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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. That's exactly what I have here. And how's your morning been so far? Been busy or just kind of getting started? Well, I will try not to keep you for for too long. I essentially had you booked because I I know you had your annual review with my colleague, Michelle. I think it was at December. And at that time, you had a couple of questions in regards to your income protection policy. Is that right? Yeah. So what is it that you, I guess, want to review on your income protection? Is there anything specific? Or Yep. So you have a little bit different. So you have three policies at the moment with MetLife. So you have your life cover. So that is obviously if something were to happen to you, that will then be paid out to your loved ones. So pretty straightforward. You have about 1,106,700 worth of that. You also have your key PD. So that is your total permanent disability insurance. So that is if you are totally and permanently disabled, yep, and can never go back to work again, same amount that you insured for. The buyback option, how it works is that when we, put together your insurance policy to make it cheaper for you, the way that it's structured is that you have your life and CPD policy linked. Basically, what that means is that, let's say, you were to claim on total permanent disability, that would cancel your life policy. But then we've added, yeah, we've added that buyback option. So, basically, that means after twelve months, your life cover will be reinstated. So it'll still be there. It's just that twelve month period while it's getting reinstated. And having it does that make sense? Yeah. It's just kind of a way to to structure it to make the policy cheapest because the insurers, they offer, like, multi policy discounts. So having them kind of structured together, it makes it a lot cheaper for you than if you were to have them back as two separate policy. Yeah. So that's what that buyback option is. So that's in regards through the TPD and the like. Separate to that, you have your income protection. So the income protection, it will pay you it acts as a income replacement if you are temporarily unable to go back to work. So it's not the the total permanent. It's just temporarily if something happens, you can't go back to work, and it's designed to give you a monthly replacement. Now you can have up to 70% of your income covered. That is the max you can have on a new policy. And you currently have a 90 waiting period. Yeah. So you would have to wait yeah. Exactly. So the the benefit period, I'm not sure if maybe that's where you were kind of I had some questions because you can have, obviously, a higher amount than what you currently have. So at the moment, you are correct. So at the moment, you are covered for 4,695, which is a little bit under than, obviously, your income at the moment. But if you wanna increase it, it is correct. You'd have to pay more for it. And because the insurance side of it, they will be like, okay. Well, we are taking on more risk. So you would have to go through, you know, that under underwriting process again with MetLife. Mhmm. So it's up to you if you want to look at increasing it. If you feel like that 4,695, if that isn't enough, we can look at increase it. Or if you, you know, feel like the the 4,695 to cover your income is still doable for your family, and you're obviously happy with the premium, then we can leave it as is as well. Yeah. Yes. Perfect. Yes. So if something were to happen, you would get that payment on a monthly basis. Yeah. You would kind of go back to doc to the doctors kind of regularly through, you know, assess that you're still unable to go back to work, but it is a monthly replacement. The other through, like, the life and TPD is like a lump sum that gets paid at once, whereas income is that monthly replacement for for up to two years for you. Yep. Perfect. And that is all paid from within your hub 24, so you don't pay for it out of pocket. Yep. Perfect. Did you have any other questions with income protection or insurances at all or just no? Yeah. Yeah. Okay. Perfect. You know, if anything does change and you do wanna revisit it, you know, just give us a call, and we can always run through that process with you. Yeah. Yeah. Yes. Yeah. From from HAP twenty four? Yeah. You you don't have to worry about that. They just send that automatically. Sometimes it can be confusing. They just send that automatically because, obviously, your employer will pay contributions going into superannuation. And when it gets contributed into superannuation, it gets reinvested into your portfolio. So it's just showing transactions and stuff like that when it happens. It can be a little bit confusing. You don't have to action or do anything. It all comes in the back end when your contributions do come in there. And if you have, you know, insurances Okay. So let me go into your account. Sorry. Because they just send it automatically to you when the transaction happens, I can't see that in front of me, but I can log in to your account and have a little look. Do you have your hub twenty four? Like, do you have the app on your mobile phone or anything like that? Do you keep an eye on your super a bit? Yeah. Yeah. I typically find because I use Hub 24 for my personal super as well, and I just have the, like, the Hub 24 app on my mobile phone. I found that the easiest. Yeah. So, typically, if you go into transactions, that's when you can see see it a bit more clearly what's happened. So I'll try to go into your account now and have a little look. So you can go into something that's called cash transaction, and that's when you when you can see it. So, for example, I can see that on the fifth of this month, you had two deposits from your work. So heat and control PTY LCD. Yep. So you had 1,532 and 47¢ deposited for that, and then you also had another $400 deposited. So it kind of shows what what goes in. And then you had adviser fee come out in Feb as well, transaction fees for your portfolio, and then you had a little interest added to your account up for $9. And then underneath that, I can see then the transaction movement of your investment. Now so if it is sometimes a slight amount because I can't really see that report, but sometimes if it is, like, your contributions going in because they get taxed at 15%, that's maybe why it's a little bit different if it shows slightly different. Yeah. But that's obviously a lot cheaper than your marginal tax rate, which is great, and that's what makes it so tax effective. So, yeah, sometimes it can be a bit confusing. So I I typically go in through that transaction statement and have a look because that gives you a bit more yeah. Because it shows you kind of, you know, the credit and the debit and GST amounts and then balance and stuff, and it can kind of show a bit more clearly what's happened and what comes in and what comes out. Because sometimes those reports, yeah, they can be a little bit messy. Yeah. Yeah. Now, Carl, while I do have you on the phone, I do wanna just check as well because it looks like we are waiting on your beneficiary forms to come back. Did you ah, perfect. Yep. I mean yep. No. That's okay. Did you have any questions in regards no. That's okay. I always just remind because you obviously wanna make sure that, you know, we have it on file if something were to happen. So I just wanted to see if you needed a resend or anything, but that's great that you're in the process of filling it out. If you do have any questions on how to complete it or who to nominate or anything like that, just just let us know. Yep. Yep. Perfect. Great. Any yeah. No. You go. I was going to say it also looks like the ID we have on file for you expired on the December 19. Did you get any license by any chance? Yes. Okay. Perfect. So what I might get the team to do is just to send you a bit of an email. And then when you have a moment, if you can just take a photo of the front and the back of your license and send through just so we can keep that on file for you when you do have a moment. Yep. Perfect. And what was your question? Yeah. And your review pack? Yes. Yes. Yep. Yeah. So with BlackRock, we've launched an SMA as well. So it's kind of a self managed account. So we work with them on creating some investment options as well for clients. So, basically, how it's a little bit different. So you know when you go in Hub 24 at the moment, you can see all your individual investments and how you are invested. Now the SMA works a little bit different in that you would only typically see that you're invested in one SMA. And so whatever that name might be, you will just see the one option. So you're not you're not necessarily will know all the individual investments. You can still see them, but it's not as visible, I guess. And the benefit with the SMA is that if there is a particular investment that we currently have you in, for example, that is not doing well or we foresee it's not doing At the moment, the way things would work if we need to swap it out is that we would, you know, do your SOA and your and your research and everything like that presented to you. You would have to always let us know you're happy to go ahead with the change, then we can authorize the the change for you. With the SMA, it is a little bit different. It kind of takes away the paperwork a little bit because it gives us the flexibility that within the SMA, we can kind of chop and change the investment without you having to be involved in it. So it cuts out yeah. It it can make it quicker if it is something that we, let's say, quickly have to make a decision on because it smooths up the process on on doing that, and it would just kind of happen more in the back end. Do you kind of prefer something like that, like, where we have that more flexibility of chopping and changing, Or do you like having that full visibility? Yeah. Well, I can definitely I can put together some research for you so I can do a comparison of, okay, what what's it like currently and compare that with you know, if we move you into the SMA, how that will change things. I will also, yeah, I will also factor in because by making switches, we would have to sell down some of your investments and it over. So by doing so, especially if your investments have gone up, there will be some capital gains tax associated with it. But I would I would calculate that and, you know, let you know what that would look like before, obviously, deciding if that would be suitable for you or not. So for me to do that research, I do wanna just check as well because we have different portfolios for different risk profiles. So at the moment, we have you invested in a growth portfolio. So, typically, we see about, you know, 80% in your growth investment. So that is your Australian shares, international shares, property, and stuff like that to try to maximize the growth for you. And then you do have about 20% in your more defensive investment. So, like, your cash, your gold, your fixed interest, for example. And it's, yeah, it's basically decide to try to, you know, maximize growth as much as possible, but still wanting to have a little bit of that defensive proportion to it. And, typically, when we are looking at a appropriate time frame because, obviously, your your super will grow. That's the focus, but you will see a bit of fluctuations as well. In the growth portfolio, we wanna allow about five years minimum until retirement. So making sure you have enough time in the market. So at the moment, at least you have more than five years until you can access your super at the moment. So a time frame point of view, it's suitable for you as long as you are comfortable seeing, you know, a bit of fluctuations in order to get you there. Does does that all make sense? Are you happy to stay within, like, you know, the same kind of risk profile? Just look at, you know, different options? Yep. Okay. Perfect. Now at the moment as well, sorry, because I'll do put a a comparison, a forecast up for you. At the moment, do you know when you would like to access Super? Yeah. Sorry. Because you can you can access super if you if you stop working, you can access super completely tax free at the age of 60. If you would like to keep working, 65, or if you're eligible for age pension at 67. So do you think if you can, you'd like to take it at 60, or do you think you'd work a bit longer? Yeah. Like, 65? Yeah. Okay. Perfect. Do you have a kind of time frame guide to work with? And I do have here an ideal income per week at around 1,300. Is that still, you know, the goal for you, do you think, if you were to take 1,300 per week from super? Yep. Perfect. And let me see here. With your superannuation, I have that your goals is just to tryna grow it as much as possible for you to have the best retirement and then kind of have your children set up as well. So you don't really have to worry too much. That's still the same? Yep. Yep. Okay. Great. Perfect. Now with your contributions into super, because I'll factor that in as well. So I can see here that there's a bit of a difference between your income, so your base income, and then your total income. Did you get quite a lot of bonus and overtime? Yeah? Okay. So I have here so what's your base income? Your base income? 120? It's the same? Okay. And then I have here that total income is about 200,000. Yes. Yeah. Okay. Perfect. And now do you know if your employer pays contributions on your base income, or do they factor in, you know, overtime and stuff like that as well? Just so I can get all the Not sure? Yeah. Typically, it is that sometimes they include it on overtime and stuff, just not really bone bonuses. Yep. Yeah. Perfect. So around do you think on the 200,000, they would pay the 12 percent on? Yep? Okay. I can kind of cross reference a little bit on so sorry. When did you get the the bonus to say, or when did you change role? Was that before that yes. Okay. So contributions that's kind of come into your account this year should be kind of up to date with the new income? Yeah. Okay. Because I can use that as well to kinda cross reference the math just to see. And are you making salary sacrifice or anything like that as well? Yes. Now I can see it's changed a little bit. So in Feb, I saw $400. And then in Jan, there was $500 coming in. Let me see if I can go back a little bit further. Then in December, there was 400. Do you typically and then December was 400 as well. So we just had an additional 100 in January. So do you typically do $400 a month? Yep. Okay. What are you thinking of increasing it through? Yeah? Would you like me when I do the research to show you, like, to increase it to $4.50, just making sure you're not exceeding any contribution caps and stuff like that. Okay. Okay. Perfect. Okay. Yeah. So about you're looking at doing about $600 a month? Yeah. Okay. Perfect. So would you like me to factor that in into the research to show you, you know, to increase your salary sacrifice to 150 a week? Yep. Okay. Perfect. And I do have here as well here here at the moment that it doesn't look like you're saving anything on a weekly basis. You guys would be saving a little bit then, I presume, per week. Yeah. Do you know roughly how much you save? Because, obviously, salary sacrificing more will obviously impact your take home pay. Yeah. Okay. But to cover, like, bills and expenses and living living costs, you guys are fine. Like, you have that kind of buffer buffer? Yeah. Okay. Great. Perfect. And your you don't have any other, like, enterprise bargain agreements or anything like that with your employer? It's kind of like that standard 12%. Yep. Yep. Alright. Perfect. Well, I'll go and have a a look at this for you. I'll compare the SMA for you, and then I'll also have a review of your current portfolio as well just to see if there's any other tweaks we wanna make otherwise. Now and you obviously said you're happy with your insurances, so we're not touching them at the moment. You're sorting out your estate planning. Is there anything else you want me to research or have a look at for you at the moment, or is it mainly just, like, the the super and having a look at the estimate? Yeah. Yeah. Alright. Perfect. We'll leave that with me. It might take a week or two potentially, probably more likely around three weeks or so for me to get all these research together. As soon as I have it, I will give you a call, run through how that would change for you, and then you can obviously let me know if it's something that you want to go ahead with or not. Yep. Perfect. Would you have any other questions for me before I let you go otherwise? No? Yep. Alright. Perfect. Well, I will let you go, and enjoy the rest your day, and I look forward to speaking with you soon again. Thanks. 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morning. Is this Carl? This is Veronica from IT Financial. How are you this morning? That's good.\n\nI had you booked in for a quick catch up. Is not still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nPerfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect.\n\nThat's exactly what I have here. And how's your morning been so far? Been busy or just kind of getting started? Well, I will try not to keep you for for too long. I essentially had you booked because I I know you had your annual review with my colleague, Michelle.\n\nI think it was at December. And at that time, you had a couple of questions in regards to your income protection policy. Is that right? Yeah. So what is it that you, I guess, want to review on your income protection?\n\nIs there anything specific? Or Yep. So you have a little bit different. So you have three policies at the moment with MetLife. So you have your life cover.\n\nSo that is obviously if something were to happen to you, that will then be paid out to your loved ones. So pretty straightforward. You have about 1,106,700 worth of that. You also have your key PD. So that is your total permanent disability insurance.\n\nSo that is if you are totally and permanently disabled, yep, and can never go back to work again, same amount that you insured for. The buyback option, how it works is that when we, put together your insurance policy to make it cheaper for you, the way that it's structured is that you have your life and CPD policy linked. Basically, what that means is that, let's say, you were to claim on total permanent disability, that would cancel your life policy. But then we've added, yeah, we've added that buyback option. So, basically, that means after twelve months, your life cover will be reinstated.\n\nSo it'll still be there. It's just that twelve month period while it's getting reinstated. And having it does that make sense? Yeah. It's just kind of a way to to structure it to make the policy cheapest because the insurers, they offer, like, multi policy discounts.\n\nSo having them kind of structured together, it makes it a lot cheaper for you than if you were to have them back as two separate policy. Yeah. So that's what that buyback option is. So that's in regards through the TPD and the like. Separate to that, you have your income protection.\n\nSo the income protection, it will pay you it acts as a income replacement if you are temporarily unable to go back to work. So it's not the the total permanent. It's just temporarily if something happens, you can't go back to work, and it's designed to give you a monthly replacement. Now you can have up to 70% of your income covered. That is the max you can have on a new policy.\n\nAnd you currently have a 90 waiting period. Yeah. So you would have to wait yeah. Exactly. So the the benefit period, I'm not sure if maybe that's where you were kind of I had some questions because you can have, obviously, a higher amount than what you currently have.\n\nSo at the moment, you are correct. So at the moment, you are covered for 4,695, which is a little bit under than, obviously, your income at the moment. But if you wanna increase it, it is correct. You'd have to pay more for it. And because the insurance side of it, they will be like, okay.\n\nWell, we are taking on more risk. So you would have to go through, you know, that under underwriting process again with MetLife. Mhmm. So it's up to you if you want to look at increasing it. If you feel like that 4,695, if that isn't enough, we can look at increase it.\n\nOr if you, you know, feel like the the 4,695 to cover your income is still doable for your family, and you're obviously happy with the premium, then we can leave it as is as well. Yeah. Yes. Perfect. Yes.\n\nSo if something were to happen, you would get that payment on a monthly basis. Yeah. You would kind of go back to doc to the doctors kind of regularly through, you know, assess that you're still unable to go back to work, but it is a monthly replacement. The other through, like, the life and TPD is like a lump sum that gets paid at once, whereas income is that monthly replacement for for up to two years for you. Yep.\n\nPerfect. And that is all paid from within your hub 24, so you don't pay for it out of pocket. Yep. Perfect. Did you have any other questions with income protection or insurances at all or just no?\n\nYeah. Yeah. Okay. Perfect. You know, if anything does change and you do wanna revisit it, you know, just give us a call, and we can always run through that process with you.\n\nYeah. Yeah. Yes. Yeah. From from HAP twenty four?\n\nYeah. You you don't have to worry about that. They just send that automatically. Sometimes it can be confusing. They just send that automatically because, obviously, your employer will pay contributions going into superannuation.\n\nAnd when it gets contributed into superannuation, it gets reinvested into your portfolio. So it's just showing transactions and stuff like that when it happens. It can be a little bit confusing. You don't have to action or do anything. It all comes in the back end when your contributions do come in there.\n\nAnd if you have, you know, insurances Okay. So let me go into your account. Sorry. Because they just send it automatically to you when the transaction happens, I can't see that in front of me, but I can log in to your account and have a little look. Do you have your hub twenty four?\n\nLike, do you have the app on your mobile phone or anything like that? Do you keep an eye on your super a bit? Yeah. Yeah. I typically find because I use Hub 24 for my personal super as well, and I just have the, like, the Hub 24 app on my mobile phone.\n\nI found that the easiest. Yeah. So, typically, if you go into transactions, that's when you can see see it a bit more clearly what's happened. So I'll try to go into your account now and have a little look. So you can go into something that's called cash transaction, and that's when you when you can see it.\n\nSo, for example, I can see that on the fifth of this month, you had two deposits from your work. So heat and control PTY LCD. Yep. So you had 1,532 and 47¢ deposited for that, and then you also had another $400 deposited. So it kind of shows what what goes in.\n\nAnd then you had adviser fee come out in Feb as well, transaction fees for your portfolio, and then you had a little interest added to your account up for $9. And then underneath that, I can see then the transaction movement of your investment. Now so if it is sometimes a slight amount because I can't really see that report, but sometimes if it is, like, your contributions going in because they get taxed at 15%, that's maybe why it's a little bit different if it shows slightly different. Yeah. But that's obviously a lot cheaper than your marginal tax rate, which is great, and that's what makes it so tax effective.\n\nSo, yeah, sometimes it can be a bit confusing. So I I typically go in through that transaction statement and have a look because that gives you a bit more yeah. Because it shows you kind of, you know, the credit and the debit and GST amounts and then balance and stuff, and it can kind of show a bit more clearly what's happened and what comes in and what comes out. Because sometimes those reports, yeah, they can be a little bit messy. Yeah.