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Is now still a good time there for you? Fantastic. Luke, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do a really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Yep. It is. Yeah. Perfect. Sorry. Had to do the other way just because my system was not loading properly this morning. I couldn't quite see the password. So I was like, oh, I'll just do a three point security checker for you. Easy. Thank you so much. Now, Luke, we do send through your annual review doc documents to go through with you. Are you able to get into your emails? If you can't, that's honestly okay. Yeah. That's alright. Otherwise otherwise, if you want me, I can just sort of go through things, and you're welcome to have a look at them later. It's more your preference and what you're able to do. Yeah. That's okay. That's not a problem at all. How's your morning been so far? Oh, wow. Wow. For work or bit of a holiday? For work. Nice. Oh, Google easy. Well, I'll try not to take up too much of your time. We'll just sort of hit on the things that we definitely need to. Is there anything specific aside from your super update that you were sort of looking to touch on as part of your annual review? Yes. Perfect. Yes. That's absolutely fine. That's not a problem at all. Well, I'll jump into it and give you an update. So just sort of looking back at your annual review last year, your balance then was 134,928. Essentially, looking at and then Kyle, my colleague, did some advice last year to switch your investments there for you as well, and then having a look at your balance as of the annual review this year, your balance as of the July 31, which is when we did the documents, that'd be sitting at a $162,004.83. When we look at the returns from your portfolio as a net return to after fees, in the last twelve months, you're up by 7.35%. So it is good. I'm happy with that return. It is generally for a high growth portfolio a little bit lower than where we'd like it to be, but the fact that you've come out this year with a positive return is a good thing. There has been a lot of market volatility with what's been going on in the world generally. So whilst it is lower, normally the high growth portfolio, you're averaging about eight to 10%. So this is slightly under where we'd expect it to be, but given the market conditions this year, personally, I'm pretty happy with that. You've also just gone through the investment switches, and that was actually a really good thing. So yeah. Yeah. It's a high the high growth sort of portfolio that you're looking at. Yeah. The expected return of an yeah. So the portfolio that you were recommended last year had a five year rolling average showing about 16%. A high a five year rolling average is the average over the last five years. However, when we look at risk level returns, we're looking at for a high growth portfolio an average of eight to 10%. That's a normal expected return. It's also a more conservative rate of return that you're looking to try and achieve. Obviously, you want a much higher return, and investment portfolios can return much greater. However, markets are volatile. They do go up and down. You're not gonna get 16% every year. And when you look at the return that was projected in the SOA, it is just an average over the past five years. So rolling average takes a five year return and averages it out over per year. It's not by any means guaranteed. It's just showing you how those investors have performed and correct. As an average, and then the projection table at once, if it is able to achieve the same over the next five to ten years, this is where we can expect it to look like. However, market fell volatile this year. It has definitely seen some more ups and downs that were not expected, and therefore, the returns have been a little bit lower than what we sort of like to see, but still a 7% return is actually quite good. A lot of the returns that we have sort of seen with the market have been a little bit lower, and that's because The US year round war, but also high inflation in Australia has affected defensive investments like bonds as well. So we know that some years you're going to get, you know, a great return like maybe six or 20%, but other years it might be a 10% or 7%. And in a high growth portfolio, every once in at least every five years, you can also expect a new return. So these are sort of the expectations around the risk level that you're taking. But as I said, I'm pretty happy with the 7% return from what you've seen with the investment switches. Your portfolio has grown quite nicely as well. Does that make sense? Do you have any other questions there at all? So if I go back to the advice documents that we had here from last year, that was around at this time. The investments yeah. The investments showed here that you in your wise risk profile, you had scored high growth and that you were happy to retain the high growth environment. You were in high growth prior to that. The updated portfolio is still high growth just to just to switch it to different investment to make sure returns are still working harder for you. Yeah. So the return so if I pull up your last portfolio, your annual review then. Here we go. The return. Last year, at your annual review, your portfolio made 14.28%. Yeah. It's in with your portfolio last year, one of the good things, and I am happy that Kyle did that advice for you last year, was that last year, whilst you had, you know, a 14% return there, you also had the Benelong Australian equities in that investment portfolio as part of the advice that Kyle presented to you last year that was removing that investment and swapping it out with the a 200. That was actually a good decision to make because the Benelon Australian Equities as of probably November last year, one of their underlying investments, they're invested in what's called Corporate Traveler. That investment actually was dishonest to the market, and it meant that that Benelon had to reevaluate that investment or part of their portfolio. Corporate traveler is actually on a trading halt while they've been investigated. The Benelon investment is actually down by about 10 to 20% in most portfolios currently. So whilst the return is slightly lower, Kyle giving you that advice last year and you swapping your investment, investments out within that high growth environment has actually worked out better for you. It's actually a very good decision, and it meant that you're up where some other people might be feeling it down at the moment as well. Yeah. Do you have any further questions or anything else to clarify? You're welcome to let me know if you do. Yes. Yeah. That's okay. Yeah. Mhmm. Oh, the biggest sort of downturn was around March and April this year, which is when majority of the investments did see the downturns with what was happening between Iran and America. So a lot of that volatility has affected everyone, but it's important to note that when you are in that high growth environment, as your balance increases over time, you are gonna feel those ups and downs a lot more. So what I would be honest in saying is that if you're not comfortable with with that kind of ups and downs, if you're not comfortable seeing, you know, a lower return and feeling the ups and downs as drastically, then a high growth portfolio may not be suited to you. It might be worth reviewing your risk level. Mhmm. Yeah. Yeah. That's fine. Yeah. Correct. And that's why we have this absolutely. Absolutely. Yeah. No. Of course. Understandable. And my job is also to be really honest with you and let you know that you're not always going to get a 16% return. Markets do go up and down. We do not try to pick the top and the bottom of the market. We invest in portfolios that have a track record that are meant for long term investing. We do update and alter portfolios as changes in the market do require, as your risk level requires, but we also know that you're not gonna make a million dollars in a week or a month or one year. It's about investing for the longer term and generating long term wealth. We do know that, well, the the portfolio has generated great returns in the past, there's no guarantee that those returns are going to keep up in the future, and we do not know what's gonna happen next during the market as well. So there could be a recession in a year or two, and you may see a negative 10% return. It's about making sure that you're comfortable with the risk level you're taking so you can stay invested through those downturns, keep your contributions going in, and take advantage of the compounding effect as it increases there. Does that make sense? Does that help? Yep. Beautiful. Excellent. I know it's not always it's not always fun to hear that you've got a lower rate of return. I am honestly happy with the 7% return if you're knowing what the markets have done and having seen how other portfolios have performed. I've had a lot of these harder conversations this year with clients, and part of my job is to be really honest and let you know this is what is expected. This is what can happen. When we talked to economists recently, they are noting that with changes in the market, there is a bit of a fallback to the property. So they are sort of hoping that inflation will sort of decrease into early next year that can cause more market state state build stability as well. Sorry. Because investors are less concerned about the highest rate from the borrowing capacity and businesses as a whole having to pay back higher interest on loan. So that can have a a definite effect there. But in saying that, who knows what is gonna happen next year? Trump could come out and start another war, and we just have to kinda wait through it. So what I would probably like to do what I would probably like to do, if you're comfortable, is keep your portfolio for the moment. We can do a bit of a catch up in maybe three or six months, see how things are tracking along a little bit more closely for you, and then stay down the track if we need to make any further changes. Or if you find you're not comfortable with the risk level, please speak up and let me know in that time frame. Does that sound okay with you? Yep. Yep. Yeah. Beautiful. Excellent. All good. In the email, you will see the breakdown of your performance report as well as the summary there. You're welcome to have a bit of a look at those, and let me know if you do know if you do have to have any questions there at all. Okay? Excellent. Now with your insurance aspect here, your current cover, you've got a a towel policy with life and TBD. The current sum insured that you have there is a bit over 1,300,000. So 1,000,000 is 356,588 of life and TBD paid out of your super fund there. Just looking at that life cover, if you were to pass away today, as an example, the life cover pays out, but then your super balance pays out on top of that. Sorry. Just double checking. Where is your main goal for that last year was to have it all sort of paid to your partner? Is that still where you'd like us to go? Is to go to Sasha? Yep. Beautiful. Do you feel like the level that you are covered for is efficient? Did you want to look at maybe updating that at all or reevaluating the insurances? Yep. Yeah. Absolutely. No. No. So yeah. You're right. No. So we definitely do. We look at life, PPD, income protection, trauma cover. We can look at different types of business cover depending on what you're after. What sort of insurances are you sort of looking to try and get? We we don't do those because they're more general types of insurances. Yeah. That's okay. Do you have, like, a general insurance broker that can look after those things? If not, I could always look and see if I can find something. Yep. Yeah. That's absolutely fine. It's a really good question. I'm glad you definitely asked it. Easy. Perfect. Oh. Yeah. That's horrible. Gosh. That's yeah. Not great. Yeah. Absolutely. That's not great. Have you been able to report to the police and recover any of that at all? Or No. It's a shame. Oh, that's a that's a lot of money when you're oh my god. That's horrendous. Yeah. No. That's Yeah. Yep. Yeah. That's absolutely fine. Yep. That's absolutely fine. Perfect. Easy done. With looking at the life cover you have now, if you were to sort of look at your assets and if you were to pass away now with your life and your, say, super balance paid out to your family, Are you kind of wanting do you have any kind of plan on how you would like them to use those funds? Is it to kind of pay off both the properties you have, or what's the what would be the goal with that? Yep. Yep. Yeah. Well, if you sort of absolutely. If you sort of had a look at that, I mean, your Super Balance plus your life cover, essentially, covers you for a bit over 1,500,000 there. So, realistically, she'd have more than a million dollars to sort of live on that could definitely provide a decent benefit for her. With your main primary residence, the asset value we had last year was about 1,300,000. What would you put out value wise on that at the moment? Mhmm. Mhmm. Okay. Perfect. Yeah. Lovely. Excellent. About the one point five. Beautiful. I'll just update it to that for the moment, and then we can update that when you get that appraisal back. Fantastic. And with the investment property yeah. Absolutely. Yeah. Okay. Yeah. Absolutely. No. Definitely. And with the investment property, what sort of value would you put on that? We had about 400,000 last year. $5.20? Excellent. Beautiful. And the mortgage on the investment property was sitting at about 400,000 last year. Have you is that principal and interest or just interest only? Yep. Perfect. There we go. Excellent. Oh, absolutely. Paying off your main primary residence as a nondeductible debt is definitely the way to reduce that quicker. Absolutely. Yep. No. Perfect. I've also got your unit here at asset value of 70,000. What sort of value would you put on the unit? 60? Yep. That's absolutely fine. That's okay. And debt value was about 10,000. Do you still have the debt on view? Okay. Perfect. Fantastic. Oh, fantastic. That'll be nice. One less debt to worry about. And then absolutely. And then you've also got the boat there. Do you still have your boat? Yep. And the value on that last year was about 18,000. What's the value would you put on it at the moment? 14 thousand. Beautiful. And then I've also got your caravan with a value of 15,000. What sort of value would you put on that now? Yep. Fantastic. Excellent. And do you have any kind of I actually don't at the moment. My husband's not a caravan. I'm gonna be really honest with you. He's also not a boat person. Yep. No. Understandable. All good. With your investment property, do you have any other goals to kind of build and add more investment properties to your portfolio, or is it just the two that you've got you comfortable with? What's kind of that in goal? Yep. Mhmm. Yeah. Yeah. Yes. Yes. Perfect. Are you looking to sort of buy off the plan to kinda get the best the tax rates now those changes have gone through? Yeah. That's okay. Yep. Yep. Yeah. Fantastic. Excellent. And I know you said there's a lot a lot of changes coming with that new with you having purchased into business and income side of things. What do you sort of estimate your income might be for this year? Have you sort of thought of what you're expecting to earn? Okay. Perfect. And three 100. Excellent. Yep. Fantastic. Yep. Absolutely. Fantastic. And occupation wise, you're still technically a shop fitter. Would you change or update your occupation at all? No. That's okay. That's alright. And sorry. Just looking at the TBD side of things as well there, you've got the same level of TBD. Now I don't know if anyone's ever kinda gone through with you and explained that while TBD covers you if you were unable to ever go back to work again, TBD, if you claim successfully and withdraw money and you're under the age of 60, you actually are you do pay tax on that. Taxes up to 22%. If you were, say, TBD with the level of cover you have, would you still be able to earn, say, director's fees or income from the business you've purchased into? Do you feel like that would still be appropriate level of cover even with the tax component to it? Yeah. If you claim TBD and you're under the age of 60 and you take, like, a withdrawal, if you were to withdraw the full amount out, tax is deducted at up to 22% depending on your age and state. So just to kind of show you. Let's see. Five five eight. So out of the 1,300,000 at the highest tax rate of 22%, it's about $289,000 in tax. So you'd still get over a million dollars if you drew the whole thing out, but it's just about making sure you're aware that that is a possibility. The tax is up to 22%, and if you claim TBD, we obviously do provide advice to help minimize the tax, keep the draw out draw downs as minimum as possible if you're happy to keep it inside the super system to help minimize that. And there's this a whole big math equation they use to work out the tax rate. It goes upon your age versus the age of 65, and the ACO has, like, a a tax table for that. But we're just letting you know that is the possibility if you were to claim TBD, it could be up to 22% tax if you draw on the funds, which means that you might lose about $298,000 off the amount you're covered for and just making sure that that level of cover you're covered for is still appropriate based on that. That's okay? You can't. Unfortunately, you claim TBD when you're over the age of 60 or I mean, we can keep money inside super and draw money out in smaller increments. That way, whilst you are still paying tax on the amount, the drawdown, you're not paying a big lump sum that over time can reduce. We can also do other things like we call them uplift where we move you from one super fund to another. The rollover means that the new super fund redoes the math equation for you, and we can double the amount of tax free benefits there. There are things that we can definitely do to help you, but you can't avoid the tax totally. Personal opinion, I think it's disgusting that the government charged tax on a TBD claim because you're unable to go back to work again due to permanent incapacity. It is a big thing, but I don't like they do that. And that is exactly correct. That's exactly correct. Correct. The other side of it is if you were to claim on TPD and you are over the age of 60, the good news is it's completely tax free, but not many people keep TPD beyond the age of 60 because if you are unable to work. The idea is we have a higher level of cover now when we're younger because we have more debt. We have a lower super balance. When our super balance increases very heavily, we pay out our mortgage and our debt. We don't know we need the insurance any longer. That's kinda how that should work. Yeah. Yep. Perfect. All good. So I'll keep those levels of cover as it is there at the moment. You don't have any income protection or trauma. Has anyone in the past gone through what those types of cover are? Did you wanna look at getting any additional insurances, or are you just happy with that? Sorry. In a trauma. Yeah. So trauma can pay at no. No. It's all good. Trauma can pay at a lump sum tax free benefit if you're unable to, say, diagnose with a major traumatic condition. It doesn't matter whether you're working or not. Trauma is an out of pocket expense. You can't hold that kind of cover inside super the way you can with your life and CBD. Trauma pays out a benefit, say, if you're diagnosed with cancer, have a heart attack or a stroke, MS, Parkinson's, some major neurological conditions or major diagnoses. It can be one of the first things that is paid out for. You can't claim trauma if, like, you break a leg or something like that. It's gotta be a major diagnosis. Yeah. It would be if you're unable to ever go back to work again, but the major thing we find with CBD is that two doctors, one being a specialist, has to sign off on a TBD claim. And if you're still going through treatment, if they're still trying to treat you, then you're not actually able to claim on TBD. So trauma can pay out that benefit to give you a bit of time to go through recovery, seek treatment if you if it's not covered by Medicare, take time off work if you have to obviously drop hours or just pay down a mortgage or, you know, cover a certain level of cover. If you still can't go back to work again, the doctors go, look. It's stage four cancer. You're not gonna work again. Stop. You know, we're happy to sign the documents, then you can claim on TBD. But often, trauma's claimed on well well and truly before. Yeah. Income protection definitely would. Yeah. Absolutely. Income protection, you do have a waiting period that you have to adhere to. Generally, the waiting period is anywhere between thirty, sixty, or ninety days depending on what you agree to. You have to be off work for that period of time, and then, normally, the claim is paid generally thirty days after that waiting period so long as all the documents are provided nice and quickly. Income protection is paid for. The time of the claim allowable, you can have two years, five years, or at age 65 depending on what you've agreed to with the policy. But it does also generally claim to be for TBD as well because you are still seeking treatment, and doctors can't sign off on TBD until they confirm they're no longer seeking treatment. You're just never gonna get back to work again, and that is a pretty big claim for a doctor to sign off on. Yeah. Oh, absolutely. Yeah. Definitely. If you feel like that you want to look at income protection or trauma, let me know. I can even shoot you an email after the call if you like just breaking down what they cover, some of the advantages, some of the things that you might need to consider around income protection and trauma, just so you can kind of think it through, mull it over. Think about your circumstances and what would happen if you were unable to go to work, and then we can always come back to it at any point. Absolutely. Okay. Yep. Yes. Fantastic. Oh, fantastic. As long as you got something to fall back on, if you can't work, that's a good thing. And we live with the way your business is structured now with you buying and everything. You'll probably also still be able to get some sort of income out of it too. So that can offset income protection claims. They tend to look at whether you're able to get income, how much you've earned prior to the claim, and then work out what you're eligible for. So have a sort of think about those. But I'll add those sort of things into the email for you just so you've got some information to break down to think about so you can decide whether it's something you would like to look at or not. Okay? Yeah. Absolutely. Yeah. Yeah. Absolutely. Now I was having a look at your circle with the estate planning side of things. I can see you don't have a beneficiary nomination on file. One of the big things I would like to make sure happens is that sorry. You're right? Yep. That's okay. We'll need to. Unfortunately, we can't. I do have to send the form to you to be signed. They have to be signed, and witness is the main thing. But I can get my team to prefill them for you with her information if you would like. Yep. Not a problem at all. Can I just grab a couple of details? Are you happy? That's okay. Would you like us to prefill her information or as much of the form as we possibly can for you to make it a little bit easier? Yep. Beautiful. Do you know her date of birth? Of August. Beautiful. Her birthday is coming up. That is fantastic. I've got no worries. I hope it's correct. If you get the document and she goes, hey, my god. That's not my birthday. Please let me know straight away, and I'll have it prefixed up for you. That's okay. Not a problem at all. No. You are honestly fine. No stress at all. I'll take a 100% of the benefit to be paid to her. There are essentially three different types of nominations. One of them is nonbinding where you decide who you want the money to go to if you pass away. Unfortunately, the trustee gets to make the decision, and your nomination is kept only as a guide. You can also have a binding nomination, which means you have to refill the format every three years, or I can pick it as a binding non matching nomination, which means we do it this time. It holds the trustee to follow your direction, and you never have to fill this format again. Would you like me to pick the third option? Yep. Perfect. Easy done. I'll get my team to do that up and send it out for you. Just the last couple of things to look at there. At I think super, we're still looking at age 65. Is that still your goal for accessing super? Did you wanna alter that at all? Yep. Beautiful. Excellent. Yeah. Perfect. And your I can always go through and do a bit of a risk profile questionnaire. If you Perfect. And your I can always go through and do a bit of a risk profile questionnaire if you would like to to reassess your risk profile. But are you happy to stay in a high growth environment? Did you wanna look at maybe reducing that or reevaluate that risk profile? Happy with that? Yep. That's absolutely fine. If anything comes up or you feel kinda concerned or nervous, please do let me know. It's not a problem at all. The only other thing I do have to let you know is we have sent out, as part of the review document, our ongoing service agreement. So, we've actually had an update to our fee structure because we've not updated our fee structure since the company opened. Essentially, moving forward, your ongoing service fee to our services remains at 1.65% until your balance hits hits 200,000. Once it hits 200,000, we actually have a drop in fee structure. So it goes from 1.65% to 1.375, and then once your balance is over 500,000, down to 1.10 percent. And then when it gets to a million dollars and over, it drops to 0.825%. So our fee structure used to cap at $600,000. It now doesn't cap until 2,000,000. However, with the ongoing tiered structure, every time you hit a new key, your ongoing service fee actually drops a little bit. So the higher your balance goes, the lower the percentage is. It actually works out into your favor for you. Because your balance is still under 200,000, it's still sitting at 1.6. So 1.65% at the moment, but we'll make sure as we kind of review that each year, we give you an updated figure of how much you're expected to pay for the next year, and we'll show you that as part of your annual review document. Do you have any questions in relation to that at all? Nope. That's okay. Oh, definitely give it a shot. And look, your your income has definitely increased as well, so that'll be something to definitely look at. Have a look at the annual review doc you're sorry. Yeah. Correct. Yeah. Absolutely. No. That's okay. You're absolutely fine. Feel free to have a look. I've attached the new the financial services guide for you, which outlines those sorts of things. We have also we never used to charge for additional advice outside of the super insurance side of things. The ongoing service fee does mean that any additional advice with super and or insurances is all complimentary as part of your ongoing service fee. But the it does also show that moving forward, any additional advice for services outside of super will incur a bit of a cost. So that is all outlined, what the cost looks like, and how much it would be depending on what you're after. Feel free to have a look at the ongoing service agreement. Let us know if you do happen to have any questions, and just sort of read it through with the updated details. It's more just about with ongoing advice. We are doing a lot more advice to different areas as people wanna sort of expand, and we do have to charge those sorts of services because the when you charge advice fees inside Super, it has to meet a legislative requirement as a sole purpose test. So for advice outside of Super, the you can't charge inside Super for those sorts of other advice pieces. It doesn't meet the sole purpose test, and it goes against legislative requirements. So with changes to financial advice, advisors have had to reevaluate a lot of these sorts of things, but I have added the financial services guide there for you. Please have a look at it. Please let me know if there's any questions there. More than happy to answer it. You've got the ongoing service agreement attached showing your current fee for the next twelve months there. And once you sort of had a look through it or happy to proceed, we'll get you to sign and return that back in order to, you know, proceed with seeking as our services and staying on board with the client for the next twelve months there. Okay? Beautiful. Do you have any questions? I'm sorry. I go through a lot, and I add a lot of information. Probably a lot there. Do you have any questions that have come out of any of this? Sorry. Beautiful. Fantastic. Easy. Not a problem at all. Look. What yeah. I will let you go. You have a great day. I thank you so much for your time, and you've got the email there ready to go for when you're able to review that one. Okay? No worries. Have a great day. See you later. 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Luke. It's Dana from Oakview Financial. How are you this morning? Yeah. Very well.\n\nThank you. Thanks for asking. I had you booked in to go through your annual review this morning. Is now still a good time there for you? Fantastic.\n\nLuke, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do a really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nIt is. Yeah. Perfect. Sorry. Had to do the other way just because my system was not loading properly this morning.\n\nI couldn't quite see the password. So I was like, oh, I'll just do a three point security checker for you. Easy. Thank you so much. Now, Luke, we do send through your annual review doc documents to go through with you.\n\nAre you able to get into your emails? If you can't, that's honestly okay. Yeah. That's alright. Otherwise otherwise, if you want me, I can just sort of go through things, and you're welcome to have a look at them later.\n\nIt's more your preference and what you're able to do. Yeah. That's okay. That's not a problem at all. How's your morning been so far?\n\nOh, wow. Wow. For work or bit of a holiday? For work. Nice.\n\nOh, Google easy. Well, I'll try not to take up too much of your time. We'll just sort of hit on the things that we definitely need to. Is there anything specific aside from your super update that you were sort of looking to touch on as part of your annual review? Yes.\n\nPerfect. Yes. That's absolutely fine. That's not a problem at all. Well, I'll jump into it and give you an update.\n\nSo just sort of looking back at your annual review last year, your balance then was 134,928. Essentially, looking at and then Kyle, my colleague, did some advice last year to switch your investments there for you as well, and then having a look at your balance as of the annual review this year, your balance as of the July 31, which is when we did the documents, that'd be sitting at a $162,004.83. When we look at the returns from your portfolio as a net return to after fees, in the last twelve months, you're up by 7.35%. So it is good. I'm happy with that return.\n\nIt is generally for a high growth portfolio a little bit lower than where we'd like it to be, but the fact that you've come out this year with a positive return is a good thing. There has been a lot of market volatility with what's been going on in the world generally. So whilst it is lower, normally the high growth portfolio, you're averaging about eight to 10%. So this is slightly under where we'd expect it to be, but given the market conditions this year, personally, I'm pretty happy with that. You've also just gone through the investment switches, and that was actually a really good thing.\n\nSo yeah. Yeah. It's a high the high growth sort of portfolio that you're looking at. Yeah. The expected return of an yeah.\n\nSo the portfolio that you were recommended last year had a five year rolling average showing about 16%. A high a five year rolling average is the average over the last five years. However, when we look at risk level returns, we're looking at for a high growth portfolio an average of eight to 10%. That's a normal expected return. It's also a more conservative rate of return that you're looking to try and achieve.\n\nObviously, you want a much higher return, and investment portfolios can return much greater. However, markets are volatile. They do go up and down. You're not gonna get 16% every year. And when you look at the return that was projected in the SOA, it is just an average over the past five years.\n\nSo rolling average takes a five year return and averages it out over per year. It's not by any means guaranteed. It's just showing you how those investors have performed and correct. As an average, and then the projection table at once, if it is able to achieve the same over the next five to ten years, this is where we can expect it to look like. However, market fell volatile this year.\n\nIt has definitely seen some more ups and downs that were not expected, and therefore, the returns have been a little bit lower than what we sort of like to see, but still a 7% return is actually quite good. A lot of the returns that we have sort of seen with the market have been a little bit lower, and that's because The US year round war, but also high inflation in Australia has affected defensive investments like bonds as well. So we know that some years you're going to get, you know, a great return like maybe six or 20%, but other years it might be a 10% or 7%. And in a high growth portfolio, every once in at least every five years, you can also expect a new return. So these are sort of the expectations around the risk level that you're taking.\n\nBut as I said, I'm pretty happy with the 7% return from what you've seen with the investment switches. Your portfolio has grown quite nicely as well. Does that make sense? Do you have any other questions there at all? So if I go back to the advice documents that we had here from last year, that was around at this time.\n\nThe investments yeah. The investments showed here that you in your wise risk profile, you had scored high growth and that you were happy to retain the high growth environment. You were in high growth prior to that. The updated portfolio is still high growth just to just to switch it to different investment to make sure returns are still working harder for you. Yeah.\n\nSo the return so if I pull up your last portfolio, your annual review then. Here we go. The return. Last year, at your annual review, your portfolio made 14.28%. Yeah.\n\nIt's in with your portfolio last year, one of the good things, and I am happy that Kyle did that advice for you last year, was that last year, whilst you had, you know, a 14% return there, you also had the Benelong Australian equities in that investment portfolio as part of the advice that Kyle presented to you last year that was removing that investment and swapping it out with the a 200. That was actually a good decision to make because the Benelon Australian Equities as of probably November last year, one of their underlying investments, they're invested in what's called Corporate Traveler. That investment actually was dishonest to the market, and it meant that that Benelon had to reevaluate that investment or part of their portfolio. Corporate traveler is actually on a trading halt while they've been investigated. The Benelon investment is actually down by about 10 to 20% in most portfolios currently.\n\nSo whilst the return is slightly lower, Kyle giving you that advice last year and you swapping your investment, investments out within that high growth environment has actually worked out better for you. It's actually a very good decision, and it meant that you're up where some other people might be feeling it down at the moment as well. Yeah. Do you have any further questions or anything else to clarify? You're welcome to let me know if you do.\n\nYes. Yeah. That's okay. Yeah. Mhmm.\n\nOh, the biggest sort of downturn was around March and April this year, which is when majority of the investments did see the downturns with what was happening between Iran and America. So a lot of that volatility has affected everyone, but it's important to note that when you are in that high growth environment, as your balance increases over time, you are gonna feel those ups and downs a lot more. So what I would be honest in saying is that if you're not comfortable with with that kind of ups and downs, if you're not comfortable seeing, you know, a lower return and feeling the ups and downs as drastically, then a high growth portfolio may not be suited to you. It might be worth reviewing your risk level. Mhmm.\n\nYeah. Yeah. That's fine. Yeah. Correct.\n\nAnd that's why we have this absolutely. Absolutely. Yeah. No. Of course.\n\nUnderstandable. And my job is also to be really honest with you and let you know that you're not always going to get a 16% return. Markets do go up and down. We do not try to pick the top and the bottom of the market. We invest in portfolios that have a track record that are meant for long term investing.\n\nWe do update and alter portfolios as changes in the market do require, as your risk level requires, but we also know that you're not gonna make a million dollars in a week or a month or one year. It's about investing for the longer term and generating long term wealth. We do know that, well, the the portfolio has generated great returns in the past, there's no guarantee that those returns are going to keep up in the future, and we do not know what's gonna happen next during the market as well. So there could be a recession in a year or two, and you may see a negative 10% return. It's about making sure that you're comfortable with the risk level you're taking so you can stay invested through those downturns, keep your contributions going in, and take advantage of the compounding effect as it increases there.\n\nDoes that make sense? Does that help? Yep. Beautiful. Excellent.\n\nI know it's not always it's not always fun to hear that you've got a lower rate of return. I am honestly happy with the 7% return if you're knowing what the markets have done and having seen how other portfolios have performed. I've had a lot of these harder conversations this year with clients, and part of my job is to be really honest and let you know this is what is expected. This is what can happen. When we talked to economists recently, they are noting that with changes in the market, there is a bit of a fallback to the property.\n\nSo they are sort of hoping that inflation will sort of decrease into early next year that can cause more market state state build stability as well. Sorry. Because investors are less concerned about the highest rate from the borrowing capacity and businesses as a whole having to pay back higher interest on loan. So that can have a a definite effect there. But in saying that, who knows what is gonna happen next year?\n\nTrump could come out and start another war, and we just have to kinda wait through it. So what I would probably like to do what I would probably like to do, if you're comfortable, is keep your portfolio for the moment. We can do a bit of a catch up in maybe three or six months, see how things are tracking along a little bit more closely for you, and then stay down the track if we need to make any further changes. Or if you find you're not comfortable with the risk level, please speak up and let me know in that time frame. Does that sound okay with you?\n\nYep. Yep. Yeah. Beautiful. Excellent.\n\nAll good. In the email, you will see the breakdown of your performance report as well as the summary there. You're welcome to have a bit of a look at those, and let me know if you do know if you do have to have any questions there at all. Okay? Excellent.\n\nNow with your insurance aspect here, your current cover, you've got a a towel policy with life and TBD. The current sum insured that you have there is a bit over 1,300,000. So 1,000,000 is 356,588 of life and TBD paid out of your super fund there. Just looking at that life cover, if you were to pass away today, as an example, the life cover pays out, but then your super balance pays out on top of that. Sorry.\n\nJust double checking. Where is your main goal for that last year was to have it all sort of paid to your partner? Is that still where you'd like us to go? Is to go to Sasha? Yep.\n\nBeautiful. Do you feel like the level that you are covered for is efficient? Did you want to look at maybe updating that at all or reevaluating the insurances? Yep. Yeah.\n\nAbsolutely. No. No. So yeah. You're right.\n\nNo. So we definitely do. We look at life, PPD, income protection, trauma cover. We can look at different types of business cover depending on what you're after. What sort of insurances are you sort of looking to try and get?\n\nWe we don't do those because they're more general types of insurances. Yeah. That's okay. Do you have, like, a general insurance broker that can look after those things? If not, I could always look and see if I can find something.\n\nYep. Yeah. That's absolutely fine. It's a really good question. I'm glad you definitely asked it.\n\nEasy. Perfect. Oh. Yeah. That's horrible.\n\nGosh. That's yeah. Not great. Yeah. Absolutely.\n\nThat's not great. Have you been able to report to the police and recover any of that at all? Or No. It's a shame. Oh, that's a that's a lot of money when you're oh my god.\n\nThat's horrendous. Yeah. No. That's Yeah. Yep.\n\nYeah. That's absolutely fine. Yep. That's absolutely fine. Perfect.\n\nEasy done. With looking at the life cover you have now, if you were to sort of look at your assets and if you were to pass away now with your life and your, say, super balance paid out to your family, Are you kind of wanting do you have any kind of plan on how you would like them to use those funds? Is it to kind of pay off both the properties you have, or what's the what would be the goal with that? Yep. Yep.\n\nYeah. Well, if you sort of absolutely. If you sort of had a look at that, I mean, your Super Balance plus your life cover, essentially, covers you for a bit over 1,500,000 there. So, realistically, she'd have more than a million dollars to sort of live on that could definitely provide a decent benefit for her. With your main primary residence, the asset value we had last year was about 1,300,000.\n\nWhat would you put out value wise on that at the moment? Mhmm. Mhmm. Okay. Perfect.\n\nYeah. Lovely. Excellent. About the one point five. Beautiful.\n\nI'll just update it to that for the moment, and then we can update that when you get that appraisal back. Fantastic. And with the investment property yeah. Absolutely. Yeah.\n\nOkay. Yeah. Absolutely. No. Definitely.\n\nAnd with the investment property, what sort of value would you put on that? We had about 400,000 last year. $5.20? Excellent. Beautiful.\n\nAnd the mortgage on the investment property was sitting at about 400,000 last year. Have you is that principal and interest or just interest only? Yep. Perfect. There we go.\n\nExcellent. Oh, absolutely. Paying off your main primary residence as a nondeductible debt is definitely the way to reduce that quicker. Absolutely. Yep.\n\nNo. Perfect. I've also got your unit here at asset value of 70,000. What sort of value would you put on the unit? 60?\n\nYep. That's absolutely fine. That's okay. And debt value was about 10,000. Do you still have the debt on view?\n\nOkay. Perfect. Fantastic. Oh, fantastic. That'll be nice.\n\nOne less debt to worry about. And then absolutely. And then you've also got the boat there. Do you still have your boat? Yep.\n\nAnd the value on that last year was about 18,000. What's the value would you put on it at the moment? 14 thousand. Beautiful. And then I've also got your caravan with a value of 15,000.\n\nWhat sort of value would you put on that now? Yep. Fantastic. Excellent. And do you have any kind of I actually don't at the moment.\n\nMy husband's not a caravan. I'm gonna be really honest with you. He's also not a boat person. Yep. No.\n\nUnderstandable. All good. With your investment property, do you have any other goals to kind of build and add more investment properties to your portfolio, or is it just the two that you've got you comfortable with? What's kind of that in goal? Yep.\n\nMhmm. Yeah. Yeah. Yes. Yes.\n\nPerfect. Are you looking to sort of buy off the plan to kinda get the best the tax rates now those changes have gone through? Yeah. That's okay. Yep.\n\nYep. Yeah. Fantastic. Excellent. And I know you said there's a lot a lot of changes coming with that new with you having purchased into business and income side of things.\n\nWhat do you sort of estimate your income might be for this year? Have you sort of thought of what you're expecting to earn? Okay. Perfect. And three 100.\n\nExcellent. Yep. Fantastic. Yep. Absolutely.\n\nFantastic. And occupation wise, you're still technically a shop fitter. Would you change or update your occupation at all? No. That's okay.\n\nThat's alright. And sorry. Just looking at the TBD side of things as well there, you've got the same level of TBD. Now I don't know if anyone's ever kinda gone through with you and explained that while TBD covers you if you were unable to ever go back to work again, TBD, if you claim successfully and withdraw money and you're under the age of 60, you actually are you do pay tax on that. Taxes up to 22%.