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Has it cooled down a little bit? Good to hear, mate. Good to hear. I was just giving you a call to go through your annual review if you still have a few minutes for me. Fantastic, sir. Before I send through your annual review pack, I just wanna let you know that the calls are always recorded for training and quality purposes. Are you okay to go through a quick security check with me? Awesome. Now we don't have a security question on file, so I just wanna let you know that I am registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Fantastic. Fantastic. Now, Sam, I have a full pack ready to go. I'm gonna shoot it through to your Hotmail address. Is that still current Sam underscore fit? Awesome. Will you have access to that today to look on with me, or do you want me to just kind of explain what's there? That's okay. There's a few documents which would be really cool for you to look at after this call as well. Your Superfund with Hub 24, they've got this new engaged function that they've done, which produces some really cool looking reports that are a little bit easier on the eyes than the usual ones. It's not just a table full of numbers. So I've attached that extra report there as well for you. Before I jump into the details of the strategy, I just wanted to ask you if there's anything in particular you wanted to get out of this year's review. Yep. Just a bit of a general update. Nothing too crazy has changed on your end. Awesome. Awesome. So one of the things I would like to do is I wanted to update a few of your details on file. We have changed systems over Christmas, and I just wanna see if there's been any major changes there. And then I'll dive into your super performance. We'll quickly touch on your policy that's attached to your hub account, little bit of a site planning, and we can go from there if that's okay. Awesome. Now goals wise, we had you retiring at the age of 65, trying to produce an income of about $1,500 a week after tax. Ideally, obviously, if we can try and get you to retire a bit earlier, that would be nice. You can access your super at 60. Do you have a bit of a preference on trying to retire as early as humanly possible, or are you okay to work through to those later years? What's your preference? It's very strange. I asked that question a couple of thousand times, and it's actually been a fifty fifty split. Half of the people tell me if I won the lotto tomorrow, I'd be out of the rat race, and the other half go, I wouldn't know what to do with myself. I always wanna have something to do. So it's a pretty interesting question to ask, but you seem to form the let's build it up as quick as possible. Yeah. Yep. That is true. That is true. Mate, there was a few other things going on in your life since we last spoke. You're really just focusing on, obviously, paying down your mortgage and basically just getting that debt free by retirement too. Can I just quickly check with you? Because the property market's gone a bit strange. We had your value of your home at about 650,000, and you were owing about $3.20. Do you reckon that's changed significantly? Yeah. Yep. Maybe around 700 would be a good estimate. Yep. And do you reckon you've paid down much more of that mortgage below 300, or have you when was the last time you checked? That's okay. Yep. Do you want me to leave that at 03:20 for the time being? Yep. No worries. Other assets and liabilities, we had a motor vehicle valued at 40,000 and another car valued at 15. Do you still have both of those? Awesome. We don't have anything listed in the way of savings. Do you have much in the way of an emergency fund, savings in an offset account, anything like that? Yep. Are we talking $5.10, $15.50? You don't have a million dollars floating under the mattress, do you? Cool. I'll go fifteen for a low estimate just to be conservative. Anything else in terms of assets? No shares, crypto, anything else floating around? Awesome. And do you have any other loans, personal loans, credit cards, anything like that that I have to take into account? Harmony? What type of loans do Harmony do? Are they, like, personal loans? Or Yeah. Yeah. Personal loan. How much would that be sitting at? Yep. 10. Not too bad. And in terms of, like, cash flow, so we had you as a carpenter earning about 85,000. Is that still correct? Curtains and blinds. Fantastic. Yep. So do you want me to leave it at the 85 income wise? Do you think it would have gone up or down a little bit? Yep. Now I need to. Curtain's in one still on the train. Perfect. And what I did notice was your contributions had switched around from the employers. So you're currently with let me guess it. Let me guess it. You're with Freedom. Now you're with O'Brien. Awesome. So employer name was Wild Homes at the time. Should I update that to O'Brien? Okay. I'm gonna have to quickly double check that again with you. So t y o O'Brien. And what was it? Something curtains and blinds, did you say? There we go. Dollar curtains and blinds. Fantastic. No. That's okay. I can match those up. That is no worries. Still full time, that kind of thing. With curtains and blinds, are you it said that you were kinda still working at some kind of heights, but nothing over 12 meters. I'm assuming most of what you do is kind of like indoor curtain and blinds installation. Yep. Awesome. So we go window height, one or two steps. That is brilliant. Family wise, we had you married with Kayla, and you had three children as well. K. Is your youngest over 18 now or still about 17? Yep. Okay. So that's still current. Perfect. I thought maybe that was a bit out of date. Phone number and email address is still the same. Home address is still the same. That's perfect. Last couple of things here is you've never gone through any bankruptcy or debt agreements before, have you? Perfect. This one's a little bit of a weird one, but it's a new question from us, and we do have to double check. Are you considered a member of a foreign tax residency by any chance? No. Awesome. And we did have a note that you did have in place, like, a will and a power of attorney. Is that correct? Awesome. Would that still be current? It's not out of date or old or anything like that? Perfect. Amazing work. Alrighty. That's pretty much it. Anything else on the cards for you guys in the next sort of three years that are important cash flow wise or financial goals? Yeah. Yeah. Like a self managed fund or something like that. Well, that is one of my favorite topics, and we've been talking about that a lot with people recently. I'm gonna pull up your account. Just please bear with me. My laptop is going very slow, and I wanna get you today's figures. I've sent all that through in the reports as well, but it's looking pretty good. Okay. So you're sitting at a $178,006.52. One thing I'll quickly touch on just before I answer that question is more around the recent fluctuations because what basically happened is after Christmas, stock market's taken a bit of a dive with the war in Iran, and you actually had a bit of a drop from a 184 down to $1.67, and then it's bounced back up to $1.78 $6.05 2. So it's kind of bounced back just in a week and a half's time. Now when it comes to, like, cell phone and super funds, so with all of these funds, you're with Hub twenty four. We call it a wrap platform. It has the most kind of investment options in the industry. There's about 1,300 options. We can pretty much invest you into anything in terms of shares, property, gold, infrastructure, term deposits, anything that we need to do to get you, I guess, a diversified portfolio, I would say, to try and get you to that retirement goal. Now if you go through for, like, a self managed super fund as an example, you might pull your super together with your partner. And, basically, what you've gotta do is with an accountant, you would set up your own super funds, which means you would set up, like, a trust fund. And as a trustee, you would set up a like, a company is pretty standard. So, like, a trust fund and a company. The advisers such as ourselves, we usually do self managed super fund advice, like which bank account should you go with to pull your money into. Once you've purchased a property, how can you invest the rest of the funds alongside the property so you've got both of them working together, if that makes sense. Now when you go to borrow, borrowing's a little bit tricky on your super because there's a lot of regulations and restrictions. So they call it an LRBA, limited recourse borrowing arrangement. And all that really means is you have to be careful borrowing money on your super. So you have to actually set up a whole another trust and trustee. So you got two trust funds, two companies. One's called a bare trust as opposed to a normal trust that actually holds the loan itself. So there's a bit of work that goes into it. Probably costs on average about $5 to set all of those entities up, another $5 for the advice, and then you've got to actually go out, find the property, and get the loan. So they can be quite a bit involved there. Now just having a look at what's been going on with the super at the moment, you're in what I would call, like a high growth fund. Does that ring a bell? Yep. So most of your money is in, like, shares, property, and gold, trying to get those high long term returns. Average benchmark, I would say, would be about 10% would be the average that we're trying to hit to get you on track for the retirement goal. Does that make sense? Yep. Now when I go through your performance report, even despite the market going pretty crazy, you've still cleared a 15% return after fees. So you're actually one of the best ones I've seen at Oakview and around the industry. You've kind of outperformed pretty much everybody. It's actually going very, very well at the moment. One thing that I wanted to kind of double check with you is, obviously, in order to kind of retire earlier, you still need to get some high long term returns to build it up because you can't retire on a $178. We need to get you up into those, you know, 750,000 million dollars, that kind of ballpark. Does that make sense? So when you're growing your super, high growth's okay when you're a bit on the younger side. But once you've built up those funds, you do need to protect it at some point. So when you get close to retirement, you probably don't wanna be 63 sitting in high risk, and then you lose half your super a year before you go to live off of it. Does that make sense? So what that basically means in between is if you stay high growth, it's gonna go up and down like a bit of a roller coaster ride. Do you ever log in to your hub to keep an eye on it, or was that more just leave it in our hands? Yep. Anything crazy there? Were you were you worried about it, or are you okay with how it's been going? Yeah. And 100 percent. One of the things that I I tend to talk clients through, and I I try not to use too much finance jargon because it just gets really annoying after a while, is we talk about the term of volatility. Right? What tends to happen when these events happen and everything pops up on the news is your soup is kind of growing along nice and steadily. And then once the news kicks off that there's a war and an oil crisis and all this kind of thing and interest rates moving, it tends to go up and down a lot faster. So higher highs and lower lows. Now one of the, I guess, the reassuring things is you look at these, like, we call them market cycles. Every seven years, the soft market grows up, and then it crashes. It grows and it crashes. It grows and it crashes. And, basically, if you remember, we had the GFC back in 2009. We had COVID. Now we've got this situation, which could turn into something similar. That type of pattern just keeps repeating itself forever. Does that make sense? Yep. So what tends to happen there is usually, it's okay to kind of use these opportunities as maybe even a bit of a buying opportunity. The stock market dips for a little bit. Your contributions go in. You can buy some shares, property gold for a cheaper price. And then when the market bounces back, you get those high double digit returns. So what tends to happen is your super could go up ten, twenty, 30%. It could go down 15%. What we're trying to do is average it out at that 10% over a long period of time. So what that equates to dollar terms for you is because of your income level, let's say your employer is putting in their usual, like, 12%. You could have 9,000 going in, but because you're sitting at a 178 now, if the market goes up or down 10%, we're talking $20,000 up, $20,000 down. So your super is now growing more than what you're putting in in contributions. So what I wanna check with you is, are you kind of okay to still focus on that kind of long term return while you've still got that twenty years to go? Because we would normally look at protecting it and reducing the risk in the last seven years or so. Yeah. And, look, it's not really even leaving things to chance really because one of the things that people ask me is like, hey. When the world's on fire, can you just put me in something safer and then put me back in when everything's okay on the news? And it's just what I've found over my career over the last sort of twelve to thirteen years is no one can time when to do that no matter how good they are, not even Warren Buffett. So what tends to happen is I say this all the time. News kicks off with COVID and someone super crashes down. They pull it all out to cash, which is like selling everything, and you crystallize that loss. Like, your house goes from $600 to 500. I'm gonna run off and sell that house. And then all of a sudden, six months later, you find out that the house market's back up, and you've got to go back in. So what we tend to say is, like, are you comfortable, like, riding out those waves in the short term? Let your contributions buy up everything as long as the investments are good. K? Now I'm not trying to be irresponsible with your super not trying to sit there and say, hey, mate. Yeah. Let it crash down to $90,000 or something silly like that. But it's just making sure that what you're in over time is gonna get you what you need. Now one thing that I can see here, which is the only worry that I've currently got, you've got about eight different investment options. So some of it's in gold, American shares, Australian shares, property. Most everything's done very, very, very well. That's how you've gotten that 15% return. Are you able to see that report that I've sent you through, or should I kind of just run you through what's in there? Yeah. There's a hub one there, and it's a twelve month performance. And it's basically just got a big silly looking table with a whole bunch of numbers all over it. So I'm gonna pull this up. Just give me one quick sec. So I pulled out about seven reports from your super fund, and I'm just trying to let it load. Here we go. It seems to be crashing. Bear with me for two seconds, mate. There. Gotcha. K. So the total portfolio return, 15 and a half percent after fees. That's great. Most of the ones, if you can see that table, it should have a whole bunch of codes on it. Like, the left hand column, it says b h y b and hack. Can you see all that? Cool. Right hand side, you can see the returns in percentage terms. So if you look in the middle, you can see most of your funds sitting there at 22%, 13, a 100%, 33. Like, the growth is just insane. The only one that's underperformed is the Australian shares at the top. See the Bennelong one? So that one's gone down about eight or 9%, whereas the market's only gone down about six. So it's kind of underperforming a little bit compared to everybody else in that Australian shares. So what I'm basically telling you is everything's above average. You're getting the target. Everything's performed well, but that one option has been underperforming for a little while. I would probably look at switching that out. Now one question I do have for you, and, again, I'm gonna make a recommendation for you, but I just wanna get your gut feeling on this. If you had to pick between low fees and it just follows the market closely or you pay some slightly higher investment fees to try and get a better return, which way do you lean? Which way is your gut telling you to go? No. That's fine. You're currently in a mix of both. So we've got you in a mix where most of your money is in low fee investments, and a couple of little satellite options where we've got small amounts is in the active side that pays a little bit higher to try and get a little bit more. They're kinda like sled dogs that pull you along a little bit quicker. Does that make sense? So if you're comfortable with that style and things are going well and it's on track, I can keep with the same style. I can just switch that one option out for something that's a bit better like for like. So same style, but better performance. Cool. So what I've gotta do in that case is we do a little bit of research. We've got about two or three funds that we've been looking at recently. I will do the comparisons up and update your statement of advice, which has all of your figures and goals and everything in it, and then we'll run through that together, make sure you're happy with what I'm thinking we should change. And if you're good to go on that, I can switch it around a little bit. Cool. Outside of that, again, there's been no, like, major changes in terms of fees or features for the superfund, so there doesn't seem to be much of a reason to look at changing superfunds. Again, it's more just about the portfolio under the hood. Just bit of an engine tune, I would say. K? One thing in terms of, like, contributions and everything is now that they've changed the legislation, your employer is about to start putting it in every pay rather than, like, on a quarterly basis. So your contribution is gonna be coming in a lot more frequently, and they're gonna buy in a lot more frequently, which is really good for you. It basically means that rather than waiting three months and missing an opportunity, if it's coming in every week, you get to buy every single week. So we call that dollar cost averaging. That's gonna be really good for everybody super. I am actually personally quite excited for that myself. Now in terms of that $90,000 income that you have, I'm basing everything off what your employer puts in. Are you looking to do any, like, salary sacrifice at the moment? Are you wanting to put $50 a week into your super, get a bit of a tax deduction for it, or are you trying to focus your cash flow on, say, the mortgage? Yep. At the moment, like, you're tracking really well for your age. You've got a decent balance. You're in high growth. You've a pretty good income. So your contributions and your growth should get you to a pretty good balance by the end. You don't have to rush off to do extra contribution today. It may be something that you do late forties, early fifties. We can even do a few things after 60 as well, like a transition to retirement strategy. There's all kinds of things we can do. I just wanna kind of tailor it to what's going on in your life. So now we did have you saving at about a $100 a week. Have you talked with your partner about putting aside some some extra savings, extra repayments to the mortgage? How's the cash flow going? Yeah. Yeah. Right. How much is Bartley gonna cost you? Yeah. I mean, you might only spend 5 or 10 in Bali as opposed to 20 or 30 in Europe. Right? Cool. I might just put that down as one of your goals just so we can track that that's important as well. A bit of a Bali holiday in the next twelve months. Now would you say a $100 a week is still what you're able to put aside after all your expenses? Has that gone up with your income? Has that gone down with the cost of living and fuel? What what are you thinking? Yeah. Yep. So that all just goes into savings. Are you are you making, like, actual extra repayments, or do you guys use, like, an offset account? Perfect. Amazing. Cool. Cool. Cool. Now when you mentioned before possibly using your super to buy investment properties, are you looking at doing any investing personally? Buying investment properties, getting into some shares of managed funds over the next ten, twenty years, anything like that? Yeah. So there's really no, I guess, wrong answer when it comes to investing as long as you don't overextend a bit too much. So your two real options are, you've got a bit in the way of equity, so you could potentially borrow off the home and buy an investment property. Are you thinking of staying where you are for a while? Once they go, are you gonna upgrade homes, downsize, move states? Yeah. Totally fair. That's a big one. That is a big one. Trying to reconcile that they're 18 and they're almost out of home. Yeah. That's a tough one, mate. Mine are only six and three, and I've got another one on the way, so I'm well off that stage. But are they do you reckon they're all gonna be out soon? Are they pretty reliant? Are they pretty self sufficient? And that's one of the things. Like, when I talk investing for people, sometimes they like investing to build up some funds for when the kids turn 18. Your kids are very close to that point anyway, so it's not you're not gonna be able to build up too much unless you just pile in the savings and help them that way or, you know, like you said, let them stay at home and build a deposit, go guarantor on a loan one day. That's probably the the things that you might be able to do. So what we can do is, like, we can obviously, we're looking after the super at the moment. If at any point you and Kayla wanna look at some investing, whether it's property, even your your Hub 24, they give you investment accounts like your super account, and you can put it in something safe, medium risk, high risk. We can build a whole different portfolio in there, and you can have it on the same login. Like, if you wanna do a bit of a dip your toe in the water with $10 one day and slowly build that up in the background, we can do that too. Or, again, you can borrow, get an investment property. Really up to you guys. Cool. Cool. Sam, one thing I did see is on your hub account, we don't have your beneficiary up to date. Were you still wanting to nominate your partner to receive the super? Yeah. Oh, that's what I wanted to check because when you do a super nomination, you can direct the super fund with one of these forms for the Supergo directly to your partner, and it's the quickest way you pass away, Supergo's in her name, all that kind of thing. But if you specifically wrote in your will for your super to be involved in the will, then we can aim your super to the will. So if there's no nomination currently, that's an issue. If you did do the super in the will, we can do a legal personal representative nomination to put it in that direction. Do you remember if you put the super in the will? Goes to your partner. Yeah. So what I might do, if you can have a quick chat to your partner about that, just double check because either way will be okay, but we just wanna get the right nomination. Are you okay for me to send you the hub beneficiary forms? And then we can just put on there either her directly. That's the quick way it's tax free. If the will's taking care of it, we can do that type of nomination too. Yeah. When you do the forms, it's really easy. So when you get to the nominee for who you wanna nominate, you can literally either put her name down and say a 100%, or there's literally a box that says legal personal representative, which is your will. So either one. And you've just gotta get it witnessed by two people who are not your beneficiary and a little bit of an ink signature because it is a legal document. You can choose for it to be this is a bit of a strange question. You can choose whether you want it to be legally binding or not. So legally binding means the super fund has to do it. If it's nonbinding, then the super fund has discretion on who it goes to. The other question that's a little bit more serious is do you want it to expire or not? So you can have it expire every three years, or you can make it continuous. That's called non lapsing. Do you have a bit of a preference either way? Yep. Just a straight up legally binding. Doesn't expire unless you change it. Direct. Yep. Perfect. Perfect. Perfect. I'm gonna double check that that's on your insurance policy. Just bear with me for a second because I had your, like, your life insurance open just before, and I wanna make sure that's there as well. So I'll double check both. So what may come out to you is either a hub beneficiary or the hub and the insurance. It'll have a cover letter with some instructions. If you have any trouble, just call the team on the office number. They can walk you through it over the phone in two minutes flat. Is that okay? Perfect. Let me just grab up this certificate of currency for you. Here we go. There it is. PS1634 is your policy number. I've got that there. There we go. MetLife. So you have pretty well a full suite of insurance cover through MetLife. I'm gonna double check that your million dollars worth of life insurance is going correctly. If there's no nomination on that, we'll get that fixed up too. Now last thing I want to go over with you, just with this policy, you've got a million and 50 worth of life insurance and total disability. So if you pass away, never work again, there's a million dollars plus your super. That pretty well knocks out your mortgage and leaves you with, oh, jeez, almost 900,000 left over. Now what does that kind of do for for Kayla and the kids? So if you let's say you can never work again. Mortgage is paid off. There's $8,900,000. What does that kind of do for the family? Yep. Main one. And then it's really just, like, replacing the lost income. Right? Are you kind of like the breadwinner of the family? Do you guys earn equal amounts? Oh, yep. All the soft benefits there with the government work. Oh, beautiful. She gets all the best stuff, and you've got to do all the fancy strategies to catch up. Look. I have I I'll be lying if I said I hadn't considered going to the public service one day to get a bit of a cushier position, but maybe that can be when when I'm bit older. What I was basically gonna say, your $90,000 income, that pretty much leaves you 70 grands after tax around about, like, not taking into account tax deductions. So if I go a million and 50,000 plus your super minus off your mortgage, look, we'll go after $3.20 for now. $90,870,000. So it gives you about thirteen years of income replacement after paying off your debts. Does that sound okay? Yeah. One of the things too is, let's say you're sitting there with 900,000 and you can never work again. You can invest that and live off the growth of it as well. So that 900,000, that can last like as if you had a million dollars of super and you were retired. So at the moment, I don't see any major issues in terms of, like, the cost of the life insurance. Like, it's $600 for the TPD a year at a super. It's it's not really hurting the super too much in terms of cost and premiums, if that makes sense. But one of the things I was thinking is over time as you pay down your mortgage, you can trim it down because it gets more expensive when you get older. And if you don't have a mortgage anymore, well, then maybe you don't need a million dollars anymore. So at the moment, if it's not hurting the super too much, are you okay to leave that amount of cover for now, and then we'll sort of see how it looks in twelve months? Perfect. Lucky last thing is you do have income protection as well. So if you're out of work for more than ninety days, that will kick in 5,100 a month worth of income replacement all the way up to the age of 65. So what that's basically saying is that you've got enough savings to last a couple of months if you were out of work. Would you guys be able to get by for a couple of months? Her income, bit of the savings, and offset until that cover kicks in. K. Again, we can always shorten the waiting period. It does make it more expensive, so I was wanting to run it by you. Now when I've got your income there, if I look at that, the maximum is 70%. And if I work that back, that is 5,250. So technically speaking, you're a tiny bit underinsured for your income. But if you're telling me that 5,100 a month is okay to live on and you guys will get by with the mortgage repayments and everything, Don't have to increase it. Just wanted to run it by you because your incomes increase. You can increase your insurance or just leave it as is. K? Just we're gonna keep an eye on this one because the income protection, it's the more expensive one. It's almost $2 a year, and you get a 15% tax rebate off of that out of the super. So that has a bit of an impact. If that increases, you probably don't wanna be paying $6.07, $8,000 when you're 50 if you don't need all that insurance. So we will have to trim it down at some point. One of the things too, you know how I mentioned salary sacrifice before? When you're all good with your goals for your mortgage and everything, if you put it in to offset the insurance costs, you get that tax deduction for the salary sacrifice. It's almost like paying it out of pocket where it's fully deductible. So if at some point, we need to offset it by putting in that $50 a week, it may cost you, say, 35 in the hand because they put it in, like, pretax. So it's a way of getting $50 in the super. It costs you 35. You get a lovely little deduction there, and it covers costs, boost up your super. When it comes time to do that, we can revisit that as well. Cool. Cool. Mate, do you have any questions for me at the at the moment? I've gone through quite a bit with you so far. Yep. Look. Everything is looking pretty good. You don't have trauma insurance, which is for heart attack, stroke, and cancer. But, again, you're a bit tight on the cash flow there. Are you just happy to leave the life keeping in income protection, or do you want me to get a quote for that one? Yeah. Why not? I mean, what I'll do is when I go through that update for your investment option, I'll do a quote for, say, a 100,000 worth of trauma cover. So you have a heart attack, that's a 100 grands. Your partner can take a few months off work to look after you, cover medical expenses, things like that. When you go through that advice document, you can actually write at the bottom on the DocuSign. You can say, yes. I wanna go ahead with this or no. I don't. So you can kind of pick if you wanna do it or not. Cool. So I'll do up a quote just to be safe with MetLife there and see what that's looking like. Let's say it was coming out of pocket. What would be the maximum you would wanna pay per month for an insurance policy? Like, 20, 30, 40, would that be getting a bit too expensive? Cool. I'll put a cap of it at 40. So if it's more than 40, I'm not even gonna recommend it. If it's under 40, I'll do the quote up so you can see it. Cool. Again, I don't want you paying a $120 a month for something if you don't value it. Not in the interest of just trying to get you insurances, mate, but I do have to check. You don't have this one. Do you want it? That is okay. 40 a month max, $100,000 quote. And the investment switch, that's all good. Now last thing I wanted to check with you was just your thoughts on the whole self managed super fund thing that I mentioned before. Look. Everything is going well with the super so far. We've got a bit of property mix into you into your portfolio. Is that something that you think you and your partner wanna sort of investigate this year, next year, and and sort of go through all of that? K. And it's again, it's something that's pretty powerful, like borrowing money on your super can be somewhat dangerous, but really beneficial for having a bigger asset. It really just depends on crunching numbers. Once you've got your super there, how big of a property can you even purchase with that from getting a loan? And, you know, given the property prices, if you can get something that's good, great. If everything's a million dollars and you can only afford 600, well, then you've gotta wait until you've got a bigger balance. Yep. Cool. Look. I'll put that down as something to come back to. So when we do these reviews, we can at least talk to you about it and sort of see if that's something we can look into. Again, when it comes to Oakview, we're pretty well self licensed to look at any kind of advice. So if you wanna steer the ship in a different direction, we're happy to follow you along. Cool. Cool. Mate, I've sent you through the annual review pack. Have you had a chance to look at it much? I know you said you're gonna look on your phone, so maybe better off to look at it straight after the call if that's okay. Cool. So just to let you know what I've sent through, you've got that performance report we're looking at with Hub. You've got your certificate of currency for the insurances. Look. If something happens to you, we do help with the claims process. So if you're off work and you get sick, we're probably not your first port of call, but you can give us a buzz. We can help you through the forms, liaise with the insurer, help you get the money. There's a financial services guide. We always update our license details, services, who we are, team photos, all that fun stuff in there, complaints, procedures, everything is in there. So give that a read if you've got if you've got some inclination to do so. And I have included your service agreement as well. Now I do need to ask the all important question. Are you comfortable with Oakview looking after the Subaru for the next twelve months or so? Cool. But any feedback on services and things like that? Like, have you been having a good service so far? Has it been going well for you? So far, so good? I guess until the world goes on fire and there's World War three and all the rest of it. But, again, if we need to change things, we're we're happy to do so. Awesome. Mate, I'm gonna leave that in your hands to review. I'm just gonna quickly pull up the documents that I sent you just to ensure it's all correct because I don't want you to sign something that's not correct. Let me just have a look. We've got your pack here. And, again, please don't sign it until we've talked about it. Alright. So in there, you've got, like, a lost super search. Pretty standard with us. We always just shoot the the government a message to see if there's anything floating around we haven't taken into account. The fees are still 1.65%, and that's kind of split monthly throughout the year, and it's a twelve month agreement. So it's not like a a lock in for twelve months, but we do need consent every year to still be your advisers. Cool. Cool. The other one that I have to let you know about, tax file number declaration. Now there was a lot of cybersecurity issues in Australia last year. People sent some information getting lost. So instead of keeping tax file number in a whole bunch of different systems, we would just like you to opt in to keeping it on this one form, and we do need your consent because that is a very important number. And, you know, what what do you call it? Like, name fraud and things like that can happen. Cool. Mate, that new DocuSign that's come through, that's from our new system, Odoo. If you have any trouble with it, let us know, but there should be, like, a hyperlink button to jump in there and and sign it. Once you've done that, you can download a signed copy. There'll be a little pop up button for you. Awesome, dude. Mate, any last questions for me before I let you go? Awesome, dude. What we'll do, I'll leave that with you. We'll give you a call in a couple of weeks just to go through that quote and the change to the investments together, and we should be good to go. Awesome, Sam. You have a fantastic day, mate, and I'll talk to you in a couple of weeks. Cheers, mate. 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afternoon, Sam. It's Tommy here, senior adviser from Oakview. How are you doing today? Right. Living the dream.\n\nIt's a beautiful week on the Gold Coast. How about your end? Not too bad. Has it cooled down a little bit? Good to hear, mate.\n\nGood to hear. I was just giving you a call to go through your annual review if you still have a few minutes for me. Fantastic, sir. Before I send through your annual review pack, I just wanna let you know that the calls are always recorded for training and quality purposes. Are you okay to go through a quick security check with me?\n\nAwesome. Now we don't have a security question on file, so I just wanna let you know that I am registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Fantastic. Fantastic.\n\nNow, Sam, I have a full pack ready to go. I'm gonna shoot it through to your Hotmail address. Is that still current Sam underscore fit? Awesome. Will you have access to that today to look on with me, or do you want me to just kind of explain what's there?\n\nThat's okay. There's a few documents which would be really cool for you to look at after this call as well. Your Superfund with Hub 24, they've got this new engaged function that they've done, which produces some really cool looking reports that are a little bit easier on the eyes than the usual ones. It's not just a table full of numbers. So I've attached that extra report there as well for you.\n\nBefore I jump into the details of the strategy, I just wanted to ask you if there's anything in particular you wanted to get out of this year's review. Yep. Just a bit of a general update. Nothing too crazy has changed on your end. Awesome.\n\nAwesome. So one of the things I would like to do is I wanted to update a few of your details on file. We have changed systems over Christmas, and I just wanna see if there's been any major changes there. And then I'll dive into your super performance. We'll quickly touch on your policy that's attached to your hub account, little bit of a site planning, and we can go from there if that's okay.\n\nAwesome. Now goals wise, we had you retiring at the age of 65, trying to produce an income of about $1,500 a week after tax. Ideally, obviously, if we can try and get you to retire a bit earlier, that would be nice. You can access your super at 60. Do you have a bit of a preference on trying to retire as early as humanly possible, or are you okay to work through to those later years?\n\nWhat's your preference? It's very strange. I asked that question a couple of thousand times, and it's actually been a fifty fifty split. Half of the people tell me if I won the lotto tomorrow, I'd be out of the rat race, and the other half go, I wouldn't know what to do with myself. I always wanna have something to do.\n\nSo it's a pretty interesting question to ask, but you seem to form the let's build it up as quick as possible. Yeah. Yep. That is true. That is true.\n\nMate, there was a few other things going on in your life since we last spoke. You're really just focusing on, obviously, paying down your mortgage and basically just getting that debt free by retirement too. Can I just quickly check with you? Because the property market's gone a bit strange. We had your value of your home at about 650,000, and you were owing about $3.20.\n\nDo you reckon that's changed significantly? Yeah. Yep. Maybe around 700 would be a good estimate. Yep.\n\nAnd do you reckon you've paid down much more of that mortgage below 300, or have you when was the last time you checked? That's okay. Yep. Do you want me to leave that at 03:20 for the time being? Yep.\n\nNo worries. Other assets and liabilities, we had a motor vehicle valued at 40,000 and another car valued at 15. Do you still have both of those? Awesome. We don't have anything listed in the way of savings.\n\nDo you have much in the way of an emergency fund, savings in an offset account, anything like that? Yep. Are we talking $5.10, $15.50? You don't have a million dollars floating under the mattress, do you? Cool.\n\nI'll go fifteen for a low estimate just to be conservative. Anything else in terms of assets? No shares, crypto, anything else floating around? Awesome. And do you have any other loans, personal loans, credit cards, anything like that that I have to take into account?\n\nHarmony? What type of loans do Harmony do? Are they, like, personal loans? Or Yeah. Yeah.\n\nPersonal loan. How much would that be sitting at? Yep. 10. Not too bad.\n\nAnd in terms of, like, cash flow, so we had you as a carpenter earning about 85,000. Is that still correct? Curtains and blinds. Fantastic. Yep.\n\nSo do you want me to leave it at the 85 income wise? Do you think it would have gone up or down a little bit? Yep. Now I need to. Curtain's in one still on the train.\n\nPerfect. And what I did notice was your contributions had switched around from the employers. So you're currently with let me guess it. Let me guess it. You're with Freedom.\n\nNow you're with O'Brien. Awesome. So employer name was Wild Homes at the time. Should I update that to O'Brien? Okay.\n\nI'm gonna have to quickly double check that again with you. So t y o O'Brien. And what was it? Something curtains and blinds, did you say? There we go.\n\nDollar curtains and blinds. Fantastic. No. That's okay. I can match those up.\n\nThat is no worries. Still full time, that kind of thing. With curtains and blinds, are you it said that you were kinda still working at some kind of heights, but nothing over 12 meters. I'm assuming most of what you do is kind of like indoor curtain and blinds installation. Yep.\n\nAwesome. So we go window height, one or two steps. That is brilliant. Family wise, we had you married with Kayla, and you had three children as well. K.\n\nIs your youngest over 18 now or still about 17? Yep. Okay. So that's still current. Perfect.\n\nI thought maybe that was a bit out of date. Phone number and email address is still the same. Home address is still the same. That's perfect. Last couple of things here is you've never gone through any bankruptcy or debt agreements before, have you?\n\nPerfect. This one's a little bit of a weird one, but it's a new question from us, and we do have to double check. Are you considered a member of a foreign tax residency by any chance? No. Awesome.\n\nAnd we did have a note that you did have in place, like, a will and a power of attorney. Is that correct? Awesome. Would that still be current? It's not out of date or old or anything like that?\n\nPerfect. Amazing work. Alrighty. That's pretty much it. Anything else on the cards for you guys in the next sort of three years that are important cash flow wise or financial goals?\n\nYeah. Yeah. Like a self managed fund or something like that. Well, that is one of my favorite topics, and we've been talking about that a lot with people recently. I'm gonna pull up your account.