\n\nYeah. Now, Carl, while I do have you on the phone, I do wanna just check as well because it looks like we are waiting on your beneficiary forms to come back. Did you ah, perfect. Yep. I mean yep.\n\nNo. That's okay. Did you have any questions in regards no. That's okay. I always just remind because you obviously wanna make sure that, you know, we have it on file if something were to happen.\n\nSo I just wanted to see if you needed a resend or anything, but that's great that you're in the process of filling it out. If you do have any questions on how to complete it or who to nominate or anything like that, just just let us know. Yep. Yep. Perfect.\n\nGreat. Any yeah. No. You go. I was going to say it also looks like the ID we have on file for you expired on the December 19.\n\nDid you get any license by any chance? Yes. Okay. Perfect. So what I might get the team to do is just to send you a bit of an email.\n\nAnd then when you have a moment, if you can just take a photo of the front and the back of your license and send through just so we can keep that on file for you when you do have a moment. Yep. Perfect. And what was your question? Yeah.\n\nAnd your review pack? Yes. Yes. Yep. Yeah.\n\nSo with BlackRock, we've launched an SMA as well. So it's kind of a self managed account. So we work with them on creating some investment options as well for clients. So, basically, how it's a little bit different. So you know when you go in Hub 24 at the moment, you can see all your individual investments and how you are invested.\n\nNow the SMA works a little bit different in that you would only typically see that you're invested in one SMA. And so whatever that name might be, you will just see the one option. So you're not you're not necessarily will know all the individual investments. You can still see them, but it's not as visible, I guess. And the benefit with the SMA is that if there is a particular investment that we currently have you in, for example, that is not doing well or we foresee it's not doing At the moment, the way things would work if we need to swap it out is that we would, you know, do your SOA and your and your research and everything like that presented to you.\n\nYou would have to always let us know you're happy to go ahead with the change, then we can authorize the the change for you. With the SMA, it is a little bit different. It kind of takes away the paperwork a little bit because it gives us the flexibility that within the SMA, we can kind of chop and change the investment without you having to be involved in it. So it cuts out yeah. It it can make it quicker if it is something that we, let's say, quickly have to make a decision on because it smooths up the process on on doing that, and it would just kind of happen more in the back end.\n\nDo you kind of prefer something like that, like, where we have that more flexibility of chopping and changing, Or do you like having that full visibility? Yeah. Well, I can definitely I can put together some research for you so I can do a comparison of, okay, what what's it like currently and compare that with you know, if we move you into the SMA, how that will change things. I will also, yeah, I will also factor in because by making switches, we would have to sell down some of your investments and it over. So by doing so, especially if your investments have gone up, there will be some capital gains tax associated with it.\n\nBut I would I would calculate that and, you know, let you know what that would look like before, obviously, deciding if that would be suitable for you or not. So for me to do that research, I do wanna just check as well because we have different portfolios for different risk profiles. So at the moment, we have you invested in a growth portfolio. So, typically, we see about, you know, 80% in your growth investment. So that is your Australian shares, international shares, property, and stuff like that to try to maximize the growth for you.\n\nAnd then you do have about 20% in your more defensive investment. So, like, your cash, your gold, your fixed interest, for example. And it's, yeah, it's basically decide to try to, you know, maximize growth as much as possible, but still wanting to have a little bit of that defensive proportion to it. And, typically, when we are looking at a appropriate time frame because, obviously, your your super will grow. That's the focus, but you will see a bit of fluctuations as well.\n\nIn the growth portfolio, we wanna allow about five years minimum until retirement. So making sure you have enough time in the market. So at the moment, at least you have more than five years until you can access your super at the moment. So a time frame point of view, it's suitable for you as long as you are comfortable seeing, you know, a bit of fluctuations in order to get you there. Does does that all make sense?\n\nAre you happy to stay within, like, you know, the same kind of risk profile? Just look at, you know, different options? Yep. Okay. Perfect.\n\nNow at the moment as well, sorry, because I'll do put a a comparison, a forecast up for you. At the moment, do you know when you would like to access Super? Yeah. Sorry. Because you can you can access super if you if you stop working, you can access super completely tax free at the age of 60.\n\nIf you would like to keep working, 65, or if you're eligible for age pension at 67. So do you think if you can, you'd like to take it at 60, or do you think you'd work a bit longer? Yeah. Like, 65? Yeah.\n\nOkay. Perfect. Do you have a kind of time frame guide to work with? And I do have here an ideal income per week at around 1,300. Is that still, you know, the goal for you, do you think, if you were to take 1,300 per week from super?\n\nYep. Perfect. And let me see here. With your superannuation, I have that your goals is just to tryna grow it as much as possible for you to have the best retirement and then kind of have your children set up as well. So you don't really have to worry too much.\n\nThat's still the same? Yep. Yep. Okay. Great.\n\nPerfect. Now with your contributions into super, because I'll factor that in as well. So I can see here that there's a bit of a difference between your income, so your base income, and then your total income. Did you get quite a lot of bonus and overtime? Yeah?\n\nOkay. So I have here so what's your base income? Your base income? 120? It's the same?\n\nOkay. And then I have here that total income is about 200,000. Yes. Yeah. Okay.\n\nPerfect. And now do you know if your employer pays contributions on your base income, or do they factor in, you know, overtime and stuff like that as well? Just so I can get all the Not sure? Yeah. Typically, it is that sometimes they include it on overtime and stuff, just not really bone bonuses.\n\nYep. Yeah. Perfect. So around do you think on the 200,000, they would pay the 12 percent on? Yep?\n\nOkay. I can kind of cross reference a little bit on so sorry. When did you get the the bonus to say, or when did you change role? Was that before that yes. Okay.\n\nSo contributions that's kind of come into your account this year should be kind of up to date with the new income? Yeah. Okay. Because I can use that as well to kinda cross reference the math just to see. And are you making salary sacrifice or anything like that as well?\n\nYes. Now I can see it's changed a little bit. So in Feb, I saw $400. And then in Jan, there was $500 coming in. Let me see if I can go back a little bit further.\n\nThen in December, there was 400. Do you typically and then December was 400 as well. So we just had an additional 100 in January. So do you typically do $400 a month? Yep.\n\nOkay. What are you thinking of increasing it through? Yeah? Would you like me when I do the research to show you, like, to increase it to $4.50, just making sure you're not exceeding any contribution caps and stuff like that. Okay.\n\nOkay. Perfect. Okay. Yeah. So about you're looking at doing about $600 a month?\n\nYeah. Okay. Perfect. So would you like me to factor that in into the research to show you, you know, to increase your salary sacrifice to 150 a week? Yep.\n\nOkay. Perfect. And I do have here as well here here at the moment that it doesn't look like you're saving anything on a weekly basis. You guys would be saving a little bit then, I presume, per week. Yeah.\n\nDo you know roughly how much you save? Because, obviously, salary sacrificing more will obviously impact your take home pay. Yeah. Okay. But to cover, like, bills and expenses and living living costs, you guys are fine.\n\nLike, you have that kind of buffer buffer? Yeah. Okay. Great. Perfect.\n\nAnd your you don't have any other, like, enterprise bargain agreements or anything like that with your employer? It's kind of like that standard 12%. Yep. Yep. Alright.\n\nPerfect. Well, I'll go and have a a look at this for you. I'll compare the SMA for you, and then I'll also have a review of your current portfolio as well just to see if there's any other tweaks we wanna make otherwise. Now and you obviously said you're happy with your insurances, so we're not touching them at the moment. You're sorting out your estate planning.\n\nIs there anything else you want me to research or have a look at for you at the moment, or is it mainly just, like, the the super and having a look at the estimate? Yeah. Yeah. Alright. Perfect.\n\nWe'll leave that with me. It might take a week or two potentially, probably more likely around three weeks or so for me to get all these research together. As soon as I have it, I will give you a call, run through how that would change for you, and then you can obviously let me know if it's something that you want to go ahead with or not. Yep. Perfect.\n\nWould you have any other questions for me before I let you go otherwise? No? Yep. Alright. Perfect.\n\nWell, I will let you go, and enjoy the rest your day, and I look forward to speaking with you soon again. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":0.1926148757338524},{"text":"Is this Carl?","start":3.04,"end":3.78,"sentiment":"neutral","sentiment_score":0.11216879139343898},{"text":"This is Veronica from IT Financial.","start":5.6,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.13857168952624002},{"text":"How are you this morning?","start":7.8399997,"end":8.9,"sentiment":"neutral","sentiment_score":0.15779474079608918},{"text":"That's good.","start":11.04,"end":11.78,"sentiment":"positive","sentiment_score":0.5581656694412231}],"sentiment":"neutral","sentiment_score":0.192137294759353,"num_words":18,"start":2.48,"end":11.78},{"sentences":[{"text":"I had you booked in for a quick catch up.","start":12.48,"end":14.48,"sentiment":"neutral","sentiment_score":0.12382998317480087},{"text":"Is not still a good time for you?","start":14.48,"end":17.615,"sentiment":"neutral","sentiment_score":-0.142929058521986},{"text":"Yep.","start":17.615,"end":18.015,"sentiment":"neutral","sentiment_score":0.06029238551855087},{"text":"Perfect.","start":18.015,"end":18.515,"sentiment":"neutral","sentiment_score":0.24402746558189392},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":18.974998,"end":25.875,"sentiment":"neutral","sentiment_score":0.026064758574397398}],"sentiment":"neutral","sentiment_score":0.023572759455716123,"num_words":49,"start":12.48,"end":25.875},{"sentences":[{"text":"Perfect.","start":27.695,"end":28.195,"sentiment":"neutral","sentiment_score":0.23118716478347776},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":28.255,"end":37.09,"sentiment":"neutral","sentiment_score":0.07295102382508609},{"text":"Yep.","start":42.67,"end":43.17,"sentiment":"neutral","sentiment_score":0.015796709805727005},{"text":"Yep.","start":44.51,"end":44.83,"sentiment":"neutral","sentiment_score":0.1035066470503807},{"text":"Perfect.","start":44.83,"end":45.309998,"sentiment":"positive","sentiment_score":0.4584025740623474}],"sentiment":"neutral","sentiment_score":0.09018732383847236,"num_words":30,"start":27.695,"end":45.309998},{"sentences":[{"text":"That's exactly what I have here.","start":45.309998,"end":46.935,"sentiment":"positive","sentiment_score":0.48316436509291333},{"text":"And how's your morning been so far?","start":46.935,"end":48.775,"sentiment":"neutral","sentiment_score":0.11258929967880249},{"text":"Been busy or just kind of getting started?","start":48.775,"end":50.875,"sentiment":"neutral","sentiment_score":-0.0050233297515660524},{"text":"Well, I will try not to keep you for for too long.","start":54.055,"end":56.955,"sentiment":"neutral","sentiment_score":-0.10931019127989809},{"text":"I essentially had you booked because I I know you had your annual review with my colleague, Michelle.","start":57.735,"end":63.1,"sentiment":"neutral","sentiment_score":0.04000749563177427}],"sentiment":"neutral","sentiment_score":0.0599085740452888,"num_words":51,"start":45.309998,"end":63.1},{"sentences":[{"text":"I think it was at December.","start":63.88,"end":65.9,"sentiment":"neutral","sentiment_score":0.0286019379273057},{"text":"And at that time, you had a couple of questions in regards to your income protection policy.","start":66.6,"end":71.34,"sentiment":"neutral","sentiment_score":0.009804323644322507},{"text":"Is that right?","start":71.4,"end":72.3,"sentiment":"neutral","sentiment_score":0.03004533362885316},{"text":"Yeah.","start":74.92,"end":75.42,"sentiment":"neutral","sentiment_score":-0.0019874731078743935},{"text":"So what is it that you, I guess, want to review on your income protection?","start":76.68,"end":81.314995,"sentiment":"neutral","sentiment_score":-0.011441712888578573}],"sentiment":"neutral","sentiment_score":0.006066856284936269,"num_words":42,"start":63.88,"end":81.314995},{"sentences":[{"text":"Is there anything specific?","start":81.375,"end":82.994995,"sentiment":"neutral","sentiment_score":-0.014863627962768078},{"text":"Or Yep.","start":83.375,"end":90.57,"sentiment":"neutral","sentiment_score":-0.008670699782669544},{"text":"So you have a little bit different.","start":95.85,"end":98.09,"sentiment":"neutral","sentiment_score":-0.05039482271032674},{"text":"So you have three policies at the moment with MetLife.","start":98.09,"end":100.41,"sentiment":"neutral","sentiment_score":-0.016337903309613468},{"text":"So you have your life cover.","start":100.41,"end":101.79,"sentiment":"neutral","sentiment_score":-0.004356297043462594}],"sentiment":"neutral","sentiment_score":-0.02134746502571065,"num_words":29,"start":81.375,"end":101.79},{"sentences":[{"text":"So that is obviously if something were to happen to you, that will then be paid out to your loved ones.","start":101.93,"end":106.955,"sentiment":"neutral","sentiment_score":-0.00033510937577202205},{"text":"So pretty straightforward.","start":106.955,"end":107.854996,"sentiment":"neutral","sentiment_score":0.12733172873655954},{"text":"You have about 1,106,700 worth of that.","start":107.915,"end":112.895,"sentiment":"neutral","sentiment_score":0.025158912475619997},{"text":"You also have your key PD.","start":113.915,"end":116.395,"sentiment":"neutral","sentiment_score":0.024542440970738728},{"text":"So that is your total permanent disability insurance.","start":116.395,"end":119.420006,"sentiment":"neutral","sentiment_score":0.013120186515152454}],"sentiment":"neutral","sentiment_score":0.01785080921318796,"num_words":45,"start":101.93,"end":119.420006},{"sentences":[{"text":"So that is if you are totally and permanently disabled, yep, and can never go back to work again, same amount that you insured for.","start":119.64,"end":127.340004,"sentiment":"neutral","sentiment_score":-0.04908659502863884},{"text":"The buyback option, how it works is that when we, put together your insurance policy to make it cheaper for you, the way that it's structured is that you have your life and CPD policy linked.","start":127.8,"end":141.09499,"sentiment":"neutral","sentiment_score":0.1691926054449545},{"text":"Basically, what that means is that, let's say, you were to claim on total permanent disability, that would cancel your life policy.","start":141.635,"end":149.76,"sentiment":"neutral","sentiment_score":-0.003783475099639459},{"text":"But then we've added, yeah, we've added that buyback option.","start":150.22,"end":154.06,"sentiment":"neutral","sentiment_score":0.21139480993151666},{"text":"So, basically, that means after twelve months, your life cover will be reinstated.","start":154.06,"end":158.4,"sentiment":"neutral","sentiment_score":0.16856169872559035}],"sentiment":"neutral","sentiment_score":0.08571493066847324,"num_words":106,"start":119.64,"end":158.4},{"sentences":[{"text":"So it'll still be there.","start":158.78,"end":159.57999,"sentiment":"neutral","sentiment_score":0.2633467674255371},{"text":"It's just that twelve month period while it's getting reinstated.","start":159.57999,"end":163.435,"sentiment":"neutral","sentiment_score":0.1316640593111515},{"text":"And having it does that make sense?","start":164.215,"end":167.035,"sentiment":"neutral","sentiment_score":0.1965289158480508},{"text":"Yeah.","start":169.175,"end":169.675,"sentiment":"neutral","sentiment_score":0.29301339387893677},{"text":"It's just kind of a way to to structure it to make the policy cheapest because the insurers, they offer, like, multi policy discounts.","start":170.375,"end":178.54001,"sentiment":"positive","sentiment_score":0.42859316368897754}],"sentiment":"neutral","sentiment_score":0.31038991837425434,"num_words":47,"start":158.78,"end":178.54001},{"sentences":[{"text":"So having them kind of structured together, it makes it a lot cheaper for you than if you were to have them back as two separate policy.","start":178.6,"end":186.62,"sentiment":"positive","sentiment_score":0.38772690020225664},{"text":"Yeah.","start":188.28,"end":188.78,"sentiment":"neutral","sentiment_score":0.14423638582229614},{"text":"So that's what that buyback option is.","start":188.84,"end":190.64499,"sentiment":"neutral","sentiment_score":0.18195327052048274},{"text":"So that's in regards through the TPD and the like.","start":190.64499,"end":193.625,"sentiment":"neutral","sentiment_score":0.09580219984054565},{"text":"Separate to that, you have your income protection.","start":195.045,"end":197.305,"sentiment":"neutral","sentiment_score":0.07773865712806582}],"sentiment":"neutral","sentiment_score":0.25408428000672806,"num_words":53,"start":178.6,"end":197.305},{"sentences":[{"text":"So the income protection, it will pay you it acts as a income replacement if you are temporarily unable to go back to work.","start":197.44499,"end":207.41,"sentiment":"neutral","sentiment_score":0.05688679699475566},{"text":"So it's not the the total permanent.","start":207.47,"end":209.15,"sentiment":"neutral","sentiment_score":-0.009155904608113425},{"text":"It's just temporarily if something happens, you can't go back to work, and it's designed to give you a monthly replacement.","start":209.15,"end":216.405,"sentiment":"neutral","sentiment_score":0.07573300890535825},{"text":"Now you can have up to 70% of your income covered.","start":216.545,"end":221.445,"sentiment":"neutral","sentiment_score":0.20789651979099621},{"text":"That is the max you can have on a new policy.","start":223.10501,"end":225.685,"sentiment":"neutral","sentiment_score":0.16256731003522873}],"sentiment":"neutral","sentiment_score":0.0941444204151127,"num_words":74,"start":197.44499,"end":225.685},{"sentences":[{"text":"And you currently have a 90 waiting period.","start":227.905,"end":231.7,"sentiment":"neutral","sentiment_score":0.04757945192977786},{"text":"Yeah.","start":232.40001,"end":232.8,"sentiment":"neutral","sentiment_score":0.030902249738574028},{"text":"So you would have to wait yeah.","start":232.8,"end":235.04001,"sentiment":"neutral","sentiment_score":0.01099654526582786},{"text":"Exactly.","start":235.04001,"end":235.54001,"sentiment":"neutral","sentiment_score":0.023087769746780396},{"text":"So the the benefit period, I'm not sure if maybe that's where you were kind of I had some questions because you can have, obviously, a higher amount than what you currently have.","start":236.08,"end":247.965,"sentiment":"neutral","sentiment_score":-0.0738303917601253}],"sentiment":"neutral","sentiment_score":-0.038496029525995255,"num_words":50,"start":227.905,"end":247.965},{"sentences":[{"text":"So at the moment, you are correct.","start":247.965,"end":250.545,"sentiment":"neutral","sentiment_score":0.0025958440133503507},{"text":"So at the moment, you are covered for 4,695, which is a little bit under than, obviously, your income at the moment.","start":250.925,"end":259.67,"sentiment":"neutral","sentiment_score":-0.02166531692174348},{"text":"But if you wanna increase it, it is correct.","start":260.13,"end":262.93,"sentiment":"neutral","sentiment_score":-0.031170406689246494},{"text":"You'd have to pay more for it.","start":262.93,"end":264.87,"sentiment":"neutral","sentiment_score":-0.3066788060324533},{"text":"And because the insurance side of it, they will be like, okay.","start":265.09,"end":268.45,"sentiment":"neutral","sentiment_score":-0.20844319090247154}],"sentiment":"neutral","sentiment_score":-0.09450999399026234,"num_words":57,"start":247.965,"end":268.45},{"sentences":[{"text":"Well, we are taking on more risk.","start":268.45,"end":270.15,"sentiment":"neutral","sentiment_score":-0.22411157190799713},{"text":"So you would have to go through, you know, that under underwriting process again with MetLife.","start":270.37,"end":275.31497,"sentiment":"neutral","sentiment_score":-0.05812424613395706},{"text":"Mhmm.","start":276.495,"end":276.97498,"sentiment":"neutral","sentiment_score":0.005982722155749798},{"text":"So it's up to you if you want to look at increasing it.","start":276.97498,"end":279.775,"sentiment":"neutral","sentiment_score":0.026176463024547465},{"text":"If you feel like that 4,695, if that isn't enough, we can look at increase it.","start":279.775,"end":287.6,"sentiment":"neutral","sentiment_score":-0.009541528299450874}],"sentiment":"neutral","sentiment_score":-0.04349352175123849,"num_words":53,"start":268.45,"end":287.6},{"sentences":[{"text":"Or if you, you know, feel like the the 4,695 to cover your income is still doable for your family, and you're obviously happy with the premium, then we can leave it as is as well.","start":287.6,"end":301.96503,"sentiment":"neutral","sentiment_score":0.06294928051324354},{"text":"Yeah.","start":301.96503,"end":302.46503,"sentiment":"neutral","sentiment_score":0.0856003612279892},{"text":"Yes.","start":302.605,"end":303.08502,"sentiment":"neutral","sentiment_score":0.1864004135131836},{"text":"Perfect.","start":303.08502,"end":303.58502,"sentiment":"positive","sentiment_score":0.40695667266845703},{"text":"Yes.","start":307.96503,"end":308.36502,"sentiment":"neutral","sentiment_score":0.0678243637084961}],"sentiment":"neutral","sentiment_score":0.07532389773987233,"num_words":40,"start":287.6,"end":308.36502},{"sentences":[{"text":"So if something were to happen, you would get that payment on a monthly basis.","start":308.36502,"end":312.545,"sentiment":"neutral","sentiment_score":0.09052539666493734},{"text":"Yeah.","start":313.405,"end":313.725,"sentiment":"neutral","sentiment_score":0.017603576183319092},{"text":"You would kind of go back to doc to the doctors kind of regularly through, you know, assess that you're still unable to go back to work, but it is a monthly replacement.","start":313.725,"end":322.38,"sentiment":"neutral","sentiment_score":-0.020046614054026024},{"text":"The other through, like, the life and TPD is like a lump sum that gets paid at once, whereas income is that monthly replacement for for up to two years for you.","start":322.38,"end":331.175,"sentiment":"neutral","sentiment_score":0.0038423373480327427},{"text":"Yep.","start":332.35498,"end":332.85498,"sentiment":"neutral","sentiment_score":0.17115722596645355}],"sentiment":"neutral","sentiment_score":0.012293393700951484,"num_words":82,"start":308.36502,"end":332.85498},{"sentences":[{"text":"Perfect.","start":333.07498,"end":333.57498,"sentiment":"positive","sentiment_score":0.3951951265335083},{"text":"And