\n\nIf you were, say, TBD with the level of cover you have, would you still be able to earn, say, director's fees or income from the business you've purchased into? Do you feel like that would still be appropriate level of cover even with the tax component to it? Yeah. If you claim TBD and you're under the age of 60 and you take, like, a withdrawal, if you were to withdraw the full amount out, tax is deducted at up to 22% depending on your age and state. So just to kind of show you.\n\nLet's see. Five five eight. So out of the 1,300,000 at the highest tax rate of 22%, it's about $289,000 in tax. So you'd still get over a million dollars if you drew the whole thing out, but it's just about making sure you're aware that that is a possibility. The tax is up to 22%, and if you claim TBD, we obviously do provide advice to help minimize the tax, keep the draw out draw downs as minimum as possible if you're happy to keep it inside the super system to help minimize that.\n\nAnd there's this a whole big math equation they use to work out the tax rate. It goes upon your age versus the age of 65, and the ACO has, like, a a tax table for that. But we're just letting you know that is the possibility if you were to claim TBD, it could be up to 22% tax if you draw on the funds, which means that you might lose about $298,000 off the amount you're covered for and just making sure that that level of cover you're covered for is still appropriate based on that. That's okay? You can't.\n\nUnfortunately, you claim TBD when you're over the age of 60 or I mean, we can keep money inside super and draw money out in smaller increments. That way, whilst you are still paying tax on the amount, the drawdown, you're not paying a big lump sum that over time can reduce. We can also do other things like we call them uplift where we move you from one super fund to another. The rollover means that the new super fund redoes the math equation for you, and we can double the amount of tax free benefits there. There are things that we can definitely do to help you, but you can't avoid the tax totally.\n\nPersonal opinion, I think it's disgusting that the government charged tax on a TBD claim because you're unable to go back to work again due to permanent incapacity. It is a big thing, but I don't like they do that. And that is exactly correct. That's exactly correct. Correct.\n\nThe other side of it is if you were to claim on TPD and you are over the age of 60, the good news is it's completely tax free, but not many people keep TPD beyond the age of 60 because if you are unable to work. The idea is we have a higher level of cover now when we're younger because we have more debt. We have a lower super balance. When our super balance increases very heavily, we pay out our mortgage and our debt. We don't know we need the insurance any longer.\n\nThat's kinda how that should work. Yeah. Yep. Perfect. All good.\n\nSo I'll keep those levels of cover as it is there at the moment. You don't have any income protection or trauma. Has anyone in the past gone through what those types of cover are? Did you wanna look at getting any additional insurances, or are you just happy with that? Sorry.\n\nIn a trauma. Yeah. So trauma can pay at no. No. It's all good.\n\nTrauma can pay at a lump sum tax free benefit if you're unable to, say, diagnose with a major traumatic condition. It doesn't matter whether you're working or not. Trauma is an out of pocket expense. You can't hold that kind of cover inside super the way you can with your life and CBD. Trauma pays out a benefit, say, if you're diagnosed with cancer, have a heart attack or a stroke, MS, Parkinson's, some major neurological conditions or major diagnoses.\n\nIt can be one of the first things that is paid out for. You can't claim trauma if, like, you break a leg or something like that. It's gotta be a major diagnosis. Yeah. It would be if you're unable to ever go back to work again, but the major thing we find with CBD is that two doctors, one being a specialist, has to sign off on a TBD claim.\n\nAnd if you're still going through treatment, if they're still trying to treat you, then you're not actually able to claim on TBD. So trauma can pay out that benefit to give you a bit of time to go through recovery, seek treatment if you if it's not covered by Medicare, take time off work if you have to obviously drop hours or just pay down a mortgage or, you know, cover a certain level of cover. If you still can't go back to work again, the doctors go, look. It's stage four cancer. You're not gonna work again.\n\nStop. You know, we're happy to sign the documents, then you can claim on TBD. But often, trauma's claimed on well well and truly before. Yeah. Income protection definitely would.\n\nYeah. Absolutely. Income protection, you do have a waiting period that you have to adhere to. Generally, the waiting period is anywhere between thirty, sixty, or ninety days depending on what you agree to. You have to be off work for that period of time, and then, normally, the claim is paid generally thirty days after that waiting period so long as all the documents are provided nice and quickly.\n\nIncome protection is paid for. The time of the claim allowable, you can have two years, five years, or at age 65 depending on what you've agreed to with the policy. But it does also generally claim to be for TBD as well because you are still seeking treatment, and doctors can't sign off on TBD until they confirm they're no longer seeking treatment. You're just never gonna get back to work again, and that is a pretty big claim for a doctor to sign off on. Yeah.\n\nOh, absolutely. Yeah. Definitely. If you feel like that you want to look at income protection or trauma, let me know. I can even shoot you an email after the call if you like just breaking down what they cover, some of the advantages, some of the things that you might need to consider around income protection and trauma, just so you can kind of think it through, mull it over.\n\nThink about your circumstances and what would happen if you were unable to go to work, and then we can always come back to it at any point. Absolutely. Okay. Yep. Yes.\n\nFantastic. Oh, fantastic. As long as you got something to fall back on, if you can't work, that's a good thing. And we live with the way your business is structured now with you buying and everything. You'll probably also still be able to get some sort of income out of it too.\n\nSo that can offset income protection claims. They tend to look at whether you're able to get income, how much you've earned prior to the claim, and then work out what you're eligible for. So have a sort of think about those. But I'll add those sort of things into the email for you just so you've got some information to break down to think about so you can decide whether it's something you would like to look at or not. Okay?\n\nYeah. Absolutely. Yeah. Yeah. Absolutely.\n\nNow I was having a look at your circle with the estate planning side of things. I can see you don't have a beneficiary nomination on file. One of the big things I would like to make sure happens is that sorry. You're right? Yep.\n\nThat's okay. We'll need to. Unfortunately, we can't. I do have to send the form to you to be signed. They have to be signed, and witness is the main thing.\n\nBut I can get my team to prefill them for you with her information if you would like. Yep. Not a problem at all. Can I just grab a couple of details? Are you happy?\n\nThat's okay. Would you like us to prefill her information or as much of the form as we possibly can for you to make it a little bit easier? Yep. Beautiful. Do you know her date of birth?\n\nOf August. Beautiful. Her birthday is coming up. That is fantastic. I've got no worries.\n\nI hope it's correct. If you get the document and she goes, hey, my god. That's not my birthday. Please let me know straight away, and I'll have it prefixed up for you. That's okay.\n\nNot a problem at all. No. You are honestly fine. No stress at all. I'll take a 100% of the benefit to be paid to her.\n\nThere are essentially three different types of nominations. One of them is nonbinding where you decide who you want the money to go to if you pass away. Unfortunately, the trustee gets to make the decision, and your nomination is kept only as a guide. You can also have a binding nomination, which means you have to refill the format every three years, or I can pick it as a binding non matching nomination, which means we do it this time. It holds the trustee to follow your direction, and you never have to fill this format again.\n\nWould you like me to pick the third option? Yep. Perfect. Easy done. I'll get my team to do that up and send it out for you.\n\nJust the last couple of things to look at there. At I think super, we're still looking at age 65. Is that still your goal for accessing super? Did you wanna alter that at all? Yep.\n\nBeautiful. Excellent. Yeah. Perfect. And your I can always go through and do a bit of a risk profile questionnaire.\n\nIf you Perfect. And your I can always go through and do a bit of a risk profile questionnaire if you would like to to reassess your risk profile. But are you happy to stay in a high growth environment? Did you wanna look at maybe reducing that or reevaluate that risk profile? Happy with that?\n\nYep. That's absolutely fine. If anything comes up or you feel kinda concerned or nervous, please do let me know. It's not a problem at all. The only other thing I do have to let you know is we have sent out, as part of the review document, our ongoing service agreement.\n\nSo, we've actually had an update to our fee structure because we've not updated our fee structure since the company opened. Essentially, moving forward, your ongoing service fee to our services remains at 1.65% until your balance hits hits 200,000. Once it hits 200,000, we actually have a drop in fee structure. So it goes from 1.65% to 1.375, and then once your balance is over 500,000, down to 1.10 percent. And then when it gets to a million dollars and over, it drops to 0.825%.\n\nSo our fee structure used to cap at $600,000. It now doesn't cap until 2,000,000. However, with the ongoing tiered structure, every time you hit a new key, your ongoing service fee actually drops a little bit. So the higher your balance goes, the lower the percentage is. It actually works out into your favor for you.\n\nBecause your balance is still under 200,000, it's still sitting at 1.6. So 1.65% at the moment, but we'll make sure as we kind of review that each year, we give you an updated figure of how much you're expected to pay for the next year, and we'll show you that as part of your annual review document. Do you have any questions in relation to that at all? Nope. That's okay.\n\nOh, definitely give it a shot. And look, your your income has definitely increased as well, so that'll be something to definitely look at. Have a look at the annual review doc you're sorry. Yeah. Correct.\n\nYeah. Absolutely. No. That's okay. You're absolutely fine.\n\nFeel free to have a look. I've attached the new the financial services guide for you, which outlines those sorts of things. We have also we never used to charge for additional advice outside of the super insurance side of things. The ongoing service fee does mean that any additional advice with super and or insurances is all complimentary as part of your ongoing service fee. But the it does also show that moving forward, any additional advice for services outside of super will incur a bit of a cost.\n\nSo that is all outlined, what the cost looks like, and how much it would be depending on what you're after. Feel free to have a look at the ongoing service agreement. Let us know if you do happen to have any questions, and just sort of read it through with the updated details. It's more just about with ongoing advice. We are doing a lot more advice to different areas as people wanna sort of expand, and we do have to charge those sorts of services because the when you charge advice fees inside Super, it has to meet a legislative requirement as a sole purpose test.\n\nSo for advice outside of Super, the you can't charge inside Super for those sorts of other advice pieces. It doesn't meet the sole purpose test, and it goes against legislative requirements. So with changes to financial advice, advisors have had to reevaluate a lot of these sorts of things, but I have added the financial services guide there for you. Please have a look at it. Please let me know if there's any questions there.\n\nMore than happy to answer it. You've got the ongoing service agreement attached showing your current fee for the next twelve months there. And once you sort of had a look through it or happy to proceed, we'll get you to sign and return that back in order to, you know, proceed with seeking as our services and staying on board with the client for the next twelve months there. Okay? Beautiful.\n\nDo you have any questions? I'm sorry. I go through a lot, and I add a lot of information. Probably a lot there. Do you have any questions that have come out of any of this?\n\nSorry. Beautiful. Fantastic. Easy. Not a problem at all.\n\nLook. What yeah. I will let you go. You have a great day. I thank you so much for your time, and you've got the email there ready to go for when you're able to review that one.\n\nOkay? No worries. Have a great day. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Luke.","start":1.76,"end":2.32,"sentiment":"neutral","sentiment_score":0.12823627144098282},{"text":"It's Dana from Oakview Financial.","start":2.32,"end":4.0,"sentiment":"neutral","sentiment_score":0.1816903680562973},{"text":"How are you this morning?","start":4.0,"end":5.14,"sentiment":"neutral","sentiment_score":0.22664836645126343},{"text":"Yeah.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.26954543590545654},{"text":"Very well.","start":7.44,"end":8.0,"sentiment":"positive","sentiment_score":0.5228895843029022}],"sentiment":"neutral","sentiment_score":0.24089938799540203,"num_words":15,"start":1.76,"end":8.0},{"sentences":[{"text":"Thank you.","start":8.0,"end":8.4,"sentiment":"positive","sentiment_score":0.6161411106586456},{"text":"Thanks for asking.","start":8.4,"end":9.28,"sentiment":"positive","sentiment_score":0.6632488171259562},{"text":"I had you booked in to go through your annual review this morning.","start":9.28,"end":11.759999,"sentiment":"neutral","sentiment_score":0.3205624268605159},{"text":"Is now still a good time there for you?","start":11.759999,"end":13.78,"sentiment":"neutral","sentiment_score":0.2990177704228295},{"text":"Fantastic.","start":15.495,"end":15.995,"sentiment":"positive","sentiment_score":0.6727821230888367}],"sentiment":"positive","sentiment_score":0.38404579567057745,"num_words":28,"start":8.0,"end":15.995},{"sentences":[{"text":"Luke, before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":18.215,"end":23.115,"sentiment":"neutral","sentiment_score":0.28956549304227036},{"text":"Are you happy for us to proceed with that?","start":23.175,"end":25.355,"sentiment":"neutral","sentiment_score":0.31665191882186466},{"text":"Fantastic.","start":27.415,"end":27.915,"sentiment":"positive","sentiment_score":0.4572136402130127},{"text":"And just to do a really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file.","start":28.055,"end":34.47,"sentiment":"neutral","sentiment_score":0.2089375187501763},{"text":"Yep.","start":36.61,"end":37.11,"sentiment":"neutral","sentiment_score":0.053565919399261475}],"sentiment":"neutral","sentiment_score":0.2530170114820494,"num_words":68,"start":18.215,"end":37.11},{"sentences":[{"text":"It is.","start":40.45,"end":40.93,"sentiment":"neutral","sentiment_score":0.0937991589307785},{"text":"Yeah.","start":40.93,"end":41.25,"sentiment":"neutral","sentiment_score":0.14739835262298584},{"text":"Perfect.","start":41.25,"end":41.73,"sentiment":"neutral","sentiment_score":0.24490812420845032},{"text":"Sorry.","start":41.73,"end":42.165,"sentiment":"neutral","sentiment_score":-0.01203673519194126},{"text":"Had to do the other way just because my system was not loading properly this morning.","start":42.245003,"end":45.445,"sentiment":"neutral","sentiment_score":-0.16085796570405364}],"sentiment":"neutral","sentiment_score":-0.09551711389351458,"num_words":21,"start":40.45,"end":45.445},{"sentences":[{"text":"I couldn't quite see the password.","start":45.445,"end":46.805,"sentiment":"neutral","sentiment_score":-0.16555961718161902},{"text":"So I was like, oh, I'll just do a three point security checker for you.","start":46.805,"end":50.185,"sentiment":"neutral","sentiment_score":-0.017856643224755924},{"text":"Easy.","start":50.485,"end":50.985,"sentiment":"neutral","sentiment_score":0.1006106734275818},{"text":"Thank you so much.","start":51.525,"end":52.405,"sentiment":"positive","sentiment_score":0.3726547807455063},{"text":"Now, Luke, we do send through your annual review doc documents to go through with you.","start":52.405,"end":56.579998,"sentiment":"neutral","sentiment_score":0.11589382076635957}],"sentiment":"neutral","sentiment_score":0.05200770421929303,"num_words":42,"start":45.445,"end":56.579998},{"sentences":[{"text":"Are you able to get into your emails?","start":56.579998,"end":58.34,"sentiment":"neutral","sentiment_score":0.03111237846314907},{"text":"If you can't, that's honestly okay.","start":58.34,"end":60.36,"sentiment":"neutral","sentiment_score":-0.011122584342956543},{"text":"Yeah.","start":63.54,"end":63.94,"sentiment":"neutral","sentiment_score":0.03588417172431946},{"text":"That's alright.","start":63.94,"end":64.659996,"sentiment":"neutral","sentiment_score":0.040332965552806854},{"text":"Otherwise otherwise, if you want me, I can just sort of go through things, and you're welcome to have a look at them later.","start":64.659996,"end":70.1,"sentiment":"neutral","sentiment_score":0.12282216254000862}],"sentiment":"neutral","sentiment_score":0.07918159818140472,"num_words":41,"start":56.579998,"end":70.1},{"sentences":[{"text":"It's more your preference and what you're able to do.","start":70.1,"end":72.695,"sentiment":"neutral","sentiment_score":0.12063985094428062},{"text":"Yeah.","start":74.915,"end":75.235,"sentiment":"neutral","sentiment_score":0.11010050028562546},{"text":"That's okay.","start":75.235,"end":76.115,"sentiment":"neutral","sentiment_score":0.15684625506401062},{"text":"That's not a problem at all.","start":76.115,"end":77.235,"sentiment":"neutral","sentiment_score":0.24967469523350397},{"text":"How's your morning been so far?","start":77.235,"end":79.015,"sentiment":"neutral","sentiment_score":0.13865054522951445}],"sentiment":"neutral","sentiment_score":0.15840571850538254,"num_words":25,"start":70.1,"end":79.015},{"sentences":[{"text":"Oh, wow.","start":82.915,"end":83.655,"sentiment":"neutral","sentiment_score":0.08797340840101242},{"text":"Wow.","start":83.795,"end":84.295,"sentiment":"neutral","sentiment_score":0.07680922746658325},{"text":"For work or bit of a holiday?","start":84.595,"end":86.630005,"sentiment":"neutral","sentiment_score":0.01817964150437287},{"text":"For work.","start":89.17,"end":89.91,"sentiment":"neutral","sentiment_score":0.01819286122918129},{"text":"Nice.","start":92.85,"end":93.35,"sentiment":"positive","sentiment_score":0.39710086584091187}],"sentiment":"neutral","sentiment_score":0.0625769325460379,"num_words":13,"start":82.915,"end":93.35},{"sentences":[{"text":"Oh, Google easy.","start":93.49,"end":95.57,"sentiment":"neutral","sentiment_score":0.22079057743151984},{"text":"Well, I'll try not to take up too much of your time.","start":95.57,"end":97.33,"sentiment":"neutral","sentiment_score":-0.03550643728037054},{"text":"We'll just sort of hit on the things that we definitely need to.","start":97.33,"end":100.07,"sentiment":"neutral","sentiment_score":0.009623217396438122},{"text":"Is there anything specific aside from your super update that you were sort of looking to touch on as part of your annual review?","start":100.575005,"end":106.595,"sentiment":"neutral","sentiment_score":0.020116607891395688},{"text":"Yes.","start":126.26,"end":126.66,"sentiment":"neutral","sentiment_score":0.11534767597913742}],"sentiment":"neutral","sentiment_score":0.0181045769142725,"num_words":53,"start":93.49,"end":126.66},{"sentences":[{"text":"Perfect.","start":126.66,"end":127.16,"sentiment":"neutral","sentiment_score":0.2948101758956909},{"text":"Yes.","start":138.105,"end":138.605,"sentiment":"neutral","sentiment_score":0.1139257550239563},{"text":"That's absolutely fine.","start":138.905,"end":140.22,"sentiment":"neutral","sentiment_score":0.3091986874739329},{"text":"That's not a problem at all.","start":140.22,"end":141.34,"sentiment":"positive","sentiment_score":0.3778863747914632},{"text":"Well, I'll jump into it and give you an update.","start":141.34,"end":143.34,"sentiment":"neutral","sentiment_score":0.12382548078894615}],"sentiment":"neutral","sentiment_score":0.23056690714188985,"num_words":21,"start":126.66,"end":143.34},{"sentences":[{"text":"So just sort of looking back at your annual review last year, your balance then was 134,928.","start":143.34,"end":150.15999,"sentiment":"neutral","sentiment_score":0.0893567327190848},{"text":"Essentially, looking at and then Kyle, my colleague, did some advice last year to switch your investments there for you as well, and then having a look at your balance as of the annual review this year, your balance as of the July 31, which is when we did the documents, that'd be sitting at a $162,004.83.","start":150.78,"end":167.39499,"sentiment":"neutral","sentiment_score":0.09954529556266048},{"text":"When we look at the returns from your portfolio as a net return to after fees, in the last twelve months, you're up by 7.35%.","start":168.23,"end":178.06999,"sentiment":"neutral","sentiment_score":0.17845989674329757},{"text":"So it is good.","start":178.06999,"end":178.95,"sentiment":"positive","sentiment_score":0.6033726185560226},{"text":"I'm happy with that return.","start":178.95,"end":180.33,"sentiment":"positive","sentiment_score":0.6975514411926269}],"sentiment":"neutral","sentiment_score":0.16255455001912736,"num_words":108,"start":143.34,"end":180.33},{"sentences":[{"text":"It is generally for a high growth portfolio a little bit lower than where we'd like it to be, but the fact that you've come out this year with a positive return is a good thing.","start":180.495,"end":188.515,"sentiment":"positive","sentiment_score":0.4184530640227927},{"text":"There has been a lot of market volatility with what's been going on in the world generally.","start":188.575,"end":192.515,"sentiment":"neutral","sentiment_score":0.038218804361189115},{"text":"So whilst it is lower, normally the high growth portfolio, you're averaging about eight to 10%.","start":192.575,"end":197.59,"sentiment":"neutral","sentiment_score":0.08791236742399633},{"text":"So this is slightly under where we'd expect it to be, but given the market conditions this year, personally, I'm pretty happy with that.","start":197.59,"end":205.51,"sentiment":"neutral","sentiment_score":0.3042259148011605},{"text":"You've also just gone through the investment switches, and that was actually a really good thing.","start":205.51,"end":209.815,"sentiment":"positive","sentiment_score":0.6570857353508472}],"sentiment":"neutral","sentiment_score":0.32050845484941376,"num_words":109,"start":180.495,"end":209.815},{"sentences":[{"text":"So yeah.","start":209.815,"end":210.875,"sentiment":"neutral","sentiment_score":0.051069220528006554},{"text":"Yeah.","start":219.095,"end":219.595,"sentiment":"neutral","sentiment_score":0.16993802785873413},{"text":"It's a high the high growth sort of portfolio that you're looking at.","start":219.89499,"end":223.62,"sentiment":"neutral","sentiment_score":0.2103347279704534},{"text":"Yeah.","start":223.86,"end":224.09999,"sentiment":"neutral","sentiment_score":0.036804795265197754},{"text":"The expected return of an yeah.","start":224.09999,"end":227.87999,"sentiment":"neutral","sentiment_score":0.07934327361484368}],"sentiment":"neutral","sentiment_score":0.15301271171673483,"num_words":23,"start":209.815,"end":227.87999},{"sentences":[{"text":"So the portfolio that you were recommended last year had a five year rolling average showing about 16%.","start":229.22,"end":235.48,"sentiment":"neutral","sentiment_score":0.19952258260713684},{"text":"A high a five year rolling average is the average over the last five years.","start":235.715,"end":240.055,"sentiment":"neutral","sentiment_score":0.1258848990003268},{"text":"However, when we look at risk level returns, we're looking at for a high growth portfolio an average of eight to 10%.","start":240.275,"end":247.235,"sentiment":"neutral","sentiment_score":0.20402299951423297},{"text":"That's a normal expected return.","start":247.235,"end":249.095,"sentiment":"positive","sentiment_score":0.5250318765640258},{"text":"It's also a more conservative rate of return that you're looking to try and achieve.","start":249.6,"end":253.14,"sentiment":"positive","sentiment_score":0.444161581993103}],"sentiment":"neutral","sentiment_score":0.2567435876528422,"num_words":75,"start":229.22,"end":253.14},{"sentences":[{"text":"Obviously, you want a much higher return, and investment portfolios can return much greater.","start":253.44,"end":258.18,"sentiment":"positive","sentiment_score":0.3947299144097737},{"text":"However, markets are volatile.","start":258.8,"end":260.4,"sentiment":"neutral","sentiment_score":-0.2779376469552517},{"text":"They do go up and down.","start":260.4,"end":261.52,"sentiment":"neutral","sentiment_score":-0.32270436733961105},{"text":"You're not gonna get 16% every year.","start":261.52,"end":263.68,"sentiment":"neutral","sentiment_score":-0.2820452792303903},{"text":"And when you look at the return that was projected in the SOA, it is just an average over the past five years.","start":263.68,"end":270.715,"sentiment":"neutral","sentiment_score":0.029171840814144714}],"sentiment":"neutral","sentiment_score":0.021756988777606574,"num_words":54,"start":253.44,"end":270.715},{"sentences":[{"text":"So rolling average takes a five year return and averages it out over per year.","start":270.715,"end":275.775,"sentiment":"neutral","sentiment_score":0.20615883668263754},{"text":"It's not by any means guaranteed.","start":275.915,"end":277.535,"sentiment":"neutral","sentiment_score":-0.12131763746341069},{"text":"It's just showing you how those investors have performed and correct.","start":277.595,"end":283.32,"sentiment":"neutral","sentiment_score":0.03501283783804287},{"text":"As an average, and then the projection table at once, if it is able to achieve the same over the next five to ten years, this is where we can expect it to look like.","start":283.32,"end":291.82,"sentiment":"neutral","sentiment_score":0.3295745666537966},{"text":"However, market fell volatile this year.","start":292.12003,"end":294.16498,"sentiment":"neutral","sentiment_score":-0.2696954111258189}],"sentiment":"neutral","sentiment_score":0.17351445627130874,"num_words":73,"start":270.715,"end":294.16498},{"sentences":[{"text":"It has definitely seen some more ups and downs that were not expected, and therefore, the returns have been a little bit lower than what we sort of like to see, but still a 7% return is actually quite good.","start":294.16498,"end":305.38498,"sentiment":"neutral","sentiment_score":-0.0639726573601365},{"text":"A lot of the returns that we have sort of seen with the market have been a little bit lower, and that's because The US year round war, but also high inflation in Australia has affected defensive investments like bonds as well.","start":306.00497,"end":318.22,"sentiment":"neutral","sentiment_score":-0.27460952582103865},{"text":"So we know that some years you're going to get, you know, a great return like maybe six or 20%, but other years it might be a 10% or 7%.","start":318.22,"end":326.665,"sentiment":"neutral","sentiment_score":0.27869713231921195},{"text":"And in a high growth portfolio, every once in at least every five years, you can also expect a new return.","start":326.885,"end":332.985,"sentiment":"neutral","sentiment_score":0.244224808045796},{"text":"So these are sort of the expectations around the risk level that you're taking.","start":333.205,"end":337.145,"sentiment":"neutral","sentiment_score":0.1354487905544894}],"sentiment":"neutral","sentiment_score":0.008798718553822056,"num_words":147,"start":294.16498,"end":337.145},{"sentences":[{"text":"But as I said, I'm pretty happy with the 7% return from what you've seen with the investment switches.","start":337.88,"end":342.94,"sentiment":"positive","sentiment_score":0.682539353245183},{"text":"Your portfolio has grown quite nicely as well.","start":343.24002,"end":346.12,"sentiment":"positive","sentiment_score":0.836050845682621},{"text":"Does that make sense?","start":346.12,"end":346.92,"sentiment":"positive","sentiment_score":0.4471816420555115},{"text":"Do you have any other questions there at all?","start":346.92,"end":348.86002,"sentiment":"neutral","sentiment_score":0.09830929670068952},{"text":"So if I go back to the advice documents that we had here from last year, that was around at this time.","start":371.15,"end":377.88998,"sentiment":"neutral","sentiment_score":-0.02731989078562368}],"sentiment":"positive","sentiment_score":0.350469792231677,"num_words":62,"start":337.88,"end":377.88998},{"sentences":[{"text":"The investments yeah.","start":379.20502,"end":381.445,"sentiment":"neutral","sentiment_score":0.059829890727996826},{"text":"The investments showed here that you in your wise risk profile, you had scored high growth and that you were happy to retain the high growth environment.","start":381.445,"end":388.745,"sentiment":"neutral","sentiment_score":0.23171175326462146},{"text":"You were in high growth prior to that.","start":389.685,"end":391.57,"sentiment":"neutral","sentiment_score":0.13334518857300282},{"text":"The updated portfolio is still high growth just to just to switch it to different investment to make sure returns are still working harder for you.","start":391.57,"end":400.23,"sentiment":"neutral","sentiment_score":0.01033493045430917},{"text":"Yeah.","start":400.45,"end":400.95,"sentiment":"neutral","sentiment_score":0.01093548722565174}],"sentiment":"neutral","sentiment_score":0.11972480304539204,"num_words":65,"start":379.20502,"end":400.95},{"sentences":[{"text":"So the return so if I pull up your last portfolio, your annual review then.","start":404.22498,"end":411.125,"sentiment":"neutral","sentiment_score":0.03130348026752472},{"text":"Here we go.","start":415.025,"end":415.925,"sentiment":"neutral","sentiment_score":0.04640975470344225},{"text":"The return.","start":417.745,"end":418.485,"sentiment":"neutral","sentiment_score":0.08678737282752991},{"text":"Last year, at your annual review, your portfolio made 14.28%.","start":418.78497,"end":424.06998,"sentiment":"neutral","sentiment_score":0.11473228111863136},{"text":"Yeah.","start":427.16998,"end":427.66998,"sentiment":"neutral","sentiment_score":0.24722307920455933}],"sentiment":"neutral","sentiment_score":0.07022264852158484,"num_words":31,"start":404.22498,"end":427.66998},{"sentences":[{"text":"It's in with your portfolio last year, one of the good things, and I am happy that Kyle did that advice for you last year, was that last year, whilst you had, you know, a 14% return there, you also had the Benelong Australian equities in that investment portfolio as part of the advice that Kyle presented to you last year that was removing that investment and swapping it out with the a 200.","start":428.69,"end":451.51,"sentiment":"neutral","sentiment_score":0.2926953157561051},{"text":"That was actually a good decision to make because the Benelon Australian Equities as of probably November last year, one of their underlying investments, they're invested in what's called Corporate Traveler.","start":452.21002,"end":464.36502,"sentiment":"neutral","sentiment_score":0.14001361016304262},{"text":"That investment actually was dishonest to the market, and it meant that that Benelon had to reevaluate that investment or part of their portfolio.","start":464.825,"end":473.47998,"sentiment":"negative","sentiment_score":-0.708612896502018},{"text":"Corporate traveler is actually on a trading halt while they've been investigated.","start":473.69998,"end":477.0,"sentiment":"negative","sentiment_score":-0.5504881516098976},{"text":"The Benelon investment is actually down by about 10 to 20% in most portfolios currently.","start":477.78,"end":484.44,"sentiment":"negative","sentiment_score":-0.49921021461486814}],"sentiment":"neutral","sentiment_score":-0.03269772611271877,"num_words":156,"start":428.69,"end":484.44},{"sentences":[{"text":"So whilst the return is slightly lower, Kyle giving you that advice last year and you swapping your investment, investments out within that high growth environment has actually worked out better for you.","start":484.5,"end":496.375,"sentiment":"positive","sentiment_score":0.3651855879209258},{"text":"It's actually a very good decision, and it meant that you're up where some other people might be feeling it down at the moment as well.","start":496.375,"end":503.35,"sentiment":"positive","sentiment_score":0.39160937185470873},{"text":"Yeah.","start":505.88998,"end":506.29,"sentiment":"neutral","sentiment_score":0.13338668644428253},{"text":"Do you have any further questions or anything else to clarify?","start":506.29,"end":509.16998,"sentiment":"neutral","sentiment_score":0.10547449033368718},{"text":"You're welcome to let me know if you do.","start":509.16998,"end":510.94998,"sentiment":"neutral","sentiment_score":0.17538279129399192}],"sentiment":"neutral","sentiment_score":0.31381274089217187,"num_words":80,"start":484.5,"end":510.94998},{"sentences":[{"text":"Yes.","start":512.69,"end":513.045,"sentiment":"neutral","sentiment_score":0.11801031231880188},{"text":"Yeah.","start":515.685,"end":516.185,"sentiment":"neutral","sentiment_score":0.05461166799068451},{"text":"That's okay.","start":517.285,"end":518.02496,"sentiment":"neutral","sentiment_score":0.03873749077320099},{"text":"Yeah.","start":519.045,"end":519.545,"sentiment":"neutral","sentiment_score":-0.05043040215969086},{"text":"Mhmm.","start":522.485,"end":522.985,"sentiment":"neutral","sentiment_score":-0.1009712964296341}],"sentiment":"neutral","sentiment_score":0.016449210544427235,"num_words":6,"start":512.69,"end":522.985},{"sentences":[{"text":"Oh, the biggest sort of downturn was around March and April this year, which is when majority of the investments did see the downturns with what was happening between Iran and America.","start":541.445,"end":551.785,"sentiment":"negative","sentiment_score":-0.34788258094340563},{"text":"So a lot of that volatility has affected everyone, but it's important to note that when you are in that high growth environment, as your balance increases over time, you are gonna feel those ups and downs a lot more.","start":552.005,"end":563.24,"sentiment":"neutral","sentiment_score":-0.2449773818254471},{"text":"So what I would be honest in saying is that if you're not comfortable with with that kind of ups and downs, if you're not comfortable seeing, you know, a lower return and feeling the ups and downs as drastically, then a high growth portfolio may not be suited to you.","start":563.24,"end":578.17505,"sentiment":"negative","sentiment_score":-0.4370197119081722},{"text":"It might be worth reviewing your risk level.","start":578.17505,"end":580.35504,"sentiment":"negative","sentiment_score":-0.3349938802421093},{"text":"Mhmm.","start":583.61505,"end":584.11505,"sentiment":"neutral","sentiment_score":-0.2303503155708313}],"sentiment":"negative","sentiment_score":-0.3494670040002375,"num_words":132,"start":541.445,"end":584.11505},{"sentences":[{"text":"Yeah.","start":585.775,"end":586.275,"sentiment":"neutral","sentiment_score":0.013905446976423264},{"text":"Yeah.","start":589.08997,"end":589.49,"sentiment":"neutral","sentiment_score":0.037115707993507385},{"text":"That's fine.","start":589.49,"end":590.14996,"sentiment":"neutral","sentiment_score":0.29424987733364105},{"text":"Yeah.","start":597.81,"end":598.305,"sentiment":"neutral","sentiment_score":0.14251074194908142},{"text":"Correct.","start":598.785,"end":599.265,"sentiment":"neutral","sentiment_score":0.2051011472940445}],"sentiment":"neutral","sentiment_score":0.16452213314672312,"num_words":6,"start":585.775,"end":599.265},{"sentences":[{"text":"And that's why we have this absolutely.","start":599.265,"end":602.96497,"sentiment":"neutral","sentiment_score":0.18403742143086024},{"text":"Absolutely.","start":603.425,"end":603.925,"sentiment":"neutral","sentiment_score":0.2655996084213257},{"text":"Yeah.","start":604.385,"end":604.705,"sentiment":"neutral","sentiment_score":0.05237508565187454},{"text":"No.","start":604.705,"end":605.105,"sentiment":"neutral","sentiment_score":-0.047472819685935974},{"text":"Of course.","start":605.105,"end":605.585,"sentiment":"neutral","sentiment_score":-0.025064125657081604}],"sentiment":"neutral","sentiment_score":0.12571963109076023,"num_words":12,"start":599.265,"end":605.585},{"sentences":[{"text":"Understandable.","start":605.585,"end":606.085,"sentiment":"neutral","sentiment_score":-0.038595050573349},{"text":"And my job is also to be really honest with you and let you know that you're not always going to get a 16% return.","start":606.305,"end":611.77,"sentiment":"neutral","sentiment_score":-0.05935446709394455},{"text":"Markets do go up and down.","start":611.77,"end":613.21,"sentiment":"neutral","sentiment_score":-0.21259177227814993},{"text":"We do not try to pick the top and the bottom of the market.","start":613.21,"end":615.69,"sentiment":"neutral","sentiment_score":-0.11636044670428548},{"text":"We invest in portfolios that have a track record that are meant for long term investing.","start":615.69,"end":620.51,"sentiment":"neutral","sentiment_score":0.05649671610444784}],"sentiment":"neutral","sentiment_score":-0.05682429286741441,"num_words":62,"start":605.585,"end":620.51},{"sentences":[{"text":"We do update and alter portfolios as changes in the market do require, as your risk level requires, but we also know that you're not gonna make a million dollars in a week or a month or one year.","start":621.21,"end":631.395,"sentiment":"neutral","sentiment_score":-0.04938182979822159},{"text":"It's about investing for the longer term and generating long term wealth.","start":631.395,"end":635.575,"sentiment":"neutral","sentiment_score":0.13036448073883852},{"text":"We do know that, well, the the portfolio has generated great returns in the past, there's no guarantee that those returns are going to keep up in the future, and we do not know what's gonna happen next during the market as well.","start":636.035,"end":648.96,"sentiment":"neutral","sentiment_score":-0.11717582771251368},{"text":"So there could be a recession in a year or two, and you may see a negative 10% return.","start":648.96,"end":653.52,"sentiment":"neutral","sentiment_score":-0.29542586834807144},{"text":"It's about making sure that you're comfortable with the risk level you're taking so you can stay invested through those downturns, keep your contributions going in, and take advantage of the compounding effect as it increases there.","start":653.52,"end":665.305,"sentiment":"neutral","sentiment_score":0.0681124439311994}],"sentiment":"neutral","sentiment_score":-0.05662006172041098,"num_words":150,"start":621.21,"end":665.305},{"sentences":[{"text":"Does that make sense?","start":665.305,"end":666.185,"sentiment":"neutral","sentiment_score":0.07602444291114807},{"text":"Does that help?","start":666.185,"end":667.88495,"sentiment":"neutral","sentiment_score":0.06303924694657326},{"text":"Yep.","start":668.92,"end":669.42,"sentiment":"neutral","sentiment_score":0.13455481827259064},{"text":"Beautiful.","start":670.36,"end":670.86,"sentiment":"positive","sentiment_score":0.6951956748962402},{"text":"Excellent.","start":670.92,"end":671.42,"sentiment":"positive","sentiment_score":0.6586086750030518}],"sentiment":"neutral","sentiment_score":0.19815746806561946,"num_words":10,"start":665.305,"end":671.42},{"sentences":[{"text":"I know it's not always it's not always fun to hear that you've got a lower rate of return.","start":671.64,"end":675.42,"sentiment":"neutral","sentiment_score":0.05619003937432641},{"text":"I am honestly happy with the 7% return if you're knowing what the markets have done and having seen how other portfolios have performed.","start":675.56,"end":682.46,"sentiment":"positive","sentiment_score":0.3997495335837205},{"text":"I've had a lot of these harder conversations this year with clients, and part of my job is to be really honest and let you know this is what is expected.","start":683.225,"end":690.665,"sentiment":"neutral","sentiment_score":0.0175129909428858},{"text":"This is what can happen.","start":690.665,"end":691.88495,"sentiment":"neutral","sentiment_score":0.04641850292682648},{"text":"When we talked to economists recently, they are noting that with changes in the market, there is a bit of a fallback to the property.","start":692.425,"end":698.82,"sentiment":"neutral","sentiment_score":-0.12335370719432831}],"sentiment":"neutral","sentiment_score":0.0803149241166046,"num_words":104,"start":671.64,"end":698.82},{"sentences":[{"text":"So they are sort of hoping that inflation will sort of decrease into early next year that can cause more market state state build stability as well.","start":698.82,"end":709.06,"sentiment":"neutral","sentiment_score":-0.1271195861476439},{"text":"Sorry.","start":709.06,"end":709.56,"sentiment":"neutral","sentiment_score":-0.10748888552188872},{"text":"Because investors are less concerned about the highest rate from the borrowing capacity and businesses as a whole having to pay back higher interest on loan.","start":710.44495,"end":719.005,"sentiment":"neutral","sentiment_score":-0.13335200771689415},{"text":"So that can have a a definite effect there.","start":719.005,"end":722.04,"sentiment":"neutral","sentiment_score":-0.04885401783718003},{"text":"But in saying that, who knows what is gonna happen next year?","start":722.51996,"end":725.56,"sentiment":"neutral","sentiment_score":-0.11942207875351112}],"sentiment":"neutral","sentiment_score":-0.11839494690299034,"num_words":75,"start":698.82,"end":725.56},{"sentences":[{"text":"Trump could come out and start another war, and we just have to kinda wait through it.","start":725.56,"end":729.24,"sentiment":"neutral","sentiment_score":-0.21752392456812017},{"text":"So what I would probably like to do what I would probably like to do, if you're comfortable, is keep your portfolio for the moment.","start":729.24,"end":737.82,"sentiment":"neutral","sentiment_score":0.029554614797234535},{"text":"We can do a bit of a catch up in maybe three or six months, see how things are tracking along a little bit more closely for you, and then stay down the track if we need to make any further changes.","start":738.495,"end":747.775,"sentiment":"neutral","sentiment_score":0.04527287743985653},{"text":"Or if you find you're not comfortable with the risk level, please speak up and let me know in that time frame.","start":747.775,"end":752.45996,"sentiment":"neutral","sentiment_score":-0.047350631688128815},{"text":"Does that sound okay with you?","start":752.45996,"end":754.0,"sentiment":"neutral","sentiment_score":0.0390118807554245}],"sentiment":"neutral","sentiment_score":-0.016653777748745466,"num_words":112,"start":725.56,"end":754.0},{"sentences":[{"text":"Yep.","start":755.82,"end":756.32,"sentiment":"neutral","sentiment_score":0.07555355131626129},{"text":"Yep.","start":759.74,"end":760.24,"sentiment":"neutral","sentiment_score":0.16137997806072235},{"text":"Yeah.","start":762.62,"end":762.94,"sentiment":"neutral","sentiment_score":0.22476185858249664},{"text":"Beautiful.","start":762.94,"end":763.44,"sentiment":"positive","sentiment_score":0.4741204380989074},{"text":"Excellent.","start":763.74,"end":764.24,"sentiment":"positive","sentiment_score":0.4316067695617676}],"sentiment":"neutral","sentiment_score":0.27348451912403104,"num_words":5,"start":755.82,"end":764.24},{"sentences":[{"text":"All good.","start":764.54,"end":765.195,"sentiment":"neutral","sentiment_score":0.23716347478330135},{"text":"In the email, you will see the breakdown of your performance report as well as the summary there.","start":765.515,"end":770.795,"sentiment":"neutral","sentiment_score":0.16694898241096073},{"text":"You're welcome to have a bit of a look at those, and let me know if you do know if you do have to have any questions there at all.","start":770.795,"end":775.915,"sentiment":"positive","sentiment_score":0.4589805026849111},{"text":"Okay?","start":775.915,"end":776.415,"sentiment":"neutral","sentiment_score":0.20581364631652832},{"text":"Excellent.","start":778.5,"end":779.0,"sentiment":"positive","sentiment_score":0.6357181668281555}],"sentiment":"positive","sentiment_score":0.34789145243569064,"num_words":52,"start":764.54,"end":779.0},{"sentences":[{"text":"Now with your insurance aspect here, your current cover, you've got a a towel policy with life and TBD.","start":779.38,"end":785.72,"sentiment":"neutral","sentiment_score":0.12841807345026418},{"text":"The current sum insured that you have there is a bit over 1,300,000.","start":786.57996,"end":791.45996,"sentiment":"neutral","sentiment_score":0.04226107178972317},{"text":"So 1,000,000 is 356,588 of life and TBD paid out of your super fund there.","start":791.45996,"end":799.255,"sentiment":"neutral","sentiment_score":0.06572563399871191},{"text":"Just looking at that life cover, if you were to pass away today, as an example, the life cover pays out, but then your super balance pays out on top of that.","start":799.635,"end":808.295,"sentiment":"neutral","sentiment_score":0.04920778074301779},{"text":"Sorry.","start":809.37,"end":809.76996,"sentiment":"neutral","sentiment_score":-0.023624692112207413}],"sentiment":"neutral","sentiment_score":0.06907807663083076,"num_words":80,"start":779.38,"end":809.76996},{"sentences":[{"text":"Just