\n\nJust please bear with me. My laptop is going very slow, and I wanna get you today's figures. I've sent all that through in the reports as well, but it's looking pretty good. Okay. So you're sitting at a $178,006.52.\n\nOne thing I'll quickly touch on just before I answer that question is more around the recent fluctuations because what basically happened is after Christmas, stock market's taken a bit of a dive with the war in Iran, and you actually had a bit of a drop from a 184 down to $1.67, and then it's bounced back up to $1.78 $6.05 2. So it's kind of bounced back just in a week and a half's time. Now when it comes to, like, cell phone and super funds, so with all of these funds, you're with Hub twenty four. We call it a wrap platform. It has the most kind of investment options in the industry.\n\nThere's about 1,300 options. We can pretty much invest you into anything in terms of shares, property, gold, infrastructure, term deposits, anything that we need to do to get you, I guess, a diversified portfolio, I would say, to try and get you to that retirement goal. Now if you go through for, like, a self managed super fund as an example, you might pull your super together with your partner. And, basically, what you've gotta do is with an accountant, you would set up your own super funds, which means you would set up, like, a trust fund. And as a trustee, you would set up a like, a company is pretty standard.\n\nSo, like, a trust fund and a company. The advisers such as ourselves, we usually do self managed super fund advice, like which bank account should you go with to pull your money into. Once you've purchased a property, how can you invest the rest of the funds alongside the property so you've got both of them working together, if that makes sense. Now when you go to borrow, borrowing's a little bit tricky on your super because there's a lot of regulations and restrictions. So they call it an LRBA, limited recourse borrowing arrangement.\n\nAnd all that really means is you have to be careful borrowing money on your super. So you have to actually set up a whole another trust and trustee. So you got two trust funds, two companies. One's called a bare trust as opposed to a normal trust that actually holds the loan itself. So there's a bit of work that goes into it.\n\nProbably costs on average about $5 to set all of those entities up, another $5 for the advice, and then you've got to actually go out, find the property, and get the loan. So they can be quite a bit involved there. Now just having a look at what's been going on with the super at the moment, you're in what I would call, like a high growth fund. Does that ring a bell? Yep.\n\nSo most of your money is in, like, shares, property, and gold, trying to get those high long term returns. Average benchmark, I would say, would be about 10% would be the average that we're trying to hit to get you on track for the retirement goal. Does that make sense? Yep. Now when I go through your performance report, even despite the market going pretty crazy, you've still cleared a 15% return after fees.\n\nSo you're actually one of the best ones I've seen at Oakview and around the industry. You've kind of outperformed pretty much everybody. It's actually going very, very well at the moment. One thing that I wanted to kind of double check with you is, obviously, in order to kind of retire earlier, you still need to get some high long term returns to build it up because you can't retire on a $178. We need to get you up into those, you know, 750,000 million dollars, that kind of ballpark.\n\nDoes that make sense? So when you're growing your super, high growth's okay when you're a bit on the younger side. But once you've built up those funds, you do need to protect it at some point. So when you get close to retirement, you probably don't wanna be 63 sitting in high risk, and then you lose half your super a year before you go to live off of it. Does that make sense?\n\nSo what that basically means in between is if you stay high growth, it's gonna go up and down like a bit of a roller coaster ride. Do you ever log in to your hub to keep an eye on it, or was that more just leave it in our hands? Yep. Anything crazy there? Were you were you worried about it, or are you okay with how it's been going?\n\nYeah. And 100 percent. One of the things that I I tend to talk clients through, and I I try not to use too much finance jargon because it just gets really annoying after a while, is we talk about the term of volatility. Right? What tends to happen when these events happen and everything pops up on the news is your soup is kind of growing along nice and steadily.\n\nAnd then once the news kicks off that there's a war and an oil crisis and all this kind of thing and interest rates moving, it tends to go up and down a lot faster. So higher highs and lower lows. Now one of the, I guess, the reassuring things is you look at these, like, we call them market cycles. Every seven years, the soft market grows up, and then it crashes. It grows and it crashes.\n\nIt grows and it crashes. And, basically, if you remember, we had the GFC back in 2009. We had COVID. Now we've got this situation, which could turn into something similar. That type of pattern just keeps repeating itself forever.\n\nDoes that make sense? Yep. So what tends to happen there is usually, it's okay to kind of use these opportunities as maybe even a bit of a buying opportunity. The stock market dips for a little bit. Your contributions go in.\n\nYou can buy some shares, property gold for a cheaper price. And then when the market bounces back, you get those high double digit returns. So what tends to happen is your super could go up ten, twenty, 30%. It could go down 15%. What we're trying to do is average it out at that 10% over a long period of time.\n\nSo what that equates to dollar terms for you is because of your income level, let's say your employer is putting in their usual, like, 12%. You could have 9,000 going in, but because you're sitting at a 178 now, if the market goes up or down 10%, we're talking $20,000 up, $20,000 down. So your super is now growing more than what you're putting in in contributions. So what I wanna check with you is, are you kind of okay to still focus on that kind of long term return while you've still got that twenty years to go? Because we would normally look at protecting it and reducing the risk in the last seven years or so.\n\nYeah. And, look, it's not really even leaving things to chance really because one of the things that people ask me is like, hey. When the world's on fire, can you just put me in something safer and then put me back in when everything's okay on the news? And it's just what I've found over my career over the last sort of twelve to thirteen years is no one can time when to do that no matter how good they are, not even Warren Buffett. So what tends to happen is I say this all the time.\n\nNews kicks off with COVID and someone super crashes down. They pull it all out to cash, which is like selling everything, and you crystallize that loss. Like, your house goes from $600 to 500. I'm gonna run off and sell that house. And then all of a sudden, six months later, you find out that the house market's back up, and you've got to go back in.\n\nSo what we tend to say is, like, are you comfortable, like, riding out those waves in the short term? Let your contributions buy up everything as long as the investments are good. K? Now I'm not trying to be irresponsible with your super not trying to sit there and say, hey, mate. Yeah.\n\nLet it crash down to $90,000 or something silly like that. But it's just making sure that what you're in over time is gonna get you what you need. Now one thing that I can see here, which is the only worry that I've currently got, you've got about eight different investment options. So some of it's in gold, American shares, Australian shares, property. Most everything's done very, very, very well.\n\nThat's how you've gotten that 15% return. Are you able to see that report that I've sent you through, or should I kind of just run you through what's in there? Yeah. There's a hub one there, and it's a twelve month performance. And it's basically just got a big silly looking table with a whole bunch of numbers all over it.\n\nSo I'm gonna pull this up. Just give me one quick sec. So I pulled out about seven reports from your super fund, and I'm just trying to let it load. Here we go. It seems to be crashing.\n\nBear with me for two seconds, mate. There. Gotcha. K. So the total portfolio return, 15 and a half percent after fees.\n\nThat's great. Most of the ones, if you can see that table, it should have a whole bunch of codes on it. Like, the left hand column, it says b h y b and hack. Can you see all that? Cool.\n\nRight hand side, you can see the returns in percentage terms. So if you look in the middle, you can see most of your funds sitting there at 22%, 13, a 100%, 33. Like, the growth is just insane. The only one that's underperformed is the Australian shares at the top. See the Bennelong one?\n\nSo that one's gone down about eight or 9%, whereas the market's only gone down about six. So it's kind of underperforming a little bit compared to everybody else in that Australian shares. So what I'm basically telling you is everything's above average. You're getting the target. Everything's performed well, but that one option has been underperforming for a little while.\n\nI would probably look at switching that out. Now one question I do have for you, and, again, I'm gonna make a recommendation for you, but I just wanna get your gut feeling on this. If you had to pick between low fees and it just follows the market closely or you pay some slightly higher investment fees to try and get a better return, which way do you lean? Which way is your gut telling you to go? No.\n\nThat's fine. You're currently in a mix of both. So we've got you in a mix where most of your money is in low fee investments, and a couple of little satellite options where we've got small amounts is in the active side that pays a little bit higher to try and get a little bit more. They're kinda like sled dogs that pull you along a little bit quicker. Does that make sense?\n\nSo if you're comfortable with that style and things are going well and it's on track, I can keep with the same style. I can just switch that one option out for something that's a bit better like for like. So same style, but better performance. Cool. So what I've gotta do in that case is we do a little bit of research.\n\nWe've got about two or three funds that we've been looking at recently. I will do the comparisons up and update your statement of advice, which has all of your figures and goals and everything in it, and then we'll run through that together, make sure you're happy with what I'm thinking we should change. And if you're good to go on that, I can switch it around a little bit. Cool. Outside of that, again, there's been no, like, major changes in terms of fees or features for the superfund, so there doesn't seem to be much of a reason to look at changing superfunds.\n\nAgain, it's more just about the portfolio under the hood. Just bit of an engine tune, I would say. K? One thing in terms of, like, contributions and everything is now that they've changed the legislation, your employer is about to start putting it in every pay rather than, like, on a quarterly basis. So your contribution is gonna be coming in a lot more frequently, and they're gonna buy in a lot more frequently, which is really good for you.\n\nIt basically means that rather than waiting three months and missing an opportunity, if it's coming in every week, you get to buy every single week. So we call that dollar cost averaging. That's gonna be really good for everybody super. I am actually personally quite excited for that myself. Now in terms of that $90,000 income that you have, I'm basing everything off what your employer puts in.\n\nAre you looking to do any, like, salary sacrifice at the moment? Are you wanting to put $50 a week into your super, get a bit of a tax deduction for it, or are you trying to focus your cash flow on, say, the mortgage? Yep. At the moment, like, you're tracking really well for your age. You've got a decent balance.\n\nYou're in high growth. You've a pretty good income. So your contributions and your growth should get you to a pretty good balance by the end. You don't have to rush off to do extra contribution today. It may be something that you do late forties, early fifties.\n\nWe can even do a few things after 60 as well, like a transition to retirement strategy. There's all kinds of things we can do. I just wanna kind of tailor it to what's going on in your life. So now we did have you saving at about a $100 a week. Have you talked with your partner about putting aside some some extra savings, extra repayments to the mortgage?\n\nHow's the cash flow going? Yeah. Yeah. Right. How much is Bartley gonna cost you?\n\nYeah. I mean, you might only spend 5 or 10 in Bali as opposed to 20 or 30 in Europe. Right? Cool. I might just put that down as one of your goals just so we can track that that's important as well.\n\nA bit of a Bali holiday in the next twelve months. Now would you say a $100 a week is still what you're able to put aside after all your expenses? Has that gone up with your income? Has that gone down with the cost of living and fuel? What what are you thinking?\n\nYeah. Yep. So that all just goes into savings. Are you are you making, like, actual extra repayments, or do you guys use, like, an offset account? Perfect.\n\nAmazing. Cool. Cool. Cool. Now when you mentioned before possibly using your super to buy investment properties, are you looking at doing any investing personally?\n\nBuying investment properties, getting into some shares of managed funds over the next ten, twenty years, anything like that? Yeah. So there's really no, I guess, wrong answer when it comes to investing as long as you don't overextend a bit too much. So your two real options are, you've got a bit in the way of equity, so you could potentially borrow off the home and buy an investment property. Are you thinking of staying where you are for a while?\n\nOnce they go, are you gonna upgrade homes, downsize, move states? Yeah. Totally fair. That's a big one. That is a big one.\n\nTrying to reconcile that they're 18 and they're almost out of home. Yeah. That's a tough one, mate. Mine are only six and three, and I've got another one on the way, so I'm well off that stage. But are they do you reckon they're all gonna be out soon?\n\nAre they pretty reliant? Are they pretty self sufficient? And that's one of the things. Like, when I talk investing for people, sometimes they like investing to build up some funds for when the kids turn 18. Your kids are very close to that point anyway, so it's not you're not gonna be able to build up too much unless you just pile in the savings and help them that way or, you know, like you said, let them stay at home and build a deposit, go guarantor on a loan one day.\n\nThat's probably the the things that you might be able to do. So what we can do is, like, we can obviously, we're looking after the super at the moment. If at any point you and Kayla wanna look at some investing, whether it's property, even your your Hub 24, they give you investment accounts like your super account, and you can put it in something safe, medium risk, high risk. We can build a whole different portfolio in there, and you can have it on the same login. Like, if you wanna do a bit of a dip your toe in the water with $10 one day and slowly build that up in the background, we can do that too.\n\nOr, again, you can borrow, get an investment property. Really up to you guys. Cool. Cool. Sam, one thing I did see is on your hub account, we don't have your beneficiary up to date.\n\nWere you still wanting to nominate your partner to receive the super? Yeah. Oh, that's what I wanted to check because when you do a super nomination, you can direct the super fund with one of these forms for the Supergo directly to your partner, and it's the quickest way you pass away, Supergo's in her name, all that kind of thing. But if you specifically wrote in your will for your super to be involved in the will, then we can aim your super to the will. So if there's no nomination currently, that's an issue.\n\nIf you did do the super in the will, we can do a legal personal representative nomination to put it in that direction. Do you remember if you put the super in the will? Goes to your partner. Yeah. So what I might do, if you can have a quick chat to your partner about that, just double check because either way will be okay, but we just wanna get the right nomination.\n\nAre you okay for me to send you the hub beneficiary forms? And then we can just put on there either her directly. That's the quick way it's tax free. If the will's taking care of it, we can do that type of nomination too. Yeah.\n\nWhen you do the forms, it's really easy. So when you get to the nominee for who you wanna nominate, you can literally either put her name down and say a 100%, or there's literally a box that says legal personal representative, which is your will. So either one. And you've just gotta get it witnessed by two people who are not your beneficiary and a little bit of an ink signature because it is a legal document. You can choose for it to be this is a bit of a strange question.\n\nYou can choose whether you want it to be legally binding or not. So legally binding means the super fund has to do it. If it's nonbinding, then the super fund has discretion on who it goes to. The other question that's a little bit more serious is do you want it to expire or not? So you can have it expire every three years, or you can make it continuous.\n\nThat's called non lapsing. Do you have a bit of a preference either way? Yep. Just a straight up legally binding. Doesn't expire unless you change it.\n\nDirect. Yep. Perfect. Perfect. Perfect.\n\nI'm gonna double check that that's on your insurance policy. Just bear with me for a second because I had your, like, your life insurance open just before, and I wanna make sure that's there as well. So I'll double check both. So what may come out to you is either a hub beneficiary or the hub and the insurance. It'll have a cover letter with some instructions.\n\nIf you have any trouble, just call the team on the office number. They can walk you through it over the phone in two minutes flat. Is that okay? Perfect. Let me just grab up this certificate of currency for you.\n\nHere we go. There it is. PS1634 is your policy number. I've got that there. There we go.\n\nMetLife. So you have pretty well a full suite of insurance cover through MetLife. I'm gonna double check that your million dollars worth of life insurance is going correctly. If there's no nomination on that, we'll get that fixed up too. Now last thing I want to go over with you, just with this policy, you've got a million and 50 worth of life insurance and total disability.\n\nSo if you pass away, never work again, there's a million dollars plus your super. That pretty well knocks out your mortgage and leaves you with, oh, jeez, almost 900,000 left over. Now what does that kind of do for for Kayla and the kids? So if you let's say you can never work again. Mortgage is paid off.\n\nThere's $8,900,000. What does that kind of do for the family? Yep. Main one. And then it's really just, like, replacing the lost income.\n\nRight? Are you kind of like the breadwinner of the family? Do you guys earn equal amounts? Oh, yep. All the soft benefits there with the government work.\n\nOh, beautiful. She gets all the best stuff, and you've got to do all the fancy strategies to catch up. Look. I have I I'll be lying if I said I hadn't considered going to the public service one day to get a bit of a cushier position, but maybe that can be when when I'm bit older. What I was basically gonna say, your $90,000 income, that pretty much leaves you 70 grands after tax around about, like, not taking into account tax deductions.\n\nSo if I go a million and 50,000 plus your super minus off your mortgage, look, we'll go after $3.20 for now. $90,870,000. So it gives you about thirteen years of income replacement after paying off your debts. Does that sound okay? Yeah.\n\nOne of the things too is, let's say you're sitting there with 900,000 and you can never work again. You can invest that and live off the growth of it as well. So that 900,000, that can last like as if you had a million dollars of super and you were retired. So at the moment, I don't see any major issues in terms of, like, the cost of the life insurance. Like, it's $600 for the TPD a year at a super.\n\nIt's it's not really hurting the super too much in terms of cost and premiums, if that makes sense. But one of the things I was thinking is over time as you pay down your mortgage, you can trim it down because it gets more expensive when you get older. And if you don't have a mortgage anymore, well, then maybe you don't need a million dollars anymore. So at the moment, if it's not hurting the super too much, are you okay to leave that amount of cover for now, and then we'll sort of see how it looks in twelve months? Perfect.\n\nLucky last thing is you do have income protection as well. So if you're out of work for more than ninety days, that will kick in 5,100 a month worth of income replacement all the way up to the age of 65. So what that's basically saying is that you've got enough savings to last a couple of months if you were out of work. Would you guys be able to get by for a couple of months? Her income, bit of the savings, and offset until that cover kicks in.\n\nK. Again, we can always shorten the waiting period. It does make it more expensive, so I was wanting to run it by you. Now when I've got your income there, if I look at that, the maximum is 70%. And if I work that back, that is 5,250.\n\nSo technically speaking, you're a tiny bit underinsured for your income. But if you're telling me that 5,100 a month is okay to live on and you guys will get by with the mortgage repayments and everything, Don't have to increase it. Just wanted to run it by you because your incomes increase. You can increase your insurance or just leave it as is. K?\n\nJust we're gonna keep an eye on this one because the income protection, it's the more expensive one. It's almost $2 a year, and you get a 15% tax rebate off of that out of the super. So that has a bit of an impact. If that increases, you probably don't wanna be paying $6.07, $8,000 when you're 50 if you don't need all that insurance. So we will have to trim it down at some point.\n\nOne of the things too, you know how I mentioned salary sacrifice before? When you're all good with your goals for your mortgage and everything, if you put it in to offset the insurance costs, you get that tax deduction for the salary sacrifice. It's almost like paying it out of pocket where it's fully deductible. So if at some point, we need to offset it by putting in that $50 a week, it may cost you, say, 35 in the hand because they put it in, like, pretax. So it's a way of getting $50 in the super.\n\nIt costs you 35. You get a lovely little deduction there, and it covers costs, boost up your super. When it comes time to do that, we can revisit that as well. Cool. Cool.\n\nMate, do you have any questions for me at the at the moment? I've gone through quite a bit with you so far. Yep. Look. Everything is looking pretty good.\n\nYou don't have trauma insurance, which is for heart attack, stroke, and cancer. But, again, you're a bit tight on the cash flow there. Are you just happy to leave the life keeping in income protection, or do you want me to get a quote for that one? Yeah. Why not?\n\nI mean, what I'll do is when I go through that update for your investment option, I'll do a quote for, say, a 100,000 worth of trauma cover. So you have a heart attack, that's a 100 grands. Your partner can take a few months off work to look after you, cover medical expenses, things like that. When you go through that advice document, you can actually write at the bottom on the DocuSign. You can say, yes.\n\nI wanna go ahead with this or no. I don't. So you can kind of pick if you wanna do it or not. Cool. So I'll do up a quote just to be safe with MetLife there and see what that's looking like.\n\nLet's say it was coming out of pocket. What would be the maximum you would wanna pay per month for an insurance policy? Like, 20, 30, 40, would that be getting a bit too expensive? Cool. I'll put a cap of it at 40.\n\nSo if it's more than 40, I'm not even gonna recommend it. If it's under 40, I'll do the quote up so you can see it. Cool. Again, I don't want you paying a $120 a month for something if you don't value it. Not in the interest of just trying to get you insurances, mate, but I do have to check.\n\nYou don't have this one. Do you want it? That is okay. 40 a month max, $100,000 quote. And the investment switch, that's all good.\n\nNow last thing I wanted to check with you was just your thoughts on the whole self managed super fund thing that I mentioned before. Look. Everything is going well with the super so far. We've got a bit of property mix into you into your portfolio. Is that something that you think you and your partner wanna sort of investigate this year, next year, and and sort of go through all of that?\n\nK. And it's again, it's something that's pretty powerful, like borrowing money on your super can be somewhat dangerous, but really beneficial for having a bigger asset. It really just depends on crunching numbers. Once you've got your super there, how big of a property can you even purchase with that from getting a loan? And, you know, given the property prices, if you can get something that's good, great.\n\nIf everything's a million dollars and you can only afford 600, well, then you've gotta wait until you've got a bigger balance. Yep. Cool. Look. I'll put that down as something to come back to.\n\nSo when we do these reviews, we can at least talk to you about it and sort of see if that's something we can look into. Again, when it comes to Oakview, we're pretty well self licensed to look at any kind of advice. So if you wanna steer the ship in a different direction, we're happy to follow you along. Cool. Cool.\n\nMate, I've sent you through the annual review pack. Have you had a chance to look at it much? I know you said you're gonna look on your phone, so maybe better off to look at it straight after the call if that's okay. Cool. So just to let you know what I've sent through, you've got that performance report we're looking at with Hub.\n\nYou've got your certificate of currency for the insurances. Look. If something happens to you, we do help with the claims process. So if you're off work and you get sick, we're probably not your first port of call, but you can give us a buzz. We can help you through the forms, liaise with the insurer, help you get the money.\n\nThere's a financial services guide. We always update our license details, services, who we are, team photos, all that fun stuff in there, complaints, procedures, everything is in there. So give that a read if you've got if you've got some inclination to do so. And I have included your service agreement as well. Now I do need to ask the all important question.\n\nAre you comfortable with Oakview looking after the Subaru for the next twelve months or so? Cool. But any feedback on services and things like that? Like, have you been having a good service so far? Has it been going well for you?\n\nSo far, so good? I guess until the world goes on fire and there's World War three and all the rest of it. But, again, if we need to change things, we're we're happy to do so. Awesome. Mate, I'm gonna leave that in your hands to review.\n\nI'm just gonna quickly pull up the documents that I sent you just to ensure it's all correct because I don't want you to sign something that's not correct. Let me just have a look. We've got your pack here. And, again, please don't sign it until we've talked about it. Alright.\n\nSo in there, you've got, like, a lost super search. Pretty standard with us. We always just shoot the the government a message to see if there's anything floating around we haven't taken into account. The fees are still 1.65%, and that's kind of split monthly throughout the year, and it's a twelve month agreement. So it's not like a a lock in for twelve months, but we do need consent every year to still be your advisers.\n\nCool. Cool. The other one that I have to let you know about, tax file number declaration. Now there was a lot of cybersecurity issues in Australia last year. People sent some information getting lost.\n\nSo instead of keeping tax file number in a whole bunch of different systems, we would just like you to opt in to keeping it on this one form, and we do need your consent because that is a very important number. And, you know, what what do you call it? Like, name fraud and things like that can happen. Cool. Mate, that new DocuSign that's come through, that's from our new system, Odoo.\n\nIf you have any trouble with it, let us know, but there should be, like, a hyperlink button to jump in there and and sign it. Once you've done that, you can download a signed copy. There'll be a little pop up button for you. Awesome, dude. Mate, any last questions for me before I let you go?\n\nAwesome, dude. What we'll do, I'll leave that with you. We'll give you a call in a couple of weeks just to go through that quote and the change to the investments together, and we should be good to go. Awesome, Sam. You have a fantastic day, mate, and I'll talk to you in a couple of weeks.\n\nCheers, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Sam.","start":2.24,"end":3.28,"sentiment":"positive","sentiment_score":0.38802696267763775},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.28,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2939515582152775},{"text":"How are you doing today?","start":5.3599997,"end":6.5,"sentiment":"neutral","sentiment_score":0.3154718101024628},{"text":"Right.","start":7.7599998,"end":8.0,"sentiment":"positive","sentiment_score":0.4854487180709839},{"text":"Living the dream.","start":8.0,"end":8.639999,"sentiment":"positive","sentiment_score":0.6289063294728597}],"sentiment":"positive","sentiment_score":0.3774351869758807,"num_words":19,"start":2.24,"end":8.639999},{"sentences":[{"text":"It's a beautiful week on the Gold Coast.","start":8.639999,"end":10.719999,"sentiment":"positive","sentiment_score":0.7439931407570839},{"text":"How about your end?","start":10.719999,"end":11.78,"sentiment":"positive","sentiment_score":0.3574254512786865},{"text":"Not too bad.","start":18.575,"end":19.455,"sentiment":"neutral","sentiment_score":-0.0539418359597524},{"text":"Has it cooled down a little bit?","start":19.455,"end":21.395,"sentiment":"neutral","sentiment_score":-0.06910072533147675},{"text":"Good to hear, mate.","start":23.935001,"end":24.654999,"sentiment":"positive","sentiment_score":0.5457151532173157}],"sentiment":"positive","sentiment_score":0.34303757534004176,"num_words":26,"start":8.639999,"end":24.654999},{"sentences":[{"text":"Good to hear.","start":24.654999,"end":25.455,"sentiment":"positive","sentiment_score":0.41694679856300354},{"text":"I was just giving you a call to go through your annual review if you still have a few minutes for me.","start":25.455,"end":29.91,"sentiment":"neutral","sentiment_score":0.1672735573215918},{"text":"Fantastic, sir.","start":32.53,"end":33.57,"sentiment":"positive","sentiment_score":0.6252814531326294},{"text":"Before I send through your annual review pack, I just wanna let you know that the calls are always recorded for training and quality purposes.","start":33.57,"end":40.309998,"sentiment":"neutral","sentiment_score":0.10905334681272506},{"text":"Are you okay to go through a quick security check with me?","start":40.905003,"end":43.325,"sentiment":"neutral","sentiment_score":0.06421384494751692}],"sentiment":"neutral","sentiment_score":0.1512237714487128,"num_words":64,"start":24.654999,"end":43.325},{"sentences":[{"text":"Awesome.","start":44.745003,"end":45.225002,"sentiment":"neutral","sentiment_score":0.3011338710784912},{"text":"Now we don't have a security question on file, so I just wanna let you know that I am registered with ASIC as Adviser 1273105.","start":45.225002,"end":53.325,"sentiment":"neutral","sentiment_score":0.12725646838545798},{"text":"Are you okay to confirm your date of birth and address, please?","start":53.385002,"end":56.365,"sentiment":"neutral","sentiment_score":0.06012306486566862},{"text":"Fantastic.","start":65.47,"end":65.97,"sentiment":"positive","sentiment_score":0.5694551467895508},{"text":"Fantastic.","start":66.270004,"end":66.770004,"sentiment":"positive","sentiment_score":0.5628237128257751}],"sentiment":"neutral","sentiment_score":0.13340753046795725,"num_words":40,"start":44.745003,"end":66.770004},{"sentences":[{"text":"Now, Sam, I have a full pack ready to go.","start":66.83,"end":69.07,"sentiment":"neutral","sentiment_score":0.3155898958444595},{"text":"I'm gonna shoot it through to your Hotmail address.","start":69.07,"end":71.81,"sentiment":"neutral","sentiment_score":0.15506457702981102},{"text":"Is that still current Sam underscore fit?","start":71.915,"end":74.415,"sentiment":"neutral","sentiment_score":0.049183648611818044},{"text":"Awesome.","start":75.835,"end":76.155,"sentiment":"positive","sentiment_score":0.3449938893318176},{"text":"Will you have access to that today to look on with me, or do you want me to just kind of explain what's there?","start":76.155,"end":81.775,"sentiment":"neutral","sentiment_score":0.1321504432708025}],"sentiment":"neutral","sentiment_score":0.16494843568287643,"num_words":51,"start":66.83,"end":81.775},{"sentences":[{"text":"That's okay.","start":89.29,"end":90.03,"sentiment":"neutral","sentiment_score":0.0444369874894619},{"text":"There's a few documents which would be really cool for you to look at after this call as well.","start":90.25,"end":94.43,"sentiment":"neutral","sentiment_score":0.11464884367428328},{"text":"Your Superfund with Hub 24, they've got this new engaged function that they've done, which produces some really cool looking reports that are a little bit easier on the eyes than the usual ones.","start":94.97,"end":105.555,"sentiment":"neutral","sentiment_score":0.2575121223926544},{"text":"It's not just a table full of numbers.","start":105.555,"end":107.33501,"sentiment":"neutral","sentiment_score":0.17542331106960773},{"text":"So I've attached that extra report there as well for you.","start":107.635,"end":111.095,"sentiment":"neutral","sentiment_score":0.16897292790765112}],"sentiment":"neutral","sentiment_score":0.19303652515785918,"num_words":74,"start":89.29,"end":111.095},{"sentences":[{"text":"Before I jump into the details of the strategy, I just wanted to ask you if there's anything in particular you wanted to get out of this year's review.","start":112.33,"end":120.75,"sentiment":"neutral","sentiment_score":0.05327897499604472},{"text":"Yep.","start":127.865,"end":128.105,"sentiment":"neutral","sentiment_score":0.12685173749923706},{"text":"Just a bit of a general update.","start":128.105,"end":129.465,"sentiment":"neutral","sentiment_score":0.10396484179156167},{"text":"Nothing too crazy has changed on your end.","start":129.465,"end":132.445,"sentiment":"neutral","sentiment_score":-0.014830432832241058},{"text":"Awesome.","start":134.985,"end":135.465,"sentiment":"positive","sentiment_score":0.4504012167453766}],"sentiment":"neutral","sentiment_score":0.05937942736984595,"num_words":46,"start":112.33,"end":135.465},{"sentences":[{"text":"Awesome.","start":135.465,"end":135.965,"sentiment":"positive","sentiment_score":0.510104238986969},{"text":"So one of the things I would like to do is I wanted to update a few of your details on file.","start":136.025,"end":141.83,"sentiment":"neutral","sentiment_score":0.22524516149000687},{"text":"We have changed systems over Christmas, and I just wanna see if there's been any major changes there.","start":141.83,"end":147.35,"sentiment":"neutral","sentiment_score":0.11915895384218958},{"text":"And then I'll dive into your super performance.","start":147.35,"end":149.93,"sentiment":"neutral","sentiment_score":0.20712261088192463},{"text":"We'll quickly touch on your policy that's attached to your hub account, little bit of a site planning, and we can go from there if that's okay.","start":150.23,"end":157.82501,"sentiment":"neutral","sentiment_score":0.16066494722057273}],"sentiment":"neutral","sentiment_score":0.17901701872286044,"num_words":76,"start":135.465,"end":157.82501},{"sentences":[{"text":"Awesome.","start":159.565,"end":160.065,"sentiment":"positive","sentiment_score":0.6094051599502563},{"text":"Now goals wise, we had you retiring at the age of 65, trying to produce an income of about $1,500 a week after tax.","start":160.205,"end":168.865,"sentiment":"neutral","sentiment_score":0.30347289020816487},{"text":"Ideally, obviously, if we can try and get you to retire a bit earlier, that would be nice.","start":169.52,"end":173.54001,"sentiment":"positive","sentiment_score":0.37540454665819806},{"text":"You can access your super at 60.","start":173.84001,"end":176.42001,"sentiment":"positive","sentiment_score":0.35629635623523165},{"text":"Do you have a bit of a preference on trying to retire as early as humanly possible, or are you okay to work through to those later years?","start":176.72,"end":183.92001,"sentiment":"neutral","sentiment_score":0.08569912426173687}],"sentiment":"neutral","sentiment_score":0.25056008125344914,"num_words":78,"start":159.565,"end":183.92001},{"sentences":[{"text":"What's your preference?","start":183.92001,"end":184.82,"sentiment":"neutral","sentiment_score":0.017876307169596355},{"text":"It's very strange.","start":188.61499,"end":189.575,"sentiment":"negative","sentiment_score":-0.3588862319787343},{"text":"I asked that question a couple of thousand times, and it's actually been a fifty fifty split.","start":189.575,"end":194.395,"sentiment":"neutral","sentiment_score":-0.2251860674689798},{"text":"Half of the people tell me if I won the lotto tomorrow, I'd be out of the rat race, and the other half go, I wouldn't know what to do with myself.","start":194.455,"end":201.99,"sentiment":"neutral","sentiment_score":-0.2849154216237366},{"text":"I always wanna have something to do.","start":201.99,"end":203.77,"sentiment":"neutral","sentiment_score":-0.167698435485363}],"sentiment":"neutral","sentiment_score":-0.24423186228640617,"num_words":62,"start":183.92001,"end":203.77},{"sentences":[{"text":"So it's a pretty interesting question to ask, but you seem to form the let's build it up as quick as possible.","start":203.83,"end":210.25,"sentiment":"neutral","sentiment_score":-0.03561429484662684},{"text":"Yeah.","start":216.005,"end":216.405,"sentiment":"neutral","sentiment_score":0.06257565319538116},{"text":"Yep.","start":216.405,"end":216.905,"sentiment":"neutral","sentiment_score":0.0811004787683487},{"text":"That is true.","start":217.125,"end":218.005,"sentiment":"neutral","sentiment_score":0.14101744691530863},{"text":"That is true.","start":218.005,"end":218.985,"sentiment":"neutral","sentiment_score":0.1261016329129537}],"sentiment":"neutral","sentiment_score":0.005383962827424208,"num_words":30,"start":203.83,"end":218.985},{"sentences":[{"text":"Mate, there was a few other things going on in your life since we last spoke.","start":219.045,"end":222.985,"sentiment":"neutral","sentiment_score":-0.016416765516623855},{"text":"You're really just focusing on, obviously, paying down your mortgage and basically just getting that debt free by retirement too.","start":223.605,"end":231.84001,"sentiment":"neutral","sentiment_score":0.1273607287555933},{"text":"Can I just quickly check with you?","start":231.98001,"end":233.74,"sentiment":"neutral","sentiment_score":0.009478670411876269},{"text":"Because the property market's gone a bit strange.","start":233.74,"end":236.40001,"sentiment":"neutral","sentiment_score":-0.21393271908164024},{"text":"We had your value of your home at about 650,000, and you were owing about $3.20.","start":237.5,"end":243.225,"sentiment":"neutral","sentiment_score":-0.14355460135266185}],"sentiment":"neutral","sentiment_score":-0.024737885889055122,"num_words":67,"start":219.045,"end":243.225},{"sentences":[{"text":"Do you reckon that's changed significantly?","start":243.525,"end":245.305,"sentiment":"neutral","sentiment_score":-0.18501109878222147},{"text":"Yeah.","start":255.54,"end":255.78,"sentiment":"neutral","sentiment_score":0.04833287000656128},{"text":"Yep.","start":255.78,"end":256.02,"sentiment":"neutral","sentiment_score":0.08580154180526733},{"text":"Maybe around 700 would be a good estimate.","start":256.02,"end":258.2,"sentiment":"neutral","sentiment_score":0.13612811360508204},{"text":"Yep.","start":259.62,"end":259.86,"sentiment":"neutral","sentiment_score":0.03901240602135658}],"sentiment":"neutral","sentiment_score":0.008947360822383095,"num_words":17,"start":243.525,"end":259.86},{"sentences":[{"text":"And do you reckon you've paid down much more of that mortgage below 300, or have you when was the last time you checked?","start":259.86,"end":265.88,"sentiment":"neutral","sentiment_score":-0.026856062312920887},{"text":"That's okay.","start":270.305,"end":271.125,"sentiment":"neutral","sentiment_score":0.09034938365221024},{"text":"Yep.","start":275.105,"end":275.345,"sentiment":"neutral","sentiment_score":0.06081340461969376},{"text":"Do you want me to leave that at 03:20 for the time being?","start":275.345,"end":277.92,"sentiment":"neutral","sentiment_score":0.01215507362324458},{"text":"Yep.","start":279.84003,"end":280.08002,"sentiment":"neutral","sentiment_score":0.08914866298437119}],"sentiment":"neutral","sentiment_score":-0.0038016756951082045,"num_words":41,"start":259.86,"end":280.08002},{"sentences":[{"text":"No worries.","start":280.08002,"end":280.82,"sentiment":"neutral","sentiment_score":0.0842344518750906},{"text":"Other assets and liabilities, we had a motor vehicle valued at 40,000 and another car valued at 15.","start":281.12003,"end":287.30002,"sentiment":"neutral","sentiment_score":0.01936347529085146},{"text":"Do you still have both of those?","start":287.84003,"end":289.30002,"sentiment":"neutral","sentiment_score":0.01887905677514417},{"text":"Awesome.","start":290.495,"end":290.995,"sentiment":"positive","sentiment_score":0.4195767641067505},{"text":"We don't have anything listed in the way of savings.","start":291.135,"end":294.115,"sentiment":"neutral","sentiment_score":0.01118870936334133}],"sentiment":"neutral","sentiment_score":0.031069176688202117,"num_words":38,"start":280.08002,"end":294.115},{"sentences":[{"text":"Do you have much in the way of an emergency fund, savings in an offset account, anything like