{"metadata":{"transaction_key":"deprecated","request_id":"01a0895d-0d2a-72e1-84b0-e521177af5b0","sha256":"8f6e83e29b7cf424d0c9497b11ffd7615ca2acf17356df4ddbb82c1cdcd5b3ba","created":"2026-09-10T03:29:33.944Z","duration":1544.688,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5204,"output_tokens":92},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5805,"output_tokens":5817},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5805,"output_tokens":494}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Michelle. It's Tommy here, senior adviser from OQ. How are you doing? I'm just giving you a call to go through your annual review if you still have some time. Amazing. Amazing. Just before I dive into it, I've got a bit of an email pack to send out to you, and I'll just go through a quick security check with you if that's okay. Perfect. We have a client password on file if you recall what that is. Correct. That's right. Mother's maiden name. Amazing. And are you okay for the call to be recorded? Perfect. Perfect. Now I've got your Gmail account listed for the emails with Oakview. Will you be able to look onto the emails with me today, or shall I just walk you through what's coming through? Perfect. Before I go through that pack with you, I just wanted to update a few details because the team let me know that you've been on an income protection claim. I just, first of all, wanted to see how you're doing and if there was anything that you needed from us. Amazing. So it's been a bit of a trying nine months or so? Is that in terms of, like, the insurer and the doctors? Or oh. The joys and fun. Oh, no. Well, I'll try and make sure that we're the the least painful part of your your lunch at the moment. I'll pop this through to you. It won't take too long to go through. If this is your first time using our new system, it may go to your spam folder, though. Just a bit of a heads up. So I'm gonna pop that through now. And how did you find the claims experience? Because I know you've got a pretty decent income protection policy. Did it go through pretty smoothly, or was it a a long process? Yeah. Oh, good. So it sort of caught up on on the payments from the date of the claim start. That's fantastic. A couple of details that I'm gonna update today. I really just wanna get a a quick chat around your your goals that we've been tracking since becoming a client. Obviously, I understand that you're in a bit of a holding pattern returning to work at the moment, But we did have you having basically like a a northern star goal to try and retire as early as possible towards age 60 as soon as you can access it. So but does that still sound correct? Perfect. And we've got you and your partner on a bit of a staggered retirement because I think Gary is gonna retire within the next sort of three or four years or so likely? Perfect. We did have a couple of goals around this, obviously, going to England to visit some family, buying cars. Have you managed to sort of tick any of those off just yet, or are they still on the card? Yeah. Oh, yeah. Need an upgrade. Oh, cool. It seems like you're pretty well across the board debt free from what I can see as far as mortgage, car loans, and everything except for, obviously, rent service. Is that still okay? Perfect. Okay. So if you don't mind, can I just quickly update the assets that we have on file? So I've got the the home was valued at about 550,000 at Logan Reserve there. Do you know if that's jumped up a lot? I know the market's been a bit up and down lately. I'm just having a look at a quick online estimate, and they seem to think we're sitting at around 898,000, if that sounds okay for you. We did have a $25,000 car and a couple of smaller lower value cars as well. So you've got the the current one. Do you still have a couple of others floating around as well? Or Perfect. And we had about 18,000 in savings and about a thousand dollars in cryptocurrency. Yep. Yes. Perfect. And did you end up selling the cryptocurrency off at that time as well? Perfect. And you did mention before that the did you had a hearing aid loan and that's been paid off? So, like, under $1,000 kind of thing? Perfect. Thank you so much for that. Last couple of detailed update is just in terms of the the occupation. We we had you as a senior training officer, and I'm just wondering when you return back to work, will you be going back to that kind of $100,000 full time income? What does it look like? Yeah. So QSuper income protection at the moment, back to that same wage. Perfect. Thank you. And I think that's about it. We've got the two children over the age of 18. And just in terms of the state planning, did you put in place a will or a power of attorney since we last spoke? Perfect. And do you know if you included, like, a power an enduring power of attorney when you set that up? Oh, I'll get that updated. And we do have Gary listed as your beneficiary for the super. I'm assuming you still want him on there. K. Perfect. Perfect. Perfect. So the two main things to cover today is obviously the insurances just to make sure that they stay in force and then just to go through the superannuation together. Do you have any questions for me or anything to focus on outside of that? Awesome. Have you gotten that email that I've sent through to you with your review pack? Might be helpful with the visuals. So so with the new system, if you hit that blue sign button, it'll bring open five documents to scroll through with me, and I just wanna kind of walk you through what I'm seeing. Now first one, you should see the summary of super insurance with the o three letterhead, and you should be able to see that come 24 q super listed on there. Yeah. Perfect. Now with the q super so you're on the account protection claim at the moment. One thing that I would like to keep an eye on is that once you've returned to work, if they make any alterations to the policies, premiums, or anything like that, because it was definitely creeping up there in cost as well. So what I'm thinking is once you've returned to work, I might do I've already gotten the research, so thank you very much for assisting with that. I might just double check if they've made any changes to it. And, essentially, we just need to make sure we keep that in full. There is an option with q two, but they're pretty good if you can fill in a, like, a permanent opt in form. That means they'll never cancel the insurances even if it becomes inactive. But if you are just about to go back to work, the contributions will kick back in, and it will keep it active. So I wanted to run by you if you wanted to make it a 100% safe or just kind of leave it as is, let it go, contributions will keep it going, and there's no concerns in your end. Yep. Perfect. So the life insurance and disability, the income protection, leave those as is. There's no trauma cover on that. It has built up to 41,666, and your hub 24, I was just looking at it this morning, went from 357,000 to $4.35 since coming on board. So that's just under two and a half years. Now if you have a look at the buttons on that Odoo sign, there should be a button saying next document there. And I know this one's probably a little bit painful. It's a performance table with about a million figures on it if you can make any of these out. Mhmm. Now what I wanted to kind of show you was a couple things I'm looking at. So you're in a we call it like a growth risk profile. If this rings a bell that you've got about 80% in growth assets, like shares, property, and gold, and 20 percent in the state of side of things. Does that sort of ring a bell from when you came on board? Yes. So with the growth risk profile, normally, you wanna have around about seven to nine years as an investment time frame because it's slightly above medium risk. It's not high risk, but it's trying to get the primarily focusing on capital growth, obviously finish off the growth of your super. Now you need an average return of at least 9% to kind of justify the risk level that you're taking, if that makes sense. Your QSuper has had a decent ish year, but the last sort of five years or so, they haven't been able to get above 5% the last five years in that growth portfolio. So it's kind of dragging its feet a little bit, but the contributions are going in, which is boosting that up as well. The second page on that report, it brings it all down into one line item, and you should be able to see on the very right hand side the net return of the total hub portfolio. Excuse me. So 23% for the last sort of two and a bit years works out to be just over 10% after fees. So it's tracking quite nicely overall, about 95,000 worth of total growth, not including contributions. There is a couple of things I would like to fix up. I know you're you're obviously focusing on the return to work, but given what's happened with the the legislation around the property market, I don't know if you've seen what happened to Apple game tax and negative gearing. We are probably looking at replacing the property option within your portfolio. It has had some pretty solid growth, but it's starting to kind of drop quite quickly. And because it focuses on property companies, it's not doing as well as the actual property market is, which isn't doing the best either. K? The other one too is the Benelon option. Your Australian shares hasn't been doing too well. Every other option there has been hitting really high double digits. You've got, you know, gold and electric vehicles up 60%, which is amazing, but Benelon has dragged its feet. So I would be looking to replace that one as well. And the last one is the you've got two term deposit options, quite safe ones, but the government is kind of saving one of them out as a type of term deposit. So that'll happen over the next three years. So I just wanna get ahead of the curve and get that one updated as well. Now the question that I've got for you is so overall portfolio is doing well. The growth risk profile, we're sort of hitting those benchmarks. The two questions that I've got are, are you still okay with this idea of focusing on finishing off the last few years of growth to get as much as we can. And then maybe when you're a bit closer to retirement, we can start to reduce that risk level down to protect what you've built. Yeah. Mentioned before that sort of seven to nine year time frame. So what I'm sort of thinking is that if we get a good return next year, it might be a good time to start slowly reducing that down from the 80% to seventy, sixty, fifty, forty over about a seven year period. Cool? Yep. The only other question I had for you, and this is just purely because Hub twenty four has the most investment options in the industry. It's about 1,300 that we've been assessed through. We can replace some of these options with two different styles, and I really just wanted to see if you had, like, a a gut feeling or a personal preference between the two styles. Are you familiar with the terms active and passive? Cool. So we can replace, for example, that ban on option with a a lower fee passive option, or we can replace it with another active option that is a bit higher fee but tries to get a higher return. Which way do you lean between the two, Michelle? Yep. So what I basically need to do there is find a a like for like replacement for those that you do have. It is a bit of a blend of both, but I can we've already been researching some options there that I can do a comparison for. So what I'll basically do is I'll put together an updated statement of advice with you with some updated projections, and I'll include in there what I'm thinking of included. I do have to run it by you, of course, and and get your consent before we change anything. Perfect. The last two sort of questions on the super side of it is in terms of contributions, when you return back to work, do you want me to look at any type of salary sacrifice arrangement or just based off what work is putting in? Yep. Yes. That's the one I was thinking because most of the time when you set up that extra contribution plan, they they would have probably given you, like, a one or two page form, and it automatically defaults to the the non concessional. It's not the salary sacrifice or tax deductible version. It actually is more of a matter of reaching out to payroll because that form default to the kind of wrong type of contribution, and I think payroll can actually convert it over to salary sacrifice for you. So what I'm thinking, if you're okay to kind of when you go back to work, just reach out to them and say, hey. Are you guys able to switch this across? If you need any help, information, terminology, an email to kind of go off to that conversation, please let us know, and I can put something together. Cool. The last thing too, just in terms of the queue server, is we can leave the 41,000 in there to make sure the insurance premiums are paid. I would ideally like to move a small portion across into Hub to get it going a little bit quicker for you, but I can't move too much across because of the the amount the premiums are. I need to make sure there's no risk of the insurance as less. So what I'm sort of thinking is I'll do a bit of a cancellation in the updated plan for how much we can safely move across. It may only be about 10,000 or a little bit above, but are you okay with that idea if it works out well? Perfect. So we've got a bit of a plan for the super at the moment. The income will hopefully kick back in soon as well, which is great. Insurances to stay in force. Beneficiaries are fine. No will, no power of attorney. Anything else you can think of or any questions at this point? K. When it comes to an analysis of the retirement side of things, because you don't have that kind of decade plus to go, I'm gonna sort of give you an estimate on the income you could receive from the super to fund that retirement goal at 60. I would normally sort of factor in your partner's super joint assets, the things relating to settling. If you had that information on hand, I could grab a couple of details. If not, I can just base it on purely just your super. That's okay. I believe that just, honestly, based on your trajectory, contributions, and growth that you should be able to fully fund that initial goal you had with us of about 700 a week after tax purely and simply from the circle without relying on on the age pension. So I'll just put that in there, but just the caveat that it won't include anything to do with SendLink, just some general information. Cool. The other thing too, so in that pack that I've sent you, there's a couple of extra documents there. We have updated our service guide with a new FSG. So when you skip through those documents, you'll see a Vanguard chart, big red beautiful chart of the stock market, and then a service guide with our updated license information, all that kind of thing. If you can, on that service guide document, if you go down quite a few pages, I'm looking for the tiered fee structure for you because we've been we've updated our fee structure. When you get down to about the thirteenth page, you'll see another document in that same spot, very similar blue banner saying financial services guide rather than the Oakview services guide. Yep. Now if you go down one, two, three, four more pages, you'll see some tables there. So with the new fee structure, we've included discounts for clients who are above 200,000 and then further discounts above 500,000 on the percentage fee. So because you are sitting at $40.05, I believe sorry. 4 35, I've put in place the new fee structure for this twelve month consent form. And as soon as you go above that 500,000 at the next review, potentially, we would apply that next tier to it as well. So I guess my my closing question is, are you comfortable for us to continue looking after your super? From here, basically, I will get the research completed with the team over the next couple of weeks, put together your updated plan, and then I believe you would have spoken to Michelle previously for the review booking. She'll just get you booked in to run through that place with me. Amazing. Any questions for me before I let you go? In the interim, if there is any other assistance you need, if anything happens on the insurance side and you need any information or advice, please let us know. We'd be happy to help. But, hopefully, they they look after you and and get you back nice and smooth. Up. Absolutely. Michelle, I'll leave this pack with you. There's only one document to sign for the consent for Hub '24, and and then I'll be talking to you in a couple of weeks' time. Yeah. That's the one. So when you get to the bottom of that document, there's usually the buttons on the side to start, or you can actually just click on them. And what it will do is it'll stamp a signature and a date on that. If you would like to draw the signature, you just click on it a second time, and it will allow you to draw it just to match, you know, your ID and so on. At the end of that, there will be a validate button to send a signed copy to both yourself and to. And do bear in mind, it sometimes takes a minute or two to load. Once you hit validate, it may spin there for a good thirty seconds. So there's just a lot of pages that get uploaded. Perfect. So, Michelle, that has come through signed a lot. Thank you very much for doing that. You should get a pretty quick email with a signed copy for yourself as well. Perfect. Again, thank you so much for your time today. Is there anything else I can help with before I let you go? Perfect. I will talk to you in a couple of weeks. Thank you so much. 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afternoon, Michelle. It's Tommy here, senior adviser from OQ. How are you doing? I'm just giving you a call to go through your annual review if you still have some time. Amazing.\n\nAmazing. Just before I dive into it, I've got a bit of an email pack to send out to you, and I'll just go through a quick security check with you if that's okay. Perfect. We have a client password on file if you recall what that is. Correct.\n\nThat's right. Mother's maiden name. Amazing. And are you okay for the call to be recorded? Perfect.\n\nPerfect. Now I've got your Gmail account listed for the emails with Oakview. Will you be able to look onto the emails with me today, or shall I just walk you through what's coming through? Perfect. Before I go through that pack with you, I just wanted to update a few details because the team let me know that you've been on an income protection claim.\n\nI just, first of all, wanted to see how you're doing and if there was anything that you needed from us. Amazing. So it's been a bit of a trying nine months or so? Is that in terms of, like, the insurer and the doctors? Or oh.\n\nThe joys and fun. Oh, no. Well, I'll try and make sure that we're the the least painful part of your your lunch at the moment. I'll pop this through to you. It won't take too long to go through.\n\nIf this is your first time using our new system, it may go to your spam folder, though. Just a bit of a heads up. So I'm gonna pop that through now. And how did you find the claims experience? Because I know you've got a pretty decent income protection policy.\n\nDid it go through pretty smoothly, or was it a a long process? Yeah. Oh, good. So it sort of caught up on on the payments from the date of the claim start. That's fantastic.\n\nA couple of details that I'm gonna update today. I really just wanna get a a quick chat around your your goals that we've been tracking since becoming a client. Obviously, I understand that you're in a bit of a holding pattern returning to work at the moment, But we did have you having basically like a a northern star goal to try and retire as early as possible towards age 60 as soon as you can access it. So but does that still sound correct? Perfect.\n\nAnd we've got you and your partner on a bit of a staggered retirement because I think Gary is gonna retire within the next sort of three or four years or so likely? Perfect. We did have a couple of goals around this, obviously, going to England to visit some family, buying cars. Have you managed to sort of tick any of those off just yet, or are they still on the card? Yeah.\n\nOh, yeah. Need an upgrade. Oh, cool. It seems like you're pretty well across the board debt free from what I can see as far as mortgage, car loans, and everything except for, obviously, rent service. Is that still okay?\n\nPerfect. Okay. So if you don't mind, can I just quickly update the assets that we have on file? So I've got the the home was valued at about 550,000 at Logan Reserve there. Do you know if that's jumped up a lot?\n\nI know the market's been a bit up and down lately. I'm just having a look at a quick online estimate, and they seem to think we're sitting at around 898,000, if that sounds okay for you. We did have a $25,000 car and a couple of smaller lower value cars as well. So you've got the the current one. Do you still have a couple of others floating around as well?\n\nOr Perfect. And we had about 18,000 in savings and about a thousand dollars in cryptocurrency. Yep. Yes. Perfect.\n\nAnd did you end up selling the cryptocurrency off at that time as well? Perfect. And you did mention before that the did you had a hearing aid loan and that's been paid off? So, like, under $1,000 kind of thing? Perfect.\n\nThank you so much for that. Last couple of detailed update is just in terms of the the occupation. We we had you as a senior training officer, and I'm just wondering when you return back to work, will you be going back to that kind of $100,000 full time income? What does it look like? Yeah.\n\nSo QSuper income protection at the moment, back to that same wage. Perfect. Thank you. And I think that's about it. We've got the two children over the age of 18.\n\nAnd just in terms of the state planning, did you put in place a will or a power of attorney since we last spoke? Perfect. And do you know if you included, like, a power an enduring power of attorney when you set that up? Oh, I'll get that updated. And we do have Gary listed as your beneficiary for the super.\n\nI'm assuming you still want him on there. K. Perfect. Perfect. Perfect.\n\nSo the two main things to cover today is obviously the insurances just to make sure that they stay in force and then just to go through the superannuation together. Do you have any questions for me or anything to focus on outside of that? Awesome. Have you gotten that email that I've sent through to you with your review pack? Might be helpful with the visuals.