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Is that okay? Mhmm. Yep. And I just need to confirm your full name, date of birth, and address, please. Beautiful. Fantastic. Did you have time today to do your review? No. That's absolutely fine. I just wanted to check. I know how busy life can get, so I completely understand. Yeah. That's okay. I do recall you saying that. So, hopefully, I'll I'll be able to get this done as quickly as possible for you. The first thing I'm gonna start doing is I just wanna start by confirming your personal and financial information that we have on file for you just to make sure it's up to date and current. Can I confirm that your email address is K Leak Appa oh, sorry? KLeakAppa@Gmail.com? Sometimes it's hard to put those emails together. Alright. And I have your husband's name as William Capa? Yep. And he's we've got him listed as your next of kin, and his phone number still ends in 640? Yep. And do you have any dependents? No. Okay. Living with you or children, even adult children? Yep. And they're all adults? Yep. Beautiful. Fantastic. I've got your job description here as mid administration at the Brisbane Hospital. Is that still correct? Yep. Okay. Okay. Alright. That's fine. And it's a 100% office space? Yep. So your employer is the Royal Brisbane Hospital. Is that right? And then in December, go back to Rural Brisbane, or will it still be metro? Yep. Okay. And how many hours per week do you work approximately? That's yeah. I understand that. So that's a full time contract. Yep. Beautiful. And we have your income noted as 72. Is that still correct? Okay. Does that include super? Okay. Oh, that's okay. That's alright. And what's your expenditure per week? Oh, like, your your living expenses, mortgage, Oh, beautiful. I love that. Yep. That's okay. I can break that down if you like, if you just have an annual figure. And does that include mortgage? That's okay. Do you know how much yep. And do you pay extra, or is that just the minimum? Yep. Beautiful. Fantastic. And we had a note here that you're saving approximately 1,000 a week. Is that correct? Yep. Beautiful. And do you get more than the 12% super guarantee, or is or do you just get the standard amount? Sacrifice percentage? Yep. Do you know what your salary sacrifice percentage? Yes. Yep. Yep. That's absolutely fine. And do you make any other contributions to Super? You do? What what kind? No. You're absolutely fine. Please take your time. And is that a sacrifice arrangement or just an yep. On top of the 5%? Is that right? Okay. Alright. You're right. That's absolutely fine. Of course. Yeah. I can do that. I definitely can make a note of that. Yeah. I know. Yeah. No. I'm I'm the same. So I under I like having everything prepared, so I completely understand that. Per week. Okay. And your standard super is twelve or seventeen. Yep. I can do a little bit of research and check that. That's fine. Okay. Are you do you have an EBA with your employer? Yes. No. Yep. So an EBA is a enterprise bargaining agreement. So yes. You do. Yep. And that's for your super, I'm assuming. Most or so you'll get the so seeing as though you get the highest super, I'm going to guess that or assume that that's in real the EBA is for your super and any other salary sacrifice arrangements you can make if there are any. Rates, hours of work, replace a modern award. So a modern award would be 12% super. So I suspect the super is included in that as well. So yeah. That's alright. Leave it with me. I'm gonna do a little bit more research. It's just the standard question we ask. I have moving on to assets and liabilities, I have your home valued at 900,000. Would that still be correct? Beautiful. Beautiful. And we had the debt recorded as 400,000. Would that still be correct? Beautiful. And a camper trailer at 16,000? 48,000? Is it is that your husband's business? Or yep. Is there any debt on that? I can it's not too important to your financial situation. It's just no. No. So I'll take that out. Have you sorry to ask this question, but have you ever been declared bankrupt? No. Are you still a nonsmoker? Yeah. Yeah. Do you have private health insurance? And who's that with? MIB. Thank you. Oh, that's that's okay. Absolutely fine. Did you need to update me with anything, or that's all pretty correct what you gave me? Yep. Yep. Yep. Yep. Beautiful. The two together. Yep. Fantastic. Beautiful. Thank you for that. Do you take any medication on a regular basis? No. Beautiful. That's absolutely fine. And do you know what your height and weight is? Nobody ever likes sharing that information. You don't have to. Yeah. There's no absolutely no pressure. That's just if we if we go any further and we need to look at your reviewing your insurance policies, we just keep that on record. But we can come back to that if we during our chat, we decide we need to review your insurance policies, but that's fine for now. Do you have a will or power of attorney in place? No. Okay. And are you a tax resident of any other country than country than Australia? Okay. Beautiful. Fantastic. I'm going to jump into the goals that you had recent the last time you met for a review. So one of the go and just to see if these are still relevant and add any more new ones in, if applicable. One of them was to go on a holiday both overseas and in Australia, pay down the mortgage, and maybe a job job change still within admin. All still relevant. Yep. Go to a that's okay. Absolutely fine. And go on a holiday to Europe. Yeah. Have you been able to do that yet? That's fine. Do you aim for next year? Yeah. Absolutely fine. Yeah. Yeah. That's correct, isn't it? There's so much uncertainty out there at the moment and not not necessarily sorry? Mhmm. Okay. Yep. Including super. Do you get super from your husband's business? Yep. Okay. Beautiful. Alright. I can work backwards with that. No. No. No. You are absolutely fine. The next part of the review is you're gonna receive an email from me very shortly. Do you have access to your email? Yep. It's gonna come through from OdooSign. It just contains your review pack. So you don't have to sign anything now. You click on sign here, and it'll open the pack up, but there's there's no signatures required. We're just gonna run it at the moment. Yep. So do you have that open? Yeah. Okay. Fantastic. So this is your review pack. So this is where the superannuation and insurance that we manage for you presently. So the first one is just a very brief overview. So you've got your hub twenty four account sitting at a balance of $289,617, And you've got life, TPD, and income protection with Ascender. Your life insurance is $578 and 18 $578,813. Don't mind me today. I've got a case of thank god it's Friday. Oh, no. Not at all. Thank you. And then your income protection sitting at $4,148 a month should something happen that you're unable to work due to injury or illness. Now I'm just gonna double check and make sure that's sitting about right. So that some insured is sitting a bit low. Based on your income of 110, we'll actually we'll take out super. She can't insure super, so give me one moment. Still sitting a little bit low in relation to your income. So what that means is, essentially, if something does happen to you due to injury or illness, you're uninsured. You're only gonna get your monthly benefit of 4,100 and $48. I would need to do some proper calculations to get a better understanding of what that should be. But I just need to make you aware of that and see if that's something you wanna look at increasing or whether you're comfortable leaving it where it is. Yep. Yep. So you're with, yeah, with income protection, you can only insure up to 70% of your income. So there's probably some leeway there and then maybe an extra thousand or so a month that you can be insured for. I'm happy to investigate it if you want. It's completely up to you. Yep. I can do that. Fantastic. And with your risk protection portfolio, there's a policy called trauma insurance. Has that been explained to you before? No? No. That's okay. A a very brief rundown overview would be that it's a lump sum payment paid tax free if you're diagnosed with a specific in illness. Those range from cancer, heart attack, stroke, some neurological conditions. And you would be typically, how a trauma insurance policy is recommended is that we would allow or we would recommend an amount for out of pocket medical expenses, repayment of some or all debt depending on the client's wishes, and an amount for a recovery period. So, typically, with a trauma policy, it's not necessarily a terminal illness. It's something that you're probably gonna need treatment for, recovery, and that's what that policy is designed to provide for individuals. It's just help during that recuperation period and reduce the financial stress. The income protection would kick in after a thirty day wait if the doctor deems you're unable to work, but it would depend again on the type of diagnosis you received. So the with trauma insurance, it's not funded through super. It is funded through your personal cash flow. That's why the payment's tax free. So we just we just let our clients know that that policy is available. And if it's something you wanted to look into, again, I can do that for you. It would be nope. That's absolutely fine. The next document along in your review pack is the performance report from hub twenty four. The overall net return, which is shown on the second page, is 5.84% for the last twelve months. Now on the first page, on the very first investment, you'll see Benelung equities fund that that returned oh, get a negative return, sorry, of 17.14%. At the moment, we're looking at all of our clients that are within this this investment to look at potential alternatives for a placement as long as it fits your goals and objectives. Now it's not that Benelong it's not that the Australian share market performed badly itself. It's been a long investment mandate. So their mandate is that they seek companies that they feel are undervalued, and there's potential for growth within the Australian share market. Unfortunately, that mandate hasn't been successful then for about the last twelve twelve to eighteen months with the banks performing significantly better. So what what we're looking to do is replace the Ben along Australian Equities Fund with an alternative. And if you're happy for me to do that, I'd like to investigate that for you. Thank you. Beautiful. And the other one that I did want to have a look at for you was the third one down, the beta bank hybrid ETF. The banks in Australia are changing their structure. So from January 2027, they're gonna phase out the hybrids. Now you have a significant holding in the hybrid sector, and what I'd like to do is rather than wait and see, I wanna be a little bit proactive in respect to looking at potentially replacing that before rather than waiting for it to phase out and see what happens. So if you're okay with that, I'd I'd like to look into that as well. Beautiful. The rest of your portfolio, you is is performing quite well. You've got some satellite, which is what we call if we think of them as niche exposures. So you have got some global agriculture and some global cyber. There are there are satellite investments that sit around our being like the beta Australian share fixed interest fixed interest Australian, your iShares Global, your big core investments. So they're all performing quite well. In part of my research, when I go away anyway, we'll be looking whether this portfolio remains fit for purpose and reviewing all the investments anyway. But those two I've highlighted are ones that I will definitely be taking a closer look at. Do you have any questions about your portfolio? No? Okay. Yep. So with your super, for example, what would be your goals for your super fund? What do you wanna say? What's important to you? Yes. Yep. Yep. Yep. Yep. Yep. Speaking of yeah. Yeah. Okay. Speaking of retirement, what's your your desired retirement age? Me too. Yep. Yep. Yeah. And if you were as well, preservation age for super is 60. So accessing it, you'd be limited to 60. Is William older or younger than you? Yeah. Okay. Yep. No. Of course. So his super yeah. So his super would be accessible. Does he have enough in super to fund the retirement until your super comes accessible? No. No. Okay. Okay. So if it was before 60, how would would William retire and you continue working, how would you fund the the income need before your super was accessible? Yeah. Until you got to 60. Okay. Alright. There are obviously ways that we can look at making that happen and having funds accessible outside. But if you were to review your reduce your debt in a six year time frame, that would take you to 55. Sorry. I'm just I'm having a day today. So we could we could look at ins we could definitely look at ways to to build some wealth as you get that. So maybe around if you are successful in implementing a plan to pay down the debt in six years, at around the three year mark, we could look at potentially building some wealth outside of super to help you retire before 60 that would fund access to that would fund you until you're able to access super. So we can put that down as a future future thing to look at. Yep. So, basically, it would look like you have 24 super account, but it would be held in your personal name. So which would make which you could then draw down as an income until you're able to access your super. But, again, the you know, that's gonna impact your super fund because if you do stop working, then your super contributions are gonna cease also. So we would need to look at that, you know, when you've got a little bit more of an understanding of where you're sitting in relation to your debt levels. So that's something we can definitely look at down the track. Are you doing that with a broker? Yeah. Okay. Beautiful. Alright. Do you have any idea when you'll know what you're gonna what your plans are with that? Yeah. Yeah. That's okay. Beautiful. Oh, that's a great goal to work towards. The okay. Beautiful. I'll make a note of all that. The next document in the pack is our Vanguard index chart. So, basically, that just shows you how markets react, the volatility. It's more of a visual tool education tool for our clients. So you are reckon you are invested presently in a growth risk profile, which what that means is 80% of your funds are invested in growth assets, 20 in defensive. So if you look at that chart down the right hand column, you'll see the top four, they're your growth assets. So that's where we have 80% of your funds invested. And the bottom two, ignore CPI, is your defensive assets. So that's where 20% of your funds sit. So you'll see that the top four has a lot more volatility as opposed to the bottom two, and that's where the growth of your portfolio comes from. The bottom two do obviously produce a little bit of growth, but you'll see that it's minimal. They're the income producing parts of your your portfolio. So in a growth yeah. So in a growth portfolio, what we say is a minimum time frame of six years investment period. What that does is it allows recovery in markets. So if you look at the COVID nineteen events on that graph, you'll see that the market absolutely plummeted and that it does come back, but you've gotta have time. So that's why we always say a six year period. Additionally, in a growth portfolio, statistically, we'd expect a one in five year negative return. So that's to allow for those type of events where we would see statistically a negative return. That's not always the case. It could be just a low return, but that's what we'd expect in a gross investment. And the the purpose of me talking about this is basically to make sure that you understand and you're comfortable with that. If you wanna keep investing in that manner, you do have the time on your side with a six year period to continue in the growth portfolio. It's just more of a matter that, you know, our clients can pass the sleep at night test. So you're comfortable with knowing the fluctuations and volatility that can occur and understand that they will occur, but you're able to hold still and ride them out. So that's it's more about your comfort. Fully defensive. So you can you we would always keep an allocation to growth because you do need growth in your portfolio. But what would happen is would decrease the allocation to growth. So the next one down sits at about a 70% allocation to growth. The one below that sits at about a 50% allocation to growth and furthermore at 25%. So the more it's just gonna impact the growth of your portfolio, essentially. So I think in in all of that, there is two there's if you understand and you're happy to maintain the growth, or what we can do is complete what we call a risk profile, And it just assesses on a number of standard questions what your risk tolerance is. Yeah. We review it every year with you with your reviews anyhow. But, yeah, it's it's completely up to you as to your feelings towards risk return, basically. Okay. Fantastic. That's absolutely fine. The next document over is a certificate certificate of currency. It just, again, goes back to those life cover, sums insured, and your income protection to make sure that you're comfortable with those. Yep. There's enough there to repay debt. Is that the purpose of the life policy in the TPD for you? Oh, sorry. Has it's it should be an ascender certificate of currency. Which ones have you which one have you got? If it's not in order, I apologize. Yep. That's fine. I'll I'll talk to that. Hopefully, the security of currency will be next. That's our financial services guide. It is it's in your pack and can be found on the website. It just explains to you who we are, who we're licensed by, that we're licensed with ASIC, the type of advice we provide and how we do it, the fees, the fee structure, and also importantly, if you don't like us or we've done something wrong, how to make a complaint for the complaint process. If you wanna hit next, let's hope that it's the certificate of currency. Yeah. Of course, you can. Yeah. See if that works. Okay. Beautiful. So that's fantastic. That's good. I was hoping it was there and wasn't missed. This the second page just outlines outlines those levels of cover we talked about earlier. I'm gonna have a look at the income protection. But, basically, the life and TPD cover is gonna cover the debt attached to your home and provide a little bit of surplus. Is that your intention for those covers? Yep. Beautiful. The see, we've already talked about this. What's the next document that you have? Because it seems to be out of order. Yep. Beautiful. So that is our ongoing fee arrangement. So you would have been on one previously. What it is is your consent to continue. So if you wanna if you're happy to continue remaining a client of Oakview Financial, Your fee that's funded from your hub twenty four account is estimated to be $4,750 per annum. That's then it's a fixed fee. So, previously, these were a percent based fee, which meant each month, it would go up and down depending on how the portfolio reacted. What we do now so in terms of, you know, growth, we'd get paid more. What we have the approach we've taken along with so many other advice firms in Australia is to fix that fee because to make it fair and transparent. So that fee is fixed. It would it works out to be $395.83 a month, which is funded by from your hub account. So if you're happy to continue being a client and, you know, paying that fee, we ask that you do sign it because we do need you to do that in order for us to continue being your adviser. And then the next document is the authority that we hold your tax file number. So the we do have that on file from when we set that up with hub twenty four For privacy purposes, we do ask and just make sure that our clients are aware that we do hold that number, your tax number on file and your signatures just acknowledging that, you know, where that you're comfortable with that, you're aware of it. And the reason being is we don't want your fund super taxed at a higher rate if we don't provide it. So that's the purpose of that document. After that mouthful, do you have any questions? No. Fantastic. I have two questions, only two. Sorry. Very, very quick ones, and they should be yes or no. Review frequency. Are you happy to have your reviews annually, or would you like them more frequent? Yep. And the last one yep. Yeah. Just pay it and do yeah. I get it. Absolutely. Alright. No. I completely understand, and I'll make a note of that definitely. And the last one is sorry, but I know you don't have any estate planning documents in place. Is it something you and William are gonna look at? Yeah. Yeah. Just given that you guys have a blended family, it is probably something that you do need to look at to make sure that your wishes are adhered to and met. I've seen some doozies in my time, to be honest with you. What we do have a professional partner that we work with that does do this at quite a reasonable price, to be honest with you, compared to some that I've seen in my lifetime. What I can do is send a brochure through to you if you like to have a look. And if it's something that you're interested in, I can organize an introduction for you and William. But given that you guys do have a blended family, I think it is and the fact that your beneficiary nominations are set up to go to your estate, so without having a will all your super and life insurance is gonna go to your estate, and you don't have a will. So probably something that we need to look at. In the meantime, did you wanna change that beneficiary nomination, or are you what what are your thoughts? Yeah. So do you wanna leave it to your estate? Yep. Alright. Beautiful. I'm gonna send you through some information on the wills and power of attorney and our our professional partner anyway, and they can all do that via phone and whatever means is necessary to help you through that process as well. So I will send that through to you to look at, and you can let me know if you want me to arrange an introduction. That's That's absolutely fine. Absolutely fine. If you have any questions at all, Kerry, please give me a call. I'm gonna go do some research, and you'll I will probably reach out to you in the next two weeks or so to set up a time just to run through any changes I've recommended. Beautiful. Well, I hope your day gets quicker for you and ends, and it's quicker to the weekend. Have a good day. Okay. Thank you. 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Carrie. It's Jenna here from Financial. How are you today? I'm well. Just before I go any further, I just need to let you know the calls are recorded for quality and coaching purposes.\n\nIs that okay? Mhmm. Yep. And I just need to confirm your full name, date of birth, and address, please. Beautiful.\n\nFantastic. Did you have time today to do your review? No. That's absolutely fine. I just wanted to check.\n\nI know how busy life can get, so I completely understand. Yeah. That's okay. I do recall you saying that. So, hopefully, I'll I'll be able to get this done as quickly as possible for you.\n\nThe first thing I'm gonna start doing is I just wanna start by confirming your personal and financial information that we have on file for you just to make sure it's up to date and current. Can I confirm that your email address is K Leak Appa oh, sorry? KLeakAppa@Gmail.com? Sometimes it's hard to put those emails together. Alright.\n\nAnd I have your husband's name as William Capa? Yep. And he's we've got him listed as your next of kin, and his phone number still ends in 640? Yep. And do you have any dependents?\n\nNo. Okay. Living with you or children, even adult children? Yep. And they're all adults?\n\nYep. Beautiful. Fantastic. I've got your job description here as mid administration at the Brisbane Hospital. Is that still correct?\n\nYep. Okay. Okay. Alright. That's fine.\n\nAnd it's a 100% office space? Yep. So your employer is the Royal Brisbane Hospital. Is that right? And then in December, go back to Rural Brisbane, or will it still be metro?\n\nYep. Okay. And how many hours per week do you work approximately? That's yeah. I understand that.\n\nSo that's a full time contract. Yep. Beautiful. And we have your income noted as 72. Is that still correct?\n\nOkay. Does that include super? Okay. Oh, that's okay. That's alright.\n\nAnd what's your expenditure per week? Oh, like, your your living expenses, mortgage, Oh, beautiful. I love that. Yep. That's okay.\n\nI can break that down if you like, if you just have an annual figure. And does that include mortgage? That's okay. Do you know how much yep. And do you pay extra, or is that just the minimum?\n\nYep. Beautiful. Fantastic. And we had a note here that you're saving approximately 1,000 a week. Is that correct?\n\nYep. Beautiful. And do you get more than the 12% super guarantee, or is or do you just get the standard amount? Sacrifice percentage? Yep.\n\nDo you know what your salary sacrifice percentage? Yes. Yep. Yep. That's absolutely fine.\n\nAnd do you make any other contributions to Super? You do? What what kind? No. You're absolutely fine.\n\nPlease take your time. And is that a sacrifice arrangement or just an yep. On top of the 5%? Is that right? Okay.\n\nAlright. You're right. That's absolutely fine. Of course. Yeah.\n\nI can do that. I definitely can make a note of that. Yeah. I know. Yeah.\n\nNo. I'm I'm the same. So I under I like having everything prepared, so I completely understand that. Per week. Okay.\n\nAnd your standard super is twelve or seventeen. Yep. I can do a little bit of research and check that. That's fine. Okay.\n\nAre you do you have an EBA with your employer? Yes. No. Yep. So an EBA is a enterprise bargaining agreement.\n\nSo yes. You do. Yep. And that's for your super, I'm assuming. Most or so you'll get the so seeing as though you get the highest super, I'm going to guess that or assume that that's in real the EBA is for your super and any other salary sacrifice arrangements you can make if there are any.\n\nRates, hours of work, replace a modern award. So a modern award would be 12% super. So I suspect the super is included in that as well. So yeah. That's alright.\n\nLeave it with me. I'm gonna do a little bit more research. It's just the standard question we ask. I have moving on to assets and liabilities, I have your home valued at 900,000. Would that still be correct?\n\nBeautiful. Beautiful. And we had the debt recorded as 400,000. Would that still be correct? Beautiful.\n\nAnd a camper trailer at 16,000? 48,000? Is it is that your husband's business? Or yep. Is there any debt on that?\n\nI can it's not too important to your financial situation. It's just no. No. So I'll take that out. Have you sorry to ask this question, but have you ever been declared bankrupt?\n\nNo. Are you still a nonsmoker? Yeah. Yeah. Do you have private health insurance?\n\nAnd who's that with? MIB. Thank you. Oh, that's that's okay. Absolutely fine.\n\nDid you need to update me with anything, or that's all pretty correct what you gave me? Yep. Yep. Yep. Yep.\n\nBeautiful. The two together. Yep. Fantastic. Beautiful.\n\nThank you for that. Do you take any medication on a regular basis? No. Beautiful. That's absolutely fine.\n\nAnd do you know what your height and weight is? Nobody ever likes sharing that information. You don't have to. Yeah. There's no absolutely no pressure.\n\nThat's just if we if we go any further and we need to look at your reviewing your insurance policies, we just keep that on record. But we can come back to that if we during our chat, we decide we need to review your insurance policies, but that's fine for now. Do you have a will or power of attorney in place? No. Okay.\n\nAnd are you a tax resident of any other country than country than Australia? Okay. Beautiful. Fantastic. I'm going to jump into the goals that you had recent the last time you met for a review.\n\nSo one of the go and just to see if these are still relevant and add any more new ones in, if applicable. One of them was to go on a holiday both overseas and in Australia, pay down the mortgage, and maybe a job job change still within admin. All still relevant. Yep. Go to a that's okay.\n\nAbsolutely fine. And go on a holiday to Europe. Yeah. Have you been able to do that yet? That's fine.\n\nDo you aim for next year? Yeah. Absolutely fine. Yeah. Yeah.\n\nThat's correct, isn't it? There's so much uncertainty out there at the moment and not not necessarily sorry? Mhmm. Okay. Yep.\n\nIncluding super. Do you get super from your husband's business? Yep. Okay. Beautiful.\n\nAlright. I can work backwards with that. No. No. No.\n\nYou are absolutely fine. The next part of the review is you're gonna receive an email from me very shortly. Do you have access to your email? Yep. It's gonna come through from OdooSign.\n\nIt just contains your review pack. So you don't have to sign anything now. You click on sign here, and it'll open the pack up, but there's there's no signatures required. We're just gonna run it at the moment. Yep.\n\nSo do you have that open? Yeah. Okay. Fantastic. So this is your review pack.\n\nSo this is where the superannuation and insurance that we manage for you presently. So the first one is just a very brief overview. So you've got your hub twenty four account sitting at a balance of $289,617, And you've got life, TPD, and income protection with Ascender. Your life insurance is $578 and 18 $578,813. Don't mind me today.\n\nI've got a case of thank god it's Friday. Oh, no. Not at all. Thank you. And then your income protection sitting at $4,148 a month should something happen that you're unable to work due to injury or illness.\n\nNow I'm just gonna double check and make sure that's sitting about right. So that some insured is sitting a bit low. Based on your income of 110, we'll actually we'll take out super. She can't insure super, so give me one moment. Still sitting a little bit low in relation to your income.\n\nSo what that means is, essentially, if something does happen to you due to injury or illness, you're uninsured. You're only gonna get your monthly benefit of 4,100 and $48. I would need to do some proper calculations to get a better understanding of what that should be. But I just need to make you aware of that and see if that's something you wanna look at increasing or whether you're comfortable leaving it where it is. Yep.\n\nYep. So you're with, yeah, with income protection, you can only insure up to 70% of your income. So there's probably some leeway there and then maybe an extra thousand or so a month that you can be insured for. I'm happy to investigate it if you want. It's completely up to you.\n\nYep. I can do that. Fantastic. And with your risk protection portfolio, there's a policy called trauma insurance. Has that been explained to you before?\n\nNo? No. That's okay. A a very brief rundown overview would be that it's a lump sum payment paid tax free if you're diagnosed with a specific in illness. Those range from cancer, heart attack, stroke, some neurological conditions.\n\nAnd you would be typically, how a trauma insurance policy is recommended is that we would allow or we would recommend an amount for out of pocket medical expenses, repayment of some or all debt depending on the client's wishes, and an amount for a recovery period. So, typically, with a trauma policy, it's not necessarily a terminal illness. It's something that you're probably gonna need treatment for, recovery, and that's what that policy is designed to provide for individuals. It's just help during that recuperation period and reduce the financial stress. The income protection would kick in after a thirty day wait if the doctor deems you're unable to work, but it would depend again on the type of diagnosis you received.\n\nSo the with trauma insurance, it's not funded through super. It is funded through your personal cash flow. That's why the payment's tax free. So we just we just let our clients know that that policy is available. And if it's something you wanted to look into, again, I can do that for you.