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Brilliant. If I could just pass you through security, just that name, date of birth, and current address, we can get stuck into that one today. Brilliant. Thank you for that one. I'll just let you know these calls are recorded for training quality purposes there. Now I know previously, I believe you had a conversation with my colleague, Severiano, Sebi, in regards to your annual review, but I believe it was quite brief, and that was meant to be a follow-up conversation that didn't occur. So I'm happy to run through, like, the call just as, like, and do your, like, any review sort of from scratch if you're you're happy with that. Yeah. Not a not a problem at all. So within regards to that one, Jane, did you have any questions specifically that you want answered before we jump into everything? Or yep. Yeah. No. Completely understandable. So I believe when you originally first came on board that you had an undiagnosed mass on your left lung that you were seeking doctors reports from and follow ups for that, and you're on a waiting list to get it potentially fixed. Now have you finalized all of that? Like, has that been removed? Yep. Perfect. So with that one, obviously, at the time when you came on board due to that, when you undergo, like, any sort of, like, medical appointments, even if it's just a general checkup, they won't actually touch, like, retail cover until the point where you've, like, had your checkups and got cleared or diagnosed with any sort of thing. So given that it was just a shadow, we can definitely have a look and see what a retail policy may cost and may look like now given that you don't have, like, that ongoing issue from, like, obviously, just being a shadow. Now within regards to that one, obviously, insurances do get more expensive, though. You do get older as well, and you don't have a huge amount of debt currently given that you've only got a little bit left on the house. So we can definitely just have a look at sort of a base amount, what that sort of looks like in regards to that. And then like you said, you do have the brighter super cover as well. Now, obviously, with that one, like you said, it's not to your needs currently. You're probably a little bit under insured in terms of you did wanna cover, like, for the full debt. But in saying that as well, if you like, your partner obviously does earn an income and things like that as well, you do have your superannuation balance that offsets that. If anything did sort of occur, like, you were totally permanently disabled, you can make a claim against your super as well, which could be used for those debts. As far as, like, living past that, you would potentially have to rely on things like government assistance programs and things like that. But it also depends on just how much you wanna sort of spend in terms of, like, paying for that risk mitigation, if that makes sense. Perfect. Now with that one there, Jane, so to look at retail cover, we generally have to go through what we call a pre assessment process where we run through some bit questions about your occupation, just general lifestyle, some medical history for yourself, and then also some family history, if that makes sense. Now I can do that at the end of this phone call. I can get you booked in with a colleague after we run through everything else depending on how much time you've got left. In in saying that, I'll run over everything else as well. So I'll confirm all your details and make sure everything is up to date there. She said the email is up to date and the, sorry, the address. But the email is at wikileaks64@gmail.com? Perfect. Brilliant. And still currently married? I know I mentioned it before, but still currently married? Perfect. And then in regards to next to kin, I've got Beverly Cooper down. Is that still accurate and up to date? Perfect. And the relation to Beverly, is that your partner or mother or wife? Yep. Not a problem at all. And then in regards to dependents, I have you have one dependent. Is that still the case? Perfect. And as far as your your your patient there, Jane, now are you still, like, an electrical store person? I think I'll just update there. Now in regards to that as well, I do know that forklift driving is considered, like, hazardous just due to the nature of, like, going around on a forklift and the the job that it does entail. Now that's not to say that cover wouldn't be available. It just mean that it might be more expensive. So it's definitely something that we'll still double check. Once this sort of pre assessments come back, we send them off to the insurers blindly. It doesn't have your full details. They don't know it's actually specifically you, and they just give us an idea of what cover they're willing to offer and at what prices. And I can even give you a callback once that comes back and have a general conversation around that as well. Perfect. And then as far as your role and what you're you're doing at the moment there, Jane, are you, like, on the forklift, like, the whole whole day? Does it make up majority of your role, or are you in the office at all? Yep. And then with that, are you entering the trucks, or does it get put to the back of the trucks and then your like, side loaded ones where they just pull the yeah. Okay. And as far as any other jobs or roles that you're doing at the moment, was that sort of your main role? Do you do any other sort of things there at the moment? Perfect. And then as far as any other tickets, I know you've got your forklift license, obviously, but anything else that you've gotten in the since we last sort of spoke regarding that? Yep. No. That's fine. And then in regards to the job at Bunnings, how long have you been doing that work specifically? Is it just been the past year? Well, congratulations on the the January. Oh, seventeenth. So so very, very close indeed. And then industry wise, like, operating forklifts, it's probably around the 14 mark. Years, like, in the like, operating forklifts in the similar sort of roles and, like, that sort of things? Okay. That must just been fourteen years at the previous employer. Yeah. Okay. Perfect. And as far as the employment status, are you full time at the moment? Yep. Is it just like the thirty eight hour week or a little bit of overtime? Thirty eight. Yeah. No problem. And do you know roughly what your annual salary is there at the moment? Yep. No. That's that's okay. Would it I had your last salary around, like, the 93 mark. Would it be similar to that one? Yep. And then in regards to your savings and expenditure at the moment, I had you sort of roughly putting away a $100 a week and then your expenditures around the 600. Is that sort of similar? Are you, like, saving a bit less now with the income decrease? Or Yep. Not a problem at all. And then within regards to, like, salary sacrifice or any concessional contributions are you doing anything else at the moment? Yep. Not a problem. And you don't plan on sort of doing anything like that in the the short term? Perfect. And do you know roughly if you just get the 12% for your employee pay contributions or you're not too sure? No. That's perfectly fine. And then you don't have an EBA with Bunnings at all? There is? Yep. Do you know specifically what's in that EBA if, like, that affects your superannuation or contributions or anything? No. Do you know do you know the the name potentially or the EBA? Is it just like a Bunnings EBA, or is it like a different group that holds it? Yeah. We do have an EBA lookup, but sometimes it's under, like, parent companies and things like that. But if it's just the general Bunnings, like, Queensland one, we should yeah. Sorry. I I just off the back of my head, we live in Queensland, so we don't wanna call today. Sorry. So and then details in regards to your assets and liabilities there. So we had $1.20 owing on the house the last time we spoke and about $5.50 in asset value. Now is that roughly the same? Is it going up a little bit in value, or is it yep. No problem. And then I have two cars here, one worth the 15,000 and then the Holden worth 40. Still they're still the same? Perfect. And do you have any other assets or or liabilities that I haven't sort of mentioned there? Do you have a little bit of a a savings rainy day fund as well on the side or perfect. I'll just jot that down. Yep. And then in regards to your health wise, I know you were taking medication for your thyroid, but are you taking any other medications currently? No problem. And then any other sort of medical trips to the hospital or anything like that since you've had the the lung testing? Right. And do you currently hold private health cover at the moment there, Jane? Yep. Great. And I know you didn't have a will the last time we spoke. Have you managed to get around to doing up a will with your partner or no. Yeah. No. It's it's one of those things. It's like your people don't need them till they need them. It's definitely it's definitely important, especially, you know, having your partner and children and things like that as well. You can do them jointly. We can send through some lawyer information to, like, a general lawyer that we've sort of worked with in the the past. They have a little information pamphlet and just give you some general pricing. In addition to that one as well, you can do, like, your post office wheels. They're not the most ironclad things, but it is at least something on paper, and it doesn't leave people guessing if you only wanna spend, like, you know, the 50 to $100 sort of thing to get one sort of set up if you follow the instructions. Otherwise, it's, like, I think it's around roughly estimate, like, a $300 potentially for single or, you know, upwards of the 600 per joints and things like that depending on your solicitor that you use. But we can also just send you that information for you to have a look at. It's no obligation to use their services or not. Just gives you a little bit of reading material. Perfect. And then this one's a bit of a weird one, but it's just an updated one on the the fact find there. But don't have any family or yourself? You're not involved in any sort of politics at all? Yes. I know. I know. It sounds like a little bit of a weird one, but it's like to do with, like, anti money laundering legislation, things like that. Just yeah. No problem. And for yourself, you're not earning an income anywhere outside Australia or able to earn an income outside Australia, not a tax resident anywhere else? Right. And now as far as the the goals go, I know you were looking at just, you know, enjoying a bit of family time and and travel and things like that and going to New Zealand in the the shorter term. Is that sort of eventuated? Have you got away with the family trip? Or No. No. That is unfortunate there. Lucky you did get across before they went or Yeah. That that's nice at least. Sorry to hear that though. But in the the short term now, is there anything that you're sort of working towards? Yeah. And, look, you do have quite, like, a healthy balance already in regards to your superannuation. Obviously, you know, cutting back a little bit on the the income there reduces the contributions a little bit, but it is still tracking quite nicely in terms of, like, the growth you are getting out of your superannuation since you've been on board. I will go over that in a little bit there as well. But no sort of looking towards family trips. You're mainly just looking at paying down the mortgage you do have. Let me So we're gonna try at 60. And then in regards to your insurance, Sam, and just making sure you're protected, is it mainly just covering for the debt of the the residents? Or yep. And have you had a thought about, like, income replacement and what that might look like if you were unable to to work and then the cost of that? Because because with that, like, generally with partners and having children, you sort of look to maybe sort of seven to ten years, like, order income replacement. Is that's, like, something you did wanna cover for for, like, full risk mitigation in the event that you were incapacitated and unable to work. So, obviously, there's still costs that come with that. Now you obviously can still rely on things like whatever the you can get from the government through, like, NDR support programs and things like that and settlement. But if you're unable to earn an income and you're still there sort of thing, you potentially still care for the child but unable to to earn a living, bills still come out. And then that way, you can cover for that. So we given the price and, like, the costing, would you maybe wanna look at sort of, like, a little bit more just in the event that something did happen and maybe sort of look closely to replacing income for a few years even just on top if you are looking to have a policy, the external? Yes. I believe with that one, it's a fourteen day waiting period and two year benefit period, but the I believe there's some insured. Let me just double check what it actually comes to. It is the one twenty, so you might be a little bit over insured in terms of, like, the yearly amount and what you could claim on. So we could potentially look at reducing that down a little bit as well because that does come out at a higher cost down to your current income. Do you plan on potentially looking at another job? Yes. Yep. Because with that, you can only claim up to 70% of your, like, current income. And given that it's dropped down quite significantly, we can look at potentially reducing that down a little bit to, like, a more claimable amount, which will help with the the cost of that one. Now the way retail insurance work as well is that you potentially end up with, like, exclusions and loadings for, like, health conditions that already preexist. Whereas because you've had the brightest super account quite some time, those conditions could predate the fund itself. And if you've had the fund long enough, sometimes it doesn't matter if they predate the fund or not that you potentially could be covered for them with those group insurances. The way retail cover works is that it's underwritten at the time of application. So they find out everything about your health and exclude everything that's already existing, and then you wouldn't be able to claim on those. Not to say that we can't bump up the life and TPD and have, like, a separate policy just to make sure you're fully insured. But there's a good chance that we might be retaining that cover anyway just in the event that anything did happen because you don't carry or wouldn't carry those exclusions, if that makes sense. Perfect. Alright. Just sorry. Just talking back to the questions there. So, yeah, we'll have a look and see what that pricing looks like, and then we'll come back and have a bit of a conversation, see what you wanna cover for, and potentially sorta how much. Sometimes it can be cheaper in lots of, like, higher amounts given that you've already got the the policy there. Like, it can be an extra sort of $102,100 dollars a year to have, like, a few 100,000 versus, you know, having, like, the the 50, if that makes sense. But we'll have a play around with that as well. And then in regards to your superannuation, I'm not too sure if they went over it with you. I know you haven't been sent your annual review pack, but you should receive that shortly in terms of, like, the returns with that. Now your your superannuation was doing really quite well before the end of last year, but then Benelong, the active managed portion in that fund, has taken a little bit of a dive purely because of an underlying investment that they did have. And because that is a 10¢ waiting in your fund, it has caused a bit of a negative impact. And then with the AI stuff that occurred at the start of this year, the hack cyber side of your portfolio has taken a bit of a dive as well. Now in terms of, like, a return overall, you still got 8.96% after fees in terms of return. So still quite a good return out of the superannuation even with those two assets that took a bit of a backwards turn. Now in regards to the active portion of Benelong there, because it was an underlying asset and it wasn't like an equity, like, issue within, like, the Australian market, we would potentially be looking to remove the Benelong as an update from your portfolio. Because you're in one of the the newer portfolios anyway. It's the rest of portfolio, even the the hack side of the side of things that did take a little bit of a backward step, they still have, like, long term investment faith in that one or conviction that it will still do well over the long term. The been long, not so much anymore. As an investment committee, they're moving away from that. Now we can look at just replacing that with an active alternative because it is a managed fund. That means that that fund manager tries to outperform the market, and it costs a little bit more to have that active management to try and do better than what the market's doing. Or we can just look to do a more passive option and put it in an index fund much like the rest of your fund where it's a bit lower cost. It just tracks an index within Australia. It'd be around, like, the top 200 companies in Australia, and it just tracks that index at a a lower price as a replacement option for that Benelon, if that makes sense. As a cost wise, it'd be hard to say because it's based on balance and how much is actually, like, invested in it. Generally, like, as a a cost basis, it works out to be, like, a point 5% cost for, like, the investment invested in it versus, like, the the passive portion, which can be much lower sort of about, like, the half of that sort of thing. But as I said, one just tracks the index while the other one actively tries to outperform it. So you're basically paying for the fund manager to try and, you know, do some buys and sells and find some value in some stocks and companies that can potentially perform better than what they like, industry or area, which is like Australia there, would be doing on average. Benelongs, the active portion. So it's a Benelongs and Australian equities fund, and it is actively managed, and that's about the 10% mark. So we could look to just replace that 10% with a a more passive index side of things, which would mimic sort of the rest of your portfolio. And you wouldn't have the active management, but you'd be paying less in overall fees. Or you could look to just have it replaced with an active alternative and keep that active management within your super for something that's comparable in the Australian market. Yeah. Look. In terms of, like, age and time horizon, even if you still wanna, you know, could retire at the age of 60, you're still a bit of a spring ticking. You've got a fair way to go yet. That ten years is still quite a way away. So you could still look to maintain an active portion, and it wouldn't be sort of an issue. As I said, it is, like, 10% of the portfolio. So not to say it's insignificant, but not to say that it's, like, it's detrimental if it does have something like did occur, like, to do, you know, over 8% still as a return even with one of those doing quite poorly and then the other one doing a little bit bad. So that's two negative performers in your portfolio, but still quite good. The rest of your portfolio is tracked quite well and is still, like, performing quite well. There is an option just to review the entire portfolio, but given that apart from those assets that I spoke about there, it's actually largely doing quite well in terms of, like, the return it is. Yep. Perfect. No. No. That's perfectly fine. Obviously, we could potentially leave it and sort of try and ride it out. But given what that just did occur, given that it was sort of you know, if the fund manager was probably paying a bit more attention, he might likely not have occurred. It's not to say that it's like the Australian market's doing bad at the moment. It's just that fund that really isn't doing too well. So it's a it's a little bit of a sell low, buy high kind of scenario, but in saying that, you know, if a horse is dead, you you gotta stop blogging it at some point. So perfect. So that's everything in regards to those updates there. I will just run through a quick risk profile with you, Dendane, and just make sure that it does line up. As you said, you you know, you are getting a little bit older, so your risk tolerance may change a little bit. So we can just run through those few questions, make sure you're happy with everything, and then the the allocation that you currently hold within that. Because, obviously, you know, like you said, you do get closer to time, you generally wanna look at sort of reducing risk, but you do have that time horizon on your side to to maintain that high growth at least even for the next sort of seven to eight years and look at winding it down closer to retirement there. But have you had, like, investment or direct shares previously for yourself? Or yeah. Just the the managed phone within? No. That's perfectly fine. And then in terms of, like, taking on risk, do you consider yourself a little bit of a risk taker? Like, would you say that you wanna take on, like, a little bit of risk to try and outpace inflation in the markets and get a little bit of a high return while you're still working? Yep. And would you say that's, like, sort of the the moderate to high, not, like, crazy high? Yeah. And then if your portfolio was to have, like, a 20% decrease in value just from, like, an investing side of things, Do you reckon that would make you wanna sell out, or do you reckon you'd potentially just hold and wait, given, you know, how much yeah. Brilliant. And if in regards to returns, if you're getting, like, six to 8% in terms of, like, an after fee return, would you be quite happy with that year on year? Yeah. Right. And with, like, in regards to COVID where, you know, there was a bit of a a dip in the market and everything went backwards there, were you looking at your super? Did that make you a little bit cautious at all? Or yeah. No worries. And with borrowed money, I know you own your own property there, but, like, if circumstances are different, would you ever risk borrowed money into things like properties, shares, anything riskier than, like, current home loan? Or yeah. No. Completely understandable. So that does bring out as a growth investment, which is a little bit below the high growth side of things, which is around that 8010 split, which is high growth is at 9010 sort of split from growth to defensive assets. Like I said, you still got time on your side to be able to have that little bit more of an allocation. And it's not to say that even if you were to decrease down to a growth that your investments would change overly, it just means your allocation to those growth defensive assets would increase a little bit. So it's not like you're jumping from, you know, having something like stock standard shares to, like, a cryptocurrency, which you can't even hold in superannuation. Your your level of investment remains largely at least at Oakview. Sort of similar. There are some changes as you do get more aggressive in your investment, but the core of the portfolios largely stay the same even with those, like, risk adjustments in those sort of 10% ranges. But are you happy with the high growth still given, you know, the explanation and everything there, Right. Now in regards to your superannuation and those investment returns, did you have any other questions with that, Jane, or did you want to talk about that a little bit more? Largely still happy with how it's all tracking even with the? Yeah. Okay. Perfect. So from here, basically, what we'll do is I'll make a a note there as well. We'll get that research done. Obviously, if you've got a bit of time, we can run through that pre assessment now, or I can get you booked in with one of my colleagues to run through that. Yeah. Not a problem at all. And then they'll run through a little bit more about your occupation, a little bit about the health side of things. We'll put that off to the insurers, see what they come back with. As a worst case scenario there, Jane, you're not in a bad position by any means even though you're maybe a tad bit underinsured. We can look at reducing that IP, which will save you a little bit of money. I know you're currently contributing to Hub twenty four, and you've got about the 24,000 in your old account. The insurances are opted into, so we could potentially look at moving some of those funds over to Hub twenty four to consolidate the balance a little bit as well. We just have to be mindful that we do have to keep a bit of an eye on that given the fact that you're not contributing to that fund, or we could look at moving the contributions back and just reviewing it a little bit more regularly, if that makes sense. Yeah. So, generally, like, a a fund retention, pardon me, is 6,000, generally. In terms of that, I believe with your fund, it's 8 as a minimum balance. And normally, we leave about 10 to 15 anyway in terms of, like, paying for those fees. And each year, we have you under review and you sort of review where things are at. Obviously, if you're not contributing, it's a little bit more risky. Even with the insurances opted in, you do have to keep a little bit more of an eye on it. But because you completed that form, it just means that it's a little bit safer in regards to that as well. But if you're happy sort of leaving those funds there as well, we don't have to to touch anything, but that's always an option to have the funds a little bit more consolidated to your your better performing sort of fund as well. Brilliant. But is there anything else that you wanna have a chat about before I look to to book you in for your pre assessment there at all, Jane? Not a problem at all. Brilliant. And what sort of day would work best for you in terms of completing that pre assessment with one of my colleagues there, Jane? Yep. So even, potentially, this Thursday at 5PM would work well for you? Perfect. I'll get that booked in there. And just refresh my memory there. Sorry, Jane. Your partner, she's not a client of ours? Not not a problem at all. I was just double checking because at the moment, they did have, like, a coupling fee going. So I just wanna make sure that that was applied if she was a a client or or looking to receive advice. But if she's happy with her AMP, that's not a problem at all. Brilliant. If you've got no more questions for me there, Jane, you should receive the annual review pack shortly in terms of, like, your ongoing service agreement. Obviously, you can opt out of that at any time. So if it turns around in, you know, like, a few weeks there once you do get the advice update piece and the information regarding assurances that you're not too happy with this and wanna go your separate ways, you can always opt out. You'll receive your other documents here in regards to your COC and your performance report as well for you to have a a look at. If you do have any other questions regarding that as well, I can even see if someone's available this afternoon to send that out to you. Yeah. Feel free to to reach out. Otherwise, we'll get that on the the road, and then they'll send you that lawyer information booklet shortly as well. No problem. Other than that there, Jane, you enjoy the rest of your afternoon, and I'll be speaking with you at Thursday there at 5PM. Not a problem at all, Jane. Thanks for your time. Hope I answered all your your questions this afternoon. No problem at all. Thanks now. 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afternoon, Jane. It's Carl calling from OPU Financial. How are you today? Good to hear. I just scheduled in for a bit of a follow-up conversation.\n\nIf now is still a good time for you? Yeah. Brilliant. If I could just pass you through security, just that name, date of birth, and current address, we can get stuck into that one today. Brilliant.\n\nThank you for that one. I'll just let you know these calls are recorded for training quality purposes there. Now I know previously, I believe you had a conversation with my colleague, Severiano, Sebi, in regards to your annual review, but I believe it was quite brief, and that was meant to be a follow-up conversation that didn't occur. So I'm happy to run through, like, the call just as, like, and do your, like, any review sort of from scratch if you're you're happy with that. Yeah.\n\nNot a not a problem at all. So within regards to that one, Jane, did you have any questions specifically that you want answered before we jump into everything? Or yep. Yeah. No.\n\nCompletely understandable. So I believe when you originally first came on board that you had an undiagnosed mass on your left lung that you were seeking doctors reports from and follow ups for that, and you're on a waiting list to get it potentially fixed. Now have you finalized all of that? Like, has that been removed? Yep.\n\nPerfect. So with that one, obviously, at the time when you came on board due to that, when you undergo, like, any sort of, like, medical appointments, even if it's just a general checkup, they won't actually touch, like, retail cover until the point where you've, like, had your checkups and got cleared or diagnosed with any sort of thing. So given that it was just a shadow, we can definitely have a look and see what a retail policy may cost and may look like now given that you don't have, like, that ongoing issue from, like, obviously, just being a shadow. Now within regards to that one, obviously, insurances do get more expensive, though. You do get older as well, and you don't have a huge amount of debt currently given that you've only got a little bit left on the house.\n\nSo we can definitely just have a look at sort of a base amount, what that sort of looks like in regards to that. And then like you said, you do have the brighter super cover as well. Now, obviously, with that one, like you said, it's not to your needs currently. You're probably a little bit under insured in terms of you did wanna cover, like, for the full debt. But in saying that as well, if you like, your partner obviously does earn an income and things like that as well, you do have your superannuation balance that offsets that.\n\nIf anything did sort of occur, like, you were totally permanently disabled, you can make a claim against your super as well, which could be used for those debts. As far as, like, living past that, you would potentially have to rely on things like government assistance programs and things like that. But it also depends on just how much you wanna sort of spend in terms of, like, paying for that risk mitigation, if that makes sense. Perfect. Now with that one there, Jane, so to look at retail cover, we generally have to go through what we call a pre assessment process where we run through some bit questions about your occupation, just general lifestyle, some medical history for yourself, and then also some family history, if that makes sense.\n\nNow I can do that at the end of this phone call. I can get you booked in with a colleague after we run through everything else depending on how much time you've got left. In in saying that, I'll run over everything else as well. So I'll confirm all your details and make sure everything is up to date there. She said the email is up to date and the, sorry, the address.\n\nBut the email is at wikileaks64@gmail.com? Perfect. Brilliant. And still currently married? I know I mentioned it before, but still currently married?\n\nPerfect. And then in regards to next to kin, I've got Beverly Cooper down. Is that still accurate and up to date? Perfect. And the relation to Beverly, is that your partner or mother or wife?\n\nYep. Not a problem at all. And then in regards to dependents, I have you have one dependent. Is that still the case? Perfect.\n\nAnd as far as your your your patient there, Jane, now are you still, like, an electrical store person? I think I'll just update there. Now in regards to that as well, I do know that forklift driving is considered, like, hazardous just due to the nature of, like, going around on a forklift and the the job that it does entail. Now that's not to say that cover wouldn't be available. It just mean that it might be more expensive.