double checking.","start":809.76996,"end":810.75,"sentiment":"neutral","sentiment_score":-0.03130029638608297},{"text":"Where is your main goal for that last year was to have it all sort of paid to your partner?","start":810.97,"end":817.87,"sentiment":"neutral","sentiment_score":0.023216002248227598},{"text":"Is that still where you'd like us to go?","start":818.32996,"end":820.00995,"sentiment":"neutral","sentiment_score":0.02625805739727285},{"text":"Is to go to Sasha?","start":820.00995,"end":821.06995,"sentiment":"neutral","sentiment_score":0.012384895980358124},{"text":"Yep.","start":822.17,"end":822.67,"sentiment":"neutral","sentiment_score":0.21876752376556396}],"sentiment":"neutral","sentiment_score":0.023353517790766137,"num_words":38,"start":809.76996,"end":822.67},{"sentences":[{"text":"Beautiful.","start":822.915,"end":823.315,"sentiment":"positive","sentiment_score":0.57124924659729},{"text":"Do you feel like the level that you are covered for is efficient?","start":823.315,"end":826.195,"sentiment":"neutral","sentiment_score":0.24923265209564796},{"text":"Did you want to look at maybe updating that at all or reevaluating the insurances?","start":826.195,"end":830.375,"sentiment":"neutral","sentiment_score":0.04236317798495293},{"text":"Yep.","start":835.71497,"end":836.07,"sentiment":"neutral","sentiment_score":0.023527976125478745},{"text":"Yeah.","start":837.99,"end":838.23,"sentiment":"neutral","sentiment_score":0.049179889261722565}],"sentiment":"neutral","sentiment_score":0.14578804061297448,"num_words":31,"start":822.915,"end":838.23},{"sentences":[{"text":"Absolutely.","start":838.23,"end":838.73,"sentiment":"neutral","sentiment_score":0.0596526637673378},{"text":"No.","start":840.71,"end":840.87,"sentiment":"neutral","sentiment_score":-0.07033860683441162},{"text":"No.","start":840.87,"end":841.27,"sentiment":"neutral","sentiment_score":-0.08647578209638596},{"text":"So yeah.","start":841.27,"end":844.07,"sentiment":"neutral","sentiment_score":-0.05498358234763146},{"text":"You're right.","start":844.07,"end":844.63,"sentiment":"neutral","sentiment_score":0.04487217217683792}],"sentiment":"neutral","sentiment_score":-0.016769220786435262,"num_words":7,"start":838.23,"end":844.63},{"sentences":[{"text":"No.","start":844.63,"end":844.79,"sentiment":"neutral","sentiment_score":-0.030841480940580368},{"text":"So we definitely do.","start":844.79,"end":846.15,"sentiment":"neutral","sentiment_score":0.0837798286229372},{"text":"We look at life, PPD, income protection, trauma cover.","start":846.15,"end":849.27,"sentiment":"neutral","sentiment_score":0.010082656388274498},{"text":"We can look at different types of business cover depending on what you're after.","start":849.27,"end":852.745,"sentiment":"neutral","sentiment_score":0.019769188814929554},{"text":"What sort of insurances are you sort of looking to try and get?","start":853.045,"end":855.945,"sentiment":"neutral","sentiment_score":-0.012528729625046253}],"sentiment":"neutral","sentiment_score":0.01241260730070857,"num_words":41,"start":844.63,"end":855.945},{"sentences":[{"text":"We we don't do those because they're more general types of insurances.","start":862.805,"end":866.745,"sentiment":"neutral","sentiment_score":-0.15507838067909083},{"text":"Yeah.","start":867.6,"end":867.83997,"sentiment":"neutral","sentiment_score":0.022947708144783977},{"text":"That's okay.","start":867.83997,"end":868.74,"sentiment":"neutral","sentiment_score":0.0576822254806757},{"text":"Do you have, like, a general insurance broker that can look after those things?","start":868.8,"end":872.32,"sentiment":"neutral","sentiment_score":0.018452609623117105},{"text":"If not, I could always look and see if I can find something.","start":872.32,"end":875.45996,"sentiment":"neutral","sentiment_score":0.004490146413445473}],"sentiment":"neutral","sentiment_score":-0.03347428502248866,"num_words":42,"start":862.805,"end":875.45996},{"sentences":[{"text":"Yep.","start":875.83997,"end":876.33997,"sentiment":"neutral","sentiment_score":-0.007612317800521851},{"text":"Yeah.","start":877.51996,"end":877.76,"sentiment":"neutral","sentiment_score":0.30399686098098755},{"text":"That's absolutely fine.","start":877.76,"end":878.95996,"sentiment":"positive","sentiment_score":0.6378111640612284},{"text":"It's a really good question.","start":878.95996,"end":880.07996,"sentiment":"positive","sentiment_score":0.7203685164451599},{"text":"I'm glad you definitely asked it.","start":880.07996,"end":881.76,"sentiment":"positive","sentiment_score":0.7606140871842703}],"sentiment":"positive","sentiment_score":0.6484590712934732,"num_words":16,"start":875.83997,"end":881.76},{"sentences":[{"text":"Easy.","start":881.76,"end":882.26,"sentiment":"positive","sentiment_score":0.4743469357490539},{"text":"Perfect.","start":882.48,"end":882.98,"sentiment":"positive","sentiment_score":0.3389410674571991},{"text":"Oh.","start":887.155,"end":887.655,"sentiment":"neutral","sentiment_score":-0.1826954334974289},{"text":"Yeah.","start":898.96,"end":899.28,"sentiment":"negative","sentiment_score":-0.34802550077438354},{"text":"That's horrible.","start":899.28,"end":900.10004,"sentiment":"negative","sentiment_score":-0.6691844761371613}],"sentiment":"neutral","sentiment_score":-0.17596698055664697,"num_words":6,"start":881.76,"end":900.10004},{"sentences":[{"text":"Gosh.","start":900.4,"end":900.9,"sentiment":"negative","sentiment_score":-0.465591162443161},{"text":"That's yeah.","start":904.08,"end":904.96,"sentiment":"neutral","sentiment_score":-0.027674440294504166},{"text":"Not great.","start":904.96,"end":905.86,"sentiment":"neutral","sentiment_score":-0.05654576327651739},{"text":"Yeah.","start":906.4,"end":906.8,"sentiment":"neutral","sentiment_score":-0.02903570793569088},{"text":"Absolutely.","start":906.8,"end":907.3,"sentiment":"neutral","sentiment_score":-0.02788970246911049}],"sentiment":"neutral","sentiment_score":-0.09870813999857221,"num_words":7,"start":900.4,"end":907.3},{"sentences":[{"text":"That's not great.","start":907.44,"end":908.24,"sentiment":"neutral","sentiment_score":-0.293628732363383},{"text":"Have you been able to report to the police and recover any of that at all?","start":908.24,"end":911.92,"sentiment":"neutral","sentiment_score":-0.13751517422497272},{"text":"Or No.","start":911.92,"end":914.735,"sentiment":"neutral","sentiment_score":-0.15500018745660782},{"text":"It's a shame.","start":914.735,"end":915.555,"sentiment":"negative","sentiment_score":-0.47971342007319134},{"text":"Oh, that's a that's a lot of money when you're oh my god.","start":921.375,"end":925.135,"sentiment":"negative","sentiment_score":-0.49486509882486784}],"sentiment":"neutral","sentiment_score":-0.30441934877150767,"num_words":37,"start":907.44,"end":925.135},{"sentences":[{"text":"That's horrendous.","start":925.135,"end":925.875,"sentiment":"negative","sentiment_score":-0.716503769159317},{"text":"Yeah.","start":926.52,"end":926.76,"sentiment":"neutral","sentiment_score":-0.08313297480344772},{"text":"No.","start":926.76,"end":927.26,"sentiment":"neutral","sentiment_score":-0.2000928670167923},{"text":"That's Yeah.","start":928.76,"end":939.10004,"sentiment":"neutral","sentiment_score":-0.10269512981176376},{"text":"Yep.","start":941.435,"end":941.935,"sentiment":"neutral","sentiment_score":-0.0649431049823761}],"sentiment":"neutral","sentiment_score":-0.283795249249254,"num_words":7,"start":925.135,"end":941.935},{"sentences":[{"text":"Yeah.","start":945.675,"end":946.175,"sentiment":"neutral","sentiment_score":0.04124295338988304},{"text":"That's absolutely fine.","start":946.715,"end":948.335,"sentiment":"neutral","sentiment_score":0.09877561529477437},{"text":"Yep.","start":953.755,"end":954.075,"sentiment":"neutral","sentiment_score":0.041976384818553925},{"text":"That's absolutely fine.","start":954.075,"end":956.06,"sentiment":"neutral","sentiment_score":0.2657851427793503},{"text":"Perfect.","start":956.06,"end":956.56,"sentiment":"positive","sentiment_score":0.5351477265357971}],"sentiment":"neutral","sentiment_score":0.1902277043296231,"num_words":9,"start":945.675,"end":956.56},{"sentences":[{"text":"Easy done.","start":956.69995,"end":957.51996,"sentiment":"neutral","sentiment_score":0.2768142940476537},{"text":"With looking at the life cover you have now, if you were to sort of look at your assets and if you were to pass away now with your life and your, say, super balance paid out to your family, Are you kind of wanting do you have any kind of plan on how you would like them to use those funds?","start":958.22,"end":973.055,"sentiment":"neutral","sentiment_score":0.0021237303923454976},{"text":"Is it to kind of pay off both the properties you have, or what's the what would be the goal with that?","start":973.055,"end":978.27496,"sentiment":"neutral","sentiment_score":0.007179653356698426},{"text":"Yep.","start":982.415,"end":982.86,"sentiment":"neutral","sentiment_score":-0.007286454550921917},{"text":"Yep.","start":1000.135,"end":1000.635,"sentiment":"neutral","sentiment_score":0.18220603466033936}],"sentiment":"neutral","sentiment_score":0.011570134390653535,"num_words":88,"start":956.69995,"end":1000.635},{"sentences":[{"text":"Yeah.","start":1002.775,"end":1003.175,"sentiment":"neutral","sentiment_score":0.08407997339963913},{"text":"Well, if you sort of absolutely.","start":1003.175,"end":1005.915,"sentiment":"neutral","sentiment_score":0.10029833391308784},{"text":"If you sort of had a look at that, I mean, your Super Balance plus your life cover, essentially, covers you for a bit over 1,500,000 there.","start":1005.975,"end":1012.7,"sentiment":"neutral","sentiment_score":0.08152551617887285},{"text":"So, realistically, she'd have more than a million dollars to sort of live on that could definitely provide a decent benefit for her.","start":1012.7,"end":1019.44,"sentiment":"neutral","sentiment_score":0.1820535656550656},{"text":"With your main primary residence, the asset value we had last year was about 1,300,000.","start":1019.9,"end":1025.375,"sentiment":"neutral","sentiment_score":0.0355231882383426}],"sentiment":"neutral","sentiment_score":0.10565470482429697,"num_words":72,"start":1002.775,"end":1025.375},{"sentences":[{"text":"What would you put out value wise on that at the moment?","start":1025.515,"end":1028.335,"sentiment":"neutral","sentiment_score":-0.00429735891520977},{"text":"Mhmm.","start":1036.0751,"end":1036.53,"sentiment":"neutral","sentiment_score":-0.007090911269187927},{"text":"Mhmm.","start":1045.73,"end":1046.23,"sentiment":"neutral","sentiment_score":-0.0075273881666362286},{"text":"Okay.","start":1057.985,"end":1058.485,"sentiment":"neutral","sentiment_score":0.07602211087942123},{"text":"Perfect.","start":1058.545,"end":1059.045,"sentiment":"neutral","sentiment_score":0.32899171113967896}],"sentiment":"neutral","sentiment_score":0.021176700975047424,"num_words":16,"start":1025.515,"end":1059.045},{"sentences":[{"text":"Yeah.","start":1059.8251,"end":1060.145,"sentiment":"neutral","sentiment_score":0.1369508057832718},{"text":"Lovely.","start":1060.145,"end":1060.625,"sentiment":"positive","sentiment_score":0.3904089331626892},{"text":"Excellent.","start":1060.625,"end":1061.125,"sentiment":"neutral","sentiment_score":0.21165983378887177},{"text":"About the one point five.","start":1062.77,"end":1063.8099,"sentiment":"neutral","sentiment_score":0.0466283030807972},{"text":"Beautiful.","start":1063.8099,"end":1064.21,"sentiment":"positive","sentiment_score":0.6218987703323364}],"sentiment":"neutral","sentiment_score":0.17711776205235058,"num_words":9,"start":1059.8251,"end":1064.21},{"sentences":[{"text":"I'll just update it to that for the moment, and then we can update that when you get that appraisal back.","start":1064.21,"end":1068.37,"sentiment":"neutral","sentiment_score":0.27233247458934784},{"text":"Fantastic.","start":1068.37,"end":1068.87,"sentiment":"positive","sentiment_score":0.5193164348602295},{"text":"And with the investment property yeah.","start":1069.57,"end":1076.39,"sentiment":"neutral","sentiment_score":0.054074520245194435},{"text":"Absolutely.","start":1076.415,"end":1076.915,"sentiment":"neutral","sentiment_score":0.023076120764017105},{"text":"Yeah.","start":1079.775,"end":1080.275,"sentiment":"neutral","sentiment_score":0.0030616605654358864}],"sentiment":"neutral","sentiment_score":0.2196294434679051,"num_words":30,"start":1064.21,"end":1080.275},{"sentences":[{"text":"Okay.","start":1083.535,"end":1084.035,"sentiment":"neutral","sentiment_score":0.007066878490149975},{"text":"Yeah.","start":1086.5751,"end":1087.055,"sentiment":"neutral","sentiment_score":0.026998434215784073},{"text":"Absolutely.","start":1087.055,"end":1087.555,"sentiment":"neutral","sentiment_score":0.029051968827843663},{"text":"No.","start":1087.935,"end":1088.255,"sentiment":"neutral","sentiment_score":-0.025325069203972816},{"text":"Definitely.","start":1088.255,"end":1088.755,"sentiment":"neutral","sentiment_score":-0.009563775733113287}],"sentiment":"neutral","sentiment_score":0.005645687319338321,"num_words":5,"start":1083.535,"end":1088.755},{"sentences":[{"text":"And with the investment property, what sort of value would you put on that?","start":1088.895,"end":1091.7,"sentiment":"neutral","sentiment_score":0.0002435113170317241},{"text":"We had about 400,000 last year.","start":1091.7,"end":1094.28,"sentiment":"neutral","sentiment_score":-0.008293249023457369},{"text":"$5.20?","start":1097.5399,"end":1098.34,"sentiment":"neutral","sentiment_score":0.011297269724309444},{"text":"Excellent.","start":1098.34,"end":1098.84,"sentiment":"neutral","sentiment_score":0.2791832387447357},{"text":"Beautiful.","start":1099.7,"end":1100.2,"sentiment":"neutral","sentiment_score":0.2953663766384125}],"sentiment":"neutral","sentiment_score":0.02345637171326772,"num_words":23,"start":1088.895,"end":1100.2},{"sentences":[{"text":"And the mortgage on the investment property was sitting at about 400,000 last year.","start":1100.74,"end":1105.46,"sentiment":"neutral","sentiment_score":0.030267437720405205},{"text":"Have you is that principal and interest or just interest only?","start":1105.46,"end":1108.965,"sentiment":"neutral","sentiment_score":-0.0037415262989022517},{"text":"Yep.","start":1111.065,"end":1111.565,"sentiment":"neutral","sentiment_score":-0.004935023374855518},{"text":"Perfect.","start":1113.665,"end":1114.165,"sentiment":"neutral","sentiment_score":0.16493886709213257},{"text":"There we go.","start":1114.465,"end":1115.445,"sentiment":"neutral","sentiment_score":0.10538975149393082}],"sentiment":"neutral","sentiment_score":0.02862534789989392,"num_words":30,"start":1100.74,"end":1115.445},{"sentences":[{"text":"Excellent.","start":1116.305,"end":1116.805,"sentiment":"neutral","sentiment_score":0.23561885952949524},{"text":"Oh, absolutely.","start":1118.545,"end":1119.365,"sentiment":"neutral","sentiment_score":0.15730810165405273},{"text":"Paying off your main primary residence as a nondeductible debt is definitely the way to reduce that quicker.","start":1119.505,"end":1124.4401,"sentiment":"neutral","sentiment_score":0.1661008463965522},{"text":"Absolutely.","start":1124.4401,"end":1124.9401,"sentiment":"neutral","sentiment_score":0.10164599865674973},{"text":"Yep.","start":1126.2,"end":1126.52,"sentiment":"neutral","sentiment_score":0.023844031617045403}],"sentiment":"neutral","sentiment_score":0.15937131861953632,"num_words":23,"start":1116.305,"end":1126.52},{"sentences":[{"text":"No.","start":1126.52,"end":1126.84,"sentiment":"neutral","sentiment_score":0.00893905945122242},{"text":"Perfect.","start":1126.84,"end":1127.34,"sentiment":"neutral","sentiment_score":0.0731174573302269},{"text":"I've also got your unit here at asset value of 70,000.","start":1127.64,"end":1131.32,"sentiment":"neutral","sentiment_score":0.03478143668987534},{"text":"What sort of value would you put on the unit?","start":1131.32,"end":1133.5,"sentiment":"neutral","sentiment_score":-0.000565465446561575},{"text":"60?","start":1137.0,"end":1137.5,"sentiment":"neutral","sentiment_score":-0.02411751076579094}],"sentiment":"neutral","sentiment_score":0.01812000646411131,"num_words":24,"start":1126.52,"end":1137.5},{"sentences":[{"text":"Yep.","start":1137.915,"end":1138.155,"sentiment":"neutral","sentiment_score":0.011245505884289742},{"text":"That's absolutely fine.","start":1138.155,"end":1139.6951,"sentiment":"neutral","sentiment_score":0.08576063563426335},{"text":"That's okay.","start":1139.8351,"end":1140.7351,"sentiment":"neutral","sentiment_score":0.03375002183020115},{"text":"And debt value was about 10,000.","start":1141.3551,"end":1143.915,"sentiment":"neutral","sentiment_score":-0.002621338547517856},{"text":"Do you still have the debt on view?","start":1143.915,"end":1145.935,"sentiment":"neutral","sentiment_score":-0.01613242574967444}],"sentiment":"neutral","sentiment_score":0.009562000958248973,"num_words":20,"start":1137.915,"end":1145.935},{"sentences":[{"text":"Okay.","start":1151.1951,"end":1151.675,"sentiment":"neutral","sentiment_score":0.08476048707962036},{"text":"Perfect.","start":1151.675,"end":1152.175,"sentiment":"neutral","sentiment_score":0.1983896791934967},{"text":"Fantastic.","start":1152.74,"end":1153.24,"sentiment":"positive","sentiment_score":0.38486987352371216},{"text":"Oh, fantastic.","start":1158.18,"end":1159.0,"sentiment":"positive","sentiment_score":0.5121009945869446},{"text":"That'll be nice.","start":1159.14,"end":1159.9401,"sentiment":"positive","sentiment_score":0.6302930116653442}],"sentiment":"positive","sentiment_score":0.4478876329958439,"num_words":8,"start":1151.1951,"end":1159.9401},{"sentences":[{"text":"One less debt to worry about.","start":1159.9401,"end":1161.64,"sentiment":"neutral","sentiment_score":0.33037077138821286},{"text":"And then absolutely.","start":1162.74,"end":1165.65,"sentiment":"neutral","sentiment_score":0.29732490082581836},{"text":"And then you've also got the boat there.","start":1166.315,"end":1167.915,"sentiment":"neutral","sentiment_score":0.15769623033702374},{"text":"Do you still have your boat?","start":1167.915,"end":1169.375,"sentiment":"neutral","sentiment_score":0.061414593209822975},{"text":"Yep.","start":1172.235,"end":1172.635,"sentiment":"neutral","sentiment_score":0.0974440574645996}],"sentiment":"neutral","sentiment_score":0.1917375329261025,"num_words":24,"start":1159.9401,"end":1172.635},{"sentences":[{"text":"And the value on that last year was about 18,000.","start":1172.635,"end":1175.595,"sentiment":"neutral","sentiment_score":0.060370251163840295},{"text":"What's the value would you put on it at the moment?","start":1175.595,"end":1177.855,"sentiment":"neutral","sentiment_score":0.030219601128589024},{"text":"14 thousand.","start":1181.54,"end":1182.52,"sentiment":"neutral","sentiment_score":0.042563813738524914},{"text":"Beautiful.","start":1182.58,"end":1183.08,"sentiment":"positive","sentiment_score":0.5277277231216431},{"text":"And then I've also got your caravan with a value of 15,000.","start":1184.1,"end":1187.86,"sentiment":"neutral","sentiment_score":0.09269440112014611}],"sentiment":"neutral","sentiment_score":0.07392517466925913,"num_words":36,"start":1172.635,"end":1187.86},{"sentences":[{"text":"What sort of value would you put on that now?","start":1187.86,"end":1189.88,"sentiment":"neutral","sentiment_score":0.021389807853847743},{"text":"Yep.","start":1192.34,"end":1192.82,"sentiment":"neutral","sentiment_score":0.09355565905570984},{"text":"Fantastic.","start":1192.82,"end":1193.32,"sentiment":"positive","sentiment_score":0.5115184783935547},{"text":"Excellent.","start":1193.62,"end":1194.12,"sentiment":"positive","sentiment_score":0.4462459683418274},{"text":"And do you have any kind of I actually don't at the moment.","start":1195.005,"end":1198.925,"sentiment":"neutral","sentiment_score":-0.07501940973676167}],"sentiment":"neutral","sentiment_score":0.01115253299044875,"num_words":26,"start":1187.86,"end":1198.925},{"sentences":[{"text":"My husband's not a caravan.","start":1198.925,"end":1200.385,"sentiment":"neutral","sentiment_score":-0.18727729022502898},{"text":"I'm gonna be really honest with you.","start":1200.4451,"end":1202.285,"sentiment":"neutral","sentiment_score":-0.11747448039906365},{"text":"He's also not a boat person.","start":1202.285,"end":1203.985,"sentiment":"neutral","sentiment_score":-0.13334234928091368},{"text":"Yep.","start":1210.23,"end":1210.73,"sentiment":"neutral","sentiment_score":-0.03524842485785484},{"text":"No.","start":1213.99,"end":1214.49,"sentiment":"neutral","sentiment_score":-0.09162132441997528}],"sentiment":"neutral","sentiment_score":-0.13428158294409515,"num_words":20,"start":1198.925,"end":1214.49},{"sentences":[{"text":"Understandable.","start":1214.55,"end":1215.05,"sentiment":"neutral","sentiment_score":-0.02157217264175415},{"text":"All good.","start":1216.15,"end":1217.05,"sentiment":"positive","sentiment_score":0.3445298969745636},{"text":"With your investment property, do you have any other goals to kind of build and add more investment properties to your portfolio, or is it just the two that you've got you comfortable with?","start":1217.43,"end":1225.11,"sentiment":"neutral","sentiment_score":0.05940995551645756},{"text":"What's kind of that in goal?","start":1225.11,"end":1230.195,"sentiment":"neutral","sentiment_score":-0.03095236358543237},{"text":"Yep.","start":1233.375,"end":1233.875,"sentiment":"neutral","sentiment_score":0.07695025950670242}],"sentiment":"neutral","sentiment_score":0.058605958792296325,"num_words":44,"start":1214.55,"end":1233.875},{"sentences":[{"text":"Mhmm.","start":1239.9349,"end":1240.4349,"sentiment":"neutral","sentiment_score":-0.03594398498535156},{"text":"Yeah.","start":1244.4299,"end":1244.9299,"sentiment":"neutral","sentiment_score":0.0511336624622345},{"text":"Yeah.","start":1266.115,"end":1266.595,"sentiment":"neutral","sentiment_score":0.10808075964450836},{"text":"Yes.","start":1266.595,"end":1267.075,"sentiment":"neutral","sentiment_score":0.11776387691497804},{"text":"Yes.","start":1267.075,"end":1267.395,"sentiment":"neutral","sentiment_score":0.16427403688430786}],"sentiment":"neutral","sentiment_score":0.08106167018413543,"num_words":5,"start":1239.9349,"end":1267.395},{"sentences":[{"text":"Perfect.","start":1267.395,"end":1267.795,"sentiment":"positive","sentiment_score":0.4449295401573181},{"text":"Are you looking to sort of buy off the plan to kinda get the best the tax rates now those changes have gone through?","start":1267.795,"end":1274.27,"sentiment":"neutral","sentiment_score":-0.07058884653573234},{"text":"Yeah.","start":1283.85,"end":1284.35,"sentiment":"neutral","sentiment_score":-0.024784352630376816},{"text":"That's okay.","start":1284.8099,"end":1285.63,"sentiment":"neutral","sentiment_score":0.007894007489085197},{"text":"Yep.","start":1287.8251,"end":1288.3251,"sentiment":"neutral","sentiment_score":0.0852571576833725}],"sentiment":"neutral","sentiment_score":-0.04044627436789973,"num_words":29,"start":1267.395,"end":1288.3251},{"sentences":[{"text":"Yep.","start":1295.665,"end":1296.165,"sentiment":"neutral","sentiment_score":0.022230714559555057},{"text":"Yeah.","start":1296.9451,"end":1297.265,"sentiment":"neutral","sentiment_score":0.328869104385376},{"text":"Fantastic.","start":1297.265,"end":1297.765,"sentiment":"positive","sentiment_score":0.6723355054855347},{"text":"Excellent.","start":1298.225,"end":1298.725,"sentiment":"positive","sentiment_score":0.6194592714309692},{"text":"And I know you said there's a lot a lot of changes coming with that new with you having purchased into business and income side of things.","start":1299.08,"end":1305.5,"sentiment":"neutral","sentiment_score":0.10295093542447796}],"sentiment":"neutral","sentiment_score":0.1426635436233013,"num_words":31,"start":1295.665,"end":1305.5},{"sentences":[{"text":"What do you sort of estimate your income might be for this year?","start":1305.88,"end":1309.0,"sentiment":"neutral","sentiment_score":0.017780456978541154},{"text":"Have you sort of thought of what you're expecting to earn?","start":1309.0,"end":1311.645,"sentiment":"neutral","sentiment_score":0.017231123691255398},{"text":"Okay.","start":1314.685,"end":1315.085,"sentiment":"neutral","sentiment_score":0.1877158880233765},{"text":"Perfect.","start":1315.085,"end":1315.585,"sentiment":"positive","sentiment_score":0.3439384996891022},{"text":"And three 100.","start":1317.085,"end":1318.125,"sentiment":"neutral","sentiment_score":0.09802188475926717}],"sentiment":"neutral","sentiment_score":0.04297959804534912,"num_words":29,"start":1305.88,"end":1318.125},{"sentences":[{"text":"Excellent.","start":1318.125,"end":1318.625,"sentiment":"neutral","sentiment_score":0.3121585249900818},{"text":"Yep.","start":1325.82,"end":1326.32,"sentiment":"neutral","sentiment_score":0.09882955253124236},{"text":"Fantastic.","start":1333.2599,"end":1333.7599,"sentiment":"positive","sentiment_score":0.3709287643432617},{"text":"Yep.","start":1340.0599,"end":1340.475,"sentiment":"neutral","sentiment_score":0.03500530123710632},{"text":"Absolutely.","start":1343.755,"end":1344.255,"sentiment":"neutral","sentiment_score":0.3212823271751404}],"sentiment":"neutral","sentiment_score":0.22764089405536653,"num_words":5,"start":1318.125,"end":1344.255},{"sentences":[{"text":"Fantastic.","start":1344.395,"end":1344.895,"sentiment":"positive","sentiment_score":0.4375092089176178},{"text":"And occupation wise, you're still technically a shop fitter.","start":1345.995,"end":1348.5549,"sentiment":"neutral","sentiment_score":0.07042667973372671},{"text":"Would you change or update your occupation at all?","start":1348.5549,"end":1351.535,"sentiment":"neutral","sentiment_score":0.016498790433009464},{"text":"No.","start":1352.315,"end":1352.635,"sentiment":"neutral","sentiment_score":-0.1179775968194008},{"text":"That's okay.","start":1352.635,"end":1353.515,"sentiment":"neutral","sentiment_score":-0.09532316774129868}],"sentiment":"neutral","sentiment_score":0.04141884127801115,"num_words":22,"start":1344.395,"end":1353.515},{"sentences":[{"text":"That's alright.","start":1353.515,"end":1354.335,"sentiment":"neutral","sentiment_score":-0.041442861780524254},{"text":"And sorry.","start":1355.34,"end":1356.72,"sentiment":"neutral","sentiment_score":-0.07890449464321136},{"text":"Just looking at the TBD side of things as well there, you've got the same level of TBD.","start":1357.58,"end":1362.38,"sentiment":"neutral","sentiment_score":-0.06994368135929108},{"text":"Now I don't know if anyone's ever kinda gone through with you and explained that while TBD covers you if you were unable to ever go back to work again, TBD, if you claim successfully and withdraw money and you're under the age of 60, you actually are you do pay tax on that.","start":1362.38,"end":1379.715,"sentiment":"neutral","sentiment_score":-0.009062795244433262},{"text":"Taxes up to 22%.","start":1379.715,"end":1381.575,"sentiment":"neutral","sentiment_score":-0.04322164924815297}],"sentiment":"neutral","sentiment_score":-0.02702448146883398,"num_words":80,"start":1353.515,"end":1381.575},{"sentences":[{"text":"If you were, say, TBD with the level of cover you have, would you still be able to earn, say, director's fees or income from the business you've purchased into?","start":1382.0801,"end":1391.52,"sentiment":"neutral","sentiment_score":0.0976613700389862},{"text":"Do you feel like that would still be appropriate level of cover even with the tax component to it?","start":1391.52,"end":1401.735,"sentiment":"neutral","sentiment_score":-0.025136224533382216},{"text":"Yeah.","start":1403.955,"end":1404.2749,"sentiment":"neutral","sentiment_score":-0.028393998742103577},{"text":"If you claim TBD and you're under the age of 60 and you take, like, a withdrawal, if you were to withdraw the full amount out, tax is deducted at up to 22% depending on your age and state.","start":1404.2749,"end":1418.0199,"sentiment":"neutral","sentiment_score":-0.0162674345744726},{"text":"So just to kind of show you.","start":1418.48,"end":1420.6599,"sentiment":"neutral","sentiment_score":0.01865919040782111}],"sentiment":"neutral","sentiment_score":0.02000045021607851,"num_words":96,"start":1382.0801,"end":1420.6599},{"sentences":[{"text":"Let's see.","start":1421.2,"end":1421.6799,"sentiment":"neutral","sentiment_score":0.012522815726697445},{"text":"Five five eight.","start":1421.6799,"end":1423.145,"sentiment":"neutral","sentiment_score":0.0014825233568747838},{"text":"So out of the 1,300,000 at the highest tax rate of 22%, it's about $289,000 in tax.","start":1425.605,"end":1433.765,"sentiment":"neutral","sentiment_score":-0.060690089676748306},{"text":"So you'd still get over a million dollars if you drew the whole thing out, but it's just about making sure you're aware that that is a possibility.","start":1433.765,"end":1440.61,"sentiment":"neutral","sentiment_score":-0.08234361266451222},{"text":"The tax is up to 22%, and if you claim TBD, we obviously do provide advice to help minimize the tax, keep the draw out draw downs as minimum as possible if you're happy to keep it inside the super system to help minimize that.","start":1440.83,"end":1454.825,"sentiment":"neutral","sentiment_score":0.07739935045440992}],"sentiment":"neutral","sentiment_score":0.0018432767669621266,"num_words":95,"start":1421.2,"end":1454.825},{"sentences":[{"text":"And there's this a whole big math equation they use to work out the tax rate.","start":1455.445,"end":1459.445,"sentiment":"neutral","sentiment_score":0.11981292115524411},{"text":"It goes upon your age versus the age of 65, and the ACO has, like, a a tax table for that.","start":1459.445,"end":1465.785,"sentiment":"neutral","sentiment_score":0.05722757198271297},{"text":"But we're just letting you know that is the possibility if you were to claim TBD, it could be up to 22% tax if you draw on the funds, which means that you might lose about $298,000 off the amount you're covered for and just making sure that that level of cover you're covered for is still appropriate based on that.","start":1466.53,"end":1485.365,"sentiment":"neutral","sentiment_score":-0.0025316675911184216},{"text":"That's okay?","start":1487.985,"end":1488.805,"sentiment":"neutral","sentiment_score":-0.04675556160509586},{"text":"You can't.","start":1489.8251,"end":1490.545,"sentiment":"neutral","sentiment_score":-0.1290578618645668}],"sentiment":"neutral","sentiment_score":0.025614972354150285,"num_words":102,"start":1455.445,"end":1490.545},{"sentences":[{"text":"Unfortunately, you claim TBD when you're over the age of 60 or I mean, we can keep money inside super and draw money out in smaller increments.","start":1490.545,"end":1499.8099,"sentiment":"neutral","sentiment_score":-0.26379913257228005},{"text":"That way, whilst you are still paying tax on the amount, the drawdown, you're not paying a big lump sum that over time can reduce.","start":1499.87,"end":1508.05,"sentiment":"neutral","sentiment_score":-0.2940038633346558},{"text":"We can also do other things like we call them uplift where we move you from one super fund to another.","start":1508.955,"end":1514.1749,"sentiment":"neutral","sentiment_score":0.07882594423634666},{"text":"The rollover means that the new super fund redoes the math equation for you, and we can double the amount of tax free benefits there.","start":1514.315,"end":1522.1,"sentiment":"neutral","sentiment_score":0.1395822821557522},{"text":"There are things that we can definitely do to help you, but you can't avoid the tax totally.","start":1522.1,"end":1526.6799,"sentiment":"neutral","sentiment_score":0.1082434619569944}],"sentiment":"neutral","sentiment_score":-0.06361542210978424,"num_words":116,"start":1490.545,"end":1526.6799},{"sentences":[{"text":"Personal opinion, I think it's disgusting that the government charged tax on a TBD claim because you're unable to go back to work again due to permanent incapacity.","start":1527.22,"end":1535.985,"sentiment":"negative","sentiment_score":-0.6792213916778564},{"text":"It is a big thing, but I don't like they do that.","start":1535.985,"end":1539.6849,"sentiment":"neutral","sentiment_score":-0.31171132003267604},{"text":"And that is exactly correct.","start":1541.025,"end":1542.885,"sentiment":"neutral","sentiment_score":-0.07939827591180801},{"text":"That's exactly correct.","start":1544.145,"end":1547.765,"sentiment":"neutral","sentiment_score":-0.06784940759340923},{"text":"Correct.","start":1548.945,"end":1549.445,"sentiment":"neutral","sentiment_score":-0.02147522196173668}],"sentiment":"negative","sentiment_score":-0.47715815574843057,"num_words":49,"start":1527.22,"end":1549.445},{"sentences":[{"text":"The other side of it is if you were to claim on TPD and you are over the age of 60, the good news is it's completely tax free, but not many people keep TPD beyond the age of 60 because if you are unable to work.","start":1550.21,"end":1561.49,"sentiment":"neutral","sentiment_score":-0.09880516258008937},{"text":"The idea is we have a higher level of cover now when we're younger because we have more debt.","start":1561.49,"end":1566.0449,"sentiment":"neutral","sentiment_score":-0.14094993825021543},{"text":"We have a lower super balance.","start":1566.0449,"end":1567.565,"sentiment":"neutral","sentiment_score":-0.15223669384916624},{"text":"When our super balance increases very heavily, we pay out our mortgage and our debt.","start":1567.565,"end":1573.405,"sentiment":"neutral","sentiment_score":-0.17100086907545725},{"text":"We don't know we need the insurance any longer.","start":1573.405,"end":1575.485,"sentiment":"neutral","sentiment_score":-0.26640051272180343}],"sentiment":"neutral","sentiment_score":-0.1374784300181394,"num_words":96,"start":1550.21,"end":1575.485},{"sentences":[{"text":"That's kinda how that should work.","start":1575.485,"end":1577.265,"sentiment":"neutral","sentiment_score":-0.04917818556229273},{"text":"Yeah.","start":1577.405,"end":1577.905,"sentiment":"neutral","sentiment_score":0.09337737411260603},{"text":"Yep.","start":1578.2849,"end":1578.7849,"sentiment":"neutral","sentiment_score":0.14279960095882416},{"text":"Perfect.","start":1579.325,"end":1579.825,"sentiment":"positive","sentiment_score":0.426036536693573},{"text":"All good.","start":1579.965,"end":1580.7849,"sentiment":"positive","sentiment_score":0.37611114978790283}],"sentiment":"neutral","sentiment_score":0.10176060890609567,"num_words":11,"start":1575.485,"end":1580.7849},{"sentences":[{"text":"So I'll keep those levels of cover as it is there at the moment.","start":1581.1399,"end":1584.0399,"sentiment":"neutral","sentiment_score":0.11625736738954272},{"text":"You don't have any income protection or trauma.","start":1584.4199,"end":1586.9199,"sentiment":"neutral","sentiment_score":-0.14823038037866354},{"text":"Has anyone in the past gone through what those types of cover are?","start":1587.0599,"end":1590.1,"sentiment":"neutral","sentiment_score":-0.10072972797430478},{"text":"Did you wanna look at getting any additional insurances, or are you just happy with that?","start":1590.1,"end":1593.62,"sentiment":"neutral","sentiment_score":0.016069546109065413},{"text":"Sorry.","start":1593.62,"end":1594.12,"sentiment":"neutral","sentiment_score":-0.12113971263170242}],"sentiment":"neutral","sentiment_score":-0.01407217957939093,"num_words":52,"start":1581.1399,"end":1594.12},{"sentences":[{"text":"In a trauma.","start":1595.625,"end":1598.045,"sentiment":"neutral","sentiment_score":-0.07121791566411655},{"text":"Yeah.","start":1600.505,"end":1601.005,"sentiment":"neutral","sentiment_score":-0.0471540242433548},{"text":"So trauma can pay at no.","start":1603.0651,"end":1605.865,"sentiment":"neutral","sentiment_score":-0.08748589331905048},{"text":"No.","start":1605.865,"end":1606.105,"sentiment":"neutral","sentiment_score":-0.129691943526268},{"text":"It's all good.","start":1606.105,"end":1607.005,"sentiment":"neutral","sentiment_score":0.10758325705925624}],"sentiment":"neutral","sentiment_score":-0.04233323596417904,"num_words":14,"start":1595.625,"end":1607.005},{"sentences":[{"text":"Trauma can pay at a lump sum tax free benefit if you're unable to, say, diagnose with a major traumatic condition.","start":1607.0651,"end":1613.24,"sentiment":"neutral","sentiment_score":0.007589247432493028},{"text":"It doesn't matter whether you're working or not.","start":1613.24,"end":1615.5,"sentiment":"neutral","sentiment_score":-0.03503315165289678},{"text":"Trauma is an out of pocket expense.","start":1615.8,"end":1617.56,"sentiment":"negative","sentiment_score":-0.4055106980460031},{"text":"You can't hold that kind of cover inside super the way you can with your life and CBD.","start":1617.56,"end":1621.74,"sentiment":"neutral","sentiment_score":-0.19296706716219583},{"text":"Trauma pays out a benefit, say, if you're diagnosed with cancer, have a heart attack or a stroke, MS, Parkinson's, some major neurological conditions or major diagnoses.","start":1622.4401,"end":1632.435,"sentiment":"neutral","sentiment_score":-0.04510677122959384}],"sentiment":"neutral","sentiment_score":-0.09445377698248643,"num_words":81,"start":1607.0651,"end":1632.435},{"sentences":[{"text":"It can be one of the first things that is paid out for.","start":1633.535,"end":1636.515,"sentiment":"neutral","sentiment_score":-0.03270075756769914},{"text":"You can't claim trauma if, like, you break a leg or something like that.","start":1636.5751,"end":1640.02,"sentiment":"neutral","sentiment_score":-0.24435075585331237},{"text":"It's gotta be a major diagnosis.","start":1640.02,"end":1641.72,"sentiment":"neutral","sentiment_score":-0.14898809666434923},{"text":"Yeah.","start":1644.66,"end":1645.16,"sentiment":"neutral","sentiment_score":-0.037559084594249725},{"text":"It would be if you're unable to ever go back to work again, but the major thing we find with CBD is that two doctors, one being a specialist, has to sign off on a TBD claim.","start":1646.66,"end":1656.8151,"sentiment":"neutral","sentiment_score":-0.15819541687095487}],"sentiment":"neutral","sentiment_score":-0.14972871153707235,"num_words":71,"start":1633.535,"end":1656.8151},{"sentences":[{"text":"And if you're still going through treatment, if they're still trying to treat you, then you're not actually able to claim on TBD.","start":1657.1151,"end":1663.6951,"sentiment":"neutral","sentiment_score":-0.18934983954481457},{"text":"So trauma can pay out that benefit to give you a bit of time to go through recovery, seek treatment if you if it's not covered by Medicare, take time off work if you have to obviously drop hours or just pay down a mortgage or, you know, cover a certain level of cover.","start":1663.9951,"end":1680.34,"sentiment":"neutral","sentiment_score":-0.11285822065892043},{"text":"If you still can't go back to work again, the doctors go, look.","start":1681.055,"end":1683.775,"sentiment":"neutral","sentiment_score":-0.32934749584931594},{"text":"It's stage four cancer.","start":1683.775,"end":1684.895,"sentiment":"negative","sentiment_score":-0.4559987485408783},{"text":"You're not gonna work again.","start":1684.895,"end":1686.355,"sentiment":"negative","sentiment_score":-0.5289472818374634}],"sentiment":"neutral","sentiment_score":-0.19393574822731693,"num_words":99,"start":1657.1151,"end":1686.355},{"sentences":[{"text":"Stop.","start":1686.655,"end":1686.975,"sentiment":"neutral","sentiment_score":-0.19448235630989075},{"text":"You know, we're happy to sign the documents, then you can claim on TBD.","start":1686.975,"end":1690.515,"sentiment":"neutral","sentiment_score":0.12952192779630423},{"text":"But often, trauma's claimed on well well and truly before.","start":1690.815,"end":1694.4349,"sentiment":"neutral","sentiment_score":0.06465716399252415},{"text":"Yeah.","start":1700.25,"end":1700.49,"sentiment":"neutral","sentiment_score":-0.04521948844194412},{"text":"Income protection definitely would.","start":1700.49,"end":1702.5901,"sentiment":"neutral","sentiment_score":-0.1051788330078125}],"sentiment":"neutral","sentiment_score":0.05998204840968053,"num_words":30,"start":1686.655,"end":1702.5901},{"sentences":[{"text":"Yeah.","start":1704.25,"end":1704.5701,"sentiment":"neutral","sentiment_score":0.03834768757224083},{"text":"Absolutely.","start":1704.5701,"end":1705.0701,"sentiment":"neutral","sentiment_score":0.12625566124916077},{"text":"Income protection, you do have a waiting period that you have to adhere to.","start":1705.4501,"end":1709.265,"sentiment":"neutral","sentiment_score":0.007091077310698373},{"text":"Generally, the waiting period is anywhere between thirty, sixty, or ninety days depending on what you agree to.","start":1709.505,"end":1715.365,"sentiment":"neutral","sentiment_score":-0.004320305151244004},{"text":"You have to be off work for that period of time, and then, normally, the claim is paid generally thirty days after that waiting period so long as all the documents are provided nice and quickly.","start":1715.665,"end":1724.885,"sentiment":"neutral","sentiment_score":0.015102455754660897}],"sentiment":"neutral","sentiment_score":0.010425733508808273,"num_words":70,"start":1704.25,"end":1724.885},{"sentences":[{"text":"Income protection is paid for.","start":1725.52,"end":1727.28,"sentiment":"neutral","sentiment_score":0.023121919482946396},{"text":"The time of the claim allowable, you can have two years, five years, or at age 65 depending on what you've agreed to with the policy.","start":1727.28,"end":1736.1,"sentiment":"neutral","sentiment_score":0.02306521089317707},{"text":"But it does also generally claim to be for TBD as well because you are still seeking treatment, and doctors can't sign off on TBD until they confirm they're no longer seeking treatment.","start":1737.3049,"end":1748.025,"sentiment":"neutral","sentiment_score":-0.09682357220938712},{"text":"You're just never gonna get back to work again, and that is a pretty big claim for a doctor to sign off on.","start":1748.025,"end":1754.01,"sentiment":"neutral","sentiment_score":-0.22996055755926215},{"text":"Yeah.","start":1756.5499,"end":1757.0499,"sentiment":"neutral","sentiment_score":-0.010737905278801918}],"sentiment":"neutral","sentiment_score":-0.08840572194788944,"num_words":88,"start":1725.52,"end":1757.0499},{"sentences":[{"text":"Oh, absolutely.","start":1760.23,"end":1761.0499,"sentiment":"neutral","sentiment_score":0.056652285158634186},{"text":"Yeah.","start":1761.27,"end":1761.6699,"sentiment":"neutral","sentiment_score":0.056189946830272675},{"text":"Definitely.","start":1761.6699,"end":1762.1699,"sentiment":"neutral","sentiment_score":0.09346815943717957},{"text":"If you feel like that you want to look at income protection or trauma, let me know.","start":1762.39,"end":1766.805,"sentiment":"neutral","sentiment_score":-0.028778832953642395},{"text":"I can even shoot you an email after the call if you like just breaking down what they cover, some of the advantages, some of the things that you might need to consider around income protection and trauma, just so you can kind of think it through, mull it over.","start":1766.8651,"end":1779.59,"sentiment":"neutral","sentiment_score":0.03905641056597233}],"sentiment":"neutral","sentiment_score":0.024317507671428398,"num_words":71,"start":1760.23,"end":1779.59},{"sentences":[{"text":"Think about your circumstances and what would happen if you were unable to go to work, and then we can always come back to it at any point.","start":1779.59,"end":1786.7899,"sentiment":"neutral","sentiment_score":-0.018279394999678646},{"text":"Absolutely.","start":1786.7899,"end":1787.2899,"sentiment":"neutral","sentiment_score":0.106223925948143},{"text":"Okay.","start":1787.75,"end":1788.25,"sentiment":"neutral","sentiment_score":0.0959332212805748},{"text":"Yep.","start":1790.7899,"end":1791.255,"sentiment":"neutral","sentiment_score":0.0562499538064003},{"text":"Yes.","start":1793.015,"end":1793.415,"sentiment":"neutral","sentiment_score":0.06145816296339035}],"sentiment":"neutral","sentiment_score":-0.005998681124765426,"num_words":32,"start":1779.59,"end":1793.415},{"sentences":[{"text":"Fantastic.","start":1793.415,"end":1793.915,"sentiment":"positive","sentiment_score":0.45661431550979614},{"text":"Oh, fantastic.","start":1798.535,"end":1799.595,"sentiment":"positive","sentiment_score":0.8129502534866333},{"text":"As long as you got something to fall back on, if you can't work, that's a good thing.","start":1799.655,"end":1803.435,"sentiment":"positive","sentiment_score":0.5481716593106588},{"text":"And we live with the way your business is structured now with you buying and everything.","start":1803.72,"end":1807.48,"sentiment":"positive","sentiment_score":0.4818999022245407},{"text":"You'll probably also still be able to get some sort of income out of it too.","start":1807.48,"end":1810.6799,"sentiment":"positive","sentiment_score":0.4573119729757309}],"sentiment":"positive","sentiment_score":0.5089998998731937,"num_words":53,"start":1793.415,"end":1810.6799},{"sentences":[{"text":"So that can offset income protection claims.","start":1810.6799,"end":1813.82,"sentiment":"neutral","sentiment_score":0.2504997487579073},{"text":"They tend to look at whether you're able to get income, how much you've earned prior to the claim, and then work out what you're eligible for.","start":1814.28,"end":1821.135,"sentiment":"neutral","sentiment_score":0.11384192826571288},{"text":"So have a sort of think about those.","start":1821.135,"end":1822.975,"sentiment":"neutral","sentiment_score":0.044212962966412306},{"text":"But I'll add those sort of things into the email for you just so you've got some information to break down to think about so you can decide whether it's something you would like to look at or