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I think this is my seventh call for the day, and I'm like, yep. Today has flown by. I think it's crazy. They're all good. Actually, I had people pinned just to run through your annual review for the for this year. Is now still a good time there for you? Yep. Beautiful. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address that you have on file. Mhmm. Yep. Beautiful. Thank you so much for that. As part of the annual review, I do normally send through some annual review documents so you can go through them with me. Are you able to access your emails there currently? Or I'm just doing it now. Yeah. You're right. I'll send it through. There we go. Me it's sent. It should come through from Odoo sign, and I think it comes through from Gaynor or OQ Finance too to make it easier as well. Yep. Perfect. So if you press that button, it'll take you through so you can review the documents. I am very blunt. I never want you to sign anything you haven't read. So pressing that button just takes you through so you can see each of the documents attached, and I'll take you through each of them. And you're welcome to go back and read them before you sign anything if you if you choose to do so. Okay. Easy. Now the first document, when it takes you through there, it should show you. I'm just pulling them up, so I had to pull them up after I set them. Beautiful. It should be your summary of superannuation and insurance in there. Can you see that one? Yep. Beautiful. So with the one, they're giving you an updated balance. So I had a look back at your balance as of the last annual review. You had about a $191,046.42 there. So we're sitting here at $201,002.59 and 22¢ as of the twenty sixth of yesterday's date there. Okay. Excellent. Under yes. You're right. It was November last year. It has $191,046.42. Yeah. It honestly has, and that's the other thing I sorta wanted to talk to you about. I had a bit of a review of where everything has sort of been for this year. And if you move forward to the next document there, you'll have your performance report there. There has obviously been quite a bit happening within the market this year, so we have seen a bit of volatility out there. But when I sort of went back to review your investors, I can see one here that's sort of holding back, and I wanna kinda go back as part of after the call and do some updated advice for you because I would like to maybe update some of these investments. Are you looking at that performance report there on the first page? Yes. Beautiful. So the top one there, the Ben among Australian equities, that one there is more of an actively managed fund. And, unfortunately, the active manager within the fund has sort of been underperforming quite significantly this year. They had done really well for a certain portion of the year, but then had quite a decent pullback. And that is having quite a significant effect on your super fund at the moment. So I do wanna look at maybe removing that one out of the portfolio. We are not able to do so until we update the advice to reflect. And in order to do that, I do have to reassess your goals there. So that is one of the ones I definitely wanna look at removing for you. The other one I'm looking at sort of replacing at the moment is the Fair Next property. So because of, obviously, the changes that have come out from the government late this year after June, July, property has taken a little bit back here. So that is also down about 10% within your portfolio. And whilst that has had some good returns in the past, I think switching those two out for now and looking to replace them with something else might be very beneficial. I also am looking at the bank hybrid debt. So whilst we are looking to make some changes to your portfolio, the government is phasing these out down the track by 2028. So, realistically, if I'm gonna make some changes to your portfolio, I'm better off to also look at maybe replacing that with another defensive asset as well. That way, we don't come back down the track and find we have to remove that out at a time where we maybe not be providing any good advice on your portfolio. So I definitely can see some changes I would like to make then. I also sort of how do you look at try maybe rebalance your portfolio back a little bit as well? I'll go back and readjust the waiting just to make sure that you're rebalanced correctly. Obviously, some investments do grow at higher or faster rates than others, which can also increase or decrease your risk level and your overall weighting. So readjusting that could also be really important to sort of look at there. But, look, I'm honest, the market's having a bit up and down this year, but all in all the Australian and US markets are actually showing some good performance of late. And so for these two investments to definitely be down there, they are holding your portfolio back this year. So I did wanna come into the call and be honest and open and let you know I've seen this happen, and I do wanna do some make some replacements there for you if you're comfortable with me doing that. Yeah. Excellent. All good. Other than that, though, the other investments are working really, really nicely. You've got some core composite bonds in there. They are defensive in nature. They are showing a positive result for the year, albeit it is a lower positive result. Core composite bonds and fixed can have a negative effect when inflation is high, and we have had some very high inflation, miss Kitty. Sorry. We've also got the S and P 500, which is the second from the bottom. That's giving you exposure into the top 500 companies in The US there. That is up over all 9.03%. So while that is a bit on the low side for that kind of investment with the ups and downs that has been occurring in the market, the volatility there, we have sort of, as of kind of June this year, seen a bit more of a I wouldn't say it's crazy steady, but it has been a lot steadier in the markets than it was around the April, March, and April kind of period there. So we have seen it evening out, and that is actually showing a positive result. The other one that's really good to look at is the keywords. That's the fourth one from the top. That is the beta shares Rafi, so giving you exposure to the Australian market. That was performed by 15.49% in your portfolio, So that is really nice. It's kind of an indicator I look at that we do sort of look at where Bennelong I mean, Australian equities are still technically doing quite well. So the fact that Bennelong isn't performing well when it is giving you Australian equity exposure, so it shows it's something within the the fund itself and not so much around the market. That's why moving it will be a good thing. But, yeah, the beta shares Rafi Australia equities has done very nicely as well. A battery and lithium tech is up over 36% within your portfolio. And physical gold, we saw a pretty heavy dip around about 80% back in February. But since then, we have had a bit of a steady recovery point from that. So that is still absolutely. Absolutely. I know. Still was, yeah, absolutely. And I still was still seeing a little bit of a dip there. It was sort of pretty heavily affected with inflationary pressures, and it's still kind of trying to come out of that slump. So I'm really happy with the gold and what that's done in your portfolio there. But, yeah, those other couple, I definitely wanna look at replacing for you. Your portfolio as a whole, if you look at the next page, it does sort of show here that the earnings as a dollar figure in the last twelve months there. So all of your income cost growth there is about $14,616.13, which as a net return after fee, it shows about 5.70%. So it is much on the lower side than where I would like it to be, and I definitely wanna update the advice to kind of see if we can make it work a little bit harder there for you as well. Okay. Excellent. The thing that I sort of wanted to touch base on with you to sort of look at how to update your portfolio, because I've got a few different options in mind to sort of readapt it for you. With the Benelux Australian Equities, as I mentioned, that is more of an actively managed fund. So depending on your preference, I mean, having a look at things, as of this month, you're 39. Yep. Don't feel bad. I'm older than you. It's fine. I'm in my forties. You're you're still young. Is that thank you. A lot of people tell me that, and I'm like, really? No. Thank you. With the spend along Australian equities, it is more of an actively managed fund. And given that you can't access super until the age of 60, that's the earliest point of this time frame. You've got that twenty one years before accessing there. So we can, depending on your preference, replace that with maybe another active manager. Active managers within those firms are trying to outperform against the market. You often do pay a little bit more in management fees to kind of have that in your portfolio. Otherwise, I can look at swapping that out with something a little bit more low cost, maybe more to passively manage ETF fund that is tracking the market, which over the long term can actually outperform and do better than these active managers. What sort of your preference? What would you like me to look at when I'm looking at portfolios for you? Yep. Yep. Absolutely. Yeah. It it is there always is, and that's why it's good to kinda review the portfolios and update them on a regular basis. I mean, when we sort of look at things last year, I know your portfolio performance last year was really good. You were at a really good starting point, but then no one could have guessed what we went through this year. I mean, back in 2020, no one would have thought we were going through COVID in that time either. So we never really know what's gonna happen. But one of the things I do like to make sure we are doing is that we are investing in portfolios that have withstood those downtime. There's nothing in there that sort of hasn't been around for longer than five to ten years, and investors that have been been through the downtime, wither the storm, and come back to recover because it shows stability. It shows that they have the longevity, and that they do this kind of environment where there is volatility around. So that's one of the things I do definitely like to look for. But if you're wanting that low cost aspect, there's a couple of different options that I'm looking to replace things with, and I can go back and review that for you. I can also review all the other investments if I find there's, you know, a newer portfolio that might be providing greater growth, as well as maybe lower cost fees and things like that. I can absolutely, if you're comfortable with it, recommend it and show you what that looks like whenever we do update the portfolio. I do put it into an advice document, so we'll come back and look at that together. I'll go through the recommendations, the changes that I wanna make for you. You'll get to see the advantages, the disadvantages, the risks involved, and then take that away and decide what you're comfortable taking on board. Does that sound okay? Yep. Beautiful. Fantastic. On the page beforehand, we will also have your insurance as noted down there. Now your life cover at the moment you've got with one pass gives you a current sum insured of 1,102,500. I'm thinking about the level of life cover you have there, and if you were to then pass away today, your super benefit is also paid out on top of that. Do you still feel pretty happy with the level of life cover? Did you wanna kinda review that at all? Yes. Yeah. Absolutely. Mortgage wise, I've got you down here as owing about 360,000 on the home still. Is that correct, or is that reduced a bit? Mhmm. Yep. That's $3.35. 106,000 again. So beautiful. So is that $3.35 after you subtract the 106,000, or will that come off that $1.30 5 before? Yeah. Yeah. No. That's perfect. Done really well. Excellent. You're definitely a lot more in front of your home loan than a lot of other people are to your age, so that's awesome. Yeah. Yeah. Understand that. Yeah. Understand that. I think I bought my place back about fifteen years ago for 250,000. You can't pay for 250,000 anymore. That's an yeah. Ranchweed Head. So just South of the Gold Coast. Very lucky. I've only got a very small house, but, yeah, I was very lucky to get that property. It's pretty rundown. There's been a lot of work that goes into it. But yeah. Yeah. I understand where you're coming from. Having a small mortgage is definitely a benefit to it. In saying that my mortgage is saying that my mortgage is no longer that small. I have an investment property now as well that my kids live in. So my debt level's well and truly a lot higher. But no. That's fantastic. You've done really, really well. That's awesome. Are you sort of looking to buy additional property and and, you know, have an investment property down the track, or are you not really worried? Yep. That's absolutely fine. Perfect. Not everyone wants investment properties, and that's absolutely okay. I know with the latest changes in legislation, it does make things a little bit harder for people who want to invest in property, especially moving forward. All good. With the the main primary residence, the value we have was about 740,000. What sort of value would you put on that now, do you think? Perfect. Excellent. And so the other part of insurance that you do have here is your TBD, so total permanent disability cover. Do you understand how TBD works, how it is paid, and all the bits and pieces around total permanent disability cover? Yeah. Absolutely. Definitely. So with TPD, total permanent capacity or total permanent disability cover, in the event of a successful claim. If you are 60, one of those little known facts is that it is unfortunately taxed. If you do take it as a lump sum, essentially, the government taxes up to 22% of that money, which is kind of terrible when you think about your level of cover because you've got the same level of CBD as your life. So just over 1,102,000 there. There are there's a fun little math equation that they do. They essentially assess your age at time of claim and the age of 65 because that's the the age that all the funds in your system become un preserved, unrestricted without you having to retire. And they work out essentially they have a fun little equation to work out what the tax is. It is up to 22%, so it could definitely be worse. If you ever did have to claim on that money, we would then provide advice on how to structure, what to do with. There are some things that we can do to help kind of reduce or minimize the tax consequences. You can essentially take it as a lump sum for all the money at once, or you can take it as, like, a disability pension where you keep most of it invested and then just draw small amount on a regular basis. So there are definitely with things that can be done, but I did like to make sure that that is a factor that is known because it is very little known. Unfortunately, I have come across clients in the past where they've unfortunately become TBD, and they've tried to take all the money out. And they've realized they've lost a couple of $100,000 due to taxation, and it hasn't quite funded what they thought it was gonna fund. So just like to mhmm. Absolutely. Definitely. Yeah. Definitely. The other thing you do have there is your income protection policy. So you do have just a monthly benefit currently of 6,200 in the event that you're unable to go to work in the shorter term there. Income wise, we had you on about a 100,000 last year. Are you on a bit more is that a pay rise then? Okay. Beautiful. So if we look at that, now you can be covered for up to 70% of your pretax or gross income there. So looking at a 110,000. That essentially means that you would roughly need to be insured for about $6,416 on a monthly basis. So you are just slightly underinsured there. Realistically, ma'am, these sorry. You're right? Yes. Okay. Well, what they're gonna do is they're gonna ask your pay for the time of claim, and they're going to then assess you on your gross pay and your net take home pay and work out what you're eligible to cover to cover the cost of expenses. So they're probably gonna subtract off anything for company cars and things like that as well just because, you know, insurance companies wanna minimize the amount they have to pay out. That's kind of their deal. Yep. Yep. Yep. That's okay. Perfect. So with with your monthly benefit amount, essentially, there with you being just it's, like, $200 a month off being 70% of your income. These policies do go through renewal on a regular basis every year as well, and they do increase slightly along with CCI there as well. Did you wanna look at increasing your income protection benefit after, or did you wanna just let it go through renewal and slowly increase towards what you need it to be? Yeah. Yep. That's okay. No worries. I'm just having a look at what it was last year. So last year in November, you had the monthly benefit of 5,973. So, realistically, it made it went through renewal, and it increased by about $227, so on a monthly basis. So if it was the when it goes through renewal, if it kind of if they assess it and increase it along with that mark, then you'll basically be sitting at that 70% mark anyway. One of the benefits of doing it that way is that by not by allowing it to increase as it goes through renewal, there's no additional underwriting there. Whereas if we increase the application and do it manually, they'll go back and underwrite it. So it could be more expensive depending on your health and changes. There could be additional loading to exclusion. So doing it the other way, honestly, could work out quite fine. And when it comes up to renewal time, I'll go back and double check it anyway just to see. It looks like it is not long has renewed. So July, it should renew again. And if you feel like you need to kind of bump it up in the meantime, you're welcome to let me know there. Okay. Fantastic. Now you don't have any additional kind of insurances like trauma. Has anyone kind of brought those up with you? Did you wanna look at anything additional personal personal insurance wise? Are you just happy with what you've got? Yep. Absolutely fine. And I'll just increase your income on here. So we're sitting at about 110,000 there. Fantastic. Are you finding that you're able to put much the way of savings away on a regular basis, or is everything kinda going into the offset account, the home loan, and reducing that? Mhmm. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. No. That's the same. Okay. Beautiful. If you had to quantify that savings, how much do you think you're sort of putting away on a regular basis? Okay. Beautiful. Excellent. And so looking at because you're on one income at the moment, and congratulations on the new baby. That's very exciting. Yes. I understand that. With with that sort of your focus on paying down the mortgage, we'd look at maybe if you wanted to additional contributions and things like that down the track. Does that sound about right? Yep. Wow. She's got some real plans. Yep. She's got some good plans. Oh, oh, good. All good. Well, we can always look at additional contributions and things down the track. We'll let you sort of sort the the house out first, and then you can let me know whether this you're comfortable with that. That's not a problem at all, and good luck with the renovations. That's a tough job. Been doing that for the last ten years. No. No. Understandable. Other assets on here I had down is your Land Cruiser. We have a valuation that last year around about 45,000. Would you drop that slightly or keep it around about the same? Yes. Beautiful. Excellent. And a camper trailer, do you still have that one there as well? Beautiful. Hopefully, you get out of it in the in the future. It'd be nice. Camping? Oh, fantastic. Fantastic. That'll be fantastic. Enjoy that. Whereabouts are you heading to? Oh, beautiful. Yep. Yep. Absolutely. That'll be oh, that'll be fantastic. I hope you have an amazing time. Well worth those memories. Value on the camera I have was about 15,000. Would you alter or change that value while keeping fairly much the same? Yep. Beautiful. And any other assets or liabilities I should sort of note down here? Yep. That's okay. All good. Just checking your state planning as well. So I've got your beneficiary nominations noted down here. So in the event of passing, a 100% of your super and life proceeds are to be paid out to Priscilla. Is that still correct? Happy with the way that's structured? Yep. Beautiful. And have I've got down here that you don't have a will or power of attorney in place. Is that something that you just discussed about setting up? Yeah. That's okay. It is. It is. Seeing as losing having that done, especially having kids is really important. They can also incorporate guardianships and things like that. So you're sort of protecting all your assets, noting who you want to act on your behalf if you're not able to with your power of attorney, and then structuring guardianship to know that if something happens to the two of you, that someone has direction on who you want to look after your kids, what you want them to do, and how you want everything to be structured for them. So it can be a bit of a cost to do that, but it is well worth doing. Unfortunately, statistics show that in Australia, about seventy percent of people do pass away intestate with no will and, you know, no direction on what happened. So it does mean that when that occurs that the court system is pretty well overwhelmed with probate cases that can take a long time to have those settled. It also means that people can come out from your past and state a claim, which can make the process even harder as it has to be sort of looked at by a judge. So not preferable. But, yeah, we'll we'll just keep, you know, touch base on that one. And, yeah, if you get time to go and see a local solicitor and do offer will, you can also so you guys are in Queensland. You can also buy the, like, Queensland trust fees if you Google them. They can also do wills and power of attorneys via online and over the phone and things like that as well for you. It can also be cheaper to do it that way if it's more convenient. So if you just sort of look up the Queensland trustee, that can also be another way of doing up a simple wheel kit and putting things in place without having to, you know, go and see a solicitor and sit in their office for a few hours. Yeah. Yeah. Oh, good. Beautiful. The only other thing to sort of check on here is additional goals that we've got down here. There's a renovations and the paying and more down as quickly as possible. I had down here a time that you're sort of hoping to retire at eight sixty or thereabouts. Is that still sort of your goal? Is that what we're hoping to track towards? Yep. Yep. Absolutely. Beautiful. Yes. Absolutely. Yep. Yep. Beautiful. I like it. Excellent. I've also got down here that in, hopefully, retirement or before retirement, you'd love to do a global trip and maybe go to The US and Europe. Is that still on the card for a goal? That'd be nice. Yep. No. That's all good. I can leave that on there as a bit of a future goal there for you. If not, I mean, look, when you retire and you do wanna take that trip, you might be able to then. That sounds like it would be a good trip to take with no kids. Mhmm. Yes. Absolutely. Definitely. Is there any other goals that you're sort of looking to achieve down the track that we might need to note down there for you as well? Mhmm. Yes. Oh, no. Yep. Yeah. No. Definitely. If you were to sort of buy this like, a business and sort of build that over the time, would that be something you would maybe wanna sell off when you get to retirement, or do you think you'd like to have that work in the background and have employees doing the job for you so you're still earning some income from that business as well as maybe supplementing some super as well. Mhmm. Yep. Yeah. Yeah. Definitely. And so looking further, if it's working really well, you could yeah. Yeah. Definitely. And, like, if it's working really well, you could keep it working longer. Maybe one of the kids wanna jump into it or you keep it as an estate planning thing and sort of hand it down to them later on. There's always those sorts of options as well down the track. So yeah. Perfect. Excellent. And with your risk profile, so at the moment, you are in that kind of growth environment there when we think about this sort of risk well, the risk you are taking. And we consider it out of a number between one and five, so five being all invested in equity markets, whereas one being all sitting in cash, your growth kind of profile is sitting at about a three there. It generally sees about 80% of the super invested in growth assets, so we're looking at Australian international shares with this property and commodities like gold and silver, and then the other sort of 20% in low risk defensive investments like cash, bonds, and fixed interest there. This sort of when we look at a risk profile return should be able to receive about seven to 9% on a yearly basis compounding that forward towards retirement. And because we understand that markets do have volatility and there is risk involved, the expected volatility of this kind of environment means that when the markets are really well, we can sort of see up to 11% higher than that 9% or on a bad year where the markets are down, anywhere to 11% below that 7% there as a bit of a dip. The likelihood of a negative return occurring is around about one in every sort five years. And we this sort of portfolio suits someone who has at least six years there. You've got more than double this ahead of you before accessing those funds there. Do you feel like that's fairly comfortable? Did you wanna look at maybe reviewing your risk profile, or are you happy just to stay in that kind of environment longer, and I can assess based on the growth portfolio? How do you sort of feel about that? Mhmm. Yep. Yeah. Mhmm. Yeah. Absolutely. I do. I do a lot of that in the back end sort of when I'm reviewing the advice side of things. So when I update the advice as part of the recommendations, I will only project out to yourself by five to ten years. But in the back end, I do go back and sort of have that twenty one year projected outcome to see what we're tracking for, how this looks. And in the back end, I use more of a conservative rate of return to say, well, this is what the portfolio has been achieving, and this is what's projected for you over the next five to ten years. But as a worst case scenario, based on the risk profiling, this is where we could end up as a projected outcome. So I do do all that kind of reset as part of things, but in the advice, I don't project more than five to ten years because your life could change very heavily in that time frame. And, I mean, projecting twenty one years, the future could give you a $5,000,000 return depending on the returns that the portfolios receive, and and they'll wanna kind of be too project out that far to give you that kind of return because it's not realistic. Markets go up and down and yeah. Sorry. Yeah. Yep. Mhmm. Yep. Yep. Yeah. Yes. Mhmm. Yes. Yeah. Yep. That's okay. Did you want me to look at the growth environment and see what that does and how that looks over the next five to ten years for yourself? I can project in the back end to see where we're sort of tracking for, and maybe if that's not gonna work, if we maybe need to bump up the risk a little bit, we absolutely can. The the other side of it is I mean, sort of talking to you, you are probably in that right sort of range. It sort of feels like there's a little bit of nervousness to take on more risk in the market. And, look, honestly, that's okay. For someone your age and even my age, being in that growth or high growth environment is pretty normal. There's about a 10% difference between the two. But sitting in this growth environment, you can still receive really fantastic returns. You know, we might receive a 20% one year, a 10% the next, a 2% the next year, and then back up to a 14% the following year. And there's absolutely nothing wrong with that. And as we get closer to accessing super, as your life changes, we start to pull back on the risk level, but we can also then increase contributions in. And there's also the possibility of wage increases along the way, so that means that contributions could increase as well. That can provide additional growth. And when we kinda get our balance up to that sort of $2,200 to $2.50 mark, then it kinda helps the compounding effect. Like, if you think about a 5% return on someone with $50,000 in super, that's essentially sitting there. They're getting a $2,500 return. The same 5% return for someone with $500,000 in super is 25,000. So that same level of return compounds and grows even more. So we kind of slug it out for the first, you know, 40 odd to where, like, forty, forty five realistically to get our super balance up that high. It feels like a better sense to be a lifetime away. And then once it gets that $2.50 2, $2.50, $300,000 mark, then the compounding effect really jumps in, and you sort of see those changes occur a lot easier and a lot faster. Did you did you probably just look at the growth portfolio to start with? We can look at that for maybe this year. Just get your super working a bit harder, replace some of those underlying investments that are underperforming a little bit, and then we maybe come back in six months' time, see how that's working, and then we maybe adjust the risk level if you feel more comfortable. Does that feel like a comfort level for you? Yes. Yep. That's all good. You're still very young, so we can always adjust the risk level as you definitely need to. I just don't want you to feel like you have to jump the risk level up if you don't you know, if you're really not comfortable to do so. And I mean yeah. You're right. You do. Yeah. Yeah. And, look, you're you're definitely gonna be in a lot greater position than a lot of my current clients. I do have a lot of the older clients on Outlook who are retiring a lot earlier. And because super wasn't a factor for them, we're pretty lucky that super was, you know, a factor when we first started working with being gaining it and compounding it a little bit longer. So we are gonna end up with a lot more in retirement than a lot of people who are retiring now. So at the moment, we're doing a lot of job expensive and retirement and trying to make money last a little bit longer and drawing down less than we actually need to kind of give that to make sure things work and and stay invested as long as possible, whereas you and I are gonna have a very different kind of retirement. And our kids, again, are gonna have a very different retirement as well. The main difference is money is gonna be worth less in the future, so we may need to draw out more to cover our expenses. But there's nothing wrong with just sticking with that growth environment now if that's your comfort level. And then we review it in six months' time. We look at whether this new portfolio is working. If it is right, if it's not, we readjust it again. If it's, you know, you're happy with things, you wanna just bump up the risk level, you feel like it's going really well and you wanna kinda take a little bit more, then we can always bump that up then as well. Does that feel comfortable there for yourself? Do you feel like that's a good plan? Yes. Beautiful. Excellent. I sorta just wanna don't want you to feel like you have to do everything at once. It's okay to sort of work in in increments and start slower and build on that because your super dump is at 200 k now. So it is really good. It is working, and we'll sort of wanna make that compounding effect work a little bit harder for you. So if we start by doing that, I can make sure we do a catch up in six months' time. We'll see how things are tracking for you, and then, you know, do the advice first. Set a catch up in six months, and then come back and see how things are tracking and whether we need to adjust things further for you. How does that sound? Yeah. Excellent. Excellent. All good. Beautiful. So I'll go back and do some research and update the advice. Just takes a couple of weeks to put things together for you, but my team will book you back in once they've got that research completed. The only other documents in the annual review pack are they've got a copy of the certificate of currency with your insurance information so you can kind of have a bit more detail around that as well. And then we've also got the financial services guide in there. So if you wanna have a look at what I look like and all my licensing information is in there for you as well. And the document attached is the ongoing service agreement for the next twelve months there. So you are on the ongoing service fee of 1.65% per annum. That just continues for the year. So if you're happy to stay on board, want me to keep working and trying to make things work better for you and work towards your goals, I'll just ask you to sign and return that one back there for me. And, please, if you do find you have any questions, you're welcome to let me know. Happy to touch base whenever you want. I think one thing I do wanna do this year is make sure we are still touching base a little bit regularly. So my team are booking people in at least every six months just to see if you want a bit of a catch up just to see how things are tracking just so we can kind of pinpoint when things need to change there for you to keep your super on track. It make it a bit easier. Yes. All good. Do you have any questions? I know I touch on a lot, and I'm very sorry. But is there any questions or anything that I haven't sort of tapped on that you might want to ask me or have me look at? Or yep. Beautiful. Beautiful. Just need to get these returns working better. It is super working better and get these underperforming investments going for you. Absolutely. Yeah. Yeah. Definitely. No. Absolutely understand. Yeah. Sometimes it can feel that way. Yeah. No. Absolutely. Well, I'll get stuck into that absolutely. I'll get stuck into the reset, see what I can do with the portfolio. I'll come back with the advice document. We'll go through that together. I'll show you what I'm changing, how it works for you, what it looks like, the advantages, the disadvantages, the risks involved, and then you get to take that away and decide what you wanna do with it moving forward. Okay. Excellent. Well, thank you so much for your time. I hope you have a lovely afternoon. Thanks, Ashley. Enjoy your weekend with your family. Enjoy your three weeks away. That'll be amazing. Lovely. Yeah. All good. I'll talk to you very soon. I appreciate your time today. Thank you. See you later. 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Ashley. This is Dana from OC Financial. How are you this afternoon? Yeah. Good.\n\nThank you. How's your day been so far? All good. Oh, look. I'm the same.\n\nI think this is my seventh call for the day, and I'm like, yep. Today has flown by. I think it's crazy. They're all good. Actually, I had people pinned just to run through your annual review for the for this year.\n\nIs now still a good time there for you? Yep. Beautiful. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nFantastic. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address that you have on file. Mhmm. Yep. Beautiful.\n\nThank you so much for that. As part of the annual review, I do normally send through some annual review documents so you can go through them with me. Are you able to access your emails there currently? Or I'm just doing it now. Yeah.\n\nYou're right. I'll send it through. There we go. Me it's sent. It should come through from Odoo sign, and I think it comes through from Gaynor or OQ Finance too to make it easier as well.\n\nYep. Perfect. So if you press that button, it'll take you through so you can review the documents. I am very blunt. I never want you to sign anything you haven't read.\n\nSo pressing that button just takes you through so you can see each of the documents attached, and I'll take you through each of them. And you're welcome to go back and read them before you sign anything if you if you choose to do so. Okay. Easy. Now the first document, when it takes you through there, it should show you.\n\nI'm just pulling them up, so I had to pull them up after I set them. Beautiful. It should be your summary of superannuation and insurance in there. Can you see that one? Yep.\n\nBeautiful. So with the one, they're giving you an updated balance. So I had a look back at your balance as of the last annual review. You had about a $191,046.42 there. So we're sitting here at $201,002.59 and 22¢ as of the twenty sixth of yesterday's date there.\n\nOkay. Excellent. Under yes. You're right. It was November last year.\n\nIt has $191,046.42. Yeah. It honestly has, and that's the other thing I sorta wanted to talk to you about. I had a bit of a review of where everything has sort of been for this year. And if you move forward to the next document there, you'll have your performance report there.\n\nThere has obviously been quite a bit happening within the market this year, so we have seen a bit of volatility out there. But when I sort of went back to review your investors, I can see one here that's sort of holding back, and I wanna kinda go back as part of after the call and do some updated advice for you because I would like to maybe update some of these investments. Are you looking at that performance report there on the first page? Yes. Beautiful.\n\nSo the top one there, the Ben among Australian equities, that one there is more of an actively managed fund. And, unfortunately, the active manager within the fund has sort of been underperforming quite significantly this year. They had done really well for a certain portion of the year, but then had quite a decent pullback. And that is having quite a significant effect on your super fund at the moment. So I do wanna look at maybe removing that one out of the portfolio.\n\nWe are not able to do so until we update the advice to reflect. And in order to do that, I do have to reassess your goals there. So that is one of the ones I definitely wanna look at removing for you. The other one I'm looking at sort of replacing at the moment is the Fair Next property. So because of, obviously, the changes that have come out from the government late this year after June, July, property has taken a little bit back here.\n\nSo that is also down about 10% within your portfolio. And whilst that has had some good returns in the past, I think switching those two out for now and looking to replace them with something else might be very beneficial. I also am looking at the bank hybrid debt. So whilst we are looking to make some changes to your portfolio, the government is phasing these out down the track by 2028. So, realistically, if I'm gonna make some changes to your portfolio, I'm better off to also look at maybe replacing that with another defensive asset as well.\n\nThat way, we don't come back down the track and find we have to remove that out at a time where we maybe not be providing any good advice on your portfolio. So I definitely can see some changes I would like to make then. I also sort of how do you look at try maybe rebalance your portfolio back a little bit as well? I'll go back and readjust the waiting just to make sure that you're rebalanced correctly. Obviously, some investments do grow at higher or faster rates than others, which can also increase or decrease your risk level and your overall weighting.\n\nSo readjusting that could also be really important to sort of look at there. But, look, I'm honest, the market's having a bit up and down this year, but all in all the Australian and US markets are actually showing some good performance of late. And so for these two investments to definitely be down there, they are holding your portfolio back this year. So I did wanna come into the call and be honest and open and let you know I've seen this happen, and I do wanna do some make some replacements there for you if you're comfortable with me doing that. Yeah.\n\nExcellent. All good. Other than that, though, the other investments are working really, really nicely. You've got some core composite bonds in there. They are defensive in nature.\n\nThey are showing a positive result for the year, albeit it is a lower positive result. Core composite bonds and fixed can have a negative effect when inflation is high, and we have had some very high inflation, miss Kitty. Sorry. We've also got the S and P 500, which is the second from the bottom. That's giving you exposure into the top 500 companies in The US there.\n\nThat is up over all 9.03%. So while that is a bit on the low side for that kind of investment with the ups and downs that has been occurring in the market, the volatility there, we have sort of, as of kind of June this year, seen a bit more of a I wouldn't say it's crazy steady, but it has been a lot steadier in the markets than it was around the April, March, and April kind of period there. So we have seen it evening out, and that is actually showing a positive result. The other one that's really good to look at is the keywords. That's the fourth one from the top.\n\nThat is the beta shares Rafi, so giving you exposure to the Australian market. That was performed by 15.49% in your portfolio, So that is really nice. It's kind of an indicator I look at that we do sort of look at where Bennelong I mean, Australian equities are still technically doing quite well. So the fact that Bennelong isn't performing well when it is giving you Australian equity exposure, so it shows it's something within the the fund itself and not so much around the market. That's why moving it will be a good thing.\n\nBut, yeah, the beta shares Rafi Australia equities has done very nicely as well. A battery and lithium tech is up over 36% within your portfolio. And physical gold, we saw a pretty heavy dip around about 80% back in February. But since then, we have had a bit of a steady recovery point from that. So that is still absolutely.\n\nAbsolutely. I know. Still was, yeah, absolutely. And I still was still seeing a little bit of a dip there. It was sort of pretty heavily affected with inflationary pressures, and it's still kind of trying to come out of that slump.\n\nSo I'm really happy with the gold and what that's done in your portfolio there. But, yeah, those other couple, I definitely wanna look at replacing for you. Your portfolio as a whole, if you look at the next page, it does sort of show here that the earnings as a dollar figure in the last twelve months there. So all of your income cost growth there is about $14,616.13, which as a net return after fee, it shows about 5.70%. So it is much on the lower side than where I would like it to be, and I definitely wanna update the advice to kind of see if we can make it work a little bit harder there for you as well.\n\nOkay. Excellent. The thing that I sort of wanted to touch base on with you to sort of look at how to update your portfolio, because I've got a few different options in mind to sort of readapt it for you. With the Benelux Australian Equities, as I mentioned, that is more of an actively managed fund. So depending on your preference, I mean, having a look at things, as of this month, you're 39.\n\nYep. Don't feel bad. I'm older than you. It's fine. I'm in my forties.\n\nYou're you're still young. Is that thank you. A lot of people tell me that, and I'm like, really? No. Thank you.\n\nWith the spend along Australian equities, it is more of an actively managed fund. And given that you can't access super until the age of 60, that's the earliest point of this time frame. You've got that twenty one years before accessing there. So we can, depending on your preference, replace that with maybe another active manager. Active managers within those firms are trying to outperform against the market.\n\nYou often do pay a little bit more in management fees to kind of have that in your portfolio. Otherwise, I can look at swapping that out with something a little bit more low cost, maybe more to passively manage ETF fund that is tracking the market, which over the long term can actually outperform and do better than these active managers. What sort of your preference? What would you like me to look at when I'm looking at portfolios for you? Yep.\n\nYep. Absolutely. Yeah. It it is there always is, and that's why it's good to kinda review the portfolios and update them on a regular basis. I mean, when we sort of look at things last year, I know your portfolio performance last year was really good.\n\nYou were at a really good starting point, but then no one could have guessed what we went through this year. I mean, back in 2020, no one would have thought we were going through COVID in that time either. So we never really know what's gonna happen. But one of the things I do like to make sure we are doing is that we are investing in portfolios that have withstood those downtime. There's nothing in there that sort of hasn't been around for longer than five to ten years, and investors that have been been through the downtime, wither the storm, and come back to recover because it shows stability.\n\nIt shows that they have the longevity, and that they do this kind of environment where there is volatility around. So that's one of the things I do definitely like to look for. But if you're wanting that low cost aspect, there's a couple of different options that I'm looking to replace things with, and I can go back and review that for you. I can also review all the other investments if I find there's, you know, a newer portfolio that might be providing greater growth, as well as maybe lower cost fees and things like that. I can absolutely, if you're comfortable with it, recommend it and show you what that looks like whenever we do update the portfolio.\n\nI do put it into an advice document, so we'll come back and look at that together. I'll go through the recommendations, the changes that I wanna make for you. You'll get to see the advantages, the disadvantages, the risks involved, and then take that away and decide what you're comfortable taking on board. Does that sound okay? Yep.\n\nBeautiful. Fantastic. On the page beforehand, we will also have your insurance as noted down there. Now your life cover at the moment you've got with one pass gives you a current sum insured of 1,102,500. I'm thinking about the level of life cover you have there, and if you were to then pass away today, your super benefit is also paid out on top of that.\n\nDo you still feel pretty happy with the level of life cover? Did you wanna kinda review that at all? Yes. Yeah. Absolutely.\n\nMortgage wise, I've got you down here as owing about 360,000 on the home still. Is that correct, or is that reduced a bit? Mhmm. Yep. That's $3.35.\n\n106,000 again. So beautiful. So is that $3.35 after you subtract the 106,000, or will that come off that $1.30 5 before? Yeah. Yeah.\n\nNo. That's perfect. Done really well. Excellent. You're definitely a lot more in front of your home loan than a lot of other people are to your age, so that's awesome.\n\nYeah. Yeah. Understand that. Yeah. Understand that.\n\nI think I bought my place back about fifteen years ago for 250,000. You can't pay for 250,000 anymore. That's an yeah. Ranchweed Head. So just South of the Gold Coast.\n\nVery lucky. I've only got a very small house, but, yeah, I was very lucky to get that property. It's pretty rundown. There's been a lot of work that goes into it. But yeah.\n\nYeah. I understand where you're coming from. Having a small mortgage is definitely a benefit to it. In saying that my mortgage is saying that my mortgage is no longer that small. I have an investment property now as well that my kids live in.\n\nSo my debt level's well and truly a lot higher. But no. That's fantastic. You've done really, really well. That's awesome.\n\nAre you sort of looking to buy additional property and and, you know, have an investment property down the track, or are you not really worried? Yep. That's absolutely fine. Perfect. Not everyone wants investment properties, and that's absolutely okay.\n\nI know with the latest changes in legislation, it does make things a little bit harder for people who want to invest in property, especially moving forward. All good. With the the main primary residence, the value we have was about 740,000. What sort of value would you put on that now, do you think? Perfect.