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Yep. Fantastic. I do apologize. There's some beeping in the background. All good. All good. Janet, before we jump into the call, just to let you know we do record our calls for quality and training purpose. Is that you happy to proceed with that? Yes. Fantastic. And, also, just to do a quick security check there with you, we are discussing your personal information. So if I can please ask you to confirm your full name, your date of birth, and address I should have on file there for you. Yep. And your full name and date of birth? Yeah. Beautiful. Thank you so much for that, Dammit. Now we normally do send some annual review documents through to you to kinda go through with us. Your it sounds like you're in the car or driving at the moment, so I'm gonna assume you probably don't have access to your emails. Am I correct in that? Or you you can? Yeah. That's okay. I'm gonna send that through to you now if you're able to jump into your emails there. Please don't if it's gonna be unsafe in any way, shape, or form. But if you are able to, that would be fantastic just so we can go through things together. Yeah. Should come through from Odoo sign or myself, Dana, at Odoo Financial. Sorry. You've got that there? That's okay. Beautiful. Fantastic. All good. So when we're looking at the email, if you press the button that takes you through to the next documents, I do believe it says sign here or documents to sign. It won't ask you to sign anything for the moment. It's just so we can kinda go to those documents together. And the first one should just show you a summary of your superannuation and your insurance as noted there. Is that working for you? Fantastic. So sorry about that. All good. So with your balances at the moment, so when I had a look back at your annual review last year, I pulled up your balances to see a bit of a comparison there. So your balance within Hub twenty four at the time was $179,005.56, and you had about 17,000 sitting in your c bus account there as well. As of this annual review for the August 19, your super balance in Hub twenty four is up to $203,007.37 and 49¢, and you've got a bit over 26,000 sitting in sea bus there. So we have had a bit of growth issue, which is good to see. Okay? If you are able to go to the next document along, you will see your internal rate of return showing you a bit of an update of your portfolio performance for the year. The second page of that and looking at the second last column, it does show essentially for the year in within hub twenty four, you've received a 5.24% return. So, realistically, within a high growth portfolio, it is a little bit lower than where we sort of expect for the one year, but with what's been happening globally there, and looking at your portfolio, you've come up with a positive return, and it does show that earnings are about 13,985 for the year there as well. So all in all, it's a good positive return. It is also got to do with the fact there's no contributions in the hub 24. All your contributions are going into Cbus. So this is essentially what the portfolio has done for the year just on its own working. So it's not in any way, shape, or form bad. You have been on board for around about two years at this point as well, and I did go back to have a look at what the average return was based on that two year time frame. Essentially, since coming on board in 2024, you've essentially had a 19 sorry. 19.32% return. So when we kinda average that out over the two years, you've made about 9.66% on a yearly basis compounding forward. So it is a good return. You are well within that high growth kind of environment. It's just that some years the returns will be higher than others. It just depends upon markets, what happens globally, and how markets do react there. Does that make sense so far? Do you have any questions at all, damn it? Yeah. That's that's understandable. I mean, there are it is important to note that you are in a high growth environment as well, so there's no guarantees that you're going to get a high return every year. You are taking on more risk in the market, so you are in a high growth kind of area. That does essentially mean that taking on more risk means that when the returns are higher, you are likely to get a much greater return and feel that, which is great. However, when the markets do take a bit of a dip as your balance increases, you are gonna feel that as well. And that is across the board with what's happened essentially globally in the market. That's something that every super fund has been feeling, not just yourself. So it's understandable that you may not be overly impressed with the return this year. It's also good to take advantage of the downtime and keep putting money into your super and kinda building on that. But there's no guarantee returns are going to be really good. Insane that in that high growth environment, if you're getting anywhere between a eight to 10% return on a yearly basis and compounding that forward, that keeps you with your average returns about where you're sort of where we would like you to see tracking. It's the average return of high growth portfolio should be able to obtain. And when we look at the last two years that you have been onboard, you've definitely been able to obtain that. As I said, it's a a compound of return of 9.66% over the two years thus far. So you are within that range. So I do understand that you may not be overly impressed, but it is important to understand the risk level and how markets react, and that you're not gonna get a high return or a 15% return every year. There are years where you expect a negative return or a lower return. In saying that, I can see some changes that I could look to make to your portfolio. I can see that there are some investments that would be would be beneficial to maybe swap out for you. The Better Long Australian Equities portion is kind of down. That investment probably shouldn't be as low as it is at the moment. And it does look like there are some other changes that we can make to your portfolio. If you'd like me to go back and review the portfolio or maybe update the advice for you. Yeah. You are. Yeah. You are. So when you think about the risk level that you're in, I say risk out of number between one and five, five being a high you know, all invested in equities and the highest level of risk, and one being the lowest sitting all in cash, you're sitting at about a four. So in that high growth environment, you have about 90% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and commodities, and then also only that 10% in lower risk defensive investments there as well. That's things like cash, bonds, and fixed interest. So you really realistically are taking a little bit more risk in the market to obtain greater potential returns when the market is performing. Yeah. Did you feel like you should be maybe reducing the risk level? Do you wanna maybe look at considering that a little bit? Yeah. Absolutely. And, look, you've come out with a positive return this year, so that's not actually too bad. A lot of super funds out there this year have had a lot of struggling. A lot of markets have been very down, so you have still had a positive return. Even without contributions, the other thing to think about and remember is that your contributions are going into SeaBus. So that's helping your SeaBus account along. Hub twenty four, that 5% return, which is a as a dollar figures of return a bit over $13,900, that's just the growth and the dividends that the portfolio has produced on its own, which is being reinvested back into the portfolio. So a 5% return and a $13,000 return with growth in income with no contributions is actually not a bad return for the market. Yeah. There's no no kind of assistance there for your portfolio. It's just what it's doing on its own. And, admittedly, understandably, you probably wanna see more out of that, but it is also a long term investment. There's no such thing as a get rich quick scheme. It's about making sure you're getting consistent returns over time and compounding that towards your retirement goals. Does that make sense? Yeah. Beautiful. Beautiful. I never wanna lie to you or be dishonest there, but it is really important that we focus on the long term aspect of of super. And I know you do have two funds at the moment there. I have had a look at your portfolio, and there's definitely some advice I can look at. I can go back and review the super fund as well as the investments within that for you. I'd love to update the advice and maybe make some changes to your portfolio to keep it working harder for you if you're comfortable with me doing so. Yeah. All oh, good. All good. And, look, honestly, Dammit, you don't have to be high growth if it's not comfortable for you. So if at any point you find that you are not comfortable with those ups and downs in the market, admittedly, when your balance increases, you are definitely gonna feel those a lot more as well. So if you think about someone with $50,000 in sleep when they get a five percent return, that 5% return is much lower. Whereas someone with $5,500,000 in super, that same 5% return makes a much greater effect for them. So please let me know if you start to feel nervous with the market ups and downs, and we can always start to reduce your risk level. I would be looking at the high growth environment generally suits someone who's about eight years away from accessing their super. So when you kinda get to that, you know, seven to eight year time horizon, I would definitely be asking and trying to pull you back a little bit as well. That way, we're sort of not taking too much risk as you get closer and closer to your retirement. Does that make sense? Yeah. All good. Do you have further questions from any of that? Is there any questions that have come out of the conversation so far at all? Yeah. That's perfectly happily to do that for you. Not a problem at all. Excellent. Now the other thing I just wanted to sort of bring out there was obviously your insurances. So we had retained your fee bus back when you came on board originally. I believe you have lupus. Is that right? Yeah. Yeah. Can I ask how is everything going with your lupus? Has it sort of flared up? Have you had any symptoms or had any time off work with regard to the condition? No. All all good. Happy. When was the last time that you had a flare up? Oh, yeah. Yeah. And that's when they diagnosed you, and you've not really had any ongoing symptoms there since, which is good. Excellent. Excellent. Excellent. So the main reason, obviously, for retaining C Bus was due to the lupus there. With your life cover, if you think about the insurances you have at the moment, if you were to pass away today within c bus there, your life cover currently pays out a benefit of 52,000. Now if you think about how life cover is structured, if you did and this is hypothetical. I would love. I don't want anything to happen to you. But if you were to pass away, your beneficiaries could claim the life cover of 52,000, but then also your super benefit can be paid out on top of that as well. So if we think about that, you've got $203,007.37, 26,028 in c bus, and then 52,000 of life cover. Theoretically, based on your current circumstances, your beneficiaries could receive about 281,675. Do you feel between your insurances and your super that that is a preferred benefit, or would you like to maybe look at trying to obtain something a little bit different? What's your thoughts? Well, I can go back. I know if you have had your lupus for a long period of time and you haven't had any symptoms or flare ups, I could go out to the market and see if we're able to obtain any top up cover for you, increase the level of cover you have to make sure it aligns with your goals, or see what I can do with the cover that you've got. It would. Yeah. So if you're increasing your insurance cover, it does the premiums do tend to go up because you're paying for the extra cover. You have options where you can pay for it personally if you prefer not to have it coming out of your super, But most people hold insurances and hold them inside super so they're not having to pay those premiums out of their back pocket. In saying that if you're happy with the level of cover you have and it meets your goals that you don't wanna review it, that's absolutely fine. I just wanted to sort of see what what you would like to see, what level of cover is appropriate to you, and see what I can do to help you there. Leave it as is? Yeah. Beautiful. Excellent. And now you've also got some total permanent disability. Do you know and understand how TBD works or what total permanent disability covers and how it pays out? No. That's okay. So TBD is a disability cover. It pays out either a lump sum benefit or an income stream in the event that you're totally incapacitated, say, you broke your back and could never go back to work again as an example. TBD, the level of cover you have is 26,000. So if in the event of a claim, you could claim the 26,000 from Cbus. It's important that I let you know, unfortunately, TBD is actually a taxable payment. So if you were under 60 and you claimed TBD, we can also release or get access to your super to release that benefit. But then if you take the whole amount out, you can be taxed at up to 22% depending on a few factors there. Do you feel like the level of cover you have is appropriate for TBD? Did you wanna look at trying to get something a little bit different, or do you have any questions in relation to what I've just gone through? You happy with that? That's okay. Do you have any questions, Dermot? I know some people hear that and go, oh my god. Is there is there anything you wanted to ask me or have me clarify further for you in relation to it? That's that's okay. Now there are other types of personal insurance that I do have to touch on for you. So you don't have any income protection. How would you do you have much in the way of sick leave, annual leave, or savings that you could fall back on if you weren't able to go to work in the short term? How would you cover your expenditure if you weren't able to go to work? Yep. Excellent. And you've got plenty of sick leave, annual leave, and a long service leave? Yep. Beautiful. Excellent. And you're happy not worrying about income protection there at all? No. That's okay. That's absolutely fine. If at any point you decide that you wanna have that conversation in more detail, please let me know. You're not limited to one review a year. If you wanna have more conversations or do you want more catch ups, please let me know. Okay? Excellent. Fantastic. Now there are other types of covers like trauma and child trauma. I'm looking at your circumstances here. You do have some dependent children. Is that right? One? How how old? 17? Wow. How were the teenage years? Oh, fantastic. That's great. Excellent. So there are other types of personal insurances that you can obtain. Given your child is slightly older than the entry age, their child trauma wouldn't really be an option. But you can cover yourself for additional type of, like, traumatic illnesses like cancer, heart attack, stroke, certain neurological conditions by obtaining a certain level of trauma cover. Trauma does have to be paid outside of super. Are you open to looking at any additional cover outside of what you already have that may provide benefit in the event of a major diagnosis? No. That's okay. Beautiful. Do you have any questions about the insurance aspect or anything I've kind of told you today just to sort of clarify? No. Excellent. Fantastic. Just running through a couple of additional circumstances there for you. Now I've got down here that, Christine, I believe, sorry, is your wife is your next of kin. That's all still okay? Still married? Yep. Yep. Beautiful. Income wise, you were on about a 112,000 when we caught up last time. Has your income increased? Have you been lucky enough to get a a pay rise at all? Oh, fantastic. Excellent. Well, congratulations. Overtime. Yeah. Beautiful. And do you do quite a lot of overtime? Yeah. Yeah. Beautiful. Are you finding that you're able to save much out of your income on a regular basis, like, on a weekly or fortnightly basis, or is all of your income kinda going towards your family expenses? You are saving? If you had to put it into a dollar figure, how much would you say you would save? She's a good seller, isn't she? I was just popped down here that you're not really sure. That's absolutely fine. Now to sort of if there was an option to kind of help provide a boost to your sofa, would you be open to making additional contributions, salary sacrifice, and things like that to help your super grow towards your goals, or would you prefer not? What's your thoughts with that? Yep. That's okay. Not a problem at all. Beautiful. And I've got your assets notice. Your main primary residence, we had a value on that of about 1,400,000 last year. What kind of value would you put on your house now do you think? Yep. Beautiful. And we had a loan owing on the property of about 500,000. Have you been able to reduce that since then? Still the same? That's okay. We also had your boat down here with a value of 30,000. Would you still value your boat about the same? Similar? Yeah. Do you get out very often? Not enough. And I've also got your Hilux here as well. Asset value of 20,000. Would you keep that the same or alter that valuation? 15? Yeah. Absolutely. Beautiful. And then we've also got a Volkswagen here as well with a value of 56,000 on it. How would you value your Volkswagen? Just yeah. 40? Beautiful. And we had a loan owing on that of about 35,000. Have you reduced the loan a bit? No. That's okay. Beautiful. And any other assets do you have? Any other shares, cryptocurrency, collections, or anything else of value that you would sorta note down? No. All good. Any credit cards or personal loans or any other liabilities? No. That's okay. Another thing to think about that a lot of people don't sorta note down as an asset is more like contents. Because, theoretically, we, you know, we go back and we insure our contents for if anything was to happen. And if you did need money quickly, you would be selling things off to try and liquidate to get cash fast. Do you have a contents insurance on your property that you're aware of? About 60,000 in value? Beautiful. Excellent. A lot of people don't think about contents as a bit of an asset, but it is considered still technically an asset. That's absolutely fine. The other thing to sort of look at here is the estate planning side of things. Now from what I can see, you don't have a will or power of attorney or sort of guardianship documents in place there. Have you ever spoken you you like, you and your wife ever had that conversation and talked about doing your estate planning and seeing a solicitor for those services? It's on the list, is it? Yeah. That's okay. So with your beneficiary side of things at the moment, it does look like having a look at what I've got. Your super beneficiary for your hub 24, you have it noted as a 100% to Christine for your spouse in the event of something happening. That sounds fairly appropriate given that you are married, but that is correct in how you prefer that to be nominated. Yep. Beautiful. I'm just double checking. So with Cbus there, we have 99% directed to Christine as your wife, and then we have 1% to Noah. Is that how sorry. I think I said my apologies. Nora. Is that right? And it's right. Because it says his son, so it's being ticked off as a child. Okay. So, realistically, the beneficiary within CBAS doesn't look like it has been nominated correctly. Therefore, the the nomination technically would be invalid if at the time of claim. To kind of go through, when you are nominating a beneficiary, there are legislative requirements that you have to follow. So theoretically realistically, under legislation, your mom doesn't really qualify as a person who can receive the benefit. Under legislation for being a beneficiary, it can only be nominated to your children, your wife or spouse, someone who lives with you and relies on you financially. So your mom could be nominated if she is an independent person or lives with you. You sort of supply and look after her and pay for her bills, she has to rely on you financially to be considered a dependent, essentially. Does she qualify as a dependent based on that? No. No. That's okay. We can set up a couple of different ways. So if you wanted to have her nominated as part of your beneficiary, you would need to direct the portion that you wanna pay to her through your estate, so through your will. We do that by essentially taking a legal personal representative, and that means that if you pass away, the percent of your your super that you've nominated to be paid to your legal personal representative goes into your will. And then in the body of your will, that needs to be directed to your mom nice and clear as to how much or what percentage goes to her directly. The other part of your nomination known as Chrissy, your wife, that is still valid, and you've noted a 100% here. The other option is if you just want everything to go to your wife, you can nominate her for a 100%. But at the moment, the c bus beneficiary nomination, unfortunately, is considered invalid. And if you were to be passed away, your wife could follow through with her part of it, but your mom would essentially be declined if she went to claim on that, which could be not preferable given the circumstances if she lost her son and, you know, she was trying to claim on that benefit to look after herself. Did you want us to help you update that? Yeah. Absolutely. Are you comfortable with us pre filling that nomination for you to make it easier? Yeah. Beautiful. And speaking to your wife as well, like, definitely have that conversation around the estate planning, setting up a will of have attorney, things like that. That is really important to make sure that everything you've worked really hard for. You're working phenomenal hours, and you're working overtime, and you've got your house and all your savings, new cars, and things like that. So if anything was to happen to you, having a will in place is really important to protect everything that you've worked so hard for. And, also, having a power of attorney in place and nominating someone to make financial and or medical decisions on your behalf in the event that you're not able to is also really important to do. And making sure they know what or how you would want them to act on your behalf in the event of something occurring to you. It's not an easy conversation to have, Sam, but it is definitely an important one to think about. Yeah. All go oh, good. Fantastic. Everything looks like it's pretty well on par for the moment. Now just confirming, occupation wise, you're a plant operator in civil construction. Is that still correct? Yeah. Beautiful. Excellent. And just sort of looking at because I'm gonna update your super and go back and reassess everything for you. I'll look at the hub 24 and the c bus, look at how everything's invested, make sure it's all in line, and make some updated recommendations there for you. Looking at your goals now, are you kind of hoping to be able to access super as the earliest available opportunity, or what age do you think you'll hope to retire and fully access super? Yep. Probably 67. Is that the age that you're assuming you're able to under the law, or is that just the age you would wanna access it? Well, I can give you some good news because you can actually if you fully retire at the age of 60 within, you know, intention of retiring, you can access your super at that age. That's preservation age now. If you work through to 65, regardless of whether you're working or not, they will then allow access to your super. And age 67, if you're eligible, is the age that you can apply for the age pension through Centrelink, essentially. Yeah. At the moment, I can double check for you. Because it's just about to possibly go up. It is indexed twice a year. At the current rate for a couple combined, it's $1,800. A single person gets 1,290, and if one person's eligible and the other person isn't, it's about $905 per fortnight. Yeah. So, realistically, the way I sort of try to work it with a lot of my older clients is when they get to that age of accessing the age pension, we try to apply for as much as we possibly can, and then we supplement that with super. So you're getting a little bit from the age pension, a little bit from super, and that's hopefully gonna get longevity out of your super and make it last as long as possible for you. Yeah. Yeah. Fantastic. Do you think age 60 still preferable, or did you want me to work on an earlier age for you for accessing your super as a goal? Keep eight sixty seven. Not a problem at all. Beautiful. And sort of thinking, Ward, do you have any other goals that you're looking to sort of achieve? No. That's okay. No other investments that you're looking to sort of grow or build? You're just sort of working and looking at your super and maybe access some age pension in the future as well? Yep. That's okay. That's absolutely fine. And I'm just reconfirming. So just to reconfirm and make sure I've got everything covered for you, I'll go back and reassess your supers, the investments, and see how they're working, look at you know, updating the recommendations to make sure they're working as hard as possible for you. You're happy to retain the life and TPD you have now. We're not looking at any additional insurances and the estate planning side of things. Just making sure your beneficiaries are nominated so that your wife receives a 100% of the benefit you were to pass away. Am I on the right track? Have I missed anything at all? Oh, fantastic. Lovely. The only other goal I wanted to touch on was your mortgage. Are you hoping to sorta have that fully paid down by the time you hit retirement, or are you sorta not worried just chipping away at it through the years? Yeah. Beautiful. Fourteen more years to go. Excellent. Well, you're still nice and young. Don't ever think that you're too old. And within that fourteen years, you've got plenty of time to pay your mortgage down and build your super up. Oh, goddamn it. The last thing to kinda let you know is in that email DocuSign there, we do have essentially the ongoing services agreement for the twelve months there. So for us to remain as your servicing adviser and provide advice and help you along, we do need you to sign and return that back. Our fee structure essentially has been the same for the last few years. It's been 1.65% per annum. We have recently updated that. So, essentially, with your with the fee structure now, it's a tiered structure. So when your balance hits 200,000 as it has as it has now, it does mean that you tip over into the next tier. So balance is up to 200,000. You pay 1.65 percent per annum. When your balance goes over into the next tier, it drops down to 1.375. So each tier that you drop down as your balance increases, we actually reduce the percentage of the tier. So the fee structure won't be sort of fluctuating as much, and we set it as a dollar figure to give you more clarity around the fee for the year. I'm just pulling up the ongoing service agreement for you in this document. So it essentially shows based on your balance, this year's ongoing service fee is expected to be 3,518 and 96¢. It used to be that it used to fluctuate with the market. So if you received, you know, a lot of contributions and or, you know, 20% return, our fee would increase with that. Our fee no longer happens. It is a set dollar figure fee based on the percentage you're on, so you'll never pay more than what you've actually been quoted there. Okay? Yeah. The idea is that we do have to with the essentially, with the cost of advice, we do have to charge a fee for our services for the research, the advice we provide in keeping you on track for your retirement. But we also wanna make sure that as your balance increases, that the tier you're in decreases a little bit. So as your balance increases, the percentage you pay on your ongoing service agreement will start to decrease a little bit for you to sort of provide more benefit. And instead of just giving you an estimate, we do it as a set dollar figure fee now so that it will be consistent. It gives you more clarity around how much you're going to certainly pay. It still includes any additional advice that we're providing with regard to your super. So we're not there's no implementation fees for this additional advice. It's all part of our services, part of that ongoing service agreement. Does that make sense? Do you have any questions? Yep. Beautiful. Yeah. Yep. Well, what I'll get you to do, if you're comfortable and you would like the advice provided this year, we do have to get you to sign the service agreement so as to be able to provide the advice and assist you moving forward. If at any point you choose to not sign the agreement and don't wish to seek advice, it's fine. It just means that you'll be needing to look after your super and the insurances and decide whether you kind of roll them back or retain the hub, making sure that you're aware of the risk level and the investments and how everything is set up. The benefit to having an adviser is that we do review things regularly for you, update the advice, and clarify the risk levels. So at the moment, you told me you're happy to stay in that high growth environment there. You wanna take that greater risk for the greater potential returns. But down the track, you may not be comfortable taking those sorts of risks. And one of what one of the things that we do aside from updating advice and changing things for you is making sure that we can determine when that time is to reduce that risk level and help you to reduce that in line with your goals and needs so that when you get to retirement, you're not sitting in a year out and seeing a, you know, a 40% major dip on your super. The idea is we're trying to protect your capital by that point and reduce the risk level so you're not going into retirement after seeing a big 40 or 50 or 60% dip like the GFC kinda source. So there are those advantages there. Obviously, we wanna make sure your returns are working for you, and that is a big factor. The whilst you did receive a 5% return this year, that is net. That's after our fee came out. So that's what you know, you still made $13,000 after our ongoing service fee. So you did make enough out of your super for our services, plus additional growth there that was compounding for your super. So it is definitely working. If at any point I find there's no value to it or you find there's no value to it, you're welcome to let me know, and we'll happily turn it off for you and seize our services. But, if you are wanting the advice this time around, I will need you to sign and return that back there for me. Okay? Excellent. I I easy. I also just wanna clarify. Would you like me to do a catch up with you in the next few months as well just to sort of provide a little bit more value and, yeah, a little bit more clarity on what's happening with your super moving forward? Did you wanna catch up every sort of three or six months? What would you like to see, damn it? Six months? Yeah. That brings us to about February. That'd be okay? Yeah. Beautiful. What I'll get you to do is when you got some time signed and return that document back there, I'll get been stuck into the research. My team will give you a callback in a few weeks and rebook the time to go through the updated advice. We'll get those changes in place and get things working a little bit for you, and then I'll make sure I do some catch ups with you down the track to keep you on track and make sure things are working hard for you. Does that sound okay? Beautiful. Look. Thank you so much. I apologize for the time. I've taken up way too much of your time, but I appreciate your time today to go through things. I look forward to putting this advice together for you. And if you have any questions, you are welcome to let me know at any point. Okay? No worries, Dermot. You have a great day. Don't work too hard. Thank you. See you later. 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Dammit. This is Dana from Oakley Financial. How are you this morning? That's good. I had you booked in to go through your annual review this morning.\n\nIs now still a good time there for you? Yep. Fantastic. I do apologize. There's some beeping in the background.\n\nAll good. All good. Janet, before we jump into the call, just to let you know we do record our calls for quality and training purpose. Is that you happy to proceed with that? Yes.\n\nFantastic. And, also, just to do a quick security check there with you, we are discussing your personal information. So if I can please ask you to confirm your full name, your date of birth, and address I should have on file there for you. Yep. And your full name and date of birth?\n\nYeah. Beautiful. Thank you so much for that, Dammit. Now we normally do send some annual review documents through to you to kinda go through with us. Your it sounds like you're in the car or driving at the moment, so I'm gonna assume you probably don't have access to your emails.\n\nAm I correct in that? Or you you can? Yeah. That's okay. I'm gonna send that through to you now if you're able to jump into your emails there.\n\nPlease don't if it's gonna be unsafe in any way, shape, or form. But if you are able to, that would be fantastic just so we can go through things together. Yeah. Should come through from Odoo sign or myself, Dana, at Odoo Financial. Sorry.\n\nYou've got that there? That's okay. Beautiful. Fantastic. All good.\n\nSo when we're looking at the email, if you press the button that takes you through to the next documents, I do believe it says sign here or documents to sign. It won't ask you to sign anything for the moment. It's just so we can kinda go to those documents together. And the first one should just show you a summary of your superannuation and your insurance as noted there. Is that working for you?\n\nFantastic. So sorry about that. All good. So with your balances at the moment, so when I had a look back at your annual review last year, I pulled up your balances to see a bit of a comparison there. So your balance within Hub twenty four at the time was $179,005.56, and you had about 17,000 sitting in your c bus account there as well.\n\nAs of this annual review for the August 19, your super balance in Hub twenty four is up to $203,007.37 and 49¢, and you've got a bit over 26,000 sitting in sea bus there. So we have had a bit of growth issue, which is good to see. Okay? If you are able to go to the next document along, you will see your internal rate of return showing you a bit of an update of your portfolio performance for the year. The second page of that and looking at the second last column, it does show essentially for the year in within hub twenty four, you've received a 5.24% return.\n\nSo, realistically, within a high growth portfolio, it is a little bit lower than where we sort of expect for the one year, but with what's been happening globally there, and looking at your portfolio, you've come up with a positive return, and it does show that earnings are about 13,985 for the year there as well. So all in all, it's a good positive return. It is also got to do with the fact there's no contributions in the hub 24. All your contributions are going into Cbus. So this is essentially what the portfolio has done for the year just on its own working.\n\nSo it's not in any way, shape, or form bad. You have been on board for around about two years at this point as well, and I did go back to have a look at what the average return was based on that two year time frame. Essentially, since coming on board in 2024, you've essentially had a 19 sorry. 19.32% return. So when we kinda average that out over the two years, you've made about 9.66% on a yearly basis compounding forward.\n\nSo it is a good return. You are well within that high growth kind of environment. It's just that some years the returns will be higher than others. It just depends upon markets, what happens globally, and how markets do react there. Does that make sense so far?\n\nDo you have any questions at all, damn it? Yeah. That's that's understandable. I mean, there are it is important to note that you are in a high growth environment as well, so there's no guarantees that you're going to get a high return every year. You are taking on more risk in the market, so you are in a high growth kind of area.\n\nThat does essentially mean that taking on more risk means that when the returns are higher, you are likely to get a much greater return and feel that, which is great. However, when the markets do take a bit of a dip as your balance increases, you are gonna feel that as well. And that is across the board with what's happened essentially globally in the market. That's something that every super fund has been feeling, not just yourself. So it's understandable that you may not be overly impressed with the return this year.\n\nIt's also good to take advantage of the downtime and keep putting money into your super and kinda building on that. But there's no guarantee returns are going to be really good. Insane that in that high growth environment, if you're getting anywhere between a eight to 10% return on a yearly basis and compounding that forward, that keeps you with your average returns about where you're sort of where we would like you to see tracking. It's the average return of high growth portfolio should be able to obtain. And when we look at the last two years that you have been onboard, you've definitely been able to obtain that.\n\nAs I said, it's a a compound of return of 9.66% over the two years thus far. So you are within that range. So I do understand that you may not be overly impressed, but it is important to understand the risk level and how markets react, and that you're not gonna get a high return or a 15% return every year. There are years where you expect a negative return or a lower return. In saying that, I can see some changes that I could look to make to your portfolio.\n\nI can see that there are some investments that would be would be beneficial to maybe swap out for you. The Better Long Australian Equities portion is kind of down. That investment probably shouldn't be as low as it is at the moment. And it does look like there are some other changes that we can make to your portfolio. If you'd like me to go back and review the portfolio or maybe update the advice for you.\n\nYeah. You are. Yeah. You are. So when you think about the risk level that you're in, I say risk out of number between one and five, five being a high you know, all invested in equities and the highest level of risk, and one being the lowest sitting all in cash, you're sitting at about a four.\n\nSo in that high growth environment, you have about 90% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and commodities, and then also only that 10% in lower risk defensive investments there as well. That's things like cash, bonds, and fixed interest. So you really realistically are taking a little bit more risk in the market to obtain greater potential returns when the market is performing. Yeah.\n\nDid you feel like you should be maybe reducing the risk level? Do you wanna maybe look at considering that a little bit? Yeah. Absolutely. And, look, you've come out with a positive return this year, so that's not actually too bad.\n\nA lot of super funds out there this year have had a lot of struggling. A lot of markets have been very down, so you have still had a positive return. Even without contributions, the other thing to think about and remember is that your contributions are going into SeaBus. So that's helping your SeaBus account along. Hub twenty four, that 5% return, which is a as a dollar figures of return a bit over $13,900, that's just the growth and the dividends that the portfolio has produced on its own, which is being reinvested back into the portfolio.\n\nSo a 5% return and a $13,000 return with growth in income with no contributions is actually not a bad return for the market. Yeah. There's no no kind of assistance there for your portfolio. It's just what it's doing on its own. And, admittedly, understandably, you probably wanna see more out of that, but it is also a long term investment.\n\nThere's no such thing as a get rich quick scheme. It's about making sure you're getting consistent returns over time and compounding that towards your retirement goals. Does that make sense? Yeah. Beautiful.\n\nBeautiful. I never wanna lie to you or be dishonest there, but it is really important that we focus on the long term aspect of of super. And I know you do have two funds at the moment there. I have had a look at your portfolio, and there's definitely some advice I can look at. I can go back and review the super fund as well as the investments within that for you.\n\nI'd love to update the advice and maybe make some changes to your portfolio to keep it working harder for you if you're comfortable with me doing so. Yeah. All oh, good. All good. And, look, honestly, Dammit, you don't have to be high growth if it's not comfortable for you.\n\nSo if at any point you find that you are not comfortable with those ups and downs in the market, admittedly, when your balance increases, you are definitely gonna feel those a lot more as well. So if you think about someone with $50,000 in sleep when they get a five percent return, that 5% return is much lower. Whereas someone with $5,500,000 in super, that same 5% return makes a much greater effect for them. So please let me know if you start to feel nervous with the market ups and downs, and we can always start to reduce your risk level. I would be looking at the high growth environment generally suits someone who's about eight years away from accessing their super.\n\nSo when you kinda get to that, you know, seven to eight year time horizon, I would definitely be asking and trying to pull you back a little bit as well. That way, we're sort of not taking too much risk as you get closer and closer to your retirement. Does that make sense? Yeah. All good.\n\nDo you have further questions from any of that? Is there any questions that have come out of the conversation so far at all? Yeah. That's perfectly happily to do that for you. Not a problem at all.\n\nExcellent. Now the other thing I just wanted to sort of bring out there was obviously your insurances. So we had retained your fee bus back when you came on board originally. I believe you have lupus. Is that right?\n\nYeah. Yeah. Can I ask how is everything going with your lupus? Has it sort of flared up? Have you had any symptoms or had any time off work with regard to the condition?\n\nNo. All all good. Happy. When was the last time that you had a flare up? Oh, yeah.\n\nYeah. And that's when they diagnosed you, and you've not really had any ongoing symptoms there since, which is good. Excellent. Excellent. Excellent.\n\nSo the main reason, obviously, for retaining C Bus was due to the lupus there. With your life cover, if you think about the insurances you have at the moment, if you were to pass away today within c bus there, your life cover currently pays out a benefit of 52,000. Now if you think about how life cover is structured, if you did and this is hypothetical. I would love. I don't want anything to happen to you.\n\nBut if you were to pass away, your beneficiaries could claim the life cover of 52,000, but then also your super benefit can be paid out on top of that as well. So if we think about that, you've got $203,007.37, 26,028 in c bus, and then 52,000 of life cover. Theoretically, based on your current circumstances, your beneficiaries could receive about 281,675. Do you feel between your insurances and your super that that is a preferred benefit, or would you like to maybe look at trying to obtain something a little bit different? What's your thoughts?