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Well, I won't worry about the the address, but I'll just steal it off the notes for the faxman later. Sure. You can send him through. Good afternoon, Barry. This is Veronica speaking. How are you? Yeah. Good. Thanks. Thanks for returning my callback. No worries. You still have time to go over the annual review? Mhmm. No. Okay. Okay. No. That's that's okay. You don't don't yeah. Alright. Perfect. Now before I kind of jump into the under review there with you, Barry, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up? Yep. Yep. Yes. Okay. Okay. So just yep. Okay. No. That's all good. Okay. Yep. Perfect. We can definitely have a bit of a look at that for you. Now before I kind of jump into your superannuation side, it is easier when you when you are home. But what's quite easy to do while you're okay. Oh, perfect. That's convenient. That's good. So what I might do while you are kind of walking and getting settled is just to go through a bit of an updated fax line with you first just to see if there is anything else, like, anything major that has changed in your life or if we need to make any changes to your advice. Now I know Maddie already told me that she will update the address for you, which is good. Otherwise, when it comes to your personal information, I have you down here as single with no financial dependent. Is that still the case? Yep. Beautiful. Now I don't actually have a next of kin on file for you. So that can be anybody and just someone you would like us to contact in the event that we just cannot get in touch with you. Yeah. It could be anybody, and they don't have any, like yep. Okay. Yep. Yeah. Perfect. I'm sorry. Could you just repeat the name again for me? How would you spell that? Yep. Yep. Perfect. And, just relationship to yourself, just a friend or was it a family connection? Oh, perfect. So family. And just best contact number? Sure. Yep. Yep. 919. Beautiful. Thank you so much. Now when it comes to occupation, has any of that changed, or you're still working as a trade assistant? Oh, nice. And what kind of business do you have? Yeah. Oh, yeah. Soul Trader. Perfect. And when did you change to that? Oh, yeah. Perfect. And how is it all going so far? How is it all going so far? Yeah. That's good, though. Yeah. Yeah. Balance. Yeah. Yeah. Do you is it just yourself? Do you have someone else working as well? Yeah. But now it's just getting also yeah. Yeah. Yeah. And you work, obviously, full time hours? Yes. Yeah. Ah, yeah. Okay. Yeah. Okay. Perfect. No. And totally, obviously, weather stuff. The last the last few weeks have been not so fun. So much rain. Yeah. No. Yeah. So we're up on the Gold Coast. Yeah. We're up in Southport. Yeah. What's your what's your new suburb? Where whereabouts in the Queensland Gold Coast? Oh, yeah. Nice. Oh, well, that's close. But if it if you ever are up, obviously, towards Southport and you want to do a review or anything in person, just let us know because you're always more than welcome to come into the office as well if you, would prefer. Yeah. Yeah. We'll just yeah. Just let us know next time if, yeah, yeah, if you just wanna wanna pop in, especially now when it's nice and clean. Yeah. Yeah. Perfect. Well, I'll make a little note, especially now when you are nice and close. But, yeah, I have had a lot of rain brought a lot of rain recently. Now income wise, I probably understand that it will fluctuate a little bit. But do you know roughly what are you on track to for, like, this money issue here? Do you know your rough income that I you'll pay yourself About alright. Perfect. So about 180 ish. Now contribution wise, because now when you're a sole trader, it's obviously up to you if you are wanting to make contributions. Are you Mhmm. Mhmm. Yes. Yeah. And are you doing anything at the moment, or are you planning on or just kind of seeing how the business goes first? Mhmm. Pay for Yeah. Yeah. If you are con contracted. So that that will be good. Yeah. Oh, okay. Great. Perfect. Yes. No. Definitely. Yeah. If you are contract contractor, then that will be the case. So then do you think roughly it'll be the same? Like, you will be contracted under around a 180 a year? Mhmm. Mhmm. Okay. Okay. Mhmm. Okay. Yep. Yeah. Okay. Yeah. No. That's okay. And, obviously, especially with the business and contract and everything, I completely understand that things do fluctuate and depends on that. So that's no problem. I'll just make a little note. And then after the line stuff, we can just kind of keep an eye on those contributions anyway when they drop in your hub 24 for you and have a bit of a look at that. Yes. Yes. And the more you do as well. Yeah. Yeah. Yeah. Yep. Yes. Yes. Yeah. And do you have do you have a good accountant to help you with yeah. Oh, great. Okay. Yep. Oh, I was just going to to ask if you do if you don't have one, we do work closely with with an accountant firm up here. So if it is that you wanted a referral or assistance, especially, like, setting up the business can be a bit tricky. Yeah. Yep. And just let us know if it changes. Yeah. Yeah. What's happening? Yeah. That's fine. And just let us know, you know, if it is ever a point that you go, oh, do you know what? I wanna have a bit of a chat to them or see if I can yeah. Yeah. Yeah. Yeah. Yeah. Can be harder. Yep. Yeah. No. And a lot of locals are like that as well. And we do offer that, like I said earlier. So we're just up in Southport. You're always always more than welcome to have any appointments face to face, especially now when you are local. So I'll make a little note that you do prefer face to face where possible. And, yeah, where if you do change your mind and you do wanna talk to an accountant, just send us an email, give us a call, and we can always then get them through reach out and have a bit of a chat to you. Yep. Perfect. Now when it comes to your assets and liabilities, I have here that you have about $5,000 worth of investments, like, personal investments. Is that still the case? Okay. Yeah. No. And is that just kind of on an investment platform? Or Yes. Yeah. Yeah. Mhmm. Okay. No. That's alright. Otherwise, do you have a motor vehicle or motorbike or anything like that? Nope. Yes. Yeah. She said no. It was yeah. It was Maddie who took the reception inbound call. She actually said that. She's like, oh, funny enough. You're now living in my old building. Yeah. At least the train would be nice at moments with the still the 50¢. Tram fare fares, is it? Well, I live up in Pacific Pines, so closer to, like, other side of, like, Helensvale and stuff. And just, yeah, just work in Southport. And it's it's good. Like, they it is convenient, but it depends what you're after as well because I live in a house, and there's not that many houses potentially in Southport. It's a lot more like apartment buildings and duplexes and stuff. So it does depend like, it is convenient. I think it's a little bit cheaper than other suburbs. There are certain area that's a little bit rougher than others, but so you'll get in any suburb, I think. So if if it's more around, like, the back of Australia Fair and stuff, sometimes, like, kinda where the hub is. Sometimes you get, yeah, a little bit of rough roughness, but, yeah, you'll get that in, yeah, you get that in a lot of suburbs. But then there are other sites points of Southport, which is really nice, especially as you get, like, closer to the water and stuff. So I think you can find good areas. Just kind of if you do go and have a look at some places, I would just kind of have a look around a little bit as well just to make sure it's kind of, like, one of the nice nice ones. But it is very good and convenient. It is close to a lot of things. Yeah. And I think Maddie enjoyed living there as well. And, yeah, a few other colleagues live around the area too, and they all enjoy it. Yeah. Otherwise, I have here $2,000 of about credit cards. Is that still the case? Yep. Perfect. And then a loan of about 1,200. Nope. Oh, beautiful. That's great. Any other assets that we haven't gone over otherwise? Any, like, savings in the bank or anything else? Or yes. Yes. Perfect. Now health and lifestyle wise, are you a smoker? Nope. And have you had any changes to your health in the last twelve months? Any significant health issues or injuries or anything? Yeah. Yeah. Yeah. That's good. But, otherwise, yeah, you're not having any too many troubles or anything health wise. It's all going alright? No. Oh, great. Yeah. That's good. Now that's right. Barry, do you have private health insurance? Nope. Might be worth having a look at at some point for you just from an income point of view, at least. Because you are now a high income earner, what that will mean as well, which your accountant should be able to kind of calculate all of that for you this financial year, is that because you have exceeded the now in through the high income earner, it will mean that if you do not have private health or hospital cover, that you would pay a medical levy surcharge. That is you you know about that? Mhmm. Mhmm. Okay. Mhmm. Yep. Yeah. And I, yeah, I used to be the same. So I'm Swedish. So if you do have a bit of an accent, that's why. And I'm now dual citizen, so I have Swedish as well. And when I came over, it was partnership between Sweden and Australia, so I had Medicare and stuff like that. This this is a little bit different in that basically, because, obviously, you have public hospitals and stuff where they are encouraging high income earners kind of regardless of yeah. Just to kind of assist, and they do put an additional tax on high income earners if you do not have private health insurance. So it might be worth and sometimes it turns out that you pay a little bit more extra tax, but it's actually a lot cheaper than the private health insurance. Sometimes it turns out the other way depending on how high your income is. That sometimes like, I have a lot of clients who just take out private health insurance just, like, the minimum cover just to not having to pay additional tax. But definitely chat to your accountant because they are obviously the expert when it comes to that. Just something to be mindful of. And when you do chat to them as well, just they they'll be able to calculate all of that for you and see where you're at and how how much that would all potentially be and stuff. So just something to be a little bit mindful of now when your income has gone up quite a bit. Yep. Perfect. Otherwise, when it comes to estate planning, do you have a will or anyone who makes any financial decisions on your behalf? No. Okay. Mhmm. Yeah. Okay. Perfect. So kind of in the pro. Yep. Yeah. Yes. Of course. Yes. Yeah. And that makes sense. And yeah. Yeah. That's nice. Yeah. And that's nice. And when it comes through super end insurances, so we don't have a current nomination on file for you. So that is if something ever were to happen to you, like, you were to pass away, who would then receive your benefit? Do you know who you would like to nominate for to receive that? Would that be your family again? Yep. Now does any of your family members live with you currently or rely on you financially? No. So when it comes through the superannuation legislation here in Australia, they they are restrictions on who you can actually nominate directly through the CISSPAC. So the only people that you can nominate, like, directly on a form is a spouse, a child, or someone in a financial dependent or interdependent relationship with, which a lot of clients, if if you don't have a spouse or children or you wanna give it through, like, nephews and nieces or family members and brothers and sisters and mom and dad, which is super common, you can still do it. We would just have to structure stuff a little bit differently. So the way that we would go around it is that on the forms for your super and insurances, you would put down that you nominate a legal personal representative, which essentially is just a fancy word for saying that it goes to your will. Then in your will, you can nominate whomever you want. So then in your will, you can say that you want it to go to x y zed and so many portions. And in the will, you can even do a bit of a succession sometimes as well, where you can say first person this, but if something were to happen, this one and this one, etcetera. The only reason we have to do it this way is because super and insurance does not automatically form part of the estate. So you can have it completely different to your estate. If there is no nomination in place, it could go to your estate regardless, but the trustee of the super or your insurances could also decide if there is someone that tries to come forth and make a claim for it. So it is important to have a look at when you have a moment, and that would be through to have a look at that will if it was finalized or where it's at, and then include in that what you want to do with your super and your insurance. Now under then the forms that we'll submit to your super fund and your insurance company, do you have access to a printer, or do you prefer things to be posted to you? Posted? Nice and close. Okay. Well, what I can well, oh, yes. Email it it it just has to be printed at some some place, even, like, office work or library or something? Yes. Okay. Perfect. Yeah. So what I will do then, that way you'd also have it in your inbox as a bit of a reminder, is that I will get the team to email you the form, have a look at them. And like I said, if you do wanna give it to your family members, just complete it a a 100% to your legal personal representative, and then make sure you do note it in the will as well. Does that all make sense? Yep. Beautiful. Yeah. Sorry. Because you have your super with hub twenty four? Yeah. So do you have a c bus account that you opened up as well, or you mean from your old one? Okay. Let me just check here for you. And yeah. So let me just get, just bear with me. Let me get all this information up for you. Now are you still receiving statements from Cebus? Yeah. No. That's okay. They should email it through you as well because yeah. No. That's alright. Because I can see here that when you obviously came on board and we did your initial advice, you used to be with CBAS. And you had a bit of money in Cbus, but that was all, by the looks of it, transferred and consolidated to hub twenty four where you currently have your super. But let me just triple check the transactions because on on our end, it looks like that was all finalized and that you don't have it open anymore unless you've put any contributions or anything afterwards into it. No. No? Yes. Yeah. Sorry. I have your your hub 24 that I've actually emailed you, which does have your your current super balance as well. Now I do wanna just triple check because just that your c bus was completely closed down from our end because it looks like it was, but I do wanna triple check that for you while I'm in your account. No. So when you when you oh, yes. Yeah. So no. The reason was that when you came on board in 2022, you obviously had advice with the director, Sabrina Sarta. And part of the advice was to, obviously, assess your superannuation and assess if that was a more suitable option that was going to do a little bit better for you, as well as looking at your comprehensive insurances. Now having a look at that document, because I do have it in front of me as well, obviously, every time we do make a recommendation, there's a lot of research that goes into it to make sure that if we switch your super funds, it is going to put you in a better position. So factoring in, obviously, fees and returns and everything, because we are bound by that best interest duty, which means that we always have to act in your best interest at all time, and the advice we put together has to put you in a better position. Now having a bit of a look at this, it was recommended that you change from CBA to Hub 20 four. Okay. Hub twenty four. You're balanced. Oh, okay. Perfect. I thought you were asking why c bus was shut down. No. That's okay. It's in your mind. No. That's okay. I was no. No. That's okay. Because I was like, no. I don't have c Bus here. That's all closed now. What? No. No. No. Your super is very much still here. It's just not with CBass. It's with Hub twenty four. So we're on the we we're on the right. Yes. It's very much here. Now, Barry, do you have access to your emails? Because I have actually sent you a couple of documents, and part of that is showing you your current super balance, your performance, your insurances, and everything so that you can see it. Yeah. Sure. Yeah. That's okay. Yeah. Most people most people do that as well. Yeah. No. That's that's all good. Now we have recently changed the software as well, so it could end up in spam folder potentially. Yeah. Yes. That's me. Mhmm. Yes. Yes. But if you click on that, it will show you all the documents before asking you to sign anything, and that gives you a breakdown of everything today. Correct. Yes. So if if you wanna click on that for me, it should open up a couple of documents. The first one should say summary of superannuation. Can you see that document? Yes. Perfect. Yep. Now that tells us here that your superannuation balance is $87,234.99. Now do you have access to HUB 24 as well if you ever just wanted to go in and see how much is there? We'll check anything yourself quickly as well. Do you have all your login details and everything? No. So what you because I use Hub twenty four for my personal superannuation as well. I I find the easiest way is on your phone. Sorry. If you have a smartphone, you can actually download an app with Hub twenty four. And then once you kind of actually, if you have a pen and paper, paper, I can read out because you need your account information, and then you just need to set a password. If you haven't kind of done it, it will ask you to to do that. But if you have a pen and paper or are able to note it, like, on notes on your phone, I can read out your login ID for you if you wanna note this down. So let me know when you're ready. Yep. So 13 676. So this is your login ID if you want it to go into your account yourself at any point in time. Yep. So 1367 6922. Now this is your login ID. So if you later go and download the Hub 24 app on your mobile phone, it will ask you for your login ID, which is the one I just gave you, and then it will ask you for a password. You can just create your own password, and then you have access to your account so that you can go and have a look at your super balance. You can always call us. We we always have access to it. You can always give us a call if you want a bit of an update. That way, it's really makes it easy if you wanna have a look at it whenever you want to. You can also do that quite easily just on your mobile phone as well. Alright. Let me have a look at that for you. Yes. Let me have a look at your statements for you. So Alright. So nothing in May or April. Nothing in January. Alright. Nothing in December or November. Let me have a look. Are you getting the rain at the moment as well? No? Oh, yeah. It's pouring down here. Now April. So I can see the last one was on the April 28, so 2025, and that was from a Sherian Contracting and Maintenance. It says Sheriden Contracting and Maintenance PTY LTD. It says S H E R I D A N. April twenty twenty five. And I can't see anything before then. I can see that's pretty regularly. So then if I keep going, I can see from the same company in February 2025, but then there was another one in February 2025 from a road and rail excavations. Yes. Yes. Correct. February 2025. The yeah. Twenty twenty five April, and that was the Sheridan Contracting and Maintenance. Yeah. So the one in April was for a $121.60. And then the same one that they did they did one in February 2025, and that was $58.73. And that road and rail excavation in February, they did $63.25. Yeah. And then you also had one in January 2025. You had two in January 2025, actually, from and that was a little bit bigger. It was from a you had a Carmen Construction, and then you Carmen yeah. And then you also had a okay. This I don't know how to pronounce this, so I will spell spell it through you. Sorry. It's j r a m a l c o, and that was a company. Yeah. And they put about 2572 in. Yep. So, yeah, perfect. Does that answer that question? Yeah. Yeah. Correct. Yes. Yep. Yep. Perfect. Now going back to the email, you should see let me see here. Also, your insurances. So you have insurance with one part, and you have life and total permanent disability insurance, and that is $297,124. Are you still happy with the level of cover for life and KPD if something were to happen? Yep. Perfect. Dominate. Correct. Yes. For life two separate. Sorry. Two separate. So you have one life, and that is yep. If something were to happen to you, whoever you nominate on the forms and in the will will get two 197,000. You also have a total permanent disability. So that is if something happened to you and you can never go back to work again, that is paid to you. So that is 297. Sorry. There's two. So one for the injury and then one for life. Yep. Now correct. That's that is what you are paying for for the insurances, so the insurance will pay that. Yes. Yep. And that is why it's good for those forms on the will because that means also so if something were to happen to you as well, your super will also be paid out. So your family would get that life policy of almost 300,000 plus your super balance of 87,000. Yep. Yep. Now you also have an income protection policy. Now this one here will pay you a monthly amount of 4,098. You have a thirty day waiting period and a six year benefit period. Now with the income protection because, obviously, your income has changed quite a bit. With income protection, now it can cover you for up to 70% of your income. So, obviously, you could, at the moment, be covered for more if something were to happen. It doesn't mean you have to do it if you're okay with what you are currently paying for, but you could potentially be eligible for it. What I do want to kind of let you know as well is that especially when it comes to kind of sole traders and stuff as well or when you more so when you move into a business point of view. If you have people working for you and you continue to make money even though you're not working, the insurance could potentially offset that as well. So something to be mindful of when you get through that point. But at the moment, if it's just you working and if something were to happen to you and you can't work tomorrow, you will not earn an income, then you would still be able to get paid out. Yep. Now with the mhmm. Yes. Yes. So 4,098. Now it will be taxed when it comes out as well. So you will pay tax on the amount based on your marginal tax rate. So it depends what your income is before going on claim and how much tax you pay, so it will be a little bit less. Yep. So thirty days. Yes. Now the good thing with OnePath is that aside from OnePath and in, and Zurich, they are the only insurer who pays a claim. So you have to wait the thirty days, but then also it's paid in arrears. So it's usually paid, like, behind. Now all the other insurers pay thirty days in behind. So that would mean when you have thirty days waiting, it will you will get the benefit after sixty days. One pass has a little bit better, which they only have to wait fifteen days. So if something were to happen and you're off work, it will mean you have to be off work for thirty days. And then after about two weeks, you will then start getting that monthly replay income replacement. So it's a little bit better. And OnePath is unique as well in that they have six years, whereas other insurers typically have five years. So if something were to happen and you are eligible, you could get that monthly benefit paid for up to six years. Yeah. Are you happy with how your income protection is at the moment with how much you are covered for? Or Mhmm. Yep. Yes. Mhmm. Yep. So how the income protection work is assessing 70% of your income at the time of claim. So if your income fluctuates quite a bit, it is something to be mindful of because how it works is, let's say, you earned a 180,000 last financial year. That would mean that you technically could have an income protection policy that would pay you 10,500 a month. Now, obviously, increasing to that will cost a lot more as well because you are getting a more benefit if something were to happen. But let's say we go and increase it and you are covered for 10,000, and let's say next financial year, you earn, let's say, a 120,000, even though you are covered for or paying for up to 10,000, because your income when you were to go on claim is less, you would only be eligible to receive 7,000 even though you're paying for more because your income has gone down. Does that make sense? So it's quite fluctuating. Yeah. Mhmm. Correct. We could increase it. However, the process would be if you wanted to increase it, it would mean that the insurance premium so at the moment, you can see there in front of you for life TPD and income participation the way that it is currently. After the tax rebate, it's 2,880. Now if we increase it to, let's say, 10,000 a month, and often they would need especially for sole traders, they need two years worth of income to assess your income for how much you're covered for. But let's say that you you have earned a 180 for the last two financial years. If we increase how much you would receive on a monthly basis, it's going to make the cost a lot more. Yeah. Yeah. So, obviously, as well, if you do So it would be to it would be to the insurer. So they would they would have the policy. So it would be cost you just pay the yeah. You pay the insurer directly. So it would be more. Now to go about quoting it, it's a bit of a process because it's very tailored and specific to you. So what the process is is if, let's say, you wanted to look at increasing the cover, we would because the insurance will reassess risk and everything like that again. So we would have to go through another pre assessment with you. So going through quite extensive, you know, that medicals and lifestyle and occupation. From that, I will send that information through the insurer, and they would then let me know quote an outcome. So because it's tailored to you. So it is a bit of a process. But if it is something that you want us to do, we could go through that. It's up to you. Yes. How what it would look like. Yeah. Now yeah. Perfect. Now with your income, you said, obviously, you're on track for a 180,000 this year. Do okay. So what we can do is that I can book you in for that pre assessment, and that will be with my colleague Whitlam. For that conversation, if you could have your income for this financial year and last financial year at hand, that will be good. Yep. Now when it comes through the benefit, so having the six years, are you still happy with the six years, or do you wanna look at alternative options? So getting paid for for six years. So how long you can receive the the monthly amount for? You happy with six? Yep. Perfect. And are you happy with that shorter waiting period of just the thirty days? Are you happy with with that? Yep. Okay. Beautiful. And you are still happy with life and TPD as is? It's mainly just looking at increasing your income protection? Yep. Yep. Yeah. No. Or only due to illness. Yeah. So it's only due to illness or accident. So if something were to happen and let's say yes. Correct. Yes. So if you have an an accident or an illness or anything that prevents you from working. Now that can happen anywhere. So Correct. Correct. Correct. Now what the insurance will also do is any preexisting condition, they will exclude. So that is something to be mindful of. If there is any preexisting condition, so let's say mental health, for example, because that happened after this policy was first taken out, on a new policy, it very much could mean that they will not cover mental health because that is a preexisting condition. So what the insurers do Correct. Correct. Yeah. Because you you had it were you diagnosed in 2024? Yes. Now let me just triple check here for you when your policy was put in force. So just bear with me. Yes. So I have here the ADHD was around twenty twenty four. Yeah. Now let me because I do have your application here is when we put your policy in force in December 2022. So let me just triple check that for you while I have it open. So, obviously, in 2024, if you had no mental health or ADHD or nothing like that, it will mean that you are covered. So if something were to happen tomorrow, let's say mental health, not great, and you need to take time off work because of it, you are currently covered if that's the case. On a new policy, what the insurers most likely will do when there's anything because mental health is so common. So many people nowadays yeah. So yeah. So what would happen on a new policy that we were to take out is that what the insurers are gonna do, because their job is just to assess risk. So all they look at is just like a paper of what the risk is of you claiming. So if there is anything preexisting, they will be well, we are not covering this because there's a higher chance of you claiming on it. So that that is kind of the the risk. Now let me have a look here. We did have anxiety listed on the form. Let me see here. No time of work. Let's see. No. That all looks good. Let me have a look here in the portal for you to see if I can see it as well. No. So you do not have a exclusion. So what would happen at the moment is that you would be covered for mental health on your current policy, which is good. That's good. We took it out early. So on a new one, they could say we're not covering it. So so that correct. Correct. Correct. Sorry. Yeah. Correct. Or if yeah. Or if it was some something else. Like, if if you broke your leg and you put it where Correct. If we were to keep that policy so when you rewrite a policy, we can either replace the one we have right now, which we would not want to do if you are covered for mental health. We wanna keep that in place. So you can look at, like, a top up amount, but the top up amount will most likely have the mental health exclusion. Are you still wanting to go down there looking at increasing it, or or what are your thoughts? Yep. Yes. Yes. Yep. And then you can decide. Correct. Correct. And then we'll take it. Yes. Okay. What it will be? Yeah. Of course. So what I will do is I will book you in, like I said, with my colleague, Whitlam. He will go through a couple of questionnaires and stuff with you. After that appointment, he will then pass it on to me. I will have a review of it, and I will go and speak to the insurance. As soon as I've heard back from the insurance, I would give you a call with the outcome, and then you can let me know what you would like to do. So when is a good time for you to go through that questionnaire? When it's a good time? Okay. Okay. Well, I will. Yep. Alright. The best time. Ten thirty? Okay. Well, I will put in a little call here. So on Tuesday, June 2, for Whitlam to give you a call at 10:30 to check-in your schedule. If you have if you have time then, you could potentially go through the questionnaire. If you don't have time then, he can then book you in for when you have a little bit more time. Yeah? Okay. I will put put that in. And on Tuesday for that call, if you could have the incoming information, that would be good. If you can't, that's okay. I will just need it before I speak to the insurer. Yep. Okay. Perfect. So that is booked in just for a bit of a quick call anyway on Tuesday, June 2 at 10:30 just to touch base to see how things are looking for you with time. No. That's alright. Mhmm. Mhmm. Mhmm. The tax, do you mean? Unfortunately, not. Yeah. That is that is separate. Now with the income protection, though, I do wanna let you know as well. So at the moment, you have it paid from super, which means you don't pay for anything out of pocket. Now you can have income protection paid outside, which would mean that you would pay for it yourself, but you do get a tax deduction on the premium. So sometimes business owners like that, but it also means that you would have to pay for it yourself. So it does depend on cash flow and budget and stuff like that. So for your income protection, so the one we are looking at increasing for you, you can pay for that either out of pocket, so from your bank account, or for a super the way that you currently have it. So, obviously, the way that it's currently structured is that you don't actually have to pay for it yourself. It just comes it comes out of super. So it doesn't impact your cash flow. Now you can have it paid from your pack cash flow. And if you do, you will get a tax deduction on the premium. So you could use that at your tax return to claim a bit of tax back. But it will but it will mean that you would have to pay, obviously, more yourself from a cash flow point of view. So yes. Yes. Sorry. That that Yes. And then we can see you. Yep. Yes. That's fine. Well, we can definitely reassess that. Now not too much to go left before I let you go and enjoy your afternoon, but there is a couple of more documents I do want to just quickly run through with you. Sorry. Back to the email, can you see the next one after that superann insurance summary? Can you see one where it says twelve months hub 24, like, performance with IRR. Correct. It's yeah. It's on the same money. Yes, please. Yep. Yep. Now this one here gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months. So your investments. So you probably have obviously seen the news and and heard that last twelve months, there's obviously been quite a bit of fluctuation in the market. First, we obviously had everything going on with The US. So you had, you know, Trump and tariffs and everything, which saw a bit of fluctuation in the market in the short term. And then more recently, obviously, everything going on with the war has seen a bit of fluctuation in the market. So it's been a little bit more turbulent twelve months because of everything going on the last twelve months. Despite despite all of that, though, your portfolio has still done pretty good, which is great. So after fees and this is also considering you haven't had any contributions from the employer come in during this time. So you haven't had any extra money go in. So this is from from May to May. It's still done pretty good. Now this all shows after fees as well, and it shows us that your portfolio overall is still up by 8.62% in the last twelve months just from your investments alone, which is pretty good. Yeah. Now with your investments, I do want to look at changing one of them for you, and that is your Benelong Australian equity. That is the only one that has underperformed. Everyone else have done really good. So if you are on the page, the one yeah. So so on the second column to the right, can you see where it says internal rate of return and a, like, a percentage? Yes. Now the one in bracket, so the first one, that is down. All the others are doing good. Can you see that? So when it has a bracket next to it, it means that it's down a little bit. All the others are up. Correct. So in the last twelve months. Yeah. Yeah. So that is in the last twelve months. Sorry. Yeah. So that is only a small portion of your portfolio, though. So even though that one has dropped, you can see that all the others have grown a lot. Yeah. So in the last twelve months, it is down by 18.87. Yeah. Yes. So I would like to look at changing that. Now sometimes when investments are down, it could be just because of a a market cycle. So sometimes the market goes through different cycles where some investments are doing better, others are doing worse, and it comes back around. It's kind of a cycle. We've been along we we always do a lot of research on the investments, and we've been along even though they were one of the best performing fund managers have done really well, more recently, they've been a bit slower in making the investment decision. And if we feel like it's not going to be the best option for you moving forward, we want to look at an alternative option that is going to put you in a better position. So we've done a lot of research on the Bennelong investment, and we have found the investment committee have found another option that we would like to look at changing it for you, and that is called yep. So that would be your beta shares a 200, it's called. Yep. Now because the Benelon Australian Equities invest in Australian equities or Australian companies, we wanna make sure that your portfolio overall is very diversified. So if we take out an Australian investment, we wanna look at changing it for another Australian investment because you still have quite a good of exposure to the globe in other investments, but we wanna make sure you have some in Australia as well. So the banner the BetaShares a two hundred is investing in the 200 largest companies in Australia. So very diversified for you. So you'll have all the the banks and Woolworths and all the big companies, BHB, in there. So, obviously, very diversified. And that one has performed better than Benelon, but it's also a bit cheaper because how that one is different is that it tracks the 200 largest. So as the company grows and gets bigger, it gets added to the 200 and something smaller comes out. The Bennelong is a little bit different that it is a managed fund. So their focus is to actively buy and sell different investments in order to kinda outperform the market. And sometimes that really works, and other times if they take a bet on something, it might not work out. So it can see a bit of more fluctuations as a result. So like I said, the investment committee have done a lot of research on the Bennelong investments and found a a good option, which is the beta shift a 200 just to swap it out for you to improve yeah. So what I can do is I will if you're happy with that, I can send you a document. Perfect. You don't need to sign it, but it is called a record of advice. It is just for your reference. I will email that through to you and then probably early next week just to let you know that we have done that one change for you. Yep. Perfect. Now, otherwise, back to the email. Yes. Yes, please. What can you see there? Yes. Correct. Now you can kind of skip that one because it just talks about your insurances again, which we've kind of already touched on. And then do you have a Vanguard index chart next? Yes. Perfect. So this one here, you probably have seen before, but it did it is a good visual representation of what we are talking about when we are talking about the market. Basically, you can see here, a long term position. So you can see the long term market always goes up, short term ups and downs and market fluctuations depending on what is going on in the world. Now how your money is currently invested as well is that we have you in a growth portfolio. Now growth portfolio and growth investors are typically people who are wanting to grow their super as much as possible while you still have plenty of time until retirement. We're also comfortable seeing some of those short term fluctuation in order to try to grow it in the long term. Now with a growth portfolio as well, we also want to make sure that you have enough time in the market for these kind of fluctuations to come back around. And we want to typically see at least six years until retirement in a growth portfolio. So from a growth portfolio point of view from a time frame point of view, you still have plenty of time in that portfolio if you are kind of happy with the level of risk and everything that you currently have. Yep. Perfect. Now just for your reference as well, you can see that how a growth portfolio is invested is that we have about 80% invested in your top four here. So you can see your US shares, which is, like, the light green one, your Australian shares, which is, like, your dark green one, international shares, which is, like, your yellow, and then the property, which is, like, your maroon color. Now these are the ones grows the most, also fluctuates the most. You have then 20% in those bottom three. So these are the ones that you can see that don't grow near as much. They kind of are a bit more stable. So we wanna have some of that component as well because we don't want too much of that ups and down at the same time. So that is kind of how that is at the moment for you. Yep. Perfect. Now the if you click next for me, it is a financial services guide. You would have seen this one before. It's just just one of those compliance forms. None of the important information has changed. And if you can then scroll to after page three of that document, it should take you to one where it says OQ services guide. Can you see where I'm at? Yep. Now this one here, again, it is another compliance form. It's one you would have seen every 100 of you. It is just a bit of an updated version. Again, none of the important information has changed, but we've had a bit of an extension through the team, which is great, and a bit of update to marketing. So as you scroll through this document, and if you do, want to put a face to the voice and see who you are talking with today, if you want to scroll down to page 10 of this document, you will then see a photo of myself. And sometimes it is nice to put a face to the voice if we're not catching up face to face. Yeah. Perfect. Now as you then kind of keep scrolling through, you will see the team. I'll let you kind of have a read over this in your own time. And that should then take you through one that's called a option to provide tax file number. Yes. Perfect. Now this is another compliance form, but, basically, it just at the bottom, you can there should be a little signature box for you to sign. Later. So if you kind of so so keep scrolling in that document. You will get to the end of it, which is then page 19. And if you press next next document. Yes. Can you see that now? Yes. Now this one here will ask for your signature, and it is just a compliance form. And just to let you know that we are keeping your tax file number secure and safe on file. So it will ask you for a little signature and a date there. Yep. Perfect. And then the next one, which is your last document, twenty eighth twenty eighth of May. Yeah. Yes. Yes. Now this is your last one. Now this one here should say consent to new ongoing fee arrangement with hub twenty four. Can you see that? The next document, so the last one, does it say at the top consent to new ongoing fee? Yes. Now this one here, it is your ongoing service agreement. Now that is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at one point $6.05. No changes at all in regards to that, and it is not a locking contract. So at any point in time, you are not happy. It is not a locking contract. But by signing this, it allows us to keep servicing your investments and your accounts and insurances and everything for you in the meantime. Yep. Perfect. Mhmm. Yes. Yes. Of course. So if you do have someone that you know that would benefit from our services, and it is a free review. So if it is someone that would be open to having a bit of a chat to us to see if we can help them, we we can definitely do that. We're always open to speaking to new clients. And if it is we take everybody. So we'll have a look at everyone's situation. Now we have we have clients who are investors themselves. We have, you know, lawyers and doctors. We also just have, you know, school teachers, all kinds of things. Minors lot of minors, lot of construction workers. So we we have a lot of different clientele, which is great. So if there are clients who are investors themselves that want assistance with super insurance investments or anything like that, or even your, you know, your your everyday person as well who don't do it, we are more than happy to speak through to anyone to see if we can help them. Then, obviously, everyone will have different needs and what they want, and we can then tailor that based on where they're at and what they are after. Yep. Do you have someone in mind, or is there more just have a bit of a think? Yes. And have a chat to them as well because if that what yeah. Yeah. Could help them. Yeah. So if there is anyone, because we do have a bit of a referral partnership as well, is that if you find someone who are interested and are do sign on board as a client, you will actually get a a gift voucher as well to say thank you. So what I would suggest is that if you do speak to someone and they are happy to have a a complimentary free of charge chat, ask them to email me, and that would just be veronicawithak@oakviewfinancial.com.au, and tell them to put your name that you refer them. Because what that means is that if they come on board, then you will get a get a little gift card if we know that you are the one who refer them. So, yeah, always more than happy to if there is someone, it's complimentary. It's free. Always good to have a bit of a chat to see if we can help them. And if if not, at least there's a bit of information hopefully for them, and hopefully, we can also help them and and put them in a better position irrespective of where they are and and what they want and what they need. Yep. Beautiful. Now, Barry, I can see that that document has come through, which is great. So I will let the team, know, and we will get that all sorted for you. Now, basically, from here, as a bit of a recap, I will also get the team next week to email you those beneficiary forms for your super and insurances for your family. I will also send you that ROA, the record of advice to show you that one investment change we spoke about. And then on Tuesday, at 10:30, Whitlam will give you a bit of a call to see how you're going for time and then look at investigating that insurance policy for you in a little bit more detail. Yep. Beautiful. Now do you have any other questions for me before I let you go and enjoy the rest of your evening? No? Perfect. If you think of anything, though no. That's all good. Yeah. If you do have anything, let me know. Like I said, if you have anyone, more than happy for them to email me. Just let them know to put your details in, just your your first name and last name, especially from the conversation today. I'll I'll know that, and we'll see if we can help them as well. But, otherwise, I hope you enjoy the rest of your afternoon there, Barry, and we look forward to speaking with you on Tuesday. Mhmm. No problem. We'll no problem. We'll speak soon. 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hello? Sure thing. Just give me two secs to get it all up again. And he's passing. Okay.\n\nYou have the new one? Yes. Actually. Oh, alright. Perfect.\n\nWell, I won't worry about the the address, but I'll just steal it off the notes for the faxman later. Sure. You can send him through. Good afternoon, Barry. This is Veronica speaking.\n\nHow are you? Yeah. Good. Thanks. Thanks for returning my callback.\n\nNo worries. You still have time to go over the annual review? Mhmm. No. Okay.\n\nOkay. No. That's that's okay. You don't don't yeah. Alright.\n\nPerfect. Now before I kind of jump into the under review there with you, Barry, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up? Yep. Yep. Yes.\n\nOkay. Okay. So just yep. Okay. No.\n\nThat's all good. Okay. Yep. Perfect. We can definitely have a bit of a look at that for you.\n\nNow before I kind of jump into your superannuation side, it is easier when you when you are home. But what's quite easy to do while you're okay. Oh, perfect. That's convenient. That's good.\n\nSo what I might do while you are kind of walking and getting settled is just to go through a bit of an updated fax line with you first just to see if there is anything else, like, anything major that has changed in your life or if we need to make any changes to your advice. Now I know Maddie already told me that she will update the address for you, which is good. Otherwise, when it comes to your personal information, I have you down here as single with no financial dependent. Is that still the case? Yep.\n\nBeautiful. Now I don't actually have a next of kin on file for you. So that can be anybody and just someone you would like us to contact in the event that we just cannot get in touch with you. Yeah. It could be anybody, and they don't have any, like yep.\n\nOkay. Yep. Yeah. Perfect. I'm sorry.\n\nCould you just repeat the name again for me? How would you spell that? Yep. Yep. Perfect.\n\nAnd, just relationship to yourself, just a friend or was it a family connection? Oh, perfect. So family. And just best contact number? Sure.\n\nYep. Yep. 919. Beautiful. Thank you so much.\n\nNow when it comes to occupation, has any of that changed, or you're still working as a trade assistant? Oh, nice. And what kind of business do you have? Yeah. Oh, yeah.\n\nSoul Trader. Perfect. And when did you change to that? Oh, yeah. Perfect.\n\nAnd how is it all going so far? How is it all going so far? Yeah. That's good, though. Yeah.\n\nYeah. Balance. Yeah. Yeah. Do you is it just yourself?\n\nDo you have someone else working as well? Yeah. But now it's just getting also yeah. Yeah. Yeah.\n\nAnd you work, obviously, full time hours? Yes. Yeah. Ah, yeah. Okay.\n\nYeah. Okay. Perfect. No. And totally, obviously, weather stuff.\n\nThe last the last few weeks have been not so fun. So much rain. Yeah. No. Yeah.\n\nSo we're up on the Gold Coast. Yeah. We're up in Southport. Yeah. What's your what's your new suburb?\n\nWhere whereabouts in the Queensland Gold Coast? Oh, yeah. Nice. Oh, well, that's close. But if it if you ever are up, obviously, towards Southport and you want to do a review or anything in person, just let us know because you're always more than welcome to come into the office as well if you, would prefer.\n\nYeah. Yeah. We'll just yeah. Just let us know next time if, yeah, yeah, if you just wanna wanna pop in, especially now when it's nice and clean. Yeah.\n\nYeah. Perfect. Well, I'll make a little note, especially now when you are nice and close. But, yeah, I have had a lot of rain brought a lot of rain recently. Now income wise, I probably understand that it will fluctuate a little bit.\n\nBut do you know roughly what are you on track to for, like, this money issue here? Do you know your rough income that I you'll pay yourself About alright. Perfect. So about 180 ish. Now contribution wise, because now when you're a sole trader, it's obviously up to you if you are wanting to make contributions.\n\nAre you Mhmm. Mhmm. Yes. Yeah. And are you doing anything at the moment, or are you planning on or just kind of seeing how the business goes first?\n\nMhmm. Pay for Yeah. Yeah. If you are con contracted. So that that will be good.\n\nYeah. Oh, okay. Great. Perfect. Yes.\n\nNo. Definitely. Yeah. If you are contract contractor, then that will be the case. So then do you think roughly it'll be the same?\n\nLike, you will be contracted under around a 180 a year? Mhmm. Mhmm. Okay. Okay.\n\nMhmm. Okay. Yep. Yeah. Okay.\n\nYeah. No. That's okay. And, obviously, especially with the business and contract and everything, I completely understand that things do fluctuate and depends on that. So that's no problem.\n\nI'll just make a little note. And then after the line stuff, we can just kind of keep an eye on those contributions anyway when they drop in your hub 24 for you and have a bit of a look at that. Yes. Yes. And the more you do as well.\n\nYeah. Yeah. Yeah. Yep. Yes.\n\nYes. Yeah. And do you have do you have a good accountant to help you with yeah. Oh, great. Okay.\n\nYep. Oh, I was just going to to ask if you do if you don't have one, we do work closely with with an accountant firm up here. So if it is that you wanted a referral or assistance, especially, like, setting up the business can be a bit tricky. Yeah. Yep.\n\nAnd just let us know if it changes. Yeah. Yeah. What's happening? Yeah.\n\nThat's fine. And just let us know, you know, if it is ever a point that you go, oh, do you know what? I wanna have a bit of a chat to them or see if I can yeah. Yeah. Yeah.\n\nYeah. Yeah. Can be harder. Yep. Yeah.\n\nNo. And a lot of locals are like that as well. And we do offer that, like I said earlier. So we're just up in Southport. You're always always more than welcome to have any appointments face to face, especially now when you are local.\n\nSo I'll make a little note that you do prefer face to face where possible. And, yeah, where if you do change your mind and you do wanna talk to an accountant, just send us an email, give us a call, and we can always then get them through reach out and have a bit of a chat to you. Yep. Perfect. Now when it comes to your assets and liabilities, I have here that you have about $5,000 worth of investments, like, personal investments.\n\nIs that still the case? Okay. Yeah. No. And is that just kind of on an investment platform?\n\nOr Yes. Yeah. Yeah. Mhmm. Okay.\n\nNo. That's alright. Otherwise, do you have a motor vehicle or motorbike or anything like that? Nope. Yes.\n\nYeah. She said no. It was yeah. It was Maddie who took the reception inbound call. She actually said that.\n\nShe's like, oh, funny enough. You're now living in my old building. Yeah. At least the train would be nice at moments with the still the 50¢. Tram fare fares, is it?\n\nWell, I live up in Pacific Pines, so closer to, like, other side of, like, Helensvale and stuff. And just, yeah, just work in Southport. And it's it's good. Like, they it is convenient, but it depends what you're after as well because I live in a house, and there's not that many houses potentially in Southport. It's a lot more like apartment buildings and duplexes and stuff.\n\nSo it does depend like, it is convenient. I think it's a little bit cheaper than other suburbs. There are certain area that's a little bit rougher than others, but so you'll get in any suburb, I think. So if if it's more around, like, the back of Australia Fair and stuff, sometimes, like, kinda where the hub is. Sometimes you get, yeah, a little bit of rough roughness, but, yeah, you'll get that in, yeah, you get that in a lot of suburbs.\n\nBut then there are other sites points of Southport, which is really nice, especially as you get, like, closer to the water and stuff. So I think you can find good areas. Just kind of if you do go and have a look at some places, I would just kind of have a look around a little bit as well just to make sure it's kind of, like, one of the nice nice ones. But it is very good and convenient. It is close to a lot of things.\n\nYeah. And I think Maddie enjoyed living there as well. And, yeah, a few other colleagues live around the area too, and they all enjoy it. Yeah. Otherwise, I have here $2,000 of about credit cards.\n\nIs that still the case? Yep. Perfect. And then a loan of about 1,200. Nope.\n\nOh, beautiful. That's great. Any other assets that we haven't gone over otherwise? Any, like, savings in the bank or anything else? Or yes.\n\nYes. Perfect. Now health and lifestyle wise, are you a smoker? Nope. And have you had any changes to your health in the last twelve months?\n\nAny significant health issues or injuries or anything? Yeah. Yeah. Yeah. That's good.\n\nBut, otherwise, yeah, you're not having any too many troubles or anything health wise. It's all going alright? No. Oh, great. Yeah.\n\nThat's good. Now that's right. Barry, do you have private health insurance? Nope. Might be worth having a look at at some point for you just from an income point of view, at least.\n\nBecause you are now a high income earner, what that will mean as well, which your accountant should be able to kind of calculate all of that for you this financial year, is that because you have exceeded the now in through the high income earner, it will mean that if you do not have private health or hospital cover, that you would pay a medical levy surcharge. That is you you know about that? Mhmm. Mhmm. Okay.\n\nMhmm. Yep. Yeah. And I, yeah, I used to be the same. So I'm Swedish.\n\nSo if you do have a bit of an accent, that's why. And I'm now dual citizen, so I have Swedish as well. And when I came over, it was partnership between Sweden and Australia, so I had Medicare and stuff like that. This this is a little bit different in that basically, because, obviously, you have public hospitals and stuff where they are encouraging high income earners kind of regardless of yeah. Just to kind of assist, and they do put an additional tax on high income earners if you do not have private health insurance.\n\nSo it might be worth and sometimes it turns out that you pay a little bit more extra tax, but it's actually a lot cheaper than the private health insurance. Sometimes it turns out the other way depending on how high your income is. That sometimes like, I have a lot of clients who just take out private health insurance just, like, the minimum cover just to not having to pay additional tax. But definitely chat to your accountant because they are obviously the expert when it comes to that. Just something to be mindful of.\n\nAnd when you do chat to them as well, just they they'll be able to calculate all of that for you and see where you're at and how how much that would all potentially be and stuff. So just something to be a little bit mindful of now when your income has gone up quite a bit. Yep. Perfect. Otherwise, when it comes to estate planning, do you have a will or anyone who makes any financial decisions on your behalf?\n\nNo. Okay. Mhmm. Yeah. Okay.\n\nPerfect. So kind of in the pro. Yep. Yeah. Yes.\n\nOf course. Yes. Yeah. And that makes sense. And yeah.\n\nYeah. That's nice. Yeah. And that's nice. And when it comes through super end insurances, so we don't have a current nomination on file for you.\n\nSo that is if something ever were to happen to you, like, you were to pass away, who would then receive your benefit? Do you know who you would like to nominate for to receive that? Would that be your family again? Yep. Now does any of your family members live with you currently or rely on you financially?\n\nNo. So when it comes through the superannuation legislation here in Australia, they they are restrictions on who you can actually nominate directly through the CISSPAC. So the only people that you can nominate, like, directly on a form is a spouse, a child, or someone in a financial dependent or interdependent relationship with, which a lot of clients, if if you don't have a spouse or children or you wanna give it through, like, nephews and nieces or family members and brothers and sisters and mom and dad, which is super common, you can still do it. We would just have to structure stuff a little bit differently. So the way that we would go around it is that on the forms for your super and insurances, you would put down that you nominate a legal personal representative, which essentially is just a fancy word for saying that it goes to your will.\n\nThen in your will, you can nominate whomever you want. So then in your will, you can say that you want it to go to x y zed and so many portions. And in the will, you can even do a bit of a succession sometimes as well, where you can say first person this, but if something were to happen, this one and this one, etcetera. The only reason we have to do it this way is because super and insurance does not automatically form part of the estate. So you can have it completely different to your estate.\n\nIf there is no nomination in place, it could go to your estate regardless, but the trustee of the super or your insurances could also decide if there is someone that tries to come forth and make a claim for it. So it is important to have a look at when you have a moment, and that would be through to have a look at that will if it was finalized or where it's at, and then include in that what you want to do with your super and your insurance. Now under then the forms that we'll submit to your super fund and your insurance company, do you have access to a printer, or do you prefer things to be posted to you? Posted? Nice and close.\n\nOkay. Well, what I can well, oh, yes. Email it it it just has to be printed at some some place, even, like, office work or library or something? Yes. Okay.\n\nPerfect. Yeah. So what I will do then, that way you'd also have it in your inbox as a bit of a reminder, is that I will get the team to email you the form, have a look at them. And like I said, if you do wanna give it to your family members, just complete it a a 100% to your legal personal representative, and then make sure you do note it in the will as well. Does that all make sense?\n\nYep. Beautiful. Yeah. Sorry. Because you have your super with hub twenty four?\n\nYeah. So do you have a c bus account that you opened up as well, or you mean from your old one? Okay. Let me just check here for you. And yeah.\n\nSo let me just get, just bear with me. Let me get all this information up for you. Now are you still receiving statements from Cebus? Yeah. No.\n\nThat's okay. They should email it through you as well because yeah. No. That's alright. Because I can see here that when you obviously came on board and we did your initial advice, you used to be with CBAS.\n\nAnd you had a bit of money in Cbus, but that was all, by the looks of it, transferred and consolidated to hub twenty four where you currently have your super. But let me just triple check the transactions because on on our end, it looks like that was all finalized and that you don't have it open anymore unless you've put any contributions or anything afterwards into it. No. No? Yes.\n\nYeah. Sorry. I have your your hub 24 that I've actually emailed you, which does have your your current super balance as well. Now I do wanna just triple check because just that your c bus was completely closed down from our end because it looks like it was, but I do wanna triple check that for you while I'm in your account. No.\n\nSo when you when you oh, yes. Yeah. So no. The reason was that when you came on board in 2022, you obviously had advice with the director, Sabrina Sarta. And part of the advice was to, obviously, assess your superannuation and assess if that was a more suitable option that was going to do a little bit better for you, as well as looking at your comprehensive insurances.\n\nNow having a look at that document, because I do have it in front of me as well, obviously, every time we do make a recommendation, there's a lot of research that goes into it to make sure that if we switch your super funds, it is going to put you in a better position. So factoring in, obviously, fees and returns and everything, because we are bound by that best interest duty, which means that we always have to act in your best interest at all time, and the advice we put together has to put you in a better position. Now having a bit of a look at this, it was recommended that you change from CBA to Hub 20 four. Okay. Hub twenty four.\n\nYou're balanced. Oh, okay. Perfect. I thought you were asking why c bus was shut down. No.\n\nThat's okay. It's in your mind. No. That's okay. I was no.\n\nNo. That's okay. Because I was like, no. I don't have c Bus here. That's all closed now.\n\nWhat? No. No. No. Your super is very much still here.\n\nIt's just not with CBass. It's with Hub twenty four. So we're on the we we're on the right. Yes. It's very much here.\n\nNow, Barry, do you have access to your emails? Because I have actually sent you a couple of documents, and part of that is showing you your current super balance, your performance, your insurances, and everything so that you can see it. Yeah. Sure. Yeah.