\n\nExcellent. And so the other part of insurance that you do have here is your TBD, so total permanent disability cover. Do you understand how TBD works, how it is paid, and all the bits and pieces around total permanent disability cover? Yeah. Absolutely.\n\nDefinitely. So with TPD, total permanent capacity or total permanent disability cover, in the event of a successful claim. If you are 60, one of those little known facts is that it is unfortunately taxed. If you do take it as a lump sum, essentially, the government taxes up to 22% of that money, which is kind of terrible when you think about your level of cover because you've got the same level of CBD as your life. So just over 1,102,000 there.\n\nThere are there's a fun little math equation that they do. They essentially assess your age at time of claim and the age of 65 because that's the the age that all the funds in your system become un preserved, unrestricted without you having to retire. And they work out essentially they have a fun little equation to work out what the tax is. It is up to 22%, so it could definitely be worse. If you ever did have to claim on that money, we would then provide advice on how to structure, what to do with.\n\nThere are some things that we can do to help kind of reduce or minimize the tax consequences. You can essentially take it as a lump sum for all the money at once, or you can take it as, like, a disability pension where you keep most of it invested and then just draw small amount on a regular basis. So there are definitely with things that can be done, but I did like to make sure that that is a factor that is known because it is very little known. Unfortunately, I have come across clients in the past where they've unfortunately become TBD, and they've tried to take all the money out. And they've realized they've lost a couple of $100,000 due to taxation, and it hasn't quite funded what they thought it was gonna fund.\n\nSo just like to mhmm. Absolutely. Definitely. Yeah. Definitely.\n\nThe other thing you do have there is your income protection policy. So you do have just a monthly benefit currently of 6,200 in the event that you're unable to go to work in the shorter term there. Income wise, we had you on about a 100,000 last year. Are you on a bit more is that a pay rise then? Okay.\n\nBeautiful. So if we look at that, now you can be covered for up to 70% of your pretax or gross income there. So looking at a 110,000. That essentially means that you would roughly need to be insured for about $6,416 on a monthly basis. So you are just slightly underinsured there.\n\nRealistically, ma'am, these sorry. You're right? Yes. Okay. Well, what they're gonna do is they're gonna ask your pay for the time of claim, and they're going to then assess you on your gross pay and your net take home pay and work out what you're eligible to cover to cover the cost of expenses.\n\nSo they're probably gonna subtract off anything for company cars and things like that as well just because, you know, insurance companies wanna minimize the amount they have to pay out. That's kind of their deal. Yep. Yep. Yep.\n\nThat's okay. Perfect. So with with your monthly benefit amount, essentially, there with you being just it's, like, $200 a month off being 70% of your income. These policies do go through renewal on a regular basis every year as well, and they do increase slightly along with CCI there as well. Did you wanna look at increasing your income protection benefit after, or did you wanna just let it go through renewal and slowly increase towards what you need it to be?\n\nYeah. Yep. That's okay. No worries. I'm just having a look at what it was last year.\n\nSo last year in November, you had the monthly benefit of 5,973. So, realistically, it made it went through renewal, and it increased by about $227, so on a monthly basis. So if it was the when it goes through renewal, if it kind of if they assess it and increase it along with that mark, then you'll basically be sitting at that 70% mark anyway. One of the benefits of doing it that way is that by not by allowing it to increase as it goes through renewal, there's no additional underwriting there. Whereas if we increase the application and do it manually, they'll go back and underwrite it.\n\nSo it could be more expensive depending on your health and changes. There could be additional loading to exclusion. So doing it the other way, honestly, could work out quite fine. And when it comes up to renewal time, I'll go back and double check it anyway just to see. It looks like it is not long has renewed.\n\nSo July, it should renew again. And if you feel like you need to kind of bump it up in the meantime, you're welcome to let me know there. Okay. Fantastic. Now you don't have any additional kind of insurances like trauma.\n\nHas anyone kind of brought those up with you? Did you wanna look at anything additional personal personal insurance wise? Are you just happy with what you've got? Yep. Absolutely fine.\n\nAnd I'll just increase your income on here. So we're sitting at about 110,000 there. Fantastic. Are you finding that you're able to put much the way of savings away on a regular basis, or is everything kinda going into the offset account, the home loan, and reducing that? Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yep. No. That's the same.\n\nOkay. Beautiful. If you had to quantify that savings, how much do you think you're sort of putting away on a regular basis? Okay. Beautiful.\n\nExcellent. And so looking at because you're on one income at the moment, and congratulations on the new baby. That's very exciting. Yes. I understand that.\n\nWith with that sort of your focus on paying down the mortgage, we'd look at maybe if you wanted to additional contributions and things like that down the track. Does that sound about right? Yep. Wow. She's got some real plans.\n\nYep. She's got some good plans. Oh, oh, good. All good. Well, we can always look at additional contributions and things down the track.\n\nWe'll let you sort of sort the the house out first, and then you can let me know whether this you're comfortable with that. That's not a problem at all, and good luck with the renovations. That's a tough job. Been doing that for the last ten years. No.\n\nNo. Understandable. Other assets on here I had down is your Land Cruiser. We have a valuation that last year around about 45,000. Would you drop that slightly or keep it around about the same?\n\nYes. Beautiful. Excellent. And a camper trailer, do you still have that one there as well? Beautiful.\n\nHopefully, you get out of it in the in the future. It'd be nice. Camping? Oh, fantastic. Fantastic.\n\nThat'll be fantastic. Enjoy that. Whereabouts are you heading to? Oh, beautiful. Yep.\n\nYep. Absolutely. That'll be oh, that'll be fantastic. I hope you have an amazing time. Well worth those memories.\n\nValue on the camera I have was about 15,000. Would you alter or change that value while keeping fairly much the same? Yep. Beautiful. And any other assets or liabilities I should sort of note down here?\n\nYep. That's okay. All good. Just checking your state planning as well. So I've got your beneficiary nominations noted down here.\n\nSo in the event of passing, a 100% of your super and life proceeds are to be paid out to Priscilla. Is that still correct? Happy with the way that's structured? Yep. Beautiful.\n\nAnd have I've got down here that you don't have a will or power of attorney in place. Is that something that you just discussed about setting up? Yeah. That's okay. It is.\n\nIt is. Seeing as losing having that done, especially having kids is really important. They can also incorporate guardianships and things like that. So you're sort of protecting all your assets, noting who you want to act on your behalf if you're not able to with your power of attorney, and then structuring guardianship to know that if something happens to the two of you, that someone has direction on who you want to look after your kids, what you want them to do, and how you want everything to be structured for them. So it can be a bit of a cost to do that, but it is well worth doing.\n\nUnfortunately, statistics show that in Australia, about seventy percent of people do pass away intestate with no will and, you know, no direction on what happened. So it does mean that when that occurs that the court system is pretty well overwhelmed with probate cases that can take a long time to have those settled. It also means that people can come out from your past and state a claim, which can make the process even harder as it has to be sort of looked at by a judge. So not preferable. But, yeah, we'll we'll just keep, you know, touch base on that one.\n\nAnd, yeah, if you get time to go and see a local solicitor and do offer will, you can also so you guys are in Queensland. You can also buy the, like, Queensland trust fees if you Google them. They can also do wills and power of attorneys via online and over the phone and things like that as well for you. It can also be cheaper to do it that way if it's more convenient. So if you just sort of look up the Queensland trustee, that can also be another way of doing up a simple wheel kit and putting things in place without having to, you know, go and see a solicitor and sit in their office for a few hours.\n\nYeah. Yeah. Oh, good. Beautiful. The only other thing to sort of check on here is additional goals that we've got down here.\n\nThere's a renovations and the paying and more down as quickly as possible. I had down here a time that you're sort of hoping to retire at eight sixty or thereabouts. Is that still sort of your goal? Is that what we're hoping to track towards? Yep.\n\nYep. Absolutely. Beautiful. Yes. Absolutely.\n\nYep. Yep. Beautiful. I like it. Excellent.\n\nI've also got down here that in, hopefully, retirement or before retirement, you'd love to do a global trip and maybe go to The US and Europe. Is that still on the card for a goal? That'd be nice. Yep. No.\n\nThat's all good. I can leave that on there as a bit of a future goal there for you. If not, I mean, look, when you retire and you do wanna take that trip, you might be able to then. That sounds like it would be a good trip to take with no kids. Mhmm.\n\nYes. Absolutely. Definitely. Is there any other goals that you're sort of looking to achieve down the track that we might need to note down there for you as well? Mhmm.\n\nYes. Oh, no. Yep. Yeah. No.\n\nDefinitely. If you were to sort of buy this like, a business and sort of build that over the time, would that be something you would maybe wanna sell off when you get to retirement, or do you think you'd like to have that work in the background and have employees doing the job for you so you're still earning some income from that business as well as maybe supplementing some super as well. Mhmm. Yep. Yeah.\n\nYeah. Definitely. And so looking further, if it's working really well, you could yeah. Yeah. Definitely.\n\nAnd, like, if it's working really well, you could keep it working longer. Maybe one of the kids wanna jump into it or you keep it as an estate planning thing and sort of hand it down to them later on. There's always those sorts of options as well down the track. So yeah. Perfect.\n\nExcellent. And with your risk profile, so at the moment, you are in that kind of growth environment there when we think about this sort of risk well, the risk you are taking. And we consider it out of a number between one and five, so five being all invested in equity markets, whereas one being all sitting in cash, your growth kind of profile is sitting at about a three there. It generally sees about 80% of the super invested in growth assets, so we're looking at Australian international shares with this property and commodities like gold and silver, and then the other sort of 20% in low risk defensive investments like cash, bonds, and fixed interest there. This sort of when we look at a risk profile return should be able to receive about seven to 9% on a yearly basis compounding that forward towards retirement.\n\nAnd because we understand that markets do have volatility and there is risk involved, the expected volatility of this kind of environment means that when the markets are really well, we can sort of see up to 11% higher than that 9% or on a bad year where the markets are down, anywhere to 11% below that 7% there as a bit of a dip. The likelihood of a negative return occurring is around about one in every sort five years. And we this sort of portfolio suits someone who has at least six years there. You've got more than double this ahead of you before accessing those funds there. Do you feel like that's fairly comfortable?\n\nDid you wanna look at maybe reviewing your risk profile, or are you happy just to stay in that kind of environment longer, and I can assess based on the growth portfolio? How do you sort of feel about that? Mhmm. Yep. Yeah.\n\nMhmm. Yeah. Absolutely. I do. I do a lot of that in the back end sort of when I'm reviewing the advice side of things.\n\nSo when I update the advice as part of the recommendations, I will only project out to yourself by five to ten years. But in the back end, I do go back and sort of have that twenty one year projected outcome to see what we're tracking for, how this looks. And in the back end, I use more of a conservative rate of return to say, well, this is what the portfolio has been achieving, and this is what's projected for you over the next five to ten years. But as a worst case scenario, based on the risk profiling, this is where we could end up as a projected outcome. So I do do all that kind of reset as part of things, but in the advice, I don't project more than five to ten years because your life could change very heavily in that time frame.\n\nAnd, I mean, projecting twenty one years, the future could give you a $5,000,000 return depending on the returns that the portfolios receive, and and they'll wanna kind of be too project out that far to give you that kind of return because it's not realistic. Markets go up and down and yeah. Sorry. Yeah. Yep.\n\nMhmm. Yep. Yep. Yeah. Yes.\n\nMhmm. Yes. Yeah. Yep. That's okay.\n\nDid you want me to look at the growth environment and see what that does and how that looks over the next five to ten years for yourself? I can project in the back end to see where we're sort of tracking for, and maybe if that's not gonna work, if we maybe need to bump up the risk a little bit, we absolutely can. The the other side of it is I mean, sort of talking to you, you are probably in that right sort of range. It sort of feels like there's a little bit of nervousness to take on more risk in the market. And, look, honestly, that's okay.\n\nFor someone your age and even my age, being in that growth or high growth environment is pretty normal. There's about a 10% difference between the two. But sitting in this growth environment, you can still receive really fantastic returns. You know, we might receive a 20% one year, a 10% the next, a 2% the next year, and then back up to a 14% the following year. And there's absolutely nothing wrong with that.\n\nAnd as we get closer to accessing super, as your life changes, we start to pull back on the risk level, but we can also then increase contributions in. And there's also the possibility of wage increases along the way, so that means that contributions could increase as well. That can provide additional growth. And when we kinda get our balance up to that sort of $2,200 to $2.50 mark, then it kinda helps the compounding effect. Like, if you think about a 5% return on someone with $50,000 in super, that's essentially sitting there.\n\nThey're getting a $2,500 return. The same 5% return for someone with $500,000 in super is 25,000. So that same level of return compounds and grows even more. So we kind of slug it out for the first, you know, 40 odd to where, like, forty, forty five realistically to get our super balance up that high. It feels like a better sense to be a lifetime away.\n\nAnd then once it gets that $2.50 2, $2.50, $300,000 mark, then the compounding effect really jumps in, and you sort of see those changes occur a lot easier and a lot faster. Did you did you probably just look at the growth portfolio to start with? We can look at that for maybe this year. Just get your super working a bit harder, replace some of those underlying investments that are underperforming a little bit, and then we maybe come back in six months' time, see how that's working, and then we maybe adjust the risk level if you feel more comfortable. Does that feel like a comfort level for you?\n\nYes. Yep. That's all good. You're still very young, so we can always adjust the risk level as you definitely need to. I just don't want you to feel like you have to jump the risk level up if you don't you know, if you're really not comfortable to do so.\n\nAnd I mean yeah. You're right. You do. Yeah. Yeah.\n\nAnd, look, you're you're definitely gonna be in a lot greater position than a lot of my current clients. I do have a lot of the older clients on Outlook who are retiring a lot earlier. And because super wasn't a factor for them, we're pretty lucky that super was, you know, a factor when we first started working with being gaining it and compounding it a little bit longer. So we are gonna end up with a lot more in retirement than a lot of people who are retiring now. So at the moment, we're doing a lot of job expensive and retirement and trying to make money last a little bit longer and drawing down less than we actually need to kind of give that to make sure things work and and stay invested as long as possible, whereas you and I are gonna have a very different kind of retirement.\n\nAnd our kids, again, are gonna have a very different retirement as well. The main difference is money is gonna be worth less in the future, so we may need to draw out more to cover our expenses. But there's nothing wrong with just sticking with that growth environment now if that's your comfort level. And then we review it in six months' time. We look at whether this new portfolio is working.\n\nIf it is right, if it's not, we readjust it again. If it's, you know, you're happy with things, you wanna just bump up the risk level, you feel like it's going really well and you wanna kinda take a little bit more, then we can always bump that up then as well. Does that feel comfortable there for yourself? Do you feel like that's a good plan? Yes.\n\nBeautiful. Excellent. I sorta just wanna don't want you to feel like you have to do everything at once. It's okay to sort of work in in increments and start slower and build on that because your super dump is at 200 k now. So it is really good.\n\nIt is working, and we'll sort of wanna make that compounding effect work a little bit harder for you. So if we start by doing that, I can make sure we do a catch up in six months' time. We'll see how things are tracking for you, and then, you know, do the advice first. Set a catch up in six months, and then come back and see how things are tracking and whether we need to adjust things further for you. How does that sound?\n\nYeah. Excellent. Excellent. All good. Beautiful.\n\nSo I'll go back and do some research and update the advice. Just takes a couple of weeks to put things together for you, but my team will book you back in once they've got that research completed. The only other documents in the annual review pack are they've got a copy of the certificate of currency with your insurance information so you can kind of have a bit more detail around that as well. And then we've also got the financial services guide in there. So if you wanna have a look at what I look like and all my licensing information is in there for you as well.\n\nAnd the document attached is the ongoing service agreement for the next twelve months there. So you are on the ongoing service fee of 1.65% per annum. That just continues for the year. So if you're happy to stay on board, want me to keep working and trying to make things work better for you and work towards your goals, I'll just ask you to sign and return that one back there for me. And, please, if you do find you have any questions, you're welcome to let me know.\n\nHappy to touch base whenever you want. I think one thing I do wanna do this year is make sure we are still touching base a little bit regularly. So my team are booking people in at least every six months just to see if you want a bit of a catch up just to see how things are tracking just so we can kind of pinpoint when things need to change there for you to keep your super on track. It make it a bit easier. Yes.\n\nAll good. Do you have any questions? I know I touch on a lot, and I'm very sorry. But is there any questions or anything that I haven't sort of tapped on that you might want to ask me or have me look at? Or yep.\n\nBeautiful. Beautiful. Just need to get these returns working better. It is super working better and get these underperforming investments going for you. Absolutely.\n\nYeah. Yeah. Definitely. No. Absolutely understand.\n\nYeah. Sometimes it can feel that way. Yeah. No. Absolutely.\n\nWell, I'll get stuck into that absolutely. I'll get stuck into the reset, see what I can do with the portfolio. I'll come back with the advice document. We'll go through that together. I'll show you what I'm changing, how it works for you, what it looks like, the advantages, the disadvantages, the risks involved, and then you get to take that away and decide what you wanna do with it moving forward.\n\nOkay. Excellent. Well, thank you so much for your time. I hope you have a lovely afternoon. Thanks, Ashley.\n\nEnjoy your weekend with your family. Enjoy your three weeks away. That'll be amazing. Lovely. Yeah.\n\nAll good. I'll talk to you very soon. I appreciate your time today. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Ashley.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.14020191878080368},{"text":"This is Dana from OC Financial.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.15450012683868408},{"text":"How are you this afternoon?","start":5.3599997,"end":6.58,"sentiment":"neutral","sentiment_score":0.2260846197605133},{"text":"Yeah.","start":8.0,"end":8.32,"sentiment":"neutral","sentiment_score":0.2424408793449402},{"text":"Good.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.5551726818084717}],"sentiment":"neutral","sentiment_score":0.209029417236646,"num_words":15,"start":2.8,"end":8.639999},{"sentences":[{"text":"Thank you.","start":8.639999,"end":9.44,"sentiment":"positive","sentiment_score":0.5882275402545929},{"text":"How's your day been so far?","start":9.44,"end":11.219999,"sentiment":"neutral","sentiment_score":0.27860430379708606},{"text":"All good.","start":19.835,"end":20.655,"sentiment":"neutral","sentiment_score":0.26004645228385925},{"text":"Oh, look.","start":23.755001,"end":24.154999,"sentiment":"neutral","sentiment_score":0.056605422869324684},{"text":"I'm the same.","start":24.154999,"end":24.795,"sentiment":"neutral","sentiment_score":0.06013737370570501}],"sentiment":"neutral","sentiment_score":0.24411978498101233,"num_words":15,"start":8.639999,"end":24.795},{"sentences":[{"text":"I think this is my seventh call for the day, and I'm like, yep.","start":24.795,"end":27.994999,"sentiment":"neutral","sentiment_score":0.0746855294065816},{"text":"Today has flown by.","start":27.994999,"end":29.17,"sentiment":"neutral","sentiment_score":0.1786852888762951},{"text":"I think it's crazy.","start":29.17,"end":30.95,"sentiment":"neutral","sentiment_score":0.036570669151842594},{"text":"They're all good.","start":33.010002,"end":34.23,"sentiment":"positive","sentiment_score":0.5424425899982452},{"text":"Actually, I had people pinned just to run through your annual review for the for this year.","start":34.29,"end":37.89,"sentiment":"neutral","sentiment_score":0.15478736753849423}],"sentiment":"neutral","sentiment_score":0.14679367290366263,"num_words":42,"start":24.795,"end":37.89},{"sentences":[{"text":"Is now still a good time there for you?","start":37.89,"end":39.989998,"sentiment":"neutral","sentiment_score":0.1558055654168129},{"text":"Yep.","start":41.25,"end":41.655,"sentiment":"neutral","sentiment_score":0.21800760924816132},{"text":"Beautiful.","start":41.975,"end":42.475,"sentiment":"positive","sentiment_score":0.474439412355423},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":42.855,"end":47.254997,"sentiment":"neutral","sentiment_score":0.10514041816904432},{"text":"Are you happy to proceed with that?","start":47.254997,"end":49.035,"sentiment":"neutral","sentiment_score":0.11665168085268565}],"sentiment":"neutral","sentiment_score":0.13126173481727257,"num_words":39,"start":37.89,"end":49.035},{"sentences":[{"text":"Fantastic.","start":50.295,"end":50.795,"sentiment":"positive","sentiment_score":0.5389530658721924},{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address that you have on file.","start":51.015,"end":59.57,"sentiment":"neutral","sentiment_score":0.14438679503897825},{"text":"Mhmm.","start":59.789997,"end":60.289997,"sentiment":"neutral","sentiment_score":0.0168643556535244},{"text":"Yep.","start":61.39,"end":61.89,"sentiment":"neutral","sentiment_score":0.03187457099556923},{"text":"Beautiful.","start":64.189995,"end":64.689995,"sentiment":"positive","sentiment_score":0.37606361508369446}],"sentiment":"neutral","sentiment_score":0.15574586643453905,"num_words":34,"start":50.295,"end":64.689995},{"sentences":[{"text":"Thank you so much for that.","start":64.83,"end":66.53,"sentiment":"positive","sentiment_score":0.5219245801369349},{"text":"As part of the annual review, I do normally send through some annual review documents so you can go through them with me.","start":66.909996,"end":73.585,"sentiment":"neutral","sentiment_score":0.14967674826798233},{"text":"Are you able to access your emails there currently?","start":73.585,"end":76.244995,"sentiment":"neutral","sentiment_score":0.040220328917105995},{"text":"Or I'm just doing it now.","start":76.384995,"end":79.84499,"sentiment":"neutral","sentiment_score":0.04767312357823054},{"text":"Yeah.","start":81.265,"end":81.505,"sentiment":"neutral","sentiment_score":0.08567734062671661}],"sentiment":"neutral","sentiment_score":0.16239581629633904,"num_words":45,"start":64.83,"end":81.505},{"sentences":[{"text":"You're right.","start":81.505,"end":82.325,"sentiment":"neutral","sentiment_score":0.1272520199418068},{"text":"I'll send it through.","start":83.104996,"end":84.48499,"sentiment":"neutral","sentiment_score":0.09321034885942936},{"text":"There we go.","start":88.53,"end":89.350006,"sentiment":"neutral","sentiment_score":0.09362457444270451},{"text":"Me it's sent.","start":89.490005,"end":90.29,"sentiment":"neutral","sentiment_score":0.10765145967404048},{"text":"It should come through from Odoo sign, and I think it comes through from Gaynor or OQ Finance too to make it easier as well.","start":90.29,"end":96.39,"sentiment":"neutral","sentiment_score":0.15920529782772064}],"sentiment":"neutral","sentiment_score":0.14084610765850222,"num_words":37,"start":81.505,"end":96.39},{"sentences":[{"text":"Yep.","start":98.69,"end":99.19,"sentiment":"neutral","sentiment_score":0.08494525402784348},{"text":"Perfect.","start":100.555,"end":101.034996,"sentiment":"neutral","sentiment_score":0.32415157556533813},{"text":"So if you press that button, it'll take you through so you can review the documents.","start":101.034996,"end":104.895,"sentiment":"neutral","sentiment_score":0.16493756929412484},{"text":"I am very blunt.","start":105.115,"end":106.075,"sentiment":"neutral","sentiment_score":-0.31261936109513044},{"text":"I never want you to sign anything you haven't read.","start":106.075,"end":108.155,"sentiment":"negative","sentiment_score":-0.36563590317964556}],"sentiment":"neutral","sentiment_score":-0.05808557930868119,"num_words":32,"start":98.69,"end":108.155},{"sentences":[{"text":"So pressing that button just takes you through so you can see each of the documents attached, and I'll take you through each of them.","start":108.155,"end":113.755,"sentiment":"neutral","sentiment_score":0.06643616169691086},{"text":"And you're welcome to go back and read them before you sign anything if you if you choose to do so.","start":113.755,"end":118.77,"sentiment":"neutral","sentiment_score":0.1680859439074993},{"text":"Okay.","start":118.909996,"end":119.409996,"sentiment":"neutral","sentiment_score":0.17349949479103088},{"text":"Easy.","start":121.07,"end":121.57,"sentiment":"positive","sentiment_score":0.394476056098938},{"text":"Now the first document, when it takes you through there, it should show you.","start":122.43,"end":126.61,"sentiment":"neutral","sentiment_score":0.20746631068842752}],"sentiment":"neutral","sentiment_score":0.13972923814529373,"num_words":62,"start":108.155,"end":126.61},{"sentences":[{"text":"I'm just pulling them up, so I had to pull them up after I set them.","start":127.405,"end":130.305,"sentiment":"neutral","sentiment_score":0.12553103221580386},{"text":"Beautiful.","start":130.36499,"end":130.86499,"sentiment":"positive","sentiment_score":0.6876736283302307},{"text":"It should be your summary of superannuation and insurance in there.","start":131.405,"end":135.005,"sentiment":"positive","sentiment_score":0.5010418512604453},{"text":"Can you see that one?","start":135.005,"end":136.385,"sentiment":"neutral","sentiment_score":0.2347068667411804},{"text":"Yep.","start":138.125,"end":138.605,"sentiment":"neutral","sentiment_score":0.23615197837352753}],"sentiment":"neutral","sentiment_score":0.28286225940374765,"num_words":34,"start":127.405,"end":138.605},{"sentences":[{"text":"Beautiful.","start":138.605,"end":139.105,"sentiment":"positive","sentiment_score":0.535403847694397},{"text":"So with the one, they're giving you an updated balance.","start":139.245,"end":141.805,"sentiment":"neutral","sentiment_score":0.24133570343255997},{"text":"So I had a look back at your balance as of the last annual review.","start":141.805,"end":145.13,"sentiment":"neutral","sentiment_score":0.1271023338039716},{"text":"You had about a $191,046.42 there.","start":145.13,"end":149.61,"sentiment":"neutral","sentiment_score":0.08348673954606056},{"text":"So we're sitting here at $201,002.59 and 22¢ as of the twenty sixth of yesterday's date there.","start":149.61,"end":156.89,"sentiment":"neutral","sentiment_score":0.07389556081034243}],"sentiment":"neutral","sentiment_score":0.13621969373586276,"num_words":49,"start":138.605,"end":156.89},{"sentences":[{"text":"Okay.","start":156.89,"end":157.39,"sentiment":"neutral","sentiment_score":0.07291361689567566},{"text":"Excellent.","start":158.955,"end":159.455,"sentiment":"positive","sentiment_score":0.352350115776062},{"text":"Under yes.","start":160.47499,"end":162.095,"sentiment":"neutral","sentiment_score":0.014638335909694433},{"text":"You're right.","start":162.635,"end":163.11499,"sentiment":"neutral","sentiment_score":0.009371035965159535},{"text":"It was November last year.","start":163.11499,"end":164.89499,"sentiment":"neutral","sentiment_score":-0.010227433405816555}],"sentiment":"neutral","sentiment_score":0.03837684630839662,"num_words":11,"start":156.89,"end":164.89499},{"sentences":[{"text":"It has $191,046.42.","start":168.39499,"end":175.37001,"sentiment":"neutral","sentiment_score":-0.02689212964226802},{"text":"Yeah.","start":175.51001,"end":176.01001,"sentiment":"neutral","sentiment_score":0.0028798095881938934},{"text":"It honestly has, and that's the other thing I sorta wanted to talk to you about.","start":179.19,"end":182.07,"sentiment":"neutral","sentiment_score":0.022248622961342335},{"text":"I had a bit of a review of where everything has sort of been for this year.","start":182.07,"end":186.17,"sentiment":"neutral","sentiment_score":0.00007472899468506063},{"text":"And if you move forward to the next document there, you'll have your performance report there.","start":186.27501,"end":190.615,"sentiment":"neutral","sentiment_score":0.06811850308440626}],"sentiment":"neutral","sentiment_score":0.025836751515151194,"num_words":53,"start":168.39499,"end":190.615},{"sentences":[{"text":"There has obviously been quite a bit happening within the market this year, so we have seen a bit of volatility out there.","start":190.91501,"end":196.695,"sentiment":"neutral","sentiment_score":-0.07807144943786704},{"text":"But when I sort of went back to review your investors, I can see one here that's sort of holding back, and I wanna kinda go back as part of after the call and do some updated advice for you because I would like to maybe update some of these investments.","start":197.07501,"end":209.47,"sentiment":"neutral","sentiment_score":0.020551210671078925},{"text":"Are you looking at that performance report there on the first page?","start":210.65001,"end":213.87,"sentiment":"neutral","sentiment_score":0.040744126153488956},{"text":"Yes.","start":215.29001,"end":215.79001,"sentiment":"neutral","sentiment_score":0.19848430156707764},{"text":"Beautiful.","start":216.44499,"end":216.94499,"sentiment":"neutral","sentiment_score":0.029715869575738907}],"sentiment":"neutral","sentiment_score":-0.00034547622569582677,"num_words":88,"start":190.91501,"end":216.94499},{"sentences":[{"text":"So the top one there, the Ben among Australian equities, that one there is more of an actively managed fund.","start":217.005,"end":222.205,"sentiment":"neutral","sentiment_score":-0.055105310212820766},{"text":"And, unfortunately, the active manager within the fund has sort of been underperforming quite significantly this year.","start":222.205,"end":227.745,"sentiment":"negative","sentiment_score":-0.5808456855661729},{"text":"They had done really well for a certain portion of the year, but then had quite a decent pullback.","start":228.045,"end":232.6,"sentiment":"neutral","sentiment_score":-0.31491141413387497},{"text":"And that is having quite a significant effect on your super fund at the moment.","start":233.06,"end":237.3,"sentiment":"negative","sentiment_score":-0.428772097826004},{"text":"So I do wanna look at maybe removing that one out of the portfolio.","start":237.3,"end":240.68001,"sentiment":"neutral","sentiment_score":-0.21740584394761495}],"sentiment":"neutral","sentiment_score":-0.3110007412950782,"num_words":85,"start":217.005,"end":240.68001},{"sentences":[{"text":"We are not able to do so until we update the advice to reflect.","start":241.78,"end":245.62001,"sentiment":"neutral","sentiment_score":-0.22669989402805055},{"text":"And in order to do that, I do have to reassess your goals there.","start":245.62001,"end":249.06499,"sentiment":"neutral","sentiment_score":-0.12879643216729164},{"text":"So that is one of the ones I definitely wanna look at removing for you.","start":249.06499,"end":253.00499,"sentiment":"neutral","sentiment_score":-0.08287164842089018},{"text":"The other one I'm looking at sort of replacing at the moment is the Fair Next property.","start":253.385,"end":257.32498,"sentiment":"neutral","sentiment_score":0.030222900595296833},{"text":"So because of, obviously, the changes that have come out from the government late this year after June, July, property has taken a little bit back here.","start":257.54498,"end":266.16998,"sentiment":"neutral","sentiment_score":0.004493872462599365}],"sentiment":"neutral","sentiment_score":-0.06419424628089557,"num_words":87,"start":241.78,"end":266.16998},{"sentences":[{"text":"So that is also down about 10% within your portfolio.","start":266.16998,"end":269.38998,"sentiment":"neutral","sentiment_score":0.0016879022121429443},{"text":"And whilst that has had some good returns in the past, I think switching those two out for now and looking to replace them with something else might be very beneficial.","start":269.53,"end":278.625,"sentiment":"neutral","sentiment_score":0.08250952103445607},{"text":"I also am looking at the bank hybrid debt.","start":280.285,"end":282.685,"sentiment":"neutral","sentiment_score":0.07049098900622791},{"text":"So whilst we are looking to make some changes to your portfolio, the government is phasing these out down the track by 2028.","start":282.685,"end":290.525,"sentiment":"neutral","sentiment_score":0.006534564430299012},{"text":"So, realistically, if I'm gonna make some changes to your portfolio, I'm better off to also look at maybe replacing that with another defensive asset as well.","start":290.525,"end":298.52,"sentiment":"neutral","sentiment_score":-0.004110043514864864}],"sentiment":"neutral","sentiment_score":0.032484168822411445,"num_words":100,"start":266.16998,"end":298.52},{"sentences":[{"text":"That way, we don't come back down the track and find we have to remove that out at a time where we maybe not be providing any good advice on your portfolio.","start":298.98,"end":306.6,"sentiment":"neutral","sentiment_score":-0.12797299108933657},{"text":"So I definitely can see some changes I would like to make then.","start":306.875,"end":311.05502,"sentiment":"neutral","sentiment_score":0.1829646946145938},{"text":"I also sort of how do you look at try maybe rebalance your portfolio back a little bit as well?","start":311.755,"end":317.035,"sentiment":"neutral","sentiment_score":0.08352861218154431},{"text":"I'll go back and readjust the waiting just to make sure that you're rebalanced correctly.","start":317.035,"end":322.16,"sentiment":"neutral","sentiment_score":0.05759030692279339},{"text":"Obviously, some investments do grow at higher or faster rates than others, which can also increase or decrease your risk level and your overall weighting.","start":322.22,"end":331.59998,"sentiment":"neutral","sentiment_score":-0.0293907268345356}],"sentiment":"neutral","sentiment_score":0.0007910856356223424,"num_words":105,"start":298.98,"end":331.59998},{"sentences":[{"text":"So readjusting that could also be really important to sort of look at there.","start":331.66,"end":336.105,"sentiment":"neutral","sentiment_score":0.05753380579075643},{"text":"But, look, I'm honest, the market's having a bit up and down this year, but all in all the Australian and US markets are actually showing some good performance of late.","start":336.105,"end":345.405,"sentiment":"neutral","sentiment_score":0.12103333696722984},{"text":"And so for these two investments to definitely be down there, they are holding your portfolio back this year.","start":346.105,"end":351.36002,"sentiment":"neutral","sentiment_score":-0.11538474104906384},{"text":"So I did wanna come into the call and be honest and open and let you know I've seen this happen, and I do wanna do some make some replacements there for you if you're comfortable with me doing that.","start":351.36002,"end":360.98,"sentiment":"neutral","sentiment_score":0.11272705318406225},{"text":"Yeah.","start":362.72,"end":363.04,"sentiment":"neutral","sentiment_score":0.22246956825256348}],"sentiment":"neutral","sentiment_score":0.06758807945464339,"num_words":105,"start":331.66,"end":363.04},{"sentences":[{"text":"Excellent.","start":363.04,"end":363.54,"sentiment":"positive","sentiment_score":0.6047967672348022},{"text":"All good.","start":363.84003,"end":364.66,"sentiment":"positive","sentiment_score":0.5700456202030182},{"text":"Other than that, though, the other investments are working really, really nicely.","start":365.265,"end":368.805,"sentiment":"positive","sentiment_score":0.5071653773387274},{"text":"You've got some core composite bonds in there.","start":369.025,"end":370.945,"sentiment":"positive","sentiment_score":0.35583876445889473},{"text":"They are defensive in nature.","start":370.945,"end":372.565,"sentiment":"neutral","sentiment_score":0.2693590372800827}],"sentiment":"positive","sentiment_score":0.4294420656348978,"num_words":28,"start":363.04,"end":372.565},{"sentences":[{"text":"They are showing a positive result for the year, albeit it is a lower positive result.","start":373.105,"end":377.825,"sentiment":"neutral","sentiment_score":0.2886717673391104},{"text":"Core composite bonds and fixed can have a negative effect when inflation is high, and we have had some very high inflation, miss Kitty.","start":377.825,"end":385.74,"sentiment":"neutral","sentiment_score":-0.194163057487458},{"text":"Sorry.","start":385.74,"end":386.24,"sentiment":"neutral","sentiment_score":-0.04493993893265724},{"text":"We've also got the S and P 500, which is the second from the bottom.","start":387.26,"end":390.86,"sentiment":"neutral","sentiment_score":0.03531678356230259},{"text":"That's giving you exposure into the top 500 companies in The US there.","start":390.86,"end":394.935,"sentiment":"neutral","sentiment_score":0.0483127236366272}],"sentiment":"neutral","sentiment_score":0.015532059702968252,"num_words":69,"start":373.105,"end":394.935},{"sentences":[{"text":"That is up over all 9.03%.","start":395.01498,"end":398.29498,"sentiment":"neutral","sentiment_score":0.1072834183772405},{"text":"So while that is a bit on the low side for that kind of investment with the ups and downs that has been occurring in the market, the volatility there, we have sort of, as of kind of June this year, seen a bit more of a I wouldn't say it's crazy steady, but it has been a lot steadier in the markets than it was around the April, March, and April kind of period there.","start":398.29498,"end":420.58002,"sentiment":"neutral","sentiment_score":0.010398205002083591},{"text":"So we have seen it evening out, and that is actually showing a positive result.","start":420.58002,"end":425.4,"sentiment":"positive","sentiment_score":0.3549252351125081},{"text":"The other one that's really good to look at is the keywords.","start":426.075,"end":429.455,"sentiment":"neutral","sentiment_score":0.254337673385938},{"text":"That's the fourth one from the top.","start":429.995,"end":432.255,"sentiment":"neutral","sentiment_score":0.15389411790030344}],"sentiment":"neutral","sentiment_score":0.09385477175036895,"num_words":116,"start":395.01498,"end":432.255},{"sentences":[{"text":"That is the beta shares Rafi, so giving you exposure to the Australian market.","start":432.635,"end":437.135,"sentiment":"neutral","sentiment_score":0.18987015315464564},{"text":"That was performed by 15.49% in your portfolio, So that is really nice.","start":437.195,"end":442.54,"sentiment":"positive","sentiment_score":0.38172849783530605},{"text":"It's kind of an indicator I look at that we do sort of look at where Bennelong I mean, Australian equities are still technically doing quite well.","start":443.32,"end":452.14,"sentiment":"neutral","sentiment_score":0.29891963799794513},{"text":"So the fact that Bennelong isn't performing well when it is giving you Australian equity exposure, so it shows it's something within the the fund itself and not so much around the market.","start":452.76,"end":462.525,"sentiment":"neutral","sentiment_score":-0.22863284092057834},{"text":"That's why moving it will be a good thing.","start":463.305,"end":465.305,"sentiment":"positive","sentiment_score":0.41484588384628296}],"sentiment":"neutral","sentiment_score":0.12375220881464581,"num_words":96,"start":432.635,"end":465.305},{"sentences":[{"text":"But, yeah, the beta shares Rafi Australia equities has done very nicely as well.","start":465.305,"end":470.96002,"sentiment":"positive","sentiment_score":0.5694528615900448},{"text":"A battery and lithium tech is up over 36% within your portfolio.","start":470.96002,"end":474.82,"sentiment":"positive","sentiment_score":0.3886054903268814},{"text":"And physical gold, we saw a pretty heavy dip around about 80% back in February.","start":475.44,"end":481.30002,"sentiment":"neutral","sentiment_score":-0.08956347703933716},{"text":"But since then, we have had a bit of a steady recovery point from that.","start":482.075,"end":486.255,"sentiment":"neutral","sentiment_score":-0.04279837061961492},{"text":"So that is still absolutely.","start":486.555,"end":493.375,"sentiment":"neutral","sentiment_score":-0.20151566565036774}],"sentiment":"neutral","sentiment_score":0.15807540824667352,"num_words":61,"start":465.305,"end":493.375},{"sentences":[{"text":"Absolutely.","start":494.155,"end":494.655,"sentiment":"neutral","sentiment_score":0.08495929837226868},{"text":"I know.","start":495.035,"end":495.615,"sentiment":"neutral","sentiment_score":0.0038866521790623665},{"text":"Still was, yeah, absolutely.","start":495.915,"end":501.35,"sentiment":"neutral","sentiment_score":0.09336747787892818},{"text":"And I still was still seeing a little bit of a dip there.","start":501.49002,"end":504.05002,"sentiment":"neutral","sentiment_score":-0.12740681435053164},{"text":"It was sort of pretty heavily affected with inflationary pressures, and it's still kind of trying to come out of that slump.","start":504.05002,"end":509.65002,"sentiment":"neutral","sentiment_score":-0.259647706692869}],"sentiment":"neutral","sentiment_score":-0.16434132427509343,"num_words":42,"start":494.155,"end":509.65002},{"sentences":[{"text":"So I'm really happy with the gold and what that's done in your portfolio there.","start":509.65002,"end":514.585,"sentiment":"positive","sentiment_score":0.3684455489118894},{"text":"But, yeah, those other couple, I definitely wanna look at replacing for you.","start":514.885,"end":518.745,"sentiment":"neutral","sentiment_score":0.02824695437000348},{"text":"Your portfolio as a whole, if you look at the next page, it does sort of show here that the earnings as a dollar figure in the last twelve months there.","start":519.685,"end":530.41,"sentiment":"neutral","sentiment_score":0.06810410200588164},{"text":"So all of your income cost growth there is about $14,616.13, which as a net return after fee, it shows about 5.70%.","start":530.41,"end":541.57495,"sentiment":"neutral","sentiment_score":0.1179926497015086},{"text":"So it is much on the lower side than where I would like it to be, and I definitely wanna update the advice to kind of see if we can make it work a little bit harder there for you as well.","start":541.57495,"end":550.535,"sentiment":"neutral","sentiment_score":-0.04484862372988746}],"sentiment":"neutral","sentiment_score":0.07087249511746856,"num_words":123,"start":509.65002,"end":550.535},{"sentences":[{"text":"Okay.","start":550.535,"end":551.035,"sentiment":"neutral","sentiment_score":0.22892695665359497},{"text":"Excellent.","start":553.07,"end":553.57,"sentiment":"positive","sentiment_score":0.5141918063163757},{"text":"The thing that I sort of wanted to touch base on with you to sort of look at how to update your portfolio, because I've got a few different options in mind to sort of readapt it for you.","start":554.67,"end":562.85004,"sentiment":"neutral","sentiment_score":0.23914277992951563},{"text":"With the Benelux Australian Equities, as I mentioned, that is more of an actively managed fund.","start":563.55,"end":568.46497,"sentiment":"neutral","sentiment_score":0.11466700607707025},{"text":"So depending on your preference, I mean, having a look at things, as of this month, you're 39.","start":568.46497,"end":575.76495,"sentiment":"neutral","sentiment_score":0.03442004069478975}],"sentiment":"neutral","sentiment_score":0.1669856001328056,"num_words":75,"start":550.535,"end":575.76495},{"sentences":[{"text":"Yep.","start":578.07996,"end":578.39996,"sentiment":"neutral","sentiment_score":0.12306611239910126},{"text":"Don't feel bad.","start":578.39996,"end":579.27997,"sentiment":"neutral","sentiment_score":0.07566855723659198},{"text":"I'm older than you.","start":579.27997,"end":580.24,"sentiment":"neutral","sentiment_score":0.0704955942928791},{"text":"It's fine.","start":580.24,"end":580.89996,"sentiment":"neutral","sentiment_score":0.24110116809606552},{"text":"I'm in my forties.","start":583.12,"end":584.18,"sentiment":"neutral","sentiment_score":0.18009155988693237}],"sentiment":"neutral","sentiment_score":0.13104448121573245,"num_words":14,"start":578.07996,"end":584.18},{"sentences":[{"text":"You're you're still young.","start":584.24,"end":585.38,"sentiment":"neutral","sentiment_score":0.2187628448009491},{"text":"Is that thank you.","start":588.48,"end":590.18,"sentiment":"neutral","sentiment_score":0.18760662525892258},{"text":"A lot of people tell me that, and I'm like, really?","start":590.32,"end":592.82,"sentiment":"neutral","sentiment_score":0.04542879580350762},{"text":"No.","start":594.825,"end":595.065,"sentiment":"neutral","sentiment_score":0.011586949229240416},{"text":"Thank you.","start":595.065,"end":595.805,"sentiment":"neutral","sentiment_score":0.18644209951162338}],"sentiment":"neutral","sentiment_score":0.11407571737866172,"num_words":22,"start":584.24,"end":595.805},{"sentences":[{"text":"With the spend along Australian equities, it is more of an actively managed