\n\nWell, I can go back. I know if you have had your lupus for a long period of time and you haven't had any symptoms or flare ups, I could go out to the market and see if we're able to obtain any top up cover for you, increase the level of cover you have to make sure it aligns with your goals, or see what I can do with the cover that you've got. It would. Yeah. So if you're increasing your insurance cover, it does the premiums do tend to go up because you're paying for the extra cover.\n\nYou have options where you can pay for it personally if you prefer not to have it coming out of your super, But most people hold insurances and hold them inside super so they're not having to pay those premiums out of their back pocket. In saying that if you're happy with the level of cover you have and it meets your goals that you don't wanna review it, that's absolutely fine. I just wanted to sort of see what what you would like to see, what level of cover is appropriate to you, and see what I can do to help you there. Leave it as is? Yeah.\n\nBeautiful. Excellent. And now you've also got some total permanent disability. Do you know and understand how TBD works or what total permanent disability covers and how it pays out? No.\n\nThat's okay. So TBD is a disability cover. It pays out either a lump sum benefit or an income stream in the event that you're totally incapacitated, say, you broke your back and could never go back to work again as an example. TBD, the level of cover you have is 26,000. So if in the event of a claim, you could claim the 26,000 from Cbus.\n\nIt's important that I let you know, unfortunately, TBD is actually a taxable payment. So if you were under 60 and you claimed TBD, we can also release or get access to your super to release that benefit. But then if you take the whole amount out, you can be taxed at up to 22% depending on a few factors there. Do you feel like the level of cover you have is appropriate for TBD? Did you wanna look at trying to get something a little bit different, or do you have any questions in relation to what I've just gone through?\n\nYou happy with that? That's okay. Do you have any questions, Dermot? I know some people hear that and go, oh my god. Is there is there anything you wanted to ask me or have me clarify further for you in relation to it?\n\nThat's that's okay. Now there are other types of personal insurance that I do have to touch on for you. So you don't have any income protection. How would you do you have much in the way of sick leave, annual leave, or savings that you could fall back on if you weren't able to go to work in the short term? How would you cover your expenditure if you weren't able to go to work?\n\nYep. Excellent. And you've got plenty of sick leave, annual leave, and a long service leave? Yep. Beautiful.\n\nExcellent. And you're happy not worrying about income protection there at all? No. That's okay. That's absolutely fine.\n\nIf at any point you decide that you wanna have that conversation in more detail, please let me know. You're not limited to one review a year. If you wanna have more conversations or do you want more catch ups, please let me know. Okay? Excellent.\n\nFantastic. Now there are other types of covers like trauma and child trauma. I'm looking at your circumstances here. You do have some dependent children. Is that right?\n\nOne? How how old? 17? Wow. How were the teenage years?\n\nOh, fantastic. That's great. Excellent. So there are other types of personal insurances that you can obtain. Given your child is slightly older than the entry age, their child trauma wouldn't really be an option.\n\nBut you can cover yourself for additional type of, like, traumatic illnesses like cancer, heart attack, stroke, certain neurological conditions by obtaining a certain level of trauma cover. Trauma does have to be paid outside of super. Are you open to looking at any additional cover outside of what you already have that may provide benefit in the event of a major diagnosis? No. That's okay.\n\nBeautiful. Do you have any questions about the insurance aspect or anything I've kind of told you today just to sort of clarify? No. Excellent. Fantastic.\n\nJust running through a couple of additional circumstances there for you. Now I've got down here that, Christine, I believe, sorry, is your wife is your next of kin. That's all still okay? Still married? Yep.\n\nYep. Beautiful. Income wise, you were on about a 112,000 when we caught up last time. Has your income increased? Have you been lucky enough to get a a pay rise at all?\n\nOh, fantastic. Excellent. Well, congratulations. Overtime. Yeah.\n\nBeautiful. And do you do quite a lot of overtime? Yeah. Yeah. Beautiful.\n\nAre you finding that you're able to save much out of your income on a regular basis, like, on a weekly or fortnightly basis, or is all of your income kinda going towards your family expenses? You are saving? If you had to put it into a dollar figure, how much would you say you would save? She's a good seller, isn't she? I was just popped down here that you're not really sure.\n\nThat's absolutely fine. Now to sort of if there was an option to kind of help provide a boost to your sofa, would you be open to making additional contributions, salary sacrifice, and things like that to help your super grow towards your goals, or would you prefer not? What's your thoughts with that? Yep. That's okay.\n\nNot a problem at all. Beautiful. And I've got your assets notice. Your main primary residence, we had a value on that of about 1,400,000 last year. What kind of value would you put on your house now do you think?\n\nYep. Beautiful. And we had a loan owing on the property of about 500,000. Have you been able to reduce that since then? Still the same?\n\nThat's okay. We also had your boat down here with a value of 30,000. Would you still value your boat about the same? Similar? Yeah.\n\nDo you get out very often? Not enough. And I've also got your Hilux here as well. Asset value of 20,000. Would you keep that the same or alter that valuation?\n\n15? Yeah. Absolutely. Beautiful. And then we've also got a Volkswagen here as well with a value of 56,000 on it.\n\nHow would you value your Volkswagen? Just yeah. 40? Beautiful. And we had a loan owing on that of about 35,000.\n\nHave you reduced the loan a bit? No. That's okay. Beautiful. And any other assets do you have?\n\nAny other shares, cryptocurrency, collections, or anything else of value that you would sorta note down? No. All good. Any credit cards or personal loans or any other liabilities? No.\n\nThat's okay. Another thing to think about that a lot of people don't sorta note down as an asset is more like contents. Because, theoretically, we, you know, we go back and we insure our contents for if anything was to happen. And if you did need money quickly, you would be selling things off to try and liquidate to get cash fast. Do you have a contents insurance on your property that you're aware of?\n\nAbout 60,000 in value? Beautiful. Excellent. A lot of people don't think about contents as a bit of an asset, but it is considered still technically an asset. That's absolutely fine.\n\nThe other thing to sort of look at here is the estate planning side of things. Now from what I can see, you don't have a will or power of attorney or sort of guardianship documents in place there. Have you ever spoken you you like, you and your wife ever had that conversation and talked about doing your estate planning and seeing a solicitor for those services? It's on the list, is it? Yeah.\n\nThat's okay. So with your beneficiary side of things at the moment, it does look like having a look at what I've got. Your super beneficiary for your hub 24, you have it noted as a 100% to Christine for your spouse in the event of something happening. That sounds fairly appropriate given that you are married, but that is correct in how you prefer that to be nominated. Yep.\n\nBeautiful. I'm just double checking. So with Cbus there, we have 99% directed to Christine as your wife, and then we have 1% to Noah. Is that how sorry. I think I said my apologies.\n\nNora. Is that right? And it's right. Because it says his son, so it's being ticked off as a child. Okay.\n\nSo, realistically, the beneficiary within CBAS doesn't look like it has been nominated correctly. Therefore, the the nomination technically would be invalid if at the time of claim. To kind of go through, when you are nominating a beneficiary, there are legislative requirements that you have to follow. So theoretically realistically, under legislation, your mom doesn't really qualify as a person who can receive the benefit. Under legislation for being a beneficiary, it can only be nominated to your children, your wife or spouse, someone who lives with you and relies on you financially.\n\nSo your mom could be nominated if she is an independent person or lives with you. You sort of supply and look after her and pay for her bills, she has to rely on you financially to be considered a dependent, essentially. Does she qualify as a dependent based on that? No. No.\n\nThat's okay. We can set up a couple of different ways. So if you wanted to have her nominated as part of your beneficiary, you would need to direct the portion that you wanna pay to her through your estate, so through your will. We do that by essentially taking a legal personal representative, and that means that if you pass away, the percent of your your super that you've nominated to be paid to your legal personal representative goes into your will. And then in the body of your will, that needs to be directed to your mom nice and clear as to how much or what percentage goes to her directly.\n\nThe other part of your nomination known as Chrissy, your wife, that is still valid, and you've noted a 100% here. The other option is if you just want everything to go to your wife, you can nominate her for a 100%. But at the moment, the c bus beneficiary nomination, unfortunately, is considered invalid. And if you were to be passed away, your wife could follow through with her part of it, but your mom would essentially be declined if she went to claim on that, which could be not preferable given the circumstances if she lost her son and, you know, she was trying to claim on that benefit to look after herself. Did you want us to help you update that?\n\nYeah. Absolutely. Are you comfortable with us pre filling that nomination for you to make it easier? Yeah. Beautiful.\n\nAnd speaking to your wife as well, like, definitely have that conversation around the estate planning, setting up a will of have attorney, things like that. That is really important to make sure that everything you've worked really hard for. You're working phenomenal hours, and you're working overtime, and you've got your house and all your savings, new cars, and things like that. So if anything was to happen to you, having a will in place is really important to protect everything that you've worked so hard for. And, also, having a power of attorney in place and nominating someone to make financial and or medical decisions on your behalf in the event that you're not able to is also really important to do.\n\nAnd making sure they know what or how you would want them to act on your behalf in the event of something occurring to you. It's not an easy conversation to have, Sam, but it is definitely an important one to think about. Yeah. All go oh, good. Fantastic.\n\nEverything looks like it's pretty well on par for the moment. Now just confirming, occupation wise, you're a plant operator in civil construction. Is that still correct? Yeah. Beautiful.\n\nExcellent. And just sort of looking at because I'm gonna update your super and go back and reassess everything for you. I'll look at the hub 24 and the c bus, look at how everything's invested, make sure it's all in line, and make some updated recommendations there for you. Looking at your goals now, are you kind of hoping to be able to access super as the earliest available opportunity, or what age do you think you'll hope to retire and fully access super? Yep.\n\nProbably 67. Is that the age that you're assuming you're able to under the law, or is that just the age you would wanna access it? Well, I can give you some good news because you can actually if you fully retire at the age of 60 within, you know, intention of retiring, you can access your super at that age. That's preservation age now. If you work through to 65, regardless of whether you're working or not, they will then allow access to your super.\n\nAnd age 67, if you're eligible, is the age that you can apply for the age pension through Centrelink, essentially. Yeah. At the moment, I can double check for you. Because it's just about to possibly go up. It is indexed twice a year.\n\nAt the current rate for a couple combined, it's $1,800. A single person gets 1,290, and if one person's eligible and the other person isn't, it's about $905 per fortnight. Yeah. So, realistically, the way I sort of try to work it with a lot of my older clients is when they get to that age of accessing the age pension, we try to apply for as much as we possibly can, and then we supplement that with super. So you're getting a little bit from the age pension, a little bit from super, and that's hopefully gonna get longevity out of your super and make it last as long as possible for you.\n\nYeah. Yeah. Fantastic. Do you think age 60 still preferable, or did you want me to work on an earlier age for you for accessing your super as a goal? Keep eight sixty seven.\n\nNot a problem at all. Beautiful. And sort of thinking, Ward, do you have any other goals that you're looking to sort of achieve? No. That's okay.\n\nNo other investments that you're looking to sort of grow or build? You're just sort of working and looking at your super and maybe access some age pension in the future as well? Yep. That's okay. That's absolutely fine.\n\nAnd I'm just reconfirming. So just to reconfirm and make sure I've got everything covered for you, I'll go back and reassess your supers, the investments, and see how they're working, look at you know, updating the recommendations to make sure they're working as hard as possible for you. You're happy to retain the life and TPD you have now. We're not looking at any additional insurances and the estate planning side of things. Just making sure your beneficiaries are nominated so that your wife receives a 100% of the benefit you were to pass away.\n\nAm I on the right track? Have I missed anything at all? Oh, fantastic. Lovely. The only other goal I wanted to touch on was your mortgage.\n\nAre you hoping to sorta have that fully paid down by the time you hit retirement, or are you sorta not worried just chipping away at it through the years? Yeah. Beautiful. Fourteen more years to go. Excellent.\n\nWell, you're still nice and young. Don't ever think that you're too old. And within that fourteen years, you've got plenty of time to pay your mortgage down and build your super up. Oh, goddamn it. The last thing to kinda let you know is in that email DocuSign there, we do have essentially the ongoing services agreement for the twelve months there.\n\nSo for us to remain as your servicing adviser and provide advice and help you along, we do need you to sign and return that back. Our fee structure essentially has been the same for the last few years. It's been 1.65% per annum. We have recently updated that. So, essentially, with your with the fee structure now, it's a tiered structure.\n\nSo when your balance hits 200,000 as it has as it has now, it does mean that you tip over into the next tier. So balance is up to 200,000. You pay 1.65 percent per annum. When your balance goes over into the next tier, it drops down to 1.375. So each tier that you drop down as your balance increases, we actually reduce the percentage of the tier.\n\nSo the fee structure won't be sort of fluctuating as much, and we set it as a dollar figure to give you more clarity around the fee for the year. I'm just pulling up the ongoing service agreement for you in this document. So it essentially shows based on your balance, this year's ongoing service fee is expected to be 3,518 and 96¢. It used to be that it used to fluctuate with the market. So if you received, you know, a lot of contributions and or, you know, 20% return, our fee would increase with that.\n\nOur fee no longer happens. It is a set dollar figure fee based on the percentage you're on, so you'll never pay more than what you've actually been quoted there. Okay? Yeah. The idea is that we do have to with the essentially, with the cost of advice, we do have to charge a fee for our services for the research, the advice we provide in keeping you on track for your retirement.\n\nBut we also wanna make sure that as your balance increases, that the tier you're in decreases a little bit. So as your balance increases, the percentage you pay on your ongoing service agreement will start to decrease a little bit for you to sort of provide more benefit. And instead of just giving you an estimate, we do it as a set dollar figure fee now so that it will be consistent. It gives you more clarity around how much you're going to certainly pay. It still includes any additional advice that we're providing with regard to your super.\n\nSo we're not there's no implementation fees for this additional advice. It's all part of our services, part of that ongoing service agreement. Does that make sense? Do you have any questions? Yep.\n\nBeautiful. Yeah. Yep. Well, what I'll get you to do, if you're comfortable and you would like the advice provided this year, we do have to get you to sign the service agreement so as to be able to provide the advice and assist you moving forward. If at any point you choose to not sign the agreement and don't wish to seek advice, it's fine.\n\nIt just means that you'll be needing to look after your super and the insurances and decide whether you kind of roll them back or retain the hub, making sure that you're aware of the risk level and the investments and how everything is set up. The benefit to having an adviser is that we do review things regularly for you, update the advice, and clarify the risk levels. So at the moment, you told me you're happy to stay in that high growth environment there. You wanna take that greater risk for the greater potential returns. But down the track, you may not be comfortable taking those sorts of risks.\n\nAnd one of what one of the things that we do aside from updating advice and changing things for you is making sure that we can determine when that time is to reduce that risk level and help you to reduce that in line with your goals and needs so that when you get to retirement, you're not sitting in a year out and seeing a, you know, a 40% major dip on your super. The idea is we're trying to protect your capital by that point and reduce the risk level so you're not going into retirement after seeing a big 40 or 50 or 60% dip like the GFC kinda source. So there are those advantages there. Obviously, we wanna make sure your returns are working for you, and that is a big factor. The whilst you did receive a 5% return this year, that is net.\n\nThat's after our fee came out. So that's what you know, you still made $13,000 after our ongoing service fee. So you did make enough out of your super for our services, plus additional growth there that was compounding for your super. So it is definitely working. If at any point I find there's no value to it or you find there's no value to it, you're welcome to let me know, and we'll happily turn it off for you and seize our services.\n\nBut, if you are wanting the advice this time around, I will need you to sign and return that back there for me. Okay? Excellent. I I easy. I also just wanna clarify.\n\nWould you like me to do a catch up with you in the next few months as well just to sort of provide a little bit more value and, yeah, a little bit more clarity on what's happening with your super moving forward? Did you wanna catch up every sort of three or six months? What would you like to see, damn it? Six months? Yeah.\n\nThat brings us to about February. That'd be okay? Yeah. Beautiful. What I'll get you to do is when you got some time signed and return that document back there, I'll get been stuck into the research.\n\nMy team will give you a callback in a few weeks and rebook the time to go through the updated advice. We'll get those changes in place and get things working a little bit for you, and then I'll make sure I do some catch ups with you down the track to keep you on track and make sure things are working hard for you. Does that sound okay? Beautiful. Look.\n\nThank you so much. I apologize for the time. I've taken up way too much of your time, but I appreciate your time today to go through things. I look forward to putting this advice together for you. And if you have any questions, you are welcome to let me know at any point.\n\nOkay? No worries, Dermot. You have a great day. Don't work too hard. Thank you.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Dammit.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.15682373940944672},{"text":"This is Dana from Oakley Financial.","start":3.84,"end":5.68,"sentiment":"neutral","sentiment_score":0.21265933165947595},{"text":"How are you this morning?","start":5.68,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.24811368584632873},{"text":"That's good.","start":9.679999,"end":10.24,"sentiment":"positive","sentiment_score":0.5920639634132385},{"text":"I had you booked in to go through your annual review this morning.","start":10.24,"end":12.719999,"sentiment":"positive","sentiment_score":0.3692280535514538}],"sentiment":"neutral","sentiment_score":0.31479516146438463,"num_words":28,"start":3.04,"end":12.719999},{"sentences":[{"text":"Is now still a good time there for you?","start":12.719999,"end":14.595,"sentiment":"positive","sentiment_score":0.36304512951109147},{"text":"Yep.","start":16.915,"end":17.315,"sentiment":"neutral","sentiment_score":0.17688417434692383},{"text":"Fantastic.","start":17.315,"end":17.815,"sentiment":"positive","sentiment_score":0.4701616168022156},{"text":"I do apologize.","start":17.955,"end":18.855,"sentiment":"neutral","sentiment_score":-0.022342592477798462},{"text":"There's some beeping in the background.","start":19.075,"end":20.855,"sentiment":"neutral","sentiment_score":-0.06487658309439819}],"sentiment":"neutral","sentiment_score":0.1729082340374589,"num_words":20,"start":12.719999,"end":20.855},{"sentences":[{"text":"All good.","start":23.955,"end":24.515,"sentiment":"neutral","sentiment_score":0.2671525925397873},{"text":"All good.","start":24.515,"end":25.175,"sentiment":"neutral","sentiment_score":0.30047670006752014},{"text":"Janet, before we jump into the call, just to let you know we do record our calls for quality and training purpose.","start":25.235,"end":29.61,"sentiment":"neutral","sentiment_score":0.13089970837939868},{"text":"Is that you happy to proceed with that?","start":29.61,"end":31.390001,"sentiment":"neutral","sentiment_score":0.14167165011167526},{"text":"Yes.","start":33.21,"end":33.71,"sentiment":"neutral","sentiment_score":0.33282536268234253}],"sentiment":"neutral","sentiment_score":0.156607163803918,"num_words":35,"start":23.955,"end":33.71},{"sentences":[{"text":"Fantastic.","start":33.77,"end":34.27,"sentiment":"positive","sentiment_score":0.528628945350647},{"text":"And, also, just to do a quick security check there with you, we are discussing your personal information.","start":34.73,"end":39.71,"sentiment":"neutral","sentiment_score":0.165729949871699},{"text":"So if I can please ask you to confirm your full name, your date of birth, and address I should have on file there for you.","start":40.09,"end":45.435,"sentiment":"neutral","sentiment_score":0.12757018237159803},{"text":"Yep.","start":51.675003,"end":52.175003,"sentiment":"neutral","sentiment_score":0.03761708736419678},{"text":"And your full name and date of birth?","start":53.995003,"end":55.775,"sentiment":"neutral","sentiment_score":0.02837037481367588}],"sentiment":"neutral","sentiment_score":0.13135505315882187,"num_words":54,"start":33.77,"end":55.775},{"sentences":[{"text":"Yeah.","start":58.395,"end":58.65,"sentiment":"neutral","sentiment_score":0.016623303294181824},{"text":"Beautiful.","start":60.57,"end":61.050003,"sentiment":"positive","sentiment_score":0.3745120167732239},{"text":"Thank you so much for that, Dammit.","start":61.050003,"end":62.730003,"sentiment":"positive","sentiment_score":0.49165872590882437},{"text":"Now we normally do send some annual review documents through to you to kinda go through with us.","start":62.730003,"end":68.11,"sentiment":"neutral","sentiment_score":0.13680198705858654},{"text":"Your it sounds like you're in the car or driving at the moment, so I'm gonna assume you probably don't have access to your emails.","start":68.65,"end":74.295,"sentiment":"neutral","sentiment_score":-0.05567934490740299}],"sentiment":"neutral","sentiment_score":0.0942922797268973,"num_words":52,"start":58.395,"end":74.295},{"sentences":[{"text":"Am I correct in that?","start":74.295,"end":75.255,"sentiment":"neutral","sentiment_score":-0.016015543416142464},{"text":"Or you you can?","start":75.255,"end":80.315,"sentiment":"neutral","sentiment_score":0.00457535614259541},{"text":"Yeah.","start":81.015,"end":81.335,"sentiment":"neutral","sentiment_score":0.004541691392660141},{"text":"That's okay.","start":81.335,"end":82.055,"sentiment":"neutral","sentiment_score":0.015663718804717064},{"text":"I'm gonna send that through to you now if you're able to jump into your emails there.","start":82.055,"end":85.895,"sentiment":"neutral","sentiment_score":0.010054545641383705}],"sentiment":"neutral","sentiment_score":0.00500069353087195,"num_words":29,"start":74.295,"end":85.895},{"sentences":[{"text":"Please don't if it's gonna be unsafe in any way, shape, or form.","start":85.895,"end":90.13,"sentiment":"neutral","sentiment_score":-0.1331782117486},{"text":"But if you are able to, that would be fantastic just so we can go through things together.","start":90.67,"end":95.49,"sentiment":"neutral","sentiment_score":0.30038976876272094},{"text":"Yeah.","start":100.42999,"end":100.92999,"sentiment":"neutral","sentiment_score":0.05039461702108383},{"text":"Should come through from Odoo sign or myself, Dana, at Odoo Financial.","start":107.195,"end":110.975,"sentiment":"neutral","sentiment_score":0.06588935510565837},{"text":"Sorry.","start":120.88,"end":121.28,"sentiment":"neutral","sentiment_score":-0.01292278990149498}],"sentiment":"neutral","sentiment_score":0.10008540385299258,"num_words":45,"start":85.895,"end":121.28},{"sentences":[{"text":"You've got that there?","start":121.28,"end":122.42,"sentiment":"neutral","sentiment_score":-0.016882969299331307},{"text":"That's okay.","start":128.61499,"end":129.435,"sentiment":"neutral","sentiment_score":0.07213201001286507},{"text":"Beautiful.","start":138.135,"end":138.635,"sentiment":"positive","sentiment_score":0.403439462184906},{"text":"Fantastic.","start":139.09499,"end":139.59499,"sentiment":"positive","sentiment_score":0.41678231954574585},{"text":"All good.","start":140.135,"end":140.875,"sentiment":"neutral","sentiment_score":0.31332214921712875}],"sentiment":"neutral","sentiment_score":0.15235982229933143,"num_words":10,"start":121.28,"end":140.875},{"sentences":[{"text":"So when we're looking at the email, if you press the button that takes you through to the next documents, I do believe it says sign here or documents to sign.","start":141.08,"end":148.62,"sentiment":"neutral","sentiment_score":0.07618296591024246},{"text":"It won't ask you to sign anything for the moment.","start":148.84,"end":150.92,"sentiment":"neutral","sentiment_score":0.009571418352425098},{"text":"It's just so we can kinda go to those documents together.","start":150.92,"end":153.5,"sentiment":"neutral","sentiment_score":0.13707006858153778},{"text":"And the first one should just show you a summary of your superannuation and your insurance as noted there.","start":158.245,"end":163.225,"sentiment":"neutral","sentiment_score":0.16545247521839643},{"text":"Is that working for you?","start":172.5,"end":173.88,"sentiment":"neutral","sentiment_score":0.13889438509941102}],"sentiment":"neutral","sentiment_score":0.10267402415506933,"num_words":76,"start":141.08,"end":173.88},{"sentences":[{"text":"Fantastic.","start":177.3,"end":177.8,"sentiment":"positive","sentiment_score":0.5828373432159424},{"text":"So sorry about that.","start":178.34,"end":179.54,"sentiment":"neutral","sentiment_score":0.11125902831554413},{"text":"All good.","start":179.54,"end":180.195,"sentiment":"positive","sentiment_score":0.3558425009250641},{"text":"So with your balances at the moment, so when I had a look back at your annual review last year, I pulled up your balances to see a bit of a comparison there.","start":180.755,"end":188.43501,"sentiment":"neutral","sentiment_score":0.12163977641047853},{"text":"So your balance within Hub twenty four at the time was $179,005.56, and you had about 17,000 sitting in your c bus account there as well.","start":188.43501,"end":197.49,"sentiment":"neutral","sentiment_score":0.10798896677218951}],"sentiment":"neutral","sentiment_score":0.12971794266592374,"num_words":66,"start":177.3,"end":197.49},{"sentences":[{"text":"As of this annual review for the August 19, your super balance in Hub twenty four is up to $203,007.37 and 49¢, and you've got a bit over 26,000 sitting in sea bus there.","start":198.19,"end":210.365,"sentiment":"neutral","sentiment_score":0.10842096015359416},{"text":"So we have had a bit of growth issue, which is good to see.","start":210.365,"end":213.425,"sentiment":"neutral","sentiment_score":0.025944877415895462},{"text":"Okay?","start":213.485,"end":213.985,"sentiment":"neutral","sentiment_score":0.10971558094024658},{"text":"If you are able to go to the next document along, you will see your internal rate of return showing you a bit of an update of your portfolio performance for the year.","start":215.645,"end":224.73,"sentiment":"neutral","sentiment_score":0.16711828180334784},{"text":"The second page of that and looking at the second last column, it does show essentially for the year in within hub twenty four, you've received a 5.24% return.","start":224.73,"end":235.13,"sentiment":"neutral","sentiment_score":0.11518202799147573}],"sentiment":"neutral","sentiment_score":0.11732743328267878,"num_words":111,"start":198.19,"end":235.13},{"sentences":[{"text":"So, realistically, within a high growth portfolio, it is a little bit lower than where we sort of expect for the one year, but with what's been happening globally there, and looking at your portfolio, you've come up with a positive return, and it does show that earnings are about 13,985 for the year there as well.","start":235.13,"end":252.54001,"sentiment":"neutral","sentiment_score":0.20345358576690942},{"text":"So all in all, it's a good positive return.","start":253.0,"end":255.0,"sentiment":"positive","sentiment_score":0.5947293076250288},{"text":"It is also got to do with the fact there's no contributions in the hub 24.","start":255.0,"end":258.52,"sentiment":"neutral","sentiment_score":-0.04530853149481118},{"text":"All your contributions are going into Cbus.","start":258.52,"end":260.86002,"sentiment":"neutral","sentiment_score":-0.04509896858196173},{"text":"So this is essentially what the portfolio has done for the year just on its own working.","start":261.24,"end":265.66,"sentiment":"neutral","sentiment_score":-0.06292415103491615}],"sentiment":"neutral","sentiment_score":0.1399913047712718,"num_words":106,"start":235.13,"end":265.66},{"sentences":[{"text":"So it's not in any way, shape, or form bad.","start":265.72,"end":268.19498,"sentiment":"negative","sentiment_score":-0.4202701985836029},{"text":"You have been on board for around about two years at this point as well, and I did go back to have a look at what the average return was based on that two year time frame.","start":269.055,"end":277.715,"sentiment":"neutral","sentiment_score":0.19744480179773793},{"text":"Essentially, since coming on board in 2024, you've essentially had a 19 sorry.","start":278.095,"end":285.1,"sentiment":"neutral","sentiment_score":0.26786344326459444},{"text":"19.32% return.","start":285.1,"end":288.0,"sentiment":"neutral","sentiment_score":0.22235660254955292},{"text":"So when we kinda average that out over the two years, you've made about 9.66% on a yearly basis compounding forward.","start":288.22,"end":295.02002,"sentiment":"positive","sentiment_score":0.3586510419845581}],"sentiment":"neutral","sentiment_score":0.17543813891439552,"num_words":83,"start":265.72,"end":295.02002},{"sentences":[{"text":"So it is a good return.","start":295.02002,"end":296.735,"sentiment":"positive","sentiment_score":0.7591765324274699},{"text":"You are well within that high growth kind of environment.","start":296.735,"end":299.155,"sentiment":"positive","sentiment_score":0.633538019657135},{"text":"It's just that some years the returns will be higher than others.","start":299.29498,"end":302.095,"sentiment":"neutral","sentiment_score":0.2872187979519367},{"text":"It just depends upon markets, what happens globally, and how markets do react there.","start":302.095,"end":307.31497,"sentiment":"neutral","sentiment_score":0.09931446186133794},{"text":"Does that make sense so far?","start":307.375,"end":308.81497,"sentiment":"neutral","sentiment_score":0.20249534149964651}],"sentiment":"positive","sentiment_score":0.3529674892003338,"num_words":48,"start":295.02002,"end":308.81497},{"sentences":[{"text":"Do you have any questions at all, damn it?","start":308.81497,"end":310.98,"sentiment":"neutral","sentiment_score":0.04775480160282718},{"text":"Yeah.","start":324.26,"end":324.76,"sentiment":"neutral","sentiment_score":-0.05650249496102333},{"text":"That's that's understandable.","start":325.195,"end":326.575,"sentiment":"neutral","sentiment_score":0.03822007216513157},{"text":"I mean, there are it is important to note that you are in a high growth environment as well, so there's no guarantees that you're going to get a high return every year.","start":326.715,"end":334.635,"sentiment":"neutral","sentiment_score":-0.008536182005297054},{"text":"You are taking on more risk in the market, so you are in a high growth kind of area.","start":334.635,"end":338.975,"sentiment":"neutral","sentiment_score":-0.021437364581384157}],"sentiment":"neutral","sentiment_score":-0.003093123034789012,"num_words":65,"start":308.81497,"end":338.975},{"sentences":[{"text":"That does essentially mean that taking on more risk means that when the returns are higher, you are likely to get a much greater return and feel that, which is great.","start":339.41,"end":347.66998,"sentiment":"neutral","sentiment_score":0.18188917564768944},{"text":"However, when the markets do take a bit of a dip as your balance increases, you are gonna feel that as well.","start":347.72998,"end":353.27,"sentiment":"neutral","sentiment_score":0.02778572690757838},{"text":"And that is across the board with what's happened essentially globally in the market.","start":353.45502,"end":358.255,"sentiment":"neutral","sentiment_score":0.2901634882603373},{"text":"That's something that every super fund has been feeling, not just yourself.","start":358.255,"end":361.635,"sentiment":"neutral","sentiment_score":0.30334737586478394},{"text":"So it's understandable that you may not be overly impressed with the return this year.","start":361.695,"end":366.67502,"sentiment":"neutral","sentiment_score":0.1840676893790563}],"sentiment":"neutral","sentiment_score":0.17780130982716033,"num_words":94,"start":339.41,"end":366.67502},{"sentences":[{"text":"It's also good to take advantage of the downtime and keep putting money into your super and kinda building on that.","start":367.07,"end":373.01,"sentiment":"positive","sentiment_score":0.5527778509117308},{"text":"But there's no guarantee returns are going to be really good.","start":373.55,"end":376.67,"sentiment":"neutral","sentiment_score":-0.016251055354421794},{"text":"Insane that in that high growth environment, if you're getting anywhere between a eight to 10% return on a yearly basis and compounding that forward, that keeps you with your average returns about where you're sort of where we would like you to see tracking.","start":376.67,"end":389.965,"sentiment":"positive","sentiment_score":0.5828472673892975},{"text":"It's the average return of high growth portfolio should be able to obtain.","start":389.965,"end":393.425,"sentiment":"positive","sentiment_score":0.7428718576064477},{"text":"And when we look at the last two years that you have been onboard, you've definitely been able to obtain that.","start":393.98,"end":399.02,"sentiment":"positive","sentiment_score":0.711969134353456}],"sentiment":"positive","sentiment_score":0.5609584348024549,"num_words":111,"start":367.07,"end":399.02},{"sentences":[{"text":"As I said, it's a a compound of return of 9.66% over the two years thus far.","start":399.02,"end":404.3,"sentiment":"positive","sentiment_score":0.4959465037373936},{"text":"So you are within that range.","start":404.3,"end":405.98,"sentiment":"positive","sentiment_score":0.47131789724032086},{"text":"So I do understand that you may not be overly impressed, but it is important to understand the risk level and how markets react, and that you're not gonna get a high return or a 15% return every year.","start":405.98,"end":417.55502,"sentiment":"neutral","sentiment_score":-0.19056528844894507},{"text":"There are years where you expect a negative return or a lower return.","start":417.55502,"end":421.17502,"sentiment":"negative","sentiment_score":-0.3883122824705564},{"text":"In saying that, I can see some changes that I could look to make to your portfolio.","start":421.98,"end":425.76,"sentiment":"neutral","sentiment_score":0.10785384081742343}],"sentiment":"neutral","sentiment_score":0.006656601296170898,"num_words":92,"start":399.02,"end":425.76},{"sentences":[{"text":"I can see that there are some investments that would be would be beneficial to maybe swap out for you.","start":426.7,"end":432.54,"sentiment":"neutral","sentiment_score":0.1918412394821644},{"text":"The Better Long Australian Equities portion is kind of down.","start":432.54,"end":435.94498,"sentiment":"neutral","sentiment_score":0.007233442366123199},{"text":"That investment probably shouldn't be as low as it is at the moment.","start":435.94498,"end":439.72498,"sentiment":"neutral","sentiment_score":-0.05015126902323503},{"text":"And it does look like there are some other changes that we can make to your portfolio.","start":440.10498,"end":443.625,"sentiment":"neutral","sentiment_score":0.18039334784535802},{"text":"If you'd like me to go back and review the portfolio or maybe update the advice for you.","start":443.625,"end":447.965,"sentiment":"neutral","sentiment_score":0.11671150475740433}],"sentiment":"neutral","sentiment_score":0.10800880403854908,"num_words":78,"start":426.7,"end":447.965},{"sentences":[{"text":"Yeah.","start":452.29,"end":452.79,"sentiment":"neutral","sentiment_score":-0.04255510494112968},{"text":"You are.","start":455.17,"end":455.99002,"sentiment":"neutral","sentiment_score":-0.10384754464030266},{"text":"Yeah.","start":456.37,"end":456.77002,"sentiment":"neutral","sentiment_score":-0.015164989978075027},{"text":"You are.","start":456.77002,"end":457.17,"sentiment":"neutral","sentiment_score":-0.019389493390917778},{"text":"So when you think about the risk level that you're in, I say risk out of number between one and five, five being a high you know, all invested in equities and the highest level of risk, and one being the lowest sitting all in cash, you're sitting at about a four.","start":457.17,"end":469.885,"sentiment":"neutral","sentiment_score":-0.020832798273589175}],"sentiment":"neutral","sentiment_score":-0.02392240829669453,"num_words":58,"start":452.29,"end":469.885},{"sentences":[{"text":"So in that high growth environment, you have about 90% of your super invested in growth assets.","start":470.105,"end":475.625,"sentiment":"neutral","sentiment_score":0.18273506050600724},{"text":"So think about things like Australian shares, international shares, listed property, and commodities, and then also only that 10% in lower risk defensive investments there as well.","start":475.625,"end":486.57,"sentiment":"neutral","sentiment_score":0.14497977798735653},{"text":"That's things like cash, bonds, and fixed interest.","start":486.95,"end":489.025,"sentiment":"neutral","sentiment_score":0.08866484835743904},{"text":"So you really realistically are taking a little bit more risk in the market to obtain greater potential returns when the market is performing.","start":489.025,"end":496.645,"sentiment":"neutral","sentiment_score":0.04754967770228783},{"text":"Yeah.","start":499.105,"end":499.505,"sentiment":"neutral","sentiment_score":-0.003499317914247513}],"sentiment":"neutral","sentiment_score":0.11516833465014185,"num_words":77,"start":470.105,"end":499.505},{"sentences":[{"text":"Did you feel like you should be maybe reducing the risk level?","start":499.505,"end":502.465,"sentiment":"neutral","sentiment_score":-0.08126911458869775},{"text":"Do you wanna maybe look at considering that a little bit?","start":502.465,"end":505.55002,"sentiment":"neutral","sentiment_score":-0.018238839439370415},{"text":"Yeah.","start":512.81,"end":513.29,"sentiment":"neutral","sentiment_score":0.2963365614414215},{"text":"Absolutely.","start":513.29,"end":513.79,"sentiment":"positive","sentiment_score":0.571830153465271},{"text":"And, look, you've come out with a positive return this year, so that's not actually too bad.","start":514.01,"end":517.87,"sentiment":"positive","sentiment_score":0.599505669930402}],"sentiment":"neutral","sentiment_score":0.23533110701966853,"num_words":42,"start":499.505,"end":517.87},{"sentences":[{"text":"A lot of super funds out there this year have had a lot of struggling.","start":518.195,"end":521.475,"sentiment":"neutral","sentiment_score":-0.016804157694180807},{"text":"A lot of markets have been very down, so you have still had a positive return.","start":521.475,"end":525.335,"sentiment":"neutral","sentiment_score":0.09909299947321415},{"text":"Even without contributions, the other thing to think about and remember is that your contributions are going into SeaBus.","start":525.795,"end":532.135,"sentiment":"neutral","sentiment_score":0.257036176951308},{"text":"So that's helping your SeaBus account along.","start":532.41,"end":534.81,"sentiment":"positive","sentiment_score":0.5497900588171822},{"text":"Hub twenty four, that 5% return, which is a as a dollar figures of return a bit over $13,900, that's just the growth and the dividends that the portfolio has produced on its own, which is being reinvested back into the portfolio.","start":534.81,"end":549.71497,"sentiment":"positive","sentiment_score":0.35652748956566765}],"sentiment":"neutral","sentiment_score":0.25292725213850387,"num_words":99,"start":518.195,"end":549.71497},{"sentences":[{"text":"So a 5% return and a $13,000 return with growth in income with no contributions is actually not a bad return for the market.","start":549.935,"end":559.235,"sentiment":"positive","sentiment_score":0.48980382333199185},{"text":"Yeah.","start":559.535,"end":559.77496,"sentiment":"neutral","sentiment_score":0.2780747413635254},{"text":"There's no no kind of assistance there for your portfolio.","start":559.77496,"end":562.91,"sentiment":"neutral","sentiment_score":0.09664148092269897},{"text":"It's just what it's doing on its own.","start":562.97,"end":564.57,"sentiment":"neutral","sentiment_score":0.24069559015333652},{"text":"And, admittedly, understandably, you probably wanna see more out of that, but it is also a long term investment.","start":564.57,"end":570.75,"sentiment":"neutral","sentiment_score":0.19964289586795003}],"sentiment":"neutral","sentiment_score":0.3019122750528397,"num_words":62,"start":549.935,"end":570.75},{"sentences":[{"text":"There's no such thing as a get rich quick scheme.","start":570.81,"end":572.99,"sentiment":"neutral","sentiment_score":0.09134697690606117},{"text":"It's about making sure