\n\nSo so with the new system, if you hit that blue sign button, it'll bring open five documents to scroll through with me, and I just wanna kind of walk you through what I'm seeing. Now first one, you should see the summary of super insurance with the o three letterhead, and you should be able to see that come 24 q super listed on there. Yeah. Perfect. Now with the q super so you're on the account protection claim at the moment.\n\nOne thing that I would like to keep an eye on is that once you've returned to work, if they make any alterations to the policies, premiums, or anything like that, because it was definitely creeping up there in cost as well. So what I'm thinking is once you've returned to work, I might do I've already gotten the research, so thank you very much for assisting with that. I might just double check if they've made any changes to it. And, essentially, we just need to make sure we keep that in full. There is an option with q two, but they're pretty good if you can fill in a, like, a permanent opt in form.\n\nThat means they'll never cancel the insurances even if it becomes inactive. But if you are just about to go back to work, the contributions will kick back in, and it will keep it active. So I wanted to run by you if you wanted to make it a 100% safe or just kind of leave it as is, let it go, contributions will keep it going, and there's no concerns in your end. Yep. Perfect.\n\nSo the life insurance and disability, the income protection, leave those as is. There's no trauma cover on that. It has built up to 41,666, and your hub 24, I was just looking at it this morning, went from 357,000 to $4.35 since coming on board. So that's just under two and a half years. Now if you have a look at the buttons on that Odoo sign, there should be a button saying next document there.\n\nAnd I know this one's probably a little bit painful. It's a performance table with about a million figures on it if you can make any of these out. Mhmm. Now what I wanted to kind of show you was a couple things I'm looking at. So you're in a we call it like a growth risk profile.\n\nIf this rings a bell that you've got about 80% in growth assets, like shares, property, and gold, and 20 percent in the state of side of things. Does that sort of ring a bell from when you came on board? Yes. So with the growth risk profile, normally, you wanna have around about seven to nine years as an investment time frame because it's slightly above medium risk. It's not high risk, but it's trying to get the primarily focusing on capital growth, obviously finish off the growth of your super.\n\nNow you need an average return of at least 9% to kind of justify the risk level that you're taking, if that makes sense. Your QSuper has had a decent ish year, but the last sort of five years or so, they haven't been able to get above 5% the last five years in that growth portfolio. So it's kind of dragging its feet a little bit, but the contributions are going in, which is boosting that up as well. The second page on that report, it brings it all down into one line item, and you should be able to see on the very right hand side the net return of the total hub portfolio. Excuse me.\n\nSo 23% for the last sort of two and a bit years works out to be just over 10% after fees. So it's tracking quite nicely overall, about 95,000 worth of total growth, not including contributions. There is a couple of things I would like to fix up. I know you're you're obviously focusing on the return to work, but given what's happened with the the legislation around the property market, I don't know if you've seen what happened to Apple game tax and negative gearing. We are probably looking at replacing the property option within your portfolio.\n\nIt has had some pretty solid growth, but it's starting to kind of drop quite quickly. And because it focuses on property companies, it's not doing as well as the actual property market is, which isn't doing the best either. K? The other one too is the Benelon option. Your Australian shares hasn't been doing too well.\n\nEvery other option there has been hitting really high double digits. You've got, you know, gold and electric vehicles up 60%, which is amazing, but Benelon has dragged its feet. So I would be looking to replace that one as well. And the last one is the you've got two term deposit options, quite safe ones, but the government is kind of saving one of them out as a type of term deposit. So that'll happen over the next three years.\n\nSo I just wanna get ahead of the curve and get that one updated as well. Now the question that I've got for you is so overall portfolio is doing well. The growth risk profile, we're sort of hitting those benchmarks. The two questions that I've got are, are you still okay with this idea of focusing on finishing off the last few years of growth to get as much as we can. And then maybe when you're a bit closer to retirement, we can start to reduce that risk level down to protect what you've built.\n\nYeah. Mentioned before that sort of seven to nine year time frame. So what I'm sort of thinking is that if we get a good return next year, it might be a good time to start slowly reducing that down from the 80% to seventy, sixty, fifty, forty over about a seven year period. Cool? Yep.\n\nThe only other question I had for you, and this is just purely because Hub twenty four has the most investment options in the industry. It's about 1,300 that we've been assessed through. We can replace some of these options with two different styles, and I really just wanted to see if you had, like, a a gut feeling or a personal preference between the two styles. Are you familiar with the terms active and passive? Cool.\n\nSo we can replace, for example, that ban on option with a a lower fee passive option, or we can replace it with another active option that is a bit higher fee but tries to get a higher return. Which way do you lean between the two, Michelle? Yep. So what I basically need to do there is find a a like for like replacement for those that you do have. It is a bit of a blend of both, but I can we've already been researching some options there that I can do a comparison for.\n\nSo what I'll basically do is I'll put together an updated statement of advice with you with some updated projections, and I'll include in there what I'm thinking of included. I do have to run it by you, of course, and and get your consent before we change anything. Perfect. The last two sort of questions on the super side of it is in terms of contributions, when you return back to work, do you want me to look at any type of salary sacrifice arrangement or just based off what work is putting in? Yep.\n\nYes. That's the one I was thinking because most of the time when you set up that extra contribution plan, they they would have probably given you, like, a one or two page form, and it automatically defaults to the the non concessional. It's not the salary sacrifice or tax deductible version. It actually is more of a matter of reaching out to payroll because that form default to the kind of wrong type of contribution, and I think payroll can actually convert it over to salary sacrifice for you. So what I'm thinking, if you're okay to kind of when you go back to work, just reach out to them and say, hey.\n\nAre you guys able to switch this across? If you need any help, information, terminology, an email to kind of go off to that conversation, please let us know, and I can put something together. Cool. The last thing too, just in terms of the queue server, is we can leave the 41,000 in there to make sure the insurance premiums are paid. I would ideally like to move a small portion across into Hub to get it going a little bit quicker for you, but I can't move too much across because of the the amount the premiums are.\n\nI need to make sure there's no risk of the insurance as less. So what I'm sort of thinking is I'll do a bit of a cancellation in the updated plan for how much we can safely move across. It may only be about 10,000 or a little bit above, but are you okay with that idea if it works out well? Perfect. So we've got a bit of a plan for the super at the moment.\n\nThe income will hopefully kick back in soon as well, which is great. Insurances to stay in force. Beneficiaries are fine. No will, no power of attorney. Anything else you can think of or any questions at this point?\n\nK. When it comes to an analysis of the retirement side of things, because you don't have that kind of decade plus to go, I'm gonna sort of give you an estimate on the income you could receive from the super to fund that retirement goal at 60. I would normally sort of factor in your partner's super joint assets, the things relating to settling. If you had that information on hand, I could grab a couple of details. If not, I can just base it on purely just your super.\n\nThat's okay. I believe that just, honestly, based on your trajectory, contributions, and growth that you should be able to fully fund that initial goal you had with us of about 700 a week after tax purely and simply from the circle without relying on on the age pension. So I'll just put that in there, but just the caveat that it won't include anything to do with SendLink, just some general information. Cool. The other thing too, so in that pack that I've sent you, there's a couple of extra documents there.\n\nWe have updated our service guide with a new FSG. So when you skip through those documents, you'll see a Vanguard chart, big red beautiful chart of the stock market, and then a service guide with our updated license information, all that kind of thing. If you can, on that service guide document, if you go down quite a few pages, I'm looking for the tiered fee structure for you because we've been we've updated our fee structure. When you get down to about the thirteenth page, you'll see another document in that same spot, very similar blue banner saying financial services guide rather than the Oakview services guide. Yep.\n\nNow if you go down one, two, three, four more pages, you'll see some tables there. So with the new fee structure, we've included discounts for clients who are above 200,000 and then further discounts above 500,000 on the percentage fee. So because you are sitting at $40.05, I believe sorry. 4 35, I've put in place the new fee structure for this twelve month consent form. And as soon as you go above that 500,000 at the next review, potentially, we would apply that next tier to it as well.\n\nSo I guess my my closing question is, are you comfortable for us to continue looking after your super? From here, basically, I will get the research completed with the team over the next couple of weeks, put together your updated plan, and then I believe you would have spoken to Michelle previously for the review booking. She'll just get you booked in to run through that place with me. Amazing. Any questions for me before I let you go?\n\nIn the interim, if there is any other assistance you need, if anything happens on the insurance side and you need any information or advice, please let us know. We'd be happy to help. But, hopefully, they they look after you and and get you back nice and smooth. Up. Absolutely.\n\nMichelle, I'll leave this pack with you. There's only one document to sign for the consent for Hub '24, and and then I'll be talking to you in a couple of weeks' time. Yeah. That's the one. So when you get to the bottom of that document, there's usually the buttons on the side to start, or you can actually just click on them.\n\nAnd what it will do is it'll stamp a signature and a date on that. If you would like to draw the signature, you just click on it a second time, and it will allow you to draw it just to match, you know, your ID and so on. At the end of that, there will be a validate button to send a signed copy to both yourself and to. And do bear in mind, it sometimes takes a minute or two to load. Once you hit validate, it may spin there for a good thirty seconds.\n\nSo there's just a lot of pages that get uploaded. Perfect. So, Michelle, that has come through signed a lot. Thank you very much for doing that. You should get a pretty quick email with a signed copy for yourself as well.\n\nPerfect. Again, thank you so much for your time today. Is there anything else I can help with before I let you go? Perfect. I will talk to you in a couple of weeks.\n\nThank you so much. Thanks","paragraphs":[{"sentences":[{"text":"Good afternoon, Michelle.","start":3.6,"end":4.64,"sentiment":"neutral","sentiment_score":0.24918857216835022},{"text":"It's Tommy here, senior adviser from OQ.","start":4.64,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.2268788835832051},{"text":"How are you doing?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.19003501161932945},{"text":"I'm just giving you a call to go through your annual review if you still have some time.","start":9.76,"end":16.595,"sentiment":"neutral","sentiment_score":0.15742350493868193},{"text":"Amazing.","start":16.595,"end":16.994999,"sentiment":"positive","sentiment_score":0.6818766593933105}],"sentiment":"neutral","sentiment_score":0.20034417261679968,"num_words":33,"start":3.6,"end":16.994999},{"sentences":[{"text":"Amazing.","start":16.994999,"end":17.494999,"sentiment":"positive","sentiment_score":0.6120244264602661},{"text":"Just before I dive into it, I've got a bit of an email pack to send out to you, and I'll just go through a quick security check with you if that's okay.","start":17.875,"end":25.494999,"sentiment":"neutral","sentiment_score":0.1842134723609144},{"text":"Perfect.","start":27.154999,"end":27.654999,"sentiment":"neutral","sentiment_score":0.2973364591598511},{"text":"We have a client password on file if you recall what that is.","start":28.849998,"end":32.47,"sentiment":"neutral","sentiment_score":0.1540957179207068},{"text":"Correct.","start":36.29,"end":36.77,"sentiment":"neutral","sentiment_score":0.07360124588012695}],"sentiment":"neutral","sentiment_score":0.18500512351795118,"num_words":49,"start":16.994999,"end":36.77},{"sentences":[{"text":"That's right.","start":36.77,"end":37.329998,"sentiment":"neutral","sentiment_score":0.07148811221122742},{"text":"Mother's maiden name.","start":37.329998,"end":38.629997,"sentiment":"neutral","sentiment_score":0.048258443673451744},{"text":"Amazing.","start":39.89,"end":40.37,"sentiment":"neutral","sentiment_score":0.3276825249195099},{"text":"And are you okay for the call to be recorded?","start":40.37,"end":42.195,"sentiment":"neutral","sentiment_score":0.10658600553870201},{"text":"Perfect.","start":44.435,"end":44.755,"sentiment":"neutral","sentiment_score":0.30179375410079956}],"sentiment":"neutral","sentiment_score":0.1166522288147141,"num_words":17,"start":36.77,"end":44.755},{"sentences":[{"text":"Perfect.","start":44.755,"end":45.255,"sentiment":"positive","sentiment_score":0.34031572937965393},{"text":"Now I've got your Gmail account listed for the emails with Oakview.","start":45.795,"end":50.855,"sentiment":"neutral","sentiment_score":0.15543961773316065},{"text":"Will you be able to look onto the emails with me today, or shall I just walk you through what's coming through?","start":51.475,"end":60.440002,"sentiment":"neutral","sentiment_score":0.10995057987218554},{"text":"Perfect.","start":60.440002,"end":60.940002,"sentiment":"neutral","sentiment_score":0.15438029170036316},{"text":"Before I go through that pack with you, I just wanted to update a few details because the team let me know that you've been on an income protection claim.","start":61.8,"end":70.185,"sentiment":"neutral","sentiment_score":0.05403144670029481}],"sentiment":"neutral","sentiment_score":0.09696708472840714,"num_words":66,"start":44.755,"end":70.185},{"sentences":[{"text":"I just, first of all, wanted to see how you're doing and if there was anything that you needed from us.","start":72.585,"end":77.965,"sentiment":"neutral","sentiment_score":0.04071385564193839},{"text":"Amazing.","start":84.905,"end":85.405,"sentiment":"neutral","sentiment_score":0.02283613011240959},{"text":"So it's been a bit of a trying nine months or so?","start":85.47,"end":88.53,"sentiment":"neutral","sentiment_score":-0.11391105564932029},{"text":"Is that in terms of, like, the insurer and the doctors?","start":98.11,"end":101.090004,"sentiment":"neutral","sentiment_score":-0.1987250582738356},{"text":"Or oh.","start":101.15,"end":108.1325,"sentiment":"neutral","sentiment_score":-0.19293709844350815}],"sentiment":"neutral","sentiment_score":-0.06512671078931778,"num_words":47,"start":72.585,"end":108.1325},{"sentences":[{"text":"The joys and fun.","start":117.049995,"end":118.35,"sentiment":"neutral","sentiment_score":0.11273310892283916},{"text":"Oh, no.","start":130.58499,"end":131.145,"sentiment":"neutral","sentiment_score":-0.1055433452129364},{"text":"Well, I'll try and make sure that we're the the least painful part of your your lunch at the moment.","start":131.145,"end":136.045,"sentiment":"neutral","sentiment_score":-0.015543509088456631},{"text":"I'll pop this through to you.","start":136.985,"end":138.52,"sentiment":"neutral","sentiment_score":0.22855054587125778},{"text":"It won't take too long to go through.","start":138.52,"end":140.70001,"sentiment":"neutral","sentiment_score":0.11050621885806322}],"sentiment":"neutral","sentiment_score":0.054608214739710094,"num_words":40,"start":117.049995,"end":140.70001},{"sentences":[{"text":"If this is your first time using our new system, it may go to your spam folder, though.","start":141.08,"end":145.64,"sentiment":"neutral","sentiment_score":-0.09272817646463712},{"text":"Just a bit of a heads up.","start":145.64,"end":147.1,"sentiment":"neutral","sentiment_score":-0.005851947037237031},{"text":"So I'm gonna pop that through now.","start":148.92,"end":151.305,"sentiment":"neutral","sentiment_score":0.1341894907610757},{"text":"And how did you find the claims experience?","start":154.885,"end":156.805,"sentiment":"neutral","sentiment_score":0.10177500825375319},{"text":"Because I know you've got a pretty decent income protection policy.","start":156.805,"end":159.845,"sentiment":"neutral","sentiment_score":0.23576090688055212}],"sentiment":"neutral","sentiment_score":0.051702464145480416,"num_words":51,"start":141.08,"end":159.845},{"sentences":[{"text":"Did it go through pretty smoothly, or was it a a long process?","start":159.845,"end":162.985,"sentiment":"neutral","sentiment_score":0.10055826604366302},{"text":"Yeah.","start":192.9,"end":193.3,"sentiment":"neutral","sentiment_score":0.008640455082058907},{"text":"Oh, good.","start":193.3,"end":193.78,"sentiment":"neutral","sentiment_score":0.10650308802723886},{"text":"So it sort of caught up on on the payments from the date of the claim start.","start":193.78,"end":197.64,"sentiment":"neutral","sentiment_score":0.0632090667153106},{"text":"That's fantastic.","start":199.94,"end":200.84,"sentiment":"positive","sentiment_score":0.6409172415733337}],"sentiment":"neutral","sentiment_score":0.1110083630574601,"num_words":35,"start":159.845,"end":200.84},{"sentences":[{"text":"A couple of details that I'm gonna update today.","start":201.765,"end":203.925,"sentiment":"neutral","sentiment_score":0.24927464955382878},{"text":"I really just wanna get a a quick chat around your your goals that we've been tracking since becoming a client.","start":203.925,"end":210.265,"sentiment":"neutral","sentiment_score":0.16770435195593608},{"text":"Obviously, I understand that you're in a bit of a holding pattern returning to work at the moment, But we did have you having basically like a a northern star goal to try and retire as early as possible towards age 60 as soon as you can access it.","start":210.965,"end":228.46,"sentiment":"neutral","sentiment_score":0.06569509881035406},{"text":"So but does that still sound correct?","start":228.46,"end":230.025,"sentiment":"neutral","sentiment_score":0.04745920481426375},{"text":"Perfect.","start":233.06499,"end":233.56499,"sentiment":"positive","sentiment_score":0.6996915936470032}],"sentiment":"neutral","sentiment_score":0.11512907018521051,"num_words":87,"start":201.765,"end":233.56499},{"sentences":[{"text":"And we've got you and your partner on a bit of a staggered retirement because I think Gary is gonna retire within the next sort of three or four years or so likely?","start":233.94499,"end":245.47,"sentiment":"neutral","sentiment_score":0.2154864181171764},{"text":"Perfect.","start":250.17001,"end":250.67001,"sentiment":"positive","sentiment_score":0.5528676509857178},{"text":"We did have a couple of goals around this, obviously, going to England to visit some family, buying cars.","start":251.29001,"end":256.10498,"sentiment":"neutral","sentiment_score":0.2566884536492197},{"text":"Have you managed to sort of tick any of those off just yet, or are they still on the card?","start":256.725,"end":260.745,"sentiment":"neutral","sentiment_score":0.13819802105426787},{"text":"Yeah.","start":267.285,"end":267.54,"sentiment":"neutral","sentiment_score":0.16651132702827454}],"sentiment":"neutral","sentiment_score":0.2090739434635317,"num_words":74,"start":233.94499,"end":267.54},{"sentences":[{"text":"Oh, yeah.","start":275.38,"end":276.12,"sentiment":"neutral","sentiment_score":0.10111091285943985},{"text":"Need an upgrade.","start":287.155,"end":288.055,"sentiment":"neutral","sentiment_score":0.05285040413339933},{"text":"Oh, cool.","start":289.395,"end":290.055,"sentiment":"neutral","sentiment_score":0.18071094155311584},{"text":"It seems like you're pretty well across the board debt free from what I can see as far as mortgage, car loans, and everything except for, obviously, rent service.","start":291.155,"end":300.30002,"sentiment":"neutral","sentiment_score":0.0918431578782098},{"text":"Is that still okay?","start":301.48,"end":302.62,"sentiment":"neutral","sentiment_score":-0.013812707271426916}],"sentiment":"neutral","sentiment_score":0.08325989176519215,"num_words":40,"start":275.38,"end":302.62},{"sentences":[{"text":"Perfect.","start":306.12,"end":306.6,"sentiment":"neutral","sentiment_score":0.24545818567276},{"text":"Okay.","start":306.6,"end":307.0,"sentiment":"neutral","sentiment_score":0.11084206402301788},{"text":"So if you don't mind, can I just quickly update the assets that we have on file?","start":307.0,"end":310.725,"sentiment":"neutral","sentiment_score":0.08900109174496987},{"text":"So I've got the the home was valued at about 550,000 at Logan Reserve there.","start":313.125,"end":319.92502,"sentiment":"neutral","sentiment_score":0.018182799282173315},{"text":"Do you know if that's jumped up a lot?","start":319.92502,"end":321.445,"sentiment":"neutral","sentiment_score":-0.0020031044259667397}],"sentiment":"neutral","sentiment_score":0.04939611299439918,"num_words":43,"start":306.12,"end":321.445},{"sentences":[{"text":"I know the market's been a bit up and down lately.","start":321.445,"end":323.43,"sentiment":"neutral","sentiment_score":-0.1340408833189444},{"text":"I'm just having a look at a quick online estimate, and they seem to think we're sitting