\n\nIt would be nope. That's absolutely fine. The next document along in your review pack is the performance report from hub twenty four. The overall net return, which is shown on the second page, is 5.84% for the last twelve months. Now on the first page, on the very first investment, you'll see Benelung equities fund that that returned oh, get a negative return, sorry, of 17.14%.\n\nAt the moment, we're looking at all of our clients that are within this this investment to look at potential alternatives for a placement as long as it fits your goals and objectives. Now it's not that Benelong it's not that the Australian share market performed badly itself. It's been a long investment mandate. So their mandate is that they seek companies that they feel are undervalued, and there's potential for growth within the Australian share market. Unfortunately, that mandate hasn't been successful then for about the last twelve twelve to eighteen months with the banks performing significantly better.\n\nSo what what we're looking to do is replace the Ben along Australian Equities Fund with an alternative. And if you're happy for me to do that, I'd like to investigate that for you. Thank you. Beautiful. And the other one that I did want to have a look at for you was the third one down, the beta bank hybrid ETF.\n\nThe banks in Australia are changing their structure. So from January 2027, they're gonna phase out the hybrids. Now you have a significant holding in the hybrid sector, and what I'd like to do is rather than wait and see, I wanna be a little bit proactive in respect to looking at potentially replacing that before rather than waiting for it to phase out and see what happens. So if you're okay with that, I'd I'd like to look into that as well. Beautiful.\n\nThe rest of your portfolio, you is is performing quite well. You've got some satellite, which is what we call if we think of them as niche exposures. So you have got some global agriculture and some global cyber. There are there are satellite investments that sit around our being like the beta Australian share fixed interest fixed interest Australian, your iShares Global, your big core investments. So they're all performing quite well.\n\nIn part of my research, when I go away anyway, we'll be looking whether this portfolio remains fit for purpose and reviewing all the investments anyway. But those two I've highlighted are ones that I will definitely be taking a closer look at. Do you have any questions about your portfolio? No? Okay.\n\nYep. So with your super, for example, what would be your goals for your super fund? What do you wanna say? What's important to you? Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nSpeaking of yeah. Yeah. Okay. Speaking of retirement, what's your your desired retirement age? Me too.\n\nYep. Yep. Yeah. And if you were as well, preservation age for super is 60. So accessing it, you'd be limited to 60.\n\nIs William older or younger than you? Yeah. Okay. Yep. No.\n\nOf course. So his super yeah. So his super would be accessible. Does he have enough in super to fund the retirement until your super comes accessible? No.\n\nNo. Okay. Okay. So if it was before 60, how would would William retire and you continue working, how would you fund the the income need before your super was accessible? Yeah.\n\nUntil you got to 60. Okay. Alright. There are obviously ways that we can look at making that happen and having funds accessible outside. But if you were to review your reduce your debt in a six year time frame, that would take you to 55.\n\nSorry. I'm just I'm having a day today. So we could we could look at ins we could definitely look at ways to to build some wealth as you get that. So maybe around if you are successful in implementing a plan to pay down the debt in six years, at around the three year mark, we could look at potentially building some wealth outside of super to help you retire before 60 that would fund access to that would fund you until you're able to access super. So we can put that down as a future future thing to look at.\n\nYep. So, basically, it would look like you have 24 super account, but it would be held in your personal name. So which would make which you could then draw down as an income until you're able to access your super. But, again, the you know, that's gonna impact your super fund because if you do stop working, then your super contributions are gonna cease also. So we would need to look at that, you know, when you've got a little bit more of an understanding of where you're sitting in relation to your debt levels.\n\nSo that's something we can definitely look at down the track. Are you doing that with a broker? Yeah. Okay. Beautiful.\n\nAlright. Do you have any idea when you'll know what you're gonna what your plans are with that? Yeah. Yeah. That's okay.\n\nBeautiful. Oh, that's a great goal to work towards. The okay. Beautiful. I'll make a note of all that.\n\nThe next document in the pack is our Vanguard index chart. So, basically, that just shows you how markets react, the volatility. It's more of a visual tool education tool for our clients. So you are reckon you are invested presently in a growth risk profile, which what that means is 80% of your funds are invested in growth assets, 20 in defensive. So if you look at that chart down the right hand column, you'll see the top four, they're your growth assets.\n\nSo that's where we have 80% of your funds invested. And the bottom two, ignore CPI, is your defensive assets. So that's where 20% of your funds sit. So you'll see that the top four has a lot more volatility as opposed to the bottom two, and that's where the growth of your portfolio comes from. The bottom two do obviously produce a little bit of growth, but you'll see that it's minimal.\n\nThey're the income producing parts of your your portfolio. So in a growth yeah. So in a growth portfolio, what we say is a minimum time frame of six years investment period. What that does is it allows recovery in markets. So if you look at the COVID nineteen events on that graph, you'll see that the market absolutely plummeted and that it does come back, but you've gotta have time.\n\nSo that's why we always say a six year period. Additionally, in a growth portfolio, statistically, we'd expect a one in five year negative return. So that's to allow for those type of events where we would see statistically a negative return. That's not always the case. It could be just a low return, but that's what we'd expect in a gross investment.\n\nAnd the the purpose of me talking about this is basically to make sure that you understand and you're comfortable with that. If you wanna keep investing in that manner, you do have the time on your side with a six year period to continue in the growth portfolio. It's just more of a matter that, you know, our clients can pass the sleep at night test. So you're comfortable with knowing the fluctuations and volatility that can occur and understand that they will occur, but you're able to hold still and ride them out. So that's it's more about your comfort.\n\nFully defensive. So you can you we would always keep an allocation to growth because you do need growth in your portfolio. But what would happen is would decrease the allocation to growth. So the next one down sits at about a 70% allocation to growth. The one below that sits at about a 50% allocation to growth and furthermore at 25%.\n\nSo the more it's just gonna impact the growth of your portfolio, essentially. So I think in in all of that, there is two there's if you understand and you're happy to maintain the growth, or what we can do is complete what we call a risk profile, And it just assesses on a number of standard questions what your risk tolerance is. Yeah. We review it every year with you with your reviews anyhow. But, yeah, it's it's completely up to you as to your feelings towards risk return, basically.\n\nOkay. Fantastic. That's absolutely fine. The next document over is a certificate certificate of currency. It just, again, goes back to those life cover, sums insured, and your income protection to make sure that you're comfortable with those.\n\nYep. There's enough there to repay debt. Is that the purpose of the life policy in the TPD for you? Oh, sorry. Has it's it should be an ascender certificate of currency.\n\nWhich ones have you which one have you got? If it's not in order, I apologize. Yep. That's fine. I'll I'll talk to that.\n\nHopefully, the security of currency will be next. That's our financial services guide. It is it's in your pack and can be found on the website. It just explains to you who we are, who we're licensed by, that we're licensed with ASIC, the type of advice we provide and how we do it, the fees, the fee structure, and also importantly, if you don't like us or we've done something wrong, how to make a complaint for the complaint process. If you wanna hit next, let's hope that it's the certificate of currency.\n\nYeah. Of course, you can. Yeah. See if that works. Okay.\n\nBeautiful. So that's fantastic. That's good. I was hoping it was there and wasn't missed. This the second page just outlines outlines those levels of cover we talked about earlier.\n\nI'm gonna have a look at the income protection. But, basically, the life and TPD cover is gonna cover the debt attached to your home and provide a little bit of surplus. Is that your intention for those covers? Yep. Beautiful.\n\nThe see, we've already talked about this. What's the next document that you have? Because it seems to be out of order. Yep. Beautiful.\n\nSo that is our ongoing fee arrangement. So you would have been on one previously. What it is is your consent to continue. So if you wanna if you're happy to continue remaining a client of Oakview Financial, Your fee that's funded from your hub twenty four account is estimated to be $4,750 per annum. That's then it's a fixed fee.\n\nSo, previously, these were a percent based fee, which meant each month, it would go up and down depending on how the portfolio reacted. What we do now so in terms of, you know, growth, we'd get paid more. What we have the approach we've taken along with so many other advice firms in Australia is to fix that fee because to make it fair and transparent. So that fee is fixed. It would it works out to be $395.83 a month, which is funded by from your hub account.\n\nSo if you're happy to continue being a client and, you know, paying that fee, we ask that you do sign it because we do need you to do that in order for us to continue being your adviser. And then the next document is the authority that we hold your tax file number. So the we do have that on file from when we set that up with hub twenty four For privacy purposes, we do ask and just make sure that our clients are aware that we do hold that number, your tax number on file and your signatures just acknowledging that, you know, where that you're comfortable with that, you're aware of it. And the reason being is we don't want your fund super taxed at a higher rate if we don't provide it. So that's the purpose of that document.\n\nAfter that mouthful, do you have any questions? No. Fantastic. I have two questions, only two. Sorry.\n\nVery, very quick ones, and they should be yes or no. Review frequency. Are you happy to have your reviews annually, or would you like them more frequent? Yep. And the last one yep.\n\nYeah. Just pay it and do yeah. I get it. Absolutely. Alright.\n\nNo. I completely understand, and I'll make a note of that definitely. And the last one is sorry, but I know you don't have any estate planning documents in place. Is it something you and William are gonna look at? Yeah.\n\nYeah. Just given that you guys have a blended family, it is probably something that you do need to look at to make sure that your wishes are adhered to and met. I've seen some doozies in my time, to be honest with you. What we do have a professional partner that we work with that does do this at quite a reasonable price, to be honest with you, compared to some that I've seen in my lifetime. What I can do is send a brochure through to you if you like to have a look.\n\nAnd if it's something that you're interested in, I can organize an introduction for you and William. But given that you guys do have a blended family, I think it is and the fact that your beneficiary nominations are set up to go to your estate, so without having a will all your super and life insurance is gonna go to your estate, and you don't have a will. So probably something that we need to look at. In the meantime, did you wanna change that beneficiary nomination, or are you what what are your thoughts? Yeah.\n\nSo do you wanna leave it to your estate? Yep. Alright. Beautiful. I'm gonna send you through some information on the wills and power of attorney and our our professional partner anyway, and they can all do that via phone and whatever means is necessary to help you through that process as well.\n\nSo I will send that through to you to look at, and you can let me know if you want me to arrange an introduction. That's That's absolutely fine. Absolutely fine. If you have any questions at all, Kerry, please give me a call. I'm gonna go do some research, and you'll I will probably reach out to you in the next two weeks or so to set up a time just to run through any changes I've recommended.\n\nBeautiful. Well, I hope your day gets quicker for you and ends, and it's quicker to the weekend. Have a good day. Okay. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Carrie.","start":2.72,"end":3.36,"sentiment":"neutral","sentiment_score":0.19807038456201553},{"text":"It's Jenna here from Financial.","start":3.36,"end":6.02,"sentiment":"neutral","sentiment_score":0.25668157637119293},{"text":"How are you today?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.29035400971770287},{"text":"I'm well.","start":9.679999,"end":10.4,"sentiment":"neutral","sentiment_score":0.20481525361537933},{"text":"Just before I go any further, I just need to let you know the calls are recorded for quality and coaching purposes.","start":10.4,"end":15.325001,"sentiment":"neutral","sentiment_score":0.036022545346482235}],"sentiment":"neutral","sentiment_score":0.11551689127726214,"num_words":35,"start":2.72,"end":15.325001},{"sentences":[{"text":"Is that okay?","start":15.325001,"end":16.305,"sentiment":"neutral","sentiment_score":0.06092020000020663},{"text":"Mhmm.","start":18.605,"end":18.765,"sentiment":"neutral","sentiment_score":0.09735214710235596},{"text":"Yep.","start":18.765,"end":19.245,"sentiment":"neutral","sentiment_score":0.06814637780189514},{"text":"And I just need to confirm your full name, date of birth, and address, please.","start":19.245,"end":22.785,"sentiment":"neutral","sentiment_score":0.05294956664244334},{"text":"Beautiful.","start":28.125,"end":28.625,"sentiment":"positive","sentiment_score":0.40662527084350586}],"sentiment":"neutral","sentiment_score":0.07376799501833461,"num_words":21,"start":15.325001,"end":28.625},{"sentences":[{"text":"Fantastic.","start":29.085,"end":29.585,"sentiment":"positive","sentiment_score":0.6602046489715576},{"text":"Did you have time today to do your review?","start":30.8,"end":34.82,"sentiment":"neutral","sentiment_score":0.11771658890777165},{"text":"No.","start":35.36,"end":35.86,"sentiment":"neutral","sentiment_score":-0.040219951421022415},{"text":"That's absolutely fine.","start":35.92,"end":37.12,"sentiment":"neutral","sentiment_score":0.05711770306030909},{"text":"I just wanted to check.","start":37.12,"end":38.079998,"sentiment":"neutral","sentiment_score":-0.0032463319599628448}],"sentiment":"neutral","sentiment_score":0.09655554984745227,"num_words":19,"start":29.085,"end":38.079998},{"sentences":[{"text":"I know how busy life can get, so I completely understand.","start":38.079998,"end":42.739998,"sentiment":"neutral","sentiment_score":-0.08758358657360077},{"text":"Yeah.","start":46.535,"end":47.035,"sentiment":"neutral","sentiment_score":-0.043346814811229706},{"text":"That's okay.","start":51.254997,"end":51.975,"sentiment":"neutral","sentiment_score":0.09455217979848385},{"text":"I do recall you saying that.","start":51.975,"end":53.495,"sentiment":"neutral","sentiment_score":0.09465964511036873},{"text":"So, hopefully, I'll I'll be able to get this done as quickly as possible for you.","start":53.495,"end":61.11,"sentiment":"neutral","sentiment_score":0.17240800755098462}],"sentiment":"neutral","sentiment_score":0.06968955788761377,"num_words":36,"start":38.079998,"end":61.11},{"sentences":[{"text":"The first thing I'm gonna start doing is I just wanna start by confirming your personal and financial information that we have on file for you just to make sure it's up to date and current.","start":61.11,"end":70.57,"sentiment":"neutral","sentiment_score":0.12675471355517706},{"text":"Can I confirm that your email address is K Leak Appa oh, sorry?","start":72.79,"end":80.325,"sentiment":"neutral","sentiment_score":0.0221425428126867},{"text":"KLeakAppa@Gmail.com?","start":80.325,"end":82.744995,"sentiment":"neutral","sentiment_score":0.0025426503270864487},{"text":"Sometimes it's hard to put those emails together.","start":84.645,"end":87.305,"sentiment":"neutral","sentiment_score":-0.1568321322556585},{"text":"Alright.","start":89.59,"end":90.09,"sentiment":"neutral","sentiment_score":0.017459966242313385}],"sentiment":"neutral","sentiment_score":0.06129437801822767,"num_words":59,"start":61.11,"end":90.09},{"sentences":[{"text":"And I have your husband's name as William Capa?","start":90.71,"end":94.17,"sentiment":"neutral","sentiment_score":0.016259099770751264},{"text":"Yep.","start":95.829994,"end":96.329994,"sentiment":"neutral","sentiment_score":0.03023121878504753},{"text":"And he's we've got him listed as your next of kin, and his phone number still ends in 640?","start":96.46999,"end":101.955,"sentiment":"neutral","sentiment_score":0.02567350707556072},{"text":"Yep.","start":103.134995,"end":103.615,"sentiment":"neutral","sentiment_score":0.011856898665428162},{"text":"And do you have any dependents?","start":103.615,"end":104.994995,"sentiment":"neutral","sentiment_score":0.00204567921658357}],"sentiment":"neutral","sentiment_score":0.019124742364510894,"num_words":36,"start":90.71,"end":104.994995},{"sentences":[{"text":"No.","start":107.854996,"end":108.354996,"sentiment":"neutral","sentiment_score":-0.04132461920380592},{"text":"Okay.","start":108.895,"end":109.395,"sentiment":"neutral","sentiment_score":-0.020428311079740524},{"text":"Living with you or children, even adult children?","start":112.655,"end":116.149994,"sentiment":"neutral","sentiment_score":-0.012861488037742674},{"text":"Yep.","start":123.96999,"end":124.46999,"sentiment":"neutral","sentiment_score":0.012782255187630652},{"text":"And they're all adults?","start":125.25,"end":126.465,"sentiment":"neutral","sentiment_score":0.006779222399927676}],"sentiment":"neutral","sentiment_score":-0.008316379319876433,"num_words":15,"start":107.854996,"end":126.465},{"sentences":[{"text":"Yep.","start":128.385,"end":128.885,"sentiment":"neutral","sentiment_score":0.06015454977750778},{"text":"Beautiful.","start":128.94499,"end":129.44499,"sentiment":"positive","sentiment_score":0.43124067783355713},{"text":"Fantastic.","start":130.22499,"end":130.72499,"sentiment":"positive","sentiment_score":0.4994036555290222},{"text":"I've got your job description here as mid administration at the Brisbane Hospital.","start":132.86499,"end":137.025,"sentiment":"neutral","sentiment_score":0.1609816258916488},{"text":"Is that still correct?","start":137.025,"end":138.245,"sentiment":"neutral","sentiment_score":0.11346445418894291}],"sentiment":"neutral","sentiment_score":0.17687089182436466,"num_words":20,"start":128.385,"end":138.245},{"sentences":[{"text":"Yep.","start":145.0,"end":145.5,"sentiment":"neutral","sentiment_score":0.019784536212682724},{"text":"Okay.","start":148.76001,"end":149.26001,"sentiment":"neutral","sentiment_score":0.04338023066520691},{"text":"Okay.","start":158.13501,"end":158.63501,"sentiment":"neutral","sentiment_score":0.06696568429470062},{"text":"Alright.","start":160.535,"end":161.035,"sentiment":"neutral","sentiment_score":0.102886401116848},{"text":"That's fine.","start":161.895,"end":162.875,"sentiment":"neutral","sentiment_score":0.1570667326450348}],"sentiment":"neutral","sentiment_score":0.09119171959658463,"num_words":6,"start":145.0,"end":162.875},{"sentences":[{"text":"And it's a 100% office space?","start":163.015,"end":165.35501,"sentiment":"neutral","sentiment_score":0.0530930453290542},{"text":"Yep.","start":166.92,"end":167.4,"sentiment":"neutral","sentiment_score":0.025031015276908875},{"text":"So your employer is the Royal Brisbane Hospital.","start":167.4,"end":170.37999,"sentiment":"neutral","sentiment_score":0.017612552968785167},{"text":"Is that right?","start":171.95999,"end":172.86,"sentiment":"neutral","sentiment_score":0.02364823284248511},{"text":"And then in December, go back to Rural Brisbane, or will it still be metro?","start":177.95999,"end":183.065,"sentiment":"neutral","sentiment_score":0.006970998334387938}],"sentiment":"neutral","sentiment_score":0.019999981349842114,"num_words":33,"start":163.015,"end":183.065},{"sentences":[{"text":"Yep.","start":183.605,"end":184.105,"sentiment":"neutral","sentiment_score":0.009568564593791962},{"text":"Okay.","start":186.165,"end":186.665,"sentiment":"neutral","sentiment_score":0.011457562446594238},{"text":"And how many hours per week do you work approximately?","start":187.685,"end":190.345,"sentiment":"neutral","sentiment_score":0.004596403008326888},{"text":"That's yeah.","start":195.09999,"end":196.06,"sentiment":"neutral","sentiment_score":0.0011060454999096692},{"text":"I understand that.","start":196.06,"end":196.78,"sentiment":"neutral","sentiment_score":-0.006555964859823386}],"sentiment":"neutral","sentiment_score":0.002913785502588486,"num_words":17,"start":183.605,"end":196.78},{"sentences":[{"text":"So that's a full time contract.","start":196.78,"end":198.56,"sentiment":"neutral","sentiment_score":0.0032315851810077825},{"text":"Yep.","start":199.98,"end":200.37999,"sentiment":"neutral","sentiment_score":0.09560547769069672},{"text":"Beautiful.","start":200.37999,"end":200.87999,"sentiment":"neutral","sentiment_score":0.28465378284454346},{"text":"And we have your income noted as 72.","start":202.78,"end":205.65999,"sentiment":"neutral","sentiment_score":0.07595067331567407},{"text":"Is that still correct?","start":205.65999,"end":217.065,"sentiment":"neutral","sentiment_score":0.04300633678212762}],"sentiment":"neutral","sentiment_score":0.058963975263759495,"num_words":20,"start":196.78,"end":217.065},{"sentences":[{"text":"Okay.","start":217.36499,"end":217.765,"sentiment":"neutral","sentiment_score":0.011858295649290085},{"text":"Does that include 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correct?","start":359.27502,"end":360.095,"sentiment":"neutral","sentiment_score":0.15812135736147562}],"sentiment":"neutral","sentiment_score":0.2550262534304669,"num_words":19,"start":352.17,"end":360.095},{"sentences":[{"text":"Yep.","start":361.83502,"end":362.33502,"sentiment":"neutral","sentiment_score":0.03866122663021088},{"text":"Beautiful.","start":362.635,"end":363.135,"sentiment":"positive","sentiment_score":0.7373411655426025},{"text":"And do you get more than the 12% super guarantee, or is or do you just get the standard amount?","start":363.755,"end":369.21,"sentiment":"neutral","sentiment_score":0.09704259866848589},{"text":"Sacrifice percentage?","start":380.56998,"end":381.71,"sentiment":"neutral","sentiment_score":0.0188512671738863},{"text":"Yep.","start":382.25,"end":382.65,"sentiment":"neutral","sentiment_score":0.02011309377849102}],"sentiment":"neutral","sentiment_score":0.11098679974675178,"num_words":25,"start":361.83502,"end":382.65},{"sentences":[{"text":"Do you know what your salary sacrifice percentage?","start":382.65,"end":384.685,"sentiment":"neutral","sentiment_score":-0.0031675741774961352},{"text":"Yes.","start":394.505,"end":394.985,"sentiment":"neutral","sentiment_score":0.03765702247619629},{"text":"Yep.","start":394.985,"end":395.485,"sentiment":"neutral","sentiment_score":0.10124063491821288},{"text":"Yep.","start":395.865,"end":396.345,"sentiment":"neutral","sentiment_score":0.1983572095632553},{"text":"That's absolutely fine.","start":396.345,"end":397.885,"sentiment":"positive","sentiment_score":0.5286253293355306}],"sentiment":"neutral","sentiment_score":0.13555644725316338,"num_words":14,"start":382.65,"end":397.885},{"sentences":[{"text":"And do you make any other contributions to Super?","start":400.02,"end":402.76,"sentiment":"neutral","sentiment_score":0.10627728783422047},{"text":"You do?","start":405.62,"end":406.26,"sentiment":"neutral","sentiment_score":0.017001261934638023},{"text":"What what 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right?","start":470.22498,"end":471.125,"sentiment":"neutral","sentiment_score":0.0074262165774901705},{"text":"Okay.","start":477.905,"end":478.23,"sentiment":"neutral","sentiment_score":-0.021268846467137337}],"sentiment":"neutral","sentiment_score":-0.0028445928600495276,"num_words":23,"start":426.99,"end":478.23},{"sentences":[{"text":"Alright.","start":478.55002,"end":479.05002,"sentiment":"neutral","sentiment_score":0.02962004393339157},{"text":"You're right.","start":485.43002,"end":486.07,"sentiment":"neutral","sentiment_score":0.13169825822114944},{"text":"That's absolutely fine.","start":486.07,"end":487.37,"sentiment":"neutral","sentiment_score":0.25448669493198395},{"text":"Of 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any.","start":617.135,"end":629.47003,"sentiment":"neutral","sentiment_score":0.016608001705673007}],"sentiment":"neutral","sentiment_score":0.02579327862252269,"num_words":57,"start":608.09503,"end":629.47003},{"sentences":[{"text":"Rates, hours of work, replace a modern award.","start":647.265,"end":650.91,"sentiment":"neutral","sentiment_score":-0.0015627304092049599},{"text":"So a modern award would be 12% super.","start":650.91,"end":653.55,"sentiment":"neutral","sentiment_score":0.05543850036337972},{"text":"So I suspect the super is included in that as well.","start":653.55,"end":656.61,"sentiment":"neutral","sentiment_score":0.07083271545442668},{"text":"So yeah.","start":657.23,"end":658.76996,"sentiment":"neutral","sentiment_score":0.054941605776548386},{"text":"That's 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correct?","start":672.775,"end":673.895,"sentiment":"neutral","sentiment_score":0.04642717689275742}],"sentiment":"neutral","sentiment_score":0.02103143725066613,"num_words":39,"start":660.19,"end":673.895},{"sentences":[{"text":"Beautiful.","start":673.895,"end":674.395,"sentiment":"neutral","sentiment_score":0.19163405895233152},{"text":"Beautiful.","start":678.02997,"end":678.52997,"sentiment":"neutral","sentiment_score":0.15209200978279114},{"text":"And we had the debt recorded as 400,000.","start":678.58997,"end":681.39,"sentiment":"neutral","sentiment_score":0.046470121713355184},{"text":"Would that still be correct?","start":681.39,"end":682.93,"sentiment":"neutral","sentiment_score":0.022970137000083924},{"text":"Beautiful.","start":687.70996,"end":688.20996,"sentiment":"neutral","sentiment_score":0.12615275382995603}],"sentiment":"neutral","sentiment_score":0.05978065507952124,"num_words":16,"start":673.895,"end":688.20996},{"sentences":[{"text":"And a camper trailer at 16,000?","start":689.47,"end":691.335,"sentiment":"neutral","sentiment_score":0.06109633420904478},{"text":"48,000?","start":695.895,"end":697.11505,"sentiment":"neutral","sentiment_score":0.017197811976075172},{"text":"Is it is that your husband's business?","start":703.93,"end":705.87,"sentiment":"neutral","sentiment_score":-0.011174509967012065},{"text":"Or yep.","start":706.25,"end":707.87,"sentiment":"neutral","sentiment_score":-0.009831480216234922},{"text":"Is there any debt on that?","start":709.77,"end":711.39,"sentiment":"neutral","sentiment_score":-0.034381452637414135}],"sentiment":"neutral","sentiment_score":0.0036182986911047588,"num_words":22,"start":689.47,"end":711.39},{"sentences":[{"text":"I can it's not too important to your financial situation.","start":717.21,"end":723.875,"sentiment":"neutral","sentiment_score":-0.11262963339686394},{"text":"It's just 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place?","start":877.33,"end":880.23,"sentiment":"neutral","sentiment_score":-0.005881129425357689},{"text":"No.","start":882.20996,"end":882.70996,"sentiment":"neutral","sentiment_score":-0.03998280316591263},{"text":"Okay.","start":883.08997,"end":883.58997,"sentiment":"neutral","sentiment_score":-0.018589641898870468}],"sentiment":"neutral","sentiment_score":-0.012305204498653228,"num_words":65,"start":857.58,"end":883.58997},{"sentences":[{"text":"And are you a tax resident of any other country than country than Australia?","start":887.49,"end":893.32495,"sentiment":"neutral","sentiment_score":-0.030097047399197305},{"text":"Okay.","start":900.105,"end":900.605,"sentiment":"neutral","sentiment_score":-0.07299958169460297},{"text":"Beautiful.","start":900.665,"end":901.165,"sentiment":"neutral","sentiment_score":-0.06876011937856674},{"text":"Fantastic.","start":902.665,"end":903.165,"sentiment":"positive","sentiment_score":0.47725558280944824},{"text":"I'm going to jump into the goals that you had recent the last time you met for a review.","start":905.31,"end":911.25,"sentiment":"positive","sentiment_score":0.3575394564357243}],"sentiment":"neutral","sentiment_score":0.18631630251184106,"num_words":36,"start":887.49,"end":911.25},{"sentences":[{"text":"So one of the go and just to see if these are still relevant and add any more new ones in, if applicable.","start":911.94995,"end":918.555,"sentiment":"neutral","sentiment_score":0.07903144881129265},{"text":"One of them was to go on a holiday both overseas and in Australia, pay down the mortgage, and maybe a job job change still within admin.","start":918.77496,"end":927.515,"sentiment":"neutral","sentiment_score":0.06843215323708675},{"text":"All still relevant.","start":931.255,"end":932.315,"sentiment":"neutral","sentiment_score":0.20941838125387827},{"text":"Yep.","start":932.86,"end":933.36,"sentiment":"neutral","sentiment_score":0.13909517228603363},{"text":"Go to a that's okay.","start":935.74,"end":938.64,"sentiment":"neutral","sentiment_score":0.12046629637479782}],"sentiment":"neutral","sentiment_score":0.08534022471157171,"num_words":59,"start":911.94995,"end":938.64},{"sentences":[{"text":"Absolutely fine.","start":939.42,"end":940.48004,"sentiment":"positive","sentiment_score":0.48364198207855225},{"text":"And go on a holiday to Europe.","start":940.54004,"end":942.56,"sentiment":"neutral","sentiment_score":0.2379767894744873},{"text":"Yeah.","start":944.46,"end":944.78,"sentiment":"neutral","sentiment_score":0.04301602020859718},{"text":"Have you been able to do that yet?","start":944.78,"end":953.015,"sentiment":"neutral","sentiment_score":0.013175570871680975},{"text":"That's fine.","start":953.015,"end":953.815,"sentiment":"neutral","sentiment_score":0.11116049811244012}],"sentiment":"neutral","sentiment_score":0.15019315369427205,"num_words":20,"start":939.42,"end":953.815},{"sentences":[{"text":"Do you aim for next year?","start":953.815,"end":955.355,"sentiment":"neutral","sentiment_score":0.034808071640630565},{"text":"Yeah.","start":961.62994,"end":962.12994,"sentiment":"neutral","sentiment_score":-0.03357527405023575},{"text":"Absolutely fine.","start":963.47,"end":964.85,"sentiment":"neutral","sentiment_score":0.07275928184390068},{"text":"Yeah.","start":970.18994,"end":970.68994,"sentiment":"neutral","sentiment_score":0.015854187309741974},{"text":"Yeah.","start":970.75,"end":971.06995,"sentiment":"neutral","sentiment_score":0.024683818221092224}],"sentiment":"neutral","sentiment_score":0.03284815681928938,"num_words":11,"start":953.815,"end":971.06995},{"sentences":[{"text":"That's correct, isn't it?","start":971.06995,"end":972.02997,"sentiment":"neutral","sentiment_score":0.01570875057950616},{"text":"There's