you're getting consistent returns over time and compounding that towards your retirement goals.","start":573.21,"end":579.425,"sentiment":"neutral","sentiment_score":0.3299153841593686},{"text":"Does that make sense?","start":579.885,"end":581.025,"sentiment":"neutral","sentiment_score":0.084604537114501},{"text":"Yeah.","start":581.485,"end":581.985,"sentiment":"neutral","sentiment_score":0.1123327761888504},{"text":"Beautiful.","start":582.84503,"end":583.34503,"sentiment":"positive","sentiment_score":0.5275174379348755}],"sentiment":"neutral","sentiment_score":0.22728180795004874,"num_words":33,"start":570.81,"end":583.34503},{"sentences":[{"text":"Beautiful.","start":583.485,"end":583.965,"sentiment":"positive","sentiment_score":0.5534056425094604},{"text":"I never wanna lie to you or be dishonest there, but it is really important that we focus on the long term aspect of of super.","start":583.965,"end":591.06995,"sentiment":"neutral","sentiment_score":0.2726191362509361},{"text":"And I know you do have two funds at the moment there.","start":591.61,"end":594.08997,"sentiment":"neutral","sentiment_score":0.12773136608302593},{"text":"I have had a look at your portfolio, and there's definitely some advice I can look at.","start":594.08997,"end":597.44995,"sentiment":"neutral","sentiment_score":0.21657376517267787},{"text":"I can go back and review the super fund as well as the investments within that for you.","start":597.44995,"end":601.875,"sentiment":"neutral","sentiment_score":0.2251410372296555}],"sentiment":"neutral","sentiment_score":0.22849421967701936,"num_words":74,"start":583.485,"end":601.875},{"sentences":[{"text":"I'd love to update the advice and maybe make some changes to your portfolio to keep it working harder for you if you're comfortable with me doing so.","start":602.115,"end":609.255,"sentiment":"positive","sentiment_score":0.4371997245720455},{"text":"Yeah.","start":612.195,"end":612.675,"sentiment":"neutral","sentiment_score":-0.03842378407716751},{"text":"All oh, good.","start":612.675,"end":613.955,"sentiment":"neutral","sentiment_score":0.15129491686820984},{"text":"All good.","start":613.955,"end":614.275,"sentiment":"neutral","sentiment_score":0.28576456010341644},{"text":"And, look, honestly, Dammit, you don't have to be high growth if it's not comfortable for you.","start":614.275,"end":618.33,"sentiment":"neutral","sentiment_score":-0.2702590371755993}],"sentiment":"neutral","sentiment_score":0.16929762240718393,"num_words":51,"start":602.115,"end":618.33},{"sentences":[{"text":"So if at any point you find that you are not comfortable with those ups and downs in the market, admittedly, when your balance increases, you are definitely gonna feel those a lot more as well.","start":618.33,"end":627.69,"sentiment":"neutral","sentiment_score":-0.2577167881859673},{"text":"So if you think about someone with $50,000 in sleep when they get a five percent return, that 5% return is much lower.","start":627.69,"end":634.735,"sentiment":"neutral","sentiment_score":-0.14186848570471225},{"text":"Whereas someone with $5,500,000 in super, that same 5% return makes a much greater effect for them.","start":634.875,"end":641.915,"sentiment":"neutral","sentiment_score":0.000947739792001598},{"text":"So please let me know if you start to feel nervous with the market ups and downs, and we can always start to reduce your risk level.","start":641.915,"end":649.92,"sentiment":"neutral","sentiment_score":-0.2992104584420169},{"text":"I would be looking at the high growth environment generally suits someone who's about eight years away from accessing their super.","start":650.7,"end":657.42,"sentiment":"neutral","sentiment_score":-0.09575028788475763}],"sentiment":"neutral","sentiment_score":-0.18237182574962535,"num_words":124,"start":618.33,"end":657.42},{"sentences":[{"text":"So when you kinda get to that, you know, seven to eight year time horizon, I would definitely be asking and trying to pull you back a little bit as well.","start":657.42,"end":665.22504,"sentiment":"neutral","sentiment_score":-0.02480442401382231},{"text":"That way, we're sort of not taking too much risk as you get closer and closer to your retirement.","start":665.60504,"end":671.465,"sentiment":"neutral","sentiment_score":-0.0556669045043619},{"text":"Does that make sense?","start":671.525,"end":672.585,"sentiment":"neutral","sentiment_score":0.046413169242441654},{"text":"Yeah.","start":674.31,"end":674.79,"sentiment":"neutral","sentiment_score":0.17618441581726074},{"text":"All good.","start":674.79,"end":675.19,"sentiment":"positive","sentiment_score":0.3433229774236679}],"sentiment":"neutral","sentiment_score":-0.013651320743456222,"num_words":57,"start":657.42,"end":675.19},{"sentences":[{"text":"Do you have further questions from any of that?","start":675.19,"end":677.51,"sentiment":"neutral","sentiment_score":0.13492229084173837},{"text":"Is there any questions that have come out of the conversation so far at all?","start":677.51,"end":680.97,"sentiment":"neutral","sentiment_score":0.08617581874132156},{"text":"Yeah.","start":684.79,"end":685.29,"sentiment":"neutral","sentiment_score":0.1549513041973114},{"text":"That's perfectly happily to do that for you.","start":686.185,"end":688.745,"sentiment":"positive","sentiment_score":0.508921779692173},{"text":"Not a problem at all.","start":688.745,"end":690.125,"sentiment":"neutral","sentiment_score":0.30291534662246705}],"sentiment":"neutral","sentiment_score":0.21704842561953946,"num_words":38,"start":675.19,"end":690.125},{"sentences":[{"text":"Excellent.","start":690.825,"end":691.325,"sentiment":"positive","sentiment_score":0.5543944835662842},{"text":"Now the other thing I just wanted to sort of bring out there was obviously your insurances.","start":691.385,"end":695.325,"sentiment":"neutral","sentiment_score":0.045837153406704176},{"text":"So we had retained your fee bus back when you came on board originally.","start":695.545,"end":699.37,"sentiment":"neutral","sentiment_score":0.038090430067053864},{"text":"I believe you have lupus.","start":699.99,"end":701.44995,"sentiment":"neutral","sentiment_score":-0.005567825492471456},{"text":"Is that right?","start":701.50995,"end":702.32996,"sentiment":"neutral","sentiment_score":0.031554327656825386}],"sentiment":"neutral","sentiment_score":0.048342899198178205,"num_words":40,"start":690.825,"end":702.32996},{"sentences":[{"text":"Yeah.","start":705.99,"end":706.49,"sentiment":"neutral","sentiment_score":0.029417242854833603},{"text":"Yeah.","start":706.55,"end":707.02997,"sentiment":"neutral","sentiment_score":0.03584546595811844},{"text":"Can I ask how is everything going with your lupus?","start":707.02997,"end":709.58997,"sentiment":"neutral","sentiment_score":0.051718010753393176},{"text":"Has it sort of flared up?","start":709.58997,"end":710.70996,"sentiment":"neutral","sentiment_score":-0.058623622792462506},{"text":"Have you had any symptoms or had any time off work with regard to the condition?","start":710.70996,"end":714.845,"sentiment":"neutral","sentiment_score":-0.050824647885747254}],"sentiment":"neutral","sentiment_score":-0.01713215548764257,"num_words":34,"start":705.99,"end":714.845},{"sentences":[{"text":"No.","start":717.225,"end":717.625,"sentiment":"neutral","sentiment_score":0.05454881116747856},{"text":"All all good.","start":717.625,"end":719.245,"sentiment":"neutral","sentiment_score":0.31523295243581134},{"text":"Happy.","start":719.305,"end":719.785,"sentiment":"neutral","sentiment_score":0.3166968524456024},{"text":"When was the last time that you had a flare up?","start":719.785,"end":722.52496,"sentiment":"neutral","sentiment_score":-0.05792724070223895},{"text":"Oh, yeah.","start":730.68,"end":731.33997,"sentiment":"neutral","sentiment_score":0.007318977266550064}],"sentiment":"neutral","sentiment_score":0.038576823762721486,"num_words":18,"start":717.225,"end":731.33997},{"sentences":[{"text":"Yeah.","start":732.2,"end":732.52,"sentiment":"neutral","sentiment_score":0.03731778636574745},{"text":"And that's when they diagnosed you, and you've not really had any ongoing symptoms there since, which is good.","start":732.52,"end":738.14,"sentiment":"neutral","sentiment_score":0.003356263825767918},{"text":"Excellent.","start":741.005,"end":741.505,"sentiment":"positive","sentiment_score":0.35600581765174866},{"text":"Excellent.","start":741.965,"end":742.465,"sentiment":"positive","sentiment_score":0.40901029109954834},{"text":"Excellent.","start":742.685,"end":743.185,"sentiment":"positive","sentiment_score":0.34071096777915955}],"sentiment":"neutral","sentiment_score":0.052470168503730194,"num_words":23,"start":732.2,"end":743.185},{"sentences":[{"text":"So the main reason, obviously, for retaining C Bus was due to the lupus there.","start":743.965,"end":748.065,"sentiment":"neutral","sentiment_score":-0.018928005422155062},{"text":"With your life cover, if you think about the insurances you have at the moment, if you were to pass away today within c bus there, your life cover currently pays out a benefit of 52,000.","start":748.60504,"end":758.51,"sentiment":"neutral","sentiment_score":-0.018402589808425143},{"text":"Now if you think about how life cover is structured, if you did and this is hypothetical.","start":758.97,"end":763.87,"sentiment":"neutral","sentiment_score":-0.010171034208991948},{"text":"I would love.","start":764.25,"end":764.835,"sentiment":"neutral","sentiment_score":0.1320672184228897},{"text":"I don't want anything to happen to you.","start":764.835,"end":766.435,"sentiment":"neutral","sentiment_score":-0.16400253400206566}],"sentiment":"neutral","sentiment_score":-0.02576125965489051,"num_words":79,"start":743.965,"end":766.435},{"sentences":[{"text":"But if you were to pass away, your beneficiaries could claim the life cover of 52,000, but then also your super benefit can be paid out on top of that as well.","start":766.435,"end":775.575,"sentiment":"neutral","sentiment_score":0.03773156786337495},{"text":"So if we think about that, you've got $203,007.37, 26,028 in c bus, and then 52,000 of life cover.","start":775.875,"end":786.28,"sentiment":"neutral","sentiment_score":0.014590811915695667},{"text":"Theoretically, based on your current circumstances, your beneficiaries could receive about 281,675.","start":786.9,"end":795.315,"sentiment":"neutral","sentiment_score":0.018179993766049545},{"text":"Do you feel between your insurances and your super that that is a preferred benefit, or would you like to maybe look at trying to obtain something a little bit different?","start":795.315,"end":804.275,"sentiment":"neutral","sentiment_score":-0.04718752529832625},{"text":"What's your thoughts?","start":804.275,"end":805.255,"sentiment":"neutral","sentiment_score":-0.05526746685306231}],"sentiment":"neutral","sentiment_score":0.0007647406021805154,"num_words":97,"start":766.435,"end":805.255},{"sentences":[{"text":"Well, I can go back.","start":811.51,"end":812.71,"sentiment":"neutral","sentiment_score":0.00037866607308387754},{"text":"I know if you have had your lupus for a long period of time and you haven't had any symptoms or flare ups, I could go out to the market and see if we're able to obtain any top up cover for you, increase the level of cover you have to make sure it aligns with your goals, or see what I can do with the cover that you've got.","start":812.71,"end":829.66504,"sentiment":"neutral","sentiment_score":0.0275923978404275},{"text":"It would.","start":837.94,"end":838.42004,"sentiment":"neutral","sentiment_score":-0.09823376685380936},{"text":"Yeah.","start":838.42004,"end":838.66003,"sentiment":"neutral","sentiment_score":-0.045743998140096664},{"text":"So if you're increasing your insurance cover, it does the premiums do tend to go up because you're paying for the extra cover.","start":838.66003,"end":845.48004,"sentiment":"neutral","sentiment_score":0.10663141860910084}],"sentiment":"neutral","sentiment_score":0.04102645817185097,"num_words":101,"start":811.51,"end":845.48004},{"sentences":[{"text":"You have options where you can pay for it personally if you prefer not to have it coming out of your super, But most people hold insurances and hold them inside super so they're not having to pay those premiums out of their back pocket.","start":845.86005,"end":857.22504,"sentiment":"neutral","sentiment_score":0.13864317668808832},{"text":"In saying that if you're happy with the level of cover you have and it meets your goals that you don't wanna review it, that's absolutely fine.","start":857.765,"end":864.085,"sentiment":"positive","sentiment_score":0.4258478962712818},{"text":"I just wanted to sort of see what what you would like to see, what level of cover is appropriate to you, and see what I can do to help you there.","start":864.085,"end":871.72,"sentiment":"neutral","sentiment_score":0.1369534858968109},{"text":"Leave it as is?","start":876.74,"end":877.77997,"sentiment":"neutral","sentiment_score":0.050308181904256344},{"text":"Yeah.","start":877.77997,"end":878.18,"sentiment":"neutral","sentiment_score":0.20622488856315613}],"sentiment":"neutral","sentiment_score":0.20666793867125424,"num_words":109,"start":845.86005,"end":878.18},{"sentences":[{"text":"Beautiful.","start":878.18,"end":878.68,"sentiment":"positive","sentiment_score":0.5275677442550659},{"text":"Excellent.","start":880.125,"end":880.625,"sentiment":"positive","sentiment_score":0.577407956123352},{"text":"And now you've also got some total permanent disability.","start":880.765,"end":883.585,"sentiment":"neutral","sentiment_score":0.11307640042569903},{"text":"Do you know and understand how TBD works or what total permanent disability covers and how it pays out?","start":883.80505,"end":889.905,"sentiment":"neutral","sentiment_score":0.029752066358923912},{"text":"No.","start":893.94,"end":894.26,"sentiment":"neutral","sentiment_score":-0.11112521588802338}],"sentiment":"neutral","sentiment_score":0.08312346287552387,"num_words":31,"start":878.18,"end":894.26},{"sentences":[{"text":"That's okay.","start":894.26,"end":895.16,"sentiment":"neutral","sentiment_score":-0.025645004585385323},{"text":"So TBD is a disability cover.","start":895.62,"end":897.94,"sentiment":"neutral","sentiment_score":0.01597666274756193},{"text":"It pays out either a lump sum benefit or an income stream in the event that you're totally incapacitated, say, you broke your back and could never go back to work again as an example.","start":897.94,"end":907.72,"sentiment":"neutral","sentiment_score":-0.02513284592756203},{"text":"TBD, the level of cover you have is 26,000.","start":909.095,"end":912.955,"sentiment":"neutral","sentiment_score":0.03019892279472616},{"text":"So if in the event of a claim, you could claim the 26,000 from Cbus.","start":913.65497,"end":918.15497,"sentiment":"neutral","sentiment_score":0.043486661091446874}],"sentiment":"neutral","sentiment_score":0.001328516139912961,"num_words":67,"start":894.26,"end":918.15497},{"sentences":[{"text":"It's important that I let you know, unfortunately, TBD is actually a taxable payment.","start":918.935,"end":923.48,"sentiment":"neutral","sentiment_score":-0.07206711984638657},{"text":"So if you were under 60 and you claimed TBD, we can also release or get access to your super to release that benefit.","start":923.62,"end":933.3,"sentiment":"neutral","sentiment_score":-0.038674332899972796},{"text":"But then if you take the whole amount out, you can be taxed at up to 22% depending on a few factors there.","start":933.3,"end":941.075,"sentiment":"neutral","sentiment_score":0.0016034605872371922},{"text":"Do you feel like the level of cover you have is appropriate for TBD?","start":941.53503,"end":945.55505,"sentiment":"neutral","sentiment_score":0.006210196231092725},{"text":"Did you wanna look at trying to get something a little bit different, or do you have any questions in relation to what I've just gone through?","start":945.85504,"end":951.75,"sentiment":"neutral","sentiment_score":-0.008378082782857947}],"sentiment":"neutral","sentiment_score":-0.01999519178278598,"num_words":102,"start":918.935,"end":951.75},{"sentences":[{"text":"You happy with that?","start":955.27,"end":956.07,"sentiment":"neutral","sentiment_score":0.2695554345846176},{"text":"That's okay.","start":956.07,"end":956.79,"sentiment":"neutral","sentiment_score":0.2528145909309387},{"text":"Do you have any questions, Dermot?","start":956.79,"end":958.39,"sentiment":"neutral","sentiment_score":0.12540674830476442},{"text":"I know some people hear that and go, oh my god.","start":958.39,"end":961.61,"sentiment":"neutral","sentiment_score":-0.05744879252531312},{"text":"Is there is there anything you wanted to ask me or have me clarify further for you in relation to it?","start":961.67,"end":966.89,"sentiment":"neutral","sentiment_score":-0.0059029655087561835}],"sentiment":"neutral","sentiment_score":0.03591800946742296,"num_words":44,"start":955.27,"end":966.89},{"sentences":[{"text":"That's that's okay.","start":970.255,"end":971.715,"sentiment":"neutral","sentiment_score":-0.2407356599966685},{"text":"Now there are other types of personal insurance that I do have to touch on for you.","start":972.49506,"end":976.17505,"sentiment":"neutral","sentiment_score":-0.06546144187450409},{"text":"So you don't have any income protection.","start":976.17505,"end":978.195,"sentiment":"neutral","sentiment_score":-0.08330262665237699},{"text":"How would you do you have much in the way of sick leave, annual leave, or savings that you could fall back on if you weren't able to go to work in the short term?","start":978.97504,"end":985.86,"sentiment":"neutral","sentiment_score":-0.04904905568276133},{"text":"How would you cover your expenditure if you weren't able to go to work?","start":985.86,"end":989.24,"sentiment":"neutral","sentiment_score":-0.033219899982213974}],"sentiment":"neutral","sentiment_score":-0.060525860882511266,"num_words":76,"start":970.255,"end":989.24},{"sentences":[{"text":"Yep.","start":992.98,"end":993.375,"sentiment":"neutral","sentiment_score":0.09070765227079391},{"text":"Excellent.","start":994.255,"end":994.655,"sentiment":"positive","sentiment_score":0.4171254634857178},{"text":"And you've got plenty of sick leave, annual leave, and a long service leave?","start":994.655,"end":998.195,"sentiment":"neutral","sentiment_score":0.14601296452539309},{"text":"Yep.","start":1000.095,"end":1000.575,"sentiment":"neutral","sentiment_score":0.1528637558221817},{"text":"Beautiful.","start":1000.575,"end":1001.075,"sentiment":"positive","sentiment_score":0.5021091103553772}],"sentiment":"neutral","sentiment_score":0.1781659714049763,"num_words":18,"start":992.98,"end":1001.075},{"sentences":[{"text":"Excellent.","start":1001.295,"end":1001.695,"sentiment":"positive","sentiment_score":0.4454018473625183},{"text":"And you're happy not worrying about income protection there at all?","start":1001.695,"end":1004.995,"sentiment":"neutral","sentiment_score":0.20641935007138687},{"text":"No.","start":1007.39,"end":1007.71,"sentiment":"neutral","sentiment_score":-0.13325542211532593},{"text":"That's okay.","start":1007.71,"end":1008.43,"sentiment":"neutral","sentiment_score":-0.03649085760116577},{"text":"That's absolutely fine.","start":1008.43,"end":1009.63,"sentiment":"neutral","sentiment_score":0.1805639167626699}],"sentiment":"neutral","sentiment_score":0.16952607283989587,"num_words":18,"start":1001.295,"end":1009.63},{"sentences":[{"text":"If at any point you decide that you wanna have that conversation in more detail, please let me know.","start":1009.63,"end":1014.59,"sentiment":"neutral","sentiment_score":0.032726846047137916},{"text":"You're not limited to one review a year.","start":1014.59,"end":1016.51,"sentiment":"neutral","sentiment_score":0.007773846387863159},{"text":"If you wanna have more conversations or do you want more catch ups, please let me know.","start":1016.51,"end":1021.00494,"sentiment":"neutral","sentiment_score":0.007901903844493277},{"text":"Okay?","start":1021.00494,"end":1021.50494,"sentiment":"neutral","sentiment_score":0.020476918667554855},{"text":"Excellent.","start":1023.805,"end":1024.3049,"sentiment":"neutral","sentiment_score":0.1468169093132019}],"sentiment":"neutral","sentiment_score":0.021426674768166697,"num_words":46,"start":1009.63,"end":1024.3049},{"sentences":[{"text":"Fantastic.","start":1025.1649,"end":1025.6649,"sentiment":"neutral","sentiment_score":0.15274019539356232},{"text":"Now there are other types of covers like trauma and child trauma.","start":1026.365,"end":1029.965,"sentiment":"neutral","sentiment_score":0.004956181471546491},{"text":"I'm looking at your circumstances here.","start":1029.965,"end":1032.3049,"sentiment":"neutral","sentiment_score":0.010819663293659687},{"text":"You do have some dependent children.","start":1032.83,"end":1034.83,"sentiment":"neutral","sentiment_score":0.005967395380139351},{"text":"Is that right?","start":1034.83,"end":1035.73,"sentiment":"neutral","sentiment_score":0.013122213693956533}],"sentiment":"neutral","sentiment_score":0.012582263077742286,"num_words":28,"start":1025.1649,"end":1035.73},{"sentences":[{"text":"One?","start":1038.51,"end":1039.01,"sentiment":"neutral","sentiment_score":0.0003418312408030033},{"text":"How how old?","start":1039.0701,"end":1040.37,"sentiment":"neutral","sentiment_score":-0.005758434378852447},{"text":"17?","start":1043.55,"end":1044.05,"sentiment":"neutral","sentiment_score":-0.0011930204927921295},{"text":"Wow.","start":1044.35,"end":1044.85,"sentiment":"neutral","sentiment_score":0.008830628357827663},{"text":"How were the teenage years?","start":1045.15,"end":1046.6901,"sentiment":"neutral","sentiment_score":0.0019350087270140648}],"sentiment":"neutral","sentiment_score":0.000034470873122865505,"num_words":11,"start":1038.51,"end":1046.6901},{"sentences":[{"text":"Oh, fantastic.","start":1050.775,"end":1051.755,"sentiment":"positive","sentiment_score":0.35695064067840576},{"text":"That's great.","start":1052.215,"end":1053.115,"sentiment":"positive","sentiment_score":0.4066696763038635},{"text":"Excellent.","start":1054.695,"end":1055.195,"sentiment":"positive","sentiment_score":0.3461727201938629},{"text":"So there are other types of personal insurances that you can obtain.","start":1055.415,"end":1058.795,"sentiment":"neutral","sentiment_score":0.07235310692340136},{"text":"Given your child is slightly older than the entry age, their child trauma wouldn't really be an option.","start":1059.575,"end":1064.4401,"sentiment":"neutral","sentiment_score":-0.0008157076728012823}],"sentiment":"neutral","sentiment_score":0.07791336854653699,"num_words":35,"start":1050.775,"end":1064.4401},{"sentences":[{"text":"But you can cover yourself for additional type of, like, traumatic illnesses like cancer, heart attack, stroke, certain neurological conditions by obtaining a certain level of trauma cover.","start":1064.9,"end":1077.935,"sentiment":"neutral","sentiment_score":0.011292878338801009},{"text":"Trauma does have to be paid outside of super.","start":1077.935,"end":1080.415,"sentiment":"neutral","sentiment_score":-0.025960478310783703},{"text":"Are you open to looking at any additional cover outside of what you already have that may provide benefit in the event of a major diagnosis?","start":1080.415,"end":1087.955,"sentiment":"neutral","sentiment_score":-0.031559474766254425},{"text":"No.","start":1090.99,"end":1091.23,"sentiment":"neutral","sentiment_score":-0.13401350378990173},{"text":"That's okay.","start":1091.23,"end":1092.0499,"sentiment":"neutral","sentiment_score":-0.02825198695063591}],"sentiment":"neutral","sentiment_score":-0.014068295953400207,"num_words":66,"start":1064.9,"end":1092.0499},{"sentences":[{"text":"Beautiful.","start":1092.19,"end":1092.69,"sentiment":"neutral","sentiment_score":0.07862579077482224},{"text":"Do you have any questions about the insurance aspect or anything I've kind of told you today just to sort of clarify?","start":1092.9099,"end":1098.5299,"sentiment":"neutral","sentiment_score":0.012429255357181484},{"text":"No.","start":1101.07,"end":1101.57,"sentiment":"neutral","sentiment_score":-0.21090328693389893},{"text":"Excellent.","start":1102.4299,"end":1102.9299,"sentiment":"positive","sentiment_score":0.5122140645980835},{"text":"Fantastic.","start":1103.23,"end":1103.73,"sentiment":"positive","sentiment_score":0.5789875388145447}],"sentiment":"neutral","sentiment_score":0.047398758658136315,"num_words":26,"start":1092.19,"end":1103.73},{"sentences":[{"text":"Just running through a couple of additional circumstances there for you.","start":1105.105,"end":1108.1449,"sentiment":"neutral","sentiment_score":0.2963159043680538},{"text":"Now I've got down here that, Christine, I believe, sorry, is your wife is your next of kin.","start":1108.1449,"end":1113.745,"sentiment":"neutral","sentiment_score":0.06488414005272919},{"text":"That's all still okay?","start":1113.745,"end":1115.0249,"sentiment":"neutral","sentiment_score":0.0941744688898325},{"text":"Still married?","start":1115.0249,"end":1115.9249,"sentiment":"neutral","sentiment_score":0.01855993177741766},{"text":"Yep.","start":1116.3049,"end":1116.8049,"sentiment":"neutral","sentiment_score":0.05587710067629814}],"sentiment":"neutral","sentiment_score":0.13603011968856057,"num_words":36,"start":1105.105,"end":1116.8049},{"sentences":[{"text":"Yep.","start":1116.945,"end":1117.445,"sentiment":"neutral","sentiment_score":0.097157321870327},{"text":"Beautiful.","start":1117.585,"end":1118.085,"sentiment":"positive","sentiment_score":0.34802258014678955},{"text":"Income wise, you were on about a 112,000 when we caught up last time.","start":1118.96,"end":1122.72,"sentiment":"neutral","sentiment_score":0.06314475036093167},{"text":"Has your income increased?","start":1122.72,"end":1123.84,"sentiment":"neutral","sentiment_score":0.028124000411480665},{"text":"Have you been lucky enough to get a a pay rise at all?","start":1123.84,"end":1126.66,"sentiment":"neutral","sentiment_score":0.03468726518062445}],"sentiment":"neutral","sentiment_score":0.057352632001945465,"num_words":33,"start":1116.945,"end":1126.66},{"sentences":[{"text":"Oh, fantastic.","start":1129.52,"end":1130.5,"sentiment":"positive","sentiment_score":0.39200183749198914},{"text":"Excellent.","start":1130.925,"end":1131.3251,"sentiment":"positive","sentiment_score":0.4016531705856323},{"text":"Well, congratulations.","start":1131.3251,"end":1132.145,"sentiment":"positive","sentiment_score":0.36754797399044037},{"text":"Overtime.","start":1135.405,"end":1135.905,"sentiment":"neutral","sentiment_score":0.03899345174431801},{"text":"Yeah.","start":1136.2051,"end":1136.525,"sentiment":"neutral","sentiment_score":0.08325042575597763}],"sentiment":"neutral","sentiment_score":0.29185666729296955,"num_words":7,"start":1129.52,"end":1136.525},{"sentences":[{"text":"Beautiful.","start":1136.525,"end":1137.025,"sentiment":"neutral","sentiment_score":0.21698182821273804},{"text":"And do you do quite a lot of overtime?","start":1137.165,"end":1139.025,"sentiment":"neutral","sentiment_score":0.03485087305307388},{"text":"Yeah.","start":1142.3651,"end":1142.8651,"sentiment":"neutral","sentiment_score":0.06557558476924896},{"text":"Yeah.","start":1143.08,"end":1143.48,"sentiment":"neutral","sentiment_score":0.12355365604162216},{"text":"Beautiful.","start":1143.48,"end":1143.98,"sentiment":"neutral","sentiment_score":0.276806116104126}],"sentiment":"neutral","sentiment_score":0.07665961866195385,"num_words":13,"start":1136.525,"end":1143.98},{"sentences":[{"text":"Are you finding that you're able to save much out of your income on a regular basis, like, on a weekly or fortnightly basis, or is all of your income kinda going towards your family expenses?","start":1144.84,"end":1154.62,"sentiment":"neutral","sentiment_score":0.07214219557742278},{"text":"You are saving?","start":1158.455,"end":1159.335,"sentiment":"neutral","sentiment_score":0.022279121602574985},{"text":"If you had to put it into a dollar figure, how much would you say you would save?","start":1159.335,"end":1163.1951,"sentiment":"neutral","sentiment_score":0.006454330455097888},{"text":"She's a good seller, isn't she?","start":1170.48,"end":1172.26,"sentiment":"neutral","sentiment_score":0.14109206882615885},{"text":"I was just popped down here that you're not really sure.","start":1173.28,"end":1175.6,"sentiment":"neutral","sentiment_score":-0.09639853984117508}],"sentiment":"neutral","sentiment_score":0.03467976795257749,"num_words":74,"start":1144.84,"end":1175.6},{"sentences":[{"text":"That's absolutely fine.","start":1175.6,"end":1177.06,"sentiment":"neutral","sentiment_score":0.039362351720531784},{"text":"Now to sort of if there was an option to kind of help provide a boost to your sofa, would you be open to making additional contributions, salary sacrifice, and things like that to help your super grow towards your goals, or would you prefer not?","start":1177.84,"end":1191.9451,"sentiment":"neutral","sentiment_score":0.031025344870336678},{"text":"What's your thoughts with that?","start":1191.9451,"end":1193.4851,"sentiment":"neutral","sentiment_score":-0.011143749207258224},{"text":"Yep.","start":1196.9851,"end":1197.385,"sentiment":"neutral","sentiment_score":-0.007931133732199669},{"text":"That's okay.","start":1197.385,"end":1198.2051,"sentiment":"neutral","sentiment_score":0.06458576768636703}],"sentiment":"neutral","sentiment_score":0.028259203066689928,"num_words":57,"start":1175.6,"end":1198.2051},{"sentences":[{"text":"Not a problem at all.","start":1199.53,"end":1200.73,"sentiment":"neutral","sentiment_score":0.12788289040327072},{"text":"Beautiful.","start":1200.73,"end":1201.23,"sentiment":"neutral","sentiment_score":0.32200103998184204},{"text":"And I've got your assets notice.","start":1201.6901,"end":1203.53,"sentiment":"neutral","sentiment_score":0.13770112146933874},{"text":"Your main primary residence, we had a value on that of about 1,400,000 last year.","start":1203.53,"end":1208.49,"sentiment":"neutral","sentiment_score":0.0873577649394671},{"text":"What kind of value would you put on your house now do you think?","start":1208.49,"end":1211.23,"sentiment":"neutral","sentiment_score":0.052919123587863784}],"sentiment":"neutral","sentiment_score":0.0936306445155202,"num_words":41,"start":1199.53,"end":1211.23},{"sentences":[{"text":"Yep.","start":1216.4951,"end":1216.9951,"sentiment":"neutral","sentiment_score":0.16324414312839508},{"text":"Beautiful.","start":1217.135,"end":1217.635,"sentiment":"positive","sentiment_score":0.5539982318878174},{"text":"And we had a loan owing on the property of about 500,000.","start":1219.775,"end":1223.3151,"sentiment":"neutral","sentiment_score":0.07085486082360148},{"text":"Have you been able to reduce that since then?","start":1223.375,"end":1225.635,"sentiment":"neutral","sentiment_score":0.005860140340195762},{"text":"Still the same?","start":1228.8151,"end":1229.535,"sentiment":"neutral","sentiment_score":-0.04615572343269984}],"sentiment":"neutral","sentiment_score":0.05699133837165741,"num_words":26,"start":1216.4951,"end":1229.535},{"sentences":[{"text":"That's okay.","start":1229.535,"end":1230.5599,"sentiment":"neutral","sentiment_score":0.11832830682396889},{"text":"We also had your boat down here with a value of 30,000.","start":1231.2599,"end":1234.48,"sentiment":"neutral","sentiment_score":0.08620425810416539},{"text":"Would you still value your boat about the same?","start":1234.62,"end":1237.5199,"sentiment":"neutral","sentiment_score":0.04606875073578623},{"text":"Similar?","start":1239.98,"end":1240.48,"sentiment":"neutral","sentiment_score":0.011550504714250565},{"text":"Yeah.","start":1240.5399,"end":1240.86,"sentiment":"neutral","sentiment_score":0.007861960679292679}],"sentiment":"neutral","sentiment_score":0.06820555731654167,"num_words":25,"start":1229.535,"end":1240.86},{"sentences":[{"text":"Do you get out very often?","start":1240.86,"end":1242.32,"sentiment":"neutral","sentiment_score":-0.014613113986949125},{"text":"Not enough.","start":1245.605,"end":1246.425,"sentiment":"neutral","sentiment_score":-0.2646496593952179},{"text":"And I've also got your Hilux here as well.","start":1248.885,"end":1251.865,"sentiment":"neutral","sentiment_score":-0.024457503731052082},{"text":"Asset value of 20,000.","start":1252.0851,"end":1254.025,"sentiment":"neutral","sentiment_score":-0.03747648373246193},{"text":"Would you keep that the same or alter that valuation?","start":1254.0851,"end":1256.5851,"sentiment":"neutral","sentiment_score":-0.061038948595523834}],"sentiment":"neutral","sentiment_score":-0.05152874055408662,"num_words":31,"start":1240.86,"end":1256.5851},{"sentences":[{"text":"15?","start":1260.71,"end":1261.21,"sentiment":"neutral","sentiment_score":0.0056728096678853035},{"text":"Yeah.","start":1261.35,"end":1261.51,"sentiment":"neutral","sentiment_score":0.06872487813234329},{"text":"Absolutely.","start":1261.51,"end":1262.01,"sentiment":"neutral","sentiment_score":0.31207990646362305},{"text":"Beautiful.","start":1263.75,"end":1264.25,"sentiment":"positive","sentiment_score":0.475366473197937},{"text":"And then we've also got a Volkswagen here as well with a value of 56,000 on it.","start":1264.47,"end":1269.51,"sentiment":"neutral","sentiment_score":0.14830201119184494}],"sentiment":"neutral","sentiment_score":0.16109420274872155,"num_words":21,"start":1260.71,"end":1269.51},{"sentences":[{"text":"How would you value your Volkswagen?","start":1269.51,"end":1271.05,"sentiment":"neutral","sentiment_score":0.07718310380975406},{"text":"Just yeah.","start":1274.605,"end":1275.745,"sentiment":"neutral","sentiment_score":0.041149117052555084},{"text":"40?","start":1277.485,"end":1277.985,"sentiment":"neutral","sentiment_score":0.037871167063713074},{"text":"Beautiful.","start":1278.205,"end":1278.705,"sentiment":"neutral","sentiment_score":0.27984192967414856},{"text":"And we had a loan owing on that of about 35,000.","start":1279.885,"end":1282.845,"sentiment":"neutral","sentiment_score":0.038530306636609814}],"sentiment":"neutral","sentiment_score":0.06128301555734305,"num_words":21,"start":1269.51,"end":1282.845},{"sentences":[{"text":"Have you reduced the loan a bit?","start":1282.845,"end":1284.5449,"sentiment":"neutral","sentiment_score":-0.016158258276326314},{"text":"No.","start":1289.4,"end":1289.5599,"sentiment":"neutral","sentiment_score":-0.057397980242967606},{"text":"That's okay.","start":1289.5599,"end":1290.46,"sentiment":"neutral","sentiment_score":0.05288609117269516},{"text":"Beautiful.","start":1292.0399,"end":1292.5399,"sentiment":"positive","sentiment_score":0.3884459137916565},{"text":"And any other assets do you have?","start":1293.0,"end":1294.6799,"sentiment":"neutral","sentiment_score":0.1319770642689296}],"sentiment":"neutral","sentiment_score":0.06930843099123901,"num_words":18,"start":1282.845,"end":1294.6799},{"sentences":[{"text":"Any other shares, cryptocurrency, collections, or anything else of value that you would sorta note down?","start":1294.6799,"end":1300.095,"sentiment":"neutral","sentiment_score":0.09159458824433386},{"text":"No.","start":1303.0549,"end":1303.2949,"sentiment":"neutral","sentiment_score":-0.06998889148235321},{"text":"All good.","start":1303.2949,"end":1303.695,"sentiment":"neutral","sentiment_score":-0.03724895976483822},{"text":"Any credit cards or personal loans or any other liabilities?","start":1303.695,"end":1306.755,"sentiment":"neutral","sentiment_score":-0.03283573444932699},{"text":"No.","start":1309.2949,"end":1309.5349,"sentiment":"neutral","sentiment_score":-0.09527386724948884}],"sentiment":"neutral","sentiment_score":0.029913179638485114,"num_words":30,"start":1294.6799,"end":1309.5349},{"sentences":[{"text":"That's okay.","start":1309.5349,"end":1310.355,"sentiment":"neutral","sentiment_score":-0.05521188862621784},{"text":"Another thing to think about that a lot of people don't sorta note down as an asset is more like contents.","start":1310.495,"end":1314.815,"sentiment":"neutral","sentiment_score":-0.046009620562905355},{"text":"Because, theoretically, we, you know, we go back and we insure our contents for if anything was to happen.","start":1314.815,"end":1321.0499,"sentiment":"neutral","sentiment_score":-0.01795105949828499},{"text":"And if you did need money quickly, you would be selling things off to try and liquidate to get cash fast.","start":1321.4299,"end":1327.5299,"sentiment":"neutral","sentiment_score":-0.04932123715324061},{"text":"Do you have a contents insurance on your property that you're aware of?","start":1327.9099,"end":1331.205,"sentiment":"neutral","sentiment_score":-0.004062051383348612}],"sentiment":"neutral","sentiment_score":-0.03297695510187432,"num_words":76,"start":1309.5349,"end":1331.205},{"sentences":[{"text":"About 60,000 in value?","start":1335.125,"end":1336.825,"sentiment":"neutral","sentiment_score":0.017180138267576694},{"text":"Beautiful.","start":1336.965,"end":1337.465,"sentiment":"positive","sentiment_score":0.3521672785282135},{"text":"Excellent.","start":1338.485,"end":1338.985,"sentiment":"positive","sentiment_score":0.4667307734489441},{"text":"A lot of people don't think about contents as a bit of an asset, but it is considered still technically an asset.","start":1339.205,"end":1344.325,"sentiment":"neutral","sentiment_score":0.13871230828491124},{"text":"That's absolutely fine.","start":1344.325,"end":1345.705,"sentiment":"positive","sentiment_score":0.4207346737384796}],"sentiment":"neutral","sentiment_score":0.16779010995261132,"num_words":31,"start":1335.125,"end":1345.705},{"sentences":[{"text":"The other thing to sort of look at here is the estate planning side of things.","start":1346.75,"end":1350.2699,"sentiment":"neutral","sentiment_score":0.025091756018809974},{"text":"Now from what I can see, you don't have a will or power of attorney or sort of guardianship documents in place there.","start":1350.2699,"end":1357.1499,"sentiment":"neutral","sentiment_score":-0.05739124273152455},{"text":"Have you ever spoken you you like, you and your wife ever had that conversation and talked about doing your estate planning and seeing a solicitor for those services?","start":1357.1499,"end":1365.265,"sentiment":"neutral","sentiment_score":-0.01769441960315252},{"text":"It's on the list, is it?","start":1369.485,"end":1371.0249,"sentiment":"neutral","sentiment_score":0.016376672855888803},{"text":"Yeah.","start":1373.6901,"end":1374.01,"sentiment":"neutral","sentiment_score":0.12258204817771912}],"sentiment":"neutral","sentiment_score":-0.016144354262699685,"num_words":75,"start":1346.75,"end":1374.01},{"sentences":[{"text":"That's okay.","start":1374.01,"end":1374.8301,"sentiment":"neutral","sentiment_score":0.24701757729053497},{"text":"So with your beneficiary side of things at the moment, it does look like having a look at what I've got.","start":1375.29,"end":1381.31,"sentiment":"neutral","sentiment_score":0.16803687668982006},{"text":"Your super beneficiary for your hub 24, you have it noted as a 100% to Christine for your spouse in the event of something happening.","start":1381.37,"end":1389.6649,"sentiment":"neutral","sentiment_score":0.22077175259590148},{"text":"That sounds fairly appropriate given that you are married, but that is correct in how you prefer that to be nominated.","start":1390.205,"end":1396.3049,"sentiment":"neutral","sentiment_score":0.32054540514945984},{"text":"Yep.","start":1398.605,"end":1398.93,"sentiment":"neutral","sentiment_score":0.24686545133590695}],"sentiment":"neutral","sentiment_score":0.23600603342056276,"num_words":70,"start":1374.01,"end":1398.93},{"sentences":[{"text":"Beautiful.","start":1399.25,"end":1399.75,"sentiment":"positive","sentiment_score":0.5403850078582764},{"text":"I'm just double checking.","start":1399.81,"end":1400.8501,"sentiment":"neutral","sentiment_score":0.24788009747862816},{"text":"So with Cbus there, we have 99% directed to Christine as your wife, and then we have 1% to Noah.","start":1400.8501,"end":1409.5901,"sentiment":"neutral","sentiment_score":0.11188684664666652},{"text":"Is that how sorry.","start":1410.29,"end":1417.835,"sentiment":"neutral","sentiment_score":-0.013179433532059193},{"text":"I think I said my apologies.","start":1417.835,"end":1419.375,"sentiment":"neutral","sentiment_score":-0.26168150703112286}],"sentiment":"neutral","sentiment_score":0.061338158696889876,"num_words":35,"start":1399.25,"end":1419.375},{"sentences":[{"text":"Nora.","start":1419.435,"end":1419.915,"sentiment":"neutral","sentiment_score":-0.13742581009864807},{"text":"Is that right?","start":1419.915,"end":1420.8151,"sentiment":"neutral","sentiment_score":-0.06684975946942966},{"text":"And it's right.","start":1422.715,"end":1424.49,"sentiment":"neutral","sentiment_score":-0.0111386359979709},{"text":"Because it says his son, so it's being ticked off as a child.","start":1424.49,"end":1428.03,"sentiment":"neutral","sentiment_score":-0.05086389642495375},{"text":"Okay.","start":1433.29,"end":1433.77,"sentiment":"neutral","sentiment_score":-0.07360787689685822}],"sentiment":"neutral","sentiment_score":-0.052677596520100324,"num_words":21,"start":1419.435,"end":1433.77},{"sentences":[{"text":"So, realistically, the beneficiary within CBAS doesn't look like it has been nominated correctly.","start":1433.77,"end":1439.735,"sentiment":"neutral","sentiment_score":-0.17946231258766993},{"text":"Therefore, the the nomination technically would be invalid if at the time of claim.","start":1439.735,"end":1443.995,"sentiment":"negative","sentiment_score":-0.36519076355866026},{"text":"To kind of go through, when you are nominating a beneficiary, there are legislative requirements that you have to follow.","start":1444.615,"end":1451.5951,"sentiment":"neutral","sentiment_score":-0.1299238197505474},{"text":"So theoretically realistically, under legislation, your mom doesn't really qualify as a person who can receive the benefit.","start":1452.33,"end":1459.5499,"sentiment":"neutral","sentiment_score":-0.11884619999263021},{"text":"Under legislation for being a beneficiary, it can only be nominated to your children, your wife or spouse, someone who lives with you and relies on you financially.","start":1460.8099,"end":1471.085,"sentiment":"neutral","sentiment_score":-0.04283742633249078}],"sentiment":"neutral","sentiment_score":-0.1442797765769857,"num_words":94,"start":1433.77,"end":1471.085},{"sentences":[{"text":"So your mom could be nominated if she is an independent person or lives with you.","start":1471.3049,"end":1476.665,"sentiment":"neutral","sentiment_score":0.0222941089887172},{"text":"You sort of supply and look after her and pay for her bills, she has to rely on you financially to be considered a dependent, essentially.","start":1476.665,"end":1484.54,"sentiment":"neutral","sentiment_score":-0.06845114981898895},{"text":"Does she qualify as a dependent based on that?","start":1484.92,"end":1488.06,"sentiment":"neutral","sentiment_score":0.007085232529789209},{"text":"No.","start":1490.92,"end":1491.42,"sentiment":"neutral","sentiment_score":-0.13330170512199402},{"text":"No.","start":1491.56,"end":1491.9601,"sentiment":"neutral","sentiment_score":-0.10525304824113846}],"sentiment":"neutral","sentiment_score":-0.030147392680552207,"num_words":53,"start":1471.3049,"end":1491.9601},{"sentences":[{"text":"That's okay.","start":1491.9601,"end":1492.8601,"sentiment":"neutral","sentiment_score":0.008806861005723476},{"text":"We can set up a couple of different ways.","start":1493.5751,"end":1495.7351,"sentiment":"neutral","sentiment_score":0.12733565850390327},{"text":"So if you wanted to have her nominated as part of your beneficiary, you would need to direct the portion that you wanna pay to her through your estate, so through your will.","start":1495.7351,"end":1505.115,"sentiment":"neutral","sentiment_score":0.12397963395624449},{"text":"We do that by essentially taking a legal personal representative, and that means that if you pass away, the percent of your your super that you've nominated to be paid to your legal personal representative goes into your will.","start":1505.5099,"end":1519.85,"sentiment":"neutral","sentiment_score":0.09248129049172768},{"text":"And then in the body of your will, that needs to be directed to your mom nice and clear as to how