\n\nThat's okay. Yeah. Most people most people do that as well. Yeah. No.\n\nThat's that's all good. Now we have recently changed the software as well, so it could end up in spam folder potentially. Yeah. Yes. That's me.\n\nMhmm. Yes. Yes. But if you click on that, it will show you all the documents before asking you to sign anything, and that gives you a breakdown of everything today. Correct.\n\nYes. So if if you wanna click on that for me, it should open up a couple of documents. The first one should say summary of superannuation. Can you see that document? Yes.\n\nPerfect. Yep. Now that tells us here that your superannuation balance is $87,234.99. Now do you have access to HUB 24 as well if you ever just wanted to go in and see how much is there? We'll check anything yourself quickly as well.\n\nDo you have all your login details and everything? No. So what you because I use Hub twenty four for my personal superannuation as well. I I find the easiest way is on your phone. Sorry.\n\nIf you have a smartphone, you can actually download an app with Hub twenty four. And then once you kind of actually, if you have a pen and paper, paper, I can read out because you need your account information, and then you just need to set a password. If you haven't kind of done it, it will ask you to to do that. But if you have a pen and paper or are able to note it, like, on notes on your phone, I can read out your login ID for you if you wanna note this down. So let me know when you're ready.\n\nYep. So 13 676. So this is your login ID if you want it to go into your account yourself at any point in time. Yep. So 1367 6922.\n\nNow this is your login ID. So if you later go and download the Hub 24 app on your mobile phone, it will ask you for your login ID, which is the one I just gave you, and then it will ask you for a password. You can just create your own password, and then you have access to your account so that you can go and have a look at your super balance. You can always call us. We we always have access to it.\n\nYou can always give us a call if you want a bit of an update. That way, it's really makes it easy if you wanna have a look at it whenever you want to. You can also do that quite easily just on your mobile phone as well. Alright. Let me have a look at that for you.\n\nYes. Let me have a look at your statements for you. So Alright. So nothing in May or April. Nothing in January.\n\nAlright. Nothing in December or November. Let me have a look. Are you getting the rain at the moment as well? No?\n\nOh, yeah. It's pouring down here. Now April. So I can see the last one was on the April 28, so 2025, and that was from a Sherian Contracting and Maintenance. It says Sheriden Contracting and Maintenance PTY LTD.\n\nIt says S H E R I D A N. April twenty twenty five. And I can't see anything before then. I can see that's pretty regularly. So then if I keep going, I can see from the same company in February 2025, but then there was another one in February 2025 from a road and rail excavations.\n\nYes. Yes. Correct. February 2025. The yeah.\n\nTwenty twenty five April, and that was the Sheridan Contracting and Maintenance. Yeah. So the one in April was for a $121.60. And then the same one that they did they did one in February 2025, and that was $58.73. And that road and rail excavation in February, they did $63.25.\n\nYeah. And then you also had one in January 2025. You had two in January 2025, actually, from and that was a little bit bigger. It was from a you had a Carmen Construction, and then you Carmen yeah. And then you also had a okay.\n\nThis I don't know how to pronounce this, so I will spell spell it through you. Sorry. It's j r a m a l c o, and that was a company. Yeah. And they put about 2572 in.\n\nYep. So, yeah, perfect. Does that answer that question? Yeah. Yeah.\n\nCorrect. Yes. Yep. Yep. Perfect.\n\nNow going back to the email, you should see let me see here. Also, your insurances. So you have insurance with one part, and you have life and total permanent disability insurance, and that is $297,124. Are you still happy with the level of cover for life and KPD if something were to happen? Yep.\n\nPerfect. Dominate. Correct. Yes. For life two separate.\n\nSorry. Two separate. So you have one life, and that is yep. If something were to happen to you, whoever you nominate on the forms and in the will will get two 197,000. You also have a total permanent disability.\n\nSo that is if something happened to you and you can never go back to work again, that is paid to you. So that is 297. Sorry. There's two. So one for the injury and then one for life.\n\nYep. Now correct. That's that is what you are paying for for the insurances, so the insurance will pay that. Yes. Yep.\n\nAnd that is why it's good for those forms on the will because that means also so if something were to happen to you as well, your super will also be paid out. So your family would get that life policy of almost 300,000 plus your super balance of 87,000. Yep. Yep. Now you also have an income protection policy.\n\nNow this one here will pay you a monthly amount of 4,098. You have a thirty day waiting period and a six year benefit period. Now with the income protection because, obviously, your income has changed quite a bit. With income protection, now it can cover you for up to 70% of your income. So, obviously, you could, at the moment, be covered for more if something were to happen.\n\nIt doesn't mean you have to do it if you're okay with what you are currently paying for, but you could potentially be eligible for it. What I do want to kind of let you know as well is that especially when it comes to kind of sole traders and stuff as well or when you more so when you move into a business point of view. If you have people working for you and you continue to make money even though you're not working, the insurance could potentially offset that as well. So something to be mindful of when you get through that point. But at the moment, if it's just you working and if something were to happen to you and you can't work tomorrow, you will not earn an income, then you would still be able to get paid out.\n\nYep. Now with the mhmm. Yes. Yes. So 4,098.\n\nNow it will be taxed when it comes out as well. So you will pay tax on the amount based on your marginal tax rate. So it depends what your income is before going on claim and how much tax you pay, so it will be a little bit less. Yep. So thirty days.\n\nYes. Now the good thing with OnePath is that aside from OnePath and in, and Zurich, they are the only insurer who pays a claim. So you have to wait the thirty days, but then also it's paid in arrears. So it's usually paid, like, behind. Now all the other insurers pay thirty days in behind.\n\nSo that would mean when you have thirty days waiting, it will you will get the benefit after sixty days. One pass has a little bit better, which they only have to wait fifteen days. So if something were to happen and you're off work, it will mean you have to be off work for thirty days. And then after about two weeks, you will then start getting that monthly replay income replacement. So it's a little bit better.\n\nAnd OnePath is unique as well in that they have six years, whereas other insurers typically have five years. So if something were to happen and you are eligible, you could get that monthly benefit paid for up to six years. Yeah. Are you happy with how your income protection is at the moment with how much you are covered for? Or Mhmm.\n\nYep. Yes. Mhmm. Yep. So how the income protection work is assessing 70% of your income at the time of claim.\n\nSo if your income fluctuates quite a bit, it is something to be mindful of because how it works is, let's say, you earned a 180,000 last financial year. That would mean that you technically could have an income protection policy that would pay you 10,500 a month. Now, obviously, increasing to that will cost a lot more as well because you are getting a more benefit if something were to happen. But let's say we go and increase it and you are covered for 10,000, and let's say next financial year, you earn, let's say, a 120,000, even though you are covered for or paying for up to 10,000, because your income when you were to go on claim is less, you would only be eligible to receive 7,000 even though you're paying for more because your income has gone down. Does that make sense?\n\nSo it's quite fluctuating. Yeah. Mhmm. Correct. We could increase it.\n\nHowever, the process would be if you wanted to increase it, it would mean that the insurance premium so at the moment, you can see there in front of you for life TPD and income participation the way that it is currently. After the tax rebate, it's 2,880. Now if we increase it to, let's say, 10,000 a month, and often they would need especially for sole traders, they need two years worth of income to assess your income for how much you're covered for. But let's say that you you have earned a 180 for the last two financial years. If we increase how much you would receive on a monthly basis, it's going to make the cost a lot more.\n\nYeah. Yeah. So, obviously, as well, if you do So it would be to it would be to the insurer. So they would they would have the policy. So it would be cost you just pay the yeah.\n\nYou pay the insurer directly. So it would be more. Now to go about quoting it, it's a bit of a process because it's very tailored and specific to you. So what the process is is if, let's say, you wanted to look at increasing the cover, we would because the insurance will reassess risk and everything like that again. So we would have to go through another pre assessment with you.\n\nSo going through quite extensive, you know, that medicals and lifestyle and occupation. From that, I will send that information through the insurer, and they would then let me know quote an outcome. So because it's tailored to you. So it is a bit of a process. But if it is something that you want us to do, we could go through that.\n\nIt's up to you. Yes. How what it would look like. Yeah. Now yeah.\n\nPerfect. Now with your income, you said, obviously, you're on track for a 180,000 this year. Do okay. So what we can do is that I can book you in for that pre assessment, and that will be with my colleague Whitlam. For that conversation, if you could have your income for this financial year and last financial year at hand, that will be good.\n\nYep. Now when it comes through the benefit, so having the six years, are you still happy with the six years, or do you wanna look at alternative options? So getting paid for for six years. So how long you can receive the the monthly amount for? You happy with six?\n\nYep. Perfect. And are you happy with that shorter waiting period of just the thirty days? Are you happy with with that? Yep.\n\nOkay. Beautiful. And you are still happy with life and TPD as is? It's mainly just looking at increasing your income protection? Yep.\n\nYep. Yeah. No. Or only due to illness. Yeah.\n\nSo it's only due to illness or accident. So if something were to happen and let's say yes. Correct. Yes. So if you have an an accident or an illness or anything that prevents you from working.\n\nNow that can happen anywhere. So Correct. Correct. Correct. Now what the insurance will also do is any preexisting condition, they will exclude.\n\nSo that is something to be mindful of. If there is any preexisting condition, so let's say mental health, for example, because that happened after this policy was first taken out, on a new policy, it very much could mean that they will not cover mental health because that is a preexisting condition. So what the insurers do Correct. Correct. Yeah.\n\nBecause you you had it were you diagnosed in 2024? Yes. Now let me just triple check here for you when your policy was put in force. So just bear with me. Yes.\n\nSo I have here the ADHD was around twenty twenty four. Yeah. Now let me because I do have your application here is when we put your policy in force in December 2022. So let me just triple check that for you while I have it open. So, obviously, in 2024, if you had no mental health or ADHD or nothing like that, it will mean that you are covered.\n\nSo if something were to happen tomorrow, let's say mental health, not great, and you need to take time off work because of it, you are currently covered if that's the case. On a new policy, what the insurers most likely will do when there's anything because mental health is so common. So many people nowadays yeah. So yeah. So what would happen on a new policy that we were to take out is that what the insurers are gonna do, because their job is just to assess risk.\n\nSo all they look at is just like a paper of what the risk is of you claiming. So if there is anything preexisting, they will be well, we are not covering this because there's a higher chance of you claiming on it. So that that is kind of the the risk. Now let me have a look here. We did have anxiety listed on the form.\n\nLet me see here. No time of work. Let's see. No. That all looks good.\n\nLet me have a look here in the portal for you to see if I can see it as well. No. So you do not have a exclusion. So what would happen at the moment is that you would be covered for mental health on your current policy, which is good. That's good.\n\nWe took it out early. So on a new one, they could say we're not covering it. So so that correct. Correct. Correct.\n\nSorry. Yeah. Correct. Or if yeah. Or if it was some something else.\n\nLike, if if you broke your leg and you put it where Correct. If we were to keep that policy so when you rewrite a policy, we can either replace the one we have right now, which we would not want to do if you are covered for mental health. We wanna keep that in place. So you can look at, like, a top up amount, but the top up amount will most likely have the mental health exclusion. Are you still wanting to go down there looking at increasing it, or or what are your thoughts?\n\nYep. Yes. Yes. Yep. And then you can decide.\n\nCorrect. Correct. And then we'll take it. Yes. Okay.\n\nWhat it will be? Yeah. Of course. So what I will do is I will book you in, like I said, with my colleague, Whitlam. He will go through a couple of questionnaires and stuff with you.\n\nAfter that appointment, he will then pass it on to me. I will have a review of it, and I will go and speak to the insurance. As soon as I've heard back from the insurance, I would give you a call with the outcome, and then you can let me know what you would like to do. So when is a good time for you to go through that questionnaire? When it's a good time?\n\nOkay. Okay. Well, I will. Yep. Alright.\n\nThe best time. Ten thirty? Okay. Well, I will put in a little call here. So on Tuesday, June 2, for Whitlam to give you a call at 10:30 to check-in your schedule.\n\nIf you have if you have time then, you could potentially go through the questionnaire. If you don't have time then, he can then book you in for when you have a little bit more time. Yeah? Okay. I will put put that in.\n\nAnd on Tuesday for that call, if you could have the incoming information, that would be good. If you can't, that's okay. I will just need it before I speak to the insurer. Yep. Okay.\n\nPerfect. So that is booked in just for a bit of a quick call anyway on Tuesday, June 2 at 10:30 just to touch base to see how things are looking for you with time. No. That's alright. Mhmm.\n\nMhmm. Mhmm. The tax, do you mean? Unfortunately, not. Yeah.\n\nThat is that is separate. Now with the income protection, though, I do wanna let you know as well. So at the moment, you have it paid from super, which means you don't pay for anything out of pocket. Now you can have income protection paid outside, which would mean that you would pay for it yourself, but you do get a tax deduction on the premium. So sometimes business owners like that, but it also means that you would have to pay for it yourself.\n\nSo it does depend on cash flow and budget and stuff like that. So for your income protection, so the one we are looking at increasing for you, you can pay for that either out of pocket, so from your bank account, or for a super the way that you currently have it. So, obviously, the way that it's currently structured is that you don't actually have to pay for it yourself. It just comes it comes out of super. So it doesn't impact your cash flow.\n\nNow you can have it paid from your pack cash flow. And if you do, you will get a tax deduction on the premium. So you could use that at your tax return to claim a bit of tax back. But it will but it will mean that you would have to pay, obviously, more yourself from a cash flow point of view. So yes.\n\nYes. Sorry. That that Yes. And then we can see you. Yep.\n\nYes. That's fine. Well, we can definitely reassess that. Now not too much to go left before I let you go and enjoy your afternoon, but there is a couple of more documents I do want to just quickly run through with you. Sorry.\n\nBack to the email, can you see the next one after that superann insurance summary? Can you see one where it says twelve months hub 24, like, performance with IRR. Correct. It's yeah. It's on the same money.\n\nYes, please. Yep. Yep. Now this one here gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months. So your investments.\n\nSo you probably have obviously seen the news and and heard that last twelve months, there's obviously been quite a bit of fluctuation in the market. First, we obviously had everything going on with The US. So you had, you know, Trump and tariffs and everything, which saw a bit of fluctuation in the market in the short term. And then more recently, obviously, everything going on with the war has seen a bit of fluctuation in the market. So it's been a little bit more turbulent twelve months because of everything going on the last twelve months.\n\nDespite despite all of that, though, your portfolio has still done pretty good, which is great. So after fees and this is also considering you haven't had any contributions from the employer come in during this time. So you haven't had any extra money go in. So this is from from May to May. It's still done pretty good.\n\nNow this all shows after fees as well, and it shows us that your portfolio overall is still up by 8.62% in the last twelve months just from your investments alone, which is pretty good. Yeah. Now with your investments, I do want to look at changing one of them for you, and that is your Benelong Australian equity. That is the only one that has underperformed. Everyone else have done really good.\n\nSo if you are on the page, the one yeah. So so on the second column to the right, can you see where it says internal rate of return and a, like, a percentage? Yes. Now the one in bracket, so the first one, that is down. All the others are doing good.\n\nCan you see that? So when it has a bracket next to it, it means that it's down a little bit. All the others are up. Correct. So in the last twelve months.\n\nYeah. Yeah. So that is in the last twelve months. Sorry. Yeah.\n\nSo that is only a small portion of your portfolio, though. So even though that one has dropped, you can see that all the others have grown a lot. Yeah. So in the last twelve months, it is down by 18.87. Yeah.\n\nYes. So I would like to look at changing that. Now sometimes when investments are down, it could be just because of a a market cycle. So sometimes the market goes through different cycles where some investments are doing better, others are doing worse, and it comes back around. It's kind of a cycle.\n\nWe've been along we we always do a lot of research on the investments, and we've been along even though they were one of the best performing fund managers have done really well, more recently, they've been a bit slower in making the investment decision. And if we feel like it's not going to be the best option for you moving forward, we want to look at an alternative option that is going to put you in a better position. So we've done a lot of research on the Bennelong investment, and we have found the investment committee have found another option that we would like to look at changing it for you, and that is called yep. So that would be your beta shares a 200, it's called. Yep.\n\nNow because the Benelon Australian Equities invest in Australian equities or Australian companies, we wanna make sure that your portfolio overall is very diversified. So if we take out an Australian investment, we wanna look at changing it for another Australian investment because you still have quite a good of exposure to the globe in other investments, but we wanna make sure you have some in Australia as well. So the banner the BetaShares a two hundred is investing in the 200 largest companies in Australia. So very diversified for you. So you'll have all the the banks and Woolworths and all the big companies, BHB, in there.\n\nSo, obviously, very diversified. And that one has performed better than Benelon, but it's also a bit cheaper because how that one is different is that it tracks the 200 largest. So as the company grows and gets bigger, it gets added to the 200 and something smaller comes out. The Bennelong is a little bit different that it is a managed fund. So their focus is to actively buy and sell different investments in order to kinda outperform the market.\n\nAnd sometimes that really works, and other times if they take a bet on something, it might not work out. So it can see a bit of more fluctuations as a result. So like I said, the investment committee have done a lot of research on the Bennelong investments and found a a good option, which is the beta shift a 200 just to swap it out for you to improve yeah. So what I can do is I will if you're happy with that, I can send you a document. Perfect.\n\nYou don't need to sign it, but it is called a record of advice. It is just for your reference. I will email that through to you and then probably early next week just to let you know that we have done that one change for you. Yep. Perfect.\n\nNow, otherwise, back to the email. Yes. Yes, please. What can you see there? Yes.\n\nCorrect. Now you can kind of skip that one because it just talks about your insurances again, which we've kind of already touched on. And then do you have a Vanguard index chart next? Yes. Perfect.\n\nSo this one here, you probably have seen before, but it did it is a good visual representation of what we are talking about when we are talking about the market. Basically, you can see here, a long term position. So you can see the long term market always goes up, short term ups and downs and market fluctuations depending on what is going on in the world. Now how your money is currently invested as well is that we have you in a growth portfolio. Now growth portfolio and growth investors are typically people who are wanting to grow their super as much as possible while you still have plenty of time until retirement.\n\nWe're also comfortable seeing some of those short term fluctuation in order to try to grow it in the long term. Now with a growth portfolio as well, we also want to make sure that you have enough time in the market for these kind of fluctuations to come back around. And we want to typically see at least six years until retirement in a growth portfolio. So from a growth portfolio point of view from a time frame point of view, you still have plenty of time in that portfolio if you are kind of happy with the level of risk and everything that you currently have. Yep.\n\nPerfect. Now just for your reference as well, you can see that how a growth portfolio is invested is that we have about 80% invested in your top four here. So you can see your US shares, which is, like, the light green one, your Australian shares, which is, like, your dark green one, international shares, which is, like, your yellow, and then the property, which is, like, your maroon color. Now these are the ones grows the most, also fluctuates the most. You have then 20% in those bottom three.\n\nSo these are the ones that you can see that don't grow near as much. They kind of are a bit more stable. So we wanna have some of that component as well because we don't want too much of that ups and down at the same time. So that is kind of how that is at the moment for you. Yep.\n\nPerfect. Now the if you click next for me, it is a financial services guide. You would have seen this one before. It's just just one of those compliance forms. None of the important information has changed.\n\nAnd if you can then scroll to after page three of that document, it should take you to one where it says OQ services guide. Can you see where I'm at? Yep. Now this one here, again, it is another compliance form. It's one you would have seen every 100 of you.\n\nIt is just a bit of an updated version. Again, none of the important information has changed, but we've had a bit of an extension through the team, which is great, and a bit of update to marketing. So as you scroll through this document, and if you do, want to put a face to the voice and see who you are talking with today, if you want to scroll down to page 10 of this document, you will then see a photo of myself. And sometimes it is nice to put a face to the voice if we're not catching up face to face. Yeah.\n\nPerfect. Now as you then kind of keep scrolling through, you will see the team. I'll let you kind of have a read over this in your own time. And that should then take you through one that's called a option to provide tax file number. Yes.\n\nPerfect. Now this is another compliance form, but, basically, it just at the bottom, you can there should be a little signature box for you to sign. Later. So if you kind of so so keep scrolling in that document. You will get to the end of it, which is then page 19.\n\nAnd if you press next next document. Yes. Can you see that now? Yes. Now this one here will ask for your signature, and it is just a compliance form.\n\nAnd just to let you know that we are keeping your tax file number secure and safe on file. So it will ask you for a little signature and a date there. Yep. Perfect. And then the next one, which is your last document, twenty eighth twenty eighth of May.\n\nYeah. Yes. Yes. Now this is your last one. Now this one here should say consent to new ongoing fee arrangement with hub twenty four.\n\nCan you see that? The next document, so the last one, does it say at the top consent to new ongoing fee? Yes. Now this one here, it is your ongoing service agreement. Now that is just to say that you are happy to stay on as a client.\n\nNow there is no changes whatsoever in regards to the fee structure that stays exactly the same at one point $6.05. No changes at all in regards to that, and it is not a locking contract. So at any point in time, you are not happy. It is not a locking contract. But by signing this, it allows us to keep servicing your investments and your accounts and insurances and everything for you in the meantime.\n\nYep. Perfect. Mhmm. Yes. Yes.\n\nOf course. So if you do have someone that you know that would benefit from our services, and it is a free review. So if it is someone that would be open to having a bit of a chat to us to see if we can help them, we we can definitely do that. We're always open to speaking to new clients. And if it is we take everybody.\n\nSo we'll have a look at everyone's situation. Now we have we have clients who are investors themselves. We have, you know, lawyers and doctors. We also just have, you know, school teachers, all kinds of things. Minors lot of minors, lot of construction workers.\n\nSo we we have a lot of different clientele, which is great. So if there are clients who are investors themselves that want assistance with super insurance investments or anything like that, or even your, you know, your your everyday person as well who don't do it, we are more than happy to speak through to anyone to see if we can help them. Then, obviously, everyone will have different needs and what they want, and we can then tailor that based on where they're at and what they are after. Yep. Do you have someone in mind, or is there more just have a bit of a think?\n\nYes. And have a chat to them as well because if that what yeah. Yeah. Could help them. Yeah.\n\nSo if there is anyone, because we do have a bit of a referral partnership as well, is that if you find someone who are interested and are do sign on board as a client, you will actually get a a gift voucher as well to say thank you. So what I would suggest is that if you do speak to someone and they are happy to have a a complimentary free of charge chat, ask them to email me, and that would just be veronicawithak@oakviewfinancial.com.au, and tell them to put your name that you refer them. Because what that means is that if they come on board, then you will get a get a little gift card if we know that you are the one who refer them. So, yeah, always more than happy to if there is someone, it's complimentary. It's free.\n\nAlways good to have a bit of a chat to see if we can help them. And if if not, at least there's a bit of information hopefully for them, and hopefully, we can also help them and and put them in a better position irrespective of where they are and and what they want and what they need. Yep. Beautiful. Now, Barry, I can see that that document has come through, which is great.\n\nSo I will let the team, know, and we will get that all sorted for you. Now, basically, from here, as a bit of a recap, I will also get the team next week to email you those beneficiary forms for your super and insurances for your family. I will also send you that ROA, the record of advice to show you that one investment change we spoke about. And then on Tuesday, at 10:30, Whitlam will give you a bit of a call to see how you're going for time and then look at investigating that insurance policy for you in a little bit more detail. Yep.\n\nBeautiful. Now do you have any other questions for me before I let you go and enjoy the rest of your evening? No? Perfect. If you think of anything, though no.\n\nThat's all good. Yeah. If you do have anything, let me know. Like I said, if you have anyone, more than happy for them to email me. Just let them know to put your details in, just your your first name and last name, especially from the conversation today.\n\nI'll I'll know that, and we'll see if we can help them as well. But, otherwise, I hope you enjoy the rest of your afternoon there, Barry, and we look forward to speaking with you on Tuesday. Mhmm. No problem. We'll no problem.\n\nWe'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Oh, hello?","start":1.76,"end":2.42,"sentiment":"neutral","sentiment_score":0.05714896693825722},{"text":"Sure thing.","start":6.08,"end":7.06,"sentiment":"neutral","sentiment_score":0.228519506752491},{"text":"Just give me two secs to get it all up again.","start":7.12,"end":10.099999,"sentiment":"neutral","sentiment_score":0.13824711807749487},{"text":"And he's passing.","start":10.719999,"end":11.62,"sentiment":"neutral","sentiment_score":0.056618312994639076},{"text":"Okay.","start":16.975,"end":17.475,"sentiment":"neutral","sentiment_score":0.04812206327915192}],"sentiment":"neutral","sentiment_score":0.12158064465773732,"num_words":19,"start":1.76,"end":17.475},{"sentences":[{"text":"You have the new one?","start":17.615,"end":18.995,"sentiment":"neutral","sentiment_score":0.03993657492101192},{"text":"Yes.","start":20.575,"end":21.075,"sentiment":"neutral","sentiment_score":0.06904605031013489},{"text":"Actually.","start":23.615,"end":24.115,"sentiment":"neutral","sentiment_score":0.01662760227918625},{"text":"Oh, alright.","start":34.04,"end":35.0,"sentiment":"neutral","sentiment_score":0.10856330022215843},{"text":"Perfect.","start":35.0,"end":35.32,"sentiment":"positive","sentiment_score":0.3861212730407715}],"sentiment":"neutral","sentiment_score":0.08886044006794691,"num_words":10,"start":17.615,"end":35.32},{"sentences":[{"text":"Well, I won't worry about the the address, but I'll just steal it off the notes for the faxman later.","start":35.32,"end":39.98,"sentiment":"neutral","sentiment_score":0.13005732670426368},{"text":"Sure.","start":42.225002,"end":42.725002,"sentiment":"neutral","sentiment_score":0.1540648639202118},{"text":"You can send him through.","start":42.865,"end":44.965,"sentiment":"neutral","sentiment_score":0.1976624995470047},{"text":"Good afternoon, Barry.","start":51.665,"end":52.625,"sentiment":"neutral","sentiment_score":0.3047625720500946},{"text":"This is Veronica speaking.","start":52.625,"end":53.905003,"sentiment":"neutral","sentiment_score":0.24462316557765007}],"sentiment":"neutral","sentiment_score":0.17079709921822403,"num_words":33,"start":35.32,"end":53.905003},{"sentences":[{"text":"How are you?","start":53.905003,"end":54.805,"sentiment":"neutral","sentiment_score":0.23888386289278665},{"text":"Yeah.","start":57.63,"end":58.11,"sentiment":"neutral","sentiment_score":0.1951884925365448},{"text":"Good.","start":58.11,"end":58.510002,"sentiment":"positive","sentiment_score":0.44813793897628784},{"text":"Thanks.","start":58.510002,"end":59.010002,"sentiment":"positive","sentiment_score":0.5306430459022522},{"text":"Thanks for returning my callback.","start":59.870003,"end":61.410004,"sentiment":"positive","sentiment_score":0.5730358362197876}],"sentiment":"positive","sentiment_score":0.4323454770174893,"num_words":11,"start":53.905003,"end":61.410004},{"sentences":[{"text":"No worries.","start":63.95,"end":64.590004,"sentiment":"neutral","sentiment_score":0.12388311326503754},{"text":"You still have time to go over the annual review?","start":64.590004,"end":66.93,"sentiment":"neutral","sentiment_score":0.08119163885712624},{"text":"Mhmm.","start":67.005,"end":67.505,"sentiment":"neutral","sentiment_score":0.015915941447019577},{"text":"No.","start":73.0125,"end":73.5125,"sentiment":"neutral","sentiment_score":-0.044838108122348785},{"text":"Okay.","start":82.299995,"end":82.799995,"sentiment":"neutral","sentiment_score":0.021267138421535492}],"sentiment":"neutral","sentiment_score":0.07013517245650291,"num_words":15,"start":63.95,"end":82.799995},{"sentences":[{"text":"Okay.","start":86.46,"end":86.939995,"sentiment":"neutral","sentiment_score":0.029316920787096024},{"text":"No.","start":86.939995,"end":87.259995,"sentiment":"neutral","sentiment_score":-0.020819880068302155},{"text":"That's that's okay.","start":87.259995,"end":88.38,"sentiment":"neutral","sentiment_score":0.07967911412318547},{"text":"You don't don't yeah.","start":88.38,"end":96.875,"sentiment":"neutral","sentiment_score":0.019680230121593922},{"text":"Alright.","start":96.875,"end":97.275,"sentiment":"neutral","sentiment_score":0.2115926742553711}],"sentiment":"neutral","sentiment_score":0.05378479778300971,"num_words":10,"start":86.46,"end":97.275},{"sentences":[{"text":"Perfect.","start":97.275,"end":97.775,"sentiment":"positive","sentiment_score":0.4150086045265198},{"text":"Now before I kind of jump into the under review there with you, Barry, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up?","start":99.515,"end":116.25,"sentiment":"neutral","sentiment_score":0.038525907273180095},{"text":"Yep.","start":120.245,"end":120.745,"sentiment":"neutral","sentiment_score":0.2250823974609375},{"text":"Yep.","start":124.325,"end":124.825,"sentiment":"neutral","sentiment_score":0.09625117480754852},{"text":"Yes.","start":132.42,"end":132.82,"sentiment":"neutral","sentiment_score":0.08136160671710968}],"sentiment":"neutral","sentiment_score":0.04996728924592828,"num_words":58,"start":97.275,"end":132.82},{"sentences":[{"text":"Okay.","start":132.82,"end":133.32,"sentiment":"neutral","sentiment_score":0.06219515949487686},{"text":"Okay.","start":141.78,"end":142.26,"sentiment":"neutral","sentiment_score":0.026415951550006863},{"text":"So just yep.","start":142.26,"end":149.035,"sentiment":"neutral","sentiment_score":0.016038514052828152},{"text":"Okay.","start":149.035,"end":149.535,"sentiment":"neutral","sentiment_score":0.17859584093093872},{"text":"No.","start":153.195,"end":153.435,"sentiment":"neutral","sentiment_score":-0.047851067036390305}],"sentiment":"neutral","sentiment_score":0.03821020387113094,"num_words":7,"start":132.82,"end":153.435},{"sentences":[{"text":"That's all good.","start":153.435,"end":154.235,"sentiment":"neutral","sentiment_score":0.09129877761006355},{"text":"Okay.","start":154.235,"end":154.475,"sentiment":"neutral","sentiment_score":0.2058245837688446},{"text":"Yep.","start":154.475,"end":154.795,"sentiment":"neutral","sentiment_score":0.31358659267425537},{"text":"Perfect.","start":154.795,"end":155.27501,"sentiment":"positive","sentiment_score":0.6131129264831543},{"text":"We can definitely have a bit of a look at that for you.","start":155.27501,"end":157.935,"sentiment":"positive","sentiment_score":0.5486354277684138}],"sentiment":"positive","sentiment_score":0.44940426298662234,"num_words":19,"start":153.435,"end":157.935},{"sentences":[{"text":"Now before I kind of jump into your superannuation side, it is easier when you when you are home.","start":160.01,"end":166.48999,"sentiment":"neutral","sentiment_score":0.16543975943013242},{"text":"But what's quite easy to do while you're okay.","start":166.48999,"end":172.765,"sentiment":"neutral","sentiment_score":0.1547825112938881},{"text":"Oh, perfect.","start":176.265,"end":176.985,"sentiment":"positive","sentiment_score":0.36493441462516785},{"text":"That's convenient.","start":176.985,"end":177.805,"sentiment":"neutral","sentiment_score":0.2720952257514},{"text":"That's good.","start":179.70499,"end":180.42499,"sentiment":"positive","sentiment_score":0.4730004668235779}],"sentiment":"neutral","sentiment_score":0.1987193601534647,"num_words":34,"start":160.01,"end":180.42499},{"sentences":[{"text":"So what I might do while you are kind of walking and getting settled is just to go through a bit of an updated fax line with you first just to see if there is anything else, like, anything major that has changed in your life or if we need to make any changes to your advice.","start":180.42499,"end":196.19,"sentiment":"neutral","sentiment_score":0.10533434283315089},{"text":"Now I know Maddie already told me that she will update the address for you, which is good.","start":196.19,"end":202.00499,"sentiment":"neutral","sentiment_score":0.18781256841288674},{"text":"Otherwise, when it comes to your personal information, I have you down here as single with no financial dependent.","start":203.745,"end":211.045,"sentiment":"neutral","sentiment_score":0.01894482411444187},{"text":"Is that still the case?","start":211.105,"end":212.405,"sentiment":"neutral","sentiment_score":0.004602697864174843},{"text":"Yep.","start":213.70999,"end":214.10999,"sentiment":"neutral","sentiment_score":0.17233876883983612}],"sentiment":"neutral","sentiment_score":0.09939987689256669,"num_words":100,"start":180.42499,"end":214.10999},{"sentences":[{"text":"Beautiful.","start":214.10999,"end":214.60999,"sentiment":"positive","sentiment_score":0.3675127923488617},{"text":"Now I don't actually have a next of kin on file for you.","start":215.46999,"end":219.48999,"sentiment":"neutral","sentiment_score":-0.014998788157334695},{"text":"So that can be anybody and just someone you would like us to contact in the event that we just cannot get in touch with you.","start":219.87,"end":227.17,"sentiment":"neutral","sentiment_score":0.005244237728990042},{"text":"Yeah.","start":234.065,"end":234.305,"sentiment":"neutral","sentiment_score":-0.003933718428015709},{"text":"It could be anybody, and they don't have any, like yep.","start":234.305,"end":244.66,"sentiment":"neutral","sentiment_score":-0.02391860109161247}],"sentiment":"neutral","sentiment_score":0.0008046230157980552,"num_words":52,"start":214.10999,"end":244.66},{"sentences":[{"text":"Okay.","start":244.72,"end":245.22,"sentiment":"neutral","sentiment_score":0.03529718518257141},{"text":"Yep.","start":246.64,"end":247.14,"sentiment":"neutral","sentiment_score":0.008975259028375149},{"text":"Yeah.","start":251.935,"end":252.33499,"sentiment":"neutral","sentiment_score":0.1739913821220398},{"text":"Perfect.","start":252.33499,"end":252.655,"sentiment":"positive","sentiment_score":0.35914450883865356},{"text":"I'm sorry.","start":252.655,"end":253.055,"sentiment":"neutral","sentiment_score":0.09115923196077347}],"sentiment":"neutral","sentiment_score":0.1266211331821978,"num_words":6,"start":244.72,"end":253.055},{"sentences":[{"text":"Could you just repeat the name again for me?","start":253.055,"end":255.155,"sentiment":"neutral","sentiment_score":0.013262129699190458},{"text":"How would you spell that?","start":256.815,"end":258.195,"sentiment":"neutral","sentiment_score":0.006890652142465115},{"text":"Yep.","start":262.655,"end":263.155,"sentiment":"neutral","sentiment_score":0.010825890116393566},{"text":"Yep.","start":266.21,"end":266.71,"sentiment":"neutral","sentiment_score":0.00948980450630188},{"text":"Perfect.","start":269.41,"end":269.91,"sentiment":"neutral","sentiment_score":0.25238585472106934}],"sentiment":"neutral","sentiment_score":0.025089057491106147,"num_words":17,"start":253.055,"end":269.91},{"sentences":[{"text":"And, just relationship to yourself, just a friend or was it a family connection?","start":270.28998,"end":275.83,"sentiment":"neutral","sentiment_score":0.05188182794622013},{"text":"Oh, perfect.","start":279.405,"end":280.065,"sentiment":"neutral","sentiment_score":0.13515502214431763},{"text":"So family.","start":280.765,"end":282.305,"sentiment":"neutral","sentiment_score":0.05005374550819397},{"text":"And just best contact number?","start":284.125,"end":286.305,"sentiment":"neutral","sentiment_score":0.03540100082755089},{"text":"Sure.","start":288.86,"end":289.36,"sentiment":"neutral","sentiment_score":0.01505167968571186}],"sentiment":"neutral","sentiment_score":0.05370082543231547,"num_words":24,"start":270.28998,"end":289.36},{"sentences":[{"text":"Yep.","start":314.25,"end":314.75,"sentiment":"neutral","sentiment_score":0.009541114792227743},{"text":"Yep.","start":320.96997,"end":321.46997,"sentiment":"neutral","sentiment_score":0.009374350309371948},{"text":"919.","start":327.705,"end":329.085,"sentiment":"neutral","sentiment_score":0.012004964053630829},{"text":"Beautiful.","start":330.825,"end":331.325,"sentiment":"positive","sentiment_score":0.5325349569320679},{"text":"Thank you so much.","start":331.545,"end":332.685,"sentiment":"positive","sentiment_score":0.6633578091859818}],"sentiment":"positive","sentiment_score":0.4021108278539032,"num_words":8,"start":314.25,"end":332.685},{"sentences":[{"text":"Now when it comes to occupation, has any of that changed, or you're still working as a trade assistant?","start":334.025,"end":340.42,"sentiment":"neutral","sentiment_score":0.011082804565759082},{"text":"Oh, nice.","start":346.88,"end":347.76,"sentiment":"neutral","sentiment_score":0.06962486729025841},{"text":"And what kind of business do you have?","start":347.76,"end":349.94,"sentiment":"neutral","sentiment_score":0.004880332271568477},{"text":"Yeah.","start":351.85498,"end":352.35498,"sentiment":"neutral","sentiment_score":0.006442476529628038},{"text":"Oh, yeah.","start":354.41498,"end":355.155,"sentiment":"neutral","sentiment_score":0.022504697553813457}],"sentiment":"neutral","sentiment_score":0.013759923473116942,"num_words":32,"start":334.025,"end":355.155},{"sentences":[{"text":"Soul Trader.","start":355.215,"end":356.115,"sentiment":"neutral","sentiment_score":0.026553704403340816},{"text":"Perfect.","start":356.175,"end":356.675,"sentiment":"neutral","sentiment_score":0.11327528208494186},{"text":"And when did you change to that?","start":358.01498,"end":359.955,"sentiment":"neutral","sentiment_score":0.020903823365058218},{"text":"Oh, yeah.","start":362.25497,"end":362.995,"sentiment":"neutral","sentiment_score":0.017506591975688934},{"text":"Perfect.","start":366.29,"end":366.69,"sentiment":"neutral","sentiment_score":0.15339340269565582}],"sentiment":"neutral","sentiment_score":0.03854738777646652,"num_words":13,"start":355.215,"end":366.69},{"sentences":[{"text":"And how is it all going so far?","start":366.69,"end":368.55,"sentiment":"neutral","sentiment_score":0.07083839178085327},{"text":"How is it all going so far?","start":370.44998,"end":372.22998,"sentiment":"neutral","sentiment_score":0.05128973775676319},{"text":"Yeah.","start":374.21,"end":374.71,"sentiment":"neutral","sentiment_score":0.009886512532830238},{"text":"That's good, 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yeah.","start":477.34003,"end":477.98,"sentiment":"neutral","sentiment_score":0.17575430870056152},{"text":"Nice.","start":477.98,"end":478.48,"sentiment":"neutral","sentiment_score":0.30536019802093506},{"text":"Oh, well, that's close.","start":478.715,"end":479.595,"sentiment":"neutral","sentiment_score":0.16527287662029266},{"text":"But if it if you ever are up, obviously, towards Southport and you want to do a review or anything in person, just let us know because you're always more than welcome to come into the office as well if you, would prefer.","start":479.595,"end":491.935,"sentiment":"neutral","sentiment_score":0.18456298459407894}],"sentiment":"neutral","sentiment_score":0.16431724688593755,"num_words":57,"start":473.58002,"end":491.935},{"sentences":[{"text":"Yeah.","start":496.0,"end":496.5,"sentiment":"neutral","sentiment_score":0.11700025200843812},{"text":"Yeah.","start":496.56,"end":496.88,"sentiment":"neutral","sentiment_score":0.13034524023532867},{"text":"We'll 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case?","start":880.365,"end":881.665,"sentiment":"neutral","sentiment_score":0.02962656468153},{"text":"Okay.","start":892.82,"end":893.32,"sentiment":"neutral","sentiment_score":0.005942661315202713},{"text":"Yeah.","start":897.55505,"end":897.955,"sentiment":"neutral","sentiment_score":-0.014925947412848473},{"text":"No.","start":897.955,"end":898.275,"sentiment":"neutral","sentiment_score":-0.06011080741882324},{"text":"And is that just kind of on an investment platform?","start":898.275,"end":900.695,"sentiment":"neutral","sentiment_score":-0.05636912137269974}],"sentiment":"neutral","sentiment_score":-0.026925137990878686,"num_words":18,"start":880.365,"end":900.695},{"sentences":[{"text":"Or Yes.","start":900.99506,"end":907.75,"sentiment":"neutral","sentiment_score":0.004883559420704842},{"text":"Yeah.","start":910.37,"end":910.87,"sentiment":"neutral","sentiment_score":-0.0013518320629373193},{"text":"Yeah.","start":915.41,"end":915.91,"sentiment":"neutral","sentiment_score":-0.08387411385774612},{"text":"Mhmm.","start":919.745,"end":920.245,"sentiment":"neutral","sentiment_score":-0.05363484472036362},{"text":"Okay.","start":920.545,"end":921.045,"sentiment":"neutral","sentiment_score":-0.034984998404979706}],"sentiment":"neutral","sentiment_score":-0.027346445034102846,"num_words":6,"start":900.99506,"end":921.045},{"sentences":[{"text":"No.","start":921.265,"end":921.585,"sentiment":"neutral","sentiment_score":-0.13444170355796814},{"text":"That's alright.","start":921.585,"end":922.40497,"sentiment":"neutral","sentiment_score":-0.05193326994776726},{"text":"Otherwise, do you have a motor vehicle or motorbike or anything like that?","start":923.585,"end":928.725,"sentiment":"neutral","sentiment_score":-0.04379926922802742},{"text":"Nope.","start":938.32,"end":938.4,"sentiment":"neutral","sentiment_score":-0.06691622734069824},{"text":"Yes.","start":938.4,"end":938.9,"sentiment":"neutral","sentiment_score":-0.01249407883733511}],"sentiment":"neutral","sentiment_score":-0.04928383608866069,"num_words":18,"start":921.265,"end":938.9},{"sentences":[{"text":"Yeah.","start":939.44,"end":939.84,"sentiment":"neutral","sentiment_score":-0.0025212010368704796},{"text":"She said no.","start":939.84,"end":941.04004,"sentiment":"neutral","sentiment_score":-0.0430487897247076},{"text":"It was yeah.","start":941.04004,"end":941.92,"sentiment":"neutral","sentiment_score":-0.04332826534907023},{"text":"It was Maddie who took the reception inbound call.","start":941.92,"end":945.69495,"sentiment":"neutral","sentiment_score":-0.025609398674633767},{"text":"She actually said that.","start":945.69495,"end":946.415,"sentiment":"neutral","sentiment_score":-0.03736679907888174}],"sentiment":"neutral","sentiment_score":-0.03208020753227174,"num_words":20,"start":939.44,"end":946.415},{"sentences":[{"text":"She's like, oh, funny enough.","start":946.415,"end":947.95496,"sentiment":"neutral","sentiment_score":-0.047342782467603685},{"text":"You're now living in my old building.","start":948.33496,"end":950.115,"sentiment":"neutral","sentiment_score":-0.03565094992518425},{"text":"Yeah.","start":953.375,"end":953.875,"sentiment":"neutral","sentiment_score":0.002534540370106697},{"text":"At least the train would be nice at moments with the still the 50¢.","start":956.11,"end":962.67,"sentiment":"neutral","sentiment_score":0.09612492128060414},{"text":"Tram fare fares, is it?","start":962.67,"end":964.37,"sentiment":"neutral","sentiment_score":0.019791801273822785}],"sentiment":"neutral","sentiment_score":0.02789828908299246,"num_words":32,"start":946.415,"end":964.37},{"sentences":[{"text":"Well, I live up in Pacific Pines, so closer to, like, other side of, like, Helensvale and stuff.","start":974.28503,"end":981.505,"sentiment":"neutral","sentiment_score":0.09444139897823334},{"text":"And just, yeah, just work in Southport.","start":982.72,"end":984.89996,"sentiment":"neutral","sentiment_score":0.26249333151749205},{"text":"And it's it's good.","start":985.04,"end":986.98,"sentiment":"positive","sentiment_score":0.4882503002882004},{"text":"Like, they it is convenient, but it depends what you're after as well because I live in a house, and there's not that many houses potentially in Southport.","start":987.12,"end":997.90497,"sentiment":"neutral","sentiment_score":0.13364096584596805},{"text":"It's a lot more like apartment buildings and duplexes and stuff.","start":997.90497,"end":1002.485,"sentiment":"neutral","sentiment_score":0.06570825759660114}],"sentiment":"neutral","sentiment_score":0.14639908206813476,"num_words":68,"start":974.28503,"end":1002.485},{"sentences":[{"text":"So it does depend like, it is convenient.","start":1002.625,"end":1005.26495,"sentiment":"neutral","sentiment_score":0.24002585373818874},{"text":"I think it's a little bit cheaper than other suburbs.","start":1005.26495,"end":1008.565,"sentiment":"neutral","sentiment_score":0.20480796098709106},{"text":"There are certain area that's a little bit rougher than others, but so you'll get in any suburb, I think.","start":1010.41,"end":1016.02997,"sentiment":"neutral","sentiment_score":0.031230214331299067},{"text":"So if if it's more around, like, the back of Australia Fair and stuff, sometimes, like, kinda where the hub is.","start":1016.81,"end":1023.86505,"sentiment":"neutral","sentiment_score":0.04146345456441244},{"text":"Sometimes you get, yeah, a little bit of rough roughness, but, yeah, you'll get that in, yeah, you get that in a lot of suburbs.","start":1023.86505,"end":1031.225,"sentiment":"neutral","sentiment_score":0.03205133706331253}],"sentiment":"neutral","sentiment_score":0.07458222260521281,"num_words":84,"start":1002.625,"end":1031.225},{"sentences":[{"text":"But then there are other sites points of Southport, which is really nice, especially as you get, like, closer to the water and stuff.","start":1031.225,"end":1038.1599,"sentiment":"positive","sentiment_score":0.4058721208324035},{"text":"So I think you can find good areas.","start":1039.1,"end":1041.2,"sentiment":"neutral","sentiment_score":0.2270092647522688},{"text":"Just kind of if you do go and have a look at some places, I would just kind of have a look around a little bit as well just to make sure it's kind of, like, one of the nice nice ones.","start":1041.98,"end":1051.075,"sentiment":"neutral","sentiment_score":0.15185630640813283},{"text":"But it is very good and convenient.","start":1051.075,"end":1052.595,"sentiment":"positive","sentiment_score":0.7023760506084987},{"text":"It is close to a lot of things.","start":1052.595,"end":1054.375,"sentiment":"positive","sentiment_score":0.5723124705255032}],"sentiment":"neutral","sentiment_score":0.30820339332135877,"num_words":89,"start":1031.225,"end":1054.375},{"sentences":[{"text":"Yeah.","start":1055.555,"end":1055.795,"sentiment":"positive","sentiment_score":0.440929651260376},{"text":"And I think Maddie enjoyed living there as well.","start":1055.795,"end":1058.055,"sentiment":"positive","sentiment_score":0.6613209015793271},{"text":"And, yeah, a few other colleagues live around the area too, and they all enjoy it.","start":1058.835,"end":1063.095,"sentiment":"positive","sentiment_score":0.42057097144424915},{"text":"Yeah.","start":1064.72,"end":1065.22,"sentiment":"neutral","sentiment_score":0.03939405828714371},{"text":"Otherwise, I have here $2,000 of about credit cards.","start":1066.88,"end":1072.0199,"sentiment":"neutral","sentiment_score":0.013505567175646624}],"sentiment":"positive","sentiment_score":0.3689693742069519,"num_words":36,"start":1055.555,"end":1072.0199},{"sentences":[{"text":"Is that still the case?","start":1072.7999,"end":1074.1,"sentiment":"neutral","sentiment_score":0.002496848814189434},{"text":"Yep.","start":1075.615,"end":1076.095,"sentiment":"neutral","sentiment_score":0.04975853115320206},{"text":"Perfect.","start":1076.095,"end":1076.595,"sentiment":"neutral","sentiment_score":0.3271574378013611},{"text":"And then a loan of about 1,200.","start":1077.455,"end":1082.115,"sentiment":"neutral","sentiment_score":0.02899922989308834},{"text":"Nope.","start":1084.495,"end":1084.995,"sentiment":"neutral","sentiment_score":-0.095639668405056}],"sentiment":"neutral","sentiment_score":0.03311701025813818,"num_words":15,"start":1072.7999,"end":1084.995},{"sentences":[{"text":"Oh, beautiful.","start":1086.735,"end":1087.5549,"sentiment":"positive","sentiment_score":0.34365004301071167},{"text":"That's great.","start":1087.855,"end":1088.755,"sentiment":"positive","sentiment_score":0.5036133974790573},{"text":"Any other assets that we haven't gone over otherwise?","start":1089.9501,"end":1094.61,"sentiment":"neutral","sentiment_score":0.1364989396598604},{"text":"Any, like, savings in the bank or anything else?","start":1094.75,"end":1099.15,"sentiment":"neutral","sentiment_score":0.08293461178739865},{"text":"Or yes.","start":1099.15,"end":1103.645,"sentiment":"neutral","sentiment_score":0.0389034254476428}],"sentiment":"neutral","sentiment_score":0.1561348206208398,"num_words":24,"start":1086.735,"end":1103.645},{"sentences":[{"text":"Yes.","start":1103.645,"end":1103.9651,"sentiment":"neutral","sentiment_score":0.09719386696815492},{"text":"Perfect.","start":1103.9651,"end":1104.4651,"sentiment":"neutral","sentiment_score":0.15657982230186462},{"text":"Now health and lifestyle wise, are you a smoker?","start":1106.525,"end":1110.545,"sentiment":"neutral","sentiment_score":0.009760482547183832},{"text":"Nope.","start":1113.0851,"end":1113.42,"sentiment":"neutral","sentiment_score":-0.03906446322798729},{"text":"And have you had any changes to your health in the last twelve months?","start":1113.9,"end":1117.74,"sentiment":"neutral","sentiment_score":-0.02072713736976896}],"sentiment":"neutral","sentiment_score":0.0004759094534585109,"num_words":26,"start":1103.645,"end":1117.74},{"sentences":[{"text":"Any significant health issues or injuries or anything?","start":1117.74,"end":1121.52,"sentiment":"neutral","sentiment_score":-0.057563455775380135},{"text":"Yeah.","start":1129.435,"end":1129.935,"sentiment":"neutral","sentiment_score":-0.000010983087122440338},{"text":"Yeah.","start":1132.3151,"end":1132.8151,"sentiment":"neutral","sentiment_score":0.006148737855255604},{"text":"Yeah.","start":1134.795,"end":1135.295,"sentiment":"neutral","sentiment_score":0.09093032032251358},{"text":"That's good.","start":1135.435,"end":1136.255,"sentiment":"neutral","sentiment_score":0.1685497760772705}],"sentiment":"neutral","sentiment_score":-0.0020261553044502553,"num_words":13,"start":1117.74,"end":1136.255},{"sentences":[{"text":"But, otherwise, yeah, you're not having any too many troubles or anything health wise.","start":1137.1151,"end":1141.41,"sentiment":"neutral","sentiment_score":0.010998303469802653},{"text":"It's all going alright?","start":1141.49,"end":1142.79,"sentiment":"neutral","sentiment_score":-0.013631007517687976},{"text":"No.","start":1143.5701,"end":1144.0701,"sentiment":"neutral","sentiment_score":-0.07643191516399384},{"text":"Oh, great.","start":1144.93,"end":1145.67,"sentiment":"neutral","sentiment_score":0.18227378278970718},{"text":"Yeah.","start":1147.5701,"end":1148.0701,"sentiment":"neutral","sentiment_score":0.18265366554260257}],"sentiment":"neutral","sentiment_score":0.02591916065747765,"num_words":22,"start":1137.1151,"end":1148.0701},{"sentences":[{"text":"That's good.","start":1148.13,"end":1148.9501,"sentiment":"neutral","sentiment_score":0.2602507695555687},{"text":"Now that's right.","start":1150.37,"end":1153.75,"sentiment":"neutral","sentiment_score":0.052100436141093574},{"text":"Barry, do you have private health insurance?","start":1154.77,"end":1156.87,"sentiment":"neutral","sentiment_score":-0.003064050871346678},{"text":"Nope.","start":1163.225,"end":1163.305,"sentiment":"neutral","sentiment_score":-0.17006361484527588},{"text":"Might be worth having a look at at some point for you just from an income point of view, at least.","start":1163.305,"end":1170.15,"sentiment":"neutral","sentiment_score":0.005685265131649517}],"sentiment":"neutral","sentiment_score":0.01778474836336339,"num_words":34,"start":1148.13,"end":1170.15},{"sentences":[{"text":"Because you are now a high income earner, what that will mean as well, which your accountant should be able to kind of calculate all of that for you this financial year, is that because you have exceeded the now in through the high income earner, it will mean that if you do not have private health or hospital cover, that you would pay a medical levy surcharge.","start":1171.1901,"end":1201.81,"sentiment":"neutral","sentiment_score":0.03794398156049497},{"text":"That is you you know about that?","start":1203.2301,"end":1205.89,"sentiment":"neutral","sentiment_score":-0.0449286587536335},{"text":"Mhmm.","start":1208.685,"end":1209.185,"sentiment":"neutral","sentiment_score":0.05240056663751602},{"text":"Mhmm.","start":1214.045,"end":1214.125,"sentiment":"neutral","sentiment_score":0.0377238355576992},{"text":"Okay.","start":1214.125,"end":1214.625,"sentiment":"neutral","sentiment_score":0.054793789982795715}],"sentiment":"neutral","sentiment_score":0.030905234961746596,"num_words":78,"start":1171.1901,"end":1214.625},{"sentences":[{"text":"Mhmm.","start":1216.765,"end":1217.265,"sentiment":"neutral","sentiment_score":0.04337761551141739},{"text":"Yep.","start":1218.3651,"end":1218.8651,"sentiment":"neutral","sentiment_score":0.035340748727321625},{"text":"Yeah.","start":1228.2999,"end":1228.7999,"sentiment":"neutral","sentiment_score":-0.008743307553231716},{"text":"And I, yeah, I used to be the same.","start":1229.0199,"end":1232.0599,"sentiment":"neutral","sentiment_score":-0.0066038572953806985},{"text":"So I'm Swedish.","start":1232.0599,"end":1232.94,"sentiment":"neutral","sentiment_score":0.014077932884295782}],"sentiment":"neutral","sentiment_score":0.0035182759786645573,"num_words":15,"start":1216.765,"end":1232.94},{"sentences":[{"text":"So if you do have a bit of an accent, that's why.","start":1232.94,"end":1235.36,"sentiment":"neutral","sentiment_score":0.04659557932366928},{"text":"And I'm now dual citizen, so I have Swedish as well.","start":1236.245,"end":1239.605,"sentiment":"neutral","sentiment_score":0.08337870782071893},{"text":"And when I came over, it was partnership between Sweden and Australia, so I had Medicare and stuff like that.","start":1239.605,"end":1246.105,"sentiment":"neutral","sentiment_score":0.02381921447813511},{"text":"This this is a little bit different in that basically, because, obviously, you have public hospitals and stuff where they are encouraging high income earners kind of regardless of yeah.","start":1247.125,"end":1262.46,"sentiment":"neutral","sentiment_score":0.032563113731642564},{"text":"Just to kind of assist, and they do put an additional tax on high income earners if you do not have private health insurance.","start":1262.68,"end":1272.275,"sentiment":"neutral","sentiment_score":-0.03290702332742512}],"sentiment":"neutral","sentiment_score":0.022060019376966142,"num_words":97,"start":1232.94,"end":1272.275},{"sentences":[{"text":"So it might be worth and sometimes it turns out that you pay a little bit more extra tax, but it's actually a lot cheaper than the private health insurance.","start":1273.2151,"end":1282.93,"sentiment":"neutral","sentiment_score":0.060653816039363546},{"text":"Sometimes it turns out the other way depending on how high your income is.","start":1283.87,"end":1289.41,"sentiment":"neutral","sentiment_score":0.1267337208347661},{"text":"That sometimes like, I have a lot of clients who just take out private health insurance just, like, the minimum cover just to not having to pay additional tax.","start":1289.7101,"end":1298.865,"sentiment":"neutral","sentiment_score":0.1121668675593261},{"text":"But definitely chat to your accountant because they are obviously the expert when it comes to that.","start":1300.445,"end":1306.3849,"sentiment":"neutral","sentiment_score":0.153102444813532},{"text":"Just something to be mindful of.","start":1306.605,"end":1308.42,"sentiment":"neutral","sentiment_score":0.004369803238660098}],"sentiment":"neutral","sentiment_score":0.09870506368073013,"num_words":96,"start":1273.2151,"end":1308.42},{"sentences":[{"text":"And when you do chat to them as well, just they they'll be able to calculate all of that for you and see where you're at and how how much that would all potentially be and stuff.","start":1308.5801,"end":1320.42,"sentiment":"neutral","sentiment_score":0.19893217247885628},{"text":"So just something to be a little bit mindful of now when your income has gone up quite a bit.","start":1320.42,"end":1324.465,"sentiment":"neutral","sentiment_score":0.08046117108315229},{"text":"Yep.","start":1326.125,"end":1326.625,"sentiment":"neutral","sentiment_score":0.30156469345092773},{"text":"Perfect.","start":1326.685,"end":1327.185,"sentiment":"positive","sentiment_score":0.5684301853179932},{"text":"Otherwise, when it comes to estate planning, do you have a will or anyone who makes any financial decisions on your behalf?","start":1328.125,"end":1336.145,"sentiment":"neutral","sentiment_score":0.18449408052997154}],"sentiment":"neutral","sentiment_score":0.1715873883186299,"num_words":81,"start":1308.5801,"end":1336.145},{"sentences":[{"text":"No.","start":1339.3099,"end":1339.8099,"sentiment":"neutral","sentiment_score":-0.2853439152240753},{"text":"Okay.","start":1344.11,"end":1344.61,"sentiment":"neutral","sentiment_score":-0.0907338559627533},{"text":"Mhmm.","start":1354.525,"end":1355.025,"sentiment":"neutral","sentiment_score":-0.04425261542201042},{"text":"Yeah.","start":1367.74,"end":1368.24,"sentiment":"neutral","sentiment_score":0.04195201396942139},{"text":"Okay.","start":1368.46,"end":1368.86,"sentiment":"neutral","sentiment_score":0.117167167365551}],"sentiment":"neutral","sentiment_score":-0.05224224105477333,"num_words":5,"start":1339.3099,"end":1368.86},{"sentences":[{"text":"Perfect.","start":1368.86,"end":1369.34,"sentiment":"neutral","sentiment_score":0.25414225459098816},{"text":"So kind of in the