fund.","start":596.505,"end":600.025,"sentiment":"neutral","sentiment_score":0.054392460733652115},{"text":"And given that you can't access super until the age of 60, that's the earliest point of this time frame.","start":600.025,"end":605.065,"sentiment":"neutral","sentiment_score":0.020963708497583868},{"text":"You've got that twenty one years before accessing there.","start":605.065,"end":607.785,"sentiment":"neutral","sentiment_score":-0.015845990429321926},{"text":"So we can, depending on your preference, replace that with maybe another active manager.","start":607.785,"end":612.94,"sentiment":"neutral","sentiment_score":0.04052399431488344},{"text":"Active managers within those firms are trying to outperform against the market.","start":613.56006,"end":617.56006,"sentiment":"neutral","sentiment_score":0.1036746259778738}],"sentiment":"neutral","sentiment_score":0.04129834983335889,"num_words":69,"start":596.505,"end":617.56006},{"sentences":[{"text":"You often do pay a little bit more in management fees to kind of have that in your portfolio.","start":617.56006,"end":622.22003,"sentiment":"neutral","sentiment_score":0.05969998044402976},{"text":"Otherwise, I can look at swapping that out with something a little bit more low cost, maybe more to passively manage ETF fund that is tracking the market, which over the long term can actually outperform and do better than these active managers.","start":623.125,"end":637.37994,"sentiment":"neutral","sentiment_score":0.17336152944453928},{"text":"What sort of your preference?","start":637.37994,"end":638.81995,"sentiment":"neutral","sentiment_score":0.028886430710554124},{"text":"What would you like me to look at when I'm looking at portfolios for you?","start":638.81995,"end":642.43994,"sentiment":"neutral","sentiment_score":0.024168075372775395},{"text":"Yep.","start":657.555,"end":658.055,"sentiment":"neutral","sentiment_score":0.01473628357052803}],"sentiment":"neutral","sentiment_score":0.10976548147309258,"num_words":83,"start":617.56006,"end":658.055},{"sentences":[{"text":"Yep.","start":662.595,"end":662.85,"sentiment":"neutral","sentiment_score":0.05722525715827942},{"text":"Absolutely.","start":665.81,"end":666.31,"sentiment":"neutral","sentiment_score":0.0574595108628273},{"text":"Yeah.","start":670.20996,"end":670.70996,"sentiment":"neutral","sentiment_score":-0.030231963843107224},{"text":"It it is there always is, and that's why it's good to kinda review the portfolios and update them on a regular basis.","start":671.49,"end":677.49,"sentiment":"neutral","sentiment_score":0.13155017550224843},{"text":"I mean, when we sort of look at things last year, I know your portfolio performance last year was really good.","start":677.49,"end":682.41504,"sentiment":"neutral","sentiment_score":0.2382838594771567}],"sentiment":"neutral","sentiment_score":0.17263974233510646,"num_words":47,"start":662.595,"end":682.41504},{"sentences":[{"text":"You were at a really good starting point, but then no one could have guessed what we went through this year.","start":682.41504,"end":687.235,"sentiment":"neutral","sentiment_score":0.18682594348986944},{"text":"I mean, back in 2020, no one would have thought we were going through COVID in that time either.","start":687.375,"end":692.4,"sentiment":"neutral","sentiment_score":-0.03460252086484903},{"text":"So we never really know what's gonna happen.","start":692.4,"end":695.52,"sentiment":"neutral","sentiment_score":-0.0623936930205673},{"text":"But one of the things I do like to make sure we are doing is that we are investing in portfolios that have withstood those downtime.","start":695.52,"end":701.78,"sentiment":"neutral","sentiment_score":0.013874797150492668},{"text":"There's nothing in there that sort of hasn't been around for longer than five to ten years, and investors that have been been through the downtime, wither the storm, and come back to recover because it shows stability.","start":702.56,"end":714.235,"sentiment":"neutral","sentiment_score":-0.006353162976570036}],"sentiment":"neutral","sentiment_score":0.025768499156194075,"num_words":112,"start":682.41504,"end":714.235},{"sentences":[{"text":"It shows that they have the longevity, and that they do this kind of environment where there is volatility around.","start":714.375,"end":721.255,"sentiment":"neutral","sentiment_score":0.04270008681342006},{"text":"So that's one of the things I do definitely like to look for.","start":721.255,"end":724.13,"sentiment":"neutral","sentiment_score":0.1227303625872502},{"text":"But if you're wanting that low cost aspect, there's a couple of different options that I'm looking to replace things with, and I can go back and review that for you.","start":724.67004,"end":733.63,"sentiment":"neutral","sentiment_score":0.1299845499377097},{"text":"I can also review all the other investments if I find there's, you know, a newer portfolio that might be providing greater growth, as well as maybe lower cost fees and things like that.","start":733.63,"end":743.16504,"sentiment":"neutral","sentiment_score":0.14415979582597227},{"text":"I can absolutely, if you're comfortable with it, recommend it and show you what that looks like whenever we do update the portfolio.","start":743.16504,"end":750.93,"sentiment":"positive","sentiment_score":0.4097187752309053}],"sentiment":"neutral","sentiment_score":0.17193373873029366,"num_words":121,"start":714.375,"end":750.93},{"sentences":[{"text":"I do put it into an advice document, so we'll come back and look at that together.","start":751.55,"end":755.49,"sentiment":"neutral","sentiment_score":0.18510836275184855},{"text":"I'll go through the recommendations, the changes that I wanna make for you.","start":755.63,"end":759.32996,"sentiment":"neutral","sentiment_score":0.17580482478325182},{"text":"You'll get to see the advantages, the disadvantages, the risks involved, and then take that away and decide what you're comfortable taking on board.","start":759.55,"end":766.155,"sentiment":"neutral","sentiment_score":0.0856508285117646},{"text":"Does that sound okay?","start":766.155,"end":767.215,"sentiment":"neutral","sentiment_score":0.10492045432329178},{"text":"Yep.","start":768.955,"end":769.435,"sentiment":"neutral","sentiment_score":0.27095913887023926}],"sentiment":"neutral","sentiment_score":0.138619758125584,"num_words":59,"start":751.55,"end":769.435},{"sentences":[{"text":"Beautiful.","start":769.435,"end":769.935,"sentiment":"positive","sentiment_score":0.6660147905349731},{"text":"Fantastic.","start":769.995,"end":770.495,"sentiment":"positive","sentiment_score":0.6303613185882568},{"text":"On the page beforehand, we will also have your insurance as noted down there.","start":772.315,"end":777.135,"sentiment":"neutral","sentiment_score":0.16384656354784966},{"text":"Now your life cover at the moment you've got with one pass gives you a current sum insured of 1,102,500.","start":777.8,"end":786.06,"sentiment":"neutral","sentiment_score":0.12282980903983116},{"text":"I'm thinking about the level of life cover you have there, and if you were to then pass away today, your super benefit is also paid out on top of that.","start":786.44,"end":794.115,"sentiment":"neutral","sentiment_score":0.10132396125024365}],"sentiment":"neutral","sentiment_score":0.1371323429604075,"num_words":67,"start":769.435,"end":794.115},{"sentences":[{"text":"Do you still feel pretty happy with the level of life cover?","start":794.415,"end":797.375,"sentiment":"neutral","sentiment_score":0.10650952781240146},{"text":"Did you wanna kinda review that at all?","start":797.375,"end":799.63495,"sentiment":"neutral","sentiment_score":0.044170652981847525},{"text":"Yes.","start":802.25494,"end":802.75494,"sentiment":"neutral","sentiment_score":0.033007074147462845},{"text":"Yeah.","start":808.73,"end":809.21,"sentiment":"neutral","sentiment_score":0.11592866480350494},{"text":"Absolutely.","start":809.21,"end":809.71,"sentiment":"neutral","sentiment_score":0.20123083889484408}],"sentiment":"neutral","sentiment_score":0.0861585276282352,"num_words":23,"start":794.415,"end":809.71},{"sentences":[{"text":"Mortgage wise, I've got you down here as owing about 360,000 on the home still.","start":810.65,"end":815.93,"sentiment":"neutral","sentiment_score":0.09805057297150294},{"text":"Is that correct, or is that reduced a bit?","start":815.93,"end":818.19,"sentiment":"neutral","sentiment_score":0.04997709227932824},{"text":"Mhmm.","start":830.125,"end":830.625,"sentiment":"neutral","sentiment_score":0.013724615797400476},{"text":"Yep.","start":830.685,"end":831.185,"sentiment":"neutral","sentiment_score":0.02440645545721054},{"text":"That's $3.35.","start":840.09,"end":840.218,"sentiment":"neutral","sentiment_score":0.016614172607660294}],"sentiment":"neutral","sentiment_score":0.07113970862701535,"num_words":28,"start":810.65,"end":840.218},{"sentences":[{"text":"106,000 again.","start":840.218,"end":841.61,"sentiment":"neutral","sentiment_score":0.037862254306674004},{"text":"So beautiful.","start":841.61,"end":842.25,"sentiment":"positive","sentiment_score":0.37973397970199585},{"text":"So is that $3.35 after you subtract the 106,000, or will that come off that $1.30 5 before?","start":842.25,"end":849.51495,"sentiment":"neutral","sentiment_score":0.02329332593621479},{"text":"Yeah.","start":850.375,"end":850.875,"sentiment":"neutral","sentiment_score":-0.00940900295972824},{"text":"Yeah.","start":854.055,"end":854.45496,"sentiment":"neutral","sentiment_score":0.02876739203929901}],"sentiment":"neutral","sentiment_score":0.05307628016453236,"num_words":24,"start":840.218,"end":854.45496},{"sentences":[{"text":"No.","start":854.45496,"end":854.69495,"sentiment":"neutral","sentiment_score":0.051694877445697784},{"text":"That's perfect.","start":854.69495,"end":855.51495,"sentiment":"neutral","sentiment_score":0.2470894381403923},{"text":"Done really well.","start":855.89496,"end":856.83,"sentiment":"neutral","sentiment_score":0.32698888580004376},{"text":"Excellent.","start":856.91003,"end":857.31006,"sentiment":"positive","sentiment_score":0.5820435881614685},{"text":"You're definitely a lot more in front of your home loan than a lot of other people are to your age, so that's awesome.","start":857.31006,"end":862.77,"sentiment":"neutral","sentiment_score":0.28552386723458767}],"sentiment":"neutral","sentiment_score":0.2890792520296189,"num_words":31,"start":854.45496,"end":862.77},{"sentences":[{"text":"Yeah.","start":865.47003,"end":865.97003,"sentiment":"neutral","sentiment_score":0.052307307720184326},{"text":"Yeah.","start":867.71,"end":867.95,"sentiment":"neutral","sentiment_score":0.04288613796234131},{"text":"Understand that.","start":867.95,"end":869.01,"sentiment":"neutral","sentiment_score":0.032107505947351456},{"text":"Yeah.","start":869.15,"end":869.65,"sentiment":"neutral","sentiment_score":0.01795758306980133},{"text":"Understand that.","start":870.59503,"end":871.315,"sentiment":"neutral","sentiment_score":0.007355695590376854}],"sentiment":"neutral","sentiment_score":0.027439633118254796,"num_words":7,"start":865.47003,"end":871.315},{"sentences":[{"text":"I think I bought my place back about fifteen years ago for 250,000.","start":871.315,"end":875.895,"sentiment":"neutral","sentiment_score":-0.0001286564824672846},{"text":"You can't pay for 250,000 anymore.","start":875.955,"end":878.695,"sentiment":"neutral","sentiment_score":-0.05798738325635592},{"text":"That's an yeah.","start":880.755,"end":882.515,"sentiment":"neutral","sentiment_score":0.009172703915586075},{"text":"Ranchweed Head.","start":882.515,"end":883.315,"sentiment":"neutral","sentiment_score":0.013983235228806734},{"text":"So just South of the Gold Coast.","start":883.315,"end":884.85,"sentiment":"neutral","sentiment_score":0.019305405340024402}],"sentiment":"neutral","sentiment_score":-0.00512820691050541,"num_words":31,"start":871.315,"end":884.85},{"sentences":[{"text":"Very lucky.","start":885.08997,"end":885.73,"sentiment":"neutral","sentiment_score":-0.017686898820102215},{"text":"I've only got a very small house, but, yeah, I was very lucky to get that property.","start":885.73,"end":889.97,"sentiment":"neutral","sentiment_score":-0.014693595359430593},{"text":"It's pretty rundown.","start":889.97,"end":890.85,"sentiment":"neutral","sentiment_score":-0.1539930800596873},{"text":"There's been a lot of work that goes into it.","start":890.85,"end":893.02997,"sentiment":"neutral","sentiment_score":-0.07845271080732345},{"text":"But yeah.","start":893.81,"end":894.63,"sentiment":"neutral","sentiment_score":0.015635931864380836}],"sentiment":"neutral","sentiment_score":-0.04412939421394292,"num_words":34,"start":885.08997,"end":894.63},{"sentences":[{"text":"Yeah.","start":894.93,"end":895.25,"sentiment":"neutral","sentiment_score":0.05178730562329292},{"text":"I understand where you're coming from.","start":895.25,"end":896.76996,"sentiment":"neutral","sentiment_score":0.06844544100264709},{"text":"Having a small mortgage is definitely a benefit to it.","start":896.76996,"end":896.99854,"sentiment":"neutral","sentiment_score":0.20580263882875444},{"text":"In saying that my mortgage is saying that my mortgage is no longer that small.","start":896.99854,"end":902.345,"sentiment":"neutral","sentiment_score":0.033121851334969206},{"text":"I have an investment property now as well that my kids live in.","start":902.345,"end":905.325,"sentiment":"neutral","sentiment_score":0.09567862175978147}],"sentiment":"neutral","sentiment_score":0.09469191539618704,"num_words":45,"start":894.93,"end":905.325},{"sentences":[{"text":"So my debt level's well and truly a lot higher.","start":905.545,"end":909.805,"sentiment":"neutral","sentiment_score":0.07630417682230473},{"text":"But no.","start":911.69995,"end":912.01996,"sentiment":"neutral","sentiment_score":0.1250118762254715},{"text":"That's fantastic.","start":912.01996,"end":912.89996,"sentiment":"positive","sentiment_score":0.396979495882988},{"text":"You've done really, really well.","start":912.89996,"end":914.18,"sentiment":"positive","sentiment_score":0.7918603658676148},{"text":"That's awesome.","start":914.18,"end":914.92,"sentiment":"positive","sentiment_score":0.8391988277435303}],"sentiment":"positive","sentiment_score":0.35451066653643337,"num_words":21,"start":905.545,"end":914.92},{"sentences":[{"text":"Are you sort of looking to buy additional property and and, you know, have an investment property down the track, or are you not really worried?","start":914.98,"end":921.48,"sentiment":"neutral","sentiment_score":0.12817644872344458},{"text":"Yep.","start":927.58496,"end":928.08496,"sentiment":"neutral","sentiment_score":0.1504317671060562},{"text":"That's absolutely fine.","start":929.745,"end":931.20496,"sentiment":"positive","sentiment_score":0.35397470990816754},{"text":"Perfect.","start":931.345,"end":931.845,"sentiment":"positive","sentiment_score":0.4021838307380676},{"text":"Not everyone wants investment properties, and that's absolutely okay.","start":931.985,"end":935.02496,"sentiment":"neutral","sentiment_score":-0.058847498873041734}],"sentiment":"neutral","sentiment_score":0.11043749761302024,"num_words":40,"start":914.98,"end":935.02496},{"sentences":[{"text":"I know with the latest changes in legislation, it does make things a little bit harder for people who want to invest in property, especially moving forward.","start":935.02496,"end":944.42,"sentiment":"neutral","sentiment_score":-0.19167756951517528},{"text":"All good.","start":947.36,"end":948.1,"sentiment":"neutral","sentiment_score":0.18608010560274124},{"text":"With the the main primary residence, the value we have was about 740,000.","start":948.4,"end":954.45496,"sentiment":"neutral","sentiment_score":0.07295517365519817},{"text":"What sort of value would you put on that now, do you think?","start":954.675,"end":957.33496,"sentiment":"neutral","sentiment_score":0.03366668436389703},{"text":"Perfect.","start":962.675,"end":963.175,"sentiment":"positive","sentiment_score":0.4669322371482849}],"sentiment":"neutral","sentiment_score":-0.05268067454120943,"num_words":56,"start":935.02496,"end":963.175},{"sentences":[{"text":"Excellent.","start":963.39496,"end":963.89496,"sentiment":"positive","sentiment_score":0.4525699019432068},{"text":"And so the other part of insurance that you do have here is your TBD, so total permanent disability cover.","start":965.795,"end":971.82,"sentiment":"neutral","sentiment_score":0.08129198327660561},{"text":"Do you understand how TBD works, how it is paid, and all the bits and pieces around total permanent disability cover?","start":972.44,"end":979.9,"sentiment":"neutral","sentiment_score":0.022916378719466075},{"text":"Yeah.","start":982.12,"end":982.365,"sentiment":"neutral","sentiment_score":-0.009205980226397514},{"text":"Absolutely.","start":990.52496,"end":991.02496,"sentiment":"neutral","sentiment_score":0.11172362416982652}],"sentiment":"neutral","sentiment_score":0.060503890102898535,"num_words":44,"start":963.39496,"end":991.02496},{"sentences":[{"text":"Definitely.","start":991.725,"end":992.225,"sentiment":"neutral","sentiment_score":0.11031216382980348},{"text":"So with TPD, total permanent capacity or total permanent disability cover, in the event of a successful claim.","start":992.52496,"end":1000.39,"sentiment":"neutral","sentiment_score":0.05026883538812399},{"text":"If you are 60, one of those little known facts is that it is unfortunately taxed.","start":1000.45,"end":1005.67004,"sentiment":"neutral","sentiment_score":-0.045795835671015084},{"text":"If you do take it as a lump sum, essentially, the government taxes up to 22% of that money, which is kind of terrible when you think about your level of cover because you've got the same level of CBD as your life.","start":1006.45,"end":1018.10504,"sentiment":"neutral","sentiment_score":-0.1014962930578825},{"text":"So just over 1,102,000 there.","start":1018.325,"end":1021.385,"sentiment":"neutral","sentiment_score":-0.03029562719166279}],"sentiment":"neutral","sentiment_score":-0.0510048302092466,"num_words":83,"start":991.725,"end":1021.385},{"sentences":[{"text":"There are there's a fun little math equation that they do.","start":1022.085,"end":1025.465,"sentiment":"neutral","sentiment_score":0.015756816518577663},{"text":"They essentially assess your age at time of claim and the age of 65 because that's the the age that all the funds in your system become un preserved, unrestricted without you having to retire.","start":1025.525,"end":1036.4701,"sentiment":"neutral","sentiment_score":-0.006845439731010369},{"text":"And they work out essentially they have a fun little equation to work out what the tax is.","start":1037.3301,"end":1041.645,"sentiment":"neutral","sentiment_score":0.07152738789510396},{"text":"It is up to 22%, so it could definitely be worse.","start":1041.645,"end":1045.025,"sentiment":"negative","sentiment_score":-0.6472820531238209},{"text":"If you ever did have to claim on that money, we would then provide advice on how to structure, what to do with.","start":1045.645,"end":1052.19,"sentiment":"neutral","sentiment_score":-0.14125268679598105}],"sentiment":"neutral","sentiment_score":-0.09334374293304827,"num_words":98,"start":1022.085,"end":1052.19},{"sentences":[{"text":"There are some things that we can do to help kind of reduce or minimize the tax consequences.","start":1052.19,"end":1056.45,"sentiment":"neutral","sentiment_score":0.05963347935014301},{"text":"You can essentially take it as a lump sum for all the money at once, or you can take it as, like, a disability pension where you keep most of it invested and then just draw small amount on a regular basis.","start":1057.71,"end":1069.765,"sentiment":"neutral","sentiment_score":0.14347858106096587},{"text":"So there are definitely with things that can be done, but I did like to make sure that that is a factor that is known because it is very little known.","start":1069.765,"end":1078.165,"sentiment":"neutral","sentiment_score":0.04442198418321148},{"text":"Unfortunately, I have come across clients in the past where they've unfortunately become TBD, and they've tried to take all the money out.","start":1078.165,"end":1085.62,"sentiment":"negative","sentiment_score":-0.37688120227792987},{"text":"And they've realized they've lost a couple of $100,000 due to taxation, and it hasn't quite funded what they thought it was gonna fund.","start":1085.62,"end":1092.1799,"sentiment":"negative","sentiment_score":-0.397868774831295}],"sentiment":"neutral","sentiment_score":-0.07058357757826646,"num_words":138,"start":1052.19,"end":1092.1799},{"sentences":[{"text":"So just like to mhmm.","start":1092.1799,"end":1103.575,"sentiment":"neutral","sentiment_score":-0.08309723497368396},{"text":"Absolutely.","start":1103.575,"end":1104.075,"sentiment":"neutral","sentiment_score":0.10254620015621184},{"text":"Definitely.","start":1104.855,"end":1105.355,"sentiment":"neutral","sentiment_score":0.15384230017662048},{"text":"Yeah.","start":1106.215,"end":1106.535,"sentiment":"neutral","sentiment_score":0.11416022479534148},{"text":"Definitely.","start":1106.535,"end":1107.035,"sentiment":"neutral","sentiment_score":0.1451406478881836}],"sentiment":"neutral","sentiment_score":0.011133688683104182,"num_words":9,"start":1092.1799,"end":1107.035},{"sentences":[{"text":"The other thing you do have there is your income protection policy.","start":1108.3701,"end":1111.67,"sentiment":"neutral","sentiment_score":0.07188341704507668},{"text":"So you do have just a monthly benefit currently of 6,200 in the event that you're unable to go to work in the shorter term there.","start":1111.7301,"end":1118.9501,"sentiment":"neutral","sentiment_score":0.03790778232415995},{"text":"Income wise, we had you on about a 100,000 last year.","start":1119.41,"end":1122.93,"sentiment":"neutral","sentiment_score":0.00036517784676768565},{"text":"Are you on a bit more is that a pay rise then?","start":1122.93,"end":1125.625,"sentiment":"neutral","sentiment_score":-0.0007495997318377098},{"text":"Okay.","start":1130.245,"end":1130.645,"sentiment":"neutral","sentiment_score":0.16596198081970215}],"sentiment":"neutral","sentiment_score":0.032406243311631826,"num_words":62,"start":1108.3701,"end":1130.645},{"sentences":[{"text":"Beautiful.","start":1130.645,"end":1131.145,"sentiment":"neutral","sentiment_score":0.3113241195678711},{"text":"So if we look at that, now you can be covered for up to 70% of your pretax or gross income there.","start":1131.205,"end":1138.13,"sentiment":"neutral","sentiment_score":0.11653372628444975},{"text":"So looking at a 110,000.","start":1138.13,"end":1140.31,"sentiment":"neutral","sentiment_score":0.035349040478467944},{"text":"That essentially means that you would roughly need to be insured for about $6,416 on a monthly basis.","start":1140.77,"end":1148.53,"sentiment":"neutral","sentiment_score":-0.00786329298797581},{"text":"So you are just slightly underinsured there.","start":1148.53,"end":1151.5349,"sentiment":"neutral","sentiment_score":-0.18837479608399527}],"sentiment":"neutral","sentiment_score":0.030031102902765543,"num_words":53,"start":1130.645,"end":1151.5349},{"sentences":[{"text":"Realistically, ma'am, these sorry.","start":1153.2749,"end":1155.355,"sentiment":"neutral","sentiment_score":-0.12238205783069134},{"text":"You're right?","start":1155.355,"end":1156.015,"sentiment":"neutral","sentiment_score":-0.05942528881132603},{"text":"Yes.","start":1161.0349,"end":1161.5349,"sentiment":"neutral","sentiment_score":-0.030966201797127724},{"text":"Okay.","start":1169.14,"end":1169.64,"sentiment":"neutral","sentiment_score":-0.0356634296476841},{"text":"Well, what they're gonna do is they're gonna ask your pay for the time of claim, and they're going to then assess you on your gross pay and your net take home pay and work out what you're eligible to cover to cover the cost of expenses.","start":1171.7,"end":1185.3251,"sentiment":"neutral","sentiment_score":0.0562564408446246}],"sentiment":"neutral","sentiment_score":0.0358008050783114,"num_words":55,"start":1153.2749,"end":1185.3251},{"sentences":[{"text":"So they're probably gonna subtract off anything for company cars and things like that as well just because, you know, insurance companies wanna minimize the amount they have to pay out.","start":1185.465,"end":1195.89,"sentiment":"neutral","sentiment_score":0.05691043642019072},{"text":"That's kind of their deal.","start":1195.89,"end":1197.27,"sentiment":"neutral","sentiment_score":0.06034966260194778},{"text":"Yep.","start":1204.935,"end":1205.435,"sentiment":"neutral","sentiment_score":0.07045595347881317},{"text":"Yep.","start":1212.2476,"end":1212.7476,"sentiment":"neutral","sentiment_score":0.04490017145872116},{"text":"Yep.","start":1219.64,"end":1219.8,"sentiment":"neutral","sentiment_score":0.1550784856081009}],"sentiment":"neutral","sentiment_score":0.059907857758494526,"num_words":39,"start":1185.465,"end":1219.8},{"sentences":[{"text":"That's okay.","start":1219.8,"end":1220.54,"sentiment":"positive","sentiment_score":0.3861745148897171},{"text":"Perfect.","start":1220.6001,"end":1221.1001,"sentiment":"positive","sentiment_score":0.5656123161315918},{"text":"So with with your monthly benefit amount, essentially, there with you being just it's, like, $200 a month off being 70% of your income.","start":1221.2401,"end":1229.26,"sentiment":"neutral","sentiment_score":0.2395715390642484},{"text":"These policies do go through renewal on a regular basis every year as well, and they do increase slightly along with CCI there as well.","start":1230.3601,"end":1237.635,"sentiment":"neutral","sentiment_score":0.18367434442043304},{"text":"Did you wanna look at increasing your income protection benefit after, or did you wanna just let it go through renewal and slowly increase towards what you need it to be?","start":1237.635,"end":1246.055,"sentiment":"neutral","sentiment_score":0.08688570138427519}],"sentiment":"neutral","sentiment_score":0.17316859803465476,"num_words":83,"start":1219.8,"end":1246.055},{"sentences":[{"text":"Yeah.","start":1258.15,"end":1258.65,"sentiment":"neutral","sentiment_score":-0.11749914288520812},{"text":"Yep.","start":1266.8849,"end":1267.2849,"sentiment":"neutral","sentiment_score":0.1111944019794464},{"text":"That's okay.","start":1267.2849,"end":1268.105,"sentiment":"neutral","sentiment_score":0.1570056676864624},{"text":"No worries.","start":1268.8049,"end":1269.445,"sentiment":"neutral","sentiment_score":0.12604260444641113},{"text":"I'm just having a look at what it was last year.","start":1269.445,"end":1271.365,"sentiment":"neutral","sentiment_score":0.06717405129562724}],"sentiment":"neutral","sentiment_score":0.07639449221246383,"num_words":17,"start":1258.15,"end":1271.365},{"sentences":[{"text":"So last year in November, you had the monthly benefit of 5,973.","start":1271.365,"end":1277.7849,"sentiment":"neutral","sentiment_score":0.0879417232548197},{"text":"So, realistically, it made it went through renewal, and it increased by about $227, so on a monthly basis.","start":1278.34,"end":1285.86,"sentiment":"neutral","sentiment_score":0.12814890514863164},{"text":"So if it was the when it goes through renewal, if it kind of if they assess it and increase it along with that mark, then you'll basically be sitting at that 70% mark anyway.","start":1285.86,"end":1295.505,"sentiment":"neutral","sentiment_score":0.10358452690499169},{"text":"One of the benefits of doing it that way is that by not by allowing it to increase as it goes through renewal, there's no additional underwriting there.","start":1296.205,"end":1304.67,"sentiment":"neutral","sentiment_score":0.30293632990547587},{"text":"Whereas if we increase the application and do it manually, they'll go back and underwrite it.","start":1305.15,"end":1310.91,"sentiment":"neutral","sentiment_score":-0.0050279744900763035}],"sentiment":"neutral","sentiment_score":0.1410668905824423,"num_words":110,"start":1271.365,"end":1310.91},{"sentences":[{"text":"So it could be more expensive depending on your health and changes.","start":1310.91,"end":1314.51,"sentiment":"neutral","sentiment_score":-0.09987630074222882},{"text":"There could be additional loading to exclusion.","start":1314.51,"end":1316.6901,"sentiment":"neutral","sentiment_score":-0.059463635619197576},{"text":"So doing it the other way, honestly, could work out quite fine.","start":1316.75,"end":1320.435,"sentiment":"neutral","sentiment_score":0.12078034008542697},{"text":"And when it comes up to renewal time, I'll go back and double check it anyway just to see.","start":1320.435,"end":1325.175,"sentiment":"neutral","sentiment_score":0.10505548550894386},{"text":"It looks like it is not long has renewed.","start":1325.3151,"end":1329.715,"sentiment":"neutral","sentiment_score":0.14875665307044983}],"sentiment":"neutral","sentiment_score":0.053719781781152144,"num_words":59,"start":1310.91,"end":1329.715},{"sentences":[{"text":"So July, it should renew again.","start":1329.715,"end":1331.395,"sentiment":"neutral","sentiment_score":0.1906078408161799},{"text":"And if you feel like you need to kind of bump it up in the meantime, you're welcome to let me know there.","start":1331.395,"end":1337.04,"sentiment":"neutral","sentiment_score":0.16526400233092514},{"text":"Okay.","start":1337.1,"end":1337.6,"sentiment":"neutral","sentiment_score":0.07736927270889282},{"text":"Fantastic.","start":1339.9,"end":1340.4,"sentiment":"positive","sentiment_score":0.6351281404495239},{"text":"Now you don't have any additional kind of insurances like trauma.","start":1342.0599,"end":1345.82,"sentiment":"neutral","sentiment_score":0.13017587228254837}],"sentiment":"neutral","sentiment_score":0.16878931206606684,"num_words":42,"start":1329.715,"end":1345.82},{"sentences":[{"text":"Has anyone kind of brought those up with you?","start":1345.82,"end":1347.98,"sentiment":"neutral","sentiment_score":0.035688074512614146},{"text":"Did you wanna look at anything additional personal personal insurance wise?","start":1347.98,"end":1350.875,"sentiment":"neutral","sentiment_score":0.006292946128682656},{"text":"Are you just happy with what you've got?","start":1350.875,"end":1352.855,"sentiment":"neutral","sentiment_score":0.06620010640472174},{"text":"Yep.","start":1355.475,"end":1355.975,"sentiment":"neutral","sentiment_score":0.05040331929922104},{"text":"Absolutely fine.","start":1356.115,"end":1357.1549,"sentiment":"neutral","sentiment_score":0.20534441620111465}],"sentiment":"neutral","sentiment_score":0.044551873579621315,"num_words":31,"start":1345.82,"end":1357.1549},{"sentences":[{"text":"And I'll just increase your income on here.","start":1357.1549,"end":1359.1549,"sentiment":"neutral","sentiment_score":0.17223010584712029},{"text":"So we're sitting at about 110,000 there.","start":1359.1549,"end":1361.635,"sentiment":"neutral","sentiment_score":0.14830061048269272},{"text":"Fantastic.","start":1361.635,"end":1362.135,"sentiment":"positive","sentiment_score":0.4888865351676941},{"text":"Are you finding that you're able to put much the way of savings away on a regular basis, or is everything kinda going into the offset account, the home loan, and reducing that?","start":1363.19,"end":1372.17,"sentiment":"neutral","sentiment_score":0.0937040030222499},{"text":"Mhmm.","start":1375.67,"end":1376.085,"sentiment":"neutral","sentiment_score":-0.08660520613193512}],"sentiment":"neutral","sentiment_score":0.11820917097851634,"num_words":50,"start":1357.1549,"end":1376.085},{"sentences":[{"text":"Yep.","start":1383.845,"end":1384.345,"sentiment":"neutral","sentiment_score":-0.10113581269979476},{"text":"Yep.","start":1385.125,"end":1385.625,"sentiment":"neutral","sentiment_score":-0.06234622746706009},{"text":"Yep.","start":1393.2599,"end":1393.7599,"sentiment":"neutral","sentiment_score":-0.06307288259267807},{"text":"Yep.","start":1394.0599,"end":1394.5599,"sentiment":"neutral","sentiment_score":-0.06631755828857422},{"text":"Yep.","start":1395.1799,"end":1395.6799,"sentiment":"neutral","sentiment_score":-0.04994834214448929}],"sentiment":"neutral","sentiment_score":-0.06856416463851929,"num_words":5,"start":1383.845,"end":1395.6799},{"sentences":[{"text":"Yeah.","start":1404.62,"end":1405.12,"sentiment":"neutral","sentiment_score":-0.059129051864147186},{"text":"Yep.","start":1405.4199,"end":1405.815,"sentiment":"neutral","sentiment_score":-0.04718534275889397},{"text":"Yep.","start":1414.375,"end":1414.875,"sentiment":"neutral","sentiment_score":-0.027767499908804893},{"text":"No.","start":1415.2549,"end":1415.495,"sentiment":"neutral","sentiment_score":-0.06465178728103638},{"text":"That's the same.","start":1415.495,"end":1416.475,"sentiment":"neutral","sentiment_score":0.06200529759128889}],"sentiment":"neutral","sentiment_score":-0.0018168270055736815,"num_words":7,"start":1404.62,"end":1416.475},{"sentences":[{"text":"Okay.","start":1420.455,"end":1420.9349,"sentiment":"neutral","sentiment_score":0.23290172219276428},{"text":"Beautiful.","start":1420.9349,"end":1421.4349,"sentiment":"positive","sentiment_score":0.5709394216537476},{"text":"If you had to quantify that savings, how much do you think you're sort of putting away on a regular basis?","start":1422.3501,"end":1427.0901,"sentiment":"neutral","sentiment_score":0.10196042965565409},{"text":"Okay.","start":1435.9501,"end":1436.4501,"sentiment":"neutral","sentiment_score":0.22895711660385132},{"text":"Beautiful.","start":1436.51,"end":1437.01,"sentiment":"positive","sentiment_score":0.6353033781051636}],"sentiment":"neutral","sentiment_score":0.1523708264529705,"num_words":25,"start":1420.455,"end":1437.01},{"sentences":[{"text":"Excellent.","start":1438.615,"end":1439.115,"sentiment":"positive","sentiment_score":0.638337254524231},{"text":"And so looking at because you're on one income at the moment, and congratulations on the new baby.","start":1439.255,"end":1443.975,"sentiment":"positive","sentiment_score":0.3848673262529903},{"text":"That's very exciting.","start":1443.975,"end":1445.115,"sentiment":"neutral","sentiment_score":0.09341853857040405},{"text":"Yes.","start":1448.855,"end":1449.355,"sentiment":"neutral","sentiment_score":-0.0054590702056884766},{"text":"I understand that.","start":1449.655,"end":1451.035,"sentiment":"neutral","sentiment_score":-0.0356734444697698}],"sentiment":"neutral","sentiment_score":0.2974509745836258,"num_words":26,"start":1438.615,"end":1451.035},{"sentences":[{"text":"With with that sort of your focus on paying down the mortgage, we'd look at maybe if you wanted to additional contributions and things like that down the track.","start":1451.975,"end":1459.53,"sentiment":"neutral","sentiment_score":-0.03394542602372581},{"text":"Does that sound about right?","start":1459.53,"end":1460.91,"sentiment":"neutral","sentiment_score":-0.006852227821946144},{"text":"Yep.","start":1479.045,"end":1479.545,"sentiment":"neutral","sentiment_score":-0.03772224113345146},{"text":"Wow.","start":1485.5399,"end":1486.0399,"sentiment":"neutral","sentiment_score":-0.01898856833577156},{"text":"She's got some real plans.","start":1486.34,"end":1487.88,"sentiment":"neutral","sentiment_score":-0.030563218146562578}],"sentiment":"neutral","sentiment_score":-0.029956229121946707,"num_words":41,"start":1451.975,"end":1487.88},{"sentences":[{"text":"Yep.","start":1502.515,"end":1503.015,"sentiment":"neutral","sentiment_score":-0.0009692994644865394},{"text":"She's got some good plans.","start":1519.265,"end":1520.725,"sentiment":"positive","sentiment_score":0.3739946365356445},{"text":"Oh, oh, good.","start":1530.72,"end":1531.4401,"sentiment":"neutral","sentiment_score":0.15805982053279877},{"text":"All good.","start":1531.4401,"end":1532.0,"sentiment":"neutral","sentiment_score":0.25555598735809326},{"text":"Well, we can always look at additional contributions and things down the track.","start":1532.0,"end":1535.28,"sentiment":"neutral","sentiment_score":0.05935876386669966}],"sentiment":"neutral","sentiment_score":0.15108163540814226,"num_words":24,"start":1502.515,"end":1535.28},{"sentences":[{"text":"We'll let you sort of sort the the house out first, and then you can let me know whether this you're comfortable with that.","start":1535.28,"end":1542.24,"sentiment":"neutral","sentiment_score":0.047712603428711496},{"text":"That's not a problem at all, and good luck with the renovations.","start":1542.24,"end":1545.06,"sentiment":"neutral","sentiment_score":0.09445534832775593},{"text":"That's a tough job.","start":1545.36,"end":1546.535,"sentiment":"negative","sentiment_score":-0.4488155245780945},{"text":"Been doing that for the last ten years.","start":1546.535,"end":1548.475,"sentiment":"neutral","sentiment_score":-0.1944949682801962},{"text":"No.","start":1552.9349,"end":1553.255,"sentiment":"neutral","sentiment_score":-0.1805058717727661}],"sentiment":"neutral","sentiment_score":-0.025574715389889115,"num_words":49,"start":1535.28,"end":1553.255},{"sentences":[{"text":"No.","start":1553.255,"end":1553.575,"sentiment":"neutral","sentiment_score":-0.1602064073085785},{"text":"Understandable.","start":1553.575,"end":1554.075,"sentiment":"neutral","sentiment_score":-0.13754938542842865},{"text":"Other assets on here I had down is your Land Cruiser.","start":1555.895,"end":1558.795,"sentiment":"neutral","sentiment_score":-0.048072699796069755},{"text":"We have a valuation that last year around about 45,000.","start":1558.9349,"end":1562.42,"sentiment":"neutral","sentiment_score":-0.02389046996831894},{"text":"Would you drop that slightly or keep it around about the same?","start":1562.42,"end":1565.72,"sentiment":"neutral","sentiment_score":-0.04393943461279074}],"sentiment":"neutral","sentiment_score":-0.04550666872944151,"num_words":35,"start":1553.255,"end":1565.72},{"sentences":[{"text":"Yes.","start":1570.5,"end":1571.0,"sentiment":"neutral","sentiment_score":0.091789111495018},{"text":"Beautiful.","start":1571.14,"end":1571.64,"sentiment":"positive","sentiment_score":0.6335033178329468},{"text":"Excellent.","start":1572.74,"end":1573.24,"sentiment":"positive","sentiment_score":0.6207374334335327},{"text":"And a camper trailer, do you still have that one there as well?","start":1573.38,"end":1576.485,"sentiment":"neutral","sentiment_score":0.11023780474295983},{"text":"Beautiful.","start":1578.645,"end":1579.145,"sentiment":"positive","sentiment_score":0.5593405365943909}],"sentiment":"neutral","sentiment_score":0.1963801094714333,"num_words":17,"start":1570.5,"end":1579.145},{"sentences":[{"text":"Hopefully, you get out of it in the in the future.","start":1579.365,"end":1581.785,"sentiment":"neutral","sentiment_score":0.249259428544478},{"text":"It'd be nice.","start":1581.9249,"end":1582.745,"sentiment":"neutral","sentiment_score":0.0523189182082812},{"text":"Camping?","start":1582.8049,"end":1583.3049,"sentiment":"neutral","sentiment_score":-0.0015603061765432358},{"text":"Oh, fantastic.","start":1585.6849,"end":1586.585,"sentiment":"positive","sentiment_score":0.39881786704063416},{"text":"Fantastic.","start":1586.885,"end":1587.385,"sentiment":"positive","sentiment_score":0.5459260940551758}],"sentiment":"neutral","sentiment_score":0.23560066614300013,"num_words":18,"start":1579.365,"end":1587.385},{"sentences":[{"text":"That'll be fantastic.","start":1587.6849,"end":1588.745,"sentiment":"positive","sentiment_score":0.6060870687166849},{"text":"Enjoy that.","start":1588.965,"end":1589.6849,"sentiment":"positive","sentiment_score":0.39407122135162354},{"text":"Whereabouts are you heading to?","start":1589.6849,"end":1591.225,"sentiment":"neutral","sentiment_score":0.06488086432218551},{"text":"Oh, beautiful.","start":1600.35,"end":1601.1699,"sentiment":"neutral","sentiment_score":0.22827333211898804},{"text":"Yep.","start":1604.99,"end":1605.345,"sentiment":"neutral","sentiment_score":0.03984559699892998}],"sentiment":"neutral","sentiment_score":0.2636307870539335,"num_words":13,"start":1587.6849,"end":1605.345},{"sentences":[{"text":"Yep.","start":1614.7849,"end":1615.025,"sentiment":"neutral","sentiment_score":0.04540839418768883},{"text":"Absolutely.","start":1615.025,"end":1615.525,"sentiment":"neutral","sentiment_score":0.09717463701963425},{"text":"That'll be oh, that'll be fantastic.","start":1617.105,"end":1620.62,"sentiment":"positive","sentiment_score":0.36907491957147914},{"text":"I hope you have an amazing time.","start":1620.84,"end":1622.94,"sentiment":"positive","sentiment_score":0.5144780448504856},{"text":"Well worth those memories.","start":1623.24,"end":1624.5399,"sentiment":"neutral","sentiment_score":0.19165875017642975}],"sentiment":"positive","sentiment_score":0.35394809806817457,"num_words":19,"start":1614.7849,"end":1624.5399},{"sentences":[{"text":"Value on the camera I have was about 15,000.","start":1625.48,"end":1628.2799,"sentiment":"neutral","sentiment_score":0.0014381129294633865},{"text":"Would you alter or change that value while keeping fairly much the same?","start":1628.2799,"end":1631.8999,"sentiment":"neutral","sentiment_score":-0.005159805313898967},{"text":"Yep.","start":1633.875,"end":1634.1951,"sentiment":"neutral","sentiment_score":0.08093761652708054},{"text":"Beautiful.","start":1634.1951,"end":1634.6951,"sentiment":"neutral","sentiment_score":0.1969418227672577},{"text":"And any other assets or liabilities I should sort of note down here?","start":1635.235,"end":1638.855,"sentiment":"neutral","sentiment_score":0.04568700033884782}],"sentiment":"neutral","sentiment_score":0.022099351107671455,"num_words":37,"start":1625.48,"end":1638.855},{"sentences":[{"text":"Yep.","start":1646.355,"end":1646.755,"sentiment":"neutral","sentiment_score":0.04149406775832176},{"text":"That's okay.","start":1646.755,"end":1647.555,"sentiment":"neutral","sentiment_score":0.10744200274348259},{"text":"All good.","start":1647.555,"end":1648.375,"sentiment":"neutral","sentiment_score":0.19153307378292084},{"text":"Just checking your state planning as well.","start":1649.06,"end":1651.06,"sentiment":"neutral","sentiment_score":0.08986912348440715},{"text":"So I've got your beneficiary nominations noted down here.","start":1651.06,"end":1654.18,"sentiment":"neutral","sentiment_score":0.09910989883873197}],"sentiment":"neutral","sentiment_score":0.10288177022621744,"num_words":21,"start":1646.355,"end":1654.18},{"sentences":[{"text":"So in the event of passing, a 100% of your super and life proceeds are to be paid out to Priscilla.","start":1654.18,"end":1659.72,"sentiment":"neutral","sentiment_score":0.08870068777884756},{"text":"Is that still correct?","start":1659.86,"end":1660.98,"sentiment":"neutral","sentiment_score":0.06974082812666893},{"text":"Happy with the way that's structured?","start":1660.98,"end":1662.44,"sentiment":"neutral","sentiment_score":0.1360376514494419},{"text":"Yep.","start":1664.335,"end":1664.6549,"sentiment":"neutral","sentiment_score":0.05836111307144165},{"text":"Beautiful.","start":1664.6549,"end":1665.1549,"sentiment":"neutral","sentiment_score":0.16959494352340698}],"sentiment":"neutral","sentiment_score":0.09654120367133256,"num_words":33,"start":1654.18,"end":1665.1549},{"sentences":[{"text":"And have I've got down here that you don't have a will or power of attorney in place.","start":1665.695,"end":1669.455,"sentiment":"neutral","sentiment_score":-0.028541605091757245},{"text":"Is that something that you just discussed about setting up?","start":1669.455,"end":1672.275,"sentiment":"neutral","sentiment_score":-0.08500396125018597},{"text":"Yeah.","start":1674.975,"end":1675.2949,"sentiment":"neutral","sentiment_score":-0.03015207313001156},{"text":"That's okay.","start":1675.2949,"end":1676.0349,"sentiment":"positive","sentiment_score":0.48757024109363556},{"text":"It is.","start":1676.735,"end":1677.215,"sentiment":"positive","sentiment_score":0.48710915446281433}],"sentiment":"neutral","sentiment_score":0.016830854964527218,"num_words":33,"start":1665.695,"end":1677.215},{"sentences":[{"text":"It is.","start":1677.215,"end":1677.9,"sentiment":"positive","sentiment_score":0.3707364499568939},{"text":"Seeing as losing having that done, especially having kids is really important.","start":1677.98,"end":1681.5,"sentiment":"neutral","sentiment_score":0.3085935413837433},{"text":"They can also incorporate guardianships and things like that.","start":1681.5,"end":1685.04,"sentiment":"neutral","sentiment_score":0.22742820779482523},{"text":"So you're sort of protecting all your assets, noting who you want to act on your behalf if you're not able to with your power of attorney, and then structuring guardianship to know that if something happens to the two of you, that someone has direction on who you want to look after your kids, what you want them to do, and how you want everything to be structured for them.","start":1685.1,"end":1702.755,"sentiment":"neutral","sentiment_score":0.2677616212569492},{"text":"So it can be a bit of a cost to do that, but it is well worth doing.","start":1702.755,"end":1707.4149,"sentiment":"neutral","sentiment_score":0.2023160457611084}],"sentiment":"neutral","sentiment_score":0.2602161892822811,"num_words":112,"start":1677.215,"end":1707.4149},{"sentences":[{"text":"Unfortunately, statistics show that in Australia, about seventy percent of people do pass away intestate with no will and, you know, no direction on what happened.","start":1708.1901,"end":1717.81,"sentiment":"neutral","sentiment_score":-0.2926922423335222},{"text":"So it does mean that when that occurs that the court system is pretty well overwhelmed with probate cases that can take a long time to have those settled.","start":1717.87,"end":1728.1749,"sentiment":"neutral","sentiment_score":-0.32809043649969427},{"text":"It also means that people can come out from your past and state a claim, which can make the process even harder as it has to be sort of looked at by a judge.","start":1728.1749,"end":1735.615,"sentiment":"neutral","sentiment_score":-0.33123153316624027},{"text":"So not preferable.","start":1735.615,"end":1737.5299,"sentiment":"neutral","sentiment_score":-0.14393247663974762},{"text":"But, yeah, we'll we'll just keep, you know, touch base on that one.","start":1738.1499,"end":1741.2899,"sentiment":"neutral","sentiment_score":0.07082828220266563}],"sentiment":"neutral","sentiment_score":-0.2656906937914235,"num_words":105,"start":1708.1901,"end":1741.2899},{"sentences":[{"text":"And, yeah, if you get time to go and see a local solicitor and do offer will, you can also so you guys are in Queensland.","start":1741.6699,"end":1748.8899,"sentiment":"neutral","sentiment_score":0.09881609936173145},{"text":"You can also buy the, like, Queensland trust fees if you Google them.","start":1749.0299,"end":1752.725,"sentiment":"neutral","sentiment_score":0.12705214894734895},{"text":"They can also do wills and power of attorneys via online and over the phone and things like that as well for you.","start":1753.425,"end":1759.525,"sentiment":"neutral","sentiment_score":0.20092328119537103},{"text":"It can also be cheaper to do it that way if it's more convenient.","start":1760.0651,"end":1763.4451,"sentiment":"neutral","sentiment_score":0.3038591125181743},{"text":"So if you just sort of look up the Queensland trustee, that can also be another way of doing up a simple wheel kit and putting things in place without having to, you know, go and see a solicitor and sit in their office for a few hours.","start":1763.745,"end":1776.22,"sentiment":"neutral","sentiment_score":0.21168382046744227}],"sentiment":"neutral","sentiment_score":0.18755631407182063,"num_words":124,"start":1741.6699,"end":1776.22},{"sentences":[{"text":"Yeah.","start":1777.4,"end":1777.635,"sentiment":"neutral","sentiment_score":0.0982666313648224},{"text":"Yeah.","start":1778.115,"end":1778.615,"sentiment":"neutral","sentiment_score":0.12102413177490234},{"text":"Oh, good.","start":1778.995,"end":1779.8151,"sentiment":"positive","sentiment_score":0.3729614019393921},{"text":"Beautiful.","start":1779.875,"end":1780.375,"sentiment":"positive","sentiment_score":0.6852012872695923},{"text":"The only other thing to sort of check on here is additional goals that we've got down here.","start":1782.035,"end":1786.675,"sentiment":"neutral","sentiment_score":0.16271071984536117}],"sentiment":"neutral","sentiment_score":0.19909599180454793,"num_words":23,"start":1777.4,"end":1786.675},{"sentences":[{"text":"There's a renovations and the paying and more down as quickly as possible.","start":1786.675,"end":1790.775,"sentiment":"neutral","sentiment_score":0.021949556584541615},{"text":"I had down here a time that you're sort of hoping to retire at eight sixty or thereabouts.","start":1791.66,"end":1796.3201,"sentiment":"neutral","sentiment_score":0.03526912670996454},{"text":"Is that still sort of your goal?","start":1796.54,"end":1797.9801,"sentiment":"neutral","sentiment_score":0.0523380557341235},{"text":"Is