\n\nSo it's definitely something that we'll still double check. Once this sort of pre assessments come back, we send them off to the insurers blindly. It doesn't have your full details. They don't know it's actually specifically you, and they just give us an idea of what cover they're willing to offer and at what prices. And I can even give you a callback once that comes back and have a general conversation around that as well.\n\nPerfect. And then as far as your role and what you're you're doing at the moment there, Jane, are you, like, on the forklift, like, the whole whole day? Does it make up majority of your role, or are you in the office at all? Yep. And then with that, are you entering the trucks, or does it get put to the back of the trucks and then your like, side loaded ones where they just pull the yeah.\n\nOkay. And as far as any other jobs or roles that you're doing at the moment, was that sort of your main role? Do you do any other sort of things there at the moment? Perfect. And then as far as any other tickets, I know you've got your forklift license, obviously, but anything else that you've gotten in the since we last sort of spoke regarding that?\n\nYep. No. That's fine. And then in regards to the job at Bunnings, how long have you been doing that work specifically? Is it just been the past year?\n\nWell, congratulations on the the January. Oh, seventeenth. So so very, very close indeed. And then industry wise, like, operating forklifts, it's probably around the 14 mark. Years, like, in the like, operating forklifts in the similar sort of roles and, like, that sort of things?\n\nOkay. That must just been fourteen years at the previous employer. Yeah. Okay. Perfect.\n\nAnd as far as the employment status, are you full time at the moment? Yep. Is it just like the thirty eight hour week or a little bit of overtime? Thirty eight. Yeah.\n\nNo problem. And do you know roughly what your annual salary is there at the moment? Yep. No. That's that's okay.\n\nWould it I had your last salary around, like, the 93 mark. Would it be similar to that one? Yep. And then in regards to your savings and expenditure at the moment, I had you sort of roughly putting away a $100 a week and then your expenditures around the 600. Is that sort of similar?\n\nAre you, like, saving a bit less now with the income decrease? Or Yep. Not a problem at all. And then within regards to, like, salary sacrifice or any concessional contributions are you doing anything else at the moment? Yep.\n\nNot a problem. And you don't plan on sort of doing anything like that in the the short term? Perfect. And do you know roughly if you just get the 12% for your employee pay contributions or you're not too sure? No.\n\nThat's perfectly fine. And then you don't have an EBA with Bunnings at all? There is? Yep. Do you know specifically what's in that EBA if, like, that affects your superannuation or contributions or anything?\n\nNo. Do you know do you know the the name potentially or the EBA? Is it just like a Bunnings EBA, or is it like a different group that holds it? Yeah. We do have an EBA lookup, but sometimes it's under, like, parent companies and things like that.\n\nBut if it's just the general Bunnings, like, Queensland one, we should yeah. Sorry. I I just off the back of my head, we live in Queensland, so we don't wanna call today. Sorry. So and then details in regards to your assets and liabilities there.\n\nSo we had $1.20 owing on the house the last time we spoke and about $5.50 in asset value. Now is that roughly the same? Is it going up a little bit in value, or is it yep. No problem. And then I have two cars here, one worth the 15,000 and then the Holden worth 40.\n\nStill they're still the same? Perfect. And do you have any other assets or or liabilities that I haven't sort of mentioned there? Do you have a little bit of a a savings rainy day fund as well on the side or perfect. I'll just jot that down.\n\nYep. And then in regards to your health wise, I know you were taking medication for your thyroid, but are you taking any other medications currently? No problem. And then any other sort of medical trips to the hospital or anything like that since you've had the the lung testing? Right.\n\nAnd do you currently hold private health cover at the moment there, Jane? Yep. Great. And I know you didn't have a will the last time we spoke. Have you managed to get around to doing up a will with your partner or no.\n\nYeah. No. It's it's one of those things. It's like your people don't need them till they need them. It's definitely it's definitely important, especially, you know, having your partner and children and things like that as well.\n\nYou can do them jointly. We can send through some lawyer information to, like, a general lawyer that we've sort of worked with in the the past. They have a little information pamphlet and just give you some general pricing. In addition to that one as well, you can do, like, your post office wheels. They're not the most ironclad things, but it is at least something on paper, and it doesn't leave people guessing if you only wanna spend, like, you know, the 50 to $100 sort of thing to get one sort of set up if you follow the instructions.\n\nOtherwise, it's, like, I think it's around roughly estimate, like, a $300 potentially for single or, you know, upwards of the 600 per joints and things like that depending on your solicitor that you use. But we can also just send you that information for you to have a look at. It's no obligation to use their services or not. Just gives you a little bit of reading material. Perfect.\n\nAnd then this one's a bit of a weird one, but it's just an updated one on the the fact find there. But don't have any family or yourself? You're not involved in any sort of politics at all? Yes. I know.\n\nI know. It sounds like a little bit of a weird one, but it's like to do with, like, anti money laundering legislation, things like that. Just yeah. No problem. And for yourself, you're not earning an income anywhere outside Australia or able to earn an income outside Australia, not a tax resident anywhere else?\n\nRight. And now as far as the the goals go, I know you were looking at just, you know, enjoying a bit of family time and and travel and things like that and going to New Zealand in the the shorter term. Is that sort of eventuated? Have you got away with the family trip? Or No.\n\nNo. That is unfortunate there. Lucky you did get across before they went or Yeah. That that's nice at least. Sorry to hear that though.\n\nBut in the the short term now, is there anything that you're sort of working towards? Yeah. And, look, you do have quite, like, a healthy balance already in regards to your superannuation. Obviously, you know, cutting back a little bit on the the income there reduces the contributions a little bit, but it is still tracking quite nicely in terms of, like, the growth you are getting out of your superannuation since you've been on board. I will go over that in a little bit there as well.\n\nBut no sort of looking towards family trips. You're mainly just looking at paying down the mortgage you do have. Let me So we're gonna try at 60. And then in regards to your insurance, Sam, and just making sure you're protected, is it mainly just covering for the debt of the the residents? Or yep.\n\nAnd have you had a thought about, like, income replacement and what that might look like if you were unable to to work and then the cost of that? Because because with that, like, generally with partners and having children, you sort of look to maybe sort of seven to ten years, like, order income replacement. Is that's, like, something you did wanna cover for for, like, full risk mitigation in the event that you were incapacitated and unable to work. So, obviously, there's still costs that come with that. Now you obviously can still rely on things like whatever the you can get from the government through, like, NDR support programs and things like that and settlement.\n\nBut if you're unable to earn an income and you're still there sort of thing, you potentially still care for the child but unable to to earn a living, bills still come out. And then that way, you can cover for that. So we given the price and, like, the costing, would you maybe wanna look at sort of, like, a little bit more just in the event that something did happen and maybe sort of look closely to replacing income for a few years even just on top if you are looking to have a policy, the external? Yes. I believe with that one, it's a fourteen day waiting period and two year benefit period, but the I believe there's some insured.\n\nLet me just double check what it actually comes to. It is the one twenty, so you might be a little bit over insured in terms of, like, the yearly amount and what you could claim on. So we could potentially look at reducing that down a little bit as well because that does come out at a higher cost down to your current income. Do you plan on potentially looking at another job? Yes.\n\nYep. Because with that, you can only claim up to 70% of your, like, current income. And given that it's dropped down quite significantly, we can look at potentially reducing that down a little bit to, like, a more claimable amount, which will help with the the cost of that one. Now the way retail insurance work as well is that you potentially end up with, like, exclusions and loadings for, like, health conditions that already preexist. Whereas because you've had the brightest super account quite some time, those conditions could predate the fund itself.\n\nAnd if you've had the fund long enough, sometimes it doesn't matter if they predate the fund or not that you potentially could be covered for them with those group insurances. The way retail cover works is that it's underwritten at the time of application. So they find out everything about your health and exclude everything that's already existing, and then you wouldn't be able to claim on those. Not to say that we can't bump up the life and TPD and have, like, a separate policy just to make sure you're fully insured. But there's a good chance that we might be retaining that cover anyway just in the event that anything did happen because you don't carry or wouldn't carry those exclusions, if that makes sense.\n\nPerfect. Alright. Just sorry. Just talking back to the questions there. So, yeah, we'll have a look and see what that pricing looks like, and then we'll come back and have a bit of a conversation, see what you wanna cover for, and potentially sorta how much.\n\nSometimes it can be cheaper in lots of, like, higher amounts given that you've already got the the policy there. Like, it can be an extra sort of $102,100 dollars a year to have, like, a few 100,000 versus, you know, having, like, the the 50, if that makes sense. But we'll have a play around with that as well. And then in regards to your superannuation, I'm not too sure if they went over it with you. I know you haven't been sent your annual review pack, but you should receive that shortly in terms of, like, the returns with that.\n\nNow your your superannuation was doing really quite well before the end of last year, but then Benelong, the active managed portion in that fund, has taken a little bit of a dive purely because of an underlying investment that they did have. And because that is a 10¢ waiting in your fund, it has caused a bit of a negative impact. And then with the AI stuff that occurred at the start of this year, the hack cyber side of your portfolio has taken a bit of a dive as well. Now in terms of, like, a return overall, you still got 8.96% after fees in terms of return. So still quite a good return out of the superannuation even with those two assets that took a bit of a backwards turn.\n\nNow in regards to the active portion of Benelong there, because it was an underlying asset and it wasn't like an equity, like, issue within, like, the Australian market, we would potentially be looking to remove the Benelong as an update from your portfolio. Because you're in one of the the newer portfolios anyway. It's the rest of portfolio, even the the hack side of the side of things that did take a little bit of a backward step, they still have, like, long term investment faith in that one or conviction that it will still do well over the long term. The been long, not so much anymore. As an investment committee, they're moving away from that.\n\nNow we can look at just replacing that with an active alternative because it is a managed fund. That means that that fund manager tries to outperform the market, and it costs a little bit more to have that active management to try and do better than what the market's doing. Or we can just look to do a more passive option and put it in an index fund much like the rest of your fund where it's a bit lower cost. It just tracks an index within Australia. It'd be around, like, the top 200 companies in Australia, and it just tracks that index at a a lower price as a replacement option for that Benelon, if that makes sense.\n\nAs a cost wise, it'd be hard to say because it's based on balance and how much is actually, like, invested in it. Generally, like, as a a cost basis, it works out to be, like, a point 5% cost for, like, the investment invested in it versus, like, the the passive portion, which can be much lower sort of about, like, the half of that sort of thing. But as I said, one just tracks the index while the other one actively tries to outperform it. So you're basically paying for the fund manager to try and, you know, do some buys and sells and find some value in some stocks and companies that can potentially perform better than what they like, industry or area, which is like Australia there, would be doing on average. Benelongs, the active portion.\n\nSo it's a Benelongs and Australian equities fund, and it is actively managed, and that's about the 10% mark. So we could look to just replace that 10% with a a more passive index side of things, which would mimic sort of the rest of your portfolio. And you wouldn't have the active management, but you'd be paying less in overall fees. Or you could look to just have it replaced with an active alternative and keep that active management within your super for something that's comparable in the Australian market. Yeah.\n\nLook. In terms of, like, age and time horizon, even if you still wanna, you know, could retire at the age of 60, you're still a bit of a spring ticking. You've got a fair way to go yet. That ten years is still quite a way away. So you could still look to maintain an active portion, and it wouldn't be sort of an issue.\n\nAs I said, it is, like, 10% of the portfolio. So not to say it's insignificant, but not to say that it's, like, it's detrimental if it does have something like did occur, like, to do, you know, over 8% still as a return even with one of those doing quite poorly and then the other one doing a little bit bad. So that's two negative performers in your portfolio, but still quite good. The rest of your portfolio is tracked quite well and is still, like, performing quite well. There is an option just to review the entire portfolio, but given that apart from those assets that I spoke about there, it's actually largely doing quite well in terms of, like, the return it is.\n\nYep. Perfect. No. No. That's perfectly fine.\n\nObviously, we could potentially leave it and sort of try and ride it out. But given what that just did occur, given that it was sort of you know, if the fund manager was probably paying a bit more attention, he might likely not have occurred. It's not to say that it's like the Australian market's doing bad at the moment. It's just that fund that really isn't doing too well. So it's a it's a little bit of a sell low, buy high kind of scenario, but in saying that, you know, if a horse is dead, you you gotta stop blogging it at some point.\n\nSo perfect. So that's everything in regards to those updates there. I will just run through a quick risk profile with you, Dendane, and just make sure that it does line up. As you said, you you know, you are getting a little bit older, so your risk tolerance may change a little bit. So we can just run through those few questions, make sure you're happy with everything, and then the the allocation that you currently hold within that.\n\nBecause, obviously, you know, like you said, you do get closer to time, you generally wanna look at sort of reducing risk, but you do have that time horizon on your side to to maintain that high growth at least even for the next sort of seven to eight years and look at winding it down closer to retirement there. But have you had, like, investment or direct shares previously for yourself? Or yeah. Just the the managed phone within? No.\n\nThat's perfectly fine. And then in terms of, like, taking on risk, do you consider yourself a little bit of a risk taker? Like, would you say that you wanna take on, like, a little bit of risk to try and outpace inflation in the markets and get a little bit of a high return while you're still working? Yep. And would you say that's, like, sort of the the moderate to high, not, like, crazy high?\n\nYeah. And then if your portfolio was to have, like, a 20% decrease in value just from, like, an investing side of things, Do you reckon that would make you wanna sell out, or do you reckon you'd potentially just hold and wait, given, you know, how much yeah. Brilliant. And if in regards to returns, if you're getting, like, six to 8% in terms of, like, an after fee return, would you be quite happy with that year on year? Yeah.\n\nRight. And with, like, in regards to COVID where, you know, there was a bit of a a dip in the market and everything went backwards there, were you looking at your super? Did that make you a little bit cautious at all? Or yeah. No worries.\n\nAnd with borrowed money, I know you own your own property there, but, like, if circumstances are different, would you ever risk borrowed money into things like properties, shares, anything riskier than, like, current home loan? Or yeah. No. Completely understandable. So that does bring out as a growth investment, which is a little bit below the high growth side of things, which is around that 8010 split, which is high growth is at 9010 sort of split from growth to defensive assets.\n\nLike I said, you still got time on your side to be able to have that little bit more of an allocation. And it's not to say that even if you were to decrease down to a growth that your investments would change overly, it just means your allocation to those growth defensive assets would increase a little bit. So it's not like you're jumping from, you know, having something like stock standard shares to, like, a cryptocurrency, which you can't even hold in superannuation. Your your level of investment remains largely at least at Oakview. Sort of similar.\n\nThere are some changes as you do get more aggressive in your investment, but the core of the portfolios largely stay the same even with those, like, risk adjustments in those sort of 10% ranges. But are you happy with the high growth still given, you know, the explanation and everything there, Right. Now in regards to your superannuation and those investment returns, did you have any other questions with that, Jane, or did you want to talk about that a little bit more? Largely still happy with how it's all tracking even with the? Yeah.\n\nOkay. Perfect. So from here, basically, what we'll do is I'll make a a note there as well. We'll get that research done. Obviously, if you've got a bit of time, we can run through that pre assessment now, or I can get you booked in with one of my colleagues to run through that.\n\nYeah. Not a problem at all. And then they'll run through a little bit more about your occupation, a little bit about the health side of things. We'll put that off to the insurers, see what they come back with. As a worst case scenario there, Jane, you're not in a bad position by any means even though you're maybe a tad bit underinsured.\n\nWe can look at reducing that IP, which will save you a little bit of money. I know you're currently contributing to Hub twenty four, and you've got about the 24,000 in your old account. The insurances are opted into, so we could potentially look at moving some of those funds over to Hub twenty four to consolidate the balance a little bit as well. We just have to be mindful that we do have to keep a bit of an eye on that given the fact that you're not contributing to that fund, or we could look at moving the contributions back and just reviewing it a little bit more regularly, if that makes sense. Yeah.\n\nSo, generally, like, a a fund retention, pardon me, is 6,000, generally. In terms of that, I believe with your fund, it's 8 as a minimum balance. And normally, we leave about 10 to 15 anyway in terms of, like, paying for those fees. And each year, we have you under review and you sort of review where things are at. Obviously, if you're not contributing, it's a little bit more risky.\n\nEven with the insurances opted in, you do have to keep a little bit more of an eye on it. But because you completed that form, it just means that it's a little bit safer in regards to that as well. But if you're happy sort of leaving those funds there as well, we don't have to to touch anything, but that's always an option to have the funds a little bit more consolidated to your your better performing sort of fund as well. Brilliant. But is there anything else that you wanna have a chat about before I look to to book you in for your pre assessment there at all, Jane?\n\nNot a problem at all. Brilliant. And what sort of day would work best for you in terms of completing that pre assessment with one of my colleagues there, Jane? Yep. So even, potentially, this Thursday at 5PM would work well for you?\n\nPerfect. I'll get that booked in there. And just refresh my memory there. Sorry, Jane. Your partner, she's not a client of ours?\n\nNot not a problem at all. I was just double checking because at the moment, they did have, like, a coupling fee going. So I just wanna make sure that that was applied if she was a a client or or looking to receive advice. But if she's happy with her AMP, that's not a problem at all. Brilliant.\n\nIf you've got no more questions for me there, Jane, you should receive the annual review pack shortly in terms of, like, your ongoing service agreement. Obviously, you can opt out of that at any time. So if it turns around in, you know, like, a few weeks there once you do get the advice update piece and the information regarding assurances that you're not too happy with this and wanna go your separate ways, you can always opt out. You'll receive your other documents here in regards to your COC and your performance report as well for you to have a a look at. If you do have any other questions regarding that as well, I can even see if someone's available this afternoon to send that out to you.\n\nYeah. Feel free to to reach out. Otherwise, we'll get that on the the road, and then they'll send you that lawyer information booklet shortly as well. No problem. Other than that there, Jane, you enjoy the rest of your afternoon, and I'll be speaking with you at Thursday there at 5PM.\n\nNot a problem at all, Jane. Thanks for your time. Hope I answered all your your questions this afternoon. No problem at all. Thanks now.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Jane.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.2958364685376485},{"text":"It's Carl calling from OPU Financial.","start":3.28,"end":5.04,"sentiment":"neutral","sentiment_score":0.20423153539498648},{"text":"How are you today?","start":5.04,"end":5.94,"sentiment":"neutral","sentiment_score":0.21342137083411217},{"text":"Good to hear.","start":8.0,"end":8.639999,"sentiment":"positive","sentiment_score":0.5245261490345001},{"text":"I just scheduled in for a bit of a follow-up conversation.","start":8.639999,"end":11.219999,"sentiment":"neutral","sentiment_score":0.14007274332371625}],"sentiment":"neutral","sentiment_score":0.22522084166606268,"num_words":27,"start":2.48,"end":11.219999},{"sentences":[{"text":"If now is still a good time for you?","start":11.84,"end":13.2,"sentiment":"neutral","sentiment_score":0.11318855235973994},{"text":"Yeah.","start":13.2,"end":13.44,"sentiment":"neutral","sentiment_score":0.2506904900074005},{"text":"Brilliant.","start":13.44,"end":13.94,"sentiment":"positive","sentiment_score":0.4699081778526306},{"text":"If I could just pass you through security, just that name, date of birth, and current address, we can get stuck into that one today.","start":14.755,"end":19.494999,"sentiment":"neutral","sentiment_score":0.16527638733386993},{"text":"Brilliant.","start":28.835,"end":29.235,"sentiment":"positive","sentiment_score":0.43115586042404175}],"sentiment":"neutral","sentiment_score":0.17033408602347244,"num_words":37,"start":11.84,"end":29.235},{"sentences":[{"text":"Thank you for that one.","start":29.235,"end":30.46,"sentiment":"positive","sentiment_score":0.5349570512771606},{"text":"I'll just let you know these calls are recorded for training quality purposes there.","start":30.599998,"end":34.379997,"sentiment":"neutral","sentiment_score":0.1619021456156458},{"text":"Now I know previously, I believe you had a conversation with my colleague, Severiano, Sebi, in regards to your annual review, but I believe it was quite brief, and that was meant to be a follow-up conversation that didn't occur.","start":35.8,"end":47.454998,"sentiment":"neutral","sentiment_score":0.0007078113805619069},{"text":"So I'm happy to run through, like, the call just as, like, and do your, like, any review sort of from scratch if you're you're happy with that.","start":47.695,"end":55.454998,"sentiment":"neutral","sentiment_score":0.25194279317344936},{"text":"Yeah.","start":55.454998,"end":55.954998,"sentiment":"neutral","sentiment_score":0.10658499598503111}],"sentiment":"neutral","sentiment_score":0.13784898812578336,"num_words":88,"start":29.235,"end":55.954998},{"sentences":[{"text":"Not a not a problem at all.","start":56.094997,"end":57.69,"sentiment":"neutral","sentiment_score":0.12852766151939118},{"text":"So within regards to that one, Jane, did you have any questions specifically that you want answered before we jump into everything?","start":58.329998,"end":64.909996,"sentiment":"neutral","sentiment_score":0.021532397463240406},{"text":"Or yep.","start":65.049995,"end":72.975,"sentiment":"neutral","sentiment_score":-0.03603711910545826},{"text":"Yeah.","start":90.03,"end":90.43,"sentiment":"neutral","sentiment_score":-0.034673094749450684},{"text":"No.","start":90.43,"end":90.67,"sentiment":"neutral","sentiment_score":-0.12552368640899658}],"sentiment":"neutral","sentiment_score":0.03457985925629283,"num_words":33,"start":56.094997,"end":90.67},{"sentences":[{"text":"Completely understandable.","start":90.67,"end":91.649994,"sentiment":"neutral","sentiment_score":-0.1386047750711441},{"text":"So I believe when you originally first came on board that you had an undiagnosed mass on your left lung that you were seeking doctors reports from and follow ups for that, and you're on a waiting list to get it potentially fixed.","start":92.03,"end":107.814995,"sentiment":"neutral","sentiment_score":-0.07569578073399011},{"text":"Now have you finalized all of that?","start":107.814995,"end":110.774994,"sentiment":"neutral","sentiment_score":-0.026941411729369844},{"text":"Like, has that been removed?","start":110.774994,"end":112.075,"sentiment":"neutral","sentiment_score":-0.05345388203859329},{"text":"Yep.","start":119.189995,"end":119.689995,"sentiment":"positive","sentiment_score":0.44885778427124023}],"sentiment":"neutral","sentiment_score":-0.06101947637467549,"num_words":58,"start":90.67,"end":119.689995},{"sentences":[{"text":"Perfect.","start":120.39,"end":120.89,"sentiment":"positive","sentiment_score":0.7401856184005737},{"text":"So with that one, obviously, at the time when you came on board due to that, when you undergo, like, any sort of, like, medical appointments, even if it's just a general checkup, they won't actually touch, like, retail cover until the point where you've, like, had your checkups and got cleared or diagnosed with any sort of thing.","start":120.95,"end":137.085,"sentiment":"neutral","sentiment_score":0.051041068130377995},{"text":"So given that it was just a shadow, we can definitely have a look and see what a retail policy may cost and may look like now given that you don't have, like, that ongoing issue from, like, obviously, just being a shadow.","start":137.38501,"end":151.5,"sentiment":"neutral","sentiment_score":-0.05611626994471217},{"text":"Now within regards to that one, obviously, insurances do get more expensive, though.","start":151.72,"end":157.355,"sentiment":"neutral","sentiment_score":-0.0967436504478638},{"text":"You do get older as well, and you don't have a huge amount of debt currently given that you've only got a little bit left on the house.","start":157.355,"end":163.935,"sentiment":"neutral","sentiment_score":-0.16585174429097346}],"sentiment":"neutral","sentiment_score":-0.03168685601041135,"num_words":144,"start":120.39,"end":163.935},{"sentences":[{"text":"So we can definitely just have a look at sort of a base amount, what that sort of looks like in regards to that.","start":164.075,"end":169.84999,"sentiment":"neutral","sentiment_score":0.06314931375284989},{"text":"And then like you said, you do have the brighter super cover as well.","start":170.06999,"end":173.51,"sentiment":"neutral","sentiment_score":0.175734493881464},{"text":"Now, obviously, with that one, like you said, it's not to your needs currently.","start":173.51,"end":177.82999,"sentiment":"neutral","sentiment_score":-0.24532137704747065},{"text":"You're probably a little bit under insured in terms of you did wanna cover, like, for the full debt.","start":177.82999,"end":182.09,"sentiment":"negative","sentiment_score":-0.3565985874125832},{"text":"But in saying that as well, if you like, your partner obviously does earn an income and things like that as well, you do have your superannuation balance that offsets that.","start":182.82501,"end":191.785,"sentiment":"neutral","sentiment_score":0.029725476378394712}],"sentiment":"neutral","sentiment_score":-0.05208349242514255,"num_words":102,"start":164.075,"end":191.785},{"sentences":[{"text":"If anything did sort of occur, like, you were totally permanently disabled, you can make a claim against your super as well, which could be used for those debts.","start":191.785,"end":199.26,"sentiment":"neutral","sentiment_score":-0.02610363849791987},{"text":"As far as, like, living past that, you would potentially have to rely on things like government assistance programs and things like that.","start":199.48,"end":205.58,"sentiment":"neutral","sentiment_score":-0.12164093068112498},{"text":"But it also depends on just how much you wanna sort of spend in terms of, like, paying for that risk mitigation, if that makes sense.","start":206.52,"end":213.535,"sentiment":"neutral","sentiment_score":-0.039002082095696375},{"text":"Perfect.","start":215.115,"end":215.615,"sentiment":"neutral","sentiment_score":-0.017255455255508423},{"text":"Now with that one there, Jane, so to look at retail cover, we generally have to go through what we call a pre assessment process where we run through some bit questions about your occupation, just general lifestyle, some medical history for yourself, and then also some family history, if that makes sense.","start":215.835,"end":231.13,"sentiment":"neutral","sentiment_score":0.011379688969409128}],"sentiment":"neutral","sentiment_score":-0.030173734821746068,"num_words":132,"start":191.785,"end":231.13},{"sentences":[{"text":"Now I can do that at the end of this phone call.","start":232.79,"end":234.55,"sentiment":"neutral","sentiment_score":0.26966481904188794},{"text":"I can get you booked in with a colleague after we run through everything else depending on how much time you've got left.","start":234.55,"end":240.245,"sentiment":"neutral","sentiment_score":0.21049863423990167},{"text":"In in saying that, I'll run over