not.","start":1822.975,"end":1831.695,"sentiment":"neutral","sentiment_score":0.09109402810915923},{"text":"Okay?","start":1831.695,"end":1832.195,"sentiment":"neutral","sentiment_score":0.024667955935001373}],"sentiment":"neutral","sentiment_score":0.10680815927320864,"num_words":82,"start":1810.6799,"end":1832.195},{"sentences":[{"text":"Yeah.","start":1834.98,"end":1835.48,"sentiment":"neutral","sentiment_score":0.017927154898643494},{"text":"Absolutely.","start":1835.86,"end":1836.36,"sentiment":"neutral","sentiment_score":0.07192705571651459},{"text":"Yeah.","start":1838.1,"end":1838.6,"sentiment":"neutral","sentiment_score":0.16484448313713074},{"text":"Yeah.","start":1839.7799,"end":1839.86,"sentiment":"neutral","sentiment_score":0.10316669195890428},{"text":"Absolutely.","start":1839.86,"end":1840.36,"sentiment":"neutral","sentiment_score":0.12877723574638367}],"sentiment":"neutral","sentiment_score":0.09732852429151535,"num_words":5,"start":1834.98,"end":1840.36},{"sentences":[{"text":"Now I was having a look at your circle with the estate planning side of things.","start":1841.22,"end":1844.26,"sentiment":"neutral","sentiment_score":0.036931463168002665},{"text":"I can see you don't have a beneficiary nomination on file.","start":1844.26,"end":1847.72,"sentiment":"neutral","sentiment_score":-0.011583796617659655},{"text":"One of the big things I would like to make sure happens is that sorry.","start":1847.905,"end":1851.345,"sentiment":"neutral","sentiment_score":-0.02352840080857277},{"text":"You're right?","start":1851.345,"end":1852.085,"sentiment":"neutral","sentiment_score":-0.022164530586451292},{"text":"Yep.","start":1859.1849,"end":1859.585,"sentiment":"neutral","sentiment_score":0.033220306038856506}],"sentiment":"neutral","sentiment_score":0.002209930680692196,"num_words":45,"start":1841.22,"end":1859.585},{"sentences":[{"text":"That's okay.","start":1859.585,"end":1860.145,"sentiment":"neutral","sentiment_score":0.06477029621601105},{"text":"We'll need to.","start":1860.145,"end":1861.125,"sentiment":"neutral","sentiment_score":0.03502955287694931},{"text":"Unfortunately, we can't.","start":1863.0801,"end":1864.2001,"sentiment":"neutral","sentiment_score":-0.10414603104194005},{"text":"I do have to send the form to you to be signed.","start":1864.2001,"end":1867.0,"sentiment":"neutral","sentiment_score":-0.08280380380650361},{"text":"They have to be signed, and witness is the main thing.","start":1867.0,"end":1869.0801,"sentiment":"neutral","sentiment_score":-0.04936564476652579}],"sentiment":"neutral","sentiment_score":-0.05207988968299281,"num_words":31,"start":1859.585,"end":1869.0801},{"sentences":[{"text":"But I can get my team to prefill them for you with her information if you would like.","start":1869.0801,"end":1873.26,"sentiment":"neutral","sentiment_score":0.007427995403607686},{"text":"Yep.","start":1875.4801,"end":1875.9801,"sentiment":"neutral","sentiment_score":0.14965657889842987},{"text":"Not a problem at all.","start":1879.515,"end":1880.635,"sentiment":"neutral","sentiment_score":0.2567539632320404},{"text":"Can I just grab a couple of details?","start":1880.635,"end":1882.075,"sentiment":"neutral","sentiment_score":0.1596487918868661},{"text":"Are you happy?","start":1882.075,"end":1882.895,"sentiment":"neutral","sentiment_score":0.0901018629471461}],"sentiment":"neutral","sentiment_score":0.08898932103599821,"num_words":35,"start":1869.0801,"end":1882.895},{"sentences":[{"text":"That's okay.","start":1883.755,"end":1884.575,"sentiment":"neutral","sentiment_score":0.22568565607070923},{"text":"Would you like us to prefill her information or as much of the form as we possibly can for you to make it a little bit easier?","start":1885.1951,"end":1891.055,"sentiment":"neutral","sentiment_score":0.0661420290944753},{"text":"Yep.","start":1893.0801,"end":1893.48,"sentiment":"neutral","sentiment_score":0.29104161262512207},{"text":"Beautiful.","start":1893.48,"end":1893.9601,"sentiment":"positive","sentiment_score":0.4742333889007568},{"text":"Do you know her date of birth?","start":1893.9601,"end":1895.9,"sentiment":"neutral","sentiment_score":0.07303008916122573}],"sentiment":"neutral","sentiment_score":0.09246557166701869,"num_words":38,"start":1883.755,"end":1895.9},{"sentences":[{"text":"Of August.","start":1901.7201,"end":1902.4601,"sentiment":"neutral","sentiment_score":0.044581618160009384},{"text":"Beautiful.","start":1903.7201,"end":1904.2201,"sentiment":"positive","sentiment_score":0.45960015058517456},{"text":"Her birthday is coming up.","start":1904.4401,"end":1905.7201,"sentiment":"positive","sentiment_score":0.34522483348846433},{"text":"That is fantastic.","start":1905.7201,"end":1906.62,"sentiment":"positive","sentiment_score":0.7747017939885458},{"text":"I've got no worries.","start":1908.465,"end":1911.205,"sentiment":"neutral","sentiment_score":0.2546023204922676}],"sentiment":"positive","sentiment_score":0.37449348121881487,"num_words":15,"start":1901.7201,"end":1911.205},{"sentences":[{"text":"I hope it's correct.","start":1911.905,"end":1913.105,"sentiment":"neutral","sentiment_score":0.19717873632907867},{"text":"If you get the document and she goes, hey, my god.","start":1913.105,"end":1915.345,"sentiment":"neutral","sentiment_score":0.05003879896619103},{"text":"That's not my birthday.","start":1915.345,"end":1916.225,"sentiment":"neutral","sentiment_score":0.007512791082262993},{"text":"Please let me know straight away, and I'll have it prefixed up for you.","start":1916.225,"end":1919.285,"sentiment":"neutral","sentiment_score":0.15347692370414734},{"text":"That's okay.","start":1925.64,"end":1926.28,"sentiment":"neutral","sentiment_score":0.15963027626276016}],"sentiment":"neutral","sentiment_score":0.10963229664734432,"num_words":35,"start":1911.905,"end":1926.28},{"sentences":[{"text":"Not a problem at all.","start":1926.28,"end":1927.66,"sentiment":"neutral","sentiment_score":0.13865184932947158},{"text":"No.","start":1928.6799,"end":1929.0,"sentiment":"neutral","sentiment_score":0.12373866885900496},{"text":"You are honestly fine.","start":1929.0,"end":1930.28,"sentiment":"neutral","sentiment_score":0.2022734433412552},{"text":"No stress at all.","start":1930.28,"end":1931.66,"sentiment":"neutral","sentiment_score":0.22113367915153503},{"text":"I'll take a 100% of the benefit to be paid to her.","start":1931.7999,"end":1934.94,"sentiment":"neutral","sentiment_score":0.22264386465152106}],"sentiment":"neutral","sentiment_score":0.1993212608190683,"num_words":26,"start":1926.28,"end":1934.94},{"sentences":[{"text":"There are essentially three different types of nominations.","start":1935.355,"end":1937.9349,"sentiment":"neutral","sentiment_score":0.027592454571276903},{"text":"One of them is nonbinding where you decide who you want the money to go to if you pass away.","start":1938.235,"end":1944.075,"sentiment":"neutral","sentiment_score":0.025261048786342145},{"text":"Unfortunately, the trustee gets to make the decision, and your nomination is kept only as a guide.","start":1944.075,"end":1950.1749,"sentiment":"neutral","sentiment_score":-0.030243439161602187},{"text":"You can also have a binding nomination, which means you have to refill the format every three years, or I can pick it as a binding non matching nomination, which means we do it this time.","start":1950.6,"end":1960.7,"sentiment":"neutral","sentiment_score":0.04166848859232333},{"text":"It holds the trustee to follow your direction, and you never have to fill this format again.","start":1960.84,"end":1965.74,"sentiment":"neutral","sentiment_score":0.08073584560085745}],"sentiment":"neutral","sentiment_score":0.03147343990906161,"num_words":98,"start":1935.355,"end":1965.74},{"sentences":[{"text":"Would you like me to pick the third option?","start":1965.995,"end":1968.0951,"sentiment":"neutral","sentiment_score":0.022591283751858607},{"text":"Yep.","start":1969.035,"end":1969.535,"sentiment":"neutral","sentiment_score":0.18477481603622437},{"text":"Perfect.","start":1969.915,"end":1970.415,"sentiment":"positive","sentiment_score":0.4410798251628876},{"text":"Easy done.","start":1971.115,"end":1972.0951,"sentiment":"positive","sentiment_score":0.473435640335083},{"text":"I'll get my team to do that up and send it out for you.","start":1972.3151,"end":1975.055,"sentiment":"neutral","sentiment_score":0.30732955251421246}],"sentiment":"neutral","sentiment_score":0.22513560040129554,"num_words":27,"start":1965.995,"end":1975.055},{"sentences":[{"text":"Just the last couple of things to look at there.","start":1975.275,"end":1977.4551,"sentiment":"neutral","sentiment_score":0.00881771994754672},{"text":"At I think super, we're still looking at age 65.","start":1977.755,"end":1980.52,"sentiment":"neutral","sentiment_score":-0.004212380852550268},{"text":"Is that still your goal for accessing super?","start":1980.52,"end":1982.92,"sentiment":"neutral","sentiment_score":0.008725009858608246},{"text":"Did you wanna alter that at all?","start":1982.92,"end":1984.7,"sentiment":"neutral","sentiment_score":-0.024258058252079145},{"text":"Yep.","start":1988.12,"end":1988.62,"sentiment":"neutral","sentiment_score":0.11785466969013214}],"sentiment":"neutral","sentiment_score":0.0017750481040113503,"num_words":36,"start":1975.275,"end":1988.62},{"sentences":[{"text":"Beautiful.","start":1988.92,"end":1989.42,"sentiment":"neutral","sentiment_score":0.329123854637146},{"text":"Excellent.","start":1989.8,"end":1990.3,"sentiment":"positive","sentiment_score":0.3948729932308197},{"text":"Yeah.","start":1991.8,"end":1991.8126,"sentiment":"neutral","sentiment_score":0.1661696434020996},{"text":"Perfect.","start":1991.8126,"end":1991.8253,"sentiment":"neutral","sentiment_score":0.03865443915128708},{"text":"And your I can always go through and do a bit of a risk profile questionnaire.","start":1991.8253,"end":1992.04,"sentiment":"neutral","sentiment_score":0.09233629307709634}],"sentiment":"neutral","sentiment_score":0.12031008098274469,"num_words":20,"start":1988.92,"end":1992.04},{"sentences":[{"text":"If you Perfect.","start":1992.04,"end":1992.985,"sentiment":"neutral","sentiment_score":0.1888118013739586},{"text":"And your I can always go through and do a bit of a risk profile questionnaire if you would like to to reassess your risk profile.","start":1992.985,"end":1999.8049,"sentiment":"neutral","sentiment_score":0.1568862463419254},{"text":"But are you happy to stay in a high growth environment?","start":1999.865,"end":2002.445,"sentiment":"neutral","sentiment_score":0.12059632756493309},{"text":"Did you wanna look at maybe reducing that or reevaluate that risk profile?","start":2002.585,"end":2006.2849,"sentiment":"neutral","sentiment_score":0.04301249235868454},{"text":"Happy with that?","start":2009.34,"end":2010.3999,"sentiment":"neutral","sentiment_score":0.23800840973854065}],"sentiment":"neutral","sentiment_score":0.12937901860901288,"num_words":56,"start":1992.04,"end":2010.3999},{"sentences":[{"text":"Yep.","start":2010.46,"end":2010.96,"sentiment":"neutral","sentiment_score":0.17545422911643982},{"text":"That's absolutely fine.","start":2011.5,"end":2012.7799,"sentiment":"positive","sentiment_score":0.3395291566848755},{"text":"If anything comes up or you feel kinda concerned or nervous, please do let me know.","start":2012.7799,"end":2016.38,"sentiment":"neutral","sentiment_score":-0.015577176352962852},{"text":"It's not a problem at all.","start":2016.38,"end":2017.84,"sentiment":"neutral","sentiment_score":0.33129771798849106},{"text":"The only other thing I do have to let you know is we have sent out, as part of the review document, our ongoing service agreement.","start":2018.22,"end":2024.995,"sentiment":"neutral","sentiment_score":0.08037660285257377}],"sentiment":"neutral","sentiment_score":0.09658432422349086,"num_words":52,"start":2010.46,"end":2024.995},{"sentences":[{"text":"So, we've actually had an update to our fee structure because we've not updated our fee structure since the company opened.","start":2025.135,"end":2031.315,"sentiment":"neutral","sentiment_score":0.04548999401075499},{"text":"Essentially, moving forward, your ongoing service fee to our services remains at 1.65% until your balance hits hits 200,000.","start":2032.0149,"end":2041.9501,"sentiment":"neutral","sentiment_score":0.028504665254762297},{"text":"Once it hits 200,000, we actually have a drop in fee structure.","start":2042.41,"end":2045.85,"sentiment":"neutral","sentiment_score":0.029006325484563906},{"text":"So it goes from 1.65% to 1.375, and then once your balance is over 500,000, down to 1.10 percent.","start":2045.85,"end":2054.905,"sentiment":"neutral","sentiment_score":0.03201511110130109},{"text":"And then when it gets to a million dollars and over, it drops to 0.825%.","start":2055.125,"end":2059.605,"sentiment":"neutral","sentiment_score":-0.003885079858203729}],"sentiment":"neutral","sentiment_score":0.027848434103869422,"num_words":86,"start":2025.135,"end":2059.605},{"sentences":[{"text":"So our fee structure used to cap at $600,000.","start":2059.605,"end":2062.9648,"sentiment":"neutral","sentiment_score":-0.019091061833832},{"text":"It now doesn't cap until 2,000,000.","start":2062.9648,"end":2065.5,"sentiment":"neutral","sentiment_score":-0.011569203498462835},{"text":"However, with the ongoing tiered structure, every time you hit a new key, your ongoing service fee actually drops a little bit.","start":2065.8,"end":2074.6,"sentiment":"neutral","sentiment_score":-0.05192371550947428},{"text":"So the higher your balance goes, the lower the percentage is.","start":2074.6,"end":2079.26,"sentiment":"neutral","sentiment_score":0.12838315963745117},{"text":"It actually works out into your favor for you.","start":2079.365,"end":2081.605,"sentiment":"neutral","sentiment_score":0.2985420823097229}],"sentiment":"neutral","sentiment_score":0.04764099961571526,"num_words":57,"start":2059.605,"end":2081.605},{"sentences":[{"text":"Because your balance is still under 200,000, it's still sitting at 1.6.","start":2081.605,"end":2085.625,"sentiment":"neutral","sentiment_score":0.055668288841843605},{"text":"So 1.65% at the moment, but we'll make sure as we kind of review that each year, we give you an updated figure of how much you're expected to pay for the next year, and we'll show you that as part of your annual review document.","start":2085.6848,"end":2098.92,"sentiment":"neutral","sentiment_score":0.06579592406911694},{"text":"Do you have any questions in relation to that at all?","start":2099.14,"end":2101.88,"sentiment":"neutral","sentiment_score":0.004882684824141589},{"text":"Nope.","start":2104.42,"end":2104.74,"sentiment":"neutral","sentiment_score":-0.08773007243871689},{"text":"That's okay.","start":2104.74,"end":2105.56,"sentiment":"positive","sentiment_score":0.43148452043533325}],"sentiment":"neutral","sentiment_score":0.06282750659415291,"num_words":72,"start":2081.605,"end":2105.56},{"sentences":[{"text":"Oh, definitely give it a shot.","start":2107.9648,"end":2109.905,"sentiment":"positive","sentiment_score":0.7037478586037954},{"text":"And look, your your income has definitely increased as well, so that'll be something to definitely look at.","start":2109.9648,"end":2114.625,"sentiment":"positive","sentiment_score":0.5394615100489722},{"text":"Have a look at the annual review doc you're sorry.","start":2115.325,"end":2118.4648,"sentiment":"neutral","sentiment_score":0.019781060703098773},{"text":"Yeah.","start":2124.87,"end":2125.37,"sentiment":"neutral","sentiment_score":0.028895338997244835},{"text":"Correct.","start":2126.6301,"end":2127.1301,"sentiment":"neutral","sentiment_score":0.16353321075439453}],"sentiment":"positive","sentiment_score":0.39786204136908054,"num_words":36,"start":2107.9648,"end":2127.1301},{"sentences":[{"text":"Yeah.","start":2127.51,"end":2127.9902,"sentiment":"neutral","sentiment_score":0.09992526471614838},{"text":"Absolutely.","start":2127.9902,"end":2128.4902,"sentiment":"neutral","sentiment_score":0.1605643928050995},{"text":"No.","start":2129.75,"end":2129.9902,"sentiment":"neutral","sentiment_score":0.03151983767747879},{"text":"That's okay.","start":2129.9902,"end":2130.55,"sentiment":"neutral","sentiment_score":0.19776108860969543},{"text":"You're absolutely fine.","start":2130.55,"end":2131.83,"sentiment":"positive","sentiment_score":0.4215764304002126}],"sentiment":"neutral","sentiment_score":0.24403262045234442,"num_words":8,"start":2127.51,"end":2131.83},{"sentences":[{"text":"Feel free to have a look.","start":2131.83,"end":2132.79,"sentiment":"neutral","sentiment_score":0.2202888478835424},{"text":"I've attached the new the financial services guide for you, which outlines those sorts of things.","start":2132.79,"end":2138.175,"sentiment":"neutral","sentiment_score":0.1605208208784461},{"text":"We have also we never used to charge for additional advice outside of the super insurance side of things.","start":2138.175,"end":2144.835,"sentiment":"neutral","sentiment_score":0.05300605963719519},{"text":"The ongoing service fee does mean that any additional advice with super and or insurances is all complimentary as part of your ongoing service fee.","start":2145.135,"end":2152.61,"sentiment":"neutral","sentiment_score":0.1520597270131111},{"text":"But the it does also show that moving forward, any additional advice for services outside of super will incur a bit of a cost.","start":2152.83,"end":2159.73,"sentiment":"neutral","sentiment_score":-0.057871459517627954}],"sentiment":"neutral","sentiment_score":0.08121955001519786,"num_words":90,"start":2131.83,"end":2159.73},{"sentences":[{"text":"So that is all outlined, what the cost looks like, and how much it would be depending on what you're after.","start":2159.95,"end":2165.5151,"sentiment":"neutral","sentiment_score":0.03738820428649584},{"text":"Feel free to have a look at the ongoing service agreement.","start":2165.895,"end":2168.395,"sentiment":"neutral","sentiment_score":0.12474553287029266},{"text":"Let us know if you do happen to have any questions, and just sort of read it through with the updated details.","start":2168.5352,"end":2173.115,"sentiment":"neutral","sentiment_score":0.15032778748057105},{"text":"It's more just about with ongoing advice.","start":2173.415,"end":2176.375,"sentiment":"neutral","sentiment_score":0.055122152503047674},{"text":"We are doing a lot more advice to different areas as people wanna sort of expand, and we do have to charge those sorts of services because the when you charge advice fees inside Super, it has to meet a legislative requirement as a sole purpose test.","start":2176.375,"end":2192.51,"sentiment":"neutral","sentiment_score":0.02595008299388784}],"sentiment":"neutral","sentiment_score":0.06546364300366905,"num_words":108,"start":2159.95,"end":2192.51},{"sentences":[{"text":"So for advice outside of Super, the you can't charge inside Super for those sorts of other advice pieces.","start":2192.755,"end":2198.755,"sentiment":"neutral","sentiment_score":-0.01380345705700548},{"text":"It doesn't meet the sole purpose test, and it goes against legislative requirements.","start":2198.755,"end":2202.275,"sentiment":"neutral","sentiment_score":-0.07793305126520303},{"text":"So with changes to financial advice, advisors have had to reevaluate a lot of these sorts of things, but I have added the financial services guide there for you.","start":2202.275,"end":2211.0898,"sentiment":"neutral","sentiment_score":0.09452841360250423},{"text":"Please have a look at it.","start":2211.0898,"end":2212.05,"sentiment":"neutral","sentiment_score":0.25539793570836383},{"text":"Please let me know if there's any questions there.","start":2212.05,"end":2214.29,"sentiment":"neutral","sentiment_score":0.25656067828337353}],"sentiment":"neutral","sentiment_score":0.06983371529924243,"num_words":76,"start":2192.755,"end":2214.29},{"sentences":[{"text":"More than happy to answer it.","start":2214.29,"end":2215.99,"sentiment":"positive","sentiment_score":0.5120937501390775},{"text":"You've got the ongoing service agreement attached showing your current fee for the next twelve months there.","start":2216.21,"end":2221.005,"sentiment":"neutral","sentiment_score":0.13544961941592834},{"text":"And once you sort of had a look through it or happy to proceed, we'll get you to sign and return that back in order to, you know, proceed with seeking as our services and staying on board with the client for the next twelve months there.","start":2221.2449,"end":2231.565,"sentiment":"neutral","sentiment_score":0.1972209449778212},{"text":"Okay?","start":2231.565,"end":2232.065,"sentiment":"neutral","sentiment_score":0.11747787892818452},{"text":"Beautiful.","start":2234.9001,"end":2235.3801,"sentiment":"positive","sentiment_score":0.6952967643737793}],"sentiment":"neutral","sentiment_score":0.2146856262245112,"num_words":72,"start":2214.29,"end":2235.3801},{"sentences":[{"text":"Do you have any questions?","start":2235.3801,"end":2236.5,"sentiment":"neutral","sentiment_score":0.31651402115821836},{"text":"I'm sorry.","start":2236.5,"end":2236.9802,"sentiment":"neutral","sentiment_score":-0.07782359421253204},{"text":"I go through a lot, and I add a lot of information.","start":2236.9802,"end":2239.24,"sentiment":"neutral","sentiment_score":0.051680054205159344},{"text":"Probably a lot there.","start":2239.4602,"end":2240.74,"sentiment":"neutral","sentiment_score":0.0016648722812533379},{"text":"Do you have any questions that have come out of any of this?","start":2240.74,"end":2243.06,"sentiment":"neutral","sentiment_score":-0.03906950526512586}],"sentiment":"neutral","sentiment_score":0.04293998579184214,"num_words":36,"start":2235.3801,"end":2243.06},{"sentences":[{"text":"Sorry.","start":2243.06,"end":2243.56,"sentiment":"neutral","sentiment_score":-0.11848990619182588},{"text":"Beautiful.","start":2248.26,"end":2248.76,"sentiment":"positive","sentiment_score":0.5324380397796631},{"text":"Fantastic.","start":2250.045,"end":2250.545,"sentiment":"neutral","sentiment_score":0.28173840045928955},{"text":"Easy.","start":2252.445,"end":2252.925,"sentiment":"positive","sentiment_score":0.3375723958015442},{"text":"Not a problem at all.","start":2252.925,"end":2253.7249,"sentiment":"neutral","sentiment_score":0.32924275398254393}],"sentiment":"neutral","sentiment_score":0.29771918886237675,"num_words":9,"start":2243.06,"end":2253.7249},{"sentences":[{"text":"Look.","start":2253.7249,"end":2253.9648,"sentiment":"neutral","sentiment_score":0.3124716877937317},{"text":"What yeah.","start":2253.9648,"end":2254.285,"sentiment":"positive","sentiment_score":0.42675068974494934},{"text":"I will let you go.","start":2254.285,"end":2255.005,"sentiment":"positive","sentiment_score":0.5490090131759644},{"text":"You have a great day.","start":2255.005,"end":2256.205,"sentiment":"positive","sentiment_score":0.7571383833885192},{"text":"I thank you so much for your time, and you've got the email there ready to go for when you're able to review that one.","start":2256.205,"end":2261.7249,"sentiment":"positive","sentiment_score":0.6173085141181945}],"sentiment":"positive","sentiment_score":0.6086690237647608,"num_words":38,"start":2253.7249,"end":2261.7249},{"sentences":[{"text":"Okay?","start":2261.7249,"end":2262.2249,"sentiment":"neutral","sentiment_score":0.2415198385715485},{"text":"No worries.","start":2265.8088,"end":2266.369,"sentiment":"positive","sentiment_score":0.4409988671541214},{"text":"Have a great day.","start":2266.369,"end":2267.0889,"sentiment":"positive","sentiment_score":0.6540351361036301},{"text":"See you later.","start":2267.0889,"end":2267.9888,"sentiment":"positive","sentiment_score":0.5596301952997843},{"text":"Bye.","start":2269.8088,"end":2270.3088,"sentiment":"neutral","sentiment_score":-0.09642393887043}],"sentiment":"positive","sentiment_score":0.48382952402938495,"num_words":11,"start":2261.7249,"end":2270.3088}]}}]},{"alternatives":[{"transcript":"Speaking. Good. Thank you, Danny. Yourself? Yes. Yes. We can do that. Yeah. No worries. Luke Manning, twenty second of the fourth '80, and the word is Smith, I think. No worries. I can on a phone at the moment. Yeah. Yeah. That might be easier. Not too bad. Not too bad. I'm down in Sydney today doing a few things. Yep. No. No. No. It's still working. Just I'm handing a yeah. Handing over a project. So It's all good. Mhmm. Not really. I mean, no. I I I don't know if it's on the file there. I I did speak with purchasing a portion of a business, which has happened this year. Yeah. So there will be a little bit more cash coming in, but other than that, yeah, no. I I don't really know if there's anything else we need to discuss other than the super. Yep. Okay. So sorry. So you you aim to average 8% on a high did you say high risk investment portfolio? High growth. Sorry. Has that always been eight percent? Because I thought it was much higher than that. Uh-huh. That's what I thought. Yeah. They've performed over the last five years. Yeah. No. We we haven't changed the style of investing, have we? Like you said, there was the, sorry, I I missed the terminology there, the high growth. Was it high growth? And then that that was changed as of last year. Did it change or did I just reconfirm that that was what I wanted to be a part of? Yep. And what were the returns on it last year, percentage wise? Right. Alright. Okay. No. Yeah. Yeah. No. It's it's very comfortable having a conversation. No. I just yeah. I was just curious. Obviously, I know that the world is upside down at the moment, but 7% 7% isn't obviously something I was gonna be cheering about as a return. Like, when we talked about the initial figure that was in my super to start the year and then where it had come to and obviously just the con contributions that would have went through the year, that didn't seem like it grew very much at all. No. I'm still comfortable with that being that I'm nowhere near retirement. I'm not too stressed about it. I obviously just been querying it and pushing the envelope to get the percentages up where possible. I mean, you know, that's that's what we're aiming for. Right? You guys get a percentage out of what we make. So yeah. It's in everyone's best interest. It's in yeah. Yeah. Uh-huh. Yep. Yeah. I fully I I follow that a 100%. Yep. Just yes. 20 seven. Yep. That's fine. Yeah. We can revisit this in six months. And like I said, I'm nowhere near retirement level. So retirement age, so I'm happy to push on with this. Okay. Sure. Okay. Mhmm. Yes. Yeah. Correct. Yep. Well, I think the I think the cover there is fine. Do you do other types of insurance as well? Just life and show life and TPD? What about, sorry. Go ahead. Alright. Insurance on tools and things like that? Do you cover personal items, equipment, things like that? I don't think so. I do. Yeah. I just thought I'd ask while we're on the phone. Yeah. I've I've had yeah. I've experienced a couple of break ins on my job sites recently and have lost, you know, yeah, like, countless items. So I need a a different insurance company because they since other job sites weren't covered, so I've lost a bit of money this year in that aspect. Yeah. Yeah. Enjoys being a tradie. Anyway, I just thought I'd ask while I had you on the phone. No. No. No. No. No. I've I've reported that the police that did forensics and all that sort of thing. Detectives got involved, but I'm still out about $35. Yeah. Just piecing the tools back together over time now, and then I'll just have to change my insurance because they're job site. It doesn't cover tools. It covers tools and vehicles and my personal, you know, my property and at my my place of business, but not on job sites. So I need a portable insurance. So I just wanted to ask while we had while we're talking about expenses. That's fine. I'll just approach, yeah, I'll just approach, whoever I've got my car through or something like that. Have a chat with them. Too easy. No. The property that I have now, we own next to nothing on. And the investment property is, I mean, is a tax write off, I guess, at this stage. I just wanted to just maybe throw a couple of maybe a $100,150,000 into it just to bring it down so that we it it looks after itself a little bit better. But other than that, my wife does a pretty good job. She can look after herself, and a million bucks in her pocket would be fine to keep her moving to find a new husband. So one point five. Yep. Yep. I could give you a more accurate figure later on in the week. We've just had a bank come around and do a an evaluation on it. I think current currently, we owe about $50,000 on the property, and we've just been we're just going through the approval process of doing a renovation. Quite a quite an extensive extension. So, yeah, I'm getting a bank here a bank appraisal or bank evaluation to my broker in the next couple of days. They came out Monday to do that. But I would say it'll be around the one point five. Yeah. I'm sure the banks are gonna tell me it's worth I'm I'm sure the banks will say it's worth $7.50 or something, you know, that they always try and lowball you, but yeah. Like, going on the current market going on the current market, the house would sell for about 1.8, but the bank's probably gonna value it at 1.4, 1.5, I would say. Yep. Yeah. I think it'll be about $5.05 20 now. It's no. It's it's principal and interest, but it's still sitting around the same. I'll put as little into that as I can at the moment. Exactly. Yep. I don't know. Maybe 60 now. It's depreciated a bit, I guess. Yep. No. I'll I'll pay that in the next month. I owe, like, $900 on it. I I I just checked I just checked the account last week. I'm pretty sure I've got one more payment. Another thousand bucks a month in my pocket. I do still have a vote. I reckon 14. Yeah. Yep. Yeah. Maybe make that $12.12 or 13. Yep. Do you wanna buy either of those things? My my my children have outgrown it. It's too small for us, but yeah. Anyway, it's just sitting in my driveway in the way at the moment. It needs to go, but I don't have time to sell it. Oh. Anyway. No. Eventually or in the next couple of years, like I said, I've just come into a business. So I purchased a a portion of a business, and this is the first year that I'll be taking director's drawers. So I'm still very, very new to that and what that means for my cash flow. My primary interest at the moment is paying for this extension on my property because it's again, it's a doesn't give me any tax breaks, my own house. So I wanna pay that down a bit. And once I've got that under control, I will definitely be looking at maybe a unit or something like that in around my area. Yep. No. I will be getting advice on that. I haven't even thought that far ahead. I'm more more more focused on bringing down the debt that I'm about to jump into. I'm borrowing a bit of money to yeah. So that yeah. Working on that, and then I'll figure out what I'm gonna do. But the the idea in my head is that in the next sort of five under five years, I'll pick something else up. Yep. Mhmm. Between $2.50 and 300. So I have a I have a, like, a, yeah, I have a salary package of about, like with all the inclusions and everything, I think it's about 100 and 140 5, and then the directors the drawers are usually about 45 a quarter, 40 a quarter, something like that conservatively. So about, you know, 140 and 160, somewhere around that. If you said $2.50 to be conservative, then it'll be between $2.50, 300 before tax. No. No. Uh-huh. I don't follow. What do you mean? If I if I was if I was injured. Is that what you're saying? Yep. What is the figure that I would be drawing on? What is the overall figure? Uh-huh. Over a million bucks. Yep. It would still be. Yeah. But how do you avoid that? Yes. Why not? They text us on absolutely everything. They text us in every direction. They text your money going in. They text your money going out. They text us tax tax tax tax Everywhere, text. Yeah. Fully understand that. Yep. That makes sense. Yep. I know what what was the second one? You had the income protection. What was the other one? Trauma. What does that what does that cover? I know that should be self explanatory. Right. But wouldn't that be covered under T. V. D. Anyway? Yep. Yep. Yeah. Okay. Yeah. And with income protection, we're also come across. I mean, to play there too, wouldn't it? If you had if you had cancer and you were laid up in hospital. Yep. Twenty one days. Yep. Yep. Yep. Mhmm. Yeah. Okay. Am I able to revisit this at any stage throughout the year? Yes. Yep. Yep. Yeah. No worries. I I'd like that. Yeah. Send shoot me over an email so I can have a read through it. But at this stage, yeah, no. I'm fine. I have have income protection in that through the union. So Yes. Mhmm. Yeah. I can Yeah. It might be something I'd change to in the future. I might step out of the union or something, so it'd be it'd be good to have that information. Thank you. I think I sorry. Yeah. No. I think you did and last year, you did send me through the forms, and I forgot to fill them out, but that would be the same person. Can I just do that over the phone and and nominate Sasha? Yeah. That'd be great. If you could, yeah, send them over again, and then I'll I'll forward them back. I promise I'll actually do it. Sure. That'd be great. 08/28/1980. Thank you for reminding me. Honestly, it's either the twenty seventh or the twenty eighth. I can never remember. I'm pretty sure it's the twenty eighth. Terrible husband. Yep. Yeah. Just go with that one. Yes, please. Yes. Thank you. Mhmm. No. No. I think that's fine then. That'd be good. Yep. At this stage. Yeah. No. I'm happy where it is at the moment. Thanks. Offer our conversation. That's fine. Yep. No worries. Mhmm. Yep. Mhmm. No. That's fine. Just try and get me the 200 grand as quick as you can. Yeah. Yeah. That's the yeah. No. So that is projected, and it will vary every year depending on, obviously, returns in the company. But yeah. Yep. That's all I wanted to say. Yep. Okay. No. It's it's fine. We've we've been through this for a couple of years now. That's that's totally fine. No. I don't have any questions at this stage. Thank you. Okay. No. No worries at all. Thanks for the call. You too. Bye bye. 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Good. Thank you, Danny. Yourself? Yes.\n\nYes. We can do that. Yeah. No worries. Luke Manning, twenty second of the fourth '80, and the word is Smith, I think.\n\nNo worries. I can on a phone at the moment. Yeah. Yeah. That might be easier.\n\nNot too bad. Not too bad. I'm down in Sydney today doing a few things. Yep. No.\n\nNo. No. It's still working. Just I'm handing a yeah. Handing over a project.\n\nSo It's all good. Mhmm. Not really. I mean, no. I I I don't know if it's on the file there.\n\nI I did speak with purchasing a portion of a business, which has happened this year. Yeah. So there will be a little bit more cash coming in, but other than that, yeah, no. I I don't really know if there's anything else we need to discuss other than the super. Yep.\n\nOkay. So sorry. So you you aim to average 8% on a high did you say high risk investment portfolio? High growth. Sorry.\n\nHas that always been eight percent? Because I thought it was much higher than that. Uh-huh. That's what I thought. Yeah.\n\nThey've performed over the last five years. Yeah. No. We we haven't changed the style of investing, have we? Like you said, there was the, sorry, I I missed the terminology there, the high growth.\n\nWas it high growth? And then that that was changed as of last year. Did it change or did I just reconfirm that that was what I wanted to be a part of? Yep. And what were the returns on it last year, percentage wise?\n\nRight. Alright. Okay. No. Yeah.\n\nYeah. No. It's it's very comfortable having a conversation. No. I just yeah.\n\nI was just curious. Obviously, I know that the world is upside down at the moment, but 7% 7% isn't obviously something I was gonna be cheering about as a return. Like, when we talked about the initial figure that was in my super to start the year and then where it had come to and obviously just the con contributions that would have went through the year, that didn't seem like it grew very much at all. No. I'm still comfortable with that being that I'm nowhere near retirement.\n\nI'm not too stressed about it. I obviously just been querying it and pushing the envelope to get the percentages up where possible. I mean, you know, that's that's what we're aiming for. Right? You guys get a percentage out of what we make.\n\nSo yeah. It's in everyone's best interest. It's in yeah. Yeah. Uh-huh.\n\nYep. Yeah. I fully I I follow that a 100%. Yep. Just yes.\n\n20 seven. Yep. That's fine. Yeah. We can revisit this in six months.\n\nAnd like I said, I'm nowhere near retirement level. So retirement age, so I'm happy to push on with this. Okay. Sure. Okay.\n\nMhmm. Yes. Yeah. Correct. Yep.\n\nWell, I think the I think the cover there is fine. Do you do other types of insurance as well? Just life and show life and TPD? What about, sorry. Go ahead.\n\nAlright. Insurance on tools and things like that? Do you cover personal items, equipment, things like that? I don't think so. I do.\n\nYeah. I just thought I'd ask while we're on the phone. Yeah. I've I've had yeah. I've experienced a couple of break ins on my job sites recently and have lost, you know, yeah, like, countless items.\n\nSo I need a a different insurance company because they since other job sites weren't covered, so I've lost a bit of money this year in that aspect. Yeah. Yeah. Enjoys being a tradie. Anyway, I just thought I'd ask while I had you on the phone.\n\nNo. No. No. No. No.\n\nI've I've reported that the police that did forensics and all that sort of thing. Detectives got involved, but I'm still out about $35. Yeah. Just piecing the tools back together over time now, and then I'll just have to change my insurance because they're job site. It doesn't cover tools.\n\nIt covers tools and vehicles and my personal, you know, my property and at my my place of business, but not on job sites. So I need a portable insurance. So I just wanted to ask while we had while we're talking about expenses. That's fine. I'll just approach, yeah, I'll just approach, whoever I've got my car through or something like that.\n\nHave a chat with them. Too easy. No. The property that I have now, we own next to nothing on. And the investment property is, I mean, is a tax write off, I guess, at this stage.\n\nI just wanted to just maybe throw a couple of maybe a $100,150,000 into it just to bring it down so that we it it looks after itself a little bit better. But other than that, my wife does a pretty good job. She can look after herself, and a million bucks in her pocket would be fine to keep her moving to find a new husband. So one point five. Yep.\n\nYep. I could give you a more accurate figure later on in the week. We've just had a bank come around and do a an evaluation on it. I think current currently, we owe about $50,000 on the property, and we've just been we're just going through the approval process of doing a renovation. Quite a quite an extensive extension.\n\nSo, yeah, I'm getting a bank here a bank appraisal or bank evaluation to my broker in the next couple of days. They came out Monday to do that. But I would say it'll be around the one point five. Yeah. I'm sure the banks are gonna tell me it's worth I'm I'm sure the banks will say it's worth $7.50 or something, you know, that they always try and lowball you, but yeah.\n\nLike, going on the current market going on the current market, the house would sell for about 1.8, but the bank's probably gonna value it at 1.4, 1.5, I would say. Yep. Yeah. I think it'll be about $5.05 20 now. It's no.\n\nIt's it's principal and interest, but it's still sitting around the same. I'll put as little into that as I can at the moment. Exactly. Yep. I don't know.\n\nMaybe 60 now. It's depreciated a bit, I guess. Yep. No. I'll I'll pay that in the next month.\n\nI owe, like, $900 on it. I I I just checked I just checked the account last week. I'm pretty sure I've got one more payment. Another thousand bucks a month in my pocket. I do still have a vote.\n\nI reckon 14. Yeah. Yep. Yeah. Maybe make that $12.12 or 13.\n\nYep. Do you wanna buy either of those things? My my my children have outgrown it. It's too small for us, but yeah. Anyway, it's just sitting in my driveway in the way at the moment.\n\nIt needs to go, but I don't have time to sell it. Oh. Anyway. No. Eventually or in the next couple of years, like I said, I've just come into a business.\n\nSo I purchased a a portion of a business, and this is the first year that I'll be taking director's drawers. So I'm still very, very new to that and what that means for my cash flow. My primary interest at the moment is paying for this extension on my property because it's again, it's a doesn't give me any tax breaks, my own house. So I wanna pay that down a bit. And once I've got that under control, I will definitely be looking at maybe a unit or something like that in around my area.\n\nYep. No. I will be getting advice on that. I haven't even thought that far ahead. I'm more more more focused on bringing down the debt that I'm about to jump into.\n\nI'm borrowing a bit of money to yeah. So that yeah. Working on that, and then I'll figure out what I'm gonna do. But the the idea in my head is that in the next sort of five under five years, I'll pick something else up. Yep.\n\nMhmm. Between $2.50 and 300. So I have a I have a, like, a, yeah, I have a salary package of about, like with all the inclusions and everything, I think it's about 100 and 140 5, and then the directors the drawers are usually about 45 a quarter, 40 a quarter, something like that conservatively. So about, you know, 140 and 160, somewhere around that. If you said $2.50 to be conservative, then it'll be between $2.50, 300 before tax.\n\nNo. No. Uh-huh. I don't follow. What do you mean?\n\nIf I if I was if I was injured. Is that what you're saying? Yep. What is the figure that I would be drawing on? What is the overall figure?\n\nUh-huh. Over a million bucks. Yep. It would still be. Yeah.\n\nBut how do you avoid that? Yes. Why not? They text us on absolutely everything. They text us in every direction.\n\nThey text your money going in. They text your money going out. They text us tax tax tax tax Everywhere, text. Yeah. Fully understand that.\n\nYep. That makes sense. Yep. I know what what was the second one? You had the income protection.\n\nWhat was the other one? Trauma. What does that what does that cover? I know that should be self explanatory. Right.\n\nBut wouldn't that be covered under T. V. D. Anyway? Yep.\n\nYep. Yeah. Okay. Yeah. And with income protection, we're also come across.\n\nI mean, to play there too, wouldn't it? If you had if you had cancer and you were laid up in hospital. Yep. Twenty one days. Yep.\n\nYep. Yep. Mhmm. Yeah. Okay.\n\nAm I able to revisit this at any stage throughout the year? Yes. Yep. Yep. Yeah.\n\nNo worries. I I'd like that. Yeah. Send shoot me over an email so I can have a read through it. But at this stage, yeah, no.\n\nI'm fine. I have have income protection in that through the union. So Yes. Mhmm. Yeah.\n\nI can Yeah. It might be something I'd change to in the future. I might step out of the union or something, so it'd be it'd be good to have that information. Thank you. I think I sorry.\n\nYeah. No. I think you did and last year, you did send me through the forms, and I forgot to fill them out, but that would be the same person. Can I just do that over the phone and and nominate Sasha? Yeah.\n\nThat'd be great. If you could, yeah, send them over again, and then I'll I'll forward them back. I promise I'll actually do it. Sure. That'd be great.\n\n08/28/1980. Thank you for reminding me. Honestly, it's either the twenty seventh or the twenty eighth. I can never remember. I'm pretty sure it's the twenty eighth.\n\nTerrible husband. Yep. Yeah. Just go with that one. Yes, please.\n\nYes. Thank you. Mhmm. No. No.\n\nI think that's fine then. That'd be good. Yep. At this stage. Yeah.\n\nNo. I'm happy where it is at the moment. Thanks. Offer our conversation. That's fine.\n\nYep. No worries. Mhmm. Yep. Mhmm.\n\nNo. That's fine. Just try and get me the 200 grand as quick as you can. Yeah. Yeah.\n\nThat's the yeah. No. So that is projected, and it will vary every year depending on, obviously, returns in the company. But yeah. Yep.\n\nThat's all I wanted to say. Yep. Okay. No. It's it's fine.\n\nWe've we've been through this for a couple of years now. That's that's totally fine. No. I don't have any questions at this stage. Thank you.\n\nOkay. No. No worries at all. Thanks for the call. You too.