that what we're hoping to track towards?","start":1797.9801,"end":1800.0,"sentiment":"neutral","sentiment_score":0.04920156463049352},{"text":"Yep.","start":1805.3401,"end":1805.685,"sentiment":"neutral","sentiment_score":0.005319233052432537}],"sentiment":"neutral","sentiment_score":0.0358614182258223,"num_words":47,"start":1786.675,"end":1805.685},{"sentences":[{"text":"Yep.","start":1808.885,"end":1809.385,"sentiment":"neutral","sentiment_score":0.024557603523135185},{"text":"Absolutely.","start":1810.7251,"end":1811.2251,"sentiment":"neutral","sentiment_score":0.24223937094211576},{"text":"Beautiful.","start":1817.685,"end":1818.185,"sentiment":"positive","sentiment_score":0.4616464674472809},{"text":"Yes.","start":1823.18,"end":1823.68,"sentiment":"neutral","sentiment_score":0.13214536011219025},{"text":"Absolutely.","start":1825.58,"end":1826.08,"sentiment":"neutral","sentiment_score":0.06434059143066406}],"sentiment":"neutral","sentiment_score":0.18498587869107724,"num_words":5,"start":1808.885,"end":1826.08},{"sentences":[{"text":"Yep.","start":1828.06,"end":1828.56,"sentiment":"neutral","sentiment_score":0.12787020206451416},{"text":"Yep.","start":1830.06,"end":1830.54,"sentiment":"neutral","sentiment_score":0.2690240740776062},{"text":"Beautiful.","start":1830.54,"end":1831.04,"sentiment":"positive","sentiment_score":0.6512937545776367},{"text":"I like it.","start":1831.66,"end":1832.385,"sentiment":"positive","sentiment_score":0.6946929295857748},{"text":"Excellent.","start":1833.825,"end":1834.325,"sentiment":"positive","sentiment_score":0.676522970199585}],"sentiment":"positive","sentiment_score":0.5441128270966666,"num_words":7,"start":1828.06,"end":1834.325},{"sentences":[{"text":"I've also got down here that in, hopefully, retirement or before retirement, you'd love to do a global trip and maybe go to The US and Europe.","start":1835.105,"end":1843.265,"sentiment":"neutral","sentiment_score":0.31879032210067465},{"text":"Is that still on the card for a goal?","start":1843.265,"end":1845.765,"sentiment":"neutral","sentiment_score":0.19744333459271324},{"text":"That'd be nice.","start":1852.5801,"end":1853.56,"sentiment":"positive","sentiment_score":0.5903727213541666},{"text":"Yep.","start":1857.7001,"end":1858.2001,"sentiment":"neutral","sentiment_score":0.20374521613121033},{"text":"No.","start":1858.26,"end":1858.42,"sentiment":"neutral","sentiment_score":0.12965309619903564}],"sentiment":"neutral","sentiment_score":0.30460598010842393,"num_words":41,"start":1835.105,"end":1858.42},{"sentences":[{"text":"That's all good.","start":1858.42,"end":1859.495,"sentiment":"neutral","sentiment_score":0.18777340650558472},{"text":"I can leave that on there as a bit of a future goal there for you.","start":1859.495,"end":1862.955,"sentiment":"neutral","sentiment_score":0.17621390195563436},{"text":"If not, I mean, look, when you retire and you do wanna take that trip, you might be able to then.","start":1863.4149,"end":1868.2949,"sentiment":"neutral","sentiment_score":0.07661385160116922},{"text":"That sounds like it would be a good trip to take with no kids.","start":1868.2949,"end":1871.5149,"sentiment":"neutral","sentiment_score":0.13615987769195012},{"text":"Mhmm.","start":1876.35,"end":1876.85,"sentiment":"neutral","sentiment_score":-0.006403804291039705}],"sentiment":"neutral","sentiment_score":0.12529941850595855,"num_words":55,"start":1858.42,"end":1876.85},{"sentences":[{"text":"Yes.","start":1880.19,"end":1880.69,"sentiment":"neutral","sentiment_score":-0.04175284132361412},{"text":"Absolutely.","start":1882.67,"end":1883.17,"sentiment":"neutral","sentiment_score":0.10715792328119278},{"text":"Definitely.","start":1883.63,"end":1884.13,"sentiment":"neutral","sentiment_score":0.12745672464370728},{"text":"Is there any other goals that you're sort of looking to achieve down the track that we might need to note down there for you as well?","start":1885.4751,"end":1891.895,"sentiment":"neutral","sentiment_score":0.10968064847919676},{"text":"Mhmm.","start":1898.275,"end":1898.76,"sentiment":"neutral","sentiment_score":-0.04352774471044541}],"sentiment":"neutral","sentiment_score":0.10034553454287591,"num_words":31,"start":1880.19,"end":1898.76},{"sentences":[{"text":"Yes.","start":1910.52,"end":1910.775,"sentiment":"neutral","sentiment_score":0.1676749885082245},{"text":"Oh, no.","start":1916.935,"end":1917.675,"sentiment":"neutral","sentiment_score":-0.04526457563042641},{"text":"Yep.","start":1919.8151,"end":1920.3151,"sentiment":"neutral","sentiment_score":-0.018838750198483467},{"text":"Yeah.","start":1926.87,"end":1927.37,"sentiment":"neutral","sentiment_score":-0.03851097822189331},{"text":"No.","start":1928.55,"end":1928.87,"sentiment":"neutral","sentiment_score":-0.04567005857825279}],"sentiment":"neutral","sentiment_score":-0.004312324958542983,"num_words":6,"start":1910.52,"end":1928.87},{"sentences":[{"text":"Definitely.","start":1928.87,"end":1929.37,"sentiment":"neutral","sentiment_score":0.1303725689649582},{"text":"If you were to sort of buy this like, a business and sort of build that over the time, would that be something you would maybe wanna sell off when you get to retirement, or do you think you'd like to have that work in the background and have employees doing the job for you so you're still earning some income from that business as well as maybe supplementing some super as well.","start":1930.0701,"end":1953.4401,"sentiment":"neutral","sentiment_score":0.10561824278676346},{"text":"Mhmm.","start":1953.4401,"end":1953.9401,"sentiment":"neutral","sentiment_score":0.04435539245605469},{"text":"Yep.","start":1959.28,"end":1959.78,"sentiment":"neutral","sentiment_score":0.012508593499660492},{"text":"Yeah.","start":1965.245,"end":1965.5651,"sentiment":"neutral","sentiment_score":0.07902157306671143}],"sentiment":"neutral","sentiment_score":0.10358947858988464,"num_words":77,"start":1928.87,"end":1965.5651},{"sentences":[{"text":"Yeah.","start":1965.5651,"end":1966.045,"sentiment":"neutral","sentiment_score":0.1103006899356842},{"text":"Definitely.","start":1966.045,"end":1966.545,"sentiment":"neutral","sentiment_score":0.19853270053863523},{"text":"And so looking further, if it's working really well, you could yeah.","start":1966.8451,"end":1970.365,"sentiment":"neutral","sentiment_score":0.10902633878868073},{"text":"Yeah.","start":1970.365,"end":1970.6051,"sentiment":"neutral","sentiment_score":0.25010669231414795},{"text":"Definitely.","start":1970.6051,"end":1971.1051,"sentiment":"positive","sentiment_score":0.3734785318374634}],"sentiment":"neutral","sentiment_score":0.14004591750563122,"num_words":16,"start":1965.5651,"end":1971.1051},{"sentences":[{"text":"And, like, if it's working really well, you could keep it working longer.","start":1971.165,"end":1973.805,"sentiment":"positive","sentiment_score":0.37194950305498564},{"text":"Maybe one of the kids wanna jump into it or you keep it as an estate planning thing and sort of hand it down to them later on.","start":1973.805,"end":1979.8251,"sentiment":"neutral","sentiment_score":0.23754969558545522},{"text":"There's always those sorts of options as well down the track.","start":1980.28,"end":1982.84,"sentiment":"neutral","sentiment_score":0.10563327981667085},{"text":"So yeah.","start":1982.84,"end":1983.58,"sentiment":"neutral","sentiment_score":0.29607798904180527},{"text":"Perfect.","start":1984.12,"end":1984.52,"sentiment":"positive","sentiment_score":0.7195268273353577}],"sentiment":"neutral","sentiment_score":0.253825161809271,"num_words":55,"start":1971.165,"end":1984.52},{"sentences":[{"text":"Excellent.","start":1984.52,"end":1985.02,"sentiment":"positive","sentiment_score":0.6665630340576172},{"text":"And with your risk profile, so at the moment, you are in that kind of growth environment there when we think about this sort of risk well, the risk you are taking.","start":1986.04,"end":1995.555,"sentiment":"neutral","sentiment_score":0.07713198103010654},{"text":"And we consider it out of a number between one and five, so five being all invested in equity markets, whereas one being all sitting in cash, your growth kind of profile is sitting at about a three there.","start":1995.7151,"end":2007.175,"sentiment":"neutral","sentiment_score":0.06219147843046066},{"text":"It generally sees about 80% of the super invested in growth assets, so we're looking at Australian international shares with this property and commodities like gold and silver, and then the other sort of 20% in low risk defensive investments like cash, bonds, and fixed interest there.","start":2008.1951,"end":2025.735,"sentiment":"neutral","sentiment_score":0.1457417057232654},{"text":"This sort of when we look at a risk profile return should be able to receive about seven to 9% on a yearly basis compounding that forward towards retirement.","start":2026.195,"end":2034.695,"sentiment":"neutral","sentiment_score":0.08247758640811362}],"sentiment":"neutral","sentiment_score":0.10001327203133621,"num_words":148,"start":1984.52,"end":2034.695},{"sentences":[{"text":"And because we understand that markets do have volatility and there is risk involved, the expected volatility of this kind of environment means that when the markets are really well, we can sort of see up to 11% higher than that 9% or on a bad year where the markets are down, anywhere to 11% below that 7% there as a bit of a dip.","start":2035.24,"end":2058.705,"sentiment":"neutral","sentiment_score":-0.12685938231073893},{"text":"The likelihood of a negative return occurring is around about one in every sort five years.","start":2060.0452,"end":2065.4,"sentiment":"neutral","sentiment_score":-0.32778578717261553},{"text":"And we this sort of portfolio suits someone who has at least six years there.","start":2066.02,"end":2070.3398,"sentiment":"neutral","sentiment_score":-0.11998460839192072},{"text":"You've got more than double this ahead of you before accessing those funds there.","start":2070.3398,"end":2074.3599,"sentiment":"neutral","sentiment_score":-0.15230035781860352},{"text":"Do you feel like that's fairly comfortable?","start":2074.74,"end":2076.5798,"sentiment":"neutral","sentiment_score":0.3183633131640298}],"sentiment":"neutral","sentiment_score":-0.12986208024060625,"num_words":117,"start":2035.24,"end":2076.5798},{"sentences":[{"text":"Did you wanna look at maybe reviewing your risk profile, or are you happy just to stay in that kind of environment longer, and I can assess based on the growth portfolio?","start":2076.5798,"end":2085.535,"sentiment":"neutral","sentiment_score":0.23072845535352826},{"text":"How do you sort of feel about that?","start":2085.595,"end":2087.295,"sentiment":"neutral","sentiment_score":0.12254700250923634},{"text":"Mhmm.","start":2100.12,"end":2100.62,"sentiment":"neutral","sentiment_score":0.022523511201143265},{"text":"Yep.","start":2110.815,"end":2111.315,"sentiment":"neutral","sentiment_score":0.03653810918331146},{"text":"Yeah.","start":2112.9749,"end":2113.4749,"sentiment":"neutral","sentiment_score":0.02433490939438343}],"sentiment":"neutral","sentiment_score":0.19644379351547983,"num_words":43,"start":2076.5798,"end":2113.4749},{"sentences":[{"text":"Mhmm.","start":2117.2148,"end":2117.7148,"sentiment":"neutral","sentiment_score":0.012581964023411274},{"text":"Yeah.","start":2118.4949,"end":2118.9949,"sentiment":"neutral","sentiment_score":0.09765545278787612},{"text":"Absolutely.","start":2119.695,"end":2120.195,"sentiment":"neutral","sentiment_score":0.2019115686416626},{"text":"I do.","start":2120.4949,"end":2121.075,"sentiment":"neutral","sentiment_score":0.19116120040416718},{"text":"I do a lot of that in the back end sort of when I'm reviewing the advice side of things.","start":2121.375,"end":2125.8599,"sentiment":"neutral","sentiment_score":0.11609054915606976}],"sentiment":"neutral","sentiment_score":0.12065129477530717,"num_words":25,"start":2117.2148,"end":2125.8599},{"sentences":[{"text":"So when I update the advice as part of the recommendations, I will only project out to yourself by five to ten years.","start":2126.8,"end":2133.92,"sentiment":"neutral","sentiment_score":0.15418401230936465},{"text":"But in the back end, I do go back and sort of have that twenty one year projected outcome to see what we're tracking for, how this looks.","start":2133.92,"end":2141.7148,"sentiment":"neutral","sentiment_score":0.18966625364763395},{"text":"And in the back end, I use more of a conservative rate of return to say, well, this is what the portfolio has been achieving, and this is what's projected for you over the next five to ten years.","start":2142.015,"end":2150.835,"sentiment":"neutral","sentiment_score":0.2883461299232947},{"text":"But as a worst case scenario, based on the risk profiling, this is where we could end up as a projected outcome.","start":2151.455,"end":2157.8,"sentiment":"neutral","sentiment_score":-0.1688004048033194},{"text":"So I do do all that kind of reset as part of things, but in the advice, I don't project more than five to ten years because your life could change very heavily in that time frame.","start":2157.8,"end":2167.4202,"sentiment":"neutral","sentiment_score":-0.1805325055847297}],"sentiment":"neutral","sentiment_score":0.06516157610704434,"num_words":149,"start":2126.8,"end":2167.4202},{"sentences":[{"text":"And, I mean, projecting twenty one years, the future could give you a $5,000,000 return depending on the returns that the portfolios receive, and and they'll wanna kind of be too project out that far to give you that kind of return because it's not realistic.","start":2168.385,"end":2185.42,"sentiment":"neutral","sentiment_score":-0.0686505502494781},{"text":"Markets go up and down and yeah.","start":2186.04,"end":2189.32,"sentiment":"neutral","sentiment_score":-0.23282361137015478},{"text":"Sorry.","start":2189.32,"end":2189.82,"sentiment":"neutral","sentiment_score":-0.13835126161575317},{"text":"Yeah.","start":2192.2,"end":2192.7,"sentiment":"neutral","sentiment_score":0.0007380805909633636},{"text":"Yep.","start":2219.39,"end":2219.89,"sentiment":"neutral","sentiment_score":-0.2093776911497116}],"sentiment":"neutral","sentiment_score":-0.09169074041502816,"num_words":56,"start":2168.385,"end":2219.89},{"sentences":[{"text":"Mhmm.","start":2226.905,"end":2227.405,"sentiment":"neutral","sentiment_score":-0.1099395602941513},{"text":"Yep.","start":2232.025,"end":2232.525,"sentiment":"neutral","sentiment_score":0.022813763469457623},{"text":"Yep.","start":2233.385,"end":2233.885,"sentiment":"neutral","sentiment_score":0.0054312474094331264},{"text":"Yeah.","start":2237.7,"end":2238.2,"sentiment":"neutral","sentiment_score":-0.32411766052246094},{"text":"Yes.","start":2245.2373,"end":2245.7373,"sentiment":"negative","sentiment_score":-0.3650842308998108}],"sentiment":"neutral","sentiment_score":-0.15417928816750645,"num_words":5,"start":2226.905,"end":2245.7373},{"sentences":[{"text":"Mhmm.","start":2252.775,"end":2253.275,"sentiment":"neutral","sentiment_score":0.004006735049188137},{"text":"Yes.","start":2259.2024,"end":2259.7024,"sentiment":"neutral","sentiment_score":0.2679781913757324},{"text":"Yeah.","start":2276.8298,"end":2277.3298,"sentiment":"neutral","sentiment_score":-0.051087040454149246},{"text":"Yep.","start":2280.43,"end":2280.705,"sentiment":"neutral","sentiment_score":-0.3015369474887848},{"text":"That's okay.","start":2284.3052,"end":2285.105,"sentiment":"neutral","sentiment_score":0.014508664608001709}],"sentiment":"neutral","sentiment_score":-0.00860362205033501,"num_words":6,"start":2252.775,"end":2285.105},{"sentences":[{"text":"Did you want me to look at the growth environment and see what that does and how that looks over the next five to ten years for yourself?","start":2285.105,"end":2292.865,"sentiment":"neutral","sentiment_score":0.05587706455428686},{"text":"I can project in the back end to see where we're sort of tracking for, and maybe if that's not gonna work, if we maybe need to bump up the risk a little bit, we absolutely can.","start":2292.865,"end":2302.43,"sentiment":"neutral","sentiment_score":-0.04264970697663926},{"text":"The the other side of it is I mean, sort of talking to you, you are probably in that right sort of range.","start":2303.29,"end":2310.455,"sentiment":"neutral","sentiment_score":-0.10274382372913153},{"text":"It sort of feels like there's a little bit of nervousness to take on more risk in the market.","start":2310.455,"end":2314.715,"sentiment":"negative","sentiment_score":-0.3600799315854123},{"text":"And, look, honestly, that's okay.","start":2315.175,"end":2316.875,"sentiment":"neutral","sentiment_score":-0.012246759608387947}],"sentiment":"neutral","sentiment_score":-0.0828512660227716,"num_words":112,"start":2285.105,"end":2316.875},{"sentences":[{"text":"For someone your age and even my age, being in that growth or high growth environment is pretty normal.","start":2317.095,"end":2322.955,"sentiment":"neutral","sentiment_score":0.0006215039052461323},{"text":"There's about a 10% difference between the two.","start":2323.41,"end":2325.8098,"sentiment":"neutral","sentiment_score":0.009220022708177567},{"text":"But sitting in this growth environment, you can still receive really fantastic returns.","start":2325.8098,"end":2330.3098,"sentiment":"positive","sentiment_score":0.5577534070381751},{"text":"You know, we might receive a 20% one year, a 10% the next, a 2% the next year, and then back up to a 14% the following year.","start":2330.77,"end":2338.47,"sentiment":"positive","sentiment_score":0.4008749819227627},{"text":"And there's absolutely nothing wrong with that.","start":2338.625,"end":2340.4648,"sentiment":"positive","sentiment_score":0.47821355717522757}],"sentiment":"neutral","sentiment_score":0.2921114325523376,"num_words":75,"start":2317.095,"end":2340.4648},{"sentences":[{"text":"And as we get closer to accessing super, as your life changes, we start to pull back on the risk level, but we can also then increase contributions in.","start":2340.4648,"end":2349.605,"sentiment":"neutral","sentiment_score":0.2986951043893551},{"text":"And there's also the possibility of wage increases along the way, so that means that contributions could increase as well.","start":2349.825,"end":2356.38,"sentiment":"neutral","sentiment_score":0.2742676019668579},{"text":"That can provide additional growth.","start":2356.38,"end":2358.16,"sentiment":"positive","sentiment_score":0.4076866269111633},{"text":"And when we kinda get our balance up to that sort of $2,200 to $2.50 mark, then it kinda helps the compounding effect.","start":2358.6199,"end":2366.94,"sentiment":"neutral","sentiment_score":0.24314320929672406},{"text":"Like, if you think about a 5% return on someone with $50,000 in super, that's essentially sitting there.","start":2366.94,"end":2373.5452,"sentiment":"neutral","sentiment_score":0.17325638814104927}],"sentiment":"neutral","sentiment_score":0.26207212633208227,"num_words":95,"start":2340.4648,"end":2373.5452},{"sentences":[{"text":"They're getting a $2,500 return.","start":2373.5452,"end":2376.0452,"sentiment":"neutral","sentiment_score":0.2650496780872345},{"text":"The same 5% return for someone with $500,000 in super is 25,000.","start":2376.2651,"end":2380.98,"sentiment":"neutral","sentiment_score":0.20122838020324707},{"text":"So that same level of return compounds and grows even more.","start":2381.22,"end":2384.98,"sentiment":"neutral","sentiment_score":0.14179893786256964},{"text":"So we kind of slug it out for the first, you know, 40 odd to where, like, forty, forty five realistically to get our super balance up that high.","start":2384.98,"end":2392.995,"sentiment":"neutral","sentiment_score":-0.019341412546305822},{"text":"It feels like a better sense to be a lifetime away.","start":2393.0752,"end":2395.655,"sentiment":"negative","sentiment_score":-0.3949144320054488}],"sentiment":"neutral","sentiment_score":0.005806140492067617,"num_words":68,"start":2373.5452,"end":2395.655},{"sentences":[{"text":"And then once it gets that $2.50 2, $2.50, $300,000 mark, then the compounding effect really jumps in, and you sort of see those changes occur a lot easier and a lot faster.","start":2395.875,"end":2407.0151,"sentiment":"positive","sentiment_score":0.49892575573176146},{"text":"Did you did you probably just look at the growth portfolio to start with?","start":2408.67,"end":2412.43,"sentiment":"neutral","sentiment_score":0.12806963760937964},{"text":"We can look at that for maybe this year.","start":2412.43,"end":2414.67,"sentiment":"neutral","sentiment_score":0.12550273289283118},{"text":"Just get your super working a bit harder, replace some of those underlying investments that are underperforming a little bit, and then we maybe come back in six months' time, see how that's working, and then we maybe adjust the risk level if you feel more comfortable.","start":2414.67,"end":2429.165,"sentiment":"neutral","sentiment_score":0.09683653109885276},{"text":"Does that feel like a comfort level for you?","start":2429.225,"end":2431.725,"sentiment":"neutral","sentiment_score":0.22217716773351034}],"sentiment":"neutral","sentiment_score":0.22918049709216967,"num_words":112,"start":2395.875,"end":2431.725},{"sentences":[{"text":"Yes.","start":2433.8699,"end":2434.3699,"sentiment":"neutral","sentiment_score":0.2277931571006775},{"text":"Yep.","start":2434.5898,"end":2435.0898,"sentiment":"neutral","sentiment_score":0.2706700265407562},{"text":"That's all good.","start":2435.39,"end":2436.45,"sentiment":"positive","sentiment_score":0.523722251256307},{"text":"You're still very young, so we can always adjust the risk level as you definitely need to.","start":2437.39,"end":2442.13,"sentiment":"neutral","sentiment_score":0.2156229325953652},{"text":"I just don't want you to feel like you have to jump the risk level up if you don't you know, if you're really not comfortable to do so.","start":2442.2698,"end":2448.8499,"sentiment":"neutral","sentiment_score":-0.19530355776178426}],"sentiment":"neutral","sentiment_score":0.0014003258125454775,"num_words":51,"start":2433.8699,"end":2448.8499},{"sentences":[{"text":"And I mean yeah.","start":2449.475,"end":2451.735,"sentiment":"neutral","sentiment_score":-0.0941559262573719},{"text":"You're right.","start":2451.875,"end":2452.615,"sentiment":"neutral","sentiment_score":0.14070820063352585},{"text":"You do.","start":2465.26,"end":2466.0,"sentiment":"neutral","sentiment_score":0.13802319020032883},{"text":"Yeah.","start":2466.0598,"end":2466.5598,"sentiment":"neutral","sentiment_score":0.09383129328489304},{"text":"Yeah.","start":2476.275,"end":2476.6748,"sentiment":"neutral","sentiment_score":0.24299879372119904}],"sentiment":"neutral","sentiment_score":0.051766916364431384,"num_words":10,"start":2449.475,"end":2476.6748},{"sentences":[{"text":"And, look, you're you're definitely gonna be in a lot greater position than a lot of my current clients.","start":2476.6748,"end":2481.395,"sentiment":"positive","sentiment_score":0.5069006469688917},{"text":"I do have a lot of the older clients on Outlook who are retiring a lot earlier.","start":2481.395,"end":2486.355,"sentiment":"positive","sentiment_score":0.44897933391963735},{"text":"And because super wasn't a factor for them, we're pretty lucky that super was, you know, a factor when we first started working with being gaining it and compounding it a little bit longer.","start":2486.355,"end":2495.77,"sentiment":"positive","sentiment_score":0.49436190812026753},{"text":"So we are gonna end up with a lot more in retirement than a lot of people who are retiring now.","start":2495.77,"end":2500.97,"sentiment":"positive","sentiment_score":0.5780698046797798},{"text":"So at the moment, we're doing a lot of job expensive and retirement and trying to make money last a little bit longer and drawing down less than we actually need to kind of give that to make sure things work and and stay invested as long as possible, whereas you and I are gonna have a very different kind of retirement.","start":2500.97,"end":2518.475,"sentiment":"neutral","sentiment_score":-0.048364917417207075}],"sentiment":"neutral","sentiment_score":0.282437299761702,"num_words":153,"start":2476.6748,"end":2518.475},{"sentences":[{"text":"And our kids, again, are gonna have a very different retirement as well.","start":2518.475,"end":2522.34,"sentiment":"neutral","sentiment_score":-0.0529779872068992},{"text":"The main difference is money is gonna be worth less in the future, so we may need to draw out more to cover our expenses.","start":2522.4,"end":2529.86,"sentiment":"neutral","sentiment_score":-0.01837894707918167},{"text":"But there's nothing wrong with just sticking with that growth environment now if that's your comfort level.","start":2530.8,"end":2535.585,"sentiment":"neutral","sentiment_score":0.13825048352865613},{"text":"And then we review it in six months' time.","start":2535.885,"end":2538.205,"sentiment":"neutral","sentiment_score":0.05712763965129852},{"text":"We look at whether this new portfolio is working.","start":2538.205,"end":2540.7852,"sentiment":"neutral","sentiment_score":0.0992102904452218}],"sentiment":"neutral","sentiment_score":0.03574126137241925,"num_words":73,"start":2518.475,"end":2540.7852},{"sentences":[{"text":"If it is right, if it's not, we readjust it again.","start":2541.0051,"end":2544.845,"sentiment":"neutral","sentiment_score":0.0668350834060799},{"text":"If it's, you know, you're happy with things, you wanna just bump up the risk level, you feel like it's going really well and you wanna kinda take a little bit more, then we can always bump that up then as well.","start":2544.845,"end":2554.42,"sentiment":"neutral","sentiment_score":0.149031434740339},{"text":"Does that feel comfortable there for yourself?","start":2554.42,"end":2556.5,"sentiment":"neutral","sentiment_score":0.06421400979161263},{"text":"Do you feel like that's a good plan?","start":2556.5,"end":2558.1199,"sentiment":"neutral","sentiment_score":0.1716609774157405},{"text":"Yes.","start":2558.98,"end":2559.48,"sentiment":"neutral","sentiment_score":0.17178601026535034}],"sentiment":"neutral","sentiment_score":0.1302764938361403,"num_words":69,"start":2541.0051,"end":2559.48},{"sentences":[{"text":"Beautiful.","start":2560.5,"end":2561.0,"sentiment":"positive","sentiment_score":0.5955243110656738},{"text":"Excellent.","start":2561.22,"end":2561.72,"sentiment":"positive","sentiment_score":0.5489698648452759},{"text":"I sorta just wanna don't want you to feel like you have to do everything at once.","start":2561.8599,"end":2565.375,"sentiment":"neutral","sentiment_score":0.10358206314199112},{"text":"It's okay to sort of work in in increments and start slower and build on that because your super dump is at 200 k now.","start":2565.375,"end":2572.735,"sentiment":"neutral","sentiment_score":0.1049059733748436},{"text":"So it is really good.","start":2572.735,"end":2574.175,"sentiment":"positive","sentiment_score":0.5671812772750855}],"sentiment":"neutral","sentiment_score":0.17069275449125135,"num_words":49,"start":2560.5,"end":2574.175},{"sentences":[{"text":"It is working, and we'll sort of wanna make that compounding effect work a little bit harder for you.","start":2574.175,"end":2579.39,"sentiment":"neutral","sentiment_score":0.2628809911640067},{"text":"So if we start by doing that, I can make sure we do a catch up in six months' time.","start":2579.39,"end":2584.03,"sentiment":"neutral","sentiment_score":0.07393637895584107},{"text":"We'll see how things are tracking for you, and then, you know, do the advice first.","start":2584.03,"end":2588.8298,"sentiment":"neutral","sentiment_score":0.06538506667129695},{"text":"Set a catch up in six months, and then come back and see how things are tracking and whether we need to adjust things further for you.","start":2588.8298,"end":2595.865,"sentiment":"neutral","sentiment_score":0.0398682638036984},{"text":"How does that sound?","start":2596.245,"end":2597.3052,"sentiment":"neutral","sentiment_score":-0.02482004603371024}],"sentiment":"neutral","sentiment_score":0.09879988856440367,"num_words":86,"start":2574.175,"end":2597.3052},{"sentences":[{"text":"Yeah.","start":2597.925,"end":2598.425,"sentiment":"neutral","sentiment_score":0.038134608417749405},{"text":"Excellent.","start":2598.5652,"end":2599.0652,"sentiment":"neutral","sentiment_score":0.29245373606681824},{"text":"Excellent.","start":2599.8452,"end":2600.3452,"sentiment":"positive","sentiment_score":0.3345361053943634},{"text":"All good.","start":2600.5652,"end":2601.3052,"sentiment":"positive","sentiment_score":0.3863355815410614},{"text":"Beautiful.","start":2602.3252,"end":2602.8252,"sentiment":"positive","sentiment_score":0.45340466499328613}],"sentiment":"neutral","sentiment_score":0.31520004632572335,"num_words":6,"start":2597.925,"end":2602.8252},{"sentences":[{"text":"So I'll go back and do some research and update the advice.","start":2602.885,"end":2605.625,"sentiment":"neutral","sentiment_score":0.18692895350977778},{"text":"Just takes a couple of weeks to put things together for you, but my team will book you back in once they've got that research completed.","start":2605.65,"end":2612.15,"sentiment":"neutral","sentiment_score":0.13496732998352784},{"text":"The only other documents in the annual review pack are they've got a copy of the certificate of currency with your insurance information so you can kind of have a bit more detail around that as well.","start":2612.8499,"end":2622.825,"sentiment":"neutral","sentiment_score":0.10864854322091953},{"text":"And then we've also got the financial services guide in there.","start":2623.4448,"end":2626.4849,"sentiment":"neutral","sentiment_score":0.11258354105732658},{"text":"So if you wanna have a look at what I look like and all my licensing information is in there for you as well.","start":2626.4849,"end":2632.105,"sentiment":"neutral","sentiment_score":0.13148954138159752}],"sentiment":"neutral","sentiment_score":0.12878601877865467,"num_words":110,"start":2602.885,"end":2632.105},{"sentences":[{"text":"And the document attached is the ongoing service agreement for the next twelve months there.","start":2632.63,"end":2637.43,"sentiment":"neutral","sentiment_score":0.08094458232323329},{"text":"So you are on the ongoing service fee of 1.65% per annum.","start":2637.43,"end":2641.53,"sentiment":"neutral","sentiment_score":0.08976531773805618},{"text":"That just continues for the year.","start":2642.07,"end":2643.75,"sentiment":"neutral","sentiment_score":0.11731696625550588},{"text":"So if you're happy to stay on board, want me to keep working and trying to make things work better for you and work towards your goals, I'll just ask you to sign and return that one back there for me.","start":2643.75,"end":2653.225,"sentiment":"positive","sentiment_score":0.4285677529689742},{"text":"And, please, if you do find you have any questions, you're welcome to let me know.","start":2653.685,"end":2657.5251,"sentiment":"neutral","sentiment_score":0.2509108744561672}],"sentiment":"neutral","sentiment_score":0.27312340231405363,"num_words":90,"start":2632.63,"end":2657.5251},{"sentences":[{"text":"Happy to touch base whenever you want.","start":2657.5251,"end":2659.95,"sentiment":"positive","sentiment_score":0.6136803116117205},{"text":"I think one thing I do wanna do this year is make sure we are still touching base a little bit regularly.","start":2659.95,"end":2665.09,"sentiment":"positive","sentiment_score":0.3600293736566197},{"text":"So my team are booking people in at least every six months just to see if you want a bit of a catch up just to see how things are tracking just so we can kind of pinpoint when things need to change there for you to keep your super on track.","start":2665.15,"end":2678.635,"sentiment":"neutral","sentiment_score":0.2871382368298677},{"text":"It make it a bit easier.","start":2678.635,"end":2680.655,"sentiment":"positive","sentiment_score":0.41139423350493115},{"text":"Yes.","start":2683.2751,"end":2683.595,"sentiment":"neutral","sentiment_score":0.29908788204193115}],"sentiment":"positive","sentiment_score":0.33994374999945814,"num_words":88,"start":2657.5251,"end":2683.595},{"sentences":[{"text":"All good.","start":2683.595,"end":2684.0752,"sentiment":"positive","sentiment_score":0.3841896057128906},{"text":"Do you have any questions?","start":2684.0752,"end":2685.195,"sentiment":"neutral","sentiment_score":0.1057037964463234},{"text":"I know I touch on a lot, and I'm very sorry.","start":2685.195,"end":2687.2751,"sentiment":"neutral","sentiment_score":0.013833624056794426},{"text":"But is there any questions or anything that I haven't sort of tapped on that you might want to ask me or have me look at?","start":2687.2751,"end":2693.49,"sentiment":"neutral","sentiment_score":0.0005228551319585397},{"text":"Or yep.","start":2693.49,"end":2700.435,"sentiment":"neutral","sentiment_score":0.03530807141214609}],"sentiment":"neutral","sentiment_score":0.03333213988124677,"num_words":46,"start":2683.595,"end":2700.435},{"sentences":[{"text":"Beautiful.","start":2700.7551,"end":2701.2551,"sentiment":"neutral","sentiment_score":0.2693820595741272},{"text":"Beautiful.","start":2701.475,"end":2701.955,"sentiment":"neutral","sentiment_score":0.21353989839553833},{"text":"Just need to get these returns working better.","start":2701.955,"end":2704.0352,"sentiment":"neutral","sentiment_score":0.08671505190432072},{"text":"It is super working better and get these underperforming investments going for you.","start":2704.0352,"end":2708.7751,"sentiment":"positive","sentiment_score":0.35889976643599},{"text":"Absolutely.","start":2714.97,"end":2715.47,"sentiment":"neutral","sentiment_score":0.0692315548658371}],"sentiment":"neutral","sentiment_score":0.24631545382241407,"num_words":24,"start":2700.7551,"end":2715.47},{"sentences":[{"text":"Yeah.","start":2717.9302,"end":2718.4102,"sentiment":"neutral","sentiment_score":0.07185141742229462},{"text":"Yeah.","start":2718.4102,"end":2718.73,"sentiment":"neutral","sentiment_score":0.07547302544116974},{"text":"Definitely.","start":2718.73,"end":2719.23,"sentiment":"neutral","sentiment_score":0.07524463534355164},{"text":"No.","start":2720.09,"end":2720.57,"sentiment":"neutral","sentiment_score":-0.011780833825469015},{"text":"Absolutely understand.","start":2720.57,"end":2721.87,"sentiment":"neutral","sentiment_score":0.15683408826589584}],"sentiment":"neutral","sentiment_score":0.08740940348555644,"num_words":6,"start":2717.9302,"end":2721.87},{"sentences":[{"text":"Yeah.","start":2727.29,"end":2727.79,"sentiment":"neutral","sentiment_score":0.030751915648579597},{"text":"Sometimes it can feel that way.","start":2728.825,"end":2730.585,"sentiment":"neutral","sentiment_score":-0.006233971876402696},{"text":"Yeah.","start":2730.585,"end":2730.985,"sentiment":"neutral","sentiment_score":0.02027270756661892},{"text":"No.","start":2730.985,"end":2731.3052,"sentiment":"neutral","sentiment_score":-0.023899195715785027},{"text":"Absolutely.","start":2731.3052,"end":2731.8052,"sentiment":"neutral","sentiment_score":0.10585057735443117}],"sentiment":"neutral","sentiment_score":0.009557217359542848,"num_words":10,"start":2727.29,"end":2731.8052},{"sentences":[{"text":"Well, I'll get stuck into that absolutely.","start":2732.105,"end":2734.845,"sentiment":"neutral","sentiment_score":-0.0028195293354136603},{"text":"I'll get stuck into the reset, see what I can do with the portfolio.","start":2736.0251,"end":2739.0051,"sentiment":"neutral","sentiment_score":0.0439033810980618},{"text":"I'll come back with the advice document.","start":2739.625,"end":2741.405,"sentiment":"neutral","sentiment_score":0.16940403410366603},{"text":"We'll go through that together.","start":2741.465,"end":2742.745,"sentiment":"neutral","sentiment_score":0.2034233957529068},{"text":"I'll show you what I'm changing, how it works for you, what it looks like, the advantages, the disadvantages, the risks involved, and then you get to take that away and decide what you wanna do with it moving forward.","start":2742.745,"end":2752.76,"sentiment":"neutral","sentiment_score":0.1625398389529437}],"sentiment":"neutral","sentiment_score":0.12738971788538236,"num_words":73,"start":2732.105,"end":2752.76},{"sentences":[{"text":"Okay.","start":2752.9001,"end":2753.4001,"sentiment":"neutral","sentiment_score":0.22480744123458865},{"text":"Excellent.","start":2755.1401,"end":2755.6401,"sentiment":"positive","sentiment_score":0.7157642841339111},{"text":"Well, thank you so much for your time.","start":2755.86,"end":2757.4602,"sentiment":"positive","sentiment_score":0.8139314129948616},{"text":"I hope you have a lovely afternoon.","start":2757.4602,"end":2759.1602,"sentiment":"positive","sentiment_score":0.8112875904355731},{"text":"Thanks, Ashley.","start":2762.365,"end":2763.165,"sentiment":"positive","sentiment_score":0.6996118724346161}],"sentiment":"positive","sentiment_score":0.7647505214339808,"num_words":19,"start":2752.9001,"end":2763.165},{"sentences":[{"text":"Enjoy your weekend with your family.","start":2763.165,"end":2764.765,"sentiment":"positive","sentiment_score":0.7518908878167471},{"text":"Enjoy your three weeks away.","start":2764.765,"end":2766.045,"sentiment":"positive","sentiment_score":0.42173182368278506},{"text":"That'll be amazing.","start":2766.045,"end":2767.105,"sentiment":"positive","sentiment_score":0.5191064874331156},{"text":"Lovely.","start":2771.8828,"end":2772.3828,"sentiment":"positive","sentiment_score":0.7147984504699707},{"text":"Yeah.","start":2773.003,"end":2773.483,"sentiment":"positive","sentiment_score":0.45296919345855713}],"sentiment":"positive","sentiment_score":0.5840682219713926,"num_words":16,"start":2763.165,"end":2773.483},{"sentences":[{"text":"All good.","start":2773.483,"end":2774.0427,"sentiment":"positive","sentiment_score":0.5492463260889053},{"text":"I'll talk to you very soon.","start":2774.0427,"end":2775.6428,"sentiment":"positive","sentiment_score":0.4463374416033427},{"text":"I appreciate your time today.","start":2775.6428,"end":2777.263,"sentiment":"positive","sentiment_score":0.6312406122684479},{"text":"Thank you.","start":2777.963,"end":2778.763,"sentiment":"positive","sentiment_score":0.47961196303367615},{"text":"See you later.","start":2778.763,"end":2779.6628,"sentiment":"neutral","sentiment_score":0.30439847707748413}],"sentiment":"positive","sentiment_score":0.4891744289133284,"num_words":18,"start":2773.483,"end":2779.6628},{"sentences":[{"text":"Bye.","start":2780.0427,"end":2780.5427,"sentiment":"neutral","sentiment_score":-0.08325941860675812}],"sentiment":"neutral","sentiment_score":-0.08325941860675812,"num_words":1,"start":2780.0427,"end":2780.5427}]}}]},{"alternatives":[{"transcript":"Hey, Adrian. This is Ashley. I'm well. Yourself? Yeah. It's been okay. It's gone by pretty quickly. I just actually went to phone, started ringing, I looked down like, oh, it's that time already. That happened fast. It was only 04:30 a minute ago. Yep. Yeah. Yeah. Yeah. Yeah. That's fine. Yep. It's Ashley Jones Pain, four twenty two August 1987. Any address is 9 Frank Street, Brazil 4304. When was it sent through? Oh, okay. Okay. Let me okay. Yep. So I got here a signature request here for financial annual re pack. Yeah. Yeah. Yeah. No worries at all. Yeah. Yeah. Yes. Yeah. So so when was the last review? Sorry. Wow. That's that's gone by. No. In no time. So what was it back then? 191. Yeah. Its performance hasn't been all that strong this year, has it? Yep. Got it right here fine. Yep. Yeah. 100%. Yeah. Yep. Yeah. Yep. Sure. Yep. That's fine. Yep. Yeah. Yep. Yeah. Yeah. Yep. Yeah. Gold's a gold's a tough one. It can it can have have a fair fair few fluctuations in it. But, yeah, in a long in a long term, it seems to be fairly fairly fairly reliable. Yeah. Thanks. You don't sound it. Yeah. Yeah. Mhmm. Yeah. I think I think something that's it's look, it's all it's all a gamble, isn't it? But, you know, I think something that's probably gonna cost you cost you less to to to manage or maintain is probably gonna is probably gonna be beneficial. But, you know, it's one of those things you just don't know what the outcome's gonna be. It is it is a gamble. Yeah. Yeah. Yeah. Yeah. Yep. K. Yep. Yep. That's fine. Yep. No. I think it's more than adequate. Realistically, we give when you when you take into consideration the level of debt that I carry, it's more than adequate. No. Yeah. That's that's come down. So I think the actual the actual figure is something I think around about $333.35, somewhere in that region. But there's also, like, a 100 and $106,000 in an offset account against it. Yeah. No. It's before. It's before. So realistically, the the negative equity part is just under 200 k. Well, you know, I had the benefit of having a fairly small home on as well. What if that's what's that? Fifty years ago. Two 100 50. Oh, no. That's that's part of the world. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. Not not to be honest with you, I'd be more inclined to invest in a business or something like that. Yes. Yeah. Yeah. Yeah. I think the last review was sort of somewhere around about that $8.40 mark. Yep. Look, I get the principle of it. I don't really know how it's paid out. I I don't imagine that it's a lump sum, but no. Can you enlighten me? Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. And, actually, with with with something like that as well, the the the cost of maintaining life is generally a whole lot higher as well. Yeah. It's gone up a little bit. Yeah. It's up now a 110. Yep. I was gonna say, the other question I should probably factor into that equation as well is that that figure is not including benefits such as company vehicles or things like that. Should that be factored in? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. That is fair enough. That's fair enough. No. No. That's fine. So how how it's how it's currently structured, albeit on the on the low side is is correct. So it just need I suppose it just needs to be bumped up to a hundred and ten month. Yeah. If we if we I don't know. I mean, I'm not I'm not planning on becoming unemployed be because of these reasons, but you never you never can plan for it. I've no. Just leave it the way it is, and we'll just let it naturally naturally increase. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. No. That's fine. No. I think it would have got spawned. Yeah. As as as much as as much as we can. I mean, it's you can see it's been a little bit more challenging than usual. We've we've had an additional family member come along. So, you know, my wife is off to the next off off until March or April, something like that on parental leave. So, you know, we're we're we're working it on a a one plus a very, very reduced income. So, you know, being able to put being able to put savings aside sometimes is a little bit little bit of a stretch stretch for the the weekly budget. But yeah. Yeah. I'd say 8085% of the time, we are regularly saving. Generally speaking, it's it's in the region of $600 a week. Like, it's very stressful too. Yeah. Look. There's there's definitely a part of me that wants to get rid of that mortgage, you know, sooner rather than later. But I am caught in a quandary where my wife also wants to do renovations for the house, which are quite extensive. And those will be about one and a half times what my current mortgage value is in terms of cost. Yeah. That it'll turn into a to change from a three bedroom, one bathroom, you know, a house on a 840 square block to that that's about a 110 square meters to to something that's about 400 square meters plus outdoor entertaining areas and yeah. I just look at it and go, this is going to slow me down from retirement. Quite happy for the house just to stay the way it is. Yeah. Yeah. Yeah. Yeah. No. No. No. It's not fun. I think the insurance renewal passed through for the 5 figure this year. Okay. Certainly do. About to take it about to take it away next month for three weeks. Yeah. We're heading south. We're going going to Victoria via the Newell Highway. We're gonna, you know, take the girls to the Dubbo Zoo, and then we'll go further down to Victoria and see see some family. But Grandfather's just turned 88 or something like that, but, you know, I'm trying to get down there with the kids so so you can see them. And then we'll do the coast road back to back to Single Bay. Thank you. Yeah. It's about the same. No more liabilities. I don't think there's any more assets either. Yep. No. I'm very bad. Still bad. Yeah. Now I need to. It's one of those things. Yeah. Okay. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. No worries. Well, the the goal is is to be in a financial position to be able to do that. Not necessarily retire at 60, but, you know, have that choice there. Yeah. You know, at the moment, I'm really enjoying what I do, and there's a good chance that I might wanna go go on, but on that that but I yeah. But, yeah, no. They're that's that's probably the number one goal, really. Yeah. It's something I look at every day. It it would be fantastic. Yep. There I mean, ideally, it'd be it'd be nice to be able to do it before a time because sometimes when you get to retirement, you don't necessarily have your health, though. Traveling like that is difficult when you're unwell. Nothing. No. Nothing really at the moment. I mean, there is there's something in I'm trying to work out right now, but it's as I said to you before, I'd be more inclined to invest in business. Currently in discussions with the business owner of the company that I work for. We're trying to work out some sort of acquisition plan, but so that that's a goal, but that one could be a tough one to a tough one to navigate. Yeah. Yeah. It's it's probably something that you'd wanna try and keep going as a as a operating interest or it just depends, I suppose, on what what the industry does in twenty years time as well. Yeah. The landscape is completely changed. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. I mean, based on what's currently there at the moment and, like, do we have any sort of or do you have any sort of tools that would go, okay. Well, based on what's currently there and what's, you know, the average annual growth rate, by this point in time, we'll have this much. Did you have a means of of of looking at that and then going, okay. Well, based on that, we need to look at moving moving to this or to that or whatever. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's Fair fair fair comment. Fair yeah. I suppose I think, you know, I'm as a I'm fairly a risk averse person, but at the same time, I say I say I'm a risk averse, but probably not. The I would be, ultimately, I want it to be able to to grow as much as possible. So, I mean, if that means that I have to move it into more volatile investment categories or brackets, whatever, to to get it to maybe kick in the ass and get it get it going a bit more. I'm willing to do that. And I fully understand that that that also, you know, will expose me to more potential negative growth along with but yeah. Ultimately, I think when when I first I can't remember his name now. But when I when I first spoke to the consultant when I first onboarded, I think I was the the the the magic number was to have somewhere right about 1 to 2,000,000 in super for retirement. I suppose coming back to my original question is is based on what it's currently doing and what's there and given the obviously, the very long time frame, is it is it likely to get there? I'm having my doubts, I must admit. But yeah. Yeah. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Sure. Yeah. Yeah. Yeah. No. I mean, I understand. Sometimes you gotta take risks to to to get that reward. It they don't always pay off. But, you know, at the same time, I do I do have time on my side. Yeah. I'm not gonna I'm not gonna leave it. I'm not gonna leave this till I'm 50 and go, well well, I should've done something different here. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. That's fine. Yeah. Yep. Yeah. No worries. It's not fun. Yeah. No worries. Okay. Yep. Yep. Good. No worries. Sounds good. No. I think I think everything's been fairly well covered off. No. I think so. Yeah. Yeah. Yeah. See see see it start trending upwards more than, you know, up and then down. Sometimes you look at it, you go, it seems like it's seems like it's taken two steps forward and three steps back, and you go, what's going on? Anyway, yeah. I learned a lot of things. No worries. Thank you. You too. Oh, certainly try. It'll be good. Yeah. It will be good. Easy done. Thanks, Donna. No worries at all. Thank you. See you. 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Adrian. This is Ashley. I'm well. Yourself? Yeah.