much or what percentage goes to her directly.","start":1520.0651,"end":1528.005,"sentiment":"neutral","sentiment_score":0.09394988181690375}],"sentiment":"neutral","sentiment_score":0.1033648615290897,"num_words":113,"start":1491.9601,"end":1528.005},{"sentences":[{"text":"The other part of your nomination known as Chrissy, your wife, that is still valid, and you've noted a 100% here.","start":1529.025,"end":1536.95,"sentiment":"neutral","sentiment_score":0.10493597867233413},{"text":"The other option is if you just want everything to go to your wife, you can nominate her for a 100%.","start":1536.95,"end":1541.99,"sentiment":"neutral","sentiment_score":0.09154999646402541},{"text":"But at the moment, the c bus beneficiary nomination, unfortunately, is considered invalid.","start":1541.99,"end":1546.97,"sentiment":"neutral","sentiment_score":-0.3071171985222743},{"text":"And if you were to be passed away, your wife could follow through with her part of it, but your mom would essentially be declined if she went to claim on that, which could be not preferable given the circumstances if she lost her son and, you know, she was trying to claim on that benefit to look after herself.","start":1547.545,"end":1564.03,"sentiment":"neutral","sentiment_score":-0.2214826894303163},{"text":"Did you want us to help you update that?","start":1564.65,"end":1566.99,"sentiment":"neutral","sentiment_score":0.0037659087942706216}],"sentiment":"neutral","sentiment_score":-0.10581763136771417,"num_words":124,"start":1529.025,"end":1566.99},{"sentences":[{"text":"Yeah.","start":1570.89,"end":1571.37,"sentiment":"neutral","sentiment_score":0.12872637808322906},{"text":"Absolutely.","start":1571.37,"end":1571.87,"sentiment":"neutral","sentiment_score":0.22813081741333008},{"text":"Are you comfortable with us pre filling that nomination for you to make it easier?","start":1572.1699,"end":1576.35,"sentiment":"neutral","sentiment_score":0.22251994212468465},{"text":"Yeah.","start":1576.755,"end":1577.255,"sentiment":"neutral","sentiment_score":0.16177359223365784},{"text":"Beautiful.","start":1578.515,"end":1579.015,"sentiment":"positive","sentiment_score":0.596095085144043}],"sentiment":"neutral","sentiment_score":0.23434342130234367,"num_words":19,"start":1570.89,"end":1579.015},{"sentences":[{"text":"And speaking to your wife as well, like, definitely have that conversation around the estate planning, setting up a will of have attorney, things like that.","start":1579.235,"end":1586.835,"sentiment":"neutral","sentiment_score":0.23589902027295187},{"text":"That is really important to make sure that everything you've worked really hard for.","start":1586.835,"end":1591.0751,"sentiment":"neutral","sentiment_score":0.18661281040736608},{"text":"You're working phenomenal hours, and you're working overtime, and you've got your house and all your savings, new cars, and things like that.","start":1591.0751,"end":1598.78,"sentiment":"neutral","sentiment_score":0.22970694044361945},{"text":"So if anything was to happen to you, having a will in place is really important to protect everything that you've worked so hard for.","start":1598.78,"end":1605.76,"sentiment":"neutral","sentiment_score":0.23976304054260253},{"text":"And, also, having a power of attorney in place and nominating someone to make financial and or medical decisions on your behalf in the event that you're not able to is also really important to do.","start":1606.1849,"end":1616.105,"sentiment":"neutral","sentiment_score":0.09381205681711435}],"sentiment":"neutral","sentiment_score":0.18871389969342178,"num_words":124,"start":1579.235,"end":1616.105},{"sentences":[{"text":"And making sure they know what or how you would want them to act on your behalf in the event of something occurring to you.","start":1616.105,"end":1622.34,"sentiment":"neutral","sentiment_score":0.10908950567245483},{"text":"It's not an easy conversation to have, Sam, but it is definitely an important one to think about.","start":1622.4,"end":1627.62,"sentiment":"neutral","sentiment_score":0.0459011337823338},{"text":"Yeah.","start":1627.76,"end":1628.26,"sentiment":"neutral","sentiment_score":0.054106466472148895},{"text":"All go oh, good.","start":1630.96,"end":1632.8,"sentiment":"neutral","sentiment_score":0.25624779984354973},{"text":"Fantastic.","start":1632.8,"end":1633.3,"sentiment":"positive","sentiment_score":0.6862450838088989}],"sentiment":"neutral","sentiment_score":0.1085469550928291,"num_words":49,"start":1616.105,"end":1633.3},{"sentences":[{"text":"Everything looks like it's pretty well on par for the moment.","start":1634.8049,"end":1637.525,"sentiment":"positive","sentiment_score":0.47510145469145343},{"text":"Now just confirming, occupation wise, you're a plant operator in civil construction.","start":1637.525,"end":1642.005,"sentiment":"neutral","sentiment_score":0.0725610281030337},{"text":"Is that still correct?","start":1642.005,"end":1643.145,"sentiment":"neutral","sentiment_score":0.04974838346242905},{"text":"Yeah.","start":1645.2849,"end":1645.7849,"sentiment":"neutral","sentiment_score":0.1873183399438858},{"text":"Beautiful.","start":1645.9249,"end":1646.4249,"sentiment":"positive","sentiment_score":0.5578128695487976}],"sentiment":"neutral","sentiment_score":0.24279217524775143,"num_words":29,"start":1634.8049,"end":1646.4249},{"sentences":[{"text":"Excellent.","start":1646.645,"end":1647.145,"sentiment":"positive","sentiment_score":0.571747899055481},{"text":"And just sort of looking at because I'm gonna update your super and go back and reassess everything for you.","start":1648.51,"end":1654.91,"sentiment":"neutral","sentiment_score":0.2975498683750629},{"text":"I'll look at the hub 24 and the c bus, look at how everything's invested, make sure it's all in line, and make some updated recommendations there for you.","start":1654.91,"end":1663.17,"sentiment":"neutral","sentiment_score":0.25839345414063025},{"text":"Looking at your goals now, are you kind of hoping to be able to access super as the earliest available opportunity, or what age do you think you'll hope to retire and fully access super?","start":1664.0651,"end":1674.3251,"sentiment":"neutral","sentiment_score":0.088628486197974},{"text":"Yep.","start":1679.84,"end":1680.24,"sentiment":"neutral","sentiment_score":0.019956868141889572}],"sentiment":"neutral","sentiment_score":0.19928034095006975,"num_words":86,"start":1646.645,"end":1680.24},{"sentences":[{"text":"Probably 67.","start":1680.24,"end":1681.5399,"sentiment":"neutral","sentiment_score":0.007247981149703264},{"text":"Is that the age that you're assuming you're able to under the law, or is that just the age you would wanna access it?","start":1683.12,"end":1689.825,"sentiment":"neutral","sentiment_score":-0.015943186648655683},{"text":"Well, I can give you some good news because you can actually if you fully retire at the age of 60 within, you know, intention of retiring, you can access your super at that age.","start":1693.0249,"end":1702.3049,"sentiment":"neutral","sentiment_score":0.25751166471413206},{"text":"That's preservation age now.","start":1702.3049,"end":1704.0,"sentiment":"neutral","sentiment_score":0.17805015295743942},{"text":"If you work through to 65, regardless of whether you're working or not, they will then allow access to your super.","start":1704.56,"end":1711.06,"sentiment":"neutral","sentiment_score":0.1438269086536907}],"sentiment":"neutral","sentiment_score":0.14392248187539017,"num_words":86,"start":1680.24,"end":1711.06},{"sentences":[{"text":"And age 67, if you're eligible, is the age that you can apply for the age pension through Centrelink, essentially.","start":1711.28,"end":1717.7,"sentiment":"neutral","sentiment_score":0.08001336455345154},{"text":"Yeah.","start":1720.525,"end":1721.025,"sentiment":"neutral","sentiment_score":-0.0030428487807512283},{"text":"At the moment, I can double check for you.","start":1722.9249,"end":1727.9049,"sentiment":"neutral","sentiment_score":-0.016854850989249017},{"text":"Because it's just about to possibly go up.","start":1730.605,"end":1732.765,"sentiment":"neutral","sentiment_score":-0.02813248708844185},{"text":"It is indexed twice a year.","start":1732.765,"end":1734.9401,"sentiment":"neutral","sentiment_score":0.0341952263067166}],"sentiment":"neutral","sentiment_score":0.032400960102677345,"num_words":44,"start":1711.28,"end":1734.9401},{"sentences":[{"text":"At the current rate for a couple combined, it's $1,800.","start":1735.72,"end":1740.62,"sentiment":"neutral","sentiment_score":0.030597983673214913},{"text":"A single person gets 1,290, and if one person's eligible and the other person isn't, it's about $905 per fortnight.","start":1741.64,"end":1750.845,"sentiment":"neutral","sentiment_score":0.03541623465716839},{"text":"Yeah.","start":1753.865,"end":1754.265,"sentiment":"neutral","sentiment_score":0.20921117067337036},{"text":"So, realistically, the way I sort of try to work it with a lot of my older clients is when they get to that age of accessing the age pension, we try to apply for as much as we possibly can, and then we supplement that with super.","start":1754.265,"end":1765.88,"sentiment":"neutral","sentiment_score":0.2395098702982068},{"text":"So you're getting a little bit from the age pension, a little bit from super, and that's hopefully gonna get longevity out of your super and make it last as long as possible for you.","start":1765.88,"end":1775.265,"sentiment":"positive","sentiment_score":0.41277796285493035}],"sentiment":"neutral","sentiment_score":0.23830893135776646,"num_words":114,"start":1735.72,"end":1775.265},{"sentences":[{"text":"Yeah.","start":1775.265,"end":1775.765,"sentiment":"neutral","sentiment_score":0.07511524856090546},{"text":"Yeah.","start":1777.505,"end":1778.005,"sentiment":"neutral","sentiment_score":0.003892535343766213},{"text":"Fantastic.","start":1779.265,"end":1779.765,"sentiment":"positive","sentiment_score":0.4902868866920471},{"text":"Do you think age 60 still preferable, or did you want me to work on an earlier age for you for accessing your super as a goal?","start":1779.9851,"end":1787.925,"sentiment":"neutral","sentiment_score":0.08421529387986218},{"text":"Keep eight sixty seven.","start":1789.89,"end":1793.81,"sentiment":"neutral","sentiment_score":-0.038461610907688744}],"sentiment":"neutral","sentiment_score":0.07909591652124244,"num_words":34,"start":1775.265,"end":1793.81},{"sentences":[{"text":"Not a problem at all.","start":1793.81,"end":1794.93,"sentiment":"neutral","sentiment_score":0.16598037183284758},{"text":"Beautiful.","start":1794.93,"end":1795.43,"sentiment":"positive","sentiment_score":0.531261682510376},{"text":"And sort of thinking, Ward, do you have any other goals that you're looking to sort of achieve?","start":1796.21,"end":1800.31,"sentiment":"neutral","sentiment_score":0.09811653859085506},{"text":"No.","start":1805.4049,"end":1805.725,"sentiment":"neutral","sentiment_score":-0.1207745596766472},{"text":"That's okay.","start":1805.725,"end":1806.5249,"sentiment":"neutral","sentiment_score":-0.09435704723000526}],"sentiment":"neutral","sentiment_score":0.10436194748790176,"num_words":27,"start":1793.81,"end":1806.5249},{"sentences":[{"text":"No other investments that you're looking to sort of grow or build?","start":1806.5249,"end":1810.0449,"sentiment":"neutral","sentiment_score":-0.07075265298287074},{"text":"You're just sort of working and looking at your super and maybe access some age pension in the future as well?","start":1810.0449,"end":1815.4249,"sentiment":"neutral","sentiment_score":-0.014187118304627282},{"text":"Yep.","start":1819.485,"end":1819.86,"sentiment":"neutral","sentiment_score":-0.007240708917379379},{"text":"That's okay.","start":1819.94,"end":1820.66,"sentiment":"neutral","sentiment_score":0.10190226882696152},{"text":"That's absolutely fine.","start":1820.66,"end":1822.12,"sentiment":"neutral","sentiment_score":0.2501874268054962}],"sentiment":"neutral","sentiment_score":-0.0051239797702202425,"num_words":39,"start":1806.5249,"end":1822.12},{"sentences":[{"text":"And I'm just reconfirming.","start":1822.82,"end":1824.12,"sentiment":"neutral","sentiment_score":0.21630576625466347},{"text":"So just to reconfirm and make sure I've got everything covered for you, I'll go back and reassess your supers, the investments, and see how they're working, look at you know, updating the recommendations to make sure they're working as hard as possible for you.","start":1824.26,"end":1836.525,"sentiment":"neutral","sentiment_score":0.1736927981177966},{"text":"You're happy to retain the life and TPD you have now.","start":1836.585,"end":1839.545,"sentiment":"positive","sentiment_score":0.5421632582491095},{"text":"We're not looking at any additional insurances and the estate planning side of things.","start":1839.545,"end":1844.745,"sentiment":"neutral","sentiment_score":0.0836687061403479},{"text":"Just making sure your beneficiaries are nominated so that your wife receives a 100% of the benefit you were to pass away.","start":1844.745,"end":1851.26,"sentiment":"neutral","sentiment_score":0.21814227341250939}],"sentiment":"neutral","sentiment_score":0.21474673668853939,"num_words":96,"start":1822.82,"end":1851.26},{"sentences":[{"text":"Am I on the right track?","start":1851.26,"end":1852.38,"sentiment":"neutral","sentiment_score":0.14107764698565006},{"text":"Have I missed anything at all?","start":1852.38,"end":1854.08,"sentiment":"neutral","sentiment_score":-0.05339779953161875},{"text":"Oh, fantastic.","start":1855.6599,"end":1858.24,"sentiment":"positive","sentiment_score":0.43122872710227966},{"text":"Lovely.","start":1858.5399,"end":1858.94,"sentiment":"positive","sentiment_score":0.6946322917938232},{"text":"The only other goal I wanted to touch on was your mortgage.","start":1858.94,"end":1861.98,"sentiment":"neutral","sentiment_score":0.13789315025011697}],"sentiment":"neutral","sentiment_score":0.13844024569348054,"num_words":27,"start":1851.26,"end":1861.98},{"sentences":[{"text":"Are you hoping to sorta have that fully paid down by the time you hit retirement, or are you sorta not worried just chipping away at it through the years?","start":1861.98,"end":1870.005,"sentiment":"neutral","sentiment_score":0.009766078554093838},{"text":"Yeah.","start":1875.985,"end":1876.485,"sentiment":"neutral","sentiment_score":0.06803801655769348},{"text":"Beautiful.","start":1877.78,"end":1878.28,"sentiment":"positive","sentiment_score":0.47225475311279297},{"text":"Fourteen more years to go.","start":1878.5,"end":1880.26,"sentiment":"neutral","sentiment_score":0.28931963443756104},{"text":"Excellent.","start":1880.26,"end":1880.76,"sentiment":"positive","sentiment_score":0.6315488815307617}],"sentiment":"neutral","sentiment_score":0.07661637315820706,"num_words":38,"start":1861.98,"end":1880.76},{"sentences":[{"text":"Well, you're still nice and young.","start":1880.82,"end":1882.5,"sentiment":"positive","sentiment_score":0.5418593436479568},{"text":"Don't ever think that you're too old.","start":1882.5,"end":1884.18,"sentiment":"neutral","sentiment_score":0.15569342247077397},{"text":"And within that fourteen years, you've got plenty of time to pay your mortgage down and build your super up.","start":1884.18,"end":1889.16,"sentiment":"neutral","sentiment_score":0.3072646841406822},{"text":"Oh, goddamn it.","start":1893.535,"end":1894.675,"sentiment":"neutral","sentiment_score":0.0622704861064752},{"text":"The last thing to kinda let you know is in that email DocuSign there, we do have essentially the ongoing services agreement for the twelve months there.","start":1894.8151,"end":1903.6799,"sentiment":"neutral","sentiment_score":0.016295088386094128}],"sentiment":"neutral","sentiment_score":0.1763981356625519,"num_words":63,"start":1880.82,"end":1903.6799},{"sentences":[{"text":"So for us to remain as your servicing adviser and provide advice and help you along, we do need you to sign and return that back.","start":1903.6799,"end":1910.4199,"sentiment":"neutral","sentiment_score":0.028231105480629664},{"text":"Our fee structure essentially has been the same for the last few years.","start":1910.88,"end":1914.0,"sentiment":"neutral","sentiment_score":-0.003408241014067943},{"text":"It's been 1.65% per annum.","start":1914.0,"end":1916.58,"sentiment":"neutral","sentiment_score":0.004156623408198357},{"text":"We have recently updated that.","start":1916.735,"end":1918.735,"sentiment":"neutral","sentiment_score":0.017947858199477196},{"text":"So, essentially, with your with the fee structure now, it's a tiered structure.","start":1918.735,"end":1923.155,"sentiment":"neutral","sentiment_score":0.012055027513549877}],"sentiment":"neutral","sentiment_score":0.015434506048838939,"num_words":62,"start":1903.6799,"end":1923.155},{"sentences":[{"text":"So when your balance hits 200,000 as it has as it has now, it does mean that you tip over into the next tier.","start":1923.2151,"end":1931.76,"sentiment":"neutral","sentiment_score":0.022203071780192356},{"text":"So balance is up to 200,000.","start":1932.2999,"end":1934.4,"sentiment":"neutral","sentiment_score":0.0151695782939593},{"text":"You pay 1.65 percent per annum.","start":1934.5399,"end":1937.2,"sentiment":"neutral","sentiment_score":0.01384939020499587},{"text":"When your balance goes over into the next tier, it drops down to 1.375.","start":1937.34,"end":1942.22,"sentiment":"neutral","sentiment_score":-0.0030584256331037197},{"text":"So each tier that you drop down as your balance increases, we actually reduce the percentage of the tier.","start":1942.22,"end":1948.6849,"sentiment":"neutral","sentiment_score":0.024128092796002563}],"sentiment":"neutral","sentiment_score":0.016269613593897742,"num_words":69,"start":1923.2151,"end":1948.6849},{"sentences":[{"text":"So the fee structure won't be sort of fluctuating as much, and we set it as a dollar figure to give you more clarity around the fee for the year.","start":1948.6849,"end":1956.945,"sentiment":"neutral","sentiment_score":0.01958008473739028},{"text":"I'm just pulling up the ongoing service agreement for you in this document.","start":1957.485,"end":1961.53,"sentiment":"neutral","sentiment_score":0.021592816194662683},{"text":"So it essentially shows based on your balance, this year's ongoing service fee is expected to be 3,518 and 96¢.","start":1963.03,"end":1970.89,"sentiment":"neutral","sentiment_score":0.011138046111323331},{"text":"It used to be that it used to fluctuate with the market.","start":1971.4299,"end":1974.07,"sentiment":"neutral","sentiment_score":-0.012097316483656565},{"text":"So if you received, you know, a lot of contributions and or, you know, 20% return, our fee would increase with that.","start":1974.07,"end":1980.705,"sentiment":"neutral","sentiment_score":0.0003783116117119789}],"sentiment":"neutral","sentiment_score":0.0098217404835547,"num_words":97,"start":1948.6849,"end":1980.705},{"sentences":[{"text":"Our fee no longer happens.","start":1980.845,"end":1982.2849,"sentiment":"neutral","sentiment_score":0.05386362969875336},{"text":"It is a set dollar figure fee based on the percentage you're on, so you'll never pay more than what you've actually been quoted there.","start":1982.2849,"end":1989.1849,"sentiment":"neutral","sentiment_score":0.15168615996837617},{"text":"Okay?","start":1989.245,"end":1989.745,"sentiment":"neutral","sentiment_score":0.05456768721342087},{"text":"Yeah.","start":1991.89,"end":1992.37,"sentiment":"neutral","sentiment_score":0.1547311693429947},{"text":"The idea is that we do have to with the essentially, with the cost of advice, we do have to charge a fee for our services for the research, the advice we provide in keeping you on track for your retirement.","start":1992.37,"end":2002.31,"sentiment":"neutral","sentiment_score":0.2703279961900013}],"sentiment":"neutral","sentiment_score":0.2103317650417759,"num_words":73,"start":1980.845,"end":2002.31},{"sentences":[{"text":"But we also wanna make sure that as your balance increases, that the tier you're in decreases a little bit.","start":2003.185,"end":2008.9451,"sentiment":"neutral","sentiment_score":0.09945922754704953},{"text":"So as your balance increases, the percentage you pay on your ongoing service agreement will start to decrease a little bit for you to sort of provide more benefit.","start":2008.9451,"end":2018.83,"sentiment":"neutral","sentiment_score":0.22262183422672338},{"text":"And instead of just giving you an estimate, we do it as a set dollar figure fee now so that it will be consistent.","start":2019.45,"end":2025.71,"sentiment":"neutral","sentiment_score":0.2201856163640817},{"text":"It gives you more clarity around how much you're going to certainly pay.","start":2025.85,"end":2029.605,"sentiment":"positive","sentiment_score":0.402869483599296},{"text":"It still includes any additional advice that we're providing with regard to your super.","start":2029.6849,"end":2033.445,"sentiment":"neutral","sentiment_score":0.27616518629448755}],"sentiment":"neutral","sentiment_score":0.22833288431167603,"num_words":100,"start":2003.185,"end":2033.445},{"sentences":[{"text":"So we're not there's no implementation fees for this additional advice.","start":2033.445,"end":2037.365,"sentiment":"neutral","sentiment_score":0.13535818254405801},{"text":"It's all part of our services, part of that ongoing service agreement.","start":2037.365,"end":2040.8049,"sentiment":"neutral","sentiment_score":0.21506574749946594},{"text":"Does that make sense?","start":2040.8049,"end":2041.765,"sentiment":"neutral","sentiment_score":0.13851450197398663},{"text":"Do you have any questions?","start":2041.765,"end":2042.985,"sentiment":"neutral","sentiment_score":0.056796446442604065},{"text":"Yep.","start":2047.3099,"end":2047.71,"sentiment":"neutral","sentiment_score":0.17617850005626678}],"sentiment":"neutral","sentiment_score":0.15405902176192313,"num_words":33,"start":2033.445,"end":2047.71},{"sentences":[{"text":"Beautiful.","start":2047.71,"end":2048.21,"sentiment":"positive","sentiment_score":0.3742499351501465},{"text":"Yeah.","start":2049.79,"end":2050.29,"sentiment":"neutral","sentiment_score":0.17957627773284912},{"text":"Yep.","start":2059.5352,"end":2059.695,"sentiment":"neutral","sentiment_score":0.1102488338947296},{"text":"Well, what I'll get you to do, if you're comfortable and you would like the advice provided this year, we do have to get you to sign the service agreement so as to be able to provide the advice and assist you moving forward.","start":2059.695,"end":2069.955,"sentiment":"neutral","sentiment_score":0.1512154293331233},{"text":"If at any point you choose to not sign the agreement and don't wish to seek advice, it's fine.","start":2070.2551,"end":2074.38,"sentiment":"neutral","sentiment_score":-0.08703902324563578}],"sentiment":"neutral","sentiment_score":0.08581534084497076,"num_words":66,"start":2047.71,"end":2074.38},{"sentences":[{"text":"It just means that you'll be needing to look after your super and the insurances and decide whether you kind of roll them back or retain the hub, making sure that you're aware of the risk level and the investments and how everything is set up.","start":2074.38,"end":2086.72,"sentiment":"neutral","sentiment_score":0.011150662989720055},{"text":"The benefit to having an adviser is that we do review things regularly for you, update the advice, and clarify the risk levels.","start":2087.595,"end":2094.235,"sentiment":"neutral","sentiment_score":0.23608002552519675},{"text":"So at the moment, you told me you're happy to stay in that high growth environment there.","start":2094.235,"end":2097.835,"sentiment":"neutral","sentiment_score":0.14635779708623886},{"text":"You wanna take that greater risk for the greater potential returns.","start":2097.835,"end":2101.53,"sentiment":"neutral","sentiment_score":0.0668952688574791},{"text":"But down the track, you may not be comfortable taking those sorts of risks.","start":2102.07,"end":2105.1099,"sentiment":"neutral","sentiment_score":-0.24361281469464302}],"sentiment":"neutral","sentiment_score":0.05185695663765744,"num_words":111,"start":2074.38,"end":2105.1099},{"sentences":[{"text":"And one of what one of the things that we do aside from updating advice and changing things for you is making sure that we can determine when that time is to reduce that risk level and help you to reduce that in line with your goals and needs so that when you get to retirement, you're not sitting in a year out and seeing a, you know, a 40% major dip on your super.","start":2105.1099,"end":2125.755,"sentiment":"neutral","sentiment_score":0.07985244149963061},{"text":"The idea is we're trying to protect your capital by that point and reduce the risk level so you're not going into retirement after seeing a big 40 or 50 or 60% dip like the GFC kinda source.","start":2125.755,"end":2136.41,"sentiment":"neutral","sentiment_score":0.08274498385818381},{"text":"So there are those advantages there.","start":2136.41,"end":2138.91,"sentiment":"positive","sentiment_score":0.34126846492290497},{"text":"Obviously, we wanna make sure your returns are working for you, and that is a big factor.","start":2139.13,"end":2144.075,"sentiment":"positive","sentiment_score":0.38460948099108305},{"text":"The whilst you did receive a 5% return this year, that is net.","start":2144.775,"end":2148.135,"sentiment":"neutral","sentiment_score":0.17548389045091775}],"sentiment":"neutral","sentiment_score":0.13423157745859768,"num_words":149,"start":2105.1099,"end":2148.135},{"sentences":[{"text":"That's after our fee came out.","start":2148.135,"end":2149.895,"sentiment":"neutral","sentiment_score":0.14589961742361388},{"text":"So that's what you know, you still made $13,000 after our ongoing service fee.","start":2149.895,"end":2154.375,"sentiment":"neutral","sentiment_score":0.23232794127293996},{"text":"So you did make enough out of your super for our services, plus additional growth there that was compounding for your super.","start":2154.375,"end":2162.03,"sentiment":"positive","sentiment_score":0.4233279580419714},{"text":"So it is definitely working.","start":2162.03,"end":2164.05,"sentiment":"positive","sentiment_score":0.6217733502388001},{"text":"If at any point I find there's no value to it or you find there's no value to it, you're welcome to let me know, and we'll happily turn it off for you and seize our services.","start":2164.35,"end":2174.085,"sentiment":"neutral","sentiment_score":-0.1343798855369961}],"sentiment":"neutral","sentiment_score":0.13783351125727808,"num_words":84,"start":2148.135,"end":2174.085},{"sentences":[{"text":"But, if you are wanting the advice this time around, I will need you to sign and return that back there for me.","start":2174.085,"end":2179.685,"sentiment":"neutral","sentiment_score":-0.0052693914622068405},{"text":"Okay?","start":2179.685,"end":2180.185,"sentiment":"neutral","sentiment_score":0.01469122339040041},{"text":"Excellent.","start":2182.565,"end":2183.065,"sentiment":"positive","sentiment_score":0.5703437328338623},{"text":"I I easy.","start":2183.365,"end":2184.805,"sentiment":"positive","sentiment_score":0.4381432632605235},{"text":"I also just wanna clarify.","start":2184.805,"end":2186.265,"sentiment":"neutral","sentiment_score":0.1865575909614563}],"sentiment":"neutral","sentiment_score":0.08215323324795022,"num_words":33,"start":2174.085,"end":2186.265},{"sentences":[{"text":"Would you like me to do a catch up with you in the next few months as well just to sort of provide a little bit more value and, yeah, a little bit more clarity on what's happening with your super moving forward?","start":2186.325,"end":2197.2,"sentiment":"neutral","sentiment_score":0.1548514172088268},{"text":"Did you wanna catch up every sort of three or six months?","start":2197.2,"end":2199.44,"sentiment":"neutral","sentiment_score":0.024090024487425882},{"text":"What would you like to see, damn it?","start":2199.44,"end":2201.3,"sentiment":"neutral","sentiment_score":0.007238017627969384},{"text":"Six months?","start":2204.495,"end":2205.135,"sentiment":"neutral","sentiment_score":0.007169807329773903},{"text":"Yeah.","start":2205.135,"end":2205.375,"sentiment":"neutral","sentiment_score":0.027826040983200073}],"sentiment":"neutral","sentiment_score":0.10678425803780556,"num_words":66,"start":2186.325,"end":2205.375},{"sentences":[{"text":"That brings us to about February.","start":2205.375,"end":2206.975,"sentiment":"neutral","sentiment_score":0.029220284273227055},{"text":"That'd be okay?","start":2206.975,"end":2208.0352,"sentiment":"neutral","sentiment_score":0.06194843972722689},{"text":"Yeah.","start":2209.935,"end":2210.435,"sentiment":"neutral","sentiment_score":0.17738580703735352},{"text":"Beautiful.","start":2210.895,"end":2211.395,"sentiment":"positive","sentiment_score":0.4941723942756653},{"text":"What I'll get you to do is when you got some time signed and return that document back there, I'll get been stuck into the research.","start":2211.455,"end":2216.735,"sentiment":"neutral","sentiment_score":0.12422340972205767}],"sentiment":"neutral","sentiment_score":0.11520361834885301,"num_words":37,"start":2205.375,"end":2216.735},{"sentences":[{"text":"My team will give you a callback in a few weeks and rebook the time to go through the updated advice.","start":2216.735,"end":2221.74,"sentiment":"neutral","sentiment_score":0.2148187355626197},{"text":"We'll get those changes in place and get things working a little bit for you, and then I'll make sure I do some catch ups with you down the track to keep you on track and make sure things are working hard for you.","start":2222.3599,"end":2231.48,"sentiment":"positive","sentiment_score":0.37537459859793837},{"text":"Does that sound okay?","start":2231.48,"end":2232.6199,"sentiment":"neutral","sentiment_score":0.1294478252530098},{"text":"Beautiful.","start":2235.4849,"end":2235.9849,"sentiment":"positive","sentiment_score":0.7436490654945374},{"text":"Look.","start":2236.045,"end":2236.285,"sentiment":"positive","sentiment_score":0.5818467736244202}],"sentiment":"neutral","sentiment_score":0.32212623838387744,"num_words":71,"start":2216.735,"end":2236.285},{"sentences":[{"text":"Thank you so much.","start":2236.285,"end":2237.1648,"sentiment":"positive","sentiment_score":0.7724102586507797},{"text":"I apologize for the time.","start":2237.1648,"end":2239.105,"sentiment":"neutral","sentiment_score":0.232060444355011},{"text":"I've taken up way too much of your time, but I appreciate your time today to go through things.","start":2239.2449,"end":2243.505,"sentiment":"positive","sentiment_score":0.47110202202671453},{"text":"I look forward to putting this advice together for you.","start":2243.805,"end":2246.25,"sentiment":"positive","sentiment_score":0.790330445766449},{"text":"And if you have any questions, you are welcome to let me know at any point.","start":2246.25,"end":2249.77,"sentiment":"positive","sentiment_score":0.3867613263428211}],"sentiment":"positive","sentiment_score":0.5054142102599144,"num_words":54,"start":2236.285,"end":2249.77},{"sentences":[{"text":"Okay?","start":2249.77,"end":2250.27,"sentiment":"neutral","sentiment_score":0.31136906147003174},{"text":"No worries, Dermot.","start":2252.97,"end":2254.01,"sentiment":"positive","sentiment_score":0.5478402475516001},{"text":"You have a great day.","start":2254.01,"end":2255.05,"sentiment":"positive","sentiment_score":0.7861725091934204},{"text":"Don't work too hard.","start":2255.05,"end":2256.177,"sentiment":"neutral","sentiment_score":0.17200936749577522},{"text":"Thank you.","start":2258.097,"end":2258.657,"sentiment":"positive","sentiment_score":0.6608254015445709}],"sentiment":"positive","sentiment_score":0.5263627082109451,"num_words":15,"start":2249.77,"end":2258.657},{"sentences":[{"text":"See you later.","start":2258.657,"end":2259.457,"sentiment":"positive","sentiment_score":0.5280196766058604},{"text":"Bye.","start":2259.457,"end":2259.957,"sentiment":"neutral","sentiment_score":-0.10539738833904266}],"sentiment":"positive","sentiment_score":0.36966541036963463,"num_words":4,"start":2258.657,"end":2259.957}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Not too bad. Not too bad. It is. Yeah. Yep. Yep. Got new. Yep. That's gone now. Yep. Yeah. Yeah. All good. 28th Oneida Street, Parkdale 4159. Derma Waterstone '29 to the fifth seventy nine. Yeah. I can get emails. Yep. Yeah. Yep. Yeah. Just checking out. Two secs now. I I'm back to the Bluetooth. Yeah. I'm in that email there now. Yep. It's in there and out. Yep. Yeah. It's not I'm not happy with it. Like, it's I could've stayed with Cbus and got the same. Yeah. It's just not working, so I don't know what we're going to change or what's going on. Yeah. Definitely whatever changes we can make. And what kind of am I in the high risk or whereabouts am I? Yeah. No. I'm going to reduce it. No. Because when Americans come back, they'll come up stronger again. Yeah. He does. Yeah. Oh, yeah. Definitely whatever helps. Yeah. I'm all alone. Yeah. It does. Yeah. Yeah. No. But yeah. Whatever improvements you can make. Yeah. I'm all up for and yeah. Yeah. That's why we said we're Seabass. No. It's all good. Yeah. All good. When I first got it, I didn't know what it was and went to the doctor's couple yeah. No. I'm all good. Thanks. Yeah. Touch wood. How would you mean obtain something different? Would that cost me extra on my super or what would I'll just leave it as is for now. Yeah. Not really. No. Yes. No. No. It's all good with that yet. Yeah. Not not not not doing good. Yeah. Absolutely. But yeah. Hold this and all that. Yeah. Yeah. Not for now. No. Yep. Yep. No. Yeah. With one. One charge. 17. Yeah. Oh, she's been pretty good now. Fair enough. Yeah. No. Not at the moment. No. No. I'm happy enough. No. Yeah. Yeah. Yeah. It's about a 140. Well, that's that's what that's where the overtime and everything. Yeah. Yeah. We're doing a better, but yeah. Yeah. No. We're saving a bit. Yeah. Yeah. Wouldn't have a clue to missus who's looking after all that. Probably not at the moment. It's probably similar. One point 5. No. Still the same. Similar. Yeah. No. Not enough. Probably 15. Yeah. Yeah. Probably Sam as well. Probably party. Yeah. Apparently so. Yeah. Yeah. Not sure how much is on us. No. No. No credit cards. No. Yeah. I think we do. We owe up to $60. Yeah. We're yeah. I need to do it. Yes. Yeah. Yeah. Yeah. That's my mother's name. Yeah. No. Right. Yeah. Yeah. That's my mother's name. Yeah. No. That's my mother's name. Yes. No. Probably not. No. Yep. Yeah. Just update it to Chrissy if you can. Yep. Yep. Yep. Yes. Alright. Yeah. We will do. Yeah. We'll look into it. Yeah. Yep. Not sure. Probably. Yeah. 67. Yeah. I think that's is that the age you're able to say? Okay. Yeah. How much is the pension? Okay. Yep. Okay. Yep. Yep. No. Let's see. Probably not for now. It's the closest at that time. Not at the moment. No. No. Yeah. Probably not this year. No. I think it's pretty close there now. Yeah. Pretty good. Hopefully, chip away. Hopefully, it'll be paid off by then with fourteen more year. Yep. Yep. Okay. Yep. Yep. Yeah. That makes sense. How much yeah. Yeah. Yeah. Yep. No worries. Yep. Maybe six months. Yeah. Yep. That's what I'm yeah. Yep. Sounds perfect. Yep. Perfect. Perfect. Cheers for your help. 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Yeah. Not too bad. Not too bad. It is.\n\nYeah. Yep. Yep. Got new. Yep.\n\nThat's gone now. Yep. Yeah. Yeah. All good.\n\n28th Oneida Street, Parkdale 4159. Derma Waterstone '29 to the fifth seventy nine. Yeah. I can get emails. Yep.\n\nYeah. Yep. Yeah. Just checking out. Two secs now.\n\nI I'm back to the Bluetooth. Yeah. I'm in that email there now. Yep. It's in there and out.\n\nYep. Yeah. It's not I'm not happy with it. Like, it's I could've stayed with Cbus and got the same. Yeah.\n\nIt's just not working, so I don't know what we're going to change or what's going on. Yeah. Definitely whatever changes we can make. And what kind of am I in the high risk or whereabouts am I? Yeah.\n\nNo. I'm going to reduce it. No. Because when Americans come back, they'll come up stronger again. Yeah.\n\nHe does. Yeah. Oh, yeah. Definitely whatever helps. Yeah.\n\nI'm all alone. Yeah. It does. Yeah. Yeah.\n\nNo. But yeah. Whatever improvements you can make. Yeah. I'm all up for and yeah.\n\nYeah. That's why we said we're Seabass. No. It's all good. Yeah.\n\nAll good. When I first got it, I didn't know what it was and went to the doctor's couple yeah. No. I'm all good. Thanks.\n\nYeah. Touch wood. How would you mean obtain something different? Would that cost me extra on my super or what would I'll just leave it as is for now. Yeah.\n\nNot really. No. Yes. No. No.\n\nIt's all good with that yet. Yeah. Not not not not doing good. Yeah. Absolutely.\n\nBut yeah. Hold this and all that. Yeah. Yeah. Not for now.\n\nNo. Yep. Yep. No. Yeah.\n\nWith one. One charge. 17. Yeah. Oh, she's been pretty good now.\n\nFair enough. Yeah. No. Not at the moment. No.\n\nNo. I'm happy enough. No. Yeah. Yeah.\n\nYeah. It's about a 140. Well, that's that's what that's where the overtime and everything. Yeah. Yeah.\n\nWe're doing a better, but yeah. Yeah. No. We're saving a bit. Yeah.\n\nYeah. Wouldn't have a clue to missus who's looking after all that. Probably not at the moment. 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pension?","start":1720.015,"end":1721.3151,"sentiment":"neutral","sentiment_score":-0.006790881045162678},{"text":"Okay.","start":1752.425,"end":1752.745,"sentiment":"neutral","sentiment_score":0.12058048695325851},{"text":"Yep.","start":1752.745,"end":1753.245,"sentiment":"neutral","sentiment_score":0.16456076502799988},{"text":"Okay.","start":1776.065,"end":1776.385,"sentiment":"neutral","sentiment_score":0.0874703899025917}],"sentiment":"neutral","sentiment_score":0.03970848323984279,"num_words":9,"start":1719.6951,"end":1776.385},{"sentences":[{"text":"Yep.","start":1776.385,"end":1776.885,"sentiment":"neutral","sentiment_score":0.08942051231861115},{"text":"Yep.","start":1777.025,"end":1777.4249,"sentiment":"neutral","sentiment_score":0.04620998352766037},{"text":"No.","start":1777.4249,"end":1777.585,"sentiment":"neutral","sentiment_score":-0.02447706274688244},{"text":"Let's see.","start":1777.585,"end":1778.485,"sentiment":"neutral","sentiment_score":0.08518369123339653},{"text":"Probably not for now.","start":1789.1799,"end":1790.2999,"sentiment":"neutral","sentiment_score":-0.21359418705105782}],"sentiment":"neutral","sentiment_score":-0.06365065918200546,"num_words":9,"start":1776.385,"end":1790.2999},{"sentences":[{"text":"It's the closest at that time.","start":1790.2999,"end":1792.32,"sentiment":"neutral","sentiment_score":-0.13842585931221643},{"text":"Not at the moment.","start":1803.295,"end":1804.3351,"sentiment":"neutral","sentiment_score":-0.09305744990706444},{"text":"No.","start":1804.3351,"end":1804.8351,"sentiment":"neutral","sentiment_score":-0.11023978888988496},{"text":"No.","start":1805.6951,"end":1806.1951,"sentiment":"neutral","sentiment_score":-0.12768419086933136},{"text":"Yeah.","start":1816.25,"end":1816.41,"sentiment":"neutral","sentiment_score":-0.008218321017920971}],"sentiment":"neutral","sentiment_score":-0.11145594279066874,"num_words":13,"start":1790.2999,"end":1816.41},{"sentences":[{"text":"Probably not this year.","start":1816.41,"end":1821.87,"sentiment":"neutral","sentiment_score":0.023277812637388706},{"text":"No.","start":1854.6,"end":1854.76,"sentiment":"neutral","sentiment_score":-0.10592008382081984},{"text":"I think it's pretty close there now.","start":1854.76,"end":1856.36,"sentiment":"neutral","sentiment_score":-0.01813344018799918},{"text":"Yeah.","start":1856.36,"end":1856.84,"sentiment":"neutral","sentiment_score":0.2793557047843933},{"text":"Pretty good.","start":1856.84,"end":1857.58,"sentiment":"positive","sentiment_score":0.6836835443973541}],"sentiment":"neutral","sentiment_score":0.10046532526612281,"num_words":15,"start":1816.41,"end":1857.58},{"sentences":[{"text":"Hopefully, chip away.","start":1870.675,"end":1873.36,"sentiment":"neutral","sentiment_score":-0.06990185255805652},{"text":"Hopefully, it'll be paid off by then with fourteen more year.","start":1873.36,"end":1876.66,"sentiment":"neutral","sentiment_score":0.06731398505243388},{"text":"Yep.","start":1890.5751,"end":1890.7351,"sentiment":"neutral","sentiment_score":0.10697203874588011},{"text":"Yep.","start":1890.7351,"end":1891.2351,"sentiment":"neutral","sentiment_score":0.0826268345117569},{"text":"Okay.","start":1990.6901,"end":1991.17,"sentiment":"neutral","sentiment_score":0.07269939035177231}],"sentiment":"neutral","sentiment_score":0.046649796559530145,"num_words":17,"start":1870.675,"end":1991.17},{"sentences":[{"text":"Yep.","start":1991.17,"end":1991.67,"sentiment":"neutral","sentiment_score":0.11606194823980331},{"text":"Yep.","start":1991.73,"end":1992.23,"sentiment":"neutral","sentiment_score":0.12634265422821045},{"text":"Yeah.","start":2045.2999,"end":2045.62,"sentiment":"neutral","sentiment_score":0.10844631493091585},{"text":"That makes sense.","start":2045.62,"end":2046.6,"sentiment":"neutral","sentiment_score":0.13018125295639038},{"text":"How much yeah.","start":2047.0599,"end":2051.48,"sentiment":"neutral","sentiment_score":0.14752725263436636}],"sentiment":"neutral","sentiment_score":0.1315529371301333,"num_words":9,"start":1991.17,"end":2051.48},{"sentences":[{"text":"Yeah.","start":2053.46,"end":2053.96,"sentiment":"neutral","sentiment_score":0.129133939743042},{"text":"Yeah.","start":2056.955,"end":2057.455,"sentiment":"neutral","sentiment_score":0.112118661403656},{"text":"Yep.","start":2181.0,"end":2181.4001,"sentiment":"neutral","sentiment_score":0.04538574814796448},{"text":"No worries.","start":2181.4001,"end":2182.04,"sentiment":"neutral","sentiment_score":0.08614129945635796},{"text":"Yep.","start":2182.04,"end":2182.54,"sentiment":"neutral","sentiment_score":0.17070898413658142}],"sentiment":"neutral","sentiment_score":0.10493832205732663,"num_words":6,"start":2053.46,"end":2182.54},{"sentences":[{"text":"Maybe six months.","start":2202.815,"end":2203.775,"sentiment":"neutral","sentiment_score":0.0018693404272198677},{"text":"Yeah.","start":2203.775,"end":2204.275,"sentiment":"neutral","sentiment_score":0.010702843777835367},{"text":"Yep.","start":2208.7349,"end":2209.2,"sentiment":"neutral","sentiment_score":0.06437375396490097},{"text":"That's what I'm yeah.","start":2209.28,"end":2214.5898,"sentiment":"neutral","sentiment_score":0.0932419653981924},{"text":"Yep.","start":2233.2551,"end":2233.735,"sentiment":"neutral","sentiment_score":0.24152176082134247}],"sentiment":"neutral","sentiment_score":0.0695174241438508,"num_words":10,"start":2202.815,"end":2233.735},{"sentences":[{"text":"Sounds perfect.","start":2233.735,"end":2234.555,"sentiment":"positive","sentiment_score":0.6585566103458405},{"text":"Yep.","start":2234.7751,"end":2235.2751,"sentiment":"positive","sentiment_score":0.4593619704246521},{"text":"Perfect.","start":2236.375,"end":2236.875,"sentiment":"positive","sentiment_score":0.7748781442642212},{"text":"Perfect.","start":2250.63,"end":2251.13,"sentiment":"positive","sentiment_score":0.7251936197280884},{"text":"Cheers for your help.","start":2251.27,"end":2252.41,"sentiment":"positive","sentiment_score":0.8057281374931335}],"sentiment":"positive","sentiment_score":0.7221621672312418,"num_words":9,"start":2233.735,"end":2252.41},{"sentences":[{"text":"Same as thank you.","start":2256.7651,"end":2258.145,"sentiment":"positive","sentiment_score":0.522575668990612}],"sentiment":"positive","sentiment_score":0.522575668990612,"num_words":4,"start":2256.7651,"end":2258.145}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Dammit. This is Dana from Oakley Financial. How are you this morning?\n\nChannel 1: Yeah. Not too bad. Not too bad.\n\nChannel 0: That's good. I had you booked in to go through your annual review this morning. Is now still a good time there for you?\n\nChannel 1: It is. Yeah. Yep.\n\nChannel 0: Yep. Fantastic.\n\nChannel 1: Yep. Got\n\nChannel 0: I\n\nChannel 1: new.\n\nChannel 0: do apologize. There's some beeping in the background.\n\nChannel 1: Yep. That's gone now. Yep.\n\nChannel 0: All good. All good. Janet, before we jump into the call, just to let you know we do record our calls for quality and training purpose. Is that you happy to proceed with that?