so much uncertainty out there at the moment and not not necessarily sorry?","start":972.02997,"end":977.545,"sentiment":"neutral","sentiment_score":-0.22040470050913946},{"text":"Mhmm.","start":986.245,"end":986.52,"sentiment":"neutral","sentiment_score":0.0055678365752100945},{"text":"Okay.","start":995.80005,"end":996.30005,"sentiment":"neutral","sentiment_score":0.08158446848392487},{"text":"Yep.","start":1001.65497,"end":1002.055,"sentiment":"neutral","sentiment_score":0.12405669689178468}],"sentiment":"neutral","sentiment_score":-0.13388675251709564,"num_words":21,"start":971.06995,"end":1002.055},{"sentences":[{"text":"Including super.","start":1002.055,"end":1003.01495,"sentiment":"neutral","sentiment_score":0.11955972388386726},{"text":"Do you get super from your husband's business?","start":1003.01495,"end":1005.435,"sentiment":"neutral","sentiment_score":0.08452791627496481},{"text":"Yep.","start":1008.295,"end":1008.695,"sentiment":"neutral","sentiment_score":0.08693324029445648},{"text":"Okay.","start":1008.695,"end":1009.01495,"sentiment":"neutral","sentiment_score":0.19551916420459747},{"text":"Beautiful.","start":1009.01495,"end":1009.51495,"sentiment":"positive","sentiment_score":0.40876835584640503}],"sentiment":"neutral","sentiment_score":0.12358181063945477,"num_words":13,"start":1002.055,"end":1009.51495},{"sentences":[{"text":"Alright.","start":1010.77496,"end":1011.27496,"sentiment":"neutral","sentiment_score":0.20225664973258972},{"text":"I can work backwards with that.","start":1011.33496,"end":1012.875,"sentiment":"neutral","sentiment_score":0.026565516988436382},{"text":"No.","start":1012.935,"end":1013.33496,"sentiment":"neutral","sentiment_score":-0.06948934495449066},{"text":"No.","start":1013.33496,"end":1013.83496,"sentiment":"neutral","sentiment_score":-0.07820126414299011},{"text":"No.","start":1015.095,"end":1015.415,"sentiment":"neutral","sentiment_score":0.010904774069786072}],"sentiment":"neutral","sentiment_score":0.02248639166355133,"num_words":10,"start":1010.77496,"end":1015.415},{"sentences":[{"text":"You are absolutely fine.","start":1015.415,"end":1017.115,"sentiment":"neutral","sentiment_score":0.19957948476076126},{"text":"The next part of the review is you're gonna receive an email from me very shortly.","start":1018.72,"end":1026.1799,"sentiment":"neutral","sentiment_score":0.10011990694329143},{"text":"Do you have access to your email?","start":1026.7999,"end":1028.5,"sentiment":"neutral","sentiment_score":0.03420028995190348},{"text":"Yep.","start":1030.16,"end":1030.66,"sentiment":"neutral","sentiment_score":0.11702271550893784},{"text":"It's gonna come through from OdooSign.","start":1030.7999,"end":1032.74,"sentiment":"neutral","sentiment_score":0.15272067735592523}],"sentiment":"neutral","sentiment_score":0.1080289782189271,"num_words":34,"start":1015.415,"end":1032.74},{"sentences":[{"text":"It just contains your review pack.","start":1033.325,"end":1035.245,"sentiment":"neutral","sentiment_score":0.17706689735253653},{"text":"So you don't have to sign anything now.","start":1035.245,"end":1037.645,"sentiment":"neutral","sentiment_score":0.1299885455518961},{"text":"You click on sign here, and it'll open the pack up, but there's there's no signatures required.","start":1037.645,"end":1045.265,"sentiment":"neutral","sentiment_score":0.10082825580063988},{"text":"We're just gonna run it at the moment.","start":1045.325,"end":1047.41,"sentiment":"neutral","sentiment_score":0.11148215644061565},{"text":"Yep.","start":1049.4701,"end":1049.9701,"sentiment":"neutral","sentiment_score":0.048411354422569275}],"sentiment":"neutral","sentiment_score":0.118916467577219,"num_words":40,"start":1033.325,"end":1049.9701},{"sentences":[{"text":"So do you have that open?","start":1051.31,"end":1052.77,"sentiment":"neutral","sentiment_score":0.042471516877412796},{"text":"Yeah.","start":1056.5901,"end":1056.91,"sentiment":"neutral","sentiment_score":0.11022520065307616},{"text":"Okay.","start":1056.91,"end":1057.31,"sentiment":"neutral","sentiment_score":0.22878557443618777},{"text":"Fantastic.","start":1057.31,"end":1057.81,"sentiment":"neutral","sentiment_score":0.1710357367992401},{"text":"So this is your review pack.","start":1058.43,"end":1060.3501,"sentiment":"neutral","sentiment_score":0.10716979205608368}],"sentiment":"neutral","sentiment_score":0.09385962436596552,"num_words":15,"start":1051.31,"end":1060.3501},{"sentences":[{"text":"So this is where the superannuation and insurance that we manage for you presently.","start":1060.3501,"end":1066.305,"sentiment":"neutral","sentiment_score":0.19641911930271558},{"text":"So the first one is just a very brief overview.","start":1067.005,"end":1069.645,"sentiment":"neutral","sentiment_score":0.15234672874212266},{"text":"So you've got your hub twenty four account sitting at a balance of $289,617, And you've got life, TPD, and income protection with Ascender.","start":1069.645,"end":1081.71,"sentiment":"neutral","sentiment_score":0.0849642176181078},{"text":"Your life insurance is $578 and 18 $578,813.","start":1082.09,"end":1090.0299,"sentiment":"neutral","sentiment_score":0.05187558941543102},{"text":"Don't mind me today.","start":1090.33,"end":1091.5299,"sentiment":"neutral","sentiment_score":-0.05761301494203508}],"sentiment":"neutral","sentiment_score":0.10828381393415233,"num_words":60,"start":1060.3501,"end":1091.5299},{"sentences":[{"text":"I've got a case of thank god it's Friday.","start":1091.5299,"end":1095.095,"sentiment":"neutral","sentiment_score":-0.1515324835975965},{"text":"Oh, no.","start":1100.355,"end":1100.755,"sentiment":"neutral","sentiment_score":-0.17340172082185745},{"text":"Not at all.","start":1100.755,"end":1101.655,"sentiment":"neutral","sentiment_score":-0.2221562067667643},{"text":"Thank you.","start":1101.9551,"end":1102.595,"sentiment":"neutral","sentiment_score":0.05142810195684433},{"text":"And then your income protection sitting at $4,148 a month should something happen that you're unable to work due to injury or illness.","start":1102.595,"end":1112.68,"sentiment":"neutral","sentiment_score":-0.1358765120739522}],"sentiment":"neutral","sentiment_score":-0.138445333028451,"num_words":39,"start":1091.5299,"end":1112.68},{"sentences":[{"text":"Now I'm just gonna double check and make sure that's sitting about right.","start":1113.9401,"end":1119.16,"sentiment":"neutral","sentiment_score":-0.03814993999325312},{"text":"So that some insured is sitting a bit low.","start":1120.02,"end":1124.1649,"sentiment":"neutral","sentiment_score":-0.19295345743497214},{"text":"Based on your income of 110, we'll actually we'll take out super.","start":1124.625,"end":1130.6449,"sentiment":"neutral","sentiment_score":-0.17593727881709734},{"text":"She can't insure super, so give me one moment.","start":1131.985,"end":1134.325,"sentiment":"neutral","sentiment_score":-0.17745685163471434},{"text":"Still sitting a little bit low in relation to your income.","start":1141.6799,"end":1147.78,"sentiment":"neutral","sentiment_score":-0.24837600642984564}],"sentiment":"neutral","sentiment_score":-0.16061158181616553,"num_words":54,"start":1113.9401,"end":1147.78},{"sentences":[{"text":"So what that means is, essentially, if something does happen to you due to injury or illness, you're uninsured.","start":1148.175,"end":1153.9551,"sentiment":"neutral","sentiment_score":-0.18775714188814163},{"text":"You're only gonna get your monthly benefit of 4,100 and $48.","start":1154.015,"end":1159.3151,"sentiment":"neutral","sentiment_score":-0.056725156916813416},{"text":"I would need to do some proper calculations to get a better understanding of what that should be.","start":1159.8551,"end":1166.5,"sentiment":"neutral","sentiment_score":-0.14087145030498505},{"text":"But I just need to make you aware of that and see if that's something you wanna look at increasing or whether you're comfortable leaving it where it is.","start":1166.96,"end":1175.46,"sentiment":"neutral","sentiment_score":-0.08253563234004481},{"text":"Yep.","start":1185.4551,"end":1185.9551,"sentiment":"neutral","sentiment_score":0.004175434820353985}],"sentiment":"neutral","sentiment_score":-0.1168770055191066,"num_words":78,"start":1148.175,"end":1185.9551},{"sentences":[{"text":"Yep.","start":1186.3351,"end":1186.735,"sentiment":"neutral","sentiment_score":0.04135099798440933},{"text":"So you're with, yeah, with income protection, you can only insure up to 70% of your income.","start":1186.735,"end":1193.5,"sentiment":"neutral","sentiment_score":0.0498537239344681},{"text":"So there's probably some leeway there and then maybe an extra thousand or so a month that you can be insured for.","start":1195.4,"end":1202.22,"sentiment":"neutral","sentiment_score":-0.009153700856999918},{"text":"I'm happy to investigate it if you want.","start":1202.9199,"end":1205.32,"sentiment":"positive","sentiment_score":0.3489517904818058},{"text":"It's completely up to you.","start":1205.32,"end":1206.645,"sentiment":"neutral","sentiment_score":0.2742994725704193}],"sentiment":"neutral","sentiment_score":0.09152065231552664,"num_words":53,"start":1186.3351,"end":1206.645},{"sentences":[{"text":"Yep.","start":1209.685,"end":1210.005,"sentiment":"positive","sentiment_score":0.3713169991970062},{"text":"I can do that.","start":1210.005,"end":1210.805,"sentiment":"positive","sentiment_score":0.5256726294755936},{"text":"Fantastic.","start":1210.805,"end":1211.305,"sentiment":"positive","sentiment_score":0.806957483291626},{"text":"And with your risk protection portfolio, there's a policy called trauma insurance.","start":1212.965,"end":1220.2,"sentiment":"neutral","sentiment_score":0.14810489863157272},{"text":"Has that been explained to you before?","start":1220.2,"end":1222.5399,"sentiment":"neutral","sentiment_score":0.05644284561276436}],"sentiment":"neutral","sentiment_score":0.21813294813036918,"num_words":25,"start":1209.685,"end":1222.5399},{"sentences":[{"text":"No?","start":1225.24,"end":1225.5599,"sentiment":"neutral","sentiment_score":-0.07863615453243256},{"text":"No.","start":1225.5599,"end":1225.7999,"sentiment":"neutral","sentiment_score":-0.06891772150993347},{"text":"That's okay.","start":1225.7999,"end":1226.5399,"sentiment":"neutral","sentiment_score":-0.011935453861951828},{"text":"A a very brief rundown overview would be that it's a lump sum payment paid tax free if you're diagnosed with a specific in illness.","start":1227.1599,"end":1235.9651,"sentiment":"neutral","sentiment_score":0.03835085429251194},{"text":"Those range from cancer, heart attack, stroke, some neurological conditions.","start":1236.505,"end":1242.365,"sentiment":"neutral","sentiment_score":-0.009711057506501674}],"sentiment":"neutral","sentiment_score":0.017698358935423385,"num_words":39,"start":1225.24,"end":1242.365},{"sentences":[{"text":"And you would be typically, how a trauma insurance policy is recommended is that we would allow or we would recommend an amount for out of pocket medical expenses, repayment of some or all debt depending on the client's wishes, and an amount for a recovery period.","start":1243.0651,"end":1263.51,"sentiment":"neutral","sentiment_score":0.0583914411353304},{"text":"So, typically, with a trauma policy, it's not necessarily a terminal illness.","start":1263.5701,"end":1270.0549,"sentiment":"neutral","sentiment_score":0.01579107313106457},{"text":"It's something that you're probably gonna need treatment for, recovery, and that's what that policy is designed to provide for individuals.","start":1270.0549,"end":1280.35,"sentiment":"neutral","sentiment_score":0.11558912907327924},{"text":"It's just help during that recuperation period and reduce the financial stress.","start":1280.41,"end":1284.59,"sentiment":"neutral","sentiment_score":0.14698046135405698},{"text":"The income protection would kick in after a thirty day wait if the doctor deems you're unable to work, but it would depend again on the type of diagnosis you received.","start":1286.97,"end":1298.335,"sentiment":"neutral","sentiment_score":-0.051956101050299984}],"sentiment":"neutral","sentiment_score":0.04483242865985002,"num_words":123,"start":1243.0651,"end":1298.335},{"sentences":[{"text":"So the with trauma insurance, it's not funded through super.","start":1298.955,"end":1303.595,"sentiment":"neutral","sentiment_score":-0.041332141309976575},{"text":"It is funded through your personal cash flow.","start":1303.595,"end":1305.97,"sentiment":"neutral","sentiment_score":-0.029981914907693863},{"text":"That's why the payment's tax free.","start":1306.1901,"end":1308.37,"sentiment":"neutral","sentiment_score":0.011648385863130292},{"text":"So we just we just let our clients know that that policy is available.","start":1309.0701,"end":1313.41,"sentiment":"neutral","sentiment_score":0.13410409380282676},{"text":"And if it's something you wanted to look into, again, I can do that for you.","start":1313.47,"end":1317.65,"sentiment":"neutral","sentiment_score":0.14613709971308708}],"sentiment":"neutral","sentiment_score":0.06726600910123023,"num_words":54,"start":1298.955,"end":1317.65},{"sentences":[{"text":"It would be nope.","start":1319.685,"end":1321.845,"sentiment":"neutral","sentiment_score":-0.08914544247090816},{"text":"That's absolutely fine.","start":1321.845,"end":1323.545,"sentiment":"neutral","sentiment_score":0.1289541224638621},{"text":"The next document along in your review pack is the performance report from hub twenty four.","start":1325.285,"end":1330.8251,"sentiment":"neutral","sentiment_score":0.02127722615841776},{"text":"The overall net return, which is shown on the second page, is 5.84% for the last twelve months.","start":1333.98,"end":1340.88,"sentiment":"neutral","sentiment_score":-0.026280300070842106},{"text":"Now on the first page, on the very first investment, you'll see Benelung equities fund that that returned oh, get a negative return, sorry, of 17.14%.","start":1341.66,"end":1356.285,"sentiment":"neutral","sentiment_score":-0.08965563917389283}],"sentiment":"neutral","sentiment_score":-0.03631904184707065,"num_words":67,"start":1319.685,"end":1356.285},{"sentences":[{"text":"At the moment, we're looking at all of our clients that are within this this investment to look at potential alternatives for a placement as long as it fits your goals and objectives.","start":1357.865,"end":1370.29,"sentiment":"neutral","sentiment_score":0.040335826547534176},{"text":"Now it's not that Benelong it's not that the Australian share market performed badly itself.","start":1370.91,"end":1377.81,"sentiment":"neutral","sentiment_score":-0.21730801487962406},{"text":"It's been a long investment mandate.","start":1378.365,"end":1380.385,"sentiment":"neutral","sentiment_score":-0.1743166148662567},{"text":"So their mandate is that they seek companies that they feel are undervalued, and there's potential for growth within the Australian share market.","start":1380.445,"end":1390.145,"sentiment":"neutral","sentiment_score":-0.049856142181417214},{"text":"Unfortunately, that mandate hasn't been successful then for about the last twelve twelve to eighteen months with the banks performing significantly better.","start":1390.685,"end":1402.45,"sentiment":"neutral","sentiment_score":-0.26693659140305087}],"sentiment":"neutral","sentiment_score":-0.10094680724609079,"num_words":99,"start":1357.865,"end":1402.45},{"sentences":[{"text":"So what what we're looking to do is replace the Ben along Australian Equities Fund with an alternative.","start":1402.99,"end":1409.165,"sentiment":"neutral","sentiment_score":0.028376104931036632},{"text":"And if you're happy for me to do that, I'd like to investigate that for you.","start":1410.425,"end":1414.685,"sentiment":"neutral","sentiment_score":0.23063468001782894},{"text":"Thank you.","start":1416.5851,"end":1417.145,"sentiment":"positive","sentiment_score":0.4870142191648483},{"text":"Beautiful.","start":1417.145,"end":1417.645,"sentiment":"positive","sentiment_score":0.544242799282074},{"text":"And the other one that I did want to have a look at for you was the third one down, the beta bank hybrid ETF.","start":1418.58,"end":1426.0399,"sentiment":"neutral","sentiment_score":0.15811288177967073}],"sentiment":"neutral","sentiment_score":0.1560002911475397,"num_words":62,"start":1402.99,"end":1426.0399},{"sentences":[{"text":"The banks in Australia are changing their structure.","start":1427.0599,"end":1431.7999,"sentiment":"neutral","sentiment_score":-0.0016365074552595615},{"text":"So from January 2027, they're gonna phase out the hybrids.","start":1431.86,"end":1436.795,"sentiment":"neutral","sentiment_score":0.017713416554033756},{"text":"Now you have a significant holding in the hybrid sector, and what I'd like to do is rather than wait and see, I wanna be a little bit proactive in respect to looking at potentially replacing that before rather than waiting for it to phase out and see what happens.","start":1437.5751,"end":1458.58,"sentiment":"neutral","sentiment_score":0.059001910500228405},{"text":"So if you're okay with that, I'd I'd like to look into that as well.","start":1458.9049,"end":1462.205,"sentiment":"neutral","sentiment_score":0.05887107141315937},{"text":"Beautiful.","start":1464.0249,"end":1464.5249,"sentiment":"positive","sentiment_score":0.4269796013832092}],"sentiment":"neutral","sentiment_score":0.05266884885107478,"num_words":84,"start":1427.0599,"end":1464.5249},{"sentences":[{"text":"The rest of your portfolio, you is is performing quite well.","start":1466.0249,"end":1471.1649,"sentiment":"positive","sentiment_score":0.40773884003812616},{"text":"You've got some satellite, which is what we call if we think of them as niche exposures.","start":1471.625,"end":1479.98,"sentiment":"neutral","sentiment_score":0.1167037745609003},{"text":"So you have got some global agriculture and some global cyber.","start":1480.0399,"end":1484.1399,"sentiment":"neutral","sentiment_score":0.1063196835192767},{"text":"There are there are satellite investments that sit around our being like the beta Australian share fixed interest fixed interest Australian, your iShares Global, your big core investments.","start":1485.5599,"end":1503.89,"sentiment":"neutral","sentiment_score":0.181389148746218},{"text":"So they're all performing quite well.","start":1504.75,"end":1507.25,"sentiment":"positive","sentiment_score":0.33757413923740387}],"sentiment":"neutral","sentiment_score":0.2019582044792502,"num_words":73,"start":1466.0249,"end":1507.25},{"sentences":[{"text":"In part of my research, when I go away anyway, we'll be looking whether this portfolio remains fit for purpose and reviewing all the investments anyway.","start":1507.71,"end":1518.6749,"sentiment":"neutral","sentiment_score":0.15469809535604256},{"text":"But those two I've highlighted are ones that I will definitely be taking a closer look at.","start":1518.6749,"end":1524.375,"sentiment":"neutral","sentiment_score":0.22405399908037746},{"text":"Do you have any questions about your portfolio?","start":1526.6749,"end":1528.5349,"sentiment":"neutral","sentiment_score":0.051133527886122465},{"text":"No?","start":1531.7,"end":1532.02,"sentiment":"neutral","sentiment_score":-0.035515621304512024},{"text":"Okay.","start":1532.02,"end":1532.52,"sentiment":"neutral","sentiment_score":0.0757720023393631}],"sentiment":"neutral","sentiment_score":0.1562338314669312,"num_words":53,"start":1507.71,"end":1532.52},{"sentences":[{"text":"Yep.","start":1534.1799,"end":1534.6799,"sentiment":"neutral","sentiment_score":0.1441253125667572},{"text":"So with your super, for example, what would be your goals for your super fund?","start":1534.74,"end":1540.76,"sentiment":"neutral","sentiment_score":0.12089016636212667},{"text":"What do you wanna say?","start":1541.38,"end":1542.985,"sentiment":"neutral","sentiment_score":0.05047299563884735},{"text":"What's important to you?","start":1542.985,"end":1544.685,"sentiment":"neutral","sentiment_score":0.06212233379483223},{"text":"Yes.","start":1551.065,"end":1551.565,"sentiment":"neutral","sentiment_score":0.2833155393600464}],"sentiment":"neutral","sentiment_score":0.10544798695124112,"num_words":26,"start":1534.1799,"end":1551.565},{"sentences":[{"text":"Yep.","start":1553.465,"end":1553.82,"sentiment":"neutral","sentiment_score":0.2498999834060669},{"text":"Yep.","start":1560.62,"end":1561.12,"sentiment":"neutral","sentiment_score":0.14778444170951843},{"text":"Yep.","start":1574.075,"end":1574.575,"sentiment":"neutral","sentiment_score":0.2285400629043579},{"text":"Yep.","start":1575.195,"end":1575.695,"sentiment":"neutral","sentiment_score":0.281722754240036},{"text":"Yep.","start":1578.5549,"end":1579.0549,"sentiment":"positive","sentiment_score":0.3680610656738281}],"sentiment":"neutral","sentiment_score":0.2552016615867615,"num_words":5,"start":1553.465,"end":1579.0549},{"sentences":[{"text":"Speaking of yeah.","start":1583.0599,"end":1585.22,"sentiment":"positive","sentiment_score":0.3869478801886241},{"text":"Yeah.","start":1585.22,"end":1585.46,"sentiment":"neutral","sentiment_score":0.3240656554698944},{"text":"Okay.","start":1585.46,"end":1585.96,"sentiment":"neutral","sentiment_score":0.1428380012512207},{"text":"Speaking of retirement, what's your your desired retirement age?","start":1586.1799,"end":1591.4,"sentiment":"neutral","sentiment_score":0.07915892286433114},{"text":"Me too.","start":1595.275,"end":1596.015,"sentiment":"neutral","sentiment_score":0.05772428773343563}],"sentiment":"neutral","sentiment_score":0.15347663615830243,"num_words":16,"start":1583.0599,"end":1596.015},{"sentences":[{"text":"Yep.","start":1604.075,"end":1604.575,"sentiment":"neutral","sentiment_score":-0.009925857186317444},{"text":"Yep.","start":1619.13,"end":1619.415,"sentiment":"neutral","sentiment_score":0.050138723105192184},{"text":"Yeah.","start":1632.055,"end":1632.555,"sentiment":"neutral","sentiment_score":0.05440923944115639},{"text":"And if you were as well, preservation age for super is 60.","start":1634.8,"end":1639.9401,"sentiment":"neutral","sentiment_score":0.013995639979839325},{"text":"So accessing it, you'd be limited to 60.","start":1640.24,"end":1643.14,"sentiment":"neutral","sentiment_score":-0.03150393324904144}],"sentiment":"neutral","sentiment_score":0.00045818778807702273,"num_words":23,"start":1604.075,"end":1643.14},{"sentences":[{"text":"Is William older or younger than you?","start":1643.6,"end":1646.5801,"sentiment":"neutral","sentiment_score":-0.04322421284658568},{"text":"Yeah.","start":1648.72,"end":1649.04,"sentiment":"neutral","sentiment_score":-0.036403194069862366},{"text":"Okay.","start":1649.04,"end":1649.325,"sentiment":"neutral","sentiment_score":-0.08488158881664276},{"text":"Yep.","start":1657.085,"end":1657.585,"sentiment":"neutral","sentiment_score":-0.034207623451948166},{"text":"No.","start":1658.0449,"end":1658.365,"sentiment":"neutral","sentiment_score":-0.1010686606168747}],"sentiment":"neutral","sentiment_score":-0.05083005062558434,"num_words":11,"start":1643.6,"end":1658.365},{"sentences":[{"text":"Of course.","start":1658.365,"end":1659.105,"sentiment":"neutral","sentiment_score":-0.04520752094686031},{"text":"So his super yeah.","start":1659.1649,"end":1661.325,"sentiment":"neutral","sentiment_score":-0.032536743208765984},{"text":"So his super would be accessible.","start":1661.325,"end":1663.6649,"sentiment":"neutral","sentiment_score":-0.035890938403705754},{"text":"Does he have enough in super to fund the retirement until your super comes accessible?","start":1663.76,"end":1670.3401,"sentiment":"neutral","sentiment_score":-0.07464748645822207},{"text":"No.","start":1671.8401,"end":1672.3401,"sentiment":"negative","sentiment_score":-0.43154293298721313}],"sentiment":"neutral","sentiment_score":-0.0709701026789844,"num_words":28,"start":1658.365,"end":1672.3401},{"sentences":[{"text":"No.","start":1672.4,"end":1672.9,"sentiment":"negative","sentiment_score":-0.4106754660606384},{"text":"Okay.","start":1673.12,"end":1673.62,"sentiment":"negative","sentiment_score":-0.352999746799469},{"text":"Okay.","start":1678.64,"end":1679.14,"sentiment":"neutral","sentiment_score":-0.10148689150810242},{"text":"So if it was before 60, how would would William retire and you continue working, how would you fund the the income need before your super was accessible?","start":1679.655,"end":1691.7,"sentiment":"neutral","sentiment_score":0.010237195728612798},{"text":"Yeah.","start":1696.34,"end":1696.74,"sentiment":"neutral","sentiment_score":0.03436494991183281}],"sentiment":"neutral","sentiment_score":-0.017004864814225584,"num_words":32,"start":1672.4,"end":1696.74},{"sentences":[{"text":"Until you got to 60.","start":1696.74,"end":1698.44,"sentiment":"neutral","sentiment_score":-0.014451930299401283},{"text":"Okay.","start":1700.6599,"end":1701.1599,"sentiment":"neutral","sentiment_score":0.10834533721208572},{"text":"Alright.","start":1702.98,"end":1703.48,"sentiment":"neutral","sentiment_score":0.15457993745803833},{"text":"There are obviously ways that we can look at making that happen and having funds accessible outside.","start":1707.075,"end":1713.735,"sentiment":"neutral","sentiment_score":0.1711371107136502},{"text":"But if you were to review your reduce your debt in a six year time frame, that would take you to 55.","start":1714.4349,"end":1728.33,"sentiment":"neutral","sentiment_score":0.0070920662785118275}],"sentiment":"neutral","sentiment_score":0.0707830861615746,"num_words":46,"start":1696.74,"end":1728.33},{"sentences":[{"text":"Sorry.","start":1728.95,"end":1729.43,"sentiment":"neutral","sentiment_score":-0.03736010193824768},{"text":"I'm just I'm having a day today.","start":1729.43,"end":1732.97,"sentiment":"neutral","sentiment_score":0.0652588459530047},{"text":"So we could we could look at ins we could definitely look at ways to to build some wealth as you get that.","start":1735.185,"end":1744.625,"sentiment":"neutral","sentiment_score":0.2062632224482039},{"text":"So maybe around if you are successful in implementing a plan to pay down the debt in six years, at around the three year mark, we could look at potentially building some wealth outside of super to help you retire before 60 that would fund access to that would fund you until you're able to access super.","start":1744.625,"end":1764.0851,"sentiment":"neutral","sentiment_score":0.15894651654780956},{"text":"So we can put that down as a future future thing to look at.","start":1765.8251,"end":1771.045,"sentiment":"neutral","sentiment_score":0.25679965210812433}],"sentiment":"neutral","sentiment_score":0.17469267165470942,"num_words":102,"start":1728.95,"end":1771.045},{"sentences":[{"text":"Yep.","start":1775.61,"end":1776.11,"sentiment":"neutral","sentiment_score":0.03593404218554497},{"text":"So, basically, it would look like you have 24 super account, but it would be held in your personal name.","start":1776.25,"end":1781.3099,"sentiment":"neutral","sentiment_score":0.03135605100542307},{"text":"So which would make which you could then draw down as an income until you're able to access your super.","start":1782.09,"end":1791.005,"sentiment":"neutral","sentiment_score":0.03341115904040635},{"text":"But, again, the you know, that's gonna impact your super fund because if you do stop working, then your super contributions are gonna cease also.","start":1791.225,"end":1801.085,"sentiment":"neutral","sentiment_score":-0.10389395594596863},{"text":"So we would need to look at that, you know, when you've got a little bit more of an understanding of where you're sitting in relation to your debt levels.","start":1801.49,"end":1813.1901,"sentiment":"neutral","sentiment_score":-0.03716683505723874}],"sentiment":"neutral","sentiment_score":-0.024802871950669214,"num_words":96,"start":1775.61,"end":1813.1901},{"sentences":[{"text":"So that's something we can definitely look at down the track.","start":1815.095,"end":1817.755,"sentiment":"neutral","sentiment_score":0.10226308283480731},{"text":"Are you doing that with a broker?","start":1817.975,"end":1819.6749,"sentiment":"neutral","sentiment_score":0.02044442655252559},{"text":"Yeah.","start":1821.575,"end":1822.075,"sentiment":"neutral","sentiment_score":0.0695003867149353},{"text":"Okay.","start":1822.135,"end":1822.635,"sentiment":"neutral","sentiment_score":0.15299293398857117},{"text":"Beautiful.","start":1822.695,"end":1823.195,"sentiment":"positive","sentiment_score":0.386460542678833}],"sentiment":"neutral","sentiment_score":0.08937898859204281,"num_words":21,"start":1815.095,"end":1823.195},{"sentences":[{"text":"Alright.","start":1823.815,"end":1824.215,"sentiment":"neutral","sentiment_score":0.2407480925321579},{"text":"Do you have any idea when you'll know what you're gonna what your plans are with that?","start":1824.215,"end":1831.5901,"sentiment":"neutral","sentiment_score":0.11238625777118347},{"text":"Yeah.","start":1831.5901,"end":1832.0901,"sentiment":"neutral","sentiment_score":0.04596872627735138},{"text":"Yeah.","start":1833.75,"end":1834.23,"sentiment":"neutral","sentiment_score":0.17934808135032654},{"text":"That's okay.","start":1834.23,"end":1835.03,"sentiment":"positive","sentiment_score":0.3430763930082321}],"sentiment":"neutral","sentiment_score":0.13921745764938268,"num_words":22,"start":1823.815,"end":1835.03},{"sentences":[{"text":"Beautiful.","start":1835.03,"end":1835.53,"sentiment":"positive","sentiment_score":0.6344618201255798},{"text":"Oh, that's a great goal to work towards.","start":1835.99,"end":1838.17,"sentiment":"positive","sentiment_score":0.6605799496173859},{"text":"The okay.","start":1841.015,"end":1841.975,"sentiment":"positive","sentiment_score":0.3597312569618225},{"text":"Beautiful.","start":1841.975,"end":1842.375,"sentiment":"positive","sentiment_score":0.5719473958015442},{"text":"I'll make a note of all that.","start":1842.375,"end":1843.755,"sentiment":"positive","sentiment_score":0.35754615919930594}],"sentiment":"positive","sentiment_score":0.5112281284834209,"num_words":19,"start":1835.03,"end":1843.755},{"sentences":[{"text":"The next document in the pack is our Vanguard index chart.","start":1845.015,"end":1848.875,"sentiment":"neutral","sentiment_score":0.08725712279027159},{"text":"So, basically, that just shows you how markets react, the volatility.","start":1848.935,"end":1853.49,"sentiment":"neutral","sentiment_score":0.12793699719689108},{"text":"It's more of a visual tool education tool for our clients.","start":1853.71,"end":1857.17,"sentiment":"neutral","sentiment_score":0.2589427341114391},{"text":"So you are reckon you are invested presently in a growth risk profile, which what that means is 80% of your funds are invested in growth assets, 20 in defensive.","start":1857.87,"end":1870.855,"sentiment":"neutral","sentiment_score":0.08029077646012107},{"text":"So if you look at that chart down the right hand column, you'll see the top four, they're your growth assets.","start":1870.9149,"end":1877.395,"sentiment":"neutral","sentiment_score":0.11665311881474086}],"sentiment":"neutral","sentiment_score":0.11992790695235488,"num_words":84,"start":1845.015,"end":1877.395},{"sentences":[{"text":"So that's where we have 80% of your funds invested.","start":1877.395,"end":1880.2949,"sentiment":"neutral","sentiment_score":0.13588857650756836},{"text":"And the bottom two, ignore CPI, is your defensive assets.","start":1880.8,"end":1885.4401,"sentiment":"neutral","sentiment_score":0.025380093790590762},{"text":"So that's where 20% of your funds sit.","start":1885.4401,"end":1888.26,"sentiment":"neutral","sentiment_score":0.09100842103362083},{"text":"So you'll see that the top four has a lot more volatility as opposed to the bottom two, and that's where the growth of your portfolio comes from.","start":1888.72,"end":1899.815,"sentiment":"neutral","sentiment_score":0.037506760364132266},{"text":"The bottom two do obviously produce a little bit of growth, but you'll see that it's minimal.","start":1899.815,"end":1904.875,"sentiment":"neutral","sentiment_score":-0.00865372785312288}],"sentiment":"neutral","sentiment_score":0.04443602723209825,"num_words":73,"start":1877.395,"end":1904.875},{"sentences":[{"text":"They're the income producing parts of your your