everything else as well.","start":241.505,"end":244.225,"sentiment":"neutral","sentiment_score":0.11751332675868814},{"text":"So I'll confirm all your details and make sure everything is up to date there.","start":244.225,"end":247.845,"sentiment":"neutral","sentiment_score":0.13961136589447656},{"text":"She said the email is up to date and the, sorry, the address.","start":248.145,"end":251.23,"sentiment":"neutral","sentiment_score":0.06326240100539647}],"sentiment":"neutral","sentiment_score":0.16603614475477385,"num_words":74,"start":232.79,"end":251.23},{"sentences":[{"text":"But the email is at wikileaks64@gmail.com?","start":251.23,"end":255.17,"sentiment":"neutral","sentiment_score":0.025549222404758137},{"text":"Perfect.","start":257.07,"end":257.57,"sentiment":"positive","sentiment_score":0.5421055555343628},{"text":"Brilliant.","start":259.39,"end":259.79,"sentiment":"positive","sentiment_score":0.5791462659835815},{"text":"And still currently married?","start":259.79,"end":261.07,"sentiment":"neutral","sentiment_score":0.11167263053357601},{"text":"I know I mentioned it before, but still currently married?","start":261.07,"end":263.135,"sentiment":"neutral","sentiment_score":0.02868197001516819}],"sentiment":"neutral","sentiment_score":0.0912753353742036,"num_words":22,"start":251.23,"end":263.135},{"sentences":[{"text":"Perfect.","start":264.875,"end":265.375,"sentiment":"neutral","sentiment_score":0.21820098161697388},{"text":"And then in regards to next to kin, I've got Beverly Cooper down.","start":265.915,"end":269.195,"sentiment":"neutral","sentiment_score":0.08125737939889614},{"text":"Is that still accurate and up to date?","start":269.195,"end":270.815,"sentiment":"neutral","sentiment_score":0.08804689906537533},{"text":"Perfect.","start":272.395,"end":272.875,"sentiment":"neutral","sentiment_score":0.14360405504703522},{"text":"And the relation to Beverly, is that your partner or mother or wife?","start":272.875,"end":278.02,"sentiment":"neutral","sentiment_score":0.050396208866284445}],"sentiment":"neutral","sentiment_score":0.0771576910176211,"num_words":36,"start":264.875,"end":278.02},{"sentences":[{"text":"Yep.","start":278.02,"end":278.52,"sentiment":"neutral","sentiment_score":0.04349834471940994},{"text":"Not a problem at all.","start":279.94,"end":281.24,"sentiment":"neutral","sentiment_score":0.10009338259696961},{"text":"And then in regards to dependents, I have you have one dependent.","start":281.53998,"end":284.91998,"sentiment":"neutral","sentiment_score":0.017029726489757497},{"text":"Is that still the case?","start":284.97998,"end":286.6,"sentiment":"neutral","sentiment_score":0.020490626990795135},{"text":"Perfect.","start":288.18,"end":288.68,"sentiment":"neutral","sentiment_score":0.1266007423400879}],"sentiment":"neutral","sentiment_score":0.040723993869808815,"num_words":24,"start":278.02,"end":288.68},{"sentences":[{"text":"And as far as your your your patient there, Jane, now are you still, like, an electrical store person?","start":288.74,"end":294.23502,"sentiment":"neutral","sentiment_score":0.0059958028754121375},{"text":"I think I'll just update there.","start":300.855,"end":302.81,"sentiment":"neutral","sentiment_score":-0.12150455762942632},{"text":"Now in regards to that as well, I do know that forklift driving is considered, like, hazardous just due to the nature of, like, going around on a forklift and the the job that it does entail.","start":309.59,"end":319.985,"sentiment":"neutral","sentiment_score":-0.17803619399264053},{"text":"Now that's not to say that cover wouldn't be available.","start":320.28497,"end":323.16498,"sentiment":"neutral","sentiment_score":-0.20968130081892014},{"text":"It just mean that it might be more expensive.","start":323.16498,"end":325.10498,"sentiment":"neutral","sentiment_score":-0.2546498560243183}],"sentiment":"neutral","sentiment_score":-0.1431000985343147,"num_words":81,"start":288.74,"end":325.10498},{"sentences":[{"text":"So it's definitely something that we'll still double check.","start":325.16498,"end":327.32498,"sentiment":"neutral","sentiment_score":-0.21109322872426775},{"text":"Once this sort of pre assessments come back, we send them off to the insurers blindly.","start":327.32498,"end":330.78497,"sentiment":"neutral","sentiment_score":-0.18890975881367922},{"text":"It doesn't have your full details.","start":330.87,"end":332.38998,"sentiment":"neutral","sentiment_score":-0.21766602993011475},{"text":"They don't know it's actually specifically you, and they just give us an idea of what cover they're willing to offer and at what prices.","start":332.38998,"end":338.63,"sentiment":"neutral","sentiment_score":0.10148947298526764},{"text":"And I can even give you a callback once that comes back and have a general conversation around that as well.","start":338.63,"end":343.13,"sentiment":"neutral","sentiment_score":0.19372968020893278}],"sentiment":"neutral","sentiment_score":0.004898295193523555,"num_words":77,"start":325.16498,"end":343.13},{"sentences":[{"text":"Perfect.","start":344.55,"end":345.05,"sentiment":"positive","sentiment_score":0.759404182434082},{"text":"And then as far as your role and what you're you're doing at the moment there, Jane, are you, like, on the forklift, like, the whole whole day?","start":345.27,"end":352.17502,"sentiment":"neutral","sentiment_score":0.07913208313818489},{"text":"Does it make up majority of your role, or are you in the office at all?","start":352.17502,"end":355.635,"sentiment":"neutral","sentiment_score":0.014266311947721988},{"text":"Yep.","start":370.19,"end":370.35,"sentiment":"neutral","sentiment_score":0.015520641580224035},{"text":"And then with that, are you entering the trucks, or does it get put to the back of the trucks and then your like, side loaded ones where they just pull the yeah.","start":370.35,"end":382.715,"sentiment":"neutral","sentiment_score":-0.0046119840081894035}],"sentiment":"neutral","sentiment_score":0.038818843933883344,"num_words":79,"start":344.55,"end":382.715},{"sentences":[{"text":"Okay.","start":382.715,"end":383.215,"sentiment":"neutral","sentiment_score":0.060706354677677155},{"text":"And as far as any other jobs or roles that you're doing at the moment, was that sort of your main role?","start":392.19998,"end":397.24,"sentiment":"neutral","sentiment_score":0.014245827301320705},{"text":"Do you do any other sort of things there at the moment?","start":397.24,"end":400.06,"sentiment":"neutral","sentiment_score":-0.0036029228940606117},{"text":"Perfect.","start":410.535,"end":411.035,"sentiment":"positive","sentiment_score":0.385244756937027},{"text":"And then as far as any other tickets, I know you've got your forklift license, obviously, but anything else that you've gotten in the since we last sort of spoke regarding that?","start":412.775,"end":421.63,"sentiment":"neutral","sentiment_score":0.03138812514953315}],"sentiment":"neutral","sentiment_score":0.025302121210295486,"num_words":68,"start":382.715,"end":421.63},{"sentences":[{"text":"Yep.","start":422.97,"end":423.21002,"sentiment":"neutral","sentiment_score":0.00812018383294344},{"text":"No.","start":423.21002,"end":423.45,"sentiment":"neutral","sentiment_score":0.003715673461556434},{"text":"That's fine.","start":423.45,"end":424.19,"sentiment":"neutral","sentiment_score":0.06859724968671799},{"text":"And then in regards to the job at Bunnings, how long have you been doing that work specifically?","start":424.89,"end":429.63,"sentiment":"neutral","sentiment_score":0.009361877106130123},{"text":"Is it just been the past year?","start":429.69,"end":440.45502,"sentiment":"neutral","sentiment_score":-0.007940575347415038}],"sentiment":"neutral","sentiment_score":0.009033107487805959,"num_words":29,"start":422.97,"end":440.45502},{"sentences":[{"text":"Well, congratulations on the the January.","start":440.45502,"end":442.715,"sentiment":"neutral","sentiment_score":0.024659382955481608},{"text":"Oh, seventeenth.","start":443.815,"end":444.39502,"sentiment":"neutral","sentiment_score":0.00848093070089817},{"text":"So so very, very close indeed.","start":444.775,"end":447.57,"sentiment":"neutral","sentiment_score":0.004330485748747985},{"text":"And then industry wise, like, operating forklifts, it's probably around the 14 mark.","start":447.95,"end":451.97,"sentiment":"neutral","sentiment_score":0.00876232420481616},{"text":"Years, like, in the like, operating forklifts in the similar sort of roles and, like, that sort of things?","start":454.91,"end":467.195,"sentiment":"neutral","sentiment_score":-0.01612335673876499}],"sentiment":"neutral","sentiment_score":-0.000033314994494582564,"num_words":46,"start":440.45502,"end":467.195},{"sentences":[{"text":"Okay.","start":467.655,"end":467.815,"sentiment":"neutral","sentiment_score":-0.00224918033927679},{"text":"That must just been fourteen years at the previous employer.","start":467.815,"end":471.035,"sentiment":"neutral","sentiment_score":-0.02811412322334945},{"text":"Yeah.","start":471.73502,"end":471.975,"sentiment":"neutral","sentiment_score":0.1054038181900978},{"text":"Okay.","start":471.975,"end":472.295,"sentiment":"neutral","sentiment_score":0.25889402627944946},{"text":"Perfect.","start":472.295,"end":472.795,"sentiment":"positive","sentiment_score":0.5156351327896118}],"sentiment":"neutral","sentiment_score":0.042610183191884844,"num_words":14,"start":467.655,"end":472.795},{"sentences":[{"text":"And as far as the employment status, are you full time at the moment?","start":473.24002,"end":476.06003,"sentiment":"neutral","sentiment_score":0.1027198995330504},{"text":"Yep.","start":477.32,"end":477.56003,"sentiment":"neutral","sentiment_score":0.04769294708967209},{"text":"Is it just like the thirty eight hour week or a little bit of overtime?","start":477.56003,"end":480.92,"sentiment":"neutral","sentiment_score":0.015613693743944168},{"text":"Thirty eight.","start":480.92,"end":481.32,"sentiment":"neutral","sentiment_score":0.008365703281015158},{"text":"Yeah.","start":481.32,"end":481.82,"sentiment":"neutral","sentiment_score":0.059798453003168106}],"sentiment":"neutral","sentiment_score":0.054439600190204204,"num_words":33,"start":473.24002,"end":481.82},{"sentences":[{"text":"No problem.","start":482.12003,"end":482.68002,"sentiment":"neutral","sentiment_score":0.09606333449482918},{"text":"And do you know roughly what your annual salary is there at the moment?","start":482.68002,"end":485.415,"sentiment":"neutral","sentiment_score":0.01224468182772398},{"text":"Yep.","start":487.975,"end":488.475,"sentiment":"neutral","sentiment_score":0.0026595040690153837},{"text":"No.","start":488.855,"end":489.095,"sentiment":"neutral","sentiment_score":-0.06332485377788544},{"text":"That's that's okay.","start":489.095,"end":490.075,"sentiment":"neutral","sentiment_score":0.024974698200821877}],"sentiment":"neutral","sentiment_score":0.017990998070066173,"num_words":21,"start":482.12003,"end":490.075},{"sentences":[{"text":"Would it I had your last salary around, like, the 93 mark.","start":491.255,"end":494.775,"sentiment":"neutral","sentiment_score":-0.0313294076671203},{"text":"Would it be similar to that one?","start":494.775,"end":496.715,"sentiment":"neutral","sentiment_score":-0.01712644738810403},{"text":"Yep.","start":504.47,"end":504.97,"sentiment":"neutral","sentiment_score":0.030987605452537537},{"text":"And then in regards to your savings and expenditure at the moment, I had you sort of roughly putting away a $100 a week and then your expenditures around the 600.","start":505.59,"end":513.885,"sentiment":"neutral","sentiment_score":0.0013815621214528237},{"text":"Is that sort of similar?","start":513.885,"end":515.24506,"sentiment":"neutral","sentiment_score":-0.005620820820331574}],"sentiment":"neutral","sentiment_score":-0.008037966010825974,"num_words":56,"start":491.255,"end":515.24506},{"sentences":[{"text":"Are you, like, saving a bit less now with the income decrease?","start":515.24506,"end":518.465,"sentiment":"neutral","sentiment_score":-0.07910014037042856},{"text":"Or Yep.","start":518.525,"end":523.565,"sentiment":"neutral","sentiment_score":0.032205633819103234},{"text":"Not a problem at all.","start":523.565,"end":524.78503,"sentiment":"neutral","sentiment_score":0.13124907910823821},{"text":"And then within regards to, like, salary sacrifice or any concessional contributions are you doing anything else at the moment?","start":524.84503,"end":531.82,"sentiment":"neutral","sentiment_score":0.015370563324540853},{"text":"Yep.","start":533.96,"end":534.44,"sentiment":"neutral","sentiment_score":0.016351353377103806}],"sentiment":"neutral","sentiment_score":0.002380439965054393,"num_words":40,"start":515.24506,"end":534.44},{"sentences":[{"text":"Not a problem.","start":534.44,"end":535.34,"sentiment":"neutral","sentiment_score":0.030933205038309097},{"text":"And you don't plan on sort of doing anything like that in the the short term?","start":537.24,"end":540.94,"sentiment":"neutral","sentiment_score":-0.08813866158016026},{"text":"Perfect.","start":543.96,"end":544.455,"sentiment":"neutral","sentiment_score":0.09437137842178343},{"text":"And do you know roughly if you just get the 12% for your employee pay contributions or you're not too sure?","start":544.615,"end":551.03503,"sentiment":"neutral","sentiment_score":-0.030599987666521753},{"text":"No.","start":554.775,"end":555.015,"sentiment":"neutral","sentiment_score":-0.0688178688287735}],"sentiment":"neutral","sentiment_score":-0.0460586952755139,"num_words":42,"start":534.44,"end":555.015},{"sentences":[{"text":"That's perfectly fine.","start":555.015,"end":556.315,"sentiment":"neutral","sentiment_score":0.031142516061663628},{"text":"And then you don't have an EBA with Bunnings at all?","start":556.935,"end":560.84,"sentiment":"neutral","sentiment_score":-0.050400600345297294},{"text":"There is?","start":560.9,"end":561.56,"sentiment":"neutral","sentiment_score":-0.0180061599239707},{"text":"Yep.","start":561.62,"end":561.86,"sentiment":"neutral","sentiment_score":0.002648191526532173},{"text":"Do you know specifically what's in that EBA if, like, that affects your superannuation or contributions or anything?","start":561.86,"end":567.16003,"sentiment":"neutral","sentiment_score":-0.04057397051817841}],"sentiment":"neutral","sentiment_score":-0.03499070437891143,"num_words":35,"start":555.015,"end":567.16003},{"sentences":[{"text":"No.","start":570.82,"end":571.155,"sentiment":"neutral","sentiment_score":-0.11076240241527556},{"text":"Do you know do you know the the name potentially or the EBA?","start":572.195,"end":579.075,"sentiment":"neutral","sentiment_score":-0.04016264470723959},{"text":"Is it just like a Bunnings EBA, or is it like a different group that holds it?","start":579.075,"end":583.015,"sentiment":"neutral","sentiment_score":-0.0048424525542513416},{"text":"Yeah.","start":590.61,"end":590.93,"sentiment":"neutral","sentiment_score":0.027846388518810272},{"text":"We do have an EBA lookup, but sometimes it's under, like, parent companies and things like that.","start":590.93,"end":594.69,"sentiment":"neutral","sentiment_score":0.00938764209037318}],"sentiment":"neutral","sentiment_score":-0.01077065659135732,"num_words":49,"start":570.82,"end":594.69},{"sentences":[{"text":"But if it's just the general Bunnings, like, Queensland one, we should yeah.","start":594.69,"end":601.33496,"sentiment":"neutral","sentiment_score":-0.0047964439369164984},{"text":"Sorry.","start":601.33496,"end":601.83496,"sentiment":"neutral","sentiment_score":-0.04213794320821762},{"text":"I I just off the back of my head, we live in Queensland, so we don't wanna call today.","start":602.055,"end":606.375,"sentiment":"neutral","sentiment_score":-0.05939105736385835},{"text":"Sorry.","start":606.375,"end":606.615,"sentiment":"neutral","sentiment_score":-0.07910630106925964},{"text":"So and then details in regards to your assets and liabilities there.","start":606.615,"end":612.57996,"sentiment":"neutral","sentiment_score":-0.03512582570935289}],"sentiment":"neutral","sentiment_score":-0.03768560899745511,"num_words":46,"start":594.69,"end":612.57996},{"sentences":[{"text":"So we had $1.20 owing on the house the last time we spoke and about $5.50 in asset value.","start":612.57996,"end":618.42,"sentiment":"neutral","sentiment_score":-0.03888292434184175},{"text":"Now is that roughly the same?","start":618.42,"end":620.5,"sentiment":"neutral","sentiment_score":-0.02627392951399088},{"text":"Is it going up a little bit in value, or is it yep.","start":620.5,"end":624.89996,"sentiment":"neutral","sentiment_score":-0.01649161112996248},{"text":"No problem.","start":624.89996,"end":625.56,"sentiment":"neutral","sentiment_score":0.10156742110848427},{"text":"And then I have two cars here, one worth the 15,000 and then the Holden worth 40.","start":625.69995,"end":631.925,"sentiment":"neutral","sentiment_score":0.02258284083184074}],"sentiment":"neutral","sentiment_score":-0.009188893822985784,"num_words":57,"start":612.57996,"end":631.925},{"sentences":[{"text":"Still they're still the same?","start":633.425,"end":634.885,"sentiment":"neutral","sentiment_score":0.030609844252467155},{"text":"Perfect.","start":636.305,"end":636.705,"sentiment":"positive","sentiment_score":0.34384480118751526},{"text":"And do you have any other assets or or liabilities that I haven't sort of mentioned there?","start":636.705,"end":640.38,"sentiment":"neutral","sentiment_score":0.03506062037366278},{"text":"Do you have a little bit of a a savings rainy day fund as well on the side or perfect.","start":643.5,"end":650.86,"sentiment":"neutral","sentiment_score":0.02643551118671894},{"text":"I'll just jot that down.","start":650.86,"end":652.24,"sentiment":"neutral","sentiment_score":0.2866938322782516}],"sentiment":"neutral","sentiment_score":0.06364799904016157,"num_words":48,"start":633.425,"end":652.24},{"sentences":[{"text":"Yep.","start":653.835,"end":654.335,"sentiment":"neutral","sentiment_score":0.09420327842235564},{"text":"And then in regards to your health wise, I know you were taking medication for your thyroid, but are you taking any other medications currently?","start":655.03503,"end":662.17505,"sentiment":"neutral","sentiment_score":0.011431488543748855},{"text":"No problem.","start":666.47504,"end":667.195,"sentiment":"neutral","sentiment_score":0.09210153296589851},{"text":"And then any other sort of medical trips to the hospital or anything like that since you've had the the lung testing?","start":667.195,"end":673.91,"sentiment":"neutral","sentiment_score":-0.011953110018194739},{"text":"Right.","start":676.37,"end":676.69,"sentiment":"neutral","sentiment_score":0.0578136220574379}],"sentiment":"neutral","sentiment_score":0.007039975678529956,"num_words":51,"start":653.835,"end":676.69},{"sentences":[{"text":"And do you currently hold private health cover at the moment there, Jane?","start":676.69,"end":680.385,"sentiment":"neutral","sentiment_score":-0.016045609775644083},{"text":"Yep.","start":684.545,"end":685.045,"sentiment":"neutral","sentiment_score":0.07946087419986725},{"text":"Great.","start":688.305,"end":688.545,"sentiment":"neutral","sentiment_score":0.026605134829878807},{"text":"And I know you didn't have a will the last time we spoke.","start":688.545,"end":690.705,"sentiment":"neutral","sentiment_score":-0.015165772145757308},{"text":"Have you managed to get around to doing up a will with your partner or no.","start":690.705,"end":696.27,"sentiment":"neutral","sentiment_score":-0.02779004443436861}],"sentiment":"neutral","sentiment_score":-0.016916424247690222,"num_words":44,"start":676.69,"end":696.27},{"sentences":[{"text":"Yeah.","start":698.51,"end":698.99,"sentiment":"neutral","sentiment_score":-0.026143906638026237},{"text":"No.","start":698.99,"end":699.31,"sentiment":"neutral","sentiment_score":-0.14200085401535034},{"text":"It's it's one of those things.","start":699.31,"end":700.59,"sentiment":"neutral","sentiment_score":-0.06531151632467906},{"text":"It's like your people don't need them till they need them.","start":700.59,"end":702.85004,"sentiment":"neutral","sentiment_score":-0.10154376246712425},{"text":"It's definitely it's definitely important, especially, you know, having your partner and children and things like that as well.","start":703.23004,"end":709.485,"sentiment":"positive","sentiment_score":0.3484246440623936}],"sentiment":"neutral","sentiment_score":0.13008086819593845,"num_words":38,"start":698.51,"end":709.485},{"sentences":[{"text":"You can do them jointly.","start":709.485,"end":710.44495,"sentiment":"neutral","sentiment_score":0.2674329102039337},{"text":"We can send through some lawyer information to, like, a general lawyer that we've sort of worked with in the the past.","start":710.44495,"end":716.285,"sentiment":"neutral","sentiment_score":0.20503579892895438},{"text":"They have a little information pamphlet and just give you some general pricing.","start":716.285,"end":719.725,"sentiment":"neutral","sentiment_score":0.1633190495463518},{"text":"In addition to that one as well, you can do, like, your post office wheels.","start":719.725,"end":723.19995,"sentiment":"neutral","sentiment_score":0.14673747569322587},{"text":"They're not the most ironclad things, but it is at least something on paper, and it doesn't leave people guessing if you only wanna spend, like, you know, the 50 to $100 sort of thing to get one sort of set up if you follow the instructions.","start":723.19995,"end":734.63995,"sentiment":"neutral","sentiment_score":0.06563860237439896}],"sentiment":"neutral","sentiment_score":0.12997231586818017,"num_words":102,"start":709.485,"end":734.63995},{"sentences":[{"text":"Otherwise, it's, like, I think it's around roughly estimate, like, a $300 potentially for single or, you know, upwards of the 600 per joints and things like that depending on your solicitor that you use.","start":734.63995,"end":745.465,"sentiment":"neutral","sentiment_score":0.09888648933597974},{"text":"But we can also just send you that information for you to have a look at.","start":747.125,"end":751.22784,"sentiment":"neutral","sentiment_score":0.23032673727720976},{"text":"It's no obligation to use their services or not.","start":751.22784,"end":754.00226,"sentiment":"neutral","sentiment_score":0.11267904606130388},{"text":"Just gives you a little bit of reading material.","start":754.00226,"end":756.7766,"sentiment":"neutral","sentiment_score":0.11881279117531246},{"text":"Perfect.","start":756.7766,"end":757.0849,"sentiment":"positive","sentiment_score":0.5717225670814514}],"sentiment":"neutral","sentiment_score":0.14002005750579494,"num_words":70,"start":734.63995,"end":757.0849},{"sentences":[{"text":"And then this one's a bit of a weird one, but it's just an updated one on the the fact find there.","start":757.0849,"end":763.8667,"sentiment":"neutral","sentiment_score":0.14179673587734049},{"text":"But don't have any family or yourself?","start":763.8667,"end":765.615,"sentiment":"neutral","sentiment_score":-0.06395759327071053},{"text":"You're not involved in any sort of politics at all?","start":765.615,"end":767.875,"sentiment":"neutral","sentiment_score":-0.17351814433932305},{"text":"Yes.","start":770.495,"end":770.995,"sentiment":"neutral","sentiment_score":-0.027355697005987167},{"text":"I know.","start":771.295,"end":771.615,"sentiment":"neutral","sentiment_score":-0.06094486266374588}],"sentiment":"neutral","sentiment_score":0.01874757549237637,"num_words":42,"start":757.0849,"end":771.615},{"sentences":[{"text":"I know.","start":771.615,"end":771.855,"sentiment":"neutral","sentiment_score":-0.054477348923683167},{"text":"It sounds like a little bit of a weird one, but it's like to do with, like, anti money laundering legislation, things like that.","start":771.855,"end":776.64,"sentiment":"neutral","sentiment_score":-0.10450878941143553},{"text":"Just yeah.","start":777.60004,"end":778.56,"sentiment":"neutral","sentiment_score":0.032011739909648895},{"text":"No problem.","start":778.56,"end":779.38,"sentiment":"neutral","sentiment_score":0.06019102409482002},{"text":"And for yourself, you're not earning an income anywhere outside Australia or able to earn an income outside Australia, not a tax resident anywhere else?","start":780.0,"end":787.22003,"sentiment":"neutral","sentiment_score":-0.021308318600058555}],"sentiment":"neutral","sentiment_score":-0.05391760146753354,"num_words":55,"start":771.615,"end":787.22003},{"sentences":[{"text":"Right.","start":789.84,"end":790.125,"sentiment":"neutral","sentiment_score":-0.03567419573664665},{"text":"And now as far as the the goals go, I know you were looking at just, you know, enjoying a bit of family time and and travel and things like that and going to New Zealand in the the shorter term.","start":791.645,"end":804.69995,"sentiment":"positive","sentiment_score":0.3343357053108332},{"text":"Is that sort of eventuated?","start":804.69995,"end":806.07996,"sentiment":"neutral","sentiment_score":0.1747525677084923},{"text":"Have you got away with the family trip?","start":806.13995,"end":807.89996,"sentiment":"neutral","sentiment_score":0.1238083615899086},{"text":"Or No.","start":807.89996,"end":818.69995,"sentiment":"neutral","sentiment_score":-0.11947787553071976}],"sentiment":"neutral","sentiment_score":0.26837480179311934,"num_words":57,"start":789.84,"end":818.69995},{"sentences":[{"text":"No.","start":818.69995,"end":819.075,"sentiment":"neutral","sentiment_score":-0.33310946822166443},{"text":"That is unfortunate there.","start":819.075,"end":821.255,"sentiment":"negative","sentiment_score":-0.49526800215244293},{"text":"Lucky you did get across before they went or Yeah.","start":822.195,"end":826.055,"sentiment":"neutral","sentiment_score":-0.023193145170807842},{"text":"That that's nice at least.","start":826.835,"end":828.375,"sentiment":"positive","sentiment_score":0.34209024310112},{"text":"Sorry to hear that though.","start":829.315,"end":830.35504,"sentiment":"neutral","sentiment_score":-0.17773840427398682}],"sentiment":"neutral","sentiment_score":-0.06897414937615394,"num_words":25,"start":818.69995,"end":830.35504},{"sentences":[{"text":"But in the the short term now, is there anything that you're sort of working towards?","start":830.35504,"end":834.215,"sentiment":"neutral","sentiment_score":-0.0012391628697514538},{"text":"Yeah.","start":842.24,"end":842.72,"sentiment":"neutral","sentiment_score":0.1803206503391266},{"text":"And, look, you do have quite, like, a healthy balance already in regards to your superannuation.","start":842.72,"end":848.60504,"sentiment":"neutral","sentiment_score":0.25312347523868084},{"text":"Obviously, you know, cutting back a little bit on the the income there reduces the contributions a little bit, but it is still tracking quite nicely in terms of, like, the growth you are getting out of your superannuation since you've been on board.","start":848.98505,"end":860.83,"sentiment":"neutral","sentiment_score":0.2996049550446597},{"text":"I will go over that in a little bit there as well.","start":860.83,"end":862.85004,"sentiment":"neutral","sentiment_score":0.21151035527388254}],"sentiment":"neutral","sentiment_score":0.22394620149992825,"num_words":89,"start":830.35504,"end":862.85004},{"sentences":[{"text":"But no sort of looking towards family trips.","start":864.59,"end":866.83,"sentiment":"neutral","sentiment_score":-0.006215044762939215},{"text":"You're mainly just looking at paying down the mortgage you do have.","start":866.83,"end":869.57,"sentiment":"neutral","sentiment_score":0.060316636227071285},{"text":"Let me So we're gonna try at 60.","start":873.23004,"end":878.445,"sentiment":"neutral","sentiment_score":0.11089161783456802},{"text":"And then in regards to your insurance, Sam, and just making sure you're protected, is it mainly just covering for the debt of the the residents?","start":878.445,"end":886.385,"sentiment":"neutral","sentiment_score":0.0409345393284009},{"text":"Or yep.","start":886.445,"end":896.08,"sentiment":"neutral","sentiment_score":-0.02334201149642467}],"sentiment":"neutral","sentiment_score":0.04605046819363322,"num_words":56,"start":864.59,"end":896.08},{"sentences":[{"text":"And have you had a thought about, like, income replacement and what that might look like if you were unable to to work and then the cost of that?","start":896.08,"end":904.175,"sentiment":"neutral","sentiment_score":-0.06882028255997033},{"text":"Because because with that, like, generally with partners and having children, you sort of look to maybe sort of seven to ten years, like, order income replacement.","start":906.07495,"end":914.01495,"sentiment":"neutral","sentiment_score":-0.0416645718117555},{"text":"Is that's, like, something you did wanna cover for for, like, full risk mitigation in the event that you were incapacitated and unable to work.","start":914.07495,"end":920.8,"sentiment":"neutral","sentiment_score":-0.08662199303507805},{"text":"So, obviously, there's still costs that come with that.","start":920.8,"end":922.56,"sentiment":"neutral","sentiment_score":-0.22448769211769104},{"text":"Now you obviously can still rely on things like whatever the you can get from the government through, like, NDR support programs and things like that and settlement.","start":922.56,"end":929.38,"sentiment":"neutral","sentiment_score":-0.01228792519707765}],"sentiment":"neutral","sentiment_score":-0.06483671689500749,"num_words":118,"start":896.08,"end":929.38},{"sentences":[{"text":"But if you're unable to earn an income and you're still there sort of thing, you potentially still care for the child but unable to to earn a living, bills still come out.","start":931.01495,"end":939.755,"sentiment":"neutral","sentiment_score":-0.1881173150331685},{"text":"And then that way, you can cover for that.","start":939.815,"end":941.495,"sentiment":"neutral","sentiment_score":0.1802002431617843},{"text":"So we given the price and, like, the costing, would you maybe wanna look at sort of, like, a little bit more just in the event that something did happen and maybe sort of look closely to replacing income for a few years even just on top if you are looking to have a policy, the external?","start":941.495,"end":957.58997,"sentiment":"neutral","sentiment_score":0.020112092132892525},{"text":"Yes.","start":969.185,"end":969.505,"sentiment":"neutral","sentiment_score":0.030598247423768044},{"text":"I believe with that one, it's a fourteen day waiting period and two year benefit period, but the I believe there's some insured.","start":969.505,"end":978.9,"sentiment":"neutral","sentiment_score":0.01190345782948577}],"sentiment":"neutral","sentiment_score":-0.025490261614322662,"num_words":123,"start":931.01495,"end":978.9},{"sentences":[{"text":"Let me just double check what it actually comes to.","start":980.0,"end":982.66,"sentiment":"neutral","sentiment_score":-0.026631733775138854},{"text":"It is the one twenty, so you might be a little bit over insured in terms of, like, the yearly amount and what you could claim on.","start":983.04,"end":991.075,"sentiment":"neutral","sentiment_score":-0.04281056148034555},{"text":"So we could potentially look at reducing that down a little bit as well because that does come out at a higher cost down to your current income.","start":991.775,"end":998.76,"sentiment":"neutral","sentiment_score":-0.13171164212482317},{"text":"Do you plan on potentially looking at another job?","start":998.76,"end":1001.10004,"sentiment":"neutral","sentiment_score":-0.23338117036554548},{"text":"Yes.","start":1002.44,"end":1002.94,"sentiment":"neutral","sentiment_score":-0.023508675396442413}],"sentiment":"neutral","sentiment_score":-0.09645423581202825,"num_words":75,"start":980.0,"end":1002.94},{"sentences":[{"text":"Yep.","start":1004.84,"end":1005.34,"sentiment":"neutral","sentiment_score":0.0978088602423668},{"text":"Because with that, you can only claim up to 70% of your, like, current income.","start":1005.48,"end":1009.10004,"sentiment":"neutral","sentiment_score":-0.016758714616298676},{"text":"And given that it's dropped down quite significantly, we can look at potentially reducing that down a little bit to, like, a more claimable amount, which will help with the the cost of that one.","start":1009.24,"end":1018.075,"sentiment":"neutral","sentiment_score":0.2433321578162057},{"text":"Now the way retail