\n\nChannel 1: Yeah. Yeah. All good.\n\nChannel 0: Yes. Fantastic. And, also, just to do a quick security check there with you, we are discussing your personal information. So if I can please ask you to confirm your full name, your date of birth, and address I should have on file there for you.\n\nChannel 1: 28th Oneida Street, Parkdale 4159.\n\nChannel 0: Yep. And your full name and date of birth?\n\nChannel 1: Derma Waterstone '29 to the\n\nChannel 0: Yeah.\n\nChannel 1: fifth seventy nine.\n\nChannel 0: Beautiful. Thank you so much for that, Dammit. Now we normally do send some annual review documents through to you to kinda go through with us. Your it sounds like you're in the car or driving at the moment, so I'm gonna assume you probably don't have access to your emails. Am I correct in that?\n\nOr\n\nChannel 1: Yeah. I can get emails. Yep.\n\nChannel 0: you you can?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's okay. I'm gonna send that through to you now if you're able to jump into your emails there. Please don't if it's gonna be unsafe in any way, shape, or form. But if you are able to, that would be fantastic just so we can go through things together.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yeah. Should come through from Odoo sign or myself, Dana, at Odoo Financial.\n\nChannel 1: Just checking out.\n\nChannel 0: Sorry. You've got that there?\n\nChannel 1: Two secs now.\n\nChannel 0: That's okay.\n\nChannel 1: I I'm back to the Bluetooth. Yeah. I'm in that email there now.\n\nChannel 0: Beautiful. Fantastic. All good. So when we're looking at the email, if you press the button that takes you through to the next documents, I do believe it says sign here or documents to sign. It won't ask you to sign anything for the moment.\n\nIt's just so we can kinda go to those documents together. And the first one should just show you a summary of your superannuation and your insurance as noted there. Is that working for you?\n\nChannel 1: Yep. It's in there and out.\n\nChannel 0: Fantastic. So sorry about that. All good. So with your balances at the moment, so when I had a look back at your annual review last year, I pulled up your balances to see a bit of a comparison there. So your balance within Hub twenty four at the time was $179,005.56, and you had about 17,000 sitting in your c bus account there as well.\n\nAs of this annual review for the August 19, your super balance in Hub twenty four is up to $203,007.37 and 49¢, and you've got a bit over 26,000 sitting in sea bus there. So we have had a bit of growth issue, which is good to see. Okay?\n\nChannel 1: Yep.\n\nChannel 0: If you are able to go to the next document along, you will see your internal rate of return showing you a bit of an update of your portfolio performance for the year. The second page of that and looking at the second last column, it does show essentially for the year in within hub twenty four, you've received a 5.24% return. So, realistically, within a high growth portfolio, it is a little bit lower than where we sort of expect for the one year, but with what's been happening globally there, and looking at your portfolio, you've come up with a positive return, and it does show that earnings are about 13,985 for the year there as well. So all in all, it's a good positive return. It is also got to do with the fact there's no contributions in the hub 24.\n\nAll your contributions are going into Cbus. So this is essentially what the portfolio has done for the year just on its own working. So it's not in any way, shape, or form bad. You have been on board for around about two years at this point as well, and I did go back to have a look at what the average return was based on that two year time frame. Essentially, since coming on board in 2024, you've essentially had a 19 sorry.\n\n19.32% return. So when we kinda average that out over the two years, you've made about 9.66% on a yearly basis compounding forward. So it is a good return. You are well within that high growth kind of environment. It's just that some years the returns will be higher than others.\n\nIt just depends upon markets, what happens globally, and how markets do react there. Does that make sense so far? Do you have any questions at all, damn it?\n\nChannel 1: Yeah. It's not I'm not happy with it. Like, it's I could've stayed with Cbus and got the same. Yeah. It's just not working, so I don't know what we're going to change or what's going\n\nChannel 0: Yeah.\n\nChannel 1: on.\n\nChannel 0: That's that's understandable. I mean, there are it is important to note that you are in a high growth environment as well, so there's no guarantees that you're going to get a high return every year. You are taking on more risk in the market, so you are in a high growth kind of area. That does essentially mean that taking on more risk means that when the returns are higher, you are likely to get a much greater return and feel that, which is great. However, when the markets do take a bit of a dip as your balance increases, you are gonna feel that as well.\n\nAnd that is across the board with what's happened essentially globally in the market. That's something that every super fund has been feeling, not just yourself. So it's understandable that you may not be overly impressed with the return this year. It's also good to take advantage of the downtime and keep putting money into your super and kinda building on that. But there's no guarantee returns are going to be really good.\n\nInsane that in that high growth environment, if you're getting anywhere between a eight to 10% return on a yearly basis and compounding that forward, that keeps you with your average returns about where you're sort of where we would like you to see tracking. It's the average return of high growth portfolio should be able to obtain. And when we look at the last two years that you have been onboard, you've definitely been able to obtain that. As I said, it's a a compound of return of 9.66% over the two years thus far. So you are within that range.\n\nSo I do understand that you may not be overly impressed, but it is important to understand the risk level and how markets react, and that you're not gonna get a high return or a 15% return every year. There are years where you expect a negative return or a lower return. In saying that, I can see some changes that I could look to make to your portfolio. I can see that there are some investments that would be would be beneficial to maybe swap out for you. The Better Long Australian Equities portion is kind of down.\n\nThat investment probably shouldn't be as low as it is at the moment. And it does look like there are some other changes that we can make to your portfolio. If you'd like me to go back and review the portfolio or maybe update the advice for you.\n\nChannel 1: Yeah. Definitely whatever changes we can make. And what kind\n\nChannel 0: Yeah.\n\nChannel 1: of am I in the high risk or whereabouts\n\nChannel 0: You\n\nChannel 1: am\n\nChannel 0: are.\n\nChannel 1: I?\n\nChannel 0: Yeah. You are. So when you think about the risk level that you're in, I say risk out of number between one and five, five being a high you know, all invested in equities and the highest level of risk, and one being the lowest sitting all in cash, you're sitting at about a four. So in that high growth environment, you have about 90% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and commodities, and then also only that 10% in lower risk defensive investments there as well.\n\nThat's things like cash, bonds, and fixed interest. So you really realistically are taking a little bit more risk in the market to obtain greater potential returns when the market is performing. Yeah. Did you feel like you should be maybe reducing the risk level? Do you wanna maybe look at considering that a little bit?\n\nChannel 1: Yeah. No. I'm going to reduce it. No. Because when Americans come back, they'll come up stronger again.\n\nChannel 0: Yeah. Absolutely. And, look, you've come out with a positive return this year, so that's not actually too bad. A lot of super funds out there this year have had a lot of struggling. A lot of markets have been very down, so you have still had a positive return.\n\nEven without contributions, the other thing to think about and remember is that your contributions are going into SeaBus. So that's helping your SeaBus account along. Hub twenty four, that 5% return, which is a as a dollar figures of return a bit over $13,900, that's just the growth and the dividends that the portfolio has produced on its own, which is being reinvested back into the portfolio. So a 5% return and a $13,000 return with growth in income with no contributions is actually not a bad return for the market. Yeah.\n\nThere's no no kind of assistance there for your portfolio. It's just what it's doing on its own. And, admittedly, understandably, you probably wanna see more out of that, but it is also a long term investment. There's no such thing as a get rich quick scheme. It's about making sure you're getting consistent returns over time and compounding that towards your retirement goals.\n\nDoes that\n\nChannel 1: Yeah.\n\nChannel 0: make sense?\n\nChannel 1: He\n\nChannel 0: Yeah.\n\nChannel 1: does. Yeah.\n\nChannel 0: Beautiful. Beautiful. I never wanna lie to you or be dishonest there, but it is really important that we focus on the long term aspect of of super. And I know you do have two funds at the moment there. I have had a look at your portfolio, and there's definitely some advice I can look at.\n\nI can go back and review the super fund as well as the investments within that for you. I'd love to update the advice and maybe make some changes to your portfolio to keep it working harder for you if you're comfortable with me doing so.\n\nChannel 1: Oh, yeah. Definitely whatever helps. Yeah. I'm\n\nChannel 0: Yeah.\n\nChannel 1: all alone.\n\nChannel 0: All oh, good. All good. And, look, honestly, Dammit, you don't have to be high growth if it's not comfortable for you. So if at any point you find that you are not comfortable with those ups and downs in the market, admittedly, when your balance increases, you are definitely gonna feel those a lot more as well. So if you think about someone with $50,000 in sleep when they get a five percent return, that 5% return is much lower.\n\nWhereas someone with $5,500,000 in super, that same 5% return makes a much greater effect for them. So please let me know if you start to feel nervous with the market ups and downs, and we can always start to reduce your risk level.\n\nChannel 1: Yeah.\n\nChannel 0: I would be looking at the high growth environment generally suits someone who's about eight years away from accessing their super. So when you kinda get to that, you know, seven to eight year time horizon, I would definitely be asking and trying to pull you back a little bit as well. That way, we're sort of not taking too much risk as you get closer and closer to your retirement. Does that make sense?\n\nChannel 1: It does. Yeah. Yeah.\n\nChannel 0: Yeah. All good. Do you have further questions from any of that? Is there any questions that have come out of the conversation so far at all?\n\nChannel 1: No. But yeah. Whatever improvements you can make. Yeah. I'm all\n\nChannel 0: Yeah.\n\nChannel 1: up for and\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: perfectly happily to do that for you. Not a problem at all. Excellent. Now the other thing I just wanted to sort of bring out there was obviously your insurances. So we had retained your fee bus back when you came on board originally.\n\nI believe you have lupus. Is that right?\n\nChannel 1: Yeah. That's why we said we're\n\nChannel 0: Yeah. Yeah. Can I ask how is everything going with your lupus? Has it\n\nChannel 1: Seabass.\n\nChannel 0: sort of flared up? Have you had any symptoms or had any time off work with regard to the condition?\n\nChannel 1: No. It's all good. Yeah. All\n\nChannel 0: No.\n\nChannel 1: good.\n\nChannel 0: All all good. Happy. When was the last time that you had a flare up?\n\nChannel 1: When I first got it, I didn't know what it was and went to the doctor's couple\n\nChannel 0: Oh, yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. And that's when they diagnosed you, and you've not really had any ongoing symptoms there since, which is good.\n\nChannel 1: No. I'm all good. Thanks. Yeah. Touch wood.\n\nChannel 0: Excellent. Excellent. Excellent. So the main reason, obviously, for retaining C Bus was due to the lupus there. With your life cover, if you think about the insurances you have at the moment, if you were to pass away today within c bus there, your life cover currently pays out a benefit of 52,000.\n\nNow if you think about how life cover is structured, if you did and this is hypothetical. I would love. I don't want anything to happen to you. But if you were to pass away, your beneficiaries could claim the life cover of 52,000, but then also your super benefit can be paid out on top of that as well. So if we think about that, you've got $203,007.37, 26,028 in c bus, and then 52,000 of life cover.\n\nTheoretically, based on your current circumstances, your beneficiaries could receive about 281,675. Do you feel between your insurances and your super that that is a preferred benefit, or would you like to maybe look at trying to obtain something a little bit different? What's your thoughts?\n\nChannel 1: How would you mean obtain something different?\n\nChannel 0: Well, I can go back. I know if you have had your lupus for a long period of time and you haven't had any symptoms or flare ups, I could go out to the market and see if we're able to obtain any top up cover for you, increase the level of cover you have to make sure it aligns with your goals, or see what I can do with the cover that you've got.\n\nChannel 1: Would that cost me extra on my super or what would\n\nChannel 0: It would. Yeah. So if you're increasing your insurance cover, it does the premiums do tend to go up because you're paying for the extra cover. You have options where you can pay for it personally if you prefer not to have it coming out of your super, But most people hold insurances and hold them inside super so they're not having to pay those premiums out of their back pocket. In saying that if you're happy with the level of cover you have and it meets your goals that you don't wanna review it, that's absolutely fine.\n\nI just wanted to sort of see what what you would like to see, what level of cover is appropriate to you, and see what I can do to help you there.\n\nChannel 1: I'll just leave it as is for now.\n\nChannel 0: Leave it as is? Yeah. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And now you've also got some total permanent disability. Do you know and understand how TBD works or what total permanent disability covers and how it pays out?\n\nChannel 1: Not really. No.\n\nChannel 0: No. That's okay. So TBD is a disability cover. It pays out either a lump sum benefit or an income stream in the event that you're totally incapacitated, say, you broke your back and could never go back to work again as an example. TBD, the level of cover you have is 26,000.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: if in the event of a claim, you could claim the 26,000 from Cbus. It's important that I let you know, unfortunately, TBD is actually a taxable payment. So if you were under 60 and you claimed TBD, we can also release or get access to your super to release that benefit. But then if you take the whole amount out, you can be taxed at up to 22% depending on a few factors there. Do you feel like the level of cover you have is appropriate for TBD?\n\nDid you wanna look at trying to get something a little bit different, or do you have any questions in relation to what I've just gone through?\n\nChannel 1: No. No. It's all good with that yet. Yeah.\n\nChannel 0: You happy with that? That's okay. Do you have any questions, Dermot? I know some people hear that and go, oh my god. Is there is there anything you wanted to ask me or have me clarify further for you in relation to it?\n\nChannel 1: Not not not not doing good.\n\nChannel 0: That's that's okay. Now there are other types of personal insurance that I do have to touch on for you. So you don't have any income protection. How would you do you have much in the way of sick leave, annual leave, or savings that you could fall back on if you weren't able to go to work in the short term? How would you cover your expenditure if you weren't able to go to work?\n\nChannel 1: Yeah. Absolutely. But yeah. Hold this and\n\nChannel 0: Yep.\n\nChannel 1: all that.\n\nChannel 0: Excellent. And you've got plenty of sick leave, annual leave, and a long service leave?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. And you're happy not worrying about income protection there at all?\n\nChannel 1: Not for now. No.\n\nChannel 0: No. That's okay. That's absolutely fine. If at any point you decide that you wanna have that conversation in more detail, please let me know. You're not limited to one review a year.\n\nIf you wanna have more conversations or do you want more catch ups, please let me know. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent.\n\nChannel 1: No.\n\nChannel 0: Fantastic. Now there are other types of covers like trauma and child trauma. I'm looking at your circumstances here. You do have some dependent children. Is that right?\n\nChannel 1: Yeah. With one. One\n\nChannel 0: One?\n\nChannel 1: charge.\n\nChannel 0: How how old?\n\nChannel 1: 17.\n\nChannel 0: 17? Wow. How were the\n\nChannel 1: Yeah.\n\nChannel 0: teenage years?\n\nChannel 1: Oh, she's been pretty good now. Fair enough.\n\nChannel 0: Oh, fantastic. That's great. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: So there are other types of personal insurances that you can obtain. Given your child is slightly older than the entry age, their child trauma wouldn't really be an option. But you can cover yourself for additional type of, like, traumatic illnesses like cancer, heart attack, stroke, certain neurological conditions by obtaining a certain level of trauma cover. Trauma does have to be paid outside of super. Are you open to looking at any additional cover outside of what you already have that may provide benefit in the event of a major diagnosis?\n\nChannel 1: No. Not at the moment. No.\n\nChannel 0: No. That's okay. Beautiful. Do you have any questions about the insurance aspect or anything I've kind of told you today just to sort of clarify?\n\nChannel 1: No. I'm happy enough.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: Excellent. Fantastic. Just running through a couple of additional circumstances there for you. Now I've got down here that, Christine, I believe, sorry, is your wife is your next of kin. That's all still okay?\n\nStill married?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Income wise, you were on about a 112,000 when we caught up last time. Has your income increased? Have you been lucky enough to get a a pay rise at all?\n\nChannel 1: Yeah. It's about a 140.\n\nChannel 0: Oh, fantastic. Excellent. Well,\n\nChannel 1: Well, that's\n\nChannel 0: congratulations.\n\nChannel 1: that's what that's where the overtime and everything. Yeah.\n\nChannel 0: Overtime. Yeah. Beautiful. And do you do quite a lot of overtime?\n\nChannel 1: Yeah. We're doing a better, but yeah. Yeah.\n\nChannel 0: Yeah. Yeah. Beautiful. Are you finding that you're able to save much out of your income on a regular basis, like, on a weekly or fortnightly basis, or is all of your income kinda going towards your family expenses?\n\nChannel 1: No. We're saving a bit. Yeah. Yeah.\n\nChannel 0: You are saving? If you had to put it into a dollar figure, how much would you say you would save?\n\nChannel 1: Wouldn't have a clue to missus who's looking after all that.\n\nChannel 0: She's a good seller, isn't she? I was just popped down here that you're not really sure. That's absolutely fine. Now to sort of if there was an option to kind of help provide a boost to your sofa, would you be open to making additional contributions, salary sacrifice, and things like that to help your super grow towards your goals, or would you prefer not? What's your thoughts with that?\n\nChannel 1: Probably not at the moment.\n\nChannel 0: Yep. That's okay. Not a problem at all. Beautiful. And I've got your assets notice.\n\nYour main primary residence, we had a value on that of about 1,400,000 last year. What kind of value would you put on your house now do you think?\n\nChannel 1: It's probably similar. One point\n\nChannel 0: Yep. Beautiful. And we had a loan owing on the property of about 500,000. Have you been able to reduce that since then?\n\nChannel 1: 5. No. Still the same.\n\nChannel 0: Still the same? That's okay. We also had your boat down here with a value of 30,000. Would you still value your boat about the same?\n\nChannel 1: Similar. Yeah.\n\nChannel 0: Similar? Yeah. Do you get out very often?\n\nChannel 1: No. Not enough.\n\nChannel 0: Not enough. And I've also got your Hilux here as well. Asset value of 20,000. Would you keep that the same or alter that valuation?\n\nChannel 1: Probably 15. Yeah.\n\nChannel 0: 15? Yeah. Absolutely. Beautiful. And then we've also got a Volkswagen here as well with a value of 56,000 on it.\n\nHow would you value your Volkswagen?\n\nChannel 1: Yeah. Probably Sam as well.\n\nChannel 0: Just yeah.\n\nChannel 1: Probably party.\n\nChannel 0: 40? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And we had a loan owing on that of about 35,000. Have you reduced the loan a bit?\n\nChannel 1: Apparently so. Yeah. Yeah. Not sure how much is on us.\n\nChannel 0: No. That's okay. Beautiful. And any other assets do you have? Any other shares, cryptocurrency, collections, or anything else of value that you would sorta note down?\n\nChannel 1: No. No.\n\nChannel 0: No. All good. Any credit cards or personal loans or any other liabilities?\n\nChannel 1: No credit cards. No.\n\nChannel 0: No. That's okay. Another thing to think about that a lot of people don't sorta note down as an asset is more like contents. Because, theoretically, we, you know, we go back and we insure our contents for if anything was to happen. And if you did need money quickly, you would be selling things off to try and liquidate to get cash fast.\n\nDo you have a contents insurance on your property that you're aware of?\n\nChannel 1: Yeah. I think we do. We owe up to $60.\n\nChannel 0: About 60,000 in value? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. A lot of people don't think about contents as a bit of an asset, but it is considered still technically an asset. That's absolutely fine. The other thing to sort of look at here is the estate planning side of things. Now from what I can see, you don't have a will or power of attorney or sort of guardianship documents in place there.\n\nHave you ever spoken you you like, you and your wife ever had that conversation and talked about doing your estate planning and seeing a solicitor for those services?\n\nChannel 1: We're yeah. I need to do it.\n\nChannel 0: It's on the list, is it?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. That's okay. So with your beneficiary side of things at the moment, it does look like having a look at what I've got. Your super beneficiary for your hub 24, you have it noted as a 100% to Christine for your spouse in the event of something happening. That sounds fairly appropriate given that you are married, but that is correct in how you prefer that to be nominated.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. I'm just double checking. So with Cbus there, we have 99% directed to Christine as your wife, and then we have 1% to Noah. Is that how\n\nChannel 1: Yeah. That's my mother's name.\n\nChannel 0: sorry. I think I said my apologies. Nora. Is that right?\n\nChannel 1: Yeah. No. Right. Yeah. Yeah.\n\nThat's my mother's\n\nChannel 0: And\n\nChannel 1: name.\n\nChannel 0: it's\n\nChannel 1: Yeah.\n\nChannel 0: right. Because it says his son, so it's being ticked off as a child.\n\nChannel 1: No. That's my mother's name.\n\nChannel 0: Okay. So, realistically, the beneficiary within CBAS doesn't look like it has been nominated correctly. Therefore, the the nomination technically would be invalid if at the time of claim. To kind of go through, when you are nominating a beneficiary, there are legislative requirements that you have to follow. So\n\nChannel 1: Yes.\n\nChannel 0: theoretically realistically, under legislation, your mom doesn't really qualify as a person who can receive the benefit. Under legislation for being a beneficiary, it can only be nominated to your children, your wife or spouse, someone who lives with you and relies on you financially. So your mom could be nominated if she is an independent person or lives with you. You sort of supply and look after her and pay for her bills, she has to rely on you financially to be considered a dependent, essentially. Does she qualify as a dependent based on that?\n\nChannel 1: No. Probably not.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: No. That's okay. We can set up a couple of different ways. So if you wanted to have her nominated as part of your beneficiary, you would need to direct the portion that you wanna pay to her through your estate, so through your will. We do that by essentially taking a legal personal representative, and that means that if you pass away, the percent of your your super that you've nominated to be paid to your legal personal representative goes into your will.\n\nAnd then in the body of your will, that needs to be directed to your mom nice and clear as to how much or what percentage goes to her directly. The other part of your nomination known as Chrissy, your wife, that is still valid, and you've noted a 100% here. The other option\n\nChannel 1: Yep.\n\nChannel 0: is if you just want everything to go to your wife, you can nominate her for a 100%. But at the moment, the c bus beneficiary nomination, unfortunately, is considered invalid. And if you were to be passed away, your wife could follow through with her part of it, but your mom would essentially be declined if she went to claim on that, which could be not preferable given the circumstances if she lost her son and, you know, she was trying to claim on that benefit to look after herself. Did you want us to help you update that?\n\nChannel 1: Yeah. Just update it to Chrissy if you can.\n\nChannel 0: Yeah. Absolutely. Are you comfortable with us pre filling that nomination for you\n\nChannel 1: Yep.\n\nChannel 0: to make it easier? Yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. And speaking to your wife as well, like, definitely have that conversation around the estate planning, setting up a will of have attorney, things like that. That is really important to make sure that everything you've worked really hard for. You're working phenomenal hours, and you're working overtime, and you've got your house and all your savings, new cars, and things like that. So if anything was to happen to you, having a will in place is really important to protect everything that you've worked so hard for.\n\nAnd,\n\nChannel 1: Yes.\n\nChannel 0: also, having a power of attorney in place and nominating someone to make financial and or medical decisions on your behalf in the event that you're not able to is also really important to do. And making sure they know what or how you would want them to act on your behalf in the event of something occurring to you. It's not an easy conversation to have, Sam, but it is definitely an important one to think about. Yeah.\n\nChannel 1: Alright. Yeah. We will do. Yeah. We'll look into\n\nChannel 0: All\n\nChannel 1: it.\n\nChannel 0: go oh, good. Fantastic. Everything looks like it's pretty well on par for the moment. Now just confirming, occupation wise, you're a plant operator in civil construction. Is that still correct?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Beautiful. Excellent. And just sort of looking at because I'm gonna update your super and go back and reassess everything for you. I'll look at the hub 24 and the c bus, look at how everything's invested, make sure it's all in line, and make some updated recommendations there for you.\n\nLooking at your goals now, are you kind of hoping to be able to access super as the earliest available opportunity, or what age do you think you'll hope to retire and fully access super?\n\nChannel 1: Not sure. Probably. Yeah. 67.\n\nChannel 0: Yep. Probably 67.\n\nChannel 1: Yeah.\n\nChannel 0: Is that the age that you're assuming you're able to under the law, or is that just the age you would wanna access it?\n\nChannel 1: I think that's is that the age you're able to say?\n\nChannel 0: Well, I can give you some good news because you can actually if you fully retire at the age of 60 within, you know, intention of retiring, you can access your super at that age. That's preservation age now. If you work through to 65, regardless of whether you're working or not, they will then allow access to your super. And age 67, if you're eligible, is the age that you can apply for the age pension through Centrelink, essentially.\n\nChannel 1: Okay. Yeah. How much is\n\nChannel 0: Yeah.\n\nChannel 1: the pension?\n\nChannel 0: At the moment, I can double check for you. Because it's just about to possibly go up. It is indexed twice a year. At the current rate for a couple combined, it's $1,800. A single person gets 1,290, and if one person's eligible and the other person isn't, it's about $905 per fortnight.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. So, realistically, the way I sort of try to work it with a lot of my older clients is when they get to that age of accessing the age pension, we try to apply for as much as we possibly can, and then we supplement that with super. So you're getting a little bit from the age pension, a little bit from super, and that's hopefully gonna get longevity out of your super and make it last as long as possible for you. Yeah.\n\nChannel 1: Okay. Yep. Yep. No.\n\nChannel 0: Yeah.\n\nChannel 1: Let's see.\n\nChannel 0: Fantastic. Do you think age 60 still preferable, or did you want me to work on an earlier age for you for accessing your super as a goal?\n\nChannel 1: Probably not for\n\nChannel 0: Keep\n\nChannel 1: now. It's the closest at that time.\n\nChannel 0: eight sixty seven. Not a problem at all. Beautiful. And sort of thinking, Ward, do you have any other goals that you're looking to sort of achieve?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: That's okay. No other investments that you're looking to sort of grow or build? You're just sort of working and looking at your super and maybe access some age pension in the future as well?\n\nChannel 1: Yeah. Probably not this\n\nChannel 0: Yep. That's okay. That's absolutely\n\nChannel 1: year.\n\nChannel 0: fine. And I'm just reconfirming. So just to reconfirm and make sure I've got everything covered for you, I'll go back and reassess your supers, the investments, and see how they're working, look at you know, updating the recommendations to make sure they're working as hard as possible for you. You're happy to retain the life and TPD you have now. We're not looking at any additional insurances and the estate planning side of things.\n\nJust making sure your beneficiaries are nominated so that your wife receives a 100% of the benefit you were to pass away. Am I on the right track? Have I missed anything at all?\n\nChannel 1: No. I think it's pretty close\n\nChannel 0: Oh,\n\nChannel 1: there now. Yeah. Pretty good.\n\nChannel 0: fantastic. Lovely. The only other goal I wanted to touch on was your mortgage. Are you hoping to sorta have that fully paid down by the time you hit retirement, or are you sorta not worried just chipping away at it through the years?\n\nChannel 1: Hopefully, chip away. Hopefully, it'll be paid off by then with fourteen more\n\nChannel 0: Yeah.\n\nChannel 1: year.\n\nChannel 0: Beautiful. Fourteen more years to go. Excellent. Well, you're still nice and young. Don't ever think that you're too old.\n\nAnd within that fourteen years, you've got plenty of time to pay your mortgage down and build your super up.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Oh, goddamn it. The last thing to kinda let you know is in that email DocuSign there, we do have essentially the ongoing services agreement for the twelve months there. So for us to remain as your servicing adviser and provide advice and help you along, we do need you to sign and return that back. Our fee structure essentially has been the same for the last few years. It's been 1.65% per annum.\n\nWe have recently updated that. So, essentially, with your with the fee structure now, it's a tiered structure. So when your balance hits 200,000 as it has as it has now, it does mean that you tip over into the next tier. So balance is up to 200,000. You pay 1.65 percent per annum.\n\nWhen your balance goes over into the next tier, it drops down to 1.375. So each tier that you drop down as your balance increases, we actually reduce the percentage of the tier. So the fee structure won't be sort of fluctuating as much, and we set it as a dollar figure to give you more clarity around the fee for the year. I'm just pulling up the ongoing service agreement for you in this document. So it essentially shows based on your balance, this year's ongoing service fee is expected to be 3,518 and 96¢.\n\nIt used to be that it used to fluctuate with the market. So if you received, you know, a lot of contributions and or, you know, 20% return, our fee would increase with that. Our fee no longer happens. It is a set dollar figure fee based on the percentage you're on, so you'll never pay more than what you've actually been quoted there. Okay?\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yeah. The idea is that we do have to with the essentially, with the cost of advice, we do have to charge a fee for our services for the research, the advice we provide in keeping you on track for your retirement. But we also wanna make sure that as your balance increases, that the tier you're in decreases a little bit. So as your balance increases, the percentage you pay on your ongoing service agreement will start to decrease a little bit for you to sort of provide more benefit. And instead of just giving you an estimate, we do it as a set dollar figure fee now so that it will be consistent.\n\nIt gives you more clarity around how much you're going to certainly pay. It still includes any additional advice that we're providing with regard to your super. So we're not there's no implementation fees for this additional advice. It's all part of our services, part of that ongoing service agreement. Does that make sense?\n\nDo you have any questions?\n\nChannel 1: Yeah. That makes sense. How much\n\nChannel 0: Yep. Beautiful. Yeah.\n\nChannel 1: yeah. Yeah. Yeah.\n\nChannel 0: Yep. Well, what I'll get you to do, if you're comfortable and you would like the advice provided this year, we do have to get you to sign the service agreement so as to be able to provide the advice and assist you moving forward. If at any point you choose to not sign the agreement and don't wish to seek advice, it's fine. It just means that you'll be needing to look after your super and the insurances and decide whether you kind of roll them back or retain the hub, making sure that you're aware of the risk level and the investments and how everything is set up. The benefit to having an adviser is that we do review things regularly for you, update the advice, and clarify the risk levels.\n\nSo at the moment, you told me you're happy to stay in that high growth environment there. You wanna take that greater risk for the greater potential returns. But down the track, you may not be comfortable taking those sorts of risks. And one of what one of the things that we do aside from updating advice and changing things for you is making sure that we can determine when that time is to reduce that risk level and help you to reduce that in line with your goals and needs so that when you get to retirement, you're not sitting in a year out and seeing a, you know, a 40% major dip on your super. The idea is we're trying to protect your capital by that point and reduce the risk level so you're not going into retirement after seeing a big 40 or 50 or 60% dip like the GFC kinda source.\n\nSo there are those advantages there. Obviously, we wanna make sure your returns are working for you, and that is a big factor. The whilst you did receive a 5% return this year, that is net. That's after our fee came out. So that's what you know, you still made $13,000 after our ongoing service fee.\n\nSo you did make enough out of your super for our services, plus additional growth there that was compounding for your super. So it is definitely working. If at any point I find there's no value to it or you find there's no value to it, you're welcome to let me know, and we'll happily turn it off for you and seize our services. But, if you are wanting the advice this time around, I will need you to sign and return that back there for me. Okay?\n\nChannel 1: Yep. No worries. Yep.\n\nChannel 0: Excellent. I I easy. I also just wanna clarify. Would you like me to do a catch up with you in the next few months as well just to sort of provide a little bit more value and, yeah, a little bit more clarity on what's happening with your super moving forward? Did you wanna catch up every sort of three or six months?\n\nWhat would you like to see, damn it?\n\nChannel 1: Maybe six months. Yeah.\n\nChannel 0: Six months? Yeah. That brings us to about February. That'd be okay?\n\nChannel 1: Yep. That's what\n\nChannel 0: Yeah. Beautiful. What I'll get you to do is when you got some time signed and\n\nChannel 1: I'm\n\nChannel 0: return that\n\nChannel 1: yeah.\n\nChannel 0: document back there, I'll get been stuck into the research. My team will give you a callback in a few weeks and rebook the time to go through the updated advice. We'll get those changes in place and get things working a little bit for you, and then I'll make sure I do some catch ups with you down the track to keep you on track and make sure things are working hard for you. Does that sound okay?\n\nChannel 1: Yep. Sounds perfect. Yep.\n\nChannel 0: Beautiful. Look. Thank\n\nChannel 1: Perfect.\n\nChannel 0: you so much. I apologize for the time. I've taken up way too much of your time, but I appreciate your time today to go through things. I look forward to putting this advice together for you. And if you have any questions, you are welcome to let me know at any point.\n\nOkay?\n\nChannel 1: Perfect. Cheers for your help.\n\nChannel 0: No worries, Dermot. You have a great day. Don't work too hard.\n\nChannel 1: Same as thank you.\n\nChannel 0: Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.030724426731467247}],"sentiment":"neutral","sentiment_score":0.030724426731467247,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Hi, Dammit.