portfolio.","start":1905.575,"end":1909.195,"sentiment":"neutral","sentiment_score":0.10947492263383335},{"text":"So in a growth yeah.","start":1910.07,"end":1912.1499,"sentiment":"neutral","sentiment_score":0.03128448016941547},{"text":"So in a growth portfolio, what we say is a minimum time frame of six years investment period.","start":1912.1499,"end":1919.7699,"sentiment":"neutral","sentiment_score":-0.017661535698506568},{"text":"What that does is it allows recovery in markets.","start":1920.71,"end":1924.645,"sentiment":"neutral","sentiment_score":-0.030790613757239446},{"text":"So if you look at the COVID nineteen events on that graph, you'll see that the market absolutely plummeted and that it does come back, but you've gotta have time.","start":1924.645,"end":1939.085,"sentiment":"neutral","sentiment_score":-0.19098473948736985}],"sentiment":"neutral","sentiment_score":-0.07299814995010974,"num_words":71,"start":1905.575,"end":1939.085},{"sentences":[{"text":"So that's why we always say a six year period.","start":1939.085,"end":1942.67,"sentiment":"neutral","sentiment_score":-0.22744725346565248},{"text":"Additionally, in a growth portfolio, statistically, we'd expect a one in five year negative return.","start":1945.05,"end":1951.63,"sentiment":"negative","sentiment_score":-0.45968443950017296},{"text":"So that's to allow for those type of events where we would see statistically a negative return.","start":1953.165,"end":1963.265,"sentiment":"neutral","sentiment_score":-0.3107050157645169},{"text":"That's not always the case.","start":1963.3251,"end":1964.685,"sentiment":"negative","sentiment_score":-0.36735908389091493},{"text":"It could be just a low return, but that's what we'd expect in a gross investment.","start":1964.685,"end":1969.35,"sentiment":"neutral","sentiment_score":-0.2941867746412754}],"sentiment":"neutral","sentiment_score":-0.33326203506144264,"num_words":63,"start":1939.085,"end":1969.35},{"sentences":[{"text":"And the the purpose of me talking about this is basically to make sure that you understand and you're comfortable with that.","start":1972.13,"end":1980.47,"sentiment":"neutral","sentiment_score":0.05414124290374192},{"text":"If you wanna keep investing in that manner, you do have the time on your side with a six year period to continue in the growth portfolio.","start":1980.975,"end":1990.595,"sentiment":"neutral","sentiment_score":0.23817664329652433},{"text":"It's just more of a matter that, you know, our clients can pass the sleep at night test.","start":1991.375,"end":1996.82,"sentiment":"neutral","sentiment_score":0.189332847793897},{"text":"So you're comfortable with knowing the fluctuations and volatility that can occur and understand that they will occur, but you're able to hold still and ride them out.","start":1997.2,"end":2013.765,"sentiment":"neutral","sentiment_score":0.20650503784418106},{"text":"So that's it's more about your comfort.","start":2013.8251,"end":2015.925,"sentiment":"neutral","sentiment_score":0.19765187799930573}],"sentiment":"neutral","sentiment_score":0.17838796253736114,"num_words":102,"start":1972.13,"end":2015.925},{"sentences":[{"text":"Fully defensive.","start":2021.185,"end":2022.165,"sentiment":"neutral","sentiment_score":0.05916071683168411},{"text":"So you can you we would always keep an allocation to growth because you do need growth in your portfolio.","start":2022.865,"end":2029.23,"sentiment":"neutral","sentiment_score":0.08257372193038463},{"text":"But what would happen is would decrease the allocation to growth.","start":2029.61,"end":2033.45,"sentiment":"neutral","sentiment_score":0.010367176410826769},{"text":"So the next one down sits at about a 70% allocation to growth.","start":2033.45,"end":2038.27,"sentiment":"neutral","sentiment_score":0.04079168017667074},{"text":"The one below that sits at about a 50% allocation to growth and furthermore at 25%.","start":2040.055,"end":2048.795,"sentiment":"neutral","sentiment_score":0.03150681091938168}],"sentiment":"neutral","sentiment_score":0.04706831660962874,"num_words":62,"start":2021.185,"end":2048.795},{"sentences":[{"text":"So the more it's just gonna impact the growth of your portfolio, essentially.","start":2048.935,"end":2053.6099,"sentiment":"neutral","sentiment_score":0.030424830861962758},{"text":"So I think in in all of that, there is two there's if you understand and you're happy to maintain the growth, or what we can do is complete what we call a risk profile, And it just assesses on a number of standard questions what your risk tolerance is.","start":2053.6099,"end":2079.435,"sentiment":"neutral","sentiment_score":0.0663923605158925},{"text":"Yeah.","start":2088.0,"end":2088.48,"sentiment":"neutral","sentiment_score":0.30749446153640747},{"text":"We review it every year with you with your reviews anyhow.","start":2088.48,"end":2093.9402,"sentiment":"neutral","sentiment_score":0.16304886070164767},{"text":"But, yeah, it's it's completely up to you as to your feelings towards risk return, basically.","start":2096.08,"end":2106.675,"sentiment":"neutral","sentiment_score":0.08976135915145278}],"sentiment":"neutral","sentiment_score":0.07969620332613096,"num_words":91,"start":2048.935,"end":2106.675},{"sentences":[{"text":"Okay.","start":2118.3499,"end":2118.8499,"sentiment":"positive","sentiment_score":0.505878746509552},{"text":"Fantastic.","start":2119.15,"end":2119.65,"sentiment":"positive","sentiment_score":0.7061796188354492},{"text":"That's absolutely fine.","start":2119.8699,"end":2121.41,"sentiment":"positive","sentiment_score":0.5572336713473002},{"text":"The next document over is a certificate certificate of currency.","start":2123.07,"end":2127.41,"sentiment":"neutral","sentiment_score":0.12305491417646408},{"text":"It just, again, goes back to those life cover, sums insured, and your income protection to make sure that you're comfortable with those.","start":2128.125,"end":2137.185,"sentiment":"neutral","sentiment_score":0.1451166152306225}],"sentiment":"neutral","sentiment_score":0.19610501766989105,"num_words":38,"start":2118.3499,"end":2137.185},{"sentences":[{"text":"Yep.","start":2139.0051,"end":2139.5051,"sentiment":"neutral","sentiment_score":0.036962926387786865},{"text":"There's enough there to repay debt.","start":2141.325,"end":2143.5898,"sentiment":"neutral","sentiment_score":0.04806603118777275},{"text":"Is that the purpose of the life policy in the TPD for you?","start":2143.5898,"end":2147.13,"sentiment":"neutral","sentiment_score":0.05020497624690716},{"text":"Oh, sorry.","start":2153.5898,"end":2154.25,"sentiment":"neutral","sentiment_score":-0.04435835964977741},{"text":"Has it's it should be an ascender certificate of currency.","start":2155.19,"end":2161.005,"sentiment":"neutral","sentiment_score":-0.018386729527264833}],"sentiment":"neutral","sentiment_score":0.022044993442250416,"num_words":32,"start":2139.0051,"end":2161.005},{"sentences":[{"text":"Which ones have you which one have you got?","start":2164.345,"end":2166.4248,"sentiment":"neutral","sentiment_score":-0.027016509117351636},{"text":"If it's not in order, I apologize.","start":2166.4248,"end":2168.125,"sentiment":"neutral","sentiment_score":-0.10107562478099551},{"text":"Yep.","start":2172.99,"end":2173.39,"sentiment":"neutral","sentiment_score":0.01938309520483017},{"text":"That's fine.","start":2173.39,"end":2173.79,"sentiment":"neutral","sentiment_score":0.036773275351151824},{"text":"I'll I'll talk to that.","start":2173.79,"end":2175.0698,"sentiment":"neutral","sentiment_score":0.010302087757736444}],"sentiment":"neutral","sentiment_score":-0.033593244617804885,"num_words":24,"start":2164.345,"end":2175.0698},{"sentences":[{"text":"Hopefully, the security of currency will be next.","start":2175.0698,"end":2177.97,"sentiment":"neutral","sentiment_score":0.022237361408770084},{"text":"That's our financial services guide.","start":2178.8298,"end":2181.01,"sentiment":"neutral","sentiment_score":0.07691805511713028},{"text":"It is it's in your pack and can be found on the website.","start":2181.23,"end":2184.675,"sentiment":"neutral","sentiment_score":0.06489063856693414},{"text":"It just explains to you who we are, who we're licensed by, that we're licensed with ASIC, the type of advice we provide and how we do it, the fees, the fee structure, and also importantly, if you don't like us or we've done something wrong, how to make a complaint for the complaint process.","start":2185.855,"end":2206.96,"sentiment":"neutral","sentiment_score":0.017605590346184644},{"text":"If you wanna hit next, let's hope that it's the certificate of currency.","start":2209.98,"end":2215.055,"sentiment":"neutral","sentiment_score":0.014909623978802791}],"sentiment":"neutral","sentiment_score":0.02732127711692072,"num_words":94,"start":2175.0698,"end":2215.055},{"sentences":[{"text":"Yeah.","start":2228.56,"end":2229.04,"sentiment":"neutral","sentiment_score":0.018050789833068848},{"text":"Of course, you can.","start":2229.04,"end":2229.84,"sentiment":"neutral","sentiment_score":0.05910697020590305},{"text":"Yeah.","start":2229.84,"end":2230.08,"sentiment":"neutral","sentiment_score":0.06937272846698761},{"text":"See if that works.","start":2230.08,"end":2231.1401,"sentiment":"neutral","sentiment_score":0.06823702715337276},{"text":"Okay.","start":2244.015,"end":2244.515,"sentiment":"neutral","sentiment_score":0.0776042640209198}],"sentiment":"neutral","sentiment_score":0.06130943379618905,"num_words":11,"start":2228.56,"end":2244.515},{"sentences":[{"text":"Beautiful.","start":2244.7349,"end":2245.2349,"sentiment":"positive","sentiment_score":0.36214888095855713},{"text":"So that's fantastic.","start":2247.295,"end":2249.315,"sentiment":"positive","sentiment_score":0.5548061827818552},{"text":"That's good.","start":2249.535,"end":2249.935,"sentiment":"positive","sentiment_score":0.6037314534187317},{"text":"I was hoping it was there and wasn't missed.","start":2249.935,"end":2251.98,"sentiment":"neutral","sentiment_score":0.12934405439429814},{"text":"This the second page just outlines outlines those levels of cover we talked about earlier.","start":2253.82,"end":2258.14,"sentiment":"neutral","sentiment_score":0.03814685021837552}],"sentiment":"neutral","sentiment_score":0.16567765263219675,"num_words":30,"start":2244.7349,"end":2258.14},{"sentences":[{"text":"I'm gonna have a look at the income protection.","start":2258.14,"end":2260.16,"sentiment":"neutral","sentiment_score":0.03574322433107429},{"text":"But, basically, the life and TPD cover is gonna cover the debt attached to your home and provide a little bit of surplus.","start":2260.7,"end":2269.115,"sentiment":"neutral","sentiment_score":0.042126523897699684},{"text":"Is that your intention for those 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order.","start":2281.175,"end":2283.1099,"sentiment":"neutral","sentiment_score":-0.156971612945199},{"text":"Yep.","start":2286.45,"end":2286.95,"sentiment":"neutral","sentiment_score":0.06070134788751602},{"text":"Beautiful.","start":2287.49,"end":2287.99,"sentiment":"neutral","sentiment_score":0.15659749507904053}],"sentiment":"neutral","sentiment_score":-0.05532655263474832,"num_words":24,"start":2277.495,"end":2287.99},{"sentences":[{"text":"So that is our ongoing fee arrangement.","start":2288.5298,"end":2291.25,"sentiment":"neutral","sentiment_score":0.03767016051071031},{"text":"So you would have been on one previously.","start":2291.25,"end":2293.0298,"sentiment":"neutral","sentiment_score":0.019506959710270166},{"text":"What it is is your consent to continue.","start":2293.905,"end":2297.605,"sentiment":"neutral","sentiment_score":0.01672355947084725},{"text":"So if you wanna if you're happy to continue remaining a client of Oakview Financial, Your fee that's funded from your hub twenty four account is estimated to be $4,750 per annum.","start":2297.665,"end":2313.74,"sentiment":"neutral","sentiment_score":0.03399205509776948},{"text":"That's then it's a fixed fee.","start":2314.12,"end":2316.04,"sentiment":"neutral","sentiment_score":-0.005433764774352312}],"sentiment":"neutral","sentiment_score":0.026371777893547884,"num_words":61,"start":2288.5298,"end":2316.04},{"sentences":[{"text":"So, previously, these were a percent based fee, which meant each month, it would go up and down depending on how the portfolio reacted.","start":2316.04,"end":2324.895,"sentiment":"neutral","sentiment_score":-0.02639367027829091},{"text":"What we do now so in terms of, you know, growth, we'd get paid more.","start":2325.7551,"end":2331.0552,"sentiment":"neutral","sentiment_score":0.015832170968254407},{"text":"What we have the approach we've taken along with so many other advice firms in Australia is to fix that fee because to make it fair and transparent.","start":2332.155,"end":2343.23,"sentiment":"neutral","sentiment_score":0.05332056466223938},{"text":"So that fee is fixed.","start":2344.01,"end":2345.55,"sentiment":"neutral","sentiment_score":0.09169058054685593},{"text":"It would it works out to be $395.83 a month, which is funded by from your hub account.","start":2345.61,"end":2352.815,"sentiment":"neutral","sentiment_score":0.08040966797206137}],"sentiment":"neutral","sentiment_score":0.033364857940210234,"num_words":90,"start":2316.04,"end":2352.815},{"sentences":[{"text":"So if you're happy to continue being a client and, you know, paying that fee, we ask that you do sign it because we do need you to do that in order for us to continue being your adviser.","start":2353.5151,"end":2365.455,"sentiment":"neutral","sentiment_score":0.15505663210000747},{"text":"And then the next document is the authority that we hold your tax file number.","start":2366.55,"end":2374.3901,"sentiment":"neutral","sentiment_score":0.09469599102934202},{"text":"So the we do have that on file from when we set that up with hub twenty four For privacy purposes, we do ask and just make sure that our clients are aware that we do hold that number, your tax number on file and your signatures just acknowledging that, you know, where that you're comfortable with that, you're aware of it.","start":2374.3901,"end":2399.6802,"sentiment":"neutral","sentiment_score":0.07601380336188501},{"text":"And the reason being is we don't want your fund super taxed at a higher rate if we don't provide it.","start":2400.3,"end":2406.32,"sentiment":"neutral","sentiment_score":-0.10473844994391714},{"text":"So that's the purpose of that document.","start":2407.7249,"end":2410.1448,"sentiment":"neutral","sentiment_score":0.04665727061884744}],"sentiment":"neutral","sentiment_score":0.0715805400783817,"num_words":144,"start":2353.5151,"end":2410.1448},{"sentences":[{"text":"After that mouthful, do you have any questions?","start":2412.045,"end":2414.865,"sentiment":"neutral","sentiment_score":0.05600507650524378},{"text":"No.","start":2419.53,"end":2420.03,"sentiment":"neutral","sentiment_score":-0.0564386285841465},{"text":"Fantastic.","start":2425.45,"end":2425.95,"sentiment":"positive","sentiment_score":0.47607311606407166},{"text":"I have two questions, only two.","start":2426.81,"end":2429.1501,"sentiment":"neutral","sentiment_score":0.1354432093600432},{"text":"Sorry.","start":2431.21,"end":2431.71,"sentiment":"neutral","sentiment_score":0.043604254722595215}],"sentiment":"neutral","sentiment_score":0.1014081535532194,"num_words":17,"start":2412.045,"end":2431.71},{"sentences":[{"text":"Very, very quick ones, and they should be yes or no.","start":2431.85,"end":2434.275,"sentiment":"neutral","sentiment_score":0.18042022396217694},{"text":"Review frequency.","start":2435.2349,"end":2436.2148,"sentiment":"neutral","sentiment_score":0.09471407532691956},{"text":"Are you happy to have your reviews annually, or would you like them more frequent?","start":2436.355,"end":2440.535,"sentiment":"neutral","sentiment_score":0.09860390921433766},{"text":"Yep.","start":2443.315,"end":2443.815,"sentiment":"neutral","sentiment_score":0.09257297217845915},{"text":"And the last one yep.","start":2444.115,"end":2446.29,"sentiment":"neutral","sentiment_score":0.03787687569856644}],"sentiment":"neutral","sentiment_score":0.115737253033063,"num_words":34,"start":2431.85,"end":2446.29},{"sentences":[{"text":"Yeah.","start":2455.8901,"end":2456.3901,"sentiment":"neutral","sentiment_score":-0.019803300499916077},{"text":"Just pay it and do yeah.","start":2459.01,"end":2462.2751,"sentiment":"neutral","sentiment_score":0.042631434897581734},{"text":"I get it.","start":2462.2751,"end":2463.175,"sentiment":"neutral","sentiment_score":0.09356694668531418},{"text":"Absolutely.","start":2464.355,"end":2464.855,"sentiment":"neutral","sentiment_score":0.03857829049229622},{"text":"Alright.","start":2466.115,"end":2466.615,"sentiment":"neutral","sentiment_score":-0.15375155210494995}],"sentiment":"neutral","sentiment_score":0.03345940727740526,"num_words":12,"start":2455.8901,"end":2466.615},{"sentences":[{"text":"No.","start":2468.675,"end":2469.075,"sentiment":"neutral","sentiment_score":-0.23677895963191983},{"text":"I completely understand, and I'll make a note of that definitely.","start":2469.075,"end":2471.815,"sentiment":"neutral","sentiment_score":0.008293583311817863},{"text":"And the last one is sorry, but I know you don't have any estate planning documents in place.","start":2472.995,"end":2479.2402,"sentiment":"neutral","sentiment_score":-0.10596916410658094},{"text":"Is it something you and William are gonna look at?","start":2481.3801,"end":2483.8,"sentiment":"neutral","sentiment_score":0.012901975587010384},{"text":"Yeah.","start":2485.9402,"end":2486.415,"sentiment":"neutral","sentiment_score":0.014750609174370766}],"sentiment":"neutral","sentiment_score":-0.0465664422457538,"num_words":41,"start":2468.675,"end":2486.415},{"sentences":[{"text":"Yeah.","start":2487.215,"end":2487.715,"sentiment":"neutral","sentiment_score":0.06861603260040283},{"text":"Just given that you guys have a blended family, it is probably something that you do need to look at to make sure that your wishes are adhered to and met.","start":2488.495,"end":2499.3599,"sentiment":"neutral","sentiment_score":0.07158183895291821},{"text":"I've seen some doozies in my time, to be honest with you.","start":2501.0999,"end":2505.1199,"sentiment":"neutral","sentiment_score":-0.1305083828046918},{"text":"What we do have a professional partner that we work with that does do this at quite a reasonable price, to be honest with you, compared to some that I've seen in my lifetime.","start":2507.02,"end":2517.555,"sentiment":"neutral","sentiment_score":0.07556871653479688},{"text":"What I can do is send a brochure through to you if you like to have a look.","start":2518.415,"end":2522.595,"sentiment":"neutral","sentiment_score":0.15614695474505424}],"sentiment":"neutral","sentiment_score":0.06355764577165246,"num_words":96,"start":2487.215,"end":2522.595},{"sentences":[{"text":"And if it's something that you're interested in, I can organize an introduction for you and William.","start":2523.615,"end":2529.25,"sentiment":"neutral","sentiment_score":0.1511936284163419},{"text":"But given that you guys do have a blended family, I think it is and the fact that your beneficiary nominations are set up to go to your estate, so without having a will all your super and life insurance is gonna go to your estate, and you don't have a will.","start":2531.23,"end":2547.195,"sentiment":"neutral","sentiment_score":0.020881066886851422},{"text":"So probably something that we need to look at.","start":2548.455,"end":2552.5552,"sentiment":"neutral","sentiment_score":-0.006676528809799088},{"text":"In the meantime, did you wanna change that beneficiary nomination, or are you what what are your thoughts?","start":2553.095,"end":2563.29,"sentiment":"neutral","sentiment_score":-0.016601714719500806},{"text":"Yeah.","start":2565.27,"end":2565.77,"sentiment":"neutral","sentiment_score":-0.00869609322398901}],"sentiment":"neutral","sentiment_score":0.033901973646710215,"num_words":97,"start":2523.615,"end":2565.77},{"sentences":[{"text":"So do you wanna leave it to your estate?","start":2568.8699,"end":2570.965,"sentiment":"neutral","sentiment_score":-0.018275573021835752},{"text":"Yep.","start":2572.705,"end":2573.105,"sentiment":"neutral","sentiment_score":0.11899521201848984},{"text":"Alright.","start":2573.105,"end":2573.5051,"sentiment":"neutral","sentiment_score":0.2706528306007385},{"text":"Beautiful.","start":2573.5051,"end":2574.0051,"sentiment":"positive","sentiment_score":0.4504299759864807},{"text":"I'm gonna send you through some information on the wills and power of attorney and our our professional partner anyway, and they can all do that via phone and whatever means is necessary to help you through that process as well.","start":2574.225,"end":2589.79,"sentiment":"neutral","sentiment_score":0.20945458114147186}],"sentiment":"neutral","sentiment_score":0.17477803185301008,"num_words":53,"start":2568.8699,"end":2589.79},{"sentences":[{"text":"So I will send that through to you to look at, and you can let me know if you want me to arrange an introduction.","start":2589.79,"end":2595.01,"sentiment":"neutral","sentiment_score":0.21256159126758575},{"text":"That's That's absolutely fine.","start":2598.83,"end":2600.405,"sentiment":"positive","sentiment_score":0.3844761252403259},{"text":"Absolutely fine.","start":2600.405,"end":2601.365,"sentiment":"positive","sentiment_score":0.4029310941696167},{"text":"If you have any questions at all, Kerry, please give me a call.","start":2601.365,"end":2604.485,"sentiment":"neutral","sentiment_score":0.23235182578747088},{"text":"I'm gonna go do some research, and you'll I will probably reach out to you in the next two weeks or so to set up a time just to run through any changes I've recommended.","start":2604.485,"end":2617.99,"sentiment":"neutral","sentiment_score":0.08560451295758997}],"sentiment":"neutral","sentiment_score":0.17309541974358167,"num_words":79,"start":2589.79,"end":2617.99},{"sentences":[{"text":"Beautiful.","start":2617.99,"end":2618.47,"sentiment":"positive","sentiment_score":0.8000742793083191},{"text":"Well, I hope your day gets quicker for you and ends, and it's quicker to the weekend.","start":2618.47,"end":2624.041,"sentiment":"positive","sentiment_score":0.5880425572395325},{"text":"Have a good day.","start":2627.461,"end":2628.601,"sentiment":"positive","sentiment_score":0.7159082889556885},{"text":"Okay.","start":2630.181,"end":2630.681,"sentiment":"positive","sentiment_score":0.3873262405395508},{"text":"Thank you.","start":2631.221,"end":2631.861,"sentiment":"positive","sentiment_score":0.6321034133434296}],"sentiment":"positive","sentiment_score":0.6124785590171814,"num_words":25,"start":2617.99,"end":2631.861},{"sentences":[{"text":"Bye.","start":2631.861,"end":2632.361,"sentiment":"neutral","sentiment_score":-0.1183466613292694}],"sentiment":"neutral","sentiment_score":-0.1183466613292694,"num_words":1,"start":2631.861,"end":2632.361}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Didn't they tell you? Yep. Thank you. Carrie Capper. 91276. 62 Valley Circuit Curvy, Queensland. Yes. Thank you. Yeah. Well, I started doing two jobs this week, so I didn't anticipate that I would go over time, but I did. Yes. Yep. Yep. Okay. Yes. Yep. Thank you. I know. Yes. Yes. Correct. Yes. No. When you say that, you mean that are living with us? Oh, okay. So four. Three steps to do. And one child. Yep. Yeah. Yes and no. So I'm an executive assistant at Metro North Health. So yeah. But I will be going back to the executives at Royal Brisbane from December, so you might as well just leave that. Yes. Metro yeah. MetroHealth at the moment. Yeah. Robertson. Robertson. Yeah. Thirty eight, supposedly. Yes. Actually, that changed. It's about 90 something at the moment. Yes. I should have all this information handy, shouldn't I? What exactly? Okay. I have just done a spreadsheet on that actually. So let me just have a look. It's on my computer. And it's not happening. Okay. Oh. Actually, it's not weekly, it's not a lot. This is more calculation for annually that I did, but yep. Okay. So annually, all our bill subscriptions and other expenses come to 47,400. Did I put the mortgage? No. I didn't. No. I didn't. So the mortgage, yeah, the mortgage monthly is about 3,000 or 2,800. No. That's just the minimum. Yeah. Yep. I think it's 17%, actually. Yes. I think it's 5%. Does that would that sound about right? Oh, yes. I do. Oh my god. Yeah. I'm just gonna so I can well, I contribute hang on. I'm just gonna I'm just gonna pull this up because Does it say no. It won't. Oh god. I'm on the wrong computer. I've got a new computer, so that's not gonna help me. I do contribute. I think it's about a $140 a week that I contribute on top of. So yes, it is. Yep. No. I don't think so. I think I've steered you in the wrong direction there. Let me just I've just gotta log in. Actually, what would be really good the next time we do this is if you can send me a list of everything that I need to have on hand before we have a conversation. Yeah. So that yeah. That'd be great. And then I don't have to scramble finding it for you. Because because quite honestly yeah. Quite honestly, off the top of my head, I just let stuff go. Okay. Alright. Just gonna pull up a payslip. It'll tell me. Yes. So my voluntary super contribution is a $198 a week. I think it's 17¢. An EBA? No. Oh, When you say EBA? What's like a bargaining agreement. Yes. We do. Sorry. Yes. We do. For the super. I assume so. I thought the EBA was, like, for wages and salary across the board, not just for superannuation. Okay. Yes. I think it's 1.3 now. Just under. So that's yeah. $3.80. Yes. Yep. Yeah. But that's registered to the business. So Yeah. Yeah. Husband's business. Yeah. There is. Yeah. I was gonna say that's probably not relevant. No. Yes. Yes. We do. Sorry. It's with NIV. So I just found my income statement. So a little late, but never. It's so I worked two jobs. One for Queensland Health and one for and I did and then for my husband as well. So my gross salary and wages for Queensland Health was 84 for the last financial year. And give me one sec. And for a couple of painting services was 11,000. So yeah. When I said that 92, that's yep. Combined. Yeah. Yes. So not yeah. 95. No. Only other than telepath tablets, but no. Oh, yes. I do. You don't wanna know. What what is that for? What is that information for? Okay. Oh, okay. Yep. Yep. Okay. No. Well, we were paying taxes when you're doing, but not that's not relevant anymore. We don't have anything there. Yeah. Yes. All still relevant. Haven't eventuated, but still relevant. Yeah. Yep. That no. That's all, by the way, so I've had too many other competing priorities this year. So Mhmm. I don't I don't know. We'll have to review our situation. It would be nice, but yeah. Depending on the world environment too and what happens with that. Can can I yeah. Sorry. Sorry. I'm just looking at my my my girl's account, and I just I just wanna correct my income for the last financial year because with the two combined, it's saying the total gross was 110. So that includes super and everything. Yes. Sorry. Sorry. I'm scrolling down the page. Yeah. Yeah. Yep. Okay. Yes. Mhmm. Yep. Oh my god. That's the well, you've been putting up with me scrambling, so that's fine. I completely understand. Yeah. Yeah. Mhmm. Okay. Yes. Okay. 4,000 a month. Like, it's less than what I earn currently. So but, I mean, it's still comfortable. Okay. Yeah. If you can, that'd be great. Thank you. I'm not too sure. Sorry. Yep. Okay. Okay. Okay. No. Let's leave that for now. Yep. Mhmm. Yeah. Okay. Mhmm. Okay. Mhmm. Yeah. Good. Yeah. Thank you. Mhmm. Okay. Mhmm. Yep. Yep. Mhmm. Yeah. Mhmm. No. That's fine. I'm following that yet. Mhmm. Look. I just wanna see it increased. That's what I want because I think when I started this out, when I was with QSuper, the calculations were that I was gonna end up with something like $380,000 by the time I retire. But I've super said 700. So as long as it's calming, then, yeah, then I'm happy. Mhmm. Oh, look. Tomorrow? I'm sure you get that a lot. We're actually we're actually in the process of reviewing our mortgage structure, to be honest, and we're going to try and reduce that. At the moment, it's at nineteen years, and we're gonna try and reduce that and pay it off a lot quicker if we can. So we're looking at probably six years to pay our mortgage off and then get some investments. So yeah. So ideally, I'm 49 now, so I'd really like to retire before I'm 60, realistically. Yeah. He's nine years older. That's why we're looking at reducing our mortgages quickly as possible. The only because he's self employed, paid a decorator, and that's not sustainable for another ten years. So or 19 years. No. Nope. We don't need something like 30,000 in this paper. It's ridiculous. I have to completely working. Yeah. Mhmm. Okay. Mhmm. Okay. What's that? What what would that sort of be like look like? Oh, okay. Yeah. Yeah. Yes. Yes. It's in the works, so I'm assuming within the next month. Yeah. Yes. Yes. Yep. Okay. Yeah. Yes. Okay. Mhmm. Yeah. Yeah. Okay. Yeah. Yeah. Mhmm. So other than gross investment, what's the other options? Okay. Okay. Okay. Okay. I think I'm happy with the growth. Yes. Well, I think it's tracking along quite nicely as is. So, yeah, I'm happy. Yep. Say that again. Sorry. I'm just trying to find the document. I it hasn't gone. No. I can't see that. I'm in IP services guide. I just clicked next. Mhmm. Okay. There's no next. Maybe I hit the next twice previously. Can I go out of the document and come back in? Yeah. Okay. Let's have a look. No. Oh, certificate of currency. Yes. It's after that one. Okay. Found it. Yeah. Yeah. Yeah. The consent to new ongoing fee arrangement. Mhmm. Yep. Yeah. Okay. Mhmm. Yep. That's fine. Yeah. Okay. No. I don't. I'm just happy to take along as is and and stay with hub twenty four. Thank you. Yes. Annual's fine. But I yeah. As I as I just as I said earlier, if you can just let me know in advance exactly what figures you want, then that'll make this easier for me because, like, I don't look at this a lot as people don't. You know, it's like your power bill. You just don't look at what you're charged and then yeah. Happy just to tick along. So yeah. I'm so busy. I just don't check things. Thank you. Yeah. Yeah. I think so. We'll have to. Yep. Yeah. Yeah. I bet. Yeah. Yep. Yeah. That'd be great. Yeah. It's You mean the person? Yeah. No. That's fine. Yes. Okay. Yes. Okay. Thank you. I appreciate that. Okay. Okay. Thank you. Appreciate that. Yeah. Thank you. You too. Thanks, Jenna. 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Yeah. Didn't they tell you? Yep. Thank you.\n\nCarrie Capper. 91276. 62 Valley Circuit Curvy, Queensland. Yes. Thank you.\n\nYeah. Well, I started doing two jobs this week, so I didn't anticipate that I would go over time, but I did. Yes. Yep. Yep.\n\nOkay. Yes. Yep. Thank you. I know.\n\nYes. Yes. Correct. Yes. No.\n\nWhen you say that, you mean that are living with us? Oh, okay. So four. Three steps to do. And one child.\n\nYep. Yeah. Yes and no. So I'm an executive assistant at Metro North Health. So yeah.\n\nBut I will be going back to the executives at Royal Brisbane from December, so you might as well just leave that. Yes. Metro yeah. MetroHealth at the moment. Yeah.\n\nRobertson. Robertson. Yeah. Thirty eight, supposedly. Yes.\n\nActually, that changed. It's about 90 something at the moment. Yes. I should have all this information handy, shouldn't I? What exactly?\n\nOkay. I have just done a spreadsheet on that actually. So let me just have a look. It's on my computer. And it's not happening.\n\nOkay. Oh. Actually, it's not weekly, it's not a lot. This is more calculation for annually that I did, but yep. Okay.\n\nSo annually, all our bill subscriptions and other expenses come to 47,400. Did I put the mortgage? No. I didn't. No.\n\nI didn't. So the mortgage, yeah, the mortgage monthly is about 3,000 or 2,800. No. That's just the minimum. Yeah.\n\nYep. I think it's 17%, actually. Yes. I think it's 5%. Does that would that sound about right?\n\nOh, yes. I do. Oh my god. Yeah. I'm just gonna so I can well, I contribute hang on.