insurance work as well is that you potentially end up with, like, exclusions and loadings for, like, health conditions that already preexist.","start":1019.175,"end":1028.38,"sentiment":"neutral","sentiment_score":-0.024913545697927475},{"text":"Whereas because you've had the brightest super account quite some time, those conditions could predate the fund itself.","start":1028.4401,"end":1035.48,"sentiment":"neutral","sentiment_score":0.01363369988070594}],"sentiment":"neutral","sentiment_score":0.08379692709759662,"num_words":95,"start":1004.84,"end":1035.48},{"sentences":[{"text":"And if you've had the fund long enough, sometimes it doesn't matter if they predate the fund or not that you potentially could be covered for them with those group insurances.","start":1035.48,"end":1042.9451,"sentiment":"neutral","sentiment_score":-0.04179319407370302},{"text":"The way retail cover works is that it's underwritten at the time of application.","start":1043.3251,"end":1046.545,"sentiment":"neutral","sentiment_score":0.15806192798273905},{"text":"So they find out everything about your health and exclude everything that's already existing, and then you wouldn't be able to claim on those.","start":1046.685,"end":1053.27,"sentiment":"neutral","sentiment_score":0.14790913866211972},{"text":"Not to say that we can't bump up the life and TPD and have, like, a separate policy just to make sure you're fully insured.","start":1053.35,"end":1059.05,"sentiment":"neutral","sentiment_score":-0.026340072005987168},{"text":"But there's a good chance that we might be retaining that cover anyway just in the event that anything did happen because you don't carry or wouldn't carry those exclusions, if that makes sense.","start":1060.39,"end":1069.755,"sentiment":"neutral","sentiment_score":0.09609161730965271}],"sentiment":"neutral","sentiment_score":0.05527898821674171,"num_words":128,"start":1035.48,"end":1069.755},{"sentences":[{"text":"Perfect.","start":1071.975,"end":1072.475,"sentiment":"positive","sentiment_score":0.5125903487205505},{"text":"Alright.","start":1074.9349,"end":1075.4349,"sentiment":"neutral","sentiment_score":0.24581484496593475},{"text":"Just sorry.","start":1076.0549,"end":1077.095,"sentiment":"neutral","sentiment_score":0.0549529567360878},{"text":"Just talking back to the questions there.","start":1077.095,"end":1078.71,"sentiment":"neutral","sentiment_score":-0.024275807397706167},{"text":"So, yeah, we'll have a look and see what that pricing looks like, and then we'll come back and have a bit of a conversation, see what you wanna cover for, and potentially sorta how much.","start":1080.87,"end":1089.83,"sentiment":"neutral","sentiment_score":0.10888835104803245}],"sentiment":"neutral","sentiment_score":0.09826300198093374,"num_words":47,"start":1071.975,"end":1089.83},{"sentences":[{"text":"Sometimes it can be cheaper in lots of, like, higher amounts given that you've already got the the policy there.","start":1090.1499,"end":1096.335,"sentiment":"neutral","sentiment_score":0.17551436312496663},{"text":"Like, it can be an extra sort of $102,100 dollars a year to have, like, a few 100,000 versus, you know, having, like, the the 50, if that makes sense.","start":1096.335,"end":1106.0349,"sentiment":"neutral","sentiment_score":0.1021030722806851},{"text":"But we'll have a play around with that as well.","start":1106.85,"end":1108.95,"sentiment":"neutral","sentiment_score":0.04529243558645248},{"text":"And then in regards to your superannuation, I'm not too sure if they went over it with you.","start":1109.25,"end":1113.41,"sentiment":"neutral","sentiment_score":-0.09105247321228187},{"text":"I know you haven't been sent your annual review pack, but you should receive that shortly in terms of, like, the returns with that.","start":1113.41,"end":1118.69,"sentiment":"neutral","sentiment_score":0.04001849532748262}],"sentiment":"neutral","sentiment_score":0.06223336428257765,"num_words":102,"start":1090.1499,"end":1118.69},{"sentences":[{"text":"Now your your superannuation was doing really quite well before the end of last year, but then Benelong, the active managed portion in that fund, has taken a little bit of a dive purely because of an underlying investment that they did have.","start":1118.69,"end":1132.1849,"sentiment":"neutral","sentiment_score":-0.26878627441650216},{"text":"And because that is a 10¢ waiting in your fund, it has caused a bit of a negative impact.","start":1132.1849,"end":1138.2,"sentiment":"negative","sentiment_score":-0.6018918123510149},{"text":"And then with the AI stuff that occurred at the start of this year, the hack cyber side of your portfolio has taken a bit of a dive as well.","start":1138.98,"end":1145.625,"sentiment":"neutral","sentiment_score":-0.3200859660903613},{"text":"Now in terms of, like, a return overall, you still got 8.96% after fees in terms of return.","start":1145.945,"end":1152.745,"sentiment":"neutral","sentiment_score":0.17760473406977123},{"text":"So still quite a good return out of the superannuation even with those two assets that took a bit of a backwards turn.","start":1152.745,"end":1159.005,"sentiment":"neutral","sentiment_score":0.2091779452951058}],"sentiment":"neutral","sentiment_score":-0.18171563219617715,"num_words":133,"start":1118.69,"end":1159.005},{"sentences":[{"text":"Now in regards to the active portion of Benelong there, because it was an underlying asset and it wasn't like an equity, like, issue within, like, the Australian market, we would potentially be looking to remove the Benelong as an update from your portfolio.","start":1159.26,"end":1173.68,"sentiment":"neutral","sentiment_score":-0.13914284135468982},{"text":"Because you're in one of the the newer portfolios anyway.","start":1174.105,"end":1176.7649,"sentiment":"neutral","sentiment_score":-0.14920419305562974},{"text":"It's the rest of portfolio, even the the hack side of the side of things that did take a little bit of a backward step, they still have, like, long term investment faith in that one or conviction that it will still do well over the long term.","start":1177.945,"end":1189.74,"sentiment":"neutral","sentiment_score":-0.10091016348451376},{"text":"The been long, not so much anymore.","start":1189.74,"end":1191.34,"sentiment":"neutral","sentiment_score":-0.26339892404420034},{"text":"As an investment committee, they're moving away from that.","start":1191.34,"end":1193.76,"sentiment":"neutral","sentiment_score":-0.27885346445772385}],"sentiment":"neutral","sentiment_score":-0.1424702410665104,"num_words":118,"start":1159.26,"end":1193.76},{"sentences":[{"text":"Now we can look at just replacing that with an active alternative because it is a managed fund.","start":1194.0599,"end":1199.58,"sentiment":"neutral","sentiment_score":-0.008692128583788872},{"text":"That means that that fund manager tries to outperform the market, and it costs a little bit more to have that active management to try and do better than what the market's doing.","start":1199.58,"end":1207.475,"sentiment":"neutral","sentiment_score":0.015626772151639063},{"text":"Or we can just look to do a more passive option and put it in an index fund much like the rest of your fund where it's a bit lower cost.","start":1207.775,"end":1214.175,"sentiment":"neutral","sentiment_score":0.12532779814735537},{"text":"It just tracks an index within Australia.","start":1214.175,"end":1216.115,"sentiment":"neutral","sentiment_score":0.11727985207523618},{"text":"It'd be around, like, the top 200 companies in Australia, and it just tracks that index at a a lower price as a replacement option for that Benelon, if that makes sense.","start":1216.38,"end":1224.8,"sentiment":"positive","sentiment_score":0.3463323237374425}],"sentiment":"neutral","sentiment_score":0.13345438209246874,"num_words":121,"start":1194.0599,"end":1224.8},{"sentences":[{"text":"As a cost wise, it'd be hard to say because it's based on balance and how much is actually, like, invested in it.","start":1229.9,"end":1236.425,"sentiment":"neutral","sentiment_score":-0.008147839456796646},{"text":"Generally, like, as a a cost basis, it works out to be, like, a point 5% cost for, like, the investment invested in it versus, like, the the passive portion, which can be much lower sort of about, like, the half of that sort of thing.","start":1236.885,"end":1253.27,"sentiment":"neutral","sentiment_score":0.10060070414582024},{"text":"But as I said, one just tracks the index while the other one actively tries to outperform it.","start":1253.57,"end":1257.73,"sentiment":"positive","sentiment_score":0.36879127307070625},{"text":"So you're basically paying for the fund manager to try and, you know, do some buys and sells and find some value in some stocks and companies that can potentially perform better than what they like, industry or area, which is like Australia there, would be doing on average.","start":1257.73,"end":1272.84,"sentiment":"neutral","sentiment_score":0.28752860001155306},{"text":"Benelongs, the active portion.","start":1276.12,"end":1277.64,"sentiment":"neutral","sentiment_score":0.08403009176254272}],"sentiment":"neutral","sentiment_score":0.1821678340435028,"num_words":140,"start":1229.9,"end":1277.64},{"sentences":[{"text":"So it's a Benelongs and Australian equities fund, and it is actively managed, and that's about the 10% mark.","start":1277.64,"end":1283.1599,"sentiment":"neutral","sentiment_score":0.12320030010060261},{"text":"So we could look to just replace that 10% with a a more passive index side of things, which would mimic sort of the rest of your portfolio.","start":1283.1599,"end":1290.5549,"sentiment":"neutral","sentiment_score":0.1783342526427337},{"text":"And you wouldn't have the active management, but you'd be paying less in overall fees.","start":1290.855,"end":1294.955,"sentiment":"neutral","sentiment_score":0.06901592239737511},{"text":"Or you could look to just have it replaced with an active alternative and keep that active management within your super for something that's comparable in the Australian market.","start":1295.255,"end":1305.2301,"sentiment":"neutral","sentiment_score":0.16306993570821038},{"text":"Yeah.","start":1316.745,"end":1317.1449,"sentiment":"neutral","sentiment_score":0.03521355241537094}],"sentiment":"neutral","sentiment_score":0.142757014128501,"num_words":92,"start":1277.64,"end":1317.1449},{"sentences":[{"text":"Look.","start":1317.1449,"end":1317.3849,"sentiment":"neutral","sentiment_score":0.03940105065703392},{"text":"In terms of, like, age and time horizon, even if you still wanna, you know, could retire at the age of 60, you're still a bit of a spring ticking.","start":1317.3849,"end":1324.345,"sentiment":"neutral","sentiment_score":0.06346615552902221},{"text":"You've got a fair way to go yet.","start":1324.345,"end":1325.625,"sentiment":"neutral","sentiment_score":0.11751071829348803},{"text":"That ten years is still quite a way away.","start":1325.625,"end":1328.02,"sentiment":"neutral","sentiment_score":-0.23499541067414814},{"text":"So you could still look to maintain an active portion, and it wouldn't be sort of an issue.","start":1328.02,"end":1332.74,"sentiment":"neutral","sentiment_score":-0.000692155005203353}],"sentiment":"neutral","sentiment_score":0.011455363283554712,"num_words":66,"start":1317.1449,"end":1332.74},{"sentences":[{"text":"As I said, it is, like, 10% of the portfolio.","start":1332.74,"end":1335.06,"sentiment":"neutral","sentiment_score":-0.046299539506435394},{"text":"So not to say it's insignificant, but not to say that it's, like, it's detrimental if it does have something like did occur, like, to do, you know, over 8% still as a return even with one of those doing quite poorly and then the other one doing a little bit bad.","start":1335.06,"end":1349.0349,"sentiment":"neutral","sentiment_score":-0.29751162281116617},{"text":"So that's two negative performers in your portfolio, but still quite good.","start":1349.0349,"end":1352.4149,"sentiment":"neutral","sentiment_score":-0.19216900722434124},{"text":"The rest of your portfolio is tracked quite well and is still, like, performing quite well.","start":1353.5149,"end":1358.1599,"sentiment":"positive","sentiment_score":0.38394807931035757},{"text":"There is an option just to review the entire portfolio, but given that apart from those assets that I spoke about there, it's actually largely doing quite well in terms of, like, the return it is.","start":1358.22,"end":1368.915,"sentiment":"neutral","sentiment_score":0.027239320825578436}],"sentiment":"neutral","sentiment_score":-0.08822097658135351,"num_words":126,"start":1332.74,"end":1368.915},{"sentences":[{"text":"Yep.","start":1372.515,"end":1373.015,"sentiment":"neutral","sentiment_score":0.053567104041576385},{"text":"Perfect.","start":1375.4751,"end":1375.9751,"sentiment":"positive","sentiment_score":0.34940993785858154},{"text":"No.","start":1376.755,"end":1377.0751,"sentiment":"neutral","sentiment_score":-0.024307284504175183},{"text":"No.","start":1377.0751,"end":1377.3151,"sentiment":"neutral","sentiment_score":-0.10131961107254028},{"text":"That's perfectly fine.","start":1377.3151,"end":1378.615,"sentiment":"neutral","sentiment_score":-0.010873991996049881}],"sentiment":"neutral","sentiment_score":0.034961167190756114,"num_words":7,"start":1372.515,"end":1378.615},{"sentences":[{"text":"Obviously, we could potentially leave it and sort of try and ride it out.","start":1379.3151,"end":1383.17,"sentiment":"neutral","sentiment_score":-0.12285045108624867},{"text":"But given what that just did occur, given that it was sort of you know, if the fund manager was probably paying a bit more attention, he might likely not have occurred.","start":1383.17,"end":1390.9501,"sentiment":"neutral","sentiment_score":-0.22808033367618918},{"text":"It's not to say that it's like the Australian market's doing bad at the moment.","start":1391.49,"end":1395.01,"sentiment":"neutral","sentiment_score":-0.22369615137577056},{"text":"It's just that fund that really isn't doing too well.","start":1395.01,"end":1398.205,"sentiment":"neutral","sentiment_score":-0.23350079506635665},{"text":"So it's a it's a little bit of a sell low, buy high kind of scenario, but in saying that, you know, if a horse is dead, you you gotta stop blogging it at some point.","start":1399.625,"end":1407.385,"sentiment":"neutral","sentiment_score":-0.12964403070509434}],"sentiment":"neutral","sentiment_score":-0.18108516186475754,"num_words":107,"start":1379.3151,"end":1407.385},{"sentences":[{"text":"So perfect.","start":1407.385,"end":1411.82,"sentiment":"neutral","sentiment_score":0.06826186925172806},{"text":"So that's everything in regards to those updates there.","start":1412.2,"end":1415.5,"sentiment":"neutral","sentiment_score":0.04485369680656327},{"text":"I will just run through a quick risk profile with you, Dendane, and just make sure that it does line up.","start":1415.7999,"end":1420.0399,"sentiment":"neutral","sentiment_score":0.06150180163482825},{"text":"As you said, you you know, you are getting a little bit older, so your risk tolerance may change a little bit.","start":1420.0399,"end":1424.685,"sentiment":"neutral","sentiment_score":-0.04072082135826349},{"text":"So we can just run through those few questions, make sure you're happy with everything, and then the the allocation that you currently hold within that.","start":1424.745,"end":1432.685,"sentiment":"positive","sentiment_score":0.3397083950157349}],"sentiment":"neutral","sentiment_score":0.12210381305776537,"num_words":80,"start":1407.385,"end":1432.685},{"sentences":[{"text":"Because, obviously, you know, like you said, you do get closer to time, you generally wanna look at sort of reducing risk, but you do have that time horizon on your side to to maintain that high growth at least even for the next sort of seven to eight years and look at winding it down closer to retirement there.","start":1433.145,"end":1449.285,"sentiment":"neutral","sentiment_score":0.14551283934464057},{"text":"But have you had, like, investment or direct shares previously for yourself?","start":1450.3251,"end":1455.8451,"sentiment":"neutral","sentiment_score":0.006570239473755161},{"text":"Or yeah.","start":1455.8451,"end":1460.405,"sentiment":"neutral","sentiment_score":0.021415140479803085},{"text":"Just the the managed phone within?","start":1460.405,"end":1462.005,"sentiment":"neutral","sentiment_score":0.05446983811755975},{"text":"No.","start":1462.005,"end":1462.165,"sentiment":"neutral","sentiment_score":-0.020854879170656204}],"sentiment":"neutral","sentiment_score":0.1130667612945408,"num_words":81,"start":1433.145,"end":1462.165},{"sentences":[{"text":"That's perfectly fine.","start":1462.165,"end":1463.25,"sentiment":"neutral","sentiment_score":0.137544776002566},{"text":"And then in terms of, like, taking on risk, do you consider yourself a little bit of a risk taker?","start":1463.49,"end":1467.67,"sentiment":"neutral","sentiment_score":0.024159102141857146},{"text":"Like, would you say that you wanna take on, like, a little bit of risk to try and outpace inflation in the markets and get a little bit of a high return while you're still working?","start":1467.73,"end":1475.19,"sentiment":"neutral","sentiment_score":0.02664193213503394},{"text":"Yep.","start":1477.41,"end":1477.73,"sentiment":"neutral","sentiment_score":0.02734994888305664},{"text":"And would you say that's, like, sort of the the moderate to high, not, like, crazy high?","start":1477.73,"end":1482.395,"sentiment":"neutral","sentiment_score":-0.009062924477107385}],"sentiment":"neutral","sentiment_score":0.022444235850367453,"num_words":77,"start":1462.165,"end":1482.395},{"sentences":[{"text":"Yeah.","start":1484.615,"end":1485.115,"sentiment":"neutral","sentiment_score":-0.009593132883310318},{"text":"And then if your portfolio was to have, like, a 20% decrease in value just from, like, an investing side of things, Do you reckon that would make you wanna sell out, or do you reckon you'd potentially just hold and wait, given, you know, how much yeah.","start":1485.415,"end":1500.32,"sentiment":"neutral","sentiment_score":-0.15771275324126086},{"text":"Brilliant.","start":1500.32,"end":1500.82,"sentiment":"positive","sentiment_score":0.620482325553894},{"text":"And if in regards to returns, if you're getting, like, six to 8% in terms of, like, an after fee return, would you be quite happy with that year on year?","start":1501.5199,"end":1508.425,"sentiment":"neutral","sentiment_score":0.3090211701008581},{"text":"Yeah.","start":1508.885,"end":1509.385,"sentiment":"neutral","sentiment_score":0.09083664417266846}],"sentiment":"neutral","sentiment_score":0.03306304822426017,"num_words":82,"start":1484.615,"end":1509.385},{"sentences":[{"text":"Right.","start":1510.165,"end":1510.485,"sentiment":"neutral","sentiment_score":0.07430361956357956},{"text":"And with, like, in regards to COVID where, you know, there was a bit of a a dip in the market and everything went backwards there, were you looking at your super?","start":1510.485,"end":1518.165,"sentiment":"neutral","sentiment_score":-0.04135449737077579},{"text":"Did that make you a little bit cautious at all?","start":1518.165,"end":1520.165,"sentiment":"neutral","sentiment_score":-0.12334084212779999},{"text":"Or yeah.","start":1520.165,"end":1524.0399,"sentiment":"neutral","sentiment_score":-0.0004643090069293976},{"text":"No worries.","start":1524.4199,"end":1525.24,"sentiment":"neutral","sentiment_score":0.04305589897558093}],"sentiment":"neutral","sentiment_score":-0.051005649737062606,"num_words":47,"start":1510.165,"end":1525.24},{"sentences":[{"text":"And with borrowed money, I know you own your own property there, but, like, if circumstances are different, would you ever risk borrowed money into things like properties, shares, anything riskier than, like, current home loan?","start":1525.86,"end":1535.475,"sentiment":"neutral","sentiment_score":-0.07828380276138584},{"text":"Or yeah.","start":1535.475,"end":1540.595,"sentiment":"neutral","sentiment_score":-0.06135714612901211},{"text":"No.","start":1540.595,"end":1540.915,"sentiment":"neutral","sentiment_score":-0.1144244745373726},{"text":"Completely understandable.","start":1540.915,"end":1541.895,"sentiment":"neutral","sentiment_score":-0.0011125169694423676},{"text":"So that does bring out as a growth investment, which is a little bit below the high growth side of things, which is around that 8010 split, which is high growth is at 9010 sort of split from growth to defensive assets.","start":1543.235,"end":1555.29,"sentiment":"neutral","sentiment_score":-0.004391972773841449}],"sentiment":"neutral","sentiment_score":-0.03906076574271702,"num_words":83,"start":1525.86,"end":1555.29},{"sentences":[{"text":"Like I said, you still got time on your side to be able to have that little bit more of an allocation.","start":1555.75,"end":1559.6699,"sentiment":"neutral","sentiment_score":0.06160000508481806},{"text":"And it's not to say that even if you were to decrease down to a growth that your investments would change overly, it just means your allocation to those growth defensive assets would increase a little bit.","start":1559.6699,"end":1569.425,"sentiment":"neutral","sentiment_score":-0.035079460792444846},{"text":"So it's not like you're jumping from, you know, having something like stock standard shares to, like, a cryptocurrency, which you can't even hold in superannuation.","start":1569.725,"end":1577.2001,"sentiment":"neutral","sentiment_score":-0.020766571710387673},{"text":"Your your level of investment remains largely at least at Oakview.","start":1577.8201,"end":1581.04,"sentiment":"neutral","sentiment_score":0.11819460920312187},{"text":"Sort of similar.","start":1582.22,"end":1583.1,"sentiment":"neutral","sentiment_score":0.03552412614226341}],"sentiment":"neutral","sentiment_score":0.00933376038117767,"num_words":99,"start":1555.75,"end":1583.1},{"sentences":[{"text":"There are some changes as you do get more aggressive in your investment, but the core of the portfolios largely stay the same even with those, like, risk adjustments in those sort of 10% ranges.","start":1583.1,"end":1594.365,"sentiment":"neutral","sentiment_score":0.033183130069768856},{"text":"But are you happy with the high growth still given, you know, the explanation and everything there, Right.","start":1596.025,"end":1602.5901,"sentiment":"neutral","sentiment_score":0.29184820916917587},{"text":"Now in regards to your superannuation and those investment returns, did you have any other questions with that, Jane, or did you want to talk about that a little bit more?","start":1604.41,"end":1612.8301,"sentiment":"neutral","sentiment_score":0.011533654475164029},{"text":"Largely still happy with how it's all tracking even with the?","start":1612.9701,"end":1616.115,"sentiment":"positive","sentiment_score":0.422628791494803},{"text":"Yeah.","start":1616.515,"end":1616.835,"sentiment":"neutral","sentiment_score":0.16520878672599792}],"sentiment":"neutral","sentiment_score":0.12069110520193742,"num_words":96,"start":1583.1,"end":1616.835},{"sentences":[{"text":"Okay.","start":1616.835,"end":1617.155,"sentiment":"positive","sentiment_score":0.334555447101593},{"text":"Perfect.","start":1617.155,"end":1617.655,"sentiment":"positive","sentiment_score":0.5756911635398865},{"text":"So from here, basically, what we'll do is I'll make a a note there as well.","start":1619.475,"end":1625.095,"sentiment":"neutral","sentiment_score":0.14095240598544478},{"text":"We'll get that research done.","start":1625.155,"end":1626.515,"sentiment":"neutral","sentiment_score":0.12932850755751132},{"text":"Obviously, if you've got a bit of time, we can run through that pre assessment now, or I can get you booked in with one of my colleagues to run through that.","start":1626.515,"end":1632.75,"sentiment":"neutral","sentiment_score":0.1762017651926726}],"sentiment":"neutral","sentiment_score":0.1718288023702123,"num_words":55,"start":1616.835,"end":1632.75},{"sentences":[{"text":"Yeah.","start":1634.9701,"end":1635.37,"sentiment":"neutral","sentiment_score":0.2837218642234802},{"text":"Not a problem at all.","start":1635.37,"end":1636.5901,"sentiment":"positive","sentiment_score":0.3525677382946014},{"text":"And then they'll run through a little bit more about your occupation, a little bit about the health side of things.","start":1636.81,"end":1641.2301,"sentiment":"neutral","sentiment_score":0.12000045286757606},{"text":"We'll put that off to the insurers, see what they come back with.","start":1641.4501,"end":1644.095,"sentiment":"neutral","sentiment_score":-0.0007571879631051652},{"text":"As a worst case scenario there, Jane, you're not in a bad position by any means even though you're maybe a tad bit underinsured.","start":1644.715,"end":1650.975,"sentiment":"neutral","sentiment_score":-0.13583603501319885}],"sentiment":"neutral","sentiment_score":0.020260340344975702,"num_words":64,"start":1634.9701,"end":1650.975},{"sentences":[{"text":"We can look at reducing that IP, which will save you a little bit of money.","start":1651.755,"end":1654.715,"sentiment":"neutral","sentiment_score":0.271617004647851},{"text":"I know you're currently contributing to Hub twenty four, and you've got about the 24,000 in your old account.","start":1654.715,"end":1659.96,"sentiment":"neutral","sentiment_score":0.07234186228168638},{"text":"The insurances are opted into, so we could potentially look at moving some of those funds over to Hub twenty four to consolidate the balance a little bit as well.","start":1660.66,"end":1668.34,"sentiment":"neutral","sentiment_score":0.16062099660436313},{"text":"We just have to be mindful that we do have to keep a bit of an eye on that given the fact that you're not contributing to that fund, or we could look at moving the contributions back and just reviewing it a little bit more regularly, if that makes sense.","start":1668.34,"end":1678.515,"sentiment":"neutral","sentiment_score":-0.06972965517756986},{"text":"Yeah.","start":1683.535,"end":1683.935,"sentiment":"neutral","sentiment_score":-0.014655696228146551}],"sentiment":"neutral","sentiment_score":0.05955666021849865,"num_words":117,"start":1651.755,"end":1683.935},{"sentences":[{"text":"So, generally, like, a a fund retention, pardon me, is 6,000, generally.","start":1683.935,"end":1690.0801,"sentiment":"neutral","sentiment_score":-0.0013754021686812241},{"text":"In terms of that, I believe with your fund, it's 8 as a minimum balance.","start":1690.3,"end":1693.6001,"sentiment":"neutral","sentiment_score":0.05101811016599337},{"text":"And normally, we leave about 10 to 15 anyway in terms of, like, paying for those fees.","start":1694.78,"end":1699.5801,"sentiment":"neutral","sentiment_score":0.0222918623510529},{"text":"And each year, we have you under review and you sort of review where things are at.","start":1699.5801,"end":1703.0851,"sentiment":"neutral","sentiment_score":0.037294228506438876},{"text":"Obviously, if you're not contributing, it's a little bit more risky.","start":1703.465,"end":1705.9451,"sentiment":"negative","sentiment_score":-0.4083062166517431}],"sentiment":"neutral","sentiment_score":-0.03791163905730678,"num_words":72,"start":1683.935,"end":1705.9451},{"sentences":[{"text":"Even with the insurances opted in, you do have to keep a little bit more of an eye on it.","start":1705.9451,"end":1709.5651,"sentiment":"neutral","sentiment_score":-0.18954808488488198},{"text":"But because you completed that form, it just means that it's a little bit safer in regards to that as well.","start":1709.625,"end":1715.725,"sentiment":"neutral","sentiment_score":0.28542187100365046},{"text":"But if you're happy sort of leaving those funds there as well, we don't have to to touch anything, but that's always an option to have the funds a little bit more consolidated to your your better performing sort of fund as well.","start":1717.74,"end":1727.6,"sentiment":"neutral","sentiment_score":0.3001318322711213},{"text":"Brilliant.","start":1729.045,"end":1729.4451,"sentiment":"positive","sentiment_score":0.5711424350738525},{"text":"But is there anything else that you wanna have a chat about before I look to to book you in for your pre assessment there at all, Jane?","start":1729.4451,"end":1735.145,"sentiment":"neutral","sentiment_score":0.1102510697341391}],"sentiment":"neutral","sentiment_score":0.166077334235991,"num_words":113,"start":1705.9451,"end":1735.145},{"sentences":[{"text":"Not a problem at all.","start":1738.485,"end":1740.025,"sentiment":"neutral","sentiment_score":0.2957506120204926},{"text":"Brilliant.","start":1741.06,"end":1741.56,"sentiment":"positive","sentiment_score":0.5482414364814758},{"text":"And what sort of day would work best for you in terms of completing that pre assessment with one of my colleagues there, Jane?","start":1741.86,"end":1747.88,"sentiment":"neutral","sentiment_score":0.15923595366378626},{"text":"Yep.","start":1754.5801,"end":1755.045,"sentiment":"neutral","sentiment_score":0.04772456735372543},{"text":"So even, potentially, this Thursday at 5PM would work well for you?","start":1756.245,"end":1761.9451,"sentiment":"neutral","sentiment_score":0.0859283519287904}],"sentiment":"neutral","sentiment_score":0.16110516686079113,"num_words":43,"start":1738.485,"end":1761.9451},{"sentences":[{"text":"Perfect.","start":1764.645,"end":1765.045,"sentiment":"positive","sentiment_score":0.44383686780929565},{"text":"I'll get that booked in there.","start":1765.045,"end":1767.145,"sentiment":"positive","sentiment_score":0.3374915470679601},{"text":"And just refresh my memory there.","start":1768.6499,"end":1770.97,"sentiment":"neutral","sentiment_score":0.02985028177499771},{"text":"Sorry, Jane.","start":1770.97,"end":1771.45,"sentiment":"neutral","sentiment_score":-0.025671004317700863},{"text":"Your partner, she's not a client of ours?","start":1771.45,"end":1774.0299,"sentiment":"neutral","sentiment_score":-0.03418809920549393}],"sentiment":"neutral","sentiment_score":0.10100178428642127,"num_words":23,"start":1764.645,"end":1774.0299},{"sentences":[{"text":"Not not a problem at all.","start":1778.49,"end":1779.45,"sentiment":"neutral","sentiment_score":0.08661346944669883},{"text":"I was just double checking because at the moment, they did have, like, a coupling fee going.","start":1779.45,"end":1784.0651,"sentiment":"neutral","sentiment_score":0.037169513128259606},{"text":"So I just wanna make sure that that was applied if she was a a client or or looking to receive advice.","start":1784.0651,"end":1789.265,"sentiment":"neutral","sentiment_score":0.03564485738223249},{"text":"But if she's happy with her AMP, that's not a problem at all.","start":1789.265,"end":1791.765,"sentiment":"neutral","sentiment_score":0.07490094607839218},{"text":"Brilliant.","start":1792.9451,"end":1793.4451,"sentiment":"positive","sentiment_score":0.39750003814697266}],"sentiment":"neutral","sentiment_score":0.056050198973488,"num_words":59,"start":1778.49,"end":1793.4451},{"sentences":[{"text":"If you've got no more questions for me there, Jane, you should receive the annual review pack shortly in terms of, like, your ongoing service agreement.","start":1793.665,"end":1801.7,"sentiment":"neutral","sentiment_score":0.13287522357243758},{"text":"Obviously, you can opt out of that at any time.","start":1801.9199,"end":1803.6,"sentiment":"neutral","sentiment_score":0.0023686423897743224},{"text":"So if it turns around in, you know, like, a few weeks there once you do get the advice update piece and the information regarding assurances that you're not too happy with this and wanna go your separate ways, you can always opt out.","start":1803.6,"end":1813.7549,"sentiment":"neutral","sentiment_score":-0.026718005918982355},{"text":"You'll receive your other documents here in regards to your COC and your performance report as well for you to have a a look at.","start":1813.7549,"end":1819.355,"sentiment":"neutral","sentiment_score":0.22296161592006683},{"text":"If you do have any other questions regarding that as well, I can even see if someone's available this afternoon to send that out to you.","start":1819.355,"end":1825.455,"sentiment":"neutral","sentiment_score":0.1216807786661845}],"sentiment":"neutral","sentiment_score":0.0842793177073921,"num_words":131,"start":1793.665,"end":1825.455},{"sentences":[{"text":"Yeah.","start":1827.5149,"end":1827.96,"sentiment":"neutral","sentiment_score":0.05335406959056854},{"text":"Feel free to to reach out.","start":1828.12,"end":1829.48,"sentiment":"neutral","sentiment_score":0.10451480870445569},{"text":"Otherwise, we'll get that on the the road, and then they'll send you that lawyer information booklet shortly as well.","start":1829.48,"end":1835.1799,"sentiment":"neutral","sentiment_score":0.10129752643406391},{"text":"No problem.","start":1837.0,"end":1837.6599,"sentiment":"positive","sentiment_score":0.42340581119060516},{"text":"Other than that there, Jane, you enjoy the rest of your afternoon, and I'll be speaking with you at Thursday there at 5PM.","start":1838.6,"end":1844.795,"sentiment":"positive","sentiment_score":0.4700344373350558}],"sentiment":"neutral","sentiment_score":0.276230714068963,"num_words":52,"start":1827.5149,"end":1844.795},{"sentences":[{"text":"Not a problem at all, Jane.","start":1847.175,"end":1848.215,"sentiment":"positive","sentiment_score":0.47969745099544525},{"text":"Thanks for your time.","start":1848.215,"end":1848.775,"sentiment":"positive","sentiment_score":0.7682788968086243},{"text":"Hope I answered all your your questions this afternoon.","start":1848.775,"end":1850.875,"sentiment":"neutral","sentiment_score":0.3325248128838009},{"text":"No problem at all.","start":1853.255,"end":1854.0549,"sentiment":"positive","sentiment_score":0.5077598765492439},{"text":"Thanks now.","start":1854.0549,"end":1854.775,"sentiment":"positive","sentiment_score":0.6481144428253174}],"sentiment":"positive","sentiment_score":0.4908516800403595,"num_words":25,"start":1847.175,"end":1854.775},{"sentences":[{"text":"Bye.","start":1854.775,"end":1855.275,"sentiment":"positive","sentiment_score":0.383276879787445}],"sentiment":"positive","sentiment_score":0.383276879787445,"num_words":1,"start":1854.775,"end":1855.275}]}}]},{"alternatives":[{"transcript":"Hello. Dan speaking. I'm good. Thank you. Yes, please. Yep. Yep. It's Jane Michelle Keesley. Date of birth, thirty seven nine seventy five, and I'm at 16 Taylor Street in Bairnsdale, Victoria. Yep. Yes. Yep. Yes, please. Well, it's mainly in the last chap, I I think it was Jacob I spoke to before about the insurances and stuff, but it didn't seem like it was enough because it was only 70 for death and total incapacitation with Brighter, but there was nothing with you guys. So yeah. Yep. Yeah. Well, it ended up being nothing. It was just a shadow. So yeah. Yep. Yep. Yep. Mhmm. No. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yes. It is. Yeah. Yep. Yep. Wash. Yep. Yep. Yep. No. I'm a forklift operator at Bunnings. Mhmm. Yep. Mhmm. Yep. Yeah. Cool. No. I'm not in an office. I'm unloading trucks out the back on the goods inward. So it's probably five out of eight hours. So I just drive to the side of the semi and pull the pallets off the semi. Yeah. Yep. Yep. They pull the curtain back and I just unload it. Yeah. Just pulling pellets apart and putting in on roll cages. That's it. No. Yeah. So I'm coming up to my one year anniversary on actually, it's past. It's the July. Oh, no. 07/08 seven eighth of next month. That's right. March. Yeah. So it's coming. Yep. Fourteen what? Oh, I've been a forklift operator for over twenty five years. Yeah. Yep. Long time. Yeah. Yep. Yes. I am. Yeah. Yep. No idea. Yep. No. Not nowhere near. Probably looking at maybe 70. It's basically the same. So yeah. No. No. I'm not too sure, actually. Yes. There is. Yep. Yep. No. I don't know. But there is an EBA. Oh, yeah. No. It's just Bunnings. We are under West Farmers, but, yeah, it's just the Bunnings EBA. You can get it on Google. Yeah. It's just Bunnings. Victoria now. I'm not in Queensland. Yep. Yep. Yeah. I know. Mhmm. Yeah. No. Same. Yep. Yep. Yep. Not that I can think of. No. Yeah. I've got about $10 in that. No. Still just the thyroid. That's a lifelong thing. No. Everything's cool. Only extras. No. I know we need to. But yeah. Yeah. Yep. Yep. Mhmm. Yep. Yep. Yep. Okay. Yep. You might as well send it through. Yep. No. Yeah. No. No. Yes and no. But we won't be going back to New Zealand anytime soon because they passed away. So yeah. Yeah. Yep. Yep. Well, I'm still hoping to retire around 60, but, yeah, I don't know whether that's gonna be possible, but I'm trying. Yep. Mhmm. Yep. Yep. Yeah. Yeah. Yep. So an extra, I don't know, $40 or whatever would be good. No. Yep. Yep. Yeah. Well, I've got income protection with Bryta, but I'm not sure how long that goes for, whether it's just twelve months or I think it's the standard twelve months. Yeah. Yep. Yep. Yep. Mhmm. No. This is it. Yep. Mhmm. Yep. Okay. Yep. Yep. Yep. Mhmm. Yep. Yep. Yeah. Yep. Okay. Yep. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Okay. So how much extra for the active? Okay. Mhmm. Okay. Alright. So what am I in now? Okay. Yep. Okay. Yep. Alright. Shit. Well, I suppose now I'm getting older. To go passive, it'd probably be a better idea. Yep. Yep. Yep. Yeah. Yeah. Yeah. No. Leave it the way it is and find a different active one. Yep. Please. Yep. Yep. Yeah. Yep. Yep. Yep. No. All good. Yep. Yep. Yep. Yep. No. It's just been this super stuff. Yeah. Yeah. Moderate. Yeah. I'll hold and wait because shit happens. Yep. Yep. Yep. No. Because it always bounces back. I wouldn't see the need to, really. Yeah. Yeah. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Okay. Yep. No. No. That's all good. Yes. Yep. Yep. Yeah. If you can book me in, that'd be great. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Yeah. Yeah. Because there still has to be that pocket there for the fees of all the insurances. Mhmm. Okay. Yes. Yep. Okay. Yep. Mhmm. Yep. Yep. I'm trying to think so. I don't think that's about it. Any day after well, actually, any day but Monday after five. Yep. Or at five. Yep. Yep. Mhmm. No. She's with a and p. She's been there for ages. So yep. Mhmm. No. Yep. Okay. No. That's it. Okay. Too easy. Thanks for that call. Okay then. Yes. You did. Thank you very much. Alright. 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Dan speaking. I'm good. Thank you. Yes, please.\n\nYep. Yep. It's Jane Michelle Keesley. Date of birth, thirty seven nine seventy five, and I'm at 16 Taylor Street in Bairnsdale, Victoria. Yep.\n\nYes. Yep. Yes, please. Well, it's mainly in the last chap, I I think it was Jacob I spoke to before about the insurances and stuff, but it didn't seem like it was enough because it was only 70 for death and total incapacitation with Brighter, but there was nothing with you guys. So yeah.\n\nYep. Yeah. Well, it ended up being nothing. It was just a shadow. So yeah.\n\nYep. Yep. Yep. Mhmm. No.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Okay. Yes. It is.\n\nYeah. Yep. Yep. Wash. Yep.\n\nYep. Yep. No. I'm a forklift operator at Bunnings. Mhmm.\n\nYep. Mhmm. Yep. Yeah. Cool.\n\nNo. I'm not in an office. I'm unloading trucks out the back on the goods inward. So it's probably five out of eight hours. So I just drive to the side of the semi and pull the pallets off the semi.\n\nYeah. Yep. Yep. They pull the curtain back and I just unload it. Yeah.\n\nJust pulling pellets apart and putting in on roll cages. That's it. No. Yeah. So I'm coming up to my one year anniversary on actually, it's past.\n\nIt's the July. Oh, no. 07/08 seven eighth of next month. That's right. March.\n\nYeah. So it's coming. Yep. Fourteen what? Oh, I've been a forklift operator for over twenty five years.\n\nYeah. Yep. Long time. Yeah. Yep.\n\nYes. I am. Yeah. Yep. No idea.\n\nYep. No. Not nowhere near. Probably looking at maybe 70. It's basically the same.\n\nSo yeah. No. No. I'm not too sure, actually. Yes.\n\nThere is. Yep. Yep. No. I don't know.\n\nBut there is an EBA. Oh, yeah. No. It's just Bunnings. We are under West Farmers, but, yeah, it's just the Bunnings EBA.\n\nYou can get it on Google. Yeah. It's just Bunnings. Victoria now. I'm not in Queensland.\n\nYep. Yep. Yeah. I know. Mhmm.\n\nYeah. No. Same. Yep. Yep.\n\nYep. Not that I can think of. No. Yeah. I've got about $10 in that.\n\nNo. Still just the thyroid. That's a lifelong thing. No. Everything's cool.\n\nOnly extras. No. I know we need to. But yeah. Yeah.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Okay. Yep. You might as well send it through. Yep.\n\nNo. Yeah. No. No. Yes and no.\n\nBut we won't be going back to New Zealand anytime soon because they passed away. So yeah. Yeah. Yep. Yep.\n\nWell, I'm still hoping to retire around 60, but, yeah, I don't know whether that's gonna be possible, but I'm trying. Yep. Mhmm. Yep. Yep.\n\nYeah. Yeah. Yep. So an extra, I don't know, $40 or whatever would be good. No.\n\nYep. Yep. Yeah. Well, I've got income protection with Bryta, but I'm not sure how long that goes for, whether it's just twelve months or I think it's the standard twelve months. Yeah.\n\nYep. Yep. Yep. Mhmm. No.\n\nThis is it. Yep. Mhmm. Yep. Okay.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYep. Yeah. Yep. Okay. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nMhmm. Yep. Okay. So how much extra for the active? Okay.\n\nMhmm. Okay. Alright. So what am I in now? Okay.\n\nYep. Okay. Yep. Alright. Shit.\n\nWell, I suppose now I'm getting older. To go passive, it'd probably be a better idea. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. No. Leave it the way it is and find a different active one.\n\nYep. Please. Yep. Yep. Yeah.\n\nYep. Yep. Yep. No. All good.\n\nYep. Yep. Yep. Yep. No.\n\nIt's just been this super stuff. Yeah. Yeah. Moderate. Yeah.\n\nI'll hold and wait because shit happens. Yep. Yep. Yep. No.\n\nBecause it always bounces back. I wouldn't see the need to, really. Yeah. Yeah. Mhmm.\n\nYep. Yep. Mhmm. Yep. Mhmm.\n\nYep. Okay. Yep. No. No.\n\nThat's all good. Yes. Yep. Yep. Yeah.\n\nIf you can book me in, that'd be great. Yep. Mhmm. Yep. Yep.\n\nYep. Mhmm. Yep. Yeah. Yeah.\n\nBecause there still has to be that pocket there for the fees of all the insurances. Mhmm. Okay. Yes. Yep.\n\nOkay. Yep. Mhmm. Yep. Yep.\n\nI'm trying to think so. I don't think that's about it. Any day after well, actually, any day but Monday after five. Yep. Or at five.\n\nYep. Yep. Mhmm. No. She's with a and p.\n\nShe's been there for ages. So yep. Mhmm. No. Yep.\n\nOkay. No. That's it. Okay. Too easy.\n\nThanks for that call. Okay then. Yes. You did. Thank you very much.\n\nAlright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.12,"sentiment":"neutral","sentiment_score":0.026361245661973953},{"text":"Dan speaking.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.02863229438662529},{"text":"I'm good.","start":6.16,"end":6.64,"sentiment":"positive","sentiment_score":0.5155423581600189},{"text":"Thank you.","start":6.64,"end":7.3799996,"sentiment":"positive","sentiment_score":0.644060879945755},{"text":"Yes, please.","start":12.08,"end":12.795,"sentiment":"neutral","sentiment_score":0.09912864118814468}],"sentiment":"neutral","sentiment_score":0.2890099547803402,"num_words":9,"start":0.88,"end":12.795},{"sentences":[{"text":"Yep.","start":13.515,"end":14.015,"sentiment":"neutral","sentiment_score":0.24797499179840088},{"text":"Yep.","start":19.675,"end":20.154999,"sentiment":"neutral","sentiment_score":0.06683705747127533},{"text":"It's Jane Michelle 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Dan speaking.\n\nChannel 0: Good afternoon, Jane. It's Carl calling from OPU Financial. How are you today?\n\nChannel 1: I'm good. Thank you.\n\nChannel 0: Good to hear. I just scheduled in for a bit of a follow-up conversation. If\n\nChannel 1: Yes,\n\nChannel 0: now is still\n\nChannel 1: please.\n\nChannel 0: a good time for you? Yeah. Brilliant.\n\nChannel 1: Yep.\n\nChannel 0: If I could just pass you through security, just that name, date of birth, and current address, we can get stuck into that one today.\n\nChannel 1: Yep. It's Jane Michelle Keesley. Date of birth, thirty seven nine seventy five, and I'm at 16 Taylor Street in Bairnsdale, Victoria.\n\nChannel 0: Brilliant. Thank you for that one. I'll just let you know these calls are recorded for training quality purposes there.\n\nChannel 1: Yep.\n\nChannel 0: Now I know previously, I believe you had a conversation with my colleague, Severiano, Sebi, in regards to your annual review, but I believe it was quite brief, and that was meant to be a follow-up conversation that didn't occur. So\n\nChannel 1: Yes.\n\nChannel 0: I'm happy to run through, like, the call just as, like, and do your, like, any review sort of from scratch if you're you're\n\nChannel 1: Yep.\n\nChannel 0: happy with that. Yeah.\n\nChannel 1: Yes, please.\n\nChannel 0: Not a not a problem at all. So within regards to that one, Jane, did you have any questions specifically that you want answered before we jump into everything? Or\n\nChannel 1: Well, it's mainly in the last chap, I I think it was Jacob I spoke to before about\n\nChannel 0: yep.\n\nChannel 1: the insurances and stuff, but it didn't seem like it was enough because it was only 70 for death and total incapacitation with Brighter, but there was nothing with you guys. So yeah.\n\nChannel 0: Yeah. No. Completely understandable. So I believe when you originally first came on board that you had an undiagnosed mass on your left lung that you were seeking doctors\n\nChannel 1: Yep.\n\nChannel 0: reports from and follow ups for that, and you're on a waiting list to get it potentially fixed. Now have you finalized all of that? Like, has that been\n\nChannel 1: Yeah.\n\nChannel 0: removed?\n\nChannel 1: Well, it ended up being nothing. It was just a shadow. So yeah.\n\nChannel 0: Yep. Perfect. So with that one, obviously, at the time when you came on board due to that, when you undergo, like, any sort of, like, medical appointments, even if it's just a general checkup, they won't actually touch, like, retail cover until the point where you've, like, had your checkups and got cleared or diagnosed with any sort of thing.\n\nChannel 1: Yep.\n\nChannel 0: So given that it was just a shadow, we can definitely have a look and see what a retail policy may cost and may look like now\n\nChannel 1: Yep.\n\nChannel 0: given that you don't have, like, that ongoing issue from, like, obviously, just being a shadow.\n\nChannel 1: Yep.\n\nChannel 0: Now within regards to that one, obviously, insurances do get more expensive, though. You do get older as well, and you don't have a huge amount of debt currently given\n\nChannel 1: Mhmm.\n\nChannel 0: that you've only got a little bit left on the house.\n\nChannel 1: No.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: we can definitely just have a look at sort of a base amount, what that sort of looks like in regards to that. And then like you said, you do have the brighter super cover as well. Now, obviously, with that one, like you said, it's not to your needs currently. You're probably a little bit under insured in terms of you did wanna cover, like, for the full debt.\n\nChannel 1: Yep.\n\nChannel 0: But in saying that as well, if you like, your partner obviously does earn an income and things like that as well, you do have your superannuation balance that offsets that. If anything did sort of occur, like, you were totally permanently disabled, you can make a claim\n\nChannel 1: Yep.\n\nChannel 0: against your super as well, which could be used for those debts. As far as, like, living past that, you would potentially have to rely on things like government assistance programs and things like that.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But it also depends on just how much you wanna sort of spend in terms of, like, paying for that risk mitigation, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now with that one there, Jane, so to look at retail cover, we generally have to go through what we call a pre assessment process where we run through some bit questions about your occupation, just general lifestyle, some medical history for yourself, and then also some family history, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Now I can do that at the end of this phone call. I can get you booked in with a colleague after we run through everything else depending on how much time you've got left.\n\nChannel 1: Okay.\n\nChannel 0: In in saying that, I'll run over everything else as well. So I'll confirm all your details and make sure everything is up to date there. She said the email is up to date and the, sorry, the address. But the email is at wikileaks64@gmail.com?\n\nChannel 1: Yes. It is.\n\nChannel 0: Perfect. Brilliant. And still currently married? I know I mentioned it before, but still currently married?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. And then in regards to next to kin, I've got Beverly Cooper down. Is that still accurate and up to date?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And the relation to Beverly, is that your partner or mother or\n\nChannel 1: Wash. Yep.\n\nChannel 0: wife? Yep. Not a problem at all. And\n\nChannel 1: Yep.\n\nChannel 0: then in regards to dependents, I have you have one dependent. Is that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And as far as your your your patient there, Jane, now are you still, like, an electrical store person?\n\nChannel 1: No. I'm a forklift operator at Bunnings.\n\nChannel 0: I think I'll just update there. Now in regards to that as well, I do know that forklift driving is considered, like, hazardous just due\n\nChannel 1: Mhmm.\n\nChannel 0: to the nature of, like, going around on a forklift and the the job that it does entail.\n\nChannel 1: Yep.\n\nChannel 0: Now that's not to say that cover wouldn't be available. It just mean that it might be more expensive. So it's definitely\n\nChannel 1: Mhmm.\n\nChannel 0: something that we'll still double check. Once this sort of pre assessments come back, we send them off to the insurers blindly. It doesn't have your full details. They don't know it's actually specifically you,\n\nChannel 1: Yep.\n\nChannel 0: and they just give us an idea of what cover they're willing to offer and at what prices. And I can even give you a callback once that comes back and have a general conversation around that as well.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Perfect. And then as far as your role and what you're you're doing at the moment there, Jane, are you, like, on the forklift, like, the whole whole day? Does it make up majority of your role, or are you in the office at all?\n\nChannel 1: No. I'm not in an office. I'm unloading trucks out the back on the goods inward. So it's probably five out of eight hours.\n\nChannel 0: Yep. And then with that, are you entering the trucks, or does it get put to the back of the trucks and then your\n\nChannel 1: So I just drive to the side of the semi and pull the pallets off the semi.\n\nChannel 0: like, side loaded ones where\n\nChannel 1: Yeah.\n\nChannel 0: they just pull the yeah. Okay.\n\nChannel 1: Yep. Yep. They pull the curtain back and I just unload it. Yeah.\n\nChannel 0: And as far as any other jobs or roles that you're doing at the moment, was that sort of your main role? Do you do any other sort of things there at the moment?\n\nChannel 1: Just pulling pellets apart and putting in on roll cages. That's it.\n\nChannel 0: Perfect. And then as far as any other tickets, I know you've got your forklift license, obviously, but anything else that you've gotten in the since we last sort of spoke\n\nChannel 1: No.\n\nChannel 0: regarding that? Yep. No. That's fine. And then in regards to the job at Bunnings, how long have you been doing that work specifically?\n\nIs it just been the past\n\nChannel 1: Yeah. So I'm coming up to my one year anniversary on actually, it's past. It's the July.\n\nChannel 0: year? Well, congratulations\n\nChannel 1: Oh, no.\n\nChannel 0: on\n\nChannel 1: 07/08\n\nChannel 0: the the January.\n\nChannel 1: seven eighth of next month. That's\n\nChannel 0: Oh,\n\nChannel 1: right.\n\nChannel 0: seventeenth.\n\nChannel 1: March.\n\nChannel 0: So\n\nChannel 1: Yeah. So\n\nChannel 0: so\n\nChannel 1: it's\n\nChannel 0: very,\n\nChannel 1: coming.\n\nChannel 0: very close\n\nChannel 1: Yep.\n\nChannel 0: indeed. And then industry wise, like, operating forklifts, it's probably around the 14 mark.\n\nChannel 1: Fourteen what?\n\nChannel 0: Years, like, in the like, operating forklifts in the similar sort of roles and, like, that sort\n\nChannel 1: Oh,\n\nChannel 0: of\n\nChannel 1: I've been a forklift operator for over twenty five years. Yeah. Yep. Long\n\nChannel 0: things? Okay. That must just been fourteen years at the previous\n\nChannel 1: time.\n\nChannel 0: employer.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. Perfect. And as far as the employment status, are you full time at the moment?\n\nChannel 1: Yes. I am.\n\nChannel 0: Yep. Is it just like the thirty eight hour week or a little\n\nChannel 1: Yeah.\n\nChannel 0: bit of overtime? Thirty eight.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. No problem. And do you know roughly what your annual salary is there at the moment?\n\nChannel 1: No idea.\n\nChannel 0: Yep. No. That's that's okay. Would it I had your last salary around, like, the 93 mark. Would it be similar\n\nChannel 1: Yep.\n\nChannel 0: to that one?\n\nChannel 1: No. Not nowhere near. Probably looking at maybe 70.\n\nChannel 0: Yep. And then in regards to your savings and expenditure at the moment, I had you sort of roughly putting away a $100 a week and then your expenditures around the 600. Is that sort of similar? Are you, like, saving a bit less now with the income decrease? Or\n\nChannel 1: It's basically the same. So yeah.\n\nChannel 0: Yep. Not a problem at all. And then within regards to, like, salary sacrifice or any concessional contributions are you doing anything else at the moment?\n\nChannel 1: No.\n\nChannel 0: Yep. Not a problem. And you don't plan on sort of doing anything like that in the the short term?\n\nChannel 1: No.\n\nChannel 0: Perfect. And do you know roughly if you just get the 12% for your employee pay contributions or you're not too sure?\n\nChannel 1: I'm not too sure, actually.\n\nChannel 0: No. That's perfectly fine. And then you don't have an EBA with Bunnings\n\nChannel 1: Yes. There\n\nChannel 0: at\n\nChannel 1: is.\n\nChannel 0: all?\n\nChannel 1: Yep.\n\nChannel 0: There is?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Do you know specifically what's in that EBA if, like, that affects your superannuation or contributions or anything?\n\nChannel 1: No. I\n\nChannel 0: No.\n\nChannel 1: don't know. But\n\nChannel 0: Do\n\nChannel 1: there is\n\nChannel 0: you\n\nChannel 1: an\n\nChannel 0: know\n\nChannel 1: EBA.\n\nChannel 0: do you know the the name potentially or\n\nChannel 1: Oh,\n\nChannel 0: the EBA? Is it just like a Bunnings EBA, or is it like a different\n\nChannel 1: yeah.\n\nChannel 0: group that holds it?\n\nChannel 1: No. It's just Bunnings. We are under West Farmers, but, yeah, it's just the Bunnings EBA. You can get it on Google.\n\nChannel 0: Yeah. We do have an EBA lookup, but sometimes it's under, like, parent companies and things like that. But if it's just the general Bunnings, like,\n\nChannel 1: Yeah.\n\nChannel 0: Queensland\n\nChannel 1: It's just\n\nChannel 0: one,\n\nChannel 1: Bunnings.\n\nChannel 0: we should\n\nChannel 1: Victoria now. I'm not in Queensland.\n\nChannel 0: yeah. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: I I\n\nChannel 1: Yep.\n\nChannel 0: just off the back of my head, we live in Queensland, so\n\nChannel 1: Yeah.\n\nChannel 0: we don't\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: know.\n\nChannel 0: call today. Sorry. So and then details in regards to your assets and liabilities there. So we had $1.20 owing on the house the last time we spoke and about $5.50 in asset value. Now is that roughly the same?\n\nIs it\n\nChannel 1: Mhmm.\n\nChannel 0: going\n\nChannel 1: Yeah.\n\nChannel 0: up a little bit in value, or is it\n\nChannel 1: No. Same. Yep.\n\nChannel 0: yep. No problem. And then I have two cars here, one worth the 15,000 and then the Holden worth 40.\n\nChannel 1: Yep.\n\nChannel 0: Still they're still the same?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And do you have any other assets or or liabilities that I haven't sort of mentioned there?\n\nChannel 1: Not that I can think of. No.\n\nChannel 0: Do you have a little bit of a a savings rainy day fund as well on the side or\n\nChannel 1: Yeah. I've got about $10 in that.\n\nChannel 0: perfect. I'll just jot that down. Yep. And then in regards to your health wise, I know you were taking medication for your thyroid, but are you taking any other medications currently?\n\nChannel 1: No. Still just the thyroid. That's a lifelong thing.\n\nChannel 0: No problem. And then any other sort of medical trips to the hospital or anything like that since you've had the the lung testing?\n\nChannel 1: No. Everything's cool.\n\nChannel 0: Right. And do you currently hold private health cover at the moment there, Jane?\n\nChannel 1: Only extras.\n\nChannel 0: Yep. Great. And I know you didn't have a will the last time we spoke. Have you managed to get around to doing up a will with your partner or\n\nChannel 1: No. I know\n\nChannel 0: no.\n\nChannel 1: we need to. But yeah.\n\nChannel 0: Yeah. No. It's it's one of those things. It's like your people don't need them till they need them.\n\nChannel 1: Yeah.\n\nChannel 0: It's definitely\n\nChannel 1: Yep.\n\nChannel 0: it's definitely important, especially, you know, having your partner and children and things like that as\n\nChannel 1: Yep.\n\nChannel 0: well. You can do them jointly. We can send through some lawyer information to, like, a general lawyer that we've sort of worked with in the the past. They have a little information pamphlet and\n\nChannel 1: Mhmm.\n\nChannel 0: just give you some general pricing. In addition to that one as well, you can do, like, your post office wheels. They're not the most\n\nChannel 1: Yep.\n\nChannel 0: ironclad things, but it is at least something on paper, and it doesn't\n\nChannel 1: Yep.\n\nChannel 0: leave people guessing if you only wanna spend, like, you know, the 50 to $100 sort of thing to get one sort of set up if you follow\n\nChannel 1: Yep.\n\nChannel 0: the instructions. Otherwise, it's, like, I think it's around roughly estimate, like, a $300 potentially for single or, you know, upwards of the 600 per joints and things like that depending on your solicitor that you use.\n\nChannel 1: Okay.\n\nChannel 0: But we can also just send you that information for you to have a look at. It's no obligation to use their services or not.\n\nChannel 1: Yep.\n\nChannel 0: Just gives\n\nChannel 1: You might\n\nChannel 0: you\n\nChannel 1: as\n\nChannel 0: a\n\nChannel 1: well send\n\nChannel 0: little\n\nChannel 1: it\n\nChannel 0: bit\n\nChannel 1: through.\n\nChannel 0: of\n\nChannel 1: Yep.\n\nChannel 0: reading material. Perfect. And then this one's a bit of a weird one, but it's just an updated one on the the fact find there. But don't have any family or yourself? You're not involved in any sort of politics at all?\n\nChannel 1: No.\n\nChannel 0: Yes. I know. I know. It sounds like a little bit of a weird one, but it's like to do with, like, anti money laundering legislation, things like\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: No.\n\nChannel 0: Just yeah. No problem. And for yourself, you're not earning an income anywhere outside Australia or able to earn an income outside Australia, not a tax resident anywhere else?\n\nChannel 1: No.\n\nChannel 0: Right. And now as far as the the goals go, I know you were looking at just, you know, enjoying a bit of family time and and travel and things like that and going to New Zealand in the the shorter term. Is that sort of eventuated? Have you got away with the family trip? Or\n\nChannel 1: Yes and no. But we won't be going back to New Zealand anytime soon because they passed away. So yeah.\n\nChannel 0: No. No. That is unfortunate there. Lucky you did get across before they went\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: That that's nice at least. Sorry to hear that though. But in the the short term now, is there anything that you're sort of working towards?\n\nChannel 1: Well, I'm still hoping to retire around 60, but, yeah, I don't know whether that's gonna be possible, but I'm trying.\n\nChannel 0: Yeah. And, look, you do have quite, like, a healthy balance already\n\nChannel 1: Yep.\n\nChannel 0: in regards to your superannuation. Obviously, you know, cutting back a little bit on the the income there reduces the contributions a little bit, but it is still tracking quite nicely in terms of, like, the growth you are getting out of your superannuation\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: since you've been on board. I will go over that in a little bit there as well.\n\nChannel 1: Yep.\n\nChannel 0: But no sort of looking towards family trips. You're mainly just looking at paying down the mortgage you do have. Let me So we're gonna try at 60. And then in regards to your insurance,\n\nChannel 1: Yeah.\n\nChannel 0: Sam, and just making sure you're protected, is it mainly just covering for the debt of the the residents? Or\n\nChannel 1: Yeah. Yep. So an extra, I don't know, $40 or whatever would be good.\n\nChannel 0: yep. And have you had a thought about, like, income replacement and what that might look like if you were unable to to work and then the cost of that?\n\nChannel 1: No.\n\nChannel 0: Because because with that, like, generally with partners and having children, you sort of look to maybe sort of seven to ten years, like, order income replacement. Is that's, like, something you did wanna cover for for, like, full risk mitigation in the event that you were incapacitated and unable to work. So, obviously, there's still costs that come with that. Now you obviously can still rely on things like whatever the you can get from the government through, like, NDR support programs and things like that and settlement.\n\nChannel 1: Yep.\n\nChannel 0: But if you're unable to earn an income and you're still there sort of thing, you potentially still care for the child but unable to to earn a living, bills still come out. And\n\nChannel 1: Yep.\n\nChannel 0: then that way, you can cover for that. So we given the price and, like, the costing, would you maybe wanna look at sort of, like, a little bit more just in the event that something did happen and maybe sort of look closely to replacing income for a few years even just on top if you are looking to have a policy, the external?\n\nChannel 1: Yeah. Well, I've got income protection with Bryta, but I'm not sure how long that goes for, whether it's just twelve months or I think it's the standard twelve months.\n\nChannel 0: Yes. I believe with that one, it's a fourteen day waiting period and two year benefit period, but the\n\nChannel 1: Yeah.\n\nChannel 0: I believe there's some insured. Let me just double check what it actually comes to. It is the one twenty, so you might be a little bit over insured in terms of, like, the yearly amount\n\nChannel 1: Yep.\n\nChannel 0: and what you could claim on.\n\nChannel 1: Yep.\n\nChannel 0: So we could potentially look at reducing that down a little bit as well because that\n\nChannel 1: Yep.\n\nChannel 0: does come out at a higher cost\n\nChannel 1: Mhmm.\n\nChannel 0: down to your current income. Do you plan on potentially looking at another job?\n\nChannel 1: No. This\n\nChannel 0: Yes.\n\nChannel 1: is it.\n\nChannel 0: Yep. Because with that, you can only claim up to 70% of your, like, current income. And given\n\nChannel 1: Yep.\n\nChannel 0: that it's dropped down quite significantly, we can look at\n\nChannel 1: Mhmm.\n\nChannel 0: potentially reducing that down a little bit to, like, a more claimable amount, which will help with the the cost of that one.\n\nChannel 1: Yep.\n\nChannel 0: Now the way retail insurance work as well is that you potentially end up with, like, exclusions and loadings for, like, health conditions that already preexist. Whereas because you've had the brightest super account quite some time, those conditions could predate the fund itself. And if you've had the fund long enough, sometimes it doesn't matter if they predate the fund or not that you potentially could be covered for them with those group insurances.