\n\nIt's been okay. It's gone by pretty quickly. I just actually went to phone, started ringing, I looked down like, oh, it's that time already. That happened fast. It was only 04:30 a minute ago.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nThat's fine. Yep. It's Ashley Jones Pain, four twenty two August 1987. Any address is 9 Frank Street, Brazil 4304. When was it sent through?\n\nOh, okay. Okay. Let me okay. Yep. So I got here a signature request here for financial annual re pack.\n\nYeah. Yeah. Yeah. No worries at all. Yeah.\n\nYeah. Yes. Yeah. So so when was the last review? Sorry.\n\nWow. That's that's gone by. No. In no time. So what was it back then?\n\n191. Yeah. Its performance hasn't been all that strong this year, has it? Yep. Got it right here fine.\n\nYep. Yeah. 100%. Yeah. Yep.\n\nYeah. Yep. Sure. Yep. That's fine.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nYep. Yeah. Gold's a gold's a tough one. It can it can have have a fair fair few fluctuations in it. But, yeah, in a long in a long term, it seems to be fairly fairly fairly reliable.\n\nYeah. Thanks. You don't sound it. Yeah. Yeah.\n\nMhmm. Yeah. I think I think something that's it's look, it's all it's all a gamble, isn't it? But, you know, I think something that's probably gonna cost you cost you less to to to manage or maintain is probably gonna is probably gonna be beneficial. But, you know, it's one of those things you just don't know what the outcome's gonna be.\n\nIt is it is a gamble. Yeah. Yeah. Yeah. Yeah.\n\nYep. K. Yep. Yep. That's fine.\n\nYep. No. I think it's more than adequate. Realistically, we give when you when you take into consideration the level of debt that I carry, it's more than adequate. No.\n\nYeah. That's that's come down. So I think the actual the actual figure is something I think around about $333.35, somewhere in that region. But there's also, like, a 100 and $106,000 in an offset account against it. Yeah.\n\nNo. It's before. It's before. So realistically, the the negative equity part is just under 200 k. Well, you know, I had the benefit of having a fairly small home on as well.\n\nWhat if that's what's that? Fifty years ago. Two 100 50. Oh, no. That's that's part of the world.\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. No. Not not to be honest with you, I'd be more inclined to invest in a business or something like that.\n\nYes. Yeah. Yeah. Yeah. I think the last review was sort of somewhere around about that $8.40 mark.\n\nYep. Look, I get the principle of it. I don't really know how it's paid out. I I don't imagine that it's a lump sum, but no. Can you enlighten me?\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. And, actually, with with with something like that as well, the the the cost of maintaining life is generally a whole lot higher as well. Yeah. It's gone up a little bit. Yeah.\n\nIt's up now a 110. Yep. I was gonna say, the other question I should probably factor into that equation as well is that that figure is not including benefits such as company vehicles or things like that. Should that be factored in? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. That is fair enough. That's fair enough. No.\n\nNo. That's fine. So how how it's how it's currently structured, albeit on the on the low side is is correct. So it just need I suppose it just needs to be bumped up to a hundred and ten month. Yeah.\n\nIf we if we I don't know. I mean, I'm not I'm not planning on becoming unemployed be because of these reasons, but you never you never can plan for it. I've no. Just leave it the way it is, and we'll just let it naturally naturally increase. Yeah.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. No. That's fine. No.\n\nI think it would have got spawned. Yeah. As as as much as as much as we can. I mean, it's you can see it's been a little bit more challenging than usual. We've we've had an additional family member come along.\n\nSo, you know, my wife is off to the next off off until March or April, something like that on parental leave. So, you know, we're we're we're working it on a a one plus a very, very reduced income. So, you know, being able to put being able to put savings aside sometimes is a little bit little bit of a stretch stretch for the the weekly budget. But yeah. Yeah.\n\nI'd say 8085% of the time, we are regularly saving. Generally speaking, it's it's in the region of $600 a week. Like, it's very stressful too. Yeah. Look.\n\nThere's there's definitely a part of me that wants to get rid of that mortgage, you know, sooner rather than later. But I am caught in a quandary where my wife also wants to do renovations for the house, which are quite extensive. And those will be about one and a half times what my current mortgage value is in terms of cost. Yeah. That it'll turn into a to change from a three bedroom, one bathroom, you know, a house on a 840 square block to that that's about a 110 square meters to to something that's about 400 square meters plus outdoor entertaining areas and yeah.\n\nI just look at it and go, this is going to slow me down from retirement. Quite happy for the house just to stay the way it is. Yeah. Yeah. Yeah.\n\nYeah. No. No. No. It's not fun.\n\nI think the insurance renewal passed through for the 5 figure this year. Okay. Certainly do. About to take it about to take it away next month for three weeks. Yeah.\n\nWe're heading south. We're going going to Victoria via the Newell Highway. We're gonna, you know, take the girls to the Dubbo Zoo, and then we'll go further down to Victoria and see see some family. But Grandfather's just turned 88 or something like that, but, you know, I'm trying to get down there with the kids so so you can see them. And then we'll do the coast road back to back to Single Bay.\n\nThank you. Yeah. It's about the same. No more liabilities. I don't think there's any more assets either.\n\nYep. No. I'm very bad. Still bad. Yeah.\n\nNow I need to. It's one of those things. Yeah. Okay. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Yeah. No worries.\n\nWell, the the goal is is to be in a financial position to be able to do that. Not necessarily retire at 60, but, you know, have that choice there. Yeah. You know, at the moment, I'm really enjoying what I do, and there's a good chance that I might wanna go go on, but on that that but I yeah. But, yeah, no.\n\nThey're that's that's probably the number one goal, really. Yeah. It's something I look at every day. It it would be fantastic. Yep.\n\nThere I mean, ideally, it'd be it'd be nice to be able to do it before a time because sometimes when you get to retirement, you don't necessarily have your health, though. Traveling like that is difficult when you're unwell. Nothing. No. Nothing really at the moment.\n\nI mean, there is there's something in I'm trying to work out right now, but it's as I said to you before, I'd be more inclined to invest in business. Currently in discussions with the business owner of the company that I work for. We're trying to work out some sort of acquisition plan, but so that that's a goal, but that one could be a tough one to a tough one to navigate. Yeah. Yeah.\n\nIt's it's probably something that you'd wanna try and keep going as a as a operating interest or it just depends, I suppose, on what what the industry does in twenty years time as well. Yeah. The landscape is completely changed. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. I mean, based on what's currently there at the moment and, like, do we have any sort of or do you have any sort of tools that would go, okay. Well, based on what's currently there and what's, you know, the average annual growth rate, by this point in time, we'll have this much.\n\nDid you have a means of of of looking at that and then going, okay. Well, based on that, we need to look at moving moving to this or to that or whatever. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. That's Fair fair fair comment. Fair yeah. I suppose I think, you know, I'm as a I'm fairly a risk averse person, but at the same time, I say I say I'm a risk averse, but probably not. The I would be, ultimately, I want it to be able to to grow as much as possible.\n\nSo, I mean, if that means that I have to move it into more volatile investment categories or brackets, whatever, to to get it to maybe kick in the ass and get it get it going a bit more. I'm willing to do that. And I fully understand that that that also, you know, will expose me to more potential negative growth along with but yeah. Ultimately, I think when when I first I can't remember his name now. But when I when I first spoke to the consultant when I first onboarded, I think I was the the the the magic number was to have somewhere right about 1 to 2,000,000 in super for retirement.\n\nI suppose coming back to my original question is is based on what it's currently doing and what's there and given the obviously, the very long time frame, is it is it likely to get there? I'm having my doubts, I must admit. But yeah. Yeah. Yep.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Sure.\n\nYeah. Yeah. Yeah. No. I mean, I understand.\n\nSometimes you gotta take risks to to to get that reward. It they don't always pay off. But, you know, at the same time, I do I do have time on my side. Yeah. I'm not gonna I'm not gonna leave it.\n\nI'm not gonna leave this till I'm 50 and go, well well, I should've done something different here. Yes. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. That's fine.\n\nYeah. Yep. Yeah. No worries. It's not fun.\n\nYeah. No worries. Okay. Yep. Yep.\n\nGood. No worries. Sounds good. No. I think I think everything's been fairly well covered off.\n\nNo. I think so. Yeah. Yeah. Yeah.\n\nSee see see it start trending upwards more than, you know, up and then down. Sometimes you look at it, you go, it seems like it's seems like it's taken two steps forward and three steps back, and you go, what's going on? Anyway, yeah. I learned a lot of things. No worries.\n\nThank you. You too. Oh, certainly try. It'll be good. Yeah.\n\nIt will be good. Easy done. Thanks, Donna. No worries at all. Thank you.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Adrian.","start":0.88,"end":1.36,"sentiment":"neutral","sentiment_score":0.06182318180799484},{"text":"This is Ashley.","start":1.36,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.045807783802350364},{"text":"I'm well.","start":6.16,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.3005698025226593},{"text":"Yourself?","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.15037675201892853},{"text":"Yeah.","start":12.0,"end":12.24,"sentiment":"neutral","sentiment_score":0.17833814024925232}],"sentiment":"neutral","sentiment_score":0.1323249124818378,"num_words":9,"start":0.88,"end":12.24},{"sentences":[{"text":"It's been okay.","start":12.24,"end":13.139999,"sentiment":"neutral","sentiment_score":0.2529669255018234},{"text":"It's gone by pretty quickly.","start":13.28,"end":14.559999,"sentiment":"neutral","sentiment_score":0.14737622290849686},{"text":"I just actually went to phone, started ringing, I looked down like, oh, it's that time already.","start":14.559999,"end":17.915,"sentiment":"neutral","sentiment_score":0.04407485826488804},{"text":"That happened fast.","start":19.335,"end":20.215,"sentiment":"neutral","sentiment_score":0.16740618646144867},{"text":"It was only 04:30 a minute ago.","start":20.215,"end":22.075,"sentiment":"neutral","sentiment_score":0.05529323805655752}],"sentiment":"neutral","sentiment_score":0.08955216306660857,"num_words":35,"start":12.24,"end":22.075},{"sentences":[{"text":"Yep.","start":27.415,"end":27.915,"sentiment":"neutral","sentiment_score":0.08273002505302429},{"text":"Yeah.","start":31.58,"end":32.08,"sentiment":"neutral","sentiment_score":0.28096455335617065},{"text":"Yeah.","start":38.78,"end":39.28,"sentiment":"neutral","sentiment_score":0.13051404058933258},{"text":"Yeah.","start":39.82,"end":40.32,"sentiment":"neutral","sentiment_score":0.09600386023521423},{"text":"Yeah.","start":40.38,"end":40.88,"sentiment":"neutral","sentiment_score":0.12963512539863586}],"sentiment":"neutral","sentiment_score":0.14396952092647552,"num_words":5,"start":27.415,"end":40.88},{"sentences":[{"text":"That's fine.","start":48.815,"end":49.535,"sentiment":"neutral","sentiment_score":0.18548817187547684},{"text":"Yep.","start":49.535,"end":50.035,"sentiment":"neutral","sentiment_score":0.2759127616882324},{"text":"It's Ashley Jones Pain, four twenty two August 1987.","start":57.9,"end":60.78,"sentiment":"neutral","sentiment_score":0.02374742842382855},{"text":"Any address is 9 Frank Street, Brazil 4304.","start":60.78,"end":63.84,"sentiment":"neutral","sentiment_score":0.026098086731508374},{"text":"When was it sent through?","start":76.645004,"end":77.945,"sentiment":"neutral","sentiment_score":0.01894843764603138}],"sentiment":"neutral","sentiment_score":0.046565713733434676,"num_words":25,"start":48.815,"end":77.945},{"sentences":[{"text":"Oh, okay.","start":80.005005,"end":80.825005,"sentiment":"neutral","sentiment_score":0.06838461756706238},{"text":"Okay.","start":80.885,"end":81.385,"sentiment":"neutral","sentiment_score":0.06566642224788666},{"text":"Let me 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review?","start":159.72499,"end":161.565,"sentiment":"neutral","sentiment_score":0.03426610851394279},{"text":"Sorry.","start":161.565,"end":162.065,"sentiment":"neutral","sentiment_score":-0.03127286955714226}],"sentiment":"neutral","sentiment_score":0.05357505863701755,"num_words":11,"start":136.895,"end":162.065},{"sentences":[{"text":"Wow.","start":165.805,"end":166.045,"sentiment":"neutral","sentiment_score":-0.008630596101284027},{"text":"That's that's gone by.","start":166.045,"end":167.325,"sentiment":"neutral","sentiment_score":-0.05416691768914461},{"text":"No.","start":167.325,"end":167.565,"sentiment":"neutral","sentiment_score":-0.10913781076669692},{"text":"In no time.","start":167.565,"end":168.205,"sentiment":"neutral","sentiment_score":-0.1237133393685023},{"text":"So what was it back then?","start":168.205,"end":169.485,"sentiment":"neutral","sentiment_score":-0.032256171417733036}],"sentiment":"neutral","sentiment_score":-0.05994087494909763,"num_words":15,"start":165.805,"end":169.485},{"sentences":[{"text":"191.","start":169.485,"end":170.82,"sentiment":"neutral","sentiment_score":-0.003126920899376273},{"text":"Yeah.","start":175.54001,"end":175.70001,"sentiment":"neutral","sentiment_score":-0.0024000611156225204},{"text":"Its performance hasn't been all that strong this year, has it?","start":175.70001,"end":178.84001,"sentiment":"neutral","sentiment_score":-0.06348058987747539},{"text":"Yep.","start":214.055,"end":214.455,"sentiment":"neutral","sentiment_score":0.07320555299520493},{"text":"Got it right here fine.","start":214.455,"end":215.755,"sentiment":"neutral","sentiment_score":0.17842025756835939}],"sentiment":"neutral","sentiment_score":0.01376280895630388,"num_words":19,"start":169.485,"end":215.755},{"sentences":[{"text":"Yep.","start":266.41,"end":266.91,"sentiment":"neutral","sentiment_score":0.026047147810459137},{"text":"Yeah.","start":279.135,"end":279.635,"sentiment":"neutral","sentiment_score":0.07133165746927261},{"text":"100%.","start":279.695,"end":280.515,"sentiment":"neutral","sentiment_score":0.1020648181438446},{"text":"Yeah.","start":307.1,"end":307.6,"sentiment":"neutral","sentiment_score":0.13204753398895264},{"text":"Yep.","start":311.58002,"end":312.08002,"sentiment":"neutral","sentiment_score":0.13960394263267517}],"sentiment":"neutral","sentiment_score":0.09421902000904084,"num_words":5,"start":266.41,"end":312.08002},{"sentences":[{"text":"Yeah.","start":327.76498,"end":328.26498,"sentiment":"neutral","sentiment_score":0.005045045167207718},{"text":"Yep.","start":359.185,"end":359.505,"sentiment":"neutral","sentiment_score":0.050411976873874664},{"text":"Sure.","start":359.505,"end":360.005,"sentiment":"neutral","sentiment_score":0.16328765451908112},{"text":"Yep.","start":360.72,"end":361.2,"sentiment":"neutral","sentiment_score":0.1325666606426239},{"text":"That's 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a gold's a tough one.","start":486.48502,"end":487.92502,"sentiment":"neutral","sentiment_score":-0.2564646241565545},{"text":"It can it can have have a fair fair few fluctuations in it.","start":487.92502,"end":492.345,"sentiment":"neutral","sentiment_score":-0.19584609682743365},{"text":"But, yeah, in a long in a long term, it seems to be fairly fairly fairly reliable.","start":494.165,"end":499.86502,"sentiment":"neutral","sentiment_score":0.1048976114458021}],"sentiment":"neutral","sentiment_score":-0.05832641554604236,"num_words":38,"start":480.9,"end":499.86502},{"sentences":[{"text":"Yeah.","start":510.13998,"end":510.63998,"sentiment":"neutral","sentiment_score":0.10881514102220537},{"text":"Thanks.","start":586.34503,"end":586.84503,"sentiment":"positive","sentiment_score":0.5511528253555298},{"text":"You don't sound 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beneficial.","start":652.81995,"end":664.755,"sentiment":"neutral","sentiment_score":0.05059689675856914},{"text":"But, you know, it's one of those things you just don't know what the outcome's gonna be.","start":665.935,"end":669.315,"sentiment":"neutral","sentiment_score":-0.042156526161467325}],"sentiment":"neutral","sentiment_score":0.005953836476518994,"num_words":63,"start":608.97504,"end":669.315},{"sentences":[{"text":"It is it is a 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adequate.","start":801.425,"end":807.845,"sentiment":"neutral","sentiment_score":0.0627220446864764},{"text":"No.","start":818.07,"end":818.39,"sentiment":"neutral","sentiment_score":-0.025386091321706772}],"sentiment":"neutral","sentiment_score":0.05369994180897872,"num_words":30,"start":792.77,"end":818.39},{"sentences":[{"text":"Yeah.","start":818.39,"end":818.63,"sentiment":"neutral","sentiment_score":0.001626206561923027},{"text":"That's that's come down.","start":818.63,"end":819.91,"sentiment":"neutral","sentiment_score":0.007404785603284836},{"text":"So I think the actual the actual figure is something I think around about $333.35, somewhere in that region.","start":819.91,"end":831.89496,"sentiment":"neutral","sentiment_score":0.015273680444806814},{"text":"But there's also, like, a 100 and $106,000 in an offset account against 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not to be honest with you, I'd be more inclined to invest in a business or something like that.","start":922.35,"end":927.65,"sentiment":"neutral","sentiment_score":-0.039933045487850906}],"sentiment":"neutral","sentiment_score":-0.0250997645004342,"num_words":24,"start":905.54,"end":927.65},{"sentences":[{"text":"Yes.","start":944.575,"end":945.075,"sentiment":"neutral","sentiment_score":0.023755092173814777},{"text":"Yeah.","start":945.135,"end":945.53503,"sentiment":"neutral","sentiment_score":0.038865238428115845},{"text":"Yeah.","start":945.53503,"end":946.03503,"sentiment":"neutral","sentiment_score":0.06949345022439957},{"text":"Yeah.","start":957.46,"end":957.54,"sentiment":"neutral","sentiment_score":0.007121860049664974},{"text":"I think the last review was sort of somewhere around about that $8.40 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me?","start":988.715,"end":990.015,"sentiment":"neutral","sentiment_score":0.002697402494959533}],"sentiment":"neutral","sentiment_score":-0.016570353144479376,"num_words":31,"start":972.195,"end":990.015},{"sentences":[{"text":"Yeah.","start":1011.53,"end":1012.03,"sentiment":"neutral","sentiment_score":-0.0448731929063797},{"text":"Yeah.","start":1012.49005,"end":1012.935,"sentiment":"neutral","sentiment_score":-0.05561519414186478},{"text":"Yeah.","start":1013.015,"end":1013.515,"sentiment":"neutral","sentiment_score":-0.1283208727836609},{"text":"Yeah.","start":1018.695,"end":1019.195,"sentiment":"neutral","sentiment_score":-0.034141186624765396},{"text":"Yep.","start":1036.85,"end":1037.35,"sentiment":"neutral","sentiment_score":0.0537455677986145}],"sentiment":"neutral","sentiment_score":-0.04184097573161125,"num_words":5,"start":1011.53,"end":1037.35},{"sentences":[{"text":"Yep.","start":1057.32,"end":1057.82,"sentiment":"neutral","sentiment_score":0.14975211024284363},{"text":"Yeah.","start":1069.2251,"end":1069.7251,"sentiment":"neutral","sentiment_score":0.07151387631893158},{"text":"Yeah.","start":1089.82,"end":1090.32,"sentiment":"neutral","sentiment_score":-0.24286577105522156},{"text":"Yeah.","start":1092.22,"end":1092.62,"sentiment":"neutral","sentiment_score":-0.11517059057950974},{"text":"Yeah.","start":1092.62,"end":1092.86,"sentiment":"neutral","sentiment_score":-0.09071892499923706}],"sentiment":"neutral","sentiment_score":-0.04549786001443863,"num_words":5,"start":1057.32,"end":1092.86},{"sentences":[{"text":"Yeah.","start":1092.86,"end":1093.02,"sentiment":"neutral","sentiment_score":-0.0929819792509079},{"text":"And, actually, with with with something like that as well, the the the cost of maintaining life is generally a whole lot higher as well.","start":1093.02,"end":1102.625,"sentiment":"neutral","sentiment_score":-0.20784557312726976},{"text":"Yeah.","start":1104.845,"end":1105.345,"sentiment":"neutral","sentiment_score":0.10411083698272704},{"text":"It's gone up a little bit.","start":1124.4149,"end":1127.0549,"sentiment":"neutral","sentiment_score":-0.014419233426451683},{"text":"Yeah.","start":1127.0549,"end":1127.2949,"sentiment":"neutral","sentiment_score":0.038986384868621826}],"sentiment":"neutral","sentiment_score":-0.1538982201805886,"num_words":34,"start":1092.86,"end":1127.2949},{"sentences":[{"text":"It's up now a 110.","start":1127.2949,"end":1129.075,"sentiment":"neutral","sentiment_score":0.03281015828251839},{"text":"Yep.","start":1151.8401,"end":1152.3401,"sentiment":"neutral","sentiment_score":-0.008566910400986671},{"text":"I was gonna say, the other question I should probably factor into that equation as well is that that figure is not including benefits such as company vehicles or things like that.","start":1153.395,"end":1168.21,"sentiment":"neutral","sentiment_score":-0.06248788652010262},{"text":"Should that be factored 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too.","start":1444.82,"end":1447.08,"sentiment":"neutral","sentiment_score":-0.2875625729560852},{"text":"Yeah.","start":1461.395,"end":1461.7949,"sentiment":"neutral","sentiment_score":-0.021164048463106155},{"text":"Look.","start":1461.7949,"end":1462.2949,"sentiment":"neutral","sentiment_score":-0.046166643500328064}],"sentiment":"neutral","sentiment_score":-0.022950909466349652,"num_words":28,"start":1414.865,"end":1462.2949},{"sentences":[{"text":"There's there's definitely a part of me that wants to get rid of that mortgage, you know, sooner rather than later.","start":1462.6749,"end":1469.575,"sentiment":"neutral","sentiment_score":-0.1562405845948628},{"text":"But I am caught in a quandary where my wife also wants to do renovations for the house, which are quite extensive.","start":1470.915,"end":1477.9501,"sentiment":"neutral","sentiment_score":-0.2262348844246431},{"text":"And those will be about one and a half times what my current mortgage value is in terms of 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mean, based on what's currently there at the moment and, like, do we have any sort of or do you have any sort of tools that would go, okay.","start":2087.3398,"end":2096.8599,"sentiment":"neutral","sentiment_score":0.03494211137294769},{"text":"Well, based on what's currently there and what's, you know, the average annual growth rate, by this point in time, we'll have this much.","start":2096.8599,"end":2108.105,"sentiment":"neutral","sentiment_score":0.03406255280909439}],"sentiment":"neutral","sentiment_score":0.03528700072906519,"num_words":57,"start":2066.04,"end":2108.105},{"sentences":[{"text":"Did you have a means of of of looking at that and then going, okay.","start":2108.105,"end":2113.305,"sentiment":"neutral","sentiment_score":0.026850175112485886},{"text":"Well, based on that, we need to look at moving moving to this or to that or whatever.","start":2113.305,"end":2118.83,"sentiment":"neutral","sentiment_score":0.013453276827931404},{"text":"Yep.","start":2126.09,"end":2126.59,"sentiment":"neutral","sentiment_score":0.12574583292007446},{"text":"Yeah.","start":2150.8298,"end":2151.23,"sentiment":"neutral","sentiment_score":0.11469735950231552},{"text":"Yeah.","start":2151.23,"end":2151.73,"sentiment":"neutral","sentiment_score":0.0999547690153122}],"sentiment":"neutral","sentiment_score":0.02736971030632655,"num_words":36,"start":2108.105,"end":2151.73},{"sentences":[{"text":"Yeah.","start":2158.27,"end":2158.77,"sentiment":"neutral","sentiment_score":-0.00787949189543724},{"text":"Yeah.","start":2167.465,"end":2167.945,"sentiment":"neutral","sentiment_score":0.04984178394079208},{"text":"Yeah.","start":2167.945,"end":2168.445,"sentiment":"neutral","sentiment_score":0.10287952423095705},{"text":"Yeah.","start":2177.3098,"end":2177.8098,"sentiment":"neutral","sentiment_score":-0.1330863982439041},{"text":"Yeah.","start":2185.8699,"end":2186.27,"sentiment":"neutral","sentiment_score":-0.06860533356666565}],"sentiment":"neutral","sentiment_score":-0.011369983106851578,"num_words":5,"start":2158.27,"end":2186.27},{"sentences":[{"text":"No.","start":2186.27,"end":2186.5898,"sentiment":"neutral","sentiment_score":-0.21849042177200317},{"text":"That's Fair fair fair comment.","start":2186.5898,"end":2191.2751,"sentiment":"neutral","sentiment_score":-0.07545947581529618},{"text":"Fair yeah.","start":2191.2751,"end":2192.175,"sentiment":"neutral","sentiment_score":0.02720959484577179},{"text":"I suppose I think, you know, I'm as a I'm fairly a risk averse person, but at the same time, I say I say I'm a risk averse, but probably not.","start":2194.075,"end":2207.21,"sentiment":"neutral","sentiment_score":-0.16889386011227484},{"text":"The I would be, ultimately, I want it to be able to to grow as much as possible.","start":2208.71,"end":2218.455,"sentiment":"neutral","sentiment_score":0.057711288746860295}],"sentiment":"neutral","sentiment_score":-0.08312763293322764,"num_words":57,"start":2186.27,"end":2218.455},{"sentences":[{"text":"So, I mean, if that means that I have to move it into more volatile investment categories or brackets, whatever, to to get it to maybe kick in the ass and get it get it going a bit more.","start":2218.5151,"end":2232.37,"sentiment":"neutral","sentiment_score":-0.18272479757284507},{"text":"I'm willing to do that.","start":2232.91,"end":2234.37,"sentiment":"neutral","sentiment_score":0.0007597362622618675},{"text":"And I fully understand that that that also, you know, will expose me to more potential negative growth along with but yeah.","start":2235.07,"end":2246.5852,"sentiment":"negative","sentiment_score":-0.3660889965566722},{"text":"Ultimately, I think when when I first I can't remember his name now.","start":2246.5852,"end":2250.985,"sentiment":"neutral","sentiment_score":-0.10532298454871544},{"text":"But when I when I first spoke to the consultant when I first onboarded, I think I was the the the the magic number was to have somewhere right about 1 to 2,000,000 in super for retirement.","start":2250.985,"end":2264.0598,"sentiment":"neutral","sentiment_score":0.07451704305571479}],"sentiment":"neutral","sentiment_score":-0.11886633236507146,"num_words":116,"start":2218.5151,"end":2264.0598},{"sentences":[{"text":"I suppose coming back to my original question is is based on what it's currently doing and what's there and given the obviously, the very long time frame, is it is it likely to get there?","start":2265.88,"end":2279.605,"sentiment":"neutral","sentiment_score":-0.11578613705933094},{"text":"I'm having my doubts, I must admit.","start":2279.825,"end":2283.445,"sentiment":"negative","sentiment_score":-0.35934098277773174},{"text":"But yeah.","start":2284.225,"end":2297.05,"sentiment":"neutral","sentiment_score":-0.024055618792772293},{"text":"Yeah.","start":2302.845,"end":2303.345,"sentiment":"neutral","sentiment_score":-0.009923074394464493},{"text":"Yep.","start":2331.0852,"end":2331.5852,"sentiment":"positive","sentiment_score":0.4843979775905609}],"sentiment":"neutral","sentiment_score":-0.13313455633977625,"num_words":47,"start":2265.88,"end":2331.5852},{"sentences":[{"text":"Yep.","start":2348.3298,"end":2348.8298,"sentiment":"neutral","sentiment_score":0.23761725425720215},{"text":"Yeah.","start":2354.2349,"end":2354.7349,"sentiment":"neutral","sentiment_score":0.2718748450279236},{"text":"Yeah.","start":2382.325,"end":2382.825,"sentiment":"neutral","sentiment_score":0.1246018409729004},{"text":"Yep.","start":2385.605,"end":2386.105,"sentiment":"neutral","sentiment_score":0.024976713582873344},{"text":"Yeah.","start":2393.2852,"end":2393.365,"sentiment":"neutral","sentiment_score":-0.2504325211048126}],"sentiment":"neutral","sentiment_score":0.08172762654721737,"num_words":5,"start":2348.3298,"end":2393.365},{"sentences":[{"text":"Yeah.","start":2393.365,"end":2393.865,"sentiment":"negative","sentiment_score":-0.34581297636032104},{"text":"Yeah.","start":2395.845,"end":2396.345,"sentiment":"neutral","sentiment_score":-0.04352855682373047},{"text":"Yeah.","start":2407.71,"end":2408.21,"sentiment":"neutral","sentiment_score":0.24348583817481995},{"text":"Yeah.","start":2421.165,"end":2421.565,"sentiment":"neutral","sentiment_score":0.06803229451179504},{"text":"Sure.","start":2421.565,"end":2422.065,"sentiment":"neutral","sentiment_score":0.1612682342529297}],"sentiment":"neutral","sentiment_score":0.016688966751098634,"num_words":5,"start":2393.365,"end":2422.065},{"sentences":[{"text":"Yeah.","start":2432.15,"end":2432.55,"sentiment":"neutral","sentiment_score":0.15124987065792084},{"text":"Yeah.","start":2432.55,"end":2433.05,"sentiment":"neutral","sentiment_score":0.16775837540626526},{"text":"Yeah.","start":2434.63,"end":2435.13,"sentiment":"positive","sentiment_score":0.3597540259361267},{"text":"No.","start":2448.845,"end":2449.345,"sentiment":"neutral","sentiment_score":-0.1590099185705185},{"text":"I mean, I understand.","start":2449.4048,"end":2452.22,"sentiment":"neutral","sentiment_score":-0.05726078990846872}],"sentiment":"neutral","sentiment_score":0.03633864922448993,"num_words":8,"start":2432.15,"end":2452.22},{"sentences":[{"text":"Sometimes you gotta take risks to to to get that reward.","start":2452.44,"end":2455.9,"sentiment":"neutral","sentiment_score":-0.03890061310746453},{"text":"It they don't always pay off.","start":2456.92,"end":2458.78,"sentiment":"neutral","sentiment_score":-0.06036179636915525},{"text":"But, you know, at the same time, I do I do have time on my side.","start":2460.12,"end":2464.54,"sentiment":"neutral","sentiment_score":0.1318742511793971},{"text":"Yeah.","start":2466.0652,"end":2466.3052,"sentiment":"neutral","sentiment_score":0.09667795896530151},{"text":"I'm not gonna I'm not gonna leave it.","start":2466.3052,"end":2467.745,"sentiment":"neutral","sentiment_score":-0.12623599357903004}],"sentiment":"neutral","sentiment_score":0.009683345400151751,"num_words":42,"start":2452.44,"end":2467.745},{"sentences":[{"text":"I'm not gonna leave this till I'm 50 and go, well well, I should've done something different here.","start":2467.745,"end":2475.2852,"sentiment":"neutral","sentiment_score":-0.07484692128168212},{"text":"Yes.","start":2501.525,"end":2502.025,"sentiment":"neutral","sentiment_score":-0.030655387789011},{"text":"Yeah.","start":2522.69,"end":2523.19,"sentiment":"neutral","sentiment_score":-0.007534939795732498},{"text":"Yeah.","start":2556.225,"end":2556.465,"sentiment":"neutral","sentiment_score":0.055552855134010315},{"text":"Yeah.","start":2556.465,"end":2556.7852,"sentiment":"neutral","sentiment_score":0.062203191220760345}],"sentiment":"neutral","sentiment_score":-0.05762176655910232,"num_words":22,"start":2467.745,"end":2556.7852},{"sentences":[{"text":"Yeah.","start":2556.7852,"end":2556.945,"sentiment":"neutral","sentiment_score":0.09331342577934264},{"text":"Yeah.","start":2556.945,"end":2557.445,"sentiment":"neutral","sentiment_score":0.16058138012886047},{"text":"Yep.","start":2558.305,"end":2558.705,"sentiment":"neutral","sentiment_score":0.12513934075832367},{"text":"Yep.","start":2558.705,"end":2559.0251,"sentiment":"neutral","sentiment_score":0.1130504161119461},{"text":"That's fine.","start":2559.0251,"end":2559.845,"sentiment":"neutral","sentiment_score":0.3144998401403427}],"sentiment":"neutral","sentiment_score":0.18684737384319305,"num_words":6,"start":2556.7852,"end":2559.845},{"sentences":[{"text":"Yeah.","start":2588.905,"end":2589.405,"sentiment":"neutral","sentiment_score":0.03974027186632157},{"text":"Yep.","start":2591.065,"end":2591.43,"sentiment":"neutral","sentiment_score":0.03798482194542885},{"text":"Yeah.","start":2596.15,"end":2596.39,"sentiment":"neutral","sentiment_score":0.02414662390947342},{"text":"No worries.","start":2596.39,"end":2597.05,"sentiment":"neutral","sentiment_score":-0.011167066171765326},{"text":"It's not fun.","start":2597.51,"end":2598.3298,"sentiment":"negative","sentiment_score":-0.4735854168732961}],"sentiment":"neutral","sentiment_score":-0.1676523331552744,"num_words":8,"start":2588.905,"end":2598.3298},{"sentences":[{"text":"Yeah.","start":2608.585,"end":2608.7449,"sentiment":"neutral","sentiment_score":0.06674440950155258},{"text":"No worries.","start":2608.7449,"end":2609.4048,"sentiment":"neutral","sentiment_score":0.14784856140613556},{"text":"Okay.","start":2612.6648,"end":2613.1648,"sentiment":"neutral","sentiment_score":0.1530060917139053},{"text":"Yep.","start":2623.05,"end":2623.55,"sentiment":"neutral","sentiment_score":0.1229642778635025},{"text":"Yep.","start":2672.915,"end":2673.415,"sentiment":"neutral","sentiment_score":0.21509048342704773}],"sentiment":"neutral","sentiment_score":0.14225039755304655,"num_words":6,"start":2608.585,"end":2673.415},{"sentences":[{"text":"Good.","start":2680.98,"end":2681.3,"sentiment":"positive","sentiment_score":0.4975982904434204},{"text":"No worries.","start":2681.3,"end":2682.04,"sentiment":"positive","sentiment_score":0.34889666736125946},{"text":"Sounds good.","start":2682.1,"end":2682.92,"sentiment":"positive","sentiment_score":0.525691419839859},{"text":"No.","start":2694.375,"end":2694.695,"sentiment":"neutral","sentiment_score":-0.10602527111768724},{"text":"I think I think everything's been fairly well covered off.","start":2694.695,"end":2698.875,"sentiment":"neutral","sentiment_score":-0.07399366796016693}],"sentiment":"neutral","sentiment_score":0.0875507821328938,"num_words":16,"start":2680.98,"end":2698.875},{"sentences":[{"text":"No.","start":2701.175,"end":2701.575,"sentiment":"neutral","sentiment_score":0.08524689078330994},{"text":"I think so.","start":2701.575,"end":2702.475,"sentiment":"neutral","sentiment_score":0.06292707100510597},{"text":"Yeah.","start":2708.9602,"end":2709.28,"sentiment":"neutral","sentiment_score":0.08293180912733078},{"text":"Yeah.","start":2709.28,"end":2709.78,"sentiment":"neutral","sentiment_score":0.07768289744853973},{"text":"Yeah.","start":2710.4802,"end":2710.9802,"sentiment":"neutral","sentiment_score":0.0680716261267662}],"sentiment":"neutral","sentiment_score":0.07181634807160922,"num_words":7,"start":2701.175,"end":2710.9802},{"sentences":[{"text":"See see see it start trending upwards more than, you know, up and then down.","start":2711.12,"end":2716.34,"sentiment":"neutral","sentiment_score":0.07133486668268839},{"text":"Sometimes you look at it, you go, it seems like it's seems like it's taken two steps forward and three steps back, and you go, what's going on?","start":2719.865,"end":2727.245,"sentiment":"neutral","sentiment_score":0.09453113017869848},{"text":"Anyway, yeah.","start":2728.265,"end":2730.59,"sentiment":"neutral","sentiment_score":0.008146388921886683},{"text":"I learned a lot of things.","start":2731.6902,"end":2732.99,"sentiment":"neutral","sentiment_score":0.02444457169622183},{"text":"No worries.","start":2753.155,"end":2753.735,"sentiment":"neutral","sentiment_score":0.3075703829526901}],"sentiment":"neutral","sentiment_score":0.08481123809755411,"num_words":53,"start":2711.12,"end":2753.735},{"sentences":[{"text":"Thank you.","start":2759.7698,"end":2760.3298,"sentiment":"positive","sentiment_score":0.7144506871700287},{"text":"You too.","start":2760.3298,"end":2760.99,"sentiment":"positive","sentiment_score":0.4964713156223297},{"text":"Oh, certainly try.","start":2766.3298,"end":2768.51,"sentiment":"positive","sentiment_score":0.5236481030782064},{"text":"It'll be good.","start":2769.3699,"end":2770.25,"sentiment":"positive","sentiment_score":0.6253912647565206},{"text":"Yeah.","start":2770.25,"end":2770.5698,"sentiment":"positive","sentiment_score":0.4916384816169739}],"sentiment":"positive","sentiment_score":0.5782364173368975,"num_words":11,"start":2759.7698,"end":2770.5698},{"sentences":[{"text":"It will be good.","start":2770.5698,"end":2771.63,"sentiment":"positive","sentiment_score":0.663047656416893},{"text":"Easy done.","start":2773.543,"end":2774.3628,"sentiment":"positive","sentiment_score":0.617272287607193},{"text":"Thanks, Donna.","start":2775.783,"end":2776.6829,"sentiment":"positive","sentiment_score":0.6902349591255188},{"text":"No worries at all.","start":2777.543,"end":2778.3428,"sentiment":"positive","sentiment_score":0.4094018340110779},{"text":"Thank you.","start":2778.3428,"end":2778.9028,"sentiment":"positive","sentiment_score":0.6100412607192993}],"sentiment":"positive","sentiment_score":0.5803496411868504,"num_words":14,"start":2770.5698,"end":2778.9028},{"sentences":[{"text":"See you.","start":2778.9028,"end":2779.6228,"sentiment":"positive","sentiment_score":0.3343806564807892},{"text":"Bye.","start":2779.6228,"end":2780.1228,"sentiment":"neutral","sentiment_score":0.1569809764623642}],"sentiment":"neutral","sentiment_score":0.27524742980798084,"num_words":3,"start":2778.9028,"end":2780.1228}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hey, Adrian. This is Ashley.\n\nChannel 0: Hi, Ashley. This is Dana from OC Financial. How are you this afternoon?\n\nChannel 1: I'm well. Yourself?\n\nChannel 0: Yeah. Good. Thank you. How's your day been so far?\n\nChannel 1: Yeah. It's been okay. It's gone by pretty quickly. I just actually went to phone, started ringing, I looked down like, oh, it's that time already. That happened\n\nChannel 0: All\n\nChannel 1: fast.\n\nChannel 0: good.\n\nChannel 1: It was only 04:30 a minute ago.\n\nChannel 0: Oh, look. I'm the same. I think this is my seventh call for the day, and I'm\n\nChannel 1: Yep.\n\nChannel 0: like, yep. Today has flown by. I think it's crazy.\n\nChannel 1: Yeah.\n\nChannel 0: They're all good. Actually, I had people pinned just to run through your annual review for the for this year. Is now still a good time\n\nChannel 1: Yeah.\n\nChannel 0: there for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nChannel 1: That's fine. Yep.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address that you have\n\nChannel 1: It's Ashley Jones Pain,\n\nChannel 0: on file.\n\nChannel 1: four twenty two August\n\nChannel 0: Mhmm.\n\nChannel 1: 1987. Any address is\n\nChannel 0: Yep.\n\nChannel 1: 9 Frank Street, Brazil 4304.\n\nChannel 0: Beautiful. Thank you so much for that. As part of the annual review, I do normally send through some annual review documents so you can go through them with me. Are you able to access your emails there currently? Or\n\nChannel 1: When was it sent through?\n\nChannel 0: I'm just doing it now.\n\nChannel 1: Oh, okay. Okay.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Let\n\nChannel 0: I'll\n\nChannel 1: me\n\nChannel 0: send it through. There we go. Me it's sent. It should come through from Odoo sign, and I think it comes through from Gaynor or OQ Finance too to make it easier\n\nChannel 1: okay.\n\nChannel 0: as well.\n\nChannel 1: Yep. So I got here a signature request here for financial\n\nChannel 0: Yep.\n\nChannel 1: annual re pack.\n\nChannel 0: Perfect. So if you press that button, it'll take you through so you can review the documents. I am very blunt. I never want you to sign anything you haven't read. So pressing that button just takes you through so you can see each of the documents attached, and I'll take you through each of them.\n\nAnd you're welcome to go back and read them before you sign anything if you\n\nChannel 1: Yeah.\n\nChannel 0: if you\n\nChannel 1: Yeah.\n\nChannel 0: choose to do so.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: No worries at all.\n\nChannel 0: Easy. Now the first document, when it takes you through there, it should show you. I'm just pulling them up, so I had to pull them up after I set them. Beautiful. It should be your summary of superannuation and insurance in there.\n\nCan you see that one?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. So with the one, they're giving you an updated balance. So I had a look back at your balance as of the last annual review. You had about a $191,046.42 there.\n\nSo we're sitting here at $201,002.59 and 22¢ as of the twenty sixth of yesterday's date there. Okay.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: So so when\n\nChannel 0: Under\n\nChannel 1: was the last review? Sorry.\n\nChannel 0: yes. You're right. It was November last year.\n\nChannel 1: Wow. That's that's gone by. No. In no time. So\n\nChannel 0: It\n\nChannel 1: what was\n\nChannel 0: has\n\nChannel 1: it back then? 191.\n\nChannel 0: $191,046.42. Yeah.\n\nChannel 1: Yeah. Its performance hasn't been all that strong this year, has it?\n\nChannel 0: It honestly has, and that's the other thing I sorta wanted to talk to you about. I had a bit of a review of where everything has sort of been for this year. And if you move forward to the next document there, you'll have your performance report there. There has obviously been quite a bit happening within the market this year, so we have seen a bit of volatility out there. But when I sort of went back to review your investors, I can see one here that's sort of holding back, and I wanna kinda go back as part of after the call and do some updated advice for you because I would like to maybe update some of these investments.\n\nAre you looking at that performance report there on the first page?\n\nChannel 1: Yep. Got it right here fine.\n\nChannel 0: Yes. Beautiful. So the top one there, the Ben among Australian equities, that one there is more of an actively managed fund. And, unfortunately, the active manager within the fund has sort of been underperforming quite significantly this year. They had done really well for a certain portion of the year, but then had quite a decent pullback.\n\nAnd that is having quite a significant effect on your super fund at the moment. So I do wanna look at maybe removing that one out of the portfolio. We are not able to do so until we update the advice to reflect. And in order to do that, I do have to reassess your goals there. So that is one of the ones I definitely wanna look at removing for you.\n\nThe other one I'm looking at sort of replacing at the moment is the Fair Next property. So because of, obviously, the changes that have come out from the government late this year after June, July, property has taken a little bit back here. So that\n\nChannel 1: Yep.\n\nChannel 0: is also down about 10% within your portfolio. And whilst that has had some good returns in the past, I think switching those two out for now and looking to replace them with something else might be very beneficial.\n\nChannel 1: Yeah. 100%.\n\nChannel 0: I also am looking at the bank hybrid debt. So whilst we are looking to make some changes to your portfolio, the government is phasing these out down the track by 2028. So, realistically, if I'm gonna make some changes to your portfolio, I'm better off to also look at maybe replacing that with another defensive asset as well. That way, we don't come back down the track and find we have to remove that out at a time where we maybe not be providing any good advice on your portfolio. So\n\nChannel 1: Yeah.\n\nChannel 0: I definitely can see some changes I would like to make then.\n\nChannel 1: Yep.\n\nChannel 0: I also sort of how do you look at try maybe rebalance your portfolio back a little bit as well? I'll go back and readjust the waiting just to make sure that you're rebalanced correctly. Obviously, some investments do grow at higher or faster rates than others, which can\n\nChannel 1: Yeah.\n\nChannel 0: also increase or decrease your risk level and your overall weighting. So readjusting that could also be really important to sort of look at there. But, look, I'm honest, the market's having a bit up and down this year, but all in all the Australian and US markets are actually showing some good performance of late. And so for these two investments to definitely be down there, they are holding your portfolio back this year. So I did wanna come into the call and be honest and open and let you know I've seen this happen, and I do wanna do some make some replacements there for you if you're\n\nChannel 1: Yep.\n\nChannel 0: comfortable\n\nChannel 1: Sure.\n\nChannel 0: with me doing that.\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah. Excellent. All good. Other than\n\nChannel 1: fine.\n\nChannel 0: that, though, the other investments are working really, really nicely. You've got some core composite bonds in there. They are defensive in nature. They are showing a positive result for the year, albeit it is a lower positive result. Core composite bonds and fixed can have a negative effect when inflation is high, and we have had some very high inflation, miss Kitty.\n\nSorry. We've also got the S and P 500, which is the second from the bottom. That's giving\n\nChannel 1: Yep.\n\nChannel 0: you exposure into the top 500 companies in The US there. That is up over all 9.03%. So while that is a bit on the low side for that kind of investment with the ups and downs that has been occurring in the market, the volatility there, we have sort of, as of kind of June this year, seen a bit more of a I wouldn't say it's crazy steady, but it has been a lot steadier in the markets than it was around the April, March, and April kind of\n\nChannel 1: Yeah.\n\nChannel 0: period there. So we have seen it evening out, and that is actually showing a positive result. The other one that's really good to look at is the keywords. That's the fourth one from the top. That is the beta shares Rafi, so giving you exposure to the Australian market.\n\nThat was performed by 15.49% in your portfolio, So that is really nice. It's kind of an indicator I look at that we do sort of look at where Bennelong I mean, Australian equities are still technically doing quite well.\n\nChannel 1: Yep.\n\nChannel 0: So the fact that Bennelong isn't performing well when it is giving you Australian equity exposure, so it shows it's something within the the fund itself and not so much around the market.\n\nChannel 1: Yeah.\n\nChannel 0: That's why moving it will be a good thing. But,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, the beta shares Rafi Australia equities has done very nicely as well. A battery and lithium tech is up over 36% within your portfolio. And physical gold, we saw a pretty heavy dip around about 80% back in February.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: But since then, we have had a bit of a steady recovery point from that.\n\nChannel 1: Gold's\n\nChannel 0: So\n\nChannel 1: a\n\nChannel 0: that\n\nChannel 1: gold's\n\nChannel 0: is still\n\nChannel 1: a tough one. It can it can have have a fair fair few fluctuations in it.\n\nChannel 0: absolutely. Absolutely.\n\nChannel 1: But, yeah, in\n\nChannel 0: I know.\n\nChannel 1: a long in\n\nChannel 0: Still\n\nChannel 1: a long\n\nChannel 0: was,\n\nChannel 1: term, it seems to be fairly fairly\n\nChannel 0: yeah,\n\nChannel 1: fairly reliable.\n\nChannel 0: absolutely. And I still was still seeing a little bit of a dip there. It was sort of pretty heavily affected with inflationary pressures, and it's still kind of trying to come out of that slump. So\n\nChannel 1: Yeah.\n\nChannel 0: I'm really happy with the gold and what that's done in your portfolio there. But, yeah, those other couple, I definitely wanna look at replacing for you. Your portfolio as a whole, if you look at the next page, it does sort of show here that the earnings as a dollar figure in the last twelve months there. So all of your income cost growth there is about $14,616.13, which as a net return after fee, it shows about 5.70%. So it is much on the lower side than where I would like it to be, and I definitely wanna update the advice to kind of see if we can make it work a little bit harder there for you as well.