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Is now still a good time there for you? No worries. How's your day been so far? Yeah. Oh, that's good. That's good. Before we jump into the call, like, Christopher, just to let you know, we do record these calls for quality and training purposes. Are you happy for us to proceed with that? Beautiful. And we are discussing your personal information. So just going to do security with you. I'll just get you to confirm your full name, date of birth, and address there for me. Beautiful. Thank you so much for that. I had you booked in. One of the things we discussed when we did your annual review last year was doing a bit of a catch up early this year to sort of have a a bit more of a look at what your sleep has been doing and maybe look at reassessing things there for you. We wanted to sort of touch base to let you know we had also, as of kind of late last year, noted that one of the investments has unfortunately not been performing as well, and we do definitely wanna, you know, be able to have a bit of a look at your goals and maybe update the advice there for you. And definitely look at switching out some of the portfolios. Not sure if you've heard in the news or anything in relation to it, but you've got the Benelon Australian Equities in your super fund that you have a fairly a large holding of them as well. As of late last year, unfortunately, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market. They had to report on that. It came out, and then it meant that Bennelong had to reevaluate that portion of their investment. I'd also meant that analysts were going back and reevaluating Bennelong as such. So Bennelong, unfortunately, has seen a significant decline in your portfolio, and it's something that we want to obviously action and move out for you. But we wanted to have a bit of a chat with you first, make sure we're updating the advice and reviewing everything for you at the same time. Yeah. So what we wanted to do, obviously, is moving Van Along out, and the reason Van Along was initially put into your portfolio was to give you a little bit of active management there. Do you look at your super very often? Do you have a look at the investments or log in to Netwealth at all on a regular basis? No? Yeah. No. That's okay. One of the things we did talk about in the annual review last year was maybe looking at Netwealth and seeing whether it was still an appropriate investment reevaluating. Are you comfortable with me looking at Netwealth as well as other platforms that let us see if there's something cheaper that might sort of help benefit you long term? Yeah. Fantastic. Perfect. Now as it is sort of mentioned, Bennelong is more of an active management component in there for you. We have our investment committee have definitely meant to talk about what they wanna replace Bennelong with. And because it is down at the moment, by moving all your investments out and replacing a few different things if we find there is a better portfolio for you can actually offset the CGT with the fact that Benelung is down. So there is a bit of a benefit to that one. What I wanted to sort of also find out was as of, like, last year, one our investment committee had utilized I'm not sure if you've ever heard of BlackRock investment firm before, but our investment committee have met up with BlackRock, and they've actually built an SMA, which is a separately managed account. If you wanted us to, we can definitely look at whether that product would be suitable for you. Essentially, what an SMA is, it's like a managed fund. And inside that managed fund, we invest in anywhere between 10 to 50 different investment options depending on what's happening. The main kind of benefit of having this SMA product would be inside that SMA, everything is passively managed as low cost index funds that are working towards your goals. But the benefit there is that if in the event something was to happen with an underlying investment, so, like, we have the issue with Bannalong that we have had recently occur, it essentially means that our investment committee can remove that investment without having to go through an updating advice. So it means that they can act a lot faster to remove underperforming investments. Or as markets change, because markets definitely do change and certain things become a really good investment opportunity, it means that the investment committee can make those changes on your behalf. The only sort of downside to having an SMA really is that you lose a bit of visibility, and that's kind of the reason I asked a bit more about whether you access or have a look at Netwealth at all. Because, essentially, if you were to look in your super funds, you would just see how much money you have and the product, the SMA that you're in, not the separately managed account that you're in. And you don't really see a lot in the way of the underlying investments. That's all kinda happening in the background. Would you like me to look at something like that, which is more passively managed, maybe lower cost for you, provide that sort of a benefit of being able to be moved around for you? Yeah. That would suit. Yeah. Beautiful. I will I can also go out there, and I will also, you know, look at all the other options as well. So whether we replace one option, maybe some other options there, whether we put you into the SMA, and I'll also reevaluate not only Netwealth, but all the different super funds for you. We can update the advice for you to reflect as well. That way, when we're ready, we'll come back. We'll show you the recommendations around what we're recommending, how, why, the advantages, disadvantages, and the risks involved so you can kinda take all that information before making your decision about whether you take on that advice. Is that okay? Yeah. Cool. Do you have any questions about that? I'm sorry. It's quite a lot of information to go through, but do you have any questions there at all, Safa? No. No. Uh-huh. So this is something that we had sort of noticed and kinda come into play. And as soon as we all kinda came back in January, we're like, right. We need to figure this out. We need to remove Ben along and find something else. So it's just a matter of going through and having it chat to all the clients and working out what your goals and objectives are and how we can update the advice to reflect there for you as well. Okay? Yeah. At the moment, Benelon, in your portfolio is down by about 20%. The returns as a dollar figure, it is down by $13,000. Yeah. Not necessarily. That's just that one investment. It's showing the investment itself is down by 13,000. However, your other investments have done really well. So when we have a look at them individually, your physical gold is up by 53.06%. So that's the return in dollar figures of about 4,212 for the amount you have in physical gold. We've also got other investments that are up. Your European is up by 1,900. You've also got Japan is up by over 1,700. The S and P 500 is up over 1,700 there as well. So all in all, your portfolio is doing really well. You're not down by a whole lot. I can work it out for you to show you what the physical down is when I take away all the increases. That one there. Sorry. It won't be a second. Two. Alright. Sorry. My computer is a little bit slow at the moment. I do apologize about that. 536242. So all in all, the rest of your portfolio is showing a positive of that 9,575. So then we take away what you're slightly down by here, and it's a negative about $3,446. So while spent along in that particular portfolio showing a negative of 13,000 there, over your entire portfolio, it's only down by about 3,400. So the rest of your portfolios have more of a positive impact to limit the negative on that one. And one of the good things about utilizing that is we can utilize the loss that it has seen to offset any gains when we are reevaluating the portfolio. So your super fund essentially will have a limited tax liability to cover by maneuvering different things or changing super funds at the same time. Does that make sense? Yeah. We can essentially use that to our advantage, and the good thing is the diversification has worked with other investments being up to offset majority of that loss there for you. Okay? Yeah. Perfect. Does that all make sense so far? Yep. Perfect. Perfect. So having a bit of a look, I will definitely have a look at the estimated product there for you as well as the other options there. It does take a couple of weeks to do it back and do the research. Whilst we have sort of been look at this over the last couple of weeks there as well, Benelon has had a little bit of a rebound, so we certainly hope it does come back and provide more of a rebound in the interim there as well. The other thing that was really important to look at when we are looking at your super is your insurances because they are paid out of your super funds, so they do have a long term impact on your retirement there as well. When we kinda went through things in the annual review last year, you had your life in TPD. You were happy with the sum insured there of about 593,745. Are you still happy to retain the life and TPD, not wanting to review that? Do you feel like that level of cover is still suitable? Yeah. Yep. Perfect. Just having a look at the details of fact find I have here from your annual review when we spoke last year. I have it noted down that your main primary residence there, you have a loan owing or had a loan owing, sorry, of about 300,000. Has that been reduced since we last called out? That's okay. Is it rough that same? Yeah. Yep. No. That's okay. I can leave it roughly as is. It's just sort of having a bit of a guide there. In the event of, say, passing away, your life cover's paid out, which has that $5.93 sum insured, and that is indexed every year as well. So as it goes through renewal, that will increase. And then, also, your Netwealth Super balance is paid out there as well. So having a look, when we sort of caught up last year I'm just going back to your account. Your balance when we spoke yeah. And your review time was a hundred and fifty nine thousand five hundred and sixty seven. As of today's date, your super balance is a 165,849. So while that all longs down a little bit, your balance is still increased over time with those other investment options. Okay. Beautiful. So, essentially, if you passed away, the life cover is paid out. You see the balance is paid on top of that. Having a bit of a look at your assets and liabilities there, that can pay off your mortgage and then leave some additional income. I've also got a a $54,000 loan there on your BYD. Do you still have that one? Yep. Yep. And is the loan roughly still about the same? Or yep. Yep. That's okay. Do you feel like the life and the super balance paid out would be sufficient for your family after covering those debts? Or is there something particularly you wanted your life cover to pay out in the event of passing? That's okay. Yep. Paying out debts and providing additional income for your family. Yep. Beautiful. With the TBD matter, as we kinda went through, TBD is paid out in the event of a permanent disability, and your super balance can be released in that instance as well. And you do have the same level or some insured as your life cover. Do you feel like that's fairly sufficient at all? It's hard to tell, isn't it? Yeah. It is really important as we kinda do go through with everyone. In the event of a TBD benefit, unfortunately, there is taxes there. Tax is paid on the benefit. It's including some insurance. So what happens with TBD is if you claim and successful with TBD, some insured of your insurance is paid to your super, and then you can draw it out from there. Unfortunately, it is a taxable payment, which I think is extremely wrong. I think if someone can never go back to work again due to disability, they should not have to pay tax on the amount. But the tax is paid up to 22%, unfortunately. As financial advisers, if in the event of a claim, we can set up, like, an income stream and find ways to be able to minimize the tax effect on you, but we just wanna make sure that we're, you know, honest and let you know what could be the occurrence there. Did you want me to work out roughly what that might look like based on your current balance? Or yeah. That's okay. Sorry. What are we going? No. That's okay. It's one of the things I always say I talk to you about all the things you've never thought about in your entire life. So total balance there, so four twenty seven. Sorry. Just doing a little bit of quick math here for you. Four twenty seven eight nine five, and we'll do 22% of that. So it'd be roughly the tax on that full amount if deducted at the full 22% could be around about 94,136 based on current super balance and the sum insured, which if we took that away there. So $94.94 $1.03 6. Would leave you with an estimated amount of 333,759, which realistically would still cover the mortgage and would still leave a little bit of a buffer there. Did you wanna look at maybe altering the TPD benefit, or are you happy just to leave it as is at the moment at the moment with that information? Or it is quite minimal when you think about that. Obviously, the with the tax component there, it is quite high. And if you were to make a claim, we would definitely there are things that we can do. We do provide advice to serve an income stream, which can limit the tax drawdown. It can reduce that for you. We can also do other things to provide an uplift and help to minimize the tax on that sort of things, but we just have to make sure that we're letting you know what the, you know, that it is up to 22% depending on, you know, what happens and what age you are. Yeah. Completely up to you. Did you wanna look at maybe altering the TPD benefit? Yeah. That's okay. So if in the event of a TPD claim, did you want to maybe look at covering the tax component and having the pay down paid after tax? Yep. Yep. Perfect. And if you were TBD, they never go back to work again. What would you want the funds to pay out? Because you're still living, and often on the TBD claim, people can have rehabilitation, might have to make modifications to the house, the car, things like that. What would you want your TBD benefit to pay down for you if you could never go back to work again? Yeah. So so as an example, some people might wanna have the mortgage completely paid off so they start off completely debt free and then maybe replace a couple of years of income replacement. One of the benefits to doing that is whilst your income might be I'm just having a look here. Sorry. I had your income as 83,700 and 50. So if you were PPD, they're not able to get back to work again by paying off the mortgage, then you don't have that expense anymore. So you could replace, you know, five, ten, or fifteen years worth of your income and actually get double that because you're not paying your regular mortgage or payments anymore. So it allows you more expendable income. Does that make sense? Yeah. That's okay. What's it that's okay. What's it now? What do you want now? $93,500. Perfect. Perfect. I'll just update that for you. Lovely. Thank you for that. So thinking about the TPD benefit, what would you say you would like to maybe have paid out or covered? Yep. Mhmm. Yeah. That's okay. How many years income do you think you might want to suffice or cover for yourself? No. That's okay. Yeah. That's okay. It's really no rule of thumb. It really just comes down to what you're after, what you want, or what you would feel comfortable. Just having a look here. So you're married. Does your wife work at all? Yep. So if you were never able to get back to work again, do you think that and then, look, this is also the summiting depending on what the injury could be that would stop you from working. But do you think she might be able to still go to work, and what kind of income does she bring home? Yeah. No. That's okay. If you like, what I could always do is I could get some quotes to find out what maybe five or ten years worth of income replacement like look like, and then I could always have that follow-up with you. We could talk about what the costing of the quotes comes out like and what you're comfortable with. In the meantime, you could have a think about what you're after. Does that sound okay? Yep. Income replacement. So I can look at five and ten years for you. Because, I mean, the the benefit to having the cover is that it's there to protect you and provide a benefit in the event that something was to happen to you. However, the more of a benefit you do have when it is paid out of super, it does also have an effect on your retirement income as well because it's it's, you know, can eat up some of your super or, you know, depending on your benefit, all of your super if you're, you know, paying too much in insurances. So it's a bit of a juggling ask with that one. Yeah. That's okay. I'm just having a quick look. I don't seem to date of birth is missing out of my section here. What's your date of birth again? 04/25/1975. Beautiful. Perfect. Do you find that you have much in the way of leftover funds at the end of the week or extendable income, or is everything going towards paying down your expenses, your mortgage, and your car loan? Yep. Perfect. Yep. That's okay. Because there are definitely some awesome benefits if you're open to to paying for a little bit of TBD out of your back pocket. Are you open to paying for any of the cover maybe outside of super if there's a benefit to it for you, or did you wanna also have paid for inside super? What would be your preference? Yep. That's absolutely okay. Perfect. So what I'll do is I'll go back and I'll look at getting some quotes to increase the TBD component for you. I'll do the math to work at what the need is based on covering your mortgage, your car loan, consider the tax consequences, and income replacement of five to ten years. Then we can always work out whether you're comfortable with that or whether you wanna alter it moving forward. Does that sound okay? Beautiful. I can also look at because when we link life and TPD together, both so boosting up life and keeping it linked to TPD makes it more cost effective. Are you happy if I need you to make it more cost effective and cheaper, increase the life coverage to match the TBD benefit? Yeah. Perfect. The other thing I do have here is that you don't have any income protection. I know we did kinda talk about this before. You were comfortable in your annual review not seeking income protection. If you were not able to go to work in the short term due to illness or injury, do you have a lot of long service leave, annual leave, or sick leave that you could fall back on? Yep. No. That's okay. How much sick leave do you think you might have? Six weeks? Yep. That's okay. I know because, you know, given your age and the older we get, obviously, the insurances are more expensive as well. But did you want me to look at what income protection might cost for you as well, or are you happy just with life and TBD? Yeah. Yeah. Perfect. I can do that. I'll just I can organize the quotes there for you, then we can always touch base again and have a really good chat about the outcome, what's expected, and you can let me know what you wanna proceed with. Okay? Perfect. Now I know on the topic of insurances, there is one other type of cover we do have touch base on. It is called trauma. So trauma tends to pay out a lump sum tax free benefit in the event of a traumatic condition. So things like cancers are probably the biggest one, neurological conditions, Parkinson's, diabetes. Did you wanna maybe look at getting some trauma as well, or are you happy just with the covers you can pay inside so far? Some trauma? Yep. Perfect. In the event of, say, one of those traumatic diagnoses, is there a certain amount on a weekly or monthly basis you might be comfortable paying out of your back pocket, or did you want me to look at a certain level of cover? That's okay. Yeah. That's okay. So trauma can be fairly cheap. If you like, what I could do is I could maybe look at one to two years worth of gross income for you. And then when we come back and touch base, I can go through what the expected cost might look like, and you can let me know what your thoughts are there. Does that sound okay? Yeah. Perfect. Sorry. As I said, I asked you all the questions you've never thought about. No. You are absolutely fine. It's really good to have these conversations, and they keep revisiting them too because, I mean, what you sort of did or didn't want tomorrow or last year can definitely change in the future. So it's always good to revisit things. It also tends to open up the thought process and what it is that you're actually after, what you want, and your goals can change, which is really important to revisit too. So it's good to have these conversations. Yeah. Perfect. Now with income protection, again, you can pay it both inside and outside of super. If you pay some of your income protection or all of it outside of super, because you are protecting your income, you can claim a tax deduction on the premiums paid. Did you want me to look at that all inside Super, or are you happy to pay a little bit of income protection outside of Super out of your back pocket? Yep. Yep. Perfect. I can have a look at those for you. Beautiful. What I can even do is once I've kinda got the quotes there, I can always send them to you via email, and then I can book in a time just to catch up with you as well, and we can go through and talk about the email. That way, you've seen it before I start throwing numbers at you. Does that sound like a good idea? Yep. Perfect. The other things to think about with the income protection is what's called a waiting period. This is how long you can be off work or you need to be off work prior to making a claim. They start at four weeks, and it can it can be, like, thirty days, sixty days, ninety days. Do you feel like having a shorter waiting period so you can claim sooner might be beneficial? Yep. Perfect. Thirty days. Beautiful. And there's also a a that benefit period, which is essentially how long you can be on a claim for. They start off at two years, five years, or all the way up to age 65. The longer the benefit period, the more expensive the insurance premiums are gonna be. Do you feel like this two years would be comfortable, or would you like a five year benefit period? What would you like me to look at? I can look at two and five if you want. Yep. Perfect. All good. I'll have a look at two years and five years for you, and then we can always come back and make the adjustments. Okay. Perfect. Now other goals that I have here just so we are looking to update things. I have it done that you were hoping to access super and retire at around the age 60. Is that still fair where you're hoping to stop working, or do you think that might have changed? Yeah. That's okay. We can work on that. Perfect. And in retirement income of about $1,000 a week, you're still working on that, or do you have a bit of a different goal for income wise? Yep. Perfect. And with Susan, your wife, is she older, younger than you, same age as you? Same age? Beautiful. Is she hoping to retire about the same time? Okay. Yep. That's okay. Do you know roughly what her balance might be? Okay. Perfect. Lovely. And what kind of income is she on at the moment? Okay. Perfect. Just while I'm doing the research, because you are getting closer and closer, we do factor in the retirement aspect just as kinda showing you the long term effect of the advice and where we're kinda heading there. So it is really important when you do have a partner and a spouse that we do add some considerations for, you know, them to to as much of an extent as we possibly can for you. Okay? Perfect. Excellent. I've got your income up there to 93,500. You're not salary sacrificing or making any additional contributions at the moment at all? Just super? Okay. So sorry. Let me just go back to your account there. I might have missed that. I do apologize. Let's have a look. Sorry. Just logging back in. There we go. Ah, there we go. Salary sacrifice. Okay. So I've got looking at the last 12 there. K. So it looks like you've recently started contributing. Is that right for salary sacrifice? Yep. Yep. Perfect. So I can see here there's two contributions that have been made in the last twelve months. So one is for five $100, and one is for $300. They were both made in January. How much have have you asked your employer to contribute out of your pay on a weekly basis? $100 a week. Okay. Perfect. Lovely. It looks like one of those, he kept a little bit longer and had to put it in as a lump sum. But that's okay. They they can still do that. That's not a problem at all. Are you happy to keep it at the same amount, or did you wanna maybe look at increasing that if there's more of a benefit there, or you're happy just with a 100 dollars per week? Mhmm. Yep. Perfect. Do you know roughly how much you're saving or have expendable income at the end of the week when you get your pay? Okay. Yep. That you have available for, like, savings? Yep. Yep. Perfect. If I did need to maybe look at increasing the salary sacrifice component, is there a level that you'd be comfortable increasing it to, or would you just be comfortable, you know, to help kind of meet your goals if we told you what you needed to do? Yeah. Another hundred per week. Yep. Perfect. Perfect. Excellent. I'll go and have a bit of a look at that for you. Obviously, we are also looking at holding some of the insurances outside of super. I'll be mindful of that, making sure that we're not eating away all your expendable income. So I can look at holding cover outside of super versus maybe sales back and looking at the differences there for you and which could provide greater benefit. Okay? Perfect. Other assets I had here, I had your ETFs. You had about $620 in them when we spoke last year. Have you increased your investment into your ETF at all? Yep. That's okay. Do you know what is roughly valued at at the moment? Yeah. It does. It does. Yeah. Yeah. Cool. I've also got your credit card down. It had a $7,500 limit. Do you still have the same limit on the card? Yeah. Beautiful. Your main primary residence and asset value there of 1,060,000, is that still the same, or do you think that would have changed? Oh, perfect. That's fantastic. I mean, it's always sad for the next generation trying to get in, but it's great for us to own property already. With your vehicle there, the BYD, I had an asset value for about 62,000. Do you think that value might have increased, decreased, or altered at all, or keep it the same? Yep. That's okay. What do you think you put on it? 75? Perfect. Excellent. I've got contents value of about 50,000. We'd keep that about the same, do you think? Beautiful. And your Mazda CX five at about 15,000? Yep. Beautiful. And that was incorporated into the home loan for purchasing. And then I've also got your bikes, plural, with an asset value combined of about 45,000. Is that fairly accurate? Yep. Perfect. All good. Now because we are looking at altering the insurances, it is really important that we do also maybe look at doing a pre assessment with you. It has been a while since we've completed one. Is there maybe a day that one of my beautiful admin team could give you a call and run through a quick free assessment? Is this a couple of health questions to kind of understand what we can expect from altering the insurances and what sort of contracts might be offered for you? Yep. Yeah. That's absolutely fine. We're here normally until about seven Queensland time, so our last calls are around about 6PM Queensland time to make it easier. Yep. Perfect. Is there a day this week or next probably? Sorry. Next week that might suit you better. I'm so sorry. Any day for Friday? Perfect. Well, if I was to pop it in for maybe Monday, say, 6PM Queensland time, would that be okay, or did you want 05:00 Queensland time? Six would be better. Beautiful. Lovely. I've popped it in there. One of my beautiful admin team will give you a call, run through a bit of a pre assessment there with you. I'll add a text message reminder so it sends you a message about half an hour prior just to remind you that I'll be giving you a call. If something pops up, please let me know. Once we've got the details of the pre assessment, I can do the research with my team, having a look at the insurance side of things. I'll come back and have a chat to you about those once I've got the insurances sorted, and then I'll go back and do the research on the super and the super funds there for you. I can also look at whether it's gonna be a better benefit for having a TBD or the income protection oh, sorry. The income sorry. The income protection or the trauma paid out of pocket as opposed to increasing salary sacrifice and sort of work out what to do there. Is there anything that I might have missed? Is that kind of everything that we're comfortable looking at the moment? Yeah. Mhmm. Yep. Absolutely. That's a really good question. I have seen quite a lot on that as well. It essentially is that you in order for you to do that, you need to have what's called a self managed super fund. So it's a little bit more complex than what you have at the moment, but you can't actually have anything to do with the property. It's gotta be what's called an arm point transaction. One of the biggest things that we like to make sure everyone is aware that you can't access or use the property. Given the way lending is structured with the self managed super fund is that you would have to have, with your super balance, a minimum of, say, a 20 or 30% deposit to be able to lend. So your balance is a little bit low. We normally don't recommend anyone open a self funded super fund until their balance is at least 300,000, either that by themselves or combined with someone else. The biggest thing to also consider is that as under a self managed super fund, it is exactly what is in the name. It is self managed. So you become the trustee, which means you need to be more hands on, having a look at everything, dealing with your account a little bit closer. And it can be a bit more costly as well because there is a lot more to it, a lot more compliance. It's gotta be have it in tax return every year. It's gotta have an audit done on it. All these things that normally happen in a super fund where the trustee looks after, they would all be put more towards yourself, and you would have to do that. You sorta have to pay out of the fund for those sorts of things. So it is a little bit more complex. As advisers, we can provide advice in that area for you, but I'd be sort of wanting to sort of build your super fund a little bit more in order to do that. The other thing I do like to bring up is when we are looking at lending in these sorts of trust structures, you are looking at a thirty year loan. So given you're 51 this year, is that right? Yeah. Sorry. Just wanna make sure. I'm always cautious with everyone's age. I don't wanna make anyone older than they really are. Essentially, when we are looking at the lending aspect, when we buy for our main primary residence, we all normally have a thirty year loan. And we can normally, depending on the type of loan, be adding additional contributions into that. When we're looking at a self managed super fund, again, we do often look at a thirty year loan, but we can't be making additional contributions to pay the loan down faster. The way the loan is assessed is your employer contributions, any salary sacrifice you make between you and any other members of the fund. So we can't just pay money into it willy nilly to pay the loan down because it's all considered a contribution. So there is a lot of rules and regulations around doing so. It is a great structure and can be really wonderful to have, but I do sort of find when you balance the sorry. Under that $300,000 mark and when we are older, like in our fifties, we maybe don't wanna work for the next thirty years, it can often be not the best sort of structure to look at. And often having a an investment property in your own name provides you greater tax benefits because we pay more tax in our own name than we do inside super as well. So yeah. Perfect. All good. But now, look, if you ever have more questions about that sort of thing, please come and let me know. It is something I really enjoy talking about, and we can advise in that area. Just because we can doesn't mean we're going to, but it is always, you know, able for you to come and have those conversations and ask because if they've seen something that's interesting for you. If we're not sure what it is, we can go and investigate it and come up with some answers to help you out. Perfect. Oh, good. Yeah. No. That's okay. That's not a problem at all. It's it's great that you brought it up. It's fantastic. You know? Now when you see those ads, you'd be like, I know what that is. No. Perfect. The only last thing I wanted to touch base on was the estate planning side of things. In the event of passing, so with your your super and your life insurance, I'm assuming you would like all of that paid to your wife. Is that right? Yeah. Perfect. And have you guys spoken to a source of that or had a will drawn up in the past at all? Yep. Perfect. Just having a quick look back at the last fax line we had from last year. So it says that you guys had it done in 2020. Is that right? That sounds about right. All good. And it's all still fairly it would be fairly right to your circumstances or relevant? Yep. Yep. Perfect. All good. Well, what we'll do is if it is a recommendation to alter or change the super fund, we'll make sure we also establish a recommendation for estate planning and the beneficiary nominations to make sure we're covering all your bases there. But other than that, that's everything I needed to go through. Oh, wait. Sorry. The only other thing I had here was your risk profile. I do apologize. I missed that one. Last year, when we touched base, we did the risk profile questionnaire. You had come out as a high growth investor. Obviously, the high growth investor is where you see that 90% invested in growth assets. You're trying to take on a bit more risk to or paying greater potential returns there. However, it is taking on a bit more risk. So you can see as your balance increases, market fluctuations that might see a dip that is magnified. Are you still comfortable looking at that high growth environment? Did you feel like you wanted to start reducing the risk level a bit? Well, having a look at things, the high growth environment does someone who has at least eight years before they're wanting to access their super. So having a look at things at the moment, even at the age of 60, you're 51 this year, you've still got about nine years. So you do fit within that category there. The likelihood of a negative return is one in every five years. And if we were to scroll down, say, reduce your risk to the growth portfolio, it has the same likelihood of negative return. With the average expected returns that we're looking for or trying to obtain with this sort of portfolio, we're looking to try and get about eight to 10% compounded on a yearly basis. So you are looking to get a bit more returns there. If you wanted to, we could start to maybe reduce the exposure. We've moved down to the growth portfolio, which has a 80% in those growth investments. We're still trying to obtain greater potential returns, but it's just increasing the defensive component a bit and pulling back the risk level by about 10%. Realistically, if you're agent stage, you could stay in the high growth portfolio for one more year and sort of see how you're feeling, or we could start to pull you back a little bit. It just comes down to how you feel about the markets, the ups and downs, and your super as a whole. Yep. Perfect. Not a problem at all. Well, I can look at that separately managed account and other portfolios that keep that 90% growth investment, 10% defensive investment split for you. You're comfortable with that level? Yep. Beautiful. I can have a look at that. I'll go back and update the advice. And when we've got it fully ready to go after we've done the insurance side of things, then we can go through those recommendations together. I'll show that in your document. You can see what we're recommending, how and why, the advantages, the disadvantages, and the risks involved. And then as with all advice we provide, you get to decide whether you take all of it, some of it, or none of it. Does that sound okay? Yep. Perfect. Do you have any questions for me at all? But I know I ask you everything under the sun, but is there anything you wanted to ask me at all? No. That's okay. If you find there is, please do let me know. Not a problem at all. All good. Well, that's everything there. I've got you booked in for next Monday, which is the March 2 to have your pre assessment at 6PM. I've added a text message reminder there for you. In the meantime, I'll get cracking on this research for you, and we'll come back and have another conversation about the insurances after we've had a look at what we can do. Okay. Beautiful. Thank you so much for your time. I really appreciate it. If there is anything that pops up question wise, just let the team know. They'll happily either find out if I'm available on the spot or book you in. They'll always ask. Okay? K. You see? My pleasure, Christopher. Thank you so much for your time. Anytime. I'll talk to you soon. Thank you. See you later. 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Christopher. This is Dana from Okey Financial. How are you this afternoon? I'm very well. Thank you.\n\nWe had you booked in for a bit of a catch up this afternoon. Is now still a good time there for you? No worries. How's your day been so far? Yeah.\n\nOh, that's good. That's good. Before we jump into the call, like, Christopher, just to let you know, we do record these calls for quality and training purposes. Are you happy for us to proceed with that? Beautiful.\n\nAnd we are discussing your personal information. So just going to do security with you. I'll just get you to confirm your full name, date of birth, and address there for me. Beautiful. Thank you so much for that.\n\nI had you booked in. One of the things we discussed when we did your annual review last year was doing a bit of a catch up early this year to sort of have a a bit more of a look at what your sleep has been doing and maybe look at reassessing things there for you. We wanted to sort of touch base to let you know we had also, as of kind of late last year, noted that one of the investments has unfortunately not been performing as well, and we do definitely wanna, you know, be able to have a bit of a look at your goals and maybe update the advice there for you. And definitely look at switching out some of the portfolios. Not sure if you've heard in the news or anything in relation to it, but you've got the Benelon Australian Equities in your super fund that you have a fairly a large holding of them as well.\n\nAs of late last year, unfortunately, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market. They had to report on that. It came out, and then it meant that Bennelong had to reevaluate that portion of their investment. I'd also meant that analysts were going back and reevaluating Bennelong as such. So Bennelong, unfortunately, has seen a significant decline in your portfolio, and it's something that we want to obviously action and move out for you.\n\nBut we wanted to have a bit of a chat with you first, make sure we're updating the advice and reviewing everything for you at the same time. Yeah. So what we wanted to do, obviously, is moving Van Along out, and the reason Van Along was initially put into your portfolio was to give you a little bit of active management there. Do you look at your super very often? Do you have a look at the investments or log in to Netwealth at all on a regular basis?\n\nNo? Yeah. No. That's okay. One of the things we did talk about in the annual review last year was maybe looking at Netwealth and seeing whether it was still an appropriate investment reevaluating.\n\nAre you comfortable with me looking at Netwealth as well as other platforms that let us see if there's something cheaper that might sort of help benefit you long term? Yeah. Fantastic. Perfect. Now as it is sort of mentioned, Bennelong is more of an active management component in there for you.\n\nWe have our investment committee have definitely meant to talk about what they wanna replace Bennelong with. And because it is down at the moment, by moving all your investments out and replacing a few different things if we find there is a better portfolio for you can actually offset the CGT with the fact that Benelung is down. So there is a bit of a benefit to that one. What I wanted to sort of also find out was as of, like, last year, one our investment committee had utilized I'm not sure if you've ever heard of BlackRock investment firm before, but our investment committee have met up with BlackRock, and they've actually built an SMA, which is a separately managed account. If you wanted us to, we can definitely look at whether that product would be suitable for you.\n\nEssentially, what an SMA is, it's like a managed fund. And inside that managed fund, we invest in anywhere between 10 to 50 different investment options depending on what's happening. The main kind of benefit of having this SMA product would be inside that SMA, everything is passively managed as low cost index funds that are working towards your goals. But the benefit there is that if in the event something was to happen with an underlying investment, so, like, we have the issue with Bannalong that we have had recently occur, it essentially means that our investment committee can remove that investment without having to go through an updating advice. So it means that they can act a lot faster to remove underperforming investments.\n\nOr as markets change, because markets definitely do change and certain things become a really good investment opportunity, it means that the investment committee can make those changes on your behalf. The only sort of downside to having an SMA really is that you lose a bit of visibility, and that's kind of the reason I asked a bit more about whether you access or have a look at Netwealth at all. Because, essentially, if you were to look in your super funds, you would just see how much money you have and the product, the SMA that you're in, not the separately managed account that you're in. And you don't really see a lot in the way of the underlying investments. That's all kinda happening in the background.\n\nWould you like me to look at something like that, which is more passively managed, maybe lower cost for you, provide that sort of a benefit of being able to be moved around for you? Yeah. That would suit. Yeah. Beautiful.\n\nI will I can also go out there, and I will also, you know, look at all the other options as well. So whether we replace one option, maybe some other options there, whether we put you into the SMA, and I'll also reevaluate not only Netwealth, but all the different super funds for you. We can update the advice for you to reflect as well. That way, when we're ready, we'll come back. We'll show you the recommendations around what we're recommending, how, why, the advantages, disadvantages, and the risks involved so you can kinda take all that information before making your decision about whether you take on that advice.\n\nIs that okay? Yeah. Cool. Do you have any questions about that? I'm sorry.\n\nIt's quite a lot of information to go through, but do you have any questions there at all, Safa? No. No. Uh-huh. So this is something that we had sort of noticed and kinda come into play.\n\nAnd as soon as we all kinda came back in January, we're like, right. We need to figure this out. We need to remove Ben along and find something else. So it's just a matter of going through and having it chat to all the clients and working out what your goals and objectives are and how we can update the advice to reflect there for you as well. Okay?\n\nYeah. At the moment, Benelon, in your portfolio is down by about 20%. The returns as a dollar figure, it is down by $13,000. Yeah. Not necessarily.\n\nThat's just that one investment. It's showing the investment itself is down by 13,000. However, your other investments have done really well. So when we have a look at them individually, your physical gold is up by 53.06%. So that's the return in dollar figures of about 4,212 for the amount you have in physical gold.\n\nWe've also got other investments that are up. Your European is up by 1,900. You've also got Japan is up by over 1,700. The S and P 500 is up over 1,700 there as well. So all in all, your portfolio is doing really well.\n\nYou're not down by a whole lot. I can work it out for you to show you what the physical down is when I take away all the increases. That one there. Sorry. It won't be a second.\n\nTwo. Alright. Sorry. My computer is a little bit slow at the moment. I do apologize about that.\n\n536242. So all in all, the rest of your portfolio is showing a positive of that 9,575. So then we take away what you're slightly down by here, and it's a negative about $3,446. So while spent along in that particular portfolio showing a negative of 13,000 there, over your entire portfolio, it's only down by about 3,400. So the rest of your portfolios have more of a positive impact to limit the negative on that one.\n\nAnd one of the good things about utilizing that is we can utilize the loss that it has seen to offset any gains when we are reevaluating the portfolio. So your super fund essentially will have a limited tax liability to cover by maneuvering different things or changing super funds at the same time. Does that make sense? Yeah. We can essentially use that to our advantage, and the good thing is the diversification has worked with other investments being up to offset majority of that loss there for you.\n\nOkay? Yeah. Perfect. Does that all make sense so far? Yep.\n\nPerfect. Perfect. So having a bit of a look, I will definitely have a look at the estimated product there for you as well as the other options there. It does take a couple of weeks to do it back and do the research. Whilst we have sort of been look at this over the last couple of weeks there as well, Benelon has had a little bit of a rebound, so we certainly hope it does come back and provide more of a rebound in the interim there as well.\n\nThe other thing that was really important to look at when we are looking at your super is your insurances because they are paid out of your super funds, so they do have a long term impact on your retirement there as well. When we kinda went through things in the annual review last year, you had your life in TPD. You were happy with the sum insured there of about 593,745. Are you still happy to retain the life and TPD, not wanting to review that? Do you feel like that level of cover is still suitable?\n\nYeah. Yep. Perfect. Just having a look at the details of fact find I have here from your annual review when we spoke last year. I have it noted down that your main primary residence there, you have a loan owing or had a loan owing, sorry, of about 300,000.\n\nHas that been reduced since we last called out? That's okay. Is it rough that same? Yeah. Yep.\n\nNo. That's okay. I can leave it roughly as is. It's just sort of having a bit of a guide there. In the event of, say, passing away, your life cover's paid out, which has that $5.93 sum insured, and that is indexed every year as well.\n\nSo as it goes through renewal, that will increase. And then, also, your Netwealth Super balance is paid out there as well. So having a look, when we sort of caught up last year I'm just going back to your account. Your balance when we spoke yeah. And your review time was a hundred and fifty nine thousand five hundred and sixty seven.\n\nAs of today's date, your super balance is a 165,849. So while that all longs down a little bit, your balance is still increased over time with those other investment options. Okay. Beautiful. So, essentially, if you passed away, the life cover is paid out.\n\nYou see the balance is paid on top of that. Having a bit of a look at your assets and liabilities there, that can pay off your mortgage and then leave some additional income. I've also got a a $54,000 loan there on your BYD. Do you still have that one? Yep.\n\nYep. And is the loan roughly still about the same? Or yep. Yep. That's okay.\n\nDo you feel like the life and the super balance paid out would be sufficient for your family after covering those debts? Or is there something particularly you wanted your life cover to pay out in the event of passing? That's okay. Yep. Paying out debts and providing additional income for your family.\n\nYep. Beautiful. With the TBD matter, as we kinda went through, TBD is paid out in the event of a permanent disability, and your super balance can be released in that instance as well. And you do have the same level or some insured as your life cover. Do you feel like that's fairly sufficient at all?\n\nIt's hard to tell, isn't it? Yeah. It is really important as we kinda do go through with everyone. In the event of a TBD benefit, unfortunately, there is taxes there. Tax is paid on the benefit.\n\nIt's including some insurance. So what happens with TBD is if you claim and successful with TBD, some insured of your insurance is paid to your super, and then you can draw it out from there. Unfortunately, it is a taxable payment, which I think is extremely wrong. I think if someone can never go back to work again due to disability, they should not have to pay tax on the amount. But the tax is paid up to 22%, unfortunately.\n\nAs financial advisers, if in the event of a claim, we can set up, like, an income stream and find ways to be able to minimize the tax effect on you, but we just wanna make sure that we're, you know, honest and let you know what could be the occurrence there. Did you want me to work out roughly what that might look like based on your current balance? Or yeah. That's okay. Sorry.