at around 898,000, if that sounds okay for you.","start":331.43,"end":339.34497,"sentiment":"neutral","sentiment_score":0.045823161938012794},{"text":"We did have a $25,000 car and a couple of smaller lower value cars as well.","start":342.84497,"end":348.465,"sentiment":"neutral","sentiment_score":0.04109979094937444},{"text":"So you've got the the current one.","start":348.76498,"end":351.45,"sentiment":"neutral","sentiment_score":0.00619704050144979},{"text":"Do you still have a couple of others floating around as well?","start":351.85,"end":354.17,"sentiment":"neutral","sentiment_score":-0.007455406865725915}],"sentiment":"neutral","sentiment_score":0.004561993752657954,"num_words":72,"start":321.445,"end":354.17},{"sentences":[{"text":"Or Perfect.","start":354.17,"end":373.51498,"sentiment":"neutral","sentiment_score":0.2463426413014531},{"text":"And we had about 18,000 in savings and about a thousand dollars in cryptocurrency.","start":373.97498,"end":379.35498,"sentiment":"neutral","sentiment_score":0.2167253749711173},{"text":"Yep.","start":387.25998,"end":387.75998,"sentiment":"neutral","sentiment_score":0.02497934363782406},{"text":"Yes.","start":394.78,"end":395.235,"sentiment":"neutral","sentiment_score":0.0292949415743351},{"text":"Perfect.","start":398.75497,"end":399.155,"sentiment":"neutral","sentiment_score":0.286506325006485}],"sentiment":"neutral","sentiment_score":0.2035590074956417,"num_words":19,"start":354.17,"end":399.155},{"sentences":[{"text":"And did you end up selling the cryptocurrency off at that time as well?","start":399.155,"end":402.615,"sentiment":"neutral","sentiment_score":0.030533943325281143},{"text":"Perfect.","start":408.45,"end":408.95,"sentiment":"neutral","sentiment_score":0.2020020037889481},{"text":"And you did mention before that the did you had a hearing aid loan and that's been paid off?","start":409.33,"end":414.55,"sentiment":"neutral","sentiment_score":0.003068770980462432},{"text":"So, like, under $1,000 kind of thing?","start":427.305,"end":429.485,"sentiment":"neutral","sentiment_score":-0.011867902374693326},{"text":"Perfect.","start":433.22498,"end":433.72498,"sentiment":"positive","sentiment_score":0.3979326486587525}],"sentiment":"neutral","sentiment_score":0.023872409309704034,"num_words":42,"start":399.155,"end":433.72498},{"sentences":[{"text":"Thank you so much for that.","start":433.78497,"end":435.32498,"sentiment":"positive","sentiment_score":0.5355456868807474},{"text":"Last couple of detailed update is just in terms of the the occupation.","start":435.865,"end":440.16,"sentiment":"neutral","sentiment_score":0.060916565072077974},{"text":"We we had you as a senior training officer, and I'm just wondering when you return back to work, will you be going back to that kind of $100,000 full time income?","start":440.53998,"end":450.08,"sentiment":"neutral","sentiment_score":0.03174255887279287},{"text":"What does it look like?","start":450.3,"end":451.425,"sentiment":"neutral","sentiment_score":0.004364580661058426},{"text":"Yeah.","start":456.145,"end":456.465,"sentiment":"neutral","sentiment_score":0.06602711230516434}],"sentiment":"neutral","sentiment_score":0.08962809415370748,"num_words":57,"start":433.78497,"end":456.465},{"sentences":[{"text":"So QSuper income protection at the moment, back to that same wage.","start":456.465,"end":460.485,"sentiment":"neutral","sentiment_score":0.13694718355933824},{"text":"Perfect.","start":463.585,"end":463.985,"sentiment":"positive","sentiment_score":0.4452573359012604},{"text":"Thank you.","start":463.985,"end":464.79,"sentiment":"positive","sentiment_score":0.4865782558917999},{"text":"And I think that's about it.","start":465.75,"end":467.19,"sentiment":"neutral","sentiment_score":0.12518885483344397},{"text":"We've got the two children over the age of 18.","start":467.19,"end":469.85,"sentiment":"neutral","sentiment_score":0.025439886096864938}],"sentiment":"neutral","sentiment_score":0.13120361420536233,"num_words":31,"start":456.465,"end":469.85},{"sentences":[{"text":"And just in terms of the state planning, did you put in place a will or a power of attorney since we last spoke?","start":471.59,"end":481.705,"sentiment":"neutral","sentiment_score":0.015517040737904608},{"text":"Perfect.","start":481.705,"end":482.105,"sentiment":"positive","sentiment_score":0.4086567163467407},{"text":"And do you know if you included, like, a power an enduring power of attorney when you set that up?","start":482.105,"end":486.685,"sentiment":"neutral","sentiment_score":0.08489631805568934},{"text":"Oh, I'll get that updated.","start":491.145,"end":492.96,"sentiment":"neutral","sentiment_score":-0.014465679973363876},{"text":"And we do have Gary listed as your beneficiary for the super.","start":493.41998,"end":497.28,"sentiment":"neutral","sentiment_score":0.05343107506632805}],"sentiment":"neutral","sentiment_score":0.04915865413063476,"num_words":62,"start":471.59,"end":497.28},{"sentences":[{"text":"I'm assuming you still want him on there.","start":497.65997,"end":499.44,"sentiment":"neutral","sentiment_score":0.008411821443587542},{"text":"K.","start":501.18,"end":501.68,"sentiment":"neutral","sentiment_score":0.18439149856567383},{"text":"Perfect.","start":502.69998,"end":503.02,"sentiment":"positive","sentiment_score":0.5318124294281006},{"text":"Perfect.","start":503.02,"end":503.34,"sentiment":"positive","sentiment_score":0.5803016424179077},{"text":"Perfect.","start":503.34,"end":503.74,"sentiment":"positive","sentiment_score":0.57178795337677}],"sentiment":"neutral","sentiment_score":0.1612990079447627,"num_words":12,"start":497.65997,"end":503.74},{"sentences":[{"text":"So the two main things to cover today is obviously the insurances just to make sure that they stay in force and then just to go through the superannuation together.","start":503.74,"end":513.775,"sentiment":"neutral","sentiment_score":0.2104882799088955},{"text":"Do you have any questions for me or anything to focus on outside of that?","start":514.555,"end":519.27,"sentiment":"neutral","sentiment_score":0.025259531910220782},{"text":"Awesome.","start":524.63,"end":525.13,"sentiment":"positive","sentiment_score":0.4307307004928589},{"text":"Have you gotten that email that I've sent through to you with your review pack?","start":525.35004,"end":529.19,"sentiment":"neutral","sentiment_score":0.23370540340741475},{"text":"Might be helpful with the visuals.","start":529.19,"end":530.73004,"sentiment":"neutral","sentiment_score":0.10030237957835197}],"sentiment":"neutral","sentiment_score":0.16763682694021445,"num_words":67,"start":503.74,"end":530.73004},{"sentences":[{"text":"So so with the new system, if you hit that blue sign button, it'll bring open five documents to scroll through with me, and I just wanna kind of walk you through what I'm seeing.","start":532.375,"end":541.91504,"sentiment":"neutral","sentiment_score":0.13771435809986932},{"text":"Now first one, you should see the summary of super insurance with the o three letterhead, and you should be able to see that come 24 q super listed on there.","start":544.775,"end":553.11,"sentiment":"neutral","sentiment_score":0.06171768080563315},{"text":"Yeah.","start":563.235,"end":563.555,"sentiment":"neutral","sentiment_score":0.1132541000843048},{"text":"Perfect.","start":563.555,"end":564.055,"sentiment":"neutral","sentiment_score":0.27309149503707886},{"text":"Now with the q super so you're on the account protection claim at the moment.","start":565.39496,"end":569.975,"sentiment":"neutral","sentiment_score":0.07457902058959007}],"sentiment":"neutral","sentiment_score":0.09925640412572637,"num_words":83,"start":532.375,"end":569.975},{"sentences":[{"text":"One thing that I would like to keep an eye on is that once you've returned to work, if they make any alterations to the policies, premiums, or anything like that, because it was definitely creeping up there in cost as well.","start":570.355,"end":584.06,"sentiment":"neutral","sentiment_score":-0.18341434374451637},{"text":"So what I'm thinking is once you've returned to work, I might do I've already gotten the research, so thank you very much for assisting with that.","start":587.0,"end":594.535,"sentiment":"neutral","sentiment_score":0.3122807423825617},{"text":"I might just double check if they've made any changes to it.","start":594.995,"end":598.055,"sentiment":"neutral","sentiment_score":0.07143118077268203},{"text":"And, essentially, we just need to make sure we keep that in full.","start":598.115,"end":601.53,"sentiment":"neutral","sentiment_score":0.13192371794810662},{"text":"There is an option with q two, but they're pretty good if you can fill in a, like, a permanent opt in form.","start":604.89,"end":611.31006,"sentiment":"neutral","sentiment_score":0.1838604483915412}],"sentiment":"neutral","sentiment_score":0.06435171301420937,"num_words":117,"start":570.355,"end":611.31006},{"sentences":[{"text":"That means they'll never cancel the insurances even if it becomes inactive.","start":611.77,"end":615.95,"sentiment":"neutral","sentiment_score":0.12069969282795985},{"text":"But if you are just about to go back to work, the contributions will kick back in, and it will keep it active.","start":616.285,"end":622.925,"sentiment":"neutral","sentiment_score":0.21991048364535623},{"text":"So I wanted to run by you if you wanted to make it a 100% safe or just kind of leave it as is, let it go, contributions will keep it going, and there's no concerns in your end.","start":622.925,"end":639.3,"sentiment":"neutral","sentiment_score":0.256214251407446},{"text":"Yep.","start":639.3,"end":639.62,"sentiment":"positive","sentiment_score":0.3683611750602722},{"text":"Perfect.","start":639.62,"end":640.12,"sentiment":"positive","sentiment_score":0.5837138295173645}],"sentiment":"neutral","sentiment_score":0.22961537167429924,"num_words":76,"start":611.77,"end":640.12},{"sentences":[{"text":"So the life insurance and disability, the income protection, leave those as is.","start":640.18,"end":644.68,"sentiment":"neutral","sentiment_score":0.30905871437146115},{"text":"There's no trauma cover on that.","start":644.81995,"end":647.075,"sentiment":"neutral","sentiment_score":0.17661678045988083},{"text":"It has built up to 41,666, and your hub 24, I was just looking at it this morning, went from 357,000 to $4.35 since coming on board.","start":647.775,"end":662.61,"sentiment":"positive","sentiment_score":0.3486170062312373},{"text":"So that's just under two and a half years.","start":662.61,"end":665.19,"sentiment":"neutral","sentiment_score":0.2540553957223892},{"text":"Now if you have a look at the buttons on that Odoo sign, there should be a button saying next document there.","start":668.52997,"end":675.125,"sentiment":"neutral","sentiment_score":0.011548362418331883}],"sentiment":"neutral","sentiment_score":0.22117773600696744,"num_words":77,"start":640.18,"end":675.125},{"sentences":[{"text":"And I know this one's probably a little bit painful.","start":677.98505,"end":680.48505,"sentiment":"neutral","sentiment_score":-0.21418895050883294},{"text":"It's a performance table with about a million figures on it if you can make any of these out.","start":681.265,"end":685.765,"sentiment":"neutral","sentiment_score":-0.14325822772164093},{"text":"Mhmm.","start":686.385,"end":686.82,"sentiment":"neutral","sentiment_score":-0.02599140629172325},{"text":"Now what I wanted to kind of show you was a couple things I'm looking at.","start":687.86,"end":691.14,"sentiment":"neutral","sentiment_score":-0.032048114226199687},{"text":"So you're in a we call it like a growth risk profile.","start":691.14,"end":695.72003,"sentiment":"neutral","sentiment_score":-0.02964265225455165}],"sentiment":"neutral","sentiment_score":-0.09928049815112147,"num_words":58,"start":677.98505,"end":695.72003},{"sentences":[{"text":"If this rings a bell that you've got about 80% in growth assets, like shares, property, and gold, and 20 percent in the state of side of things.","start":695.94,"end":704.435,"sentiment":"neutral","sentiment_score":0.005122451111674309},{"text":"Does that sort of ring a bell from when you came on board?","start":704.435,"end":706.85504,"sentiment":"neutral","sentiment_score":0.009738183651979152},{"text":"Yes.","start":708.275,"end":708.775,"sentiment":"neutral","sentiment_score":0.13907650113105774},{"text":"So with the growth risk profile, normally, you wanna have around about seven to nine years as an investment time frame because it's slightly above medium risk.","start":709.875,"end":721.95,"sentiment":"neutral","sentiment_score":0.032389923861181294},{"text":"It's not high risk, but it's trying to get the primarily focusing on capital growth, obviously finish off the growth of your super.","start":722.33,"end":729.47,"sentiment":"neutral","sentiment_score":0.07830104525403483}],"sentiment":"neutral","sentiment_score":0.033527755487264825,"num_words":92,"start":695.94,"end":729.47},{"sentences":[{"text":"Now you need an average return of at least 9% to kind of justify the risk level that you're taking, if that makes sense.","start":731.265,"end":740.085,"sentiment":"neutral","sentiment_score":0.05815155734308064},{"text":"Your QSuper has had a decent ish year, but the last sort of five years or so, they haven't been able to get above 5% the last five years in that growth portfolio.","start":743.265,"end":756.22003,"sentiment":"neutral","sentiment_score":0.1312917359173298},{"text":"So it's kind of dragging its feet a little bit, but the contributions are going in, which is boosting that up as well.","start":756.60004,"end":763.16504,"sentiment":"neutral","sentiment_score":0.20379025521485702},{"text":"The second page on that report, it brings it all down into one line item, and you should be able to see on the very right hand side the net return of the total hub portfolio.","start":765.30505,"end":777.67,"sentiment":"neutral","sentiment_score":0.1582268722769287},{"text":"Excuse me.","start":780.20996,"end":781.11,"sentiment":"neutral","sentiment_score":-0.00866783782839775}],"sentiment":"neutral","sentiment_score":0.13639213777762854,"num_words":118,"start":731.265,"end":781.11},{"sentences":[{"text":"So 23% for the last sort of two and a bit years works out to be just over 10% after fees.","start":781.49,"end":788.065,"sentiment":"neutral","sentiment_score":0.05943702711235909},{"text":"So it's tracking quite nicely overall, about 95,000 worth of total growth, not including contributions.","start":788.445,"end":797.425,"sentiment":"neutral","sentiment_score":0.19390248755613962},{"text":"There is a couple of things I would like to fix up.","start":800.66003,"end":802.9,"sentiment":"neutral","sentiment_score":-0.20483638967076936},{"text":"I know you're you're obviously focusing on the return to work, but given what's happened with the the legislation around the property market, I don't know if you've seen what happened to Apple game tax and negative gearing.","start":802.9,"end":815.035,"sentiment":"neutral","sentiment_score":-0.24409813492705948},{"text":"We are probably looking at replacing the property option within your portfolio.","start":818.45496,"end":823.595,"sentiment":"neutral","sentiment_score":-0.17667967329422632}],"sentiment":"neutral","sentiment_score":-0.09895109183782218,"num_words":98,"start":781.49,"end":823.595},{"sentences":[{"text":"It has had some pretty solid growth, but it's starting to kind of drop quite quickly.","start":824.855,"end":830.34,"sentiment":"neutral","sentiment_score":-0.3322367900982499},{"text":"And because it focuses on property companies, it's not doing as well as the actual property market is, which isn't doing the best either.","start":830.72003,"end":840.10004,"sentiment":"negative","sentiment_score":-0.3518530186265707},{"text":"K?","start":842.48004,"end":842.955,"sentiment":"neutral","sentiment_score":-0.121044859290123},{"text":"The other one too is the Benelon option.","start":843.435,"end":845.775,"sentiment":"neutral","sentiment_score":-0.19704271294176579},{"text":"Your Australian shares hasn't been doing too well.","start":845.835,"end":848.255,"sentiment":"negative","sentiment_score":-0.33418269641697407}],"sentiment":"neutral","sentiment_score":-0.3180896354871884,"num_words":57,"start":824.855,"end":848.255},{"sentences":[{"text":"Every other option there has been hitting really high double digits.","start":848.555,"end":851.695,"sentiment":"neutral","sentiment_score":0.03083490597253496},{"text":"You've got, you know, gold and electric vehicles up 60%, which is amazing, but Benelon has dragged its feet.","start":852.075,"end":859.23004,"sentiment":"neutral","sentiment_score":0.02543440265090842},{"text":"So I would be looking to replace that one as well.","start":859.23004,"end":861.81,"sentiment":"neutral","sentiment_score":-0.13858229734680869},{"text":"And the last one is the you've got two term deposit options, quite safe ones, but the government is kind of saving one of them out as a type of term deposit.","start":864.35004,"end":874.615,"sentiment":"neutral","sentiment_score":0.08817286975681782},{"text":"So that'll happen over the next three years.","start":875.075,"end":877.555,"sentiment":"neutral","sentiment_score":0.19464455172419548}],"sentiment":"neutral","sentiment_score":0.045391612237802255,"num_words":81,"start":848.555,"end":877.555},{"sentences":[{"text":"So I just wanna get ahead of the curve and get that one updated as well.","start":877.555,"end":880.775,"sentiment":"neutral","sentiment_score":0.25859696697443724},{"text":"Now the question that I've got for you is so overall portfolio is doing well.","start":882.595,"end":886.38,"sentiment":"neutral","sentiment_score":0.24459430575370789},{"text":"The growth risk profile, we're sort of hitting those benchmarks.","start":886.78,"end":890.56,"sentiment":"neutral","sentiment_score":0.11302064582705498},{"text":"The two questions that I've got are, are you still okay with this idea of focusing on finishing off the last few years of growth to get as much as we can.","start":891.02,"end":901.365,"sentiment":"neutral","sentiment_score":0.11507991829421371},{"text":"And then maybe when you're a bit closer to retirement, we can start to reduce that risk level down to protect what you've built.","start":901.365,"end":908.265,"sentiment":"neutral","sentiment_score":0.0533066412123541}],"sentiment":"neutral","sentiment_score":0.14328442567709795,"num_words":97,"start":877.555,"end":908.265},{"sentences":[{"text":"Yeah.","start":911.045,"end":911.545,"sentiment":"neutral","sentiment_score":0.14465993642807007},{"text":"Mentioned before that sort of seven to nine year time frame.","start":913.81,"end":916.37,"sentiment":"neutral","sentiment_score":0.06951202316717668},{"text":"So what I'm sort of thinking is that if we get a good return next year, it might be a good time to start slowly reducing that down from the 80% to seventy, sixty, fifty, forty over about a seven year period.","start":916.37,"end":931.02496,"sentiment":"neutral","sentiment_score":0.20876982462193286},{"text":"Cool?","start":932.605,"end":933.005,"sentiment":"positive","sentiment_score":0.47231507301330566},{"text":"Yep.","start":933.005,"end":933.505,"sentiment":"neutral","sentiment_score":0.2253914773464203}],"sentiment":"neutral","sentiment_score":0.18527377456692712,"num_words":56,"start":911.045,"end":933.505},{"sentences":[{"text":"The only other question I had for you, and this is just purely because Hub twenty four has the most investment options in the industry.","start":934.445,"end":941.11,"sentiment":"neutral","sentiment_score":0.10722740948200225},{"text":"It's about 1,300 that we've been assessed through.","start":941.11,"end":944.17,"sentiment":"neutral","sentiment_score":0.09454534575343132},{"text":"We can replace some of these options with two different styles, and I really just wanted to see if you had, like, a a gut feeling or a personal preference between the two styles.","start":945.58997,"end":955.12994,"sentiment":"neutral","sentiment_score":0.13522353417733135},{"text":"Are you familiar with the terms active and passive?","start":955.805,"end":958.46497,"sentiment":"neutral","sentiment_score":0.041794812927643456},{"text":"Cool.","start":962.205,"end":962.445,"sentiment":"neutral","sentiment_score":0.012859037145972252}],"sentiment":"neutral","sentiment_score":0.10939818855326672,"num_words":77,"start":934.445,"end":962.445},{"sentences":[{"text":"So we can replace, for example, that ban on option with a a lower fee passive option, or we can replace it with another active option that is a bit higher fee but tries to get a higher return.","start":962.445,"end":974.67,"sentiment":"neutral","sentiment_score":0.07247078504699928},{"text":"Which way do you lean between the two, Michelle?","start":975.53,"end":977.55,"sentiment":"neutral","sentiment_score":0.06569402954644626},{"text":"Yep.","start":990.905,"end":991.405,"sentiment":"neutral","sentiment_score":0.2137045860290527},{"text":"So what I basically need to do there is find a a like for like replacement for those that you do have.","start":991.465,"end":997.19,"sentiment":"neutral","sentiment_score":0.13737014173106712},{"text":"It is a bit of a blend of both, but I can we've already been researching some options there that I can do a comparison for.","start":997.57,"end":1004.15,"sentiment":"neutral","sentiment_score":0.12142512216590919}],"sentiment":"neutral","sentiment_score":0.10113925529048615,"num_words":97,"start":962.445,"end":1004.15},{"sentences":[{"text":"So what I'll basically do is I'll put together an updated statement of advice with you with some updated projections, and I'll include in there what I'm thinking of included.","start":1006.53,"end":1016.615,"sentiment":"neutral","sentiment_score":0.1463877461850643},{"text":"I do have to run it by you, of course, and and get your consent before we change anything.","start":1017.235,"end":1021.2,"sentiment":"neutral","sentiment_score":0.11189699859211319},{"text":"Perfect.","start":1025.04,"end":1025.52,"sentiment":"positive","sentiment_score":0.3818659782409668},{"text":"The last two sort of questions on the super side of it is in terms of contributions, when you return back to work, do you want me to look at any type of salary sacrifice arrangement or just based off what work is putting in?","start":1025.52,"end":1037.0449,"sentiment":"neutral","sentiment_score":0.06927052202324073},{"text":"Yep.","start":1051.0249,"end":1051.38,"sentiment":"neutral","sentiment_score":0.09689606726169586}],"sentiment":"neutral","sentiment_score":0.10535011349323516,"num_words":96,"start":1006.53,"end":1051.38},{"sentences":[{"text":"Yes.","start":1060.34,"end":1060.74,"sentiment":"neutral","sentiment_score":0.053103990852832794},{"text":"That's the one I was thinking because most of the time when you set up that extra contribution plan, they they would have probably