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Yeah. No worries. How's your day been so far? Yeah. This is good. Yeah. Oh, understandable. Hayden, we do normally send through some annual review documents to you via email. Are you able to access your emails at the moment? If you're not, that's absolutely fine. Yep. Beautiful. So what I'm gonna do, I'm gonna send some documents through to you there. You're welcome to open that up and have a bit of a look at those as we are running through them. Okay. Not an issue at all. Beautiful. Now as we are just going through your annual review and having a bit of a chat and an update of things, is there anything specific question wise you had for us or anything you wanted me to sort of touch base on specifically today for you? No. That's okay. Not a problem at all. Now hopefully that email pops through to you fairly quickly there. It should just come through either myself at Dana Ophi Financial or say on there as well. Yeah. Beautiful. All good. Now when you open the email, it essentially does have a section where you can sign. That is the ongoing service agreement there for you. So, essentially, after the call, if you are happy to stay on board as a client for the next twelve months, we'd be to sign and return that one back there for us. The attachments is sort of what we're focusing on at the moment. So, essentially, you'll see the summary of superannuation and insurances on the attachment side of things for you, and that's giving you an update of your super balance there. So just to sorta have a look, I had a look back last year. Your annual review sorry. Your balance this time last year was about 40,220 and 90¢ there, and your balance as of today is 26. So just a couple of days ago, you're up to 50,477 and 74¢ there. So you have had a good increase in your super balance. And I can see that you are making those regular contributions of a $100 into your super as well, which is fantastic, and that definitely goes towards helping with the compounding effect there. Now just sort of clarifying, Hayden, I've got it down here. You're self employed. Is that right? Yeah. All good. Now those contributions that you are putting into the account, it looks like you have made 5,300 of those as nonconcessional contributions. Did you want to claim a notice of intent against those as to claim the contributions as a bit of a tax deduction on your tax return this year? Yeah. No. Not a problem at all. Do you understand how that works, or do you have any questions in relation to claiming notice of intent? Or yeah. All good. Not a worry. So, essentially, the contributions you are putting into the account go in there as a voluntary contribution. So it's essentially just the money goes in from your what we consider after tax money, and then the a 100% of the funds are fully invested into your portfolio. Essentially, by claiming notice of intent, you're telling the Superfund that you intend to claim the contributions made as a tax deduction. So they will deduct 15% tax out of the contributions put into the account. And then when you do your tax return at after the July 1, you'll essentially be able to claim the contributions back as a bit of a tax deduction to help reduce your taxable income there. Does that make sense? Yeah. So a nice little $5,000 tax deduction wouldn't go so bad. All good. Well, what I'll do is I'll get the team to do up the notice of intent for you. Now did you we actually don't need you to sign anything. We can submit that straight on your behalf. Are you planning on making another $100 contribution before the end of tomorrow, or is that basically what's in there? Is it for this financial year? Yep. That's okay. And are you happy? You've got 5,300 in there for this financial year currently nonconcessional. Are you happy for us to claim the full amount as under the notice of intent? Yeah. Beautiful. No. You actually can't. Yeah. You have to claim it. You can only claim it for the financial year. Yeah. Correct. Yeah. But you're putting that money in next year as well, and you could always increase your contributions next year if you wanted to as well. So if that's something you wanted to discuss or look at in a bit more detail, let me know. I'm more than happy to do so. So what I'll do is I'll claim that notice of intent for you for 5,300 for this financial year. That will essentially change the contribution. This side of things, we'll send you an acknowledgment, which shows you that you've claimed the 5,300 under the notice of intent. And when you go to do your tax return, that will all already be in your system. So what happens is once we claim that NOI for you, your super fund will notify the ATO of the intention to claim and that this has been done. And so when you go if you see your account, that information should all be prepopulated for you. But I will just email you the acknowledgment anyway just as a bit of a backup just in case they haven't gotten around to free filling that information. Okay? Yep. Beautiful. A nice little 5,300 tax deduction. All good. And you're a concrete a carpenter. Sorry. Is that right? Yeah. Beautiful. Has business been picking up this year? Or oh, fantastic. Excellent. Fantastic. Good to see. So that's the notice intent side of things and the the contribution side of things, which is great. Now I've given you your balance, which has been fantastic to see. To kinda give you an idea, you also have on that email there a performance with internal rate of return. So it's actually called the hub 24 performance report. If you were to open up this one and have a look at the second page there, it actually shows that the return you've saved received net of fees in your super fund is 11.4% this this for the last twelve months. So your super has done really well. We have seen some really good growth there, and we just wanna make sure we are compounding that forward. So it is really good to see. Okay. Beautiful. Can you see that performance reporting there? Do you yeah. Nice. Always just go to the resource. Easy. So with this one here now I'm not sure if you're aware or if you remember or if you received the email, but back in about March, we sent out what was called a record of advice to you. This was a bit of an investment change we were making in your super fund. Did you receive that, or do you remember receiving that at all? Nope. That's okay. Yeah. That's absolutely fine. So, essentially, in your portfolio when you came on board in 2024, essentially, you did have the Benelon Australian Equities investment in there. Now that sort of investment manager is an actively managed fund, and that investment manager is supposed to be trying to outperform against the market or the benchmark that they're trying to that they're working with. Essentially, Benelon hasn't been able to do that. They have been underperforming pretty significantly. So in around about March, we sent out a record of advice for you to notify you that we were making an investment change. So we've removed because it was underperforming. Don't wanna keep any funds that aren't doing well for you. And we've actually moved the money into the a 200, so the Australian Equities a 200 ETF. This investment, which is good, is actually giving you greater diversification. So instead of tracking, you know, the 15 to diversification. So instead of tracking, you know, the 15 to 20 different investments, you've actually got the top 200 companies on the ASX, so you've got greater diversification. But the a 200 investment is also a cheaper as well. So it's actually saving you a bit in the way of investment fees, which is a positive, and that the compound afford can provide greater growth there. So I just wanted to make sure that you have that that we did let you know that there have been some changes to your portfolio over the past few months. We did note there was an underperforming investment. We don't want you to be in anything underperforming and wanna make sure your portfolio is continuously growing and working towards your goals, building in your space for that. So we did have that one moved out. And now, you know, looking at where you were twelve months ago and having 11% return net of fees is a good return for the year. Okay. Fantastic. Do you have any questions about your super, the investments, or anything that have gone through so far? If you do, you're welcome to ask. No. Beautiful. All good. That's essentially a breakdown of your super, which is fantastic to see. With the insurance side of things, now you do have your MetLife policy, and you currently have you're insured for 330,750 of life and also total permanent disability cover. If in the event of, say, passing away, your life benefit is paid out, but so is your super balance. Do you remember with your goal what was it you were sort of wanting to have cover if you were to pass away? What are you wanting to happen to those funds? Yep. Yep. That's okay. I'm just also having a quick look at your beneficiary status inside your super fund as well to see. Because having a look at your fact find here now I've got it down that you're in a de facto relationship. Is that still correct, or has that changed? Still yep. Beautiful. That's okay. And no dependent children at all? No. That's absolutely fine. So I do have it on here that your beneficiary nomination has been made out a 100% to Madeline. Is that right? Okay. And so is Madeline your mom? Okay. So to kinda go through and to have a look with the beneficiary nomination through Super and for your life insurance, as they do have very specific situations. Essentially, a beneficiary can only be a spouse, a child, or someone who relies on you financially or lives with you and, again, relies on you financially. So does does your mom rely on you financially? Do you help her pay her bills, or, you know, is she living with you? No. That's okay. So, technically, in order for her to qualify as a to be named as a beneficiary on your super and your life insurance, she needs to fit one of those categories. Unfortunately, the way it is structured now, if you were to pass away, touch wood, nothing happens. We don't want it to. But if that was to occur, the beneficiary nomination is in place, and she could then claim. However, they would assess that claim, have her prove. She'd have to be able to need to prove that she was financially dependent on you, that you had an interpersonal relationship. And if she can't prove that, then, unfortunately, they make the they say it's null and void, and they just don't pay the claim, which is probably not very fair to your mom. She's gone through all this work and, know, thought she was able to get the funds and made the claim. But then to come back and say, I'm sorry. You don't actually qualify can be a little bit horrible on her. So there is another way to sort of structure it. Now do you happen to have a will in place? Have you ever drawn up a will? No. That's okay. So there is another way to structure the beneficiary nominations so that your mom received the funds. On the on the beneficiary nomination, we can always pick legal personal representative. And that essentially means that in the event of you passing away, your super annual life insurance proceeds are paid directly to your estate. And then it is just really important you have a will in place. And inside that will, you can direct the funds to your mom. Now a will can be done by a solicitor, which can be a little bit more costly, or you can have it done by, you know, your state trustee. They do help and organize things a little bit cheaply. They can also just be a will kit from the post office, which last time I checked was about $35 a will kit. But under the current beneficiary, the way it is nominated currently, she wouldn't be able to claim. And if she did go through to claim, it would be rejected, which is probably not what you want your mom to go through if anything was to happen to you. Did you want me to it is best to update your beneficiary nomination. If you like after the call, I could send you an email with some information on a local solicitor and how to get a will drawn up. Would you like me to help you out with that one? Yeah. Yep. Beautiful. It is really really yeah. You're right. Mhmm. Yep. So your partner is yeah. No. No. Your partner as she is. If you're in a defective relationship now, the person you're in the relationship with is your spouse, and they are fully qualified for a 100% of the proceeds now or in the future. So your spouse is completely fine, and they receive the funds tax free. It's just that, unfortunately, mom and dad don't qualify under the SIS Act. Yeah. Absolutely. Yeah. Absolutely. Are you you're happy for her to receive a 100% of the funds in the event that something happens? Yep. Perfect. If I can describe your partner's details, if you like, I can have my team we can prefill the form for you, send it out. That way, you just have to have it signed and witnessed. Is that okay? Yeah. We'll make it nice and easy on you. Oh, good. What's your partner's name? Is it l a u r a? Beautiful. And what was her surname? Beautiful. Do you know her date of birth at all? Yep. Yep. 1995. Beautiful. So it's the 03/09/1995. Fantastic. Is her address the same as yours, or does she reside in a different address? Yep. That's the one. Yeah. Perfect. Not a problem at all. And I'll tick staff for that one. And you're happy with me ticking a 100% of the nomination to be paid to have? Beautiful. Lovely. And we can update that for your super annual life insurance. Is that okay? Or yeah. Beautiful. Lovely. Just need to get clarification. You're happy for me to take care of that. But, look, you're busy, so we'll take care of the hard work in filling out this form. And then we can either email it or post it to you, and we can have that nomination updated nice and easily. That way it reflects your wishes. And that way your family don't have to in the event something was to happen, don't have a stressful time claiming. Okay. Fantastic. Did you want us to email or post or both? What's easier for you, Hayden? You have you have to print and sign and get two witnesses. Yeah. Sorry. The paper? Yep. Yeah. Not a problem at all. We'll have a reply envelope in there pre addressed back to us to make it easier for you as well. Okay. Fantastic. All good. Now with the life amount that you are covered for there, as I kinda mentioned, the sum insured, 330,750. Are you happy with the level of cover you have, or did you wanna look at maybe increasing or altering that level of cover? That's fine. Beautiful. Now with t p yes. You're absolutely fine. So, yeah, you do pay for the out of your super, and you pay for it on a yearly basis. So the total for your life, PPD, and income protection you paid for recently is a $1,782.89. Yeah. And you just pay once a year out of your super fund. So the idea is we want it to come out of the growth and all the income that your super is generating. That way your super still continues to grow, but you also get to have the level of cover that you need. Does that make sense? Yeah. Excellent. Now you also have the same level of cover for TPD. So TPD is total permanent total permanent disablement. It essentially pays out either a lump sum benefit or an income stream in the event that you're disabled and not able to go back to work again. To meet that definition of TBD, you have to be unable to go to back to any job for which you are educated, trained, or have worked in previously. So it is quite a broad definition. Do you think that that level of cover is suitable for you? Did you wanna look at altering the TPD level of cover you have? Or that's okay? Yeah. Beautiful. And then you've also got some income protection here as well. So income protection pays out a monthly benefit if you're unable to work in the short term due to due to illness or injury. Income wise, I don't have an updated income. What do you estimate your income to be this year? Okay. Yep. Yep. That's okay. Okay. And is your business is is your business set up as are you a sole trader or a company? Or okay. Beautiful. So you pay yourself as an employee. Yeah. Excellent. Yep. Absolutely. So now if we had a bit of a look with income protection, you can be covered for up to 70% of your, essentially, your gross income. Based on your with what you're insured for at the moment, your monthly benefit you're insured for is 3,094 pretax. So if you were on an income protection claim, just like your income, you are taxed on the amount that you receive. So say you've received about 2,800 from a monthly benefit sort of give or take net. Would that benefit amount cover you, or do you think you might need to increase that? Because based on a 120,000, you're a little bit low. The income protection, you are a bit underinsured there. Do you feel like you need to have maybe increase that, or do you feel like if you weren't able to work, you've got enough in the way of the business income and maybe have enough in the bank to cover you, or what's your thought? Yep. Okay. Yeah. Perfect. So they can still keep doing the jobs, and you can still pay keep paying yourself to to provide that offset. Yep. Excellent. Now you've also got a thirty day waiting period with that one, so it does mean that you just have to be off work for thirty days prior to making a claim. I like to maybe suggest that if you feel like you're gonna be off work and meet that waiting period and something happens, give us a call, let us know. That way, we can let the insurer know that the claim needs to start, and they can start calculating that thirty day waiting period for you. We can get the claims documents sorted. That way, when you hit that thirty days, we can submit everything and try to get the claim processed as quickly as possible for you. Okay? Excellent. Yeah. So it takes you have to wait the thirty days prior to putting the claim documents in, and then it generally takes about another thirty days for them to complete the assessment of the claim, and you are paid thirty days in arrears. So, realistically, you could be off work and not having any income for about sixty to ninety days prior to you actually receiving your first payment. That is if it all goes accordingly. I have seen it happen faster, but you would definitely be off work and probably not receiving any kind of income for the first at least sixty days. So they'll assess yeah. They'll assess essentially when you go back to work and whether because you are paid in arrears, as long as you've met that thirty day waiting period. If in that next thirty days you happen to go back to work, they'll just assess whether you were eligible for anything based on everything that was submitted, and you might get a week or two or one month payment there for you as well. So there is a chance you could get a payment. It just all comes down to what happens, what the illness of injury is, how quickly we get everything in and get the claim started, but also how long you're off work for and what what happens long term. Yeah. So all good. You've also got an age 65 benefit period there, which means that if anything did happen, you can be on a claim up to the age of 65. Normally, with these sort of claims, if you are on an income protection claim long term, say, more than, you know, five or ten years, they often then do a bit of a big payout, so you're not getting a monthly benefit for till age 65. However, it does depend on the claim. There's a few different factors that sort of go into play there. But having an age 65 benefit period is good. It does mean if something happens, especially in your area with what you do for a living. If you weren't ever able to get back to work again, you can be on a claim giving you a bit of supplement income to the age of 65, which does sort of help with the benefit. Okay. All good. Do you have any questions about how any of those insurances work, the lack of teeth that is the income protection? You're welcome to ask me to clarify more if you need to. Yeah. All good. It's always a a funny one. Like, the insurances, we pay for all the insurances we have to cover us. If in the event something was to happen, it might only be a one or 2% chance it's actually claiming. And the biggest risk we have is that we hold the insurances. We keep paying the premiums, and we never actually claim on them. They just expire or we cancel them later down the track. So it's kind of a gotta love that one, don't you? All good. Now you don't happen to have any insurances outside of super, like, trauma. Did you want me to talk you through what trauma is, how that works? Are you happy just for the three types of cover you have? Happy? That's okay. If you ever have any more questions, want them broken down, or more further detail, let me know. More than happy to do so. We can review this at any time with you as well. One of the biggest things to sort of keep in mind is that these insurances do get more expensive over time. So as you go through a renewal every year, the cost of the insurances increases, but also the amount you're covered for increases as well. So, you know, you get the benefit of having, yeah, an increase every year on how much you're covered for, but, unfortunately, the premium is gonna get more expensive the older you get as well. So we'll make sure we keep reviewing these with you and alter the cover as we need to moving forward. Okay? Fantastic. Now just to sort of update all your assets here as well, I've got your main primary residence down there. You had an asset value last time of about 1,200,000. What sort of value would you put on the property now, do you think? Yeah. Yeah. Perfect. That's Excellent. Excellent. And what sort of do you have a loan on that one still? Yep. How much do you have owing on that one still at the moment? That's okay. Yeah. Even just an approximate figure. Alright. And do you remember what the loan was when you purchased the property? Yeah. You're right. Yep. Perfect. That's okay. $9.06. Beautiful. Thank you for that. And do you have any other cars, boats, caravans, anything else of value? Yep. What kind of car do you drive? Oh, nice. Yeah. Perfect. And what sort of value would you put on that, do you think? Yeah. Perfect. Go on the top range there. They tend to hold their value quite nicely, the D Maxes. And do you have a loan on that one, or do you own it outright? Own it outright. Beautiful. And yeah. Excellent. Do you have any shares, cryptocurrency, collections, or tools of trade that you'd note down a value? Yep. If you sorta had to put a value on all your tools, what do you think you might value them at? Yeah. Beautiful. And and the other thing I do like to yeah. Fantastic. The other thing I do like to note down is the contents. Because when you look at everything you have in your house, realistically, the contents is quite valuable. We tend to ensure that to protect, you know, if we had to replace everything. What do you estimate your contents or value might be if your content? Yep. 20 thousand? Yep. Beautiful. Excellent. Lovely. And do you have any credit cards or personal loans or anything else that you need to note down liability wise? Yep. No. That's okay. Yeah. That's fine as well. All set by the company. Fantastic. And I've got your as you mentioned, your income here of about 120,000, and you're just making contributions of about a $100. It looks like it's on a weekly basis. Is that right? Yep. The payday. Yep. Yep. So it's all Gotcha. Yep. Okay. And the super, will that be going in at the 12% rate? So on a 120,000, you can expect about 14,400 in contributions. Is that gonna be what we're sort of expecting? Yep. Yeah. Yeah. Absolutely. Not a problem at all. Fantastic. Thank you for that. And are you wanting to make additional contributions over and above that, like, say, you know, your $100 per week, say, salary sacrifice or non concessional, or you're just happy to see what what the, you know, SDC contributions do with you now being a company? Yep. That's absolutely fine. Yeah. No. Not a problem at all. And are you paying extra onto your mortgage sort of looking to try and pay that down as quickly as possible? Or kind of yeah. Nice. Yeah. Yep. Perfect. So create a similar income stream. Yep. Mhmm. Yeah. Yep. Yep. Yeah. Beautiful. Excellent. And what's the time frame you're hoping to have the granny flat sorted in? Okay. Yeah. The council stuff, that's all fun, isn't it? Yep. Right. No. That's good. Well, hopefully, it all goes through fairly quickly for you. That sounds exciting. And so moving forward, your plan is to kind of move out of that property. You'll have it as the investment as well as the granny flat. So two essentially, two different properties providing income there. And then are you looking to sort of buy your next property as your main primary residence again? Or Okay. And rent out. Yeah. Yeah. The the dream home. Yeah. No. Absolutely perfect. That sounds fantastic. Lovely. And do you have any other goals that you're looking to hopefully achieve over the next one to two years, or is it more just building on this property dream and building your property portfolio up? Yeah. Oh, that's fantastic. No. Well, I look forward to seeing how that goes and, you know, working with you on the journey. That sounds fantastic. I'm sure your forever home will be amazing when you finally get to that property. No. All good. Excellent. So what I'll do essentially is we'll get that beneficiary nomination updated with your partner's details. I'll also send out some information on doing up a will and some information around that for you after the call. There's no real advice to provide at the moment with regard to your super because we have made that switch of the investments there. It's good just to sort of let them sit for the next sort of six to twelve months and see how that takes and let your, you know, let your super contributions come in. But did you wanna do a catch up in about three, six months? Are you happy just to have a review in twelve months? What would you like to see, Hayden? Yeah. That's absolutely fine. Yep. Not a problem at all. Yep. Well, would you like me to maybe yeah. Did you want me to maybe check your super in about six months? So, I mean, we have a look at the portfolios on a pretty regular basis. However, if you like, I could make some time in six months' time, which is basically December, just to see what your super is doing. I could always just decide then whether you need a a catch up if the market is down, if we haven't seen some great returns, maybe give you a call, and we reevaluate your portfolio and look at advising forward. If everything is going well, did you want me just to hold up until the twelve month mark? What would is that be okay with you, or did you want something different? Yeah. That's okay. Absolutely fantastic. And just so you are aware, the ongoing service agreement, as I mentioned, is in the email there for you. You are on a fee of 1.1 percent. Essentially, our fee structure next year will change, but we're gonna keep you on this for the next twelve months. We'll go through this in more detail down the track. Our normal fee structure is 1.65%. So we have reduced that fee yourself and keeping you on a lower fee structure now. We wanna make sure your balance is growing and building first before we kind of make any alterations there. So if you are happy to stay on board for another year, we'll get you to sign and return that one back for me. But do you have any questions around the fee structure, how that works? Or 1.1 for the year. Yeah. So we're we're keeping you on the same. It's our fee structure is normally 1.65%, but we've reduced yours for you. It's about making sure your sleep is working harder. So you'll stay on the 1.1 for the for this next year, and then we'll get to the next review, and then you and you and I can assess it again then. Okay? Yeah. Fantastic. Just wanna make sure your super is growing and building. You've got a lot of time ahead of you there, but, essentially, you still want your super to be compounding, and starting off now is the best way forward. Looking forward at your retirement, are you sort of hoping to access super as early as possible, say, age 60, or do you think you'd be, leaving it there and maybe working longer? What's your goal for your retirement? Yeah. See what happens when you get there? Yeah. It's okay. If you like for go was yeah. If you like go was, I could always say, look. We're working on the age of 60 now. That gives you the option to retire at 60 if your super works really well. However, you don't ever have to. We're not gonna force you to. You're welcome to then decide at 60, hey. I like what I'm doing. I wanna go a bit more, or I don't really need to access super. I've got enough passive income to support me through. So working on this, you know, giving you 60 active goal means we're working towards that goal, but then you don't have to. You can, you know, change your mind at any point. Does that sound okay? Yep. There is a way. However, it's not preferable. Essentially, you have to meet hardship provisions, or if you're wanting to you know, you're a first home buyer, you can access it that way. Yeah. Or if you've got compassionate grounds. So a lot of people tend to access it for, say, medical procedures where they can't fund the procedure out of their back pocket and they need to access super. So, essentially, that's probably the biggest ways to do it. However, accessing it before 60, there is more tax involved. So if you take out some money, they also take out a bit of extra to pay for taxation, and it could cost you a lot more. So we try to not have to unless you really need to. But if the option's there and you do need it, let us know. We will assist you in that area. Okay? Beautiful. Is there anything else that I know I've touched on a lot, and you're probably ready to go home, put your feet up for the afternoon. But is there anything else that you maybe needed from me? Have any other questions around? Or Yep. Beautiful. Beautiful. Fantastic. Well, if you find you have any questions, let me know. We'll get that notice of intent claimed for you for the 5,300. That will happen, as I said, automatically in your a on your myGov account, but we'll also email you the acknowledgment once it has been acknowledged just so you have that as a confirmation. Okay? Beautiful. Well, thank you so much. Feel free to review the and the review pack. And once you're happy to, you know, sign and return that back, I'll get you to if you have any questions, let me know. If you find at any point through the year you do need any extra assistance, advice, or you just have some questions for me, just give me a call. More than happy to take any calls. You're not limited to once a year or once every six months. We just try not to annoy you too often. That's all. Okay? Be beautiful, Hayden. I'll let you go. I hope you have a good restful afternoon. Thank you for taking my call. I really appreciate it. Talk to you soon. See you later. 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Good afternoon. This is Dana. How are you? Yeah.\n\nThanks so much for calling back, Hayden. I had you booked in to go through your annual review today. Is now still a good time there for you? Yeah. No worries.\n\nHow's your day been so far? Yeah. This is good. Yeah. Oh, understandable.\n\nHayden, we do normally send through some annual review documents to you via email. Are you able to access your emails at the moment? If you're not, that's absolutely fine. Yep. Beautiful.\n\nSo what I'm gonna do, I'm gonna send some documents through to you there. You're welcome to open that up and have a bit of a look at those as we are running through them. Okay. Not an issue at all. Beautiful.\n\nNow as we are just going through your annual review and having a bit of a chat and an update of things, is there anything specific question wise you had for us or anything you wanted me to sort of touch base on specifically today for you? No. That's okay. Not a problem at all. Now hopefully that email pops through to you fairly quickly there.\n\nIt should just come through either myself at Dana Ophi Financial or say on there as well. Yeah. Beautiful. All good. Now when you open the email, it essentially does have a section where you can sign.\n\nThat is the ongoing service agreement there for you. So, essentially, after the call, if you are happy to stay on board as a client for the next twelve months, we'd be to sign and return that one back there for us. The attachments is sort of what we're focusing on at the moment. So, essentially, you'll see the summary of superannuation and insurances on the attachment side of things for you, and that's giving you an update of your super balance there. So just to sorta have a look, I had a look back last year.\n\nYour annual review sorry. Your balance this time last year was about 40,220 and 90¢ there, and your balance as of today is 26. So just a couple of days ago, you're up to 50,477 and 74¢ there. So you have had a good increase in your super balance. And I can see that you are making those regular contributions of a $100 into your super as well, which is fantastic, and that definitely goes towards helping with the compounding effect there.\n\nNow just sort of clarifying, Hayden, I've got it down here. You're self employed. Is that right? Yeah. All good.\n\nNow those contributions that you are putting into the account, it looks like you have made 5,300 of those as nonconcessional contributions. Did you want to claim a notice of intent against those as to claim the contributions as a bit of a tax deduction on your tax return this year? Yeah. No. Not a problem at all.\n\nDo you understand how that works, or do you have any questions in relation to claiming notice of intent? Or yeah. All good. Not a worry. So, essentially, the contributions you are putting into the account go in there as a voluntary contribution.\n\nSo it's essentially just the money goes in from your what we consider after tax money, and then the a 100% of the funds are fully invested into your portfolio. Essentially, by claiming notice of intent, you're telling the Superfund that you intend to claim the contributions made as a tax deduction. So they will deduct 15% tax out of the contributions put into the account. And then when you do your tax return at after the July 1, you'll essentially be able to claim the contributions back as a bit of a tax deduction to help reduce your taxable income there. Does that make sense?\n\nYeah. So a nice little $5,000 tax deduction wouldn't go so bad. All good. Well, what I'll do is I'll get the team to do up the notice of intent for you. Now did you we actually don't need you to sign anything.\n\nWe can submit that straight on your behalf. Are you planning on making another $100 contribution before the end of tomorrow, or is that basically what's in there? Is it for this financial year? Yep. That's okay.\n\nAnd are you happy? You've got 5,300 in there for this financial year currently nonconcessional. Are you happy for us to claim the full amount as under the notice of intent? Yeah. Beautiful.\n\nNo. You actually can't. Yeah. You have to claim it. You can only claim it for the financial year.\n\nYeah. Correct. Yeah. But you're putting that money in next year as well, and you could always increase your contributions next year if you wanted to as well. So if that's something you wanted to discuss or look at in a bit more detail, let me know.\n\nI'm more than happy to do so. So what I'll do is I'll claim that notice of intent for you for 5,300 for this financial year. That will essentially change the contribution. This side of things, we'll send you an acknowledgment, which shows you that you've claimed the 5,300 under the notice of intent. And when you go to do your tax return, that will all already be in your system.\n\nSo what happens is once we claim that NOI for you, your super fund will notify the ATO of the intention to claim and that this has been done. And so when you go if you see your account, that information should all be prepopulated for you. But I will just email you the acknowledgment anyway just as a bit of a backup just in case they haven't gotten around to free filling that information. Okay? Yep.\n\nBeautiful. A nice little 5,300 tax deduction. All good. And you're a concrete a carpenter. Sorry.\n\nIs that right? Yeah. Beautiful. Has business been picking up this year? Or oh, fantastic.\n\nExcellent. Fantastic. Good to see. So that's the notice intent side of things and the the contribution side of things, which is great. Now I've given you your balance, which has been fantastic to see.\n\nTo kinda give you an idea, you also have on that email there a performance with internal rate of return. So it's actually called the hub 24 performance report. If you were to open up this one and have a look at the second page there, it actually shows that the return you've saved received net of fees in your super fund is 11.4% this this for the last twelve months. So your super has done really well. We have seen some really good growth there, and we just wanna make sure we are compounding that forward.\n\nSo it is really good to see. Okay. Beautiful. Can you see that performance reporting there? Do you yeah.\n\nNice. Always just go to the resource. Easy. So with this one here now I'm not sure if you're aware or if you remember or if you received the email, but back in about March, we sent out what was called a record of advice to you. This was a bit of an investment change we were making in your super fund.\n\nDid you receive that, or do you remember receiving that at all? Nope. That's okay. Yeah. That's absolutely fine.\n\nSo, essentially, in your portfolio when you came on board in 2024, essentially, you did have the Benelon Australian Equities investment in there. Now that sort of investment manager is an actively managed fund, and that investment manager is supposed to be trying to outperform against the market or the benchmark that they're trying to that they're working with. Essentially, Benelon hasn't been able to do that. They have been underperforming pretty significantly. So in around about March, we sent out a record of advice for you to notify you that we were making an investment change.\n\nSo we've removed because it was underperforming. Don't wanna keep any funds that aren't doing well for you. And we've actually moved the money into the a 200, so the Australian Equities a 200 ETF. This investment, which is good, is actually giving you greater diversification. So instead of tracking, you know, the 15 to diversification.\n\nSo instead of tracking, you know, the 15 to 20 different investments, you've actually got the top 200 companies on the ASX, so you've got greater diversification. But the a 200 investment is also a cheaper as well. So it's actually saving you a bit in the way of investment fees, which is a positive, and that the compound afford can provide greater growth there. So I just wanted to make sure that you have that that we did let you know that there have been some changes to your portfolio over the past few months. We did note there was an underperforming investment.\n\nWe don't want you to be in anything underperforming and wanna make sure your portfolio is continuously growing and working towards your goals, building in your space for that. So we did have that one moved out. And now, you know, looking at where you were twelve months ago and having 11% return net of fees is a good return for the year. Okay. Fantastic.\n\nDo you have any questions about your super, the investments, or anything that have gone through so far? If you do, you're welcome to ask. No. Beautiful. All good.\n\nThat's essentially a breakdown of your super, which is fantastic to see. With the insurance side of things, now you do have your MetLife policy, and you currently have you're insured for 330,750 of life and also total permanent disability cover. If in the event of, say, passing away, your life benefit is paid out, but so is your super balance. Do you remember with your goal what was it you were sort of wanting to have cover if you were to pass away? What are you wanting to happen to those funds?\n\nYep. Yep. That's okay. I'm just also having a quick look at your beneficiary status inside your super fund as well to see. Because having a look at your fact find here now I've got it down that you're in a de facto relationship.\n\nIs that still correct, or has that changed? Still yep. Beautiful. That's okay. And no dependent children at all?\n\nNo. That's absolutely fine. So I do have it on here that your beneficiary nomination has been made out a 100% to Madeline. Is that right? Okay.\n\nAnd so is Madeline your mom? Okay. So to kinda go through and to have a look with the beneficiary nomination through Super and for your life insurance, as they do have very specific situations. Essentially, a beneficiary can only be a spouse, a child, or someone who relies on you financially or lives with you and, again, relies on you financially. So does does your mom rely on you financially?\n\nDo you help her pay her bills, or, you know, is she living with you? No. That's okay. So, technically, in order for her to qualify as a to be named as a beneficiary on your super and your life insurance, she needs to fit one of those categories. Unfortunately, the way it is structured now, if you were to pass away, touch wood, nothing happens.\n\nWe don't want it to. But if that was to occur, the beneficiary nomination is in place, and she could then claim. However, they would assess that claim, have her prove. She'd have to be able to need to prove that she was financially dependent on you, that you had an interpersonal relationship. And if she can't prove that, then, unfortunately, they make the they say it's null and void, and they just don't pay the claim, which is probably not very fair to your mom.\n\nShe's gone through all this work and, know, thought she was able to get the funds and made the claim. But then to come back and say, I'm sorry. You don't actually qualify can be a little bit horrible on her. So there is another way to sort of structure it. Now do you happen to have a will in place?\n\nHave you ever drawn up a will? No. That's okay. So there is another way to structure the beneficiary nominations so that your mom received the funds. On the on the beneficiary nomination, we can always pick legal personal representative.\n\nAnd that essentially means that in the event of you passing away, your super annual life insurance proceeds are paid directly to your estate. And then it is just really important you have a will in place. And inside that will, you can direct the funds to your mom. Now a will can be done by a solicitor, which can be a little bit more costly, or you can have it done by, you know, your state trustee. They do help and organize things a little bit cheaply.\n\nThey can also just be a will kit from the post office, which last time I checked was about $35 a will kit. But under the current beneficiary, the way it is nominated currently, she wouldn't be able to claim. And if she did go through to claim, it would be rejected, which is probably not what you want your mom to go through if anything was to happen to you. Did you want me to it is best to update your beneficiary nomination. If you like after the call, I could send you an email with some information on a local solicitor and how to get a will drawn up.\n\nWould you like me to help you out with that one? Yeah. Yep. Beautiful. It is really really yeah.\n\nYou're right. Mhmm. Yep. So your partner is yeah. No.\n\nNo. Your partner as she is. If you're in a defective relationship now, the person you're in the relationship with is your spouse, and they are fully qualified for a 100% of the proceeds now or in the future. So your spouse is completely fine, and they receive the funds tax free. It's just that, unfortunately, mom and dad don't qualify under the SIS Act.\n\nYeah. Absolutely. Yeah. Absolutely. Are you you're happy for her to receive a 100% of the funds in the event that something happens?\n\nYep. Perfect. If I can describe your partner's details, if you like, I can have my team we can prefill the form for you, send it out. That way, you just have to have it signed and witnessed. Is that okay?\n\nYeah. We'll make it nice and easy on you. Oh, good. What's your partner's name? Is it l a u r a?\n\nBeautiful. And what was her surname? Beautiful. Do you know her date of birth at all? Yep.\n\nYep. 1995. Beautiful. So it's the 03/09/1995. Fantastic.\n\nIs her address the same as yours, or does she reside in a different address? Yep. That's the one. Yeah. Perfect.\n\nNot a problem at all. And I'll tick staff for that one. And you're happy with me ticking a 100% of the nomination to be paid to have? Beautiful. Lovely.\n\nAnd we can update that for your super annual life insurance. Is that okay? Or yeah. Beautiful. Lovely.\n\nJust need to get clarification. You're happy for me to take care of that. But, look, you're busy, so we'll take care of the hard work in filling out this form. And then we can either email it or post it to you, and we can have that nomination updated nice and easily. That way it reflects your wishes.\n\nAnd that way your family don't have to in the event something was to happen, don't have a stressful time claiming. Okay. Fantastic. Did you want us to email or post or both? What's easier for you, Hayden?\n\nYou have you have to print and sign and get two witnesses. Yeah. Sorry. The paper? Yep.\n\nYeah. Not a problem at all. We'll have a reply envelope in there pre addressed back to us to make it easier for you as well. Okay. Fantastic.\n\nAll good. Now with the life amount that you are covered for there, as I kinda mentioned, the sum insured, 330,750. Are you happy with the level of cover you have, or did you wanna look at maybe increasing or altering that level of cover? That's fine. Beautiful.\n\nNow with t p yes. You're absolutely fine. So, yeah, you do pay for the out of your super, and you pay for it on a yearly basis. So the total for your life, PPD, and income protection you paid for recently is a $1,782.89. Yeah.\n\nAnd you just pay once a year out of your super fund. So the idea is we want it to come out of the growth and all the income that your super is generating. That way your super still continues to grow, but you also get to have the level of cover that you need. Does that make sense? Yeah.\n\nExcellent. Now you also have the same level of cover for TPD. So TPD is total permanent total permanent disablement. It essentially pays out either a lump sum benefit or an income stream in the event that you're disabled and not able to go back to work again. To meet that definition of TBD, you have to be unable to go to back to any job for which you are educated, trained, or have worked in previously.\n\nSo it is quite a broad definition. Do you think that that level of cover is suitable for you? Did you wanna look at altering the TPD level of cover you have? Or that's okay? Yeah.