\n\nI'm just gonna I'm just gonna pull this up because Does it say no. It won't. Oh god. I'm on the wrong computer. I've got a new computer, so that's not gonna help me.\n\nI do contribute. I think it's about a $140 a week that I contribute on top of. So yes, it is. Yep. No.\n\nI don't think so. I think I've steered you in the wrong direction there. Let me just I've just gotta log in. Actually, what would be really good the next time we do this is if you can send me a list of everything that I need to have on hand before we have a conversation. Yeah.\n\nSo that yeah. That'd be great. And then I don't have to scramble finding it for you. Because because quite honestly yeah. Quite honestly, off the top of my head, I just let stuff go.\n\nOkay. Alright. Just gonna pull up a payslip. It'll tell me. Yes.\n\nSo my voluntary super contribution is a $198 a week. I think it's 17¢. An EBA? No. Oh, When you say EBA?\n\nWhat's like a bargaining agreement. Yes. We do. Sorry. Yes.\n\nWe do. For the super. I assume so. I thought the EBA was, like, for wages and salary across the board, not just for superannuation. Okay.\n\nYes. I think it's 1.3 now. Just under. So that's yeah. $3.80.\n\nYes. Yep. Yeah. But that's registered to the business. So Yeah.\n\nYeah. Husband's business. Yeah. There is. Yeah.\n\nI was gonna say that's probably not relevant. No. Yes. Yes. We do.\n\nSorry. It's with NIV. So I just found my income statement. So a little late, but never. It's so I worked two jobs.\n\nOne for Queensland Health and one for and I did and then for my husband as well. So my gross salary and wages for Queensland Health was 84 for the last financial year. And give me one sec. And for a couple of painting services was 11,000. So yeah.\n\nWhen I said that 92, that's yep. Combined. Yeah. Yes. So not yeah.\n\n95. No. Only other than telepath tablets, but no. Oh, yes. I do.\n\nYou don't wanna know. What what is that for? What is that information for? Okay. Oh, okay.\n\nYep. Yep. Okay. No. Well, we were paying taxes when you're doing, but not that's not relevant anymore.\n\nWe don't have anything there. Yeah. Yes. All still relevant. Haven't eventuated, but still relevant.\n\nYeah. Yep. That no. That's all, by the way, so I've had too many other competing priorities this year. So Mhmm.\n\nI don't I don't know. We'll have to review our situation. It would be nice, but yeah. Depending on the world environment too and what happens with that. Can can I yeah.\n\nSorry. Sorry. I'm just looking at my my my girl's account, and I just I just wanna correct my income for the last financial year because with the two combined, it's saying the total gross was 110. So that includes super and everything. Yes.\n\nSorry. Sorry. I'm scrolling down the page. Yeah. Yeah.\n\nYep. Okay. Yes. Mhmm. Yep.\n\nOh my god. That's the well, you've been putting up with me scrambling, so that's fine. I completely understand. Yeah. Yeah.\n\nMhmm. Okay. Yes. Okay. 4,000 a month.\n\nLike, it's less than what I earn currently. So but, I mean, it's still comfortable. Okay. Yeah. If you can, that'd be great.\n\nThank you. I'm not too sure. Sorry. Yep. Okay.\n\nOkay. Okay. No. Let's leave that for now. Yep.\n\nMhmm. Yeah. Okay. Mhmm. Okay.\n\nMhmm. Yeah. Good. Yeah. Thank you.\n\nMhmm. Okay. Mhmm. Yep. Yep.\n\nMhmm. Yeah. Mhmm. No. That's fine.\n\nI'm following that yet. Mhmm. Look. I just wanna see it increased. That's what I want because I think when I started this out, when I was with QSuper, the calculations were that I was gonna end up with something like $380,000 by the time I retire.\n\nBut I've super said 700. So as long as it's calming, then, yeah, then I'm happy. Mhmm. Oh, look. Tomorrow?\n\nI'm sure you get that a lot. We're actually we're actually in the process of reviewing our mortgage structure, to be honest, and we're going to try and reduce that. At the moment, it's at nineteen years, and we're gonna try and reduce that and pay it off a lot quicker if we can. So we're looking at probably six years to pay our mortgage off and then get some investments. So yeah.\n\nSo ideally, I'm 49 now, so I'd really like to retire before I'm 60, realistically. Yeah. He's nine years older. That's why we're looking at reducing our mortgages quickly as possible. The only because he's self employed, paid a decorator, and that's not sustainable for another ten years.\n\nSo or 19 years. No. Nope. We don't need something like 30,000 in this paper. It's ridiculous.\n\nI have to completely working. Yeah. Mhmm. Okay. Mhmm.\n\nOkay. What's that? What what would that sort of be like look like? Oh, okay. Yeah.\n\nYeah. Yes. Yes. It's in the works, so I'm assuming within the next month. Yeah.\n\nYes. Yes. Yep. Okay. Yeah.\n\nYes. Okay. Mhmm. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Mhmm. So other than gross investment, what's the other options?\n\nOkay. Okay. Okay. Okay. I think I'm happy with the growth.\n\nYes. Well, I think it's tracking along quite nicely as is. So, yeah, I'm happy. Yep. Say that again.\n\nSorry. I'm just trying to find the document. I it hasn't gone. No. I can't see that.\n\nI'm in IP services guide. I just clicked next. Mhmm. Okay. There's no next.\n\nMaybe I hit the next twice previously. Can I go out of the document and come back in? Yeah. Okay. Let's have a look.\n\nNo. Oh, certificate of currency. Yes. It's after that one. Okay.\n\nFound it. Yeah. Yeah. Yeah. The consent to new ongoing fee arrangement.\n\nMhmm. Yep. Yeah. Okay. Mhmm.\n\nYep. That's fine. Yeah. Okay. No.\n\nI don't. I'm just happy to take along as is and and stay with hub twenty four. Thank you. Yes. Annual's fine.\n\nBut I yeah. As I as I just as I said earlier, if you can just let me know in advance exactly what figures you want, then that'll make this easier for me because, like, I don't look at this a lot as people don't. You know, it's like your power bill. You just don't look at what you're charged and then yeah. Happy just to tick along.\n\nSo yeah. I'm so busy. I just don't check things. Thank you. Yeah.\n\nYeah. I think so. We'll have to. Yep. Yeah.\n\nYeah. I bet. Yeah. Yep. Yeah.\n\nThat'd be great. Yeah. It's You mean the person? Yeah. No.\n\nThat's fine. Yes. Okay. Yes. Okay.\n\nThank you. I appreciate that. Okay. Okay. Thank you.\n\nAppreciate that. Yeah. Thank you. You too. Thanks, Jenna.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.04238523170351982},{"text":"Yeah.","start":7.68,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.06430573016405106},{"text":"Didn't they tell you?","start":7.9199996,"end":9.059999,"sentiment":"neutral","sentiment_score":0.025447964668273926},{"text":"Yep.","start":16.895,"end":17.375,"sentiment":"neutral","sentiment_score":0.09867753088474274},{"text":"Thank you.","start":17.375,"end":18.115,"sentiment":"positive","sentiment_score":0.3339437395334244}],"sentiment":"neutral","sentiment_score":0.10833864783247311,"num_words":9,"start":1.4399999,"end":18.115},{"sentences":[{"text":"Carrie Capper.","start":23.375,"end":24.175,"sentiment":"neutral","sentiment_score":0.03604009002447128},{"text":"91276.","start":24.175,"end":25.53,"sentiment":"neutral","sentiment_score":0.01988220401108265},{"text":"62 Valley Circuit Curvy, 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us?","start":108.72,"end":111.380005,"sentiment":"neutral","sentiment_score":-0.01573793657801368},{"text":"Oh, okay.","start":117.12,"end":117.94,"sentiment":"neutral","sentiment_score":0.003593910951167345},{"text":"So four.","start":118.0,"end":118.9,"sentiment":"neutral","sentiment_score":0.00325891375541687},{"text":"Three steps to do.","start":119.525,"end":120.645,"sentiment":"neutral","sentiment_score":0.010547615122050047},{"text":"And one child.","start":120.645,"end":123.065,"sentiment":"neutral","sentiment_score":0.00609643788387378}],"sentiment":"neutral","sentiment_score":-0.004496903582052751,"num_words":22,"start":108.72,"end":123.065},{"sentences":[{"text":"Yep.","start":125.604996,"end":126.104996,"sentiment":"neutral","sentiment_score":0.005164787173271179},{"text":"Yeah.","start":126.965,"end":127.465,"sentiment":"neutral","sentiment_score":0.03175404667854309},{"text":"Yes and no.","start":141.15001,"end":141.95,"sentiment":"neutral","sentiment_score":-0.02569831597308318},{"text":"So I'm an executive assistant at Metro North Health.","start":141.95,"end":146.21,"sentiment":"neutral","sentiment_score":0.01608568761083815},{"text":"So yeah.","start":146.535,"end":147.19499,"sentiment":"neutral","sentiment_score":0.028327970765531063}],"sentiment":"neutral","sentiment_score":0.010078188497573137,"num_words":16,"start":125.604996,"end":147.19499},{"sentences":[{"text":"But I will be going back to the executives at Royal Brisbane from December, so you might as well just leave that.","start":149.655,"end":156.315,"sentiment":"neutral","sentiment_score":0.022687443913045256},{"text":"Yes.","start":171.3,"end":171.8,"sentiment":"neutral","sentiment_score":0.029079552739858627},{"text":"Metro yeah.","start":172.34001,"end":173.22,"sentiment":"neutral","sentiment_score":0.017144919373095036},{"text":"MetroHealth at the moment.","start":173.22,"end":175.205,"sentiment":"neutral","sentiment_score":0.015036514261737466},{"text":"Yeah.","start":181.985,"end":182.145,"sentiment":"neutral","sentiment_score":0.009491264820098875}],"sentiment":"neutral","sentiment_score":0.021071015981336434,"num_words":30,"start":149.655,"end":182.145},{"sentences":[{"text":"Robertson.","start":182.145,"end":182.645,"sentiment":"neutral","sentiment_score":0.0041765449568629265},{"text":"Robertson.","start":183.74501,"end":184.24501,"sentiment":"neutral","sentiment_score":0.006167737301439047},{"text":"Yeah.","start":184.785,"end":185.285,"sentiment":"neutral","sentiment_score":0.01334160752594471},{"text":"Thirty eight, supposedly.","start":192.81,"end":194.03,"sentiment":"neutral","sentiment_score":-0.0027002662730713687},{"text":"Yes.","start":198.97,"end":199.47,"sentiment":"neutral","sentiment_score":0.05099786818027496}],"sentiment":"neutral","sentiment_score":0.009511851306472505,"num_words":7,"start":182.145,"end":199.47},{"sentences":[{"text":"Actually, that changed.","start":209.115,"end":211.295,"sentiment":"neutral","sentiment_score":0.019179546584685642},{"text":"It's about 90 something at the moment.","start":212.955,"end":216.25,"sentiment":"neutral","sentiment_score":0.023554806198392595},{"text":"Yes.","start":221.03,"end":221.53,"sentiment":"neutral","sentiment_score":0.03109542466700077},{"text":"I should have all this information handy, shouldn't I?","start":225.35,"end":228.33,"sentiment":"neutral","sentiment_score":0.057509389602475695},{"text":"What 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happening.","start":266.32498,"end":267.54498,"sentiment":"neutral","sentiment_score":-0.03864597249776125}],"sentiment":"neutral","sentiment_score":0.05067686580121517,"num_words":25,"start":247.27,"end":267.54498},{"sentences":[{"text":"Okay.","start":271.93,"end":272.43,"sentiment":"neutral","sentiment_score":-0.012615574523806572},{"text":"Oh.","start":284.33,"end":284.40997,"sentiment":"neutral","sentiment_score":-0.02921641245484352},{"text":"Actually, it's not weekly, it's not a lot.","start":284.40997,"end":289.375,"sentiment":"neutral","sentiment_score":-0.07851475290954113},{"text":"This is more calculation for annually that I did, but yep.","start":296.155,"end":308.54,"sentiment":"neutral","sentiment_score":-0.005086424845186147},{"text":"Okay.","start":308.54,"end":309.04,"sentiment":"neutral","sentiment_score":0.016228001564741135}],"sentiment":"neutral","sentiment_score":-0.03225784918124026,"num_words":22,"start":271.93,"end":309.04},{"sentences":[{"text":"So annually, all our bill subscriptions and other expenses come to 47,400.","start":309.18,"end":321.475,"sentiment":"neutral","sentiment_score":0.0045370142518853145},{"text":"Did I put the mortgage?","start":327.44,"end":328.66,"sentiment":"neutral","sentiment_score":-0.02013438455760479},{"text":"No.","start":333.04,"end":333.36002,"sentiment":"neutral","sentiment_score":-0.10235951840877532},{"text":"I didn't.","start":333.36002,"end":334.02002,"sentiment":"neutral","sentiment_score":-0.08752576261758804},{"text":"No.","start":335.92,"end":336.24,"sentiment":"neutral","sentiment_score":-0.08842972666025162}],"sentiment":"neutral","sentiment_score":-0.01962231057474301,"num_words":21,"start":309.18,"end":336.24},{"sentences":[{"text":"I didn't.","start":336.24,"end":336.9,"sentiment":"neutral","sentiment_score":-0.07459000870585442},{"text":"So the mortgage, yeah, the mortgage monthly is about 3,000 or 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me.","start":445.32,"end":448.06,"sentiment":"neutral","sentiment_score":-0.19275917383757504}],"sentiment":"neutral","sentiment_score":-0.1395220573827186,"num_words":34,"start":422.28998,"end":448.06},{"sentences":[{"text":"I do contribute.","start":453.33502,"end":454.155,"sentiment":"neutral","sentiment_score":-0.00942535512149334},{"text":"I think it's about a $140 a week that I contribute on top of.","start":454.215,"end":458.795,"sentiment":"neutral","sentiment_score":-0.017248150327109864},{"text":"So yes, it is.","start":459.575,"end":464.02,"sentiment":"neutral","sentiment_score":-0.027566398959606886},{"text":"Yep.","start":464.02,"end":464.52,"sentiment":"neutral","sentiment_score":0.010271577164530754},{"text":"No.","start":474.1,"end":474.34,"sentiment":"neutral","sentiment_score":-0.23341919481754303}],"sentiment":"neutral","sentiment_score":-0.02622449493197643,"num_words":23,"start":453.33502,"end":474.34},{"sentences":[{"text":"I don't think 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yeah.","start":504.51,"end":505.71002,"sentiment":"neutral","sentiment_score":0.18705749015013376},{"text":"That'd be great.","start":505.71002,"end":506.75,"sentiment":"positive","sentiment_score":0.4761287073294322},{"text":"And then I don't have to scramble finding it for you.","start":506.75,"end":510.51498,"sentiment":"neutral","sentiment_score":0.19062976674600082},{"text":"Because because quite honestly yeah.","start":511.535,"end":514.115,"sentiment":"neutral","sentiment_score":0.11240164786577225},{"text":"Quite honestly, off the top of my head, I just let stuff 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yeah.","start":684.765,"end":685.805,"sentiment":"neutral","sentiment_score":0.015879445088406403},{"text":"$3.80.","start":685.805,"end":686.545,"sentiment":"neutral","sentiment_score":0.087361641228199}],"sentiment":"neutral","sentiment_score":0.06883121693196396,"num_words":12,"start":664.92505,"end":686.545},{"sentences":[{"text":"Yes.","start":692.925,"end":693.245,"sentiment":"neutral","sentiment_score":0.03172113001346588},{"text":"Yep.","start":693.245,"end":693.745,"sentiment":"neutral","sentiment_score":0.014691206626594068},{"text":"Yeah.","start":698.42,"end":698.66,"sentiment":"neutral","sentiment_score":0.008499884977936745},{"text":"But that's registered to the business.","start":698.66,"end":701.56,"sentiment":"neutral","sentiment_score":-0.004047842851529519},{"text":"So Yeah.","start":701.62,"end":706.76,"sentiment":"neutral","sentiment_score":-0.01134770829230547}],"sentiment":"neutral","sentiment_score":0.0007208861749280585,"num_words":11,"start":692.925,"end":706.76},{"sentences":[{"text":"Yeah.","start":707.54,"end":707.94,"sentiment":"neutral","sentiment_score":-0.02247326634824276},{"text":"Husband's business.","start":707.94,"end":709.0,"sentiment":"neutral","sentiment_score":-0.02606853097677231},{"text":"Yeah.","start":714.535,"end":714.855,"sentiment":"neutral","sentiment_score":-0.034444261342287064},{"text":"There is.","start":714.855,"end":715.59503,"sentiment":"neutral","sentiment_score":-0.04796959459781647},{"text":"Yeah.","start":721.655,"end":721.895,"sentiment":"neutral","sentiment_score":-0.20591261982917783}],"sentiment":"neutral","sentiment_score":-0.058700914095555036,"num_words":7,"start":707.54,"end":721.895},{"sentences":[{"text":"I was gonna say that's probably not 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know.","start":843.63,"end":844.85,"sentiment":"neutral","sentiment_score":-0.030247618909925222},{"text":"What what is that for?","start":854.955,"end":856.475,"sentiment":"neutral","sentiment_score":-0.016054515540599824},{"text":"What is that information for?","start":856.475,"end":858.095,"sentiment":"neutral","sentiment_score":-0.006954098492860794},{"text":"Okay.","start":864.15497,"end":864.65497,"sentiment":"neutral","sentiment_score":0.006684560328722},{"text":"Oh, okay.","start":866.235,"end":866.97,"sentiment":"neutral","sentiment_score":0.030865397304296494}],"sentiment":"neutral","sentiment_score":-0.00985989358056994,"num_words":17,"start":843.63,"end":866.97},{"sentences":[{"text":"Yep.","start":874.25,"end":874.73,"sentiment":"neutral","sentiment_score":0.032869964838027954},{"text":"Yep.","start":874.73,"end":875.12994,"sentiment":"neutral","sentiment_score":0.022062882781028748},{"text":"Okay.","start":875.12994,"end":875.62994,"sentiment":"neutral","sentiment_score":0.01935702934861183},{"text":"No.","start":893.695,"end":894.095,"sentiment":"neutral","sentiment_score":-0.09203837811946868},{"text":"Well, we were paying taxes when you're doing, but not that's not relevant anymore.","start":894.095,"end":899.47,"sentiment":"neutral","sentiment_score":-0.1298086600644248}],"sentiment":"neutral","sentiment_score":-0.10194831900298595,"num_words":18,"start":874.25,"end":899.47},{"sentences":[{"text":"We don't have anything 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my god.","start":1093.26,"end":1094.24,"sentiment":"neutral","sentiment_score":-0.2770054241021474},{"text":"That's the well, you've been putting up with me scrambling, so that's fine.","start":1095.66,"end":1099.5,"sentiment":"neutral","sentiment_score":-0.22912130160973623},{"text":"I completely 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you.","start":1210.8201,"end":1211.64,"sentiment":"positive","sentiment_score":0.7320772409439087},{"text":"I'm not too 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again.","start":2149.655,"end":2150.455,"sentiment":"neutral","sentiment_score":-0.01120120876779159}],"sentiment":"neutral","sentiment_score":0.3213245024120337,"num_words":19,"start":2093.9749,"end":2150.455},{"sentences":[{"text":"Sorry.","start":2150.455,"end":2150.695,"sentiment":"neutral","sentiment_score":-0.050973426550626755},{"text":"I'm just trying to find the document.","start":2150.695,"end":2152.475,"sentiment":"neutral","sentiment_score":-0.046573148774249215},{"text":"I it hasn't gone.","start":2152.5352,"end":2154.475,"sentiment":"neutral","sentiment_score":-0.03978093294426799},{"text":"No.","start":2162.5898,"end":2162.91,"sentiment":"neutral","sentiment_score":-0.0694047212600708},{"text":"I can't see that.","start":2162.91,"end":2163.97,"sentiment":"neutral","sentiment_score":-0.076243806630373}],"sentiment":"neutral","sentiment_score":-0.05355818514876506,"num_words":17,"start":2150.455,"end":2163.97},{"sentences":[{"text":"I'm in IP services guide.","start":2168.43,"end":2170.99,"sentiment":"neutral","sentiment_score":-0.028459571301937103},{"text":"I just clicked next.","start":2170.99,"end":2172.21,"sentiment":"neutral","sentiment_score":-0.007691091857850552},{"text":"Mhmm.","start":2185.5852,"end":2186.0852,"sentiment":"neutral","sentiment_score":0.017955249175429344},{"text":"Okay.","start":2215.355,"end":2215.855,"sentiment":"neutral","sentiment_score":-0.007442385889589787},{"text":"There's no next.","start":2216.555,"end":2217.57,"sentiment":"neutral","sentiment_score":-0.05815378328164419}],"sentiment":"neutral","sentiment_score":-0.024072193607155765,"num_words":14,"start":2168.43,"end":2217.57},{"sentences":[{"text":"Maybe I hit the next twice previously.","start":2217.8901,"end":2223.9102,"sentiment":"neutral","sentiment_score":-0.05584184293236051},{"text":"Can I go out of the document and come back in?","start":2226.21,"end":2228.79,"sentiment":"neutral","sentiment_score":-0.02620320123704997},{"text":"Yeah.","start":2231.8901,"end":2232.3901,"sentiment":"neutral","sentiment_score":0.032595790922641754},{"text":"Okay.","start":2233.515,"end":2234.015,"sentiment":"neutral","sentiment_score":0.026991069316864017},{"text":"Let's have a look.","start":2235.755,"end":2236.815,"sentiment":"neutral","sentiment_score":0.016592882573604584}],"sentiment":"neutral","sentiment_score":-0.023048738483339548,"num_words":24,"start":2217.8901,"end":2236.815},{"sentences":[{"text":"No.","start":2239.035,"end":2239.535,"sentiment":"neutral","sentiment_score":-0.030937904492020607},{"text":"Oh, certificate of currency.","start":2240.4749,"end":2242.1748,"sentiment":"neutral","sentiment_score":-0.013002715073525906},{"text":"Yes.","start":2242.2349,"end":2242.395,"sentiment":"neutral","sentiment_score":0.0070301322266459465},{"text":"It's after that one.","start":2242.395,"end":2243.515,"sentiment":"neutral","sentiment_score":0.0022739282867405564},{"text":"Okay.","start":2243.515,"end":2244.015,"sentiment":"neutral","sentiment_score":0.03581767529249191}],"sentiment":"neutral","sentiment_score":-0.0028186585563658314,"num_words":11,"start":2239.035,"end":2244.015},{"sentences":[{"text":"Found it.","start":2247.275,"end":2248.095,"sentiment":"positive","sentiment_score":0.37095776200294495},{"text":"Yeah.","start":2269.955,"end":2270.455,"sentiment":"neutral","sentiment_score":0.0008157072588801384},{"text":"Yeah.","start":2272.115,"end":2272.435,"sentiment":"neutral","sentiment_score":0.017149552702903748},{"text":"Yeah.","start":2272.435,"end":2272.935,"sentiment":"neutral","sentiment_score":0.032181933522224426},{"text":"The consent to new ongoing fee arrangement.","start":2284.21,"end":2286.55,"sentiment":"neutral","sentiment_score":-0.050264849194458554}],"sentiment":"neutral","sentiment_score":0.036684064427390695,"num_words":12,"start":2247.275,"end":2286.55},{"sentences":[{"text":"Mhmm.","start":2294.0852,"end":2294.5852,"sentiment":"neutral","sentiment_score":0.016672346740961075},{"text":"Yep.","start":2319.865,"end":2320.365,"sentiment":"neutral","sentiment_score":-0.01508261263370514},{"text":"Yeah.","start":2325.545,"end":2326.045,"sentiment":"neutral","sentiment_score":-0.011881518177688122},{"text":"Okay.","start":2339.74,"end":2340.24,"sentiment":"neutral","sentiment_score":0.0673280656337738},{"text":"Mhmm.","start":2353.675,"end":2354.175,"sentiment":"neutral","sentiment_score":0.09529154002666472}],"sentiment":"neutral","sentiment_score":0.03046556431800127,"num_words":5,"start":2294.0852,"end":2354.175},{"sentences":[{"text":"Yep.","start":2366.28,"end":2366.6,"sentiment":"neutral","sentiment_score":0.14123749732971191},{"text":"That's fine.","start":2366.6,"end":2367.4202,"sentiment":"neutral","sentiment_score":0.2087036371231079},{"text":"Yeah.","start":2406.965,"end":2407.465,"sentiment":"neutral","sentiment_score":0.029487747699022293},{"text":"Okay.","start":2410.965,"end":2411.465,"sentiment":"neutral","sentiment_score":0.05621499940752983},{"text":"No.","start":2417.25,"end":2417.75,"sentiment":"neutral","sentiment_score":-0.07684430480003357}],"sentiment":"neutral","sentiment_score":0.09458386898040771,"num_words":6,"start":2366.28,"end":2417.75},{"sentences":[{"text":"I don't.","start":2417.81,"end":2418.47,"sentiment":"neutral","sentiment_score":-0.1241738609969616},{"text":"I'm just happy to take along as is and and stay with hub twenty four.","start":2418.53,"end":2423.89,"sentiment":"neutral","sentiment_score":-0.008612683663765589},{"text":"Thank you.","start":2423.89,"end":2424.71,"sentiment":"positive","sentiment_score":0.36754606664180756},{"text":"Yes.","start":2430.745,"end":2431.245,"sentiment":"neutral","sentiment_score":0.05234130844473839},{"text":"Annual's fine.","start":2441.19,"end":2442.41,"sentiment":"neutral","sentiment_score":0.11158226057887077}],"sentiment":"neutral","sentiment_score":0.028775453906167637,"num_words":22,"start":2417.81,"end":2442.41},{"sentences":[{"text":"But I yeah.","start":2444.55,"end":2445.51,"sentiment":"neutral","sentiment_score":0.025109210362037022},{"text":"As I as I just as I said earlier, if you can just let me know in advance exactly what figures you want, then that'll make this easier for me because, like, I don't look at this a lot as people don't.","start":2445.51,"end":2456.345,"sentiment":"neutral","sentiment_score":0.06504560084570021},{"text":"You know, it's like your power bill.","start":2456.345,"end":2457.705,"sentiment":"neutral","sentiment_score":0.003416647668927908},{"text":"You just don't look at what you're charged and then yeah.","start":2457.705,"end":2461.385,"sentiment":"neutral","sentiment_score":0.03105511461299929},{"text":"Happy just to tick along.","start":2461.385,"end":2462.765,"sentiment":"neutral","sentiment_score":0.2198338881134987}],"sentiment":"neutral","sentiment_score":0.06282257502350737,"num_words":68,"start":2444.55,"end":2462.765},{"sentences":[{"text":"So yeah.","start":2463.145,"end":2465.165,"sentiment":"neutral","sentiment_score":0.012545431032776833},{"text":"I'm so busy.","start":2465.705,"end":2466.585,"sentiment":"neutral","sentiment_score":-0.12955044706662497},{"text":"I just don't check things.","start":2466.585,"end":2467.965,"sentiment":"negative","sentiment_score":-0.3351534068584442},{"text":"Thank you.","start":2472.4001,"end":2473.2202,"sentiment":"positive","sentiment_score":0.38955458998680115},{"text":"Yeah.","start":2479.6802,"end":2480.1802,"sentiment":"neutral","sentiment_score":-0.0027265530079603195}],"sentiment":"neutral","sentiment_score":-0.09714960665083848,"num_words":13,"start":2463.145,"end":2480.1802},{"sentences":[{"text":"Yeah.","start":2483.915,"end":2484.235,"sentiment":"neutral","sentiment_score":0.015478736720979214},{"text":"I think so.","start":2484.235,"end":2485.135,"sentiment":"neutral","sentiment_score":0.025067973881959915},{"text":"We'll have to.","start":2485.595,"end":2486.315,"sentiment":"neutral","sentiment_score":0.017252192522088688},{"text":"Yep.","start":2486.315,"end":2486.815,"sentiment":"neutral","sentiment_score":0.053586892783641815},{"text":"Yeah.","start":2500.77,"end":2501.27,"sentiment":"neutral","sentiment_score":-0.03159303218126297}],"sentiment":"neutral","sentiment_score":0.01827034405950043,"num_words":9,"start":2483.915,"end":2501.27},{"sentences":[{"text":"Yeah.","start":2503.97,"end":2504.29,"sentiment":"neutral","sentiment_score":-0.04706878587603569},{"text":"I bet.","start":2504.29,"end":2505.03,"sentiment":"neutral","sentiment_score":-0.03305208869278431},{"text":"Yeah.","start":2518.445,"end":2518.945,"sentiment":"neutral","sentiment_score":0.13970401883125305},{"text":"Yep.","start":2527.96,"end":2528.46,"sentiment":"neutral","sentiment_score":0.1420855075120926},{"text":"Yeah.","start":2529.8,"end":2530.04,"sentiment":"neutral","sentiment_score":0.14386993646621704}],"sentiment":"neutral","sentiment_score":0.052081083257993065,"num_words":6,"start":2503.97,"end":2530.04},{"sentences":[{"text":"That'd be great.","start":2530.04,"end":2530.94,"sentiment":"neutral","sentiment_score":0.29393980900446576},{"text":"Yeah.","start":2547.665,"end":2548.165,"sentiment":"neutral","sentiment_score":0.008406877517700195},{"text":"It's You mean the person?","start":2562.6702,"end":2564.4648,"sentiment":"neutral","sentiment_score":-0.027388016507029534},{"text":"Yeah.","start":2566.125,"end":2566.4448,"sentiment":"neutral","sentiment_score":-0.013262201100587845},{"text":"No.","start":2566.4448,"end":2566.525,"sentiment":"neutral","sentiment_score":-0.04901781678199768}],"sentiment":"neutral","sentiment_score":0.06281874582848766,"num_words":11,"start":2530.04,"end":2566.525},{"sentences":[{"text":"That's fine.","start":2566.525,"end":2567.505,"sentiment":"neutral","sentiment_score":-0.01875980570912361},{"text":"Yes.","start":2571.6448,"end":2572.1448,"sentiment":"neutral","sentiment_score":0.09000207483768463},{"text":"Okay.","start":2581.39,"end":2581.89,"sentiment":"neutral","sentiment_score":0.2034604847431183},{"text":"Yes.","start":2590.43,"end":2590.815,"sentiment":"neutral","sentiment_score":0.20669183135032657},{"text":"Okay.","start":2596.095,"end":2596.575,"sentiment":"neutral","sentiment_score":0.21379870176315308}],"sentiment":"neutral","sentiment_score":0.11273891354600589,"num_words":6,"start":2566.525,"end":2596.575},{"sentences":[{"text":"Thank you.","start":2596.575,"end":2597.2148,"sentiment":"positive","sentiment_score":0.3891505002975464},{"text":"I appreciate that.","start":2597.2148,"end":2598.275,"sentiment":"positive","sentiment_score":0.4265179435412089},{"text":"Okay.","start":2611.2898,"end":2611.7898,"sentiment":"neutral","sentiment_score":0.02006230689585209},{"text":"Okay.","start":2615.5552,"end":2615.875,"sentiment":"neutral","sentiment_score":0.11300603300333024},{"text":"Thank you.","start":2615.875,"end":2616.435,"sentiment":"positive","sentiment_score":0.7024924159049988}],"sentiment":"positive","sentiment_score":0.39954533365865547,"num_words":9,"start":2596.575,"end":2616.435},{"sentences":[{"text":"Appreciate that.","start":2616.435,"end":2620.935,"sentiment":"positive","sentiment_score":0.602636381983757},{"text":"Yeah.","start":2624.5952,"end":2625.0952,"sentiment":"positive","sentiment_score":0.5264917612075806},{"text":"Thank you.","start":2625.635,"end":2626.455,"sentiment":"positive","sentiment_score":0.7830917239189148},{"text":"You too.","start":2628.8308,"end":2629.471,"sentiment":"positive","sentiment_score":0.46953341364860535},{"text":"Thanks, Jenna.","start":2629.471,"end":2630.3708,"sentiment":"positive","sentiment_score":0.639385849237442}],"sentiment":"positive","sentiment_score":0.6128651665316688,"num_words":9,"start":2616.435,"end":2630.3708},{"sentences":[{"text":"Bye.","start":2630.511,"end":2631.011,"sentiment":"neutral","sentiment_score":0.29108935594558716}],"sentiment":"neutral","sentiment_score":0.29108935594558716,"num_words":1,"start":2630.511,"end":2631.011}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Carrie. It's Jenna here from Financial. How are you today?\n\nChannel 1: Yeah. Didn't they tell you?\n\nChannel 0: I'm well. Just before I go any further, I just need to let you know the calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. Thank you.\n\nChannel 0: Mhmm. Yep. And I just need to confirm your full name, date of birth, and address, please.\n\nChannel 1: Carrie Capper. 91276. 62 Valley Circuit\n\nChannel 0: Beautiful. Fantastic.\n\nChannel 1: Curvy,\n\nChannel 0: Did you have\n\nChannel 1: Queensland.\n\nChannel 0: time today\n\nChannel 1: Yes.\n\nChannel 0: to\n\nChannel 1: Thank\n\nChannel 0: do your\n\nChannel 1: you.\n\nChannel 0: review? No. That's absolutely fine. I just wanted to check. I know how busy life can get, so\n\nChannel 1: Yeah.\n\nChannel 0: I completely understand.\n\nChannel 1: Well, I started doing two jobs this week, so\n\nChannel 0: Yeah.\n\nChannel 1: I didn't anticipate that I would go over time, but I did.\n\nChannel 0: That's\n\nChannel 1: Yes.\n\nChannel 0: okay. I do recall you saying that. So, hopefully, I'll I'll be able to get this done as quickly as possible\n\nChannel 1: Yep.\n\nChannel 0: for you. The first thing I'm gonna start doing is I just wanna start by confirming your personal and financial information that we have on file for you just to make\n\nChannel 1: Yep.\n\nChannel 0: sure it's up to date and current.\n\nChannel 1: Okay.\n\nChannel 0: Can I confirm that your email address is K Leak Appa oh, sorry? KLeakAppa@Gmail.com?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Sometimes\n\nChannel 1: Thank you.\n\nChannel 0: it's hard to put those emails\n\nChannel 1: I know.\n\nChannel 0: together.\n\nChannel 1: Yes.\n\nChannel 0: Alright. And I have your husband's name as William Capa?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. And he's we've got him listed as your next of kin, and his phone number still ends in 640?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And do you have any dependents?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: When\n\nChannel 0: Okay.\n\nChannel 1: you say that, you mean that are living with us?\n\nChannel 0: Living with you or children, even adult children?