given you, like, a one or two page form, and it automatically defaults to the the non concessional.","start":1060.74,"end":1073.735,"sentiment":"neutral","sentiment_score":0.04209277001098685},{"text":"It's not the salary sacrifice or tax deductible version.","start":1073.955,"end":1077.33,"sentiment":"neutral","sentiment_score":-0.05268846555716462},{"text":"It actually is more of a matter of reaching out to payroll because that form default to the kind of wrong type of contribution, and I think payroll can actually convert it over to salary sacrifice for you.","start":1079.01,"end":1093.5851,"sentiment":"neutral","sentiment_score":-0.023739934261692196},{"text":"So what I'm thinking, if you're okay to kind of when you go back to work, just reach out to them and say, hey.","start":1096.2051,"end":1101.905,"sentiment":"neutral","sentiment_score":0.12185258169968922}],"sentiment":"neutral","sentiment_score":0.02955393508901787,"num_words":114,"start":1060.34,"end":1101.905},{"sentences":[{"text":"Are you guys able to switch this across?","start":1102.8451,"end":1104.78,"sentiment":"neutral","sentiment_score":0.0318782995454967},{"text":"If you need any help, information, terminology, an email to kind of go off to that conversation, please let us know, and I can put something together.","start":1105.02,"end":1113.92,"sentiment":"neutral","sentiment_score":0.08997010536215923},{"text":"Cool.","start":1116.06,"end":1116.56,"sentiment":"positive","sentiment_score":0.5864253044128418},{"text":"The last thing too, just in terms of the queue server, is we can leave the 41,000 in there to make sure the insurance premiums are paid.","start":1118.155,"end":1127.9349,"sentiment":"neutral","sentiment_score":0.12754420301428548},{"text":"I would ideally like to move a small portion across into Hub to get it going a little bit quicker for you, but I can't move too much across because of the the amount the premiums are.","start":1128.315,"end":1140.0499,"sentiment":"neutral","sentiment_score":0.025654901624531358}],"sentiment":"neutral","sentiment_score":0.07663569387048483,"num_words":100,"start":1102.8451,"end":1140.0499},{"sentences":[{"text":"I need to make sure there's no risk of the insurance as less.","start":1140.0499,"end":1142.95,"sentiment":"neutral","sentiment_score":-0.024845061967006102},{"text":"So what I'm sort of thinking is I'll do a bit of a cancellation in the updated plan for how much we can safely move across.","start":1146.405,"end":1152.425,"sentiment":"neutral","sentiment_score":-0.02962324529205664},{"text":"It may only be about 10,000 or a little bit above, but are you okay with that idea if it works out well?","start":1152.4851,"end":1158.505,"sentiment":"neutral","sentiment_score":0.060052914140017136},{"text":"Perfect.","start":1162.0199,"end":1162.5199,"sentiment":"positive","sentiment_score":0.6589534282684326},{"text":"So we've got a bit of a plan for the super at the moment.","start":1162.8999,"end":1166.2,"sentiment":"positive","sentiment_score":0.4268289421285902}],"sentiment":"neutral","sentiment_score":0.08990370727434464,"num_words":77,"start":1140.0499,"end":1166.2},{"sentences":[{"text":"The income will hopefully kick back in soon as well, which is great.","start":1167.0599,"end":1171.32,"sentiment":"positive","sentiment_score":0.6430509090423584},{"text":"Insurances to stay in force.","start":1171.62,"end":1173.315,"sentiment":"neutral","sentiment_score":0.3254910588264465},{"text":"Beneficiaries are fine.","start":1174.2749,"end":1175.6549,"sentiment":"neutral","sentiment_score":0.2465797265370687},{"text":"No will, no power of attorney.","start":1175.7949,"end":1177.335,"sentiment":"neutral","sentiment_score":-0.05479741282761097},{"text":"Anything else you can think of or any questions at this point?","start":1177.7949,"end":1180.5349,"sentiment":"neutral","sentiment_score":0.030095059735079605}],"sentiment":"neutral","sentiment_score":0.27587724438844585,"num_words":39,"start":1167.0599,"end":1180.5349},{"sentences":[{"text":"K.","start":1185.475,"end":1185.81,"sentiment":"neutral","sentiment_score":-0.022464308887720108},{"text":"When it comes to an analysis of the retirement side of things, because you don't have that kind of decade plus to go, I'm gonna sort of give you an estimate on the income you could receive from the super to fund that retirement goal at 60.","start":1186.77,"end":1203.175,"sentiment":"neutral","sentiment_score":0.023494193290776396},{"text":"I would normally sort of factor in your partner's super joint assets, the things relating to settling.","start":1204.675,"end":1211.415,"sentiment":"neutral","sentiment_score":0.015917295370908344},{"text":"If you had that information on hand, I could grab a couple of details.","start":1212.3551,"end":1215.8151,"sentiment":"neutral","sentiment_score":0.026708221595202173},{"text":"If not, I can just base it on purely just your super.","start":1216.38,"end":1219.36,"sentiment":"neutral","sentiment_score":-0.2004193632553021}],"sentiment":"neutral","sentiment_score":-0.0074589061499624465,"num_words":91,"start":1185.475,"end":1219.36},{"sentences":[{"text":"That's okay.","start":1223.66,"end":1224.48,"sentiment":"neutral","sentiment_score":-0.13126985728740692},{"text":"I believe that just, honestly, based on your trajectory, contributions, and growth that you should be able to fully fund that initial goal you had with us of about 700 a week after tax purely and simply from the circle without relying on on the age pension.","start":1224.9401,"end":1240.015,"sentiment":"positive","sentiment_score":0.5681075610696001},{"text":"So I'll just put that in there, but just the caveat that it won't include anything to do with SendLink, just some general information.","start":1243.115,"end":1249.33,"sentiment":"neutral","sentiment_score":-0.018495168614511687},{"text":"Cool.","start":1252.35,"end":1252.85,"sentiment":"positive","sentiment_score":0.34987106919288635},{"text":"The other thing too, so in that pack that I've sent you, there's a couple of extra documents there.","start":1253.47,"end":1257.555,"sentiment":"neutral","sentiment_score":0.06532686066470648}],"sentiment":"neutral","sentiment_score":0.2966205702233379,"num_words":93,"start":1223.66,"end":1257.555},{"sentences":[{"text":"We have updated our service guide with a new FSG.","start":1257.795,"end":1262.135,"sentiment":"neutral","sentiment_score":0.0967729426920414},{"text":"So when you skip through those documents, you'll see a Vanguard chart, big red beautiful chart of the stock market, and then a service guide with our updated license information, all that kind of thing.","start":1262.515,"end":1274.6,"sentiment":"neutral","sentiment_score":0.10169439698968614},{"text":"If you can, on that service guide document, if you go down quite a few pages, I'm looking for the tiered fee structure for you because we've been we've updated our fee structure.","start":1275.06,"end":1287.895,"sentiment":"neutral","sentiment_score":0.049460403846971916},{"text":"When you get down to about the thirteenth page, you'll see another document in that same spot, very similar blue banner saying financial services guide rather than the Oakview services guide.","start":1290.915,"end":1304.15,"sentiment":"neutral","sentiment_score":0.05089803160198273},{"text":"Yep.","start":1304.15,"end":1304.65,"sentiment":"neutral","sentiment_score":0.06953069567680359}],"sentiment":"neutral","sentiment_score":0.07096905748952519,"num_words":110,"start":1257.795,"end":1304.65},{"sentences":[{"text":"Now if you go down one, two, three, four more pages, you'll see some tables there.","start":1305.11,"end":1311.61,"sentiment":"neutral","sentiment_score":0.045679078553803265},{"text":"So with the new fee structure, we've included discounts for clients who are above 200,000 and then further discounts above 500,000 on the percentage fee.","start":1314.535,"end":1324.475,"sentiment":"neutral","sentiment_score":0.11827516213059425},{"text":"So because you are sitting at $40.05, I believe sorry.","start":1324.615,"end":1328.855,"sentiment":"neutral","sentiment_score":0.09625935405492783},{"text":"4 35, I've put in place the new fee structure for this twelve month consent form.","start":1328.855,"end":1335.4199,"sentiment":"neutral","sentiment_score":0.14587568817660213},{"text":"And as soon as you go above that 500,000 at the next review, potentially, we would apply that next tier to it as well.","start":1335.7999,"end":1344.015,"sentiment":"neutral","sentiment_score":0.17496034658203521}],"sentiment":"neutral","sentiment_score":0.12289447449966447,"num_words":91,"start":1305.11,"end":1344.015},{"sentences":[{"text":"So I guess my my closing question is, are you comfortable for us to continue looking after your super?","start":1348.075,"end":1353.535,"sentiment":"neutral","sentiment_score":0.08992748550678555},{"text":"From here, basically, I will get the research completed with the team over the next couple of weeks, put together your updated plan, and then I believe you would have spoken to Michelle previously for the review booking.","start":1358.9,"end":1371.64,"sentiment":"neutral","sentiment_score":0.160873725029983},{"text":"She'll just get you booked in to run through that place with me.","start":1372.4451,"end":1375.345,"sentiment":"neutral","sentiment_score":0.2699358256963583},{"text":"Amazing.","start":1378.765,"end":1379.265,"sentiment":"positive","sentiment_score":0.6861122250556946},{"text":"Any questions for me before I let you go?","start":1379.645,"end":1381.665,"sentiment":"neutral","sentiment_score":0.3017299324274063}],"sentiment":"neutral","sentiment_score":0.1841583890840411,"num_words":80,"start":1348.075,"end":1381.665},{"sentences":[{"text":"In the interim, if there is any other assistance you need, if anything happens on the insurance side and you need any information or advice, please let us know.","start":1388.03,"end":1397.79,"sentiment":"neutral","sentiment_score":0.07638042908290336},{"text":"We'd be happy to help.","start":1397.79,"end":1399.01,"sentiment":"positive","sentiment_score":0.46659168004989626},{"text":"But, hopefully, they they look after you and and get you back nice and smooth.","start":1399.07,"end":1402.965,"sentiment":"positive","sentiment_score":0.4530631979306539},{"text":"Up.","start":1407.605,"end":1407.765,"sentiment":"neutral","sentiment_score":0.1921994388103485},{"text":"Absolutely.","start":1407.765,"end":1408.265,"sentiment":"neutral","sentiment_score":0.26726406812667847}],"sentiment":"neutral","sentiment_score":0.23143926116765715,"num_words":51,"start":1388.03,"end":1408.265},{"sentences":[{"text":"Michelle, I'll leave this pack with you.","start":1409.0449,"end":1410.725,"sentiment":"neutral","sentiment_score":0.15112493187189102},{"text":"There's only one document to sign for the consent for Hub '24, and and then I'll be talking to you in a couple of weeks' time.","start":1410.725,"end":1419.47,"sentiment":"neutral","sentiment_score":0.07528871111571789},{"text":"Yeah.","start":1429.915,"end":1430.155,"sentiment":"neutral","sentiment_score":0.0618467703461647},{"text":"That's the one.","start":1430.155,"end":1430.955,"sentiment":"neutral","sentiment_score":0.07543980826934178},{"text":"So when you get to the bottom of that document, there's usually the buttons on the side to start, or you can actually just click on them.","start":1430.955,"end":1438.155,"sentiment":"neutral","sentiment_score":0.03722032794245967}],"sentiment":"neutral","sentiment_score":0.06732025096425787,"num_words":64,"start":1409.0449,"end":1438.155},{"sentences":[{"text":"And what it will do is it'll stamp a signature and a date on that.","start":1438.155,"end":1442.22,"sentiment":"neutral","sentiment_score":0.061622835447390875},{"text":"If you would like to draw the signature, you just click on it a second time, and it will allow you to draw it just to match, you know, your ID and so on.","start":1442.7,"end":1450.1599,"sentiment":"neutral","sentiment_score":0.07877936751088675},{"text":"At the end of that, there will be a validate button to send a signed copy to both yourself and to.","start":1450.38,"end":1457.52,"sentiment":"neutral","sentiment_score":0.0786940169831117},{"text":"And do bear in mind, it sometimes takes a minute or two to load.","start":1469.6449,"end":1473.52,"sentiment":"neutral","sentiment_score":-0.2307772891862052},{"text":"Once you hit validate, it may spin there for a good thirty seconds.","start":1473.5801,"end":1476.86,"sentiment":"neutral","sentiment_score":-0.09543769262157954}],"sentiment":"neutral","sentiment_score":0.008080859082875792,"num_words":97,"start":1438.155,"end":1476.86},{"sentences":[{"text":"So there's just a lot of pages that get uploaded.","start":1476.86,"end":1479.84,"sentiment":"neutral","sentiment_score":-0.011758861504495144},{"text":"Perfect.","start":1512.825,"end":1513.305,"sentiment":"neutral","sentiment_score":0.19427907466888428},{"text":"So, Michelle, that has come through signed a lot.","start":1513.305,"end":1515.965,"sentiment":"positive","sentiment_score":0.4924171368281047},{"text":"Thank you very much for doing that.","start":1516.345,"end":1518.125,"sentiment":"positive","sentiment_score":0.8185239349092756},{"text":"You should get a pretty quick email with a signed copy for yourself as well.","start":1518.505,"end":1522.38,"sentiment":"positive","sentiment_score":0.5646962185700735}],"sentiment":"positive","sentiment_score":0.44544179795221206,"num_words":42,"start":1476.86,"end":1522.38},{"sentences":[{"text":"Perfect.","start":1525.66,"end":1526.16,"sentiment":"positive","sentiment_score":0.7298905253410339},{"text":"Again, thank you so much for your time today.","start":1526.7,"end":1528.78,"sentiment":"positive","sentiment_score":0.80126377609041},{"text":"Is there anything else I can help with before I let you go?","start":1528.78,"end":1531.52,"sentiment":"neutral","sentiment_score":0.3122485096638019},{"text":"Perfect.","start":1536.38,"end":1536.88,"sentiment":"positive","sentiment_score":0.6144614219665527},{"text":"I will talk to you in a couple of weeks.","start":1537.763,"end":1539.763,"sentiment":"positive","sentiment_score":0.3540377616882324}],"sentiment":"positive","sentiment_score":0.47515688748920665,"num_words":34,"start":1525.66,"end":1539.763},{"sentences":[{"text":"Thank you so much.","start":1539.763,"end":1540.6628,"sentiment":"positive","sentiment_score":0.7414592206478119},{"text":"Thanks","start":1544.0829,"end":1544.5829,"sentiment":"neutral","sentiment_score":-0.12189315259456636}],"sentiment":"positive","sentiment_score":0.5687887459993363,"num_words":5,"start":1539.763,"end":1544.5829}]}}]},{"alternatives":[{"transcript":"Thank you. Yeah. Yeah. Sure. I'm free. Mhmm. Yeah. Sure. Oh, I think it's Waller. Yeah. Yes. Fine. Mhmm. I can look at them today. Yes. Yes. I have. Yeah. No. I'm going well. I'm hoping to be back at work soon. I've started the process to try and get back to work. Yeah. Yeah. Yeah. It was a bit difficult, but, yeah, it's getting it seems to be a bit more difficult to try and get back to work. They're being a bit awkward. No. It's work itself. They're they're wanting me to have a independent medical assessment done. They're not, yeah, they're not going by what my psychiatrist has said. They they don't they want an independent. So yeah. So I've gotta wait four weeks to try and yeah. I've gotta wait four weeks to try and get that done, and then it'll probably be another thirty days for the report and all that sort of stuff. So it's been a bit a bit painful trying to get back into work when I'm all ready to go. Thank you. Okay. Yep. It it turned out to be a bit longer than it should have been. We did have mainly because I hadn't been well sort of the year before, and I'd been sort of doing a return to work, and they wanted to figure out when my claim should go from. So it took them a while. Had to do an an independent medical assessment with those guys as well, And it it took several months before they actually made the payment, but then they backdated it, which was okay. Yeah. Yeah. Yeah. Mhmm. Yep. Yeah. That sounds about right. Yeah. Yeah. Yeah. Yeah. There's 12 v's between us. So yeah. I've been I've been to England, but, of course, I wanna go back again because it's that's where my family's from. So they'll we'll be doing that again, definitely. I did buy a car. I rent did it through RemServ. So I'll probably, yeah, I'll probably do be doing that again once I'm back at work more steady again because it the car is six years old now, so I'll probably be trading that in and and getting a new model. Yeah. Yeah. Yes. Yeah. No rent serv at the moment. That's that's yeah. That got paid off. Yeah. Mhmm. Yep. It could be. It could be. I've I haven't had it assessed, so I couldn't tell you what the price was. It could be more. Okay. Yeah. That sounds good. Mhmm. Yeah. My husband's car, which probably I'd be lucky if they, yeah, they might have to pay them money to take it with his car. And then we've got a boat with with we just bought a new motor for the boat, so that's like a $5,000 boat. Yeah. I think it's yeah. Probably a bit more in in the savings around the 20 mark now at the moment. And we did end up, unfortunately, because of being off work, having to go through some of that. But, we're sort of, yeah, building it back up again. No. No. We've got the cryptocurrency still. It's worth $2,000 at the moment. Oh, that should be actually, that that's probably the only thing we don't haven't paid off. I think it's due very soon. I think I've only got, like, a couple of payments to go, to be honest. Oh, yeah. Yeah. Yeah. Yep. Yeah. Yeah. I'll be back to my normal wage. Yeah. Yep. Mhmm. Yeah. We have a bill. Yeah. No. No. Yes. Yes. Definitely. Mhmm. Yep. No. Not really. No. I think that's about it. Yes. Yes. I have. Yes. I have. Yep. Mhmm. Mhmm. Oh, if I could see it, my eyesight is pretty bad. Yeah. I see the HUB 24 and then q suit. Yeah. And insurance is q suit. Mhmm. Okay. Yeah. Mhmm. Yep. Yep. Yeah. Probably just leave it as it is. That's fine. That's lovely. Mhmm. Yep. Oh, it's even harder to read. Mhmm. Yeah. Mhmm. Yeah. I think so. Yeah. Mhmm. Yep. Yeah. Okay. Mhmm. Yes. Yes. Mhmm. Mhmm. Okay. Yep. Okay. Mhmm. Yes. Mhmm. Mhmm. Yep. Yeah. Yep. I think so. Yeah. Mhmm. Yep. Yep. Sounds good. Mhmm. Yes. Not too sure, actually. Probably probably the higher return would be good. Mhmm. Mhmm. Yeah. Yeah. Probably just what works doing. But I I think you can actually salary sacrifice my because I put contributions in as well. Being government, they put in a percentage of my wage. I think I can salary sacrifice that, which makes it better, which I I haven't done. Okay. Okay. I'll see what I can do. Mhmm. Thank you. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yep. That's fine. No. No. Nothing I can think of. Mhmm. No. Not Yeah. No. Unfortunately, I don't. No. Mhmm. Yes. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Okay. Yeah. Mhmm. Yep. Yep. It's mhmm. Yep. Yes. Mhmm. Yep. Ma'am. Mhmm. Yeah. Yep. Yep. Yeah. Quite fine. Mhmm. Yep. Yep. Mhmm. Right. No. Nothing I can think of. Mhmm. Yep. Yeah. Yep. Hopefully, fingers crossed. Mhmm. Mhmm. Yeah. So I see that consent done the ongoing I just copied it. Is it? Mhmm. Yep. Yep. Okay. So that's sign. Day. I should have my glasses on. This is terrible. Yeah. Okay. Yep. It's working. It's doing its thing. Yep. Mhmm. Right. No. Nothing at all. Thank you. K. Great. Thanks. Talk to you then. 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you. Yeah. Yeah. Sure. I'm free.\n\nMhmm. Yeah. Sure. Oh, I think it's Waller. Yeah.\n\nYes. Fine. Mhmm. I can look at them today. Yes.\n\nYes. I have. Yeah. No. I'm going well.\n\nI'm hoping to be back at work soon. I've started the process to try and get back to work. Yeah. Yeah. Yeah.\n\nIt was a bit difficult, but, yeah, it's getting it seems to be a bit more difficult to try and get back to work. They're being a bit awkward. No. It's work itself. They're they're wanting me to have a independent medical assessment done.\n\nThey're not, yeah, they're not going by what my psychiatrist has said. They they don't they want an independent. So yeah. So I've gotta wait four weeks to try and yeah. I've gotta wait four weeks to try and get that done, and then it'll probably be another thirty days for the report and all that sort of stuff.\n\nSo it's been a bit a bit painful trying to get back into work when I'm all ready to go. Thank you. Okay. Yep. It it turned out to be a bit longer than it should have been.\n\nWe did have mainly because I hadn't been well sort of the year before, and I'd been sort of doing a return to work, and they wanted to figure out when my claim should go from. So it took them a while. Had to do an an independent medical assessment with those guys as well, And it it took several months before they actually made the payment, but then they backdated it, which was okay. Yeah. Yeah.\n\nYeah. Mhmm. Yep. Yeah. That sounds about right.\n\nYeah. Yeah. Yeah. Yeah. There's 12 v's between us.\n\nSo yeah. I've been I've been to England, but, of course, I wanna go back again because it's that's where my family's from. So they'll we'll be doing that again, definitely. I did buy a car. I rent did it through RemServ.\n\nSo I'll probably, yeah, I'll probably do be doing that again once I'm back at work more steady again because it the car is six years old now, so I'll probably be trading that in and and getting a new model. Yeah. Yeah. Yes. Yeah.\n\nNo rent serv at the moment. That's that's yeah. That got paid off. Yeah. Mhmm.\n\nYep. It could be. It could be. I've I haven't had it assessed, so I couldn't tell you what the price was. It could be more.\n\nOkay. Yeah. That sounds good. Mhmm. Yeah.\n\nMy husband's car, which probably I'd be lucky if they, yeah, they might have to pay them money to take it with his car. And then we've got a boat with with we just bought a new motor for the boat, so that's like a $5,000 boat. Yeah. I think it's yeah. Probably a bit more in in the savings around the 20 mark now at the moment.\n\nAnd we did end up, unfortunately, because of being off work, having to go through some of that. But, we're sort of, yeah, building it back up again. No. No. We've got the cryptocurrency still.\n\nIt's worth $2,000 at the moment. Oh, that should be actually, that that's probably the only thing we don't haven't paid off. I think it's due very soon. I think I've only got, like, a couple of payments to go, to be honest. Oh, yeah.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nI'll be back to my normal wage. Yeah. Yep. Mhmm. Yeah.\n\nWe have a bill. Yeah. No. No. Yes.\n\nYes. Definitely. Mhmm. Yep. No.\n\nNot really. No. I think that's about it. Yes. Yes.\n\nI have. Yes. I have. Yep. Mhmm.\n\nMhmm. Oh, if I could see it, my eyesight is pretty bad. Yeah. I see the HUB 24 and then q suit. Yeah.