\n\nBeautiful. And then you've also got some income protection here as well. So income protection pays out a monthly benefit if you're unable to work in the short term due to due to illness or injury. Income wise, I don't have an updated income. What do you estimate your income to be this year?\n\nOkay. Yep. Yep. That's okay. Okay.\n\nAnd is your business is is your business set up as are you a sole trader or a company? Or okay. Beautiful. So you pay yourself as an employee. Yeah.\n\nExcellent. Yep. Absolutely. So now if we had a bit of a look with income protection, you can be covered for up to 70% of your, essentially, your gross income. Based on your with what you're insured for at the moment, your monthly benefit you're insured for is 3,094 pretax.\n\nSo if you were on an income protection claim, just like your income, you are taxed on the amount that you receive. So say you've received about 2,800 from a monthly benefit sort of give or take net. Would that benefit amount cover you, or do you think you might need to increase that? Because based on a 120,000, you're a little bit low. The income protection, you are a bit underinsured there.\n\nDo you feel like you need to have maybe increase that, or do you feel like if you weren't able to work, you've got enough in the way of the business income and maybe have enough in the bank to cover you, or what's your thought? Yep. Okay. Yeah. Perfect.\n\nSo they can still keep doing the jobs, and you can still pay keep paying yourself to to provide that offset. Yep. Excellent. Now you've also got a thirty day waiting period with that one, so it does mean that you just have to be off work for thirty days prior to making a claim. I like to maybe suggest that if you feel like you're gonna be off work and meet that waiting period and something happens, give us a call, let us know.\n\nThat way, we can let the insurer know that the claim needs to start, and they can start calculating that thirty day waiting period for you. We can get the claims documents sorted. That way, when you hit that thirty days, we can submit everything and try to get the claim processed as quickly as possible for you. Okay? Excellent.\n\nYeah. So it takes you have to wait the thirty days prior to putting the claim documents in, and then it generally takes about another thirty days for them to complete the assessment of the claim, and you are paid thirty days in arrears. So, realistically, you could be off work and not having any income for about sixty to ninety days prior to you actually receiving your first payment. That is if it all goes accordingly. I have seen it happen faster, but you would definitely be off work and probably not receiving any kind of income for the first at least sixty days.\n\nSo they'll assess yeah. They'll assess essentially when you go back to work and whether because you are paid in arrears, as long as you've met that thirty day waiting period. If in that next thirty days you happen to go back to work, they'll just assess whether you were eligible for anything based on everything that was submitted, and you might get a week or two or one month payment there for you as well. So there is a chance you could get a payment. It just all comes down to what happens, what the illness of injury is, how quickly we get everything in and get the claim started, but also how long you're off work for and what what happens long term.\n\nYeah. So all good. You've also got an age 65 benefit period there, which means that if anything did happen, you can be on a claim up to the age of 65. Normally, with these sort of claims, if you are on an income protection claim long term, say, more than, you know, five or ten years, they often then do a bit of a big payout, so you're not getting a monthly benefit for till age 65. However, it does depend on the claim.\n\nThere's a few different factors that sort of go into play there. But having an age 65 benefit period is good. It does mean if something happens, especially in your area with what you do for a living. If you weren't ever able to get back to work again, you can be on a claim giving you a bit of supplement income to the age of 65, which does sort of help with the benefit. Okay.\n\nAll good. Do you have any questions about how any of those insurances work, the lack of teeth that is the income protection? You're welcome to ask me to clarify more if you need to. Yeah. All good.\n\nIt's always a a funny one. Like, the insurances, we pay for all the insurances we have to cover us. If in the event something was to happen, it might only be a one or 2% chance it's actually claiming. And the biggest risk we have is that we hold the insurances. We keep paying the premiums, and we never actually claim on them.\n\nThey just expire or we cancel them later down the track. So it's kind of a gotta love that one, don't you? All good. Now you don't happen to have any insurances outside of super, like, trauma. Did you want me to talk you through what trauma is, how that works?\n\nAre you happy just for the three types of cover you have? Happy? That's okay. If you ever have any more questions, want them broken down, or more further detail, let me know. More than happy to do so.\n\nWe can review this at any time with you as well. One of the biggest things to sort of keep in mind is that these insurances do get more expensive over time. So as you go through a renewal every year, the cost of the insurances increases, but also the amount you're covered for increases as well. So, you know, you get the benefit of having, yeah, an increase every year on how much you're covered for, but, unfortunately, the premium is gonna get more expensive the older you get as well. So we'll make sure we keep reviewing these with you and alter the cover as we need to moving forward.\n\nOkay? Fantastic. Now just to sort of update all your assets here as well, I've got your main primary residence down there. You had an asset value last time of about 1,200,000. What sort of value would you put on the property now, do you think?\n\nYeah. Yeah. Perfect. That's Excellent. Excellent.\n\nAnd what sort of do you have a loan on that one still? Yep. How much do you have owing on that one still at the moment? That's okay. Yeah.\n\nEven just an approximate figure. Alright. And do you remember what the loan was when you purchased the property? Yeah. You're right.\n\nYep. Perfect. That's okay. $9.06. Beautiful.\n\nThank you for that. And do you have any other cars, boats, caravans, anything else of value? Yep. What kind of car do you drive? Oh, nice.\n\nYeah. Perfect. And what sort of value would you put on that, do you think? Yeah. Perfect.\n\nGo on the top range there. They tend to hold their value quite nicely, the D Maxes. And do you have a loan on that one, or do you own it outright? Own it outright. Beautiful.\n\nAnd yeah. Excellent. Do you have any shares, cryptocurrency, collections, or tools of trade that you'd note down a value? Yep. If you sorta had to put a value on all your tools, what do you think you might value them at?\n\nYeah. Beautiful. And and the other thing I do like to yeah. Fantastic. The other thing I do like to note down is the contents.\n\nBecause when you look at everything you have in your house, realistically, the contents is quite valuable. We tend to ensure that to protect, you know, if we had to replace everything. What do you estimate your contents or value might be if your content? Yep. 20 thousand?\n\nYep. Beautiful. Excellent. Lovely. And do you have any credit cards or personal loans or anything else that you need to note down liability wise?\n\nYep. No. That's okay. Yeah. That's fine as well.\n\nAll set by the company. Fantastic. And I've got your as you mentioned, your income here of about 120,000, and you're just making contributions of about a $100. It looks like it's on a weekly basis. Is that right?\n\nYep. The payday. Yep. Yep. So it's all Gotcha.\n\nYep. Okay. And the super, will that be going in at the 12% rate? So on a 120,000, you can expect about 14,400 in contributions. Is that gonna be what we're sort of expecting?\n\nYep. Yeah. Yeah. Absolutely. Not a problem at all.\n\nFantastic. Thank you for that. And are you wanting to make additional contributions over and above that, like, say, you know, your $100 per week, say, salary sacrifice or non concessional, or you're just happy to see what what the, you know, SDC contributions do with you now being a company? Yep. That's absolutely fine.\n\nYeah. No. Not a problem at all. And are you paying extra onto your mortgage sort of looking to try and pay that down as quickly as possible? Or kind of yeah.\n\nNice. Yeah. Yep. Perfect. So create a similar income stream.\n\nYep. Mhmm. Yeah. Yep. Yep.\n\nYeah. Beautiful. Excellent. And what's the time frame you're hoping to have the granny flat sorted in? Okay.\n\nYeah. The council stuff, that's all fun, isn't it? Yep. Right. No.\n\nThat's good. Well, hopefully, it all goes through fairly quickly for you. That sounds exciting. And so moving forward, your plan is to kind of move out of that property. You'll have it as the investment as well as the granny flat.\n\nSo two essentially, two different properties providing income there. And then are you looking to sort of buy your next property as your main primary residence again? Or Okay. And rent out. Yeah.\n\nYeah. The the dream home. Yeah. No. Absolutely perfect.\n\nThat sounds fantastic. Lovely. And do you have any other goals that you're looking to hopefully achieve over the next one to two years, or is it more just building on this property dream and building your property portfolio up? Yeah. Oh, that's fantastic.\n\nNo. Well, I look forward to seeing how that goes and, you know, working with you on the journey. That sounds fantastic. I'm sure your forever home will be amazing when you finally get to that property. No.\n\nAll good. Excellent. So what I'll do essentially is we'll get that beneficiary nomination updated with your partner's details. I'll also send out some information on doing up a will and some information around that for you after the call. There's no real advice to provide at the moment with regard to your super because we have made that switch of the investments there.\n\nIt's good just to sort of let them sit for the next sort of six to twelve months and see how that takes and let your, you know, let your super contributions come in. But did you wanna do a catch up in about three, six months? Are you happy just to have a review in twelve months? What would you like to see, Hayden? Yeah.\n\nThat's absolutely fine. Yep. Not a problem at all. Yep. Well, would you like me to maybe yeah.\n\nDid you want me to maybe check your super in about six months? So, I mean, we have a look at the portfolios on a pretty regular basis. However, if you like, I could make some time in six months' time, which is basically December, just to see what your super is doing. I could always just decide then whether you need a a catch up if the market is down, if we haven't seen some great returns, maybe give you a call, and we reevaluate your portfolio and look at advising forward. If everything is going well, did you want me just to hold up until the twelve month mark?\n\nWhat would is that be okay with you, or did you want something different? Yeah. That's okay. Absolutely fantastic. And just so you are aware, the ongoing service agreement, as I mentioned, is in the email there for you.\n\nYou are on a fee of 1.1 percent. Essentially, our fee structure next year will change, but we're gonna keep you on this for the next twelve months. We'll go through this in more detail down the track. Our normal fee structure is 1.65%. So we have reduced that fee yourself and keeping you on a lower fee structure now.\n\nWe wanna make sure your balance is growing and building first before we kind of make any alterations there. So if you are happy to stay on board for another year, we'll get you to sign and return that one back for me. But do you have any questions around the fee structure, how that works? Or 1.1 for the year. Yeah.\n\nSo we're we're keeping you on the same. It's our fee structure is normally 1.65%, but we've reduced yours for you. It's about making sure your sleep is working harder. So you'll stay on the 1.1 for the for this next year, and then we'll get to the next review, and then you and you and I can assess it again then. Okay?\n\nYeah. Fantastic. Just wanna make sure your super is growing and building. You've got a lot of time ahead of you there, but, essentially, you still want your super to be compounding, and starting off now is the best way forward. Looking forward at your retirement, are you sort of hoping to access super as early as possible, say, age 60, or do you think you'd be, leaving it there and maybe working longer?\n\nWhat's your goal for your retirement? Yeah. See what happens when you get there? Yeah. It's okay.\n\nIf you like for go was yeah. If you like go was, I could always say, look. We're working on the age of 60 now. That gives you the option to retire at 60 if your super works really well. However, you don't ever have to.\n\nWe're not gonna force you to. You're welcome to then decide at 60, hey. I like what I'm doing. I wanna go a bit more, or I don't really need to access super. I've got enough passive income to support me through.\n\nSo working on this, you know, giving you 60 active goal means we're working towards that goal, but then you don't have to. You can, you know, change your mind at any point. Does that sound okay? Yep. There is a way.\n\nHowever, it's not preferable. Essentially, you have to meet hardship provisions, or if you're wanting to you know, you're a first home buyer, you can access it that way. Yeah. Or if you've got compassionate grounds. So a lot of people tend to access it for, say, medical procedures where they can't fund the procedure out of their back pocket and they need to access super.\n\nSo, essentially, that's probably the biggest ways to do it. However, accessing it before 60, there is more tax involved. So if you take out some money, they also take out a bit of extra to pay for taxation, and it could cost you a lot more. So we try to not have to unless you really need to. But if the option's there and you do need it, let us know.\n\nWe will assist you in that area. Okay? Beautiful. Is there anything else that I know I've touched on a lot, and you're probably ready to go home, put your feet up for the afternoon. But is there anything else that you maybe needed from me?\n\nHave any other questions around? Or Yep. Beautiful. Beautiful. Fantastic.\n\nWell, if you find you have any questions, let me know. We'll get that notice of intent claimed for you for the 5,300. That will happen, as I said, automatically in your a on your myGov account, but we'll also email you the acknowledgment once it has been acknowledged just so you have that as a confirmation. Okay? Beautiful.\n\nWell, thank you so much. Feel free to review the and the review pack. And once you're happy to, you know, sign and return that back, I'll get you to if you have any questions, let me know. If you find at any point through the year you do need any extra assistance, advice, or you just have some questions for me, just give me a call. More than happy to take any calls.\n\nYou're not limited to once a year or once every six months. We just try not to annoy you too often. That's all. Okay? Be beautiful, Hayden.\n\nI'll let you go. I hope you have a good restful afternoon. Thank you for taking my call. I really appreciate it. Talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.2098031640052795},{"text":"Good afternoon.","start":1.4399999,"end":1.92,"sentiment":"positive","sentiment_score":0.3658038526773453},{"text":"This is Dana.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.32636377215385437},{"text":"How are you?","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.2845466633637746},{"text":"Yeah.","start":5.92,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.2717466354370117}],"sentiment":"neutral","sentiment_score":0.3045888811349869,"num_words":10,"start":1.1999999,"end":6.3999996},{"sentences":[{"text":"Thanks so much for calling back, Hayden.","start":6.3999996,"end":8.24,"sentiment":"positive","sentiment_score":0.6241261788776943},{"text":"I had you booked in to go through your annual review today.","start":8.24,"end":10.639999,"sentiment":"positive","sentiment_score":0.38884860028823215},{"text":"Is now still a good time there for you?","start":10.639999,"end":12.66,"sentiment":"positive","sentiment_score":0.43458666735225254},{"text":"Yeah.","start":14.465,"end":14.865,"sentiment":"neutral","sentiment_score":0.17938953638076782},{"text":"No worries.","start":14.865,"end":15.425,"sentiment":"neutral","sentiment_score":0.1696716770529747}],"sentiment":"positive","sentiment_score":0.4343573984599883,"num_words":31,"start":6.3999996,"end":15.425},{"sentences":[{"text":"How's your day been so far?","start":15.425,"end":16.965,"sentiment":"neutral","sentiment_score":0.20771674066781998},{"text":"Yeah.","start":19.505,"end":20.005,"sentiment":"neutral","sentiment_score":0.18844839930534363},{"text":"This is good.","start":20.625,"end":21.505001,"sentiment":"neutral","sentiment_score":0.32413872083028156},{"text":"Yeah.","start":21.505001,"end":22.005001,"sentiment":"neutral","sentiment_score":0.15526199340820312},{"text":"Oh, understandable.","start":22.224998,"end":23.205,"sentiment":"neutral","sentiment_score":0.1166514940559864}],"sentiment":"neutral","sentiment_score":0.21505615287102187,"num_words":13,"start":15.425,"end":23.205},{"sentences":[{"text":"Hayden, we do normally send through some annual review documents to you via email.","start":23.985,"end":27.29,"sentiment":"neutral","sentiment_score":0.051735320527638705},{"text":"Are you able to access your emails at the moment?","start":27.29,"end":29.61,"sentiment":"neutral","sentiment_score":0.01729614958167076},{"text":"If you're not, that's absolutely fine.","start":29.61,"end":31.470001,"sentiment":"neutral","sentiment_score":-0.012129044470687708},{"text":"Yep.","start":33.45,"end":33.85,"sentiment":"neutral","sentiment_score":0.16303682327270508},{"text":"Beautiful.","start":33.85,"end":34.35,"sentiment":"positive","sentiment_score":0.408024787902832}],"sentiment":"neutral","sentiment_score":0.04361072898609564,"num_words":32,"start":23.985,"end":34.35},{"sentences":[{"text":"So what I'm gonna do, I'm gonna send some documents through to you there.","start":34.41,"end":37.365,"sentiment":"neutral","sentiment_score":0.21569432743958064},{"text":"You're welcome to open that up and have a bit of a look at those as we are running through them.","start":37.605003,"end":41.625,"sentiment":"neutral","sentiment_score":0.2788321106206803},{"text":"Okay.","start":48.805,"end":49.305,"sentiment":"neutral","sentiment_score":0.12315820902585985},{"text":"Not an issue at all.","start":49.365,"end":51.065002,"sentiment":"neutral","sentiment_score":0.16223073601722718},{"text":"Beautiful.","start":51.86,"end":52.34,"sentiment":"positive","sentiment_score":0.5320033431053162}],"sentiment":"neutral","sentiment_score":0.24622643189061255,"num_words":42,"start":34.41,"end":52.34},{"sentences":[{"text":"Now as we are just going through your annual review and having a bit of a chat and an update of things, is there anything specific question wise you had for us or anything you wanted me to sort of touch base on specifically today for you?","start":52.34,"end":63.16,"sentiment":"neutral","sentiment_score":0.16022576692890614},{"text":"No.","start":66.595,"end":66.994995,"sentiment":"neutral","sentiment_score":-0.031156618148088455},{"text":"That's okay.","start":66.994995,"end":67.815,"sentiment":"neutral","sentiment_score":0.03332995995879173},{"text":"Not a problem at all.","start":68.115,"end":69.575,"sentiment":"neutral","sentiment_score":0.16172802150249482},{"text":"Now hopefully that email pops through to you fairly quickly there.","start":70.835,"end":73.634995,"sentiment":"neutral","sentiment_score":0.22770446674390274}],"sentiment":"neutral","sentiment_score":0.16484096347156799,"num_words":66,"start":52.34,"end":73.634995},{"sentences":[{"text":"It should just come through either myself at Dana Ophi Financial or say on there as well.","start":73.634995,"end":78.93,"sentiment":"neutral","sentiment_score":0.12217480645460241},{"text":"Yeah.","start":83.57,"end":84.07,"sentiment":"neutral","sentiment_score":0.1953246146440506},{"text":"Beautiful.","start":84.13,"end":84.63,"sentiment":"positive","sentiment_score":0.4220049977302551},{"text":"All good.","start":84.85,"end":85.59,"sentiment":"positive","sentiment_score":0.3800392150878906},{"text":"Now when you open the email, it essentially does have a section where you can sign.","start":85.73,"end":90.37,"sentiment":"neutral","sentiment_score":0.15444516018033028}],"sentiment":"neutral","sentiment_score":0.16014871122063817,"num_words":37,"start":73.634995,"end":90.37},{"sentences":[{"text":"That is the ongoing service agreement there for you.","start":90.37,"end":93.01,"sentiment":"neutral","sentiment_score":0.1800609595245785},{"text":"So, essentially, after the call, if you are happy to stay on board as a client for the next twelve months, we'd be to sign and return that one back there for us.","start":93.01,"end":100.045,"sentiment":"neutral","sentiment_score":0.1564215017539082},{"text":"The attachments is sort of what we're focusing on at the moment.","start":100.34499,"end":103.30499,"sentiment":"neutral","sentiment_score":0.06846096832305193},{"text":"So, essentially, you'll see the summary of superannuation and insurances on the attachment side of things for you, and that's giving you an update of your super balance there.","start":103.30499,"end":112.95,"sentiment":"neutral","sentiment_score":0.1340061323396091},{"text":"So just to sorta have a look, I had a look back last year.","start":112.95,"end":116.229996,"sentiment":"neutral","sentiment_score":0.03421630683754172}],"sentiment":"neutral","sentiment_score":0.12339377265001081,"num_words":97,"start":90.37,"end":116.229996},{"sentences":[{"text":"Your annual review sorry.","start":116.229996,"end":117.59,"sentiment":"neutral","sentiment_score":0.018563588615506887},{"text":"Your balance this time last year was about 40,220 and 90¢ there, and your balance as of today is 26.","start":117.59,"end":125.575005,"sentiment":"neutral","sentiment_score":0.09835867936673917},{"text":"So just a couple of days ago, you're up to 50,477 and 74¢ there.","start":125.575005,"end":130.855,"sentiment":"neutral","sentiment_score":0.18894068896770477},{"text":"So you have had a good increase in your super balance.","start":130.855,"end":133.575,"sentiment":"positive","sentiment_score":0.7309341620315205},{"text":"And I can see that you are making those regular contributions of a $100 into your super as well, which is fantastic, and that definitely goes towards helping with the compounding effect there.","start":133.575,"end":143.87,"sentiment":"positive","sentiment_score":0.7178106524727561}],"sentiment":"positive","sentiment_score":0.4515915691619739,"num_words":82,"start":116.229996,"end":143.87},{"sentences":[{"text":"Now just sort of clarifying, Hayden, I've got it down here.","start":143.87,"end":146.75,"sentiment":"neutral","sentiment_score":0.07117052342404019},{"text":"You're self employed.","start":146.75,"end":147.71,"sentiment":"neutral","sentiment_score":0.049919530749320984},{"text":"Is that right?","start":147.71,"end":148.61,"sentiment":"neutral","sentiment_score":0.04720662782589594},{"text":"Yeah.","start":150.59,"end":150.99,"sentiment":"neutral","sentiment_score":0.3293231129646301},{"text":"All good.","start":150.99,"end":151.725,"sentiment":"positive","sentiment_score":0.49436230957508087}],"sentiment":"neutral","sentiment_score":0.11961509827524423,"num_words":20,"start":143.87,"end":151.725},{"sentences":[{"text":"Now those contributions that you are putting into the account, it looks like you have made 5,300 of those as nonconcessional contributions.","start":151.80501,"end":160.145,"sentiment":"neutral","sentiment_score":0.06227944418787956},{"text":"Did you want to claim a notice of intent against those as to claim the contributions as a bit of a tax deduction on your tax return this year?","start":160.445,"end":171.35,"sentiment":"neutral","sentiment_score":0.03837919607758522},{"text":"Yeah.","start":171.35,"end":171.75,"sentiment":"neutral","sentiment_score":0.07520392537117004},{"text":"No.","start":171.75,"end":171.99,"sentiment":"neutral","sentiment_score":0.0683838278055191},{"text":"Not a problem at all.","start":171.99,"end":173.03,"sentiment":"neutral","sentiment_score":0.1548134058713913}],"sentiment":"neutral","sentiment_score":0.058634469670982195,"num_words":58,"start":151.80501,"end":173.03},{"sentences":[{"text":"Do you understand how that works, or do you have any questions in relation to claiming notice of intent?","start":173.03,"end":177.99,"sentiment":"neutral","sentiment_score":0.028304339680624634},{"text":"Or yeah.","start":177.99,"end":181.435,"sentiment":"neutral","sentiment_score":0.07540715299546719},{"text":"All good.","start":181.435,"end":182.25499,"sentiment":"positive","sentiment_score":0.38599343597888947},{"text":"Not a worry.","start":182.39499,"end":182.95499,"sentiment":"neutral","sentiment_score":0.18078500032424927},{"text":"So, essentially, the contributions you are putting into the account go in there as a voluntary contribution.","start":182.95499,"end":188.095,"sentiment":"neutral","sentiment_score":0.12096136260558576}],"sentiment":"neutral","sentiment_score":0.0944019022592625,"num_words":43,"start":173.03,"end":188.095},{"sentences":[{"text":"So it's essentially just the money goes in from your what we consider after tax money, and then the a 100% of the funds are fully invested into your portfolio.","start":188.39499,"end":199.06,"sentiment":"neutral","sentiment_score":0.14534460914631683},{"text":"Essentially, by claiming notice of intent, you're telling the Superfund that you intend to claim the contributions made as a tax deduction.","start":199.52,"end":206.26001,"sentiment":"neutral","sentiment_score":0.12402701902795922},{"text":"So they will deduct 15% tax out of the contributions put into the account.","start":206.32,"end":210.98499,"sentiment":"neutral","sentiment_score":0.14612714307648794},{"text":"And then when you do your tax return at after the July 1, you'll essentially be able to claim the contributions back as a bit of a tax deduction to help reduce your taxable income there.","start":211.125,"end":221.84499,"sentiment":"neutral","sentiment_score":0.1473317216667864},{"text":"Does that make sense?","start":221.84499,"end":222.78,"sentiment":"neutral","sentiment_score":0.07896633259952068}],"sentiment":"neutral","sentiment_score":0.139193584966772,"num_words":106,"start":188.39499,"end":222.78},{"sentences":[{"text":"Yeah.","start":224.78,"end":225.28,"sentiment":"neutral","sentiment_score":0.2398458570241928},{"text":"So a nice little $5,000 tax deduction wouldn't go so bad.","start":225.66,"end":229.04,"sentiment":"positive","sentiment_score":0.3812562823295593},{"text":"All good.","start":232.45999,"end":233.1,"sentiment":"neutral","sentiment_score":0.2615641336888075},{"text":"Well, what I'll do is I'll get the team to do up the notice of intent for you.","start":233.1,"end":236.45999,"sentiment":"neutral","sentiment_score":0.06883284180528587},{"text":"Now did you we actually don't need you to sign anything.","start":236.45999,"end":238.995,"sentiment":"neutral","sentiment_score":0.0257246292788874}],"sentiment":"neutral","sentiment_score":0.15066872801371786,"num_words":43,"start":224.78,"end":238.995},{"sentences":[{"text":"We can submit that straight on your behalf.","start":238.995,"end":241.155,"sentiment":"neutral","sentiment_score":0.0914522223174572},{"text":"Are you planning on making another $100 contribution before the end of tomorrow, or is that basically what's in there?","start":241.155,"end":247.475,"sentiment":"neutral","sentiment_score":0.02794645046815276},{"text":"Is it for this financial year?","start":247.475,"end":249.175,"sentiment":"neutral","sentiment_score":0.007157403354843457},{"text":"Yep.","start":252.29001,"end":252.61,"sentiment":"neutral","sentiment_score":0.20327244699001312},{"text":"That's okay.","start":252.61,"end":253.17,"sentiment":"positive","sentiment_score":0.3840983957052231}],"sentiment":"neutral","sentiment_score":0.06229622828195224,"num_words":37,"start":238.995,"end":253.17},{"sentences":[{"text":"And are you happy?","start":253.17,"end":253.97,"sentiment":"neutral","sentiment_score":0.3161008507013321},{"text":"You've got 5,300 in there for this financial year currently nonconcessional.","start":253.97,"end":257.91,"sentiment":"neutral","sentiment_score":0.22850691323930566},{"text":"Are you happy for us to claim the full amount as under the notice of intent?","start":258.37,"end":263.83002,"sentiment":"neutral","sentiment_score":0.28581315465271473},{"text":"Yeah.","start":266.77502,"end":267.17502,"sentiment":"neutral","sentiment_score":0.3041171133518219},{"text":"Beautiful.","start":267.17502,"end":267.67502,"sentiment":"positive","sentiment_score":0.557130753993988}],"sentiment":"neutral","sentiment_score":0.2791587209159678,"num_words":33,"start":253.17,"end":267.67502},{"sentences":[{"text":"No.","start":271.495,"end":271.815,"sentiment":"neutral","sentiment_score":-0.10403548181056976},{"text":"You actually can't.","start":271.815,"end":272.95502,"sentiment":"neutral","sentiment_score":-0.0815064546962579},{"text":"Yeah.","start":273.17502,"end":273.495,"sentiment":"neutral","sentiment_score":0.049501389265060425},{"text":"You have to claim it.","start":273.495,"end":274.61502,"sentiment":"neutral","sentiment_score":0.042316362261772156},{"text":"You can only claim it for the financial year.","start":274.61502,"end":277.015,"sentiment":"neutral","sentiment_score":0.023242903045482106}],"sentiment":"neutral","sentiment_score":0.006406025372837719,"num_words":19,"start":271.495,"end":277.015},{"sentences":[{"text":"Yeah.","start":277.015,"end":277.515,"sentiment":"neutral","sentiment_score":0.1286591738462448},{"text":"Correct.","start":277.575,"end":278.075,"sentiment":"neutral","sentiment_score":0.17950233817100525},{"text":"Yeah.","start":278.135,"end":278.635,"sentiment":"neutral","sentiment_score":0.20131438970565796},{"text":"But you're putting that money in next year as well, and you could always increase your contributions next year if you wanted to as well.","start":278.86002,"end":284.62003,"sentiment":"neutral","sentiment_score":0.2483889502286911},{"text":"So if that's something you wanted to discuss or look at in a bit more detail, let me know.","start":284.62003,"end":289.1,"sentiment":"neutral","sentiment_score":0.11773926254950072}],"sentiment":"neutral","sentiment_score":0.19055841799746168,"num_words":47,"start":277.015,"end":289.1},{"sentences":[{"text":"I'm more than happy to do so.","start":289.1,"end":290.72,"sentiment":"positive","sentiment_score":0.7072030816759381},{"text":"So what I'll do is I'll claim that notice of intent for you for 5,300 for this financial year.","start":290.905,"end":297.565,"sentiment":"neutral","sentiment_score":0.18868788135679146},{"text":"That will essentially change the contribution.","start":298.185,"end":300.125,"sentiment":"neutral","sentiment_score":0.15604019910097122},{"text":"This side of things, we'll send you an acknowledgment, which shows you that you've claimed the 5,300 under the notice of intent.","start":300.185,"end":307.75,"sentiment":"neutral","sentiment_score":0.18804513967849992},{"text":"And when you go to do your tax return, that will all already be in your system.","start":307.89,"end":312.21,"sentiment":"neutral","sentiment_score":0.13309255592963276}],"sentiment":"neutral","sentiment_score":0.22353942304010122,"num_words":71,"start":289.1,"end":312.21},{"sentences":[{"text":"So what happens is once we claim that NOI for you, your super fund will notify the ATO of the intention to claim and that this has been done.","start":312.21,"end":321.23502,"sentiment":"neutral","sentiment_score":0.10628389836899166},{"text":"And so when you go if you see your account, that information should all be prepopulated for you.","start":321.23502,"end":326.675,"sentiment":"neutral","sentiment_score":0.13154323564635384},{"text":"But I will just email you the acknowledgment anyway just as a bit of a backup just in case they haven't gotten around to free filling that information.","start":326.675,"end":333.64,"sentiment":"neutral","sentiment_score":0.09613603107365114},{"text":"Okay?","start":333.94,"end":334.44,"sentiment":"neutral","sentiment_score":0.06232217699289322},{"text":"Yep.","start":335.94,"end":336.44,"sentiment":"positive","sentiment_score":0.3459753394126892}],"sentiment":"neutral","sentiment_score":0.11104048936107716,"num_words":77,"start":312.21,"end":336.44},{"sentences":[{"text":"Beautiful.","start":336.66,"end":337.16,"sentiment":"positive","sentiment_score":0.7643863558769226},{"text":"A nice little 5,300 tax deduction.","start":337.30002,"end":339.72,"sentiment":"positive","sentiment_score":0.7300589481989542},{"text":"All good.","start":343.38,"end":344.12,"sentiment":"positive","sentiment_score":0.5030898153781891},{"text":"And you're a concrete a carpenter.","start":344.18,"end":346.02002,"sentiment":"neutral","sentiment_score":0.0008007542152578632},{"text":"Sorry.","start":346.02002,"end":346.26,"sentiment":"neutral","sentiment_score":-0.030846258625388145}],"sentiment":"positive","sentiment_score":0.3828048714058241,"num_words":16,"start":336.66,"end":346.26},{"sentences":[{"text":"Is that right?","start":346.26,"end":347.08002,"sentiment":"neutral","sentiment_score":-0.011766338100035986},{"text":"Yeah.","start":348.835,"end":349.235,"sentiment":"neutral","sentiment_score":0.11592278629541396},{"text":"Beautiful.","start":349.235,"end":349.735,"sentiment":"positive","sentiment_score":0.5447309613227844},{"text":"Has business been picking up this year?","start":349.955,"end":351.97498,"sentiment":"neutral","sentiment_score":0.17114809155464172},{"text":"Or oh, fantastic.","start":352.35498,"end":357.25497,"sentiment":"positive","sentiment_score":0.3753916919231415}],"sentiment":"neutral","sentiment_score":0.1966377633313338,"num_words":15,"start":346.26,"end":357.25497},{"sentences":[{"text":"Excellent.","start":358.275,"end":358.775,"sentiment":"positive","sentiment_score":0.8080536723136902},{"text":"Fantastic.","start":359.31497,"end":359.81497,"sentiment":"positive","sentiment_score":0.8288198709487915},{"text":"Good to see.","start":361.12,"end":361.94,"sentiment":"positive","sentiment_score":0.7934589982032776},{"text":"So that's the notice intent side of things and the the contribution side of things, which is great.","start":362.64,"end":367.38,"sentiment":"positive","sentiment_score":0.4812948836220635},{"text":"Now I've given you your balance, which has been fantastic to see.","start":368.16,"end":371.46,"sentiment":"positive","sentiment_score":0.6057828937967619}],"sentiment":"positive","sentiment_score":0.5699986619608742,"num_words":35,"start":358.275,"end":371.46},{"sentences":[{"text":"To kinda give you an idea, you also have on that email there a performance with internal rate of return.","start":371.84,"end":377.08502,"sentiment":"neutral","sentiment_score":0.13946559876203538},{"text":"So it's actually called the hub 24 performance report.","start":377.08502,"end":380.70502,"sentiment":"neutral","sentiment_score":0.11164892216523488},{"text":"If you were to open up this one and have a look at the second page there, it actually shows that the return you've saved received net of fees in your super fund is 11.4% this this for the last twelve months.","start":381.48502,"end":392.75,"sentiment":"neutral","sentiment_score":0.1875308116986638},{"text":"So your super has done really well.","start":392.75,"end":394.75,"sentiment":"positive","sentiment_score":0.678439029625484},{"text":"We have seen some really good growth there, and we just wanna make sure we are compounding that forward.","start":394.75,"end":399.63,"sentiment":"positive","sentiment_score":0.5634668265518389}],"sentiment":"neutral","sentiment_score":0.2796431884323199,"num_words":97,"start":371.84,"end":399.63},{"sentences":[{"text":"So it is really good to see.","start":399.63,"end":401.41,"sentiment":"positive","sentiment_score":0.5996609926223755},{"text":"Okay.","start":401.47,"end":401.97,"sentiment":"neutral","sentiment_score":0.15356725454330444},{"text":"Beautiful.","start":405.275,"end":405.775,"sentiment":"positive","sentiment_score":0.3734469413757324},{"text":"Can you see that performance reporting there?","start":406.315,"end":408.23502,"sentiment":"neutral","sentiment_score":0.08713992152895246},{"text":"Do you yeah.","start":408.23502,"end":412.715,"sentiment":"neutral","sentiment_score":0.04154115294416746}],"sentiment":"neutral","sentiment_score":0.2873286344110966,"num_words":19,"start":399.63,"end":412.715},{"sentences":[{"text":"Nice.","start":412.715,"end":413.115,"sentiment":"neutral","sentiment_score":0.23248407244682312},{"text":"Always just go to the resource.","start":413.115,"end":414.635,"sentiment":"neutral","sentiment_score":0.14903842161099115},{"text":"Easy.","start":414.635,"end":415.135,"sentiment":"neutral","sentiment_score":0.11445145308971404},{"text":"So with this one here now I'm not sure if you're aware or if you remember or if you received the email, but back in about March, we sent out what was called a record of advice to you.","start":416.075,"end":425.94998,"sentiment":"neutral","sentiment_score":0.008374357834840432},{"text":"This was a bit of an investment change we were making in your super fund.","start":425.94998,"end":429.49,"sentiment":"neutral","sentiment_score":0.004661824367940426}],"sentiment":"neutral","sentiment_score":0.026414409294844635,"num_words":62,"start":412.715,"end":429.49},{"sentences":[{"text":"Did you receive that, or do you remember receiving that at all?","start":430.03,"end":433.16998,"sentiment":"neutral","sentiment_score":-0.013139902226005992},{"text":"Nope.","start":438.865,"end":439.185,"sentiment":"neutral","sentiment_score":-0.090909942984581},{"text":"That's okay.","start":439.185,"end":439.925,"sentiment":"neutral","sentiment_score":-0.01939890393987298},{"text":"Yeah.","start":443.425,"end":443.665,"sentiment":"neutral","sentiment_score":0.03942647948861122},{"text":"That's absolutely fine.","start":443.665,"end":444.785,"sentiment":"neutral","sentiment_score":0.15131124357382456}],"sentiment":"neutral","sentiment_score":0.010840717507036107,"num_words":19,"start":430.03,"end":444.785},{"sentences":[{"text":"So, essentially, in your portfolio when you came on board in 2024, essentially, you did have the Benelon Australian Equities investment in there.","start":444.785,"end":452.48,"sentiment":"neutral","sentiment_score":0.03455436553644097},{"text":"Now that sort of investment manager is an actively managed fund, and that investment manager is supposed to be trying to outperform against the market or the benchmark that they're trying to that they're working with.","start":452.48,"end":463.795,"sentiment":"neutral","sentiment_score":0.0709081936834587},{"text":"Essentially, Benelon hasn't been able to do that.","start":464.255,"end":466.17502,"sentiment":"neutral","sentiment_score":-0.2963741682469845},{"text":"They have been underperforming pretty significantly.","start":466.17502,"end":468.275,"sentiment":"negative","sentiment_score":-0.5665905475616455},{"text":"So in around about March, we sent out a record of advice for you to notify you that we were making an investment change.","start":468.575,"end":475.375,"sentiment":"neutral","sentiment_score":-0.051412328922500215}],"sentiment":"neutral","sentiment_score":-0.03770089840766081,"num_words":97,"start":444.785,"end":475.375},{"sentences":[{"text":"So we've removed because it was underperforming.","start":475.375,"end":477.91,"sentiment":"neutral","sentiment_score":-0.22978187671729497},{"text":"Don't wanna keep any funds that aren't doing well for you.","start":478.21,"end":480.94998,"sentiment":"neutral","sentiment_score":-0.3324933512644334},{"text":"And we've actually moved the money into the a 200, so the Australian Equities a 200 ETF.","start":481.09,"end":487.03,"sentiment":"neutral","sentiment_score":0.09527582916266777},{"text":"This investment, which is good, is actually giving you greater diversification.","start":487.65,"end":488.738,"sentiment":"positive","sentiment_score":0.5304723354903135},{"text":"So instead of tracking, you know, the 15 to diversification.","start":488.738,"end":493.265,"sentiment":"neutral","sentiment_score":0.20131997466087342}],"sentiment":"neutral","sentiment_score":0.07503900949710182,"num_words":56,"start":475.375,"end":493.265},{"sentences":[{"text":"So instead of tracking, you know, the 15 to 20 different investments, you've actually got the top 200 companies on the ASX, so you've got greater diversification.","start":493.405,"end":500.145,"sentiment":"positive","sentiment_score":0.34003196435946004},{"text":"But the a 200 investment is also a cheaper as well.","start":501.085,"end":504.125,"sentiment":"positive","sentiment_score":0.46287746862931684},{"text":"So it's actually saving you a bit in the way of investment fees, which is a positive, and that the compound afford can provide greater growth there.","start":504.125,"end":511.54,"sentiment":"positive","sentiment_score":0.6248292326927185},{"text":"So I just wanted to make sure that you have that that we did let you know that there have been some changes to your portfolio over the past few months.","start":511.54,"end":518.9,"sentiment":"neutral","sentiment_score":0.2148097878502261},{"text":"We did note there was an underperforming investment.","start":518.9,"end":521.4,"sentiment":"neutral","sentiment_score":-0.011629750020802021}],"sentiment":"positive","sentiment_score":0.362586249024249,"num_words":104,"start":493.405,"end":521.4},{"sentences":[{"text":"We don't want you to be in anything underperforming and wanna make sure your portfolio is continuously growing and working towards your goals, building in your space for that.","start":522.105,"end":530.52496,"sentiment":"neutral","sentiment_score":-0.018084262594066817},{"text":"So we did have that one moved out.","start":530.745,"end":532.825,"sentiment":"neutral","sentiment_score":0.07095500268042088},{"text":"And now, you know, looking at where you were twelve months ago and having 11% return net of fees is a good return for the year.","start":532.825,"end":540.69,"sentiment":"neutral","sentiment_score":0.2412182207290943},{"text":"Okay.","start":540.69,"end":541.19,"sentiment":"neutral","sentiment_score":0.1730283498764038},{"text":"Fantastic.","start":543.17,"end":543.67,"sentiment":"positive","sentiment_score":0.512877345085144}],"sentiment":"neutral","sentiment_score":0.10770424369436044,"num_words":65,"start":522.105,"end":543.67},{"sentences":[{"text":"Do you have any questions about your super, the investments, or anything that have gone through so far?","start":544.13,"end":549.17,"sentiment":"neutral","sentiment_score":0.18440168930424583},{"text":"If you do, you're welcome to ask.","start":549.17,"end":550.95,"sentiment":"neutral","sentiment_score":0.09520675987005234},{"text":"No.","start":554.36505,"end":554.685,"sentiment":"neutral","sentiment_score":0.05215848237276077},{"text":"Beautiful.","start":554.685,"end":555.185,"sentiment":"positive","sentiment_score":0.3906210958957672},{"text":"All good.","start":555.325,"end":556.065,"sentiment":"positive","sentiment_score":0.37043844163417816}],"sentiment":"neutral","sentiment_score":0.1782529030380578,"num_words":29,"start":544.13,"end":556.065},{"sentences":[{"text":"That's essentially a breakdown of your super, which is fantastic to see.","start":556.36505,"end":559.825,"sentiment":"positive","sentiment_score":0.45747609933217365},{"text":"With the insurance side of things, now you do have your MetLife policy, and you currently have you're insured for 330,750 of life and also total permanent disability cover.","start":560.685,"end":572.52,"sentiment":"neutral","sentiment_score":0.1710296006038271},{"text":"If in the event of, say, passing away, your life benefit is paid out, but so is your super balance.","start":573.06,"end":578.2,"sentiment":"neutral","sentiment_score":0.08339737131609581},{"text":"Do you remember with your goal what was it you were sort of wanting to have cover if you were to pass away?","start":578.98,"end":583.915,"sentiment":"neutral","sentiment_score":-0.0422207779534485},{"text":"What are you wanting to happen to those funds?","start":583.915,"end":585.935,"sentiment":"neutral","sentiment_score":-0.04924168727464146}],"sentiment":"neutral","sentiment_score":0.11508888126255803,"num_words":93,"start":556.36505,"end":585.935},{"sentences":[{"text":"Yep.","start":592.875,"end":593.375,"sentiment":"neutral","sentiment_score":-0.014086711220443249},{"text":"Yep.","start":596.09,"end":596.59,"sentiment":"neutral","sentiment_score":0.03290056809782982},{"text":"That's okay.","start":596.73004,"end":597.45,"sentiment":"neutral","sentiment_score":0.16267311573028564},{"text":"I'm just also having a quick look at your beneficiary status inside your super fund as well to see.","start":597.45,"end":602.35004,"sentiment":"neutral","sentiment_score":0.11061835092933554},{"text":"Because having a look at your fact find here now I've got it down that you're in a de facto relationship.","start":602.89,"end":607.31,"sentiment":"neutral","sentiment_score":0.0379866335674056}],"sentiment":"neutral","sentiment_score":0.0737188195661557,"num_words":44,"start":592.875,"end":607.31},{"sentences":[{"text":"Is that still correct, or has that changed?","start":607.45,"end":609.55,"sentiment":"neutral","sentiment_score":-0.0006553397979587317},{"text":"Still yep.","start":612.355,"end":613.01495,"sentiment":"neutral","sentiment_score":0.09402701631188393},{"text":"Beautiful.","start":613.075,"end":613.475,"sentiment":"positive","sentiment_score":0.553187906742096},{"text":"That's okay.","start":613.475,"end":614.295,"sentiment":"positive","sentiment_score":0.38209640979766846},{"text":"And no dependent children at all?","start":614.435,"end":616.375,"sentiment":"neutral","sentiment_score":0.01676908104370038}],"sentiment":"neutral","sentiment_score":0.08425297509682805,"num_words":19,"start":607.45,"end":616.375},{"sentences":[{"text":"No.","start":618.435,"end":618.755,"sentiment":"neutral","sentiment_score":-0.05245035141706467},{"text":"That's absolutely fine.","start":618.755,"end":620.375,"sentiment":"neutral","sentiment_score":0.016553711766997974},{"text":"So I do have it on here that your beneficiary nomination has been made out a 100% to Madeline.","start":620.83496,"end":627.63,"sentiment":"neutral","sentiment_score":0.2007490082790977},{"text":"Is