that?","start":294.175,"end":299.475,"sentiment":"neutral","sentiment_score":-0.01721205503532761},{"text":"Yep.","start":304.99002,"end":305.31,"sentiment":"neutral","sentiment_score":0.04171782359480858},{"text":"Are we talking $5.10, $15.50?","start":305.31,"end":307.63,"sentiment":"neutral","sentiment_score":0.00880721164867282},{"text":"You don't have a million dollars floating under the mattress, do you?","start":307.63,"end":310.29,"sentiment":"neutral","sentiment_score":-0.12988913555939993},{"text":"Cool.","start":318.605,"end":318.845,"sentiment":"neutral","sentiment_score":0.2901258170604706}],"sentiment":"neutral","sentiment_score":-0.03973207824961528,"num_words":38,"start":294.175,"end":318.845},{"sentences":[{"text":"I'll go fifteen for a low estimate just to be conservative.","start":318.845,"end":321.585,"sentiment":"neutral","sentiment_score":0.20347377251495014},{"text":"Anything else in terms of assets?","start":323.245,"end":325.005,"sentiment":"neutral","sentiment_score":0.029061550584932167},{"text":"No shares, crypto, anything else floating around?","start":325.005,"end":328.225,"sentiment":"neutral","sentiment_score":-0.022101939788886478},{"text":"Awesome.","start":329.64,"end":330.12,"sentiment":"neutral","sentiment_score":0.20701420307159424},{"text":"And do you have any other loans, personal loans, credit cards, anything like that that I have to take into account?","start":330.12,"end":334.86002,"sentiment":"neutral","sentiment_score":0.06759206462828886}],"sentiment":"neutral","sentiment_score":0.08444162571559781,"num_words":46,"start":318.845,"end":334.86002},{"sentences":[{"text":"Harmony?","start":343.655,"end":344.155,"sentiment":"neutral","sentiment_score":0.010767040774226189},{"text":"What type of loans do Harmony do?","start":344.455,"end":346.455,"sentiment":"neutral","sentiment_score":-0.005952403148902314},{"text":"Are they, like, personal loans?","start":346.455,"end":347.655,"sentiment":"neutral","sentiment_score":-0.020325740426778795},{"text":"Or Yeah.","start":347.655,"end":352.95,"sentiment":"neutral","sentiment_score":0.013397439382970333},{"text":"Yeah.","start":352.95,"end":353.45,"sentiment":"neutral","sentiment_score":0.035521939396858215}],"sentiment":"neutral","sentiment_score":-0.004388229077449068,"num_words":16,"start":343.655,"end":353.45},{"sentences":[{"text":"Personal loan.","start":356.71,"end":357.77,"sentiment":"neutral","sentiment_score":0.005622677505016327},{"text":"How much would that be sitting at?","start":358.39,"end":359.93,"sentiment":"neutral","sentiment_score":0.007041017125759806},{"text":"Yep.","start":363.59,"end":364.09,"sentiment":"neutral","sentiment_score":0.03227514028549194},{"text":"10.","start":364.39,"end":364.87,"sentiment":"neutral","sentiment_score":0.013822225853800774},{"text":"Not too bad.","start":364.87,"end":366.09,"sentiment":"neutral","sentiment_score":0.08282999445994695}],"sentiment":"neutral","sentiment_score":0.025365701743534634,"num_words":14,"start":356.71,"end":366.09},{"sentences":[{"text":"And in terms of, like, cash flow, so we had you as a carpenter earning about 85,000.","start":367.265,"end":372.48502,"sentiment":"neutral","sentiment_score":0.02777336954193957},{"text":"Is that still correct?","start":373.025,"end":374.725,"sentiment":"neutral","sentiment_score":0.020635818131268024},{"text":"Curtains and blinds.","start":384.4,"end":385.46,"sentiment":"neutral","sentiment_score":0.11665839453538258},{"text":"Fantastic.","start":385.52,"end":386.02,"sentiment":"positive","sentiment_score":0.6946086883544922},{"text":"Yep.","start":391.935,"end":392.335,"sentiment":"neutral","sentiment_score":0.0662369355559349}],"sentiment":"neutral","sentiment_score":0.06405812931748536,"num_words":26,"start":367.265,"end":392.335},{"sentences":[{"text":"So do you want me to leave it at the 85 income wise?","start":392.335,"end":394.89502,"sentiment":"neutral","sentiment_score":-0.004191050735803751},{"text":"Do you think it would have gone up or down a little bit?","start":394.89502,"end":397.155,"sentiment":"neutral","sentiment_score":-0.046893852547957346},{"text":"Yep.","start":401.375,"end":401.855,"sentiment":"neutral","sentiment_score":0.025303028523921967},{"text":"Now I need to.","start":401.855,"end":402.915,"sentiment":"neutral","sentiment_score":-0.018123211339116096},{"text":"Curtain's in one still on the train.","start":403.535,"end":405.635,"sentiment":"neutral","sentiment_score":-0.02836193942597934}],"sentiment":"neutral","sentiment_score":-0.023942819355349792,"num_words":38,"start":392.335,"end":405.635},{"sentences":[{"text":"Perfect.","start":415.03,"end":415.51,"sentiment":"positive","sentiment_score":0.4005976915359497},{"text":"And what I did notice was your contributions had switched around from the employers.","start":415.51,"end":423.035,"sentiment":"neutral","sentiment_score":0.028476817533373833},{"text":"So you're currently with let me guess it.","start":423.095,"end":425.255,"sentiment":"neutral","sentiment_score":-0.009012523456476629},{"text":"Let me guess it.","start":425.255,"end":426.135,"sentiment":"neutral","sentiment_score":-0.00616644648835063},{"text":"You're with Freedom.","start":426.135,"end":427.255,"sentiment":"neutral","sentiment_score":0.013693375512957573}],"sentiment":"neutral","sentiment_score":0.024786242997894684,"num_words":30,"start":415.03,"end":427.255},{"sentences":[{"text":"Now you're with O'Brien.","start":427.255,"end":428.315,"sentiment":"neutral","sentiment_score":0.018755455501377583},{"text":"Awesome.","start":430.615,"end":431.115,"sentiment":"neutral","sentiment_score":0.22747156023979187},{"text":"So employer name was Wild Homes at the time.","start":431.175,"end":434.135,"sentiment":"neutral","sentiment_score":0.04588629429539045},{"text":"Should I update that to O'Brien?","start":434.135,"end":435.995,"sentiment":"neutral","sentiment_score":0.03782984986901283},{"text":"Okay.","start":446.29,"end":446.53,"sentiment":"neutral","sentiment_score":-0.046335190534591675}],"sentiment":"neutral","sentiment_score":0.042672092361109595,"num_words":21,"start":427.255,"end":446.53},{"sentences":[{"text":"I'm gonna have to quickly double check that again with you.","start":446.53,"end":449.25,"sentiment":"neutral","sentiment_score":-0.03588365577161312},{"text":"So t y o O'Brien.","start":449.25,"end":450.79,"sentiment":"neutral","sentiment_score":-0.004098829999566078},{"text":"And what was it?","start":451.635,"end":452.275,"sentiment":"neutral","sentiment_score":-0.004098245641216636},{"text":"Something curtains and blinds, did you say?","start":452.275,"end":454.055,"sentiment":"neutral","sentiment_score":-0.009138692303427629},{"text":"There we go.","start":456.355,"end":457.255,"sentiment":"neutral","sentiment_score":0.013384517592688402}],"sentiment":"neutral","sentiment_score":-0.015180821313212316,"num_words":30,"start":446.53,"end":457.255},{"sentences":[{"text":"Dollar curtains and blinds.","start":459.075,"end":460.355,"sentiment":"neutral","sentiment_score":0.048090786673128605},{"text":"Fantastic.","start":460.355,"end":460.855,"sentiment":"positive","sentiment_score":0.4296564161777496},{"text":"No.","start":461.315,"end":461.555,"sentiment":"neutral","sentiment_score":0.17531374096870422},{"text":"That's okay.","start":461.555,"end":462.29498,"sentiment":"neutral","sentiment_score":0.18202336877584457},{"text":"I can match those up.","start":462.755,"end":463.79498,"sentiment":"neutral","sentiment_score":0.22442096769809722}],"sentiment":"neutral","sentiment_score":0.17565268306778029,"num_words":13,"start":459.075,"end":463.79498},{"sentences":[{"text":"That is no worries.","start":463.79498,"end":464.935,"sentiment":"neutral","sentiment_score":0.20409314706921577},{"text":"Still full time, that kind of thing.","start":466.49002,"end":468.09003,"sentiment":"neutral","sentiment_score":0.1776712260075978},{"text":"With curtains and blinds, are you it said that you were kinda still working at some kind of heights, but nothing over 12 meters.","start":468.09003,"end":476.59003,"sentiment":"neutral","sentiment_score":-0.005560053240818282},{"text":"I'm assuming most of what you do is kind of like indoor curtain and blinds installation.","start":476.65002,"end":481.31,"sentiment":"neutral","sentiment_score":-0.004251477439538576},{"text":"Yep.","start":489.265,"end":489.665,"sentiment":"neutral","sentiment_score":0.2148398160934448}],"sentiment":"neutral","sentiment_score":0.039873962877139166,"num_words":52,"start":463.79498,"end":489.665},{"sentences":[{"text":"Awesome.","start":489.665,"end":490.065,"sentiment":"positive","sentiment_score":0.5379095077514648},{"text":"So we go window height, one or two steps.","start":490.065,"end":493.825,"sentiment":"positive","sentiment_score":0.40284498201476204},{"text":"That is brilliant.","start":493.825,"end":494.965,"sentiment":"positive","sentiment_score":0.8218544125556946},{"text":"Family wise, we had you married with Kayla, and you had three children as well.","start":495.98502,"end":505.13,"sentiment":"neutral","sentiment_score":0.11789973303675652},{"text":"K.","start":506.55,"end":507.05,"sentiment":"neutral","sentiment_score":0.016108006238937378}],"sentiment":"neutral","sentiment_score":0.29012695121867904,"num_words":29,"start":489.665,"end":507.05},{"sentences":[{"text":"Is your youngest over 18 now or still about 17?","start":507.91,"end":511.37,"sentiment":"neutral","sentiment_score":0.0157380280084908},{"text":"Yep.","start":516.625,"end":516.945,"sentiment":"neutral","sentiment_score":0.03015725314617157},{"text":"Okay.","start":516.945,"end":517.185,"sentiment":"neutral","sentiment_score":0.03912382572889328},{"text":"So that's still current.","start":517.185,"end":518.145,"sentiment":"neutral","sentiment_score":0.04725777031853795},{"text":"Perfect.","start":518.145,"end":518.545,"sentiment":"neutral","sentiment_score":0.24367955327033997}],"sentiment":"neutral","sentiment_score":0.038786587853203804,"num_words":17,"start":507.91,"end":518.545},{"sentences":[{"text":"I thought maybe that was a bit out of date.","start":518.545,"end":520.72504,"sentiment":"neutral","sentiment_score":-0.2379454955458641},{"text":"Phone number and email address is still the same.","start":521.66504,"end":523.925,"sentiment":"neutral","sentiment_score":-0.08198583250244458},{"text":"Home address is still the same.","start":524.3,"end":525.74,"sentiment":"neutral","sentiment_score":0.0352498268087705},{"text":"That's perfect.","start":525.74,"end":526.54,"sentiment":"neutral","sentiment_score":0.331769660115242},{"text":"Last couple of things here is you've never gone through any bankruptcy or debt agreements before, have you?","start":526.54,"end":534.48,"sentiment":"neutral","sentiment_score":-0.01864231677932872}],"sentiment":"neutral","sentiment_score":-0.05728557486501005,"num_words":45,"start":518.545,"end":534.48},{"sentences":[{"text":"Perfect.","start":536.3,"end":536.8,"sentiment":"neutral","sentiment_score":-0.14632731676101685},{"text":"This one's a little bit of a weird one, but it's a new question from us, and we do have to double check.","start":538.065,"end":542.40497,"sentiment":"neutral","sentiment_score":-0.1183265499446703},{"text":"Are you considered a member of a foreign tax residency by any chance?","start":542.865,"end":548.565,"sentiment":"neutral","sentiment_score":-0.06200530666571397},{"text":"No.","start":550.16,"end":550.56,"sentiment":"neutral","sentiment_score":-0.059489477425813675},{"text":"Awesome.","start":550.56,"end":551.06,"sentiment":"neutral","sentiment_score":0.05857473239302635}],"sentiment":"neutral","sentiment_score":-0.09422619736347443,"num_words":39,"start":536.3,"end":551.06},{"sentences":[{"text":"And we did have a note that you did have in place, like, a will and a power of attorney.","start":551.6,"end":555.68,"sentiment":"neutral","sentiment_score":0.022673055436462163},{"text":"Is that correct?","start":555.68,"end":556.5,"sentiment":"neutral","sentiment_score":0.029752396047115326},{"text":"Awesome.","start":557.68,"end":558.08,"sentiment":"neutral","sentiment_score":0.05400017648935318},{"text":"Would that still be current?","start":558.08,"end":559.2,"sentiment":"neutral","sentiment_score":0.008724157884716987},{"text":"It's not out of date or old or anything like that?","start":559.2,"end":561.94,"sentiment":"neutral","sentiment_score":-0.0820031078024344}],"sentiment":"neutral","sentiment_score":-0.006542373076081276,"num_words":40,"start":551.6,"end":561.94},{"sentences":[{"text":"Perfect.","start":564.945,"end":565.445,"sentiment":"positive","sentiment_score":0.4550504684448242},{"text":"Amazing work.","start":565.505,"end":566.565,"sentiment":"positive","sentiment_score":0.5163224339485168},{"text":"Alrighty.","start":568.145,"end":568.645,"sentiment":"neutral","sentiment_score":0.23682695627212524},{"text":"That's pretty much it.","start":568.865,"end":570.145,"sentiment":"neutral","sentiment_score":0.21642056852579117},{"text":"Anything else on the cards for you guys in the next sort of three years that are important cash flow wise or financial goals?","start":570.145,"end":576.165,"sentiment":"neutral","sentiment_score":0.05585128084445993}],"sentiment":"neutral","sentiment_score":0.12283235334325582,"num_words":32,"start":564.945,"end":576.165},{"sentences":[{"text":"Yeah.","start":591.88495,"end":592.125,"sentiment":"neutral","sentiment_score":-0.007688475772738457},{"text":"Yeah.","start":592.125,"end":592.285,"sentiment":"neutral","sentiment_score":-0.009669498540461063},{"text":"Like a self managed fund or something like that.","start":592.285,"end":594.865,"sentiment":"neutral","sentiment_score":-0.008286387556129031},{"text":"Well, that is one of my favorite topics, and we've been talking about that a lot with people recently.","start":597.165,"end":602.065,"sentiment":"neutral","sentiment_score":0.2620815454345},{"text":"I'm gonna pull up your account.","start":602.87,"end":604.63,"sentiment":"neutral","sentiment_score":0.13268925746281943}],"sentiment":"neutral","sentiment_score":0.15788192904761267,"num_words":36,"start":591.88495,"end":604.63},{"sentences":[{"text":"Just please bear with me.","start":604.63,"end":605.75,"sentiment":"neutral","sentiment_score":-0.007708224654197693},{"text":"My laptop is going very slow, and I wanna get you today's figures.","start":605.75,"end":609.69,"sentiment":"neutral","sentiment_score":-0.1232630186356031},{"text":"I've sent all that through in the reports as well, but it's looking pretty good.","start":610.39,"end":614.65,"sentiment":"neutral","sentiment_score":0.32543513576189675},{"text":"Okay.","start":616.005,"end":616.325,"sentiment":"neutral","sentiment_score":0.2101832628250122},{"text":"So you're sitting at a $178,006.52.","start":616.325,"end":619.70496,"sentiment":"neutral","sentiment_score":0.15883571033676466}],"sentiment":"neutral","sentiment_score":0.11009410489350557,"num_words":40,"start":604.63,"end":619.70496},{"sentences":[{"text":"One thing I'll quickly touch on just before I answer that question is more around the recent fluctuations because what basically happened is after Christmas, stock market's taken a bit of a dive with the war in Iran, and you actually had a bit of a drop from a 184 down to $1.67, and then it's bounced back up to $1.78 $6.05 2.","start":620.08496,"end":641.53,"sentiment":"neutral","sentiment_score":-0.12897004394067657},{"text":"So it's kind of bounced back just in a week and a half's time.","start":641.53,"end":644.99,"sentiment":"neutral","sentiment_score":-0.1642495622592313},{"text":"Now when it comes to, like, cell phone and super funds, so with all of these funds, you're with Hub twenty four.","start":646.53503,"end":651.895,"sentiment":"neutral","sentiment_score":0.1631016138602387},{"text":"We call it a wrap platform.","start":651.895,"end":653.435,"sentiment":"neutral","sentiment_score":0.2740698307752609},{"text":"It has the most kind of investment options in the industry.","start":653.655,"end":657.495,"sentiment":"neutral","sentiment_score":0.29905897785316815}],"sentiment":"neutral","sentiment_score":-0.01639916718905342,"num_words":116,"start":620.08496,"end":657.495},{"sentences":[{"text":"There's about 1,300 options.","start":657.495,"end":659.59503,"sentiment":"neutral","sentiment_score":0.24290656670928001},{"text":"We can pretty much invest you into anything in terms of shares, property, gold, infrastructure, term deposits, anything that we need to do to get you, I guess, a diversified portfolio, I would say, to try and get you to that retirement goal.","start":660.06,"end":676.22504,"sentiment":"positive","sentiment_score":0.35410883260327713},{"text":"Now if you go through for, like, a self managed super fund as an example, you might pull your super together with your partner.","start":676.685,"end":683.34503,"sentiment":"neutral","sentiment_score":0.15199152566492558},{"text":"And, basically, what you've gotta do is with an accountant, you would set up your own super funds, which means you would set up, like, a trust fund.","start":684.205,"end":692.5,"sentiment":"neutral","sentiment_score":0.13099831768444606},{"text":"And as a trustee, you would set up a like, a company is pretty standard.","start":692.64,"end":697.14,"sentiment":"neutral","sentiment_score":0.148886642853419}],"sentiment":"neutral","sentiment_score":0.2258539931815967,"num_words":114,"start":657.495,"end":697.14},{"sentences":[{"text":"So, like, a trust fund and a company.","start":697.28,"end":699.22003,"sentiment":"neutral","sentiment_score":0.13004444725811481},{"text":"The advisers such as ourselves, we usually do self managed super fund advice, like which bank account should you go with to pull your money into.","start":699.68005,"end":708.165,"sentiment":"neutral","sentiment_score":0.1583209974834552},{"text":"Once you've purchased a property, how can you invest the rest of the funds alongside the property so you've got both of them working together, if that makes sense.","start":708.545,"end":718.325,"sentiment":"neutral","sentiment_score":0.17629254660729704},{"text":"Now when you go to borrow, borrowing's a little bit tricky on your super because there's a lot of regulations and restrictions.","start":719.43,"end":725.05,"sentiment":"neutral","sentiment_score":-0.14096648000519385},{"text":"So they call it an LRBA, limited recourse borrowing arrangement.","start":725.43,"end":730.56995,"sentiment":"neutral","sentiment_score":-0.06359964720904827}],"sentiment":"neutral","sentiment_score":0.06875711928464864,"num_words":95,"start":697.28,"end":730.56995},{"sentences":[{"text":"And all that really means is you have to be careful borrowing money on your super.","start":730.79,"end":735.065,"sentiment":"neutral","sentiment_score":-0.11518296808935702},{"text":"So you have to actually set up a whole another trust and trustee.","start":735.065,"end":738.765,"sentiment":"neutral","sentiment_score":-0.025249667895527985},{"text":"So you got two trust funds, two companies.","start":739.145,"end":741.805,"sentiment":"neutral","sentiment_score":0.0060684410855174065},{"text":"One's called a bare trust as opposed to a normal trust that actually holds the loan itself.","start":742.265,"end":748.125,"sentiment":"neutral","sentiment_score":-0.02789704948115875},{"text":"So there's a bit of work that goes into it.","start":748.81,"end":750.88995,"sentiment":"neutral","sentiment_score":-0.06320305615663528}],"sentiment":"neutral","sentiment_score":-0.050451656970835757,"num_words":64,"start":730.79,"end":750.88995},{"sentences":[{"text":"Probably costs on average about $5 to set all of those entities up, another $5 for the advice, and then you've got to actually go out, find the property, and get the loan.","start":750.88995,"end":760.88995,"sentiment":"neutral","sentiment_score":-0.047532828468264954},{"text":"So they can be quite a bit involved there.","start":760.88995,"end":763.875,"sentiment":"neutral","sentiment_score":-0.10907465136713451},{"text":"Now just having a look at what's been going on with the super at the moment, you're in what I would call, like a high growth fund.","start":765.875,"end":774.995,"sentiment":"neutral","sentiment_score":0.06892129716773827},{"text":"Does that ring a bell?","start":774.995,"end":776.1,"sentiment":"neutral","sentiment_score":0.07378521785140038},{"text":"Yep.","start":777.13995,"end":777.63995,"sentiment":"neutral","sentiment_score":0.10816721618175508}],"sentiment":"neutral","sentiment_score":-0.002830491637190183,"num_words":75,"start":750.88995,"end":777.63995},{"sentences":[{"text":"So most of your money is in, like, shares, property, and gold, trying to get those high long term returns.","start":777.69995,"end":783.56,"sentiment":"neutral","sentiment_score":0.19746896475553513},{"text":"Average benchmark, I would say, would be about 10% would be the average that we're trying to hit to get you on track for the retirement goal.","start":784.98,"end":791.305,"sentiment":"neutral","sentiment_score":0.2642311685615116},{"text":"Does that make sense?","start":791.305,"end":792.285,"sentiment":"neutral","sentiment_score":0.09936856292188168},{"text":"Yep.","start":793.305,"end":793.785,"sentiment":"neutral","sentiment_score":0.1403641700744629},{"text":"Now when I go through your performance report, even despite the market going pretty crazy, you've still cleared a 15% return after fees.","start":793.785,"end":802.76495,"sentiment":"neutral","sentiment_score":0.1668581356820853}],"sentiment":"neutral","sentiment_score":0.20612261851628622,"num_words":75,"start":777.69995,"end":802.76495},{"sentences":[{"text":"So you're actually one of the best ones I've seen at Oakview and around the industry.","start":804.77997,"end":809.33997,"sentiment":"positive","sentiment_score":0.5279645081609488},{"text":"You've kind of outperformed pretty much everybody.","start":809.33997,"end":811.92,"sentiment":"positive","sentiment_score":0.6155362299510411},{"text":"It's actually going very, very well at the moment.","start":812.7,"end":814.95996,"sentiment":"positive","sentiment_score":0.5893407993846469},{"text":"One thing that I wanted to kind of double check with you is, obviously, in order to kind of retire earlier, you still need to get some high long term returns to build it up because you can't retire on a $178.","start":815.42,"end":828.265,"sentiment":"neutral","sentiment_score":0.05235497972794941},{"text":"We need to get you up into those, you know, 750,000 million dollars, that kind of ballpark.","start":828.405,"end":835.12,"sentiment":"neutral","sentiment_score":0.08961215549532105}],"sentiment":"neutral","sentiment_score":0.2393688871064684,"num_words":91,"start":804.77997,"end":835.12},{"sentences":[{"text":"Does that make sense?","start":835.12,"end":836.18,"sentiment":"neutral","sentiment_score":0.07697348529472947},{"text":"So when you're growing your super, high growth's okay when you're a bit on the younger side.","start":838.0,"end":844.965,"sentiment":"neutral","sentiment_score":0.1748406418106135},{"text":"But once you've built up those funds, you do need to protect it at some point.","start":845.28503,"end":849.625,"sentiment":"neutral","sentiment_score":0.022635700646787882},{"text":"So when you get close to retirement, you probably don't wanna be 63 sitting in high risk, and then you lose half your super a year before you go to live off of it.","start":849.685,"end":858.80505,"sentiment":"neutral","sentiment_score":-0.1594433387851014},{"text":"Does that make sense?","start":858.80505,"end":859.945,"sentiment":"neutral","sentiment_score":0.0743041392415762}],"sentiment":"neutral","sentiment_score":-0.01975334532558918,"num_words":75,"start":835.12,"end":859.945},{"sentences":[{"text":"So what that basically means in between is if you stay high growth, it's gonna go up and down like a bit of a roller coaster ride.","start":861.23004,"end":868.19,"sentiment":"neutral","sentiment_score":0.009355547527472178},{"text":"Do you ever log in to your hub to keep an eye on it, or was that more just leave it in our hands?","start":868.19,"end":872.53,"sentiment":"neutral","sentiment_score":0.025418406430010993},{"text":"Yep.","start":875.11505,"end":875.35504,"sentiment":"neutral","sentiment_score":0.10184124112129211},{"text":"Anything crazy there?","start":875.35504,"end":876.715,"sentiment":"neutral","sentiment_score":0.040602980802456536},{"text":"Were you were you worried about it, or are you okay with how it's been going?","start":876.715,"end":880.09503,"sentiment":"neutral","sentiment_score":-0.026253921329043806}],"sentiment":"neutral","sentiment_score":0.009383506758112304,"num_words":71,"start":861.23004,"end":880.09503},{"sentences":[{"text":"Yeah.","start":889.44995,"end":889.94995,"sentiment":"neutral","sentiment_score":-0.006337735801935196},{"text":"And 100 percent.","start":893.20996,"end":894.32996,"sentiment":"neutral","sentiment_score":0.06138169517119726},{"text":"One of the things that I I tend to talk clients through, and I I try not to use too much finance jargon because it just gets really annoying after a while, is we talk about the term of volatility.","start":894.32996,"end":904.41504,"sentiment":"neutral","sentiment_score":-0.12048289095982909},{"text":"Right?","start":904.555,"end":905.055,"sentiment":"neutral","sentiment_score":-0.08194516599178314},{"text":"What tends to happen when these events happen and everything pops up on the news is your soup is kind of growing along nice and steadily.","start":905.35504,"end":912.815,"sentiment":"neutral","sentiment_score":-0.01857266234807097}],"sentiment":"neutral","sentiment_score":-0.07332877008060754,"num_words":71,"start":889.44995,"end":912.815},{"sentences":[{"text":"And then once the news kicks off that there's a war and an oil crisis and all this kind of thing and interest rates moving, it tends to go up and down a lot faster.","start":913.10004,"end":921.92004,"sentiment":"neutral","sentiment_score":-0.19320461420076235},{"text":"So higher highs and lower lows.","start":922.30005,"end":924.80005,"sentiment":"neutral","sentiment_score":-0.11240624139706294},{"text":"Now one of the, I guess, the reassuring things is you look at these, like, we call them market cycles.","start":925.395,"end":931.17505,"sentiment":"neutral","sentiment_score":-0.0690589988604188},{"text":"Every seven years, the soft market grows up, and then it crashes.","start":931.955,"end":935.73505,"sentiment":"neutral","sentiment_score":-0.15759903565049171},{"text":"It grows and it crashes.","start":935.79504,"end":936.91504,"sentiment":"neutral","sentiment_score":-0.2300943523645401}],"sentiment":"neutral","sentiment_score":-0.1520440911826415,"num_words":78,"start":913.10004,"end":936.91504},{"sentences":[{"text":"It grows and it crashes.","start":936.91504,"end":938.03503,"sentiment":"neutral","sentiment_score":-0.22835003733634948},{"text":"And, basically, if you remember, we had the GFC back in 2009.","start":938.03503,"end":942.39,"sentiment":"neutral","sentiment_score":-0.06656458570311467},{"text":"We had COVID.","start":942.53,"end":943.43,"sentiment":"neutral","sentiment_score":-0.06909425308307011},{"text":"Now we've got this situation, which could turn into something similar.","start":943.73,"end":946.95,"sentiment":"neutral","sentiment_score":-0.11566444892774928},{"text":"That type of pattern just keeps repeating itself forever.","start":947.65,"end":950.61,"sentiment":"neutral","sentiment_score":-0.17386306160026127}],"sentiment":"neutral","sentiment_score":-0.12462211167439818,"num_words":40,"start":936.91504,"end":950.61},{"sentences":[{"text":"Does that make sense?","start":950.61,"end":951.585,"sentiment":"neutral","sentiment_score":-0.011935116723179817},{"text":"Yep.","start":952.705,"end":953.10504,"sentiment":"neutral","sentiment_score":0.18223141133785248},{"text":"So what tends to happen there is usually, it's okay to kind of use these opportunities as maybe even a bit of a buying opportunity.","start":953.10504,"end":962.16504,"sentiment":"positive","sentiment_score":0.3945757061243057},{"text":"The stock market dips for a little bit.","start":962.465,"end":964.305,"sentiment":"neutral","sentiment_score":0.030838068574666977},{"text":"Your contributions go in.","start":964.305,"end":965.94,"sentiment":"neutral","sentiment_score":0.24834585189819336}],"sentiment":"neutral","sentiment_score":0.26759456080340205,"num_words":42,"start":950.61,"end":965.94},{"sentences":[{"text":"You can buy some shares, property gold for a cheaper price.","start":966.02,"end":969.08,"sentiment":"positive","sentiment_score":0.38494740291075275},{"text":"And then when the market bounces back, you get those high double digit returns.","start":969.22003,"end":973.48,"sentiment":"positive","sentiment_score":0.3682274658765112},{"text":"So what tends to happen is your super could go up ten, twenty, 30%.","start":973.7,"end":978.82,"sentiment":"neutral","sentiment_score":0.2726433724164963},{"text":"It could go down 15%.","start":978.82,"end":980.84,"sentiment":"neutral","sentiment_score":0.038861827552318574},{"text":"What we're trying to do is average it out at that 10% over a long period of time.","start":981.425,"end":986.245,"sentiment":"neutral","sentiment_score":0.23589681420061323}],"sentiment":"neutral","sentiment_score":0.2846300800240809,"num_words":62,"start":966.02,"end":986.245},{"sentences":[{"text":"So what that equates to dollar terms for you is because of your income level, let's say your employer is putting in their usual, like, 12%.","start":989.425,"end":998.67,"sentiment":"neutral","sentiment_score":0.20250750247102517},{"text":"You could have 9,000 going in, but because you're sitting at a 178 now, if the market goes up or down 10%, we're talking $20,000 up, $20,000 down.","start":998.81,"end":1010.385,"sentiment":"neutral","sentiment_score":0.20728062465786934},{"text":"So your super is now growing more than what you're putting in in contributions.","start":1010.525,"end":1015.025,"sentiment":"positive","sentiment_score":0.47093511266367777},{"text":"So what I wanna check with you is, are you kind of okay to still focus on that kind of long term return while you've still got that twenty years to go?","start":1017.405,"end":1026.95,"sentiment":"neutral","sentiment_score":0.17299381108023226},{"text":"Because we would normally look at protecting it and reducing the risk in the last seven years or so.","start":1027.09,"end":1032.87,"sentiment":"neutral","sentiment_score":0.07640071762235541}],"sentiment":"neutral","sentiment_score":0.20713915732227453,"num_words":119,"start":989.425,"end":1032.87},{"sentences":[{"text":"Yeah.","start":1039.825,"end":1040.325,"sentiment":"neutral","sentiment_score":0.021042559295892715},{"text":"And, look, it's not really even leaving things to chance really because one of the things that people ask me is like, hey.","start":1040.5449,"end":1047.02,"sentiment":"neutral","sentiment_score":-0.0057962593501028805},{"text":"When the world's on fire, can you just put me in something safer and then put me back in when everything's okay on the news?","start":1047.02,"end":1054.4,"sentiment":"neutral","sentiment_score":-0.00562596544623375},{"text":"And it's just what I've found over my career over the last sort of twelve to thirteen years is no one can time when to do that no matter how good they are, not even Warren Buffett.","start":1054.7,"end":1064.8151,"sentiment":"neutral","sentiment_score":-0.07772519902603046},{"text":"So what tends to happen is I say this all the time.","start":1065.915,"end":1068.7351,"sentiment":"neutral","sentiment_score":-0.10193920073409875}],"sentiment":"neutral","sentiment_score":-0.04440840117025132,"num_words":98,"start":1039.825,"end":1068.7351},{"sentences":[{"text":"News kicks off with COVID and someone super crashes down.","start":1068.795,"end":1072.495,"sentiment":"negative","sentiment_score":-0.3495566099882126},{"text":"They pull it all out to cash, which is like selling everything, and you crystallize that loss.","start":1072.555,"end":1077.52,"sentiment":"neutral","sentiment_score":-0.1905480320839321},{"text":"Like, your house goes from $600 to 500.","start":1077.52,"end":1079.94,"sentiment":"neutral","sentiment_score":0.09475378878414631},{"text":"I'm gonna run off and sell that house.","start":1080.0,"end":1081.78,"sentiment":"neutral","sentiment_score":0.05773023935034871},{"text":"And then all of a sudden, six months later, you find out that the house market's back up, and you've got to go back in.","start":1082.4,"end":1087.935,"sentiment":"neutral","sentiment_score":0.12293745428323746}],"sentiment":"neutral","sentiment_score":-0.03590550092870698,"num_words":68,"start":1068.795,"end":1087.935},{"sentences":[{"text":"So what we tend to say is, like, are you comfortable, like, riding out those waves in the short term?","start":1089.8551,"end":1096.035,"sentiment":"neutral","sentiment_score":0.2238047018647194},{"text":"Let your contributions buy up everything as long as the investments are good.","start":1096.0951,"end":1099.95,"sentiment":"positive","sentiment_score":0.38880235185989964},{"text":"K?","start":1102.6699,"end":1103.1699,"sentiment":"neutral","sentiment_score":0.2721215486526489},{"text":"Now I'm not trying to be irresponsible with your super not trying to sit there and say, hey, mate.","start":1103.7899,"end":1107.3099,"sentiment":"neutral","sentiment_score":-0.12232907253660653},{"text":"Yeah.","start":1107.3099,"end":1107.47,"sentiment":"neutral","sentiment_score":-0.08231987059116364}],"sentiment":"neutral","sentiment_score":0.1369643316914638,"num_words":54,"start":1089.8551,"end":1107.47},{"sentences":[{"text":"Let it crash down to $90,000 or something silly like that.","start":1107.47,"end":1110.75,"sentiment":"neutral","sentiment_score":-0.17138405415144833},{"text":"But it's just making sure that what you're in over time is gonna get you what you need.","start":1110.75,"end":1115.175,"sentiment":"neutral","sentiment_score":0.16286033102207714},{"text":"Now one thing that I can see here, which is the only worry that I've currently got, you've got about eight different investment options.","start":1116.935,"end":1124.875,"sentiment":"neutral","sentiment_score":0.12630504618088403},{"text":"So some of it's in gold, American shares, Australian shares, property.","start":1125.015,"end":1129.9299,"sentiment":"neutral","sentiment_score":0.15389450233091007},{"text":"Most everything's done very, very, very well.","start":1130.23,"end":1132.6499,"sentiment":"positive","sentiment_score":0.6474079830305917}],"sentiment":"neutral","sentiment_score":0.14510250532291305,"num_words":71,"start":1107.47,"end":1132.6499},{"sentences":[{"text":"That's how you've gotten that 15% return.","start":1132.7899,"end":1135.2899,"sentiment":"positive","sentiment_score":0.5309906303882599},{"text":"Are you able to see that report that I've sent you through, or should I kind of just run you through what's in there?","start":1136.23,"end":1142.97,"sentiment":"neutral","sentiment_score":0.07108603278174996},{"text":"Yeah.","start":1150.115,"end":1150.5149,"sentiment":"neutral","sentiment_score":0.018894493579864505},{"text":"There's a hub one there, and it's a twelve month performance.","start":1150.5149,"end":1153.735,"sentiment":"neutral","sentiment_score":0.025285632942210545},{"text":"And it's basically just got a big silly looking table with a whole bunch of numbers all over it.","start":1154.115,"end":1159.69,"sentiment":"neutral","sentiment_score":-0.06108007648665654}],"sentiment":"neutral","sentiment_score":0.07354055164802459,"num_words":62,"start":1132.7899,"end":1159.69},{"sentences":[{"text":"So I'm gonna pull this up.","start":1160.95,"end":1163.19,"sentiment":"neutral","sentiment_score":0.0024506996075312295},{"text":"Just give me one quick sec.","start":1163.19,"end":1164.89,"sentiment":"neutral","sentiment_score":0.008646280815203985},{"text":"So I pulled out about seven reports from your super fund, and I'm just trying to let it load.","start":1166.07,"end":1170.17,"sentiment":"neutral","sentiment_score":0.005387351799168084},{"text":"Here we go.","start":1172.605,"end":1173.505,"sentiment":"neutral","sentiment_score":-0.04561180000503858},{"text":"It seems to be crashing.","start":1176.8451,"end":1178.045,"sentiment":"negative","sentiment_score":-0.36688589453697207}],"sentiment":"neutral","sentiment_score":-0.04621341810203516,"num_words":39,"start":1160.95,"end":1178.045},{"sentences":[{"text":"Bear with me for two seconds, mate.","start":1178.045,"end":1179.885,"sentiment":"neutral","sentiment_score":-0.2665521821805409},{"text":"There.","start":1179.885,"end":1180.125,"sentiment":"neutral","sentiment_score":-0.1127326637506485},{"text":"Gotcha.","start":1180.125,"end":1180.625,"sentiment":"neutral","sentiment_score":-0.0648612529039383},{"text":"K.","start":1182.2051,"end":1182.685,"sentiment":"neutral","sentiment_score":0.005350238643586636},{"text":"So the total portfolio return, 15 and a half percent after fees.","start":1182.685,"end":1187.05,"sentiment":"neutral","sentiment_score":0.09632798035939534}],"sentiment":"neutral","sentiment_score":-0.04009878131645647,"num_words":22,"start":1178.045,"end":1187.05},{"sentences":[{"text":"That's great.","start":1187.05,"end":1187.87,"sentiment":"positive","sentiment_score":0.6623992621898651},{"text":"Most of the ones, if you can see that table, it should have a whole bunch of codes on it.","start":1188.5701,"end":1193.37,"sentiment":"neutral","sentiment_score":0.22557273399434052},{"text":"Like, the left hand column, it says b h y b and hack.","start":1193.37,"end":1197.7101,"sentiment":"neutral","sentiment_score":0.024242606443854477},{"text":"Can you see all that?","start":1198.155,"end":1199.295,"sentiment":"neutral","sentiment_score":0.03617467433214187},{"text":"Cool.","start":1200.635,"end":1201.135,"sentiment":"positive","sentiment_score":0.5357818603515625}],"sentiment":"neutral","sentiment_score":0.16751371512314442,"num_words":41,"start":1187.05,"end":1201.135},{"sentences":[{"text":"Right hand side, you can see the returns in percentage terms.","start":1201.355,"end":1205.515,"sentiment":"neutral","sentiment_score":0.15301695533774115},{"text":"So if you look in the middle, you can see most of your funds sitting there at 22%, 13, a 100%, 33.","start":1205.515,"end":1212.0751,"sentiment":"neutral","sentiment_score":0.3209024877710776},{"text":"Like, the growth is just insane.","start":1212.0751,"end":1213.6951,"sentiment":"positive","sentiment_score":0.5519706805547079},{"text":"The only one that's underperformed is the Australian shares at the top.","start":1215.37,"end":1218.89,"sentiment":"neutral","sentiment_score":-0.06530346162617207},{"text":"See the Bennelong one?","start":1218.89,"end":1220.27,"sentiment":"neutral","sentiment_score":0.009560723789036274}],"sentiment":"neutral","sentiment_score":0.20562666688453068,"num_words":55,"start":1201.355,"end":1220.27},{"sentences":[{"text":"So that one's gone down about eight or 9%, whereas the market's only gone down about six.","start":1222.25,"end":1227.71,"sentiment":"neutral","sentiment_score":-0.21431050098994198},{"text":"So it's kind of underperforming a little bit compared to everybody else in that Australian shares.","start":1228.085,"end":1234.425,"sentiment":"negative","sentiment_score":-0.3575552608817816},{"text":"So what I'm basically telling you is everything's above average.","start":1235.765,"end":1240.825,"sentiment":"neutral","sentiment_score":0.07207201868295669},{"text":"You're getting the target.","start":1241.37,"end":1242.57,"sentiment":"neutral","sentiment_score":0.1449824720621109},{"text":"Everything's performed well, but that one option has been underperforming for a little while.","start":1242.57,"end":1247.07,"sentiment":"neutral","sentiment_score":-0.21595013354505813}],"sentiment":"neutral","sentiment_score":-0.1817510571391856,"num_words":61,"start":1222.25,"end":1247.07},{"sentences":[{"text":"I would probably look at switching that out.","start":1247.29,"end":1249.55,"sentiment":"neutral","sentiment_score":-0.19145688973367214},{"text":"Now one question I do have for you, and, again, I'm gonna make a recommendation for you, but I just wanna get your gut feeling on this.","start":1251.6901,"end":1258.085,"sentiment":"neutral","sentiment_score":0.08415255792163036},{"text":"If you had to pick between low fees and it just follows the market closely or you pay some slightly higher investment fees to try and get a better return, which way do you lean?","start":1258.465,"end":1270.465,"sentiment":"neutral","sentiment_score":-0.006901934849364417},{"text":"Which way is your gut telling you to go?","start":1270.465,"end":1272.36,"sentiment":"neutral","sentiment_score":0.02367233257326815},{"text":"No.","start":1280.28,"end":1280.52,"sentiment":"neutral","sentiment_score":-0.13477739691734314}],"sentiment":"neutral","sentiment_score":0.007214622781611979,"num_words":80,"start":1247.29,"end":1280.52},{"sentences":[{"text":"That's fine.","start":1280.52,"end":1281.24,"sentiment":"neutral","sentiment_score":-0.011241113767027855},{"text":"You're currently in a mix of both.","start":1281.24,"end":1284.54,"sentiment":"neutral","sentiment_score":-0.004065029855285372},{"text":"So we've got you in a mix where most of your money is in low fee investments, and a couple of little satellite options where we've got small amounts is in the active side that pays a little bit higher to try and get a little bit more.","start":1284.675,"end":1297.395,"sentiment":"neutral","sentiment_score":0.055867843329906464},{"text":"They're kinda like sled dogs that pull you along a little bit quicker.","start":1297.395,"end":1300.27,"sentiment":"neutral","sentiment_score":0.10098743438720703},{"text":"Does that make sense?","start":1300.27,"end":1301.45,"sentiment":"neutral","sentiment_score":0.0768149197101593}],"sentiment":"neutral","sentiment_score":0.05744345093498359,"num_words":74,"start":1280.52,"end":1301.45},{"sentences":[{"text":"So if you're comfortable with that style and things are going well and it's on track, I can keep with the same style.","start":1302.47,"end":1309.05,"sentiment":"neutral","sentiment_score":0.2665968057901963},{"text":"I can just switch that one option out for something that's a bit better like for like.","start":1309.19,"end":1313.35,"sentiment":"neutral","sentiment_score":0.08777191972031313},{"text":"So same style, but better performance.","start":1313.35,"end":1315.53,"sentiment":"neutral","sentiment_score":0.09046991790334384},{"text":"Cool.","start":1319.265,"end":1319.745,"sentiment":"positive","sentiment_score":0.5647892951965332},{"text":"So what I've gotta do in that case is we do a little bit of research.","start":1319.745,"end":1323.8251,"sentiment":"neutral","sentiment_score":0.16785745695233345}],"sentiment":"neutral","sentiment_score":0.18122503622656777,"num_words":63,"start":1302.47,"end":1323.8251},{"sentences":[{"text":"We've got about two or three funds that we've been looking at recently.","start":1323.8251,"end":1326.885,"sentiment":"neutral","sentiment_score":0.08163650849690804},{"text":"I