\n\nChannel 1: Oh, okay. So four. Three steps to do. And one child.\n\nChannel 0: Yep. And they're\n\nChannel 1: Yep.\n\nChannel 0: all adults?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Fantastic. I've got your job description here as mid administration at the Brisbane Hospital. Is that still correct?\n\nChannel 1: Yes and no. So I'm an executive assistant at\n\nChannel 0: Yep.\n\nChannel 1: Metro North Health. So yeah.\n\nChannel 0: Okay.\n\nChannel 1: But I will be going back to the executives at Royal Brisbane from December, so you might as well just leave that.\n\nChannel 0: Okay. Alright. That's fine. And it's a 100% office space? Yep.\n\nSo your employer is the Royal Brisbane Hospital.\n\nChannel 1: Yes.\n\nChannel 0: Is that\n\nChannel 1: Metro\n\nChannel 0: right?\n\nChannel 1: yeah. MetroHealth at the moment.\n\nChannel 0: And then in December, go back to Rural Brisbane, or will\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Robertson.\n\nChannel 0: still be metro? Yep.\n\nChannel 1: Robertson. Yeah.\n\nChannel 0: Okay. And how many hours per week do you work approximately?\n\nChannel 1: Thirty eight, supposedly.\n\nChannel 0: That's yeah. I understand that. So that's a full time contract.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And we have your income noted as 72. Is that still\n\nChannel 1: Actually, that changed. It's about 90 something at the moment.\n\nChannel 0: correct? Okay. Does that include super?\n\nChannel 1: Yes.\n\nChannel 0: Okay.\n\nChannel 1: I should have all this information handy, shouldn't I?\n\nChannel 0: Oh, that's okay. That's alright. And what's your expenditure per week?\n\nChannel 1: What exactly?\n\nChannel 0: Oh, like, your your living expenses, mortgage,\n\nChannel 1: Okay. I have just done a spreadsheet on that actually. So\n\nChannel 0: Oh, beautiful. I love that.\n\nChannel 1: let me just have a look. It's on my computer. And it's not happening. Okay. Oh.\n\nActually, it's not weekly, it's not a lot.\n\nChannel 0: Yep.\n\nChannel 1: This is more calculation for annually that I did, but\n\nChannel 0: That's okay. I can break that down if you like, if you just have an annual figure.\n\nChannel 1: yep. Okay. So annually, all our bill subscriptions and other expenses come to 47,400.\n\nChannel 0: And does that include mortgage?\n\nChannel 1: Did I put the mortgage? No. I didn't. No. I didn't.\n\nChannel 0: That's okay.\n\nChannel 1: So\n\nChannel 0: Do you\n\nChannel 1: the\n\nChannel 0: know\n\nChannel 1: mortgage,\n\nChannel 0: how much yep.\n\nChannel 1: yeah, the mortgage monthly is about 3,000 or 2,800.\n\nChannel 0: And do you pay extra, or is that just the minimum?\n\nChannel 1: No. That's just the minimum.\n\nChannel 0: Yep. Beautiful. Fantastic. And we had a note here that you're saving approximately 1,000 a week. Is that correct?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful. And do you get more than the 12% super guarantee, or is or do you just get the standard amount?\n\nChannel 1: I think it's 17%, actually.\n\nChannel 0: Sacrifice\n\nChannel 1: Yes.\n\nChannel 0: percentage? Yep. Do you know what your salary sacrifice percentage?\n\nChannel 1: I think it's 5%. Does that would that sound\n\nChannel 0: Yes.\n\nChannel 1: about right?\n\nChannel 0: Yep. Yep. That's absolutely fine. And do you make any other contributions to Super?\n\nChannel 1: Oh, yes. I do.\n\nChannel 0: You do? What what kind?\n\nChannel 1: Oh my god. Yeah. I'm just gonna so I can well, I contribute hang on. I'm just gonna I'm just gonna pull this up because\n\nChannel 0: No. You're absolutely fine. Please take your time.\n\nChannel 1: Does it say no. It won't. Oh god. I'm on the wrong computer. I've got a new computer, so that's not gonna help me.\n\nI do contribute. I think it's about a $140 a week that I contribute on top of. So\n\nChannel 0: And is that a sacrifice arrangement or just\n\nChannel 1: yes, it is.\n\nChannel 0: an\n\nChannel 1: Yep.\n\nChannel 0: yep. On top of the 5%? Is that right?\n\nChannel 1: No. I don't think so. I think I've steered you in the wrong direction there.\n\nChannel 0: Okay. Alright.\n\nChannel 1: Let me just I've just gotta log in.\n\nChannel 0: You're right. That's absolutely fine.\n\nChannel 1: Actually, what would be really good the next time we do this is if you can send me a list of everything that I need to have on hand before we have\n\nChannel 0: Of\n\nChannel 1: a conversation.\n\nChannel 0: course.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I can do\n\nChannel 1: So that yeah. That'd be great. And then I don't have to scramble finding it for you.\n\nChannel 0: that. I definitely\n\nChannel 1: Because\n\nChannel 0: can\n\nChannel 1: because\n\nChannel 0: make a\n\nChannel 1: quite\n\nChannel 0: note\n\nChannel 1: honestly\n\nChannel 0: of that.\n\nChannel 1: yeah. Quite honestly,\n\nChannel 0: Yeah. I\n\nChannel 1: off the top of my head, I just let stuff go.\n\nChannel 0: know. Yeah. No. I'm I'm the same. So I under I like having everything prepared, so I completely understand that.\n\nChannel 1: Okay. Alright. Just gonna pull up a payslip. It'll tell me. Yes.\n\nSo my voluntary super contribution is a $198\n\nChannel 0: Per week. Okay. And\n\nChannel 1: a\n\nChannel 0: your standard super is twelve\n\nChannel 1: week.\n\nChannel 0: or seventeen.\n\nChannel 1: I think it's 17¢.\n\nChannel 0: Yep. I can do a little bit of research and check that. That's fine. Okay. Are you do you have an EBA with your employer?\n\nChannel 1: An EBA? No.\n\nChannel 0: Yes.\n\nChannel 1: Oh,\n\nChannel 0: No.\n\nChannel 1: When you say EBA?\n\nChannel 0: Yep. So an\n\nChannel 1: What's\n\nChannel 0: EBA is a enterprise bargaining\n\nChannel 1: like\n\nChannel 0: agreement.\n\nChannel 1: a bargaining\n\nChannel 0: So\n\nChannel 1: agreement. Yes. We do. Sorry. Yes.\n\nWe\n\nChannel 0: yes.\n\nChannel 1: do.\n\nChannel 0: You do. Yep. And that's for your super, I'm assuming. Most\n\nChannel 1: For the super.\n\nChannel 0: or so you'll get the so seeing as though you get the highest super, I'm going to guess that or assume that that's in real the EBA is for your super and any other salary sacrifice arrangements you can make if there are any.\n\nChannel 1: I assume so. I thought the EBA was, like, for wages and salary across the board, not just for superannuation.\n\nChannel 0: Rates, hours of work, replace a modern award. So a modern award would be 12% super. So I suspect the super is included in that as well. So yeah. That's alright.\n\nLeave it with me. I'm gonna do a little bit more research. It's just the standard question\n\nChannel 1: Okay.\n\nChannel 0: we ask.\n\nChannel 1: Yes.\n\nChannel 0: I have moving on to assets and liabilities, I have your home valued at 900,000. Would that still be correct? Beautiful.\n\nChannel 1: I think it's 1.3 now.\n\nChannel 0: Beautiful. And we had the debt recorded as 400,000. Would that still be correct?\n\nChannel 1: Just under. So that's yeah. $3.80.\n\nChannel 0: Beautiful. And a camper trailer at 16,000?\n\nChannel 1: Yes. Yep.\n\nChannel 0: 48,000?\n\nChannel 1: Yeah. But that's registered to the business. So\n\nChannel 0: Is it is that your husband's business? Or\n\nChannel 1: Yeah.\n\nChannel 0: yep.\n\nChannel 1: Yeah. Husband's business.\n\nChannel 0: Is there any debt on that?\n\nChannel 1: Yeah. There is.\n\nChannel 0: I can it's not too important to your financial\n\nChannel 1: Yeah. I was gonna say that's probably not\n\nChannel 0: situation.\n\nChannel 1: relevant.\n\nChannel 0: It's just no. No. So I'll take that out. Have you sorry to ask this question, but have you ever been declared bankrupt?\n\nChannel 1: No.\n\nChannel 0: No. Are you still a nonsmoker? Yeah. Yeah. Do you have private health insurance?\n\nChannel 1: Yes. Yes. We do.\n\nChannel 0: And who's that with?\n\nChannel 1: Sorry. It's with NIV.\n\nChannel 0: MIB.\n\nChannel 1: So\n\nChannel 0: Thank\n\nChannel 1: I just\n\nChannel 0: you.\n\nChannel 1: found my income statement. So\n\nChannel 0: Oh, that's that's okay.\n\nChannel 1: a little late, but never.\n\nChannel 0: Absolutely fine. Did you need to update me with anything, or that's all pretty correct what you gave me?\n\nChannel 1: It's so I worked two jobs. One for Queensland Health and one for and I did and then for my husband as well.\n\nChannel 0: Yep.\n\nChannel 1: So my gross salary and wages for Queensland Health was 84 for the last financial year.\n\nChannel 0: Yep. Yep. Yep.\n\nChannel 1: And give me one sec. And for a couple of painting services was 11,000.\n\nChannel 0: Beautiful.\n\nChannel 1: So yeah. When I said that 92, that's yep.\n\nChannel 0: The two together.\n\nChannel 1: Combined.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: Yes. So not yeah. 95.\n\nChannel 0: Beautiful. Thank you for that. Do you take any medication on a regular basis? No.\n\nChannel 1: No. Only other than telepath tablets, but no.\n\nChannel 0: Beautiful. That's absolutely fine. And do you know what your height and weight is?\n\nChannel 1: Oh, yes. I do. You don't wanna know.\n\nChannel 0: Nobody ever likes sharing that information. You don't have to. Yeah. There's no absolutely no pressure.\n\nChannel 1: What what is that for? What is that information\n\nChannel 0: That's\n\nChannel 1: for?\n\nChannel 0: just if we if we go any further and we need to look at your reviewing your insurance policies, we just\n\nChannel 1: Okay.\n\nChannel 0: keep that on record.\n\nChannel 1: Oh, okay.\n\nChannel 0: But we can come back to that if we during our chat, we decide we need to review your insurance policies, but that's fine for now.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Do you have a will or power of attorney in place? No. Okay. And are you a tax resident of any other country than country than Australia?\n\nChannel 1: No. Well, we were paying taxes when you're doing, but not that's not relevant anymore.\n\nChannel 0: Okay.\n\nChannel 1: We don't have\n\nChannel 0: Beautiful.\n\nChannel 1: anything there.\n\nChannel 0: Fantastic. I'm going to jump into the goals that you had recent the last time you met for\n\nChannel 1: Yeah.\n\nChannel 0: a review. So one of the go and just to see if these are still relevant and add any more new ones in, if applicable. One of them was to go on a holiday both overseas and in Australia, pay down the mortgage, and maybe a job job change still within admin.\n\nChannel 1: Yes. All still relevant.\n\nChannel 0: All still relevant. Yep.\n\nChannel 1: Haven't eventuated,\n\nChannel 0: Go to a\n\nChannel 1: but still relevant.\n\nChannel 0: that's okay. Absolutely fine. And go on a holiday to Europe.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Have you been\n\nChannel 1: That no. That's all, by the way, so I've had too many other competing priorities this year.\n\nChannel 0: able\n\nChannel 1: So\n\nChannel 0: to do that yet? That's fine. Do you aim for next year?\n\nChannel 1: Mhmm. I don't I don't know. We'll have to review our\n\nChannel 0: Yeah.\n\nChannel 1: situation.\n\nChannel 0: Absolutely\n\nChannel 1: It would\n\nChannel 0: fine.\n\nChannel 1: be nice, but yeah. Depending on the world environment too and what happens with that.\n\nChannel 0: Yeah. Yeah. That's correct, isn't it? There's so much uncertainty out there at the moment and\n\nChannel 1: Can\n\nChannel 0: not\n\nChannel 1: can\n\nChannel 0: not\n\nChannel 1: I\n\nChannel 0: necessarily sorry?\n\nChannel 1: yeah. Sorry. Sorry. I'm just looking at my my my girl's account,\n\nChannel 0: Mhmm.\n\nChannel 1: and I just I just wanna correct my income for the last financial year because with the two combined, it's saying the total gross was 110.\n\nChannel 0: Okay.\n\nChannel 1: So that includes super and everything.\n\nChannel 0: Yep. Including super. Do you get super from your husband's business?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Beautiful. Alright. I can work\n\nChannel 1: Sorry.\n\nChannel 0: backwards with that.\n\nChannel 1: Sorry. I'm\n\nChannel 0: No.\n\nChannel 1: scrolling\n\nChannel 0: No.\n\nChannel 1: down the page.\n\nChannel 0: No. You are absolutely fine. The next part of the review is you're gonna receive an email from me very shortly. Do\n\nChannel 1: Yeah.\n\nChannel 0: you have access to your email?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. It's gonna come through from OdooSign. It just contains your review pack. So you don't have to sign anything now. You click on sign here, and it'll open the pack up, but there's there's no signatures required.\n\nWe're just gonna run it at the moment.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. So do you have that open?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Fantastic. So this is your review pack. So this is where the superannuation and insurance that we manage for you presently.\n\nSo the first one is just a very brief overview. So you've got your hub twenty four account sitting at a balance of $289,617,\n\nChannel 1: Mhmm.\n\nChannel 0: And you've got life, TPD, and income protection with Ascender. Your life insurance is $578 and 18 $578,813.\n\nChannel 1: Yep.\n\nChannel 0: Don't mind me today. I've got a case of\n\nChannel 1: Oh my god.\n\nChannel 0: thank god it's Friday.\n\nChannel 1: That's the well, you've been putting up with me scrambling, so that's fine. I completely understand.\n\nChannel 0: Oh, no. Not at all. Thank you. And then your income protection sitting at $4,148 a month should something happen that you're unable to work due to injury or illness.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now I'm just gonna double check and make sure that's sitting about right. So that some insured is sitting a bit low. Based on your income of 110, we'll actually we'll take out super. She can't insure super, so give me one moment.\n\nChannel 1: Mhmm.\n\nChannel 0: Still sitting a little bit low in relation to your income. So what that means is, essentially, if something does happen to you due to injury or illness, you're uninsured. You're only gonna get your monthly benefit of 4,100 and\n\nChannel 1: Okay.\n\nChannel 0: $48. I would need to do some proper calculations to get a better understanding of what that should be. But\n\nChannel 1: Yes.\n\nChannel 0: I just need to make you aware of that and see if that's something you wanna look at increasing or whether you're comfortable leaving it where it is.\n\nChannel 1: Okay. 4,000 a month. Like, it's less than what I earn currently. So\n\nChannel 0: Yep.\n\nChannel 1: but,\n\nChannel 0: Yep.\n\nChannel 1: I mean,\n\nChannel 0: So\n\nChannel 1: it's\n\nChannel 0: you're\n\nChannel 1: still comfortable.\n\nChannel 0: with, yeah, with income protection, you can only insure up to 70% of your income. So there's probably some leeway there and then maybe an extra thousand or so a month that you can be insured for.\n\nChannel 1: Okay.\n\nChannel 0: I'm happy to investigate it if you want. It's completely up to you.\n\nChannel 1: Yeah. If you can, that'd be great.\n\nChannel 0: Yep. I can do that. Fantastic.\n\nChannel 1: Thank you.\n\nChannel 0: And with your risk protection portfolio, there's a policy called trauma insurance. Has that been explained to you before?\n\nChannel 1: I'm not too sure. Sorry.\n\nChannel 0: No? No. That's okay. A a very brief rundown overview would be that it's a lump sum payment paid tax free if you're diagnosed with a specific in illness. Those\n\nChannel 1: Yep.\n\nChannel 0: range from cancer, heart attack, stroke, some neurological conditions. And you would be typically, how a trauma insurance policy is recommended is that we would allow or we would recommend an amount for out of pocket medical expenses, repayment of some or all debt depending on the client's wishes, and an amount for a recovery period. So, typically, with a trauma policy, it's not necessarily a terminal illness. It's something that you're probably gonna need treatment for, recovery, and that's what that policy is designed to provide for individuals. It's just help during that recuperation period and reduce the financial stress.\n\nChannel 1: Okay.\n\nChannel 0: The income protection would kick in after a thirty day wait if the doctor deems you're unable to work, but it would depend again on the type of diagnosis you received. So\n\nChannel 1: Okay.\n\nChannel 0: the with trauma insurance, it's not funded through super. It is funded through your personal cash flow. That's why the payment's tax free.\n\nChannel 1: Okay.\n\nChannel 0: So we just we just let our clients know that that policy is available. And if it's something you wanted to look into, again, I can do that for you.\n\nChannel 1: No. Let's\n\nChannel 0: It\n\nChannel 1: leave\n\nChannel 0: would\n\nChannel 1: that\n\nChannel 0: be\n\nChannel 1: for now.\n\nChannel 0: nope. That's absolutely fine. The next document along in your review pack is the performance report from hub twenty four. The overall net return, which is shown on the second page, is 5.84% for the last twelve months. Now on the first page, on the very first investment, you'll see Benelung equities fund\n\nChannel 1: Yep.\n\nChannel 0: that that returned oh, get a negative return, sorry, of 17.14%.\n\nChannel 1: Mhmm.\n\nChannel 0: At the moment, we're looking at all of our clients that are within this this\n\nChannel 1: Yeah.\n\nChannel 0: investment to look at potential alternatives for a placement as long as it\n\nChannel 1: Okay.\n\nChannel 0: fits your goals and objectives. Now\n\nChannel 1: Mhmm.\n\nChannel 0: it's not that Benelong it's not that the Australian share market performed badly itself. It's been a long investment mandate. So their mandate is that they seek companies that they feel are undervalued, and there's potential for growth within the Australian share market. Unfortunately,\n\nChannel 1: Okay.\n\nChannel 0: that mandate hasn't been successful then for about the last twelve twelve to eighteen months with the banks\n\nChannel 1: Mhmm.\n\nChannel 0: performing significantly better. So\n\nChannel 1: Yeah.\n\nChannel 0: what what we're looking to do is replace the Ben along Australian Equities Fund with an alternative.\n\nChannel 1: Good.\n\nChannel 0: And if you're happy for me to do that, I'd like to investigate that for you.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Thank you. Beautiful. And the other one that I did want to have a look at for you was the third one down, the beta bank hybrid ETF.\n\nChannel 1: Mhmm.\n\nChannel 0: The banks in Australia are changing their structure. So from January 2027, they're gonna phase out the hybrids. Now you\n\nChannel 1: Okay.\n\nChannel 0: have a significant holding in the hybrid sector,\n\nChannel 1: Mhmm.\n\nChannel 0: and what I'd like to do is rather than wait and see, I wanna be a little bit proactive in respect to looking at potentially replacing that before rather than waiting for it to phase out and see what happens. So if you're\n\nChannel 1: Yep.\n\nChannel 0: okay with that, I'd I'd like to look into that as well.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The rest of your portfolio, you is is performing quite well. You've got\n\nChannel 1: Mhmm.\n\nChannel 0: some satellite, which is what we call if we think of them as niche exposures. So you have got some global agriculture and some global cyber.\n\nChannel 1: Yeah.\n\nChannel 0: There are there are satellite investments that sit around our being like the beta Australian share fixed interest fixed interest Australian, your iShares Global, your big core investments. So they're all performing quite well. In part of my research, when I go away anyway, we'll be looking whether this portfolio remains fit for purpose and reviewing all the investments anyway. But those two I've highlighted are ones that I will definitely be taking a closer look at.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you have any questions about your portfolio?\n\nChannel 1: No. That's fine.\n\nChannel 0: No? Okay.\n\nChannel 1: I'm following that yet.\n\nChannel 0: Yep. So with your super, for example,\n\nChannel 1: Mhmm.\n\nChannel 0: what would be your goals for your super fund? What do you wanna say? What's important to you?\n\nChannel 1: Look. I just wanna see it increased. That's what I want\n\nChannel 0: Yes.\n\nChannel 1: because I think\n\nChannel 0: Yep.\n\nChannel 1: when I started this out, when I was with QSuper,\n\nChannel 0: Yep.\n\nChannel 1: the calculations were that I was gonna end up with something like $380,000 by the time I retire. But I've super said 700. So\n\nChannel 0: Yep. Yep.\n\nChannel 1: as long as it's calming, then,\n\nChannel 0: Yep.\n\nChannel 1: yeah, then\n\nChannel 0: Speaking\n\nChannel 1: I'm happy.\n\nChannel 0: of yeah. Yeah. Okay. Speaking of retirement, what's your\n\nChannel 1: Mhmm.\n\nChannel 0: your desired retirement age?\n\nChannel 1: Oh, look. Tomorrow? I'm sure you get that\n\nChannel 0: Me\n\nChannel 1: a lot.\n\nChannel 0: too.\n\nChannel 1: We're actually we're actually in the process of reviewing our mortgage structure, to be honest, and\n\nChannel 0: Yep.\n\nChannel 1: we're going to try and reduce that. At the moment, it's at nineteen years, and we're gonna try and reduce that and pay it off a lot quicker if we can. So we're looking at probably six years to pay our mortgage off and then get some investments.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. So ideally, I'm 49 now, so I'd really like to retire before I'm 60, realistically.\n\nChannel 0: Yeah. And if you were as well, preservation age for super is 60. So accessing\n\nChannel 1: Yeah.\n\nChannel 0: it, you'd be limited to 60. Is William older or younger than you?\n\nChannel 1: He's nine years older. That's why\n\nChannel 0: Yeah.\n\nChannel 1: we're\n\nChannel 0: Okay.\n\nChannel 1: looking at reducing our mortgages quickly as possible. The only because he's self employed, paid a decorator, and that's not sustainable for another ten years.\n\nChannel 0: Yep. No.\n\nChannel 1: So\n\nChannel 0: Of course.\n\nChannel 1: or 19\n\nChannel 0: So his super\n\nChannel 1: years.\n\nChannel 0: yeah. So his super would be accessible. Does he have enough in super to fund the retirement until your super comes\n\nChannel 1: No.\n\nChannel 0: accessible?\n\nChannel 1: Nope.\n\nChannel 0: No. No. Okay.\n\nChannel 1: We don't need something like 30,000 in this paper. It's ridiculous.\n\nChannel 0: Okay. So if it was before 60, how would would William retire and you continue working, how would you fund the the income need before your super was accessible?\n\nChannel 1: I have to completely working.\n\nChannel 0: Yeah. Until you got to 60.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Alright. There are obviously ways that we can look at making that happen and having funds accessible outside. But if you were to review your reduce your debt in a six year time frame,\n\nChannel 1: Mhmm.\n\nChannel 0: that would take you to 55. Sorry. I'm just\n\nChannel 1: Okay.\n\nChannel 0: I'm having a day today. So we could we could look at ins we could definitely look at ways to to build some wealth as you get that. So maybe around if you are successful in implementing a plan to pay down the debt in six years, at around\n\nChannel 1: Mhmm.\n\nChannel 0: the three year mark, we could look at potentially building some wealth outside of super to help you retire before 60 that would fund access to that would fund you until you're able to access super. So we can put that down as a future future thing to look at.\n\nChannel 1: Okay. What's that? What what would that sort of be like look like?\n\nChannel 0: Yep. So, basically, it would look like you have 24 super account, but it would be held in your personal name. So\n\nChannel 1: Oh, okay.\n\nChannel 0: which would make which you could then draw down as an income until you're able to access your super. But, again, the you know, that's gonna impact your super fund because if you do stop working, then your super contributions are gonna cease also. So we\n\nChannel 1: Yeah.\n\nChannel 0: would need to look at that, you know, when you've got a little bit more of an understanding of where you're sitting\n\nChannel 1: Yeah.\n\nChannel 0: in relation to your debt levels.\n\nChannel 1: Yes.\n\nChannel 0: So that's something we can definitely look at down the track. Are you doing that with a broker?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Beautiful. Alright. Do you have any idea when you'll know what you're gonna what your\n\nChannel 1: It's\n\nChannel 0: plans\n\nChannel 1: in the\n\nChannel 0: are\n\nChannel 1: works,\n\nChannel 0: with\n\nChannel 1: so\n\nChannel 0: that?\n\nChannel 1: I'm assuming\n\nChannel 0: Yeah.\n\nChannel 1: within the next month.\n\nChannel 0: Yeah. That's okay. Beautiful. Oh, that's a great goal to work towards.\n\nChannel 1: Yeah.\n\nChannel 0: The okay. Beautiful. I'll make a note of all that. The next document in the pack is our Vanguard index chart. So, basically, that just shows you how markets react, the volatility.\n\nIt's more of a visual tool education tool for our clients. So you are reckon you are invested presently in a growth risk profile, which\n\nChannel 1: Yes.\n\nChannel 0: what\n\nChannel 1: Yes.\n\nChannel 0: that means is 80% of your funds are invested in growth assets, 20 in defensive. So if you look at that chart down the right hand column, you'll\n\nChannel 1: Yep.\n\nChannel 0: see the top four, they're your growth assets. So that's where we have 80% of your funds invested. And the bottom two, ignore CPI, is your defensive assets. So that's where 20% of your funds sit. So\n\nChannel 1: Okay.\n\nChannel 0: you'll see that the top four has a lot more volatility\n\nChannel 1: Yeah.\n\nChannel 0: as opposed to the bottom two, and that's where the growth of your portfolio comes from. The bottom two do obviously produce a little bit of growth, but you'll see that it's minimal. They're\n\nChannel 1: Yes.\n\nChannel 0: the income producing parts of your your portfolio. So in\n\nChannel 1: Okay.\n\nChannel 0: a growth yeah. So in a growth portfolio, what we say is a minimum time frame of six years investment period.\n\nChannel 1: Mhmm.\n\nChannel 0: What that does is it allows recovery in markets. So if you look at the COVID nineteen\n\nChannel 1: Yeah.\n\nChannel 0: events on that graph, you'll see that the market absolutely plummeted\n\nChannel 1: Yeah.\n\nChannel 0: and that it does come back, but you've gotta have time. So that's why we always say a six year period. Additionally, in a growth portfolio, statistically, we'd expect a one in five year negative return.\n\nChannel 1: Okay.\n\nChannel 0: So that's to allow for those type of events where we would see statistically a negative return. That's not always the case. It could be just a low return, but that's what we'd expect in a gross investment.\n\nChannel 1: Yeah.\n\nChannel 0: And the the purpose of me talking about this is basically to make sure that you understand and you're comfortable with that. If you\n\nChannel 1: Yeah.\n\nChannel 0: wanna keep investing in that manner, you do have the time on your side with a six year period to continue in the growth\n\nChannel 1: Mhmm.\n\nChannel 0: portfolio. It's just more of a matter that, you know, our clients can pass the sleep at night test. So you're comfortable with knowing the fluctuations and volatility that can occur and understand that they will occur, but you're able to hold still and ride them out. So that's it's more about your comfort.\n\nChannel 1: So other than gross investment, what's the other options?\n\nChannel 0: Fully defensive. So\n\nChannel 1: Okay.\n\nChannel 0: you can you we would always keep an allocation to growth because you do need growth in your portfolio. But what would happen is would decrease the allocation to growth. So the next one down sits at about a 70% allocation to growth. The one below that sits at about a 50% allocation to\n\nChannel 1: Okay.\n\nChannel 0: growth and furthermore at 25%. So the more it's just gonna\n\nChannel 1: Okay.\n\nChannel 0: impact the growth of your portfolio, essentially. So I think in in all of that, there is two there's if you understand and you're happy to maintain the growth, or what we can do is complete what we call a risk profile, And it just assesses on a number of standard questions what your risk tolerance is.\n\nChannel 1: Okay. I think I'm happy with the growth.\n\nChannel 0: Yeah. We review it every year with you with your reviews anyhow.\n\nChannel 1: Yes.\n\nChannel 0: But, yeah, it's it's completely up to you as to your feelings towards risk return, basically.\n\nChannel 1: Well, I think it's tracking along quite nicely as is. So, yeah, I'm happy.\n\nChannel 0: Okay. Fantastic. That's absolutely fine. The next document over is a certificate certificate of currency. It just, again, goes back to those life cover, sums insured, and your income protection to make sure that you're comfortable with those.\n\nChannel 1: Yep.\n\nChannel 0: Yep. There's enough there to repay debt. Is that the purpose of the life policy in the TPD for you?\n\nChannel 1: Say that again. Sorry. I'm just trying to find the document. I it hasn't\n\nChannel 0: Oh, sorry.\n\nChannel 1: gone.\n\nChannel 0: Has it's it should be an ascender certificate of currency.\n\nChannel 1: No. I can't see that.\n\nChannel 0: Which ones have you which one have you got? If it's not in order, I apologize.\n\nChannel 1: I'm in IP services guide. I just clicked next.\n\nChannel 0: Yep. That's fine. I'll I'll talk to that. Hopefully, the security of currency will be next. That's our financial services guide.\n\nIt is it's in your pack and can be found on the website.\n\nChannel 1: Mhmm.\n\nChannel 0: It just explains to you who we are, who we're licensed by, that we're licensed with ASIC, the type of advice we provide and how we do it, the fees, the fee structure, and also importantly, if you don't like us or we've done something wrong, how to make a complaint for the complaint process. If you wanna hit next, let's hope that it's the certificate of currency.\n\nChannel 1: Okay. There's no next. Maybe I hit the next twice previously. Can I go out of the document and come back in?\n\nChannel 0: Yeah. Of course, you can. Yeah. See if that works.\n\nChannel 1: Yeah. Okay. Let's have a look. No. Oh, certificate of currency.\n\nYes. It's after that one. Okay.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Found\n\nChannel 0: So\n\nChannel 1: it.\n\nChannel 0: that's fantastic. That's good. I was hoping it was there and wasn't missed. This the second page just outlines outlines those levels of cover we talked about earlier. I'm gonna have a look at the income protection.\n\nBut, basically, the life and TPD cover is gonna cover the debt attached to your home and provide a little bit of surplus. Is that your intention\n\nChannel 1: Yeah.\n\nChannel 0: for those covers?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. The see, we've already talked about this. What's the next document that you have? Because it seems to be out of order.\n\nChannel 1: The consent to new ongoing fee arrangement.\n\nChannel 0: Yep. Beautiful. So that is our ongoing fee arrangement. So you would have been on one previously. What it\n\nChannel 1: Mhmm.\n\nChannel 0: is is your consent to continue. So if you wanna if you're happy to continue remaining a client of Oakview Financial, Your fee that's funded from your hub twenty four account is estimated to be $4,750 per annum. That's then it's a fixed fee. So, previously, these were a percent based fee, which\n\nChannel 1: Yep.\n\nChannel 0: meant each month, it would go up and down depending on how the portfolio reacted.\n\nChannel 1: Yeah.\n\nChannel 0: What we do now so in terms of, you know, growth, we'd get paid more. What we have the approach we've taken along with so many other advice firms in Australia is to fix that fee because\n\nChannel 1: Okay.\n\nChannel 0: to make it fair and transparent. So that fee is fixed. It would it works out to be $395.83 a month, which is funded by from your hub account. So\n\nChannel 1: Mhmm.\n\nChannel 0: if you're happy to continue being a client and, you know, paying that fee, we ask that you do sign it because we do need you to do that in order for us to continue being your adviser.