that right?","start":627.77,"end":628.67004,"sentiment":"neutral","sentiment_score":0.15045552452405295},{"text":"Okay.","start":630.65,"end":630.89,"sentiment":"neutral","sentiment_score":0.08364184200763702}],"sentiment":"neutral","sentiment_score":0.16097964284320673,"num_words":27,"start":618.435,"end":630.89},{"sentences":[{"text":"And so is Madeline your mom?","start":630.89,"end":632.75,"sentiment":"neutral","sentiment_score":0.06260499730706215},{"text":"Okay.","start":634.65,"end":635.13,"sentiment":"neutral","sentiment_score":0.047884080559015274},{"text":"So to kinda go through and to have a look with the beneficiary nomination through Super and for your life insurance, as they do have very specific situations.","start":635.13,"end":643.355,"sentiment":"neutral","sentiment_score":0.05541623204148242},{"text":"Essentially, a beneficiary can only be a spouse, a child, or someone who relies on you financially or lives with you and, again, relies on you financially.","start":643.975,"end":652.55,"sentiment":"neutral","sentiment_score":0.007208651552597682},{"text":"So does does your mom rely on you financially?","start":652.69,"end":655.51,"sentiment":"neutral","sentiment_score":0.0008498539941178428}],"sentiment":"neutral","sentiment_score":0.030668321682113996,"num_words":71,"start":630.89,"end":655.51},{"sentences":[{"text":"Do you help her pay her bills, or, you know, is she living with you?","start":655.57,"end":660.15,"sentiment":"neutral","sentiment_score":-0.015957429880897205},{"text":"No.","start":664.065,"end":664.385,"sentiment":"neutral","sentiment_score":-0.1752496361732483},{"text":"That's okay.","start":664.385,"end":665.205,"sentiment":"neutral","sentiment_score":-0.08449364453554153},{"text":"So, technically, in order for her to qualify as a to be named as a beneficiary on your super and your life insurance, she needs to fit one of those categories.","start":665.265,"end":673.525,"sentiment":"neutral","sentiment_score":-0.04595181592289479},{"text":"Unfortunately, the way it is structured now, if you were to pass away, touch wood, nothing happens.","start":674.065,"end":678.89996,"sentiment":"neutral","sentiment_score":-0.20923575320664575}],"sentiment":"neutral","sentiment_score":-0.08431988593303796,"num_words":66,"start":655.57,"end":678.89996},{"sentences":[{"text":"We don't want it to.","start":678.89996,"end":680.18,"sentiment":"neutral","sentiment_score":-0.23149999976158142},{"text":"But if that was to occur, the beneficiary nomination is in place, and she could then claim.","start":680.18,"end":685.56,"sentiment":"neutral","sentiment_score":-0.09079512909931295},{"text":"However, they would assess that claim, have her prove.","start":685.62,"end":689.48,"sentiment":"neutral","sentiment_score":-0.2268216394715839},{"text":"She'd have to be able to need to prove that she was financially dependent on you, that you had an interpersonal relationship.","start":689.54,"end":695.385,"sentiment":"neutral","sentiment_score":-0.23287144777449695},{"text":"And if she can't prove that, then, unfortunately, they make the they say it's null and void, and they just don't pay the claim, which is probably not very fair to your mom.","start":696.085,"end":704.405,"sentiment":"negative","sentiment_score":-0.4855190436496879}],"sentiment":"neutral","sentiment_score":-0.3010199097699897,"num_words":86,"start":678.89996,"end":704.405},{"sentences":[{"text":"She's gone through all this work and, know, thought she was able to get the funds and made the claim.","start":704.405,"end":708.97,"sentiment":"neutral","sentiment_score":-0.25585281774401664},{"text":"But then to come back and say, I'm sorry.","start":709.02997,"end":710.63,"sentiment":"neutral","sentiment_score":-0.15187130868434906},{"text":"You don't actually qualify can be a little bit horrible on her.","start":710.63,"end":714.17,"sentiment":"neutral","sentiment_score":-0.30422039578358334},{"text":"So there is another way to sort of structure it.","start":715.27,"end":717.51,"sentiment":"neutral","sentiment_score":-0.050170591287314895},{"text":"Now do you happen to have a will in place?","start":717.51,"end":719.67,"sentiment":"neutral","sentiment_score":0.01007634038105607}],"sentiment":"neutral","sentiment_score":-0.1727128752705748,"num_words":61,"start":704.405,"end":719.67},{"sentences":[{"text":"Have you ever drawn up a will?","start":719.67,"end":721.37,"sentiment":"neutral","sentiment_score":-0.018831993054066385},{"text":"No.","start":723.725,"end":723.96497,"sentiment":"neutral","sentiment_score":-0.09383873641490936},{"text":"That's okay.","start":723.96497,"end":724.685,"sentiment":"neutral","sentiment_score":-0.022694903425872326},{"text":"So there is another way to structure the beneficiary nominations so that your mom received the funds.","start":724.685,"end":729.345,"sentiment":"neutral","sentiment_score":0.0752694196999073},{"text":"On the on the beneficiary nomination, we can always pick legal personal representative.","start":729.805,"end":734.545,"sentiment":"neutral","sentiment_score":0.08306923451331946}],"sentiment":"neutral","sentiment_score":0.05221069222316146,"num_words":40,"start":719.67,"end":734.545},{"sentences":[{"text":"And that essentially means that in the event of you passing away, your super annual life insurance proceeds are paid directly to your estate.","start":735.04,"end":742.1,"sentiment":"neutral","sentiment_score":0.04629538821366926},{"text":"And then it is just really important you have a will in place.","start":742.4,"end":745.44,"sentiment":"neutral","sentiment_score":0.09203613606783059},{"text":"And inside that will, you can direct the funds to your mom.","start":745.44,"end":749.115,"sentiment":"neutral","sentiment_score":0.08979668126751979},{"text":"Now a will can be done by a solicitor, which can be a little bit more costly, or you can have it done by, you know, your state trustee.","start":749.435,"end":756.635,"sentiment":"neutral","sentiment_score":0.041511150655047645},{"text":"They do help and organize things a little bit cheaply.","start":756.635,"end":759.21497,"sentiment":"neutral","sentiment_score":0.11002455018460751}],"sentiment":"neutral","sentiment_score":0.06464986513707448,"num_words":88,"start":735.04,"end":759.21497},{"sentences":[{"text":"They can also just be a will kit from the post office, which last time I checked was about $35 a will kit.","start":760.475,"end":766.79004,"sentiment":"neutral","sentiment_score":0.013166563180477722},{"text":"But under the current beneficiary, the way it is nominated currently, she wouldn't be able to claim.","start":767.73004,"end":773.73004,"sentiment":"neutral","sentiment_score":-0.28899160290465636},{"text":"And if she did go through to claim, it would be rejected, which is probably not what you want your mom to go through if anything was to happen to you.","start":773.73004,"end":781.065,"sentiment":"negative","sentiment_score":-0.42169732672552906},{"text":"Did you want me to it is best to update your beneficiary nomination.","start":782.34503,"end":786.285,"sentiment":"neutral","sentiment_score":-0.0271492600440979},{"text":"If you like after the call, I could send you an email with some information on a local solicitor and how to get a will drawn up.","start":786.985,"end":793.545,"sentiment":"neutral","sentiment_score":0.044756428235107}],"sentiment":"neutral","sentiment_score":-0.15159603822472933,"num_words":111,"start":760.475,"end":793.545},{"sentences":[{"text":"Would you like me to help you out with that one?","start":793.545,"end":795.725,"sentiment":"neutral","sentiment_score":0.08057636293497952},{"text":"Yeah.","start":798.71,"end":799.19,"sentiment":"neutral","sentiment_score":0.16714870929718018},{"text":"Yep.","start":799.19,"end":799.67,"sentiment":"neutral","sentiment_score":0.20489811897277832},{"text":"Beautiful.","start":799.67,"end":800.17,"sentiment":"positive","sentiment_score":0.47789573669433594},{"text":"It is really really yeah.","start":800.23,"end":801.99,"sentiment":"neutral","sentiment_score":0.21264539659023285}],"sentiment":"neutral","sentiment_score":0.14734260737895966,"num_words":19,"start":793.545,"end":801.99},{"sentences":[{"text":"You're right.","start":801.99,"end":802.73,"sentiment":"neutral","sentiment_score":0.07463767379522324},{"text":"Mhmm.","start":804.23,"end":804.73,"sentiment":"neutral","sentiment_score":0.007809922099113464},{"text":"Yep.","start":809.60504,"end":810.10504,"sentiment":"neutral","sentiment_score":0.016696376726031303},{"text":"So your partner is yeah.","start":813.525,"end":817.365,"sentiment":"neutral","sentiment_score":-0.01658475734293461},{"text":"No.","start":817.365,"end":817.60504,"sentiment":"neutral","sentiment_score":-0.13300275802612305}],"sentiment":"neutral","sentiment_score":-0.004214489832520485,"num_words":10,"start":801.99,"end":817.60504},{"sentences":[{"text":"No.","start":817.60504,"end":817.925,"sentiment":"neutral","sentiment_score":-0.1642928123474121},{"text":"Your partner as she is.","start":817.925,"end":819.125,"sentiment":"neutral","sentiment_score":-0.18223960995674132},{"text":"If you're in a defective relationship now, the person you're in the relationship with is your spouse, and they are fully qualified for a 100% of the proceeds now or in the future.","start":819.125,"end":829.05,"sentiment":"neutral","sentiment_score":-0.08265226932637619},{"text":"So your spouse is completely fine, and they receive the funds tax free.","start":829.19,"end":832.89,"sentiment":"neutral","sentiment_score":0.09294919812908539},{"text":"It's just that, unfortunately, mom and dad don't qualify under the SIS 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happens?","start":844.055,"end":848.555,"sentiment":"neutral","sentiment_score":0.30556736572792653}],"sentiment":"neutral","sentiment_score":0.26105377610529895,"num_words":23,"start":839.735,"end":848.555},{"sentences":[{"text":"Yep.","start":851.03,"end":851.53,"sentiment":"neutral","sentiment_score":0.21702609956264496},{"text":"Perfect.","start":851.75,"end":852.25,"sentiment":"positive","sentiment_score":0.4028495252132416},{"text":"If I can describe your partner's details, if you like, I can have my team we can prefill the form for you, send it out.","start":853.19,"end":859.43,"sentiment":"neutral","sentiment_score":0.23101879358291627},{"text":"That way, you just have to have it signed and witnessed.","start":859.43,"end":861.51,"sentiment":"neutral","sentiment_score":0.21133693104440515},{"text":"Is that okay?","start":861.51,"end":862.33,"sentiment":"neutral","sentiment_score":0.15245246390501657}],"sentiment":"neutral","sentiment_score":0.2238392462817634,"num_words":41,"start":851.03,"end":862.33},{"sentences":[{"text":"Yeah.","start":863.90497,"end":864.305,"sentiment":"positive","sentiment_score":0.4199236035346985},{"text":"We'll make it nice and easy on you.","start":864.305,"end":865.985,"sentiment":"positive","sentiment_score":0.4888525530695915},{"text":"Oh, good.","start":865.985,"end":866.385,"sentiment":"neutral","sentiment_score":0.1494680419564247},{"text":"What's your partner's name?","start":866.385,"end":867.925,"sentiment":"neutral","sentiment_score":0.04197445372119546},{"text":"Is it l a u r a?","start":870.46497,"end":872.40497,"sentiment":"neutral","sentiment_score":0.02354455872305802}],"sentiment":"neutral","sentiment_score":0.225563174452294,"num_words":22,"start":863.90497,"end":872.40497},{"sentences":[{"text":"Beautiful.","start":874.225,"end":874.625,"sentiment":"neutral","sentiment_score":0.1104625016450882},{"text":"And what was her surname?","start":874.625,"end":875.845,"sentiment":"neutral","sentiment_score":0.034482937306165695},{"text":"Beautiful.","start":879.82,"end":880.32,"sentiment":"neutral","sentiment_score":0.07800480723381042},{"text":"Do you know her date of birth at all?","start":880.38,"end":882.39996,"sentiment":"neutral","sentiment_score":0.019193894643750455},{"text":"Yep.","start":886.45996,"end":886.95996,"sentiment":"neutral","sentiment_score":0.006086438894271851}],"sentiment":"neutral","sentiment_score":0.03174785212339724,"num_words":17,"start":874.225,"end":886.95996},{"sentences":[{"text":"Yep.","start":888.22,"end":888.675,"sentiment":"neutral","sentiment_score":0.0027674753218889236},{"text":"1995.","start":891.075,"end":892.035,"sentiment":"neutral","sentiment_score":0.012623155489563942},{"text":"Beautiful.","start":892.035,"end":892.535,"sentiment":"neutral","sentiment_score":0.09897183626890182},{"text":"So it's the 03/09/1995.","start":892.595,"end":895.475,"sentiment":"neutral","sentiment_score":0.038185840472579},{"text":"Fantastic.","start":895.475,"end":895.975,"sentiment":"neutral","sentiment_score":0.19893701374530792}],"sentiment":"neutral","sentiment_score":0.05825535533949733,"num_words":8,"start":888.22,"end":895.975},{"sentences":[{"text":"Is her address the same as yours, or does she reside in a different address?","start":897.075,"end":901.095,"sentiment":"neutral","sentiment_score":0.030058021346728008},{"text":"Yep.","start":901.29,"end":901.79,"sentiment":"neutral","sentiment_score":0.0064508370123803616},{"text":"That's the one.","start":907.05,"end":907.76996,"sentiment":"neutral","sentiment_score":0.05265469973285993},{"text":"Yeah.","start":907.76996,"end":908.17,"sentiment":"neutral","sentiment_score":0.11743234097957612},{"text":"Perfect.","start":908.17,"end":908.67,"sentiment":"neutral","sentiment_score":0.32392728328704834}],"sentiment":"neutral","sentiment_score":0.05031642288945261,"num_words":21,"start":897.075,"end":908.67},{"sentences":[{"text":"Not a problem at all.","start":908.97,"end":909.93,"sentiment":"neutral","sentiment_score":0.3000132441520691},{"text":"And I'll tick staff for that one.","start":909.93,"end":911.69,"sentiment":"neutral","sentiment_score":0.2875771288360868},{"text":"And you're happy with me ticking a 100% of the nomination to be paid to have?","start":911.69,"end":915.705,"sentiment":"positive","sentiment_score":0.3502625394612551},{"text":"Beautiful.","start":917.865,"end":918.365,"sentiment":"positive","sentiment_score":0.6699472069740295},{"text":"Lovely.","start":918.585,"end":918.905,"sentiment":"positive","sentiment_score":0.6367960572242737}],"sentiment":"positive","sentiment_score":0.34746833393971127,"num_words":30,"start":908.97,"end":918.905},{"sentences":[{"text":"And we can update that for your super annual life insurance.","start":918.905,"end":921.78503,"sentiment":"positive","sentiment_score":0.4039151966571808},{"text":"Is that okay?","start":921.78503,"end":922.505,"sentiment":"neutral","sentiment_score":0.06637731691201527},{"text":"Or yeah.","start":922.505,"end":925.78503,"sentiment":"neutral","sentiment_score":0.2675040699541569},{"text":"Beautiful.","start":925.78503,"end":926.28503,"sentiment":"positive","sentiment_score":0.7484476566314697},{"text":"Lovely.","start":926.34503,"end":926.66504,"sentiment":"positive","sentiment_score":0.6614831686019897}],"sentiment":"positive","sentiment_score":0.36595211550593376,"num_words":18,"start":918.905,"end":926.66504},{"sentences":[{"text":"Just need to get clarification.","start":926.66504,"end":927.885,"sentiment":"neutral","sentiment_score":0.25023152828216555},{"text":"You're happy for me to take care of that.","start":927.945,"end":929.54504,"sentiment":"positive","sentiment_score":0.5077618128723569},{"text":"But, look, you're busy, so we'll take care of the hard work in filling out this form.","start":929.54504,"end":933.4,"sentiment":"neutral","sentiment_score":0.3217416905304965},{"text":"And then we can either email it or post it to you, and we can have that nomination updated nice and easily.","start":933.4,"end":938.92004,"sentiment":"positive","sentiment_score":0.45977347140962427},{"text":"That way it reflects your wishes.","start":938.92004,"end":940.86005,"sentiment":"positive","sentiment_score":0.6325760831435522}],"sentiment":"positive","sentiment_score":0.427137212985653,"num_words":59,"start":926.66504,"end":940.86005},{"sentences":[{"text":"And that way your family don't have to in the event something was to happen, don't have a stressful time claiming.","start":941.0,"end":945.98004,"sentiment":"positive","sentiment_score":0.4238016541515078},{"text":"Okay.","start":948.47504,"end":948.715,"sentiment":"positive","sentiment_score":0.4733375906944275},{"text":"Fantastic.","start":948.715,"end":949.215,"sentiment":"positive","sentiment_score":0.6614916324615479},{"text":"Did you want us to email or post or both?","start":949.835,"end":952.155,"sentiment":"neutral","sentiment_score":0.1934316299855709},{"text":"What's easier for you, Hayden?","start":952.155,"end":953.695,"sentiment":"neutral","sentiment_score":0.1870824635028839}],"sentiment":"positive","sentiment_score":0.3395892783607307,"num_words":38,"start":941.0,"end":953.695},{"sentences":[{"text":"You have you have to print and sign and get two witnesses.","start":962.08997,"end":965.38995,"sentiment":"neutral","sentiment_score":0.030589685464898746},{"text":"Yeah.","start":965.52997,"end":966.01,"sentiment":"neutral","sentiment_score":0.034551188349723816},{"text":"Sorry.","start":966.01,"end":966.51,"sentiment":"neutral","sentiment_score":0.028228264302015305},{"text":"The paper?","start":969.93,"end":970.67,"sentiment":"neutral","sentiment_score":0.011686157435178757},{"text":"Yep.","start":971.705,"end":972.205,"sentiment":"neutral","sentiment_score":0.0604761503636837}],"sentiment":"neutral","sentiment_score":0.030217890792033252,"num_words":17,"start":962.08997,"end":972.205},{"sentences":[{"text":"Yeah.","start":972.825,"end":973.325,"sentiment":"neutral","sentiment_score":0.1284564882516861},{"text":"Not a problem at all.","start":973.625,"end":974.74506,"sentiment":"neutral","sentiment_score":0.24436182379722596},{"text":"We'll have a reply envelope in there pre addressed back to us to make it easier for you as well.","start":974.74506,"end":979.385,"sentiment":"neutral","sentiment_score":0.22583954334259032},{"text":"Okay.","start":979.385,"end":979.885,"sentiment":"neutral","sentiment_score":0.20241260528564453},{"text":"Fantastic.","start":981.465,"end":981.965,"sentiment":"positive","sentiment_score":0.6287052631378174}],"sentiment":"neutral","sentiment_score":0.23922051223261015,"num_words":28,"start":972.825,"end":981.965},{"sentences":[{"text":"All good.","start":982.505,"end":983.325,"sentiment":"positive","sentiment_score":0.5345655679702759},{"text":"Now with the life amount that you are covered for there, as I kinda mentioned, the sum insured, 330,750.","start":983.79,"end":991.07,"sentiment":"neutral","sentiment_score":0.12963325412649856},{"text":"Are you happy with the level of cover you have, or did you wanna look at maybe increasing or altering that level of cover?","start":991.07,"end":997.08997,"sentiment":"neutral","sentiment_score":0.03746878130671879},{"text":"That's fine.","start":999.885,"end":1000.605,"sentiment":"neutral","sentiment_score":0.1849571093916893},{"text":"Beautiful.","start":1000.605,"end":1001.105,"sentiment":"positive","sentiment_score":0.34487229585647583}],"sentiment":"neutral","sentiment_score":0.10721250479885687,"num_words":48,"start":982.505,"end":1001.105},{"sentences":[{"text":"Now with t p yes.","start":1001.325,"end":1003.345,"sentiment":"neutral","sentiment_score":0.014629043638706207},{"text":"You're absolutely fine.","start":1006.525,"end":1007.725,"sentiment":"neutral","sentiment_score":0.06280991062521935},{"text":"So, yeah, you do pay for the out of your super, and you pay for it on a yearly basis.","start":1007.725,"end":1011.725,"sentiment":"neutral","sentiment_score":0.04126818599179387},{"text":"So the total for your life, PPD, and income protection you paid for recently is a $1,782.89.","start":1011.725,"end":1020.16003,"sentiment":"neutral","sentiment_score":0.06807022563674871},{"text":"Yeah.","start":1022.3,"end":1022.62,"sentiment":"neutral","sentiment_score":0.029468588531017303}],"sentiment":"neutral","sentiment_score":0.04942611074480026,"num_words":46,"start":1001.325,"end":1022.62},{"sentences":[{"text":"And you just pay once a year out of your super fund.","start":1022.62,"end":1025.115,"sentiment":"neutral","sentiment_score":0.0335733067865173},{"text":"So the idea is we want it to come out of the growth and all the income that your super is generating.","start":1025.115,"end":1029.615,"sentiment":"neutral","sentiment_score":0.24638518115336244},{"text":"That way your super still continues to grow, but you also get to have the level of cover that you need.","start":1029.915,"end":1034.875,"sentiment":"neutral","sentiment_score":0.24708206738744462},{"text":"Does that make sense?","start":1034.875,"end":1036.015,"sentiment":"neutral","sentiment_score":0.11383313499391079},{"text":"Yeah.","start":1037.035,"end":1037.535,"sentiment":"positive","sentiment_score":0.3979063630104065}],"sentiment":"neutral","sentiment_score":0.19775526641557614,"num_words":60,"start":1022.62,"end":1037.535},{"sentences":[{"text":"Excellent.","start":1038.12,"end":1038.62,"sentiment":"positive","sentiment_score":0.619908332824707},{"text":"Now you also have the same level of cover for TPD.","start":1039.56,"end":1042.22,"sentiment":"neutral","sentiment_score":0.2455295439470898},{"text":"So TPD is total permanent total permanent disablement.","start":1042.36,"end":1046.3,"sentiment":"neutral","sentiment_score":0.05492186895571649},{"text":"It essentially pays out either a lump sum benefit or an income stream in the event that you're disabled and not able to go back to work again.","start":1047.0,"end":1054.595,"sentiment":"neutral","sentiment_score":0.07127594448892134},{"text":"To meet that definition of TBD, you have to be unable to go to back to any job for which you are educated, trained, or have worked in previously.","start":1055.135,"end":1063.695,"sentiment":"neutral","sentiment_score":0.0010298299121445623}],"sentiment":"neutral","sentiment_score":0.07513895819520021,"num_words":77,"start":1038.12,"end":1063.695},{"sentences":[{"text":"So it is quite a broad definition.","start":1063.695,"end":1065.475,"sentiment":"neutral","sentiment_score":0.03990764543414116},{"text":"Do you think that that level of cover is suitable for you?","start":1066.72,"end":1069.84,"sentiment":"neutral","sentiment_score":0.02860590536147356},{"text":"Did you wanna look at altering the TPD level of cover you have?","start":1069.84,"end":1073.12,"sentiment":"neutral","sentiment_score":-0.019390591491873447},{"text":"Or that's okay?","start":1073.12,"end":1076.98,"sentiment":"neutral","sentiment_score":0.02862265706062317},{"text":"Yeah.","start":1077.0399,"end":1077.52,"sentiment":"neutral","sentiment_score":0.22135302424430847}],"sentiment":"neutral","sentiment_score":0.01882688023356928,"num_words":36,"start":1063.695,"end":1077.52},{"sentences":[{"text":"Beautiful.","start":1077.52,"end":1078.02,"sentiment":"positive","sentiment_score":0.4770849943161011},{"text":"And then you've also got some income protection here as well.","start":1078.505,"end":1081.305,"sentiment":"neutral","sentiment_score":0.15360402925447983},{"text":"So income protection pays out a monthly benefit if you're unable to work in the short term due to due to illness or injury.","start":1081.305,"end":1087.7251,"sentiment":"neutral","sentiment_score":0.00845180832160016},{"text":"Income wise, I don't have an updated income.","start":1088.5851,"end":1090.9851,"sentiment":"neutral","sentiment_score":-0.0798469283618033},{"text":"What do you estimate your income to be this year?","start":1090.9851,"end":1093.645,"sentiment":"neutral","sentiment_score":-0.014465551637113095}],"sentiment":"neutral","sentiment_score":0.02937299578830048,"num_words":54,"start":1077.52,"end":1093.645},{"sentences":[{"text":"Okay.","start":1104.0801,"end":1104.5801,"sentiment":"neutral","sentiment_score":0.049667395651340485},{"text":"Yep.","start":1106.4149,"end":1106.6549,"sentiment":"neutral","sentiment_score":0.049726031720638275},{"text":"Yep.","start":1106.6549,"end":1106.975,"sentiment":"neutral","sentiment_score":0.05016237124800682},{"text":"That's okay.","start":1106.975,"end":1107.875,"sentiment":"neutral","sentiment_score":0.04331013560295105},{"text":"Okay.","start":1110.495,"end":1110.8949,"sentiment":"neutral","sentiment_score":0.02397740073502064}],"sentiment":"neutral","sentiment_score":0.043358911760151386,"num_words":6,"start":1104.0801,"end":1110.8949},{"sentences":[{"text":"And is your business is is your business set up as are you a sole trader or a company?","start":1110.8949,"end":1115.6349,"sentiment":"neutral","sentiment_score":0.013262189385530195},{"text":"Or okay.","start":1115.695,"end":1118.6699,"sentiment":"neutral","sentiment_score":0.05852029100060463},{"text":"Beautiful.","start":1118.6699,"end":1119.1499,"sentiment":"positive","sentiment_score":0.3663061857223511},{"text":"So you pay yourself as an employee.","start":1119.1499,"end":1120.77,"sentiment":"neutral","sentiment_score":0.18812745383807591},{"text":"Yeah.","start":1120.99,"end":1121.3099,"sentiment":"neutral","sentiment_score":0.13151815533638}],"sentiment":"neutral","sentiment_score":0.07279128994171818,"num_words":30,"start":1110.8949,"end":1121.3099},{"sentences":[{"text":"Excellent.","start":1121.3099,"end":1121.8099,"sentiment":"neutral","sentiment_score":0.3049814701080322},{"text":"Yep.","start":1122.99,"end":1123.47,"sentiment":"neutral","sentiment_score":0.13247248530387878},{"text":"Absolutely.","start":1123.47,"end":1123.97,"sentiment":"neutral","sentiment_score":0.1949533224105835},{"text":"So now if we had a bit of a look with income protection, you can be covered for up to 70% of your, essentially, your gross income.","start":1124.35,"end":1131.595,"sentiment":"neutral","sentiment_score":0.11795240061150657},{"text":"Based on your with what you're insured for at the moment, your monthly benefit you're insured for is 3,094 pretax.","start":1132.855,"end":1140.3949,"sentiment":"neutral","sentiment_score":0.069962309114635}],"sentiment":"neutral","sentiment_score":0.10432736553251744,"num_words":50,"start":1121.3099,"end":1140.3949},{"sentences":[{"text":"So if you were on an income protection claim, just like your income, you are taxed on the amount that you receive.","start":1140.615,"end":1146.85,"sentiment":"neutral","sentiment_score":-0.03607946202497591},{"text":"So say you've received about 2,800 from a monthly benefit sort of give or take net.","start":1147.3099,"end":1153.25,"sentiment":"neutral","sentiment_score":-0.007186628208728507},{"text":"Would that benefit amount cover you, or do you think you might need to increase that?","start":1154.0299,"end":1157.95,"sentiment":"neutral","sentiment_score":-0.07885865843854845},{"text":"Because based on a 120,000, you're a little bit low.","start":1157.95,"end":1161.565,"sentiment":"neutral","sentiment_score":-0.2528664872050285},{"text":"The income protection, you are a bit underinsured there.","start":1161.565,"end":1164.7849,"sentiment":"negative","sentiment_score":-0.3732111520237393}],"sentiment":"neutral","sentiment_score":-0.11038408207081973,"num_words":73,"start":1140.615,"end":1164.7849},{"sentences":[{"text":"Do you feel like you need to have maybe increase that, or do you feel like if you weren't able to work, you've got enough in the way of the business income and maybe have enough in the bank to cover you, or what's your thought?","start":1165.325,"end":1176.71,"sentiment":"neutral","sentiment_score":-0.26236555352807045},{"text":"Yep.","start":1181.97,"end":1182.2899,"sentiment":"neutral","sentiment_score":0.23111890256404877},{"text":"Okay.","start":1182.2899,"end":1182.7899,"sentiment":"neutral","sentiment_score":0.18100912868976593},{"text":"Yeah.","start":1184.69,"end":1185.01,"sentiment":"neutral","sentiment_score":0.3249596953392029},{"text":"Perfect.","start":1185.01,"end":1185.4099,"sentiment":"positive","sentiment_score":0.5759141445159912}],"sentiment":"neutral","sentiment_score":-0.21511627182364465,"num_words":50,"start":1165.325,"end":1185.4099},{"sentences":[{"text":"So they can still keep doing the jobs, and you can still pay keep paying yourself to to provide that offset.","start":1185.4099,"end":1190.765,"sentiment":"positive","sentiment_score":0.34475546791439965},{"text":"Yep.","start":1191.145,"end":1191.645,"sentiment":"neutral","sentiment_score":0.10805746912956238},{"text":"Excellent.","start":1192.505,"end":1193.005,"sentiment":"positive","sentiment_score":0.52262282371521},{"text":"Now you've also got a thirty day waiting period with that one, so it does mean that you just have to be off work for thirty days prior to making a claim.","start":1193.305,"end":1199.9651,"sentiment":"neutral","sentiment_score":0.046864412375725806},{"text":"I like to maybe suggest that if you feel like you're gonna be off work and meet that waiting period and something happens, give us a call, let us know.","start":1200.3451,"end":1206.99,"sentiment":"neutral","sentiment_score":0.049114909023046494}],"sentiment":"neutral","sentiment_score":0.12757239512660923,"num_words":85,"start":1185.4099,"end":1206.99},{"sentences":[{"text":"That way, we can let the insurer know that the claim needs to start, and they can start calculating that thirty day waiting period for you.","start":1207.21,"end":1214.19,"sentiment":"neutral","sentiment_score":0.1529676727950573},{"text":"We can get the claims documents sorted.","start":1214.25,"end":1216.1699,"sentiment":"neutral","sentiment_score":0.1472912590418543},{"text":"That way, when you hit that thirty days, we can submit everything and try to get the claim processed as quickly as possible for you.","start":1216.1699,"end":1222.405,"sentiment":"neutral","sentiment_score":0.206870853304863},{"text":"Okay?","start":1222.545,"end":1223.045,"sentiment":"neutral","sentiment_score":0.08382194489240646},{"text":"Excellent.","start":1224.225,"end":1224.725,"sentiment":"positive","sentiment_score":0.4603328704833984}],"sentiment":"neutral","sentiment_score":0.17873540756603082,"num_words":60,"start":1207.21,"end":1224.725},{"sentences":[{"text":"Yeah.","start":1230.16,"end":1230.4,"sentiment":"neutral","sentiment_score":-0.0222347192466259},{"text":"So it takes you have to wait the thirty days prior to putting the claim documents in, and then it generally takes about another thirty days for them to complete the assessment of the claim, and you are paid thirty days in arrears.","start":1230.4,"end":1240.82,"sentiment":"neutral","sentiment_score":-0.09508640760945719},{"text":"So, realistically, you could be off work and not having any income for about sixty to ninety days prior to you actually receiving your first payment.","start":1240.88,"end":1249.905,"sentiment":"neutral","sentiment_score":-0.1980572405915994},{"text":"That is if it all goes accordingly.","start":1250.125,"end":1251.985,"sentiment":"neutral","sentiment_score":-0.26147828357560293},{"text":"I have seen it happen faster, but you would definitely be off work and probably not receiving any kind of income for the first at least sixty days.","start":1252.2051,"end":1259.9299,"sentiment":"neutral","sentiment_score":-0.31130777139748844}],"sentiment":"neutral","sentiment_score":-0.1886419436761311,"num_words":105,"start":1230.16,"end":1259.9299},{"sentences":[{"text":"So they'll assess yeah.","start":1265.51,"end":1267.9299,"sentiment":"neutral","sentiment_score":0.03486507385969162},{"text":"They'll assess essentially when you go back to work and whether because you are paid in arrears, as long as you've met that thirty day waiting period.","start":1268.47,"end":1276.315,"sentiment":"neutral","sentiment_score":0.037798542667318275},{"text":"If in that next thirty days you happen to go back to work, they'll just assess whether you were eligible for anything based on everything that was submitted, and you might get a week or two or one month payment there for you as well.","start":1276.375,"end":1288.03,"sentiment":"neutral","sentiment_score":0.12636368026336034},{"text":"So there is a chance you could get a payment.","start":1288.03,"end":1290.27,"sentiment":"neutral","sentiment_score":0.2114919602870941},{"text":"It just all comes down to what happens, what the illness of injury is, how quickly we get everything in and get the claim started, but also how long you're off work for and what what happens long term.","start":1290.27,"end":1301.25,"sentiment":"neutral","sentiment_score":-0.062236192039190195}],"sentiment":"neutral","sentiment_score":0.05227275738120079,"num_words":125,"start":1265.51,"end":1301.25},{"sentences":[{"text":"Yeah.","start":1303.275,"end":1303.775,"sentiment":"neutral","sentiment_score":0.15361535549163818},{"text":"So all good.","start":1304.635,"end":1305.4349,"sentiment":"positive","sentiment_score":0.45278189579645794},{"text":"You've also got an age 65 benefit period there, which means that if anything did happen, you can be on a claim up to the age of 65.","start":1305.4349,"end":1312.655,"sentiment":"neutral","sentiment_score":0.16133931558579206},{"text":"Normally, with these sort of claims, if you are on an income protection claim long term, say, more than, you know, five or ten years, they often then do a bit of a big payout, so you're not getting a monthly benefit for till age 65.","start":1312.875,"end":1325.38,"sentiment":"neutral","sentiment_score":0.020082042916961338},{"text":"However, it does depend on the claim.","start":1326.0,"end":1327.92,"sentiment":"neutral","sentiment_score":-0.04116379309977804}],"sentiment":"neutral","sentiment_score":0.07841281531488194,"num_words":85,"start":1303.275,"end":1327.92},{"sentences":[{"text":"There's a few different factors that sort of go into play there.","start":1327.92,"end":1330.985,"sentiment":"neutral","sentiment_score":-0.05218550997475783},{"text":"But having an age 65 benefit period is good.","start":1331.125,"end":1333.765,"sentiment":"neutral","sentiment_score":0.28524209890100694},{"text":"It does mean if something happens, especially in your area with what you do for a living.","start":1333.765,"end":1338.3251,"sentiment":"neutral","sentiment_score":0.14432613420135834},{"text":"If you weren't ever able to get back to work again, you can be on a claim giving you a bit of supplement income to the age of 65, which does sort of help with the benefit.","start":1338.3251,"end":1347.51,"sentiment":"neutral","sentiment_score":0.17341071568630836},{"text":"Okay.","start":1347.81,"end":1348.31,"sentiment":"neutral","sentiment_score":0.19128207862377167}],"sentiment":"neutral","sentiment_score":0.14476283698489792,"num_words":76,"start":1327.92,"end":1348.31},{"sentences":[{"text":"All good.","start":1350.37,"end":1350.77,"sentiment":"positive","sentiment_score":0.39857320487499237},{"text":"Do you have any questions about how any of those insurances work, the lack of teeth that is the income protection?","start":1350.77,"end":1355.7301,"sentiment":"neutral","sentiment_score":0.017264606652870065},{"text":"You're welcome to ask me to clarify more if you need to.","start":1355.7301,"end":1358.775,"sentiment":"neutral","sentiment_score":0.1513928764810165},{"text":"Yeah.","start":1361.3151,"end":1361.7151,"sentiment":"neutral","sentiment_score":0.27805060148239136},{"text":"All good.","start":1361.7151,"end":1362.115,"sentiment":"positive","sentiment_score":0.628467321395874}],"sentiment":"neutral","sentiment_score":0.1187211292501735,"num_words":38,"start":1350.37,"end":1362.115},{"sentences":[{"text":"It's always a a funny one.","start":1362.115,"end":1363.635,"sentiment":"positive","sentiment_score":0.3711891323328018},{"text":"Like, the insurances, we pay for all the insurances we have to cover us.","start":1363.635,"end":1367.0751,"sentiment":"neutral","sentiment_score":0.09534247325999397},{"text":"If in the event something was to happen, it might only be a one or 2% chance it's actually claiming.","start":1367.0751,"end":1372.2151,"sentiment":"neutral","sentiment_score":0.024352633487433197},{"text":"And the biggest risk we have is that we hold the insurances.","start":1372.49,"end":1375.15,"sentiment":"neutral","sentiment_score":-0.12298222569127877},{"text":"We keep paying the premiums, and we never actually claim on them.","start":1375.2101,"end":1378.25,"sentiment":"neutral","sentiment_score":-0.07255997819205125}],"sentiment":"neutral","sentiment_score":0.026601181918522343,"num_words":64,"start":1362.115,"end":1378.25},{"sentences":[{"text":"They just expire or we cancel them later down the track.","start":1378.25,"end":1380.9701,"sentiment":"neutral","sentiment_score":-0.05467215383594686},{"text":"So it's kind of a gotta love that one, don't you?","start":1380.9701,"end":1385.4701,"sentiment":"neutral","sentiment_score":0.08496472374959425},{"text":"All good.","start":1387.885,"end":1388.7051,"sentiment":"positive","sentiment_score":0.39105290174484253},{"text":"Now you don't happen to have any insurances outside of super, like, trauma.","start":1388.765,"end":1392.625,"sentiment":"neutral","sentiment_score":0.007904595767076198},{"text":"Did you want me to talk you through what trauma is, how that works?","start":1393.0851,"end":1396.125,"sentiment":"neutral","sentiment_score":0.028915859891899993}],"sentiment":"neutral","sentiment_score":0.031821683450948955,"num_words":51,"start":1378.25,"end":1396.125},{"sentences":[{"text":"Are you happy just for the three types of cover you have?","start":1396.125,"end":1398.99,"sentiment":"neutral","sentiment_score":0.07344984263181686},{"text":"Happy?","start":1401.95,"end":1402.27,"sentiment":"neutral","sentiment_score":0.3020645081996918},{"text":"That's okay.","start":1402.27,"end":1402.91,"sentiment":"neutral","sentiment_score":0.19305714964866638},{"text":"If you ever have any more questions, want them broken down, or more further detail, let me know.","start":1402.91,"end":1407.47,"sentiment":"neutral","sentiment_score":0.09091044465700786},{"text":"More than happy to do so.","start":1407.47,"end":1408.59,"sentiment":"neutral","sentiment_score":0.2854578495025635}],"sentiment":"neutral","sentiment_score":0.1261208210235987,"num_words":39,"start":1396.125,"end":1408.59},{"sentences":[{"text":"We can review this at any time with you as well.","start":1408.59,"end":1411.215,"sentiment":"neutral","sentiment_score":0.18560083345933395},{"text":"One of the biggest things to sort of keep in mind is that these insurances do get more expensive over time.","start":1411.455,"end":1416.095,"sentiment":"neutral","sentiment_score":-0.10586841209303766},{"text":"So as you go through a renewal every year, the cost of the insurances increases, but also the amount you're covered for increases as well.","start":1416.095,"end":1424.255,"sentiment":"neutral","sentiment_score":-0.06956626325845719},{"text":"So, you know, you get the benefit of having, yeah, an increase every year on how much you're covered for, but, unfortunately, the premium is gonna get more expensive the older you get as well.","start":1424.255,"end":1434.71,"sentiment":"neutral","sentiment_score":-0.08359840246183532},{"text":"So we'll make sure we keep reviewing these with you and alter the cover as we need to moving forward.","start":1434.71,"end":1439.7699,"sentiment":"neutral","sentiment_score":-0.024217817280441523}],"sentiment":"neutral","sentiment_score":-0.04759896874228226,"num_words":112,"start":1408.59,"end":1439.7699},{"sentences":[{"text":"Okay?","start":1439.83,"end":1440.33,"sentiment":"neutral","sentiment_score":0.018939686939120293},{"text":"Fantastic.","start":1442.945,"end":1443.445,"sentiment":"positive","sentiment_score":0.4647121727466583},{"text":"Now just to sort of update all your assets here as well, I've got your main primary residence down there.","start":1444.5449,"end":1449.505,"sentiment":"neutral","sentiment_score":0.10801682211458682},{"text":"You had an asset value last time of about 1,200,000.","start":1449.505,"end":1454.245,"sentiment":"neutral","sentiment_score":0.032326946035027504},{"text":"What sort of value would you put on the property now, do you think?","start":1454.63,"end":1457.53,"sentiment":"neutral","sentiment_score":0.02924558307443346}],"sentiment":"neutral","sentiment_score":0.07340643316021432,"num_words":46,"start":1439.83,"end":1457.53},{"sentences":[{"text":"Yeah.","start":1465.51,"end":1465.8301,"sentiment":"neutral","sentiment_score":0.032796334475278854},{"text":"Yeah.","start":1465.8301,"end":1466.2301,"sentiment":"neutral","sentiment_score":0.05801655724644661},{"text":"Perfect.","start":1466.2301,"end":1466.7301,"sentiment":"neutral","sentiment_score":0.14938373863697052},{"text":"That's Excellent.","start":1467.3501,"end":1469.615,"sentiment":"positive","sentiment_score":0.5864112675189972},{"text":"Excellent.","start":1469.675,"end":1470.175,"sentiment":"positive","sentiment_score":0.6845061182975769}],"sentiment":"positive","sentiment_score":0.3495875472823779,"num_words":6,"start":1465.51,"end":1470.175},{"sentences":[{"text":"And what sort of do you have a loan on that one still?","start":1470.3151,"end":1473.855,"sentiment":"neutral","sentiment_score":0.07890855234402877},{"text":"Yep.","start":1476.155,"end":1476.555,"sentiment":"neutral","sentiment_score":0.03522273898124695},{"text":"How much do you have owing on that one still at the moment?","start":1476.555,"end":1478.895,"sentiment":"neutral","sentiment_score":0.017385051800654486},{"text":"That's okay.","start":1494.185,"end":1495.005,"sentiment":"neutral","sentiment_score":0.24162375181913376},{"text":"Yeah.","start":1495.8651,"end":1496.3651,"sentiment":"neutral","sentiment_score":0.03413225710391998}],"sentiment":"neutral","sentiment_score":0.060147311786810556,"num_words":30,"start":1470.3151,"end":1496.3651},{"sentences":[{"text":"Even just an approximate figure.","start":1496.7451,"end":1498.525,"sentiment":"neutral","sentiment_score":-0.007020715624094009},{"text":"Alright.","start":1500.3451,"end":1500.8451,"sentiment":"neutral","sentiment_score":0.02513623796403408},{"text":"And do you remember what the loan was when you purchased the property?","start":1500.905,"end":1503.885,"sentiment":"neutral","sentiment_score":0.004238686237770777},{"text":"Yeah.","start":1511.3999,"end":1511.6399,"sentiment":"neutral","sentiment_score":0.02099234238266945},{"text":"You're right.","start":1511.6399,"end":1512.46,"sentiment":"neutral","sentiment_score":0.04849809780716896}],"sentiment":"neutral","sentiment_score":0.007414732678708705,"num_words":22,"start":1496.7451,"end":1512.46},{"sentences":[{"text":"Yep.","start":1516.44,"end":1516.84,"sentiment":"neutral","sentiment_score":0.09209980070590972},{"text":"Perfect.","start":1516.84,"end":1517.34,"sentiment":"neutral","sentiment_score":0.2604106664657593},{"text":"That's okay.","start":1521.465,"end":1522.365,"sentiment":"neutral","sentiment_score":0.10346585139632226},{"text":"$9.06.","start":1548.6951,"end":1549.335,"sentiment":"neutral","sentiment_score":0.026918044313788417},{"text":"Beautiful.","start":1549.335,"end":1549.835,"sentiment":"positive","sentiment_score":0.4738388657569885}],"sentiment":"neutral","sentiment_score":0.17669984667251507,"num_words":6,"start":1516.44,"end":1549.835},{"sentences":[{"text":"Thank you for that.","start":1550.055,"end":1551.1951,"sentiment":"positive","sentiment_score":0.6159049719572067},{"text":"And do you have any other cars, boats, caravans, anything else of value?","start":1551.8151,"end":1556.155,"sentiment":"neutral","sentiment_score":0.11452378963048641},{"text":"Yep.","start":1560.67,"end":1560.91,"sentiment":"neutral","sentiment_score":0.025357894599437714},{"text":"What kind of car do you drive?","start":1560.91,"end":1562.29,"sentiment":"neutral","sentiment_score":0.016767134490822042},{"text":"Oh, nice.","start":1565.79,"end":1566.53,"sentiment":"neutral","sentiment_score":0.19998712092638016}],"sentiment":"neutral","sentiment_score":0.16648634188567046,"num_words":27,"start":1550.055,"end":1566.53},{"sentences":[{"text":"Yeah.","start":1566.75,"end":1567.15,"sentiment":"neutral","sentiment_score":0.1510558724403381},{"text":"Perfect.","start":1567.15,"end":1567.65,"sentiment":"neutral","sentiment_score":0.25348928570747375},{"text":"And what sort of value would you put on that, do you think?","start":1568.1101,"end":1570.575,"sentiment":"neutral","sentiment_score":0.057660116599156305},{"text":"Yeah.","start":1574.735,"end":1575.135,"sentiment":"neutral","sentiment_score":0.14693185687065125},{"text":"Perfect.","start":1575.135,"end":1575.635,"sentiment":"neutral","sentiment_score":0.32480818033218384}],"sentiment":"neutral","sentiment_score":0.09563921830233406,"num_words":17,"start":1566.75,"end":1575.635},{"sentences":[{"text":"Go on the top range there.","start":1575.7749,"end":1576.735,"sentiment":"neutral","sentiment_score":0.22783788293600082},{"text":"They tend to hold their value quite nicely, the D Maxes.","start":1576.735,"end":1579.475,"sentiment":"neutral","sentiment_score":0.20130865546790036},{"text":"And do you have a loan on that one, or do you own it outright?","start":1582.495,"end":1585.315,"sentiment":"neutral","sentiment_score":0.02469107583165169},{"text":"Own it outright.","start":1588.2401,"end":1589.04,"sentiment":"neutral","sentiment_score":0.036847069238622986},{"text":"Beautiful.","start":1589.04,"end":1589.54,"sentiment":"neutral","sentiment_score":0.2795849144458771}],"sentiment":"neutral","sentiment_score":0.12060874353887306,"num_words":36,"start":1575.7749,"end":1589.54},{"sentences":[{"text":"And yeah.","start":1590.0801,"end":1591.28,"sentiment":"neutral","sentiment_score":0.10025384649634361},{"text":"Excellent.","start":1591.28,"end":1591.68,"sentiment":"neutral","sentiment_score":0.24997538328170776},{"text":"Do you have any shares, cryptocurrency, collections, or tools of trade that you'd note down a value?","start":1591.68,"end":1596.5801,"sentiment":"neutral","sentiment_score":0.07322277873754501},{"text":"Yep.","start":1599.615,"end":1600.115,"sentiment":"neutral","sentiment_score":0.04731202870607376},{"text":"If you sorta had to put a value on all your tools, what do you think you might value them at?","start":1601.5349,"end":1605.875,"sentiment":"neutral","sentiment_score":0.04696215121518998}],"sentiment":"neutral","sentiment_score":0.06497113140566009,"num_words":42,"start":1590.0801,"end":1605.875},{"sentences":[{"text":"Yeah.","start":1612.4299,"end":1612.9299,"sentiment":"neutral","sentiment_score":0.1711185872554779},{"text":"Beautiful.","start":1613.1499,"end":1613.6499,"sentiment":"positive","sentiment_score":0.4035649597644806},{"text":"And and the other thing I do like to yeah.","start":1614.99,"end":1617.47,"sentiment":"neutral","sentiment_score":0.14187982752919198},{"text":"Fantastic.","start":1617.47,"end":1617.97,"sentiment":"positive","sentiment_score":0.5122644901275635},{"text":"The other thing I do like to note down is the contents.","start":1618.99,"end":1621.3099,"sentiment":"neutral","sentiment_score":0.1320881024003029}],"sentiment":"neutral","sentiment_score":0.16363214164972306,"num_words":25,"start":1612.4299,"end":1621.3099},{"sentences":[{"text":"Because