\n\nChannel 1: Okay.\n\nChannel 0: The\n\nChannel 1: Yep.\n\nChannel 0: way retail cover works is that it's underwritten at the time of application. So they find out everything about your health and exclude everything that's already existing, and\n\nChannel 1: Yep.\n\nChannel 0: then you wouldn't be able to claim on those. Not to\n\nChannel 1: Yep.\n\nChannel 0: say that we can't bump up the life and TPD and have, like, a separate policy just to make sure you're fully insured.\n\nChannel 1: Mhmm.\n\nChannel 0: But there's a good chance that we might be retaining that cover anyway just in the event that anything did happen because you don't carry or wouldn't carry those exclusions, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Alright. Just sorry. Just talking back to the questions there. So, yeah, we'll have a look and see what that pricing looks like, and then we'll come back and have a bit of a conversation, see what you wanna cover for, and potentially sorta how much.\n\nSometimes it can be cheaper in lots of, like, higher amounts given\n\nChannel 1: Yep.\n\nChannel 0: that you've already got the the policy there. Like, it can be an extra sort of $102,100 dollars a year to have, like, a few 100,000 versus, you know, having, like, the the 50, if\n\nChannel 1: Yeah.\n\nChannel 0: that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: But we'll have a play around with that as well. And then in regards to your superannuation, I'm not too sure if they went over it with you. I know you haven't been sent your annual review pack, but you should receive that shortly in terms of, like, the returns with that. Now\n\nChannel 1: Okay.\n\nChannel 0: your your superannuation was doing really quite well before the end of last year, but then\n\nChannel 1: Yep.\n\nChannel 0: Benelong, the active managed portion in that fund, has taken a little bit of a dive purely because of an underlying investment that they did have. And because that is a 10¢ waiting in your fund, it has caused a bit of a negative impact.\n\nChannel 1: Yep.\n\nChannel 0: And then with the AI stuff that occurred at the start of this year, the hack cyber side of your portfolio has taken a bit of a dive as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Now in terms of, like, a return overall, you still got 8.96% after fees in terms\n\nChannel 1: Yep.\n\nChannel 0: of return. So still quite a good return out of the superannuation even with those two assets that took a bit of a backwards turn.\n\nChannel 1: Yep.\n\nChannel 0: Now in regards to the active portion of Benelong there, because it was an underlying asset and it wasn't like an equity, like, issue within, like, the Australian market, we would potentially be looking to remove the Benelong as an update from your portfolio. Because\n\nChannel 1: Yep.\n\nChannel 0: you're in one of the the newer portfolios anyway. It's the rest of portfolio, even the the hack side of the side of things that did take a little bit of a backward step, they still have, like, long term investment faith in that one or conviction that it will still do well over the long term. The been long, not so much anymore. As an investment committee, they're moving away from that.\n\nChannel 1: Mhmm.\n\nChannel 0: Now we can look at just replacing that with an active alternative because it is a managed fund. That means that that fund manager tries to outperform the market, and it costs a little bit more to have that active management to try and do better than what the market's doing.\n\nChannel 1: Yep.\n\nChannel 0: Or we can just look to do a more passive option and put it in an index fund much like the rest of your fund where it's a bit lower cost. It just tracks an index within Australia. It'd be around, like, the top 200 companies in Australia, and it just tracks that index at a a lower price as a replacement option for that Benelon, if that makes sense.\n\nChannel 1: Okay. So how much extra for the active?\n\nChannel 0: As a cost wise, it'd be hard to say because it's based on balance and how much is actually, like, invested in it.\n\nChannel 1: Okay.\n\nChannel 0: Generally, like, as a a cost basis, it works out to be, like, a point 5% cost for, like, the investment invested in it versus,\n\nChannel 1: Mhmm.\n\nChannel 0: like, the the passive portion, which can be much lower sort of about, like, the half of that sort of thing. But\n\nChannel 1: Okay.\n\nChannel 0: as I said, one just tracks the index while the other one actively tries to outperform it. So you're basically paying for the fund manager to try and, you know, do some buys and sells and find some value in some stocks and companies that can potentially perform better than what they like, industry or area, which is like Australia there, would be doing on average.\n\nChannel 1: Alright. So what am I in now?\n\nChannel 0: Benelongs, the active portion. So it's a Benelongs and Australian equities fund, and\n\nChannel 1: Okay.\n\nChannel 0: it is actively managed, and that's about the 10% mark. So\n\nChannel 1: Yep.\n\nChannel 0: we could look to just replace that 10% with a a more passive index side of things, which would mimic sort of the rest of your portfolio. And you\n\nChannel 1: Okay.\n\nChannel 0: wouldn't have the active management, but you'd be paying less in overall fees. Or\n\nChannel 1: Yep.\n\nChannel 0: you could look to just have it replaced with an active alternative and keep that active management within your super for something that's comparable in the Australian market.\n\nChannel 1: Alright. Shit. Well, I suppose now I'm getting older. To go passive, it'd probably be a better idea.\n\nChannel 0: Yeah. Look. In terms of, like, age and time horizon, even if you still wanna, you know, could retire at the age of 60, you're still a bit of a spring ticking. You've got a fair way to go yet. That\n\nChannel 1: Yep.\n\nChannel 0: ten years is still quite a way away. So you could\n\nChannel 1: Yep.\n\nChannel 0: still look to maintain an active portion, and it wouldn't be sort of an issue. As I said, it is, like, 10% of the portfolio. So not to say it's insignificant, but not to say\n\nChannel 1: Yep.\n\nChannel 0: that it's, like, it's detrimental if it does have something like did occur, like, to do, you know, over 8% still as a return even with one of those doing quite poorly and then the other one doing a little bit bad. So that's two negative performers in your portfolio, but still quite\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: Yeah.\n\nChannel 0: The rest of your portfolio is tracked quite well and is still, like, performing quite well. There\n\nChannel 1: Yeah.\n\nChannel 0: is an option just to review the entire portfolio, but given that apart from those assets that I spoke about there, it's actually largely doing quite well in terms of, like,\n\nChannel 1: No.\n\nChannel 0: the return\n\nChannel 1: Leave it\n\nChannel 0: it\n\nChannel 1: the\n\nChannel 0: is.\n\nChannel 1: way it is and find a different active one.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Please.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: No. No. That's perfectly fine. Obviously, we could potentially leave it and sort of try and ride it out. But given what that just did occur, given that it was sort of you know, if the fund manager was probably paying a bit more attention, he might likely not have occurred.\n\nIt's not to say that it's like the Australian market's doing bad at the moment. It's\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: that fund that really isn't doing too well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So it's a it's a little bit of a sell low, buy high kind of scenario, but in\n\nChannel 1: Yep.\n\nChannel 0: saying that, you know, if a horse is dead, you you gotta stop blogging it at some point. So\n\nChannel 1: No. All good.\n\nChannel 0: perfect. So that's everything in regards to those updates there. I will just run through a quick risk profile with you, Dendane, and just make sure that it does line up. As you said, you you know, you are getting a little bit older, so your risk tolerance may change a little bit. So\n\nChannel 1: Yep.\n\nChannel 0: we can just run through those few questions, make sure you're happy with everything, and then the the allocation that you currently hold within that. Because, obviously, you know, like you said, you do get closer to time, you generally wanna look at sort of reducing risk, but you do\n\nChannel 1: Yep.\n\nChannel 0: have that time horizon on your side to to maintain that high growth at least even for the next sort of seven to eight years and look at winding it\n\nChannel 1: Yep.\n\nChannel 0: down closer to retirement there.\n\nChannel 1: Yep.\n\nChannel 0: But have you had, like, investment or direct shares previously for yourself? Or\n\nChannel 1: No. It's just been this super stuff.\n\nChannel 0: yeah. Just the the managed phone within? No. That's perfectly fine. And then in terms of, like, taking on risk, do you consider yourself a little bit of a risk taker?\n\nLike, would you say that you wanna take on, like, a little bit of risk to try and outpace\n\nChannel 1: Yeah.\n\nChannel 0: inflation in the markets and get a little bit of a high return while you're still working? Yep. And would you say that's, like, sort of the the moderate to high, not, like, crazy high?\n\nChannel 1: Yeah. Moderate. Yeah.\n\nChannel 0: Yeah. And then if your portfolio was to have, like, a 20% decrease in value just from, like, an investing side of things, Do you reckon that would make you wanna sell out, or do you reckon you'd potentially just hold and wait, given, you\n\nChannel 1: I'll\n\nChannel 0: know,\n\nChannel 1: hold\n\nChannel 0: how\n\nChannel 1: and wait\n\nChannel 0: much\n\nChannel 1: because shit happens. Yep.\n\nChannel 0: yeah. Brilliant. And if in regards to returns, if you're getting, like, six to 8% in terms of, like, an after fee return, would you be quite happy with that year on\n\nChannel 1: Yep.\n\nChannel 0: year?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Right. And with, like, in regards to COVID where, you know, there was a bit of a a dip in the market and everything went backwards there, were you looking at your super? Did that make you a little bit cautious at all? Or\n\nChannel 1: No. Because it always bounces back.\n\nChannel 0: yeah. No worries. And with borrowed money, I know you own your own property there, but, like, if circumstances are different, would you ever risk borrowed money into things like properties, shares, anything riskier than, like, current home loan? Or\n\nChannel 1: I wouldn't see the need to, really.\n\nChannel 0: yeah. No. Completely\n\nChannel 1: Yeah.\n\nChannel 0: understandable.\n\nChannel 1: Yeah.\n\nChannel 0: So that does bring out as a growth investment, which is a little bit below the high growth side of things,\n\nChannel 1: Mhmm.\n\nChannel 0: which is around that 8010 split, which is high growth is at 9010 sort of split from growth\n\nChannel 1: Yep.\n\nChannel 0: to defensive assets. Like I said, you still got time on your side to be able to have that little bit more of an allocation. And it's not\n\nChannel 1: Yep.\n\nChannel 0: to say that even if you were to decrease down to a growth that your investments would change overly, it just means your allocation to those growth defensive assets would increase a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: So it's not like you're jumping from, you know, having something like stock standard shares to, like, a cryptocurrency, which you can't even hold in superannuation. Your\n\nChannel 1: Yep.\n\nChannel 0: your level of investment remains largely at least at Oakview. Sort of similar. There are some\n\nChannel 1: Mhmm.\n\nChannel 0: changes as you do get more aggressive in your investment, but the core of the portfolios largely stay the same\n\nChannel 1: Yep.\n\nChannel 0: even with those, like, risk adjustments in those sort of 10% ranges.\n\nChannel 1: Okay.\n\nChannel 0: But are you happy with the high growth still given, you know, the explanation and everything there,\n\nChannel 1: Yep.\n\nChannel 0: Right. Now in regards to your superannuation and those investment returns, did you have any other questions with that, Jane, or did you want to\n\nChannel 1: No.\n\nChannel 0: talk about that a little bit more?\n\nChannel 1: No.\n\nChannel 0: Largely\n\nChannel 1: That's all\n\nChannel 0: still\n\nChannel 1: good.\n\nChannel 0: happy with how it's all tracking even with\n\nChannel 1: Yes.\n\nChannel 0: the? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So from here, basically, what we'll do is I'll make a a note there as well. We'll get that research done. Obviously, if you've got a bit of time, we can run through that pre assessment now, or I can get you booked in with one of my colleagues to run through\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: If you can book me in, that'd be great.\n\nChannel 0: Yeah. Not a problem at all. And then they'll run through a little bit more about your occupation, a little bit about the health side of things.\n\nChannel 1: Yep.\n\nChannel 0: We'll put\n\nChannel 1: Mhmm.\n\nChannel 0: that off to the insurers, see what they come back with. As a worst case scenario there, Jane, you're not in a bad position by any means\n\nChannel 1: Yep.\n\nChannel 0: even though you're maybe a tad bit underinsured. We can look at reducing that IP, which will save you a little bit of money. I know you're currently contributing to Hub twenty four, and you've got about\n\nChannel 1: Yep.\n\nChannel 0: the 24,000 in your old account. The insurances are opted into, so we could potentially look at moving some of those funds over to Hub twenty\n\nChannel 1: Yep.\n\nChannel 0: four to consolidate the balance a little bit as well. We just\n\nChannel 1: Mhmm.\n\nChannel 0: have to be mindful that we do have to keep a bit of an eye on that given the fact\n\nChannel 1: Yep.\n\nChannel 0: that you're not contributing to that fund, or we could look at moving the contributions back and just reviewing it a little bit more regularly, if that makes sense.\n\nChannel 1: Yeah. Yeah. Because there still has to be that pocket there for the fees of all the insurances.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: So, generally, like, a a fund retention, pardon me, is 6,000, generally. In terms of that, I\n\nChannel 1: Okay.\n\nChannel 0: believe with your fund, it's 8 as a minimum balance. And normally, we leave about 10 to 15 anyway in terms of, like, paying for those fees. And each year, we have you under review and you sort of review where things are at.\n\nChannel 1: Yes.\n\nChannel 0: Obviously, if you're not contributing, it's a little bit more risky. Even with the insurances opted in, you do have to keep a little bit more of an eye on it.\n\nChannel 1: Yep.\n\nChannel 0: But because you completed that form, it just means that it's a little bit safer in regards to that as well. But if you're happy sort of leaving those funds there as well, we don't have to to touch anything,\n\nChannel 1: Okay.\n\nChannel 0: but\n\nChannel 1: Yep.\n\nChannel 0: that's always an option to have the funds a little bit more consolidated to your your better performing sort of fund\n\nChannel 1: Mhmm.\n\nChannel 0: as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Brilliant. But is there anything else that you wanna have a chat about before I look to to book you in for your pre assessment there at all, Jane?\n\nChannel 1: I'm trying to think so. I don't think that's about it.\n\nChannel 0: Not a problem at all. Brilliant. And what sort of day would work best for you in terms of completing that pre assessment with one of my colleagues there, Jane?\n\nChannel 1: Any day after well, actually, any day but Monday after five. Yep. Or\n\nChannel 0: Yep.\n\nChannel 1: at five.\n\nChannel 0: So even, potentially, this Thursday at 5PM would work well\n\nChannel 1: Yep.\n\nChannel 0: for you?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I'll get that booked in there.\n\nChannel 1: Mhmm.\n\nChannel 0: And just refresh my memory there. Sorry, Jane. Your partner, she's not a client of ours?\n\nChannel 1: No. She's with a and p. She's been there for ages. So yep.\n\nChannel 0: Not not a problem at all. I was just double checking because at the moment, they did have, like, a coupling fee going. So I just wanna\n\nChannel 1: Mhmm.\n\nChannel 0: make sure that that was applied if she was a a client or or looking to receive advice. But if she's happy with her AMP, that's not a problem at\n\nChannel 1: No.\n\nChannel 0: all.\n\nChannel 1: Yep.\n\nChannel 0: Brilliant. If you've got no more questions for me there, Jane, you should receive the annual review pack shortly in terms of, like, your ongoing service agreement. Obviously, you can opt out of that at any time. So if it turns around in, you know, like, a few weeks there once you do get the advice update piece and the information regarding assurances that you're not too happy with this and wanna go your separate ways, you can always opt out. You'll receive your other documents here in regards to your COC and your performance report as well for you\n\nChannel 1: Okay.\n\nChannel 0: to have a a look at. If you do have any other questions regarding that as well, I can even see if someone's available this afternoon to send that out to you.\n\nChannel 1: No. That's it.\n\nChannel 0: Yeah. Feel free to to reach out. Otherwise, we'll get that on the the road, and then they'll send you that lawyer information booklet shortly as well.\n\nChannel 1: Okay.\n\nChannel 0: No problem. Other than that there, Jane, you enjoy the rest of your afternoon, and I'll be speaking with you at Thursday there at 5PM.\n\nChannel 1: Too easy. Thanks for that call.\n\nChannel 0: Not a problem at all, Jane. Thanks for your time. Hope I answered\n\nChannel 1: Okay\n\nChannel 0: all your\n\nChannel 1: then.\n\nChannel 0: your questions this afternoon.\n\nChannel 1: Yes. You did. Thank you very much.\n\nChannel 0: No problem at all. Thanks now. Bye.\n\nChannel 1: Alright. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.12,"sentiment":"neutral","sentiment_score":0.026361245661973953},{"text":"Dan speaking.","start":1.12,"end":1.86,"sentiment":"neutral","sentiment_score":0.02863229438662529}],"sentiment":"neutral","sentiment_score":0.027875278145074844,"channel":1,"num_words":3,"start":0.88,"end":1.86},{"sentences":[{"text":"Good afternoon, Jane.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.2958364685376485},{"text":"It's Carl calling from OPU Financial.","start":3.28,"end":5.04,"sentiment":"neutral","sentiment_score":0.20423153539498648},{"text":"How are you today?","start":5.04,"end":5.94,"sentiment":"neutral","sentiment_score":0.21342137083411217}],"sentiment":"neutral","sentiment_score":0.22819877702456254,"channel":0,"num_words":13,"start":2.48,"end":5.94},{"sentences":[{"text":"I'm good.","start":6.16,"end":6.64,"sentiment":"positive","sentiment_score":0.5155423581600189},{"text":"Thank you.","start":6.64,"end":7.3799996,"sentiment":"positive","sentiment_score":0.644060879945755}],"sentiment":"positive","sentiment_score":0.579801619052887,"channel":1,"num_words":4,"start":6.16,"end":7.3799996},{"sentences":[{"text":"Good to hear.","start":8.0,"end":8.639999,"sentiment":"positive","sentiment_score":0.5245261490345001},{"text":"I just scheduled in for a bit of a follow-up conversation.","start":8.639999,"end":11.219999,"sentiment":"neutral","sentiment_score":0.14007274332371625},{"text":"If","start":11.84,"end":12.08,"sentiment":"neutral","sentiment_score":0.056734878569841385}],"sentiment":"neutral","sentiment_score":0.2114075668156147,"channel":0,"num_words":15,"start":8.0,"end":12.08},{"sentences":[{"text":"Yes,","start":12.08,"end":12.4,"sentiment":"neutral","sentiment_score":0.07101820409297943}],"sentiment":"neutral","sentiment_score":0.07101820409297943,"channel":1,"num_words":1,"start":12.08,"end":12.4},{"sentences":[{"text":"now is still","start":12.08,"end":12.4,"sentiment":"neutral","sentiment_score":0.06452486043175061}],"sentiment":"neutral","sentiment_score":0.06452486043175061,"channel":0,"num_words":3,"start":12.08,"end":12.4},{"sentences":[{"text":"please.","start":12.4,"end":12.795,"sentiment":"neutral","sentiment_score":0.12723907828330994}],"sentiment":"neutral","sentiment_score":0.12723907828330994,"channel":1,"num_words":1,"start":12.4,"end":12.795},{"sentences":[{"text":"a good time for you?","start":12.4,"end":13.2,"sentiment":"neutral","sentiment_score":0.15367750227451324},{"text":"Yeah.","start":13.2,"end":13.44,"sentiment":"neutral","sentiment_score":0.2506904900074005},{"text":"Brilliant.","start":13.44,"end":13.94,"sentiment":"positive","sentiment_score":0.4699081778526306}],"sentiment":"neutral","sentiment_score":0.21271231131894247,"channel":0,"num_words":7,"start":12.4,"end":13.94},{"sentences":[{"text":"Yep.","start":13.515,"end":14.015,"sentiment":"neutral","sentiment_score":0.24797499179840088}],"sentiment":"neutral","sentiment_score":0.24797499179840088,"channel":1,"num_words":1,"start":13.515,"end":14.015},{"sentences":[{"text":"If I could just pass you through security, just that name, date of birth, and current address, we can get stuck into that one today.","start":14.755,"end":19.494999,"sentiment":"neutral","sentiment_score":0.16527638733386993}],"sentiment":"neutral","sentiment_score":0.16527638733386993,"channel":0,"num_words":25,"start":14.755,"end":19.494999},{"sentences":[{"text":"Yep.","start":19.675,"end":20.154999,"sentiment":"neutral","sentiment_score":0.06683705747127533},{"text":"It's Jane Michelle Keesley.","start":20.154999,"end":21.775,"sentiment":"neutral","sentiment_score":0.04109428357332945},{"text":"Date of birth, thirty seven nine seventy five, and I'm at 16 Taylor Street in Bairnsdale, Victoria.","start":22.314999,"end":27.615,"sentiment":"neutral","sentiment_score":0.04820564027656527}],"sentiment":"neutral","sentiment_score":0.04775954893028194,"channel":1,"num_words":22,"start":19.675,"end":27.615},{"sentences":[{"text":"Brilliant.","start":28.835,"end":29.235,"sentiment":"positive","sentiment_score":0.43115586042404175},{"text":"Thank you for that one.","start":29.235,"end":30.46,"sentiment":"positive","sentiment_score":0.5349570512771606},{"text":"I'll just let you know these calls are recorded for training quality purposes there.","start":30.599998,"end":34.379997,"sentiment":"neutral","sentiment_score":0.1619021456156458}],"sentiment":"neutral","sentiment_score":0.26862855777144434,"channel":0,"num_words":20,"start":28.835,"end":34.379997},{"sentences":[{"text":"Yep.","start":34.64,"end":35.14,"sentiment":"neutral","sentiment_score":0.06309518963098526}],"sentiment":"neutral","sentiment_score":0.06309518963098526,"channel":1,"num_words":1,"start":34.64,"end":35.14},{"sentences":[{"text":"Now I know previously, I believe you had a conversation with my colleague, Severiano, Sebi, in regards to your annual review, but I believe it was quite brief, and that was meant to be a follow-up conversation that didn't occur.","start":35.8,"end":47.454998,"sentiment":"neutral","sentiment_score":0.0007078113805619069},{"text":"So","start":47.695,"end":47.934998,"sentiment":"neutral","sentiment_score":0.0621313601732254}],"sentiment":"neutral","sentiment_score":0.0022059467169683335,"channel":0,"num_words":41,"start":35.8,"end":47.934998},{"sentences":[{"text":"Yes.","start":47.875,"end":48.375,"sentiment":"neutral","sentiment_score":0.12977522611618042}],"sentiment":"neutral","sentiment_score":0.12977522611618042,"channel":1,"num_words":1,"start":47.875,"end":48.375},{"sentences":[{"text":"I'm happy to run through, like, the call just as, like, and do your, like, any review sort of from scratch if you're you're","start":47.934998,"end":54.574997,"sentiment":"neutral","sentiment_score":0.2532080840319395}],"sentiment":"neutral","sentiment_score":0.2532080840319395,"channel":0,"num_words":24,"start":47.934998,"end":54.574997},{"sentences":[{"text":"Yep.","start":54.41,"end":54.91,"sentiment":"neutral","sentiment_score":0.1894557923078537}],"sentiment":"neutral","sentiment_score":0.1894557923078537,"channel":1,"num_words":1,"start":54.41,"end":54.91},{"sentences":[{"text":"happy with that.","start":54.574997,"end":55.454998,"sentiment":"neutral","sentiment_score":0.3050909439722697},{"text":"Yeah.","start":55.454998,"end":55.954998,"sentiment":"neutral","sentiment_score":0.10658499598503111}],"sentiment":"neutral","sentiment_score":0.25546445697546005,"channel":0,"num_words":4,"start":54.574997,"end":55.954998},{"sentences":[{"text":"Yes, please.","start":55.530003,"end":56.43,"sentiment":"neutral","sentiment_score":0.10875437036156654}],"sentiment":"neutral","sentiment_score":0.10875437036156654,"channel":1,"num_words":2,"start":55.530003,"end":56.43},{"sentences":[{"text":"Not a not a problem at all.","start":56.094997,"end":57.69,"sentiment":"neutral","sentiment_score":0.12852766151939118},{"text":"So within regards to that one, Jane, did you have any questions specifically that you want answered before we jump into everything?","start":58.329998,"end":64.909996,"sentiment":"neutral","sentiment_score":0.021532397463240406},{"text":"Or","start":65.049995,"end":65.21,"sentiment":"neutral","sentiment_score":-0.010275159031152723}],"sentiment":"neutral","sentiment_score":0.04543770719319582,"channel":0,"num_words":30,"start":56.094997,"end":65.21},{"sentences":[{"text":"Well, it's mainly in the last chap, I I think it was Jacob I spoke to before about","start":66.455,"end":73.095,"sentiment":"neutral","sentiment_score":-0.054286698500315346}],"sentiment":"neutral","sentiment_score":-0.054286698500315346,"channel":1,"num_words":18,"start":66.455,"end":73.095},{"sentences":[{"text":"yep.","start":72.81,"end":72.975,"sentiment":"neutral","sentiment_score":-0.061799079179763794}],"sentiment":"neutral","sentiment_score":-0.061799079179763794,"channel":0,"num_words":1,"start":72.81,"end":72.975},{"sentences":[{"text":"the insurances and stuff, but it didn't seem like it was enough because it was only 70 for death and total incapacitation with Brighter, but there was nothing with you guys.","start":73.095,"end":87.55,"sentiment":"neutral","sentiment_score":-0.10026574363150904},{"text":"So yeah.","start":87.55,"end":89.17,"sentiment":"neutral","sentiment_score":-0.024356046691536903}],"sentiment":"neutral","sentiment_score":-0.0956651559381774,"channel":1,"num_words":33,"start":73.095,"end":89.17},{"sentences":[{"text":"Yeah.","start":90.03,"end":90.43,"sentiment":"neutral","sentiment_score":-0.034673094749450684},{"text":"No.","start":90.43,"end":90.67,"sentiment":"neutral","sentiment_score":-0.12552368640899658},{"text":"Completely understandable.","start":90.67,"end":91.649994,"sentiment":"neutral","sentiment_score":-0.1386047750711441},{"text":"So I believe when you originally first came on board that you had an undiagnosed mass on your left lung that you were seeking doctors","start":92.03,"end":102.155,"sentiment":"neutral","sentiment_score":-0.08278041273355484}],"sentiment":"neutral","sentiment_score":-0.08644540171171057,"channel":0,"num_words":29,"start":90.03,"end":102.155},{"sentences":[{"text":"Yep.","start":103.155,"end":103.655,"sentiment":"neutral","sentiment_score":-0.055909156799316406}],"sentiment":"neutral","sentiment_score":-0.055909156799316406,"channel":1,"num_words":1,"start":103.155,"end":103.655},{"sentences":[{"text":"reports from and follow ups for that, and you're on a waiting list to get it potentially fixed.","start":103.415,"end":107.814995,"sentiment":"neutral","sentiment_score":-0.065856014067928},{"text":"Now have you finalized all of that?","start":107.814995,"end":110.774994,"sentiment":"neutral","sentiment_score":-0.026941411729369844},{"text":"Like, has that 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yeah.","start":116.18,"end":117.24,"sentiment":"neutral","sentiment_score":-0.10309453681111336}],"sentiment":"neutral","sentiment_score":-0.28385983350185245,"channel":1,"num_words":13,"start":113.06,"end":117.24},{"sentences":[{"text":"Yep.","start":119.189995,"end":119.689995,"sentiment":"positive","sentiment_score":0.44885778427124023},{"text":"Perfect.","start":120.39,"end":120.89,"sentiment":"positive","sentiment_score":0.7401856184005737},{"text":"So with that one, obviously, at the time when you came on board due to that, when you undergo, like, any sort of, like, medical appointments, even if it's just a general checkup, they won't actually touch, like, retail cover until the point where you've, like, had your checkups and got cleared or diagnosed with any sort of 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fourteen day waiting period and two year benefit period, but the","start":969.505,"end":975.7,"sentiment":"neutral","sentiment_score":0.022797105730407767}],"sentiment":"neutral","sentiment_score":0.023207692135321468,"channel":0,"num_words":19,"start":969.185,"end":975.7},{"sentences":[{"text":"Yeah.","start":975.29,"end":975.79,"sentiment":"neutral","sentiment_score":0.014854369685053824}],"sentiment":"neutral","sentiment_score":0.014854369685053824,"channel":1,"num_words":1,"start":975.29,"end":975.79},{"sentences":[{"text":"I believe there's some insured.","start":976.64,"end":978.9,"sentiment":"neutral","sentiment_score":-0.027313674613833428},{"text":"Let me just double check what it actually comes to.","start":980.0,"end":982.66,"sentiment":"neutral","sentiment_score":-0.026631733775138854},{"text":"It is the one twenty, so you might be a little bit over insured in terms of, like, the yearly 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turn.","start":1152.745,"end":1159.005,"sentiment":"neutral","sentiment_score":0.2091779452951058}],"sentiment":"neutral","sentiment_score":0.2129266706109047,"channel":0,"num_words":25,"start":1152.265,"end":1159.005},{"sentences":[{"text":"Yep.","start":1159.135,"end":1159.635,"sentiment":"neutral","sentiment_score":0.024117913097143173}],"sentiment":"neutral","sentiment_score":0.024117913097143173,"channel":1,"num_words":1,"start":1159.135,"end":1159.635},{"sentences":[{"text":"Now in regards to the active portion of Benelong there, because it was an underlying asset and it wasn't like an equity, like, issue within, like, the Australian market, we would potentially be looking to remove the Benelong as an update from your portfolio.","start":1159.26,"end":1173.68,"sentiment":"neutral","sentiment_score":-0.13914284135468982},{"text":"Because","start":1174.105,"end":1174.345,"sentiment":"neutral","sentiment_score":-0.08540749549865723}],"sentiment":"neutral","sentiment_score":-0.1379487225578891,"channel":0,"num_words":45,"start":1159.26,"end":1174.345},{"sentences":[{"text":"Yep.","start":1174.2,"end":1174.7,"sentiment":"neutral","sentiment_score":-0.10207633674144743}],"sentiment":"neutral","sentiment_score":-0.10207633674144743,"channel":1,"num_words":1,"start":1174.2,"end":1174.7},{"sentences":[{"text":"you're in one of the the newer portfolios anyway.","start":1174.345,"end":1176.7649,"sentiment":"neutral","sentiment_score":-0.15629271500640446},{"text":"It's the rest of portfolio, even the the hack side of the side of things that did take a little bit of a backward step, they still have, like, long term investment faith in that one or conviction that it will still do well over the long term.","start":1177.945,"end":1189.74,"sentiment":"neutral","sentiment_score":-0.10091016348451376},{"text":"The been long, not so much anymore.","start":1189.74,"end":1191.34,"sentiment":"neutral","sentiment_score":-0.26339892404420034},{"text":"As an investment committee, they're moving away from that.","start":1191.34,"end":1193.76,"sentiment":"neutral","sentiment_score":-0.27885346445772385}],"sentiment":"neutral","sentiment_score":-0.14525747850333173,"channel":0,"num_words":73,"start":1174.345,"end":1193.76},{"sentences":[{"text":"Mhmm.","start":1194.0,"end":1194.5,"sentiment":"neutral","sentiment_score":-0.037063613533973694}],"sentiment":"neutral","sentiment_score":-0.037063613533973694,"channel":1,"num_words":1,"start":1194.0,"end":1194.5},{"sentences":[{"text":"Now we can look at just replacing that with an active alternative because it is a managed fund.","start":1194.0599,"end":1199.58,"sentiment":"neutral","sentiment_score":-0.008692128583788872},{"text":"That