pro.","start":1369.34,"end":1371.52,"sentiment":"neutral","sentiment_score":-0.08292629942297935},{"text":"Yep.","start":1371.9,"end":1372.4,"sentiment":"neutral","sentiment_score":-0.06035549566149712},{"text":"Yeah.","start":1382.735,"end":1383.215,"sentiment":"neutral","sentiment_score":-0.026358619332313538},{"text":"Yes.","start":1383.215,"end":1383.695,"sentiment":"neutral","sentiment_score":0.0360553003847599}],"sentiment":"neutral","sentiment_score":-0.029407435655593873,"num_words":10,"start":1368.86,"end":1383.695},{"sentences":[{"text":"Of course.","start":1383.695,"end":1384.4349,"sentiment":"neutral","sentiment_score":0.02176480181515217},{"text":"Yes.","start":1384.575,"end":1385.075,"sentiment":"neutral","sentiment_score":0.01430153287947178},{"text":"Yeah.","start":1385.99,"end":1386.49,"sentiment":"neutral","sentiment_score":0.05954247713088989},{"text":"And that makes sense.","start":1387.83,"end":1388.87,"sentiment":"neutral","sentiment_score":0.1197773851454258},{"text":"And yeah.","start":1388.87,"end":1392.49,"sentiment":"neutral","sentiment_score":0.02102740667760372}],"sentiment":"neutral","sentiment_score":0.06385379675775767,"num_words":10,"start":1383.695,"end":1392.49},{"sentences":[{"text":"Yeah.","start":1394.23,"end":1394.6299,"sentiment":"neutral","sentiment_score":0.032867979258298874},{"text":"That's nice.","start":1394.6299,"end":1395.45,"sentiment":"neutral","sentiment_score":0.23048771917819977},{"text":"Yeah.","start":1396.3899,"end":1396.8899,"sentiment":"neutral","sentiment_score":0.09785890579223631},{"text":"And that's nice.","start":1400.275,"end":1401.235,"sentiment":"positive","sentiment_score":0.3854537010192871},{"text":"And when it comes through super end insurances, so we don't have a current nomination on file for you.","start":1401.235,"end":1410.09,"sentiment":"neutral","sentiment_score":-0.005350131149354734}],"sentiment":"neutral","sentiment_score":0.06332349748565601,"num_words":26,"start":1394.23,"end":1410.09},{"sentences":[{"text":"So that is if something ever were to happen to you, like, you were to pass away, who would then receive your benefit?","start":1410.49,"end":1418.6699,"sentiment":"neutral","sentiment_score":-0.04806329099380452},{"text":"Do you know who you would like to nominate for to receive that?","start":1419.85,"end":1424.0751,"sentiment":"neutral","sentiment_score":0.012757232269415488},{"text":"Would that be your family again?","start":1424.0751,"end":1426.0951,"sentiment":"neutral","sentiment_score":-0.009510399773716927},{"text":"Yep.","start":1429.035,"end":1429.535,"sentiment":"neutral","sentiment_score":0.04356558248400688},{"text":"Now does any of your family members live with you currently or rely on you financially?","start":1431.3551,"end":1437.055,"sentiment":"neutral","sentiment_score":-0.06044029211625457}],"sentiment":"neutral","sentiment_score":-0.03254496887073678,"num_words":59,"start":1410.49,"end":1437.055},{"sentences":[{"text":"No.","start":1438.86,"end":1439.36,"sentiment":"neutral","sentiment_score":-0.09912513196468352},{"text":"So when it comes through the superannuation legislation here in Australia, they they are restrictions on who you can actually nominate directly through the CISSPAC.","start":1440.06,"end":1451.6,"sentiment":"neutral","sentiment_score":-0.11876635298132897},{"text":"So the only people that you can nominate, like, directly on a form is a spouse, a child, or someone in a financial dependent or interdependent relationship with, which a lot of clients, if if you don't have a spouse or children or you wanna give it through, like, nephews and nieces or family members and brothers and sisters and mom and dad, which is super common, you can still do it.","start":1452.765,"end":1477.96,"sentiment":"neutral","sentiment_score":-0.0544515582991557},{"text":"We would just have to structure stuff a little bit differently.","start":1477.96,"end":1480.94,"sentiment":"neutral","sentiment_score":-0.06636918031356552},{"text":"So the way that we would go around it is that on the forms for your super and insurances, you would put down that you nominate a legal personal representative, which essentially is just a fancy word for saying that it goes to your will.","start":1482.375,"end":1500.4,"sentiment":"neutral","sentiment_score":0.2126470065779156}],"sentiment":"neutral","sentiment_score":0.012014663367012105,"num_words":154,"start":1438.86,"end":1500.4},{"sentences":[{"text":"Then in your will, you can nominate whomever you want.","start":1501.1,"end":1505.42,"sentiment":"positive","sentiment_score":0.3787617772817612},{"text":"So then in your will, you can say that you want it to go to x y zed and so many portions.","start":1505.42,"end":1511.145,"sentiment":"neutral","sentiment_score":0.2642069255763834},{"text":"And in the will, you can even do a bit of a succession sometimes as well, where you can say first person this, but if something were to happen, this one and this one, etcetera.","start":1511.205,"end":1519.785,"sentiment":"neutral","sentiment_score":0.14850409712110246},{"text":"The only reason we have to do it this way is because super and insurance does not automatically form part of the estate.","start":1521.845,"end":1529.92,"sentiment":"neutral","sentiment_score":-0.08766327604003575},{"text":"So you can have it completely different to your estate.","start":1530.46,"end":1533.36,"sentiment":"neutral","sentiment_score":-0.04397360980510712}],"sentiment":"neutral","sentiment_score":0.1234182208776474,"num_words":100,"start":1501.1,"end":1533.36},{"sentences":[{"text":"If there is no nomination in place, it could go to your estate regardless, but the trustee of the super or your insurances could also decide if there is someone that tries to come forth and make a claim for it.","start":1534.38,"end":1548.835,"sentiment":"neutral","sentiment_score":-0.10538117205951272},{"text":"So it is important to have a look at when you have a moment, and that would be through to have a look at that will if it was finalized or where it's at, and then include in that what you want to do with your super and your insurance.","start":1549.215,"end":1566.9601,"sentiment":"neutral","sentiment_score":0.13050244867801666},{"text":"Now under then the forms that we'll submit to your super fund and your insurance company, do you have access to a printer, or do you prefer things to be posted to you?","start":1569.435,"end":1583.215,"sentiment":"neutral","sentiment_score":0.08153234094832883},{"text":"Posted?","start":1586.46,"end":1586.96,"sentiment":"neutral","sentiment_score":0.05090402066707611},{"text":"Nice and close.","start":1587.26,"end":1588.1599,"sentiment":"neutral","sentiment_score":0.14183354377746582}],"sentiment":"neutral","sentiment_score":0.041964580334024504,"num_words":128,"start":1534.38,"end":1588.1599},{"sentences":[{"text":"Okay.","start":1594.38,"end":1594.88,"sentiment":"neutral","sentiment_score":0.06381149590015411},{"text":"Well, what I can well, oh, yes.","start":1595.4199,"end":1599.115,"sentiment":"neutral","sentiment_score":0.06575511821678706},{"text":"Email it it it just has to be printed at some some place, even, like, office work or library or something?","start":1599.115,"end":1604.735,"sentiment":"neutral","sentiment_score":0.07321848134909358},{"text":"Yes.","start":1605.355,"end":1605.855,"sentiment":"neutral","sentiment_score":0.30608952045440674},{"text":"Okay.","start":1609.93,"end":1610.25,"sentiment":"positive","sentiment_score":0.3493269681930542}],"sentiment":"neutral","sentiment_score":0.08764844904503515,"num_words":31,"start":1594.38,"end":1610.25},{"sentences":[{"text":"Perfect.","start":1610.25,"end":1610.75,"sentiment":"positive","sentiment_score":0.6603772640228271},{"text":"Yeah.","start":1611.4501,"end":1611.77,"sentiment":"neutral","sentiment_score":0.33027803897857666},{"text":"So what I will do then, that way you'd also have it in your inbox as a bit of a reminder, is that I will get the team to email you the form, have a look at them.","start":1611.77,"end":1622.01,"sentiment":"neutral","sentiment_score":0.298189944342563},{"text":"And like I said, if you do wanna give it to your family members, just complete it a a 100% to your legal personal representative, and then make sure you do note it in the will as well.","start":1622.01,"end":1635.005,"sentiment":"neutral","sentiment_score":0.2415568177637301},{"text":"Does that all make sense?","start":1635.005,"end":1636.385,"sentiment":"neutral","sentiment_score":0.16603776961565017}],"sentiment":"neutral","sentiment_score":0.2690508567604674,"num_words":83,"start":1610.25,"end":1636.385},{"sentences":[{"text":"Yep.","start":1637.34,"end":1637.84,"sentiment":"neutral","sentiment_score":0.09590685367584229},{"text":"Beautiful.","start":1643.3474,"end":1643.8474,"sentiment":"neutral","sentiment_score":0.07228663563728333},{"text":"Yeah.","start":1662.97,"end":1663.47,"sentiment":"neutral","sentiment_score":-0.05758938193321228},{"text":"Sorry.","start":1664.25,"end":1664.75,"sentiment":"neutral","sentiment_score":-0.09068962931632996},{"text":"Because you have your super with hub twenty four?","start":1664.8099,"end":1667.3099,"sentiment":"neutral","sentiment_score":-0.039124092708031334}],"sentiment":"neutral","sentiment_score":-0.025554027408361435,"num_words":13,"start":1637.34,"end":1667.3099},{"sentences":[{"text":"Yeah.","start":1669.21,"end":1669.53,"sentiment":"neutral","sentiment_score":-0.01099863089621067},{"text":"So do you have a c bus account that you opened up as well, or you mean from your old one?","start":1669.53,"end":1675.5651,"sentiment":"neutral","sentiment_score":-0.032288472301193645},{"text":"Okay.","start":1687.4,"end":1687.9,"sentiment":"neutral","sentiment_score":0.019587721675634384},{"text":"Let me just check here for you.","start":1689.8,"end":1692.22,"sentiment":"neutral","sentiment_score":0.032775643680776866},{"text":"And yeah.","start":1697.4,"end":1698.06,"sentiment":"neutral","sentiment_score":0.010115256533026695}],"sentiment":"neutral","sentiment_score":-0.01311902527231723,"num_words":32,"start":1669.21,"end":1698.06},{"sentences":[{"text":"So let me just get, just bear with me.","start":1698.12,"end":1700.365,"sentiment":"neutral","sentiment_score":0.011181561483277215},{"text":"Let me get all this information up for you.","start":1700.365,"end":1702.705,"sentiment":"neutral","sentiment_score":0.11422879124681155},{"text":"Now are you still receiving statements from Cebus?","start":1705.245,"end":1708.545,"sentiment":"neutral","sentiment_score":-0.045803488697856665},{"text":"Yeah.","start":1717.1,"end":1717.6,"sentiment":"neutral","sentiment_score":-0.08859081566333771},{"text":"No.","start":1728.765,"end":1729.165,"sentiment":"neutral","sentiment_score":-0.23719239234924316}],"sentiment":"neutral","sentiment_score":0.01558864489197731,"num_words":28,"start":1698.12,"end":1729.165},{"sentences":[{"text":"That's okay.","start":1729.165,"end":1729.645,"sentiment":"neutral","sentiment_score":0.018956275656819344},{"text":"They should email it through you as well because yeah.","start":1729.645,"end":1735.9851,"sentiment":"neutral","sentiment_score":0.10968245565891266},{"text":"No.","start":1739.1799,"end":1739.4199,"sentiment":"negative","sentiment_score":-0.38359957933425903},{"text":"That's alright.","start":1739.4199,"end":1740.3999,"sentiment":"neutral","sentiment_score":-0.23711972869932652},{"text":"Because I can see here that when you obviously came on board and we did your initial advice, you used to be with CBAS.","start":1741.74,"end":1749.36,"sentiment":"neutral","sentiment_score":0.0007000397890806198}],"sentiment":"neutral","sentiment_score":0.0075307442591740536,"num_words":39,"start":1729.165,"end":1749.36},{"sentences":[{"text":"And you had a bit of money in Cbus, but that was all, by the looks of it, transferred and consolidated to hub twenty four where you currently have your super.","start":1750.2351,"end":1760.5751,"sentiment":"neutral","sentiment_score":-0.0164440150462812},{"text":"But let me just triple check the transactions because on on our end, it looks like that was all finalized and that you don't have it open anymore unless you've put any contributions or anything afterwards into it.","start":1761.1151,"end":1777.4199,"sentiment":"neutral","sentiment_score":-0.13719286887269272},{"text":"No.","start":1779.545,"end":1780.045,"sentiment":"neutral","sentiment_score":-0.26680195331573486},{"text":"No?","start":1781.0651,"end":1781.5651,"sentiment":"neutral","sentiment_score":-0.25197434425354004},{"text":"Yes.","start":1787.0651,"end":1787.305,"sentiment":"neutral","sentiment_score":0.02287483774125576}],"sentiment":"neutral","sentiment_score":-0.0863749297697925,"num_words":72,"start":1750.2351,"end":1787.305},{"sentences":[{"text":"Yeah.","start":1787.305,"end":1787.625,"sentiment":"neutral","sentiment_score":0.033864378929138184},{"text":"Sorry.","start":1787.625,"end":1788.105,"sentiment":"neutral","sentiment_score":0.019445875659585},{"text":"I have your your hub 24 that I've actually emailed you, which does have your your current super balance as well.","start":1788.105,"end":1796.74,"sentiment":"neutral","sentiment_score":0.09107207515764804},{"text":"Now I do wanna just triple check because just that your c bus was completely closed down from our end because it looks like it was, but I do wanna triple check that for you while I'm in your account.","start":1797.4401,"end":1811.925,"sentiment":"neutral","sentiment_score":-0.03819285469362512},{"text":"No.","start":1818.3201,"end":1818.64,"sentiment":"neutral","sentiment_score":-0.20711137354373932}],"sentiment":"neutral","sentiment_score":0.003609347993915435,"num_words":64,"start":1787.305,"end":1818.64},{"sentences":[{"text":"So when you when you oh, yes.","start":1818.64,"end":1820.64,"sentiment":"neutral","sentiment_score":-0.08201393591506141},{"text":"Yeah.","start":1820.64,"end":1820.88,"sentiment":"neutral","sentiment_score":-0.05402851849794388},{"text":"So no.","start":1820.88,"end":1821.52,"sentiment":"neutral","sentiment_score":-0.18205054849386215},{"text":"The reason was that when you came on board in 2022, you obviously had advice with the director, Sabrina Sarta.","start":1821.52,"end":1831.14,"sentiment":"neutral","sentiment_score":-0.11021108869463206},{"text":"And part of the advice was to, obviously, assess your superannuation and assess if that was a more suitable option that was going to do a little bit better for you, as well as looking at your comprehensive insurances.","start":1831.805,"end":1847.6,"sentiment":"neutral","sentiment_score":-0.055878825628986724}],"sentiment":"neutral","sentiment_score":-0.07790903101904668,"num_words":69,"start":1818.64,"end":1847.6},{"sentences":[{"text":"Now having a look at that document, because I do have it in front of me as well, obviously, every time we do make a recommendation, there's a lot of research that goes into it to make sure that if we switch your super funds, it is going to put you in a better position.","start":1848.7,"end":1865.995,"sentiment":"neutral","sentiment_score":0.2777064910666509},{"text":"So factoring in, obviously, fees and returns and everything, because we are bound by that best interest duty, which means that we always have to act in your best interest at all time, and the advice we put together has to put you in a better position.","start":1865.995,"end":1880.43,"sentiment":"neutral","sentiment_score":0.2433745689848636},{"text":"Now having a bit of a look at this, it was recommended that you change from CBA to Hub 20 four.","start":1880.9701,"end":1889.945,"sentiment":"neutral","sentiment_score":0.006203371277522473},{"text":"Okay.","start":1896.885,"end":1897.385,"sentiment":"neutral","sentiment_score":-0.00005995109677314758},{"text":"Hub twenty four.","start":1898.42,"end":1902.5,"sentiment":"neutral","sentiment_score":0.02697616070508957}],"sentiment":"neutral","sentiment_score":0.21199685888819572,"num_words":127,"start":1848.7,"end":1902.5},{"sentences":[{"text":"You're balanced.","start":1902.5,"end":1903.16,"sentiment":"neutral","sentiment_score":0.09871761500835419},{"text":"Oh, okay.","start":1904.74,"end":1905.2999,"sentiment":"neutral","sentiment_score":-0.02805076539516449},{"text":"Perfect.","start":1905.2999,"end":1905.7999,"sentiment":"neutral","sentiment_score":0.07012671232223511},{"text":"I thought you were asking why c bus was shut down.","start":1906.02,"end":1909.08,"sentiment":"neutral","sentiment_score":-0.10499855401841077},{"text":"No.","start":1912.675,"end":1912.915,"sentiment":"neutral","sentiment_score":-0.15669558942317963}],"sentiment":"neutral","sentiment_score":-0.06471878071041669,"num_words":17,"start":1902.5,"end":1912.915},{"sentences":[{"text":"That's okay.","start":1912.915,"end":1913.735,"sentiment":"neutral","sentiment_score":-0.08776529505848885},{"text":"It's in your mind.","start":1914.595,"end":1915.575,"sentiment":"neutral","sentiment_score":-0.035033256746828556},{"text":"No.","start":1916.755,"end":1916.995,"sentiment":"neutral","sentiment_score":-0.20030753314495087},{"text":"That's okay.","start":1916.995,"end":1917.635,"sentiment":"neutral","sentiment_score":-0.18731829524040222},{"text":"I was no.","start":1917.635,"end":1919.735,"sentiment":"neutral","sentiment_score":-0.18423514068126678}],"sentiment":"neutral","sentiment_score":-0.12027609689782064,"num_words":12,"start":1912.915,"end":1919.735},{"sentences":[{"text":"No.","start":1920.115,"end":1920.355,"sentiment":"neutral","sentiment_score":-0.2872132658958435},{"text":"That's okay.","start":1920.355,"end":1920.995,"sentiment":"neutral","sentiment_score":-0.223265141248703},{"text":"Because I was like, no.","start":1920.995,"end":1921.875,"sentiment":"neutral","sentiment_score":-0.2002204567193985},{"text":"I don't have c Bus here.","start":1921.875,"end":1923.155,"sentiment":"neutral","sentiment_score":-0.20436114817857742},{"text":"That's all closed now.","start":1923.155,"end":1924.375,"sentiment":"neutral","sentiment_score":-0.23961707949638367}],"sentiment":"neutral","sentiment_score":-0.21774894661373562,"num_words":18,"start":1920.115,"end":1924.375},{"sentences":[{"text":"What?","start":1926.46,"end":1926.96,"sentiment":"neutral","sentiment_score":-0.11608445644378662},{"text":"No.","start":1927.34,"end":1927.58,"sentiment":"neutral","sentiment_score":-0.21215315163135529},{"text":"No.","start":1927.58,"end":1927.6599,"sentiment":"neutral","sentiment_score":-0.2439146637916565},{"text":"No.","start":1927.6599,"end":1928.0599,"sentiment":"neutral","sentiment_score":-0.27750056982040405},{"text":"Your super is very much still here.","start":1928.0599,"end":1930.1399,"sentiment":"neutral","sentiment_score":-0.18130811197417124}],"sentiment":"neutral","sentiment_score":-0.1926190568642183,"num_words":11,"start":1926.46,"end":1930.1399},{"sentences":[{"text":"It's just not with CBass.","start":1930.1399,"end":1931.34,"sentiment":"neutral","sentiment_score":-0.09804416447877884},{"text":"It's with Hub twenty four.","start":1931.34,"end":1932.38,"sentiment":"neutral","sentiment_score":-0.04096575155854225},{"text":"So we're on the we we're on the right.","start":1932.38,"end":1934.94,"sentiment":"neutral","sentiment_score":-0.016271066748433642},{"text":"Yes.","start":1934.94,"end":1935.2599,"sentiment":"neutral","sentiment_score":0.15921631455421448},{"text":"It's very much here.","start":1935.2599,"end":1936.48,"sentiment":"neutral","sentiment_score":0.23215458169579506}],"sentiment":"neutral","sentiment_score":0.010264394183953604,"num_words":24,"start":1930.1399,"end":1936.48},{"sentences":[{"text":"Now, Barry, do you have access to your emails?","start":1936.62,"end":1939.6749,"sentiment":"neutral","sentiment_score":0.05141258529490895},{"text":"Because I have actually sent you a couple of documents, and part of that is showing you your current super balance, your performance, your insurances, and everything so that you can see it.","start":1939.6749,"end":1948.975,"sentiment":"neutral","sentiment_score":0.08960668923276843},{"text":"Yeah.","start":1949.115,"end":1949.355,"sentiment":"neutral","sentiment_score":0.0792989730834961},{"text":"Sure.","start":1949.355,"end":1949.855,"sentiment":"neutral","sentiment_score":0.030383575707674023},{"text":"Yeah.","start":1959.31,"end":1959.63,"sentiment":"neutral","sentiment_score":-0.0008881576359272003}],"sentiment":"neutral","sentiment_score":0.07841174229979515,"num_words":45,"start":1936.62,"end":1959.63},{"sentences":[{"text":"That's okay.","start":1959.63,"end":1960.37,"sentiment":"neutral","sentiment_score":0.08025491237640381},{"text":"Yeah.","start":1960.51,"end":1960.91,"sentiment":"neutral","sentiment_score":0.06296033412218094},{"text":"Most people most people do that as well.","start":1960.91,"end":1963.49,"sentiment":"neutral","sentiment_score":0.04999902565032244},{"text":"Yeah.","start":1963.8949,"end":1964.375,"sentiment":"neutral","sentiment_score":-0.00488092377781868},{"text":"No.","start":1964.375,"end":1964.5349,"sentiment":"neutral","sentiment_score":-0.30109351873397827}],"sentiment":"neutral","sentiment_score":0.024422147812751625,"num_words":13,"start":1959.63,"end":1964.5349},{"sentences":[{"text":"That's that's all good.","start":1964.5349,"end":1966.875,"sentiment":"neutral","sentiment_score":-0.08893891051411629},{"text":"Now we have recently changed the software as well, so it could end up in spam folder potentially.","start":1968.215,"end":1974.075,"sentiment":"negative","sentiment_score":-0.5530746529499689},{"text":"Yeah.","start":1983.2001,"end":1983.7001,"sentiment":"neutral","sentiment_score":-0.012604882940649986},{"text":"Yes.","start":1986.4,"end":1986.8,"sentiment":"neutral","sentiment_score":0.011988027952611446},{"text":"That's me.","start":1986.8,"end":1987.62,"sentiment":"neutral","sentiment_score":-0.013795818667858839}],"sentiment":"negative","sentiment_score":-0.397665687979987,"num_words":26,"start":1964.5349,"end":1987.62},{"sentences":[{"text":"Mhmm.","start":1987.8401,"end":1988.325,"sentiment":"neutral","sentiment_score":-0.004847698379307985},{"text":"Yes.","start":1992.1649,"end":1992.6649,"sentiment":"neutral","sentiment_score":0.03010718896985054},{"text":"Yes.","start":1994.1649,"end":1994.565,"sentiment":"neutral","sentiment_score":0.06504412740468979},{"text":"But if you click on that, it will show you all the documents before asking you to sign anything, and that gives you a breakdown of everything today.","start":1994.565,"end":2002.0249,"sentiment":"neutral","sentiment_score":0.0907334544962006},{"text":"Correct.","start":2003.44,"end":2003.94,"sentiment":"neutral","sentiment_score":0.15404121577739716}],"sentiment":"neutral","sentiment_score":0.08702754873957019,"num_words":32,"start":1987.8401,"end":2003.94},{"sentences":[{"text":"Yes.","start":2004.08,"end":2004.58,"sentiment":"neutral","sentiment_score":0.11130480468273164},{"text":"So if if you wanna click on that for me, it should open up a couple of documents.","start":2004.7999,"end":2011.14,"sentiment":"neutral","sentiment_score":0.08219576482143667},{"text":"The first one should say summary of superannuation.","start":2011.5199,"end":2014.98,"sentiment":"neutral","sentiment_score":0.0577917518094182},{"text":"Can you see that document?","start":2016.415,"end":2017.955,"sentiment":"neutral","sentiment_score":0.016006913781166077},{"text":"Yes.","start":2019.855,"end":2020.355,"sentiment":"neutral","sentiment_score":-0.02572466991841793}],"sentiment":"neutral","sentiment_score":0.06386280257367727,"num_words":33,"start":2004.08,"end":2020.355},{"sentences":[{"text":"Perfect.","start":2020.415,"end":2020.915,"sentiment":"neutral","sentiment_score":0.28935927152633667},{"text":"Yep.","start":2022.735,"end":2023.235,"sentiment":"neutral","sentiment_score":0.07811471819877625},{"text":"Now that tells us here that your superannuation balance is $87,234.99.","start":2023.375,"end":2034.62,"sentiment":"neutral","sentiment_score":0.08323561772704124},{"text":"Now do you have access to HUB 24 as well if you ever just wanted to go in and see how much is there?","start":2035.5599,"end":2044.3049,"sentiment":"neutral","sentiment_score":0.06442321029802163},{"text":"We'll check anything yourself quickly as well.","start":2044.3049,"end":2047.105,"sentiment":"neutral","sentiment_score":0.06079684304339545}],"sentiment":"neutral","sentiment_score":0.07397274393588305,"num_words":44,"start":2020.415,"end":2047.105},{"sentences":[{"text":"Do you have all your login details and everything?","start":2047.105,"end":2050.165,"sentiment":"neutral","sentiment_score":0.01909350438250436},{"text":"No.","start":2056.64,"end":2057.14,"sentiment":"neutral","sentiment_score":-0.09587444365024568},{"text":"So what you because I use Hub twenty four for my personal superannuation as well.","start":2057.28,"end":2062.42,"sentiment":"neutral","sentiment_score":-0.017995329201221467},{"text":"I I find the easiest way is on your phone.","start":2063.28,"end":2067.06,"sentiment":"neutral","sentiment_score":0.10930685624480248},{"text":"Sorry.","start":2068.355,"end":2068.675,"sentiment":"neutral","sentiment_score":0.029239561408758163}],"sentiment":"neutral","sentiment_score":0.025787368934187625,"num_words":36,"start":2047.105,"end":2068.675},{"sentences":[{"text":"If you have a smartphone, you can actually download an app with Hub twenty four.","start":2068.675,"end":2074.615,"sentiment":"neutral","sentiment_score":0.08012246613701185},{"text":"And then once you kind of actually, if you have a pen and paper, paper, I can read out because you need your account information, and then you just need to set a password.","start":2076.1948,"end":2088.6,"sentiment":"neutral","sentiment_score":0.05580690535990631},{"text":"If you haven't kind of done it, it will ask you to to do that.","start":2089.3,"end":2093.14,"sentiment":"neutral","sentiment_score":-0.03867095435659091},{"text":"But if you have a pen and paper or are able to note it, like, on notes on your phone, I can read out your login ID for you if you wanna note this down.","start":2093.14,"end":2103.325,"sentiment":"neutral","sentiment_score":0.20408043946538654},{"text":"So let me know when you're ready.","start":2105.545,"end":2107.2449,"sentiment":"neutral","sentiment_score":0.23314207792282104}],"sentiment":"neutral","sentiment_score":0.1065473338272774,"num_words":106,"start":2068.675,"end":2107.2449},{"sentences":[{"text":"Yep.","start":2110.04,"end":2110.54,"sentiment":"neutral","sentiment_score":0.08512043207883835},{"text":"So 13 676.","start":2110.9202,"end":2119.02,"sentiment":"neutral","sentiment_score":0.04668972579141458},{"text":"So this is your login ID if you want it to go into your account yourself at any point in time.","start":2121.175,"end":2128.075,"sentiment":"neutral","sentiment_score":0.06371650365846497},{"text":"Yep.","start":2133.51,"end":2133.83,"sentiment":"neutral","sentiment_score":0.11431636661291122},{"text":"So 1367 6922.","start":2133.83,"end":2141.53,"sentiment":"neutral","sentiment_score":0.07164732615152995}],"sentiment":"neutral","sentiment_score":0.06525843211546026,"num_words":29,"start":2110.04,"end":2141.53},{"sentences":[{"text":"Now this is your login ID.","start":2144.805,"end":2146.725,"sentiment":"neutral","sentiment_score":0.169891819357872},{"text":"So if you later go and download the Hub 24 app on your mobile phone, it will ask you for your login ID, which is the one I just gave you, and then it will ask you for a password.","start":2146.725,"end":2159.7898,"sentiment":"neutral","sentiment_score":0.1753618748858571},{"text":"You can just create your own password, and then you have access to your account so that you can go and have a look at your super balance.","start":2160.25,"end":2168.65,"sentiment":"neutral","sentiment_score":0.2325946358697755},{"text":"You can always call us.","start":2168.65,"end":2169.69,"sentiment":"neutral","sentiment_score":0.23845814168453217},{"text":"We we always have access to it.","start":2169.69,"end":2171.0498,"sentiment":"neutral","sentiment_score":0.27394076330321177}],"sentiment":"neutral","sentiment_score":0.20530641590093457,"num_words":86,"start":2144.805,"end":2171.0498},{"sentences":[{"text":"You can always give us a call if you want a bit of an update.","start":2171.0498,"end":2173.5498,"sentiment":"neutral","sentiment_score":0.2977197607358297},{"text":"That way, it's really makes it easy if you wanna have a look at it whenever you want to.","start":2173.815,"end":2178.635,"sentiment":"positive","sentiment_score":0.35580972935024063},{"text":"You can also do that quite easily just on your mobile phone as well.","start":2179.335,"end":2183.035,"sentiment":"neutral","sentiment_score":0.22702000396592276},{"text":"Alright.","start":2194.79,"end":2195.11,"sentiment":"neutral","sentiment_score":0.022075634449720383},{"text":"Let me have a look at that for you.","start":2195.11,"end":2197.1301,"sentiment":"neutral","sentiment_score":0.020827086849345103}],"sentiment":"neutral","sentiment_score":0.25196518517773725,"num_words":58,"start":2171.0498,"end":2197.1301},{"sentences":[{"text":"Yes.","start":2199.5151,"end":2199.915,"sentiment":"neutral","sentiment_score":0.03304623067378998},{"text":"Let me have a look at your statements for you.","start":2199.915,"end":2202.5752,"sentiment":"neutral","sentiment_score":0.039096171781420705},{"text":"So Alright.","start":2203.195,"end":2212.65,"sentiment":"neutral","sentiment_score":0.017105222679674625},{"text":"So nothing in May or April.","start":2212.65,"end":2215.15,"sentiment":"neutral","sentiment_score":-0.054488624135653176},{"text":"Nothing in January.","start":2217.1301,"end":2218.51,"sentiment":"neutral","sentiment_score":-0.08453705410162608}],"sentiment":"neutral","sentiment_score":-0.005560205148702318,"num_words":22,"start":2199.5151,"end":2218.51},{"sentences":[{"text":"Alright.","start":2232.9048,"end":2233.2249,"sentiment":"neutral","sentiment_score":-0.011902494356036186},{"text":"Nothing in December or November.","start":2233.2249,"end":2237.23,"sentiment":"neutral","sentiment_score":-0.03639903515577316},{"text":"Let me have a look.","start":2238.01,"end":2239.23,"sentiment":"neutral","sentiment_score":0.026832161471247673},{"text":"Are you getting the rain at the moment as well?","start":2242.97,"end":2245.31,"sentiment":"neutral","sentiment_score":-0.013199370354413986},{"text":"No?","start":2248.5852,"end":2249.0852,"sentiment":"neutral","sentiment_score":-0.1129019558429718}],"sentiment":"neutral","sentiment_score":-0.013846932825717058,"num_words":22,"start":2232.9048,"end":2249.0852},{"sentences":[{"text":"Oh, yeah.","start":2251.3052,"end":2251.705,"sentiment":"neutral","sentiment_score":-0.046009736135602},{"text":"It's pouring down here.","start":2251.705,"end":2253.0852,"sentiment":"neutral","sentiment_score":-0.041893416084349155},{"text":"Now April.","start":2254.8252,"end":2256.5251,"sentiment":"neutral","sentiment_score":-0.00005103740841150284},{"text":"So I can see the last one was on the April 28, so 2025, and that was from a Sherian Contracting and Maintenance.","start":2257.5452,"end":2272.19,"sentiment":"neutral","sentiment_score":0.016175910344590313},{"text":"It says Sheriden Contracting and Maintenance PTY LTD.","start":2276.665,"end":2282.925,"sentiment":"neutral","sentiment_score":0.013502472313120961}],"sentiment":"neutral","sentiment_score":0.005650525769362083,"num_words":39,"start":2251.3052,"end":2282.925},{"sentences":[{"text":"It says S H E R I D A N.","start":2288.5999,"end":2293.0999,"sentiment":"neutral","sentiment_score":0.004324849345721304},{"text":"April twenty twenty five.","start":2309.91,"end":2312.01,"sentiment":"neutral","sentiment_score":-0.002955674659460783},{"text":"And I can't see anything before then.","start":2316.07,"end":2318.73,"sentiment":"neutral","sentiment_score":-0.11319664865732193},{"text":"I can see that's pretty regularly.","start":2319.27,"end":2321.29,"sentiment":"neutral","sentiment_score":-0.10572568699717522},{"text":"So then if I keep going, I can see from the same company in February 2025, but then there was another one in February 2025 from a road and rail excavations.","start":2321.3499,"end":2337.065,"sentiment":"neutral","sentiment_score":-0.040138726212805315}],"sentiment":"neutral","sentiment_score":-0.045510437592446544,"num_words":58,"start":2288.5999,"end":2337.065},{"sentences":[{"text":"Yes.","start":2344.05,"end":2344.55,"sentiment":"neutral","sentiment_score":0.02113966643810272},{"text":"Yes.","start":2345.57,"end":2345.97,"sentiment":"neutral","sentiment_score":0.03886192664504051},{"text":"Correct.","start":2345.97,"end":2346.45,"sentiment":"neutral","sentiment_score":0.04045667871832848},{"text":"February 2025.","start":2346.45,"end":2348.1501,"sentiment":"neutral","sentiment_score":0.018660733476281166},{"text":"The yeah.","start":2354.2249,"end":2355.025,"sentiment":"neutral","sentiment_score":0.02060007583349943}],"sentiment":"neutral","sentiment_score":0.02556855577443327,"num_words":7,"start":2344.05,"end":2355.025},{"sentences":[{"text":"Twenty twenty five April, and that was the Sheridan Contracting and Maintenance.","start":2355.025,"end":2359.285,"sentiment":"neutral","sentiment_score":0.03176469448953867},{"text":"Yeah.","start":2365.28,"end":2365.76,"sentiment":"neutral","sentiment_score":0.020102132111787796},{"text":"So the one in April was for a $121.60.","start":2365.76,"end":2370.9001,"sentiment":"neutral","sentiment_score":0.021512111648917198},{"text":"And then the same one that they did they did one in February 2025, and that was $58.73.","start":2373.6802,"end":2386.525,"sentiment":"neutral","sentiment_score":0.011079016658994887},{"text":"And that road and rail excavation in February, they did $63.25.","start":2388.84,"end":2395.74,"sentiment":"neutral","sentiment_score":0.020059270106933334}],"sentiment":"neutral","sentiment_score":0.01990121062479767,"num_words":51,"start":2355.025,"end":2395.74},{"sentences":[{"text":"Yeah.","start":2399.1602,"end":2399.4802,"sentiment":"neutral","sentiment_score":0.05815771594643593},{"text":"And then you also had one in January 2025.","start":2399.4802,"end":2403.1602,"sentiment":"neutral","sentiment_score":0.025851634020606678},{"text":"You had two in January 2025, actually, from and that was a little bit bigger.","start":2403.1602,"end":2408.2449,"sentiment":"neutral","sentiment_score":0.012054926964143913},{"text":"It was from a you had a Carmen Construction, and then you Carmen yeah.","start":2408.2449,"end":2421.59,"sentiment":"neutral","sentiment_score":0.01490261678450874},{"text":"And then you also had a okay.","start":2421.6501,"end":2425.35,"sentiment":"neutral","sentiment_score":0.003839765675365925}],"sentiment":"neutral","sentiment_score":0.015373072202276924,"num_words":46,"start":2399.1602,"end":2425.35},{"sentences":[{"text":"This I don't know how to pronounce this, so I will spell spell it through you.","start":2425.6501,"end":2429.73,"sentiment":"neutral","sentiment_score":-0.07080812403000891},{"text":"Sorry.","start":2429.73,"end":2430.05,"sentiment":"neutral","sentiment_score":-0.06350414454936981},{"text":"It's j r a m a l c o, and that was a company.","start":2430.05,"end":2436.045,"sentiment":"neutral","sentiment_score":0.04968016188857811},{"text":"Yeah.","start":2437.145,"end":2437.625,"sentiment":"neutral","sentiment_score":0.026480458676815033},{"text":"And they put about 2572 in.","start":2437.625,"end":2441.885,"sentiment":"neutral","sentiment_score":0.0016202277814348538}],"sentiment":"neutral","sentiment_score":-0.012229211505894599,"num_words":38,"start":2425.6501,"end":2441.885},{"sentences":[{"text":"Yep.","start":2444.105,"end":2444.605,"sentiment":"neutral","sentiment_score":0.05701690912246704},{"text":"So, yeah, perfect.","start":2447.145,"end":2449.27,"sentiment":"neutral","sentiment_score":0.1985189119974772},{"text":"Does that answer that question?","start":2449.27,"end":2450.65,"sentiment":"neutral","sentiment_score":0.1031592071056366},{"text":"Yeah.","start":2451.8298,"end":2452.3298,"sentiment":"neutral","sentiment_score":-0.013951854780316353},{"text":"Yeah.","start":2455.8298,"end":2456.3298,"sentiment":"neutral","sentiment_score":-0.0493718683719635}],"sentiment":"neutral","sentiment_score":0.10045872340825471,"num_words":11,"start":2444.105,"end":2456.3298},{"sentences":[{"text":"Correct.","start":2458.95,"end":2459.45,"sentiment":"neutral","sentiment_score":0.023548385128378868},{"text":"Yes.","start":2460.885,"end":2461.205,"sentiment":"neutral","sentiment_score":0.0525374747812748},{"text":"Yep.","start":2461.205,"end":2461.705,"sentiment":"neutral","sentiment_score":0.037477102130651474},{"text":"Yep.","start":2463.445,"end":2463.925,"sentiment":"neutral","sentiment_score":0.20891855657100675},{"text":"Perfect.","start":2463.925,"end":2464.425,"sentiment":"positive","sentiment_score":0.4346493184566498}],"sentiment":"neutral","sentiment_score":0.15142616741359233,"num_words":5,"start":2458.95,"end":2464.425},{"sentences":[{"text":"Now going back to the email, you should see let me see here.","start":2465.205,"end":2470.805,"sentiment":"neutral","sentiment_score":0.0631647830685744},{"text":"Also, your insurances.","start":2470.805,"end":2472.2651,"sentiment":"neutral","sentiment_score":-0.013955719148119291},{"text":"So you have insurance with one part, and you have life and total permanent disability insurance, and that is $297,124.","start":2474.6501,"end":2490.345,"sentiment":"neutral","sentiment_score":0.011299135070294142},{"text":"Are you still happy with the level of cover for life and KPD if something were to happen?","start":2491.125,"end":2496.985,"sentiment":"neutral","sentiment_score":0.11789212913976775},{"text":"Yep.","start":2498.9,"end":2499.2998,"sentiment":"positive","sentiment_score":0.3619993925094605}],"sentiment":"neutral","sentiment_score":0.06344209892505949,"num_words":55,"start":2465.205,"end":2499.2998},{"sentences":[{"text":"Perfect.","start":2499.2998,"end":2499.7998,"sentiment":"positive","sentiment_score":0.611369252204895},{"text":"Dominate.","start":2513.075,"end":2513.575,"sentiment":"neutral","sentiment_score":0.16633880138397217},{"text":"Correct.","start":2514.2751,"end":2514.7751,"sentiment":"neutral","sentiment_score":0.07499128580093384},{"text":"Yes.","start":2514.835,"end":2515.155,"sentiment":"neutral","sentiment_score":0.045188579708337784},{"text":"For life two separate.","start":2515.155,"end":2519.975,"sentiment":"neutral","sentiment_score":-0.040173741057515144}],"sentiment":"neutral","sentiment_score":0.09214911935850978,"num_words":8,"start":2499.2998,"end":2519.975},{"sentences":[{"text":"Sorry.","start":2520.675,"end":2521.175,"sentiment":"neutral","sentiment_score":-0.04882527142763138},{"text":"Two separate.","start":2521.32,"end":2522.22,"sentiment":"neutral","sentiment_score":-0.02939541917294264},{"text":"So you have one life, and that is yep.","start":2522.28,"end":2524.36,"sentiment":"neutral","sentiment_score":0.019642971973452304},{"text":"If something were to happen to you, whoever you nominate on the forms and in the will will get two 197,000.","start":2524.36,"end":2530.1401,"sentiment":"neutral","sentiment_score":0.02238238150519984},{"text":"You also have a total permanent disability.","start":2530.84,"end":2533.8,"sentiment":"neutral","sentiment_score":-0.015445644035935402}],"sentiment":"neutral","sentiment_score":0.010777028533630073,"num_words":40,"start":2520.675,"end":2533.8},{"sentences":[{"text":"So that is if something happened to you and you can never go back to work again, that is paid to you.","start":2533.8,"end":2539.845,"sentiment":"neutral","sentiment_score":-0.03894763050431555},{"text":"So that is 297.","start":2540.065,"end":2541.825,"sentiment":"neutral","sentiment_score":-0.0069243458565324545},{"text":"Sorry.","start":2541.825,"end":2542.065,"sentiment":"neutral","sentiment_score":-0.0686630830168724},{"text":"There's two.","start":2542.065,"end":2542.805,"sentiment":"neutral","sentiment_score":-0.04393023997545242},{"text":"So one for the injury and then one for life.","start":2543.105,"end":2547.045,"sentiment":"neutral","sentiment_score":-0.03079447504132986}],"sentiment":"neutral","sentiment_score":-0.03459009148467045,"num_words":39,"start":2533.8,"end":2547.045},{"sentences":[{"text":"Yep.","start":2547.27,"end":2547.77,"sentiment":"neutral","sentiment_score":0.014989692717790604},{"text":"Now correct.","start":2550.71,"end":2556.81,"sentiment":"neutral","sentiment_score":0.007818765006959438},{"text":"That's that is what you are paying for for the insurances, so the insurance will pay that.","start":2557.27,"end":2562.47,"sentiment":"neutral","sentiment_score":-0.012188457760631162},{"text":"Yes.","start":2562.47,"end":2562.97,"sentiment":"neutral","sentiment_score":0.057058341801166534},{"text":"Yep.","start":2564.285,"end":2564.785,"sentiment":"neutral","sentiment_score":0.10423635691404344}],"sentiment":"neutral","sentiment_score":-0.0006946300219913769,"num_words":22,"start":2547.27,"end":2564.785},{"sentences":[{"text":"And that is why it's good for those forms on the will because that means also so if something were to happen to you as well, your super will also be paid out.","start":2564.845,"end":2573.805,"sentiment":"neutral","sentiment_score":0.18687951384168683},{"text":"So your family would get that life policy of almost 300,000 plus your super balance of 87,000.","start":2573.805,"end":2581.62,"sentiment":"neutral","sentiment_score":0.14868727983797297},{"text":"Yep.","start":2583.68,"end":2584.18,"sentiment":"neutral","sentiment_score":0.1255313605070114},{"text":"Yep.","start":2584.56,"end":2585.06,"sentiment":"neutral","sentiment_score":0.08956629037857056},{"text":"Now you also have an income protection policy.","start":2585.2,"end":2588.18,"sentiment":"neutral","sentiment_score":0.080575714353472}],"sentiment":"neutral","sentiment_score":0.15924018466224274,"num_words":60,"start":2564.845,"end":2588.18},{"sentences":[{"text":"Now this one here will pay you a monthly amount of 4,098.","start":2588.96,"end":2595.7651,"sentiment":"neutral","sentiment_score":0.09581817562381427},{"text":"You have a thirty day waiting period and a six year benefit period.","start":2596.465,"end":2600.885,"sentiment":"neutral","sentiment_score":0.07328224124816748},{"text":"Now with the income protection because, obviously, your income has changed quite a bit.","start":2601.185,"end":2606.165,"sentiment":"neutral","sentiment_score":-0.01871482389313834},{"text":"With income protection, now it can cover you for up to 70% of your income.","start":2608.51,"end":2614.1301,"sentiment":"neutral","sentiment_score":0.13329200992981594},{"text":"So, obviously, you could, at the moment, be covered for more if something were to happen.","start":2614.9902,"end":2620.83,"sentiment":"neutral","sentiment_score":0.09064841119106859}],"sentiment":"neutral","sentiment_score":0.07557477767446212,"num_words":70,"start":2588.96,"end":2620.83},{"sentences":[{"text":"It doesn't mean you have to do it if you're okay with what you are currently paying for, but you could potentially be eligible for it.","start":2620.83,"end":2629.2249,"sentiment":"neutral","sentiment_score":0.1761265087586183},{"text":"What I do want to kind of let you know as well is that especially when it comes to kind of sole traders and stuff as well or when you more so when you move into a business point of view.","start":2631.125,"end":2644.1301,"sentiment":"neutral","sentiment_score":0.23619061890171794},{"text":"If you have people working for you and you continue to make money even though you're not working, the insurance could potentially offset that as well.","start":2644.27,"end":2653.965,"sentiment":"neutral","sentiment_score":0.06031198942890534},{"text":"So something to be mindful of when you get through that point.","start":2654.205,"end":2658.0652,"sentiment":"neutral","sentiment_score":-0.004005797517796357},{"text":"But at the moment, if it's just you working and if something were to happen to you and you can't work tomorrow, you will not earn an income, then you would still be able to get paid out.","start":2658.205,"end":2668.96,"sentiment":"neutral","sentiment_score":-0.0233530651189779}],"sentiment":"neutral","sentiment_score":0.1041659460357436,"num_words":143,"start":2620.83,"end":2668.96},{"sentences":[{"text":"Yep.","start":2671.5,"end":2672.0,"sentiment":"neutral","sentiment_score":0.1122179478406906},{"text":"Now with the mhmm.","start":2672.3,"end":2677.52,"sentiment":"neutral","sentiment_score":0.0403358549810946},{"text":"Yes.","start":2677.82,"end":2678.32,"sentiment":"neutral","sentiment_score":0.06370453536510468},{"text":"Yes.","start":2688.065,"end":2688.565,"sentiment":"neutral","sentiment_score":0.08740588277578354},{"text":"So 4,098.","start":2696.4,"end":2698.48,"sentiment":"neutral","sentiment_score":0.07797272503376007}],"sentiment":"neutral","sentiment_score":0.06451302621927527,"num_words":9,"start":2671.5,"end":2698.48},{"sentences":[{"text":"Now it will be taxed when it comes out as well.","start":2698.48,"end":2701.7,"sentiment":"neutral","sentiment_score":0.0862052095207301},{"text":"So you will pay tax on the amount based on your marginal tax rate.","start":2702.0,"end":2706.4648,"sentiment":"neutral","sentiment_score":0.07944583147764206},{"text":"So it depends what your income is before going on claim and how much tax you pay, so it will be a little bit less.","start":2706.4648,"end":2713.845,"sentiment":"neutral","sentiment_score":0.03987976238131523},{"text":"Yep.","start":2717.9202,"end":2718.4202,"sentiment":"neutral","sentiment_score":0.006722049787640572},{"text":"So thirty days.","start":2718.48,"end":2720.9001,"sentiment":"neutral","sentiment_score":0.0036726569135983786}],"sentiment":"neutral","sentiment_score":0.05694875973104327,"num_words":54,"start":2698.48,"end":2720.9001},{"sentences":[{"text":"Yes.","start":2723.12,"end":2723.62,"sentiment":"neutral","sentiment_score":0.0981983095407486},{"text":"Now the good thing with OnePath is that aside from OnePath and in, and Zurich, they are the only insurer who pays a claim.","start":2723.76,"end":2733.735,"sentiment":"neutral","sentiment_score":0.19652027326325575},{"text":"So you have to wait the thirty days, but then also it's paid in arrears.","start":2733.735,"end":2738.395,"sentiment":"neutral","sentiment_score":0.11109645038377494},{"text":"So it's usually paid, like, behind.","start":2738.455,"end":2740.395,"sentiment":"neutral","sentiment_score":0.057996987054745354},{"text":"Now all the other insurers pay thirty days in behind.","start":2741.0151,"end":2745.115,"sentiment":"neutral","sentiment_score":0.05592842847108841}],"sentiment":"neutral","sentiment_score":0.13193567554740834,"num_words":56,"start":2723.12,"end":2745.115},{"sentences":[{"text":"So that would mean when you have thirty days waiting, it will you will get the benefit after sixty days.","start":2745.18,"end":2750.48,"sentiment":"neutral","sentiment_score":0.21688637360930443},{"text":"One pass has a little bit better, which they only have to wait fifteen days.","start":2751.3398,"end":2755.8398,"sentiment":"neutral","sentiment_score":0.03160491039355596},{"text":"So if something were to happen and you're off work, it will mean you have to be off work for thirty days.","start":2756.14,"end":2761.715,"sentiment":"neutral","sentiment_score":-0.07132664441385052},{"text":"And then after about two weeks, you will then start getting that monthly replay income replacement.","start":2762.0151,"end":2767.395,"sentiment":"neutral","sentiment_score":0.13529557269066572},{"text":"So it's a little bit better.","start":2769.375,"end":2770.7551,"sentiment":"neutral","sentiment_score":0.3271493862072627}],"sentiment":"neutral","sentiment_score":0.09329418267441701,"num_words":79,"start":2745.18,"end":2770.7551},{"sentences":[{"text":"And OnePath is unique as well in that they have six years, whereas other insurers typically have five years.","start":2771.135,"end":2778.2898,"sentiment":"neutral","sentiment_score":0.21027837772118418},{"text":"So if something were to happen and you are eligible, you could get that monthly benefit paid for up to six years.","start":2778.75,"end":2786.2898,"sentiment":"positive","sentiment_score":0.37876014140519226},{"text":"Yeah.","start":2788.365,"end":2788.865,"sentiment":"neutral","sentiment_score":0.23596765100955963},{"text":"Are you happy with how your income protection is at the moment with how much you are covered for?","start":2790.365,"end":2796.945,"sentiment":"neutral","sentiment_score":0.28441278636455536},{"text":"Or Mhmm.","start":2797.485,"end":2809.04,"sentiment":"neutral","sentiment_score":-0.015949897468090057}],"sentiment":"neutral","sentiment_score":0.2846971918193121,"num_words":63,"start":2771.135,"end":2809.04},{"sentences":[{"text":"Yep.","start":2813.195,"end":2813.695,"sentiment":"neutral","sentiment_score":-0.04596391320228577},{"text":"Yes.","start":2813.995,"end":2814.495,"sentiment":"neutral","sentiment_score":-0.0508972704410553},{"text":"Mhmm.","start":2820.075,"end":2820.575,"sentiment":"neutral","sentiment_score":-0.1103290319442749},{"text":"Yep.","start":2822.155,"end":2822.655,"sentiment":"neutral","sentiment_score":0.00029163312865421176},{"text":"So how the income protection work is assessing 70% of your income at the time of claim.","start":2826.97,"end":2835.39,"sentiment":"neutral","sentiment_score":0.012079082758111112}],"sentiment":"neutral","sentiment_score":-0.00007400836052727858,"num_words":21,"start":2813.195,"end":2835.39},{"sentences":[{"text":"So if your income fluctuates quite a bit, it is something to be mindful of because how it works is, let's say, you earned a 180,000 last financial year.","start":2835.965,"end":2846.305,"sentiment":"neutral","sentiment_score":-0.006149204769011201},{"text":"That would mean that you technically could have an income protection policy that would pay you 10,500 a month.","start":2846.925,"end":2855.18,"sentiment":"neutral","sentiment_score":0.05908982191038759},{"text":"Now, obviously, increasing to that will cost a lot more as well because you are getting a more benefit if something were to happen.","start":2855.4001,"end":2864.385,"sentiment":"neutral","sentiment_score":0.12841164708758393},{"text":"But let's say we go and increase it and you are covered for 10,000, and let's say next financial year, you earn, let's say, a 120,000, even though you are covered for or paying for up to 10,000, because your income when you were to go on claim is less, you would only be eligible to receive 7,000 even though you're paying for more because your income has gone down.","start":2864.865,"end":2897.405,"sentiment":"neutral","sentiment_score":0.006260983699134418},{"text":"Does that make sense?","start":2899.465,"end":2900.685,"sentiment":"neutral","sentiment_score":0.038923201616853476}],"sentiment":"neutral","sentiment_score":0.03164534844866354,"num_words":146,"start":2835.965,"end":2900.685},{"sentences":[{"text":"So it's quite fluctuating.","start":2901.0652,"end":2902.445,"sentiment":"neutral","sentiment_score":0.043303846032358706},{"text":"Yeah.","start":2902.905,"end":2903.405,"sentiment":"neutral","sentiment_score":0.003288649022579193},{"text":"Mhmm.","start":2906.4,"end":2906.9,"sentiment":"neutral","sentiment_score":0.0026775579899549484},{"text":"Correct.","start":2918.575,"end":2919.055,"sentiment":"neutral","sentiment_score":0.26564180850982666},{"text":"We could increase it.","start":2919.055,"end":2921.2349,"sentiment":"neutral","sentiment_score":0.21368217840790749}],"sentiment":"neutral","sentiment_score":0.11814110120758414,"num_words":11,"start":2901.0652,"end":2921.2349},{"sentences":[{"text":"However, the process would be if you wanted to increase it, it would mean that the insurance premium so at the moment, you can see there in front of you for life TPD and income participation the way that it is currently.","start":2922.9749,"end":2934.87,"sentiment":"neutral","sentiment_score":-0.08118020583476339},{"text":"After the tax rebate, it's 2,880.","start":2935.4102,"end":2939.27,"sentiment":"neutral","sentiment_score":0.033903446358939014},{"text":"Now if we increase it to, let's say, 10,000 a month, and often they would need especially for sole traders, they need two years worth of income to assess your income for how much you're covered for.","start":2939.81,"end":2956.915,"sentiment":"neutral","sentiment_score":0.006659337294262809},{"text":"But let's say that you you have earned a 180 for the last two financial years.","start":2956.915,"end":2961.46,"sentiment":"neutral","sentiment_score":-0.016555729904212058},{"text":"If we increase how much you would receive on a monthly basis, it's going to make the cost a lot more.","start":2962.0,"end":2967.54,"sentiment":"neutral","sentiment_score":-0.17236070725179853}],"sentiment":"neutral","sentiment_score":-0.05610015588339235,"num_words":122,"start":2922.9749,"end":2967.54},{"sentences":[{"text":"Yeah.","start":2969.68,"end":2970.18,"sentiment":"neutral","sentiment_score":-0.041902944445610046},{"text":"Yeah.","start":2971.8398,"end":2972.3398,"sentiment":"neutral","sentiment_score":-0.09091797471046448},{"text":"So, obviously, as well, if you do So it would be to it would be to the insurer.","start":2972.4,"end":2990.9502,"sentiment":"neutral","sentiment_score":-0.05373981481211053},{"text":"So they would they would have the policy.","start":2991.1702,"end":2993.1702,"sentiment":"neutral","sentiment_score":0.007205111440271139},{"text":"So it would be cost you just pay the yeah.","start":2993.1702,"end":2997.1702,"sentiment":"neutral","sentiment_score":-0.011679009348154069}],"sentiment":"neutral","sentiment_score":-0.03050754704561673,"num_words":38,"start":2969.68,"end":2997.1702},{"sentences":[{"text":"You pay the insurer directly.","start":2997.1702,"end":2998.79,"sentiment":"neutral","sentiment_score":-0.010034456104040145},{"text":"So it would be more.","start":2999.785,"end":3001.865,"sentiment":"neutral","sentiment_score":-0.020716692507266998},{"text":"Now to go about quoting it, it's a bit of a process because it's very tailored and specific to you.","start":3001.865,"end":3009.565,"sentiment":"neutral","sentiment_score":0.03986115483567119},{"text":"So what the process is is if, let's say, you wanted to look at increasing the cover, we would because the insurance will reassess risk and everything like that again.","start":3009.865,"end":3021.41,"sentiment":"neutral","sentiment_score":-0.0355913068788747},{"text":"So we would have to go through another pre assessment with you.","start":3021.63,"end":3026.695,"sentiment":"neutral","sentiment_score":-0.07282899040728807}],"sentiment":"neutral","sentiment_score":-0.01803082968884458,"num_words":72,"start":2997.1702,"end":3026.695},{"sentences":[{"text":"So going through quite extensive, you know, that medicals and lifestyle and occupation.","start":3026.835,"end":3032.775,"sentiment":"neutral","sentiment_score":-0.04360704295910322},{"text":"From that, I will send that information through the insurer, and they would then let me know quote an outcome.","start":3033.795,"end":3041.655,"sentiment":"neutral","sentiment_score":0.08062284085899592},{"text":"So because it's tailored to you.","start":3042.78,"end":3044.54,"sentiment":"neutral","sentiment_score":0.22366119921207428},{"text":"So it is a bit of a process.","start":3044.54,"end":3046.1602,"sentiment":"neutral","sentiment_score":0.12292005028575659},{"text":"But if it is something that you want us to do, we could go through that.","start":3047.74,"end":3051.6,"sentiment":"neutral","sentiment_score":0.16027242969721556}],"sentiment":"neutral","sentiment_score":0.09421034494326228,"num_words":63,"start":3026.835,"end":3051.6},{"sentences":[{"text":"It's up to you.","start":3052.9402,"end":3054.08,"sentiment":"neutral","sentiment_score":0.0991728650406003},{"text":"Yes.","start":3061.605,"end":3062.105,"sentiment":"neutral","sentiment_score":0.019494179636240005},{"text":"How what it would look like.","start":3063.205,"end":3064.745,"sentiment":"neutral","sentiment_score":0.01580822840332985},{"text":"Yeah.","start":3065.125,"end":3065.625,"sentiment":"neutral","sentiment_score":0.1487736999988556},{"text":"Now yeah.","start":3067.14,"end":3069.54,"sentiment":"positive","sentiment_score":0.48685748875141144}],"sentiment":"neutral","sentiment_score":0.11668026340859276,"num_words":14,"start":3052.9402,"end":3069.54},{"sentences":[{"text":"Perfect.","start":3069.54,"end":3070.04,"sentiment":"positive","sentiment_score":0.6226171255111694},{"text":"Now with your income, you said, obviously, you're on track for a 180,000 this year.","start":3070.18,"end":3075.0798,"sentiment":"neutral","sentiment_score":0.26654018064339957},{"text":"Do okay.","start":3076.0999,"end":3081.335,"sentiment":"neutral","sentiment_score":0.10827657207846642},{"text":"So what we can do is that I can book you in for that pre assessment, and that will be with my colleague Whitlam.","start":3083.155,"end":3091.575,"sentiment":"neutral","sentiment_score":0.15054800268262625},{"text":"For that conversation, if you could have your income for this financial year and last financial year at hand, that will be good.","start":3092.2751,"end":3102.86,"sentiment":"neutral","sentiment_score":0.14756468521512073}],"sentiment":"neutral","sentiment_score":0.18222173544076772,"num_words":65,"start":3069.54,"end":3102.86},{"sentences":[{"text":"Yep.","start":3104.52,"end":3105.02,"sentiment":"neutral","sentiment_score":0.19028180837631223},{"text":"Now when it comes through the benefit, so having the six years, are you still happy with the six years, or do you wanna look at alternative options?","start":3106.2,"end":3117.305,"sentiment":"neutral","sentiment_score":0.02721043722704053},{"text":"So getting paid for for six years.","start":3121.5398,"end":3124.5798,"sentiment":"neutral","sentiment_score":-0.001977125315793923},{"text":"So how long you can receive the the monthly amount for?","start":3124.5798,"end":3128.2798,"sentiment":"neutral","sentiment_score":0.021209328012032944},{"text":"You happy with six?","start":3130.42,"end":3131.64,"sentiment":"neutral","sentiment_score":0.05853700404986739}],"sentiment":"neutral","sentiment_score":0.02756440780107297,"num_words":51,"start":3104.52,"end":3131.64},{"sentences":[{"text":"Yep.","start":3132.74,"end":3133.0598,"sentiment":"neutral","sentiment_score":0.07152031362056732},{"text":"Perfect.","start":3133.0598,"end":3133.5598,"sentiment":"neutral","sentiment_score":0.2824003994464874},{"text":"And are you happy with that shorter waiting period of just the thirty days?","start":3133.895,"end":3138.375,"sentiment":"neutral","sentiment_score":0.1655323835355895},{"text":"Are you happy with with that?","start":3138.375,"end":3140.135,"sentiment":"neutral","sentiment_score":0.04983788418273131},{"text":"Yep.","start":3140.135,"end":3140.635,"sentiment":"neutral","sentiment_score":0.11039044708013536}],"sentiment":"neutral","sentiment_score":0.13394747107573177,"num_words":23,"start":3132.74,"end":3140.635},{"sentences":[{"text":"Okay.","start":3141.255,"end":3141.7349,"sentiment":"neutral","sentiment_score":0.21060529351234436},{"text":"Beautiful.","start":3141.7349,"end":3142.2349,"sentiment":"positive","sentiment_score":0.3854103684425354},{"text":"And you are still happy with life and TPD as is?","start":3143.255,"end":3146.135,"sentiment":"neutral","sentiment_score":0.21785138682885605},{"text":"It's mainly just looking at increasing your income protection?","start":3146.135,"end":3149.115,"sentiment":"neutral","sentiment_score":0.09666305614842309},{"text":"Yep.","start":3152.02,"end":3152.52,"sentiment":"neutral","sentiment_score":0.0036271351855248217}],"sentiment":"neutral","sentiment_score":0.16808589380841865,"num_words":23,"start":3141.255,"end":3152.52},{"sentences":[{"text":"Yep.","start":3153.94,"end":3154.44,"sentiment":"neutral","sentiment_score":0.01471053995192051},{"text":"Yeah.","start":3157.94,"end":3158.44,"sentiment":"neutral","sentiment_score":-0.01502537913620472},{"text":"No.","start":3161.78,"end":3162.28,"sentiment":"neutral","sentiment_score":-0.07217654585838318},{"text":"Or only due to illness.","start":3162.82,"end":3164.68,"sentiment":"neutral","sentiment_score":-0.098025581240654},{"text":"Yeah.","start":3165.995,"end":3166.315,"sentiment":"neutral","sentiment_score":-0.04745057225227356}],"sentiment":"neutral","sentiment_score":-0.0677855403886901,"num_words":9,"start":3153.94,"end":3166.315},{"sentences":[{"text":"So it's only due to illness or accident.","start":3166.315,"end":3168.655,"sentiment":"neutral","sentiment_score":-0.08291712030768394},{"text":"So if something were to happen and let's say yes.","start":3169.195,"end":3176.415,"sentiment":"neutral","sentiment_score":-0.042847399786114695},{"text":"Correct.","start":3180.49,"end":3180.99,"sentiment":"neutral","sentiment_score":0.003654314205050469},{"text":"Yes.","start":3181.05,"end":3181.3699,"sentiment":"neutral","sentiment_score":-0.0003404691815376282},{"text":"So if you have an an accident or an illness or anything that prevents you from working.","start":3181.3699,"end":3189.71,"sentiment":"neutral","sentiment_score":-0.06815347853390609}],"sentiment":"neutral","sentiment_score":-0.06073260136150025,"num_words":37,"start":3166.315,"end":3189.71},{"sentences":[{"text":"Now that can happen anywhere.","start":3191.9548,"end":3193.555,"sentiment":"neutral","sentiment_score":-0.06112464666366577},{"text":"So Correct.","start":3193.555,"end":3196.295,"sentiment":"neutral","sentiment_score":-0.020520079415291548},{"text":"Correct.","start":3200.355,"end":3200.855,"sentiment":"neutral","sentiment_score":0.02039981633424759},{"text":"Correct.","start":3201.315,"end":3201.815,"sentiment":"neutral","sentiment_score":0.07157386839389801},{"text":"Now what the insurance will also do is any preexisting condition, they will exclude.","start":3202.53,"end":3210.55,"sentiment":"neutral","sentiment_score":-0.11125279643705913}],"sentiment":"neutral","sentiment_score":-0.07879255902346062,"num_words":23,"start":3191.9548,"end":3210.55},{"sentences":[{"text":"So that is something to be mindful of.","start":3210.85,"end":3212.85,"sentiment":"neutral","sentiment_score":-0.21558892168104649},{"text":"If there is any preexisting condition, so let's say mental health, for example, because that happened after this policy was first taken out, on a new policy, it very much could mean that they will not cover mental health because that is a preexisting condition.","start":3212.85,"end":3231.6448,"sentiment":"neutral","sentiment_score":-0.3264135539531708},{"text":"So what the insurers do Correct.","start":3232.1902,"end":3239.6501,"sentiment":"neutral","sentiment_score":-0.0719514259447654},{"text":"Correct.","start":3240.4302,"end":3240.9302,"sentiment":"neutral","sentiment_score":-0.045630715787410736},{"text":"Yeah.","start":3241.2302,"end":3241.4702,"sentiment":"neutral","sentiment_score":-0.03791412338614464}],"sentiment":"neutral","sentiment_score":-0.27751761797021646,"num_words":61,"start":3210.85,"end":3241.4702},{"sentences":[{"text":"Because you you had it were you diagnosed in 2024?","start":3241.4702,"end":3247.25,"sentiment":"neutral","sentiment_score":-0.02199598103761673},{"text":"Yes.","start":3248.935,"end":3249.435,"sentiment":"neutral","sentiment_score":0.047825612127780914},{"text":"Now let me just triple check here for you when your policy was put in force.","start":3249.575,"end":3255.515,"sentiment":"neutral","sentiment_score":0.04643425368703902},{"text":"So just bear with me.","start":3256.295,"end":3258.155,"sentiment":"neutral","sentiment_score":0.017698238044977187},{"text":"Yes.","start":3266.6301,"end":3267.1301,"sentiment":"neutral","sentiment_score":-0.019627869129180908}],"sentiment":"neutral","sentiment_score":0.019384157025452816,"num_words":33,"start":3241.4702,"end":3267.1301},{"sentences":[{"text":"So