when you look at everything you have in your house, realistically, the contents is quite valuable.","start":1621.3099,"end":1625.9451,"sentiment":"neutral","sentiment_score":0.03667730838060379},{"text":"We tend to ensure that to protect, you know, if we had to replace everything.","start":1625.9451,"end":1630.2051,"sentiment":"neutral","sentiment_score":0.03325486853718758},{"text":"What do you estimate your contents or value might be if your content?","start":1630.745,"end":1634.285,"sentiment":"neutral","sentiment_score":0.008412823869058719},{"text":"Yep.","start":1641.9601,"end":1642.28,"sentiment":"neutral","sentiment_score":0.008947732858359814},{"text":"20 thousand?","start":1642.28,"end":1643.18,"sentiment":"neutral","sentiment_score":0.009402045980095863}],"sentiment":"neutral","sentiment_score":0.02623866261759152,"num_words":48,"start":1621.3099,"end":1643.18},{"sentences":[{"text":"Yep.","start":1644.36,"end":1644.86,"sentiment":"neutral","sentiment_score":0.13176210224628448},{"text":"Beautiful.","start":1645.0,"end":1645.5,"sentiment":"positive","sentiment_score":0.6736580729484558},{"text":"Excellent.","start":1645.88,"end":1646.38,"sentiment":"positive","sentiment_score":0.7595484256744385},{"text":"Lovely.","start":1647.7201,"end":1648.12,"sentiment":"positive","sentiment_score":0.6820434331893921},{"text":"And do you have any credit cards or personal loans or anything else that you need to note down liability wise?","start":1648.12,"end":1653.02,"sentiment":"neutral","sentiment_score":0.08702570625713893}],"sentiment":"neutral","sentiment_score":0.16298207461833955,"num_words":25,"start":1644.36,"end":1653.02},{"sentences":[{"text":"Yep.","start":1658.625,"end":1658.945,"sentiment":"neutral","sentiment_score":0.011498740874230862},{"text":"No.","start":1658.945,"end":1659.1849,"sentiment":"neutral","sentiment_score":-0.04965054988861084},{"text":"That's okay.","start":1659.1849,"end":1660.005,"sentiment":"neutral","sentiment_score":0.0018117353320121765},{"text":"Yeah.","start":1660.785,"end":1661.105,"sentiment":"neutral","sentiment_score":0.08083570748567581},{"text":"That's fine as well.","start":1661.105,"end":1662.3049,"sentiment":"neutral","sentiment_score":0.16376811265945435}],"sentiment":"neutral","sentiment_score":0.07793109108590418,"num_words":9,"start":1658.625,"end":1662.3049},{"sentences":[{"text":"All set by the company.","start":1662.3049,"end":1663.6849,"sentiment":"neutral","sentiment_score":0.12411956787109375},{"text":"Fantastic.","start":1663.905,"end":1664.405,"sentiment":"positive","sentiment_score":0.5136085748672485},{"text":"And I've got your as you mentioned, your income here of about 120,000, and you're just making contributions of about a $100.","start":1665.69,"end":1672.1699,"sentiment":"neutral","sentiment_score":0.11289145289496942},{"text":"It looks like it's on a weekly basis.","start":1672.1699,"end":1673.9299,"sentiment":"neutral","sentiment_score":0.0653915973380208},{"text":"Is that right?","start":1673.9299,"end":1674.75,"sentiment":"neutral","sentiment_score":0.06931902344028155}],"sentiment":"neutral","sentiment_score":0.1115104673573604,"num_words":39,"start":1662.3049,"end":1674.75},{"sentences":[{"text":"Yep.","start":1681.465,"end":1681.965,"sentiment":"neutral","sentiment_score":-0.006921994499862194},{"text":"The payday.","start":1682.265,"end":1682.845,"sentiment":"neutral","sentiment_score":-0.01933433674275875},{"text":"Yep.","start":1688.585,"end":1689.085,"sentiment":"neutral","sentiment_score":-0.0002662862534634769},{"text":"Yep.","start":1689.48,"end":1689.96,"sentiment":"neutral","sentiment_score":-0.003178211860358715},{"text":"So it's all Gotcha.","start":1689.96,"end":1691.58,"sentiment":"neutral","sentiment_score":0.0030942667508497834}],"sentiment":"neutral","sentiment_score":-0.004073122121755862,"num_words":9,"start":1681.465,"end":1691.58},{"sentences":[{"text":"Yep.","start":1692.44,"end":1692.94,"sentiment":"neutral","sentiment_score":0.015841428190469742},{"text":"Okay.","start":1695.08,"end":1695.5599,"sentiment":"neutral","sentiment_score":0.028456971049308777},{"text":"And the super, will that be going in at the 12% rate?","start":1695.5599,"end":1698.76,"sentiment":"neutral","sentiment_score":0.026938442140817642},{"text":"So on a 120,000, you can expect about 14,400 in contributions.","start":1698.76,"end":1703.42,"sentiment":"neutral","sentiment_score":0.0242238791490143},{"text":"Is that gonna be what we're sort of expecting?","start":1703.5599,"end":1705.505,"sentiment":"neutral","sentiment_score":0.027756317001250055}],"sentiment":"neutral","sentiment_score":0.025994977311176413,"num_words":34,"start":1692.44,"end":1705.505},{"sentences":[{"text":"Yep.","start":1707.485,"end":1707.985,"sentiment":"neutral","sentiment_score":0.02438257448375225},{"text":"Yeah.","start":1708.365,"end":1708.865,"sentiment":"neutral","sentiment_score":0.0030855746008455753},{"text":"Yeah.","start":1711.245,"end":1711.485,"sentiment":"neutral","sentiment_score":0.07695944607257843},{"text":"Absolutely.","start":1711.485,"end":1711.985,"sentiment":"neutral","sentiment_score":0.14770787954330444},{"text":"Not a problem at all.","start":1712.285,"end":1713.405,"sentiment":"neutral","sentiment_score":0.2741646707057953}],"sentiment":"neutral","sentiment_score":0.18032875869216192,"num_words":9,"start":1707.485,"end":1713.405},{"sentences":[{"text":"Fantastic.","start":1713.405,"end":1713.905,"sentiment":"positive","sentiment_score":0.5580028891563416},{"text":"Thank you for that.","start":1714.045,"end":1715.105,"sentiment":"positive","sentiment_score":0.5522104948759079},{"text":"And are you wanting to make additional contributions over and above that, like, say, you know, your $100 per week, say, salary sacrifice or non concessional, or you're just happy to see what what the, you know, SDC contributions do with you now being a company?","start":1715.325,"end":1731.35,"sentiment":"neutral","sentiment_score":0.16485816078341525},{"text":"Yep.","start":1736.2051,"end":1736.4451,"sentiment":"neutral","sentiment_score":0.03742741420865059},{"text":"That's absolutely fine.","start":1736.4451,"end":1737.905,"sentiment":"neutral","sentiment_score":0.19323964416980743}],"sentiment":"neutral","sentiment_score":0.19940848384391177,"num_words":55,"start":1713.405,"end":1737.905},{"sentences":[{"text":"Yeah.","start":1738.4451,"end":1738.845,"sentiment":"neutral","sentiment_score":0.08013990521430969},{"text":"No.","start":1738.845,"end":1739.085,"sentiment":"neutral","sentiment_score":0.09975162893533708},{"text":"Not a problem at all.","start":1739.085,"end":1740.465,"sentiment":"neutral","sentiment_score":0.14145994186401367},{"text":"And are you paying extra onto your mortgage sort of looking to try and pay that down as quickly as possible?","start":1740.605,"end":1745.585,"sentiment":"neutral","sentiment_score":0.03461629374041444},{"text":"Or kind of yeah.","start":1745.645,"end":1755.88,"sentiment":"neutral","sentiment_score":0.07952902931720018}],"sentiment":"neutral","sentiment_score":0.060382797790225595,"num_words":32,"start":1738.4451,"end":1755.88},{"sentences":[{"text":"Nice.","start":1755.88,"end":1756.38,"sentiment":"neutral","sentiment_score":0.33292725682258606},{"text":"Yeah.","start":1761.255,"end":1761.755,"sentiment":"neutral","sentiment_score":0.1096108853816986},{"text":"Yep.","start":1767.495,"end":1767.895,"sentiment":"neutral","sentiment_score":0.15492747724056244},{"text":"Perfect.","start":1767.895,"end":1768.395,"sentiment":"positive","sentiment_score":0.4900707006454468},{"text":"So create a similar income stream.","start":1768.455,"end":1770.235,"sentiment":"neutral","sentiment_score":0.18401800468564034}],"sentiment":"neutral","sentiment_score":0.2191644348204136,"num_words":10,"start":1755.88,"end":1770.235},{"sentences":[{"text":"Yep.","start":1770.55,"end":1771.05,"sentiment":"neutral","sentiment_score":0.05933414027094841},{"text":"Mhmm.","start":1776.39,"end":1776.89,"sentiment":"neutral","sentiment_score":0.012893972918391228},{"text":"Yeah.","start":1777.75,"end":1778.25,"sentiment":"neutral","sentiment_score":0.013967511244118214},{"text":"Yep.","start":1778.31,"end":1778.81,"sentiment":"neutral","sentiment_score":0.02146490477025509},{"text":"Yep.","start":1785.4451,"end":1785.9451,"sentiment":"neutral","sentiment_score":0.013440534472465515}],"sentiment":"neutral","sentiment_score":0.02422021273523569,"num_words":5,"start":1770.55,"end":1785.9451},{"sentences":[{"text":"Yeah.","start":1789.2051,"end":1789.685,"sentiment":"neutral","sentiment_score":0.19156353175640103},{"text":"Beautiful.","start":1789.685,"end":1790.185,"sentiment":"positive","sentiment_score":0.5343902111053467},{"text":"Excellent.","start":1790.245,"end":1790.645,"sentiment":"positive","sentiment_score":0.501014769077301},{"text":"And what's the time frame you're hoping to have the granny flat sorted in?","start":1790.645,"end":1794.265,"sentiment":"neutral","sentiment_score":0.12278470396995544},{"text":"Okay.","start":1798.02,"end":1798.52,"sentiment":"neutral","sentiment_score":0.02904694154858589}],"sentiment":"neutral","sentiment_score":0.16527785050372282,"num_words":18,"start":1789.2051,"end":1798.52},{"sentences":[{"text":"Yeah.","start":1805.2201,"end":1805.7201,"sentiment":"neutral","sentiment_score":0.019708406180143356},{"text":"The council stuff, that's all fun, isn't it?","start":1805.78,"end":1807.9601,"sentiment":"neutral","sentiment_score":0.01672296063043177},{"text":"Yep.","start":1812.755,"end":1813.255,"sentiment":"neutral","sentiment_score":0.04379776865243912},{"text":"Right.","start":1814.835,"end":1815.335,"sentiment":"neutral","sentiment_score":0.05908886343240738},{"text":"No.","start":1815.395,"end":1815.635,"sentiment":"neutral","sentiment_score":0.04706006869673729}],"sentiment":"neutral","sentiment_score":0.025286566000431776,"num_words":12,"start":1805.2201,"end":1815.635},{"sentences":[{"text":"That's good.","start":1815.635,"end":1816.115,"sentiment":"neutral","sentiment_score":0.1395294964313507},{"text":"Well, hopefully, it all goes through fairly quickly for you.","start":1816.115,"end":1818.355,"sentiment":"neutral","sentiment_score":0.3061934933066368},{"text":"That sounds exciting.","start":1818.355,"end":1819.335,"sentiment":"positive","sentiment_score":0.5185684462388357},{"text":"And so moving forward, your plan is to 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out.","start":1850.5299,"end":1851.75,"sentiment":"neutral","sentiment_score":0.0135577746356527},{"text":"Yeah.","start":1851.97,"end":1852.47,"sentiment":"neutral","sentiment_score":0.032798103988170624}],"sentiment":"neutral","sentiment_score":0.06987746996861516,"num_words":33,"start":1826.57,"end":1852.47},{"sentences":[{"text":"Yeah.","start":1858.2899,"end":1858.7699,"sentiment":"neutral","sentiment_score":0.022447887808084488},{"text":"The the dream home.","start":1858.7699,"end":1860.23,"sentiment":"neutral","sentiment_score":0.053920214995741844},{"text":"Yeah.","start":1862.095,"end":1862.335,"sentiment":"neutral","sentiment_score":0.1206006556749344},{"text":"No.","start":1862.335,"end":1862.735,"sentiment":"neutral","sentiment_score":0.264582097530365},{"text":"Absolutely perfect.","start":1862.735,"end":1863.695,"sentiment":"positive","sentiment_score":0.7091702818870544}],"sentiment":"neutral","sentiment_score":0.22685022941894,"num_words":9,"start":1858.2899,"end":1863.695},{"sentences":[{"text":"That sounds fantastic.","start":1863.695,"end":1864.6749,"sentiment":"positive","sentiment_score":0.8236804207166036},{"text":"Lovely.","start":1864.975,"end":1865.475,"sentiment":"positive","sentiment_score":0.6917062997817993},{"text":"And do you have any other goals that you're looking to hopefully achieve over the next one to two years, or is it more just building on this property dream and building your property portfolio up?","start":1866.0149,"end":1874.755,"sentiment":"neutral","sentiment_score":0.11400186192865173},{"text":"Yeah.","start":1883.87,"end":1884.37,"sentiment":"neutral","sentiment_score":0.09211327135562895},{"text":"Oh, that's fantastic.","start":1885.23,"end":1886.29,"sentiment":"positive","sentiment_score":0.49493728081385296}],"sentiment":"neutral","sentiment_score":0.20099408420818773,"num_words":44,"start":1863.695,"end":1886.29},{"sentences":[{"text":"No.","start":1886.67,"end":1887.0701,"sentiment":"neutral","sentiment_score":0.2690630555152893},{"text":"Well, I look forward to seeing how that goes and, you know, working with you on the journey.","start":1887.0701,"end":1891.775,"sentiment":"positive","sentiment_score":0.39563151366180843},{"text":"That sounds fantastic.","start":1891.775,"end":1892.675,"sentiment":"positive","sentiment_score":0.6908732652664185},{"text":"I'm sure your forever home will be amazing when you finally get to that property.","start":1893.775,"end":1897.395,"sentiment":"neutral","sentiment_score":0.28909430156151456},{"text":"No.","start":1902.015,"end":1902.415,"sentiment":"neutral","sentiment_score":0.09326629340648653}],"sentiment":"positive","sentiment_score":0.36559818194885,"num_words":38,"start":1886.67,"end":1902.415},{"sentences":[{"text":"All good.","start":1902.415,"end":1903.055,"sentiment":"neutral","sentiment_score":0.22628124058246613},{"text":"Excellent.","start":1903.055,"end":1903.555,"sentiment":"neutral","sentiment_score":0.26788559556007385},{"text":"So what I'll do essentially is we'll get that beneficiary nomination updated with your partner's details.","start":1904.1799,"end":1909.16,"sentiment":"neutral","sentiment_score":0.14259918732568622},{"text":"I'll also send out some information on doing up a will and some information around that for you after the call.","start":1909.22,"end":1915.0,"sentiment":"neutral","sentiment_score":0.10494185877697808},{"text":"There's no real advice to provide at the moment with regard to your super because we have made that switch of the investments there.","start":1915.955,"end":1921.815,"sentiment":"neutral","sentiment_score":-0.013357798956955472}],"sentiment":"neutral","sentiment_score":0.0763316708325874,"num_words":64,"start":1902.415,"end":1921.815},{"sentences":[{"text":"It's good just to sort of let them sit for the next sort of six to twelve months and see how that takes and let your, you know, let your super contributions come in.","start":1921.955,"end":1930.055,"sentiment":"neutral","sentiment_score":0.12006338444702766},{"text":"But did you wanna do a catch up in about three, six months?","start":1930.35,"end":1933.23,"sentiment":"neutral","sentiment_score":0.028948250155036267},{"text":"Are you happy just to have a review in twelve months?","start":1933.23,"end":1935.5499,"sentiment":"neutral","sentiment_score":0.08669954538345337},{"text":"What would you like to see, Hayden?","start":1935.5499,"end":1937.09,"sentiment":"neutral","sentiment_score":0.029931730457714627},{"text":"Yeah.","start":1944.365,"end":1944.685,"sentiment":"neutral","sentiment_score":0.08052234351634979}],"sentiment":"neutral","sentiment_score":0.0863972996841326,"num_words":66,"start":1921.955,"end":1944.685},{"sentences":[{"text":"That's absolutely fine.","start":1944.685,"end":1946.065,"sentiment":"neutral","sentiment_score":0.21504859626293182},{"text":"Yep.","start":1946.285,"end":1946.785,"sentiment":"neutral","sentiment_score":0.091403566300869},{"text":"Not a problem at all.","start":1948.525,"end":1949.905,"sentiment":"neutral","sentiment_score":-0.04048028886318207},{"text":"Yep.","start":1954.62,"end":1954.86,"sentiment":"neutral","sentiment_score":0.027560388669371605},{"text":"Well, would you like me to maybe yeah.","start":1954.86,"end":1957.98,"sentiment":"neutral","sentiment_score":0.050037423614412546}],"sentiment":"neutral","sentiment_score":0.053444871575468116,"num_words":18,"start":1944.685,"end":1957.98},{"sentences":[{"text":"Did you want me to maybe check your super in about six months?","start":1957.98,"end":1960.9401,"sentiment":"neutral","sentiment_score":0.027315455990341995},{"text":"So, I mean, we have a look at the portfolios on a pretty regular basis.","start":1960.9401,"end":1964.3,"sentiment":"neutral","sentiment_score":0.03512154283622901},{"text":"However, if you like, I could make some time in six months' time, which is basically December, just to see what your super is doing.","start":1964.3,"end":1971.7151,"sentiment":"neutral","sentiment_score":0.033012973070144655},{"text":"I could always just decide then whether you need a a catch up if the market is down, if we haven't seen some great returns, maybe give you a call, and we reevaluate your portfolio and look at advising forward.","start":1972.255,"end":1982.915,"sentiment":"neutral","sentiment_score":0.038117876765318214},{"text":"If everything is going well, did you want me just to hold up until the twelve month mark?","start":1983.54,"end":1987.7001,"sentiment":"neutral","sentiment_score":-0.0017301470765637027}],"sentiment":"neutral","sentiment_score":0.028836223607261974,"num_words":111,"start":1957.98,"end":1987.7001},{"sentences":[{"text":"What would is that be okay with you, or did you want something different?","start":1987.7001,"end":1991.2401,"sentiment":"neutral","sentiment_score":-0.011460131134039589},{"text":"Yeah.","start":1992.42,"end":1992.7401,"sentiment":"neutral","sentiment_score":0.26268815994262695},{"text":"That's okay.","start":1992.7401,"end":1993.56,"sentiment":"neutral","sentiment_score":0.18816248327493668},{"text":"Absolutely fantastic.","start":1998.2749,"end":1999.4149,"sentiment":"positive","sentiment_score":0.7489229738712311},{"text":"And just so you are aware, the ongoing service agreement, as I mentioned, is in the email there for you.","start":1999.7949,"end":2004.615,"sentiment":"neutral","sentiment_score":0.1357939038425684}],"sentiment":"neutral","sentiment_score":0.12031526449255836,"num_words":39,"start":1987.7001,"end":2004.615},{"sentences":[{"text":"You are on a fee of 1.1 percent.","start":2004.835,"end":2007.495,"sentiment":"neutral","sentiment_score":0.07401434425264597},{"text":"Essentially, our fee structure next year will change, but we're gonna keep you on this for the next twelve months.","start":2007.875,"end":2012.47,"sentiment":"neutral","sentiment_score":0.11686940304934978},{"text":"We'll go through this in more detail down the track.","start":2012.9299,"end":2015.17,"sentiment":"neutral","sentiment_score":0.11074069663882255},{"text":"Our normal fee structure is 1.65%.","start":2015.17,"end":2017.83,"sentiment":"neutral","sentiment_score":0.06947309834261735},{"text":"So we have reduced that fee yourself and keeping you on a lower fee structure now.","start":2017.89,"end":2022.07,"sentiment":"neutral","sentiment_score":0.17446554778143764}],"sentiment":"neutral","sentiment_score":0.1207532855992516,"num_words":60,"start":2004.835,"end":2022.07},{"sentences":[{"text":"We wanna make sure your balance is growing and building first before we kind of make any alterations there.","start":2022.265,"end":2027.885,"sentiment":"neutral","sentiment_score":0.17412235470194565},{"text":"So if you are happy to stay on board for another year, we'll get you to sign and return that one back for me.","start":2028.1849,"end":2032.4249,"sentiment":"neutral","sentiment_score":0.2214429322630167},{"text":"But do you have any questions around the fee structure, how that works?","start":2032.4249,"end":2035.5449,"sentiment":"neutral","sentiment_score":0.030812586084581338},{"text":"Or 1.1 for the year.","start":2035.5449,"end":2043.09,"sentiment":"neutral","sentiment_score":-0.04584791474044323},{"text":"Yeah.","start":2044.2699,"end":2044.7699,"sentiment":"neutral","sentiment_score":0.006055453326553106}],"sentiment":"neutral","sentiment_score":0.14194088084473006,"num_words":62,"start":2022.265,"end":2044.7699},{"sentences":[{"text":"So we're we're keeping you on the same.","start":2050.925,"end":2053.405,"sentiment":"neutral","sentiment_score":0.08365396223962307},{"text":"It's our fee structure is normally 1.65%, but we've reduced yours for you.","start":2053.405,"end":2057.885,"sentiment":"neutral","sentiment_score":0.08460630361850445},{"text":"It's about making sure your sleep is working harder.","start":2057.885,"end":2060.3052,"sentiment":"neutral","sentiment_score":0.17533117201593187},{"text":"So you'll stay on the 1.1 for the for this next year, and then we'll get to the next review, and then you and you and I can assess it again then.","start":2060.365,"end":2068.3398,"sentiment":"neutral","sentiment_score":0.1464239282067865},{"text":"Okay?","start":2068.3398,"end":2068.8398,"sentiment":"neutral","sentiment_score":0.05787373334169388}],"sentiment":"neutral","sentiment_score":0.1284211687152348,"num_words":63,"start":2050.925,"end":2068.8398},{"sentences":[{"text":"Yeah.","start":2069.8599,"end":2070.3599,"sentiment":"positive","sentiment_score":0.35534411668777466},{"text":"Fantastic.","start":2070.98,"end":2071.48,"sentiment":"positive","sentiment_score":0.763298749923706},{"text":"Just wanna make sure your super is growing and building.","start":2071.8599,"end":2074.2,"sentiment":"positive","sentiment_score":0.6365877509117126},{"text":"You've got a lot of time ahead of you there, but, essentially, you still want your super to be compounding, and starting off now is the best way forward.","start":2074.3398,"end":2081.425,"sentiment":"positive","sentiment_score":0.5356441746497976},{"text":"Looking forward at your retirement, are you sort of hoping to access super as early as possible, say, age 60, or do you think you'd be, leaving it there and maybe working longer?","start":2082.5251,"end":2091.885,"sentiment":"neutral","sentiment_score":0.23844690869251886}],"sentiment":"positive","sentiment_score":0.41739120847872785,"num_words":74,"start":2069.8599,"end":2091.885},{"sentences":[{"text":"What's your goal for your retirement?","start":2091.885,"end":2099.56,"sentiment":"neutral","sentiment_score":0.04381239072730144},{"text":"Yeah.","start":2100.42,"end":2100.92,"sentiment":"neutral","sentiment_score":-0.018556533381342888},{"text":"See what happens when you get there?","start":2101.22,"end":2102.92,"sentiment":"neutral","sentiment_score":-0.01316896772810391},{"text":"Yeah.","start":2107.275,"end":2107.775,"sentiment":"neutral","sentiment_score":-0.020058173686265945},{"text":"It's okay.","start":2109.915,"end":2110.4949,"sentiment":"neutral","sentiment_score":0.13294512033462524}],"sentiment":"neutral","sentiment_score":0.023409829639336643,"num_words":17,"start":2091.885,"end":2110.4949},{"sentences":[{"text":"If you like for go was yeah.","start":2110.555,"end":2113.4348,"sentiment":"neutral","sentiment_score":0.08553005861384529},{"text":"If you like go was, I could always say, look.","start":2113.4348,"end":2115.1948,"sentiment":"neutral","sentiment_score":0.11139272674918174},{"text":"We're working on the age of 60 now.","start":2115.1948,"end":2116.875,"sentiment":"neutral","sentiment_score":0.17267367243766785},{"text":"That gives you the option to retire at 60 if your super works really well.","start":2116.875,"end":2120.9749,"sentiment":"neutral","sentiment_score":0.22739194730917614},{"text":"However, you don't ever have to.","start":2121.51,"end":2122.6301,"sentiment":"neutral","sentiment_score":0.12795448675751686}],"sentiment":"neutral","sentiment_score":0.15810072146680043,"num_words":46,"start":2110.555,"end":2122.6301},{"sentences":[{"text":"We're not gonna force you to.","start":2122.6301,"end":2123.91,"sentiment":"neutral","sentiment_score":0.10321183254321416},{"text":"You're welcome to then decide at 60, hey.","start":2123.91,"end":2125.91,"sentiment":"neutral","sentiment_score":0.3029980342835188},{"text":"I like what I'm doing.","start":2125.91,"end":2126.87,"sentiment":"positive","sentiment_score":0.37929149270057677},{"text":"I wanna go a bit more, or I don't really need to access super.","start":2126.87,"end":2130.23,"sentiment":"neutral","sentiment_score":0.16442676101412093},{"text":"I've got enough passive income to support me through.","start":2130.23,"end":2132.87,"sentiment":"neutral","sentiment_score":0.28278519047631157}],"sentiment":"neutral","sentiment_score":0.23301795479797183,"num_words":42,"start":2122.6301,"end":2132.87},{"sentences":[{"text":"So working on this, you know, giving you 60 active goal means we're working towards that goal, but then you don't have to.","start":2132.87,"end":2139.905,"sentiment":"neutral","sentiment_score":0.3151023316642512},{"text":"You can, you know, change your mind at any point.","start":2139.905,"end":2142.2249,"sentiment":"neutral","sentiment_score":0.27496617287397385},{"text":"Does that sound okay?","start":2142.2249,"end":2143.285,"sentiment":"neutral","sentiment_score":0.17275449819862843},{"text":"Yep.","start":2145.025,"end":2145.525,"sentiment":"neutral","sentiment_score":0.09372060000896454},{"text":"There is a way.","start":2150.74,"end":2151.78,"sentiment":"neutral","sentiment_score":0.02185404021292925}],"sentiment":"neutral","sentiment_score":0.2587897645398265,"num_words":42,"start":2132.87,"end":2151.78},{"sentences":[{"text":"However, it's not preferable.","start":2151.78,"end":2153.4001,"sentiment":"neutral","sentiment_score":-0.14911673497408628},{"text":"Essentially, you have to meet hardship provisions, or if you're wanting to you know, you're a first home buyer, you can access it that way.","start":2153.94,"end":2161.1602,"sentiment":"neutral","sentiment_score":-0.039659643145278096},{"text":"Yeah.","start":2162.625,"end":2163.125,"sentiment":"neutral","sentiment_score":0.04551571607589722},{"text":"Or if you've got compassionate grounds.","start":2163.425,"end":2165.2651,"sentiment":"neutral","sentiment_score":0.02580231272925933},{"text":"So a lot of people tend to access it for, say, medical procedures where they can't fund the procedure out of their back pocket and they need to access super.","start":2165.2651,"end":2172.965,"sentiment":"neutral","sentiment_score":-0.0019609901898850995}],"sentiment":"neutral","sentiment_score":-0.02191603229959693,"num_words":66,"start":2151.78,"end":2172.965},{"sentences":[{"text":"So, essentially, that's probably the biggest ways to do it.","start":2173.3599,"end":2175.76,"sentiment":"neutral","sentiment_score":0.05202011950314045},{"text":"However, accessing it before 60, there is more tax involved.","start":2175.76,"end":2179.6199,"sentiment":"neutral","sentiment_score":-0.06582068586722016},{"text":"So if you take out some money, they also take out a bit of extra to pay for taxation, and it could cost you a lot more.","start":2179.68,"end":2186.56,"sentiment":"neutral","sentiment_score":-0.08277030937649586},{"text":"So we try to not have to unless you really need to.","start":2186.56,"end":2189.855,"sentiment":"neutral","sentiment_score":-0.007828604119519392},{"text":"But if the option's there and you do need it, let us know.","start":2189.855,"end":2192.975,"sentiment":"neutral","sentiment_score":0.06326401119048779}],"sentiment":"neutral","sentiment_score":-0.022837710010612175,"num_words":72,"start":2173.3599,"end":2192.975},{"sentences":[{"text":"We will assist you in that area.","start":2192.975,"end":2194.7551,"sentiment":"neutral","sentiment_score":0.1256039227758135},{"text":"Okay?","start":2194.815,"end":2195.315,"sentiment":"neutral","sentiment_score":0.09246787428855896},{"text":"Beautiful.","start":2197.375,"end":2197.875,"sentiment":"positive","sentiment_score":0.7560489177703857},{"text":"Is there anything else that I know I've touched on a lot, and you're probably ready to go home, put your feet up for the afternoon.","start":2198.335,"end":2204.08,"sentiment":"neutral","sentiment_score":0.2456850059903585},{"text":"But is there anything else that you maybe needed from me?","start":2204.08,"end":2206.48,"sentiment":"neutral","sentiment_score":0.055828562514348465}],"sentiment":"neutral","sentiment_score":0.18977540423688682,"num_words":46,"start":2192.975,"end":2206.48},{"sentences":[{"text":"Have any other questions around?","start":2206.48,"end":2208.18,"sentiment":"neutral","sentiment_score":0.027949782833456994},{"text":"Or Yep.","start":2208.24,"end":2212.42,"sentiment":"neutral","sentiment_score":0.10429887939244509},{"text":"Beautiful.","start":2212.72,"end":2213.175,"sentiment":"positive","sentiment_score":0.7169356942176819},{"text":"Beautiful.","start":2213.2551,"end":2213.575,"sentiment":"positive","sentiment_score":0.7568520307540894},{"text":"Fantastic.","start":2213.575,"end":2214.075,"sentiment":"positive","sentiment_score":0.7484445571899414}],"sentiment":"neutral","sentiment_score":0.2570578955113888,"num_words":10,"start":2206.48,"end":2214.075},{"sentences":[{"text":"Well, if you find you have any questions, let me know.","start":2214.135,"end":2216.055,"sentiment":"neutral","sentiment_score":0.1974903873421929},{"text":"We'll get that notice of intent claimed for you for the 5,300.","start":2216.055,"end":2219.7551,"sentiment":"neutral","sentiment_score":0.21567174916466078},{"text":"That will happen, as I said, automatically in your a on your myGov account, but we'll also email you the acknowledgment once it has been acknowledged just so you have that as a confirmation.","start":2220.135,"end":2229.17,"sentiment":"neutral","sentiment_score":0.21848363034865437},{"text":"Okay?","start":2229.47,"end":2229.97,"sentiment":"neutral","sentiment_score":0.14530876278877258},{"text":"Beautiful.","start":2232.75,"end":2233.25,"sentiment":"positive","sentiment_score":0.7228941917419434}],"sentiment":"neutral","sentiment_score":0.22130680740889858,"num_words":59,"start":2214.135,"end":2233.25},{"sentences":[{"text":"Well, thank you so much.","start":2233.31,"end":2234.27,"sentiment":"positive","sentiment_score":0.7339496731758117},{"text":"Feel free to review the and the review pack.","start":2234.27,"end":2236.27,"sentiment":"positive","sentiment_score":0.36011041038566166},{"text":"And once you're happy to, you know, sign and return that back, I'll get you to if you have any questions, let me know.","start":2236.27,"end":2242.0452,"sentiment":"neutral","sentiment_score":0.27153682553519803},{"text":"If you find at any point through the year you do need any extra assistance, advice, or you just have some questions for me, just give me a call.","start":2242.105,"end":2249.0652,"sentiment":"neutral","sentiment_score":0.12290907175890331},{"text":"More than happy to take any calls.","start":2249.0652,"end":2250.905,"sentiment":"positive","sentiment_score":0.515342367546899}],"sentiment":"neutral","sentiment_score":0.27837007467609803,"num_words":74,"start":2233.31,"end":2250.905},{"sentences":[{"text":"You're not limited to once a year or once every six months.","start":2250.905,"end":2253.51,"sentiment":"neutral","sentiment_score":0.1785957763592402},{"text":"We just try not to annoy you too often.","start":2253.83,"end":2255.67,"sentiment":"neutral","sentiment_score":0.19769741098086038},{"text":"That's all.","start":2255.67,"end":2256.23,"sentiment":"neutral","sentiment_score":0.1258777603507042},{"text":"Okay?","start":2256.23,"end":2256.73,"sentiment":"neutral","sentiment_score":0.11941391229629517},{"text":"Be beautiful, Hayden.","start":2259.27,"end":2260.6301,"sentiment":"positive","sentiment_score":0.7783154646555582}],"sentiment":"neutral","sentiment_score":0.2455015497075187,"num_words":27,"start":2250.905,"end":2260.6301},{"sentences":[{"text":"I'll let you go.","start":2260.6301,"end":2261.43,"sentiment":"positive","sentiment_score":0.7480139434337616},{"text":"I hope you have a good restful afternoon.","start":2261.43,"end":2263.37,"sentiment":"positive","sentiment_score":0.7346334010362625},{"text":"Thank you for taking my call.","start":2265.795,"end":2267.315,"sentiment":"positive","sentiment_score":0.6962255934874216},{"text":"I really appreciate it.","start":2267.315,"end":2268.775,"sentiment":"positive","sentiment_score":0.7939644604921341},{"text":"Talk to you soon.","start":2271.475,"end":2272.275,"sentiment":"neutral","sentiment_score":0.20946114510297775}],"sentiment":"positive","sentiment_score":0.656160729435774,"num_words":26,"start":2260.6301,"end":2272.275},{"sentences":[{"text":"See you later.","start":2272.275,"end":2272.9949,"sentiment":"neutral","sentiment_score":0.16730745633443198},{"text":"Bye.","start":2272.9949,"end":2273.4949,"sentiment":"neutral","sentiment_score":0.12839727103710177}],"sentiment":"neutral","sentiment_score":0.1575799100100994,"num_words":4,"start":2272.275,"end":2273.4949}]}}]},{"alternatives":[{"transcript":"Hi. Yeah. I just missed your call. Yeah. Yeah. That's fine. Yeah. Yeah. Pretty good. Pretty busy. But yeah. Just finished work. Yeah. Yeah. Can I assist it? Yeah. No. Nothing. Nothing really. No. Yeah. Just park for the yeah. Just film. Yep. Yeah. That's good. Yes. That sounds good. Yeah. Yeah. How does it work? How does it work? Yep. No. That sounds good. Yeah. I think I just wanted to make sure that's it. Yeah. Yeah. That's all good. I could I could possibly split it up, couldn't I, over or is it yeah. Okay. Within that year. Yeah. Yep. Yep. Yep. No. Awesome. Yeah. Lovely. Yeah. Yep. Yeah. Yeah. It's on they're just putting on a couple more people, so still growing. Yep. Yeah. Yeah. I just went into Hub twenty four one. Yep. I don't remember receiving it, but I think I think something was mentioned about it. I don't quite remember. Yeah. No. No questions. I think it was just transferred to the beneficiary that was underneath me. I think it might have been my mother, maybe. Yeah. No. Still in the same relationship. Yep. No. Yeah. That's right. Yep. No. I should I I don't know. Yeah. Okay. Yep. Yep. No. I don't have one. Yeah. That'd be fine. Email would be good. Yeah. So Faye so say it was, like, my partner and, like, she then becomes income income dependent on me because we, like, say we have kids. Would she be then a beneficiary that'll be able to access the full 100% or would she still have to obviously still have to prove it, obviously? Yeah. Okay. Is there a way that we could probably change that to my partner? Yeah. Yeah. That's all good. Laura. Yep. Egan, e g a n. Yes. The ninth of the third of March. Sorry. Yeah. 1995. No. Same address. It should be the 12 Caribbean Avenue, Ashmore. Yeah. That's all good. Yes. That's all good too. Yeah. Sounds good. You probably can you so I'll just email just be a digital DocuSign or will I have to still get a witness? Yeah. Yeah. That's all. I'll probably use the paper copy and maybe the email as well just in case it gets lost. But, yeah, they're both. Oh, perfect. No. That cover's fine. Yeah. Is that so that's an annual fee, is it? So sorry for that that life insurance. Yeah. Yeah. Yeah. No. That's perfect. Perfect. No. That'd be fine. There it is. Probably, for me personally, probably take home a 120 to a 130 probably, and then I'll leave this to the rest of my business. So that's why I was paying myself an annual wage pretty much around that And then yeah. I said it was a company. Yeah. The wage. Yeah. Yeah. I should be fine with that because I have a black worker's working for me, so the company can keep working if anything happens. Yeah. Yeah. Yeah. And that's for the claim. Was that like did they get like a did they get like a back charge, or you just get it from that day when you first get the claim put through? Yeah. And what if you return back to work within those sixty days? Like, say you're Yeah. No. Thank you. Yeah. Oh, that's so good. Yeah. Yeah. Yeah. Definitely. I was happy with the three tops. Yes. That would be. The property? Yeah. It's I think it's probably I think it's I think I just checked it at one point two thirty or something. Had to really jump massively, but yeah. Yeah. I have a line. Yeah. Still well, 100% sure. It's been fine. It's like most of it. It's because we haven't yeah. We only just bought it. So It's going to bank now. Yeah. It was because it had also had a guarantor for it as well. So yeah. We didn't even have yeah. Yeah. So yeah. So the net balance we owe is 1.196. Yeah. I have a car. It's a iZuzu D Max four wheel drive. Probably, like, 35 to 40. Yeah. Pretty good. Okay. Oh, no. In this one. Yeah. Alright. Yeah. Yeah. I have pools. Probably say, either like 10 to 15, probably like 12, I reckon. 5 grand. Yeah. Yeah. I'd probably say close to 20, maybe 20. Yeah. I have an Amex card, but that's attached to my business. So it's not for me personally. Yeah. I think that's gonna change to obviously doing super. Well, I think super is every week now, but it it used to I used to just make my own claims to be a, like, a sole trader or a choice to operate out of a trust, so it's a little bit different. But now I've fixed it to a company structure. So now I pay myself a wage and I pay myself super. So yeah. Yeah. That's fine. Yeah. I just need to whatever the top of the 5%. Yep. Yeah. I'll just keep with the the company structure for now and just see how it looks, I guess. Yeah. Yeah. Yeah. Kinda. We're we're looking at building we're looking at building a granny flat on the property. Then obviously rent that out to then increase cash flow that way and then most likely move out of the house and rent both of them at the same time. So that's kind of that's kind of the plan, but yeah. So I'm kind of pausing, like, the pain of downs because we can't and just putting aside as much money as we can to build this granny flat because that's gonna obviously have a value of, like, a $150. It's probably gonna cost the build, but as a value of, like, over 300,000, it's already been, like, kind of evaluating that. Hopefully, within a year and a half. So we've already started kind of building it like it's getting out of the ground, but we're just waiting for extra permits and stuff like that. Yeah. Yeah. Accountants will be approved. It's more just the building approval through a certifier. So yeah. Yeah. Yeah. We're looking probably to rent, but, yeah, that's probably the plan. Probably won't be our primary. It's probably just do, like, a similar thing despite something that we can obviously add a granny flat to add some sort of value to, and then, yeah, just keep I don't know. Things until eventually we can obviously buy, like, our, I guess, you like it forever home or dreamer, whatever you wanna call it. But, yeah, eventually, like, the one you're living living for. Yeah. You're living. Yeah. Just the property portfolio would be pretty that's what we've been wanting to do for a while. So, yeah, kinda got that first one. So, yeah, try to snowball that. Yeah. Okay. Probably just twelve months maybe. And then yeah. Oh, man. Oh, we could do the six months. I don't know. I guess if anything is going bad, maybe we have a review. But if everything's if everything's all sweet yeah. Yep. Yeah. That sounds that sounds perfect. Yeah. That sounds good. If it's going that way or if it's going good, yeah, I'm happy for the twelve months. That's fine. Yeah. So what am I what am I on originally? Was it 1.3, did you say? Oh, I don't want to yeah. And then it's getting pushed up for the coming year or the year starting now. What was that? Sorry. One point. Or is it gonna stay the same? Yeah. Okay. Yeah. Yeah. Yeah. Yeah. No. Sounds good. Yeah. I don't not sure. It depends how it really goes. But possibly yeah. See what happens when I get there. If I need to use it or not, I don't really know yet. But yeah. I guess maybe as soon as possible. Yeah. Is there any way of accessing your super even before the age of 60? Is is there a way you can do that? Yeah. That's what it was. First time buyer. Yeah. Yeah. Yep. That's good. No. I think everything's been covered nicely. Yeah. Yep. Sounds good. Yep. Okay. Sounds good. You too. Alright. You're alright. See you later. Bye. Talk to you. 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Yeah. I just missed your call. Yeah. Yeah.\n\nThat's fine. Yeah. Yeah. Pretty good. Pretty busy.\n\nBut yeah. Just finished work. Yeah. Yeah. Can I assist it?\n\nYeah. No. Nothing. Nothing really. No.\n\nYeah. Just park for the yeah. Just film. Yep. Yeah.\n\nThat's good. Yes. That sounds good. Yeah. Yeah.\n\nHow does it work? How does it work? Yep. No. That sounds good.\n\nYeah. I think I just wanted to make sure that's it. Yeah. Yeah. That's all good.\n\nI could I could possibly split it up, couldn't I, over or is it yeah. Okay. Within that year. Yeah. Yep.\n\nYep. Yep. No. Awesome. Yeah.\n\nLovely. Yeah. Yep. Yeah. Yeah.\n\nIt's on they're just putting on a couple more people, so still growing. Yep. Yeah. Yeah. I just went into Hub twenty four one.\n\nYep. I don't remember receiving it, but I think I think something was mentioned about it. I don't quite remember. Yeah. No.\n\nNo questions. I think it was just transferred to the beneficiary that was underneath me. I think it might have been my mother, maybe. Yeah. No.\n\nStill in the same relationship. Yep. No. Yeah. That's right.\n\nYep. No. I should I I don't know. Yeah. Okay.\n\nYep. Yep. No. I don't have one. Yeah.\n\nThat'd be fine. Email would be good. Yeah. So Faye so say it was, like, my partner and, like, she then becomes income income dependent on me because we, like, say we have kids. Would she be then a beneficiary that'll be able to access the full 100% or would she still have to obviously still have to prove it, obviously?\n\nYeah. Okay. Is there a way that we could probably change that to my partner? Yeah. Yeah.\n\nThat's all good. Laura. Yep. Egan, e g a n. Yes.\n\nThe ninth of the third of March. Sorry. Yeah. 1995. No.\n\nSame address. It should be the 12 Caribbean Avenue, Ashmore. Yeah. That's all good. Yes.\n\nThat's all good too. Yeah. Sounds good. You probably can you so I'll just email just be a digital DocuSign or will I have to still get a witness? Yeah.\n\nYeah. That's all. I'll probably use the paper copy and maybe the email as well just in case it gets lost. But, yeah, they're both. Oh, perfect.\n\nNo. That cover's fine. Yeah. Is that so that's an annual fee, is it? So sorry for that that life insurance.\n\nYeah. Yeah. Yeah. No. That's perfect.\n\nPerfect. No. That'd be fine. There it is. Probably, for me personally, probably take home a 120 to a 130 probably, and then I'll leave this to the rest of my business.\n\nSo that's why I was paying myself an annual wage pretty much around that And then yeah. I said it was a company. Yeah. The wage. Yeah.\n\nYeah. I should be fine with that because I have a black worker's working for me, so the company can keep working if anything happens. Yeah. Yeah. Yeah.\n\nAnd that's for the claim. Was that like did they get like a did they get like a back charge, or you just get it from that day when you first get the claim put through? Yeah. And what if you return back to work within those sixty days? Like, say you're Yeah.\n\nNo. Thank you. Yeah. Oh, that's so good. Yeah.\n\nYeah. Yeah. Definitely. I was happy with the three tops. Yes.\n\nThat would be. The property? Yeah. It's I think it's probably I think it's I think I just checked it at one point two thirty or something. Had to really jump massively, but yeah.\n\nYeah. I have a line. Yeah. Still well, 100% sure. It's been fine.\n\nIt's like most of it. It's because we haven't yeah. We only just bought it. So It's going to bank now. Yeah.\n\nIt was because it had also had a guarantor for it as well. So yeah. We didn't even have yeah. Yeah. So yeah.\n\nSo the net balance we owe is 1.196. Yeah. I have a car. It's a iZuzu D Max four wheel drive. Probably, like, 35 to 40.\n\nYeah. Pretty good. Okay. Oh, no. In this one.\n\nYeah. Alright. Yeah. Yeah. I have pools.\n\nProbably say, either like 10 to 15, probably like 12, I reckon. 5 grand. Yeah. Yeah. I'd probably say close to 20, maybe 20.\n\nYeah. I have an Amex card, but that's attached to my business. So it's not for me personally. Yeah. I think that's gonna change to obviously doing super.\n\nWell, I think super is every week now, but it it used to I used to just make my own claims to be a, like, a sole trader or a choice to operate out of a trust, so it's a little bit different. But now I've fixed it to a company structure. So now I pay myself a wage and I pay myself super. So yeah. Yeah.\n\nThat's fine. Yeah. I just need to whatever the top of the 5%. Yep. Yeah.\n\nI'll just keep with the the company structure for now and just see how it looks, I guess. Yeah. Yeah. Yeah. Kinda.\n\nWe're we're looking at building we're looking at building a granny flat on the property. Then obviously rent that out to then increase cash flow that way and then most likely move out of the house and rent both of them at the same time. So that's kind of that's kind of the plan, but yeah. So I'm kind of pausing, like, the pain of downs because we can't and just putting aside as much money as we can to build this granny flat because that's gonna obviously have a value of, like, a $150. It's probably gonna cost the build, but as a value of, like, over 300,000, it's already been, like, kind of evaluating that.\n\nHopefully, within a year and a half. So we've already started kind of building it like it's getting out of the ground, but we're just waiting for extra permits and stuff like that. Yeah. Yeah. Accountants will be approved.\n\nIt's more just the building approval through a certifier. So yeah. Yeah. Yeah. We're looking probably to rent, but, yeah, that's probably the plan.\n\nProbably won't be our primary. It's probably just do, like, a similar thing despite something that we can obviously add a granny flat to add some sort of value to, and then, yeah, just keep I don't know. Things until eventually we can obviously buy, like, our, I guess, you like it forever home or dreamer, whatever you wanna call it. But, yeah, eventually, like, the one you're living living for. Yeah.\n\nYou're living. Yeah. Just the property portfolio would be pretty that's what we've been wanting to do for a while. So, yeah, kinda got that first one. So, yeah, try to snowball that.\n\nYeah. Okay. Probably just twelve months maybe. And then yeah. Oh, man.\n\nOh, we could do the six months. I don't know. I guess if anything is going bad, maybe we have a review. But if everything's if everything's all sweet yeah. Yep.\n\nYeah. That sounds that sounds perfect. Yeah. That sounds good. If it's going that way or if it's going good, yeah, I'm happy for the twelve months.\n\nThat's fine. Yeah. So what am I what am I on originally? Was it 1.3, did you say? Oh, I don't want to yeah.\n\nAnd then it's getting pushed up for the coming year or the year starting now. What was that? Sorry. One point. Or is it gonna stay the same?\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. No. Sounds good. Yeah. I don't not sure.\n\nIt depends how it really goes. But possibly yeah. See what happens when I get there. If I need to use it or not, I don't really know yet. But yeah.\n\nI guess maybe as soon as possible. Yeah. Is there any way of accessing your super even before the age of 60? Is is there a way you can do that? Yeah.\n\nThat's what it was. First time buyer. Yeah. Yeah. Yep.\n\nThat's good. No. I think everything's been covered nicely. Yeah. Yep.