\n\nAnd insurance is q suit. Mhmm. Okay. Yeah. Mhmm.\n\nYep. Yep. Yeah. Probably just leave it as it is. That's fine.\n\nThat's lovely. Mhmm. Yep. Oh, it's even harder to read. Mhmm.\n\nYeah. Mhmm. Yeah. I think so. Yeah.\n\nMhmm. Yep. Yeah. Okay. Mhmm.\n\nYes. Yes. Mhmm. Mhmm. Okay.\n\nYep. Okay. Mhmm. Yes. Mhmm.\n\nMhmm. Yep. Yeah. Yep. I think so.\n\nYeah. Mhmm. Yep. Yep. Sounds good.\n\nMhmm. Yes. Not too sure, actually. Probably probably the higher return would be good. Mhmm.\n\nMhmm. Yeah. Yeah. Probably just what works doing. But I I think you can actually salary sacrifice my because I put contributions in as well.\n\nBeing government, they put in a percentage of my wage. I think I can salary sacrifice that, which makes it better, which I I haven't done. Okay. Okay. I'll see what I can do.\n\nMhmm. Thank you. Mhmm. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. That's fine.\n\nNo. No. Nothing I can think of. Mhmm. No.\n\nNot Yeah. No. Unfortunately, I don't. No. Mhmm.\n\nYes. Yep. Yep. Mhmm. Yep.\n\nYep. Mhmm. Okay. Yeah. Mhmm.\n\nYep. Yep. It's mhmm. Yep. Yes.\n\nMhmm. Yep. Ma'am. Mhmm. Yeah.\n\nYep. Yep. Yeah. Quite fine. Mhmm.\n\nYep. Yep. Mhmm. Right. No.\n\nNothing I can think of. Mhmm. Yep. Yeah. Yep.\n\nHopefully, fingers crossed. Mhmm. Mhmm. Yeah. So I see that consent done the ongoing I just copied it.\n\nIs it? Mhmm. Yep. Yep. Okay.\n\nSo that's sign. Day. I should have my glasses on. This is terrible. Yeah.\n\nOkay. Yep. It's working. It's doing its thing. Yep.\n\nMhmm. Right. No. Nothing at all. Thank you.\n\nK. Great. Thanks. Talk to you then. Bye bye.","paragraphs":[{"sentences":[{"text":"Thank you.","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.4892628788948059},{"text":"Yeah.","start":13.92,"end":14.24,"sentiment":"neutral","sentiment_score":0.07171334326267242},{"text":"Yeah.","start":14.24,"end":14.48,"sentiment":"neutral","sentiment_score":0.09592794626951218},{"text":"Sure.","start":14.48,"end":14.799999,"sentiment":"neutral","sentiment_score":0.16450235247612},{"text":"I'm 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to be back at work soon.","start":79.024994,"end":81.185,"sentiment":"neutral","sentiment_score":-0.06351495208218694},{"text":"I've started the process to try and get back to work.","start":81.185,"end":83.89,"sentiment":"neutral","sentiment_score":-0.06985892389308322},{"text":"Yeah.","start":88.990005,"end":89.490005,"sentiment":"neutral","sentiment_score":-0.09994839876890182},{"text":"Yeah.","start":89.55,"end":89.950005,"sentiment":"neutral","sentiment_score":-0.09559784829616548},{"text":"Yeah.","start":89.950005,"end":90.350006,"sentiment":"neutral","sentiment_score":-0.12972131371498108}],"sentiment":"neutral","sentiment_score":-0.07281069728461179,"num_words":22,"start":79.024994,"end":90.350006},{"sentences":[{"text":"It was a bit difficult, but, yeah, it's getting it seems to be a bit more difficult to try and get back to work.","start":90.350006,"end":95.310005,"sentiment":"neutral","sentiment_score":-0.260154581318299},{"text":"They're being a bit 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you.","start":136.39499,"end":137.135,"sentiment":"positive","sentiment_score":0.41597214341163635},{"text":"Okay.","start":146.31,"end":146.81,"sentiment":"neutral","sentiment_score":0.0284716859459877},{"text":"Yep.","start":147.43,"end":147.93,"sentiment":"neutral","sentiment_score":0.0970706343650818},{"text":"It it turned out to be a bit longer than it should have been.","start":164.245,"end":167.545,"sentiment":"neutral","sentiment_score":-0.2936719964657511}],"sentiment":"neutral","sentiment_score":-0.27983794224105385,"num_words":38,"start":125.14,"end":167.545},{"sentences":[{"text":"We did have mainly because I hadn't been well sort of the year before, and I'd been sort of doing a return to work, and they wanted to figure out when my claim should go from.","start":168.485,"end":180.48,"sentiment":"neutral","sentiment_score":-0.1668604366067383},{"text":"So it took them a 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you.","start":1533.7101,"end":1534.4501,"sentiment":"positive","sentiment_score":0.3910595774650574}],"sentiment":"neutral","sentiment_score":0.08214825298637152,"num_words":8,"start":1522.725,"end":1534.4501},{"sentences":[{"text":"K.","start":1540.6229,"end":1540.9429,"sentiment":"neutral","sentiment_score":0.2366989254951477},{"text":"Great.","start":1540.9429,"end":1541.183,"sentiment":"positive","sentiment_score":0.7120028734207153},{"text":"Thanks.","start":1541.183,"end":1541.5029,"sentiment":"positive","sentiment_score":0.6428287625312805},{"text":"Talk to you then.","start":1541.5029,"end":1542.143,"sentiment":"positive","sentiment_score":0.5047497227787971},{"text":"Bye bye.","start":1542.143,"end":1542.8829,"sentiment":"neutral","sentiment_score":0.24653078615665436}],"sentiment":"positive","sentiment_score":0.45595455831951565,"num_words":9,"start":1540.6229,"end":1542.8829}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Michelle. It's Tommy here, senior adviser from OQ. How are you doing?\n\nChannel 1: Thank you.\n\nChannel 0: I'm just giving you a call to go through your annual review if you still have\n\nChannel 1: Yeah. Yeah. Sure. I'm\n\nChannel 0: some\n\nChannel 1: free.\n\nChannel 0: time. Amazing. Amazing. Just before I dive into it, I've got a bit of an email pack to send out to you, and I'll just go through a quick security check with you if that's okay.\n\nChannel 1: Mhmm. Yeah. Sure.\n\nChannel 0: Perfect. We have a client password on file if you recall what that is.\n\nChannel 1: Oh, I think it's Waller.\n\nChannel 0: Correct. That's right. Mother's maiden name.\n\nChannel 1: Yeah.\n\nChannel 0: Amazing. And are you okay for the call to be recorded?\n\nChannel 1: Yes. Fine.\n\nChannel 0: Perfect. Perfect. Now I've got your Gmail account listed for the emails with Oakview. Will\n\nChannel 1: Mhmm.\n\nChannel 0: you be able to look onto the emails with me today, or shall I just walk you through what's coming\n\nChannel 1: I can look at them today. Yes.\n\nChannel 0: through? Perfect. Before I go through that pack with you, I just wanted to update a few details because\n\nChannel 1: Yes.\n\nChannel 0: the team let\n\nChannel 1: I\n\nChannel 0: me know that you've been on an income protection claim.\n\nChannel 1: have.\n\nChannel 0: I just, first of all, wanted to see how you're doing and if there was\n\nChannel 1: Yeah.\n\nChannel 0: anything that you needed from us.\n\nChannel 1: No. I'm going well. I'm hoping to be back at work soon. I've started the process to try and get back to work.\n\nChannel 0: Amazing. So it's been a bit of a trying nine months or so?\n\nChannel 1: Yeah. Yeah. Yeah. It was a bit difficult, but, yeah, it's getting it seems to be a bit more difficult to try and get back to work. They're being a bit awkward.\n\nChannel 0: Is that in terms of, like, the insurer and the doctors? Or\n\nChannel 1: No. It's work itself. They're they're wanting me to have a independent medical assessment\n\nChannel 0: oh.\n\nChannel 1: done. They're not, yeah, they're not going by what my psychiatrist has said. They they don't they want an independent. So yeah. So I've gotta\n\nChannel 0: The\n\nChannel 1: wait\n\nChannel 0: joys\n\nChannel 1: four\n\nChannel 0: and\n\nChannel 1: weeks\n\nChannel 0: fun.\n\nChannel 1: to try and yeah. I've gotta wait four weeks to try and get that done, and then it'll probably be another thirty days for the report and all that sort of stuff. So it's been a bit a bit painful trying to get back into work when I'm all ready to go.\n\nChannel 0: Oh, no. Well, I'll try and make sure that we're the the least painful part of your your lunch at the moment.\n\nChannel 1: Thank you.\n\nChannel 0: I'll pop this through to you. It won't take too long to go through. If this is your first time using our new system, it may go to your spam folder, though. Just a bit of a\n\nChannel 1: Okay.\n\nChannel 0: heads up.\n\nChannel 1: Yep.\n\nChannel 0: So I'm gonna pop that through now. And how did you find the claims experience? Because I know you've got a pretty decent income protection policy. Did it go through pretty smoothly, or was it a a long process?\n\nChannel 1: It it turned out to be a bit longer than it should have been. We did have mainly because I hadn't been well sort of the year before, and I'd been sort of doing a return to work, and they wanted to figure out when my claim should go from. So it took them a while. Had to do an an independent medical assessment with those guys as well, And it it took several months before they actually made the payment, but then they backdated it, which was okay.\n\nChannel 0: Yeah. Oh, good. So it sort of caught up on on the payments from the date of the claim start.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: That's fantastic. A couple of details that I'm gonna update today. I really just wanna get a a quick chat around your your goals that we've been\n\nChannel 1: Mhmm.\n\nChannel 0: tracking since becoming a client. Obviously, I understand that you're in a bit of a holding pattern returning to work at the moment,\n\nChannel 1: Yep.\n\nChannel 0: But we did have you having basically like a a northern star goal to try and retire as early as possible towards age 60 as soon as you can access it. So but does that still sound correct?\n\nChannel 1: Yeah. That sounds about right. Yeah.\n\nChannel 0: Perfect. And we've got you and your partner on a bit of a staggered retirement because I think Gary is gonna retire within the next sort of three or four years or so likely?\n\nChannel 1: Yeah. Yeah. Yeah. There's 12 v's between us. So yeah.\n\nChannel 0: Perfect. We did have a couple of goals around this, obviously, going to England to visit some family, buying cars. Have you managed to sort of tick any of those off just yet, or are they still on the card?\n\nChannel 1: I've been I've been to England, but, of course, I wanna go back again because it's that's where my family's from.\n\nChannel 0: Yeah.\n\nChannel 1: So they'll we'll be doing that again, definitely. I did buy a car. I rent did it through RemServ. So\n\nChannel 0: Oh,\n\nChannel 1: I'll\n\nChannel 0: yeah.\n\nChannel 1: probably, yeah, I'll probably do be doing that again once I'm back at work more steady again because it the car is six years old now, so I'll probably be trading that in and and\n\nChannel 0: Need\n\nChannel 1: getting\n\nChannel 0: an\n\nChannel 1: a\n\nChannel 0: upgrade.\n\nChannel 1: new model. Yeah. Yeah.\n\nChannel 0: Oh, cool. It seems like you're pretty well across the board debt free from what I can see as far as mortgage, car\n\nChannel 1: Yes.\n\nChannel 0: loans, and everything except for, obviously, rent service.\n\nChannel 1: Yeah. No\n\nChannel 0: Is\n\nChannel 1: rent\n\nChannel 0: that\n\nChannel 1: serv\n\nChannel 0: still\n\nChannel 1: at the\n\nChannel 0: okay?\n\nChannel 1: moment. That's that's yeah. That got paid off. Yeah.\n\nChannel 0: Perfect. Okay. So if you don't mind, can I just quickly update the assets that we have on file?\n\nChannel 1: Mhmm.\n\nChannel 0: So I've got the the home was valued at about 550,000 at Logan Reserve there. Do you know if that's\n\nChannel 1: Yep.\n\nChannel 0: jumped up a lot? I know the market's been a bit up and down lately.\n\nChannel 1: It could be. It could be. I've I haven't had it assessed, so I couldn't tell you what the price was. It could be more.\n\nChannel 0: I'm just having a look at a quick online estimate, and they seem to think we're sitting at around 898,000, if that sounds\n\nChannel 1: Okay.\n\nChannel 0: okay for you.\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: We did have a $25,000 car and a couple of smaller lower value cars as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: you've got the the current one. Do you still have a couple of others floating around as well? Or\n\nChannel 1: Yeah. My husband's car, which probably I'd be lucky if they, yeah, they might have to pay them money to take it with his car. And then we've got a boat with with we just bought a new motor for the boat, so that's like a $5,000 boat.\n\nChannel 0: Perfect. And we had about 18,000 in savings and about a thousand dollars in cryptocurrency.\n\nChannel 1: Yeah. I think it's yeah. Probably a bit more in in the savings around the 20 mark now at the moment. And\n\nChannel 0: Yep.\n\nChannel 1: we did end up, unfortunately, because of being off work, having to go through some of that. But,\n\nChannel 0: Yes.\n\nChannel 1: we're sort of, yeah, building it back up again.\n\nChannel 0: Perfect. And did you end up selling the cryptocurrency off at that time as well?\n\nChannel 1: No. No. We've got the cryptocurrency still. It's worth $2,000 at the moment.\n\nChannel 0: Perfect. And you did mention before that the did you had a hearing aid loan and that's been paid off?\n\nChannel 1: Oh, that should be actually, that that's probably the only thing we don't haven't paid off. I think it's due very soon. I think I've only got, like, a couple of payments to go, to be honest.\n\nChannel 0: So, like, under $1,000 kind of thing?\n\nChannel 1: Oh, yeah. Yeah. Yeah.\n\nChannel 0: Perfect. Thank you so much for that. Last couple of detailed update is just in terms of the the occupation. We we had you as a senior training officer, and I'm just wondering\n\nChannel 1: Yep.\n\nChannel 0: when you return back to work, will you be going back to that kind of $100,000 full time income? What does it\n\nChannel 1: Yeah.\n\nChannel 0: look like?\n\nChannel 1: Yeah. I'll be back to my normal wage. Yeah.\n\nChannel 0: Yeah. So QSuper income protection at the moment, back to that same wage. Perfect. Thank you. And I think that's about it.\n\nWe've got the two children over the age of\n\nChannel 1: Yep.\n\nChannel 0: 18.\n\nChannel 1: Mhmm.\n\nChannel 0: And just in terms of the state planning, did you put in place a will or a power of attorney since we last\n\nChannel 1: Yeah. We have a bill. Yeah.\n\nChannel 0: spoke? Perfect. And do you know if you included, like, a power an enduring power of attorney when you set that up?\n\nChannel 1: No. No.\n\nChannel 0: Oh, I'll get that updated. And we do have Gary listed as your beneficiary for the super. I'm assuming you still want him on there.\n\nChannel 1: Yes. Yes. Definitely.\n\nChannel 0: K. Perfect. Perfect. Perfect. So the two main things to cover today is obviously the insurances just to make sure that they stay in force and then just to go through the superannuation together.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Do you have any questions for me or anything to focus on outside of that?\n\nChannel 1: No. Not really. No. I think that's about it.\n\nChannel 0: Awesome. Have you gotten that email that I've sent through to you with your review\n\nChannel 1: Yes.\n\nChannel 0: pack? Might be\n\nChannel 1: Yes.\n\nChannel 0: helpful\n\nChannel 1: I\n\nChannel 0: with the visuals.\n\nChannel 1: have. Yes. I have. Yep.\n\nChannel 0: So so with the new system, if you hit that blue sign button, it'll bring open five documents to scroll through with me,\n\nChannel 1: Mhmm.\n\nChannel 0: and I just wanna kind of walk you through what I'm seeing.\n\nChannel 1: Mhmm.\n\nChannel 0: Now first one, you should see the summary of super insurance with the o three letterhead, and you should be able to see that come 24 q super listed on there.\n\nChannel 1: Oh, if I could see it, my eyesight is pretty bad. Yeah. I see the HUB 24 and then q suit. Yeah. And insurance is q suit.\n\nChannel 0: Yeah. Perfect. Now with the q super so you're on the account protection claim at the moment. One\n\nChannel 1: Mhmm.\n\nChannel 0: thing that I would like to keep an eye on is that once you've returned to work, if they make any alterations to the policies, premiums, or anything like that, because it was definitely creeping up there in cost as well.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: So what I'm thinking is once you've returned to work, I might do I've already gotten the research, so thank you very much for assisting with that.\n\nChannel 1: Mhmm.\n\nChannel 0: I might just double check if they've made any changes to it. And,\n\nChannel 1: Yep.\n\nChannel 0: essentially, we just need to make sure we keep that in full.\n\nChannel 1: Yep.\n\nChannel 0: There is an option with q two, but they're pretty good if you can fill in a, like, a permanent opt in form. That means they'll never cancel the insurances even if it becomes inactive. But if you are just about to go back to work, the contributions will kick back in, and it will keep it active. So I wanted to run by you if you wanted to make it a 100% safe or just kind of leave it as is, let it go, contributions will keep it going, and there's no concerns in your\n\nChannel 1: Yeah. Probably just leave it as it is. That's fine.\n\nChannel 0: end. Yep. Perfect. So the life insurance and disability, the income protection, leave those as is. There's no trauma cover on that.\n\nIt has built up to 41,666, and your hub 24, I was just looking at it this morning, went from 357,000 to $4.35 since coming on board. So that's just under two and a half years.\n\nChannel 1: That's lovely.\n\nChannel 0: Now if you have a look at the buttons on that Odoo sign, there should be a\n\nChannel 1: Mhmm.\n\nChannel 0: button saying next document there.\n\nChannel 1: Yep. Oh, it's\n\nChannel 0: And\n\nChannel 1: even harder\n\nChannel 0: I\n\nChannel 1: to\n\nChannel 0: know\n\nChannel 1: read.\n\nChannel 0: this one's probably a little bit painful. It's a performance table with about a million figures on it if you can make any\n\nChannel 1: Mhmm.\n\nChannel 0: of these out.\n\nChannel 1: Yeah.\n\nChannel 0: Mhmm. Now what I wanted to kind of show you was a couple things I'm looking at. So you're in a we call it like a growth risk profile. If this rings a bell that you've got about 80% in growth assets, like shares, property, and gold, and 20\n\nChannel 1: Mhmm.\n\nChannel 0: percent in the state of side of things. Does that sort of ring a bell from when you came on board?\n\nChannel 1: Yeah. I think so. Yeah.\n\nChannel 0: Yes. So with the growth risk profile, normally, you wanna have around about seven to nine years as an investment time frame because it's slightly above medium risk. It's not high risk, but it's trying to get the primarily focusing on capital growth, obviously finish off the growth of your super. Now you need an average return of at least 9%\n\nChannel 1: Mhmm.\n\nChannel 0: to kind of justify the risk level that you're taking, if that makes sense.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Your QSuper has had a decent ish year, but the last sort of five years or so, they haven't been able to get above 5% the last five years in that growth portfolio. So it's kind\n\nChannel 1: Okay.\n\nChannel 0: of dragging its feet a little bit, but the contributions are going in, which is boosting that up as well. The second page on that\n\nChannel 1: Mhmm.\n\nChannel 0: report, it brings it all down into one line item, and you should be able to see on the very right hand side the net return of the total hub portfolio.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Excuse me. So 23% for the last sort of two and a bit years works out to be just over 10% after\n\nChannel 1: Mhmm.\n\nChannel 0: fees. So it's tracking quite nicely overall, about 95,000 worth of total growth, not including contributions. There is a couple of things I would like to fix up. I know you're you're obviously focusing on the return to work, but given what's happened with the the legislation around the property market, I don't know if you've seen what happened to Apple game tax and negative gearing.\n\nChannel 1: Mhmm.\n\nChannel 0: We are probably looking at replacing the property option within your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: It has had some pretty solid growth, but it's starting to kind of drop quite quickly. And\n\nChannel 1: Yep.\n\nChannel 0: because it focuses on property companies, it's not doing as well as the actual property market is,\n\nChannel 1: Okay.\n\nChannel 0: which isn't doing the best either. K? The other one too is the Benelon option. Your Australian shares hasn't been doing too well. Every\n\nChannel 1: Mhmm.\n\nChannel 0: other option there has been hitting really high double digits. You've got, you know, gold and electric vehicles up 60%, which is amazing, but\n\nChannel 1: Yes.\n\nChannel 0: Benelon has dragged its feet. So I would be looking to replace that one as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And the last one is the you've got two term deposit options, quite safe ones, but the government is kind of saving one of them out as a type of term deposit. So that'll happen over the next three years. So I just wanna get ahead of the curve and get that one updated as well.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Now the question that I've got for you is so overall portfolio is doing well. The growth risk profile, we're sort of hitting those benchmarks. The two questions that I've got are, are you still okay with this idea of focusing on finishing off the last few years of growth to get as much as we can. And then maybe when you're a bit closer to retirement, we can start to reduce that risk level down to protect what you've built.\n\nChannel 1: Yeah. Yep. I think so. Yeah.\n\nChannel 0: Yeah. Mentioned before that sort of seven to nine year time frame. So what I'm sort of thinking is that if we get a good return next year, it might be a good time to start slowly reducing that down from the 80% to seventy, sixty, fifty, forty over about a\n\nChannel 1: Mhmm.\n\nChannel 0: seven year period.\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Cool? Yep. The only other question I had for you, and this is just purely because Hub twenty four has the most investment options in the industry. It's about 1,300 that we've been assessed through.\n\nChannel 1: Mhmm.\n\nChannel 0: We can replace some of these options with two different styles, and I really just wanted to see if you had, like, a a gut feeling or a personal preference between the two styles. Are you familiar with the terms active and passive?\n\nChannel 1: Yes.\n\nChannel 0: Cool. So we can replace, for example, that ban on option with a a lower fee passive option, or we can replace it with another active option that is a bit higher fee but tries to get a higher return. Which way do you lean between the two, Michelle?\n\nChannel 1: Not too sure, actually. Probably probably the higher return would be good.\n\nChannel 0: Yep. So what I basically need to do there is find a a like for like replacement for those that you do have. It is a bit of a blend of both, but I can we've already been researching some options there that I can do a comparison for.