\n\nWhat are we going? No. That's okay. It's one of the things I always say I talk to you about all the things you've never thought about in your entire life. So total balance there, so four twenty seven.\n\nSorry. Just doing a little bit of quick math here for you. Four twenty seven eight nine five, and we'll do 22% of that. So it'd be roughly the tax on that full amount if deducted at the full 22% could be around about 94,136 based on current super balance and the sum insured, which if we took that away there. So $94.94 $1.03 6.\n\nWould leave you with an estimated amount of 333,759, which realistically would still cover the mortgage and would still leave a little bit of a buffer there. Did you wanna look at maybe altering the TPD benefit, or are you happy just to leave it as is at the moment at the moment with that information? Or it is quite minimal when you think about that. Obviously, the with the tax component there, it is quite high. And if you were to make a claim, we would definitely there are things that we can do.\n\nWe do provide advice to serve an income stream, which can limit the tax drawdown. It can reduce that for you. We can also do other things to provide an uplift and help to minimize the tax on that sort of things, but we just have to make sure that we're letting you know what the, you know, that it is up to 22% depending on, you know, what happens and what age you are. Yeah. Completely up to you.\n\nDid you wanna look at maybe altering the TPD benefit? Yeah. That's okay. So if in the event of a TPD claim, did you want to maybe look at covering the tax component and having the pay down paid after tax? Yep.\n\nYep. Perfect. And if you were TBD, they never go back to work again. What would you want the funds to pay out? Because you're still living, and often on the TBD claim, people can have rehabilitation, might have to make modifications to the house, the car, things like that.\n\nWhat would you want your TBD benefit to pay down for you if you could never go back to work again? Yeah. So so as an example, some people might wanna have the mortgage completely paid off so they start off completely debt free and then maybe replace a couple of years of income replacement. One of the benefits to doing that is whilst your income might be I'm just having a look here. Sorry.\n\nI had your income as 83,700 and 50. So if you were PPD, they're not able to get back to work again by paying off the mortgage, then you don't have that expense anymore. So you could replace, you know, five, ten, or fifteen years worth of your income and actually get double that because you're not paying your regular mortgage or payments anymore. So it allows you more expendable income. Does that make sense?\n\nYeah. That's okay. What's it that's okay. What's it now? What do you want now?\n\n$93,500. Perfect. Perfect. I'll just update that for you. Lovely.\n\nThank you for that. So thinking about the TPD benefit, what would you say you would like to maybe have paid out or covered? Yep. Mhmm. Yeah.\n\nThat's okay. How many years income do you think you might want to suffice or cover for yourself? No. That's okay. Yeah.\n\nThat's okay. It's really no rule of thumb. It really just comes down to what you're after, what you want, or what you would feel comfortable. Just having a look here. So you're married.\n\nDoes your wife work at all? Yep. So if you were never able to get back to work again, do you think that and then, look, this is also the summiting depending on what the injury could be that would stop you from working. But do you think she might be able to still go to work, and what kind of income does she bring home? Yeah.\n\nNo. That's okay. If you like, what I could always do is I could get some quotes to find out what maybe five or ten years worth of income replacement like look like, and then I could always have that follow-up with you. We could talk about what the costing of the quotes comes out like and what you're comfortable with. In the meantime, you could have a think about what you're after.\n\nDoes that sound okay? Yep. Income replacement. So I can look at five and ten years for you. Because, I mean, the the benefit to having the cover is that it's there to protect you and provide a benefit in the event that something was to happen to you.\n\nHowever, the more of a benefit you do have when it is paid out of super, it does also have an effect on your retirement income as well because it's it's, you know, can eat up some of your super or, you know, depending on your benefit, all of your super if you're, you know, paying too much in insurances. So it's a bit of a juggling ask with that one. Yeah. That's okay. I'm just having a quick look.\n\nI don't seem to date of birth is missing out of my section here. What's your date of birth again? 04/25/1975. Beautiful. Perfect.\n\nDo you find that you have much in the way of leftover funds at the end of the week or extendable income, or is everything going towards paying down your expenses, your mortgage, and your car loan? Yep. Perfect. Yep. That's okay.\n\nBecause there are definitely some awesome benefits if you're open to to paying for a little bit of TBD out of your back pocket. Are you open to paying for any of the cover maybe outside of super if there's a benefit to it for you, or did you wanna also have paid for inside super? What would be your preference? Yep. That's absolutely okay.\n\nPerfect. So what I'll do is I'll go back and I'll look at getting some quotes to increase the TBD component for you. I'll do the math to work at what the need is based on covering your mortgage, your car loan, consider the tax consequences, and income replacement of five to ten years. Then we can always work out whether you're comfortable with that or whether you wanna alter it moving forward. Does that sound okay?\n\nBeautiful. I can also look at because when we link life and TPD together, both so boosting up life and keeping it linked to TPD makes it more cost effective. Are you happy if I need you to make it more cost effective and cheaper, increase the life coverage to match the TBD benefit? Yeah. Perfect.\n\nThe other thing I do have here is that you don't have any income protection. I know we did kinda talk about this before. You were comfortable in your annual review not seeking income protection. If you were not able to go to work in the short term due to illness or injury, do you have a lot of long service leave, annual leave, or sick leave that you could fall back on? Yep.\n\nNo. That's okay. How much sick leave do you think you might have? Six weeks? Yep.\n\nThat's okay. I know because, you know, given your age and the older we get, obviously, the insurances are more expensive as well. But did you want me to look at what income protection might cost for you as well, or are you happy just with life and TBD? Yeah. Yeah.\n\nPerfect. I can do that. I'll just I can organize the quotes there for you, then we can always touch base again and have a really good chat about the outcome, what's expected, and you can let me know what you wanna proceed with. Okay? Perfect.\n\nNow I know on the topic of insurances, there is one other type of cover we do have touch base on. It is called trauma. So trauma tends to pay out a lump sum tax free benefit in the event of a traumatic condition. So things like cancers are probably the biggest one, neurological conditions, Parkinson's, diabetes. Did you wanna maybe look at getting some trauma as well, or are you happy just with the covers you can pay inside so far?\n\nSome trauma? Yep. Perfect. In the event of, say, one of those traumatic diagnoses, is there a certain amount on a weekly or monthly basis you might be comfortable paying out of your back pocket, or did you want me to look at a certain level of cover? That's okay.\n\nYeah. That's okay. So trauma can be fairly cheap. If you like, what I could do is I could maybe look at one to two years worth of gross income for you. And then when we come back and touch base, I can go through what the expected cost might look like, and you can let me know what your thoughts are there.\n\nDoes that sound okay? Yeah. Perfect. Sorry. As I said, I asked you all the questions you've never thought about.\n\nNo. You are absolutely fine. It's really good to have these conversations, and they keep revisiting them too because, I mean, what you sort of did or didn't want tomorrow or last year can definitely change in the future. So it's always good to revisit things. It also tends to open up the thought process and what it is that you're actually after, what you want, and your goals can change, which is really important to revisit too.\n\nSo it's good to have these conversations. Yeah. Perfect. Now with income protection, again, you can pay it both inside and outside of super. If you pay some of your income protection or all of it outside of super, because you are protecting your income, you can claim a tax deduction on the premiums paid.\n\nDid you want me to look at that all inside Super, or are you happy to pay a little bit of income protection outside of Super out of your back pocket? Yep. Yep. Perfect. I can have a look at those for you.\n\nBeautiful. What I can even do is once I've kinda got the quotes there, I can always send them to you via email, and then I can book in a time just to catch up with you as well, and we can go through and talk about the email. That way, you've seen it before I start throwing numbers at you. Does that sound like a good idea? Yep.\n\nPerfect. The other things to think about with the income protection is what's called a waiting period. This is how long you can be off work or you need to be off work prior to making a claim. They start at four weeks, and it can it can be, like, thirty days, sixty days, ninety days. Do you feel like having a shorter waiting period so you can claim sooner might be beneficial?\n\nYep. Perfect. Thirty days. Beautiful. And there's also a a that benefit period, which is essentially how long you can be on a claim for.\n\nThey start off at two years, five years, or all the way up to age 65. The longer the benefit period, the more expensive the insurance premiums are gonna be. Do you feel like this two years would be comfortable, or would you like a five year benefit period? What would you like me to look at? I can look at two and five if you want.\n\nYep. Perfect. All good. I'll have a look at two years and five years for you, and then we can always come back and make the adjustments. Okay.\n\nPerfect. Now other goals that I have here just so we are looking to update things. I have it done that you were hoping to access super and retire at around the age 60. Is that still fair where you're hoping to stop working, or do you think that might have changed? Yeah.\n\nThat's okay. We can work on that. Perfect. And in retirement income of about $1,000 a week, you're still working on that, or do you have a bit of a different goal for income wise? Yep.\n\nPerfect. And with Susan, your wife, is she older, younger than you, same age as you? Same age? Beautiful. Is she hoping to retire about the same time?\n\nOkay. Yep. That's okay. Do you know roughly what her balance might be? Okay.\n\nPerfect. Lovely. And what kind of income is she on at the moment? Okay. Perfect.\n\nJust while I'm doing the research, because you are getting closer and closer, we do factor in the retirement aspect just as kinda showing you the long term effect of the advice and where we're kinda heading there. So it is really important when you do have a partner and a spouse that we do add some considerations for, you know, them to to as much of an extent as we possibly can for you. Okay? Perfect. Excellent.\n\nI've got your income up there to 93,500. You're not salary sacrificing or making any additional contributions at the moment at all? Just super? Okay. So sorry.\n\nLet me just go back to your account there. I might have missed that. I do apologize. Let's have a look. Sorry.\n\nJust logging back in. There we go. Ah, there we go. Salary sacrifice. Okay.\n\nSo I've got looking at the last 12 there. K. So it looks like you've recently started contributing. Is that right for salary sacrifice? Yep.\n\nYep. Perfect. So I can see here there's two contributions that have been made in the last twelve months. So one is for five $100, and one is for $300. They were both made in January.\n\nHow much have have you asked your employer to contribute out of your pay on a weekly basis? $100 a week. Okay. Perfect. Lovely.\n\nIt looks like one of those, he kept a little bit longer and had to put it in as a lump sum. But that's okay. They they can still do that. That's not a problem at all. Are you happy to keep it at the same amount, or did you wanna maybe look at increasing that if there's more of a benefit there, or you're happy just with a 100 dollars per week?\n\nMhmm. Yep. Perfect. Do you know roughly how much you're saving or have expendable income at the end of the week when you get your pay? Okay.\n\nYep. That you have available for, like, savings? Yep. Yep. Perfect.\n\nIf I did need to maybe look at increasing the salary sacrifice component, is there a level that you'd be comfortable increasing it to, or would you just be comfortable, you know, to help kind of meet your goals if we told you what you needed to do? Yeah. Another hundred per week. Yep. Perfect.\n\nPerfect. Excellent. I'll go and have a bit of a look at that for you. Obviously, we are also looking at holding some of the insurances outside of super. I'll be mindful of that, making sure that we're not eating away all your expendable income.\n\nSo I can look at holding cover outside of super versus maybe sales back and looking at the differences there for you and which could provide greater benefit. Okay? Perfect. Other assets I had here, I had your ETFs. You had about $620 in them when we spoke last year.\n\nHave you increased your investment into your ETF at all? Yep. That's okay. Do you know what is roughly valued at at the moment? Yeah.\n\nIt does. It does. Yeah. Yeah. Cool.\n\nI've also got your credit card down. It had a $7,500 limit. Do you still have the same limit on the card? Yeah. Beautiful.\n\nYour main primary residence and asset value there of 1,060,000, is that still the same, or do you think that would have changed? Oh, perfect. That's fantastic. I mean, it's always sad for the next generation trying to get in, but it's great for us to own property already. With your vehicle there, the BYD, I had an asset value for about 62,000.\n\nDo you think that value might have increased, decreased, or altered at all, or keep it the same? Yep. That's okay. What do you think you put on it? 75?\n\nPerfect. Excellent. I've got contents value of about 50,000. We'd keep that about the same, do you think? Beautiful.\n\nAnd your Mazda CX five at about 15,000? Yep. Beautiful. And that was incorporated into the home loan for purchasing. And then I've also got your bikes, plural, with an asset value combined of about 45,000.\n\nIs that fairly accurate? Yep. Perfect. All good. Now because we are looking at altering the insurances, it is really important that we do also maybe look at doing a pre assessment with you.\n\nIt has been a while since we've completed one. Is there maybe a day that one of my beautiful admin team could give you a call and run through a quick free assessment? Is this a couple of health questions to kind of understand what we can expect from altering the insurances and what sort of contracts might be offered for you? Yep. Yeah.\n\nThat's absolutely fine. We're here normally until about seven Queensland time, so our last calls are around about 6PM Queensland time to make it easier. Yep. Perfect. Is there a day this week or next probably?\n\nSorry. Next week that might suit you better. I'm so sorry. Any day for Friday? Perfect.\n\nWell, if I was to pop it in for maybe Monday, say, 6PM Queensland time, would that be okay, or did you want 05:00 Queensland time? Six would be better. Beautiful. Lovely. I've popped it in there.\n\nOne of my beautiful admin team will give you a call, run through a bit of a pre assessment there with you. I'll add a text message reminder so it sends you a message about half an hour prior just to remind you that I'll be giving you a call. If something pops up, please let me know. Once we've got the details of the pre assessment, I can do the research with my team, having a look at the insurance side of things. I'll come back and have a chat to you about those once I've got the insurances sorted, and then I'll go back and do the research on the super and the super funds there for you.\n\nI can also look at whether it's gonna be a better benefit for having a TBD or the income protection oh, sorry. The income sorry. The income protection or the trauma paid out of pocket as opposed to increasing salary sacrifice and sort of work out what to do there. Is there anything that I might have missed? Is that kind of everything that we're comfortable looking at the moment?\n\nYeah. Mhmm. Yep. Absolutely. That's a really good question.\n\nI have seen quite a lot on that as well. It essentially is that you in order for you to do that, you need to have what's called a self managed super fund. So it's a little bit more complex than what you have at the moment, but you can't actually have anything to do with the property. It's gotta be what's called an arm point transaction. One of the biggest things that we like to make sure everyone is aware that you can't access or use the property.\n\nGiven the way lending is structured with the self managed super fund is that you would have to have, with your super balance, a minimum of, say, a 20 or 30% deposit to be able to lend. So your balance is a little bit low. We normally don't recommend anyone open a self funded super fund until their balance is at least 300,000, either that by themselves or combined with someone else. The biggest thing to also consider is that as under a self managed super fund, it is exactly what is in the name. It is self managed.\n\nSo you become the trustee, which means you need to be more hands on, having a look at everything, dealing with your account a little bit closer. And it can be a bit more costly as well because there is a lot more to it, a lot more compliance. It's gotta be have it in tax return every year. It's gotta have an audit done on it. All these things that normally happen in a super fund where the trustee looks after, they would all be put more towards yourself, and you would have to do that.\n\nYou sorta have to pay out of the fund for those sorts of things. So it is a little bit more complex. As advisers, we can provide advice in that area for you, but I'd be sort of wanting to sort of build your super fund a little bit more in order to do that. The other thing I do like to bring up is when we are looking at lending in these sorts of trust structures, you are looking at a thirty year loan. So given you're 51 this year, is that right?\n\nYeah. Sorry. Just wanna make sure. I'm always cautious with everyone's age. I don't wanna make anyone older than they really are.\n\nEssentially, when we are looking at the lending aspect, when we buy for our main primary residence, we all normally have a thirty year loan. And we can normally, depending on the type of loan, be adding additional contributions into that. When we're looking at a self managed super fund, again, we do often look at a thirty year loan, but we can't be making additional contributions to pay the loan down faster. The way the loan is assessed is your employer contributions, any salary sacrifice you make between you and any other members of the fund. So we can't just pay money into it willy nilly to pay the loan down because it's all considered a contribution.\n\nSo there is a lot of rules and regulations around doing so. It is a great structure and can be really wonderful to have, but I do sort of find when you balance the sorry. Under that $300,000 mark and when we are older, like in our fifties, we maybe don't wanna work for the next thirty years, it can often be not the best sort of structure to look at. And often having a an investment property in your own name provides you greater tax benefits because we pay more tax in our own name than we do inside super as well. So yeah.\n\nPerfect. All good. But now, look, if you ever have more questions about that sort of thing, please come and let me know. It is something I really enjoy talking about, and we can advise in that area. Just because we can doesn't mean we're going to, but it is always, you know, able for you to come and have those conversations and ask because if they've seen something that's interesting for you.\n\nIf we're not sure what it is, we can go and investigate it and come up with some answers to help you out. Perfect. Oh, good. Yeah. No.\n\nThat's okay. That's not a problem at all. It's it's great that you brought it up. It's fantastic. You know?\n\nNow when you see those ads, you'd be like, I know what that is. No. Perfect. The only last thing I wanted to touch base on was the estate planning side of things. In the event of passing, so with your your super and your life insurance, I'm assuming you would like all of that paid to your wife.\n\nIs that right? Yeah. Perfect. And have you guys spoken to a source of that or had a will drawn up in the past at all? Yep.\n\nPerfect. Just having a quick look back at the last fax line we had from last year. So it says that you guys had it done in 2020. Is that right? That sounds about right.\n\nAll good. And it's all still fairly it would be fairly right to your circumstances or relevant? Yep. Yep. Perfect.\n\nAll good. Well, what we'll do is if it is a recommendation to alter or change the super fund, we'll make sure we also establish a recommendation for estate planning and the beneficiary nominations to make sure we're covering all your bases there. But other than that, that's everything I needed to go through. Oh, wait. Sorry.\n\nThe only other thing I had here was your risk profile. I do apologize. I missed that one. Last year, when we touched base, we did the risk profile questionnaire. You had come out as a high growth investor.\n\nObviously, the high growth investor is where you see that 90% invested in growth assets. You're trying to take on a bit more risk to or paying greater potential returns there. However, it is taking on a bit more risk. So you can see as your balance increases, market fluctuations that might see a dip that is magnified. Are you still comfortable looking at that high growth environment?\n\nDid you feel like you wanted to start reducing the risk level a bit? Well, having a look at things, the high growth environment does someone who has at least eight years before they're wanting to access their super. So having a look at things at the moment, even at the age of 60, you're 51 this year, you've still got about nine years. So you do fit within that category there. The likelihood of a negative return is one in every five years.\n\nAnd if we were to scroll down, say, reduce your risk to the growth portfolio, it has the same likelihood of negative return. With the average expected returns that we're looking for or trying to obtain with this sort of portfolio, we're looking to try and get about eight to 10% compounded on a yearly basis. So you are looking to get a bit more returns there. If you wanted to, we could start to maybe reduce the exposure. We've moved down to the growth portfolio, which has a 80% in those growth investments.\n\nWe're still trying to obtain greater potential returns, but it's just increasing the defensive component a bit and pulling back the risk level by about 10%. Realistically, if you're agent stage, you could stay in the high growth portfolio for one more year and sort of see how you're feeling, or we could start to pull you back a little bit. It just comes down to how you feel about the markets, the ups and downs, and your super as a whole. Yep. Perfect.\n\nNot a problem at all. Well, I can look at that separately managed account and other portfolios that keep that 90% growth investment, 10% defensive investment split for you. You're comfortable with that level? Yep. Beautiful.\n\nI can have a look at that. I'll go back and update the advice. And when we've got it fully ready to go after we've done the insurance side of things, then we can go through those recommendations together. I'll show that in your document. You can see what we're recommending, how and why, the advantages, the disadvantages, and the risks involved.\n\nAnd then as with all advice we provide, you get to decide whether you take all of it, some of it, or none of it. Does that sound okay? Yep. Perfect. Do you have any questions for me at all?\n\nBut I know I ask you everything under the sun, but is there anything you wanted to ask me at all? No. That's okay. If you find there is, please do let me know. Not a problem at all.\n\nAll good. Well, that's everything there. I've got you booked in for next Monday, which is the March 2 to have your pre assessment at 6PM. I've added a text message reminder there for you. In the meantime, I'll get cracking on this research for you, and we'll come back and have another conversation about the insurances after we've had a look at what we can do.\n\nOkay. Beautiful. Thank you so much for your time. I really appreciate it. If there is anything that pops up question wise, just let the team know.\n\nThey'll happily either find out if I'm available on the spot or book you in. They'll always ask. Okay? K. You see?\n\nMy pleasure, Christopher. Thank you so much for your time. Anytime. I'll talk to you soon. Thank you.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Christopher.","start":12.0,"end":12.799999,"sentiment":"neutral","sentiment_score":0.08567206561565399},{"text":"This is Dana from Okey Financial.","start":12.799999,"end":14.4,"sentiment":"neutral","sentiment_score":0.11127202461163203},{"text":"How are you this afternoon?","start":14.4,"end":15.62,"sentiment":"neutral","sentiment_score":0.16550830006599426},{"text":"I'm very well.","start":17.465,"end":18.265,"sentiment":"positive","sentiment_score":0.5713314414024353},{"text":"Thank you.","start":18.265,"end":18.664999,"sentiment":"positive","sentiment_score":0.6506658792495728}],"sentiment":"neutral","sentiment_score":0.26010243677430683,"num_words":18,"start":12.0,"end":18.664999},{"sentences":[{"text":"We had you booked in for a bit of a catch up this afternoon.","start":18.664999,"end":20.904999,"sentiment":"positive","sentiment_score":0.3366193622350693},{"text":"Is now still a good time there for you?","start":20.904999,"end":22.845,"sentiment":"neutral","sentiment_score":0.3144749038749271},{"text":"No worries.","start":24.585,"end":25.305,"sentiment":"neutral","sentiment_score":0.12872755900025368},{"text":"How's your day been so far?","start":25.305,"end":26.925,"sentiment":"neutral","sentiment_score":0.1257928671936194},{"text":"Yeah.","start":29.72,"end":29.8,"sentiment":"neutral","sentiment_score":0.19826290011405945}],"sentiment":"neutral","sentiment_score":0.2735443883575499,"num_words":32,"start":18.664999,"end":29.8},{"sentences":[{"text":"Oh, that's good.","start":29.8,"end":31.019999,"sentiment":"positive","sentiment_score":0.3930761218070984},{"text":"That's good.","start":31.16,"end":31.98,"sentiment":"positive","sentiment_score":0.4761650264263153},{"text":"Before we jump into the call, like, Christopher, just to let you know, we do record these calls for quality and training purposes.","start":32.12,"end":37.0,"sentiment":"neutral","sentiment_score":0.05013838523755903},{"text":"Are you happy for us to proceed with that?","start":37.0,"end":38.94,"sentiment":"neutral","sentiment_score":0.08475239492124981},{"text":"Beautiful.","start":40.614998,"end":41.015,"sentiment":"positive","sentiment_score":0.3810325264930725}],"sentiment":"neutral","sentiment_score":0.11654066735584485,"num_words":38,"start":29.8,"end":41.015},{"sentences":[{"text":"And we are discussing your personal information.","start":41.015,"end":43.015,"sentiment":"neutral","sentiment_score":0.12609264041696275},{"text":"So just going to do security with you.","start":43.015,"end":45.335,"sentiment":"neutral","sentiment_score":0.09825754072517157},{"text":"I'll just get you to confirm your full name, date of birth, and address there for me.","start":45.335,"end":48.875,"sentiment":"neutral","sentiment_score":0.09434930103666642},{"text":"Beautiful.","start":55.75,"end":56.15,"sentiment":"positive","sentiment_score":0.3918194770812988},{"text":"Thank you so much for that.","start":56.15,"end":57.61,"sentiment":"positive","sentiment_score":0.5668374200661978}],"sentiment":"neutral","sentiment_score":0.18116643394415194,"num_words":39,"start":41.015,"end":57.61},{"sentences":[{"text":"I had you booked in.","start":57.910004,"end":58.870003,"sentiment":"neutral","sentiment_score":0.2628496438264847},{"text":"One of the things we discussed when we did your annual review last year was doing a bit of a catch up early this year to sort of have a a bit more of a look at what your sleep has been doing and maybe look at reassessing things there for you.","start":58.870003,"end":69.075,"sentiment":"neutral","sentiment_score":0.09416750668046567},{"text":"We wanted to sort of touch base to let you know we had also, as of kind of late last year, noted that one of the investments has unfortunately not been performing as well, and we do definitely wanna, you know, be able to have a bit of a look at your goals and maybe update the advice there for you.","start":69.454994,"end":84.08,"sentiment":"neutral","sentiment_score":0.026353604114446483},{"text":"And definitely look at switching out some of the portfolios.","start":84.299995,"end":86.64,"sentiment":"neutral","sentiment_score":-0.013625498861074448},{"text":"Not sure if you've heard in the news or anything in relation to it, but you've got the Benelon Australian Equities in your super fund that you have a fairly a large holding of them as well.","start":86.86,"end":97.09499,"sentiment":"neutral","sentiment_score":-0.011439670657588018}],"sentiment":"neutral","sentiment_score":0.04399397342155377,"num_words":165,"start":57.910004,"end":97.09499},{"sentences":[{"text":"As of late last year, unfortunately, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market.","start":98.274994,"end":103.954994,"sentiment":"negative","sentiment_score":-0.3897600493260792},{"text":"They had to report on that.","start":103.954994,"end":105.235,"sentiment":"neutral","sentiment_score":-0.058156553034981094},{"text":"It came out, and then it meant that Bennelong had to reevaluate that portion of their investment.","start":105.235,"end":110.64,"sentiment":"neutral","sentiment_score":-0.03820891705725123},{"text":"I'd also meant that analysts were going back and reevaluating Bennelong as such.","start":110.94,"end":114.78,"sentiment":"neutral","sentiment_score":-0.029146183138856523},{"text":"So Bennelong, unfortunately, has seen a significant decline in your portfolio, and it's something that we want to obviously action and move out for you.","start":114.78,"end":122.655,"sentiment":"negative","sentiment_score":-0.3867444849014282}],"sentiment":"neutral","sentiment_score":-0.23452395667526416,"num_words":82,"start":98.274994,"end":122.655},{"sentences":[{"text":"But we wanted to have a bit of a chat with you first, make sure we're updating the advice and reviewing everything for you at the same time.","start":122.655,"end":129.395,"sentiment":"neutral","sentiment_score":0.0395877286126571},{"text":"Yeah.","start":131.455,"end":131.955,"sentiment":"neutral","sentiment_score":0.06753203272819519},{"text":"So what we wanted to do, obviously, is moving Van Along out, and the reason Van Along was initially put into your portfolio was to give you a little bit of active management there.","start":132.655,"end":140.62,"sentiment":"neutral","sentiment_score":0.10997465636362047},{"text":"Do you look at your super very often?","start":140.76,"end":142.92,"sentiment":"neutral","sentiment_score":0.05336425360292196},{"text":"Do you have a look at the investments or log in to Netwealth at all on a regular basis?","start":142.92,"end":147.18,"sentiment":"neutral","sentiment_score":0.03464488704737864}],"sentiment":"neutral","sentiment_score":0.066669929255214,"num_words":90,"start":122.655,"end":147.18},{"sentences":[{"text":"No?","start":147.92499,"end":148.42499,"sentiment":"neutral","sentiment_score":-0.07460714131593704},{"text":"Yeah.","start":154.885,"end":155.125,"sentiment":"neutral","sentiment_score":-0.03181976452469826},{"text":"No.","start":155.125,"end":155.44499,"sentiment":"neutral","sentiment_score":-0.1092344969511032},{"text":"That's okay.","start":155.44499,"end":156.245,"sentiment":"neutral","sentiment_score":-0.03208448365330696},{"text":"One of the things we did talk about in the annual review last year was maybe looking at Netwealth and seeing whether it was still an appropriate investment reevaluating.","start":156.245,"end":163.85,"sentiment":"neutral","sentiment_score":0.03479663526703571}],"sentiment":"neutral","sentiment_score":0.021449178018990683,"num_words":34,"start":147.92499,"end":163.85},{"sentences":[{"text":"Are you comfortable with me looking at Netwealth as well as other platforms that let us see if there's something cheaper that might sort of help benefit you long term?","start":165.83,"end":173.13,"sentiment":"neutral","sentiment_score":0.0974542036652565},{"text":"Yeah.","start":175.03,"end":175.35,"sentiment":"positive","sentiment_score":0.3847728371620178},{"text":"Fantastic.","start":175.35,"end":175.85,"sentiment":"positive","sentiment_score":0.7630593180656433},{"text":"Perfect.","start":176.07,"end":176.57,"sentiment":"positive","sentiment_score":0.7157349586486816},{"text":"Now as it is sort of mentioned, Bennelong is more of an active management component in there for you.","start":177.07501,"end":181.315,"sentiment":"neutral","sentiment_score":0.2794918566942215}],"sentiment":"neutral","sentiment_score":0.19418343271200472,"num_words":52,"start":165.83,"end":181.315},{"sentences":[{"text":"We have our investment committee have definitely meant to talk about what they wanna replace Bennelong with.","start":181.315,"end":186.27501,"sentiment":"neutral","sentiment_score":0.22282098496661468},{"text":"And because it is down at the moment, by moving all your investments out and replacing a few different things if we find there is a better portfolio for you can actually offset the CGT with the fact that Benelung is down.","start":186.27501,"end":198.37,"sentiment":"neutral","sentiment_score":0.12220304352896554},{"text":"So there is a bit of a benefit to that one.","start":198.37,"end":200.87,"sentiment":"neutral","sentiment_score":0.3214910240335898},{"text":"What I wanted to sort of also find out was as of, like, last year, one our investment committee had utilized I'm not sure if you've ever heard of BlackRock investment firm before, but our investment committee have met up with BlackRock, and they've actually built an SMA, which is a separately managed account.","start":201.57,"end":218.305,"sentiment":"neutral","sentiment_score":0.05863840990113439},{"text":"If you wanted us to, we can definitely look at whether that product would be suitable for you.","start":218.95999,"end":223.7,"sentiment":"neutral","sentiment_score":0.2911181284321679}],"sentiment":"neutral","sentiment_score":0.1469259597426674,"num_words":142,"start":181.315,"end":223.7},{"sentences":[{"text":"Essentially, what an SMA is, it's like a managed fund.","start":223.84,"end":226.72,"sentiment":"neutral","sentiment_score":0.09719187282025814},{"text":"And inside that managed fund, we invest in anywhere between 10 to 50 different investment options depending on what's happening.","start":226.72,"end":233.14,"sentiment":"neutral","sentiment_score":0.06794609148055315},{"text":"The main kind of benefit of having this SMA product would be inside that SMA, everything is passively managed as low cost index funds that are working towards your goals.","start":233.505,"end":243.105,"sentiment":"neutral","sentiment_score":0.3089816878239314},{"text":"But the benefit there is that if in the event something was to happen with an underlying investment, so, like, we have the issue with Bannalong that we have had recently occur, it essentially means that our investment committee can remove that investment without having to go through an updating advice.","start":243.105,"end":260.13,"sentiment":"neutral","sentiment_score":0.23286724222057006},{"text":"So it means that they can act a lot faster to remove underperforming investments.","start":260.13,"end":263.695,"sentiment":"neutral","sentiment_score":0.3282204770616123}],"sentiment":"neutral","sentiment_score":0.22457285779714584,"num_words":125,"start":223.84,"end":263.695},{"sentences":[{"text":"Or as markets change, because markets definitely do change and certain things become a really good investment opportunity, it means that the investment committee can make those changes on your behalf.","start":263.83502,"end":273.535,"sentiment":"positive","sentiment_score":0.3355218109584624},{"text":"The only sort of downside to having an SMA really is that you lose a bit of visibility, and that's kind of the reason I asked a bit more about whether you access or have a look at Netwealth at all.","start":274.075,"end":283.25998,"sentiment":"neutral","sentiment_score":-0.2804433801552145},{"text":"Because, essentially, if you were to look in your super funds, you would just see how much money you have and the product, the SMA that you're in, not the separately managed account that you're in.","start":283.25998,"end":291.495,"sentiment":"neutral","sentiment_score":-0.07670342953254779},{"text":"And you don't really see a lot in the way of the underlying investments.","start":291.57498,"end":294.535,"sentiment":"neutral","sentiment_score":-0.11583941163761276},{"text":"That's all kinda happening in the background.","start":294.535,"end":296.395,"sentiment":"neutral","sentiment_score":-0.045103300895009725}],"sentiment":"neutral","sentiment_score":-0.044928688209417256,"num_words":129,"start":263.83502,"end":296.395},{"sentences":[{"text":"Would you like me to look at something like that, which is more passively managed, maybe lower cost for you, provide that sort of a benefit of being able to be moved around for you?","start":296.615,"end":305.675,"sentiment":"neutral","sentiment_score":0.17221636112247193},{"text":"Yeah.","start":307.9,"end":308.22,"sentiment":"neutral","sentiment_score":0.22114509344100952},{"text":"That would suit.","start":308.22,"end":309.2,"sentiment":"neutral","sentiment_score":0.29087063670158386},{"text":"Yeah.","start":311.34,"end":311.82,"sentiment":"neutral","sentiment_score":0.060415249317884445},{"text":"Beautiful.","start":311.82,"end":312.30002,"sentiment":"positive","sentiment_score":0.8071080446243286}],"sentiment":"neutral","sentiment_score":0.19485007162864615,"num_words":41,"start":296.615,"end":312.30002},{"sentences":[{"text":"I will I can also go out there, and I will also, you know, look at all the other options as well.","start":312.30002,"end":316.94,"sentiment":"neutral","sentiment_score":0.32826582206921145},{"text":"So whether we replace one option, maybe some other options there, whether we put you into the SMA, and I'll also reevaluate not only Netwealth, but all the different super funds for you.","start":316.94,"end":326.565,"sentiment":"neutral","sentiment_score":0.13909899793339497},{"text":"We can update the advice for you to reflect as well.","start":326.565,"end":329.385,"sentiment":"neutral","sentiment_score":0.22970168563452634},{"text":"That way, when we're ready, we'll come back.","start":329.685,"end":331.605,"sentiment":"neutral","sentiment_score":0.19243860989809036},{"text":"We'll show you the recommendations around what we're recommending, how, why, the advantages, disadvantages, and the risks involved so you can kinda take all that information before making your decision about whether you take on that advice.","start":331.605,"end":343.18,"sentiment":"neutral","sentiment_score":0.12678631807903987}],"sentiment":"neutral","sentiment_score":0.18531023610282588,"num_words":111,"start":312.30002,"end":343.18},{"sentences":[{"text":"Is that okay?","start":343.18,"end":344.0,"sentiment":"neutral","sentiment_score":0.13576083133618036},{"text":"Yeah.","start":345.74,"end":346.06,"sentiment":"neutral","sentiment_score":0.2053121030330658},{"text":"Cool.","start":346.06,"end":346.38,"sentiment":"neutral","sentiment_score":0.2382965385913849},{"text":"Do you have any questions about that?","start":346.38,"end":347.82,"sentiment":"neutral","sentiment_score":0.12142352334090642},{"text":"I'm sorry.","start":347.82,"end":348.13998,"sentiment":"neutral","sentiment_score":-0.029438497498631477}],"sentiment":"neutral","sentiment_score":0.11728420028729099,"num_words":14,"start":343.18,"end":348.13998},{"sentences":[{"text":"It's quite a lot of information to go through, but do you have any questions there at all, Safa?","start":348.13998,"end":352.175,"sentiment":"neutral","sentiment_score":-0.03165883521892523},{"text":"No.","start":352.795,"end":353.295,"sentiment":"neutral","sentiment_score":-0.146220400929451},{"text":"No.","start":354.555,"end":355.055,"sentiment":"neutral","sentiment_score":-0.1804312765598297},{"text":"Uh-huh.","start":355.355,"end":355.435,"sentiment":"neutral","sentiment_score":-0.14140701293945312},{"text":"So this is something that we had sort of noticed and kinda come into play.","start":355.435,"end":358.475,"sentiment":"neutral","sentiment_score":-0.14063654591639838}],"sentiment":"neutral","sentiment_score":-0.08592229049552132,"num_words":37,"start":348.13998,"end":358.475},{"sentences":[{"text":"And as soon as we all kinda came back in January, we're like, right.","start":358.475,"end":360.96,"sentiment":"neutral","sentiment_score":-0.15312200146062033},{"text":"We need to figure this out.","start":360.96,"end":361.84,"sentiment":"neutral","sentiment_score":-0.23387209077676138},{"text":"We need to remove Ben along and find something else.","start":361.84,"end":364.16,"sentiment":"neutral","sentiment_score":-0.1596771262586117},{"text":"So it's just a matter of going through and having it chat to all the clients and working out what your goals and objectives are and how we can update the advice to reflect there for you as well.","start":364.16,"end":372.72,"sentiment":"neutral","sentiment_score":0.10698643286163226},{"text":"Okay?","start":372.72,"end":373.22,"sentiment":"neutral","sentiment_score":0.004055391997098923}],"sentiment":"neutral","sentiment_score":-0.013816936487065895,"num_words":70,"start":358.475,"end":373.22},{"sentences":[{"text":"Yeah.","start":375.935,"end":376.435,"sentiment":"neutral","sentiment_score":-0.04854607582092285},{"text":"At the moment, Benelon, in your portfolio is down by about 20%.","start":377.935,"end":381.955,"sentiment":"neutral","sentiment_score":-0.1519381602605184},{"text":"The returns as a dollar figure, it is down by $13,000.","start":382.575,"end":387.235,"sentiment":"neutral","sentiment_score":-0.1434720199216496},{"text":"Yeah.","start":387.54,"end":388.04,"sentiment":"neutral","sentiment_score":0.002486933022737503},{"text":"Not necessarily.","start":393.54,"end":394.36002,"sentiment":"neutral","sentiment_score":-0.09540378302335738}],"sentiment":"neutral","sentiment_score":-0.13475247596700987,"num_words":27,"start":375.935,"end":394.36002},{"sentences":[{"text":"That's just that one investment.","start":394.66,"end":395.96002,"sentiment":"neutral","sentiment_score":-0.058217554539442065},{"text":"It's showing the investment itself is down by 13,000.","start":396.02002,"end":399.22,"sentiment":"neutral","sentiment_score":-0.04487553921838602},{"text":"However, your other investments have done really well.","start":399.22,"end":402.035,"sentiment":"neutral","sentiment_score":0.2861167509108782},{"text":"So when we have a look at them individually, your physical gold is up by 53.06%.","start":402.035,"end":408.855,"sentiment":"neutral","sentiment_score":0.19762189500033855},{"text":"So that's the return in dollar figures of about 4,212 for the amount you have in physical gold.","start":408.995,"end":415.255,"sentiment":"neutral","sentiment_score":0.07953481458955342}],"sentiment":"neutral","sentiment_score":0.1104918457900307,"num_words":56,"start":394.66,"end":415.255},{"sentences":[{"text":"We've also got other investments that are up.","start":415.54,"end":417.62,"sentiment":"neutral","sentiment_score":0.27042815648019314},{"text":"Your European is up by 1,900.","start":417.62,"end":420.34,"sentiment":"positive","sentiment_score":0.38825444877147675},{"text":"You've also got Japan is up by over 1,700.","start":420.34,"end":424.18,"sentiment":"neutral","sentiment_score":0.3144264651669396},{"text":"The S and P 500 is up over 1,700 there as well.","start":424.18,"end":427.38,"sentiment":"positive","sentiment_score":0.34653722246487934},{"text":"So all in all, your portfolio is doing really well.","start":427.38,"end":430.345,"sentiment":"positive","sentiment_score":0.6888512939214706}],"sentiment":"positive","sentiment_score":0.4082166608836916,"num_words":45,"start":415.54,"end":430.345},{"sentences":[{"text":"You're not down by a whole lot.","start":430.345,"end":432.265,"sentiment":"neutral","sentiment_score":0.13971157371997833},{"text":"I can work it out for you to show you what the physical down is when I take away all the increases.","start":432.265,"end":440.925,"sentiment":"neutral","sentiment_score":0.12971448068591682},{"text":"That one there.","start":443.64,"end":444.44,"sentiment":"neutral","sentiment_score":-0.032448949913183846},{"text":"Sorry.","start":444.44,"end":444.76,"sentiment":"neutral","sentiment_score":-0.10758697986602785},{"text":"It won't be a second.","start":444.76,"end":445.82,"sentiment":"neutral","sentiment_score":-0.09815638065338135}],"sentiment":"neutral","sentiment_score":0.08252589100677717,"num_words":38,"start":430.345,"end":445.82},{"sentences":[{"text":"Two.","start":447.48,"end":447.98,"sentiment":"neutral","sentiment_score":-0.021834980696439743},{"text":"Alright.","start":450.2,"end":450.52,"sentiment":"neutral","sentiment_score":-0.01163263153284788},{"text":"Sorry.","start":450.52,"end":451.02,"sentiment":"neutral","sentiment_score":-0.07467319071292877},{"text":"My computer is a little bit slow at the moment.","start":451.8,"end":453.8,"sentiment":"neutral","sentiment_score":-0.2690497308969498},{"text":"I do apologize about that.","start":453.8,"end":455.34,"sentiment":"neutral","sentiment_score":-0.16051553189754486}],"sentiment":"neutral","sentiment_score":-0.20006754285552436,"num_words":18,"start":447.48,"end":455.34},{"sentences":[{"text":"536242.","start":462.965,"end":465.14502,"sentiment":"neutral","sentiment_score":0.014511531218886375},{"text":"So all in all, the rest of your portfolio is showing a positive of that 9,575.","start":480.035,"end":486.195,"sentiment":"neutral","sentiment_score":0.12689726380631328},{"text":"So then we take away what you're slightly down by here, and it's a negative about $3,446.","start":486.195,"end":494.835,"sentiment":"neutral","sentiment_score":-0.1355248163728153},{"text":"So while spent along in that particular portfolio showing a negative of 13,000 there, over your entire portfolio, it's only down by about 3,400.","start":494.835,"end":504.01,"sentiment":"neutral","sentiment_score":-0.07107312247777979},{"text":"So the rest of your portfolios have more of a positive impact to limit the negative on that one.","start":504.01,"end":509.275,"sentiment":"neutral","sentiment_score":0.15425358712673187}],"sentiment":"neutral","sentiment_score":0.012545572593808174,"num_words":77,"start":462.965,"end":509.275},{"sentences":[{"text":"And one of the good things about utilizing that is we can utilize the loss that it has seen to offset any gains when we are reevaluating the portfolio.","start":509.415,"end":517.755,"sentiment":"neutral","sentiment_score":0.19491119836938792},{"text":"So your super fund essentially will have a limited tax liability to cover by maneuvering different things or changing super funds at the same time.","start":517.975,"end":526.28,"sentiment":"neutral","sentiment_score":0.2085193595290184},{"text":"Does that make sense?","start":526.28,"end":527.34,"sentiment":"neutral","sentiment_score":0.1516134049743414},{"text":"Yeah.","start":528.68005,"end":529.08,"sentiment":"neutral","sentiment_score":0.3084750175476074},{"text":"We can essentially use that to our advantage, and the good thing is the diversification has worked with other investments being up to offset majority of that loss there for you.","start":529.08,"end":539.56165,"sentiment":"positive","sentiment_score":0.42333738890386396}],"sentiment":"neutral","sentiment_score":0.27670884927113854,"num_words":90,"start":509.415,"end":539.56165},{"sentences":[{"text":"Okay?","start":539.56165,"end":539.615,"sentiment":"neutral","sentiment_score":0.11115097254514694},{"text":"Yeah.","start":539.615,"end":540.115,"sentiment":"neutral","sentiment_score":0.21331587433815},{"text":"Perfect.","start":540.255,"end":540.735,"sentiment":"positive","sentiment_score":0.47914889454841614},{"text":"Does that all make sense so far?","start":540.735,"end":542.435,"sentiment":"neutral","sentiment_score":0.2799087464809418},{"text":"Yep.","start":543.855,"end":544.355,"sentiment":"neutral","sentiment_score":0.23155492544174192}],"sentiment":"neutral","sentiment_score":0.2722301720218225,"num_words":11,"start":539.56165,"end":544.355},{"sentences":[{"text":"Perfect.","start":544.575,"end":545.075,"sentiment":"positive","sentiment_score":0.5867502093315125},{"text":"Perfect.","start":545.215,"end":545.715,"sentiment":"positive","sentiment_score":0.5731388926506042},{"text":"So having a bit of a look, I will definitely have a look at the estimated product there for you as well as the other options there.","start":546.575,"end":551.44,"sentiment":"positive","sentiment_score":0.3437803089618683},{"text":"It does take a couple of weeks to do it back and do the research.","start":551.44,"end":554.25995,"sentiment":"neutral","sentiment_score":0.08627663472046455},{"text":"Whilst we have sort of been look at this over the last couple of