\n\nSounds good. Yep. Okay. Sounds good. You too.\n\nAlright. You're alright. See you later. Bye. Talk to you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":4.0,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.10530656576156616},{"text":"Yeah.","start":4.3199997,"end":4.48,"sentiment":"neutral","sentiment_score":0.11866696923971176},{"text":"I just missed your call.","start":4.48,"end":5.62,"sentiment":"neutral","sentiment_score":0.009131582081317901},{"text":"Yeah.","start":12.48,"end":12.96,"sentiment":"neutral","sentiment_score":0.1409752070903778},{"text":"Yeah.","start":12.96,"end":13.28,"sentiment":"neutral","sentiment_score":0.1674073338508606}],"sentiment":"neutral","sentiment_score":0.06422377626101176,"num_words":9,"start":4.0,"end":13.28},{"sentences":[{"text":"That's 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through?","start":1224.3849,"end":1230.0049,"sentiment":"neutral","sentiment_score":0.051713674299178586},{"text":"Yeah.","start":1260.525,"end":1260.925,"sentiment":"neutral","sentiment_score":-0.03254183381795883},{"text":"And what if you return back to work within those sixty days?","start":1260.925,"end":1264.625,"sentiment":"neutral","sentiment_score":0.0032289959490299225},{"text":"Like, say you're Yeah.","start":1265.78,"end":1302.42,"sentiment":"neutral","sentiment_score":0.04096018569543958}],"sentiment":"neutral","sentiment_score":0.05012254181476134,"num_words":53,"start":1223.345,"end":1302.42},{"sentences":[{"text":"No.","start":1302.7201,"end":1303.12,"sentiment":"neutral","sentiment_score":0.01463315635919571},{"text":"Thank you.","start":1303.12,"end":1304.02,"sentiment":"neutral","sentiment_score":0.21014630794525146},{"text":"Yeah.","start":1349.22,"end":1349.72,"sentiment":"neutral","sentiment_score":0.2634918689727783},{"text":"Oh, that's so good.","start":1359.645,"end":1363.985,"sentiment":"neutral","sentiment_score":0.23081479221582413},{"text":"Yeah.","start":1384.9701,"end":1385.2101,"sentiment":"neutral","sentiment_score":0.04354304075241089}],"sentiment":"neutral","sentiment_score":0.18502442787090936,"num_words":9,"start":1302.7201,"end":1385.2101},{"sentences":[{"text":"Yeah.","start":1385.2101,"end":1385.61,"sentiment":"neutral","sentiment_score":0.06701447069644928},{"text":"Yeah.","start":1385.61,"end":1385.93,"sentiment":"neutral","sentiment_score":0.12843947112560272},{"text":"Definitely.","start":1385.93,"end":1386.43,"sentiment":"neutral","sentiment_score":0.29845649003982544},{"text":"I was happy with the three tops.","start":1399.8949,"end":1401.4349,"sentiment":"neutral","sentiment_score":0.2844076135328838},{"text":"Yes.","start":1441.09,"end":1441.4099,"sentiment":"neutral","sentiment_score":0.08672350645065308}],"sentiment":"neutral","sentiment_score":0.233771566640247,"num_words":11,"start":1385.2101,"end":1441.4099},{"sentences":[{"text":"That would be.","start":1441.4099,"end":1442.3899,"sentiment":"neutral","sentiment_score":0.18511148790518442},{"text":"The property?","start":1458.305,"end":1458.9651,"sentiment":"neutral","sentiment_score":0.008880747947841883},{"text":"Yeah.","start":1461.1051,"end":1461.3451,"sentiment":"neutral","sentiment_score":0.016958191990852356},{"text":"It's I think it's probably I think it's I think I just checked it at one point two thirty or something.","start":1461.3451,"end":1465.3651,"sentiment":"neutral","sentiment_score":0.005228893210490544},{"text":"Had to really jump massively, but yeah.","start":1465.5199,"end":1473.1399,"sentiment":"neutral","sentiment_score":0.13625322175877436}],"sentiment":"neutral","sentiment_score":0.04863627827452386,"num_words":34,"start":1441.4099,"end":1473.1399},{"sentences":[{"text":"Yeah.","start":1474.6399,"end":1474.96,"sentiment":"neutral","sentiment_score":0.02446679025888443},{"text":"I have a line.","start":1474.96,"end":1475.86,"sentiment":"neutral","sentiment_score":0.028535648714751005},{"text":"Yeah.","start":1475.9199,"end":1476.4199,"sentiment":"neutral","sentiment_score":0.029222793877124783},{"text":"Still well, 100% sure.","start":1487.235,"end":1493.475,"sentiment":"neutral","sentiment_score":0.15961183048784733},{"text":"It's been fine.","start":1493.475,"end":1493.9551,"sentiment":"neutral","sentiment_score":0.3082595070203145}],"sentiment":"neutral","sentiment_score":0.13315830938518047,"num_words":13,"start":1474.6399,"end":1493.9551},{"sentences":[{"text":"It's like most of it.","start":1493.9551,"end":1495.255,"sentiment":"neutral","sentiment_score":0.1428859144449234},{"text":"It's because we haven't yeah.","start":1496.94,"end":1498.0599,"sentiment":"neutral","sentiment_score":-0.00802729669958353},{"text":"We only just bought it.","start":1498.0599,"end":1499.26,"sentiment":"neutral","sentiment_score":0.0012988662347197528},{"text":"So It's going to bank now.","start":1499.26,"end":1510.5951,"sentiment":"neutral","sentiment_score":0.0022323679877445106},{"text":"Yeah.","start":1511.2151,"end":1511.4551,"sentiment":"neutral","sentiment_score":0.017705131322145462}],"sentiment":"neutral","sentiment_score":0.03235848905222321,"num_words":22,"start":1493.9551,"end":1511.4551},{"sentences":[{"text":"It was because it had also had a guarantor for it as well.","start":1511.4551,"end":1515.055,"sentiment":"neutral","sentiment_score":0.042212509335233614},{"text":"So yeah.","start":1515.055,"end":1518.5751,"sentiment":"neutral","sentiment_score":0.07273799180984497},{"text":"We didn't even have yeah.","start":1518.5751,"end":1520.3551,"sentiment":"neutral","sentiment_score":0.04250254705548286},{"text":"Yeah.","start":1535.235,"end":1535.735,"sentiment":"neutral","sentiment_score":0.04183913767337799},{"text":"So yeah.","start":1538.755,"end":1544.035,"sentiment":"neutral","sentiment_score":0.03427475690841675}],"sentiment":"neutral","sentiment_score":0.044223477901971855,"num_words":23,"start":1511.4551,"end":1544.035},{"sentences":[{"text":"So the net balance we owe is 1.196.","start":1544.035,"end":1547.495,"sentiment":"neutral","sentiment_score":0.03669546986930072},{"text":"Yeah.","start":1558.6399,"end":1558.8799,"sentiment":"neutral","sentiment_score":0.028955167159438133},{"text":"I have a car.","start":1558.8799,"end":1559.86,"sentiment":"neutral","sentiment_score":0.021667661610990763},{"text":"It's a iZuzu D Max four wheel drive.","start":1562.96,"end":1565.975,"sentiment":"neutral","sentiment_score":0.03933538729324937},{"text":"Probably, like, 35 to 40.","start":1571.555,"end":1574.055,"sentiment":"neutral","sentiment_score":0.02802509758621454}],"sentiment":"neutral","sentiment_score":0.03323069841672595,"num_words":26,"start":1544.035,"end":1574.055},{"sentences":[{"text":"Yeah.","start":1580.115,"end":1580.615,"sentiment":"neutral","sentiment_score":0.18133586645126343},{"text":"Pretty good.","start":1581.2001,"end":1582.02,"sentiment":"positive","sentiment_score":0.33854590356349945},{"text":"Okay.","start":1582.16,"end":1582.66,"sentiment":"neutral","sentiment_score":0.06342025101184845},{"text":"Oh, no.","start":1586.08,"end":1586.56,"sentiment":"neutral","sentiment_score":-0.009672231040894985},{"text":"In this one.","start":1586.56,"end":1587.38,"sentiment":"neutral","sentiment_score":0.005109786366422971}],"sentiment":"neutral","sentiment_score":0.10198142462306553,"num_words":9,"start":1580.115,"end":1587.38},{"sentences":[{"text":"Yeah.","start":1589.36,"end":1589.76,"sentiment":"neutral","sentiment_score":0.11912379413843156},{"text":"Alright.","start":1589.76,"end":1590.08,"sentiment":"neutral","sentiment_score":0.11045551300048828},{"text":"Yeah.","start":1590.08,"end":1590.58,"sentiment":"neutral","sentiment_score":0.07878327369689941},{"text":"Yeah.","start":1596.615,"end":1597.115,"sentiment":"neutral","sentiment_score":0.02586897276341915},{"text":"I have pools.","start":1598.135,"end":1598.955,"sentiment":"neutral","sentiment_score":0.03290869606037935}],"sentiment":"neutral","sentiment_score":0.06185109168291092,"num_words":7,"start":1589.36,"end":1598.955},{"sentences":[{"text":"Probably say, either like 10 to 15, probably like 12, I reckon.","start":1607.015,"end":1612.475,"sentiment":"neutral","sentiment_score":0.0391459691648682},{"text":"5 grand.","start":1615.4401,"end":1616.0801,"sentiment":"neutral","sentiment_score":0.14306512847542763},{"text":"Yeah.","start":1616.0801,"end":1616.5801,"sentiment":"neutral","sentiment_score":0.11050303280353546},{"text":"Yeah.","start":1638.505,"end":1638.665,"sentiment":"neutral","sentiment_score":0.01297694817185402},{"text":"I'd probably say close to 20, maybe 20.","start":1638.665,"end":1643.65,"sentiment":"neutral","sentiment_score":0.012674074911046773}],"sentiment":"neutral","sentiment_score":0.04086476946637655,"num_words":24,"start":1607.015,"end":1643.65},{"sentences":[{"text":"Yeah.","start":1643.79,"end":1644.29,"sentiment":"neutral","sentiment_score":0.05871657282114029},{"text":"I have an Amex card, but that's attached to my business.","start":1654.305,"end":1657.765,"sentiment":"neutral","sentiment_score":0.002166564999656244},{"text":"So it's not for me personally.","start":1657.9851,"end":1659.925,"sentiment":"neutral","sentiment_score":-0.017567526549100876},{"text":"Yeah.","start":1675.22,"end":1675.46,"sentiment":"neutral","sentiment_score":0.014359808526933191},{"text":"I think that's gonna change to obviously doing super.","start":1675.46,"end":1678.82,"sentiment":"neutral","sentiment_score":0.0031955334642488095}],"sentiment":"neutral","sentiment_score":0.0007236870795687924,"num_words":28,"start":1643.79,"end":1678.82},{"sentences":[{"text":"Well, I think super is every week now, but it it used to I used to just make my own claims to be a, like, a sole trader or a choice to operate out of a trust, so it's a little bit different.","start":1678.82,"end":1688.8049,"sentiment":"neutral","sentiment_score":-0.016098925259050934},{"text":"But now I've fixed it to a company structure.","start":1689.4249,"end":1691.605,"sentiment":"neutral","sentiment_score":0.004947437840099964},{"text":"So now I pay myself a wage and I pay myself super.","start":1691.6649,"end":1694.3049,"sentiment":"neutral","sentiment_score":0.01452987672140201},{"text":"So yeah.","start":1694.3049,"end":1706.5,"sentiment":"neutral","sentiment_score":0.019542336463928223},{"text":"Yeah.","start":1706.5599,"end":1706.7999,"sentiment":"neutral","sentiment_score":0.032618582248687744}],"sentiment":"neutral","sentiment_score":-0.005995001040968988,"num_words":67,"start":1678.82,"end":1706.7999},{"sentences":[{"text":"That's fine.","start":1706.7999,"end":1707.44,"sentiment":"neutral","sentiment_score":0.05875725299119949},{"text":"Yeah.","start":1707.44,"end":1707.9199,"sentiment":"neutral","sentiment_score":0.03417148068547249},{"text":"I just need to whatever the top of the 5%.","start":1707.9199,"end":1710.1599,"sentiment":"neutral","sentiment_score":0.01566599905490875},{"text":"Yep.","start":1710.1599,"end":1710.6599,"sentiment":"neutral","sentiment_score":0.0355118028819561},{"text":"Yeah.","start":1732.24,"end":1732.48,"sentiment":"neutral","sentiment_score":0.016983110457658768}],"sentiment":"neutral","sentiment_score":0.024056059370438258,"num_words":15,"start":1706.7999,"end":1732.48},{"sentences":[{"text":"I'll just keep with the the company structure for now and just see how it looks, I 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time.","start":1757.3099,"end":1767.01,"sentiment":"neutral","sentiment_score":0.12306081180771192},{"text":"So that's kind of that's kind of the plan, but yeah.","start":1767.685,"end":1770.9651,"sentiment":"neutral","sentiment_score":0.2151825905523517},{"text":"So I'm kind of pausing, like, the pain of downs because we can't and just putting aside as much money as we can to build this granny flat because that's gonna obviously have a value of, like, a $150.","start":1770.9651,"end":1780.725,"sentiment":"neutral","sentiment_score":0.014553355691858973},{"text":"It's probably gonna cost the build, but as a value of, like, over 300,000, it's already been, like, kind of evaluating that.","start":1780.725,"end":1788.73,"sentiment":"neutral","sentiment_score":0.0221702413294803}],"sentiment":"neutral","sentiment_score":0.06746867216892667,"num_words":117,"start":1749.815,"end":1788.73},{"sentences":[{"text":"Hopefully, within a year and a 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be pretty that's what we've been wanting to do for a while.","start":1875.53,"end":1880.01,"sentiment":"neutral","sentiment_score":0.09339768527185216},{"text":"So, yeah, kinda got that first one.","start":1880.01,"end":1882.735,"sentiment":"neutral","sentiment_score":0.07972192232097898},{"text":"So, yeah, try to snowball that.","start":1882.735,"end":1884.595,"sentiment":"neutral","sentiment_score":0.07963867175082366}],"sentiment":"neutral","sentiment_score":0.08723865934845174,"num_words":33,"start":1860.5751,"end":1884.595},{"sentences":[{"text":"Yeah.","start":1896.11,"end":1896.61,"sentiment":"neutral","sentiment_score":0.07321878522634506},{"text":"Okay.","start":1899.31,"end":1899.81,"sentiment":"neutral","sentiment_score":0.0708678588271141},{"text":"Probably just twelve months maybe.","start":1940.745,"end":1943.8049,"sentiment":"neutral","sentiment_score":0.02300632931292057},{"text":"And then yeah.","start":1944.585,"end":1947.325,"sentiment":"neutral","sentiment_score":0.11510450144608815},{"text":"Oh, man.","start":1948.585,"end":1949.1449,"sentiment":"neutral","sentiment_score":-0.06291740760207176}],"sentiment":"neutral","sentiment_score":0.03988308164601525,"num_words":12,"start":1896.11,"end":1949.1449},{"sentences":[{"text":"Oh, we could do the six months.","start":1949.1449,"end":1950.505,"sentiment":"neutral","sentiment_score":-0.030929684106792723},{"text":"I don't know.","start":1950.505,"end":1950.9049,"sentiment":"neutral","sentiment_score":-0.06384579713145892},{"text":"I guess if anything is going bad, maybe we have a review.","start":1950.9049,"end":1953.5449,"sentiment":"neutral","sentiment_score":-0.09887449070811272},{"text":"But if everything's if everything's all sweet yeah.","start":1953.5449,"end":1958.18,"sentiment":"neutral","sentiment_score":0.03978904150426388},{"text":"Yep.","start":1972.335,"end":1972.835,"sentiment":"neutral","sentiment_score":0.0538528710603714}],"sentiment":"neutral","sentiment_score":-0.039431415017574065,"num_words":31,"start":1949.1449,"end":1972.835},{"sentences":[{"text":"Yeah.","start":1990.0,"end":1990.24,"sentiment":"neutral","sentiment_score":0.0015205596573650837},{"text":"That sounds that sounds perfect.","start":1990.24,"end":1991.7,"sentiment":"neutral","sentiment_score":0.13768791500478983},{"text":"Yeah.","start":1991.84,"end":1992.24,"sentiment":"neutral","sentiment_score":0.14494818449020386},{"text":"That sounds good.","start":1992.24,"end":1992.88,"sentiment":"neutral","sentiment_score":0.22782781720161438},{"text":"If it's going that way or if it's going good, yeah, I'm happy for the twelve months.","start":1992.88,"end":1996.8049,"sentiment":"neutral","sentiment_score":0.26001962844063253}],"sentiment":"neutral","sentiment_score":0.2199527946024857,"num_words":27,"start":1990.0,"end":1996.8049},{"sentences":[{"text":"That's fine.","start":1996.8049,"end":1997.465,"sentiment":"positive","sentiment_score":0.36813509464263916},{"text":"Yeah.","start":2036.27,"end":2036.59,"sentiment":"neutral","sentiment_score":0.0023528002202510834},{"text":"So what am I what am I on originally?","start":2036.59,"end":2038.59,"sentiment":"neutral","sentiment_score":-0.018701261116398707},{"text":"Was it 1.3, did you say?","start":2038.59,"end":2040.2899,"sentiment":"neutral","sentiment_score":-0.024801654120286305},{"text":"Oh, I don't want to yeah.","start":2042.4299,"end":2043.5499,"sentiment":"neutral","sentiment_score":-0.17010205363233885}],"sentiment":"neutral","sentiment_score":-0.024962941960742075,"num_words":24,"start":1996.8049,"end":2043.5499},{"sentences":[{"text":"And then it's getting pushed up for the coming year or the year starting now.","start":2043.5499,"end":2048.0498,"sentiment":"neutral","sentiment_score":0.019396112859249116},{"text":"What was that?","start":2048.565,"end":2049.045,"sentiment":"neutral","sentiment_score":-0.02161542574564616},{"text":"Sorry.","start":2049.045,"end":2049.285,"sentiment":"neutral","sentiment_score":-0.07955154776573181},{"text":"One point.","start":2049.285,"end":2050.105,"sentiment":"neutral","sentiment_score":-0.049241803586483},{"text":"Or is it gonna stay the same?","start":2050.165,"end":2051.545,"sentiment":"neutral","sentiment_score":-0.024260776383536204}],"sentiment":"neutral","sentiment_score":-0.0043487562132733205,"num_words":28,"start":2043.5499,"end":2051.545},{"sentences":[{"text":"Yeah.","start":2054.2449,"end":2054.565,"sentiment":"neutral","sentiment_score":0.08397108316421509},{"text":"Okay.","start":2054.565,"end":2055.065,"sentiment":"neutral","sentiment_score":0.1016436517238617},{"text":"Yeah.","start":2058.565,"end":2059.065,"sentiment":"neutral","sentiment_score":0.12306170910596848},{"text":"Yeah.","start":2060.885,"end":2061.385,"sentiment":"neutral","sentiment_score":0.12129564583301544},{"text":"Yeah.","start":2068.6702,"end":2069.1702,"sentiment":"neutral","sentiment_score":0.0466940775513649}],"sentiment":"neutral","sentiment_score":0.09533323347568512,"num_words":5,"start":2054.2449,"end":2069.1702},{"sentences":[{"text":"Yeah.","start":2069.23,"end":2069.3901,"sentiment":"neutral","sentiment_score":0.046323440968990326},{"text":"No.","start":2069.3901,"end":2069.71,"sentiment":"neutral","sentiment_score":0.05121505260467529},{"text":"Sounds good.","start":2069.71,"end":2070.53,"sentiment":"positive","sentiment_score":0.3463146239519119},{"text":"Yeah.","start":2096.8298,"end":2097.0698,"sentiment":"neutral","sentiment_score":0.029398348182439804},{"text":"I don't not sure.","start":2097.0698,"end":2098.03,"sentiment":"neutral","sentiment_score":-0.03991975821554661}],"sentiment":"neutral","sentiment_score":0.0733207840886381,"num_words":9,"start":2069.23,"end":2098.03},{"sentences":[{"text":"It depends how it really goes.","start":2098.03,"end":2099.3098,"sentiment":"neutral","sentiment_score":-0.016316442750394344},{"text":"But possibly yeah.","start":2099.3098,"end":2103.15,"sentiment":"neutral","sentiment_score":-0.02171393856406212},{"text":"See what happens when I get there.","start":2103.15,"end":2104.43,"sentiment":"neutral","sentiment_score":-0.010162548561181341},{"text":"If I need to use it or not, I don't really know yet.","start":2104.43,"end":2108.185,"sentiment":"neutral","sentiment_score":-0.026821894141343925},{"text":"But yeah.","start":2108.325,"end":2109.385,"sentiment":"neutral","sentiment_score":0.029163530096411705}],"sentiment":"neutral","sentiment_score":-0.01692051212153127,"num_words":31,"start":2098.03,"end":2109.385},{"sentences":[{"text":"I guess maybe as soon as possible.","start":2110.485,"end":2112.2651,"sentiment":"neutral","sentiment_score":0.089545838534832},{"text":"Yeah.","start":2143.805,"end":2144.125,"sentiment":"neutral","sentiment_score":0.07070603221654892},{"text":"Is there any way of accessing your super even before the age of 60?","start":2144.125,"end":2148.305,"sentiment":"neutral","sentiment_score":0.07050872833601066},{"text":"Is is there a way you can do that?","start":2148.67,"end":2150.29,"sentiment":"neutral","sentiment_score":0.07277198135852814},{"text":"Yeah.","start":2160.7148,"end":2161.035,"sentiment":"neutral","sentiment_score":0.03300098329782486}],"sentiment":"neutral","sentiment_score":0.07414368481840938,"num_words":32,"start":2110.485,"end":2161.035},{"sentences":[{"text":"That's what it was.","start":2161.035,"end":2161.835,"sentiment":"neutral","sentiment_score":0.042934687808156013},{"text":"First time buyer.","start":2161.835,"end":2162.795,"sentiment":"neutral","sentiment_score":0.03383976221084595},{"text":"Yeah.","start":2162.795,"end":2163.295,"sentiment":"neutral","sentiment_score":0.05106380209326744},{"text":"Yeah.","start":2185.03,"end":2185.53,"sentiment":"neutral","sentiment_score":-0.03801745921373367},{"text":"Yep.","start":2195.385,"end":2195.885,"sentiment":"neutral","sentiment_score":0.16852138936519623}],"sentiment":"neutral","sentiment_score":0.04548257701098919,"num_words":10,"start":2161.035,"end":2195.885},{"sentences":[{"text":"That's good.","start":2196.105,"end":2196.925,"sentiment":"positive","sentiment_score":0.6408761441707611},{"text":"No.","start":2210.0,"end":2210.1602,"sentiment":"neutral","sentiment_score":-0.016408927738666534},{"text":"I think everything's been covered nicely.","start":2210.1602,"end":2212.34,"sentiment":"neutral","sentiment_score":0.21025524785121283},{"text":"Yeah.","start":2212.4001,"end":2212.9001,"sentiment":"positive","sentiment_score":0.3569067716598511},{"text":"Yep.","start":2231.01,"end":2231.25,"sentiment":"neutral","sentiment_score":0.2299320548772812}],"sentiment":"neutral","sentiment_score":0.2830648794770241,"num_words":11,"start":2196.105,"end":2231.25},{"sentences":[{"text":"Sounds good.","start":2231.25,"end":2232.15,"sentiment":"positive","sentiment_score":0.6395262777805328},{"text":"Yep.","start":2256.9548,"end":2257.435,"sentiment":"neutral","sentiment_score":0.17414747178554535},{"text":"Okay.","start":2257.435,"end":2257.935,"sentiment":"neutral","sentiment_score":0.203915536403656},{"text":"Sounds good.","start":2258.58,"end":2264.26,"sentiment":"positive","sentiment_score":0.6065412759780884},{"text":"You too.","start":2264.26,"end":2264.9202,"sentiment":"positive","sentiment_score":0.48711246252059937}],"sentiment":"positive","sentiment_score":0.4805528800934553,"num_words":8,"start":2231.25,"end":2264.9202},{"sentences":[{"text":"Alright.","start":2266.58,"end":2267.08,"sentiment":"positive","sentiment_score":0.5048396587371826},{"text":"You're alright.","start":2269.3801,"end":2270.12,"sentiment":"positive","sentiment_score":0.5710763335227966},{"text":"See you later.","start":2270.74,"end":2271.48,"sentiment":"positive","sentiment_score":0.40941163897514343},{"text":"Bye.","start":2271.86,"end":2272.36,"sentiment":"neutral","sentiment_score":0.19872212409973145},{"text":"Talk to you.","start":2272.82,"end":2273.4602,"sentiment":"neutral","sentiment_score":0.11485891044139862}],"sentiment":"positive","sentiment_score":0.34185260981321336,"num_words":10,"start":2266.58,"end":2273.4602},{"sentences":[{"text":"Bye.","start":2273.4602,"end":2273.9602,"sentiment":"neutral","sentiment_score":-0.1270601451396942}],"sentiment":"neutral","sentiment_score":-0.1270601451396942,"num_words":1,"start":2273.4602,"end":2273.9602}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi. Good afternoon. This is Dana. How are you?\n\nChannel 1: Hi. Yeah. I just missed your call.\n\nChannel 0: Yeah. Thanks so much for calling back, Hayden. I had you booked in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Yeah. No worries. How's your day been so far?\n\nChannel 1: Yeah. Yeah. Pretty good. Pretty busy.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah.\n\nChannel 0: This\n\nChannel 1: Just\n\nChannel 0: is\n\nChannel 1: finished\n\nChannel 0: good.\n\nChannel 1: work.\n\nChannel 0: Yeah. Oh, understandable.\n\nChannel 1: Yeah.\n\nChannel 0: Hayden, we do normally send through some annual review documents to you via email. Are you able to access your emails at the moment? If you're not, that's absolutely fine.\n\nChannel 1: Yeah. Can I assist it?\n\nChannel 0: Yep. Beautiful. So what I'm gonna do, I'm gonna send some documents through to you there. You're welcome to open that up and have a bit of a look at those as we are running through them.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Not an issue at all. Beautiful. Now as we are just going through your annual review and having a bit of a chat and an update of things, is there anything specific question wise you had for us or anything you wanted me to sort of touch base on specifically today for you?\n\nChannel 1: No. Nothing. Nothing really. No.\n\nChannel 0: No. That's okay. Not a problem at all. Now hopefully that email pops through to you fairly quickly there. It should just come through either myself at Dana Ophi Financial or say on there as well.\n\nChannel 1: Yeah. Just park for the yeah. Just film.\n\nChannel 0: Yeah. Beautiful. All good. Now when you open the email, it essentially does have a section where you can sign. That is the ongoing service agreement there for you.\n\nSo, essentially, after the call, if you are happy to stay on board as a client for the next twelve months, we'd be to sign and return that one back there for us. The attachments\n\nChannel 1: Yep.\n\nChannel 0: is sort of what we're focusing on at the moment. So, essentially, you'll see the summary of superannuation and insurances on the attachment side of things for you, and that's giving you an update of your super balance there. So just to sorta have a look, I had a look back last year. Your annual review sorry. Your balance this time last year was about 40,220 and 90¢ there, and your balance as of today is 26.\n\nSo just a couple of days ago, you're up to 50,477 and 74¢ there. So you have had a good increase in your super balance. And I can see that you are making those regular contributions of a $100 into your super as well, which is fantastic, and that definitely goes towards helping with the compounding effect there. Now just sort of clarifying, Hayden, I've got it down here. You're self employed.\n\nIs that right?\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Yeah. All good. Now those contributions that you are putting into the account, it looks like you have made 5,300 of those as nonconcessional contributions. Did you want to claim a notice of intent against those as to claim the contributions as a bit of a tax deduction on your tax return this\n\nChannel 1: Yes. That sounds good. Yeah.\n\nChannel 0: year? Yeah. No. Not a problem at all. Do you understand how that works, or do you have any questions in relation to claiming notice of intent?\n\nOr\n\nChannel 1: Yeah. How does it work? How does\n\nChannel 0: yeah.\n\nChannel 1: it work?\n\nChannel 0: All good. Not a worry. So, essentially, the contributions you are putting into the account go in there as a voluntary contribution. So it's essentially just the money goes in from your what we consider after tax money, and then the a 100% of the funds are fully invested into your portfolio. Essentially, by claiming notice of intent, you're telling the Superfund that you intend to claim the contributions made as a tax deduction.\n\nSo they will deduct 15% tax out of the contributions put into the account. And then when you do your tax return at after the July 1, you'll essentially be able to claim the contributions back as a bit of a tax deduction to help reduce your taxable income there. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So a nice little $5,000 tax deduction wouldn't go so bad.\n\nChannel 1: No. That sounds good.\n\nChannel 0: All good. Well, what I'll do is I'll get the team to do up the notice of intent for you. Now did you we actually don't need you to sign anything. We can submit that straight on your behalf. Are you planning on making another $100 contribution before the end of tomorrow, or is that basically what's in there?\n\nIs it for this financial year?\n\nChannel 1: Yeah. I think I just wanted to make sure that's it. Yeah.\n\nChannel 0: Yep. That's okay. And are you happy? You've got 5,300 in there for this financial year currently nonconcessional. Are you happy for us to claim the full amount as under the notice of intent?\n\nChannel 1: Yeah. That's all good.\n\nChannel 0: Yeah.\n\nChannel 1: I could\n\nChannel 0: Beautiful.\n\nChannel 1: I could possibly split it up, couldn't I, over\n\nChannel 0: No.\n\nChannel 1: or\n\nChannel 0: You\n\nChannel 1: is\n\nChannel 0: actually\n\nChannel 1: it\n\nChannel 0: can't. Yeah. You\n\nChannel 1: yeah.\n\nChannel 0: have\n\nChannel 1: Okay.\n\nChannel 0: to claim it. You can only\n\nChannel 1: Within\n\nChannel 0: claim\n\nChannel 1: that\n\nChannel 0: it\n\nChannel 1: year.\n\nChannel 0: for the financial year.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Correct. Yeah. But you're putting that money in next year as well, and you could always increase your contributions next year if you wanted to as well. So if that's\n\nChannel 1: Yep.\n\nChannel 0: something you wanted to discuss or look at in a bit more detail, let me know. I'm more than happy to do so. So what I'll\n\nChannel 1: Yep.\n\nChannel 0: do is I'll claim that notice of intent for you for 5,300 for this financial year. That will essentially change the contribution. This side of things, we'll send you an acknowledgment, which shows you that you've claimed the 5,300 under the notice of intent. And when you go to do your tax return, that will all already be in your system. So what happens is once we claim that NOI for you, your super fund will notify the ATO of the intention to claim and that this has been done.\n\nAnd so when you go if you see your account, that information should all be prepopulated for you. But I will just email you the acknowledgment anyway just as a bit of a backup just in case they haven't gotten around to free filling that information. Okay?\n\nChannel 1: Yep. No. Awesome.\n\nChannel 0: Yep. Beautiful. A nice little 5,300 tax deduction.\n\nChannel 1: Yeah. Lovely.\n\nChannel 0: All good. And you're a concrete a carpenter. Sorry. Is that right?\n\nChannel 1: Yeah. Yep. Yeah.\n\nChannel 0: Yeah. Beautiful. Has business been picking up this year? Or\n\nChannel 1: Yeah. It's on they're just putting on a couple\n\nChannel 0: oh,\n\nChannel 1: more people, so still\n\nChannel 0: fantastic.\n\nChannel 1: growing.\n\nChannel 0: Excellent. Fantastic. Good to see. So that's the notice intent side of things and the the contribution side of things, which is great. Now I've given you your balance, which has been fantastic to see.\n\nTo kinda give you an idea, you also have on that email there a performance with internal rate of return. So it's actually called the hub 24 performance report. If you were to open up this one and have a look at the second page there, it actually shows that the return you've saved received net of fees in your super fund is 11.4% this this for the last twelve months. So your super has done really well. We have seen some really good growth there, and we just wanna make sure we are compounding that forward.\n\nSo it is really good to see. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Can you see that performance reporting there? Do you\n\nChannel 1: Yeah. Yeah. I just went into Hub twenty four one. Yep.\n\nChannel 0: yeah. Nice. Always just go to the resource. Easy. So with this one here now I'm not sure if you're aware or if you remember or if you received the email, but back in about March, we sent out what was called a record of advice to you.\n\nThis was a bit of an investment change we were making in your super fund. Did you receive that, or do you remember receiving that at all?\n\nChannel 1: I don't remember receiving it, but\n\nChannel 0: Nope. That's okay.\n\nChannel 1: I think I think something was mentioned about it. I don't quite remember.\n\nChannel 0: Yeah. That's absolutely fine. So, essentially, in your portfolio when you came on board in 2024, essentially, you did have the Benelon Australian Equities investment in there. Now that sort of investment manager is an actively managed fund, and that investment manager is supposed to be trying to outperform against the market or the benchmark that they're trying to that they're working with. Essentially, Benelon hasn't been able to do that.\n\nThey have been underperforming pretty significantly. So in around about March, we sent out a record of advice for you to notify you that we were making an investment change. So we've removed because it was underperforming. Don't wanna keep any funds that aren't doing well for you. And we've actually moved the money into the a 200, so the Australian Equities a 200 ETF.\n\nThis investment, which is good, is actually giving you greater diversification. So instead of tracking, you know, the 15 to diversification. So instead of tracking, you know, the 15 to 20 different investments, you've actually got the top 200 companies on the ASX, so you've got greater diversification. But the a 200 investment is also a cheaper as well. So it's actually saving you a bit in the way of investment fees, which is a positive, and that the compound afford can provide greater growth there.\n\nSo I just wanted to make sure that you have that that we did let you know that there have been some changes to your portfolio over the past few months. We did note there was an underperforming investment. We don't want you to be in anything underperforming and wanna make sure your portfolio is continuously growing and working towards your goals, building in your space for that. So we did have that one moved out. And now, you know, looking at where you were twelve months ago and having 11% return net of fees is a good return for the year.\n\nOkay.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. Do you have any questions about your super, the investments, or anything that have gone through so far? If you do, you're welcome to ask.\n\nChannel 1: No. No questions.\n\nChannel 0: No. Beautiful. All good. That's essentially a breakdown of your super, which is fantastic to see. With the insurance side of things, now you do have your MetLife policy, and you currently have you're insured for 330,750 of life and also total permanent disability cover.\n\nIf in the event of, say, passing away, your life benefit is paid out, but so is your super balance. Do you remember with your goal what was it you were sort of wanting to have cover if you were to pass away? What are you wanting to happen to those funds?\n\nChannel 1: I think it was just transferred to the beneficiary that was underneath\n\nChannel 0: Yep.\n\nChannel 1: me. I think it might have been my mother, maybe.\n\nChannel 0: Yep. That's okay. I'm just also having a quick look at your beneficiary status inside your super fund as well to see. Because having a look at your fact find here now I've got it down that you're in a de facto relationship. Is that still correct, or has that changed?\n\nChannel 1: Yeah. No. Still in the same relationship. Yep.\n\nChannel 0: Still yep. Beautiful. That's okay. And no dependent children at all? No.\n\nThat's absolutely\n\nChannel 1: No.\n\nChannel 0: fine. So I do have it on here that your beneficiary nomination has been made out a 100% to Madeline. Is that right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Okay. And so is Madeline your mom?\n\nChannel 1: Yep.\n\nChannel 0: Okay. So to kinda go through and to have a look with the beneficiary nomination through Super and for your life insurance, as they do have very specific situations. Essentially, a beneficiary can only be a spouse, a child, or someone who relies on you financially or lives with you and, again, relies on you financially. So does does your mom rely on you financially? Do you help her pay her bills, or, you know, is she living with you?\n\nChannel 1: No. I should I I don't know.\n\nChannel 0: No. That's okay. So, technically, in order for her to qualify as a to be named as a beneficiary on your super and your life insurance, she needs to fit one of those categories. Unfortunately,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: the way it is structured now, if you were to pass away, touch wood, nothing happens. We don't want it to. But if that was to occur, the beneficiary nomination is in place, and she could then claim. However, they would assess that claim, have her prove. She'd have to be able to need to prove that she was financially dependent on you, that you had an interpersonal relationship.\n\nAnd if she can't\n\nChannel 1: Yep.\n\nChannel 0: prove that, then, unfortunately, they make the they say it's null and void, and they just don't pay the claim, which is probably not very fair to your mom. She's gone through all this work and, know, thought she was able to get the funds and made the claim. But then to come back\n\nChannel 1: Yep.\n\nChannel 0: and say, I'm sorry. You don't actually qualify can be a little bit horrible on her. So there is another way to sort of structure it. Now do you happen to have a will in place? Have you ever drawn up a will?\n\nChannel 1: No. I don't have one.\n\nChannel 0: No. That's okay. So there is another way to structure the beneficiary nominations so that your mom received the funds. On the on the beneficiary nomination, we can always pick legal personal representative. And that essentially means that in the event of you passing away, your super annual life insurance proceeds are paid directly to your estate.\n\nAnd then it is just really important you have a will in place. And inside that will, you can direct the funds to your mom. Now a will can be done by a solicitor, which can be a little bit more costly, or you can have it done by, you know, your state trustee. They do help and organize things a little bit cheaply. They can also just be a will kit from the post office, which last time I checked was about $35 a will kit.\n\nBut under the current beneficiary, the way it is nominated currently, she wouldn't be able to claim. And if she did go through to claim, it would be rejected, which is probably not what you want your mom to go through if anything was to happen to you. Did you want me to it is best to update your beneficiary nomination. If you like after the call, I could send you an email with some information on a local solicitor and how to get a will drawn up. Would you like me to help you out with that one?\n\nChannel 1: Yeah. That'd be fine. Email would be good. Yeah.\n\nChannel 0: Yeah. Yep. Beautiful.\n\nChannel 1: So\n\nChannel 0: It is\n\nChannel 1: Faye\n\nChannel 0: really really yeah.\n\nChannel 1: so\n\nChannel 0: You're\n\nChannel 1: say it\n\nChannel 0: right.\n\nChannel 1: was, like, my partner and, like,\n\nChannel 0: Mhmm.\n\nChannel 1: she then becomes income income dependent on me because we, like, say we have kids. Would she be\n\nChannel 0: Yep.\n\nChannel 1: then a beneficiary that'll be able to access the full 100% or\n\nChannel 0: So\n\nChannel 1: would\n\nChannel 0: your\n\nChannel 1: she still\n\nChannel 0: partner\n\nChannel 1: have to obviously\n\nChannel 0: is\n\nChannel 1: still have to prove it, obviously?\n\nChannel 0: yeah. No. No. Your partner as she is. If you're in a defective relationship now, the person you're in the relationship with is your spouse, and they are fully qualified for a 100% of the proceeds now or in the future.\n\nSo your spouse is completely fine, and they receive the funds tax free. It's just that, unfortunately, mom and dad don't qualify under the SIS Act.\n\nChannel 1: Yeah. Okay. Is there a way that we could probably\n\nChannel 0: Yeah.\n\nChannel 1: change that to my\n\nChannel 0: Absolutely.\n\nChannel 1: partner?\n\nChannel 0: Yeah. Absolutely. Are you you're happy for her to receive a 100% of the funds in the event that something happens?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. If I can describe your partner's details, if you like, I can have my team we can prefill the form for you, send it out. That way, you just have to have it signed and witnessed. Is that okay?\n\nChannel 1: Yeah. That's all good.\n\nChannel 0: Yeah. We'll make it nice and easy on you. Oh, good. What's your partner's name?\n\nChannel 1: Laura.\n\nChannel 0: Is it l a u r a?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And what was her surname?\n\nChannel 1: Egan, e g a n.\n\nChannel 0: Beautiful. Do you know her date of birth at all?\n\nChannel 1: Yes. The ninth of the third\n\nChannel 0: Yep.\n\nChannel 1: of March. Sorry. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: 1995.\n\nChannel 0: 1995. Beautiful. So it's the 03/09/1995. Fantastic. Is her address the same as yours, or does she reside in a different address?\n\nYep.\n\nChannel 1: No. Same address. It should be the 12 Caribbean Avenue, Ashmore.\n\nChannel 0: That's the one. Yeah. Perfect. Not a problem at all. And I'll tick staff for that one.\n\nAnd you're happy with me ticking a 100% of the nomination to be paid to have?\n\nChannel 1: Yeah. That's all good.\n\nChannel 0: Beautiful. Lovely. And we can update that for your super annual life insurance. Is that okay? Or\n\nChannel 1: Yes. That's all good too.\n\nChannel 0: yeah. Beautiful. Lovely. Just need to get clarification. You're happy for me to take care of that.\n\nBut, look, you're busy, so we'll take care of the hard work in filling out this form. And then we can either email it or post it to you, and we can have that nomination updated nice and easily. That way it reflects your wishes. And that way your family don't have to in the event something was to happen, don't have a stressful time claiming.\n\nChannel 1: Yeah. Sounds\n\nChannel 0: Okay.\n\nChannel 1: good.\n\nChannel 0: Fantastic. Did you want us to email or post or both? What's easier for you, Hayden?\n\nChannel 1: You probably can you so I'll just email just be a digital DocuSign or will I have to still get\n\nChannel 0: You\n\nChannel 1: a\n\nChannel 0: have\n\nChannel 1: witness?\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: have to print and sign and get two witnesses. Yeah. Sorry.\n\nChannel 1: Yeah. That's all. I'll probably use the paper copy and maybe the\n\nChannel 0: The\n\nChannel 1: email\n\nChannel 0: paper?\n\nChannel 1: as well just in case it gets lost.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, they're both.\n\nChannel 0: Yeah. Not a problem at all. We'll have a reply envelope in there pre addressed back to us to make it easier for you as well. Okay.\n\nChannel 1: Oh, perfect.\n\nChannel 0: Fantastic. All good. Now with the life amount that you are covered for there, as I kinda mentioned, the sum insured, 330,750. Are you happy with the level of cover you have, or did you wanna look at maybe increasing or altering that level of cover?\n\nChannel 1: No. That cover's fine.\n\nChannel 0: That's fine. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Is that\n\nChannel 0: with\n\nChannel 1: so that's\n\nChannel 0: t p\n\nChannel 1: an annual fee,\n\nChannel 0: yes.\n\nChannel 1: is it? So sorry for that that life insurance.\n\nChannel 0: You're absolutely fine. So, yeah, you do pay for the out of your super, and you pay for it on a yearly basis. So the total for your life, PPD, and income protection you paid for recently is a $1,782.89.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And you just\n\nChannel 1: Yeah.\n\nChannel 0: pay once a year out of your super fund. So the idea is we want it to come out of the growth and all the income that your super is generating. That way your super still continues to grow, but you also get to have the level of cover that you need. Does that make sense?\n\nChannel 1: Yeah. No. That's perfect.\n\nChannel 0: Yeah. Excellent. Now you also have the same level of cover for\n\nChannel 1: Perfect.\n\nChannel 0: TPD. So TPD is total permanent total permanent disablement. It essentially pays out either a lump sum benefit or an income stream in the event that you're disabled and not able to go back to work again. To meet that definition of TBD, you have to be unable to go to back to any job for which you are educated, trained, or have worked in previously. So it is quite a broad definition.\n\nDo you think that that level of cover is suitable for you? Did you wanna look at altering the TPD level of cover you have? Or\n\nChannel 1: No. That'd be fine. There it is.\n\nChannel 0: that's okay? Yeah. Beautiful. And then you've also got some income protection here as well. So income protection pays out a monthly benefit if you're unable to work in the short term due to due to illness or injury.\n\nIncome wise, I don't have an updated income. What do you estimate your income to be this year?\n\nChannel 1: Probably, for me personally, probably take home a 120 to a 130 probably, and then I'll leave\n\nChannel 0: Okay.\n\nChannel 1: this to the rest of my business.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: that's\n\nChannel 0: That's\n\nChannel 1: why I\n\nChannel 0: okay.\n\nChannel 1: was paying myself an annual wage pretty much around that\n\nChannel 0: Okay.\n\nChannel 1: And then\n\nChannel 0: And\n\nChannel 1: yeah.\n\nChannel 0: is your business is is your business set up as are you a sole trader or a company? Or\n\nChannel 1: I said it was a company.\n\nChannel 0: okay. Beautiful. So you pay yourself as an employee. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: The wage. Yeah.\n\nChannel 0: Yep. Absolutely. So now if we had a bit of a look with income protection, you can be covered for up to 70% of your, essentially, your gross income. Based on your with what you're insured for at the moment, your monthly benefit you're insured for is 3,094 pretax. So if you were on an income protection claim, just like your income, you are taxed on the amount that you receive.\n\nSo say you've received about 2,800 from a monthly benefit sort of give or take net. Would that benefit amount cover you, or do you think you might need to increase that? Because based on a 120,000, you're a little bit low. The income protection, you are a bit underinsured there. Do you feel like you need to have maybe increase that, or do you feel like if you weren't able to work, you've got enough in the way of the business income and maybe have enough in the bank to cover you, or what's your thought?\n\nChannel 1: Yeah. I should be fine with that because I have a black worker's working for me, so the company\n\nChannel 0: Yep.\n\nChannel 1: can\n\nChannel 0: Okay.\n\nChannel 1: keep working if anything happens.\n\nChannel 0: Yeah. Perfect. So they can still keep doing the jobs, and you can still pay keep paying yourself to to provide that\n\nChannel 1: Yeah.\n\nChannel 0: offset. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Now you've also got a thirty day waiting period with that one, so it does mean that you just have to be off work for thirty days prior to making a claim. I like to maybe suggest that if you feel like you're gonna be off work and meet that waiting period and something happens, give us a call, let us know. That way, we can let the insurer know that the claim needs to start, and they can start calculating that thirty day waiting period for you. We can get the claims documents sorted.\n\nThat way, when you hit that thirty days, we can submit everything and try to get the claim processed as quickly as possible for you. Okay?\n\nChannel 1: Yeah. And that's for the claim.\n\nChannel 0: Excellent.\n\nChannel 1: Was that like did they get like a did they get like a back charge, or you just get it from that day when you first get the claim put through?