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: That's\n\nChannel 0: then\n\nChannel 1: fine.\n\nChannel 0: the next document is the authority that we hold your tax file number. So the we do have that on file from when we set that up with hub twenty four For privacy purposes, we do ask and just make sure that our clients are aware that we do hold that number, your tax number on file and your signatures just acknowledging that, you know, where that you're comfortable with that, you're aware of it. And the reason being is we don't want your fund super taxed at a higher rate if we don't provide it.\n\nChannel 1: Yeah.\n\nChannel 0: So that's the purpose of that document.\n\nChannel 1: Okay.\n\nChannel 0: After that mouthful, do you have any questions?\n\nChannel 1: No. I don't. I'm just happy\n\nChannel 0: No.\n\nChannel 1: to take along as is and and stay with hub twenty four. Thank you.\n\nChannel 0: Fantastic. I have two questions, only two.\n\nChannel 1: Yes.\n\nChannel 0: Sorry. Very, very quick ones, and they should be yes or no. Review frequency. Are you happy to have your reviews annually, or would you like them more frequent?\n\nChannel 1: Annual's fine.\n\nChannel 0: Yep. And the\n\nChannel 1: But\n\nChannel 0: last\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: yeah. As I\n\nChannel 0: yep.\n\nChannel 1: as I just as I said earlier, if you can just let me know in advance exactly what figures you want, then that'll make this easier for me because, like, I don't look at this a lot as people\n\nChannel 0: Yeah.\n\nChannel 1: don't. You know, it's like your power bill. You just don't\n\nChannel 0: Just\n\nChannel 1: look at what you're\n\nChannel 0: pay\n\nChannel 1: charged\n\nChannel 0: it and\n\nChannel 1: and\n\nChannel 0: do\n\nChannel 1: then yeah. Happy just to tick\n\nChannel 0: yeah.\n\nChannel 1: along.\n\nChannel 0: I get it.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah. I'm so\n\nChannel 0: Alright.\n\nChannel 1: busy. I just don't check things.\n\nChannel 0: No. I completely understand, and I'll make a note of that definitely.\n\nChannel 1: Thank you.\n\nChannel 0: And the last one is sorry, but I know you don't have any estate planning documents in place.\n\nChannel 1: Yeah.\n\nChannel 0: Is it something you and William are gonna look at?\n\nChannel 1: Yeah. I think so. We'll have\n\nChannel 0: Yeah.\n\nChannel 1: to. Yep.\n\nChannel 0: Yeah. Just given that you guys have a blended family, it is probably something that you do need to look at to make sure that your wishes are adhered to and met.\n\nChannel 1: Yeah.\n\nChannel 0: I've seen some doozies in my time, to be\n\nChannel 1: Yeah.\n\nChannel 0: honest\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: bet.\n\nChannel 0: you. What we do have a professional partner that we work with that does do this at quite a reasonable price, to be honest with you, compared to some that I've seen in my lifetime. What\n\nChannel 1: Yeah.\n\nChannel 0: I can do is send a brochure through to you if you like to have a look. And if it's something that you're interested in, I can organize an introduction for\n\nChannel 1: Yep.\n\nChannel 0: you and William.\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: But given that you guys do have a blended family, I think it is and the fact that your beneficiary nominations are set up to go to your estate, so without having a will all your super and life insurance is gonna go to your estate, and you don't have a will.\n\nChannel 1: Yeah.\n\nChannel 0: So probably something that we need to look at. In the meantime, did you wanna change that beneficiary nomination, or are you what what are your\n\nChannel 1: It's\n\nChannel 0: thoughts?\n\nChannel 1: You mean the person?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: So do you wanna leave it to your estate?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Alright. Beautiful. I'm gonna send you through some information on the wills and power of attorney and our our professional partner anyway, and\n\nChannel 1: Okay.\n\nChannel 0: they can all do that via phone and whatever means is necessary to help you through that process as well. So\n\nChannel 1: Yes.\n\nChannel 0: I will send that through to you to look at, and you can let me know if you want me to arrange an introduction.\n\nChannel 1: Okay. Thank you. I appreciate that.\n\nChannel 0: That's That's absolutely fine. Absolutely fine. If you have any questions at all, Kerry, please give me a call. I'm gonna go do some research, and you'll I will probably reach out to you in the next two weeks or so to set\n\nChannel 1: Okay.\n\nChannel 0: up a time just to run through any changes I've\n\nChannel 1: Okay. Thank you. Appreciate\n\nChannel 0: recommended. Beautiful. Well, I hope your day gets quicker\n\nChannel 1: that.\n\nChannel 0: for you and ends, and it's quicker to the weekend.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Have a good day.\n\nChannel 1: You too. Thanks, Jenna.\n\nChannel 0: Okay.\n\nChannel 1: Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.04238523170351982}],"sentiment":"neutral","sentiment_score":0.04238523170351982,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Hi, Carrie.","start":2.72,"end":3.36,"sentiment":"neutral","sentiment_score":0.19807038456201553},{"text":"It's Jenna here from Financial.","start":3.36,"end":6.02,"sentiment":"neutral","sentiment_score":0.25668157637119293},{"text":"How are you today?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.29035400971770287}],"sentiment":"neutral","sentiment_score":0.2582695172591643,"channel":0,"num_words":11,"start":2.72,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.68,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.06430573016405106},{"text":"Didn't they tell 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manage for you presently.","start":1060.3501,"end":1066.305,"sentiment":"neutral","sentiment_score":0.19641911930271558}],"sentiment":"neutral","sentiment_score":0.16969273628100104,"channel":0,"num_words":23,"start":1056.5901,"end":1066.305},{"sentences":[{"text":"So the first one is just a very brief overview.","start":1067.005,"end":1069.645,"sentiment":"neutral","sentiment_score":0.15234672874212266},{"text":"So you've got your hub twenty four account sitting at a balance of $289,617,","start":1069.645,"end":1076.305,"sentiment":"neutral","sentiment_score":0.09807231756193298}],"sentiment":"neutral","sentiment_score":0.12068665555367868,"channel":0,"num_words":24,"start":1067.005,"end":1076.305},{"sentences":[{"text":"Mhmm.","start":1076.85,"end":1077.225,"sentiment":"neutral","sentiment_score":0.055120933800935745}],"sentiment":"neutral","sentiment_score":0.055120933800935745,"channel":1,"num_words":1,"start":1076.85,"end":1077.225},{"sentences":[{"text":"And you've got life, TPD, and income protection with Ascender.","start":1077.9299,"end":1081.71,"sentiment":"neutral","sentiment_score":0.06661287769675255},{"text":"Your life insurance is $578 and 18 $578,813.","start":1082.09,"end":1090.0299,"sentiment":"neutral","sentiment_score":0.05187558941543102}],"sentiment":"neutral","sentiment_score":0.06006297179394298,"channel":0,"num_words":18,"start":1077.9299,"end":1090.0299},{"sentences":[{"text":"Yep.","start":1089.8201,"end":1090.3201,"sentiment":"neutral","sentiment_score":0.027896303683519363}],"sentiment":"neutral","sentiment_score":0.027896303683519363,"channel":1,"num_words":1,"start":1089.8201,"end":1090.3201},{"sentences":[{"text":"Don't mind me today.","start":1090.33,"end":1091.5299,"sentiment":"neutral","sentiment_score":-0.05761301494203508},{"text":"I've got a case 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understand.","start":1099.5,"end":1100.64,"sentiment":"neutral","sentiment_score":0.056945979595184326}],"sentiment":"neutral","sentiment_score":-0.17548368638381362,"channel":1,"num_words":16,"start":1095.66,"end":1100.64},{"sentences":[{"text":"Oh, no.","start":1100.355,"end":1100.755,"sentiment":"neutral","sentiment_score":-0.17340172082185745},{"text":"Not at all.","start":1100.755,"end":1101.655,"sentiment":"neutral","sentiment_score":-0.2221562067667643},{"text":"Thank you.","start":1101.9551,"end":1102.595,"sentiment":"neutral","sentiment_score":0.05142810195684433},{"text":"And then your income protection sitting at $4,148 a month should something happen that you're unable to work due to injury or 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introduction.","start":2590.59,"end":2595.01,"sentiment":"neutral","sentiment_score":0.2145539658764998}],"sentiment":"neutral","sentiment_score":0.2145539658764998,"channel":0,"num_words":24,"start":2590.59,"end":2595.01},{"sentences":[{"text":"Okay.","start":2596.095,"end":2596.575,"sentiment":"neutral","sentiment_score":0.21379870176315308},{"text":"Thank you.","start":2596.575,"end":2597.2148,"sentiment":"positive","sentiment_score":0.3891505002975464},{"text":"I appreciate that.","start":2597.2148,"end":2598.275,"sentiment":"positive","sentiment_score":0.4265179435412089}],"sentiment":"positive","sentiment_score":0.37860892216364544,"channel":1,"num_words":6,"start":2596.095,"end":2598.275},{"sentences":[{"text":"That's That's absolutely fine.","start":2598.83,"end":2600.405,"sentiment":"positive","sentiment_score":0.3844761252403259},{"text":"Absolutely fine.","start":2600.405,"end":2601.365,"sentiment":"positive","sentiment_score":0.4029310941696167},{"text":"If you have any questions at all, Kerry, please give me a call.","start":2601.365,"end":2604.485,"sentiment":"neutral","sentiment_score":0.23235182578747088},{"text":"I'm gonna go do some research, and you'll I will probably reach out to you in the next two weeks or so to set","start":2604.485,"end":2611.445,"sentiment":"neutral","sentiment_score":0.07503711711615324}],"sentiment":"neutral","sentiment_score":0.1666332845424497,"channel":0,"num_words":43,"start":2598.83,"end":2611.445},{"sentences":[{"text":"Okay.","start":2611.2898,"end":2611.7898,"sentiment":"neutral","sentiment_score":0.02006230689585209}],"sentiment":"neutral","sentiment_score":0.02006230689585209,"channel":1,"num_words":1,"start":2611.2898,"end":2611.7898},{"sentences":[{"text":"up a time just to run through any changes I've","start":2611.445,"end":2614.49,"sentiment":"neutral","sentiment_score":0.04527468103915453}],"sentiment":"neutral","sentiment_score":0.04527468103915453,"channel":0,"num_words":10,"start":2611.445,"end":2614.49},{"sentences":[{"text":"Okay.","start":2615.5552,"end":2615.875,"sentiment":"neutral","sentiment_score":0.11300603300333024},{"text":"Thank you.","start":2615.875,"end":2616.435,"sentiment":"positive","sentiment_score":0.7024924159049988},{"text":"Appreciate","start":2616.435,"end":2616.935,"sentiment":"positive","sentiment_score":0.7284223437309265}],"sentiment":"positive","sentiment_score":0.5616033021360636,"channel":1,"num_words":4,"start":2615.5552,"end":2616.935},{"sentences":[{"text":"recommended.","start":2617.83,"end":2617.99,"sentiment":"positive","sentiment_score":0.7425203323364258},{"text":"Beautiful.","start":2617.99,"end":2618.47,"sentiment":"positive","sentiment_score":0.8000742793083191},{"text":"Well, I hope your day gets quicker","start":2618.47,"end":2620.79,"sentiment":"positive","sentiment_score":0.6531092694827488}],"sentiment":"positive","sentiment_score":0.6793732775582207,"channel":0,"num_words":9,"start":2617.83,"end":2620.79},{"sentences":[{"text":"that.","start":2620.435,"end":2620.935,"sentiment":"positive","sentiment_score":0.4768504202365875}],"sentiment":"positive","sentiment_score":0.4768504202365875,"channel":1,"num_words":1,"start":2620.435,"end":2620.935},{"sentences":[{"text":"for you and ends, and it's quicker to the weekend.","start":2620.79,"end":2624.041,"sentiment":"positive","sentiment_score":0.542495858669281}],"sentiment":"positive","sentiment_score":0.542495858669281,"channel":0,"num_words":10,"start":2620.79,"end":2624.041},{"sentences":[{"text":"Yeah.","start":2624.5952,"end":2625.0952,"sentiment":"positive","sentiment_score":0.5264917612075806},{"text":"Thank you.","start":2625.635,"end":2626.455,"sentiment":"positive","sentiment_score":0.7830917239189148}],"sentiment":"positive","sentiment_score":0.6975584030151367,"channel":1,"num_words":3,"start":2624.5952,"end":2626.455},{"sentences":[{"text":"Have a good day.","start":2627.461,"end":2628.601,"sentiment":"positive","sentiment_score":0.7159082889556885}],"sentiment":"positive","sentiment_score":0.7159082889556885,"channel":0,"num_words":4,"start":2627.461,"end":2628.601},{"sentences":[{"text":"You too.","start":2628.8308,"end":2629.471,"sentiment":"positive","sentiment_score":0.46953341364860535},{"text":"Thanks, Jenna.","start":2629.471,"end":2630.3708,"sentiment":"positive","sentiment_score":0.639385849237442}],"sentiment":"positive","sentiment_score":0.5544596314430237,"channel":1,"num_words":4,"start":2628.8308,"end":2630.3708},{"sentences":[{"text":"Okay.","start":2630.181,"end":2630.681,"sentiment":"positive","sentiment_score":0.3873262405395508}],"sentiment":"positive","sentiment_score":0.3873262405395508,"channel":0,"num_words":1,"start":2630.181,"end":2630.681},{"sentences":[{"text":"Bye.","start":2630.511,"end":2631.011,"sentiment":"neutral","sentiment_score":0.29108935594558716}],"sentiment":"neutral","sentiment_score":0.29108935594558716,"channel":1,"num_words":1,"start":2630.511,"end":2631.011},{"sentences":[{"text":"Thank you.","start":2631.221,"end":2631.861,"sentiment":"positive","sentiment_score":0.6321034133434296},{"text":"Bye.","start":2631.861,"end":2632.361,"sentiment":"neutral","sentiment_score":-0.1183466613292694}],"sentiment":"positive","sentiment_score":0.3819533884525299,"channel":0,"num_words":3,"start":2631.221,"end":2632.361}]},"summary":{"result":"success","short":"A representative from Financial confirms personal and financial information with a customer and provides a paycheck list. They discuss the customer's monthly income, contributions to Super, health insurance, and medication. They also review the customer's financial information and goals for retirement. The speaker provides information on their retirement savings and goals for their super fund and discusses the importance of building wealth outside of the super for retirement savings. They also provide details on their risk protection policies and offer to provide a brochure and introduction for the customer to review. The speaker emphasizes the importance of maintaining a risk profile and maintaining a focus on growth in the portfolio."},"intents":{"segments":[{"text":"And I just need to confirm your full name, date of birth, and address, please. Carrie Capper.","start_word":49,"end_word":65,"intents":[{"intent":"Confirm information","confidence_score":0.08940216}]},{"text":"review? No.","start_word":85,"end_word":86,"intents":[{"intent":"Schedule review","confidence_score":0.0053171855}]},{"text":"And it's a 100% office space? Yep. So your employer is the Royal Brisbane Hospital. Yes. Is that Metro right? yeah.","start_word":364,"end_word":384,"intents":[{"intent":"Confirm location","confidence_score":0.032749537}]},{"text":"And how many hours per week do you work approximately?","start_word":410,"end_word":419,"intents":[{"intent":"Report time","confidence_score":0.000014179786}]},{"text":"And we have your income noted as 72. Is that still Actually, that changed.","start_word":437,"end_word":450,"intents":[{"intent":"Clarify income","confidence_score":0.020285038}]},{"text":"And we have your income noted as 72. Is that still Actually, that changed. It's about 90 something at the moment. correct? Okay.","start_word":437,"end_word":459,"intents":[{"intent":"Explain deductions","confidence_score":0.00009139427}]},{"text":"Did I put the mortgage? No. I didn't.","start_word":582,"end_word":589,"intents":[{"intent":"Confirm mortgage","confidence_score":0.011890753}]},{"text":"Do you know what your salary sacrifice percentage?","start_word":681,"end_word":688,"intents":[{"intent":"Check employee contribution","confidence_score":0.0000050164494}]},{"text":"Are you do you have an EBA with your employer? An EBA?","start_word":1010,"end_word":1021,"intents":[{"intent":"Verify identity","confidence_score":0.0048288275}]},{"text":"just if we if we go any further and we need to look at your reviewing your insurance policies, we just Okay. keep that on record. Oh, okay. But we can come back to that if we during our chat, we decide we need to review your insurance policies, but that's fine for now. Yep.","start_word":1528,"end_word":1582,"intents":[{"intent":"Evaluate insurance policies","confidence_score":0.0025934558}]},{"text":"So one of the go and just to see if these are still relevant and add any more new ones in, if applicable. One of them was to go on a holiday both overseas and in Australia, pay down the mortgage, and maybe a job job change still within admin. Yes.","start_word":1656,"end_word":1706,"intents":[{"intent":"Review goals and objectives","confidence_score":0.005080149}]},{"text":"I'm just looking at my my my girl's account, Mhmm. and I just I just wanna correct my income for the last financial year because with the two combined, it's saying the total gross was 110. Okay.","start_word":1827,"end_word":1863,"intents":[{"intent":"Correct income","confidence_score":0.43845722}]},{"text":"The next part of the review is you're gonna receive an email from me very shortly. Do Yeah.","start_word":1906,"end_word":1923,"intents":[{"intent":"Receive review pack","confidence_score":0.27108556}]},{"text":"So the first one is just a very brief overview.","start_word":2010,"end_word":2019,"intents":[{"intent":"Provide overview","confidence_score":0.097753055}]},{"text":"And then your income protection sitting at $4,148 a month should something happen that you're unable to work due to injury or illness. Yeah.","start_word":2093,"end_word":2116,"intents":[{"intent":"Inquire about income protection","confidence_score":0.012810074}]},{"text":"Now I'm just gonna double check and make sure that's sitting about right. So that some insured is sitting a bit low. Based on your income of 110, we'll actually we'll take out super. She can't insure super, so give me one moment.","start_word":2118,"end_word":2160,"intents":[{"intent":"Verify insurance coverage","confidence_score":0.033825442}]},{"text":"So that some insured is sitting a bit low. Based on your income of 110, we'll actually we'll take out super.","start_word":2131,"end_word":2151,"intents":[{"intent":"Take out super","confidence_score":0.0022415956}]},{"text":"I would need to do some proper calculations to get a better understanding of what that should be. But Yes.","start_word":2204,"end_word":2223,"intents":[{"intent":"Assist with calculations","confidence_score":0.005166654}]},{"text":"I'm happy to investigate it if you want. It's completely up to you. Yeah.","start_word":2313,"end_word":2326,"intents":[{"intent":"Investigate","confidence_score":0.07957116}]},{"text":"If you can, that'd be great. Yep. I can do that. Fantastic. Thank you.","start_word":2328,"end_word":2341,"intents":[{"intent":"Request feedback","confidence_score":0.0002262023}]},{"text":"And with your risk protection portfolio, there's a policy called trauma insurance. Has that been explained to you before?","start_word":2341,"end_word":2359,"intents":[{"intent":"Provide information","confidence_score":0.26005962},{"intent":"Propose policy","confidence_score":0.0011740465},{"intent":"Explain policy","confidence_score":0.21199809},{"intent":"Explain policy","confidence_score":0.19140226}]},{"text":"It's been a long investment mandate. So their mandate is that they seek companies that they feel are undervalued, and there's potential for growth within the Australian share market. Unfortunately, Okay.","start_word":2711,"end_word":2741,"intents":[{"intent":"Resolve investment mandate","confidence_score":0.00075292634}]},{"text":"what what we're looking to do is replace the Ben along Australian Equities Fund with an alternative. Good. And if you're happy for me to do that, I'd like to investigate that for you. Yeah.","start_word":2766,"end_word":2800,"intents":[{"intent":"Investigate alternative investments","confidence_score":0.17484772}]},{"text":"The rest of your portfolio, you is is performing quite well. You've got Mhmm. some satellite, which is what we call if we think of them as niche exposures. So you have got some global agriculture and some global cyber. Yeah.","start_word":2920,"end_word":2960,"intents":[{"intent":"Identify potential portfolio gaps","confidence_score":0.000015956495}]},{"text":"So with your super, for example, Mhmm. what would be your goals for your super fund?","start_word":3057,"end_word":3072,"intents":[{"intent":"Increase super fund goals","confidence_score":0.10281616}]},{"text":"So if it was before 60, how would would William retire and you continue working, how would you fund the the income need before your super was accessible?","start_word":3370,"end_word":3397,"intents":[{"intent":"Arrange retirement","confidence_score":0.0006747849}]},{"text":"But if you were to review your reduce your debt in a six year time frame, Mhmm. that would take you to 55. Sorry.","start_word":3428,"end_word":3451,"intents":[{"intent":"Review debt","confidence_score":0.0542349}]},{"text":"So maybe around if you are successful in implementing a plan to pay down the debt in six years, at around Mhmm. the three year mark, we could look at potentially building some wealth outside of super to help you retire before 60 that would fund access to that would fund you until you're able to access super. So we can put that down as a future future thing to look at. Okay.","start_word":3483,"end_word":3555,"intents":[{"intent":"Create super plan","confidence_score":0.00007365835}]},{"text":"So, basically, it would look like you have 24 super account, but it would be held in your personal name. So Oh, okay.","start_word":3569,"end_word":3591,"intents":[{"intent":"Determine personal assets","confidence_score":0.000019478162}]},{"text":"which would make which you could then draw down as an income until you're able to access your super. But, again, the you know, that's gonna impact your super fund because if you do stop working, then your super contributions are gonna cease also. So we Yeah.","start_word":3592,"end_word":3638,"intents":[{"intent":"Assess super fund impact","confidence_score":0.00046234182}]},{"text":"So that's something we can definitely look at down the track. Are you doing that with a broker? Yes. Yeah. Okay.","start_word":3669,"end_word":3689,"intents":[{"intent":"Consider broker involvement","confidence_score":0.008193052}]},{"text":"within the next month. Yeah.","start_word":3717,"end_word":3721,"intents":[{"intent":"Consider future plans","confidence_score":0.0039639007}]},{"text":"I'll make a note of all that.","start_word":3737,"end_word":3743,"intents":[{"intent":"Make note","confidence_score":0.1519195}]},{"text":"So you are reckon you are invested presently in a growth risk profile, which Yes.","start_word":3777,"end_word":3791,"intents":[{"intent":"Demonstrate portfolio growth","confidence_score":0.0019965502}]},{"text":"you can you we would always keep an allocation to growth because you do need growth in your portfolio. But what would happen is would decrease the allocation to growth. So the next one down sits at about a 70% allocation to growth. The one below that sits at about a 50% allocation to Okay. growth and furthermore at 25%. So the more it's just gonna Okay. impact the growth of your portfolio, essentially.","start_word":4164,"end_word":4237,"intents":[{"intent":"Evaluate portfolio growth","confidence_score":0.12864557}]},{"text":"What we do now so in terms of, you know, growth, we'd get paid more. What we have the approach we've taken along with so many other advice firms in Australia is to fix that fee because Okay.","start_word":4804,"end_word":4841,"intents":[{"intent":"Fix fee","confidence_score":0.882583}]},{"text":"the next document is the authority that we hold your tax file number.","start_word":4915,"end_word":4927,"intents":[{"intent":"Hold tax file number","confidence_score":0.34745356}]},{"text":"the next document is the authority that we hold your tax file number. So the we do have that on file from when we set that up with hub twenty four For privacy purposes, we do ask and just make sure that our clients are aware that we do hold that number, your tax number on file and your signatures just acknowledging that, you know, where that you're comfortable with that, you're aware of it.","start_word":4915,"end_word":4989,"intents":[{"intent":"Obtain tax number","confidence_score":0.0045684106}]},{"text":"After that mouthful, do you have any questions? No. I don't.","start_word":5020,"end_word":5030,"intents":[{"intent":"Ask questions","confidence_score":0.06671741}]},{"text":"Are you happy to have your reviews annually, or would you like them more frequent?","start_word":5071,"end_word":5085,"intents":[{"intent":"Have reviews","confidence_score":0.04428259}]},{"text":"Is it something you and William are gonna look at? Yeah.","start_word":5217,"end_word":5227,"intents":[{"intent":"Schedule appointment","confidence_score":0.0028714025}]},{"text":"Just given that you guys have a blended family, it is probably something that you do need to look at to make sure that your wishes are adhered to and met. Yeah.","start_word":5237,"end_word":5268,"intents":[{"intent":"Discuss wishes","confidence_score":0.00271612}]},{"text":"I can do is send a brochure through to you if you like to have a look. And if it's something that you're interested in, I can organize an introduction for Yep. you and William.","start_word":5320,"end_word":5354,"intents":[{"intent":"Provide introduction","confidence_score":0.00024819974}]},{"text":"I'm gonna send you through some information on the wills and power of attorney and our our professional partner anyway, and Okay. they can all do that via phone and whatever means is necessary to help you through that process as well. So Yes.","start_word":5462,"end_word":5505,"intents":[{"intent":"Provide information","confidence_score":0.0787973}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Carrie. It's Jenna here from Financial. How are you today? Yeah. Didn't they tell you? I'm well. Just before I go any further, I just need to let you know the calls are recorded for quality and coaching purposes. Is that okay? Yep. Thank you. Mhmm. Yep. And I just need to confirm your full name, date of birth, and address, please. Carrie Capper. 91276. 62 Valley Circuit Beautiful.","start_word":0,"end_word":70,"sentiment":"neutral","sentiment_score":0.10331293195486067},{"text":"Fantastic.","start_word":71,"end_word":71,"sentiment":"positive","sentiment_score":0.6602046489715576},{"text":"Curvy, Did you have Queensland. time today Yes. to Thank do your you. review? No. That's absolutely fine. I just wanted to check. I know how busy life can get, so Yeah. I completely understand. Well, I started doing two jobs this week, so Yeah. I didn't anticipate that I would go over time, but I did. That's Yes. okay. I do recall you saying that. So, hopefully, I'll I'll be able to get this done as quickly as possible Yep. for you. The first thing I'm gonna start doing is I just wanna start by confirming your personal and financial information that we have on file for you just to make Yep. sure it's up to date and current. Okay. Can I confirm that your email address is K Leak Appa oh, sorry? KLeakAppa@Gmail.com? Yes. Yep. Sometimes Thank you. it's hard to put those emails I know. together. Yes. Alright. And I have your husband's name as William Capa? Yes. Correct. Yep. And he's we've got him listed as your next of kin, and his phone number still ends in 640? Yes. Yep. And do you have any dependents? No. No. When Okay. you say that, you mean that are living with us? Living with you or children, even adult children? Oh, okay. So four. Three steps to do. And one child. Yep. And they're Yep. all adults? Yeah. Yep.","start_word":72,"end_word":302,"sentiment":"neutral","sentiment_score":0.03579870983958244},{"text":"Beautiful. Fantastic.","start_word":303,"end_word":304,"sentiment":"positive","sentiment_score":0.4653221666812897},{"text":"I've got your job description here as mid administration at the Brisbane Hospital. Is that still correct? Yes and no. So I'm an executive assistant at Yep. Metro North Health. So yeah. Okay. But I will be going back to the executives at Royal Brisbane from December, so you might as well just leave that. Okay. Alright. That's fine. And it's a 100% office space? Yep. So your employer is the Royal Brisbane Hospital. Yes. Is that Metro right? yeah. MetroHealth at the moment. And then in December, go back to Rural Brisbane, or will Yeah. it Robertson. still be metro? Yep. Robertson. Yeah. Okay. And how many hours per week do you work approximately? Thirty eight, supposedly. That's yeah. I understand that. So that's a full time contract. Yes. Yep. Beautiful. And we have your income noted as 72. Is that still Actually, that changed. It's about 90 something at the moment. correct? Okay. Does that include super? Yes. Okay. I should have all this information handy, shouldn't I? Oh, that's okay. That's alright. And what's your expenditure per week? What exactly? Oh, like, your your living expenses, mortgage, Okay. I have just done a spreadsheet on that actually. So Oh, beautiful.","start_word":305,"end_word":507,"sentiment":"neutral","sentiment_score":0.04398306591316984},{"text":"I love that.","start_word":508,"end_word":510,"sentiment":"positive","sentiment_score":0.49028417468070984},{"text":"let me just have a look. It's on my computer. And it's not happening. Okay. Oh. Actually, it's not weekly, it's not a lot. Yep. This is more calculation for annually that I did, but That's okay. I can break that down if you like, if you just have an annual figure. yep. Okay. So annually, all our bill subscriptions and other expenses come to 47,400. And does that include mortgage? Did I put the mortgage? No. I didn't. No. I didn't. That's okay. So Do you the know mortgage, how much yep. yeah, the mortgage monthly is about 3,000 or 2,800. And do you pay extra, or is that just the minimum? No. That's just the minimum. Yep.","start_word":511,"end_word":629,"sentiment":"neutral","sentiment_score":-0.010245838202536106},{"text":"Beautiful. Fantastic.","start_word":630,"end_word":631,"sentiment":"positive","sentiment_score":0.5737318992614746},{"text":"And we had a note here that you're saving approximately 1,000 a week. Is that correct? Yeah. Yep. Yep.","start_word":632,"end_word":650,"sentiment":"neutral","sentiment_score":0.17300133407115936},{"text":"Beautiful.","start_word":651,"end_word":651,"sentiment":"positive","sentiment_score":0.7373411655426025},{"text":"And do you get more than the 12% super guarantee, or is or do you just get the standard amount? I think it's 17%, actually. Sacrifice Yes. percentage? Yep. Do you know what your salary sacrifice percentage? I think it's 5%. Does that would that sound Yes. about right? Yep. Yep.","start_word":652,"end_word":702,"sentiment":"neutral","sentiment_score":0.050788573920726776},{"text":"That's absolutely fine.","start_word":703,"end_word":705,"sentiment":"positive","sentiment_score":0.5294981002807617},{"text":"And do you make any other contributions to Super? Oh, yes. I do. You do? What what kind? Oh my god. Yeah. I'm just gonna so I can well, I contribute hang on. I'm just gonna I'm just gonna pull this up because No. You're absolutely fine. Please take your time. Does it say no. It won't. Oh god. I'm on the wrong computer. I've got a new computer, so that's not gonna help me. I do contribute. I think it's about a $140 a week that I contribute on top of. So And is that a sacrifice arrangement or just yes, it is. an Yep. yep. On top of the 5%? Is that right? No. I don't think so.","start_word":706,"end_word":825,"sentiment":"neutral","sentiment_score":-0.05321041867136955},{"text":"I think I've steered you in the wrong direction there.","start_word":826,"end_word":835,"sentiment":"negative","sentiment_score":-0.3826631009578705},{"text":"Okay. Alright. Let