that is all paid from within your hub 24, so you don't pay for it out of pocket.","start":333.955,"end":338.055,"sentiment":"neutral","sentiment_score":0.14404003635833137},{"text":"Yep.","start":339.235,"end":339.715,"sentiment":"neutral","sentiment_score":0.1188170164823532},{"text":"Perfect.","start":339.715,"end":340.215,"sentiment":"neutral","sentiment_score":0.26113951206207275},{"text":"Did you have any other questions with income protection or insurances at all or just no?","start":340.35498,"end":347.78,"sentiment":"neutral","sentiment_score":0.010502182762138546}],"sentiment":"neutral","sentiment_score":0.09684071763369598,"num_words":38,"start":333.07498,"end":347.78},{"sentences":[{"text":"Yeah.","start":348.16,"end":348.66,"sentiment":"neutral","sentiment_score":0.07836820185184479},{"text":"Yeah.","start":349.36,"end":349.86,"sentiment":"neutral","sentiment_score":0.13798880577087402},{"text":"Okay.","start":350.0,"end":350.47998,"sentiment":"neutral","sentiment_score":0.23904961347579956},{"text":"Perfect.","start":350.47998,"end":350.97998,"sentiment":"positive","sentiment_score":0.369523286819458},{"text":"You know, if anything does change and you do wanna revisit it, you know, just give us a call, and we can always run through that process with you.","start":351.12,"end":358.345,"sentiment":"neutral","sentiment_score":0.20458908199236311}],"sentiment":"neutral","sentiment_score":0.20478828138474262,"num_words":33,"start":348.16,"end":358.345},{"sentences":[{"text":"Yeah.","start":359.445,"end":359.945,"sentiment":"neutral","sentiment_score":0.0060552144423127174},{"text":"Yeah.","start":360.405,"end":360.905,"sentiment":"neutral","sentiment_score":0.013633561320602894},{"text":"Yes.","start":362.245,"end":362.745,"sentiment":"neutral","sentiment_score":0.053418368101119995},{"text":"Yeah.","start":366.245,"end":366.745,"sentiment":"neutral","sentiment_score":0.010788295418024065},{"text":"From from HAP twenty four?","start":379.12,"end":381.22,"sentiment":"neutral","sentiment_score":0.05742746219038963}],"sentiment":"neutral","sentiment_score":0.041225861137111984,"num_words":9,"start":359.445,"end":381.22},{"sentences":[{"text":"Yeah.","start":382.31998,"end":382.63998,"sentiment":"neutral","sentiment_score":0.23201735317707065},{"text":"You you don't have to worry about that.","start":382.63998,"end":384.4,"sentiment":"positive","sentiment_score":0.3488334007561207},{"text":"They just send that automatically.","start":384.4,"end":385.62,"sentiment":"neutral","sentiment_score":0.31339972019195556},{"text":"Sometimes it can be confusing.","start":385.835,"end":387.215,"sentiment":"neutral","sentiment_score":-0.14293152689933777},{"text":"They just send that automatically because, obviously, your employer will pay contributions going into superannuation.","start":387.435,"end":393.615,"sentiment":"neutral","sentiment_score":0.05716097205877304}],"sentiment":"neutral","sentiment_score":0.13918941489913883,"num_words":34,"start":382.31998,"end":393.615},{"sentences":[{"text":"And when it gets contributed into superannuation, it gets reinvested into your portfolio.","start":394.795,"end":400.37003,"sentiment":"neutral","sentiment_score":0.19628017109173995},{"text":"So it's just showing transactions and stuff like that when it happens.","start":400.91,"end":403.87003,"sentiment":"neutral","sentiment_score":0.11364361519614856},{"text":"It can be a little bit confusing.","start":403.87003,"end":405.31003,"sentiment":"neutral","sentiment_score":-0.24051865083830698},{"text":"You don't have to action or do anything.","start":405.31003,"end":406.93002,"sentiment":"neutral","sentiment_score":-0.16936864703893661},{"text":"It all comes in the back end when your contributions do come in there.","start":407.15002,"end":411.39,"sentiment":"neutral","sentiment_score":-0.01579245791903564}],"sentiment":"neutral","sentiment_score":0.012142434509264098,"num_words":54,"start":394.795,"end":411.39},{"sentences":[{"text":"And if you have, you know, insurances Okay.","start":411.39,"end":430.13,"sentiment":"neutral","sentiment_score":-0.0444526388309896},{"text":"So let me go into your account.","start":432.35,"end":434.44998,"sentiment":"neutral","sentiment_score":0.061729664249079566},{"text":"Sorry.","start":434.59,"end":435.09,"sentiment":"neutral","sentiment_score":-0.03277495503425598},{"text":"Because they just send it automatically to you when the transaction happens, I can't see that in front of me, but I can log in to your account and have a little look.","start":435.15,"end":444.825,"sentiment":"neutral","sentiment_score":0.08893553732019482},{"text":"Do you have your hub twenty four?","start":444.885,"end":446.645,"sentiment":"neutral","sentiment_score":0.06502566965562957}],"sentiment":"neutral","sentiment_score":0.06131721434316465,"num_words":56,"start":411.39,"end":446.645},{"sentences":[{"text":"Like, do you have the app on your mobile phone or anything like that?","start":446.645,"end":449.445,"sentiment":"neutral","sentiment_score":0.0637652198118823},{"text":"Do you keep an eye on your super a bit?","start":449.445,"end":452.425,"sentiment":"neutral","sentiment_score":0.14696763064712287},{"text":"Yeah.","start":460.34,"end":460.74,"sentiment":"neutral","sentiment_score":0.08918847143650055},{"text":"Yeah.","start":460.74,"end":461.24,"sentiment":"neutral","sentiment_score":0.11615738272666933},{"text":"I typically find because I use Hub 24 for my personal super as well, and I just have the, like, the Hub 24 app on my mobile phone.","start":461.94,"end":470.2,"sentiment":"neutral","sentiment_score":0.20459348655172757}],"sentiment":"neutral","sentiment_score":0.15363616410090966,"num_words":54,"start":446.645,"end":470.2},{"sentences":[{"text":"I found that the easiest.","start":470.34,"end":471.665,"sentiment":"neutral","sentiment_score":0.21240529417991638},{"text":"Yeah.","start":472.445,"end":472.945,"sentiment":"neutral","sentiment_score":0.1402912735939026},{"text":"So, typically, if you go into transactions, that's when you can see see it a bit more clearly what's happened.","start":473.405,"end":479.645,"sentiment":"neutral","sentiment_score":0.11478906236588955},{"text":"So I'll try to go into your account now and have a little look.","start":479.645,"end":482.525,"sentiment":"neutral","sentiment_score":0.14857999395046914},{"text":"So you can go into something that's called cash transaction, and that's when you when you can see it.","start":482.525,"end":489.94,"sentiment":"neutral","sentiment_score":0.10989574872349438}],"sentiment":"neutral","sentiment_score":0.1299362395400718,"num_words":59,"start":470.34,"end":489.94},{"sentences":[{"text":"So, for example, I can see that on the fifth of this month, you had two deposits from your work.","start":489.94,"end":499.16,"sentiment":"neutral","sentiment_score":0.11796209439635277},{"text":"So heat and control PTY LCD.","start":499.22,"end":502.535,"sentiment":"neutral","sentiment_score":0.07790040783584118},{"text":"Yep.","start":504.11502,"end":504.61502,"sentiment":"neutral","sentiment_score":0.20229516923427585},{"text":"So you had 1,532 and 47¢ deposited for that, and then you also had another $400 deposited.","start":505.23502,"end":515.37,"sentiment":"neutral","sentiment_score":0.1741135474294424},{"text":"So it kind of shows what what goes in.","start":516.07,"end":518.57,"sentiment":"neutral","sentiment_score":0.15331551763746473}],"sentiment":"neutral","sentiment_score":0.13835761388047382,"num_words":53,"start":489.94,"end":518.57},{"sentences":[{"text":"And then you had adviser fee come out in Feb as well, transaction fees for your portfolio, and then you had a little interest added to your account up for $9.","start":519.03,"end":531.055,"sentiment":"neutral","sentiment_score":0.11463089791997787},{"text":"And then underneath that, I can see then the transaction movement of your investment.","start":531.595,"end":537.77496,"sentiment":"neutral","sentiment_score":0.06478902617735523},{"text":"Now so if it is sometimes a slight amount because I can't really see that report, but sometimes if it is, like, your contributions going in because they get taxed at 15%, that's maybe why it's a little bit different if it shows slightly different.","start":539.51495,"end":556.25,"sentiment":"neutral","sentiment_score":0.010245550066853563},{"text":"Yeah.","start":556.47003,"end":556.785,"sentiment":"neutral","sentiment_score":0.17081576585769653},{"text":"But that's obviously a lot cheaper than your marginal tax rate, which is great, and that's what makes it so tax effective.","start":559.185,"end":565.925,"sentiment":"positive","sentiment_score":0.5447462770071897}],"sentiment":"neutral","sentiment_score":0.1511229010179342,"num_words":113,"start":519.03,"end":565.925},{"sentences":[{"text":"So, yeah, sometimes it can be a bit confusing.","start":566.625,"end":569.845,"sentiment":"neutral","sentiment_score":-0.03953788191494015},{"text":"So I I typically go in through that transaction statement and have a look because that gives you a bit more yeah.","start":569.90497,"end":576.87,"sentiment":"neutral","sentiment_score":-0.016869681717997246},{"text":"Because it shows you kind of, you know, the credit and the debit and GST amounts and then balance and stuff, and it can kind of show a bit more clearly what's happened and what comes in and what comes out.","start":576.87,"end":588.895,"sentiment":"neutral","sentiment_score":0.013125365918002478},{"text":"Because sometimes those reports, yeah, they can be a little bit messy.","start":588.895,"end":592.275,"sentiment":"neutral","sentiment_score":-0.12190794758498669},{"text":"Yeah.","start":594.09503,"end":594.59503,"sentiment":"neutral","sentiment_score":-0.00870753638446331}],"sentiment":"neutral","sentiment_score":-0.01953455105643062,"num_words":85,"start":566.625,"end":594.59503},{"sentences":[{"text":"Yeah.","start":596.175,"end":596.655,"sentiment":"neutral","sentiment_score":0.08990348875522614},{"text":"Now, Carl, while I do have you on the phone, I do wanna just check as well because it looks like we are waiting on your beneficiary forms to come back.","start":596.655,"end":604.73004,"sentiment":"neutral","sentiment_score":0.08970822297757672},{"text":"Did you ah, perfect.","start":605.51,"end":608.33,"sentiment":"neutral","sentiment_score":0.3061402328312397},{"text":"Yep.","start":609.43,"end":609.91003,"sentiment":"neutral","sentiment_score":0.306393563747406},{"text":"I mean yep.","start":609.91003,"end":613.05,"sentiment":"neutral","sentiment_score":0.09479219714800517}],"sentiment":"neutral","sentiment_score":0.11715473718941212,"num_words":40,"start":596.175,"end":613.05},{"sentences":[{"text":"No.","start":613.43,"end":613.75,"sentiment":"neutral","sentiment_score":0.01883341185748577},{"text":"That's okay.","start":613.75,"end":614.355,"sentiment":"neutral","sentiment_score":0.15019207447767258},{"text":"Did you have any questions in regards no.","start":614.51495,"end":617.07495,"sentiment":"neutral","sentiment_score":-0.010354362893849611},{"text":"That's okay.","start":617.07495,"end":617.875,"sentiment":"neutral","sentiment_score":-0.0345236137509346},{"text":"I always just remind because you obviously wanna make sure that, you know, we have it on file if something were to happen.","start":617.875,"end":622.855,"sentiment":"neutral","sentiment_score":0.02913220145780107}],"sentiment":"neutral","sentiment_score":0.023260446213599708,"num_words":36,"start":613.43,"end":622.855},{"sentences":[{"text":"So I just wanted to see if you needed a resend or anything, but that's great that you're in the process of filling it out.","start":623.475,"end":628.44,"sentiment":"positive","sentiment_score":0.4187470895051956},{"text":"If you do have any questions on how to complete it or who to nominate or anything like that, just just let us know.","start":628.44,"end":634.22003,"sentiment":"neutral","sentiment_score":0.27209306756655377},{"text":"Yep.","start":635.64,"end":636.14,"sentiment":"neutral","sentiment_score":0.06870241463184357},{"text":"Yep.","start":636.36,"end":636.76,"sentiment":"neutral","sentiment_score":0.10248522460460664},{"text":"Perfect.","start":636.76,"end":637.26,"sentiment":"positive","sentiment_score":0.43205389380455017}],"sentiment":"positive","sentiment_score":0.33850293062054193,"num_words":52,"start":623.475,"end":637.26},{"sentences":[{"text":"Great.","start":637.88,"end":638.38,"sentiment":"positive","sentiment_score":0.4276149868965149},{"text":"Any yeah.","start":638.6,"end":639.98,"sentiment":"neutral","sentiment_score":0.029111291281878948},{"text":"No.","start":640.44,"end":640.68,"sentiment":"neutral","sentiment_score":-0.07244032621383667},{"text":"You go.","start":640.68,"end":642.585,"sentiment":"neutral","sentiment_score":-0.052665566094219685},{"text":"I was going to say it also looks like the ID we have on file for you expired on the December 19.","start":643.04504,"end":649.4651,"sentiment":"neutral","sentiment_score":-0.019502780654213646}],"sentiment":"neutral","sentiment_score":-0.004321252261953694,"num_words":28,"start":637.88,"end":649.4651},{"sentences":[{"text":"Did you get any license by any chance?","start":649.92505,"end":652.185,"sentiment":"neutral","sentiment_score":-0.007598982658237219},{"text":"Yes.","start":653.92505,"end":654.42505,"sentiment":"neutral","sentiment_score":0.08196272701025009},{"text":"Okay.","start":654.48505,"end":654.80505,"sentiment":"neutral","sentiment_score":0.17859914898872375},{"text":"Perfect.","start":654.80505,"end":655.28503,"sentiment":"positive","sentiment_score":0.3771253228187561},{"text":"So what I might get the team to do is just to send you a bit of an email.","start":655.28503,"end":659.52,"sentiment":"neutral","sentiment_score":0.19968621511208384}],"sentiment":"neutral","sentiment_score":0.14569778082271417,"num_words":30,"start":649.92505,"end":659.52},{"sentences":[{"text":"And then when you have a moment, if you can just take a photo of the front and the back of your license and send through just so we can keep that on file for you when you do have a moment.","start":659.82,"end":669.2,"sentiment":"neutral","sentiment_score":0.1499874818892706},{"text":"Yep.","start":670.54,"end":670.86,"sentiment":"neutral","sentiment_score":0.1188759058713913},{"text":"Perfect.","start":670.86,"end":671.18,"sentiment":"neutral","sentiment_score":0.32436084747314453},{"text":"And what was your question?","start":671.18,"end":672.195,"sentiment":"neutral","sentiment_score":0.05060375183820724},{"text":"Yeah.","start":683.555,"end":683.875,"sentiment":"neutral","sentiment_score":0.013920246623456478}],"sentiment":"neutral","sentiment_score":0.14019299997016788,"num_words":50,"start":659.82,"end":683.875},{"sentences":[{"text":"And your review pack?","start":683.875,"end":684.95,"sentiment":"neutral","sentiment_score":0.006731090368703008},{"text":"Yes.","start":684.95,"end":685.45,"sentiment":"neutral","sentiment_score":0.015186995267868042},{"text":"Yes.","start":692.79,"end":693.29,"sentiment":"neutral","sentiment_score":0.018555479124188423},{"text":"Yep.","start":693.91003,"end":694.41003,"sentiment":"neutral","sentiment_score":0.013876916840672491},{"text":"Yeah.","start":696.95,"end":697.27,"sentiment":"neutral","sentiment_score":0.030392657965421677}],"sentiment":"neutral","sentiment_score":0.013117051334120333,"num_words":8,"start":683.875,"end":697.27},{"sentences":[{"text":"So with BlackRock, we've launched an SMA as well.","start":697.27,"end":703.28503,"sentiment":"neutral","sentiment_score":0.0970320925116539},{"text":"So it's kind of a self managed account.","start":703.28503,"end":705.78503,"sentiment":"neutral","sentiment_score":0.11251867562532425},{"text":"So we work with them on creating some investment options as well for clients.","start":706.325,"end":714.32,"sentiment":"neutral","sentiment_score":0.15671430421727045},{"text":"So, basically, how it's a little bit different.","start":714.32,"end":716.16,"sentiment":"neutral","sentiment_score":0.07659483421593904},{"text":"So you know when you go in Hub 24 at the moment, you can see all your individual investments and how you are invested.","start":716.16,"end":721.77997,"sentiment":"neutral","sentiment_score":0.11837694545586903}],"sentiment":"neutral","sentiment_score":0.11779752160821642,"num_words":63,"start":697.27,"end":721.77997},{"sentences":[{"text":"Now the SMA works a little bit different in that you would only typically see that you're invested in one SMA.","start":723.2,"end":730.175,"sentiment":"neutral","sentiment_score":0.027977307903624717},{"text":"And so whatever that name might be, you will just see the one option.","start":730.47504,"end":733.675,"sentiment":"neutral","sentiment_score":0.05877015633242471},{"text":"So you're not you're not necessarily will know all the individual investments.","start":733.675,"end":737.995,"sentiment":"neutral","sentiment_score":0.02990510578577717},{"text":"You can still see them, but it's not as visible, I guess.","start":737.995,"end":742.67,"sentiment":"neutral","sentiment_score":0.008391153067350388},{"text":"And the benefit with the SMA is that if there is a particular investment that we currently have you in, for example, that is not doing well or we foresee it's not doing At the moment, the way things would work if we need to swap it out is that we would, you know, do your SOA and your and your research and everything like that presented to you.","start":742.67,"end":764.355,"sentiment":"neutral","sentiment_score":0.1156138527220574}],"sentiment":"neutral","sentiment_score":0.07693137967726216,"num_words":128,"start":723.2,"end":764.355},{"sentences":[{"text":"You would have to always let us know you're happy to go ahead with the change, then we can authorize the the change for you.","start":764.355,"end":770.07,"sentiment":"positive","sentiment_score":0.45288224577903746},{"text":"With the SMA, it is a little bit different.","start":770.61,"end":773.25,"sentiment":"neutral","sentiment_score":0.07764265934626262},{"text":"It kind of takes away the paperwork a little bit because it gives us the flexibility that within the SMA, we can kind of chop and change the investment without you having to be involved in it.","start":773.25,"end":785.565,"sentiment":"neutral","sentiment_score":0.1727763817117021},{"text":"So it cuts out yeah.","start":785.78503,"end":787.705,"sentiment":"neutral","sentiment_score":0.19415980130434035},{"text":"It it can make it quicker if it is something that we, let's say, quickly have to make a decision on because it smooths up the process on on doing that, and it would just kind of happen more in the back end.","start":787.705,"end":800.28,"sentiment":"positive","sentiment_score":0.4239107637211334}],"sentiment":"neutral","sentiment_score":0.3160716642727371,"num_words":119,"start":764.355,"end":800.28},{"sentences":[{"text":"Do you kind of prefer something like that, like, where we have that more flexibility of chopping and changing, Or do you like having that full visibility?","start":802.10004,"end":812.35504,"sentiment":"neutral","sentiment_score":0.13615897422035536},{"text":"Yeah.","start":823.95996,"end":824.36,"sentiment":"neutral","sentiment_score":0.16897860169410706},{"text":"Well, I can definitely I can put together some research for you so I can do a comparison of, okay, what what's it like currently and compare that with you know, if we move you into the SMA, how that will change things.","start":824.36,"end":840.265,"sentiment":"neutral","sentiment_score":0.2798844184293303},{"text":"I will also, yeah, I will also factor in because by making switches, we would have to sell down some of your investments and it over.","start":840.805,"end":850.68005,"sentiment":"neutral","sentiment_score":0.10470950216628037},{"text":"So by doing so, especially if your investments have gone up, there will be some capital gains tax associated with it.","start":850.82,"end":856.82,"sentiment":"neutral","sentiment_score":-0.008264521225577309}],"sentiment":"neutral","sentiment_score":0.1561796017685684,"num_words":118,"start":802.10004,"end":856.82},{"sentences":[{"text":"But I would I would calculate that and, you know, let you know what that would look like before, obviously, deciding if that would be suitable for you or not.","start":856.82,"end":864.645,"sentiment":"neutral","sentiment_score":-0.024366694130003454},{"text":"So for me to do that research, I do wanna just check as well because we have different portfolios for different risk profiles.","start":864.645,"end":872.825,"sentiment":"neutral","sentiment_score":0.06867488651819852},{"text":"So at the moment, we have you invested in a growth portfolio.","start":873.525,"end":878.585,"sentiment":"neutral","sentiment_score":0.04839838854968548},{"text":"So, typically, we see about, you know, 80% in your growth investment.","start":880.23,"end":885.29,"sentiment":"neutral","sentiment_score":0.17270181824763617},{"text":"So that is your Australian shares, international shares, property, and stuff like that to try to maximize the growth for you.","start":885.43,"end":893.37,"sentiment":"neutral","sentiment_score":0.27884319850376676}],"sentiment":"neutral","sentiment_score":0.095483992001688,"num_words":98,"start":856.82,"end":893.37},{"sentences":[{"text":"And then you do have about 20% in your more defensive investment.","start":893.67,"end":899.025,"sentiment":"neutral","sentiment_score":0.22382684921224913},{"text":"So, like, your cash, your gold, your fixed interest, for example.","start":899.485,"end":903.10504,"sentiment":"neutral","sentiment_score":0.16068945147774436},{"text":"And it's, yeah, it's basically decide to try to, you know, maximize growth as much as possible, but still wanting to have a little bit of that defensive proportion to it.","start":905.005,"end":915.11,"sentiment":"neutral","sentiment_score":0.1874795094613106},{"text":"And, typically, when we are looking at a appropriate time frame because, obviously, your your super will grow.","start":915.97,"end":922.45,"sentiment":"neutral","sentiment_score":0.08217943790886137},{"text":"That's the focus, but you will see a bit of fluctuations as well.","start":922.45,"end":925.815,"sentiment":"neutral","sentiment_score":0.04473239699235329}],"sentiment":"neutral","sentiment_score":0.14501319992191652,"num_words":85,"start":893.67,"end":925.815},{"sentences":[{"text":"In the growth portfolio, we wanna allow about five years minimum until retirement.","start":926.195,"end":932.695,"sentiment":"neutral","sentiment_score":0.0771090376835603},{"text":"So making sure you have enough time in the market.","start":933.155,"end":935.495,"sentiment":"neutral","sentiment_score":0.12018081620335579},{"text":"So at the moment, at least you have more than five years until you can access your super at the moment.","start":935.955,"end":941.3,"sentiment":"neutral","sentiment_score":0.08992559427306765},{"text":"So a time frame point of view, it's suitable for you as long as you are comfortable seeing, you know, a bit of fluctuations in order to get you there.","start":941.68,"end":951.255,"sentiment":"neutral","sentiment_score":0.1813389706114928},{"text":"Does does that all make sense?","start":952.455,"end":953.895,"sentiment":"neutral","sentiment_score":0.18571849912405014}],"sentiment":"neutral","sentiment_score":0.13308929055929183,"num_words":80,"start":926.195,"end":953.895},{"sentences":[{"text":"Are you happy to stay within, like, you know, the same kind of risk profile?","start":953.895,"end":957.895,"sentiment":"neutral","sentiment_score":0.1554829681913058},{"text":"Just look at, you know, different options?","start":957.895,"end":959.755,"sentiment":"neutral","sentiment_score":0.05726520983236177},{"text":"Yep.","start":961.175,"end":961.575,"sentiment":"neutral","sentiment_score":0.20111635327339172},{"text":"Okay.","start":961.575,"end":962.055,"sentiment":"positive","sentiment_score":0.406479686498642},{"text":"Perfect.","start":962.055,"end":962.555,"sentiment":"positive","sentiment_score":0.5554193258285522}],"sentiment":"neutral","sentiment_score":0.15584465429186822,"num_words":25,"start":953.895,"end":962.555},{"sentences":[{"text":"Now