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.15682373940944672},{"text":"This is Dana from Oakley Financial.","start":3.84,"end":5.68,"sentiment":"neutral","sentiment_score":0.21265933165947595},{"text":"How are you this morning?","start":5.68,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.24811368584632873}],"sentiment":"neutral","sentiment_score":0.2177055306159533,"channel":0,"num_words":13,"start":3.04,"end":6.8199997},{"sentences":[{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.2037470042705536},{"text":"Not too bad.","start":7.7599998,"end":8.32,"sentiment":"neutral","sentiment_score":0.22173413634300232},{"text":"Not too bad.","start":8.32,"end":9.139999,"sentiment":"neutral","sentiment_score":0.30078113079071045}],"sentiment":"neutral","sentiment_score":0.25304182938167025,"channel":1,"num_words":7,"start":7.44,"end":9.139999},{"sentences":[{"text":"That's good.","start":9.679999,"end":10.24,"sentiment":"positive","sentiment_score":0.5920639634132385},{"text":"I had you booked in to go through your annual review this morning.","start":10.24,"end":12.719999,"sentiment":"positive","sentiment_score":0.3692280535514538},{"text":"Is now still a good time there for you?","start":12.719999,"end":14.595,"sentiment":"positive","sentiment_score":0.36304512951109147}],"sentiment":"positive","sentiment_score":0.38547911619146663,"channel":0,"num_words":24,"start":9.679999,"end":14.595},{"sentences":[{"text":"It is.","start":15.345,"end":15.665,"sentiment":"neutral","sentiment_score":0.16076663881540298},{"text":"Yeah.","start":15.665,"end":16.165,"sentiment":"neutral","sentiment_score":0.1122949868440628},{"text":"Yep.","start":16.385,"end":16.885,"sentiment":"neutral","sentiment_score":0.09870916604995728}],"sentiment":"neutral","sentiment_score":0.1331343576312065,"channel":1,"num_words":4,"start":15.345,"end":16.885},{"sentences":[{"text":"Yep.","start":16.915,"end":17.315,"sentiment":"neutral","sentiment_score":0.17688417434692383},{"text":"Fantastic.","start":17.315,"end":17.815,"sentiment":"positive","sentiment_score":0.4701616168022156}],"sentiment":"neutral","sentiment_score":0.3235228955745697,"channel":0,"num_words":2,"start":16.915,"end":17.815},{"sentences":[{"text":"Yep.","start":17.665,"end":17.825,"sentiment":"neutral","sentiment_score":0.1765567511320114},{"text":"Got","start":17.825,"end":18.065,"sentiment":"neutral","sentiment_score":0.07548931241035461}],"sentiment":"neutral","sentiment_score":0.12602303177118301,"channel":1,"num_words":2,"start":17.665,"end":18.065},{"sentences":[{"text":"I","start":17.955,"end":18.115,"sentiment":"neutral","sentiment_score":0.07587231695652008}],"sentiment":"neutral","sentiment_score":0.07587231695652008,"channel":0,"num_words":1,"start":17.955,"end":18.115},{"sentences":[{"text":"new.","start":18.065,"end":18.565,"sentiment":"neutral","sentiment_score":0.02200532890856266}],"sentiment":"neutral","sentiment_score":0.02200532890856266,"channel":1,"num_words":1,"start":18.065,"end":18.565},{"sentences":[{"text":"do apologize.","start":18.115,"end":18.855,"sentiment":"neutral","sentiment_score":-0.07145004719495773},{"text":"There's some beeping in the background.","start":19.075,"end":20.855,"sentiment":"neutral","sentiment_score":-0.06487658309439819}],"sentiment":"neutral","sentiment_score":-0.06651994911953807,"channel":0,"num_words":8,"start":18.115,"end":20.855},{"sentences":[{"text":"Yep.","start":21.425,"end":21.744999,"sentiment":"neutral","sentiment_score":-0.02388118766248226},{"text":"That's gone now.","start":21.744999,"end":22.865,"sentiment":"neutral","sentiment_score":-0.029496995732188225},{"text":"Yep.","start":22.865,"end":23.365,"sentiment":"neutral","sentiment_score":0.0902477651834488}],"sentiment":"neutral","sentiment_score":-0.004424881935119626,"channel":1,"num_words":5,"start":21.425,"end":23.365},{"sentences":[{"text":"All good.","start":23.955,"end":24.515,"sentiment":"neutral","sentiment_score":0.2671525925397873},{"text":"All good.","start":24.515,"end":25.175,"sentiment":"neutral","sentiment_score":0.30047670006752014},{"text":"Janet, before we jump into the call, just to let you know we do record our calls for quality and training purpose.","start":25.235,"end":29.61,"sentiment":"neutral","sentiment_score":0.13089970837939868},{"text":"Is that you happy to proceed with that?","start":29.61,"end":31.390001,"sentiment":"neutral","sentiment_score":0.14167165011167526}],"sentiment":"neutral","sentiment_score":0.15142427560161142,"channel":0,"num_words":34,"start":23.955,"end":31.390001},{"sentences":[{"text":"Yeah.","start":31.84,"end":32.16,"sentiment":"neutral","sentiment_score":0.10359835624694824},{"text":"Yeah.","start":32.16,"end":32.64,"sentiment":"neutral","sentiment_score":0.1458846479654312},{"text":"All good.","start":32.64,"end":33.38,"sentiment":"neutral","sentiment_score":0.2600650042295456}],"sentiment":"neutral","sentiment_score":0.19240325316786766,"channel":1,"num_words":4,"start":31.84,"end":33.38},{"sentences":[{"text":"Yes.","start":33.21,"end":33.71,"sentiment":"neutral","sentiment_score":0.33282536268234253},{"text":"Fantastic.","start":33.77,"end":34.27,"sentiment":"positive","sentiment_score":0.528628945350647},{"text":"And, also, just to do a quick security check there with you, we are discussing your personal information.","start":34.73,"end":39.71,"sentiment":"neutral","sentiment_score":0.165729949871699},{"text":"So if I can please ask you to confirm your full name, your date of birth, and address I should have on file there for you.","start":40.09,"end":45.435,"sentiment":"neutral","sentiment_score":0.12757018237159803}],"sentiment":"neutral","sentiment_score":0.15568300320402437,"channel":0,"num_words":46,"start":33.21,"end":45.435},{"sentences":[{"text":"28th Oneida Street, Parkdale 4159.","start":46.875,"end":51.375,"sentiment":"neutral","sentiment_score":0.03522099331021309}],"sentiment":"neutral","sentiment_score":0.03522099331021309,"channel":1,"num_words":5,"start":46.875,"end":51.375},{"sentences":[{"text":"Yep.","start":51.675003,"end":52.175003,"sentiment":"neutral","sentiment_score":0.03761708736419678},{"text":"And your full name and date of birth?","start":53.995003,"end":55.775,"sentiment":"neutral","sentiment_score":0.02837037481367588}],"sentiment":"neutral","sentiment_score":0.029397787319289312,"channel":0,"num_words":9,"start":51.675003,"end":55.775},{"sentences":[{"text":"Derma Waterstone '29 to the","start":56.38,"end":58.54,"sentiment":"neutral","sentiment_score":0.010972969047725201}],"sentiment":"neutral","sentiment_score":0.010972969047725201,"channel":1,"num_words":5,"start":56.38,"end":58.54},{"sentences":[{"text":"Yeah.","start":58.395,"end":58.65,"sentiment":"neutral","sentiment_score":0.016623303294181824}],"sentiment":"neutral","sentiment_score":0.016623303294181824,"channel":0,"num_words":1,"start":58.395,"end":58.65},{"sentences":[{"text":"fifth seventy nine.","start":58.54,"end":60.0,"sentiment":"neutral","sentiment_score":0.016819911388059456}],"sentiment":"neutral","sentiment_score":0.016819911388059456,"channel":1,"num_words":3,"start":58.54,"end":60.0},{"sentences":[{"text":"Beautiful.","start":60.57,"end":61.050003,"sentiment":"positive","sentiment_score":0.3745120167732239},{"text":"Thank you so much for that, Dammit.","start":61.050003,"end":62.730003,"sentiment":"positive","sentiment_score":0.49165872590882437},{"text":"Now we normally do send some annual review documents through to you to kinda go through with us.","start":62.730003,"end":68.11,"sentiment":"neutral","sentiment_score":0.13680198705858654},{"text":"Your it sounds like you're in the car or driving at the moment, so I'm gonna assume you probably don't have access to your emails.","start":68.65,"end":74.295,"sentiment":"neutral","sentiment_score":-0.05567934490740299},{"text":"Am I correct in that?","start":74.295,"end":75.255,"sentiment":"neutral","sentiment_score":-0.016015543416142464}],"sentiment":"neutral","sentiment_score":0.0858303129539958,"channel":0,"num_words":56,"start":60.57,"end":75.255},{"sentences":[{"text":"Or","start":75.255,"end":75.755,"sentiment":"neutral","sentiment_score":-0.005609158426523209}],"sentiment":"neutral","sentiment_score":-0.005609158426523209,"channel":0,"num_words":1,"start":75.255,"end":75.755},{"sentences":[{"text":"Yeah.","start":77.225,"end":77.465,"sentiment":"neutral","sentiment_score":-0.004675186239182949},{"text":"I can get emails.","start":77.465,"end":78.765,"sentiment":"neutral","sentiment_score":-0.007445923518389463},{"text":"Yep.","start":78.825,"end":79.14,"sentiment":"neutral","sentiment_score":0.011812570504844189}],"sentiment":"neutral","sentiment_score":-0.003774384967982769,"channel":1,"num_words":6,"start":77.225,"end":79.14},{"sentences":[{"text":"you you can?","start":79.494995,"end":80.315,"sentiment":"neutral","sentiment_score":0.007970194332301617}],"sentiment":"neutral","sentiment_score":0.007970194332301617,"channel":0,"num_words":3,"start":79.494995,"end":80.315},{"sentences":[{"text":"Yeah.","start":80.979996,"end":81.479996,"sentiment":"neutral","sentiment_score":0.0001494232565164566}],"sentiment":"neutral","sentiment_score":0.0001494232565164566,"channel":1,"num_words":1,"start":80.979996,"end":81.479996},{"sentences":[{"text":"Yeah.","start":81.015,"end":81.335,"sentiment":"neutral","sentiment_score":0.004541691392660141},{"text":"That's okay.","start":81.335,"end":82.055,"sentiment":"neutral","sentiment_score":0.015663718804717064},{"text":"I'm gonna send that through to you now if you're able to jump into your emails there.","start":82.055,"end":85.895,"sentiment":"neutral","sentiment_score":0.010054545641383705},{"text":"Please don't if it's gonna be unsafe in any way, shape, or form.","start":85.895,"end":90.13,"sentiment":"neutral","sentiment_score":-0.1331782117486},{"text":"But if you are able to, that would be fantastic just so we can go through things together.","start":90.67,"end":95.49,"sentiment":"neutral","sentiment_score":0.30038976876272094}],"sentiment":"neutral","sentiment_score":0.07612736254711361,"channel":0,"num_words":51,"start":81.015,"end":95.49},{"sentences":[{"text":"Yep.","start":98.475,"end":98.975,"sentiment":"neutral","sentiment_score":0.04872763901948929},{"text":"Yeah.","start":99.115,"end":99.615,"sentiment":"neutral","sentiment_score":0.050565943121910095}],"sentiment":"neutral","sentiment_score":0.04964679107069969,"channel":1,"num_words":2,"start":98.475,"end":99.615},{"sentences":[{"text":"Yeah.","start":100.42999,"end":100.92999,"sentiment":"neutral","sentiment_score":0.05039461702108383},{"text":"Should come through from Odoo sign or myself, Dana, at Odoo Financial.","start":107.195,"end":110.975,"sentiment":"neutral","sentiment_score":0.06588935510565837}],"sentiment":"neutral","sentiment_score":0.06469745217607571,"channel":0,"num_words":13,"start":100.42999,"end":110.975},{"sentences":[{"text":"Just checking out.","start":113.75,"end":114.81,"sentiment":"neutral","sentiment_score":0.057745044430096946}],"sentiment":"neutral","sentiment_score":0.057745044430096946,"channel":1,"num_words":3,"start":113.75,"end":114.81},{"sentences":[{"text":"Sorry.","start":120.88,"end":121.28,"sentiment":"neutral","sentiment_score":-0.01292278990149498},{"text":"You've got that there?","start":121.28,"end":122.42,"sentiment":"neutral","sentiment_score":-0.016882969299331307}],"sentiment":"neutral","sentiment_score":-0.01609093341976404,"channel":0,"num_words":5,"start":120.88,"end":122.42},{"sentences":[{"text":"Two secs now.","start":127.225,"end":128.285,"sentiment":"neutral","sentiment_score":0.007502228952944279}],"sentiment":"neutral","sentiment_score":0.007502228952944279,"channel":1,"num_words":3,"start":127.225,"end":128.285},{"sentences":[{"text":"That's okay.","start":128.61499,"end":129.435,"sentiment":"neutral","sentiment_score":0.07213201001286507}],"sentiment":"neutral","sentiment_score":0.07213201001286507,"channel":0,"num_words":2,"start":128.61499,"end":129.435},{"sentences":[{"text":"I I'm back to the Bluetooth.","start":130.185,"end":132.205,"sentiment":"neutral","sentiment_score":0.04265787204106649},{"text":"Yeah.","start":134.37999,"end":134.78,"sentiment":"neutral","sentiment_score":0.058821648359298706},{"text":"I'm in that email there now.","start":134.78,"end":136.4,"sentiment":"neutral","sentiment_score":0.06868823369344075}],"sentiment":"neutral","sentiment_score":0.05591525252048786,"channel":1,"num_words":13,"start":130.185,"end":136.4},{"sentences":[{"text":"Beautiful.","start":138.135,"end":138.635,"sentiment":"positive","sentiment_score":0.403439462184906},{"text":"Fantastic.","start":139.09499,"end":139.59499,"sentiment":"positive","sentiment_score":0.41678231954574585},{"text":"All good.","start":140.135,"end":140.875,"sentiment":"neutral","sentiment_score":0.31332214921712875},{"text":"So when we're looking at the email, if you press the button that takes you through to the next documents, I do believe it says sign here or documents to sign.","start":141.08,"end":148.62,"sentiment":"neutral","sentiment_score":0.07618296591024246},{"text":"It won't ask you to sign anything for the moment.","start":148.84,"end":150.92,"sentiment":"neutral","sentiment_score":0.009571418352425098}],"sentiment":"neutral","sentiment_score":0.08676116015348169,"channel":0,"num_words":45,"start":138.135,"end":150.92},{"sentences":[{"text":"It's just so we can kinda go to those documents together.","start":150.92,"end":153.5,"sentiment":"neutral","sentiment_score":0.13707006858153778},{"text":"And the first one should just show you a summary of your superannuation and your insurance as noted there.","start":158.245,"end":163.225,"sentiment":"neutral","sentiment_score":0.16545247521839643},{"text":"Is that working for you?","start":172.5,"end":173.88,"sentiment":"neutral","sentiment_score":0.13889438509941102}],"sentiment":"neutral","sentiment_score":0.15273827740124293,"channel":0,"num_words":35,"start":150.92,"end":173.88},{"sentences":[{"text":"Yep.","start":175.18,"end":175.58,"sentiment":"neutral","sentiment_score":0.14186422526836395},{"text":"It's in there and out.","start":175.58,"end":176.8,"sentiment":"neutral","sentiment_score":0.21317830085754394}],"sentiment":"neutral","sentiment_score":0.2012926215926806,"channel":1,"num_words":6,"start":175.18,"end":176.8},{"sentences":[{"text":"Fantastic.","start":177.3,"end":177.8,"sentiment":"positive","sentiment_score":0.5828373432159424},{"text":"So sorry about that.","start":178.34,"end":179.54,"sentiment":"neutral","sentiment_score":0.11125902831554413},{"text":"All good.","start":179.54,"end":180.195,"sentiment":"positive","sentiment_score":0.3558425009250641},{"text":"So with your balances at the moment, so when I had a look back at your annual review last year, I pulled up your balances to see a bit of a comparison there.","start":180.755,"end":188.43501,"sentiment":"neutral","sentiment_score":0.12163977641047853},{"text":"So your balance within Hub twenty four at the time was $179,005.56, and you had about 17,000 sitting in your c bus account there as well.","start":188.43501,"end":197.49,"sentiment":"neutral","sentiment_score":0.10798896677218951}],"sentiment":"neutral","sentiment_score":0.12971794266592374,"channel":0,"num_words":66,"start":177.3,"end":197.49},{"sentences":[{"text":"As of this annual review for the August 19, your super balance in Hub twenty four is up to $203,007.37 and 49¢, and you've got a bit over 26,000 sitting in sea bus there.","start":198.19,"end":210.365,"sentiment":"neutral","sentiment_score":0.10842096015359416},{"text":"So we have had a bit of growth issue, which is good to see.","start":210.365,"end":213.425,"sentiment":"neutral","sentiment_score":0.025944877415895462},{"text":"Okay?","start":213.485,"end":213.985,"sentiment":"neutral","sentiment_score":0.10971558094024658}],"sentiment":"neutral","sentiment_score":0.08439240728815396,"channel":0,"num_words":49,"start":198.19,"end":213.985},{"sentences":[{"text":"Yep.","start":214.895,"end":215.395,"sentiment":"neutral","sentiment_score":0.14633280038833618}],"sentiment":"neutral","sentiment_score":0.14633280038833618,"channel":1,"num_words":1,"start":214.895,"end":215.395},{"sentences":[{"text":"If you are able to go to the next document along, you will see your internal rate of return showing you a bit of an update of your portfolio performance for the 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frame.","start":269.055,"end":277.715,"sentiment":"neutral","sentiment_score":0.19744480179773793},{"text":"Essentially, since coming on board in 2024, you've essentially had a 19 sorry.","start":278.095,"end":285.1,"sentiment":"neutral","sentiment_score":0.26786344326459444}],"sentiment":"neutral","sentiment_score":0.06189972732681781,"channel":0,"num_words":84,"start":258.52,"end":285.1},{"sentences":[{"text":"19.32% return.","start":285.1,"end":288.0,"sentiment":"neutral","sentiment_score":0.22235660254955292},{"text":"So when we kinda average that out over the two years, you've made about 9.66% on a yearly basis compounding forward.","start":288.22,"end":295.02002,"sentiment":"positive","sentiment_score":0.3586510419845581},{"text":"So it is a good return.","start":295.02002,"end":296.735,"sentiment":"positive","sentiment_score":0.7591765324274699},{"text":"You are well within that high growth kind of environment.","start":296.735,"end":299.155,"sentiment":"positive","sentiment_score":0.633538019657135},{"text":"It's just that some years the returns will be higher than others.","start":299.29498,"end":302.095,"sentiment":"neutral","sentiment_score":0.2872187979519367}],"sentiment":"positive","sentiment_score":0.4375186284967497,"channel":0,"num_words":51,"start":285.1,"end":302.095},{"sentences":[{"text":"It just depends upon markets, what happens globally, and how markets do react there.","start":302.095,"end":307.31497,"sentiment":"neutral","sentiment_score":0.09931446186133794},{"text":"Does that make sense so far?","start":307.375,"end":308.81497,"sentiment":"neutral","sentiment_score":0.20249534149964651},{"text":"Do you have any questions at all, damn 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going","start":319.905,"end":324.305,"sentiment":"negative","sentiment_score":-0.43335411325097084}],"sentiment":"negative","sentiment_score":-0.46288548078801894,"channel":1,"num_words":36,"start":311.68,"end":324.305},{"sentences":[{"text":"Yeah.","start":324.26,"end":324.76,"sentiment":"neutral","sentiment_score":-0.05650249496102333}],"sentiment":"neutral","sentiment_score":-0.05650249496102333,"channel":0,"num_words":1,"start":324.26,"end":324.76},{"sentences":[{"text":"on.","start":324.305,"end":324.805,"sentiment":"neutral","sentiment_score":-0.04256833344697952}],"sentiment":"neutral","sentiment_score":-0.04256833344697952,"channel":1,"num_words":1,"start":324.305,"end":324.805},{"sentences":[{"text":"That's that's understandable.","start":325.195,"end":326.575,"sentiment":"neutral","sentiment_score":0.03822007216513157},{"text":"I mean, there are it is important to note that you are in a high growth environment as well, so there's no guarantees that you're going to get a high return every year.","start":326.715,"end":334.635,"sentiment":"neutral","sentiment_score":-0.008536182005297054},{"text":"You are taking on more risk in the market, so you are in a high growth kind of area.","start":334.635,"end":338.975,"sentiment":"neutral","sentiment_score":-0.021437364581384157},{"text":"That does essentially mean that taking on more risk means that when the returns are higher, you are likely to get a much greater return and feel that, which is great.","start":339.41,"end":347.66998,"sentiment":"neutral","sentiment_score":0.18188917564768944},{"text":"However, when the markets do take a bit of a dip as your balance increases, you are gonna feel that as well.","start":347.72998,"end":353.27,"sentiment":"neutral","sentiment_score":0.02778572690757838}],"sentiment":"neutral","sentiment_score":0.05255098815110547,"channel":0,"num_words":108,"start":325.195,"end":353.27},{"sentences":[{"text":"And that is across the board with what's happened essentially globally in the 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you.","start":426.7,"end":432.54,"sentiment":"neutral","sentiment_score":0.1918412394821644},{"text":"The Better Long Australian Equities portion is kind of down.","start":432.54,"end":435.94498,"sentiment":"neutral","sentiment_score":0.007233442366123199}],"sentiment":"neutral","sentiment_score":-0.06805486277197347,"channel":0,"num_words":99,"start":405.98,"end":435.94498},{"sentences":[{"text":"That investment probably shouldn't be as low as it is at the moment.","start":435.94498,"end":439.72498,"sentiment":"neutral","sentiment_score":-0.05015126902323503},{"text":"And it does look like there are some other changes that we can make to your portfolio.","start":440.10498,"end":443.625,"sentiment":"neutral","sentiment_score":0.18039334784535802},{"text":"If you'd like me to go back and review the portfolio or maybe update the advice for 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are.","start":456.77002,"end":457.17,"sentiment":"neutral","sentiment_score":-0.019389493390917778},{"text":"So when you think about the risk level that you're in, I say risk out of number between one and five, five being a high you know, all invested in equities and the highest level of risk, and one being the lowest sitting all in cash, you're sitting at about a four.","start":457.17,"end":469.885,"sentiment":"neutral","sentiment_score":-0.020832798273589175},{"text":"So in that high growth environment, you have about 90% of your super invested in growth assets.","start":470.105,"end":475.625,"sentiment":"neutral","sentiment_score":0.18273506050600724},{"text":"So think about things like Australian shares, international shares, listed property, and commodities, and then also only that 10% in lower risk defensive investments there as 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lower.","start":627.69,"end":634.735,"sentiment":"neutral","sentiment_score":-0.14186848570471225}],"sentiment":"neutral","sentiment_score":-0.19888604082811026,"channel":0,"num_words":81,"start":612.675,"end":634.735},{"sentences":[{"text":"Whereas someone with $5,500,000 in super, that same 5% return makes a much greater effect for them.","start":634.875,"end":641.915,"sentiment":"neutral","sentiment_score":0.000947739792001598},{"text":"So please let me know if you start to feel nervous with the market ups and downs, and we can always start to reduce your risk level.","start":641.915,"end":649.92,"sentiment":"neutral","sentiment_score":-0.2992104584420169}],"sentiment":"neutral","sentiment_score":-0.18324024548796428,"channel":0,"num_words":44,"start":634.875,"end":649.92},{"sentences":[{"text":"Yeah.","start":650.65497,"end":650.82,"sentiment":"neutral","sentiment_score":-0.11012060940265656}],"sentiment":"neutral","sentiment_score":-0.11012060940265656,"channel":1,"num_words":1,"start":650.65497,"end":650.82},{"sentences":[{"text":"I would be looking at the high growth environment generally suits someone who's about eight years away from accessing their super.","start":650.7,"end":657.42,"sentiment":"neutral","sentiment_score":-0.09575028788475763},{"text":"So when you kinda get to that, you know, seven to eight year time horizon, I would definitely be asking and trying to pull you back a little bit as well.","start":657.42,"end":665.22504,"sentiment":"neutral","sentiment_score":-0.02480442401382231},{"text":"That way, we're sort of not taking too much risk as you get closer and closer to your retirement.","start":665.60504,"end":671.465,"sentiment":"neutral","sentiment_score":-0.0556669045043619},{"text":"Does that make sense?","start":671.525,"end":672.585,"sentiment":"neutral","sentiment_score":0.046413169242441654}],"sentiment":"neutral","sentiment_score":-0.04868948931495349,"channel":0,"num_words":75,"start":650.7,"end":672.585},{"sentences":[{"text":"It 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good.","start":732.52,"end":738.14,"sentiment":"neutral","sentiment_score":0.003356263825767918}],"sentiment":"neutral","sentiment_score":0.005054339952766895,"channel":0,"num_words":20,"start":732.2,"end":738.14},{"sentences":[{"text":"No.","start":738.36005,"end":738.68005,"sentiment":"neutral","sentiment_score":0.006942637264728546},{"text":"I'm all good.","start":738.68005,"end":739.32,"sentiment":"neutral","sentiment_score":0.14532005538543066},{"text":"Thanks.","start":739.32,"end":739.64,"sentiment":"neutral","sentiment_score":0.27056407928466797},{"text":"Yeah.","start":739.64,"end":740.14,"sentiment":"neutral","sentiment_score":0.08913592994213104},{"text":"Touch 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52,000.","start":748.60504,"end":758.51,"sentiment":"neutral","sentiment_score":-0.018402589808425143}],"sentiment":"neutral","sentiment_score":0.00295025485360788,"channel":0,"num_words":54,"start":741.005,"end":758.51},{"sentences":[{"text":"Now if you think about how life cover is structured, if you did and this is hypothetical.","start":758.97,"end":763.87,"sentiment":"neutral","sentiment_score":-0.010171034208991948},{"text":"I would love.","start":764.25,"end":764.835,"sentiment":"neutral","sentiment_score":0.1320672184228897},{"text":"I don't want anything to happen to you.","start":764.835,"end":766.435,"sentiment":"neutral","sentiment_score":-0.16400253400206566},{"text":"But if you were to pass away, your beneficiaries could claim the life cover of 52,000, but then also your super benefit can be paid out on top of that as well.","start":766.435,"end":775.575,"sentiment":"neutral","sentiment_score":0.03773156786337495},{"text":"So if we think about that, you've got $203,007.37, 26,028 in c bus, and then 52,000 of life cover.","start":775.875,"end":786.28,"sentiment":"neutral","sentiment_score":0.014590811915695667}],"sentiment":"neutral","sentiment_score":0.005011511388930339,"channel":0,"num_words":79,"start":758.97,"end":786.28},{"sentences":[{"text":"Theoretically, based on your current circumstances, your beneficiaries could receive about 281,675.","start":786.9,"end":795.315,"sentiment":"neutral","sentiment_score":0.018179993766049545},{"text":"Do you feel between your insurances and your super that that is a preferred benefit, or would you like to maybe look at trying to obtain something a little bit different?","start":795.315,"end":804.275,"sentiment":"neutral","sentiment_score":-0.04718752529832625},{"text":"What's your thoughts?","start":804.275,"end":805.255,"sentiment":"neutral","sentiment_score":-0.05526746685306231}],"sentiment":"neutral","sentiment_score":-0.03066208173075448,"channel":0,"num_words":46,"start":786.9,"end":805.255},{"sentences":[{"text":"How would you mean obtain something different?","start":806.835,"end":810.775,"sentiment":"neutral","sentiment_score":-0.058291058987379074}],"sentiment":"neutral","sentiment_score":-0.058291058987379074,"channel":1,"num_words":7,"start":806.835,"end":810.775},{"sentences":[{"text":"Well, I can go back.","start":811.51,"end":812.71,"sentiment":"neutral","sentiment_score":0.00037866607308387754},{"text":"I know if you have had your lupus for a long period of time and you haven't had any symptoms or flare ups, I could go out to the market and see if we're able to obtain any top up cover for you, increase the level of cover you have to make sure it aligns with your goals, or see what I can do with the cover that you've got.","start":812.71,"end":829.66504,"sentiment":"neutral","sentiment_score":0.0275923978404275}],"sentiment":"neutral","sentiment_score":0.025778149055937925,"channel":0,"num_words":75,"start":811.51,"end":829.66504},{"sentences":[{"text":"Would that cost me extra on my super or what would","start":834.10504,"end":837.245,"sentiment":"neutral","sentiment_score":-0.19323089854283768}],"sentiment":"neutral","sentiment_score":-0.19323089854283768,"channel":1,"num_words":11,"start":834.10504,"end":837.245},{"sentences":[{"text":"It would.","start":837.94,"end":838.42004,"sentiment":"neutral","sentiment_score":-0.09823376685380936},{"text":"Yeah.","start":838.42004,"end":838.66003,"sentiment":"neutral","sentiment_score":-0.045743998140096664},{"text":"So if you're increasing your insurance cover, it does the premiums do tend to go up because you're paying for the extra cover.","start":838.66003,"end":845.48004,"sentiment":"neutral","sentiment_score":0.10663141860910084},{"text":"You have options where you can pay for it personally if you prefer not to have it coming out of your super, But most people hold insurances and hold them inside super so they're not having to pay those premiums out of their back pocket.","start":845.86005,"end":857.22504,"sentiment":"neutral","sentiment_score":0.13864317668808832},{"text":"In saying that if you're happy with the level of cover you have and it meets your goals that you don't wanna review it, that's absolutely fine.","start":857.765,"end":864.085,"sentiment":"positive","sentiment_score":0.4258478962712818}],"sentiment":"neutral","sentiment_score":0.20354231884132842,"channel":0,"num_words":98,"start":837.94,"end":864.085},{"sentences":[{"text":"I just wanted to sort of see what what you would like to see, what level of cover is appropriate to you, and see what I can do to help you there.","start":864.085,"end":871.72,"sentiment":"neutral","sentiment_score":0.1369534858968109}],"sentiment":"neutral","sentiment_score":0.1369534858968109,"channel":0,"num_words":32,"start":864.085,"end":871.72},{"sentences":[{"text":"I'll just leave it as is for now.","start":874.15,"end":876.41003,"sentiment":"neutral","sentiment_score":0.057772673200815916}],"sentiment":"neutral","sentiment_score":0.057772673200815916,"channel":1,"num_words":8,"start":874.15,"end":876.41003},{"sentences":[{"text":"Leave it as is?","start":876.74,"end":877.77997,"sentiment":"neutral","sentiment_score":0.050308181904256344},{"text":"Yeah.","start":877.77997,"end":878.18,"sentiment":"neutral","sentiment_score":0.20622488856315613},{"text":"Beautiful.","start":878.18,"end":878.68,"sentiment":"positive","sentiment_score":0.5275677442550659}],"sentiment":"neutral","sentiment_score":0.15583756007254124,"channel":0,"num_words":6,"start":876.74,"end":878.68},{"sentences":[{"text":"Yeah.","start":879.03,"end":879.53,"sentiment":"positive","sentiment_score":0.3665761947631836}],"sentiment":"positive","sentiment_score":0.3665761947631836,"channel":1,"num_words":1,"start":879.03,"end":879.53},{"sentences":[{"text":"Excellent.","start":880.125,"end":880.625,"sentiment":"positive","sentiment_score":0.577407956123352},{"text":"And now you've also got some total permanent disability.","start":880.765,"end":883.585,"sentiment":"neutral","sentiment_score":0.11307640042569903},{"text":"Do you know and understand how TBD works or what total permanent disability covers and how it pays out?","start":883.80505,"end":889.905,"sentiment":"neutral","sentiment_score":0.029752066358923912}],"sentiment":"neutral","sentiment_score":0.07449602830255854,"channel":0,"num_words":29,"start":880.125,"end":889.905},{"sentences":[{"text":"Not really.","start":892.295,"end":892.935,"sentiment":"neutral","sentiment_score":-0.08219168335199356},{"text":"No.","start":892.935,"end":893.435,"sentiment":"neutral","sentiment_score":-0.10954952985048294}],"sentiment":"neutral","sentiment_score":-0.09131096551815669,"channel":1,"num_words":3,"start":892.295,"end":893.435},{"sentences":[{"text":"No.","start":893.94,"end":894.26,"sentiment":"neutral","sentiment_score":-0.11112521588802338},{"text":"That's okay.","start":894.26,"end":895.16,"sentiment":"neutral","sentiment_score":-0.025645004585385323},{"text":"So TBD is a disability cover.","start":895.62,"end":897.94,"sentiment":"neutral","sentiment_score":0.01597666274756193},{"text":"It pays out either a lump sum benefit or an income stream in the event that you're totally incapacitated, say, you broke your back and could never go back to work again as an example.","start":897.94,"end":907.72,"sentiment":"neutral","sentiment_score":-0.02513284592756203},{"text":"TBD, the level of cover you have is 26,000.","start":909.095,"end":912.955,"sentiment":"neutral","sentiment_score":0.03019892279472616}],"sentiment":"neutral","sentiment_score":-0.012724802846897323,"channel":0,"num_words":53,"start":893.94,"end":912.955},{"sentences":[{"text":"So","start":913.65497,"end":913.975,"sentiment":"neutral","sentiment_score":0.04935446381568909}],"sentiment":"neutral","sentiment_score":0.04935446381568909,"channel":0,"num_words":1,"start":913.65497,"end":913.975},{"sentences":[{"text":"Yes.","start":913.81,"end":914.31,"sentiment":"neutral","sentiment_score":0.06724707782268524}],"sentiment":"neutral","sentiment_score":0.06724707782268524,"channel":1,"num_words":1,"start":913.81,"end":914.31},{"sentences":[{"text":"if in the event of a claim, you could claim the 26,000 from Cbus.","start":913.975,"end":918.15497,"sentiment":"neutral","sentiment_score":0.04306753232542958},{"text":"It's important that I let you know, unfortunately, TBD is actually a taxable payment.","start":918.935,"end":923.48,"sentiment":"neutral","sentiment_score":-0.07206711984638657},{"text":"So if you were under 60 and you claimed TBD, we can also release or get access to your super to release that benefit.","start":923.62,"end":933.3,"sentiment":"neutral","sentiment_score":-0.038674332899972796},{"text":"But then if you take the whole amount out, you can be taxed at up to 22% depending on a few factors there.","start":933.3,"end":941.075,"sentiment":"neutral","sentiment_score":0.0016034605872371922},{"text":"Do you feel like the level of cover you have is appropriate for TBD?","start":941.53503,"end":945.55505,"sentiment":"neutral","sentiment_score":0.006210196231092725}],"sentiment":"neutral","sentiment_score":-0.013599504203943725,"channel":0,"num_words":89,"start":913.975,"end":945.55505},{"sentences":[{"text":"Did you wanna look at trying to get something a little bit different, or do you have any questions in relation to what I've just gone 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okay.","start":956.07,"end":956.79,"sentiment":"neutral","sentiment_score":0.2528145909309387},{"text":"Do you have any questions, Dermot?","start":956.79,"end":958.39,"sentiment":"neutral","sentiment_score":0.12540674830476442},{"text":"I know some people hear that and go, oh my god.","start":958.39,"end":961.61,"sentiment":"neutral","sentiment_score":-0.05744879252531312},{"text":"Is there is there anything you wanted to ask me or have me clarify further for you in relation to it?","start":961.67,"end":966.89,"sentiment":"neutral","sentiment_score":-0.0059029655087561835}],"sentiment":"neutral","sentiment_score":0.03591800946742296,"channel":0,"num_words":44,"start":955.27,"end":966.89},{"sentences":[{"text":"Not not not not doing good.","start":967.64,"end":970.7,"sentiment":"negative","sentiment_score":-0.4288884550333023}],"sentiment":"negative","sentiment_score":-0.4288884550333023,"channel":1,"num_words":6,"start":967.64,"end":970.7},{"sentences":[{"text":"That's that's 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conversation in more detail, please let me know.","start":1009.63,"end":1014.59,"sentiment":"neutral","sentiment_score":0.032726846047137916},{"text":"You're not limited to one review a year.","start":1014.59,"end":1016.51,"sentiment":"neutral","sentiment_score":0.007773846387863159}],"sentiment":"neutral","sentiment_score":0.030892589665723568,"channel":0,"num_words":33,"start":1007.39,"end":1016.51},{"sentences":[{"text":"If you wanna have more conversations or do you want more catch ups, please let me know.","start":1016.51,"end":1021.00494,"sentiment":"neutral","sentiment_score":0.007901903844493277},{"text":"Okay?","start":1021.00494,"end":1021.50494,"sentiment":"neutral","sentiment_score":0.020476918667554855}],"sentiment":"neutral","sentiment_score":0.008600515779107809,"channel":0,"num_words":18,"start":1016.51,"end":1021.50494},{"sentences":[{"text":"Yep.","start":1022.63,"end":1023.13,"sentiment":"neutral","sentiment_score":0.030727652832865715},{"text":"Yep.","start":1023.43,"end":1023.83,"sentiment":"neutral","sentiment_score":0.05226300656795502}],"sentiment":"neutral","sentiment_score":0.041495329700410366,"channel":1,"num_words":2,"start":1022.63,"end":1023.83},{"sentences":[{"text":"Excellent.","start":1023.805,"end":1024.3049,"sentiment":"neutral","sentiment_score":0.1468169093132019}],"sentiment":"neutral","sentiment_score":0.1468169093132019,"channel":0,"num_words":1,"start":1023.805,"end":1024.3049},{"sentences":[{"text":"No.","start":1023.83,"end":1024.3301,"sentiment":"neutral","sentiment_score":0.039020098745822906}],"sentiment":"neutral","sentiment_score":0.039020098745822906,"channel":1,"num_words":1,"start":1023.83,"end":1024.3301},{"sentences":[{"text":"Fantastic.","start":1025.1649,"end":1025.6649,"sentiment":"neutral","sentiment_score":0.15274019539356232},{"text":"Now 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you reduced the loan a bit?","start":1282.845,"end":1284.5449,"sentiment":"neutral","sentiment_score":-0.016158258276326314}],"sentiment":"neutral","sentiment_score":0.017262531392690208,"channel":0,"num_words":18,"start":1279.885,"end":1284.5449},{"sentences":[{"text":"Apparently so.","start":1285.9701,"end":1286.6901,"sentiment":"neutral","sentiment_score":-0.01018670154735446},{"text":"Yeah.","start":1286.6901,"end":1286.93,"sentiment":"neutral","sentiment_score":0.0011758506298065186},{"text":"Yeah.","start":1286.93,"end":1287.25,"sentiment":"neutral","sentiment_score":-0.012365473434329031},{"text":"Not sure how much is on us.","start":1287.25,"end":1288.9501,"sentiment":"neutral","sentiment_score":-0.09425316218818937}],"sentiment":"neutral","sentiment_score":-0.06284865101968701,"channel":1,"num_words":11,"start":1285.9701,"end":1288.9501},{"sentences":[{"text":"No.","start":1289.4,"end":1289.5599,"sentiment":"neutral","sentiment_score":-0.057397980242967606},{"text":"That's okay.","start":1289.5599,"end":1290.46,"sentiment":"neutral","sentiment_score":0.05288609117269516},{"text":"Beautiful.","start":1292.0399,"end":1292.5399,"sentiment":"positive","sentiment_score":0.3884459137916565},{"text":"And any other assets do you have?","start":1293.0,"end":1294.6799,"sentiment":"neutral","sentiment_score":0.1319770642689296},{"text":"Any other shares, cryptocurrency, collections, or anything else of value that you would sorta note down?","start":1294.6799,"end":1300.095,"sentiment":"neutral","sentiment_score":0.09159458824433386}],"sentiment":"neutral","sentiment_score":0.10467307324762698,"channel":0,"num_words":27,"start":1289.4,"end":1300.095},{"sentences":[{"text":"No.","start":1301.0449,"end":1301.365,"sentiment":"neutral","sentiment_score":-0.06737107038497925},{"text":"No.","start":1301.365,"end":1301.865,"sentiment":"neutral","sentiment_score":-0.06837017834186554}],"sentiment":"neutral","sentiment_score":-0.0678706243634224,"channel":1,"num_words":2,"start":1301.0449,"end":1301.865},{"sentences":[{"text":"No.","start":1303.0549,"end":1303.2949,"sentiment":"neutral","sentiment_score":-0.06998889148235321},{"text":"All good.","start":1303.2949,"end":1303.695,"sentiment":"neutral","sentiment_score":-0.03724895976483822},{"text":"Any credit cards or personal loans or any other liabilities?","start":1303.695,"end":1306.755,"sentiment":"neutral","sentiment_score":-0.03283573444932699}],"sentiment":"neutral","sentiment_score":-0.036372627346561506,"channel":0,"num_words":13,"start":1303.0549,"end":1306.755},{"sentences":[{"text":"No credit cards.","start":1307.845,"end":1308.645,"sentiment":"neutral","sentiment_score":-0.06076994786659876},{"text":"No.","start":1308.645,"end":1309.145,"sentiment":"neutral","sentiment_score":-0.072777658700943}],"sentiment":"neutral","sentiment_score":-0.06377187557518482,"channel":1,"num_words":4,"start":1307.845,"end":1309.145},{"sentences":[{"text":"No.","start":1309.2949,"end":1309.5349,"sentiment":"neutral","sentiment_score":-0.09527386724948884},{"text":"That's okay.","start":1309.5349,"end":1310.355,"sentiment":"neutral","sentiment_score":-0.05521188862621784},{"text":"Another thing to think about that a lot of people don't sorta note down as an asset is more like contents.","start":1310.495,"end":1314.815,"sentiment":"neutral","sentiment_score":-0.046009620562905355},{"text":"Because, theoretically, we, you know, we go back and we insure our contents for if anything was to happen.","start":1314.815,"end":1321.0499,"sentiment":"neutral","sentiment_score":-0.01795105949828499},{"text":"And if you did need money quickly, you would be selling things off to try and liquidate to get cash fast.","start":1321.4299,"end":1327.5299,"sentiment":"neutral","sentiment_score":-0.04932123715324061}],"sentiment":"neutral","sentiment_score":-0.039823684172006324,"channel":0,"num_words":64,"start":1309.2949,"end":1327.5299},{"sentences":[{"text":"Do you have a contents insurance on your property that you're aware of?","start":1327.9099,"end":1331.205,"sentiment":"neutral","sentiment_score":-0.004062051383348612}],"sentiment":"neutral","sentiment_score":-0.004062051383348612,"channel":0,"num_words":13,"start":1327.9099,"end":1331.205},{"sentences":[{"text":"Yeah.","start":1331.895,"end":1332.2949,"sentiment":"neutral","sentiment_score":0.01594211906194687},{"text":"I think we do.","start":1332.2949,"end":1333.015,"sentiment":"neutral","sentiment_score":0.022855307906866074},{"text":"We owe up to $60.","start":1333.015,"end":1334.395,"sentiment":"neutral","sentiment_score":0.011267840955406427}],"sentiment":"neutral","sentiment_score":0.01637025554664433,"channel":1,"num_words":10,"start":1331.895,"end":1334.395},{"sentences":[{"text":"About 60,000 in value?","start":1335.125,"end":1336.825,"sentiment":"neutral","sentiment_score":0.017180138267576694},{"text":"Beautiful.","start":1336.965,"end":1337.465,"sentiment":"positive","sentiment_score":0.3521672785282135}],"sentiment":"neutral","sentiment_score":0.08417756631970405,"channel":0,"num_words":5,"start":1335.125,"end":1337.465},{"sentences":[{"text":"Yeah.","start":1337.4149,"end":1337.9149,"sentiment":"neutral","sentiment_score":0.2361300140619278}],"sentiment":"neutral","sentiment_score":0.2361300140619278,"channel":1,"num_words":1,"start":1337.4149,"end":1337.9149},{"sentences":[{"text":"Excellent.","start":1338.485,"end":1338.985,"sentiment":"positive","sentiment_score":0.4667307734489441},{"text":"A lot of people don't think about contents as a bit of an asset, but it is considered still technically an asset.","start":1339.205,"end":1344.325,"sentiment":"neutral","sentiment_score":0.13871230828491124},{"text":"That's absolutely fine.","start":1344.325,"end":1345.705,"sentiment":"positive","sentiment_score":0.4207346737384796},{"text":"The other thing to sort of look at here is the estate planning side of things.","start":1346.75,"end":1350.2699,"sentiment":"neutral","sentiment_score":0.025091756018809974},{"text":"Now from what I can see, you don't have a will or power of attorney or sort of guardianship documents in place there.","start":1350.2699,"end":1357.1499,"sentiment":"neutral","sentiment_score":-0.05739124273152455}],"sentiment":"neutral","sentiment_score":0.05941653985243577,"channel":0,"num_words":65,"start":1338.485,"end":1357.1499},{"sentences":[{"text":"Have you ever spoken you you like, you and your wife ever had that conversation and talked about doing your estate planning and seeing a solicitor for those services?","start":1357.1499,"end":1365.265,"sentiment":"neutral","sentiment_score":-0.01769441960315252}],"sentiment":"neutral","sentiment_score":-0.01769441960315252,"channel":0,"num_words":29,"start":1357.1499,"end":1365.265},{"sentences":[{"text":"We're yeah.","start":1366.145,"end":1366.945,"sentiment":"neutral","sentiment_score":-0.02815819811075926},{"text":"I need to do it.","start":1366.945,"end":1368.085,"sentiment":"neutral","sentiment_score":-0.029656696319580077}],"sentiment":"neutral","sentiment_score":-0.029228553974202702,"channel":1,"num_words":7,"start":1366.145,"end":1368.085},{"sentences":[{"text":"It's on the list, is 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spouse in the event of something happening.","start":1381.37,"end":1389.6649,"sentiment":"neutral","sentiment_score":0.22077175259590148},{"text":"That sounds fairly appropriate given that you are married, but that is correct in how you prefer that to be 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Christine as your wife, and then we have 1% to Noah.","start":1400.8501,"end":1409.5901,"sentiment":"neutral","sentiment_score":0.11188684664666652},{"text":"Is that how","start":1410.29,"end":1411.43,"sentiment":"neutral","sentiment_score":0.042292737712462745}],"sentiment":"neutral","sentiment_score":0.14287537914411774,"channel":0,"num_words":29,"start":1398.605,"end":1411.43},{"sentences":[{"text":"Yeah.","start":1413.155,"end":1413.655,"sentiment":"neutral","sentiment_score":0.026757461950182915},{"text":"That's my mother's name.","start":1414.195,"end":1416.135,"sentiment":"neutral","sentiment_score":-0.08116191532462835}],"sentiment":"neutral","sentiment_score":-0.0595780398696661,"channel":1,"num_words":5,"start":1413.155,"end":1416.135},{"sentences":[{"text":"sorry.","start":1417.515,"end":1417.835,"sentiment":"neutral","sentiment_score":-0.179595947265625},{"text":"I think I said my 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it says his son, so it's being ticked off as a child.","start":1424.49,"end":1428.03,"sentiment":"neutral","sentiment_score":-0.05086389642495375}],"sentiment":"neutral","sentiment_score":-0.04724241527063506,"channel":0,"num_words":14,"start":1424.17,"end":1428.03},{"sentences":[{"text":"No.","start":1430.77,"end":1431.27,"sentiment":"neutral","sentiment_score":-0.15202274918556213},{"text":"That's my mother's name.","start":1431.33,"end":1432.95,"sentiment":"neutral","sentiment_score":-0.11998694203794003}],"sentiment":"neutral","sentiment_score":-0.12639410346746444,"channel":1,"num_words":5,"start":1430.77,"end":1432.95},{"sentences":[{"text":"Okay.","start":1433.29,"end":1433.77,"sentiment":"neutral","sentiment_score":-0.07360787689685822},{"text":"So, realistically, the beneficiary within CBAS doesn't look like it has been nominated correctly.","start":1433.77,"end":1439.735,"sentiment":"neutral","sentiment_score":-0.17946231258766993},{"text":"Therefore, the the nomination technically would be invalid if at the time of claim.","start":1439.735,"end":1443.995,"sentiment":"negative","sentiment_score":-0.36519076355866026},{"text":"To kind of go through, when you are nominating a beneficiary, there are legislative requirements that you have to follow.","start":1444.615,"end":1451.5951,"sentiment":"neutral","sentiment_score":-0.1299238197505474},{"text":"So","start":1452.33,"end":1452.57,"sentiment":"neutral","sentiment_score":-0.06189700216054917}],"sentiment":"neutral","sentiment_score":-0.20718248680233955,"channel":0,"num_words":50,"start":1433.29,"end":1452.57},{"sentences":[{"text":"Yes.","start":1452.495,"end":1452.75,"sentiment":"neutral","sentiment_score":-0.05274973064661026}],"sentiment":"neutral","sentiment_score":-0.05274973064661026,"channel":1,"num_words":1,"start":1452.495,"end":1452.75},{"sentences":[{"text":"theoretically realistically, under legislation, your mom doesn't really qualify as a person who can receive the benefit.","start":1452.57,"end":1459.5499,"sentiment":"neutral","sentiment_score":-0.12219615280628204},{"text":"Under legislation for being a beneficiary, it can only be nominated to your children, your wife or spouse, someone who lives with you and relies on you financially.","start":1460.8099,"end":1471.085,"sentiment":"neutral","sentiment_score":-0.04283742633249078},{"text":"So your mom could be nominated if she is an independent person or lives with you.","start":1471.3049,"end":1476.665,"sentiment":"neutral","sentiment_score":0.0222941089887172},{"text":"You sort of supply and look after her and pay for her bills, she has to rely on you financially to be considered a dependent, essentially.","start":1476.665,"end":1484.54,"sentiment":"neutral","sentiment_score":-0.06845114981898895},{"text":"Does she qualify as a dependent based on 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you","start":1572.1699,"end":1575.37,"sentiment":"neutral","sentiment_score":0.21094582974910736}],"sentiment":"neutral","sentiment_score":0.20594317867205694,"channel":0,"num_words":13,"start":1570.89,"end":1575.37},{"sentences":[{"text":"Yep.","start":1575.37,"end":1575.87,"sentiment":"neutral","sentiment_score":0.2213553637266159}],"sentiment":"neutral","sentiment_score":0.2213553637266159,"channel":1,"num_words":1,"start":1575.37,"end":1575.87},{"sentences":[{"text":"to make it 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that.","start":1579.235,"end":1586.835,"sentiment":"neutral","sentiment_score":0.23589902027295187},{"text":"That is really important to make sure that everything you've worked really hard for.","start":1586.835,"end":1591.0751,"sentiment":"neutral","sentiment_score":0.18661281040736608},{"text":"You're working phenomenal hours, and you're working overtime, and you've got your house and all your savings, new cars, and things like that.","start":1591.0751,"end":1598.78,"sentiment":"neutral","sentiment_score":0.22970694044361945},{"text":"So