will do the comparisons up and update your statement of advice, which has all of your figures and goals and everything in it, and then we'll run through that together, make sure you're happy with what I'm thinking we should change.","start":1327.265,"end":1338.9,"sentiment":"neutral","sentiment_score":0.15698841923759096},{"text":"And if you're good to go on that, I can switch it around a little bit.","start":1338.9,"end":1342.515,"sentiment":"neutral","sentiment_score":0.09126719809137285},{"text":"Cool.","start":1344.435,"end":1344.935,"sentiment":"positive","sentiment_score":0.4236118197441101},{"text":"Outside of that, again, there's been no, like, major changes in terms of fees or features for the superfund, so there doesn't seem to be much of a reason to look at changing superfunds.","start":1347.235,"end":1357.975,"sentiment":"neutral","sentiment_score":0.025049429496421534}],"sentiment":"neutral","sentiment_score":0.09802222462757579,"num_words":106,"start":1323.8251,"end":1357.975},{"sentences":[{"text":"Again, it's more just about the portfolio under the hood.","start":1358.9601,"end":1362.64,"sentiment":"neutral","sentiment_score":0.11348815001547337},{"text":"Just bit of an engine tune, I would say.","start":1362.64,"end":1364.9,"sentiment":"neutral","sentiment_score":0.09032879273096721},{"text":"K?","start":1366.56,"end":1367.06,"sentiment":"neutral","sentiment_score":0.04268801212310791},{"text":"One thing in terms of, like, contributions and everything is now that they've changed the legislation, your employer is about to start putting it in every pay rather than, like, on a quarterly basis.","start":1368.48,"end":1379.7749,"sentiment":"neutral","sentiment_score":0.0767853898818002},{"text":"So your contribution is gonna be coming in a lot more frequently, and they're gonna buy in a lot more frequently, which is really good for you.","start":1381.355,"end":1388.475,"sentiment":"positive","sentiment_score":0.44530502182466014}],"sentiment":"neutral","sentiment_score":0.20524033940868613,"num_words":81,"start":1358.9601,"end":1388.475},{"sentences":[{"text":"It basically means that rather than waiting three months and missing an opportunity, if it's coming in every week, you get to buy every single week.","start":1388.475,"end":1396.4401,"sentiment":"neutral","sentiment_score":0.25734594464302063},{"text":"So we call that dollar cost averaging.","start":1397.78,"end":1399.4601,"sentiment":"positive","sentiment_score":0.3476537380899702},{"text":"That's gonna be really good for everybody super.","start":1399.4601,"end":1401.56,"sentiment":"positive","sentiment_score":0.6583986505866051},{"text":"I am actually personally quite excited for that myself.","start":1402.18,"end":1405.16,"sentiment":"positive","sentiment_score":0.7136993871794807},{"text":"Now in terms of that $90,000 income that you have, I'm basing everything off what your employer puts in.","start":1407.3451,"end":1415.045,"sentiment":"neutral","sentiment_score":0.1884308986757931}],"sentiment":"positive","sentiment_score":0.35355422451444296,"num_words":69,"start":1388.475,"end":1415.045},{"sentences":[{"text":"Are you looking to do any, like, salary sacrifice at the moment?","start":1415.9851,"end":1419.27,"sentiment":"neutral","sentiment_score":0.045060399609307446},{"text":"Are you wanting to put $50 a week into your super, get a bit of a tax deduction for it, or are you trying to focus your cash flow on, say, the mortgage?","start":1419.35,"end":1428.25,"sentiment":"neutral","sentiment_score":0.0974749345896822},{"text":"Yep.","start":1437.225,"end":1437.725,"sentiment":"neutral","sentiment_score":0.07052469253540039},{"text":"At the moment, like, you're tracking really well for your age.","start":1437.865,"end":1441.005,"sentiment":"positive","sentiment_score":0.4783332049846649},{"text":"You've got a decent balance.","start":1441.625,"end":1443.145,"sentiment":"positive","sentiment_score":0.746204423904419}],"sentiment":"neutral","sentiment_score":0.20678402747838728,"num_words":62,"start":1415.9851,"end":1443.145},{"sentences":[{"text":"You're in high growth.","start":1443.145,"end":1444.1849,"sentiment":"positive","sentiment_score":0.7703985422849655},{"text":"You've a pretty good income.","start":1444.1849,"end":1445.565,"sentiment":"positive","sentiment_score":0.7312188506126404},{"text":"So your contributions and your growth should get you to a pretty good balance by the end.","start":1446.12,"end":1451.42,"sentiment":"positive","sentiment_score":0.7938872996498557},{"text":"You don't have to rush off to do extra contribution today.","start":1451.56,"end":1454.78,"sentiment":"positive","sentiment_score":0.4300409040667794},{"text":"It may be something that you do late forties, early fifties.","start":1455.0,"end":1458.78,"sentiment":"positive","sentiment_score":0.39583610133691266}],"sentiment":"positive","sentiment_score":0.6108004078269005,"num_words":48,"start":1443.145,"end":1458.78},{"sentences":[{"text":"We can even do a few things after 60 as well, like a transition to retirement strategy.","start":1459.0549,"end":1463.535,"sentiment":"positive","sentiment_score":0.4647630453109741},{"text":"There's all kinds of things we can do.","start":1463.535,"end":1465.2949,"sentiment":"positive","sentiment_score":0.5156915783882141},{"text":"I just wanna kind of tailor it to what's going on in your life.","start":1465.2949,"end":1468.275,"sentiment":"positive","sentiment_score":0.4349845413650785},{"text":"So now we did have you saving at about a $100 a week.","start":1470.015,"end":1474.35,"sentiment":"neutral","sentiment_score":0.22956552643042344},{"text":"Have you talked with your partner about putting aside some some extra savings, extra repayments to the mortgage?","start":1474.35,"end":1480.77,"sentiment":"neutral","sentiment_score":0.15780371261967552}],"sentiment":"positive","sentiment_score":0.34201580924647196,"num_words":70,"start":1459.0549,"end":1480.77},{"sentences":[{"text":"How's the cash flow going?","start":1480.99,"end":1482.53,"sentiment":"neutral","sentiment_score":0.13792390376329422},{"text":"Yeah.","start":1494.045,"end":1494.545,"sentiment":"neutral","sentiment_score":0.05444025620818138},{"text":"Yeah.","start":1504.9401,"end":1505.34,"sentiment":"neutral","sentiment_score":0.0918915644288063},{"text":"Right.","start":1505.34,"end":1505.5801,"sentiment":"neutral","sentiment_score":0.0766928419470787},{"text":"How much is Bartley gonna cost you?","start":1505.5801,"end":1507.365,"sentiment":"neutral","sentiment_score":0.07486234552093915}],"sentiment":"neutral","sentiment_score":0.09577870666980744,"num_words":15,"start":1480.99,"end":1507.365},{"sentences":[{"text":"Yeah.","start":1514.885,"end":1515.205,"sentiment":"neutral","sentiment_score":0.05394335836172104},{"text":"I mean, you might only spend 5 or 10 in Bali as opposed to 20 or 30 in Europe.","start":1515.205,"end":1520.245,"sentiment":"neutral","sentiment_score":0.0658476346809613},{"text":"Right?","start":1520.245,"end":1520.745,"sentiment":"neutral","sentiment_score":0.04515900835394859},{"text":"Cool.","start":1522.82,"end":1523.1399,"sentiment":"positive","sentiment_score":0.3435199558734894},{"text":"I might just put that down as one of your goals just so we can track that that's important as well.","start":1523.1399,"end":1528.44,"sentiment":"positive","sentiment_score":0.3827596775123051}],"sentiment":"neutral","sentiment_score":0.22631815370432165,"num_words":43,"start":1514.885,"end":1528.44},{"sentences":[{"text":"A bit of a Bali holiday in the next twelve months.","start":1528.8999,"end":1531.48,"sentiment":"neutral","sentiment_score":0.21734609522602774},{"text":"Now would you say a $100 a week is still what you're able to put aside after all your expenses?","start":1534.595,"end":1539.735,"sentiment":"neutral","sentiment_score":0.18348035365343093},{"text":"Has that gone up with your income?","start":1539.7949,"end":1541.315,"sentiment":"neutral","sentiment_score":0.0956468688590186},{"text":"Has that gone down with the cost of living and fuel?","start":1541.315,"end":1543.875,"sentiment":"neutral","sentiment_score":0.11007713797417554},{"text":"What what are you thinking?","start":1543.875,"end":1545.015,"sentiment":"neutral","sentiment_score":0.059061463177204135}],"sentiment":"neutral","sentiment_score":0.15252033400314827,"num_words":54,"start":1528.8999,"end":1545.015},{"sentences":[{"text":"Yeah.","start":1554.23,"end":1554.47,"sentiment":"neutral","sentiment_score":0.14881786704063416},{"text":"Yep.","start":1554.47,"end":1554.97,"sentiment":"neutral","sentiment_score":0.14779040217399597},{"text":"So that all just goes into savings.","start":1555.5901,"end":1557.5049,"sentiment":"neutral","sentiment_score":0.15737174398132733},{"text":"Are you are you making, like, actual extra repayments, or do you guys use, like, an offset account?","start":1557.5049,"end":1562.365,"sentiment":"neutral","sentiment_score":0.01408193570872148},{"text":"Perfect.","start":1567.785,"end":1568.285,"sentiment":"positive","sentiment_score":0.5849133729934692}],"sentiment":"neutral","sentiment_score":0.0798785247440849,"num_words":28,"start":1554.23,"end":1568.285},{"sentences":[{"text":"Amazing.","start":1570.28,"end":1570.78,"sentiment":"positive","sentiment_score":0.5357416868209839},{"text":"Cool.","start":1573.0,"end":1573.32,"sentiment":"positive","sentiment_score":0.542252242565155},{"text":"Cool.","start":1573.32,"end":1573.48,"sentiment":"positive","sentiment_score":0.47666096687316895},{"text":"Cool.","start":1573.48,"end":1573.98,"sentiment":"positive","sentiment_score":0.3755473494529724},{"text":"Now when you mentioned before possibly using your super to buy investment properties, are you looking at doing any investing personally?","start":1574.76,"end":1581.1,"sentiment":"neutral","sentiment_score":0.061369787014666055}],"sentiment":"neutral","sentiment_score":0.1287587109208107,"num_words":25,"start":1570.28,"end":1581.1},{"sentences":[{"text":"Buying investment properties, getting into some shares of managed funds over the next ten, twenty years, anything like that?","start":1581.16,"end":1587.6951,"sentiment":"neutral","sentiment_score":0.04342483533056159},{"text":"Yeah.","start":1600.65,"end":1600.9701,"sentiment":"neutral","sentiment_score":-0.01684107445180416},{"text":"So there's really no, I guess, wrong answer when it comes to investing as long as you don't overextend a bit too much.","start":1600.9701,"end":1607.93,"sentiment":"neutral","sentiment_score":-0.06921049887719362},{"text":"So your two real options are, you've got a bit in the way of equity, so you could potentially borrow off the home and buy an investment property.","start":1607.93,"end":1616.4651,"sentiment":"neutral","sentiment_score":0.07940613598163639},{"text":"Are you thinking of staying where you are for a while?","start":1616.4651,"end":1619.045,"sentiment":"neutral","sentiment_score":0.045094375583258545}],"sentiment":"neutral","sentiment_score":0.023607308067744824,"num_words":82,"start":1581.16,"end":1619.045},{"sentences":[{"text":"Once they go, are you gonna upgrade homes, downsize, move states?","start":1628.88,"end":1634.26,"sentiment":"neutral","sentiment_score":-0.034126751124858856},{"text":"Yeah.","start":1640.735,"end":1641.135,"sentiment":"neutral","sentiment_score":0.000750809907913208},{"text":"Totally fair.","start":1641.135,"end":1641.935,"sentiment":"neutral","sentiment_score":0.027584453113377094},{"text":"That's a big one.","start":1641.935,"end":1642.995,"sentiment":"neutral","sentiment_score":-0.06859170459210873},{"text":"That is a big one.","start":1643.055,"end":1644.355,"sentiment":"neutral","sentiment_score":-0.13195034563541413}],"sentiment":"neutral","sentiment_score":-0.054504047512360244,"num_words":23,"start":1628.88,"end":1644.355},{"sentences":[{"text":"Trying to reconcile that they're 18 and they're almost out of home.","start":1648.27,"end":1652.53,"sentiment":"neutral","sentiment_score":-0.07084306081136067},{"text":"Yeah.","start":1654.27,"end":1654.51,"sentiment":"neutral","sentiment_score":-0.0892241969704628},{"text":"That's a tough one, mate.","start":1654.51,"end":1655.4701,"sentiment":"neutral","sentiment_score":-0.2605778187513351},{"text":"Mine are only six and three, and I've got another one on the way, so I'm well off that stage.","start":1655.4701,"end":1659.9701,"sentiment":"neutral","sentiment_score":-0.1435050429776311},{"text":"But are they do you reckon they're all gonna be out soon?","start":1660.1901,"end":1664.425,"sentiment":"neutral","sentiment_score":0.004326832170287768}],"sentiment":"neutral","sentiment_score":-0.1012081778794527,"num_words":50,"start":1648.27,"end":1664.425},{"sentences":[{"text":"Are they pretty reliant?","start":1664.425,"end":1665.625,"sentiment":"neutral","sentiment_score":-0.035621664486825466},{"text":"Are they pretty self sufficient?","start":1665.625,"end":1667.085,"sentiment":"neutral","sentiment_score":-0.03308475576341152},{"text":"And that's one of the things.","start":1685.38,"end":1686.34,"sentiment":"neutral","sentiment_score":0.29696491609017056},{"text":"Like, when I talk investing for people, sometimes they like investing to build up some funds for when the kids turn 18.","start":1686.34,"end":1692.895,"sentiment":"neutral","sentiment_score":0.2090013792568987},{"text":"Your kids are very close to that point anyway, so it's not you're not gonna be able to build up too much unless you just pile in the savings and help them that way or, you know, like you said, let them stay at home and build a deposit, go guarantor on a loan one day.","start":1692.895,"end":1705.63,"sentiment":"neutral","sentiment_score":0.22617727664432355}],"sentiment":"neutral","sentiment_score":0.20148211715602746,"num_words":93,"start":1664.425,"end":1705.63},{"sentences":[{"text":"That's probably the the things that you might be able to do.","start":1705.93,"end":1709.23,"sentiment":"neutral","sentiment_score":0.19323711842298508},{"text":"So what we can do is, like, we can obviously, we're looking after the super at the moment.","start":1710.89,"end":1715.39,"sentiment":"neutral","sentiment_score":0.2307792959941758},{"text":"If at any point you and Kayla wanna look at some investing, whether it's property, even your your Hub 24, they give you investment accounts like your super account, and you can put it in something safe, medium risk, high risk.","start":1715.5249,"end":1728.725,"sentiment":"neutral","sentiment_score":0.2029735315136793},{"text":"We can build a whole different portfolio in there, and you can have it on the same login.","start":1728.725,"end":1733.12,"sentiment":"neutral","sentiment_score":0.27768875906864804},{"text":"Like, if you wanna do a bit of a dip your toe in the water with $10 one day and slowly build that up in the background, we can do that too.","start":1733.12,"end":1741.06,"sentiment":"neutral","sentiment_score":0.22137511568143964}],"sentiment":"neutral","sentiment_score":0.22212552814936834,"num_words":121,"start":1705.93,"end":1741.06},{"sentences":[{"text":"Or, again, you can borrow, get an investment property.","start":1741.2001,"end":1744.3401,"sentiment":"neutral","sentiment_score":0.10177315688795513},{"text":"Really up to you guys.","start":1744.915,"end":1746.215,"sentiment":"neutral","sentiment_score":0.15382833629846573},{"text":"Cool.","start":1748.515,"end":1749.015,"sentiment":"positive","sentiment_score":0.3463290333747864},{"text":"Cool.","start":1750.515,"end":1751.015,"sentiment":"neutral","sentiment_score":0.2716851234436035},{"text":"Sam, one thing I did see is on your hub account, we don't have your beneficiary up to date.","start":1751.475,"end":1758.055,"sentiment":"neutral","sentiment_score":0.027587059493127623}],"sentiment":"neutral","sentiment_score":0.08077909659062113,"num_words":35,"start":1741.2001,"end":1758.055},{"sentences":[{"text":"Were you still wanting to nominate your partner to receive the super?","start":1761.75,"end":1766.09,"sentiment":"neutral","sentiment_score":0.10951740915576617},{"text":"Yeah.","start":1769.11,"end":1769.61,"sentiment":"neutral","sentiment_score":0.14150965213775635},{"text":"Oh, that's what I wanted to check because when you do a super nomination, you can direct the super fund with one of these forms for the Supergo directly to your partner, and it's the quickest way you pass away, Supergo's in her name, all that kind of thing.","start":1780.165,"end":1795.77,"sentiment":"neutral","sentiment_score":0.0680156757636946},{"text":"But if you specifically wrote in your will for your super to be involved in the will, then we can aim your super to the will.","start":1796.965,"end":1808.745,"sentiment":"neutral","sentiment_score":0.17800446771658385},{"text":"So if there's no nomination currently, that's an issue.","start":1808.84,"end":1811.58,"sentiment":"neutral","sentiment_score":-0.17875497167309126}],"sentiment":"neutral","sentiment_score":0.08049286690723036,"num_words":97,"start":1761.75,"end":1811.58},{"sentences":[{"text":"If you did do the super in the will, we can do a legal personal representative nomination to put it in that direction.","start":1812.28,"end":1819.34,"sentiment":"neutral","sentiment_score":0.13352031293122665},{"text":"Do you remember if you put the super in the will?","start":1819.64,"end":1822.22,"sentiment":"neutral","sentiment_score":0.014536397192965855},{"text":"Goes to your partner.","start":1829.555,"end":1830.6951,"sentiment":"neutral","sentiment_score":-0.045292353723198175},{"text":"Yeah.","start":1837.0901,"end":1837.49,"sentiment":"neutral","sentiment_score":0.10971881449222563},{"text":"So what I might do, if you can have a quick chat to your partner about that, just double check because either way will be okay, but we just wanna get the right nomination.","start":1837.49,"end":1848.55,"sentiment":"neutral","sentiment_score":0.22357807527570164}],"sentiment":"neutral","sentiment_score":0.14741193870567296,"num_words":73,"start":1812.28,"end":1848.55},{"sentences":[{"text":"Are you okay for me to send you the hub beneficiary forms?","start":1848.855,"end":1853.595,"sentiment":"neutral","sentiment_score":0.20890827973683676},{"text":"And then we can just put on there either her directly.","start":1853.975,"end":1857.515,"sentiment":"neutral","sentiment_score":0.2128640521656383},{"text":"That's the quick way it's tax free.","start":1857.975,"end":1860.155,"sentiment":"positive","sentiment_score":0.45374813250132967},{"text":"If the will's taking care of it, we can do that type of nomination too.","start":1860.215,"end":1864.74,"sentiment":"neutral","sentiment_score":0.32052016655604043},{"text":"Yeah.","start":1877.135,"end":1877.615,"sentiment":"neutral","sentiment_score":0.21208296716213224}],"sentiment":"neutral","sentiment_score":0.2835766592103502,"num_words":46,"start":1848.855,"end":1877.615},{"sentences":[{"text":"When you do the forms, it's really easy.","start":1877.615,"end":1879.615,"sentiment":"neutral","sentiment_score":0.26207402534782887},{"text":"So when you get to the nominee for who you wanna nominate, you can literally either put her name down and say a 100%, or there's literally a box that says legal personal representative, which is your will.","start":1879.615,"end":1889.97,"sentiment":"neutral","sentiment_score":0.14317790467880273},{"text":"So either one.","start":1890.13,"end":1891.35,"sentiment":"neutral","sentiment_score":0.0416119247674942},{"text":"And you've just gotta get it witnessed by two people who are not your beneficiary and a little bit of an ink signature because it is a legal document.","start":1891.57,"end":1899.99,"sentiment":"neutral","sentiment_score":0.02192176184777556},{"text":"You can choose for it to be this is a bit of a strange question.","start":1900.77,"end":1904.275,"sentiment":"neutral","sentiment_score":-0.011568899949391682}],"sentiment":"neutral","sentiment_score":0.08735898870133585,"num_words":93,"start":1877.615,"end":1904.275},{"sentences":[{"text":"You can choose whether you want it to be legally binding or not.","start":1904.275,"end":1907.255,"sentiment":"neutral","sentiment_score":-0.10356341588955659},{"text":"So legally binding means the super fund has to do it.","start":1907.4751,"end":1910.5951,"sentiment":"neutral","sentiment_score":-0.12913868948817253},{"text":"If it's nonbinding, then the super fund has discretion on who it goes to.","start":1910.5951,"end":1915.68,"sentiment":"neutral","sentiment_score":-0.01737493702343532},{"text":"The other question that's a little bit more serious is do you want it to expire or not?","start":1917.2001,"end":1922.0801,"sentiment":"neutral","sentiment_score":-0.07505905710988575},{"text":"So you can have it expire every three years, or you can make it continuous.","start":1922.0801,"end":1926.02,"sentiment":"neutral","sentiment_score":-0.04494837398330371}],"sentiment":"neutral","sentiment_score":-0.0709209541829539,"num_words":71,"start":1904.275,"end":1926.02},{"sentences":[{"text":"That's called non lapsing.","start":1926.4,"end":1928.1001,"sentiment":"neutral","sentiment_score":-0.04523592162877321},{"text":"Do you have a bit of a preference either way?","start":1928.16,"end":1930.3151,"sentiment":"neutral","sentiment_score":-0.03864181786775589},{"text":"Yep.","start":1933.5751,"end":1933.895,"sentiment":"neutral","sentiment_score":0.06460605561733246},{"text":"Just a straight up legally binding.","start":1933.895,"end":1935.8351,"sentiment":"neutral","sentiment_score":0.11310875291625659},{"text":"Doesn't expire unless you change it.","start":1936.135,"end":1938.155,"sentiment":"neutral","sentiment_score":-0.03682183846831322}],"sentiment":"neutral","sentiment_score":-0.0016679378847281139,"num_words":27,"start":1926.4,"end":1938.155},{"sentences":[{"text":"Direct.","start":1938.375,"end":1938.875,"sentiment":"neutral","sentiment_score":0.04370948672294617},{"text":"Yep.","start":1940.79,"end":1941.27,"sentiment":"neutral","sentiment_score":0.19254663586616516},{"text":"Perfect.","start":1941.27,"end":1941.67,"sentiment":"positive","sentiment_score":0.5338131189346313},{"text":"Perfect.","start":1941.67,"end":1942.0701,"sentiment":"positive","sentiment_score":0.5281444191932678},{"text":"Perfect.","start":1942.0701,"end":1942.5701,"sentiment":"positive","sentiment_score":0.491166889667511}],"sentiment":"positive","sentiment_score":0.3578761100769043,"num_words":5,"start":1938.375,"end":1942.5701},{"sentences":[{"text":"I'm gonna double check that that's on your insurance policy.","start":1943.8301,"end":1947.6901,"sentiment":"neutral","sentiment_score":0.15076589360833167},{"text":"Just bear with me for a second because I had your, like, your life insurance open just before, and I wanna make sure that's there as well.","start":1948.31,"end":1956.135,"sentiment":"neutral","sentiment_score":0.09120953814299018},{"text":"So I'll double check both.","start":1956.135,"end":1957.515,"sentiment":"neutral","sentiment_score":0.0581937700510025},{"text":"So what may come out to you is either a hub beneficiary or the hub and the insurance.","start":1957.6549,"end":1963.335,"sentiment":"neutral","sentiment_score":0.05891716335382727},{"text":"It'll have a cover letter with some instructions.","start":1963.335,"end":1965.355,"sentiment":"neutral","sentiment_score":0.0859823189675808}],"sentiment":"neutral","sentiment_score":0.08837724718100884,"num_words":68,"start":1943.8301,"end":1965.355},{"sentences":[{"text":"If you have any trouble, just call the team on the office number.","start":1965.8949,"end":1969.515,"sentiment":"neutral","sentiment_score":0.041497730291806735},{"text":"They can walk you through it over the phone in two minutes flat.","start":1969.7,"end":1972.12,"sentiment":"neutral","sentiment_score":0.09119611319441062},{"text":"Is that okay?","start":1973.94,"end":1974.84,"sentiment":"neutral","sentiment_score":0.10496341685454051},{"text":"Perfect.","start":1976.66,"end":1977.0599,"sentiment":"positive","sentiment_score":0.3589314818382263},{"text":"Let me just grab up this certificate of currency for you.","start":1977.0599,"end":1980.36,"sentiment":"neutral","sentiment_score":0.18983502144163306}],"sentiment":"neutral","sentiment_score":0.10943968130684481,"num_words":41,"start":1965.8949,"end":1980.36},{"sentences":[{"text":"Here we go.","start":1981.62,"end":1982.6,"sentiment":"neutral","sentiment_score":0.10138927400112152},{"text":"There it is.","start":1984.405,"end":1985.2251,"sentiment":"neutral","sentiment_score":0.0977507159113884},{"text":"PS1634 is your policy number.","start":1985.525,"end":1989.6051,"sentiment":"neutral","sentiment_score":0.07928000986576081},{"text":"I've got that there.","start":1989.6051,"end":1990.745,"sentiment":"neutral","sentiment_score":0.08644616417586803},{"text":"There we go.","start":1990.9651,"end":1991.525,"sentiment":"neutral","sentiment_score":0.07197873046000798}],"sentiment":"neutral","sentiment_score":0.08641893706387943,"num_words":18,"start":1981.62,"end":1991.525},{"sentences":[{"text":"MetLife.","start":1991.525,"end":1992.025,"sentiment":"neutral","sentiment_score":0.10698574781417848},{"text":"So you have pretty well a full suite of insurance cover through MetLife.","start":1992.805,"end":1998.44,"sentiment":"neutral","sentiment_score":0.21511768033871284},{"text":"I'm gonna double check that your million dollars worth of life insurance is going correctly.","start":1998.82,"end":2003.88,"sentiment":"neutral","sentiment_score":0.10537792493899663},{"text":"If there's no nomination on that, we'll get that fixed up too.","start":2004.1799,"end":2007.345,"sentiment":"neutral","sentiment_score":-0.0250000919525822},{"text":"Now last thing I want to go over with you, just with this policy, you've got a million and 50 worth of life insurance and total disability.","start":2009.1849,"end":2018.1649,"sentiment":"neutral","sentiment_score":-0.034807291985661896}],"sentiment":"neutral","sentiment_score":0.04771156587144908,"num_words":68,"start":1991.525,"end":2018.1649},{"sentences":[{"text":"So if you pass away, never work again, there's a million dollars plus your super.","start":2018.385,"end":2024.02,"sentiment":"neutral","sentiment_score":-0.07711271395285925},{"text":"That pretty well knocks out your mortgage and leaves you with, oh, jeez, almost 900,000 left over.","start":2024.48,"end":2033.78,"sentiment":"neutral","sentiment_score":0.01668254450401839},{"text":"Now what does that kind of do for for Kayla and the kids?","start":2035.905,"end":2040.465,"sentiment":"neutral","sentiment_score":-0.021485675412874956},{"text":"So if you let's say you can never work again.","start":2040.465,"end":2043.125,"sentiment":"neutral","sentiment_score":-0.14412096962332727},{"text":"Mortgage is paid off.","start":2043.4249,"end":2044.465,"sentiment":"neutral","sentiment_score":-0.15578190796077251}],"sentiment":"neutral","sentiment_score":-0.0545209925621748,"num_words":59,"start":2018.385,"end":2044.465},{"sentences":[{"text":"There's $8,900,000.","start":2044.465,"end":2046.085,"sentiment":"neutral","sentiment_score":-0.0035946471616625786},{"text":"What does that kind of do for the family?","start":2046.545,"end":2048.325,"sentiment":"neutral","sentiment_score":0.031167104012436338},{"text":"Yep.","start":2053.56,"end":2054.06,"sentiment":"neutral","sentiment_score":0.007067881058901548},{"text":"Main one.","start":2054.28,"end":2054.84,"sentiment":"neutral","sentiment_score":-0.004497913643717766},{"text":"And then it's really just, like, replacing the lost income.","start":2054.84,"end":2057.8801,"sentiment":"neutral","sentiment_score":-0.021859403792768718}],"sentiment":"neutral","sentiment_score":0.0021996940680158636,"num_words":24,"start":2044.465,"end":2057.8801},{"sentences":[{"text":"Right?","start":2057.8801,"end":2058.04,"sentiment":"neutral","sentiment_score":0.018774498254060745},{"text":"Are you kind of like the breadwinner of the family?","start":2058.04,"end":2060.28,"sentiment":"neutral","sentiment_score":0.04178897645324468},{"text":"Do you guys earn equal amounts?","start":2060.28,"end":2061.9,"sentiment":"neutral","sentiment_score":0.02089988812804222},{"text":"Oh, yep.","start":2067.145,"end":2067.7852,"sentiment":"neutral","sentiment_score":0.10849367827177048},{"text":"All the soft benefits there with the government work.","start":2067.7852,"end":2070.7651,"sentiment":"neutral","sentiment_score":0.14475163320700327}],"sentiment":"neutral","sentiment_score":0.07435055882004755,"num_words":28,"start":2057.8801,"end":2070.7651},{"sentences":[{"text":"Oh, beautiful.","start":2073.705,"end":2074.5251,"sentiment":"positive","sentiment_score":0.5499859154224396},{"text":"She gets all the best stuff, and you've got to do all the fancy strategies to catch up.","start":2075.1,"end":2078.8801,"sentiment":"positive","sentiment_score":0.49537747353315353},{"text":"Look.","start":2081.9802,"end":2082.2202,"sentiment":"neutral","sentiment_score":0.08105802536010742},{"text":"I have I I'll be lying if I said I hadn't considered going to the public service one day to get a bit of a cushier position, but maybe that can be when when I'm bit older.","start":2082.2202,"end":2093.015,"sentiment":"neutral","sentiment_score":-0.07509658113121986},{"text":"What I was basically gonna say, your $90,000 income, that pretty much leaves you 70 grands after tax around about, like, not taking into account tax deductions.","start":2093.555,"end":2105.83,"sentiment":"neutral","sentiment_score":-0.056812709369869145}],"sentiment":"neutral","sentiment_score":0.06806244382306056,"num_words":85,"start":2073.705,"end":2105.83},{"sentences":[{"text":"So if I go a million and 50,000 plus your super minus off your mortgage, look, we'll go after $3.20 for now.","start":2107.49,"end":2116.845,"sentiment":"neutral","sentiment_score":0.050890122201632366},{"text":"$90,870,000.","start":2117.325,"end":2120.545,"sentiment":"neutral","sentiment_score":0.10141745209693909},{"text":"So it gives you about thirteen years of income replacement after paying off your debts.","start":2121.165,"end":2125.665,"sentiment":"neutral","sentiment_score":0.1310990276436011},{"text":"Does that sound okay?","start":2127.645,"end":2128.86,"sentiment":"neutral","sentiment_score":0.09862727671861649},{"text":"Yeah.","start":2138.86,"end":2139.34,"sentiment":"neutral","sentiment_score":-0.021589625626802444}],"sentiment":"neutral","sentiment_score":0.08280011712638445,"num_words":43,"start":2107.49,"end":2139.34},{"sentences":[{"text":"One of the things too is, let's say you're sitting there with 900,000 and you can never work again.","start":2139.34,"end":2147.2449,"sentiment":"neutral","sentiment_score":-0.07336483444822461},{"text":"You can invest that and live off the growth of it as well.","start":2147.305,"end":2152.045,"sentiment":"neutral","sentiment_score":0.08666100209722152},{"text":"So that 900,000, that can last like as if you had a million dollars of super and you were retired.","start":2152.105,"end":2158.54,"sentiment":"neutral","sentiment_score":0.03495097421109676},{"text":"So at the moment, I don't see any major issues in terms of, like, the cost of the life insurance.","start":2160.6802,"end":2166.36,"sentiment":"neutral","sentiment_score":-0.14248643442988396},{"text":"Like, it's $600 for the TPD a year at a super.","start":2166.36,"end":2170.62,"sentiment":"neutral","sentiment_score":-0.05571573854170062}],"sentiment":"neutral","sentiment_score":-0.03651712235646794,"num_words":83,"start":2139.34,"end":2170.62},{"sentences":[{"text":"It's it's not really hurting the super too much in terms of cost and premiums, if that makes sense.","start":2171.515,"end":2176.095,"sentiment":"neutral","sentiment_score":0.05132885551766345},{"text":"But one of the things I was thinking is over time as you pay down your mortgage, you can trim it down because it gets more expensive when you get older.","start":2177.355,"end":2184.095,"sentiment":"neutral","sentiment_score":0.01582208876648257},{"text":"And if you don't have a mortgage anymore, well, then maybe you don't need a million dollars anymore.","start":2184.43,"end":2188.77,"sentiment":"neutral","sentiment_score":-0.020570033928379416},{"text":"So at the moment, if it's not hurting the super too much, are you okay to leave that amount of cover for now, and then we'll sort of see how it looks in twelve months?","start":2191.71,"end":2199.33,"sentiment":"neutral","sentiment_score":0.03367305038762944},{"text":"Perfect.","start":2202.5352,"end":2203.0352,"sentiment":"positive","sentiment_score":0.7237964272499084}],"sentiment":"neutral","sentiment_score":0.028825246025987256,"num_words":104,"start":2171.515,"end":2203.0352},{"sentences":[{"text":"Lucky last thing is you do have income protection as well.","start":2203.895,"end":2207.2751,"sentiment":"positive","sentiment_score":0.49592366543683136},{"text":"So if you're out of work for more than ninety days, that will kick in 5,100 a month worth of income replacement all the way up to the age of 65.","start":2207.895,"end":2218.0698,"sentiment":"neutral","sentiment_score":0.08062338486554162},{"text":"So what that's basically saying is that you've got enough savings to last a couple of months if you were out of work.","start":2218.0698,"end":2223.93,"sentiment":"neutral","sentiment_score":0.1010789213621098},{"text":"Would you guys be able to get by for a couple of months?","start":2226.565,"end":2229.225,"sentiment":"neutral","sentiment_score":0.1173208631001986},{"text":"Her income, bit of the savings, and offset until that cover kicks in.","start":2230.165,"end":2234.745,"sentiment":"neutral","sentiment_score":0.07565078798394936}],"sentiment":"neutral","sentiment_score":0.1405267242424108,"num_words":91,"start":2203.895,"end":2234.745},{"sentences":[{"text":"K.","start":2236.885,"end":2237.385,"sentiment":"neutral","sentiment_score":0.07792479544878006},{"text":"Again, we can always shorten the waiting period.","start":2237.445,"end":2239.5251,"sentiment":"neutral","sentiment_score":0.09835855290293694},{"text":"It does make it more expensive, so I was wanting to run it by you.","start":2239.5251,"end":2242.53,"sentiment":"neutral","sentiment_score":0.06221990585327149},{"text":"Now when I've got your income there, if I look at that, the maximum is 70%.","start":2245.15,"end":2250.93,"sentiment":"neutral","sentiment_score":0.09189862059429288},{"text":"And if I work that back, that is 5,250.","start":2251.55,"end":2255.785,"sentiment":"neutral","sentiment_score":0.06456716896759139}],"sentiment":"neutral","sentiment_score":0.07856273993241544,"num_words":49,"start":2236.885,"end":2255.785},{"sentences":[{"text":"So technically speaking, you're a tiny bit underinsured for your income.","start":2255.845,"end":2259.7048,"sentiment":"neutral","sentiment_score":-0.08693221719427542},{"text":"But if you're telling me that 5,100 a month is okay to live on and you guys will get by with the mortgage repayments and everything, Don't have to increase it.","start":2259.845,"end":2268.11,"sentiment":"neutral","sentiment_score":0.13755997017987312},{"text":"Just wanted to run it by you because your incomes increase.","start":2268.11,"end":2270.61,"sentiment":"neutral","sentiment_score":0.2327815361998298},{"text":"You can increase your insurance or just leave it as is.","start":2270.9102,"end":2274.1301,"sentiment":"neutral","sentiment_score":0.08630892498926683},{"text":"K?","start":2277.9502,"end":2278.4502,"sentiment":"neutral","sentiment_score":0.0010275878012180328}],"sentiment":"neutral","sentiment_score":0.10490965149723566,"num_words":65,"start":2255.845,"end":2278.4502},{"sentences":[{"text":"Just we're gonna keep an eye on this one because the income protection, it's the more expensive one.","start":2278.51,"end":2283.175,"sentiment":"neutral","sentiment_score":-0.10433923618661033},{"text":"It's almost $2 a year, and you get a 15% tax rebate off of that out of the super.","start":2283.235,"end":2290.375,"sentiment":"neutral","sentiment_score":0.2914047437278848},{"text":"So that has a bit of an impact.","start":2290.7551,"end":2292.615,"sentiment":"neutral","sentiment_score":-0.15607706760056317},{"text":"If that increases, you probably don't wanna be paying $6.07, $8,000 when you're 50 if you don't need all that insurance.","start":2292.995,"end":2300.61,"sentiment":"neutral","sentiment_score":-0.2004246385324569},{"text":"So we will have to trim it down at some point.","start":2300.6702,"end":2303.1702,"sentiment":"neutral","sentiment_score":-0.22436480630527844}],"sentiment":"neutral","sentiment_score":-0.05541510311523815,"num_words":77,"start":2278.51,"end":2303.1702},{"sentences":[{"text":"One of the things too, you know how I mentioned salary sacrifice before?","start":2305.31,"end":2308.4502,"sentiment":"neutral","sentiment_score":-0.007142960022275264},{"text":"When you're all good with your goals for your mortgage and everything, if you put it in to offset the insurance costs, you get that tax deduction for the salary sacrifice.","start":2309.805,"end":2319.345,"sentiment":"positive","sentiment_score":0.3434963392153863},{"text":"It's almost like paying it out of pocket where it's fully deductible.","start":2319.885,"end":2323.265,"sentiment":"neutral","sentiment_score":0.23606350272893906},{"text":"So if at some point, we need to offset it by putting in that $50 a week, it may cost you, say, 35 in the hand because they put it in, like, pretax.","start":2323.86,"end":2335.08,"sentiment":"neutral","sentiment_score":0.03616582184578433},{"text":"So it's a way of getting $50 in the super.","start":2336.835,"end":2338.995,"sentiment":"positive","sentiment_score":0.36607099175453184}],"sentiment":"neutral","sentiment_score":0.18426739501606937,"num_words":99,"start":2305.31,"end":2338.995},{"sentences":[{"text":"It costs you 35.","start":2338.995,"end":2340.455,"sentiment":"positive","sentiment_score":0.3994534760713577},{"text":"You get a lovely little deduction there, and it covers costs, boost up your super.","start":2340.515,"end":2344.455,"sentiment":"positive","sentiment_score":0.5983919282754262},{"text":"When it comes time to do that, we can revisit that as well.","start":2345.395,"end":2348.46,"sentiment":"neutral","sentiment_score":0.19950348826555106},{"text":"Cool.","start":2350.54,"end":2350.78,"sentiment":"positive","sentiment_score":0.37151503562927246},{"text":"Cool.","start":2350.78,"end":2351.28,"sentiment":"neutral","sentiment_score":0.3233986496925354}],"sentiment":"positive","sentiment_score":0.40771034885855284,"num_words":34,"start":2338.995,"end":2351.28},{"sentences":[{"text":"Mate, do you have any questions for me at the at the moment?","start":2351.3398,"end":2353.9,"sentiment":"neutral","sentiment_score":0.10835178654927474},{"text":"I've gone through quite a bit with you so far.","start":2353.9,"end":2356.0,"sentiment":"neutral","sentiment_score":0.007737515494227409},{"text":"Yep.","start":2360.46,"end":2360.96,"sentiment":"neutral","sentiment_score":0.07415291666984558},{"text":"Look.","start":2361.26,"end":2361.5,"sentiment":"neutral","sentiment_score":0.2227034568786621},{"text":"Everything is looking pretty good.","start":2361.5,"end":2362.995,"sentiment":"positive","sentiment_score":0.4112701237201691}],"sentiment":"neutral","sentiment_score":0.1279718457410733,"num_words":30,"start":2351.3398,"end":2362.995},{"sentences":[{"text":"You don't have trauma insurance, which is for heart attack, stroke, and cancer.","start":2363.155,"end":2367.175,"sentiment":"neutral","sentiment_score":-0.024696149218540926},{"text":"But, again, you're a bit tight on the cash flow there.","start":2367.3152,"end":2370.195,"sentiment":"neutral","sentiment_score":-0.1979130133986473},{"text":"Are you just happy to leave the life keeping in income protection, or do you want me to get a quote for that one?","start":2370.195,"end":2374.935,"sentiment":"neutral","sentiment_score":-0.007816853777815899},{"text":"Yeah.","start":2383.49,"end":2383.81,"sentiment":"neutral","sentiment_score":0.00510980561375618},{"text":"Why not?","start":2383.81,"end":2384.29,"sentiment":"neutral","sentiment_score":-0.06737139448523521}],"sentiment":"neutral","sentiment_score":-0.05520256002451859,"num_words":51,"start":2363.155,"end":2384.29},{"sentences":[{"text":"I mean, what I'll do is when I go through that update for your investment option, I'll do a quote for, say, a 100,000 worth of trauma cover.","start":2384.29,"end":2394.505,"sentiment":"neutral","sentiment_score":0.008005056330668074},{"text":"So you have a heart attack, that's a 100 grands.","start":2394.505,"end":2396.845,"sentiment":"neutral","sentiment_score":-0.08323642052710056},{"text":"Your partner can take a few months off work to look after you, cover medical expenses, things like that.","start":2397.065,"end":2403.1802,"sentiment":"neutral","sentiment_score":-0.017901608426319927},{"text":"When you go through that advice document, you can actually write at the bottom on the DocuSign.","start":2403.4802,"end":2408.06,"sentiment":"neutral","sentiment_score":0.04270075787516201},{"text":"You can say, yes.","start":2408.12,"end":2409.6401,"sentiment":"neutral","sentiment_score":0.012519271112978458}],"sentiment":"neutral","sentiment_score":-0.0022097848690091036,"num_words":78,"start":2384.29,"end":2409.6401},{"sentences":[{"text":"I wanna go ahead with this or no.","start":2409.6401,"end":2411.7202,"sentiment":"neutral","sentiment_score":-0.09306569583714008},{"text":"I don't.","start":2411.7202,"end":2412.12,"sentiment":"neutral","sentiment_score":-0.31866520643234253},{"text":"So you can kind of pick if you wanna do it or not.","start":2412.12,"end":2414.325,"sentiment":"neutral","sentiment_score":-0.030188962817192078},{"text":"Cool.","start":2415.925,"end":2416.325,"sentiment":"positive","sentiment_score":0.5380479097366333},{"text":"So I'll do up a quote just to be safe with MetLife there and see what that's looking like.","start":2416.325,"end":2421.385,"sentiment":"positive","sentiment_score":0.38798915398748296}],"sentiment":"neutral","sentiment_score":0.14268672882124436,"num_words":43,"start":2409.6401,"end":2421.385},{"sentences":[{"text":"Let's say it was coming out of pocket.","start":2422.565,"end":2425.2249,"sentiment":"neutral","sentiment_score":0.07835659245029092},{"text":"What would be the maximum you would wanna pay per month for an insurance policy?","start":2425.765,"end":2430.32,"sentiment":"neutral","sentiment_score":0.030277394503355027},{"text":"Like, 20, 30, 40, would that be getting a bit too expensive?","start":2435.02,"end":2439.2002,"sentiment":"neutral","sentiment_score":-0.20762852331002554},{"text":"Cool.","start":2442.075,"end":2442.315,"sentiment":"neutral","sentiment_score":0.1155216097831726},{"text":"I'll put a cap of it at 40.","start":2442.315,"end":2444.235,"sentiment":"neutral","sentiment_score":-0.0978473019786179}],"sentiment":"neutral","sentiment_score":-0.04722239610485055,"num_words":44,"start":2422.565,"end":2444.235},{"sentences":[{"text":"So if it's more than 40, I'm not even gonna recommend