\n\nOkay. Excellent. The thing that I sort of wanted to touch base on with you to sort of look at how to update your portfolio, because I've got a few different options in mind to sort of readapt it for you. With the Benelux Australian Equities, as I mentioned, that is more of an actively managed fund. So depending on your preference, I mean, having a look at things, as of this month, you're 39.\n\nYep. Don't feel bad. I'm older than you. It's fine. I'm in my forties.\n\nYou're you're still young.\n\nChannel 1: Thanks. You don't\n\nChannel 0: Is that thank you. A lot of people tell me that, and I'm like, really?\n\nChannel 1: sound it.\n\nChannel 0: No. Thank you. With the spend along Australian equities, it is more of an actively managed fund. And given that you can't access super until the age of 60, that's the earliest point of this time frame. You've got that twenty one years before accessing there.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: can, depending\n\nChannel 1: Mhmm.\n\nChannel 0: on your preference, replace that with maybe another active manager. Active managers within those firms are trying to outperform against the market. You often do pay a little bit more in management fees to kind of have that in your portfolio. Otherwise, I can look at swapping that out with something a little bit more low cost, maybe more to passively manage ETF fund that is tracking the market, which over the long term can actually outperform and do better than these active managers. What sort of your preference?\n\nWhat would you like me to look at when I'm looking at portfolios for you?\n\nChannel 1: Yeah. I think I think something that's it's look, it's all it's all a gamble, isn't it? But, you know, I think something that's probably gonna cost you cost you less\n\nChannel 0: Yep.\n\nChannel 1: to to to manage or maintain is probably gonna\n\nChannel 0: Yep.\n\nChannel 1: is probably gonna be beneficial.\n\nChannel 0: Absolutely.\n\nChannel 1: But, you know, it's one of those things you just don't know what the outcome's gonna be. It is it is a\n\nChannel 0: Yeah.\n\nChannel 1: gamble.\n\nChannel 0: It it is there always is, and that's why it's good to kinda review the portfolios and update them on a regular basis. I mean, when we sort of look at things last year, I know your portfolio performance last year was really good. You were at a really good starting point, but then no one could have guessed what we went through this year.\n\nChannel 1: Yeah.\n\nChannel 0: I mean,\n\nChannel 1: Yeah.\n\nChannel 0: back in 2020, no one would have thought we were going through COVID in that time either. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: we never really know what's gonna happen. But one of the things I do like to make sure we are doing is that we are investing in portfolios that have withstood those downtime.\n\nChannel 1: Yep.\n\nChannel 0: There's nothing in there that sort of hasn't been around for longer than five to ten years, and investors that have been been through the downtime, wither the storm, and come back to recover because it shows stability. It shows that they have the longevity, and that they do this kind of environment where there is volatility around. So that's one of the things I do definitely like to look for. But if you're wanting that low cost aspect, there's a couple of different options that I'm looking to replace things with, and I can go back and review that for you. I can also review all the other investments if I find there's, you know, a newer portfolio that might be providing greater growth, as well as maybe lower cost fees and things like that.\n\nI can absolutely, if you're comfortable with it, recommend it and show\n\nChannel 1: K.\n\nChannel 0: you what that looks like whenever we do update the portfolio. I do put it into an advice document, so we'll come back and look at that together. I'll go through the recommendations, the changes that I wanna make for you. You'll\n\nChannel 1: Yep.\n\nChannel 0: get to see the advantages, the disadvantages, the risks involved, and then take that away and decide what you're comfortable taking on board. Does that sound okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Beautiful. Fantastic. On the page beforehand, we will also have your insurance as noted down there. Now your life cover at the moment you've got with one pass gives you a current sum insured of 1,102,500.\n\nI'm thinking about the level of life cover you have there, and if you were to then pass away today, your super benefit is also paid\n\nChannel 1: Yep.\n\nChannel 0: out on top of that. Do you still feel pretty happy with the level of life cover? Did you wanna kinda review that at all?\n\nChannel 1: No. I think it's more than adequate. Realistically, we\n\nChannel 0: Yes.\n\nChannel 1: give when you when you take into consideration the level of debt that I carry, it's more than adequate.\n\nChannel 0: Yeah. Absolutely. Mortgage wise, I've got you down here as owing about 360,000 on the home still. Is that correct, or is that reduced a bit?\n\nChannel 1: No. Yeah. That's that's come down. So I think the actual the actual figure is something I think around about $333.35, somewhere in that\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: region. But there's also, like, a 100 and $106,000 in an offset account against it.\n\nChannel 0: That's $3.35. 106,000 again. So beautiful. So is that $3.35 after you subtract the 106,000,\n\nChannel 1: Yeah.\n\nChannel 0: or will\n\nChannel 1: No.\n\nChannel 0: that come\n\nChannel 1: It's\n\nChannel 0: off\n\nChannel 1: before.\n\nChannel 0: that $1.30\n\nChannel 1: It's\n\nChannel 0: 5\n\nChannel 1: before. So\n\nChannel 0: before?\n\nChannel 1: realistically, the the negative\n\nChannel 0: Yeah.\n\nChannel 1: equity part is just under 200 k.\n\nChannel 0: Yeah. No. That's perfect. Done really well. Excellent.\n\nYou're definitely a lot more in front of your home loan than a lot of other people are to your age, so\n\nChannel 1: Well,\n\nChannel 0: that's\n\nChannel 1: you know,\n\nChannel 0: awesome.\n\nChannel 1: I had the benefit of having a fairly small home on as well.\n\nChannel 0: Yeah. Yeah. Understand that. Yeah. Understand that.\n\nI think I bought my place back about fifteen years ago for 250,000. You can't pay for 250,000 anymore.\n\nChannel 1: What if that's what's that? Fifty years ago. Two\n\nChannel 0: That's\n\nChannel 1: 100\n\nChannel 0: an\n\nChannel 1: 50.\n\nChannel 0: yeah. Ranchweed Head. So just South of the Gold Coast. Very\n\nChannel 1: Oh, no.\n\nChannel 0: lucky.\n\nChannel 1: That's\n\nChannel 0: I've\n\nChannel 1: that's\n\nChannel 0: only\n\nChannel 1: part\n\nChannel 0: got\n\nChannel 1: of the\n\nChannel 0: a very\n\nChannel 1: world.\n\nChannel 0: small house, but, yeah,\n\nChannel 1: Mhmm.\n\nChannel 0: I was very lucky to get that property. It's pretty rundown. There's been a lot of work that goes into it.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: But yeah. Yeah. I understand where you're coming from. Having a small mortgage is definitely a benefit to it. In saying that my mortgage is\n\nChannel 1: Yeah.\n\nChannel 0: saying that my mortgage is no longer that small. I have an investment property now as well that my kids live in.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: my debt level's well and truly a lot higher. But no. That's fantastic. You've done really, really well. That's awesome.\n\nAre you sort of looking to buy additional property and and, you know, have an investment property down the track, or are you not really worried?\n\nChannel 1: No. Not not to be honest with you, I'd be more inclined to invest in a business or something like that.\n\nChannel 0: Yep. That's absolutely fine. Perfect. Not everyone wants investment properties, and that's absolutely okay. I know with the latest changes in legislation, it does make things a little bit harder for people who want to invest in property, especially moving forward.\n\nChannel 1: Yes. Yeah. Yeah.\n\nChannel 0: All good. With the the main primary residence, the value we have was about 740,000. What sort of value would you put on that now, do you think?\n\nChannel 1: Yeah. I think the last review was sort of somewhere around about that $8.40 mark.\n\nChannel 0: Perfect. Excellent. And so the other part of insurance that you do have here is your TBD, so total permanent disability cover.\n\nChannel 1: Yep.\n\nChannel 0: Do you understand how TBD works, how it is paid, and all the bits and pieces around total permanent disability cover?\n\nChannel 1: Look, I get the principle of it. I don't really know how it's\n\nChannel 0: Yeah.\n\nChannel 1: paid out. I I don't imagine that it's a lump sum, but no. Can you enlighten me?\n\nChannel 0: Absolutely. Definitely. So with TPD, total permanent capacity or total permanent disability cover, in the event of a successful claim. If you are 60, one of those little known facts is that it is unfortunately taxed. If you do take it as a lump sum, essentially, the government taxes up to 22%\n\nChannel 1: Yeah.\n\nChannel 0: of that money, which\n\nChannel 1: Yeah.\n\nChannel 0: is kind\n\nChannel 1: Yeah.\n\nChannel 0: of terrible when you think about your level of cover because you've got the same level of CBD as your life. So just\n\nChannel 1: Yeah.\n\nChannel 0: over 1,102,000 there. There are there's a fun little math equation that they do. They essentially assess your age at time of claim and the age of 65 because that's the the age that all the funds in your system become un preserved, unrestricted without you having to retire.\n\nChannel 1: Yep.\n\nChannel 0: And they work out essentially they have a fun little equation to work out what the tax is. It is up to 22%, so it could definitely be worse. If you ever did have to claim on that money, we would then provide advice on how to structure, what to do with. There are some things that we can do to help kind of reduce or minimize the tax consequences.\n\nChannel 1: Yep.\n\nChannel 0: You can essentially take it as a lump sum for all the money at once, or you can take it as, like, a disability pension where you keep most of it invested and then just draw small amount on a regular\n\nChannel 1: Yeah.\n\nChannel 0: basis. So there are definitely with things that can be done, but I did like to make sure that that is a factor that is known because it is very little known. Unfortunately, I have come across clients in the past where they've unfortunately become TBD, and they've tried to take all the money out. And they've realized they've lost a couple of $100,000 due to taxation, and it hasn't\n\nChannel 1: Yeah.\n\nChannel 0: quite funded what they thought it was gonna fund. So\n\nChannel 1: Yeah. Yeah. Yeah. And,\n\nChannel 0: just\n\nChannel 1: actually,\n\nChannel 0: like to\n\nChannel 1: with with with something like that as well, the the the cost of maintaining life is generally a whole lot higher as well.\n\nChannel 0: mhmm. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely. Yeah. Definitely. The other thing you do have there is your income protection policy. So you do have just a monthly benefit currently of 6,200 in the event that you're unable to go to work in the shorter term there.\n\nIncome wise, we had you on about a 100,000 last year. Are you on a bit more is that a\n\nChannel 1: It's\n\nChannel 0: pay rise then?\n\nChannel 1: gone up a little bit. Yeah. It's up now a 110.\n\nChannel 0: Okay. Beautiful. So if we look at that, now you can be covered for up to 70% of your pretax or gross income there. So looking at a 110,000. That essentially means that you would roughly need to be insured for about $6,416 on a monthly basis.\n\nSo you are just slightly underinsured there.\n\nChannel 1: Yep.\n\nChannel 0: Realistically,\n\nChannel 1: I\n\nChannel 0: ma'am, these sorry. You're right?\n\nChannel 1: was gonna say, the other question I should probably factor into that equation as well is that\n\nChannel 0: Yes.\n\nChannel 1: that figure is not including benefits such as company vehicles or things like that. Should that\n\nChannel 0: Okay.\n\nChannel 1: be factored in?\n\nChannel 0: Well, what they're gonna do is they're gonna ask your pay for the time of claim,\n\nChannel 1: Yeah.\n\nChannel 0: and they're going to then assess you on your gross pay and your net take home pay and work\n\nChannel 1: Yeah.\n\nChannel 0: out what you're eligible to cover to cover the cost of expenses. So they're probably gonna subtract off anything for company cars and things\n\nChannel 1: Yeah.\n\nChannel 0: like that as well\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: just because, you know, insurance companies wanna minimize the amount they have to pay out. That's kind of their deal.\n\nChannel 1: No. That is fair enough. That's fair enough. No. No.\n\nThat's fine. So how how it's how it's currently structured,\n\nChannel 0: Yep.\n\nChannel 1: albeit on the on the low side is is\n\nChannel 0: Yep.\n\nChannel 1: correct. So it just need I suppose it just needs to be bumped up to a hundred and ten month.\n\nChannel 0: Yep. That's okay. Perfect. So with with your monthly benefit amount, essentially, there with you being just it's, like, $200 a month off being 70% of your income. These policies do go through renewal on a regular basis every year as well, and they do increase slightly along with CCI there as well.\n\nDid\n\nChannel 1: Yeah.\n\nChannel 0: you wanna look at increasing your income protection benefit after, or did you wanna just let it go through renewal and slowly increase towards what you need it to be?\n\nChannel 1: If we if we I don't know. I mean, I'm not I'm not planning on becoming unemployed\n\nChannel 0: Yeah.\n\nChannel 1: be because of these reasons, but you never you never can plan for it. I've no. Just leave it the way it is, and we'll just let it naturally naturally increase.\n\nChannel 0: Yep. That's okay. No worries. I'm just having a look at what it was last year. So last year in November, you had the monthly benefit of 5,973.\n\nChannel 1: Yeah.\n\nChannel 0: So,\n\nChannel 1: Yeah.\n\nChannel 0: realistically, it made it went through renewal, and it increased by about $227, so\n\nChannel 1: Yep.\n\nChannel 0: on a monthly basis. So if it was the when it goes through renewal, if it kind of if they assess it and increase it along with that mark, then you'll basically be sitting at that 70% mark anyway.\n\nChannel 1: Yep.\n\nChannel 0: One of the benefits of doing it that way is that by not by allowing it to increase as it goes through renewal, there's no additional underwriting there. Whereas\n\nChannel 1: Yep.\n\nChannel 0: if we increase the application and do it manually, they'll go back and underwrite it. So it could be more expensive depending on your health and changes. There could be additional loading to exclusion. So doing it the other way, honestly, could work\n\nChannel 1: Yeah.\n\nChannel 0: out quite fine. And when it\n\nChannel 1: Yeah.\n\nChannel 0: comes up to renewal time, I'll go back and double check it anyway just to see. It looks like it is not long has renewed. So July, it should renew again. And if you feel like you need to kind of bump it up in the meantime, you're welcome to let me know there. Okay.\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Fantastic. Now you don't have any additional kind of insurances like trauma. Has anyone kind of brought those up with you? Did you wanna look at anything additional personal personal insurance wise? Are you just happy with what you've got?\n\nChannel 1: No. I think it would have got spawned.\n\nChannel 0: Yep. Absolutely fine. And I'll just increase your income on here. So we're sitting at about 110,000 there. Fantastic.\n\nAre you finding that you're able to put much the way of savings away on a regular basis, or is everything kinda going into the offset account, the home loan, and reducing\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: As as as much as as much as we can.\n\nChannel 0: Mhmm.\n\nChannel 1: I mean, it's you can see it's been a little bit more challenging than usual. We've we've had an additional family member come\n\nChannel 0: Yep.\n\nChannel 1: along.\n\nChannel 0: Yep.\n\nChannel 1: So, you know, my wife is off to the next off off until March or April, something like that\n\nChannel 0: Yep.\n\nChannel 1: on parental\n\nChannel 0: Yep.\n\nChannel 1: leave.\n\nChannel 0: Yep.\n\nChannel 1: So, you know, we're we're we're working it on a a one plus a very, very reduced income. So,\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: Yep.\n\nChannel 1: being able to put being able to put savings aside sometimes is a little bit little bit of a stretch stretch for the the weekly budget. But yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I'd say\n\nChannel 0: No. That's the same.\n\nChannel 1: 8085% of the time, we are regularly\n\nChannel 0: Okay. Beautiful. If you\n\nChannel 1: saving.\n\nChannel 0: had to quantify that savings, how much do you think you're sort of putting away on a regular basis?\n\nChannel 1: Generally speaking, it's it's in the region of $600 a week.\n\nChannel 0: Okay. Beautiful. Excellent. And so looking at because you're on one income at the moment, and congratulations on the new baby. That's very exciting.\n\nChannel 1: Like, it's very stressful too.\n\nChannel 0: Yes. I understand that. With with that sort of your focus on paying down the mortgage, we'd look at maybe if you wanted to additional contributions and things like that down the track. Does that sound about right?\n\nChannel 1: Yeah. Look. There's there's definitely a part of me that wants to get rid of that mortgage, you know, sooner rather than later. But I am caught in a quandary where my wife also wants to do renovations for the house, which are quite extensive.\n\nChannel 0: Yep.\n\nChannel 1: And those will be about one and a half times what my current mortgage value is\n\nChannel 0: Wow.\n\nChannel 1: in\n\nChannel 0: She's\n\nChannel 1: terms of\n\nChannel 0: got\n\nChannel 1: cost.\n\nChannel 0: some real plans.\n\nChannel 1: Yeah. That it'll turn into a to change from a three bedroom, one bathroom, you know, a house on a 840 square block to that that's about a 110 square meters to to\n\nChannel 0: Yep.\n\nChannel 1: something that's about 400 square meters plus outdoor entertaining areas and yeah. I just look at it and go, this is going to slow me down from retirement.\n\nChannel 0: She's got some good plans.\n\nChannel 1: Quite happy for the house just to stay the way it is.\n\nChannel 0: Oh, oh, good. All good. Well, we can always look at additional contributions and things down the track. We'll let you sort of sort the the house out first,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: then you can\n\nChannel 1: Yeah.\n\nChannel 0: let me know whether this you're comfortable with that. That's not a problem at all, and\n\nChannel 1: Yeah.\n\nChannel 0: good luck with the renovations. That's a tough job. Been doing that for the last ten years.\n\nChannel 1: No. No. No. It's not fun.\n\nChannel 0: No. No. Understandable. Other assets on here I had down is your Land Cruiser. We have a valuation that last year around about 45,000.\n\nWould you drop that slightly or keep it around about the same?\n\nChannel 1: I think the insurance renewal passed through for the 5 figure this year.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Excellent. And a camper trailer, do you still have that one there as well?\n\nChannel 1: Certainly do.\n\nChannel 0: Beautiful. Hopefully, you get out of it in the in the future. It'd\n\nChannel 1: About\n\nChannel 0: be nice.\n\nChannel 1: to take\n\nChannel 0: Camping?\n\nChannel 1: it about to take it away next month for three weeks.\n\nChannel 0: Oh, fantastic. Fantastic. That'll be fantastic. Enjoy that. Whereabouts are you heading to?\n\nChannel 1: Yeah. We're heading south. We're going going to Victoria via the Newell Highway. We're gonna, you know, take the girls to the Dubbo Zoo, and then we'll go\n\nChannel 0: Oh, beautiful.\n\nChannel 1: further down to Victoria and see see some family. But\n\nChannel 0: Yep.\n\nChannel 1: Grandfather's just turned 88 or something like that, but, you know, I'm trying to get down there with the kids so so you can see them. And then\n\nChannel 0: Yep.\n\nChannel 1: we'll\n\nChannel 0: Absolutely.\n\nChannel 1: do the coast road back to back\n\nChannel 0: That'll\n\nChannel 1: to\n\nChannel 0: be\n\nChannel 1: Single Bay.\n\nChannel 0: oh, that'll be fantastic. I hope you have an amazing time. Well\n\nChannel 1: Thank\n\nChannel 0: worth\n\nChannel 1: you.\n\nChannel 0: those memories. Value on the camera I have was about 15,000. Would you alter or change that value while keeping fairly much the same?\n\nChannel 1: Yeah. It's about the same.\n\nChannel 0: Yep. Beautiful. And any other assets or liabilities I should sort of note down here?\n\nChannel 1: No more liabilities. I don't think there's any more assets either.\n\nChannel 0: Yep. That's okay. All good. Just checking your state planning as well. So I've got your beneficiary nominations noted down here.\n\nSo in the event of passing, a 100% of your super and life proceeds are to be paid out to Priscilla. Is that still correct? Happy with the way that's structured?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And have I've got down here that you don't have a will or power of attorney in place. Is that something\n\nChannel 1: No.\n\nChannel 0: that you just discussed\n\nChannel 1: I'm very bad.\n\nChannel 0: about setting\n\nChannel 1: Still\n\nChannel 0: up?\n\nChannel 1: bad. Yeah. Now I need to. It's one of those\n\nChannel 0: Yeah.\n\nChannel 1: things.\n\nChannel 0: That's okay. It is. It is. Seeing as losing having that done, especially having kids is really important. They can also incorporate guardianships and things like that.\n\nChannel 1: Yeah.\n\nChannel 0: So you're sort of protecting all your assets, noting who you want to act on your behalf if you're not able to with your power of attorney, and then structuring guardianship to know that if something happens to the two of you, that someone has direction on who you want to look after your kids, what you want them to do, and how you want everything to be structured for them. So\n\nChannel 1: Okay.\n\nChannel 0: it can be a bit of a cost to do that, but it is well worth doing.\n\nChannel 1: Yep.\n\nChannel 0: Unfortunately, statistics show that in Australia, about seventy percent of people do pass away intestate with no will and, you know, no direction on what happened. So it does mean that when that occurs that the court system is pretty well overwhelmed with probate cases\n\nChannel 1: Yeah.\n\nChannel 0: that can take a long time to have those settled. It also means that people can come out from your past and state a claim, which can make the process even harder as it has to be sort of looked at by a judge. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: not preferable. But, yeah, we'll we'll just keep, you know, touch base on that one. And, yeah, if you get time to go and see a local solicitor and do offer will, you can also so you guys\n\nChannel 1: Yeah.\n\nChannel 0: are in Queensland. You can also buy the, like, Queensland trust fees if you Google them.\n\nChannel 1: Yeah.\n\nChannel 0: They can also do wills and power of attorneys via online and over the phone and things like that as well for you.\n\nChannel 1: Okay.\n\nChannel 0: It can also be cheaper to do it that way if it's more convenient. So if you just sort of look up the Queensland trustee, that can also be another way of doing up a simple wheel kit and putting things in place without having to, you know, go and see a solicitor and sit in their office for a few hours.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. No\n\nChannel 0: Oh,\n\nChannel 1: worries.\n\nChannel 0: good. Beautiful. The only other thing to sort of check on here is additional goals that we've got down here. There's a renovations and the paying and more down as quickly as possible. I had down here a time that you're sort of hoping to retire at eight sixty or thereabouts.\n\nIs that still sort of your goal? Is\n\nChannel 1: Well,\n\nChannel 0: that what we're hoping to track towards?\n\nChannel 1: the the goal is is to be in a financial position to be able to do that. Not necessarily\n\nChannel 0: Yep.\n\nChannel 1: retire at 60, but, you know, have that\n\nChannel 0: Yep.\n\nChannel 1: choice there.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. You know, at the moment, I'm really enjoying what I do, and there's a good chance\n\nChannel 0: Beautiful.\n\nChannel 1: that I might wanna go go on, but on that that\n\nChannel 0: Yes.\n\nChannel 1: but I yeah. But, yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: no. They're that's that's probably the\n\nChannel 0: Yep.\n\nChannel 1: number one goal, really.\n\nChannel 0: Yep. Beautiful. I like it. Excellent. I've also got down here that in, hopefully, retirement or before retirement, you'd love to do a global trip and maybe go to The US and Europe.\n\nIs that still on the card for a goal?\n\nChannel 1: Yeah. It's something I look at every day.\n\nChannel 0: That'd be nice.\n\nChannel 1: It it would be fantastic.\n\nChannel 0: Yep. No. That's all good. I can leave that on there as a bit of a future goal there for you.\n\nChannel 1: Yep.\n\nChannel 0: If not, I mean, look, when you retire and you do wanna take that trip, you might be able to then. That sounds like it would be a good trip to take\n\nChannel 1: There\n\nChannel 0: with no kids.\n\nChannel 1: I mean, ideally, it'd be it'd be nice to be able to do it before a time because sometimes when\n\nChannel 0: Mhmm.\n\nChannel 1: you get to retirement, you don't necessarily have your health, though. Traveling like that is\n\nChannel 0: Yes.\n\nChannel 1: difficult when you're unwell.\n\nChannel 0: Absolutely. Definitely. Is there any other goals that you're sort of looking to achieve down the track that we might need to note down there for you as well?\n\nChannel 1: Nothing. No. Nothing really at the moment. I mean,\n\nChannel 0: Mhmm.\n\nChannel 1: there is there's something in I'm trying to work out right now, but it's as I said to you before, I'd be more inclined to invest in business.\n\nChannel 0: Yes.\n\nChannel 1: Currently in discussions with the business owner of the company that I work for. We're trying to work\n\nChannel 0: Oh,\n\nChannel 1: out\n\nChannel 0: no.\n\nChannel 1: some sort of acquisition plan, but\n\nChannel 0: Yep.\n\nChannel 1: so that that's a goal, but that one could be a tough one to a tough one to navigate.\n\nChannel 0: Yeah. No. Definitely. If you were to sort of buy this like, a business and sort of build that over the time, would that be something you would maybe wanna sell off when you get to retirement, or do you think you'd like to have that work in the background and have employees doing the job for you so you're still earning some income from that business as well as maybe supplementing some super as\n\nChannel 1: Yeah. Yeah. It's it's probably\n\nChannel 0: well. Mhmm.\n\nChannel 1: something that you'd wanna try and keep going as a as a operating interest or\n\nChannel 0: Yep.\n\nChannel 1: it just depends, I suppose, on what what the industry does in twenty years time as well.\n\nChannel 0: Yeah. Yeah. Definitely. And\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: The landscape\n\nChannel 0: looking further,\n\nChannel 1: is completely\n\nChannel 0: if it's working\n\nChannel 1: changed.\n\nChannel 0: really well, you could yeah. Yeah. Definitely. And, like, if it's working really well, you could keep it working longer. Maybe one of the kids wanna jump into it or you keep it as an estate planning thing and sort of hand it down to them later on.\n\nChannel 1: Yeah.\n\nChannel 0: There's always\n\nChannel 1: Yeah.\n\nChannel 0: those sorts of options as well down the track. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Perfect. Excellent. And with your risk profile, so at the moment, you are in that kind of growth environment there when we think about this sort of risk well, the risk you are taking. And we consider it out of a number between one and five, so five being all invested in equity markets, whereas one being all sitting in cash,\n\nChannel 1: Yep.\n\nChannel 0: your growth kind of profile is sitting at about a three there. It generally sees about 80% of the super invested in growth assets, so we're looking at Australian international shares with this property and commodities like gold and silver, and then the other sort of 20% in low risk defensive investments like cash, bonds, and fixed interest there. This\n\nChannel 1: Yep.\n\nChannel 0: sort of when we look at a risk profile return should be able to receive about seven to 9% on a yearly basis compounding that forward towards retirement.\n\nChannel 1: Yep.\n\nChannel 0: And because we understand that markets do have volatility and there is risk involved, the expected volatility of this kind of environment means that when the markets are really well, we can sort of see up to 11% higher than that 9% or on a bad year where the markets are down, anywhere to 11% below that 7% there as a bit of a dip.\n\nChannel 1: Yeah.\n\nChannel 0: The likelihood of a negative return occurring is around about one in every sort five years. And\n\nChannel 1: Yeah.\n\nChannel 0: we this sort of portfolio suits someone who has at least six years there. You've got more than double this ahead of you before accessing those funds there.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Do you feel like that's fairly comfortable? Did you wanna look at maybe reviewing your risk profile, or are you happy just to stay in that kind of environment longer, and I can assess based on the growth portfolio? How do you sort of feel about that?\n\nChannel 1: I mean, based on what's currently there at the moment and, like, do we have any sort of or do you have any sort of tools that would go, okay. Well, based on what's currently there and what's,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, the average annual growth rate, by this point in time, we'll have this much. Did you have a means of of\n\nChannel 0: Yep.\n\nChannel 1: of looking at that and then going, okay.\n\nChannel 0: Yeah.\n\nChannel 1: Well, based on that, we need to look at moving moving to\n\nChannel 0: Mhmm.\n\nChannel 1: this or to that or whatever.\n\nChannel 0: Yeah. Absolutely. I do. I do a lot of that in the back end sort of when I'm reviewing the advice side of things.\n\nChannel 1: Yep.\n\nChannel 0: So when I update the advice as part of the recommendations, I will only project out to yourself by five to ten years. But in the back end, I do go back and sort of have that twenty one year projected outcome to see what we're tracking for, how this looks. And in the back end, I use more of a conservative rate of return to say, well, this is what the portfolio has been achieving, and this is what's projected for you over the next five to ten years.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But as a worst case scenario, based on the risk profiling, this is where we could end up as a projected outcome. So I\n\nChannel 1: Yeah.\n\nChannel 0: do do all that kind of reset as part of things, but in the advice, I don't project more than five to ten years because your life could change very heavily in that time frame.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And, I mean, projecting twenty one years, the future could give you a $5,000,000 return depending on the returns that the portfolios receive, and and they'll wanna\n\nChannel 1: Yeah.\n\nChannel 0: kind of be too project out that far to give you that kind of return because it's not realistic.\n\nChannel 1: Yeah.\n\nChannel 0: Markets\n\nChannel 1: No.\n\nChannel 0: go\n\nChannel 1: That's\n\nChannel 0: up and down and yeah. Sorry.\n\nChannel 1: Fair fair fair comment. Fair yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I suppose I think, you know, I'm as a I'm fairly a risk averse person, but at the same time, I say I say I'm a risk averse, but probably not. The I would be, ultimately, I want it to be able to to grow as much as possible. So, I mean, if that\n\nChannel 0: Yep.\n\nChannel 1: means that I have to move it into more volatile investment categories or brackets,\n\nChannel 0: Mhmm.\n\nChannel 1: whatever, to to get it to maybe kick in the ass and get it get it going a bit more.\n\nChannel 0: Yep.\n\nChannel 1: I'm willing\n\nChannel 0: Yep.\n\nChannel 1: to do that. And I fully understand that that that also,\n\nChannel 0: Yeah.\n\nChannel 1: you know, will expose me to more potential negative growth along with\n\nChannel 0: Yes.\n\nChannel 1: but yeah. Ultimately, I think when when I first I can't remember his name now. But when I when I first spoke to\n\nChannel 0: Mhmm.\n\nChannel 1: the consultant when I first onboarded, I think I was the the the the magic number was\n\nChannel 0: Yes.\n\nChannel 1: to have somewhere right about 1 to 2,000,000 in super for retirement. I suppose coming back to my original question is is based on what it's currently doing and what's there and given the obviously, the very long time frame,\n\nChannel 0: Yeah.\n\nChannel 1: is it is it likely to get there? I'm having my\n\nChannel 0: Yep.\n\nChannel 1: doubts, I must admit. But\n\nChannel 0: That's okay. Did you want me to look at the growth environment and see what that does and how that looks over the next five to ten years for yourself? I can project in the back end to see where we're sort of tracking for,\n\nChannel 1: yeah.\n\nChannel 0: and maybe if that's not gonna work, if we maybe need to bump up the risk a little bit, we absolutely can.\n\nChannel 1: Yeah.\n\nChannel 0: The the other side of it is I mean, sort of talking to you, you are probably in that right sort of range. It sort of feels like there's a little bit of nervousness to take on more risk in the market. And, look, honestly, that's okay. For someone your age and even my age, being in that growth or high growth environment is pretty normal. There's about a 10% difference between the two.\n\nBut sitting in this growth environment, you can still receive really fantastic returns. You know, we\n\nChannel 1: Yep.\n\nChannel 0: might receive a 20% one year, a 10% the next, a 2% the next year, and then back up to a 14% the following year. And there's absolutely nothing wrong with that. And as we get closer to accessing super, as your life changes, we start to pull back on the risk level, but we can also then increase contributions\n\nChannel 1: Yep.\n\nChannel 0: in. And there's also the possibility of wage increases along the way, so that\n\nChannel 1: Yeah.\n\nChannel 0: means that contributions could increase as well. That can provide additional growth. And when we kinda get our balance up to that sort of $2,200 to $2.50 mark, then it kinda helps the compounding effect. Like, if you think about a 5% return on someone with $50,000 in super, that's essentially sitting there. They're getting a $2,500 return.\n\nThe same 5% return for someone with $500,000 in super is 25,000. So that same level\n\nChannel 1: Yeah.\n\nChannel 0: of return compounds and grows even more. So we\n\nChannel 1: Yep.\n\nChannel 0: kind of slug it out for the first, you know, 40 odd to where, like, forty, forty five realistically to get our super balance up that high. It\n\nChannel 1: Yeah.\n\nChannel 0: feels\n\nChannel 1: Yeah.\n\nChannel 0: like a better sense to be a lifetime away.\n\nChannel 1: Yeah.\n\nChannel 0: And then once it gets that $2.50 2, $2.50, $300,000 mark, then the compounding effect really jumps in, and you sort of see those changes occur a lot easier and a lot faster.\n\nChannel 1: Yeah.\n\nChannel 0: Did you did you probably just look at the growth portfolio to start with? We can look at that for maybe this year. Just get your super working a bit harder, replace some of those underlying investments that are underperforming a little bit,\n\nChannel 1: Yeah.\n\nChannel 0: and then\n\nChannel 1: Sure.\n\nChannel 0: we maybe come back in six months' time, see how that's working, and then we maybe adjust the risk level if you feel more comfortable. Does that feel like a comfort level for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's all good. You're still very young, so we can always adjust the risk level as you definitely need to. I just don't want you to feel like you have to jump the risk level up if you don't you know, if you're really not comfortable to do so.\n\nChannel 1: No. I\n\nChannel 0: And\n\nChannel 1: mean,\n\nChannel 0: I mean yeah.\n\nChannel 1: I understand.\n\nChannel 0: You're right.\n\nChannel 1: Sometimes you gotta take risks to to to get that reward. It they don't always pay off. But, you know, at the same time, I do I do have time on my side.\n\nChannel 0: You do. Yeah.\n\nChannel 1: Yeah. I'm not gonna I'm not gonna leave it. I'm not gonna leave this till I'm 50 and go, well well, I should've done something different here.\n\nChannel 0: Yeah. And, look, you're you're definitely gonna be in a lot greater position than a lot of my current clients. I do have a lot of the older clients on Outlook who are retiring a lot earlier. And because super wasn't a factor for them, we're pretty lucky that super was, you know, a factor when we first started working with being gaining it and compounding it a little bit longer. So we are gonna end up with a lot more in retirement than a lot of people who are retiring now.\n\nSo at\n\nChannel 1: Yes.\n\nChannel 0: the moment, we're doing a lot of job expensive and retirement and trying to make money last a little bit longer and drawing down less than we actually need to kind of give that to make sure things work and and stay invested as long as possible, whereas you and I are gonna have a very different kind of retirement. And our kids, again, are gonna have a very different retirement as well. The main\n\nChannel 1: Yeah.\n\nChannel 0: difference is money is gonna be worth less in the future, so we may need to draw out more to cover our expenses. But there's nothing wrong with just sticking with that growth environment now if that's your comfort level. And then we review it in six months' time. We look at whether this new portfolio is working. If it is right, if it's not, we readjust it again.\n\nIf it's, you know, you're happy with things, you wanna just bump up the risk level, you feel like it's going really well and you wanna kinda take a little bit more, then we can always bump that up then as well. Does that feel comfortable there for yourself?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Do you feel\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: like that's a good plan?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yes.\n\nChannel 1: That's fine.\n\nChannel 0: Beautiful. Excellent. I sorta just wanna don't want you to feel like you have to do everything at once. It's okay to sort of work in in increments and start slower and build on that because your super dump is at 200 k now. So it is really good.\n\nIt is working, and we'll sort of wanna make that compounding effect work a little bit harder for you. So if we start by doing that, I can make sure we do a catch up in six months' time. We'll see how things are tracking for you, and then, you know, do the advice first. Set\n\nChannel 1: Yeah.\n\nChannel 0: a catch up in six months, and then\n\nChannel 1: Yep.\n\nChannel 0: come back and see how things are tracking and whether we need to adjust things further for you.\n\nChannel 1: Yeah.\n\nChannel 0: How\n\nChannel 1: No\n\nChannel 0: does\n\nChannel 1: worries.\n\nChannel 0: that sound?\n\nChannel 1: It's not fun.\n\nChannel 0: Yeah. Excellent. Excellent. All good. Beautiful.\n\nSo I'll go back and do some research and update the advice. Just takes a couple of weeks to put things together for you,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: No worries.\n\nChannel 0: my team will book you back in once they've got that research completed.\n\nChannel 1: Okay.\n\nChannel 0: The only other documents in the annual review pack are they've got a copy of the certificate of currency with your insurance information so you can kind of have a bit more detail around that as well.\n\nChannel 1: Yep.\n\nChannel 0: And then we've also got the financial services guide in there. So if you wanna have a look at what I look like and all my licensing information is in there for you as well. And the document attached is the ongoing service agreement for the next twelve months there. So you are on the ongoing service fee of 1.65% per annum. That just continues for the year.\n\nSo if you're happy to stay on board, want me to keep working and trying to make things work better for you and work towards your goals, I'll just ask you to sign and return that one back there for me. And, please, if you do find you have any questions, you're welcome to let me know. Happy to touch base whenever you want. I think one thing I do wanna do this year is make sure we are still touching base a little bit regularly. So my team are booking people in at least every six months just to see if you want a bit of a catch up just to see how things are tracking\n\nChannel 1: Yep.\n\nChannel 0: just so we can kind of pinpoint when things need to change there for you to keep your super on track. It make it a bit easier.\n\nChannel 1: Good. No worries. Sounds good.\n\nChannel 0: Yes. All good. Do you have any questions? I know I touch on a lot, and I'm very sorry. But is there any questions or anything that I haven't sort of tapped on that you might want to ask me or have me look at?\n\nOr\n\nChannel 1: No. I think I think everything's been fairly well covered off.\n\nChannel 0: yep. Beautiful.\n\nChannel 1: No.\n\nChannel 0: Beautiful.\n\nChannel 1: I think\n\nChannel 0: Just\n\nChannel 1: so.\n\nChannel 0: need to get these returns working better. It is super working better and get these underperforming investments going for you.\n\nChannel 1: Yeah. Yeah. Yeah. See see see it start trending upwards more than, you know,\n\nChannel 0: Absolutely.\n\nChannel 1: up and then down.\n\nChannel 0: Yeah. Yeah. Definitely.\n\nChannel 1: Sometimes\n\nChannel 0: No.\n\nChannel 1: you look at it, you\n\nChannel 0: Absolutely\n\nChannel 1: go, it seems like\n\nChannel 0: understand.\n\nChannel 1: it's seems like it's taken two steps forward and three steps back, and you go, what's going on?\n\nChannel 0: Yeah.\n\nChannel 1: Anyway,\n\nChannel 0: Sometimes it can feel that\n\nChannel 1: yeah.\n\nChannel 0: way. Yeah. No. Absolutely.\n\nChannel 1: I learned a\n\nChannel 0: Well,\n\nChannel 1: lot\n\nChannel 0: I'll\n\nChannel 1: of things.\n\nChannel 0: get stuck into that absolutely. I'll get stuck into the reset, see what I can do with the portfolio. I'll come back with the advice document. We'll go through that together. I'll show you what I'm changing, how it works for you, what it looks like, the advantages, the disadvantages, the risks involved, and then you get to take that away and decide what you wanna do with it moving forward.\n\nOkay.\n\nChannel 1: No worries.\n\nChannel 0: Excellent. Well, thank you so much for your time. I hope you have a lovely afternoon.\n\nChannel 1: Thank you. You too.\n\nChannel 0: Thanks, Ashley. Enjoy your weekend with your family. Enjoy your three weeks away. That'll\n\nChannel 1: Oh,\n\nChannel 0: be amazing.\n\nChannel 1: certainly try. It'll be good. Yeah. It will be good.\n\nChannel 0: Lovely. Yeah. All\n\nChannel 1: Easy\n\nChannel 0: good.\n\nChannel 1: done.\n\nChannel 0: I'll talk to you very soon. I\n\nChannel 1: Thanks,\n\nChannel 0: appreciate\n\nChannel 1: Donna.\n\nChannel 0: your time today.\n\nChannel 1: No worries\n\nChannel 0: Thank\n\nChannel 1: at all.\n\nChannel 0: you.\n\nChannel 1: Thank you.\n\nChannel 0: See\n\nChannel 1: See\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hey, Adrian.","start":0.88,"end":1.36,"sentiment":"neutral","sentiment_score":0.06182318180799484},{"text":"This is Ashley.","start":1.36,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.045807783802350364}],"sentiment":"neutral","sentiment_score":0.05221394300460815,"channel":1,"num_words":5,"start":0.88,"end":2.1799998},{"sentences":[{"text":"Hi, Ashley.","start":2.8,"end":3.52,"sentiment":"neutral","sentiment_score":0.14020191878080368},{"text":"This is Dana from OC Financial.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.15450012683868408},{"text":"How are you this afternoon?","start":5.3599997,"end":6.58,"sentiment":"neutral","sentiment_score":0.2260846197605133}],"sentiment":"neutral","sentiment_score":0.17983289979971373,"channel":0,"num_words":13,"start":2.8,"end":6.58},{"sentences":[{"text":"I'm well.","start":6.16,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.3005698025226593},{"text":"Yourself?","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.15037675201892853}],"sentiment":"neutral","sentiment_score":0.250505452354749,"channel":1,"num_words":3,"start":6.16,"end":7.3799996},{"sentences":[{"text":"Yeah.","start":8.0,"end":8.32,"sentiment":"neutral","sentiment_score":0.2424408793449402},{"text":"Good.