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: So what I'll basically do is I'll put together an updated statement of advice with you with some updated projections, and I'll include in there what I'm thinking of included. I do have to run it by you, of course, and and get your consent before we change anything.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. The last two sort of questions on the super side of it is in terms of contributions, when you return back to work, do you want me to look at any type of salary sacrifice arrangement or just based off what work is putting in?\n\nChannel 1: Probably just what works doing. But I I think you can actually salary sacrifice my because I put contributions in as well. Being government, they put in a percentage\n\nChannel 0: Yep.\n\nChannel 1: of my wage. I think I can salary sacrifice that, which makes it better, which I I haven't done.\n\nChannel 0: Yes. That's the one I was thinking because most of the time when you set up that extra contribution plan, they they would have probably given you, like, a one or two page form, and it automatically defaults to the the non concessional. It's not the salary sacrifice or tax deductible version. It actually is more of a matter of reaching out to payroll because that form default to the kind of wrong type of contribution, and I think\n\nChannel 1: Okay.\n\nChannel 0: payroll can actually convert it over to salary sacrifice for you.\n\nChannel 1: Okay. I'll see what I can do.\n\nChannel 0: So what I'm thinking, if you're okay to kind of when you go back to work, just reach out to them and say, hey.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you guys able to switch this across? If you need any help, information, terminology, an email to kind of go off to that conversation, please let us know, and I can put something together.\n\nChannel 1: Thank you.\n\nChannel 0: Cool. The last thing too, just in terms of the queue server, is we can leave the 41,000 in there to make sure the insurance premiums are paid. I would ideally like to move a small portion across into Hub to get it going a little bit quicker for you, but I can't move too much across because of the the amount the premiums are. I\n\nChannel 1: Mhmm.\n\nChannel 0: need\n\nChannel 1: Yep.\n\nChannel 0: to make\n\nChannel 1: Yep.\n\nChannel 0: sure there's no risk of the insurance as less.\n\nChannel 1: Yep.\n\nChannel 0: So what I'm sort of thinking is I'll do a bit of a cancellation in the updated plan for how much we can safely move across. It may only be about 10,000 or a little bit above, but are you okay with that idea if it works out well?\n\nChannel 1: Mhmm. Yep. Yep. That's fine.\n\nChannel 0: Perfect. So we've got a bit of a plan for the super at the moment. The income will hopefully kick back in soon as well, which is great. Insurances to stay in force. Beneficiaries are fine.\n\nNo will, no power of attorney. Anything else you can think of or any questions at this point?\n\nChannel 1: No. No. Nothing I can think of.\n\nChannel 0: K. When it comes to an analysis of the retirement side of things, because you don't have that kind of decade plus to go, I'm gonna sort of give you an estimate on the income you could receive from the super to fund\n\nChannel 1: Mhmm.\n\nChannel 0: that retirement goal at 60. I would normally sort of factor in your partner's super joint assets, the things relating to settling. If you had that information on hand, I could grab a couple of details. If not, I\n\nChannel 1: No.\n\nChannel 0: can just\n\nChannel 1: Not\n\nChannel 0: base it on purely just your super.\n\nChannel 1: Yeah. No. Unfortunately, I don't. No.\n\nChannel 0: That's okay. I believe that just, honestly, based on your trajectory, contributions, and growth that you should be able to fully fund that initial goal you had with us of about 700 a week after tax\n\nChannel 1: Mhmm.\n\nChannel 0: purely and simply from the circle without relying on on the age pension.\n\nChannel 1: Yes.\n\nChannel 0: So I'll just put that in there, but just the caveat that it won't include anything to do with SendLink, just some general information.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. The other thing too, so in that pack that I've sent you, there's a couple of extra documents there. We have updated our service guide with a new FSG. So when you skip through those documents, you'll see a Vanguard chart, big red beautiful chart of the stock\n\nChannel 1: Mhmm.\n\nChannel 0: market, and then a service guide with\n\nChannel 1: Yep.\n\nChannel 0: our updated\n\nChannel 1: Yep.\n\nChannel 0: license information, all\n\nChannel 1: Mhmm.\n\nChannel 0: that kind of thing. If you can, on that service guide document, if you go down quite a few pages, I'm looking for the tiered fee structure for you because we've been we've updated our fee structure.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: When you get down to about the thirteenth page, you'll see another document in that same spot, very similar blue banner saying financial services\n\nChannel 1: Mhmm.\n\nChannel 0: guide\n\nChannel 1: Yep.\n\nChannel 0: rather\n\nChannel 1: Yep.\n\nChannel 0: than\n\nChannel 1: It's\n\nChannel 0: the Oakview\n\nChannel 1: mhmm.\n\nChannel 0: services guide. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now if you go down one, two, three, four more pages, you'll see some tables there.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: So with the new fee structure, we've included discounts for clients who are above 200,000 and then further discounts above 500,000 on the percentage fee. So because you are sitting at $40.05, I believe sorry. 4\n\nChannel 1: Yep.\n\nChannel 0: 35,\n\nChannel 1: Ma'am. Mhmm.\n\nChannel 0: I've put in place the new fee structure for this twelve month consent form. And as soon as you go above that 500,000 at the next review, potentially, we would apply that next tier to it as well.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So I guess my my closing question is, are you comfortable for us to continue looking after your super?\n\nChannel 1: Yep. Yeah. Quite fine.\n\nChannel 0: From here, basically, I will get the research completed with the team over the next couple of weeks, put together your updated plan, and then I believe you would have spoken to Michelle previously for\n\nChannel 1: Mhmm.\n\nChannel 0: the review booking.\n\nChannel 1: Yep. Yep.\n\nChannel 0: She'll just get you booked in to run through that place with me.\n\nChannel 1: Mhmm. Right.\n\nChannel 0: Amazing. Any questions for me before I let you go?\n\nChannel 1: No. Nothing I can think of.\n\nChannel 0: In the interim, if there is any other assistance you need, if anything happens on the insurance side and you need any information or advice, please let us know. We'd be happy to\n\nChannel 1: Mhmm.\n\nChannel 0: help. But, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: they they look after you and and get you back nice and smooth.\n\nChannel 1: Yeah. Yep. Hopefully, fingers crossed.\n\nChannel 0: Up. Absolutely. Michelle, I'll leave this pack with you. There's only one\n\nChannel 1: Mhmm.\n\nChannel 0: document to sign for the consent for Hub '24, and and then I'll be talking to you in a couple of weeks' time.\n\nChannel 1: Mhmm. Yeah. So I see that consent done the ongoing I just copied\n\nChannel 0: Yeah. That's the one. So when you get to the\n\nChannel 1: it.\n\nChannel 0: bottom of that document, there's usually the buttons on the side to start, or you can actually just click\n\nChannel 1: Is\n\nChannel 0: on them. And\n\nChannel 1: it?\n\nChannel 0: what it\n\nChannel 1: Mhmm.\n\nChannel 0: will do is it'll stamp a signature and a date on that. If you would like to draw the signature, you just click on it a second time, and it will allow you to draw it just to match, you know, your ID and so on. At\n\nChannel 1: Yep.\n\nChannel 0: the end of that, there will be a validate button to send a signed copy to both yourself and to.\n\nChannel 1: Yep. Okay. So that's sign. Day. I should have my glasses\n\nChannel 0: And\n\nChannel 1: on. This\n\nChannel 0: do\n\nChannel 1: is\n\nChannel 0: bear\n\nChannel 1: terrible.\n\nChannel 0: in mind, it sometimes takes a minute or two to load. Once you hit validate, it may spin there for a good thirty seconds. So there's\n\nChannel 1: Yeah.\n\nChannel 0: just a lot of pages\n\nChannel 1: Okay.\n\nChannel 0: that get uploaded.\n\nChannel 1: Yep. It's working. It's doing its thing.\n\nChannel 0: Perfect. So, Michelle, that has come through signed a lot. Thank\n\nChannel 1: Yep.\n\nChannel 0: you very much for doing that. You should get a pretty quick email with a signed copy for yourself as well.\n\nChannel 1: Mhmm. Right.\n\nChannel 0: Perfect. Again, thank you so much for your time today. Is there anything else I can help with before I let you go?\n\nChannel 1: No. Nothing at all. Thank you.\n\nChannel 0: Perfect. I will talk to you in a couple of weeks. Thank you so much.\n\nChannel 1: K. Great. Thanks. Talk to you then. Bye bye.\n\nChannel 0: Thanks","paragraphs":[{"sentences":[{"text":"Good afternoon, Michelle.","start":3.6,"end":4.64,"sentiment":"neutral","sentiment_score":0.24918857216835022},{"text":"It's Tommy here, senior adviser from OQ.","start":4.64,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.2268788835832051},{"text":"How are you doing?","start":6.7999997,"end":7.62,"sentiment":"neutral","sentiment_score":0.19003501161932945}],"sentiment":"neutral","sentiment_score":0.22113271057605743,"channel":0,"num_words":14,"start":3.6,"end":7.62},{"sentences":[{"text":"Thank you.","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.4892628788948059}],"sentiment":"positive","sentiment_score":0.4892628788948059,"channel":1,"num_words":2,"start":7.9199996,"end":8.66},{"sentences":[{"text":"I'm just giving you a call to go through your annual review if you still 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you know if you included, like, a power an enduring power of attorney when you set that up?","start":482.105,"end":486.685,"sentiment":"neutral","sentiment_score":0.08489631805568934}],"sentiment":"neutral","sentiment_score":0.09779719263315201,"channel":0,"num_words":22,"start":481.225,"end":486.685},{"sentences":[{"text":"No.","start":487.305,"end":487.805,"sentiment":"neutral","sentiment_score":-0.13804471492767334},{"text":"No.","start":487.945,"end":488.445,"sentiment":"neutral","sentiment_score":-0.1197940558195114}],"sentiment":"neutral","sentiment_score":-0.12891938537359238,"channel":1,"num_words":2,"start":487.305,"end":488.445},{"sentences":[{"text":"Oh, I'll get that updated.","start":491.145,"end":492.96,"sentiment":"neutral","sentiment_score":-0.014465679973363876},{"text":"And we do have Gary listed as your beneficiary for the super.","start":493.41998,"end":497.28,"sentiment":"neutral","sentiment_score":0.05343107506632805},{"text":"I'm assuming you still want him on 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there.","start":673.185,"end":675.125,"sentiment":"neutral","sentiment_score":-0.008712382242083549}],"sentiment":"neutral","sentiment_score":-0.008712382242083549,"channel":0,"num_words":5,"start":673.185,"end":675.125},{"sentences":[{"text":"Yep.","start":675.64,"end":676.14,"sentiment":"neutral","sentiment_score":-0.014717252925038338},{"text":"Oh, it's","start":677.56,"end":678.12,"sentiment":"neutral","sentiment_score":-0.08189946413040161}],"sentiment":"neutral","sentiment_score":-0.05950539372861385,"channel":1,"num_words":3,"start":675.64,"end":678.12},{"sentences":[{"text":"And","start":677.98505,"end":678.48505,"sentiment":"neutral","sentiment_score":-0.12076068669557571}],"sentiment":"neutral","sentiment_score":-0.12076068669557571,"channel":0,"num_words":1,"start":677.98505,"end":678.48505},{"sentences":[{"text":"even 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one's probably a little bit painful.","start":678.865,"end":680.48505,"sentiment":"neutral","sentiment_score":-0.24233884045055934},{"text":"It's a performance table with about a million figures on it if you can make any","start":681.265,"end":684.945,"sentiment":"neutral","sentiment_score":-0.15320651698857546}],"sentiment":"neutral","sentiment_score":-0.1803337458683097,"channel":0,"num_words":23,"start":678.865,"end":684.945},{"sentences":[{"text":"Mhmm.","start":684.745,"end":685.245,"sentiment":"neutral","sentiment_score":-0.08656176924705505}],"sentiment":"neutral","sentiment_score":-0.08656176924705505,"channel":1,"num_words":1,"start":684.745,"end":685.245},{"sentences":[{"text":"of these 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Michelle?","start":975.53,"end":977.55,"sentiment":"neutral","sentiment_score":0.06569402954644626}],"sentiment":"neutral","sentiment_score":0.07000950856932572,"channel":0,"num_words":49,"start":962.205,"end":977.55},{"sentences":[{"text":"Not too sure, actually.","start":981.245,"end":982.705,"sentiment":"neutral","sentiment_score":-0.1162442471832037},{"text":"Probably probably the higher return would be good.","start":986.445,"end":989.265,"sentiment":"neutral","sentiment_score":0.16775518283247948}],"sentiment":"neutral","sentiment_score":0.07308870616058509,"channel":1,"num_words":12,"start":981.245,"end":989.265},{"sentences":[{"text":"Yep.","start":990.905,"end":991.405,"sentiment":"neutral","sentiment_score":0.2137045860290527},{"text":"So what I basically need to do there is find a a like for like replacement for those that you do have.","start":991.465,"end":997.19,"sentiment":"neutral","sentiment_score":0.13737014173106712},{"text":"It is a bit of a blend of both, but I can we've already been researching some options there that I can do a comparison for.","start":997.57,"end":1004.15,"sentiment":"neutral","sentiment_score":0.12142512216590919}],"sentiment":"neutral","sentiment_score":0.1304673649066565,"channel":0,"num_words":49,"start":990.905,"end":1004.15},{"sentences":[{"text":"Mhmm.","start":1003.86,"end":1004.33997,"sentiment":"neutral","sentiment_score":0.05109735578298569},{"text":"Mhmm.","start":1004.33997,"end":1004.83997,"sentiment":"neutral","sentiment_score":0.05994442105293274}],"sentiment":"neutral","sentiment_score":0.05552088841795921,"channel":1,"num_words":2,"start":1003.86,"end":1004.83997},{"sentences":[{"text":"So what I'll basically do is I'll put together an updated statement of advice with you with some updated projections, and I'll include in there what I'm thinking of included.","start":1006.53,"end":1016.615,"sentiment":"neutral","sentiment_score":0.1463877461850643},{"text":"I do have to run it by you, of course, and and get your consent before we change anything.","start":1017.235,"end":1021.2,"sentiment":"neutral","sentiment_score":0.11189699859211319}],"sentiment":"neutral","sentiment_score":0.13301378283269552,"channel":0,"num_words":49,"start":1006.53,"end":1021.2},{"sentences":[{"text":"Yeah.","start":1021.64,"end":1022.12,"sentiment":"neutral","sentiment_score":0.1396157592535019},{"text":"Yeah.","start":1022.12,"end":1022.62,"sentiment":"neutral","sentiment_score":0.21959558129310608}],"sentiment":"neutral","sentiment_score":0.17960567027330399,"channel":1,"num_words":2,"start":1021.64,"end":1022.62},{"sentences":[{"text":"Perfect.","start":1025.04,"end":1025.52,"sentiment":"positive","sentiment_score":0.3818659782409668},{"text":"The last two sort of questions on the super side of it is in terms of contributions, when you return back to work, do you want me to look at any type of salary sacrifice arrangement or just based off what work is putting in?","start":1025.52,"end":1037.0449,"sentiment":"neutral","sentiment_score":0.06927052202324073}],"sentiment":"neutral","sentiment_score":0.07606607541927825,"channel":0,"num_words":46,"start":1025.04,"end":1037.0449},{"sentences":[{"text":"Probably just what works doing.","start":1040.725,"end":1042.325,"sentiment":"neutral","sentiment_score":0.059695600718259814},{"text":"But I I think you can actually salary sacrifice my because I put contributions in as well.","start":1042.325,"end":1049.11,"sentiment":"neutral","sentiment_score":0.10112999642596525},{"text":"Being government, they put in a percentage","start":1049.5701,"end":1051.3301,"sentiment":"neutral","sentiment_score":0.045949097722768784}],"sentiment":"neutral","sentiment_score":0.08066660782386517,"channel":1,"num_words":29,"start":1040.725,"end":1051.3301},{"sentences":[{"text":"Yep.","start":1051.0249,"end":1051.38,"sentiment":"neutral","sentiment_score":0.09689606726169586}],"sentiment":"neutral","sentiment_score":0.09689606726169586,"channel":0,"num_words":1,"start":1051.0249,"end":1051.38},{"sentences":[{"text":"of my wage.","start":1051.3301,"end":1052.23,"sentiment":"neutral","sentiment_score":0.0748121440410614},{"text":"I think I can salary sacrifice that, which makes it better, which I I haven't done.","start":1052.61,"end":1058.31,"sentiment":"neutral","sentiment_score":-0.004626969341188669}],"sentiment":"neutral","sentiment_score":0.007916048561271868,"channel":1,"num_words":19,"start":1051.3301,"end":1058.31},{"sentences":[{"text":"Yes.","start":1060.34,"end":1060.74,"sentiment":"neutral","sentiment_score":0.053103990852832794},{"text":"That's the one I was thinking because most of the time when you set up that extra contribution plan, they they would have probably given you, like, a one or two page form, and it automatically defaults to the the non concessional.","start":1060.74,"end":1073.735,"sentiment":"neutral","sentiment_score":0.04209277001098685},{"text":"It's not the salary sacrifice or tax deductible version.","start":1073.955,"end":1077.33,"sentiment":"neutral","sentiment_score":-0.05268846555716462},{"text":"It actually is more of a matter of reaching out to payroll because that form default to the kind of wrong type of contribution, and I think","start":1079.01,"end":1088.69,"sentiment":"neutral","sentiment_score":-0.05409801847956799}],"sentiment":"neutral","sentiment_score":-0.0014410425018802097,"channel":0,"num_words":79,"start":1060.34,"end":1088.69},{"sentences":[{"text":"Okay.","start":1088.49,"end":1088.865,"sentiment":"neutral","sentiment_score":0.06989211589097977}],"sentiment":"neutral","sentiment_score":0.06989211589097977,"channel":1,"num_words":1,"start":1088.49,"end":1088.865},{"sentences":[{"text":"payroll can actually convert it over to salary sacrifice for you.","start":1088.69,"end":1093.5851,"sentiment":"neutral","sentiment_score":0.05077536336400292}],"sentiment":"neutral","sentiment_score":0.05077536336400292,"channel":0,"num_words":11,"start":1088.69,"end":1093.5851},{"sentences":[{"text":"Okay.","start":1093.985,"end":1094.485,"sentiment":"neutral","sentiment_score":0.08766692876815796},{"text":"I'll see what I can do.","start":1095.105,"end":1096.485,"sentiment":"neutral","sentiment_score":0.11818557480971019}],"sentiment":"neutral","sentiment_score":0.11382576823234558,"channel":1,"num_words":7,"start":1093.985,"end":1096.485},{"sentences":[{"text":"So what I'm thinking, if you're okay to kind of when you go back to work, just reach out to them and say, hey.","start":1096.2051,"end":1101.905,"sentiment":"neutral","sentiment_score":0.12185258169968922}],"sentiment":"neutral","sentiment_score":0.12185258169968922,"channel":0,"num_words":24,"start":1096.2051,"end":1101.905},{"sentences":[{"text":"Mhmm.","start":1101.425,"end":1101.78,"sentiment":"neutral","sentiment_score":0.024405378848314285}],"sentiment":"neutral","sentiment_score":0.024405378848314285,"channel":1,"num_words":1,"start":1101.425,"end":1101.78},{"sentences":[{"text":"Are you guys able to switch this across?","start":1102.8451,"end":1104.78,"sentiment":"neutral","sentiment_score":0.0318782995454967},{"text":"If you need any help, information, terminology, an email to kind of go off to that conversation, please let us know, and I can put something together.","start":1105.02,"end":1113.92,"sentiment":"neutral","sentiment_score":0.08997010536215923}],"sentiment":"neutral","sentiment_score":0.07669197831835066,"channel":0,"num_words":35,"start":1102.8451,"end":1113.92},{"sentences":[{"text":"Thank you.","start":1114.3401,"end":1115.16,"sentiment":"positive","sentiment_score":0.6909720599651337}],"sentiment":"positive","sentiment_score":0.6909720599651337,"channel":1,"num_words":2,"start":1114.3401,"end":1115.16},{"sentences":[{"text":"Cool.","start":1116.06,"end":1116.56,"sentiment":"positive","sentiment_score":0.5864253044128418},{"text":"The last thing too, just in terms of the queue server, is we can leave the 41,000 in there to make sure the insurance premiums are paid.","start":1118.155,"end":1127.9349,"sentiment":"neutral","sentiment_score":0.12754420301428548},{"text":"I would ideally like to move a small 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make","start":1140.45,"end":1140.69,"sentiment":"neutral","sentiment_score":0.014953428879380226}],"sentiment":"neutral","sentiment_score":0.014953428879380226,"channel":0,"num_words":2,"start":1140.45,"end":1140.69},{"sentences":[{"text":"Yep.","start":1140.64,"end":1141.14,"sentiment":"neutral","sentiment_score":0.04348425567150116}],"sentiment":"neutral","sentiment_score":0.04348425567150116,"channel":1,"num_words":1,"start":1140.64,"end":1141.14},{"sentences":[{"text":"sure there's no risk of the insurance as 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mind, it sometimes takes a minute or two to load.","start":1470.445,"end":1473.52,"sentiment":"neutral","sentiment_score":-0.22050379487601193},{"text":"Once you hit validate, it may spin there for a good thirty seconds.","start":1473.5801,"end":1476.86,"sentiment":"neutral","sentiment_score":-0.09543769262157954},{"text":"So there's","start":1476.86,"end":1477.9,"sentiment":"neutral","sentiment_score":-0.0385675523430109}],"sentiment":"neutral","sentiment_score":-0.14397564816933411,"channel":0,"num_words":26,"start":1470.445,"end":1477.9},{"sentences":[{"text":"Yeah.","start":1477.81,"end":1478.31,"sentiment":"neutral","sentiment_score":-0.030261367559432983}],"sentiment":"neutral","sentiment_score":-0.030261367559432983,"channel":1,"num_words":1,"start":1477.81,"end":1478.31},{"sentences":[{"text":"just a lot of 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thing.","start":1482.1649,"end":1486.985,"sentiment":"positive","sentiment_score":0.41947123408317566}],"sentiment":"positive","sentiment_score":0.3482054280383246,"channel":1,"num_words":7,"start":1480.37,"end":1486.985},{"sentences":[{"text":"Perfect.","start":1512.825,"end":1513.305,"sentiment":"neutral","sentiment_score":0.19427907466888428},{"text":"So, Michelle, that has come through signed a