\n\nBye bye. Bye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.037567637860774994},{"text":"Good.","start":5.3599997,"end":5.6,"sentiment":"positive","sentiment_score":0.5418462753295898},{"text":"Thank you, Danny.","start":5.6,"end":6.24,"sentiment":"positive","sentiment_score":0.5163636406262716},{"text":"Yourself?","start":6.24,"end":6.74,"sentiment":"positive","sentiment_score":0.34323009848594666},{"text":"Yes.","start":14.16,"end":14.535,"sentiment":"neutral","sentiment_score":0.20739580690860748}],"sentiment":"positive","sentiment_score":0.38273296292339054,"num_words":7,"start":0.32,"end":14.535},{"sentences":[{"text":"Yes.","start":14.535,"end":14.934999,"sentiment":"neutral","sentiment_score":0.26811155676841736},{"text":"We can do that.","start":14.934999,"end":23.675,"sentiment":"positive","sentiment_score":0.4156462922692299},{"text":"Yeah.","start":25.735,"end":26.055,"sentiment":"neutral","sentiment_score":0.119329035282135},{"text":"No worries.","start":26.055,"end":26.715,"sentiment":"neutral","sentiment_score":0.19024839997291565},{"text":"Luke Manning, twenty second of the fourth '80, and the word is Smith, I think.","start":35.16,"end":39.58,"sentiment":"neutral","sentiment_score":0.058528797576824824}],"sentiment":"neutral","sentiment_score":0.14384584890111632,"num_words":23,"start":14.535,"end":39.58},{"sentences":[{"text":"No worries.","start":50.524998,"end":51.184998,"sentiment":"neutral","sentiment_score":0.09675028175115585},{"text":"I can on a phone at the moment.","start":61.51,"end":64.869995,"sentiment":"neutral","sentiment_score":0.020384544041007757},{"text":"Yeah.","start":64.869995,"end":65.369995,"sentiment":"neutral","sentiment_score":0.03656605631113053},{"text":"Yeah.","start":72.975,"end":73.215004,"sentiment":"neutral","sentiment_score":0.06142616271972656},{"text":"That might be easier.","start":73.215004,"end":74.275,"sentiment":"neutral","sentiment_score":0.0794915109872818}],"sentiment":"neutral","sentiment_score":0.04828344867564738,"num_words":16,"start":50.524998,"end":74.275},{"sentences":[{"text":"Not too bad.","start":79.375,"end":80.175,"sentiment":"neutral","sentiment_score":0.09729430576165517},{"text":"Not too bad.","start":80.175,"end":80.735,"sentiment":"neutral","sentiment_score":0.09089105824629466},{"text":"I'm down in Sydney today doing a few things.","start":80.735,"end":83.075,"sentiment":"neutral","sentiment_score":0.10129194209973018},{"text":"Yep.","start":84.415,"end":84.75,"sentiment":"neutral","sentiment_score":0.05045688152313232},{"text":"No.","start":87.31,"end":87.55,"sentiment":"neutral","sentiment_score":-0.03191103786230087}],"sentiment":"neutral","sentiment_score":0.08792525968130897,"num_words":17,"start":79.375,"end":87.55},{"sentences":[{"text":"No.","start":87.55,"end":87.71,"sentiment":"neutral","sentiment_score":-0.035488661378622055},{"text":"No.","start":87.71,"end":87.95,"sentiment":"neutral","sentiment_score":-0.033683888614177704},{"text":"It's still working.","start":87.95,"end":88.59,"sentiment":"neutral","sentiment_score":0.014736427615086237},{"text":"Just I'm handing a yeah.","start":88.59,"end":90.67,"sentiment":"neutral","sentiment_score":0.031083793938159944},{"text":"Handing over a project.","start":90.67,"end":91.79,"sentiment":"neutral","sentiment_score":0.07334396243095398}],"sentiment":"neutral","sentiment_score":0.030273682304791043,"num_words":14,"start":87.55,"end":91.79},{"sentences":[{"text":"So It's all good.","start":91.79,"end":94.21,"sentiment":"neutral","sentiment_score":0.29786739870905876},{"text":"Mhmm.","start":98.11,"end":98.475,"sentiment":"neutral","sentiment_score":0.00377931515686214},{"text":"Not really.","start":109.755,"end":110.575,"sentiment":"neutral","sentiment_score":-0.059053078293800354},{"text":"I mean, no.","start":110.715,"end":115.96,"sentiment":"neutral","sentiment_score":-0.06513259684046109},{"text":"I I I don't know if it's on the file there.","start":115.96,"end":118.94,"sentiment":"neutral","sentiment_score":-0.057772023433988746}],"sentiment":"neutral","sentiment_score":0.011726319290963667,"num_words":21,"start":91.79,"end":118.94},{"sentences":[{"text":"I I did speak with purchasing a portion of a business, which has happened this year.","start":119.4,"end":125.625,"sentiment":"neutral","sentiment_score":0.007638712937477976},{"text":"Yeah.","start":127.865,"end":128.185,"sentiment":"neutral","sentiment_score":0.11552271246910097},{"text":"So there will be a little bit more cash coming in, but other than that, yeah, no.","start":128.185,"end":133.625,"sentiment":"neutral","sentiment_score":0.07820149795974002},{"text":"I I don't really know if there's anything else we need to discuss other than the super.","start":133.625,"end":138.205,"sentiment":"neutral","sentiment_score":0.003431868082021966},{"text":"Yep.","start":143.70999,"end":144.20999,"sentiment":"neutral","sentiment_score":0.10731171071529388}],"sentiment":"neutral","sentiment_score":0.033323481786423005,"num_words":52,"start":119.4,"end":144.20999},{"sentences":[{"text":"Okay.","start":212.45499,"end":212.935,"sentiment":"neutral","sentiment_score":0.0006049918010830879},{"text":"So sorry.","start":212.935,"end":213.73499,"sentiment":"neutral","sentiment_score":-0.027287031523883343},{"text":"So you you aim to average 8% on a high did you say high risk investment portfolio?","start":213.73499,"end":219.515,"sentiment":"neutral","sentiment_score":0.06563613070722889},{"text":"High growth.","start":222.295,"end":222.935,"sentiment":"neutral","sentiment_score":0.16991223394870758},{"text":"Sorry.","start":222.935,"end":223.38,"sentiment":"neutral","sentiment_score":4.798173904418945e-6}],"sentiment":"neutral","sentiment_score":0.06094236594989248,"num_words":23,"start":212.45499,"end":223.38},{"sentences":[{"text":"Has that always been eight percent?","start":224.66,"end":226.1,"sentiment":"neutral","sentiment_score":0.09120084221164386},{"text":"Because I thought it was much higher than that.","start":226.1,"end":228.76001,"sentiment":"neutral","sentiment_score":0.158795654359791},{"text":"Uh-huh.","start":232.5,"end":233.0,"sentiment":"neutral","sentiment_score":0.11653096973896028},{"text":"That's what I thought.","start":235.94,"end":236.74,"sentiment":"neutral","sentiment_score":0.18378468602895737},{"text":"Yeah.","start":236.74,"end":237.075,"sentiment":"neutral","sentiment_score":0.12911167740821838}],"sentiment":"neutral","sentiment_score":0.14081653970338048,"num_words":21,"start":224.66,"end":237.075},{"sentences":[{"text":"They've performed over the last five years.","start":280.38998,"end":282.07,"sentiment":"neutral","sentiment_score":0.0701368616095611},{"text":"Yeah.","start":282.07,"end":282.57,"sentiment":"neutral","sentiment_score":0.19360482692718503},{"text":"No.","start":350.255,"end":350.755,"sentiment":"neutral","sentiment_score":-0.09878981113433838},{"text":"We we haven't changed the style of investing, have we?","start":350.975,"end":356.095,"sentiment":"neutral","sentiment_score":-0.13100123256444932},{"text":"Like you said, there was the, sorry, I I missed the terminology there, the high growth.","start":356.095,"end":361.51,"sentiment":"neutral","sentiment_score":-0.126377149252221}],"sentiment":"neutral","sentiment_score":-0.07846496190343584,"num_words":35,"start":280.38998,"end":361.51},{"sentences":[{"text":"Was it high growth?","start":361.51,"end":362.39,"sentiment":"neutral","sentiment_score":-0.05357896350324154},{"text":"And then that that was changed as of last year.","start":362.39,"end":365.83002,"sentiment":"neutral","sentiment_score":-0.06374551653862},{"text":"Did it change or did I just reconfirm that that was what I wanted to be a part of?","start":365.83002,"end":369.855,"sentiment":"neutral","sentiment_score":-0.025389624759554863},{"text":"Yep.","start":398.19,"end":398.69,"sentiment":"neutral","sentiment_score":-0.0056133149191737175},{"text":"And what were the returns on it last year, percentage wise?","start":400.31497,"end":403.69498,"sentiment":"neutral","sentiment_score":0.02571269361810251}],"sentiment":"neutral","sentiment_score":-0.023487723887794548,"num_words":45,"start":361.51,"end":403.69498},{"sentences":[{"text":"Right.","start":424.82,"end":425.32,"sentiment":"neutral","sentiment_score":0.1457630842924118},{"text":"Alright.","start":484.485,"end":484.985,"sentiment":"neutral","sentiment_score":0.011343225836753843},{"text":"Okay.","start":503.73,"end":504.23,"sentiment":"neutral","sentiment_score":0.11941508948802948},{"text":"No.","start":511.17,"end":511.49,"sentiment":"neutral","sentiment_score":-0.018743904307484627},{"text":"Yeah.","start":511.49,"end":511.73,"sentiment":"neutral","sentiment_score":0.022590814158320427}],"sentiment":"neutral","sentiment_score":0.056073661893606186,"num_words":5,"start":424.82,"end":511.73},{"sentences":[{"text":"Yeah.","start":511.73,"end":511.97,"sentiment":"neutral","sentiment_score":0.028569955378770828},{"text":"No.","start":511.97,"end":512.47,"sentiment":"neutral","sentiment_score":-0.001927964389324188},{"text":"It's it's very comfortable having a conversation.","start":512.69,"end":515.785,"sentiment":"neutral","sentiment_score":0.21940609174115316},{"text":"No.","start":515.925,"end":516.165,"sentiment":"neutral","sentiment_score":-0.03455130010843277},{"text":"I just yeah.","start":516.165,"end":517.285,"sentiment":"neutral","sentiment_score":-0.020060957099000614}],"sentiment":"neutral","sentiment_score":0.1129038816747757,"num_words":13,"start":511.73,"end":517.285},{"sentences":[{"text":"I was just curious.","start":517.285,"end":518.26495,"sentiment":"neutral","sentiment_score":0.03631903696805239},{"text":"Obviously, I know that the world is upside down at the moment, but 7% 7% isn't obviously something I was gonna be cheering about as a return.","start":518.32495,"end":528.67,"sentiment":"neutral","sentiment_score":-0.08665230773665288},{"text":"Like, when we talked about the initial figure that was in my super to start the year and then where it had come to and obviously just the con contributions that would have went through the year, that didn't seem like it grew very much at all.","start":528.73,"end":540.845,"sentiment":"neutral","sentiment_score":-0.14244214041118927},{"text":"No.","start":580.91,"end":581.14996,"sentiment":"negative","sentiment_score":-0.36874404549598694},{"text":"I'm still comfortable with that being that I'm nowhere near retirement.","start":581.14996,"end":584.69,"sentiment":"neutral","sentiment_score":-0.2533696842464534}],"sentiment":"neutral","sentiment_score":-0.13383252591722541,"num_words":90,"start":517.285,"end":584.69},{"sentences":[{"text":"I'm not too stressed about it.","start":584.75,"end":586.19,"sentiment":"neutral","sentiment_score":-0.021629332564771175},{"text":"I obviously just been querying it and pushing the envelope to get the percentages up where possible.","start":586.19,"end":591.87,"sentiment":"neutral","sentiment_score":0.11133253103231683},{"text":"I mean, you know, that's that's what we're aiming for.","start":591.87,"end":594.59503,"sentiment":"neutral","sentiment_score":0.2468797445297241},{"text":"Right?","start":594.59503,"end":594.835,"sentiment":"neutral","sentiment_score":0.16603434085845947},{"text":"You guys get a percentage out of what we make.","start":594.835,"end":597.015,"sentiment":"neutral","sentiment_score":0.14380693286657334}],"sentiment":"neutral","sentiment_score":0.13263132152232257,"num_words":44,"start":584.75,"end":597.015},{"sentences":[{"text":"So yeah.","start":597.235,"end":599.175,"sentiment":"neutral","sentiment_score":0.1347503513097763},{"text":"It's in everyone's best interest.","start":599.555,"end":601.255,"sentiment":"neutral","sentiment_score":0.18160029947757722},{"text":"It's in yeah.","start":602.755,"end":603.735,"sentiment":"neutral","sentiment_score":0.20500531295935312},{"text":"Yeah.","start":603.79504,"end":604.29504,"sentiment":"neutral","sentiment_score":0.11598218977451324},{"text":"Uh-huh.","start":657.255,"end":657.755,"sentiment":"neutral","sentiment_score":0.07430928200483322}],"sentiment":"neutral","sentiment_score":0.16523413422207037,"num_words":12,"start":597.235,"end":657.755},{"sentences":[{"text":"Yep.","start":660.53503,"end":661.03503,"sentiment":"neutral","sentiment_score":-0.03906841576099396},{"text":"Yeah.","start":667.00995,"end":667.32996,"sentiment":"neutral","sentiment_score":0.08045400679111481},{"text":"I fully I I follow that a 100%.","start":667.32996,"end":669.67,"sentiment":"neutral","sentiment_score":0.15127854607999325},{"text":"Yep.","start":671.41,"end":671.91,"sentiment":"neutral","sentiment_score":0.3317716121673584},{"text":"Just yes.","start":729.98,"end":730.54,"sentiment":"neutral","sentiment_score":-0.009963713586330414}],"sentiment":"neutral","sentiment_score":0.1202660111280588,"num_words":13,"start":660.53503,"end":730.54},{"sentences":[{"text":"20 seven.","start":730.54,"end":731.36,"sentiment":"neutral","sentiment_score":-0.001421503722667694},{"text":"Yep.","start":745.005,"end":745.505,"sentiment":"neutral","sentiment_score":0.0349583737552166},{"text":"That's fine.","start":754.14,"end":754.7,"sentiment":"neutral","sentiment_score":0.11937541887164116},{"text":"Yeah.","start":754.7,"end":754.86,"sentiment":"neutral","sentiment_score":0.13887560367584229},{"text":"We can revisit this in six months.","start":754.86,"end":756.46,"sentiment":"neutral","sentiment_score":0.09885913985116142}],"sentiment":"neutral","sentiment_score":0.08475044512977967,"num_words":13,"start":730.54,"end":756.46},{"sentences":[{"text":"And like I said, I'm nowhere near retirement level.","start":756.46,"end":758.46,"sentiment":"neutral","sentiment_score":0.07296814314193195},{"text":"So retirement age, so I'm happy to push on with this.","start":758.46,"end":761.685,"sentiment":"neutral","sentiment_score":0.2914755134419961},{"text":"Okay.","start":763.605,"end":764.105,"sentiment":"neutral","sentiment_score":0.23212629556655884},{"text":"Sure.","start":764.245,"end":764.745,"sentiment":"neutral","sentiment_score":0.29239922761917114},{"text":"Okay.","start":776.91,"end":777.41,"sentiment":"positive","sentiment_score":0.3455949127674103}],"sentiment":"neutral","sentiment_score":0.20578540748228197,"num_words":23,"start":756.46,"end":777.41},{"sentences":[{"text":"Mhmm.","start":786.83,"end":787.275,"sentiment":"neutral","sentiment_score":0.027604632079601288},{"text":"Yes.","start":818.875,"end":819.375,"sentiment":"neutral","sentiment_score":0.044542647898197174},{"text":"Yeah.","start":820.635,"end":821.135,"sentiment":"neutral","sentiment_score":0.07731923460960388},{"text":"Correct.","start":821.515,"end":821.995,"sentiment":"neutral","sentiment_score":0.14402392506599426},{"text":"Yep.","start":821.995,"end":822.495,"sentiment":"neutral","sentiment_score":0.13506071269512177}],"sentiment":"neutral","sentiment_score":0.08571023046970368,"num_words":5,"start":786.83,"end":822.495},{"sentences":[{"text":"Well, I think the I think the cover there is fine.","start":831.08997,"end":834.70996,"sentiment":"neutral","sentiment_score":0.1082175455310128},{"text":"Do you do other types of insurance as well?","start":835.01,"end":837.19,"sentiment":"neutral","sentiment_score":0.02405070389310519},{"text":"Just life and show life and TPD?","start":838.13,"end":839.67,"sentiment":"neutral","sentiment_score":0.045803937528814585},{"text":"What about, sorry.","start":840.37,"end":842.685,"sentiment":"neutral","sentiment_score":-0.053377496699492134},{"text":"Go ahead.","start":842.685,"end":846.785,"sentiment":"neutral","sentiment_score":-0.003913380205631256}],"sentiment":"neutral","sentiment_score":0.04873492650222033,"num_words":32,"start":831.08997,"end":846.785},{"sentences":[{"text":"Alright.","start":853.725,"end":854.13,"sentiment":"neutral","sentiment_score":0.003698000218719244},{"text":"Insurance on tools and things like that?","start":857.73,"end":859.57,"sentiment":"neutral","sentiment_score":-0.024189597527895654},{"text":"Do you cover personal items, equipment, things like that?","start":859.57,"end":862.71,"sentiment":"neutral","sentiment_score":-0.04513982579939895},{"text":"I don't think so.","start":865.49,"end":866.445,"sentiment":"neutral","sentiment_score":-0.15089210867881775},{"text":"I do.","start":873.805,"end":874.365,"sentiment":"neutral","sentiment_score":0.005579431541264057}],"sentiment":"neutral","sentiment_score":-0.050621616795821035,"num_words":23,"start":853.725,"end":874.365},{"sentences":[{"text":"Yeah.","start":874.365,"end":874.685,"sentiment":"neutral","sentiment_score":0.0396764799952507},{"text":"I just thought I'd ask while we're on the phone.","start":874.685,"end":876.865,"sentiment":"neutral","sentiment_score":0.014669401757419109},{"text":"Yeah.","start":882.14996,"end":882.38995,"sentiment":"neutral","sentiment_score":0.24777132272720337},{"text":"I've I've had yeah.","start":882.38995,"end":883.67,"sentiment":"neutral","sentiment_score":0.08156165992841125},{"text":"I've experienced a couple of break ins on my job sites recently and have lost, you know, yeah, like, countless items.","start":883.67,"end":890.17,"sentiment":"neutral","sentiment_score":-0.20306590270428432}],"sentiment":"neutral","sentiment_score":-0.09470258099404541,"num_words":37,"start":874.365,"end":890.17},{"sentences":[{"text":"So I need a a different insurance company because they since other job sites weren't covered, so I've lost a bit of money this year in that aspect.","start":890.38995,"end":898.00494,"sentiment":"neutral","sentiment_score":-0.28211612360818045},{"text":"Yeah.","start":900.94495,"end":901.345,"sentiment":"neutral","sentiment_score":-0.16616594791412354},{"text":"Yeah.","start":901.345,"end":901.58496,"sentiment":"neutral","sentiment_score":-0.04565747082233429},{"text":"Enjoys being a tradie.","start":901.58496,"end":902.88495,"sentiment":"neutral","sentiment_score":-0.023820148780941963},{"text":"Anyway, I just thought I'd ask while I had you on the phone.","start":903.185,"end":905.76495,"sentiment":"neutral","sentiment_score":-0.042600037243503794}],"sentiment":"neutral","sentiment_score":-0.18638629700116655,"num_words":47,"start":890.38995,"end":905.76495},{"sentences":[{"text":"No.","start":912.79,"end":912.94995,"sentiment":"neutral","sentiment_score":-0.1665615439414978},{"text":"No.","start":912.94995,"end":913.19,"sentiment":"neutral","sentiment_score":-0.16937291622161865},{"text":"No.","start":913.19,"end":913.35,"sentiment":"neutral","sentiment_score":-0.17420288920402527},{"text":"No.","start":913.35,"end":913.50995,"sentiment":"neutral","sentiment_score":-0.17192432284355164},{"text":"No.","start":913.50995,"end":913.67,"sentiment":"neutral","sentiment_score":-0.1639711558818817}],"sentiment":"neutral","sentiment_score":-0.16920656561851502,"num_words":5,"start":912.79,"end":913.67},{"sentences":[{"text":"I've I've reported that the police that did forensics and all that sort of thing.","start":913.67,"end":917.50995,"sentiment":"neutral","sentiment_score":-0.26274556716283165},{"text":"Detectives got involved, but I'm still out about $35.","start":917.50995,"end":920.49,"sentiment":"neutral","sentiment_score":-0.25899222162034774},{"text":"Yeah.","start":925.78503,"end":926.10504,"sentiment":"neutral","sentiment_score":-0.157892107963562},{"text":"Just piecing the tools back together over time now, and then I'll just have to change my insurance because they're job site.","start":926.10504,"end":931.625,"sentiment":"neutral","sentiment_score":-0.175259203734723},{"text":"It doesn't cover tools.","start":931.625,"end":932.505,"sentiment":"neutral","sentiment_score":-0.131399093195796}],"sentiment":"neutral","sentiment_score":-0.21198636205757365,"num_words":51,"start":913.67,"end":932.505},{"sentences":[{"text":"It covers tools and vehicles and my personal, you know, my property and at my my place of business, but not on job sites.","start":932.505,"end":941.68,"sentiment":"neutral","sentiment_score":-0.0629914051387459},{"text":"So I need a portable insurance.","start":941.68,"end":943.27997,"sentiment":"neutral","sentiment_score":-0.06510474532842636},{"text":"So I just wanted to ask while we had while we're talking about expenses.","start":943.27997,"end":945.86,"sentiment":"neutral","sentiment_score":-0.01775323719318424},{"text":"That's fine.","start":946.24,"end":946.72,"sentiment":"neutral","sentiment_score":0.09057679027318954},{"text":"I'll just approach, yeah, I'll just approach, whoever I've got my car through or something like that.","start":946.72,"end":953.025,"sentiment":"neutral","sentiment_score":0.04585871407214333}],"sentiment":"neutral","sentiment_score":-0.01889231422590831,"num_words":63,"start":932.505,"end":953.025},{"sentences":[{"text":"Have a chat with them.","start":953.10504,"end":954.22504,"sentiment":"neutral","sentiment_score":0.06108996346592903},{"text":"Too easy.","start":954.22504,"end":954.965,"sentiment":"neutral","sentiment_score":0.14652851223945618},{"text":"No.","start":978.57,"end":978.89,"sentiment":"neutral","sentiment_score":-0.1268969476222992},{"text":"The property that I have now, we own next to nothing on.","start":978.89,"end":981.465,"sentiment":"neutral","sentiment_score":-0.1598329171538353},{"text":"And the investment property is, I mean, is a tax write off, I guess, at this stage.","start":982.10504,"end":986.34503,"sentiment":"neutral","sentiment_score":-0.08521225522546207}],"sentiment":"neutral","sentiment_score":-0.07824306622953028,"num_words":37,"start":953.10504,"end":986.34503},{"sentences":[{"text":"I just wanted to just maybe throw a couple of maybe a $100,150,000 into it just to bring it down so that we it it looks after itself a little bit better.","start":986.34503,"end":995.625,"sentiment":"neutral","sentiment_score":-0.06724884838331491},{"text":"But other than that, my wife does a pretty good job.","start":995.625,"end":998.75995,"sentiment":"neutral","sentiment_score":0.32686940648339013},{"text":"She can look after herself, and a million bucks in her pocket would be fine to keep her moving to find a new husband.","start":998.75995,"end":1004.38,"sentiment":"neutral","sentiment_score":0.24963022923717895},{"text":"So one point five.","start":1010.36,"end":1011.525,"sentiment":"neutral","sentiment_score":0.05179665703326464},{"text":"Yep.","start":1019.84503,"end":1020.34503,"sentiment":"neutral","sentiment_score":0.06477188318967819}],"sentiment":"neutral","sentiment_score":0.10703728244536453,"num_words":72,"start":986.34503,"end":1020.34503},{"sentences":[{"text":"Yep.","start":1025.765,"end":1026.265,"sentiment":"neutral","sentiment_score":0.011490861885249616},{"text":"I could give you a more accurate figure later on in the week.","start":1028.66,"end":1031.14,"sentiment":"neutral","sentiment_score":-0.0008049273433593604},{"text":"We've just had a bank come around and do a an evaluation on it.","start":1031.14,"end":1035.32,"sentiment":"neutral","sentiment_score":0.006895700336566993},{"text":"I think current currently, we owe about $50,000 on the property, and we've just been we're just going through the approval process of doing a renovation.","start":1035.9401,"end":1044.295,"sentiment":"neutral","sentiment_score":-0.026941444151676618},{"text":"Quite a quite an extensive extension.","start":1044.995,"end":1047.415,"sentiment":"neutral","sentiment_score":-0.01903337084998687}],"sentiment":"neutral","sentiment_score":-0.011951852698499958,"num_words":60,"start":1025.765,"end":1047.415},{"sentences":[{"text":"So, yeah, I'm getting a bank here a bank appraisal or bank evaluation to my broker in the next couple of days.","start":1049.555,"end":1057.26,"sentiment":"neutral","sentiment_score":0.03354698529636318},{"text":"They came out Monday to do that.","start":1057.3201,"end":1059.1001,"sentiment":"neutral","sentiment_score":0.07571296500308174},{"text":"But I would say it'll be around the one point five.","start":1059.4,"end":1061.98,"sentiment":"neutral","sentiment_score":0.15113818624310874},{"text":"Yeah.","start":1068.6951,"end":1069.1951,"sentiment":"neutral","sentiment_score":0.1707143783569336},{"text":"I'm sure the banks are gonna tell me it's worth I'm I'm sure the banks will say it's worth $7.50 or something, you know, that they always try and lowball you, but yeah.","start":1069.3351,"end":1076.775,"sentiment":"neutral","sentiment_score":0.03520377194791129}],"sentiment":"neutral","sentiment_score":0.05760788287640222,"num_words":74,"start":1049.555,"end":1076.775},{"sentences":[{"text":"Like, going on the current market going on the current market, the house would sell for about 1.8, but the bank's probably gonna value it at 1.4, 1.5, I would say.","start":1076.775,"end":1086.36,"sentiment":"neutral","sentiment_score":0.0022378056159903926},{"text":"Yep.","start":1088.58,"end":1089.08,"sentiment":"neutral","sentiment_score":0.007411367725580931},{"text":"Yeah.","start":1094.135,"end":1094.455,"sentiment":"neutral","sentiment_score":0.00760758388787508},{"text":"I think it'll be about $5.05 20 now.","start":1094.455,"end":1096.795,"sentiment":"neutral","sentiment_score":0.006717469252180308},{"text":"It's no.","start":1106.46,"end":1107.5,"sentiment":"neutral","sentiment_score":-0.00438518263399601}],"sentiment":"neutral","sentiment_score":0.003008379406014154,"num_words":43,"start":1076.775,"end":1107.5},{"sentences":[{"text":"It's it's principal and interest, but it's still sitting around the same.","start":1107.5,"end":1111.84,"sentiment":"neutral","sentiment_score":-0.006306125782430172},{"text":"I'll put as little into that as I can at the moment.","start":1115.4199,"end":1117.84,"sentiment":"neutral","sentiment_score":0.140127116193374},{"text":"Exactly.","start":1124.455,"end":1124.955,"sentiment":"neutral","sentiment_score":0.08153963088989258},{"text":"Yep.","start":1125.895,"end":1126.395,"sentiment":"neutral","sentiment_score":0.045115794986486435},{"text":"I don't know.","start":1134.4,"end":1134.8,"sentiment":"neutral","sentiment_score":-0.046873461455106735}],"sentiment":"neutral","sentiment_score":0.0548926526359443,"num_words":29,"start":1107.5,"end":1134.8},{"sentences":[{"text":"Maybe 60 now.","start":1134.8,"end":1135.76,"sentiment":"neutral","sentiment_score":-0.04091589835782846},{"text":"It's depreciated a bit, I guess.","start":1135.76,"end":1138.8201,"sentiment":"neutral","sentiment_score":-0.024952691048383713},{"text":"Yep.","start":1140.0,"end":1140.5,"sentiment":"neutral","sentiment_score":0.0264708511531353},{"text":"No.","start":1146.375,"end":1146.615,"sentiment":"neutral","sentiment_score":-0.10072121024131776},{"text":"I'll I'll pay that in the next month.","start":1146.615,"end":1148.455,"sentiment":"neutral","sentiment_score":-0.07348389271646738}],"sentiment":"neutral","sentiment_score":-0.04918870222019522,"num_words":19,"start":1134.8,"end":1148.455},{"sentences":[{"text":"I owe, like, $900 on it.","start":1148.455,"end":1150.555,"sentiment":"neutral","sentiment_score":-0.07430354195336501},{"text":"I I I just checked I just checked the account last week.","start":1152.135,"end":1155.495,"sentiment":"neutral","sentiment_score":0.17454619519412518},{"text":"I'm pretty sure I've got one more payment.","start":1155.495,"end":1157.275,"sentiment":"neutral","sentiment_score":0.16414702497422695},{"text":"Another thousand bucks a month in my pocket.","start":1161.91,"end":1164.01,"sentiment":"neutral","sentiment_score":0.17046377807855606},{"text":"I do still have a vote.","start":1169.75,"end":1171.45,"sentiment":"neutral","sentiment_score":0.10732185592254002}],"sentiment":"neutral","sentiment_score":0.12423876626417041,"num_words":40,"start":1148.455,"end":1171.45},{"sentences":[{"text":"I reckon 14.","start":1178.135,"end":1179.9951,"sentiment":"neutral","sentiment_score":0.009938826784491539},{"text":"Yeah.","start":1181.895,"end":1182.395,"sentiment":"neutral","sentiment_score":0.04425516352057457},{"text":"Yep.","start":1183.0951,"end":1183.5951,"sentiment":"neutral","sentiment_score":0.19551953673362732},{"text":"Yeah.","start":1187.9751,"end":1188.375,"sentiment":"neutral","sentiment_score":0.021125366911292076},{"text":"Maybe make that $12.12 or 13.","start":1188.375,"end":1191.47,"sentiment":"neutral","sentiment_score":0.017734370039155085}],"sentiment":"neutral","sentiment_score":0.03309356397949159,"num_words":12,"start":1178.135,"end":1191.47},{"sentences":[{"text":"Yep.","start":1193.29,"end":1193.79,"sentiment":"neutral","sentiment_score":0.24142137169837952},{"text":"Do you wanna buy either of those things?","start":1194.73,"end":1196.51,"sentiment":"neutral","sentiment_score":0.07234201021492481},{"text":"My my my children have outgrown it.","start":1204.4249,"end":1206.505,"sentiment":"neutral","sentiment_score":-0.18272410333156586},{"text":"It's too small for us, but yeah.","start":1206.505,"end":1208.585,"sentiment":"neutral","sentiment_score":-0.22817288658448628},{"text":"Anyway, it's just sitting in my driveway in the way at the moment.","start":1208.585,"end":1211.225,"sentiment":"neutral","sentiment_score":-0.05132694628376227}],"sentiment":"neutral","sentiment_score":-0.07564921604676379,"num_words":36,"start":1193.29,"end":1211.225},{"sentences":[{"text":"It needs to go, but I don't have time to sell it.","start":1211.225,"end":1213.485,"sentiment":"neutral","sentiment_score":-0.19275406002998352},{"text":"Oh.","start":1214.265,"end":1214.585,"sentiment":"neutral","sentiment_score":-0.048621464520692825},{"text":"Anyway.","start":1214.585,"end":1215.085,"sentiment":"neutral","sentiment_score":0.10059113800525664},{"text":"No.","start":1226.7899,"end":1227.2899,"sentiment":"neutral","sentiment_score":-0.08987778425216675},{"text":"Eventually or in the next couple of years, like I said, I've just come into a business.","start":1227.83,"end":1232.39,"sentiment":"neutral","sentiment_score":-0.05685051267637926}],"sentiment":"neutral","sentiment_score":-0.1036692358320579,"num_words":32,"start":1211.225,"end":1232.39},{"sentences":[{"text":"So I purchased a a portion of a business, and this is the first year that I'll be taking director's drawers.","start":1232.39,"end":1238.9451,"sentiment":"neutral","sentiment_score":0.04125183581241539},{"text":"So I'm still very, very new to that and what that means for my cash flow.","start":1239.0851,"end":1243.425,"sentiment":"neutral","sentiment_score":-0.03597512422129512},{"text":"My primary interest at the moment is paying for this extension on my property because it's again, it's a doesn't give me any tax breaks, my own house.","start":1245.7251,"end":1256.74,"sentiment":"neutral","sentiment_score":0.08957787975668907},{"text":"So I wanna pay that down a bit.","start":1256.74,"end":1258.52,"sentiment":"neutral","sentiment_score":0.1361195696517825},{"text":"And once I've got that under control, I will definitely be looking at maybe a unit or something like that in around my area.","start":1259.3,"end":1265.6951,"sentiment":"neutral","sentiment_score":0.19541960582137108}],"sentiment":"neutral","sentiment_score":0.08843189994468517,"num_words":97,"start":1232.39,"end":1265.6951},{"sentences":[{"text":"Yep.","start":1267.675,"end":1268.175,"sentiment":"neutral","sentiment_score":0.02848854474723339},{"text":"No.","start":1274.395,"end":1274.555,"sentiment":"negative","sentiment_score":-0.3716583847999573},{"text":"I will be getting advice on that.","start":1274.555,"end":1275.915,"sentiment":"neutral","sentiment_score":-0.32187314118657795},{"text":"I haven't even thought that far ahead.","start":1275.915,"end":1277.855,"sentiment":"neutral","sentiment_score":-0.2925244016306741},{"text":"I'm more more more focused on bringing down the debt that I'm about to jump into.","start":1278.0751,"end":1282.3899,"sentiment":"neutral","sentiment_score":-0.16002994030714035}],"sentiment":"neutral","sentiment_score":-0.22513849014649168,"num_words":32,"start":1267.675,"end":1282.3899},{"sentences":[{"text":"I'm borrowing a bit of money to yeah.","start":1284.21,"end":1286.61,"sentiment":"neutral","sentiment_score":-0.012265169993042946},{"text":"So that yeah.","start":1286.61,"end":1287.5099,"sentiment":"neutral","sentiment_score":0.038525267193714775},{"text":"Working on that, and then I'll figure out what I'm gonna do.","start":1287.73,"end":1290.61,"sentiment":"neutral","sentiment_score":0.051139116597672306},{"text":"But the the idea in my head is that in the next sort of five under five years, I'll pick something else up.","start":1290.61,"end":1296.265,"sentiment":"neutral","sentiment_score":0.01045394931798396},{"text":"Yep.","start":1298.7251,"end":1299.2251,"sentiment":"positive","sentiment_score":0.35271477699279785}],"sentiment":"neutral","sentiment_score":0.02604849898117654,"num_words":47,"start":1284.21,"end":1299.2251},{"sentences":[{"text":"Mhmm.","start":1306.13,"end":1306.63,"sentiment":"neutral","sentiment_score":0.017078658565878868},{"text":"Between $2.50 and 300.","start":1311.97,"end":1313.83,"sentiment":"neutral","sentiment_score":0.0171108590438962},{"text":"So I have a I have a, like, a, yeah, I have a salary package of about, like with all the inclusions and everything, I think it's about 100 and 140 5, and then the directors the drawers are usually about 45 a quarter, 40 a quarter, something like that conservatively.","start":1317.33,"end":1334.0701,"sentiment":"neutral","sentiment_score":0.14143553675681936},{"text":"So about, you know, 140 and 160, somewhere around that.","start":1334.2101,"end":1337.01,"sentiment":"neutral","sentiment_score":0.07507056407630444},{"text":"If you said $2.50 to be conservative, then it'll be between $2.50, 300 before tax.","start":1337.01,"end":1342.87,"sentiment":"neutral","sentiment_score":0.04947789683938027}],"sentiment":"neutral","sentiment_score":0.10853837731719752,"num_words":81,"start":1306.13,"end":1342.87},{"sentences":[{"text":"No.","start":1351.785,"end":1351.9451,"sentiment":"neutral","sentiment_score":-0.10166870057582857},{"text":"No.","start":1351.9451,"end":1352.4451,"sentiment":"neutral","sentiment_score":-0.10118399560451508},{"text":"Uh-huh.","start":1371.61,"end":1372.11,"sentiment":"neutral","sentiment_score":-0.04628719016909599},{"text":"I don't follow.","start":1398.2101,"end":1398.93,"sentiment":"negative","sentiment_score":-0.40883398056030273},{"text":"What do you mean?","start":1398.93,"end":1399.49,"sentiment":"neutral","sentiment_score":-0.09034460410475731}],"sentiment":"neutral","sentiment_score":-0.18370202444493772,"num_words":10,"start":1351.785,"end":1399.49},{"sentences":[{"text":"If I if I was if I was injured.","start":1399.49,"end":1402.2101,"sentiment":"neutral","sentiment_score":-0.16962053875128427},{"text":"Is that what you're saying?","start":1402.2101,"end":1403.1901,"sentiment":"neutral","sentiment_score":-0.13996107131242752},{"text":"Yep.","start":1408.895,"end":1409.395,"sentiment":"neutral","sentiment_score":0.007982446812093258},{"text":"What is the figure that I would be drawing on?","start":1420.9801,"end":1423.38,"sentiment":"neutral","sentiment_score":0.0044157511554658415},{"text":"What is the overall figure?","start":1423.38,"end":1424.76,"sentiment":"neutral","sentiment_score":-0.00811315719038248}],"sentiment":"neutral","sentiment_score":-0.07382720109696189,"num_words":30,"start":1399.49,"end":1424.76},{"sentences":[{"text":"Uh-huh.","start":1434.375,"end":1434.875,"sentiment":"neutral","sentiment_score":-0.07855751365423203},{"text":"Over a million bucks.","start":1435.335,"end":1436.635,"sentiment":"neutral","sentiment_score":-0.08925551362335682},{"text":"Yep.","start":1437.815,"end":1438.315,"sentiment":"neutral","sentiment_score":-0.0106268972158432},{"text":"It would still be.","start":1485.74,"end":1486.86,"sentiment":"neutral","sentiment_score":-0.08678397536277771},{"text":"Yeah.","start":1486.86,"end":1487.18,"sentiment":"neutral","sentiment_score":-0.022089123725891113}],"sentiment":"neutral","sentiment_score":-0.07413013550368222,"num_words":11,"start":1434.375,"end":1487.18},{"sentences":[{"text":"But how do you avoid that?","start":1487.18,"end":1488.64,"sentiment":"neutral","sentiment_score":-0.0385360394914945},{"text":"Yes.","start":1508.81,"end":1509.31,"sentiment":"neutral","sentiment_score":0.020803598687052727},{"text":"Why not?","start":1537.61,"end":1538.01,"sentiment":"neutral","sentiment_score":-0.17262770235538483},{"text":"They text us on absolutely everything.","start":1538.01,"end":1540.27,"sentiment":"neutral","sentiment_score":-0.2925482938687007},{"text":"They text us in every direction.","start":1540.97,"end":1542.83,"sentiment":"neutral","sentiment_score":-0.11431069547931354}],"sentiment":"neutral","sentiment_score":-0.14270580852670328,"num_words":21,"start":1487.18,"end":1542.83},{"sentences":[{"text":"They text your money going in.","start":1543.45,"end":1544.65,"sentiment":"neutral","sentiment_score":-0.05529743619263172},{"text":"They text your money going out.","start":1544.65,"end":1545.9299,"sentiment":"neutral","sentiment_score":-0.11046000942587852},{"text":"They text us tax tax tax tax Everywhere, text.","start":1545.9299,"end":1556.1426,"sentiment":"neutral","sentiment_score":-0.05529162142839697},{"text":"Yeah.","start":1576.1901,"end":1576.27,"sentiment":"neutral","sentiment_score":-0.002507580444216728},{"text":"Fully understand that.","start":1576.27,"end":1577.31,"sentiment":"neutral","sentiment_score":0.04673881580432256}],"sentiment":"neutral","sentiment_score":-0.05417841598391533,"num_words":25,"start":1543.45,"end":1577.31},{"sentences":[{"text":"Yep.","start":1577.31,"end":1577.63,"sentiment":"neutral","sentiment_score":0.05241236090660095},{"text":"That makes sense.","start":1577.63,"end":1578.285,"sentiment":"neutral","sentiment_score":0.13049064576625824},{"text":"Yep.","start":1590.2051,"end":1590.7051,"sentiment":"neutral","sentiment_score":-0.030963925644755363},{"text":"I know what what was the second one?","start":1591.405,"end":1593.9,"sentiment":"neutral","sentiment_score":0.02845021989196539},{"text":"You had the income protection.","start":1594.4401,"end":1595.48,"sentiment":"neutral","sentiment_score":-0.09562186747789383}],"sentiment":"neutral","sentiment_score":0.009022933017048571,"num_words":18,"start":1577.31,"end":1595.48},{"sentences":[{"text":"What was the other one?","start":1595.48,"end":1596.54,"sentiment":"neutral","sentiment_score":-0.04748381227254868},{"text":"Trauma.","start":1599.0,"end":1599.5,"sentiment":"neutral","sentiment_score":-0.10611701011657716},{"text":"What does that what does that cover?","start":1600.6001,"end":1602.38,"sentiment":"neutral","sentiment_score":-0.06302320903965405},{"text":"I know that should be self explanatory.","start":1602.8401,"end":1604.54,"sentiment":"neutral","sentiment_score":-0.051893736368843486},{"text":"Right.","start":1642.735,"end":1643.215,"sentiment":"neutral","sentiment_score":-0.03849237412214279}],"sentiment":"neutral","sentiment_score":-0.056497479212426004,"num_words":21,"start":1595.48,"end":1643.215},{"sentences":[{"text":"But wouldn't that be covered under T.","start":1643.215,"end":1644.575,"sentiment":"neutral","sentiment_score":-0.07746941915580205},{"text":"V.","start":1644.575,"end":1644.735,"sentiment":"neutral","sentiment_score":-0.07839694619178772},{"text":"D.","start":1644.735,"end":1644.8949,"sentiment":"neutral","sentiment_score":-0.02881496027112007},{"text":"Anyway?","start":1644.8949,"end":1645.3949,"sentiment":"neutral","sentiment_score":-0.042917221784591675},{"text":"Yep.","start":1657.2301,"end":1657.7301,"sentiment":"neutral","sentiment_score":-0.11011650413274764}],"sentiment":"neutral","sentiment_score":-0.07295741513371468,"num_words":11,"start":1643.215,"end":1657.7301},{"sentences":[{"text":"Yep.","start":1681.09,"end":1681.59,"sentiment":"neutral","sentiment_score":-0.17325809597969055},{"text":"Yeah.","start":1691.565,"end":1691.885,"sentiment":"neutral","sentiment_score":-0.03154313564300537},{"text":"Okay.","start":1691.885,"end":1692.385,"sentiment":"neutral","sentiment_score":0.018688010051846504},{"text":"Yeah.","start":1694.845,"end":1695.165,"sentiment":"neutral","sentiment_score":0.040993206202983856},{"text":"And with income protection, we're also come across.","start":1695.165,"end":1697.665,"sentiment":"neutral","sentiment_score":-0.040784882847219706}],"sentiment":"neutral","sentiment_score":-0.03928325651213527,"num_words":12,"start":1681.09,"end":1697.665},{"sentences":[{"text":"I mean, to play there too, wouldn't it?","start":1697.885,"end":1699.745,"sentiment":"neutral","sentiment_score":-0.030109823448583484},{"text":"If you had if you had cancer and you were laid up in hospital.","start":1700.365,"end":1703.265,"sentiment":"neutral","sentiment_score":-0.10680304733770234},{"text":"Yep.","start":1709.88,"end":1710.38,"sentiment":"neutral","sentiment_score":0.009677261114120483},{"text":"Twenty one days.","start":1710.6,"end":1711.6599,"sentiment":"neutral","sentiment_score":-0.003983822340766589},{"text":"Yep.","start":1715.7999,"end":1716.2999,"sentiment":"neutral","sentiment_score":-0.03178250044584274}],"sentiment":"neutral","sentiment_score":-0.0655621465433527,"num_words":27,"start":1697.885,"end":1716.2999},{"sentences":[{"text":"Yep.","start":1725.425,"end":1725.925,"sentiment":"neutral","sentiment_score":0.032958440482616425},{"text":"Yep.","start":1736.88,"end":1737.38,"sentiment":"neutral","sentiment_score":0.004921420477330685},{"text":"Mhmm.","start":1745.8551,"end":1746.3551,"sentiment":"neutral","sentiment_score":-0.07023446261882782},{"text":"Yeah.","start":1754.735,"end":1754.9751,"sentiment":"neutral","sentiment_score":-0.019198045134544373},{"text":"Okay.","start":1754.9751,"end":1755.4751,"sentiment":"neutral","sentiment_score":-0.011723430827260016}],"sentiment":"neutral","sentiment_score":-0.01265521552413702,"num_words":5,"start":1725.425,"end":1755.4751},{"sentences":[{"text":"Am I able to revisit this at any stage throughout the year?","start":1756.5751,"end":1759.32,"sentiment":"neutral","sentiment_score":0.01427086116746068},{"text":"Yes.","start":1761.96,"end":1762.46,"sentiment":"neutral","sentiment_score":0.06823047995567322},{"text":"Yep.","start":1783.215,"end":1783.715,"sentiment":"neutral","sentiment_score":-0.03242955356836319},{"text":"Yep.","start":1784.335,"end":1784.835,"sentiment":"neutral","sentiment_score":0.009115721099078655},{"text":"Yeah.","start":1788.0,"end":1788.3201,"sentiment":"neutral","sentiment_score":0.1087830513715744}],"sentiment":"neutral","sentiment_score":0.020309377054218203,"num_words":16,"start":1756.5751,"end":1788.3201},{"sentences":[{"text":"No worries.","start":1788.3201,"end":1788.7201,"sentiment":"neutral","sentiment_score":0.13653764873743057},{"text":"I I'd like that.","start":1788.7201,"end":1789.6001,"sentiment":"neutral","sentiment_score":0.08698888681828976},{"text":"Yeah.","start":1789.6001,"end":1789.76,"sentiment":"neutral","sentiment_score":0.09920094907283784},{"text":"Send shoot me over an email so I can have a read through it.","start":1789.76,"end":1792.4,"sentiment":"neutral","sentiment_score":0.08364324644207954},{"text":"But at this stage, yeah, no.","start":1792.4,"end":1793.6001,"sentiment":"neutral","sentiment_score":0.029858010355383158}],"sentiment":"neutral","sentiment_score":0.07668093726452854,"num_words":27,"start":1788.3201,"end":1793.6001},{"sentences":[{"text":"I'm fine.","start":1793.6001,"end":1793.92,"sentiment":"neutral","sentiment_score":0.23591240867972374},{"text":"I have have income protection in that through the union.","start":1793.92,"end":1797.6001,"sentiment":"neutral","sentiment_score":0.1466328553855419},{"text":"So Yes.","start":1797.6001,"end":1804.405,"sentiment":"positive","sentiment_score":0.47663766145706177},{"text":"Mhmm.","start":1819.48,"end":1819.98,"sentiment":"neutral","sentiment_score":0.071160688996315},{"text":"Yeah.","start":1822.12,"end":1822.4401,"sentiment":"neutral","sentiment_score":0.07374724745750427}],"sentiment":"neutral","sentiment_score":0.1897710394114256,"num_words":16,"start":1793.6001,"end":1822.4401},{"sentences":[{"text":"I can Yeah.","start":1822.4401,"end":1831.775,"sentiment":"neutral","sentiment_score":0.04838050653537115},{"text":"It might be something I'd change to in the future.","start":1831.775,"end":1834.035,"sentiment":"neutral","sentiment_score":0.023853864707052707},{"text":"I might step out of the union or something, so it'd be it'd be good to have that information.","start":1834.095,"end":1838.415,"sentiment":"neutral","sentiment_score":0.061181772304208654},{"text":"Thank you.","start":1838.415,"end":1839.075,"sentiment":"neutral","sentiment_score":0.2841794639825821},{"text":"I think I sorry.","start":1848.7899,"end":1852.09,"sentiment":"neutral","sentiment_score":-0.018314220942556858}],"sentiment":"neutral","sentiment_score":0.05371673380661952,"num_words":38,"start":1822.4401,"end":1852.09},{"sentences":[{"text":"Yeah.","start":1852.15,"end":1852.47,"sentiment":"neutral","sentiment_score":-0.011554570868611336},{"text":"No.","start":1852.47,"end":1852.71,"sentiment":"neutral","sentiment_score":-0.048156626522541046},{"text":"I think you did and last year, you did send me through the forms, and I forgot to fill them out, but that would be the same person.","start":1852.71,"end":1858.135,"sentiment":"neutral","sentiment_score":-0.04388758673199585},{"text":"Can I just do that over the phone and and nominate Sasha?","start":1859.155,"end":1861.975,"sentiment":"neutral","sentiment_score":0.032221662191053234},{"text":"Yeah.","start":1873.3201,"end":1873.64,"sentiment":"neutral","sentiment_score":0.1435886025428772}],"sentiment":"neutral","sentiment_score":-0.017635234350035358,"num_words":43,"start":1852.15,"end":1873.64},{"sentences":[{"text":"That'd be great.","start":1873.64,"end":1874.28,"sentiment":"neutral","sentiment_score":0.31789953509966534},{"text":"If you could, yeah, send them over again, and then I'll I'll forward them back.","start":1874.28,"end":1878.54,"sentiment":"neutral","sentiment_score":0.17298024197419484},{"text":"I promise I'll actually do it.","start":1880.84,"end":1882.62,"sentiment":"neutral","sentiment_score":0.1269989050924778},{"text":"Sure.","start":1891.4551,"end":1891.855,"sentiment":"neutral","sentiment_score":0.32802480459213257},{"text":"That'd be great.","start":1891.855,"end":1892.755,"sentiment":"positive","sentiment_score":0.6164652705192566}],"sentiment":"neutral","sentiment_score":0.23170772434345313,"num_words":28,"start":1873.64,"end":1892.755},{"sentences":[{"text":"08/28/1980.","start":1897.6799,"end":1902.1,"sentiment":"neutral","sentiment_score":0.017836807295680046},{"text":"Thank you for reminding me.","start":1907.2,"end":1908.82,"sentiment":"positive","sentiment_score":0.6774580836296081},{"text":"Honestly, it's either the twenty seventh or the twenty eighth.","start":1918.9451,"end":1921.665,"sentiment":"neutral","sentiment_score":0.010287967789918185},{"text":"I can never remember.","start":1921.665,"end":1922.785,"sentiment":"neutral","sentiment_score":-0.010655262041836977},{"text":"I'm pretty sure it's the twenty eighth.","start":1922.785,"end":1924.5651,"sentiment":"neutral","sentiment_score":0.036662520308579714}],"sentiment":"neutral","sentiment_score":0.13785272212354122,"num_words":27,"start":1897.6799,"end":1924.5651},{"sentences":[{"text":"Terrible