weeks there as well, Benelon has had a little bit of a rebound, so we certainly hope it does come back and provide more of a rebound in the interim there as well.","start":555.12,"end":565.45996,"sentiment":"neutral","sentiment_score":0.11543860357809574}],"sentiment":"neutral","sentiment_score":0.1885903443179124,"num_words":91,"start":544.575,"end":565.45996},{"sentences":[{"text":"The other thing that was really important to look at when we are looking at your super is your insurances because they are paid out of your super funds, so they do have a long term impact on your retirement there as well.","start":566.02496,"end":576.52496,"sentiment":"neutral","sentiment_score":0.07586874319023865},{"text":"When we kinda went through things in the annual review last year, you had your life in TPD.","start":577.385,"end":581.31,"sentiment":"neutral","sentiment_score":0.06612328336470658},{"text":"You were happy with the sum insured there of about 593,745.","start":581.31,"end":587.41003,"sentiment":"neutral","sentiment_score":0.20496828379956158},{"text":"Are you still happy to retain the life and TPD, not wanting to review that?","start":587.63,"end":591.23004,"sentiment":"neutral","sentiment_score":-0.010626197357972466},{"text":"Do you feel like that level of cover is still suitable?","start":591.23004,"end":593.57,"sentiment":"neutral","sentiment_score":-0.08708718554540114}],"sentiment":"neutral","sentiment_score":0.05703953243031794,"num_words":98,"start":566.02496,"end":593.57},{"sentences":[{"text":"Yeah.","start":595.875,"end":596.375,"sentiment":"neutral","sentiment_score":0.18285804986953735},{"text":"Yep.","start":596.515,"end":597.015,"sentiment":"neutral","sentiment_score":0.26066654920578003},{"text":"Perfect.","start":597.075,"end":597.575,"sentiment":"positive","sentiment_score":0.41076838970184326},{"text":"Just having a look at the details of fact find I have here from your annual review when we spoke last year.","start":597.955,"end":604.53503,"sentiment":"neutral","sentiment_score":0.143870088187131},{"text":"I have it noted down that your main primary residence there, you have a loan owing or had a loan owing, sorry, of about 300,000.","start":604.59503,"end":612.79,"sentiment":"neutral","sentiment_score":-0.0012132851779460907}],"sentiment":"neutral","sentiment_score":0.07978205598890781,"num_words":50,"start":595.875,"end":612.79},{"sentences":[{"text":"Has that been reduced since we last called out?","start":612.79,"end":615.52997,"sentiment":"neutral","sentiment_score":-0.06222248077392578},{"text":"That's okay.","start":619.91,"end":620.73,"sentiment":"neutral","sentiment_score":0.01391686126589775},{"text":"Is it rough that same?","start":621.43,"end":622.89,"sentiment":"neutral","sentiment_score":-0.07627437263727188},{"text":"Yeah.","start":625.83496,"end":626.33496,"sentiment":"neutral","sentiment_score":-0.027719616889953613},{"text":"Yep.","start":628.955,"end":629.27496,"sentiment":"neutral","sentiment_score":0.003495918121188879}],"sentiment":"neutral","sentiment_score":-0.05209800924381448,"num_words":18,"start":612.79,"end":629.27496},{"sentences":[{"text":"No.","start":629.27496,"end":629.595,"sentiment":"neutral","sentiment_score":-0.06498642265796661},{"text":"That's okay.","start":629.595,"end":630.235,"sentiment":"neutral","sentiment_score":-0.007781952619552612},{"text":"I can leave it roughly as is.","start":630.235,"end":631.675,"sentiment":"neutral","sentiment_score":0.03947098180651665},{"text":"It's just sort of having a bit of a guide there.","start":631.675,"end":634.015,"sentiment":"neutral","sentiment_score":0.018522002818909557},{"text":"In the event of, say, passing away, your life cover's paid out, which has that $5.93 sum insured, and that is indexed every year as well.","start":634.15497,"end":641.54,"sentiment":"neutral","sentiment_score":0.02734482202392358}],"sentiment":"neutral","sentiment_score":0.023626679752735382,"num_words":47,"start":629.27496,"end":641.54},{"sentences":[{"text":"So as it goes through renewal, that will increase.","start":641.54,"end":643.88,"sentiment":"neutral","sentiment_score":0.07324113738205698},{"text":"And then, also, your Netwealth Super balance is paid out there as well.","start":644.5,"end":647.69995,"sentiment":"neutral","sentiment_score":0.09340720910292405},{"text":"So having a look, when we sort of caught up last year I'm just going back to your account.","start":647.69995,"end":653.225,"sentiment":"neutral","sentiment_score":0.043809152355319576},{"text":"Your balance when we spoke yeah.","start":653.225,"end":654.745,"sentiment":"neutral","sentiment_score":0.039178116247057915},{"text":"And your review time was a hundred and fifty nine thousand five hundred and sixty seven.","start":654.745,"end":658.765,"sentiment":"neutral","sentiment_score":0.029817416099831462}],"sentiment":"neutral","sentiment_score":0.054253733406464257,"num_words":63,"start":641.54,"end":658.765},{"sentences":[{"text":"As of today's date, your super balance is a 165,849.","start":659.14496,"end":664.105,"sentiment":"neutral","sentiment_score":0.02957524824887514},{"text":"So while that all longs down a little bit, your balance is still increased over time with those other investment options.","start":664.105,"end":669.38,"sentiment":"neutral","sentiment_score":0.023141357249447277},{"text":"Okay.","start":669.52,"end":670.02,"sentiment":"neutral","sentiment_score":0.09108258038759232},{"text":"Beautiful.","start":671.12,"end":671.62,"sentiment":"positive","sentiment_score":0.5764825344085693},{"text":"So, essentially, if you passed away, the life cover is paid out.","start":672.4,"end":675.36005,"sentiment":"neutral","sentiment_score":0.10673266587158044}],"sentiment":"neutral","sentiment_score":0.06066840199960603,"num_words":45,"start":659.14496,"end":675.36005},{"sentences":[{"text":"You see the balance is paid on top of that.","start":675.36005,"end":677.28,"sentiment":"neutral","sentiment_score":0.15893705934286118},{"text":"Having a bit of a look at your assets and liabilities there, that can pay off your mortgage and then leave some additional income.","start":677.28,"end":684.84503,"sentiment":"neutral","sentiment_score":0.1807044167071581},{"text":"I've also got a a $54,000 loan there on your BYD.","start":685.065,"end":688.84503,"sentiment":"neutral","sentiment_score":0.06078469990329309},{"text":"Do you still have that one?","start":689.065,"end":690.60504,"sentiment":"neutral","sentiment_score":0.02357068145647645},{"text":"Yep.","start":692.10504,"end":692.425,"sentiment":"neutral","sentiment_score":0.03122000023722649}],"sentiment":"neutral","sentiment_score":0.13014523812139836,"num_words":52,"start":675.36005,"end":692.425},{"sentences":[{"text":"Yep.","start":692.425,"end":692.66504,"sentiment":"neutral","sentiment_score":0.04381650686264038},{"text":"And is the loan roughly still about the same?","start":692.66504,"end":694.585,"sentiment":"neutral","sentiment_score":0.01294924101481835},{"text":"Or yep.","start":694.585,"end":700.08,"sentiment":"neutral","sentiment_score":0.01884233858436346},{"text":"Yep.","start":702.30005,"end":702.80005,"sentiment":"neutral","sentiment_score":0.12082719802856444},{"text":"That's okay.","start":703.02,"end":703.84,"sentiment":"neutral","sentiment_score":0.19008732587099075}],"sentiment":"neutral","sentiment_score":0.04660308019568523,"num_words":15,"start":692.425,"end":703.84},{"sentences":[{"text":"Do you feel like the life and the super balance paid out would be sufficient for your family after covering those debts?","start":703.98004,"end":709.635,"sentiment":"neutral","sentiment_score":0.2148208740082654},{"text":"Or is there something particularly you wanted your life cover to pay out in the event of passing?","start":709.795,"end":714.055,"sentiment":"neutral","sentiment_score":0.018897393407920998},{"text":"That's okay.","start":716.03503,"end":716.755,"sentiment":"neutral","sentiment_score":0.23990950733423233},{"text":"Yep.","start":716.755,"end":716.995,"sentiment":"neutral","sentiment_score":0.18108609318733215},{"text":"Paying out debts and providing additional income for your family.","start":716.995,"end":719.895,"sentiment":"neutral","sentiment_score":0.19337416142225267}],"sentiment":"neutral","sentiment_score":0.14454451003024038,"num_words":53,"start":703.98004,"end":719.895},{"sentences":[{"text":"Yep.","start":719.955,"end":720.455,"sentiment":"neutral","sentiment_score":0.1337927281856537},{"text":"Beautiful.","start":721.635,"end":722.135,"sentiment":"positive","sentiment_score":0.4370605945587158},{"text":"With the TBD matter, as we kinda went through, TBD is paid out in the event of a permanent disability, and your super balance can be released in that instance as well.","start":722.67,"end":731.63,"sentiment":"neutral","sentiment_score":0.1527051469311118},{"text":"And you do have the same level or some insured as your life cover.","start":731.63,"end":735.23,"sentiment":"neutral","sentiment_score":0.14485070162585803},{"text":"Do you feel like that's fairly sufficient at all?","start":735.23,"end":737.57,"sentiment":"neutral","sentiment_score":0.1348139453265402}],"sentiment":"neutral","sentiment_score":0.15260795360071616,"num_words":57,"start":719.955,"end":737.57},{"sentences":[{"text":"It's hard to tell, isn't it?","start":740.53503,"end":742.155,"sentiment":"neutral","sentiment_score":-0.17108560105164847},{"text":"Yeah.","start":743.575,"end":743.895,"sentiment":"neutral","sentiment_score":-0.0695645660161972},{"text":"It is really important as we kinda do go through with everyone.","start":743.895,"end":746.715,"sentiment":"neutral","sentiment_score":-0.05069239375491937},{"text":"In the event of a TBD benefit, unfortunately, there is taxes there.","start":746.93506,"end":751.17,"sentiment":"neutral","sentiment_score":-0.18717854345838228},{"text":"Tax is paid on the benefit.","start":751.57,"end":753.08997,"sentiment":"neutral","sentiment_score":-0.16448959956566492}],"sentiment":"neutral","sentiment_score":-0.13344505449404587,"num_words":37,"start":740.53503,"end":753.08997},{"sentences":[{"text":"It's including some insurance.","start":753.08997,"end":754.85,"sentiment":"neutral","sentiment_score":-0.12762126699090004},{"text":"So what happens with TBD is if you claim and successful with TBD, some insured of your insurance is paid to your super, and then you can draw it out from there.","start":754.85,"end":765.02997,"sentiment":"neutral","sentiment_score":-0.06592736876336858},{"text":"Unfortunately, it is a taxable payment, which I think is extremely wrong.","start":765.47504,"end":768.91504,"sentiment":"negative","sentiment_score":-0.5551081349452337},{"text":"I think if someone can never go back to work again due to disability, they should not have to pay tax on the amount.","start":768.91504,"end":773.735,"sentiment":"neutral","sentiment_score":-0.1112046545992295},{"text":"But the tax is paid up to 22%, unfortunately.","start":773.875,"end":776.935,"sentiment":"negative","sentiment_score":-0.35986441042688155}],"sentiment":"neutral","sentiment_score":-0.1875203690365141,"num_words":81,"start":753.08997,"end":776.935},{"sentences":[{"text":"As financial advisers, if in the event of a claim, we can set up, like, an income stream and find ways to be able to minimize the tax effect on you, but we just wanna make sure that we're, you know, honest and let you know what could be the occurrence there.","start":777.89996,"end":790.635,"sentiment":"neutral","sentiment_score":0.1829055633682471},{"text":"Did you want me to work out roughly what that might look like based on your current balance?","start":791.115,"end":795.695,"sentiment":"neutral","sentiment_score":0.06339549542301232},{"text":"Or yeah.","start":795.755,"end":800.335,"sentiment":"neutral","sentiment_score":0.07837033271789551},{"text":"That's okay.","start":800.47504,"end":801.455,"sentiment":"neutral","sentiment_score":0.15234481543302536},{"text":"Sorry.","start":802.155,"end":802.555,"sentiment":"neutral","sentiment_score":-0.050982311367988586}],"sentiment":"neutral","sentiment_score":0.147502082635959,"num_words":75,"start":777.89996,"end":802.555},{"sentences":[{"text":"What are we going?","start":802.555,"end":803.53503,"sentiment":"neutral","sentiment_score":-0.09370534867048264},{"text":"No.","start":806.70996,"end":807.20996,"sentiment":"neutral","sentiment_score":-0.1328374743461609},{"text":"That's okay.","start":807.67,"end":808.49,"sentiment":"neutral","sentiment_score":-0.02201421558856964},{"text":"It's one of the things I always say I talk to you about all the things you've never thought about in your entire life.","start":808.55,"end":813.85,"sentiment":"neutral","sentiment_score":-0.062229137455384866},{"text":"So total balance there, so four twenty seven.","start":817.075,"end":819.895,"sentiment":"neutral","sentiment_score":0.04860594333149493}],"sentiment":"neutral","sentiment_score":-0.042470232114936106,"num_words":39,"start":802.555,"end":819.895},{"sentences":[{"text":"Sorry.","start":820.675,"end":821.075,"sentiment":"neutral","sentiment_score":-0.08436235785484314},{"text":"Just doing a little bit of quick math here for you.","start":821.075,"end":823.415,"sentiment":"neutral","sentiment_score":0.006563353606245734},{"text":"Four twenty seven eight nine five, and we'll do 22% of that.","start":824.515,"end":829.11,"sentiment":"neutral","sentiment_score":0.011977326590567827},{"text":"So it'd be roughly the tax on that full amount if deducted at the full 22% could be around about 94,136 based on current super balance and the sum insured, which if we took that away there.","start":832.70996,"end":845.50494,"sentiment":"neutral","sentiment_score":-0.006496978231479187},{"text":"So $94.94 $1.03 6.","start":845.50494,"end":852.32495,"sentiment":"neutral","sentiment_score":0.010937071638181806}],"sentiment":"neutral","sentiment_score":-0.0010011916478665976,"num_words":65,"start":820.675,"end":852.32495},{"sentences":[{"text":"Would leave you with an estimated amount of 333,759, which realistically would still cover the mortgage and would still leave a little bit of a buffer there.","start":863.36,"end":875.725,"sentiment":"neutral","sentiment_score":0.03879652006758584},{"text":"Did you wanna look at maybe altering the TPD benefit, or are you happy just to leave it as is at the moment at the moment with that information?","start":875.725,"end":882.545,"sentiment":"neutral","sentiment_score":-0.05011110598671025},{"text":"Or it is quite minimal when you think about that.","start":882.685,"end":888.64996,"sentiment":"negative","sentiment_score":-0.4618619717657566},{"text":"Obviously, the with the tax component there, it is quite high.","start":888.94995,"end":892.47,"sentiment":"negative","sentiment_score":-0.408845454454422},{"text":"And if you were to make a claim, we would definitely there are things that we can do.","start":892.47,"end":897.185,"sentiment":"neutral","sentiment_score":0.19243824978669485}],"sentiment":"neutral","sentiment_score":-0.06376576055037347,"num_words":95,"start":863.36,"end":897.185},{"sentences":[{"text":"We do provide advice to serve an income stream, which can limit the tax drawdown.","start":897.185,"end":901.84503,"sentiment":"neutral","sentiment_score":0.32036337355772654},{"text":"It can reduce that for you.","start":901.905,"end":903.42505,"sentiment":"neutral","sentiment_score":0.3244474033514659},{"text":"We can also do other things to provide an uplift and help to minimize the tax on that sort of things, but we just have to make sure that we're letting you know what the, you know, that it is up to 22% depending on, you know, what happens and what age you are.","start":903.42505,"end":917.92,"sentiment":"neutral","sentiment_score":0.16457991451197476},{"text":"Yeah.","start":917.92,"end":918.42,"sentiment":"neutral","sentiment_score":0.016896717250347137},{"text":"Completely up to you.","start":920.8,"end":921.84,"sentiment":"neutral","sentiment_score":0.05423114635050297}],"sentiment":"neutral","sentiment_score":0.1984158963721711,"num_words":80,"start":897.185,"end":921.84},{"sentences":[{"text":"Did you wanna look at maybe altering the TPD benefit?","start":921.84,"end":924.9,"sentiment":"neutral","sentiment_score":0.009611525386571885},{"text":"Yeah.","start":932.985,"end":933.305,"sentiment":"neutral","sentiment_score":0.05811402574181557},{"text":"That's okay.","start":933.305,"end":934.20496,"sentiment":"neutral","sentiment_score":0.12595520913600922},{"text":"So if in the event of a TPD claim, did you want to maybe look at covering the tax component and having the pay down paid after tax?","start":934.26495,"end":944.70996,"sentiment":"neutral","sentiment_score":0.042984301989365904},{"text":"Yep.","start":946.93,"end":947.25,"sentiment":"neutral","sentiment_score":0.11844316124916077}],"sentiment":"neutral","sentiment_score":0.041146269400737116,"num_words":42,"start":921.84,"end":947.25},{"sentences":[{"text":"Yep.","start":947.25,"end":947.57,"sentiment":"neutral","sentiment_score":0.2088688611984253},{"text":"Perfect.","start":947.57,"end":948.07,"sentiment":"positive","sentiment_score":0.6412913203239441},{"text":"And if you were TBD, they never go back to work again.","start":948.13,"end":952.07,"sentiment":"neutral","sentiment_score":0.0409277705475688},{"text":"What would you want the funds to pay out?","start":952.715,"end":954.47504,"sentiment":"neutral","sentiment_score":0.052548146496216454},{"text":"Because you're still living, and often on the TBD claim, people can have rehabilitation, might have to make modifications to the house, the car, things like that.","start":954.47504,"end":962.09503,"sentiment":"neutral","sentiment_score":0.03370552351353345}],"sentiment":"neutral","sentiment_score":0.05448551762849092,"num_words":50,"start":947.25,"end":962.09503},{"sentences":[{"text":"What would you want your TBD benefit to pay down for you if you could never go back to work again?","start":962.79504,"end":967.935,"sentiment":"neutral","sentiment_score":0.03523929975926876},{"text":"Yeah.","start":972.71,"end":973.03,"sentiment":"neutral","sentiment_score":0.027416257187724113},{"text":"So so as an example, some people might wanna have the mortgage completely paid off so they start off completely debt free and then maybe replace a couple of years of income replacement.","start":973.03,"end":982.57,"sentiment":"neutral","sentiment_score":0.02268032215987191},{"text":"One of the benefits to doing that is whilst your income might be I'm just having a look here.","start":983.355,"end":987.435,"sentiment":"neutral","sentiment_score":0.04502343876581443},{"text":"Sorry.","start":987.435,"end":987.675,"sentiment":"neutral","sentiment_score":-0.036709219217300415}],"sentiment":"neutral","sentiment_score":0.031128377343217533,"num_words":75,"start":962.79504,"end":987.675},{"sentences":[{"text":"I had your income as 83,700 and 50.","start":987.675,"end":990.975,"sentiment":"neutral","sentiment_score":-0.03415061056148261},{"text":"So if you were PPD, they're not able to get back to work again by paying off the mortgage, then you don't have that expense anymore.","start":991.195,"end":998.59,"sentiment":"neutral","sentiment_score":-0.005097342261041586},{"text":"So you could replace, you know, five, ten, or fifteen years worth of your income and actually get double that because you're not paying your regular mortgage or payments anymore.","start":998.59,"end":1006.67,"sentiment":"neutral","sentiment_score":0.12823443338274956},{"text":"So it allows you more expendable income.","start":1006.67,"end":1008.51,"sentiment":"neutral","sentiment_score":0.2325004381792886},{"text":"Does that make sense?","start":1008.51,"end":1009.57,"sentiment":"neutral","sentiment_score":0.1665591076016426}],"sentiment":"neutral","sentiment_score":0.07646715621153513,"num_words":75,"start":987.675,"end":1009.57},{"sentences":[{"text":"Yeah.","start":1011.255,"end":1011.755,"sentiment":"neutral","sentiment_score":-0.004389842972159386},{"text":"That's okay.","start":1013.575,"end":1014.53503,"sentiment":"neutral","sentiment_score":0.016283827368170023},{"text":"What's it that's okay.","start":1014.53503,"end":1016.935,"sentiment":"neutral","sentiment_score":-0.02301347893080674},{"text":"What's it now?","start":1016.935,"end":1017.655,"sentiment":"neutral","sentiment_score":0.0018255793256685138},{"text":"What do you want now?","start":1017.655,"end":1018.715,"sentiment":"neutral","sentiment_score":-0.0008669525384902954}],"sentiment":"neutral","sentiment_score":-0.004182275244966149,"num_words":15,"start":1011.255,"end":1018.715},{"sentences":[{"text":"$93,500.","start":1021.67004,"end":1023.03,"sentiment":"neutral","sentiment_score":0.03221007063984871},{"text":"Perfect.","start":1023.03,"end":1023.53,"sentiment":"positive","sentiment_score":0.5908483266830444},{"text":"Perfect.","start":1024.87,"end":1025.37,"sentiment":"positive","sentiment_score":0.6403820514678955},{"text":"I'll just update that for you.","start":1025.51,"end":1027.29,"sentiment":"positive","sentiment_score":0.3984762330849965},{"text":"Lovely.","start":1027.99,"end":1028.47,"sentiment":"positive","sentiment_score":0.6351197957992554}],"sentiment":"positive","sentiment_score":0.4289417643100023,"num_words":10,"start":1021.67004,"end":1028.47},{"sentences":[{"text":"Thank you for that.","start":1028.47,"end":1029.53,"sentiment":"positive","sentiment_score":0.665162518620491},{"text":"So thinking about the TPD benefit, what would you say you would like to maybe have paid out or covered?","start":1030.0701,"end":1035.85,"sentiment":"neutral","sentiment_score":0.09576070867478848},{"text":"Yep.","start":1042.285,"end":1042.785,"sentiment":"neutral","sentiment_score":0.04427234455943107},{"text":"Mhmm.","start":1048.62,"end":1049.12,"sentiment":"neutral","sentiment_score":0.053491972386837006},{"text":"Yeah.","start":1049.8201,"end":1050.14,"sentiment":"neutral","sentiment_score":0.062471091747283936}],"sentiment":"neutral","sentiment_score":0.1754110983952328,"num_words":27,"start":1028.47,"end":1050.14},{"sentences":[{"text":"That's okay.","start":1050.14,"end":1050.86,"sentiment":"neutral","sentiment_score":0.08962143957614899},{"text":"How many years income do you think you might want to suffice or cover for yourself?","start":1050.86,"end":1055.36,"sentiment":"neutral","sentiment_score":0.03400344995316118},{"text":"No.","start":1059.8201,"end":1060.06,"sentiment":"neutral","sentiment_score":-0.060175612568855286},{"text":"That's okay.","start":1060.06,"end":1060.88,"sentiment":"neutral","sentiment_score":-0.03935905359685421},{"text":"Yeah.","start":1061.295,"end":1061.4551,"sentiment":"neutral","sentiment_score":0.017420616000890732}],"sentiment":"neutral","sentiment_score":0.027355680665509266,"num_words":22,"start":1050.14,"end":1061.4551},{"sentences":[{"text":"That's okay.","start":1061.4551,"end":1062.3551,"sentiment":"neutral","sentiment_score":0.021056269761174917},{"text":"It's really no rule of thumb.","start":1064.3351,"end":1065.935,"sentiment":"neutral","sentiment_score":-0.0027700180265431604},{"text":"It really just comes down to what you're after, what you want, or what you would feel comfortable.","start":1065.935,"end":1070.1151,"sentiment":"neutral","sentiment_score":0.08318999202715026},{"text":"Just having a look here.","start":1070.8151,"end":1071.775,"sentiment":"neutral","sentiment_score":0.008386703208088875},{"text":"So you're married.","start":1071.775,"end":1072.5751,"sentiment":"neutral","sentiment_score":0.0009910740579168003}],"sentiment":"neutral","sentiment_score":0.04611232429605854,"num_words":34,"start":1061.4551,"end":1072.5751},{"sentences":[{"text":"Does your wife work at all?","start":1072.5751,"end":1074.3551,"sentiment":"neutral","sentiment_score":0.009679102959732214},{"text":"Yep.","start":1075.76,"end":1076.16,"sentiment":"neutral","sentiment_score":0.029504163190722466},{"text":"So if you were never able to get back to work again, do you think that and then, look, this is also the summiting depending on what the injury could be that would stop you from working.","start":1076.16,"end":1085.0599,"sentiment":"neutral","sentiment_score":-0.016391879148982668},{"text":"But do you think she might be able to still go to work, and what kind of income does she bring home?","start":1085.52,"end":1090.825,"sentiment":"neutral","sentiment_score":0.011942444877191023},{"text":"Yeah.","start":1094.885,"end":1095.385,"sentiment":"neutral","sentiment_score":0.04905911162495613}],"sentiment":"neutral","sentiment_score":-0.0030914604274639443,"num_words":67,"start":1072.5751,"end":1095.385},{"sentences":[{"text":"No.","start":1101.78,"end":1102.02,"sentiment":"neutral","sentiment_score":-0.1398434340953827},{"text":"That's okay.","start":1102.02,"end":1102.84,"sentiment":"neutral","sentiment_score":-0.06507041491568089},{"text":"If you like, what I could always do is I could get some quotes to find out what maybe five or ten years worth of income replacement like look like, and then I could always have that follow-up with you.","start":1103.62,"end":1114.0349,"sentiment":"neutral","sentiment_score":0.07942528706043958},{"text":"We could talk about what the costing of the quotes comes out like and what you're comfortable with.","start":1114.0349,"end":1118.195,"sentiment":"neutral","sentiment_score":0.05771682080295351},{"text":"In the meantime, you could have a think about what you're after.","start":1118.195,"end":1120.835,"sentiment":"neutral","sentiment_score":0.05885770730674267}],"sentiment":"neutral","sentiment_score":0.06372907507705362,"num_words":73,"start":1101.78,"end":1120.835},{"sentences":[{"text":"Does that sound okay?","start":1120.835,"end":1121.8949,"sentiment":"neutral","sentiment_score":0.09686109237372875},{"text":"Yep.","start":1123.7949,"end":1124.2949,"sentiment":"neutral","sentiment_score":0.10714169591665268},{"text":"Income replacement.","start":1124.4349,"end":1125.495,"sentiment":"neutral","sentiment_score":0.0686764232814312},{"text":"So I can look at five and ten years for you.","start":1125.5549,"end":1128.375,"sentiment":"neutral","sentiment_score":0.06750546463511208},{"text":"Because, I mean, the the benefit to having the cover is that it's there to protect you and provide a benefit in the event that something was to happen to you.","start":1129.39,"end":1136.35,"sentiment":"neutral","sentiment_score":0.148894002120341}],"sentiment":"neutral","sentiment_score":0.12224924670798439,"num_words":49,"start":1120.835,"end":1136.35},{"sentences":[{"text":"However, the more of a benefit you do have when it is paid out of super, it does also have an effect on your retirement income as well because it's it's, you know, can eat up some of your super or, you know, depending on your benefit, all of your super if you're, you know, paying too much in insurances.","start":1136.35,"end":1152.395,"sentiment":"neutral","sentiment_score":0.019021287529418864},{"text":"So it's a bit of a juggling ask with that one.","start":1152.695,"end":1155.275,"sentiment":"neutral","sentiment_score":-0.03518695367330855},{"text":"Yeah.","start":1157.37,"end":1157.85,"sentiment":"neutral","sentiment_score":0.03282952308654785},{"text":"That's okay.","start":1157.85,"end":1158.6699,"sentiment":"neutral","sentiment_score":0.06807730719447136},{"text":"I'm just having a quick look.","start":1159.5299,"end":1161.2899,"sentiment":"neutral","sentiment_score":0.03535758641858896}],"sentiment":"neutral","sentiment_score":0.014191880216822028,"num_words":80,"start":1136.35,"end":1161.2899},{"sentences":[{"text":"I don't seem to date of birth is missing out of my section here.","start":1161.2899,"end":1167.7899,"sentiment":"neutral","sentiment_score":-0.013713714799710683},{"text":"What's your date of birth again?","start":1167.85,"end":1169.63,"sentiment":"neutral","sentiment_score":-0.00116388697642833},{"text":"04/25/1975.","start":1173.405,"end":1175.9651,"sentiment":"neutral","sentiment_score":0.012545234523713589},{"text":"Beautiful.","start":1175.9651,"end":1176.4651,"sentiment":"positive","sentiment_score":0.5444297790527344},{"text":"Perfect.","start":1181.645,"end":1182.145,"sentiment":"positive","sentiment_score":0.5884544849395752}],"sentiment":"neutral","sentiment_score":0.04115018128093494,"num_words":23,"start":1161.2899,"end":1182.145},{"sentences":[{"text":"Do you find that you have much in the way of leftover funds at the end of the week or extendable income, or is everything going towards paying down your expenses, your mortgage, and your car loan?","start":1182.8301,"end":1193.5701,"sentiment":"neutral","sentiment_score":0.0790999827755464},{"text":"Yep.","start":1200.2051,"end":1200.7051,"sentiment":"neutral","sentiment_score":0.22512513399124143},{"text":"Perfect.","start":1201.005,"end":1201.505,"sentiment":"positive","sentiment_score":0.5986276865005493},{"text":"Yep.","start":1203.405,"end":1203.725,"sentiment":"neutral","sentiment_score":0.1799713969230652},{"text":"That's okay.","start":1203.725,"end":1204.4451,"sentiment":"neutral","sentiment_score":0.2969490587711334}],"sentiment":"neutral","sentiment_score":0.10772194518219858,"num_words":42,"start":1182.8301,"end":1204.4451},{"sentences":[{"text":"Because there are definitely some awesome benefits if you're open to to paying for a little bit of TBD out of your back pocket.","start":1204.4451,"end":1210.27,"sentiment":"neutral","sentiment_score":0.3233448192477226},{"text":"Are you open to paying for any of the cover maybe outside of super if there's a benefit to it for you, or did you wanna also have paid for inside super?","start":1210.57,"end":1218.65,"sentiment":"neutral","sentiment_score":0.09479859413113445},{"text":"What would be your preference?","start":1218.65,"end":1219.87,"sentiment":"neutral","sentiment_score":0.01763293147087097},{"text":"Yep.","start":1223.0651,"end":1223.5651,"sentiment":"neutral","sentiment_score":0.17069920897483826},{"text":"That's absolutely okay.","start":1224.265,"end":1225.885,"sentiment":"positive","sentiment_score":0.47146545847256977}],"sentiment":"neutral","sentiment_score":0.19180139870597765,"num_words":65,"start":1204.4451,"end":1225.885},{"sentences":[{"text":"Perfect.","start":1226.185,"end":1226.685,"sentiment":"neutral","sentiment_score":0.02175373025238514},{"text":"So what I'll do is I'll go back and I'll look at getting some quotes to increase the TBD component for you.","start":1227.225,"end":1232.905,"sentiment":"neutral","sentiment_score":0.16506361148574136},{"text":"I'll do the math to work at what the need is based on covering your mortgage, your car loan, consider the tax consequences, and income replacement of five to ten years.","start":1232.905,"end":1243.0,"sentiment":"neutral","sentiment_score":0.12358386021467947},{"text":"Then we can always work out whether you're comfortable with that or whether you wanna alter it moving forward.","start":1243.62,"end":1248.02,"sentiment":"neutral","sentiment_score":0.150680628458136},{"text":"Does that sound okay?","start":1248.02,"end":1249.1599,"sentiment":"neutral","sentiment_score":0.1654067598283291}],"sentiment":"neutral","sentiment_score":0.14297158220274883,"num_words":77,"start":1226.185,"end":1249.1599},{"sentences":[{"text":"Beautiful.","start":1251.235,"end":1251.735,"sentiment":"positive","sentiment_score":0.7276652455329895},{"text":"I can also look at because when we link life and TPD together, both so boosting up life and keeping it linked to TPD makes it more cost effective.","start":1251.9551,"end":1262.835,"sentiment":"positive","sentiment_score":0.4667056603678342},{"text":"Are you happy if I need you to make it more cost effective and cheaper, increase the life coverage to match the TBD benefit?","start":1262.835,"end":1270.36,"sentiment":"positive","sentiment_score":0.44524136061469716},{"text":"Yeah.","start":1272.42,"end":1272.92,"sentiment":"positive","sentiment_score":0.4869742691516876},{"text":"Perfect.","start":1273.46,"end":1273.96,"sentiment":"positive","sentiment_score":0.5830429196357727}],"sentiment":"positive","sentiment_score":0.46460605785250664,"num_words":56,"start":1251.235,"end":1273.96},{"sentences":[{"text":"The other thing I do have here is that you don't have any income protection.","start":1274.98,"end":1278.675,"sentiment":"neutral","sentiment_score":-0.15729344586531321},{"text":"I know we did kinda talk about this before.","start":1278.675,"end":1280.675,"sentiment":"neutral","sentiment_score":-0.09797258178393047},{"text":"You were comfortable in your annual review not seeking income protection.","start":1280.675,"end":1283.7351,"sentiment":"neutral","sentiment_score":-0.14808897064490753},{"text":"If you were not able to go to work in the short term due to illness or injury, do you have a lot of long service leave, annual leave, or sick leave that you could fall back on?","start":1284.275,"end":1292.46,"sentiment":"neutral","sentiment_score":-0.14851848741895274},{"text":"Yep.","start":1299.4199,"end":1299.8999,"sentiment":"neutral","sentiment_score":-0.009586803615093231}],"sentiment":"neutral","sentiment_score":-0.14220841792789665,"num_words":74,"start":1274.98,"end":1299.8999},{"sentences":[{"text":"No.","start":1299.8999,"end":1300.3999,"sentiment":"neutral","sentiment_score":-0.0819995179772377},{"text":"That's okay.","start":1300.46,"end":1301.2799,"sentiment":"neutral","sentiment_score":-0.027414076030254364},{"text":"How much sick leave do you think you might have?","start":1301.8999,"end":1304.0,"sentiment":"neutral","sentiment_score":-0.04669758826494217},{"text":"Six weeks?","start":1310.315,"end":1310.875,"sentiment":"neutral","sentiment_score":-0.015077569987624884},{"text":"Yep.","start":1310.875,"end":1311.275,"sentiment":"neutral","sentiment_score":0.03655799850821495}],"sentiment":"neutral","sentiment_score":-0.037337543384637684,"num_words":16,"start":1299.8999,"end":1311.275},{"sentences":[{"text":"That's okay.","start":1311.275,"end":1312.015,"sentiment":"neutral","sentiment_score":0.08773533627390862},{"text":"I know because, you know, given your age and the older we get, obviously, the insurances are more expensive as well.","start":1312.875,"end":1318.875,"sentiment":"neutral","sentiment_score":-0.06447644558336053},{"text":"But did you want me to look at what income protection might cost for you as well, or are you happy just with life and TBD?","start":1318.875,"end":1324.95,"sentiment":"neutral","sentiment_score":0.0122369691156424},{"text":"Yeah.","start":1328.5299,"end":1329.0299,"sentiment":"neutral","sentiment_score":0.15690214931964874},{"text":"Yeah.","start":1329.33,"end":1329.73,"sentiment":"neutral","sentiment_score":0.21790070831775665}],"sentiment":"neutral","sentiment_score":-0.009520992746247965,"num_words":51,"start":1311.275,"end":1329.73},{"sentences":[{"text":"Perfect.","start":1329.73,"end":1330.23,"sentiment":"positive","sentiment_score":0.5298492908477783},{"text":"I can do that.","start":1330.45,"end":1331.33,"sentiment":"neutral","sentiment_score":0.2946758922189474},{"text":"I'll just I can organize the quotes there for you, then we can always touch base again and have a really good chat about the outcome, what's expected, and you can let me know what you wanna proceed with.","start":1331.33,"end":1340.115,"sentiment":"positive","sentiment_score":0.48287210021263516},{"text":"Okay?","start":1340.115,"end":1340.615,"sentiment":"neutral","sentiment_score":0.1919102966785431},{"text":"Perfect.","start":1341.5549,"end":1342.0549,"sentiment":"positive","sentiment_score":0.6599783897399902}],"sentiment":"positive","sentiment_score":0.4650533359659755,"num_words":46,"start":1329.73,"end":1342.0549},{"sentences":[{"text":"Now I know on the topic of insurances, there is one other type of cover we do have touch base on.","start":1342.835,"end":1347.48,"sentiment":"neutral","sentiment_score":0.12427890868414015},{"text":"It is called trauma.","start":1347.48,"end":1348.62,"sentiment":"neutral","sentiment_score":0.07792844716459513},{"text":"So trauma tends to pay out a lump sum tax free benefit in the event of a traumatic condition.","start":1348.68,"end":1354.22,"sentiment":"neutral","sentiment_score":0.11636681776297719},{"text":"So things like cancers are probably the biggest one, neurological conditions, Parkinson's, diabetes.","start":1354.28,"end":1360.305,"sentiment":"neutral","sentiment_score":0.016126206502891503},{"text":"Did you wanna maybe look at getting some trauma as well, or are you happy just with the covers you can pay inside so far?","start":1360.525,"end":1366.7051,"sentiment":"neutral","sentiment_score":0.08895362064242363}],"sentiment":"neutral","sentiment_score":0.09226855620878135,"num_words":82,"start":1342.835,"end":1366.7051},{"sentences":[{"text":"Some trauma?","start":1369.485,"end":1370.305,"sentiment":"neutral","sentiment_score":0.03534081298857927},{"text":"Yep.","start":1370.365,"end":1370.765,"sentiment":"neutral","sentiment_score":0.15494418144226074},{"text":"Perfect.","start":1370.765,"end":1371.265,"sentiment":"positive","sentiment_score":0.3775870203971863},{"text":"In the event of, say, one of those traumatic diagnoses, is there a certain amount on a weekly or monthly basis you might be comfortable paying out of your back pocket, or did you want me to look at a certain level of cover?","start":1372.24,"end":1384.9,"sentiment":"neutral","sentiment_score":0.06294761615043337},{"text":"That's okay.","start":1389.935,"end":1390.755,"sentiment":"neutral","sentiment_score":-0.0902876928448677}],"sentiment":"neutral","sentiment_score":0.06384665105491877,"num_words":50,"start":1369.485,"end":1390.755},{"sentences":[{"text":"Yeah.","start":1391.8551,"end":1392.175,"sentiment":"neutral","sentiment_score":0.06204213201999664},{"text":"That's okay.","start":1392.175,"end":1392.9751,"sentiment":"neutral","sentiment_score":0.11736971884965897},{"text":"So trauma can be fairly cheap.","start":1392.9751,"end":1394.9751,"sentiment":"neutral","sentiment_score":0.10161168749133746},{"text":"If you like, what I could do is I could maybe look at one to two years worth of gross income for you.","start":1394.9751,"end":1401.235,"sentiment":"neutral","sentiment_score":0.13490379536929337},{"text":"And then when we come back and touch base, I can go through what the expected cost might look like, and you can let me know what your thoughts are there.","start":1401.43,"end":1408.63,"sentiment":"neutral","sentiment_score":0.1655591231200003}],"sentiment":"neutral","sentiment_score":0.145104314363192,"num_words":63,"start":1391.8551,"end":1408.63},{"sentences":[{"text":"Does that sound okay?","start":1408.63,"end":1409.77,"sentiment":"neutral","sentiment_score":0.17525748163461685},{"text":"Yeah.","start":1411.35,"end":1411.75,"sentiment":"neutral","sentiment_score":0.3184605836868286},{"text":"Perfect.","start":1411.75,"end":1412.15,"sentiment":"positive","sentiment_score":0.4173322021961212},{"text":"Sorry.","start":1412.15,"end":1412.39,"sentiment":"neutral","sentiment_score":0.0294828861951828},{"text":"As I said, I asked you all the questions you've never thought about.","start":1412.39,"end":1415.21,"sentiment":"neutral","sentiment_score":0.00244491661970432}],"sentiment":"neutral","sentiment_score":0.07490447573363782,"num_words":20,"start":1408.63,"end":1415.21},{"sentences":[{"text":"No.","start":1417.9149,"end":1418.315,"sentiment":"neutral","sentiment_score":-0.0051981545984745026},{"text":"You are absolutely fine.","start":1418.315,"end":1419.7549,"sentiment":"positive","sentiment_score":0.33414367586374283},{"text":"It's really good to have these conversations, and they keep revisiting them too because, I mean, what you sort of did or didn't want tomorrow or last year can definitely change in the future.","start":1419.7549,"end":1429.4349,"sentiment":"neutral","sentiment_score":0.32214797814102736},{"text":"So it's always good to revisit things.","start":1429.4349,"end":1431.36,"sentiment":"positive","sentiment_score":0.3888689322131021},{"text":"It also tends to open up the thought process and what it is that you're actually after, what you want, and your goals can change, which is really important to revisit too.","start":1431.6,"end":1438.7999,"sentiment":"neutral","sentiment_score":0.1925580312963575}],"sentiment":"neutral","sentiment_score":0.27138906836700744,"num_words":78,"start":1417.9149,"end":1438.7999},{"sentences":[{"text":"So it's good to have these conversations.","start":1438.7999,"end":1440.74,"sentiment":"positive","sentiment_score":0.43211234893117634},{"text":"Yeah.","start":1441.12,"end":1441.62,"sentiment":"positive","sentiment_score":0.380889892578125},{"text":"Perfect.","start":1443.04,"end":1443.54,"sentiment":"positive","sentiment_score":0.5902998447418213},{"text":"Now with income protection, again, you can pay it both inside and outside of super.","start":1443.6799,"end":1448.7051,"sentiment":"neutral","sentiment_score":0.2148948093255361},{"text":"If you pay some of your income protection or all of it outside of super, because you are protecting your income, you can claim a tax deduction on the premiums paid.","start":1448.7051,"end":1459.045,"sentiment":"neutral","sentiment_score":0.188594359784357}],"sentiment":"neutral","sentiment_score":0.237560426782478,"num_words":55,"start":1438.7999,"end":1459.045},{"sentences":[{"text":"Did you want me to look at that all inside Super, or are you happy to pay a little bit of income protection outside of Super out of your back pocket?","start":1459.25,"end":1466.2301,"sentiment":"neutral","sentiment_score":0.1218511036807491},{"text":"Yep.","start":1469.49,"end":1469.99,"sentiment":"neutral","sentiment_score":0.09978245943784714},{"text":"Yep.","start":1471.0901,"end":1471.49,"sentiment":"neutral","sentiment_score":0.17109355330467224},{"text":"Perfect.","start":1471.49,"end":1471.99,"sentiment":"positive","sentiment_score":0.5473372936248779},{"text":"I can have a look at those for you.","start":1472.05,"end":1473.9701,"sentiment":"positive","sentiment_score":0.42014432615704006}],"sentiment":"neutral","sentiment_score":0.19481154548567395,"num_words":43,"start":1459.25,"end":1473.9701},{"sentences":[{"text":"Beautiful.","start":1473.9701,"end":1474.4701,"sentiment":"positive","sentiment_score":0.6638129353523254},{"text":"What I can even do is once I've kinda got the quotes there, I can always send them to you via email, and then I can book in a time just to catch up with you as well, and we can go through and talk about the email.","start":1474.8049,"end":1484.885,"sentiment":"neutral","sentiment_score":0.2480047345161438},{"text":"That way, you've seen it before I start throwing numbers at you.","start":1484.885,"end":1487.605,"sentiment":"neutral","sentiment_score":0.20705880348881087},{"text":"Does that sound like a good idea?","start":1487.605,"end":1489.145,"sentiment":"neutral","sentiment_score":0.20517428645065852},{"text":"Yep.","start":1489.285,"end":1489.785,"sentiment":"neutral","sentiment_score":0.0963527411222458}],"sentiment":"neutral","sentiment_score":0.24036693594593933,"num_words":69,"start":1473.9701,"end":1489.785},{"sentences":[{"text":"Perfect.","start":1491.14,"end":1491.64,"sentiment":"neutral","sentiment_score":0.3315085768699646},{"text":"The other things to think about with the income protection is what's called a waiting period.","start":1492.34,"end":1496.1,"sentiment":"neutral","sentiment_score":0.06185603444464505},{"text":"This is how long you can be off work or you need to be off work prior to making a claim.","start":1496.1,"end":1500.76,"sentiment":"neutral","sentiment_score":0.018642599206595195},{"text":"They start at four weeks, and it can it can be, like, thirty days, sixty days, ninety days.","start":1501.22,"end":1506.775,"sentiment":"neutral","sentiment_score":0.05843341247075134},{"text":"Do you feel like having a shorter waiting period so you can claim sooner might be beneficial?","start":1507.5549,"end":1512.375,"sentiment":"neutral","sentiment_score":0.06535026584477986}],"sentiment":"neutral","sentiment_score":0.05308843363229543,"num_words":73,"start":1491.14,"end":1512.375},{"sentences":[{"text":"Yep.","start":1514.595,"end":1514.97,"sentiment":"neutral","sentiment_score":0.09859448671340942},{"text":"Perfect.","start":1515.21,"end":1515.71,"sentiment":"neutral","sentiment_score":0.25203046202659607},{"text":"Thirty days.","start":1515.85,"end":1516.65,"sentiment":"neutral","sentiment_score":0.16982780024409294},{"text":"Beautiful.","start":1516.65,"end":1517.15,"sentiment":"positive","sentiment_score":0.3754029273986816},{"text":"And there's also a a that benefit period, which is essentially how long you can be on a claim for.","start":1517.9299,"end":1523.45,"sentiment":"neutral","sentiment_score":0.06320954728871583}],"sentiment":"neutral","sentiment_score":0.0931949768960476,"num_words":25,"start":1514.595,"end":1523.45},{"sentences":[{"text":"They start off at two years, five years, or all the way up to age 65.","start":1523.69,"end":1527.77,"sentiment":"neutral","sentiment_score":0.028303644619882107},{"text":"The longer the benefit period, the more expensive the insurance premiums are gonna be.","start":1527.77,"end":1532.105,"sentiment":"neutral","sentiment_score":-0.06207803849663053},{"text":"Do you feel like this two years would be comfortable, or would you like a five year benefit period?","start":1532.565,"end":1537.205,"sentiment":"neutral","sentiment_score":0.020102757834951933},{"text":"What would you like me to look at?","start":1537.205,"end":1538.9049,"sentiment":"neutral","sentiment_score":0.0012964780908077955},{"text":"I can look at two and five if you want.","start":1542.74,"end":1544.84,"sentiment":"neutral","sentiment_score":-0.01260583996772766}],"sentiment":"neutral","sentiment_score":-0.0022383343450961385,"num_words":67,"start":1523.69,"end":1544.84},{"sentences":[{"text":"Yep.","start":1546.74,"end":1547.22,"sentiment":"neutral","sentiment_score":0.16843055188655853},{"text":"Perfect.","start":1547.22,"end":1547.72,"sentiment":"positive","sentiment_score":0.6547858715057373},{"text":"All good.","start":1548.02,"end":1548.84,"sentiment":"positive","sentiment_score":0.6704978942871094},{"text":"I'll have a look at two years and five years for you, and then we can always come back and make the adjustments.","start":1548.98,"end":1554.28,"sentiment":"neutral","sentiment_score":0.2378872179466745},{"text":"Okay.","start":1554.66,"end":1555.16,"sentiment":"neutral","sentiment_score":0.1596086174249649}],"sentiment":"neutral","sentiment_score":0.27840095864874975,"num_words":28,"start":1546.74,"end":1555.16},{"sentences":[{"text":"Perfect.","start":1556.4651,"end":1556.9651,"sentiment":"positive","sentiment_score":0.4774020314216614},{"text":"Now other goals that I have here just so we are looking to update things.","start":1557.425,"end":1560.7051,"sentiment":"neutral","sentiment_score":0.13092237760623296},{"text":"I have it done that you were hoping to access super and retire at around the age 60.","start":1560.7051,"end":1564.7051,"sentiment":"neutral","sentiment_score":0.045540288711587586},{"text":"Is that still fair where you're hoping to stop working, or do you think that might have changed?","start":1564.7051,"end":1569.045,"sentiment":"neutral","sentiment_score":-0.05045643252217107},{"text":"Yeah.","start":1571.0901,"end":1571.4901,"sentiment":"neutral","sentiment_score":0.11702258139848708}],"sentiment":"neutral","sentiment_score":0.04659942808156868,"num_words":53,"start":1556.4651,"end":1571.4901},{"sentences":[{"text":"That's okay.","start":1571.4901,"end":1572.13,"sentiment":"neutral","sentiment_score":0.2419823482632637},{"text":"We can work on that.","start":1572.13,"end":1573.17,"sentiment":"neutral","sentiment_score":0.2998855710029602},{"text":"Perfect.","start":1573.17,"end":1573.67,"sentiment":"positive","sentiment_score":0.55274897813797},{"text":"And in retirement income of about $1,000 a week, you're still working on that, or do you have a bit of a different goal for income wise?","start":1574.2101,"end":1581.43,"sentiment":"neutral","sentiment_score":0.07313765337069829},{"text":"Yep.","start":1585.505,"end":1585.9049,"sentiment":"neutral","sentiment_score":0.11534219980239868}],"sentiment":"neutral","sentiment_score":0.12850556584695974,"num_words":36,"start":1571.4901,"end":1585.9049},{"sentences":[{"text":"Perfect.","start":1585.9049,"end":1586.4049,"sentiment":"neutral","sentiment_score":0.28111448884010315},{"text":"And with Susan, your wife, is she older, younger than you, same age as you?","start":1586.865,"end":1591.7649,"sentiment":"neutral","sentiment_score":0.03620858117938042},{"text":"Same age?","start":1593.745,"end":1594.225,"sentiment":"neutral","sentiment_score":0.028308983892202377},{"text":"Beautiful.","start":1594.225,"end":1594.705,"sentiment":"neutral","sentiment_score":0.2803035378456116},{"text":"Is she hoping to retire about the same time?","start":1594.705,"end":1597.125,"sentiment":"neutral","sentiment_score":0.04530595594810115}],"sentiment":"neutral","sentiment_score":0.056032796989062,"num_words":28,"start":1585.9049,"end":1597.125},{"sentences":[{"text":"Okay.","start":1603.34,"end":1603.84,"sentiment":"neutral","sentiment_score":0.1156531423330307},{"text":"Yep.","start":1605.58,"end":1605.8201,"sentiment":"neutral","sentiment_score":0.05651877447962761},{"text":"That's okay.","start":1605.8201,"end":1606.3,"sentiment":"neutral","sentiment_score":0.09313497319817543},{"text":"Do you know roughly what her balance might be?","start":1606.3,"end":1608.48,"sentiment":"neutral","sentiment_score":0.02181562739941809},{"text":"Okay.","start":1611.515,"end":1611.915,"sentiment":"neutral","sentiment_score":0.15994542837142944}],"sentiment":"neutral","sentiment_score":0.05105199558394296,"num_words":14,"start":1603.34,"end":1611.915},{"sentences":[{"text":"Perfect.","start":1611.915,"end":1612.415,"sentiment":"positive","sentiment_score":0.42269110679626465},{"text":"Lovely.","start":1612.635,"end":1613.135,"sentiment":"positive","sentiment_score":0.38603049516677856},{"text":"And what kind of income is she on at the moment?","start":1613.595,"end":1615.935,"sentiment":"neutral","sentiment_score":0.0627441978590055},{"text":"Okay.","start":1621.275,"end":1621.74,"sentiment":"neutral","sentiment_score":0.17599213123321533},{"text":"Perfect.","start":1621.98,"end":1622.2,"sentiment":"neutral","sentiment_score":0.29732000827789307}],"sentiment":"neutral","sentiment_score":0.13148132786154748,"num_words":15,"start":1611.915,"end":1622.2},{"sentences":[{"text":"Just