I have here the ADHD was around twenty twenty four.","start":3267.1902,"end":3271.1301,"sentiment":"neutral","sentiment_score":-0.06433756344697693},{"text":"Yeah.","start":3271.51,"end":3272.01,"sentiment":"neutral","sentiment_score":0.014474712312221529},{"text":"Now let me because I do have your application here is when we put your policy in force in December 2022.","start":3272.505,"end":3279.565,"sentiment":"neutral","sentiment_score":0.07743631551663081},{"text":"So let me just triple check that for you while I have it open.","start":3280.345,"end":3284.4448,"sentiment":"neutral","sentiment_score":0.08641466551593371},{"text":"So, obviously, in 2024, if you had no mental health or ADHD or nothing like that, it will mean that you are covered.","start":3286.77,"end":3294.53,"sentiment":"neutral","sentiment_score":-0.08851194559879925}],"sentiment":"neutral","sentiment_score":0.0015279244099344527,"num_words":70,"start":3267.1902,"end":3294.53},{"sentences":[{"text":"So if something were to happen tomorrow, let's say mental health, not great, and you need to take time off work because of it, you are currently covered if that's the case.","start":3294.53,"end":3306.105,"sentiment":"neutral","sentiment_score":-0.23331850208342075},{"text":"On a new policy, what the insurers most likely will do when there's anything because mental health is so common.","start":3306.485,"end":3314.905,"sentiment":"neutral","sentiment_score":-0.14255610723048448},{"text":"So many people nowadays yeah.","start":3315.26,"end":3320.24,"sentiment":"neutral","sentiment_score":-0.1343686982989311},{"text":"So yeah.","start":3320.3,"end":3321.9,"sentiment":"neutral","sentiment_score":-0.10766137391328812},{"text":"So what would happen on a new policy that we were to take out is that what the insurers are gonna do, because their job is just to assess risk.","start":3321.9,"end":3330.0,"sentiment":"neutral","sentiment_score":-0.15841621682047843}],"sentiment":"neutral","sentiment_score":-0.17929176354173865,"num_words":89,"start":3294.53,"end":3330.0},{"sentences":[{"text":"So all they look at is just like a paper of what the risk is of you claiming.","start":3330.425,"end":3335.2449,"sentiment":"neutral","sentiment_score":-0.19393618777394295},{"text":"So if there is anything preexisting, they will be well, we are not covering this because there's a higher chance of you claiming on it.","start":3335.705,"end":3344.25,"sentiment":"neutral","sentiment_score":-0.3267668351531029},{"text":"So that that is kind of the the risk.","start":3344.81,"end":3348.99,"sentiment":"negative","sentiment_score":-0.3399879104561276},{"text":"Now let me have a look here.","start":3349.13,"end":3351.23,"sentiment":"neutral","sentiment_score":-0.06399769655295781},{"text":"We did have anxiety listed on the form.","start":3353.13,"end":3360.4548,"sentiment":"neutral","sentiment_score":-0.043141618836671114}],"sentiment":"neutral","sentiment_score":-0.23153776536459353,"num_words":67,"start":3330.425,"end":3360.4548},{"sentences":[{"text":"Let me see here.","start":3362.1948,"end":3363.895,"sentiment":"neutral","sentiment_score":0.00862714322283864},{"text":"No time of work.","start":3366.275,"end":3367.815,"sentiment":"neutral","sentiment_score":-0.07881821691989899},{"text":"Let's see.","start":3374.61,"end":3375.51,"sentiment":"neutral","sentiment_score":-0.007086008321493864},{"text":"No.","start":3376.1301,"end":3376.45,"sentiment":"neutral","sentiment_score":0.023108992725610733},{"text":"That all looks good.","start":3376.45,"end":3378.71,"sentiment":"neutral","sentiment_score":0.224668487906456}],"sentiment":"neutral","sentiment_score":0.0417897755280137,"num_words":15,"start":3362.1948,"end":3378.71},{"sentences":[{"text":"Let me have a look here in the portal for you to see if I can see it as well.","start":3380.77,"end":3388.0352,"sentiment":"neutral","sentiment_score":0.11008962178602814},{"text":"No.","start":3396.975,"end":3397.47,"sentiment":"neutral","sentiment_score":-0.0932486429810524},{"text":"So you do not have a exclusion.","start":3397.55,"end":3400.45,"sentiment":"neutral","sentiment_score":-0.12514854009662355},{"text":"So what would happen at the moment is that you would be covered for mental health on your current policy, which is good.","start":3400.51,"end":3407.49,"sentiment":"neutral","sentiment_score":0.06087150392325028},{"text":"That's good.","start":3408.19,"end":3408.67,"sentiment":"neutral","sentiment_score":0.19526825472712517}],"sentiment":"neutral","sentiment_score":0.057039341731172685,"num_words":53,"start":3380.77,"end":3408.67},{"sentences":[{"text":"We took it out early.","start":3408.67,"end":3409.8699,"sentiment":"neutral","sentiment_score":-0.012560796737670899},{"text":"So on a new one, they could say we're not covering it.","start":3409.8699,"end":3415.795,"sentiment":"neutral","sentiment_score":-0.195990818242232},{"text":"So so that correct.","start":3417.135,"end":3420.915,"sentiment":"neutral","sentiment_score":-0.09734913520514965},{"text":"Correct.","start":3424.9102,"end":3425.4102,"sentiment":"neutral","sentiment_score":-0.011343033984303474},{"text":"Correct.","start":3429.87,"end":3429.9502,"sentiment":"neutral","sentiment_score":-0.020090853795409203}],"sentiment":"neutral","sentiment_score":-0.12328366222588913,"num_words":23,"start":3408.67,"end":3429.9502},{"sentences":[{"text":"Sorry.","start":3429.9502,"end":3430.4502,"sentiment":"neutral","sentiment_score":-0.08589385449886322},{"text":"Yeah.","start":3440.605,"end":3441.105,"sentiment":"neutral","sentiment_score":-0.06252337992191315},{"text":"Correct.","start":3448.2998,"end":3448.7,"sentiment":"neutral","sentiment_score":0.006045525893568993},{"text":"Or if yeah.","start":3448.7,"end":3450.0598,"sentiment":"neutral","sentiment_score":-0.022877498840292294},{"text":"Or if it was some something else.","start":3450.0598,"end":3451.98,"sentiment":"neutral","sentiment_score":-0.0638885817357472}],"sentiment":"neutral","sentiment_score":-0.05063263670756267,"num_words":13,"start":3429.9502,"end":3451.98},{"sentences":[{"text":"Like, if if you broke your leg and you put it where Correct.","start":3451.98,"end":3462.975,"sentiment":"neutral","sentiment_score":-0.053201956244615406},{"text":"If we were to keep that policy so when you rewrite a policy, we can either replace the one we have right now, which we would not want to do if you are covered for mental health.","start":3463.5151,"end":3474.24,"sentiment":"neutral","sentiment_score":-0.11989446346824234},{"text":"We wanna keep that in place.","start":3474.24,"end":3475.7,"sentiment":"neutral","sentiment_score":0.0025897864252328873},{"text":"So you can look at, like, a top up amount, but the top up amount will most likely have the mental health exclusion.","start":3475.84,"end":3483.46,"sentiment":"neutral","sentiment_score":-0.21055849560576936},{"text":"Are you still wanting to go down there looking at increasing it, or or what are your thoughts?","start":3487.475,"end":3494.2952,"sentiment":"neutral","sentiment_score":-0.08320079185068607}],"sentiment":"neutral","sentiment_score":-0.11806846920823313,"num_words":97,"start":3451.98,"end":3494.2952},{"sentences":[{"text":"Yep.","start":3497.635,"end":3498.135,"sentiment":"neutral","sentiment_score":-0.009323650039732456},{"text":"Yes.","start":3500.13,"end":3500.63,"sentiment":"neutral","sentiment_score":0.026806175708770752},{"text":"Yes.","start":3503.73,"end":3504.23,"sentiment":"neutral","sentiment_score":0.11598801612854004},{"text":"Yep.","start":3504.29,"end":3504.79,"sentiment":"neutral","sentiment_score":0.14955678582191467},{"text":"And then you can decide.","start":3505.0898,"end":3506.23,"sentiment":"neutral","sentiment_score":0.11405565142631531}],"sentiment":"neutral","sentiment_score":0.09481173163900773,"num_words":9,"start":3497.635,"end":3506.23},{"sentences":[{"text":"Correct.","start":3509.17,"end":3509.67,"sentiment":"positive","sentiment_score":0.5482861995697021},{"text":"Correct.","start":3512.0051,"end":3512.5051,"sentiment":"neutral","sentiment_score":0.2003609836101532},{"text":"And then we'll take it.","start":3514.325,"end":3518.385,"sentiment":"neutral","sentiment_score":0.13615833967924118},{"text":"Yes.","start":3518.965,"end":3519.465,"sentiment":"neutral","sentiment_score":0.09040778875350952},{"text":"Okay.","start":3519.685,"end":3520.185,"sentiment":"neutral","sentiment_score":0.08541761338710785}],"sentiment":"neutral","sentiment_score":0.17836269819074207,"num_words":9,"start":3509.17,"end":3520.185},{"sentences":[{"text":"What it will be?","start":3521.605,"end":3522.42,"sentiment":"neutral","sentiment_score":0.053383223712444305},{"text":"Yeah.","start":3522.74,"end":3523.22,"sentiment":"neutral","sentiment_score":0.07960968464612961},{"text":"Of course.","start":3523.22,"end":3523.96,"sentiment":"neutral","sentiment_score":0.12302066385746002},{"text":"So what I will do is I will book you in, like I said, with my colleague, Whitlam.","start":3524.42,"end":3529.3198,"sentiment":"neutral","sentiment_score":0.2494726131359736},{"text":"He will go through a couple of questionnaires and stuff with you.","start":3529.7,"end":3533.0798,"sentiment":"neutral","sentiment_score":0.21343670909603438}],"sentiment":"neutral","sentiment_score":0.20516030953542605,"num_words":37,"start":3521.605,"end":3533.0798},{"sentences":[{"text":"After that appointment, he will then pass it on to me.","start":3533.2998,"end":3536.475,"sentiment":"neutral","sentiment_score":0.21617347950285132},{"text":"I will have a review of it, and I will go and speak to the insurance.","start":3536.475,"end":3540.3352,"sentiment":"neutral","sentiment_score":0.19778958428651094},{"text":"As soon as I've heard back from the insurance, I would give you a call with the outcome, and then you can let me know what you would like to do.","start":3540.955,"end":3548.415,"sentiment":"neutral","sentiment_score":0.22745951865949937},{"text":"So when is a good time for you to go through that questionnaire?","start":3548.955,"end":3554.97,"sentiment":"neutral","sentiment_score":0.14194987771602777},{"text":"When it's a good time?","start":3568.085,"end":3569.305,"sentiment":"neutral","sentiment_score":0.07470054179430008}],"sentiment":"neutral","sentiment_score":0.1949031292215774,"num_words":76,"start":3533.2998,"end":3569.305},{"sentences":[{"text":"Okay.","start":3570.005,"end":3570.505,"sentiment":"neutral","sentiment_score":0.05058801919221878},{"text":"Okay.","start":3571.125,"end":3571.625,"sentiment":"neutral","sentiment_score":0.05863542482256889},{"text":"Well, I will.","start":3571.765,"end":3572.7449,"sentiment":"neutral","sentiment_score":0.05305748681227366},{"text":"Yep.","start":3574.98,"end":3575.46,"sentiment":"neutral","sentiment_score":0.057865701615810394},{"text":"Alright.","start":3575.46,"end":3575.96,"sentiment":"neutral","sentiment_score":0.1530066430568695}],"sentiment":"neutral","sentiment_score":0.06846689273204122,"num_words":7,"start":3570.005,"end":3575.96},{"sentences":[{"text":"The best time.","start":3577.7,"end":3578.68,"sentiment":"neutral","sentiment_score":0.1816007768114408},{"text":"Ten thirty?","start":3582.66,"end":3583.48,"sentiment":"neutral","sentiment_score":0.046316059306263924},{"text":"Okay.","start":3587.4749,"end":3587.9749,"sentiment":"neutral","sentiment_score":0.07418911904096603},{"text":"Well, I will put in a little call here.","start":3588.115,"end":3590.755,"sentiment":"neutral","sentiment_score":0.07490222156047821},{"text":"So on Tuesday, June 2, for Whitlam to give you a call at 10:30 to check-in your schedule.","start":3590.755,"end":3598.135,"sentiment":"neutral","sentiment_score":0.10671271839075619}],"sentiment":"neutral","sentiment_score":0.10019916645956761,"num_words":33,"start":3577.7,"end":3598.135},{"sentences":[{"text":"If you have if you have time then, you could potentially go through the questionnaire.","start":3599.18,"end":3602.7,"sentiment":"neutral","sentiment_score":0.06445145408312479},{"text":"If you don't have time then, he can then book you in for when you have a little bit more time.","start":3602.7,"end":3607.1199,"sentiment":"neutral","sentiment_score":0.0698550920933485},{"text":"Yeah?","start":3608.5398,"end":3609.0398,"sentiment":"neutral","sentiment_score":0.05950985476374626},{"text":"Okay.","start":3609.2598,"end":3609.74,"sentiment":"neutral","sentiment_score":0.06204751878976822},{"text":"I will put put that in.","start":3609.74,"end":3611.92,"sentiment":"neutral","sentiment_score":0.05942072564115127}],"sentiment":"neutral","sentiment_score":0.06617751074108211,"num_words":44,"start":3599.18,"end":3611.92},{"sentences":[{"text":"And on Tuesday for that call, if you could have the incoming information, that would be good.","start":3612.7798,"end":3619.4949,"sentiment":"positive","sentiment_score":0.34029048505951376},{"text":"If you can't, that's okay.","start":3619.715,"end":3621.4949,"sentiment":"neutral","sentiment_score":0.0254391361027956},{"text":"I will just need it before I speak to the insurer.","start":3621.875,"end":3625.575,"sentiment":"neutral","sentiment_score":-0.000015762041915546764},{"text":"Yep.","start":3627.33,"end":3627.81,"sentiment":"neutral","sentiment_score":0.15004640817642212},{"text":"Okay.","start":3627.81,"end":3628.31,"sentiment":"neutral","sentiment_score":0.1979473978281021}],"sentiment":"neutral","sentiment_score":0.17885583857340473,"num_words":35,"start":3612.7798,"end":3628.31},{"sentences":[{"text":"Perfect.","start":3629.81,"end":3630.31,"sentiment":"positive","sentiment_score":0.7275404930114746},{"text":"So that is booked in just for a bit of a quick call anyway on Tuesday, June 2 at 10:30 just to touch base to see how things are looking for you with time.","start":3630.37,"end":3640.4702,"sentiment":"positive","sentiment_score":0.3655546693240895},{"text":"No.","start":3642.575,"end":3642.895,"sentiment":"neutral","sentiment_score":0.04485166817903519},{"text":"That's alright.","start":3642.895,"end":3643.7148,"sentiment":"neutral","sentiment_score":0.05907765403389931},{"text":"Mhmm.","start":3656.27,"end":3656.77,"sentiment":"neutral","sentiment_score":-0.03958086669445038}],"sentiment":"positive","sentiment_score":0.34050834255340773,"num_words":39,"start":3629.81,"end":3656.77},{"sentences":[{"text":"Mhmm.","start":3660.11,"end":3660.61,"sentiment":"neutral","sentiment_score":-0.006304345093667507},{"text":"Mhmm.","start":3668.685,"end":3669.185,"sentiment":"neutral","sentiment_score":-0.01745573803782463},{"text":"The tax, do you mean?","start":3690.075,"end":3691.695,"sentiment":"neutral","sentiment_score":-0.0554750919342041},{"text":"Unfortunately, not.","start":3693.7551,"end":3695.215,"sentiment":"neutral","sentiment_score":-0.13275431096553802},{"text":"Yeah.","start":3697.675,"end":3697.995,"sentiment":"neutral","sentiment_score":0.0070509836077690125}],"sentiment":"neutral","sentiment_score":-0.055959318112581966,"num_words":10,"start":3660.11,"end":3697.995},{"sentences":[{"text":"That is that is separate.","start":3697.995,"end":3699.455,"sentiment":"neutral","sentiment_score":0.00708557702600956},{"text":"Now with the income protection, though, I do wanna let you know as well.","start":3700.475,"end":3704.86,"sentiment":"neutral","sentiment_score":0.06808381926800523},{"text":"So at the moment, you have it paid from super, which means you don't pay for anything out of pocket.","start":3704.86,"end":3709.52,"sentiment":"neutral","sentiment_score":0.02854679450392723},{"text":"Now you can have income protection paid outside, which would mean that you would pay for it yourself, but you do get a tax deduction on the premium.","start":3710.2202,"end":3724.605,"sentiment":"neutral","sentiment_score":0.07751050884170192},{"text":"So sometimes business owners like that, but it also means that you would have to pay for it yourself.","start":3726.8699,"end":3733.8298,"sentiment":"neutral","sentiment_score":0.007265968934485787}],"sentiment":"neutral","sentiment_score":0.04497540584050639,"num_words":86,"start":3697.995,"end":3733.8298},{"sentences":[{"text":"So it does depend on cash flow and budget and stuff like that.","start":3733.8298,"end":3737.45,"sentiment":"neutral","sentiment_score":-0.018586652496686347},{"text":"So for your income protection, so the one we are looking at increasing for you, you can pay for that either out of pocket, so from your bank account, or for a super the way that you currently have it.","start":3742.485,"end":3758.24,"sentiment":"neutral","sentiment_score":0.0974909876473248},{"text":"So, obviously, the way that it's currently structured is that you don't actually have to pay for it yourself.","start":3758.6199,"end":3763.2,"sentiment":"neutral","sentiment_score":0.11108606779261639},{"text":"It just comes it comes out of super.","start":3763.42,"end":3765.44,"sentiment":"neutral","sentiment_score":0.14532440062612295},{"text":"So it doesn't impact your cash flow.","start":3766.455,"end":3768.5552,"sentiment":"neutral","sentiment_score":0.15389443933963776}],"sentiment":"neutral","sentiment_score":0.09205177691818654,"num_words":87,"start":3733.8298,"end":3768.5552},{"sentences":[{"text":"Now you can have it paid from your pack cash flow.","start":3768.7751,"end":3772.715,"sentiment":"positive","sentiment_score":0.607551859183745},{"text":"And if you do, you will get a tax deduction on the premium.","start":3774.695,"end":3779.7551,"sentiment":"positive","sentiment_score":0.6241066501690791},{"text":"So you could use that at your tax return to claim a bit of tax back.","start":3780.5,"end":3785.48,"sentiment":"positive","sentiment_score":0.5890622138977051},{"text":"But it will but it will mean that you would have to pay, obviously, more yourself from a cash flow point of view.","start":3786.74,"end":3793.96,"sentiment":"neutral","sentiment_score":0.003914776703585749},{"text":"So yes.","start":3794.8198,"end":3799.485,"sentiment":"neutral","sentiment_score":0.15289785712957382}],"sentiment":"positive","sentiment_score":0.37872750621575574,"num_words":65,"start":3768.7751,"end":3799.485},{"sentences":[{"text":"Yes.","start":3801.945,"end":3802.425,"sentiment":"neutral","sentiment_score":0.07638154923915863},{"text":"Sorry.","start":3802.425,"end":3802.905,"sentiment":"neutral","sentiment_score":-0.03452607989311218},{"text":"That that Yes.","start":3802.905,"end":3809.98,"sentiment":"neutral","sentiment_score":0.02560063699881236},{"text":"And then we can see you.","start":3812.84,"end":3814.1199,"sentiment":"neutral","sentiment_score":0.057740081722537674},{"text":"Yep.","start":3814.1199,"end":3814.6199,"sentiment":"neutral","sentiment_score":0.11230318993330002}],"sentiment":"neutral","sentiment_score":0.04811675505091747,"num_words":12,"start":3801.945,"end":3814.6199},{"sentences":[{"text":"Yes.","start":3821.735,"end":3822.235,"sentiment":"neutral","sentiment_score":0.16242468357086182},{"text":"That's fine.","start":3822.375,"end":3823.175,"sentiment":"neutral","sentiment_score":0.2374688908457756},{"text":"Well, we can definitely reassess that.","start":3823.175,"end":3825.5151,"sentiment":"neutral","sentiment_score":0.11644118403395017},{"text":"Now not too much to go left before I let you go and enjoy your afternoon, but there is a couple of more documents I do want to just quickly run through with you.","start":3826.695,"end":3835.41,"sentiment":"neutral","sentiment_score":0.06100967811310992},{"text":"Sorry.","start":3836.6099,"end":3837.01,"sentiment":"neutral","sentiment_score":-0.02586233988404274}],"sentiment":"neutral","sentiment_score":0.07691991557790474,"num_words":44,"start":3821.735,"end":3837.01},{"sentences":[{"text":"Back to the email, can you see the next one after that superann insurance summary?","start":3837.01,"end":3843.43,"sentiment":"neutral","sentiment_score":-0.0039787517239650095},{"text":"Can you see one where it says twelve months hub 24, like, performance with IRR.","start":3843.49,"end":3851.715,"sentiment":"neutral","sentiment_score":-0.004319007632633051},{"text":"Correct.","start":3857.7751,"end":3858.2751,"sentiment":"neutral","sentiment_score":-0.0026643797755241394},{"text":"It's yeah.","start":3859.855,"end":3860.415,"sentiment":"neutral","sentiment_score":0.013210024684667587},{"text":"It's on the same money.","start":3860.415,"end":3861.635,"sentiment":"neutral","sentiment_score":-0.004471847601234913}],"sentiment":"neutral","sentiment_score":-0.0032386831252982744,"num_words":38,"start":3837.01,"end":3861.635},{"sentences":[{"text":"Yes, please.","start":3862.81,"end":3863.69,"sentiment":"neutral","sentiment_score":0.04150969907641411},{"text":"Yep.","start":3863.69,"end":3864.19,"sentiment":"neutral","sentiment_score":0.05282609164714813},{"text":"Yep.","start":3866.97,"end":3867.47,"sentiment":"neutral","sentiment_score":0.06851206719875336},{"text":"Now this one here gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months.","start":3867.53,"end":3872.43,"sentiment":"neutral","sentiment_score":0.04924362068149177},{"text":"So your investments.","start":3873.05,"end":3874.1099,"sentiment":"neutral","sentiment_score":0.034066652258237205}],"sentiment":"neutral","sentiment_score":0.04792817823331932,"num_words":29,"start":3862.81,"end":3874.1099},{"sentences":[{"text":"So you probably have obviously seen the news and and heard that last twelve months, there's obviously been quite a bit of fluctuation in the market.","start":3874.825,"end":3881.965,"sentiment":"neutral","sentiment_score":-0.06299278168724133},{"text":"First, we obviously had everything going on with The US.","start":3882.585,"end":3885.385,"sentiment":"neutral","sentiment_score":-0.06678444184362889},{"text":"So you had, you know, Trump and tariffs and everything, which saw a bit of fluctuation in the market in the short term.","start":3885.385,"end":3890.99,"sentiment":"neutral","sentiment_score":-0.0915016028220239},{"text":"And then more recently, obviously, everything going on with the war has seen a bit of fluctuation in the market.","start":3891.37,"end":3898.1702,"sentiment":"neutral","sentiment_score":-0.13209022218361496},{"text":"So it's been a little bit more turbulent twelve months because of everything going on the last twelve months.","start":3898.1702,"end":3903.585,"sentiment":"neutral","sentiment_score":-0.174151621366802}],"sentiment":"neutral","sentiment_score":-0.10572325364135358,"num_words":98,"start":3874.825,"end":3903.585},{"sentences":[{"text":"Despite despite all of that, though, your portfolio has still done pretty good, which is great.","start":3904.545,"end":3910.325,"sentiment":"positive","sentiment_score":0.4943115250207484},{"text":"So after fees and this is also considering you haven't had any contributions from the employer come in during this time.","start":3911.025,"end":3918.085,"sentiment":"neutral","sentiment_score":0.15723339397282826},{"text":"So you haven't had any extra money go in.","start":3918.5798,"end":3921.24,"sentiment":"neutral","sentiment_score":0.03399522809518708},{"text":"So this is from from May to May.","start":3921.8599,"end":3924.44,"sentiment":"positive","sentiment_score":0.42722954228520393},{"text":"It's still done pretty good.","start":3925.22,"end":3927.3198,"sentiment":"positive","sentiment_score":0.6459246754646302}],"sentiment":"neutral","sentiment_score":0.3078695329190311,"num_words":59,"start":3904.545,"end":3927.3198},{"sentences":[{"text":"Now this all shows after fees as well, and it shows us that your portfolio overall is still up by 8.62% in the last twelve months just from your investments alone, which is pretty good.","start":3927.54,"end":3941.025,"sentiment":"positive","sentiment_score":0.5062226363590785},{"text":"Yeah.","start":3942.605,"end":3943.02,"sentiment":"neutral","sentiment_score":0.09736712276935576},{"text":"Now with your investments, I do want to look at changing one of them for you, and that is your Benelong Australian equity.","start":3943.34,"end":3953.92,"sentiment":"neutral","sentiment_score":0.0676320289950008},{"text":"That is the only one that has underperformed.","start":3955.18,"end":3958.16,"sentiment":"neutral","sentiment_score":0.15391449630260468},{"text":"Everyone else have done really good.","start":3959.6948,"end":3962.175,"sentiment":"positive","sentiment_score":0.43536662062009174}],"sentiment":"neutral","sentiment_score":0.3180029007721029,"num_words":73,"start":3927.54,"end":3962.175},{"sentences":[{"text":"So if you are on the page, the one yeah.","start":3962.175,"end":3968.7349,"sentiment":"neutral","sentiment_score":0.0723440833389759},{"text":"So so on the second column to the right, can you see where it says internal rate of return and a, like, a percentage?","start":3968.7349,"end":3976.5198,"sentiment":"neutral","sentiment_score":0.020194500335492194},{"text":"Yes.","start":3980.5,"end":3981.0,"sentiment":"neutral","sentiment_score":0.02535998821258545},{"text":"Now the one in bracket, so the first one, that is down.","start":3981.22,"end":3986.68,"sentiment":"neutral","sentiment_score":0.017387661927690107},{"text":"All the others are doing good.","start":3986.98,"end":3989.0,"sentiment":"neutral","sentiment_score":0.2361803576350212}],"sentiment":"neutral","sentiment_score":0.05394722487918049,"num_words":53,"start":3962.175,"end":3989.0},{"sentences":[{"text":"Can you see that?","start":3989.325,"end":3990.385,"sentiment":"neutral","sentiment_score":0.07046588137745857},{"text":"So when it has a bracket next to it, it means that it's down a little bit.","start":3990.685,"end":3995.585,"sentiment":"neutral","sentiment_score":-0.02847766613259035},{"text":"All the others are up.","start":3996.045,"end":3997.9849,"sentiment":"neutral","sentiment_score":-0.016339242085814477},{"text":"Correct.","start":3999.4849,"end":3999.9849,"sentiment":"neutral","sentiment_score":-0.005302848294377327},{"text":"So in the last twelve months.","start":4000.285,"end":4001.9849,"sentiment":"neutral","sentiment_score":-0.014897146883110205}],"sentiment":"neutral","sentiment_score":-0.011473901174736746,"num_words":33,"start":3989.325,"end":4001.9849},{"sentences":[{"text":"Yeah.","start":4004.0,"end":4004.5,"sentiment":"neutral","sentiment_score":-0.005990110337734222},{"text":"Yeah.","start":4010.4,"end":4010.72,"sentiment":"neutral","sentiment_score":-0.005580832716077566},{"text":"So that is in the last twelve months.","start":4010.72,"end":4012.82,"sentiment":"neutral","sentiment_score":-0.008771462365984917},{"text":"Sorry.","start":4018.815,"end":4019.315,"sentiment":"neutral","sentiment_score":-0.0445878766477108},{"text":"Yeah.","start":4020.575,"end":4021.055,"sentiment":"neutral","sentiment_score":-0.029521519318223}],"sentiment":"neutral","sentiment_score":-0.012987669828968743,"num_words":12,"start":4004.0,"end":4021.055},{"sentences":[{"text":"So that is only a small portion of your portfolio, though.","start":4021.055,"end":4024.575,"sentiment":"neutral","sentiment_score":-0.030863669954917648},{"text":"So even though that one has dropped, you can see that all the others have grown a lot.","start":4024.575,"end":4030.2,"sentiment":"neutral","sentiment_score":0.0009968886151909828},{"text":"Yeah.","start":4039.62,"end":4039.94,"sentiment":"neutral","sentiment_score":-0.038972802460193634},{"text":"So in the last twelve months, it is down by 18.87.","start":4039.94,"end":4044.36,"sentiment":"neutral","sentiment_score":-0.0753676982765848},{"text":"Yeah.","start":4047.125,"end":4047.625,"sentiment":"neutral","sentiment_score":0.10817620158195496}],"sentiment":"neutral","sentiment_score":-0.025747563246460187,"num_words":42,"start":4021.055,"end":4047.625},{"sentences":[{"text":"Yes.","start":4048.245,"end":4048.725,"sentiment":"neutral","sentiment_score":0.09359381347894669},{"text":"So I would like to look at changing that.","start":4048.725,"end":4050.885,"sentiment":"neutral","sentiment_score":0.05213511279887623},{"text":"Now sometimes when investments are down, it could be just because of a a market cycle.","start":4050.885,"end":4058.2651,"sentiment":"neutral","sentiment_score":-0.12980914441868663},{"text":"So sometimes the market goes through different cycles where some investments are doing better, others are doing worse, and it comes back around.","start":4058.85,"end":4066.85,"sentiment":"neutral","sentiment_score":-0.12193116999190787},{"text":"It's kind of a cycle.","start":4066.85,"end":4068.07,"sentiment":"neutral","sentiment_score":-0.16921491026878357}],"sentiment":"neutral","sentiment_score":-0.09564125820718429,"num_words":54,"start":4048.245,"end":4068.07},{"sentences":[{"text":"We've been along we we always do a lot of research on the investments, and we've been along even though they were one of the best performing fund managers have done really well, more recently, they've been a bit slower in making the investment decision.","start":4069.01,"end":4084.785,"sentiment":"neutral","sentiment_score":-0.12113577350974084},{"text":"And if we feel like it's not going to be the best option for you moving forward, we want to look at an alternative option that is going to put you in a better position.","start":4085.51,"end":4096.57,"sentiment":"neutral","sentiment_score":-0.3193462235586984},{"text":"So we've done a lot of research on the Bennelong investment, and we have found the investment committee have found another option that we would like to look at changing it for you, and that is called yep.","start":4097.605,"end":4112.56,"sentiment":"neutral","sentiment_score":0.0890254576837546},{"text":"So that would be your beta shares a 200, it's called.","start":4112.56,"end":4117.7,"sentiment":"neutral","sentiment_score":0.02435096116228537},{"text":"Yep.","start":4119.04,"end":4119.54,"sentiment":"neutral","sentiment_score":0.06308814883232117}],"sentiment":"neutral","sentiment_score":-0.09934085783763574,"num_words":130,"start":4069.01,"end":4119.54},{"sentences":[{"text":"Now because the Benelon Australian Equities invest in Australian equities or Australian companies, we wanna make sure that your portfolio overall is very diversified.","start":4119.9204,"end":4130.635,"sentiment":"neutral","sentiment_score":0.08745935916279753},{"text":"So if we take out an Australian investment, we wanna look at changing it for another Australian investment because you still have quite a good of exposure to the globe in other investments, but we wanna make sure you have some in Australia as well.","start":4130.935,"end":4145.5303,"sentiment":"neutral","sentiment_score":0.12270204971234004},{"text":"So the banner the BetaShares a two hundred is investing in the 200 largest companies in Australia.","start":4145.99,"end":4154.09,"sentiment":"neutral","sentiment_score":0.17062244169852314},{"text":"So very diversified for you.","start":4154.87,"end":4157.0503,"sentiment":"neutral","sentiment_score":0.30217984318733215},{"text":"So you'll have all the the banks and Woolworths and all the big companies, BHB, in there.","start":4157.165,"end":4164.465,"sentiment":"neutral","sentiment_score":0.1790032553322175}],"sentiment":"neutral","sentiment_score":0.13958474928168235,"num_words":108,"start":4119.9204,"end":4164.465},{"sentences":[{"text":"So, obviously, very diversified.","start":4164.685,"end":4166.225,"sentiment":"neutral","sentiment_score":0.177438136190176},{"text":"And that one has performed better than Benelon, but it's also a bit cheaper because how that one is different is that it tracks the 200 largest.","start":4166.765,"end":4176.8203,"sentiment":"neutral","sentiment_score":0.18025635044883798},{"text":"So as the company grows and gets bigger, it gets added to the 200 and something smaller comes out.","start":4176.8203,"end":4182.68,"sentiment":"neutral","sentiment_score":0.0632141080537909},{"text":"The Bennelong is a little bit different that it is a managed fund.","start":4183.38,"end":4188.315,"sentiment":"neutral","sentiment_score":0.04628094429006943},{"text":"So their focus is to actively buy and sell different investments in order to kinda outperform the market.","start":4188.315,"end":4196.0947,"sentiment":"neutral","sentiment_score":0.17616471089422703}],"sentiment":"neutral","sentiment_score":0.13025134730578206,"num_words":81,"start":4164.685,"end":4196.0947},{"sentences":[{"text":"And sometimes that really works, and other times if they take a bet on something, it might not work out.","start":4196.315,"end":4201.8003,"sentiment":"neutral","sentiment_score":-0.07443583775311709},{"text":"So it can see a bit of more fluctuations as a result.","start":4201.8003,"end":4205.18,"sentiment":"neutral","sentiment_score":-0.17706856628259024},{"text":"So like I said, the investment committee have done a lot of research on the Bennelong investments and found a a good option, which is the beta shift a 200 just to swap it out for you to improve yeah.","start":4206.52,"end":4221.2354,"sentiment":"neutral","sentiment_score":0.33260436691343787},{"text":"So what I can do is I will if you're happy with that, I can send you a document.","start":4221.375,"end":4226.435,"sentiment":"neutral","sentiment_score":0.21943018389375588},{"text":"Perfect.","start":4226.6553,"end":4227.1553,"sentiment":"positive","sentiment_score":0.4901695251464844}],"sentiment":"neutral","sentiment_score":0.15597802331752103,"num_words":92,"start":4196.315,"end":4227.1553},{"sentences":[{"text":"You don't need to sign it, but it is called a record of advice.","start":4228.2554,"end":4231.875,"sentiment":"neutral","sentiment_score":0.23922915809920856},{"text":"It is just for your reference.","start":4231.935,"end":4233.61,"sentiment":"neutral","sentiment_score":0.14873061080773672},{"text":"I will email that through to you and then probably early next week just to let you know that we have done that one change for you.","start":4233.75,"end":4241.9297,"sentiment":"neutral","sentiment_score":0.16861738236965956},{"text":"Yep.","start":4243.19,"end":4243.69,"sentiment":"neutral","sentiment_score":0.18154412508010864},{"text":"Perfect.","start":4243.75,"end":4244.25,"sentiment":"positive","sentiment_score":0.384353369474411}],"sentiment":"neutral","sentiment_score":0.19102364687287077,"num_words":49,"start":4228.2554,"end":4244.25},{"sentences":[{"text":"Now, otherwise, back to the email.","start":4245.765,"end":4248.265,"sentiment":"neutral","sentiment_score":0.05284293989340464},{"text":"Yes.","start":4251.8447,"end":4252.3447,"sentiment":"neutral","sentiment_score":0.02997942641377449},{"text":"Yes, please.","start":4253.3647,"end":4254.3447,"sentiment":"neutral","sentiment_score":0.03275952488183975},{"text":"What can you see there?","start":4255.685,"end":4258.025,"sentiment":"neutral","sentiment_score":0.02312479168176651},{"text":"Yes.","start":4261.0,"end":4261.5,"sentiment":"neutral","sentiment_score":0.043471693992614746}],"sentiment":"neutral","sentiment_score":0.038110117862621945,"num_words":15,"start":4245.765,"end":4261.5},{"sentences":[{"text":"Correct.","start":4261.7197,"end":4262.2197,"sentiment":"neutral","sentiment_score":0.055665839463472366},{"text":"Now you can kind of skip that one because it just talks about your insurances again, which we've kind of already touched on.","start":4262.36,"end":4268.14,"sentiment":"neutral","sentiment_score":0.006094124573080436},{"text":"And then do you have a Vanguard index chart next?","start":4269.56,"end":4272.76,"sentiment":"neutral","sentiment_score":0.029960517771542072},{"text":"Yes.","start":4272.76,"end":4273.2397,"sentiment":"neutral","sentiment_score":0.09017455577850342},{"text":"Perfect.","start":4273.2397,"end":4273.7397,"sentiment":"neutral","sentiment_score":0.22007586061954496}],"sentiment":"neutral","sentiment_score":0.022380174965494208,"num_words":36,"start":4261.7197,"end":4273.7397},{"sentences":[{"text":"So this one here, you probably have seen before, but it did it is a good visual representation of what we are talking about when we are talking about the market.","start":4274.495,"end":4283.475,"sentiment":"neutral","sentiment_score":0.1835477532398316},{"text":"Basically, you can see here, a long term position.","start":4284.1753,"end":4287.955,"sentiment":"neutral","sentiment_score":0.0960571819709407},{"text":"So you can see the long term market always goes up, short term ups and downs and market fluctuations depending on what is going on in the world.","start":4288.1753,"end":4298.51,"sentiment":"neutral","sentiment_score":0.09647535080356258},{"text":"Now how your money is currently invested as well is that we have you in a growth portfolio.","start":4299.29,"end":4304.9097,"sentiment":"neutral","sentiment_score":0.15059490212135845},{"text":"Now growth portfolio and growth investors are typically people who are wanting to grow their super as much as possible while you still have plenty of time until retirement.","start":4306.885,"end":4316.105,"sentiment":"neutral","sentiment_score":0.1539762835821201}],"sentiment":"neutral","sentiment_score":0.1428854371542516,"num_words":115,"start":4274.495,"end":4316.105},{"sentences":[{"text":"We're also comfortable seeing some of those short term fluctuation in order to try to grow it in the long term.","start":4317.7,"end":4325.08,"sentiment":"positive","sentiment_score":0.4902848388467516},{"text":"Now with a growth portfolio as well, we also want to make sure that you have enough time in the market for these kind of fluctuations to come back around.","start":4326.82,"end":4336.395,"sentiment":"neutral","sentiment_score":0.26350187410910925},{"text":"And we want to typically see at least six years until retirement in a growth portfolio.","start":4337.0947,"end":4342.635,"sentiment":"neutral","sentiment_score":0.16604814818128943},{"text":"So from a growth portfolio point of view from a time frame point of view, you still have plenty of time in that portfolio if you are kind of happy with the level of risk and everything that you currently have.","start":4343.34,"end":4355.6,"sentiment":"neutral","sentiment_score":0.13982679149726543},{"text":"Yep.","start":4357.365,"end":4357.685,"sentiment":"positive","sentiment_score":0.4432551860809326}],"sentiment":"neutral","sentiment_score":0.24801799860022483,"num_words":109,"start":4317.7,"end":4357.685},{"sentences":[{"text":"Perfect.","start":4357.685,"end":4358.185,"sentiment":"positive","sentiment_score":0.6014396548271179},{"text":"Now just for your reference as well, you can see that how a growth portfolio is invested is that we have about 80% invested in your top four here.","start":4358.4053,"end":4368.9053,"sentiment":"neutral","sentiment_score":0.18824236326176544},{"text":"So you can see your US shares, which is, like, the light green one, your Australian shares, which is, like, your dark green one, international shares, which is, like, your yellow, and then the property, which is, like, your maroon color.","start":4369.41,"end":4384.1504,"sentiment":"neutral","sentiment_score":0.0876900364712971},{"text":"Now these are the ones grows the most, also fluctuates the most.","start":4384.725,"end":4388.745,"sentiment":"neutral","sentiment_score":0.10945876563588779},{"text":"You have then 20% in those bottom three.","start":4389.365,"end":4392.085,"sentiment":"neutral","sentiment_score":0.11082553025335073}],"sentiment":"neutral","sentiment_score":0.1302842759824061,"num_words":91,"start":4357.685,"end":4392.085},{"sentences":[{"text":"So these are the ones that you can see that don't grow near as much.","start":4392.085,"end":4395.365,"sentiment":"neutral","sentiment_score":0.07320924736559391},{"text":"They kind of are a bit more stable.","start":4395.365,"end":4397.13,"sentiment":"neutral","sentiment_score":0.1892096335068345},{"text":"So we wanna have some of that component as well because we don't want too much of that ups and down at the same time.","start":4397.13,"end":4402.9897,"sentiment":"neutral","sentiment_score":0.13996318370103836},{"text":"So that is kind of how that is at the moment for you.","start":4403.4497,"end":4407.23,"sentiment":"neutral","sentiment_score":0.1987127157358023},{"text":"Yep.","start":4408.33,"end":4408.65,"sentiment":"neutral","sentiment_score":0.24872741103172305}],"sentiment":"neutral","sentiment_score":0.14424013043002737,"num_words":62,"start":4392.085,"end":4408.65},{"sentences":[{"text":"Perfect.","start":4408.65,"end":4409.15,"sentiment":"positive","sentiment_score":0.43499255180358887},{"text":"Now the if you click next for me, it is a financial services guide.","start":4409.61,"end":4415.225,"sentiment":"neutral","sentiment_score":0.15045791012900217},{"text":"You would have seen this one before.","start":4415.225,"end":4417.0054,"sentiment":"neutral","sentiment_score":0.0955455909882273},{"text":"It's just just one of those compliance forms.","start":4418.345,"end":4420.825,"sentiment":"neutral","sentiment_score":0.12320929951965809},{"text":"None of the important information has changed.","start":4420.825,"end":4424.125,"sentiment":"neutral","sentiment_score":-0.00032789951988628933}],"sentiment":"neutral","sentiment_score":0.11334058189311542,"num_words":37,"start":4408.65,"end":4424.125},{"sentences":[{"text":"And if you can then scroll to after page three of that document, it should take you to one where it says OQ services guide.","start":4425.1,"end":4434.64,"sentiment":"neutral","sentiment_score":0.08237564086914062},{"text":"Can you see where I'm at?","start":4438.555,"end":4439.935,"sentiment":"neutral","sentiment_score":0.037219746969640255},{"text":"Yep.","start":4441.995,"end":4442.495,"sentiment":"neutral","sentiment_score":0.1148625910282135},{"text":"Now this one here, again, it is another compliance form.","start":4442.6353,"end":4445.755,"sentiment":"neutral","sentiment_score":0.09199249260127544},{"text":"It's one you would have seen every 100 of you.","start":4445.755,"end":4448.415,"sentiment":"neutral","sentiment_score":0.16588061451911926}],"sentiment":"neutral","sentiment_score":0.09569813780343303,"num_words":52,"start":4425.1,"end":4448.415},{"sentences":[{"text":"It is just a bit of an updated version.","start":4449.0503,"end":4451.2305,"sentiment":"neutral","sentiment_score":0.04655220049122969},{"text":"Again, none of the important information has changed, but we've had a bit of an extension through the team, which is great, and a bit of update to marketing.","start":4451.45,"end":4461.1504,"sentiment":"positive","sentiment_score":0.43218963670319527},{"text":"So as you scroll through this document, and if you do, want to put a face to the voice and see who you are talking with today, if you want to scroll down to page 10 of this document, you will then see a photo of myself.","start":4461.825,"end":4480.29,"sentiment":"neutral","sentiment_score":0.16290740962041186},{"text":"And sometimes it is nice to put a face to the voice if we're not catching up face to face.","start":4480.5103,"end":4485.65,"sentiment":"neutral","sentiment_score":0.20704404190182685},{"text":"Yeah.","start":4490.6055,"end":4491.1055,"sentiment":"neutral","sentiment_score":0.240409255027771}],"sentiment":"neutral","sentiment_score":0.2357585623965792,"num_words":106,"start":4449.0503,"end":4491.1055},{"sentences":[{"text":"Perfect.","start":4491.165,"end":4491.665,"sentiment":"positive","sentiment_score":0.4797546863555908},{"text":"Now as you then kind of keep scrolling through, you will see the team.","start":4493.165,"end":4496.4453,"sentiment":"neutral","sentiment_score":0.18405089846679143},{"text":"I'll let you kind of have a read over this in your own time.","start":4496.4453,"end":4500.145,"sentiment":"neutral","sentiment_score":0.2122149137513978},{"text":"And that should then take you through one that's called a option to provide tax file number.","start":4501.61,"end":4509.3096,"sentiment":"neutral","sentiment_score":0.13158619228531332},{"text":"Yes.","start":4527.24,"end":4527.64,"sentiment":"neutral","sentiment_score":0.1713487207889557}],"sentiment":"neutral","sentiment_score":0.17948489461807496,"num_words":47,"start":4491.165,"end":4527.64},{"sentences":[{"text":"Perfect.","start":4527.64,"end":4528.14,"sentiment":"neutral","sentiment_score":0.3092544376850128},{"text":"Now this is another compliance form, but, basically, it just at the bottom, you can there should be a little signature box for you to sign.","start":4528.52,"end":4539.98,"sentiment":"neutral","sentiment_score":0.0524887630286125},{"text":"Later.","start":4547.4346,"end":4547.9346,"sentiment":"neutral","sentiment_score":0.024251410737633705},{"text":"So if you kind of so so keep scrolling in that document.","start":4547.9946,"end":4553.855,"sentiment":"neutral","sentiment_score":0.0271520900229613},{"text":"You will get to the end of it, which is then page 19.","start":4554.87,"end":4558.0103,"sentiment":"neutral","sentiment_score":0.025342603572286092}],"sentiment":"neutral","sentiment_score":0.044405521016638236,"num_words":53,"start":4527.64,"end":4558.0103},{"sentences":[{"text":"And if you press next next document.","start":4558.0703,"end":4566.71,"sentiment":"neutral","sentiment_score":0.010086423185254847},{"text":"Yes.","start":4566.71,"end":4567.1104,"sentiment":"neutral","sentiment_score":0.03828650712966919},{"text":"Can you see that now?","start":4567.1104,"end":4568.49,"sentiment":"neutral","sentiment_score":0.037430837750434875},{"text":"Yes.","start":4575.3154,"end":4575.8154,"sentiment":"neutral","sentiment_score":0.08068601042032242},{"text":"Now this one here will ask for your signature, and it is just a compliance 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May.","start":4596.5054,"end":4604.0454,"sentiment":"neutral","sentiment_score":-0.004119269840884954}],"sentiment":"neutral","sentiment_score":0.11514828620478511,"num_words":50,"start":4581.555,"end":4604.0454},{"sentences":[{"text":"Yeah.","start":4607.865,"end":4608.365,"sentiment":"neutral","sentiment_score":0.004206809215247631},{"text":"Yes.","start":4611.0303,"end":4611.5103,"sentiment":"neutral","sentiment_score":0.033518433570861816},{"text":"Yes.","start":4611.5103,"end":4611.91,"sentiment":"neutral","sentiment_score":0.0431545227766037},{"text":"Now this is your last one.","start":4611.91,"end":4613.77,"sentiment":"neutral","sentiment_score":0.03675227612257004},{"text":"Now this one here should say consent to new ongoing fee arrangement with hub twenty 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client.","start":4641.09,"end":4644.55,"sentiment":"positive","sentiment_score":0.4758329940959811}],"sentiment":"neutral","sentiment_score":0.17631840428375467,"num_words":49,"start":4620.31,"end":4644.55},{"sentences":[{"text":"Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at one point $6.05.","start":4645.17,"end":4653.655,"sentiment":"neutral","sentiment_score":0.04283449186810425},{"text":"No changes at all in regards to that, and it is not a locking contract.","start":4654.035,"end":4660.275,"sentiment":"neutral","sentiment_score":-0.0321187453965346},{"text":"So at any point in time, you are not happy.","start":4660.275,"end":4662.595,"sentiment":"neutral","sentiment_score":-0.22976796627044677},{"text":"It is not a locking contract.","start":4662.595,"end":4664.135,"sentiment":"neutral","sentiment_score":-0.06132626409331957},{"text":"But by signing this, it allows us to keep servicing your investments and your accounts and insurances and everything for you in the meantime.","start":4664.5103,"end":4671.41,"sentiment":"neutral","sentiment_score":0.31826051448782283}],"sentiment":"neutral","sentiment_score":0.07092576643059913,"num_words":76,"start":4645.17,"end":4671.41},{"sentences":[{"text":"Yep.","start":4672.75,"end":4673.0703,"sentiment":"neutral","sentiment_score":0.27472373843193054},{"text":"Perfect.","start":4673.0703,"end":4673.5703,"sentiment":"positive","sentiment_score":0.5376759171485901},{"text":"Mhmm.","start":4694.54,"end":4695.04,"sentiment":"neutral","sentiment_score":0.102894127368927},{"text":"Yes.","start":4702.1553,"end":4702.475,"sentiment":"neutral","sentiment_score":0.16975446045398712},{"text":"Yes.","start":4702.475,"end":4702.875,"sentiment":"neutral","sentiment_score":0.16951599717140198}],"sentiment":"neutral","sentiment_score":0.25091284811496734,"num_words":5,"start":4672.75,"end":4702.875},{"sentences":[{"text":"Of course.","start":4702.875,"end":4703.355,"sentiment":"neutral","sentiment_score":0.17781496793031693},{"text":"So if you do have someone that you know that would benefit from our services, and it is a free review.","start":4703.355,"end":4712.1753,"sentiment":"neutral","sentiment_score":0.23590784590868724},{"text":"So if it is someone that would be open to having a bit of a chat to us to see if we can help them, we we can definitely do that.","start":4712.49,"end":4721.2104,"sentiment":"neutral","sentiment_score":0.3014367419865824},{"text":"We're always open to speaking to new clients.","start":4721.2104,"end":4724.1904,"sentiment":"positive","sentiment_score":0.4500826895236969},{"text":"And if it is we take everybody.","start":4725.1304,"end":4732.0654,"sentiment":"neutral","sentiment_score":0.2155244925192424}],"sentiment":"neutral","sentiment_score":0.28642850239639694,"num_words":69,"start":4702.875,"end":4732.0654},{"sentences":[{"text":"So we'll have a look at everyone's situation.","start":4732.125,"end":4734.225,"sentiment":"neutral","sentiment_score":0.17837641574442387},{"text":"Now we have we have clients who are investors themselves.","start":4734.605,"end":4738.225,"sentiment":"neutral","sentiment_score":0.13309761509299278},{"text":"We have, you know, lawyers and doctors.","start":4739.245,"end":4742.02,"sentiment":"neutral","sentiment_score":0.131493906889643},{"text":"We also just have, you know, school teachers, all kinds of things.","start":4742.08,"end":4746.26,"sentiment":"neutral","sentiment_score":0.13543129712343216},{"text":"Minors lot of minors, lot of construction workers.","start":4746.48,"end":4749.38,"sentiment":"neutral","sentiment_score":0.10242309235036373}],"sentiment":"neutral","sentiment_score":0.13606678065326477,"num_words":45,"start":4732.125,"end":4749.38},{"sentences":[{"text":"So we we have a lot of different clientele, which is great.","start":4749.52,"end":4753.78,"sentiment":"positive","sentiment_score":0.45627937465906143},{"text":"So if there are clients who are investors themselves that want assistance with super insurance investments or anything like that, or even your, you know, your your everyday person as well who don't do it, we are more than happy to speak through to anyone to see if we can help them.","start":4754.735,"end":4773.9097,"sentiment":"positive","sentiment_score":0.3617287284622972},{"text":"Then, obviously, everyone will have different needs and what they want, and we can then tailor that based on where they're at and what they are after.","start":4774.4497,"end":4782.7896,"sentiment":"neutral","sentiment_score":0.15757789186857366},{"text":"Yep.","start":4785.165,"end":4785.665,"sentiment":"neutral","sentiment_score":0.0908488631248474},{"text":"Do you have someone in mind, or is there more just have a bit of a think?","start":4786.045,"end":4791.105,"sentiment":"neutral","sentiment_score":0.04136272508870153}],"sentiment":"neutral","sentiment_score":0.2691180242755271,"num_words":109,"start":4749.52,"end":4791.105},{"sentences":[{"text":"Yes.","start":4803.02,"end":4803.52,"sentiment":"neutral","sentiment_score":0.07178051769733429},{"text":"And have a chat to them as well because if that what yeah.","start":4804.22,"end":4816.545,"sentiment":"neutral","sentiment_score":0.1755176650790068},{"text":"Yeah.","start":4818.525,"end":4819.025,"sentiment":"neutral","sentiment_score":0.24743545055389404},{"text":"Could help them.","start":4819.82,"end":4820.8,"sentiment":"positive","sentiment_score":0.46544135610262555},{"text":"Yeah.","start":4822.7,"end":4823.2,"sentiment":"neutral","sentiment_score":0.2900906205177307}],"sentiment":"neutral","sentiment_score":0.22565054226862757,"num_words":19,"start":4803.02,"end":4823.2},{"sentences":[{"text":"So if there is anyone, because we do have a bit of a referral partnership as well, is that if you find someone who are interested and are do sign on board as a client, you will actually get a a gift voucher as well to say thank you.","start":4823.42,"end":4845.3047,"sentiment":"positive","sentiment_score":0.34998978796053903},{"text":"So what I would suggest is that if you do speak to someone and they are happy to have a a complimentary free of charge chat, ask them to email me, and that would just be veronicawithak@oakviewfinancial.com.au, and tell them to put your name that you refer them.","start":4846.3247,"end":4876.0,"sentiment":"neutral","sentiment_score":0.24059297004714608},{"text":"Because what that means is that if they come on board, then you will get a get a little gift card if we know that you are the one who refer them.","start":4876.0,"end":4883.7,"sentiment":"neutral","sentiment_score":0.2315308698453009},{"text":"So, yeah, always more than happy to if there is someone, it's complimentary.","start":4887.055,"end":4891.555,"sentiment":"positive","sentiment_score":0.4870958878443791},{"text":"It's free.","start":4892.015,"end":4892.915,"sentiment":"positive","sentiment_score":0.481283575296402}],"sentiment":"neutral","sentiment_score":0.3014011368051999,"num_words":144,"start":4823.42,"end":4892.915},{"sentences":[{"text":"Always good to have a bit of a chat to see if we can help them.","start":4894.575,"end":4897.74,"sentiment":"positive","sentiment_score":0.5159662831574678},{"text":"And if if not, at least there's a bit of information hopefully for them, and hopefully, we can also help them and and put them in a better position irrespective of where they are and and what they want and what they need.","start":4898.7,"end":4910.56,"sentiment":"positive","sentiment_score":0.39098395788392354},{"text":"Yep.","start":4911.9346,"end":4912.4346,"sentiment":"neutral","sentiment_score":0.31179535388946533},{"text":"Beautiful.","start":4912.815,"end":4913.315,"sentiment":"neutral","sentiment_score":0.1368495225906372},{"text":"Now, Barry, I can see that that document has come through, which is great.","start":4913.695,"end":4917.215,"sentiment":"positive","sentiment_score":0.6322854587009975}],"sentiment":"positive","sentiment_score":0.45824549357096356,"num_words":75,"start":4894.575,"end":4917.215},{"sentences":[{"text":"So I will let the team, know, and we will get that all sorted for you.","start":4917.215,"end":4922.275,"sentiment":"positive","sentiment_score":0.5710199344903231},{"text":"Now, basically, from here, as a bit of a recap, I will also get the team next week to email you those beneficiary forms for your super and insurances for your family.","start":4922.335,"end":4933.22,"sentiment":"neutral","sentiment_score":0.21936377231031656},{"text":"I will also send you that ROA, the record of advice to show you that one investment change we spoke about.","start":4934.24,"end":4941.455,"sentiment":"neutral","sentiment_score":0.19206284341358004},{"text":"And then on Tuesday, at 10:30, Whitlam will give you a bit of a call to see how you're going for time and then look at investigating that insurance policy for you in a little bit more detail.","start":4942.155,"end":4955.48,"sentiment":"neutral","sentiment_score":0.13977311865279549},{"text":"Yep.","start":4956.98,"end":4957.46,"sentiment":"positive","sentiment_score":0.367333471775055}],"sentiment":"neutral","sentiment_score":0.2395184385003867,"num_words":108,"start":4917.215,"end":4957.46},{"sentences":[{"text":"Beautiful.","start":4957.46,"end":4957.96,"sentiment":"positive","sentiment_score":0.7523235082626343},{"text":"Now do you have any other questions for me before I let you go and enjoy the rest of your evening?","start":4958.9,"end":4964.1997,"sentiment":"positive","sentiment_score":0.3736946831146876},{"text":"No?","start":4966.3647,"end":4966.7646,"sentiment":"neutral","sentiment_score":0.021496333181858063},{"text":"Perfect.","start":4966.7646,"end":4967.165,"sentiment":"positive","sentiment_score":0.48484548926353455},{"text":"If you think of anything, though no.","start":4967.165,"end":4969.2446,"sentiment":"neutral","sentiment_score":0.04852185185466494}],"sentiment":"neutral","sentiment_score":0.30470666577739103,"num_words":31,"start":4957.46,"end":4969.2446},{"sentences":[{"text":"That's all good.","start":4969.2446,"end":4970.2246,"sentiment":"positive","sentiment_score":0.5085291663805643},{"text":"Yeah.","start":4970.8447,"end":4971.3247,"sentiment":"neutral","sentiment_score":0.22775831818580627},{"text":"If you do have anything, let me know.","start":4971.3247,"end":4973.7246,"sentiment":"neutral","sentiment_score":0.182867381721735},{"text":"Like I said, if you have anyone, more than happy for them to email me.","start":4973.7246,"end":4977.185,"sentiment":"neutral","sentiment_score":0.2779826323191325},{"text":"Just let them know to put your details in, just your your first name and last name, especially from the conversation today.","start":4977.21,"end":4984.35,"sentiment":"neutral","sentiment_score":0.15691319412805818}],"sentiment":"neutral","sentiment_score":0.22118601278991115,"num_words":49,"start":4969.2446,"end":4984.35},{"sentences":[{"text":"I'll I'll know that, and we'll see if we can help them as well.","start":4984.4897,"end":4987.77,"sentiment":"neutral","sentiment_score":0.2849970662168094},{"text":"But, otherwise, I hope you enjoy the rest of your afternoon there, Barry, and we look forward to speaking with you on Tuesday.","start":4987.77,"end":4993.9053,"sentiment":"positive","sentiment_score":0.5552888616271641},{"text":"Mhmm.","start":4995.5654,"end":4995.9653,"sentiment":"neutral","sentiment_score":0.18464535474777224},{"text":"No problem.","start":4995.9653,"end":4996.605,"sentiment":"positive","sentiment_score":0.33925068378448486},{"text":"We'll no problem.","start":4996.605,"end":4997.645,"sentiment":"neutral","sentiment_score":0.2452631096045176}],"sentiment":"positive","sentiment_score":0.4269892743160558,"num_words":43,"start":4984.4897,"end":4997.645},{"sentences":[{"text":"We'll speak soon.","start":4997.645,"end":4998.5454,"sentiment":"neutral","sentiment_score":0.21468588213125864},{"text":"Bye.","start":5000.125,"end":5000.625,"sentiment":"neutral","sentiment_score":-0.06922858953475952}],"sentiment":"neutral","sentiment_score":0.1437072642147541,"num_words":4,"start":4997.645,"end":5000.625}]}}]},{"alternatives":[{"transcript":"Hi, Vee. I've got Barry on the phone for you. Oh, good. I'm just gonna yeah. He's passed security. I've gotta update his address on file. Yeah. I do. It's actually my old where I used to live, which is so funny. Yeah. I'm not even kidding. Same building. He was like, I don't he was like, I can only receive letters, not parcels. It's a hotel staff residential, and then he named it off, and I said, I actually used to live there. That's crazy. Perfect. Beautiful. You've got it in 321. Yeah. Not too bad, Veronica. How are you? Yeah. That's alright. Yeah. I'm just I'm just I can I can still talk? I'm just grabbing I'm just coming to grab a drink here and just and then I'll be walking into the local grocery store here. And then I'll walk home and I'll sit down. I've got the money two minutes from home, so I'm happy to talk well until I get sitting down. Yep. See where I'm let's see what see where I'm sitting on a financial standpoint, I think, would be the number one thing. And then the number two thing would be yeah. That that would be the number one thing. And then the number two thing would be maybe being able to self manage super funds and stuff like that. What options, yeah, what what options I have and how far away I am from doing milkshakes. Everything good? All good? Alright. Sorry. Yeah. I'm gonna be home in, like, two minutes. I'm literally two minutes from my from my desk now. It's a two minute walking. I'm not driving. So Yeah. Yeah. Probably a Mexican. It can be anybody like an auntie or anybody. Yeah. Yeah. Probably, Finola Border, I would say, would be the best one because she lives in Australia, obviously. That's where I'm based. So that that would probably be be the one that would make more sense in terms of time zones and stuff like that. Finola Border, f I n o l a b o r d e r. Yeah. Oh, no. It's such family connection. Yeah. Yeah. 0 hold on a second. Just give me a second. 041. 6007 919. Yep. No. I am a business owner now. An individual construction. An individual sole trader. Yeah. Fifteen months ago. In January January 2025 or February '20 '25. Sorry? Yeah. Yeah. Good. Good. Very busy. But yeah. Yeah. Busy is good, but being too busy sometimes is not too good. You need to get, I think you need to, I think you need to balance. Yeah. And, that's what I'm sort of kinda looking for towards this year. No. No. No. No. I think well, I would have to go I would have to go PTY to have anybody else working for me. So yeah. Don't know. It might be it might be heading there in that track. I'm just not sure yet. We'll see what see what's see what what I have to sort out. Yeah. Yeah. More or less. Today, I'm off because of the rain, but, yeah, generally, I'm working on average of about probably forty five hours a week. Forty hours, I mean, if you were to if you were to calculate the overall year, there'd probably be an average of definitely forty hours. Yeah. Yeah. Yeah. Yeah. The last few weeks hasn't been great, has it? Are you still living in Queensland yourself or I'm in the Gold Coast too. Yeah. Oh, Southport. Yeah. Yeah. I've been thinking about moving to that area. Sorry? Palm Surfers Paradise. Yeah. Yeah. That would probably be be a lot better, actually. Yeah. Yeah. I think that would be the best thing for me. Yeah. Yeah. Yeah. It does. Sorry? Oh, would have been it would have been about a $180, I think, or a 100 and 70, maybe. Super. I would need to inquire about docs. I I it it would be up to me, yeah, if I wanted to. Yeah. Yeah. Yeah. Well, I think as of July, whatever company that you or whatever company that you're, you know, working for has to I think they have to pay for super yet. If you're yeah. I'm a contractor yet. I think there's a new come in in July, apparently. No. Because things have changed. So basically being asked to yeah. The the the the amount may be lower, actually, because I've been because my the just things have changed with companies and stuff. The original company that I was contracted into went into liquidation. So the the the builder had to take over, and now it's I'm working for them. So I've been requested to that the rates to see if we could negotiate rates. So I'm on a lower rate now, so it wouldn't be unless I go PTY and I gotta start getting people to work for me, then my my annual year return would probably be slightly lower. A good bit lower, actually, probably, than what it was originally on. But yeah. Yeah. Yeah. Yeah. Well, maybe maybe there was I don't know. Maybe. I don't think it's a thing. At the moment, it's up to you as as far as I'm concerned. I'm still learning business because, obviously, I've only been in business fifteen years, and I'm I'm I'm an amateur. I'm not a professional. So I may as well be honest. It's like it's like you're working in a if it's in terms of construction and experience. I'd say I'm a professional or a family professional because I've been doing it for twenty years. But in terms of business, starting my own business and starting out, it's pretty challenging, and there's a lot of things you have to take into account more. So, like, your boss and your tax and your all that kind of stuff. PST. Yeah. I do have a good accountant. Yes. Both he's based in Melbourne. So we'll see how we'll see how this year feels out and if I'm happy with why we did you have someone in mind? Yeah. Well, it it might it might stand more sense in the future. I'm not I'm not ruling it out for now. I won't rule it out just now, but for future reference, it it it may be a a thing depending on where I decide to reside. Like, obviously, I don't know what's in front of me next week, never mind next year. So but it stands more sense. It does stand more sense for me. And to be honest, I like to do I definitely do like to go in and see people in person rather than at the moment, it's all through phone and and email and and and video calls and which is okay, but I'd rather be in person. Yeah. Yeah. Mhmm. Yeah. Probably probably a bit I would have to look through it. I I don't know off the top of my head at the minute, but there's probably a bit more. I have investments in certain things. Yeah. Just do just doing a few things at the moment. Few things outside of my construction. Just kinda like side hustles, health and fitness. I help me own health and fitness business as well, but it's not making any not really making any revenue at the moment. No. No. No. No. No vehicle. That's another issue I have to sort out with, I think, the Garrett Bevis is on the phone. She lived in Surfers. I think the same place as me or maybe it was you in the same building. Yeah. Yeah. I wanna get out of here. It's time to get out of here being too long. Yeah. Yeah. Yeah. Yeah. What do you what's your what would your view be on Southport for living? Do you like living there or not really? Oh, yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I know what area. Yeah. Rough around the edges. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I believe so. Yeah. No. I've paid off all my loans there. Yeah. No. Just just whatever's in the maintenance account, really. No. No. Not really as with mental health, I suppose, but that's that's yeah. Just got to manage it, really. That's it. Get from taking medication or do what's advised to me. No. No. No. No. No. Pretty healthy. Just for now. Yeah. For now, you can only love it. You only live in the night. No. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Well, I'm part of well, of course, my Irish my Irish passport covers a lot of things. And my Medicare I've got Medicare as well. So, yeah, in terms of ambulance and stuff like that, I think probably I would get billed for that. I don't I'm not sure. In Queensland. Yeah. Yeah. Private care. Yeah. Yep. Okay. Yeah. Okay. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Well, not really at the minute, but, well, I think I I don't know if I finished it or not. I'm not sure, but I had plans to if anything happened that I'd split my will, I think it was in four ways of one probably myself or others my brother, my two sisters, my mom, and my auntie are made with just for a will. Yeah. But, obviously, yeah, that's as they get older, they they mostly, they they could die before me or I could die before them. I don't know. But, hopefully, it's the other I don't know most death in any bleep. But yeah. Just with the age wise. You know? Just yeah. Yeah. But I just want to be fair while I'm just that sort of person. If I have things that are left over, then that would be passed to them. Yeah. Yeah. Probably. Yeah. Yeah. Yeah. No. No. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, you can post it. I don't know if they're gonna receive it to this to this address because of the but I think they can receive letters. Yeah. But, yeah, the email maybe. Yeah. Yeah. I could print it out. Yeah. Yeah. I can, yeah, I can print it out here in the hotel with being not an issue. I've done it before. Yeah. Yeah. Yeah. Yeah. Yeah. I think the other question I wanted to ask is through where my CIBA superannuation, what the what it stands at from a from a financial point of view at the moment where what numbers are we looking at through working with these guys? Where where where are we at in terms of that? Yeah. I have a specific kind. That's I think it's the same one. I don't think I opened a new CBIS account. No. I've I've kept it the same. You you should be able to see it from your end because these are the guys that Oh, I don't know. There's probably a 100 ladder playing in the raid because that was my original address. I haven't been back there in a while. The guy still owns that I know still owns there, but I, you know, I haven't been back in Sydney in a long time. So oh, yeah. I don't think I've received anything through email. Maybe I have, but I'd I just there'd be that many coming in every day. I don't know. No. But I yeah. No. No. But I just want to know what my what the balance is at this point. Yeah. Yeah. I'm just wondering why it was closed down because it was no contributions being made. Was that it? Or mhmm. Yeah. Yeah. Yeah. Yeah. Oh, no. No. No. That's not that's not that's that that that's not the question. It's how much is in my I I know that I changed from to to Hub 24, but what all I'm asking is the my balance. Yeah. Not yeah. No. No. No. No. I know I I just had see the superannuation because, yeah, that's it's just been in my brain for so long rather than just saying super. It's probably my fault that I don't I was a bit confused there because it was like, hold on a minute. Like, Yeah. Just give me a second. I might I'm just in I'm just blocking the apartment here just because I don't wanna go from phone to I've just got you on speaker here. That's if that's okay. Yep. I'm on my own anyway. So it's Hold on a second. Veronica Glover? Your annual review. Oh, that's just saying the document. Okay. That does give me balance. Yes. Okay. Okay. Yeah. Yeah. Yeah. I can't yeah. Yeah. That's it. Yeah. I can see it. Yep. Yeah. I just I just couldn't really remember how to get into it. I'd need to Okay. Yeah. Yeah. Yeah. Yes. I have notes. Yeah. Yep. What's this one? Sorry. What's this? Yeah. Go for it. Three six seven. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And through my super, has there been when was the last when was the last contribution? Can you see on your end when the last contribution was? Oh, I'm just having a look out there. I think there's a bit of rain out there. Okay. Hello? Charrington. B I n. Sheridan. Sheridan contract. Oh, when was that? And so where that was January okay. Oh, yeah. Yeah. Yeah. Yeah. Yeah. Yeah. February 2025. That was February. Yeah. And then the wedding Then what was the other one in the April 2025? Yeah. Let me just and how much are those contributions forwarded? Yeah. Yeah. Okay. Yeah. Okay. Fine. Carmen. Oh, yeah. Yeah. Yeah. Oh, yeah. Good Marco. Yeah. Yeah. Yeah. Uh-huh. Okay. Yeah. Yeah. Yeah. Yeah. It did answers the question that, yeah, there has been no contributions made since April 2025. So that's nearly the year. Yeah. It's April 2026. Yeah. Yeah. Mhmm. Yeah. So that's what I would that's what would be paired out to, obviously, a family or my next or my whoever I put into the will. Is that or no? Is that just a personal injury or that's no. Just complete life over. Yeah. Yeah. Okay. Yeah. Yeah. So regardless of when that happens, that's what that's what has to be paid out. Yeah. That's what by law, has to be paid out. Yeah. Okay. Yep. Mhmm. Yeah. Yeah. That's fine. Yep. Yeah. Yeah. Yeah. Yeah. So in terms of my income protection, so if I were to go to work for how long would it be or that I would start receiving the benefits? So if that so roughly, what's 4,000 a month is, like, roughly, you said speak about 900 a week. Yeah. But how long would I have to be out of, like, work to repeat that benefit? Thirty days. Okay. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Okay. Yep. Yeah. Well, if that was to grow, what would I need to if I was to if that was to grow a little bit more as in terms of what I would be making if I was to if if I wasn't working, or there was a period where I wasn't working and started to work. What is there a what What? Yeah. Yeah. Yeah. Yeah. Yeah. It does. Yeah. But the current the current income that I made in the last year that I I would if that continued, I'd be able to it I could go to a point where I'd be making $10 per month if I was at work for a thirty day period. Yeah. Yeah. Yeah. Yeah. Yeah. Understood. So how much of how much of amount a month the or what or how much of would I have to give to you guys to be up that level? Or how much would I for the insurance price? Yeah. Yeah. Mhmm. Oh, yeah. Mhmm. Yeah. Yeah. Okay. Yeah. You could go through it. It doesn't mean that I'm making any contributions just yet, but it it would mean that I would have more information as to what I would need to do. So yeah. That would be a good good plan. Let's think, well, that could have been $1.70, maybe. I'd have to check with my accountant. Yeah. Yeah. Yeah. That's fine. Mhmm. How what? Sorry? Yeah. Yeah. Six years. Yeah. Yeah. Yeah. That's fine. Yeah. Yeah. Yeah. Just just happy to looking at it to see where the avenue leads me and if I was to be out of work. Is that is that are the work due to any circumstances? Is it what are the circumstances there? Okay. So say I was to say I was to have an injury or something or and I was, like, in work for that period of time, and I would be able to receive that. Yeah. Yeah. Yeah. Yeah. Or or sickness or or or maybe or mental health, whatever it may be. Yeah. Yeah. So now but now is is is would that be covered now at this present moment? No. Yeah. Well, I don't know if I'd mentioned the ADHD. That might have been 2024, I think. Might ADHD have yeah. So or major depression. Yeah. Mhmm. Yep. Yeah. Yeah. Well, no. I'll obviously have to get a letter from my doctor or psychologist, whichever. Maybe. Yeah. Yeah. Yep. Oh, yeah. Yeah. Yeah. Yeah. Yeah. Oh, yeah. Because of the higher because it's off yeah. Because of the higher if I were to go for the higher insurance policy or the the higher income protection policy. Sorry. Yeah. I understand. So it may just be the the the it may just be a case of the if anything. Yeah. I understand. It only sort of physical if it was physical sickness or something like that that would would let let me that that way then. Yeah. Yeah. I understand. Yeah. Yeah. But if it was the amount that it was the amount that has thing, it'd be just the 4,000 a month or whatever it would be after thirty days if nothing has changed. Or yeah. Yeah. Yeah. Yeah. Well, I I can I can go down looking at information and see where I am in terms of what what we spoke about? But then I'd be down to me to send documents to say that, yeah, I'm I'm happy to go ahead with this. Yeah. But get me information and and see him on a on on just, yeah, just livelihoods point of view. Yeah. Yeah. I'm hoping to get a week off soon, so maybe in the next week or two, maybe you could just touch base with me again maybe next week, the middle of next week, and see Tuesday maybe or Wednesday to see where I'm at. Just a quick phone call about eleven. Eleven is probably the best time to get me because that's especially when I'm working because that's me. Or, sorry, 10:30 is really the best time to get me because that's when I work. I get my break. Yeah. Yeah. Yeah. Yeah. Yeah. That's it. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, that's alright. Yeah. Thank you. The other question that I wanted to ask was with you know, obviously, we we touched base on the biz me starting a business fifteen months ago. Obviously, it's just the sole trader and and may I go PTOI. I'm not sure. The other question that I wanted to ask in terms of, say, like, your tax and stuff like that, is there options to make it that we like, I can pay our boss or whatever it may or tax, whatever it may be that I could pay through that through my super or no? Yeah. Okay. That's a separate. Yeah. Yeah. Yeah. So what you're saying? Sorry. So for the business, obviously Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Well, maybe that's something that I could discuss with whoever you appoint me with in the next in the next when whenever whenever they say to well, obviously, I wanna get the information about what benefits they would have from doing all this. But in terms of signing it over and saying, yeah, that's what we agree on, then, yeah, that's different. Yeah. Yeah. Hold on a second. I just wanna go into yeah. Is this on the same document that with the CEDIS or different? Yeah. I'll just go into next page, is it? Okay. Yeah. Yeah. I'm on the hub 24. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. I am. I am. Yeah. Yeah. Yeah. I am. Yeah. From the previous year or from what? Okay. So what was the what was the percentage before that? It says 18.87. So what it was what what how much has it dropped in terms of percentage? Yeah. But I mean, what I'm trying to say is how much has it dropped? What percentage that that been along Australian equities fund? Yeah. Okay. Fuck. That's quite a lot. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. What yeah. What what what would you suggest? And and the shares. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I think so. You just do that. Copy. Yeah. Yeah. Yeah. Yeah. That's fine. Yeah. To the next three, number three, or all that cert certificate or certificate of currency, one path. Okay. Okay. Yeah. The graph. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That's fine. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Option to provide fax number. Is that what you're saying? Oh, what's this? Is this what is this in the same page or at the bottom? On the same page as what shows where you are or oh, this this seven? Age 19. Next document. Oh, yeah. Yeah. Yeah. Yeah. Yeah. That's already yeah. Same. Yeah. The dates what dates is it today? Sorry. I didn't sign the date. Oh, hold on. It's already in there. So next document then, is it? Oh, sorry. What is it? Sorry. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And do you use is there any options for I I know quite quite a number of people, wealthy businessmen, or business people. Is there an option for them to go with you guys? Yeah. Yeah. You work on board with investors, like, people who are actually investors themselves? Yeah. Yeah. Yeah. I've got a I've got a I've got a I've got a few people in mind. Actually, I know quite a few people, but, obviously, I I won't mention names because, obviously, that's just as a courtesy of privacy and stuff. But, yeah, I've I've got a couple of people that, yeah, that I feel that they I feel that they started investing in this in Oakley Financial that it would benefit them quite a lot. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. No. That's fine. I'm quite happy with what you spoke about so far. Yeah. Yeah. Okay. Thank you. Thanks for having a go. Sixteen. 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Vee. I've got Barry on the phone for you. Oh, good. I'm just gonna yeah. He's passed security.\n\nI've gotta update his address on file. Yeah. I do. It's actually my old where I used to live, which is so funny. Yeah.\n\nI'm not even kidding. Same building. He was like, I don't he was like, I can only receive letters, not parcels. It's a hotel staff residential, and then he named it off, and I said, I actually used to live there. That's crazy.\n\nPerfect. Beautiful. You've got it in 321. Yeah. Not too bad, Veronica.\n\nHow are you? Yeah. That's alright. Yeah. I'm just I'm just I can I can still talk?\n\nI'm just grabbing I'm just coming to grab a drink here and just and then I'll be walking into the local grocery store here. And then I'll walk home and I'll sit down. I've got the money two minutes from home, so I'm happy to talk well until I get sitting down. Yep. See where I'm let's see what see where I'm sitting on a financial standpoint, I think, would be the number one thing.\n\nAnd then the number two thing would be yeah. That that would be the number one thing. And then the number two thing would be maybe being able to self manage super funds and stuff like that. What options, yeah, what what options I have and how far away I am from doing milkshakes. Everything good?\n\nAll good? Alright. Sorry. Yeah. I'm gonna be home in, like, two minutes.\n\nI'm literally two minutes from my from my desk now. It's a two minute walking. I'm not driving. So Yeah. Yeah.\n\nProbably a Mexican. It can be anybody like an auntie or anybody. Yeah. Yeah. Probably, Finola Border, I would say, would be the best one because she lives in Australia, obviously.\n\nThat's where I'm based. So that that would probably be be the one that would make more sense in terms of time zones and stuff like that. Finola Border, f I n o l a b o r d e r. Yeah. Oh, no.\n\nIt's such family connection. Yeah. Yeah. 0 hold on a second. Just give me a second.\n\n041. 6007 919. Yep. No. I am a business owner now.\n\nAn individual construction. An individual sole trader. Yeah. Fifteen months ago. In January January 2025 or February '20 '25.\n\nSorry? Yeah. Yeah. Good. Good.\n\nVery busy. But yeah. Yeah. Busy is good, but being too busy sometimes is not too good. You need to get, I think you need to, I think you need to balance.\n\nYeah. And, that's what I'm sort of kinda looking for towards this year. No. No. No.\n\nNo. I think well, I would have to go I would have to go PTY to have anybody else working for me. So yeah. Don't know. It might be it might be heading there in that track.\n\nI'm just not sure yet. We'll see what see what's see what what I have to sort out. Yeah. Yeah. More or less.\n\nToday, I'm off because of the rain, but, yeah, generally, I'm working on average of about probably forty five hours a week. Forty hours, I mean, if you were to if you were to calculate the overall year, there'd probably be an average of definitely forty hours. Yeah. Yeah. Yeah.\n\nYeah. The last few weeks hasn't been great, has it? Are you still living in Queensland yourself or I'm in the Gold Coast too. Yeah. Oh, Southport.\n\nYeah. Yeah. I've been thinking about moving to that area. Sorry? Palm Surfers Paradise.\n\nYeah. Yeah. That would probably be be a lot better, actually. Yeah. Yeah.\n\nI think that would be the best thing for me. Yeah. Yeah. Yeah. It does.\n\nSorry? Oh, would have been it would have been about a $180, I think, or a 100 and 70, maybe. Super. I would need to inquire about docs. I I it it would be up to me, yeah, if I wanted to.\n\nYeah. Yeah. Yeah. Well, I think as of July, whatever company that you or whatever company that you're, you know, working for has to I think they have to pay for super yet. If you're yeah.\n\nI'm a contractor yet. I think there's a new come in in July, apparently. No. Because things have changed. So basically being asked to yeah.\n\nThe the the the amount may be lower, actually, because I've been because my the just things have changed with companies and stuff. The original company that I was contracted into went into liquidation. So the the the builder had to take over, and now it's I'm working for them. So I've been requested to that the rates to see if we could negotiate rates. So I'm on a lower rate now, so it wouldn't be unless I go PTY and I gotta start getting people to work for me, then my my annual year return would probably be slightly lower.\n\nA good bit lower, actually, probably, than what it was originally on. But yeah. Yeah. Yeah. Yeah.\n\nWell, maybe maybe there was I don't know. Maybe. I don't think it's a thing. At the moment, it's up to you as as far as I'm concerned. I'm still learning business because, obviously, I've only been in business fifteen years, and I'm I'm I'm an amateur.\n\nI'm not a professional. So I may as well be honest. It's like it's like you're working in a if it's in terms of construction and experience. I'd say I'm a professional or a family professional because I've been doing it for twenty years. But in terms of business, starting my own business and starting out, it's pretty challenging, and there's a lot of things you have to take into account more.\n\nSo, like, your boss and your tax and your all that kind of stuff. PST. Yeah. I do have a good accountant. Yes.\n\nBoth he's based in Melbourne. So we'll see how we'll see how this year feels out and if I'm happy with why we did you have someone in mind? Yeah. Well, it it might it might stand more sense in the future. I'm not I'm not ruling it out for now.\n\nI won't rule it out just now, but for future reference, it it it may be a a thing depending on where I decide to reside. Like, obviously, I don't know what's in front of me next week, never mind next year. So but it stands more sense. It does stand more sense for me. And to be honest, I like to do I definitely do like to go in and see people in person rather than at the moment, it's all through phone and and email and and and video calls and which is okay, but I'd rather be in person.\n\nYeah. Yeah. Mhmm. Yeah. Probably probably a bit I would have to look through it.\n\nI I don't know off the top of my head at the minute, but there's probably a bit more. I have investments in certain things. Yeah. Just do just doing a few things at the moment. Few things outside of my construction.\n\nJust kinda like side hustles, health and fitness. I help me own health and fitness business as well, but it's not making any not really making any revenue at the moment. No. No. No.\n\nNo. No vehicle. That's another issue I have to sort out with, I think, the Garrett Bevis is on the phone. She lived in Surfers. I think the same place as me or maybe it was you in the same building.\n\nYeah. Yeah. I wanna get out of here. It's time to get out of here being too long. Yeah.\n\nYeah. Yeah. Yeah. What do you what's your what would your view be on Southport for living? Do you like living there or not really?\n\nOh, yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. I know what area. Yeah. Rough around the edges. Yeah.\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I believe so. Yeah.\n\nNo. I've paid off all my loans there. Yeah. No. Just just whatever's in the maintenance account, really.\n\nNo. No. Not really as with mental health, I suppose, but that's that's yeah. Just got to manage it, really. That's it.\n\nGet from taking medication or do what's advised to me. No. No. No. No.\n\nNo. Pretty healthy. Just for now. Yeah. For now, you can only love it.\n\nYou only live in the night. No. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Well, I'm part of well, of course, my Irish my Irish passport covers a lot of things. And my Medicare I've got Medicare as well.\n\nSo, yeah, in terms of ambulance and stuff like that, I think probably I would get billed for that. I don't I'm not sure. In Queensland. Yeah. Yeah.\n\nPrivate care. Yeah. Yep. Okay. Yeah.\n\nOkay. Yeah. Yeah. Okay. Yeah.\n\nYeah. Yeah. Yeah. Well, not really at the minute, but, well, I think I I don't know if I finished it or not. I'm not sure, but I had plans to if anything happened that I'd split my will, I think it was in four ways of one probably myself or others my brother, my two sisters, my mom, and my auntie are made with just for a will.\n\nYeah. But, obviously, yeah, that's as they get older, they they mostly, they they could die before me or I could die before them. I don't know. But, hopefully, it's the other I don't know most death in any bleep. But yeah.\n\nJust with the age wise. You know? Just yeah. Yeah. But I just want to be fair while I'm just that sort of person.\n\nIf I have things that are left over, then that would be passed to them. Yeah. Yeah. Probably. Yeah.\n\nYeah. Yeah. No. No. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Oh, you can post it. I don't know if they're gonna receive it to this to this address because of the but I think they can receive letters.\n\nYeah. But, yeah, the email maybe. Yeah. Yeah. I could print it out.\n\nYeah. Yeah. I can, yeah, I can print it out here in the hotel with being not an issue. I've done it before. Yeah.\n\nYeah. Yeah. Yeah. Yeah. I think the other question I wanted to ask is through where my CIBA superannuation, what the what it stands at from a from a financial point of view at the moment where what numbers are we looking at through working with these guys?\n\nWhere where where are we at in terms of that? Yeah. I have a specific kind. That's I think it's the same one. I don't think I opened a new CBIS account.\n\nNo. I've I've kept it the same. You you should be able to see it from your end because these are the guys that Oh, I don't know. There's probably a 100 ladder playing in the raid because that was my original address. I haven't been back there in a while.\n\nThe guy still owns that I know still owns there, but I, you know, I haven't been back in Sydney in a long time. So oh, yeah. I don't think I've received anything through email. Maybe I have, but I'd I just there'd be that many coming in every day. I don't know.\n\nNo. But I yeah. No. No. But I just want to know what my what the balance is at this point.\n\nYeah. Yeah. I'm just wondering why it was closed down because it was no contributions being made. Was that it? Or mhmm.\n\nYeah. Yeah. Yeah. Yeah. Oh, no.\n\nNo. No. That's not that's not that's that that that's not the question. It's how much is in my I I know that I changed from to to Hub 24, but what all I'm asking is the my balance. Yeah.\n\nNot yeah. No. No. No. No.\n\nI know I I just had see the superannuation because, yeah, that's it's just been in my brain for so long rather than just saying super. It's probably my fault that I don't I was a bit confused there because it was like, hold on a minute. Like, Yeah. Just give me a second. I might I'm just in I'm just blocking the apartment here just because I don't wanna go from phone to I've just got you on speaker here.\n\nThat's if that's okay. Yep. I'm on my own anyway. So it's Hold on a second. Veronica Glover?\n\nYour annual review. Oh, that's just saying the document. Okay. That does give me balance. Yes.\n\nOkay. Okay. Yeah. Yeah. Yeah.\n\nI can't yeah. Yeah. That's it. Yeah. I can see it.\n\nYep. Yeah. I just I just couldn't really remember how to get into it. I'd need to Okay. Yeah.\n\nYeah. Yeah. Yes. I have notes. Yeah.\n\nYep. What's this one? Sorry. What's this? Yeah.\n\nGo for it. Three six seven. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. And through my super, has there been when was the last when was the last contribution? Can you see on your end when the last contribution was?\n\nOh, I'm just having a look out there. I think there's a bit of rain out there. Okay. Hello? Charrington.\n\nB I n. Sheridan. Sheridan contract. Oh, when was that? And so where that was January okay.\n\nOh, yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. February 2025. That was February. Yeah. And then the wedding Then what was the other one in the April 2025?\n\nYeah. Let me just and how much are those contributions forwarded? Yeah. Yeah. Okay.\n\nYeah. Okay. Fine. Carmen. Oh, yeah.\n\nYeah. Yeah. Oh, yeah. Good Marco. Yeah.\n\nYeah. Yeah. Uh-huh. Okay. Yeah.\n\nYeah. Yeah. Yeah. It did answers the question that, yeah, there has been no contributions made since April 2025. So that's nearly the year.\n\nYeah. It's April 2026. Yeah. Yeah. Mhmm.\n\nYeah. So that's what I would that's what would be paired out to, obviously, a family or my next or my whoever I put into the will. Is that or no? Is that just a personal injury or that's no. Just complete life over.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nSo regardless of when that happens, that's what that's what has to be paid out. Yeah. That's what by law, has to be paid out. Yeah. Okay.\n\nYep. Mhmm. Yeah. Yeah. That's fine.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nSo in terms of my income protection, so if I were to go to work for how long would it be or that I would start receiving the benefits? So if that so roughly, what's 4,000 a month is, like, roughly, you said speak about 900 a week. Yeah. But how long would I have to be out of, like, work to repeat that benefit? Thirty days.\n\nOkay. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. Okay. Yep.\n\nYeah. Well, if that was to grow, what would I need to if I was to if that was to grow a little bit more as in terms of what I would be making if I was to if if I wasn't working, or there was a period where I wasn't working and started to work. What is there a what What? Yeah. Yeah.\n\nYeah. Yeah. Yeah. It does. Yeah.\n\nBut the current the current income that I made in the last year that I I would if that continued, I'd be able to it I could go to a point where I'd be making $10 per month if I was at work for a thirty day period. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Understood. So how much of how much of amount a month the or what or how much of would I have to give to you guys to be up that level? Or how much would I for the insurance price? Yeah.\n\nYeah. Mhmm. Oh, yeah. Mhmm. Yeah.\n\nYeah. Okay. Yeah. You could go through it. It doesn't mean that I'm making any contributions just yet, but it it would mean that I would have more information as to what I would need to do.\n\nSo yeah. That would be a good good plan. Let's think, well, that could have been $1.70, maybe. I'd have to check with my accountant. Yeah.\n\nYeah. Yeah. That's fine. Mhmm. How what?\n\nSorry? Yeah. Yeah. Six years. Yeah.\n\nYeah. Yeah. That's fine. Yeah. Yeah.\n\nYeah. Just just happy to looking at it to see where the avenue leads me and if I was to be out of work. Is that is that are the work due to any circumstances? Is it what are the circumstances there? Okay.\n\nSo say I was to say I was to have an injury or something or and I was, like, in work for that period of time, and I would be able to receive that. Yeah. Yeah. Yeah. Yeah.\n\nOr or sickness or or or maybe or mental health, whatever it may be. Yeah. Yeah. So now but now is is is would that be covered now at this present moment? No.\n\nYeah. Well, I don't know if I'd mentioned the ADHD. That might have been 2024, I think. Might ADHD have yeah. So or major depression.\n\nYeah. Mhmm. Yep. Yeah. Yeah.\n\nWell, no. I'll obviously have to get a letter from my doctor or psychologist, whichever. Maybe. Yeah. Yeah.\n\nYep. Oh, yeah. Yeah. Yeah. Yeah.\n\nYeah. Oh, yeah. Because of the higher because it's off yeah. Because of the higher if I were to go for the higher insurance policy or the the higher income protection policy. Sorry.\n\nYeah. I understand. So it may just be the the the it may just be a case of the if anything. Yeah. I understand.\n\nIt only sort of physical if it was physical sickness or something like that that would would let let me that that way then. Yeah. Yeah. I understand. Yeah.\n\nYeah. But if it was the amount that it was the amount that has thing, it'd be just the 4,000 a month or whatever it would be after thirty days if nothing has changed. Or yeah. Yeah. Yeah.\n\nYeah. Well, I I can I can go down looking at information and see where I am in terms of what what we spoke about? But then I'd be down to me to send documents to say that, yeah, I'm I'm happy to go ahead with this. Yeah. But get me information and and see him on a on on just, yeah, just livelihoods point of view.\n\nYeah. Yeah. I'm hoping to get a week off soon, so maybe in the next week or two, maybe you could just touch base with me again maybe next week, the middle of next week, and see Tuesday maybe or Wednesday to see where I'm at. Just a quick phone call about eleven. Eleven is probably the best time to get me because that's especially when I'm working because that's me.\n\nOr, sorry, 10:30 is really the best time to get me because that's when I work. I get my break. Yeah. Yeah. Yeah.\n\nYeah. Yeah. That's it. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Oh, that's alright. Yeah.\n\nThank you. The other question that I wanted to ask was with you know, obviously, we we touched base on the biz me starting a business fifteen months ago. Obviously, it's just the sole trader and and may I go PTOI. I'm not sure. The other question that I wanted to ask in terms of, say, like, your tax and stuff like that, is there options to make it that we like, I can pay our boss or whatever it may or tax, whatever it may be that I could pay through that through my super or no?\n\nYeah. Okay. That's a separate. Yeah. Yeah.\n\nYeah. So what you're saying? Sorry. So for the business, obviously Yeah. Yeah.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nYeah. Well, maybe that's something that I could discuss with whoever you appoint me with in the next in the next when whenever whenever they say to well, obviously, I wanna get the information about what benefits they would have from doing all this. But in terms of signing it over and saying, yeah, that's what we agree on, then, yeah, that's different. Yeah. Yeah.\n\nHold on a second. I just wanna go into yeah. Is this on the same document that with the CEDIS or different? Yeah. I'll just go into next page, is it?\n\nOkay. Yeah. Yeah. I'm on the hub 24. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYeah. Yeah. Yeah. Yeah. I am.\n\nI am. Yeah. Yeah. Yeah. I am.\n\nYeah. From the previous year or from what? Okay. So what was the what was the percentage before that? It says 18.87.\n\nSo what it was what what how much has it dropped in terms of percentage? Yeah. But I mean, what I'm trying to say is how much has it dropped? What percentage that that been along Australian equities fund? Yeah.\n\nOkay. Fuck. That's quite a lot. Yeah. Yeah.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nYeah. What yeah. What what what would you suggest? And and the shares. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI think so. You just do that. Copy. Yeah. Yeah.\n\nYeah. Yeah. That's fine. Yeah. To the next three, number three, or all that cert certificate or certificate of currency, one path.\n\nOkay. Okay. Yeah. The graph. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That's fine.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Yeah. Option to provide fax number.\n\nIs that what you're saying? Oh, what's this? Is this what is this in the same page or at the bottom? On the same page as what shows where you are or oh, this this seven? Age 19.\n\nNext document. Oh, yeah. Yeah. Yeah. Yeah.\n\nYeah. That's already yeah. Same. Yeah. The dates what dates is it today?\n\nSorry. I didn't sign the date. Oh, hold on. It's already in there. So next document then, is it?\n\nOh, sorry. What is it? Sorry. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. And do you use is there any options for I I know quite quite a number of people, wealthy businessmen, or business people. Is there an option for them to go with you guys? Yeah.\n\nYeah. You work on board with investors, like, people who are actually investors themselves? Yeah. Yeah. Yeah.\n\nI've got a I've got a I've got a I've got a few people in mind. Actually, I know quite a few people, but, obviously, I I won't mention names because, obviously, that's just as a courtesy of privacy and stuff. But, yeah, I've I've got a couple of people that, yeah, that I feel that they I feel that they started investing in this in Oakley Financial that it would benefit them quite a lot. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nNo. That's fine. I'm quite happy with what you spoke about so far. Yeah. Yeah.\n\nOkay. Thank you. Thanks for having a go. Sixteen. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Vee.","start":3.12,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.13071699813008308},{"text":"I've got Barry on the phone for you.","start":3.6799998,"end":5.7,"sentiment":"neutral","sentiment_score":0.1630900241434574},{"text":"Oh, good.","start":9.28,"end":9.94,"sentiment":"positive","sentiment_score":0.3811025023460388},{"text":"I'm just gonna yeah.","start":10.719999,"end":12.495,"sentiment":"neutral","sentiment_score":0.04367292486131191},{"text":"He's passed security.","start":12.495,"end":13.555,"sentiment":"neutral","sentiment_score":0.03265697881579399}],"sentiment":"neutral","sentiment_score":0.13689588578908066,"num_words":19,"start":3.12,"end":13.555},{"sentences":[{"text":"I've gotta update his address on file.","start":13.615,"end":16.275002,"sentiment":"neutral","sentiment_score":0.03759300123367991},{"text":"Yeah.","start":19.775,"end":20.095001,"sentiment":"neutral","sentiment_score":0.09350347518920898},{"text":"I do.","start":20.095001,"end":20.494999,"sentiment":"neutral","sentiment_score":0.12635622918605804},{"text":"It's actually my old where I used to live, which is so funny.","start":20.494999,"end":23.395,"sentiment":"neutral","sentiment_score":-0.001039368028824146},{"text":"Yeah.","start":24.67,"end":24.99,"sentiment":"neutral","sentiment_score":0.01692536100745201}],"sentiment":"neutral","sentiment_score":0.02553252161790927,"num_words":24,"start":13.615,"end":24.99},{"sentences":[{"text":"I'm not even kidding.","start":24.99,"end":25.710001,"sentiment":"neutral","sentiment_score":-0.04538705665618181},{"text":"Same building.","start":25.710001,"end":26.11,"sentiment":"neutral","sentiment_score":-0.04834374785423279},{"text":"He was like, I don't he was like, I can only receive letters, not parcels.","start":26.11,"end":29.23,"sentiment":"neutral","sentiment_score":-0.09301596532265345},{"text":"It's a hotel staff residential, and then he named it off, and I said, I actually used to live there.","start":29.23,"end":33.39,"sentiment":"neutral","sentiment_score":-0.05934362560510635},{"text":"That's crazy.","start":33.39,"end":34.05,"sentiment":"neutral","sentiment_score":-0.14489635080099106}],"sentiment":"neutral","sentiment_score":-0.07325907943900241,"num_words":43,"start":24.99,"end":34.05},{"sentences":[{"text":"Perfect.","start":44.045,"end":44.545,"sentiment":"neutral","sentiment_score":0.24328553676605225},{"text":"Beautiful.","start":45.164997,"end":45.644997,"sentiment":"positive","sentiment_score":0.6156569719314575},{"text":"You've got it in 321.","start":45.644997,"end":47.504997,"sentiment":"neutral","sentiment_score":0.28022426664829253},{"text":"Yeah.","start":55.23,"end":55.55,"sentiment":"neutral","sentiment_score":0.11350175738334656},{"text":"Not too bad, Veronica.","start":55.55,"end":56.67,"sentiment":"neutral","sentiment_score":0.1879061944782734}],"sentiment":"neutral","sentiment_score":0.26043253143628436,"num_words":12,"start":44.045,"end":56.67},{"sentences":[{"text":"How are you?","start":56.67,"end":57.489998,"sentiment":"neutral","sentiment_score":0.20773244400819144},{"text":"Yeah.","start":62.19,"end":62.589996,"sentiment":"neutral","sentiment_score":0.18736198544502256},{"text":"That's alright.","start":62.589996,"end":63.329998,"sentiment":"neutral","sentiment_score":0.1782500296831131},{"text":"Yeah.","start":67.295,"end":67.695,"sentiment":"neutral","sentiment_score":0.025202734395861626},{"text":"I'm just I'm just I can I can still talk?","start":67.695,"end":72.255,"sentiment":"neutral","sentiment_score":0.03548527508974075}],"sentiment":"neutral","sentiment_score":0.09100675659582895,"num_words":17,"start":56.67,"end":72.255},{"sentences":[{"text":"I'm just grabbing I'm just coming to grab a drink here and just and then I'll be walking into the local grocery store here.","start":72.255,"end":86.17,"sentiment":"neutral","sentiment_score":0.006909450719831511},{"text":"And then I'll walk home and I'll sit down.","start":87.990005,"end":90.07,"sentiment":"neutral","sentiment_score":0.035989360676871404},{"text":"I've got the money two minutes from home, so I'm happy to talk well until I get sitting down.","start":90.07,"end":95.795,"sentiment":"neutral","sentiment_score":0.22378189273570714},{"text":"Yep.","start":95.795,"end":96.295,"sentiment":"neutral","sentiment_score":0.03167884796857834},{"text":"See where I'm let's see what see where I'm sitting on a financial standpoint, I think, would be the number one thing.","start":114.69,"end":123.945,"sentiment":"neutral","sentiment_score":0.08539287479255687}],"sentiment":"neutral","sentiment_score":0.08869212158334752,"num_words":75,"start":72.255,"end":123.945},{"sentences":[{"text":"And then the number two thing would be yeah.","start":124.485,"end":130.245,"sentiment":"neutral","sentiment_score":0.07714853518539005},{"text":"That that would be the number one thing.","start":130.245,"end":132.03,"sentiment":"neutral","sentiment_score":0.11247008666396141},{"text":"And then the number two thing would be maybe being able to self manage super funds and stuff like that.","start":132.35,"end":141.41,"sentiment":"neutral","sentiment_score":0.0593689339235425},{"text":"What options, yeah, what what options I have and how far away I am from doing milkshakes.","start":141.87,"end":148.08499,"sentiment":"neutral","sentiment_score":-0.024103818735217348},{"text":"Everything good?","start":148.86499,"end":149.745,"sentiment":"neutral","sentiment_score":0.16118569672107697}],"sentiment":"neutral","sentiment_score":0.04810861898918769,"num_words":56,"start":124.485,"end":149.745},{"sentences":[{"text":"All good?","start":149.745,"end":150.565,"sentiment":"neutral","sentiment_score":0.27341849356889725},{"text":"Alright.","start":151.105,"end":151.605,"sentiment":"neutral","sentiment_score":0.06741815060377121},{"text":"Sorry.","start":152.22499,"end":152.72499,"sentiment":"neutral","sentiment_score":-0.029351718723773956},{"text":"Yeah.","start":167.71,"end":168.03,"sentiment":"neutral","sentiment_score":0.12708409130573273},{"text":"I'm gonna be home in, like, two minutes.","start":168.03,"end":171.65001,"sentiment":"neutral","sentiment_score":0.1183288050815463}],"sentiment":"neutral","sentiment_score":0.127585996228915,"num_words":13,"start":149.745,"end":171.65001},{"sentences":[{"text":"I'm literally two minutes from my from my desk now.","start":171.71,"end":175.705,"sentiment":"neutral","sentiment_score":0.20859595537185668},{"text":"It's a two minute walking.","start":175.925,"end":177.60501,"sentiment":"neutral","sentiment_score":0.19825548231601714},{"text":"I'm not driving.","start":177.60501,"end":178.505,"sentiment":"neutral","sentiment_score":0.2048339992761612},{"text":"So Yeah.","start":178.565,"end":203.38501,"sentiment":"neutral","sentiment_score":0.1855960600078106},{"text":"Yeah.","start":226.77,"end":227.27,"sentiment":"neutral","sentiment_score":-0.020478995516896248}],"sentiment":"neutral","sentiment_score":0.19249771845837435,"num_words":21,"start":171.71,"end":227.27},{"sentences":[{"text":"Probably a Mexican.","start":228.74501,"end":231.32501,"sentiment":"neutral","sentiment_score":-0.030639866987864178},{"text":"It can be anybody like an auntie or anybody.","start":231.38501,"end":233.46501,"sentiment":"neutral","sentiment_score":-0.008139477706410818},{"text":"Yeah.","start":233.46501,"end":233.96501,"sentiment":"neutral","sentiment_score":-0.0049813613295555115},{"text":"Yeah.","start":236.425,"end":236.585,"sentiment":"neutral","sentiment_score":-0.01366499438881874},{"text":"Probably, Finola Border, I would say, would be the best one because she lives in Australia, obviously.","start":236.585,"end":243.645,"sentiment":"neutral","sentiment_score":0.037574504091240024}],"sentiment":"neutral","sentiment_score":0.014675655274561817,"num_words":31,"start":228.74501,"end":243.645},{"sentences":[{"text":"That's where I'm based.","start":245.17,"end":246.29,"sentiment":"neutral","sentiment_score":0.024973693769425154},{"text":"So that that would probably be be the one that would make more sense in terms of time zones and stuff like that.","start":246.29,"end":251.91,"sentiment":"neutral","sentiment_score":-0.04920539834901043},{"text":"Finola Border, f I n o l a b o r d e r.","start":255.25,"end":267.935,"sentiment":"neutral","sentiment_score":0.009031105320900679},{"text":"Yeah.","start":270.875,"end":271.375,"sentiment":"neutral","sentiment_score":0.07949806749820709},{"text":"Oh, no.","start":276.81998,"end":277.37997,"sentiment":"neutral","sentiment_score":-0.019338015466928482}],"sentiment":"neutral","sentiment_score":-0.019649360815740445,"num_words":44,"start":245.17,"end":277.37997},{"sentences":[{"text":"It's such family connection.","start":277.37997,"end":278.59998,"sentiment":"neutral","sentiment_score":0.004141619894653559},{"text":"Yeah.","start":278.74,"end":279.24,"sentiment":"neutral","sentiment_score":0.06499243527650833},{"text":"Yeah.","start":280.41998,"end":280.91998,"sentiment":"neutral","sentiment_score":0.06269661337137222},{"text":"0 hold on a second.","start":288.215,"end":290.235,"sentiment":"neutral","sentiment_score":0.009648044593632221},{"text":"Just give me a second.","start":290.29498,"end":291.35498,"sentiment":"neutral","sentiment_score":0.020336947217583657}],"sentiment":"neutral","sentiment_score":0.018386280455160886,"num_words":16,"start":277.37997,"end":291.35498},{"sentences":[{"text":"041.","start":312.39,"end":313.61,"sentiment":"neutral","sentiment_score":0.008372800424695015},{"text":"6007 919.","start":318.355,"end":326.87,"sentiment":"neutral","sentiment_score":0.007957773748785257},{"text":"Yep.","start":330.05,"end":330.55,"sentiment":"neutral","sentiment_score":0.08158434927463531},{"text":"No.","start":341.44498,"end":341.94498,"sentiment":"neutral","sentiment_score":-0.050589971244335175},{"text":"I am a business owner now.","start":342.965,"end":346.26498,"sentiment":"neutral","sentiment_score":-0.030675324300924938}],"sentiment":"neutral","sentiment_score":-0.011706292713907633,"num_words":11,"start":312.39,"end":346.26498},{"sentences":[{"text":"An individual construction.","start":348.405,"end":350.66498,"sentiment":"neutral","sentiment_score":0.006511729831496875},{"text":"An individual sole trader.","start":352.085,"end":353.78497,"sentiment":"neutral","sentiment_score":0.010114909848198295},{"text":"Yeah.","start":355.76498,"end":356.19,"sentiment":"neutral","sentiment_score":0.036964260041713715},{"text":"Fifteen months ago.","start":360.67,"end":361.81,"sentiment":"neutral","sentiment_score":0.003936194349080324},{"text":"In January January 2025 or February '20 '25.","start":361.95,"end":369.165,"sentiment":"neutral","sentiment_score":0.04009937320370227}],"sentiment":"neutral","sentiment_score":0.022608560926624034,"num_words":19,"start":348.405,"end":369.165},{"sentences":[{"text":"Sorry?","start":369.64502,"end":370.14502,"sentiment":"neutral","sentiment_score":0.0192259531468153},{"text":"Yeah.","start":372.445,"end":372.845,"sentiment":"neutral","sentiment_score":0.050419896841049194},{"text":"Yeah.","start":372.845,"end":373.245,"sentiment":"neutral","sentiment_score":0.09094275534152985},{"text":"Good.","start":373.245,"end":373.745,"sentiment":"neutral","sentiment_score":0.1999470293521881},{"text":"Good.","start":374.045,"end":374.445,"sentiment":"neutral","sentiment_score":0.17079132795333862}],"sentiment":"neutral","sentiment_score":0.10626539252698422,"num_words":5,"start":369.64502,"end":374.445},{"sentences":[{"text":"Very busy.","start":374.445,"end":375.245,"sentiment":"neutral","sentiment_score":-0.07602234184741974},{"text":"But yeah.","start":375.245,"end":377.505,"sentiment":"neutral","sentiment_score":0.0009236084297299385},{"text":"Yeah.","start":378.045,"end":378.445,"sentiment":"neutral","sentiment_score":0.0064478591084480286},{"text":"Busy is good, but being too busy sometimes is not too good.","start":378.445,"end":381.64502,"sentiment":"neutral","sentiment_score":-0.10363795049488544},{"text":"You need to get, I think you need to, I think you need to balance.","start":381.64502,"end":386.86,"sentiment":"neutral","sentiment_score":-0.08686897506316503}],"sentiment":"neutral","sentiment_score":-0.08407623873790726,"num_words":32,"start":374.445,"end":386.86},{"sentences":[{"text":"Yeah.","start":386.91998,"end":387.41998,"sentiment":"neutral","sentiment_score":-0.0289923008531332},{"text":"And, that's what I'm sort of kinda looking for towards this 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yeah.","start":2338.005,"end":2338.565,"sentiment":"neutral","sentiment_score":-0.003348533995449543},{"text":"Yeah.","start":2338.565,"end":2338.7249,"sentiment":"neutral","sentiment_score":0.0005422895774245262},{"text":"Yeah.","start":2338.7249,"end":2338.9648,"sentiment":"neutral","sentiment_score":0.003352115862071514},{"text":"Yeah.","start":2338.9648,"end":2339.445,"sentiment":"neutral","sentiment_score":0.008310073986649513},{"text":"Yeah.","start":2339.445,"end":2339.945,"sentiment":"neutral","sentiment_score":0.009181035682559012}],"sentiment":"neutral","sentiment_score":0.0024480745196342464,"num_words":6,"start":2338.005,"end":2339.945},{"sentences":[{"text":"Yeah.","start":2341.525,"end":2341.685,"sentiment":"neutral","sentiment_score":0.007529234513640404},{"text":"February 2025.","start":2341.685,"end":2343.3853,"sentiment":"neutral","sentiment_score":0.009634396992623806},{"text":"That was 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previous year or from what?","start":3996.4448,"end":3999.825,"sentiment":"neutral","sentiment_score":-0.013558963845883096},{"text":"Okay.","start":4002.605,"end":4003.005,"sentiment":"neutral","sentiment_score":-0.004790801554918289},{"text":"So what was the what was the percentage before that?","start":4003.005,"end":4006.845,"sentiment":"neutral","sentiment_score":-0.007308530807495117},{"text":"It says 18.87.","start":4006.845,"end":4009.505,"sentiment":"neutral","sentiment_score":-0.006514997221529484}],"sentiment":"neutral","sentiment_score":-0.008098768070340157,"num_words":22,"start":3979.105,"end":4009.505},{"sentences":[{"text":"So what it was what what how much has it dropped in terms of percentage?","start":4013.52,"end":4019.7002,"sentiment":"neutral","sentiment_score":-0.022321385083099207},{"text":"Yeah.","start":4029.775,"end":4030.275,"sentiment":"neutral","sentiment_score":-0.011439815163612366},{"text":"But I mean, what I'm trying to say is how much has it 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19.","start":4560.705,"end":4561.685,"sentiment":"neutral","sentiment_score":0.008821459952741861}],"sentiment":"neutral","sentiment_score":0.03376461335114742,"num_words":38,"start":4525.94,"end":4561.685},{"sentences":[{"text":"Next document.","start":4564.3047,"end":4565.125,"sentiment":"neutral","sentiment_score":0.008173667127266526},{"text":"Oh, yeah.","start":4565.2646,"end":4565.925,"sentiment":"neutral","sentiment_score":0.028289146721363068},{"text":"Yeah.","start":4574.3047,"end":4574.67,"sentiment":"neutral","sentiment_score":0.058665428310632706},{"text":"Yeah.","start":4584.75,"end":4585.25,"sentiment":"neutral","sentiment_score":0.2747597098350525},{"text":"Yeah.","start":4587.23,"end":4587.73,"sentiment":"neutral","sentiment_score":0.09021653980016708}],"sentiment":"neutral","sentiment_score":0.0709381865204445,"num_words":7,"start":4564.3047,"end":4587.73},{"sentences":[{"text":"Yeah.","start":4590.4854,"end":4590.9854,"sentiment":"neutral","sentiment_score":0.0414043590426445},{"text":"That's already yeah.","start":4591.765,"end":4594.245,"sentiment":"neutral","sentiment_score":0.05073752378424009},{"text":"Same.","start":4594.245,"end":4594.745,"sentiment":"neutral","sentiment_score":0.07536207139492035},{"text":"Yeah.","start":4598.245,"end":4598.4854,"sentiment":"neutral","sentiment_score":0.03207296133041382},{"text":"The dates what dates is it today?","start":4598.4854,"end":4600.4854,"sentiment":"neutral","sentiment_score":0.018931417060749873}],"sentiment":"neutral","sentiment_score":0.033351683272765234,"num_words":13,"start":4590.4854,"end":4600.4854},{"sentences":[{"text":"Sorry.","start":4600.4854,"end":4600.8853,"sentiment":"neutral","sentiment_score":-0.10304762423038484},{"text":"I didn't sign the date.","start":4600.8853,"end":4605.05,"sentiment":"neutral","sentiment_score":-0.08940009213984013},{"text":"Oh, hold on.","start":4605.05,"end":4605.87,"sentiment":"neutral","sentiment_score":-0.03459757504363855},{"text":"It's already in there.","start":4606.09,"end":4607.31,"sentiment":"neutral","sentiment_score":-0.021809437312185764},{"text":"So next document then, is it?","start":4609.21,"end":4611.31,"sentiment":"neutral","sentiment_score":0.009363991984476646}],"sentiment":"neutral","sentiment_score":-0.03604708460012549,"num_words":19,"start":4600.4854,"end":4611.31},{"sentences":[{"text":"Oh, sorry.","start":4627.36,"end":4628.1,"sentiment":"neutral","sentiment_score":-0.061632513999938965},{"text":"What is it?","start":4628.32,"end":4628.88,"sentiment":"neutral","sentiment_score":-0.0521621343990167},{"text":"Sorry.","start":4628.88,"end":4629.38,"sentiment":"neutral","sentiment_score":-0.06858610361814499},{"text":"Yeah.","start":4635.44,"end":4635.94,"sentiment":"neutral","sentiment_score":-0.006134325172752142},{"text":"Yeah.","start":4636.0,"end":4636.5,"sentiment":"neutral","sentiment_score":0.04060009866952896}],"sentiment":"neutral","sentiment_score":-0.039233970164787024,"num_words":8,"start":4627.36,"end":4636.5},{"sentences":[{"text":"Yeah.","start":4637.36,"end":4637.86,"sentiment":"neutral","sentiment_score":0.08765025436878204},{"text":"Yeah.","start":4641.625,"end":4642.125,"sentiment":"neutral","sentiment_score":0.32671475410461426},{"text":"Yeah.","start":4645.4653,"end":4645.9653,"sentiment":"neutral","sentiment_score":0.13325652480125427},{"text":"Yeah.","start":4652.665,"end":4652.88,"sentiment":"neutral","sentiment_score":0.047621991485357285},{"text":"Yeah.","start":4656.1597,"end":4656.6597,"sentiment":"neutral","sentiment_score":0.028238505125045776}],"sentiment":"neutral","sentiment_score":0.12469640597701073,"num_words":5,"start":4637.36,"end":4656.6597},{"sentences":[{"text":"Yeah.","start":4658.4,"end":4658.9,"sentiment":"neutral","sentiment_score":0.03140106052160263},{"text":"Yeah.","start":4671.295,"end":4671.795,"sentiment":"neutral","sentiment_score":0.16570062935352323},{"text":"And do you use is there any options for I I know quite quite a number of people, wealthy businessmen, or business people.","start":4672.655,"end":4693.15,"sentiment":"neutral","sentiment_score":0.17682017807079398},{"text":"Is there an option for them to go with you guys?","start":4693.865,"end":4701.245,"sentiment":"neutral","sentiment_score":0.14427129992029883},{"text":"Yeah.","start":4708.1597,"end":4708.6597,"sentiment":"neutral","sentiment_score":0.18577247858047485}],"sentiment":"neutral","sentiment_score":0.1631546638704635,"num_words":37,"start":4658.4,"end":4708.6597},{"sentences":[{"text":"Yeah.","start":4719.28,"end":4719.585,"sentiment":"positive","sentiment_score":0.42271316051483154},{"text":"You work on board with investors, like, people who are actually investors themselves?","start":4724.945,"end":4729.765,"sentiment":"neutral","sentiment_score":0.20626957485309014},{"text":"Yeah.","start":4747.0195,"end":4747.275,"sentiment":"neutral","sentiment_score":0.14696897566318512},{"text":"Yeah.","start":4784.185,"end":4784.55,"sentiment":"neutral","sentiment_score":0.08720868825912476},{"text":"Yeah.","start":4789.4297,"end":4789.8296,"sentiment":"neutral","sentiment_score":0.05501123145222664}],"sentiment":"neutral","sentiment_score":0.19961214876350233,"num_words":17,"start":4719.28,"end":4789.8296},{"sentences":[{"text":"I've got a I've got a I've got a I've got a few people in mind.","start":4789.8296,"end":4793.67,"sentiment":"neutral","sentiment_score":0.04733496450353414},{"text":"Actually, I know quite a few people, but, obviously, I I won't mention names because, obviously, that's just as a courtesy of privacy and stuff.","start":4793.67,"end":4803.1445,"sentiment":"neutral","sentiment_score":-0.004916835054755211},{"text":"But, yeah, I've I've got a couple of people that, yeah, that I feel that they I feel that they started investing in this in Oakley Financial that it would benefit them quite a lot.","start":4803.1445,"end":4822.26,"sentiment":"neutral","sentiment_score":0.2863764871444021},{"text":"Yeah.","start":4856.8447,"end":4857.3447,"sentiment":"neutral","sentiment_score":0.1640191376209259},{"text":"Yeah.","start":4865.1646,"end":4865.6646,"sentiment":"neutral","sentiment_score":0.11885787546634674}],"sentiment":"neutral","sentiment_score":0.14026272588242322,"num_words":78,"start":4789.8296,"end":4865.6646},{"sentences":[{"text":"Yeah.","start":4871.11,"end":4871.61,"sentiment":"neutral","sentiment_score":0.14617766439914703},{"text":"Yeah.","start":4884.315,"end":4884.815,"sentiment":"neutral","sentiment_score":0.1779777556657791},{"text":"Yeah.","start":4885.6753,"end":4886.1753,"sentiment":"neutral","sentiment_score":0.212645560503006},{"text":"Yeah.","start":4898.81,"end":4899.31,"sentiment":"positive","sentiment_score":0.3929903209209442},{"text":"Yeah.","start":4910.7446,"end":4911.2446,"sentiment":"neutral","sentiment_score":0.24203866720199585}],"sentiment":"neutral","sentiment_score":0.23436599373817443,"num_words":5,"start":4871.11,"end":4911.2446},{"sentences":[{"text":"Yeah.","start":4923.08,"end":4923.58,"sentiment":"neutral","sentiment_score":0.17643611133098602},{"text":"Yeah.","start":4940.455,"end":4940.955,"sentiment":"neutral","sentiment_score":0.07732425630092621},{"text":"Yeah.","start":4942.2153,"end":4942.68,"sentiment":"neutral","sentiment_score":0.12327250093221664},{"text":"Yeah.","start":4956.04,"end":4956.435,"sentiment":"neutral","sentiment_score":0.1948363184928894},{"text":"No.","start":4965.075,"end":4965.395,"sentiment":"neutral","sentiment_score":-0.10322026908397676}],"sentiment":"neutral","sentiment_score":0.0937297835946083,"num_words":5,"start":4923.08,"end":4965.395},{"sentences":[{"text":"No.","start":4965.395,"end":4965.715,"sentiment":"neutral","sentiment_score":-0.11185797303915024},{"text":"That's fine.","start":4965.715,"end":4966.535,"sentiment":"neutral","sentiment_score":0.002563171088695526},{"text":"I'm quite happy with what you spoke about so far.","start":4966.995,"end":4970.34,"sentiment":"neutral","sentiment_score":0.16675327122211456},{"text":"Yeah.","start":4980.6597,"end":4980.7397,"sentiment":"neutral","sentiment_score":0.14363346993923187},{"text":"Yeah.","start":4980.7397,"end":4981.2397,"sentiment":"neutral","sentiment_score":0.10491017997264862}],"sentiment":"neutral","sentiment_score":0.12062298208475113,"num_words":15,"start":4965.395,"end":4981.2397},{"sentences":[{"text":"Okay.","start":4994.355,"end":4994.755,"sentiment":"positive","sentiment_score":0.3532785475254059},{"text":"Thank you.","start":4994.755,"end":4995.339,"sentiment":"positive","sentiment_score":0.5917644798755646},{"text":"Thanks for having a go.","start":4995.6587,"end":4998.419,"sentiment":"positive","sentiment_score":0.34760653376579287},{"text":"Sixteen.","start":4998.6187,"end":4999.1187,"sentiment":"neutral","sentiment_score":0.09363146871328354},{"text":"Bye.","start":4999.1787,"end":4999.6787,"sentiment":"neutral","sentiment_score":0.12109559774398804}],"sentiment":"positive","sentiment_score":0.3489567242562771,"num_words":10,"start":4994.355,"end":4999.6787}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Oh, hello?\n\nChannel 1: Hi, Vee. I've got Barry on the phone for you.\n\nChannel 0: Sure thing. Just give me two secs to get it all\n\nChannel 1: Oh,\n\nChannel 0: up\n\nChannel 1: good.\n\nChannel 0: again.\n\nChannel 1: I'm\n\nChannel 0: And\n\nChannel 1: just\n\nChannel 0: he's\n\nChannel 1: gonna\n\nChannel 0: passing.\n\nChannel 1: yeah. He's passed security. I've gotta update his address on file.\n\nChannel 0: Okay. You have the new one?\n\nChannel 1: Yeah. I do. It's\n\nChannel 0: Yes.\n\nChannel 1: actually my old where I used to live, which is so funny.\n\nChannel 0: Actually.\n\nChannel 1: Yeah. I'm not even kidding. Same building. He was like, I don't he was like, I can only receive letters, not parcels. It's a hotel staff residential, and then he named it off, and I said, I actually used to live there.\n\nThat's crazy.\n\nChannel 0: Oh, alright. Perfect. Well, I won't worry about the the address, but I'll just steal it off the notes for the faxman later. Sure. You can send\n\nChannel 1: Perfect.\n\nChannel 0: him through.\n\nChannel 1: Beautiful. You've got it in 321.\n\nChannel 0: Good afternoon, Barry. This is Veronica speaking. How are you?\n\nChannel 1: Yeah. Not too bad, Veronica. How are you?\n\nChannel 0: Yeah. Good. Thanks. Thanks for returning my callback.\n\nChannel 1: Yeah. That's alright.\n\nChannel 0: No worries. You still have time to go over the annual review? Mhmm.\n\nChannel 1: Yeah. I'm just I'm just I can I can still talk? I'm just grabbing\n\nChannel 0: No.\n\nChannel 1: I'm just coming to grab a drink here and just and then I'll be walking\n\nChannel 0: Okay.\n\nChannel 1: into the local grocery store here.\n\nChannel 0: Okay. No. That's that's okay.\n\nChannel 1: And then\n\nChannel 0: You\n\nChannel 1: I'll\n\nChannel 0: don't\n\nChannel 1: walk home and I'll sit down. I've got the money two minutes from home, so I'm happy to talk well until I get sitting down. Yep.\n\nChannel 0: don't yeah. Alright. Perfect. Now before I kind of jump into the under review there with you, Barry, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or\n\nChannel 1: See\n\nChannel 0: just\n\nChannel 1: where\n\nChannel 0: a bit\n\nChannel 1: I'm\n\nChannel 0: of a catch\n\nChannel 1: let's\n\nChannel 0: up?\n\nChannel 1: see what see where I'm sitting on a financial standpoint, I think,\n\nChannel 0: Yep.\n\nChannel 1: would be the number one thing.\n\nChannel 0: Yep.\n\nChannel 1: And then the number two thing would be yeah. That that would be the number one thing. And\n\nChannel 0: Yes.\n\nChannel 1: then the\n\nChannel 0: Okay.\n\nChannel 1: number two thing would be maybe being able to self manage super funds and stuff like that.\n\nChannel 0: Okay.\n\nChannel 1: What options,\n\nChannel 0: So just\n\nChannel 1: yeah, what what options I have and how far away I am from doing milkshakes.\n\nChannel 0: yep.\n\nChannel 1: Everything\n\nChannel 0: Okay.\n\nChannel 1: good? All good? Alright. Sorry.\n\nChannel 0: No. That's all good. Okay. Yep. Perfect.\n\nWe can definitely have a bit of a look at that for you. Now before I kind of jump into your superannuation side, it is easier when you when you are home. But what's quite easy to do\n\nChannel 1: Yeah.\n\nChannel 0: while\n\nChannel 1: I'm\n\nChannel 0: you're\n\nChannel 1: gonna be home in, like, two minutes. I'm literally\n\nChannel 0: okay.\n\nChannel 1: two minutes from my from my desk now. It's\n\nChannel 0: Oh, perfect.\n\nChannel 1: a two minute\n\nChannel 0: That's\n\nChannel 1: walking.\n\nChannel 0: convenient.\n\nChannel 1: I'm not driving. So\n\nChannel 0: That's good. So what I might do while you are kind of walking and getting settled is just to go through a bit of an updated fax line with you first just to see if there is anything else, like, anything major that has changed in your life or if we need to make any changes to your advice. Now I know Maddie already told me that she will update the address for you, which is good.\n\nChannel 1: Yeah.\n\nChannel 0: Otherwise, when it comes to your personal information, I have you down here as single with no financial dependent. Is that still the case? Yep. Beautiful. Now I don't actually have a next of kin on file for you.\n\nSo that can be anybody and just someone you would like us to contact in the event that we just cannot get in touch with you.\n\nChannel 1: Yeah. Probably a Mexican. It can be anybody like an auntie or anybody. Yeah.\n\nChannel 0: Yeah. It could be anybody, and they don't have any, like\n\nChannel 1: Yeah. Probably, Finola Border, I would say, would be the best one because she lives in Australia, obviously.\n\nChannel 0: yep. Okay.\n\nChannel 1: That's where I'm based. So\n\nChannel 0: Yep.\n\nChannel 1: that that would probably be be the one that would make more sense in terms of time zones and stuff like that.\n\nChannel 0: Yeah. Perfect. I'm sorry. Could you just repeat the name again for me?\n\nChannel 1: Finola Border,\n\nChannel 0: How would you spell that?