at the moment as well, sorry, because I'll do put a a comparison, a forecast up for you.","start":964.56,"end":970.66,"sentiment":"neutral","sentiment_score":0.11770606001741007},{"text":"At the moment, do you know when you would like to access Super?","start":970.88,"end":974.33997,"sentiment":"neutral","sentiment_score":0.054459215356753424},{"text":"Yeah.","start":978.8,"end":979.215,"sentiment":"neutral","sentiment_score":-0.0027988534420728683},{"text":"Sorry.","start":979.455,"end":979.855,"sentiment":"neutral","sentiment_score":-0.036464184522628784},{"text":"Because you can you can access super if you if you stop working, you can access super completely tax free at the age of 60.","start":979.855,"end":987.075,"sentiment":"neutral","sentiment_score":0.20240891575813294}],"sentiment":"neutral","sentiment_score":0.1350058439992747,"num_words":59,"start":964.56,"end":987.075},{"sentences":[{"text":"If you would like to keep working, 65, or if you're eligible for age pension at 67.","start":987.775,"end":994.52997,"sentiment":"neutral","sentiment_score":0.10445540003916796},{"text":"So do you think if you can, you'd like to take it at 60, or do you think you'd work a bit longer?","start":994.52997,"end":999.75,"sentiment":"neutral","sentiment_score":0.06218207036347493},{"text":"Yeah.","start":1003.81,"end":1004.31,"sentiment":"neutral","sentiment_score":0.021782051771879196},{"text":"Like, 65?","start":1004.37,"end":1005.50995,"sentiment":"neutral","sentiment_score":0.02856875490397215},{"text":"Yeah.","start":1007.015,"end":1007.175,"sentiment":"neutral","sentiment_score":0.08464683592319489}],"sentiment":"neutral","sentiment_score":0.07657945037565449,"num_words":44,"start":987.775,"end":1007.175},{"sentences":[{"text":"Okay.","start":1007.175,"end":1007.335,"sentiment":"neutral","sentiment_score":0.21682532131671903},{"text":"Perfect.","start":1007.335,"end":1007.575,"sentiment":"positive","sentiment_score":0.5063034892082214},{"text":"Do you have a kind of time frame guide to work with?","start":1007.575,"end":1010.235,"sentiment":"neutral","sentiment_score":0.250138808041811},{"text":"And I do have here an ideal income per week at around 1,300.","start":1010.695,"end":1016.395,"sentiment":"neutral","sentiment_score":0.25167840948471654},{"text":"Is that still, you know, the goal for you, do you think, if you were to take 1,300 per week from super?","start":1016.615,"end":1022.9,"sentiment":"neutral","sentiment_score":0.2120361951264468}],"sentiment":"neutral","sentiment_score":0.23798796169611872,"num_words":49,"start":1007.175,"end":1022.9},{"sentences":[{"text":"Yep.","start":1024.64,"end":1025.12,"sentiment":"neutral","sentiment_score":0.27026060223579407},{"text":"Perfect.","start":1025.12,"end":1025.62,"sentiment":"positive","sentiment_score":0.5804284811019897},{"text":"And let me see here.","start":1028.0801,"end":1029.36,"sentiment":"positive","sentiment_score":0.4411524534225464},{"text":"With your superannuation, I have that your goals is just to tryna grow it as much as possible for you to have the best retirement and then kind of have your children set up as well.","start":1029.36,"end":1040.515,"sentiment":"positive","sentiment_score":0.5240353975031111},{"text":"So you don't really have to worry too much.","start":1040.735,"end":1042.3351,"sentiment":"neutral","sentiment_score":0.3237546980381012}],"sentiment":"positive","sentiment_score":0.4776061142866428,"num_words":52,"start":1024.64,"end":1042.3351},{"sentences":[{"text":"That's still the same?","start":1042.3351,"end":1043.555,"sentiment":"neutral","sentiment_score":0.26014169305562973},{"text":"Yep.","start":1044.655,"end":1045.135,"sentiment":"neutral","sentiment_score":0.16256849467754364},{"text":"Yep.","start":1045.135,"end":1045.635,"sentiment":"neutral","sentiment_score":0.11540471017360689},{"text":"Okay.","start":1047.055,"end":1047.33,"sentiment":"neutral","sentiment_score":0.281794935464859},{"text":"Great.","start":1047.49,"end":1047.99,"sentiment":"positive","sentiment_score":0.5468043088912964}],"sentiment":"neutral","sentiment_score":0.2683924026787281,"num_words":8,"start":1042.3351,"end":1047.99},{"sentences":[{"text":"Perfect.","start":1050.69,"end":1051.1699,"sentiment":"positive","sentiment_score":0.4849289655685425},{"text":"Now with your contributions into super, because I'll factor that in as well.","start":1051.1699,"end":1056.13,"sentiment":"neutral","sentiment_score":0.294760063290596},{"text":"So I can see here that there's a bit of a difference between your income, so your base income, and then your total income.","start":1056.13,"end":1062.765,"sentiment":"neutral","sentiment_score":0.09194656973704696},{"text":"Did you get quite a lot of bonus and overtime?","start":1062.765,"end":1065.505,"sentiment":"neutral","sentiment_score":0.04224509783089161},{"text":"Yeah?","start":1067.405,"end":1067.905,"sentiment":"neutral","sentiment_score":-0.044105008244514465}],"sentiment":"neutral","sentiment_score":0.14085455983877182,"num_words":49,"start":1050.69,"end":1067.905},{"sentences":[{"text":"Okay.","start":1069.885,"end":1070.385,"sentiment":"neutral","sentiment_score":0.007820524275302887},{"text":"So I have here so what's your base income?","start":1071.245,"end":1072.5449,"sentiment":"neutral","sentiment_score":0.0108827773688568},{"text":"Your base income?","start":1073.01,"end":1073.91,"sentiment":"neutral","sentiment_score":0.007606440844635169},{"text":"120?","start":1078.13,"end":1079.1901,"sentiment":"neutral","sentiment_score":0.013912267982959747},{"text":"It's the same?","start":1085.49,"end":1086.285,"sentiment":"neutral","sentiment_score":0.05233647425969442}],"sentiment":"neutral","sentiment_score":0.017618031405350742,"num_words":17,"start":1069.885,"end":1086.285},{"sentences":[{"text":"Okay.","start":1086.285,"end":1086.785,"sentiment":"neutral","sentiment_score":0.034263577312231064},{"text":"And then I have here that total income is about 200,000.","start":1087.165,"end":1092.7051,"sentiment":"neutral","sentiment_score":0.03697046248072928},{"text":"Yes.","start":1094.925,"end":1095.425,"sentiment":"neutral","sentiment_score":0.017863178625702858},{"text":"Yeah.","start":1097.645,"end":1097.9651,"sentiment":"neutral","sentiment_score":0.04465223848819733},{"text":"Okay.","start":1097.9651,"end":1098.365,"sentiment":"neutral","sentiment_score":0.10562069714069366}],"sentiment":"neutral","sentiment_score":0.040604985256989794,"num_words":15,"start":1086.285,"end":1098.365},{"sentences":[{"text":"Perfect.","start":1098.365,"end":1098.8451,"sentiment":"neutral","sentiment_score":0.17536163330078125},{"text":"And now do you know if your employer pays contributions on your base income, or do they factor in, you know, overtime and stuff like that as well?","start":1098.8451,"end":1109.3999,"sentiment":"neutral","sentiment_score":0.07488456993762936},{"text":"Just so I can get all the Not sure?","start":1110.34,"end":1117.3651,"sentiment":"neutral","sentiment_score":-0.0013925147553284962},{"text":"Yeah.","start":1117.3651,"end":1117.8651,"sentiment":"neutral","sentiment_score":-0.012206869199872015},{"text":"Typically, it is that sometimes they include it on overtime and stuff, just not really bone bonuses.","start":1118.165,"end":1124.3451,"sentiment":"neutral","sentiment_score":-0.02426403224029962}],"sentiment":"neutral","sentiment_score":0.03276609895484788,"num_words":56,"start":1098.365,"end":1124.3451},{"sentences":[{"text":"Yep.","start":1126.7251,"end":1126.92,"sentiment":"neutral","sentiment_score":0.17241965234279633},{"text":"Yeah.","start":1128.92,"end":1129.42,"sentiment":"positive","sentiment_score":0.36670565605163574},{"text":"Perfect.","start":1129.56,"end":1130.04,"sentiment":"positive","sentiment_score":0.6382899284362793},{"text":"So around do you think on the 200,000, they would pay the 12 percent on?","start":1130.04,"end":1134.54,"sentiment":"neutral","sentiment_score":0.17920220792293548},{"text":"Yep?","start":1136.28,"end":1136.76,"sentiment":"neutral","sentiment_score":0.09440667927265169}],"sentiment":"neutral","sentiment_score":0.20841342289196818,"num_words":19,"start":1126.7251,"end":1136.76},{"sentences":[{"text":"Okay.","start":1136.76,"end":1137.26,"sentiment":"neutral","sentiment_score":0.06983816623687744},{"text":"I can kind of cross reference a little bit on so sorry.","start":1137.56,"end":1141.325,"sentiment":"neutral","sentiment_score":0.033466982344786324},{"text":"When did you get the the bonus to say, or when did you change role?","start":1141.325,"end":1144.6849,"sentiment":"neutral","sentiment_score":-0.00794653023282687},{"text":"Was that before that yes.","start":1144.6849,"end":1149.565,"sentiment":"neutral","sentiment_score":0.03083203062415123},{"text":"Okay.","start":1149.565,"end":1150.065,"sentiment":"neutral","sentiment_score":0.09907063841819765}],"sentiment":"neutral","sentiment_score":0.017808082130025413,"num_words":34,"start":1136.76,"end":1150.065},{"sentences":[{"text":"So contributions that's kind of come into your account this year should be kind of up to date with the new income?","start":1150.205,"end":1157.33,"sentiment":"neutral","sentiment_score":0.1510465287349441},{"text":"Yeah.","start":1157.71,"end":1158.11,"sentiment":"neutral","sentiment_score":0.06454918533563614},{"text":"Okay.","start":1158.11,"end":1158.61,"sentiment":"neutral","sentiment_score":0.07655297219753265},{"text":"Because I can use that as well to kinda cross reference the math just to see.","start":1158.99,"end":1163.65,"sentiment":"neutral","sentiment_score":0.13100052159279585},{"text":"And are you making salary sacrifice or anything like that as well?","start":1165.39,"end":1170.415,"sentiment":"neutral","sentiment_score":0.017529670149087906}],"sentiment":"neutral","sentiment_score":0.1109709649418409,"num_words":52,"start":1150.205,"end":1170.415},{"sentences":[{"text":"Yes.","start":1170.415,"end":1170.915,"sentiment":"neutral","sentiment_score":0.0622929185628891},{"text":"Now I can see it's changed a little bit.","start":1171.455,"end":1173.135,"sentiment":"neutral","sentiment_score":0.04906950518488884},{"text":"So in Feb, I saw $400.","start":1173.135,"end":1175.715,"sentiment":"neutral","sentiment_score":0.03904077379653851},{"text":"And then in Jan, there was $500 coming in.","start":1177.135,"end":1181.075,"sentiment":"neutral","sentiment_score":0.008809184241625998},{"text":"Let me see if I can go back a little bit further.","start":1183.0499,"end":1185.39,"sentiment":"neutral","sentiment_score":0.005905535848190387}],"sentiment":"neutral","sentiment_score":0.02400843773943347,"num_words":37,"start":1170.415,"end":1185.39},{"sentences":[{"text":"Then in December, there was 400.","start":1186.01,"end":1188.35,"sentiment":"neutral","sentiment_score":-0.0067782325980563956},{"text":"Do you typically and then December was 400 as well.","start":1190.4099,"end":1195.2899,"sentiment":"neutral","sentiment_score":-0.008146623149514198},{"text":"So we just had an additional 100 in January.","start":1195.2899,"end":1199.485,"sentiment":"neutral","sentiment_score":0.0222068689763546},{"text":"So do you typically do $400 a month?","start":1199.625,"end":1202.125,"sentiment":"neutral","sentiment_score":0.011592595255933702},{"text":"Yep.","start":1202.985,"end":1203.485,"sentiment":"neutral","sentiment_score":0.023052453994750977}],"sentiment":"neutral","sentiment_score":0.005691747345468577,"num_words":34,"start":1186.01,"end":1203.485},{"sentences":[{"text":"Okay.","start":1206.105,"end":1206.605,"sentiment":"neutral","sentiment_score":0.023373551666736603},{"text":"What are you thinking of increasing it through?","start":1207.465,"end":1210.41,"sentiment":"neutral","sentiment_score":0.03377052233554423},{"text":"Yeah?","start":1215.2101,"end":1215.7101,"sentiment":"neutral","sentiment_score":0.035766806453466415},{"text":"Would you like me when I do the research to show you, like, to increase it to $4.50, just making sure you're not exceeding any contribution caps and stuff like that.","start":1215.85,"end":1229.135,"sentiment":"neutral","sentiment_score":0.020685999504020138},{"text":"Okay.","start":1229.135,"end":1229.635,"sentiment":"neutral","sentiment_score":0.00524318590760231}],"sentiment":"neutral","sentiment_score":0.023233659698494842,"num_words":42,"start":1206.105,"end":1229.635},{"sentences":[{"text":"Okay.","start":1231.0549,"end":1231.455,"sentiment":"neutral","sentiment_score":0.08294357359409332},{"text":"Perfect.","start":1231.455,"end":1231.955,"sentiment":"neutral","sentiment_score":0.18670612573623657},{"text":"Okay.","start":1234.255,"end":1234.735,"sentiment":"neutral","sentiment_score":0.0506216436624527},{"text":"Yeah.","start":1234.735,"end":1235.0549,"sentiment":"neutral","sentiment_score":0.04437439143657684},{"text":"So about you're looking at doing about $600 a month?","start":1235.0549,"end":1237.955,"sentiment":"neutral","sentiment_score":0.05823937952518463}],"sentiment":"neutral","sentiment_score":0.06764568069151469,"num_words":14,"start":1231.0549,"end":1237.955},{"sentences":[{"text":"Yeah.","start":1238.895,"end":1239.215,"sentiment":"neutral","sentiment_score":0.09375366568565369},{"text":"Okay.","start":1239.215,"end":1239.48,"sentiment":"neutral","sentiment_score":0.1667657196521759},{"text":"Perfect.","start":1239.72,"end":1240.22,"sentiment":"neutral","sentiment_score":0.10234881937503816},{"text":"So would you like me to factor that in into the research to show you, you know, to increase your salary sacrifice to 150 a week?","start":1240.52,"end":1249.26,"sentiment":"neutral","sentiment_score":0.03080927487462759},{"text":"Yep.","start":1250.52,"end":1250.9199,"sentiment":"neutral","sentiment_score":0.09751363098621368}],"sentiment":"neutral","sentiment_score":0.04204743274797996,"num_words":30,"start":1238.895,"end":1250.9199},{"sentences":[{"text":"Okay.","start":1250.9199,"end":1251.32,"sentiment":"neutral","sentiment_score":0.2872988283634186},{"text":"Perfect.","start":1251.32,"end":1251.82,"sentiment":"positive","sentiment_score":0.6339082717895508},{"text":"And I do have here as well here here at the moment that it doesn't look like you're saving anything on a weekly basis.","start":1253.0,"end":1258.995,"sentiment":"neutral","sentiment_score":0.2329826969653368},{"text":"You guys would be saving a little bit then, I presume, per week.","start":1259.855,"end":1263.075,"sentiment":"neutral","sentiment_score":0.224461629986763},{"text":"Yeah.","start":1265.615,"end":1266.115,"sentiment":"neutral","sentiment_score":0.05695129558444023}],"sentiment":"neutral","sentiment_score":0.2371936078183353,"num_words":40,"start":1250.9199,"end":1266.115},{"sentences":[{"text":"Do you know roughly how much you save?","start":1267.135,"end":1269.2949,"sentiment":"neutral","sentiment_score":0.020301770186051726},{"text":"Because, obviously, salary sacrificing more will obviously impact your take home pay.","start":1269.2949,"end":1273.92,"sentiment":"neutral","sentiment_score":-0.09031102247536182},{"text":"Yeah.","start":1279.5,"end":1279.8201,"sentiment":"neutral","sentiment_score":0.010684870183467863},{"text":"Okay.","start":1279.8201,"end":1280.3201,"sentiment":"neutral","sentiment_score":0.028812171891331673},{"text":"But to cover, like, bills and expenses and living living costs, you guys are fine.","start":1281.42,"end":1286.0651,"sentiment":"neutral","sentiment_score":0.07350338126222293}],"sentiment":"neutral","sentiment_score":0.0059656662916814955,"num_words":37,"start":1267.135,"end":1286.0651},{"sentences":[{"text":"Like, you have that kind of buffer buffer?","start":1286.0651,"end":1288.405,"sentiment":"neutral","sentiment_score":0.033930102828890085},{"text":"Yeah.","start":1290.0651,"end":1290.385,"sentiment":"neutral","sentiment_score":0.07163077592849731},{"text":"Okay.","start":1290.385,"end":1290.7051,"sentiment":"neutral","sentiment_score":0.16251903772354126},{"text":"Great.","start":1290.7051,"end":1290.9451,"sentiment":"positive","sentiment_score":0.525169849395752},{"text":"Perfect.","start":1290.9451,"end":1291.4451,"sentiment":"positive","sentiment_score":0.4587039351463318}],"sentiment":"neutral","sentiment_score":0.12412203506877025,"num_words":12,"start":1286.0651,"end":1291.4451},{"sentences":[{"text":"And your you don't have any other, like, enterprise bargain agreements or anything like that with your employer?","start":1294.7051,"end":1299.9851,"sentiment":"neutral","sentiment_score":0.024482612187663715},{"text":"It's kind of like that standard 12%.","start":1299.9851,"end":1302.15,"sentiment":"neutral","sentiment_score":-0.020308913796075752},{"text":"Yep.","start":1304.05,"end":1304.53,"sentiment":"neutral","sentiment_score":0.07498498260974884},{"text":"Yep.","start":1304.53,"end":1304.8501,"sentiment":"neutral","sentiment_score":0.09626644849777222},{"text":"Alright.","start":1304.8501,"end":1305.3301,"sentiment":"neutral","sentiment_score":0.2015322744846344}],"sentiment":"neutral","sentiment_score":0.02397529744277043,"num_words":28,"start":1294.7051,"end":1305.3301},{"sentences":[{"text":"Perfect.","start":1305.3301,"end":1305.8301,"sentiment":"neutral","sentiment_score":0.3298932909965515},{"text":"Well, I'll go and have a a look at this for you.","start":1305.89,"end":1307.73,"sentiment":"neutral","sentiment_score":0.21836422383785248},{"text":"I'll compare the SMA for you, and then I'll also have a review of your current portfolio as well just to see if there's any other tweaks we wanna make otherwise.","start":1307.73,"end":1317.195,"sentiment":"neutral","sentiment_score":0.1221520617123573},{"text":"Now and you obviously said you're happy with your insurances, so we're not touching them at the moment.","start":1319.4149,"end":1323.835,"sentiment":"neutral","sentiment_score":0.08126294323139721},{"text":"You're sorting out your estate planning.","start":1324.455,"end":1326.0549,"sentiment":"neutral","sentiment_score":0.07389237793783347}],"sentiment":"neutral","sentiment_score":0.12710389905773542,"num_words":68,"start":1305.3301,"end":1326.0549},{"sentences":[{"text":"Is there anything else you want me to research or have a look at for you at the moment, or is it mainly just, like, the the super and having a look at the estimate?","start":1326.0549,"end":1333.79,"sentiment":"neutral","sentiment_score":0.03661856257489749},{"text":"Yeah.","start":1335.45,"end":1335.95,"sentiment":"neutral","sentiment_score":0.03590241074562073},{"text":"Yeah.","start":1336.1699,"end":1336.57,"sentiment":"neutral","sentiment_score":0.06390787661075592},{"text":"Alright.","start":1336.57,"end":1336.97,"sentiment":"neutral","sentiment_score":0.15623921155929563},{"text":"Perfect.","start":1336.97,"end":1337.47,"sentiment":"neutral","sentiment_score":0.25331515073776245}],"sentiment":"neutral","sentiment_score":0.04592344460961146,"num_words":39,"start":1326.0549,"end":1337.47},{"sentences":[{"text":"We'll leave that with me.","start":1338.01,"end":1338.97,"sentiment":"neutral","sentiment_score":0.10669025033712387},{"text":"It might take a week or two potentially, probably more likely around three weeks or so for me to get all these research 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otherwise?","start":1359.8899,"end":1362.71,"sentiment":"neutral","sentiment_score":0.23339583511863435},{"text":"No?","start":1364.5299,"end":1365.01,"sentiment":"neutral","sentiment_score":-0.10224772244691847},{"text":"Yep.","start":1365.01,"end":1365.33,"sentiment":"neutral","sentiment_score":0.03435102477669716},{"text":"Alright.","start":1365.33,"end":1365.73,"sentiment":"neutral","sentiment_score":0.0927974209189415},{"text":"Perfect.","start":1365.73,"end":1366.13,"sentiment":"positive","sentiment_score":0.5913103818893433}],"sentiment":"neutral","sentiment_score":0.21576404426660803,"num_words":18,"start":1359.8899,"end":1366.13},{"sentences":[{"text":"Well, I will let you go, and enjoy the rest your day, and I look forward to speaking with you soon 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Yes. Speaking. Good. Good. Yep. Get this one. Carl Charlie Winterstein twenty seven ten seventy four 197420 2 Heights Place, Westlake. Yeah. Bit of both. That's fine. Yes. Yes. No. I sort of I've had a bit more of a look into it now coming. K. It's is that the one with the life cover buyback? No. Yeah. Yeah. Yeah. Yep. Yes. Yes. And just yeah. Yep. Yep. Alright. Alright. Sort of. Oh, okay. Yep. Yes. Yes. Right. Yeah. For two years. So you pay more? Yeah. Yes. Yep. Yeah. Yeah. Yeah. No. I'll leave I'll leave it as that. But and so is that that's paid out monthly, is it? Or yeah. Basis. Okay. Yeah. Yeah. Yep. No. That's fine. Yeah. No. No. No. I'm fine with that at the moment. I'm fine for that at the moment. Yeah. I just have a question. Could they get their summaries now and then? Yes. So how does that I'm just trying to find hard so what am I actually reading? Because you got, like, the type, date, product, and amount, and then you got status and executed amount. So which one am I yeah. Yeah. Yes. Alright. Oh, okay. Now I just want I I just I what I what I mean is, like yeah. So I'm just trying to see what what it means by the amount. Because, like yeah. I'm good. So no. Because it comes up on my email or, like, emails. So I open the email and it says me what they've done. Yeah. Yeah. I'll I'll I'll put that. Yeah. Yes. Yep. Yeah. Oh, yeah. Okay. Oh, okay. Yep. Yep. Okay. Yeah. I'll I'll do it that way then. Yep. Yeah. Yeah. No. That's fine then. Yeah. I just finished pulling it out today. I just gotta go through and print it out and get it signed. Send it yeah. I've been meaning to do it for a while. No. No. Shoot. Yep. Yep. No. No. I'm fine with that. I'm just I'll sort of that I will say oh, sorry. No. No. No. You got you got you got you. Yes. Yep. Yeah. Yeah. That's fine. Was I was looking at the what was it? Does the annual was it annual review pack. Yeah. And I see that these are tied in with BlackRock. Yeah. So what what what's that or is that? Yeah. Yep. Alright. Yep. Alright. Alright. Yep. Oh, okay. So put this as a time stamp and see how much of a growth that compares to what like, as a year from now. Yeah. Yeah. Yes. Yeah. Yep. Yeah. Yeah. Yes. Yep. Yeah. Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Yes. Might go right up until the age. Yeah. Yeah. Yeah. I'll probably work a bit. I still got a bit in me. Yeah. Yep. Yes. Yep. This is the same as Jacob. Yeah. I've sort of gone I've gone to another role. It's what's the basic income I've got there? Yeah. I think it's the same. It's the same? Okay. Yeah. Yes. No. But in the last time, you hear me. Oh, yeah. I I think it's on the base. Yeah. Oh, sorry. I'll take that back. Yeah. And every time as well. Yeah. Yes. Those late last year. K. Yeah. Yeah. Yeah. Yep. Yeah. Oh, no. What is it? Yep. Yeah. Typically, for I'm gonna increase it, but it's typically for 4 100 a month. I was gonna increase it, like, another $50. I'm sorry. So that's $1.50 a week. So instead of 100 a week. So there's another 200, I think. $1.50. Yeah. Yep. Try to. Yeah. Well, I think I could use cellular sick twice instead of saving me. Yep. Yes. Yep. Pretty much. Yep. Yeah. Just that at the moment. Yep. Yep. No. That's cool. No. No. That's it. Yep. Cool. Thank you. Bye bye. 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Yes. Speaking. Good. Good.\n\nYep. Get this one. Carl Charlie Winterstein twenty seven ten seventy four 197420 2 Heights Place, Westlake. Yeah. Bit of both.\n\nThat's fine. Yes. Yes. No. I sort of I've had a bit more of a look into it now coming.\n\nK. It's is that the one with the life cover buyback? No. Yeah. Yeah.\n\nYeah. Yep. Yes. Yes. And just yeah.\n\nYep. Yep. Alright. Alright. Sort of.\n\nOh, okay. Yep. Yes. Yes. Right.\n\nYeah. For two years. So you pay more? Yeah. Yes.\n\nYep. Yeah. Yeah. Yeah. No.\n\nI'll leave I'll leave it as that. But and so is that that's paid out monthly, is it? Or yeah. Basis. Okay.\n\nYeah. Yeah. Yep. No. That's fine.\n\nYeah. No. No. No. I'm fine with that at the moment.