\n\nChannel 0: Yeah. So it takes you have to wait the thirty days prior to putting the claim documents in, and then it generally takes about another thirty days for them to complete the assessment of the claim, and you are paid thirty days in arrears. So, realistically, you could be off work and not having any income for about sixty to ninety days prior to you actually receiving your first payment. That is if it all goes accordingly. I have seen it happen faster, but you would definitely be off work and probably not receiving any kind of income for the first at least sixty days.\n\nChannel 1: Yeah. And what if you return back to work within those sixty days?\n\nChannel 0: So\n\nChannel 1: Like,\n\nChannel 0: they'll\n\nChannel 1: say\n\nChannel 0: assess yeah. They'll assess essentially when you go back to work and whether because you are paid in arrears, as long as you've met that thirty day waiting period.\n\nChannel 1: you're\n\nChannel 0: If in that next thirty days you happen to go back to work, they'll just assess whether you were eligible for anything based on everything that was submitted, and you might get a week or two or one month payment there for you as well. So there is a chance you could get a payment. It just all comes down to what happens, what the illness of injury is, how quickly we get everything in and get the claim started, but also how long you're off work for and what what happens long term.\n\nChannel 1: Yeah. No. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: So all good. You've also got an age 65 benefit period there, which means that if anything did happen, you can be on a claim up to the age of 65. Normally, with these sort of claims, if you are on an income protection claim long term, say, more than, you know, five or ten years, they often then do a bit of a big payout, so you're not getting a monthly benefit for till age 65. However, it does depend on the claim. There's a few different factors that sort of go into play there.\n\nBut having an age 65 benefit period is good. It does mean if something happens, especially in your area with what you do for a living. If you weren't ever able to get back to work again, you can be on a claim giving you a bit of supplement income to the age of 65, which does sort of help with the benefit. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: All good. Do you have any questions about how any of those insurances work, the lack of teeth that is the income protection? You're welcome to ask me to clarify more if you need to.\n\nChannel 1: Oh, that's so\n\nChannel 0: Yeah. All good. It's always a a funny one.\n\nChannel 1: good.\n\nChannel 0: Like, the insurances, we pay for all the insurances we have to cover us. If in the event something was to happen, it might only be a one or 2% chance it's actually claiming. And the biggest risk we have is that we hold the insurances. We keep paying the premiums, and we never actually claim on them. They just expire or we cancel them later down the track.\n\nSo it's kind of a gotta love that one, don't\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: Yeah. Yeah. Definitely.\n\nChannel 0: All good. Now you don't happen to have any insurances outside of super, like, trauma. Did you want me to talk you through what trauma is, how that works? Are you happy just for the three types of cover you have?\n\nChannel 1: I was happy with the three tops.\n\nChannel 0: Happy? That's okay. If you ever have any more questions, want them broken down, or more further detail, let me know. More than happy to do so. We can review this at any time with you as well.\n\nOne of the biggest things to sort of keep in mind is that these insurances do get more expensive over time. So as you go through a renewal every year, the cost of the insurances increases, but also the amount you're covered for increases as well. So, you know, you get the benefit of having, yeah, an increase every year on how much you're covered for, but, unfortunately, the premium is gonna get more expensive the older you get as well. So we'll make sure we keep reviewing these with you and alter the cover as we need to moving forward. Okay?\n\nChannel 1: Yes. That would be.\n\nChannel 0: Fantastic. Now just to sort of update all your assets here as well, I've got your main primary residence down there. You had an asset value last time of about 1,200,000. What sort of value would you put on the property now, do you think?\n\nChannel 1: The property? Yeah. It's I think it's probably I think it's I think I just checked it at one point two thirty or something.\n\nChannel 0: Yeah.\n\nChannel 1: Had to really\n\nChannel 0: Yeah.\n\nChannel 1: jump\n\nChannel 0: Perfect.\n\nChannel 1: massively,\n\nChannel 0: That's\n\nChannel 1: but\n\nChannel 0: Excellent. Excellent. And what sort of do you have a loan\n\nChannel 1: yeah.\n\nChannel 0: on that one still?\n\nChannel 1: Yeah. I have a line. Yeah.\n\nChannel 0: Yep. How much do you have owing on that one still at the moment?\n\nChannel 1: Still well, 100% sure. It's been fine. It's like\n\nChannel 0: That's\n\nChannel 1: most\n\nChannel 0: okay.\n\nChannel 1: of it.\n\nChannel 0: Yeah. Even\n\nChannel 1: It's\n\nChannel 0: just\n\nChannel 1: because\n\nChannel 0: an\n\nChannel 1: we\n\nChannel 0: approximate\n\nChannel 1: haven't yeah.\n\nChannel 0: figure.\n\nChannel 1: We only just bought it. So\n\nChannel 0: Alright. And do you remember what the loan was when you purchased the property?\n\nChannel 1: It's going to bank now. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It was\n\nChannel 0: You're right.\n\nChannel 1: because it had also had a guarantor for it as well. So\n\nChannel 0: Yep. Perfect.\n\nChannel 1: yeah. We didn't even have yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. So yeah. So the net balance we owe is 1.196.\n\nChannel 0: $9.06. Beautiful. Thank you for that. And do you have any other cars, boats, caravans, anything else of value?\n\nChannel 1: Yeah. I have a car.\n\nChannel 0: Yep. What kind of car do you drive?\n\nChannel 1: It's a iZuzu D Max four wheel drive.\n\nChannel 0: Oh, nice. Yeah. Perfect. And what sort of value would you put on that, do you think?\n\nChannel 1: Probably, like, 35 to 40.\n\nChannel 0: Yeah. Perfect. Go on the top range there. They tend to hold their value quite nicely, the D Maxes.\n\nChannel 1: Yeah. Pretty good. Okay.\n\nChannel 0: And do you have a loan on that one, or do you own it outright?\n\nChannel 1: Oh, no. In this one.\n\nChannel 0: Own it outright. Beautiful.\n\nChannel 1: Yeah. Alright. Yeah.\n\nChannel 0: And yeah. Excellent. Do you have any shares, cryptocurrency, collections, or tools of trade that you'd note down a value?\n\nChannel 1: Yeah. I have pools.\n\nChannel 0: Yep. If you sorta had to put a value on all your tools, what do you think you might value them at?\n\nChannel 1: Probably say, either like 10 to 15, probably like 12, I reckon.\n\nChannel 0: Yeah. Beautiful. And and the\n\nChannel 1: 5\n\nChannel 0: other thing\n\nChannel 1: grand.\n\nChannel 0: I do\n\nChannel 1: Yeah.\n\nChannel 0: like to yeah. Fantastic. The other thing I do like to note down is the contents. Because when you look at everything you have in your house, realistically, the contents is quite valuable. We tend to ensure that to protect, you know, if we had to replace everything.\n\nWhat do you estimate your contents or value might be if your content?\n\nChannel 1: Yeah. I'd probably say close to 20,\n\nChannel 0: Yep. 20\n\nChannel 1: maybe\n\nChannel 0: thousand?\n\nChannel 1: 20. Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. Lovely. And do you have any credit cards or personal loans or anything else that you need to note down liability wise?\n\nChannel 1: I have an Amex card, but that's attached to my business. So\n\nChannel 0: Yep.\n\nChannel 1: it's not\n\nChannel 0: No.\n\nChannel 1: for\n\nChannel 0: That's\n\nChannel 1: me personally.\n\nChannel 0: okay. Yeah. That's fine as well. All set by the company. Fantastic.\n\nAnd I've got your as you mentioned, your income here of about 120,000, and you're just making contributions of about a $100. It looks like it's on a weekly basis. Is that right?\n\nChannel 1: Yeah. I think that's gonna change to obviously doing super. Well, I think super is every week now, but\n\nChannel 0: Yep.\n\nChannel 1: it it used to I used\n\nChannel 0: The\n\nChannel 1: to\n\nChannel 0: payday.\n\nChannel 1: just make my own claims to be a, like, a sole trader or a choice to operate out of a trust, so it's a little bit different.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: Yep.\n\nChannel 1: now\n\nChannel 0: So\n\nChannel 1: I've fixed\n\nChannel 0: it's all\n\nChannel 1: it to a company\n\nChannel 0: Gotcha.\n\nChannel 1: structure. So now I pay myself\n\nChannel 0: Yep.\n\nChannel 1: a wage and I pay myself super. So\n\nChannel 0: Okay. And the super, will that be going in at the 12% rate? So on a 120,000, you can expect about 14,400 in contributions. Is that gonna be what we're sort of expecting?\n\nChannel 1: yeah. Yeah. That's fine. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I just need\n\nChannel 0: Yeah.\n\nChannel 1: to whatever the top of the 5%. Yep.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Fantastic. Thank you for that.\n\nAnd are you wanting to make additional contributions over and above that, like, say, you know, your $100 per week, say, salary sacrifice or non concessional, or you're just happy to see what what the, you know, SDC contributions do with you now being a company?\n\nChannel 1: Yeah. I'll just keep with the the company structure for now and just\n\nChannel 0: Yep.\n\nChannel 1: see\n\nChannel 0: That's\n\nChannel 1: how it\n\nChannel 0: absolutely\n\nChannel 1: looks, I guess.\n\nChannel 0: fine.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. No. Not a problem at all. And are you paying extra onto your mortgage sort of looking to try and pay that down as quickly as possible? Or\n\nChannel 1: Yeah. Kinda. We're we're looking at\n\nChannel 0: kind\n\nChannel 1: building we're looking at building a granny\n\nChannel 0: of\n\nChannel 1: flat on the property.\n\nChannel 0: yeah. Nice.\n\nChannel 1: Then obviously rent that out to then increase cash flow\n\nChannel 0: Yeah.\n\nChannel 1: that way and then most likely move out of the house and rent both of them at the same time.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: that's kind of that's\n\nChannel 0: So create\n\nChannel 1: kind\n\nChannel 0: a\n\nChannel 1: of the\n\nChannel 0: similar\n\nChannel 1: plan,\n\nChannel 0: income\n\nChannel 1: but\n\nChannel 0: stream. Yep.\n\nChannel 1: yeah. So I'm kind of pausing, like, the pain of downs because we can't and just putting aside as much money as we can to build this granny\n\nChannel 0: Mhmm.\n\nChannel 1: flat because that's\n\nChannel 0: Yeah.\n\nChannel 1: gonna obviously\n\nChannel 0: Yep.\n\nChannel 1: have a value of, like, a $150. It's probably gonna cost the build, but as a value of, like, over 300,000, it's\n\nChannel 0: Yep.\n\nChannel 1: already been, like, kind of evaluating that.\n\nChannel 0: Yeah. Beautiful. Excellent. And what's the time frame you're hoping to have the granny flat sorted in?\n\nChannel 1: Hopefully, within a year and a half. So we've\n\nChannel 0: Okay.\n\nChannel 1: already started kind of building it like it's getting out of the ground, but we're just waiting for extra permits and stuff like that.\n\nChannel 0: Yeah. The council stuff, that's all fun, isn't\n\nChannel 1: Yeah.\n\nChannel 0: it?\n\nChannel 1: Yeah. Accountants will be approved. It's more just the building approval through\n\nChannel 0: Yep.\n\nChannel 1: a certifier. So\n\nChannel 0: Right. No. That's good. Well, hopefully, it all goes through fairly quickly for you. That sounds exciting.\n\nAnd\n\nChannel 1: yeah.\n\nChannel 0: so\n\nChannel 1: Yeah.\n\nChannel 0: moving forward, your plan is to kind of move out of that property. You'll have it as the investment as well as the granny flat. So two essentially, two different properties providing income there. And then are you looking to sort of buy your next property as your main primary residence again? Or\n\nChannel 1: Yeah. We're looking probably to rent, but, yeah, that's probably the plan. Probably won't be our primary. It's probably just do, like, a similar thing despite something that we\n\nChannel 0: Okay.\n\nChannel 1: can obviously add a granny flat to add some sort of value to, and then, yeah, just keep I don't know.\n\nChannel 0: And rent\n\nChannel 1: Things until\n\nChannel 0: out.\n\nChannel 1: eventually\n\nChannel 0: Yeah.\n\nChannel 1: we can obviously buy, like, our, I guess, you like it forever home or dreamer, whatever you wanna call it. But, yeah, eventually,\n\nChannel 0: Yeah.\n\nChannel 1: like,\n\nChannel 0: The\n\nChannel 1: the one\n\nChannel 0: the\n\nChannel 1: you're living\n\nChannel 0: dream\n\nChannel 1: living\n\nChannel 0: home.\n\nChannel 1: for. Yeah. You're living.\n\nChannel 0: Yeah. No. Absolutely perfect. That sounds fantastic. Lovely.\n\nAnd do you have any other goals that you're looking to hopefully achieve over the next one to two years, or is it more just building on this property dream and building your property portfolio up?\n\nChannel 1: Yeah. Just the property portfolio would be pretty that's what we've been wanting to do for a while. So, yeah, kinda got that first one. So, yeah, try to snowball\n\nChannel 0: Yeah.\n\nChannel 1: that.\n\nChannel 0: Oh, that's fantastic. No. Well, I look forward to seeing how that goes and, you know, working with you on the journey. That sounds fantastic. I'm sure your forever home will be amazing when you finally\n\nChannel 1: Yeah.\n\nChannel 0: get to that property.\n\nChannel 1: Okay.\n\nChannel 0: No. All good. Excellent. So what I'll do essentially is we'll get that beneficiary nomination updated with your partner's details. I'll also send out some information on doing up a will and some information around that for you after the call.\n\nThere's no real advice to provide at the moment with regard to your super because we have made that switch of the investments there. It's good just to sort of let them sit for the next sort of six to twelve months and see how that takes and let your, you know, let your super contributions come in. But did you wanna do a catch up in about three, six months? Are you happy just to have a review in twelve months? What would you like to see, Hayden?\n\nChannel 1: Probably just twelve months maybe.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: That's\n\nChannel 1: then\n\nChannel 0: absolutely fine. Yep.\n\nChannel 1: yeah.\n\nChannel 0: Not\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: man.\n\nChannel 0: problem\n\nChannel 1: Oh,\n\nChannel 0: at\n\nChannel 1: we\n\nChannel 0: all.\n\nChannel 1: could do the six months. I don't know. I guess if anything is going bad, maybe we have a review. But\n\nChannel 0: Yep. Well,\n\nChannel 1: if everything's\n\nChannel 0: would you like\n\nChannel 1: if everything's\n\nChannel 0: me to\n\nChannel 1: all\n\nChannel 0: maybe\n\nChannel 1: sweet\n\nChannel 0: yeah.\n\nChannel 1: yeah.\n\nChannel 0: Did you want me to maybe check your super in about six months? So, I mean, we have a look at the portfolios on a pretty regular basis. However, if you like, I could make some time in six months' time, which is basically December, just to see what your super is doing. I\n\nChannel 1: Yep.\n\nChannel 0: could always just decide then whether you need a a catch up if the market is down, if we haven't seen some great returns, maybe give you a call, and we reevaluate your portfolio and look at advising forward. If everything is going well, did you want me just to hold up until the twelve month mark? What would is that be okay with you, or did you\n\nChannel 1: Yeah.\n\nChannel 0: want\n\nChannel 1: That\n\nChannel 0: something\n\nChannel 1: sounds\n\nChannel 0: different?\n\nChannel 1: that sounds perfect. Yeah. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: That's\n\nChannel 1: If\n\nChannel 0: okay.\n\nChannel 1: it's going that way or if it's going good, yeah, I'm happy for the twelve months. That's fine.\n\nChannel 0: Absolutely fantastic. And just so you are aware, the ongoing service agreement, as I mentioned, is in the email there for you. You are on a fee of 1.1 percent. Essentially, our fee structure next year will change, but we're gonna keep you on this for the next twelve months. We'll go through this in more detail down the track.\n\nOur normal fee structure is 1.65%. So we have reduced that fee yourself and keeping you on a lower fee structure now. We wanna make sure your balance is growing and building first before we kind of make any alterations there. So if you are happy to stay on board for another year, we'll get you to sign and return that one back for me. But do you have any questions around the fee structure, how that works?\n\nOr\n\nChannel 1: Yeah. So what am I what am I on originally? Was it 1.3, did you say?\n\nChannel 0: 1.1 for\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: year.\n\nChannel 1: don't want to yeah. And then it's getting\n\nChannel 0: Yeah.\n\nChannel 1: pushed up for the coming year or the year starting now. What was that? Sorry. One point. Or is it gonna stay\n\nChannel 0: So\n\nChannel 1: the same?\n\nChannel 0: we're we're keeping you on the same. It's our fee structure\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: Okay.\n\nChannel 0: normally 1.65%, but we've reduced yours for you. It's about making\n\nChannel 1: Yeah.\n\nChannel 0: sure your sleep is working harder. So you'll stay\n\nChannel 1: Yeah.\n\nChannel 0: on the 1.1 for the for this next year, and then we'll get to the next review, and then you and you and I can assess it again then. Okay?\n\nChannel 1: Yeah. Yeah. No. Sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Fantastic. Just wanna make sure your super is growing and building. You've got a lot of time ahead of you there, but, essentially, you still want your super to be compounding, and starting off now is the best way forward. Looking forward at your retirement, are you sort of hoping to access super as early as possible, say, age 60, or do you think you'd be, leaving it there and maybe working longer? What's your goal for your\n\nChannel 1: Yeah. I don't not sure. It depends how it really goes.\n\nChannel 0: retirement?\n\nChannel 1: But\n\nChannel 0: Yeah. See what happens\n\nChannel 1: possibly\n\nChannel 0: when you get there?\n\nChannel 1: yeah. See what happens when I get there. If I need to use it or not, I don't\n\nChannel 0: Yeah.\n\nChannel 1: really know yet. But yeah.\n\nChannel 0: It's okay.\n\nChannel 1: I\n\nChannel 0: If\n\nChannel 1: guess\n\nChannel 0: you like\n\nChannel 1: maybe\n\nChannel 0: for\n\nChannel 1: as\n\nChannel 0: go\n\nChannel 1: soon\n\nChannel 0: was\n\nChannel 1: as possible.\n\nChannel 0: yeah. If you like go was, I could always say, look. We're working on the age of 60 now. That gives you the option to retire at 60 if your super works really well. However, you don't ever have to.\n\nWe're not gonna force you to. You're welcome to then decide at 60, hey. I like what I'm doing. I wanna go a bit more, or I don't really need to access super. I've got enough passive income to support me through.\n\nSo working on this, you know, giving you 60 active goal means we're working towards that goal, but then you don't have to. You can, you know, change your mind at any point. Does that sound okay?\n\nChannel 1: Yeah. Is there any way of accessing\n\nChannel 0: Yep.\n\nChannel 1: your super even before the age of 60? Is is there a way you can do that?\n\nChannel 0: There is a way. However, it's not preferable. Essentially, you have to meet hardship provisions, or if you're wanting to you know, you're a first home buyer, you can access it that way.\n\nChannel 1: Yeah. That's what it was. First time buyer.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Or if you've got compassionate grounds. So a lot of people tend to access it for, say, medical procedures where they can't fund the procedure out of their back pocket and they need to access super. So, essentially, that's probably the biggest ways to do it. However, accessing it before 60, there is more tax involved. So if you take out some money, they also take out a bit of extra to pay for taxation, and\n\nChannel 1: Yeah.\n\nChannel 0: it could cost you a lot more. So we try to not have to unless you really need to. But if the option's there and you do need it, let us know. We will assist you in that area. Okay?\n\nChannel 1: Yep. That's good.\n\nChannel 0: Beautiful. Is there anything else that I know I've touched on a lot, and you're probably ready to go home, put your feet up for the afternoon. But is there anything else that you maybe needed from me? Have any other questions around? Or\n\nChannel 1: No. I think everything's been covered nicely.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Beautiful. Fantastic. Well, if you find you have any questions, let me know. We'll get that notice of intent claimed for you for the 5,300.\n\nThat will happen, as I said, automatically in your a on your myGov account, but we'll also email you the acknowledgment once it has been acknowledged just so you have that as a confirmation. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. Well, thank you so much. Feel free to review the and the review pack. And once you're happy to, you know, sign and return that back, I'll get you to if you have any questions, let me know. If you find at any point through the year you do need any extra assistance, advice, or you just have some questions for me, just give me a call.\n\nMore than happy to take any calls. You're not limited to once a year or once every six months. We just try not to annoy you too often. That's all. Okay?\n\nChannel 1: Yep. Okay. Sounds\n\nChannel 0: Be beautiful, Hayden. I'll let you go. I hope you have a good restful afternoon.\n\nChannel 1: good. You too.\n\nChannel 0: Thank you for taking\n\nChannel 1: Alright.\n\nChannel 0: my call. I really appreciate it.\n\nChannel 1: You're alright. See you later.\n\nChannel 0: Talk to you\n\nChannel 1: Bye.\n\nChannel 0: soon. See you later.\n\nChannel 1: Talk\n\nChannel 0: Bye.\n\nChannel 1: to you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.2098031640052795},{"text":"Good afternoon.","start":1.4399999,"end":1.92,"sentiment":"positive","sentiment_score":0.3658038526773453},{"text":"This is Dana.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.32636377215385437},{"text":"How are you?","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.2845466633637746}],"sentiment":"neutral","sentiment_score":0.308238019545873,"channel":0,"num_words":9,"start":1.1999999,"end":3.54},{"sentences":[{"text":"Hi.","start":4.0,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.10530656576156616},{"text":"Yeah.","start":4.3199997,"end":4.48,"sentiment":"neutral","sentiment_score":0.11866696923971176},{"text":"I just missed your 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understandable.","start":22.224998,"end":23.205,"sentiment":"neutral","sentiment_score":0.1166514940559864}],"sentiment":"neutral","sentiment_score":0.1295216605067253,"channel":0,"num_words":3,"start":21.505001,"end":23.205},{"sentences":[{"text":"Yeah.","start":22.835,"end":23.335,"sentiment":"neutral","sentiment_score":0.07454836368560791}],"sentiment":"neutral","sentiment_score":0.07454836368560791,"channel":1,"num_words":1,"start":22.835,"end":23.335},{"sentences":[{"text":"Hayden, we do normally send through some annual review documents to you via email.","start":23.985,"end":27.29,"sentiment":"neutral","sentiment_score":0.051735320527638705},{"text":"Are you able to access your emails at the moment?","start":27.29,"end":29.61,"sentiment":"neutral","sentiment_score":0.01729614958167076},{"text":"If you're not, that's absolutely fine.","start":29.61,"end":31.470001,"sentiment":"neutral","sentiment_score":-0.012129044470687708}],"sentiment":"neutral","sentiment_score":0.027482723879317442,"channel":0,"num_words":30,"start":23.985,"end":31.470001},{"sentences":[{"text":"Yeah.","start":32.04,"end":32.28,"sentiment":"neutral","sentiment_score":0.046882014721632},{"text":"Can I assist it?","start":32.28,"end":33.42,"sentiment":"neutral","sentiment_score":0.060439957305788994}],"sentiment":"neutral","sentiment_score":0.057728368788957596,"channel":1,"num_words":5,"start":32.04,"end":33.42},{"sentences":[{"text":"Yep.","start":33.45,"end":33.85,"sentiment":"neutral","sentiment_score":0.16303682327270508},{"text":"Beautiful.","start":33.85,"end":34.35,"sentiment":"positive","sentiment_score":0.408024787902832},{"text":"So what I'm gonna do, I'm gonna send some documents through to you there.","start":34.41,"end":37.365,"sentiment":"neutral","sentiment_score":0.21569432743958064},{"text":"You're welcome to open that up and have a bit of a look at those as we are running through them.","start":37.605003,"end":41.625,"sentiment":"neutral","sentiment_score":0.2788321106206803}],"sentiment":"neutral","sentiment_score":0.25530423022605275,"channel":0,"num_words":37,"start":33.45,"end":41.625},{"sentences":[{"text":"Yeah.","start":45.364998,"end":45.864998,"sentiment":"neutral","sentiment_score":0.11671629548072816}],"sentiment":"neutral","sentiment_score":0.11671629548072816,"channel":1,"num_words":1,"start":45.364998,"end":45.864998},{"sentences":[{"text":"Okay.","start":48.805,"end":49.305,"sentiment":"neutral","sentiment_score":0.12315820902585985},{"text":"Not an issue at all.","start":49.365,"end":51.065002,"sentiment":"neutral","sentiment_score":0.16223073601722718},{"text":"Beautiful.","start":51.86,"end":52.34,"sentiment":"positive","sentiment_score":0.5320033431053162},{"text":"Now as we are just going through your annual review and having a bit of a chat and an update of things, is there anything specific question wise you had for us or anything you wanted me to sort of touch base on specifically today for you?","start":52.34,"end":63.16,"sentiment":"neutral","sentiment_score":0.16022576692890614}],"sentiment":"neutral","sentiment_score":0.16660974588659075,"channel":0,"num_words":54,"start":48.805,"end":63.16},{"sentences":[{"text":"No.","start":64.74,"end":65.14,"sentiment":"neutral","sentiment_score":-0.023775093257427216},{"text":"Nothing.","start":65.14,"end":65.619995,"sentiment":"neutral","sentiment_score":-0.02381322346627712},{"text":"Nothing 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well.","start":73.634995,"end":78.93,"sentiment":"neutral","sentiment_score":0.12217480645460241}],"sentiment":"neutral","sentiment_score":0.15071845147758722,"channel":0,"num_words":36,"start":66.595,"end":78.93},{"sentences":[{"text":"Yeah.","start":81.52,"end":81.84,"sentiment":"neutral","sentiment_score":0.09498661756515504},{"text":"Just park for the yeah.","start":81.84,"end":82.8,"sentiment":"neutral","sentiment_score":0.0786010205745697},{"text":"Just film.","start":82.8,"end":83.46,"sentiment":"neutral","sentiment_score":0.07921775430440903}],"sentiment":"neutral","sentiment_score":0.0808034036308527,"channel":1,"num_words":8,"start":81.52,"end":83.46},{"sentences":[{"text":"Yeah.","start":83.57,"end":84.07,"sentiment":"neutral","sentiment_score":0.1953246146440506},{"text":"Beautiful.","start":84.13,"end":84.63,"sentiment":"positive","sentiment_score":0.4220049977302551},{"text":"All good.","start":84.85,"end":85.59,"sentiment":"positive","sentiment_score":0.3800392150878906},{"text":"Now when you open the email, it essentially does have a section where you can sign.","start":85.73,"end":90.37,"sentiment":"neutral","sentiment_score":0.15444516018033028},{"text":"That is the ongoing service agreement there for you.","start":90.37,"end":93.01,"sentiment":"neutral","sentiment_score":0.1800609595245785}],"sentiment":"neutral","sentiment_score":0.18858893935022683,"channel":0,"num_words":29,"start":83.57,"end":93.01},{"sentences":[{"text":"So, essentially, after the call, if you are happy to stay on board as a client for the next twelve months, we'd be to sign and return that one back there for us.","start":93.01,"end":100.045,"sentiment":"neutral","sentiment_score":0.1564215017539082},{"text":"The attachments","start":100.34499,"end":101.085,"sentiment":"neutral","sentiment_score":0.04960119165480137}],"sentiment":"neutral","sentiment_score":0.15031748403395925,"channel":0,"num_words":35,"start":93.01,"end":101.085},{"sentences":[{"text":"Yep.","start":100.825005,"end":101.325005,"sentiment":"neutral","sentiment_score":0.07345372438430786}],"sentiment":"neutral","sentiment_score":0.07345372438430786,"channel":1,"num_words":1,"start":100.825005,"end":101.325005},{"sentences":[{"text":"is sort of what we're focusing on at the moment.","start":101.145,"end":103.30499,"sentiment":"neutral","sentiment_score":0.07223292365670204},{"text":"So, essentially, you'll see the summary of superannuation and insurances on the attachment side of things for you, and that's giving you an update of your super balance there.","start":103.30499,"end":112.95,"sentiment":"neutral","sentiment_score":0.1340061323396091},{"text":"So just to sorta have a look, I had a look back last 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which is fantastic, and that definitely goes towards helping with the compounding effect there.","start":133.575,"end":143.87,"sentiment":"positive","sentiment_score":0.7178106524727561},{"text":"Now just sort of clarifying, Hayden, I've got it down here.","start":143.87,"end":146.75,"sentiment":"neutral","sentiment_score":0.07117052342404019},{"text":"You're self employed.","start":146.75,"end":147.71,"sentiment":"neutral","sentiment_score":0.049919530749320984}],"sentiment":"positive","sentiment_score":0.49460409324563726,"channel":0,"num_words":72,"start":125.575005,"end":147.71},{"sentences":[{"text":"Is that right?","start":147.71,"end":148.61,"sentiment":"neutral","sentiment_score":0.04720662782589594}],"sentiment":"neutral","sentiment_score":0.04720662782589594,"channel":0,"num_words":3,"start":147.71,"end":148.61},{"sentences":[{"text":"Yeah.","start":149.135,"end":149.455,"sentiment":"neutral","sentiment_score":0.21096102893352509},{"text":"That's 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this","start":160.445,"end":168.33,"sentiment":"neutral","sentiment_score":0.037454230045633655}],"sentiment":"neutral","sentiment_score":0.07050781029294122,"channel":0,"num_words":53,"start":150.59,"end":168.33},{"sentences":[{"text":"Yes.","start":169.29001,"end":169.69,"sentiment":"neutral","sentiment_score":0.15534314513206482},{"text":"That sounds 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putting into the account go in there as a voluntary contribution.","start":182.95499,"end":188.095,"sentiment":"neutral","sentiment_score":0.12096136260558576},{"text":"So it's essentially just the money goes in from your what we consider after tax money, and then the a 100% of the funds are fully invested into your portfolio.","start":188.39499,"end":199.06,"sentiment":"neutral","sentiment_score":0.14534460914631683},{"text":"Essentially, by claiming notice of intent, you're telling the Superfund that you intend to claim the contributions made as a tax deduction.","start":199.52,"end":206.26001,"sentiment":"neutral","sentiment_score":0.12402701902795922}],"sentiment":"neutral","sentiment_score":0.14134618554364992,"channel":0,"num_words":74,"start":181.435,"end":206.26001},{"sentences":[{"text":"So they will deduct 15% tax out of the contributions put into the account.","start":206.32,"end":210.98499,"sentiment":"neutral","sentiment_score":0.14612714307648794},{"text":"And then when you do your tax return at after the July 1, you'll essentially be able to claim the contributions back as a bit of a tax deduction to help reduce your taxable income there.","start":211.125,"end":221.84499,"sentiment":"neutral","sentiment_score":0.1473317216667864},{"text":"Does that make sense?","start":221.84499,"end":222.78,"sentiment":"neutral","sentiment_score":0.07896633259952068}],"sentiment":"neutral","sentiment_score":0.14195532061987454,"channel":0,"num_words":54,"start":206.32,"end":222.78},{"sentences":[{"text":"Yep.","start":223.6,"end":224.1,"sentiment":"neutral","sentiment_score":0.14576074481010437}],"sentiment":"neutral","sentiment_score":0.14576074481010437,"channel":1,"num_words":1,"start":223.6,"end":224.1},{"sentences":[{"text":"Yeah.","start":224.78,"end":225.28,"sentiment":"neutral","sentiment_score":0.2398458570241928},{"text":"So a nice little $5,000 tax deduction wouldn't go so 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with.","start":452.48,"end":463.795,"sentiment":"neutral","sentiment_score":0.0709081936834587},{"text":"Essentially, Benelon hasn't been able to do that.","start":464.255,"end":466.17502,"sentiment":"neutral","sentiment_score":-0.2963741682469845}],"sentiment":"neutral","sentiment_score":0.0207015809038995,"channel":0,"num_words":71,"start":443.425,"end":466.17502},{"sentences":[{"text":"They have been underperforming pretty significantly.","start":466.17502,"end":468.275,"sentiment":"negative","sentiment_score":-0.5665905475616455},{"text":"So in around about March, we sent out a record of advice for you to notify you that we were making an investment change.","start":468.575,"end":475.375,"sentiment":"neutral","sentiment_score":-0.051412328922500215},{"text":"So we've removed because it was underperforming.","start":475.375,"end":477.91,"sentiment":"neutral","sentiment_score":-0.22978187671729497},{"text":"Don't wanna keep any funds that aren't doing well for you.","start":478.21,"end":480.94998,"sentiment":"neutral","sentiment_score":-0.3324933512644334},{"text":"And we've actually moved the money into the a 200, so the Australian Equities a 200 ETF.","start":481.09,"end":487.03,"sentiment":"neutral","sentiment_score":0.09527582916266777}],"sentiment":"neutral","sentiment_score":-0.1273792320719132,"channel":0,"num_words":65,"start":466.17502,"end":487.03},{"sentences":[{"text":"This investment, which is good, is actually giving you greater diversification.","start":487.65,"end":488.738,"sentiment":"positive","sentiment_score":0.5304723354903135},{"text":"So instead of tracking, you know, the 15 to diversification.","start":488.738,"end":493.265,"sentiment":"neutral","sentiment_score":0.20131997466087342},{"text":"So instead of tracking, you know, the 15 to 20 different investments, you've actually got the top 200 companies on the ASX, so you've got greater diversification.","start":493.405,"end":500.145,"sentiment":"positive","sentiment_score":0.34003196435946004},{"text":"But the a 200 investment is also a cheaper as well.","start":501.085,"end":504.125,"sentiment":"positive","sentiment_score":0.46287746862931684},{"text":"So it's actually saving you a bit in the way of investment fees, which is a positive, and that the compound afford can provide greater growth there.","start":504.125,"end":511.54,"sentiment":"positive","sentiment_score":0.6248292326927185}],"sentiment":"positive","sentiment_score":0.45338720828294754,"channel":0,"num_words":86,"start":487.65,"end":511.54},{"sentences":[{"text":"So I just wanted to make sure that you have that that we did let you know that there have been some changes to your portfolio over the past few months.","start":511.54,"end":518.9,"sentiment":"neutral","sentiment_score":0.2148097878502261},{"text":"We did note there was an underperforming investment.","start":518.9,"end":521.4,"sentiment":"neutral","sentiment_score":-0.011629750020802021},{"text":"We don't want you to be in anything underperforming and wanna make sure your portfolio is continuously growing and working towards your goals, building in your space for that.","start":522.105,"end":530.52496,"sentiment":"neutral","sentiment_score":-0.018084262594066817},{"text":"So we did have that one moved out.","start":530.745,"end":532.825,"sentiment":"neutral","sentiment_score":0.07095500268042088},{"text":"And now, you know, looking at where you were twelve months ago and having 11% return net of fees is a good return for the year.","start":532.825,"end":540.69,"sentiment":"neutral","sentiment_score":0.2412182207290943}],"sentiment":"neutral","sentiment_score":0.12628368204276935,"channel":0,"num_words":102,"start":511.54,"end":540.69},{"sentences":[{"text":"Okay.","start":540.69,"end":541.19,"sentiment":"neutral","sentiment_score":0.1730283498764038}],"sentiment":"neutral","sentiment_score":0.1730283498764038,"channel":0,"num_words":1,"start":540.69,"end":541.19},{"sentences":[{"text":"Yeah.","start":541.77496,"end":542.27496,"sentiment":"neutral","sentiment_score":0.2935251295566559}],"sentiment":"neutral","sentiment_score":0.2935251295566559,"channel":1,"num_words":1,"start":541.77496,"end":542.27496},{"sentences":[{"text":"Fantastic.","start":543.17,"end":543.67,"sentiment":"positive","sentiment_score":0.512877345085144},{"text":"Do you have any questions about your super, the investments, or anything that have gone through so far?","start":544.13,"end":549.17,"sentiment":"neutral","sentiment_score":0.18440168930424583},{"text":"If you do, you're welcome to ask.","start":549.17,"end":550.95,"sentiment":"neutral","sentiment_score":0.09520675987005234}],"sentiment":"neutral","sentiment_score":0.17302134890968984,"channel":0,"num_words":26,"start":543.17,"end":550.95},{"sentences":[{"text":"No.","start":552.59,"end":552.99005,"sentiment":"neutral","sentiment_score":-0.011665759608149529},{"text":"No questions.","start":552.99005,"end":553.65,"sentiment":"neutral","sentiment_score":-0.02373378910124302}],"sentiment":"neutral","sentiment_score":-0.01971111260354519,"channel":1,"num_words":3,"start":552.59,"end":553.65},{"sentences":[{"text":"No.","start":554.36505,"end":554.685,"sentiment":"neutral","sentiment_score":0.05215848237276077},{"text":"Beautiful.","start":554.685,"end":555.185,"sentiment":"positive","sentiment_score":0.3906210958957672},{"text":"All good.","start":555.325,"end":556.065,"sentiment":"positive","sentiment_score":0.37043844163417816},{"text":"That's essentially a breakdown of your super, which is fantastic to see.","start":556.36505,"end":559.825,"sentiment":"positive","sentiment_score":0.45747609933217365},{"text":"With the insurance side of things, now you do have your MetLife policy, and you currently have you're insured for 330,750 of life and also total permanent disability cover.","start":560.685,"end":572.52,"sentiment":"neutral","sentiment_score":0.1710296006038271}],"sentiment":"neutral","sentiment_score":0.2585161793563101,"channel":0,"num_words":45,"start":554.36505,"end":572.52},{"sentences":[{"text":"If in the event of, say, passing away, your life benefit is paid out, but so is your super balance.","start":573.06,"end":578.2,"sentiment":"neutral","sentiment_score":0.08339737131609581},{"text":"Do you remember with your goal what was it you were sort of wanting to have cover if you were to pass away?","start":578.98,"end":583.915,"sentiment":"neutral","sentiment_score":-0.0422207779534485},{"text":"What are you wanting to happen to those funds?","start":583.915,"end":585.935,"sentiment":"neutral","sentiment_score":-0.04924168727464146}],"sentiment":"neutral","sentiment_score":0.004878737460015914,"channel":0,"num_words":52,"start":573.06,"end":585.935},{"sentences":[{"text":"I think it was just transferred to the beneficiary that was underneath","start":588.88,"end":592.89996,"sentiment":"neutral","sentiment_score":-0.022827085107564926}],"sentiment":"neutral","sentiment_score":-0.022827085107564926,"channel":1,"num_words":12,"start":588.88,"end":592.89996},{"sentences":[{"text":"Yep.","start":592.875,"end":593.375,"sentiment":"neutral","sentiment_score":-0.014086711220443249}],"sentiment":"neutral","sentiment_score":-0.014086711220443249,"channel":0,"num_words":1,"start":592.875,"end":593.375},{"sentences":[{"text":"me.","start":592.95996,"end":593.44,"sentiment":"neutral","sentiment_score":-0.02689870074391365},{"text":"I think it might have been my mother, maybe.","start":593.44,"end":595.86,"sentiment":"neutral","sentiment_score":-0.05832752254274157}],"sentiment":"neutral","sentiment_score":-0.05518464036285877,"channel":1,"num_words":10,"start":592.95996,"end":595.86},{"sentences":[{"text":"Yep.","start":596.09,"end":596.59,"sentiment":"neutral","sentiment_score":0.03290056809782982},{"text":"That's okay.","start":596.73004,"end":597.45,"sentiment":"neutral","sentiment_score":0.16267311573028564},{"text":"I'm just also having a quick look at your beneficiary status inside your super fund as well to see.","start":597.45,"end":602.35004,"sentiment":"neutral","sentiment_score":0.11061835092933554},{"text":"Because having a look at your fact find here now I've got it down that you're in a de facto relationship.","start":602.89,"end":607.31,"sentiment":"neutral","sentiment_score":0.0379866335674056},{"text":"Is that still correct, or has that changed?","start":607.45,"end":609.55,"sentiment":"neutral","sentiment_score":-0.0006553397979587317}],"sentiment":"neutral","sentiment_score":0.0637739618381887,"channel":0,"num_words":51,"start":596.09,"end":609.55},{"sentences":[{"text":"Yeah.","start":609.895,"end":610.135,"sentiment":"neutral","sentiment_score":-0.009261042810976504},{"text":"No.","start":610.135,"end":610.455,"sentiment":"neutral","sentiment_score":-0.06603987514972687},{"text":"Still in the same relationship.","start":610.455,"end":611.59503,"sentiment":"neutral","sentiment_score":-0.04930112734436989},{"text":"Yep.","start":612.03,"end":612.53,"sentiment":"neutral","sentiment_score":0.05550553649663925}],"sentiment":"neutral","sentiment_score":-0.033287627273239195,"channel":1,"num_words":8,"start":609.895,"end":612.53},{"sentences":[{"text":"Still yep.","start":612.355,"end":613.01495,"sentiment":"neutral","sentiment_score":0.09402701631188393},{"text":"Beautiful.","start":613.075,"end":613.475,"sentiment":"positive","sentiment_score":0.553187906742096},{"text":"That's okay.","start":613.475,"end":614.295,"sentiment":"positive","sentiment_score":0.38209640979766846},{"text":"And no dependent children at all?","start":614.435,"end":616.375,"sentiment":"neutral","sentiment_score":0.01676908104370038},{"text":"No.","start":618.435,"end":618.755,"sentiment":"neutral","sentiment_score":-0.05245035141706467}],"sentiment":"neutral","sentiment_score":0.12946657448386154,"channel":0,"num_words":12,"start":612.355,"end":618.755},{"sentences":[{"text":"That's absolutely","start":618.755,"end":619.575,"sentiment":"neutral","sentiment_score":-0.01452933344990015}],"sentiment":"neutral","sentiment_score":-0.01452933344990015,"channel":0,"num_words":2,"start":618.755,"end":619.575},{"sentences":[{"text":"No.","start":619.1475,"end":619.6475,"sentiment":"neutral","sentiment_score":-0.026922229677438736}],"sentiment":"neutral","sentiment_score":-0.026922229677438736,"channel":1,"num_words":1,"start":619.1475,"end":619.6475},{"sentences":[{"text":"fine.","start":619.875,"end":620.375,"sentiment":"neutral","sentiment_score":0.07871980220079422},{"text":"So I do have it on here that your beneficiary nomination has been made out a 100% to Madeline.","start":620.83496,"end":627.63,"sentiment":"neutral","sentiment_score":0.2007490082790977},{"text":"Is that right?","start":627.77,"end":628.67004,"sentiment":"neutral","sentiment_score":0.15045552452405295}],"sentiment":"neutral","sentiment_score":0.18888337100329605,"channel":0,"num_words":23,"start":619.875,"end":628.67004},{"sentences":[{"text":"Yeah.","start":629.22504,"end":629.465,"sentiment":"neutral","sentiment_score":0.09973546862602234},{"text":"That's right.","start":629.465,"end":630.28503,"sentiment":"neutral","sentiment_score":0.12727823480963707}],"sentiment":"neutral","sentiment_score":0.11809731274843216,"channel":1,"num_words":3,"start":629.22504,"end":630.28503},{"sentences":[{"text":"Okay.","start":630.65,"end":630.89,"sentiment":"neutral","sentiment_score":0.08364184200763702},{"text":"And so is Madeline your mom?","start":630.89,"end":632.75,"sentiment":"neutral","sentiment_score":0.06260499730706215}],"sentiment":"neutral","sentiment_score":0.06561026083571571,"channel":0,"num_words":7,"start":630.65,"end":632.75},{"sentences":[{"text":"Yep.","start":633.305,"end":633.805,"sentiment":"neutral","sentiment_score":0.05239195749163627}],"sentiment":"neutral","sentiment_score":0.05239195749163627,"channel":1,"num_words":1,"start":633.305,"end":633.805},{"sentences":[{"text":"Okay.","start":634.65,"end":635.13,"sentiment":"neutral","sentiment_score":0.047884080559015274},{"text":"So to kinda go through and to have a look with the beneficiary nomination through Super and for your life insurance, as they do have very specific situations.","start":635.13,"end":643.355,"sentiment":"neutral","sentiment_score":0.05541623204148242},{"text":"Essentially, a beneficiary can only be a spouse, a child, or someone who relies on you financially or lives with you and, again, relies on you financially.","start":643.975,"end":652.55,"sentiment":"neutral","sentiment_score":0.007208651552597682},{"text":"So does does your mom rely on you financially?","start":652.69,"end":655.51,"sentiment":"neutral","sentiment_score":0.0008498539941178428},{"text":"Do you help her pay her bills, or, you know, is she living with you?","start":655.57,"end":660.15,"sentiment":"neutral","sentiment_score":-0.015957429880897205}],"sentiment":"neutral","sentiment_score":0.019530742592178286,"channel":0,"num_words":80,"start":634.65,"end":660.15},{"sentences":[{"text":"No.","start":661.615,"end":661.855,"sentiment":"neutral","sentiment_score":-0.19240878522396088},{"text":"I should I I don't know.","start":661.855,"end":663.475,"sentiment":"neutral","sentiment_score":-0.18829700350761414}],"sentiment":"neutral","sentiment_score":-0.18888440089566366,"channel":1,"num_words":7,"start":661.615,"end":663.475},{"sentences":[{"text":"No.","start":664.065,"end":664.385,"sentiment":"neutral","sentiment_score":-0.1752496361732483},{"text":"That's okay.","start":664.385,"end":665.205,"sentiment":"neutral","sentiment_score":-0.08449364453554153},{"text":"So, technically, in order for her to qualify as a to be named as a beneficiary on your super and your life insurance, she needs to fit one of those categories.","start":665.265,"end":673.525,"sentiment":"neutral","sentiment_score":-0.04595181592289479},{"text":"Unfortunately,","start":674.065,"end":674.565,"sentiment":"neutral","sentiment_score":-0.07645049691200256}],"sentiment":"neutral","sentiment_score":-0.052719820450459205,"channel":0,"num_words":35,"start":664.065,"end":674.565},{"sentences":[{"text":"Yeah.","start":674.27997,"end":674.52,"sentiment":"neutral","sentiment_score":-0.11087802052497864},{"text":"Okay.","start":674.52,"end":675.02,"sentiment":"neutral","sentiment_score":-0.14180809259414673}],"sentiment":"neutral","sentiment_score":-0.12634305655956268,"channel":1,"num_words":2,"start":674.27997,"end":675.02},{"sentences":[{"text":"the way it is structured now, if you were to pass away, touch wood, nothing happens.","start":674.705,"end":678.89996,"sentiment":"neutral","sentiment_score":-0.21753483172506094},{"text":"We