it.","start":2444.235,"end":2446.715,"sentiment":"negative","sentiment_score":-0.43587426841259},{"text":"If it's under 40, I'll do the quote up so you can see it.","start":2446.715,"end":2450.095,"sentiment":"neutral","sentiment_score":0.03933126266513552},{"text":"Cool.","start":2451.515,"end":2451.915,"sentiment":"neutral","sentiment_score":0.07607881724834442},{"text":"Again, I don't want you paying a $120 a month for something if you don't value it.","start":2451.915,"end":2456.07,"sentiment":"negative","sentiment_score":-0.4173758853884304},{"text":"Not in the interest of just trying to get you insurances, mate, but I do have to check.","start":2457.03,"end":2460.31,"sentiment":"neutral","sentiment_score":-0.25300729357533985}],"sentiment":"neutral","sentiment_score":-0.2621499364895205,"num_words":62,"start":2444.235,"end":2460.31},{"sentences":[{"text":"You don't have this one.","start":2460.31,"end":2461.4302,"sentiment":"neutral","sentiment_score":-0.24569322764873505},{"text":"Do you want it?","start":2461.4302,"end":2462.4102,"sentiment":"neutral","sentiment_score":-0.09211125783622265},{"text":"That is okay.","start":2462.71,"end":2463.59,"sentiment":"neutral","sentiment_score":0.12015288074811299},{"text":"40 a month max, $100,000 quote.","start":2463.59,"end":2466.49,"sentiment":"neutral","sentiment_score":0.1745223974188169},{"text":"And the investment switch, that's all good.","start":2467.1902,"end":2470.01,"sentiment":"positive","sentiment_score":0.42258626222610474}],"sentiment":"neutral","sentiment_score":0.1107514277100563,"num_words":25,"start":2460.31,"end":2470.01},{"sentences":[{"text":"Now last thing I wanted to check with you was just your thoughts on the whole self managed super fund thing that I mentioned before.","start":2471.335,"end":2477.0352,"sentiment":"neutral","sentiment_score":0.08988229066133499},{"text":"Look.","start":2478.5352,"end":2478.855,"sentiment":"neutral","sentiment_score":0.2809793949127197},{"text":"Everything is going well with the super so far.","start":2478.855,"end":2481.095,"sentiment":"positive","sentiment_score":0.5383504331111908},{"text":"We've got a bit of property mix into you into your portfolio.","start":2481.095,"end":2484.21,"sentiment":"neutral","sentiment_score":0.3031289577484131},{"text":"Is that something that you think you and your partner wanna sort of investigate this year, next year, and and sort of go through all of that?","start":2484.9102,"end":2492.6902,"sentiment":"neutral","sentiment_score":0.1498442573679818}],"sentiment":"neutral","sentiment_score":0.20346666218058482,"num_words":74,"start":2471.335,"end":2492.6902},{"sentences":[{"text":"K.","start":2502.445,"end":2502.845,"sentiment":"neutral","sentiment_score":0.009804224595427511},{"text":"And it's again, it's something that's pretty powerful, like borrowing money on your super can be somewhat dangerous, but really beneficial for having a bigger asset.","start":2502.845,"end":2511.025,"sentiment":"neutral","sentiment_score":0.13511955695083508},{"text":"It really just depends on crunching numbers.","start":2511.3,"end":2514.44,"sentiment":"neutral","sentiment_score":0.06991732173732348},{"text":"Once you've got your super there, how big of a property can you even purchase with that from getting a loan?","start":2514.9001,"end":2521.24,"sentiment":"neutral","sentiment_score":0.08375286027079537},{"text":"And, you know, given the property prices, if you can get something that's good, great.","start":2521.3,"end":2526.495,"sentiment":"neutral","sentiment_score":0.22556852251291276}],"sentiment":"neutral","sentiment_score":0.1307810265836971,"num_words":70,"start":2502.445,"end":2526.495},{"sentences":[{"text":"If everything's a million dollars and you can only afford 600, well, then you've gotta wait until you've got a bigger balance.","start":2526.875,"end":2532.2551,"sentiment":"neutral","sentiment_score":-0.06001038688488982},{"text":"Yep.","start":2534.395,"end":2534.715,"sentiment":"neutral","sentiment_score":0.2240230292081833},{"text":"Cool.","start":2534.715,"end":2535.115,"sentiment":"positive","sentiment_score":0.3672928214073181},{"text":"Look.","start":2535.115,"end":2535.355,"sentiment":"neutral","sentiment_score":0.3170226216316223},{"text":"I'll put that down as something to come back to.","start":2535.355,"end":2537.035,"sentiment":"neutral","sentiment_score":0.1998918831348419}],"sentiment":"neutral","sentiment_score":0.045343679775084765,"num_words":35,"start":2526.875,"end":2537.035},{"sentences":[{"text":"So when we do these reviews, we can at least talk to you about it and sort of see if that's something we can look into.","start":2537.035,"end":2541.85,"sentiment":"neutral","sentiment_score":0.24549299421218726},{"text":"Again, when it comes to Oakview, we're pretty well self licensed to look at any kind of advice.","start":2542.71,"end":2547.51,"sentiment":"neutral","sentiment_score":0.2262195274233818},{"text":"So if you wanna steer the ship in a different direction, we're happy to follow you along.","start":2547.51,"end":2551.21,"sentiment":"neutral","sentiment_score":0.2975490150206229},{"text":"Cool.","start":2554.005,"end":2554.2449,"sentiment":"positive","sentiment_score":0.3400629162788391},{"text":"Cool.","start":2554.2449,"end":2554.565,"sentiment":"positive","sentiment_score":0.3374454975128174}],"sentiment":"neutral","sentiment_score":0.25699382559174583,"num_words":63,"start":2537.035,"end":2554.565},{"sentences":[{"text":"Mate, I've sent you through the annual review pack.","start":2554.565,"end":2556.7249,"sentiment":"neutral","sentiment_score":0.2777966327137417},{"text":"Have you had a chance to look at it much?","start":2556.7249,"end":2558.7249,"sentiment":"neutral","sentiment_score":0.16141067817807198},{"text":"I know you said you're gonna look on your phone, so maybe better off to look at it straight after the call if that's okay.","start":2558.7249,"end":2564.07,"sentiment":"neutral","sentiment_score":0.019012097865343094},{"text":"Cool.","start":2566.07,"end":2566.57,"sentiment":"neutral","sentiment_score":0.29786401987075806},{"text":"So just to let you know what I've sent through, you've got that performance report we're looking at with Hub.","start":2566.6301,"end":2573.29,"sentiment":"neutral","sentiment_score":0.20680587440729142}],"sentiment":"neutral","sentiment_score":0.13882400662853167,"num_words":65,"start":2554.565,"end":2573.29},{"sentences":[{"text":"You've got your certificate of currency for the insurances.","start":2573.4302,"end":2576.49,"sentiment":"neutral","sentiment_score":0.14095030228296915},{"text":"Look.","start":2577.325,"end":2577.645,"sentiment":"neutral","sentiment_score":0.13286465406417847},{"text":"If something happens to you, we do help with the claims process.","start":2577.645,"end":2582.225,"sentiment":"neutral","sentiment_score":0.17102035755912462},{"text":"So if you're off work and you get sick, we're probably not your first port of call, but you can give us a buzz.","start":2582.605,"end":2587.965,"sentiment":"neutral","sentiment_score":0.133872931667914},{"text":"We can help you through the forms, liaise with the insurer, help you get the money.","start":2587.965,"end":2592.27,"sentiment":"neutral","sentiment_score":0.22976917307823896}],"sentiment":"neutral","sentiment_score":0.16682127088067994,"num_words":62,"start":2573.4302,"end":2592.27},{"sentences":[{"text":"There's a financial services guide.","start":2594.67,"end":2596.43,"sentiment":"neutral","sentiment_score":0.1711425796151161},{"text":"We always update our license details, services, who we are, team photos, all that fun stuff in there, complaints, procedures, everything is in there.","start":2596.43,"end":2604.975,"sentiment":"neutral","sentiment_score":0.1893289623161157},{"text":"So give that a read if you've got if you've got some inclination to do so.","start":2604.975,"end":2608.8352,"sentiment":"neutral","sentiment_score":0.1887477496638894},{"text":"And I have included your service agreement as well.","start":2609.375,"end":2612.675,"sentiment":"neutral","sentiment_score":0.12024000535408656},{"text":"Now I do need to ask the all important question.","start":2615.0552,"end":2617.215,"sentiment":"neutral","sentiment_score":0.0521922629326582}],"sentiment":"neutral","sentiment_score":0.15661960415309295,"num_words":64,"start":2594.67,"end":2617.215},{"sentences":[{"text":"Are you comfortable with Oakview looking after the Subaru for the next twelve months or so?","start":2617.215,"end":2620.95,"sentiment":"neutral","sentiment_score":0.11290151765570045},{"text":"Cool.","start":2623.51,"end":2623.91,"sentiment":"positive","sentiment_score":0.5238386392593384},{"text":"But any feedback on services and things like that?","start":2623.91,"end":2626.55,"sentiment":"neutral","sentiment_score":0.21522883739736345},{"text":"Like, have you been having a good service so far?","start":2626.55,"end":2629.1099,"sentiment":"positive","sentiment_score":0.36072530746459963},{"text":"Has it been going well for you?","start":2629.1099,"end":2630.81,"sentiment":"neutral","sentiment_score":0.330903240612575}],"sentiment":"neutral","sentiment_score":0.23699763295955437,"num_words":43,"start":2617.215,"end":2630.81},{"sentences":[{"text":"So far, so good?","start":2635.125,"end":2636.345,"sentiment":"neutral","sentiment_score":0.2727294750511646},{"text":"I guess until the world goes on fire and there's World War three and all the rest of it.","start":2637.925,"end":2641.925,"sentiment":"neutral","sentiment_score":-0.008717214590624758},{"text":"But, again, if we need to change things, we're we're happy to do so.","start":2641.925,"end":2645.49,"sentiment":"neutral","sentiment_score":0.2536768029843058},{"text":"Awesome.","start":2648.13,"end":2648.53,"sentiment":"positive","sentiment_score":0.5049525499343872},{"text":"Mate, I'm gonna leave that in your hands to review.","start":2648.53,"end":2651.27,"sentiment":"neutral","sentiment_score":0.2681611478328705}],"sentiment":"neutral","sentiment_score":0.15965271027137837,"num_words":48,"start":2635.125,"end":2651.27},{"sentences":[{"text":"I'm just gonna quickly pull up the documents that I sent you just to ensure it's all correct because I don't want you to sign something that's not correct.","start":2651.57,"end":2659.365,"sentiment":"neutral","sentiment_score":-0.01520071474128756},{"text":"Let me just have a look.","start":2659.365,"end":2660.325,"sentiment":"neutral","sentiment_score":0.012009680271148682},{"text":"We've got your pack here.","start":2660.325,"end":2661.785,"sentiment":"neutral","sentiment_score":0.0558170810341835},{"text":"And, again, please don't sign it until we've talked about it.","start":2663.285,"end":2666.825,"sentiment":"neutral","sentiment_score":-0.05803161249919371},{"text":"Alright.","start":2668.885,"end":2669.385,"sentiment":"neutral","sentiment_score":0.036053240299224854}],"sentiment":"neutral","sentiment_score":-0.01330714880560453,"num_words":52,"start":2651.57,"end":2669.385},{"sentences":[{"text":"So in there, you've got, like, a lost super search.","start":2669.525,"end":2672.085,"sentiment":"neutral","sentiment_score":0.04417095836251974},{"text":"Pretty standard with us.","start":2672.085,"end":2673.045,"sentiment":"neutral","sentiment_score":0.16607439517974854},{"text":"We always just shoot the the government a message to see if there's anything floating around we haven't taken into account.","start":2673.045,"end":2678.56,"sentiment":"neutral","sentiment_score":0.08128108456730843},{"text":"The fees are still 1.65%, and that's kind of split monthly throughout the year, and it's a twelve month agreement.","start":2679.5,"end":2687.34,"sentiment":"neutral","sentiment_score":0.09676315244287252},{"text":"So it's not like a a lock in for twelve months, but we do need consent every year to still be your advisers.","start":2687.34,"end":2694.155,"sentiment":"neutral","sentiment_score":0.0703422971393751}],"sentiment":"neutral","sentiment_score":0.08161597209385572,"num_words":78,"start":2669.525,"end":2694.155},{"sentences":[{"text":"Cool.","start":2696.855,"end":2697.095,"sentiment":"neutral","sentiment_score":0.2719199061393738},{"text":"Cool.","start":2697.095,"end":2697.595,"sentiment":"neutral","sentiment_score":0.22431832551956177},{"text":"The other one that I have to let you know about, tax file number declaration.","start":2698.135,"end":2702.555,"sentiment":"neutral","sentiment_score":0.046989344308773676},{"text":"Now there was a lot of cybersecurity issues in Australia last year.","start":2703.7,"end":2708.84,"sentiment":"neutral","sentiment_score":-0.0740580993394057},{"text":"People sent some information getting lost.","start":2708.98,"end":2711.1602,"sentiment":"neutral","sentiment_score":-0.07369032129645348}],"sentiment":"neutral","sentiment_score":-0.003707449244601386,"num_words":35,"start":2696.855,"end":2711.1602},{"sentences":[{"text":"So instead of keeping tax file number in a whole bunch of different systems, we would just like you to opt in to keeping it on this one form, and we do need your consent because that is a very important number.","start":2711.46,"end":2723.4648,"sentiment":"neutral","sentiment_score":0.0742516734060787},{"text":"And, you know, what what do you call it?","start":2723.6848,"end":2726.4849,"sentiment":"neutral","sentiment_score":-0.022853011058436498},{"text":"Like, name fraud and things like that can happen.","start":2726.4849,"end":2728.7449,"sentiment":"neutral","sentiment_score":-0.09298932635121876},{"text":"Cool.","start":2730.53,"end":2731.03,"sentiment":"neutral","sentiment_score":0.013356122188270092},{"text":"Mate, that new DocuSign that's come through, that's from our new system, Odoo.","start":2731.49,"end":2736.07,"sentiment":"positive","sentiment_score":0.3338712247518393}],"sentiment":"neutral","sentiment_score":0.08688744986933228,"num_words":74,"start":2711.46,"end":2736.07},{"sentences":[{"text":"If you have any trouble with it, let us know, but there should be, like, a hyperlink button to jump in there and and sign it.","start":2736.21,"end":2742.3901,"sentiment":"neutral","sentiment_score":0.07643914093764928},{"text":"Once you've done that, you can download a signed copy.","start":2743.745,"end":2746.145,"sentiment":"neutral","sentiment_score":0.1073479637503624},{"text":"There'll be a little pop up button for you.","start":2746.145,"end":2748.325,"sentiment":"neutral","sentiment_score":0.16301404105292427},{"text":"Awesome, dude.","start":2749.225,"end":2751.0251,"sentiment":"positive","sentiment_score":0.6970323324203491},{"text":"Mate, any last questions for me before I let you go?","start":2751.0251,"end":2753.365,"sentiment":"neutral","sentiment_score":0.1716982830654491}],"sentiment":"neutral","sentiment_score":0.13466843879171486,"num_words":58,"start":2736.21,"end":2753.365},{"sentences":[{"text":"Awesome, dude.","start":2756.24,"end":2757.04,"sentiment":"positive","sentiment_score":0.576050192117691},{"text":"What we'll do, I'll leave that with you.","start":2757.04,"end":2760.24,"sentiment":"positive","sentiment_score":0.3604513667523861},{"text":"We'll give you a call in a couple of weeks just to go through that quote and the change to the investments together, and we should be good to go.","start":2760.24,"end":2767.1428,"sentiment":"positive","sentiment_score":0.4190239871541659},{"text":"Awesome, Sam.","start":2769.3828,"end":2770.0227,"sentiment":"positive","sentiment_score":0.719925582408905},{"text":"You have a fantastic day, mate, and I'll talk to you in a couple of weeks.","start":2770.0227,"end":2773.1628,"sentiment":"positive","sentiment_score":0.6829393226653337}],"sentiment":"positive","sentiment_score":0.49953984931625167,"num_words":58,"start":2756.24,"end":2773.1628},{"sentences":[{"text":"Cheers, mate.","start":2774.983,"end":2775.5427,"sentiment":"positive","sentiment_score":0.6168973445892334},{"text":"Bye.","start":2775.5427,"end":2776.0427,"sentiment":"positive","sentiment_score":0.37727850675582886}],"sentiment":"positive","sentiment_score":0.5370243986447653,"num_words":3,"start":2774.983,"end":2776.0427}]}}]},{"alternatives":[{"transcript":"Hello? Good. Yourself? It's not too bad. Yeah. Down here. A little bit cloudy, but a bit cold. Yeah. It's starting to cool down now. So Yep. Sure. Let me do. Yep. Yep. Actually, not the first eighty four, and address is 229 Alders Road, Knox Bendigo, Victoria. Yep. Yep. That's correct. Yeah. I can't. It's just it's can only do it on my side. Yep. Not off the top of my head. No. Not really. No. Yep. No damage. Well, I think everyone's called us to try and retire early, ain't it? Error. Yeah. Well, I reckon if you're on the the LOTA, do you find things to entertain yourself with for a while? Yep. It's potentially going up the market, but it would be, I don't know, probably another 50 gig or take. Yeah. Yep. Alright. To be honest, I haven't checked for a while. So the wasp I'll just I'll leave that in me. Your wife's capable hands that part. Yeah. If you could. Yep. Might as well. Yep. I do. Yep. I do have a savings account. No. No. No. No. No, man. Nah. It's it's it's just the it's between fifteen and twenty. Yeah. Mhmm. No. I do have a line with what's their name? Harmony, I believe it's called. Yeah. Personal. Yeah. Pretty much personal. That's all it is anyway. So it's at about 10, I think. $10. 10. Yep. Yeah. Well, I'm well, still technically in the code. I do curtains and blinds now. Yeah. And it's it's similar money. Yeah. It's probably gone to 90, give or take, but not yeah. Yep. It's it's more it's more just yet. No. No supplying a vehicle or anything like that. So that's where it adds on top of the carpentry because you used to have you pay your own way there. That is correct. Yep. Yeah. So it's it's dull curtains and blinds technically, but it's t y o, Brian, something installations or something along their lines. It's Dollar Dollar Curtains and Blinds is the business is the business name. Yep. Yep. Yeah. Yeah. Yeah. There is some outdoor stuff, but it's not it's only yeah, same sort of setup. It's only really to window hot, so one or two steps off the ground. Yep. Yep. Yep. Yeah. She's 16. Yep. And I'm the oldest two are 18 and 19. So yep. Yep. No. I don't believe you. I'm not. Correct. No. It should still be. Alright. Yep. I was always wondered what with the super whether it's better off putting into, like, a if you can afford to log into a property or something along them lines or keeping it yeah. Or or keeping it in the mark in the market. No. Yep. Yep. Yep. Yes. Yep. Yeah. Yep. Yes. Yes. Yep. Yep. Yep. Okay. Yep. Yep. Sometimes I do. Yeah. Yep. Thanks. It looks like it's going okay. It's more just a uncertainty around what's happening with the water, I suppose. And what yeah. Where it got where it's gonna head and yeah. Yep. Yep. Yep. Yep. Yep. Yes. Yes. I've said I could stay with the high risk at the minute and then hope for the best. The high risk. Yep. Yep. Yep. Yep. Yep. Yeah. I'm happy to. Yep. Which one's that one? Is that the tub one? Yep. Mhmm. I can see that. Yep. Yeah. And left. Yep. Yep. Again. Yep. Yep. Yep. Yep. Yep. Yes. Yeah. I'm not sure that's a question that always gets me. Bye. Yep. Yep. Yeah. I'll be happy with that, I reckon. Yep. Yep. Yeah. Now we're sounds good. Yep. Yep. Yep. Yep. Yep. It's probably more the mortgage at the minute, but, yeah, I have thought about doing a $50 a week or something along their minds. Yep. Yeah. We try and do the extra not been extra money on the mortgage, but we're sort of with well, we went went to Europe earlier this year, and we're going to Bali again. So we have savings of sort of thing spent on traveling. I don't think Bali's sat there, to be honest, but, yeah, it's still everything's always in a few thousand dollars in it. Yep. Europe. Yeah. Correct. Correct. Right. Yep. Sorta I'd still just stick to the $100, and if there's any leftover at the end of the week, I'll just chuck that in as well. So usually. So yeah. We've got the offset accounts as well. And then, yeah, just all goes on the on the loan in the loan account. Yeah. Yeah. Potentially, yeah. That the only thing is I don't really know. Don't even know much about the, locking the stock market and that sort of stuff. So that's where the property sort of come into it. K. Yep. We will for a little bit. Yeah. We we discussed moving them. We thought, well, the kids are pretty close to who knows what they're doing whether they stay or leave. So there's no point. Yeah. That's not too sure. That's a conversation. Is it? I gotta get me head my wife's head around. She's she's still she's still having trouble with the kids being adults and going doing their own thing. Yeah. Yeah. Pretty much. Yep. Well, it'd be a good kick out the bum for them, but yeah. So no. I don't know. It's an interesting one because it's so expensive for them to move out. So my my thing is I just prefer them to stay at home, save their money, and then buy a house if they can afford it. Yeah. Yep. Yep. Yep. Yep. Yes. Yep. Yeah. Yep. That that's yeah. I think it's but, yeah, it's nominated to her, and then I think it all just gets split up between all the kids and whatever through the through the wheel. Mhmm. Yeah. Yep. Yep. Oh, I can't remember. Mine is is just pretty basic. Basically, yeah, whatever's there just between yeah. Then they split try and split everything, like, between all the kids and her. Yep. Yep. Yeah. Might as well just, yeah, send either either and or both and whatever's easy. If it's easy just to go straight to her, then just do that. Mhmm. Yep. Yep. The numb laps are one of the okay. Good thoughts. Yeah. Yeah. Yeah. No dramas. Yeah. It's fine. Yep. Yep. Yep. If you get rid of the mortgage, that's the the main one, isn't it? Yeah. Oh, we're pretty equal. And she's she's got a good government job, so yeah. With fix Victoria Police. Yep. Yep. Yep. Yeah. Correct. That is correct. Yep. Yep. Yep. Yep. Yep. Yeah. I think so. Because it yeah. You're well, if you get rid of the mortgage and whatnot, you'd probably don't need as much. Yep. Yep. Yeah. Yeah. Yep. Correct. Yeah. I'm happy with that. Okay. Yep. Yes. Yeah. I think so. Yep. No. I'm happy to leave it as is right now. Yep. Yep. Yep. That's it. Yep. Yep. Yep. No. I think you've covered off most of it. I'm not thinking. Oh, you can send her a card if you want, I suppose, but yeah. Yeah. I can. Yep. Yeah. Not sure, to be honest. Yeah. Yeah. Something like that would be fine. Yep. Yep. I promise. Yep. Well, yeah, at some stage before, yeah, we can't looking into it, but yeah. Well, it's not it not not in the near future anyway, I don't think. But yeah. Yes. Yeah. Yeah. Yep. Yeah. I might do that. Yep. Yep. Yep. Yeah. I think so. Yep. Yeah. It seems to be down. Okay. So far, so good. Yeah. Yep. Yep. Okay. Got it. Yep. Yep. Nine. I got Yep. Yeah. Robert. No. I don't think so. Alright. No, Carlos. No worries. You too. Cheers. Thank you. 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Good. Yourself? It's not too bad. Yeah.\n\nDown here. A little bit cloudy, but a bit cold. Yeah. It's starting to cool down now. So Yep.\n\nSure. Let me do. Yep. Yep. Actually, not the first eighty four, and address is 229 Alders Road, Knox Bendigo, Victoria.\n\nYep. Yep. That's correct. Yeah. I can't.\n\nIt's just it's can only do it on my side. Yep. Not off the top of my head. No. Not really.\n\nNo. Yep. No damage. Well, I think everyone's called us to try and retire early, ain't it? Error.\n\nYeah. Well, I reckon if you're on the the LOTA, do you find things to entertain yourself with for a while? Yep. It's potentially going up the market, but it would be, I don't know, probably another 50 gig or take. Yeah.\n\nYep. Alright. To be honest, I haven't checked for a while. So the wasp I'll just I'll leave that in me. Your wife's capable hands that part.\n\nYeah. If you could. Yep. Might as well. Yep.\n\nI do. Yep. I do have a savings account. No. No.\n\nNo. No. No, man. Nah. It's it's it's just the it's between fifteen and twenty.\n\nYeah. Mhmm. No. I do have a line with what's their name? Harmony, I believe it's called.\n\nYeah. Personal. Yeah. Pretty much personal. That's all it is anyway.\n\nSo it's at about 10, I think. $10. 10. Yep. Yeah.\n\nWell, I'm well, still technically in the code. I do curtains and blinds now. Yeah. And it's it's similar money. Yeah.\n\nIt's probably gone to 90, give or take, but not yeah. Yep. It's it's more it's more just yet. No. No supplying a vehicle or anything like that.\n\nSo that's where it adds on top of the carpentry because you used to have you pay your own way there. That is correct. Yep. Yeah. So it's it's dull curtains and blinds technically, but it's t y o, Brian, something installations or something along their lines.\n\nIt's Dollar Dollar Curtains and Blinds is the business is the business name. Yep. Yep. Yeah. Yeah.\n\nYeah. There is some outdoor stuff, but it's not it's only yeah, same sort of setup. It's only really to window hot, so one or two steps off the ground. Yep. Yep.\n\nYep. Yeah. She's 16. Yep. And I'm the oldest two are 18 and 19.\n\nSo yep. Yep. No. I don't believe you. I'm not.\n\nCorrect. No. It should still be. Alright. Yep.\n\nI was always wondered what with the super whether it's better off putting into, like, a if you can afford to log into a property or something along them lines or keeping it yeah. Or or keeping it in the mark in the market. No. Yep. Yep.\n\nYep. Yes. Yep. Yeah. Yep.\n\nYes. Yes. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Sometimes I do. Yeah.\n\nYep. Thanks. It looks like it's going okay. It's more just a uncertainty around what's happening with the water, I suppose. And what yeah.\n\nWhere it got where it's gonna head and yeah. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yes. I've said I could stay with the high risk at the minute and then hope for the best. The high risk.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. I'm happy to. Yep. Which one's that one? Is that the tub one?\n\nYep. Mhmm. I can see that. Yep. Yeah.\n\nAnd left. Yep. Yep. Again. Yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nYeah. I'm not sure that's a question that always gets me. Bye. Yep. Yep.\n\nYeah. I'll be happy with that, I reckon. Yep. Yep. Yeah.\n\nNow we're sounds good. Yep. Yep. Yep. Yep.\n\nYep. It's probably more the mortgage at the minute, but, yeah, I have thought about doing a $50 a week or something along their minds. Yep. Yeah. We try and do the extra not been extra money on the mortgage, but we're sort of with well, we went went to Europe earlier this year, and we're going to Bali again.\n\nSo we have savings of sort of thing spent on traveling. I don't think Bali's sat there, to be honest, but, yeah, it's still everything's always in a few thousand dollars in it. Yep. Europe. Yeah.\n\nCorrect. Correct. Right. Yep. Sorta I'd still just stick to the $100, and if there's any leftover at the end of the week, I'll just chuck that in as well.\n\nSo usually. So yeah. We've got the offset accounts as well. And then, yeah, just all goes on the on the loan in the loan account. Yeah.\n\nYeah. Potentially, yeah. That the only thing is I don't really know. Don't even know much about the, locking the stock market and that sort of stuff. So that's where the property sort of come into it.\n\nK. Yep. We will for a little bit. Yeah. We we discussed moving them.\n\nWe thought, well, the kids are pretty close to who knows what they're doing whether they stay or leave. So there's no point. Yeah. That's not too sure. That's a conversation.\n\nIs it? I gotta get me head my wife's head around. She's she's still she's still having trouble with the kids being adults and going doing their own thing. Yeah. Yeah.\n\nPretty much. Yep. Well, it'd be a good kick out the bum for them, but yeah. So no. I don't know.\n\nIt's an interesting one because it's so expensive for them to move out. So my my thing is I just prefer them to stay at home, save their money, and then buy a house if they can afford it. Yeah. Yep. Yep.\n\nYep. Yep. Yes. Yep. Yeah.\n\nYep. That that's yeah. I think it's but, yeah, it's nominated to her, and then I think it all just gets split up between all the kids and whatever through the through the wheel. Mhmm. Yeah.\n\nYep. Yep. Oh, I can't remember. Mine is is just pretty basic. Basically, yeah, whatever's there just between yeah.\n\nThen they split try and split everything, like, between all the kids and her. Yep. Yep. Yeah. Might as well just, yeah, send either either and or both and whatever's easy.\n\nIf it's easy just to go straight to her, then just do that. Mhmm. Yep. Yep. The numb laps are one of the okay.\n\nGood thoughts. Yeah. Yeah. Yeah. No dramas.\n\nYeah. It's fine. Yep. Yep. Yep.\n\nIf you get rid of the mortgage, that's the the main one, isn't it? Yeah. Oh, we're pretty equal. And she's she's got a good government job, so yeah. With fix Victoria Police.\n\nYep. Yep. Yep. Yeah. Correct.\n\nThat is correct. Yep. Yep. Yep. Yep.\n\nYep. Yeah. I think so. Because it yeah. You're well, if you get rid of the mortgage and whatnot, you'd probably don't need as much.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nCorrect. Yeah. I'm happy with that. Okay. Yep.\n\nYes. Yeah. I think so. Yep. No.\n\nI'm happy to leave it as is right now. Yep. Yep. Yep. That's it.\n\nYep. Yep. Yep. No. I think you've covered off most of it.\n\nI'm not thinking. Oh, you can send her a card if you want, I suppose, but yeah. Yeah. I can. Yep.\n\nYeah. Not sure, to be honest. Yeah. Yeah. Something like that would be fine.\n\nYep. Yep. I promise. Yep. Well, yeah, at some stage before, yeah, we can't looking into it, but yeah.\n\nWell, it's not it not not in the near future anyway, I don't think. But yeah. Yes. Yeah. Yeah.\n\nYep. Yeah. I might do that. Yep. Yep.\n\nYep. Yeah. I think so. Yep. Yeah.\n\nIt seems to be down. Okay. So far, so good. Yeah. Yep.\n\nYep. Okay. Got it. Yep. Yep.\n\nNine. I got Yep. Yeah. Robert. No.\n\nI don't think so. Alright. No, Carlos. No worries. You too.\n\nCheers. Thank you. 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much.","start":2132.2698,"end":2138.0452,"sentiment":"neutral","sentiment_score":-0.09161272250554141}],"sentiment":"neutral","sentiment_score":-0.05773994006216526,"num_words":25,"start":2126.3499,"end":2138.0452},{"sentences":[{"text":"Yep.","start":2159.28,"end":2159.78,"sentiment":"neutral","sentiment_score":-0.0007159896194934845},{"text":"Yep.","start":2176.51,"end":2177.01,"sentiment":"neutral","sentiment_score":0.1293091177940369},{"text":"Yeah.","start":2184.59,"end":2184.735,"sentiment":"neutral","sentiment_score":0.021061226725578308},{"text":"Yeah.","start":2189.695,"end":2190.0952,"sentiment":"neutral","sentiment_score":0.06974577903747559},{"text":"Yep.","start":2190.0952,"end":2190.5752,"sentiment":"neutral","sentiment_score":0.093598872423172}],"sentiment":"neutral","sentiment_score":0.06259980127215385,"num_words":5,"start":2159.28,"end":2190.5752},{"sentences":[{"text":"Correct.","start":2190.5752,"end":2191.0752,"sentiment":"neutral","sentiment_score":0.1310437023639679},{"text":"Yeah.","start":2200.08,"end":2200.32,"sentiment":"neutral","sentiment_score":0.3094055652618408},{"text":"I'm 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so.","start":2235.51,"end":2236.31,"sentiment":"neutral","sentiment_score":0.1910271147886912},{"text":"Yep.","start":2236.31,"end":2236.81,"sentiment":"neutral","sentiment_score":0.12875039875507355},{"text":"No.","start":2274.675,"end":2274.995,"sentiment":"neutral","sentiment_score":-0.10988613963127136}],"sentiment":"neutral","sentiment_score":0.1273973435163498,"num_words":7,"start":2224.655,"end":2274.995},{"sentences":[{"text":"I'm happy to leave it as is right now.","start":2274.995,"end":2291.2375,"sentiment":"neutral","sentiment_score":-0.041739698913362294},{"text":"Yep.","start":2291.2375,"end":2291.475,"sentiment":"neutral","sentiment_score":-0.09196746349334715},{"text":"Yep.","start":2299.235,"end":2299.735,"sentiment":"neutral","sentiment_score":-0.12635254859924316},{"text":"Yep.","start":2303.5552,"end":2303.875,"sentiment":"neutral","sentiment_score":0.00017450129962526262},{"text":"That's it.","start":2303.875,"end":2304.8398,"sentiment":"neutral","sentiment_score":-0.018964416347444057}],"sentiment":"neutral","sentiment_score":-0.04512368812200813,"num_words":14,"start":2274.995,"end":2304.8398},{"sentences":[{"text":"Yep.","start":2308.98,"end":2309.48,"sentiment":"neutral","sentiment_score":0.1383064091205597},{"text":"Yep.","start":2336.21,"end":2336.71,"sentiment":"neutral","sentiment_score":0.18252389132976532},{"text":"Yep.","start":2349.185,"end":2349.685,"sentiment":"neutral","sentiment_score":0.2134026736021042},{"text":"No.","start":2356.69,"end":2356.8499,"sentiment":"neutral","sentiment_score":-0.21225672960281372},{"text":"I think you've covered off most of it.","start":2356.8499,"end":2359.19,"sentiment":"neutral","sentiment_score":-0.15554746985435486}],"sentiment":"neutral","sentiment_score":-0.07686695953210194,"num_words":12,"start":2308.98,"end":2359.19},{"sentences":[{"text":"I'm not thinking.","start":2379.0251,"end":2379.825,"sentiment":"neutral","sentiment_score":-0.20959743360678354},{"text":"Oh, you can send her a card if you want, I suppose, but yeah.","start":2379.825,"end":2383.05,"sentiment":"neutral","sentiment_score":-0.0105411915906838},{"text":"Yeah.","start":2414.68,"end":2414.92,"sentiment":"neutral","sentiment_score":0.18609952926635745},{"text":"I can.","start":2414.92,"end":2415.4001,"sentiment":"neutral","sentiment_score":0.23089855909347534},{"text":"Yep.","start":2415.4001,"end":2415.9001,"sentiment":"positive","sentiment_score":0.377652645111084}],"sentiment":"neutral","sentiment_score":0.011865729022593726,"num_words":21,"start":2379.0251,"end":2415.9001},{"sentences":[{"text":"Yeah.","start":2433.06,"end":2433.3,"sentiment":"neutral","sentiment_score":-0.06794331222772598},{"text":"Not sure, to be honest.","start":2433.3,"end":2434.6802,"sentiment":"neutral","sentiment_score":-0.21512267887592315},{"text":"Yeah.","start":2438.6602,"end":2439.1602,"sentiment":"neutral","sentiment_score":-0.13904792070388794},{"text":"Yeah.","start":2439.78,"end":2440.26,"sentiment":"neutral","sentiment_score":-0.07877279072999954},{"text":"Something like that would be fine.","start":2440.26,"end":2441.48,"sentiment":"neutral","sentiment_score":-0.049815421303113304}],"sentiment":"neutral","sentiment_score":-0.11859071041856493,"num_words":14,"start":2433.06,"end":2441.48},{"sentences":[{"text":"Yep.","start":2446.9001,"end":2447.235,"sentiment":"neutral","sentiment_score":-0.07158573716878891},{"text":"Yep.","start":2450.435,"end":2450.915,"sentiment":"neutral","sentiment_score":0.031923022121191025},{"text":"I promise.","start":2450.915,"end":2451.5752,"sentiment":"neutral","sentiment_score":0.02743307687342167},{"text":"Yep.","start":2456.2751,"end":2456.7751,"sentiment":"neutral","sentiment_score":-0.1018819510936737},{"text":"Well, yeah, at some stage before, yeah, we can't looking into it, but yeah.","start":2492.96,"end":2497.055,"sentiment":"neutral","sentiment_score":-0.0946345387824944}],"sentiment":"neutral","sentiment_score":-0.07429273975522895,"num_words":19,"start":2446.9001,"end":2497.055},{"sentences":[{"text":"Well, it's not it not not in the near future anyway, I don't think.","start":2497.055,"end":2501.295,"sentiment":"neutral","sentiment_score":-0.15585754652108466},{"text":"But yeah.","start":2501.295,"end":2503.565,"sentiment":"neutral","sentiment_score":-0.031475020572543144},{"text":"Yes.","start":2515.1501,"end":2515.6501,"sentiment":"neutral","sentiment_score":0.04883473366498947},{"text":"Yeah.","start":2532.965,"end":2533.365,"sentiment":"neutral","sentiment_score":0.11185994744300842},{"text":"Yeah.","start":2533.365,"end":2533.68,"sentiment":"neutral","sentiment_score":0.13593068718910217}],"sentiment":"neutral","sentiment_score":-0.10254370127069323,"num_words":19,"start":2497.055,"end":2533.68},{"sentences":[{"text":"Yep.","start":2552.095,"end":2552.595,"sentiment":"neutral","sentiment_score":0.21635860204696655},{"text":"Yeah.","start":2564.3499,"end":2564.51,"sentiment":"neutral","sentiment_score":0.11020201444625854},{"text":"I might do that.","start":2564.51,"end":2565.23,"sentiment":"neutral","sentiment_score":0.12598750554025173},{"text":"Yep.","start":2565.23,"end":2565.73,"sentiment":"neutral","sentiment_score":0.20626632869243625},{"text":"Yep.","start":2592.9001,"end":2593.4001,"sentiment":"neutral","sentiment_score":0.18216055631637573}],"sentiment":"neutral","sentiment_score":0.1523671904578805,"num_words":8,"start":2552.095,"end":2593.4001},{"sentences":[{"text":"Yep.","start":2609.6602,"end":2610.1602,"sentiment":"neutral","sentiment_score":0.056079357862472534},{"text":"Yeah.","start":2621.6602,"end":2621.9001,"sentiment":"neutral","sentiment_score":0.17819856107234955},{"text":"I think so.","start":2621.9001,"end":2622.645,"sentiment":"neutral","sentiment_score":0.2662195960680644},{"text":"Yep.","start":2622.645,"end":2623.145,"sentiment":"neutral","sentiment_score":0.33228743076324463},{"text":"Yeah.","start":2632.325,"end":2632.565,"sentiment":"neutral","sentiment_score":0.04003926366567612}],"sentiment":"neutral","sentiment_score":0.20075191450970514,"num_words":7,"start":2609.6602,"end":2632.565},{"sentences":[{"text":"It seems to be down.","start":2632.565,"end":2633.445,"sentiment":"neutral","sentiment_score":-0.05401076674461365},{"text":"Okay.","start":2633.445,"end":2633.945,"sentiment":"neutral","sentiment_score":0.1308315545320511},{"text":"So far, so good.","start":2636.43,"end":2637.31,"sentiment":"positive","sentiment_score":0.3768444359302521},{"text":"Yeah.","start":2637.31,"end":2637.71,"sentiment":"neutral","sentiment_score":0.28947165608406067},{"text":"Yep.","start":2637.71,"end":2638.21,"sentiment":"neutral","sentiment_score":0.25650614500045776}],"sentiment":"neutral","sentiment_score":0.1595111054678758,"num_words":12,"start":2632.565,"end":2638.21},{"sentences":[{"text":"Yep.","start":2645.79,"end":2646.29,"sentiment":"neutral","sentiment_score":0.17547278106212616},{"text":"Okay.","start":2646.67,"end":2647.17,"sentiment":"neutral","sentiment_score":0.29297226667404175},{"text":"Got it.","start":2654.625,"end":2659.2,"sentiment":"neutral","sentiment_score":0.027492566965520382},{"text":"Yep.","start":2692.9302,"end":2693.4302,"sentiment":"neutral","sentiment_score":0.0728607028722763},{"text":"Yep.","start":2695.1702,"end":2695.6501,"sentiment":"neutral","sentiment_score":0.07018252462148666}],"sentiment":"neutral","sentiment_score":0.1110789015268286,"num_words":6,"start":2645.79,"end":2695.6501},{"sentences":[{"text":"Nine.","start":2695.6501,"end":2695.8901,"sentiment":"neutral","sentiment_score":0.08742530643939972},{"text":"I got Yep.","start":2695.8901,"end":2704.325,"sentiment":"neutral","sentiment_score":0.12018562356630962},{"text":"Yeah.","start":2748.7898,"end":2749.0298,"sentiment":"neutral","sentiment_score":0.0937700942158699},{"text":"Robert.","start":2749.0298,"end":2749.5298,"sentiment":"neutral","sentiment_score":0.15045654773712158},{"text":"No.","start":2754.085,"end":2754.205,"sentiment":"neutral","sentiment_score":-0.2634187340736389}],"sentiment":"neutral","sentiment_score":0.0612557264310973,"num_words":7,"start":2695.6501,"end":2754.205},{"sentences":[{"text":"I don't think so.","start":2754.205,"end":2755.305,"sentiment":"neutral","sentiment_score":-0.22224890813231468},{"text":"Alright.","start":2767.84,"end":2768.08,"sentiment":"neutral","sentiment_score":0.210207998752594},{"text":"No, Carlos.","start":2768.08,"end":2768.74,"sentiment":"neutral","sentiment_score":0.09873458370566368},{"text":"No worries.","start":2773.28,"end":2773.76,"sentiment":"positive","sentiment_score":0.3687765747308731},{"text":"You too.","start":2773.76,"end":2774.5,"sentiment":"positive","sentiment_score":0.4521833062171936}],"sentiment":"neutral","sentiment_score":0.10550920868461783,"num_words":11,"start":2754.205,"end":2774.5},{"sentences":[{"text":"Cheers.","start":2775.68,"end":2776.08,"sentiment":"positive","sentiment_score":0.5336655974388123},{"text":"Thank you.","start":2776.08,"end":2776.56,"sentiment":"positive","sentiment_score":0.7402137815952301},{"text":"Bye.","start":2776.56,"end":2777.06,"sentiment":"neutral","sentiment_score":-0.10865960270166396}],"sentiment":"positive","sentiment_score":0.4763583894819021,"num_words":4,"start":2775.68,"end":2777.06}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Sam. It's Tommy here, senior adviser from Oakview. How are you doing today?\n\nChannel 1: Good. Yourself?\n\nChannel 0: Right. Living the dream. It's a beautiful week on the Gold Coast. How about your end?\n\nChannel 1: It's not too bad. Yeah. Down here. A little bit cloudy, but a bit cold.\n\nChannel 0: Not too bad. Has it cooled down a little bit?\n\nChannel 1: Yeah. It's starting to cool down now. So\n\nChannel 0: Good to hear, mate. Good to hear. I was just giving you a call to go through your annual review if you still have a few minutes for me.\n\nChannel 1: Yep. Sure. Let me do.\n\nChannel 0: Fantastic, sir. Before I send through your annual review pack, I just wanna let you know that the calls are always recorded for training and quality purposes. Are you okay to go through a quick security check with me?\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Now we don't have a security question on file, so I just wanna let you know that I am registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Yep. Actually, not the first eighty four, and address is 229 Alders Road, Knox Bendigo, Victoria.\n\nChannel 0: Fantastic. Fantastic. Now, Sam, I have a full pack ready to go. I'm gonna shoot it through to your Hotmail address. Is that\n\nChannel 1: Yep.\n\nChannel 0: still current Sam underscore fit?\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Awesome. Will you have access to that today to look on with me, or do you want me to just kind of explain what's there?\n\nChannel 1: Yeah. I can't. It's just\n\nChannel 0: That's okay.\n\nChannel 1: it's\n\nChannel 0: There's a few documents which would\n\nChannel 1: can\n\nChannel 0: be really cool for you to look\n\nChannel 1: only\n\nChannel 0: at after this\n\nChannel 1: do\n\nChannel 0: call as well.\n\nChannel 1: it\n\nChannel 0: Your\n\nChannel 1: on\n\nChannel 0: Superfund with\n\nChannel 1: my\n\nChannel 0: Hub 24, they've\n\nChannel 1: side.\n\nChannel 0: got this new\n\nChannel 1: Yep.\n\nChannel 0: engaged function that they've done, which produces some really cool looking reports that are a little bit easier on the eyes than the usual ones. It's not just a table full of numbers. So I've attached that extra report there as well for you. Before I jump into the details of the strategy, I just wanted to ask you if there's anything in particular you wanted to get out of this year's review.\n\nChannel 1: Not off the top of my head.\n\nChannel 0: Yep. Just a bit of a general update. Nothing too crazy has changed on your end.