while I'm doing the research, because you are getting closer and closer, we do factor in the retirement aspect just as kinda showing you the long term effect of the advice and where we're kinda heading there.","start":1622.2,"end":1632.96,"sentiment":"neutral","sentiment_score":0.1425976112092796},{"text":"So it is really important when you do have a partner and a spouse that we do add some considerations for, you know, them to to as much of an extent as we possibly can for you.","start":1633.1,"end":1643.8251,"sentiment":"neutral","sentiment_score":0.15281859805455078},{"text":"Okay?","start":1643.8251,"end":1644.3251,"sentiment":"neutral","sentiment_score":0.06964903324842453},{"text":"Perfect.","start":1645.505,"end":1646.005,"sentiment":"positive","sentiment_score":0.4809038043022156},{"text":"Excellent.","start":1646.305,"end":1646.805,"sentiment":"neutral","sentiment_score":0.09888751059770584}],"sentiment":"neutral","sentiment_score":0.15028766284768397,"num_words":78,"start":1622.2,"end":1646.805},{"sentences":[{"text":"I've got your income up there to 93,500.","start":1647.425,"end":1650.485,"sentiment":"neutral","sentiment_score":0.2757095545530319},{"text":"You're not salary sacrificing or making any additional contributions at the moment at all?","start":1650.785,"end":1655.45,"sentiment":"neutral","sentiment_score":-0.027081808607493128},{"text":"Just super?","start":1657.83,"end":1658.47,"sentiment":"neutral","sentiment_score":0.2107209414243698},{"text":"Okay.","start":1658.47,"end":1658.71,"sentiment":"neutral","sentiment_score":0.04470014572143555},{"text":"So sorry.","start":1658.71,"end":1659.45,"sentiment":"neutral","sentiment_score":-0.04383397661149502}],"sentiment":"neutral","sentiment_score":0.08166685893579766,"num_words":27,"start":1647.425,"end":1659.45},{"sentences":[{"text":"Let me just go back to your account there.","start":1659.51,"end":1662.23,"sentiment":"neutral","sentiment_score":-0.02811786739362611},{"text":"I might have missed that.","start":1662.23,"end":1663.2699,"sentiment":"neutral","sentiment_score":-0.13813591748476028},{"text":"I do apologize.","start":1663.2699,"end":1664.09,"sentiment":"neutral","sentiment_score":-0.11306177824735641},{"text":"Let's have a look.","start":1664.71,"end":1665.7699,"sentiment":"neutral","sentiment_score":-0.020479995757341385},{"text":"Sorry.","start":1674.1749,"end":1674.495,"sentiment":"neutral","sentiment_score":-0.06305840611457825}],"sentiment":"neutral","sentiment_score":-0.06490473262965679,"num_words":22,"start":1659.51,"end":1674.495},{"sentences":[{"text":"Just logging back in.","start":1674.495,"end":1675.955,"sentiment":"neutral","sentiment_score":-0.04126741737127304},{"text":"There we go.","start":1677.0549,"end":1678.035,"sentiment":"neutral","sentiment_score":-0.013472987338900566},{"text":"Ah, there we go.","start":1687.98,"end":1688.62,"sentiment":"neutral","sentiment_score":0.00021594436839222908},{"text":"Salary sacrifice.","start":1688.62,"end":1689.6,"sentiment":"neutral","sentiment_score":-0.04186857491731644},{"text":"Okay.","start":1689.9,"end":1690.38,"sentiment":"neutral","sentiment_score":0.019141441211104393}],"sentiment":"neutral","sentiment_score":-0.01923004018941096,"num_words":14,"start":1674.495,"end":1690.38},{"sentences":[{"text":"So I've got looking at the last 12 there.","start":1690.38,"end":1695.345,"sentiment":"neutral","sentiment_score":0.007445719093084335},{"text":"K.","start":1703.805,"end":1704.205,"sentiment":"neutral","sentiment_score":0.025713885203003883},{"text":"So it looks like you've recently started contributing.","start":1704.205,"end":1707.3401,"sentiment":"neutral","sentiment_score":0.058934821747243404},{"text":"Is that right for salary sacrifice?","start":1707.4,"end":1709.02,"sentiment":"neutral","sentiment_score":0.023614735963443916},{"text":"Yep.","start":1713.24,"end":1713.74,"sentiment":"neutral","sentiment_score":0.09810512512922288}],"sentiment":"neutral","sentiment_score":0.03215989887714386,"num_words":25,"start":1690.38,"end":1713.74},{"sentences":[{"text":"Yep.","start":1713.9601,"end":1714.3601,"sentiment":"neutral","sentiment_score":0.15679873526096344},{"text":"Perfect.","start":1714.3601,"end":1714.8401,"sentiment":"positive","sentiment_score":0.41592201590538025},{"text":"So I can see here there's two contributions that have been made in the last twelve months.","start":1714.8401,"end":1719.16,"sentiment":"neutral","sentiment_score":0.16223076029735453},{"text":"So one is for five $100, and one is for $300.","start":1719.16,"end":1722.2549,"sentiment":"neutral","sentiment_score":0.08440394631840965},{"text":"They were both made in January.","start":1722.2549,"end":1725.695,"sentiment":"neutral","sentiment_score":0.10221789528926213}],"sentiment":"neutral","sentiment_score":0.13534429048498473,"num_words":36,"start":1713.9601,"end":1725.695},{"sentences":[{"text":"How much have have you asked your employer to contribute out of your pay on a weekly basis?","start":1725.9349,"end":1730.355,"sentiment":"neutral","sentiment_score":0.02279619862222009},{"text":"$100 a week.","start":1732.335,"end":1733.2949,"sentiment":"neutral","sentiment_score":0.04937224214275678},{"text":"Okay.","start":1733.2949,"end":1733.615,"sentiment":"neutral","sentiment_score":0.1916806399822235},{"text":"Perfect.","start":1733.615,"end":1734.115,"sentiment":"positive","sentiment_score":0.3812873661518097},{"text":"Lovely.","start":1734.4149,"end":1734.9149,"sentiment":"positive","sentiment_score":0.4952103793621063}],"sentiment":"neutral","sentiment_score":0.06777611196351548,"num_words":24,"start":1725.9349,"end":1734.9149},{"sentences":[{"text":"It looks like one of those, he kept a little bit longer and had to put it in as a lump sum.","start":1735.77,"end":1739.6901,"sentiment":"neutral","sentiment_score":0.19405719807202165},{"text":"But that's okay.","start":1739.6901,"end":1740.49,"sentiment":"neutral","sentiment_score":0.16763810813426971},{"text":"They they can still do that.","start":1740.49,"end":1741.6901,"sentiment":"neutral","sentiment_score":0.22371108333269754},{"text":"That's not a problem at all.","start":1741.6901,"end":1743.23,"sentiment":"neutral","sentiment_score":0.330021599928538},{"text":"Are you happy to keep it at the same amount, or did you wanna maybe look at increasing that if there's more of a benefit there, or you're happy just with a 100 dollars per week?","start":1743.4501,"end":1757.675,"sentiment":"neutral","sentiment_score":0.1819968717172742}],"sentiment":"neutral","sentiment_score":0.20063638579967905,"num_words":73,"start":1735.77,"end":1757.675},{"sentences":[{"text":"Mhmm.","start":1757.675,"end":1758.175,"sentiment":"neutral","sentiment_score":0.033519916236400604},{"text":"Yep.","start":1760.395,"end":1760.895,"sentiment":"neutral","sentiment_score":0.2436644732952118},{"text":"Perfect.","start":1761.115,"end":1761.615,"sentiment":"positive","sentiment_score":0.3652404546737671},{"text":"Do you know roughly how much you're saving or have expendable income at the end of the week when you get your pay?","start":1762.875,"end":1768.81,"sentiment":"neutral","sentiment_score":0.07334616974644038},{"text":"Okay.","start":1773.91,"end":1774.41,"sentiment":"neutral","sentiment_score":0.06857980787754059}],"sentiment":"neutral","sentiment_score":0.08881357615744626,"num_words":27,"start":1757.675,"end":1774.41},{"sentences":[{"text":"Yep.","start":1782.5651,"end":1783.0651,"sentiment":"neutral","sentiment_score":0.09351971745491028},{"text":"That you have available for, like, savings?","start":1784.165,"end":1786.425,"sentiment":"neutral","sentiment_score":0.07946938063417162},{"text":"Yep.","start":1788.725,"end":1789.225,"sentiment":"neutral","sentiment_score":-0.010613362304866314},{"text":"Yep.","start":1791.39,"end":1791.89,"sentiment":"neutral","sentiment_score":0.13685394823551178},{"text":"Perfect.","start":1792.03,"end":1792.53,"sentiment":"positive","sentiment_score":0.49700039625167847}],"sentiment":"neutral","sentiment_score":0.11573148764331233,"num_words":11,"start":1782.5651,"end":1792.53},{"sentences":[{"text":"If I did need to maybe look at increasing the salary sacrifice component, is there a level that you'd be comfortable increasing it to, or would you just be comfortable, you know, to help kind of meet your goals if we told you what you needed to do?","start":1792.99,"end":1805.09,"sentiment":"neutral","sentiment_score":0.06898597239827116},{"text":"Yeah.","start":1812.015,"end":1812.3351,"sentiment":"neutral","sentiment_score":0.0004002484492957592},{"text":"Another hundred per week.","start":1812.3351,"end":1813.615,"sentiment":"neutral","sentiment_score":-0.007439893903210759},{"text":"Yep.","start":1813.615,"end":1814.0951,"sentiment":"neutral","sentiment_score":0.09355219453573228},{"text":"Perfect.","start":1814.0951,"end":1814.5951,"sentiment":"neutral","sentiment_score":0.29267242550849915}],"sentiment":"neutral","sentiment_score":0.06669439941814,"num_words":55,"start":1792.99,"end":1814.5951},{"sentences":[{"text":"Perfect.","start":1817.9501,"end":1818.4501,"sentiment":"positive","sentiment_score":0.5301448106765747},{"text":"Excellent.","start":1819.4701,"end":1819.9501,"sentiment":"positive","sentiment_score":0.5948579907417297},{"text":"I'll go and have a bit of a look at that for you.","start":1819.9501,"end":1821.63,"sentiment":"positive","sentiment_score":0.35233940757237947},{"text":"Obviously, we are also looking at holding some of the insurances outside of super.","start":1821.63,"end":1825.7101,"sentiment":"neutral","sentiment_score":0.029004675602274283},{"text":"I'll be mindful of that, making sure that we're not eating away all your expendable income.","start":1825.7101,"end":1829.39,"sentiment":"neutral","sentiment_score":-0.017259559826925397}],"sentiment":"neutral","sentiment_score":0.12967394669022825,"num_words":45,"start":1817.9501,"end":1829.39},{"sentences":[{"text":"So I can look at holding cover outside of super versus maybe sales back and looking at the differences there for you and which could provide greater benefit.","start":1829.39,"end":1837.245,"sentiment":"neutral","sentiment_score":0.026701026063944613},{"text":"Okay?","start":1837.385,"end":1837.885,"sentiment":"neutral","sentiment_score":0.02872723527252674},{"text":"Perfect.","start":1839.065,"end":1839.565,"sentiment":"neutral","sentiment_score":0.17040005326271057},{"text":"Other assets I had here, I had your ETFs.","start":1840.585,"end":1843.165,"sentiment":"neutral","sentiment_score":0.04393203929066658},{"text":"You had about $620 in them when we spoke last year.","start":1843.2799,"end":1847.2799,"sentiment":"neutral","sentiment_score":0.02700776064937765}],"sentiment":"neutral","sentiment_score":0.0327845947816968,"num_words":50,"start":1829.39,"end":1847.2799},{"sentences":[{"text":"Have you increased your investment into your ETF at all?","start":1847.2799,"end":1850.1799,"sentiment":"neutral","sentiment_score":0.009298027865588665},{"text":"Yep.","start":1852.08,"end":1852.58,"sentiment":"neutral","sentiment_score":-0.08561214804649353},{"text":"That's okay.","start":1853.9199,"end":1854.72,"sentiment":"neutral","sentiment_score":-0.031626107171177864},{"text":"Do you know what is roughly valued at at the moment?","start":1854.72,"end":1857.1399,"sentiment":"neutral","sentiment_score":-0.024547892199321228},{"text":"Yeah.","start":1862.3151,"end":1862.8151,"sentiment":"neutral","sentiment_score":0.0012450162321329117}],"sentiment":"neutral","sentiment_score":-0.012986635267734527,"num_words":25,"start":1847.2799,"end":1862.8151},{"sentences":[{"text":"It does.","start":1863.275,"end":1863.675,"sentiment":"neutral","sentiment_score":0.004943005740642548},{"text":"It does.","start":1863.675,"end":1864.2351,"sentiment":"neutral","sentiment_score":-0.0074295843951404095},{"text":"Yeah.","start":1864.2351,"end":1864.7351,"sentiment":"neutral","sentiment_score":0.014693660661578178},{"text":"Yeah.","start":1865.515,"end":1865.675,"sentiment":"neutral","sentiment_score":0.05461601167917251},{"text":"Cool.","start":1865.675,"end":1866.175,"sentiment":"neutral","sentiment_score":0.11595994979143144}],"sentiment":"neutral","sentiment_score":0.025756637831883773,"num_words":7,"start":1863.275,"end":1866.175},{"sentences":[{"text":"I've also got your credit card down.","start":1866.7151,"end":1868.3151,"sentiment":"neutral","sentiment_score":0.05023790416972978},{"text":"It had a $7,500 limit.","start":1868.3151,"end":1870.555,"sentiment":"neutral","sentiment_score":0.008425687812268734},{"text":"Do you still have the same limit on the card?","start":1870.555,"end":1872.7351,"sentiment":"neutral","sentiment_score":-0.0019188041798770428},{"text":"Yeah.","start":1874.26,"end":1874.66,"sentiment":"neutral","sentiment_score":0.06714555621147156},{"text":"Beautiful.","start":1874.66,"end":1875.16,"sentiment":"neutral","sentiment_score":0.24307739734649655}],"sentiment":"neutral","sentiment_score":0.028534528333693743,"num_words":24,"start":1866.7151,"end":1875.16},{"sentences":[{"text":"Your main primary residence and asset value there of 1,060,000, is that still the same, or do you think that would have changed?","start":1875.86,"end":1884.4401,"sentiment":"neutral","sentiment_score":0.05250640148701875},{"text":"Oh, perfect.","start":1888.515,"end":1889.255,"sentiment":"neutral","sentiment_score":0.08868398889899254},{"text":"That's fantastic.","start":1891.155,"end":1892.055,"sentiment":"positive","sentiment_score":0.34810471534729004},{"text":"I mean, it's always sad for the next generation trying to get in, but it's great for us to own property already.","start":1892.755,"end":1898.055,"sentiment":"neutral","sentiment_score":-0.01693324168974703},{"text":"With your vehicle there, the BYD, I had an asset value for about 62,000.","start":1900.62,"end":1905.02,"sentiment":"neutral","sentiment_score":-0.012642853710401272}],"sentiment":"neutral","sentiment_score":0.024312593231332443,"num_words":63,"start":1875.86,"end":1905.02},{"sentences":[{"text":"Do you think that value might have increased, decreased, or altered at all, or keep it the same?","start":1905.02,"end":1909.36,"sentiment":"neutral","sentiment_score":-0.048787516127857894},{"text":"Yep.","start":1913.275,"end":1913.5951,"sentiment":"neutral","sentiment_score":0.04820119962096214},{"text":"That's okay.","start":1913.5951,"end":1914.3351,"sentiment":"neutral","sentiment_score":0.095168124884367},{"text":"What do you think you put on it?","start":1915.035,"end":1916.8151,"sentiment":"neutral","sentiment_score":0.012802873447071761},{"text":"75?","start":1920.4751,"end":1921.355,"sentiment":"neutral","sentiment_score":0.0159043837338686}],"sentiment":"neutral","sentiment_score":-0.01737701565337678,"num_words":30,"start":1905.02,"end":1921.355},{"sentences":[{"text":"Perfect.","start":1921.355,"end":1921.855,"sentiment":"neutral","sentiment_score":0.2843678593635559},{"text":"Excellent.","start":1922.235,"end":1922.735,"sentiment":"positive","sentiment_score":0.5136306285858154},{"text":"I've got contents value of about 50,000.","start":1923.275,"end":1925.915,"sentiment":"neutral","sentiment_score":0.25992629144872936},{"text":"We'd keep that about the same, do you think?","start":1925.915,"end":1927.83,"sentiment":"neutral","sentiment_score":0.17479348513815138},{"text":"Beautiful.","start":1929.4299,"end":1929.9099,"sentiment":"positive","sentiment_score":0.3835846781730652}],"sentiment":"neutral","sentiment_score":0.24074781960562655,"num_words":19,"start":1921.355,"end":1929.9099},{"sentences":[{"text":"And your Mazda CX five at about 15,000?","start":1929.9099,"end":1932.97,"sentiment":"neutral","sentiment_score":0.13725981023162603},{"text":"Yep.","start":1934.47,"end":1934.7899,"sentiment":"neutral","sentiment_score":0.15205535292625427},{"text":"Beautiful.","start":1934.7899,"end":1935.19,"sentiment":"positive","sentiment_score":0.43905338644981384},{"text":"And that was incorporated into the home loan for purchasing.","start":1935.19,"end":1939.9299,"sentiment":"neutral","sentiment_score":0.2188306987285614},{"text":"And then I've also got your bikes, plural, with an asset value combined of about 45,000.","start":1940.865,"end":1947.105,"sentiment":"neutral","sentiment_score":0.1010650903917849}],"sentiment":"neutral","sentiment_score":0.1526259904106458,"num_words":36,"start":1929.9099,"end":1947.105},{"sentences":[{"text":"Is that fairly accurate?","start":1947.105,"end":1948.325,"sentiment":"neutral","sentiment_score":0.10466128773987295},{"text":"Yep.","start":1950.305,"end":1950.785,"sentiment":"neutral","sentiment_score":0.1516337692737579},{"text":"Perfect.","start":1950.785,"end":1951.285,"sentiment":"positive","sentiment_score":0.4057483673095703},{"text":"All good.","start":1951.665,"end":1952.485,"sentiment":"positive","sentiment_score":0.42522674798965454},{"text":"Now because we are looking at altering the insurances, it is really important that we do also maybe look at doing a pre assessment with you.","start":1952.88,"end":1958.72,"sentiment":"neutral","sentiment_score":0.027903040441182945}],"sentiment":"neutral","sentiment_score":0.07505764220567311,"num_words":34,"start":1947.105,"end":1958.72},{"sentences":[{"text":"It has been a while since we've completed one.","start":1958.72,"end":1960.9,"sentiment":"neutral","sentiment_score":-0.022180640656087134},{"text":"Is there maybe a day that one of my beautiful admin team could give you a call and run through a quick free assessment?","start":1961.12,"end":1966.2351,"sentiment":"neutral","sentiment_score":0.05233086505904794},{"text":"Is this a couple of health questions to kind of understand what we can expect from altering the insurances and what sort of contracts might be offered for you?","start":1966.2351,"end":1974.9751,"sentiment":"neutral","sentiment_score":0.008740051103563145},{"text":"Yep.","start":1977.275,"end":1977.775,"sentiment":"neutral","sentiment_score":-0.024441679939627647},{"text":"Yeah.","start":1980.51,"end":1980.83,"sentiment":"neutral","sentiment_score":0.01937664858996868}],"sentiment":"neutral","sentiment_score":0.020386116346344352,"num_words":64,"start":1958.72,"end":1980.83},{"sentences":[{"text":"That's absolutely fine.","start":1980.83,"end":1982.11,"sentiment":"neutral","sentiment_score":0.14779406661788622},{"text":"We're here normally until about seven Queensland time, so our last calls are around about 6PM Queensland time to make it easier.","start":1982.11,"end":1989.49,"sentiment":"neutral","sentiment_score":0.026257302400402048},{"text":"Yep.","start":1990.27,"end":1990.755,"sentiment":"neutral","sentiment_score":0.054179221391677856},{"text":"Perfect.","start":1991.075,"end":1991.555,"sentiment":"neutral","sentiment_score":0.2199893742799759},{"text":"Is there a day this week or next probably?","start":1991.555,"end":1993.875,"sentiment":"neutral","sentiment_score":0.007571743490795295}],"sentiment":"neutral","sentiment_score":0.037871031659758754,"num_words":36,"start":1980.83,"end":1993.875},{"sentences":[{"text":"Sorry.","start":1993.875,"end":1994.195,"sentiment":"neutral","sentiment_score":-0.07479269802570343},{"text":"Next week that might suit you better.","start":1994.195,"end":1995.635,"sentiment":"neutral","sentiment_score":-0.06128586030432156},{"text":"I'm so sorry.","start":1995.635,"end":1996.455,"sentiment":"neutral","sentiment_score":-0.08431818087895711},{"text":"Any day for Friday?","start":2000.115,"end":2001.255,"sentiment":"neutral","sentiment_score":0.01454043434932828},{"text":"Perfect.","start":2001.3151,"end":2001.8151,"sentiment":"neutral","sentiment_score":0.12178847193717957}],"sentiment":"neutral","sentiment_score":-0.03604987834114581,"num_words":16,"start":1993.875,"end":2001.8151},{"sentences":[{"text":"Well, if I was to pop it in for maybe Monday, say, 6PM Queensland time, would that be okay, or did you want 05:00 Queensland time?","start":2002.035,"end":2011.07,"sentiment":"neutral","sentiment_score":0.023871203365090948},{"text":"Six would be better.","start":2012.8099,"end":2013.61,"sentiment":"positive","sentiment_score":0.3415217250585556},{"text":"Beautiful.","start":2013.61,"end":2014.11,"sentiment":"positive","sentiment_score":0.8334701061248779},{"text":"Lovely.","start":2015.77,"end":2016.1699,"sentiment":"positive","sentiment_score":0.8067351579666138},{"text":"I've popped it in there.","start":2016.1699,"end":2016.97,"sentiment":"positive","sentiment_score":0.3568712830543518}],"sentiment":"neutral","sentiment_score":0.1462513477591848,"num_words":37,"start":2002.035,"end":2016.97},{"sentences":[{"text":"One of my beautiful admin team will give you a call, run through a bit of a pre assessment there with you.","start":2016.97,"end":2020.9651,"sentiment":"neutral","sentiment_score":0.2236472496932203},{"text":"I'll add a text message reminder so it sends you a message about half an hour prior just to remind you that I'll be giving you a call.","start":2020.9651,"end":2026.7251,"sentiment":"neutral","sentiment_score":0.14623843878507614},{"text":"If something pops up, please let me know.","start":2026.7251,"end":2029.0651,"sentiment":"neutral","sentiment_score":0.07127148984000087},{"text":"Once we've got the details of the pre assessment, I can do the research with my team, having a look at the insurance side of things.","start":2029.3651,"end":2035.27,"sentiment":"neutral","sentiment_score":0.0870954069094016},{"text":"I'll come back and have a chat to you about those once I've got the insurances sorted, and then I'll go back and do the research on the super and the super funds there for you.","start":2035.27,"end":2043.6901,"sentiment":"neutral","sentiment_score":0.0872187086691459}],"sentiment":"neutral","sentiment_score":0.12491201491405567,"num_words":120,"start":2016.97,"end":2043.6901},{"sentences":[{"text":"I can also look at whether it's gonna be a better benefit for having a TBD or the income protection oh, sorry.","start":2044.0701,"end":2048.95,"sentiment":"neutral","sentiment_score":0.008315074278719047},{"text":"The income sorry.","start":2048.95,"end":2051.0352,"sentiment":"neutral","sentiment_score":-0.06497372811039288},{"text":"The income protection or the trauma paid out of pocket as opposed to increasing salary sacrifice and sort of work out what to do there.","start":2051.0352,"end":2057.915,"sentiment":"neutral","sentiment_score":-0.07967847228050232},{"text":"Is there anything that I might have missed?","start":2057.915,"end":2059.675,"sentiment":"neutral","sentiment_score":-0.07627693237736821},{"text":"Is that kind of everything that we're comfortable looking at the moment?","start":2059.675,"end":2063.055,"sentiment":"neutral","sentiment_score":0.01057901605963707}],"sentiment":"neutral","sentiment_score":-0.03553169462164598,"num_words":70,"start":2044.0701,"end":2063.055},{"sentences":[{"text":"Yeah.","start":2067.05,"end":2067.55,"sentiment":"neutral","sentiment_score":-0.0273517407476902},{"text":"Mhmm.","start":2071.77,"end":2072.27,"sentiment":"neutral","sentiment_score":-0.04609764739871025},{"text":"Yep.","start":2074.33,"end":2074.83,"sentiment":"neutral","sentiment_score":0.012964343652129172},{"text":"Absolutely.","start":2078.265,"end":2078.765,"sentiment":"neutral","sentiment_score":0.17898550629615784},{"text":"That's a really good question.","start":2078.825,"end":2079.865,"sentiment":"neutral","sentiment_score":0.2765300363302231}],"sentiment":"neutral","sentiment_score":0.16679451593922245,"num_words":9,"start":2067.05,"end":2079.865},{"sentences":[{"text":"I have seen quite a lot on that as well.","start":2079.865,"end":2081.885,"sentiment":"neutral","sentiment_score":0.0780774250626564},{"text":"It essentially is that you in order for you to do that, you need to have what's called a self managed super fund.","start":2082.185,"end":2087.465,"sentiment":"neutral","sentiment_score":-0.04750240177078092},{"text":"So it's a little bit more complex than what you have at the moment, but you can't actually have anything to do with the property.","start":2087.465,"end":2094.0398,"sentiment":"neutral","sentiment_score":-0.1369131800532341},{"text":"It's gotta be what's called an arm point transaction.","start":2094.0398,"end":2096.22,"sentiment":"neutral","sentiment_score":-0.11473706695768568},{"text":"One of the biggest things that we like to make sure everyone is aware that you can't access or use the property.","start":2097.0798,"end":2101.98,"sentiment":"neutral","sentiment_score":-0.23612142692912708}],"sentiment":"neutral","sentiment_score":-0.11193163467968782,"num_words":89,"start":2079.865,"end":2101.98},{"sentences":[{"text":"Given the way lending is structured with the self managed super fund is that you would have to have, with your super balance, a minimum of, say, a 20 or 30% deposit to be able to lend.","start":2103.185,"end":2114.885,"sentiment":"neutral","sentiment_score":0.07504157711927956},{"text":"So your balance is a little bit low.","start":2114.99,"end":2116.91,"sentiment":"neutral","sentiment_score":-0.17794662900269032},{"text":"We normally don't recommend anyone open a self funded super fund until their balance is at least 300,000, either that by themselves or combined with someone else.","start":2116.91,"end":2126.0498,"sentiment":"neutral","sentiment_score":-0.18765406200179346},{"text":"The biggest thing to also consider is that as under a self managed super fund, it is exactly what is in the name.","start":2126.43,"end":2132.9749,"sentiment":"neutral","sentiment_score":0.07925585106663081},{"text":"It is self managed.","start":2132.9749,"end":2134.015,"sentiment":"neutral","sentiment_score":0.16304889135062695}],"sentiment":"neutral","sentiment_score":-0.012511254673955417,"num_words":99,"start":2103.185,"end":2134.015},{"sentences":[{"text":"So you become the trustee, which means you need to be more hands on, having a look at everything, dealing with your account a little bit closer.","start":2134.015,"end":2140.895,"sentiment":"neutral","sentiment_score":0.06714313366898784},{"text":"And it can be a bit more costly as well because there is a lot more to it, a lot more compliance.","start":2140.895,"end":2145.54,"sentiment":"negative","sentiment_score":-0.3660195645960895},{"text":"It's gotta be have it in tax return every year.","start":2145.54,"end":2148.26,"sentiment":"neutral","sentiment_score":-0.2752105861902237},{"text":"It's gotta have an audit done on it.","start":2148.26,"end":2149.8599,"sentiment":"neutral","sentiment_score":-0.22619843669235706},{"text":"All these things that normally happen in a super fund where the trustee looks after, they would all be put more towards yourself, and you would have to do that.","start":2149.8599,"end":2158.435,"sentiment":"neutral","sentiment_score":-0.13628887658317884}],"sentiment":"neutral","sentiment_score":-0.15350438623698717,"num_words":97,"start":2134.015,"end":2158.435},{"sentences":[{"text":"You sorta have to pay out of the fund for those sorts of things.","start":2158.435,"end":2162.595,"sentiment":"neutral","sentiment_score":-0.2408473715186119},{"text":"So it is a little bit more complex.","start":2162.595,"end":2164.2952,"sentiment":"neutral","sentiment_score":-0.14753470849245787},{"text":"As advisers, we can provide advice in that area for you, but I'd be sort of wanting to sort of build your super fund a little bit more in order to do that.","start":2164.7551,"end":2173.23,"sentiment":"neutral","sentiment_score":-0.04316117095224785},{"text":"The other thing I do like to bring up is when we are looking at lending in these sorts of trust structures, you are looking at a thirty year loan.","start":2173.45,"end":2183.965,"sentiment":"neutral","sentiment_score":0.03523543489476045},{"text":"So given you're 51 this year, is that right?","start":2183.965,"end":2187.585,"sentiment":"neutral","sentiment_score":0.0512665059003565}],"sentiment":"neutral","sentiment_score":-0.04742550968806794,"num_words":94,"start":2158.435,"end":2187.585},{"sentences":[{"text":"Yeah.","start":2188.845,"end":2189.245,"sentiment":"neutral","sentiment_score":0.00927291065454483},{"text":"Sorry.","start":2189.245,"end":2189.565,"sentiment":"neutral","sentiment_score":-0.0953461527824402},{"text":"Just wanna make sure.","start":2189.565,"end":2190.285,"sentiment":"neutral","sentiment_score":-0.13574287295341492},{"text":"I'm always cautious with everyone's age.","start":2190.285,"end":2191.605,"sentiment":"neutral","sentiment_score":-0.24287339051564535},{"text":"I don't wanna make anyone older than they really are.","start":2191.605,"end":2193.93,"sentiment":"neutral","sentiment_score":-0.25970897227525713}],"sentiment":"neutral","sentiment_score":-0.21288067271763628,"num_words":22,"start":2188.845,"end":2193.93},{"sentences":[{"text":"Essentially, when we are looking at the lending aspect, when we buy for our main primary residence, we all normally have a thirty year loan.","start":2195.6099,"end":2202.25,"sentiment":"neutral","sentiment_score":0.08353117361664772},{"text":"And we can normally, depending on the type of loan, be adding additional contributions into that.","start":2202.25,"end":2207.085,"sentiment":"neutral","sentiment_score":0.07265352876856923},{"text":"When we're looking at a self managed super fund, again, we do often look at a thirty year loan, but we can't be making additional contributions to pay the loan down faster.","start":2207.325,"end":2215.665,"sentiment":"neutral","sentiment_score":0.004069027432706207},{"text":"The way the loan is assessed is your employer contributions, any salary sacrifice you make between you and any other members of the fund.","start":2215.885,"end":2224.26,"sentiment":"neutral","sentiment_score":0.003658552964528402},{"text":"So we can't just pay money into it willy nilly to pay the loan down because it's all considered a contribution.","start":2224.26,"end":2230.04,"sentiment":"neutral","sentiment_score":-0.02068429577740885}],"sentiment":"neutral","sentiment_score":0.02571508252866945,"num_words":118,"start":2195.6099,"end":2230.04},{"sentences":[{"text":"So there is a lot of rules and regulations around doing so.","start":2230.26,"end":2233.46,"sentiment":"neutral","sentiment_score":-0.0058844625018537045},{"text":"It is a great structure and can be really wonderful to have, but I do sort of find when you balance the sorry.","start":2233.46,"end":2239.685,"sentiment":"neutral","sentiment_score":0.255400969768348},{"text":"Under that $300,000 mark and when we are older, like in our fifties, we maybe don't wanna work for the next thirty years, it can often be not the best sort of structure to look at.","start":2239.685,"end":2250.325,"sentiment":"neutral","sentiment_score":-0.06756881360585491},{"text":"And often having a an investment property in your own name provides you greater tax benefits because we pay more tax in our own name than we do inside super as well.","start":2250.325,"end":2259.5798,"sentiment":"neutral","sentiment_score":-0.019371727015823126},{"text":"So yeah.","start":2259.5798,"end":2260.64,"sentiment":"neutral","sentiment_score":0.026714441366493702}],"sentiment":"neutral","sentiment_score":0.02671109602919647,"num_words":105,"start":2230.26,"end":2260.64},{"sentences":[{"text":"Perfect.","start":2263.5798,"end":2264.0798,"sentiment":"positive","sentiment_score":0.3431898355484009},{"text":"All good.","start":2265.0198,"end":2265.7598,"sentiment":"neutral","sentiment_score":0.33055204153060913},{"text":"But now, look, if you ever have more questions about that sort of thing, please come and let me know.","start":2266.2998,"end":2270.445,"sentiment":"neutral","sentiment_score":0.10074561517685651},{"text":"It is something I really enjoy talking about, and we can advise in that area.","start":2270.445,"end":2274.145,"sentiment":"neutral","sentiment_score":0.20121934016545615},{"text":"Just because we can doesn't mean we're going to, but it is always, you know, able for you to come and have those conversations and ask because if they've seen something that's interesting for you.","start":2275.405,"end":2284.3052,"sentiment":"neutral","sentiment_score":0.13529059759208134}],"sentiment":"neutral","sentiment_score":0.14757078411440328,"num_words":73,"start":2263.5798,"end":2284.3052},{"sentences":[{"text":"If we're not sure what it is, we can go and investigate it and come up with some answers to help you out.","start":2284.56,"end":2289.3,"sentiment":"neutral","sentiment_score":0.0732760238258735},{"text":"Perfect.","start":2291.28,"end":2291.78,"sentiment":"neutral","sentiment_score":0.09636636078357697},{"text":"Oh, good.","start":2292.24,"end":2293.06,"sentiment":"neutral","sentiment_score":-0.08765365555882454},{"text":"Yeah.","start":2295.36,"end":2295.86,"sentiment":"neutral","sentiment_score":0.08127403259277344},{"text":"No.","start":2296.24,"end":2296.48,"sentiment":"neutral","sentiment_score":0.023116860538721085}],"sentiment":"neutral","sentiment_score":0.061099946099732606,"num_words":28,"start":2284.56,"end":2296.48},{"sentences":[{"text":"That's okay.","start":2296.48,"end":2297.28,"sentiment":"neutral","sentiment_score":0.08233994245529175},{"text":"That's not a problem at all.","start":2297.28,"end":2298.56,"sentiment":"neutral","sentiment_score":0.2983286778132121},{"text":"It's it's great that you brought it up.","start":2298.56,"end":2299.935,"sentiment":"positive","sentiment_score":0.6601794213056564},{"text":"It's fantastic.","start":2299.935,"end":2300.375,"sentiment":"positive","sentiment_score":0.6349743604660034},{"text":"You know?","start":2300.375,"end":2301.0552,"sentiment":"neutral","sentiment_score":0.25842171162366867}],"sentiment":"positive","sentiment_score":0.4511439733207226,"num_words":20,"start":2296.48,"end":2301.0552},{"sentences":[{"text":"Now when you see those ads, you'd be like, I know what that is.","start":2301.0552,"end":2303.715,"sentiment":"neutral","sentiment_score":0.16498273078884398},{"text":"No.","start":2306.175,"end":2306.675,"sentiment":"neutral","sentiment_score":0.12538670003414154},{"text":"Perfect.","start":2307.135,"end":2307.635,"sentiment":"neutral","sentiment_score":0.2493032068014145},{"text":"The only last thing I wanted to touch base on was the estate planning side of things.","start":2308.095,"end":2313.875,"sentiment":"neutral","sentiment_score":0.08859015190426041},{"text":"In the event of passing, so with your your super and your life insurance, I'm assuming you would like all of that paid to your wife.","start":2314.38,"end":2323.18,"sentiment":"neutral","sentiment_score":0.012296769212788114}],"sentiment":"neutral","sentiment_score":0.07644401219973372,"num_words":59,"start":2301.0552,"end":2323.18},{"sentences":[{"text":"Is that right?","start":2323.18,"end":2324.0798,"sentiment":"neutral","sentiment_score":0.03661267583568891},{"text":"Yeah.","start":2325.5798,"end":2326.0598,"sentiment":"neutral","sentiment_score":0.21574696898460388},{"text":"Perfect.","start":2326.0598,"end":2326.5398,"sentiment":"positive","sentiment_score":0.470916211605072},{"text":"And have you guys spoken to a source of that or had a will drawn up in the past at all?","start":2326.5398,"end":2333.4548,"sentiment":"neutral","sentiment_score":0.08371155726767722},{"text":"Yep.","start":2333.515,"end":2333.835,"sentiment":"neutral","sentiment_score":0.09456318616867064}],"sentiment":"neutral","sentiment_score":0.09811137395876425,"num_words":27,"start":2323.18,"end":2333.835},{"sentences":[{"text":"Perfect.","start":2333.835,"end":2334.335,"sentiment":"neutral","sentiment_score":0.32237708568573},{"text":"Just having a quick look back at the last fax line we had from last year.","start":2334.555,"end":2337.9949,"sentiment":"neutral","sentiment_score":0.12279225885868073},{"text":"So it says that you guys had it done in 2020.","start":2337.9949,"end":2340.795,"sentiment":"neutral","sentiment_score":0.076638786630197},{"text":"Is that right?","start":2340.795,"end":2341.6948,"sentiment":"neutral","sentiment_score":0.10735050092140834},{"text":"That sounds about right.","start":2345.05,"end":2346.17,"sentiment":"neutral","sentiment_score":0.09928349312394857}],"sentiment":"neutral","sentiment_score":0.10997901016048023,"num_words":35,"start":2333.835,"end":2346.17},{"sentences":[{"text":"All good.","start":2346.17,"end":2346.73,"sentiment":"positive","sentiment_score":0.4236954599618912},{"text":"And it's all still fairly it would be fairly right to your circumstances or relevant?","start":2346.73,"end":2351.79,"sentiment":"neutral","sentiment_score":0.1553976650039355},{"text":"Yep.","start":2354.1848,"end":2354.345,"sentiment":"neutral","sentiment_score":0.11810429394245148},{"text":"Yep.","start":2354.345,"end":2354.825,"sentiment":"neutral","sentiment_score":0.1814941018819809},{"text":"Perfect.","start":2354.825,"end":2355.325,"sentiment":"positive","sentiment_score":0.4999431371688843}],"sentiment":"neutral","sentiment_score":0.19889487139880657,"num_words":20,"start":2346.17,"end":2355.325},{"sentences":[{"text":"All good.","start":2355.4648,"end":2356.1848,"sentiment":"positive","sentiment_score":0.47871172428131104},{"text":"Well, what we'll do is if it is a recommendation to alter or change the super fund, we'll make sure we also establish a recommendation for estate planning and the beneficiary nominations to make sure we're covering all your bases there.","start":2356.1848,"end":2367.0,"sentiment":"neutral","sentiment_score":0.09562470727577442},{"text":"But other than that, that's everything I needed to go through.","start":2367.56,"end":2370.6,"sentiment":"neutral","sentiment_score":0.006727605126798153},{"text":"Oh, wait.","start":2370.6,"end":2371.08,"sentiment":"neutral","sentiment_score":-0.010224845726042986},{"text":"Sorry.","start":2371.08,"end":2371.58,"sentiment":"neutral","sentiment_score":-0.06260569393634796}],"sentiment":"neutral","sentiment_score":0.08542078452413543,"num_words":57,"start":2355.4648,"end":2371.58},{"sentences":[{"text":"The only other thing I had here was your risk profile.","start":2371.8,"end":2374.62,"sentiment":"neutral","sentiment_score":-0.09719624438069084},{"text":"I do apologize.","start":2375.48,"end":2376.3,"sentiment":"neutral","sentiment_score":-0.10680118203163147},{"text":"I missed that one.","start":2376.44,"end":2377.48,"sentiment":"neutral","sentiment_score":-0.11670513451099396},{"text":"Last year, when we touched base, we did the risk profile questionnaire.","start":2377.48,"end":2380.36,"sentiment":"neutral","sentiment_score":-0.030916144760946434},{"text":"You had come out as a high growth investor.","start":2380.36,"end":2382.46,"sentiment":"neutral","sentiment_score":-0.020194743242528703}],"sentiment":"neutral","sentiment_score":-0.061772543554886795,"num_words":39,"start":2371.8,"end":2382.46},{"sentences":[{"text":"Obviously, the high growth investor is where you see that 90% invested in growth assets.","start":2383.1648,"end":2387.325,"sentiment":"neutral","sentiment_score":-0.018081007028619447},{"text":"You're trying to take on a bit more risk to or paying greater potential returns there.","start":2387.325,"end":2391.805,"sentiment":"neutral","sentiment_score":-0.08478758158162236},{"text":"However, it is taking on a bit more risk.","start":2391.805,"end":2393.9648,"sentiment":"neutral","sentiment_score":-0.18566165533330706},{"text":"So you can see as your balance increases, market fluctuations that might see a dip that is magnified.","start":2393.9648,"end":2400.26,"sentiment":"neutral","sentiment_score":-0.12735723041825825},{"text":"Are you still comfortable looking at that high growth environment?","start":2400.32,"end":2403.06,"sentiment":"neutral","sentiment_score":-0.07277166694402695}],"sentiment":"neutral","sentiment_score":-0.09292526655446957,"num_words":68,"start":2383.1648,"end":2403.06},{"sentences":[{"text":"Did you feel like you wanted to start reducing the risk level a bit?","start":2403.2002,"end":2406.4202,"sentiment":"neutral","sentiment_score":-0.21690684450524195},{"text":"Well, having a look at things, the high growth environment does someone who has at least eight years before they're wanting to access their super.","start":2409.76,"end":2416.915,"sentiment":"neutral","sentiment_score":-0.010997307375073434},{"text":"So having a look at things at the moment, even at the age of 60, you're 51 this year, you've still got about nine years.","start":2416.915,"end":2423.155,"sentiment":"neutral","sentiment_score":0.02859688825905323},{"text":"So you do fit within that category there.","start":2423.155,"end":2425.41,"sentiment":"neutral","sentiment_score":0.055549369659274817},{"text":"The likelihood of a negative return is one in every five years.","start":2426.6099,"end":2430.3699,"sentiment":"neutral","sentiment_score":-0.30095646157860756}],"sentiment":"neutral","sentiment_score":-0.06861653431717839,"num_words":84,"start":2403.2002,"end":2430.3699},{"sentences":[{"text":"And if we were to scroll down, say, reduce your risk to the growth portfolio, it has the same likelihood of negative return.","start":2430.3699,"end":2437.1099,"sentiment":"neutral","sentiment_score":-0.25791955577290576},{"text":"With the average expected returns that we're looking for or trying to obtain with this sort of portfolio, we're looking to try and get about eight to 10% compounded on a yearly basis.","start":2438.7952,"end":2448.715,"sentiment":"neutral","sentiment_score":-0.05947216100652109},{"text":"So you are looking to get a bit more returns there.","start":2448.715,"end":2451.375,"sentiment":"neutral","sentiment_score":-0.04658767140724442},{"text":"If you wanted to, we could start to maybe reduce the exposure.","start":2452.53,"end":2455.49,"sentiment":"neutral","sentiment_score":-0.0435098383265237},{"text":"We've moved down to the growth portfolio, which has a 80% in those growth investments.","start":2455.49,"end":2460.05,"sentiment":"neutral","sentiment_score":0.0018709287047386169}],"sentiment":"neutral","sentiment_score":-0.09469414479594598,"num_words":94,"start":2430.3699,"end":2460.05},{"sentences":[{"text":"We're still trying to obtain greater potential returns, but it's just increasing the defensive component a bit and pulling back the risk level by about 10%.","start":2460.05,"end":2468.945,"sentiment":"neutral","sentiment_score":-0.04775010425454149},{"text":"Realistically, if you're agent stage, you could stay in the high growth portfolio for one more year and sort of see how you're feeling, or we could start to pull you back a little bit.","start":2469.245,"end":2477.965,"sentiment":"neutral","sentiment_score":0.010173834541014263},{"text":"It just comes down to how you feel about the markets, the ups and downs, and your super as a whole.","start":2477.965,"end":2483.425,"sentiment":"neutral","sentiment_score":0.05247245817666962},{"text":"Yep.","start":2488.66,"end":2489.06,"sentiment":"neutral","sentiment_score":0.26020532846450806},{"text":"Perfect.","start":2489.06,"end":2489.56,"sentiment":"positive","sentiment_score":0.4046161472797394}],"sentiment":"neutral","sentiment_score":0.010491959473472975,"num_words":84,"start":2460.05,"end":2489.56},{"sentences":[{"text":"Not a problem at all.","start":2489.6199,"end":2491.0,"sentiment":"neutral","sentiment_score":0.1373700425028801},{"text":"Well, I can look at that separately managed account and other portfolios that keep that 90% growth investment, 10% defensive investment split for you.","start":2491.06,"end":2500.945,"sentiment":"neutral","sentiment_score":0.1203681252275904},{"text":"You're comfortable with that level?","start":2500.945,"end":2502.565,"sentiment":"neutral","sentiment_score":0.09389535635709763},{"text":"Yep.","start":2503.985,"end":2504.465,"sentiment":"neutral","sentiment_score":0.15451037883758545},{"text":"Beautiful.","start":2504.465,"end":2504.965,"sentiment":"positive","sentiment_score":0.4506646990776062}],"sentiment":"neutral","sentiment_score":0.12917602993547916,"num_words":36,"start":2489.6199,"end":2504.965},{"sentences":[{"text":"I can have a look at that.","start":2505.025,"end":2506.145,"sentiment":"neutral","sentiment_score":0.26191634365490507},{"text":"I'll go back and update the advice.","start":2506.145,"end":2507.585,"sentiment":"neutral","sentiment_score":0.16736542752810887},{"text":"And when we've got it fully ready to go after we've done the insurance side of things, then we can go through those recommendations together.","start":2507.585,"end":2513.97,"sentiment":"neutral","sentiment_score":0.13913192480802536},{"text":"I'll show that in your document.","start":2513.97,"end":2515.49,"sentiment":"neutral","sentiment_score":0.14487780382235846},{"text":"You can see what we're recommending, how and why, the advantages, the disadvantages, and the risks involved.","start":2515.49,"end":2520.79,"sentiment":"neutral","sentiment_score":0.09759632936295341}],"sentiment":"neutral","sentiment_score":0.14534959581590468,"num_words":62,"start":2505.025,"end":2520.79},{"sentences":[{"text":"And then as with all advice we provide, you get to decide whether you take all of it, some of it, or none of it.","start":2521.25,"end":2527.025,"sentiment":"neutral","sentiment_score":0.09751970931887627},{"text":"Does that sound okay?","start":2527.025,"end":2528.165,"sentiment":"neutral","sentiment_score":0.1797964945435524},{"text":"Yep.","start":2529.7449,"end":2530.2449,"sentiment":"neutral","sentiment_score":0.2741438150405884},{"text":"Perfect.","start":2530.385,"end":2530.865,"sentiment":"positive","sentiment_score":0.4962323307991028},{"text":"Do you have any questions for me at all?","start":2530.865,"end":2532.865,"sentiment":"neutral","sentiment_score":0.1557315703895357}],"sentiment":"neutral","sentiment_score":0.13322847476229072,"num_words":40,"start":2521.25,"end":2532.865},{"sentences":[{"text":"But I know I ask you everything under the sun, but is there anything you wanted to ask me at all?","start":2532.865,"end":2537.125,"sentiment":"neutral","sentiment_score":0.011054178256364096},{"text":"No.","start":2543.0598,"end":2543.54,"sentiment":"neutral","sentiment_score":-0.13374435901641846},{"text":"That's okay.","start":2543.54,"end":2544.42,"sentiment":"neutral","sentiment_score":-0.01730768196284771},{"text":"If you find there is, please do let me know.","start":2544.42,"end":2546.9,"sentiment":"neutral","sentiment_score":0.04605837091803551},{"text":"Not a problem at all.","start":2546.9,"end":2548.2,"sentiment":"neutral","sentiment_score":0.22356603741645814}],"sentiment":"neutral","sentiment_score":0.042107485043696866,"num_words":39,"start":2532.865,"end":2548.2},{"sentences":[{"text":"All good.","start":2548.66,"end":2549.4,"sentiment":"positive","sentiment_score":0.48637574911117554},{"text":"Well, that's everything there.","start":2549.78,"end":2550.98,"sentiment":"positive","sentiment_score":0.34459614753723145},{"text":"I've got you booked in for next Monday, which is the March 2 to have your pre assessment at 6PM.","start":2550.98,"end":2556.305,"sentiment":"neutral","sentiment_score":0.23454497382044792},{"text":"I've added a text message reminder there for you.","start":2556.305,"end":2558.385,"sentiment":"neutral","sentiment_score":0.13964685880475575},{"text":"In the meantime, I'll get cracking on this research for you, and we'll come back and have another conversation about the insurances after we've had a look at what we can do.","start":2558.385,"end":2566.785,"sentiment":"neutral","sentiment_score":0.1420638815034181}],"sentiment":"neutral","sentiment_score":0.19171494779302112,"num_words":67,"start":2548.66,"end":2566.785},{"sentences":[{"text":"Okay.","start":2566.785,"end":2567.285,"sentiment":"neutral","sentiment_score":0.15815897285938263},{"text":"Beautiful.","start":2569.43,"end":2569.91,"sentiment":"positive","sentiment_score":0.7593702077865601},{"text":"Thank you so much for your time.","start":2569.91,"end":2571.19,"sentiment":"positive","sentiment_score":0.8187630261693682},{"text":"I really appreciate it.","start":2571.19,"end":2572.15,"sentiment":"positive","sentiment_score":0.7826998978853226},{"text":"If there is anything that pops up question wise, just let the team know.","start":2572.15,"end":2575.91,"sentiment":"neutral","sentiment_score":0.26189717118229183}],"sentiment":"positive","sentiment_score":0.4980085315527739,"num_words":27,"start":2566.785,"end":2575.91},{"sentences":[{"text":"They'll happily either find out if I'm available on the spot or book you in.","start":2575.91,"end":2580.47,"sentiment":"neutral","sentiment_score":0.29657076199849447},{"text":"They'll always ask.","start":2580.47,"end":2581.53,"sentiment":"neutral","sentiment_score":0.20432977378368378},{"text":"Okay?","start":2581.5898,"end":2582.0898,"sentiment":"neutral","sentiment_score":0.20906250178813937},{"text":"K.","start":2583.525,"end":2583.765,"sentiment":"neutral","sentiment_score":0.30040425062179565},{"text":"You see?","start":2583.765,"end":2584.2449,"sentiment":"neutral","sentiment_score":0.22277837246656418}],"sentiment":"neutral","sentiment_score":0.2734806476668878,"num_words":22,"start":2575.91,"end":2584.2449},{"sentences":[{"text":"My pleasure, Christopher.","start":2584.2449,"end":2585.365,"sentiment":"positive","sentiment_score":0.6434297561645508},{"text":"Thank you so much for your time.","start":2585.365,"end":2586.905,"sentiment":"positive","sentiment_score":0.7934746486800057},{"text":"Anytime.","start":2589.2048,"end":2589.7048,"sentiment":"neutral","sentiment_score":0.2842690944671631},{"text":"I'll talk to you soon.","start":2590.005,"end":2591.125,"sentiment":"neutral","sentiment_score":0.30593692064285277},{"text":"Thank you.","start":2591.125,"end":2591.785,"sentiment":"positive","sentiment_score":0.5162458717823029}],"sentiment":"positive","sentiment_score":0.5739476250277625,"num_words":18,"start":2584.2449,"end":2591.785},{"sentences":[{"text":"See you later.","start":2592.9648,"end":2593.685,"sentiment":"neutral","sentiment_score":0.26370235284169513},{"text":"Bye.","start":2593.685,"end":2594.185,"sentiment":"neutral","sentiment_score":0.1564394235610962}],"sentiment":"neutral","sentiment_score":0.2368866205215454,"num_words":4,"start":2592.9648,"end":2594.185}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thanks. How are you? Yeah. It sure is. Yeah. It's a busy day, but it's over now, so that's good. Yeah. Yeah. That's fine. Yeah. Christopher John Rowe, 04/25/1975, and 15 Listed Hill Street, Charlotte Park. Yep. Yep. Yep. Yep. Yep. Okay. Okay. I I did at the start, and then, you know, I lost busy, and then you forget about it. Yeah. It said no. Good good answer. No. Yep. Yep. That's it. Yep. Okay. Mhmm. Mhmm. Yeah. I think so. Yep. Yeah. It would. Yeah. That's fine. Yep. 9 99 99 99 9 at this stage. Not alright. We're good. Yeah. Yeah. Probably my only question is how much money do I lose? Yep. Okay. So my super overall is down 13,000, is it? Okay. Yep. Yep. Yep. That's open. Okay. Okay. It does. Yeah. Yep. Mhmm. K. Yeah. It does. Yeah. Yep. Mhmm. Yep. Yeah. That's yeah. I think that's still suitable. That I'd have to check. Yeah. I mean, we haven't yeah. Mate, it it'll go down a little bit. Couldn't tell you, though. Not sure. Yeah. Yep. Okay. Mhmm. Okay. Yep. Mhmm. ID. Yep. Again, I would hope I was paid that down a little bit, but, yeah, probably the same with the interest. Yeah. No. That should be fine. Yep. Yep. Mhmm. No. I would hope so. It's hard to tell. Yeah. Mhmm. Okay. Yep. Yeah. You might as well. Yep. Sorry. I'm a bit vague. There's things you don't normally think about until you bring them up now, and you're like, oh, I don't know. Yeah. Yeah. Yeah. That's right. Mhmm. Mhmm. Mhmm. Yeah. It kinda doesn't stand enough, does it? Mhmm. Yeah. Okay. Yep. Okay. Yeah. I don't know enough about it. My instincts would tell me I probably should. Yep. Yes. That's good. Yep. And then what expenses would it I wanted to cover? Yep. Yep. Mhmm. Yeah. It's that income amount's wrong, but I'm a couple years out of day. Yep. $93,500 a year. Yep. That's alright. Yeah. Yeah. I mean, the mortgage paid off. Yeah. Now the debt I've got is the car loan, and then, yeah, I suppose a couple years income would be ideal. Yeah. Yeah. No. It's not something I've thought about. I don't know. But I need to get a thing. What what what do most people do? Yeah. Yeah. She does. Yep. Yep. Yeah. Well, she's on a good weekend. So Yeah. I don't know. I I got no idea. Yeah. Yeah. Yep. Mhmm. Yeah. That sounds good. Yep. Yeah. Mhmm. Yep. Okay. Yep. Okay. Alright. 