lot.","start":1513.305,"end":1515.965,"sentiment":"positive","sentiment_score":0.4924171368281047},{"text":"Thank","start":1516.345,"end":1516.585,"sentiment":"positive","sentiment_score":0.7885417938232422}],"sentiment":"positive","sentiment_score":0.4922340999950062,"channel":0,"num_words":11,"start":1512.825,"end":1516.585},{"sentences":[{"text":"Yep.","start":1516.4049,"end":1516.9049,"sentiment":"positive","sentiment_score":0.6231651902198792}],"sentiment":"positive","sentiment_score":0.6231651902198792,"channel":1,"num_words":1,"start":1516.4049,"end":1516.9049},{"sentences":[{"text":"you very much for doing that.","start":1516.585,"end":1518.125,"sentiment":"positive","sentiment_score":0.8235209584236145},{"text":"You should get a pretty quick email with a signed copy for yourself as well.","start":1518.505,"end":1522.38,"sentiment":"positive","sentiment_score":0.5646962185700735}],"sentiment":"positive","sentiment_score":0.6386461442425138,"channel":0,"num_words":21,"start":1516.585,"end":1522.38},{"sentences":[{"text":"Mhmm.","start":1522.725,"end":1523.225,"sentiment":"neutral","sentiment_score":0.141658753156662},{"text":"Right.","start":1523.365,"end":1523.865,"sentiment":"positive","sentiment_score":0.3852273225784302}],"sentiment":"neutral","sentiment_score":0.2634430378675461,"channel":1,"num_words":2,"start":1522.725,"end":1523.865},{"sentences":[{"text":"Perfect.","start":1525.66,"end":1526.16,"sentiment":"positive","sentiment_score":0.7298905253410339},{"text":"Again, thank you so much for your time today.","start":1526.7,"end":1528.78,"sentiment":"positive","sentiment_score":0.80126377609041},{"text":"Is there anything else I can help with before I let you go?","start":1528.78,"end":1531.52,"sentiment":"neutral","sentiment_score":0.3122485096638019}],"sentiment":"positive","sentiment_score":0.5217606580775717,"channel":0,"num_words":23,"start":1525.66,"end":1531.52},{"sentences":[{"text":"No.","start":1532.43,"end":1532.93,"sentiment":"neutral","sentiment_score":-0.2381042242050171},{"text":"Nothing at all.","start":1532.99,"end":1533.7101,"sentiment":"neutral","sentiment_score":-0.13790499418973923},{"text":"Thank you.","start":1533.7101,"end":1534.4501,"sentiment":"positive","sentiment_score":0.3910595774650574}],"sentiment":"neutral","sentiment_score":0.021716658025979996,"channel":1,"num_words":6,"start":1532.43,"end":1534.4501},{"sentences":[{"text":"Perfect.","start":1536.38,"end":1536.88,"sentiment":"positive","sentiment_score":0.6144614219665527},{"text":"I will talk to you in a couple of weeks.","start":1537.763,"end":1539.763,"sentiment":"positive","sentiment_score":0.3540377616882324},{"text":"Thank you so much.","start":1539.763,"end":1540.6628,"sentiment":"positive","sentiment_score":0.7414592206478119}],"sentiment":"positive","sentiment_score":0.4747117280960083,"channel":0,"num_words":15,"start":1536.38,"end":1540.6628},{"sentences":[{"text":"K.","start":1540.6229,"end":1540.9429,"sentiment":"neutral","sentiment_score":0.2366989254951477},{"text":"Great.","start":1540.9429,"end":1541.183,"sentiment":"positive","sentiment_score":0.7120028734207153},{"text":"Thanks.","start":1541.183,"end":1541.5029,"sentiment":"positive","sentiment_score":0.6428287625312805},{"text":"Talk to you then.","start":1541.5029,"end":1542.143,"sentiment":"positive","sentiment_score":0.5047497227787971},{"text":"Bye bye.","start":1542.143,"end":1542.8829,"sentiment":"neutral","sentiment_score":0.24653078615665436}],"sentiment":"positive","sentiment_score":0.45595455831951565,"channel":1,"num_words":9,"start":1540.6229,"end":1542.8829},{"sentences":[{"text":"Thanks","start":1544.0829,"end":1544.5829,"sentiment":"neutral","sentiment_score":-0.12189315259456636}],"sentiment":"neutral","sentiment_score":-0.12189315259456636,"channel":0,"num_words":1,"start":1544.0829,"end":1544.5829}]},"summary":{"result":"success","short":"The OQ adviser discusses the customer's financial difficulties and retirement goals with a senior adviser. They update the customer's assets and retirement plans, including home value and recent car purchases. The adviser provides guidance on completing the process and provides information on retirement plans and insurance coverage. They also discuss growth risk profiles and retirement plans, including a salary sacrifice arrangement and a new fee structure. The customer is satisfied with the information provided and the call ends."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review if you still have Yeah. Yeah.","start_word":16,"end_word":33,"intents":[{"intent":"Review annual review","confidence_score":0.1170297}]},{"text":"And how did you find the claims experience?","start_word":467,"end_word":474,"intents":[{"intent":"Check claims experience","confidence_score":0.015090213}]},{"text":"And how did you find the claims experience? Because I know you've got a pretty decent income protection policy. Did it go through pretty smoothly, or was it a a long process?","start_word":467,"end_word":498,"intents":[{"intent":"Update claims information","confidence_score":0.0024004595}]},{"text":"I really just wanna get a a quick chat around your your goals that we've been Mhmm. tracking since becoming a client.","start_word":622,"end_word":643,"intents":[{"intent":"Discuss goals","confidence_score":0.2672814}]},{"text":"Last couple of detailed update is just in terms of the the occupation. We we had you as a senior training officer, and I'm just wondering Yep. when you return back to work, will you be going back to that kind of $100,000 full time income? What does it Yeah.","start_word":1297,"end_word":1346,"intents":[{"intent":"Update income status","confidence_score":0.039086662}]},{"text":"Oh, I'll get that updated. And we do have Gary listed as your beneficiary for the super. I'm assuming you still want him on there. Yes.","start_word":1445,"end_word":1470,"intents":[{"intent":"Update will","confidence_score":0.015879666}]},{"text":"So the two main things to cover today is obviously the insurances just to make sure that they stay in force and then just to go through the superannuation together. Mhmm. Yep.","start_word":1477,"end_word":1508,"intents":[{"intent":"Cover insurances","confidence_score":0.197941}]},{"text":"Have you gotten that email that I've sent through to you with your review Yes. pack?","start_word":1534,"end_word":1549,"intents":[{"intent":"Provide review","confidence_score":0.07006391}]},{"text":"So so with the new system, if you hit that blue sign button, it'll bring open five documents to scroll through with me, Mhmm. and I just wanna kind of walk you through what I'm seeing. Mhmm.","start_word":1563,"end_word":1599,"intents":[{"intent":"Scroll through documents","confidence_score":0.023289388}]},{"text":"thing that I would like to keep an eye on is that once you've returned to work, if they make any alterations to the policies, premiums, or anything like that, because it was definitely creeping up there in cost as well. Okay. Yeah.","start_word":1677,"end_word":1719,"intents":[{"intent":"Discuss policy changes","confidence_score":0.008673368},{"intent":"Clarify policy costs","confidence_score":0.0004933445}]},{"text":"So what I'm thinking is once you've returned to work, I might do I've already gotten the research, so thank you very much for assisting with that. Mhmm.","start_word":1721,"end_word":1748,"intents":[{"intent":"Assist with research","confidence_score":0.05806721},{"intent":"Express gratitude for assistance","confidence_score":0.00036572223}]},{"text":"I might just double check if they've made any changes to it. And, Yep. essentially, we just need to make sure we keep that in full. Yep.","start_word":1748,"end_word":1774,"intents":[{"intent":"Confirm plan for future changes","confidence_score":0.00021164316}]},{"text":"So I wanted to run by you if you wanted to make it a 100% safe or just kind of leave it as is, let it go, contributions will keep it going, and there's no concerns in your Yeah.","start_word":1833,"end_word":1871,"intents":[{"intent":"Determine safety of insurance","confidence_score":0.00017773335}]},{"text":"So the life insurance and disability, the income protection, leave those as is. There's no trauma cover on that. It has built up to 41,666, and your hub 24, I was just looking at it this morning, went from 357,000 to $4.35 since coming on board. So that's just under two and a half years. That's lovely.","start_word":1884,"end_word":1940,"intents":[{"intent":"Analyze financial circumstances","confidence_score":0.000008982406}]},{"text":"Now what I wanted to kind of show you was a couple things I'm looking at. So you're in a we call it like a growth risk profile. If this rings a bell that you've got about 80% in growth assets, like shares, property, and gold, and 20 Mhmm. percent in the state of side of things.","start_word":2003,"end_word":2059,"intents":[{"intent":"Discuss growth risk profile","confidence_score":0.015762633}]},{"text":"Your QSuper has had a decent ish year, but the last sort of five years or so, they haven't been able to get above 5% the last five years in that growth portfolio.","start_word":2156,"end_word":2188,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.020339532}]},{"text":"other option there has been hitting really high double digits. You've got, you know, gold and electric vehicles up 60%, which is amazing, but Yes. Benelon has dragged its feet. So I would be looking to replace that one as well.","start_word":2416,"end_word":2456,"intents":[{"intent":"Replace vehicle","confidence_score":0.28901207}]},{"text":"And the last one is the you've got two term deposit options, quite safe ones, but the government is kind of saving one of them out as a type of term deposit. So that'll happen over the next three years. So I just wanna get ahead of the curve and get that one updated as well.","start_word":2458,"end_word":2513,"intents":[{"intent":"Update term deposit options","confidence_score":0.4979103}]},{"text":"Now the question that I've got for you is so overall portfolio is doing well. The growth risk profile, we're sort of hitting those benchmarks. The two questions that I've got are, are you still okay with this idea of focusing on finishing off the last few years of growth to get as much as we can. And then maybe when you're a bit closer to retirement, we can start to reduce that risk level down to protect what you've built.","start_word":2516,"end_word":2596,"intents":[{"intent":"Optimize portfolio","confidence_score":0.009946318},{"intent":"Reduce risk level","confidence_score":0.6718289}]},{"text":"Mentioned before that sort of seven to nine year time frame. So what I'm sort of thinking is that if we get a good return next year, it might be a good time to start slowly reducing that down from the 80% to seventy, sixty, fifty, forty over about a Mhmm. seven year period. Yep.","start_word":2604,"end_word":2658,"intents":[{"intent":"Assess return expectations","confidence_score":0.00035209802}]},{"text":"So we can replace, for example, that ban on option with a a lower fee passive option, or we can replace it with another active option that is a bit higher fee but tries to get a higher return.","start_word":2744,"end_word":2782,"intents":[{"intent":"Discuss alternatives to passive options","confidence_score":0.00006740725}]},{"text":"So we can replace, for example, that ban on option with a a lower fee passive option, or we can replace it with another active option that is a bit higher fee but tries to get a higher return. Which way do you lean between the two, Michelle? Not too sure, actually. Probably probably the higher return would be good. Yep.","start_word":2744,"end_word":2804,"intents":[{"intent":"Consult options for higher return","confidence_score":0.0000151923905}]},{"text":"Not too sure, actually.","start_word":2791,"end_word":2794,"intents":[{"intent":"Confirm understanding","confidence_score":0.19138566}]},{"text":"The last two sort of questions on the super side of it is in terms of contributions, when you return back to work, do you want me to look at any type of salary sacrifice arrangement or just based off what work is putting in?","start_word":2906,"end_word":2950,"intents":[{"intent":"Inquire about salary sacrifice arrangement","confidence_score":0.07090877}]},{"text":"That's the one I was thinking because most of the time when you set up that extra contribution plan, they they would have probably given you, like, a one or two page form, and it automatically defaults to the the non concessional. It's not the salary sacrifice or tax deductible version. It actually is more of a matter of reaching out to payroll because that form default to the kind of wrong type of contribution, and I think Okay.","start_word":3001,"end_word":3079,"intents":[{"intent":"Inquire about payroll options","confidence_score":0.00023822686}]},{"text":"I'll see what I can do. So what I'm thinking, if you're okay to kind of when you go back to work, just reach out to them and say, hey.","start_word":3092,"end_word":3121,"intents":[{"intent":"Offer assistance to customers","confidence_score":3.8297634e-7}]},{"text":"Are you guys able to switch this across? If you need any help, information, terminology, an email to kind of go off to that conversation, please let us know, and I can put something together. Thank you. Cool.","start_word":3123,"end_word":3160,"intents":[{"intent":"Switch plan","confidence_score":0.22292176}]},{"text":"The last thing too, just in terms of the queue server, is we can leave the 41,000 in there to make sure the insurance premiums are paid. I would ideally like to move a small portion across into Hub to get it going a little bit quicker for you, but I can't move too much across because of the the amount the premiums are. I Mhmm.","start_word":3161,"end_word":3226,"intents":[{"intent":"Make sure insurance premiums","confidence_score":0.0053858953}]},{"text":"When it comes to an analysis of the retirement side of things, because you don't have that kind of decade plus to go, I'm gonna sort of give you an estimate on the income you could receive from the super to fund Mhmm.","start_word":3358,"end_word":3400,"intents":[{"intent":"Calculate monthly income","confidence_score":0.000041326854},{"intent":"Analyze retirement goals","confidence_score":0.1359058}]},{"text":"I would normally sort of factor in your partner's super joint assets, the things relating to settling. If you had that information on hand, I could grab a couple of details. If not, I No. can just Not base it on purely just your super. Yeah.","start_word":3406,"end_word":3451,"intents":[{"intent":"Factor assets","confidence_score":0.000006477633}]},{"text":"I believe that just, honestly, based on your trajectory, contributions, and growth that you should be able to fully fund that initial goal you had with us of about 700 a week after tax Mhmm. purely and simply from the circle without relying on on the age pension. Yes.","start_word":3460,"end_word":3508,"intents":[{"intent":"Manage funds efficiently","confidence_score":0.000040618397}]},{"text":"From here, basically, I will get the research completed with the team over the next couple of weeks, put together your updated plan, and then I believe you would have spoken to Michelle previously for Mhmm. the review booking.","start_word":3797,"end_word":3835,"intents":[{"intent":"Schedule review booking","confidence_score":0.005815683}]},{"text":"Michelle, I'll leave this pack with you. There's only one Mhmm. document to sign for the consent for Hub '24, and and then I'll be talking to you in a couple of weeks' time.","start_word":3927,"end_word":3960,"intents":[{"intent":"Gather consent on hub '24","confidence_score":1.2933079e-7}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Michelle. It's Tommy here, senior adviser from OQ. How are you doing?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.22615636885166168},{"text":"Thank you.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.4723376035690307},{"text":"I'm just giving you a call to go through your annual review if you still have Yeah. Yeah. Sure. I'm some free. time.","start_word":16,"end_word":38,"sentiment":"neutral","sentiment_score":0.1582328826189041},{"text":"Amazing. Amazing.","start_word":39,"end_word":40,"sentiment":"positive","sentiment_score":0.6469505429267883},{"text":"Just before I dive into it, I've got a bit of an email pack to send out to you, and I'll just go through a quick security check with you if that's okay. Mhmm. Yeah. Sure. Perfect. We have a client password on file if you recall what that is. Oh, I think it's Waller. Correct. That's right. Mother's maiden name. Yeah. Amazing. And are you okay for the call to be recorded? Yes. Fine. Perfect.","start_word":41,"end_word":116,"sentiment":"neutral","sentiment_score":0.1389482170343399},{"text":"Perfect.","start_word":117,"end_word":117,"sentiment":"positive","sentiment_score":0.34031572937965393},{"text":"Now I've got your Gmail account listed for the emails with Oakview. Will Mhmm. you be able to look onto the emails with me today, or shall I just walk you through what's coming I can look at them today. Yes. through? Perfect. Before I go through that pack with you, I just wanted to update a few details because Yes. the team let I me know that you've been on an income protection claim. have. I just, first of all, wanted to see how you're doing and if there was Yeah. anything that you needed from us. No. I'm going well. I'm hoping to be back at work soon. I've started the process to try and get back to work. Amazing. So it's been a bit of a trying nine months or so? Yeah. Yeah. Yeah. It was a bit difficult, but, yeah, it's getting it seems to be a bit more difficult to try and get back to work. They're being a bit awkward. Is that in terms of, like, the insurer and the doctors? Or No. It's work itself. They're they're wanting me to have a independent medical assessment oh. done. They're not, yeah, they're not going by what my psychiatrist has said. They they don't they want an independent. So yeah. So I've gotta The wait joys four and weeks fun. to try and yeah. I've gotta wait four weeks to try and get that done, and then it'll probably be another thirty days for the report and all that sort of stuff.","start_word":118,"end_word":374,"sentiment":"neutral","sentiment_score":-0.0765951928113685},{"text":"So it's been a bit a bit painful trying to get back into work when I'm all ready to go.","start_word":375,"end_word":394,"sentiment":"negative","sentiment_score":-0.35948446393013},{"text":"Oh, no. Well, I'll try and make sure that we're the the least painful part of your your lunch at the moment.","start_word":395,"end_word":416,"sentiment":"neutral","sentiment_score":-0.02810628712177277},{"text":"Thank you.","start_word":417,"end_word":418,"sentiment":"positive","sentiment_score":0.4006287455558777},{"text":"I'll pop this through to you. It won't take too long to go through. If this is your first time using our new system, it may go to your spam folder, though. Just a bit of a Okay. heads up. Yep. So I'm gonna pop that through now. And how did you find the claims experience? Because I know you've got a pretty decent income protection policy. Did it go through pretty smoothly, or was it a a long process? It it turned out to be a bit longer than it should have been. We did have mainly because I hadn't been well sort of the year before, and I'd been sort of doing a return to work, and they wanted to figure out when my claim should go from. So it took them a while. Had to do an an independent medical assessment with those guys as well, And it it took several months before they actually made the payment, but then they backdated it, which was okay. Yeah. Oh, good. So it sort of caught up on on the payments from the date of the claim start. Yeah. Yeah. Yeah.","start_word":419,"end_word":610,"sentiment":"neutral","sentiment_score":-0.02697886899113655},{"text":"That's fantastic.","start_word":611,"end_word":612,"sentiment":"positive","sentiment_score":0.6403033137321472},{"text":"A couple of details that I'm gonna update today. I really just wanna get a a quick chat around your your goals that we've been Mhmm. tracking since becoming a client. Obviously, I understand that you're in a bit of a holding pattern returning to work at the moment, Yep. But we did have you having basically like a a northern star goal to try and retire as early as possible towards age 60 as soon as you can access it. So but does that still sound correct? Yeah. That sounds about right.","start_word":613,"end_word":705,"sentiment":"neutral","sentiment_score":0.1104963308060041},{"text":"Yeah. Perfect.","start_word":706,"end_word":707,"sentiment":"positive","sentiment_score":0.5267447233200073},{"text":"And we've got you and your partner on a bit of a staggered retirement because I think Gary is gonna retire within the next sort of three or four years or so likely? Yeah. Yeah. Yeah. There's 12 v's between us. So yeah.","start_word":708,"end_word":750,"sentiment":"neutral","sentiment_score":0.1829720288515091},{"text":"Perfect.","start_word":751,"end_word":751,"sentiment":"positive","sentiment_score":0.5528676509857178},{"text":"We did have a couple of goals around this, obviously, going to England to visit some family, buying cars. Have you managed to sort of tick any of those off just yet, or are they still on the card? I've been I've been to England, but, of course, I wanna go back again because it's that's where my family's from. Yeah. So they'll we'll be doing that again, definitely. I did buy a car. I rent did it through RemServ. So Oh, I'll yeah. probably, yeah, I'll probably do be doing that again once I'm back at work more steady again because it the car is six years old now, so I'll probably be trading that in and and Need getting an a upgrade. new model. Yeah. Yeah. Oh, cool. It seems like you're pretty well across the board debt free from what I can see as far as mortgage, car Yes. loans, and everything except for, obviously, rent service. Yeah. No Is rent that serv still at the okay? moment. That's that's yeah. That got paid off. Yeah. Perfect. Okay. So if you don't mind, can I just quickly update the assets that we have on file? Mhmm. So I've got the the home was valued at about 550,000 at Logan Reserve there. Do you know if that's Yep. jumped up a lot? I know the market's been a bit up and down lately. It could be. It could be. I've I haven't had it assessed, so I couldn't tell you what the price was. It could be more. I'm just having a look at a quick online estimate, and they seem to think we're sitting at around 898,000, if that sounds Okay.","start_word":752,"end_word":1035,"sentiment":"neutral","sentiment_score":0.06317153573036194},{"text":"okay for you. Yeah. That sounds good.","start_word":1036,"end_word":1042,"sentiment":"positive","sentiment_score":0.5443574786186218},{"text":"We did have a $25,000 car and a couple of smaller lower value cars as well. So Mhmm. you've got the the current one. Do you still have a couple of others floating around as well? Or Yeah. My husband's car, which probably I'd be lucky if they, yeah, they might have to pay them money to take it