\n\nChannel 1: No. Not really. No.\n\nChannel 0: Awesome. Awesome. So one of the things I would like to do is I wanted to update a few of your details on file. We have changed systems over Christmas, and I just wanna see if there's been any major changes there. And then I'll dive into your super performance.\n\nWe'll quickly touch on your policy that's attached to your hub account, little bit of a site planning, and we can go from there if that's okay.\n\nChannel 1: Yep. No damage.\n\nChannel 0: Awesome. Now goals wise, we had you retiring at the age of 65, trying to produce an income of about $1,500 a week after tax. Ideally, obviously, if we can try and get you to retire a bit earlier, that would be nice. You can access your super at 60. Do you have a bit of a preference on trying to retire as early as humanly possible, or are you okay to work through to those later years?\n\nWhat's your preference?\n\nChannel 1: Well, I think everyone's called us to try and retire early, ain't it?\n\nChannel 0: It's very strange. I asked that question a couple of thousand times, and it's actually been a fifty fifty split. Half\n\nChannel 1: Error.\n\nChannel 0: of the people tell me if I won the lotto tomorrow, I'd be out of the rat race, and the other half go, I wouldn't know what to do with myself. I always wanna have something to do. So it's a pretty interesting question to ask, but you seem to form the let's build it up as quick as possible.\n\nChannel 1: Yeah. Well, I reckon if you're on the the LOTA, do you find things to entertain yourself with for a while?\n\nChannel 0: Yeah. Yep. That is true. That is true. Mate, there was a few other things going on in your life since we last spoke.\n\nYou're really just focusing on, obviously, paying down your mortgage\n\nChannel 1: Yep.\n\nChannel 0: and basically just getting that debt free by retirement too. Can I just quickly check with you? Because the property market's gone a bit strange. We had your value of your home at about 650,000, and you were owing about $3.20. Do you reckon that's changed significantly?\n\nChannel 1: It's potentially going up the market, but it would be, I don't know, probably another 50 gig or take.\n\nChannel 0: Yeah. Yep. Maybe around 700 would be a good estimate.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. And do you reckon you've paid down much more of that mortgage below 300, or have you when was the last time you checked?\n\nChannel 1: Alright. To be honest, I haven't checked for a while. So the wasp\n\nChannel 0: That's\n\nChannel 1: I'll just\n\nChannel 0: okay.\n\nChannel 1: I'll leave that in me. Your wife's capable hands that part.\n\nChannel 0: Yep. Do you want me to leave that at 03:20 for the time being?\n\nChannel 1: Yeah. If you could. Yep. Might as well.\n\nChannel 0: Yep. No worries. Other assets and liabilities, we had a motor vehicle valued at 40,000 and another car valued at 15. Do\n\nChannel 1: Yep.\n\nChannel 0: you still have both of those?\n\nChannel 1: I do. Yep.\n\nChannel 0: Awesome. We don't have anything listed in the way of savings. Do you have much in the way of an emergency fund, savings in an offset account, anything like that?\n\nChannel 1: I do have a savings account.\n\nChannel 0: Yep. Are we talking $5.10, $15.50? You don't have a million dollars floating under the\n\nChannel 1: No.\n\nChannel 0: mattress,\n\nChannel 1: No.\n\nChannel 0: do you?\n\nChannel 1: No. No. No, man. Nah. It's it's it's just the it's between fifteen and twenty.\n\nChannel 0: Cool. I'll go fifteen for a low estimate just to be conservative.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: Anything else in terms of assets? No shares, crypto, anything else floating around?\n\nChannel 1: No.\n\nChannel 0: Awesome. And do you have any other loans, personal loans, credit cards, anything like that that I have to take into account?\n\nChannel 1: I do have a line with what's their name? Harmony, I believe it's called.\n\nChannel 0: Harmony? What type of loans do Harmony do? Are they, like, personal loans? Or\n\nChannel 1: Yeah. Personal. Yeah. Pretty much personal.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: That's all it is anyway.\n\nChannel 0: Personal loan. How much would that be sitting at?\n\nChannel 1: So it's at about 10, I think. $10.\n\nChannel 0: Yep. 10.\n\nChannel 1: 10.\n\nChannel 0: Not\n\nChannel 1: Yep.\n\nChannel 0: too bad. And in terms of, like, cash flow, so we had you as a carpenter earning about 85,000. Is that still correct?\n\nChannel 1: Yeah. Well, I'm well, still technically in the code. I do curtains and blinds now.\n\nChannel 0: Curtains and blinds. Fantastic.\n\nChannel 1: Yeah. And it's it's similar money. Yeah.\n\nChannel 0: Yep. So do you want me to leave it at the 85 income wise? Do you think it would have gone up or down a little bit?\n\nChannel 1: It's probably gone to 90, give or take, but not yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: It's\n\nChannel 0: I need to.\n\nChannel 1: it's\n\nChannel 0: Curtain's\n\nChannel 1: more\n\nChannel 0: in one\n\nChannel 1: it's\n\nChannel 0: still\n\nChannel 1: more\n\nChannel 0: on the\n\nChannel 1: just\n\nChannel 0: train.\n\nChannel 1: yet. No. No supplying a vehicle or anything like that. So that's where it adds on top of the carpentry because you used to have you pay your own way there.\n\nChannel 0: Perfect. And what I did notice was your contributions had switched around from the employers. So you're currently with let me guess it. Let me guess it. You're with Freedom.\n\nNow you're with O'Brien.\n\nChannel 1: That is correct. Yep.\n\nChannel 0: Awesome. So employer name was Wild Homes at the time. Should I update that to O'Brien?\n\nChannel 1: Yeah. So it's it's dull curtains and blinds technically, but it's t y o, Brian, something installations or something along their lines.\n\nChannel 0: Okay. I'm gonna have to quickly double check that again with you. So t y o O'Brien. And what was it? Something curtains and blinds, did you say?\n\nChannel 1: It's Dollar Dollar Curtains and Blinds is\n\nChannel 0: There\n\nChannel 1: the business\n\nChannel 0: we go.\n\nChannel 1: is the business name. Yep.\n\nChannel 0: Dollar curtains and blinds. Fantastic. No. That's okay. I can match those up.\n\nThat is no worries. Still full time, that kind of thing. With curtains\n\nChannel 1: Yep.\n\nChannel 0: and blinds, are you it said that you were kinda still working at some kind of heights, but nothing over 12 meters. I'm assuming most of what you do is kind of like indoor curtain and blinds\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: installation.\n\nChannel 1: Yeah. There is some outdoor stuff, but it's not it's only yeah, same sort of setup. It's only really to window hot, so one or two steps off the ground.\n\nChannel 0: Yep. Awesome. So we go window height, one or two steps. That is brilliant. Family wise, we had you married with Kayla, and\n\nChannel 1: Yep.\n\nChannel 0: you had three children as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Yep.\n\nChannel 0: K. Is your youngest over 18 now or still about 17?\n\nChannel 1: Yeah. She's 16. Yep. And I'm the oldest two are 18 and 19. So\n\nChannel 0: Yep. Okay. So that's still current. Perfect. I thought\n\nChannel 1: yep.\n\nChannel 0: maybe that was a bit out of date. Phone number and email address is still the same.\n\nChannel 1: Yep.\n\nChannel 0: Home address is still the same. That's perfect. Last couple of things here is you've never gone through any bankruptcy or debt agreements before, have you?\n\nChannel 1: No. I don't\n\nChannel 0: Perfect.\n\nChannel 1: believe\n\nChannel 0: This one's a little bit of a weird one, but it's a new question from us, and we do have to double check. Are you considered a member of a foreign tax residency by any chance?\n\nChannel 1: you. I'm\n\nChannel 0: No. Awesome. And we did have a note that you did have in place, like, a will and a power of attorney. Is that correct?\n\nChannel 1: not. Correct.\n\nChannel 0: Awesome. Would that still be current? It's not out of date or old or anything like that?\n\nChannel 1: No. It should still be. Alright. Yep.\n\nChannel 0: Perfect. Amazing work. Alrighty. That's pretty much it. Anything else on the cards for you guys in the next sort of three years that are important cash flow wise or financial goals?\n\nChannel 1: I was always wondered what with the super whether it's better off putting into, like, a if you can afford to log into a property or something along them lines\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: or\n\nChannel 0: Like a self managed\n\nChannel 1: keeping it\n\nChannel 0: fund\n\nChannel 1: yeah.\n\nChannel 0: or something\n\nChannel 1: Or or\n\nChannel 0: like that.\n\nChannel 1: keeping it in the mark in the market. No.\n\nChannel 0: Well, that is one of my favorite topics, and we've been talking about that a lot with people recently.\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna pull up your account. Just please bear with me. My laptop is going very slow, and\n\nChannel 1: Yep.\n\nChannel 0: I wanna get you today's figures. I've sent all that through in the reports as well, but it's looking pretty good. Okay. So you're sitting at a $178,006.52.\n\nChannel 1: Yep.\n\nChannel 0: One thing I'll quickly touch on just before I answer that question is more around the recent fluctuations because what basically happened is after Christmas, stock market's taken a bit of a dive with the war in Iran, and\n\nChannel 1: Yes.\n\nChannel 0: you actually had a bit of a drop from a 184 down to $1.67, and then it's bounced back up to $1.78 $6.05 2. So it's kind of bounced back just in a week and a half's time.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to, like, cell phone and super funds, so with all of these funds, you're with Hub twenty four. We call it a wrap platform. It has the most kind of investment options in the industry. There's about 1,300 options. We can pretty much invest you into anything in terms of shares, property, gold, infrastructure, term deposits, anything that we need to do to get you, I guess, a diversified portfolio, I would say, to try and get you to that retirement goal.\n\nChannel 1: Yeah.\n\nChannel 0: Now if you go through for, like, a self managed super fund as an example, you might pull your super together with your partner. And, basically, what you've gotta do is with an accountant, you would set up your own super funds, which means\n\nChannel 1: Yep.\n\nChannel 0: you would set up, like, a trust fund. And as a trustee, you would set up a like, a company is pretty standard. So, like, a trust fund and a company. The advisers such as ourselves, we usually do self managed super fund advice, like which bank account should you go with to pull your money into. Once you've purchased a property, how can you invest the rest of the funds alongside the property so you've got both of them working together, if that makes sense.\n\nNow when you go to borrow, borrowing's a little bit tricky on your super because there's a lot of regulations and restrictions. So they call it an LRBA, limited recourse\n\nChannel 1: Yes.\n\nChannel 0: borrowing arrangement. And all that really means is you have to be careful borrowing money on your super. So you have to actually set up a whole another trust and trustee. So you got two trust funds, two companies. One's called a bare trust as opposed to a normal trust that actually holds the loan itself.\n\nSo there's a bit of work that goes into it. Probably costs on average about $5 to set all of those entities up, another $5 for the advice, and then you've got to actually go out, find the property, and get the loan. So they can be quite a bit involved there.\n\nChannel 1: Yes.\n\nChannel 0: Now just having a look at what's been going on with the super at the moment, you're in what I would call, like a high growth fund. Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So most of your money is in, like, shares, property, and gold, trying to get those high long term returns. Average benchmark, I would say, would be about 10% would be the average that we're trying to hit to get you on track for the retirement goal. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now when I go through your performance report, even despite the market going pretty crazy, you've still cleared a 15% return after fees.\n\nChannel 1: Yep.\n\nChannel 0: So you're actually one of the best ones I've seen at Oakview and around the industry. You've kind of outperformed pretty much everybody. It's actually going very, very well at the moment. One thing that I wanted to kind of double check with you is, obviously, in order to kind of retire earlier, you still need to get some high long term returns to build it up because you can't retire on a $178. We need\n\nChannel 1: Okay.\n\nChannel 0: to get you up into those, you know, 750,000 million dollars, that kind of ballpark. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: So when you're growing your super, high growth's okay when you're a bit on the younger side. But once you've built up those funds, you do need to protect it at some point. So when you get close to retirement, you probably don't wanna be 63 sitting in high risk, and then you lose half your super a year before you go to live off of it. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: So what that basically means in between is if you stay high growth, it's gonna go up and down like a bit of a roller coaster ride. Do you ever log in to your hub to keep an eye on it, or was that more just leave it in our hands?\n\nChannel 1: Sometimes I do. Yeah. Yep. Thanks.\n\nChannel 0: Yep. Anything crazy there? Were you were you worried about it, or are you okay with how it's been going?\n\nChannel 1: It looks like it's going okay. It's more just a uncertainty around what's happening with the water, I suppose.\n\nChannel 0: Yeah.\n\nChannel 1: And what yeah. Where it got where it's gonna head and\n\nChannel 0: And 100\n\nChannel 1: yeah.\n\nChannel 0: percent. One of the things that I I tend to talk clients through, and I I try not to use too much finance jargon because it just gets really annoying after a while, is we talk about the term of volatility. Right? What tends to happen when these events happen and everything pops up on the news is your soup is kind of growing along nice and steadily. And then once the news kicks off that there's a war and an oil crisis and all this kind of thing and interest rates moving, it tends to go up and down a lot faster.\n\nSo higher highs and lower lows.\n\nChannel 1: Yep.\n\nChannel 0: Now one of the, I guess, the reassuring things is you look at these, like, we call them market cycles. Every seven years, the soft market grows up, and then it crashes. It grows and it crashes. It grows and it crashes. And, basically, if you remember, we had the GFC back in 2009.\n\nWe had\n\nChannel 1: Yep.\n\nChannel 0: COVID. Now we've got this situation, which could turn into something similar. That type of pattern just keeps repeating itself forever. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what tends to happen there is usually, it's okay to kind of use these opportunities as maybe even a bit of a buying opportunity. The stock market dips for a little bit. Your contributions go in. You can buy\n\nChannel 1: Yep.\n\nChannel 0: some shares, property gold for a cheaper price. And then when the market bounces back, you get those high double digit returns. So what tends to happen is your super could go up ten, twenty, 30%. It could go down 15%.\n\nChannel 1: Yep.\n\nChannel 0: What we're trying to do is average it out at that 10% over a long period of time. So what that equates to dollar terms for you is because of your income level, let's say your employer is putting in their usual, like, 12%. You could have 9,000 going in, but because you're sitting at a 178 now, if the market goes up or down 10%, we're talking $20,000 up, $20,000 down. So your super is now growing more than what you're putting in in contributions.\n\nChannel 1: Yes.\n\nChannel 0: So what I wanna check with you is, are you kind of okay to still focus on that kind of long term return while you've still got that twenty years to go? Because we would normally look at protecting it and reducing the risk in the last seven years or so.\n\nChannel 1: Yes. I've said I could stay with the high risk at the minute and then hope for the best. The high risk.\n\nChannel 0: Yeah. And,\n\nChannel 1: Yep.\n\nChannel 0: look, it's not really even leaving things to chance really because one of the things that people ask me is like, hey. When the world's on fire, can you just put me in something safer and then put me back in when everything's okay on the news? And it's just what I've found over my career over the last sort of twelve to thirteen years is no one can time when to do that no matter how good they are, not even Warren Buffett.\n\nChannel 1: Yep.\n\nChannel 0: So what tends to happen is I say this all the time. News kicks off with COVID and someone super crashes down. They pull it all out to cash, which is like selling everything, and you\n\nChannel 1: Yep.\n\nChannel 0: crystallize that loss. Like, your house goes from $600 to 500. I'm gonna run off and sell that house. And then\n\nChannel 1: Yep.\n\nChannel 0: all of a sudden, six months later, you find out that the house market's back up, and you've got to go back in.\n\nChannel 1: Yep.\n\nChannel 0: So what we tend to say is, like, are you comfortable, like, riding out those waves in the short term? Let your contributions buy up everything as long as the investments are good.\n\nChannel 1: Yeah. I'm happy to.\n\nChannel 0: K? Now I'm not trying to be irresponsible with your super not trying to sit there and say, hey, mate. Yeah. Let it crash down to $90,000 or something silly like that. But it's just making sure that what you're in over time is gonna get you what you need.\n\nChannel 1: Yep.\n\nChannel 0: Now one thing that I can see here, which is the only worry that I've currently got, you've got about eight different investment options. So some of it's in gold, American shares, Australian shares, property. Most everything's done very, very, very well. That's how you've gotten that 15% return. Are you able to see that report that I've sent you through, or should I kind of just run you through what's in there?\n\nChannel 1: Which one's that one? Is that the tub one?\n\nChannel 0: Yeah. There's a hub one there, and it's a twelve month performance. And it's basically just got a big silly looking table with a whole\n\nChannel 1: Yep.\n\nChannel 0: bunch of numbers all over it.\n\nChannel 1: Mhmm. I can see\n\nChannel 0: So\n\nChannel 1: that. Yep.\n\nChannel 0: I'm gonna pull this up. Just give me one quick sec. So I pulled out about seven reports from your super fund, and I'm just trying to let it load.\n\nChannel 1: Yeah.\n\nChannel 0: Here we go. It seems to be crashing. Bear with me for two seconds, mate. There. Gotcha.\n\nChannel 1: And left.\n\nChannel 0: K. So the total portfolio return, 15 and a half percent after fees. That's great. Most of the ones, if you can see that table, it should have a whole bunch of codes on it. Like, the left hand column, it says b h y b and\n\nChannel 1: Yep.\n\nChannel 0: hack. Can you see all that?\n\nChannel 1: Yep. Again.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Right hand side, you can see the returns in percentage\n\nChannel 1: Yep.\n\nChannel 0: terms. So if you look in the middle, you can see most of your funds sitting there at 22%, 13, a 100%, 33. Like, the growth is just insane.\n\nChannel 1: Yep.\n\nChannel 0: The only one that's underperformed is the Australian shares at the top. See the Bennelong one?\n\nChannel 1: Yep.\n\nChannel 0: So that one's gone down about eight or 9%, whereas the market's only gone down about six. So it's kind of underperforming a little bit compared to everybody else in that Australian shares.\n\nChannel 1: Yep.\n\nChannel 0: So what I'm basically telling you is everything's above average. You're getting the target. Everything's performed well, but that one option has been underperforming for a little while. I would probably look at switching that out.\n\nChannel 1: Yes.\n\nChannel 0: Now one question I do have for you, and, again, I'm gonna make a recommendation for you, but I just wanna get your gut feeling on this. If you had to pick between low fees and it just follows the market closely or you pay some slightly higher investment fees to try and get a better return, which way do you lean? Which way is your gut telling you to go?\n\nChannel 1: Yeah. I'm not sure that's a question that always gets me.\n\nChannel 0: No. That's fine. You're currently in a mix of both. So we've got you in a mix where most of your money is in low fee investments,\n\nChannel 1: Bye.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: a couple of little satellite options where we've got small amounts is in the active side that pays a little bit higher to try and get a little bit more. They're kinda like sled dogs that pull you along a little bit quicker. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: So if you're comfortable with that style and things are going well and it's on track, I can keep with the same style. I can just switch that one option out for something that's a bit better like for like. So same style, but better performance.\n\nChannel 1: Yeah. I'll be happy with that, I reckon.\n\nChannel 0: Cool. So what I've gotta do in that case is we do a little bit of research. We've got about two or three funds that we've been looking at recently. I will do the comparisons up and update your statement of advice, which has all of your figures and goals and everything in it, and then we'll run through that together, make sure you're happy with what I'm thinking we should change. And if you're good to go on that, I can switch it around a little bit.\n\nChannel 1: Yep. Yep. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Now we're sounds good.\n\nChannel 0: Outside of that, again, there's been no, like, major changes in terms of fees or features for the superfund, so there doesn't seem to be much of a reason to look at changing superfunds. Again,\n\nChannel 1: Yep.\n\nChannel 0: it's more just about the portfolio under the hood. Just bit of an engine tune, I would say.\n\nChannel 1: Yep.\n\nChannel 0: K? One thing in terms of, like, contributions and everything is now that they've changed the legislation, your employer is about to start putting it in every pay rather than, like, on a quarterly basis.\n\nChannel 1: Yep.\n\nChannel 0: So your contribution is gonna be coming in a lot more frequently, and they're gonna buy in a lot more frequently, which is really good for you. It basically means that rather than waiting three months and missing an opportunity, if it's coming in every week, you get to buy every single week.\n\nChannel 1: Yep.\n\nChannel 0: So we call that dollar cost averaging. That's gonna be really good for everybody super. I am actually personally quite excited for that myself.\n\nChannel 1: Yep.\n\nChannel 0: Now in terms of that $90,000 income that you have, I'm basing everything off what your employer puts in. Are you looking to do any, like, salary sacrifice at the moment? Are you wanting to put $50 a week into your super, get a bit of a tax deduction for it, or are you trying to focus your cash flow on, say, the mortgage?\n\nChannel 1: It's probably more the mortgage at the minute, but, yeah, I have thought about doing a $50 a week or something along their minds.\n\nChannel 0: Yep. At the moment, like, you're tracking really well for your age. You've got a decent balance. You're in high growth. You've a pretty good income.\n\nSo your contributions and your growth should get you to a pretty good balance by the end. You don't have to rush off to do extra contribution today. It may be something that you do late forties, early fifties. We can even do a few things after 60 as well, like a transition to retirement strategy. There's all kinds of things we can do.\n\nI just wanna kind of tailor it to what's going on in your life.\n\nChannel 1: Yep.\n\nChannel 0: So now we did have you saving at about a $100 a week. Have you talked with your partner about putting aside some some extra savings, extra repayments to the mortgage? How's the cash flow going?\n\nChannel 1: Yeah. We try and do the extra not been extra money on the mortgage, but we're\n\nChannel 0: Yeah.\n\nChannel 1: sort of with well, we went went to Europe earlier this year, and we're going to Bali again. So we have savings of sort of thing spent on traveling. I\n\nChannel 0: Yeah. Right. How much is Bartley gonna cost you?\n\nChannel 1: don't think Bali's sat there, to be honest, but, yeah, it's still everything's always in a few thousand dollars in it.\n\nChannel 0: Yeah. I mean, you might only spend 5 or 10 in Bali as opposed\n\nChannel 1: Yep.\n\nChannel 0: to 20 or 30 in Europe. Right?\n\nChannel 1: Europe. Yeah. Correct. Correct.\n\nChannel 0: Cool. I might just put that down as one of your goals just so we can track that that's important as well.\n\nChannel 1: Right. Yep.\n\nChannel 0: A bit of a Bali holiday in the next twelve months. Now would you say a $100 a week is still what you're able to put aside after all your expenses? Has that gone up with your income? Has that gone down with the cost of living and fuel? What what are you thinking?\n\nChannel 1: Sorta I'd still just stick to the $100, and if there's any leftover at the end of the week, I'll just chuck that in as well. So usually.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: that all just goes into savings. Are you are you making, like, actual extra repayments, or do you guys use, like, an offset account?\n\nChannel 1: We've got the offset accounts as well. And then, yeah, just\n\nChannel 0: Perfect.\n\nChannel 1: all goes on the on the loan in the loan\n\nChannel 0: Amazing.\n\nChannel 1: account. Yeah.\n\nChannel 0: Cool. Cool. Cool. Now when you mentioned before possibly using your super to buy investment properties, are you looking at doing any investing personally? Buying investment properties,\n\nChannel 1: Yeah.\n\nChannel 0: getting into some shares of managed funds over the next ten, twenty years, anything like that?\n\nChannel 1: Potentially, yeah. That the only thing is I don't really know. Don't even know much about the, locking the stock market and that sort of stuff. So that's where the property sort of come into it.\n\nChannel 0: Yeah. So there's really no, I guess, wrong answer when it comes to investing as long as you don't overextend a bit too much.\n\nChannel 1: K.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: your two real options are, you've got a bit in the way of equity, so you could potentially borrow off the home and buy an investment property. Are you thinking of staying where you are for a while?\n\nChannel 1: We will for a little bit. Yeah. We we discussed moving them. We thought, well, the kids are pretty close to who knows what they're doing whether they stay or leave. So\n\nChannel 0: Once\n\nChannel 1: there's\n\nChannel 0: they\n\nChannel 1: no\n\nChannel 0: go, are you gonna upgrade homes, downsize, move states?\n\nChannel 1: point. Yeah. That's not too sure. That's a conversation. Is it?\n\nI gotta get me head my wife's head around.\n\nChannel 0: Yeah. Totally fair. That's a big one.\n\nChannel 1: She's\n\nChannel 0: That\n\nChannel 1: she's\n\nChannel 0: is\n\nChannel 1: still\n\nChannel 0: a big\n\nChannel 1: she's\n\nChannel 0: one.\n\nChannel 1: still having trouble with the kids being adults and\n\nChannel 0: Trying\n\nChannel 1: going\n\nChannel 0: to\n\nChannel 1: doing their own thing.\n\nChannel 0: reconcile that they're 18 and they're almost\n\nChannel 1: Yeah.\n\nChannel 0: out of home.\n\nChannel 1: Yeah. Pretty much.\n\nChannel 0: Yeah. That's a tough one, mate. Mine are only six and three, and I've got another one on the way, so I'm well off that stage. But\n\nChannel 1: Yep.\n\nChannel 0: are they do you reckon they're all gonna be out soon? Are they pretty reliant? Are they pretty self sufficient?\n\nChannel 1: Well, it'd be a good kick out the bum for them, but yeah. So no. I don't know. It's an interesting one because it's so expensive for them to move out. So my my thing is I just prefer them to stay at home, save their money, and then buy a house if they can afford it.\n\nChannel 0: And that's one of the things. Like, when I talk investing for people, sometimes they like investing to build up some funds for when the kids turn 18. Your kids are very close to that point anyway, so it's not you're not gonna be able to build up too much unless you just pile in the savings and help them that way or, you know,\n\nChannel 1: Yeah.\n\nChannel 0: like you said, let them stay at home and build a deposit, go guarantor on a loan one day. That's probably the the things that you might be able to do.\n\nChannel 1: Yep.\n\nChannel 0: So what we can do is, like, we can obviously, we're looking after the super at the moment. If at any point you and Kayla wanna look at some investing, whether it's property, even your your Hub 24, they give you investment accounts like\n\nChannel 1: Yep.\n\nChannel 0: your super account, and you can put it in something safe, medium risk, high risk. We can build a whole different portfolio in there, and you can have it on the same login. Like, if you wanna do a bit of a dip your toe in the water with $10 one day and slowly build that up in the background, we can do that too. Or, again, you can borrow, get an investment property. Really up\n\nChannel 1: Yep.\n\nChannel 0: to you guys.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Sam, one thing I did see is on your hub account, we don't have your beneficiary up to date.\n\nChannel 1: Yep.\n\nChannel 0: Were you still wanting to nominate your partner to receive the super?\n\nChannel 1: Yeah. Yep. That that's yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I think it's but, yeah, it's nominated to her, and then I think it all just gets split up between all the kids and whatever through the through the wheel.\n\nChannel 0: Oh, that's what I wanted to check because when you do a super nomination,\n\nChannel 1: Mhmm.\n\nChannel 0: you can direct the super fund with one of these forms for the Supergo directly to your partner, and it's the quickest\n\nChannel 1: Yeah.\n\nChannel 0: way you pass away, Supergo's in her name, all that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: But if you specifically wrote in your will for your super to be involved in the will, then we can aim your super to the will. So if there's no nomination currently, that's an issue. If\n\nChannel 1: Yep.\n\nChannel 0: you did do the super in the will, we can do a legal personal representative nomination to put it in that direction. Do you remember if you put the super in the will?\n\nChannel 1: Oh, I can't remember. Mine is is just pretty basic. Basically, yeah, whatever's there just between\n\nChannel 0: Goes to your partner.\n\nChannel 1: yeah. Then they split try and split everything, like, between all the kids and her.\n\nChannel 0: Yeah. So what I might do, if you can have a quick chat to your partner about that, just double check because either way will be okay, but we just wanna get the right nomination. Are you okay for me to send you the hub beneficiary forms? And then we can just put on there either her directly. That's the quick way it's tax free.\n\nIf the will's taking care of it, we can do that type of\n\nChannel 1: Yep.\n\nChannel 0: nomination too.\n\nChannel 1: Yep. Yeah. Might as well just, yeah, send either either and or both and whatever's easy. If it's easy just to go straight to her, then\n\nChannel 0: Yeah.\n\nChannel 1: just do\n\nChannel 0: When you\n\nChannel 1: that.\n\nChannel 0: do the forms, it's really easy. So when you get to the nominee for who you wanna nominate, you can literally either put her name down and say a 100%, or there's literally a box that says legal personal representative, which is your will. So either\n\nChannel 1: Mhmm.\n\nChannel 0: one. And you've just gotta get it witnessed by two people who are not your beneficiary\n\nChannel 1: Yep.\n\nChannel 0: and a little bit of an ink signature because it is a legal document. You can choose for it to be this is a bit of a strange question. You can choose whether you want it to be legally binding or not. So legally binding means the super fund has to do it. If it's nonbinding, then the super fund has discretion on who it goes to.\n\nChannel 1: Yep.\n\nChannel 0: The other question that's a little bit more serious is do you want it to expire or not? So you can have it expire every three years, or you can make it continuous. That's called non lapsing. Do you have a bit of a preference either way?\n\nChannel 1: The numb laps are one of the okay.\n\nChannel 0: Yep. Just a\n\nChannel 1: Good\n\nChannel 0: straight\n\nChannel 1: thoughts.\n\nChannel 0: up legally binding. Doesn't expire unless you change it. Direct.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Perfect. Perfect. Perfect. I'm gonna double check that that's on your insurance policy.\n\nJust bear with me for a second because I had your, like, your life insurance open just before, and I wanna make sure that's there as well. So I'll double check both. So what may come out to you is either a hub beneficiary or the hub and the insurance. It'll have a cover letter with some instructions. If you have any trouble, just call the team on the office number.\n\nThey can walk you through it over the phone\n\nChannel 1: Yeah.\n\nChannel 0: in two minutes flat.\n\nChannel 1: No dramas.\n\nChannel 0: Is that okay?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Perfect. Let me just grab up this certificate of currency for you. Here we go. There it is. PS1634 is your policy number.\n\nI've got that there. There we go. MetLife. So you have pretty well a full suite of insurance cover through MetLife. I'm gonna double check that your million dollars worth of life insurance is going correctly.\n\nIf there's no nomination on that, we'll get that fixed up too. Now last thing I want to go over with you, just with this policy, you've got a million and 50 worth of life insurance and total disability. So if you pass away, never work again, there's a million dollars plus your super. That pretty well knocks out your mortgage and leaves you with, oh, jeez, almost 900,000 left over.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now what does that kind of do for for Kayla and the kids? So if you let's say you can never work again. Mortgage is paid off. There's $8,900,000. What\n\nChannel 1: Yep.\n\nChannel 0: does that kind of do for the family?\n\nChannel 1: If you get rid of the mortgage, that's the the main one, isn't it?\n\nChannel 0: Yep. Main one. And then it's really just, like, replacing the lost income. Right? Are you kind\n\nChannel 1: Yeah.\n\nChannel 0: of like the breadwinner of the family? Do you guys earn equal amounts?\n\nChannel 1: Oh, we're pretty equal. And she's she's got a good government job, so\n\nChannel 0: Oh, yep. All the soft benefits there with the government work.\n\nChannel 1: yeah. With fix Victoria Police.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Yep.\n\nChannel 0: She gets all the best stuff, and you've got to do all the fancy strategies to catch\n\nChannel 1: Yep.\n\nChannel 0: up.\n\nChannel 1: Yep. Yeah. Correct. That is correct.\n\nChannel 0: Look. I have I I'll be lying if I said I hadn't considered going to the public service one day to get a bit of a cushier position,\n\nChannel 1: Yep.\n\nChannel 0: but maybe that can be when when I'm bit older.\n\nChannel 1: Yep.\n\nChannel 0: What I was basically gonna say, your $90,000 income, that pretty much leaves you 70 grands after tax around about, like, not taking into account tax deductions.\n\nChannel 1: Yep.\n\nChannel 0: So if I go a million and 50,000 plus your super minus off your mortgage, look, we'll go after $3.20 for now.\n\nChannel 1: Yep.\n\nChannel 0: $90,870,000. So it gives you about thirteen years of income replacement after paying off your debts.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound okay?\n\nChannel 1: Yeah. I think so. Because it yeah. You're well, if you get rid of the mortgage and whatnot, you'd probably don't need as much.\n\nChannel 0: Yeah. One of the things too is, let's say you're sitting there with 900,000 and you can never work again. You can invest that and live off the growth of it as well. So that 900,000, that can last like as if you had a million dollars of super and you were retired.\n\nChannel 1: Yep.\n\nChannel 0: So at the moment, I don't see any major issues in terms of, like, the cost of the life insurance. Like, it's $600 for the TPD a year at a super. It's it's not really hurting the super too much in terms of cost and premiums, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: But one of the things I was thinking is over time as you pay down your mortgage, you can trim it down because it gets more expensive when you get older. And\n\nChannel 1: Yeah.\n\nChannel 0: if you don't have a mortgage anymore, well, then maybe you don't need a million dollars anymore.\n\nChannel 1: Yeah. Yep. Correct.\n\nChannel 0: So at the moment, if it's not hurting the super too much, are you okay to leave that amount of cover for now, and then we'll sort of see how it looks in twelve months?\n\nChannel 1: Yeah. I'm happy with that. Okay.\n\nChannel 0: Perfect. Lucky last thing is you do have income protection as well.\n\nChannel 1: Yep.\n\nChannel 0: So if you're out of work for more than ninety days, that will kick in 5,100 a month worth of income replacement all the way up to the age of 65. So what that's basically saying is that you've got enough savings to last a couple of months if you were out of work.\n\nChannel 1: Yes.\n\nChannel 0: Would you guys be able to get by for a couple of months? Her income, bit of the savings, and offset until that cover kicks in.\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: K. Again, we can always shorten the waiting period. It does make it more expensive, so I was wanting to run it by you. Now when I've got your income there, if I look at that, the maximum is 70%. And if I work that back, that is 5,250.\n\nSo technically speaking, you're a tiny bit underinsured for your income. But if you're telling me that 5,100 a month is okay to live on and you guys will get by with the mortgage repayments and everything, Don't have to increase it. Just wanted to run it by you because your incomes increase. You can increase your insurance or just leave it as is.\n\nChannel 1: No. I'm happy to leave it as is\n\nChannel 0: K? Just we're gonna keep an eye on this one because the income protection, it's the more expensive one. It's almost $2 a year, and you get a 15% tax rebate off of that out of the super.\n\nChannel 1: right\n\nChannel 0: So\n\nChannel 1: now.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: has a bit of an impact. If that increases, you probably don't wanna be paying $6.07, $8,000 when you're 50 if you\n\nChannel 1: Yep.\n\nChannel 0: don't need all that insurance. So we will have to trim it down at some point.\n\nChannel 1: Yep. That's it.\n\nChannel 0: One of the things too, you know how I mentioned salary sacrifice before?\n\nChannel 1: Yep.\n\nChannel 0: When you're all good with your goals for your mortgage and everything, if you put it in to offset the insurance costs, you get that tax deduction for the salary sacrifice. It's almost like paying it out of pocket where it's fully deductible. So if at some point, we need to offset it by putting in that $50 a week, it may cost you, say, 35 in the hand because they put it in, like, pretax.\n\nChannel 1: Yep.\n\nChannel 0: So it's a way of getting $50 in the super. It costs you 35. You get a lovely little deduction there, and it covers costs, boost up your super. When it comes time to do that, we can revisit that as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Cool. Mate, do you have any questions for me at the at the moment? I've gone through quite a bit with you so far.\n\nChannel 1: No. I think you've covered off most of it.\n\nChannel 0: Yep. Look. Everything is looking pretty good. You don't have trauma insurance, which is for heart attack, stroke, and cancer. But, again, you're a bit tight on the cash flow there.\n\nAre you just happy to leave the life keeping in income protection, or do you want me to get a quote for that one?\n\nChannel 1: I'm not thinking. Oh, you can send her a card if you want, I suppose, but yeah.\n\nChannel 0: Yeah. Why not? I mean, what I'll do is when I go through that update for your investment option, I'll do a quote for, say, a 100,000 worth of trauma cover. So you have a heart attack, that's a 100 grands. Your partner can take a few months off work to look after you, cover medical expenses, things like that.\n\nWhen you go through that advice document, you can actually write at the bottom on the DocuSign. You can say, yes. I wanna go ahead with this or no. I don't. So you can kind of pick if you wanna do it or not.\n\nChannel 1: Yeah. I can. Yep.\n\nChannel 0: Cool. So I'll do up a quote just to be safe with MetLife there and see what that's looking like. Let's say it was coming out of pocket. What would be the maximum you would wanna pay per month for an insurance policy?\n\nChannel 1: Yeah. Not sure, to be honest.\n\nChannel 0: Like, 20, 30, 40, would that be getting a bit too\n\nChannel 1: Yeah.\n\nChannel 0: expensive?\n\nChannel 1: Yeah. Something like that would be fine.\n\nChannel 0: Cool. I'll put a cap of it at 40. So if it's more than 40, I'm not even gonna recommend it. If\n\nChannel 1: Yep.\n\nChannel 0: it's under 40, I'll do the quote up so you can see it.\n\nChannel 1: Yep. I promise.\n\nChannel 0: Cool. Again, I don't want you paying a $120 a month for something if you don't value it.\n\nChannel 1: Yep.\n\nChannel 0: Not in the interest of just trying to get you insurances, mate, but I do have to check. You don't have this one. Do you want it? That is okay. 40 a month max, $100,000 quote.\n\nAnd the investment switch, that's all good. Now last thing I wanted to check with you was just your thoughts on the whole self managed super fund thing that I mentioned before. Look. Everything is going well with the super so far. We've got a bit of property mix into you into your portfolio.\n\nIs that something that you think you and your partner wanna sort of investigate this year, next year, and and sort of go through all of that?\n\nChannel 1: Well, yeah, at some stage before, yeah, we can't looking into it, but yeah. Well, it's not it not not in the near future anyway, I don't think. But\n\nChannel 0: K. And it's\n\nChannel 1: yeah.\n\nChannel 0: again, it's something that's pretty powerful, like borrowing money on your super can be somewhat dangerous, but really beneficial for having a bigger asset. It really just depends on crunching numbers. Once you've\n\nChannel 1: Yes.