\n\nI'm fine for that at the moment. Yeah. I just have a question. Could they get their summaries now and then? Yes.\n\nSo how does that I'm just trying to find hard so what am I actually reading? Because you got, like, the type, date, product, and amount, and then you got status and executed amount. So which one am I yeah. Yeah. Yes.\n\nAlright. Oh, okay. Now I just want I I just I what I what I mean is, like yeah. So I'm just trying to see what what it means by the amount. Because, like yeah.\n\nI'm good. So no. Because it comes up on my email or, like, emails. So I open the email and it says me what they've done. Yeah.\n\nYeah. I'll I'll I'll put that. Yeah. Yes. Yep.\n\nYeah. Oh, yeah. Okay. Oh, okay. Yep.\n\nYep. Okay. Yeah. I'll I'll do it that way then. Yep.\n\nYeah. Yeah. No. That's fine then. Yeah.\n\nI just finished pulling it out today. I just gotta go through and print it out and get it signed. Send it yeah. I've been meaning to do it for a while. No.\n\nNo. Shoot. Yep. Yep. No.\n\nNo. I'm fine with that. I'm just I'll sort of that I will say oh, sorry. No. No.\n\nNo. You got you got you got you. Yes. Yep. Yeah.\n\nYeah. That's fine. Was I was looking at the what was it? Does the annual was it annual review pack. Yeah.\n\nAnd I see that these are tied in with BlackRock. Yeah. So what what what's that or is that? Yeah. Yep.\n\nAlright. Yep. Alright. Alright. Yep.\n\nOh, okay. So put this as a time stamp and see how much of a growth that compares to what like, as a year from now. Yeah. Yeah. Yes.\n\nYeah. Yep. Yeah. Yeah. Yes.\n\nYep. Yeah. Yep. Yep. Yeah.\n\nYep. Yep. Yeah. Yep. Yes.\n\nMight go right up until the age. Yeah. Yeah. Yeah. I'll probably work a bit.\n\nI still got a bit in me. Yeah. Yep. Yes. Yep.\n\nThis is the same as Jacob. Yeah. I've sort of gone I've gone to another role. It's what's the basic income I've got there? Yeah.\n\nI think it's the same. It's the same? Okay. Yeah. Yes.\n\nNo. But in the last time, you hear me. Oh, yeah. I I think it's on the base. Yeah.\n\nOh, sorry. I'll take that back. Yeah. And every time as well. Yeah.\n\nYes. Those late last year. K. Yeah. Yeah.\n\nYeah. Yep. Yeah. Oh, no. What is it?\n\nYep. Yeah. Typically, for I'm gonna increase it, but it's typically for 4 100 a month. I was gonna increase it, like, another $50. I'm sorry.\n\nSo that's $1.50 a week. So instead of 100 a week. So there's another 200, I think. $1.50. Yeah.\n\nYep. Try to. Yeah. Well, I think I could use cellular sick twice instead of saving me. Yep.\n\nYes. Yep. Pretty much. Yep. Yeah.\n\nJust that at the moment. Yep. Yep. No. That's cool.\n\nNo. No. That's it. Yep. Cool.\n\nThank you. Bye bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.027832575142383575},{"text":"Yes.","start":4.72,"end":4.96,"sentiment":"neutral","sentiment_score":0.10204041749238968},{"text":"Speaking.","start":4.96,"end":5.46,"sentiment":"neutral","sentiment_score":0.08471135795116425},{"text":"Good.","start":9.679999,"end":9.92,"sentiment":"positive","sentiment_score":0.4265296459197998},{"text":"Good.","start":9.92,"end":10.42,"sentiment":"positive","sentiment_score":0.4721373915672302}],"sentiment":"neutral","sentiment_score":0.2226502776145935,"num_words":5,"start":1.28,"end":10.42},{"sentences":[{"text":"Yep.","start":16.765,"end":17.265,"sentiment":"neutral","sentiment_score":-0.08718656003475189},{"text":"Get this one.","start":26.525002,"end":27.505001,"sentiment":"neutral","sentiment_score":0.07895262787739436},{"text":"Carl Charlie Winterstein twenty seven ten seventy four 197420 2 Heights Place, 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same?","start":1086.165,"end":1086.8049,"sentiment":"neutral","sentiment_score":0.03149397857487202},{"text":"Okay.","start":1086.8049,"end":1087.3049,"sentiment":"neutral","sentiment_score":0.023632844910025597},{"text":"Yeah.","start":1087.445,"end":1087.945,"sentiment":"neutral","sentiment_score":0.029463253915309903},{"text":"Yes.","start":1093.97,"end":1094.47,"sentiment":"neutral","sentiment_score":0.03121516853570938}],"sentiment":"neutral","sentiment_score":0.03444096886298873,"num_words":11,"start":1084.165,"end":1094.47},{"sentences":[{"text":"No.","start":1095.3301,"end":1095.65,"sentiment":"neutral","sentiment_score":-0.027479276061058044},{"text":"But in the last time, you hear me.","start":1095.65,"end":1097.51,"sentiment":"neutral","sentiment_score":-0.03055723663419485},{"text":"Oh, yeah.","start":1110.785,"end":1111.685,"sentiment":"neutral","sentiment_score":-0.0007268053013831377},{"text":"I I think it's on the base.","start":1113.185,"end":1116.805,"sentiment":"neutral","sentiment_score":-0.05753311035888536},{"text":"Yeah.","start":1123.26,"end":1123.76,"sentiment":"neutral","sentiment_score":-0.02406513504683971}],"sentiment":"neutral","sentiment_score":-0.036851983541916856,"num_words":19,"start":1095.3301,"end":1123.76},{"sentences":[{"text":"Oh, sorry.","start":1124.54,"end":1125.18,"sentiment":"neutral","sentiment_score":-0.07590392604470253},{"text":"I'll take that back.","start":1125.18,"end":1126.32,"sentiment":"neutral","sentiment_score":-0.10325129702687263},{"text":"Yeah.","start":1126.62,"end":1127.12,"sentiment":"neutral","sentiment_score":0.11994579434394836},{"text":"And every time as well.","start":1127.42,"end":1128.8,"sentiment":"neutral","sentiment_score":0.16397840082645415},{"text":"Yeah.","start":1130.155,"end":1130.655,"sentiment":"neutral","sentiment_score":0.2696400284767151}],"sentiment":"neutral","sentiment_score":0.049589598981233746,"num_words":13,"start":1124.54,"end":1130.655},{"sentences":[{"text":"Yes.","start":1135.675,"end":1136.175,"sentiment":"neutral","sentiment_score":0.12797090411186218},{"text":"Those late last year.","start":1146.5701,"end":1148.67,"sentiment":"neutral","sentiment_score":-0.003266553394496441},{"text":"K.","start":1150.3301,"end":1150.8301,"sentiment":"neutral","sentiment_score":0.1018706038594246},{"text":"Yeah.","start":1157.05,"end":1157.355,"sentiment":"neutral","sentiment_score":0.05478674918413162},{"text":"Yeah.","start":1168.715,"end":1169.215,"sentiment":"neutral","sentiment_score":0.03098529949784279}],"sentiment":"neutral","sentiment_score":0.03781841788440943,"num_words":8,"start":1135.675,"end":1169.215},{"sentences":[{"text":"Yeah.","start":1169.4349,"end":1169.9349,"sentiment":"neutral","sentiment_score":0.04004792869091034},{"text":"Yep.","start":1176.45,"end":1176.95,"sentiment":"neutral","sentiment_score":0.05808007717132568},{"text":"Yeah.","start":1189.3049,"end":1189.8049,"sentiment":"neutral","sentiment_score":0.02406918816268444},{"text":"Oh, no.","start":1190.345,"end":1190.6649,"sentiment":"neutral","sentiment_score":-0.0036168252117931843},{"text":"What is it?","start":1190.6649,"end":1191.565,"sentiment":"neutral","sentiment_score":-0.019459424540400505}],"sentiment":"neutral","sentiment_score":0.0070731587475165725,"num_words":8,"start":1169.4349,"end":1191.565},{"sentences":[{"text":"Yep.","start":1198.54,"end":1199.04,"sentiment":"neutral","sentiment_score":0.015747355297207832},{"text":"Yeah.","start":1202.06,"end":1202.56,"sentiment":"neutral","sentiment_score":0.015612426213920116},{"text":"Typically, for I'm gonna increase it, but it's typically for 4 100 a month.","start":1202.62,"end":1207.37,"sentiment":"neutral","sentiment_score":0.014007892285007983},{"text":"I was gonna increase it, like, another $50.","start":1212.285,"end":1214.7051,"sentiment":"neutral","sentiment_score":0.048532865941524506},{"text":"I'm sorry.","start":1225.005,"end":1225.5851,"sentiment":"neutral","sentiment_score":-0.09234626963734627}],"sentiment":"neutral","sentiment_score":0.016578486990720894,"num_words":26,"start":1198.54,"end":1225.5851},{"sentences":[{"text":"So that's $1.50 a week.","start":1225.81,"end":1228.47,"sentiment":"neutral","sentiment_score":-0.030786854587495326},{"text":"So instead of 100 a week.","start":1228.61,"end":1230.63,"sentiment":"neutral","sentiment_score":-0.002889499068260193},{"text":"So there's another 200, I think.","start":1231.01,"end":1233.5701,"sentiment":"neutral","sentiment_score":0.09732606075704098},{"text":"$1.50.","start":1233.5701,"end":1234.31,"sentiment":"neutral","sentiment_score":0.05690427124500275},{"text":"Yeah.","start":1238.37,"end":1238.87,"sentiment":"neutral","sentiment_score":0.0707874447107315}],"sentiment":"neutral","sentiment_score":0.028440884902681176,"num_words":19,"start":1225.81,"end":1238.87},{"sentences":[{"text":"Yep.","start":1249.6951,"end":1250.1951,"sentiment":"neutral","sentiment_score":0.07231425493955612},{"text":"Try to.","start":1264.23,"end":1265.05,"sentiment":"neutral","sentiment_score":0.10524191707372665},{"text":"Yeah.","start":1274.595,"end":1274.9149,"sentiment":"neutral","sentiment_score":-0.023195426911115646},{"text":"Well, I think I could use cellular sick twice instead of saving me.","start":1274.9149,"end":1279.015,"sentiment":"neutral","sentiment_score":-0.13435247884346888},{"text":"Yep.","start":1286.79,"end":1287.29,"sentiment":"neutral","sentiment_score":0.024813976138830185}],"sentiment":"neutral","sentiment_score":-0.0812314214805762,"num_words":18,"start":1249.6951,"end":1287.29},{"sentences":[{"text":"Yes.","start":1289.27,"end":1289.77,"sentiment":"neutral","sentiment_score":0.05056837201118469},{"text":"Yep.","start":1303.115,"end":1303.595,"sentiment":"neutral","sentiment_score":0.07899181544780731},{"text":"Pretty much.","start":1303.595,"end":1304.335,"sentiment":"neutral","sentiment_score":0.10777045041322708},{"text":"Yep.","start":1318.0901,"end":1318.5901,"sentiment":"neutral","sentiment_score":0.07709655165672302},{"text":"Yeah.","start":1334.355,"end":1334.855,"sentiment":"neutral","sentiment_score":0.02240126021206379}],"sentiment":"neutral","sentiment_score":0.07409981669237216,"num_words":6,"start":1289.27,"end":1334.855},{"sentences":[{"text":"Just that at the moment.","start":1335.0199,"end":1339.6799,"sentiment":"neutral","sentiment_score":0.01316523440182209},{"text":"Yep.","start":1343.2599,"end":1343.7599,"sentiment":"neutral","sentiment_score":0.03694193437695503},{"text":"Yep.","start":1357.4349,"end":1357.9149,"sentiment":"neutral","sentiment_score":0.04070964828133583},{"text":"No.","start":1357.9149,"end":1358.1549,"sentiment":"neutral","sentiment_score":-0.11519280821084976},{"text":"That's cool.","start":1358.1549,"end":1358.815,"sentiment":"positive","sentiment_score":0.3393673300743103}],"sentiment":"neutral","sentiment_score":0.07070196066051722,"num_words":10,"start":1335.0199,"end":1358.815},{"sentences":[{"text":"No.","start":1363.69,"end":1363.9299,"sentiment":"neutral","sentiment_score":-0.17346380650997162},{"text":"No.","start":1363.9299,"end":1364.09,"sentiment":"neutral","sentiment_score":-0.21965044736862183},{"text":"That's it.","start":1364.09,"end":1364.83,"sentiment":"neutral","sentiment_score":-0.17399271577596664},{"text":"Yep.","start":1365.37,"end":1365.87,"sentiment":"neutral","sentiment_score":0.14056779444217682},{"text":"Cool.","start":1371.9299,"end":1372.33,"sentiment":"positive","sentiment_score":0.7477682828903198}],"sentiment":"neutral","sentiment_score":0.02453939865032832,"num_words":6,"start":1363.69,"end":1372.33},{"sentences":[{"text":"Thank you.","start":1372.33,"end":1373.15,"sentiment":"positive","sentiment_score":0.7941203713417053},{"text":"Bye bye.","start":1374.513,"end":1374.993,"sentiment":"neutral","sentiment_score":0.20629411935806272},{"text":"Bye bye.","start":1374.993,"end":1375.653,"sentiment":"neutral","sentiment_score":0.0013653859496116638}],"sentiment":"positive","sentiment_score":0.33392662554979324,"num_words":6,"start":1372.33,"end":1375.653}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Carl?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from IT Financial. How are you this morning?\n\nChannel 1: Good. Good.\n\nChannel 0: That's good. I had you booked in for a quick catch up. Is not still a good time for\n\nChannel 1: Yep.\n\nChannel 0: you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nChannel 1: Get this one.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Carl Charlie Winterstein twenty seven ten seventy four 197420\n\nChannel 0: Yep.\n\nChannel 1: 2 Heights Place, Westlake.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your morning been so far? Been busy or just kind of getting started?\n\nChannel 1: Yeah. Bit of both.\n\nChannel 0: Well, I will try not to keep you for for too long.\n\nChannel 1: That's fine.\n\nChannel 0: I essentially had you booked because I I know you had your annual review with my colleague, Michelle. I think it was at December. And at\n\nChannel 1: Yes.\n\nChannel 0: that time, you had a couple of questions in regards to your income protection policy. Is that right? Yeah. So what is it that you, I guess, want to review on your income protection? Is there anything specific?\n\nOr\n\nChannel 1: Yes. No. I sort of I've had a bit more of a look into it now coming.\n\nChannel 0: Yep.\n\nChannel 1: K. It's is that the one with the life cover buyback?\n\nChannel 0: So you\n\nChannel 1: No.\n\nChannel 0: have a little bit different. So you have three policies at the moment with MetLife. So you have your life cover. So that is\n\nChannel 1: Yeah.\n\nChannel 0: obviously if something were to happen to you, that will then\n\nChannel 1: Yeah.\n\nChannel 0: be paid out to your loved ones. So pretty straightforward. You have\n\nChannel 1: Yeah.\n\nChannel 0: about 1,106,700 worth of that.\n\nChannel 1: Yep.\n\nChannel 0: You also have your key PD. So that is your total permanent disability insurance. So that is\n\nChannel 1: Yes.\n\nChannel 0: if you\n\nChannel 1: Yes.\n\nChannel 0: are totally and permanently\n\nChannel 1: And just\n\nChannel 0: disabled,\n\nChannel 1: yeah.\n\nChannel 0: yep, and can never go back to work again, same amount that you insured for.\n\nChannel 1: Yep.\n\nChannel 0: The buyback option, how it works is that when we, put together your insurance policy to make it cheaper for you, the way\n\nChannel 1: Yep.\n\nChannel 0: that it's structured is that you have your life and CPD policy linked. Basically, what that means is that, let's say, you were to claim on total permanent disability, that would cancel your life policy. But then we've\n\nChannel 1: Alright.\n\nChannel 0: added, yeah, we've added that buyback option. So, basically, that means after twelve months, your life cover will be reinstated. So it'll still be there. It's just that twelve month period while it's getting reinstated. And\n\nChannel 1: Alright.\n\nChannel 0: having it does that make sense?\n\nChannel 1: Sort of.\n\nChannel 0: Yeah. It's just kind of a way to to structure it to make the policy cheapest because the insurers, they offer, like, multi policy discounts. So having them kind of structured together, it makes it a lot cheaper for you than if you were to have them back as two separate policy.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. So that's what that buyback option is. So that's in regards through the TPD and the like.\n\nChannel 1: Yep.\n\nChannel 0: Separate to that, you have your income protection. So the income protection, it will pay you it acts as a income replacement if you are temporarily unable to go back to work. So it's not the the\n\nChannel 1: Yes.\n\nChannel 0: total permanent. It's just temporarily if something happens, you can't go back to work, and it's designed to give you a monthly replacement. Now you\n\nChannel 1: Yes.\n\nChannel 0: can have up to 70% of your income covered. That is the max you can have on a new policy. And you currently have a 90 waiting period.\n\nChannel 1: Right. Yeah.\n\nChannel 0: Yeah. So you would\n\nChannel 1: For\n\nChannel 0: have\n\nChannel 1: two\n\nChannel 0: to wait\n\nChannel 1: years.\n\nChannel 0: yeah. Exactly. So the the benefit period, I'm not sure if maybe that's where you were kind of I had some questions because you can have, obviously, a higher amount than what you currently have. So at the\n\nChannel 1: So\n\nChannel 0: moment,\n\nChannel 1: you pay\n\nChannel 0: you\n\nChannel 1: more?\n\nChannel 0: are correct. So at the moment, you are covered for 4,695,\n\nChannel 1: Yeah. Yes.\n\nChannel 0: which is a little bit under than, obviously, your income at the moment. But if you wanna increase it, it is correct. You'd have to pay more for it. And because the insurance side of it, they will be like, okay. Well, we are taking on more risk.\n\nSo you would have to go through, you know, that under underwriting process again\n\nChannel 1: Yep.\n\nChannel 0: with MetLife.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Mhmm. So it's up to you if you want to look at increasing it. If you feel like that 4,695, if that isn't enough, we can look at increase it. Or if you, you know, feel like the the 4,695 to cover your income is still doable for your family, and you're obviously happy with the premium, then we can leave it\n\nChannel 1: No. I'll leave I'll leave it as\n\nChannel 0: as is as well.\n\nChannel 1: that.\n\nChannel 0: Yeah. Yes. Perfect.\n\nChannel 1: But and so is that that's paid out monthly, is it? Or\n\nChannel 0: Yes. So if something were to happen, you would get that payment on a monthly basis.\n\nChannel 1: yeah. Basis. Okay.\n\nChannel 0: Yeah. You would kind of go back to doc to the doctors kind of regularly through, you know, assess that you're still unable to go back to work, but it is a monthly replacement. The other through, like, the life and TPD is like a lump sum that gets paid at once,\n\nChannel 1: Yeah.\n\nChannel 0: whereas\n\nChannel 1: Yeah.\n\nChannel 0: income is that monthly replacement for for up to two years for you.\n\nChannel 1: Yep. No. That's fine.\n\nChannel 0: Yep. Perfect. And that is all paid from within your hub 24, so you don't pay for it out of pocket.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Did you have any other questions with income protection or insurances at all or just\n\nChannel 1: No. No. No. I'm fine\n\nChannel 0: no?\n\nChannel 1: with that at the moment. I'm\n\nChannel 0: Yeah.\n\nChannel 1: fine for that at the moment.\n\nChannel 0: Yeah. Okay. Perfect. You know, if anything does change and you do wanna revisit it, you know, just give us a call, and we can always run through that process with you.\n\nChannel 1: Yeah. I just have a\n\nChannel 0: Yeah.\n\nChannel 1: question. Could they get\n\nChannel 0: Yeah.\n\nChannel 1: their summaries now and then?\n\nChannel 0: Yes.\n\nChannel 1: Yes. So how does that I'm just trying to find hard\n\nChannel 0: Yeah.\n\nChannel 1: so what am I actually reading? Because you got, like, the type, date, product, and amount, and then you got status and executed amount. So which one am\n\nChannel 0: From\n\nChannel 1: I\n\nChannel 0: from HAP twenty four?\n\nChannel 1: yeah.\n\nChannel 0: Yeah. You you don't have to worry about that. They just send that automatically. Sometimes it can be confusing. They just send that automatically because, obviously, your employer will pay contributions going into superannuation.\n\nChannel 1: Yeah.\n\nChannel 0: And when it gets contributed into superannuation, it gets reinvested into your\n\nChannel 1: Yes.\n\nChannel 0: portfolio. So it's just showing transactions and stuff like that when it happens. It can be a little bit confusing. You don't have to action or do anything. It all comes in the back end when your contributions do come in there.\n\nAnd if you have, you know, insurances\n\nChannel 1: Alright. Oh, okay. Now I just want I I just I what I what I mean is, like yeah. So I'm just trying to see what what it means by the amount. Because,\n\nChannel 0: Okay.\n\nChannel 1: like yeah.\n\nChannel 0: So let me go into your account. Sorry. Because they just send it automatically to you when the transaction happens, I can't see that in front of me, but I can log in to your account and have a little look. Do you have your hub twenty four? Like, do you have the app on your mobile phone or anything like that?\n\nDo you keep an eye on your super\n\nChannel 1: I'm good.\n\nChannel 0: a bit?\n\nChannel 1: So no. Because it comes up on my email or, like, emails. So I open the email and it says me what they've done.\n\nChannel 0: Yeah. Yeah. I typically find because I use Hub 24 for my personal super as well, and\n\nChannel 1: Yeah.\n\nChannel 0: I just have the, like, the Hub 24 app on my mobile phone.\n\nChannel 1: Yeah.\n\nChannel 0: I found\n\nChannel 1: I'll\n\nChannel 0: that\n\nChannel 1: I'll\n\nChannel 0: the\n\nChannel 1: I'll\n\nChannel 0: easiest.\n\nChannel 1: put that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So, typically, if you go into transactions, that's when you can see see it a bit more clearly what's happened. So I'll try to go into your account now and have a little look. So you can go into something that's called cash transaction, and that's\n\nChannel 1: Yes.\n\nChannel 0: when you when you can see it. So, for example, I can see that on the fifth of this month, you had two deposits from your work. So heat and control PTY LCD.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So you had 1,532 and 47¢ deposited for that, and then you also had another $400 deposited. So it kind\n\nChannel 1: Yeah.\n\nChannel 0: of shows what what goes in. And then you had adviser fee come out in Feb as well, transaction fees for your portfolio, and then you had a little interest added to your account up for $9. And then underneath that, I can see then the transaction movement of your investment. Now\n\nChannel 1: Oh, yeah. Okay.\n\nChannel 0: so if it is sometimes a slight amount because I can't really see that report, but sometimes if it is, like, your contributions going in because they get taxed at 15%, that's maybe why it's a little bit different if it shows\n\nChannel 1: Oh, okay.\n\nChannel 0: slightly different. Yeah. But that's obviously a lot cheaper than your marginal tax rate, which is great, and that's what makes it so tax effective.\n\nChannel 1: Yep.\n\nChannel 0: So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, sometimes it\n\nChannel 1: Okay.\n\nChannel 0: can be a bit confusing. So I I typically go in through that transaction statement and have\n\nChannel 1: Yeah.\n\nChannel 0: a look because\n\nChannel 1: I'll\n\nChannel 0: that\n\nChannel 1: I'll\n\nChannel 0: gives\n\nChannel 1: do\n\nChannel 0: you\n\nChannel 1: it\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: bit\n\nChannel 1: way\n\nChannel 0: more\n\nChannel 1: then.\n\nChannel 0: yeah. Because it shows you kind of, you know, the credit and the debit and GST amounts and then balance and stuff, and it can kind of show a bit more clearly what's happened and what comes\n\nChannel 1: Yep.\n\nChannel 0: in and what comes out. Because sometimes those reports, yeah, they can be a little bit messy.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. That's fine then.\n\nChannel 0: Yeah. Now, Carl, while I do have you on the phone, I do wanna just check as well because it looks like we are waiting on your beneficiary forms to come back.\n\nChannel 1: Yeah.\n\nChannel 0: Did you\n\nChannel 1: I just finished\n\nChannel 0: ah, perfect.\n\nChannel 1: pulling it out\n\nChannel 0: Yep.\n\nChannel 1: today. I\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: mean\n\nChannel 1: gotta go through and print it out and get it signed.\n\nChannel 0: yep.\n\nChannel 1: Send\n\nChannel 0: No.\n\nChannel 1: it yeah.\n\nChannel 0: That's okay. Did you have\n\nChannel 1: I've\n\nChannel 0: any\n\nChannel 1: been meaning\n\nChannel 0: questions\n\nChannel 1: to do it\n\nChannel 0: in\n\nChannel 1: for a\n\nChannel 0: regards\n\nChannel 1: while.\n\nChannel 0: no. That's okay.\n\nChannel 1: No. No.\n\nChannel 0: I always just remind because you obviously wanna make sure that, you know, we have it on file if something were to\n\nChannel 1: Shoot.\n\nChannel 0: happen. So I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to see if you needed a resend or anything, but that's great that you're in the process of filling it out. If you do have any questions on how to complete it or who to nominate or anything like that, just just let us know.\n\nChannel 1: Yep. No. No. I'm fine\n\nChannel 0: Yep.