me just I've just gotta log in. You're right. That's absolutely fine. Actually, what would be really good the next time we do this is if you can send me a list of everything that I need to have on hand before we have Of a conversation. course. Yeah. Yeah. I can do So that yeah.","start_word":836,"end_word":894,"sentiment":"neutral","sentiment_score":0.13234218955039978},{"text":"That'd be great.","start_word":895,"end_word":897,"sentiment":"positive","sentiment_score":0.4745131433010102},{"text":"And then I don't have to scramble finding it for you. that. I definitely Because can because make a quite note honestly of that. yeah. Quite honestly, Yeah. I off the top of my head, I just let stuff go. know. Yeah. No. I'm I'm the same. So I under I like having everything prepared, so I completely understand that. Okay. Alright. Just gonna pull up a payslip. It'll tell me. Yes. So my voluntary super contribution is a $198 Per week. Okay. And a your standard super is twelve week. or seventeen. I think it's 17<unk>. Yep. I can do a little bit of research and check that. That's fine. Okay. Are you do you have an EBA with your employer? An EBA? No. Yes. Oh, No. When you say EBA? Yep. So an What's EBA is a enterprise bargaining like agreement. a bargaining So agreement. Yes. We do. Sorry. Yes. We yes. do. You do. Yep. And that's for your super, I'm assuming. Most For the super. or so you'll get the so seeing as though you get the highest super, I'm going to guess that or assume that that's in real the EBA is for your super and any other salary sacrifice arrangements you can make if there are any. I assume so. I thought the EBA was, like, for wages and salary across the board, not just for superannuation. Rates, hours of work, replace a modern award. So a modern award would be 12% super. So I suspect the super is included in that as well. So yeah. That's alright. Leave it with me. I'm gonna do a little bit more research. It's just the standard question Okay. we ask. Yes. I have moving on to assets and liabilities, I have your home valued at 900,000. Would that still be correct? Beautiful. I think it's 1.3 now. Beautiful. And we had the debt recorded as 400,000. Would that still be correct? Just under. So that's yeah. $3.80. Beautiful. And a camper trailer at 16,000? Yes. Yep. 48,000? Yeah. But that's registered to the business. So Is it is that your husband's business? Or Yeah. yep. Yeah. Husband's business. Is there any debt on that? Yeah. There is. I can it's not too important to your financial Yeah. I was gonna say that's probably not situation. relevant. It's just no. No. So I'll take that out. Have you sorry to ask this question, but have you ever been declared bankrupt? No. No. Are you still a nonsmoker? Yeah. Yeah. Do you have private health insurance? Yes. Yes. We do. And who's that with? Sorry. It's with NIV. MIB. So Thank I just you. found my income statement. So Oh, that's that's okay. a little late, but never. Absolutely fine. Did you need to update me with anything, or that's all pretty correct what you gave me? It's so I worked two jobs. One for Queensland Health and one for and I did and then for my husband as well. Yep. So my gross salary and wages for Queensland Health was 84 for the last financial year. Yep. Yep. Yep. And give me one sec. And for a couple of painting services was 11,000. Beautiful. So yeah. When I said that 92, that's yep. The two together. Combined. Yep. Yeah.","start_word":898,"end_word":1449,"sentiment":"neutral","sentiment_score":0.024280476000875344},{"text":"Fantastic.","start_word":1450,"end_word":1450,"sentiment":"positive","sentiment_score":0.40515291690826416},{"text":"Yes. So not yeah. 95.","start_word":1451,"end_word":1455,"sentiment":"neutral","sentiment_score":0.11471569538116456},{"text":"Beautiful. Thank you for that.","start_word":1456,"end_word":1460,"sentiment":"positive","sentiment_score":0.4379943609237671},{"text":"Do you take any medication on a regular basis? No. No. Only other than telepath tablets, but no.","start_word":1461,"end_word":1478,"sentiment":"neutral","sentiment_score":0.030399199575185776},{"text":"Beautiful. That's absolutely fine.","start_word":1479,"end_word":1482,"sentiment":"positive","sentiment_score":0.364680141210556},{"text":"And do you know what your height and weight is? Oh, yes. I do. You don't wanna know. Nobody ever likes sharing that information. You don't have to. Yeah. There's no absolutely no pressure. What what is that for? What is that information That's for? just if we if we go any further and we need to look at your reviewing your insurance policies, we just Okay. keep that on record. Oh, okay. But we can come back to that if we during our chat, we decide we need to review your insurance policies, but that's fine for now. Yep. Yep. Okay. Do you have a will or power of attorney in place? No. Okay. And are you a tax resident of any other country than country than Australia? No. Well, we were paying taxes when you're doing, but not that's not relevant anymore. Okay. We don't have Beautiful. anything there.","start_word":1483,"end_word":1633,"sentiment":"neutral","sentiment_score":-0.024934612214565277},{"text":"Fantastic. I'm going to jump into the goals that you had recent the last time you met for Yeah.","start_word":1634,"end_word":1652,"sentiment":"positive","sentiment_score":0.3803281784057617},{"text":"a review. So one of the go and just to see if these are still relevant and add any more new ones in, if applicable. One of them was to go on a holiday both overseas and in Australia, pay down the mortgage, and maybe a job job change still within admin. Yes. All still relevant. All still relevant. Yep. Haven't eventuated, Go to a but still relevant. that's okay.","start_word":1653,"end_word":1722,"sentiment":"neutral","sentiment_score":0.09314423916595324},{"text":"Absolutely fine.","start_word":1723,"end_word":1724,"sentiment":"positive","sentiment_score":0.4663819670677185},{"text":"And go on a holiday to Europe. Yeah. Yep. Yeah. Have you been That no. That's all, by the way, so I've had too many other competing priorities this year. able So to do that yet? That's fine. Do you aim for next year? Mhmm. I don't I don't know. We'll have to review our Yeah. situation. Absolutely It would fine. be nice, but yeah. Depending on the world environment too and what happens with that. Yeah. Yeah. That's correct, isn't it? There's so much uncertainty out there at the moment and Can not not can I necessarily sorry? yeah. Sorry. Sorry. I'm just looking at my my my girl's account, Mhmm. and I just I just wanna correct my income for the last financial year because with the two combined, it's saying the total gross was 110. Okay. So that includes super and everything. Yep. Including super. Do you get super from your husband's business? Yes. Yep. Okay.","start_word":1725,"end_word":1883,"sentiment":"neutral","sentiment_score":0.0016023246571421623},{"text":"Beautiful.","start_word":1884,"end_word":1884,"sentiment":"positive","sentiment_score":0.40876835584640503},{"text":"Alright. I can work Sorry. backwards with that. Sorry. I'm No. scrolling No. down the page. No. You are absolutely fine. The next part of the review is you're gonna receive an email from me very shortly. Do Yeah. you have access to your email? Yeah. Yep. It's gonna come through from OdooSign. It just contains your review pack. So you don't have to sign anything now. You click on sign here, and it'll open the pack up, but there's there's no signatures required. We're just gonna run it at the moment. Yep. Okay. Yep. So do you have that open? Yes. Yeah. Okay.","start_word":1885,"end_word":1988,"sentiment":"neutral","sentiment_score":0.08425412327051163},{"text":"Fantastic.","start_word":1989,"end_word":1989,"sentiment":"positive","sentiment_score":0.5894479751586914},{"text":"So this is your review pack. So this is where the superannuation and insurance that we manage for you presently. So the first one is just a very brief overview. So you've got your hub twenty four account sitting at a balance of $289,617, Mhmm. And you've got life, TPD, and income protection with Ascender. Your life insurance is $578 and 18 $578,813. Yep. Don't mind me today. I've got a case of Oh my god. thank god it's Friday. That's the well, you've been putting up with me scrambling, so that's fine. I completely understand. Oh, no. Not at all. Thank you. And then your income protection sitting at $4,148 a month should something happen that you're unable to work due to injury or illness. Yeah. Yeah. Now I'm just gonna double check and make sure that's sitting about right. So that some insured is sitting a bit low. Based on your income of 110, we'll actually we'll take out super. She can't insure super, so give me one moment. Mhmm. Still sitting a little bit low in relation to your income. So what that means is, essentially, if something does happen to you due to injury or illness, you're uninsured. You're only gonna get your monthly benefit of 4,100 and Okay. $48. I would need to do some proper calculations to get a better understanding of what that should be. But Yes. I just need to make you aware of that and see if that's something you wanna look at increasing or whether you're comfortable leaving it where it is. Okay. 4,000 a month. Like, it's less than what I earn currently. So Yep. but, Yep. I mean, So it's you're still comfortable. with, yeah, with income protection, you can only insure up to 70% of your income. So there's probably some leeway there and then maybe an extra thousand or so a month that you can be insured for. Okay.","start_word":1990,"end_word":2312,"sentiment":"neutral","sentiment_score":-0.06096922233700752},{"text":"I'm happy to investigate it if you want.","start_word":2313,"end_word":2320,"sentiment":"positive","sentiment_score":0.34047064185142517},{"text":"It's completely up to you. Yeah.","start_word":2321,"end_word":2326,"sentiment":"neutral","sentiment_score":0.2423766702413559},{"text":"If you can, that'd be great. Yep. I can do that. Fantastic. Thank you.","start_word":2327,"end_word":2340,"sentiment":"positive","sentiment_score":0.550380527973175},{"text":"And with your risk protection portfolio, there's a policy called trauma insurance. Has that been explained to you before? I'm not too sure. Sorry. No? No. That's okay. A a very brief rundown overview would be that it's a lump sum payment paid tax free if you're diagnosed with a specific in illness. Those Yep. range from cancer, heart attack, stroke, some neurological conditions. And you would be typically, how a trauma insurance policy is recommended is that we would allow or we would recommend an amount for out of pocket medical expenses, repayment of some or all debt depending on the client's wishes, and an amount for a recovery period. So, typically, with a trauma policy, it's not necessarily a terminal illness. It's something that you're probably gonna need treatment for, recovery, and that's what that policy is designed to provide for individuals. It's just help during that recuperation period and reduce the financial stress. Okay. The income protection would kick in after a thirty day wait if the doctor deems you're unable to work, but it would depend again on the type of diagnosis you received. So Okay. the with trauma insurance, it's not funded through super. It is funded through your personal cash flow. That's why the payment's tax free. Okay. So we just we just let our clients know that that policy is available. And if it's something you wanted to look into, again, I can do that for you. No. Let's It leave would that be for now. nope. That's absolutely fine. The next document along in your review pack is the performance report from hub twenty four. The overall net return, which is shown on the second page, is 5.84% for the last twelve months. Now on the first page, on the very first investment, you'll see Benelung equities fund Yep. that that returned oh, get a negative return, sorry, of 17.14%. Mhmm. At the moment, we're looking at all of our clients that are within this this Yeah. investment to look at potential alternatives for a placement as long as it Okay. fits your goals and objectives. Now Mhmm. it's not that Benelong it's not that the Australian share market performed badly itself. It's been a long investment mandate. So their mandate is that they seek companies that they feel are undervalued, and there's potential for growth within the Australian share market. Unfortunately, Okay. that mandate hasn't been successful then for about the last twelve twelve to eighteen months with the banks Mhmm. performing significantly better. So Yeah. what what we're looking to do is replace the Ben along Australian Equities Fund with an alternative.","start_word":2341,"end_word":2782,"sentiment":"neutral","sentiment_score":-0.0073994164612161085},{"text":"Good.","start_word":2783,"end_word":2783,"sentiment":"positive","sentiment_score":0.3760772943496704},{"text":"And if you're happy for me to do that, I'd like to investigate that for you. Yeah.","start_word":2784,"end_word":2800,"sentiment":"neutral","sentiment_score":0.23166483640670776},{"text":"Thank you. Thank you. Beautiful.","start_word":2801,"end_word":2805,"sentiment":"positive","sentiment_score":0.47611042857170105},{"text":"And the other one that I did want to have a look at for you was the third one down, the beta bank hybrid ETF. Mhmm. The banks in Australia are changing their structure. So from January 2027, they're gonna phase out the hybrids. Now you Okay. have a significant holding in the hybrid sector, Mhmm. and what I'd like to do is rather than wait and see, I wanna be a little bit proactive in respect to looking at potentially replacing that before rather than waiting for it to phase out and see what happens. So if you're Yep. okay with that, I'd I'd like to look into that as well. Yep.","start_word":2806,"end_word":2918,"sentiment":"neutral","sentiment_score":0.06957200169563293},{"text":"Beautiful. The rest of your portfolio, you is is performing quite well.","start_word":2919,"end_word":2930,"sentiment":"positive","sentiment_score":0.40691882371902466},{"text":"You've got Mhmm. some satellite, which is what we call if we think of them as niche exposures. So you have got some global agriculture and some global cyber. Yeah. There are there are satellite investments that sit around our being like the beta Australian share fixed interest fixed interest Australian, your iShares Global, your big core investments.","start_word":2931,"end_word":2988,"sentiment":"neutral","sentiment_score":0.15138883888721466},{"text":"So they're all performing quite well.","start_word":2989,"end_word":2994,"sentiment":"positive","sentiment_score":0.3406660854816437},{"text":"In part of my research, when I go away anyway, we'll be looking whether this portfolio remains fit for purpose and reviewing all the investments anyway. But those two I've highlighted are ones that I will definitely be taking a closer look at. Mhmm. Do you have any questions about your portfolio? No. That's fine. No? Okay. I'm following that yet. Yep. So with your super, for example, Mhmm. what would be your goals for your super fund? What do you wanna say? What's important to you? Look. I just wanna see it increased. That's what I want Yes. because I think Yep. when I started this out, when I was with QSuper, Yep. the calculations were that I was gonna end up with something like $380,000 by the time I retire. But I've super said 700. So Yep. Yep.","start_word":2995,"end_word":3134,"sentiment":"neutral","sentiment_score":0.14637958918298993},{"text":"as long as it's calming, then, Yep. yeah, then Speaking I'm happy. of yeah.","start_word":3135,"end_word":3148,"sentiment":"positive","sentiment_score":0.4191224873065949},{"text":"Yeah. Okay. Speaking of retirement, what's your Mhmm. your desired retirement age? Oh, look. Tomorrow? I'm sure you get that Me a lot. too. We're actually we're actually in the process of reviewing our mortgage structure, to be honest, and Yep. we're going to try and reduce that. At the moment, it's at nineteen years, and we're gonna try and reduce that and pay it off a lot quicker if we can. So we're looking at probably six years to pay our mortgage off and then get some investments. Yep. So yeah. So ideally, I'm 49 now, so I'd really like to retire before I'm 60, realistically. Yeah. And if you were as well, preservation age for super is 60. So accessing Yeah. it, you'd be limited to 60. Is William older or younger than you? He's nine years older. That's why Yeah. we're Okay. looking at reducing our mortgages quickly as possible. The only because he's self employed, paid a decorator, and that's not sustainable for another ten years. Yep. No. So Of course. or 19 So his super years. yeah. So his super would be accessible. Does he have enough in super to fund the retirement until your super comes No. accessible?","start_word":3149,"end_word":3352,"sentiment":"neutral","sentiment_score":-0.03310377523303032},{"text":"Nope. No. No. Okay. We don't need something like 30,000 in this paper. It's ridiculous.","start_word":3353,"end_word":3367,"sentiment":"negative","sentiment_score":-0.4914803802967071},{"text":"Okay. So if it was before 60, how would would William retire and you continue working, how would you fund the the income need before your super was accessible? I have to completely working. Yeah. Until you got to 60. Yeah. Okay. Alright. There are obviously ways that we can look at making that happen and having funds accessible outside. But if you were to review your reduce your debt in a six year time frame, Mhmm. that would take you to 55. Sorry. I'm just Okay. I'm having a day today. So we could we could look at ins we could definitely look at ways to to build some wealth as you get that. So maybe around if you are successful in implementing a plan to pay down the debt in six years, at around Mhmm. the three year mark, we could look at potentially building some wealth outside of super to help you retire before 60 that would fund access to that would fund you until you're able to access super. So we can put that down as a future future thing to look at. Okay. What's that? What what would that sort of be like look like? Yep. So, basically, it would look like you have 24 super account, but it would be held in your personal name. So Oh, okay. which would make which you could then draw down as an income until you're able to access your super. But, again, the you know, that's gonna impact your super fund because if you do stop working, then your super contributions are gonna cease also. So we Yeah. would need to look at that, you know, when you've got a little bit more of an understanding of where you're sitting Yeah. in relation to your debt levels. Yes. So that's something we can definitely look at down the track. Are you doing that with a broker? Yes. Yeah. Okay.","start_word":3368,"end_word":3689,"sentiment":"neutral","sentiment_score":0.05767931643387546},{"text":"Beautiful.","start_word":3690,"end_word":3690,"sentiment":"positive","sentiment_score":0.386460542678833},{"text":"Alright. Do you have any idea when you'll know what you're gonna what your It's plans in the are works, with so that? I'm assuming Yeah. within the next month. Yeah.","start_word":3691,"end_word":3721,"sentiment":"neutral","sentiment_score":0.1053089201450348},{"text":"That's okay. Beautiful. Oh, that's a great goal to work towards. Yeah. The okay. Beautiful. I'll make a note of all that.","start_word":3722,"end_word":3743,"sentiment":"positive","sentiment_score":0.4932937622070313},{"text":"The next document in the pack is our Vanguard index chart. So, basically, that just shows you how markets react, the volatility. It's more of a visual tool education tool for our clients. So you are reckon you are invested presently in a growth risk profile, which Yes. what Yes. that means is 80% of your funds are invested in growth assets, 20 in defensive. So if you look at that chart down the right hand column, you'll Yep. see the top four, they're your growth assets. So that's where we have 80% of your funds invested. And the bottom two, ignore CPI, is your defensive assets. So that's where 20% of your funds sit. So Okay. you'll see that the top four has a lot more volatility Yeah. as opposed to the bottom two, and that's where the growth of your portfolio comes from. The bottom two do obviously produce a little bit of growth, but you'll see that it's minimal. They're Yes. the income producing parts of your your portfolio. So in Okay. a growth yeah. So in a growth portfolio, what we say is a minimum time frame of six years investment period. Mhmm. What that does is it allows recovery in markets. So if you look at the COVID nineteen Yeah. events on that graph, you'll see that the market absolutely plummeted Yeah. and that it does come back, but you've gotta have time. So that's why we always say a six year period.","start_word":3744,"end_word":3991,"sentiment":"neutral","sentiment_score":0.018678076565265656},{"text":"Additionally, in a growth portfolio, statistically, we'd expect a one in five year negative return.","start_word":3992,"end_word":4006,"sentiment":"negative","sentiment_score":-0.4477391242980957},{"text":"Okay. So that's to allow for those type of events where we would see statistically a negative return.","start_word":4007,"end_word":4024,"sentiment":"neutral","sentiment_score":-0.33125537633895874},{"text":"That's not always the case.","start_word":4025,"end_word":4029,"sentiment":"negative","sentiment_score":-0.36823439598083496},{"text":"It could be just a low return, but that's what we'd expect in a gross investment. Yeah. And the the purpose of me talking about this is basically to make sure that you understand and you're comfortable with that. If you wanna Yeah. keep investing in that manner, you do have the time on your side with a six year period to continue in the growth Mhmm. portfolio. It's just more of a matter that, you know, our clients can pass the sleep at night test. So you're comfortable with knowing the fluctuations and volatility that can occur and understand that they will occur, but you're able to hold still and ride them out. So that's it's more about your comfort. So other than gross investment, what's the other options? Fully defensive. So Okay. you can you we would always keep an allocation to growth because you do need growth in your portfolio. But what would happen is would decrease the allocation to growth. So the next one down sits at about a 70% allocation to growth. The one below that sits at about a 50% allocation to Okay. growth and furthermore at 25%. So the more it's just gonna Okay. impact the growth of your portfolio, essentially. So I think in in all of that, there is two there's if you understand and you're happy to maintain the growth, or what we can do is complete what we call a risk profile, And it just assesses on a number of standard questions what your risk tolerance is. Okay.","start_word":4030,"end_word":4288,"sentiment":"neutral","sentiment_score":0.07513493765505125},{"text":"I think I'm happy with the growth.","start_word":4289,"end_word":4295,"sentiment":"positive","sentiment_score":0.4522583484649658},{"text":"Yeah. We review it every year with you with your reviews anyhow. Yes. But, yeah, it's it's completely up to you as to your feelings towards risk return, basically.","start_word":4296,"end_word":4324,"sentiment":"neutral","sentiment_score":0.12699899077415466},{"text":"Well, I think it's tracking along quite nicely as is. So, yeah, I'm happy. Okay. Fantastic. That's absolutely fine.","start_word":4325,"end_word":4343,"sentiment":"positive","sentiment_score":0.46959832310676575},{"text":"The next document over is a certificate certificate of currency. It just, again, goes back to those life cover, sums insured, and your income protection to make sure that you're comfortable with those. Yep. Yep. There's enough there to repay debt. Is that the purpose of the life policy in the TPD for you? Say that again. Sorry. I'm just trying to find the document. I it hasn't Oh, sorry. gone. Has it's it should be an ascender certificate of currency. No. I can't see that. Which ones have you which one have you got? If it's not in order, I apologize. I'm in IP services guide. I just clicked next. Yep. That's fine. I'll I'll talk to that. Hopefully, the security of currency will be next. That's our financial services guide. It is it's in your pack and can be found on the website. Mhmm. It just explains to you who we are, who we're licensed by, that we're licensed with ASIC, the type of advice we provide and how we do it, the fees, the fee structure, and also importantly, if you don't like us or we've done something wrong, how to make a complaint for the complaint process. If you wanna hit next, let's hope that it's the certificate of currency. Okay. There's no next. Maybe I hit the next twice previously. Can I go out of the document and come back in? Yeah. Of course, you can. Yeah. See if that works. Yeah. Okay. Let's have a look. No. Oh, certificate of currency. Yes. It's after that one. Okay. Okay.","start_word":4344,"end_word":4607,"sentiment":"neutral","sentiment_score":0.020565541969104248},{"text":"Beautiful. Found So it. that's fantastic. That's good.","start_word":4608,"end_word":4615,"sentiment":"positive","sentiment_score":0.5444132089614868},{"text":"I was hoping it was there and wasn't missed. This the second page just outlines outlines those levels of cover we talked about earlier. I'm gonna have a look at the income protection. But, basically, the life and TPD cover is gonna cover the debt attached to your home and provide a little bit of surplus. Is that your intention Yeah. for those covers? Yeah. Yeah. Yep. Beautiful. The see, we've already talked about this. What's the next document that you have? Because it seems to be out of order. The consent to new ongoing fee arrangement. Yep. Beautiful. So that is our ongoing fee arrangement. So you would have been on one previously. What it Mhmm. is is your consent to continue. So if you wanna if you're happy to continue remaining a client of Oakview Financial, Your fee that's funded from your hub twenty four account is estimated to be $4,750 per annum. That's then it's a fixed fee. So, previously, these were a percent based fee, which Yep. meant each month, it would go up and down depending on how the portfolio reacted. Yeah. What we do now so in terms of, you know, growth, we'd get paid more. What we have the approach we've taken along with so many other advice firms in Australia is to fix that fee because Okay. to make it fair and transparent. So that fee is fixed. It would it works out to be $395.83 a month, which is funded by from your hub account. So Mhmm. if you're happy to continue being a client and, you know, paying that fee, we ask that you do sign it because we do need you to do that in order for us to continue being your adviser. Yep. And That's then fine. the next document is the authority that we hold your tax file number. So the we do have that on file from when we set that up with hub twenty four For privacy purposes, we do ask and just make sure that our clients are aware that we do hold that number, your tax number on file and your signatures just acknowledging that, you know, where that you're comfortable with that, you're aware of it. And the reason being is we don't want your fund super taxed at a higher rate if we don't provide it. Yeah. So that's the purpose of that document. Okay. After that mouthful, do you have any questions? No. I don't. I'm just happy No. to take along as is and and stay with hub twenty four.","start_word":4616,"end_word":5046,"sentiment":"neutral","sentiment_score":0.03939118610128864},{"text":"Thank you. Fantastic.","start_word":5047,"end_word":5049,"sentiment":"positive","sentiment_score":0.4064361155033112},{"text":"I have two questions, only two. Yes. Sorry. Very, very quick ones, and they should be yes or no. Review frequency. Are you happy to have your reviews annually, or would you like them more frequent? Annual's fine. Yep. And the But last I one yeah. As I yep. as I just as I said earlier, if you can just let me know in advance exactly what figures you want, then that'll make this easier for me because, like, I don't look at this a lot as people Yeah. don't. You know, it's like your power bill. You just don't Just look at what you're pay charged it and and do then yeah. Happy just to tick yeah. along. I get it. So Absolutely. yeah. I'm so Alright. busy.","start_word":5050,"end_word":5178,"sentiment":"neutral","sentiment_score":0.06176633760333061},{"text":"I just don't check things.","start_word":5179,"end_word":5183,"sentiment":"negative","sentiment_score":-0.3343360722064972},{"text":"No. I completely understand, and I'll make a note of that definitely.","start_word":5184,"end_word":5195,"sentiment":"neutral","sentiment_score":-0.015736741945147514},{"text":"Thank you.","start_word":5196,"end_word":5197,"sentiment":"positive","sentiment_score":0.3657868802547455},{"text":"And the last one is sorry, but I know you don't have any estate planning documents in place. Yeah. Is it something you and William are gonna look at? Yeah. I think so. We'll have Yeah. to. Yep. Yeah. Just given that you guys have a blended family, it is probably something that you do need to look at to make sure that your wishes are adhered to and met. Yeah. I've seen some doozies in my time, to be Yeah. honest I with bet. you. What we do have a professional partner that we work with that does do this at quite a reasonable price, to be honest with you, compared to some that I've seen in my lifetime. What Yeah. I can do is send a brochure through to you if you like to have a look. And if it's something that you're interested in, I can organize an introduction for Yep. you and William. Yeah. That'd be great. But given that you guys do have a blended family, I think it is and the fact that your beneficiary nominations are set up to go to your estate, so without having a will all your super and life insurance is gonna go to your estate, and you don't have a will. Yeah. So probably something that we need to look at. In the meantime, did you wanna change that beneficiary nomination, or are you what what are your It's thoughts? You mean the person? Yeah. Yeah. No. That's fine. So do you wanna leave it to your estate? Yes. Yep. Alright.","start_word":5198,"end_word":5460,"sentiment":"neutral","sentiment_score":0.032919690012931824},{"text":"Beautiful.","start_word":5461,"end_word":5461,"sentiment":"positive","sentiment_score":0.4504299759864807},{"text":"I'm gonna send you through some information on the wills and power of attorney and our our professional partner anyway, and Okay. they can all do that via phone and whatever means is necessary to help you through that process as well. So Yes. I will send that through to you to look at, and you can let me know if you want me to arrange an introduction. Okay.","start_word":5462,"end_word":5530,"sentiment":"neutral","sentiment_score":0.21446256339550016},{"text":"Thank you. I appreciate that. That's That's absolutely fine. Absolutely fine.","start_word":5531,"end_word":5541,"sentiment":"positive","sentiment_score":0.39325088262557983},{"text":"If you have any questions at all, Kerry, please give me a call. I'm gonna go do some research, and you'll I will probably reach out to you in the next two weeks or so to set Okay. up a time just to run through any changes I've Okay.","start_word":5542,"end_word":5590,"sentiment":"neutral","sentiment_score":0.10987849290273628},{"text":"Thank you. Appreciate recommended. Beautiful. Well, I hope your day gets quicker that. for you and ends, and it's quicker to the weekend. Yeah. Thank you. Have a good day. You too. Thanks, Jenna. Okay.","start_word":5591,"end_word":5625,"sentiment":"positive","sentiment_score":0.6195363402366638},{"text":"Bye.","start_word":5626,"end_word":5626,"sentiment":"neutral","sentiment_score":0.29108935594558716},{"text":"Thank you. Bye.","start_word":5627,"end_word":5629,"sentiment":"positive","sentiment_score":0.498590886592865}],"average":{"sentiment":"neutral","sentiment_score":0.04616330590578589}}}}