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.5551726818084717},{"text":"Thank you.","start":8.639999,"end":9.44,"sentiment":"positive","sentiment_score":0.5882275402545929},{"text":"How's your day been so far?","start":9.44,"end":11.219999,"sentiment":"neutral","sentiment_score":0.27860430379708606}],"sentiment":"positive","sentiment_score":0.3645694464445114,"channel":0,"num_words":10,"start":8.0,"end":11.219999},{"sentences":[{"text":"Yeah.","start":12.0,"end":12.24,"sentiment":"neutral","sentiment_score":0.17833814024925232},{"text":"It's been okay.","start":12.24,"end":13.139999,"sentiment":"neutral","sentiment_score":0.2529669255018234},{"text":"It's gone by pretty quickly.","start":13.28,"end":14.559999,"sentiment":"neutral","sentiment_score":0.14737622290849686},{"text":"I just actually went to phone, started ringing, I looked down like, oh, it's that time already.","start":14.559999,"end":17.915,"sentiment":"neutral","sentiment_score":0.04407485826488804},{"text":"That happened","start":19.335,"end":19.895,"sentiment":"neutral","sentiment_score":0.08811039477586746}],"sentiment":"neutral","sentiment_score":0.09284333611971565,"channel":1,"num_words":28,"start":12.0,"end":19.895},{"sentences":[{"text":"All","start":19.835,"end":20.155,"sentiment":"neutral","sentiment_score":0.23014912009239197}],"sentiment":"neutral","sentiment_score":0.23014912009239197,"channel":0,"num_words":1,"start":19.835,"end":20.155},{"sentences":[{"text":"fast.","start":19.895,"end":20.215,"sentiment":"neutral","sentiment_score":0.3259977698326111}],"sentiment":"neutral","sentiment_score":0.3259977698326111,"channel":1,"num_words":1,"start":19.895,"end":20.215},{"sentences":[{"text":"good.","start":20.155,"end":20.655,"sentiment":"neutral","sentiment_score":0.28994378447532654}],"sentiment":"neutral","sentiment_score":0.28994378447532654,"channel":0,"num_words":1,"start":20.155,"end":20.655},{"sentences":[{"text":"It was only 04:30 a minute ago.","start":20.215,"end":22.075,"sentiment":"neutral","sentiment_score":0.05529323805655752}],"sentiment":"neutral","sentiment_score":0.05529323805655752,"channel":1,"num_words":7,"start":20.215,"end":22.075},{"sentences":[{"text":"Oh, look.","start":23.755001,"end":24.154999,"sentiment":"neutral","sentiment_score":0.056605422869324684},{"text":"I'm the same.","start":24.154999,"end":24.795,"sentiment":"neutral","sentiment_score":0.06013737370570501},{"text":"I think this is my seventh call for the day, and I'm","start":24.795,"end":27.435001,"sentiment":"neutral","sentiment_score":0.07249357675512631}],"sentiment":"neutral","sentiment_score":0.06844387575984001,"channel":0,"num_words":17,"start":23.755001,"end":27.435001},{"sentences":[{"text":"Yep.","start":27.415,"end":27.915,"sentiment":"neutral","sentiment_score":0.08273002505302429}],"sentiment":"neutral","sentiment_score":0.08273002505302429,"channel":1,"num_words":1,"start":27.415,"end":27.915},{"sentences":[{"text":"like, yep.","start":27.435001,"end":27.994999,"sentiment":"neutral","sentiment_score":0.08783724531531334},{"text":"Today has flown by.","start":27.994999,"end":29.17,"sentiment":"neutral","sentiment_score":0.1786852888762951},{"text":"I think it's crazy.","start":29.17,"end":30.95,"sentiment":"neutral","sentiment_score":0.036570669151842594}],"sentiment":"neutral","sentiment_score":0.10366983227431774,"channel":0,"num_words":10,"start":27.435001,"end":30.95},{"sentences":[{"text":"Yeah.","start":31.58,"end":32.08,"sentiment":"neutral","sentiment_score":0.28096455335617065}],"sentiment":"neutral","sentiment_score":0.28096455335617065,"channel":1,"num_words":1,"start":31.58,"end":32.08},{"sentences":[{"text":"They're all good.","start":33.010002,"end":34.23,"sentiment":"positive","sentiment_score":0.5424425899982452},{"text":"Actually, I had people pinned just to run through your annual review for the for this year.","start":34.29,"end":37.89,"sentiment":"neutral","sentiment_score":0.15478736753849423},{"text":"Is now still a good time","start":37.89,"end":39.010002,"sentiment":"neutral","sentiment_score":0.19058874497811}],"sentiment":"neutral","sentiment_score":0.20777867261606914,"channel":0,"num_words":26,"start":33.010002,"end":39.010002},{"sentences":[{"text":"Yeah.","start":38.78,"end":39.28,"sentiment":"neutral","sentiment_score":0.13051404058933258}],"sentiment":"neutral","sentiment_score":0.13051404058933258,"channel":1,"num_words":1,"start":38.78,"end":39.28},{"sentences":[{"text":"there for 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look at things, as of this month, you're 39.","start":568.46497,"end":575.76495,"sentiment":"neutral","sentiment_score":0.03442004069478975}],"sentiment":"neutral","sentiment_score":0.1669856001328056,"channel":0,"num_words":75,"start":550.535,"end":575.76495},{"sentences":[{"text":"Yep.","start":578.07996,"end":578.39996,"sentiment":"neutral","sentiment_score":0.12306611239910126},{"text":"Don't feel bad.","start":578.39996,"end":579.27997,"sentiment":"neutral","sentiment_score":0.07566855723659198},{"text":"I'm older than you.","start":579.27997,"end":580.24,"sentiment":"neutral","sentiment_score":0.0704955942928791},{"text":"It's fine.","start":580.24,"end":580.89996,"sentiment":"neutral","sentiment_score":0.24110116809606552},{"text":"I'm in my 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that, and I'm like, really?","start":590.32,"end":592.82,"sentiment":"neutral","sentiment_score":0.04542879580350762}],"sentiment":"neutral","sentiment_score":0.08334288365828495,"channel":0,"num_words":15,"start":588.48,"end":592.82},{"sentences":[{"text":"sound it.","start":592.62006,"end":593.37006,"sentiment":"neutral","sentiment_score":0.024277886375784874}],"sentiment":"neutral","sentiment_score":0.024277886375784874,"channel":1,"num_words":2,"start":592.62006,"end":593.37006},{"sentences":[{"text":"No.","start":594.825,"end":595.065,"sentiment":"neutral","sentiment_score":0.011586949229240416},{"text":"Thank you.","start":595.065,"end":595.805,"sentiment":"neutral","sentiment_score":0.18644209951162338},{"text":"With the spend along Australian equities, it is more of an actively managed fund.","start":596.505,"end":600.025,"sentiment":"neutral","sentiment_score":0.054392460733652115},{"text":"And given that you can't access super until the age of 60, that's the earliest point of 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depending","start":608.60004,"end":609.26,"sentiment":"neutral","sentiment_score":0.06407546624541283}],"sentiment":"neutral","sentiment_score":0.06407546624541283,"channel":0,"num_words":2,"start":608.60004,"end":609.26},{"sentences":[{"text":"Mhmm.","start":608.97504,"end":609.47504,"sentiment":"neutral","sentiment_score":0.035939186811447144}],"sentiment":"neutral","sentiment_score":0.035939186811447144,"channel":1,"num_words":1,"start":608.97504,"end":609.47504},{"sentences":[{"text":"on your preference, replace that with maybe another active manager.","start":609.32,"end":612.94,"sentiment":"neutral","sentiment_score":0.03264039549976587},{"text":"Active managers within those firms are trying to outperform against the market.","start":613.56006,"end":617.56006,"sentiment":"neutral","sentiment_score":0.1036746259778738},{"text":"You often do pay a little bit more in management fees to kind of have that in your portfolio.","start":617.56006,"end":622.22003,"sentiment":"neutral","sentiment_score":0.05969998044402976},{"text":"Otherwise, I can look at swapping that out with something a little bit more low cost, maybe more to passively manage ETF fund that is tracking the market, which over the long term can actually outperform and do better than these active managers.","start":623.125,"end":637.37994,"sentiment":"neutral","sentiment_score":0.17336152944453928},{"text":"What sort of your preference?","start":637.37994,"end":638.81995,"sentiment":"neutral","sentiment_score":0.028886430710554124}],"sentiment":"neutral","sentiment_score":0.11577277544760302,"channel":0,"num_words":89,"start":609.32,"end":638.81995},{"sentences":[{"text":"What would you like me to look at when I'm looking at portfolios for 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when you when you take into consideration the level of debt that I carry, it's more than adequate.","start":802.38495,"end":807.845,"sentiment":"neutral","sentiment_score":0.060633908761175054}],"sentiment":"neutral","sentiment_score":0.060633908761175054,"channel":1,"num_words":19,"start":802.38495,"end":807.845},{"sentences":[{"text":"Yeah.","start":808.73,"end":809.21,"sentiment":"neutral","sentiment_score":0.11592866480350494},{"text":"Absolutely.","start":809.21,"end":809.71,"sentiment":"neutral","sentiment_score":0.20123083889484408},{"text":"Mortgage wise, I've got you down here as owing about 360,000 on the home still.","start":810.65,"end":815.93,"sentiment":"neutral","sentiment_score":0.09805057297150294},{"text":"Is that correct, or is that reduced a 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sort of value would you put on that now, do you think?","start":954.675,"end":957.33496,"sentiment":"neutral","sentiment_score":0.03366668436389703}],"sentiment":"neutral","sentiment_score":0.06279444162334714,"channel":0,"num_words":28,"start":947.36,"end":957.33496},{"sentences":[{"text":"Yeah.","start":957.46,"end":957.54,"sentiment":"neutral","sentiment_score":0.007121860049664974},{"text":"I think the last review was sort of somewhere around about that $8.40 mark.","start":957.54,"end":961.395,"sentiment":"neutral","sentiment_score":0.017972343069102083}],"sentiment":"neutral","sentiment_score":0.017248977534472944,"channel":1,"num_words":15,"start":957.46,"end":961.395},{"sentences":[{"text":"Perfect.","start":962.675,"end":963.175,"sentiment":"positive","sentiment_score":0.4669322371482849},{"text":"Excellent.","start":963.39496,"end":963.89496,"sentiment":"positive","sentiment_score":0.4525699019432068},{"text":"And so the other part of insurance that you do have here is your 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really know how it's","start":981.18,"end":982.22,"sentiment":"neutral","sentiment_score":-0.02553862410907944}],"sentiment":"neutral","sentiment_score":-0.010691402551646415,"channel":1,"num_words":13,"start":979.58,"end":982.22},{"sentences":[{"text":"Yeah.","start":982.12,"end":982.365,"sentiment":"neutral","sentiment_score":-0.009205980226397514}],"sentiment":"neutral","sentiment_score":-0.009205980226397514,"channel":0,"num_words":1,"start":982.12,"end":982.365},{"sentences":[{"text":"paid out.","start":982.22,"end":982.78,"sentiment":"neutral","sentiment_score":-0.009646535851061344},{"text":"I I don't imagine that it's a lump sum, but no.","start":982.78,"end":988.575,"sentiment":"neutral","sentiment_score":-0.03643877973610705},{"text":"Can you enlighten me?","start":988.715,"end":990.015,"sentiment":"neutral","sentiment_score":0.002697402494959533}],"sentiment":"neutral","sentiment_score":-0.024078237577615416,"channel":1,"num_words":17,"start":982.22,"end":990.015},{"sentences":[{"text":"Absolutely.","start":990.52496,"end":991.02496,"sentiment":"neutral","sentiment_score":0.11172362416982652},{"text":"Definitely.","start":991.725,"end":992.225,"sentiment":"neutral","sentiment_score":0.11031216382980348},{"text":"So with TPD, total permanent capacity or total permanent disability cover, in the event of a successful claim.","start":992.52496,"end":1000.39,"sentiment":"neutral","sentiment_score":0.05026883538812399},{"text":"If you are 60, one of those little known facts is that it is unfortunately taxed.","start":1000.45,"end":1005.67004,"sentiment":"neutral","sentiment_score":-0.045795835671015084},{"text":"If you do take it as a lump sum, essentially, the government taxes up to 22%","start":1006.45,"end":1011.75,"sentiment":"neutral","sentiment_score":-0.044972073403187096}],"sentiment":"neutral","sentiment_score":-0.006257917696180252,"channel":0,"num_words":52,"start":990.52496,"end":1011.75},{"sentences":[{"text":"Yeah.","start":1011.53,"end":1012.03,"sentiment":"neutral","sentiment_score":-0.0448731929063797}],"sentiment":"neutral","sentiment_score":-0.0448731929063797,"channel":1,"num_words":1,"start":1011.53,"end":1012.03},{"sentences":[{"text":"of that money, which","start":1011.765,"end":1012.805,"sentiment":"neutral","sentiment_score":-0.05023080948740244}],"sentiment":"neutral","sentiment_score":-0.05023080948740244,"channel":0,"num_words":4,"start":1011.765,"end":1012.805},{"sentences":[{"text":"Yeah.","start":1012.49005,"end":1012.935,"sentiment":"neutral","sentiment_score":-0.05561519414186478}],"sentiment":"neutral","sentiment_score":-0.05561519414186478,"channel":1,"num_words":1,"start":1012.49005,"end":1012.935},{"sentences":[{"text":"is kind","start":1012.805,"end":1013.28503,"sentiment":"neutral","sentiment_score":-0.07523108273744583}],"sentiment":"neutral","sentiment_score":-0.07523108273744583,"channel":0,"num_words":2,"start":1012.805,"end":1013.28503},{"sentences":[{"text":"Yeah.","start":1013.015,"end":1013.515,"sentiment":"neutral","sentiment_score":-0.1283208727836609}],"sentiment":"neutral","sentiment_score":-0.1283208727836609,"channel":1,"num_words":1,"start":1013.015,"end":1013.515},{"sentences":[{"text":"of terrible when you think about your level of cover because you've got the same level of CBD as your life.","start":1013.28503,"end":1018.10504,"sentiment":"neutral","sentiment_score":-0.15682866779111682},{"text":"So just","start":1018.325,"end":1018.72504,"sentiment":"neutral","sentiment_score":-0.04455155786126852}],"sentiment":"neutral","sentiment_score":-0.14706544084069523,"channel":0,"num_words":23,"start":1013.28503,"end":1018.72504},{"sentences":[{"text":"Yeah.","start":1018.695,"end":1019.195,"sentiment":"neutral","sentiment_score":-0.034141186624765396}],"sentiment":"neutral","sentiment_score":-0.034141186624765396,"channel":1,"num_words":1,"start":1018.695,"end":1019.195},{"sentences":[{"text":"over 1,102,000 there.","start":1018.72504,"end":1021.385,"sentiment":"neutral","sentiment_score":-0.020791673411925633},{"text":"There are there's a fun little math equation that they do.","start":1022.085,"end":1025.465,"sentiment":"neutral","sentiment_score":0.015756816518577663},{"text":"They essentially assess your age at time of claim and the age of 65 because that's the the age that all the funds in your system become un preserved, unrestricted without you having to retire.","start":1025.525,"end":1036.4701,"sentiment":"neutral","sentiment_score":-0.006845439731010369}],"sentiment":"neutral","sentiment_score":-0.0026253148799343985,"channel":0,"num_words":49,"start":1018.72504,"end":1036.4701},{"sentences":[{"text":"Yep.","start":1036.85,"end":1037.35,"sentiment":"neutral","sentiment_score":0.0537455677986145}],"sentiment":"neutral","sentiment_score":0.0537455677986145,"channel":1,"num_words":1,"start":1036.85,"end":1037.35},{"sentences":[{"text":"And they work out essentially they have a fun little equation to work out what the tax is.","start":1037.3301,"end":1041.645,"sentiment":"neutral","sentiment_score":0.07152738789510396},{"text":"It is up to 22%, so it could definitely be worse.","start":1041.645,"end":1045.025,"sentiment":"negative","sentiment_score":-0.6472820531238209},{"text":"If you ever did have to claim on that money, we would then provide advice on how to structure, what to do with.","start":1045.645,"end":1052.19,"sentiment":"neutral","sentiment_score":-0.14125268679598105},{"text":"There are some things that we can do to help kind of reduce or minimize the tax consequences.","start":1052.19,"end":1056.45,"sentiment":"neutral","sentiment_score":0.05963347935014301}],"sentiment":"neutral","sentiment_score":-0.11440026814650212,"channel":0,"num_words":70,"start":1037.3301,"end":1056.45},{"sentences":[{"text":"Yep.","start":1057.32,"end":1057.82,"sentiment":"neutral","sentiment_score":0.14975211024284363}],"sentiment":"neutral","sentiment_score":0.14975211024284363,"channel":1,"num_words":1,"start":1057.32,"end":1057.82},{"sentences":[{"text":"You can essentially take it as a lump sum for all the money at once, or you can take it as, like, a disability pension where you keep most of it invested and then just draw small amount on a regular","start":1057.71,"end":1068.665,"sentiment":"neutral","sentiment_score":0.14483703582025156}],"sentiment":"neutral","sentiment_score":0.14483703582025156,"channel":0,"num_words":41,"start":1057.71,"end":1068.665},{"sentences":[{"text":"Yeah.","start":1069.2251,"end":1069.7251,"sentiment":"neutral","sentiment_score":0.07151387631893158}],"sentiment":"neutral","sentiment_score":0.07151387631893158,"channel":1,"num_words":1,"start":1069.2251,"end":1069.7251},{"sentences":[{"text":"basis.","start":1069.285,"end":1069.765,"sentiment":"neutral","sentiment_score":0.08778193593025208},{"text":"So there are definitely with things that can be done, but I did like to make sure that that is a factor that is known because it is very little known.","start":1069.765,"end":1078.165,"sentiment":"neutral","sentiment_score":0.04442198418321148},{"text":"Unfortunately, I have come across clients in the past where they've unfortunately become TBD, and they've tried to take all the money out.","start":1078.165,"end":1085.62,"sentiment":"negative","sentiment_score":-0.37688120227792987},{"text":"And they've realized they've lost a couple of $100,000 due to taxation, and it hasn't","start":1085.62,"end":1090.0199,"sentiment":"negative","sentiment_score":-0.4502248565355937}],"sentiment":"neutral","sentiment_score":-0.1993825293545212,"channel":0,"num_words":70,"start":1069.285,"end":1090.0199},{"sentences":[{"text":"Yeah.","start":1089.82,"end":1090.32,"sentiment":"neutral","sentiment_score":-0.24286577105522156}],"sentiment":"neutral","sentiment_score":-0.24286577105522156,"channel":1,"num_words":1,"start":1089.82,"end":1090.32},{"sentences":[{"text":"quite funded what they thought it was gonna fund.","start":1090.0199,"end":1092.1799,"sentiment":"neutral","sentiment_score":-0.3106086386574639},{"text":"So","start":1092.1799,"end":1092.6799,"sentiment":"neutral","sentiment_score":-0.1264234185218811}],"sentiment":"neutral","sentiment_score":-0.29219011664390565,"channel":0,"num_words":10,"start":1090.0199,"end":1092.6799},{"sentences":[{"text":"Yeah.","start":1092.22,"end":1092.62,"sentiment":"neutral","sentiment_score":-0.11517059057950974},{"text":"Yeah.","start":1092.62,"end":1092.86,"sentiment":"neutral","sentiment_score":-0.09071892499923706},{"text":"Yeah.","start":1092.86,"end":1093.02,"sentiment":"neutral","sentiment_score":-0.0929819792509079},{"text":"And,","start":1093.02,"end":1093.26,"sentiment":"neutral","sentiment_score":-0.12502892315387726}],"sentiment":"neutral","sentiment_score":-0.10597510449588299,"channel":1,"num_words":4,"start":1092.22,"end":1093.26},{"sentences":[{"text":"just","start":1093.0599,"end":1093.2999,"sentiment":"neutral","sentiment_score":-0.1150105446577072}],"sentiment":"neutral","sentiment_score":-0.1150105446577072,"channel":0,"num_words":1,"start":1093.0599,"end":1093.2999},{"sentences":[{"text":"actually,","start":1093.26,"end":1093.76,"sentiment":"neutral","sentiment_score":-0.1244066134095192}],"sentiment":"neutral","sentiment_score":-0.1244066134095192,"channel":1,"num_words":1,"start":1093.26,"end":1093.76},{"sentences":[{"text":"like to","start":1093.2999,"end":1094.0399,"sentiment":"neutral","sentiment_score":-0.08525882661342621}],"sentiment":"neutral","sentiment_score":-0.08525882661342621,"channel":0,"num_words":2,"start":1093.2999,"end":1094.0399},{"sentences":[{"text":"with with with something like that as well, the the the cost of maintaining life is generally a whole lot higher as 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other thing you do have there is your income protection policy.","start":1108.3701,"end":1111.67,"sentiment":"neutral","sentiment_score":0.07188341704507668},{"text":"So you do have just a monthly benefit currently of 6,200 in the event that you're unable to go to work in the shorter term there.","start":1111.7301,"end":1118.9501,"sentiment":"neutral","sentiment_score":0.03790778232415995}],"sentiment":"neutral","sentiment_score":0.05515479311778596,"channel":0,"num_words":41,"start":1104.855,"end":1118.9501},{"sentences":[{"text":"Income wise, we had you on about a 100,000 last year.","start":1119.41,"end":1122.93,"sentiment":"neutral","sentiment_score":0.00036517784676768565},{"text":"Are you on a bit more is that a","start":1122.93,"end":1124.565,"sentiment":"neutral","sentiment_score":0.0016212278149194187}],"sentiment":"neutral","sentiment_score":0.0009304003324359655,"channel":0,"num_words":20,"start":1119.41,"end":1124.565},{"sentences":[{"text":"It's","start":1124.4149,"end":1124.9149,"sentiment":"neutral","sentiment_score":-0.009745646268129349}],"sentiment":"neutral","sentiment_score":-0.009745646268129349,"channel":1,"num_words":1,"start":1124.4149,"end":1124.9149},{"sentences":[{"text":"pay rise then?","start":1124.565,"end":1125.625,"sentiment":"neutral","sentiment_score":-0.007862082372109095}],"sentiment":"neutral","sentiment_score":-0.007862082372109095,"channel":0,"num_words":3,"start":1124.565,"end":1125.625},{"sentences":[{"text":"gone up a little bit.","start":1125.695,"end":1127.0549,"sentiment":"neutral","sentiment_score":-0.01535395085811615},{"text":"Yeah.","start":1127.0549,"end":1127.2949,"sentiment":"neutral","sentiment_score":0.038986384868621826},{"text":"It's up now a 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these sorry.","start":1154.075,"end":1155.355,"sentiment":"neutral","sentiment_score":-0.1287730261683464},{"text":"You're right?","start":1155.355,"end":1156.015,"sentiment":"neutral","sentiment_score":-0.05942528881132603}],"sentiment":"neutral","sentiment_score":-0.10103393122553825,"channel":0,"num_words":5,"start":1154.075,"end":1156.015},{"sentences":[{"text":"was gonna say, the other question I should probably factor into that equation as well is that","start":1156.1951,"end":1161.155,"sentiment":"neutral","sentiment_score":-0.025587323833914363}],"sentiment":"neutral","sentiment_score":-0.025587323833914363,"channel":1,"num_words":17,"start":1156.1951,"end":1161.155},{"sentences":[{"text":"Yes.","start":1161.0349,"end":1161.5349,"sentiment":"neutral","sentiment_score":-0.030966201797127724}],"sentiment":"neutral","sentiment_score":-0.030966201797127724,"channel":0,"num_words":1,"start":1161.0349,"end":1161.5349},{"sentences":[{"text":"that figure is not including benefits such 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is","start":1205.95,"end":1209.515,"sentiment":"neutral","sentiment_score":0.013555707409977913}],"sentiment":"neutral","sentiment_score":0.013555707409977913,"channel":1,"num_words":9,"start":1205.95,"end":1209.515},{"sentences":[{"text":"Yep.","start":1212.2476,"end":1212.7476,"sentiment":"neutral","sentiment_score":0.04490017145872116}],"sentiment":"neutral","sentiment_score":0.04490017145872116,"channel":0,"num_words":1,"start":1212.2476,"end":1212.7476},{"sentences":[{"text":"correct.","start":1212.935,"end":1213.435,"sentiment":"neutral","sentiment_score":0.06738882511854172},{"text":"So it just need I suppose it just needs to be bumped up to a hundred and ten 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be?","start":1237.875,"end":1246.055,"sentiment":"neutral","sentiment_score":0.08739315010607243}],"sentiment":"neutral","sentiment_score":0.08739315010607243,"channel":0,"num_words":30,"start":1237.875,"end":1246.055},{"sentences":[{"text":"If we if we I don't know.","start":1246.9451,"end":1250.6699,"sentiment":"neutral","sentiment_score":-0.10307178646326065},{"text":"I mean, I'm not I'm not planning on becoming unemployed","start":1250.6699,"end":1256.45,"sentiment":"neutral","sentiment_score":-0.16950343251228334}],"sentiment":"neutral","sentiment_score":-0.14214922531562693,"channel":1,"num_words":17,"start":1246.9451,"end":1256.45},{"sentences":[{"text":"Yeah.","start":1258.15,"end":1258.65,"sentiment":"neutral","sentiment_score":-0.11749914288520812}],"sentiment":"neutral","sentiment_score":-0.11749914288520812,"channel":0,"num_words":1,"start":1258.15,"end":1258.65},{"sentences":[{"text":"be because of these reasons, but you never you never can plan for 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portfolio?","start":2076.5798,"end":2085.535,"sentiment":"neutral","sentiment_score":0.23072845535352826},{"text":"How do you sort of feel about that?","start":2085.595,"end":2087.295,"sentiment":"neutral","sentiment_score":0.12254700250923634}],"sentiment":"neutral","sentiment_score":0.22536659113904264,"channel":0,"num_words":47,"start":2074.74,"end":2087.295},{"sentences":[{"text":"I mean, based on what's currently there at the moment and, like, do we have any sort of or do you have any sort of tools that would go, okay.","start":2087.3398,"end":2096.8599,"sentiment":"neutral","sentiment_score":0.03494211137294769},{"text":"Well, based on what's currently there and 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months' time, see how that's working, and then we maybe adjust the risk level if you feel more comfortable.","start":2421.705,"end":2429.165,"sentiment":"neutral","sentiment_score":0.18017324537038804},{"text":"Does that feel like a comfort level for 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all good.","start":2435.39,"end":2436.45,"sentiment":"positive","sentiment_score":0.523722251256307},{"text":"You're still very young, so we can always adjust the risk level as you definitely need to.","start":2437.39,"end":2442.13,"sentiment":"neutral","sentiment_score":0.2156229325953652},{"text":"I just don't want you to feel like you have to jump the risk level up if you don't you know, if you're really not comfortable to do 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try.","start":2767.45,"end":2768.51,"sentiment":"positive","sentiment_score":0.5430272221565247},{"text":"It'll be good.","start":2769.3699,"end":2770.25,"sentiment":"positive","sentiment_score":0.6253912647565206},{"text":"Yeah.","start":2770.25,"end":2770.5698,"sentiment":"positive","sentiment_score":0.4916384816169739},{"text":"It will be 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talk to you very 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time today.","start":2776.2827,"end":2777.263,"sentiment":"positive","sentiment_score":0.6568085352579752}],"sentiment":"positive","sentiment_score":0.6568085352579752,"channel":0,"num_words":3,"start":2776.2827,"end":2777.263},{"sentences":[{"text":"No worries","start":2777.543,"end":2778.023,"sentiment":"neutral","sentiment_score":0.2927078902721405}],"sentiment":"neutral","sentiment_score":0.2927078902721405,"channel":1,"num_words":2,"start":2777.543,"end":2778.023},{"sentences":[{"text":"Thank","start":2777.963,"end":2778.2827,"sentiment":"positive","sentiment_score":0.5437989830970764}],"sentiment":"positive","sentiment_score":0.5437989830970764,"channel":0,"num_words":1,"start":2777.963,"end":2778.2827},{"sentences":[{"text":"at 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BC Financial discusses their annual review and annual review documents with a customer named Ashley, highlighting the need to replace some investments with others and the need for regular income protection. They also discuss investment opportunities, including the performance of the gold market and the Benelux Australian Equities fund. The speakers emphasize the importance of updating the portfolio and avoiding tax consequences. They also discuss retirement savings and the importance of working in increments and building on the growth environment. The conversation ends with pleasantries and well wishes."},"intents":{"segments":[{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address that you have It's Ashley Jones Pain, on file.","start_word":164,"end_word":197,"intents":[{"intent":"Confirm identity","confidence_score":0.12517656}]},{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address that you have It's Ashley Jones Pain, on file. four twenty two August Mhmm. 1987. Any address is Yep. 9 Frank Street, Brazil 4304. Beautiful.","start_word":164,"end_word":213,"intents":[{"intent":"Check security","confidence_score":0.014522764}]},{"text":"Thank you so much for that. As part of the annual review, I do normally send through some annual review documents so you can go through them with me. Are you able to access your emails there currently? Or When was it sent through?","start_word":214,"end_word":257,"intents":[{"intent":"Access emails","confidence_score":0.19350214},{"intent":"Send documents","confidence_score":0.059482932}]},{"text":"There has obviously been quite a bit happening within the market this year, so we have seen a bit of volatility out there. But when I sort of went back to review your investors, I can see one here that's sort of holding back, and I wanna kinda go back as part of after the call and do some updated advice for you because I would like to maybe update some of these investments.","start_word":609,"end_word":682,"intents":[{"intent":"Update investments","confidence_score":0.38260162}]},{"text":"I also am looking at the bank hybrid debt. So whilst we are looking to make some changes to your portfolio, the government is phasing these out down the track by 2028.","start_word":919,"end_word":950,"intents":[{"intent":"Review portfolio changes","confidence_score":0.014262657}]},{"text":"But, look, I'm honest, the market's having a bit up and down this year, but all in all the Australian and US markets are actually showing some good performance of late.","start_word":1101,"end_word":1131,"intents":[{"intent":"Analyze markets","confidence_score":0.0103763845}]},{"text":"The thing that I sort of wanted to touch base on with you to sort of look at how to update your portfolio, because I've got a few different options in mind to sort of readapt it for you. With the Benelux Australian Equities, as I mentioned, that is more of an actively managed fund.","start_word":1777,"end_word":1831,"intents":[{"intent":"Update portfolio information","confidence_score":0.054407474}]},{"text":"What would you like me to look at when I'm looking at portfolios for you? Yeah.","start_word":2030,"end_word":2045,"intents":[{"intent":"Evaluate portfolio preferences","confidence_score":0.20308554}]},{"text":"I can absolutely, if you're comfortable with it, recommend it and show K. you what that looks like whenever we do update the portfolio.","start_word":2376,"end_word":2399,"intents":[{"intent":"Promote portfolio recommendations","confidence_score":0.0025887317}]},{"text":"Are you sort of looking to buy additional property and and, you know, have an investment property down the track, or are you not really worried? No.","start_word":2903,"end_word":2929,"intents":[{"intent":"Evaluate property options","confidence_score":0.045407053}]},{"text":"If you ever did have to claim on that money, we would then provide advice on how to structure, what to do with. There are some things that we can do to help kind of reduce or minimize the tax consequences. Yep.","start_word":3276,"end_word":3317,"intents":[{"intent":"Provide advice","confidence_score":0.045027856}]},{"text":"If you ever did have to claim on that money, we would then provide advice on how to structure, what to do with. There are some things that we can do to help kind of reduce or minimize the tax consequences. Yep. You can essentially take it as a lump sum for all the money at once, or you can take it as, like, a disability pension where you keep most of it invested and then just draw small amount on a regular Yeah. basis.","start_word":3276,"end_word":3360,"intents":[{"intent":"Structure money","confidence_score":0.039791998}]},{"text":"There are some things that we can do to help kind of reduce or minimize the tax consequences. Yep.","start_word":3299,"end_word":3317,"intents":[{"intent":"Help reduce taxes","confidence_score":0.00077357626}]},{"text":"So there are definitely with things that can be done, but I did like to make sure that that is a factor that is known because it is very little known.","start_word":3361,"end_word":3391,"intents":[{"intent":"Ensure knowledge","confidence_score":0.00793085}]},{"text":"The other thing you do have there is your income protection policy. So you do have just a monthly benefit currently of 6,200 in the event that you're unable to go to work in the shorter term there.","start_word":3478,"end_word":3515,"intents":[{"intent":"Explain benefits","confidence_score":0.03504196}]},{"text":"Well, what they're gonna do is they're gonna ask your pay for the time of claim, Yeah.","start_word":3651,"end_word":3667,"intents":[{"intent":"Ask for pay","confidence_score":0.013882472},{"intent":"Calculate costs","confidence_score":0.0010829531}]},{"text":"So they're probably gonna subtract off anything for company cars and things Yeah.","start_word":3700,"end_word":3712,"intents":[{"intent":"Reducing costs","confidence_score":0.0001281421}]},{"text":"So with with your monthly benefit amount, essentially, there with you being just it's, like, $200 a month off being 70% of your income. These policies do go through renewal on a regular basis every year as well, and they do increase slightly along with CCI there as well. Did Yeah.","start_word":3796,"end_word":3846,"intents":[{"intent":"Maximize benefits","confidence_score":0.07266407}]},{"text":"you wanna look at increasing your income protection benefit after, or did you wanna just let it go through renewal and slowly increase towards what you need it to be?","start_word":3847,"end_word":3876,"intents":[{"intent":"Increase income protection","confidence_score":0.19506036}]},{"text":"realistically, it made it went through renewal, and it increased by about $227, so Yep. on a monthly basis. So if it was the when it goes through renewal, if it kind of if they assess it and increase it along with that mark, then you'll basically be sitting at that 70% mark anyway. Yep.","start_word":3957,"end_word":4011,"intents":[{"intent":"Evaluate renewal rate","confidence_score":0.0026321851}]},{"text":"One of the benefits of doing it that way is that by not by allowing it to increase as it goes through renewal, there's no additional underwriting there. Whereas Yep. if we increase the application and do it manually, they'll go back and underwrite it. So it could be more expensive depending on your health and changes. There could be additional loading to exclusion. So doing it the other way, honestly, could work Yeah.","start_word":4013,"end_word":4086,"intents":[{"intent":"Explaining application process","confidence_score":0.00024150136}]},{"text":"comes up to renewal time, I'll go back and double check it anyway just to see. It looks like it is not long has renewed. So July, it should renew again. And if you feel like you need to kind of bump it up in the meantime, you're welcome to let me know there. Okay.","start_word":4093,"end_word":4147,"intents":[{"intent":"Recommending renewal","confidence_score":0.002913374}]},{"text":"Did you wanna look at anything additional personal personal insurance wise? Are you just happy with what you've got? No.","start_word":4173,"end_word":4192,"intents":[{"intent":"Discussing personal insurance","confidence_score":0.33796516}]},{"text":"Are you finding that you're able to put much the way of savings away on a regular basis, or is everything kinda going into the offset account, the home loan, and reducing Yeah. that?","start_word":4219,"end_word":4252,"intents":[{"intent":"Talking about savings","confidence_score":0.0023939968},{"intent":"Confirming savings allocation","confidence_score":0.000007677098}]},{"text":"I mean, it's you can see it's been a little bit more challenging than usual. We've we've had an additional family member come Yep. along. Yep.","start_word":4264,"end_word":4289,"intents":[{"intent":"Discussing financial challenges","confidence_score":0.046001744}]},{"text":"the the goal is is to be in a financial position to be able to do that. Not necessarily Yep.","start_word":5504,"end_word":5523,"intents":[{"intent":"Evaluate financial position","confidence_score":0.00092880457}]},{"text":"Currently in discussions with the business owner of the company that I work for.","start_word":5808,"end_word":5821,"intents":[{"intent":"Discuss business ownership","confidence_score":0.045447927}]},{"text":"If you were to sort of buy this like, a business and sort of build that over the time, would that be something you would maybe wanna sell off when you get to retirement, or do you think you'd like to have that work in the background and have employees doing the job for you so you're still earning some income from that business as well as maybe supplementing some super as Yeah.","start_word":5858,"end_word":5930,"intents":[{"intent":"Sell business","confidence_score":0.6156916}]},{"text":"those sorts of options as well down the track. So Yeah. yeah.","start_word":6038,"end_word":6049,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.0007031052}]},{"text":"It generally sees about 80% of the super invested in growth assets, so we're looking at Australian international shares with this property and commodities like gold and silver, and then the other sort of 20% in low risk defensive investments like cash, bonds, and fixed interest there. This Yep.","start_word":6124,"end_word":6172,"intents":[{"intent":"Invest in growth assets","confidence_score":0.00639569}]},{"text":"Do you feel like that's fairly comfortable? Did you wanna look at maybe reviewing your risk profile, or are you happy just to stay in that kind of environment longer, and I can assess based on the growth portfolio?","start_word":6316,"end_word":6354,"intents":[{"intent":"Evaluate portfolio preferences","confidence_score":0.04188258}]},{"text":"And, I mean, projecting twenty one years, the future could give you a $5,000,000 return depending on the returns that the portfolios receive, and and they'll wanna Yeah. kind of be too project out that far to give you that kind of return because it's not realistic. Yeah.","start_word":6633,"end_word":6680,"intents":[{"intent":"Inquire about future financial impact","confidence_score":3.7879164e-7}]},{"text":"Did you want me to look at the growth environment and see what that does and how that looks over the next five to ten years for yourself?","start_word":6920,"end_word":6947,"intents":[{"intent":"Discuss growth environment","confidence_score":0.01418157}]},{"text":"I can project in the back end to see where we're sort of tracking for, yeah. and maybe if that's not gonna work, if we maybe need to bump up the risk a little bit, we absolutely can. Yeah.","start_word":6947,"end_word":6985,"intents":[{"intent":"Track risk","confidence_score":0.7241968}]},{"text":"And as we get closer to accessing super, as your life changes, we start to pull back on the risk level, but we can also then increase contributions Yep. in.","start_word":7109,"end_word":7138,"intents":[{"intent":"Increase contributions","confidence_score":0.84524035}]},{"text":"And when we kinda get our balance up to that sort of $2,200 to $2.50 mark, then it kinda helps the compounding effect. Like, if you think about a 5% return on someone with $50,000 in super, that's essentially sitting there. They're getting a $2,500 return. The same 5% return for someone with $500,000 in super is 25,000.","start_word":7165,"end_word":7222,"intents":[{"intent":"Compounding effect","confidence_score":0.21447806}]},{"text":"I do have a lot of the older clients on Outlook who are retiring a lot earlier. And because super wasn't a factor for them, we're pretty lucky that super was, you know, a factor when we first started working with being gaining it and compounding it a little bit longer. So we are gonna end up with a lot more in retirement than a lot of people who are retiring now.","start_word":7543,"end_word":7614,"intents":[{"intent":"Discuss retirement benefits","confidence_score":0.04276234}]},{"text":"And then we review it in six months' time. We look at whether this new portfolio is working.","start_word":7734,"end_word":7751,"intents":[{"intent":"Review portfolio","confidence_score":0.2971824}]},{"text":"If it's, you know, you're happy with things, you wanna just bump up the risk level, you feel like it's going really well and you wanna kinda take a little bit more, then we can always bump that up then as well. Does that feel comfortable there for yourself? Yeah.","start_word":7763,"end_word":7812,"intents":[{"intent":"Adjust risk level","confidence_score":0.67670304},{"intent":"Adjust risk level","confidence_score":0.2450617},{"intent":"Adjust risk level","confidence_score":0.13674296}]},{"text":"It is working, and we'll sort of wanna make that compounding effect work a little bit harder for you.","start_word":7878,"end_word":7896,"intents":[{"intent":"Compounding effect","confidence_score":0.03785187}]},{"text":"So I'll go back and do some research and update the advice.","start_word":7978,"end_word":7989,"intents":[{"intent":"Update advice","confidence_score":0.06755211}]},{"text":"See see see it start trending upwards more than, you know, Absolutely. up and then down. Yeah.","start_word":8364,"end_word":8380,"intents":[{"intent":"Highlight investment progress","confidence_score":0.00009091811}]}]},"sentiments":{"segments":[{"text":"Hey, Adrian. This is Ashley. Hi, Ashley. This is Dana from OC Financial. How are you this afternoon? I'm well. Yourself? Yeah.","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.1682063788175583},{"text":"Good. Thank you.","start_word":22,"end_word":24,"sentiment":"positive","sentiment_score":0.5639591217041016},{"text":"How's your day been so far? Yeah. It's been okay. It's gone by pretty quickly. I just actually went to phone, started ringing, I looked down like, oh, it's that time already. That happened All fast. good. It was only 04:30 a minute ago. Oh, look. I'm the same. I think this is my seventh call for the day, and I'm Yep. like, yep. Today has flown by. I think it's crazy. Yeah.","start_word":25,"end_word":97,"sentiment":"neutral","sentiment_score":0.11269667744636536},{"text":"They're all good.","start_word":98,"end_word":100,"sentiment":"positive","sentiment_score":0.5214074850082397},{"text":"Actually, I had people pinned just to run through your annual review for the for this year. Is now still a good time Yeah. there for you? Yeah. Yeah. Yep.","start_word":101,"end_word":130,"sentiment":"neutral","sentiment_score":0.15678025782108307},{"text":"Beautiful.","start_word":131,"end_word":131,"sentiment":"positive","sentiment_score":0.474439412355423},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy to proceed with that? That's fine. Yep.","start_word":132,"end_word":162,"sentiment":"neutral","sentiment_score":0.12991395592689514},{"text":"Fantastic.","start_word":163,"end_word":163,"sentiment":"positive","sentiment_score":0.5389530658721924},{"text":"And just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address that you have It's Ashley Jones Pain, on file. four twenty two August Mhmm. 1987. Any address is Yep. 9 Frank Street, Brazil 4304. Beautiful.","start_word":164,"end_word":213,"sentiment":"neutral","sentiment_score":0.09782572835683824},{"text":"Thank you so much for that.","start_word":214,"end_word":219,"sentiment":"positive","sentiment_score":0.5149673819541931},{"text":"As part of the annual review, I do normally send through some annual review documents so you can go through them with me. Are you able to access your emails there currently? Or When was it sent through? I'm just doing it now. Oh, okay. Okay. Yeah. You're right. Let I'll me send it through. There we go. Me it's sent. It should come through from Odoo sign, and I think it comes through from Gaynor or OQ Finance too to make it easier okay. as well. Yep. So I got here a signature request here for financial Yep. annual re pack. Perfect. So if you press that button, it'll take you through so you can review the documents. I am very blunt.","start_word":220,"end_word":342,"sentiment":"neutral","sentiment_score":0.10540282726287842},{"text":"I never want you to sign anything you haven't read.","start_word":343,"end_word":352,"sentiment":"negative","sentiment_score":-0.35472360253334045},{"text":"So pressing that button just takes you through so you can see each of the documents attached, and I'll take you through each of them. And you're welcome to go back and read them before you sign anything if you Yeah. if you Yeah. choose to do so. Yeah. Okay. No worries at all.","start_word":353,"end_word":406,"sentiment":"neutral","sentiment_score":0.12727421522140503},{"text":"Easy.","start_word":407,"end_word":407,"sentiment":"positive","sentiment_score":0.394476056098938},{"text":"Now the first document, when it takes you through there, it should show you. I'm just pulling them up, so I had to pull them up after I set them.","start_word":408,"end_word":437,"sentiment":"neutral","sentiment_score":0.16411322355270386},{"text":"Beautiful. It should be your summary of superannuation and insurance in there.","start_word":438,"end_word":449,"sentiment":"positive","sentiment_score":0.499957412481308},{"text":"Can you see that one? Yeah. Yeah. Yep.","start_word":450,"end_word":457,"sentiment":"neutral","sentiment_score":0.20324645936489105},{"text":"Beautiful.","start_word":458,"end_word":458,"sentiment":"positive","sentiment_score":0.535403847694397},{"text":"So with the one, they're giving you an updated balance. So I had a look back at your balance as of the last annual review. You had about a $191,046.42 there. So we're sitting here at $201,002.59 and 22<unk> as of the twenty sixth of yesterday's date there. Okay. Yes. Yeah.","start_word":459,"end_word":510,"sentiment":"neutral","sentiment_score":0.1210298389196396},{"text":"Excellent.","start_word":511,"end_word":511,"sentiment":"positive","sentiment_score":0.352350115776062},{"text":"So so when Under was the last review? Sorry. yes. You're right. It was November last year. Wow. That's that's gone by. No. In no time. So It what was has it back then? 191. $191,046.42. Yeah. Yeah. Its performance hasn't been all that strong this year, has it? It honestly has, and that's the other thing I sorta wanted to talk to you about. I had a bit of a review of where everything has sort of been for this year. And if you move forward to the next document there, you'll have your performance report there. There has obviously been quite a bit happening within the market this year, so we have seen a bit of volatility out there. But when I sort of went back to review your investors, I can see one here that's sort of holding back, and I wanna kinda go back as part of after the call and do some updated advice for you because I would like to maybe update some of these investments. Are you looking at that performance report there on the first page? Yep. Got it right here fine. Yes.","start_word":512,"end_word":702,"sentiment":"neutral","sentiment_score":0.0019471703562885525},{"text":"Beautiful.","start_word":703,"end_word":703,"sentiment":"positive","sentiment_score":0.48536744713783264},{"text":"So the top one there, the Ben among Australian equities, that one there is more of an actively managed fund.","start_word":703,"end_word":722,"sentiment":"neutral","sentiment_score":-0.04932932928204536},{"text":"And, unfortunately, the active manager within the fund has sort of been underperforming quite significantly this year.","start_word":723,"end_word":739,"sentiment":"negative","sentiment_score":-0.5652320981025696},{"text":"They had done really well for a certain portion of the year, but then had quite a decent pullback.","start_word":740,"end_word":758,"sentiment":"neutral","sentiment_score":-0.32624438405036926},{"text":"And that is having quite a significant effect on your super fund at the moment.","start_word":759,"end_word":773,"sentiment":"negative","sentiment_score":-0.430703729391098},{"text":"So I do wanna look at maybe removing that one out of the portfolio. We are not able to do so until we update the advice to reflect. And in order to do that, I do have to reassess your goals there. So that is one of the ones I definitely wanna look at removing for you. The other one I'm looking at sort of replacing at the moment is the Fair Next property. So because of, obviously, the changes that have come out from the government late this year after June, July, property has taken a little bit back here. So that Yep. is also down about 10% within your portfolio. And whilst that has had some good returns in the past, I think switching those two out for now and looking to replace them with something else might be very beneficial. Yeah. 100%. I also am looking at the bank hybrid debt. So whilst we are looking to make some changes to your portfolio, the government is phasing these out down the track by 2028. So, realistically, if I'm gonna make some changes to your portfolio, I'm better off to also look at maybe replacing that with another defensive asset as well. That way, we don't come back down the track and find we have to remove that out at a time where we maybe not be providing any good advice on your portfolio. So Yeah. I definitely can see some changes I would like to make then. Yep. I also sort of how do you look at try maybe rebalance your portfolio back a little bit as well? I'll go back and readjust the waiting just to make sure that you're rebalanced correctly. Obviously, some investments do grow at higher or faster rates than others, which can Yeah. also increase or decrease your risk level and your overall weighting. So readjusting that could also be really important to sort of look at there. But, look, I'm honest, the market's having a bit up and down this year, but all in all the Australian and US markets are actually showing some good performance of late. And so for these two investments to definitely be down there, they are holding your portfolio back this year. So I did wanna come into the call and be honest and open and let you know I've seen this happen, and I do wanna do some make some replacements there for you if you're Yep. comfortable Sure. with me doing that. Yep. That's Yeah.","start_word":774,"end_word":1194,"sentiment":"neutral","sentiment_score":0.008555399528273212},{"text":"Excellent. All good. Other than fine. that, though, the other investments are working really, really nicely. You've got some core composite bonds in there.","start_word":1195,"end_word":1218,"sentiment":"positive","sentiment_score":0.4498729705810547},{"text":"They are defensive in nature. They are showing a positive result for the year, albeit it is a lower positive result. Core composite bonds and fixed can have a negative effect when inflation is high, and we have had some very high inflation, miss Kitty. Sorry. We've also got the S and P 500, which is the second from the bottom. That's giving Yep. you exposure into the top 500 companies in The US there. That is up over all 9.03%. So while that is a bit on the low side for that kind of investment with the ups and downs that has been occurring in the market, the volatility there, we have sort of, as of kind of June this year, seen a bit more of a I wouldn't say it's crazy steady, but it has been a lot steadier in the markets than it was around the April, March, and April kind of Yeah. period there.","start_word":1219,"end_word":1376,"sentiment":"neutral","sentiment_score":0.02747566439211369},{"text":"So we have seen it evening out, and that is actually showing a positive result.","start_word":1377,"end_word":1391,"sentiment":"positive","sentiment_score":0.3560220003128052},{"text":"The other one that's really good to look at is the keywords. That's the fourth one from the top. That is the beta shares Rafi, so giving you exposure to the Australian market.","start_word":1392,"end_word":1424,"sentiment":"neutral","sentiment_score":0.20326247811317444},{"text":"That was performed by 15.49% in your portfolio, So that is really nice.","start_word":1425,"end_word":1437,"sentiment":"positive","sentiment_score":0.3649703860282898},{"text":"It's kind of an indicator I look at that we do sort of look at where Bennelong I mean, Australian equities are still technically doing quite well. Yep. So the fact that Bennelong isn't performing well when it is giving you Australian equity exposure, so it shows it's something within the the fund itself and not so much around the market. Yeah.","start_word":1438,"end_word":1499,"sentiment":"neutral","sentiment_score":0.005777347953088822},{"text":"That's