with his car. And then we've got a boat with with we just bought a new motor for the boat, so that's like a $5,000 boat.","start_word":1043,"end_word":1127,"sentiment":"neutral","sentiment_score":-0.019250812008976936},{"text":"Perfect.","start_word":1128,"end_word":1128,"sentiment":"positive","sentiment_score":0.4968629479408264},{"text":"And we had about 18,000 in savings and about a thousand dollars in cryptocurrency. Yeah. I think it's yeah. Probably a bit more in in the savings around the 20 mark now at the moment. And Yep. we did end up, unfortunately, because of being off work, having to go through some of that. But, Yes. we're sort of, yeah, building it back up again. Perfect. And did you end up selling the cryptocurrency off at that time as well? No. No. We've got the cryptocurrency still. It's worth $2,000 at the moment. Perfect. And you did mention before that the did you had a hearing aid loan and that's been paid off? Oh, that should be actually, that that's probably the only thing we don't haven't paid off. I think it's due very soon. I think I've only got, like, a couple of payments to go, to be honest. So, like, under $1,000 kind of thing? Oh, yeah. Yeah. Yeah.","start_word":1129,"end_word":1289,"sentiment":"neutral","sentiment_score":0.0007865065126679838},{"text":"Perfect. Thank you so much for that.","start_word":1290,"end_word":1296,"sentiment":"positive","sentiment_score":0.5002553462982178},{"text":"Last couple of detailed update is just in terms of the the occupation. We we had you as a senior training officer, and I'm just wondering Yep. when you return back to work, will you be going back to that kind of $100,000 full time income? What does it Yeah. look like? Yeah. I'll be back to my normal wage. Yeah. Yeah. So QSuper income protection at the moment, back to that same wage.","start_word":1297,"end_word":1370,"sentiment":"neutral","sentiment_score":0.05531900376081467},{"text":"Perfect. Thank you.","start_word":1371,"end_word":1373,"sentiment":"positive","sentiment_score":0.4572683274745941},{"text":"And I think that's about it. We've got the two children over the age of Yep. 18. Mhmm. And just in terms of the state planning, did you put in place a will or a power of attorney since we last Yeah. We have a bill. Yeah. spoke?","start_word":1374,"end_word":1421,"sentiment":"neutral","sentiment_score":0.035744700115174055},{"text":"Perfect.","start_word":1422,"end_word":1422,"sentiment":"positive","sentiment_score":0.4086567163467407},{"text":"And do you know if you included, like, a power an enduring power of attorney when you set that up? No. No. Oh, I'll get that updated. And we do have Gary listed as your beneficiary for the super. I'm assuming you still want him on there. Yes. Yes. Definitely. K.","start_word":1423,"end_word":1473,"sentiment":"neutral","sentiment_score":0.049637775868177414},{"text":"Perfect. Perfect. Perfect.","start_word":1474,"end_word":1476,"sentiment":"positive","sentiment_score":0.5613006949424744},{"text":"So the two main things to cover today is obviously the insurances just to make sure that they stay in force and then just to go through the superannuation together. Mhmm. Yep. Do you have any questions for me or anything to focus on outside of that? No. Not really. No. I think that's about it.","start_word":1477,"end_word":1532,"sentiment":"neutral","sentiment_score":0.06683981418609619},{"text":"Awesome.","start_word":1533,"end_word":1533,"sentiment":"positive","sentiment_score":0.4307307004928589},{"text":"Have you gotten that email that I've sent through to you with your review Yes. pack? Might be Yes. helpful I with the visuals. have. Yes. I have. Yep. So so with the new system, if you hit that blue sign button, it'll bring open five documents to scroll through with me, Mhmm. and I just wanna kind of walk you through what I'm seeing. Mhmm. Now first one, you should see the summary of super insurance with the o three letterhead, and you should be able to see that come 24 q super listed on there. Oh, if I could see it, my eyesight is pretty bad. Yeah. I see the HUB 24 and then q suit. Yeah. And insurance is q suit. Yeah. Perfect. Now with the q super so you're on the account protection claim at the moment. One Mhmm. thing that I would like to keep an eye on is that once you've returned to work, if they make any alterations to the policies, premiums, or anything like that, because it was definitely creeping up there in cost as well. Okay. Yeah. So what I'm thinking is once you've returned to work, I might do I've already gotten the research, so thank you very much for assisting with that. Mhmm. I might just double check if they've made any changes to it. And, Yep. essentially, we just need to make sure we keep that in full. Yep. There is an option with q two, but they're pretty good if you can fill in a, like, a permanent opt in form. That means they'll never cancel the insurances even if it becomes inactive. But if you are just about to go back to work, the contributions will kick back in, and it will keep it active. So I wanted to run by you if you wanted to make it a 100% safe or just kind of leave it as is, let it go, contributions will keep it going, and there's no concerns in your Yeah. Probably just leave it as it is. That's fine. end.","start_word":1534,"end_word":1881,"sentiment":"neutral","sentiment_score":0.10272947485269658},{"text":"Yep. Perfect.","start_word":1882,"end_word":1883,"sentiment":"positive","sentiment_score":0.4545021951198578},{"text":"So the life insurance and disability, the income protection, leave those as is. There's no trauma cover on that.","start_word":1884,"end_word":1902,"sentiment":"neutral","sentiment_score":0.26280680298805237},{"text":"It has built up to 41,666, and your hub 24, I was just looking at it this morning, went from 357,000 to $4.","start_word":1903,"end_word":1925,"sentiment":"positive","sentiment_score":0.3584385812282562},{"text":"35 since coming on board. So that's just under two and a half years.","start_word":1925,"end_word":1938,"sentiment":"neutral","sentiment_score":0.2750072479248047},{"text":"That's lovely.","start_word":1939,"end_word":1940,"sentiment":"positive","sentiment_score":0.7147091031074524},{"text":"Now if you have a look at the buttons on that Odoo sign, there should be a Mhmm. button saying next document there. Yep. Oh, it's And even harder I to know read. this one's probably a little bit painful. It's a performance table with about a million figures on it if you can make any Mhmm. of these out. Yeah. Mhmm. Now what I wanted to kind of show you was a couple things I'm looking at. So you're in a we call it like a growth risk profile. If this rings a bell that you've got about 80% in growth assets, like shares, property, and gold, and 20 Mhmm. percent in the state of side of things. Does that sort of ring a bell from when you came on board? Yeah. I think so. Yeah. Yes. So with the growth risk profile, normally, you wanna have around about seven to nine years as an investment time frame because it's slightly above medium risk. It's not high risk, but it's trying to get the primarily focusing on capital growth, obviously finish off the growth of your super. Now you need an average return of at least 9% Mhmm. to kind of justify the risk level that you're taking, if that makes sense. Yep. Yeah. Your QSuper has had a decent ish year, but the last sort of five years or so, they haven't been able to get above 5% the last five years in that growth portfolio. So it's kind of Okay. dragging its feet a little bit, but the contributions are going in, which is boosting that up as well. The second page on that Mhmm. report, it brings it all down into one line item, and you should be able to see on the very right hand side the net return of the total hub portfolio. Yes. Yes. Excuse me. So 23% for the last sort of two and a bit years works out to be just over 10% after Mhmm. fees. So it's tracking quite nicely overall, about 95,000 worth of total growth, not including contributions. There is a couple of things I would like to fix up. I know you're you're obviously focusing on the return to work, but given what's happened with the the legislation around the property market, I don't know if you've seen what happened to Apple game tax and negative gearing. Mhmm. We are probably looking at replacing the property option within your portfolio. Okay.","start_word":1941,"end_word":2354,"sentiment":"neutral","sentiment_score":0.008414784590331252},{"text":"It has had some pretty solid growth, but it's starting to kind of drop quite quickly.","start_word":2355,"end_word":2370,"sentiment":"negative","sentiment_score":-0.33695417642593384},{"text":"And Yep. because it focuses on property companies, it's not doing as well as the actual property market is, Okay.","start_word":2371,"end_word":2390,"sentiment":"neutral","sentiment_score":-0.31644099950790405},{"text":"which isn't doing the best either.","start_word":2391,"end_word":2396,"sentiment":"negative","sentiment_score":-0.36047303676605225},{"text":"K? The other one too is the Benelon option.","start_word":2397,"end_word":2405,"sentiment":"neutral","sentiment_score":-0.18822899460792544},{"text":"Your Australian shares hasn't been doing too well.","start_word":2406,"end_word":2413,"sentiment":"negative","sentiment_score":-0.3607290983200073},{"text":"Every Mhmm. other option there has been hitting really high double digits. You've got, you know, gold and electric vehicles up 60%, which is amazing, but Yes.","start_word":2414,"end_word":2440,"sentiment":"neutral","sentiment_score":0.12490876019001008},{"text":"Benelon has dragged its feet.","start_word":2441,"end_word":2445,"sentiment":"negative","sentiment_score":-0.4656749367713928},{"text":"So I would be looking to replace that one as well. Mhmm. And the last one is the you've got two term deposit options, quite safe ones, but the government is kind of saving one of them out as a type of term deposit. So that'll happen over the next three years. So I just wanna get ahead of the curve and get that one updated as well. Mhmm. Yep. Now the question that I've got for you is so overall portfolio is doing well. The growth risk profile, we're sort of hitting those benchmarks. The two questions that I've got are, are you still okay with this idea of focusing on finishing off the last few years of growth to get as much as we can. And then maybe when you're a bit closer to retirement, we can start to reduce that risk level down to protect what you've built. Yeah. Yep. I think so. Yeah. Yeah. Mentioned before that sort of seven to nine year time frame. So what I'm sort of thinking is that if we get a good return next year, it might be a good time to start slowly reducing that down from the 80% to seventy, sixty, fifty, forty over about a Mhmm. seven year period. Yep. Yep.","start_word":2446,"end_word":2659,"sentiment":"neutral","sentiment_score":0.13303488492965698},{"text":"Sounds good. Cool?","start_word":2660,"end_word":2662,"sentiment":"positive","sentiment_score":0.5242757201194763},{"text":"Yep. The only other question I had for you, and this is just purely because Hub twenty four has the most investment options in the industry. It's about 1,300 that we've been assessed through. Mhmm. We can replace some of these options with two different styles, and I really just wanted to see if you had, like, a a gut feeling or a personal preference between the two styles. Are you familiar with the terms active and passive? Yes.","start_word":2663,"end_word":2741,"sentiment":"neutral","sentiment_score":0.11181636899709702},{"text":"Cool.","start_word":2742,"end_word":2742,"sentiment":"positive","sentiment_score":0.5056958198547363},{"text":"So we can replace, for example, that ban on option with a a lower fee passive option, or we can replace it with another active option that is a bit higher fee but tries to get a higher return. Which way do you lean between the two, Michelle? Not too sure, actually. Probably probably the higher return would be good. Yep. So what I basically need to do there is find a a like for like replacement for those that you do have. It is a bit of a blend of both, but I can we've already been researching some options there that I can do a comparison for. Mhmm. Mhmm. So what I'll basically do is I'll put together an updated statement of advice with you with some updated projections, and I'll include in there what I'm thinking of included. I do have to run it by you, of course, and and get your consent before we change anything. Yeah. Yeah.","start_word":2743,"end_word":2904,"sentiment":"neutral","sentiment_score":0.108138807117939},{"text":"Perfect.","start_word":2905,"end_word":2905,"sentiment":"positive","sentiment_score":0.3818659782409668},{"text":"The last two sort of questions on the super side of it is in terms of contributions, when you return back to work, do you want me to look at any type of salary sacrifice arrangement or just based off what work is putting in? Probably just what works doing. But I I think you can actually salary sacrifice my because I put contributions in as well. Being government, they put in a percentage Yep. of my wage. I think I can salary sacrifice that, which makes it better, which I I haven't done. Yes. That's the one I was thinking because most of the time when you set up that extra contribution plan, they they would have probably given you, like, a one or two page form, and it automatically defaults to the the non concessional. It's not the salary sacrifice or tax deductible version. It actually is more of a matter of reaching out to payroll because that form default to the kind of wrong type of contribution, and I think Okay. payroll can actually convert it over to salary sacrifice for you. Okay. I'll see what I can do. So what I'm thinking, if you're okay to kind of when you go back to work, just reach out to them and say, hey. Mhmm. Are you guys able to switch this across? If you need any help, information, terminology, an email to kind of go off to that conversation, please let us know, and I can put something together.","start_word":2906,"end_word":3157,"sentiment":"neutral","sentiment_score":0.050082099224839895},{"text":"Thank you. Cool.","start_word":3158,"end_word":3160,"sentiment":"positive","sentiment_score":0.6384676694869995},{"text":"The last thing too, just in terms of the queue server, is we can leave the 41,000 in there to make sure the insurance premiums are paid. I would ideally like to move a small portion across into Hub to get it going a little bit quicker for you, but I can't move too much across because of the the amount the premiums are. I Mhmm. need Yep. to make Yep. sure there's no risk of the insurance as less. Yep. So what I'm sort of thinking is I'll do a bit of a cancellation in the updated plan for how much we can safely move across. It may only be about 10,000 or a little bit above, but are you okay with that idea if it works out well? Mhmm. Yep. Yep.","start_word":3161,"end_word":3293,"sentiment":"neutral","sentiment_score":0.0386432483792305},{"text":"That's fine. Perfect. So we've got a bit of a plan for the super at the moment. The income will hopefully kick back in soon as well, which is great.","start_word":3294,"end_word":3323,"sentiment":"positive","sentiment_score":0.5211831331253052},{"text":"Insurances to stay in force. Beneficiaries are fine. No will, no power of attorney. Anything else you can think of or any questions at this point? No. No. Nothing I can think of. K. When it comes to an analysis of the retirement side of things, because you don't have that kind of decade plus to go, I'm gonna sort of give you an estimate on the income you could receive from the super to fund Mhmm. that retirement goal at 60. I would normally sort of factor in your partner's super joint assets, the things relating to settling. If you had that information on hand, I could grab a couple of details. If not, I No. can just Not base it on purely just your super. Yeah. No.","start_word":3324,"end_word":3452,"sentiment":"neutral","sentiment_score":-0.005104308947920799},{"text":"Unfortunately, I don't.","start_word":3453,"end_word":3455,"sentiment":"negative","sentiment_score":-0.4149004518985748},{"text":"No. That's okay.","start_word":3456,"end_word":3458,"sentiment":"neutral","sentiment_score":-0.20367750525474548},{"text":"I believe that just, honestly, based on your trajectory, contributions, and growth that you should be able to fully fund that initial goal you had with us of about 700 a week after tax Mhmm.","start_word":3459,"end_word":3493,"sentiment":"positive","sentiment_score":0.6591233015060425},{"text":"purely and simply from the circle without relying on on the age pension. Yes. So I'll just put that in there, but just the caveat that it won't include anything to do with SendLink, just some general information. Yep. Yep.","start_word":3494,"end_word":3533,"sentiment":"neutral","sentiment_score":0.07513239979743958},{"text":"Cool.","start_word":3534,"end_word":3534,"sentiment":"positive","sentiment_score":0.34987106919288635},{"text":"The other thing too, so in that pack that I've sent you, there's a couple of extra documents there. We have updated our service guide with a new FSG. So when you skip through those documents, you'll see a Vanguard chart, big red beautiful chart of the stock Mhmm. market, and then a service guide with Yep. our updated Yep. license information, all Mhmm. that kind of thing. If you can, on that service guide document, if you go down quite a few pages, I'm looking for the tiered fee structure for you because we've been we've updated our fee structure. Okay. Yeah. When you get down to about the thirteenth page, you'll see another document in that same spot, very similar blue banner saying financial services Mhmm. guide Yep. rather Yep. than It's the Oakview mhmm. services guide. Yep. Yep. Now if you go down one, two, three, four more pages, you'll see some tables there. Yes. Mhmm. So with the new fee structure, we've included discounts for clients who are above 200,000 and then further discounts above 500,000 on the percentage fee. So because you are sitting at $40.05, I believe sorry. 4 Yep. 35, Ma'am. Mhmm. I've put in place the new fee structure for this twelve month consent form. And as soon as you go above that 500,000 at the next review, potentially, we would apply that next tier to it as well. Yeah. Yep. So I guess my my closing question is, are you comfortable for us to continue looking after your super? Yep. Yeah.","start_word":3535,"end_word":3794,"sentiment":"neutral","sentiment_score":0.0869426503777504},{"text":"Quite fine.","start_word":3795,"end_word":3796,"sentiment":"positive","sentiment_score":0.6249462962150574},{"text":"From here, basically, I will get the research completed with the team over the next couple of weeks, put together your updated plan, and then I believe you would have spoken to Michelle previously for Mhmm. the review booking. Yep. Yep. She'll just get you booked in to run through that place with me. Mhmm.","start_word":3797,"end_word":3851,"sentiment":"neutral","sentiment_score":0.1872982382774353},{"text":"Right. Amazing.","start_word":3852,"end_word":3853,"sentiment":"positive","sentiment_score":0.6180258989334106},{"text":"Any questions for me before I let you go? No. Nothing I can think of. In the interim, if there is any other assistance you need, if anything happens on the insurance side and you need any information or advice, please let us know.","start_word":3854,"end_word":3897,"sentiment":"neutral","sentiment_score":0.09544625878334044},{"text":"We'd be happy to Mhmm. help.","start_word":3898,"end_word":3903,"sentiment":"positive","sentiment_score":0.45674991607666016},{"text":"But, hopefully, Yep.","start_word":3904,"end_word":3906,"sentiment":"neutral","sentiment_score":0.3323274850845337},{"text":"they they look after you and and get you back nice and smooth.","start_word":3907,"end_word":3919,"sentiment":"positive","sentiment_score":0.46753257513046265},{"text":"Yeah. Yep. Hopefully, fingers crossed. Up. Absolutely. Michelle, I'll leave this pack with you. There's only one Mhmm. document to sign for the consent for Hub '24, and and then I'll be talking to you in a couple of weeks' time. Mhmm. Yeah. So I see that consent done the ongoing I just copied Yeah. That's the one. So when you get to the it. bottom of that document, there's usually the buttons on the side to start, or you can actually just click Is on them. And it? what it Mhmm. will do is it'll stamp a signature and a date on that. If you would like to draw the signature, you just click on it a second time, and it will allow you to draw it just to match, you know, your ID and so on. At Yep. the end of that, there will be a validate button to send a signed copy to both yourself and to. Yep. Okay. So that's sign. Day. I should have my glasses And on.","start_word":3920,"end_word":4092,"sentiment":"neutral","sentiment_score":0.07342655956745148},{"text":"This do is bear terrible.","start_word":4093,"end_word":4097,"sentiment":"negative","sentiment_score":-0.3692521452903747},{"text":"in mind, it sometimes takes a minute or two to load. Once you hit validate, it may spin there for a good thirty seconds. So there's Yeah. just a lot of pages Okay. that get uploaded. Yep. It's working.","start_word":4098,"end_word":4136,"sentiment":"neutral","sentiment_score":-0.05279482901096344},{"text":"It's doing its thing. Perfect. So, Michelle, that has come through signed a lot. Thank Yep. you very much for doing that. You should get a pretty quick email with a signed copy for yourself as well.","start_word":4137,"end_word":4173,"sentiment":"positive","sentiment_score":0.5681934292251999},{"text":"Mhmm.","start_word":4174,"end_word":4174,"sentiment":"neutral","sentiment_score":0.141658753156662},{"text":"Right. Perfect. Again, thank you so much for your time today.","start_word":4175,"end_word":4185,"sentiment":"positive","sentiment_score":0.722269594669342},{"text":"Is there anything else I can help with before I let you go? No. Nothing at all.","start_word":4186,"end_word":4202,"sentiment":"neutral","sentiment_score":0.1785414069890976},{"text":"Thank you. Perfect. I will talk to you in a couple of weeks. Thank you so much.","start_word":4203,"end_word":4219,"sentiment":"positive","sentiment_score":0.468456506729126},{"text":"K.","start_word":4220,"end_word":4220,"sentiment":"neutral","sentiment_score":0.2366989254951477},{"text":"Great. Thanks. Talk to you then.","start_word":4221,"end_word":4226,"sentiment":"positive","sentiment_score":0.5827949643135071},{"text":"Bye bye.","start_word":4227,"end_word":4228,"sentiment":"neutral","sentiment_score":0.25737279653549194},{"text":"Thanks","start_word":4229,"end_word":4229,"sentiment":"positive","sentiment_score":0.5828409790992737}],"average":{"sentiment":"neutral","sentiment_score":0.07395599559346527}}}}