04/25/1975. At the moment, yeah, we we do have disposable income. Yeah. That's combined to fill my life tonight. Yeah. Probably inside super, I think. Mhmm. Mhmm. Yeah. That sounds okay. Yep. Yep. That sounds good. I've got a bit of sick leave up. Holidays? No. Not really. I've just used them all. Yeah. Oh, I'd rather need this six weeks or so, I think. Yep. Yeah. Yeah. Maybe let's look at it. I think yeah. Yep. Okay. Yep. Actually, yeah. Okay. I should look at the trauma one. Yep. Again, I don't know. I don't know what I don't know what it it cost. Okay. Okay. Yeah. That sounds good. Yeah. I'm sorry. I have the handsets for him. Yep. Yeah. I suppose you guys tax savings is probably worth having a look at. Yep. Mhmm. Okay. Yeah. Sounds good to me. Yep. Yep. Mhmm. I think so. Yeah. Yep. Yep. Yeah. I don't know. Yeah. Let's do that. Yep. Okay. Yep. That's what I'm hoping for. Yeah. Yep. Yeah. I think that would be a goal. Yep. Yep. Same age as me. Yep. Yeah. Probably. She's got quite a lot more super than I do, so she's probably capable of doing it. Yep. It's about 400,000. She's on about 160 a year, I think. Yep. Mhmm. Yep. Okay. The Super AM. Yeah. Yep. That's right. Yeah. It's probably been about fifteen weeks been doing it. Yeah. Okay. Yeah. Yeah. A $100 a week. Yeah. Okay. Yep. Yeah. Yeah. Yeah. Yeah. I mean, like, obviously, there's a, like, a benefit to putting more in than I'm in a position I can. So It fluctuates in various week to week. I think it's it's probably about $5 a month. Yep. Yeah. Yeah. I mean, we're at the moment, we're currently just putting it straight onto the mortgage. So Yeah. I'd probably I'd be comfortable with another $100, I suppose. That's 2 100 dollars a week. Yep. Yep. Okay. Yep. Okay. No. I haven't put anymore in. It has grown, but I haven't put anymore in. That's $7.27 40, something like that. I know it changes daily. It's over 7 100. Yeah. No. It's about 1.4 now. It's the property around here has gone nuts. No. It's probably increased a little bit. I've made a couple of upgrades to it. And yeah. Probably about 75. Yep. Yeah. About the same. Yep. Yep. Yeah. I see it right. Yep. Mhmm. Yeah. We can do that. Probably, we'd have to be after five, though. Just wanna work. Yep. Okay. Yep. Yep. That would work. Next week. Any day, but Friday. Yep. Yep. Six would be better. Yep. Mhmm. Yeah. I did I did have a question. There's been a bit of stuff popping up recently about using your super to purchase investment properties and stuff like that. What's what's your opinion on that? Yeah. Mhmm. Okay. Yep. Mhmm. Okay. Mhmm. Yep. Mhmm. Yep. Okay. Yes. Yep. Mhmm. Yep. Hope that answers that question. Yep. Mhmm. K. I don't think I'll worry about that one, though, for now. So that's all good. Yep. Yeah. Yep. Mhmm. That's right. Yep. We have. Yes. Yep. That sounds right. Yes. Yeah. Yeah. Yeah. Still relevant. Yep. Mhmm. Yeah. What do you suggest? Yep. Okay. Mhmm. Okay. Yeah. Yeah. I'm happy to I I graduate for another year. Yep. Yep. Yep. Yep. That sounds good. Yeah. No. No. Not yet. There might be something that comes later, but I'll not at the moment. I can't think of anything. Yep. Yep. Okay. Mhmm. Okay. Alright. That sounds good. Okay. That that sounds good. That's alright. Thank you for your time. Appreciate it. Alrighty. No worries. See you. 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Yeah. Good. Thanks. How are you?\n\nYeah. It sure is. Yeah. It's a busy day, but it's over now, so that's good. Yeah.\n\nYeah. That's fine. Yeah. Christopher John Rowe, 04/25/1975, and 15 Listed Hill Street, Charlotte Park. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nOkay. I I did at the start, and then, you know, I lost busy, and then you forget about it. Yeah. It said no. Good good answer.\n\nNo. Yep. Yep. That's it. Yep.\n\nOkay. Mhmm. Mhmm. Yeah. I think so.\n\nYep. Yeah. It would. Yeah. That's fine.\n\nYep. 9 99 99 99 9 at this stage. Not alright. We're good. Yeah.\n\nYeah. Probably my only question is how much money do I lose? Yep. Okay. So my super overall is down 13,000, is it?\n\nOkay. Yep. Yep. Yep. That's open.\n\nOkay. Okay. It does. Yeah. Yep.\n\nMhmm. K. Yeah. It does. Yeah.\n\nYep. Mhmm. Yep. Yeah. That's yeah.\n\nI think that's still suitable. That I'd have to check. Yeah. I mean, we haven't yeah. Mate, it it'll go down a little bit.\n\nCouldn't tell you, though. Not sure. Yeah. Yep. Okay.\n\nMhmm. Okay. Yep. Mhmm. ID.\n\nYep. Again, I would hope I was paid that down a little bit, but, yeah, probably the same with the interest. Yeah. No. That should be fine.\n\nYep. Yep. Mhmm. No. I would hope so.\n\nIt's hard to tell. Yeah. Mhmm. Okay. Yep.\n\nYeah. You might as well. Yep. Sorry. I'm a bit vague.\n\nThere's things you don't normally think about until you bring them up now, and you're like, oh, I don't know. Yeah. Yeah. Yeah. That's right.\n\nMhmm. Mhmm. Mhmm. Yeah. It kinda doesn't stand enough, does it?\n\nMhmm. Yeah. Okay. Yep. Okay.\n\nYeah. I don't know enough about it. My instincts would tell me I probably should. Yep. Yes.\n\nThat's good. Yep. And then what expenses would it I wanted to cover? Yep. Yep.\n\nMhmm. Yeah. It's that income amount's wrong, but I'm a couple years out of day. Yep. $93,500 a year.\n\nYep. That's alright. Yeah. Yeah. I mean, the mortgage paid off.\n\nYeah. Now the debt I've got is the car loan, and then, yeah, I suppose a couple years income would be ideal. Yeah. Yeah. No.\n\nIt's not something I've thought about. I don't know. But I need to get a thing. What what what do most people do? Yeah.\n\nYeah. She does. Yep. Yep. Yeah.\n\nWell, she's on a good weekend. So Yeah. I don't know. I I got no idea. Yeah.\n\nYeah. Yep. Mhmm. Yeah. That sounds good.\n\nYep. Yeah. Mhmm. Yep. Okay.\n\nYep. Okay. Alright. 04/25/1975. At the moment, yeah, we we do have disposable income.\n\nYeah. That's combined to fill my life tonight. Yeah. Probably inside super, I think. Mhmm.\n\nMhmm. Yeah. That sounds okay. Yep. Yep.\n\nThat sounds good. I've got a bit of sick leave up. Holidays? No. Not really.\n\nI've just used them all. Yeah. Oh, I'd rather need this six weeks or so, I think. Yep. Yeah.\n\nYeah. Maybe let's look at it. I think yeah. Yep. Okay.\n\nYep. Actually, yeah. Okay. I should look at the trauma one. Yep.\n\nAgain, I don't know. I don't know what I don't know what it it cost. Okay. Okay. Yeah.\n\nThat sounds good. Yeah. I'm sorry. I have the handsets for him. Yep.\n\nYeah. I suppose you guys tax savings is probably worth having a look at. Yep. Mhmm. Okay.\n\nYeah. Sounds good to me. Yep. Yep. Mhmm.\n\nI think so. Yeah. Yep. Yep. Yeah.\n\nI don't know. Yeah. Let's do that. Yep. Okay.\n\nYep. That's what I'm hoping for. Yeah. Yep. Yeah.\n\nI think that would be a goal. Yep. Yep. Same age as me. Yep.\n\nYeah. Probably. She's got quite a lot more super than I do, so she's probably capable of doing it. Yep. It's about 400,000.\n\nShe's on about 160 a year, I think. Yep. Mhmm. Yep. Okay.\n\nThe Super AM. Yeah. Yep. That's right. Yeah.\n\nIt's probably been about fifteen weeks been doing it. Yeah. Okay. Yeah. Yeah.\n\nA $100 a week. Yeah. Okay. Yep. Yeah.\n\nYeah. Yeah. Yeah. I mean, like, obviously, there's a, like, a benefit to putting more in than I'm in a position I can. So It fluctuates in various week to week.\n\nI think it's it's probably about $5 a month. Yep. Yeah. Yeah. I mean, we're at the moment, we're currently just putting it straight onto the mortgage.\n\nSo Yeah. I'd probably I'd be comfortable with another $100, I suppose. That's 2 100 dollars a week. Yep. Yep.\n\nOkay. Yep. Okay. No. I haven't put anymore in.\n\nIt has grown, but I haven't put anymore in. That's $7.27 40, something like that. I know it changes daily. It's over 7 100. Yeah.\n\nNo. It's about 1.4 now. It's the property around here has gone nuts. No. It's probably increased a little bit.\n\nI've made a couple of upgrades to it. And yeah. Probably about 75. Yep. Yeah.\n\nAbout the same. Yep. Yep. Yeah. I see it right.\n\nYep. Mhmm. Yeah. We can do that. Probably, we'd have to be after five, though.\n\nJust wanna work. Yep. Okay. Yep. Yep.\n\nThat would work. Next week. Any day, but Friday. Yep. Yep.\n\nSix would be better. Yep. Mhmm. Yeah. I did I did have a question.\n\nThere's been a bit of stuff popping up recently about using your super to purchase investment properties and stuff like that. What's what's your opinion on that? Yeah. Mhmm. Okay.\n\nYep. Mhmm. Okay. Mhmm. Yep.\n\nMhmm. Yep. Okay. Yes. Yep.\n\nMhmm. Yep. Hope that answers that question. Yep. Mhmm.\n\nK. I don't think I'll worry about that one, though, for now. So that's all good. Yep. Yeah.\n\nYep. Mhmm. That's right. Yep. We have.\n\nYes. Yep. That sounds right. Yes. Yeah.\n\nYeah. Yeah. Still relevant. Yep. Mhmm.\n\nYeah. What do you suggest? Yep. Okay. Mhmm.\n\nOkay. Yeah. Yeah. I'm happy to I I graduate for another year. Yep.\n\nYep. Yep. Yep. That sounds good. Yeah.\n\nNo. No. Not yet. There might be something that comes later, but I'll not at the moment. I can't think of anything.\n\nYep. Yep. Okay. Mhmm. Okay.\n\nAlright. That sounds good. Okay. That that sounds good. That's alright.\n\nThank you for your time. Appreciate it. Alrighty. No worries. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":10.719999,"end":11.219999,"sentiment":"neutral","sentiment_score":0.0180884450674057},{"text":"Yeah.","start":15.705,"end":16.025,"sentiment":"neutral","sentiment_score":0.20396806299686432},{"text":"Good.","start":16.025,"end":16.265,"sentiment":"positive","sentiment_score":0.4697766304016114},{"text":"Thanks.","start":16.265,"end":16.585,"sentiment":"positive","sentiment_score":0.5042728781700134},{"text":"How are you?","start":16.585,"end":17.325,"sentiment":"neutral","sentiment_score":0.3172285854816437}],"sentiment":"neutral","sentiment_score":0.3068273961544037,"num_words":7,"start":10.719999,"end":17.325},{"sentences":[{"text":"Yeah.","start":22.744999,"end":23.064999,"sentiment":"neutral","sentiment_score":0.11623020470142365},{"text":"It sure 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the moment, yeah, we we do have disposable income.","start":1194.75,"end":1199.2051,"sentiment":"neutral","sentiment_score":0.030325076170265676}],"sentiment":"neutral","sentiment_score":0.02684512970569943,"num_words":14,"start":1153.945,"end":1199.2051},{"sentences":[{"text":"Yeah.","start":1199.2051,"end":1199.7051,"sentiment":"neutral","sentiment_score":0.1398019641637802},{"text":"That's combined to fill my life tonight.","start":1201.2051,"end":1203.145,"sentiment":"positive","sentiment_score":0.595067058290754},{"text":"Yeah.","start":1203.2051,"end":1203.7051,"sentiment":"neutral","sentiment_score":0.2173064649105072},{"text":"Probably inside super, I 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work.","start":1981.12,"end":1982.34,"sentiment":"neutral","sentiment_score":0.1729063242673874},{"text":"Yep.","start":1982.4,"end":1982.9,"sentiment":"neutral","sentiment_score":0.03264167904853821},{"text":"Okay.","start":1986.3949,"end":1986.8949,"sentiment":"neutral","sentiment_score":0.010621766559779644},{"text":"Yep.","start":1989.2749,"end":1989.7749,"sentiment":"neutral","sentiment_score":0.02726377360522747},{"text":"Yep.","start":1989.995,"end":1990.495,"sentiment":"neutral","sentiment_score":0.03225276619195938}],"sentiment":"neutral","sentiment_score":0.08878556545823812,"num_words":7,"start":1981.12,"end":1990.495},{"sentences":[{"text":"That would work.","start":1990.875,"end":1991.855,"sentiment":"neutral","sentiment_score":0.11455907175938289},{"text":"Next week.","start":1997.115,"end":1997.9349,"sentiment":"neutral","sentiment_score":-0.03538067918270826},{"text":"Any day, but Friday.","start":1998.075,"end":1999.2949,"sentiment":"neutral","sentiment_score":-0.004924268228933215},{"text":"Yep.","start":1999.355,"end":1999.855,"sentiment":"neutral","sentiment_score":0.009830483235418797},{"text":"Yep.","start":2011.12,"end":2011.52,"sentiment":"neutral","sentiment_score":0.12958747148513794}],"sentiment":"neutral","sentiment_score":0.03569424897432327,"num_words":11,"start":1990.875,"end":2011.52},{"sentences":[{"text":"Six would be better.","start":2011.52,"end":2012.48,"sentiment":"neutral","sentiment_score":0.21343684196472168},{"text":"Yep.","start":2012.48,"end":2012.98,"sentiment":"neutral","sentiment_score":0.1966882050037384},{"text":"Mhmm.","start":2039.93,"end":2040.43,"sentiment":"neutral","sentiment_score":0.04342419654130936},{"text":"Yeah.","start":2064.05,"end":2064.29,"sentiment":"neutral","sentiment_score":0.011005137115716934},{"text":"I did I did have a question.","start":2064.29,"end":2066.45,"sentiment":"neutral","sentiment_score":-0.016889728605747223}],"sentiment":"neutral","sentiment_score":0.07047405759138721,"num_words":14,"start":2011.52,"end":2066.45},{"sentences":[{"text":"There's been a bit of stuff popping up recently about using your super to purchase investment properties and stuff like that.","start":2066.45,"end":2074.1948,"sentiment":"neutral","sentiment_score":-0.04172921668560732},{"text":"What's what's your opinion on that?","start":2075.6948,"end":2077.9548,"sentiment":"neutral","sentiment_score":-0.01081451711555322},{"text":"Yeah.","start":2082.575,"end":2083.075,"sentiment":"neutral","sentiment_score":-0.014558795839548113},{"text":"Mhmm.","start":2092.16,"end":2092.66,"sentiment":"neutral","sentiment_score":-0.11918297410011292},{"text":"Okay.","start":2097.44,"end":2097.94,"sentiment":"neutral","sentiment_score":-0.1005738005042076}],"sentiment":"neutral","sentiment_score":-0.03918387411783139,"num_words":30,"start":2066.45,"end":2097.94},{"sentences":[{"text":"Yep.","start":2114.17,"end":2114.41,"sentiment":"neutral","sentiment_score":0.11180467903614044},{"text":"Mhmm.","start":2114.41,"end":2114.91,"sentiment":"neutral","sentiment_score":-0.018334031105041504},{"text":"Okay.","start":2123.61,"end":2124.11,"sentiment":"neutral","sentiment_score":-0.047030843794345856},{"text":"Mhmm.","start":2126.73,"end":2127.225,"sentiment":"neutral","sentiment_score":0.009178806096315384},{"text":"Yep.","start":2163.545,"end":2164.045,"sentiment":"neutral","sentiment_score":-0.15442673861980438}],"sentiment":"neutral","sentiment_score":-0.019761625677347183,"num_words":5,"start":2114.17,"end":2164.045},{"sentences":[{"text":"Mhmm.","start":2175.61,"end":2176.11,"sentiment":"neutral","sentiment_score":0.0546921044588089},{"text":"Yep.","start":2188.1848,"end":2188.6848,"sentiment":"neutral","sentiment_score":0.04999646171927452},{"text":"Okay.","start":2193.64,"end":2194.14,"sentiment":"neutral","sentiment_score":0.025343317538499832},{"text":"Yes.","start":2207.96,"end":2208.46,"sentiment":"neutral","sentiment_score":-0.041098348796367645},{"text":"Yep.","start":2234.205,"end":2234.705,"sentiment":"neutral","sentiment_score":0.2735897898674011}],"sentiment":"neutral","sentiment_score":0.07250466495752335,"num_words":5,"start":2175.61,"end":2234.705},{"sentences":[{"text":"Mhmm.","start":2247.0852,"end":2247.5852,"sentiment":"neutral","sentiment_score":-0.0029409201815724373},{"text":"Yep.","start":2260.32,"end":2260.815,"sentiment":"neutral","sentiment_score":0.05571474134922027},{"text":"Hope that answers that question.","start":2261.615,"end":2262.9949,"sentiment":"neutral","sentiment_score":0.10954084992408752},{"text":"Yep.","start":2264.255,"end":2264.755,"sentiment":"neutral","sentiment_score":0.1961045265197754},{"text":"Mhmm.","start":2271.295,"end":2271.795,"sentiment":"neutral","sentiment_score":0.21054646372795105}],"sentiment":"neutral","sentiment_score":0.1119032290039791,"num_words":9,"start":2247.0852,"end":2271.795},{"sentences":[{"text":"K.","start":2290.475,"end":2290.975,"sentiment":"neutral","sentiment_score":0.04752439260482788},{"text":"I don't think I'll worry about that one, though, for now.","start":2292.3152,"end":2294.7952,"sentiment":"neutral","sentiment_score":-0.11062279716134071},{"text":"So that's all good.","start":2294.7952,"end":2296.0952,"sentiment":"neutral","sentiment_score":0.07862563198432325},{"text":"Yep.","start":2301.675,"end":2302.175,"sentiment":"neutral","sentiment_score":0.1240355223417282},{"text":"Yeah.","start":2304.51,"end":2305.01,"sentiment":"neutral","sentiment_score":0.10767894238233566}],"sentiment":"neutral","sentiment_score":-0.034617187972697944,"num_words":18,"start":2290.475,"end":2305.01},{"sentences":[{"text":"Yep.","start":2305.07,"end":2305.57,"sentiment":"neutral","sentiment_score":0.07217084616422653},{"text":"Mhmm.","start":2314.75,"end":2315.25,"sentiment":"neutral","sentiment_score":-0.0053955246694386005},{"text":"That's right.","start":2324.295,"end":2324.935,"sentiment":"neutral","sentiment_score":0.08104041963815689},{"text":"Yep.","start":2324.935,"end":2325.435,"sentiment":"neutral","sentiment_score":0.10570840537548064},{"text":"We have.","start":2332.23,"end":2332.71,"sentiment":"neutral","sentiment_score":0.03741978481411934}],"sentiment":"neutral","sentiment_score":0.05848630511068872,"num_words":7,"start":2305.07,"end":2332.71},{"sentences":[{"text":"Yes.","start":2332.71,"end":2333.21,"sentiment":"neutral","sentiment_score":0.029023367911577225},{"text":"Yep.","start":2333.3499,"end":2333.8499,"sentiment":"neutral","sentiment_score":0.04976401478052139},{"text":"That sounds right.","start":2343.715,"end":2344.5151,"sentiment":"neutral","sentiment_score":0.14561008413632712},{"text":"Yes.","start":2344.5151,"end":2345.0151,"sentiment":"neutral","sentiment_score":0.08166100829839706},{"text":"Yeah.","start":2345.6353,"end":2346.1353,"sentiment":"neutral","sentiment_score":0.1185395121574402}],"sentiment":"neutral","sentiment_score":0.10225973650813103,"num_words":7,"start":2332.71,"end":2346.1353},{"sentences":[{"text":"Yeah.","start":2346.7551,"end":2347.2551,"sentiment":"neutral","sentiment_score":0.177587628364563},{"text":"Yeah.","start":2352.595,"end":2352.915,"sentiment":"neutral","sentiment_score":0.07234683632850647},{"text":"Still relevant.","start":2352.915,"end":2353.735,"sentiment":"neutral","sentiment_score":0.08388380333781242},{"text":"Yep.","start":2383.4548,"end":2383.9548,"sentiment":"neutral","sentiment_score":-0.0070566413924098015},{"text":"Mhmm.","start":2392.69,"end":2393.19,"sentiment":"neutral","sentiment_score":-0.16228093206882477}],"sentiment":"neutral","sentiment_score":0.04139408298457662,"num_words":6,"start":2346.7551,"end":2393.19},{"sentences":[{"text":"Yeah.","start":2407.795,"end":2407.875,"sentiment":"neutral","sentiment_score":-0.0362883135676384},{"text":"What do you suggest?","start":2407.875,"end":2408.855,"sentiment":"neutral","sentiment_score":-0.032020595856010914},{"text":"Yep.","start":2424.095,"end":2424.595,"sentiment":"neutral","sentiment_score":0.031481873244047165},{"text":"Okay.","start":2438.095,"end":2438.595,"sentiment":"neutral","sentiment_score":-0.10527952015399931},{"text":"Mhmm.","start":2452.27,"end":2452.665,"sentiment":"neutral","sentiment_score":-0.031131554394960403}],"sentiment":"neutral","sentiment_score":-0.03366248728707433,"num_words":8,"start":2407.795,"end":2452.665},{"sentences":[{"text":"Okay.","start":2481.22,"end":2481.72,"sentiment":"neutral","sentiment_score":0.07896190136671066},{"text":"Yeah.","start":2482.4202,"end":2482.9202,"sentiment":"neutral","sentiment_score":0.2184215486049652},{"text":"Yeah.","start":2484.405,"end":2484.885,"sentiment":"neutral","sentiment_score":0.33039718866348267},{"text":"I'm happy to I I graduate for another year.","start":2484.885,"end":2488.5051,"sentiment":"positive","sentiment_score":0.6301245292027792},{"text":"Yep.","start":2489.925,"end":2490.425,"sentiment":"neutral","sentiment_score":0.0798867791891098}],"sentiment":"positive","sentiment_score":0.4906760138960985,"num_words":13,"start":2481.22,"end":2490.425},{"sentences":[{"text":"Yep.","start":2503.22,"end":2503.72,"sentiment":"neutral","sentiment_score":0.06299330294132233},{"text":"Yep.","start":2503.9402,"end":2504.4402,"sentiment":"neutral","sentiment_score":0.07538039982318878},{"text":"Yep.","start":2528.74,"end":2529.0598,"sentiment":"neutral","sentiment_score":0.1826755404472351},{"text":"That sounds good.","start":2529.0598,"end":2530.04,"sentiment":"positive","sentiment_score":0.48172062635421753},{"text":"Yeah.","start":2535.46,"end":2535.8599,"sentiment":"neutral","sentiment_score":0.03841187059879303}],"sentiment":"neutral","sentiment_score":0.25780328469617025,"num_words":7,"start":2503.22,"end":2535.8599},{"sentences":[{"text":"No.","start":2535.8599,"end":2536.3599,"sentiment":"neutral","sentiment_score":-0.10128363966941832},{"text":"No.","start":2538.02,"end":2538.52,"sentiment":"neutral","sentiment_score":-0.17085996270179749},{"text":"Not yet.","start":2538.5798,"end":2539.0598,"sentiment":"neutral","sentiment_score":-0.20662026852369308},{"text":"There might be something that comes later, but I'll not at the moment.","start":2539.0598,"end":2542.395,"sentiment":"neutral","sentiment_score":-0.20853346586227417},{"text":"I can't think of anything.","start":2542.395,"end":2543.455,"sentiment":"neutral","sentiment_score":-0.2736986517906189}],"sentiment":"neutral","sentiment_score":-0.21658238429914822,"num_words":22,"start":2535.8599,"end":2543.455},{"sentences":[{"text":"Yep.","start":2547.595,"end":2548.095,"sentiment":"neutral","sentiment_score":0.1882847547531128},{"text":"Yep.","start":2557.24,"end":2557.74,"sentiment":"neutral","sentiment_score":0.09261132776737212},{"text":"Okay.","start":2559.3198,"end":2559.8198,"sentiment":"neutral","sentiment_score":0.07683081924915314},{"text":"Mhmm.","start":2562.04,"end":2562.54,"sentiment":"neutral","sentiment_score":0.04596417397260666},{"text":"Okay.","start":2567.4,"end":2567.895,"sentiment":"neutral","sentiment_score":0.16908977925777435}],"sentiment":"neutral","sentiment_score":0.11455617100000381,"num_words":5,"start":2547.595,"end":2567.895},{"sentences":[{"text":"Alright.","start":2567.975,"end":2568.295,"sentiment":"positive","sentiment_score":0.4180793762207031},{"text":"That sounds good.","start":2568.295,"end":2582.215,"sentiment":"positive","sentiment_score":0.61907430489858},{"text":"Okay.","start":2582.215,"end":2582.715,"sentiment":"neutral","sentiment_score":0.22512421011924744},{"text":"That that sounds good.","start":2583.03,"end":2584.09,"sentiment":"positive","sentiment_score":0.35096971690654755},{"text":"That's alright.","start":2587.35,"end":2587.83,"sentiment":"positive","sentiment_score":0.6014477014541626}],"sentiment":"positive","sentiment_score":0.4642909792336551,"num_words":11,"start":2567.975,"end":2587.83},{"sentences":[{"text":"Thank you for your time.","start":2587.83,"end":2588.79,"sentiment":"positive","sentiment_score":0.7452127575874329},{"text":"Appreciate it.","start":2588.79,"end":2589.69,"sentiment":"positive","sentiment_score":0.6731154024600983},{"text":"Alrighty.","start":2591.99,"end":2592.49,"sentiment":"neutral","sentiment_score":0.27929919958114624},{"text":"No worries.","start":2592.55,"end":2593.29,"sentiment":"neutral","sentiment_score":0.1974542811512947},{"text":"See you.","start":2593.35,"end":2594.01,"sentiment":"neutral","sentiment_score":0.24989260733127594}],"sentiment":"positive","sentiment_score":0.5205239641169707,"num_words":12,"start":2587.83,"end":2594.01},{"sentences":[{"text":"Bye.","start":2594.6301,"end":2595.1301,"sentiment":"neutral","sentiment_score":-0.08241329342126846}],"sentiment":"neutral","sentiment_score":-0.08241329342126846,"num_words":1,"start":2594.6301,"end":2595.1301}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Christopher. This is Dana from Okey Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. We had you booked in for a bit of a catch up this afternoon. Is now still a good time there for you?\n\nChannel 1: Yeah. It sure is.\n\nChannel 0: No worries. How's your day been so far?\n\nChannel 1: Yeah. It's a busy day, but it's over now, so that's good.\n\nChannel 0: Yeah. Oh, that's good. That's good.\n\nChannel 1: Yeah.\n\nChannel 0: Before we jump into the call, like, Christopher, just to let you know, we do record these calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Beautiful. And we are discussing your personal information. So just going to do security with you. I'll just get you to confirm your full name, date of birth, and address there for me.\n\nChannel 1: Yeah. Christopher John Rowe, 04/25/1975, and 15 Listed Hill Street, Charlotte Park.\n\nChannel 0: Beautiful. Thank you so much for that. I had you booked in. One of the things we discussed when we did your annual review last year was doing a bit of a catch up early this year to sort of have a a bit more of a look at what your sleep has been doing and maybe look\n\nChannel 1: Yep.\n\nChannel 0: at reassessing things there for you. We wanted to sort of touch base to let you know we had also, as of kind of late last year, noted that one of the investments has unfortunately not been performing as well, and we do definitely wanna, you know, be able to have a bit of a look at your goals and maybe update the advice there for you.\n\nChannel 1: Yep.\n\nChannel 0: And definitely\n\nChannel 1: Yep.\n\nChannel 0: look at switching out some of the portfolios. Not sure if you've heard in the news or anything in relation to it, but you've got the Benelon Australian Equities in your super fund that you have a fairly a large holding of them as well.\n\nChannel 1: Yep.\n\nChannel 0: As of late last year, unfortunately, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market. They had to report on that. It came out, and then it meant that Bennelong had to reevaluate that portion of their investment. I'd also meant that analysts were going back and reevaluating Bennelong as such. So Bennelong, unfortunately, has seen a significant decline in your portfolio, and it's something that we want to obviously action and move out for you.\n\nBut we wanted to have a bit of\n\nChannel 1: Yep.\n\nChannel 0: a chat with you first, make sure we're\n\nChannel 1: Okay.\n\nChannel 0: updating the advice and reviewing everything for you at the same time.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So what we wanted to do, obviously, is moving Van Along out, and the reason Van Along was initially put into your portfolio was to give you a little bit of active management there. Do you look at your super very often? Do you have a look at the investments or log in to Netwealth at all on a regular basis?\n\nChannel 1: I\n\nChannel 0: No?\n\nChannel 1: I did at the start, and then, you know, I lost busy, and then you forget about it. Yeah. It said no. Good good answer. No.\n\nChannel 0: Yeah. No. That's okay. One of the things we did talk about in the annual review last year was maybe looking at Netwealth and seeing whether it was still an appropriate investment reevaluating. Are you comfortable with me looking at Netwealth as well as other platforms that let us see if there's something cheaper that might sort\n\nChannel 1: Yep.\n\nChannel 0: of help benefit you long term?\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah. Fantastic. Perfect. Now\n\nChannel 1: it.\n\nChannel 0: as it is sort of mentioned, Bennelong is more of an active management component in there for you. We have our investment committee have definitely meant to talk about what they wanna replace Bennelong with. And because it is down at the moment, by moving all your investments out and replacing a few different things if we find there is a better portfolio for you can actually offset the CGT with the fact that Benelung is down. So there is a bit of a benefit to that one. What I wanted to sort of also find out was as of, like, last year, one our investment committee had utilized I'm not sure if you've ever heard of BlackRock investment firm before, but our\n\nChannel 1: Yep.\n\nChannel 0: investment committee have met up with BlackRock, and they've actually built an SMA, which is a separately managed account. If you wanted us to, we can definitely look at whether that product would be suitable for you. Essentially, what an SMA is, it's like a managed fund. And inside that managed fund, we invest in anywhere between 10 to 50 different investment options depending on what's happening. The main kind\n\nChannel 1: Okay.\n\nChannel 0: of benefit of having this SMA product would be inside that SMA, everything is passively managed as low cost index funds that are working towards your goals. But the benefit there is that if in the event something was to happen with an underlying investment, so, like, we have the issue with Bannalong that we have had recently occur, it essentially means that our investment committee can remove that investment without having to go through an updating advice. So it means that they can act a lot faster to remove underperforming investments. Or as markets change, because markets definitely do change and certain things become a really good investment opportunity, it means that the investment committee can make those changes on your behalf. The only sort of downside\n\nChannel 1: Mhmm.\n\nChannel 0: to having an SMA really is that you lose a bit of visibility, and that's kind of the reason I asked a bit more about whether you access or have a look at Netwealth at all. Because, essentially, if you were to look in your super funds, you would just see how much money you have and the product, the SMA that you're in, not the separately managed account that you're in. And you don't really\n\nChannel 1: Mhmm.\n\nChannel 0: see a lot in the way of the underlying investments. That's all kinda happening in the background. Would you like me to look at something like that, which is more passively managed, maybe lower cost for you, provide that sort of a benefit of being able to be moved around for you?\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: Yeah. That would suit.\n\nChannel 1: Yeah. It would.\n\nChannel 0: Yeah. Beautiful. I will I can also go out there, and I will also, you know, look at all the other options as well. So whether we replace one option, maybe some other options there, whether we put you into the SMA, and I'll also reevaluate not only Netwealth, but all the different super funds for you. We can update the advice for you to reflect as well.\n\nThat way, when we're ready, we'll come back. We'll show you the recommendations around what we're recommending, how, why, the advantages, disadvantages, and the risks involved so you can kinda take all that information before making your decision about whether you take on that advice. Is that okay?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yeah. Cool. Do you have any questions about that? I'm sorry. It's quite a lot of information to go through,\n\nChannel 1: 9\n\nChannel 0: but do\n\nChannel 1: 99\n\nChannel 0: you have any questions\n\nChannel 1: 99\n\nChannel 0: there at all, Safa?\n\nChannel 1: 99\n\nChannel 0: No.\n\nChannel 1: 9 at this stage. Not alright. We're good.\n\nChannel 0: No. Uh-huh. So this is something that we had sort of noticed and kinda come into play. And as soon as we all kinda came back in January, we're like, right. We need to figure this out.\n\nWe need to remove Ben along and find something else. So it's just a matter of\n\nChannel 1: Yeah.\n\nChannel 0: going through and having it chat to all the clients and working out what your goals and objectives are and how we can update\n\nChannel 1: Yeah.\n\nChannel 0: the advice to reflect there for you as well. Okay?\n\nChannel 1: Probably my only question is how much\n\nChannel 0: Yeah.\n\nChannel 1: money do I lose?\n\nChannel 0: At the moment, Benelon, in your portfolio is down by about 20%. The returns as a dollar figure, it is down by $13,000. Yeah.\n\nChannel 1: Yep. Okay. So my super overall is down 13,000, is it?\n\nChannel 0: Not necessarily. That's just that one investment. It's showing the\n\nChannel 1: Okay.\n\nChannel 0: investment itself is down by 13,000. However, your\n\nChannel 1: Yep.\n\nChannel 0: other investments have done really well. So when we have a look at them individually, your physical gold is up by 53.06%. So that's the return\n\nChannel 1: Yep.\n\nChannel 0: in dollar figures of about 4,212 for the amount you have in physical gold. We've also\n\nChannel 1: Yep.\n\nChannel 0: got other investments that are up. Your European is up by 1,900. You've also got Japan is up by over 1,700. The S and P 500 is up over 1,700 there as well. So all in all, your portfolio is doing really well.\n\nYou're not down by a whole lot. I can work it out for you to show you what the physical down is when I take away all the increases. That one there. Sorry. It won't be a second.\n\nTwo. Alright. Sorry. My computer is a little bit slow at the moment. I do apologize about that.\n\nChannel 1: That's open.\n\nChannel 0: 536242. So all in all, the rest of your portfolio is showing a positive of that 9,575. So then we take away what you're slightly down by here, and it's a negative about $3,446. So while spent\n\nChannel 1: Okay.\n\nChannel 0: along in that particular portfolio showing a negative of 13,000 there, over your entire portfolio, it's only down by about 3,400. So the rest of your portfolios have more of a positive impact to limit the negative on that one. And one of the good things\n\nChannel 1: Okay.\n\nChannel 0: about utilizing that is we can utilize the loss that it has seen to offset any gains when we are reevaluating the portfolio. So your super fund essentially will have a limited tax liability to cover by maneuvering different things or changing super funds at the same time. Does that make sense?\n\nChannel 1: It does. Yeah. Yep.\n\nChannel 0: Yeah. We can essentially use that to our advantage, and the good thing is the diversification has worked with other investments being up to offset majority of that loss there\n\nChannel 1: Mhmm. K.\n\nChannel 0: for you. Okay? Yeah. Perfect. Does that all make sense so far?\n\nChannel 1: Yeah. It does. Yeah. Yep.\n\nChannel 0: Yep. Perfect. Perfect. So having a bit of a look, I will definitely have a look at the estimated product there for you as well as the other options there. It does take a couple of weeks to do it back and do the research.\n\nWhilst we have sort of been look at this over the last couple of weeks there as well, Benelon has had a little bit of a rebound, so we certainly hope it does come back and provide more of a rebound in the interim there as well. The other thing that was really important to look at when we are looking at your super is your insurances because they are paid out of your super funds, so they do have a long term impact on your retirement there as well.\n\nChannel 1: Mhmm.\n\nChannel 0: When we kinda went through things in the annual review last year, you had your life in TPD. You were happy with the sum insured there of about 593,745. Are you still happy\n\nChannel 1: Yep.\n\nChannel 0: to retain the life and TPD, not wanting to review that? Do you feel like that level of cover is still suitable?\n\nChannel 1: Yeah. That's yeah. I think that's still suitable.\n\nChannel 0: Yeah. Yep. Perfect. Just having a look at the details of fact find I have here from your annual review when we spoke last year. I have it noted down that your main primary residence there, you have a loan owing or had a loan owing, sorry, of about 300,000.\n\nHas that been reduced since we last called out?\n\nChannel 1: That I'd have to check.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: I mean,\n\nChannel 0: it rough\n\nChannel 1: we haven't\n\nChannel 0: that same?\n\nChannel 1: yeah. Mate, it it'll go down a little bit.\n\nChannel 0: Yeah.\n\nChannel 1: Couldn't tell you, though.\n\nChannel 0: Yep.\n\nChannel 1: Not\n\nChannel 0: No.\n\nChannel 1: sure.\n\nChannel 0: That's okay. I can leave it roughly as is. It's just sort of having\n\nChannel 1: Yeah.\n\nChannel 0: a bit of a guide there. In the\n\nChannel 1: Yep.\n\nChannel 0: event of, say, passing away, your life cover's paid out, which has that $5.93 sum insured, and that is indexed every year as well. So as it goes through renewal, that will increase. And\n\nChannel 1: Okay.\n\nChannel 0: then, also, your Netwealth Super balance is paid out there as well. So having a look, when we sort of caught up last year I'm just going back to your account. Your balance when we spoke yeah. And your review time was a hundred and fifty nine thousand five hundred and sixty seven. As\n\nChannel 1: Mhmm.\n\nChannel 0: of today's date, your super balance is a 165,849. So while that all longs down a little bit, your balance is still increased over time with those other investment options. Okay.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. So, essentially, if you passed away, the life cover is paid out. You see the balance is paid on top of that. Having a bit of a look at your assets and liabilities there, that can pay off your mortgage and then leave some additional income. I've also got\n\nChannel 1: Mhmm.\n\nChannel 0: a a $54,000 loan there on your BYD. Do you still have that one?\n\nChannel 1: ID. Yep.\n\nChannel 0: Yep. Yep. And is the loan roughly still about the same? Or\n\nChannel 1: Again, I would hope I was paid that down a little bit, but,\n\nChannel 0: yep.\n\nChannel 1: yeah, probably the same with the interest.\n\nChannel 0: Yep. That's okay. Do you feel like the life and the super balance paid out would be sufficient for your family after covering those debts? Or is there something particularly you wanted your life cover to pay out in the event of passing?\n\nChannel 1: Yeah. No. That should be fine. Yep.\n\nChannel 0: That's okay. Yep. Paying out debts and providing additional income for your family. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. With the TBD matter, as we kinda went through, TBD is paid out in the event of a permanent disability, and your super\n\nChannel 1: Mhmm.\n\nChannel 0: balance can be released in that instance as well. And you do have the same level or some insured as your life cover. Do you feel like that's fairly sufficient at all?\n\nChannel 1: No. I would hope so. It's\n\nChannel 0: It's hard to tell, isn't it?\n\nChannel 1: hard to tell. Yeah.\n\nChannel 0: Yeah. It is really important as we kinda do go through with everyone. In the event of a TBD benefit, unfortunately, there is taxes there. Tax is paid on the benefit. It's including some insurance.\n\nSo what happens with TBD is if you claim and successful with TBD, some insured of your insurance is paid to your super, and then you can draw it out from there. Unfortunately, it is a taxable payment, which I think is extremely wrong. I think if someone can never go back to work again due to disability, they should not have to pay tax on the amount. But the tax\n\nChannel 1: Mhmm.\n\nChannel 0: is paid up to 22%, unfortunately.\n\nChannel 1: Okay.\n\nChannel 0: As financial advisers, if in the event of a claim, we can set up, like, an income stream and find ways to be able to minimize the tax effect on you, but we just wanna make sure that we're, you know, honest and let you know what could be the occurrence there.\n\nChannel 1: Yep.\n\nChannel 0: Did you want me to work out roughly what that might look like based on your current balance? Or\n\nChannel 1: Yeah. You might as well.\n\nChannel 0: yeah. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: Sorry.\n\nChannel 1: Sorry.\n\nChannel 0: What\n\nChannel 1: I'm\n\nChannel 0: are\n\nChannel 1: a\n\nChannel 0: we\n\nChannel 1: bit\n\nChannel 0: going?\n\nChannel 1: vague. There's things you don't normally think about until you bring them up now, and you're like, oh, I don't\n\nChannel 0: No.\n\nChannel 1: know.\n\nChannel 0: That's okay. It's one of the\n\nChannel 1: Yeah.\n\nChannel 0: things I always say I talk to you about all the things you've never thought about in your entire life.\n\nChannel 1: Yeah. Yeah. That's right.\n\nChannel 0: So total balance there, so four twenty seven. Sorry. Just doing a little bit of quick math here for you. Four twenty seven eight nine five, and we'll do 22% of that.\n\nChannel 1: Mhmm.\n\nChannel 0: So it'd be roughly the tax on that full amount if deducted at the full 22% could be around about 94,136 based on current super balance and the sum insured, which if\n\nChannel 1: Mhmm.\n\nChannel 0: we took that away there. So $94.94 $1.03 6. Would leave you with an estimated amount of 333,759, which realistically would still cover the mortgage and would still leave a little bit of a buffer there. Did you wanna look\n\nChannel 1: Mhmm.\n\nChannel 0: at maybe altering the TPD benefit, or are you happy just to leave it as is at the moment at the moment with that information? Or\n\nChannel 1: Yeah. It kinda doesn't stand enough, does it?\n\nChannel 0: it is quite minimal when you think about that. Obviously, the with the tax component there, it is quite high. And if you were to make a claim, we would definitely there are things that we can do. We do provide advice to serve an income stream, which can limit the tax drawdown. It can reduce that\n\nChannel 1: Mhmm.\n\nChannel 0: for you. We can also do other things to provide an uplift and help to minimize the tax on that sort of things, but we just have to make sure that we're letting you know what the, you know, that it is up to 22% depending on, you know, what happens and\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: Okay.\n\nChannel 0: age you are. Yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Completely up to you. Did you wanna look at maybe altering the TPD benefit?\n\nChannel 1: Yeah. I don't know enough about it. My instincts would tell me I probably should.\n\nChannel 0: Yeah. That's okay. So if in the event of a TPD claim, did you want\n\nChannel 1: Yep.\n\nChannel 0: to maybe look at covering the tax component and having the pay down paid after tax?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep.\n\nChannel 1: That's\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: And if you were TBD, they never go back to work again. What would you want the funds to pay out? Because you're still living, and often on the TBD claim, people can have rehabilitation, might have to make modifications to the house, the car, things like that.\n\nChannel 1: Yep.\n\nChannel 0: What would you want your TBD benefit to pay down for you if you could never go back to work again?\n\nChannel 1: And then what expenses would it I wanted to cover?\n\nChannel 0: Yeah. So so as an example,\n\nChannel 1: Yep.\n\nChannel 0: some people might wanna have the mortgage completely paid off so they start off completely debt free and then maybe replace a couple of years of income replacement.\n\nChannel 1: Yep.\n\nChannel 0: One of the benefits to doing that is whilst your income might be I'm just having a look here. Sorry. I had your income as 83,700\n\nChannel 1: Mhmm.\n\nChannel 0: and 50. So if you were PPD, they're not able to get back to work again by paying off the mortgage, then you don't have that expense\n\nChannel 1: Yeah.\n\nChannel 0: anymore. So you could replace, you know, five, ten, or fifteen years worth of your income and actually get double that because you're not paying your regular mortgage or payments anymore. So it allows you more expendable income. Does that make sense?\n\nChannel 1: It's that income\n\nChannel 0: Yeah.\n\nChannel 1: amount's wrong, but I'm\n\nChannel 0: That's okay.\n\nChannel 1: a couple\n\nChannel 0: What's\n\nChannel 1: years\n\nChannel 0: it\n\nChannel 1: out of day.\n\nChannel 0: that's okay. What's it now? What do\n\nChannel 1: Yep.\n\nChannel 0: you want now?\n\nChannel 1: $93,500 a year.\n\nChannel 0: $93,500. Perfect. Perfect. I'll\n\nChannel 1: Yep.\n\nChannel 0: just update that for you. Lovely. Thank you for that. So\n\nChannel 1: That's\n\nChannel 0: thinking\n\nChannel 1: alright.\n\nChannel 0: about the TPD benefit, what would you say you would like to maybe have paid out or covered?\n\nChannel 1: Yeah. Yeah. I mean, the mortgage paid off.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Now the debt I've got is the car loan, and then, yeah, I suppose a couple years income would\n\nChannel 0: Mhmm.\n\nChannel 1: be ideal. Yeah.\n\nChannel 0: Yeah. That's okay. How many years income do you think you might want to suffice or cover for yourself?\n\nChannel 1: Yeah. No. It's not something I've thought about. I don't know. But I\n\nChannel 0: No.\n\nChannel 1: need\n\nChannel 0: That's\n\nChannel 1: to get\n\nChannel 0: okay.\n\nChannel 1: a thing.\n\nChannel 0: Yeah. That's\n\nChannel 1: What\n\nChannel 0: okay.\n\nChannel 1: what what do most people do?\n\nChannel 0: It's really no rule of thumb. It really just comes down to what you're after, what you want, or what you would feel comfortable. Just having\n\nChannel 1: Yeah.\n\nChannel 0: a look here. So you're married. Does your wife work at all?\n\nChannel 1: Yeah. She does. Yep.\n\nChannel 0: Yep. So if you were never able to get back to work again, do you think that and then, look, this is also the summiting depending on what the injury could be that would stop you from working. But do\n\nChannel 1: Yep.\n\nChannel 0: you think she might be able to still go to work, and what kind of income does she bring home?\n\nChannel 1: Yeah. Well, she's on a good weekend. So\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I don't know. I I got no idea.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: If you like, what I could always do is I could get some quotes to find out what maybe five or ten years worth of income replacement\n\nChannel 1: Yep.\n\nChannel 0: like look like, and then I could always have that follow-up with you. We could talk about what the costing of the quotes comes out like and what you're comfortable with. In the meantime, you could have a think about what you're after. Does that sound okay?\n\nChannel 1: Mhmm. Yeah. That sounds good. Yep.\n\nChannel 0: Yep. Income replacement. So I can look at five and ten years for you.\n\nChannel 1: Yeah.\n\nChannel 0: Because, I mean, the the benefit to having the cover is that it's there to protect you and provide a benefit in the event that something was to happen to you. However,\n\nChannel 1: Mhmm.\n\nChannel 0: the more of a benefit you do have when it is paid out of super, it does also have an effect on your retirement income as well because it's it's, you know, can eat up some of your super or, you know, depending on\n\nChannel 1: Yep.\n\nChannel 0: your benefit,\n\nChannel 1: Okay.\n\nChannel 0: all of your super if you're, you know, paying too much in insurances. So it's a bit of a juggling\n\nChannel 1: Yep.\n\nChannel 0: ask with that one.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. That's\n\nChannel 1: Alright.\n\nChannel 0: okay. I'm just having a quick look. I don't seem to date of birth is missing out of my section here. What's your date of birth again?\n\nChannel 1: 04/25/1975.\n\nChannel 0: 04/25/1975. Beautiful. Perfect. Do you find that you have much in the way of leftover funds at the end of the week or extendable income, or is everything going towards paying down your expenses, your mortgage, and your car loan?\n\nChannel 1: At the moment, yeah, we we do have disposable income. Yeah.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: That's combined to fill my life tonight. Yeah.\n\nChannel 0: Yep. That's okay. Because there are definitely some awesome benefits if you're open to to paying for a little bit of TBD out of your back pocket. Are you open to paying for any of the cover maybe outside of super if there's a benefit to it for you, or did you wanna also have paid for inside super? What would be your preference?\n\nChannel 1: Probably inside super, I think.\n\nChannel 0: Yep. That's absolutely okay. Perfect. So what I'll do is I'll go back and I'll look at getting some quotes to increase the TBD component for you. I'll do the math\n\nChannel 1: Mhmm.\n\nChannel 0: to work at what the need is based on covering your mortgage, your car loan, consider the tax consequences, and income replacement of five to ten years. Then we can always work out whether you're comfortable with that or whether you wanna alter it moving forward. Does that sound okay?\n\nChannel 1: Mhmm. Yeah. That sounds okay.\n\nChannel 0: Beautiful. I can also look at because when we link life and TPD together, both so boosting up life and keeping it linked to TPD makes it more cost effective. Are you happy if I need you to make it more cost effective and cheaper, increase the life coverage to match the TBD benefit?\n\nChannel 1: Yep. Yep. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: good.\n\nChannel 0: Perfect. The other thing I do have here is that you don't have any income protection. I know we did kinda talk about this before. You were comfortable in your annual review not seeking income protection. If you were not able to go to work in the short term due to illness or injury, do you have a lot of long service leave, annual leave, or sick leave that you could fall back on?\n\nChannel 1: I've got a bit of sick leave up. Holidays? No. Not really. I've just used them all.\n\nChannel 0: Yep. No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: How much sick leave do you think you might have?\n\nChannel 1: Oh, I'd rather need this six weeks or so, I think.\n\nChannel 0: Six weeks? Yep. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: I know because, you know, given your age and the older we get, obviously, the insurances are more expensive as well. But did you want me\n\nChannel 1: Yeah.\n\nChannel 0: to look at what income protection might cost for you as well, or are you happy just with life and TBD?\n\nChannel 1: Yeah. Maybe let's look at it. I think yeah.\n\nChannel 0: Yeah. Yeah. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I can do that. I'll just I can organize the quotes there for you, then we can always touch base again and have a really good chat about the outcome, what's expected, and you can let me know what you wanna proceed with. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Perfect. Now I know on the topic of insurances, there is one other type of cover we do have touch base on. It is called trauma. So trauma tends to pay out a lump sum tax free benefit in the event of a traumatic condition. So things like cancers are probably the biggest one, neurological conditions, Parkinson's, diabetes.\n\nDid you wanna maybe look at getting some trauma as well, or are you happy just with the covers you can pay inside so far?\n\nChannel 1: Actually, yeah. Okay. I should look at the trauma one. Yep.\n\nChannel 0: Some trauma? Yep. Perfect. In the event of, say, one of those traumatic diagnoses, is there a certain amount on a weekly or monthly basis you might be comfortable paying out of your back pocket, or did you want me to look at a certain level of cover?\n\nChannel 1: Again, I don't know. I don't know what I don't\n\nChannel 0: That's\n\nChannel 1: know what\n\nChannel 0: okay.\n\nChannel 1: it it cost.\n\nChannel 0: Yeah. That's okay. So trauma can be fairly cheap. If you like, what I could do is I could maybe look at one to two years worth of gross income for you. And then\n\nChannel 1: Okay.\n\nChannel 0: when we come back and touch base, I can go through what the expected cost might look like, and you can let me know what your thoughts are there. Does that sound okay?\n\nChannel 1: Okay. Yeah. That sounds good.\n\nChannel 0: Yeah. Perfect. Sorry. As I said, I asked you all the questions you've never thought about.\n\nChannel 1: Yeah. I'm sorry. I have the handsets for\n\nChannel 0: No. You are absolutely fine. It's really good to have these conversations, and they keep revisiting them too because, I mean, what you sort of did or didn't want tomorrow or last year can definitely change in the future. So it's always good to revisit things. It also tends\n\nChannel 1: him.\n\nChannel 0: to open up the thought process and what it is that you're actually after, what you want, and your goals can change, which is really important to revisit too. So it's good to\n\nChannel 1: Yep.\n\nChannel 0: have these conversations. Yeah. Perfect. Now with income protection, again, you can pay it both inside and outside of super. If you pay some of your income protection or all of it outside of super, because you are protecting your income, you can claim a tax deduction on the premiums paid.\n\nDid you want me to look at that all inside Super, or are you happy to pay a little bit of income protection outside of Super out of your back pocket?\n\nChannel 1: Yeah. I suppose you guys tax savings is probably\n\nChannel 0: Yep.\n\nChannel 1: worth having a look at. Yep.\n\nChannel 0: Yep. Perfect. I can have a look at those for you. Beautiful. What I can even do is\n\nChannel 1: Mhmm.\n\nChannel 0: once I've kinda got the quotes there, I can always send them to you via email, and then I can book in a time just to catch up\n\nChannel 1: Okay.\n\nChannel 0: with you as well, and we can go through and talk about the email. That way, you've seen it before I start throwing numbers at you. Does that sound like a good idea? Yep.\n\nChannel 1: Yeah. Sounds good to me. Yep.\n\nChannel 0: Perfect. The other things to think about with the income protection is what's called a waiting period. This is how long you can be off work or you need to be off work prior to making a claim. They start\n\nChannel 1: Yep.\n\nChannel 0: at four weeks, and it can it can be, like, thirty days, sixty days, ninety days. Do you feel like having a shorter waiting period so you can claim sooner might be beneficial?\n\nChannel 1: Mhmm. I think so. Yeah. Yep.\n\nChannel 0: Yep. Perfect. Thirty days. Beautiful. And there's also a a that benefit period, which is essentially how long you can be on a claim for.\n\nThey start off at two years, five years, or all the way up to age 65. The longer the benefit period, the more expensive the insurance premiums are gonna be. Do you feel like this two years would be comfortable, or would you like a five year benefit period? What would you like me to look at?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: I can look\n\nChannel 1: I don't\n\nChannel 0: at two\n\nChannel 1: know.\n\nChannel 0: and five if you want.\n\nChannel 1: Yeah. Let's do that. Yep.\n\nChannel 0: Yep. Perfect. All good. I'll have a look at two years and five years for you, and then\n\nChannel 1: Okay.\n\nChannel 0: we can always come back and make the adjustments. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now other goals that I have here just so we are looking to update things. I have it done that you were hoping to access super and retire at around the age 60. Is that still fair where you're hoping to stop working, or do you think that might have changed?\n\nChannel 1: That's what I'm hoping for. Yeah.\n\nChannel 0: Yeah. That's okay. We can work on that. Perfect. And\n\nChannel 1: Yep.\n\nChannel 0: in retirement income of about $1,000 a week, you're still working on that, or do you have a bit of a different goal for income wise?\n\nChannel 1: Yeah. I think that would be a goal.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And with Susan, your wife, is\n\nChannel 1: Yep.\n\nChannel 0: she older, younger than you, same age as you?\n\nChannel 1: Same age as me.\n\nChannel 0: Same age? Beautiful. Is she\n\nChannel 1: Yep.\n\nChannel 0: hoping to retire about the same time?\n\nChannel 1: Yeah. Probably. She's got quite a lot more super than I do, so she's probably\n\nChannel 0: Okay.\n\nChannel 1: capable of doing it. Yep.\n\nChannel 0: Yep. That's okay. Do you know roughly what her balance might be?\n\nChannel 1: It's about 400,000.\n\nChannel 0: Okay. Perfect. Lovely. And what kind of income is she on at the moment?\n\nChannel 1: She's on about 160 a year, I think.\n\nChannel 0: Okay. Perfect. Just while I'm doing the research, because you are getting closer and closer, we do factor in the retirement aspect just as kinda showing you the long term effect of the advice and where we're kinda heading there. So it is really\n\nChannel 1: Yep.\n\nChannel 0: important when you do have a partner and a spouse that we do add some considerations for, you know, them to to as much of an extent as we possibly can for you. Okay?\n\nChannel 1: Mhmm. Yep. Okay.\n\nChannel 0: Perfect. Excellent. I've got your income up there to 93,500. You're not salary sacrificing or making any additional contributions at the moment at all?\n\nChannel 1: The Super AM. Yeah.\n\nChannel 0: Just super? Okay. So sorry.\n\nChannel 1: Yep.\n\nChannel 0: Let me just go back\n\nChannel 1: That's\n\nChannel 0: to your\n\nChannel 1: right.\n\nChannel 0: account there. I might have missed that. I do apologize. Let's have a look. Sorry.\n\nJust logging back in. There we go. Ah, there we go. Salary sacrifice. Okay.\n\nSo I've got looking at the last 12 there. K. So it looks like you've recently started contributing. Is that right for salary sacrifice?\n\nChannel 1: Yeah. It's probably been about fifteen weeks been doing it.\n\nChannel 0: Yep. Yep. Perfect. So I can see here there's two contributions that have been made in the last twelve months. So one is for five\n\nChannel 1: Yeah.\n\nChannel 0: $100, and one is for $300. They were both made in January. How much\n\nChannel 1: Okay.\n\nChannel 0: have have you asked your employer to contribute out of your pay on a weekly basis?\n\nChannel 1: Yeah. Yeah. A $100 a week.\n\nChannel 0: $100 a week. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Lovely. It looks like one of those, he kept a little bit longer and had to put it in as a lump sum. But that's okay. They\n\nChannel 1: Okay.\n\nChannel 0: they can still do that. That's not a problem at all. Are\n\nChannel 1: Yep.\n\nChannel 0: you happy to keep it at the same amount, or did you wanna maybe look at increasing that if there's more of a benefit there, or you're happy just with a 100\n\nChannel 1: Yeah.\n\nChannel 0: dollars\n\nChannel 1: Yeah. Yeah. Yeah. I mean, like, obviously, there's a, like, a benefit to putting more in\n\nChannel 0: per\n\nChannel 1: than\n\nChannel 0: week? Mhmm.\n\nChannel 1: I'm in a position I can. So\n\nChannel 0: Yep. Perfect. Do you know roughly how much you're saving or have expendable income at the end of the week when you get your pay?\n\nChannel 1: It fluctuates in various week to week.\n\nChannel 0: Okay.\n\nChannel 1: I think it's it's probably about $5 a month.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: That you have available for, like, savings?\n\nChannel 1: Yeah. Yeah. I mean, we're at the moment, we're\n\nChannel 0: Yep.\n\nChannel 1: currently just putting it straight onto the mortgage. So\n\nChannel 0: Yep. Perfect. If I did need to maybe look at increasing the salary sacrifice component, is there a level that you'd be comfortable increasing it to, or would you just be comfortable, you know, to help kind of meet your goals if we told you what you needed to do?\n\nChannel 1: Yeah. I'd probably I'd be comfortable with another $100, I suppose. That's 2\n\nChannel 0: Yeah.\n\nChannel 1: 100\n\nChannel 0: Another\n\nChannel 1: dollars a\n\nChannel 0: hundred\n\nChannel 1: week.\n\nChannel 0: per week. Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Excellent. I'll go and have a bit of a look at that for you. Obviously, we are also looking at holding some of the insurances outside of super. I'll be mindful of that, making sure that we're not eating\n\nChannel 1: Yep.\n\nChannel 0: away all your expendable income. So I can look at holding cover outside of super versus maybe sales back and looking at the differences there for you and which could provide\n\nChannel 1: Okay.\n\nChannel 0: greater benefit. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. Other assets I had here, I had your ETFs. You had about $620 in them when we spoke last year. Have you increased your investment into your ETF at all?\n\nChannel 1: No. I haven't put anymore in. It has grown,\n\nChannel 0: Yep.\n\nChannel 1: but I haven't put anymore in.\n\nChannel 0: That's okay. Do you know what is roughly valued at at the moment?\n\nChannel 1: That's $7.27 40, something like that. I know it changes daily.\n\nChannel 0: Yeah. It\n\nChannel 1: It's\n\nChannel 0: does.\n\nChannel 1: over\n\nChannel 0: It\n\nChannel 1: 7\n\nChannel 0: does.\n\nChannel 1: 100.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Cool. I've also got your credit card down. It had a $7,500 limit. Do you still have the same limit on the card?\n\nYeah. Beautiful. Your main primary residence and asset value there of 1,060,000, is that still the same, or do you think that would have changed?\n\nChannel 1: No. It's about 1.4 now. It's\n\nChannel 0: Oh,\n\nChannel 1: the\n\nChannel 0: perfect.\n\nChannel 1: property around here has gone nuts.\n\nChannel 0: That's fantastic. I mean, it's always sad for the next generation trying to get in, but it's great for us to own property already. With your vehicle there, the BYD, I had an asset value for about 62,000. Do you think that value might have increased, decreased, or altered at all, or keep it the\n\nChannel 1: No.\n\nChannel 0: same?\n\nChannel 1: It's probably increased a little bit. I've made a couple of upgrades to it. And\n\nChannel 0: Yep. That's okay. What\n\nChannel 1: yeah.\n\nChannel 0: do you think you put on it?\n\nChannel 1: Probably about 75.\n\nChannel 0: 75? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. I've got contents value of about 50,000. We'd keep that about the same, do you think?\n\nChannel 1: Yeah. About the same.\n\nChannel 0: Beautiful. And your Mazda CX five at about 15,000?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And that was incorporated into the home loan for purchasing. And then I've also got your bikes, plural,\n\nChannel 1: Yep.\n\nChannel 0: with an asset value combined of about 45,000. Is that fairly accurate?\n\nChannel 1: Yeah. I see it right. Yep.\n\nChannel 0: Yep. Perfect. All good. Now because we are looking at altering the insurances, it is really important that we do also maybe look at doing a pre assessment with you. It has been a while since we've completed one.\n\nIs there maybe\n\nChannel 1: Mhmm.\n\nChannel 0: a day that one of my beautiful admin team could give you a call and run through a quick free assessment? Is this a couple of health questions to kind of understand what we can expect from altering the insurances and what sort of contracts might be offered for you?\n\nChannel 1: Yeah. We can do that. Probably,\n\nChannel 0: Yep.\n\nChannel 1: we'd have to be after five, though.\n\nChannel 0: Yeah. That's\n\nChannel 1: Just\n\nChannel 0: absolutely\n\nChannel 1: wanna\n\nChannel 0: fine.\n\nChannel 1: work.\n\nChannel 0: We're here\n\nChannel 1: Yep.\n\nChannel 0: normally until about seven Queensland time, so our last calls\n\nChannel 1: Okay.\n\nChannel 0: are around about 6PM Queensland time to make it easier.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That\n\nChannel 0: Perfect.\n\nChannel 1: would work.\n\nChannel 0: Is there a day this week or next probably? Sorry. Next week that might suit you better. I'm so sorry.\n\nChannel 1: Next week. Any day, but Friday. Yep.\n\nChannel 0: Any day for Friday? Perfect. Well, if I was to pop it in for maybe Monday, say, 6PM Queensland time, would that be okay, or did you want 05:00 Queensland time?\n\nChannel 1: Yep. Six would be better. Yep.\n\nChannel 0: Six would be better. Beautiful. Lovely. I've popped it in there. One of my beautiful admin team will give you a call, run through a bit of a pre assessment there with you.\n\nI'll add a text message reminder so it sends you a message about half an hour prior just to remind you that I'll be giving you a call. If something pops up, please let me know. Once we've got the details of the pre assessment, I can do the research with my team, having a look at the insurance side of things. I'll come back and have a chat to you about those once I've got the insurances sorted, and then I'll\n\nChannel 1: Mhmm.\n\nChannel 0: go back and do the research on the super and the super funds there for you. I can also look at whether it's gonna be a better benefit for having a TBD or the income protection oh, sorry. The income sorry. The income protection or the trauma paid out of pocket as opposed to increasing salary sacrifice and sort of work out what to do there. Is there anything that I might have missed?\n\nIs that kind of everything that we're comfortable looking at the moment?\n\nChannel 1: Yeah. I did I did have a question. There's been a\n\nChannel 0: Yeah.\n\nChannel 1: bit of stuff popping up recently about using your super to\n\nChannel 0: Mhmm.\n\nChannel 1: purchase investment properties and stuff like that.\n\nChannel 0: Yep.\n\nChannel 1: What's what's your opinion on that?\n\nChannel 0: Absolutely. That's a really good question. I have seen quite a lot on that as well. It essentially\n\nChannel 1: Yeah.\n\nChannel 0: is that you in order for you to do that, you need to have what's called a self managed super fund. So it's a little bit more complex than what you have at the moment, but you can't\n\nChannel 1: Mhmm.\n\nChannel 0: actually have anything to do with the property. It's gotta be what's called an arm point transaction. One of the\n\nChannel 1: Okay.\n\nChannel 0: biggest things that we like to make sure everyone is aware that you can't access or use the property. Given the way lending is structured with the self managed super fund is that you would have to have, with your super balance, a minimum of, say, a 20 or 30% deposit to be able\n\nChannel 1: Yep.\n\nChannel 0: to lend.\n\nChannel 1: Mhmm.\n\nChannel 0: So your balance is a little bit low. We normally don't recommend anyone open a self funded super fund until their balance is at least 300,000, either that by\n\nChannel 1: Okay.\n\nChannel 0: themselves or combined with someone else. The biggest\n\nChannel 1: Mhmm.\n\nChannel 0: thing to also consider is that as under a self managed super fund, it is exactly what is in the name. It is self managed. So you become the trustee, which means you need to be more hands on, having a look at everything, dealing with your account a little bit closer. And it can be a bit more costly as well because there is a lot more to it, a lot more compliance. It's gotta be have it in tax return every year.\n\nIt's gotta have an audit done on it. All these things that normally happen in a super fund where the trustee looks after, they would all be put more towards yourself, and you would have to do that. You sorta have to pay out of the fund for those sorts of things. So it is a little bit\n\nChannel 1: Yep.\n\nChannel 0: more complex. As advisers, we can provide advice in that area for you, but I'd be sort of wanting to sort of build your super fund a little bit more in order to do that. The other thing I do like to bring up is\n\nChannel 1: Mhmm.\n\nChannel 0: when we are looking at lending in these sorts of trust structures, you are looking at a thirty year loan. So given you're 51 this year, is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Sorry. Just wanna make sure. I'm always cautious with everyone's age. I don't wanna make anyone older than they really are.\n\nChannel 1: Okay.\n\nChannel 0: Essentially, when we are looking at the lending aspect, when we buy for our main primary residence, we all normally have a thirty year loan. And we can normally, depending on the type of loan, be adding additional contributions into that. When we're looking at\n\nChannel 1: Yes.\n\nChannel 0: a self managed super fund, again, we do often look at a thirty year loan, but we can't be making additional contributions to pay the loan down faster. The way the loan is assessed is your employer contributions, any salary sacrifice you make between you and any other members of the fund. So we can't just pay money into it willy nilly to pay the loan down because it's all considered a contribution. So there is a lot of rules and regulations around doing so. It is a great structure\n\nChannel 1: Yep.\n\nChannel 0: and can be really wonderful to have, but I do sort of find when you balance the sorry. Under that $300,000 mark and when we are older, like in our fifties, we maybe don't wanna work for the next thirty years, it can\n\nChannel 1: Mhmm.\n\nChannel 0: often be not the best sort of structure to look at. And often having a an investment property in your own name provides you greater tax benefits because we pay more tax in our own name than we do inside super as well. So yeah.\n\nChannel 1: Yep. Hope that answers that question.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: All good. But now, look, if you ever have more questions about that sort of thing, please come and let me know. It is something I really\n\nChannel 1: Mhmm.\n\nChannel 0: enjoy talking about, and we can advise in that area. Just because we can doesn't mean we're going to, but it is always, you know, able for you to come and have those conversations and ask because if they've seen something that's interesting for you. If we're not sure what it is, we can go and investigate it and come up with some answers to help you out.\n\nChannel 1: K.\n\nChannel 0: Perfect. Oh,\n\nChannel 1: I don't\n\nChannel 0: good.\n\nChannel 1: think I'll worry about that one, though, for now. So that's\n\nChannel 0: Yeah.\n\nChannel 1: all good.\n\nChannel 0: No. That's okay. That's not a problem at all. It's it's great that you brought it up. It's fantastic.\n\nYou know? Now when you see\n\nChannel 1: Yep.\n\nChannel 0: those ads, you'd be like, I know what that is.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: No. Perfect. The only last thing I wanted to touch base on was the estate planning side of things. In the event\n\nChannel 1: Mhmm.\n\nChannel 0: of passing, so with your your super and your life insurance, I'm assuming you would like all of that paid to your wife. Is that right?\n\nChannel 1: That's right. Yep.\n\nChannel 0: Yeah. Perfect. And have you guys spoken to a source of that or had a will drawn up in the past at\n\nChannel 1: We have. Yes.\n\nChannel 0: all?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Just having a quick look back at the last fax line we had from last year. So it says that you guys had it done in 2020. Is that right?\n\nChannel 1: That sounds right. Yes.\n\nChannel 0: That sounds about\n\nChannel 1: Yeah.\n\nChannel 0: right. All good. And\n\nChannel 1: Yeah.\n\nChannel 0: it's all still fairly it would be fairly right to your circumstances or relevant?\n\nChannel 1: Yeah. Still relevant.\n\nChannel 0: Yep. Yep. Perfect. All good. Well, what we'll do is if it is a recommendation to alter or change the super fund, we'll make sure we also establish a recommendation for estate planning and the beneficiary nominations to make sure we're covering all your bases there.\n\nBut other than that, that's everything I needed to go through. Oh, wait. Sorry. The only other thing I had here was your risk profile. I do apologize.\n\nI missed that one. Last year, when we touched base, we did the risk profile questionnaire. You had come out as a high growth investor. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: the high growth investor is where you see that 90% invested in growth assets. You're trying to take on a bit more risk to or paying greater potential returns there. However, it is taking\n\nChannel 1: Mhmm.\n\nChannel 0: on a bit more risk. So you can see as your balance increases, market fluctuations that might see a dip that is magnified. Are you still comfortable looking at that high growth environment? Did you feel like you wanted to start reducing the risk level a bit?\n\nChannel 1: Yeah. What do you suggest?\n\nChannel 0: Well, having a look at things, the high growth environment does someone who has at least eight years before they're wanting to access their super. So having a look at things at the moment, even at the age of 60, you're 51 this year, you've still got about nine years. So you do fit within\n\nChannel 1: Yep.\n\nChannel 0: that category there. The likelihood of a negative return is one in every five years. And if we were to scroll down, say, reduce your risk to the growth portfolio, it has the same likelihood of negative return.\n\nChannel 1: Okay.\n\nChannel 0: With the average expected returns that we're looking for or trying to obtain with this sort of portfolio, we're looking to try and get about eight to 10% compounded on a yearly basis. So you are looking to get a bit more returns there.\n\nChannel 1: Mhmm.\n\nChannel 0: If you wanted to, we could start to maybe reduce the exposure. We've moved down to the growth portfolio, which has a 80% in those growth investments. We're still trying to obtain greater potential returns, but it's just increasing the defensive component a bit and pulling back the risk level by about 10%. Realistically, if you're agent stage, you could stay in the high growth portfolio for one more year and sort of see how you're feeling, or we could start to pull you back a little bit. It just comes down to how you feel about the markets, the ups and downs,\n\nChannel 1: Okay.\n\nChannel 0: and your super\n\nChannel 1: Yeah.\n\nChannel 0: as a whole.\n\nChannel 1: Yeah. I'm happy to I I graduate for another year.\n\nChannel 0: Yep. Perfect. Not a\n\nChannel 1: Yep.\n\nChannel 0: problem at all. Well, I can look at that separately managed account and other portfolios that keep that 90% growth investment, 10% defensive investment split for you. You're comfortable with that level?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. I can have a look at that. I'll go back and update the advice. And when we've got it fully ready to go after we've done the insurance side of things, then we can go through those recommendations together.\n\nI'll show that in your document. You can see what we're recommending, how and why, the advantages, the disadvantages, and the risks involved. And then as with all advice we provide, you get to decide whether you take all of it, some of it, or none of it. Does that sound okay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Yep. Perfect. Do you have any questions for me at all? But I know I ask you everything under the sun, but is there anything\n\nChannel 1: Yeah.\n\nChannel 0: you wanted\n\nChannel 1: No.\n\nChannel 0: to ask me at all?\n\nChannel 1: No. Not yet. There might be something that comes later, but I'll not at the moment. I can't think of anything.\n\nChannel 0: No. That's okay. If you find there is, please do let me know. Not a problem at\n\nChannel 1: Yep.\n\nChannel 0: all. All good. Well, that's everything there. I've got you booked in for next Monday, which is the March 2 to have your pre assessment at 6PM. I've added a text message\n\nChannel 1: Yep.\n\nChannel 0: reminder there for you. In the meantime, I'll get\n\nChannel 1: Okay.\n\nChannel 0: cracking on this research for you, and we'll come back\n\nChannel 1: Mhmm.\n\nChannel 0: and have another conversation about the insurances after we've had a look at what we can do. Okay.\n\nChannel 1: Okay. Alright. That sounds\n\nChannel 0: Beautiful. Thank you so much for your time. I really appreciate it. If there is anything that pops up question wise, just let the team know. They'll happily either find out if I'm available on the spot or book you in.\n\nThey'll always ask. Okay?\n\nChannel 1: good. Okay. That that sounds\n\nChannel 0: K.\n\nChannel 1: good.\n\nChannel 0: You see? My pleasure, Christopher. Thank you so much for your time.\n\nChannel 1: That's alright. Thank you for your time. Appreciate it.\n\nChannel 0: Anytime. I'll talk to you soon. Thank you.\n\nChannel 1: Alrighty. No worries.\n\nChannel 0: See you later.\n\nChannel 1: See you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":10.719999,"end":11.219999,"sentiment":"neutral","sentiment_score":0.0180884450674057}],"sentiment":"neutral","sentiment_score":0.0180884450674057,"channel":1,"num_words":1,"start":10.719999,"end":11.219999},{"sentences":[{"text":"Hi, Christopher.","start":12.0,"end":12.799999,"sentiment":"neutral","sentiment_score":0.08567206561565399},{"text":"This is Dana from Okey Financial.","start":12.799999,"end":14.4,"sentiment":"neutral","sentiment_score":0.11127202461163203},{"text":"How are you this afternoon?","start":14.4,"end":15.62,"sentiment":"neutral","sentiment_score":0.16550830006599426}],"sentiment":"neutral","sentiment_score":0.12819367532546705,"channel":0,"num_words":13,"start":12.0,"end":15.62},{"sentences":[{"text":"Yeah.","start":15.705,"end":16.025,"sentiment":"neutral","sentiment_score":0.20396806299686432},{"text":"Good.","start":16.025,"end":16.265,"sentiment":"positive","sentiment_score":0.4697766304016114},{"text":"Thanks.","start":16.265,"end":16.585,"sentiment":"positive","sentiment_score":0.5042728781700134},{"text":"How are you?","start":16.585,"end":17.325,"sentiment":"neutral","sentiment_score":0.3172285854816437}],"sentiment":"positive","sentiment_score":0.35495055466890335,"channel":1,"num_words":6,"start":15.705,"end":17.325},{"sentences":[{"text":"I'm very well.","start":17.465,"end":18.265,"sentiment":"positive","sentiment_score":0.5713314414024353},{"text":"Thank you.","start":18.265,"end":18.664999,"sentiment":"positive","sentiment_score":0.6506658792495728},{"text":"We had you booked in for a bit of a catch up this afternoon.","start":18.664999,"end":20.904999,"sentiment":"positive","sentiment_score":0.3366193622350693},{"text":"Is now still a good time there for you?","start":20.904999,"end":22.845,"sentiment":"neutral","sentiment_score":0.3144749038749271}],"sentiment":"positive","sentiment_score":0.3770811174597059,"channel":0,"num_words":28,"start":17.465,"end":22.845},{"sentences":[{"text":"Yeah.","start":22.744999,"end":23.064999,"sentiment":"neutral","sentiment_score":0.11623020470142365},{"text":"It sure is.","start":23.064999,"end":24.125,"sentiment":"neutral","sentiment_score":0.12674206991990408}],"sentiment":"neutral","sentiment_score":0.12411410361528397,"channel":1,"num_words":4,"start":22.744999,"end":24.125},{"sentences":[{"text":"No worries.","start":24.585,"end":25.305,"sentiment":"neutral","sentiment_score":0.12872755900025368},{"text":"How's your day been so far?","start":25.305,"end":26.925,"sentiment":"neutral","sentiment_score":0.1257928671936194}],"sentiment":"neutral","sentiment_score":0.12652654014527798,"channel":0,"num_words":8,"start":24.585,"end":26.925},{"sentences":[{"text":"Yeah.","start":27.089998,"end":27.41,"sentiment":"neutral","sentiment_score":0.1310385912656784},{"text":"It's a busy day, but it's over now, so that's good.","start":27.41,"end":30.07,"sentiment":"neutral","sentiment_score":0.16606513072143902}],"sentiment":"neutral","sentiment_score":0.16314625243345895,"channel":1,"num_words":12,"start":27.089998,"end":30.07},{"sentences":[{"text":"Yeah.","start":29.72,"end":29.8,"sentiment":"neutral","sentiment_score":0.19826290011405945},{"text":"Oh, that's good.","start":29.8,"end":31.019999,"sentiment":"positive","sentiment_score":0.3930761218070984},{"text":"That's good.","start":31.16,"end":31.98,"sentiment":"positive","sentiment_score":0.4761650264263153}],"sentiment":"positive","sentiment_score":0.3883035530646642,"channel":0,"num_words":6,"start":29.72,"end":31.98},{"sentences":[{"text":"Yeah.","start":32.05,"end":32.55,"sentiment":"neutral","sentiment_score":0.11762891709804536}],"sentiment":"neutral","sentiment_score":0.11762891709804536,"channel":1,"num_words":1,"start":32.05,"end":32.55},{"sentences":[{"text":"Before we jump into the call, like, Christopher, just to let you know, we do record these calls for quality and training purposes.","start":32.12,"end":37.0,"sentiment":"neutral","sentiment_score":0.05013838523755903},{"text":"Are you happy for us to proceed with that?","start":37.0,"end":38.94,"sentiment":"neutral","sentiment_score":0.08475239492124981}],"sentiment":"neutral","sentiment_score":0.05987357546109706,"channel":0,"num_words":32,"start":32.12,"end":38.94},{"sentences":[{"text":"Yeah.","start":39.329998,"end":39.489998,"sentiment":"neutral","sentiment_score":0.0880521833896637},{"text":"That's fine.","start":39.489998,"end":40.309998,"sentiment":"neutral","sentiment_score":0.18436215072870255}],"sentiment":"neutral","sentiment_score":0.15225882828235626,"channel":1,"num_words":3,"start":39.329998,"end":40.309998},{"sentences":[{"text":"Beautiful.","start":40.614998,"end":41.015,"sentiment":"positive","sentiment_score":0.3810325264930725},{"text":"And we are discussing your personal information.","start":41.015,"end":43.015,"sentiment":"neutral","sentiment_score":0.12609264041696275},{"text":"So just going to do security with you.","start":43.015,"end":45.335,"sentiment":"neutral","sentiment_score":0.09825754072517157},{"text":"I'll just get you to confirm your full name, date of birth, and address there for me.","start":45.335,"end":48.875,"sentiment":"neutral","sentiment_score":0.09434930103666642}],"sentiment":"neutral","sentiment_score":0.11071755917686404,"channel":0,"num_words":33,"start":40.614998,"end":48.875},{"sentences":[{"text":"Yeah.","start":49.274998,"end":49.595,"sentiment":"neutral","sentiment_score":0.03289325535297394},{"text":"Christopher John Rowe, 04/25/1975, and 15 Listed Hill Street, Charlotte Park.","start":49.595,"end":55.295,"sentiment":"neutral","sentiment_score":0.034421259706670586}],"sentiment":"neutral","sentiment_score":0.0342939260105292,"channel":1,"num_words":12,"start":49.274998,"end":55.295},{"sentences":[{"text":"Beautiful.","start":55.75,"end":56.15,"sentiment":"positive","sentiment_score":0.3918194770812988},{"text":"Thank you so much for that.","start":56.15,"end":57.61,"sentiment":"positive","sentiment_score":0.5668374200661978},{"text":"I had you booked 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Safa?","start":351.115,"end":352.175,"sentiment":"neutral","sentiment_score":-0.03098102891817689}],"sentiment":"neutral","sentiment_score":-0.03098102891817689,"channel":0,"num_words":4,"start":351.115,"end":352.175},{"sentences":[{"text":"99","start":352.65,"end":352.81,"sentiment":"neutral","sentiment_score":-0.023166261613368988}],"sentiment":"neutral","sentiment_score":-0.023166261613368988,"channel":1,"num_words":1,"start":352.65,"end":352.81},{"sentences":[{"text":"No.","start":352.795,"end":353.295,"sentiment":"neutral","sentiment_score":-0.146220400929451}],"sentiment":"neutral","sentiment_score":-0.146220400929451,"channel":0,"num_words":1,"start":352.795,"end":353.295},{"sentences":[{"text":"9 at this stage.","start":352.81,"end":353.77,"sentiment":"neutral","sentiment_score":-0.18005346320569515},{"text":"Not alright.","start":353.77,"end":354.33,"sentiment":"neutral","sentiment_score":-0.26037462055683136},{"text":"We're good.","start":354.33,"end":354.99,"sentiment":"neutral","sentiment_score":-0.09068910405039787}],"sentiment":"neutral","sentiment_score":-0.17779266275465488,"channel":1,"num_words":8,"start":352.81,"end":354.99},{"sentences":[{"text":"No.","start":354.555,"end":355.055,"sentiment":"neutral","sentiment_score":-0.1804312765598297},{"text":"Uh-huh.","start":355.355,"end":355.435,"sentiment":"neutral","sentiment_score":-0.14140701293945312},{"text":"So this is something that we had sort of noticed and kinda come into play.","start":355.435,"end":358.475,"sentiment":"neutral","sentiment_score":-0.14063654591639838},{"text":"And as soon as we all kinda came back in January, we're like, right.","start":358.475,"end":360.96,"sentiment":"neutral","sentiment_score":-0.15312200146062033},{"text":"We need to figure this 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can update","start":365.28,"end":370.32,"sentiment":"neutral","sentiment_score":0.12728188621501127}],"sentiment":"neutral","sentiment_score":0.12728188621501127,"channel":0,"num_words":24,"start":365.28,"end":370.32},{"sentences":[{"text":"Yeah.","start":370.06,"end":370.56,"sentiment":"neutral","sentiment_score":0.0949317067861557}],"sentiment":"neutral","sentiment_score":0.0949317067861557,"channel":1,"num_words":1,"start":370.06,"end":370.56},{"sentences":[{"text":"the advice to reflect there for you as well.","start":370.32,"end":372.72,"sentiment":"neutral","sentiment_score":0.1118464469909668},{"text":"Okay?","start":372.72,"end":373.22,"sentiment":"neutral","sentiment_score":0.004055391997098923}],"sentiment":"neutral","sentiment_score":0.10106734149158,"channel":0,"num_words":10,"start":370.32,"end":373.22},{"sentences":[{"text":"Probably my only question is how 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$13,000.","start":382.575,"end":387.235,"sentiment":"neutral","sentiment_score":-0.1434720199216496},{"text":"Yeah.","start":387.54,"end":388.04,"sentiment":"neutral","sentiment_score":0.002486933022737503}],"sentiment":"neutral","sentiment_score":-0.14162346705173454,"channel":0,"num_words":24,"start":377.935,"end":388.04},{"sentences":[{"text":"Yep.","start":387.935,"end":388.435,"sentiment":"neutral","sentiment_score":0.03812224045395851},{"text":"Okay.","start":388.575,"end":389.075,"sentiment":"neutral","sentiment_score":0.025787051767110825},{"text":"So my super overall is down 13,000, is it?","start":389.695,"end":393.715,"sentiment":"neutral","sentiment_score":-0.005482236828861965}],"sentiment":"neutral","sentiment_score":0.001324469160119241,"channel":1,"num_words":11,"start":387.935,"end":393.715},{"sentences":[{"text":"Not necessarily.","start":393.54,"end":394.36002,"sentiment":"neutral","sentiment_score":-0.09540378302335738},{"text":"That's just that one 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your","start":399.22,"end":400.275,"sentiment":"neutral","sentiment_score":0.133325032889843}],"sentiment":"neutral","sentiment_score":-0.00921662524342537,"channel":0,"num_words":8,"start":396.98,"end":400.275},{"sentences":[{"text":"Yep.","start":400.2,"end":400.7,"sentiment":"neutral","sentiment_score":0.174552321434021}],"sentiment":"neutral","sentiment_score":0.174552321434021,"channel":1,"num_words":1,"start":400.2,"end":400.7},{"sentences":[{"text":"other investments have done really well.","start":400.275,"end":402.035,"sentiment":"positive","sentiment_score":0.3370473235845566},{"text":"So when we have a look at them individually, your physical gold is up by 53.06%.","start":402.035,"end":408.855,"sentiment":"neutral","sentiment_score":0.19762189500033855},{"text":"So that's the 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just having a quick look.","start":1159.5299,"end":1161.2899,"sentiment":"neutral","sentiment_score":0.03535758641858896},{"text":"I don't seem to date of birth is missing out of my section here.","start":1161.2899,"end":1167.7899,"sentiment":"neutral","sentiment_score":-0.013713714799710683},{"text":"What's your date of birth again?","start":1167.85,"end":1169.63,"sentiment":"neutral","sentiment_score":-0.00116388697642833}],"sentiment":"neutral","sentiment_score":0.003274241229519248,"channel":0,"num_words":27,"start":1158.1699,"end":1169.63},{"sentences":[{"text":"04/25/1975.","start":1170.4751,"end":1173.135,"sentiment":"neutral","sentiment_score":0.0006927787326276302}],"sentiment":"neutral","sentiment_score":0.0006927787326276302,"channel":1,"num_words":1,"start":1170.4751,"end":1173.135},{"sentences":[{"text":"04/25/1975.","start":1173.405,"end":1175.9651,"sentiment":"neutral","sentiment_score":0.012545234523713589},{"text":"Beautiful.","start":1175.9651,"end":1176.4651,"sentiment":"positive","sentiment_score":0.5444297790527344},{"text":"Perfect.","start":1181.645,"end":1182.145,"sentiment":"positive","sentiment_score":0.5884544849395752},{"text":"Do you find that you have much in the way of leftover funds at the end of the week or extendable income, or is everything going towards paying down your expenses, your mortgage, and your car loan?","start":1182.8301,"end":1193.5701,"sentiment":"neutral","sentiment_score":0.0790999827755464}],"sentiment":"neutral","sentiment_score":0.10180322153028101,"channel":0,"num_words":40,"start":1173.405,"end":1193.5701},{"sentences":[{"text":"At the moment, yeah, we we do have disposable 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super?","start":1210.57,"end":1218.65,"sentiment":"neutral","sentiment_score":0.09479859413113445},{"text":"What would be your preference?","start":1218.65,"end":1219.87,"sentiment":"neutral","sentiment_score":0.01763293147087097}],"sentiment":"neutral","sentiment_score":0.18212288821814582,"channel":0,"num_words":64,"start":1203.405,"end":1219.87},{"sentences":[{"text":"Probably inside super, I think.","start":1220.64,"end":1223.38,"sentiment":"neutral","sentiment_score":0.05405449867248535}],"sentiment":"neutral","sentiment_score":0.05405449867248535,"channel":1,"num_words":5,"start":1220.64,"end":1223.38},{"sentences":[{"text":"Yep.","start":1223.0651,"end":1223.5651,"sentiment":"neutral","sentiment_score":0.17069920897483826},{"text":"That's absolutely okay.","start":1224.265,"end":1225.885,"sentiment":"positive","sentiment_score":0.47146545847256977},{"text":"Perfect.","start":1226.185,"end":1226.685,"sentiment":"neutral","sentiment_score":0.02175373025238514},{"text":"So what I'll do is I'll go back and I'll look at getting some quotes to increase the TBD component for you.","start":1227.225,"end":1232.905,"sentiment":"neutral","sentiment_score":0.16506361148574136},{"text":"I'll do the math","start":1232.905,"end":1233.705,"sentiment":"neutral","sentiment_score":0.11872904375195503}],"sentiment":"neutral","sentiment_score":0.18429564330126008,"channel":0,"num_words":31,"start":1223.0651,"end":1233.705},{"sentences":[{"text":"Mhmm.","start":1233.635,"end":1234.135,"sentiment":"neutral","sentiment_score":0.0717175155878067}],"sentiment":"neutral","sentiment_score":0.0717175155878067,"channel":1,"num_words":1,"start":1233.635,"end":1234.135},{"sentences":[{"text":"to work at what the need is based on covering your mortgage, your car loan, consider the tax consequences, and income replacement of five to ten years.","start":1233.705,"end":1243.0,"sentiment":"neutral","sentiment_score":0.12430309228323123},{"text":"Then we can always work out whether you're comfortable with that or whether you wanna alter it moving forward.","start":1243.62,"end":1248.02,"sentiment":"neutral","sentiment_score":0.150680628458136},{"text":"Does that sound okay?","start":1248.02,"end":1249.1599,"sentiment":"neutral","sentiment_score":0.1654067598283291}],"sentiment":"neutral","sentiment_score":0.13761484943330288,"channel":0,"num_words":50,"start":1233.705,"end":1249.1599},{"sentences":[{"text":"Mhmm.","start":1249.51,"end":1249.5901,"sentiment":"neutral","sentiment_score":0.07931454479694366},{"text":"Yeah.","start":1249.5901,"end":1249.8301,"sentiment":"neutral","sentiment_score":0.20722252130508423},{"text":"That sounds okay.","start":1249.8301,"end":1250.81,"sentiment":"positive","sentiment_score":0.43315792083740234}],"sentiment":"neutral","sentiment_score":0.317202165722847,"channel":1,"num_words":5,"start":1249.51,"end":1250.81},{"sentences":[{"text":"Beautiful.","start":1251.235,"end":1251.735,"sentiment":"positive","sentiment_score":0.7276652455329895},{"text":"I can also look at because when we link life and TPD together, both so boosting up life and keeping it linked to TPD makes it more cost effective.","start":1251.9551,"end":1262.835,"sentiment":"positive","sentiment_score":0.4667056603678342},{"text":"Are you happy if I need you to make it more cost effective and cheaper, increase the life coverage to match the TBD 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okay.","start":1300.46,"end":1301.2799,"sentiment":"neutral","sentiment_score":-0.027414076030254364}],"sentiment":"neutral","sentiment_score":-0.036603618413209915,"channel":0,"num_words":4,"start":1299.4199,"end":1301.2799},{"sentences":[{"text":"Yeah.","start":1301.08,"end":1301.58,"sentiment":"neutral","sentiment_score":-0.007000256329774857}],"sentiment":"neutral","sentiment_score":-0.007000256329774857,"channel":1,"num_words":1,"start":1301.08,"end":1301.58},{"sentences":[{"text":"How much sick leave do you think you might have?","start":1301.8999,"end":1304.0,"sentiment":"neutral","sentiment_score":-0.04669758826494217}],"sentiment":"neutral","sentiment_score":-0.04669758826494217,"channel":0,"num_words":10,"start":1301.8999,"end":1304.0},{"sentences":[{"text":"Oh, I'd rather need this six weeks or so, I 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age and the older we get, obviously, the insurances are more expensive as well.","start":1312.875,"end":1318.875,"sentiment":"neutral","sentiment_score":-0.06447644558336053},{"text":"But did you want me","start":1318.875,"end":1319.835,"sentiment":"neutral","sentiment_score":-0.017897047847509385}],"sentiment":"neutral","sentiment_score":-0.05551886909569685,"channel":0,"num_words":26,"start":1312.875,"end":1319.835},{"sentences":[{"text":"Yeah.","start":1319.695,"end":1320.195,"sentiment":"neutral","sentiment_score":0.00387444719672203}],"sentiment":"neutral","sentiment_score":0.00387444719672203,"channel":1,"num_words":1,"start":1319.695,"end":1320.195},{"sentences":[{"text":"to look at what income protection might cost for you as well, or are you happy just with life and TBD?","start":1319.835,"end":1324.95,"sentiment":"neutral","sentiment_score":0.01941173505924997}],"sentiment":"neutral","sentiment_score":0.01941173505924997,"channel":0,"num_words":21,"start":1319.835,"end":1324.95},{"sentences":[{"text":"Yeah.","start":1326.42,"end":1326.74,"sentiment":"neutral","sentiment_score":0.04471725225448608},{"text":"Maybe let's look at it.","start":1326.74,"end":1328.1001,"sentiment":"neutral","sentiment_score":0.044650349766016006},{"text":"I think 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income protection or the trauma paid out of pocket as opposed to increasing salary sacrifice and sort of work out what to do there.","start":2051.0352,"end":2057.915,"sentiment":"neutral","sentiment_score":-0.07967847228050232},{"text":"Is there anything that I might have missed?","start":2057.915,"end":2059.675,"sentiment":"neutral","sentiment_score":-0.07627693237736821}],"sentiment":"neutral","sentiment_score":-0.014752466049095666,"channel":0,"num_words":74,"start":2039.99,"end":2059.675},{"sentences":[{"text":"Is that kind of everything that we're comfortable looking at the moment?","start":2059.675,"end":2063.055,"sentiment":"neutral","sentiment_score":0.01057901605963707}],"sentiment":"neutral","sentiment_score":0.01057901605963707,"channel":0,"num_words":12,"start":2059.675,"end":2063.055},{"sentences":[{"text":"Yeah.","start":2064.05,"end":2064.29,"sentiment":"neutral","sentiment_score":0.011005137115716934},{"text":"I did I did have a 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that.","start":2149.8599,"end":2158.435,"sentiment":"neutral","sentiment_score":-0.13628887658317884},{"text":"You sorta have to pay out of the fund for those sorts of things.","start":2158.435,"end":2162.595,"sentiment":"neutral","sentiment_score":-0.2408473715186119},{"text":"So it is a little bit","start":2162.595,"end":2163.5552,"sentiment":"neutral","sentiment_score":-0.11885656540592511}],"sentiment":"neutral","sentiment_score":-0.17212511008155756,"channel":0,"num_words":58,"start":2148.26,"end":2163.5552},{"sentences":[{"text":"Yep.","start":2163.545,"end":2164.045,"sentiment":"neutral","sentiment_score":-0.15442673861980438}],"sentiment":"neutral","sentiment_score":-0.15442673861980438,"channel":1,"num_words":1,"start":2163.545,"end":2164.045},{"sentences":[{"text":"more complex.","start":2163.5552,"end":2164.2952,"sentiment":"neutral","sentiment_score":-0.23356913775205612},{"text":"As advisers, we can provide advice in that area for you, but I'd be sort of wanting to sort of build your super fund a little bit more in order to do that.","start":2164.7551,"end":2173.23,"sentiment":"neutral","sentiment_score":-0.04316117095224785},{"text":"The other thing I do like to bring up is","start":2173.45,"end":2175.95,"sentiment":"neutral","sentiment_score":0.05021046400070191}],"sentiment":"neutral","sentiment_score":-0.03087449504269494,"channel":0,"num_words":45,"start":2163.5552,"end":2175.95},{"sentences":[{"text":"Mhmm.","start":2175.61,"end":2176.11,"sentiment":"neutral","sentiment_score":0.0546921044588089}],"sentiment":"neutral","sentiment_score":0.0546921044588089,"channel":1,"num_words":1,"start":2175.61,"end":2176.11},{"sentences":[{"text":"when we are looking at lending in these sorts of trust structures, you are looking at a thirty year loan.","start":2176.49,"end":2183.965,"sentiment":"neutral","sentiment_score":0.027747920341789724},{"text":"So given you're 51 this year, is that right?","start":2183.965,"end":2187.585,"sentiment":"neutral","sentiment_score":0.0512665059003565}],"sentiment":"neutral","sentiment_score":0.035046791722034586,"channel":0,"num_words":29,"start":2176.49,"end":2187.585},{"sentences":[{"text":"Yep.","start":2188.1848,"end":2188.6848,"sentiment":"neutral","sentiment_score":0.04999646171927452}],"sentiment":"neutral","sentiment_score":0.04999646171927452,"channel":1,"num_words":1,"start":2188.1848,"end":2188.6848},{"sentences":[{"text":"Yeah.","start":2188.845,"end":2189.245,"sentiment":"neutral","sentiment_score":0.00927291065454483},{"text":"Sorry.","start":2189.245,"end":2189.565,"sentiment":"neutral","sentiment_score":-0.0953461527824402},{"text":"Just wanna make sure.","start":2189.565,"end":2190.285,"sentiment":"neutral","sentiment_score":-0.13574287295341492},{"text":"I'm always cautious with everyone's age.","start":2190.285,"end":2191.605,"sentiment":"neutral","sentiment_score":-0.24287339051564535},{"text":"I don't wanna make anyone older than they really are.","start":2191.605,"end":2193.93,"sentiment":"neutral","sentiment_score":-0.25970897227525713}],"sentiment":"neutral","sentiment_score":-0.21288067271763628,"channel":0,"num_words":22,"start":2188.845,"end":2193.93},{"sentences":[{"text":"Okay.","start":2193.64,"end":2194.14,"sentiment":"neutral","sentiment_score":0.025343317538499832}],"sentiment":"neutral","sentiment_score":0.025343317538499832,"channel":1,"num_words":1,"start":2193.64,"end":2194.14},{"sentences":[{"text":"Essentially, when we are looking at the lending aspect, when we buy for our main primary residence, we all normally have a thirty year loan.","start":2195.6099,"end":2202.25,"sentiment":"neutral","sentiment_score":0.08353117361664772},{"text":"And we can normally, depending on the type of loan, be adding additional contributions into that.","start":2202.25,"end":2207.085,"sentiment":"neutral","sentiment_score":0.07265352876856923},{"text":"When we're looking at","start":2207.325,"end":2207.9648,"sentiment":"neutral","sentiment_score":0.02580541931092739}],"sentiment":"neutral","sentiment_score":0.07453238839904468,"channel":0,"num_words":45,"start":2195.6099,"end":2207.9648},{"sentences":[{"text":"Yes.","start":2207.96,"end":2208.46,"sentiment":"neutral","sentiment_score":-0.041098348796367645}],"sentiment":"neutral","sentiment_score":-0.041098348796367645,"channel":1,"num_words":1,"start":2207.96,"end":2208.46},{"sentences":[{"text":"a