husband.","start":1926.305,"end":1927.285,"sentiment":"neutral","sentiment_score":0.15364572405815125},{"text":"Yep.","start":1935.01,"end":1935.51,"sentiment":"neutral","sentiment_score":0.08910434693098068},{"text":"Yeah.","start":1966.0099,"end":1966.33,"sentiment":"neutral","sentiment_score":0.034629613161087036},{"text":"Just go with that one.","start":1966.33,"end":1967.45,"sentiment":"neutral","sentiment_score":0.028505603969097137},{"text":"Yes, please.","start":1967.45,"end":1968.075,"sentiment":"neutral","sentiment_score":0.027659622952342033}],"sentiment":"neutral","sentiment_score":0.05717024308714,"num_words":11,"start":1926.305,"end":1968.075},{"sentences":[{"text":"Yes.","start":1968.635,"end":1968.955,"sentiment":"neutral","sentiment_score":0.08230354636907578},{"text":"Thank you.","start":1968.955,"end":1969.695,"sentiment":"neutral","sentiment_score":0.24521410465240479},{"text":"Mhmm.","start":1975.595,"end":1976.095,"sentiment":"neutral","sentiment_score":0.01898733153939247},{"text":"No.","start":1984.99,"end":1985.3099,"sentiment":"neutral","sentiment_score":-0.07234431058168411},{"text":"No.","start":1985.3099,"end":1985.5499,"sentiment":"neutral","sentiment_score":-0.06497594714164734}],"sentiment":"neutral","sentiment_score":0.0757331382483244,"num_words":6,"start":1968.635,"end":1985.5499},{"sentences":[{"text":"I think that's fine then.","start":1985.5499,"end":1987.1699,"sentiment":"neutral","sentiment_score":-0.019121998548507692},{"text":"That'd be good.","start":1987.71,"end":1988.5299,"sentiment":"neutral","sentiment_score":0.23965359727541605},{"text":"Yep.","start":1989.07,"end":1989.47,"sentiment":"neutral","sentiment_score":0.14869610965251925},{"text":"At this stage.","start":1989.47,"end":1990.19,"sentiment":"neutral","sentiment_score":0.2805962562561035},{"text":"Yeah.","start":1990.19,"end":1990.69,"sentiment":"neutral","sentiment_score":0.14217913150787354}],"sentiment":"neutral","sentiment_score":0.13507806223172408,"num_words":13,"start":1985.5499,"end":1990.69},{"sentences":[{"text":"No.","start":2006.765,"end":2007.005,"sentiment":"neutral","sentiment_score":-0.2303863763809204},{"text":"I'm happy where it is at the moment.","start":2007.005,"end":2008.445,"sentiment":"neutral","sentiment_score":-0.22457508742809296},{"text":"Thanks.","start":2008.445,"end":2008.6849,"sentiment":"positive","sentiment_score":0.3631687760353088},{"text":"Offer our conversation.","start":2008.6849,"end":2009.585,"sentiment":"neutral","sentiment_score":0.17454693218072256},{"text":"That's fine.","start":2009.645,"end":2010.385,"sentiment":"neutral","sentiment_score":0.24064555764198303}],"sentiment":"neutral","sentiment_score":-0.04392575919628143,"num_words":15,"start":2006.765,"end":2010.385},{"sentences":[{"text":"Yep.","start":2018.24,"end":2018.64,"sentiment":"neutral","sentiment_score":0.10801687091588974},{"text":"No worries.","start":2018.64,"end":2019.38,"sentiment":"neutral","sentiment_score":0.07699528336524963},{"text":"Mhmm.","start":2039.505,"end":2040.005,"sentiment":"neutral","sentiment_score":0.023649070411920547},{"text":"Yep.","start":2075.72,"end":2076.22,"sentiment":"neutral","sentiment_score":0.11042487621307372},{"text":"Mhmm.","start":2091.945,"end":2092.445,"sentiment":"neutral","sentiment_score":0.05603652447462082}],"sentiment":"neutral","sentiment_score":0.07535298479100068,"num_words":6,"start":2018.24,"end":2092.445},{"sentences":[{"text":"No.","start":2102.0,"end":2102.24,"sentiment":"neutral","sentiment_score":-0.07984340190887451},{"text":"That's fine.","start":2102.24,"end":2103.14,"sentiment":"neutral","sentiment_score":-0.022717555984854698},{"text":"Just try and get me the 200 grand as quick as you can.","start":2103.84,"end":2106.74,"sentiment":"neutral","sentiment_score":0.3300236280147846},{"text":"Yeah.","start":2110.16,"end":2110.66,"sentiment":"positive","sentiment_score":0.43178534507751465},{"text":"Yeah.","start":2115.2449,"end":2115.4048,"sentiment":"neutral","sentiment_score":0.09724920988082886}],"sentiment":"neutral","sentiment_score":0.2607812891817755,"num_words":18,"start":2102.0,"end":2115.4048},{"sentences":[{"text":"That's the yeah.","start":2115.4048,"end":2119.1648,"sentiment":"neutral","sentiment_score":0.021510286256670952},{"text":"No.","start":2119.1648,"end":2119.565,"sentiment":"neutral","sentiment_score":-0.12376832216978072},{"text":"So that is projected, and it will vary every year depending on, obviously, returns in the company.","start":2119.565,"end":2125.005,"sentiment":"neutral","sentiment_score":-0.07979096318869029},{"text":"But yeah.","start":2125.005,"end":2125.7449,"sentiment":"neutral","sentiment_score":0.04643120430409908},{"text":"Yep.","start":2126.605,"end":2127.005,"sentiment":"neutral","sentiment_score":0.09918533265590668}],"sentiment":"neutral","sentiment_score":-0.05098483734764159,"num_words":24,"start":2115.4048,"end":2127.005},{"sentences":[{"text":"That's all I wanted to say.","start":2127.005,"end":2128.4648,"sentiment":"neutral","sentiment_score":0.0841766291608413},{"text":"Yep.","start":2181.63,"end":2182.13,"sentiment":"neutral","sentiment_score":0.04436817765235901},{"text":"Okay.","start":2234.125,"end":2234.625,"sentiment":"neutral","sentiment_score":0.22368647158145905},{"text":"No.","start":2243.46,"end":2243.78,"sentiment":"neutral","sentiment_score":-0.1296069175004959},{"text":"It's it's fine.","start":2243.78,"end":2244.74,"sentiment":"neutral","sentiment_score":0.04944748431444168}],"sentiment":"neutral","sentiment_score":0.06598749663680792,"num_words":12,"start":2127.005,"end":2244.74},{"sentences":[{"text":"We've we've been through this for a couple of years now.","start":2244.74,"end":2246.98,"sentiment":"neutral","sentiment_score":0.0884329541163011},{"text":"That's that's totally fine.","start":2246.98,"end":2248.76,"sentiment":"positive","sentiment_score":0.5191508159041405},{"text":"No.","start":2248.82,"end":2248.98,"sentiment":"neutral","sentiment_score":-0.11844722926616667},{"text":"I don't have any questions at this stage.","start":2248.98,"end":2250.5798,"sentiment":"neutral","sentiment_score":-0.11261007003486156},{"text":"Thank you.","start":2250.5798,"end":2251.32,"sentiment":"positive","sentiment_score":0.4757527709007263}],"sentiment":"neutral","sentiment_score":0.11467475042893337,"num_words":26,"start":2244.74,"end":2251.32},{"sentences":[{"text":"Okay.","start":2252.3398,"end":2252.8398,"sentiment":"neutral","sentiment_score":0.24767625331878665},{"text":"No.","start":2262.305,"end":2262.785,"sentiment":"neutral","sentiment_score":0.15436485409736633},{"text":"No worries at all.","start":2262.785,"end":2263.665,"sentiment":"neutral","sentiment_score":0.2933778651058674},{"text":"Thanks for the call.","start":2263.665,"end":2264.645,"sentiment":"positive","sentiment_score":0.737599715590477},{"text":"You too.","start":2267.665,"end":2268.305,"sentiment":"positive","sentiment_score":0.3812800496816635}],"sentiment":"positive","sentiment_score":0.44070929413040477,"num_words":12,"start":2252.3398,"end":2268.305},{"sentences":[{"text":"Bye bye.","start":2268.305,"end":2268.8188,"sentiment":"neutral","sentiment_score":0.22018897533416748},{"text":"Bye.","start":2269.0588,"end":2269.5588,"sentiment":"neutral","sentiment_score":0.17451998591423035}],"sentiment":"neutral","sentiment_score":0.2049659788608551,"num_words":3,"start":2268.305,"end":2269.5588}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Speaking.\n\nChannel 0: Hi, Luke. It's Dana from Oakview Financial. How are you this morning?\n\nChannel 1: Good. Thank you, Danny. Yourself?\n\nChannel 0: Yeah. Very well. Thank you. Thanks for asking. I had you booked in to go through your annual review this morning.\n\nIs now still a good time there for you?\n\nChannel 1: Yes. Yes. We can\n\nChannel 0: Fantastic. Luke, before we jump into the call, I do have to let you know\n\nChannel 1: do\n\nChannel 0: we do record our calls for quality and training purposes.\n\nChannel 1: that.\n\nChannel 0: Are you happy for us to proceed with that?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Fantastic. And just to do a really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Luke Manning, twenty second of the fourth\n\nChannel 0: Yep.\n\nChannel 1: '80, and the word is Smith, I think.\n\nChannel 0: It is. Yeah. Perfect. Sorry. Had to do the other way just because my system was not loading properly this morning.\n\nI couldn't quite see the password. So I was like, oh, I'll just do a three point security checker for you. Easy.\n\nChannel 1: No worries.\n\nChannel 0: Thank you so much. Now, Luke, we do send through your annual review doc documents to go through with you. Are you able to get into your emails? If you can't, that's honestly okay.\n\nChannel 1: I can on a phone\n\nChannel 0: Yeah. That's\n\nChannel 1: at\n\nChannel 0: alright.\n\nChannel 1: the moment.\n\nChannel 0: Otherwise\n\nChannel 1: Yeah.\n\nChannel 0: otherwise, if you want me, I can just sort of go through things, and you're welcome to have a look at them later. It's more your preference and what you're able to do.\n\nChannel 1: Yeah. That might be easier.\n\nChannel 0: Yeah. That's okay. That's not a problem at all. How's your morning been so far?\n\nChannel 1: Not too bad. Not too bad. I'm down in Sydney today doing a few things.\n\nChannel 0: Oh, wow. Wow.\n\nChannel 1: Yep.\n\nChannel 0: For work or bit of a holiday?\n\nChannel 1: No. No. No. It's still working. Just\n\nChannel 0: For\n\nChannel 1: I'm\n\nChannel 0: work.\n\nChannel 1: handing a yeah. Handing over a project. So\n\nChannel 0: Nice.\n\nChannel 1: It's\n\nChannel 0: Oh,\n\nChannel 1: all good.\n\nChannel 0: Google easy. Well, I'll try not to take up too much of your time. We'll just sort of hit on the\n\nChannel 1: Mhmm.\n\nChannel 0: things that we definitely need to. Is there anything specific aside from your super update that you were sort of looking to touch on as part of your annual review?\n\nChannel 1: Not really. I mean, no. I I I don't know if it's on the file there. I I did speak with purchasing a portion of a business, which has happened this year.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: Yeah. So there will be a little bit more cash coming in, but other than that, yeah, no. I I don't really know if there's anything else we need to discuss other than the super.\n\nChannel 0: Yes. That's absolutely fine. That's not a problem at all. Well, I'll jump into it and give you an update. So\n\nChannel 1: Yep.\n\nChannel 0: just sort of looking back at your annual review last year, your balance then was 134,928. Essentially, looking at and then Kyle, my colleague, did some advice last year to switch your investments there for you as well, and then having a look at your balance as of the annual review this year, your balance as of the July 31, which is when we did the documents, that'd be sitting at a $162,004.83. When we look at the returns from your portfolio as a net return to after fees, in the last twelve months, you're up by 7.35%. So it is good. I'm happy with that return.\n\nIt is generally for a high growth portfolio a little bit lower than where we'd like it to be, but the fact that you've come out this year with a positive return is a good thing. There has been a lot of market volatility with what's been going on in the world generally. So whilst it is lower, normally the high growth portfolio, you're averaging about eight to 10%. So this is slightly under where we'd expect it to be, but given the market conditions this year, personally, I'm pretty happy with that. You've also just gone through the investment switches, and that was actually a really good thing.\n\nSo yeah.\n\nChannel 1: Okay. So sorry. So you you aim to average 8% on a high did you say high risk investment portfolio?\n\nChannel 0: Yeah. It's a high the high growth sort of portfolio that\n\nChannel 1: High\n\nChannel 0: you're\n\nChannel 1: growth.\n\nChannel 0: looking\n\nChannel 1: Sorry.\n\nChannel 0: at. Yeah. The expected\n\nChannel 1: Has that always\n\nChannel 0: return\n\nChannel 1: been\n\nChannel 0: of\n\nChannel 1: eight\n\nChannel 0: an\n\nChannel 1: percent? Because I thought it was\n\nChannel 0: yeah.\n\nChannel 1: much higher than that.\n\nChannel 0: So the portfolio that you were recommended last year had a\n\nChannel 1: Uh-huh.\n\nChannel 0: five year rolling average showing about 16%. A\n\nChannel 1: That's\n\nChannel 0: high a\n\nChannel 1: what I\n\nChannel 0: five\n\nChannel 1: thought.\n\nChannel 0: year\n\nChannel 1: Yeah.\n\nChannel 0: rolling average is the average over the last five years. However, when we look at risk level returns, we're looking at for a high growth portfolio an average of eight to 10%. That's a normal expected return. It's also a more conservative rate of return that you're looking to try and achieve. Obviously, you want a much higher return, and investment portfolios can return much greater.\n\nHowever, markets are volatile. They do go up and down. You're not gonna get 16% every year. And when you look at the return that was projected in the SOA, it is just an average over the past five years. So rolling average takes a five year return and averages it out over per year.\n\nIt's not by any means guaranteed. It's just showing you how those investors have\n\nChannel 1: They've performed\n\nChannel 0: performed\n\nChannel 1: over the\n\nChannel 0: and\n\nChannel 1: last five years. Yeah.\n\nChannel 0: correct. As an average, and then the projection table at once, if it is able to achieve the same over the next five to ten years, this is where we can expect it to look like. However, market fell volatile this year. It has definitely seen some more ups and downs that were not expected, and therefore, the returns have been a little bit lower than what we sort of like to see, but still a 7% return is actually quite good. A lot of the returns that we have sort of seen with the market have been a little bit lower, and that's because The US year round war, but also high inflation in Australia has affected defensive investments like bonds as well.\n\nSo we know that some years you're going to get, you know, a great return like maybe six or 20%, but other years it might be a 10% or 7%. And in a high growth portfolio, every once in at least every five years, you can also expect a new return. So these are sort of the expectations around the risk level that you're taking. But as I said, I'm pretty happy with the 7% return from what you've seen with the investment switches. Your portfolio has grown quite nicely as well.\n\nDoes that make sense? Do you have any other questions there at all?\n\nChannel 1: No. We we haven't changed the style of investing, have we? Like you said, there was the, sorry, I I missed the terminology there, the high growth. Was it high growth? And then that that was changed as of last year.\n\nDid it change or did I just reconfirm that that was what I wanted to be a part of?\n\nChannel 0: So if I go back to the advice documents that we had here from last year, that was around at this time. The investments yeah. The investments showed here that you in your wise risk profile, you had scored high growth and that you were happy to retain the high growth environment. You were in high growth prior to that. The updated portfolio is still high growth just to just to switch it to different investment to make sure returns\n\nChannel 1: Yep.\n\nChannel 0: are still working harder for you.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: what were the returns on it last year, percentage wise?\n\nChannel 0: So the return so if I pull up your last portfolio, your annual review then. Here we go. The return. Last year, at your annual review, your portfolio made 14.28%.\n\nChannel 1: Right.\n\nChannel 0: Yeah. It's in with your portfolio last year, one of the good things, and I am happy that Kyle did that advice for you last year, was that last year, whilst you had, you know, a 14% return there, you also had the Benelong Australian equities in that investment portfolio as part of the advice that Kyle presented to you last year that was removing that investment and swapping it out with the a 200. That was actually a good decision to make because the Benelon Australian Equities as of probably November last year, one of their underlying investments, they're invested in what's called Corporate Traveler. That investment actually was dishonest to the market, and it meant that that Benelon had to reevaluate that investment or part of their portfolio. Corporate traveler is actually on a trading halt while they've been investigated.\n\nThe Benelon investment is actually down by about 10 to 20% in most portfolios currently.\n\nChannel 1: Alright.\n\nChannel 0: So whilst the return is slightly lower, Kyle giving you that advice last year and you swapping your investment, investments out within that high growth environment has actually worked out better for you. It's actually a very good decision, and it meant that you're up where some other people might be feeling it down at the moment as well.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Do you have any further questions or anything else to clarify? You're welcome to let me know if you do.\n\nChannel 1: No. Yeah. Yeah. No. It's\n\nChannel 0: Yes.\n\nChannel 1: it's very comfortable having a conversation.\n\nChannel 0: Yeah.\n\nChannel 1: No. I just yeah. I\n\nChannel 0: That's\n\nChannel 1: was just\n\nChannel 0: okay.\n\nChannel 1: curious. Obviously, I\n\nChannel 0: Yeah.\n\nChannel 1: know that the world is upside down at the moment, but 7%\n\nChannel 0: Mhmm.\n\nChannel 1: 7% isn't obviously something I was gonna be cheering about as a return. Like, when we talked about the initial figure that was in my super to start the year and then where it had come to and obviously just the con contributions that would have went through the year, that didn't seem like it grew very much at all.\n\nChannel 0: Oh, the biggest sort of downturn was around March and April this year, which is when majority of the investments did see the downturns with what was happening between Iran and America. So a lot of that volatility has affected everyone, but it's important to note that when you are in that high growth environment, as your balance increases over time, you are gonna feel those ups and downs a lot more. So what I would be honest in saying is that if you're not comfortable with with that kind of ups and downs, if you're not comfortable seeing, you know, a lower return and feeling the ups and downs as drastically, then a high growth portfolio may not be suited to you. It might be worth reviewing your risk level.\n\nChannel 1: No. I'm still comfortable with that being that I'm nowhere\n\nChannel 0: Mhmm.\n\nChannel 1: near retirement. I'm not too stressed\n\nChannel 0: Yeah.\n\nChannel 1: about it. I obviously just been querying it and pushing\n\nChannel 0: Yeah.\n\nChannel 1: the envelope\n\nChannel 0: That's fine.\n\nChannel 1: to get the percentages up where possible. I mean, you know, that's that's what we're aiming for. Right? You guys get a percentage out of what we make. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Correct. And that's\n\nChannel 1: It's in\n\nChannel 0: why\n\nChannel 1: everyone's\n\nChannel 0: we\n\nChannel 1: best\n\nChannel 0: have\n\nChannel 1: interest.\n\nChannel 0: this absolutely.\n\nChannel 1: It's in yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. Of course. Understandable. And my job is also to be really honest with you and let you know that you're not always going to get a 16% return.\n\nMarkets do go up and down. We do not try to pick the top and the bottom of the market. We invest in portfolios that have a track record that are meant for long term investing. We do update and alter portfolios as changes in the market do require, as your risk level requires, but we also know that you're not gonna make a million dollars in a week or a month or one year. It's about investing for the longer term and generating long term wealth.\n\nWe do know that, well, the the portfolio has generated great returns in the past, there's no guarantee that those returns are going to keep up in the future, and we do not know what's gonna happen next during the market as well. So there could be a recession in a year or two, and you may see a negative 10% return. It's about making sure that you're comfortable with the risk level you're taking so you\n\nChannel 1: Uh-huh.\n\nChannel 0: can stay invested through those downturns, keep your\n\nChannel 1: Yep.\n\nChannel 0: contributions going in, and take advantage of the compounding effect as it increases there. Does that make sense? Does that\n\nChannel 1: Yeah. I\n\nChannel 0: help?\n\nChannel 1: fully I I follow that a\n\nChannel 0: Yep.\n\nChannel 1: 100%.\n\nChannel 0: Beautiful. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: I know it's not always it's not always fun to hear that you've got a lower rate of return. I am honestly happy with the 7% return if you're knowing what the markets have done and having seen how other portfolios have performed. I've had a lot of these harder conversations this year with clients, and part of my job is to be really honest and let you know this is what is expected. This is what can happen. When we talked to economists recently, they are noting that with changes in the market, there is a bit of a fallback to the property.\n\nSo they are sort of hoping that inflation will sort of decrease into early next year that can cause more market state state build stability as well. Sorry. Because investors are less concerned about the highest rate from the borrowing capacity and businesses as a whole having to pay back higher interest on loan. So that can have a a definite effect there. But in saying that, who knows what is gonna happen next year?\n\nTrump could come out and start another war, and we just have to kinda wait through it. So what I\n\nChannel 1: Just\n\nChannel 0: would probably\n\nChannel 1: yes. 20\n\nChannel 0: like\n\nChannel 1: seven.\n\nChannel 0: to do what I would probably like to do, if you're comfortable, is keep your portfolio for the moment. We can do a bit of a catch up in maybe three or six months, see how things are tracking along a little bit more closely for you, and then\n\nChannel 1: Yep.\n\nChannel 0: stay down the track if we need to make any further changes. Or if you find you're not comfortable with the risk level, please speak up and let me know in that time frame. Does that sound okay with you?\n\nChannel 1: That's fine. Yeah. We can revisit this in\n\nChannel 0: Yep.\n\nChannel 1: six months. And like I said, I'm nowhere near retirement level. So retirement age, so\n\nChannel 0: Yep.\n\nChannel 1: I'm happy to push on with this.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Excellent.\n\nChannel 1: Sure.\n\nChannel 0: All good. In the email, you will see the breakdown of your performance report as well as the summary there. You're welcome to have a bit of a look at those, and let me know if you do know if you do have to have any questions there at all. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Now with your insurance aspect here, your current cover, you've got a a towel policy with life and TBD. The current\n\nChannel 1: Mhmm.\n\nChannel 0: sum insured that you have there is a bit over 1,300,000. So 1,000,000 is 356,588 of life and TBD paid out of your super fund there. Just looking at that life cover, if you were to pass away today, as an example, the life cover pays out, but then your super balance pays out on top of that. Sorry. Just double checking.\n\nWhere is your main goal for that last year was to have it all sort of paid to your partner? Is that still\n\nChannel 1: Yes.\n\nChannel 0: where you'd like us to go? Is to go to Sasha?\n\nChannel 1: Yeah. Correct. Yep.\n\nChannel 0: Yep. Beautiful. Do you feel like the level that you are covered for is efficient? Did you want to look at maybe updating that at all or reevaluating the insurances?\n\nChannel 1: Well, I think the I think the cover there is fine. Do you do other types\n\nChannel 0: Yep.\n\nChannel 1: of insurance as well?\n\nChannel 0: Yeah.\n\nChannel 1: Just\n\nChannel 0: Absolutely.\n\nChannel 1: life and show life and TPD? What about,\n\nChannel 0: No. No. So\n\nChannel 1: sorry. Go\n\nChannel 0: yeah. You're right. No. So we definitely do. We\n\nChannel 1: ahead.\n\nChannel 0: look at life, PPD, income protection, trauma cover. We can look at different types of business cover depending on what you're after. What sort of insurances\n\nChannel 1: Alright.\n\nChannel 0: are you sort of looking to try and get?\n\nChannel 1: Insurance on tools and things like that? Do you cover personal items, equipment, things like that?\n\nChannel 0: We we don't do those because they're more general\n\nChannel 1: I don't\n\nChannel 0: types\n\nChannel 1: think\n\nChannel 0: of\n\nChannel 1: so.\n\nChannel 0: insurances. Yeah. That's okay. Do you have, like, a general insurance broker that can look after those things? If not, I could always look\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: do.\n\nChannel 0: see if\n\nChannel 1: Yeah.\n\nChannel 0: I can\n\nChannel 1: I\n\nChannel 0: find\n\nChannel 1: just\n\nChannel 0: something.\n\nChannel 1: thought I'd ask while\n\nChannel 0: Yep.\n\nChannel 1: we're on the phone.\n\nChannel 0: Yeah. That's absolutely fine. It's a really good question. I'm glad you definitely asked it. Easy.\n\nChannel 1: Yeah. I've\n\nChannel 0: Perfect.\n\nChannel 1: I've had yeah. I've experienced a couple of break ins on my job sites recently and have lost,\n\nChannel 0: Oh.\n\nChannel 1: you know, yeah, like, countless items. So I need a a different insurance company because they since other job sites weren't covered, so I've lost a bit of money this year in that aspect.\n\nChannel 0: Yeah. That's horrible. Gosh.\n\nChannel 1: Yeah. Yeah. Enjoys being a tradie. Anyway, I just thought\n\nChannel 0: That's\n\nChannel 1: I'd ask while\n\nChannel 0: yeah.\n\nChannel 1: I had you\n\nChannel 0: Not\n\nChannel 1: on the phone.\n\nChannel 0: great. Yeah. Absolutely. That's not great. Have you been able to report to the police and recover any of that at all?\n\nOr\n\nChannel 1: No. No. No. No. No.\n\nI've I've reported\n\nChannel 0: No. It's\n\nChannel 1: that the\n\nChannel 0: a shame.\n\nChannel 1: police that did forensics and all that sort of thing. Detectives got involved, but I'm still out about $35.\n\nChannel 0: Oh, that's a that's a lot of money when you're oh my god. That's horrendous.\n\nChannel 1: Yeah. Just piecing\n\nChannel 0: Yeah. No.\n\nChannel 1: the tools back together over time now, and then\n\nChannel 0: That's\n\nChannel 1: I'll just have to change my insurance because they're job site. It doesn't cover tools. It covers tools and vehicles and my personal, you know, my property and at my\n\nChannel 0: Yeah.\n\nChannel 1: my place of business, but not on job\n\nChannel 0: Yep.\n\nChannel 1: sites. So I need a portable insurance. So I just wanted to ask while we had while we're talking about expenses.\n\nChannel 0: Yeah.\n\nChannel 1: That's fine.\n\nChannel 0: That's\n\nChannel 1: I'll just\n\nChannel 0: absolutely\n\nChannel 1: approach,\n\nChannel 0: fine.\n\nChannel 1: yeah, I'll just approach, whoever I've got my car through or something like that. Have a chat with\n\nChannel 0: Yep.\n\nChannel 1: them.\n\nChannel 0: That's\n\nChannel 1: Too easy.\n\nChannel 0: absolutely fine. Perfect. Easy done. With looking at the life cover you have now, if you were to sort of look at your assets and if you were to pass away now with your life and your, say, super balance paid out to your family, Are you kind of wanting do you have any kind of plan on how you would like them to use those funds? Is it to kind of pay off both the properties you have, or what's the what would be the goal with that?\n\nChannel 1: No. The property that I have now, we own next to nothing on. And\n\nChannel 0: Yep.\n\nChannel 1: the investment property is, I mean, is a tax write off, I guess, at this stage. I just wanted to just maybe throw a couple of maybe a $100,150,000 into it just to bring it down so that we it it looks after itself a little bit better. But other than that, my wife does a pretty good job. She can look after herself, and a million\n\nChannel 0: Yep.\n\nChannel 1: bucks in her pocket would be fine to keep her moving\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: Well,\n\nChannel 1: find a new\n\nChannel 0: if\n\nChannel 1: husband.\n\nChannel 0: you sort of absolutely. If you sort of had a look at that, I mean, your Super Balance plus your life cover, essentially, covers\n\nChannel 1: So\n\nChannel 0: you for a\n\nChannel 1: one\n\nChannel 0: bit\n\nChannel 1: point\n\nChannel 0: over 1,500,000\n\nChannel 1: five.\n\nChannel 0: there. So, realistically, she'd have more than a million dollars to sort of live on that could definitely provide a decent benefit for her.\n\nChannel 1: Yep.\n\nChannel 0: With your main primary residence, the asset value we had last year was about 1,300,000. What would\n\nChannel 1: Yep.\n\nChannel 0: you put out value wise on that at the moment?\n\nChannel 1: I could give you a more accurate figure later on in the week. We've just had a bank come around and do a an evaluation on it. I\n\nChannel 0: Mhmm.\n\nChannel 1: think current currently, we owe about $50,000 on the property, and we've just been we're just going through the approval process of doing a renovation. Quite a quite\n\nChannel 0: Mhmm.\n\nChannel 1: an extensive extension. So, yeah, I'm getting a bank here a bank appraisal or bank evaluation to my broker in the next couple of days. They came out Monday\n\nChannel 0: Okay.\n\nChannel 1: to do\n\nChannel 0: Perfect.\n\nChannel 1: that. But I would\n\nChannel 0: Yeah.\n\nChannel 1: say\n\nChannel 0: Lovely.\n\nChannel 1: it'll be around\n\nChannel 0: Excellent.\n\nChannel 1: the one point five.\n\nChannel 0: About the one point five. Beautiful. I'll just update it to that for the moment, and then we can update that when you get that appraisal back. Fantastic.\n\nChannel 1: Yeah. I'm\n\nChannel 0: And\n\nChannel 1: sure\n\nChannel 0: with\n\nChannel 1: the banks\n\nChannel 0: the investment\n\nChannel 1: are gonna tell me\n\nChannel 0: property\n\nChannel 1: it's worth I'm I'm sure the banks will say it's worth $7.50 or something, you know, that they always try and lowball\n\nChannel 0: yeah.\n\nChannel 1: you, but\n\nChannel 0: Absolutely.\n\nChannel 1: yeah. Like, going on the current market going on the current\n\nChannel 0: Yeah.\n\nChannel 1: market, the house would sell for about 1.8, but the bank's probably gonna\n\nChannel 0: Okay.\n\nChannel 1: value it at 1.4, 1.5, I would say.\n\nChannel 0: Yeah. Absolutely. No. Definitely.\n\nChannel 1: Yep.\n\nChannel 0: And with the investment property, what sort of value would you put on that? We had about 400,000 last year.\n\nChannel 1: Yeah. I think it'll be about $5.05 20 now.\n\nChannel 0: $5.20? Excellent. Beautiful. And the mortgage on the investment property was sitting at about 400,000 last year. Have you is that\n\nChannel 1: It's\n\nChannel 0: principal and\n\nChannel 1: no.\n\nChannel 0: interest\n\nChannel 1: It's\n\nChannel 0: or just interest only?\n\nChannel 1: it's principal and interest, but it's still sitting around\n\nChannel 0: Yep.\n\nChannel 1: the same.\n\nChannel 0: Perfect. There we go.\n\nChannel 1: I'll put as little into\n\nChannel 0: Excellent.\n\nChannel 1: that as I can at the moment.\n\nChannel 0: Oh, absolutely. Paying off your main primary residence as a nondeductible debt is definitely the way to reduce that quicker. Absolutely.\n\nChannel 1: Exactly. Yep.\n\nChannel 0: Yep. No. Perfect. I've also got your unit here at asset value of 70,000. What sort of value would you put on the unit?\n\nChannel 1: I don't know. Maybe 60 now. It's depreciated a bit,\n\nChannel 0: 60? Yep. That's\n\nChannel 1: I guess.\n\nChannel 0: absolutely fine. That's\n\nChannel 1: Yep.\n\nChannel 0: okay. And debt value was about 10,000. Do you still have the debt on view?\n\nChannel 1: No. I'll I'll pay that in the next month. I owe, like, $900 on it.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: I I I\n\nChannel 0: Fantastic.\n\nChannel 1: just checked I just checked the account last week. I'm pretty sure I've got one more payment.\n\nChannel 0: Oh, fantastic. That'll be nice. One less debt to worry about.\n\nChannel 1: Another thousand bucks\n\nChannel 0: And\n\nChannel 1: a month\n\nChannel 0: then\n\nChannel 1: in my pocket.\n\nChannel 0: absolutely. And then you've also got the boat there. Do you still have your boat?\n\nChannel 1: I do still have a vote.\n\nChannel 0: Yep. And the value on that last year was about 18,000. What's the value would you put on it at the moment?\n\nChannel 1: I reckon 14.\n\nChannel 0: 14\n\nChannel 1: Yeah.\n\nChannel 0: thousand. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And then I've also got your caravan with a value of 15,000. What\n\nChannel 1: Yeah.\n\nChannel 0: sort of value\n\nChannel 1: Maybe\n\nChannel 0: would\n\nChannel 1: make\n\nChannel 0: you put\n\nChannel 1: that\n\nChannel 0: on that now?\n\nChannel 1: $12.12 or 13.\n\nChannel 0: Yep. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Do you wanna\n\nChannel 0: And\n\nChannel 1: buy\n\nChannel 0: do you\n\nChannel 1: either\n\nChannel 0: have\n\nChannel 1: of\n\nChannel 0: any\n\nChannel 1: those things?\n\nChannel 0: kind of I actually don't at the moment. My husband's not a caravan. I'm gonna be really honest with you. He's also not a boat person.\n\nChannel 1: My my my children have outgrown it. It's too small for us, but yeah. Anyway, it's just sitting in my driveway\n\nChannel 0: Yep.\n\nChannel 1: in the way at the moment. It needs to go, but I don't have time to sell it.\n\nChannel 0: No.\n\nChannel 1: Oh.\n\nChannel 0: Understandable.\n\nChannel 1: Anyway.\n\nChannel 0: All good. With your investment property, do you have any other goals to kind of build and add more investment properties to your portfolio, or is it just the two that you've got you comfortable with? What's kind of that in\n\nChannel 1: No. Eventually or in the next couple of years,\n\nChannel 0: goal?\n\nChannel 1: like I said, I've just come into a business. So I purchased\n\nChannel 0: Yep.\n\nChannel 1: a a portion of a business, and this is the first year that I'll be taking director's drawers. So I'm still\n\nChannel 0: Mhmm.\n\nChannel 1: very, very new to that and what that means for my cash flow.\n\nChannel 0: Yeah.\n\nChannel 1: My primary interest at the moment is paying for this extension on my property because it's again, it's a doesn't give me any tax breaks, my own house. So I wanna pay that down a bit. And once I've got that under control, I will definitely be looking at maybe a unit or something like that in around my area.\n\nChannel 0: Yeah. Yes. Yes. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Are you looking to sort of buy off the plan to kinda get the best the tax rates now those changes have gone through?\n\nChannel 1: No. I will be getting advice on that. I haven't even thought that far ahead. I'm more more more focused on bringing down the debt that I'm about to jump into.\n\nChannel 0: Yeah.\n\nChannel 1: I'm borrowing\n\nChannel 0: That's\n\nChannel 1: a bit of\n\nChannel 0: okay.\n\nChannel 1: money to yeah. So that yeah. Working\n\nChannel 0: Yep.\n\nChannel 1: on that, and then I'll figure out what I'm gonna do. But the the idea in my head is that in the next sort of five under five years, I'll pick something else\n\nChannel 0: Yep.\n\nChannel 1: up.\n\nChannel 0: Yeah. Fantastic. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: And I know you said there's a lot a lot of changes coming with that new with you having purchased into business and income side of things. What do you\n\nChannel 1: Mhmm.\n\nChannel 0: sort of estimate your income might be for this year? Have you sort of thought of what you're expecting to earn?\n\nChannel 1: Between $2.50 and 300.\n\nChannel 0: Okay. Perfect. And\n\nChannel 1: So\n\nChannel 0: three\n\nChannel 1: I have\n\nChannel 0: 100.\n\nChannel 1: a I\n\nChannel 0: Excellent.\n\nChannel 1: have a, like, a, yeah, I have a salary package of about, like with all the inclusions and everything, I think it's about 100 and 140\n\nChannel 0: Yep.\n\nChannel 1: 5, and then the directors the drawers are usually about 45 a quarter, 40 a quarter, something like that\n\nChannel 0: Fantastic.\n\nChannel 1: conservatively. So about, you know, 140 and 160, somewhere around that. If you said $2.50 to be conservative, then it'll be between\n\nChannel 0: Yep.\n\nChannel 1: $2.50, 300 before tax.\n\nChannel 0: Absolutely. Fantastic. And occupation wise, you're still technically a shop fitter. Would you change or update your occupation at all?\n\nChannel 1: No. No.\n\nChannel 0: No. That's okay. That's alright. And sorry. Just looking at the TBD side of things as well there, you've got the same level of TBD.\n\nNow I don't know if anyone's ever kinda gone through with you and explained that while TBD covers you if you were unable to ever go back to work again, TBD,\n\nChannel 1: Uh-huh.\n\nChannel 0: if you claim successfully and withdraw money and you're under the age of 60, you actually are you do pay tax on that. Taxes up to 22%. If you were, say, TBD with the level of cover you have, would you still be able to earn, say, director's fees or income from the business you've purchased into? Do you feel like that would still be appropriate level of cover even with the tax component to\n\nChannel 1: I don't follow. What do you mean? If I if I was if\n\nChannel 0: it?\n\nChannel 1: I was injured. Is that what you're saying?\n\nChannel 0: Yeah. If you claim TBD and you're under the age of 60 and you\n\nChannel 1: Yep.\n\nChannel 0: take, like, a withdrawal, if you were to withdraw the full amount out, tax is deducted at up to 22% depending on your age and state. So just to kind of show you.\n\nChannel 1: What is\n\nChannel 0: Let's\n\nChannel 1: the\n\nChannel 0: see.\n\nChannel 1: figure\n\nChannel 0: Five\n\nChannel 1: that I would\n\nChannel 0: five\n\nChannel 1: be\n\nChannel 0: eight.\n\nChannel 1: drawing on? What is the overall figure?\n\nChannel 0: So out of the 1,300,000 at the highest tax rate of 22%, it's about $289,000 in tax. So you'd still\n\nChannel 1: Uh-huh.\n\nChannel 0: get over a million\n\nChannel 1: Over\n\nChannel 0: dollars\n\nChannel 1: a million\n\nChannel 0: if you drew\n\nChannel 1: bucks.\n\nChannel 0: the whole thing out, but it's\n\nChannel 1: Yep.\n\nChannel 0: just about making sure you're aware that that is a possibility. The tax is up to 22%, and if you claim TBD, we obviously do provide advice to help minimize the tax, keep the draw out draw downs as minimum as possible if you're happy to keep it inside the super system to help minimize that. And there's this a whole big math equation they use to work out the tax rate. It goes upon your age versus the age of 65, and the ACO has, like, a a tax table for that. But we're just letting you know that is the possibility if you were to claim TBD, it could be up to 22% tax if you draw on the funds, which means that you might lose about $298,000 off the amount you're covered for and just making sure that that level of cover you're covered for is still appropriate based on that.\n\nChannel 1: It would still be. Yeah. But how do you avoid\n\nChannel 0: That's\n\nChannel 1: that?\n\nChannel 0: okay? You can't. Unfortunately, you claim TBD when you're over the age of 60 or I mean, we can keep money inside super and draw money out in smaller increments. That way, whilst you are still paying tax on the amount, the drawdown, you're not paying a big lump sum that over time can reduce.\n\nChannel 1: Yes.\n\nChannel 0: We can also do other things like we call them uplift where we move you from one super fund to another. The rollover means that the new super fund redoes the math equation for you, and we can double the amount of tax free benefits there. There are things that we can definitely do to help you, but you can't avoid the tax totally. Personal opinion, I think it's disgusting that the government charged tax on a TBD claim because you're unable to go back to work again due to permanent incapacity. It is a big thing,\n\nChannel 1: Why\n\nChannel 0: but\n\nChannel 1: not? They\n\nChannel 0: I don't\n\nChannel 1: text us\n\nChannel 0: like\n\nChannel 1: on\n\nChannel 0: they\n\nChannel 1: absolutely\n\nChannel 0: do that.\n\nChannel 1: everything. They\n\nChannel 0: And\n\nChannel 1: text\n\nChannel 0: that\n\nChannel 1: us\n\nChannel 0: is\n\nChannel 1: in\n\nChannel 0: exactly\n\nChannel 1: every direction.\n\nChannel 0: correct.\n\nChannel 1: They text your money\n\nChannel 0: That's\n\nChannel 1: going\n\nChannel 0: exactly\n\nChannel 1: in. They text your money going out. They text us tax tax tax\n\nChannel 0: correct.\n\nChannel 1: tax Everywhere,\n\nChannel 0: Correct. The other side of it is if you were to claim on TPD and you are over the age of 60, the good news is it's completely\n\nChannel 1: text.\n\nChannel 0: tax free, but not many people keep TPD beyond the age of 60 because if you are unable to work. The idea is we have a higher level of cover now when we're younger because we have more debt. We have a lower super balance. When our super balance increases very heavily, we pay out our mortgage and our debt. We don't know we need the insurance any longer.\n\nThat's kinda how\n\nChannel 1: Yeah. Fully\n\nChannel 0: that should\n\nChannel 1: understand\n\nChannel 0: work.\n\nChannel 1: that. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That makes sense.\n\nChannel 0: Yep. Perfect. All good. So I'll keep those levels of cover as it is there at the moment. You don't have any income protection or trauma.\n\nHas anyone in the past gone through what those types of cover are? Did\n\nChannel 1: Yep.\n\nChannel 0: you wanna look at getting any\n\nChannel 1: I\n\nChannel 0: additional\n\nChannel 1: know what\n\nChannel 0: insurances, or are\n\nChannel 1: what\n\nChannel 0: you\n\nChannel 1: was\n\nChannel 0: just\n\nChannel 1: the\n\nChannel 0: happy\n\nChannel 1: second\n\nChannel 0: with\n\nChannel 1: one?\n\nChannel 0: that? Sorry.\n\nChannel 1: You had the income protection. What\n\nChannel 0: In\n\nChannel 1: was the other one?\n\nChannel 0: a trauma.\n\nChannel 1: Trauma.\n\nChannel 0: Yeah.\n\nChannel 1: What does that what does that cover? I know\n\nChannel 0: So\n\nChannel 1: that should\n\nChannel 0: trauma\n\nChannel 1: be self\n\nChannel 0: can pay\n\nChannel 1: explanatory.\n\nChannel 0: at no. No. It's all good. Trauma can pay at a lump sum tax free benefit if you're unable to, say, diagnose with a major traumatic condition. It doesn't matter whether you're working or not.\n\nTrauma is an out of pocket expense. You can't hold that kind of cover inside super the way you can with your life and CBD. Trauma pays out a benefit, say, if you're diagnosed with cancer, have a heart attack or a stroke, MS, Parkinson's, some major neurological conditions or major diagnoses. It can be one of the first things that is paid out for. You can't claim trauma if, like, you break a leg or something like that.\n\nIt's gotta be a major diagnosis.\n\nChannel 1: Right. But wouldn't that be covered under T. V.\n\nChannel 0: Yeah.\n\nChannel 1: D. Anyway?\n\nChannel 0: It would be if you're unable to ever go back to work again, but the major thing we find with CBD is that two doctors, one being a specialist, has to sign off on a TBD claim. And\n\nChannel 1: Yep.\n\nChannel 0: if you're still going through treatment, if they're still trying to treat you, then you're not actually able to claim on TBD. So trauma can pay out that benefit to give you a bit of time to go through recovery, seek treatment if you if it's not covered by Medicare, take time off work if you have to obviously drop hours or just pay down a mortgage or, you know, cover a certain level of cover. If\n\nChannel 1: Yep.\n\nChannel 0: you still can't go back to work again, the doctors go, look. It's stage four cancer. You're not gonna work again. Stop. You know, we're happy to sign the documents, then you can claim on TBD.\n\nBut often, trauma's\n\nChannel 1: Yeah. Okay.\n\nChannel 0: claimed on well well and truly before.\n\nChannel 1: Yeah. And with income protection, we're also come across. I mean, to play there too, wouldn't it?\n\nChannel 0: Yeah.\n\nChannel 1: If\n\nChannel 0: Income\n\nChannel 1: you had\n\nChannel 0: protection\n\nChannel 1: if you had cancer\n\nChannel 0: definitely\n\nChannel 1: and you were\n\nChannel 0: would.\n\nChannel 1: laid up in hospital.\n\nChannel 0: Yeah. Absolutely. Income protection, you do have a waiting period that you have to adhere to. Generally, the\n\nChannel 1: Yep.\n\nChannel 0: waiting period\n\nChannel 1: Twenty\n\nChannel 0: is\n\nChannel 1: one\n\nChannel 0: anywhere\n\nChannel 1: days.\n\nChannel 0: between thirty, sixty, or ninety days depending on what you agree to. You\n\nChannel 1: Yep.\n\nChannel 0: have to be off work for that period of time, and then, normally, the claim is paid generally thirty days after that waiting period so long as all the documents are provided nice and quickly.\n\nChannel 1: Yep.\n\nChannel 0: Income protection is paid for. The time of the claim allowable, you can have two years, five years, or at age 65 depending on what you've agreed to with the policy.\n\nChannel 1: Yep.\n\nChannel 0: But it does also generally claim to be for TBD as well because you are still seeking treatment, and doctors can't sign off on TBD until\n\nChannel 1: Mhmm.