\n\nChannel 0: got your super there, how big of a property can you even purchase with that from getting a loan? And, you know, given the property prices, if you can get something that's good, great. If everything's a million dollars and you can only afford 600, well, then you've gotta wait until you've got a bigger balance.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Cool. Look. I'll put that down as something to come back to. So when we do these reviews, we can at least talk to you about it and sort of see if that's something we can look into.\n\nAgain, when it comes to Oakview, we're pretty well self licensed to look at any kind of advice. So if you wanna steer the ship in a different direction, we're happy to follow you along.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Cool. Mate, I've sent you through the annual review pack. Have you had a chance to look at it much? I know you said you're gonna look on your phone, so maybe better off to look at it straight after the call if that's okay.\n\nChannel 1: Yeah. I might do that. Yep.\n\nChannel 0: Cool. So just to let you know what I've sent through, you've got that performance report we're looking at with Hub. You've got your certificate of currency for the insurances. Look. If something happens to you, we do help with the claims process.\n\nSo if you're off work and you get sick, we're probably not your first port of call, but you can give us a buzz. We can help you through the forms, liaise with the insurer, help you get the money.\n\nChannel 1: Yep.\n\nChannel 0: There's a financial services guide. We always update our license details, services, who we are, team photos, all that fun stuff in there, complaints, procedures, everything is in there. So give that a read if you've got if you've got some inclination to do so. And I\n\nChannel 1: Yep.\n\nChannel 0: have included your service agreement as well. Now I do need to ask the all important question. Are you comfortable with Oakview looking after the Subaru for the next twelve months or so?\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: Cool. But any feedback on services and things like that? Like, have you been having a good service so far? Has it been going well for you?\n\nChannel 1: Yeah. It seems to be down. Okay.\n\nChannel 0: So far, so good?\n\nChannel 1: So far, so good. Yeah. Yep.\n\nChannel 0: I guess until the world goes on fire and there's World War three and all the rest of it. But, again, if we need to change things, we're we're happy to do so.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Awesome. Mate, I'm gonna leave that in your hands to review. I'm just gonna quickly pull up the documents that I sent you\n\nChannel 1: Got\n\nChannel 0: just to ensure it's all correct because I don't want you to sign something that's not correct.\n\nChannel 1: it.\n\nChannel 0: Let me just have a look. We've got your pack here. And, again, please don't sign it until we've talked about it. Alright. So in there, you've got, like, a lost super search.\n\nPretty standard with us. We always just shoot the the government a message to see if there's anything floating around we haven't taken into account. The fees are still 1.65%, and that's kind of split monthly throughout the year, and it's a twelve month agreement. So it's not like a a lock in for twelve months, but we do need consent every year to still\n\nChannel 1: Yep.\n\nChannel 0: be your advisers.\n\nChannel 1: Yep. Nine. I got\n\nChannel 0: Cool. Cool. The other one that I have to let you know about, tax file number declaration. Now\n\nChannel 1: Yep.\n\nChannel 0: there was a lot of cybersecurity issues in Australia last year. People sent some information getting lost. So instead of keeping tax file number in a whole bunch of different systems, we would just like you to opt in to keeping it on this one form, and we do need your consent because that is a very important number. And, you know, what what do you call it? Like, name fraud and things like that can happen.\n\nCool. Mate, that new DocuSign that's come through, that's from our new system, Odoo. If you have any trouble with it, let us know, but there should be, like, a hyperlink button to jump in there and and sign it. Once you've done that, you can download a signed copy. There'll be a little pop up button for you.\n\nChannel 1: Yeah. Robert.\n\nChannel 0: Awesome, dude. Mate, any last questions for me before I let you go?\n\nChannel 1: No. I don't think so.\n\nChannel 0: Awesome, dude. What we'll do, I'll leave that with you. We'll give you a call in a couple of weeks just to go through that quote and the change to the investments together, and we should be good to go.\n\nChannel 1: Alright. No, Carlos.\n\nChannel 0: Awesome, Sam. You have a fantastic day, mate, and I'll talk to you in a couple of weeks.\n\nChannel 1: No worries. You too.\n\nChannel 0: Cheers, mate. Bye.\n\nChannel 1: Cheers. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.71999997,"end":1.22,"sentiment":"neutral","sentiment_score":0.06457455456256866}],"sentiment":"neutral","sentiment_score":0.06457455456256866,"channel":1,"num_words":1,"start":0.71999997,"end":1.22},{"sentences":[{"text":"Good afternoon, Sam.","start":2.24,"end":3.28,"sentiment":"positive","sentiment_score":0.38802696267763775},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.28,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2939515582152775},{"text":"How are you doing today?","start":5.3599997,"end":6.5,"sentiment":"neutral","sentiment_score":0.3154718101024628}],"sentiment":"neutral","sentiment_score":0.319940056403478,"channel":0,"num_words":15,"start":2.24,"end":6.5},{"sentences":[{"text":"Good.","start":6.72,"end":6.96,"sentiment":"positive","sentiment_score":0.4984416365623474},{"text":"Yourself?","start":6.96,"end":7.46,"sentiment":"positive","sentiment_score":0.3386099338531494}],"sentiment":"positive","sentiment_score":0.4185257852077484,"channel":1,"num_words":2,"start":6.72,"end":7.46},{"sentences":[{"text":"Right.","start":7.7599998,"end":8.0,"sentiment":"positive","sentiment_score":0.4854487180709839},{"text":"Living the dream.","start":8.0,"end":8.639999,"sentiment":"positive","sentiment_score":0.6289063294728597},{"text":"It's a beautiful week on the Gold Coast.","start":8.639999,"end":10.719999,"sentiment":"positive","sentiment_score":0.7439931407570839},{"text":"How about your end?","start":10.719999,"end":11.78,"sentiment":"positive","sentiment_score":0.3574254512786865}],"sentiment":"positive","sentiment_score":0.6096134148538113,"channel":0,"num_words":16,"start":7.7599998,"end":11.78},{"sentences":[{"text":"It's not too bad.","start":12.719999,"end":13.759999,"sentiment":"neutral","sentiment_score":0.13372720777988434},{"text":"Yeah.","start":13.759999,"end":14.16,"sentiment":"neutral","sentiment_score":0.03857358917593956},{"text":"Down here.","start":14.16,"end":14.955,"sentiment":"neutral","sentiment_score":-0.012550920248031616},{"text":"A little bit cloudy, but a bit cold.","start":15.355,"end":18.975,"sentiment":"neutral","sentiment_score":-0.1093366714194417}],"sentiment":"neutral","sentiment_score":-0.021754186103741326,"channel":1,"num_words":15,"start":12.719999,"end":18.975},{"sentences":[{"text":"Not too bad.","start":18.575,"end":19.455,"sentiment":"neutral","sentiment_score":-0.0539418359597524},{"text":"Has it cooled down a little bit?","start":19.455,"end":21.395,"sentiment":"neutral","sentiment_score":-0.06910072533147675}],"sentiment":"neutral","sentiment_score":-0.06455305851995945,"channel":0,"num_words":10,"start":18.575,"end":21.395},{"sentences":[{"text":"Yeah.","start":21.275,"end":21.675,"sentiment":"neutral","sentiment_score":0.03182094916701317},{"text":"It's starting to cool down now.","start":21.675,"end":22.875,"sentiment":"neutral","sentiment_score":0.0805654227733612},{"text":"So","start":22.875,"end":23.035,"sentiment":"neutral","sentiment_score":0.29361778497695923}],"sentiment":"neutral","sentiment_score":0.10110390884801745,"channel":1,"num_words":8,"start":21.275,"end":23.035},{"sentences":[{"text":"Good to hear, mate.","start":23.935001,"end":24.654999,"sentiment":"positive","sentiment_score":0.5457151532173157},{"text":"Good to hear.","start":24.654999,"end":25.455,"sentiment":"positive","sentiment_score":0.41694679856300354},{"text":"I was just giving you a call to go through your annual review if you still have a few minutes for me.","start":25.455,"end":29.91,"sentiment":"neutral","sentiment_score":0.1672735573215918}],"sentiment":"neutral","sentiment_score":0.24530066447011356,"channel":0,"num_words":29,"start":23.935001,"end":29.91},{"sentences":[{"text":"Yep.","start":30.98,"end":31.14,"sentiment":"neutral","sentiment_score":0.1314592957496643},{"text":"Sure.","start":31.14,"end":31.3,"sentiment":"neutral","sentiment_score":0.21200695633888245},{"text":"Let me do.","start":31.3,"end":32.12,"sentiment":"neutral","sentiment_score":0.24222694337368011}],"sentiment":"neutral","sentiment_score":0.21402941644191742,"channel":1,"num_words":5,"start":30.98,"end":32.12},{"sentences":[{"text":"Fantastic, sir.","start":32.53,"end":33.57,"sentiment":"positive","sentiment_score":0.6252814531326294},{"text":"Before I send through your annual review pack, I just wanna let you know that the calls are always recorded for training and quality purposes.","start":33.57,"end":40.309998,"sentiment":"neutral","sentiment_score":0.10905334681272506},{"text":"Are you okay to go through a quick security check with me?","start":40.905003,"end":43.325,"sentiment":"neutral","sentiment_score":0.06421384494751692}],"sentiment":"neutral","sentiment_score":0.1217298132295792,"channel":0,"num_words":39,"start":32.53,"end":43.325},{"sentences":[{"text":"Yep.","start":43.379997,"end":43.725,"sentiment":"neutral","sentiment_score":0.11365392059087752}],"sentiment":"neutral","sentiment_score":0.11365392059087752,"channel":1,"num_words":1,"start":43.379997,"end":43.725},{"sentences":[{"text":"Awesome.","start":44.745003,"end":45.225002,"sentiment":"neutral","sentiment_score":0.3011338710784912},{"text":"Now we don't have a security question on file, so I just wanna let you know that I am registered with ASIC as Adviser 1273105.","start":45.225002,"end":53.325,"sentiment":"neutral","sentiment_score":0.12725646838545798},{"text":"Are you okay to confirm your date of birth and address, please?","start":53.385002,"end":56.365,"sentiment":"neutral","sentiment_score":0.06012306486566862}],"sentiment":"neutral","sentiment_score":0.11063216734481485,"channel":0,"num_words":38,"start":44.745003,"end":56.365},{"sentences":[{"text":"Yep.","start":56.524998,"end":57.004997,"sentiment":"neutral","sentiment_score":0.029481269419193268},{"text":"Actually, not the first eighty four, and address is 229 Alders Road, Knox Bendigo, Victoria.","start":57.004997,"end":64.68,"sentiment":"neutral","sentiment_score":0.03424222394824028}],"sentiment":"neutral","sentiment_score":0.03394466429017484,"channel":1,"num_words":16,"start":56.524998,"end":64.68},{"sentences":[{"text":"Fantastic.","start":65.47,"end":65.97,"sentiment":"positive","sentiment_score":0.5694551467895508},{"text":"Fantastic.","start":66.270004,"end":66.770004,"sentiment":"positive","sentiment_score":0.5628237128257751},{"text":"Now, Sam, I have a full pack ready to go.","start":66.83,"end":69.07,"sentiment":"neutral","sentiment_score":0.3155898958444595},{"text":"I'm gonna shoot it through to your Hotmail address.","start":69.07,"end":71.81,"sentiment":"neutral","sentiment_score":0.15506457702981102},{"text":"Is that","start":71.915,"end":72.315,"sentiment":"neutral","sentiment_score":0.07106107845902443}],"sentiment":"neutral","sentiment_score":0.25329918122809864,"channel":0,"num_words":23,"start":65.47,"end":72.315},{"sentences":[{"text":"Yep.","start":72.26,"end":72.76,"sentiment":"neutral","sentiment_score":0.05042457580566406}],"sentiment":"neutral","sentiment_score":0.05042457580566406,"channel":1,"num_words":1,"start":72.26,"end":72.76},{"sentences":[{"text":"still current Sam underscore fit?","start":72.315,"end":74.415,"sentiment":"neutral","sentiment_score":0.040432676672935486}],"sentiment":"neutral","sentiment_score":0.040432676672935486,"channel":0,"num_words":5,"start":72.315,"end":74.415},{"sentences":[{"text":"Yep.","start":74.375,"end":74.695,"sentiment":"neutral","sentiment_score":0.04965096339583397},{"text":"That's correct.","start":74.695,"end":75.435,"sentiment":"neutral","sentiment_score":0.13806476816534996}],"sentiment":"neutral","sentiment_score":0.10859349990884463,"channel":1,"num_words":3,"start":74.375,"end":75.435},{"sentences":[{"text":"Awesome.","start":75.835,"end":76.155,"sentiment":"positive","sentiment_score":0.3449938893318176},{"text":"Will you have access to that today to look on with me, or do you want me to just kind of explain what's 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okay.","start":89.29,"end":90.03,"sentiment":"neutral","sentiment_score":0.0444369874894619}],"sentiment":"neutral","sentiment_score":0.0444369874894619,"channel":0,"num_words":2,"start":89.29,"end":90.03},{"sentences":[{"text":"it's","start":89.735,"end":90.235,"sentiment":"neutral","sentiment_score":0.04800693318247795}],"sentiment":"neutral","sentiment_score":0.04800693318247795,"channel":1,"num_words":1,"start":89.735,"end":90.235},{"sentences":[{"text":"There's a few documents which would","start":90.25,"end":91.61,"sentiment":"neutral","sentiment_score":0.11835644021630287}],"sentiment":"neutral","sentiment_score":0.11835644021630287,"channel":0,"num_words":6,"start":90.25,"end":91.61},{"sentences":[{"text":"can","start":91.585,"end":92.085,"sentiment":"neutral","sentiment_score":0.153284952044487}],"sentiment":"neutral","sentiment_score":0.153284952044487,"channel":1,"num_words":1,"start":91.585,"end":92.085},{"sentences":[{"text":"be really cool for you to 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correct?","start":555.68,"end":556.5,"sentiment":"neutral","sentiment_score":0.029752396047115326}],"sentiment":"neutral","sentiment_score":0.021672142073512077,"channel":0,"num_words":25,"start":550.16,"end":556.5},{"sentences":[{"text":"not.","start":556.41003,"end":556.57,"sentiment":"neutral","sentiment_score":-0.03236744925379753},{"text":"Correct.","start":556.57,"end":557.07,"sentiment":"neutral","sentiment_score":0.01099453866481781}],"sentiment":"neutral","sentiment_score":-0.01068645529448986,"channel":1,"num_words":2,"start":556.41003,"end":557.07},{"sentences":[{"text":"Awesome.","start":557.68,"end":558.08,"sentiment":"neutral","sentiment_score":0.05400017648935318},{"text":"Would that still be current?","start":558.08,"end":559.2,"sentiment":"neutral","sentiment_score":0.008724157884716987},{"text":"It's not out of date or old or anything like that?","start":559.2,"end":561.94,"sentiment":"neutral","sentiment_score":-0.0820031078024344}],"sentiment":"neutral","sentiment_score":-0.047318424700814134,"channel":0,"num_words":17,"start":557.68,"end":561.94},{"sentences":[{"text":"No.","start":562.09,"end":562.25,"sentiment":"neutral","sentiment_score":-0.09182190895080566},{"text":"It should still be.","start":562.25,"end":563.21,"sentiment":"neutral","sentiment_score":-0.06642438564449549},{"text":"Alright.","start":563.21,"end":563.71,"sentiment":"neutral","sentiment_score":0.06333135813474655},{"text":"Yep.","start":564.555,"end":565.055,"sentiment":"neutral","sentiment_score":0.1330484300851822}],"sentiment":"neutral","sentiment_score":-0.023019951901265552,"channel":1,"num_words":7,"start":562.09,"end":565.055},{"sentences":[{"text":"Perfect.","start":564.945,"end":565.445,"sentiment":"positive","sentiment_score":0.4550504684448242},{"text":"Amazing work.","start":565.505,"end":566.565,"sentiment":"positive","sentiment_score":0.5163224339485168},{"text":"Alrighty.","start":568.145,"end":568.645,"sentiment":"neutral","sentiment_score":0.23682695627212524},{"text":"That's pretty much it.","start":568.865,"end":570.145,"sentiment":"neutral","sentiment_score":0.21642056852579117},{"text":"Anything else on the cards for you guys in the next sort of three years that are important cash flow wise or financial goals?","start":570.145,"end":576.165,"sentiment":"neutral","sentiment_score":0.05585128084445993}],"sentiment":"neutral","sentiment_score":0.12283235334325582,"channel":0,"num_words":32,"start":564.945,"end":576.165},{"sentences":[{"text":"I was always wondered what with the super whether it's better off putting into, like, a if you can afford to log into a property or something along them 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something","start":593.64496,"end":594.20496,"sentiment":"neutral","sentiment_score":-0.018965291790664196}],"sentiment":"neutral","sentiment_score":-0.018965291790664196,"channel":0,"num_words":2,"start":593.64496,"end":594.20496},{"sentences":[{"text":"Or or","start":593.985,"end":594.38495,"sentiment":"neutral","sentiment_score":-0.02310501877218485}],"sentiment":"neutral","sentiment_score":-0.02310501877218485,"channel":1,"num_words":2,"start":593.985,"end":594.38495},{"sentences":[{"text":"like that.","start":594.20496,"end":594.865,"sentiment":"neutral","sentiment_score":-0.027557124383747578}],"sentiment":"neutral","sentiment_score":-0.027557124383747578,"channel":0,"num_words":2,"start":594.20496,"end":594.865},{"sentences":[{"text":"keeping it in the mark in the 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good.","start":610.39,"end":614.65,"sentiment":"neutral","sentiment_score":0.32543513576189675},{"text":"Okay.","start":616.005,"end":616.325,"sentiment":"neutral","sentiment_score":0.2101832628250122},{"text":"So you're sitting at a $178,006.52.","start":616.325,"end":619.70496,"sentiment":"neutral","sentiment_score":0.15883571033676466}],"sentiment":"neutral","sentiment_score":0.25634068064391613,"channel":0,"num_words":28,"start":608.07,"end":619.70496},{"sentences":[{"text":"Yep.","start":619.935,"end":620.435,"sentiment":"neutral","sentiment_score":0.15357469022274017}],"sentiment":"neutral","sentiment_score":0.15357469022274017,"channel":1,"num_words":1,"start":619.935,"end":620.435},{"sentences":[{"text":"One thing I'll quickly touch on just before I answer that question is more around the recent fluctuations because what basically happened is after Christmas, stock market's taken a bit of a dive with the war in Iran, 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loan.","start":750.88995,"end":760.88995,"sentiment":"neutral","sentiment_score":-0.047532828468264954},{"text":"So they can be quite a bit involved there.","start":760.88995,"end":763.875,"sentiment":"neutral","sentiment_score":-0.10907465136713451}],"sentiment":"neutral","sentiment_score":-0.06119780314083283,"channel":0,"num_words":52,"start":748.81,"end":763.875},{"sentences":[{"text":"Yes.","start":764.34,"end":764.84,"sentiment":"neutral","sentiment_score":0.017501886934041977}],"sentiment":"neutral","sentiment_score":0.017501886934041977,"channel":1,"num_words":1,"start":764.34,"end":764.84},{"sentences":[{"text":"Now just having a look at what's been going on with the super at the moment, you're in what I would call, like a high growth fund.","start":765.875,"end":774.995,"sentiment":"neutral","sentiment_score":0.06892129716773827},{"text":"Does that ring a 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fees.","start":793.785,"end":802.76495,"sentiment":"neutral","sentiment_score":0.1668581356820853}],"sentiment":"neutral","sentiment_score":0.16575422044843435,"channel":0,"num_words":24,"start":793.305,"end":802.76495},{"sentences":[{"text":"Yep.","start":803.445,"end":803.945,"sentiment":"neutral","sentiment_score":0.31049665808677673}],"sentiment":"neutral","sentiment_score":0.31049665808677673,"channel":1,"num_words":1,"start":803.445,"end":803.945},{"sentences":[{"text":"So you're actually one of the best ones I've seen at Oakview and around the industry.","start":804.77997,"end":809.33997,"sentiment":"positive","sentiment_score":0.5279645081609488},{"text":"You've kind of outperformed pretty much everybody.","start":809.33997,"end":811.92,"sentiment":"positive","sentiment_score":0.6155362299510411},{"text":"It's actually going very, very well at the moment.","start":812.7,"end":814.95996,"sentiment":"positive","sentiment_score":0.5893407993846469},{"text":"One thing that I wanted to kind of double check with you is, obviously, in order to kind of retire earlier, you still need to get some high long term returns to build it up because you can't retire on a $178.","start":815.42,"end":828.265,"sentiment":"neutral","sentiment_score":0.05235497972794941},{"text":"We need","start":828.405,"end":828.805,"sentiment":"neutral","sentiment_score":0.010032784193754196}],"sentiment":"neutral","sentiment_score":0.2668319427849431,"channel":0,"num_words":76,"start":804.77997,"end":828.805},{"sentences":[{"text":"Okay.","start":828.59503,"end":829.09503,"sentiment":"neutral","sentiment_score":0.03856648504734039}],"sentiment":"neutral","sentiment_score":0.03856648504734039,"channel":1,"num_words":1,"start":828.59503,"end":829.09503},{"sentences":[{"text":"to get you up into those, you know, 750,000 million dollars, that kind of ballpark.","start":828.805,"end":835.12,"sentiment":"neutral","sentiment_score":0.10022273833552996},{"text":"Does that make sense?","start":835.12,"end":836.18,"sentiment":"neutral","sentiment_score":0.07697348529472947}],"sentiment":"neutral","sentiment_score":0.09532815874799301,"channel":0,"num_words":19,"start":828.805,"end":836.18},{"sentences":[{"text":"Yep.","start":836.29,"end":836.79,"sentiment":"neutral","sentiment_score":0.10803596675395966}],"sentiment":"neutral","sentiment_score":0.10803596675395966,"channel":1,"num_words":1,"start":836.29,"end":836.79},{"sentences":[{"text":"So when you're growing your super, high growth's okay when you're a bit on the younger side.","start":838.0,"end":844.965,"sentiment":"neutral","sentiment_score":0.1748406418106135},{"text":"But once you've built up those funds, you do need to protect it at some point.","start":845.28503,"end":849.625,"sentiment":"neutral","sentiment_score":0.022635700646787882},{"text":"So when you get close to retirement, you probably don't wanna be 63 sitting in high risk, and then you lose half your super a year before you go to live off of it.","start":849.685,"end":858.80505,"sentiment":"neutral","sentiment_score":-0.1594433387851014},{"text":"Does that make sense?","start":858.80505,"end":859.945,"sentiment":"neutral","sentiment_score":0.0743041392415762}],"sentiment":"neutral","sentiment_score":-0.025202744233776147,"channel":0,"num_words":71,"start":838.0,"end":859.945},{"sentences":[{"text":"Yep.","start":860.16003,"end":860.66003,"sentiment":"neutral","sentiment_score":0.0995161384344101}],"sentiment":"neutral","sentiment_score":0.0995161384344101,"channel":1,"num_words":1,"start":860.16003,"end":860.66003},{"sentences":[{"text":"So what that basically means in between is if you stay high growth, it's gonna go up and down like a bit of a roller coaster ride.","start":861.23004,"end":868.19,"sentiment":"neutral","sentiment_score":0.009355547527472178},{"text":"Do you ever log in to your hub to keep an eye on it, or was that more just leave it in our hands?","start":868.19,"end":872.53,"sentiment":"neutral","sentiment_score":0.025418406430010993}],"sentiment":"neutral","sentiment_score":0.016914539952196328,"channel":0,"num_words":51,"start":861.23004,"end":872.53},{"sentences":[{"text":"Sometimes I do.","start":873.245,"end":873.885,"sentiment":"neutral","sentiment_score":0.0652583676079909},{"text":"Yeah.","start":873.885,"end":874.205,"sentiment":"neutral","sentiment_score":0.12784108519554138},{"text":"Yep.","start":874.205,"end":874.705,"sentiment":"neutral","sentiment_score":0.1846371293067932},{"text":"Thanks.","start":875.085,"end":875.585,"sentiment":"positive","sentiment_score":0.3685458898544311}],"sentiment":"neutral","sentiment_score":0.14613320119678974,"channel":1,"num_words":6,"start":873.245,"end":875.585},{"sentences":[{"text":"Yep.","start":875.11505,"end":875.35504,"sentiment":"neutral","sentiment_score":0.10184124112129211},{"text":"Anything crazy there?","start":875.35504,"end":876.715,"sentiment":"neutral","sentiment_score":0.040602980802456536},{"text":"Were you were you worried about it, or are you okay with how it's been going?","start":876.715,"end":880.09503,"sentiment":"neutral","sentiment_score":-0.026253921329043806}],"sentiment":"neutral","sentiment_score":-0.009820627886801958,"channel":0,"num_words":20,"start":875.11505,"end":880.09503},{"sentences":[{"text":"It looks like it's going okay.","start":881.005,"end":882.22003,"sentiment":"neutral","sentiment_score":0.004545249044895172},{"text":"It's more just a uncertainty around what's happening with the water, I suppose.","start":882.22003,"end":888.8,"sentiment":"neutral","sentiment_score":-0.14163131180864114}],"sentiment":"neutral","sentiment_score":-0.09547029259173494,"channel":1,"num_words":19,"start":881.005,"end":888.8},{"sentences":[{"text":"Yeah.","start":889.44995,"end":889.94995,"sentiment":"neutral","sentiment_score":-0.006337735801935196}],"sentiment":"neutral","sentiment_score":-0.006337735801935196,"channel":0,"num_words":1,"start":889.44995,"end":889.94995},{"sentences":[{"text":"And what yeah.","start":889.9,"end":890.54,"sentiment":"neutral","sentiment_score":-0.010408097878098488},{"text":"Where it got where it's gonna head and","start":890.54,"end":892.48,"sentiment":"neutral","sentiment_score":-0.00674633018206805}],"sentiment":"neutral","sentiment_score":-0.00774499409916726,"channel":1,"num_words":11,"start":889.9,"end":892.48},{"sentences":[{"text":"And 100","start":893.20996,"end":893.85,"sentiment":"neutral","sentiment_score":0.07085957750678062}],"sentiment":"neutral","sentiment_score":0.07085957750678062,"channel":0,"num_words":2,"start":893.20996,"end":893.85},{"sentences":[{"text":"yeah.","start":893.7075,"end":893.835,"sentiment":"neutral","sentiment_score":0.05704694986343384}],"sentiment":"neutral","sentiment_score":0.05704694986343384,"channel":1,"num_words":1,"start":893.7075,"end":893.835},{"sentences":[{"text":"percent.","start":893.85,"end":894.32996,"sentiment":"neutral","sentiment_score":0.04242593050003052},{"text":"One of the things that I I tend to talk clients through, and I I try not to use too much finance jargon because it just gets really annoying after a while, is we talk about the term of volatility.","start":894.32996,"end":904.41504,"sentiment":"neutral","sentiment_score":-0.12048289095982909},{"text":"Right?","start":904.555,"end":905.055,"sentiment":"neutral","sentiment_score":-0.08194516599178314},{"text":"What tends to happen when these events happen and everything pops up on the news is your soup is kind of growing along nice and steadily.","start":905.35504,"end":912.815,"sentiment":"neutral","sentiment_score":-0.01857266234807097},{"text":"And then once the news kicks off that there's a war and an oil crisis and all this kind of thing and interest rates moving, it tends to go up and down a lot faster.","start":913.10004,"end":921.92004,"sentiment":"neutral","sentiment_score":-0.19320461420076235}],"sentiment":"neutral","sentiment_score":-0.11751345234914022,"channel":0,"num_words":103,"start":893.85,"end":921.92004},{"sentences":[{"text":"So higher highs and lower lows.","start":922.30005,"end":924.80005,"sentiment":"neutral","sentiment_score":-0.11240624139706294}],"sentiment":"neutral","sentiment_score":-0.11240624139706294,"channel":0,"num_words":6,"start":922.30005,"end":924.80005},{"sentences":[{"text":"Yep.","start":925.385,"end":925.885,"sentiment":"neutral","sentiment_score":-0.01865114644169807}],"sentiment":"neutral","sentiment_score":-0.01865114644169807,"channel":1,"num_words":1,"start":925.385,"end":925.885},{"sentences":[{"text":"Now one of the, I guess, the reassuring things is you look at these, like, we call them market cycles.","start":925.395,"end":931.17505,"sentiment":"neutral","sentiment_score":-0.0690589988604188},{"text":"Every seven years, the soft market grows up, and then it crashes.","start":931.955,"end":935.73505,"sentiment":"neutral","sentiment_score":-0.15759903565049171},{"text":"It grows and it crashes.","start":935.79504,"end":936.91504,"sentiment":"neutral","sentiment_score":-0.2300943523645401},{"text":"It grows and it crashes.","start":936.91504,"end":938.03503,"sentiment":"neutral","sentiment_score":-0.22835003733634948},{"text":"And, basically, if you remember, we had the GFC back in 2009.","start":938.03503,"end":942.39,"sentiment":"neutral","sentiment_score":-0.06656458570311467}],"sentiment":"neutral","sentiment_score":-0.11784009966585371,"channel":0,"num_words":54,"start":925.395,"end":942.39},{"sentences":[{"text":"We had","start":942.53,"end":942.93,"sentiment":"neutral","sentiment_score":-0.04468467831611633}],"sentiment":"neutral","sentiment_score":-0.04468467831611633,"channel":0,"num_words":2,"start":942.53,"end":942.93},{"sentences":[{"text":"Yep.","start":942.76,"end":943.065,"sentiment":"neutral","sentiment_score":-0.0602533221244812}],"sentiment":"neutral","sentiment_score":-0.0602533221244812,"channel":1,"num_words":1,"start":942.76,"end":943.065},{"sentences":[{"text":"COVID.","start":942.93,"end":943.43,"sentiment":"neutral","sentiment_score":-0.11791340261697768},{"text":"Now we've got this situation, which could turn into something similar.","start":943.73,"end":946.95,"sentiment":"neutral","sentiment_score":-0.11566444892774928},{"text":"That type of pattern just keeps repeating itself forever.","start":947.65,"end":950.61,"sentiment":"neutral","sentiment_score":-0.17386306160026127},{"text":"Does that make sense?","start":950.61,"end":951.585,"sentiment":"neutral","sentiment_score":-0.011935116723179817}],"sentiment":"neutral","sentiment_score":-0.12010921448469163,"channel":0,"num_words":25,"start":942.93,"end":951.585},{"sentences":[{"text":"Yep.","start":951.865,"end":952.365,"sentiment":"neutral","sentiment_score":0.15699926018714905}],"sentiment":"neutral","sentiment_score":0.15699926018714905,"channel":1,"num_words":1,"start":951.865,"end":952.365},{"sentences":[{"text":"Yep.","start":952.705,"end":953.10504,"sentiment":"neutral","sentiment_score":0.18223141133785248},{"text":"So what tends to happen there is usually, it's okay to kind of use these opportunities as maybe even a bit of a buying opportunity.","start":953.10504,"end":962.16504,"sentiment":"positive","sentiment_score":0.3945757061243057},{"text":"The stock market dips for a little bit.","start":962.465,"end":964.305,"sentiment":"neutral","sentiment_score":0.030838068574666977},{"text":"Your contributions go in.","start":964.305,"end":965.94,"sentiment":"neutral","sentiment_score":0.24834585189819336},{"text":"You can buy","start":966.02,"end":966.66,"sentiment":"positive","sentiment_score":0.3923960030078888}],"sentiment":"neutral","sentiment_score":0.3039975616990066,"channel":0,"num_words":41,"start":952.705,"end":966.66},{"sentences":[{"text":"Yep.","start":966.52,"end":967.02,"sentiment":"positive","sentiment_score":0.37181800603866577}],"sentiment":"positive","sentiment_score":0.37181800603866577,"channel":1,"num_words":1,"start":966.52,"end":967.02},{"sentences":[{"text":"some shares, property gold for a cheaper price.","start":966.66,"end":969.08,"sentiment":"positive","sentiment_score":0.3821541778743267},{"text":"And then when the market bounces back, you get those high double digit returns.","start":969.22003,"end":973.48,"sentiment":"positive","sentiment_score":0.3682274658765112},{"text":"So what tends to happen is your super could go up ten, twenty, 30%.","start":973.7,"end":978.82,"sentiment":"neutral","sentiment_score":0.2726433724164963},{"text":"It could go down 15%.","start":978.82,"end":980.84,"sentiment":"neutral","sentiment_score":0.038861827552318574}],"sentiment":"neutral","sentiment_score":0.2981398608989832,"channel":0,"num_words":41,"start":966.66,"end":980.84},{"sentences":[{"text":"Yep.","start":981.33496,"end":981.75,"sentiment":"neutral","sentiment_score":0.23374700546264648}],"sentiment":"neutral","sentiment_score":0.23374700546264648,"channel":1,"num_words":1,"start":981.33496,"end":981.75},{"sentences":[{"text":"What we're trying to do is average it out at that 10% over a long period of time.","start":981.425,"end":986.245,"sentiment":"neutral","sentiment_score":0.23589681420061323},{"text":"So what that equates to dollar terms for you is because of your income level, let's say your employer is putting in their usual, like, 12%.","start":989.425,"end":998.67,"sentiment":"neutral","sentiment_score":0.20250750247102517},{"text":"You could have 9,000 going in, but because you're sitting at a 178 now, if the market goes up or down 10%, we're talking $20,000 up, $20,000 down.","start":998.81,"end":1010.385,"sentiment":"neutral","sentiment_score":0.20728062465786934},{"text":"So your super is now growing more than what you're putting in in contributions.","start":1010.525,"end":1015.025,"sentiment":"positive","sentiment_score":0.47093511266367777}],"sentiment":"neutral","sentiment_score":0.2547475207856921,"channel":0,"num_words":86,"start":981.425,"end":1015.025},{"sentences":[{"text":"Yes.","start":1016.5,"end":1017.0,"sentiment":"neutral","sentiment_score":0.22078827023506165}],"sentiment":"neutral","sentiment_score":0.22078827023506165,"channel":1,"num_words":1,"start":1016.5,"end":1017.0},{"sentences":[{"text":"So what I wanna check with you is, are you kind of okay to still focus on that kind of long term return while you've still got that twenty years to go?","start":1017.405,"end":1026.95,"sentiment":"neutral","sentiment_score":0.17299381108023226},{"text":"Because we would normally look at protecting it and reducing the risk in the last seven years or so.","start":1027.09,"end":1032.87,"sentiment":"neutral","sentiment_score":0.07640071762235541}],"sentiment":"neutral","sentiment_score":0.13700814881161147,"channel":0,"num_words":51,"start":1017.405,"end":1032.87},{"sentences":[{"text":"Yes.","start":1033.9199,"end":1034.32,"sentiment":"neutral","sentiment_score":0.07224906235933304},{"text":"I've said I could stay with the high risk at the minute and then hope for the best.","start":1034.32,"end":1039.0599,"sentiment":"neutral","sentiment_score":-0.09514212552716748},{"text":"The high risk.","start":1039.28,"end":1040.26,"sentiment":"neutral","sentiment_score":-0.22678197920322418}],"sentiment":"neutral","sentiment_score":-0.10548432430633428,"channel":1,"num_words":22,"start":1033.9199,"end":1040.26},{"sentences":[{"text":"Yeah.","start":1039.825,"end":1040.325,"sentiment":"neutral","sentiment_score":0.021042559295892715},{"text":"And,","start":1040.5449,"end":1040.865,"sentiment":"neutral","sentiment_score":0.05879250168800354}],"sentiment":"neutral","sentiment_score":0.03991753049194813,"channel":0,"num_words":2,"start":1039.825,"end":1040.865},{"sentences":[{"text":"Yep.","start":1040.72,"end":1041.22,"sentiment":"neutral","sentiment_score":0.09126168489456175}],"sentiment":"neutral","sentiment_score":0.09126168489456175,"channel":1,"num_words":1,"start":1040.72,"end":1041.22},{"sentences":[{"text":"look, it's not really even leaving things to chance really because one of the things that people ask me is like, hey.","start":1040.865,"end":1047.02,"sentiment":"neutral","sentiment_score":-0.008732112124562263},{"text":"When the world's on fire, can you just put me in something safer and then put me back in when everything's okay on the news?","start":1047.02,"end":1054.4,"sentiment":"neutral","sentiment_score":-0.00562596544623375},{"text":"And it's just what I've found over my career over the last sort of twelve to thirteen years is no one can time when to do that no matter how good they are, not even Warren Buffett.","start":1054.7,"end":1064.8151,"sentiment":"neutral","sentiment_score":-0.07772519902603046}],"sentiment":"neutral","sentiment_score":-0.038197475795944534,"channel":0,"num_words":84,"start":1040.865,"end":1064.8151},{"sentences":[{"text":"Yep.","start":1065.35,"end":1065.85,"sentiment":"neutral","sentiment_score":-0.005765204783529043}],"sentiment":"neutral","sentiment_score":-0.005765204783529043,"channel":1,"num_words":1,"start":1065.35,"end":1065.85},{"sentences":[{"text":"So what tends to happen is I say this all the time.","start":1065.915,"end":1068.7351,"sentiment":"neutral","sentiment_score":-0.10193920073409875},{"text":"News kicks off with COVID and someone super crashes down.","start":1068.795,"end":1072.495,"sentiment":"negative","sentiment_score":-0.3495566099882126},{"text":"They pull it all out to cash, which is like selling everything, and you","start":1072.555,"end":1076.72,"sentiment":"neutral","sentiment_score":-0.20638802381498472}],"sentiment":"neutral","sentiment_score":-0.21134080116947493,"channel":0,"num_words":36,"start":1065.915,"end":1076.72},{"sentences":[{"text":"Yep.","start":1076.655,"end":1077.155,"sentiment":"neutral","sentiment_score":-0.09086468070745468}],"sentiment":"neutral","sentiment_score":-0.09086468070745468,"channel":1,"num_words":1,"start":1076.655,"end":1077.155},{"sentences":[{"text":"crystallize that loss.","start":1076.72,"end":1077.52,"sentiment":"neutral","sentiment_score":-0.1166280706723531},{"text":"Like, your house goes from $600 to 500.","start":1077.52,"end":1079.94,"sentiment":"neutral","sentiment_score":0.09475378878414631},{"text":"I'm gonna run off and sell that house.","start":1080.0,"end":1081.78,"sentiment":"neutral","sentiment_score":0.05773023935034871},{"text":"And then","start":1082.4,"end":1082.88,"sentiment":"neutral","sentiment_score":0.07861341536045074}],"sentiment":"neutral","sentiment_score":0.04891499256094297,"channel":0,"num_words":21,"start":1076.72,"end":1082.88},{"sentences":[{"text":"Yep.","start":1082.735,"end":1083.235,"sentiment":"neutral","sentiment_score":0.14079168438911438}],"sentiment":"neutral","sentiment_score":0.14079168438911438,"channel":1,"num_words":1,"start":1082.735,"end":1083.235},{"sentences":[{"text":"all of a sudden, six months later, you find out that the house market's back up, and you've got to go back in.","start":1082.88,"end":1087.935,"sentiment":"neutral","sentiment_score":0.12679171853739282}],"sentiment":"neutral","sentiment_score":0.12679171853739282,"channel":0,"num_words":23,"start":1082.88,"end":1087.935},{"sentences":[{"text":"Yep.","start":1088.495,"end":1088.85,"sentiment":"neutral","sentiment_score":0.23139169812202456}],"sentiment":"neutral","sentiment_score":0.23139169812202456,"channel":1,"num_words":1,"start":1088.495,"end":1088.85},{"sentences":[{"text":"So what we tend to say is, like, are you comfortable, like, riding out those waves in the short term?","start":1089.8551,"end":1096.035,"sentiment":"neutral","sentiment_score":0.2238047018647194},{"text":"Let your contributions buy up everything as long as the investments are good.","start":1096.0951,"end":1099.95,"sentiment":"positive","sentiment_score":0.38880235185989964}],"sentiment":"neutral","sentiment_score":0.28880377610524494,"channel":0,"num_words":33,"start":1089.8551,"end":1099.95},{"sentences":[{"text":"Yeah.","start":1100.9299,"end":1101.25,"sentiment":"positive","sentiment_score":0.4863739013671875},{"text":"I'm happy to.","start":1101.25,"end":1102.095,"sentiment":"positive","sentiment_score":0.5229493578275045}],"sentiment":"positive","sentiment_score":0.5138054937124252,"channel":1,"num_words":4,"start":1100.9299,"end":1102.095},{"sentences":[{"text":"K?","start":1102.6699,"end":1103.1699,"sentiment":"neutral","sentiment_score":0.2721215486526489},{"text":"Now I'm not trying to be irresponsible with your super not trying to sit there and say, hey, mate.","start":1103.7899,"end":1107.3099,"sentiment":"neutral","sentiment_score":-0.12232907253660653},{"text":"Yeah.","start":1107.3099,"end":1107.47,"sentiment":"neutral","sentiment_score":-0.08231987059116364},{"text":"Let it crash down to $90,000 or something silly like that.","start":1107.47,"end":1110.75,"sentiment":"neutral","sentiment_score":-0.17138405415144833},{"text":"But it's just making sure that what you're in over time is gonna get you what you need.","start":1110.75,"end":1115.175,"sentiment":"neutral","sentiment_score":0.16286033102207714}],"sentiment":"neutral","sentiment_score":-0.02176378674805164,"channel":0,"num_words":50,"start":1102.6699,"end":1115.175},{"sentences":[{"text":"Yep.","start":1115.775,"end":1116.15,"sentiment":"neutral","sentiment_score":0.18924354016780853}],"sentiment":"neutral","sentiment_score":0.18924354016780853,"channel":1,"num_words":1,"start":1115.775,"end":1116.15},{"sentences":[{"text":"Now one thing that I can see here, which is the only worry that I've currently got, you've got about eight different investment options.","start":1116.935,"end":1124.875,"sentiment":"neutral","sentiment_score":0.12630504618088403},{"text":"So some of it's in gold, American shares, Australian shares, property.","start":1125.015,"end":1129.9299,"sentiment":"neutral","sentiment_score":0.15389450233091007},{"text":"Most everything's done very, very, very well.","start":1130.23,"end":1132.6499,"sentiment":"positive","sentiment_score":0.6474079830305917},{"text":"That's how you've gotten that 15% return.","start":1132.7899,"end":1135.2899,"sentiment":"positive","sentiment_score":0.5309906303882599},{"text":"Are you able to see that report that I've sent you through, or should I kind of just run you through what's in there?","start":1136.23,"end":1142.97,"sentiment":"neutral","sentiment_score":0.07108603278174996}],"sentiment":"neutral","sentiment_score":0.20108240705034505,"channel":0,"num_words":73,"start":1116.935,"end":1142.97},{"sentences":[{"text":"Which one's that one?","start":1146.18,"end":1147.06,"sentiment":"neutral","sentiment_score":-0.003617486101575196},{"text":"Is that the tub one?","start":1147.06,"end":1149.64,"sentiment":"neutral","sentiment_score":-0.0019944528117775916}],"sentiment":"neutral","sentiment_score":-0.002715800940576527,"channel":1,"num_words":9,"start":1146.18,"end":1149.64},{"sentences":[{"text":"Yeah.","start":1150.115,"end":1150.5149,"sentiment":"neutral","sentiment_score":0.018894493579864505},{"text":"There's a hub one there, and it's a twelve month performance.","start":1150.5149,"end":1153.735,"sentiment":"neutral","sentiment_score":0.025285632942210545},{"text":"And it's basically just got a big silly looking table with a whole","start":1154.115,"end":1158.15,"sentiment":"neutral","sentiment_score":-0.059300477258287944}],"sentiment":"neutral","sentiment_score":-0.01895478993654251,"channel":0,"num_words":25,"start":1150.115,"end":1158.15},{"sentences":[{"text":"Yep.","start":1157.955,"end":1158.455,"sentiment":"neutral","sentiment_score":-0.054653801023960114}],"sentiment":"neutral","sentiment_score":-0.054653801023960114,"channel":1,"num_words":1,"start":1157.955,"end":1158.455},{"sentences":[{"text":"bunch of numbers all over