\n\nChannel 1: with that. I'm just\n\nChannel 0: Yep.\n\nChannel 1: I'll sort\n\nChannel 0: Perfect.\n\nChannel 1: of that\n\nChannel 0: Great.\n\nChannel 1: I will\n\nChannel 0: Any\n\nChannel 1: say oh, sorry.\n\nChannel 0: yeah. No. You\n\nChannel 1: No. No. No. You got you got you\n\nChannel 0: go.\n\nChannel 1: got you.\n\nChannel 0: I was going to say it also looks like the ID we have on file for you expired on the December 19. Did you get any license by any chance?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay. Perfect. So what I might get the team to do is just to send you a bit of an email. And then when you have a moment, if you can just take a photo of the front and the back of your license and send through just so we can\n\nChannel 1: Yep.\n\nChannel 0: keep that on file for you when you do have a moment.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Perfect. And what was your question?\n\nChannel 1: Was I was looking at the what was it? Does the annual was it annual review pack.\n\nChannel 0: Yeah. And your\n\nChannel 1: Yeah.\n\nChannel 0: review pack? Yes.\n\nChannel 1: And I see that these are tied in with BlackRock.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yeah. So what what what's that or is that?\n\nChannel 0: Yeah. So with BlackRock, we've launched an SMA as well. So it's kind of a self managed account. So we\n\nChannel 1: Yeah.\n\nChannel 0: work with them on creating some investment options as well for clients. So, basically, how it's a little bit different. So you know when you go in Hub 24 at the moment, you can see all your individual investments and how you are invested.\n\nChannel 1: Yep.\n\nChannel 0: Now the SMA works a little bit different in that you would only typically see that you're invested in one SMA. And so whatever that name\n\nChannel 1: Alright.\n\nChannel 0: might be, you will just see the one option. So you're not you're not necessarily will know all the individual investments. You can still see them, but it's not as visible, I guess. And the benefit\n\nChannel 1: Yep.\n\nChannel 0: with the SMA is that if there is a particular investment that we currently have you in, for example, that is not doing well or we foresee it's not doing At the moment, the way things would work if we need to swap it out is that we would, you know, do your SOA and your and your research and everything like that presented to you. You would have to always let us know you're happy to go ahead with the change, then we can authorize the the change for you. With\n\nChannel 1: Alright.\n\nChannel 0: the SMA, it is a little bit different. It kind of takes away the paperwork a little bit because it gives us the flexibility that within the SMA, we can kind of chop and change the investment without you having to be involved in it. So it cuts\n\nChannel 1: Alright.\n\nChannel 0: out yeah. It it can make it quicker if it is something that we, let's say, quickly have to make a decision on because it smooths up the process on on doing\n\nChannel 1: Yep.\n\nChannel 0: that, and it would just kind of happen more in the back end. Do you kind of prefer something like that, like, where we have that more flexibility of chopping and changing, Or do you\n\nChannel 1: Oh,\n\nChannel 0: like having that\n\nChannel 1: okay.\n\nChannel 0: full visibility?\n\nChannel 1: So put this as a time stamp and see how much of a growth that compares to what like, as a year from now. Yeah.\n\nChannel 0: Yeah. Well, I can definitely I can put together some research for you so\n\nChannel 1: Yeah.\n\nChannel 0: I can do a comparison of, okay, what what's it like currently and compare that with you know, if we move you into the SMA, how that will change things.\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: will also, yeah, I will also factor in because by making switches, we would have to sell down some of your investments and it over. So by doing so, especially if your investments have gone up, there will be some capital gains tax associated\n\nChannel 1: Yep.\n\nChannel 0: with it.\n\nChannel 1: Yeah.\n\nChannel 0: But I would I would calculate that and, you know, let you know what that would look like before, obviously, deciding if that would be suitable for you or not. So\n\nChannel 1: Yeah.\n\nChannel 0: for me to do that research, I do wanna just check as well because we have different portfolios for different risk profiles. So at the moment, we have you invested in a growth portfolio.\n\nChannel 1: Yes.\n\nChannel 0: So, typically, we see about, you know, 80% in your growth investment. So that is your Australian shares, international shares, property, and stuff like that to try to maximize the growth for you. And then you do have about 20% in your more defensive investment. So, like, your cash, your gold,\n\nChannel 1: Yep.\n\nChannel 0: your fixed\n\nChannel 1: Yeah.\n\nChannel 0: interest, for example. And it's, yeah, it's basically decide to try to, you know, maximize growth as much as possible, but still wanting to have a little bit of that defensive proportion to it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And, typically, when we are looking at a appropriate time frame because, obviously, your your super will grow. That's the focus, but you will see a bit of fluctuations as well. In\n\nChannel 1: Yeah.\n\nChannel 0: the growth portfolio, we wanna allow about five years minimum until retirement. So making sure you\n\nChannel 1: Yep.\n\nChannel 0: have enough time in the market. So at the moment, at least you have more than five years until you can access your super at the moment. So\n\nChannel 1: Yep.\n\nChannel 0: a time frame point of view, it's suitable for you as long as you are comfortable seeing, you know, a bit of fluctuations in order to get you there.\n\nChannel 1: Yeah.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: does that all make sense? Are you happy to stay within, like, you know, the same kind of risk profile? Just look at, you know, different options?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Perfect. Now at the moment as well, sorry, because I'll do put a a comparison, a forecast up for you. At the moment, do you know when you would like to access Super?\n\nChannel 1: Might go right up until the age.\n\nChannel 0: Yeah. Sorry. Because\n\nChannel 1: Yeah.\n\nChannel 0: you can you can access super if you if you stop working, you can access super completely tax free at the age of 60. If you\n\nChannel 1: Yeah.\n\nChannel 0: would like to keep working, 65, or if you're eligible for age pension at 67. So do you think if you can, you'd like to take it at 60, or do you think you'd\n\nChannel 1: Yeah.\n\nChannel 0: work a bit longer?\n\nChannel 1: I'll probably work a bit. I still got a bit in me.\n\nChannel 0: Yeah. Like, 65?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Do you have a kind of time frame guide to work with? And I do have here an ideal income per week at around 1,300.\n\nIs that still, you know, the goal for you, do you think, if you were to take 1,300 per week from super?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And let me see here. With your superannuation, I have that your goals is just to tryna grow it as much as possible for you to have the best retirement and then kind of have your children set up as well. So you don't really have to worry too much.\n\nThat's still the same?\n\nChannel 1: Yes. Yep. This\n\nChannel 0: Yep.\n\nChannel 1: is the same\n\nChannel 0: Yep.\n\nChannel 1: as Jacob.\n\nChannel 0: Okay. Great. Perfect. Now with your contributions into super, because I'll factor that in as well. So I can see here that there's a bit of a difference between your income, so your base income, and then your total income.\n\nDid you get quite a lot of bonus and overtime?\n\nChannel 1: Yeah. I've sort of gone\n\nChannel 0: Yeah?\n\nChannel 1: I've gone to another role.\n\nChannel 0: Okay. So I have here so what's your base income? Your base income?\n\nChannel 1: It's what's the basic income I've got there?\n\nChannel 0: 120?\n\nChannel 1: Yeah. I think it's the same.\n\nChannel 0: It's the same?\n\nChannel 1: It's\n\nChannel 0: Okay.\n\nChannel 1: the same? Okay.\n\nChannel 0: And then\n\nChannel 1: Yeah.\n\nChannel 0: I have here that total income is about 200,000.\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: No. But in the last time, you hear me.\n\nChannel 0: Yeah. Okay. Perfect. And now do you know if your employer pays contributions on your base income, or do they factor in, you know, overtime and stuff like that as well? Just so I can\n\nChannel 1: Oh,\n\nChannel 0: get\n\nChannel 1: yeah.\n\nChannel 0: all the\n\nChannel 1: I\n\nChannel 0: Not\n\nChannel 1: I think it's on the base.\n\nChannel 0: sure? Yeah. Typically, it is that sometimes they include it on overtime and stuff, just not really\n\nChannel 1: Yeah.\n\nChannel 0: bone bonuses.\n\nChannel 1: Oh, sorry. I'll take that back. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And every time as well.\n\nChannel 0: Yeah. Perfect. So\n\nChannel 1: Yeah.\n\nChannel 0: around do you think on the 200,000, they would pay the 12 percent on?\n\nChannel 1: Yes.\n\nChannel 0: Yep? Okay. I can kind of cross reference a little bit on so sorry. When did you get the the bonus to say, or when did you change role? Was that before\n\nChannel 1: Those late last year.\n\nChannel 0: that yes. Okay. So\n\nChannel 1: K.\n\nChannel 0: contributions that's kind of come into your account this year should be kind of up to date with the new income?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Because I can use that as well to kinda cross reference the math just to see. And are you making salary sacrifice or anything like that as\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: well? Yes. Now I can see it's changed a little bit. So in Feb, I saw $400.\n\nChannel 1: Yep.\n\nChannel 0: And then in Jan, there was $500 coming in. Let me see if I can go back a little bit further. Then in December, there was 400.\n\nChannel 1: Yeah. Oh,\n\nChannel 0: Do\n\nChannel 1: no.\n\nChannel 0: you\n\nChannel 1: What\n\nChannel 0: typically\n\nChannel 1: is it?\n\nChannel 0: and then December was 400 as well. So we just had an additional 100\n\nChannel 1: Yep.\n\nChannel 0: in January. So do you typically do $400 a month?\n\nChannel 1: Yeah. Typically,\n\nChannel 0: Yep.\n\nChannel 1: for I'm gonna increase it, but it's typically for 4\n\nChannel 0: Okay.\n\nChannel 1: 100 a month.\n\nChannel 0: What are you thinking of increasing it through?\n\nChannel 1: I was gonna increase it, like, another $50.\n\nChannel 0: Yeah? Would you like me when I do the research to show you, like, to increase it to $4.50, just making sure you're not exceeding any contribution caps and\n\nChannel 1: I'm sorry.\n\nChannel 0: stuff like\n\nChannel 1: So that's $1.50 a week. So\n\nChannel 0: that. Okay.\n\nChannel 1: instead of 100 a week. So\n\nChannel 0: Okay.\n\nChannel 1: there's another\n\nChannel 0: Perfect.\n\nChannel 1: 200, I think. $1.50.\n\nChannel 0: Okay. Yeah. So about you're looking at doing about $600 a month?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Perfect. So would you like me to factor that in into the research to show you, you know, to increase your salary sacrifice to 150 a week?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. And I do have here as well here here at the moment that it doesn't look like you're saving anything on a weekly basis. You guys would be saving a little bit then, I presume, per week.\n\nChannel 1: Try to.\n\nChannel 0: Yeah. Do you know roughly how much you save? Because, obviously, salary sacrificing more will obviously impact your take home pay.\n\nChannel 1: Yeah. Well, I think I could use cellular sick twice instead of saving me.\n\nChannel 0: Yeah. Okay. But to cover, like, bills and expenses and living living costs, you guys are fine. Like, you have\n\nChannel 1: Yep.\n\nChannel 0: that kind of buffer buffer?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Great. Perfect. And your you don't have any other, like, enterprise bargain agreements or anything like that with your employer?\n\nIt's kind of like that standard 12%.\n\nChannel 1: Yep. Pretty much.\n\nChannel 0: Yep. Yep. Alright. Perfect. Well, I'll go and have a a look at this for you.\n\nI'll compare the SMA for you, and then I'll also have a review of your current portfolio as well just to see if there's any other tweaks we wanna make otherwise.\n\nChannel 1: Yep.\n\nChannel 0: Now and you obviously said you're happy with your insurances, so we're not touching them at the moment. You're sorting out your estate planning. Is there anything else you want me to research or have a look at for you at the moment, or is it mainly just, like, the the super and having a look at the estimate?\n\nChannel 1: Yeah. Just that at\n\nChannel 0: Yeah. Yeah. Alright. Perfect. We'll leave that with me.\n\nChannel 1: the\n\nChannel 0: It might\n\nChannel 1: moment.\n\nChannel 0: take a week or two potentially, probably more\n\nChannel 1: Yep.\n\nChannel 0: likely around three weeks or so for me to get all these research together. As soon as I have it, I will give you a call, run through how that would change for you, and then you can obviously let me know if it's something that you want to go ahead with\n\nChannel 1: Yep.\n\nChannel 0: or\n\nChannel 1: No.\n\nChannel 0: not.\n\nChannel 1: That's\n\nChannel 0: Yep.\n\nChannel 1: cool.\n\nChannel 0: Perfect. Would you have any other questions for me before I let you go otherwise?\n\nChannel 1: No. No. That's it.\n\nChannel 0: No? Yep. Alright.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Well, I will let you go, and enjoy the rest your day, and I look forward to speaking with you soon again.\n\nChannel 1: Cool. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye bye. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.027832575142383575}],"sentiment":"neutral","sentiment_score":0.027832575142383575,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Good morning.","start":2.48,"end":3.04,"sentiment":"neutral","sentiment_score":0.1926148757338524},{"text":"Is this Carl?","start":3.04,"end":3.78,"sentiment":"neutral","sentiment_score":0.11216879139343898}],"sentiment":"neutral","sentiment_score":0.14434722512960435,"channel":0,"num_words":5,"start":2.48,"end":3.78},{"sentences":[{"text":"Yes.","start":4.72,"end":4.96,"sentiment":"neutral","sentiment_score":0.10204041749238968},{"text":"Speaking.","start":4.96,"end":5.46,"sentiment":"neutral","sentiment_score":0.08471135795116425}],"sentiment":"neutral","sentiment_score":0.09337588772177696,"channel":1,"num_words":2,"start":4.72,"end":5.46},{"sentences":[{"text":"This is Veronica from IT Financial.","start":5.6,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.13857168952624002},{"text":"How are you this morning?","start":7.8399997,"end":8.9,"sentiment":"neutral","sentiment_score":0.15779474079608918}],"sentiment":"neutral","sentiment_score":0.14730944010344418,"channel":0,"num_words":11,"start":5.6,"end":8.9},{"sentences":[{"text":"Good.","start":9.679999,"end":9.92,"sentiment":"positive","sentiment_score":0.4265296459197998},{"text":"Good.","start":9.92,"end":10.42,"sentiment":"positive","sentiment_score":0.4721373915672302}],"sentiment":"positive","sentiment_score":0.449333518743515,"channel":1,"num_words":2,"start":9.679999,"end":10.42},{"sentences":[{"text":"That's good.","start":11.04,"end":11.78,"sentiment":"positive","sentiment_score":0.5581656694412231},{"text":"I had you booked in for a quick catch up.","start":12.48,"end":14.48,"sentiment":"neutral","sentiment_score":0.12382998317480087},{"text":"Is not still a good time for","start":14.48,"end":15.855,"sentiment":"neutral","sentiment_score":-0.1625468134880066}],"sentiment":"neutral","sentiment_score":0.06404228822181099,"channel":0,"num_words":19,"start":11.04,"end":15.855},{"sentences":[{"text":"Yep.","start":16.765,"end":17.265,"sentiment":"neutral","sentiment_score":-0.08718656003475189}],"sentiment":"neutral","sentiment_score":-0.08718656003475189,"channel":1,"num_words":1,"start":16.765,"end":17.265},{"sentences":[{"text":"you?","start":17.455,"end":17.615,"sentiment":"neutral","sentiment_score":-0.005604773759841919},{"text":"Yep.","start":17.615,"end":18.015,"sentiment":"neutral","sentiment_score":0.06029238551855087},{"text":"Perfect.","start":18.015,"end":18.515,"sentiment":"neutral","sentiment_score":0.24402746558189392},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":18.974998,"end":25.875,"sentiment":"neutral","sentiment_score":0.026064758574397398}],"sentiment":"neutral","sentiment_score":0.03295603362494148,"channel":0,"num_words":32,"start":17.455,"end":25.875},{"sentences":[{"text":"Get this one.","start":26.525002,"end":27.505001,"sentiment":"neutral","sentiment_score":0.07895262787739436}],"sentiment":"neutral","sentiment_score":0.07895262787739436,"channel":1,"num_words":3,"start":26.525002,"end":27.505001},{"sentences":[{"text":"Perfect.","start":27.695,"end":28.195,"sentiment":"neutral","sentiment_score":0.23118716478347776},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":28.255,"end":37.09,"sentiment":"neutral","sentiment_score":0.07295102382508609}],"sentiment":"neutral","sentiment_score":0.07881162163835985,"channel":0,"num_words":27,"start":27.695,"end":37.09},{"sentences":[{"text":"Carl Charlie Winterstein twenty seven ten seventy four 197420","start":36.79,"end":42.79,"sentiment":"neutral","sentiment_score":0.010848419533835517}],"sentiment":"neutral","sentiment_score":0.010848419533835517,"channel":1,"num_words":9,"start":36.79,"end":42.79},{"sentences":[{"text":"Yep.","start":42.67,"end":43.17,"sentiment":"neutral","sentiment_score":0.015796709805727005}],"sentiment":"neutral","sentiment_score":0.015796709805727005,"channel":0,"num_words":1,"start":42.67,"end":43.17},{"sentences":[{"text":"2 Heights Place, Westlake.","start":42.79,"end":44.09,"sentiment":"neutral","sentiment_score":0.017068232409656048}],"sentiment":"neutral","sentiment_score":0.017068232409656048,"channel":1,"num_words":4,"start":42.79,"end":44.09},{"sentences":[{"text":"Yep.","start":44.51,"end":44.83,"sentiment":"neutral","sentiment_score":0.1035066470503807},{"text":"Perfect.","start":44.83,"end":45.309998,"sentiment":"positive","sentiment_score":0.4584025740623474},{"text":"That's exactly what I have here.","start":45.309998,"end":46.935,"sentiment":"positive","sentiment_score":0.48316436509291333},{"text":"And how's your morning been so far?","start":46.935,"end":48.775,"sentiment":"neutral","sentiment_score":0.11258929967880249},{"text":"Been busy or just kind of getting started?","start":48.775,"end":50.875,"sentiment":"neutral","sentiment_score":-0.0050233297515660524}],"sentiment":"neutral","sentiment_score":0.1829927770177955,"channel":0,"num_words":23,"start":44.51,"end":50.875},{"sentences":[{"text":"Yeah.","start":51.965,"end":52.205,"sentiment":"neutral","sentiment_score":0.024324923753738403},{"text":"Bit of both.","start":52.205,"end":53.105003,"sentiment":"neutral","sentiment_score":0.00020140533645947775}],"sentiment":"neutral","sentiment_score":0.006232284940779209,"channel":1,"num_words":4,"start":51.965,"end":53.105003},{"sentences":[{"text":"Well, I will try not to keep you for for too long.","start":54.055,"end":56.955,"sentiment":"neutral","sentiment_score":-0.10931019127989809}],"sentiment":"neutral","sentiment_score":-0.10931019127989809,"channel":0,"num_words":12,"start":54.055,"end":56.955},{"sentences":[{"text":"That's fine.","start":57.485,"end":58.11,"sentiment":"neutral","sentiment_score":0.11313364654779434}],"sentiment":"neutral","sentiment_score":0.11313364654779434,"channel":1,"num_words":2,"start":57.485,"end":58.11},{"sentences":[{"text":"I essentially had you booked because I I know you had your annual review with my colleague, Michelle.","start":57.735,"end":63.1,"sentiment":"neutral","sentiment_score":0.04000749563177427},{"text":"I think it was at December.","start":63.88,"end":65.9,"sentiment":"neutral","sentiment_score":0.0286019379273057},{"text":"And at","start":66.6,"end":67.0,"sentiment":"neutral","sentiment_score":0.02375437691807747}],"sentiment":"neutral","sentiment_score":0.03612520395276638,"channel":0,"num_words":26,"start":57.735,"end":67.0},{"sentences":[{"text":"Yes.","start":66.99,"end":67.49,"sentiment":"neutral","sentiment_score":0.02903766557574272}],"sentiment":"neutral","sentiment_score":0.02903766557574272,"channel":1,"num_words":1,"start":66.99,"end":67.49},{"sentences":[{"text":"that time, you had a couple of questions in regards to your income protection policy.","start":67.0,"end":71.34,"sentiment":"neutral","sentiment_score":0.00794431654115518},{"text":"Is that right?","start":71.4,"end":72.3,"sentiment":"neutral","sentiment_score":0.03004533362885316},{"text":"Yeah.","start":74.92,"end":75.42,"sentiment":"neutral","sentiment_score":-0.0019874731078743935},{"text":"So what is it that you, I guess, want to review on your income protection?","start":76.68,"end":81.314995,"sentiment":"neutral","sentiment_score":-0.011441712888578573},{"text":"Is there anything specific?","start":81.375,"end":82.994995,"sentiment":"neutral","sentiment_score":-0.014863627962768078}],"sentiment":"neutral","sentiment_score":-0.0006254455074667931,"channel":0,"num_words":38,"start":67.0,"end":82.994995},{"sentences":[{"text":"Or","start":83.375,"end":83.875,"sentiment":"neutral","sentiment_score":-0.01280965469777584}],"sentiment":"neutral","sentiment_score":-0.01280965469777584,"channel":0,"num_words":1,"start":83.375,"end":83.875},{"sentences":[{"text":"Yes.","start":84.024994,"end":84.524994,"sentiment":"neutral","sentiment_score":-0.016839105635881424},{"text":"No.","start":85.96001,"end":86.28001,"sentiment":"neutral","sentiment_score":-0.13269920647144318},{"text":"I sort of I've had a bit more of a look into it now coming.","start":86.28001,"end":89.9,"sentiment":"neutral","sentiment_score":-0.12624007215102515}],"sentiment":"neutral","sentiment_score":-0.12018467025721774,"channel":1,"num_words":17,"start":84.024994,"end":89.9},{"sentences":[{"text":"Yep.","start":90.255,"end":90.57,"sentiment":"neutral","sentiment_score":-0.004531744867563248}],"sentiment":"neutral","sentiment_score":-0.004531744867563248,"channel":0,"num_words":1,"start":90.255,"end":90.57},{"sentences":[{"text":"K.","start":91.16,"end":91.560005,"sentiment":"neutral","sentiment_score":-0.008359130471944809},{"text":"It's is that the one with the life cover buyback?","start":91.560005,"end":94.700005,"sentiment":"neutral","sentiment_score":-0.010229205526411534}],"sentiment":"neutral","sentiment_score":-0.010059198703278194,"channel":1,"num_words":11,"start":91.16,"end":94.700005},{"sentences":[{"text":"So you","start":95.85,"end":96.49,"sentiment":"neutral","sentiment_score":-0.023457336239516735}],"sentiment":"neutral","sentiment_score":-0.023457336239516735,"channel":0,"num_words":2,"start":95.85,"end":96.49},{"sentences":[{"text":"No.","start":96.36,"end":96.86,"sentiment":"neutral","sentiment_score":-0.07036736607551575}],"sentiment":"neutral","sentiment_score":-0.07036736607551575,"channel":1,"num_words":1,"start":96.36,"end":96.86},{"sentences":[{"text":"have a little bit different.","start":96.49,"end":98.09,"sentiment":"neutral","sentiment_score":-0.061169817298650744},{"text":"So you have three policies at the moment with MetLife.","start":98.09,"end":100.41,"sentiment":"neutral","sentiment_score":-0.016337903309613468},{"text":"So you have your life cover.","start":100.41,"end":101.79,"sentiment":"neutral","sentiment_score":-0.004356297043462594},{"text":"So that 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you","start":933.155,"end":933.955,"sentiment":"neutral","sentiment_score":0.12977683916687965}],"sentiment":"neutral","sentiment_score":0.09373393654823303,"channel":0,"num_words":16,"start":926.91504,"end":933.955},{"sentences":[{"text":"Yep.","start":933.885,"end":934.385,"sentiment":"neutral","sentiment_score":0.11427628993988036}],"sentiment":"neutral","sentiment_score":0.11427628993988036,"channel":1,"num_words":1,"start":933.885,"end":934.385},{"sentences":[{"text":"have