if anything was to happen to you, having a will in place is really important to protect everything that you've worked so hard 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do.","start":1606.4249,"end":1616.105,"sentiment":"neutral","sentiment_score":0.09417826884559223},{"text":"And making sure they know what or how you would want them to act on your behalf in the event of something occurring to you.","start":1616.105,"end":1622.34,"sentiment":"neutral","sentiment_score":0.10908950567245483},{"text":"It's not an easy conversation to have, Sam, but it is definitely an important one to think about.","start":1622.4,"end":1627.62,"sentiment":"neutral","sentiment_score":0.0459011337823338},{"text":"Yeah.","start":1627.76,"end":1628.26,"sentiment":"neutral","sentiment_score":0.054106466472148895}],"sentiment":"neutral","sentiment_score":0.08738992311343362,"channel":0,"num_words":79,"start":1606.4249,"end":1628.26},{"sentences":[{"text":"Alright.","start":1628.72,"end":1629.12,"sentiment":"neutral","sentiment_score":0.07693024724721909},{"text":"Yeah.","start":1629.12,"end":1629.36,"sentiment":"neutral","sentiment_score":0.08597253262996674},{"text":"We will 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correct?","start":1642.005,"end":1643.145,"sentiment":"neutral","sentiment_score":0.04974838346242905}],"sentiment":"neutral","sentiment_score":0.25552037502488784,"channel":0,"num_words":31,"start":1631.2,"end":1643.145},{"sentences":[{"text":"Yeah.","start":1644.0651,"end":1644.5651,"sentiment":"neutral","sentiment_score":0.07876181602478027},{"text":"Yep.","start":1644.785,"end":1645.285,"sentiment":"neutral","sentiment_score":0.08842217177152634}],"sentiment":"neutral","sentiment_score":0.0835919938981533,"channel":1,"num_words":2,"start":1644.0651,"end":1645.285},{"sentences":[{"text":"Yeah.","start":1645.2849,"end":1645.7849,"sentiment":"neutral","sentiment_score":0.1873183399438858},{"text":"Beautiful.","start":1645.9249,"end":1646.4249,"sentiment":"positive","sentiment_score":0.5578128695487976},{"text":"Excellent.","start":1646.645,"end":1647.145,"sentiment":"positive","sentiment_score":0.571747899055481},{"text":"And just sort of looking at because I'm gonna update your super and go back and reassess everything for you.","start":1648.51,"end":1654.91,"sentiment":"neutral","sentiment_score":0.2975498683750629},{"text":"I'll look at the hub 24 and the c bus, look at how everything's invested, make sure it's all in line, and make some updated recommendations there for you.","start":1654.91,"end":1663.17,"sentiment":"neutral","sentiment_score":0.25839345414063025}],"sentiment":"neutral","sentiment_score":0.28387089704091734,"channel":0,"num_words":52,"start":1645.2849,"end":1663.17},{"sentences":[{"text":"Looking at your goals now, are you kind of hoping to be able to access super as the earliest available opportunity, or what age do you think you'll hope to retire and fully access super?","start":1664.0651,"end":1674.3251,"sentiment":"neutral","sentiment_score":0.088628486197974}],"sentiment":"neutral","sentiment_score":0.088628486197974,"channel":0,"num_words":35,"start":1664.0651,"end":1674.3251},{"sentences":[{"text":"Not 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say?","start":1690.2649,"end":1692.7649,"sentiment":"neutral","sentiment_score":-0.014583730308169668}],"sentiment":"neutral","sentiment_score":-0.014583730308169668,"channel":1,"num_words":11,"start":1690.2649,"end":1692.7649},{"sentences":[{"text":"Well, I can give you some good news because you can actually if you fully retire at the age of 60 within, you know, intention of retiring, you can access your super at that age.","start":1693.0249,"end":1702.3049,"sentiment":"neutral","sentiment_score":0.25751166471413206},{"text":"That's preservation age now.","start":1702.3049,"end":1704.0,"sentiment":"neutral","sentiment_score":0.17805015295743942},{"text":"If you work through to 65, regardless of whether you're working or not, they will then allow access to your super.","start":1704.56,"end":1711.06,"sentiment":"neutral","sentiment_score":0.1438269086536907},{"text":"And age 67, if you're eligible, is the age that you can apply for the age pension through Centrelink, 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now.","start":1855.88,"end":1856.36,"sentiment":"neutral","sentiment_score":0.07288715243339539},{"text":"Yeah.","start":1856.36,"end":1856.84,"sentiment":"neutral","sentiment_score":0.2793557047843933},{"text":"Pretty good.","start":1856.84,"end":1857.58,"sentiment":"positive","sentiment_score":0.6836835443973541}],"sentiment":"positive","sentiment_score":0.3584994196891785,"channel":1,"num_words":5,"start":1855.88,"end":1857.58},{"sentences":[{"text":"fantastic.","start":1857.74,"end":1858.24,"sentiment":"positive","sentiment_score":0.7769607305526733},{"text":"Lovely.","start":1858.5399,"end":1858.94,"sentiment":"positive","sentiment_score":0.6946322917938232},{"text":"The only other goal I wanted to touch on was your mortgage.","start":1858.94,"end":1861.98,"sentiment":"neutral","sentiment_score":0.13789315025011697},{"text":"Are you hoping to sorta have that fully paid down by the time you hit retirement, or are you sorta not worried just chipping away at it through the years?","start":1861.98,"end":1870.005,"sentiment":"neutral","sentiment_score":0.009766078554093838}],"sentiment":"neutral","sentiment_score":0.07771120868115262,"channel":0,"num_words":44,"start":1857.74,"end":1870.005},{"sentences":[{"text":"Hopefully, chip away.","start":1870.675,"end":1873.36,"sentiment":"neutral","sentiment_score":-0.06990185255805652},{"text":"Hopefully, it'll be paid off by then with fourteen more","start":1873.36,"end":1876.16,"sentiment":"neutral","sentiment_score":0.06445294581353664}],"sentiment":"neutral","sentiment_score":0.03344799234316899,"channel":1,"num_words":13,"start":1870.675,"end":1876.16},{"sentences":[{"text":"Yeah.","start":1875.985,"end":1876.485,"sentiment":"neutral","sentiment_score":0.06803801655769348}],"sentiment":"neutral","sentiment_score":0.06803801655769348,"channel":0,"num_words":1,"start":1875.985,"end":1876.485},{"sentences":[{"text":"year.","start":1876.16,"end":1876.66,"sentiment":"neutral","sentiment_score":0.09592437744140624}],"sentiment":"neutral","sentiment_score":0.09592437744140624,"channel":1,"num_words":1,"start":1876.16,"end":1876.66},{"sentences":[{"text":"Beautiful.","start":1877.78,"end":1878.28,"sentiment":"positive","sentiment_score":0.47225475311279297},{"text":"Fourteen more years to go.","start":1878.5,"end":1880.26,"sentiment":"neutral","sentiment_score":0.28931963443756104},{"text":"Excellent.","start":1880.26,"end":1880.76,"sentiment":"positive","sentiment_score":0.6315488815307617},{"text":"Well, you're still nice and young.","start":1880.82,"end":1882.5,"sentiment":"positive","sentiment_score":0.5418593436479568},{"text":"Don't ever think that you're too old.","start":1882.5,"end":1884.18,"sentiment":"neutral","sentiment_score":0.15569342247077397}],"sentiment":"positive","sentiment_score":0.3445705913007259,"channel":0,"num_words":20,"start":1877.78,"end":1884.18},{"sentences":[{"text":"And within that fourteen years, you've got plenty of time to pay your mortgage down and build your super up.","start":1884.18,"end":1889.16,"sentiment":"neutral","sentiment_score":0.3072646841406822}],"sentiment":"neutral","sentiment_score":0.3072646841406822,"channel":0,"num_words":20,"start":1884.18,"end":1889.16},{"sentences":[{"text":"Yep.","start":1890.5751,"end":1890.7351,"sentiment":"neutral","sentiment_score":0.10697203874588011},{"text":"Yep.","start":1890.7351,"end":1891.2351,"sentiment":"neutral","sentiment_score":0.0826268345117569}],"sentiment":"neutral","sentiment_score":0.09479943662881851,"channel":1,"num_words":2,"start":1890.5751,"end":1891.2351},{"sentences":[{"text":"Oh, goddamn it.","start":1893.535,"end":1894.675,"sentiment":"neutral","sentiment_score":0.0622704861064752},{"text":"The last thing to kinda let you know is in that email DocuSign there, we do have essentially the ongoing services agreement for the twelve months there.","start":1894.8151,"end":1903.6799,"sentiment":"neutral","sentiment_score":0.016295088386094128},{"text":"So for us to remain as your servicing adviser and provide advice and help you along, we do need you to sign and return that back.","start":1903.6799,"end":1910.4199,"sentiment":"neutral","sentiment_score":0.028231105480629664},{"text":"Our fee structure essentially has been the same for the last few years.","start":1910.88,"end":1914.0,"sentiment":"neutral","sentiment_score":-0.003408241014067943},{"text":"It's been 1.65% per annum.","start":1914.0,"end":1916.58,"sentiment":"neutral","sentiment_score":0.004156623408198357}],"sentiment":"neutral","sentiment_score":0.018071129339168202,"channel":0,"num_words":74,"start":1893.535,"end":1916.58},{"sentences":[{"text":"We have recently updated that.","start":1916.735,"end":1918.735,"sentiment":"neutral","sentiment_score":0.017947858199477196},{"text":"So, essentially, with your with the fee structure now, it's a tiered structure.","start":1918.735,"end":1923.155,"sentiment":"neutral","sentiment_score":0.012055027513549877},{"text":"So when your balance hits 200,000 as it has as it has now, it does mean that you tip over into the next tier.","start":1923.2151,"end":1931.76,"sentiment":"neutral","sentiment_score":0.022203071780192356},{"text":"So balance is up to 200,000.","start":1932.2999,"end":1934.4,"sentiment":"neutral","sentiment_score":0.0151695782939593},{"text":"You pay 1.65 percent per annum.","start":1934.5399,"end":1937.2,"sentiment":"neutral","sentiment_score":0.01384939020499587}],"sentiment":"neutral","sentiment_score":0.017656336710960778,"channel":0,"num_words":54,"start":1916.735,"end":1937.2},{"sentences":[{"text":"When your balance goes over into the next tier, it drops down to 1.375.","start":1937.34,"end":1942.22,"sentiment":"neutral","sentiment_score":-0.0030584256331037197},{"text":"So each tier that you drop down as your balance increases, we actually reduce the percentage of the tier.","start":1942.22,"end":1948.6849,"sentiment":"neutral","sentiment_score":0.024128092796002563},{"text":"So the fee structure won't be sort of fluctuating as much, and we set it as a dollar figure to give you more clarity around the fee for the year.","start":1948.6849,"end":1956.945,"sentiment":"neutral","sentiment_score":0.01958008473739028},{"text":"I'm just pulling up the ongoing service agreement for you in this document.","start":1957.485,"end":1961.53,"sentiment":"neutral","sentiment_score":0.021592816194662683},{"text":"So it essentially shows based on your balance, this year's ongoing service fee is expected to be 3,518 and 96¢.","start":1963.03,"end":1970.89,"sentiment":"neutral","sentiment_score":0.011138046111323331}],"sentiment":"neutral","sentiment_score":0.01574050350555856,"channel":0,"num_words":96,"start":1937.34,"end":1970.89},{"sentences":[{"text":"It used to be that it used to fluctuate with the market.","start":1971.4299,"end":1974.07,"sentiment":"neutral","sentiment_score":-0.012097316483656565},{"text":"So if you received, you know, a lot of contributions and or, you know, 20% return, our fee would increase with that.","start":1974.07,"end":1980.705,"sentiment":"neutral","sentiment_score":0.0003783116117119789},{"text":"Our fee no longer happens.","start":1980.845,"end":1982.2849,"sentiment":"neutral","sentiment_score":0.05386362969875336},{"text":"It is a set dollar figure fee based on the percentage you're on, so you'll never pay more than what you've actually been quoted there.","start":1982.2849,"end":1989.1849,"sentiment":"neutral","sentiment_score":0.15168615996837617},{"text":"Okay?","start":1989.245,"end":1989.745,"sentiment":"neutral","sentiment_score":0.05456768721342087}],"sentiment":"neutral","sentiment_score":0.06121838296262117,"channel":0,"num_words":65,"start":1971.4299,"end":1989.745},{"sentences":[{"text":"Okay.","start":1990.6901,"end":1991.17,"sentiment":"neutral","sentiment_score":0.07269939035177231},{"text":"Yep.","start":1991.17,"end":1991.67,"sentiment":"neutral","sentiment_score":0.11606194823980331},{"text":"Yep.","start":1991.73,"end":1992.23,"sentiment":"neutral","sentiment_score":0.12634265422821045}],"sentiment":"neutral","sentiment_score":0.10503466427326202,"channel":1,"num_words":3,"start":1990.6901,"end":1992.23},{"sentences":[{"text":"Yeah.","start":1991.89,"end":1992.37,"sentiment":"neutral","sentiment_score":0.1547311693429947},{"text":"The idea is that we do have to with the essentially, with the cost of advice, we do have to charge a fee for our services for the research, the advice we provide in keeping you on track for your retirement.","start":1992.37,"end":2002.31,"sentiment":"neutral","sentiment_score":0.2703279961900013},{"text":"But we also wanna make sure that as your balance increases, that the tier you're in decreases a little bit.","start":2003.185,"end":2008.9451,"sentiment":"neutral","sentiment_score":0.09945922754704953},{"text":"So as your balance increases, the percentage you pay on your ongoing service agreement will start to decrease a little bit for you to sort of provide more benefit.","start":2008.9451,"end":2018.83,"sentiment":"neutral","sentiment_score":0.22262183422672338},{"text":"And instead of just giving you an estimate, we do it as a set dollar figure fee now so that it will be consistent.","start":2019.45,"end":2025.71,"sentiment":"neutral","sentiment_score":0.2201856163640817}],"sentiment":"neutral","sentiment_score":0.21711175260336502,"channel":0,"num_words":115,"start":1991.89,"end":2025.71},{"sentences":[{"text":"It gives you more clarity around how much you're going to certainly pay.","start":2025.85,"end":2029.605,"sentiment":"positive","sentiment_score":0.402869483599296},{"text":"It still includes any additional advice that we're providing with regard to your super.","start":2029.6849,"end":2033.445,"sentiment":"neutral","sentiment_score":0.27616518629448755},{"text":"So we're not there's no implementation fees for this additional advice.","start":2033.445,"end":2037.365,"sentiment":"neutral","sentiment_score":0.13535818254405801},{"text":"It's all part of our services, part of that ongoing service agreement.","start":2037.365,"end":2040.8049,"sentiment":"neutral","sentiment_score":0.21506574749946594},{"text":"Does that make sense?","start":2040.8049,"end":2041.765,"sentiment":"neutral","sentiment_score":0.13851450197398663}],"sentiment":"neutral","sentiment_score":0.25421116445903424,"channel":0,"num_words":54,"start":2025.85,"end":2041.765},{"sentences":[{"text":"Do you have any questions?","start":2041.765,"end":2042.985,"sentiment":"neutral","sentiment_score":0.056796446442604065}],"sentiment":"neutral","sentiment_score":0.056796446442604065,"channel":0,"num_words":5,"start":2041.765,"end":2042.985},{"sentences":[{"text":"Yeah.","start":2045.2999,"end":2045.62,"sentiment":"neutral","sentiment_score":0.10844631493091585},{"text":"That makes sense.","start":2045.62,"end":2046.6,"sentiment":"neutral","sentiment_score":0.13018125295639038},{"text":"How much","start":2047.0599,"end":2047.7999,"sentiment":"neutral","sentiment_score":0.14283926784992218}],"sentiment":"neutral","sentiment_score":0.1307781015833219,"channel":1,"num_words":6,"start":2045.2999,"end":2047.7999},{"sentences":[{"text":"Yep.","start":2047.3099,"end":2047.71,"sentiment":"neutral","sentiment_score":0.17617850005626678},{"text":"Beautiful.","start":2047.71,"end":2048.21,"sentiment":"positive","sentiment_score":0.3742499351501465},{"text":"Yeah.","start":2049.79,"end":2050.29,"sentiment":"neutral","sentiment_score":0.17957627773284912}],"sentiment":"neutral","sentiment_score":0.24333490431308746,"channel":0,"num_words":3,"start":2047.3099,"end":2050.29},{"sentences":[{"text":"yeah.","start":2050.98,"end":2051.48,"sentiment":"neutral","sentiment_score":0.1569032222032547},{"text":"Yeah.","start":2053.46,"end":2053.96,"sentiment":"neutral","sentiment_score":0.129133939743042},{"text":"Yeah.","start":2056.955,"end":2057.455,"sentiment":"neutral","sentiment_score":0.112118661403656}],"sentiment":"neutral","sentiment_score":0.13271860778331757,"channel":1,"num_words":3,"start":2050.98,"end":2057.455},{"sentences":[{"text":"Yep.","start":2059.5352,"end":2059.695,"sentiment":"neutral","sentiment_score":0.1102488338947296},{"text":"Well, what I'll get you to do, if you're comfortable and you would like the advice provided this year, we do have to get you to sign the service agreement so as to be able to provide the advice and assist you moving forward.","start":2059.695,"end":2069.955,"sentiment":"neutral","sentiment_score":0.1512154293331233},{"text":"If at any point you choose to not sign the agreement and don't wish to seek advice, it's fine.","start":2070.2551,"end":2074.38,"sentiment":"neutral","sentiment_score":-0.08703902324563578},{"text":"It just means that you'll be needing to look after your super and the insurances and decide whether you kind of roll them back or retain the hub, making sure that you're aware of the risk level and the investments and how everything is set up.","start":2074.38,"end":2086.72,"sentiment":"neutral","sentiment_score":0.011150662989720055},{"text":"The benefit to having an adviser is that we do review things regularly for you, update the advice, and clarify the risk levels.","start":2087.595,"end":2094.235,"sentiment":"neutral","sentiment_score":0.23608002552519675}],"sentiment":"neutral","sentiment_score":0.08310343885332122,"channel":0,"num_words":133,"start":2059.5352,"end":2094.235},{"sentences":[{"text":"So at the moment, you told me you're happy to stay in that high growth environment there.","start":2094.235,"end":2097.835,"sentiment":"neutral","sentiment_score":0.14635779708623886},{"text":"You wanna take that greater risk for the greater potential returns.","start":2097.835,"end":2101.53,"sentiment":"neutral","sentiment_score":0.0668952688574791},{"text":"But down the track, you may not be comfortable taking those sorts of risks.","start":2102.07,"end":2105.1099,"sentiment":"neutral","sentiment_score":-0.24361281469464302},{"text":"And one of what one of the things that we do aside from updating advice and changing things for you is making sure that we can determine when that time is to reduce that risk level and help you to reduce that in line with your goals and needs so that when you get to retirement, you're not sitting in a year out and seeing a, you know, a 40% major dip on your super.","start":2105.1099,"end":2125.755,"sentiment":"neutral","sentiment_score":0.07985244149963061},{"text":"The idea is we're trying to protect your capital by that point and reduce the risk level so you're not going into retirement after seeing a big 40 or 50 or 60% dip like the GFC kinda source.","start":2125.755,"end":2136.41,"sentiment":"neutral","sentiment_score":0.08274498385818381}],"sentiment":"neutral","sentiment_score":0.05771995871778458,"channel":0,"num_words":155,"start":2094.235,"end":2136.41},{"sentences":[{"text":"So there are those advantages there.","start":2136.41,"end":2138.91,"sentiment":"positive","sentiment_score":0.34126846492290497},{"text":"Obviously, we wanna make sure your returns are working for you, and that is a big factor.","start":2139.13,"end":2144.075,"sentiment":"positive","sentiment_score":0.38460948099108305},{"text":"The whilst you did receive a 5% return this year, that is net.","start":2144.775,"end":2148.135,"sentiment":"neutral","sentiment_score":0.17548389045091775},{"text":"That's after our fee came out.","start":2148.135,"end":2149.895,"sentiment":"neutral","sentiment_score":0.14589961742361388},{"text":"So that's what you know, you still made $13,000 after our ongoing service fee.","start":2149.895,"end":2154.375,"sentiment":"neutral","sentiment_score":0.23232794127293996}],"sentiment":"neutral","sentiment_score":0.2677723468680467,"channel":0,"num_words":56,"start":2136.41,"end":2154.375},{"sentences":[{"text":"So you did make enough out of your super for our services, plus additional growth there that was compounding for your super.","start":2154.375,"end":2162.03,"sentiment":"positive","sentiment_score":0.4233279580419714},{"text":"So it is definitely working.","start":2162.03,"end":2164.05,"sentiment":"positive","sentiment_score":0.6217733502388001},{"text":"If at any point I find there's no value to it or you find there's no value to it, you're welcome to let me know, and we'll happily turn it off for you and seize our services.","start":2164.35,"end":2174.085,"sentiment":"neutral","sentiment_score":-0.1343798855369961},{"text":"But, if you are wanting the advice this time around, I will need you to sign and return that back there for me.","start":2174.085,"end":2179.685,"sentiment":"neutral","sentiment_score":-0.0052693914622068405},{"text":"Okay?","start":2179.685,"end":2180.185,"sentiment":"neutral","sentiment_score":0.01469122339040041}],"sentiment":"neutral","sentiment_score":0.08344910548872907,"channel":0,"num_words":88,"start":2154.375,"end":2180.185},{"sentences":[{"text":"Yep.","start":2181.0,"end":2181.4001,"sentiment":"neutral","sentiment_score":0.04538574814796448},{"text":"No worries.","start":2181.4001,"end":2182.04,"sentiment":"neutral","sentiment_score":0.08614129945635796},{"text":"Yep.","start":2182.04,"end":2182.54,"sentiment":"neutral","sentiment_score":0.17070898413658142}],"sentiment":"neutral","sentiment_score":0.09709433279931545,"channel":1,"num_words":4,"start":2181.0,"end":2182.54},{"sentences":[{"text":"Excellent.","start":2182.565,"end":2183.065,"sentiment":"positive","sentiment_score":0.5703437328338623},{"text":"I I easy.","start":2183.365,"end":2184.805,"sentiment":"positive","sentiment_score":0.4381432632605235},{"text":"I also just wanna clarify.","start":2184.805,"end":2186.265,"sentiment":"neutral","sentiment_score":0.1865575909614563},{"text":"Would you like me to do a catch up with you in the next few months as well just to sort of provide a little bit more value and, yeah, a little bit more clarity on what's happening with your super moving forward?","start":2186.325,"end":2197.2,"sentiment":"neutral","sentiment_score":0.1548514172088268},{"text":"Did you wanna catch up every sort of three or six months?","start":2197.2,"end":2199.44,"sentiment":"neutral","sentiment_score":0.024090024487425882}],"sentiment":"neutral","sentiment_score":0.15258207361330278,"channel":0,"num_words":64,"start":2182.565,"end":2199.44},{"sentences":[{"text":"What would you like to see, damn it?","start":2199.44,"end":2201.3,"sentiment":"neutral","sentiment_score":0.007238017627969384}],"sentiment":"neutral","sentiment_score":0.007238017627969384,"channel":0,"num_words":8,"start":2199.44,"end":2201.3},{"sentences":[{"text":"Maybe six months.","start":2202.815,"end":2203.775,"sentiment":"neutral","sentiment_score":0.0018693404272198677},{"text":"Yeah.","start":2203.775,"end":2204.275,"sentiment":"neutral","sentiment_score":0.010702843777835367}],"sentiment":"neutral","sentiment_score":0.004077716264873743,"channel":1,"num_words":4,"start":2202.815,"end":2204.275},{"sentences":[{"text":"Six months?","start":2204.495,"end":2205.135,"sentiment":"neutral","sentiment_score":0.007169807329773903},{"text":"Yeah.","start":2205.135,"end":2205.375,"sentiment":"neutral","sentiment_score":0.027826040983200073},{"text":"That brings us to about February.","start":2205.375,"end":2206.975,"sentiment":"neutral","sentiment_score":0.029220284273227055},{"text":"That'd be okay?","start":2206.975,"end":2208.0352,"sentiment":"neutral","sentiment_score":0.06194843972722689}],"sentiment":"neutral","sentiment_score":0.03361105670531591,"channel":0,"num_words":12,"start":2204.495,"end":2208.0352},{"sentences":[{"text":"Yep.","start":2208.7349,"end":2209.2,"sentiment":"neutral","sentiment_score":0.06437375396490097},{"text":"That's what","start":2209.28,"end":2210.0999,"sentiment":"neutral","sentiment_score":0.08118965849280357}],"sentiment":"neutral","sentiment_score":0.0755843569835027,"channel":1,"num_words":3,"start":2208.7349,"end":2210.0999},{"sentences":[{"text":"Yeah.","start":2209.935,"end":2210.435,"sentiment":"neutral","sentiment_score":0.17738580703735352},{"text":"Beautiful.","start":2210.895,"end":2211.395,"sentiment":"positive","sentiment_score":0.4941723942756653},{"text":"What I'll get you to do is when you got some time signed and","start":2211.455,"end":2213.615,"sentiment":"neutral","sentiment_score":0.14124128648212977}],"sentiment":"neutral","sentiment_score":0.16555851325392723,"channel":0,"num_words":16,"start":2209.935,"end":2213.615},{"sentences":[{"text":"I'm","start":2213.5898,"end":2213.8398,"sentiment":"neutral","sentiment_score":0.12301279604434968}],"sentiment":"neutral","sentiment_score":0.12301279604434968,"channel":1,"num_words":1,"start":2213.5898,"end":2213.8398},{"sentences":[{"text":"return that","start":2213.615,"end":2214.175,"sentiment":"neutral","sentiment_score":0.13542689383029938}],"sentiment":"neutral","sentiment_score":0.13542689383029938,"channel":0,"num_words":2,"start":2213.615,"end":2214.175},{"sentences":[{"text":"yeah.","start":2214.0898,"end":2214.5898,"sentiment":"neutral","sentiment_score":0.0875757485628128}],"sentiment":"neutral","sentiment_score":0.0875757485628128,"channel":1,"num_words":1,"start":2214.0898,"end":2214.5898},{"sentences":[{"text":"document back there, I'll get been stuck into the research.","start":2214.175,"end":2216.735,"sentiment":"neutral","sentiment_score":0.09815768543630839},{"text":"My team will give you a callback in a few weeks and rebook the time to go through the updated advice.","start":2216.735,"end":2221.74,"sentiment":"neutral","sentiment_score":0.2148187355626197},{"text":"We'll get those changes in place and get things working a little bit for you, and then I'll make sure I do some catch ups with you down the track to keep you on track and make sure things are working hard for you.","start":2222.3599,"end":2231.48,"sentiment":"positive","sentiment_score":0.37537459859793837},{"text":"Does that sound 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perfect.","start":2233.735,"end":2234.555,"sentiment":"positive","sentiment_score":0.6585566103458405},{"text":"Yep.","start":2234.7751,"end":2235.2751,"sentiment":"positive","sentiment_score":0.4593619704246521}],"sentiment":"positive","sentiment_score":0.5044992379844189,"channel":1,"num_words":4,"start":2233.2551,"end":2235.2751},{"sentences":[{"text":"Beautiful.","start":2235.4849,"end":2235.9849,"sentiment":"positive","sentiment_score":0.7436490654945374},{"text":"Look.","start":2236.045,"end":2236.285,"sentiment":"positive","sentiment_score":0.5818467736244202},{"text":"Thank","start":2236.285,"end":2236.525,"sentiment":"positive","sentiment_score":0.7862842679023743}],"sentiment":"positive","sentiment_score":0.703926702340444,"channel":0,"num_words":3,"start":2235.4849,"end":2236.525},{"sentences":[{"text":"Perfect.","start":2236.375,"end":2236.875,"sentiment":"positive","sentiment_score":0.7748781442642212}],"sentiment":"positive","sentiment_score":0.7748781442642212,"channel":1,"num_words":1,"start":2236.375,"end":2236.875},{"sentences":[{"text":"you so much.","start":2236.525,"end":2237.1648,"sentiment":"positive","sentiment_score":0.7677855889002482},{"text":"I apologize for the time.","start":2237.1648,"end":2239.105,"sentiment":"neutral","sentiment_score":0.232060444355011},{"text":"I've taken up way too much of your time, but I appreciate your time today to go through things.","start":2239.2449,"end":2243.505,"sentiment":"positive","sentiment_score":0.47110202202671453},{"text":"I look forward to putting this advice together for you.","start":2243.805,"end":2246.25,"sentiment":"positive","sentiment_score":0.790330445766449},{"text":"And if you have any questions, you are welcome to let me know at any point.","start":2246.25,"end":2249.77,"sentiment":"positive","sentiment_score":0.3867613263428211}],"sentiment":"positive","sentiment_score":0.5001147752100567,"channel":0,"num_words":53,"start":2236.525,"end":2249.77},{"sentences":[{"text":"Okay?","start":2249.77,"end":2250.27,"sentiment":"neutral","sentiment_score":0.31136906147003174}],"sentiment":"neutral","sentiment_score":0.31136906147003174,"channel":0,"num_words":1,"start":2249.77,"end":2250.27},{"sentences":[{"text":"Perfect.","start":2250.63,"end":2251.13,"sentiment":"positive","sentiment_score":0.7251936197280884},{"text":"Cheers for your help.","start":2251.27,"end":2252.41,"sentiment":"positive","sentiment_score":0.8057281374931335}],"sentiment":"positive","sentiment_score":0.7896212339401245,"channel":1,"num_words":5,"start":2250.63,"end":2252.41},{"sentences":[{"text":"No worries, Dermot.","start":2252.97,"end":2254.01,"sentiment":"positive","sentiment_score":0.5478402475516001},{"text":"You have a great day.","start":2254.01,"end":2255.05,"sentiment":"positive","sentiment_score":0.7861725091934204},{"text":"Don't work too hard.","start":2255.05,"end":2256.177,"sentiment":"neutral","sentiment_score":0.17200936749577522}],"sentiment":"positive","sentiment_score":0.521868396550417,"channel":0,"num_words":12,"start":2252.97,"end":2256.177},{"sentences":[{"text":"Same as thank you.","start":2256.7651,"end":2258.145,"sentiment":"positive","sentiment_score":0.522575668990612}],"sentiment":"positive","sentiment_score":0.522575668990612,"channel":1,"num_words":4,"start":2256.7651,"end":2258.145},{"sentences":[{"text":"Thank you.","start":2258.097,"end":2258.657,"sentiment":"positive","sentiment_score":0.6608254015445709},{"text":"See you later.","start":2258.657,"end":2259.457,"sentiment":"positive","sentiment_score":0.5280196766058604},{"text":"Bye.","start":2259.457,"end":2259.957,"sentiment":"neutral","sentiment_score":-0.10539738833904266}],"sentiment":"positive","sentiment_score":0.46671874076128006,"channel":0,"num_words":6,"start":2258.097,"end":2259.957}]},"summary":{"result":"success","short":"Representatives from Oakley Financial speak with customers about their annual reviews, risk management, and portfolio performance. They emphasize the importance of long-term returns and reducing risk levels when the customer is comfortable with their current coverage. The representatives also discuss the benefits of retaining a super plan and offer coverage plans for various types of coverage and premiums. They emphasize the importance of reducing risk levels and protecting capital, and offer follow-up services for the customer's mortgage."},"intents":{"segments":[{"text":"Janet, before we jump into the call, just to let you know we do record our calls for quality and training purpose. Is that you happy to proceed with that? Yeah.","start_word":72,"end_word":102,"intents":[{"intent":"Record calls","confidence_score":0.01896963}]},{"text":"And, also, just to do a quick security check there with you, we are discussing your personal information. So if I can please ask you to confirm your full name, your date of birth, and address I should have on file there for you.","start_word":108,"end_word":151,"intents":[{"intent":"Confirm details","confidence_score":0.048393928}]},{"text":"Thank you so much for that, Dammit. Now we normally do send some annual review documents through to you to kinda go through with us. Your it sounds like you're in the car or driving at the moment, so I'm gonna assume you probably don't have access to your emails. Am I correct in that? Or Yeah.","start_word":176,"end_word":232,"intents":[{"intent":"Send annual review documents","confidence_score":0.023887431}]},{"text":"So we have had a bit of growth issue, which is good to see. Okay?","start_word":520,"end_word":534,"intents":[{"intent":"Discuss growth issue","confidence_score":0.000008566397}]},{"text":"If you are able to go to the next document along, you will see your internal rate of return showing you a bit of an update of your portfolio performance for the year.","start_word":536,"end_word":568,"intents":[{"intent":"Provide portfolio performance update","confidence_score":0.015408164},{"intent":"Explain portfolio performance","confidence_score":0.052660387}]},{"text":"You have been on board for around about two years at this point as well, and I did go back to have a look at what the average return was based on that two year time frame.","start_word":715,"end_word":751,"intents":[{"intent":"Assess returns","confidence_score":0.051579393}]},{"text":"If you'd like me to go back and review the portfolio or maybe update the advice for you. Yeah.","start_word":1294,"end_word":1312,"intents":[{"intent":"Analyze portfolio changes","confidence_score":0.19681357}]},{"text":"So you really realistically are taking a little bit more risk in the market to obtain greater potential returns when the market is performing. Yeah.","start_word":1444,"end_word":1468,"intents":[{"intent":"Evaluate market returns","confidence_score":0.003200464}]},{"text":"I'd love to update the advice and maybe make some changes to your portfolio to keep it working harder for you if you're comfortable with me doing so. Oh, yeah.","start_word":1801,"end_word":1830,"intents":[{"intent":"Update advice","confidence_score":0.50176346}]},{"text":"So please let me know if you start to feel nervous with the market ups and downs, and we can always start to reduce your risk level. Yeah.","start_word":1936,"end_word":1963,"intents":[{"intent":"Reduce risk","confidence_score":0.13578665}]},{"text":"I would be looking at the high growth environment generally suits someone who's about eight years away from accessing their super. So when you kinda get to that, you know, seven to eight year time horizon, I would definitely be asking and trying to pull you back a little bit as well. That way, we're sort of not taking too much risk as you get closer and closer to your retirement. Does that make sense? It does.","start_word":1964,"end_word":2040,"intents":[{"intent":"Discuss retirement timeline","confidence_score":0.04875515}]},{"text":"Now the other thing I just wanted to sort of bring out there was obviously your insurances. So we had retained your fee bus back when you came on board originally. I believe you have lupus. Is that right? Yeah.","start_word":2100,"end_word":2139,"intents":[{"intent":"Reveal insurance status","confidence_score":0.0013375025}]},{"text":"And now you've also got some total permanent disability. Do you know and understand how TBD works or what total permanent disability covers and how it pays out? Not really.","start_word":2669,"end_word":2698,"intents":[{"intent":"Explore benefits","confidence_score":0.000051383264}]},{"text":"Is there is there anything you wanted to ask me or have me clarify further for you in relation to it?","start_word":2904,"end_word":2924,"intents":[{"intent":"Provide information","confidence_score":0.036159895}]},{"text":"Is there is there anything you wanted to ask me or have me clarify further for you in relation to it? Not not not not doing good.","start_word":2904,"end_word":2930,"intents":[{"intent":"Clarify situation","confidence_score":0.0018026212}]},{"text":"Now there are other types of personal insurance that I do have to touch on for you. So you don't have any income protection. How would you do you have much in the way of sick leave, annual leave, or savings that you could fall back on if you weren't able to go to work in the short term? How would you cover your expenditure if you weren't able to go to work? Yeah.","start_word":2933,"end_word":3006,"intents":[{"intent":"Discuss coverage options","confidence_score":0.21996567},{"intent":"Discuss coverage options","confidence_score":0.019955851}]},{"text":"Do you have any questions about the insurance aspect or anything I've kind of told you today just to sort of clarify? No.","start_word":3270,"end_word":3292,"intents":[{"intent":"Clarify details","confidence_score":0.000008221112}]},{"text":"We can set up a couple of different ways. So if you wanted to have her nominated as part of your beneficiary, you would need to direct the portion that you wanna pay to her through your estate, so through your will.","start_word":4327,"end_word":4368,"intents":[{"intent":"Set up beneficiary nomination","confidence_score":0.06305711},{"intent":"Create will","confidence_score":0.0019693184}]},{"text":"Did you want us to help you update that? Yeah.","start_word":4554,"end_word":4563,"intents":[{"intent":"Update nomination","confidence_score":0.32156494}]},{"text":"So if anything was to happen to you, having a will in place is really important to protect everything that you've worked so hard for. And, Yes.","start_word":4657,"end_word":4683,"intents":[{"intent":"Protect assets","confidence_score":0.6041335}]},{"text":"also, having a power of attorney in place and nominating someone to make financial and or medical decisions on your behalf in the event that you're not able to is also really important to do. And making sure they know what or how you would want them to act on your behalf in the event of something occurring to you.","start_word":4685,"end_word":4744,"intents":[{"intent":"Ensure action in the event of an incident","confidence_score":0.0000024046278}]},{"text":"And just sort of looking at because I'm gonna update your super and go back and reassess everything for you. I'll look at the hub 24 and the c bus, look at how everything's invested, make sure it's all in line, and make some updated recommendations there for you.","start_word":4810,"end_word":4858,"intents":[{"intent":"Update super","confidence_score":0.39464697}]},{"text":"Not sure. Probably.","start_word":4894,"end_word":4896,"intents":[{"intent":"Determine retirement age","confidence_score":0.06348873}]},{"text":"Is that the age that you're assuming you're able to under the law, or is that just the age you would wanna access it?","start_word":4903,"end_word":4926,"intents":[{"intent":"Confirm retirement age","confidence_score":0.036063902}]},{"text":"So just to reconfirm and make sure I've got everything covered for you, I'll go back and reassess your supers, the investments, and see how they're working, look at you know, updating the recommendations to make sure they're working as hard as possible for you.","start_word":5296,"end_word":5340,"intents":[{"intent":"Recommend investment strategy","confidence_score":0.000057215148}]},{"text":"The only other goal I wanted to touch on was your mortgage. Are you hoping to sorta have that fully paid down by the time you hit retirement, or are you sorta not worried just chipping away at it through the years? Hopefully, chip away.","start_word":5414,"end_word":5458,"intents":[{"intent":"Address mortgage concerns","confidence_score":0.09820677}]},{"text":"It is a set dollar figure fee based on the percentage you're on, so you'll never pay more than what you've actually been quoted there. Okay?","start_word":5776,"end_word":5801,"intents":[{"intent":"Discuss retirement benefits and fee options","confidence_score":5.377023e-7}]},{"text":"And one of what one of the things that we do aside from updating advice and changing things for you is making sure that we can determine when that time is to reduce that risk level and help you to reduce that in line with your goals and needs so that when you get to retirement, you're not sitting in a year out and seeing a, you know, a 40% major dip on your super.","start_word":6167,"end_word":6241,"intents":[{"intent":"Reducing risk level","confidence_score":0.11054571}]},{"text":"If at any point I find there's no value to it or you find there's no value to it, you're welcome to let me know, and we'll happily turn it off for you and seize our services. But, if you are wanting the advice this time around, I will need you to sign and return that back there for me. Okay? Yep.","start_word":6362,"end_word":6423,"intents":[{"intent":"Providing value","confidence_score":0.07320254}]},{"text":"That's what Yeah. Beautiful.","start_word":6516,"end_word":6519,"intents":[{"intent":"Confirming understanding","confidence_score":0.010912811}]},{"text":"What I'll get you to do is when you got some time signed and I'm return that yeah. document back there, I'll get been stuck into the research.","start_word":6520,"end_word":6547,"intents":[{"intent":"Getting research done","confidence_score":0.000502848}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Dammit. This is Dana from Oakley Financial. How are you this morning? Yeah. Not too bad. Not too bad.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.21170508861541748},{"text":"That's good. I had you booked in to go through your annual review this morning. Is now still a good time there for you?","start_word":21,"end_word":44,"sentiment":"positive","sentiment_score":0.4001342058181762},{"text":"It is. Yeah. Yep. Yep.","start_word":45,"end_word":49,"sentiment":"neutral","sentiment_score":0.1380612850189209},{"text":"Fantastic.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.4701616168022156},{"text":"Yep. Got I new. do apologize. There's some beeping in the background. Yep. That's gone now. Yep. All good. All good. Janet, before we jump into the call, just to let you know we do record our calls for quality and training purpose. Is that you happy to proceed with that? Yeah. Yeah. All good. Yes.","start_word":51,"end_word":106,"sentiment":"neutral","sentiment_score":0.09865790605545044},{"text":"Fantastic.","start_word":107,"end_word":107,"sentiment":"positive","sentiment_score":0.528628945350647},{"text":"And, also, just to do a quick security check there with you, we are discussing your personal information. So if I can please ask you to confirm your full name, your date of birth, and address I should have on file there for you. 28th Oneida Street, Parkdale 4159. Yep. And your full name and date of birth? Derma Waterstone '29 to the Yeah. fifth seventy nine.","start_word":108,"end_word":174,"sentiment":"neutral","sentiment_score":0.092863991856575},{"text":"Beautiful. Thank you so much for that, Dammit.","start_word":175,"end_word":182,"sentiment":"positive","sentiment_score":0.4599239230155945},{"text":"Now we normally do send some annual review documents through to you to kinda go through with us. Your it sounds like you're in the car or driving at the moment, so I'm gonna assume you probably don't have access to your emails. Am I correct in that? Or Yeah. I can get emails. Yep. you you can? Yeah. Yeah. That's okay. I'm gonna send that through to you now if you're able to jump into your emails there. Please don't if it's gonna be unsafe in any way, shape, or form. But if you are able to, that would be fantastic just so we can go through things together. Yep. Yeah. Yeah. Should come through from Odoo sign or myself, Dana, at Odoo Financial. Just checking out. Sorry. You've got that there? Two secs now. That's okay. I I'm back to the Bluetooth. Yeah. I'm in that email there now.","start_word":183,"end_word":333,"sentiment":"neutral","sentiment_score":0.03606870397925377},{"text":"Beautiful. Fantastic. All good.","start_word":334,"end_word":337,"sentiment":"positive","sentiment_score":0.3929354250431061},{"text":"So when we're looking at the email, if you press the button that takes you through to the next documents, I do believe it says sign here or documents to sign. It won't ask you to sign anything for the moment. It's just so we can kinda go to those documents together. And the first one should just show you a summary of your superannuation and your insurance as noted there. Is that working for you? Yep. It's in there and out.","start_word":338,"end_word":419,"sentiment":"neutral","sentiment_score":0.11261669546365738},{"text":"Fantastic.","start_word":420,"end_word":420,"sentiment":"positive","sentiment_score":0.5828373432159424},{"text":"So sorry about that. All good. So with your balances at the moment, so when I had a look back at your annual review last year, I pulled up your balances to see a bit of a comparison there. So your balance within Hub twenty four at the time was $179,005.56, and you had about 17,000 sitting in your c bus account there as well. As of this annual review for the August 19, your super balance in Hub twenty four is up to $203,007.37 and 49<unk>, and you've got a bit over 26,000 sitting in sea bus there. So we have had a bit of growth issue, which is good to see. Okay? Yep. If you are able to go to the next document along, you will see your internal rate of return showing you a bit of an update of your portfolio performance for the year. The second page of that and looking at the second last column, it does show essentially for the year in within hub twenty four, you've received a 5.24% return. So, realistically, within a high growth portfolio, it is a little bit lower than where we sort of expect for the one year, but with what's been happening globally there, and looking at your portfolio, you've come up with a positive return, and it does show that earnings are about 13,985 for the year there as well.","start_word":421,"end_word":656,"sentiment":"neutral","sentiment_score":0.14052492380142212},{"text":"So all in all, it's a good positive return.","start_word":656,"end_word":665,"sentiment":"positive","sentiment_score":0.6176297068595886},{"text":"It is also got to do with the fact there's no contributions in the hub 24. All your contributions are going into Cbus. So this is essentially what the portfolio has done for the year just on its own working.","start_word":665,"end_word":705,"sentiment":"neutral","sentiment_score":-0.04855196923017502},{"text":"So it's not in any way, shape, or form bad.","start_word":705,"end_word":715,"sentiment":"negative","sentiment_score":-0.4383549094200134},{"text":"You have been on board for around about two years at this point as well, and I did go back to have a look at what the average return was based on that two year time frame. Essentially, since coming on board in 2024, you've essentially had a 19 sorry. 