\n\nChannel 0: they confirm they're no longer seeking treatment. You're just never gonna get back to work again, and that is a pretty big claim for a doctor to sign off on.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Am I able to revisit this at any stage throughout the year?\n\nChannel 0: Oh, absolutely. Yeah. Definitely.\n\nChannel 1: Yes.\n\nChannel 0: If you feel like that you want to look at income protection or trauma, let me know. I can even shoot you an email after the call if you like just breaking down what they cover, some of the advantages, some of the things that you might need to consider around income protection and trauma, just so you can kind of think it through, mull it over. Think about your circumstances and what would happen if you were unable to go\n\nChannel 1: Yep.\n\nChannel 0: to work,\n\nChannel 1: Yep.\n\nChannel 0: and then we can always come back to it at any point. Absolutely. Okay.\n\nChannel 1: Yeah. No worries. I I'd like that. Yeah. Send shoot me over an\n\nChannel 0: Yep.\n\nChannel 1: email so I can have a read through it. But at this stage,\n\nChannel 0: Yes.\n\nChannel 1: yeah, no.\n\nChannel 0: Fantastic.\n\nChannel 1: I'm fine. I have have income protection in that through the union. So\n\nChannel 0: Oh, fantastic. As long as you got something to fall back on, if you can't work, that's a good thing. And we\n\nChannel 1: Yes.\n\nChannel 0: live with the way your business is structured now with you buying and everything. You'll probably also still be able to get some sort of income out of it too. So that can offset income protection claims. They tend to look at whether you're able to get income, how much you've earned prior to the claim, and then work out\n\nChannel 1: Mhmm.\n\nChannel 0: what you're eligible for. So have a sort\n\nChannel 1: Yeah.\n\nChannel 0: of think\n\nChannel 1: I\n\nChannel 0: about\n\nChannel 1: can\n\nChannel 0: those. But I'll add those sort of things into the email for you just so you've got some information to break down to think about so you can decide whether it's something you would like to look at or not.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: It might be something I'd change to in the future. I might step\n\nChannel 0: Yeah.\n\nChannel 1: out of the union\n\nChannel 0: Absolutely.\n\nChannel 1: or something, so it'd be it'd be good to have that information.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Yeah. Absolutely. Now I was having a look at your circle with the estate planning side of things. I can see you don't have a beneficiary nomination on file. One of the big things I\n\nChannel 1: I\n\nChannel 0: would\n\nChannel 1: think\n\nChannel 0: like\n\nChannel 1: I\n\nChannel 0: to make sure happens is that sorry. You're right?\n\nChannel 1: sorry. Yeah. No. I think you did and last year, you did send me through the forms, and I forgot to fill them out, but that would be the same person. Can\n\nChannel 0: Yep.\n\nChannel 1: I just\n\nChannel 0: That's\n\nChannel 1: do\n\nChannel 0: okay.\n\nChannel 1: that over\n\nChannel 0: We'll\n\nChannel 1: the phone\n\nChannel 0: need\n\nChannel 1: and\n\nChannel 0: to.\n\nChannel 1: and nominate Sasha?\n\nChannel 0: Unfortunately, we can't. I do have to send the form to you to be signed. They have to be signed, and witness is the main thing. But I can get my team to prefill them for you with her information if you would like.\n\nChannel 1: Yeah. That'd be great. If you could, yeah, send them over\n\nChannel 0: Yep.\n\nChannel 1: again, and then I'll I'll forward them back.\n\nChannel 0: Not a problem at all. Can I\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: promise\n\nChannel 0: grab a couple\n\nChannel 1: I'll actually\n\nChannel 0: of details?\n\nChannel 1: do\n\nChannel 0: Are\n\nChannel 1: it.\n\nChannel 0: you happy? That's okay. Would you like us to prefill her information or as much of the form as we possibly can for you to make it a little bit easier?\n\nChannel 1: Sure. That'd be great.\n\nChannel 0: Yep. Beautiful. Do you know her date of birth?\n\nChannel 1: 08/28/1980.\n\nChannel 0: Of August. Beautiful. Her birthday is coming up. That is fantastic.\n\nChannel 1: Thank you for reminding me.\n\nChannel 0: I've got no worries. I hope it's correct. If you get the document and she goes, hey, my god. That's not my birthday. Please let me know straight away, and I'll have it prefixed up for you.\n\nChannel 1: Honestly, it's either the twenty seventh or the twenty eighth. I can never remember. I'm pretty sure it's the twenty eighth.\n\nChannel 0: That's okay. Not\n\nChannel 1: Terrible\n\nChannel 0: a problem\n\nChannel 1: husband.\n\nChannel 0: at all. No. You are honestly fine. No stress at all. I'll take a 100% of the benefit to be paid to her.\n\nChannel 1: Yep.\n\nChannel 0: There are essentially three different types of nominations. One of them is nonbinding where you decide who you want the money to go to if you pass away. Unfortunately, the trustee gets to make the decision, and your nomination is kept only as a guide. You can also have a binding nomination, which means you have to refill the format every three years, or I can pick it as a binding non matching nomination, which means we do it this time. It holds the trustee to follow your direction, and you never have to fill this format again.\n\nWould\n\nChannel 1: Yeah.\n\nChannel 0: you like\n\nChannel 1: Just\n\nChannel 0: me\n\nChannel 1: go\n\nChannel 0: to\n\nChannel 1: with\n\nChannel 0: pick\n\nChannel 1: that one.\n\nChannel 0: the third\n\nChannel 1: Yes,\n\nChannel 0: option?\n\nChannel 1: please. Yes. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Perfect. Easy done. I'll get my team to do that up and send it out for you. Just the\n\nChannel 1: Mhmm.\n\nChannel 0: last couple of things to look at there. At I think super, we're still looking at age 65. Is that still your goal for accessing super? Did you wanna alter that at all?\n\nChannel 1: No. No. I think that's fine then. That'd be good.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep. At this\n\nChannel 0: Excellent.\n\nChannel 1: stage. Yeah.\n\nChannel 0: Yeah. Perfect. And your I can always go through and do a bit of a risk profile questionnaire. If you Perfect. And your I can always go through and do a bit of a risk profile questionnaire if you would like to to reassess your risk profile.\n\nBut are you happy to stay in a high growth environment? Did you wanna look at maybe reducing that or reevaluate that risk profile?\n\nChannel 1: No. I'm happy where it is at the moment. Thanks. Offer our conversation.\n\nChannel 0: Happy\n\nChannel 1: That's\n\nChannel 0: with\n\nChannel 1: fine.\n\nChannel 0: that? Yep. That's absolutely fine. If anything comes up or you feel kinda concerned or nervous, please do let me know. It's not a problem at all.\n\nThe\n\nChannel 1: Yep.\n\nChannel 0: only other\n\nChannel 1: No\n\nChannel 0: thing\n\nChannel 1: worries.\n\nChannel 0: I do have to let you know is we have sent out, as part of the review document, our ongoing service agreement. So, we've actually had an update to our fee structure because we've not updated our fee structure since the company opened. Essentially, moving forward, your ongoing service fee to our services remains at 1.65% until your\n\nChannel 1: Mhmm.\n\nChannel 0: balance hits hits 200,000. Once it hits 200,000, we actually have a drop in fee structure. So it goes from 1.65% to 1.375, and then once your balance is over 500,000, down to 1.10 percent. And then when it gets to a million dollars and over, it drops to 0.825%. So our fee structure used to cap at $600,000.\n\nIt now doesn't cap until 2,000,000. However, with the ongoing tiered structure, every time you hit a new key, your ongoing service fee actually drops a little bit. So the higher your\n\nChannel 1: Yep.\n\nChannel 0: balance goes, the lower the percentage is. It actually works out into your favor for you. Because your balance is still under 200,000, it's still sitting at 1.6. So 1.65% at the moment, but we'll make sure as we kind of review that each year, we give you an updated\n\nChannel 1: Mhmm.\n\nChannel 0: figure of how much you're expected to pay for the next year, and we'll show you that as part of your annual review document. Do you have any questions in relation to that at all?\n\nChannel 1: No. That's fine. Just try and\n\nChannel 0: Nope.\n\nChannel 1: get me the\n\nChannel 0: That's\n\nChannel 1: 200\n\nChannel 0: okay.\n\nChannel 1: grand as quick as you can.\n\nChannel 0: Oh, definitely give it a shot. And\n\nChannel 1: Yeah.\n\nChannel 0: look, your your income has definitely increased as well, so that'll be something to definitely look at.\n\nChannel 1: Yeah.\n\nChannel 0: Have\n\nChannel 1: That's\n\nChannel 0: a look\n\nChannel 1: the\n\nChannel 0: at the annual review doc you're sorry.\n\nChannel 1: yeah. No. So that is projected, and it will vary every year depending on, obviously, returns in the company.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. Yep.\n\nChannel 0: Correct.\n\nChannel 1: That's all I\n\nChannel 0: Yeah.\n\nChannel 1: wanted to say.\n\nChannel 0: Absolutely. No. That's okay. You're absolutely fine. Feel free to have a look.\n\nI've attached the new the financial services guide for you, which outlines those sorts of things. We have also we never used to charge for additional advice outside of the super insurance side of things. The ongoing service fee does mean that any additional advice with super and or insurances is all complimentary as part of your ongoing service fee. But the it does also show that moving forward, any additional advice for services outside of super will incur a bit of a cost. So that is all outlined, what the cost looks like, and how much it would be depending on what you're after.\n\nFeel free to have a look at the ongoing service agreement. Let us know if you do happen to have any questions, and just sort of read it through with the updated details. It's more just about with ongoing advice. We are doing a lot more advice to different areas as people wanna sort of expand, and\n\nChannel 1: Yep.\n\nChannel 0: we do have to charge those sorts of services because the when you charge advice fees inside Super, it has to meet a legislative requirement as a sole purpose test. So for advice outside of Super, the you can't charge inside Super for those sorts of other advice pieces. It doesn't meet the sole purpose test, and it goes against legislative requirements. So with changes to financial advice, advisors have had to reevaluate a lot of these sorts of things, but I have added the financial services guide there for you. Please have a look at it.\n\nPlease let me know if there's any questions there. More than happy to answer it. You've got the ongoing service agreement attached showing your current fee for the next twelve months there. And once you sort of had a look through it or happy to proceed, we'll get you to sign and return that back in order to, you know, proceed with seeking as our services and staying on board with the client for the next twelve months there. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Do you have any questions? I'm sorry. I go through a lot, and I add a lot of information. Probably a lot there.\n\nDo you have any questions that have come out of any of this? Sorry.\n\nChannel 1: No. It's it's fine. We've we've been through this for a couple of years now. That's that's totally fine.\n\nChannel 0: Beautiful.\n\nChannel 1: No. I don't have any questions at\n\nChannel 0: Fantastic.\n\nChannel 1: this stage. Thank you. Okay.\n\nChannel 0: Easy. Not a problem at all. Look. What yeah. I will let you go.\n\nYou have a great day. I thank you so much for your time, and you've got the email there ready to go for when you're able to review that one. Okay?\n\nChannel 1: No. No worries at all. Thanks for the call.\n\nChannel 0: No worries. Have a great day. See you later.\n\nChannel 1: You too. Bye bye. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.037567637860774994}],"sentiment":"neutral","sentiment_score":0.037567637860774994,"channel":1,"num_words":1,"start":0.32,"end":0.82},{"sentences":[{"text":"Hi, Luke.","start":1.76,"end":2.32,"sentiment":"neutral","sentiment_score":0.12823627144098282},{"text":"It's Dana from Oakview Financial.","start":2.32,"end":4.0,"sentiment":"neutral","sentiment_score":0.1816903680562973},{"text":"How are you this morning?","start":4.0,"end":5.14,"sentiment":"neutral","sentiment_score":0.22664836645126343}],"sentiment":"neutral","sentiment_score":0.19151385128498077,"channel":0,"num_words":12,"start":1.76,"end":5.14},{"sentences":[{"text":"Good.","start":5.3599997,"end":5.6,"sentiment":"positive","sentiment_score":0.5418462753295898},{"text":"Thank you, Danny.","start":5.6,"end":6.24,"sentiment":"positive","sentiment_score":0.5163636406262716},{"text":"Yourself?","start":6.24,"end":6.74,"sentiment":"positive","sentiment_score":0.34323009848594666}],"sentiment":"positive","sentiment_score":0.4868334591388702,"channel":1,"num_words":5,"start":5.3599997,"end":6.74},{"sentences":[{"text":"Yeah.","start":7.12,"end":7.44,"sentiment":"neutral","sentiment_score":0.26954543590545654},{"text":"Very well.","start":7.44,"end":8.0,"sentiment":"positive","sentiment_score":0.5228895843029022},{"text":"Thank you.","start":8.0,"end":8.4,"sentiment":"positive","sentiment_score":0.6161411106586456},{"text":"Thanks for asking.","start":8.4,"end":9.28,"sentiment":"positive","sentiment_score":0.6632488171259562},{"text":"I had you booked in to go through your annual review this morning.","start":9.28,"end":11.759999,"sentiment":"neutral","sentiment_score":0.3205624268605159}],"sentiment":"positive","sentiment_score":0.4145078488758632,"channel":0,"num_words":21,"start":7.12,"end":11.759999},{"sentences":[{"text":"Is now still a good time there for you?","start":11.759999,"end":13.78,"sentiment":"neutral","sentiment_score":0.2990177704228295}],"sentiment":"neutral","sentiment_score":0.2990177704228295,"channel":0,"num_words":9,"start":11.759999,"end":13.78},{"sentences":[{"text":"Yes.","start":14.16,"end":14.535,"sentiment":"neutral","sentiment_score":0.20739580690860748},{"text":"Yes.","start":14.535,"end":14.934999,"sentiment":"neutral","sentiment_score":0.26811155676841736},{"text":"We can","start":14.934999,"end":15.514999,"sentiment":"positive","sentiment_score":0.528002068400383}],"sentiment":"positive","sentiment_score":0.3828778751194477,"channel":1,"num_words":4,"start":14.16,"end":15.514999},{"sentences":[{"text":"Fantastic.","start":15.495,"end":15.995,"sentiment":"positive","sentiment_score":0.6727821230888367},{"text":"Luke, before we jump into the call, I do have to let you know","start":18.215,"end":20.615,"sentiment":"neutral","sentiment_score":0.3025988446814673}],"sentiment":"neutral","sentiment_score":0.3272777299086253,"channel":0,"num_words":15,"start":15.495,"end":20.615},{"sentences":[{"text":"do","start":20.615,"end":21.115,"sentiment":"neutral","sentiment_score":0.3276195228099823}],"sentiment":"neutral","sentiment_score":0.3276195228099823,"channel":1,"num_words":1,"start":20.615,"end":21.115},{"sentences":[{"text":"we do record our calls for quality and training purposes.","start":20.615,"end":23.115,"sentiment":"neutral","sentiment_score":0.27131880074739456}],"sentiment":"neutral","sentiment_score":0.27131880074739456,"channel":0,"num_words":10,"start":20.615,"end":23.115},{"sentences":[{"text":"that.","start":23.175,"end":23.675,"sentiment":"neutral","sentiment_score":0.27896150946617126}],"sentiment":"neutral","sentiment_score":0.27896150946617126,"channel":1,"num_words":1,"start":23.175,"end":23.675},{"sentences":[{"text":"Are you happy for us to proceed with that?","start":23.175,"end":25.355,"sentiment":"neutral","sentiment_score":0.31665191882186466}],"sentiment":"neutral","sentiment_score":0.31665191882186466,"channel":0,"num_words":9,"start":23.175,"end":25.355},{"sentences":[{"text":"Yeah.","start":25.735,"end":26.055,"sentiment":"neutral","sentiment_score":0.119329035282135},{"text":"No worries.","start":26.055,"end":26.715,"sentiment":"neutral","sentiment_score":0.19024839997291565}],"sentiment":"neutral","sentiment_score":0.16660861174265543,"channel":1,"num_words":3,"start":25.735,"end":26.715},{"sentences":[{"text":"Fantastic.","start":27.415,"end":27.915,"sentiment":"positive","sentiment_score":0.4572136402130127},{"text":"And just to do a really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file.","start":28.055,"end":34.47,"sentiment":"neutral","sentiment_score":0.2089375187501763}],"sentiment":"neutral","sentiment_score":0.2162397576167303,"channel":0,"num_words":34,"start":27.415,"end":34.47},{"sentences":[{"text":"Luke Manning, twenty second of the 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sort of like to see, but still a 7% return is actually quite good.","start":294.16498,"end":305.38498,"sentiment":"neutral","sentiment_score":-0.0639726573601365},{"text":"A lot of the returns that we have sort of seen with the market have been a little bit lower, and that's because The US year round war, but also high inflation in Australia has affected defensive investments like bonds as well.","start":306.00497,"end":318.22,"sentiment":"neutral","sentiment_score":-0.27460952582103865}],"sentiment":"neutral","sentiment_score":-0.031523206181103186,"channel":0,"num_words":124,"start":282.84003,"end":318.22},{"sentences":[{"text":"So we know that some years you're going to get, you know, a great return like maybe six or 20%, but other years it might be a 10% or 7%.","start":318.22,"end":326.665,"sentiment":"neutral","sentiment_score":0.27869713231921195},{"text":"And in a high growth portfolio, every once in at least every five years, you can also expect a new 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okay.","start":2129.9902,"end":2130.55,"sentiment":"neutral","sentiment_score":0.19776108860969543},{"text":"You're absolutely fine.","start":2130.55,"end":2131.83,"sentiment":"positive","sentiment_score":0.4215764304002126},{"text":"Feel free to have a look.","start":2131.83,"end":2132.79,"sentiment":"neutral","sentiment_score":0.2202888478835424}],"sentiment":"neutral","sentiment_score":0.24415913740029702,"channel":0,"num_words":13,"start":2127.9902,"end":2132.79},{"sentences":[{"text":"I've attached the new the financial services guide for you, which outlines those sorts of things.","start":2132.79,"end":2138.175,"sentiment":"neutral","sentiment_score":0.1605208208784461},{"text":"We have also we never used to charge for additional advice outside of the super insurance side of things.","start":2138.175,"end":2144.835,"sentiment":"neutral","sentiment_score":0.05300605963719519},{"text":"The ongoing service fee does mean that any additional advice with super and or insurances is all complimentary as part of your ongoing service fee.","start":2145.135,"end":2152.61,"sentiment":"neutral","sentiment_score":0.1520597270131111},{"text":"But the it does also show that moving forward, any additional advice for services outside of super will incur a bit of a cost.","start":2152.83,"end":2159.73,"sentiment":"neutral","sentiment_score":-0.057871459517627954},{"text":"So that is all outlined, what the cost looks like, and how much it would be depending on what you're after.","start":2159.95,"end":2165.5151,"sentiment":"neutral","sentiment_score":0.03738820428649584}],"sentiment":"neutral","sentiment_score":0.0645064638484092,"channel":0,"num_words":105,"start":2132.79,"end":2165.5151},{"sentences":[{"text":"Feel free to have a look at the ongoing service agreement.","start":2165.895,"end":2168.395,"sentiment":"neutral","sentiment_score":0.12474553287029266},{"text":"Let us know if you do happen to have any questions, and just sort of read it through with the updated details.","start":2168.5352,"end":2173.115,"sentiment":"neutral","sentiment_score":0.15032778748057105},{"text":"It's more just about with ongoing advice.","start":2173.415,"end":2176.375,"sentiment":"neutral","sentiment_score":0.055122152503047674},{"text":"We are doing a lot more advice to different areas as people wanna sort of expand, and","start":2176.375,"end":2181.9502,"sentiment":"neutral","sentiment_score":0.06976750339655315}],"sentiment":"neutral","sentiment_score":0.10967218967383369,"channel":0,"num_words":57,"start":2165.895,"end":2181.9502},{"sentences":[{"text":"Yep.","start":2181.63,"end":2182.13,"sentiment":"neutral","sentiment_score":0.04436817765235901}],"sentiment":"neutral","sentiment_score":0.04436817765235901,"channel":1,"num_words":1,"start":2181.63,"end":2182.13},{"sentences":[{"text":"we do have to charge those sorts of services because the when you charge advice fees inside Super, it has to meet a legislative requirement as a sole purpose 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all.","start":2262.785,"end":2263.665,"sentiment":"neutral","sentiment_score":0.2933778651058674},{"text":"Thanks for the call.","start":2263.665,"end":2264.645,"sentiment":"positive","sentiment_score":0.737599715590477}],"sentiment":"positive","sentiment_score":0.4753639085425271,"channel":1,"num_words":9,"start":2262.305,"end":2264.645},{"sentences":[{"text":"No worries.","start":2265.8088,"end":2266.369,"sentiment":"positive","sentiment_score":0.4409988671541214},{"text":"Have a great day.","start":2266.369,"end":2267.0889,"sentiment":"positive","sentiment_score":0.6540351361036301},{"text":"See you later.","start":2267.0889,"end":2267.9888,"sentiment":"positive","sentiment_score":0.5596301952997843}],"sentiment":"positive","sentiment_score":0.5752254294024574,"channel":0,"num_words":9,"start":2265.8088,"end":2267.9888},{"sentences":[{"text":"You too.","start":2267.665,"end":2268.305,"sentiment":"positive","sentiment_score":0.3812800496816635},{"text":"Bye bye.","start":2268.305,"end":2268.8188,"sentiment":"neutral","sentiment_score":0.22018897533416748},{"text":"Bye.","start":2269.0588,"end":2269.5588,"sentiment":"neutral","sentiment_score":0.17451998591423035}],"sentiment":"neutral","sentiment_score":0.2754916071891785,"channel":1,"num_words":5,"start":2267.665,"end":2269.5588},{"sentences":[{"text":"Bye.","start":2269.8088,"end":2270.3088,"sentiment":"neutral","sentiment_score":-0.09642393887043}],"sentiment":"neutral","sentiment_score":-0.09642393887043,"channel":0,"num_words":1,"start":2269.8088,"end":2270.3088}]},"summary":{"result":"success","short":"Representatives from Oakview Financial call Luke to confirm personal information and provide information on annual reviews and cash flow. They emphasize the importance of investing in high growth portfolios and avoiding downturns. The speakers also discuss insurance coverage and the possibility of updating it if the speaker is to pass away with their life and super balance paid out to their family. The agents emphasize the importance of proper diagnosis and treatment, and provide information on fees and risk profiles. The speakers emphasize the importance of being comfortable with the high growth environment and maintaining a high risk level to avoid a downturn."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review this morning. Is now still a good time there for you?","start_word":26,"end_word":47,"intents":[{"intent":"Proceed with review","confidence_score":0.018430544}]},{"text":"I had you booked in to go through your annual review this morning. Is now still a good time there for you? Yes. Yes.","start_word":26,"end_word":49,"intents":[{"intent":"Confirm time","confidence_score":0.10528863}]},{"text":"Now, Luke, we do send through your annual review doc documents to go through with you. Are you able to get into your emails?","start_word":190,"end_word":213,"intents":[{"intent":"Send documents","confidence_score":0.47214112},{"intent":"Check email","confidence_score":0.14882483}]},{"text":"I'm down in Sydney today doing a few things. Oh, wow.","start_word":292,"end_word":302,"intents":[{"intent":"Complete tasks","confidence_score":0.0052579558}]},{"text":"Is there anything specific aside from your super update that you were sort of looking to touch on as part of your annual review? Not really.","start_word":363,"end_word":388,"intents":[{"intent":"Update annual review","confidence_score":0.0082258815}]},{"text":"So you you aim to average 8% on a high did you say high risk investment portfolio? Yeah.","start_word":700,"end_word":717,"intents":[{"intent":"Propose average returns","confidence_score":2.032681e-9}]},{"text":"We we haven't changed the style of investing, have we?","start_word":1159,"end_word":1168,"intents":[{"intent":"Evaluate investment style","confidence_score":0.014144169}]},{"text":"That was actually a good decision to make because the Benelon Australian Equities as of probably November last year, one of their underlying investments, they're invested in what's called Corporate Traveler. That investment actually was dishonest to the market, and it meant that that Benelon had to reevaluate that investment or part of their portfolio.","start_word":1424,"end_word":1478,"intents":[{"intent":"Evaluate investment decision","confidence_score":0.027516289}]},{"text":"So what I would be honest in saying is that if you're not comfortable with with that kind of ups and downs, if you're not comfortable seeing, you know, a lower return and feeling the ups and downs as drastically, then a high growth portfolio may not be suited to you. It might be worth reviewing your risk level.","start_word":1759,"end_word":1817,"intents":[{"intent":"Understand portfolio risk","confidence_score":0.0006354992}]},{"text":"So what I would be honest in saying is that if you're not comfortable with with that kind of ups and downs, if you're not comfortable seeing, you know, a lower return and feeling the ups and downs as drastically, then a high growth portfolio may not be suited to you. It might be worth reviewing your risk level. No.","start_word":1759,"end_word":1818,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.0005993735},{"intent":"Clarify portfolio expectations","confidence_score":0.0022766683}]},{"text":"It might be worth reviewing your risk level.","start_word":1809,"end_word":1816,"intents":[{"intent":"Discuss portfolio risk level","confidence_score":0.016931057}]},{"text":"to get the percentages up where possible. I mean, you know, that's that's what we're aiming for. Right? You guys get a percentage out of what we make. So Yeah. yeah.","start_word":1850,"end_word":1880,"intents":[{"intent":"Set investment objectives","confidence_score":0.00030699358}]},{"text":"We invest in portfolios that have a track record that are meant for long term investing.","start_word":1949,"end_word":1964,"intents":[{"intent":"Discuss portfolio investments","confidence_score":0.008568899},{"intent":"Explain portfolio investment","confidence_score":0.0010375633}]},{"text":"We invest in portfolios that have a track record that are meant for long term investing. We do update and alter portfolios as changes in the market do require, as your risk level requires, but we also know that you're not gonna make a million dollars in a week or a month or one year. It's about investing for the longer term and generating long term wealth.","start_word":1949,"end_word":2015,"intents":[{"intent":"Confirm investment confidence","confidence_score":0.00014781031}]},{"text":"fully I I follow that a Yep. 100%.","start_word":2126,"end_word":2133,"intents":[{"intent":"Follow yep","confidence_score":0.46700442}]},{"text":"to do what I would probably like to do, if you're comfortable, is keep your portfolio for the moment.","start_word":2343,"end_word":2361,"intents":[{"intent":"Update portfolio performance","confidence_score":0.0052848263}]},{"text":"to do what I would probably like to do, if you're comfortable, is keep your portfolio for the moment. We can do a bit of a catch up in maybe three or six months, see how things are tracking along a little bit more closely for you, and then Yep. stay down the track if we need to make any further changes.","start_word":2343,"end_word":2404,"intents":[{"intent":"Stay on track","confidence_score":0.07482854}]},{"text":"We can revisit this Yep. in six months. And like I said, I'm nowhere near retirement level. So retirement age, Yep. so I'm happy to push on with this. Yeah.","start_word":2436,"end_word":2465,"intents":[{"intent":"Schedule retirement","confidence_score":0.00005088245},{"intent":"Reconcile yep","confidence_score":0.000020595338}]},{"text":"Now with your insurance aspect here, your current cover, you've got a a towel policy with life and TBD.","start_word":2523,"end_word":2541,"intents":[{"intent":"Review insurance coverage","confidence_score":0.06779008}]},{"text":"It's a really good question. I'm glad you definitely asked it. Easy. Yeah.","start_word":2838,"end_word":2850,"intents":[{"intent":"Request information","confidence_score":0.017404214}]},{"text":"So I need a a different insurance company because they since other job sites weren't covered, so I've lost a bit of money this year in that aspect. Yeah.","start_word":2878,"end_word":2906,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.03126343}]},{"text":"Have you been able to report to the police and recover any of that at all? Or No.","start_word":2938,"end_word":2955,"intents":[{"intent":"Inquire about police investigation","confidence_score":0.038552478}]},{"text":"Oh, that's a that's a lot of money when you're oh my god. That's horrendous. Yeah.","start_word":2988,"end_word":3003,"intents":[{"intent":"Discuss expenses","confidence_score":0.13313925}]},{"text":"That's I'll just absolutely approach, fine. yeah, I'll just approach, whoever I've got my car through or something like that. Have a chat with Yep. them.","start_word":3082,"end_word":3107,"intents":[{"intent":"Approach insurance company","confidence_score":0.04316332}]},{"text":"With looking at the life cover you have now, if you were to sort of look at your assets and if you were to pass away now with your life and your, say, super balance paid out to your family, Are you kind of wanting do you have any kind of plan on how you would like them to use those funds?","start_word":3117,"end_word":3178,"intents":[{"intent":"Resolve assets and objectives","confidence_score":0.0000037724956}]},{"text":"So, yeah, I'm getting a bank here a bank appraisal or bank evaluation to my broker in the next couple of days. They came out Monday Okay.","start_word":3450,"end_word":3476,"intents":[{"intent":"Get a bank appraisal","confidence_score":0.0038502018}]},{"text":"And then you've also got the boat there. Do you still have your boat?","start_word":3832,"end_word":3845,"intents":[{"intent":"Sell boat","confidence_score":0.17836866}]},{"text":"With your investment property, do you have any other goals to kind of build and add more investment properties to your portfolio, or is it just the two that you've got you comfortable with?","start_word":4000,"end_word":4033,"intents":[{"intent":"Build investment properties","confidence_score":0.24700029}]},{"text":"My primary interest at the moment is paying for this extension on my property because it's again, it's a doesn't give me any tax breaks, my own house. So I wanna pay that down a bit. And once I've got that under control, I will definitely be looking at maybe a unit or something like that in around my area. Yeah.","start_word":4098,"end_word":4158,"intents":[{"intent":"Pay down property","confidence_score":0.1473337}]},{"text":"I will be getting advice on that.","start_word":4188,"end_word":4194,"intents":[{"intent":"Get advice","confidence_score":0.05933238}]},{"text":"on that, and then I'll figure out what I'm gonna do. But the the idea in my head is that in the next sort of five under five years, I'll pick something else Yep. up. Yeah.","start_word":4234,"end_word":4269,"intents":[{"intent":"Determine future direction","confidence_score":0.000752748},{"intent":"Predict future direction","confidence_score":0.00023768238}]},{"text":"sort of estimate your income might be for this year? Have you sort of thought of what you're expecting to earn? Between $2.","start_word":4304,"end_word":4326,"intents":[{"intent":"Determine income projection","confidence_score":0.0067552514}]},{"text":"And occupation wise, you're still technically a shop fitter. Would you change or update your occupation at all? No. No.","start_word":4416,"end_word":4435,"intents":[{"intent":"Determine occupation of shop fitter","confidence_score":0.0008292813}]},{"text":"Just looking at the TBD side of things as well there, you've got the same level of TBD. Now I don't know if anyone's ever kinda gone through with you and explained that while TBD covers you if you were unable to ever go back to work again, TBD, Uh-huh.","start_word":4443,"end_word":4492,"intents":[{"intent":"Determine tbd coverage","confidence_score":0.019634178}]},{"text":"If you claim TBD and you're under the age of 60 and you Yep. take, like, a withdrawal, if you were to withdraw the full amount out, tax is deducted at up to 22% depending on your age and state.","start_word":4591,"end_word":4630,"intents":[{"intent":"Calculate tax deduction maximum","confidence_score":0.000021718675}]},{"text":"Unfortunately, you claim TBD when you're over the age of 60 or I mean, we can keep money inside super and draw money out in smaller increments. That way, whilst you are still paying tax on the amount, the drawdown, you're not paying a big lump sum that over time can reduce. Yes.","start_word":4867,"end_word":4919,"intents":[{"intent":"Keep funds in super fund","confidence_score":0.004681385},{"intent":"Assist with tbd claim","confidence_score":0.0018773632}]},{"text":"We can also do other things like we call them uplift where we move you from one super fund to another.","start_word":4920,"end_word":4940,"intents":[{"intent":"Move funds from super fund","confidence_score":0.02797592}]},{"text":"We can also do other things like we call them uplift where we move you from one super fund to another. The rollover means that the new super fund redoes the math equation for you, and we can double the amount of tax free benefits there. There are things that we can definitely do to help you, but you can't avoid the tax totally.","start_word":4920,"end_word":4983,"intents":[{"intent":"Removing super fund","confidence_score":0.0018902823}]},{"text":"Personal opinion, I think it's disgusting that the government charged tax on a TBD claim because you're unable to go back to work again due to permanent incapacity.","start_word":4984,"end_word":5011,"intents":[{"intent":"Refund tax","confidence_score":0.005371156}]},{"text":"The idea is we have a higher level of cover now when we're younger because we have more debt. We have a lower super balance. When our super balance increases very heavily, we pay out our mortgage and our debt. We don't know we need the insurance any longer. That's kinda how Yeah. Fully that should understand work. that.","start_word":5115,"end_word":5173,"intents":[{"intent":"Understand coverage levels","confidence_score":0.0029827668}]},{"text":"Trauma pays out a benefit, say, if you're diagnosed with cancer, have a heart attack or a stroke, MS, Parkinson's, some major neurological conditions or major diagnoses.","start_word":5337,"end_word":5363,"intents":[{"intent":"Request information about trauma benefits","confidence_score":0.0018209302}]},{"text":"And with income protection, we're also come across. I mean, to play there too, wouldn't it? Yeah.","start_word":5575,"end_word":5591,"intents":[{"intent":"Discuss and reschedule","confidence_score":0.00001650543}]},{"text":"I can even shoot you an email after the call if you like just breaking down what they cover, some of the advantages, some of the things that you might need to consider around income protection and trauma, just so you can kind of think it through, mull it over. Think about your circumstances and what would happen if you were unable to go Yep. to work, Yep. and then we can always come back to it at any point. Absolutely.","start_word":5812,"end_word":5892,"intents":[{"intent":"Request email","confidence_score":0.17999755}]},{"text":"Think about your circumstances and what would happen if you were unable to go Yep. to work, Yep. and then we can always come back to it at any point. Absolutely.","start_word":5862,"end_word":5892,"intents":[{"intent":"Explore case scenarios","confidence_score":0.00013262886}]},{"text":"Would you like us to prefill her information or as much of the form as we possibly can for you to make it a little bit easier? Sure.","start_word":6298,"end_word":6325,"intents":[{"intent":"Obtain and fill out form","confidence_score":0.000019330731},{"intent":"Refill information","confidence_score":0.07584009},{"intent":"Update information","confidence_score":0.0014629216}]},{"text":"you like Just me go to with pick that one. the third Yes, option?","start_word":6544,"end_word":6557,"intents":[{"intent":"Schedule meeting with trustee","confidence_score":0.000045105997}]},{"text":"So, we've actually had an update to our fee structure because we've not updated our fee structure since the company opened.","start_word":6778,"end_word":6798,"intents":[{"intent":"Update fee structure","confidence_score":0.053728327}]},{"text":"look, your your income has definitely increased as well, so that'll be something to definitely look at. Yeah.","start_word":7020,"end_word":7037,"intents":[{"intent":"Evaluate income","confidence_score":0.00027984608},{"intent":"Provide financial advice","confidence_score":0.029279606}]},{"text":"Have That's a look the at the annual review doc you're sorry. yeah.","start_word":7038,"end_word":7050,"intents":[{"intent":"View annual review","confidence_score":0.068067566}]},{"text":"Please let me know if there's any questions there. More than happy to answer it.","start_word":7354,"end_word":7368,"intents":[{"intent":"Ask questions","confidence_score":0.013266655}]}]},"sentiments":{"segments":[{"text":"Speaking. Hi, Luke. It's Dana from Oakview Financial. How are you this morning?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1712210327386856},{"text":"Good. Thank you, Danny. Yourself?","start_word":13,"end_word":17,"sentiment":"positive","sentiment_score":0.4585767686367035},{"text":"Yeah.","start_word":18,"end_word":18,"sentiment":"neutral","sentiment_score":0.26954543590545654},{"text":"Very well. Thank you. Thanks for asking.","start_word":19,"end_word":25,"sentiment":"positive","sentiment_score":0.5996243357658386},{"text":"I had you booked in to go through your annual review this morning. Is now still a good time there for you? Yes. Yes.","start_word":26,"end_word":49,"sentiment":"neutral","sentiment_score":0.29862096905708313},{"text":"We can Fantastic.","start_word":50,"end_word":52,"sentiment":"positive","sentiment_score":0.6003921031951904},{"text":"Luke, before we jump into the call, I do have to let you know we do do record our calls for quality and training purposes. Are that. you happy for us to proceed with that? Yeah. No worries.","start_word":53,"end_word":90,"sentiment":"neutral","sentiment_score":0.28269752860069275},{"text":"Fantastic.","start_word":91,"end_word":91,"sentiment":"positive","sentiment_score":0.4572136402130127},{"text":"And just to do a really quick security check there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file. Luke Manning, twenty second of the fourth Yep. '80, and the word is Smith, I think. It is. Yeah. Perfect. Sorry. Had to do the other way just because my system was not loading properly this morning. I couldn't quite see the password. So I was like, oh, I'll just do a three point security checker for you. Easy. No worries.","start_word":92,"end_word":185,"sentiment":"neutral","sentiment_score":0.05025576055049896},{"text":"Thank you so much.","start_word":186,"end_word":189,"sentiment":"positive","sentiment_score":0.372917115688324},{"text":"Now, Luke, we do send through your annual review doc documents to go through with you. Are you able to get into your emails? If you can't, that's honestly okay. I can on a phone Yeah. That's at alright. the moment. Otherwise Yeah. otherwise, if you want me, I can just sort of go through things, and you're welcome to have a look at them later. It's more your preference and what you're able to do. Yeah. That might be easier. Yeah. That's okay. That's not a problem at all. How's your morning been so far? Not too bad. Not too bad. I'm down in Sydney today doing a few things. Oh, wow. Wow. Yep. For work or bit of a holiday? No. No. No. It's still working. Just For I'm work. handing a yeah. Handing over a project.","start_word":190,"end_word":328,"sentiment":"neutral","sentiment_score":0.08378760516643524},{"text":"So Nice.","start_word":329,"end_word":330,"sentiment":"positive","sentiment_score":0.34961849451065063},{"text":"It's Oh, all good. Google easy. Well, I'll try not to take up too much of your time. We'll just sort of hit on the Mhmm. things that we definitely need to. Is there anything specific aside from your super update that you were sort of looking to touch on as part of your annual review? Not really. I mean, no. I I I don't know if it's on the file there. I I did speak with purchasing a portion of a business, which has happened this year. Yes. Perfect. Yeah. So there will be a little bit more cash coming in, but other than that, yeah, no. I I don't really know if there's anything else we need to discuss other than the super. Yes. That's absolutely fine.","start_word":331,"end_word":459,"sentiment":"neutral","sentiment_score":0.03370125830000223},{"text":"That's not a problem at all.","start_word":460,"end_word":465,"sentiment":"positive","sentiment_score":0.3830139935016632},{"text":"Well, I'll jump into it and give you an update. So Yep. just sort of looking back at your annual review last year, your balance then was 134,928. Essentially, looking at and then Kyle, my colleague, did some advice last year to switch your investments there for you as well, and then having a look at your balance as of the annual review this year, your balance as of the July 31, which is when we did the documents, that'd be sitting at a $162,004.83. When we look at the returns from your portfolio as a net return to after fees, in the last twelve months, you're up by 7.35%.","start_word":466,"end_word":575,"sentiment":"neutral","sentiment_score":0.11840695887804031},{"text":"So it is good. I'm happy with that return. It is generally for a high growth portfolio a little bit lower than where we'd like it to be, but the fact that you've come out this year with a positive return is a good thing.","start_word":576,"end_word":620,"sentiment":"positive","sentiment_score":0.4723525941371918},{"text":"There has been a lot of market volatility with what's been going on in the world generally. So whilst it is lower, normally the high growth portfolio, you're averaging about eight to 10%. So this is slightly under where we'd expect it to be, but given the market conditions this year, personally, I'm pretty happy with that.","start_word":621,"end_word":677,"sentiment":"neutral","sentiment_score":0.17002452909946442},{"text":"You've also just gone through the investment switches, and that was actually a really good thing.","start_word":678,"end_word":693,"sentiment":"positive","sentiment_score":0.6452693343162537},{"text":"So yeah. Okay. So sorry. So you you aim to average 8% on a high did you say high risk investment portfolio? Yeah. It's a high the high growth sort of portfolio that High you're growth. looking Sorry. at. Yeah. The expected Has that always return been of eight an percent? Because I thought it was yeah. much higher than that. So the portfolio that you were recommended last year had a five Uh-huh. year rolling average showing about 16%. A That's high a what I five thought. year Yeah. rolling average is the average over the last five years. However, when we look at risk level returns, we're looking at for a high growth portfolio an average of eight to 10%.","start_word":694,"end_word":815,"sentiment":"neutral","sentiment_score":0.14522468710898376},{"text":"That's a normal expected return. It's also a more conservative rate of return that you're looking to try and achieve. Obviously, you want a much higher return, and investment portfolios can return much greater.","start_word":816,"end_word":849,"sentiment":"positive","sentiment_score":0.4304131865501404},{"text":"However, markets are volatile. They do go up and down. You're not gonna get 16% every year. And when you look at the return that was projected in the SOA, it is just an average over the past five years. So rolling average takes a five year return and averages it out over per year. It's not by any means guaranteed. It's just showing you how those investors have They've performed performed over the and last five years. Yeah. correct. As an average, and then the projection table at once, if it is able to achieve the same over the next five to ten years, this is where we can expect it to look like. However, market fell volatile this year. It has definitely seen some more ups and downs that were not expected, and therefore, the returns have been a little bit lower than what we sort of like to see, but still a 7% return is actually quite good. A lot of the returns that we have sort of seen with the market have been a little bit lower, and that's because The US year round war, but also high inflation in Australia has affected defensive investments like bonds as well. So we know that some years you're going to get, you know, a great return like maybe six or 20%, but other years it might be a 10% or 7%. And in a high growth portfolio, every once in at least every five years, you can also expect a new return. So these are sort of the expectations around the risk level that you're taking.","start_word":850,"end_word":1117,"sentiment":"neutral","sentiment_score":0.04027934201450935},{"text":"But as I said, I'm pretty happy with the 7% return from what you've seen with the investment switches. Your portfolio has grown quite nicely as well. Does