\n\nChannel 1: f I n o l a b\n\nChannel 0: Yep.\n\nChannel 1: o r d\n\nChannel 0: Yep.\n\nChannel 1: e r.\n\nChannel 0: Perfect. And,\n\nChannel 1: Yeah.\n\nChannel 0: just relationship to yourself, just a friend or was it a family connection?\n\nChannel 1: Oh, no. It's such family connection. Yeah.\n\nChannel 0: Oh, perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So family. And just best contact number?\n\nChannel 1: 0\n\nChannel 0: Sure.\n\nChannel 1: hold on a second. Just give me a second. 041.\n\nChannel 0: Yep.\n\nChannel 1: 6007\n\nChannel 0: Yep.\n\nChannel 1: 919.\n\nChannel 0: 919.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Thank you so much. Now when it comes to occupation, has any of that changed, or you're still working as a trade assistant?\n\nChannel 1: No. I am a business owner now.\n\nChannel 0: Oh, nice. And what kind\n\nChannel 1: An\n\nChannel 0: of\n\nChannel 1: individual\n\nChannel 0: business do you have?\n\nChannel 1: construction.\n\nChannel 0: Yeah.\n\nChannel 1: An individual sole trader.\n\nChannel 0: Oh, yeah. Soul Trader.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And when did you change to that?\n\nChannel 1: Fifteen months ago. In\n\nChannel 0: Oh,\n\nChannel 1: January\n\nChannel 0: yeah.\n\nChannel 1: January 2025\n\nChannel 0: Perfect. And how is it\n\nChannel 1: or\n\nChannel 0: all going\n\nChannel 1: February\n\nChannel 0: so\n\nChannel 1: '20\n\nChannel 0: far?\n\nChannel 1: '25. Sorry?\n\nChannel 0: How is it all going so far?\n\nChannel 1: Yeah. Yeah. Good. Good.\n\nChannel 0: Yeah.\n\nChannel 1: Very busy. But\n\nChannel 0: That's good, though.\n\nChannel 1: yeah. Yeah. Busy is good, but being too\n\nChannel 0: Yeah.\n\nChannel 1: busy sometimes is not too good. You need to get, I think you need\n\nChannel 0: Yeah.\n\nChannel 1: to, I think\n\nChannel 0: Balance.\n\nChannel 1: you need to balance. Yeah. And,\n\nChannel 0: Yeah.\n\nChannel 1: that's what I'm sort of kinda looking for towards this year.\n\nChannel 0: Yeah. Do you is it just yourself? Do you have someone else working\n\nChannel 1: No.\n\nChannel 0: as well?\n\nChannel 1: No. No. No. I think well, I would have to go I would have to go PTY to have anybody\n\nChannel 0: Yeah.\n\nChannel 1: else working for me. So yeah.\n\nChannel 0: But now it's just getting\n\nChannel 1: Don't know.\n\nChannel 0: also\n\nChannel 1: It might be it might be heading there in that track. I'm just not sure yet. We'll see what\n\nChannel 0: yeah.\n\nChannel 1: see what's see\n\nChannel 0: Yeah.\n\nChannel 1: what what I have to sort out.\n\nChannel 0: Yeah. And you work, obviously, full time hours? Yes.\n\nChannel 1: Yeah. Yeah. More or less. Today, I'm off\n\nChannel 0: Yeah.\n\nChannel 1: because of the rain, but, yeah, generally, I'm working on average of about probably forty five hours a week.\n\nChannel 0: Ah, yeah.\n\nChannel 1: Forty hours,\n\nChannel 0: Okay.\n\nChannel 1: I mean, if you were to if you were to calculate the overall year, there'd probably be an average of definitely forty hours. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. No. And totally,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, weather stuff. The last the\n\nChannel 1: Yeah.\n\nChannel 0: last few weeks have been not so\n\nChannel 1: Yeah.\n\nChannel 0: fun.\n\nChannel 1: The\n\nChannel 0: So\n\nChannel 1: last\n\nChannel 0: much\n\nChannel 1: few\n\nChannel 0: rain.\n\nChannel 1: weeks hasn't been great, has it?\n\nChannel 0: Yeah. No.\n\nChannel 1: Are you still living in Queensland yourself or\n\nChannel 0: Yeah. So we're up on the Gold Coast.\n\nChannel 1: I'm in the Gold Coast too. Yeah.\n\nChannel 0: Yeah. We're up in Southport.\n\nChannel 1: Oh, Southport. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've been thinking\n\nChannel 0: What's\n\nChannel 1: about\n\nChannel 0: your\n\nChannel 1: moving to that area.\n\nChannel 0: what's your new suburb?\n\nChannel 1: Sorry?\n\nChannel 0: Where whereabouts in the Queensland\n\nChannel 1: Palm Surfers\n\nChannel 0: Gold Coast?\n\nChannel 1: Paradise.\n\nChannel 0: Oh, yeah. Nice. Oh, well, that's close.\n\nChannel 1: Yeah.\n\nChannel 0: But if it if you ever are up, obviously, towards Southport and you want to do a review or anything in person, just let us know because you're always more than welcome to come into the office as well if you, would prefer.\n\nChannel 1: Yeah. That would probably be be a lot better, actually.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. We'll just yeah. Just let us know next time if, yeah, yeah, if you just wanna wanna pop in, especially\n\nChannel 1: Yeah.\n\nChannel 0: now when\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: think that\n\nChannel 0: nice\n\nChannel 1: would be\n\nChannel 0: and clean.\n\nChannel 1: the best thing for me. Yeah.\n\nChannel 0: Yeah. Yeah. Perfect. Well, I'll make a little note, especially now when you are nice and close. But, yeah, I have had a lot of rain\n\nChannel 1: Yeah.\n\nChannel 0: brought a lot of rain recently. Now income wise, I probably understand that it will fluctuate a little bit.\n\nChannel 1: Yeah. It\n\nChannel 0: But\n\nChannel 1: does.\n\nChannel 0: do you know roughly what are you on track to for, like, this money issue here?\n\nChannel 1: Sorry?\n\nChannel 0: Do you know your rough income that I you'll\n\nChannel 1: Oh,\n\nChannel 0: pay yourself\n\nChannel 1: would have been it would have been about a $180, I think, or a 100 and\n\nChannel 0: About\n\nChannel 1: 70, maybe.\n\nChannel 0: alright. Perfect. So about 180 ish. Now contribution wise, because now when you're a sole trader, it's obviously up to you if you are wanting to make contributions. Are you Mhmm.\n\nChannel 1: Super. I would need to inquire about docs. I I\n\nChannel 0: Mhmm.\n\nChannel 1: it it would be up to me, yeah, if\n\nChannel 0: Yes.\n\nChannel 1: I wanted to. Yeah.\n\nChannel 0: Yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: are you doing anything at the moment, or are you planning on or just kind of seeing how the business\n\nChannel 1: Yeah.\n\nChannel 0: goes first?\n\nChannel 1: Well, I think as of July,\n\nChannel 0: Mhmm.\n\nChannel 1: whatever company that you or whatever company that you're, you know, working for has to I think they have\n\nChannel 0: Pay\n\nChannel 1: to\n\nChannel 0: for\n\nChannel 1: pay for\n\nChannel 0: Yeah.\n\nChannel 1: super yet.\n\nChannel 0: Yeah. If you are con contracted. So\n\nChannel 1: If\n\nChannel 0: that\n\nChannel 1: you're\n\nChannel 0: that\n\nChannel 1: yeah.\n\nChannel 0: will be\n\nChannel 1: I'm\n\nChannel 0: good.\n\nChannel 1: a contractor yet.\n\nChannel 0: Yeah. Oh, okay.\n\nChannel 1: I\n\nChannel 0: Great.\n\nChannel 1: think there's\n\nChannel 0: Perfect.\n\nChannel 1: a new come in in July, apparently.\n\nChannel 0: Yes. No. Definitely. Yeah. If you are contract contractor, then that will be the case.\n\nSo then do you think roughly it'll be the same? Like, you will be contracted under around a 180 a year?\n\nChannel 1: No. Because things have changed.\n\nChannel 0: Mhmm.\n\nChannel 1: So basically being asked to yeah. The the the the amount may be lower, actually,\n\nChannel 0: Mhmm.\n\nChannel 1: because I've been because my the just things have changed with companies and stuff. The original company that I was contracted into went into liquidation. So\n\nChannel 0: Okay.\n\nChannel 1: the the the builder had to take over, and now it's I'm working for them. So I've been requested to that the rates to see if we could negotiate rates. So I'm on a lower rate now, so it wouldn't be unless I go PTY and I gotta start getting people to work for\n\nChannel 0: Okay.\n\nChannel 1: me,\n\nChannel 0: Mhmm.\n\nChannel 1: then my my annual year return would probably be slightly lower.\n\nChannel 0: Okay.\n\nChannel 1: A good\n\nChannel 0: Yep.\n\nChannel 1: bit lower, actually, probably,\n\nChannel 0: Yeah.\n\nChannel 1: than what\n\nChannel 0: Okay.\n\nChannel 1: it was originally on. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: No. That's okay. And, obviously, especially with the business and contract and everything, I completely understand that things do fluctuate and\n\nChannel 1: Yeah.\n\nChannel 0: depends\n\nChannel 1: Yeah.\n\nChannel 0: on that. So that's no problem. I'll just make a little note. And then after the line stuff, we can just kind of keep an eye on those contributions anyway when they drop in your hub 24\n\nChannel 1: Yeah.\n\nChannel 0: for you and have a bit of\n\nChannel 1: Well,\n\nChannel 0: a look at that.\n\nChannel 1: maybe maybe there was I don't know. Maybe. I don't think it's a thing. At the moment, it's up to you as as far as I'm concerned. I'm still learning\n\nChannel 0: Yes.\n\nChannel 1: business because, obviously, I've only been in business\n\nChannel 0: Yes.\n\nChannel 1: fifteen years, and I'm I'm I'm an amateur. I'm not a professional. So\n\nChannel 0: And\n\nChannel 1: I may\n\nChannel 0: the more\n\nChannel 1: as\n\nChannel 0: you\n\nChannel 1: well\n\nChannel 0: do\n\nChannel 1: be\n\nChannel 0: as\n\nChannel 1: honest.\n\nChannel 0: well.\n\nChannel 1: It's like\n\nChannel 0: Yeah.\n\nChannel 1: it's like you're working in a if it's in terms of construction\n\nChannel 0: Yeah.\n\nChannel 1: and experience. I'd say I'm a professional or a family\n\nChannel 0: Yeah.\n\nChannel 1: professional because I've been doing it for twenty years.\n\nChannel 0: Yep.\n\nChannel 1: But in terms of business, starting my own business and starting out, it's pretty challenging, and there's a lot of things you have to take into account more. So,\n\nChannel 0: Yes. Yes.\n\nChannel 1: like, your boss and your tax and your all that kind of stuff.\n\nChannel 0: Yeah. And\n\nChannel 1: PST.\n\nChannel 0: do you have do you have a good accountant to help\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: do have a good\n\nChannel 0: yeah.\n\nChannel 1: accountant. Yes.\n\nChannel 0: Oh, great.\n\nChannel 1: Both he's based in Melbourne. So\n\nChannel 0: Okay.\n\nChannel 1: we'll see how we'll see how this year feels out and if I'm happy with why we did you have someone in mind?\n\nChannel 0: Yep. Oh, I was just going to to ask if you do if you don't have one, we do work closely with with an accountant firm up here. So if it is that you wanted a referral or assistance, especially, like, setting up the business can\n\nChannel 1: Yeah.\n\nChannel 0: be a bit\n\nChannel 1: Well,\n\nChannel 0: tricky.\n\nChannel 1: it it might it might stand more sense in the future.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not I'm not ruling it out for now.\n\nChannel 0: Yep. And just\n\nChannel 1: I\n\nChannel 0: let\n\nChannel 1: won't\n\nChannel 0: us know\n\nChannel 1: rule\n\nChannel 0: if\n\nChannel 1: it\n\nChannel 0: it\n\nChannel 1: out\n\nChannel 0: changes.\n\nChannel 1: just now,\n\nChannel 0: Yeah.\n\nChannel 1: but for future reference, it it it may be a a thing depending on\n\nChannel 0: Yeah.\n\nChannel 1: where I decide\n\nChannel 0: What's happening?\n\nChannel 1: to reside. Like, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: I don't know what's in front of me next week, never mind next year. So\n\nChannel 0: That's fine. And just let us know, you know, if it is ever a point that you go, oh, do you know what? I wanna have a bit of a chat\n\nChannel 1: but\n\nChannel 0: to them\n\nChannel 1: it\n\nChannel 0: or see if I can\n\nChannel 1: stands more sense. It does stand more sense for\n\nChannel 0: yeah.\n\nChannel 1: me. And to be honest, I like to do I definitely do like to go in and see people in person\n\nChannel 0: Yeah.\n\nChannel 1: rather than at the moment, it's all through phone and and email\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: and and and video calls and\n\nChannel 0: Yeah.\n\nChannel 1: which\n\nChannel 0: Can\n\nChannel 1: is\n\nChannel 0: be\n\nChannel 1: okay,\n\nChannel 0: harder.\n\nChannel 1: but I'd rather\n\nChannel 0: Yep.\n\nChannel 1: be in person. Yeah.\n\nChannel 0: Yeah. No. And a lot of locals are like that as well. And we do offer that, like I said earlier. So we're just up in Southport.\n\nYou're always always more than welcome to have any appointments face to face, especially now when you are local. So I'll make a little note that you do prefer face to face where possible. And, yeah, where if you do change your mind and you do wanna talk to an accountant, just send us an email, give us a call, and we can always then get them through reach out and have a bit of a chat to you.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now when it comes to your assets and liabilities, I\n\nChannel 1: Mhmm.\n\nChannel 0: have here that you have about $5,000 worth of investments, like, personal investments. Is that still the case?\n\nChannel 1: Yeah. Probably probably a bit I would have to look through it. I I don't know off the top of my head at the minute, but there's probably a bit more.\n\nChannel 0: Okay.\n\nChannel 1: I have investments in certain things.\n\nChannel 0: Yeah. No. And is that just kind of on an investment platform? Or\n\nChannel 1: Yeah. Just do just doing a few things at the moment.\n\nChannel 0: Yes.\n\nChannel 1: Few things outside of my construction. Just kinda\n\nChannel 0: Yeah.\n\nChannel 1: like side hustles, health and fitness. I help me own health and fitness business as well, but it's\n\nChannel 0: Yeah.\n\nChannel 1: not making any not really making any revenue at the moment.\n\nChannel 0: Mhmm. Okay. No. That's alright. Otherwise, do you have a motor vehicle or motorbike or anything like that?\n\nChannel 1: No. No. No. No. No vehicle.\n\nThat's another issue I have to sort out with, I think, the Garrett Bevis is on the phone. She lived in Surfers. I think the same place\n\nChannel 0: Nope. Yes.\n\nChannel 1: as me or maybe it was\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: She\n\nChannel 1: in\n\nChannel 0: said\n\nChannel 1: the same building.\n\nChannel 0: no. It was yeah. It was Maddie who took the reception inbound call. She actually said that. She's like, oh, funny enough.\n\nYou're now living in my old building.\n\nChannel 1: Yeah. Yeah. I wanna get out of here. It's time\n\nChannel 0: Yeah.\n\nChannel 1: to get out of here being too long.\n\nChannel 0: At least the train would be nice at moments with the still the 50¢. Tram fare fares, is it?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. What do you what's your what would your view be on Southport for living?\n\nDo you like living there or not really?\n\nChannel 0: Well, I live up in Pacific Pines, so closer to, like, other side of, like, Helensvale and stuff.\n\nChannel 1: Oh, yeah.\n\nChannel 0: And just, yeah, just work in Southport. And it's it's good. Like, they it is convenient, but it depends what you're after as well because I live in a house, and there's not that many houses potentially in Southport. It's a lot more like apartment buildings and duplexes\n\nChannel 1: Yeah.\n\nChannel 0: and stuff. So it does depend like, it is convenient. I think it's a little bit cheaper than other\n\nChannel 1: Yeah.\n\nChannel 0: suburbs. There are certain area that's a little bit rougher than\n\nChannel 1: Yeah.\n\nChannel 0: others, but so you'll get in any suburb, I think.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. I\n\nChannel 0: if\n\nChannel 1: know\n\nChannel 0: if\n\nChannel 1: what\n\nChannel 0: it's\n\nChannel 1: area.\n\nChannel 0: more around, like, the back of Australia Fair and stuff, sometimes, like, kinda where the hub is. Sometimes you get, yeah, a little bit\n\nChannel 1: Yeah.\n\nChannel 0: of rough roughness, but, yeah, you'll\n\nChannel 1: Rough around\n\nChannel 0: get that\n\nChannel 1: the\n\nChannel 0: in,\n\nChannel 1: edges. Yeah.\n\nChannel 0: yeah, you get that in a lot of suburbs. But then there are other sites points of Southport, which is really nice, especially as you get, like, closer to the water and stuff.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: So I think you can find good areas. Just kind of if you do go and have a look at some places, I would just kind of have a look around a little bit as well just to make sure it's kind of, like, one of the\n\nChannel 1: Yeah.\n\nChannel 0: nice nice ones. But it is very good and convenient. It is close to a lot of things. Yeah. And I think Maddie enjoyed living there as well.\n\nAnd, yeah, a few other colleagues live around the area too,\n\nChannel 1: Yeah.\n\nChannel 0: and they all enjoy it.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Otherwise, I have here $2,000 of about credit cards. Is that still the case?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I believe\n\nChannel 0: Perfect.\n\nChannel 1: so. Yeah.\n\nChannel 0: And then a loan of about 1,200.\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: I've paid off all my loans there. Yeah.\n\nChannel 0: Oh, beautiful. That's great. Any other assets that we haven't gone over otherwise? Any, like, savings in the bank or anything else? Or\n\nChannel 1: No. Just just whatever's in the maintenance account, really.\n\nChannel 0: yes. Yes. Perfect. Now health and lifestyle wise, are you a smoker?\n\nChannel 1: No.\n\nChannel 0: Nope. And have you had any changes to your health in the last twelve months? Any\n\nChannel 1: No.\n\nChannel 0: significant health issues or injuries or\n\nChannel 1: Not\n\nChannel 0: anything?\n\nChannel 1: really as with mental health, I suppose, but that's that's yeah. Just got to manage it, really. That's it.\n\nChannel 0: Yeah.\n\nChannel 1: Get from taking medication or do what's\n\nChannel 0: Yeah.\n\nChannel 1: advised to me.\n\nChannel 0: Yeah. That's good. But, otherwise, yeah, you're not having any too many troubles or anything health wise. It's all going\n\nChannel 1: No.\n\nChannel 0: alright?\n\nChannel 1: No. No. No. No. Pretty\n\nChannel 0: No.\n\nChannel 1: healthy. Just\n\nChannel 0: Oh, great.\n\nChannel 1: for now.\n\nChannel 0: Yeah. That's good.\n\nChannel 1: Yeah. For now, you\n\nChannel 0: Now\n\nChannel 1: can only love it. You only live in the night.\n\nChannel 0: that's right. Barry, do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: Nope. Might be worth having a look at at some point for you just\n\nChannel 1: Yeah.\n\nChannel 0: from an income point of view, at least.\n\nChannel 1: Yeah.\n\nChannel 0: Because you are now a high income earner,\n\nChannel 1: Yeah.\n\nChannel 0: what that will mean as well, which your accountant should be able to kind of calculate all of that for you this financial year, is that because you have exceeded the now in through the high income earner, it will mean that if you do not have private health or hospital cover,\n\nChannel 1: Yeah.\n\nChannel 0: that you would pay a medical levy surcharge. That is you you know about that?\n\nChannel 1: Yeah. Yeah. Well, I'm part\n\nChannel 0: Mhmm.\n\nChannel 1: of well, of course, my Irish my Irish passport covers a lot of things.\n\nChannel 0: Mhmm. Okay.\n\nChannel 1: And my Medicare I've got Medicare\n\nChannel 0: Mhmm.\n\nChannel 1: as well. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, in terms of ambulance and stuff like that, I think probably I would get billed for that. I don't I'm not sure.\n\nChannel 0: Yeah.\n\nChannel 1: In Queensland.\n\nChannel 0: And I, yeah, I used to be the same. So I'm Swedish. So if you do have a bit of an accent, that's why. And I'm now dual citizen, so I have Swedish as well. And when I came over, it was partnership between Sweden and Australia, so I had Medicare and stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: This this is a little bit different in that basically, because, obviously, you have public hospitals and stuff\n\nChannel 1: Yeah.\n\nChannel 0: where they are encouraging high income earners kind of regardless\n\nChannel 1: Private\n\nChannel 0: of\n\nChannel 1: care.\n\nChannel 0: yeah. Just to kind\n\nChannel 1: Yeah.\n\nChannel 0: of assist, and they do\n\nChannel 1: Yep.\n\nChannel 0: put an additional tax on high income earners if you do not have\n\nChannel 1: Okay.\n\nChannel 0: private health insurance. So\n\nChannel 1: Yeah.\n\nChannel 0: it might be worth and sometimes it turns out that you pay a little bit more extra tax, but it's actually a lot cheaper than the private health insurance.\n\nChannel 1: Okay.\n\nChannel 0: Sometimes it turns out the other way depending on how high your income is. That\n\nChannel 1: Yeah.\n\nChannel 0: sometimes like, I have a lot of clients who just take out private health insurance just, like, the minimum cover just to not having to pay additional tax.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: But definitely chat to your accountant because they are obviously the expert when it comes to that. Just something\n\nChannel 1: Yeah.\n\nChannel 0: to be mindful of. And when you do chat to them as well, just they they'll be able to calculate all of that for you and see where you're at and\n\nChannel 1: Yeah.\n\nChannel 0: how how much that would all potentially be and stuff. So just\n\nChannel 1: Yeah.\n\nChannel 0: something to be a little bit mindful of now when your income has gone up quite a bit.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Otherwise, when it comes to estate planning, do you have a will or anyone who makes any financial decisions on your behalf?\n\nChannel 1: Well, not really at the minute, but,\n\nChannel 0: No.\n\nChannel 1: well, I think I I don't know if I finished it or not. I'm not sure,\n\nChannel 0: Okay.\n\nChannel 1: but I had plans to if anything happened that I'd split my will, I think it was in four ways of\n\nChannel 0: Mhmm.\n\nChannel 1: one probably myself or others my brother, my two sisters, my mom, and my auntie are made with just for a will. Yeah.\n\nChannel 0: Yeah. Okay. Perfect.\n\nChannel 1: But,\n\nChannel 0: So\n\nChannel 1: obviously,\n\nChannel 0: kind of in\n\nChannel 1: yeah,\n\nChannel 0: the pro.\n\nChannel 1: that's\n\nChannel 0: Yep.\n\nChannel 1: as they get older, they they mostly, they they could die before me or I could die before them. I don't know. But, hopefully, it's the other I don't know most death in any bleep.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah.\n\nChannel 0: Yes. Of\n\nChannel 1: Just\n\nChannel 0: course.\n\nChannel 1: with the age\n\nChannel 0: Yes.\n\nChannel 1: wise. You know? Just\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: And that makes sense. And\n\nChannel 1: Yeah. But I just want to be fair while I'm\n\nChannel 0: yeah.\n\nChannel 1: just that sort of person. If I have\n\nChannel 0: Yeah.\n\nChannel 1: things\n\nChannel 0: That's\n\nChannel 1: that are\n\nChannel 0: nice.\n\nChannel 1: left over,\n\nChannel 0: Yeah.\n\nChannel 1: then that would be\n\nChannel 0: And that's nice. And when it\n\nChannel 1: passed\n\nChannel 0: comes\n\nChannel 1: to\n\nChannel 0: through\n\nChannel 1: them.\n\nChannel 0: super end insurances, so we don't have a current nomination on file for you. So that is if something ever were to happen to you, like, you were to pass away, who would then receive your benefit? Do you know who you would like to nominate for to receive that? Would that be your family\n\nChannel 1: Yeah.\n\nChannel 0: again?\n\nChannel 1: Yeah. Probably. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now does any of your family members live with you currently or rely on you financially?\n\nChannel 1: No.\n\nChannel 0: No. So when it comes through the superannuation legislation here in Australia, they they are restrictions on who you can actually nominate directly through the CISSPAC. So\n\nChannel 1: No.\n\nChannel 0: the only people that you can nominate, like, directly on a form is a spouse, a child, or someone in a financial dependent or interdependent relationship with, which\n\nChannel 1: Yeah.\n\nChannel 0: a lot of clients, if if you don't have a spouse or children or you wanna give it through, like, nephews and nieces or family members and brothers and sisters and mom and dad, which is super common, you can still do it. We would just have to structure stuff a little bit differently.\n\nChannel 1: Yeah.\n\nChannel 0: So the way that we would go around it is that on the forms for your super and insurances, you would put down that you nominate a legal personal representative, which essentially is just a fancy word for saying that it goes to your will. Then\n\nChannel 1: Yep.\n\nChannel 0: in your will, you can nominate whomever you want. So then in your will, you can say that you want it to go to x y zed and so many portions. And in the will, you can even do a bit of a succession sometimes as well, where you can\n\nChannel 1: Yeah.\n\nChannel 0: say first person this, but if something were to happen, this one and this one, etcetera.\n\nChannel 1: Yeah.\n\nChannel 0: The only reason we have to do it this way is because super and insurance does not automatically form part of the estate. So you can have\n\nChannel 1: Yeah.\n\nChannel 0: it completely different to your estate. If there is no nomination in place, it could go to your estate regardless, but the trustee of the super or your insurances could also decide if there is someone that tries to come forth and make a claim for it. So\n\nChannel 1: Yeah.\n\nChannel 0: it is important to have a look at when you have a moment, and that\n\nChannel 1: Yeah.\n\nChannel 0: would be through to have a look at that will if it was finalized or where it's at, and then include in that what you want to do with your super and your insurance. Now under then the forms that we'll submit to your super fund and your insurance company, do you have access to a printer, or do you\n\nChannel 1: Yeah.\n\nChannel 0: prefer things to be posted to you?\n\nChannel 1: Oh, you can post it. I\n\nChannel 0: Posted?\n\nChannel 1: don't know if they're gonna\n\nChannel 0: Nice\n\nChannel 1: receive\n\nChannel 0: and close.\n\nChannel 1: it to this to this address because of the but I think they can receive letters. Yeah. But, yeah,\n\nChannel 0: Okay. Well, what I can\n\nChannel 1: the\n\nChannel 0: well,\n\nChannel 1: email maybe.\n\nChannel 0: oh, yes. Email it it it just has to be printed at some some place, even, like, office\n\nChannel 1: Yeah.\n\nChannel 0: work or\n\nChannel 1: Yeah.\n\nChannel 0: library\n\nChannel 1: I could print\n\nChannel 0: or something?\n\nChannel 1: it out. Yeah. Yeah. I can,\n\nChannel 0: Yes.\n\nChannel 1: yeah, I can print it out here in the hotel with being not an issue. I've\n\nChannel 0: Okay.\n\nChannel 1: done it\n\nChannel 0: Perfect.\n\nChannel 1: before.\n\nChannel 0: Yeah. So what I will do then, that way you'd also have it in your inbox as a bit of a reminder, is that I will get the team to email you the form,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: have a look at them. And like I said, if you do wanna give it to your family members, just complete it a a 100% to your legal personal representative, and\n\nChannel 1: Yeah.\n\nChannel 0: then make sure you do note it in the will as well. Does that all make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I think the other question I wanted to ask is through where\n\nChannel 0: Beautiful.\n\nChannel 1: my CIBA superannuation, what the what it stands at from a from a financial point of view at the moment where what numbers are we looking at through working with these guys? Where where where are we at in terms of\n\nChannel 0: Yeah.\n\nChannel 1: that?\n\nChannel 0: Sorry. Because you have your super with hub twenty four? Yeah. So do you have a c bus account that you opened\n\nChannel 1: Yeah.\n\nChannel 0: up as well, or you mean\n\nChannel 1: I have\n\nChannel 0: from\n\nChannel 1: a\n\nChannel 0: your\n\nChannel 1: specific\n\nChannel 0: old one?\n\nChannel 1: kind. That's I think it's the same one. I don't think I opened a new CBIS account. No. I've I've kept it the same.\n\nChannel 0: Okay. Let me just check here\n\nChannel 1: You\n\nChannel 0: for\n\nChannel 1: you\n\nChannel 0: you.\n\nChannel 1: should be able to see it from your end because these are the guys that\n\nChannel 0: And yeah. So let me just get, just bear with me. Let me get all this information up for you. Now are you still receiving statements from Cebus?\n\nChannel 1: Oh, I don't know. There's probably a 100 ladder playing in the raid because that was my original address.\n\nChannel 0: Yeah.\n\nChannel 1: I haven't been back there in a while. The guy still owns that I know still owns there, but I, you know, I haven't been back in Sydney in a long time. So\n\nChannel 0: No. That's okay. They should email it through you as well\n\nChannel 1: oh, yeah.\n\nChannel 0: because\n\nChannel 1: I don't think I've received anything through email.\n\nChannel 0: yeah.\n\nChannel 1: Maybe I have, but I'd I just there'd be that many coming in every\n\nChannel 0: No.\n\nChannel 1: day.\n\nChannel 0: That's\n\nChannel 1: I don't know.\n\nChannel 0: alright. Because I can see here that when you obviously came on board and we did your initial advice, you used to be with CBAS. And you had a bit of money in Cbus, but that was all, by the looks of it, transferred and consolidated to hub twenty four where you currently have your super. But let me just triple check the transactions because on on our end, it looks like that was all finalized and that you don't have it open anymore unless you've put any contributions or anything afterwards into it.\n\nChannel 1: No. But I yeah.\n\nChannel 0: No.\n\nChannel 1: No. No.\n\nChannel 0: No?\n\nChannel 1: But I just want to know what my what the balance is at this point.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. I have your your hub 24\n\nChannel 1: Yeah.\n\nChannel 0: that I've actually emailed you, which does have your your current super balance as well. Now I do wanna just triple check because just that your c bus was completely closed down from our end because it looks like it was, but I do wanna triple check that for you while\n\nChannel 1: I'm\n\nChannel 0: I'm in your\n\nChannel 1: just\n\nChannel 0: account.\n\nChannel 1: wondering why it was closed down because it was no contributions being made. Was that it? Or\n\nChannel 0: No. So when you when you oh, yes. Yeah. So no. The reason was that when you came on board in 2022,\n\nChannel 1: mhmm.\n\nChannel 0: you obviously had advice with the director, Sabrina Sarta. And part of the advice was to, obviously, assess your superannuation and\n\nChannel 1: Yeah.\n\nChannel 0: assess if that was a more suitable option that was going to do a little bit better for you, as well as looking at your comprehensive insurances. Now\n\nChannel 1: Yeah.\n\nChannel 0: having a look at that document, because I do have it in front of me as well, obviously, every time we do make a recommendation, there's a lot of research that goes into it to make sure that if we switch your super funds, it is going to put you in a better position. So factoring in, obviously, fees and returns and everything, because we are bound by that best interest duty, which means that we always have to act in your best interest at all time, and the advice\n\nChannel 1: Yeah.\n\nChannel 0: we put together has to put you in a better position. Now\n\nChannel 1: Yeah.\n\nChannel 0: having a bit of a look at this, it was recommended that you change from CBA to Hub\n\nChannel 1: Oh, no.\n\nChannel 0: 20\n\nChannel 1: No. No.\n\nChannel 0: four.\n\nChannel 1: That's not that's not that's that that that's not the question. It's how much is in my I I know that I changed from to\n\nChannel 0: Okay.\n\nChannel 1: to\n\nChannel 0: Hub\n\nChannel 1: Hub 24,\n\nChannel 0: twenty\n\nChannel 1: but what all I'm asking is the\n\nChannel 0: four. You're balanced.\n\nChannel 1: my balance. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: Not\n\nChannel 0: okay. Perfect.\n\nChannel 1: yeah.\n\nChannel 0: I thought you were asking why c bus\n\nChannel 1: No.\n\nChannel 0: was shut\n\nChannel 1: No.\n\nChannel 0: down.\n\nChannel 1: No. No. I know I I just had see the superannuation\n\nChannel 0: No. That's\n\nChannel 1: because,\n\nChannel 0: okay.\n\nChannel 1: yeah, that's it's just\n\nChannel 0: It's in\n\nChannel 1: been\n\nChannel 0: your\n\nChannel 1: in\n\nChannel 0: mind.\n\nChannel 1: my brain for so long\n\nChannel 0: No. That's\n\nChannel 1: rather\n\nChannel 0: okay.\n\nChannel 1: than just\n\nChannel 0: I was\n\nChannel 1: saying super. It's probably\n\nChannel 0: no.\n\nChannel 1: my fault that I\n\nChannel 0: No.\n\nChannel 1: don't\n\nChannel 0: That's okay. Because I was like, no. I don't have c Bus here. That's\n\nChannel 1: I\n\nChannel 0: all\n\nChannel 1: was\n\nChannel 0: closed\n\nChannel 1: a bit\n\nChannel 0: now.\n\nChannel 1: confused there because it was like, hold on a minute.\n\nChannel 0: What?\n\nChannel 1: Like,\n\nChannel 0: No. No. No. Your super is very much still here. It's just not with CBass.\n\nIt's with Hub twenty four. So we're on the we we're on the right. Yes. It's very much here. Now, Barry, do you have access to your emails?\n\nBecause I have actually sent you a couple of documents, and part of that is showing you your current super balance, your performance, your insurances, and\n\nChannel 1: Yeah.\n\nChannel 0: everything\n\nChannel 1: Just\n\nChannel 0: so that\n\nChannel 1: give me\n\nChannel 0: you\n\nChannel 1: a\n\nChannel 0: can\n\nChannel 1: second.\n\nChannel 0: see it. Yeah. Sure.\n\nChannel 1: I might I'm just in I'm just blocking the apartment here just because I don't wanna go from phone to I've just got you on speaker here. That's if\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: That's\n\nChannel 1: okay.\n\nChannel 0: okay. Yeah. Most\n\nChannel 1: Yep.\n\nChannel 0: people\n\nChannel 1: I'm\n\nChannel 0: most\n\nChannel 1: on\n\nChannel 0: people\n\nChannel 1: my own\n\nChannel 0: do\n\nChannel 1: anyway.\n\nChannel 0: that as\n\nChannel 1: So\n\nChannel 0: well. Yeah.\n\nChannel 1: it's\n\nChannel 0: No. That's that's all good. Now we have recently changed the software as well, so it could end up in spam folder potentially.\n\nChannel 1: Hold on a second.\n\nChannel 0: Yeah.\n\nChannel 1: Veronica Glover?\n\nChannel 0: Yes. That's me. Mhmm.\n\nChannel 1: Your annual review. Oh, that's just\n\nChannel 0: Yes.\n\nChannel 1: saying the document.\n\nChannel 0: Yes. But if you click on that, it will show you all the documents before asking you to sign anything, and that gives\n\nChannel 1: Okay.\n\nChannel 0: you a breakdown of everything today.\n\nChannel 1: That does give me balance. Yes.\n\nChannel 0: Correct. Yes. So\n\nChannel 1: Okay.\n\nChannel 0: if if you wanna click on that for me,\n\nChannel 1: Okay.\n\nChannel 0: it should\n\nChannel 1: Yeah.\n\nChannel 0: open up a couple of documents. The first one should say summary of superannuation. Can\n\nChannel 1: Yeah.\n\nChannel 0: you see that document?\n\nChannel 1: Yeah. I can't\n\nChannel 0: Yes.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: That's it. Yeah. I can see it. Yep.\n\nChannel 0: Yep. Now that tells us here that your superannuation balance is $87,234.99.\n\nChannel 1: Yeah.\n\nChannel 0: Now do you have access to HUB 24 as well if you ever just wanted to go in and see how much is there? We'll check anything yourself quickly as well. Do you have all your login details\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: just\n\nChannel 0: everything?\n\nChannel 1: I just couldn't really remember how to get into it. I'd need to\n\nChannel 0: No. So what you because I use Hub twenty four for my personal superannuation as well.\n\nChannel 1: Okay.\n\nChannel 0: I I find the easiest way is on your phone.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. If you have a smartphone, you can actually download an app with Hub twenty four.\n\nChannel 1: Yeah.\n\nChannel 0: And then once you kind of actually, if you have a pen and paper, paper, I can read out because you need your account information, and then you just need to set a password. If you haven't kind of done it, it will ask you to to do that. But if you have a pen and paper or are able to note it, like, on notes on your phone, I can read out your login ID for you if you wanna note this down. So let me know when you're ready.\n\nChannel 1: Yeah. Yes. I have notes. Yeah.\n\nChannel 0: Yep. So 13\n\nChannel 1: Yep.\n\nChannel 0: 676.\n\nChannel 1: What's this one? Sorry. What's\n\nChannel 0: So this\n\nChannel 1: this?\n\nChannel 0: is your login ID if you want it to go into your account yourself at any point in time.\n\nChannel 1: Yeah. Go for it.\n\nChannel 0: Yep. So 1367\n\nChannel 1: Three six seven. Yeah.\n\nChannel 0: 6922.\n\nChannel 1: Yeah.\n\nChannel 0: Now this is your login ID. So if you later go and download the Hub 24 app on your\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: mobile phone, it\n\nChannel 1: Yeah.\n\nChannel 0: will ask you for your login ID, which is the one I just gave you, and then it will ask you for a password. You can just create your own password, and then you have access to your account\n\nChannel 1: Yeah.\n\nChannel 0: so that you\n\nChannel 1: Yeah.\n\nChannel 0: can go and have a look at your super balance. You can always call us. We we always have access to it. You can always\n\nChannel 1: Yeah.\n\nChannel 0: give us a call if you want a bit of an update. That way, it's really makes it easy if you wanna have a look at it whenever\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you want to. You can also do that quite easily just on your mobile phone as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: And through my super, has there been when was the last when was the last contribution?\n\nChannel 0: Alright. Let me have a look\n\nChannel 1: Can\n\nChannel 0: at\n\nChannel 1: you\n\nChannel 0: that\n\nChannel 1: see\n\nChannel 0: for\n\nChannel 1: on\n\nChannel 0: you.\n\nChannel 1: your end when the last contribution was?\n\nChannel 0: Yes. Let me have a look at your statements for you. So Alright. So nothing in May or April. Nothing in January.\n\nAlright. Nothing in December or November. Let me have a look. Are you getting the rain at the moment as well?\n\nChannel 1: Oh, I'm just having\n\nChannel 0: No?\n\nChannel 1: a look out there. I think there's a bit of rain out there.\n\nChannel 0: Oh, yeah. It's pouring down here. Now\n\nChannel 1: Okay.\n\nChannel 0: April. So I can see the last one was on the April 28, so 2025, and that was from a Sherian Contracting and Maintenance.\n\nChannel 1: Hello?\n\nChannel 0: It says Sheriden Contracting and Maintenance PTY LTD.\n\nChannel 1: Charrington.\n\nChannel 0: It says S H E R I D A N.\n\nChannel 1: B I n. Sheridan. Sheridan contract. Oh, when was that? And so where that was January\n\nChannel 0: April twenty twenty five.\n\nChannel 1: okay.\n\nChannel 0: And I can't see anything before then. I can see that's pretty regularly. So then if I keep going, I can see from the same company in February 2025, but then there was another one in February 2025 from a road and rail excavations.\n\nChannel 1: Oh, yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. February 2025. That was\n\nChannel 0: Yes.\n\nChannel 1: February. Yeah.\n\nChannel 0: Yes. Correct. February 2025.\n\nChannel 1: And then the wedding Then what was the other one in the April 2025? Yeah.\n\nChannel 0: The yeah. Twenty twenty five April, and that was the Sheridan Contracting and Maintenance.\n\nChannel 1: Let me just and how much are those contributions forwarded?\n\nChannel 0: Yeah. So the one in April was for a $121.60.\n\nChannel 1: Yeah.\n\nChannel 0: And then the same one that they did they did one in February 2025, and that was\n\nChannel 1: Yeah.\n\nChannel 0: $58.73.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: And that road and rail excavation in February, they did $63.25.\n\nChannel 1: Okay. Fine.\n\nChannel 0: Yeah. And then you also had one in January 2025. You had two in January 2025, actually, from and that was a little bit bigger. It was from a you had a Carmen Construction, and\n\nChannel 1: Carmen.\n\nChannel 0: then you\n\nChannel 1: Oh,\n\nChannel 0: Carmen\n\nChannel 1: yeah. Yeah. Yeah.\n\nChannel 0: yeah. And then you also had a okay. This I don't know how to pronounce this, so I will spell spell it through you. Sorry. It's j r a m a l c o, and\n\nChannel 1: Oh,\n\nChannel 0: that\n\nChannel 1: yeah.\n\nChannel 0: was a\n\nChannel 1: Good\n\nChannel 0: company.\n\nChannel 1: Marco. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And they\n\nChannel 1: Yeah.\n\nChannel 0: put\n\nChannel 1: Uh-huh.\n\nChannel 0: about 2572 in.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So, yeah, perfect. Does that answer that question?\n\nChannel 1: Yeah. It did answers\n\nChannel 0: Yeah.\n\nChannel 1: the question that, yeah, there has been no contributions made\n\nChannel 0: Yeah.\n\nChannel 1: since April 2025. So that's nearly\n\nChannel 0: Correct.\n\nChannel 1: the year. Yeah. It's\n\nChannel 0: Yes.\n\nChannel 1: April\n\nChannel 0: Yep.\n\nChannel 1: 2026. Yeah. Yeah.\n\nChannel 0: Yep. Perfect. Now going back to the email,\n\nChannel 1: Mhmm.\n\nChannel 0: you should see let me see here. Also, your insurances. So you have insurance with one part, and you have life and total permanent disability insurance, and that is $297,124. Are you still happy with the level of cover for life and KPD if something were to happen?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So that's what I would that's what would be paired out to, obviously, a family or my next or my whoever I put into the will.\n\nChannel 0: Dominate.\n\nChannel 1: Is that or no?\n\nChannel 0: Correct.\n\nChannel 1: Is that\n\nChannel 0: Yes.\n\nChannel 1: just\n\nChannel 0: For\n\nChannel 1: a\n\nChannel 0: life\n\nChannel 1: personal injury or that's no. Just complete\n\nChannel 0: two separate.\n\nChannel 1: life over.\n\nChannel 0: Sorry. Two separate. So you have one life, and that is yep. If something were to happen to you, whoever you nominate on the forms and in the will will get two\n\nChannel 1: Yeah.\n\nChannel 0: 197,000.\n\nChannel 1: Yeah.\n\nChannel 0: You also have a total permanent disability. So that is if something happened to you and you can never go back to work again, that is paid to you. So that is 297. Sorry. There's two.\n\nSo one for the injury and then one for life. Yep.\n\nChannel 1: Okay. Yeah. Yeah. So\n\nChannel 0: Now\n\nChannel 1: regardless of when that happens, that's what that's what has to be paid out. Yeah. That's what\n\nChannel 0: correct.\n\nChannel 1: by law,\n\nChannel 0: That's\n\nChannel 1: has to be paid out.\n\nChannel 0: that is what you are paying for for the insurances, so the insurance will pay that. Yes.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. And\n\nChannel 1: Yep.\n\nChannel 0: that is why it's good for those forms on the will because that means also so if something were to happen to you as well, your super will also be paid out. So your family would get that life policy of almost 300,000 plus your super balance of 87,000.\n\nChannel 1: Mhmm. Yeah. Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now you also have an income protection policy. Now this one here will pay you a monthly amount of 4,098. You have a thirty day waiting period and a six year benefit period. Now with the income protection because, obviously, your income has changed quite a bit.\n\nChannel 1: Yeah.\n\nChannel 0: With income protection, now it can cover you for up to 70% of your income. So, obviously, you could, at the moment, be covered for more if something were to happen. It doesn't mean you have to do it if you're okay with what you are currently paying for, but you could potentially be eligible for it. What\n\nChannel 1: Yeah.\n\nChannel 0: I do want to kind of let you know as well is that especially when it comes to kind of sole traders and stuff as well or when you more so when you move into a business point of view. If you have\n\nChannel 1: Yeah.\n\nChannel 0: people working for you and you continue to make money even though you're not working, the insurance could potentially offset that as well. So something to be mindful of when you get through that point. But at the moment, if it's just you working and if something were to happen to you and you can't work tomorrow, you will not earn an income, then you would still be able to get paid out.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now with the\n\nChannel 1: So in terms of my income protection,\n\nChannel 0: mhmm. Yes.\n\nChannel 1: so if I were to go to work for how long would it be or that I would start receiving the benefits? So\n\nChannel 0: Yes.\n\nChannel 1: if that so roughly, what's 4,000 a month is, like, roughly, you said speak about 900 a week.\n\nChannel 0: So 4,098. Now it will be taxed when it comes out as well. So you will\n\nChannel 1: Yeah.\n\nChannel 0: pay tax on the amount based on your marginal tax rate. So it depends what your income is before going on claim and how much tax you pay, so it will be a little bit less.\n\nChannel 1: But how long would I have to be out of, like, work\n\nChannel 0: Yep.\n\nChannel 1: to repeat\n\nChannel 0: So\n\nChannel 1: that benefit?\n\nChannel 0: thirty days.\n\nChannel 1: Thirty days. Okay.\n\nChannel 0: Yes. Now the good thing with OnePath is that aside from OnePath and in, and Zurich, they are the only insurer who pays a claim. So you have to wait the thirty days, but then also\n\nChannel 1: Yeah.\n\nChannel 0: it's paid in arrears. So it's usually paid, like, behind. Now all the other insurers pay thirty days in behind. So that would mean when you have thirty days waiting, it will you will get the benefit after sixty days. One\n\nChannel 1: Yeah.\n\nChannel 0: pass has a little bit better, which they only have to wait fifteen days. So if something were\n\nChannel 1: Yeah.\n\nChannel 0: to happen and you're off work, it will mean you have to be off work for thirty days. And then after about two weeks, you will then start getting that monthly replay income replacement.\n\nChannel 1: Okay. Yeah. Yeah.\n\nChannel 0: So it's a little bit better. And OnePath is unique as well in that they have six years, whereas other insurers typically have five years. So\n\nChannel 1: Yeah.\n\nChannel 0: if something were to happen and you are eligible, you could get that monthly benefit paid for up to six years.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. Are you happy with how your income protection is at the moment with how much you are covered for?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: Well, if that was to grow, what would I need to if I was to if that was to grow a little bit more as in terms of what I would be making if I\n\nChannel 0: Mhmm.\n\nChannel 1: was to if if I wasn't working,\n\nChannel 0: Yep. Yes.\n\nChannel 1: or there was a period where I wasn't working and\n\nChannel 0: Mhmm.\n\nChannel 1: started to work.\n\nChannel 0: Yep.\n\nChannel 1: What is there a what\n\nChannel 0: So how the\n\nChannel 1: What?\n\nChannel 0: income protection work is assessing 70% of your income at the time of claim. So if your income fluctuates quite a bit, it is something to be mindful of because how it works is, let's say, you earned a 180,000 last financial year. That\n\nChannel 1: Yeah.\n\nChannel 0: would mean that you technically could have an income protection policy that would pay you 10,500 a month. Now, obviously, increasing to that will cost a lot more as well because you are getting a more benefit if something were to happen. But let's say we go and increase it and you are covered for 10,000, and let's say next financial year, you earn, let's say, a 120,000,\n\nChannel 1: Yeah.\n\nChannel 0: even though you are covered for or paying for up to 10,000, because your income when you were to go on claim is less, you would only be eligible to receive 7,000 even though you're paying for\n\nChannel 1: Yeah.\n\nChannel 0: more because your income has gone down.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: So it's\n\nChannel 1: It\n\nChannel 0: quite\n\nChannel 1: does. Yeah.\n\nChannel 0: fluctuating.\n\nChannel 1: But the current\n\nChannel 0: Yeah.\n\nChannel 1: the current income that I made in the last year that\n\nChannel 0: Mhmm.\n\nChannel 1: I I would if that continued, I'd be able to it I could go to a point where I'd be making $10 per month if I was at work for a thirty day period.\n\nChannel 0: Correct. We could increase it.\n\nChannel 1: Yeah.\n\nChannel 0: However, the process would be if you wanted to increase it, it would mean that the insurance premium so at the moment, you can see there in front of you for life TPD and income participation the way that it is currently. After the tax\n\nChannel 1: Yeah.\n\nChannel 0: rebate, it's 2,880. Now if we increase it to, let's say, 10,000 a month, and often they would need especially for sole traders, they need two years worth of income to assess your income\n\nChannel 1: Yeah.\n\nChannel 0: for how much you're covered for. But let's say that you you have\n\nChannel 1: Yeah.\n\nChannel 0: earned a 180 for the last two financial years. If we increase how much you would receive on a monthly basis, it's going to make the cost a lot more.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Understood.\n\nChannel 0: Yeah. So, obviously,\n\nChannel 1: So\n\nChannel 0: as well,\n\nChannel 1: how much\n\nChannel 0: if you\n\nChannel 1: of\n\nChannel 0: do\n\nChannel 1: how much of amount a month the or what or how much of would I have to give to you guys to be up that level? Or\n\nChannel 0: So\n\nChannel 1: how\n\nChannel 0: it\n\nChannel 1: much\n\nChannel 0: would\n\nChannel 1: would\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: to it would be to the insurer. So they would they would have the policy. So it would be cost\n\nChannel 1: for the insurance\n\nChannel 0: you just pay\n\nChannel 1: price?\n\nChannel 0: the yeah. You pay the insurer directly. So it would be more. Now to go about quoting it, it's a bit of a process because\n\nChannel 1: Yeah.\n\nChannel 0: it's very tailored and specific to you. So\n\nChannel 1: Yeah.\n\nChannel 0: what the process is is if, let's say, you wanted to look at increasing the cover, we would because the insurance will reassess risk and everything like that again. So we would have to go through another pre assessment\n\nChannel 1: Mhmm.\n\nChannel 0: with you. So going\n\nChannel 1: Oh, yeah.\n\nChannel 0: through quite extensive, you know, that medicals and lifestyle and occupation.\n\nChannel 1: Mhmm.\n\nChannel 0: From\n\nChannel 1: Yeah.\n\nChannel 0: that, I will send that information through the insurer, and they would then let me know quote an outcome.\n\nChannel 1: Yeah.\n\nChannel 0: So because\n\nChannel 1: Okay.\n\nChannel 0: it's tailored to you. So it is a bit of a process. But if it is something that you want us to do, we could go through that.\n\nChannel 1: Yeah. You\n\nChannel 0: It's\n\nChannel 1: could go\n\nChannel 0: up\n\nChannel 1: through\n\nChannel 0: to\n\nChannel 1: it.\n\nChannel 0: you.\n\nChannel 1: It doesn't mean that I'm making any contributions just yet, but it it would mean that I would have more information as to what\n\nChannel 0: Yes. How what\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: would\n\nChannel 0: would\n\nChannel 1: need\n\nChannel 0: look\n\nChannel 1: to do.\n\nChannel 0: like. Yeah.\n\nChannel 1: So yeah. That\n\nChannel 0: Now\n\nChannel 1: would be a good good plan.\n\nChannel 0: yeah. Perfect. Now with your income, you said, obviously, you're on track for a 180,000 this year.\n\nChannel 1: Let's think,\n\nChannel 0: Do\n\nChannel 1: well, that could have been $1.70, maybe. I'd have to check with my accountant.\n\nChannel 0: okay. So what we can do is that I can book you in for that pre assessment, and that will be with my colleague Whitlam. For that\n\nChannel 1: Yeah.\n\nChannel 0: conversation, if you could have your income for this financial year and last financial\n\nChannel 1: Yeah.\n\nChannel 0: year at hand, that will be good.\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Now when it comes through the benefit, so having\n\nChannel 1: Mhmm.\n\nChannel 0: the six years, are you still happy with the six years, or do you wanna look at alternative options?\n\nChannel 1: How what? Sorry?\n\nChannel 0: So getting paid for for six years. So how long you can receive the the monthly amount for?\n\nChannel 1: Yeah. Yeah. Six\n\nChannel 0: You\n\nChannel 1: years.\n\nChannel 0: happy with six? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And are you happy with that shorter waiting period of just the thirty days? Are you happy with with\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: fine. Yeah.\n\nChannel 0: Okay. Beautiful. And you are still happy with life and TPD as is? It's mainly just looking at increasing your income protection?\n\nChannel 1: Yeah. Yeah. Just just\n\nChannel 0: Yep.\n\nChannel 1: happy to looking at it to see\n\nChannel 0: Yep.\n\nChannel 1: where the avenue leads me and if I was to be out of work. Is that is\n\nChannel 0: Yeah.\n\nChannel 1: that are the work due to any circumstances?\n\nChannel 0: No.\n\nChannel 1: Is it\n\nChannel 0: Or only\n\nChannel 1: what\n\nChannel 0: due\n\nChannel 1: are the\n\nChannel 0: to\n\nChannel 1: circumstances\n\nChannel 0: illness.\n\nChannel 1: there?\n\nChannel 0: Yeah. So it's only due to illness or accident. So if\n\nChannel 1: Okay.\n\nChannel 0: something were to happen and let's say\n\nChannel 1: So say I was to say I was to have an injury or something or\n\nChannel 0: yes.\n\nChannel 1: and I was, like, in work for that period of time, and I would be able to receive that.\n\nChannel 0: Correct. Yes. So if\n\nChannel 1: Yeah.\n\nChannel 0: you have an an accident\n\nChannel 1: Yeah.\n\nChannel 0: or an illness or anything that prevents you from working.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: that can happen\n\nChannel 1: Or\n\nChannel 0: anywhere. So\n\nChannel 1: or sickness or or\n\nChannel 0: Correct.\n\nChannel 1: or maybe or mental health, whatever it\n\nChannel 0: Correct.\n\nChannel 1: may be.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Now what the insurance will also do is any preexisting condition,\n\nChannel 1: Yeah.\n\nChannel 0: they will exclude. So that is something to be mindful of. If there is any preexisting condition, so let's say mental health, for example, because that happened after this policy was first taken out, on a new policy, it very much could mean that they will not cover mental health because that is a preexisting condition. So what the insurers\n\nChannel 1: So\n\nChannel 0: do\n\nChannel 1: now but now is is is would that be covered now at this present\n\nChannel 0: Correct.\n\nChannel 1: moment? No.\n\nChannel 0: Correct. Yeah. Because you you had it were you diagnosed in 2024?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Now let me just triple check here for you when your policy was put in force. So just bear with me.\n\nChannel 1: Well, I don't know if I'd mentioned the ADHD. That might have been 2024, I think. Might ADHD have\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: So I have here\n\nChannel 1: So\n\nChannel 0: the ADHD was\n\nChannel 1: or\n\nChannel 0: around\n\nChannel 1: major\n\nChannel 0: twenty twenty\n\nChannel 1: depression.\n\nChannel 0: four. Yeah. Now let me because I do have your application here is when we put your policy in force in December 2022.\n\nChannel 1: Yeah.\n\nChannel 0: So let me just triple check that for you while I have it open. So, obviously, in 2024, if you had no mental health or ADHD or nothing like that, it will mean that\n\nChannel 1: Mhmm.\n\nChannel 0: you are covered. So if something were to happen tomorrow, let's say\n\nChannel 1: Yep.\n\nChannel 0: mental health, not great, and you need to take time off work because of it, you are currently covered if that's the case. On\n\nChannel 1: Yeah.\n\nChannel 0: a new policy, what the insurers most likely will do when there's anything because mental health is so common.\n\nChannel 1: Yeah.\n\nChannel 0: So many\n\nChannel 1: Well,\n\nChannel 0: people\n\nChannel 1: no. I'll obviously\n\nChannel 0: nowadays\n\nChannel 1: have to get a letter from my doctor or psychologist, whichever.\n\nChannel 0: yeah.\n\nChannel 1: Maybe.\n\nChannel 0: So yeah. So what would happen on a new policy that we were to take out is that what the insurers are gonna do, because their job is just to assess risk. So all they look at is\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: like a paper of what the risk is of you claiming. So if there\n\nChannel 1: Yep.\n\nChannel 0: is anything preexisting, they will be well, we are not covering this because there's a higher chance of you claiming on it.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: yeah. Yeah.\n\nChannel 0: that that is kind of the the risk. Now let me have a look here. We did have anxiety\n\nChannel 1: Yeah.\n\nChannel 0: listed on the form.\n\nChannel 1: Yeah.\n\nChannel 0: Let me see here. No time of work. Let's see. No. That all looks good.\n\nLet me have a look here in the portal for you to see if I can see it as well. No. So you do not have a exclusion. So what would happen at the moment is that you would be covered for mental health on your current policy, which is good. That's\n\nChannel 1: Yeah.\n\nChannel 0: good. We took it out early. So on a new one, they could say we're not covering it.\n\nChannel 1: Oh, yeah. Because\n\nChannel 0: So so\n\nChannel 1: of the\n\nChannel 0: that\n\nChannel 1: higher because it's off yeah. Because of the higher\n\nChannel 0: correct.\n\nChannel 1: if I were to go for the higher insurance policy or the the\n\nChannel 0: Correct.\n\nChannel 1: higher income protection policy. Sorry. Yeah.\n\nChannel 0: Correct. Sorry.\n\nChannel 1: I understand. So it may just be the the the it may just be a case of the if anything. Yeah. I understand. It only\n\nChannel 0: Yeah.\n\nChannel 1: sort of physical if it was physical sickness or something like that that would would let let me that that way then. Yeah. Yeah.\n\nChannel 0: Correct.\n\nChannel 1: I understand.\n\nChannel 0: Or if\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Or if it was some something else. Like, if if you\n\nChannel 1: Yeah.\n\nChannel 0: broke\n\nChannel 1: But if\n\nChannel 0: your\n\nChannel 1: it\n\nChannel 0: leg\n\nChannel 1: was the\n\nChannel 0: and\n\nChannel 1: amount\n\nChannel 0: you put\n\nChannel 1: that it was\n\nChannel 0: it where\n\nChannel 1: the amount that has thing, it'd be just the 4,000 a month or whatever it would be after thirty days if nothing has changed. Or\n\nChannel 0: Correct.\n\nChannel 1: yeah.\n\nChannel 0: If\n\nChannel 1: Yeah.\n\nChannel 0: we were to keep that policy so when you rewrite a policy, we can either replace the one we have right now, which we would not want to do if you are covered for mental health. We wanna keep that in place. So\n\nChannel 1: Yeah.\n\nChannel 0: you can look at, like, a top up amount, but the top up amount will most likely have the mental health exclusion.\n\nChannel 1: Yeah.\n\nChannel 0: Are you still wanting to go down there looking at increasing it, or or what are your thoughts?\n\nChannel 1: Well, I I can I can go down looking at\n\nChannel 0: Yep.\n\nChannel 1: information and see where I am in terms\n\nChannel 0: Yes.\n\nChannel 1: of what what we spoke about?\n\nChannel 0: Yes. Yep.\n\nChannel 1: But then\n\nChannel 0: And then\n\nChannel 1: I'd\n\nChannel 0: you can decide.\n\nChannel 1: be down to me to send documents to say that, yeah,\n\nChannel 0: Correct.\n\nChannel 1: I'm I'm happy to go ahead with this. Yeah. But\n\nChannel 0: Correct.\n\nChannel 1: get me information and and\n\nChannel 0: And\n\nChannel 1: see\n\nChannel 0: then\n\nChannel 1: him on a\n\nChannel 0: we'll\n\nChannel 1: on on\n\nChannel 0: take\n\nChannel 1: just,\n\nChannel 0: it.\n\nChannel 1: yeah, just\n\nChannel 0: Yes.\n\nChannel 1: livelihoods\n\nChannel 0: Okay. What\n\nChannel 1: point of\n\nChannel 0: it will\n\nChannel 1: view.\n\nChannel 0: be? Yeah. Of\n\nChannel 1: Yeah.\n\nChannel 0: course. So what I will do is I will book you in, like I said, with my colleague, Whitlam. He will go through a couple of questionnaires and stuff with you. After that appointment, he will then pass it on to me. I will have a review of it, and I will go and speak to the insurance.\n\nAs soon as I've heard back from the insurance, I would give you a call with the outcome, and then you can let me know what you would like to do. So when is a good time for you to go through that questionnaire?\n\nChannel 1: Yeah. I'm hoping to get a week off soon, so maybe in the next week or two, maybe you could just touch base with me again maybe next week, the middle of next week, and see Tuesday\n\nChannel 0: When it's a\n\nChannel 1: maybe\n\nChannel 0: good time?\n\nChannel 1: or Wednesday to see where\n\nChannel 0: Okay.\n\nChannel 1: I'm at.\n\nChannel 0: Okay. Well,\n\nChannel 1: Just\n\nChannel 0: I will.\n\nChannel 1: a quick phone call about eleven. Eleven\n\nChannel 0: Yep.\n\nChannel 1: is\n\nChannel 0: Alright.\n\nChannel 1: probably the best time to get me because that's\n\nChannel 0: The best time.\n\nChannel 1: especially when I'm working because that's me. Or, sorry, 10:30 is really the best\n\nChannel 0: Ten\n\nChannel 1: time\n\nChannel 0: thirty?\n\nChannel 1: to get me because that's when I work. I get my break. Yeah.\n\nChannel 0: Okay. Well, I will put in a little call here. So on Tuesday, June 2, for\n\nChannel 1: Yeah.\n\nChannel 0: Whitlam to give you a call at 10:30 to check-in your schedule.\n\nChannel 1: Yeah.\n\nChannel 0: If you have if you have time then, you could potentially go through the questionnaire. If you don't have time then, he can\n\nChannel 1: Yeah.\n\nChannel 0: then book you in for when you have a little bit more time.\n\nChannel 1: Yeah. That's it. Yeah.\n\nChannel 0: Yeah?\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: I will put put that in. And on Tuesday for that call, if you could have the incoming information, that would be good. If you can't,\n\nChannel 1: Yeah.\n\nChannel 0: that's okay. I will just need it before I speak to the insurer.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Oh, that's alright.\n\nChannel 0: Perfect. So that is booked in just for a bit of a quick call anyway on Tuesday, June 2 at 10:30 just to touch base to see how things are looking for you with time.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: No. That's alright.\n\nChannel 1: The other question that I wanted to ask was with you know, obviously, we we touched base on the biz me starting a business fifteen months ago. Obviously, it's\n\nChannel 0: Mhmm.\n\nChannel 1: just the sole trader and and may I go PTOI. I'm not sure.\n\nChannel 0: Mhmm.\n\nChannel 1: The other question that I wanted to ask in terms of, say, like, your tax\n\nChannel 0: Mhmm.\n\nChannel 1: and stuff like that, is there options to make it that we like, I can pay our boss or whatever it may or tax, whatever it may be that I could pay through that through my super or no?\n\nChannel 0: The tax, do you mean?\n\nChannel 1: Yeah.\n\nChannel 0: Unfortunately, not.\n\nChannel 1: Okay. That's a separate. Yeah.\n\nChannel 0: Yeah. That is that is separate. Now\n\nChannel 1: Yeah.\n\nChannel 0: with the income protection, though, I do wanna let you know as well. So at the moment, you have it paid from super, which means you don't pay for anything out of pocket. Now you can have income protection paid outside, which would mean that you would pay for it yourself, but you do get a tax deduction on the premium. So sometimes business owners like that, but it also means that you would have to pay for it yourself. So it does depend on cash flow and budget and stuff like that.