don't want it to.","start":678.89996,"end":680.18,"sentiment":"neutral","sentiment_score":-0.23149999976158142},{"text":"But if that was to occur, the beneficiary nomination is in place, and she could then claim.","start":680.18,"end":685.56,"sentiment":"neutral","sentiment_score":-0.09079512909931295},{"text":"However, they would assess that claim, have her prove.","start":685.62,"end":689.48,"sentiment":"neutral","sentiment_score":-0.2268216394715839},{"text":"She'd have to be able to need to prove that she was financially dependent on you, that you had an interpersonal relationship.","start":689.54,"end":695.385,"sentiment":"neutral","sentiment_score":-0.23287144777449695}],"sentiment":"neutral","sentiment_score":-0.19342233488957086,"channel":0,"num_words":69,"start":674.705,"end":695.385},{"sentences":[{"text":"And if she can't","start":696.085,"end":696.965,"sentiment":"neutral","sentiment_score":-0.1447951402515173}],"sentiment":"neutral","sentiment_score":-0.1447951402515173,"channel":0,"num_words":4,"start":696.085,"end":696.965},{"sentences":[{"text":"Yep.","start":696.69,"end":697.19,"sentiment":"neutral","sentiment_score":-0.07791654765605927}],"sentiment":"neutral","sentiment_score":-0.07791654765605927,"channel":1,"num_words":1,"start":696.69,"end":697.19},{"sentences":[{"text":"prove that, then, unfortunately, they make the they say it's null and void, and they just don't pay the claim, which is probably not very fair to your mom.","start":696.965,"end":704.405,"sentiment":"negative","sentiment_score":-0.5325154441184011},{"text":"She's gone through all this work and, know, thought she was able to get the funds and made the claim.","start":704.405,"end":708.97,"sentiment":"neutral","sentiment_score":-0.25585281774401664},{"text":"But then to come back","start":709.02997,"end":709.91,"sentiment":"neutral","sentiment_score":-0.12061923742294312}],"sentiment":"negative","sentiment_score":-0.3919092670634941,"channel":0,"num_words":54,"start":696.965,"end":709.91},{"sentences":[{"text":"Yep.","start":709.785,"end":710.285,"sentiment":"neutral","sentiment_score":-0.13680362701416016}],"sentiment":"neutral","sentiment_score":-0.13680362701416016,"channel":1,"num_words":1,"start":709.785,"end":710.285},{"sentences":[{"text":"and say, I'm sorry.","start":709.91,"end":710.63,"sentiment":"neutral","sentiment_score":-0.1909363977611065},{"text":"You don't actually qualify can be a little bit horrible on her.","start":710.63,"end":714.17,"sentiment":"neutral","sentiment_score":-0.30422039578358334},{"text":"So there is another way to sort of structure it.","start":715.27,"end":717.51,"sentiment":"neutral","sentiment_score":-0.050170591287314895},{"text":"Now do you happen to have a will in place?","start":717.51,"end":719.67,"sentiment":"neutral","sentiment_score":0.01007634038105607},{"text":"Have you ever drawn up a will?","start":719.67,"end":721.37,"sentiment":"neutral","sentiment_score":-0.018831993054066385}],"sentiment":"neutral","sentiment_score":-0.11505015816019717,"channel":0,"num_words":43,"start":709.91,"end":721.37},{"sentences":[{"text":"No.","start":722.09,"end":722.29004,"sentiment":"neutral","sentiment_score":-0.15771183371543884},{"text":"I don't have one.","start":722.29004,"end":723.47003,"sentiment":"neutral","sentiment_score":-0.14267238229513168}],"sentiment":"neutral","sentiment_score":-0.1456802725791931,"channel":1,"num_words":5,"start":722.09,"end":723.47003},{"sentences":[{"text":"No.","start":723.725,"end":723.96497,"sentiment":"neutral","sentiment_score":-0.09383873641490936},{"text":"That's okay.","start":723.96497,"end":724.685,"sentiment":"neutral","sentiment_score":-0.022694903425872326},{"text":"So there is another way to structure the beneficiary nominations so that your mom received the funds.","start":724.685,"end":729.345,"sentiment":"neutral","sentiment_score":0.0752694196999073},{"text":"On the on the beneficiary nomination, we can always pick legal personal representative.","start":729.805,"end":734.545,"sentiment":"neutral","sentiment_score":0.08306923451331946},{"text":"And that essentially means that in the event of you passing away, your super annual life insurance proceeds are paid directly to your estate.","start":735.04,"end":742.1,"sentiment":"neutral","sentiment_score":0.04629538821366926}],"sentiment":"neutral","sentiment_score":0.05844457820057869,"channel":0,"num_words":57,"start":723.725,"end":742.1},{"sentences":[{"text":"And then it is just really important you have a will in place.","start":742.4,"end":745.44,"sentiment":"neutral","sentiment_score":0.09203613606783059},{"text":"And inside that will, you can direct the funds to your mom.","start":745.44,"end":749.115,"sentiment":"neutral","sentiment_score":0.08979668126751979},{"text":"Now a will can be done by a solicitor, which can be a little bit more costly, or you can have it done by, you know, your state trustee.","start":749.435,"end":756.635,"sentiment":"neutral","sentiment_score":0.041511150655047645},{"text":"They do help and organize things a little bit cheaply.","start":756.635,"end":759.21497,"sentiment":"neutral","sentiment_score":0.11002455018460751},{"text":"They can also just be a will kit from the post office, which last time I checked was about $35 a will kit.","start":760.475,"end":766.79004,"sentiment":"neutral","sentiment_score":0.013166563180477722}],"sentiment":"neutral","sentiment_score":0.05610264101247678,"channel":0,"num_words":87,"start":742.4,"end":766.79004},{"sentences":[{"text":"But under the current beneficiary, the way it is nominated currently, she wouldn't be able to claim.","start":767.73004,"end":773.73004,"sentiment":"neutral","sentiment_score":-0.28899160290465636},{"text":"And if she did go through to claim, it would be rejected, which is probably not what you want your mom to go through if anything was to happen to you.","start":773.73004,"end":781.065,"sentiment":"negative","sentiment_score":-0.42169732672552906},{"text":"Did you want me to it is best to update your beneficiary nomination.","start":782.34503,"end":786.285,"sentiment":"neutral","sentiment_score":-0.0271492600440979},{"text":"If you like after the call, I could send you an email with some information on a local solicitor and how to get a will drawn up.","start":786.985,"end":793.545,"sentiment":"neutral","sentiment_score":0.044756428235107},{"text":"Would you like me to help you out with that one?","start":793.545,"end":795.725,"sentiment":"neutral","sentiment_score":0.08057636293497952}],"sentiment":"neutral","sentiment_score":-0.1640772848869815,"channel":0,"num_words":99,"start":767.73004,"end":795.725},{"sentences":[{"text":"Yeah.","start":796.815,"end":797.055,"sentiment":"neutral","sentiment_score":0.10132798552513124},{"text":"That'd be fine.","start":797.055,"end":797.615,"sentiment":"neutral","sentiment_score":0.21290616691112518},{"text":"Email would be 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do you have any credit cards or personal loans or anything else that you need to note down liability wise?","start":1648.12,"end":1653.02,"sentiment":"neutral","sentiment_score":0.08702570625713893}],"sentiment":"neutral","sentiment_score":0.16298207461833955,"channel":0,"num_words":25,"start":1644.36,"end":1653.02},{"sentences":[{"text":"I have an Amex card, but that's attached to my business.","start":1654.305,"end":1657.765,"sentiment":"neutral","sentiment_score":0.002166564999656244},{"text":"So","start":1657.9851,"end":1658.4851,"sentiment":"neutral","sentiment_score":0.00815163366496563}],"sentiment":"neutral","sentiment_score":0.0026653207217653594,"channel":1,"num_words":12,"start":1654.305,"end":1658.4851},{"sentences":[{"text":"Yep.","start":1658.625,"end":1658.945,"sentiment":"neutral","sentiment_score":0.011498740874230862}],"sentiment":"neutral","sentiment_score":0.011498740874230862,"channel":0,"num_words":1,"start":1658.625,"end":1658.945},{"sentences":[{"text":"it's 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mentioned, your income here of about 120,000, and you're just making contributions of about a $100.","start":1665.69,"end":1672.1699,"sentiment":"neutral","sentiment_score":0.11289145289496942},{"text":"It looks like it's on a weekly basis.","start":1672.1699,"end":1673.9299,"sentiment":"neutral","sentiment_score":0.0653915973380208},{"text":"Is that right?","start":1673.9299,"end":1674.75,"sentiment":"neutral","sentiment_score":0.06931902344028155}],"sentiment":"neutral","sentiment_score":0.09741520644588904,"channel":0,"num_words":33,"start":1665.69,"end":1674.75},{"sentences":[{"text":"Yeah.","start":1675.22,"end":1675.46,"sentiment":"neutral","sentiment_score":0.014359808526933191},{"text":"I think that's gonna change to obviously doing super.","start":1675.46,"end":1678.82,"sentiment":"neutral","sentiment_score":0.0031955334642488095},{"text":"Well, I think super is every week now, 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pocket and they need to access super.","start":2165.2651,"end":2172.965,"sentiment":"neutral","sentiment_score":-0.0019609901898850995},{"text":"So, essentially, that's probably the biggest ways to do it.","start":2173.3599,"end":2175.76,"sentiment":"neutral","sentiment_score":0.05202011950314045},{"text":"However, accessing it before 60, there is more tax involved.","start":2175.76,"end":2179.6199,"sentiment":"neutral","sentiment_score":-0.06582068586722016},{"text":"So if you take out some money, they also take out a bit of extra to pay for taxation, and","start":2179.68,"end":2185.04,"sentiment":"neutral","sentiment_score":-0.07376015353947878}],"sentiment":"neutral","sentiment_score":-0.01996348110199171,"channel":0,"num_words":76,"start":2163.425,"end":2185.04},{"sentences":[{"text":"Yeah.","start":2185.03,"end":2185.53,"sentiment":"neutral","sentiment_score":-0.03801745921373367}],"sentiment":"neutral","sentiment_score":-0.03801745921373367,"channel":1,"num_words":1,"start":2185.03,"end":2185.53},{"sentences":[{"text":"it could cost you a lot more.","start":2185.04,"end":2186.56,"sentiment":"neutral","sentiment_score":-0.10851361176797322},{"text":"So we try to not have to unless you really need to.","start":2186.56,"end":2189.855,"sentiment":"neutral","sentiment_score":-0.007828604119519392},{"text":"But if the option's there and you do need it, let us know.","start":2189.855,"end":2192.975,"sentiment":"neutral","sentiment_score":0.06326401119048779},{"text":"We will assist you in that area.","start":2192.975,"end":2194.7551,"sentiment":"neutral","sentiment_score":0.1256039227758135},{"text":"Okay?","start":2194.815,"end":2195.315,"sentiment":"neutral","sentiment_score":0.09246787428855896}],"sentiment":"neutral","sentiment_score":0.02351472368463874,"channel":0,"num_words":40,"start":2185.04,"end":2195.315},{"sentences":[{"text":"Yep.","start":2195.385,"end":2195.885,"sentiment":"neutral","sentiment_score":0.16852138936519623},{"text":"That's good.","start":2196.105,"end":2196.925,"sentiment":"positive","sentiment_score":0.6408761441707611}],"sentiment":"positive","sentiment_score":0.4834245592355728,"channel":1,"num_words":3,"start":2195.385,"end":2196.925},{"sentences":[{"text":"Beautiful.","start":2197.375,"end":2197.875,"sentiment":"positive","sentiment_score":0.7560489177703857},{"text":"Is there anything else that I know I've touched on a lot, and you're probably ready to go home, put your feet up for the afternoon.","start":2198.335,"end":2204.08,"sentiment":"neutral","sentiment_score":0.2456850059903585},{"text":"But is there anything else that you maybe needed from me?","start":2204.08,"end":2206.48,"sentiment":"neutral","sentiment_score":0.055828562514348465},{"text":"Have any other questions around?","start":2206.48,"end":2208.18,"sentiment":"neutral","sentiment_score":0.027949782833456994},{"text":"Or","start":2208.24,"end":2208.56,"sentiment":"neutral","sentiment_score":0.018532434478402134}],"sentiment":"neutral","sentiment_score":0.17991487749598242,"channel":0,"num_words":44,"start":2197.375,"end":2208.56},{"sentences":[{"text":"No.","start":2210.0,"end":2210.1602,"sentiment":"neutral","sentiment_score":-0.016408927738666534},{"text":"I think everything's been covered nicely.","start":2210.1602,"end":2212.34,"sentiment":"neutral","sentiment_score":0.21025524785121283}],"sentiment":"neutral","sentiment_score":0.1778746513383729,"channel":1,"num_words":7,"start":2210.0,"end":2212.34},{"sentences":[{"text":"Yep.","start":2211.92,"end":2212.42,"sentiment":"neutral","sentiment_score":0.19006532430648804}],"sentiment":"neutral","sentiment_score":0.19006532430648804,"channel":0,"num_words":1,"start":2211.92,"end":2212.42},{"sentences":[{"text":"Yeah.","start":2212.4001,"end":2212.9001,"sentiment":"positive","sentiment_score":0.3569067716598511}],"sentiment":"positive","sentiment_score":0.3569067716598511,"channel":1,"num_words":1,"start":2212.4001,"end":2212.9001},{"sentences":[{"text":"Beautiful.","start":2212.72,"end":2213.175,"sentiment":"positive","sentiment_score":0.7169356942176819},{"text":"Beautiful.","start":2213.2551,"end":2213.575,"sentiment":"positive","sentiment_score":0.7568520307540894},{"text":"Fantastic.","start":2213.575,"end":2214.075,"sentiment":"positive","sentiment_score":0.7484445571899414},{"text":"Well, if you find you have any questions, let me know.","start":2214.135,"end":2216.055,"sentiment":"neutral","sentiment_score":0.1974903873421929},{"text":"We'll get that notice of intent claimed for you for the 5,300.","start":2216.055,"end":2219.7551,"sentiment":"neutral","sentiment_score":0.21567174916466078}],"sentiment":"neutral","sentiment_score":0.2685649051116063,"channel":0,"num_words":26,"start":2212.72,"end":2219.7551},{"sentences":[{"text":"That will happen, as I said, automatically in your a on your myGov account, but we'll also email you the acknowledgment once it has been acknowledged just so you have that as a confirmation.","start":2220.135,"end":2229.17,"sentiment":"neutral","sentiment_score":0.21848363034865437},{"text":"Okay?","start":2229.47,"end":2229.97,"sentiment":"neutral","sentiment_score":0.14530876278877258}],"sentiment":"neutral","sentiment_score":0.21639291984694345,"channel":0,"num_words":35,"start":2220.135,"end":2229.97},{"sentences":[{"text":"Yep.","start":2231.01,"end":2231.25,"sentiment":"neutral","sentiment_score":0.2299320548772812},{"text":"Sounds good.","start":2231.25,"end":2232.15,"sentiment":"positive","sentiment_score":0.6395262777805328}],"sentiment":"positive","sentiment_score":0.5029948701461157,"channel":1,"num_words":3,"start":2231.01,"end":2232.15},{"sentences":[{"text":"Beautiful.","start":2232.75,"end":2233.25,"sentiment":"positive","sentiment_score":0.7228941917419434},{"text":"Well, thank you so much.","start":2233.31,"end":2234.27,"sentiment":"positive","sentiment_score":0.7339496731758117},{"text":"Feel free to review the and the review pack.","start":2234.27,"end":2236.27,"sentiment":"positive","sentiment_score":0.36011041038566166},{"text":"And once you're happy to, you know, sign and return that back, I'll get you to if you have any questions, let me know.","start":2236.27,"end":2242.0452,"sentiment":"neutral","sentiment_score":0.27153682553519803},{"text":"If you find at any point through the year you do need any extra assistance, advice, or you just have some questions for me, just give me a call.","start":2242.105,"end":2249.0652,"sentiment":"neutral","sentiment_score":0.12290907175890331}],"sentiment":"neutral","sentiment_score":0.26051298742566037,"channel":0,"num_words":68,"start":2232.75,"end":2249.0652},{"sentences":[{"text":"More than happy to take any calls.","start":2249.0652,"end":2250.905,"sentiment":"positive","sentiment_score":0.515342367546899},{"text":"You're not limited to once a year or once every six months.","start":2250.905,"end":2253.51,"sentiment":"neutral","sentiment_score":0.1785957763592402},{"text":"We just try not to annoy you too often.","start":2253.83,"end":2255.67,"sentiment":"neutral","sentiment_score":0.19769741098086038},{"text":"That's all.","start":2255.67,"end":2256.23,"sentiment":"neutral","sentiment_score":0.1258777603507042},{"text":"Okay?","start":2256.23,"end":2256.73,"sentiment":"neutral","sentiment_score":0.11941391229629517}],"sentiment":"neutral","sentiment_score":0.2548707103536975,"channel":0,"num_words":31,"start":2249.0652,"end":2256.73},{"sentences":[{"text":"Yep.","start":2256.9548,"end":2257.435,"sentiment":"neutral","sentiment_score":0.17414747178554535},{"text":"Okay.","start":2257.435,"end":2257.935,"sentiment":"neutral","sentiment_score":0.203915536403656},{"text":"Sounds","start":2258.58,"end":2259.08,"sentiment":"positive","sentiment_score":0.6201616525650024}],"sentiment":"neutral","sentiment_score":0.3327415535847346,"channel":1,"num_words":3,"start":2256.9548,"end":2259.08},{"sentences":[{"text":"Be beautiful, Hayden.","start":2259.27,"end":2260.6301,"sentiment":"positive","sentiment_score":0.7783154646555582},{"text":"I'll let you go.","start":2260.6301,"end":2261.43,"sentiment":"positive","sentiment_score":0.7480139434337616},{"text":"I hope you have a good restful afternoon.","start":2261.43,"end":2263.37,"sentiment":"positive","sentiment_score":0.7346334010362625}],"sentiment":"positive","sentiment_score":0.7469379583994548,"channel":0,"num_words":15,"start":2259.27,"end":2263.37},{"sentences":[{"text":"good.","start":2263.86,"end":2264.26,"sentiment":"positive","sentiment_score":0.5929208993911743},{"text":"You too.","start":2264.26,"end":2264.9202,"sentiment":"positive","sentiment_score":0.48711246252059937}],"sentiment":"positive","sentiment_score":0.5223819414774576,"channel":1,"num_words":3,"start":2263.86,"end":2264.9202},{"sentences":[{"text":"Thank you for taking","start":2265.795,"end":2266.755,"sentiment":"positive","sentiment_score":0.7279108613729477}],"sentiment":"positive","sentiment_score":0.7279108613729477,"channel":0,"num_words":4,"start":2265.795,"end":2266.755},{"sentences":[{"text":"Alright.","start":2266.58,"end":2267.08,"sentiment":"positive","sentiment_score":0.5048396587371826}],"sentiment":"positive","sentiment_score":0.5048396587371826,"channel":1,"num_words":1,"start":2266.58,"end":2267.08},{"sentences":[{"text":"my call.","start":2266.755,"end":2267.315,"sentiment":"positive","sentiment_score":0.6328550577163696},{"text":"I really appreciate it.","start":2267.315,"end":2268.775,"sentiment":"positive","sentiment_score":0.7939644604921341}],"sentiment":"positive","sentiment_score":0.7402613262335459,"channel":0,"num_words":6,"start":2266.755,"end":2268.775},{"sentences":[{"text":"You're alright.","start":2269.3801,"end":2270.12,"sentiment":"positive","sentiment_score":0.5710763335227966},{"text":"See you later.","start":2270.74,"end":2271.48,"sentiment":"positive","sentiment_score":0.40941163897514343}],"sentiment":"positive","sentiment_score":0.47407751679420473,"channel":1,"num_words":5,"start":2269.3801,"end":2271.48},{"sentences":[{"text":"Talk to you","start":2271.475,"end":2271.955,"sentiment":"neutral","sentiment_score":0.23554484049479166}],"sentiment":"neutral","sentiment_score":0.23554484049479166,"channel":0,"num_words":3,"start":2271.475,"end":2271.955},{"sentences":[{"text":"Bye.","start":2271.86,"end":2272.36,"sentiment":"neutral","sentiment_score":0.19872212409973145}],"sentiment":"neutral","sentiment_score":0.19872212409973145,"channel":1,"num_words":1,"start":2271.86,"end":2272.36},{"sentences":[{"text":"soon.","start":2271.955,"end":2272.275,"sentiment":"neutral","sentiment_score":0.131210058927536},{"text":"See you later.","start":2272.275,"end":2272.9949,"sentiment":"neutral","sentiment_score":0.16730745633443198}],"sentiment":"neutral","sentiment_score":0.15828310698270798,"channel":0,"num_words":4,"start":2271.955,"end":2272.9949},{"sentences":[{"text":"Talk","start":2272.82,"end":2273.06,"sentiment":"neutral","sentiment_score":0.07432052493095398}],"sentiment":"neutral","sentiment_score":0.07432052493095398,"channel":1,"num_words":1,"start":2272.82,"end":2273.06},{"sentences":[{"text":"Bye.","start":2272.9949,"end":2273.4949,"sentiment":"neutral","sentiment_score":0.12839727103710177}],"sentiment":"neutral","sentiment_score":0.12839727103710177,"channel":0,"num_words":1,"start":2272.9949,"end":2273.4949},{"sentences":[{"text":"to you.","start":2273.06,"end":2273.4602,"sentiment":"neutral","sentiment_score":0.13512810319662094},{"text":"Bye.","start":2273.4602,"end":2273.9602,"sentiment":"neutral","sentiment_score":-0.1270601451396942}],"sentiment":"neutral","sentiment_score":0.04773202041784922,"channel":1,"num_words":3,"start":2273.06,"end":2273.9602}]},"summary":{"result":"success","short":" Hayden's annual review is scheduled and annual review documents are sent via email. The customer's contributions will be voluntary and the money will go into their account. The speaker explains the benefits of insurance coverage and provides a breakdown of their super balance. The agent discusses the beneficiary status of the customer's life insurance and explains the process of updating their beneficiary nomination. The agent emphasizes the importance of building a property portfolio before making any changes and offers guidance on accessing the customer's super. The agent also discusses the customer's property value and provides information on the value of various items such as a loan, credit card, and collections. The agent emphasizes the importance of staying on board for another year and offers to check in with the customer."},"intents":{"segments":[{"text":"Hayden, we do normally send through some annual review documents to you via email. Are you able to access your emails at the moment?","start_word":77,"end_word":100,"intents":[{"intent":"Obtain documents","confidence_score":0.007968658},{"intent":"Access emails","confidence_score":0.2306571}]},{"text":"Hayden, we do normally send through some annual review documents to you via email. Are you able to access your emails at the moment? If you're not, that's absolutely fine. Yeah.","start_word":77,"end_word":107,"intents":[{"intent":"Request annual review documents","confidence_score":0.0069313315}]},{"text":"Now as we are just going through your annual review and having a bit of a chat and an update of things, is there anything specific question wise you had for us or anything you wanted me to sort of touch base on specifically today for you? No. Nothing. Nothing really.","start_word":157,"end_word":207,"intents":[{"intent":"Discuss questions","confidence_score":0.35191143}]},{"text":"Now when you open the email, it essentially does have a section where you can sign. That is the ongoing service agreement there for you. So, essentially, after the call, if you are happy to stay on board as a client for the next twelve months, we'd be to sign and return that one back there for us.","start_word":257,"end_word":314,"intents":[{"intent":"Return service agreement","confidence_score":0.0854894}]},{"text":"is sort of what we're focusing on at the moment. So, essentially, you'll see the summary of superannuation and insurances on the attachment side of things for you, and that's giving you an update of your super balance there.","start_word":318,"end_word":356,"intents":[{"intent":"Update super balance","confidence_score":0.73836553}]},{"text":"Did you want to claim a notice of intent against those as to claim the contributions as a bit of a tax deduction on your tax return this Yes.","start_word":498,"end_word":526,"intents":[{"intent":"Clarify deduction policy","confidence_score":0.00938509}]},{"text":"We can submit that straight on your behalf.","start_word":745,"end_word":752,"intents":[{"intent":"Submit contribution","confidence_score":0.047161046}]},{"text":"Are you planning on making another $100 contribution before the end of tomorrow, or is that basically what's in there? Is it for this financial year? Yeah.","start_word":753,"end_word":779,"intents":[{"intent":"Discuss contribution","confidence_score":0.29140618}]},{"text":"I could possibly split it up, couldn't I, over No. or You is actually it can't. Yeah. You yeah. have Okay. to claim it. You can only Within claim that it year. for the financial year. Yeah. Yeah. Correct. Yeah. But you're putting that money in next year as well, and you could always increase your contributions next year if you wanted to as well.","start_word":833,"end_word":897,"intents":[{"intent":"Divide contribution","confidence_score":0.032003507}]},{"text":"This side of things, we'll send you an acknowledgment, which shows you that you've claimed the 5,300 under the notice of intent.","start_word":951,"end_word":972,"intents":[{"intent":"Send acknowledgement","confidence_score":0.18165208}]},{"text":"Now I've given you your balance, which has been fantastic to see. To kinda give you an idea, you also have on that email there a performance with internal rate of return.","start_word":1143,"end_word":1174,"intents":[{"intent":"Provide information","confidence_score":0.023000754}]},{"text":"To kinda give you an idea, you also have on that email there a performance with internal rate of return. So it's actually called the hub 24 performance report. If you were to open up this one and have a look at the second page there, it actually shows that the return you've saved received net of fees in your super fund is 11.4% this this for the last twelve months.","start_word":1155,"end_word":1225,"intents":[{"intent":"Provide performance report","confidence_score":0.057015263}]},{"text":"This was a bit of an investment change we were making in your super fund.","start_word":1330,"end_word":1344,"intents":[{"intent":"Discuss investment decision","confidence_score":0.0015876727}]},{"text":"This investment, which is good, is actually giving you greater diversification. So instead of tracking, you know, the 15 to diversification. So instead of tracking, you know, the 15 to 20 different investments, you've actually got the top 200 companies on the ASX, so you've got greater diversification. But the a 200 investment is also a cheaper as well.","start_word":1515,"end_word":1573,"intents":[{"intent":"Achieve higher investments","confidence_score":2.7198285e-8}]},{"text":"We did note there was an underperforming investment. We don't want you to be in anything underperforming and wanna make sure your portfolio is continuously growing and working towards your goals, building in your space for that. So we did have that one moved out. And now, you know, looking at where you were twelve months ago and having 11% return net of fees is a good return for the year. Okay.","start_word":1632,"end_word":1703,"intents":[{"intent":"Explain portfolio growth","confidence_score":0.0070861606}]},{"text":"Do you have any questions about your super, the investments, or anything that have gone through so far?","start_word":1706,"end_word":1723,"intents":[{"intent":"Provide information about super","confidence_score":0.00882518}]},{"text":"I'm just also having a quick look at your beneficiary status inside your super fund as well to see. Because having a look at your fact find here now I've got it down that you're in a de facto relationship. Is that still correct, or has that changed? Yeah.","start_word":1857,"end_word":1905,"intents":[{"intent":"Review fact find","confidence_score":0.04268311},{"intent":"Confirm status","confidence_score":0.00738129}]},{"text":"And so is Madeline your mom? Yep.","start_word":1955,"end_word":1961,"intents":[{"intent":"Confirm identity","confidence_score":0.32118994}]},{"text":"So does does your mom rely on you financially? Do you help her pay her bills, or, you know, is she living with you? No.","start_word":2018,"end_word":2042,"intents":[{"intent":"Inquire about parents' financial support","confidence_score":0.0000028179031}]},{"text":"So, technically, in order for her to qualify as a to be named as a beneficiary on your super and your life insurance, she needs to fit one of those categories. Unfortunately, Yeah.","start_word":2052,"end_word":2084,"intents":[{"intent":"Qualify as a beneficiary","confidence_score":0.0074883}]},{"text":"She'd have to be able to need to prove that she was financially dependent on you, that you had an interpersonal relationship.","start_word":2133,"end_word":2154,"intents":[{"intent":"Show proof of financial dependence","confidence_score":0.000041572952}]},{"text":"So there is another way to structure the beneficiary nominations so that your mom received the funds.","start_word":2266,"end_word":2282,"intents":[{"intent":"Structure beneficiary nominations","confidence_score":0.11970005}]},{"text":"They do help and organize things a little bit cheaply.","start_word":2374,"end_word":2383,"intents":[{"intent":"Organize funds","confidence_score":0.013624478}]},{"text":"They can also just be a will kit from the post office, which last time I checked was about $35 a will kit.","start_word":2384,"end_word":2406,"intents":[{"intent":"Get will kit","confidence_score":0.008467899}]},{"text":"Did you want me to it is best to update your beneficiary nomination.","start_word":2455,"end_word":2467,"intents":[{"intent":"Update beneficiary nomination","confidence_score":0.44931734}]},{"text":"If you like after the call, I could send you an email with some information on a local solicitor and how to get a will drawn up. Would you like me to help you out with that one? Yeah.","start_word":2468,"end_word":2506,"intents":[{"intent":"Send email","confidence_score":0.040958934}]},{"text":"Would you like me to help you out with that one?","start_word":2495,"end_word":2505,"intents":[{"intent":"Help with will","confidence_score":0.16813067}]},{"text":"If I can describe your partner's details, if you like, I can have my team we can prefill the form for you, send it out. That way, you just have to have it signed and witnessed. Is that okay? Yeah.","start_word":2692,"end_word":2731,"intents":[{"intent":"Request partner details and confirmation","confidence_score":0.000014549627}]},{"text":"You're happy for me to take care of that. But, look, you're busy, so we'll take care of the hard work in filling out this form. And then we can either email it or post it to you, and we can have that nomination updated nice and easily. That way it reflects your wishes. And that way your family don't have to in the event something was to happen, don't have a stressful time claiming. Yeah.","start_word":2894,"end_word":2969,"intents":[{"intent":"Clarify form","confidence_score":0.12532313}]},{"text":"Did you want us to email or post or both?","start_word":2974,"end_word":2983,"intents":[{"intent":"Send document or email","confidence_score":0.0000044401118}]},{"text":"Now with the life amount that you are covered for there, as I kinda mentioned, the sum insured, 330,750. Are you happy with the level of cover you have, or did you wanna look at maybe increasing or altering that level of cover? No.","start_word":3086,"end_word":3129,"intents":[{"intent":"Determine coverage level","confidence_score":0.03428601}]},{"text":"Now Is with that so t that's p an annual yes. fee, is it?","start_word":3137,"end_word":3150,"intents":[{"intent":"Calculate fee amount","confidence_score":0.00019664015}]},{"text":"Now Is with that so t that's p an annual yes. fee, is it? So sorry for that that life insurance. You're absolutely fine. So, yeah, you do pay for the out of your super, and you pay for it on a yearly basis. So the total for your life, PPD, and income protection you paid for recently is a $1,782.89. Yeah.","start_word":3137,"end_word":3198,"intents":[{"intent":"Determine payment amount","confidence_score":0.007826471}]},{"text":"So TPD is total permanent total permanent disablement. It essentially pays out either a lump sum benefit or an income stream in the event that you're disabled and not able to go back to work again.","start_word":3278,"end_word":3313,"intents":[{"intent":"Clarify benefits","confidence_score":0.0027145834}]},{"text":"So if you were on an income protection claim, just like your income, you are taxed on the amount that you receive. So say you've received about 2,800 from a monthly benefit sort of give or take net. Would that benefit amount cover you, or do you think you might need to increase that?","start_word":3578,"end_word":3631,"intents":[{"intent":"Check claim status","confidence_score":0.0037963241}]},{"text":"They'll assess essentially when you go back to work and whether because you are paid in arrears, as long as you've met that thirty day waiting period. you're If in that next thirty days you happen to go back to work, they'll just assess whether you were eligible for anything based on everything that was submitted, and you might get a week or two or one month payment there for you as well.","start_word":4033,"end_word":4105,"intents":[{"intent":"Assess eligibility","confidence_score":0.25158265},{"intent":"Assess eligibility","confidence_score":0.54500806},{"intent":"Assess eligibility","confidence_score":0.15124936}]},{"text":"So there is a chance you could get a payment. It just all comes down to what happens, what the illness of injury is, how quickly we get everything in and get the claim started, but also how long you're off work for and what what happens long term. Yeah.","start_word":4106,"end_word":4155,"intents":[{"intent":"Refund claim","confidence_score":0.00024235362}]},{"text":"You've also got an age 65 benefit period there, which means that if anything did happen, you can be on a claim up to the age of 65. Normally, with these sort of claims, if you are on an income protection claim long term, say, more than, you know, five or ten years, they often then do a bit of a big payout, so you're not getting a monthly benefit for till age 65.","start_word":4163,"end_word":4236,"intents":[{"intent":"Provide benefit period information","confidence_score":0.009152935}]},{"text":"Like, the insurances, we pay for all the insurances we have to cover us. If in the event something was to happen, it might only be a one or 2% chance it's actually claiming. And the biggest risk we have is that we hold the insurances. We keep paying the premiums, and we never actually claim on them. They just expire or we cancel them later down the track.","start_word":4369,"end_word":4437,"intents":[{"intent":"Clarify policy","confidence_score":0.0024526978}]},{"text":"Now you don't happen to have any insurances outside of super, like, trauma. Did you want me to talk you through what trauma is, how that works? Are you happy just for the three types of cover you have?","start_word":4455,"end_word":4493,"intents":[{"intent":"Discuss coverage","confidence_score":0.022196788}]},{"text":"Now just to sort of update all your assets here as well, I've got your main primary residence down there. You had an asset value last time of about 1,200,000. What sort of value would you put on the property now, do you think? The property?","start_word":4646,"end_word":4691,"intents":[{"intent":"Update assets","confidence_score":0.08269783}]},{"text":"What do you estimate your contents or value might be if your content? Yeah.","start_word":5079,"end_word":5092,"intents":[{"intent":"Evaluate contents value","confidence_score":0.049205974}]},{"text":"And do you have any credit cards or personal loans or anything else that you need to note down liability wise?","start_word":5109,"end_word":5129,"intents":[{"intent":"Identify credit card and personal loans","confidence_score":0.017599402},{"intent":"Determine liability","confidence_score":0.001046023}]},{"text":"I have an Amex card, but that's attached to my business. So Yep.","start_word":5130,"end_word":5142,"intents":[{"intent":"Clarify payment arrangement","confidence_score":0.0013180127}]},{"text":"And I've got your as you mentioned, your income here of about 120,000, and you're just making contributions of about a $100. It looks like it's on a weekly basis. Is that right? Yeah.","start_word":5162,"end_word":5195,"intents":[{"intent":"Identify monthly payments","confidence_score":0.00008093552}]},{"text":"now So I've fixed it's all it to a company Gotcha. structure. So now I pay myself Yep. a wage and I pay myself super. So Okay.","start_word":5254,"end_word":5280,"intents":[{"intent":"Confirm payment structure","confidence_score":0.012390517}]},{"text":"And are you wanting to make additional contributions over and above that, like, say, you know, your $100 per week, say, salary sacrifice or non concessional, or you're just happy to see what what the, you know, SDC contributions do with you now being a company? Yeah.","start_word":5343,"end_word":5389,"intents":[{"intent":"Inquire about additional contributions","confidence_score":0.019572435}]},{"text":"gonna obviously Yep. have a value of, like, a $150. It's probably gonna cost the build, but as a value of, like, over 300,000, it's Yep. already been, like, kind of evaluating that. Yeah. Beautiful.","start_word":5547,"end_word":5581,"intents":[{"intent":"Evaluate project feasibility","confidence_score":0.008142996}]},{"text":"And do you have any other goals that you're looking to hopefully achieve over the next one to two years, or is it more just building on this property dream and building your property portfolio up? Yeah.","start_word":5835,"end_word":5871,"intents":[{"intent":"Evaluate property portfolio goals","confidence_score":0.065386064}]},{"text":"Did you want me to maybe check your super in about six months?","start_word":6134,"end_word":6146,"intents":[{"intent":"Check super","confidence_score":0.3681569}]},{"text":"could always just decide then whether you need a a catch up if the market is down, if we haven't seen some great returns, maybe give you a call, and we reevaluate your portfolio and look at advising forward. If everything is going well, did you want me just to hold up until the twelve month mark? What would is that be okay with you, or did you Yeah. want That something sounds different? that sounds perfect. Yeah.","start_word":6189,"end_word":6266,"intents":[{"intent":"Offer analysis","confidence_score":0.000027419033}]},{"text":"What would is that be okay with you, or did you Yeah.","start_word":6246,"end_word":6257,"intents":[{"intent":"Determine agreement agreement","confidence_score":0.00032186348}]},{"text":"You are on a fee of 1.1 percent. Essentially, our fee structure next year will change, but we're gonna keep you on this for the next twelve months.","start_word":6314,"end_word":6341,"intents":[{"intent":"Confirm fee structure","confidence_score":0.034523837}]},{"text":"Is there any way of accessing Yep. your super even before the age of 60?","start_word":6818,"end_word":6832,"intents":[{"intent":"Access super","confidence_score":0.9111981}]},{"text":"Is there any way of accessing Yep. your super even before the age of 60? Is is there a way you can do that?","start_word":6818,"end_word":6841,"intents":[{"intent":"Access yep super","confidence_score":0.78759897}]},{"text":"Is there any way of accessing Yep. your super even before the age of 60? Is is there a way you can do that? There is a way.","start_word":6818,"end_word":6845,"intents":[{"intent":"Assist with accessing super","confidence_score":0.80099446}]},{"text":"However, it's not preferable. Essentially, you have to meet hardship provisions, or if you're wanting to you know, you're a first home buyer, you can access it that way. Yeah.","start_word":6846,"end_word":6875,"intents":[{"intent":"Meet hardship provisions","confidence_score":0.73253965}]},{"text":"Is there anything else that I know I've touched on a lot, and you're probably ready to go home, put your feet up for the afternoon. But is there anything else that you maybe needed from me? Have any other questions around?","start_word":7006,"end_word":7047,"intents":[{"intent":"Assist with future inquiries","confidence_score":0.000031096588},{"intent":"Answer questions","confidence_score":0.006097993}]}]},"sentiments":{"segments":[{"text":"Hi.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.2098031640052795},{"text":"Good afternoon. This is Dana.","start_word":1,"end_word":5,"sentiment":"positive","sentiment_score":0.3484819531440735},{"text":"How are you? Hi. Yeah. I just missed your call. Yeah.","start_word":6,"end_word":16,"sentiment":"neutral","sentiment_score":0.13269639015197754},{"text":"Thanks so much for calling back, Hayden. I had you booked in to go through your annual review today. Is now still a good time there for you?","start_word":17,"end_word":44,"sentiment":"positive","sentiment_score":0.47058552503585815},{"text":"Yeah. Yeah. That's fine. Yeah. No worries. How's your day been so far? Yeah. Yeah.","start_word":45,"end_word":59,"sentiment":"neutral","sentiment_score":0.1965094357728958},{"text":"Pretty good.","start_word":60,"end_word":61,"sentiment":"positive","sentiment_score":0.3358287811279297},{"text":"Pretty busy. Yeah. But yeah.","start_word":62,"end_word":66,"sentiment":"neutral","sentiment_score":0.18343843519687653},{"text":"This Just is finished good.","start_word":67,"end_word":71,"sentiment":"positive","sentiment_score":0.33873599767684937},{"text":"work. Yeah. Oh, understandable. Yeah. Hayden, we do normally send through some annual review documents to you via email. Are you able to access your emails at the moment? If you're not, that's absolutely fine. Yeah. Can I assist it? Yep.","start_word":72,"end_word":112,"sentiment":"neutral","sentiment_score":0.056481342762708664},{"text":"Beautiful.