that make sense?","start_word":1118,"end_word":1148,"sentiment":"positive","sentiment_score":0.6863316893577576},{"text":"Do you have any other questions there at all? No. We we haven't changed the style of investing, have we? Like you said, there was the, sorry, I I missed the terminology there, the high growth. Was it high growth? And then that that was changed as of last year. Did it change or did I just reconfirm that that was what I wanted to be a part of? So if I go back to the advice documents that we had here from last year, that was around at this time. The investments yeah. The investments showed here that you in your wise risk profile, you had scored high growth and that you were happy to retain the high growth environment. You were in high growth prior to that. The updated portfolio is still high growth just to just to switch it to different investment to make sure returns Yep. are still working harder for you. And Yeah. what were the returns on it last year, percentage wise? So the return so if I pull up your last portfolio, your annual review then. Here we go. The return. Last year, at your annual review, your portfolio made 14.28%. Right. Yeah. It's in with your portfolio last year, one of the good things, and I am happy that Kyle did that advice for you last year, was that last year, whilst you had, you know, a 14% return there, you also had the Benelong Australian equities in that investment portfolio as part of the advice that Kyle presented to you last year that was removing that investment and swapping it out with the a 200. That was actually a good decision to make because the Benelon Australian Equities as of probably November last year, one of their underlying investments, they're invested in what's called Corporate Traveler.","start_word":1149,"end_word":1453,"sentiment":"neutral","sentiment_score":0.0965157345181606},{"text":"That investment actually was dishonest to the market, and it meant that that Benelon had to reevaluate that investment or part of their portfolio. Corporate traveler is actually on a trading halt while they've been investigated. The Benelon investment is actually down by about 10 to 20% in most portfolios currently.","start_word":1454,"end_word":1504,"sentiment":"negative","sentiment_score":-0.6151965260505676},{"text":"Alright.","start_word":1505,"end_word":1505,"sentiment":"neutral","sentiment_score":0.011343225836753843},{"text":"So whilst the return is slightly lower, Kyle giving you that advice last year and you swapping your investment, investments out within that high growth environment has actually worked out better for you. It's actually a very good decision, and it meant that you're up where some other people might be feeling it down at the moment as well.","start_word":1506,"end_word":1564,"sentiment":"positive","sentiment_score":0.3919699192047119},{"text":"Okay. Yeah. Do you have any further questions or anything else to clarify? You're welcome to let me know if you do. No. Yeah. Yeah. No. Yes. It's it's very comfortable having a conversation. Yeah. No. I just yeah. That's I was okay. just curious. Obviously, I Yeah. know that the world is upside down at the moment, but 7% Mhmm. 7% isn't obviously something I was gonna be cheering about as a return. Like, when we talked about the initial figure that was in my super to start the year and then where it had come to and obviously just the con contributions that would have went through the year, that didn't seem like it grew very much at all.","start_word":1565,"end_word":1685,"sentiment":"neutral","sentiment_score":-0.02433608286082745},{"text":"Oh, the biggest sort of downturn was around March and April this year, which is when majority of the investments did see the downturns with what was happening between Iran and America.","start_word":1686,"end_word":1717,"sentiment":"negative","sentiment_score":-0.34863021969795227},{"text":"So a lot of that volatility has affected everyone, but it's important to note that when you are in that high growth environment, as your balance increases over time, you are gonna feel those ups and downs a lot more.","start_word":1718,"end_word":1757,"sentiment":"neutral","sentiment_score":-0.25357547402381897},{"text":"So what I would be honest in saying is that if you're not comfortable with with that kind of ups and downs, if you're not comfortable seeing, you know, a lower return and feeling the ups and downs as drastically, then a high growth portfolio may not be suited to you. It might be worth reviewing your risk level. No.","start_word":1758,"end_word":1817,"sentiment":"negative","sentiment_score":-0.4253118932247162},{"text":"I'm still comfortable with that being that I'm nowhere Mhmm. near retirement. I'm not too stressed Yeah. about it. I obviously just been querying it and pushing Yeah. the envelope That's fine. to get the percentages up where possible. I mean, you know, that's that's what we're aiming for. Right? You guys get a percentage out of what we make. So Yeah. yeah. Correct. And that's It's in why everyone's we best have interest. this absolutely. It's in yeah. Absolutely. Yeah. Yeah. No. Of course. Understandable. And my job is also to be really honest with you and let you know that you're not always going to get a 16% return. Markets do go up and down. We do not try to pick the top and the bottom of the market. We invest in portfolios that have a track record that are meant for long term investing. We do update and alter portfolios as changes in the market do require, as your risk level requires, but we also know that you're not gonna make a million dollars in a week or a month or one year. It's about investing for the longer term and generating long term wealth. We do know that, well, the the portfolio has generated great returns in the past, there's no guarantee that those returns are going to keep up in the future, and we do not know what's gonna happen next during the market as well. So there could be a recession in a year or two, and you may see a negative 10% return. It's about making sure that you're comfortable with the risk level you're taking so you Uh-huh. can stay invested through those downturns, keep your Yep. contributions going in, and take advantage of the compounding effect as it increases there. Does that make sense? Does that Yeah. I help? fully I I follow that a Yep. 100%.","start_word":1818,"end_word":2133,"sentiment":"neutral","sentiment_score":0.0006483476225852589},{"text":"Beautiful. Excellent.","start_word":2134,"end_word":2135,"sentiment":"positive","sentiment_score":0.676902174949646},{"text":"Yep. I know it's not always it's not always fun to hear that you've got a lower rate of return.","start_word":2136,"end_word":2155,"sentiment":"neutral","sentiment_score":0.08662319928407669},{"text":"I am honestly happy with the 7% return if you're knowing what the markets have done and having seen how other portfolios have performed.","start_word":2156,"end_word":2179,"sentiment":"positive","sentiment_score":0.3895490765571594},{"text":"I've had a lot of these harder conversations this year with clients, and part of my job is to be really honest and let you know this is what is expected. This is what can happen. When we talked to economists recently, they are noting that with changes in the market, there is a bit of a fallback to the property. So they are sort of hoping that inflation will sort of decrease into early next year that can cause more market state state build stability as well. Sorry. Because investors are less concerned about the highest rate from the borrowing capacity and businesses as a whole having to pay back higher interest on loan. So that can have a a definite effect there. But in saying that, who knows what is gonna happen next year? Trump could come out and start another war, and we just have to kinda wait through it. So what I Just would probably yes. 20 like seven. to do what I would probably like to do, if you're comfortable, is keep your portfolio for the moment. We can do a bit of a catch up in maybe three or six months, see how things are tracking along a little bit more closely for you, and then Yep. stay down the track if we need to make any further changes. Or if you find you're not comfortable with the risk level, please speak up and let me know in that time frame. Does that sound okay with you? That's fine. Yeah. We can revisit this Yep. in six months. And like I said, I'm nowhere near retirement level. So retirement age, Yep.","start_word":2180,"end_word":2456,"sentiment":"neutral","sentiment_score":-0.03282981365919113},{"text":"so I'm happy to push on with this.","start_word":2457,"end_word":2464,"sentiment":"positive","sentiment_score":0.3651654124259949},{"text":"Yeah.","start_word":2465,"end_word":2465,"sentiment":"neutral","sentiment_score":0.22476185858249664},{"text":"Beautiful.","start_word":2466,"end_word":2466,"sentiment":"positive","sentiment_score":0.4741204380989074},{"text":"Okay.","start_word":2467,"end_word":2467,"sentiment":"neutral","sentiment_score":0.23212629556655884},{"text":"Excellent.","start_word":2468,"end_word":2468,"sentiment":"positive","sentiment_score":0.4316067695617676},{"text":"Sure.","start_word":2469,"end_word":2469,"sentiment":"neutral","sentiment_score":0.29239922761917114},{"text":"All good.","start_word":2470,"end_word":2471,"sentiment":"positive","sentiment_score":0.40567857027053833},{"text":"In the email, you will see the breakdown of your performance report as well as the summary there.","start_word":2472,"end_word":2489,"sentiment":"neutral","sentiment_score":0.16454847157001495},{"text":"You're welcome to have a bit of a look at those, and let me know if you do know if you do have to have any questions there at all.","start_word":2490,"end_word":2519,"sentiment":"positive","sentiment_score":0.465251624584198},{"text":"Okay?","start_word":2520,"end_word":2520,"sentiment":"neutral","sentiment_score":0.20581364631652832},{"text":"Okay. Excellent.","start_word":2521,"end_word":2522,"sentiment":"positive","sentiment_score":0.4906565546989441},{"text":"Now with your insurance aspect here, your current cover, you've got a a towel policy with life and TBD. The current Mhmm. sum insured that you have there is a bit over 1,300,000. So 1,000,000 is 356,588 of life and TBD paid out of your super fund there. Just looking at that life cover, if you were to pass away today, as an example, the life cover pays out, but then your super balance pays out on top of that. Sorry. Just double checking. Where is your main goal for that last year was to have it all sort of paid to your partner? Is that still Yes. where you'd like us to go? Is to go to Sasha? Yeah. Correct. Yep. Yep.","start_word":2523,"end_word":2645,"sentiment":"neutral","sentiment_score":0.05833220109343529},{"text":"Beautiful.","start_word":2646,"end_word":2646,"sentiment":"positive","sentiment_score":0.57124924659729},{"text":"Do you feel like the level that you are covered for is efficient? Did you want to look at maybe updating that at all or reevaluating the insurances? Well, I think the I think the cover there is fine. Do you do other types Yep. of insurance as well? Yeah. Just Absolutely. life and show life and TPD? What about, No. No. So sorry. Go yeah. You're right. No. So we definitely do. We ahead. look at life, PPD, income protection, trauma cover. We can look at different types of business cover depending on what you're after. What sort of insurances Alright. are you sort of looking to try and get? Insurance on tools and things like that? Do you cover personal items, equipment, things like that? We we don't do those because they're more general I don't types think of so. insurances. Yeah. That's okay. Do you have, like, a general insurance broker that can look after those things? If not, I could always look I and do. see if Yeah. I can I find just something. thought I'd ask while Yep. we're on the phone. Yeah.","start_word":2647,"end_word":2834,"sentiment":"neutral","sentiment_score":0.01443473502319861},{"text":"That's absolutely fine. It's a really good question. I'm glad you definitely asked it. Easy.","start_word":2835,"end_word":2849,"sentiment":"positive","sentiment_score":0.692879319190979},{"text":"Yeah. I've Perfect. I've had yeah. I've experienced a couple of break ins on my job sites recently and have lost, Oh. you know, yeah, like, countless items. So I need a a different insurance company because they since other job sites weren't covered, so I've lost a bit of money this year in that aspect.","start_word":2850,"end_word":2905,"sentiment":"neutral","sentiment_score":-0.18116845190525055},{"text":"Yeah. That's horrible. Gosh.","start_word":2906,"end_word":2909,"sentiment":"negative","sentiment_score":-0.5385028123855591},{"text":"Yeah. Yeah. Enjoys being a tradie. Anyway, I just thought That's I'd ask while yeah. I had you Not on the phone. great. Yeah. Absolutely. That's not great. Have you been able to report to the police and recover any of that at all? Or No. No. No. No. No. I've I've reported No.","start_word":2910,"end_word":2963,"sentiment":"neutral","sentiment_score":-0.1049431785941124},{"text":"It's that the a shame.","start_word":2964,"end_word":2968,"sentiment":"negative","sentiment_score":-0.48958173394203186},{"text":"police that did forensics and all that sort of thing. Detectives got involved, but I'm still out about $35.","start_word":2969,"end_word":2987,"sentiment":"neutral","sentiment_score":-0.2591606676578522},{"text":"Oh, that's a that's a lot of money when you're oh my god. That's horrendous.","start_word":2988,"end_word":3002,"sentiment":"negative","sentiment_score":-0.5397562980651855},{"text":"Yeah. Just piecing Yeah. No. the tools back together over time now, and then That's I'll just have to change my insurance because they're job site. It doesn't cover tools. It covers tools and vehicles and my personal, you know, my property and at my Yeah. my place of business, but not on job Yep. sites. So I need a portable insurance. So I just wanted to ask while we had while we're talking about expenses. Yeah. That's fine. That's I'll just absolutely approach, fine. yeah, I'll just approach, whoever I've got my car through or something like that. Have a chat with Yep. them. That's Too easy. absolutely fine.","start_word":3003,"end_word":3112,"sentiment":"neutral","sentiment_score":-0.03295687213540077},{"text":"Perfect. Easy done.","start_word":3113,"end_word":3115,"sentiment":"positive","sentiment_score":0.5194216370582581},{"text":"With looking at the life cover you have now, if you were to sort of look at your assets and if you were to pass away now with your life and your, say, super balance paid out to your family, Are you kind of wanting do you have any kind of plan on how you would like them to use those funds? Is it to kind of pay off both the properties you have, or what's the what would be the goal with that? No. The property that I have now, we own next to nothing on. And Yep. the investment property is, I mean, is a tax write off, I guess, at this stage. I just wanted to just maybe throw a couple of maybe a $100,150,000 into it just to bring it down so that we it it looks after itself a little bit better.","start_word":3116,"end_word":3262,"sentiment":"neutral","sentiment_score":-0.03802437335252762},{"text":"But other than that, my wife does a pretty good job. She can look after herself, and a million Yep.","start_word":3263,"end_word":3282,"sentiment":"positive","sentiment_score":0.33849284052848816},{"text":"bucks in her pocket would be fine to keep her moving Yeah. to Well, find a new if husband. you sort of absolutely. If you sort of had a look at that, I mean, your Super Balance plus your life cover, essentially, covers So you for a one bit point over 1,500,000 five. there. So, realistically, she'd have more than a million dollars to sort of live on that could definitely provide a decent benefit for her. Yep. With your main primary residence, the asset value we had last year was about 1,300,000. What would Yep. you put out value wise on that at the moment? I could give you a more accurate figure later on in the week. We've just had a bank come around and do a an evaluation on it. I Mhmm. think current currently, we owe about $50,000 on the property, and we've just been we're just going through the approval process of doing a renovation. Quite a quite Mhmm. an extensive extension. So, yeah, I'm getting a bank here a bank appraisal or bank evaluation to my broker in the next couple of days. They came out Monday Okay. to do Perfect. that. But I would Yeah. say Lovely.","start_word":3283,"end_word":3486,"sentiment":"neutral","sentiment_score":0.06014690175652504},{"text":"it'll be around Excellent.","start_word":3487,"end_word":3490,"sentiment":"positive","sentiment_score":0.4000934362411499},{"text":"the one point five. About the one point five.","start_word":3491,"end_word":3499,"sentiment":"neutral","sentiment_score":0.0341896153986454},{"text":"Beautiful.","start_word":3500,"end_word":3500,"sentiment":"positive","sentiment_score":0.6218987703323364},{"text":"I'll just update it to that for the moment, and then we can update that when you get that appraisal back.","start_word":3501,"end_word":3521,"sentiment":"neutral","sentiment_score":0.2837769389152527},{"text":"Fantastic.","start_word":3522,"end_word":3522,"sentiment":"positive","sentiment_score":0.5193164348602295},{"text":"Yeah. I'm And sure with the banks the investment are gonna tell me property it's worth I'm I'm sure the banks will say it's worth $7.50 or something, you know, that they always try and lowball yeah. you, but Absolutely. yeah. Like, going on the current market going on the current Yeah. market, the house would sell for about 1.8, but the bank's probably gonna Okay. value it at 1.4, 1.5, I would say. Yeah. Absolutely. No. Definitely. Yep. And with the investment property, what sort of value would you put on that? We had about 400,000 last year. Yeah. I think it'll be about $5.05 20 now. $5.20? Excellent. Beautiful. And the mortgage on the investment property was sitting at about 400,000 last year. Have you is that It's principal and no. interest It's or just interest only? it's principal and interest, but it's still sitting around Yep. the same. Perfect. There we go. I'll put as little into Excellent. that as I can at the moment. Oh, absolutely. Paying off your main primary residence as a nondeductible debt is definitely the way to reduce that quicker. Absolutely. Exactly. Yep. Yep. No. Perfect. I've also got your unit here at asset value of 70,000. What sort of value would you put on the unit? I don't know. Maybe 60 now. It's depreciated a bit, 60? Yep. That's I guess. absolutely fine. That's Yep. okay. And debt value was about 10,000. Do you still have the debt on view? No. I'll I'll pay that in the next month. I owe, like, $900 on it. Okay. Perfect. I I I Fantastic. just checked I just checked the account last week. I'm pretty sure I've got one more payment.","start_word":3523,"end_word":3809,"sentiment":"neutral","sentiment_score":0.03819742426276207},{"text":"Oh, fantastic. That'll be nice. One less debt to worry about.","start_word":3810,"end_word":3820,"sentiment":"positive","sentiment_score":0.48437774181365967},{"text":"Another thousand bucks And a month then in my pocket.","start_word":3821,"end_word":3830,"sentiment":"neutral","sentiment_score":0.16982433199882507},{"text":"absolutely.","start_word":3831,"end_word":3831,"sentiment":"positive","sentiment_score":0.5748564004898071},{"text":"And then you've also got the boat there. Do you still have your boat? I do still have a vote. Yep. And the value on that last year was about 18,000. What's the value would you put on it at the moment? I reckon 14. 14 Yeah. thousand.","start_word":3832,"end_word":3879,"sentiment":"neutral","sentiment_score":0.07795637845993042},{"text":"Beautiful.","start_word":3880,"end_word":3880,"sentiment":"positive","sentiment_score":0.5277277231216431},{"text":"Yep. And then I've also got your caravan with a value of 15,000. What Yeah. sort of value Maybe would make you put that on that now? $12.12 or 13. Yep.","start_word":3881,"end_word":3911,"sentiment":"neutral","sentiment_score":0.06425178050994873},{"text":"Fantastic.","start_word":3912,"end_word":3912,"sentiment":"positive","sentiment_score":0.5115184783935547},{"text":"Yep.","start_word":3913,"end_word":3913,"sentiment":"neutral","sentiment_score":0.24142137169837952},{"text":"Excellent.","start_word":3914,"end_word":3914,"sentiment":"positive","sentiment_score":0.4462459683418274},{"text":"Do you wanna And buy do you either have of any those things? kind of I actually don't at the moment. My husband's not a caravan. I'm gonna be really honest with you. He's also not a boat person. My my my children have outgrown it. It's too small for us, but yeah. Anyway, it's just sitting in my driveway Yep. in the way at the moment. It needs to go, but I don't have time to sell it. No. Oh. Understandable. Anyway. All good. With your investment property, do you have any other goals to kind of build and add more investment properties to your portfolio, or is it just the two that you've got you comfortable with? What's kind of that in No. Eventually or in the next couple of years, goal? like I said, I've just come into a business. So I purchased Yep. a a portion of a business, and this is the first year that I'll be taking director's drawers. So I'm still Mhmm. very, very new to that and what that means for my cash flow. Yeah. My primary interest at the moment is paying for this extension on my property because it's again, it's a doesn't give me any tax breaks, my own house. So I wanna pay that down a bit. And once I've got that under control, I will definitely be looking at maybe a unit or something like that in around my area. Yeah. Yes. Yes.","start_word":3915,"end_word":4160,"sentiment":"neutral","sentiment_score":0.000692745903506875},{"text":"Perfect.","start_word":4161,"end_word":4161,"sentiment":"positive","sentiment_score":0.4449295401573181},{"text":"Yep. Are you looking to sort of buy off the plan to kinda get the best the tax rates now those changes have gone through?","start_word":4162,"end_word":4186,"sentiment":"neutral","sentiment_score":-0.06244915246963501},{"text":"No.","start_word":4187,"end_word":4187,"sentiment":"negative","sentiment_score":-0.3716583847999573},{"text":"I will be getting advice on that. I haven't even thought that far ahead. I'm more more more focused on bringing down the debt that I'm about to jump into. Yeah. I'm borrowing That's a bit of okay. money to yeah. So that yeah. Working Yep. on that, and then I'll figure out what I'm gonna do. But the the idea in my head is that in the next sort of five under five years, I'll pick something else Yep. up. Yeah.","start_word":4188,"end_word":4269,"sentiment":"neutral","sentiment_score":-0.06010052189230919},{"text":"Fantastic. Excellent. Yep.","start_word":4270,"end_word":4272,"sentiment":"positive","sentiment_score":0.5202476978302002},{"text":"And I know you said there's a lot a lot of changes coming with that new with you having purchased into business and income side of things. What do you Mhmm. sort of estimate your income might be for this year? Have you sort of thought of what you're expecting to earn? Between $2.50 and 300. Okay.","start_word":4273,"end_word":4329,"sentiment":"neutral","sentiment_score":0.05755041539669037},{"text":"Perfect.","start_word":4330,"end_word":4330,"sentiment":"positive","sentiment_score":0.3439384996891022},{"text":"And So three I have 100. a I Excellent. have a, like, a, yeah, I have a salary package of about, like with all the inclusions and everything, I think it's about 100 and 140 Yep. 5, and then the directors the drawers are usually about 45 a quarter, 40 a quarter, something like that Fantastic. conservatively. So about, you know, 140 and 160, somewhere around that. If you said $2.50 to be conservative, then it'll be between Yep. $2.50, 300 before tax. Absolutely.","start_word":4331,"end_word":4414,"sentiment":"neutral","sentiment_score":0.12343435734510422},{"text":"Fantastic.","start_word":4415,"end_word":4415,"sentiment":"positive","sentiment_score":0.4375092089176178},{"text":"And occupation wise, you're still technically a shop fitter. Would you change or update your occupation at all? No. No. No. That's okay. That's alright. And sorry. Just looking at the TBD side of things as well there, you've got the same level of TBD. Now I don't know if anyone's ever kinda gone through with you and explained that while TBD covers you if you were unable to ever go back to work again, TBD, Uh-huh. if you claim successfully and withdraw money and you're under the age of 60, you actually are you do pay tax on that. Taxes up to 22%. If you were, say, TBD with the level of cover you have, would you still be able to earn, say, director's fees or income from the business you've purchased into? Do you feel like that would still be appropriate level of cover even with the tax component to I don't follow. What do you mean? If I if I was if it? I was injured. Is that what you're saying? Yeah. If you claim TBD and you're under the age of 60 and you Yep. take, like, a withdrawal, if you were to withdraw the full amount out, tax is deducted at up to 22% depending on your age and state. So just to kind of show you. What is Let's the see. figure Five that I would five be eight. drawing on? What is the overall figure? So out of the 1,300,000 at the highest tax rate of 22%, it's about $289,000 in tax. So you'd still Uh-huh. get over a million Over dollars a million if you drew bucks. the whole thing out, but it's Yep. just about making sure you're aware that that is a possibility. The tax is up to 22%, and if you claim TBD, we obviously do provide advice to help minimize the tax, keep the draw out draw downs as minimum as possible if you're happy to keep it inside the super system to help minimize that. And there's this a whole big math equation they use to work out the tax rate. It goes upon your age versus the age of 65, and the ACO has, like, a a tax table for that. But we're just letting you know that is the possibility if you were to claim TBD, it could be up to 22% tax if you draw on the funds, which means that you might lose about $298,000 off the amount you're covered for and just making sure that that level of cover you're covered for is still appropriate based on that. It would still be. Yeah. But how do you avoid That's that? okay? You can't. Unfortunately, you claim TBD when you're over the age of 60 or I mean, we can keep money inside super and draw money out in smaller increments. That way, whilst you are still paying tax on the amount, the drawdown, you're not paying a big lump sum that over time can reduce. Yes. We can also do other things like we call them uplift where we move you from one super fund to another. The rollover means that the new super fund redoes the math equation for you, and we can double the amount of tax free benefits there. There are things that we can definitely do to help you, but you can't avoid the tax totally.","start_word":4416,"end_word":4983,"sentiment":"neutral","sentiment_score":-0.02154724642349092},{"text":"Personal opinion, I think it's disgusting that the government charged tax on a TBD claim because you're unable to go back to work again due to permanent incapacity.","start_word":4984,"end_word":5011,"sentiment":"negative","sentiment_score":-0.6753939986228943},{"text":"It is a big thing, Why but not?","start_word":5012,"end_word":5019,"sentiment":"neutral","sentiment_score":-0.24093934893608093},{"text":"They I don't text us like on they absolutely do that.","start_word":5020,"end_word":5030,"sentiment":"negative","sentiment_score":-0.3337991535663605},{"text":"everything. They And text that us is in exactly every direction. correct. They text your money That's going exactly in. They text your money going out. They text us tax tax tax correct. tax Everywhere, Correct. The other side of it is if you were to claim on TPD and you are over the age of 60, the good news is it's completely text. tax free, but not many people keep TPD beyond the age of 60 because if you are unable to work. The idea is we have a higher level of cover now when we're younger because we have more debt. We have a lower super balance. When our super balance increases very heavily, we pay out our mortgage and our debt. We don't know we need the insurance any longer. That's kinda how Yeah. Fully that should understand work. that. Yep. Yeah. That makes sense. Yep.","start_word":5031,"end_word":5179,"sentiment":"neutral","sentiment_score":-0.09912109375},{"text":"Perfect. All good.","start_word":5180,"end_word":5182,"sentiment":"positive","sentiment_score":0.3847622871398926},{"text":"So I'll keep those levels of cover as it is there at the moment. You don't have any income protection or trauma. Has anyone in the past gone through what those types of cover are? Did Yep. you wanna look at getting any I additional know what insurances, or are what you was just the happy second with one? that? Sorry. You had the income protection. What In was the other one? a trauma. Trauma. Yeah. What does that what does that cover? I know So that should trauma be self can pay explanatory. at no. No. It's all good. Trauma can pay at a lump sum tax free benefit if you're unable to, say, diagnose with a major traumatic condition. It doesn't matter whether you're working or not.","start_word":5183,"end_word":5311,"sentiment":"neutral","sentiment_score":-0.02587867460336334},{"text":"Trauma is an out of pocket expense.","start_word":5312,"end_word":5318,"sentiment":"negative","sentiment_score":-0.4074454307556152},{"text":"You can't hold that kind of cover inside super the way you can with your life and CBD. Trauma pays out a benefit, say, if you're diagnosed with cancer, have a heart attack or a stroke, MS, Parkinson's, some major neurological conditions or major diagnoses. It can be one of the first things that is paid out for. You can't claim trauma if, like, you break a leg or something like that. It's gotta be a major diagnosis. Right. But wouldn't that be covered under T. V. Yeah. D. Anyway? It would be if you're unable to ever go back to work again, but the major thing we find with CBD is that two doctors, one being a specialist, has to sign off on a TBD claim. And Yep. if you're still going through treatment, if they're still trying to treat you, then you're not actually able to claim on TBD. So trauma can pay out that benefit to give you a bit of time to go through recovery, seek treatment if you if it's not covered by Medicare, take time off work if you have to obviously drop hours or just pay down a mortgage or, you know, cover a certain level of cover. If Yep.","start_word":5319,"end_word":5525,"sentiment":"neutral","sentiment_score":-0.12961886823177338},{"text":"you still can't go back to work again, the doctors go, look. It's stage four cancer. You're not gonna work again.","start_word":5526,"end_word":5546,"sentiment":"negative","sentiment_score":-0.4208258986473083},{"text":"Stop. You know, we're happy to sign the documents, then you can claim on TBD. But often, trauma's Yeah. Okay. claimed on well well and truly before. Yeah. And with income protection, we're also come across. I mean, to play there too, wouldn't it? Yeah. If Income you had protection if you had cancer definitely and you were would. laid up in hospital. Yeah. Absolutely. Income protection, you do have a waiting period that you have to adhere to. Generally, the Yep. waiting period Twenty is one anywhere days. between thirty, sixty, or ninety days depending on what you agree to. You Yep. have to be off work for that period of time, and then, normally, the claim is paid generally thirty days after that waiting period so long as all the documents are provided nice and quickly. Yep. Income protection is paid for. The time of the claim allowable, you can have two years, five years, or at age 65 depending on what you've agreed to with the policy. Yep. But it does also generally claim to be for TBD as well because you are still seeking treatment, and doctors can't sign off on TBD until Mhmm. they confirm they're no longer seeking treatment. You're just never gonna get back to work again, and that is a pretty big claim for a doctor to sign off on. Yeah. Okay. Yeah. Am I able to revisit this at any stage throughout the year? Oh, absolutely. Yeah. Definitely. Yes. If you feel like that you want to look at income protection or trauma, let me know. I can even shoot you an email after the call if you like just breaking down what they cover, some of the advantages, some of the things that you might need to consider around income protection and trauma, just so you can kind of think it through, mull it over. Think about your circumstances and what would happen if you were unable to go Yep. to work, Yep. and then we can always come back to it at any point. Absolutely. Okay. Yeah. No worries. I I'd like that. Yeah. Send shoot me over an Yep. email so I can have a read through it. But at this stage, Yes. yeah, no.","start_word":5547,"end_word":5923,"sentiment":"neutral","sentiment_score":-0.009482575130873711},{"text":"Fantastic. I'm fine.","start_word":5924,"end_word":5926,"sentiment":"positive","sentiment_score":0.3952155411243438},{"text":"I have have income protection in that through the union.","start_word":5927,"end_word":5936,"sentiment":"neutral","sentiment_score":0.1449095606803894},{"text":"So Oh, fantastic. As long as you got something to fall back on, if you can't work, that's a good thing. And we Yes. live with the way your business is structured now with you buying and everything. You'll probably also still be able to get some sort of income out of it too.","start_word":5937,"end_word":5990,"sentiment":"positive","sentiment_score":0.5110201835632324},{"text":"So that can offset income protection claims. They tend to look at whether you're able to get income, how much you've earned prior to the claim, and then work out Mhmm. what you're eligible for. So have a sort Yeah. of think I about can those. But I'll add those sort of things into the email for you just so you've got some information to break down to think about so you can decide whether it's something you would like to look at or not. Yeah. Okay? It might be something I'd change to in the future. I might step Yeah. out of the union Absolutely. or something, so it'd be it'd be good to have that information. Yeah. Thank you. Yeah. Absolutely. Now I was having a look at your circle with the estate planning side of things. I can see you don't have a beneficiary nomination on file. One of the big things I I would think like I to make sure happens is that sorry. You're right? sorry. Yeah. No. I think you did and last year, you did send me through the forms, and I forgot to fill them out, but that would be the same person. Can Yep. I just That's do okay. that over We'll the phone need and to. and nominate Sasha? Unfortunately, we can't. I do have to send the form to you to be signed. They have to be signed, and witness is the main thing. But I can get my team to prefill them for you with her information if you would like. Yeah. That'd be great. If you could, yeah, send them over Yep. again, and then I'll I'll forward them back. Not a problem at all. Can I I just promise grab a couple I'll actually of details? do Are it. you happy? That's okay. Would you like us to prefill her information or as much of the form as we possibly can for you to make it a little bit easier? Sure.","start_word":5991,"end_word":6325,"sentiment":"neutral","sentiment_score":0.06264227211697777},{"text":"That'd be great.","start_word":6326,"end_word":6328,"sentiment":"positive","sentiment_score":0.6099733114242554},{"text":"Yep.","start_word":6329,"end_word":6329,"sentiment":"neutral","sentiment_score":0.29104161262512207},{"text":"Beautiful.","start_word":6330,"end_word":6330,"sentiment":"positive","sentiment_score":0.4742333889007568},{"text":"Do you know her date of birth? 08/28/1980. Of August.","start_word":6331,"end_word":6340,"sentiment":"neutral","sentiment_score":0.04826519638299942},{"text":"Beautiful. Her birthday is coming up. That is fantastic. Thank you for reminding me.","start_word":6341,"end_word":6354,"sentiment":"positive","sentiment_score":0.5660262703895569},{"text":"I've got no worries. I hope it's correct. If you get the document and she goes, hey, my god. That's not my birthday. Please let me know straight away, and I'll have it prefixed up for you. Honestly, it's either the twenty seventh or the twenty eighth. I can never remember. I'm pretty sure it's the twenty eighth. That's okay. Not Terrible a problem husband. at all. No. You are honestly fine. No stress at all. I'll take a 100% of the benefit to be paid to her. Yep. There are essentially three different types of nominations. One of them is nonbinding where you decide who you want the money to go to if you pass away. Unfortunately, the trustee gets to make the decision, and your nomination is kept only as a guide. You can also have a binding nomination, which means you have to refill the format every three years, or I can pick it as a binding non matching nomination, which means we do it this time. It holds the trustee to follow your direction, and you never have to fill this format again. Would Yeah. you like Just me go to with pick that one. the third Yes, option? please. Yes. Thank Yep. you.","start_word":6355,"end_word":6562,"sentiment":"neutral","sentiment_score":0.07740945369005203},{"text":"Perfect. Easy done.","start_word":6563,"end_word":6565,"sentiment":"positive","sentiment_score":0.4534017741680145},{"text":"I'll get my team to do that up and send it out for you. Just the Mhmm. last couple of things to look at there. At I think super, we're still looking at age 65. Is that still your goal for accessing super? Did you wanna alter that at all? No. No. I think that's fine then. That'd be good. Yep. Beautiful. Yep.","start_word":6566,"end_word":6628,"sentiment":"neutral","sentiment_score":0.083173006772995},{"text":"At this Excellent.","start_word":6629,"end_word":6631,"sentiment":"positive","sentiment_score":0.35032349824905396},{"text":"stage. Yeah. Yeah.","start_word":6632,"end_word":6634,"sentiment":"neutral","sentiment_score":0.17952987551689148},{"text":"Perfect.","start_word":6635,"end_word":6635,"sentiment":"positive","sentiment_score":0.33515965938568115},{"text":"And your I can always go through and do a bit of a risk profile questionnaire. If you Perfect. And your I can always go through and do a bit of a risk profile questionnaire if you would like to to reassess your risk profile. But are you happy to stay in a high growth environment? Did you wanna look at maybe reducing that or reevaluate that risk profile? No. I'm happy where it is at the moment.","start_word":6636,"end_word":6713,"sentiment":"neutral","sentiment_score":0.07664712518453598},{"text":"Thanks.","start_word":6714,"end_word":6714,"sentiment":"positive","sentiment_score":0.3631687760353088},{"text":"Offer our conversation. Happy That's with fine. that? Yep.","start_word":6715,"end_word":6723,"sentiment":"neutral","sentiment_score":0.20975491404533383},{"text":"That's absolutely fine.","start_word":6724,"end_word":6726,"sentiment":"positive","sentiment_score":0.3353904187679291},{"text":"If anything comes up or you feel kinda concerned or nervous, please do let me know. It's not a problem at all. The Yep. only other No thing worries. I do have to let you know is we have sent out, as part of the review document, our ongoing service agreement. So, we've actually had an update to our fee structure because we've not updated our fee structure since the company opened. Essentially, moving forward, your ongoing service fee to our services remains at 1.65% until your Mhmm. balance hits hits 200,000. Once it hits 200,000, we actually have a drop in fee structure. So it goes from 1.65% to 1.375, and then once your balance is over 500,000, down to 1.10 percent. And then when it gets to a million dollars and over, it drops to 0.825%. So our fee structure used to cap at $600,000. It now doesn't cap until 2,000,000. However, with the ongoing tiered structure, every time you hit a new key, your ongoing service fee actually drops a little bit. So the higher your Yep. balance goes, the lower the percentage is. It actually works out into your favor for you. Because your balance is still under 200,000, it's still sitting at 1.6. So 1.65% at the moment, but we'll make sure as we kind of review that each year, we give you an updated Mhmm. figure of how much you're expected to pay for the next year, and we'll show you that as part of your annual review document. Do you have any questions in relation to that at all? No. That's fine. Just try and Nope. get me the That's 200 okay.","start_word":6727,"end_word":7005,"sentiment":"neutral","sentiment_score":0.05181701669609675},{"text":"grand as quick as you can. Oh, definitely give it a shot. And Yeah. look, your your income has definitely increased as well, so that'll be something to definitely look at.","start_word":7006,"end_word":7036,"sentiment":"positive","sentiment_score":0.5795877575874329},{"text":"Yeah. Have That's a look the at the annual review doc you're sorry. yeah. No. So that is projected, and it will vary every year depending on, obviously, returns in the company. Yeah. But yeah. Yep. Correct. That's all I Yeah. wanted to say. Absolutely. No. That's okay.","start_word":7037,"end_word":7084,"sentiment":"neutral","sentiment_score":0.023980140686035156},{"text":"You're absolutely fine.","start_word":7085,"end_word":7087,"sentiment":"positive","sentiment_score":0.4246588945388794},{"text":"Feel free to have a look. I've attached the new the financial services guide for you, which outlines those sorts of things. We have also we never used to charge for additional advice outside of the super insurance side of things. The ongoing service fee does mean that any additional advice with super and or insurances is all complimentary as part of your ongoing service fee. But the it does also show that moving forward, any additional advice for services outside of super will incur a bit of a cost. So that is all outlined, what the cost looks like, and how much it would be depending on what you're after. Feel free to have a look at the ongoing service agreement. Let us know if you do happen to have any questions, and just sort of read it through with the updated details. It's more just about with ongoing advice. We are doing a lot more advice to different areas as people wanna sort of expand, and Yep. we do have to charge those sorts of services because the when you charge advice fees inside Super, it has to meet a legislative requirement as a sole purpose test. So for advice outside of Super, the you can't charge inside Super for those sorts of other advice pieces. It doesn't meet the sole purpose test, and it goes against legislative requirements. So with changes to financial advice, advisors have had to reevaluate a lot of these sorts of things, but I have added the financial services guide there for you. Please have a look at it. Please let me know if there's any questions there.","start_word":7088,"end_word":7362,"sentiment":"neutral","sentiment_score":0.07255541533231735},{"text":"More than happy to answer it.","start_word":7363,"end_word":7368,"sentiment":"positive","sentiment_score":0.6101688146591187},{"text":"You've got the ongoing service agreement attached showing your current fee for the next twelve months there. And once you sort of had a look through it or happy to proceed, we'll get you to sign and return that back in order to, you know, proceed with seeking as our services and staying on board with the client for the next twelve months there. Okay? Okay.","start_word":7369,"end_word":7434,"sentiment":"neutral","sentiment_score":0.17707090079784393},{"text":"Beautiful.","start_word":7435,"end_word":7435,"sentiment":"positive","sentiment_score":0.6952967643737793},{"text":"Do you have any questions? I'm sorry. I go through a lot, and I add a lot of information. Probably a lot there. Do you have any questions that have come out of any of this? Sorry. No. It's it's fine. We've we've been through this for a couple of years now.","start_word":7436,"end_word":7487,"sentiment":"neutral","sentiment_score":0.0448264442384243},{"text":"That's that's totally Beautiful.","start_word":7488,"end_word":7491,"sentiment":"positive","sentiment_score":0.5919860005378723},{"text":"fine. No. I don't have any questions at Fantastic. this stage.","start_word":7492,"end_word":7502,"sentiment":"neutral","sentiment_score":-0.0159782525151968},{"text":"Thank you.","start_word":7503,"end_word":7504,"sentiment":"positive","sentiment_score":0.4660333395004273},{"text":"Okay.","start_word":7505,"end_word":7505,"sentiment":"neutral","sentiment_score":0.24767625331878665},{"text":"Easy.","start_word":7506,"end_word":7506,"sentiment":"positive","sentiment_score":0.3375723958015442},{"text":"Not a problem at all. Look.","start_word":7507,"end_word":7512,"sentiment":"neutral","sentiment_score":0.321540892124176},{"text":"What yeah. I will let you go. You have a great day. I thank you so much for your time, and you've got the email there ready to go for when you're able to review that one.","start_word":7513,"end_word":7549,"sentiment":"positive","sentiment_score":0.6084693670272827},{"text":"Okay? No. No worries at all.","start_word":7550,"end_word":7555,"sentiment":"neutral","sentiment_score":0.25871506333351135},{"text":"Thanks for the call. No worries. Have a great day. See you later. You too.","start_word":7556,"end_word":7570,"sentiment":"positive","sentiment_score":0.5875720381736755},{"text":"Bye bye. Bye. Bye.","start_word":7571,"end_word":7574,"sentiment":"neutral","sentiment_score":0.1913501024246216}],"average":{"sentiment":"neutral","sentiment_score":0.04276928376790459}}}}