why moving it will be a good thing.","start_word":1500,"end_word":1508,"sentiment":"positive","sentiment_score":0.3899666965007782},{"text":"But, Yeah.","start_word":1509,"end_word":1510,"sentiment":"neutral","sentiment_score":0.21822524070739743},{"text":"yeah, the beta shares Rafi Australia equities has done very nicely as well. A battery and lithium tech is up over 36% within your portfolio.","start_word":1511,"end_word":1535,"sentiment":"positive","sentiment_score":0.49986571073532104},{"text":"And physical gold, we saw a pretty heavy dip around about 80% back in February. Yep. Yeah. But since then, we have had a bit of a steady recovery point from that. Gold's So a that gold's is still a tough one. It can it can have have a fair fair few fluctuations in it. absolutely. Absolutely. But, yeah, in I know. a long in Still a long was, term, it seems to be fairly fairly yeah, fairly reliable. absolutely. And I still was still seeing a little bit of a dip there. It was sort of pretty heavily affected with inflationary pressures, and it's still kind of trying to come out of that slump. So Yeah.","start_word":1536,"end_word":1652,"sentiment":"neutral","sentiment_score":-0.0985143631696701},{"text":"I'm really happy with the gold and what that's done in your portfolio there.","start_word":1653,"end_word":1666,"sentiment":"positive","sentiment_score":0.3791378438472748},{"text":"But, yeah, those other couple, I definitely wanna look at replacing for you. Your portfolio as a whole, if you look at the next page, it does sort of show here that the earnings as a dollar figure in the last twelve months there. So all of your income cost growth there is about $14,616.13, which as a net return after fee, it shows about 5.70%. So it is much on the lower side than where I would like it to be, and I definitely wanna update the advice to kind of see if we can make it work a little bit harder there for you as well. Okay.","start_word":1667,"end_word":1775,"sentiment":"neutral","sentiment_score":0.03728483617305755},{"text":"Excellent.","start_word":1776,"end_word":1776,"sentiment":"positive","sentiment_score":0.5141918063163757},{"text":"The thing that I sort of wanted to touch base on with you to sort of look at how to update your portfolio, because I've got a few different options in mind to sort of readapt it for you. With the Benelux Australian Equities, as I mentioned, that is more of an actively managed fund. So depending on your preference, I mean, having a look at things, as of this month, you're 39. Yep. Don't feel bad. I'm older than you. It's fine. I'm in my forties. You're you're still young.","start_word":1777,"end_word":1867,"sentiment":"neutral","sentiment_score":0.1632752736191173},{"text":"Thanks.","start_word":1868,"end_word":1868,"sentiment":"positive","sentiment_score":0.5511528253555298},{"text":"You don't Is that thank you. A lot of people tell me that, and I'm like, really? sound it. No. Thank you. With the spend along Australian equities, it is more of an actively managed fund. And given that you can't access super until the age of 60, that's the earliest point of this time frame. You've got that twenty one years before accessing there. So Yeah. we Yeah. can, depending Mhmm. on your preference, replace that with maybe another active manager. Active managers within those firms are trying to outperform against the market. You often do pay a little bit more in management fees to kind of have that in your portfolio. Otherwise, I can look at swapping that out with something a little bit more low cost, maybe more to passively manage ETF fund that is tracking the market, which over the long term can actually outperform and do better than these active managers. What sort of your preference? What would you like me to look at when I'm looking at portfolios for you? Yeah. I think I think something that's it's look, it's all it's all a gamble, isn't it? But, you know, I think something that's probably gonna cost you cost you less Yep. to to to manage or maintain is probably gonna Yep. is probably gonna be beneficial. Absolutely. But, you know, it's one of those things you just don't know what the outcome's gonna be. It is it is a Yeah. gamble. It it is there always is, and that's why it's good to kinda review the portfolios and update them on a regular basis. I mean, when we sort of look at things last year, I know your portfolio performance last year was really good. You were at a really good starting point, but then no one could have guessed what we went through this year. Yeah. I mean, Yeah. back in 2020, no one would have thought we were going through COVID in that time either. So Yeah. Yeah. we never really know what's gonna happen. But one of the things I do like to make sure we are doing is that we are investing in portfolios that have withstood those downtime. Yep. There's nothing in there that sort of hasn't been around for longer than five to ten years, and investors that have been been through the downtime, wither the storm, and come back to recover because it shows stability. It shows that they have the longevity, and that they do this kind of environment where there is volatility around. So that's one of the things I do definitely like to look for. But if you're wanting that low cost aspect, there's a couple of different options that I'm looking to replace things with, and I can go back and review that for you. I can also review all the other investments if I find there's, you know, a newer portfolio that might be providing greater growth, as well as maybe lower cost fees and things like that.","start_word":1869,"end_word":2375,"sentiment":"neutral","sentiment_score":0.06643776414838769},{"text":"I can absolutely, if you're comfortable with it, recommend it and show K. you what that looks like whenever we do update the portfolio.","start_word":2376,"end_word":2399,"sentiment":"positive","sentiment_score":0.4205755293369293},{"text":"I do put it into an advice document, so we'll come back and look at that together. I'll go through the recommendations, the changes that I wanna make for you. You'll Yep. get to see the advantages, the disadvantages, the risks involved, and then take that away and decide what you're comfortable taking on board. Does that sound okay? Yep. That's fine. Yep.","start_word":2400,"end_word":2462,"sentiment":"neutral","sentiment_score":0.13676244020462036},{"text":"Beautiful. Fantastic.","start_word":2463,"end_word":2464,"sentiment":"positive","sentiment_score":0.648188054561615},{"text":"On the page beforehand, we will also have your insurance as noted down there. Now your life cover at the moment you've got with one pass gives you a current sum insured of 1,102,500. I'm thinking about the level of life cover you have there, and if you were to then pass away today, your super benefit is also paid Yep. out on top of that. Do you still feel pretty happy with the level of life cover? Did you wanna kinda review that at all? No. I think it's more than adequate. Realistically, we Yes. give when you when you take into consideration the level of debt that I carry, it's more than adequate. Yeah. Absolutely. Mortgage wise, I've got you down here as owing about 360,000 on the home still. Is that correct, or is that reduced a bit? No. Yeah. That's that's come down. So I think the actual the actual figure is something I think around about $333.35, somewhere in that Mhmm. Yep. region. But there's also, like, a 100 and $106,000 in an offset account against it. That's $3.35. 106,000 again.","start_word":2465,"end_word":2650,"sentiment":"neutral","sentiment_score":0.07358845587699644},{"text":"So beautiful.","start_word":2651,"end_word":2652,"sentiment":"positive","sentiment_score":0.3804169297218323},{"text":"So is that $3.35 after you subtract the 106,000, Yeah. or will No. that come It's off before. that $1.30 It's 5 before. So before? realistically, the the negative Yeah. equity part is just under 200 k. Yeah. No. That's perfect. Done really well.","start_word":2653,"end_word":2696,"sentiment":"neutral","sentiment_score":0.04787362366914749},{"text":"Excellent.","start_word":2697,"end_word":2697,"sentiment":"positive","sentiment_score":0.5820435881614685},{"text":"You're definitely a lot more in front of your home loan than a lot of other people are to your age, so Well, that's you know, awesome. I had the benefit of having a fairly small home on as well. Yeah. Yeah. Understand that. Yeah. Understand that. I think I bought my place back about fifteen years ago for 250,000. You can't pay for 250,000 anymore. What if that's what's that? Fifty years ago. Two That's 100 an 50. yeah. Ranchweed Head. So just South of the Gold Coast. Very Oh, no. lucky. That's I've that's only part got of the a very world. small house, but, yeah, Mhmm. I was very lucky to get that property. It's pretty rundown. There's been a lot of work that goes into it. Yeah. Yeah. Yeah. But yeah. Yeah. I understand where you're coming from. Having a small mortgage is definitely a benefit to it. In saying that my mortgage is Yeah. saying that my mortgage is no longer that small. I have an investment property now as well that my kids live in. Yeah. So Yeah. Yeah. my debt level's well and truly a lot higher. But no.","start_word":2698,"end_word":2893,"sentiment":"neutral","sentiment_score":0.07169955968856812},{"text":"That's fantastic. You've done really, really well. That's awesome.","start_word":2894,"end_word":2902,"sentiment":"positive","sentiment_score":0.7416951192749871},{"text":"Are you sort of looking to buy additional property and and, you know, have an investment property down the track, or are you not really worried? No. Not not to be honest with you, I'd be more inclined to invest in a business or something like that. Yep.","start_word":2903,"end_word":2950,"sentiment":"neutral","sentiment_score":0.05190193280577659},{"text":"That's absolutely fine. Perfect.","start_word":2951,"end_word":2954,"sentiment":"positive","sentiment_score":0.3639079928398132},{"text":"Not everyone wants investment properties, and that's absolutely okay. I know with the latest changes in legislation, it does make things a little bit harder for people who want to invest in property, especially moving forward. Yes. Yeah. Yeah. All good. With the the main primary residence, the value we have was about 740,000. What sort of value would you put on that now, do you think? Yeah. I think the last review was sort of somewhere around about that $8.40 mark.","start_word":2955,"end_word":3036,"sentiment":"neutral","sentiment_score":-0.036248963326215744},{"text":"Perfect. Excellent.","start_word":3037,"end_word":3038,"sentiment":"positive","sentiment_score":0.45975106954574585},{"text":"And so the other part of insurance that you do have here is your TBD, so total permanent disability cover. Yep. Do you understand how TBD works, how it is paid, and all the bits and pieces around total permanent disability cover? Look, I get the principle of it. I don't really know how it's Yeah. paid out. I I don't imagine that it's a lump sum, but no. Can you enlighten me? Absolutely. Definitely. So with TPD, total permanent capacity or total permanent disability cover, in the event of a successful claim. If you are 60, one of those little known facts is that it is unfortunately taxed. If you do take it as a lump sum, essentially, the government taxes up to 22% Yeah. of that money, which Yeah. is kind Yeah. of terrible when you think about your level of cover because you've got the same level of CBD as your life. So just Yeah. over 1,102,000 there. There are there's a fun little math equation that they do. They essentially assess your age at time of claim and the age of 65 because that's the the age that all the funds in your system become un preserved, unrestricted without you having to retire. Yep. And they work out essentially they have a fun little equation to work out what the tax is.","start_word":3039,"end_word":3264,"sentiment":"neutral","sentiment_score":-0.00634426437318325},{"text":"It is up to 22%, so it could definitely be worse.","start_word":3265,"end_word":3275,"sentiment":"negative","sentiment_score":-0.6372562646865845},{"text":"If you ever did have to claim on that money, we would then provide advice on how to structure, what to do with. There are some things that we can do to help kind of reduce or minimize the tax consequences. Yep. You can essentially take it as a lump sum for all the money at once, or you can take it as, like, a disability pension where you keep most of it invested and then just draw small amount on a regular Yeah. basis. So there are definitely with things that can be done, but I did like to make sure that that is a factor that is known because it is very little known.","start_word":3276,"end_word":3391,"sentiment":"neutral","sentiment_score":0.04920278489589691},{"text":"Unfortunately, I have come across clients in the past where they've unfortunately become TBD, and they've tried to take all the money out. And they've realized they've lost a couple of $100,000 due to taxation, and it hasn't Yeah.","start_word":3392,"end_word":3430,"sentiment":"negative","sentiment_score":-0.3973306119441986},{"text":"quite funded what they thought it was gonna fund. So Yeah. Yeah. Yeah. And, just actually, like to with with with something like that as well, the the the cost of maintaining life is generally a whole lot higher as well. mhmm. Absolutely. Yeah. Definitely. Yeah. Definitely. The other thing you do have there is your income protection policy. So you do have just a monthly benefit currently of 6,200 in the event that you're unable to go to work in the shorter term there. Income wise, we had you on about a 100,000 last year. Are you on a bit more is that a It's pay rise then? gone up a little bit. Yeah. It's up now a 110. Okay. Beautiful. So if we look at that, now you can be covered for up to 70% of your pretax or gross income there. So looking at a 110,000. That essentially means that you would roughly need to be insured for about $6,416 on a monthly basis. So you are just slightly underinsured there. Yep. Realistically, I ma'am, these sorry. You're right? was gonna say, the other question I should probably factor into that equation as well is that Yes. that figure is not including benefits such as company vehicles or things like that. Should that Okay. be factored in? Well, what they're gonna do is they're gonna ask your pay for the time of claim, Yeah. and they're going to then assess you on your gross pay and your net take home pay and work Yeah. out what you're eligible to cover to cover the cost of expenses. So they're probably gonna subtract off anything for company cars and things Yeah. like that as well Yeah. Yeah. Yeah. Yeah. just because, you know, insurance companies wanna minimize the amount they have to pay out. That's kind of their deal. No. That is fair enough. That's fair enough. No. No. That's fine. So how how it's how it's currently structured, Yep. albeit on the on the low side is is Yep. correct. So it just need I suppose it just needs to be bumped up to a hundred and ten month. Yep.","start_word":3431,"end_word":3792,"sentiment":"neutral","sentiment_score":0.0021055891070494337},{"text":"That's okay. Perfect.","start_word":3793,"end_word":3795,"sentiment":"positive","sentiment_score":0.4277512729167938},{"text":"So with with your monthly benefit amount, essentially, there with you being just it's, like, $200 a month off being 70% of your income. These policies do go through renewal on a regular basis every year as well, and they do increase slightly along with CCI there as well. Did Yeah. you wanna look at increasing your income protection benefit after, or did you wanna just let it go through renewal and slowly increase towards what you need it to be? If we if we I don't know. I mean, I'm not I'm not planning on becoming unemployed Yeah. be because of these reasons, but you never you never can plan for it. I've no. Just leave it the way it is, and we'll just let it naturally naturally increase. Yep. That's okay. No worries. I'm just having a look at what it was last year. So last year in November, you had the monthly benefit of 5,973. Yeah. So, Yeah. realistically, it made it went through renewal, and it increased by about $227, so Yep. on a monthly basis. So if it was the when it goes through renewal, if it kind of if they assess it and increase it along with that mark, then you'll basically be sitting at that 70% mark anyway. Yep. One of the benefits of doing it that way is that by not by allowing it to increase as it goes through renewal, there's no additional underwriting there. Whereas Yep. if we increase the application and do it manually, they'll go back and underwrite it. So it could be more expensive depending on your health and changes. There could be additional loading to exclusion. So doing it the other way, honestly, could work Yeah. out quite fine. And when it Yeah. comes up to renewal time, I'll go back and double check it anyway just to see. It looks like it is not long has renewed. So July, it should renew again. And if you feel like you need to kind of bump it up in the meantime, you're welcome to let me know there. Okay. Yeah. No. That's fine.","start_word":3796,"end_word":4151,"sentiment":"neutral","sentiment_score":0.09549841854009736},{"text":"Fantastic.","start_word":4152,"end_word":4152,"sentiment":"positive","sentiment_score":0.6351281404495239},{"text":"Now you don't have any additional kind of insurances like trauma. Has anyone kind of brought those up with you? Did you wanna look at anything additional personal personal insurance wise? Are you just happy with what you've got? No. I think it would have got spawned. Yep. Absolutely fine. And I'll just increase your income on here. So we're sitting at about 110,000 there.","start_word":4153,"end_word":4217,"sentiment":"neutral","sentiment_score":0.05605324357748032},{"text":"Fantastic.","start_word":4218,"end_word":4218,"sentiment":"positive","sentiment_score":0.4888865351676941},{"text":"Are you finding that you're able to put much the way of savings away on a regular basis, or is everything kinda going into the offset account, the home loan, and reducing Yeah. that? As as as much as as much as we can. Mhmm. I mean, it's you can see it's been a little bit more challenging than usual. We've we've had an additional family member come Yep. along. Yep. So, you know, my wife is off to the next off off until March or April, something like that Yep. on parental Yep. leave. Yep. So, you know, we're we're we're working it on a a one plus a very, very reduced income. So, Yeah. you know, Yep. being able to put being able to put savings aside sometimes is a little bit little bit of a stretch stretch for the the weekly budget. But yeah. Yep. Yeah. I'd say No. That's the same. 8085% of the time, we are regularly Okay.","start_word":4219,"end_word":4381,"sentiment":"neutral","sentiment_score":-0.062275731033342746},{"text":"Beautiful.","start_word":4382,"end_word":4382,"sentiment":"positive","sentiment_score":0.5709394216537476},{"text":"If you saving. had to quantify that savings, how much do you think you're sort of putting away on a regular basis? Generally speaking, it's it's in the region of $600 a week. Okay.","start_word":4383,"end_word":4416,"sentiment":"neutral","sentiment_score":0.07724820077419281},{"text":"Beautiful. Excellent. And so looking at because you're on one income at the moment, and congratulations on the new baby.","start_word":4417,"end_word":4436,"sentiment":"positive","sentiment_score":0.4153823256492615},{"text":"That's very exciting. Like, it's very stressful too. Yes. I understand that. With with that sort of your focus on paying down the mortgage, we'd look at maybe if you wanted to additional contributions and things like that down the track. Does that sound about right? Yeah. Look. There's there's definitely a part of me that wants to get rid of that mortgage, you know, sooner rather than later. But I am caught in a quandary where my wife also wants to do renovations for the house, which are quite extensive. Yep. And those will be about one and a half times what my current mortgage value is Wow. in She's terms of got cost. some real plans. Yeah. That it'll turn into a to change from a three bedroom, one bathroom, you know, a house on a 840 square block to that that's about a 110 square meters to to Yep. something that's about 400 square meters plus outdoor entertaining areas and yeah. I just look at it and go, this is going to slow me down from retirement.","start_word":4437,"end_word":4616,"sentiment":"neutral","sentiment_score":-0.07561247795820236},{"text":"She's got some good plans. Quite happy for the house just to stay the way it is.","start_word":4617,"end_word":4633,"sentiment":"positive","sentiment_score":0.4001366198062897},{"text":"Oh, oh, good. All good. Well, we can always look at additional contributions and things down the track. We'll let you sort of sort the the house out first, Yeah. and Yeah. then you can Yeah. let me know whether this you're comfortable with that. That's not a problem at all, and Yeah. good luck with the renovations.","start_word":4634,"end_word":4691,"sentiment":"neutral","sentiment_score":0.07430963963270187},{"text":"That's a tough job.","start_word":4692,"end_word":4695,"sentiment":"negative","sentiment_score":-0.4482089579105377},{"text":"Been doing that for the last ten years. No. No.","start_word":4696,"end_word":4705,"sentiment":"neutral","sentiment_score":-0.20587456226348877},{"text":"No. It's not fun.","start_word":4706,"end_word":4709,"sentiment":"negative","sentiment_score":-0.3984519243240357},{"text":"No. No. Understandable. Other assets on here I had down is your Land Cruiser. We have a valuation that last year around about 45,000. Would you drop that slightly or keep it around about the same? I think the insurance renewal passed through for the 5 figure this year. Yes. Okay.","start_word":4710,"end_word":4760,"sentiment":"neutral","sentiment_score":-0.035254988928928095},{"text":"Beautiful. Excellent.","start_word":4761,"end_word":4762,"sentiment":"positive","sentiment_score":0.6271203756332397},{"text":"And a camper trailer, do you still have that one there as well? Certainly do.","start_word":4763,"end_word":4777,"sentiment":"neutral","sentiment_score":0.15506453812122345},{"text":"Beautiful.","start_word":4778,"end_word":4778,"sentiment":"positive","sentiment_score":0.5593405365943909},{"text":"Hopefully, you get out of it in the in the future. It'd About be nice. to take Camping? it about to take it away next month for three weeks.","start_word":4779,"end_word":4807,"sentiment":"neutral","sentiment_score":0.09248348325490952},{"text":"Oh, fantastic. Fantastic. That'll be fantastic. Enjoy that.","start_word":4808,"end_word":4815,"sentiment":"positive","sentiment_score":0.49745798110961914},{"text":"Whereabouts are you heading to? Yeah. We're heading south. We're going going to Victoria via the Newell Highway. We're gonna, you know, take the girls to the Dubbo Zoo, and then we'll go Oh, beautiful. further down to Victoria and see see some family. But Yep. Grandfather's just turned 88 or something like that, but, you know, I'm trying to get down there with the kids so so you can see them. And then Yep. we'll Absolutely. do the coast road back to back That'll to be Single Bay.","start_word":4816,"end_word":4904,"sentiment":"neutral","sentiment_score":0.07306568324565887},{"text":"oh, that'll be fantastic. I hope you have an amazing time. Well Thank worth you.","start_word":4905,"end_word":4919,"sentiment":"positive","sentiment_score":0.4657641053199768},{"text":"those memories. Value on the camera I have was about 15,000. Would you alter or change that value while keeping fairly much the same? Yeah. It's about the same. Yep. Beautiful. And any other assets or liabilities I should sort of note down here? No more liabilities. I don't think there's any more assets either. Yep. That's okay. All good. Just checking your state planning as well. So I've got your beneficiary nominations noted down here. So in the event of passing, a 100% of your super and life proceeds are to be paid out to Priscilla. Is that still correct? Happy with the way that's structured? Yep. Yep. Beautiful. And have I've got down here that you don't have a will or power of attorney in place. Is that something that No. you just discussed I'm very about bad. setting Still up? bad. Yeah. Now I need to. It's one of those Yeah. things.","start_word":4920,"end_word":5074,"sentiment":"neutral","sentiment_score":0.020083704963326458},{"text":"That's okay. It is. It is.","start_word":5075,"end_word":5080,"sentiment":"positive","sentiment_score":0.44655975699424744},{"text":"Seeing as losing having that done, especially having kids is really important. They can also incorporate guardianships and things like that. Yeah. So you're sort of protecting all your assets, noting who you want to act on your behalf if you're not able to with your power of attorney, and then structuring guardianship to know that if something happens to the two of you, that someone has direction on who you want to look after your kids, what you want them to do, and how you want everything to be structured for them. So Okay. it can be a bit of a cost to do that, but it is well worth doing. Yep. Unfortunately, statistics show that in Australia, about seventy percent of people do pass away intestate with no will and, you know, no direction on what happened. So it does mean that when that occurs that the court system is pretty well overwhelmed with probate cases Yeah.","start_word":5081,"end_word":5239,"sentiment":"neutral","sentiment_score":0.09639909118413924},{"text":"that can take a long time to have those settled.","start_word":5240,"end_word":5249,"sentiment":"negative","sentiment_score":-0.3517208993434906},{"text":"It also means that people can come out from your past and state a claim, which can make the process even harder as it has to be sort of looked at by a judge. So Yeah. Yeah. not preferable. But, yeah, we'll we'll just keep, you know, touch base on that one. And, yeah, if you get time to go and see a local solicitor and do offer will, you can also so you guys Yeah. are in Queensland. You can also buy the, like, Queensland trust fees if you Google them. Yeah. They can also do wills and power of attorneys via online and over the phone and things like that as well for you. Okay. It can also be cheaper to do it that way if it's more convenient. So if you just sort of look up the Queensland trustee, that can also be another way of doing up a simple wheel kit and putting things in place without having to, you know, go and see a solicitor and sit in their office for a few hours. Yeah. Yeah. Yeah. Yeah. Yeah. No Oh, worries.","start_word":5250,"end_word":5436,"sentiment":"neutral","sentiment_score":0.07828313857316971},{"text":"good. Beautiful.","start_word":5437,"end_word":5438,"sentiment":"positive","sentiment_score":0.620171070098877},{"text":"The only other thing to sort of check on here is additional goals that we've got down here. There's a renovations and the paying and more down as quickly as possible. I had down here a time that you're sort of hoping to retire at eight sixty or thereabouts. Is that still sort of your goal? Is Well, that what we're hoping to track towards? the the goal is is to be in a financial position to be able to do that. Not necessarily Yep. retire at 60, but, you know, have that Yep. choice there. Absolutely. Yeah.","start_word":5439,"end_word":5536,"sentiment":"neutral","sentiment_score":0.06854201245064638},{"text":"You know, at the moment, I'm really enjoying what I do, and there's a good chance Beautiful.","start_word":5537,"end_word":5553,"sentiment":"positive","sentiment_score":0.4479438364505768},{"text":"that I might wanna go go on, but on that that Yes. but I yeah. But, yeah, Absolutely. no. They're that's that's probably the Yep. number one goal, really. Yep.","start_word":5554,"end_word":5583,"sentiment":"neutral","sentiment_score":0.11486513167619704},{"text":"Beautiful. I like it. Excellent.","start_word":5584,"end_word":5588,"sentiment":"positive","sentiment_score":0.675606369972229},{"text":"I've also got down here that in, hopefully, retirement or before retirement, you'd love to do a global trip and maybe go to The US and Europe. Is that still on the card for a goal? Yeah. It's something I look at every day.","start_word":5589,"end_word":5632,"sentiment":"neutral","sentiment_score":0.2928256690502167},{"text":"That'd be nice. It it would be fantastic.","start_word":5633,"end_word":5640,"sentiment":"positive","sentiment_score":0.6395928263664246},{"text":"Yep. No. That's all good. I can leave that on there as a bit of a future goal there for you. Yep. If not, I mean, look, when you retire and you do wanna take that trip, you might be able to then. That sounds like it would be a good trip to take There with no kids. I mean, ideally, it'd be it'd be nice to be able to do it before a time because sometimes when Mhmm. you get to retirement, you don't necessarily have your health, though. Traveling like that is Yes. difficult when you're unwell. Absolutely. Definitely. Is there any other goals that you're sort of looking to achieve down the track that we might need to note down there for you as well? Nothing. No. Nothing really at the moment. I mean, Mhmm. there is there's something in I'm trying to work out right now, but it's as I said to you before, I'd be more inclined to invest in business. Yes. Currently in discussions with the business owner of the company that I work for. We're trying to work Oh, out no. some sort of acquisition plan, but Yep. so that that's a goal, but that one could be a tough one to a tough one to navigate. Yeah. No. Definitely. If you were to sort of buy this like, a business and sort of build that over the time, would that be something you would maybe wanna sell off when you get to retirement, or do you think you'd like to have that work in the background and have employees doing the job for you so you're still earning some income from that business as well as maybe supplementing some super as Yeah. Yeah. It's it's probably well. Mhmm. something that you'd wanna try and keep going as a as a operating interest or Yep. it just depends, I suppose, on what what the industry does in twenty years time as well. Yeah. Yeah. Definitely. And Yeah. so The looking landscape further, is if completely it's working changed. really well, you could yeah. Yeah.","start_word":5641,"end_word":5991,"sentiment":"neutral","sentiment_score":0.05014274918880218},{"text":"Definitely. And, like, if it's working really well, you could keep it working longer.","start_word":5992,"end_word":6005,"sentiment":"positive","sentiment_score":0.3648391366004944},{"text":"Maybe one of the kids wanna jump into it or you keep it as an estate planning thing and sort of hand it down to them later on. Yeah. There's always Yeah. those sorts of options as well down the track. So Yeah.","start_word":6006,"end_word":6048,"sentiment":"neutral","sentiment_score":0.1910773366689682},{"text":"yeah. Perfect. Excellent.","start_word":6049,"end_word":6051,"sentiment":"positive","sentiment_score":0.5903215408325195},{"text":"And with your risk profile, so at the moment, you are in that kind of growth environment there when we think about this sort of risk well, the risk you are taking. And we consider it out of a number between one and five, so five being all invested in equity markets, whereas one being all sitting in cash, Yep. your growth kind of profile is sitting at about a three there. It generally sees about 80% of the super invested in growth assets, so we're looking at Australian international shares with this property and commodities like gold and silver, and then the other sort of 20% in low risk defensive investments like cash, bonds, and fixed interest there. This Yep. sort of when we look at a risk profile return should be able to receive about seven to 9% on a yearly basis compounding that forward towards retirement. And Yep. because we understand that markets do have volatility and there is risk involved, the expected volatility of this kind of environment means that when the markets are really well, we can sort of see up to 11% higher than that 9% or on a bad year where the markets are down, anywhere to 11% below that 7% there as a bit of a dip. Yeah. The likelihood of a negative return occurring is around about one in every sort five years. And Yeah. we this sort of portfolio suits someone who has at least six years there. You've got more than double this ahead of you before accessing those funds there. Yep. Yep. Do you feel like that's fairly comfortable? Did you wanna look at maybe reviewing your risk profile, or are you happy just to stay in that kind of environment longer, and I can assess based on the growth portfolio? How do you sort of feel about that? I mean, based on what's currently there at the moment and, like, do we have any sort of or do you have any sort of tools that would go, okay. Well, based on what's currently there and what's, Mhmm. you know, the average annual growth rate, by this point in time, we'll have this much. Did you have a means of of Yep. of looking at that and then going, okay. Yeah. Well, based on that, we need to look at moving moving to Mhmm. this or to that or whatever. Yeah. Absolutely. I do. I do a lot of that in the back end sort of when I'm reviewing the advice side of things. Yep. So when I update the advice as part of the recommendations, I will only project out to yourself by five to ten years. But in the back end, I do go back and sort of have that twenty one year projected outcome to see what we're tracking for, how this looks. And in the back end, I use more of a conservative rate of return to say, well, this is what the portfolio has been achieving, and this is what's projected for you over the next five to ten years. Yeah. Yeah. But as a worst case scenario, based on the risk profiling, this is where we could end up as a projected outcome. So I Yeah. do do all that kind of reset as part of things, but in the advice, I don't project more than five to ten years because your life could change very heavily in that time frame. Yeah. Yeah. And, I mean, projecting twenty one years, the future could give you a $5,000,000 return depending on the returns that the portfolios receive, and and they'll wanna Yeah.","start_word":6052,"end_word":6660,"sentiment":"neutral","sentiment_score":0.0496091135396746},{"text":"kind of be too project out that far to give you that kind of return because it's not realistic.","start_word":6661,"end_word":6679,"sentiment":"negative","sentiment_score":-0.4353066086769104},{"text":"Yeah. Markets No. go That's up and down and yeah. Sorry. Fair fair fair comment. Fair yeah. Yeah. I suppose I think, you know, I'm as a I'm fairly a risk averse person, but at the same time, I say I say I'm a risk averse, but probably not. The I would be, ultimately, I want it to be able to to grow as much as possible. So, I mean, if that Yep. means that I have to move it into more volatile investment categories or brackets, Mhmm. whatever, to to get it to maybe kick in the ass and get it get it going a bit more. Yep. I'm willing Yep. to do that. And I fully understand that that that also, Yeah.","start_word":6680,"end_word":6803,"sentiment":"neutral","sentiment_score":-0.12760774791240692},{"text":"you know, will expose me to more potential negative growth along with Yes.","start_word":6804,"end_word":6816,"sentiment":"negative","sentiment_score":-0.5276258587837219},{"text":"but yeah. Ultimately, I think when when I first I can't remember his name now. But when I when I first spoke to Mhmm. the consultant when I first onboarded, I think I was the the the the magic number was Yes. to have somewhere right about 1 to 2,000,000 in super for retirement. I suppose coming back to my original question is is based on what it's currently doing and what's there and given the obviously, the very long time frame, Yeah. is it is it likely to get there?","start_word":6817,"end_word":6907,"sentiment":"neutral","sentiment_score":-0.03548472747206688},{"text":"I'm having my Yep.","start_word":6908,"end_word":6911,"sentiment":"negative","sentiment_score":-0.372778445482254},{"text":"doubts, I must admit. But That's okay. Did you want me to look at the growth environment and see what that does and how that looks over the next five to ten years for yourself? I can project in the back end to see where we're sort of tracking for, yeah. and maybe if that's not gonna work, if we maybe need to bump up the risk a little bit, we absolutely can. Yeah. The the other side of it is I mean, sort of talking to you, you are probably in that right sort of range.","start_word":6912,"end_word":7008,"sentiment":"neutral","sentiment_score":-0.038662564201453295},{"text":"It sort of feels like there's a little bit of nervousness to take on more risk in the market.","start_word":7009,"end_word":7027,"sentiment":"negative","sentiment_score":-0.3550557494163513},{"text":"And, look, honestly, that's okay. For someone your age and even my age, being in that growth or high growth environment is pretty normal. There's about a 10% difference between the two.","start_word":7028,"end_word":7059,"sentiment":"neutral","sentiment_score":0.0014522026758641005},{"text":"But sitting in this growth environment, you can still receive really fantastic returns. You know, we Yep. might receive a 20% one year, a 10% the next, a 2% the next year, and then back up to a 14% the following year. And there's absolutely nothing wrong with that.","start_word":7060,"end_word":7108,"sentiment":"positive","sentiment_score":0.45449796319007874},{"text":"And as we get closer to accessing super, as your life changes, we start to pull back on the risk level, but we can also then increase contributions Yep. in. And there's also the possibility of wage increases along the way, so that Yeah.","start_word":7109,"end_word":7152,"sentiment":"neutral","sentiment_score":0.27368560433387756},{"text":"means that contributions could increase as well. That can provide additional growth.","start_word":7153,"end_word":7164,"sentiment":"positive","sentiment_score":0.38012731075286865},{"text":"And when we kinda get our balance up to that sort of $2,200 to $2.50 mark, then it kinda helps the compounding effect. Like, if you think about a 5% return on someone with $50,000 in super, that's essentially sitting there. They're getting a $2,500 return. The same 5% return for someone with $500,000 in super is 25,000. So that same level Yeah. of return compounds and grows even more. So we Yep. kind of slug it out for the first, you know, 40 odd to where, like, forty, forty five realistically to get our super balance up that high. It Yeah. feels Yeah.","start_word":7165,"end_word":7268,"sentiment":"neutral","sentiment_score":0.12131889164447784},{"text":"like a better sense to be a lifetime away.","start_word":7269,"end_word":7277,"sentiment":"negative","sentiment_score":-0.410845011472702},{"text":"Yeah. And then once it gets that $2.50 2, $2.","start_word":7278,"end_word":7287,"sentiment":"neutral","sentiment_score":0.005362122319638729},{"text":"50, $300,000 mark, then the compounding effect really jumps in, and you sort of see those changes occur a lot easier and a lot faster.","start_word":7288,"end_word":7311,"sentiment":"positive","sentiment_score":0.617419958114624},{"text":"Yeah. Did you did you probably just look at the growth portfolio to start with? We can look at that for maybe this year. Just get your super working a bit harder, replace some of those underlying investments that are underperforming a little bit, Yeah. and then Sure. we maybe come back in six months' time, see how that's working, and then we maybe adjust the risk level if you feel more comfortable. Does that feel like a comfort level for you? Yeah. Yeah. Yes. Yep.","start_word":7312,"end_word":7397,"sentiment":"neutral","sentiment_score":0.1274281144142151},{"text":"Yeah. That's all good.","start_word":7398,"end_word":7401,"sentiment":"positive","sentiment_score":0.4804489016532898},{"text":"You're still very young, so we can always adjust the risk level as you definitely need to. I just don't want you to feel like you have to jump the risk level up if you don't you know, if you're really not comfortable to do so. No. I And mean, I mean yeah. I understand. You're right. Sometimes you gotta take risks to to to get that reward. It they don't always pay off. But, you know, at the same time, I do I do have time on my side. You do. Yeah. Yeah. I'm not gonna I'm not gonna leave it. I'm not gonna leave this till I'm 50 and go, well well, I should've done something different here. Yeah.","start_word":7402,"end_word":7522,"sentiment":"neutral","sentiment_score":-0.023286746814846992},{"text":"And, look, you're you're definitely gonna be in a lot greater position than a lot of my current clients. I do have a lot of the older clients on Outlook who are retiring a lot earlier. And because super wasn't a factor for them, we're pretty lucky that super was, you know, a factor when we first started working with being gaining it and compounding it a little bit longer. So we are gonna end up with a lot more in retirement than a lot of people who are retiring now.","start_word":7523,"end_word":7613,"sentiment":"positive","sentiment_score":0.5125250816345215},{"text":"So at Yes. the moment, we're doing a lot of job expensive and retirement and trying to make money last a little bit longer and drawing down less than we actually need to kind of give that to make sure things work and and stay invested as long as possible, whereas you and I are gonna have a very different kind of retirement. And our kids, again, are gonna have a very different retirement as well. The main Yeah. difference is money is gonna be worth less in the future, so we may need to draw out more to cover our expenses. But there's nothing wrong with just sticking with that growth environment now if that's your comfort level. And then we review it in six months' time. We look at whether this new portfolio is working. If it is right, if it's not, we readjust it again. If it's, you know, you're happy with things, you wanna just bump up the risk level, you feel like it's going really well and you wanna kinda take a little bit more, then we can always bump that up then as well. Does that feel comfortable there for yourself? Yeah. Yeah. Do you feel Yeah. Yeah. like that's a good plan? Yep. Yep. Yes. That's fine.","start_word":7614,"end_word":7827,"sentiment":"neutral","sentiment_score":0.0555437650253004},{"text":"Beautiful. Excellent.","start_word":7828,"end_word":7829,"sentiment":"positive","sentiment_score":0.5722470879554749},{"text":"I sorta just wanna don't want you to feel like you have to do everything at once. It's okay to sort of work in in increments and start slower and build on that because your super dump is at 200 k now.","start_word":7830,"end_word":7871,"sentiment":"neutral","sentiment_score":0.1046650931239128},{"text":"So it is really good.","start_word":7872,"end_word":7876,"sentiment":"positive","sentiment_score":0.5691746473312378},{"text":"It is working, and we'll sort of wanna make that compounding effect work a little bit harder for you. So if we start by doing that, I can make sure we do a catch up in six months' time. We'll see how things are tracking for you, and then, you know, do the advice first. Set Yeah. a catch up in six months, and then Yep. come back and see how things are tracking and whether we need to adjust things further for you. Yeah. How No does worries. that sound?","start_word":7877,"end_word":7967,"sentiment":"neutral","sentiment_score":0.09775598347187042},{"text":"It's not fun.","start_word":7968,"end_word":7970,"sentiment":"negative","sentiment_score":-0.48329758644104},{"text":"Yeah. Excellent.","start_word":7971,"end_word":7972,"sentiment":"neutral","sentiment_score":0.16529417037963867},{"text":"Excellent. All good. Beautiful.","start_word":7973,"end_word":7976,"sentiment":"positive","sentiment_score":0.38914933800697327},{"text":"So I'll go back and do some research and update the advice. Just takes a couple of weeks to put things together for you, Yeah. but No worries. my team will book you back in once they've got that research completed. Okay. The only other documents in the annual review pack are they've got a copy of the certificate of currency with your insurance information so you can kind of have a bit more detail around that as well. Yep. And then we've also got the financial services guide in there. So if you wanna have a look at what I look like and all my licensing information is in there for you as well. And the document attached is the ongoing service agreement for the next twelve months there. So you are on the ongoing service fee of 1.65% per annum. That just continues for the year.","start_word":7977,"end_word":8124,"sentiment":"neutral","sentiment_score":0.1231617943660633},{"text":"So if you're happy to stay on board, want me to keep working and trying to make things work better for you and work towards your goals, I'll just ask you to sign and return that one back there for me.","start_word":8125,"end_word":8165,"sentiment":"positive","sentiment_score":0.4182657301425934},{"text":"And, please, if you do find you have any questions, you're welcome to let me know.","start_word":8166,"end_word":8181,"sentiment":"neutral","sentiment_score":0.24957990646362305},{"text":"Happy to touch base whenever you want. I think one thing I do wanna do this year is make sure we are still touching base a little bit regularly.","start_word":8182,"end_word":8210,"sentiment":"positive","sentiment_score":0.4239138066768646},{"text":"So my team are booking people in at least every six months just to see if you want a bit of a catch up just to see how things are tracking Yep.","start_word":8211,"end_word":8242,"sentiment":"neutral","sentiment_score":0.2270924896001816},{"text":"just so we can kind of pinpoint when things need to change there for you to keep your super on track. It make it a bit easier. Good. No worries. Sounds good.","start_word":8243,"end_word":8274,"sentiment":"positive","sentiment_score":0.4007270038127899},{"text":"Yes.","start_word":8275,"end_word":8275,"sentiment":"neutral","sentiment_score":0.29908788204193115},{"text":"All good.","start_word":8276,"end_word":8277,"sentiment":"positive","sentiment_score":0.37261074781417847},{"text":"Do you have any questions? I know I touch on a lot, and I'm very sorry. But is there any questions or anything that I haven't sort of tapped on that you might want to ask me or have me look at? Or No. I think I think everything's been fairly well covered off. yep. Beautiful. No. Beautiful. I think Just so. need to get these returns working better.","start_word":8278,"end_word":8346,"sentiment":"neutral","sentiment_score":0.02459145337343216},{"text":"It is super working better and get these underperforming investments going for you.","start_word":8347,"end_word":8359,"sentiment":"positive","sentiment_score":0.34606364369392395},{"text":"Yeah. Yeah. Yeah. See see see it start trending upwards more than, you know, Absolutely. up and then down. Yeah. Yeah. Definitely. Sometimes No. you look at it, you Absolutely go, it seems like understand. it's seems like it's taken two steps forward and three steps back, and you go, what's going on? Yeah. Anyway, Sometimes it can feel that yeah. way. Yeah. No. Absolutely. I learned a Well, lot I'll of things. get stuck into that absolutely. I'll get stuck into the reset, see what I can do with the portfolio. I'll come back with the advice document. We'll go through that together. I'll show you what I'm changing, how it works for you, what it looks like, the advantages, the disadvantages, the risks involved, and then you get to take that away and decide what you wanna do with it moving forward. Okay. No worries.","start_word":8360,"end_word":8506,"sentiment":"neutral","sentiment_score":0.09818427462358864},{"text":"Excellent. Well, thank you so much for your time. I hope you have a lovely afternoon. Thank you. You too. Thanks, Ashley. Enjoy your weekend with your family. Enjoy your three weeks away. That'll Oh, be amazing. certainly try. It'll be good. Yeah. It will be good. Lovely. Yeah. All Easy good. done. I'll talk to you very soon. I Thanks, appreciate Donna. your time today. No worries Thank at all. you. Thank you. See See you you.","start_word":8507,"end_word":8584,"sentiment":"positive","sentiment_score":0.6016113758087158},{"text":"later. Bye. Bye.","start_word":8585,"end_word":8587,"sentiment":"neutral","sentiment_score":0.1530759185552597}],"average":{"sentiment":"neutral","sentiment_score":0.0744208453542925}}}}