\n\nChannel 1: Yeah. So what you're saying? Sorry. So for the business,\n\nChannel 0: So\n\nChannel 1: obviously\n\nChannel 0: for your income protection, so the one we are looking at increasing for you,\n\nChannel 1: Yeah.\n\nChannel 0: you can pay for that either out of pocket, so from your bank account,\n\nChannel 1: Yeah.\n\nChannel 0: or for a super the way that you currently have it. So,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, the way that it's currently structured is that you don't actually have to pay for it yourself. It just comes it comes out of super.\n\nChannel 1: Yeah.\n\nChannel 0: So it doesn't impact your cash flow. Now\n\nChannel 1: Yeah.\n\nChannel 0: you can have it paid from your pack cash flow. And if you do, you will get a tax deduction on the premium. So you could use that at your tax return to claim a bit of tax back.\n\nChannel 1: Okay.\n\nChannel 0: But it\n\nChannel 1: Yeah.\n\nChannel 0: will but it will mean that you would have to pay, obviously, more yourself from a cash flow point of view.\n\nChannel 1: Yeah. Well,\n\nChannel 0: So\n\nChannel 1: maybe that's something that I could discuss with whoever you appoint\n\nChannel 0: yes.\n\nChannel 1: me with\n\nChannel 0: Yes. Sorry.\n\nChannel 1: in the\n\nChannel 0: That\n\nChannel 1: next\n\nChannel 0: that\n\nChannel 1: in the next when whenever whenever they say to well, obviously, I wanna get the information about what\n\nChannel 0: Yes.\n\nChannel 1: benefits they would have from doing all this. But\n\nChannel 0: And then we can see you. Yep.\n\nChannel 1: in terms of signing it over and saying, yeah, that's what we agree on, then, yeah, that's different.\n\nChannel 0: Yes. That's fine.\n\nChannel 1: Yeah.\n\nChannel 0: Well, we can definitely reassess that. Now not too much to go left before I let you go and enjoy your afternoon, but there is a couple of more documents I do want to just quickly run through with you.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. Back to the email, can you see the next one after that superann insurance summary? Can you see one where it says twelve months hub 24, like, performance\n\nChannel 1: Hold on a\n\nChannel 0: with\n\nChannel 1: second. I just\n\nChannel 0: IRR.\n\nChannel 1: wanna go into yeah. Is this on the same document that with the\n\nChannel 0: Correct.\n\nChannel 1: CEDIS or different? Yeah.\n\nChannel 0: It's yeah. It's\n\nChannel 1: I'll\n\nChannel 0: on\n\nChannel 1: just\n\nChannel 0: the\n\nChannel 1: go\n\nChannel 0: same\n\nChannel 1: into\n\nChannel 0: money.\n\nChannel 1: next page, is it?\n\nChannel 0: Yes, please. Yep.\n\nChannel 1: Okay. Yeah. Yeah. I'm on the hub 24. Yeah.\n\nChannel 0: Yep. Now this one here gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months. So your\n\nChannel 1: Yeah.\n\nChannel 0: investments. So you probably have obviously seen the news and and heard that last twelve months, there's obviously been quite a bit of fluctuation in the market. First, we\n\nChannel 1: Yeah.\n\nChannel 0: obviously had everything going on with The US. So you had, you know, Trump and tariffs and everything, which saw a bit of fluctuation in the market in the short term. And then more recently, obviously, everything going on with the war has seen a bit of fluctuation in the market. So it's been a little bit more turbulent twelve months because of everything going on the last twelve months.\n\nChannel 1: Yeah.\n\nChannel 0: Despite despite all of that, though, your portfolio has still done pretty good, which is great. So after fees and this is also considering you haven't had any contributions from the employer come in during this time. So you haven't had any extra money go in.\n\nChannel 1: Yeah.\n\nChannel 0: So this is from from May to May. It's still done pretty good. Now this\n\nChannel 1: Okay.\n\nChannel 0: all shows after fees as well, and it shows us that your portfolio overall is still up by 8.62% in the last twelve months just from your investments alone, which is pretty good.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Now with your investments, I do want to look at changing one of them for you,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and that is your Benelong Australian equity. That is the only one that has underperformed. Everyone else have done really good. So if you are on the page, the one\n\nChannel 1: Yeah. I am. I am. Yeah. Yeah.\n\nYeah. I\n\nChannel 0: yeah.\n\nChannel 1: am.\n\nChannel 0: So so on the second column to the right, can you see where it says internal rate of return and a, like, a percentage?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Now the one in bracket, so the first one, that is down. All the others are doing good. Can you see that? So when it has a bracket next to it, it means that it's down a little bit.\n\nAll the\n\nChannel 1: From\n\nChannel 0: others\n\nChannel 1: the previous\n\nChannel 0: are\n\nChannel 1: year\n\nChannel 0: up.\n\nChannel 1: or from what?\n\nChannel 0: Correct. So in the last twelve months.\n\nChannel 1: Okay. So what was the\n\nChannel 0: Yeah.\n\nChannel 1: what was the percentage before that? It says 18.87.\n\nChannel 0: Yeah. So that is in the last twelve months.\n\nChannel 1: So what it was what what how much has it dropped in terms\n\nChannel 0: Sorry.\n\nChannel 1: of percentage?\n\nChannel 0: Yeah. So that is only a small portion of your portfolio, though. So even though that one has dropped, you can see that all the others have grown a lot.\n\nChannel 1: Yeah. But I mean, what I'm trying to say is how much has it dropped? What percentage that that been along Australian equities fund?\n\nChannel 0: Yeah. So in the last twelve months, it is down by 18.87.\n\nChannel 1: Yeah. Okay. Fuck. That's quite a lot.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So I would like to look at changing that. Now sometimes when investments are down, it could be just because of a a market cycle. So sometimes the market goes through different cycles where some investments are doing better, others are doing\n\nChannel 1: Yeah.\n\nChannel 0: worse, and it comes back around. It's kind of a cycle.\n\nChannel 1: Yeah.\n\nChannel 0: We've been along we we always do a lot of research on the investments, and we've been along even though they were one of the best performing fund managers have done really well, more recently,\n\nChannel 1: Yeah.\n\nChannel 0: they've been a bit slower in making the investment decision. And\n\nChannel 1: Okay.\n\nChannel 0: if we feel\n\nChannel 1: Yeah.\n\nChannel 0: like it's not going to be the best option for you moving forward, we want to look at an alternative option that is going to put you in a better position. So\n\nChannel 1: Yeah.\n\nChannel 0: we've done a lot of research on the Bennelong investment, and we have found the investment committee have found another option that we would like to look at changing it for you, and\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: What\n\nChannel 0: is\n\nChannel 1: yeah.\n\nChannel 0: called\n\nChannel 1: What what what would you suggest?\n\nChannel 0: yep. So that would be your beta\n\nChannel 1: And\n\nChannel 0: shares a 200, it's called.\n\nChannel 1: and the shares. Yeah.\n\nChannel 0: Yep. Now because the Benelon Australian Equities invest in Australian equities or Australian companies, we wanna\n\nChannel 1: Yeah.\n\nChannel 0: make sure that your portfolio overall is very diversified. So if we take out an Australian investment, we wanna look at changing it for another Australian investment because you still have quite a good of exposure to the globe in other investments, but\n\nChannel 1: Yeah.\n\nChannel 0: we wanna make sure you have some in Australia as well. So\n\nChannel 1: Yeah.\n\nChannel 0: the banner the BetaShares a two hundred is investing in the 200 largest companies in Australia. So very diversified for you. So you'll have all the the banks and Woolworths and all the big companies, BHB, in there. So, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: very diversified. And that one has performed better than Benelon, but it's also a bit cheaper because\n\nChannel 1: Yeah.\n\nChannel 0: how that one is different is that it tracks the 200 largest. So as the company grows and gets bigger, it gets added\n\nChannel 1: Yeah.\n\nChannel 0: to the 200 and something smaller comes out. The Bennelong is a little bit different that it is a managed fund. So their focus is to actively buy and sell different investments in order\n\nChannel 1: Yeah.\n\nChannel 0: to kinda outperform the market. And sometimes that\n\nChannel 1: Yeah.\n\nChannel 0: really works, and other times if they take a bet on something, it might not work out. So it can see a bit of more fluctuations as a result.\n\nChannel 1: Yeah.\n\nChannel 0: So like I said, the investment committee have done a lot of research on the Bennelong investments and found a a good option, which is the beta shift a 200 just to swap it out for you\n\nChannel 1: Yeah. I think so.\n\nChannel 0: to\n\nChannel 1: You just do\n\nChannel 0: improve\n\nChannel 1: that.\n\nChannel 0: yeah. So what I can do is I will if you're happy with that, I can send you\n\nChannel 1: Copy.\n\nChannel 0: a document. Perfect. You don't need to sign it, but it is called a record of advice. It is just for\n\nChannel 1: Yeah.\n\nChannel 0: your reference. I will email that through to you and then\n\nChannel 1: Yeah.\n\nChannel 0: probably early next week just\n\nChannel 1: Yeah.\n\nChannel 0: to let you know that we have done that one change for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's fine.\n\nChannel 0: Perfect. Now, otherwise, back to the email.\n\nChannel 1: Yeah. To the next three,\n\nChannel 0: Yes.\n\nChannel 1: number three, or\n\nChannel 0: Yes, please. What can you\n\nChannel 1: all\n\nChannel 0: see\n\nChannel 1: that cert\n\nChannel 0: there?\n\nChannel 1: certificate or certificate of currency, one path.\n\nChannel 0: Yes. Correct.\n\nChannel 1: Okay.\n\nChannel 0: Now you can kind of skip that one because it just talks about your insurances again, which we've kind\n\nChannel 1: Okay.\n\nChannel 0: of already touched on. And then\n\nChannel 1: Yeah.\n\nChannel 0: do you have a Vanguard\n\nChannel 1: The graph.\n\nChannel 0: index chart next? Yes. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So this one here, you probably have seen before, but it did it is a good visual representation of what we are talking about when we are talking about the market. Basically,\n\nChannel 1: Yeah.\n\nChannel 0: you can see here, a long term position. So you can see the long term market always goes up, short term ups and downs and market fluctuations depending on what is going on in the world. Now\n\nChannel 1: Yeah.\n\nChannel 0: how your money is currently invested as well is that we have you in a growth portfolio. Now growth portfolio and growth investors are typically people who are wanting to grow their super as much as possible while you\n\nChannel 1: Yeah.\n\nChannel 0: still have plenty of time until retirement.\n\nChannel 1: Yeah.\n\nChannel 0: We're also comfortable seeing some of those short term fluctuation in order to try to grow it in the long term.\n\nChannel 1: Yeah.\n\nChannel 0: Now with a growth portfolio as well, we also want to make sure that you have enough time in the market for these kind of fluctuations to come back around. And\n\nChannel 1: Yeah.\n\nChannel 0: we want to typically see at least six years until retirement in a growth portfolio. So\n\nChannel 1: Yeah.\n\nChannel 0: from a growth portfolio point of view from a time frame point of view, you still have plenty of time in that portfolio if you are\n\nChannel 1: Yeah.\n\nChannel 0: kind of happy with the level of risk and everything that you currently have.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. Now just for your reference as well, you can see that how a growth portfolio is invested is that we have about 80% invested in your top four here. So you can see your US shares, which is, like, the light green one, your\n\nChannel 1: Yeah.\n\nChannel 0: Australian shares, which is, like, your dark green one, international\n\nChannel 1: Yeah.\n\nChannel 0: shares, which is, like, your yellow, and then the property, which is, like, your maroon color. Now these\n\nChannel 1: Yeah.\n\nChannel 0: are the ones grows the most, also fluctuates the most. You have then 20% in those bottom three. So these are the ones that you can see that don't grow near as much. They kind of are a bit more stable. So we wanna have\n\nChannel 1: Yeah.\n\nChannel 0: some of that component as well because we don't want too much of that ups and down at the same time. So that is kind of how that is at the moment for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now the if you click next for me, it is a financial services guide. You would have seen this one before. It's just just one of those compliance forms.\n\nNone of the important information has changed. And if you can then scroll to after page three of that document, it should take you to one where it says OQ services guide.\n\nChannel 1: Okay.\n\nChannel 0: Can you see where I'm at?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now this one here, again, it is another compliance form. It's one you would have seen every 100 of you. It is just a bit of an updated version. Again, none of the important information has changed, but we've had a bit of an extension through the team, which is great, and a bit of update to marketing.\n\nSo as you scroll through this document, and if you do, want to put a face to the voice and see who you are talking with today, if you want to scroll down to page 10 of this document, you will then see a photo of myself. And sometimes it is nice to put a face to the voice if we're not catching up face to face.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. Now as you then kind of keep scrolling through, you will see the team. I'll let you kind of have a read over this in your own time. And that should then take you through one that's called a option to provide tax file number.\n\nChannel 1: Option to provide fax number. Is that what you're saying?\n\nChannel 0: Yes. Perfect. Now this is another compliance form, but, basically,\n\nChannel 1: Oh, what's this?\n\nChannel 0: it\n\nChannel 1: Is\n\nChannel 0: just\n\nChannel 1: this what is this in the same page or at the bottom?\n\nChannel 0: at the bottom, you can there should be a little signature box for you to sign.\n\nChannel 1: On the same page as what shows where you are or\n\nChannel 0: Later. So if you kind\n\nChannel 1: oh,\n\nChannel 0: of\n\nChannel 1: this\n\nChannel 0: so\n\nChannel 1: this seven?\n\nChannel 0: so keep scrolling in that document. You will get to the end of it, which is then page 19. And if you press next\n\nChannel 1: Age 19. Next document. Oh, yeah.\n\nChannel 0: next document. Yes. Can you see that now?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Now this one here will ask for your signature, and it is just a compliance form. And just to let you know that we are keeping your tax file number\n\nChannel 1: Yeah.\n\nChannel 0: secure and safe on file. So it will\n\nChannel 1: Yeah.\n\nChannel 0: ask you for a little signature and a date there.\n\nChannel 1: Yeah. That's already yeah. Same.\n\nChannel 0: Yep. Perfect. And then the next one, which is\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: The dates\n\nChannel 0: last\n\nChannel 1: what\n\nChannel 0: document,\n\nChannel 1: dates is it today? Sorry. I didn't sign\n\nChannel 0: twenty eighth twenty eighth of May.\n\nChannel 1: the date. Oh, hold on. It's already in there.\n\nChannel 0: Yeah.\n\nChannel 1: So next document then, is it?\n\nChannel 0: Yes. Yes. Now this is your last one. Now this one here should say consent to new ongoing fee arrangement with hub twenty four. Can you see that?\n\nChannel 1: Oh, sorry. What is it? Sorry.\n\nChannel 0: The next document, so the last one, does it say at the top consent to new ongoing\n\nChannel 1: Yeah.\n\nChannel 0: fee?\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Now this one here, it is your ongoing service agreement. Now that is just\n\nChannel 1: Yeah.\n\nChannel 0: to say that you are happy to stay on as a client. Now there\n\nChannel 1: Yeah.\n\nChannel 0: is no changes whatsoever in regards to the fee structure that stays exactly the same at one point\n\nChannel 1: Yeah.\n\nChannel 0: $6.05. No changes at all in\n\nChannel 1: Yeah.\n\nChannel 0: regards to that, and\n\nChannel 1: Yeah.\n\nChannel 0: it is not a locking contract. So at any point in time, you are not happy. It is not a locking contract. But by signing this, it allows us to keep servicing your investments and your accounts and insurances and everything for you in the meantime.\n\nChannel 1: Yeah. And\n\nChannel 0: Yep. Perfect.\n\nChannel 1: do you use is there any options for I I know quite quite a number of people, wealthy businessmen, or business people. Is there an\n\nChannel 0: Mhmm.\n\nChannel 1: option for them to go with you guys?\n\nChannel 0: Yes. Yes. Of course. So if you do have someone that you know that would\n\nChannel 1: Yeah.\n\nChannel 0: benefit from our services, and it is a free review. So if it is someone that would be open to having a bit of a chat to us to see if we can help them,\n\nChannel 1: Yeah.\n\nChannel 0: we we can definitely do that. We're always open to speaking to new clients.\n\nChannel 1: You\n\nChannel 0: And\n\nChannel 1: work\n\nChannel 0: if it\n\nChannel 1: on board\n\nChannel 0: is\n\nChannel 1: with investors, like, people who are actually investors themselves?\n\nChannel 0: we take everybody. So we'll have a look at everyone's situation. Now we have we have clients who are investors themselves. We have, you know, lawyers and doctors. We also just have, you know, school teachers, all kinds of things.\n\nMinors\n\nChannel 1: Yeah.\n\nChannel 0: lot of minors, lot of construction workers. So we we have a lot of different clientele, which is great. So if there are clients who are investors themselves that want assistance with super insurance investments or anything like that, or even your, you know, your your everyday person as well who don't do it, we are more than happy to speak through to anyone to see if we can help them. Then, obviously, everyone will have different needs and what they want, and we can then tailor that based on where they're at and what they are after.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Do you have someone in mind, or is there more just\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: I've got\n\nChannel 0: a bit\n\nChannel 1: a\n\nChannel 0: of a\n\nChannel 1: I've\n\nChannel 0: think?\n\nChannel 1: got a I've got a I've got a few people in mind. Actually, I know quite a few people, but, obviously, I I won't mention names because, obviously, that's just as a courtesy of privacy and stuff.\n\nChannel 0: Yes.\n\nChannel 1: But,\n\nChannel 0: And have a chat to them as\n\nChannel 1: yeah,\n\nChannel 0: well because\n\nChannel 1: I've I've got\n\nChannel 0: if\n\nChannel 1: a couple of people that, yeah, that\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: what\n\nChannel 1: feel that they I feel that they started investing in this\n\nChannel 0: yeah.\n\nChannel 1: in Oakley Financial that\n\nChannel 0: Yeah.\n\nChannel 1: it\n\nChannel 0: Could help\n\nChannel 1: would\n\nChannel 0: them.\n\nChannel 1: benefit them quite a lot.\n\nChannel 0: Yeah. So if there is anyone, because we do have a bit of a referral partnership as well, is that if you find someone who are interested and are do sign on board as a client, you will actually get a a gift voucher as well to say thank you. So what I would suggest is that if you do speak to someone and they are happy to have a a complimentary free of charge chat,\n\nChannel 1: Yeah.\n\nChannel 0: ask them to email me, and that would just be veronicawithak@oakviewfinancial.com.au,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and tell them to put your name that you refer them. Because what that means is that if they come on board, then you will get a get a little gift card if we know that you are the one who refer them.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So, yeah, always more than happy to if there is someone, it's complimentary. It's free. Always good to have a bit of a chat to see if we can help them. And\n\nChannel 1: Yeah.\n\nChannel 0: if if not, at least there's a bit of information hopefully for them, and hopefully, we can also help them and and put them in a better position irrespective of where they are and and what they want and what they need.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Now, Barry, I can see that that document has come through, which is great. So I will let the team, know, and we will get that all sorted for you. Now, basically,\n\nChannel 1: Yeah.\n\nChannel 0: from here, as a bit of a recap, I will also get the team next week to email you those beneficiary forms for your super and insurances for your family. I will also send you that ROA, the record of advice to show you that one investment change we\n\nChannel 1: Yeah.\n\nChannel 0: spoke about. And\n\nChannel 1: Yeah.\n\nChannel 0: then on Tuesday, at 10:30, Whitlam will give you a bit of a call to see how you're going for time and then look at investigating that insurance policy for you in a little bit more detail.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Now do you have any other questions for me before I let you go and enjoy the rest of your evening?\n\nChannel 1: No. No. That's fine.\n\nChannel 0: No? Perfect.\n\nChannel 1: I'm quite\n\nChannel 0: If you\n\nChannel 1: happy\n\nChannel 0: think\n\nChannel 1: with\n\nChannel 0: of anything,\n\nChannel 1: what\n\nChannel 0: though\n\nChannel 1: you spoke\n\nChannel 0: no. That's\n\nChannel 1: about\n\nChannel 0: all\n\nChannel 1: so\n\nChannel 0: good.\n\nChannel 1: far.\n\nChannel 0: Yeah. If you do have anything, let me know. Like I said, if you have anyone, more than happy for them to email me. Just let them know to put your details in, just your your first name\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: last name, especially from the conversation today. I'll I'll know that, and we'll see if we can help them as well. But, otherwise, I hope you enjoy the rest of your afternoon there, Barry, and we look forward to speaking with you on Tuesday.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Mhmm.\n\nChannel 1: Thanks for\n\nChannel 0: No problem.\n\nChannel 1: having\n\nChannel 0: We'll no\n\nChannel 1: a\n\nChannel 0: problem. We'll speak\n\nChannel 1: go.\n\nChannel 0: soon.\n\nChannel 1: Sixteen. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Oh, hello?","start":1.76,"end":2.42,"sentiment":"neutral","sentiment_score":0.05714896693825722}],"sentiment":"neutral","sentiment_score":0.05714896693825722,"channel":0,"num_words":2,"start":1.76,"end":2.42},{"sentences":[{"text":"Hi, Vee.","start":3.12,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.13071699813008308},{"text":"I've got Barry on the phone for you.","start":3.6799998,"end":5.7,"sentiment":"neutral","sentiment_score":0.1630900241434574}],"sentiment":"neutral","sentiment_score":0.15661541894078254,"channel":1,"num_words":10,"start":3.12,"end":5.7},{"sentences":[{"text":"Sure thing.","start":6.08,"end":7.06,"sentiment":"neutral","sentiment_score":0.228519506752491},{"text":"Just give me two secs to get it 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you do have anything, let me know.","start":4971.3247,"end":4973.7246,"sentiment":"neutral","sentiment_score":0.182867381721735},{"text":"Like I said, if you have anyone, more than happy for them to email me.","start":4973.7246,"end":4977.185,"sentiment":"neutral","sentiment_score":0.2779826323191325},{"text":"Just let them know to put your details in, just your your first 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from the conversation today.","start":4980.9697,"end":4984.35,"sentiment":"neutral","sentiment_score":0.18635326943227223},{"text":"I'll I'll know that, and we'll see if we can help them as well.","start":4984.4897,"end":4987.77,"sentiment":"neutral","sentiment_score":0.2849970662168094},{"text":"But, otherwise, I hope you enjoy the rest of your afternoon there, Barry, and we look forward to speaking with you on Tuesday.","start":4987.77,"end":4993.9053,"sentiment":"positive","sentiment_score":0.5552888616271641}],"sentiment":"positive","sentiment_score":0.41059262796559115,"channel":0,"num_words":44,"start":4980.9697,"end":4993.9053},{"sentences":[{"text":"Okay.","start":4994.355,"end":4994.755,"sentiment":"positive","sentiment_score":0.3532785475254059},{"text":"Thank 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a customer, seeks to leave a review and is offered a new address and financial adviser. They discuss income and the possibility of working for a contractor, personal financial information, and health insurance coverage. The agent emphasizes updating policies and suggests staying in touch with insurance companies. The agent also emphasizes changing the customer's investment portfolio and referring clients for assistance with insurance investments and other needs. The customer is instructed to sign a compliance form and send beneficiary forms via email. The call ends with the representative offering to follow up on Tuesday."},"intents":{"segments":[{"text":"I've gotta update his address on file. Okay.","start_word":37,"end_word":44,"intents":[{"intent":"Update address","confidence_score":0.59089875}]},{"text":"You still have time to go over the annual review? Mhmm. Yeah.","start_word":179,"end_word":190,"intents":[{"intent":"Review annual review","confidence_score":0.12656733}]},{"text":"number two thing would be maybe being able to self manage super funds and stuff like that. Okay.","start_word":367,"end_word":384,"intents":[{"intent":"Assess super funds","confidence_score":0.0017500747}]},{"text":"just relationship to yourself, just a friend or was it a family connection? Oh, no.","start_word":745,"end_word":759,"intents":[{"intent":"Explain relationship","confidence_score":0.00001502987}]},{"text":"Now contribution wise, because now when you're a sole trader, it's obviously up to you if you are wanting to make contributions. Are you Mhmm.","start_word":1391,"end_word":1415,"intents":[{"intent":"Make contributions","confidence_score":0.08944346}]},{"text":"I would need to inquire about docs. I I Mhmm.","start_word":1417,"end_word":1426,"intents":[{"intent":"Inquire about docs","confidence_score":0.8462029},{"intent":"Inquire about docs","confidence_score":0.11919193}]},{"text":"are you doing anything at the moment, or are you planning on or just kind of seeing how the business Yeah. goes first?","start_word":1444,"end_word":1466,"intents":[{"intent":"Discuss business","confidence_score":0.005487042}]},{"text":"So I've been requested to that the rates to see if we could negotiate rates. So I'm on a lower rate now, so it wouldn't be unless I go PTY and I gotta start getting people to work for Okay.","start_word":1635,"end_word":1674,"intents":[{"intent":"Negotiate rates","confidence_score":0.54596096}]},{"text":"So I'm on a lower rate now, so it wouldn't be unless I go PTY and I gotta start getting people to work for Okay.","start_word":1650,"end_word":1674,"intents":[{"intent":"Request lower rate","confidence_score":0.008474138}]},{"text":"And, obviously, especially with the business and contract and everything, I completely understand that things do fluctuate and Yeah.","start_word":1711,"end_word":1729,"intents":[{"intent":"Evaluate business and accountant","confidence_score":0.000003873916}]},{"text":"Now when it comes to your assets and liabilities, I Mhmm. have here that you have about $5,000 worth of investments, like, personal investments. Is that still the case? Yeah.","start_word":2331,"end_word":2360,"intents":[{"intent":"Address concerns","confidence_score":0.000908889}]},{"text":"So I think you can find good areas. Just kind of if you do go and have a look at some places, I would just kind of have a look around a little bit as well just to make sure it's kind of, like, one of the Yeah. nice nice ones. But it is very good and convenient. It is close to a lot of things. Yeah.","start_word":2817,"end_word":2883,"intents":[{"intent":"Explore options","confidence_score":0.013504189}]},{"text":"what that will mean as well, which your accountant should be able to kind of calculate all of that for you this financial year, is that because you have exceeded the now in through the high income earner, it will mean that if you do not have private health or hospital cover, Yeah.","start_word":3148,"end_word":3200,"intents":[{"intent":"Calculate expenses","confidence_score":0.019288385},{"intent":"Discuss insurance coverage","confidence_score":0.017541425}]},{"text":"And when you do chat to them as well, just they they'll be able to calculate all of that for you and see where you're at and Yeah.","start_word":3494,"end_word":3521,"intents":[{"intent":"Calculate and calculate income","confidence_score":0.07578814}]},{"text":"Otherwise, when it comes to estate planning, do you have a will or anyone who makes any financial decisions on your behalf?","start_word":3555,"end_word":3576,"intents":[{"intent":"Discuss estate planning","confidence_score":0.0062461323}]},{"text":"Now under then the forms that we'll submit to your super fund and your insurance company, do you have access to a printer, or do you Yeah.","start_word":4195,"end_word":4221,"intents":[{"intent":"Submit and submit forms","confidence_score":0.002254143},{"intent":"Obtain access to a printer","confidence_score":0.016942713}]},{"text":"don't know if they're gonna Nice receive and close. it to this to this address because of the but I think they can receive letters. Yeah.","start_word":4237,"end_word":4262,"intents":[{"intent":"Send letters","confidence_score":0.0091924695}]},{"text":"it to this to this address because of the but I think they can receive letters. Yeah.","start_word":4245,"end_word":4261,"intents":[{"intent":"Send letter","confidence_score":0.011382375},{"intent":"Confirm address","confidence_score":0.044764865}]},{"text":"yeah, I can print it out here in the hotel with being not an issue. I've Okay.","start_word":4308,"end_word":4324,"intents":[{"intent":"Print form","confidence_score":0.9690197}]},{"text":"So do you have a c bus account that you opened Yeah.","start_word":4484,"end_word":4495,"intents":[{"intent":"Check cbus account status","confidence_score":0.030747809}]},{"text":"So let me just get, just bear with me. Let me get all this information up for you. Now are you still receiving statements from Cebus?","start_word":4561,"end_word":4586,"intents":[{"intent":"Provide information","confidence_score":0.21485753}]},{"text":"The reason was that when you came on board in 2022, mhmm. you obviously had advice with the director, Sabrina Sarta. And part of the advice was to, obviously, assess your superannuation and Yeah. assess if that was a more suitable option that was going to do a little bit better for you, as well as looking at your comprehensive insurances. Now Yeah.","start_word":4896,"end_word":4958,"intents":[{"intent":"Resolve superannuation issues","confidence_score":0.0046758335}]},{"text":"having a look at that document, because I do have it in front of me as well, obviously, every time we do make a recommendation, there's a lot of research that goes into it to make sure that if we switch your super funds, it is going to put you in a better position.","start_word":4960,"end_word":5013,"intents":[{"intent":"Recommend switching super funds","confidence_score":0.29546642},{"intent":"Update super fund's performance","confidence_score":9.693587e-7}]},{"text":"having a bit of a look at this, it was recommended that you change from CBA to Hub Oh, no.","start_word":5063,"end_word":5082,"intents":[{"intent":"Explain cboca to hub","confidence_score":1.1441218e-7}]},{"text":"It's how much is in my I I know that I changed from Okay. to to Hub Hub 24, twenty but what all I'm asking is the four. You're balanced. my balance. Yeah.","start_word":5098,"end_word":5130,"intents":[{"intent":"Clarify super balance","confidence_score":0.14919235}]},{"text":"Now, Barry, do you have access to your emails?","start_word":5265,"end_word":5273,"intents":[{"intent":"Confirm access to emails","confidence_score":0.027099656}]},{"text":"And then once you kind of actually, if you have a pen and paper, paper, I can read out because you need your account information, and then you just need to set a password. If you haven't kind of done it, it will ask you to to do that.","start_word":5612,"end_word":5660,"intents":[{"intent":"Create password","confidence_score":0.0005000502}]},{"text":"But if you have a pen and paper or are able to note it, like, on notes on your phone, I can read out your login ID for you if you wanna note this down. So let me know when you're ready. Yeah.","start_word":5662,"end_word":5704,"intents":[{"intent":"Obtain login id","confidence_score":0.06017082}]},{"text":"is your login ID if you want it to go into your account yourself at any point in time. Yeah.","start_word":5722,"end_word":5741,"intents":[{"intent":"Access account","confidence_score":0.35411766}]},{"text":"can go and have a look at your super balance. You can always call us. We we always have access to it. You can always Yeah. give us a call if you want a bit of an update. That way, it's really makes it easy if you wanna have a look at it whenever Yeah.","start_word":5823,"end_word":5877,"intents":[{"intent":"Update super balance","confidence_score":0.18985814}]},{"text":"You can always call us. We we always have access to it. You can always Yeah. give us a call if you want a bit of an update. That way, it's really makes it easy if you wanna have a look at it whenever Yeah.","start_word":5833,"end_word":5877,"intents":[{"intent":"Schedule call","confidence_score":0.0018588116}]},{"text":"And through my super, has there been when was the last when was the last contribution? Alright.","start_word":5897,"end_word":5913,"intents":[{"intent":"Check contributions","confidence_score":0.07348613}]},{"text":"So you have insurance with one part, and you have life and total permanent disability insurance, and that is $297,124. Are you still happy with the level of cover for life and KPD if something were to happen? Yeah.","start_word":6376,"end_word":6414,"intents":[{"intent":"Validate insurance coverage","confidence_score":0.0019953402}]},{"text":"so if I were to go to work for how long would it be or that I would start receiving the benefits?","start_word":6897,"end_word":6918,"intents":[{"intent":"Considering benefits","confidence_score":0.002850485}]},{"text":"if that so roughly, what's 4,000 a month is, like, roughly, you said speak about 900 a week. So 4,098.","start_word":6921,"end_word":6940,"intents":[{"intent":"Explaining benefits","confidence_score":0.027020147},{"intent":"Discussing claim timeline","confidence_score":0.0015407996},{"intent":"Explaining benefits","confidence_score":0.015749695},{"intent":"Discussing benefits period","confidence_score":0.000039623224}]},{"text":"Now it will be taxed when it comes out as well. So you will Yeah.","start_word":6941,"end_word":6955,"intents":[{"intent":"Recounting income deductions","confidence_score":0.00004108567}]},{"text":"Now it will be taxed when it comes out as well. So you will Yeah. pay tax on the amount based on your marginal tax rate. So it depends what your income is before going on claim and how much tax you pay, so it will be a little bit less.","start_word":6941,"end_word":6991,"intents":[{"intent":"Discussing tax benefits","confidence_score":0.000104784776}]},{"text":"to repeat So that benefit? thirty days.","start_word":7005,"end_word":7011,"intents":[{"intent":"Recalling previous work","confidence_score":0.001013105}]},{"text":"So that would mean when you have thirty days waiting, it will you will get the benefit after sixty days.","start_word":7072,"end_word":7091,"intents":[{"intent":"Providing benefit timing","confidence_score":0.00062379334}]},{"text":"However, the process would be if you wanted to increase it, it would mean that the insurance premium so at the moment, you can see there in front of you for life TPD and income participation the way that it is currently. After the tax Yeah.","start_word":7519,"end_word":7564,"intents":[{"intent":"Educate about insurance premium","confidence_score":0.0011923417}]},{"text":"Now when it comes through the benefit, so having Mhmm. the six years, are you still happy with the six years, or do you wanna look at alternative options? How what?","start_word":8012,"end_word":8042,"intents":[{"intent":"Evaluate plan options","confidence_score":0.0010311693}]},{"text":"So what the insurers So do now but now is is is would that be covered now at this present Correct. moment?","start_word":8342,"end_word":8363,"intents":[{"intent":"Confirm coverage","confidence_score":0.00836246},{"intent":"Check policy coverage","confidence_score":0.005424968}]},{"text":"So what would happen on a new policy that we were to take out is that what the insurers are gonna do, because their job is just to assess risk. So all they look at is Yeah. just Yeah. like a paper of what the risk is of you claiming. So if there Yep.","start_word":8575,"end_word":8628,"intents":[{"intent":"Assess risk","confidence_score":0.12529889}]},{"text":"So you do not have a exclusion. So what would happen at the moment is that you would be covered for mental health on your current policy, which is good. That's Yeah.","start_word":8716,"end_word":8747,"intents":[{"intent":"Plan policy changes","confidence_score":0.0015518013}]},{"text":"So what I will do is I will book you in, like I said, with my colleague, Whitlam. He will go through a couple of questionnaires and stuff with you. After that appointment, he will then pass it on to me. I will have a review of it, and I will go and speak to the insurance.","start_word":9098,"end_word":9154,"intents":[{"intent":"Book appointment","confidence_score":0.31131363},{"intent":"Book appointment","confidence_score":0.21929988}]},{"text":"So when is a good time for you to go through that questionnaire? Yeah.","start_word":9186,"end_word":9199,"intents":[{"intent":"Check schedule","confidence_score":0.0033159475}]},{"text":"And on Tuesday for that call, if you could have the incoming information, that would be good.","start_word":9389,"end_word":9405,"intents":[{"intent":"Schedule a call","confidence_score":0.00665916}]},{"text":"you can have it paid from your pack cash flow. And if you do, you will get a tax deduction on the premium. So you could use that at your tax return to claim a bit of tax back. Okay.","start_word":9773,"end_word":9812,"intents":[{"intent":"Discuss tax deductions","confidence_score":0.11600737}]},{"text":"in the That next that in the next when whenever whenever they say to well, obviously, I wanna get the information about what Yes. benefits they would have from doing all this.","start_word":9856,"end_word":9887,"intents":[{"intent":"Discuss benefits","confidence_score":0.80685705}]},{"text":"Well, we can definitely reassess that. Now not too much to go left before I let you go and enjoy your afternoon, but there is a couple of more documents I do want to just quickly run through with you. Yeah.","start_word":9918,"end_word":9958,"intents":[{"intent":"Reassess portfolio","confidence_score":0.58912075},{"intent":"Reassess portfolio","confidence_score":0.06284694}]},{"text":"So you probably have obviously seen the news and and heard that last twelve months, there's obviously been quite a bit of fluctuation in the market. First, we Yeah. obviously had everything going on with The US. So you had, you know, Trump and tariffs and everything, which saw a bit of fluctuation in the market in the short term.","start_word":10068,"end_word":10127,"intents":[{"intent":"Discuss investments","confidence_score":0.02147708}]},{"text":"all shows after fees as well, and it shows us that your portfolio overall is still up by 8.62% in the last twelve months just from your investments alone, which is pretty good. Yeah.","start_word":10231,"end_word":10264,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.04472249}]},{"text":"That's quite a lot. Yeah. Yes. Yeah.","start_word":10519,"end_word":10525,"intents":[{"intent":"Provide investment information","confidence_score":0.027750572}]},{"text":"So I would like to look at changing that.","start_word":10525,"end_word":10533,"intents":[{"intent":"Change investment options","confidence_score":0.021255467}]},{"text":"Now because the Benelon Australian Equities invest in Australian equities or Australian companies, we wanna Yeah. make sure that your portfolio overall is very diversified. So if we take out an Australian investment, we wanna look at changing it for another Australian investment because you still have quite a good of exposure to the globe in other investments, but Yeah. we wanna make sure you have some in Australia as well. So Yeah.","start_word":10728,"end_word":10800,"intents":[{"intent":"Recruit investment portfolio","confidence_score":0.00007808262}]},{"text":"So like I said, the investment committee have done a lot of research on the Bennelong investments and found a a good option, which is the beta shift a 200 just to swap it out for you Yeah.","start_word":10958,"end_word":10995,"intents":[{"intent":"Update investment information","confidence_score":0.0017913112}]},{"text":"Now just for your reference as well, you can see that how a growth portfolio is invested is that we have about 80% invested in your top four here. So you can see your US shares, which is, like, the light green one, your Yeah.","start_word":11393,"end_word":11437,"intents":[{"intent":"Assess portfolio growth","confidence_score":0.008464221}]},{"text":"So as you scroll through this document, and if you do, want to put a face to the voice and see who you are talking with today, if you want to scroll down to page 10 of this document, you will then see a photo of myself. And sometimes it is nice to put a face to the voice if we're not catching up face to face. Yeah.","start_word":11679,"end_word":11746,"intents":[{"intent":"Scroll through document","confidence_score":0.49859232},{"intent":"Scroll through document","confidence_score":0.04616159}]},{"text":"Now as you then kind of keep scrolling through, you will see the team. I'll let you kind of have a read over this in your own time. And that should then take you through one that's called a option to provide tax file number. Option to provide fax number. Is that what you're saying? Yes. Perfect.","start_word":11750,"end_word":11806,"intents":[{"intent":"Provide tax file number","confidence_score":0.830885}]},{"text":"at the bottom, you can there should be a little signature box for you to sign. On the same page as what shows where you are or Later.","start_word":11833,"end_word":11860,"intents":[{"intent":"Sign document","confidence_score":0.02445085}]},{"text":"Now this is your last one. Now this one here should say consent to new ongoing fee arrangement with hub twenty four.","start_word":12014,"end_word":12035,"intents":[{"intent":"Confirm consent","confidence_score":0.043489408}]},{"text":"is no changes whatsoever in regards to the fee structure that stays exactly the same at one point Yeah.","start_word":12098,"end_word":12116,"intents":[{"intent":"Obtain information about fee structure and offer options","confidence_score":0.0000022905003}]},{"text":"So if you do have someone that you know that would Yeah. benefit from our services, and it is a free review. So if it is someone that would be open to having a bit of a chat to us to see if we can help them, Yeah.","start_word":12217,"end_word":12264,"intents":[{"intent":"Offer review","confidence_score":0.008617637}]},{"text":"So if there are clients who are investors themselves that want assistance with super insurance investments or anything like that, or even your, you know, your your everyday person as well who don't do it, we are more than happy to speak through to anyone to see if we can help them.","start_word":12357,"end_word":12408,"intents":[{"intent":"Discuss potential clientele for investment assistance","confidence_score":0.000005185256}]},{"text":"it Could help would them. benefit them quite a lot.","start_word":12540,"end_word":12549,"intents":[{"intent":"Help and help","confidence_score":0.0031988164}]},{"text":"if if not, at least there's a bit of information hopefully for them, and hopefully, we can also help them and and put them in a better position irrespective of where they are and and what they want and what they need. Yeah.","start_word":12718,"end_word":12760,"intents":[{"intent":"Provide information","confidence_score":0.08618202}]}]},"sentiments":{"segments":[{"text":"Oh, hello? Hi, Vee. I've got Barry on the phone for you. Sure thing. Just give me two secs to get it all Oh, up good. again. And I'm he's just passing. gonna yeah. He's passed security. I've gotta update his address on file. Okay. You have the new one? Yeah. I do. It's Yes. actually my old where I used to live, which is so funny. Actually. Yeah. I'm not even kidding. Same building. He was like, I don't he was like, I can only receive letters, not parcels. It's a hotel staff residential, and then he named it off, and I said, I actually used to live there. That's crazy. Oh, alright.","start_word":0,"end_word":113,"sentiment":"neutral","sentiment_score":0.02708502858877182},{"text":"Perfect.","start_word":114,"end_word":114,"sentiment":"positive","sentiment_score":0.3861212730407715},{"text":"Well, I won't worry about the the address, but I'll just steal it off the notes for the faxman later. Sure. You can send Perfect. him through.","start_word":115,"end_word":141,"sentiment":"neutral","sentiment_score":0.15377569198608398},{"text":"Beautiful.","start_word":142,"end_word":142,"sentiment":"positive","sentiment_score":0.6156569719314575},{"text":"You've got it in 321. Good afternoon, Barry. This is Veronica speaking. How are you? Yeah. Not too bad, Veronica. How are you? Yeah.","start_word":143,"end_word":166,"sentiment":"neutral","sentiment_score":0.23751208186149597},{"text":"Good. Thanks. Thanks for returning my callback.","start_word":167,"end_word":173,"sentiment":"positive","sentiment_score":0.5396190881729126},{"text":"Yeah. That's alright. No worries. You still have time to go over the annual review? Mhmm. Yeah. I'm just I'm just I can I can still talk? I'm just grabbing No. I'm just coming to grab a drink here and just and then I'll be walking Okay. into the local grocery store here. Okay. No. That's that's okay. And then You I'll don't walk home and I'll sit down. I've got the money two minutes from home, so I'm happy to talk well until I get sitting down. Yep. don't yeah. Alright.","start_word":174,"end_word":265,"sentiment":"neutral","sentiment_score":0.07594969123601913},{"text":"Perfect.","start_word":266,"end_word":266,"sentiment":"positive","sentiment_score":0.4150086045265198},{"text":"Now before I kind of jump into the under review there with you, Barry, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or See just where a bit I'm of a catch let's up? see what see where I'm sitting on a financial standpoint, I think, Yep. would be the number one thing. Yep. And then the number two thing would be yeah. That that would be the number one thing. And Yes. then the Okay. number two thing would be maybe being able to self manage super funds and stuff like that. Okay. What options, So just yeah, what what options I have and how far away I am from doing milkshakes. yep. Everything Okay. good? All good? Alright. Sorry. No. That's all good. Okay. Yep.","start_word":267,"end_word":417,"sentiment":"neutral","sentiment_score":0.05985249376652257},{"text":"Perfect. We can definitely have a bit of a look at that for you.","start_word":418,"end_word":431,"sentiment":"positive","sentiment_score":0.5558702945709229},{"text":"Now before I kind of jump into your superannuation side, it is easier when you when you are home. But what's quite easy to do Yeah. while I'm you're gonna be home in, like, two minutes. I'm literally okay. two minutes from my from my desk now. It's Oh, perfect. a two minute That's walking.","start_word":432,"end_word":486,"sentiment":"neutral","sentiment_score":0.1769125610589981},{"text":"convenient.","start_word":487,"end_word":487,"sentiment":"positive","sentiment_score":0.33407652378082275},{"text":"I'm not driving.","start_word":488,"end_word":490,"sentiment":"neutral","sentiment_score":0.21391090750694275},{"text":"So That's good.","start_word":491,"end_word":493,"sentiment":"positive","sentiment_score":0.45299386978149414},{"text":"So what I might do while you are kind of walking and getting settled is just to go through a bit of an updated fax line with you first just to see if there is anything else, like, anything major that has changed in your life or if we need to make any changes to your advice. Now I know Maddie already told me that she will update the address for you, which is good. Yeah. Otherwise, when it comes to your personal information, I have you down here as single with no financial dependent. Is that still the case? Yep.","start_word":494,"end_word":594,"sentiment":"neutral","sentiment_score":0.09732233732938766},{"text":"Beautiful.","start_word":595,"end_word":595,"sentiment":"positive","sentiment_score":0.3675127923488617},{"text":"Now I don't actually have a next of kin on file for you. So that can be anybody and just someone you would like us to contact in the event that we just cannot get in touch with you. Yeah. Probably a Mexican. It can be anybody like an auntie or anybody. Yeah. Yeah. It could be anybody, and they don't have any, like Yeah. Probably, Finola Border, I would say, would be the best one because she lives in Australia, obviously. yep. Okay. That's where I'm based. So Yep. that that would probably be be the one that would make more sense in terms of time zones and stuff like that. Yeah.","start_word":596,"end_word":708,"sentiment":"neutral","sentiment_score":-0.004068309968683572},{"text":"Perfect.","start_word":709,"end_word":709,"sentiment":"positive","sentiment_score":0.35914450883865356},{"text":"I'm sorry. Could you just repeat the name again for me? Finola Border, How would you spell that? f I n o l a b Yep. o r d Yep. e r. Perfect. And, Yeah. just relationship to yourself, just a friend or was it a family connection? Oh, no. It's such family connection. Yeah. Oh, perfect. Yeah. So family. And just best contact number? 0 Sure. hold on a second. Just give me a second. 041. Yep. 6007 Yep. 919. 919. Yep.","start_word":710,"end_word":792,"sentiment":"neutral","sentiment_score":0.03119485080242157},{"text":"Beautiful. Thank you so much.","start_word":793,"end_word":797,"sentiment":"positive","sentiment_score":0.6190049052238464},{"text":"Now when it comes to occupation, has any of that changed, or you're still working as a trade assistant? No. I am a business owner now. Oh, nice. And what kind An of individual business do you have? construction. Yeah. An individual sole trader. Oh, yeah. Soul Trader. Yeah. Perfect. And when did you change to that? Fifteen months ago. In Oh, January yeah. January 2025 Perfect. And how is it or all going February so '20 far? '25. Sorry? How is it all going so far? Yeah. Yeah. Good. Good. Yeah. Very busy. But That's good, though. yeah. Yeah. Busy is good, but being too Yeah. busy sometimes is not too good. You need to get, I think you need Yeah. to, I think Balance. you need to balance. Yeah. And, Yeah. that's what I'm sort of kinda looking for towards this year. Yeah. Do you is it just yourself? Do you have someone else working No. as well? No. No. No. I think well, I would have to go I would have to go PTY to have anybody Yeah. else working for me. So yeah. But now it's just getting Don't know. also It might be it might be heading there in that track. I'm just not sure yet. We'll see what yeah. see what's see Yeah. what what I have to sort out. Yeah. And you work, obviously, full time hours? Yes. Yeah. Yeah. More or less. Today, I'm off Yeah. because of the rain, but, yeah, generally, I'm working on average of about probably forty five hours a week. Ah, yeah. Forty hours, Okay. I mean, if you were to if you were to calculate the overall year, there'd probably be an average of definitely forty hours. Yeah. Yeah. Okay.","start_word":798,"end_word":1091,"sentiment":"neutral","sentiment_score":-0.016396223326676153},{"text":"Perfect.","start_word":1092,"end_word":1092,"sentiment":"positive","sentiment_score":0.4123913049697876},{"text":"No. And totally, Yeah. obviously, weather stuff. The last the Yeah. last few weeks have been not so Yeah. fun. The So last much few rain. weeks hasn't been great, has it? Yeah. No. Are you still living in Queensland yourself or Yeah. So we're up on the Gold Coast. I'm in the Gold Coast too. Yeah. Yeah. We're up in Southport. Oh, Southport. Yeah. Yeah. Yeah. I've been thinking What's about your moving to that area. what's your new suburb? Sorry? Where whereabouts in the Queensland Palm Surfers Gold Coast? Paradise. Oh, yeah. Nice. Oh, well, that's close. Yeah. But if it if you ever are up, obviously, towards Southport and you want to do a review or anything in person, just let us know because you're always more than welcome to come into the office as well if you, would prefer. Yeah. That would probably be be a lot better, actually. Yeah. Yeah. Yeah. We'll just yeah. Just let us know next time if, yeah, yeah, if you just wanna wanna pop in, especially Yeah. now when I it's think that nice would be and clean. the best thing for me. Yeah. Yeah. Yeah.","start_word":1093,"end_word":1288,"sentiment":"neutral","sentiment_score":0.09758879989385603},{"text":"Perfect.","start_word":1289,"end_word":1289,"sentiment":"positive","sentiment_score":0.3768711984157562},{"text":"Well, I'll make a little note, especially now when you are nice and close. But, yeah, I have had a lot of rain Yeah. brought a lot of rain recently. Now income wise, I probably understand that it will fluctuate a little bit. Yeah. It But does. do you know roughly what are you on track to for, like, this money issue here? Sorry? Do you know your rough income that I you'll Oh, pay yourself would have been it would have been about a $180, I think, or a 100 and About 70, maybe. alright.","start_word":1290,"end_word":1385,"sentiment":"neutral","sentiment_score":0.024500499789913498},{"text":"Perfect.","start_word":1386,"end_word":1386,"sentiment":"positive","sentiment_score":0.5137926340103149},{"text":"So about 180 ish. Now contribution wise, because now when you're a sole trader, it's obviously up to you if you are wanting to make contributions. Are you Mhmm. Super. I would need to inquire about docs. I I Mhmm. it it would be up to me, yeah, if Yes. I wanted to. Yeah. Yeah. And Yeah. are you doing anything at the moment, or are you planning on or just kind of seeing how the business Yeah. goes first? Well, I think as of July, Mhmm. whatever company that you or whatever company that you're, you know, working for has to I think they have Pay to for pay for Yeah. super yet. Yeah. If you are con contracted. So If that you're that yeah. will be I'm good. a contractor yet. Yeah. Oh, okay. I Great. think there's Perfect. a new come in in July, apparently. Yes. No. Definitely. Yeah. If you are contract contractor, then that will be the case. So then do you think roughly it'll be the same? Like, you will be contracted under around a 180 a year? No. Because things have changed. Mhmm. So basically being asked to yeah. The the the the amount may be lower, actually, Mhmm. because I've been because my the just things have changed with companies and stuff. The original company that I was contracted into went into liquidation. So Okay. the the the builder had to take over, and now it's I'm working for them. So I've been requested to that the rates to see if we could negotiate rates. So I'm on a lower rate now, so it wouldn't be unless I go PTY and I gotta start getting people to work for Okay. me, Mhmm. then my my annual year return would probably be slightly lower. Okay. A good Yep. bit lower, actually, probably, Yeah. than what Okay. it was originally on. But Yeah. yeah. No. That's okay. And, obviously, especially with the business and contract and everything, I completely understand that things do fluctuate and Yeah. depends Yeah. on that.","start_word":1387,"end_word":1732,"sentiment":"neutral","sentiment_score":0.005818970759824522},{"text":"So that's no problem.","start_word":1733,"end_word":1736,"sentiment":"positive","sentiment_score":0.3526977300643921},{"text":"I'll just make a little note. And then after the line stuff, we can just kind of keep an eye on those contributions anyway when they drop in your hub 24 Yeah. for you and have a bit of Well, a look at that. maybe maybe there was I don't know. Maybe. I don't think it's a thing. At the moment, it's up to you as as far as I'm concerned. I'm still learning Yes. business because, obviously, I've only been in business Yes. fifteen years, and I'm I'm I'm an amateur. I'm not a professional. So And I the may more as you well do be as well. honest. It's like Yeah. it's like you're working in a if it's in terms of construction Yeah. and experience. I'd say I'm a professional or a Yeah. family professional because I've been doing it for twenty years. Yep. But in terms of business, starting my own business and starting out, it's pretty challenging, and there's a lot of things you have to take into account more. So, Yes. Yes. like, your boss and your tax and your all that kind of stuff. Yeah. And PST. do you have do you have a good accountant to help Yeah. you I with do have a good yeah. accountant. Yes. Oh, great. Both he's based in Melbourne. So Okay. we'll see how we'll see how this year feels out and if I'm happy with why we did you have someone in mind? Yep. Oh, I was just going to to ask if you do if you don't have one, we do work closely with with an accountant firm up here. So if it is that you wanted a referral or assistance, especially, like, setting up the business can Yeah. be a bit Well, tricky. it it might it might stand more sense in the future. Yeah. I'm not I'm not ruling it out for now. Yep. And just I let won't us know rule if it it out changes. just now, Yeah. but for future reference, it it it may be a a thing depending on Yeah. where I decide What's happening? to reside. Like, obviously, Yeah. I don't know what's in front of me next week, never mind next year. So That's fine. And just let us know, you know, if it is ever a point that you go, oh, do you know what? I wanna have a bit of a chat but to them it or see if I can stands more sense. It does stand more sense for yeah. me. And to be honest, I like to do I definitely do like to go in and see people in person Yeah. rather than at the moment, it's all through phone and and email Yeah. Yeah. and and and video calls and Yeah. which Can is be okay, harder. but I'd rather Yep. be in person. Yeah. Yeah. No. And a lot of locals are like that as well. And we do offer that, like I said earlier. So we're just up in Southport.","start_word":1737,"end_word":2248,"sentiment":"neutral","sentiment_score":0.04851153551135212},{"text":"You're always always more than welcome to have any appointments face to face, especially now when you are local. So I'll make a little note that you do prefer face to face where possible.","start_word":2249,"end_word":2282,"sentiment":"positive","sentiment_score":0.415159285068512},{"text":"And, yeah, where if you do change your mind and you do wanna talk to an accountant, just send us an email, give us a call, and we can always then get them through reach out and have a bit of a chat to you. Yeah. Yep.","start_word":2283,"end_word":2329,"sentiment":"neutral","sentiment_score":0.20426438748836517},{"text":"Perfect.","start_word":2330,"end_word":2330,"sentiment":"positive","sentiment_score":0.4060468077659607},{"text":"Now when it comes to your assets and liabilities, I Mhmm. have here that you have about $5,000 worth of investments, like, personal investments. Is that still the case? Yeah. Probably probably a bit I would have to look through it. I I don't know off the top of my head at the minute, but there's probably a bit more. Okay. I have investments in certain things. Yeah. No. And is that just kind of on an investment platform? Or Yeah. Just do just doing a few things at the moment. Yes. Few things outside of my construction. Just kinda Yeah. like side hustles, health and fitness. I help me own health and fitness business as well, but it's Yeah.","start_word":2331,"end_word":2450,"sentiment":"neutral","sentiment_score":0.012120299782448758},{"text":"not making any not really making any revenue at the moment.","start_word":2451,"end_word":2461,"sentiment":"negative","sentiment_score":-0.4934172034263611},{"text":"Mhmm. Okay. No. That's alright. Otherwise, do you have a motor vehicle or motorbike or anything like that? No. No. No. No. No vehicle. That's another issue I have to sort out with, I think, the Garrett Bevis is on the phone. She lived in Surfers. I think the same place Nope. Yes. as me or maybe it was Yeah. you She in said the same building. no. It was yeah. It was Maddie who took the reception inbound call. She actually said that. She's like, oh, funny enough. You're now living in my old building. Yeah. Yeah. I wanna get out of here. It's time Yeah. to get out of here being too long. At least the train would be nice at moments with the still the 50<unk>. Tram fare fares, is it? Yeah. Yeah. Yeah. Yeah. What do you what's your what would your view be on Southport for living? Do you like living there or not really? Well, I live up in Pacific Pines, so closer to, like, other side of, like, Helensvale and stuff. Oh, yeah. And just, yeah, just work in Southport.","start_word":2462,"end_word":2650,"sentiment":"neutral","sentiment_score":-0.010220482014119623},{"text":"And it's it's good.","start_word":2650,"end_word":2654,"sentiment":"positive","sentiment_score":0.5071142315864563},{"text":"Like, they it is convenient, but it depends what you're after as well because I live in a house, and there's not that many houses potentially in Southport. It's a lot more like apartment buildings and duplexes Yeah. and stuff. So it does depend like, it is convenient. I think it's a little bit cheaper than other Yeah. suburbs. There are certain area that's a little bit rougher than Yeah. others, but so you'll get in any suburb, I think. Yeah. So Yeah. I if know if what it's area. more around, like, the back of Australia Fair and stuff, sometimes, like, kinda where the hub is. Sometimes you get, yeah, a little bit Yeah. of rough roughness, but, yeah, you'll Rough around get that the in, edges. Yeah. yeah, you get that in a lot of suburbs.","start_word":2654,"end_word":2790,"sentiment":"neutral","sentiment_score":0.07643927322415105},{"text":"But then there are other sites points of Southport, which is really nice, especially as you get, like, closer to the water and stuff.","start_word":2791,"end_word":2814,"sentiment":"positive","sentiment_score":0.4046776592731476},{"text":"Mhmm. Yeah. So I think you can find good areas. Just kind of if you do go and have a look at some places, I would just kind of have a look around a little bit as well just to make sure it's kind of, like, one of the Yeah.","start_word":2815,"end_word":2864,"sentiment":"neutral","sentiment_score":0.1399812251329422},{"text":"nice