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.408024787902832},{"text":"So what I'm gonna do, I'm gonna send some documents through to you there. You're welcome to open that up and have a bit of a look at those as we are running through them. Yeah. Okay. Not an issue at all.","start_word":114,"end_word":155,"sentiment":"neutral","sentiment_score":0.23705561459064484},{"text":"Beautiful.","start_word":156,"end_word":156,"sentiment":"positive","sentiment_score":0.5320033431053162},{"text":"Now as we are just going through your annual review and having a bit of a chat and an update of things, is there anything specific question wise you had for us or anything you wanted me to sort of touch base on specifically today for you? No. Nothing. Nothing really. No. No. That's okay. Not a problem at all. Now hopefully that email pops through to you fairly quickly there. It should just come through either myself at Dana Ophi Financial or say on there as well. Yeah. Just park for the yeah. Just film. Yeah.","start_word":157,"end_word":253,"sentiment":"neutral","sentiment_score":0.13091900944709778},{"text":"Beautiful. All good.","start_word":254,"end_word":256,"sentiment":"positive","sentiment_score":0.3913436830043793},{"text":"Now when you open the email, it essentially does have a section where you can sign. That is the ongoing service agreement there for you. So, essentially, after the call, if you are happy to stay on board as a client for the next twelve months, we'd be to sign and return that one back there for us. The attachments Yep. is sort of what we're focusing on at the moment. So, essentially, you'll see the summary of superannuation and insurances on the attachment side of things for you, and that's giving you an update of your super balance there. So just to sorta have a look, I had a look back last year. Your annual review sorry. Your balance this time last year was about 40,220 and 90<unk> there, and your balance as of today is 26. So just a couple of days ago, you're up to 50,477 and 74<unk> there.","start_word":257,"end_word":410,"sentiment":"neutral","sentiment_score":0.12575845875136263},{"text":"So you have had a good increase in your super balance. And I can see that you are making those regular contributions of a $100 into your super as well, which is fantastic, and that definitely goes towards helping with the compounding effect there.","start_word":411,"end_word":454,"sentiment":"positive","sentiment_score":0.7219328284263611},{"text":"Now just sort of clarifying, Hayden, I've got it down here. You're self employed. Is that right? Yeah.","start_word":455,"end_word":472,"sentiment":"neutral","sentiment_score":0.06771757453680038},{"text":"That's good.","start_word":473,"end_word":474,"sentiment":"positive","sentiment_score":0.5343716740608215},{"text":"Yeah.","start_word":475,"end_word":475,"sentiment":"neutral","sentiment_score":0.3293231129646301},{"text":"All good.","start_word":476,"end_word":477,"sentiment":"positive","sentiment_score":0.47704753279685974},{"text":"Now those contributions that you are putting into the account, it looks like you have made 5,300 of those as nonconcessional contributions. Did you want to claim a notice of intent against those as to claim the contributions as a bit of a tax deduction on your tax return this Yes.","start_word":478,"end_word":528,"sentiment":"neutral","sentiment_score":0.0509774312376976},{"text":"That sounds good.","start_word":529,"end_word":531,"sentiment":"positive","sentiment_score":0.43607085943222046},{"text":"Yeah. year? Yeah. No. Not a problem at all. Do you understand how that works, or do you have any questions in relation to claiming notice of intent? Or Yeah. How does it work? How does yeah. it work?","start_word":532,"end_word":570,"sentiment":"neutral","sentiment_score":0.06292250752449036},{"text":"All good.","start_word":571,"end_word":572,"sentiment":"positive","sentiment_score":0.3680105209350586},{"text":"Not a worry. So, essentially, the contributions you are putting into the account go in there as a voluntary contribution. So it's essentially just the money goes in from your what we consider after tax money, and then the a 100% of the funds are fully invested into your portfolio. Essentially, by claiming notice of intent, you're telling the Superfund that you intend to claim the contributions made as a tax deduction. So they will deduct 15% tax out of the contributions put into the account. And then when you do your tax return at after the July 1, you'll essentially be able to claim the contributions back as a bit of a tax deduction to help reduce your taxable income there. Does that make sense? Yep. Yeah.","start_word":573,"end_word":700,"sentiment":"neutral","sentiment_score":0.1369905322790146},{"text":"So a nice little $5,000 tax deduction wouldn't go so bad.","start_word":701,"end_word":711,"sentiment":"positive","sentiment_score":0.35715603828430176},{"text":"No.","start_word":712,"end_word":712,"sentiment":"neutral","sentiment_score":0.10097041726112366},{"text":"That sounds good. All good.","start_word":713,"end_word":717,"sentiment":"positive","sentiment_score":0.4220688045024872},{"text":"Well, what I'll do is I'll get the team to do up the notice of intent for you. Now did you we actually don't need you to sign anything. We can submit that straight on your behalf. Are you planning on making another $100 contribution before the end of tomorrow, or is that basically what's in there? Is it for this financial year? Yeah. I think I just wanted to make sure that's it. Yeah. Yep.","start_word":716,"end_word":791,"sentiment":"neutral","sentiment_score":0.054459232836961746},{"text":"That's okay.","start_word":792,"end_word":793,"sentiment":"positive","sentiment_score":0.3818886876106262},{"text":"And are you happy? You've got 5,300 in there for this financial year currently nonconcessional. Are you happy for us to claim the full amount as under the notice of intent?","start_word":794,"end_word":824,"sentiment":"neutral","sentiment_score":0.2508156895637512},{"text":"Yeah. That's all good.","start_word":825,"end_word":828,"sentiment":"positive","sentiment_score":0.5701303482055664},{"text":"Yeah.","start_word":829,"end_word":829,"sentiment":"neutral","sentiment_score":0.3041171133518219},{"text":"I could Beautiful.","start_word":830,"end_word":832,"sentiment":"positive","sentiment_score":0.4652886986732483},{"text":"I could possibly split it up, couldn't I, over No. or You is actually it can't. Yeah. You yeah. have Okay. to claim it. You can only Within claim that it year. for the financial year. Yeah. Yeah. Correct. Yeah. But you're putting that money in next year as well, and you could always increase your contributions next year if you wanted to as well. So if that's Yep. something you wanted to discuss or look at in a bit more detail, let me know.","start_word":833,"end_word":917,"sentiment":"neutral","sentiment_score":0.1115592196583748},{"text":"I'm more than happy to do so.","start_word":918,"end_word":924,"sentiment":"positive","sentiment_score":0.699653685092926},{"text":"So what I'll Yep. do is I'll claim that notice of intent for you for 5,300 for this financial year. That will essentially change the contribution. This side of things, we'll send you an acknowledgment, which shows you that you've claimed the 5,300 under the notice of intent. And when you go to do your tax return, that will all already be in your system. So what happens is once we claim that NOI for you, your super fund will notify the ATO of the intention to claim and that this has been done. And so when you go if you see your account, that information should all be prepopulated for you. But I will just email you the acknowledgment anyway just as a bit of a backup just in case they haven't gotten around to free filling that information. Okay? Yep. No.","start_word":925,"end_word":1067,"sentiment":"neutral","sentiment_score":0.1366996020078659},{"text":"Awesome. Yep. Beautiful. A nice little 5,300 tax deduction. Yeah. Lovely. All good.","start_word":1068,"end_word":1080,"sentiment":"positive","sentiment_score":0.6057237386703491},{"text":"And you're a concrete a carpenter. Sorry. Is that right? Yeah. Yep. Yeah. Yeah.","start_word":1081,"end_word":1094,"sentiment":"neutral","sentiment_score":0.01171376183629036},{"text":"Beautiful.","start_word":1095,"end_word":1095,"sentiment":"positive","sentiment_score":0.5447309613227844},{"text":"Has business been picking up this year? Or Yeah.","start_word":1096,"end_word":1104,"sentiment":"neutral","sentiment_score":0.14990706741809845},{"text":"It's on they're just putting on a couple oh, more people, so still fantastic. growing. Excellent. Fantastic. Good to see. So that's the notice intent side of things and the the contribution side of things, which is great. Now I've given you your balance, which has been fantastic to see.","start_word":1105,"end_word":1154,"sentiment":"positive","sentiment_score":0.506807804107666},{"text":"To kinda give you an idea, you also have on that email there a performance with internal rate of return. So it's actually called the hub 24 performance report. If you were to open up this one and have a look at the second page there, it actually shows that the return you've saved received net of fees in your super fund is 11.4% this this for the last twelve months.","start_word":1155,"end_word":1225,"sentiment":"neutral","sentiment_score":0.1659567654132843},{"text":"So your super has done really well. We have seen some really good growth there, and we just wanna make sure we are compounding that forward. So it is really good to see.","start_word":1226,"end_word":1258,"sentiment":"positive","sentiment_score":0.5928411483764648},{"text":"Okay. Yep.","start_word":1259,"end_word":1260,"sentiment":"neutral","sentiment_score":0.15861324965953827},{"text":"Beautiful.","start_word":1261,"end_word":1261,"sentiment":"positive","sentiment_score":0.3734469413757324},{"text":"Can you see that performance reporting there? Do you Yeah. Yeah. I just went into Hub twenty four one. Yep. yeah. Nice. Always just go to the resource. Easy. So with this one here now I'm not sure if you're aware or if you remember or if you received the email, but back in about March, we sent out what was called a record of advice to you. This was a bit of an investment change we were making in your super fund. Did you receive that, or do you remember receiving that at all? I don't remember receiving it, but Nope. That's okay. I think I think something was mentioned about it. I don't quite remember. Yeah. That's absolutely fine. So, essentially, in your portfolio when you came on board in 2024, essentially, you did have the Benelon Australian Equities investment in there. Now that sort of investment manager is an actively managed fund, and that investment manager is supposed to be trying to outperform against the market or the benchmark that they're trying to that they're working with. Essentially, Benelon hasn't been able to do that.","start_word":1262,"end_word":1449,"sentiment":"neutral","sentiment_score":0.016992246375439016},{"text":"They have been underperforming pretty significantly.","start_word":1450,"end_word":1455,"sentiment":"negative","sentiment_score":-0.5645208358764648},{"text":"So in around about March, we sent out a record of advice for you to notify you that we were making an investment change. So we've removed because it was underperforming. Don't wanna keep any funds that aren't doing well for you. And we've actually moved the money into the a 200, so the Australian Equities a 200 ETF.","start_word":1456,"end_word":1514,"sentiment":"neutral","sentiment_score":-0.09099452942609788},{"text":"This investment, which is good, is actually giving you greater diversification.","start_word":1515,"end_word":1525,"sentiment":"positive","sentiment_score":0.5248117446899414},{"text":"So instead of tracking, you know, the 15 to diversification.","start_word":1526,"end_word":1535,"sentiment":"neutral","sentiment_score":0.19861146807670593},{"text":"So instead of tracking, you know, the 15 to 20 different investments, you've actually got the top 200 companies on the ASX, so you've got greater diversification. But the a 200 investment is also a cheaper as well. So it's actually saving you a bit in the way of investment fees, which is a positive, and that the compound afford can provide greater growth there.","start_word":1536,"end_word":1600,"sentiment":"positive","sentiment_score":0.4767833054065704},{"text":"So I just wanted to make sure that you have that that we did let you know that there have been some changes to your portfolio over the past few months. We did note there was an underperforming investment. We don't want you to be in anything underperforming and wanna make sure your portfolio is continuously growing and working towards your goals, building in your space for that. So we did have that one moved out. And now, you know, looking at where you were twelve months ago and having 11% return net of fees is a good return for the year. Okay. Yeah.","start_word":1601,"end_word":1704,"sentiment":"neutral","sentiment_score":0.119054913520813},{"text":"Fantastic.","start_word":1705,"end_word":1705,"sentiment":"positive","sentiment_score":0.512877345085144},{"text":"Do you have any questions about your super, the investments, or anything that have gone through so far? If you do, you're welcome to ask. No. No questions. No.","start_word":1706,"end_word":1734,"sentiment":"neutral","sentiment_score":0.12397591769695282},{"text":"Beautiful. All good. That's essentially a breakdown of your super, which is fantastic to see.","start_word":1735,"end_word":1749,"sentiment":"positive","sentiment_score":0.41565191745758057},{"text":"With the insurance side of things, now you do have your MetLife policy, and you currently have you're insured for 330,750 of life and also total permanent disability cover. If in the event of, say, passing away, your life benefit is paid out, but so is your super balance. Do you remember with your goal what was it you were sort of wanting to have cover if you were to pass away? What are you wanting to happen to those funds? I think it was just transferred to the beneficiary that was underneath Yep. me. I think it might have been my mother, maybe. Yep. That's okay. I'm just also having a quick look at your beneficiary status inside your super fund as well to see. Because having a look at your fact find here now I've got it down that you're in a de facto relationship. Is that still correct, or has that changed? Yeah. No. Still in the same relationship. Yep. Still yep.","start_word":1750,"end_word":1914,"sentiment":"neutral","sentiment_score":0.05254870973753207},{"text":"Beautiful. That's okay.","start_word":1915,"end_word":1917,"sentiment":"positive","sentiment_score":0.43769246339797974},{"text":"And no dependent children at all? No. That's absolutely No. fine. So I do have it on here that your beneficiary nomination has been made out a 100% to Madeline. Is that right? Yeah. That's right. Okay. And so is Madeline your mom? Yep. Okay. So to kinda go through and to have a look with the beneficiary nomination through Super and for your life insurance, as they do have very specific situations. Essentially, a beneficiary can only be a spouse, a child, or someone who relies on you financially or lives with you and, again, relies on you financially. So does does your mom rely on you financially? Do you help her pay her bills, or, you know, is she living with you? No. I should I I don't know. No. That's okay. So, technically, in order for her to qualify as a to be named as a beneficiary on your super and your life insurance, she needs to fit one of those categories. Unfortunately, Yeah. Okay. the way it is structured now, if you were to pass away, touch wood, nothing happens. We don't want it to. But if that was to occur, the beneficiary nomination is in place, and she could then claim. However, they would assess that claim, have her prove. She'd have to be able to need to prove that she was financially dependent on you, that you had an interpersonal relationship. And if she can't Yep.","start_word":1918,"end_word":2159,"sentiment":"neutral","sentiment_score":-0.04587443545460701},{"text":"prove that, then, unfortunately, they make the they say it's null and void, and they just don't pay the claim, which is probably not very fair to your mom.","start_word":2160,"end_word":2188,"sentiment":"negative","sentiment_score":-0.521346926689148},{"text":"She's gone through all this work and, know, thought she was able to get the funds and made the claim. But then to come back Yep. and say, I'm sorry. You don't actually qualify can be a little bit horrible on her. So there is another way to sort of structure it. Now do you happen to have a will in place? Have you ever drawn up a will? No. I don't have one. No. That's okay. So there is another way to structure the beneficiary nominations so that your mom received the funds. On the on the beneficiary nomination, we can always pick legal personal representative. And that essentially means that in the event of you passing away, your super annual life insurance proceeds are paid directly to your estate. And then it is just really important you have a will in place. And inside that will, you can direct the funds to your mom. Now a will can be done by a solicitor, which can be a little bit more costly, or you can have it done by, you know, your state trustee. They do help and organize things a little bit cheaply. They can also just be a will kit from the post office, which last time I checked was about $35 a will kit. But under the current beneficiary, the way it is nominated currently, she wouldn't be able to claim.","start_word":2189,"end_word":2423,"sentiment":"neutral","sentiment_score":-0.046089377254247665},{"text":"And if she did go through to claim, it would be rejected, which is probably not what you want your mom to go through if anything was to happen to you.","start_word":2424,"end_word":2454,"sentiment":"negative","sentiment_score":-0.41536611318588257},{"text":"Did you want me to it is best to update your beneficiary nomination. If you like after the call, I could send you an email with some information on a local solicitor and how to get a will drawn up. Would you like me to help you out with that one? Yeah. That'd be fine.","start_word":2455,"end_word":2509,"sentiment":"neutral","sentiment_score":0.05357728525996208},{"text":"Email would be good.","start_word":2510,"end_word":2513,"sentiment":"positive","sentiment_score":0.3372926712036133},{"text":"Yeah. Yeah. Yep.","start_word":2514,"end_word":2516,"sentiment":"neutral","sentiment_score":0.1816764622926712},{"text":"Beautiful.","start_word":2517,"end_word":2517,"sentiment":"positive","sentiment_score":0.47789573669433594},{"text":"So It is Faye really really yeah. so You're say it right. was, like, my partner and, like, Mhmm. she then becomes income income dependent on me because we, like, say we have kids. Would she be Yep. then a beneficiary that'll be able to access the full 100% or So would your she still partner have to obviously is still have to prove it, obviously? yeah. No. No. Your partner as she is. If you're in a defective relationship now, the person you're in the relationship with is your spouse, and they are fully qualified for a 100% of the proceeds now or in the future. So your spouse is completely fine, and they receive the funds tax free. It's just that, unfortunately, mom and dad don't qualify under the SIS Act. Yeah. Okay. Is there a way that we could probably Yeah. change that to my Absolutely. partner? Yeah. Absolutely. Are you you're happy for her to receive a 100% of the funds in the event that something happens? Yeah. Yep.","start_word":2518,"end_word":2690,"sentiment":"neutral","sentiment_score":0.0008050961947510009},{"text":"Perfect.","start_word":2691,"end_word":2691,"sentiment":"positive","sentiment_score":0.4028495252132416},{"text":"If I can describe your partner's details, if you like, I can have my team we can prefill the form for you, send it out. That way, you just have to have it signed and witnessed. Is that okay? Yeah.","start_word":2692,"end_word":2731,"sentiment":"neutral","sentiment_score":0.21687617897987368},{"text":"That's all good. Yeah. We'll make it nice and easy on you.","start_word":2732,"end_word":2743,"sentiment":"positive","sentiment_score":0.4573973715305328},{"text":"Oh, good. What's your partner's name? Laura. Is it l a u r a? Yep. Beautiful. And what was her surname? Egan, e g a n. Beautiful. Do you know her date of birth at all? Yes. The ninth of the third Yep. of March. Sorry. Yeah. Yep. 1995. 1995. Beautiful. So it's the 03/09/1995. Fantastic. Is her address the same as yours, or does she reside in a different address? Yep. No. Same address. It should be the 12 Caribbean Avenue, Ashmore. That's the one. Yeah. Perfect. Not a problem at all. And I'll tick staff for that one.","start_word":2744,"end_word":2843,"sentiment":"neutral","sentiment_score":0.06282629072666168},{"text":"And you're happy with me ticking a 100% of the nomination to be paid to have?","start_word":2844,"end_word":2859,"sentiment":"positive","sentiment_score":0.3579270541667938},{"text":"Yeah.","start_word":2860,"end_word":2860,"sentiment":"neutral","sentiment_score":0.2291894108057022},{"text":"That's all good. Beautiful. Lovely. And we can update that for your super annual life insurance.","start_word":2861,"end_word":2876,"sentiment":"positive","sentiment_score":0.46127447485923767},{"text":"Is that okay? Or Yes.","start_word":2877,"end_word":2881,"sentiment":"neutral","sentiment_score":0.1129588633775711},{"text":"That's all good too. yeah. Beautiful. Lovely.","start_word":2882,"end_word":2888,"sentiment":"positive","sentiment_score":0.6431496143341064},{"text":"Just need to get clarification.","start_word":2889,"end_word":2893,"sentiment":"neutral","sentiment_score":0.24520030617713928},{"text":"You're happy for me to take care of that.","start_word":2894,"end_word":2902,"sentiment":"positive","sentiment_score":0.48616284132003784},{"text":"But, look, you're busy, so we'll take care of the hard work in filling out this form.","start_word":2903,"end_word":2919,"sentiment":"neutral","sentiment_score":0.3057633340358734},{"text":"And then we can either email it or post it to you, and we can have that nomination updated nice and easily. That way it reflects your wishes. And that way your family don't have to in the event something was to happen, don't have a stressful time claiming.","start_word":2920,"end_word":2968,"sentiment":"positive","sentiment_score":0.4589737951755524},{"text":"Yeah.","start_word":2969,"end_word":2969,"sentiment":"neutral","sentiment_score":0.2453373819589615},{"text":"Sounds Okay. good. Fantastic.","start_word":2970,"end_word":2973,"sentiment":"positive","sentiment_score":0.542999804019928},{"text":"Did you want us to email or post or both? What's easier for you, Hayden? You probably can you so I'll just email just be a digital DocuSign or will I have to still get You a have witness? you Yeah. have to print and sign and get two witnesses. Yeah. Sorry. Yeah. That's all. I'll probably use the paper copy and maybe the The email paper? as well just in case it gets lost. Yep. But, yeah, they're both. Yeah. Not a problem at all. We'll have a reply envelope in there pre addressed back to us to make it easier for you as well. Okay.","start_word":2974,"end_word":3080,"sentiment":"neutral","sentiment_score":0.11320090293884276},{"text":"Oh, perfect. Fantastic. All good.","start_word":3081,"end_word":3085,"sentiment":"positive","sentiment_score":0.5328918099403381},{"text":"Now with the life amount that you are covered for there, as I kinda mentioned, the sum insured, 330,750. Are you happy with the level of cover you have, or did you wanna look at maybe increasing or altering that level of cover? No. That cover's fine. That's fine.","start_word":3086,"end_word":3134,"sentiment":"neutral","sentiment_score":0.07734846323728561},{"text":"Beautiful.","start_word":3135,"end_word":3135,"sentiment":"positive","sentiment_score":0.34487229585647583},{"text":"Yeah. Now Is with that so t that's p an annual yes. fee, is it? So sorry for that that life insurance. You're absolutely fine. So, yeah, you do pay for the out of your super, and you pay for it on a yearly basis. So the total for your life, PPD, and income protection you paid for recently is a $1,782.89. Yeah. Yeah. And you just Yeah. pay once a year out of your super fund. So the idea is we want it to come out of the growth and all the income that your super is generating. That way your super still continues to grow, but you also get to have the level of cover that you need. Does that make sense? Yeah. No. That's perfect.","start_word":3136,"end_word":3263,"sentiment":"neutral","sentiment_score":0.10746323689818382},{"text":"Yeah. Excellent.","start_word":3264,"end_word":3265,"sentiment":"positive","sentiment_score":0.5089073181152344},{"text":"Now you also have the same level of cover for Perfect. TPD. So TPD is total permanent total permanent disablement. It essentially pays out either a lump sum benefit or an income stream in the event that you're disabled and not able to go back to work again. To meet that definition of TBD, you have to be unable to go to back to any job for which you are educated, trained, or have worked in previously. So it is quite a broad definition. Do you think that that level of cover is suitable for you? Did you wanna look at altering the TPD level of cover you have? Or No. That'd be fine. There it is. that's okay? Yeah.","start_word":3266,"end_word":3385,"sentiment":"neutral","sentiment_score":0.04567600786685944},{"text":"Beautiful.","start_word":3386,"end_word":3386,"sentiment":"positive","sentiment_score":0.4770849943161011},{"text":"And then you've also got some income protection here as well. So income protection pays out a monthly benefit if you're unable to work in the short term due to due to illness or injury. Income wise, I don't have an updated income. What do you estimate your income to be this year? Probably, for me personally, probably take home a 120 to a 130 probably, and then I'll leave Okay. this to the rest of my business. Yep. So Yep. that's That's why I okay. was paying myself an annual wage pretty much around that Okay. And then And yeah. is your business is is your business set up as are you a sole trader or a company? Or I said it was a company. okay.","start_word":3387,"end_word":3513,"sentiment":"neutral","sentiment_score":0.025648219510912895},{"text":"Beautiful.","start_word":3514,"end_word":3514,"sentiment":"positive","sentiment_score":0.3663061857223511},{"text":"So you pay yourself as an employee. Yeah. Yeah. Excellent. The wage. Yeah. Yep. Absolutely. So now if we had a bit of a look with income protection, you can be covered for up to 70% of your, essentially, your gross income. Based on your with what you're insured for at the moment, your monthly benefit you're insured for is 3,094 pretax. So if you were on an income protection claim, just like your income, you are taxed on the amount that you receive. So say you've received about 2,800 from a monthly benefit sort of give or take net. Would that benefit amount cover you, or do you think you might need to increase that? Because based on a 120,000, you're a little bit low.","start_word":3515,"end_word":3640,"sentiment":"neutral","sentiment_score":0.015402832674601722},{"text":"The income protection, you are a bit underinsured there.","start_word":3641,"end_word":3649,"sentiment":"negative","sentiment_score":-0.37509241700172424},{"text":"Do you feel like you need to have maybe increase that, or do you feel like if you weren't able to work, you've got enough in the way of the business income and maybe have enough in the bank to cover you, or what's your thought? Yeah. I should be fine with that because I have a black worker's working for me, so the company Yep. can Okay. keep working if anything happens. Yeah.","start_word":3650,"end_word":3723,"sentiment":"neutral","sentiment_score":-0.07543254643678665},{"text":"Perfect.","start_word":3724,"end_word":3724,"sentiment":"positive","sentiment_score":0.5759141445159912},{"text":"So they can still keep doing the jobs, and you can still pay keep paying yourself to to provide that Yeah. offset. Yep. Yeah.","start_word":3725,"end_word":3748,"sentiment":"neutral","sentiment_score":0.28437748551368713},{"text":"Excellent.","start_word":3749,"end_word":3749,"sentiment":"positive","sentiment_score":0.52262282371521},{"text":"Now you've also got a thirty day waiting period with that one, so it does mean that you just have to be off work for thirty days prior to making a claim. I like to maybe suggest that if you feel like you're gonna be off work and meet that waiting period and something happens, give us a call, let us know. That way, we can let the insurer know that the claim needs to start, and they can start calculating that thirty day waiting period for you. We can get the claims documents sorted. That way, when you hit that thirty days, we can submit everything and try to get the claim processed as quickly as possible for you. Okay? Yeah. And that's for the claim.","start_word":3750,"end_word":3876,"sentiment":"neutral","sentiment_score":0.1125260517001152},{"text":"Excellent.","start_word":3877,"end_word":3877,"sentiment":"positive","sentiment_score":0.4603328704833984},{"text":"Was that like did they get like a did they get like a back charge, or you just get it from that day when you first get the claim put through? Yeah. So it takes you have to wait the thirty days prior to putting the claim documents in, and then it generally takes about another thirty days for them to complete the assessment of the claim, and you are paid thirty days in arrears. So, realistically, you could be off work and not having any income for about sixty to ninety days prior to you actually receiving your first payment. That is if it all goes accordingly. I have seen it happen faster, but you would definitely be off work and probably not receiving any kind of income for the first at least sixty days. Yeah. And what if you return back to work within those sixty days? So Like, they'll say assess yeah. They'll assess essentially when you go back to work and whether because you are paid in arrears, as long as you've met that thirty day waiting period. you're If in that next thirty days you happen to go back to work, they'll just assess whether you were eligible for anything based on everything that was submitted, and you might get a week or two or one month payment there for you as well. So there is a chance you could get a payment. It just all comes down to what happens, what the illness of injury is, how quickly we get everything in and get the claim started, but also how long you're off work for and what what happens long term. Yeah. No. Thank Yeah. you.","start_word":3878,"end_word":4159,"sentiment":"neutral","sentiment_score":-0.033528720880759526},{"text":"So all good.","start_word":4160,"end_word":4162,"sentiment":"positive","sentiment_score":0.45310133695602417},{"text":"You've also got an age 65 benefit period there, which means that if anything did happen, you can be on a claim up to the age of 65. Normally, with these sort of claims, if you are on an income protection claim long term, say, more than, you know, five or ten years, they often then do a bit of a big payout, so you're not getting a monthly benefit for till age 65. However, it does depend on the claim. There's a few different factors that sort of go into play there. But having an age 65 benefit period is good. It does mean if something happens, especially in your area with what you do for a living. If you weren't ever able to get back to work again, you can be on a claim giving you a bit of supplement income to the age of 65, which does sort of help with the benefit. Okay. Yeah.","start_word":4163,"end_word":4320,"sentiment":"neutral","sentiment_score":0.1017722710967064},{"text":"All good.","start_word":4321,"end_word":4322,"sentiment":"positive","sentiment_score":0.385359525680542},{"text":"Do you have any questions about how any of those insurances work, the lack of teeth that is the income protection? You're welcome to ask me to clarify more if you need to. Oh, that's so Yeah.","start_word":4323,"end_word":4359,"sentiment":"neutral","sentiment_score":0.08627834468073137},{"text":"All good. It's always a a funny one.","start_word":4360,"end_word":4367,"sentiment":"positive","sentiment_score":0.4326823949813843},{"text":"good. Like, the insurances, we pay for all the insurances we have to cover us. If in the event something was to happen, it might only be a one or 2% chance it's actually claiming. And the biggest risk we have is that we hold the insurances. We keep paying the premiums, and we never actually claim on them. They just expire or we cancel them later down the track. So it's kind of a gotta love that one, don't you? Yeah. Yeah. Yeah. Definitely.","start_word":4368,"end_word":4452,"sentiment":"neutral","sentiment_score":0.021267980337142944},{"text":"All good.","start_word":4453,"end_word":4454,"sentiment":"positive","sentiment_score":0.377115786075592},{"text":"Now you don't happen to have any insurances outside of super, like, trauma. Did you want me to talk you through what trauma is, how that works? Are you happy just for the three types of cover you have? I was happy with the three tops. Happy? That's okay. If you ever have any more questions, want them broken down, or more further detail, let me know. More than happy to do so. We can review this at any time with you as well. One of the biggest things to sort of keep in mind is that these insurances do get more expensive over time. So as you go through a renewal every year, the cost of the insurances increases, but also the amount you're covered for increases as well. So, you know, you get the benefit of having, yeah, an increase every year on how much you're covered for, but, unfortunately, the premium is gonna get more expensive the older you get as well. So we'll make sure we keep reviewing these with you and alter the cover as we need to moving forward. Okay? Yes. That would be.","start_word":4455,"end_word":4644,"sentiment":"neutral","sentiment_score":0.01652403362095356},{"text":"Fantastic.","start_word":4645,"end_word":4645,"sentiment":"positive","sentiment_score":0.4647121727466583},{"text":"Now just to sort of update all your assets here as well, I've got your main primary residence down there. You had an asset value last time of about 1,200,000. What sort of value would you put on the property now, do you think? The property? Yeah. It's I think it's probably I think it's I think I just checked it at one point two thirty or something. Yeah. Had to really Yeah. jump Perfect.","start_word":4646,"end_word":4720,"sentiment":"neutral","sentiment_score":0.045845795422792435},{"text":"massively, That's but Excellent. Excellent.","start_word":4721,"end_word":4725,"sentiment":"positive","sentiment_score":0.48695218563079834},{"text":"And what sort of do you have a loan yeah. on that one still? Yeah. I have a line. Yeah. Yep. How much do you have owing on that one still at the moment? Still well, 100% sure. It's been fine. It's like That's most okay. of it. Yeah. Even It's just because an we approximate haven't yeah. figure. We only just bought it. So Alright. And do you remember what the loan was when you purchased the property? It's going to bank now. Yeah. Yeah. It was You're right. because it had also had a guarantor for it as well. So Yep. Perfect. yeah. We didn't even have yeah. That's okay. Yeah. So yeah. So the net balance we owe is 1.196. $9.06. Beautiful.","start_word":4726,"end_word":4850,"sentiment":"neutral","sentiment_score":0.06211148202419281},{"text":"Thank you for that.","start_word":4851,"end_word":4854,"sentiment":"positive","sentiment_score":0.603753924369812},{"text":"And do you have any other cars, boats, caravans, anything else of value? Yeah. I have a car. Yep. What kind of car do you drive? It's a iZuzu D Max four wheel drive. Oh, nice. Yeah. Perfect. And what sort of value would you put on that, do you think? Probably, like, 35 to 40. Yeah. Perfect. Go on the top range there. They tend to hold their value quite nicely, the D Maxes. Yeah. Pretty good. Okay. And do you have a loan on that one, or do you own it outright? Oh, no. In this one. Own it outright. Beautiful. Yeah. Alright. Yeah. And yeah. Excellent. Do you have any shares, cryptocurrency, collections, or tools of trade that you'd note down a value? Yeah. I have pools. Yep. If you sorta had to put a value on all your tools, what do you think you might value them at? Probably say, either like 10 to 15, probably like 12, I reckon. Yeah.","start_word":4855,"end_word":5019,"sentiment":"neutral","sentiment_score":0.08226670324802399},{"text":"Beautiful.","start_word":5020,"end_word":5020,"sentiment":"positive","sentiment_score":0.4035649597644806},{"text":"And and the 5 other thing grand. I do Yeah. like to yeah.","start_word":5021,"end_word":5033,"sentiment":"neutral","sentiment_score":0.13880378007888794},{"text":"Fantastic.","start_word":5034,"end_word":5034,"sentiment":"positive","sentiment_score":0.5122644901275635},{"text":"The other thing I do like to note down is the contents. Because when you look at everything you have in your house, realistically, the contents is quite valuable. We tend to ensure that to protect, you know, if we had to replace everything. What do you estimate your contents or value might be if your content? Yeah. I'd probably say close to 20, Yep. 20 maybe thousand? 20. Yeah. Yep.","start_word":5035,"end_word":5105,"sentiment":"neutral","sentiment_score":0.04675900327487731},{"text":"Beautiful. Excellent. Lovely.","start_word":5106,"end_word":5108,"sentiment":"positive","sentiment_score":0.7050833106040955},{"text":"And do you have any credit cards or personal loans or anything else that you need to note down liability wise? I have an Amex card, but that's attached to my business. So Yep. it's not No. for That's me personally. okay. Yeah. That's fine as well. All set by the company.","start_word":5109,"end_word":5160,"sentiment":"neutral","sentiment_score":0.05065353587269783},{"text":"Fantastic.","start_word":5161,"end_word":5161,"sentiment":"positive","sentiment_score":0.5136085748672485},{"text":"And I've got your as you mentioned, your income here of about 120,000, and you're just making contributions of about a $100. It looks like it's on a weekly basis. Is that right? Yeah. I think that's gonna change to obviously doing super. Well, I think super is every week now, but Yep. it it used to I used The to payday. just make my own claims to be a, like, a sole trader or a choice to operate out of a trust, so it's a little bit different. Yep. But Yep. now So I've fixed it's all it to a company Gotcha. structure. So now I pay myself Yep. a wage and I pay myself super. So Okay. And the super, will that be going in at the 12% rate? So on a 120,000, you can expect about 14,400 in contributions. Is that gonna be what we're sort of expecting? yeah. Yeah. That's fine. Yeah. Yep. I just need Yeah. to whatever the top of the 5%. Yep. Yeah. Absolutely. Not a problem at all.","start_word":5162,"end_word":5337,"sentiment":"neutral","sentiment_score":0.03265746682882309},{"text":"Fantastic. Thank you for that.","start_word":5338,"end_word":5342,"sentiment":"positive","sentiment_score":0.5402848124504089},{"text":"And are you wanting to make additional contributions over and above that, like, say, you know, your $100 per week, say, salary sacrifice or non concessional, or you're just happy to see what what the, you know, SDC contributions do with you now being a company? Yeah. I'll just keep with the the company structure for now and just Yep. see That's how it absolutely looks, I guess. fine. Yeah. Yeah. Yeah. No. Not a problem at all. And are you paying extra onto your mortgage sort of looking to try and pay that down as quickly as possible? Or Yeah. Kinda. We're we're looking at kind building we're looking at building a granny of flat on the property. yeah. Nice. Then obviously rent that out to then increase cash flow Yeah. that way and then most likely move out of the house and rent both of them at the same time. Yep.","start_word":5343,"end_word":5495,"sentiment":"neutral","sentiment_score":0.11289026856032852},{"text":"So Perfect.","start_word":5496,"end_word":5497,"sentiment":"positive","sentiment_score":0.4111865162849426},{"text":"that's kind of that's So create kind a of the similar plan, income but stream. Yep. yeah. So I'm kind of pausing, like, the pain of downs because we can't and just putting aside as much money as we can to build this granny Mhmm. flat because that's Yeah. gonna obviously Yep. have a value of, like, a $150. It's probably gonna cost the build, but as a value of, like, over 300,000, it's Yep. already been, like, kind of evaluating that. Yeah.","start_word":5498,"end_word":5580,"sentiment":"neutral","sentiment_score":0.05401504412293434},{"text":"Beautiful. Excellent.","start_word":5581,"end_word":5582,"sentiment":"positive","sentiment_score":0.5177024602890015},{"text":"And what's the time frame you're hoping to have the granny flat sorted in? Hopefully, within a year and a half. So we've Okay. already started kind of building it like it's getting out of the ground, but we're just waiting for extra permits and stuff like that. Yeah. The council stuff, that's all fun, isn't Yeah. it? Yeah. Accountants will be approved. It's more just the building approval through Yep. a certifier. So Right. No. That's good. Well, hopefully, it all goes through fairly quickly for you.","start_word":5583,"end_word":5670,"sentiment":"neutral","sentiment_score":0.07608385384082794},{"text":"That sounds exciting.","start_word":5671,"end_word":5673,"sentiment":"positive","sentiment_score":0.4919626116752625},{"text":"And yeah. so Yeah. moving forward, your plan is to kind of move out of that property. You'll have it as the investment as well as the granny flat. So two essentially, two different properties providing income there. And then are you looking to sort of buy your next property as your main primary residence again? Or Yeah. We're looking probably to rent, but, yeah, that's probably the plan. Probably won't be our primary. It's probably just do, like, a similar thing despite something that we Okay. can obviously add a granny flat to add some sort of value to, and then, yeah, just keep I don't know. And rent Things out. until eventually Yeah. we can obviously buy, like, our, I guess, you like it forever home or dreamer, whatever you wanna call it. But, yeah, eventually, Yeah. like, The the one the you're living dream living home. for. Yeah. You're living. Yeah. No.","start_word":5674,"end_word":5828,"sentiment":"neutral","sentiment_score":0.06317266848298811},{"text":"Absolutely perfect. That sounds fantastic. Lovely.","start_word":5829,"end_word":5834,"sentiment":"positive","sentiment_score":0.7596327662467957},{"text":"And do you have any other goals that you're looking to hopefully achieve over the next one to two years, or is it more just building on this property dream and building your property portfolio up? Yeah. Just the property portfolio would be pretty that's what we've been wanting to do for a while. So, yeah, kinda got that first one. So, yeah, try to snowball Yeah. that.","start_word":5835,"end_word":5902,"sentiment":"neutral","sentiment_score":0.098008893430233},{"text":"Oh, that's fantastic.","start_word":5903,"end_word":5905,"sentiment":"positive","sentiment_score":0.496850311756134},{"text":"No.","start_word":5906,"end_word":5906,"sentiment":"neutral","sentiment_score":0.2690630555152893},{"text":"Well, I look forward to seeing how that goes and, you know, working with you on the journey. That sounds fantastic.","start_word":5907,"end_word":5927,"sentiment":"positive","sentiment_score":0.42784854769706726},{"text":"I'm sure your forever home will be amazing when you finally Yeah. get to that property. Okay. No. All good. Excellent. So what I'll do essentially is we'll get that beneficiary nomination updated with your partner's details. I'll also send out some information on doing up a will and some information around that for you after the call. There's no real advice to provide at the moment with regard to your super because we have made that switch of the investments there. It's good just to sort of let them sit for the next sort of six to twelve months and see how that takes and let your, you know, let your super contributions come in. But did you wanna do a catch up in about three, six months? Are you happy just to have a review in twelve months? What would you like to see, Hayden? Probably just twelve months maybe. Yeah. And That's then absolutely fine. Yep. yeah. Not Oh, a man. problem Oh, at we all. could do the six months. I don't know. I guess if anything is going bad, maybe we have a review. But Yep. Well, if everything's would you like if everything's me to all maybe sweet yeah. yeah. Did you want me to maybe check your super in about six months? So, I mean, we have a look at the portfolios on a pretty regular basis. However, if you like, I could make some time in six months' time, which is basically December, just to see what your super is doing. I Yep. could always just decide then whether you need a a catch up if the market is down, if we haven't seen some great returns, maybe give you a call, and we reevaluate your portfolio and look at advising forward. If everything is going well, did you want me just to hold up until the twelve month mark? What would is that be okay with you, or did you Yeah. want That something sounds different? that sounds perfect. Yeah. That sounds Yeah. good. That's If okay. it's going that way or if it's going good, yeah, I'm happy for the twelve months.","start_word":5928,"end_word":6289,"sentiment":"neutral","sentiment_score":0.0721146025134055},{"text":"That's fine. Absolutely fantastic.","start_word":6290,"end_word":6293,"sentiment":"positive","sentiment_score":0.5024217963218689},{"text":"And just so you are aware, the ongoing service agreement, as I mentioned, is in the email there for you. You are on a fee of 1.1 percent. Essentially, our fee structure next year will change, but we're gonna keep you on this for the next twelve months. We'll go through this in more detail down the track. Our normal fee structure is 1.65%. So we have reduced that fee yourself and keeping you on a lower fee structure now. We wanna make sure your balance is growing and building first before we kind of make any alterations there. So if you are happy to stay on board for another year, we'll get you to sign and return that one back for me. But do you have any questions around the fee structure, how that works? Or Yeah. So what am I what am I on originally? Was it 1.3, did you say? 1.1 for the Oh, year. I don't want to yeah. And then it's getting Yeah. pushed up for the coming year or the year starting now. What was that? Sorry. One point. Or is it gonna stay So the same? we're we're keeping you on the same. It's our fee structure Yeah. is Okay. normally 1.65%, but we've reduced yours for you. It's about making Yeah. sure your sleep is working harder. So you'll stay Yeah. on the 1.1 for the for this next year, and then we'll get to the next review, and then you and you and I can assess it again then. Okay? Yeah. Yeah. No. Sounds Yeah.","start_word":6294,"end_word":6557,"sentiment":"neutral","sentiment_score":0.09439114579987344},{"text":"good. Fantastic. Just wanna make sure your super is growing and building. You've got a lot of time ahead of you there, but, essentially, you still want your super to be compounding, and starting off now is the best way forward.","start_word":6558,"end_word":6598,"sentiment":"positive","sentiment_score":0.5570724010467529},{"text":"Looking forward at your retirement, are you sort of hoping to access super as early as possible, say, age 60, or do you think you'd be, leaving it there and maybe working longer? What's your goal for your Yeah. I don't not sure. It depends how it really goes. retirement? But Yeah. See what happens possibly when you get there? yeah. See what happens when I get there. If I need to use it or not, I don't Yeah. really know yet. But yeah. It's okay. I If guess you like maybe for as go soon was as possible. yeah. If you like go was, I could always say, look. We're working on the age of 60 now. That gives you the option to retire at 60 if your super works really well. However, you don't ever have to. We're not gonna force you to. You're welcome to then decide at 60, hey.","start_word":6599,"end_word":6751,"sentiment":"neutral","sentiment_score":0.11866483092308044},{"text":"I like what I'm doing.","start_word":6752,"end_word":6756,"sentiment":"positive","sentiment_score":0.36300480365753174},{"text":"I wanna go a bit more, or I don't really need to access super. I've got enough passive income to support me through. So working on this, you know, giving you 60 active goal means we're working towards that goal, but then you don't have to. You can, you know, change your mind at any point. Does that sound okay? Yeah. Is there any way of accessing Yep. your super even before the age of 60? Is is there a way you can do that? There is a way. However, it's not preferable. Essentially, you have to meet hardship provisions, or if you're wanting to you know, you're a first home buyer, you can access it that way. Yeah. That's what it was. First time buyer. Yeah. Yeah. Or if you've got compassionate grounds. So a lot of people tend to access it for, say, medical procedures where they can't fund the procedure out of their back pocket and they need to access super. So, essentially, that's probably the biggest ways to do it. However, accessing it before 60, there is more tax involved. So if you take out some money, they also take out a bit of extra to pay for taxation, and Yeah. it could cost you a lot more. So we try to not have to unless you really need to. But if the option's there and you do need it, let us know. We will assist you in that area. Okay? Yep.","start_word":6757,"end_word":7002,"sentiment":"neutral","sentiment_score":0.06339918514827221},{"text":"That's good. Beautiful.","start_word":7003,"end_word":7005,"sentiment":"positive","sentiment_score":0.6712173819541931},{"text":"Is there anything else that I know I've touched on a lot, and you're probably ready to go home, put your feet up for the afternoon. But is there anything else that you maybe needed from me? Have any other questions around? Or No. I think everything's been covered nicely. Yep.","start_word":7006,"end_word":7056,"sentiment":"neutral","sentiment_score":0.17718353867530823},{"text":"Yeah. Beautiful. Beautiful. Fantastic.","start_word":7057,"end_word":7060,"sentiment":"positive","sentiment_score":0.6447848081588745},{"text":"Well, if you find you have any questions, let me know. We'll get that notice of intent claimed for you for the 5,300. That will happen, as I said, automatically in your a on your myGov account, but we'll also email you the acknowledgment once it has been acknowledged just so you have that as a confirmation. Okay? Yep.","start_word":7061,"end_word":7119,"sentiment":"neutral","sentiment_score":0.21078060567379},{"text":"Sounds good. Beautiful. Well, thank you so much. Feel free to review the and the review pack.","start_word":7120,"end_word":7136,"sentiment":"positive","sentiment_score":0.5400559902191162},{"text":"And once you're happy to, you know, sign and return that back, I'll get you to if you have any questions, let me know. If you find at any point through the year you do need any extra assistance, advice, or you just have some questions for me, just give me a call.","start_word":7137,"end_word":7189,"sentiment":"neutral","sentiment_score":0.19542353937648377},{"text":"More than happy to take any calls.","start_word":7190,"end_word":7196,"sentiment":"positive","sentiment_score":0.5111099481582642},{"text":"You're not limited to once a year or once every six months. We just try not to annoy you too often. That's all. Okay? Yep. Okay.","start_word":7197,"end_word":7222,"sentiment":"neutral","sentiment_score":0.1782107800245285},{"text":"Sounds Be beautiful, Hayden. I'll let you go. I hope you have a good restful afternoon. good. You too. Thank you for taking Alright. my call. I really appreciate it. You're alright. See you later.","start_word":7223,"end_word":7257,"sentiment":"positive","sentiment_score":0.6656437516212463},{"text":"Talk to you Bye. soon. See you later. Talk Bye. to you. Bye.","start_word":7258,"end_word":7270,"sentiment":"neutral","sentiment_score":0.15697035193443298}],"average":{"sentiment":"neutral","sentiment_score":0.10283922406161472}}}}