means that that fund manager tries to outperform the market, and it costs a little bit more to have that active management to try and do better than what the market's doing.","start":1199.58,"end":1207.475,"sentiment":"neutral","sentiment_score":0.015626772151639063}],"sentiment":"neutral","sentiment_score":0.007043630715605675,"channel":0,"num_words":51,"start":1194.0599,"end":1207.475},{"sentences":[{"text":"Yep.","start":1207.775,"end":1208.275,"sentiment":"neutral","sentiment_score":0.053407907485961914}],"sentiment":"neutral","sentiment_score":0.053407907485961914,"channel":1,"num_words":1,"start":1207.775,"end":1208.275},{"sentences":[{"text":"Or we can just look to do a more passive option and put it in an index fund much like the rest of your fund where it's a bit lower cost.","start":1207.775,"end":1214.175,"sentiment":"neutral","sentiment_score":0.12532779814735537},{"text":"It just tracks an index within Australia.","start":1214.175,"end":1216.115,"sentiment":"neutral","sentiment_score":0.11727985207523618},{"text":"It'd be around, like, the top 200 companies in Australia, and it just tracks that index at a a lower price as a replacement option for that Benelon, if that makes sense.","start":1216.38,"end":1224.8,"sentiment":"positive","sentiment_score":0.3463323237374425}],"sentiment":"neutral","sentiment_score":0.22555364380989756,"channel":0,"num_words":70,"start":1207.775,"end":1224.8},{"sentences":[{"text":"Okay.","start":1225.02,"end":1225.52,"sentiment":"neutral","sentiment_score":0.11959777772426604},{"text":"So how much extra for the active?","start":1225.5801,"end":1228.16,"sentiment":"neutral","sentiment_score":0.0884115711918899}],"sentiment":"neutral","sentiment_score":0.09230984700843692,"channel":1,"num_words":8,"start":1225.02,"end":1228.16},{"sentences":[{"text":"As a cost wise, it'd be hard to say because it's based on balance and how much is actually, like, invested in it.","start":1229.9,"end":1236.425,"sentiment":"neutral","sentiment_score":-0.008147839456796646}],"sentiment":"neutral","sentiment_score":-0.008147839456796646,"channel":0,"num_words":23,"start":1229.9,"end":1236.425},{"sentences":[{"text":"Okay.","start":1236.515,"end":1237.015,"sentiment":"neutral","sentiment_score":0.105612114071846}],"sentiment":"neutral","sentiment_score":0.105612114071846,"channel":1,"num_words":1,"start":1236.515,"end":1237.015},{"sentences":[{"text":"Generally, like, as a a cost basis, it works out to be, like, a point 5% cost for, like, the investment invested in it 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thing.","start":1247.25,"end":1253.27,"sentiment":"neutral","sentiment_score":0.08431916116248994},{"text":"But","start":1253.57,"end":1253.73,"sentiment":"neutral","sentiment_score":0.13619078695774078}],"sentiment":"neutral","sentiment_score":0.08667696233500134,"channel":0,"num_words":22,"start":1247.25,"end":1253.73},{"sentences":[{"text":"Okay.","start":1253.68,"end":1254.18,"sentiment":"neutral","sentiment_score":0.2775273323059082}],"sentiment":"neutral","sentiment_score":0.2775273323059082,"channel":1,"num_words":1,"start":1253.68,"end":1254.18},{"sentences":[{"text":"as I said, one just tracks the index while the other one actively tries to outperform it.","start":1253.73,"end":1257.73,"sentiment":"positive","sentiment_score":0.3824736546067631},{"text":"So you're basically paying for the fund manager to try and, you know, do some buys and sells and find some value in some stocks and companies that can potentially perform better than what they like, industry or area, which is like Australia there, would be doing on average.","start":1257.73,"end":1272.84,"sentiment":"neutral","sentiment_score":0.28752860001155306}],"sentiment":"neutral","sentiment_score":0.31198414437698596,"channel":0,"num_words":66,"start":1253.73,"end":1272.84},{"sentences":[{"text":"Alright.","start":1273.355,"end":1273.835,"sentiment":"neutral","sentiment_score":0.11242225766181946},{"text":"So what am I in now?","start":1273.835,"end":1275.21,"sentiment":"neutral","sentiment_score":0.06290933055182298}],"sentiment":"neutral","sentiment_score":0.06998260585325104,"channel":1,"num_words":7,"start":1273.355,"end":1275.21},{"sentences":[{"text":"Benelongs, the active portion.","start":1276.12,"end":1277.64,"sentiment":"neutral","sentiment_score":0.08403009176254272},{"text":"So it's a Benelongs and Australian equities fund, and","start":1277.64,"end":1280.12,"sentiment":"neutral","sentiment_score":0.10106897271341747}],"sentiment":"neutral","sentiment_score":0.09582624011314832,"channel":0,"num_words":13,"start":1276.12,"end":1280.12},{"sentences":[{"text":"Okay.","start":1280.01,"end":1280.51,"sentiment":"neutral","sentiment_score":0.13415366411209106}],"sentiment":"neutral","sentiment_score":0.13415366411209106,"channel":1,"num_words":1,"start":1280.01,"end":1280.51},{"sentences":[{"text":"it is actively managed, and that's about the 10% 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you","start":1290.855,"end":1291.1749,"sentiment":"neutral","sentiment_score":0.11938343197107315}],"sentiment":"neutral","sentiment_score":0.17517342906573724,"channel":0,"num_words":29,"start":1283.48,"end":1291.1749},{"sentences":[{"text":"Okay.","start":1291.105,"end":1291.605,"sentiment":"neutral","sentiment_score":0.10842657834291458}],"sentiment":"neutral","sentiment_score":0.10842657834291458,"channel":1,"num_words":1,"start":1291.105,"end":1291.605},{"sentences":[{"text":"wouldn't have the active management, but you'd be paying less in overall fees.","start":1291.1749,"end":1294.955,"sentiment":"neutral","sentiment_score":0.06126707477065233},{"text":"Or","start":1295.255,"end":1295.495,"sentiment":"neutral","sentiment_score":0.1340399831533432}],"sentiment":"neutral","sentiment_score":0.06646513965513025,"channel":0,"num_words":14,"start":1291.1749,"end":1295.495},{"sentences":[{"text":"Yep.","start":1295.265,"end":1295.765,"sentiment":"neutral","sentiment_score":0.14529916644096377}],"sentiment":"neutral","sentiment_score":0.14529916644096377,"channel":1,"num_words":1,"start":1295.265,"end":1295.765},{"sentences":[{"text":"you could look to just have it replaced with an active alternative and keep that active management within your super for something that's comparable in the Australian 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I","start":1690.3,"end":1691.1001,"sentiment":"neutral","sentiment_score":0.03588866516947746}],"sentiment":"neutral","sentiment_score":0.009584617636659565,"channel":0,"num_words":17,"start":1683.935,"end":1691.1001},{"sentences":[{"text":"Okay.","start":1691.0476,"end":1691.5476,"sentiment":"neutral","sentiment_score":0.051818206906318665}],"sentiment":"neutral","sentiment_score":0.051818206906318665,"channel":1,"num_words":1,"start":1691.0476,"end":1691.5476},{"sentences":[{"text":"believe with your fund, it's 8 as a minimum balance.","start":1691.1001,"end":1693.6001,"sentiment":"neutral","sentiment_score":0.05858283266425133},{"text":"And normally, we leave about 10 to 15 anyway in terms of, like, paying for those fees.","start":1694.78,"end":1699.5801,"sentiment":"neutral","sentiment_score":0.0222918623510529},{"text":"And each year, we have you under review and you sort of review where things are 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funds a little bit more consolidated to your your better performing sort of fund","start":1721.8999,"end":1726.86,"sentiment":"positive","sentiment_score":0.3764073195911589}],"sentiment":"positive","sentiment_score":0.3764073195911589,"channel":0,"num_words":21,"start":1721.8999,"end":1726.86},{"sentences":[{"text":"Mhmm.","start":1726.62,"end":1727.12,"sentiment":"neutral","sentiment_score":0.2061762511730194}],"sentiment":"neutral","sentiment_score":0.2061762511730194,"channel":1,"num_words":1,"start":1726.62,"end":1727.12},{"sentences":[{"text":"as 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ours?","start":1771.45,"end":1774.0299,"sentiment":"neutral","sentiment_score":-0.03418809920549393}],"sentiment":"neutral","sentiment_score":-0.00910906947683543,"channel":0,"num_words":16,"start":1768.6499,"end":1774.0299},{"sentences":[{"text":"No.","start":1774.405,"end":1774.725,"sentiment":"neutral","sentiment_score":-0.033662743866443634},{"text":"She's with a and p.","start":1774.725,"end":1775.925,"sentiment":"neutral","sentiment_score":-0.030407438427209853},{"text":"She's been there for ages.","start":1775.925,"end":1777.205,"sentiment":"neutral","sentiment_score":-0.027500447630882264},{"text":"So yep.","start":1777.205,"end":1778.025,"sentiment":"neutral","sentiment_score":0.004191174171864986}],"sentiment":"neutral","sentiment_score":-0.02421690967793648,"channel":1,"num_words":13,"start":1774.405,"end":1778.025},{"sentences":[{"text":"Not not a problem at all.","start":1778.49,"end":1779.45,"sentiment":"neutral","sentiment_score":0.08661346944669883},{"text":"I was just double checking because at the moment, they did have, like, a coupling fee going.","start":1779.45,"end":1784.0651,"sentiment":"neutral","sentiment_score":0.037169513128259606},{"text":"So I just wanna","start":1784.0651,"end":1784.7051,"sentiment":"neutral","sentiment_score":0.030491315759718418}],"sentiment":"neutral","sentiment_score":0.04716769640368444,"channel":0,"num_words":27,"start":1778.49,"end":1784.7051},{"sentences":[{"text":"Mhmm.","start":1784.67,"end":1785.17,"sentiment":"neutral","sentiment_score":0.04332686960697174}],"sentiment":"neutral","sentiment_score":0.04332686960697174,"channel":1,"num_words":1,"start":1784.67,"end":1785.17},{"sentences":[{"text":"make sure that that was applied if she was a a client or or looking to receive advice.","start":1784.7051,"end":1789.265,"sentiment":"neutral","sentiment_score":0.03679008885390229},{"text":"But if she's happy with her AMP, that's not a problem at","start":1789.265,"end":1791.265,"sentiment":"neutral","sentiment_score":0.07566588837653399}],"sentiment":"neutral","sentiment_score":0.05234040866295497,"channel":0,"num_words":30,"start":1784.7051,"end":1791.265},{"sentences":[{"text":"No.","start":1791.23,"end":1791.5499,"sentiment":"neutral","sentiment_score":0.0307414922863245}],"sentiment":"neutral","sentiment_score":0.0307414922863245,"channel":1,"num_words":1,"start":1791.23,"end":1791.5499},{"sentences":[{"text":"all.","start":1791.265,"end":1791.765,"sentiment":"neutral","sentiment_score":0.06572163850069046}],"sentiment":"neutral","sentiment_score":0.06572163850069046,"channel":0,"num_words":1,"start":1791.265,"end":1791.765},{"sentences":[{"text":"Yep.","start":1791.5499,"end":1792.0499,"sentiment":"neutral","sentiment_score":0.2067209929227829}],"sentiment":"neutral","sentiment_score":0.2067209929227829,"channel":1,"num_words":1,"start":1791.5499,"end":1792.0499},{"sentences":[{"text":"Brilliant.","start":1792.9451,"end":1793.4451,"sentiment":"positive","sentiment_score":0.39750003814697266},{"text":"If you've got no more questions for me there, Jane, you should receive the annual review pack shortly in terms of, like, your ongoing service agreement.","start":1793.665,"end":1801.7,"sentiment":"neutral","sentiment_score":0.13287522357243758},{"text":"Obviously, you can opt out of that at any time.","start":1801.9199,"end":1803.6,"sentiment":"neutral","sentiment_score":0.0023686423897743224},{"text":"So if it turns around in, you know, like, a few weeks there once you do get the advice update piece and the information regarding assurances that you're not too happy with this and wanna go your separate ways, you can always opt out.","start":1803.6,"end":1813.7549,"sentiment":"neutral","sentiment_score":-0.026718005918982355},{"text":"You'll receive your other documents here in regards to your COC and your performance report as well for you","start":1813.7549,"end":1818.3949,"sentiment":"neutral","sentiment_score":0.2451064712122867}],"sentiment":"neutral","sentiment_score":0.07357372967526317,"channel":0,"num_words":100,"start":1792.9451,"end":1818.3949},{"sentences":[{"text":"Okay.","start":1818.2899,"end":1818.615,"sentiment":"neutral","sentiment_score":0.16264237463474274}],"sentiment":"neutral","sentiment_score":0.16264237463474274,"channel":1,"num_words":1,"start":1818.2899,"end":1818.615},{"sentences":[{"text":"to have a a look at.","start":1818.3949,"end":1819.355,"sentiment":"neutral","sentiment_score":0.15283624082803726},{"text":"If you do have any other questions regarding that as well, I can even see if someone's available this afternoon to send that out to you.","start":1819.355,"end":1825.455,"sentiment":"neutral","sentiment_score":0.1216807786661845}],"sentiment":"neutral","sentiment_score":0.1275224278215319,"channel":0,"num_words":32,"start":1818.3949,"end":1825.455},{"sentences":[{"text":"No.","start":1825.735,"end":1826.215,"sentiment":"neutral","sentiment_score":-0.14873751997947693},{"text":"That's it.","start":1826.215,"end":1827.115,"sentiment":"neutral","sentiment_score":-0.1261642798781395}],"sentiment":"neutral","sentiment_score":-0.13368869324525198,"channel":1,"num_words":3,"start":1825.735,"end":1827.115},{"sentences":[{"text":"Yeah.","start":1827.5149,"end":1827.96,"sentiment":"neutral","sentiment_score":0.05335406959056854},{"text":"Feel free to to reach out.","start":1828.12,"end":1829.48,"sentiment":"neutral","sentiment_score":0.10451480870445569},{"text":"Otherwise, we'll get that on the the road, and then they'll send you that lawyer information booklet shortly as well.","start":1829.48,"end":1835.1799,"sentiment":"neutral","sentiment_score":0.10129752643406391}],"sentiment":"neutral","sentiment_score":0.10023679446291041,"channel":0,"num_words":27,"start":1827.5149,"end":1835.1799},{"sentences":[{"text":"Okay.","start":1835.43,"end":1835.93,"sentiment":"neutral","sentiment_score":0.23584619164466855}],"sentiment":"neutral","sentiment_score":0.23584619164466855,"channel":1,"num_words":1,"start":1835.43,"end":1835.93},{"sentences":[{"text":"No problem.","start":1837.0,"end":1837.6599,"sentiment":"positive","sentiment_score":0.42340581119060516},{"text":"Other than that there, Jane, you enjoy the rest of your afternoon, and I'll be speaking with you at Thursday there at 5PM.","start":1838.6,"end":1844.795,"sentiment":"positive","sentiment_score":0.4700344373350558}],"sentiment":"positive","sentiment_score":0.4663041472434998,"channel":0,"num_words":25,"start":1837.0,"end":1844.795},{"sentences":[{"text":"Too easy.","start":1845.19,"end":1845.83,"sentiment":"positive","sentiment_score":0.4958443343639374},{"text":"Thanks for that call.","start":1845.83,"end":1846.89,"sentiment":"positive","sentiment_score":0.7405686229467392}],"sentiment":"positive","sentiment_score":0.6589938600858053,"channel":1,"num_words":6,"start":1845.19,"end":1846.89},{"sentences":[{"text":"Not a problem at all, Jane.","start":1847.175,"end":1848.215,"sentiment":"positive","sentiment_score":0.47969745099544525},{"text":"Thanks for your time.","start":1848.215,"end":1848.775,"sentiment":"positive","sentiment_score":0.7682788968086243},{"text":"Hope I answered","start":1848.775,"end":1849.335,"sentiment":"positive","sentiment_score":0.4377962350845337}],"sentiment":"positive","sentiment_score":0.5588222306508285,"channel":0,"num_words":13,"start":1847.175,"end":1849.335},{"sentences":[{"text":"Okay","start":1849.2909,"end":1849.531,"sentiment":"positive","sentiment_score":0.3464440107345581}],"sentiment":"positive","sentiment_score":0.3464440107345581,"channel":1,"num_words":1,"start":1849.2909,"end":1849.531},{"sentences":[{"text":"all your","start":1849.335,"end":1849.735,"sentiment":"neutral","sentiment_score":0.2876613289117813}],"sentiment":"neutral","sentiment_score":0.2876613289117813,"channel":0,"num_words":2,"start":1849.335,"end":1849.735},{"sentences":[{"text":"then.","start":1849.531,"end":1850.031,"sentiment":"neutral","sentiment_score":0.20789168775081637}],"sentiment":"neutral","sentiment_score":0.20789168775081637,"channel":1,"num_words":1,"start":1849.531,"end":1850.031},{"sentences":[{"text":"your questions this afternoon.","start":1849.735,"end":1850.875,"sentiment":"neutral","sentiment_score":0.27600298821926117}],"sentiment":"neutral","sentiment_score":0.27600298821926117,"channel":0,"num_words":4,"start":1849.735,"end":1850.875},{"sentences":[{"text":"Yes.","start":1851.0509,"end":1851.2909,"sentiment":"neutral","sentiment_score":0.31059443950653076},{"text":"You did.","start":1851.2909,"end":1851.771,"sentiment":"positive","sentiment_score":0.5853361189365387},{"text":"Thank you very much.","start":1851.771,"end":1852.9109,"sentiment":"positive","sentiment_score":0.8105184435844421}],"sentiment":"positive","sentiment_score":0.6747629216739109,"channel":1,"num_words":7,"start":1851.0509,"end":1852.9109},{"sentences":[{"text":"No problem at all.","start":1853.255,"end":1854.0549,"sentiment":"positive","sentiment_score":0.5077598765492439},{"text":"Thanks now.","start":1854.0549,"end":1854.775,"sentiment":"positive","sentiment_score":0.6481144428253174},{"text":"Bye.","start":1854.775,"end":1855.275,"sentiment":"positive","sentiment_score":0.383276879787445}],"sentiment":"positive","sentiment_score":0.530077895947865,"channel":0,"num_words":7,"start":1853.255,"end":1855.275},{"sentences":[{"text":"Alright.","start":1854.8109,"end":1855.2109,"sentiment":"neutral","sentiment_score":0.2562252879142761},{"text":"Bye.","start":1855.2109,"end":1855.7109,"sentiment":"neutral","sentiment_score":-0.10708464682102203}],"sentiment":"neutral","sentiment_score":0.07457032054662704,"channel":1,"num_words":2,"start":1854.8109,"end":1855.7109}]},"summary":{"result":"success","short":"Representatives from OPU Financial and insurance company discuss the customer's risk mitigation options and financial information, including personal and financial information, employment history, income, savings, and retirement plans. They also discuss the customer's risk tolerance and retirement plans, as well as potential income loss and the possibility of reducing risk through reducing investment. The speaker suggests replacing Benel bonds with an active alternative and provides information on fees and insurance. They also discuss the customer's risk profile and retirement plans, as well as scheduling a pre assessment and providing a lawyer information booklet."},"intents":{"segments":[{"text":"I just scheduled in for a bit of a follow-up conversation.","start_word":23,"end_word":33,"intents":[{"intent":"Schedule follow-up conversation","confidence_score":0.22671562}]},{"text":"Now within regards to that one, obviously, insurances do get more expensive, though. You do get older as well, and you don't have a huge amount of debt currently given Mhmm. that you've only got a little bit left on the house. No. So Yep.","start_word":452,"end_word":496,"intents":[{"intent":"Discuss cost of insurance coverage","confidence_score":0.007781454}]},{"text":"In in saying that, I'll run over everything else as well. So I'll confirm all your details and make sure everything is up to date there. She said the email is up to date and the, sorry, the address. But the email is at wikileaks64@gmail.com? Yes. It is. Perfect.","start_word":772,"end_word":820,"intents":[{"intent":"Confirm details","confidence_score":0.42342946}]},{"text":"She said the email is up to date and the, sorry, the address. But the email is at wikileaks64@gmail.com? Yes.","start_word":798,"end_word":817,"intents":[{"intent":"Update information","confidence_score":0.3678933}]},{"text":"then in regards to dependents, I have you have one dependent. Is that still the case?","start_word":885,"end_word":900,"intents":[{"intent":"Update dependents","confidence_score":0.038766786}]},{"text":"Now that's not to say that cover wouldn't be available. It just mean that it might be more expensive.","start_word":974,"end_word":992,"intents":[{"intent":"Communicate cost","confidence_score":0.0028420556}]},{"text":"And then as far as your role and what you're you're doing at the moment there, Jane, are you, like, on the forklift, like, the whole whole day? Does it make up majority of your role, or are you in the office at all? No.","start_word":1075,"end_word":1119,"intents":[{"intent":"Assess forklift performance and role roles","confidence_score":1.0251026e-8}]},{"text":"And as far as the employment status, are you full time at the moment? Yes. I am.","start_word":1430,"end_word":1446,"intents":[{"intent":"Evaluate employment status","confidence_score":0.031257257}]},{"text":"And now as far as the the goals go, I know you were looking at just, you know, enjoying a bit of family time and and travel and things like that and going to New Zealand in the the shorter term. Is that sort of eventuated? Have you got away with the family trip? Or Yes and no. But we won't be going back to New Zealand anytime soon because they passed away. So yeah.","start_word":2407,"end_word":2481,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.026831651}]},{"text":"I believe there's some insured. Let me just double check what it actually comes to. It is the one twenty, so you might be a little bit over insured in terms of, like, the yearly amount Yep. and what you could claim on. Yep.","start_word":2966,"end_word":3009,"intents":[{"intent":"Analyze insurance premiums","confidence_score":0.00038676866}]},{"text":"The Yep.","start_word":3184,"end_word":3185,"intents":[{"intent":"Discuss insurance coverage options","confidence_score":0.014050144}]},{"text":"we could look to just replace that 10% with a a more passive index side of things, which would mimic sort of the rest of your portfolio. And you Okay.","start_word":3999,"end_word":4028,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.13759217}]},{"text":"The rest of your portfolio is tracked quite well and is still, like, performing quite well. There Yeah. is an option just to review the entire portfolio, but given that apart from those assets that I spoke about there, it's actually largely doing quite well in terms of, like, No. the return Leave it it the is. way it is and find a different active one. Yep.","start_word":4236,"end_word":4302,"intents":[{"intent":"Update portfolio","confidence_score":0.012681601}]},{"text":"And then if your portfolio was to have, like, a 20% decrease in value just from, like, an investing side of things, Do you reckon that would make you wanna sell out, or do you reckon you'd potentially just hold and wait, given, you I'll know, hold how and wait much because shit happens. Yep. yeah.","start_word":4681,"end_word":4736,"intents":[{"intent":"Evaluate investment portfolio","confidence_score":0.0066381907}]},{"text":"And with borrowed money, I know you own your own property there, but, like, if circumstances are different, would you ever risk borrowed money into things like properties, shares, anything riskier than, like, current home loan? Or I wouldn't see the need to, really. yeah.","start_word":4826,"end_word":4870,"intents":[{"intent":"Discuss investment options","confidence_score":0.05200552}]},{"text":"Obviously, if you've got a bit of time, we can run through that pre assessment now, or I can get you booked in with one of my colleagues to run through Yeah.","start_word":5153,"end_word":5184,"intents":[{"intent":"Book appointment","confidence_score":0.24147278}]},{"text":"We can look at reducing that IP, which will save you a little bit of money.","start_word":5261,"end_word":5276,"intents":[{"intent":"Reduce ip","confidence_score":0.7118577}]},{"text":"four to consolidate the balance a little bit as well.","start_word":5318,"end_word":5327,"intents":[{"intent":"Consolidate account","confidence_score":0.036131825},{"intent":"Consolidate balance","confidence_score":0.05353594}]},{"text":"have to be mindful that we do have to keep a bit of an eye on that given the fact Yep. that you're not contributing to that fund, or we could look at moving the contributions back and just reviewing it a little bit more regularly, if that makes sense. Yeah.","start_word":5331,"end_word":5381,"intents":[{"intent":"Keep an eye on","confidence_score":0.011173107}]},{"text":"Because there still has to be that pocket there for the fees of all the insurances. Yeah.","start_word":5383,"end_word":5399,"intents":[{"intent":"Review fees","confidence_score":0.11169378}]},{"text":"But is there anything else that you wanna have a chat about before I look to to book you in for your pre assessment there at all, Jane?","start_word":5566,"end_word":5593,"intents":[{"intent":"Schedule pre assessment","confidence_score":0.12372654}]}]},"sentiments":{"segments":[{"text":"Hello. Dan speaking. Good afternoon, Jane. It's Carl calling from OPU Financial. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1975416839122772},{"text":"I'm good. Thank you. Good to hear.","start_word":16,"end_word":22,"sentiment":"positive","sentiment_score":0.5419787764549255},{"text":"I just scheduled in for a bit of a follow-up conversation. If now Yes, is still a please. good time for you? Yeah.","start_word":23,"end_word":45,"sentiment":"neutral","sentiment_score":0.1322333812713623},{"text":"Brilliant.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.4699081778526306},{"text":"Yep. If I could just pass you through security, just that name, date of birth, and current address, we can get stuck into that one today. Yep. It's Jane Michelle Keesley. Date of birth, thirty seven nine seventy five, and I'm at 16 Taylor Street in Bairnsdale, Victoria.","start_word":47,"end_word":94,"sentiment":"neutral","sentiment_score":0.1044652909040451},{"text":"Brilliant. Thank you for that one.","start_word":95,"end_word":100,"sentiment":"positive","sentiment_score":0.5070130825042725},{"text":"I'll just let you know these calls are recorded for training quality purposes there. Yep. Now I know previously, I believe you had a conversation with my colleague, Severiano, Sebi, in regards to your annual review, but I believe it was quite brief, and that was meant to be a follow-up conversation that didn't occur. So Yes. I'm happy to run through, like, the call just as, like, and do your, like, any review sort of from scratch if you're you're Yep. happy with that. Yeah. Yes, please. Not a not a problem at all. So within regards to that one, Jane, did you have any questions specifically that you want answered before we jump into everything? Or Well, it's mainly in the last chap, I I think it was Jacob I spoke to before about yep. the insurances and stuff, but it didn't seem like it was enough because it was only 70 for death and total incapacitation with Brighter, but there was nothing with you guys. So yeah. Yeah. No. Completely understandable. So I believe when you originally first came on board that you had an undiagnosed mass on your left lung that you were seeking doctors Yep. reports from and follow ups for that, and you're on a waiting list to get it potentially fixed. Now have you finalized all of that? Like, has that been Yeah. removed? Well, it ended up being nothing. It was just a shadow. So yeah.","start_word":101,"end_word":344,"sentiment":"neutral","sentiment_score":0.0012660068459808826},{"text":"Yep. Perfect.","start_word":345,"end_word":346,"sentiment":"positive","sentiment_score":0.5653889179229736},{"text":"So with that one, obviously, at the time when you came on board due to that, when you undergo, like, any sort of, like, medical appointments, even if it's just a general checkup, they won't actually touch, like, retail cover until the point where you've, like, had your checkups and got cleared or diagnosed with any sort of thing. Yep. So given that it was just a shadow, we can definitely have a look and see what a retail policy may cost and may look like now Yep. given that you don't have, like, that ongoing issue from, like, obviously, just being a shadow. Yep. Now within regards to that one, obviously, insurances do get more expensive, though. You do get older as well, and you don't have a huge amount of debt currently given Mhmm. that you've only got a little bit left on the house. No. So Yep. we can definitely just have a look at sort of a base amount, what that sort of looks like in regards to that. And then like you said, you do have the brighter super cover as well. Now, obviously, with that one, like you said, it's not to your needs currently.","start_word":347,"end_word":547,"sentiment":"neutral","sentiment_score":-0.02862922102212906},{"text":"You're probably a little bit under insured in terms of you did wanna cover, like, for the full debt.","start_word":548,"end_word":566,"sentiment":"negative","sentiment_score":-0.3577583432197571},{"text":"Yep. But in saying that as well, if you like, your partner obviously does earn an income and things like that as well, you do have your superannuation balance that offsets that. If anything did sort of occur, like, you were totally permanently disabled, you can make a claim Yep. against your super as well, which could be used for those debts. As far as, like, living past that, you would potentially have to rely on things like government assistance programs and things like that. Yep. Yep. But it also depends on just how much you wanna sort of spend in terms of, like, paying for that risk mitigation, if that makes sense. Yep.","start_word":567,"end_word":680,"sentiment":"neutral","sentiment_score":-0.025768239051103592},{"text":"Perfect.","start_word":681,"end_word":681,"sentiment":"positive","sentiment_score":0.5295599699020386},{"text":"Now with that one there, Jane, so to look at retail cover, we generally have to go through what we call a pre assessment process where we run through some bit questions about your occupation, just general lifestyle, some medical history for yourself, and then also some family history, if that makes sense. Yep. Now I can do that at the end of this phone call. I can get you booked in with a colleague after we run through everything else depending on how much time you've got left. Okay. In in saying that, I'll run over everything else as well. So I'll confirm all your details and make sure everything is up to date there. She said the email is up to date and the, sorry, the address. But the email is at wikileaks64@gmail.com? Yes. It is.","start_word":682,"end_word":819,"sentiment":"neutral","sentiment_score":0.09376417845487596},{"text":"Perfect. Brilliant.","start_word":820,"end_word":821,"sentiment":"positive","sentiment_score":0.5606259107589722},{"text":"And still currently married? I know I mentioned it before, but still currently married? Yeah. Yep. Perfect. And then in regards to next to kin, I've got Beverly Cooper down. Is that still accurate and up to date? Yep. Perfect. And the relation to Beverly, is that your partner or mother or Wash. Yep. wife? Yep. Not a problem at all. And Yep. then in regards to dependents, I have you have one dependent. Is that still the case? Yep. Perfect. And as far as your your your patient there, Jane, now are you still, like, an electrical store person? No. I'm a forklift operator at Bunnings. I think I'll just update there. Now in regards to that as well, I do know that forklift driving is considered, like, hazardous just due Mhmm. to the nature of, like, going around on a forklift and the the job that it does entail. Yep. Now that's not to say that cover wouldn't be available. It just mean that it might be more expensive. So it's definitely Mhmm. something that we'll still double check. Once this sort of pre assessments come back, we send them off to the insurers blindly. It doesn't have your full details. They don't know it's actually specifically you, Yep. and they just give us an idea of what cover they're willing to offer and at what prices. And I can even give you a callback once that comes back and have a general conversation around that as well.","start_word":822,"end_word":1071,"sentiment":"neutral","sentiment_score":-0.031713340520858765},{"text":"Yeah. Cool. Perfect.","start_word":1072,"end_word":1074,"sentiment":"positive","sentiment_score":0.6620106101036072},{"text":"And then as far as your role and what you're you're doing at the moment there, Jane, are you, like, on the forklift, like, the whole whole day? Does it make up majority of your role, or are you in the office at all? No. I'm not in an office. I'm unloading trucks out the back on the goods inward. So it's probably five out of eight hours. Yep. And then with that, are you entering the trucks, or