nice ones. But it is very good and convenient. It is close to a lot of things. Yeah. And I think Maddie enjoyed living there as well. And, yeah, a few other colleagues live around the area too, Yeah. and they all enjoy it.","start_word":2865,"end_word":2909,"sentiment":"positive","sentiment_score":0.5343226790428162},{"text":"Yeah. Yeah. Yeah. Otherwise, I have here $2,000 of about credit cards. Is that still the case? Yeah. Yep. Yeah. I Perfect. believe so. Yeah. And then a loan of about 1,200. No. Nope. I've paid off all my loans there. Yeah.","start_word":2910,"end_word":2951,"sentiment":"neutral","sentiment_score":0.02848982810974121},{"text":"Oh, beautiful. That's great.","start_word":2952,"end_word":2955,"sentiment":"positive","sentiment_score":0.42800018191337585},{"text":"Any other assets that we haven't gone over otherwise? Any, like, savings in the bank or anything else? Or No. Just just whatever's in the maintenance account, really. yes. Yes. Perfect. Now health and lifestyle wise, are you a smoker? No. Nope. And have you had any changes to your health in the last twelve months? Any No. significant health issues or injuries or Not anything? really as with mental health, I suppose, but that's that's yeah. Just got to manage it, really. That's it. Yeah. Get from taking medication or do what's Yeah. advised to me. Yeah. That's good. But, otherwise, yeah, you're not having any too many troubles or anything health wise. It's all going No. alright? No. No. No. No. Pretty No. healthy. Just Oh, great. for now. Yeah. That's good. Yeah. For now, you Now can only love it. You only live in the night. that's right. Barry, do you have private health insurance? No. Nope. Might be worth having a look at at some point for you just Yeah. from an income point of view, at least. Yeah. Because you are now a high income earner, Yeah. what that will mean as well, which your accountant should be able to kind of calculate all of that for you this financial year, is that because you have exceeded the now in through the high income earner, it will mean that if you do not have private health or hospital cover, Yeah. that you would pay a medical levy surcharge. That is you you know about that? Yeah. Yeah. Well, I'm part Mhmm. of well, of course, my Irish my Irish passport covers a lot of things. Mhmm. Okay. And my Medicare I've got Medicare Mhmm. as well. So, Yep. yeah, in terms of ambulance and stuff like that, I think probably I would get billed for that. I don't I'm not sure. Yeah. In Queensland. And I, yeah, I used to be the same. So I'm Swedish. So if you do have a bit of an accent, that's why. And I'm now dual citizen, so I have Swedish as well. And when I came over, it was partnership between Sweden and Australia, so I had Medicare and stuff like that. Yeah. This this is a little bit different in that basically, because, obviously, you have public hospitals and stuff Yeah. where they are encouraging high income earners kind of regardless Private of care. yeah. Just to kind Yeah. of assist, and they do Yep. put an additional tax on high income earners if you do not have Okay. private health insurance. So Yeah. it might be worth and sometimes it turns out that you pay a little bit more extra tax, but it's actually a lot cheaper than the private health insurance. Okay. Sometimes it turns out the other way depending on how high your income is. That Yeah. sometimes like, I have a lot of clients who just take out private health insurance just, like, the minimum cover just to not having to pay additional tax. Yeah. Okay. But definitely chat to your accountant because they are obviously the expert when it comes to that. Just something Yeah. to be mindful of. And when you do chat to them as well, just they they'll be able to calculate all of that for you and see where you're at and Yeah. how how much that would all potentially be and stuff. So just Yeah. something to be a little bit mindful of now when your income has gone up quite a bit. Yeah. Yep.","start_word":2956,"end_word":3553,"sentiment":"neutral","sentiment_score":0.0433613893491867},{"text":"Perfect.","start_word":3554,"end_word":3554,"sentiment":"positive","sentiment_score":0.5684301853179932},{"text":"Otherwise, when it comes to estate planning, do you have a will or anyone who makes any financial decisions on your behalf? Well, not really at the minute, but, No. well, I think I I don't know if I finished it or not. I'm not sure, Okay. but I had plans to if anything happened that I'd split my will, I think it was in four ways of Mhmm. one probably myself or others my brother, my two sisters, my mom, and my auntie are made with just for a will. Yeah. Yeah. Okay. Perfect. But, So obviously, kind of in yeah, the pro. that's Yep. as they get older, they they mostly, they they could die before me or I could die before them. I don't know. But, hopefully, it's the other I don't know most death in any bleep. Yeah. But yeah. Yes. Of Just course. with the age Yes. wise. You know? Just Yeah. yeah. And that makes sense. And Yeah. But I just want to be fair while I'm yeah. just that sort of person. If I have Yeah. things That's that are nice. left over, Yeah. then that would be And that's nice. And when it passed comes to through them. super end insurances, so we don't have a current nomination on file for you. So that is if something ever were to happen to you, like, you were to pass away, who would then receive your benefit? Do you know who you would like to nominate for to receive that? Would that be your family Yeah. again? Yeah. Probably. Yeah. Yep. Yeah. Yeah. Now does any of your family members live with you currently or rely on you financially? No. No. So when it comes through the superannuation legislation here in Australia, they they are restrictions on who you can actually nominate directly through the CISSPAC. So No. the only people that you can nominate, like, directly on a form is a spouse, a child, or someone in a financial dependent or interdependent relationship with, which Yeah. a lot of clients, if if you don't have a spouse or children or you wanna give it through, like, nephews and nieces or family members and brothers and sisters and mom and dad, which is super common, you can still do it. We would just have to structure stuff a little bit differently. Yeah. So the way that we would go around it is that on the forms for your super and insurances, you would put down that you nominate a legal personal representative, which essentially is just a fancy word for saying that it goes to your will. Then Yep.","start_word":3555,"end_word":3999,"sentiment":"neutral","sentiment_score":-0.020608301410514316},{"text":"in your will, you can nominate whomever you want.","start_word":4000,"end_word":4008,"sentiment":"positive","sentiment_score":0.4008390903472901},{"text":"So then in your will, you can say that you want it to go to x y zed and so many portions. And in the will, you can even do a bit of a succession sometimes as well, where you can Yeah. say first person this, but if something were to happen, this one and this one, etcetera. Yeah. The only reason we have to do it this way is because super and insurance does not automatically form part of the estate. So you can have Yeah. it completely different to your estate. If there is no nomination in place, it could go to your estate regardless, but the trustee of the super or your insurances could also decide if there is someone that tries to come forth and make a claim for it. So Yeah. it is important to have a look at when you have a moment, and that Yeah. would be through to have a look at that will if it was finalized or where it's at, and then include in that what you want to do with your super and your insurance. Now under then the forms that we'll submit to your super fund and your insurance company, do you have access to a printer, or do you Yeah. prefer things to be posted to you? Oh, you can post it. I Posted? don't know if they're gonna Nice receive and close. it to this to this address because of the but I think they can receive letters. Yeah. But, yeah, Okay. Well, what I can the well, email maybe. oh, yes. Email it it it just has to be printed at some some place, even, like, office Yeah. work or Yeah. library I could print or something? it out. Yeah. Yeah. I can, Yes. yeah, I can print it out here in the hotel with being not an issue. I've Okay.","start_word":4009,"end_word":4324,"sentiment":"neutral","sentiment_score":0.07929877380404292},{"text":"done it Perfect. before.","start_word":4325,"end_word":4328,"sentiment":"positive","sentiment_score":0.5304354429244995},{"text":"Yeah. So what I will do then, that way you'd also have it in your inbox as a bit of a reminder, is that I will get the team to email you the form, Yeah. Yeah. have a look at them. And like I said, if you do wanna give it to your family members, just complete it a a 100% to your legal personal representative, and Yeah. then make sure you do note it in the will as well. Does that all make sense? Yeah. Yeah. Yep. I think the other question I wanted to ask is through where Beautiful. my CIBA superannuation, what the what it stands at from a from a financial point of view at the moment where what numbers are we looking at through working with these guys? Where where where are we at in terms of Yeah. that? Sorry. Because you have your super with hub twenty four? Yeah. So do you have a c bus account that you opened Yeah. up as well, or you mean I have from a your specific old one? kind. That's I think it's the same one. I don't think I opened a new CBIS account. No. I've I've kept it the same. Okay. Let me just check here You for you you. should be able to see it from your end because these are the guys that And yeah. So let me just get, just bear with me. Let me get all this information up for you. Now are you still receiving statements from Cebus?","start_word":4329,"end_word":4586,"sentiment":"neutral","sentiment_score":0.06871113181114197},{"text":"Oh, I don't know. There's probably a 100 ladder playing in the raid because that was my original address.","start_word":4587,"end_word":4605,"sentiment":"negative","sentiment_score":-0.3563060760498047},{"text":"Yeah.","start_word":4606,"end_word":4606,"sentiment":"neutral","sentiment_score":-0.08251259475946426},{"text":"I haven't been back there in a while.","start_word":4607,"end_word":4614,"sentiment":"negative","sentiment_score":-0.3635106086730957},{"text":"The guy still owns that I know still owns there, but I, you know, I haven't been back in Sydney in a long time. So No. That's okay. They should email it through you as well oh, yeah. because I don't think I've received anything through email. yeah. Maybe I have, but I'd I just there'd be that many coming in every No.","start_word":4615,"end_word":4677,"sentiment":"neutral","sentiment_score":-0.12791629135608673},{"text":"day. That's I don't know.","start_word":4678,"end_word":4682,"sentiment":"negative","sentiment_score":-0.382885605096817},{"text":"alright. Because I can see here that when you obviously came on board and we did your initial advice, you used to be with CBAS. And you had a bit of money in Cbus, but that was all, by the looks of it, transferred and consolidated to hub twenty four where you currently have your super. But let me just triple check the transactions because on on our end, it looks like that was all finalized and that you don't have it open anymore unless you've put any contributions or anything afterwards into it. No. But I yeah. No. No. No. No? But I just want to know what my what the balance is at this point. Yes. Yeah. Yeah. Sorry. I have your your hub 24 Yeah. that I've actually emailed you, which does have your your current super balance as well. Now I do wanna just triple check because just that your c bus was completely closed down from our end because it looks like it was, but I do wanna triple check that for you while I'm I'm in your just account. wondering why it was closed down because it was no contributions being made. Was that it? Or No. So when you when you oh, yes. Yeah. So no. The reason was that when you came on board in 2022, mhmm. you obviously had advice with the director, Sabrina Sarta. And part of the advice was to, obviously, assess your superannuation and Yeah. assess if that was a more suitable option that was going to do a little bit better for you, as well as looking at your comprehensive insurances. Now Yeah. having a look at that document, because I do have it in front of me as well, obviously, every time we do make a recommendation, there's a lot of research that goes into it to make sure that if we switch your super funds, it is going to put you in a better position. So factoring in, obviously, fees and returns and everything, because we are bound by that best interest duty, which means that we always have to act in your best interest at all time, and the advice Yeah.","start_word":4683,"end_word":5049,"sentiment":"neutral","sentiment_score":0.0060080269945414905},{"text":"we put together has to put you in a better position.","start_word":5050,"end_word":5060,"sentiment":"positive","sentiment_score":0.4162912666797638},{"text":"Now Yeah. having a bit of a look at this, it was recommended that you change from CBA to Hub Oh, no. 20 No. No. four. That's not that's not that's that that that's not the question. It's how much is in my I I know that I changed from Okay. to to Hub Hub 24, twenty but what all I'm asking is the four. You're balanced. my balance. Yeah. Oh, Not okay. Perfect. yeah. I thought you were asking why c bus No. was shut No. down. No. No. I know I I just had see the superannuation No. That's because, okay. yeah, that's it's just It's in been your in mind. my brain for so long No. That's rather okay. than just I was saying super. It's probably no. my fault that I No. don't That's okay. Because I was like, no. I don't have c Bus here. That's I all was closed a bit now. confused there because it was like, hold on a minute. What? Like, No. No. No. Your super is very much still here. It's just not with CBass. It's with Hub twenty four. So we're on the we we're on the right. Yes. It's very much here. Now, Barry, do you have access to your emails? Because I have actually sent you a couple of documents, and part of that is showing you your current super balance, your performance, your insurances, and Yeah. everything Just so that give me you a can second. see it. Yeah. Sure. I might I'm just in I'm just blocking the apartment here just because I don't wanna go from phone to I've just got you on speaker here. That's if Yeah. that's That's okay. okay. Yeah. Most Yep. people I'm most on people my own do anyway. that as So well. Yeah. it's No. That's that's all good.","start_word":5061,"end_word":5371,"sentiment":"neutral","sentiment_score":-0.057304472042624975},{"text":"Now we have recently changed the software as well, so it could end up in spam folder potentially.","start_word":5372,"end_word":5389,"sentiment":"negative","sentiment_score":-0.5501720309257507},{"text":"Hold on a second. Yeah. Veronica Glover? Yes. That's me. Mhmm. Your annual review. Oh, that's just Yes. saying the document. Yes. But if you click on that, it will show you all the documents before asking you to sign anything, and that gives Okay. you a breakdown of everything today. That does give me balance. Yes. Correct. Yes. So Okay. if if you wanna click on that for me, Okay. it should Yeah. open up a couple of documents. The first one should say summary of superannuation. Can Yeah. you see that document? Yeah. I can't Yes. yeah. Yeah. Perfect. That's it. Yeah. I can see it. Yep. Yep. Now that tells us here that your superannuation balance is $87,234.99. Yeah. Now do you have access to HUB 24 as well if you ever just wanted to go in and see how much is there? We'll check anything yourself quickly as well. Do you have all your login details I and just everything? I just couldn't really remember how to get into it. I'd need to No. So what you because I use Hub twenty four for my personal superannuation as well. Okay. I I find the easiest way is on your phone. Yeah. Sorry. If you have a smartphone, you can actually download an app with Hub twenty four. Yeah. And then once you kind of actually, if you have a pen and paper, paper, I can read out because you need your account information, and then you just need to set a password. If you haven't kind of done it, it will ask you to to do that. But if you have a pen and paper or are able to note it, like, on notes on your phone, I can read out your login ID for you if you wanna note this down. So let me know when you're ready. Yeah. Yes. I have notes. Yeah. Yep. So 13 Yep. 676. What's this one? Sorry. What's So this this? is your login ID if you want it to go into your account yourself at any point in time. Yeah. Go for it. Yep. So 1367 Three six seven. Yeah. 6922. Yeah. Now this is your login ID. So if you later go and download the Hub 24 app on your Yeah. Yeah. mobile phone, it Yeah. will ask you for your login ID, which is the one I just gave you, and then it will ask you for a password. You can just create your own password, and then you have access to your account Yeah. so that you Yeah. can go and have a look at your super balance. You can always call us. We we always have access to it. You can always Yeah. give us a call if you want a bit of an update.","start_word":5390,"end_word":5860,"sentiment":"neutral","sentiment_score":0.09854482912365543},{"text":"That way, it's really makes it easy if you wanna have a look at it whenever Yeah.","start_word":5861,"end_word":5877,"sentiment":"positive","sentiment_score":0.38321053981781006},{"text":"Yeah. you want to. You can also do that quite easily just on your mobile phone as Yeah. well. And through my super, has there been when was the last when was the last contribution? Alright. Let me have a look Can at you that see for on you. your end when the last contribution was? Yes. Let me have a look at your statements for you. So Alright. So nothing in May or April. Nothing in January. Alright. Nothing in December or November. Let me have a look. Are you getting the rain at the moment as well? Oh, I'm just having No? a look out there. I think there's a bit of rain out there. Oh, yeah. It's pouring down here. Now Okay. April. So I can see the last one was on the April 28, so 2025, and that was from a Sherian Contracting and Maintenance. Hello? It says Sheriden Contracting and Maintenance PTY LTD. Charrington. It says S H E R I D A N. B I n. Sheridan. Sheridan contract. Oh, when was that? And so where that was January April twenty twenty five. okay. And I can't see anything before then. I can see that's pretty regularly. So then if I keep going, I can see from the same company in February 2025, but then there was another one in February 2025 from a road and rail excavations. Oh, yeah. Yeah. Yeah. Yeah. Yeah. Yeah. February 2025. That was Yes. February. Yeah. Yes. Correct. February 2025. And then the wedding Then what was the other one in the April 2025? Yeah. The yeah. Twenty twenty five April, and that was the Sheridan Contracting and Maintenance. Let me just and how much are those contributions forwarded? Yeah. So the one in April was for a $121.60. Yeah. And then the same one that they did they did one in February 2025, and that was Yeah. $58.73. Okay. Yeah. And that road and rail excavation in February, they did $63.25. Okay. Fine. Yeah. And then you also had one in January 2025. You had two in January 2025, actually, from and that was a little bit bigger. It was from a you had a Carmen Construction, and Carmen. then you Oh, Carmen yeah. Yeah. Yeah. yeah. And then you also had a okay. This I don't know how to pronounce this, so I will spell spell it through you. Sorry. It's j r a m a l c o, and Oh, that yeah. was a Good company. Marco. Yeah. Yeah. Yeah. And they Yeah. put Uh-huh. about 2572 in. Okay. Yeah. Yeah. Yep. Yeah. So, yeah, perfect. Does that answer that question? Yeah. It did answers Yeah. the question that, yeah, there has been no contributions made Yeah. since April 2025. So that's nearly Correct. the year. Yeah. It's Yes. April Yep. 2026. Yeah. Yeah. Yep.","start_word":5878,"end_word":6357,"sentiment":"neutral","sentiment_score":0.008220094081480056},{"text":"Perfect.","start_word":6358,"end_word":6358,"sentiment":"positive","sentiment_score":0.4346493184566498},{"text":"Now going back to the email, Mhmm. you should see let me see here. Also, your insurances. So you have insurance with one part, and you have life and total permanent disability insurance, and that is $297,124. Are you still happy with the level of cover for life and KPD if something were to happen? Yeah.","start_word":6359,"end_word":6414,"sentiment":"neutral","sentiment_score":0.057703874073922634},{"text":"Yep. Perfect. So that's what I would that's what would be paired out to, obviously, a family or my next or my whoever I put into the will.","start_word":6415,"end_word":6442,"sentiment":"positive","sentiment_score":0.3864246904850006},{"text":"Dominate. Is that or no? Correct. Is that Yes. just For a life personal injury or that's no. Just complete two separate. life over. Sorry. Two separate. So you have one life, and that is yep. If something were to happen to you, whoever you nominate on the forms and in the will will get two Yeah. 197,000. Yeah. You also have a total permanent disability. So that is if something happened to you and you can never go back to work again, that is paid to you. So that is 297. Sorry. There's two. So one for the injury and then one for life. Yep. Okay. Yeah. Yeah. So Now regardless of when that happens, that's what that's what has to be paid out. Yeah. That's what correct. by law, That's has to be paid out. that is what you are paying for for the insurances, so the insurance will pay that. Yes. Yeah. Okay. Yep. And Yep. that is why it's good for those forms on the will because that means also so if something were to happen to you as well, your super will also be paid out. So your family would get that life policy of almost 300,000 plus your super balance of 87,000. Mhmm. Yeah. Yeah. That's fine. Yep. Yep. Yep. Now you also have an income protection policy. Now this one here will pay you a monthly amount of 4,098. You have a thirty day waiting period and a six year benefit period. Now with the income protection because, obviously, your income has changed quite a bit. Yeah. With income protection, now it can cover you for up to 70% of your income. So, obviously, you could, at the moment, be covered for more if something were to happen. It doesn't mean you have to do it if you're okay with what you are currently paying for, but you could potentially be eligible for it. What Yeah. I do want to kind of let you know as well is that especially when it comes to kind of sole traders and stuff as well or when you more so when you move into a business point of view. If you have Yeah. people working for you and you continue to make money even though you're not working, the insurance could potentially offset that as well. So something to be mindful of when you get through that point. But at the moment, if it's just you working and if something were to happen to you and you can't work tomorrow, you will not earn an income, then you would still be able to get paid out. Yeah. Yep. Now with the So in terms of my income protection, mhmm. Yes. so if I were to go to work for how long would it be or that I would start receiving the benefits? So Yes. if that so roughly, what's 4,000 a month is, like, roughly, you said speak about 900 a week. So 4,098. Now it will be taxed when it comes out as well. So you will Yeah. pay tax on the amount based on your marginal tax rate. So it depends what your income is before going on claim and how much tax you pay, so it will be a little bit less. But how long would I have to be out of, like, work Yep. to repeat So that benefit? thirty days. Thirty days. Okay. Yes. Now the good thing with OnePath is that aside from OnePath and in, and Zurich, they are the only insurer who pays a claim. So you have to wait the thirty days, but then also Yeah. it's paid in arrears. So it's usually paid, like, behind. Now all the other insurers pay thirty days in behind. So that would mean when you have thirty days waiting, it will you will get the benefit after sixty days. One Yeah. pass has a little bit better, which they only have to wait fifteen days. So if something were Yeah. to happen and you're off work, it will mean you have to be off work for thirty days. And then after about two weeks, you will then start getting that monthly replay income replacement. Okay. Yeah. Yeah.","start_word":6443,"end_word":7149,"sentiment":"neutral","sentiment_score":0.0659204094685203},{"text":"So it's a little bit better.","start_word":7150,"end_word":7155,"sentiment":"positive","sentiment_score":0.3522213101387024},{"text":"And OnePath is unique as well in that they have six years, whereas other insurers typically have five years. So Yeah.","start_word":7156,"end_word":7176,"sentiment":"neutral","sentiment_score":0.22948287427425385},{"text":"if something were to happen and you are eligible, you could get that monthly benefit paid for up to six years.","start_word":7177,"end_word":7197,"sentiment":"positive","sentiment_score":0.3789171576499939},{"text":"Okay. Yep. Yeah. Are you happy with how your income protection is at the moment with how much you are covered for? Yeah. Or Well, if that was to grow, what would I need to if I was to if that was to grow a little bit more as in terms of what I would be making if I Mhmm. was to if if I wasn't working, Yep. Yes. or there was a period where I wasn't working and Mhmm. started to work. Yep. What is there a what So how the What? income protection work is assessing 70% of your income at the time of claim. So if your income fluctuates quite a bit, it is something to be mindful of because how it works is, let's say, you earned a 180,000 last financial year. That Yeah. would mean that you technically could have an income protection policy that would pay you 10,500 a month. Now, obviously, increasing to that will cost a lot more as well because you are getting a more benefit if something were to happen. But let's say we go and increase it and you are covered for 10,000, and let's say next financial year, you earn, let's say, a 120,000, Yeah. even though you are covered for or paying for up to 10,000, because your income when you were to go on claim is less, you would only be eligible to receive 7,000 even though you're paying for Yeah. more because your income has gone down. Yeah. Does that make sense? Yeah. So it's It quite does. Yeah. fluctuating. But the current Yeah. the current income that I made in the last year that Mhmm. I I would if that continued, I'd be able to it I could go to a point where I'd be making $10 per month if I was at work for a thirty day period. Correct. We could increase it. Yeah. However, the process would be if you wanted to increase it, it would mean that the insurance premium so at the moment, you can see there in front of you for life TPD and income participation the way that it is currently. After the tax Yeah. rebate, it's 2,880. Now if we increase it to, let's say, 10,000 a month, and often they would need especially for sole traders, they need two years worth of income to assess your income Yeah. for how much you're covered for. But let's say that you you have Yeah. earned a 180 for the last two financial years. If we increase how much you would receive on a monthly basis, it's going to make the cost a lot more. Yeah. Yeah. Understood. Yeah. So, obviously, So as well, how if much you of do how much of amount a month the or what or how much of would I have to give to you guys to be up that level? Or So how it much would would be to I it would be to the insurer. So they would they would have the policy. So it would be cost for the insurance you just pay price? the yeah. You pay the insurer directly. So it would be more. Now to go about quoting it, it's a bit of a process because Yeah. it's very tailored and specific to you. So Yeah. what the process is is if, let's say, you wanted to look at increasing the cover, we would because the insurance will reassess risk and everything like that again. So we would have to go through another pre assessment Mhmm. with you. So going Oh, yeah. through quite extensive, you know, that medicals and lifestyle and occupation. Mhmm. From Yeah. that, I will send that information through the insurer, and they would then let me know quote an outcome. Yeah. So because Okay. it's tailored to you. So it is a bit of a process. But if it is something that you want us to do, we could go through that. Yeah. You It's could go up through to it. you. It doesn't mean that I'm making any contributions just yet, but it it would mean that I would have more information as to what Yes. How what I it would would need look to do. like. Yeah. So yeah.","start_word":7198,"end_word":7915,"sentiment":"neutral","sentiment_score":0.011188450225299448},{"text":"That Now would be a good good plan. yeah. Perfect.","start_word":7916,"end_word":7925,"sentiment":"positive","sentiment_score":0.5814024806022644},{"text":"Now with your income, you said, obviously, you're on track for a 180,000 this year. Let's think, Do well, that could have been $1.70, maybe. I'd have to check with my accountant. okay. So what we can do is that I can book you in for that pre assessment, and that will be with my colleague Whitlam. For that Yeah. conversation, if you could have your income for this financial year and last financial Yeah.","start_word":7926,"end_word":8000,"sentiment":"neutral","sentiment_score":0.13430020213127136},{"text":"year at hand, that will be good.","start_word":8001,"end_word":8007,"sentiment":"positive","sentiment_score":0.3361053764820099},{"text":"Yeah. That's Yep. fine. Now when it comes through the benefit, so having Mhmm. the six years, are you still happy with the six years, or do you wanna look at alternative options? How what? Sorry? So getting paid for for six years. So how long you can receive the the monthly amount for? Yeah. Yeah. Six You years. happy with six? Yep. Yeah. Perfect. And are you happy with that shorter waiting period of just the thirty days? Are you happy with with Yeah. that? Yeah. That's Yep. fine. Yeah. Okay.","start_word":8008,"end_word":8099,"sentiment":"neutral","sentiment_score":0.07304832339286804},{"text":"Beautiful.","start_word":8100,"end_word":8100,"sentiment":"positive","sentiment_score":0.3854103684425354},{"text":"And you are still happy with life and TPD as is? It's mainly just looking at increasing your income protection? Yeah. Yeah. Just just Yep. happy to looking at it to see Yep. where the avenue leads me and if I was to be out of work. Is that is Yeah. that are the work due to any circumstances? No. Is it Or only what due are the to circumstances illness. there? Yeah. So it's only due to illness or accident. So if Okay. something were to happen and let's say So say I was to say I was to have an injury or something or yes. and I was, like, in work for that period of time, and I would be able to receive that. Correct. Yes. So if Yeah. you have an an accident Yeah. or an illness or anything that prevents you from working. Yeah. Now Yeah. that can happen Or anywhere. So or sickness or or Correct. or maybe or mental health, whatever it Correct. may be. Correct. Yeah. Now what the insurance will also do is any preexisting condition, Yeah. they will exclude. So that is something to be mindful of. If there is any preexisting condition, so let's say mental health, for example, because that happened after this policy was first taken out, on a new policy, it very much could mean that they will not cover mental health because that is a preexisting condition. So what the insurers So do now but now is is is would that be covered now at this present Correct. moment? No. Correct. Yeah. Because you you had it were you diagnosed in 2024? Yeah. Yes. Now let me just triple check here for you when your policy was put in force. So just bear with me. Well, I don't know if I'd mentioned the ADHD. That might have been 2024, I think. Might ADHD have Yes. yeah. So I have here So the ADHD was or around major twenty twenty depression. four. Yeah. Now let me because I do have your application here is when we put your policy in force in December 2022. Yeah. So let me just triple check that for you while I have it open. So, obviously, in 2024, if you had no mental health or ADHD or nothing like that, it will mean that Mhmm. you are covered. So if something were to happen tomorrow, let's say Yep. mental health, not great, and you need to take time off work because of it, you are currently covered if that's the case. On Yeah. a new policy, what the insurers most likely will do when there's anything because mental health is so common. Yeah. So many Well, people no. I'll obviously nowadays have to get a letter from my doctor or psychologist, whichever. yeah. Maybe. So yeah. So what would happen on a new policy that we were to take out is that what the insurers are gonna do, because their job is just to assess risk. So all they look at is Yeah. just Yeah. like a paper of what the risk is of you claiming. So if there Yep.","start_word":8101,"end_word":8628,"sentiment":"neutral","sentiment_score":-0.08966988112396476},{"text":"is anything preexisting, they will be well, we are not covering this because there's a higher chance of you claiming on it.","start_word":8629,"end_word":8650,"sentiment":"negative","sentiment_score":-0.3501240015029907},{"text":"Oh, So yeah. Yeah.","start_word":8651,"end_word":8654,"sentiment":"neutral","sentiment_score":-0.17031733691692352},{"text":"that that is kind of the the risk.","start_word":8655,"end_word":8662,"sentiment":"negative","sentiment_score":-0.36103883385658264},{"text":"Now let me have a look here. We did have anxiety Yeah. listed on the form. Yeah. Let me see here. No time of work. Let's see. No. That all looks good. Let me have a look here in the portal for you to see if I can see it as well. No. So you do not have a exclusion. So what would happen at the moment is that you would be covered for mental health on your current policy, which is good. That's Yeah. good. We took it out early. So on a new one, they could say we're not covering it. Oh, yeah. So Because so of the that higher because it's off yeah. Because of the higher correct. if I were to go for the higher insurance policy or the the Correct. higher income protection policy. Sorry. Yeah. Correct. Sorry. I understand. So it may just be the the the it may just be a case of the if anything. Yeah. I understand. It only Yeah. sort of physical if it was physical sickness or something like that that would would let let me that that way then. Yeah. Yeah. Correct. I understand. Or if Yeah. yeah. Or if it was some something else. Like, if if you Yeah. broke But if your it leg was the and amount you put that it was it where the amount that has thing, it'd be just the 4,000 a month or whatever it would be after thirty days if nothing has changed. Or Correct. yeah. If Yeah. we were to keep that policy so when you rewrite a policy, we can either replace the one we have right now, which we would not want to do if you are covered for mental health. We wanna keep that in place. So Yeah. you can look at, like, a top up amount, but the top up amount will most likely have the mental health exclusion. Yeah. Are you still wanting to go down there looking at increasing it, or or what are your thoughts? Well, I I can I can go down looking at Yep. information and see where I am in terms Yes. of what what we spoke about? Yes. Yep. But then And then I'd you can decide. be down to me to send documents to say that, yeah, Correct.","start_word":8663,"end_word":9053,"sentiment":"neutral","sentiment_score":-0.048952919652547375},{"text":"I'm I'm happy to go ahead with this.","start_word":9054,"end_word":9061,"sentiment":"positive","sentiment_score":0.7865883111953735},{"text":"Yeah. But Correct. get me information and and And see then him on a we'll on on take just, it. yeah, just Yes. livelihoods Okay. What point of it will view. be? Yeah. Of Yeah. course. So what I will do is I will book you in, like I said, with my colleague, Whitlam. He will go through a couple of questionnaires and stuff with you. After that appointment, he will then pass it on to me. I will have a review of it, and I will go and speak to the insurance. As soon as I've heard back from the insurance, I would give you a call with the outcome, and then you can let me know what you would like to do. So when is a good time for you to go through that questionnaire? Yeah. I'm hoping to get a week off soon, so maybe in the next week or two, maybe you could just touch base with me again maybe next week, the middle of next week, and see Tuesday When it's a maybe good time? or Wednesday to see where Okay. I'm at. Okay. Well, Just I will. a quick phone call about eleven. Eleven Yep. is Alright. probably the best time to get me because that's The best time. especially when I'm working because that's me. Or, sorry, 10:30 is really the best Ten time thirty? to get me because that's when I work. I get my break. Yeah. Okay. Well, I will put in a little call here. So on Tuesday, June 2, for Yeah. Whitlam to give you a call at 10:30 to check-in your schedule. Yeah. If you have if you have time then, you could potentially go through the questionnaire. If you don't have time then, he can Yeah. then book you in for when you have a little bit more time. Yeah. That's it. Yeah. Yeah? Yeah. Okay. Yeah. I will put put that in. And on Tuesday for that call, if you could have the incoming information, that would be good. If you can't, Yeah. that's okay. I will just need it before I speak to the insurer. Yeah. Yep. Okay.","start_word":9062,"end_word":9424,"sentiment":"neutral","sentiment_score":0.12860150549037397},{"text":"Oh, that's alright. Perfect. So that is booked in just for a bit of a quick call anyway on Tuesday, June 2 at 10:30 just to touch base to see how things are looking for you with time.","start_word":9425,"end_word":9462,"sentiment":"positive","sentiment_score":0.3881133496761322},{"text":"Yeah.","start_word":9463,"end_word":9463,"sentiment":"neutral","sentiment_score":0.33145833015441895},{"text":"Thank you.","start_word":9464,"end_word":9465,"sentiment":"positive","sentiment_score":0.4639005661010742},{"text":"No. That's alright. The other question that I wanted to ask was with you know, obviously, we we touched base on the biz me starting a business fifteen months ago. Obviously, it's Mhmm. just the sole trader and and may I go PTOI. I'm not sure. Mhmm. The other question that I wanted to ask in terms of, say, like, your tax Mhmm. and stuff like that, is there options to make it that we like, I can pay our boss or whatever it may or tax, whatever it may be that I could pay through that through my super or no? The tax, do you mean? Yeah. Unfortunately, not. Okay. That's a separate. Yeah. Yeah. That is that is separate. Now Yeah. with the income protection, though, I do wanna let you know as well. So at the moment, you have it paid from super, which means you don't pay for anything out of pocket. Now you can have income protection paid outside, which would mean that you would pay for it yourself, but you do get a tax deduction on the premium. So sometimes business owners like that, but it also means that you would have to pay for it yourself. So it does depend on cash flow and budget and stuff like that. Yeah. So what you're saying? Sorry. So for the business, So obviously for your income protection, so the one we are looking at increasing for you, Yeah. you can pay for that either out of pocket, so from your bank account, Yeah. or for a super the way that you currently have it. So, Yeah. obviously, the way that it's currently structured is that you don't actually have to pay for it yourself. It just comes it comes out of super. Yeah. So it doesn't impact your cash flow.","start_word":9466,"end_word":9770,"sentiment":"neutral","sentiment_score":0.0286701463895743},{"text":"Now Yeah. you can have it paid from your pack cash flow. And if you do, you will get a tax deduction on the premium. So you could use that at your tax return to claim a bit of tax back.","start_word":9771,"end_word":9811,"sentiment":"positive","sentiment_score":0.6026619076728821},{"text":"Okay. But it Yeah. will but it will mean that you would have to pay, obviously, more yourself from a cash flow point of view. Yeah. Well, So maybe that's something that I could discuss with whoever you appoint yes. me with Yes. Sorry. in the That next that in the next when whenever whenever they say to well, obviously, I wanna get the information about what Yes. benefits they would have from doing all this. But And then we can see you. Yep. in terms of signing it over and saying, yeah, that's what we agree on, then, yeah, that's different. Yes. That's fine. Yeah. Well, we can definitely reassess that. Now not too much to go left before I let you go and enjoy your afternoon, but there is a couple of more documents I do want to just quickly run through with you. Yeah. Sorry. Back to the email, can you see the next one after that superann insurance summary? Can you see one where it says twelve months hub 24, like, performance Hold on a with second. I just IRR. wanna go into yeah. Is this on the same document that with the Correct. CEDIS or different? Yeah. It's yeah. It's I'll on just the go same into money. next page, is it? Yes, please. Yep. Okay. Yeah. Yeah. I'm on the hub 24. Yeah. Yep. Now this one here gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months. So your Yeah. investments. So you probably have obviously seen the news and and heard that last twelve months, there's obviously been quite a bit of fluctuation in the market. First, we Yeah. obviously had everything going on with The US. So you had, you know, Trump and tariffs and everything, which saw a bit of fluctuation in the market in the short term. And then more recently, obviously, everything going on with the war has seen a bit of fluctuation in the market. So it's been a little bit more turbulent twelve months because of everything going on the last twelve months. Yeah.","start_word":9812,"end_word":10167,"sentiment":"neutral","sentiment_score":0.006698274064097512},{"text":"Despite despite all of that, though, your portfolio has still done pretty good, which is great.","start_word":10168,"end_word":10183,"sentiment":"positive","sentiment_score":0.4554673731327057},{"text":"So after fees and this is also considering you haven't had any contributions from the employer come in during this time. So you haven't had any extra money go in. Yeah.","start_word":10184,"end_word":10214,"sentiment":"neutral","sentiment_score":0.1188323050737381},{"text":"So this is from from May to May. It's still done pretty good. Now this Okay. all shows after fees as well, and it shows us that your portfolio overall is still up by 8.62% in the last twelve months just from your investments alone, which is pretty good.","start_word":10215,"end_word":10263,"sentiment":"positive","sentiment_score":0.5097164511680603},{"text":"Yeah. Yeah. Now with your investments, I do want to look at changing one of them for you, Yeah. Yeah. and that is your Benelong Australian equity. That is the only one that has underperformed.","start_word":10264,"end_word":10298,"sentiment":"neutral","sentiment_score":0.0970751941204071},{"text":"Everyone else have done really good.","start_word":10299,"end_word":10304,"sentiment":"positive","sentiment_score":0.4230346083641052},{"text":"So if you are on the page, the one Yeah. I am. I am. Yeah. Yeah. Yeah. I yeah. am. So so on the second column to the right, can you see where it says internal rate of return and a, like, a percentage? Yeah. Yes. Now the one in bracket, so the first one, that is down. All the others are doing good. Can you see that? So when it has a bracket next to it, it means that it's down a little bit. All the From others the previous are up. year or from what? Correct. So in the last twelve months. Okay. So what was the Yeah. what was the percentage before that? It says 18.87. Yeah. So that is in the last twelve months. So what it was what what how much has it dropped in terms Sorry. of percentage? Yeah. So that is only a small portion of your portfolio, though. So even though that one has dropped, you can see that all the others have grown a lot. Yeah. But I mean, what I'm trying to say is how much has it dropped? What percentage that that been along Australian equities fund? Yeah. So in the last twelve months, it is down by 18.87. Yeah. Okay.","start_word":10305,"end_word":10516,"sentiment":"neutral","sentiment_score":-0.0008241808391176164},{"text":"Fuck.","start_word":10517,"end_word":10517,"sentiment":"negative","sentiment_score":-0.33448612689971924},{"text":"That's quite a lot. Yeah. Yes. Yeah. So I would like to look at changing that. Now sometimes when investments are down, it could be just because of a a market cycle. So sometimes the market goes through different cycles where some investments are doing better, others are doing Yeah. worse, and it comes back around. It's kind of a cycle. Yeah. We've been along we we always do a lot of research on the investments, and we've been along even though they were one of the best performing fund managers have done really well, more recently, Yeah.","start_word":10518,"end_word":10615,"sentiment":"neutral","sentiment_score":-0.05487393960356712},{"text":"they've been a bit slower in making the investment decision.","start_word":10616,"end_word":10625,"sentiment":"negative","sentiment_score":-0.49587947130203247},{"text":"And Okay. if we feel Yeah.","start_word":10626,"end_word":10631,"sentiment":"neutral","sentiment_score":-0.1991720050573349},{"text":"like it's not going to be the best option for you moving forward, we want to look at an alternative option that is going to put you in a better position.","start_word":10632,"end_word":10662,"sentiment":"negative","sentiment_score":-0.33916059136390686},{"text":"So Yeah. we've done a lot of research on the Bennelong investment, and we have found the investment committee have found another option that we would like to look at changing it for you, and Yeah. that What is yeah. called What what what would you suggest? yep. So that would be your beta And shares a 200, it's called. and the shares. Yeah. Yep. Now because the Benelon Australian Equities invest in Australian equities or Australian companies, we wanna Yeah. make sure that your portfolio overall is very diversified. So if we take out an Australian investment, we wanna look at changing it for another Australian investment because you still have quite a good of exposure to the globe in other investments, but Yeah. we wanna make sure you have some in Australia as well. So Yeah. the banner the BetaShares a two hundred is investing in the 200 largest companies in Australia. So very diversified for you. So you'll have all the the banks and Woolworths and all the big companies, BHB, in there. So, obviously, Yeah. very diversified. And that one has performed better than Benelon, but it's also a bit cheaper because Yeah. how that one is different is that it tracks the 200 largest. So as the company grows and gets bigger, it gets added Yeah. to the 200 and something smaller comes out. The Bennelong is a little bit different that it is a managed fund. So their focus is to actively buy and sell different investments in order Yeah.","start_word":10663,"end_word":10918,"sentiment":"neutral","sentiment_score":0.11313030542805792},{"text":"to kinda outperform the market.","start_word":10919,"end_word":10923,"sentiment":"positive","sentiment_score":0.4007965624332428},{"text":"And sometimes that Yeah. really works, and other times if they take a bet on something, it might not work out. So it can see a bit of more fluctuations as a result. Yeah.","start_word":10924,"end_word":10957,"sentiment":"neutral","sentiment_score":-0.096092589199543},{"text":"So like I said, the investment committee have done a lot of research on the Bennelong investments and found a a good option, which is the beta shift a 200 just to swap it out for you Yeah.","start_word":10958,"end_word":10995,"sentiment":"positive","sentiment_score":0.34150978922843933},{"text":"I think so.","start_word":10996,"end_word":10998,"sentiment":"neutral","sentiment_score":0.2735583484172821},{"text":"to You just do improve that.","start_word":10999,"end_word":11004,"sentiment":"positive","sentiment_score":0.3388630747795105},{"text":"yeah. So what I can do is I will if you're happy with that, I can send you Copy. a document.","start_word":11005,"end_word":11025,"sentiment":"neutral","sentiment_score":0.2102975845336914},{"text":"Perfect.","start_word":11026,"end_word":11026,"sentiment":"positive","sentiment_score":0.4901695251464844},{"text":"You don't need to sign it, but it is called a record of advice. It is just for Yeah. your reference. I will email that through to you and then Yeah. probably early next week just Yeah. to let you know that we have done that one change for you. Yeah. Yep. That's fine.","start_word":11027,"end_word":11080,"sentiment":"neutral","sentiment_score":0.19065605103969577},{"text":"Perfect.","start_word":11081,"end_word":11081,"sentiment":"positive","sentiment_score":0.384353369474411},{"text":"Now, otherwise, back to the email. Yeah. To the next three, Yes. number three, or Yes, please. What can you all see that cert there? certificate or certificate of currency, one path. Yes. Correct. Okay. Now you can kind of skip that one because it just talks about your insurances again, which we've kind Okay. of already touched on. And then Yeah. do you have a Vanguard The graph. index chart next? Yes. Perfect. Yeah. So this one here, you probably have seen before, but it did it is a good visual representation of what we are talking about when we are talking about the market. Basically, Yeah. you can see here, a long term position. So you can see the long term market always goes up, short term ups and downs and market fluctuations depending on what is going on in the world. Now Yeah. how your money is currently invested as well is that we have you in a growth portfolio. Now growth portfolio and growth investors are typically people who are wanting to grow their super as much as possible while you Yeah. still have plenty of time until retirement. Yeah.","start_word":11082,"end_word":11275,"sentiment":"neutral","sentiment_score":0.09115992486476898},{"text":"We're also comfortable seeing some of those short term fluctuation in order to try to grow it in the long term.","start_word":11276,"end_word":11296,"sentiment":"positive","sentiment_score":0.48544999957084656},{"text":"Yeah. Now with a growth portfolio as well, we also want to make sure that you have enough time in the market for these kind of fluctuations to come back around. And Yeah. we want to typically see at least six years until retirement in a growth portfolio. So Yeah. from a growth portfolio point of view from a time frame point of view, you still have plenty of time in that portfolio if you are Yeah. kind of happy with the level of risk and everything that you currently have. Yeah. That's fine.","start_word":11297,"end_word":11390,"sentiment":"neutral","sentiment_score":0.19621199369430545},{"text":"Yep. Perfect.","start_word":11391,"end_word":11392,"sentiment":"positive","sentiment_score":0.5065289735794067},{"text":"Now just for your reference as well, you can see that how a growth portfolio is invested is that we have about 80% invested in your top four here. So you can see your US shares, which is, like, the light green one, your Yeah. Australian shares, which is, like, your dark green one, international Yeah. shares, which is, like, your yellow, and then the property, which is, like, your maroon color. Now these Yeah. are the ones grows the most, also fluctuates the most. You have then 20% in those bottom three. So these are the ones that you can see that don't grow near as much. They kind of are a bit more stable. So we wanna have Yeah. some of that component as well because we don't want too much of that ups and down at the same time. So that is kind of how that is at the moment for you. Yeah. Yep.","start_word":11393,"end_word":11549,"sentiment":"neutral","sentiment_score":0.12907615303993225},{"text":"Perfect.","start_word":11550,"end_word":11550,"sentiment":"positive","sentiment_score":0.43499255180358887},{"text":"Now the if you click next for me, it is a financial services guide. You would have seen this one before. It's just just one of those compliance forms. None of the important information has changed. And if you can then scroll to after page three of that document, it should take you to one where it says OQ services guide. Okay. Can you see where I'm at? Yeah. Yep. Now this one here, again, it is another compliance form. It's one you would have seen every 100 of you. It is just a bit of an updated version.","start_word":11551,"end_word":11649,"sentiment":"neutral","sentiment_score":0.0955253317952156},{"text":"Again, none of the important information has changed, but we've had a bit of an extension through the team, which is great, and a bit of update to marketing.","start_word":11650,"end_word":11678,"sentiment":"positive","sentiment_score":0.43248432874679565},{"text":"So as you scroll through this document, and if you do, want to put a face to the voice and see who you are talking with today, if you want to scroll down to page 10 of this document, you will then see a photo of myself. And sometimes it is nice to put a face to the voice if we're not catching up face to face. Yeah. Yeah. Yeah.","start_word":11679,"end_word":11748,"sentiment":"neutral","sentiment_score":0.17459991574287417},{"text":"Perfect.","start_word":11749,"end_word":11749,"sentiment":"positive","sentiment_score":0.4797546863555908},{"text":"Now as you then kind of keep scrolling through, you will see the team. I'll let you kind of have a read over this in your own time. And that should then take you through one that's called a option to provide tax file number. Option to provide fax number. Is that what you're saying? Yes. Perfect. Now this is another compliance form, but, basically, Oh, what's this? it Is just this what is this in the same page or at the bottom? at the bottom, you can there should be a little signature box for you to sign. On the same page as what shows where you are or Later. So if you kind oh, of this so this seven? so keep scrolling in that document. You will get to the end of it, which is then page 19. And if you press next Age 19. Next document. Oh, yeah. next document. Yes. Can you see that now? Yeah. Yes. Now this one here will ask for your signature, and it is just a compliance form. And just to let you know that we are keeping your tax file number Yeah. secure and safe on file. So it will Yeah. ask you for a little signature and a date there. Yeah. That's already yeah. Same. Yep. Perfect. And then the next one, which is Yeah. your The dates last what document, dates is it today? Sorry. I didn't sign twenty eighth twenty eighth of May. the date. Oh, hold on. It's already in there. Yeah. So next document then, is it? Yes. Yes. Now this is your last one. Now this one here should say consent to new ongoing fee arrangement with hub twenty four. Can you see that? Oh, sorry. What is it? Sorry. The next document, so the last one, does it say at the top consent to new ongoing Yeah. fee? Yeah. Yes. Yeah. Now this one here, it is your ongoing service agreement. Now that is just Yeah.","start_word":11750,"end_word":12082,"sentiment":"neutral","sentiment_score":0.06721738787429468},{"text":"to say that you are happy to stay on as a client.","start_word":12083,"end_word":12094,"sentiment":"positive","sentiment_score":0.5750272274017334},{"text":"Now there Yeah. is no changes whatsoever in regards to the fee structure that stays exactly the same at one point Yeah. $6.05. No changes at all in Yeah. regards to that, and Yeah. it is not a locking contract. So at any point in time, you are not happy. It is not a locking contract. But by signing this, it allows us to keep servicing your investments and your accounts and insurances and everything for you in the meantime. Yeah. And Yep.","start_word":12095,"end_word":12177,"sentiment":"neutral","sentiment_score":0.07234752923250198},{"text":"Perfect.","start_word":12178,"end_word":12178,"sentiment":"positive","sentiment_score":0.5376759171485901},{"text":"do you use is there any options for I I know quite quite a number of people, wealthy businessmen, or business people. Is there an Mhmm. option for them to go with you guys? Yes. Yes. Of course. So if you do have someone that you know that would Yeah.","start_word":12179,"end_word":12228,"sentiment":"neutral","sentiment_score":0.15663649141788483},{"text":"benefit from our services, and it is a free review.","start_word":12229,"end_word":12238,"sentiment":"positive","sentiment_score":0.3596092462539673},{"text":"So if it is someone that would be open to having a bit of a chat to us to see if we can help them, Yeah.","start_word":12239,"end_word":12264,"sentiment":"neutral","sentiment_score":0.2610909938812256},{"text":"we we can definitely do that. We're always open to speaking to new clients.","start_word":12265,"end_word":12278,"sentiment":"positive","sentiment_score":0.4700025916099548},{"text":"You And work if it on board is with investors, like, people who are actually investors themselves? we take everybody. So we'll have a look at everyone's situation. Now we have we have clients who are investors themselves. We have, you know, lawyers and doctors. We also just have, you know, school teachers, all kinds of things. Minors Yeah. lot of minors, lot of construction workers.","start_word":12279,"end_word":12344,"sentiment":"neutral","sentiment_score":0.1571994125843048},{"text":"So we we have a lot of different clientele, which is great. So if there are clients who are investors themselves that want assistance with super insurance investments or anything like that, or even your, you know, your your everyday person as well who don't do it, we are more than happy to speak through to anyone to see if we can help them.","start_word":12345,"end_word":12408,"sentiment":"positive","sentiment_score":0.3830639719963074},{"text":"Then, obviously, everyone will have different needs and what they want, and we can then tailor that based on where they're at and what they are after. Yeah. Yep. Do you have someone in mind, or is there more just Yeah. have I've got a bit a of a I've think? got a I've got a I've got a few people in mind. Actually, I know quite a few people, but, obviously, I I won't mention names because, obviously, that's just as a courtesy of privacy and stuff. Yes. But, And have a chat to them as yeah, well because I've I've got if a couple of people that, yeah, that that I what feel that they I feel that they started investing in this yeah. in Oakley Financial that Yeah.","start_word":12409,"end_word":12539,"sentiment":"neutral","sentiment_score":0.10641176253557204},{"text":"it Could help would them. benefit them quite a lot.","start_word":12540,"end_word":12549,"sentiment":"positive","sentiment_score":0.4854107201099396},{"text":"Yeah.","start_word":12550,"end_word":12550,"sentiment":"neutral","sentiment_score":0.2900906205177307},{"text":"So if there is anyone, because we do have a bit of a referral partnership as well, is that if you find someone who are interested and are do sign on board as a client, you will actually get a a gift voucher as well to say thank you.","start_word":12551,"end_word":12599,"sentiment":"positive","sentiment_score":0.35397136211395264},{"text":"So what I would suggest is that if you do speak to someone and they are happy to have a a complimentary free of charge chat, Yeah. ask them to email me, and that would just be veronicawithak@oakviewfinancial.com.au, Yeah. Yeah. and tell them to put your name that you refer them. Because what that means is that if they come on board, then you will get a get a little gift card if we know that you are the one who refer them. Yeah. Yeah.","start_word":12600,"end_word":12684,"sentiment":"neutral","sentiment_score":0.21407075226306915},{"text":"So, yeah, always more than happy to if there is someone, it's complimentary. It's free. Always good to have a bit of a chat to see if we can help them. And Yeah. if if not, at least there's a bit of information hopefully for them, and hopefully, we can also help them and and put them in a better position irrespective of where they are and and what they want and what they need.","start_word":12685,"end_word":12759,"sentiment":"positive","sentiment_score":0.4324324131011963},{"text":"Yeah. Yep.","start_word":12760,"end_word":12761,"sentiment":"neutral","sentiment_score":0.2838926911354065},{"text":"Beautiful. Now, Barry, I can see that that document has come through, which is great. So I will let the team, know, and we will get that all sorted for you.","start_word":12762,"end_word":12792,"sentiment":"positive","sentiment_score":0.5933957695960999},{"text":"Now, basically, Yeah. from here, as a bit of a recap, I will also get the team next week to email you those beneficiary forms for your super and insurances for your family. I will also send you that ROA, the record of advice to show you that one investment change we Yeah. spoke about. And Yeah. then on Tuesday, at 10:30, Whitlam will give you a bit of a call to see how you're going for time and then look at investigating that insurance policy for you in a little bit more detail. Yeah.","start_word":12793,"end_word":12887,"sentiment":"neutral","sentiment_score":0.1738390326499939},{"text":"Yep. Beautiful. Now do you have any other questions for me before I let you go and enjoy the rest of your evening?","start_word":12888,"end_word":12910,"sentiment":"positive","sentiment_score":0.39759042859077454},{"text":"No. No. That's fine. No?","start_word":12911,"end_word":12915,"sentiment":"neutral","sentiment_score":-0.03402369096875191},{"text":"Perfect.","start_word":12916,"end_word":12916,"sentiment":"positive","sentiment_score":0.48484548926353455},{"text":"I'm quite If you happy think with of anything, what though you spoke no.","start_word":12917,"end_word":12930,"sentiment":"neutral","sentiment_score":0.07897626608610153},{"text":"That's about all so good.","start_word":12931,"end_word":12935,"sentiment":"positive","sentiment_score":0.4914871156215668},{"text":"far. Yeah. If you do have anything, let me know. Like I said, if you have anyone, more than happy for them to email me. Just let them know to put your details in, just your your first name Yeah. and Yeah. last name, especially from the conversation today. I'll I'll know that, and we'll see if we can help them as well.","start_word":12936,"end_word":12998,"sentiment":"neutral","sentiment_score":0.2199883908033371},{"text":"But, otherwise, I hope you enjoy the rest of your afternoon there, Barry, and we look forward to speaking with you on Tuesday. Okay. Thank you.","start_word":12999,"end_word":13024,"sentiment":"positive","sentiment_score":0.5211405158042908},{"text":"Mhmm.","start_word":13025,"end_word":13025,"sentiment":"neutral","sentiment_score":0.18464535474777224},{"text":"Thanks for No problem.","start_word":13026,"end_word":13029,"sentiment":"positive","sentiment_score":0.4160541594028473},{"text":"having We'll no a problem. We'll speak go. soon. Sixteen. Bye. Bye.","start_word":13030,"end_word":13041,"sentiment":"neutral","sentiment_score":0.1964298039674759}],"average":{"sentiment":"neutral","sentiment_score":0.06409120874622937}}}}