self managed super fund, again, we do often look at a thirty year loan, but we can't be making additional contributions to pay the loan down faster.","start":2207.9648,"end":2215.665,"sentiment":"neutral","sentiment_score":0.0009638285929603237},{"text":"The way the loan is assessed is your employer contributions, any salary sacrifice you make between you and any other members of the fund.","start":2215.885,"end":2224.26,"sentiment":"neutral","sentiment_score":0.003658552964528402},{"text":"So we can't just pay money into it willy nilly to pay the loan down because it's all considered a contribution.","start":2224.26,"end":2230.04,"sentiment":"neutral","sentiment_score":-0.02068429577740885},{"text":"So there is a lot of rules and regulations around doing so.","start":2230.26,"end":2233.46,"sentiment":"neutral","sentiment_score":-0.0058844625018537045},{"text":"It is a great structure","start":2233.46,"end":2234.6602,"sentiment":"positive","sentiment_score":0.39853963255882263}],"sentiment":"neutral","sentiment_score":0.017805631924420594,"channel":0,"num_words":90,"start":2207.9648,"end":2234.6602},{"sentences":[{"text":"Yep.","start":2234.205,"end":2234.705,"sentiment":"neutral","sentiment_score":0.2735897898674011}],"sentiment":"neutral","sentiment_score":0.2735897898674011,"channel":1,"num_words":1,"start":2234.205,"end":2234.705},{"sentences":[{"text":"and can be really wonderful to have, but I do sort of find when you balance the sorry.","start":2234.6602,"end":2239.685,"sentiment":"neutral","sentiment_score":0.2156402301043272},{"text":"Under that $300,000 mark and when we are older, like in our fifties, we maybe don't wanna work for the next thirty years, it can","start":2239.685,"end":2247.285,"sentiment":"neutral","sentiment_score":-0.021901718750596048}],"sentiment":"neutral","sentiment_score":0.07753444588634857,"channel":0,"num_words":43,"start":2234.6602,"end":2247.285},{"sentences":[{"text":"Mhmm.","start":2247.0852,"end":2247.5852,"sentiment":"neutral","sentiment_score":-0.0029409201815724373}],"sentiment":"neutral","sentiment_score":-0.0029409201815724373,"channel":1,"num_words":1,"start":2247.0852,"end":2247.5852},{"sentences":[{"text":"often be not the best sort of structure to look at.","start":2247.285,"end":2250.325,"sentiment":"neutral","sentiment_score":-0.17135766554962506},{"text":"And often having a an investment property in your own name provides you greater tax benefits because we pay more tax in our own name than we do inside super as well.","start":2250.325,"end":2259.5798,"sentiment":"neutral","sentiment_score":-0.019371727015823126},{"text":"So yeah.","start":2259.5798,"end":2260.64,"sentiment":"neutral","sentiment_score":0.026714441366493702}],"sentiment":"neutral","sentiment_score":-0.054475571173760624,"channel":0,"num_words":45,"start":2247.285,"end":2260.64},{"sentences":[{"text":"Yep.","start":2260.32,"end":2260.815,"sentiment":"neutral","sentiment_score":0.05571474134922027},{"text":"Hope that answers that 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know.","start":2266.2998,"end":2270.445,"sentiment":"neutral","sentiment_score":0.10074561517685651},{"text":"It is something I really","start":2270.445,"end":2271.405,"sentiment":"neutral","sentiment_score":0.15810362100601197}],"sentiment":"neutral","sentiment_score":0.12839016635660772,"channel":0,"num_words":27,"start":2265.0198,"end":2271.405},{"sentences":[{"text":"Mhmm.","start":2271.295,"end":2271.795,"sentiment":"neutral","sentiment_score":0.21054646372795105}],"sentiment":"neutral","sentiment_score":0.21054646372795105,"channel":1,"num_words":1,"start":2271.295,"end":2271.795},{"sentences":[{"text":"enjoy talking about, and we can advise in that area.","start":2271.405,"end":2274.145,"sentiment":"neutral","sentiment_score":0.22277719974517823},{"text":"Just because we can doesn't mean we're going to, but it is always, you know, able for you to come and have those conversations and ask because if they've seen something that's interesting for you.","start":2275.405,"end":2284.3052,"sentiment":"neutral","sentiment_score":0.13529059759208134},{"text":"If we're not sure what it is, we can go and investigate it and come up with some answers to help you 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having a quick look back at the last fax line we had from last year.","start":2334.555,"end":2337.9949,"sentiment":"neutral","sentiment_score":0.12279225885868073},{"text":"So it says that you guys had it done in 2020.","start":2337.9949,"end":2340.795,"sentiment":"neutral","sentiment_score":0.076638786630197},{"text":"Is that right?","start":2340.795,"end":2341.6948,"sentiment":"neutral","sentiment_score":0.10735050092140834}],"sentiment":"neutral","sentiment_score":0.11083420529030263,"channel":0,"num_words":32,"start":2333.515,"end":2341.6948},{"sentences":[{"text":"That sounds right.","start":2343.715,"end":2344.5151,"sentiment":"neutral","sentiment_score":0.14561008413632712},{"text":"Yes.","start":2344.5151,"end":2345.0151,"sentiment":"neutral","sentiment_score":0.08166100829839706}],"sentiment":"neutral","sentiment_score":0.1296228151768446,"channel":1,"num_words":4,"start":2343.715,"end":2345.0151},{"sentences":[{"text":"That sounds 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relevant?","start":2346.97,"end":2351.79,"sentiment":"neutral","sentiment_score":0.1543070753770215}],"sentiment":"neutral","sentiment_score":0.1543070753770215,"channel":0,"num_words":14,"start":2346.97,"end":2351.79},{"sentences":[{"text":"Yeah.","start":2352.595,"end":2352.915,"sentiment":"neutral","sentiment_score":0.07234683632850647},{"text":"Still relevant.","start":2352.915,"end":2353.735,"sentiment":"neutral","sentiment_score":0.08388380333781242}],"sentiment":"neutral","sentiment_score":0.08003814766804378,"channel":1,"num_words":3,"start":2352.595,"end":2353.735},{"sentences":[{"text":"Yep.","start":2354.1848,"end":2354.345,"sentiment":"neutral","sentiment_score":0.11810429394245148},{"text":"Yep.","start":2354.345,"end":2354.825,"sentiment":"neutral","sentiment_score":0.1814941018819809},{"text":"Perfect.","start":2354.825,"end":2355.325,"sentiment":"positive","sentiment_score":0.4999431371688843},{"text":"All good.","start":2355.4648,"end":2356.1848,"sentiment":"positive","sentiment_score":0.47871172428131104},{"text":"Well, what we'll do is if it is a recommendation to alter or change the super fund, we'll make sure we also establish a recommendation for estate planning and the beneficiary nominations to make sure we're covering all your bases there.","start":2356.1848,"end":2367.0,"sentiment":"neutral","sentiment_score":0.09562470727577442}],"sentiment":"neutral","sentiment_score":0.12342560825788457,"channel":0,"num_words":46,"start":2354.1848,"end":2367.0},{"sentences":[{"text":"But other than that, that's everything I needed to go through.","start":2367.56,"end":2370.6,"sentiment":"neutral","sentiment_score":0.006727605126798153},{"text":"Oh, wait.","start":2370.6,"end":2371.08,"sentiment":"neutral","sentiment_score":-0.010224845726042986},{"text":"Sorry.","start":2371.08,"end":2371.58,"sentiment":"neutral","sentiment_score":-0.06260569393634796},{"text":"The only other thing I had here was your risk profile.","start":2371.8,"end":2374.62,"sentiment":"neutral","sentiment_score":-0.09719624438069084},{"text":"I do apologize.","start":2375.48,"end":2376.3,"sentiment":"neutral","sentiment_score":-0.10680118203163147}],"sentiment":"neutral","sentiment_score":-0.049950498688433854,"channel":0,"num_words":28,"start":2367.56,"end":2376.3},{"sentences":[{"text":"I missed that one.","start":2376.44,"end":2377.48,"sentiment":"neutral","sentiment_score":-0.11670513451099396},{"text":"Last year, when we touched base, we did the risk profile questionnaire.","start":2377.48,"end":2380.36,"sentiment":"neutral","sentiment_score":-0.030916144760946434},{"text":"You had come out as a high growth 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there.","start":2387.325,"end":2391.805,"sentiment":"neutral","sentiment_score":-0.08478758158162236},{"text":"However, it is taking","start":2391.805,"end":2393.005,"sentiment":"neutral","sentiment_score":-0.15129543095827103}],"sentiment":"neutral","sentiment_score":-0.06517655254506013,"channel":0,"num_words":34,"start":2383.4849,"end":2393.005},{"sentences":[{"text":"Mhmm.","start":2392.69,"end":2393.19,"sentiment":"neutral","sentiment_score":-0.16228093206882477}],"sentiment":"neutral","sentiment_score":-0.16228093206882477,"channel":1,"num_words":1,"start":2392.69,"end":2393.19},{"sentences":[{"text":"on a bit more risk.","start":2393.005,"end":2393.9648,"sentiment":"neutral","sentiment_score":-0.21315463483333588},{"text":"So you can see as your balance increases, market fluctuations that might see a dip that is magnified.","start":2393.9648,"end":2400.26,"sentiment":"neutral","sentiment_score":-0.12735723041825825},{"text":"Are you still comfortable looking at that high growth 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one in every five years.","start":2426.6099,"end":2430.3699,"sentiment":"neutral","sentiment_score":-0.30095646157860756},{"text":"And if we were to scroll down, say, reduce your risk to the growth portfolio, it has the same likelihood of negative return.","start":2430.3699,"end":2437.1099,"sentiment":"neutral","sentiment_score":-0.25791955577290576}],"sentiment":"neutral","sentiment_score":-0.2566181237956411,"channel":0,"num_words":38,"start":2424.195,"end":2437.1099},{"sentences":[{"text":"Okay.","start":2438.095,"end":2438.595,"sentiment":"neutral","sentiment_score":-0.10527952015399931}],"sentiment":"neutral","sentiment_score":-0.10527952015399931,"channel":1,"num_words":1,"start":2438.095,"end":2438.595},{"sentences":[{"text":"With the average expected returns that we're looking for or trying to obtain with this sort of portfolio, we're looking to try and get about eight to 10% compounded on a yearly basis.","start":2438.7952,"end":2448.715,"sentiment":"neutral","sentiment_score":-0.05947216100652109},{"text":"So you are looking to get a bit more returns there.","start":2448.715,"end":2451.375,"sentiment":"neutral","sentiment_score":-0.04658767140724442}],"sentiment":"neutral","sentiment_score":-0.05625103860670193,"channel":0,"num_words":44,"start":2438.7952,"end":2451.375},{"sentences":[{"text":"Mhmm.","start":2452.27,"end":2452.665,"sentiment":"neutral","sentiment_score":-0.031131554394960403}],"sentiment":"neutral","sentiment_score":-0.031131554394960403,"channel":1,"num_words":1,"start":2452.27,"end":2452.665},{"sentences":[{"text":"If you wanted to, we could start to maybe reduce the exposure.","start":2452.53,"end":2455.49,"sentiment":"neutral","sentiment_score":-0.0435098383265237},{"text":"We've moved down to the growth portfolio, which has a 80% in those growth 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downs,","start":2477.965,"end":2481.5051,"sentiment":"neutral","sentiment_score":-0.021948878715435664}],"sentiment":"neutral","sentiment_score":-0.016589376813216695,"channel":0,"num_words":103,"start":2452.53,"end":2481.5051},{"sentences":[{"text":"Okay.","start":2481.22,"end":2481.72,"sentiment":"neutral","sentiment_score":0.07896190136671066}],"sentiment":"neutral","sentiment_score":0.07896190136671066,"channel":1,"num_words":1,"start":2481.22,"end":2481.72},{"sentences":[{"text":"and your super","start":2481.645,"end":2482.605,"sentiment":"neutral","sentiment_score":0.2508663634459178}],"sentiment":"neutral","sentiment_score":0.2508663634459178,"channel":0,"num_words":3,"start":2481.645,"end":2482.605},{"sentences":[{"text":"Yeah.","start":2482.4202,"end":2482.9202,"sentiment":"neutral","sentiment_score":0.2184215486049652}],"sentiment":"neutral","sentiment_score":0.2184215486049652,"channel":1,"num_words":1,"start":2482.4202,"end":2482.9202},{"sentences":[{"text":"as a 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level?","start":2500.945,"end":2502.565,"sentiment":"neutral","sentiment_score":0.09389535635709763}],"sentiment":"neutral","sentiment_score":0.11513893608935177,"channel":0,"num_words":32,"start":2489.94,"end":2502.565},{"sentences":[{"text":"Yep.","start":2503.22,"end":2503.72,"sentiment":"neutral","sentiment_score":0.06299330294132233},{"text":"Yep.","start":2503.9402,"end":2504.4402,"sentiment":"neutral","sentiment_score":0.07538039982318878}],"sentiment":"neutral","sentiment_score":0.06918685138225555,"channel":1,"num_words":2,"start":2503.22,"end":2504.4402},{"sentences":[{"text":"Yep.","start":2503.985,"end":2504.465,"sentiment":"neutral","sentiment_score":0.15451037883758545},{"text":"Beautiful.","start":2504.465,"end":2504.965,"sentiment":"positive","sentiment_score":0.4506646990776062},{"text":"I can have a look at that.","start":2505.025,"end":2506.145,"sentiment":"neutral","sentiment_score":0.26191634365490507},{"text":"I'll go back and update the advice.","start":2506.145,"end":2507.585,"sentiment":"neutral","sentiment_score":0.16736542752810887},{"text":"And when we've got it fully ready to go after we've done the insurance side of things, then we can go through those recommendations together.","start":2507.585,"end":2513.97,"sentiment":"neutral","sentiment_score":0.13913192480802536}],"sentiment":"neutral","sentiment_score":0.1728889169852908,"channel":0,"num_words":41,"start":2503.985,"end":2513.97},{"sentences":[{"text":"I'll show that in your document.","start":2513.97,"end":2515.49,"sentiment":"neutral","sentiment_score":0.14487780382235846},{"text":"You can see what we're recommending, how and why, the advantages, the disadvantages, and the risks involved.","start":2515.49,"end":2520.79,"sentiment":"neutral","sentiment_score":0.09759632936295341},{"text":"And then as with all advice we provide, you get to decide whether you take all of it, some of it, or none of 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all?","start":2530.865,"end":2532.865,"sentiment":"neutral","sentiment_score":0.1557315703895357},{"text":"But I know I ask you everything under the sun, but is there anything","start":2532.865,"end":2535.505,"sentiment":"neutral","sentiment_score":0.07434622118515628}],"sentiment":"neutral","sentiment_score":0.12851229503750802,"channel":0,"num_words":25,"start":2529.7449,"end":2535.505},{"sentences":[{"text":"Yeah.","start":2535.46,"end":2535.8599,"sentiment":"neutral","sentiment_score":0.03841187059879303}],"sentiment":"neutral","sentiment_score":0.03841187059879303,"channel":1,"num_words":1,"start":2535.46,"end":2535.8599},{"sentences":[{"text":"you wanted","start":2535.505,"end":2535.9849,"sentiment":"neutral","sentiment_score":-0.026311632245779037}],"sentiment":"neutral","sentiment_score":-0.026311632245779037,"channel":0,"num_words":2,"start":2535.505,"end":2535.9849},{"sentences":[{"text":"No.","start":2535.8599,"end":2536.3599,"sentiment":"neutral","sentiment_score":-0.10128363966941832}],"sentiment":"neutral","sentiment_score":-0.10128363966941832,"channel":1,"num_words":1,"start":2535.8599,"end":2536.3599},{"sentences":[{"text":"to ask me at all?","start":2535.9849,"end":2537.125,"sentiment":"neutral","sentiment_score":-0.15121721774339675}],"sentiment":"neutral","sentiment_score":-0.15121721774339675,"channel":0,"num_words":5,"start":2535.9849,"end":2537.125},{"sentences":[{"text":"No.","start":2538.02,"end":2538.52,"sentiment":"neutral","sentiment_score":-0.17085996270179749},{"text":"Not yet.","start":2538.5798,"end":2539.0598,"sentiment":"neutral","sentiment_score":-0.20662026852369308},{"text":"There might be something that comes later, but I'll not at the moment.","start":2539.0598,"end":2542.395,"sentiment":"neutral","sentiment_score":-0.20853346586227417},{"text":"I can't think of anything.","start":2542.395,"end":2543.455,"sentiment":"neutral","sentiment_score":-0.2736986517906189}],"sentiment":"neutral","sentiment_score":-0.22207280071008773,"channel":1,"num_words":21,"start":2538.02,"end":2543.455},{"sentences":[{"text":"No.","start":2543.0598,"end":2543.54,"sentiment":"neutral","sentiment_score":-0.13374435901641846},{"text":"That's okay.","start":2543.54,"end":2544.42,"sentiment":"neutral","sentiment_score":-0.01730768196284771},{"text":"If you find there is, please do let me know.","start":2544.42,"end":2546.9,"sentiment":"neutral","sentiment_score":0.04605837091803551},{"text":"Not a problem 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6PM.","start":2550.98,"end":2556.305,"sentiment":"neutral","sentiment_score":0.23454497382044792},{"text":"I've added a text message","start":2556.305,"end":2557.425,"sentiment":"neutral","sentiment_score":0.14937386363744737}],"sentiment":"neutral","sentiment_score":0.250186339719221,"channel":0,"num_words":32,"start":2547.7,"end":2557.425},{"sentences":[{"text":"Yep.","start":2557.24,"end":2557.74,"sentiment":"neutral","sentiment_score":0.09261132776737212}],"sentiment":"neutral","sentiment_score":0.09261132776737212,"channel":1,"num_words":1,"start":2557.24,"end":2557.74},{"sentences":[{"text":"reminder there for you.","start":2557.425,"end":2558.385,"sentiment":"neutral","sentiment_score":0.12748810276389122},{"text":"In the meantime, I'll get","start":2558.385,"end":2559.425,"sentiment":"neutral","sentiment_score":0.0528022363781929}],"sentiment":"neutral","sentiment_score":0.0859959547718366,"channel":0,"num_words":9,"start":2557.425,"end":2559.425},{"sentences":[{"text":"Okay.","start":2559.3198,"end":2559.8198,"sentiment":"neutral","sentiment_score":0.07683081924915314}],"sentiment":"neutral","sentiment_score":0.07683081924915314,"channel":1,"num_words":1,"start":2559.3198,"end":2559.8198},{"sentences":[{"text":"cracking on this research for you, and we'll come back","start":2559.425,"end":2562.145,"sentiment":"neutral","sentiment_score":0.2123717859387398}],"sentiment":"neutral","sentiment_score":0.2123717859387398,"channel":0,"num_words":10,"start":2559.425,"end":2562.145},{"sentences":[{"text":"Mhmm.","start":2562.04,"end":2562.54,"sentiment":"neutral","sentiment_score":0.04596417397260666}],"sentiment":"neutral","sentiment_score":0.04596417397260666,"channel":1,"num_words":1,"start":2562.04,"end":2562.54},{"sentences":[{"text":"and have another conversation about the insurances after we've had a look at what we can 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ask.","start":2580.47,"end":2581.53,"sentiment":"neutral","sentiment_score":0.20432977378368378},{"text":"Okay?","start":2581.5898,"end":2582.0898,"sentiment":"neutral","sentiment_score":0.20906250178813937}],"sentiment":"neutral","sentiment_score":0.20551295578479767,"channel":0,"num_words":4,"start":2580.47,"end":2582.0898},{"sentences":[{"text":"good.","start":2581.975,"end":2582.215,"sentiment":"positive","sentiment_score":0.3867708444595337},{"text":"Okay.","start":2582.215,"end":2582.715,"sentiment":"neutral","sentiment_score":0.22512421011924744},{"text":"That that sounds","start":2583.03,"end":2583.59,"sentiment":"neutral","sentiment_score":0.33325644334157306}],"sentiment":"neutral","sentiment_score":0.32233287692070006,"channel":1,"num_words":5,"start":2581.975,"end":2583.59},{"sentences":[{"text":"K.","start":2583.525,"end":2583.765,"sentiment":"neutral","sentiment_score":0.30040425062179565}],"sentiment":"neutral","sentiment_score":0.30040425062179565,"channel":0,"num_words":1,"start":2583.525,"end":2583.765},{"sentences":[{"text":"good.","start":2583.59,"end":2584.09,"sentiment":"positive","sentiment_score":0.40410953760147095}],"sentiment":"positive","sentiment_score":0.40410953760147095,"channel":1,"num_words":1,"start":2583.59,"end":2584.09},{"sentences":[{"text":"You see?","start":2583.765,"end":2584.2449,"sentiment":"neutral","sentiment_score":0.22277837246656418},{"text":"My pleasure, Christopher.","start":2584.2449,"end":2585.365,"sentiment":"positive","sentiment_score":0.6434297561645508},{"text":"Thank you so much for your time.","start":2585.365,"end":2586.905,"sentiment":"positive","sentiment_score":0.7934746486800057}],"sentiment":"positive","sentiment_score":0.6608473795155684,"channel":0,"num_words":12,"start":2583.765,"end":2586.905},{"sentences":[{"text":"That's alright.","start":2587.35,"end":2587.83,"sentiment":"positive","sentiment_score":0.6014477014541626},{"text":"Thank you for your time.","start":2587.83,"end":2588.79,"sentiment":"positive","sentiment_score":0.7452127575874329},{"text":"Appreciate it.","start":2588.79,"end":2589.69,"sentiment":"positive","sentiment_score":0.6731154024600983}],"sentiment":"positive","sentiment_score":0.697243332862854,"channel":1,"num_words":9,"start":2587.35,"end":2589.69},{"sentences":[{"text":"Anytime.","start":2589.2048,"end":2589.7048,"sentiment":"neutral","sentiment_score":0.2842690944671631},{"text":"I'll talk to you soon.","start":2590.005,"end":2591.125,"sentiment":"neutral","sentiment_score":0.30593692064285277},{"text":"Thank you.","start":2591.125,"end":2591.785,"sentiment":"positive","sentiment_score":0.5162458717823029}],"sentiment":"positive","sentiment_score":0.3558056801557541,"channel":0,"num_words":8,"start":2589.2048,"end":2591.785},{"sentences":[{"text":"Alrighty.","start":2591.99,"end":2592.49,"sentiment":"neutral","sentiment_score":0.27929919958114624},{"text":"No worries.","start":2592.55,"end":2593.29,"sentiment":"neutral","sentiment_score":0.1974542811512947}],"sentiment":"neutral","sentiment_score":0.2247359206279119,"channel":1,"num_words":3,"start":2591.99,"end":2593.29},{"sentences":[{"text":"See you later.","start":2592.9648,"end":2593.685,"sentiment":"neutral","sentiment_score":0.26370235284169513}],"sentiment":"neutral","sentiment_score":0.26370235284169513,"channel":0,"num_words":3,"start":2592.9648,"end":2593.685},{"sentences":[{"text":"See you.","start":2593.35,"end":2594.01,"sentiment":"neutral","sentiment_score":0.24989260733127594}],"sentiment":"neutral","sentiment_score":0.24989260733127594,"channel":1,"num_words":2,"start":2593.35,"end":2594.01},{"sentences":[{"text":"Bye.","start":2593.685,"end":2594.185,"sentiment":"neutral","sentiment_score":0.1564394235610962}],"sentiment":"neutral","sentiment_score":0.1564394235610962,"channel":0,"num_words":1,"start":2593.685,"end":2594.185},{"sentences":[{"text":"Bye.","start":2594.6301,"end":2595.1301,"sentiment":"neutral","sentiment_score":-0.08241329342126846}],"sentiment":"neutral","sentiment_score":-0.08241329342126846,"channel":1,"num_words":1,"start":2594.6301,"end":2595.1301}]},"summary":{"result":"success","short":"During a call with Okey Financial, the speaker discusses the retirement of a customer's investment portfolio and suggests options for investment advice. They also discuss the benefits of life cover for retirement and income, including taxes and insurance, and suggest options for income replacement and retirement plans. The agent emphasizes the importance of pre-study and a free assessment for insurance and contracting, and offers to provide recommendations for risk reduction and follow-up conversations after the pre assessment and follow-up conversation. The speaker also mentions a meeting with the customer and provides information on upcoming pre assessment and follow-up conversations."},"intents":{"segments":[{"text":"And definitely Yep. look at switching out some of the portfolios. Not sure if you've heard in the news or anything in relation to it, but you've got the Benelon Australian Equities in your super fund that you have a fairly a large holding of them as well.","start_word":286,"end_word":333,"intents":[{"intent":"Check portfolio status","confidence_score":0.007274744}]},{"text":"So Bennelong, unfortunately, has seen a significant decline in your portfolio, and it's something that we want to obviously action and move out for you.","start_word":392,"end_word":416,"intents":[{"intent":"Decline recommendation","confidence_score":0.00019122087}]},{"text":"updating the advice and reviewing everything for you at the same time.","start_word":435,"end_word":446,"intents":[{"intent":"Update advice and review","confidence_score":0.012410285}]},{"text":"So what we wanted to do, obviously, is moving Van Along out, and the reason Van Along was initially put into your portfolio was to give you a little bit of active management there. Do you look at your super very often? Do you have a look at the investments or log in to Netwealth at all on a regular basis? I No?","start_word":449,"end_word":511,"intents":[{"intent":"Start investment review","confidence_score":0.000017228878}]},{"text":"One of the things we did talk about in the annual review last year was maybe looking at Netwealth and seeing whether it was still an appropriate investment reevaluating. Are you comfortable with me looking at Netwealth as well as other platforms that let us see if there's something cheaper that might sort Yep. of help benefit you long term?","start_word":542,"end_word":601,"intents":[{"intent":"Discuss netwealth investments","confidence_score":0.0077660168}]},{"text":"So there is a bit of a benefit to that one.","start_word":686,"end_word":696,"intents":[{"intent":"Understand benefit of benelong","confidence_score":0.0020145683}]},{"text":"Essentially, what an SMA is, it's like a managed fund. And inside that managed fund, we invest in anywhere between 10 to 50 different investment options depending on what's happening. The main kind Okay.","start_word":770,"end_word":803,"intents":[{"intent":"Explore investment options","confidence_score":0.010349882}]},{"text":"So whether we replace one option, maybe some other options there, whether we put you into the SMA, and I'll also reevaluate not only Netwealth, but all the different super funds for you.","start_word":1098,"end_word":1130,"intents":[{"intent":"Reevaluate","confidence_score":0.0082767345}]},{"text":"We can update the advice for you to reflect as well. That way, when we're ready, we'll come back. We'll show you the recommendations around what we're recommending, how, why, the advantages, disadvantages, and the risks involved so you can kinda take all that information before making your decision about whether you take on that advice. Is that okay? Yeah.","start_word":1131,"end_word":1190,"intents":[{"intent":"Update advice","confidence_score":0.8889388}]},{"text":"So it's just a matter of Yeah. going through and having it chat to all the clients and working out what your goals and objectives are and how we can update Yeah.","start_word":1284,"end_word":1315,"intents":[{"intent":"Discuss goals and objectives","confidence_score":0.11987324}]},{"text":"At the moment, Benelon, in your portfolio is down by about 20%. The returns as a dollar figure, it is down by $13,000. Yeah.","start_word":1338,"end_word":1361,"intents":[{"intent":"Determine portfolio","confidence_score":0.00078296993},{"intent":"Monitor performance","confidence_score":0.00057332875}]},{"text":"So all in all, your portfolio is doing really well. You're not down by a whole lot. I can work it out for you to show you what the physical down is when I take away all the increases. That one there.","start_word":1470,"end_word":1511,"intents":[{"intent":"Report portfolio performance","confidence_score":0.0013904487}]},{"text":"When we kinda went through things in the annual review last year, you had your life in TPD. You were happy with the sum insured there of about 593,745. Are you still happy Yep. to retain the life and TPD, not wanting to review that? Do you feel like that level of cover is still suitable? Yeah.","start_word":1864,"end_word":1920,"intents":[{"intent":"Retain an asset","confidence_score":0.00017109637}]},{"text":"Do you feel like that level of cover is still suitable?","start_word":1909,"end_word":1919,"intents":[{"intent":"Check cover level","confidence_score":0.0019589092}]},{"text":"Just having a look at the details of fact find I have here from your annual review when we spoke last year. I have it noted down that your main primary residence there, you have a loan owing or had a loan owing, sorry, of about 300,000. Has that been reduced since we last called out?","start_word":1931,"end_word":1986,"intents":[{"intent":"Check loan owings","confidence_score":0.0077163056}]},{"text":"Your balance when we spoke yeah. And your review time was a hundred and fifty nine thousand five hundred and sixty seven. As Mhmm.","start_word":2112,"end_word":2135,"intents":[{"intent":"Review account balance","confidence_score":0.009666302}]},{"text":"of today's date, your super balance is a 165,849. So while that all longs down a little bit, your balance is still increased over time with those other investment options. Okay.","start_word":2137,"end_word":2167,"intents":[{"intent":"Provide super balance","confidence_score":0.03443487}]},{"text":"Do you feel like the life and the super balance paid out would be sufficient for your family after covering those debts? Or is there something particularly you wanted your life cover to pay out in the event of passing? Yeah.","start_word":2272,"end_word":2312,"intents":[{"intent":"Inquire about lifetime insurance","confidence_score":0.000007698507},{"intent":"Clarify tbd coverage","confidence_score":0.038881727}]},{"text":"Paying out debts and providing additional income for your family.","start_word":2322,"end_word":2331,"intents":[{"intent":"Provide additional income","confidence_score":0.030855324}]},{"text":"With the TBD matter, as we kinda went through, TBD is paid out in the event of a permanent disability, and your super Mhmm. balance can be released in that instance as well. And you do have the same level or some insured as your life cover. Do you feel like that's fairly sufficient at all? No.","start_word":2335,"end_word":2391,"intents":[{"intent":"Clarify tbd policy","confidence_score":0.0008283735}]},{"text":"In the event of a TBD benefit, unfortunately, there is taxes there. Tax is paid on the benefit. It's including some insurance. So what happens with TBD is if you claim and successful with TBD, some insured of your insurance is paid to your super, and then you can draw it out from there. Unfortunately, it is a taxable payment, which I think is extremely wrong.","start_word":2420,"end_word":2485,"intents":[{"intent":"Explain tax liability","confidence_score":0.00029008533},{"intent":"Clarify tbd benefit","confidence_score":0.013023164}]},{"text":"As financial advisers, if in the event of a claim, we can set up, like, an income stream and find ways to be able to minimize the tax effect on you, but we just wanna make sure that we're, you know, honest and let you know what could be the occurrence there. Yep.","start_word":2521,"end_word":2573,"intents":[{"intent":"Set up income stream","confidence_score":0.022413533}]},{"text":"We do provide advice to serve an income stream, which can limit the tax drawdown.","start_word":2843,"end_word":2857,"intents":[{"intent":"Reduce tax drawdown","confidence_score":0.59999424}]},{"text":"We do provide advice to serve an income stream, which can limit the tax drawdown. It can reduce that Mhmm. for you. We can also do other things to provide an uplift and help to minimize the tax on that sort of things, but we just have to make sure that we're letting you know what the, you know, that it is up to 22% depending on, you know, what happens and Yeah.","start_word":2843,"end_word":2915,"intents":[{"intent":"Provide advice","confidence_score":0.15017708}]},{"text":"Did you wanna look at maybe altering the TPD benefit? Yeah.","start_word":2928,"end_word":2938,"intents":[{"intent":"Cover tbd benefit","confidence_score":0.018303763},{"intent":"Set tdb benefit","confidence_score":0.000055383756}]},{"text":"So so as an example, Yep. some people might wanna have the mortgage completely paid off so they start off completely debt free and then maybe replace a couple of years of income replacement. Yep.","start_word":3072,"end_word":3106,"intents":[{"intent":"Replace income","confidence_score":0.39953262}]},{"text":"What do Yep. you want now? $93,500 a year. $93,500. Perfect. Perfect. I'll Yep. just update that for you. Lovely.","start_word":3227,"end_word":3246,"intents":[{"intent":"Update information","confidence_score":0.33060622}]},{"text":"about the TPD benefit, what would you say you would like to maybe have paid out or covered? Yeah. Yeah.","start_word":3255,"end_word":3274,"intents":[{"intent":"Discuss tpd benefit","confidence_score":0.08485779},{"intent":"Determine coverage for debt","confidence_score":0.00058527}]},{"text":"If you like, what I could always do is I could get some quotes to find out what maybe five or ten years worth of income replacement Yep.","start_word":3483,"end_word":3510,"intents":[{"intent":"Get quotes","confidence_score":0.005142287},{"intent":"Determine income replacement","confidence_score":0.09813248}]},{"text":"We could talk about what the costing of the quotes comes out like and what you're comfortable with.","start_word":3525,"end_word":3542,"intents":[{"intent":"Discuss costing","confidence_score":0.32742742}]},{"text":"Do you find that you have much in the way of leftover funds at the end of the week or extendable income, or is everything going towards paying down your expenses, your mortgage, and your car loan?","start_word":3720,"end_word":3756,"intents":[{"intent":"Evaluate financial benefits","confidence_score":0.00022175943}]},{"text":"What would be your preference?","start_word":3837,"end_word":3841,"intents":[{"intent":"Determine preference","confidence_score":0.021183254},{"intent":"Determine preference","confidence_score":0.061374284}]},{"text":"So what I'll do is I'll go back and I'll look at getting some quotes to increase the TBD component for you.","start_word":3853,"end_word":3874,"intents":[{"intent":"Increase tdb component","confidence_score":0.12130421}]},{"text":"to work at what the need is based on covering your mortgage, your car loan, consider the tax consequences, and income replacement of five to ten years. Then we can always work out whether you're comfortable with that or whether you wanna alter it moving forward. Does that sound okay?","start_word":3879,"end_word":3928,"intents":[{"intent":"Determine need for coverage","confidence_score":0.0073032794}]},{"text":"Are you happy if I need you to make it more cost effective and cheaper, increase the life coverage to match the TBD benefit? Yep.","start_word":3964,"end_word":3988,"intents":[{"intent":"Determine need for higher coverage","confidence_score":0.00016114654}]},{"text":"Oh, I'd rather need this six weeks or so, I think. Six weeks?","start_word":4100,"end_word":4112,"intents":[{"intent":"Determine duration of coverage","confidence_score":0.021319862}]},{"text":"Now I know on the topic of insurances, there is one other type of cover we do have touch base on. It is called trauma. So trauma tends to pay out a lump sum tax free benefit in the event of a traumatic condition. So things like cancers are probably the biggest one, neurological conditions, Parkinson's, diabetes. Did you wanna maybe look at getting some trauma as well, or are you happy just with the covers you can pay inside so far?","start_word":4225,"end_word":4306,"intents":[{"intent":"Discuss outcomes and options","confidence_score":0.00037073295}]},{"text":"Now with income protection, again, you can pay it both inside and outside of super. If you pay some of your income protection or all of it outside of super, because you are protecting your income, you can claim a tax deduction on the premiums paid. Did you want me to look at that all inside Super, or are you happy to pay a little bit of income protection outside of Super out of your back pocket? Yeah.","start_word":4569,"end_word":4646,"intents":[{"intent":"Expressing desire for income protection","confidence_score":0.00044912298},{"intent":"Discussing tax deductions","confidence_score":0.047973048}]},{"text":"The other things to think about with the income protection is what's called a waiting period. This is how long you can be off work or you need to be off work prior to making a claim. They start Yep. at four weeks, and it can it can be, like, thirty days, sixty days, ninety days. Do you feel like having a shorter waiting period so you can claim sooner might be beneficial? Mhmm.","start_word":4751,"end_word":4824,"intents":[{"intent":"Discussing waiting period","confidence_score":0.13048208}]},{"text":"And there's also a a that benefit period, which is essentially how long you can be on a claim for. They start off at two years, five years, or all the way up to age 65. The longer the benefit period, the more expensive the insurance premiums are gonna be. Do you feel like this two years would be comfortable, or would you like a five year benefit period?","start_word":4835,"end_word":4903,"intents":[{"intent":"Discussing benefit periods","confidence_score":0.016362047}]},{"text":"What would you like me to look at? Yep. Yeah. I can look I don't at two know. and five if you want. Yeah. Let's do that. Yep. Yep. Perfect. All good. I'll have a look at two years and five years for you, and then Okay. we can always come back and make the adjustments. Okay.","start_word":4905,"end_word":4961,"intents":[{"intent":"Determine savings plan","confidence_score":0.00025390502}]},{"text":"Now other goals that I have here just so we are looking to update things. I have it done that you were hoping to access super and retire at around the age 60. Is that still fair where you're hoping to stop working, or do you think that might have changed? That's what I'm hoping for. Yeah. Yeah. That's okay. We can work on that. Perfect.","start_word":4963,"end_word":5028,"intents":[{"intent":"Work on goals","confidence_score":0.12614556}]},{"text":"And with Susan, your wife, is Yep. she older, younger than you, same age as you? Same age as me. Same age?","start_word":5068,"end_word":5089,"intents":[{"intent":"Determine retirement age","confidence_score":0.13199158}]},{"text":"she older, younger than you, same age as you? Same age as me. Same age?","start_word":5075,"end_word":5089,"intents":[{"intent":"Retire age","confidence_score":0.004807466}]},{"text":"Just while I'm doing the research, because you are getting closer and closer, we do factor in the retirement aspect just as kinda showing you the long term effect of the advice and where we're kinda heading there. So it is really Yep.","start_word":5161,"end_word":5203,"intents":[{"intent":"Factor in retirement","confidence_score":0.0037408464}]},{"text":"You're not salary sacrificing or making any additional contributions at the moment at all?","start_word":5251,"end_word":5264,"intents":[{"intent":"Decrease contributions","confidence_score":0.0023005344}]},{"text":"If I did need to maybe look at increasing the salary sacrifice component, is there a level that you'd be comfortable increasing it to, or would you just be comfortable, you know, to help kind of meet your goals if we told you what you needed to do? Yeah.","start_word":5590,"end_word":5638,"intents":[{"intent":"Provide salary sacrifice","confidence_score":0.0019310307}]},{"text":"I'd probably I'd be comfortable with another $100, I suppose. That's 2 Yeah.","start_word":5639,"end_word":5651,"intents":[{"intent":"Discuss savings","confidence_score":0.0020042937}]},{"text":"Obviously, we are also looking at holding some of the insurances outside of super. I'll be mindful of that, making sure that we're not eating Yep. away all your expendable income. So I can look at holding cover outside of super versus maybe sales back and looking at the differences there for you and which could provide Okay.","start_word":5678,"end_word":5735,"intents":[{"intent":"Discuss holding insurances","confidence_score":0.35470292}]},{"text":"Other assets I had here, I had your ETFs. You had about $620 in them when we spoke last year. Have you increased your investment into your ETF at all? No.","start_word":5742,"end_word":5772,"intents":[{"intent":"Discuss etfs","confidence_score":0.52150685}]},{"text":"Have you increased your investment into your ETF at all? No.","start_word":5762,"end_word":5772,"intents":[{"intent":"Discuss investment","confidence_score":0.23136218}]},{"text":"I mean, it's always sad for the next generation trying to get in, but it's great for us to own property already.","start_word":5889,"end_word":5910,"intents":[{"intent":"Discuss future ownership","confidence_score":0.009600939}]},{"text":"Given the way lending is structured with the self managed super fund is that you would have to have, with your super balance, a minimum of, say, a 20 or 30% deposit to be able Yep. to lend.","start_word":6595,"end_word":6632,"intents":[{"intent":"Assess super fund structure","confidence_score":0.024232047}]},{"text":"And often having a an investment property in your own name provides you greater tax benefits because we pay more tax in our own name than we do inside super as well. So yeah.","start_word":7106,"end_word":7139,"intents":[{"intent":"Discuss tax benefits","confidence_score":0.0078025376}]},{"text":"With the average expected returns that we're looking for or trying to obtain with this sort of portfolio, we're looking to try and get about eight to 10% compounded on a yearly basis. So you are looking to get a bit more returns there. Mhmm.","start_word":7726,"end_word":7770,"intents":[{"intent":"Discuss portfolio preferences","confidence_score":0.0009692336}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Christopher. This is Dana from Okey Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.12062394618988036},{"text":"Good. Thanks.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.4870247542858124},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.32957595586776733},{"text":"I'm very well. Thank you.","start_word":20,"end_word":24,"sentiment":"positive","sentiment_score":0.5877005457878113},{"text":"We had you booked in for a bit of a catch up this afternoon. Is now still a good time there for you? Yeah. It sure is. No worries. How's your day been so far? Yeah. It's a busy day, but it's over now, so that's good. Yeah.","start_word":25,"end_word":72,"sentiment":"neutral","sentiment_score":0.2205163538455963},{"text":"Oh, that's good. That's good.","start_word":73,"end_word":77,"sentiment":"positive","sentiment_score":0.4326151311397553},{"text":"Yeah. Before we jump into the call, like, Christopher, just to let you know, we do record these calls for quality and training purposes. Are you happy for us to proceed with that? Yeah. That's fine.","start_word":78,"end_word":113,"sentiment":"neutral","sentiment_score":0.07625797390937805},{"text":"Beautiful.","start_word":114,"end_word":114,"sentiment":"positive","sentiment_score":0.3810325264930725},{"text":"And we are discussing your personal information. So just going to do security with you. I'll just get you to confirm your full name, date of birth, and address there for me. Yeah. Christopher John Rowe, 04/25/1975, and 15 Listed Hill Street, Charlotte Park.","start_word":115,"end_word":158,"sentiment":"neutral","sentiment_score":0.07666965574026108},{"text":"Beautiful. Thank you so much for that.","start_word":159,"end_word":165,"sentiment":"positive","sentiment_score":0.5263298749923706},{"text":"I had you booked in. One of the things we discussed when we did your annual review last year was doing a bit of a catch up early this year to sort of have a a bit more of a look at what your sleep has been doing and maybe look Yep. at reassessing things there for you. We wanted to sort of touch base to let you know we had also, as of kind of late last year, noted that one of the investments has unfortunately not been performing as well, and we do definitely wanna, you know, be able to have a bit of a look at your goals and maybe update the advice there for you. Yep. And definitely Yep. look at switching out some of the portfolios. Not sure if you've heard in the news or anything in relation to it, but you've got the Benelon Australian Equities in your super fund that you have a fairly a large holding of them as well. Yep.","start_word":166,"end_word":334,"sentiment":"neutral","sentiment_score":0.04063694179058075},{"text":"As of late last year, unfortunately, one of their underlying investments, Corporate Travel, had been a bit dishonest to the market.","start_word":335,"end_word":355,"sentiment":"negative","sentiment_score":-0.4078517556190491},{"text":"They had to report on that. It came out, and then it meant that Bennelong had to reevaluate that portion of their investment. I'd also meant that analysts were going back and reevaluating Bennelong as such.","start_word":356,"end_word":391,"sentiment":"neutral","sentiment_score":-0.039632976055145264},{"text":"So Bennelong, unfortunately, has seen a significant decline in your portfolio, and it's something that we want to obviously action and move out for you.","start_word":392,"end_word":416,"sentiment":"negative","sentiment_score":-0.3786828815937042},{"text":"But we wanted to have a bit of Yep. a chat with you first, make sure we're Okay. updating the advice and reviewing everything for you at the same time. Okay. Yeah. So what we wanted to do, obviously, is moving Van Along out, and the reason Van Along was initially put into your portfolio was to give you a little bit of active management there. Do you look at your super very often? Do you have a look at the investments or log in to Netwealth at all on a regular basis? I No? I did at the start, and then, you know, I lost busy, and then you forget about it. Yeah. It said no. Good good answer. No. Yeah. No. That's okay. One of the things we did talk about in the annual review last year was maybe looking at Netwealth and seeing whether it was still an appropriate investment reevaluating. Are you comfortable with me looking at Netwealth as well as other platforms that let us see if there's something cheaper that might sort Yep. of help benefit you long term? Yep. That's Yeah.","start_word":417,"end_word":604,"sentiment":"neutral","sentiment_score":0.03605184331536293},{"text":"Fantastic. Perfect. Now it.","start_word":605,"end_word":608,"sentiment":"positive","sentiment_score":0.5841615200042725},{"text":"as it is sort of mentioned, Bennelong is more of an active management component in there for you. We have our investment committee have definitely meant to talk about what they wanna replace Bennelong with. And because it is down at the moment, by moving all your investments out and replacing a few different things if we find there is a better portfolio for you can actually offset the CGT with the fact that Benelung is down.","start_word":609,"end_word":685,"sentiment":"neutral","sentiment_score":0.1682586371898651},{"text":"So there is a bit of a benefit to that one.","start_word":686,"end_word":696,"sentiment":"positive","sentiment_score":0.34930452704429626},{"text":"What I wanted to sort of also find out was as of, like, last year, one our investment committee had utilized I'm not sure if you've ever heard of BlackRock investment firm before, but our Yep. investment committee have met up with BlackRock, and they've actually built an SMA, which is a separately managed account. If you wanted us to, we can definitely look at whether that product would be suitable for you. Essentially, what an SMA is, it's like a managed fund. And inside that managed fund, we invest in anywhere between 10 to 50 different investment options depending on what's happening. The main kind Okay. of benefit of having this SMA product would be inside that SMA, everything is passively managed as low cost index funds that are working towards your goals. But the benefit there is that if in the event something was to happen with an underlying investment, so, like, we have the issue with Bannalong that we have had recently occur, it essentially means that our investment committee can remove that investment without having to go through an updating advice. So it means that they can act a lot faster to remove underperforming investments.","start_word":697,"end_word":895,"sentiment":"neutral","sentiment_score":0.17383894324302673},{"text":"Or as markets change, because markets definitely do change and certain things become a really good investment opportunity, it means that the investment committee can make those changes on your behalf.","start_word":896,"end_word":926,"sentiment":"positive","sentiment_score":0.3353540301322937},{"text":"The only sort of downside Mhmm. to having an SMA really is that you lose a bit of visibility, and that's kind of the reason I asked a bit more about whether you access or have a look at Netwealth at all. Because, essentially, if you were to look in your super funds, you would just see how much money you have and the product, the SMA that you're in, not the separately managed account that you're in. And you don't really Mhmm. see a lot in the way of the underlying investments. That's all kinda happening in the background. Would you like me to look at something like that, which is more passively managed, maybe lower cost for you, provide that sort of a benefit of being able to be moved around for you? Yeah. I think so. Yep. Yeah. That would suit. Yeah. It would. Yeah.","start_word":927,"end_word":1074,"sentiment":"neutral","sentiment_score":-0.05699260160326958},{"text":"Beautiful.","start_word":1075,"end_word":1075,"sentiment":"positive","sentiment_score":0.8071080446243286},{"text":"I will I can also go out there, and I will also, you know, look at all the other options as well. So whether we replace one option, maybe some other options there, whether we put you into the SMA, and I'll also reevaluate not only Netwealth, but all the different super funds for you. We can update the advice for you to reflect as well. That way, when we're ready, we'll come back. We'll show you the recommendations around what we're recommending, how, why, the advantages, disadvantages, and the risks involved so you can kinda take all that information before making your decision about whether you take on that advice. Is that okay? Yeah. That's fine. Yep. Yeah. Cool. Do you have any questions about that? I'm sorry. It's quite a lot of information to go through, 9 but do 99 you have any questions 99 there at all, Safa? 99 No. 9 at this stage. Not alright. We're good. No. Uh-huh. So this is something that we had sort of noticed and kinda come into play. And as soon as we all kinda came back in January, we're like, right. We need to figure this out. We need to remove Ben along and find something else. So it's just a matter of Yeah. going through and having it chat to all the clients and working out what your goals