19.32% return.","start_word":714,"end_word":765,"sentiment":"neutral","sentiment_score":0.21821555495262143},{"text":"So when we kinda average that out over the two years, you've made about 9.66% on a yearly basis compounding forward. So it is a good return. You are well within that high growth kind of environment.","start_word":766,"end_word":802,"sentiment":"positive","sentiment_score":0.48696643114089966},{"text":"It's just that some years the returns will be higher than others. It just depends upon markets, what happens globally, and how markets do react there. Does that make sense so far? Do you have any questions at all, damn it? Yeah.","start_word":803,"end_word":844,"sentiment":"neutral","sentiment_score":0.1477600634098053},{"text":"It's not I'm not happy with it. Like, it's I could've stayed with Cbus and got the same.","start_word":845,"end_word":862,"sentiment":"negative","sentiment_score":-0.509734570980072},{"text":"Yeah.","start_word":863,"end_word":863,"sentiment":"neutral","sentiment_score":-0.2697238326072693},{"text":"It's just not working, so I don't know what we're going to change or what's going Yeah.","start_word":864,"end_word":880,"sentiment":"negative","sentiment_score":-0.40583863854408264},{"text":"on. That's that's understandable. I mean, there are it is important to note that you are in a high growth environment as well, so there's no guarantees that you're going to get a high return every year. You are taking on more risk in the market, so you are in a high growth kind of area. That does essentially mean that taking on more risk means that when the returns are higher, you are likely to get a much greater return and feel that, which is great. However, when the markets do take a bit of a dip as your balance increases, you are gonna feel that as well. And that is across the board with what's happened essentially globally in the market. That's something that every super fund has been feeling, not just yourself. So it's understandable that you may not be overly impressed with the return this year.","start_word":881,"end_word":1030,"sentiment":"neutral","sentiment_score":0.10993972420692444},{"text":"It's also good to take advantage of the downtime and keep putting money into your super and kinda building on that.","start_word":1031,"end_word":1051,"sentiment":"positive","sentiment_score":0.5473539233207703},{"text":"But there's no guarantee returns are going to be really good.","start_word":1052,"end_word":1062,"sentiment":"neutral","sentiment_score":0.03174625709652901},{"text":"Insane that in that high growth environment, if you're getting anywhere between a eight to 10% return on a yearly basis and compounding that forward, that keeps you with your average returns about where you're sort of where we would like you to see tracking. It's the average return of high growth portfolio should be able to obtain. And when we look at the last two years that you have been onboard, you've definitely been able to obtain that. As I said, it's a a compound of return of 9.66% over the two years thus far. So you are within that range.","start_word":1063,"end_word":1164,"sentiment":"positive","sentiment_score":0.6056356430053711},{"text":"So I do understand that you may not be overly impressed, but it is important to understand the risk level and how markets react, and that you're not gonna get a high return or a 15% return every year.","start_word":1165,"end_word":1203,"sentiment":"neutral","sentiment_score":-0.19853393733501432},{"text":"There are years where you expect a negative return or a lower return.","start_word":1204,"end_word":1216,"sentiment":"negative","sentiment_score":-0.39333975315093994},{"text":"In saying that, I can see some changes that I could look to make to your portfolio. I can see that there are some investments that would be would be beneficial to maybe swap out for you. The Better Long Australian Equities portion is kind of down. That investment probably shouldn't be as low as it is at the moment. And it does look like there are some other changes that we can make to your portfolio. If you'd like me to go back and review the portfolio or maybe update the advice for you. Yeah. Definitely whatever changes we can make. And what kind Yeah. of am I in the high risk or whereabouts You am are. I? Yeah. You are. So when you think about the risk level that you're in, I say risk out of number between one and five, five being a high you know, all invested in equities and the highest level of risk, and one being the lowest sitting all in cash, you're sitting at about a four. So in that high growth environment, you have about 90% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and commodities, and then also only that 10% in lower risk defensive investments there as well. That's things like cash, bonds, and fixed interest. So you really realistically are taking a little bit more risk in the market to obtain greater potential returns when the market is performing. Yeah. Did you feel like you should be maybe reducing the risk level? Do you wanna maybe look at considering that a little bit? Yeah. No. I'm going to reduce it. No. Because when Americans come back, they'll come up stronger again. Yeah.","start_word":1217,"end_word":1509,"sentiment":"neutral","sentiment_score":0.04164641517065084},{"text":"Absolutely. And, look, you've come out with a positive return this year, so that's not actually too bad.","start_word":1510,"end_word":1527,"sentiment":"positive","sentiment_score":0.6006884574890137},{"text":"A lot of super funds out there this year have had a lot of struggling. A lot of markets have been very down, so you have still had a positive return. Even without contributions, the other thing to think about and remember is that your contributions are going into SeaBus.","start_word":1528,"end_word":1577,"sentiment":"neutral","sentiment_score":0.1295536607503891},{"text":"So that's helping your SeaBus account along. Hub twenty four, that 5% return, which is a as a dollar figures of return a bit over $13,900, that's just the growth and the dividends that the portfolio has produced on its own, which is being reinvested back into the portfolio. So a 5% return and a $13,000 return with growth in income with no contributions is actually not a bad return for the market.","start_word":1578,"end_word":1650,"sentiment":"positive","sentiment_score":0.416113793849945},{"text":"Yeah. There's no no kind of assistance there for your portfolio. It's just what it's doing on its own. And, admittedly, understandably, you probably wanna see more out of that, but it is also a long term investment. There's no such thing as a get rich quick scheme. It's about making sure you're getting consistent returns over time and compounding that towards your retirement goals. Does that Yeah. make sense? He Yeah. does. Yeah.","start_word":1651,"end_word":1724,"sentiment":"neutral","sentiment_score":0.19449298083782196},{"text":"Beautiful. Beautiful.","start_word":1725,"end_word":1726,"sentiment":"positive","sentiment_score":0.540461540222168},{"text":"I never wanna lie to you or be dishonest there, but it is really important that we focus on the long term aspect of of super. And I know you do have two funds at the moment there. I have had a look at your portfolio, and there's definitely some advice I can look at. I can go back and review the super fund as well as the investments within that for you.","start_word":1727,"end_word":1799,"sentiment":"neutral","sentiment_score":0.22353260219097135},{"text":"I'd love to update the advice and maybe make some changes to your portfolio to keep it working harder for you if you're comfortable with me doing so.","start_word":1800,"end_word":1827,"sentiment":"positive","sentiment_score":0.43061235547065735},{"text":"Oh, yeah. Definitely whatever helps. Yeah. I'm Yeah. all alone. All oh, good. All good. And, look, honestly, Dammit, you don't have to be high growth if it's not comfortable for you. So if at any point you find that you are not comfortable with those ups and downs in the market, admittedly, when your balance increases, you are definitely gonna feel those a lot more as well. So if you think about someone with $50,000 in sleep when they get a five percent return, that 5% return is much lower. Whereas someone with $5,500,000 in super, that same 5% return makes a much greater effect for them. So please let me know if you start to feel nervous with the market ups and downs, and we can always start to reduce your risk level. Yeah. I would be looking at the high growth environment generally suits someone who's about eight years away from accessing their super. So when you kinda get to that, you know, seven to eight year time horizon, I would definitely be asking and trying to pull you back a little bit as well. That way, we're sort of not taking too much risk as you get closer and closer to your retirement. Does that make sense? It does. Yeah. Yeah. Yeah.","start_word":1828,"end_word":2043,"sentiment":"neutral","sentiment_score":-0.11253556609153748},{"text":"All good.","start_word":2044,"end_word":2045,"sentiment":"positive","sentiment_score":0.3385573625564575},{"text":"Do you have further questions from any of that? Is there any questions that have come out of the conversation so far at all? No. But yeah. Whatever improvements you can make. Yeah. I'm all Yeah. up for and That's yeah.","start_word":2046,"end_word":2086,"sentiment":"neutral","sentiment_score":0.12621137499809265},{"text":"perfectly happily to do that for you.","start_word":2087,"end_word":2093,"sentiment":"positive","sentiment_score":0.5357789993286133},{"text":"Not a problem at all.","start_word":2094,"end_word":2098,"sentiment":"neutral","sentiment_score":0.30191323161125183},{"text":"Excellent.","start_word":2099,"end_word":2099,"sentiment":"positive","sentiment_score":0.5543944835662842},{"text":"Now the other thing I just wanted to sort of bring out there was obviously your insurances. So we had retained your fee bus back when you came on board originally. I believe you have lupus. Is that right? Yeah. That's why we said we're Yeah. Yeah. Can I ask how is everything going with your lupus? Has it Seabass. sort of flared up? Have you had any symptoms or had any time off work with regard to the condition? No. It's all good. Yeah. All No. good. All all good. Happy. When was the last time that you had a flare up? When I first got it, I didn't know what it was and went to the doctor's couple Oh, yeah. yeah. Yeah. And that's when they diagnosed you, and you've not really had any ongoing symptoms there since, which is good. No. I'm all good. Thanks. Yeah. Touch wood.","start_word":2100,"end_word":2250,"sentiment":"neutral","sentiment_score":0.01761847236101201},{"text":"Excellent. Excellent. Excellent.","start_word":2251,"end_word":2253,"sentiment":"positive","sentiment_score":0.3685756921768189},{"text":"So the main reason, obviously, for retaining C Bus was due to the lupus there. With your life cover, if you think about the insurances you have at the moment, if you were to pass away today within c bus there, your life cover currently pays out a benefit of 52,000. Now if you think about how life cover is structured, if you did and this is hypothetical. I would love. I don't want anything to happen to you. But if you were to pass away, your beneficiaries could claim the life cover of 52,000, but then also your super benefit can be paid out on top of that as well. So if we think about that, you've got $203,007.37, 26,028 in c bus, and then 52,000 of life cover. Theoretically, based on your current circumstances, your beneficiaries could receive about 281,675. Do you feel between your insurances and your super that that is a preferred benefit, or would you like to maybe look at trying to obtain something a little bit different? What's your thoughts? How would you mean obtain something different? Well, I can go back. I know if you have had your lupus for a long period of time and you haven't had any symptoms or flare ups, I could go out to the market and see if we're able to obtain any top up cover for you, increase the level of cover you have to make sure it aligns with your goals, or see what I can do with the cover that you've got. Would that cost me extra on my super or what would It would. Yeah. So if you're increasing your insurance cover, it does the premiums do tend to go up because you're paying for the extra cover. You have options where you can pay for it personally if you prefer not to have it coming out of your super, But most people hold insurances and hold them inside super so they're not having to pay those premiums out of their back pocket.","start_word":2254,"end_word":2593,"sentiment":"neutral","sentiment_score":0.01811975166201591},{"text":"In saying that if you're happy with the level of cover you have and it meets your goals that you don't wanna review it, that's absolutely fine.","start_word":2594,"end_word":2620,"sentiment":"positive","sentiment_score":0.42327937483787537},{"text":"I just wanted to sort of see what what you would like to see, what level of cover is appropriate to you, and see what I can do to help you there. I'll just leave it as is for now. Leave it as is? Yeah.","start_word":2621,"end_word":2665,"sentiment":"neutral","sentiment_score":0.11327236890792848},{"text":"Beautiful. Yeah. Excellent.","start_word":2666,"end_word":2668,"sentiment":"positive","sentiment_score":0.4905173182487488},{"text":"And now you've also got some total permanent disability. Do you know and understand how TBD works or what total permanent disability covers and how it pays out? Not really. No. No. That's okay. So TBD is a disability cover. It pays out either a lump sum benefit or an income stream in the event that you're totally incapacitated, say, you broke your back and could never go back to work again as an example. TBD, the level of cover you have is 26,000. So Yes. if in the event of a claim, you could claim the 26,000 from Cbus. It's important that I let you know, unfortunately, TBD is actually a taxable payment. So if you were under 60 and you claimed TBD, we can also release or get access to your super to release that benefit. But then if you take the whole amount out, you can be taxed at up to 22% depending on a few factors there. Do you feel like the level of cover you have is appropriate for TBD? Did you wanna look at trying to get something a little bit different, or do you have any questions in relation to what I've just gone through? No. No. It's all good with that yet. Yeah. You happy with that? That's okay. Do you have any questions, Dermot? I know some people hear that and go, oh my god. Is there is there anything you wanted to ask me or have me clarify further for you in relation to it?","start_word":2669,"end_word":2923,"sentiment":"neutral","sentiment_score":-0.0033222553484580095},{"text":"Not not not not doing good.","start_word":2924,"end_word":2929,"sentiment":"negative","sentiment_score":-0.437852144241333},{"text":"That's that's okay. Now there are other types of personal insurance that I do have to touch on for you. So you don't have any income protection. How would you do you have much in the way of sick leave, annual leave, or savings that you could fall back on if you weren't able to go to work in the short term? How would you cover your expenditure if you weren't able to go to work? Yeah. Absolutely. But yeah. Hold this and Yep. all that.","start_word":2930,"end_word":3015,"sentiment":"neutral","sentiment_score":-0.04884698614478111},{"text":"Excellent.","start_word":3016,"end_word":3016,"sentiment":"positive","sentiment_score":0.4171254634857178},{"text":"And you've got plenty of sick leave, annual leave, and a long service leave? Yeah. Yeah. Yep.","start_word":3017,"end_word":3033,"sentiment":"neutral","sentiment_score":0.14031381905078888},{"text":"Beautiful. Excellent.","start_word":3034,"end_word":3035,"sentiment":"positive","sentiment_score":0.47375547885894775},{"text":"And you're happy not worrying about income protection there at all? Not for now. No. No. That's okay. That's absolutely fine. If at any point you decide that you wanna have that conversation in more detail, please let me know. You're not limited to one review a year. If you wanna have more conversations or do you want more catch ups, please let me know. Okay? Yep. Yep. Excellent. No. Fantastic. Now there are other types of covers like trauma and child trauma. I'm looking at your circumstances here. You do have some dependent children. Is that right? Yeah. With one. One One? charge. How how old? 17. 17? Wow. How were the Yeah. teenage years? Oh, she's been pretty good now. Fair enough.","start_word":3036,"end_word":3159,"sentiment":"neutral","sentiment_score":0.039252154529094696},{"text":"Oh, fantastic. That's great. Excellent.","start_word":3160,"end_word":3164,"sentiment":"positive","sentiment_score":0.3730164170265198},{"text":"Yeah. So there are other types of personal insurances that you can obtain. Given your child is slightly older than the entry age, their child trauma wouldn't really be an option. But you can cover yourself for additional type of, like, traumatic illnesses like cancer, heart attack, stroke, certain neurological conditions by obtaining a certain level of trauma cover. Trauma does have to be paid outside of super. Are you open to looking at any additional cover outside of what you already have that may provide benefit in the event of a major diagnosis? No. Not at the moment. No. No. That's okay. Beautiful. Do you have any questions about the insurance aspect or anything I've kind of told you today just to sort of clarify? No. I'm happy enough. No. No.","start_word":3165,"end_word":3296,"sentiment":"neutral","sentiment_score":-0.021535120340007725},{"text":"Excellent. Fantastic.","start_word":3297,"end_word":3298,"sentiment":"positive","sentiment_score":0.5456007719039917},{"text":"Just running through a couple of additional circumstances there for you. Now I've got down here that, Christine, I believe, sorry, is your wife is your next of kin. That's all still okay? Still married? Yeah. Yep. Yeah. Yep.","start_word":3299,"end_word":3337,"sentiment":"neutral","sentiment_score":0.12241028994321825},{"text":"Beautiful.","start_word":3338,"end_word":3338,"sentiment":"positive","sentiment_score":0.34802258014678955},{"text":"Income wise, you were on about a 112,000 when we caught up last time. Has your income increased? Have you been lucky enough to get a a pay rise at all? Yeah. It's about a 140.","start_word":3339,"end_word":3374,"sentiment":"neutral","sentiment_score":0.042917147278785706},{"text":"Oh, fantastic. Excellent. Well, Well, that's congratulations.","start_word":3375,"end_word":3381,"sentiment":"positive","sentiment_score":0.39811766147613525},{"text":"that's what that's where the overtime and everything. Yeah. Overtime. Yeah. Beautiful. And do you do quite a lot of overtime? Yeah. We're doing a better, but yeah. Yeah. Yeah. Yeah. Beautiful. Are you finding that you're able to save much out of your income on a regular basis, like, on a weekly or fortnightly basis, or is all of your income kinda going towards your family expenses? No. We're saving a bit. Yeah. Yeah. You are saving? If you had to put it into a dollar figure, how much would you say you would save? Wouldn't have a clue to missus who's looking after all that. She's a good seller, isn't she? I was just popped down here that you're not really sure. That's absolutely fine. Now to sort of if there was an option to kind of help provide a boost to your sofa, would you be open to making additional contributions, salary sacrifice, and things like that to help your super grow towards your goals, or would you prefer not? What's your thoughts with that? Probably not at the moment. Yep. That's okay. Not a problem at all. Beautiful. And I've got your assets notice. Your main primary residence, we had a value on that of about 1,400,000 last year. What kind of value would you put on your house now do you think? It's probably similar. One point Yep.","start_word":3382,"end_word":3614,"sentiment":"neutral","sentiment_score":0.042182443063914006},{"text":"Beautiful.","start_word":3615,"end_word":3615,"sentiment":"positive","sentiment_score":0.5539982318878174},{"text":"And we had a loan owing on the property of about 500,000. Have you been able to reduce that since then? 5. No. Still the same. Still the same? That's okay. We also had your boat down here with a value of 30,000. Would you still value your boat about the same? Similar. Yeah. Similar? Yeah. Do you get out very often? No. Not enough. Not enough. And I've also got your Hilux here as well. Asset value of 20,000. Would you keep that the same or alter that valuation? Probably 15. Yeah. 15? Yeah. Absolutely.","start_word":3616,"end_word":3711,"sentiment":"neutral","sentiment_score":0.0019076629541814327},{"text":"Beautiful.","start_word":3712,"end_word":3712,"sentiment":"positive","sentiment_score":0.475366473197937},{"text":"And then we've also got a Volkswagen here as well with a value of 56,000 on it. How would you value your Volkswagen? Yeah. Probably Sam as well. Just yeah. Probably party. 40? Beautiful. Yeah. And we had a loan owing on that of about 35,000. Have you reduced the loan a bit? Apparently so. Yeah. Yeah. Not sure how much is on us. No. That's okay.","start_word":3713,"end_word":3779,"sentiment":"neutral","sentiment_score":0.05227937549352646},{"text":"Beautiful.","start_word":3780,"end_word":3780,"sentiment":"positive","sentiment_score":0.3884459137916565},{"text":"And any other assets do you have? Any other shares, cryptocurrency, collections, or anything else of value that you would sorta note down? No. No. No. All good. Any credit cards or personal loans or any other liabilities? No credit cards. No. No. That's okay. Another thing to think about that a lot of people don't sorta note down as an asset is more like contents. Because, theoretically, we, you know, we go back and we insure our contents for if anything was to happen. And if you did need money quickly, you would be selling things off to try and liquidate to get cash fast. Do you have a contents insurance on your property that you're aware of? Yeah. I think we do. We owe up to $60. About 60,000 in value?","start_word":3781,"end_word":3913,"sentiment":"neutral","sentiment_score":-0.008619957603514194},{"text":"Beautiful.","start_word":3914,"end_word":3914,"sentiment":"positive","sentiment_score":0.3521672785282135},{"text":"Yeah.","start_word":3915,"end_word":3915,"sentiment":"neutral","sentiment_score":0.2361300140619278},{"text":"Excellent.","start_word":3916,"end_word":3916,"sentiment":"positive","sentiment_score":0.4667307734489441},{"text":"A lot of people don't think about contents as a bit of an asset, but it is considered still technically an asset.","start_word":3917,"end_word":3938,"sentiment":"neutral","sentiment_score":0.1343076527118683},{"text":"That's absolutely fine.","start_word":3939,"end_word":3941,"sentiment":"positive","sentiment_score":0.4146452844142914},{"text":"The other thing to sort of look at here is the estate planning side of things. Now from what I can see, you don't have a will or power of attorney or sort of guardianship documents in place there. Have you ever spoken you you like, you and your wife ever had that conversation and talked about doing your estate planning and seeing a solicitor for those services? We're yeah. I need to do it. It's on the list, is it? Yes. Yeah. That's okay. So with your beneficiary side of things at the moment, it does look like having a look at what I've got. Your super beneficiary for your hub 24, you have it noted as a 100% to Christine for your spouse in the event of something happening. That sounds fairly appropriate given that you are married, but that is correct in how you prefer that to be nominated. Yeah. Yeah. Yep.","start_word":3942,"end_word":4096,"sentiment":"neutral","sentiment_score":0.0973929405693085},{"text":"Beautiful.","start_word":4097,"end_word":4097,"sentiment":"positive","sentiment_score":0.5403850078582764},{"text":"I'm just double checking. So with Cbus there, we have 99% directed to Christine as your wife, and then we have 1% to Noah. Is that how Yeah. That's my mother's name. sorry. I think I said my apologies. Nora. Is that right? Yeah. No. Right. Yeah. Yeah. That's my mother's And name. it's Yeah. right. Because it says his son, so it's being ticked off as a child. No. That's my mother's name. Okay. So, realistically, the beneficiary within CBAS doesn't look like it has been nominated correctly.","start_word":4098,"end_word":4186,"sentiment":"neutral","sentiment_score":-0.049607034772634506},{"text":"Therefore, the the nomination technically would be invalid if at the time of claim.","start_word":4187,"end_word":4200,"sentiment":"negative","sentiment_score":-0.35602837800979614},{"text":"To kind of go through, when you are nominating a beneficiary, there are legislative requirements that you have to follow. So Yes. theoretically realistically, under legislation, your mom doesn't really qualify as a person who can receive the benefit. Under legislation for being a beneficiary, it can only be nominated to your children, your wife or spouse, someone who lives with you and relies on you financially. So your mom could be nominated if she is an independent person or lives with you. You sort of supply and look after her and pay for her bills, she has to rely on you financially to be considered a dependent, essentially. Does she qualify as a dependent based on that? No. Probably not. No. No. No. That's okay. We can set up a couple of different ways. So if you wanted to have her nominated as part of your beneficiary, you would need to direct the portion that you wanna pay to her through your estate, so through your will. We do that by essentially taking a legal personal representative, and that means that if you pass away, the percent of your your super that you've nominated to be paid to your legal personal representative goes into your will. And then in the body of your will, that needs to be directed to your mom nice and clear as to how much or what percentage goes to her directly. The other part of your nomination known as Chrissy, your wife, that is still valid, and you've noted a 100% here. The other option Yep. is if you just want everything to go to your wife, you can nominate her for a 100%. But at the moment, the c bus beneficiary nomination, unfortunately, is considered invalid. And if you were to be passed away, your wife could follow through with her part of it, but your mom would essentially be declined if she went to claim on that, which could be not preferable given the circumstances if she lost her son and, you know, she was trying to claim on that benefit to look after herself. Did you want us to help you update that? Yeah. Just update it to Chrissy if you can. Yeah. Absolutely. Are you comfortable with us pre filling that nomination for you to Yep. make it easier? Yeah. Yep. Yep.","start_word":4201,"end_word":4592,"sentiment":"neutral","sentiment_score":-0.008133773059983338},{"text":"Beautiful.","start_word":4593,"end_word":4593,"sentiment":"positive","sentiment_score":0.596095085144043},{"text":"And speaking to your wife as well, like, definitely have that conversation around the estate planning, setting up a will of have attorney, things like that. That is really important to make sure that everything you've worked really hard for. You're working phenomenal hours, and you're working overtime, and you've got your house and all your savings, new cars, and things like that. So if anything was to happen to you, having a will in place is really important to protect everything that you've worked so hard for. And, Yes. also, having a power of attorney in place and nominating someone to make financial and or medical decisions on your behalf in the event that you're not able to is also really important to do. And making sure they know what or how you would want them to act on your behalf in the event of something occurring to you. It's not an easy conversation to have, Sam, but it is definitely an important one to think about. Yeah. Alright. Yeah. We will do. Yeah. We'll look into All go it.","start_word":4594,"end_word":4774,"sentiment":"neutral","sentiment_score":0.1523761815129064},{"text":"oh, good. Fantastic. Everything looks like it's pretty well on par for the moment.","start_word":4775,"end_word":4788,"sentiment":"positive","sentiment_score":0.4683004915714264},{"text":"Now just confirming, occupation wise, you're a plant operator in civil construction. Is that still correct? Yeah. Yep. Yeah.","start_word":4789,"end_word":4807,"sentiment":"neutral","sentiment_score":0.07588949799537659},{"text":"Beautiful. Excellent.","start_word":4808,"end_word":4809,"sentiment":"positive","sentiment_score":0.5647803544998169},{"text":"And just sort of looking at because I'm gonna update your super and go back and reassess everything for you. I'll look at the hub 24 and the c bus, look at how everything's invested, make sure it's all in line, and make some updated recommendations there for you. Looking at your goals now, are you kind of hoping to be able to access super as the earliest available opportunity, or what age do you think you'll hope to retire and fully access super? Not sure. Probably. Yeah. 67. Yep. Probably 67. Yeah. Is that the age that you're assuming you're able to under the law, or is that just the age you would wanna access it? I think that's is that the age you're able to say? Well, I can give you some good news because you can actually if you fully retire at the age of 60 within, you know, intention of retiring, you can access your super at that age. That's preservation age now. If you work through to 65, regardless of whether you're working or not, they will then allow access to your super. And age 67, if you're eligible, is the age that you can apply for the age pension through Centrelink, essentially. Okay. Yeah. How much is Yeah. the pension? At the moment, I can double check for you. Because it's just about to possibly go up. It is indexed twice a year. At the current rate for a couple combined, it's $1,800. A single person gets 1,290, and if one person's eligible and the other person isn't, it's about $905 per fortnight. Okay. Yep. Yeah. So, realistically, the way I sort of try to work it with a lot of my older clients is when they get to that age of accessing the age pension, we try to apply for as much as we possibly can, and then we supplement that with super.","start_word":4810,"end_word":5129,"sentiment":"neutral","sentiment_score":0.12454399899579584},{"text":"So you're getting a little bit from the age pension, a little bit from super, and that's hopefully gonna get longevity out of your super and make it last as long as possible for you.","start_word":5130,"end_word":5164,"sentiment":"positive","sentiment_score":0.4154106378555298},{"text":"Yeah. Okay. Yep. Yep. No. Yeah. Let's see.","start_word":5165,"end_word":5172,"sentiment":"neutral","sentiment_score":0.057105712592601776},{"text":"Fantastic.","start_word":5173,"end_word":5173,"sentiment":"positive","sentiment_score":0.4902868866920471},{"text":"Do you think age 60 still preferable, or did you want me to work on an earlier age for you for accessing your super as a goal? Probably not for Keep now. It's the closest at that time. eight sixty seven. Not a problem at all.","start_word":5174,"end_word":5219,"sentiment":"neutral","sentiment_score":0.017121339216828346},{"text":"Beautiful.","start_word":5220,"end_word":5220,"sentiment":"positive","sentiment_score":0.531261682510376},{"text":"And sort of thinking, Ward, do you have any other goals that you're looking to sort of achieve? Not at the moment. No. No. No. That's okay. No other investments that you're looking to sort of grow or build? You're just sort of working and looking at your super and maybe access some age pension in the future as well? Yeah. Probably not this Yep. That's okay. That's absolutely year. fine. And I'm just reconfirming. So just to reconfirm and make sure I've got everything covered for you, I'll go back and reassess your supers, the investments, and see how they're working, look at you know, updating the recommendations to make sure they're working as hard as possible for you.","start_word":5221,"end_word":5340,"sentiment":"neutral","sentiment_score":0.08332008123397827},{"text":"You're happy to retain the life and TPD you have now.","start_word":5341,"end_word":5351,"sentiment":"positive","sentiment_score":0.545157253742218},{"text":"We're not looking at any additional insurances and the estate planning side of things. Just making sure your beneficiaries are nominated so that your wife receives a 100% of the benefit you were to pass away. Am I on the right track? Have I missed anything at all? No. I think it's pretty close Oh, there now. Yeah.","start_word":5352,"end_word":5409,"sentiment":"neutral","sentiment_score":0.11950704238602314},{"text":"Pretty good. fantastic. Lovely.","start_word":5410,"end_word":5413,"sentiment":"positive","sentiment_score":0.711643397808075},{"text":"The only other goal I wanted to touch on was your mortgage. Are you hoping to sorta have that fully paid down by the time you hit retirement, or are you sorta not worried just chipping away at it through the years? Hopefully, chip away. Hopefully, it'll be paid off by then with fourteen more Yeah. year.","start_word":5414,"end_word":5470,"sentiment":"neutral","sentiment_score":0.0415835864841938},{"text":"Beautiful.","start_word":5471,"end_word":5471,"sentiment":"positive","sentiment_score":0.47225475311279297},{"text":"Fourteen more years to go.","start_word":5472,"end_word":5476,"sentiment":"neutral","sentiment_score":0.2957552969455719},{"text":"Excellent. Well, you're still nice and young.","start_word":5477,"end_word":5483,"sentiment":"positive","sentiment_score":0.5562631487846375},{"text":"Don't ever think that you're too old. And within that fourteen years, you've got plenty of time to pay your mortgage down and build your super up. Yep. Yep. Oh, goddamn it. The last thing to kinda let you know is in that email DocuSign there, we do have essentially the ongoing services agreement for the twelve months there. So for us to remain as your servicing adviser and provide advice and help you along, we do need you to sign and return that back. Our fee structure essentially has been the same for the last few years. It's been 1.65% per annum. We have recently updated that. So, essentially, with your with the fee structure now, it's a tiered structure. So when your balance hits 200,000 as it has as it has now, it does mean that you tip over into the next tier. So balance is up to 200,000. You pay 1.65 percent per annum. When your balance goes over into the next tier, it drops down to 1.375. So each tier that you drop down as your balance increases, we actually reduce the percentage of the tier. So the fee structure won't be sort of fluctuating as much, and we set it as a dollar figure to give you more clarity around the fee for the year. I'm just pulling up the ongoing service agreement for you in this document. So it essentially shows based on your balance, this year's ongoing service fee is expected to be 3,518 and 96<unk>. It used to be that it used to fluctuate with the market. So if you received, you know, a lot of contributions and or, you know, 20% return, our fee would increase with that. Our fee no longer happens. It is a set dollar figure fee based on the percentage you're on, so you'll never pay more than what you've actually been quoted there. Okay? Okay. Yep. Yep. Yeah. The idea is that we do have to with the essentially, with the cost of advice, we do have to charge a fee for our services for the research, the advice we provide in keeping you on track for your retirement. But we also wanna make sure that as your balance increases, that the tier you're in decreases a little bit. So as your balance increases, the percentage you pay on your ongoing service agreement will start to decrease a little bit for you to sort of provide more benefit. And instead of just giving you an estimate, we do it as a set dollar figure fee now so that it will be consistent.","start_word":5484,"end_word":5919,"sentiment":"neutral","sentiment_score":0.09020038160982484},{"text":"It gives you more clarity around how much you're going to certainly pay.","start_word":5920,"end_word":5932,"sentiment":"positive","sentiment_score":0.4003198146820069},{"text":"It still includes any additional advice that we're providing with regard to your super. So we're not there's no implementation fees for this additional advice. It's all part of our services, part of that ongoing service agreement. Does that make sense? Do you have any questions? Yeah. That makes sense. How much Yep.","start_word":5933,"end_word":5985,"sentiment":"neutral","sentiment_score":0.1836729794740677},{"text":"Beautiful.","start_word":5986,"end_word":5986,"sentiment":"positive","sentiment_score":0.3742499351501465},{"text":"Yeah. yeah. Yeah. Yeah. Yep. Well, what I'll get you to do, if you're comfortable and you would like the advice provided this year, we do have to get you to sign the service agreement so as to be able to provide the advice and assist you moving forward. If at any point you choose to not sign the agreement and don't wish to seek advice, it's fine. It just means that you'll be needing to look after your super and the insurances and decide whether you kind of roll them back or retain the hub, making sure that you're aware of the risk level and the investments and how everything is set up. The benefit to having an adviser is that we do review things regularly for you, update the advice, and clarify the risk levels. So at the moment, you told me you're happy to stay in that high growth environment there. You wanna take that greater risk for the greater potential returns. But down the track, you may not be comfortable taking those sorts of risks. And one of what one of the things that we do aside from updating advice and changing things for you is making sure that we can determine when that time is to reduce that risk level and help you to reduce that in line with your goals and needs so that when you get to retirement, you're not sitting in a year out and seeing a, you know, a 40% major dip on your super. The idea is we're trying to protect your capital by that point and reduce the risk level so you're not going into retirement after seeing a big 40 or 50 or 60% dip like the GFC kinda source.","start_word":5987,"end_word":6278,"sentiment":"neutral","sentiment_score":0.07147082974751519},{"text":"So there are those advantages there. Obviously, we wanna make sure your returns are working for you, and that is a big factor.","start_word":6279,"end_word":6301,"sentiment":"positive","sentiment_score":0.3786519169807434},{"text":"The whilst you did receive a 5% return this year, that is net. That's after our fee came out. So that's what you know, you still made $13,000 after our ongoing service fee.","start_word":6302,"end_word":6334,"sentiment":"neutral","sentiment_score":0.19282522797584536},{"text":"So you did make enough out of your super for our services, plus additional growth there that was compounding for your super. So it is definitely working.","start_word":6335,"end_word":6361,"sentiment":"positive","sentiment_score":0.45697665214538574},{"text":"If at any point I find there's no value to it or you find there's no value to it, you're welcome to let me know, and we'll happily turn it off for you and seize our services. But, if you are wanting the advice this time around, I will need you to sign and return that back there for me. Okay? Yep. No worries. Yep.","start_word":6362,"end_word":6426,"sentiment":"neutral","sentiment_score":-0.06593874841928482},{"text":"Excellent. I I easy.","start_word":6427,"end_word":6430,"sentiment":"positive","sentiment_score":0.4806405305862427},{"text":"I also just wanna clarify. Would you like me to do a catch up with you in the next few months as well just to sort of provide a little bit more value and, yeah, a little bit more clarity on what's happening with your super moving forward? Did you wanna catch up every sort of three or six months? What would you like to see, damn it? Maybe six months. Yeah. Six months? Yeah. That brings us to about February. That'd be okay? Yep. That's what Yeah.","start_word":6431,"end_word":6518,"sentiment":"neutral","sentiment_score":0.0978052020072937},{"text":"Beautiful.","start_word":6519,"end_word":6519,"sentiment":"positive","sentiment_score":0.4941723942756653},{"text":"What I'll get you to do is when you got some time signed and I'm return that yeah. document back there, I'll get been stuck into the research. My team will give you a callback in a few weeks and rebook the time to go through the updated advice.","start_word":6520,"end_word":6568,"sentiment":"neutral","sentiment_score":0.16101939124720438},{"text":"We'll get those changes in place and get things working a little bit for you, and then I'll make sure I do some catch ups with you down the track to keep you on track and make sure things are working hard for you.","start_word":6569,"end_word":6612,"sentiment":"positive","sentiment_score":0.3639262318611145},{"text":"Does that sound okay? Yep.","start_word":6613,"end_word":6617,"sentiment":"neutral","sentiment_score":0.1739169806241989},{"text":"Sounds perfect. Yep. Beautiful. Look. Thank Perfect. you so much.","start_word":6618,"end_word":6627,"sentiment":"positive","sentiment_score":0.6703743934631348},{"text":"I apologize for the time.","start_word":6628,"end_word":6632,"sentiment":"neutral","sentiment_score":0.23534080386161804},{"text":"I've taken up way too much of your time, but I appreciate your time today to go through things. I look forward to putting this advice together for you. And if you have any questions, you are welcome to let me know at any point.","start_word":6633,"end_word":6677,"sentiment":"positive","sentiment_score":0.49947911500930786},{"text":"Okay?","start_word":6678,"end_word":6678,"sentiment":"neutral","sentiment_score":0.31136906147003174},{"text":"Perfect. Cheers for your help. No worries, Dermot. You have a great day.","start_word":6679,"end_word":6691,"sentiment":"positive","sentiment_score":0.7178478837013245},{"text":"Don't work too hard.","start_word":6692,"end_word":6695,"sentiment":"neutral","sentiment_score":0.17883138358592987},{"text":"Same as thank you. Thank you. See you later.","start_word":6696,"end_word":6704,"sentiment":"positive","sentiment_score":0.5752293467521667},{"text":"Bye.","start_word":6705,"end_word":6705,"sentiment":"neutral","sentiment_score":0.2799259126186371}],"average":{"sentiment":"neutral","sentiment_score":0.09549972766736602}}}}