does it get put to the back of the trucks and then your So I just drive to the side of the semi and pull the pallets off the semi. like, side loaded ones where Yeah. they just pull the yeah. Okay. Yep. Yep. They pull the curtain back and I just unload it. Yeah. And as far as any other jobs or roles that you're doing at the moment, was that sort of your main role? Do you do any other sort of things there at the moment? Just pulling pellets apart and putting in on roll cages. That's it.","start_word":1075,"end_word":1254,"sentiment":"neutral","sentiment_score":0.0008705295622348785},{"text":"Perfect.","start_word":1255,"end_word":1255,"sentiment":"positive","sentiment_score":0.385244756937027},{"text":"And then as far as any other tickets, I know you've got your forklift license, obviously, but anything else that you've gotten in the since we last sort of spoke No. regarding that? Yep. No. That's fine. And then in regards to the job at Bunnings, how long have you been doing that work specifically? Is it just been the past Yeah. So I'm coming up to my one year anniversary on actually, it's past. It's the July. year? Well, congratulations Oh, no. on 07/08 the the January. seven eighth of next month. That's Oh, right. seventeenth. March. So Yeah. So so it's very, coming. very close Yep. indeed. And then industry wise, like, operating forklifts, it's probably around the 14 mark. Fourteen what? Years, like, in the like, operating forklifts in the similar sort of roles and, like, that sort Oh, of I've been a forklift operator for over twenty five years. Yeah. Yep. Long things? Okay. That must just been fourteen years at the previous time. employer. Yeah. Yep. Yeah. Okay.","start_word":1256,"end_word":1428,"sentiment":"neutral","sentiment_score":0.008872000721277874},{"text":"Perfect.","start_word":1429,"end_word":1429,"sentiment":"positive","sentiment_score":0.5156351327896118},{"text":"And as far as the employment status, are you full time at the moment? Yes. I am. Yep. Is it just like the thirty eight hour week or a little Yeah. bit of overtime? Thirty eight. Yep. Yeah. No problem. And do you know roughly what your annual salary is there at the moment? No idea. Yep. No. That's that's okay. Would it I had your last salary around, like, the 93 mark. Would it be similar Yep. to that one? No. Not nowhere near. Probably looking at maybe 70. Yep. And then in regards to your savings and expenditure at the moment, I had you sort of roughly putting away a $100 a week and then your expenditures around the 600. Is that sort of similar? Are you, like, saving a bit less now with the income decrease? Or It's basically the same. So yeah. Yep. Not a problem at all. And then within regards to, like, salary sacrifice or any concessional contributions are you doing anything else at the moment? No. Yep. Not a problem. And you don't plan on sort of doing anything like that in the the short term? No. Perfect. And do you know roughly if you just get the 12% for your employee pay contributions or you're not too sure? I'm not too sure, actually. No. That's perfectly fine. And then you don't have an EBA with Bunnings Yes. There at is. all? Yep. There is? Yep. Yep. Do you know specifically what's in that EBA if, like, that affects your superannuation or contributions or anything? No. I No. don't know. But Do there is you an know EBA. do you know the the name potentially or Oh, the EBA? Is it just like a Bunnings EBA, or is it like a different yeah. group that holds it? No. It's just Bunnings. We are under West Farmers, but, yeah, it's just the Bunnings EBA. You can get it on Google. Yeah. We do have an EBA lookup, but sometimes it's under, like, parent companies and things like that. But if it's just the general Bunnings, like, Yeah. Queensland It's just one, Bunnings. we should Victoria now. I'm not in Queensland. yeah. Sorry. Yep. I I Yep. just off the back of my head, we live in Queensland, so Yeah. we don't I wanna know. call today. Sorry. So and then details in regards to your assets and liabilities there. So we had $1.20 owing on the house the last time we spoke and about $5.50 in asset value. Now is that roughly the same? Is it Mhmm. going Yeah. up a little bit in value, or is it No. Same. Yep. yep. No problem. And then I have two cars here, one worth the 15,000 and then the Holden worth 40. Yep. Still they're still the same? Yep.","start_word":1430,"end_word":1903,"sentiment":"neutral","sentiment_score":-0.014226030220399428},{"text":"Perfect.","start_word":1904,"end_word":1904,"sentiment":"positive","sentiment_score":0.34384480118751526},{"text":"And do you have any other assets or or liabilities that I haven't sort of mentioned there? Not that I can think of. No. Do you have a little bit of a a savings rainy day fund as well on the side or Yeah. I've got about $10 in that.","start_word":1905,"end_word":1954,"sentiment":"neutral","sentiment_score":0.013050271198153496},{"text":"perfect.","start_word":1955,"end_word":1955,"sentiment":"positive","sentiment_score":0.518423318862915},{"text":"I'll just jot that down. Yep. And then in regards to your health wise, I know you were taking medication for your thyroid, but are you taking any other medications currently? No. Still just the thyroid. That's a lifelong thing. No problem. And then any other sort of medical trips to the hospital or anything like that since you've had the the lung testing? No. Everything's cool. Right. And do you currently hold private health cover at the moment there, Jane? Only extras. Yep.","start_word":1956,"end_word":2039,"sentiment":"neutral","sentiment_score":0.027260800823569294},{"text":"Great.","start_word":2040,"end_word":2040,"sentiment":"positive","sentiment_score":0.4842824339866638},{"text":"And I know you didn't have a will the last time we spoke. Have you managed to get around to doing up a will with your partner or No. I know no. we need to. But yeah. Yeah. No. It's it's one of those things. It's like your people don't need them till they need them. Yeah.","start_word":2041,"end_word":2097,"sentiment":"neutral","sentiment_score":-0.055467426776885986},{"text":"It's definitely Yep. it's definitely important, especially, you know, having your partner and children and things like that as Yep.","start_word":2098,"end_word":2117,"sentiment":"positive","sentiment_score":0.354372501373291},{"text":"well. You can do them jointly. We can send through some lawyer information to, like, a general lawyer that we've sort of worked with in the the past. They have a little information pamphlet and Mhmm. just give you some general pricing. In addition to that one as well, you can do, like, your post office wheels. They're not the most Yep. ironclad things, but it is at least something on paper, and it doesn't Yep. leave people guessing if you only wanna spend, like, you know, the 50 to $100 sort of thing to get one sort of set up if you follow Yep. the instructions. Otherwise, it's, like, I think it's around roughly estimate, like, a $300 potentially for single or, you know, upwards of the 600 per joints and things like that depending on your solicitor that you use. Okay. But we can also just send you that information for you to have a look at. It's no obligation to use their services or not. Yep. Just gives You might you as a well send little it bit through. of Yep. reading material.","start_word":2118,"end_word":2303,"sentiment":"neutral","sentiment_score":0.12735876441001892},{"text":"Perfect.","start_word":2304,"end_word":2304,"sentiment":"positive","sentiment_score":0.5717225670814514},{"text":"And then this one's a bit of a weird one, but it's just an updated one on the the fact find there. But don't have any family or yourself? You're not involved in any sort of politics at all? No. Yes. I know. I know. It sounds like a little bit of a weird one, but it's like to do with, like, anti money laundering legislation, things like Yeah. that. No. Just yeah. No problem. And for yourself, you're not earning an income anywhere outside Australia or able to earn an income outside Australia, not a tax resident anywhere else? No. Right. And now as far as the the goals go, I know you were looking at just, you know, enjoying a bit of family time and and travel and things like that and going to New Zealand in the the shorter term. Is that sort of eventuated? Have you got away with the family trip? Or Yes and no. But we won't be going back to New Zealand anytime soon because they passed away. So yeah. No. No.","start_word":2305,"end_word":2483,"sentiment":"neutral","sentiment_score":0.041590994473692425},{"text":"That is unfortunate there.","start_word":2484,"end_word":2487,"sentiment":"negative","sentiment_score":-0.4941360652446747},{"text":"Lucky you did get across before they went Yeah. or Yep. Yeah. Yep.","start_word":2488,"end_word":2500,"sentiment":"neutral","sentiment_score":0.03423821181058884},{"text":"That that's nice at least.","start_word":2501,"end_word":2505,"sentiment":"positive","sentiment_score":0.33936890959739685},{"text":"Sorry to hear that though. But in the the short term now, is there anything that you're sort of working towards? Well, I'm still hoping to retire around 60, but, yeah, I don't know whether that's gonna be possible, but I'm trying. Yeah. And, look, you do have quite, like, a healthy balance already Yep. in regards to your superannuation. Obviously, you know, cutting back a little bit on the the income there reduces the contributions a little bit, but it is still tracking quite nicely in terms of, like, the growth you are getting out of your superannuation Mhmm. Yep. since you've been on board. I will go over that in a little bit there as well. Yep. But no sort of looking towards family trips. You're mainly just looking at paying down the mortgage you do have. Let me So we're gonna try at 60. And then in regards to your insurance, Yeah. Sam, and just making sure you're protected, is it mainly just covering for the debt of the the residents? Or Yeah. Yep. So an extra, I don't know, $40 or whatever would be good. yep. And have you had a thought about, like, income replacement and what that might look like if you were unable to to work and then the cost of that? No. Because because with that, like, generally with partners and having children, you sort of look to maybe sort of seven to ten years, like, order income replacement. Is that's, like, something you did wanna cover for for, like, full risk mitigation in the event that you were incapacitated and unable to work. So, obviously, there's still costs that come with that. Now you obviously can still rely on things like whatever the you can get from the government through, like, NDR support programs and things like that and settlement. Yep. But if you're unable to earn an income and you're still there sort of thing, you potentially still care for the child but unable to to earn a living, bills still come out. And Yep. then that way, you can cover for that. So we given the price and, like, the costing, would you maybe wanna look at sort of, like, a little bit more just in the event that something did happen and maybe sort of look closely to replacing income for a few years even just on top if you are looking to have a policy, the external? Yeah. Well, I've got income protection with Bryta, but I'm not sure how long that goes for, whether it's just twelve months or I think it's the standard twelve months. Yes. I believe with that one, it's a fourteen day waiting period and two year benefit period, but the Yeah. I believe there's some insured. Let me just double check what it actually comes to. It is the one twenty, so you might be a little bit over insured in terms of, like, the yearly amount Yep. and what you could claim on. Yep. So we could potentially look at reducing that down a little bit as well because that Yep. does come out at a higher cost Mhmm. down to your current income. Do you plan on potentially looking at another job? No. This Yes. is it. Yep. Because with that, you can only claim up to 70% of your, like, current income. And given Yep. that it's dropped down quite significantly, we can look at Mhmm.","start_word":2506,"end_word":3083,"sentiment":"neutral","sentiment_score":0.00018985657130970676},{"text":"potentially reducing that down a little bit to, like, a more claimable amount, which will help with the the cost of that one.","start_word":3084,"end_word":3106,"sentiment":"positive","sentiment_score":0.46232178807258606},{"text":"Yep. Now the way retail insurance work as well is that you potentially end up with, like, exclusions and loadings for, like, health conditions that already preexist. Whereas because you've had the brightest super account quite some time, those conditions could predate the fund itself. And if you've had the fund long enough, sometimes it doesn't matter if they predate the fund or not that you potentially could be covered for them with those group insurances. Okay. The Yep. way retail cover works is that it's underwritten at the time of application. So they find out everything about your health and exclude everything that's already existing, and Yep. then you wouldn't be able to claim on those. Not to Yep. say that we can't bump up the life and TPD and have, like, a separate policy just to make sure you're fully insured. Mhmm. But there's a good chance that we might be retaining that cover anyway just in the event that anything did happen because you don't carry or wouldn't carry those exclusions, if that makes sense. Yep.","start_word":3107,"end_word":3285,"sentiment":"neutral","sentiment_score":0.0424480177462101},{"text":"Perfect.","start_word":3286,"end_word":3286,"sentiment":"positive","sentiment_score":0.5125903487205505},{"text":"Alright. Just sorry. Just talking back to the questions there. So, yeah, we'll have a look and see what that pricing looks like, and then we'll come back and have a bit of a conversation, see what you wanna cover for, and potentially sorta how much. Sometimes it can be cheaper in lots of, like, higher amounts given Yep. that you've already got the the policy there. Like, it can be an extra sort of $102,100 dollars a year to have, like, a few 100,000 versus, you know, having, like, the the 50, if Yeah. that makes sense. Yep. But we'll have a play around with that as well. And then in regards to your superannuation, I'm not too sure if they went over it with you. I know you haven't been sent your annual review pack, but you should receive that shortly in terms of, like, the returns with that. Now Okay. your your superannuation was doing really quite well before the end of last year, but then Yep.","start_word":3287,"end_word":3456,"sentiment":"neutral","sentiment_score":0.06967788036255275},{"text":"Benelong, the active managed portion in that fund, has taken a little bit of a dive purely because of an underlying investment that they did have. And because that is a 10<unk> waiting in your fund, it has caused a bit of a negative impact.","start_word":3457,"end_word":3502,"sentiment":"negative","sentiment_score":-0.5487679839134216},{"text":"Yep. And then with the AI stuff that occurred at the start of this year, the hack cyber side of your portfolio has taken a bit of a dive as well. Mhmm. Now in terms of, like, a return overall, you still got 8.96% after fees in terms Yep. of return. So still quite a good return out of the superannuation even with those two assets that took a bit of a backwards turn. Yep. Now in regards to the active portion of Benelong there, because it was an underlying asset and it wasn't like an equity, like, issue within, like, the Australian market, we would potentially be looking to remove the Benelong as an update from your portfolio. Because Yep. you're in one of the the newer portfolios anyway. It's the rest of portfolio, even the the hack side of the side of things that did take a little bit of a backward step, they still have, like, long term investment faith in that one or conviction that it will still do well over the long term. The been long, not so much anymore. As an investment committee, they're moving away from that. Mhmm. Now we can look at just replacing that with an active alternative because it is a managed fund. That means that that fund manager tries to outperform the market, and it costs a little bit more to have that active management to try and do better than what the market's doing. Or Yep. we can just look to do a more passive option and put it in an index fund much like the rest of your fund where it's a bit lower cost. It just tracks an index within Australia.","start_word":3503,"end_word":3787,"sentiment":"neutral","sentiment_score":-0.0428304597735405},{"text":"It'd be around, like, the top 200 companies in Australia, and it just tracks that index at a a lower price as a replacement option for that Benelon, if that makes sense.","start_word":3787,"end_word":3818,"sentiment":"positive","sentiment_score":0.33843284845352173},{"text":"Okay. So how much extra for the active? As a cost wise, it'd be hard to say because it's based on balance and how much is actually, like, invested in it. Okay. Generally, like, as a a cost basis, it works out to be, like, a point 5% cost for, like, the investment invested in it versus, Mhmm. like, the the passive portion, which can be much lower sort of about, like, the half of that sort of thing. But Okay.","start_word":3819,"end_word":3899,"sentiment":"neutral","sentiment_score":0.068846195936203},{"text":"as I said, one just tracks the index while the other one actively tries to outperform it.","start_word":3900,"end_word":3916,"sentiment":"positive","sentiment_score":0.3846674859523773},{"text":"So you're basically paying for the fund manager to try and, you know, do some buys and sells and find some value in some stocks and companies that can potentially perform better than what they like, industry or area, which is like Australia there, would be doing on average. Alright. So what am I in now? Benelongs, the active portion. So it's a Benelongs and Australian equities fund, and Okay. it is actively managed, and that's about the 10% mark. So Yep. we could look to just replace that 10% with a a more passive index side of things, which would mimic sort of the rest of your portfolio. And you Okay. wouldn't have the active management, but you'd be paying less in overall fees. Or Yep. you could look to just have it replaced with an active alternative and keep that active management within your super for something that's comparable in the Australian market. Alright. Shit. Well, I suppose now I'm getting older. To go passive, it'd probably be a better idea. Yeah. Look. In terms of, like, age and time horizon, even if you still wanna, you know, could retire at the age of 60, you're still a bit of a spring ticking. You've got a fair way to go yet. That Yep. ten years is still quite a way away. So you could Yep. still look to maintain an active portion, and it wouldn't be sort of an issue. As I said, it is, like, 10% of the portfolio. So not to say it's insignificant, but not to say Yep.","start_word":3917,"end_word":4179,"sentiment":"neutral","sentiment_score":0.0935676590798019},{"text":"that it's, like, it's detrimental if it does have something like did occur, like, to do, you know, over 8% still as a return even with one of those doing quite poorly and then the other one doing a little bit bad.","start_word":4180,"end_word":4221,"sentiment":"negative","sentiment_score":-0.34701624512672424},{"text":"So that's two negative performers in your portfolio, but still quite Yeah. good. Yeah.","start_word":4222,"end_word":4235,"sentiment":"neutral","sentiment_score":-0.11020705848932266},{"text":"The rest of your portfolio is tracked quite well and is still, like, performing quite well.","start_word":4236,"end_word":4251,"sentiment":"positive","sentiment_score":0.38518837094306946},{"text":"There Yeah. is an option just to review the entire portfolio, but given that apart from those assets that I spoke about there, it's actually largely doing quite well in terms of, like, No. the return Leave it it the is. way it is and find a different active one. Yep. Yep. Please.","start_word":4252,"end_word":4304,"sentiment":"neutral","sentiment_score":0.02211073786020279},{"text":"Perfect.","start_word":4305,"end_word":4305,"sentiment":"positive","sentiment_score":0.34940993785858154},{"text":"Yep. No. No. That's perfectly fine. Obviously, we could potentially leave it and sort of try and ride it out. But given what that just did occur, given that it was sort of you know, if the fund manager was probably paying a bit more attention, he might likely not have occurred. It's not to say that it's like the Australian market's doing bad at the moment. It's Yep. just Yeah. that fund that really isn't doing too well. Yep. Yep. So it's a it's a little bit of a sell low, buy high kind of scenario, but in Yep. saying that, you know, if a horse is dead, you you gotta stop blogging it at some point. So No. All good. perfect. So that's everything in regards to those updates there. I will just run through a quick risk profile with you, Dendane, and just make sure that it does line up. As you said, you you know, you are getting a little bit older, so your risk tolerance may change a little bit. So Yep.","start_word":4306,"end_word":4482,"sentiment":"neutral","sentiment_score":-0.1005847305059433},{"text":"we can just run through those few questions, make sure you're happy with everything, and then the the allocation that you currently hold within that.","start_word":4483,"end_word":4507,"sentiment":"positive","sentiment_score":0.36604857444763184},{"text":"Because, obviously, you know, like you said, you do get closer to time, you generally wanna look at sort of reducing risk, but you do Yep. have that time horizon on your side to to maintain that high growth at least even for the next sort of seven to eight years and look at winding it Yep. down closer to retirement there. Yep. But have you had, like, investment or direct shares previously for yourself? Or No. It's just been this super stuff. yeah. Just the the managed phone within? No. That's perfectly fine. And then in terms of, like, taking on risk, do you consider yourself a little bit of a risk taker? Like, would you say that you wanna take on, like, a little bit of risk to try and outpace Yeah. inflation in the markets and get a little bit of a high return while you're still working? Yep. And would you say that's, like, sort of the the moderate to high, not, like, crazy high? Yeah. Moderate. Yeah. Yeah. And then if your portfolio was to have, like, a 20% decrease in value just from, like, an investing side of things, Do you reckon that would make you wanna sell out, or do you reckon you'd potentially just hold and wait, given, you I'll know, hold how and wait much because shit happens. Yep.","start_word":4508,"end_word":4735,"sentiment":"neutral","sentiment_score":0.007883354090154171},{"text":"yeah. Brilliant.","start_word":4736,"end_word":4737,"sentiment":"positive","sentiment_score":0.477821946144104},{"text":"And if in regards to returns, if you're getting, like, six to 8% in terms of, like, an after fee return, would you be quite happy with that year on Yep. year? Yep. Yeah. Right. And with, like, in regards to COVID where, you know, there was a bit of a a dip in the market and everything went backwards there, were you looking at your super? Did that make you a little bit cautious at all? Or No. Because it always bounces back. yeah. No worries. And with borrowed money, I know you own your own property there, but, like, if circumstances are different, would you ever risk borrowed money into things like properties, shares, anything riskier than, like, current home loan? Or I wouldn't see the need to, really. yeah. No. Completely Yeah. understandable. Yeah. So that does bring out as a growth investment, which is a little bit below the high growth side of things, Mhmm. which is around that 8010 split, which is high growth is at 9010 sort of split from growth Yep. to defensive assets. Like I said, you still got time on your side to be able to have that little bit more of an allocation. And it's not Yep. to say that even if you were to decrease down to a growth that your investments would change overly, it just means your allocation to those growth defensive assets would increase a little bit. Mhmm. So it's not like you're jumping from, you know, having something like stock standard shares to, like, a cryptocurrency, which you can't even hold in superannuation. Your Yep. your level of investment remains largely at least at Oakview. Sort of similar. There are some Mhmm. changes as you do get more aggressive in your investment, but the core of the portfolios largely stay the same Yep. even with those, like, risk adjustments in those sort of 10% ranges. Okay. But are you happy with the high growth still given, you know, the explanation and everything there, Yep. Right. Now in regards to your superannuation and those investment returns, did you have any other questions with that, Jane, or did you want to No. talk about that a little bit more? No. Largely That's all still good.","start_word":4738,"end_word":5115,"sentiment":"neutral","sentiment_score":0.03729799120790429},{"text":"happy with how it's all tracking even with Yes.","start_word":5116,"end_word":5124,"sentiment":"positive","sentiment_score":0.46044009923934937},{"text":"the? Yeah. Yep.","start_word":5125,"end_word":5127,"sentiment":"neutral","sentiment_score":0.15385547280311584},{"text":"Okay. Perfect.","start_word":5128,"end_word":5129,"sentiment":"positive","sentiment_score":0.45512330532073975},{"text":"Yep. So from here, basically, what we'll do is I'll make a a note there as well. We'll get that research done. Obviously, if you've got a bit of time, we can run through that pre assessment now, or I can get you booked in with one of my colleagues to run through Yeah.","start_word":5130,"end_word":5183,"sentiment":"neutral","sentiment_score":0.165176370077663},{"text":"that. If you can book me in, that'd be great.","start_word":5184,"end_word":5193,"sentiment":"positive","sentiment_score":0.6311732530593872},{"text":"Yeah.","start_word":5194,"end_word":5194,"sentiment":"neutral","sentiment_score":0.2837218642234802},{"text":"Not a problem at all.","start_word":5195,"end_word":5199,"sentiment":"positive","sentiment_score":0.351777583360672},{"text":"And then they'll run through a little bit more about your occupation, a little bit about the health side of things. Yep. We'll put Mhmm. that off to the insurers, see what they come back with. As a worst case scenario there, Jane, you're not in a bad position by any means Yep. even though you're maybe a tad bit underinsured. We can look at reducing that IP, which will save you a little bit of money. I know you're currently contributing to Hub twenty four, and you've got about Yep. the 24,000 in your old account. The insurances are opted into, so we could potentially look at moving some of those funds over to Hub twenty Yep. four to consolidate the balance a little bit as well. We just Mhmm. have to be mindful that we do have to keep a bit of an eye on that given the fact Yep. that you're not contributing to that fund, or we could look at moving the contributions back and just reviewing it a little bit more regularly, if that makes sense. Yeah. Yeah. Because there still has to be that pocket there for the fees of all the insurances. Yeah. Mhmm. So, generally, like, a a fund retention, pardon me, is 6,000, generally. In terms of that, I Okay. believe with your fund, it's 8 as a minimum balance. And normally, we leave about 10 to 15 anyway in terms of, like, paying for those fees. And each year, we have you under review and you sort of review where things are at. Yes.","start_word":5200,"end_word":5463,"sentiment":"neutral","sentiment_score":0.01711951196193695},{"text":"Obviously, if you're not contributing, it's a little bit more risky.","start_word":5464,"end_word":5474,"sentiment":"negative","sentiment_score":-0.4046301543712616},{"text":"Even with the insurances opted in, you do have to keep a little bit more of an eye on it. Yep. But because you completed that form, it just means that it's a little bit safer in regards to that as well. But if you're happy sort of leaving those funds there as well, we don't have to to touch anything, Okay. but Yep.","start_word":5475,"end_word":5538,"sentiment":"neutral","sentiment_score":0.117009260924533},{"text":"that's always an option to have the funds a little bit more consolidated to your your better performing sort of fund Mhmm.","start_word":5539,"end_word":5560,"sentiment":"positive","sentiment_score":0.356643944978714},{"text":"as well. Yep. Yep.","start_word":5561,"end_word":5564,"sentiment":"neutral","sentiment_score":0.19097205996513367},{"text":"Brilliant.","start_word":5565,"end_word":5565,"sentiment":"positive","sentiment_score":0.5711424350738525},{"text":"But is there anything else that you wanna have a chat about before I look to to book you in for your pre assessment there at all, Jane? I'm trying to think so. I don't think that's about it. Not a problem at all.","start_word":5566,"end_word":5609,"sentiment":"neutral","sentiment_score":0.0903167575597763},{"text":"Brilliant.","start_word":5610,"end_word":5610,"sentiment":"positive","sentiment_score":0.5482414364814758},{"text":"And what sort of day would work best for you in terms of completing that pre assessment with one of my colleagues there, Jane? Any day after well, actually, any day but Monday after five. Yep. Or Yep. at five. So even, potentially, this Thursday at 5PM would work well Yep. for you? Yep.","start_word":5611,"end_word":5664,"sentiment":"neutral","sentiment_score":0.10253385454416276},{"text":"Perfect.","start_word":5665,"end_word":5665,"sentiment":"positive","sentiment_score":0.44383686780929565},{"text":"I'll get that booked in there. Mhmm. And just refresh my memory there. Sorry, Jane. Your partner, she's not a client of ours? No. She's with a and p. She's been there for ages. So yep. Not not a problem at all. I was just double checking because at the moment, they did have, like, a coupling fee going. So I just wanna Mhmm. make sure that that was applied if she was a a client or or looking to receive advice. But if she's happy with her AMP, that's not a problem at No. all. Yep.","start_word":5666,"end_word":5762,"sentiment":"neutral","sentiment_score":0.04749803245067597},{"text":"Brilliant.","start_word":5763,"end_word":5763,"sentiment":"positive","sentiment_score":0.39750003814697266},{"text":"If you've got no more questions for me there, Jane, you should receive the annual review pack shortly in terms of, like, your ongoing service agreement. Obviously, you can opt out of that at any time. So if it turns around in, you know, like, a few weeks there once you do get the advice update piece and the information regarding assurances that you're not too happy with this and wanna go your separate ways, you can always opt out. You'll receive your other documents here in regards to your COC and your performance report as well for you Okay. to have a a look at. If you do have any other questions regarding that as well, I can even see if someone's available this afternoon to send that out to you. No. That's it. Yeah. Feel free to to reach out. Otherwise, we'll get that on the the road, and then they'll send you that lawyer information booklet shortly as well. Okay.","start_word":5764,"end_word":5926,"sentiment":"neutral","sentiment_score":0.0779418595180921},{"text":"No problem. Other than that there, Jane, you enjoy the rest of your afternoon, and I'll be speaking with you at Thursday there at 5PM. Too easy. Thanks for that call. Not a problem at all, Jane. Thanks for your time.","start_word":5927,"end_word":5967,"sentiment":"positive","sentiment_score":0.5144089460372925},{"text":"Hope I answered Okay all your then. your questions this afternoon. Yes.","start_word":5968,"end_word":5979,"sentiment":"neutral","sentiment_score":0.3149751126766205},{"text":"You did. Thank you very much. No problem at all. Thanks now. Bye.","start_word":5980,"end_word":5992,"sentiment":"positive","sentiment_score":0.6032276153564453},{"text":"Alright. Bye.","start_word":5993,"end_word":5994,"sentiment":"neutral","sentiment_score":0.2454525530338287}],"average":{"sentiment":"neutral","sentiment_score":0.03239906420286629}}}}