and objectives are and how we can update Yeah. the advice to reflect there for you as well. Okay? Probably my only question is how much Yeah. money do I lose? At the moment, Benelon, in your portfolio is down by about 20%. The returns as a dollar figure, it is down by $13,000. Yeah. Yep. Okay. So my super overall is down 13,000, is it? Not necessarily. That's just that one investment. It's showing the Okay. investment itself is down by 13,000. However, your Yep.","start_word":1076,"end_word":1392,"sentiment":"neutral","sentiment_score":0.03695127367973328},{"text":"other investments have done really well.","start_word":1393,"end_word":1398,"sentiment":"positive","sentiment_score":0.3339206278324127},{"text":"So when we have a look at them individually, your physical gold is up by 53.06%. So that's the return Yep. in dollar figures of about 4,212 for the amount you have in physical gold. We've also Yep. got other investments that are up.","start_word":1399,"end_word":1442,"sentiment":"neutral","sentiment_score":0.15997198291800238},{"text":"Your European is up by 1,900.","start_word":1443,"end_word":1448,"sentiment":"positive","sentiment_score":0.36888831853866577},{"text":"You've also got Japan is up by over 1,700.","start_word":1449,"end_word":1457,"sentiment":"neutral","sentiment_score":0.3098461329936981},{"text":"The S and P 500 is up over 1,700 there as well. So all in all, your portfolio is doing really well.","start_word":1458,"end_word":1479,"sentiment":"positive","sentiment_score":0.5000483989715576},{"text":"You're not down by a whole lot. I can work it out for you to show you what the physical down is when I take away all the increases. That one there. Sorry. It won't be a second. Two. Alright. Sorry. My computer is a little bit slow at the moment. I do apologize about that. That's open. 536242. So all in all, the rest of your portfolio is showing a positive of that 9,575. So then we take away what you're slightly down by here, and it's a negative about $3,446. So while spent Okay. along in that particular portfolio showing a negative of 13,000 there, over your entire portfolio, it's only down by about 3,400. So the rest of your portfolios have more of a positive impact to limit the negative on that one. And one of the good things Okay. about utilizing that is we can utilize the loss that it has seen to offset any gains when we are reevaluating the portfolio. So your super fund essentially will have a limited tax liability to cover by maneuvering different things or changing super funds at the same time. Does that make sense? It does. Yeah. Yep. Yeah.","start_word":1480,"end_word":1679,"sentiment":"neutral","sentiment_score":0.05530546233057976},{"text":"We can essentially use that to our advantage, and the good thing is the diversification has worked with other investments being up to offset majority of that loss there Mhmm.","start_word":1680,"end_word":1709,"sentiment":"positive","sentiment_score":0.41309452056884766},{"text":"K. for you. Okay? Yeah.","start_word":1710,"end_word":1714,"sentiment":"neutral","sentiment_score":0.1422424167394638},{"text":"Perfect.","start_word":1715,"end_word":1715,"sentiment":"positive","sentiment_score":0.47914889454841614},{"text":"Does that all make sense so far? Yeah. It does. Yeah. Yep. Yep.","start_word":1716,"end_word":1728,"sentiment":"neutral","sentiment_score":0.2296738475561142},{"text":"Perfect. Perfect. So having a bit of a look, I will definitely have a look at the estimated product there for you as well as the other options there.","start_word":1729,"end_word":1757,"sentiment":"positive","sentiment_score":0.36602258682250977},{"text":"It does take a couple of weeks to do it back and do the research. Whilst we have sort of been look at this over the last couple of weeks there as well, Benelon has had a little bit of a rebound, so we certainly hope it does come back and provide more of a rebound in the interim there as well. The other thing that was really important to look at when we are looking at your super is your insurances because they are paid out of your super funds, so they do have a long term impact on your retirement there as well. Mhmm. When we kinda went through things in the annual review last year, you had your life in TPD. You were happy with the sum insured there of about 593,745. Are you still happy Yep. to retain the life and TPD, not wanting to review that? Do you feel like that level of cover is still suitable? Yeah. That's yeah. I think that's still suitable. Yeah. Yep.","start_word":1758,"end_word":1929,"sentiment":"neutral","sentiment_score":0.08272573286884052},{"text":"Perfect.","start_word":1930,"end_word":1930,"sentiment":"positive","sentiment_score":0.41076838970184326},{"text":"Just having a look at the details of fact find I have here from your annual review when we spoke last year. I have it noted down that your main primary residence there, you have a loan owing or had a loan owing, sorry, of about 300,000. Has that been reduced since we last called out? That I'd have to check. That's okay. Yeah. Is I mean, it rough we haven't that same? yeah. Mate, it it'll go down a little bit. Yeah. Couldn't tell you, though. Yep. Not No. sure. That's okay. I can leave it roughly as is. It's just sort of having Yeah. a bit of a guide there. In the Yep. event of, say, passing away, your life cover's paid out, which has that $5.93 sum insured, and that is indexed every year as well. So as it goes through renewal, that will increase. And Okay. then, also, your Netwealth Super balance is paid out there as well. So having a look, when we sort of caught up last year I'm just going back to your account. Your balance when we spoke yeah. And your review time was a hundred and fifty nine thousand five hundred and sixty seven. As Mhmm. of today's date, your super balance is a 165,849. So while that all longs down a little bit, your balance is still increased over time with those other investment options. Okay. Okay. Yep.","start_word":1931,"end_word":2168,"sentiment":"neutral","sentiment_score":0.023159919173589776},{"text":"Beautiful.","start_word":2169,"end_word":2169,"sentiment":"positive","sentiment_score":0.5764825344085693},{"text":"So, essentially, if you passed away, the life cover is paid out. You see the balance is paid on top of that. Having a bit of a look at your assets and liabilities there, that can pay off your mortgage and then leave some additional income. I've also got Mhmm. a a $54,000 loan there on your BYD. Do you still have that one? ID. Yep. Yep. Yep. And is the loan roughly still about the same? Or Again, I would hope I was paid that down a little bit, but, yep. yeah, probably the same with the interest. Yep. That's okay. Do you feel like the life and the super balance paid out would be sufficient for your family after covering those debts? Or is there something particularly you wanted your life cover to pay out in the event of passing? Yeah. No. That should be fine. Yep. That's okay. Yep. Paying out debts and providing additional income for your family. Yep. Yep.","start_word":2170,"end_word":2333,"sentiment":"neutral","sentiment_score":0.10765869915485382},{"text":"Beautiful.","start_word":2334,"end_word":2334,"sentiment":"positive","sentiment_score":0.4370605945587158},{"text":"With the TBD matter, as we kinda went through, TBD is paid out in the event of a permanent disability, and your super Mhmm. balance can be released in that instance as well. And you do have the same level or some insured as your life cover. Do you feel like that's fairly sufficient at all? No. I would hope so. It's It's hard to tell, isn't it? hard to tell. Yeah. Yeah. It is really important as we kinda do go through with everyone. In the event of a TBD benefit, unfortunately, there is taxes there. Tax is paid on the benefit. It's including some insurance. So what happens with TBD is if you claim and successful with TBD, some insured of your insurance is paid to your super, and then you can draw it out from there.","start_word":2335,"end_word":2473,"sentiment":"neutral","sentiment_score":-0.011064051650464536},{"text":"Unfortunately, it is a taxable payment, which I think is extremely wrong.","start_word":2474,"end_word":2485,"sentiment":"negative","sentiment_score":-0.5788339972496033},{"text":"I think if someone can never go back to work again due to disability, they should not have to pay tax on the amount. But the tax Mhmm.","start_word":2486,"end_word":2513,"sentiment":"neutral","sentiment_score":-0.13964955508708954},{"text":"is paid up to 22%, unfortunately.","start_word":2514,"end_word":2519,"sentiment":"negative","sentiment_score":-0.4060276448726654},{"text":"Okay. As financial advisers, if in the event of a claim, we can set up, like, an income stream and find ways to be able to minimize the tax effect on you, but we just wanna make sure that we're, you know, honest and let you know what could be the occurrence there. Yep. Did you want me to work out roughly what that might look like based on your current balance? Or Yeah. You might as well. yeah. That's okay. Yep. Sorry. Sorry. What I'm are a we bit going? vague. There's things you don't normally think about until you bring them up now, and you're like, oh, I don't No. know. That's okay. It's one of the Yeah. things I always say I talk to you about all the things you've never thought about in your entire life. Yeah. Yeah. That's right. So total balance there, so four twenty seven. Sorry. Just doing a little bit of quick math here for you. Four twenty seven eight nine five, and we'll do 22% of that. Mhmm. So it'd be roughly the tax on that full amount if deducted at the full 22% could be around about 94,136 based on current super balance and the sum insured, which if Mhmm. we took that away there. So $94.94 $1.03 6. Would leave you with an estimated amount of 333,759, which realistically would still cover the mortgage and would still leave a little bit of a buffer there. Did you wanna look Mhmm. at maybe altering the TPD benefit, or are you happy just to leave it as is at the moment at the moment with that information? Or Yeah.","start_word":2520,"end_word":2797,"sentiment":"neutral","sentiment_score":0.021435711532831192},{"text":"It kinda doesn't stand enough, does it? it is quite minimal when you think about that. Obviously, the with the tax component there, it is quite high.","start_word":2798,"end_word":2824,"sentiment":"negative","sentiment_score":-0.4683854579925537},{"text":"And if you were to make a claim, we would definitely there are things that we can do. We do provide advice to serve an income stream, which can limit the tax drawdown. It can reduce that Mhmm. for you. We can also do other things to provide an uplift and help to minimize the tax on that sort of things, but we just have to make sure that we're letting you know what the, you know, that it is up to 22% depending on, you know, what happens and Yeah. what Okay. age you are. Yeah. Yep. Okay. Completely up to you. Did you wanna look at maybe altering the TPD benefit? Yeah. I don't know enough about it. My instincts would tell me I probably should. Yeah. That's okay. So if in the event of a TPD claim, did you want Yep. to maybe look at covering the tax component and having the pay down paid after tax? Yes. Yep. Yep.","start_word":2825,"end_word":2987,"sentiment":"neutral","sentiment_score":0.1172066479921341},{"text":"That's Perfect. good.","start_word":2988,"end_word":2990,"sentiment":"positive","sentiment_score":0.543048083782196},{"text":"And if you were TBD, they never go back to work again. What would you want the funds to pay out? Because you're still living, and often on the TBD claim, people can have rehabilitation, might have to make modifications to the house, the car, things like that. Yep. What would you want your TBD benefit to pay down for you if you could never go back to work again? And then what expenses would it I wanted to cover? Yeah. So so as an example, Yep. some people might wanna have the mortgage completely paid off so they start off completely debt free and then maybe replace a couple of years of income replacement. Yep. One of the benefits to doing that is whilst your income might be I'm just having a look here. Sorry. I had your income as 83,700 Mhmm. and 50. So if you were PPD, they're not able to get back to work again by paying off the mortgage, then you don't have that expense Yeah. anymore. So you could replace, you know, five, ten, or fifteen years worth of your income and actually get double that because you're not paying your regular mortgage or payments anymore. So it allows you more expendable income. Does that make sense? It's that income Yeah. amount's wrong, but I'm That's okay. a couple What's years it out of day. that's okay. What's it now? What do Yep. you want now? $93,500 a year. $93,500.","start_word":2991,"end_word":3236,"sentiment":"neutral","sentiment_score":0.03831913582677764},{"text":"Perfect. Perfect. I'll Yep. just update that for you. Lovely. Thank you for that.","start_word":3237,"end_word":3250,"sentiment":"positive","sentiment_score":0.5156324505805969},{"text":"So That's thinking alright. about the TPD benefit, what would you say you would like to maybe have paid out or covered? Yeah. Yeah. I mean, the mortgage paid off. Yep. Yeah. Now the debt I've got is the car loan, and then, yeah, I suppose a couple years income would Mhmm. be ideal. Yeah. Yeah. That's okay. How many years income do you think you might want to suffice or cover for yourself? Yeah. No. It's not something I've thought about. I don't know. But I No. need That's to get okay. a thing. Yeah. That's What okay. what what do most people do? It's really no rule of thumb. It really just comes down to what you're after, what you want, or what you would feel comfortable. Just having Yeah. a look here. So you're married. Does your wife work at all? Yeah. She does. Yep. Yep. So if you were never able to get back to work again, do you think that and then, look, this is also the summiting depending on what the injury could be that would stop you from working. But do Yep. you think she might be able to still go to work, and what kind of income does she bring home? Yeah. Well, she's on a good weekend. So Yeah. Yeah. I don't know. I I got no idea. No. That's okay. Yeah. Yeah. If you like, what I could always do is I could get some quotes to find out what maybe five or ten years worth of income replacement Yep. like look like, and then I could always have that follow-up with you. We could talk about what the costing of the quotes comes out like and what you're comfortable with. In the meantime, you could have a think about what you're after. Does that sound okay? Mhmm. Yeah.","start_word":3251,"end_word":3559,"sentiment":"neutral","sentiment_score":0.031250724370039784},{"text":"That sounds good.","start_word":3560,"end_word":3562,"sentiment":"positive","sentiment_score":0.520524799823761},{"text":"Yep. Yep. Income replacement. So I can look at five and ten years for you. Yeah. Because, I mean, the the benefit to having the cover is that it's there to protect you and provide a benefit in the event that something was to happen to you. However, Mhmm. the more of a benefit you do have when it is paid out of super, it does also have an effect on your retirement income as well because it's it's, you know, can eat up some of your super or, you know, depending on Yep. your benefit, Okay. all of your super if you're, you know, paying too much in insurances. So it's a bit of a juggling Yep. ask with that one. Okay. Yeah. That's Alright. okay. I'm just having a quick look. I don't seem to date of birth is missing out of my section here. What's your date of birth again? 04/25/1975. 04/25/1975.","start_word":3563,"end_word":3717,"sentiment":"neutral","sentiment_score":0.03982337564229965},{"text":"Beautiful. Perfect.","start_word":3718,"end_word":3719,"sentiment":"positive","sentiment_score":0.5664421319961548},{"text":"Do you find that you have much in the way of leftover funds at the end of the week or extendable income, or is everything going towards paying down your expenses, your mortgage, and your car loan? At the moment, yeah, we we do have disposable income. Yeah. Yep.","start_word":3720,"end_word":3768,"sentiment":"neutral","sentiment_score":0.07828326523303986},{"text":"Perfect. That's combined to fill my life tonight.","start_word":3769,"end_word":3776,"sentiment":"positive","sentiment_score":0.5860238075256348},{"text":"Yeah. Yep. That's okay. Because there are definitely some awesome benefits if you're open to to paying for a little bit of TBD out of your back pocket. Are you open to paying for any of the cover maybe outside of super if there's a benefit to it for you, or did you wanna also have paid for inside super? What would be your preference? Probably inside super, I think. Yep.","start_word":3777,"end_word":3847,"sentiment":"neutral","sentiment_score":0.1778283715248108},{"text":"That's absolutely okay. Perfect.","start_word":3848,"end_word":3851,"sentiment":"positive","sentiment_score":0.4908651113510132},{"text":"So what I'll do is I'll go back and I'll look at getting some quotes to increase the TBD component for you. I'll do the math Mhmm. to work at what the need is based on covering your mortgage, your car loan, consider the tax consequences, and income replacement of five to ten years. Then we can always work out whether you're comfortable with that or whether you wanna alter it moving forward. Does that sound okay? Mhmm. Yeah.","start_word":3852,"end_word":3930,"sentiment":"neutral","sentiment_score":0.1388241946697235},{"text":"That sounds okay. Beautiful. I can also look at because when we link life and TPD together, both so boosting up life and keeping it linked to TPD makes it more cost effective. Are you happy if I need you to make it more cost effective and cheaper, increase the life coverage to match the TBD benefit?","start_word":3931,"end_word":3987,"sentiment":"positive","sentiment_score":0.4594023823738098},{"text":"Yep. Yep.","start_word":3988,"end_word":3989,"sentiment":"neutral","sentiment_score":0.13091012835502625},{"text":"That sounds Yeah. good. Perfect.","start_word":3990,"end_word":3994,"sentiment":"positive","sentiment_score":0.4870128929615021},{"text":"The other thing I do have here is that you don't have any income protection. I know we did kinda talk about this before. You were comfortable in your annual review not seeking income protection. If you were not able to go to work in the short term due to illness or injury, do you have a lot of long service leave, annual leave, or sick leave that you could fall back on? I've got a bit of sick leave up. Holidays? No. Not really. I've just used them all. Yep. No. That's okay. Yeah. How much sick leave do you think you might have? Oh, I'd rather need this six weeks or so, I think. Six weeks? Yep. That's okay. Yep. I know because, you know, given your age and the older we get, obviously, the insurances are more expensive as well. But did you want me Yeah. to look at what income protection might cost for you as well, or are you happy just with life and TBD? Yeah. Maybe let's look at it. I think yeah. Yeah. Yeah.","start_word":3995,"end_word":4175,"sentiment":"neutral","sentiment_score":-0.0743260607123375},{"text":"Perfect.","start_word":4176,"end_word":4176,"sentiment":"positive","sentiment_score":0.5298492908477783},{"text":"Yep.","start_word":4177,"end_word":4177,"sentiment":"neutral","sentiment_score":0.3134366273880005},{"text":"I can do that. I'll just I can organize the quotes there for you, then we can always touch base again and have a really good chat about the outcome, what's expected, and you can let me know what you wanna proceed with.","start_word":4178,"end_word":4220,"sentiment":"positive","sentiment_score":0.4779912746229837},{"text":"Okay? Okay.","start_word":4221,"end_word":4222,"sentiment":"neutral","sentiment_score":0.18637287616729736},{"text":"Yep. Perfect.","start_word":4223,"end_word":4224,"sentiment":"positive","sentiment_score":0.4838648736476898},{"text":"Now I know on the topic of insurances, there is one other type of cover we do have touch base on. It is called trauma. So trauma tends to pay out a lump sum tax free benefit in the event of a traumatic condition. So things like cancers are probably the biggest one, neurological conditions, Parkinson's, diabetes. Did you wanna maybe look at getting some trauma as well, or are you happy just with the covers you can pay inside so far? Actually, yeah. Okay. I should look at the trauma one. Yep. Some trauma? Yep.","start_word":4225,"end_word":4320,"sentiment":"neutral","sentiment_score":0.0823998898267746},{"text":"Perfect.","start_word":4321,"end_word":4321,"sentiment":"positive","sentiment_score":0.3775870203971863},{"text":"In the event of, say, one of those traumatic diagnoses, is there a certain amount on a weekly or monthly basis you might be comfortable paying out of your back pocket, or did you want me to look at a certain level of cover? Again, I don't know. I don't know what I don't That's know what okay. it it cost. Yeah. That's okay. So trauma can be fairly cheap. If you like, what I could do is I could maybe look at one to two years worth of gross income for you. And then Okay. when we come back and touch base, I can go through what the expected cost might look like, and you can let me know what your thoughts are there. Does that sound okay? Okay. Yeah.","start_word":4322,"end_word":4452,"sentiment":"neutral","sentiment_score":0.07615989446640015},{"text":"That sounds good.","start_word":4453,"end_word":4455,"sentiment":"positive","sentiment_score":0.5342397689819336},{"text":"Yeah.","start_word":4456,"end_word":4456,"sentiment":"neutral","sentiment_score":0.3184605836868286},{"text":"Perfect.","start_word":4457,"end_word":4457,"sentiment":"positive","sentiment_score":0.4173322021961212},{"text":"Sorry. As I said, I asked you all the questions you've never thought about. Yeah. I'm sorry. I have the handsets for No. You are absolutely fine. It's really good to have these conversations, and they keep revisiting them too because, I mean, what you sort of did or didn't want tomorrow or last year can definitely change in the future.","start_word":4458,"end_word":4518,"sentiment":"neutral","sentiment_score":0.1865953505039215},{"text":"So it's always good to revisit things.","start_word":4519,"end_word":4525,"sentiment":"positive","sentiment_score":0.3792310357093811},{"text":"It also tends him. to open up the thought process and what it is that you're actually after, what you want, and your goals can change, which is really important to revisit too.","start_word":4526,"end_word":4558,"sentiment":"neutral","sentiment_score":0.1909963344082688},{"text":"So it's good to Yep. have these conversations. Yeah. Perfect.","start_word":4559,"end_word":4568,"sentiment":"positive","sentiment_score":0.4298280477523804},{"text":"Now with income protection, again, you can pay it both inside and outside of super. If you pay some of your income protection or all of it outside of super, because you are protecting your income, you can claim a tax deduction on the premiums paid. Did you want me to look at that all inside Super, or are you happy to pay a little bit of income protection outside of Super out of your back pocket? Yeah. I suppose you guys tax savings is probably Yep. worth having a look at. Yep. Yep.","start_word":4569,"end_word":4662,"sentiment":"neutral","sentiment_score":0.15580447018146515},{"text":"Perfect. I can have a look at those for you. Beautiful. What I can even do is Mhmm.","start_word":4663,"end_word":4680,"sentiment":"positive","sentiment_score":0.41261717677116394},{"text":"once I've kinda got the quotes there, I can always send them to you via email, and then I can book in a time just to catch up Okay. with you as well, and we can go through and talk about the email. That way, you've seen it before I start throwing numbers at you. Does that sound like a good idea? Yep. Yeah.","start_word":4681,"end_word":4744,"sentiment":"neutral","sentiment_score":0.214546337723732},{"text":"Sounds good to me.","start_word":4745,"end_word":4748,"sentiment":"positive","sentiment_score":0.3409244120121002},{"text":"Yep. Perfect. The other things to think about with the income protection is what's called a waiting period. This is how long you can be off work or you need to be off work prior to making a claim. They start Yep. at four weeks, and it can it can be, like, thirty days, sixty days, ninety days. Do you feel like having a shorter waiting period so you can claim sooner might be beneficial? Mhmm. I think so. Yeah. Yep. Yep. Perfect. Thirty days.","start_word":4749,"end_word":4833,"sentiment":"neutral","sentiment_score":0.06763352453708649},{"text":"Beautiful.","start_word":4834,"end_word":4834,"sentiment":"positive","sentiment_score":0.3754029273986816},{"text":"And there's also a a that benefit period, which is essentially how long you can be on a claim for. They start off at two years, five years, or all the way up to age 65. The longer the benefit period, the more expensive the insurance premiums are gonna be. Do you feel like this two years would be comfortable, or would you like a five year benefit period? What would you like me to look at? Yep. Yeah. I can look I don't at two know. and five if you want. Yeah. Let's do that. Yep. Yep.","start_word":4835,"end_word":4932,"sentiment":"neutral","sentiment_score":0.02068189485948913},{"text":"Perfect. All good.","start_word":4933,"end_word":4935,"sentiment":"positive","sentiment_score":0.6599480509757996},{"text":"I'll have a look at two years and five years for you, and then Okay. we can always come back and make the adjustments. Okay. Yep.","start_word":4936,"end_word":4961,"sentiment":"neutral","sentiment_score":0.24427419900894165},{"text":"Perfect.","start_word":4962,"end_word":4962,"sentiment":"positive","sentiment_score":0.4774020314216614},{"text":"Now other goals that I have here just so we are looking to update things. I have it done that you were hoping to access super and retire at around the age 60. Is that still fair where you're hoping to stop working, or do you think that might have changed? That's what I'm hoping for. Yeah. Yeah. That's okay. We can work on that.","start_word":4963,"end_word":5027,"sentiment":"neutral","sentiment_score":0.07206131517887115},{"text":"Perfect.","start_word":5028,"end_word":5028,"sentiment":"positive","sentiment_score":0.55274897813797},{"text":"And Yep. in retirement income of about $1,000 a week, you're still working on that, or do you have a bit of a different goal for income wise? Yeah. I think that would be a goal. Yep. Perfect. Yep. And with Susan, your wife, is Yep. she older, younger than you, same age as you? Same age as me. Same age? Beautiful. Is she Yep. hoping to retire about the same time? Yeah. Probably. She's got quite a lot more super than I do, so she's probably Okay. capable of doing it. Yep. Yep. That's okay. Do you know roughly what her balance might be? It's about 400,000. Okay.","start_word":5029,"end_word":5137,"sentiment":"neutral","sentiment_score":0.07052935659885406},{"text":"Perfect. Lovely.","start_word":5138,"end_word":5139,"sentiment":"positive","sentiment_score":0.4043608009815216},{"text":"And what kind of income is she on at the moment? She's on about 160 a year, I think. Okay. Perfect. Just while I'm doing the research, because you are getting closer and closer, we do factor in the retirement aspect just as kinda showing you the long term effect of the advice and where we're kinda heading there. So it is really Yep. important when you do have a partner and a spouse that we do add some considerations for, you know, them to to as much of an extent as we possibly can for you. Okay? Mhmm. Yep. Okay.","start_word":5140,"end_word":5240,"sentiment":"neutral","sentiment_score":0.12421168386936188},{"text":"Perfect. Excellent.","start_word":5241,"end_word":5242,"sentiment":"positive","sentiment_score":0.51434725522995},{"text":"I've got your income up there to 93,500. You're not salary sacrificing or making any additional contributions at the moment at all? The Super AM. Yeah. Just super? Okay. So sorry. Yep. Let me just go back That's to your right. account there. I might have missed that. I do apologize. Let's have a look. Sorry. Just logging back in. There we go. Ah, there we go. Salary sacrifice. Okay. So I've got looking at the last 12 there. K. So it looks like you've recently started contributing. Is that right for salary sacrifice? Yeah. It's probably been about fifteen weeks been doing it. Yep. Yep.","start_word":5243,"end_word":5348,"sentiment":"neutral","sentiment_score":0.031211405992507935},{"text":"Perfect.","start_word":5349,"end_word":5349,"sentiment":"positive","sentiment_score":0.41592201590538025},{"text":"So I can see here there's two contributions that have been made in the last twelve months. So one is for five Yeah. $100, and one is for $300. They were both made in January. How much Okay. have have you asked your employer to contribute out of your pay on a weekly basis? Yeah. Yeah. A $100 a week. $100 a week. Okay.","start_word":5350,"end_word":5413,"sentiment":"neutral","sentiment_score":0.08341087400913239},{"text":"Perfect.","start_word":5414,"end_word":5414,"sentiment":"positive","sentiment_score":0.3812873661518097},{"text":"Yeah.","start_word":5415,"end_word":5415,"sentiment":"neutral","sentiment_score":0.3033202588558197},{"text":"Lovely.","start_word":5416,"end_word":5416,"sentiment":"positive","sentiment_score":0.4952103793621063},{"text":"It looks like one of those, he kept a little bit longer and had to put it in as a lump sum. But that's okay. They Okay. they can still do that. That's not a problem at all. Are Yep. you happy to keep it at the same amount, or did you wanna maybe look at increasing that if there's more of a benefit there, or you're happy just with a 100 Yeah. dollars Yeah. Yeah. Yeah. I mean, like, obviously, there's a, like, a benefit to putting more in per than week? Mhmm. I'm in a position I can. So Yep.","start_word":5417,"end_word":5518,"sentiment":"neutral","sentiment_score":0.16716033220291138},{"text":"Perfect.","start_word":5519,"end_word":5519,"sentiment":"positive","sentiment_score":0.3652404546737671},{"text":"Do you know roughly how much you're saving or have expendable income at the end of the week when you get your pay? It fluctuates in various week to week. Okay. I think it's it's probably about $5 a month. Yep. Yep. That you have available for, like, savings? Yeah. Yeah. I mean, we're at the moment, we're Yep. currently just putting it straight onto the mortgage. So Yep.","start_word":5520,"end_word":5588,"sentiment":"neutral","sentiment_score":0.04779050869199083},{"text":"Perfect.","start_word":5589,"end_word":5589,"sentiment":"positive","sentiment_score":0.49700039625167847},{"text":"If I did need to maybe look at increasing the salary sacrifice component, is there a level that you'd be comfortable increasing it to, or would you just be comfortable, you know, to help kind of meet your goals if we told you what you needed to do? Yeah. I'd probably I'd be comfortable with another $100, I suppose. That's 2 Yeah. 100 Another dollars a hundred week. per week. Yep. Perfect. Yep.","start_word":5590,"end_word":5662,"sentiment":"neutral","sentiment_score":0.049002427607774734},{"text":"Perfect. Excellent. I'll go and have a bit of a look at that for you.","start_word":5663,"end_word":5677,"sentiment":"positive","sentiment_score":0.38907355070114136},{"text":"Obviously, we are also looking at holding some of the insurances outside of super. I'll be mindful of that, making sure that we're not eating Yep. away all your expendable income. So I can look at holding cover outside of super versus maybe sales back and looking at the differences there for you and which could provide Okay. greater benefit. Okay? Yep. Okay. Perfect. Other assets I had here, I had your ETFs. You had about $620 in them when we spoke last year. Have you increased your investment into your ETF at all? No. I haven't put anymore in. It has grown, Yep. but I haven't put anymore in. That's okay. Do you know what is roughly valued at at the moment? That's $7.27 40, something like that. I know it changes daily. Yeah. It It's does. over It 7 does. 100. Yeah. Yeah. Yeah. Cool. I've also got your credit card down. It had a $7,500 limit. Do you still have the same limit on the card? Yeah. Beautiful. Your main primary residence and asset value there of 1,060,000, is that still the same, or do you think that would have changed? No. It's about 1.4 now. It's Oh, the perfect. property around here has gone nuts.","start_word":5678,"end_word":5886,"sentiment":"neutral","sentiment_score":-0.0018208492547273636},{"text":"That's fantastic.","start_word":5887,"end_word":5888,"sentiment":"positive","sentiment_score":0.3503502905368805},{"text":"I mean, it's always sad for the next generation trying to get in, but it's great for us to own property already. With your vehicle there, the BYD, I had an asset value for about 62,000. Do you think that value might have increased, decreased, or altered at all, or keep it the No. same? It's probably increased a little bit. I've made a couple of upgrades to it. And Yep. That's okay. What yeah. do you think you put on it? Probably about 75. 75? Perfect. Yep.","start_word":5889,"end_word":5976,"sentiment":"neutral","sentiment_score":-0.008882631082087755},{"text":"Excellent.","start_word":5977,"end_word":5977,"sentiment":"positive","sentiment_score":0.5136306285858154},{"text":"I've got contents value of about 50,000. We'd keep that about the same, do you think? Yeah. About the same.","start_word":5978,"end_word":5997,"sentiment":"neutral","sentiment_score":0.18586502969264984},{"text":"Beautiful.","start_word":5998,"end_word":5998,"sentiment":"positive","sentiment_score":0.3835846781730652},{"text":"And your Mazda CX five at about 15,000? Yep. Yep.","start_word":5999,"end_word":6008,"sentiment":"neutral","sentiment_score":0.13371367752552032},{"text":"Beautiful.","start_word":6009,"end_word":6009,"sentiment":"positive","sentiment_score":0.43905338644981384},{"text":"And that was incorporated into the home loan for purchasing. And then I've also got your bikes, plural, Yep. with an asset value combined of about 45,000. Is that fairly accurate? Yeah. I see it right. Yep. Yep.","start_word":6010,"end_word":6047,"sentiment":"neutral","sentiment_score":0.12467732280492784},{"text":"Perfect. All good.","start_word":6048,"end_word":6050,"sentiment":"positive","sentiment_score":0.4074859619140625},{"text":"Now because we are looking at altering the insurances, it is really important that we do also maybe look at doing a pre assessment with you. It has been a while since we've completed one. Is there maybe Mhmm. a day that one of my beautiful admin team could give you a call and run through a quick free assessment? Is this a couple of health questions to kind of understand what we can expect from altering the insurances and what sort of contracts might be offered for you? Yeah. We can do that. Probably, Yep. we'd have to be after five, though. Yeah. That's Just absolutely wanna fine. work. We're here Yep. normally until about seven Queensland time, so our last calls Okay. are around about 6PM Queensland time to make it easier. Yep. Yep. Yep. That Perfect. would work. Is there a day this week or next probably? Sorry. Next week that might suit you better. I'm so sorry. Next week. Any day, but Friday. Yep. Any day for Friday? Perfect. Well, if I was to pop it in for maybe Monday, say, 6PM Queensland time, would that be okay, or did you want 05:00 Queensland time? Yep. Six would be better. Yep.","start_word":6051,"end_word":6255,"sentiment":"neutral","sentiment_score":0.02543493596518912},{"text":"Six would be better. Beautiful. Lovely. I've popped it in there.","start_word":6256,"end_word":6266,"sentiment":"positive","sentiment_score":0.4725799560546875},{"text":"One of my beautiful admin team will give you a call, run through a bit of a pre assessment there with you. I'll add a text message reminder so it sends you a message about half an hour prior just to remind you that I'll be giving you a call. If something pops up, please let me know. Once we've got the details of the pre assessment, I can do the research with my team, having a look at the insurance side of things. I'll come back and have a chat to you about those once I've got the insurances sorted, and then I'll Mhmm. go back and do the research on the super and the super funds there for you. I can also look at whether it's gonna be a better benefit for having a TBD or the income protection oh, sorry. The income sorry. The income protection or the trauma paid out of pocket as opposed to increasing salary sacrifice and sort of work out what to do there. Is there anything that I might have missed? Is that kind of everything that we're comfortable looking at the moment? Yeah. I did I did have a question. There's been a Yeah. bit of stuff popping up recently about using your super to Mhmm. purchase investment properties and stuff like that. Yep. What's what's your opinion on that? Absolutely. That's a really good question. I have seen quite a lot on that as well. It essentially Yeah. is that you in order for you to do that, you need to have what's called a self managed super fund. So it's a little bit more complex than what you have at the moment, but you can't Mhmm. actually have anything to do with the property. It's gotta be what's called an arm point transaction. One of the Okay. biggest things that we like to make sure everyone is aware that you can't access or use the property. Given the way lending is structured with the self managed super fund is that you would have to have, with your super balance, a minimum of, say, a 20 or 30% deposit to be able Yep. to lend. Mhmm. So your balance is a little bit low. We normally don't recommend anyone open a self funded super fund until their balance is at least 300,000, either that by Okay. themselves or combined with someone else. The biggest Mhmm. thing to also consider is that as under a self managed super fund, it is exactly what is in the name. It is self managed. So you become the trustee, which means you need to be more hands on, having a look at everything, dealing with your account a little bit closer.","start_word":6267,"end_word":6723,"sentiment":"neutral","sentiment_score":0.007634529085316302},{"text":"And it can be a bit more costly as well because there is a lot more to it, a lot more compliance.","start_word":6724,"end_word":6745,"sentiment":"negative","sentiment_score":-0.367689847946167},{"text":"It's gotta be have it in tax return every year. It's gotta have an audit done on it. All these things that normally happen in a super fund where the trustee looks after, they would all be put more towards yourself, and you would have to do that. You sorta have to pay out of the fund for those sorts of things. So it is a little bit Yep. more complex. As advisers, we can provide advice in that area for you, but I'd be sort of wanting to sort of build your super fund a little bit more in order to do that. The other thing I do like to bring up is Mhmm. when we are looking at lending in these sorts of trust structures, you are looking at a thirty year loan. So given you're 51 this year, is that right? Yep. Yeah. Sorry. Just wanna make sure. I'm always cautious with everyone's age. I don't wanna make anyone older than they really are. Okay. Essentially, when we are looking at the lending aspect, when we buy for our main primary residence, we all normally have a thirty year loan. And we can normally, depending on the type of loan, be adding additional contributions into that. When we're looking at Yes. a self managed super fund, again, we do often look at a thirty year loan, but we can't be making additional contributions to pay the loan down faster. The way the loan is assessed is your employer contributions, any salary sacrifice you make between you and any other members of the fund. So we can't just pay money into it willy nilly to pay the loan down because it's all considered a contribution. So there is a lot of rules and regulations around doing so.","start_word":6746,"end_word":7044,"sentiment":"neutral","sentiment_score":-0.05204568750203204},{"text":"It is a great structure Yep.","start_word":7045,"end_word":7050,"sentiment":"positive","sentiment_score":0.35668420791625977},{"text":"and can be really wonderful to have, but I do sort of find when you balance the sorry. Under that $300,000 mark and when we are older, like in our fifties, we maybe don't wanna work for the next thirty years, it can Mhmm. often be not the best sort of structure to look at. And often having a an investment property in your own name provides you greater tax benefits because we pay more tax in our own name than we do inside super as well. So yeah. Yep. Hope that answers that question.","start_word":7051,"end_word":7145,"sentiment":"neutral","sentiment_score":0.015375661663711073},{"text":"Perfect.","start_word":7146,"end_word":7146,"sentiment":"positive","sentiment_score":0.3431898355484009},{"text":"Yep. All good. But now, look, if you ever have more questions about that sort of thing, please come and let me know. It is something I really Mhmm. enjoy talking about, and we can advise in that area. Just because we can doesn't mean we're going to, but it is always, you know, able for you to come and have those conversations and ask because if they've seen something that's interesting for you. If we're not sure what it is, we can go and investigate it and come up with some answers to help you out. K. Perfect. Oh, I don't good. think I'll worry about that one, though, for now. So that's Yeah. all good. No. That's okay. That's not a problem at all.","start_word":7147,"end_word":7272,"sentiment":"neutral","sentiment_score":0.10322093963623048},{"text":"It's it's great that you brought it up. It's fantastic.","start_word":7273,"end_word":7282,"sentiment":"positive","sentiment_score":0.6331213712692261},{"text":"You know? Now when you see Yep. those ads, you'd be like, I know what that is. Yeah. Yep. No. Perfect. The only last thing I wanted to touch base on was the estate planning side of things. In the event Mhmm. of passing, so with your your super and your life insurance, I'm assuming you would like all of that paid to your wife. Is that right? That's right. Yep. Yeah.","start_word":7283,"end_word":7354,"sentiment":"neutral","sentiment_score":0.08722264961236054},{"text":"Perfect.","start_word":7355,"end_word":7355,"sentiment":"positive","sentiment_score":0.470916211605072},{"text":"And have you guys spoken to a source of that or had a will drawn up in the past at We have. Yes. all? Yep. Yep. Perfect. Just having a quick look back at the last fax line we had from last year. So it says that you guys had it done in 2020. Is that right? That sounds right. Yes. That sounds about Yeah. right.","start_word":7356,"end_word":7421,"sentiment":"neutral","sentiment_score":0.10023827850818634},{"text":"All good.","start_word":7422,"end_word":7423,"sentiment":"positive","sentiment_score":0.4071013927459717},{"text":"And Yeah. it's all still fairly it would be fairly right to your circumstances or relevant? Yeah. Still relevant. Yep. Yep.","start_word":7424,"end_word":7444,"sentiment":"neutral","sentiment_score":0.14382456243038175},{"text":"Perfect. All good.","start_word":7445,"end_word":7447,"sentiment":"positive","sentiment_score":0.4770126938819885},{"text":"Well, what we'll do is if it is a recommendation to alter or change the super fund, we'll make sure we also establish a recommendation for estate planning and the beneficiary nominations to make sure we're covering all your bases there. But other than that, that's everything I needed to go through. Oh, wait. Sorry. The only other thing I had here was your risk profile. I do apologize. I missed that one. Last year, when we touched base, we did the risk profile questionnaire. You had come out as a high growth investor. Obviously, Yep. the high growth investor is where you see that 90% invested in growth assets. You're trying to take on a bit more risk to or paying greater potential returns there. However, it is taking Mhmm. on a bit more risk. So you can see as your balance increases, market fluctuations that might see a dip that is magnified. Are you still comfortable looking at that high growth environment? Did you feel like you wanted to start reducing the risk level a bit? Yeah. What do you suggest? Well, having a look at things, the high growth environment does someone who has at least eight years before they're wanting to access their super. So having a look at things at the moment, even at the age of 60, you're 51 this year, you've still got about nine years. So you do fit within Yep. that category there. The likelihood of a negative return is one in every five years. And if we were to scroll down, say, reduce your risk to the growth portfolio, it has the same likelihood of negative return. Okay. With the average expected returns that we're looking for or trying to obtain with this sort of portfolio, we're looking to try and get about eight to 10% compounded on a yearly basis. So you are looking to get a bit more returns there. Mhmm. If you wanted to, we could start to maybe reduce the exposure. We've moved down to the growth portfolio, which has a 80% in those growth investments. We're still trying to obtain greater potential returns, but it's just increasing the defensive component a bit and pulling back the risk level by about 10%. Realistically, if you're agent stage, you could stay in the high growth portfolio for one more year and sort of see how you're feeling, or we could start to pull you back a little bit. It just comes down to how you feel about the markets, the ups and downs, Okay. and your super Yeah. as a whole. Yeah.","start_word":7448,"end_word":7882,"sentiment":"neutral","sentiment_score":-0.03965704326314488},{"text":"I'm happy to I I graduate for another year.","start_word":7883,"end_word":7891,"sentiment":"positive","sentiment_score":0.6149078607559204},{"text":"Yep.","start_word":7892,"end_word":7892,"sentiment":"neutral","sentiment_score":0.26020532846450806},{"text":"Perfect.","start_word":7893,"end_word":7893,"sentiment":"positive","sentiment_score":0.4046161472797394},{"text":"Not a Yep. problem at all. Well, I can look at that separately managed account and other portfolios that keep that 90% growth investment, 10% defensive investment split for you. You're comfortable with that level? Yep. Yep. Yep.","start_word":7894,"end_word":7931,"sentiment":"neutral","sentiment_score":0.11230380833148956},{"text":"Beautiful.","start_word":7932,"end_word":7932,"sentiment":"positive","sentiment_score":0.4506646990776062},{"text":"I can have a look at that. I'll go back and update the advice. And when we've got it fully ready to go after we've done the insurance side of things, then we can go through those recommendations together. I'll show that in your document. You can see what we're recommending, how and why, the advantages, the disadvantages, and the risks involved. And then as with all advice we provide, you get to decide whether you take all of it, some of it, or none of it. Does that sound okay? Yep.","start_word":7933,"end_word":8024,"sentiment":"neutral","sentiment_score":0.13332447409629822},{"text":"That sounds good.","start_word":8025,"end_word":8027,"sentiment":"positive","sentiment_score":0.4734489917755127},{"text":"Yep.","start_word":8028,"end_word":8028,"sentiment":"neutral","sentiment_score":0.2741438150405884},{"text":"Perfect.","start_word":8029,"end_word":8029,"sentiment":"positive","sentiment_score":0.4962323307991028},{"text":"Do you have any questions for me at all? But I know I ask you everything under the sun, but is there anything Yeah. you wanted No. to ask me at all? No. Not yet. There might be something that comes later, but I'll not at the moment. I can't think of anything. No. That's okay. If you find there is, please do let me know. Not a problem at Yep. all.","start_word":8030,"end_word":8101,"sentiment":"neutral","sentiment_score":-0.020412494738896687},{"text":"All good. Well, that's everything there.","start_word":8102,"end_word":8107,"sentiment":"positive","sentiment_score":0.3808980584144592},{"text":"I've got you booked in for next Monday, which is the March 2 to have your pre assessment at 6PM. I've added a text message Yep. reminder there for you. In the meantime, I'll get Okay. cracking on this research for you, and we'll come back Mhmm. and have another conversation about the insurances after we've had a look at what we can do. Okay. Okay.","start_word":8108,"end_word":8173,"sentiment":"neutral","sentiment_score":0.16139763593673706},{"text":"Alright. That sounds Beautiful. Thank you so much for your time. I really appreciate it.","start_word":8174,"end_word":8188,"sentiment":"positive","sentiment_score":0.735704779624939},{"text":"If there is anything that pops up question wise, just let the team know. They'll happily either find out if I'm available on the spot or book you in. They'll always ask. Okay?","start_word":8189,"end_word":8221,"sentiment":"neutral","sentiment_score":0.2687671184539795},{"text":"good.","start_word":8222,"end_word":8222,"sentiment":"positive","sentiment_score":0.3867708444595337},{"text":"Okay. That that sounds K.","start_word":8223,"end_word":8227,"sentiment":"neutral","sentiment_score":0.29297518730163574},{"text":"good.","start_word":8228,"end_word":8228,"sentiment":"positive","sentiment_score":0.40410953760147095},{"text":"You see?","start_word":8229,"end_word":8230,"sentiment":"neutral","sentiment_score":0.2233274877071381},{"text":"My pleasure, Christopher. Thank you so much for your time. That's alright. Thank you for your time. Appreciate it.","start_word":8231,"end_word":8249,"sentiment":"positive","sentiment_score":0.7018849849700928},{"text":"Anytime. I'll talk to you soon.","start_word":8250,"end_word":8255,"sentiment":"neutral","sentiment_score":0.2841845452785492},{"text":"Thank you.","start_word":8256,"end_word":8257,"sentiment":"positive","sentiment_score":0.5109550952911377},{"text":"Alrighty. No worries. See you later. See you. Bye. Bye.","start_word":8258,"end_word":8267,"sentiment":"neutral","sentiment_score":0.22422249615192413}],"average":{"sentiment":"neutral","sentiment_score":0.07115261825960048}}}}