enough time in the market.","start":933.955,"end":935.495,"sentiment":"neutral","sentiment_score":0.11378346756100655},{"text":"So at the moment, at least you have more than five years until you can access your super at the 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ideal income per week at around 1,300.","start":1010.695,"end":1016.395,"sentiment":"neutral","sentiment_score":0.25167840948471654}],"sentiment":"neutral","sentiment_score":0.25290216665182796,"channel":0,"num_words":28,"start":1007.015,"end":1016.395},{"sentences":[{"text":"Is that still, you know, the goal for you, do you think, if you were to take 1,300 per week from 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Jacob.","start":1045.3201,"end":1046.06,"sentiment":"neutral","sentiment_score":0.12529504299163818}],"sentiment":"neutral","sentiment_score":0.12529504299163818,"channel":1,"num_words":2,"start":1045.3201,"end":1046.06},{"sentences":[{"text":"Okay.","start":1047.055,"end":1047.33,"sentiment":"neutral","sentiment_score":0.281794935464859},{"text":"Great.","start":1047.49,"end":1047.99,"sentiment":"positive","sentiment_score":0.5468043088912964},{"text":"Perfect.","start":1050.69,"end":1051.1699,"sentiment":"positive","sentiment_score":0.4849289655685425},{"text":"Now with your contributions into super, because I'll factor that in as well.","start":1051.1699,"end":1056.13,"sentiment":"neutral","sentiment_score":0.294760063290596},{"text":"So I can see here that there's a bit of a difference between your income, so your base income, and then your total 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same?","start":1086.405,"end":1086.8049,"sentiment":"neutral","sentiment_score":0.034662969410419464},{"text":"Okay.","start":1086.8049,"end":1087.3049,"sentiment":"neutral","sentiment_score":0.023632844910025597}],"sentiment":"neutral","sentiment_score":0.03098626124362151,"channel":1,"num_words":3,"start":1086.405,"end":1087.3049},{"sentences":[{"text":"And then","start":1087.165,"end":1087.5651,"sentiment":"neutral","sentiment_score":0.026177781634032726}],"sentiment":"neutral","sentiment_score":0.026177781634032726,"channel":0,"num_words":2,"start":1087.165,"end":1087.5651},{"sentences":[{"text":"Yeah.","start":1087.445,"end":1087.945,"sentiment":"neutral","sentiment_score":0.029463253915309903}],"sentiment":"neutral","sentiment_score":0.029463253915309903,"channel":1,"num_words":1,"start":1087.445,"end":1087.945},{"sentences":[{"text":"I have here that total income is about 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basis.","start":1253.0,"end":1258.995,"sentiment":"neutral","sentiment_score":0.2329826969653368},{"text":"You guys would be saving a little bit then, I presume, per week.","start":1259.855,"end":1263.075,"sentiment":"neutral","sentiment_score":0.224461629986763}],"sentiment":"neutral","sentiment_score":0.23820766620337963,"channel":0,"num_words":40,"start":1250.52,"end":1263.075},{"sentences":[{"text":"Try to.","start":1264.23,"end":1265.05,"sentiment":"neutral","sentiment_score":0.10524191707372665}],"sentiment":"neutral","sentiment_score":0.10524191707372665,"channel":1,"num_words":2,"start":1264.23,"end":1265.05},{"sentences":[{"text":"Yeah.","start":1265.615,"end":1266.115,"sentiment":"neutral","sentiment_score":0.05695129558444023},{"text":"Do you know roughly how much you save?","start":1267.135,"end":1269.2949,"sentiment":"neutral","sentiment_score":0.020301770186051726},{"text":"Because, obviously, salary sacrificing more will obviously impact your take home pay.","start":1269.2949,"end":1273.92,"sentiment":"neutral","sentiment_score":-0.09031102247536182}],"sentiment":"neutral","sentiment_score":-0.04116032441102323,"channel":0,"num_words":21,"start":1265.615,"end":1273.92},{"sentences":[{"text":"Yeah.","start":1274.595,"end":1274.9149,"sentiment":"neutral","sentiment_score":-0.023195426911115646},{"text":"Well, I think I could use cellular sick twice instead of saving me.","start":1274.9149,"end":1279.015,"sentiment":"neutral","sentiment_score":-0.13435247884346888}],"sentiment":"neutral","sentiment_score":-0.12641268941972936,"channel":1,"num_words":14,"start":1274.595,"end":1279.015},{"sentences":[{"text":"Yeah.","start":1279.5,"end":1279.8201,"sentiment":"neutral","sentiment_score":0.010684870183467863},{"text":"Okay.","start":1279.8201,"end":1280.3201,"sentiment":"neutral","sentiment_score":0.028812171891331673},{"text":"But to cover, like, bills and expenses and living living costs, you guys are fine.","start":1281.42,"end":1286.0651,"sentiment":"neutral","sentiment_score":0.07350338126222293},{"text":"Like, you have","start":1286.0651,"end":1286.865,"sentiment":"neutral","sentiment_score":0.05478185911973318}],"sentiment":"neutral","sentiment_score":0.06531966691836714,"channel":0,"num_words":20,"start":1279.5,"end":1286.865},{"sentences":[{"text":"Yep.","start":1286.79,"end":1287.29,"sentiment":"neutral","sentiment_score":0.024813976138830185}],"sentiment":"neutral","sentiment_score":0.024813976138830185,"channel":1,"num_words":1,"start":1286.79,"end":1287.29},{"sentences":[{"text":"that kind of buffer buffer?","start":1286.865,"end":1288.405,"sentiment":"neutral","sentiment_score":0.021419049054384232}],"sentiment":"neutral","sentiment_score":0.021419049054384232,"channel":0,"num_words":5,"start":1286.865,"end":1288.405},{"sentences":[{"text":"Yes.","start":1289.27,"end":1289.77,"sentiment":"neutral","sentiment_score":0.05056837201118469}],"sentiment":"neutral","sentiment_score":0.05056837201118469,"channel":1,"num_words":1,"start":1289.27,"end":1289.77},{"sentences":[{"text":"Yeah.","start":1290.0651,"end":1290.385,"sentiment":"neutral","sentiment_score":0.07163077592849731},{"text":"Okay.","start":1290.385,"end":1290.7051,"sentiment":"neutral","sentiment_score":0.16251903772354126},{"text":"Great.","start":1290.7051,"end":1290.9451,"sentiment":"positive","sentiment_score":0.525169849395752},{"text":"Perfect.","start":1290.9451,"end":1291.4451,"sentiment":"positive","sentiment_score":0.4587039351463318},{"text":"And your you don't have any other, like, enterprise bargain agreements or anything like that with your employer?","start":1294.7051,"end":1299.9851,"sentiment":"neutral","sentiment_score":0.024482612187663715}],"sentiment":"neutral","sentiment_score":0.07539593716236678,"channel":0,"num_words":22,"start":1290.0651,"end":1299.9851},{"sentences":[{"text":"It's kind of like that standard 12%.","start":1299.9851,"end":1302.15,"sentiment":"neutral","sentiment_score":-0.020308913796075752}],"sentiment":"neutral","sentiment_score":-0.020308913796075752,"channel":0,"num_words":7,"start":1299.9851,"end":1302.15},{"sentences":[{"text":"Yep.","start":1303.115,"end":1303.595,"sentiment":"neutral","sentiment_score":0.07899181544780731},{"text":"Pretty much.","start":1303.595,"end":1304.335,"sentiment":"neutral","sentiment_score":0.10777045041322708}],"sentiment":"neutral","sentiment_score":0.09817757209142049,"channel":1,"num_words":3,"start":1303.115,"end":1304.335},{"sentences":[{"text":"Yep.","start":1304.05,"end":1304.53,"sentiment":"neutral","sentiment_score":0.07498498260974884},{"text":"Yep.","start":1304.53,"end":1304.8501,"sentiment":"neutral","sentiment_score":0.09626644849777222},{"text":"Alright.","start":1304.8501,"end":1305.3301,"sentiment":"neutral","sentiment_score":0.2015322744846344},{"text":"Perfect.","start":1305.3301,"end":1305.8301,"sentiment":"neutral","sentiment_score":0.3298932909965515},{"text":"Well, I'll go and have a a look at this for you.","start":1305.89,"end":1307.73,"sentiment":"neutral","sentiment_score":0.21836422383785248}],"sentiment":"neutral","sentiment_score":0.20769048016518354,"channel":0,"num_words":16,"start":1304.05,"end":1307.73},{"sentences":[{"text":"I'll compare the SMA for you, and then I'll also have a review of your current portfolio as well just to see if there's any other tweaks we wanna make otherwise.","start":1307.73,"end":1317.195,"sentiment":"neutral","sentiment_score":0.1221520617123573}],"sentiment":"neutral","sentiment_score":0.1221520617123573,"channel":0,"num_words":31,"start":1307.73,"end":1317.195},{"sentences":[{"text":"Yep.","start":1318.0901,"end":1318.5901,"sentiment":"neutral","sentiment_score":0.07709655165672302}],"sentiment":"neutral","sentiment_score":0.07709655165672302,"channel":1,"num_words":1,"start":1318.0901,"end":1318.5901},{"sentences":[{"text":"Now and you obviously said you're happy with your insurances, so we're not touching them at the moment.","start":1319.4149,"end":1323.835,"sentiment":"neutral","sentiment_score":0.08126294323139721},{"text":"You're sorting out your estate planning.","start":1324.455,"end":1326.0549,"sentiment":"neutral","sentiment_score":0.07389237793783347},{"text":"Is there anything else you want me to research or have a look at for you at the moment, or is it mainly just, like, the the super and having a look at the estimate?","start":1326.0549,"end":1333.79,"sentiment":"neutral","sentiment_score":0.03661856257489749}],"sentiment":"neutral","sentiment_score":0.0540294395917553,"channel":0,"num_words":59,"start":1319.4149,"end":1333.79},{"sentences":[{"text":"Yeah.","start":1334.355,"end":1334.855,"sentiment":"neutral","sentiment_score":0.02240126021206379},{"text":"Just that at","start":1335.0199,"end":1335.9199,"sentiment":"neutral","sentiment_score":0.010294202715158464}],"sentiment":"neutral","sentiment_score":0.013320967089384794,"channel":1,"num_words":4,"start":1334.355,"end":1335.9199},{"sentences":[{"text":"Yeah.","start":1335.45,"end":1335.95,"sentiment":"neutral","sentiment_score":0.03590241074562073},{"text":"Yeah.","start":1336.1699,"end":1336.57,"sentiment":"neutral","sentiment_score":0.06390787661075592},{"text":"Alright.","start":1336.57,"end":1336.97,"sentiment":"neutral","sentiment_score":0.15623921155929563},{"text":"Perfect.","start":1336.97,"end":1337.47,"sentiment":"neutral","sentiment_score":0.25331515073776245},{"text":"We'll leave that with me.","start":1338.01,"end":1338.97,"sentiment":"neutral","sentiment_score":0.10669025033712387}],"sentiment":"neutral","sentiment_score":0.11586843348211712,"channel":0,"num_words":9,"start":1335.45,"end":1338.97},{"sentences":[{"text":"the","start":1338.9299,"end":1339.1799,"sentiment":"neutral","sentiment_score":0.015320537611842155}],"sentiment":"neutral","sentiment_score":0.015320537611842155,"channel":1,"num_words":1,"start":1338.9299,"end":1339.1799},{"sentences":[{"text":"It might","start":1338.97,"end":1339.29,"sentiment":"neutral","sentiment_score":0.007275411859154701}],"sentiment":"neutral","sentiment_score":0.007275411859154701,"channel":0,"num_words":2,"start":1338.97,"end":1339.29},{"sentences":[{"text":"moment.","start":1339.1799,"end":1339.6799,"sentiment":"neutral","sentiment_score":0.019623026251792908}],"sentiment":"neutral","sentiment_score":0.019623026251792908,"channel":1,"num_words":1,"start":1339.1799,"end":1339.6799},{"sentences":[{"text":"take a week or two potentially, probably more","start":1339.29,"end":1343.205,"sentiment":"neutral","sentiment_score":0.02971225930377841}],"sentiment":"neutral","sentiment_score":0.02971225930377841,"channel":0,"num_words":8,"start":1339.29,"end":1343.205},{"sentences":[{"text":"Yep.","start":1343.2599,"end":1343.7599,"sentiment":"neutral","sentiment_score":0.03694193437695503}],"sentiment":"neutral","sentiment_score":0.03694193437695503,"channel":1,"num_words":1,"start":1343.2599,"end":1343.7599},{"sentences":[{"text":"likely around three weeks or so for me to get all these research together.","start":1343.2849,"end":1346.265,"sentiment":"neutral","sentiment_score":0.04501611606350967},{"text":"As soon as I have it, I will give you a call, run through how that would change for you, and then you can obviously let me know if it's something that you want to go ahead with","start":1346.565,"end":1356.45,"sentiment":"neutral","sentiment_score":0.14409776100594746}],"sentiment":"neutral","sentiment_score":0.11742193352144498,"channel":0,"num_words":52,"start":1343.2849,"end":1356.45},{"sentences":[{"text":"Yep.","start":1357.4349,"end":1357.9149,"sentiment":"neutral","sentiment_score":0.04070964828133583}],"sentiment":"neutral","sentiment_score":0.04070964828133583,"channel":1,"num_words":1,"start":1357.4349,"end":1357.9149},{"sentences":[{"text":"or","start":1357.8899,"end":1358.0499,"sentiment":"neutral","sentiment_score":-0.03736574202775955}],"sentiment":"neutral","sentiment_score":-0.03736574202775955,"channel":0,"num_words":1,"start":1357.8899,"end":1358.0499},{"sentences":[{"text":"No.","start":1357.9149,"end":1358.1549,"sentiment":"neutral","sentiment_score":-0.11519280821084976}],"sentiment":"neutral","sentiment_score":-0.11519280821084976,"channel":1,"num_words":1,"start":1357.9149,"end":1358.1549},{"sentences":[{"text":"not.","start":1358.0499,"end":1358.21,"sentiment":"neutral","sentiment_score":-0.06589073687791824}],"sentiment":"neutral","sentiment_score":-0.06589073687791824,"channel":0,"num_words":1,"start":1358.0499,"end":1358.21},{"sentences":[{"text":"That's","start":1358.1549,"end":1358.315,"sentiment":"neutral","sentiment_score":-0.03471851348876953}],"sentiment":"neutral","sentiment_score":-0.03471851348876953,"channel":1,"num_words":1,"start":1358.1549,"end":1358.315},{"sentences":[{"text":"Yep.","start":1358.21,"end":1358.71,"sentiment":"neutral","sentiment_score":-0.009765394032001495}],"sentiment":"neutral","sentiment_score":-0.009765394032001495,"channel":0,"num_words":1,"start":1358.21,"end":1358.71},{"sentences":[{"text":"cool.","start":1358.315,"end":1358.815,"sentiment":"positive","sentiment_score":0.7134531736373901}],"sentiment":"positive","sentiment_score":0.7134531736373901,"channel":1,"num_words":1,"start":1358.315,"end":1358.815},{"sentences":[{"text":"Perfect.","start":1359.09,"end":1359.59,"sentiment":"positive","sentiment_score":0.8213456869125366},{"text":"Would you have any other questions for me before I let you go otherwise?","start":1359.8899,"end":1362.71,"sentiment":"neutral","sentiment_score":0.23339583511863435}],"sentiment":"neutral","sentiment_score":0.2725924919048945,"channel":0,"num_words":15,"start":1359.09,"end":1362.71},{"sentences":[{"text":"No.","start":1363.69,"end":1363.9299,"sentiment":"neutral","sentiment_score":-0.17346380650997162},{"text":"No.","start":1363.9299,"end":1364.09,"sentiment":"neutral","sentiment_score":-0.21965044736862183},{"text":"That's it.","start":1364.09,"end":1364.83,"sentiment":"neutral","sentiment_score":-0.17399271577596664}],"sentiment":"neutral","sentiment_score":-0.18527492135763168,"channel":1,"num_words":4,"start":1363.69,"end":1364.83},{"sentences":[{"text":"No?","start":1364.5299,"end":1365.01,"sentiment":"neutral","sentiment_score":-0.10224772244691847},{"text":"Yep.","start":1365.01,"end":1365.33,"sentiment":"neutral","sentiment_score":0.03435102477669716},{"text":"Alright.","start":1365.33,"end":1365.73,"sentiment":"neutral","sentiment_score":0.0927974209189415}],"sentiment":"neutral","sentiment_score":0.008300241082906728,"channel":0,"num_words":3,"start":1364.5299,"end":1365.73},{"sentences":[{"text":"Yep.","start":1365.37,"end":1365.87,"sentiment":"neutral","sentiment_score":0.14056779444217682}],"sentiment":"neutral","sentiment_score":0.14056779444217682,"channel":1,"num_words":1,"start":1365.37,"end":1365.87},{"sentences":[{"text":"Perfect.","start":1365.73,"end":1366.13,"sentiment":"positive","sentiment_score":0.5913103818893433},{"text":"Well, I will let you go, and enjoy the rest your day, and I look forward to speaking with you soon again.","start":1366.13,"end":1371.3029,"sentiment":"positive","sentiment_score":0.7047812830318104}],"sentiment":"positive","sentiment_score":0.6998477655908336,"channel":0,"num_words":23,"start":1365.73,"end":1371.3029},{"sentences":[{"text":"Cool.","start":1371.9299,"end":1372.33,"sentiment":"positive","sentiment_score":0.7477682828903198},{"text":"Thank you.","start":1372.33,"end":1373.15,"sentiment":"positive","sentiment_score":0.7941203713417053}],"sentiment":"positive","sentiment_score":0.7786696751912435,"channel":1,"num_words":3,"start":1371.9299,"end":1373.15},{"sentences":[{"text":"Thanks.","start":1373.6029,"end":1374.0029,"sentiment":"positive","sentiment_score":0.6855899095535278},{"text":"Bye.","start":1374.0029,"end":1374.5029,"sentiment":"positive","sentiment_score":0.4163273274898529}],"sentiment":"positive","sentiment_score":0.5509586185216904,"channel":0,"num_words":2,"start":1373.6029,"end":1374.5029},{"sentences":[{"text":"Bye bye.","start":1374.513,"end":1374.993,"sentiment":"neutral","sentiment_score":0.20629411935806272},{"text":"Bye bye.","start":1374.993,"end":1375.653,"sentiment":"neutral","sentiment_score":0.0013653859496116638}],"sentiment":"neutral","sentiment_score":0.1038297526538372,"channel":1,"num_words":4,"start":1374.513,"end":1375.653}]},"summary":{"result":"success","short":"The IT Financial representative discusses the buyback option for Carl, explaining the benefits of the policy and maximum coverage. The customer is advised on renewing their insurance policy and accessing their account. The agent provides information on the process and explains the benefits of using the back end of the process. They also discuss the process for completing a transaction statement and the benefits of using the SMA for investment opportunities. The agent suggests researching the growth portfolio and working out a retirement goal of 1,300 a week. They also discuss contributions to super and salary reductions. The agent will review the customer's current portfolio and provide a review of their current portfolio."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start_word":77,"end_word":102,"intents":[{"intent":"Confirm identity","confidence_score":0.80766755},{"intent":"Confirm identity","confidence_score":0.14963351}]},{"text":"that time, you had a couple of questions in regards to your income protection policy. Is that right? Yeah.","start_word":185,"end_word":203,"intents":[{"intent":"Review income protection policy","confidence_score":0.028562762}]},{"text":"obviously if something were to happen to you, that will then Yeah. be paid out to your loved ones. So pretty straightforward.","start_word":281,"end_word":302,"intents":[{"intent":"Clarify payment","confidence_score":0.0000053835506}]},{"text":"It's just kind of a way to to structure it to make the policy cheapest because the insurers, they offer, like, multi policy discounts. So having them kind of structured together, it makes it a lot cheaper for you than if you were to have them back as two separate policy. Oh, okay.","start_word":466,"end_word":518,"intents":[{"intent":"Structure insurance policy","confidence_score":0.11378217}]},{"text":"Did you have any other questions with income protection or insurances at all or just No.","start_word":971,"end_word":986,"intents":[{"intent":"Request information on insurance coverage","confidence_score":0.0010827412}]},{"text":"Because you got, like, the type, date, product, and amount, and then you got status and executed amount. So which one am From I from HAP twenty four? yeah. Yeah. You you don't have to worry about that. They just send that automatically. Sometimes it can be confusing. They just send that automatically because, obviously, your employer will pay contributions going into superannuation. Yeah.","start_word":1072,"end_word":1135,"intents":[{"intent":"Clarify document presentation","confidence_score":8.720728e-8}]},{"text":"So you can go into something that's called cash transaction, and that's Yes.","start_word":1411,"end_word":1423,"intents":[{"intent":"Report a transaction","confidence_score":0.00026904774}]},{"text":"with the SMA is that if there is a particular investment that we currently have you in, for example, that is not doing well or we foresee it's not doing At the moment, the way things would work if we need to swap it out is that we would, you know, do your SOA and your and your research and everything like that presented to you.","start_word":2187,"end_word":2252,"intents":[{"intent":"Discuss sma benefits","confidence_score":0.027528858}]},{"text":"So by doing so, especially if your investments have gone up, there will be some capital gains tax associated Yep. with it. Yeah. But I would I would calculate that and, you know, let you know what that would look like before, obviously, deciding if that would be suitable for you or not. So Yeah.","start_word":2503,"end_word":2557,"intents":[{"intent":"Calculate tax rate","confidence_score":0.100391135}]},{"text":"So, typically, we see about, you know, 80% in your growth investment. So that is your Australian shares, international shares, property, and stuff like that to try to maximize the growth for you.","start_word":2592,"end_word":2624,"intents":[{"intent":"Maximize growth","confidence_score":0.7032892}]},{"text":"And, typically, when we are looking at a appropriate time frame because, obviously, your your super will grow. That's the focus, but you will see a bit of fluctuations as well. In Yeah.","start_word":2683,"end_word":2715,"intents":[{"intent":"Confirm time frame","confidence_score":0.000040730512}]},{"text":"you can you can access super if you if you stop working, you can access super completely tax free at the age of 60. If you Yeah.","start_word":2869,"end_word":2895,"intents":[{"intent":"Get super super benefits","confidence_score":0.00027809013}]},{"text":"And are you making salary sacrifice or anything like that as Yeah.","start_word":3368,"end_word":3379,"intents":[{"intent":"Ask for salary sacrifice","confidence_score":0.000063927895}]},{"text":"So would you like me to factor that in into the research to show you, you know, to increase your salary sacrifice to 150 a week?","start_word":3565,"end_word":3590,"intents":[{"intent":"Increase salary sacrifice","confidence_score":0.36282972}]},{"text":"Do you know roughly how much you save? Because, obviously, salary sacrificing more will obviously impact your take home pay. Yeah.","start_word":3634,"end_word":3654,"intents":[{"intent":"Calculate savings","confidence_score":0.37167782}]},{"text":"Well, I'll go and have a a look at this for you. I'll compare the SMA for you, and then I'll also have a review of your current portfolio as well just to see if there's any other tweaks we wanna make otherwise.","start_word":3731,"end_word":3773,"intents":[{"intent":"Compare sma","confidence_score":0.0074503697}]},{"text":"Well, I'll go and have a a look at this for you. I'll compare the SMA for you, and then I'll also have a review of your current portfolio as well just to see if there's any other tweaks we wanna make otherwise. Yep.","start_word":3731,"end_word":3774,"intents":[{"intent":"Compare sma","confidence_score":0.1697827},{"intent":"Consider portfolio review","confidence_score":0.00036639156}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Carl? Yes. Speaking. This is Veronica from IT Financial. How are you this morning?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.1300317794084549},{"text":"Good. Good. That's good.","start_word":19,"end_word":22,"sentiment":"positive","sentiment_score":0.509354293346405},{"text":"I had you booked in for a quick catch up. Is not still a good time for Yep. you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Get this one. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Carl Charlie Winterstein twenty seven ten seventy four 197420 Yep. 2 Heights Place, Westlake. Yep.","start_word":23,"end_word":117,"sentiment":"neutral","sentiment_score":0.038440022617578506},{"text":"Perfect. That's exactly what I have here.","start_word":118,"end_word":124,"sentiment":"positive","sentiment_score":0.474457323551178},{"text":"And how's your morning been so far? Been busy or just kind of getting started? Yeah. Bit of both. Well, I will try not to keep you for for too long. That's fine. I essentially had you booked because I I know you had your annual review with my colleague, Michelle. I think it was at December. And at Yes. that time, you had a couple of questions in regards to your income protection policy. Is that right? Yeah. So what is it that you, I guess, want to review on your income protection? Is there anything specific? Or Yes. No. I sort of I've had a bit more of a look into it now coming. Yep. K. It's is that the one with the life cover buyback? So you No. have a little bit different. So you have three policies at the moment with MetLife. So you have your life cover. So that is Yeah. obviously if something were to happen to you, that will then Yeah. be paid out to your loved ones. So pretty straightforward. You have Yeah. about 1,106,700 worth of that. Yep. You also have your key PD. So that is your total permanent disability insurance. So that is if Yes. you Yes. are totally and permanently And just disabled, yeah. yep, and can never go back to work again, same amount that you insured for. Yep. The buyback option, how it works is that when we, put together your insurance policy to make it cheaper for you, the way Yep. that it's structured is that you have your life and CPD policy linked. Basically, what that means is that, let's say, you were to claim on total permanent disability, that would cancel your life policy. But then we've Alright. added, yeah, we've added that buyback option. So, basically, that means after twelve months, your life cover will be reinstated. So it'll still be there. It's just that twelve month period while it's getting reinstated. And Alright. having it does that make sense? Sort of. Yeah.","start_word":125,"end_word":465,"sentiment":"neutral","sentiment_score":0.040285668196566295},{"text":"It's just kind of a way to to structure it to make the policy cheapest because the insurers, they offer, like, multi policy discounts. So having them kind of structured together, it makes it a lot cheaper for you than if you were to have them back as two separate policy.","start_word":466,"end_word":516,"sentiment":"positive","sentiment_score":0.4108138680458069},{"text":"Oh, okay. Yeah. So that's what that buyback option is. So that's in regards through the TPD and the like. Yep. Separate to that, you have your income protection. So the income protection, it will pay you it acts as a income replacement if you are temporarily unable to go back to work. So it's not the the Yes. total permanent. It's just temporarily if something happens, you can't go back to work, and it's designed to give you a monthly replacement. Now you Yes. can have up to 70% of your income covered. That is the max you can have on a new policy. And you currently have a 90 waiting period. Right. Yeah. Yeah. So you would For have two to wait years. yeah. Exactly. So the the benefit period, I'm not sure if maybe that's where you were kind of I had some questions because you can have, obviously, a higher amount than what you currently have. So at the So moment, you pay you more? are correct. So at the moment, you are covered for 4,695, Yeah. Yes. which is a little bit under than, obviously, your income at the moment. But if you wanna increase it, it is correct. You'd have to pay more for it. And because the insurance side of it, they will be like, okay. Well, we are taking on more risk. So you would have to go through, you know, that under underwriting process again Yep. with MetLife. Yeah. Yeah. Yeah. Mhmm. So it's up to you if you want to look at increasing it. If you feel like that 4,695, if that isn't enough, we can look at increase it. Or if you, you know, feel like the the 4,695 to cover your income is still doable for your family, and you're obviously happy with the premium, then we can leave it No. I'll leave I'll leave it as as is as well. that. Yeah. Yes.","start_word":517,"end_word":842,"sentiment":"neutral","sentiment_score":0.01106762670071944},{"text":"Perfect.","start_word":843,"end_word":843,"sentiment":"positive","sentiment_score":0.40695667266845703},{"text":"But and so is that that's paid out monthly, is it? Or Yes. So if something were to happen, you would get that payment on a monthly basis. yeah. Basis. Okay. Yeah. You would kind of go back to doc to the doctors kind of regularly through, you know, assess that you're still unable to go back to work, but it is a monthly replacement. The other through, like, the life and TPD is like a lump sum that gets paid at once, Yeah. whereas Yeah. income is that monthly replacement for for up to two years for you. Yep. No. That's fine. Yep.","start_word":844,"end_word":947,"sentiment":"neutral","sentiment_score":0.022802168503403664},{"text":"Perfect.","start_word":948,"end_word":948,"sentiment":"positive","sentiment_score":0.3951951265335083},{"text":"And that is all paid from within your hub 24, so you don't pay for it out of pocket. Yeah. Yep. Perfect. Did you have any other questions with income protection or insurances at all or just No. No. No. I'm fine no? with that at the moment. I'm Yeah. fine for that at the moment. Yeah. Okay.","start_word":949,"end_word":1006,"sentiment":"neutral","sentiment_score":0.048559121787548065},{"text":"Perfect.","start_word":1007,"end_word":1007,"sentiment":"positive","sentiment_score":0.369523286819458},{"text":"You know, if anything does change and you do wanna revisit it, you know, just give us a call, and we can always run through that process with you. Yeah. I just have a Yeah. question. Could they get Yeah. their summaries now and then? Yes. Yes. So how does that I'm just trying to find hard Yeah. so what am I actually reading? Because you got, like, the type, date, product, and amount, and then you got status and executed amount. So which one am From I from HAP twenty four? yeah. Yeah.","start_word":1008,"end_word":1101,"sentiment":"neutral","sentiment_score":0.0907454751431942},{"text":"You you don't have to worry about that.","start_word":1102,"end_word":1109,"sentiment":"positive","sentiment_score":0.3471139669418335},{"text":"They just send that automatically. Sometimes it can be confusing. They just send that automatically because, obviously, your employer will pay contributions going into superannuation. Yeah. And when it gets contributed into superannuation, it gets reinvested into your Yes. portfolio. So it's just showing transactions and stuff like that when it happens. It can be a little bit confusing. You don't have to action or do anything. It all comes in the back end when your contributions do come in there. And if you have, you know, insurances Alright. Oh, okay. Now I just want I I just I what I what I mean is, like yeah. So I'm just trying to see what what it means by the amount. Because, Okay. like yeah. So let me go into your account. Sorry. Because they just send it automatically to you when the transaction happens, I can't see that in front of me, but I can log in to your account and have a little look. Do you have your hub twenty four? Like, do you have the app on your mobile phone or anything like that? Do you keep an eye on your super I'm good. a bit? So no. Because it comes up on my email or, like, emails. So I open the email and it says me what they've done. Yeah. Yeah. I typically find because I use Hub 24 for my personal super as well, and Yeah. I just have the, like, the Hub 24 app on my mobile phone. Yeah. I found I'll that I'll the I'll easiest. put that. Yeah. Yeah. So, typically, if you go into transactions, that's when you can see see it a bit more clearly what's happened. So I'll try to go into your account now and have a little look. So you can go into something that's called cash transaction, and that's Yes. when you when you can see it. So, for example, I can see that on the fifth of this month, you had two deposits from your work. So heat and control PTY LCD. Yep. Yep. So you had 1,532 and 47<unk> deposited for that, and then you also had another $400 deposited. So it kind Yeah. of shows what what goes in. And then you had adviser fee come out in Feb as well, transaction fees for your portfolio, and then you had a little interest added to your account up for $9. And then underneath that, I can see then the transaction movement of your investment. Now Oh, yeah. Okay. so if it is sometimes a slight amount because I can't really see that report, but sometimes if it is, like, your contributions going in because they get taxed at 15%, that's maybe why it's a little bit different if it shows Oh, okay. slightly different. Yeah.","start_word":1110,"end_word":1581,"sentiment":"neutral","sentiment_score":0.08180713066357677},{"text":"But that's obviously a lot cheaper than your marginal tax rate, which is great, and that's what makes it so tax effective.","start_word":1582,"end_word":1603,"sentiment":"positive","sentiment_score":0.5499559640884399},{"text":"Yep. So, Yep. yeah, sometimes it Okay. can be a bit confusing. So I I typically go in through that transaction statement and have Yeah. a look because I'll that I'll gives do you it a that bit way more then. yeah. Because it shows you kind of, you know, the credit and the debit and GST amounts and then balance and stuff, and it can kind of show a bit more clearly what's happened and what comes Yep. in and what comes out. Because sometimes those reports, yeah, they can be a little bit messy. Yeah. Yeah. Yeah. No. That's fine then. Yeah. Now, Carl, while I do have you on the phone, I do wanna just check as well because it looks like we are waiting on your beneficiary forms to come back. Yeah. Did you I just finished ah, perfect.","start_word":1604,"end_word":1746,"sentiment":"neutral","sentiment_score":0.028801530599594116},{"text":"pulling it out Yep.","start_word":1747,"end_word":1750,"sentiment":"positive","sentiment_score":0.34270429611206055},{"text":"today. I I just mean gotta go through and print it out and get it signed. yep. Send No. it yeah. That's okay. Did you have I've any been meaning questions to do it in for a regards while. no. That's okay. No. No. I always just remind because you obviously wanna make sure that, you know, we have it on file if something were to Shoot. happen. So I just Yep.","start_word":1751,"end_word":1821,"sentiment":"neutral","sentiment_score":0.04449788756458692},{"text":"wanted to see if you needed a resend or anything, but that's great that you're in the process of filling it out.","start_word":1822,"end_word":1843,"sentiment":"positive","sentiment_score":0.4462980926036834},{"text":"If you do have any questions on how to complete it or who to nominate or anything like that, just just let us know. Yep. No. No. I'm fine Yep. with that. I'm just Yep. I'll sort Perfect.","start_word":1844,"end_word":1881,"sentiment":"neutral","sentiment_score":0.18087835609912872},{"text":"of that Great.","start_word":1882,"end_word":1884,"sentiment":"positive","sentiment_score":0.3929153382778168},{"text":"I will Any say oh, sorry. yeah. No. You No. No. No. You got you got you go. got you. I was going to say it also looks like the ID we have on file for you expired on the December 19. Did you get any license by any chance? Yes. Yes. Okay.","start_word":1885,"end_word":1937,"sentiment":"neutral","sentiment_score":-0.012676202692091463},{"text":"Perfect.","start_word":1938,"end_word":1938,"sentiment":"positive","sentiment_score":0.3771253228187561},{"text":"So what I might get the team to do is just to send you a bit of an email. And then when you have a moment, if you can just take a photo of the front and the back of your license and send through just so we can Yep. keep that on file for you when you do have a moment. Yeah. Yeah. That's Yep. fine. Perfect. And what was your question? Was I was looking at the what was it? Does the annual was it annual review pack. Yeah. And your Yeah. review pack? Yes. And I see that these are tied in with BlackRock. Yes. Yep. Yeah. So what what what's that or is that? Yeah. So with BlackRock, we've launched an SMA as well. So it's kind of a self managed account. So we Yeah. work with them on creating some investment options as well for clients. So, basically, how it's a little bit different. So you know when you go in Hub 24 at the moment, you can see all your individual investments and how you are invested. Yep. Now the SMA works a little bit different in that you would only typically see that you're invested in one SMA. And so whatever that name Alright. might be, you will just see the one option. So you're not you're not necessarily will know all the individual investments. You can still see them, but it's not as visible, I guess. And the benefit Yep. with the SMA is that if there is a particular investment that we currently have you in, for example, that is not doing well or we foresee it's not doing At the moment, the way things would work if we need to swap it out is that we would, you know, do your SOA and your and your research and everything like that presented to you.","start_word":1939,"end_word":2252,"sentiment":"neutral","sentiment_score":0.09156122851143976},{"text":"You would have to always let us know you're happy to go ahead with the change, then we can authorize the the change for you.","start_word":2253,"end_word":2277,"sentiment":"positive","sentiment_score":0.4517694115638733},{"text":"With Alright. the SMA, it is a little bit different. It kind of takes away the paperwork a little bit because it gives us the flexibility that within the SMA, we can kind of chop and change the investment without you having to be involved in it. So it cuts Alright. out yeah.","start_word":2278,"end_word":2330,"sentiment":"neutral","sentiment_score":0.16523578763008118},{"text":"It it can make it quicker if it is something that we, let's say, quickly have to make a decision on because it smooths up the process on on doing Yep.","start_word":2331,"end_word":2361,"sentiment":"positive","sentiment_score":0.4698092043399811},{"text":"that, and it would just kind of happen more in the back end. Do you kind of prefer something like that, like, where we have that more flexibility of chopping and changing, Or do you Oh, like having that okay. full visibility? So put this as a time stamp and see how much of a growth that compares to what like, as a year from now. Yeah. Yeah. Well, I can definitely I can put together some research for you so Yeah. I can do a comparison of, okay, what what's it like currently and compare that with you know, if we move you into the SMA, how that will change things. Yes. I Yeah. will also, yeah, I will also factor in because by making switches, we would have to sell down some of your investments and it over. So by doing so, especially if your investments have gone up, there will be some capital gains tax associated Yep. with it. Yeah. But I would I would calculate that and, you know, let you know what that would look like before, obviously, deciding if that would be suitable for you or not. So Yeah. for me to do that research, I do wanna just check as well because we have different portfolios for different risk profiles. So at the moment, we have you invested in a growth portfolio. Yes. So, typically, we see about, you know, 80% in your growth investment. So that is your Australian shares, international shares, property, and stuff like that to try to maximize the growth for you. And then you do have about 20% in your more defensive investment. So, like, your cash, your gold, Yep. your fixed Yeah. interest, for example. And it's, yeah, it's basically decide to try to, you know, maximize growth as much as possible, but still wanting to have a little bit of that defensive proportion to it. Yep. Yep. And, typically, when we are looking at a appropriate time frame because, obviously, your your super will grow. That's the focus, but you will see a bit of fluctuations as well. In Yeah. the growth portfolio, we wanna allow about five years minimum until retirement. So making sure you Yep. have enough time in the market. So at the moment, at least you have more than five years until you can access your super at the moment. So Yep. a time frame point of view, it's suitable for you as long as you are comfortable seeing, you know, a bit of fluctuations in order to get you there. Yeah. Does Yep. does that all make sense? Are you happy to stay within, like, you know, the same kind of risk profile? Just look at, you know, different options? Yes. Yep.","start_word":2362,"end_word":2822,"sentiment":"neutral","sentiment_score":0.13984169298681934},{"text":"Okay. Perfect.","start_word":2823,"end_word":2824,"sentiment":"positive","sentiment_score":0.4809495210647583},{"text":"Now at the moment as well, sorry, because I'll do put a a comparison, a forecast up for you. At the moment, do you know when you would like to access Super? Might go right up until the age. Yeah. Sorry. Because Yeah. you can you can access super if you if you stop working, you can access super completely tax free at the age of 60. If you Yeah. would like to keep working, 65, or if you're eligible for age pension at 67. So do you think if you can, you'd like to take it at 60, or do you think you'd Yeah. work a bit longer? I'll probably work a bit. I still got a bit in me. Yeah. Like, 65? Yeah. Yeah. Okay.","start_word":2825,"end_word":2951,"sentiment":"neutral","sentiment_score":0.08741897549920195},{"text":"Perfect.","start_word":2952,"end_word":2952,"sentiment":"positive","sentiment_score":0.5063034892082214},{"text":"Do you have a kind of time frame guide to work with? And I do have here an ideal income per week at around 1,300. Is that still, you know, the goal for you, do you think, if you were to take 1,300 per week from super? Yep. Yep.","start_word":2953,"end_word":3001,"sentiment":"neutral","sentiment_score":0.23512127995491028},{"text":"Perfect. And let me see here. With your superannuation, I have that your goals is just to tryna grow it as much as possible for you to have the best retirement and then kind of have your children set up as well.","start_word":3002,"end_word":3043,"sentiment":"positive","sentiment_score":0.5067652463912964},{"text":"So you don't really have to worry too much. That's still the same? Yes. Yep. This Yep. is the same Yep. as Jacob. Okay.","start_word":3044,"end_word":3067,"sentiment":"neutral","sentiment_score":0.2301478236913681},{"text":"Great. Perfect.","start_word":3068,"end_word":3069,"sentiment":"positive","sentiment_score":0.5158666372299194},{"text":"Now with your contributions into super, because I'll factor that in as well. So I can see here that there's a bit of a difference between your income, so your base income, and then your total income. Did you get quite a lot of bonus and overtime? Yeah. I've sort of gone Yeah? I've gone to another role. Okay. So I have here so what's your base income? Your base income? It's what's the basic income I've got there? 120? Yeah. I think it's the same. It's the same? It's Okay. the same? Okay. And then Yeah. I have here that total income is about 200,000. Yes. Yes. No. But in the last time, you hear me. Yeah. Okay. Perfect. And now do you know if your employer pays contributions on your base income, or do they factor in, you know, overtime and stuff like that as well? Just so I can Oh, get yeah. all the I Not I think it's on the base. sure? Yeah. Typically, it is that sometimes they include it on overtime and stuff, just not really Yeah. bone bonuses. Oh, sorry. I'll take that back. Yeah. Yep. And every time as well.","start_word":3070,"end_word":3267,"sentiment":"neutral","sentiment_score":0.04228066465807984},{"text":"Yeah. Perfect.","start_word":3268,"end_word":3269,"sentiment":"positive","sentiment_score":0.5024977922439575},{"text":"So Yeah. around do you think on the 200,000, they would pay the 12 percent on? Yes. Yep? Okay. I can kind of cross reference a little bit on so sorry. When did you get the the bonus to say, or when did you change role? Was that before Those late last year. that yes. Okay. So K. contributions that's kind of come into your account this year should be kind of up to date with the new income? Yeah. Yeah. Okay. Because I can use that as well to kinda cross reference the math just to see. And are you making salary sacrifice or anything like that as Yeah. Yeah. well? Yes. Now I can see it's changed a little bit. So in Feb, I saw $400. Yep. And then in Jan, there was $500 coming in. Let me see if I can go back a little bit further. Then in December, there was 400. Yeah. Oh, Do no. you What typically is it? and then December was 400 as well. So we just had an additional 100 Yep. in January. So do you typically do $400 a month? Yeah. Typically, Yep. for I'm gonna increase it, but it's typically for 4 Okay. 100 a month. What are you thinking of increasing it through? I was gonna increase it, like, another $50. Yeah? Would you like me when I do the research to show you, like, to increase it to $4.50, just making sure you're not exceeding any contribution caps and I'm sorry. stuff like So that's $1.50 a week. So that. Okay. instead of 100 a week. So Okay. there's another Perfect. 200, I think. $1.50. Okay. Yeah. So about you're looking at doing about $600 a month? Yeah. Yeah. Okay.","start_word":3270,"end_word":3562,"sentiment":"neutral","sentiment_score":0.04680587351322174},{"text":"Perfect.","start_word":3563,"end_word":3563,"sentiment":"positive","sentiment_score":0.33978673815727234},{"text":"So would you like me to factor that in into the research to show you, you know, to increase your salary sacrifice to 150 a week? Yep. Yep. Okay.","start_word":3564,"end_word":3592,"sentiment":"neutral","sentiment_score":0.05272561684250832},{"text":"Perfect.","start_word":3593,"end_word":3593,"sentiment":"positive","sentiment_score":0.6339082717895508},{"text":"And I do have here as well here here at the moment that it doesn't look like you're saving anything on a weekly basis. You guys would be saving a little bit then, I presume, per week. Try to. Yeah. Do you know roughly how much you save? Because, obviously, salary sacrificing more will obviously impact your take home pay. Yeah. Well, I think I could use cellular sick twice instead of saving me. Yeah. Okay. But to cover, like, bills and expenses and living living costs, you guys are fine. Like, you have Yep. that kind of buffer buffer? Yes. Yeah. Okay.","start_word":3594,"end_word":3696,"sentiment":"neutral","sentiment_score":0.07384996861219406},{"text":"Great. Perfect.","start_word":3697,"end_word":3698,"sentiment":"positive","sentiment_score":0.4919368922710418},{"text":"And your you don't have any other, like, enterprise bargain agreements or anything like that with your employer? It's kind of like that standard 12%. Yep. Pretty much. Yep. Yep. Alright. Perfect. Well, I'll go and have a a look at this for you. I'll compare the SMA for you, and then I'll also have a review of your current portfolio as well just to see if there's any other tweaks we wanna make otherwise. Yep. Now and you obviously said you're happy with your insurances, so we're not touching them at the moment. You're sorting out your estate planning. Is there anything else you want me to research or have a look at for you at the moment, or is it mainly just, like, the the super and having a look at the estimate? Yeah. Just that at Yeah. Yeah. Alright. Perfect. We'll leave that with me. the It might moment. take a week or two potentially, probably more Yep. likely around three weeks or so for me to get all these research together. As soon as I have it, I will give you a call, run through how that would change for you, and then you can obviously let me know if it's something that you want to go ahead with Yep. or No. not. That's Yep.","start_word":3699,"end_word":3917,"sentiment":"neutral","sentiment_score":0.08464173972606659},{"text":"cool. Perfect.","start_word":3918,"end_word":3919,"sentiment":"positive","sentiment_score":0.7673994302749634},{"text":"Would you have any other questions for me before I let you go otherwise? No. No. That's it. No? Yep. Alright. Yep.","start_word":3920,"end_word":3941,"sentiment":"neutral","sentiment_score":0.06753655523061752},{"text":"Perfect. Well, I will let you go, and enjoy the rest your day, and I look forward to speaking with you soon again. Cool. Thank you. Thanks. Bye.","start_word":3942,"end_word":3969,"sentiment":"positive","sentiment_score":0.6733105182647705},{"text":"Bye bye. Bye bye.","start_word":3970,"end_word":3973,"sentiment":"neutral","sentiment_score":0.18896837532520297}],"average":{"sentiment":"neutral","sentiment_score":0.10043171373180453}}}}