it.","start":1158.15,"end":1159.69,"sentiment":"neutral","sentiment_score":-0.0649358748147885}],"sentiment":"neutral","sentiment_score":-0.0649358748147885,"channel":0,"num_words":6,"start":1158.15,"end":1159.69},{"sentences":[{"text":"Mhmm.","start":1159.715,"end":1160.215,"sentiment":"neutral","sentiment_score":-0.0080269118770957},{"text":"I can see","start":1160.5149,"end":1160.995,"sentiment":"neutral","sentiment_score":-0.007137164783974488}],"sentiment":"neutral","sentiment_score":-0.007359601557254791,"channel":1,"num_words":4,"start":1159.715,"end":1160.995},{"sentences":[{"text":"So","start":1160.95,"end":1161.45,"sentiment":"neutral","sentiment_score":-0.00965617038309574}],"sentiment":"neutral","sentiment_score":-0.00965617038309574,"channel":0,"num_words":1,"start":1160.95,"end":1161.45},{"sentences":[{"text":"that.","start":1160.995,"end":1161.1549,"sentiment":"neutral","sentiment_score":-0.009084106422960758},{"text":"Yep.","start":1161.1549,"end":1161.6549,"sentiment":"neutral","sentiment_score":0.01609041914343834}],"sentiment":"neutral","sentiment_score":0.0035031563602387905,"channel":1,"num_words":2,"start":1160.995,"end":1161.6549},{"sentences":[{"text":"I'm gonna pull this up.","start":1162.07,"end":1163.19,"sentiment":"neutral","sentiment_score":0.004872073605656624},{"text":"Just give me one quick sec.","start":1163.19,"end":1164.89,"sentiment":"neutral","sentiment_score":0.008646280815203985},{"text":"So I pulled out about seven reports from your super fund, and I'm just trying to let it load.","start":1166.07,"end":1170.17,"sentiment":"neutral","sentiment_score":0.005387351799168084}],"sentiment":"neutral","sentiment_score":0.005953257903456688,"channel":0,"num_words":30,"start":1162.07,"end":1170.17},{"sentences":[{"text":"Yeah.","start":1170.61,"end":1171.11,"sentiment":"neutral","sentiment_score":-0.026788678020238876}],"sentiment":"neutral","sentiment_score":-0.026788678020238876,"channel":1,"num_words":1,"start":1170.61,"end":1171.11},{"sentences":[{"text":"Here we go.","start":1172.605,"end":1173.505,"sentiment":"neutral","sentiment_score":-0.04561180000503858},{"text":"It seems to be crashing.","start":1176.8451,"end":1178.045,"sentiment":"negative","sentiment_score":-0.36688589453697207},{"text":"Bear with me for two seconds, mate.","start":1178.045,"end":1179.885,"sentiment":"neutral","sentiment_score":-0.2665521821805409},{"text":"There.","start":1179.885,"end":1180.125,"sentiment":"neutral","sentiment_score":-0.1127326637506485},{"text":"Gotcha.","start":1180.125,"end":1180.625,"sentiment":"neutral","sentiment_score":-0.0648612529039383}],"sentiment":"neutral","sentiment_score":-0.236160239095197,"channel":0,"num_words":17,"start":1172.605,"end":1180.625},{"sentences":[{"text":"And left.","start":1180.345,"end":1180.9249,"sentiment":"neutral","sentiment_score":-0.015044663101434708}],"sentiment":"neutral","sentiment_score":-0.015044663101434708,"channel":1,"num_words":2,"start":1180.345,"end":1180.9249},{"sentences":[{"text":"K.","start":1182.2051,"end":1182.685,"sentiment":"neutral","sentiment_score":0.005350238643586636},{"text":"So the total portfolio return, 15 and a half percent after fees.","start":1182.685,"end":1187.05,"sentiment":"neutral","sentiment_score":0.09632798035939534},{"text":"That's great.","start":1187.05,"end":1187.87,"sentiment":"positive","sentiment_score":0.6623992621898651},{"text":"Most of the ones, if you can see that table, it should have a whole bunch of codes on it.","start":1188.5701,"end":1193.37,"sentiment":"neutral","sentiment_score":0.22557273399434052},{"text":"Like, the left hand column, it says b h y b and","start":1193.37,"end":1197.2101,"sentiment":"neutral","sentiment_score":0.024751184042543173}],"sentiment":"neutral","sentiment_score":0.1552032641645402,"channel":0,"num_words":47,"start":1182.2051,"end":1197.2101},{"sentences":[{"text":"Yep.","start":1197.1599,"end":1197.6599,"sentiment":"neutral","sentiment_score":0.02902133017778397}],"sentiment":"neutral","sentiment_score":0.02902133017778397,"channel":1,"num_words":1,"start":1197.1599,"end":1197.6599},{"sentences":[{"text":"hack.","start":1197.2101,"end":1197.7101,"sentiment":"neutral","sentiment_score":0.01813967525959015},{"text":"Can you see all that?","start":1198.155,"end":1199.295,"sentiment":"neutral","sentiment_score":0.03617467433214187}],"sentiment":"neutral","sentiment_score":0.033168841153383255,"channel":0,"num_words":6,"start":1197.2101,"end":1199.295},{"sentences":[{"text":"Yep.","start":1199.08,"end":1199.32,"sentiment":"neutral","sentiment_score":0.11353045701980592},{"text":"Again.","start":1199.32,"end":1199.82,"sentiment":"neutral","sentiment_score":0.27403759956359863}],"sentiment":"neutral","sentiment_score":0.19378402829170227,"channel":1,"num_words":2,"start":1199.08,"end":1199.82},{"sentences":[{"text":"Cool.","start":1200.635,"end":1201.135,"sentiment":"positive","sentiment_score":0.5357818603515625}],"sentiment":"positive","sentiment_score":0.5357818603515625,"channel":0,"num_words":1,"start":1200.635,"end":1201.135},{"sentences":[{"text":"Yep.","start":1200.76,"end":1201.26,"sentiment":"neutral","sentiment_score":0.2357645034790039}],"sentiment":"neutral","sentiment_score":0.2357645034790039,"channel":1,"num_words":1,"start":1200.76,"end":1201.26},{"sentences":[{"text":"Right hand side, you can see the returns in percentage","start":1201.355,"end":1205.115,"sentiment":"neutral","sentiment_score":0.15047097876667975}],"sentiment":"neutral","sentiment_score":0.15047097876667975,"channel":0,"num_words":10,"start":1201.355,"end":1205.115},{"sentences":[{"text":"Yep.","start":1204.6799,"end":1204.935,"sentiment":"neutral","sentiment_score":0.15133969485759735}],"sentiment":"neutral","sentiment_score":0.15133969485759735,"channel":1,"num_words":1,"start":1204.6799,"end":1204.935},{"sentences":[{"text":"terms.","start":1205.115,"end":1205.515,"sentiment":"neutral","sentiment_score":0.1784767210483551},{"text":"So if you look in the middle, you can see most of your funds sitting there at 22%, 13, a 100%, 33.","start":1205.515,"end":1212.0751,"sentiment":"neutral","sentiment_score":0.3209024877710776},{"text":"Like, the growth is just insane.","start":1212.0751,"end":1213.6951,"sentiment":"positive","sentiment_score":0.5519706805547079}],"sentiment":"positive","sentiment_score":0.36379846673587274,"channel":0,"num_words":29,"start":1205.115,"end":1213.6951},{"sentences":[{"text":"Yep.","start":1214.055,"end":1214.555,"sentiment":"neutral","sentiment_score":0.15698561072349548}],"sentiment":"neutral","sentiment_score":0.15698561072349548,"channel":1,"num_words":1,"start":1214.055,"end":1214.555},{"sentences":[{"text":"The only one that's underperformed is the Australian shares at the top.","start":1215.37,"end":1218.89,"sentiment":"neutral","sentiment_score":-0.06530346162617207},{"text":"See the Bennelong one?","start":1218.89,"end":1220.27,"sentiment":"neutral","sentiment_score":0.009560723789036274}],"sentiment":"neutral","sentiment_score":-0.04658741527236998,"channel":0,"num_words":16,"start":1215.37,"end":1220.27},{"sentences":[{"text":"Yep.","start":1221.2699,"end":1221.7699,"sentiment":"neutral","sentiment_score":-0.011398694477975368}],"sentiment":"neutral","sentiment_score":-0.011398694477975368,"channel":1,"num_words":1,"start":1221.2699,"end":1221.7699},{"sentences":[{"text":"So that one's gone down about eight or 9%, whereas the market's only gone down about six.","start":1222.25,"end":1227.71,"sentiment":"neutral","sentiment_score":-0.21431050098994198},{"text":"So it's kind of underperforming a little bit compared to everybody else in that Australian shares.","start":1228.085,"end":1234.425,"sentiment":"negative","sentiment_score":-0.3575552608817816}],"sentiment":"neutral","sentiment_score":-0.28376250578598544,"channel":0,"num_words":33,"start":1222.25,"end":1234.425},{"sentences":[{"text":"Yep.","start":1234.8451,"end":1235.3451,"sentiment":"neutral","sentiment_score":-0.020226189866662025}],"sentiment":"neutral","sentiment_score":-0.020226189866662025,"channel":1,"num_words":1,"start":1234.8451,"end":1235.3451},{"sentences":[{"text":"So what I'm basically telling you is everything's above average.","start":1235.765,"end":1240.825,"sentiment":"neutral","sentiment_score":0.07207201868295669},{"text":"You're getting the target.","start":1241.37,"end":1242.57,"sentiment":"neutral","sentiment_score":0.1449824720621109},{"text":"Everything's performed well, but that one option has been underperforming for a little while.","start":1242.57,"end":1247.07,"sentiment":"neutral","sentiment_score":-0.21595013354505813},{"text":"I would probably look at switching that out.","start":1247.29,"end":1249.55,"sentiment":"neutral","sentiment_score":-0.19145688973367214}],"sentiment":"neutral","sentiment_score":-0.09039741423394945,"channel":0,"num_words":36,"start":1235.765,"end":1249.55},{"sentences":[{"text":"Yes.","start":1250.22,"end":1250.72,"sentiment":"neutral","sentiment_score":0.04071845859289169}],"sentiment":"neutral","sentiment_score":0.04071845859289169,"channel":1,"num_words":1,"start":1250.22,"end":1250.72},{"sentences":[{"text":"Now one question I do have for you, and, again, I'm gonna make a recommendation for you, but I just wanna get your gut feeling on this.","start":1251.6901,"end":1258.085,"sentiment":"neutral","sentiment_score":0.08415255792163036},{"text":"If you had to pick between low fees and it just follows the market closely or you pay some slightly higher investment fees to try and get a better return, which way do you lean?","start":1258.465,"end":1270.465,"sentiment":"neutral","sentiment_score":-0.006901934849364417},{"text":"Which way is your gut telling you to go?","start":1270.465,"end":1272.36,"sentiment":"neutral","sentiment_score":0.02367233257326815}],"sentiment":"neutral","sentiment_score":0.03160003291993913,"channel":0,"num_words":71,"start":1251.6901,"end":1272.36},{"sentences":[{"text":"Yeah.","start":1276.01,"end":1276.4099,"sentiment":"neutral","sentiment_score":-0.03510429337620735},{"text":"I'm not sure that's a question that always gets me.","start":1276.4099,"end":1279.87,"sentiment":"neutral","sentiment_score":-0.1060909502208233}],"sentiment":"neutral","sentiment_score":-0.09963761778040366,"channel":1,"num_words":11,"start":1276.01,"end":1279.87},{"sentences":[{"text":"No.","start":1280.28,"end":1280.52,"sentiment":"neutral","sentiment_score":-0.13477739691734314},{"text":"That's fine.","start":1280.52,"end":1281.24,"sentiment":"neutral","sentiment_score":-0.011241113767027855},{"text":"You're currently in a mix of both.","start":1281.24,"end":1284.54,"sentiment":"neutral","sentiment_score":-0.004065029855285372},{"text":"So we've got you in a mix where most of your money is in low fee investments,","start":1284.675,"end":1288.6951,"sentiment":"neutral","sentiment_score":0.061113998074741924}],"sentiment":"neutral","sentiment_score":0.0316008568086006,"channel":0,"num_words":27,"start":1280.28,"end":1288.6951},{"sentences":[{"text":"Bye.","start":1288.825,"end":1289.145,"sentiment":"neutral","sentiment_score":0.07729626446962357}],"sentiment":"neutral","sentiment_score":0.07729626446962357,"channel":1,"num_words":1,"start":1288.825,"end":1289.145},{"sentences":[{"text":"and","start":1289.0751,"end":1289.3151,"sentiment":"neutral","sentiment_score":0.05992385745048523}],"sentiment":"neutral","sentiment_score":0.05992385745048523,"channel":0,"num_words":1,"start":1289.0751,"end":1289.3151},{"sentences":[{"text":"Yep.","start":1289.145,"end":1289.645,"sentiment":"neutral","sentiment_score":0.059510231018066406}],"sentiment":"neutral","sentiment_score":0.059510231018066406,"channel":1,"num_words":1,"start":1289.145,"end":1289.645},{"sentences":[{"text":"a couple of little satellite options where we've got small amounts is in the active side that pays a little bit higher to try and get a little bit more.","start":1289.3151,"end":1297.395,"sentiment":"neutral","sentiment_score":0.05275982183714708},{"text":"They're kinda like sled dogs that pull you along a little bit quicker.","start":1297.395,"end":1300.27,"sentiment":"neutral","sentiment_score":0.10098743438720703},{"text":"Does that make sense?","start":1300.27,"end":1301.45,"sentiment":"neutral","sentiment_score":0.0768149197101593}],"sentiment":"neutral","sentiment_score":0.06814661661678172,"channel":0,"num_words":47,"start":1289.3151,"end":1301.45},{"sentences":[{"text":"Yep.","start":1301.64,"end":1302.14,"sentiment":"neutral","sentiment_score":0.125288188457489}],"sentiment":"neutral","sentiment_score":0.125288188457489,"channel":1,"num_words":1,"start":1301.64,"end":1302.14},{"sentences":[{"text":"So if you're comfortable with that style and things are going well and it's on track, I can keep with the same style.","start":1302.47,"end":1309.05,"sentiment":"neutral","sentiment_score":0.2665968057901963},{"text":"I can just switch that one option out for something that's a bit better like for like.","start":1309.19,"end":1313.35,"sentiment":"neutral","sentiment_score":0.08777191972031313},{"text":"So same style, but better performance.","start":1313.35,"end":1315.53,"sentiment":"neutral","sentiment_score":0.09046991790334384}],"sentiment":"neutral","sentiment_score":0.17753627556173698,"channel":0,"num_words":46,"start":1302.47,"end":1315.53},{"sentences":[{"text":"Yeah.","start":1317.095,"end":1317.335,"sentiment":"positive","sentiment_score":0.4905708730220794},{"text":"I'll be happy with that, I reckon.","start":1317.335,"end":1318.59,"sentiment":"positive","sentiment_score":0.7238692726407733}],"sentiment":"positive","sentiment_score":0.6947069726884365,"channel":1,"num_words":8,"start":1317.095,"end":1318.59},{"sentences":[{"text":"Cool.","start":1319.265,"end":1319.745,"sentiment":"positive","sentiment_score":0.5647892951965332},{"text":"So what I've gotta do in that case is we do a little bit of research.","start":1319.745,"end":1323.8251,"sentiment":"neutral","sentiment_score":0.16785745695233345},{"text":"We've got about two or three funds that we've been looking at recently.","start":1323.8251,"end":1326.885,"sentiment":"neutral","sentiment_score":0.08163650849690804},{"text":"I will do the comparisons up and update your statement of advice, which has all of your figures and goals and everything in it, and then we'll run through that together, make sure you're happy with what I'm thinking we should change.","start":1327.265,"end":1338.9,"sentiment":"neutral","sentiment_score":0.15698841923759096},{"text":"And if you're good to go on that, I can switch it around a little bit.","start":1338.9,"end":1342.515,"sentiment":"neutral","sentiment_score":0.09126719809137285}],"sentiment":"neutral","sentiment_score":0.14051786357198248,"channel":0,"num_words":88,"start":1319.265,"end":1342.515},{"sentences":[{"text":"Yep.","start":1342.605,"end":1343.085,"sentiment":"neutral","sentiment_score":0.09907355159521104},{"text":"Yep.","start":1343.085,"end":1343.585,"sentiment":"neutral","sentiment_score":0.11829563230276108},{"text":"Yeah.","start":1344.3501,"end":1344.51,"sentiment":"neutral","sentiment_score":0.2475062906742096}],"sentiment":"neutral","sentiment_score":0.15495849152406058,"channel":1,"num_words":3,"start":1342.605,"end":1344.51},{"sentences":[{"text":"Cool.","start":1344.435,"end":1344.935,"sentiment":"positive","sentiment_score":0.4236118197441101}],"sentiment":"positive","sentiment_score":0.4236118197441101,"channel":0,"num_words":1,"start":1344.435,"end":1344.935},{"sentences":[{"text":"Now we're sounds good.","start":1344.51,"end":1346.13,"sentiment":"positive","sentiment_score":0.3871835246682167}],"sentiment":"positive","sentiment_score":0.3871835246682167,"channel":1,"num_words":4,"start":1344.51,"end":1346.13},{"sentences":[{"text":"Outside of that, again, there's been no, like, major changes in terms of fees or features for the superfund, so there doesn't seem to be much of a reason to look at changing superfunds.","start":1347.235,"end":1357.975,"sentiment":"neutral","sentiment_score":0.025049429496421534},{"text":"Again,","start":1358.9601,"end":1359.2001,"sentiment":"neutral","sentiment_score":0.05515627935528755}],"sentiment":"neutral","sentiment_score":0.02590962520667485,"channel":0,"num_words":35,"start":1347.235,"end":1359.2001},{"sentences":[{"text":"Yep.","start":1358.99,"end":1359.315,"sentiment":"neutral","sentiment_score":0.1109645813703537}],"sentiment":"neutral","sentiment_score":0.1109645813703537,"channel":1,"num_words":1,"start":1358.99,"end":1359.315},{"sentences":[{"text":"it's more just about the portfolio under the hood.","start":1359.2001,"end":1362.64,"sentiment":"neutral","sentiment_score":0.11996946897771624},{"text":"Just bit of an engine tune, I would say.","start":1362.64,"end":1364.9,"sentiment":"neutral","sentiment_score":0.09032879273096721}],"sentiment":"neutral","sentiment_score":0.10514913085434172,"channel":0,"num_words":18,"start":1359.2001,"end":1364.9},{"sentences":[{"text":"Yep.","start":1365.235,"end":1365.735,"sentiment":"neutral","sentiment_score":0.06257970631122589}],"sentiment":"neutral","sentiment_score":0.06257970631122589,"channel":1,"num_words":1,"start":1365.235,"end":1365.735},{"sentences":[{"text":"K?","start":1366.56,"end":1367.06,"sentiment":"neutral","sentiment_score":0.04268801212310791},{"text":"One thing in terms of, like, contributions and everything is now that they've changed the legislation, your employer is about to start putting it in every pay rather than, like, on a quarterly basis.","start":1368.48,"end":1379.7749,"sentiment":"neutral","sentiment_score":0.0767853898818002}],"sentiment":"neutral","sentiment_score":0.07581117908869471,"channel":0,"num_words":35,"start":1366.56,"end":1379.7749},{"sentences":[{"text":"Yep.","start":1380.45,"end":1380.95,"sentiment":"neutral","sentiment_score":0.19257131218910217}],"sentiment":"neutral","sentiment_score":0.19257131218910217,"channel":1,"num_words":1,"start":1380.45,"end":1380.95},{"sentences":[{"text":"So your contribution is gonna be coming in a lot more frequently, and they're gonna buy in a lot more frequently, which is really good for you.","start":1381.355,"end":1388.475,"sentiment":"positive","sentiment_score":0.44530502182466014},{"text":"It basically means that rather than waiting three months and missing an opportunity, if it's coming in every week, you get to buy every single week.","start":1388.475,"end":1396.4401,"sentiment":"neutral","sentiment_score":0.25734594464302063}],"sentiment":"positive","sentiment_score":0.3530986820751766,"channel":0,"num_words":53,"start":1381.355,"end":1396.4401},{"sentences":[{"text":"Yep.","start":1397.025,"end":1397.34,"sentiment":"neutral","sentiment_score":0.27099061012268066}],"sentiment":"neutral","sentiment_score":0.27099061012268066,"channel":1,"num_words":1,"start":1397.025,"end":1397.34},{"sentences":[{"text":"So we call that dollar cost averaging.","start":1397.78,"end":1399.4601,"sentiment":"positive","sentiment_score":0.3476537380899702},{"text":"That's gonna be really good for everybody super.","start":1399.4601,"end":1401.56,"sentiment":"positive","sentiment_score":0.6583986505866051},{"text":"I am actually personally quite excited for that myself.","start":1402.18,"end":1405.16,"sentiment":"positive","sentiment_score":0.7136993871794807}],"sentiment":"positive","sentiment_score":0.5885024939974149,"channel":0,"num_words":24,"start":1397.78,"end":1405.16},{"sentences":[{"text":"Yep.","start":1406.86,"end":1407.36,"sentiment":"neutral","sentiment_score":0.2675340175628662}],"sentiment":"neutral","sentiment_score":0.2675340175628662,"channel":1,"num_words":1,"start":1406.86,"end":1407.36},{"sentences":[{"text":"Now in terms of that $90,000 income that you have, I'm basing everything off what your employer puts in.","start":1407.3451,"end":1415.045,"sentiment":"neutral","sentiment_score":0.1884308986757931},{"text":"Are you looking to do any, like, salary sacrifice at the moment?","start":1415.9851,"end":1419.27,"sentiment":"neutral","sentiment_score":0.045060399609307446},{"text":"Are you wanting to put $50 a week into your super, get a bit of a tax deduction for it, or are you trying to focus your cash flow on, say, the 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all just goes into savings.","start":1556.0701,"end":1557.5049,"sentiment":"neutral","sentiment_score":0.16070917434990406},{"text":"Are you are you making, like, actual extra repayments, or do you guys use, like, an offset account?","start":1557.5049,"end":1562.365,"sentiment":"neutral","sentiment_score":0.01408193570872148}],"sentiment":"neutral","sentiment_score":0.050738745369017124,"channel":0,"num_words":24,"start":1556.0701,"end":1562.365},{"sentences":[{"text":"We've got the offset accounts as well.","start":1562.8201,"end":1565.2401,"sentiment":"neutral","sentiment_score":0.08496866588081632},{"text":"And then, yeah, 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too.","start":1733.12,"end":1741.06,"sentiment":"neutral","sentiment_score":0.22137511568143964},{"text":"Or, again, you can borrow, get an investment property.","start":1741.2001,"end":1744.3401,"sentiment":"neutral","sentiment_score":0.10177315688795513},{"text":"Really up","start":1744.915,"end":1745.395,"sentiment":"neutral","sentiment_score":0.10494179651141167}],"sentiment":"neutral","sentiment_score":0.2196418025383824,"channel":0,"num_words":76,"start":1724.325,"end":1745.395},{"sentences":[{"text":"Yep.","start":1745.295,"end":1745.795,"sentiment":"neutral","sentiment_score":0.17917099595069885}],"sentiment":"neutral","sentiment_score":0.17917099595069885,"channel":1,"num_words":1,"start":1745.295,"end":1745.795},{"sentences":[{"text":"to you 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one thing I did see is on your hub account, we don't have your beneficiary up to date.","start":1751.475,"end":1758.055,"sentiment":"neutral","sentiment_score":0.027587059493127623}],"sentiment":"neutral","sentiment_score":0.03979196269065142,"channel":0,"num_words":20,"start":1750.515,"end":1758.055},{"sentences":[{"text":"Yep.","start":1759.49,"end":1759.99,"sentiment":"neutral","sentiment_score":0.06018241494894028}],"sentiment":"neutral","sentiment_score":0.06018241494894028,"channel":1,"num_words":1,"start":1759.49,"end":1759.99},{"sentences":[{"text":"Were you still wanting to nominate your partner to receive the 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gonna double check that that's on your insurance policy.","start":1943.8301,"end":1947.6901,"sentiment":"neutral","sentiment_score":0.15076589360833167}],"sentiment":"neutral","sentiment_score":0.2323807142674923,"channel":0,"num_words":14,"start":1940.79,"end":1947.6901},{"sentences":[{"text":"Just bear with me for a second because I had your, like, your life insurance open just before, and I wanna make sure that's there as well.","start":1948.31,"end":1956.135,"sentiment":"neutral","sentiment_score":0.09120953814299018},{"text":"So I'll double check both.","start":1956.135,"end":1957.515,"sentiment":"neutral","sentiment_score":0.0581937700510025},{"text":"So what may come out to you is either a hub beneficiary or the hub and the insurance.","start":1957.6549,"end":1963.335,"sentiment":"neutral","sentiment_score":0.05891716335382727},{"text":"It'll have a cover letter with some 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yeah.","start":2131.63,"end":2132.2698,"sentiment":"neutral","sentiment_score":-0.021471593528985977},{"text":"You're well, if you get rid of the mortgage and whatnot, you'd probably don't need as much.","start":2132.2698,"end":2138.0452,"sentiment":"neutral","sentiment_score":-0.09161272250554141}],"sentiment":"neutral","sentiment_score":-0.06338821017804246,"channel":1,"num_words":24,"start":2129.63,"end":2138.0452},{"sentences":[{"text":"Yeah.","start":2138.86,"end":2139.34,"sentiment":"neutral","sentiment_score":-0.021589625626802444},{"text":"One of the things too is, let's say you're sitting there with 900,000 and you can never work again.","start":2139.34,"end":2147.2449,"sentiment":"neutral","sentiment_score":-0.07336483444822461},{"text":"You can invest that and live off the growth of it as well.","start":2147.305,"end":2152.045,"sentiment":"neutral","sentiment_score":0.08666100209722152},{"text":"So that 900,000, that can last like as if you had a million dollars of super and you were retired.","start":2152.105,"end":2158.54,"sentiment":"neutral","sentiment_score":0.03495097421109676}],"sentiment":"neutral","sentiment_score":0.007737566629108393,"channel":0,"num_words":53,"start":2138.86,"end":2158.54},{"sentences":[{"text":"Yep.","start":2159.28,"end":2159.78,"sentiment":"neutral","sentiment_score":-0.0007159896194934845}],"sentiment":"neutral","sentiment_score":-0.0007159896194934845,"channel":1,"num_words":1,"start":2159.28,"end":2159.78},{"sentences":[{"text":"So at the moment, I don't see any major issues in terms of, like, the cost of the life insurance.","start":2160.6802,"end":2166.36,"sentiment":"neutral","sentiment_score":-0.14248643442988396},{"text":"Like, it's $600 for the TPD a year at a super.","start":2166.36,"end":2170.62,"sentiment":"neutral","sentiment_score":-0.05571573854170062},{"text":"It's it's not really hurting the super too much in terms of cost and premiums, if that makes sense.","start":2171.515,"end":2176.095,"sentiment":"neutral","sentiment_score":0.05132885551766345}],"sentiment":"neutral","sentiment_score":-0.04974707115441561,"channel":0,"num_words":50,"start":2160.6802,"end":2176.095},{"sentences":[{"text":"Yep.","start":2176.51,"end":2177.01,"sentiment":"neutral","sentiment_score":0.1293091177940369}],"sentiment":"neutral","sentiment_score":0.1293091177940369,"channel":1,"num_words":1,"start":2176.51,"end":2177.01},{"sentences":[{"text":"But one of the things I was thinking is over time as you pay down your mortgage, you can trim it down because it gets more expensive when you get older.","start":2177.355,"end":2184.095,"sentiment":"neutral","sentiment_score":0.01582208876648257},{"text":"And","start":2184.43,"end":2184.75,"sentiment":"neutral","sentiment_score":0.02345004305243492}],"sentiment":"neutral","sentiment_score":0.01606046233791858,"channel":0,"num_words":32,"start":2177.355,"end":2184.75},{"sentences":[{"text":"Yeah.","start":2184.59,"end":2184.735,"sentiment":"neutral","sentiment_score":0.021061226725578308}],"sentiment":"neutral","sentiment_score":0.021061226725578308,"channel":1,"num_words":1,"start":2184.59,"end":2184.735},{"sentences":[{"text":"if you don't have a mortgage anymore, well, then maybe you don't need a million dollars anymore.","start":2184.75,"end":2188.77,"sentiment":"neutral","sentiment_score":-0.023159450221368495}],"sentiment":"neutral","sentiment_score":-0.023159450221368495,"channel":0,"num_words":17,"start":2184.75,"end":2188.77},{"sentences":[{"text":"Yeah.","start":2189.695,"end":2190.0952,"sentiment":"neutral","sentiment_score":0.06974577903747559},{"text":"Yep.","start":2190.0952,"end":2190.5752,"sentiment":"neutral","sentiment_score":0.093598872423172},{"text":"Correct.","start":2190.5752,"end":2191.0752,"sentiment":"neutral","sentiment_score":0.1310437023639679}],"sentiment":"neutral","sentiment_score":0.09812945127487183,"channel":1,"num_words":3,"start":2189.695,"end":2191.0752},{"sentences":[{"text":"So at the moment, if it's not hurting the super too much, are you okay to leave that amount of cover for now, and then we'll sort of see how it looks in twelve months?","start":2191.71,"end":2199.33,"sentiment":"neutral","sentiment_score":0.03367305038762944}],"sentiment":"neutral","sentiment_score":0.03367305038762944,"channel":0,"num_words":35,"start":2191.71,"end":2199.33},{"sentences":[{"text":"Yeah.","start":2200.08,"end":2200.32,"sentiment":"neutral","sentiment_score":0.3094055652618408},{"text":"I'm happy with that.","start":2200.32,"end":2201.12,"sentiment":"positive","sentiment_score":0.5803542733192444},{"text":"Okay.","start":2201.12,"end":2201.62,"sentiment":"positive","sentiment_score":0.5322304368019104}],"sentiment":"positive","sentiment_score":0.5271755158901215,"channel":1,"num_words":6,"start":2200.08,"end":2201.62},{"sentences":[{"text":"Perfect.","start":2202.5352,"end":2203.0352,"sentiment":"positive","sentiment_score":0.7237964272499084},{"text":"Lucky last thing is you do have income protection as well.","start":2203.895,"end":2207.2751,"sentiment":"positive","sentiment_score":0.49592366543683136}],"sentiment":"positive","sentiment_score":0.5149130622545878,"channel":0,"num_words":12,"start":2202.5352,"end":2207.2751},{"sentences":[{"text":"Yep.","start":2207.6802,"end":2208.1802,"sentiment":"neutral","sentiment_score":0.12052318453788756}],"sentiment":"neutral","sentiment_score":0.12052318453788756,"channel":1,"num_words":1,"start":2207.6802,"end":2208.1802},{"sentences":[{"text":"So if you're out of work for more than ninety days, that will kick in 5,100 a month worth of income replacement all the way up to the age of 65.","start":2207.895,"end":2218.0698,"sentiment":"neutral","sentiment_score":0.08062338486554162},{"text":"So what that's basically saying is that you've got enough savings to last a couple of months if you were out of work.","start":2218.0698,"end":2223.93,"sentiment":"neutral","sentiment_score":0.1010789213621098}],"sentiment":"neutral","sentiment_score":0.08933592818815399,"channel":0,"num_words":54,"start":2207.895,"end":2223.93},{"sentences":[{"text":"Yes.","start":2224.655,"end":2224.95,"sentiment":"neutral","sentiment_score":0.14187484979629517}],"sentiment":"neutral","sentiment_score":0.14187484979629517,"channel":1,"num_words":1,"start":2224.655,"end":2224.95},{"sentences":[{"text":"Would you guys be able to get by for a couple of months?","start":2226.565,"end":2229.225,"sentiment":"neutral","sentiment_score":0.1173208631001986},{"text":"Her income, bit of the savings, and offset until that cover kicks in.","start":2230.165,"end":2234.745,"sentiment":"neutral","sentiment_score":0.07565078798394936}],"sentiment":"neutral","sentiment_score":0.09648582554207398,"channel":0,"num_words":26,"start":2226.565,"end":2234.745},{"sentences":[{"text":"Yeah.","start":2235.19,"end":2235.51,"sentiment":"neutral","sentiment_score":0.1579609513282776},{"text":"I think so.","start":2235.51,"end":2236.31,"sentiment":"neutral","sentiment_score":0.1910271147886912},{"text":"Yep.","start":2236.31,"end":2236.81,"sentiment":"neutral","sentiment_score":0.12875039875507355}],"sentiment":"neutral","sentiment_score":0.17195853888988494,"channel":1,"num_words":5,"start":2235.19,"end":2236.81},{"sentences":[{"text":"K.","start":2236.885,"end":2237.385,"sentiment":"neutral","sentiment_score":0.07792479544878006},{"text":"Again, we can always shorten the waiting period.","start":2237.445,"end":2239.5251,"sentiment":"neutral","sentiment_score":0.09835855290293694},{"text":"It does make it more expensive, so I was wanting to run it by you.","start":2239.5251,"end":2242.53,"sentiment":"neutral","sentiment_score":0.06221990585327149},{"text":"Now when I've got your income there, if I look at that, the maximum is 70%.","start":2245.15,"end":2250.93,"sentiment":"neutral","sentiment_score":0.09189862059429288},{"text":"And if I work that back, that is 5,250.","start":2251.55,"end":2255.785,"sentiment":"neutral","sentiment_score":0.06456716896759139}],"sentiment":"neutral","sentiment_score":0.07856273993241544,"channel":0,"num_words":49,"start":2236.885,"end":2255.785},{"sentences":[{"text":"So technically speaking, you're a tiny bit underinsured for your income.","start":2255.845,"end":2259.7048,"sentiment":"neutral","sentiment_score":-0.08693221719427542},{"text":"But if you're telling me that 5,100 a month is okay to live on and you guys will get by with the mortgage repayments and everything, Don't have to increase it.","start":2259.845,"end":2268.11,"sentiment":"neutral","sentiment_score":0.13755997017987312},{"text":"Just wanted to run it by you because your incomes increase.","start":2268.11,"end":2270.61,"sentiment":"neutral","sentiment_score":0.2327815361998298},{"text":"You can increase your insurance or just leave it as is.","start":2270.9102,"end":2274.1301,"sentiment":"neutral","sentiment_score":0.08630892498926683}],"sentiment":"neutral","sentiment_score":0.10653280874248594,"channel":0,"num_words":64,"start":2255.845,"end":2274.1301},{"sentences":[{"text":"No.","start":2274.675,"end":2274.995,"sentiment":"neutral","sentiment_score":-0.10988613963127136},{"text":"I'm happy to leave it as 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a bit of an impact.","start":2291.315,"end":2292.615,"sentiment":"neutral","sentiment_score":-0.2024551903208097},{"text":"If that increases, you probably don't wanna be paying $6.07, $8,000 when you're 50 if you","start":2292.995,"end":2299.31,"sentiment":"neutral","sentiment_score":-0.17673790361732244}],"sentiment":"neutral","sentiment_score":-0.18375170908190988,"channel":0,"num_words":22,"start":2291.315,"end":2299.31},{"sentences":[{"text":"Yep.","start":2299.235,"end":2299.735,"sentiment":"neutral","sentiment_score":-0.12635254859924316}],"sentiment":"neutral","sentiment_score":-0.12635254859924316,"channel":1,"num_words":1,"start":2299.235,"end":2299.735},{"sentences":[{"text":"don't need all that insurance.","start":2299.31,"end":2300.61,"sentiment":"neutral","sentiment_score":-0.2762221902608871},{"text":"So we will have to trim it down at some point.","start":2300.6702,"end":2303.1702,"sentiment":"neutral","sentiment_score":-0.22436480630527844}],"sentiment":"neutral","sentiment_score":-0.24057023879140615,"channel":0,"num_words":16,"start":2299.31,"end":2303.1702},{"sentences":[{"text":"Yep.","start":2303.5552,"end":2303.875,"sentiment":"neutral","sentiment_score":0.00017450129962526262},{"text":"That's it.","start":2303.875,"end":2304.8398,"sentiment":"neutral","sentiment_score":-0.018964416347444057}],"sentiment":"neutral","sentiment_score":-0.012584777131754285,"channel":1,"num_words":3,"start":2303.5552,"end":2304.8398},{"sentences":[{"text":"One of the things too, you know how I mentioned salary sacrifice before?","start":2305.31,"end":2308.4502,"sentiment":"neutral","sentiment_score":-0.007142960022275264}],"sentiment":"neutral","sentiment_score":-0.007142960022275264,"channel":0,"num_words":13,"start":2305.31,"end":2308.4502},{"sentences":[{"text":"Yep.","start":2308.98,"end":2309.48,"sentiment":"neutral","sentiment_score":0.1383064091205597}],"sentiment":"neutral","sentiment_score":0.1383064091205597,"channel":1,"num_words":1,"start":2308.98,"end":2309.48},{"sentences":[{"text":"When you're all good with your goals for your mortgage and everything, if you put it in to offset the insurance costs, you get that tax deduction for the salary sacrifice.","start":2309.805,"end":2319.345,"sentiment":"positive","sentiment_score":0.3434963392153863},{"text":"It's almost like paying it out of pocket where it's fully deductible.","start":2319.885,"end":2323.265,"sentiment":"neutral","sentiment_score":0.23606350272893906},{"text":"So if at some point, we need to offset it by putting in that $50 a week, it may cost you, say, 35 in the hand because they put it in, like, pretax.","start":2323.86,"end":2335.08,"sentiment":"neutral","sentiment_score":0.03616582184578433}],"sentiment":"neutral","sentiment_score":0.19308711407019905,"channel":0,"num_words":76,"start":2309.805,"end":2335.08},{"sentences":[{"text":"Yep.","start":2336.21,"end":2336.71,"sentiment":"neutral","sentiment_score":0.18252389132976532}],"sentiment":"neutral","sentiment_score":0.18252389132976532,"channel":1,"num_words":1,"start":2336.21,"end":2336.71},{"sentences":[{"text":"So it's a way of getting $50 in the super.","start":2336.835,"end":2338.995,"sentiment":"positive","sentiment_score":0.36607099175453184},{"text":"It costs you 35.","start":2338.995,"end":2340.455,"sentiment":"positive","sentiment_score":0.3994534760713577},{"text":"You get a lovely little deduction there, and it covers costs, boost up your 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moment?","start":2351.3398,"end":2353.9,"sentiment":"neutral","sentiment_score":0.10835178654927474},{"text":"I've gone through quite a bit with you so far.","start":2353.9,"end":2356.0,"sentiment":"neutral","sentiment_score":0.007737515494227409}],"sentiment":"neutral","sentiment_score":0.08723448261618615,"channel":0,"num_words":25,"start":2350.54,"end":2356.0},{"sentences":[{"text":"No.","start":2356.69,"end":2356.8499,"sentiment":"neutral","sentiment_score":-0.21225672960281372},{"text":"I think you've covered off most of it.","start":2356.8499,"end":2359.19,"sentiment":"neutral","sentiment_score":-0.15554746985435486}],"sentiment":"neutral","sentiment_score":-0.16184849871529472,"channel":1,"num_words":9,"start":2356.69,"end":2359.19},{"sentences":[{"text":"Yep.","start":2360.46,"end":2360.96,"sentiment":"neutral","sentiment_score":0.07415291666984558},{"text":"Look.","start":2361.26,"end":2361.5,"sentiment":"neutral","sentiment_score":0.2227034568786621},{"text":"Everything is looking pretty good.","start":2361.5,"end":2362.995,"sentiment":"positive","sentiment_score":0.4112701237201691},{"text":"You don't have trauma insurance, which is for heart attack, stroke, and cancer.","start":2363.155,"end":2367.175,"sentiment":"neutral","sentiment_score":-0.024696149218540926},{"text":"But, again, you're a bit tight on the cash flow there.","start":2367.3152,"end":2370.195,"sentiment":"neutral","sentiment_score":-0.1979130133986473}],"sentiment":"neutral","sentiment_score":-0.004673745002477399,"channel":0,"num_words":31,"start":2360.46,"end":2370.195},{"sentences":[{"text":"Are you just happy to leave the life keeping in income protection, or do you want me to get a quote for that one?","start":2370.195,"end":2374.935,"sentiment":"neutral","sentiment_score":-0.007816853777815899}],"sentiment":"neutral","sentiment_score":-0.007816853777815899,"channel":0,"num_words":24,"start":2370.195,"end":2374.935},{"sentences":[{"text":"I'm not thinking.","start":2379.0251,"end":2379.825,"sentiment":"neutral","sentiment_score":-0.20959743360678354},{"text":"Oh, you can send her a card if you want, I suppose, but yeah.","start":2379.825,"end":2383.05,"sentiment":"neutral","sentiment_score":-0.0105411915906838}],"sentiment":"neutral","sentiment_score":-0.04566876371117199,"channel":1,"num_words":17,"start":2379.0251,"end":2383.05},{"sentences":[{"text":"Yeah.","start":2383.49,"end":2383.81,"sentiment":"neutral","sentiment_score":0.00510980561375618},{"text":"Why not?","start":2383.81,"end":2384.29,"sentiment":"neutral","sentiment_score":-0.06737139448523521},{"text":"I mean, what I'll do is when I go through that update for your investment option, I'll do a quote for, say, a 100,000 worth of trauma cover.","start":2384.29,"end":2394.505,"sentiment":"neutral","sentiment_score":0.008005056330668074},{"text":"So you have a heart attack, that's a 100 grands.","start":2394.505,"end":2396.845,"sentiment":"neutral","sentiment_score":-0.08323642052710056},{"text":"Your partner can take a few months off work to look after you, cover medical expenses, things like that.","start":2397.065,"end":2403.1802,"sentiment":"neutral","sentiment_score":-0.017901608426319927}],"sentiment":"neutral","sentiment_score":-0.017966436191151538,"channel":0,"num_words":60,"start":2383.49,"end":2403.1802},{"sentences":[{"text":"When you go through that advice document, you can actually write at the bottom on the DocuSign.","start":2403.4802,"end":2408.06,"sentiment":"neutral","sentiment_score":0.04270075787516201},{"text":"You can say, yes.","start":2408.12,"end":2409.6401,"sentiment":"neutral","sentiment_score":0.012519271112978458},{"text":"I wanna go ahead with this or no.","start":2409.6401,"end":2411.7202,"sentiment":"neutral","sentiment_score":-0.09306569583714008},{"text":"I don't.","start":2411.7202,"end":2412.12,"sentiment":"neutral","sentiment_score":-0.31866520643234253},{"text":"So you can kind of pick if you wanna do it or not.","start":2412.12,"end":2414.325,"sentiment":"neutral","sentiment_score":-0.030188962817192078}],"sentiment":"neutral","sentiment_score":-0.022689148360355335,"channel":0,"num_words":44,"start":2403.4802,"end":2414.325},{"sentences":[{"text":"Yeah.","start":2414.68,"end":2414.92,"sentiment":"neutral","sentiment_score":0.18609952926635745},{"text":"I can.","start":2414.92,"end":2415.4001,"sentiment":"neutral","sentiment_score":0.23089855909347534},{"text":"Yep.","start":2415.4001,"end":2415.9001,"sentiment":"positive","sentiment_score":0.377652645111084}],"sentiment":"neutral","sentiment_score":0.256387323141098,"channel":1,"num_words":4,"start":2414.68,"end":2415.9001},{"sentences":[{"text":"Cool.","start":2415.925,"end":2416.325,"sentiment":"positive","sentiment_score":0.5380479097366333},{"text":"So I'll do up a quote just to be safe with MetLife there and see what that's looking like.","start":2416.325,"end":2421.385,"sentiment":"positive","sentiment_score":0.38798915398748296},{"text":"Let's say it was coming out of pocket.","start":2422.565,"end":2425.2249,"sentiment":"neutral","sentiment_score":0.07835659245029092},{"text":"What would be the maximum you would wanna pay per month for an insurance policy?","start":2425.765,"end":2430.32,"sentiment":"neutral","sentiment_score":0.030277394503355027}],"sentiment":"neutral","sentiment_score":0.20908966261980144,"channel":0,"num_words":43,"start":2415.925,"end":2430.32},{"sentences":[{"text":"Yeah.","start":2433.06,"end":2433.3,"sentiment":"neutral","sentiment_score":-0.06794331222772598},{"text":"Not sure, to be honest.","start":2433.3,"end":2434.6802,"sentiment":"neutral","sentiment_score":-0.21512267887592315}],"sentiment":"neutral","sentiment_score":-0.19059278443455696,"channel":1,"num_words":6,"start":2433.06,"end":2434.6802},{"sentences":[{"text":"Like, 20, 30, 40, would that be getting a bit too","start":2435.02,"end":2438.4001,"sentiment":"neutral","sentiment_score":-0.21252882480621338}],"sentiment":"neutral","sentiment_score":-0.21252882480621338,"channel":0,"num_words":11,"start":2435.02,"end":2438.4001},{"sentences":[{"text":"Yeah.","start":2438.6602,"end":2439.1602,"sentiment":"neutral","sentiment_score":-0.13904792070388794}],"sentiment":"neutral","sentiment_score":-0.13904792070388794,"channel":1,"num_words":1,"start":2438.6602,"end":2439.1602},{"sentences":[{"text":"expensive?","start":2438.7002,"end":2439.2002,"sentiment":"neutral","sentiment_score":-0.15372520685195923}],"sentiment":"neutral","sentiment_score":-0.15372520685195923,"channel":0,"num_words":1,"start":2438.7002,"end":2439.2002},{"sentences":[{"text":"Yeah.","start":2439.78,"end":2440.26,"sentiment":"neutral","sentiment_score":-0.07877279072999954},{"text":"Something like that would be fine.","start":2440.26,"end":2441.48,"sentiment":"neutral","sentiment_score":-0.049815421303113304}],"sentiment":"neutral","sentiment_score":-0.05395218836409705,"channel":1,"num_words":7,"start":2439.78,"end":2441.48},{"sentences":[{"text":"Cool.","start":2442.075,"end":2442.315,"sentiment":"neutral","sentiment_score":0.1155216097831726},{"text":"I'll put a cap of it at 40.","start":2442.315,"end":2444.235,"sentiment":"neutral","sentiment_score":-0.0978473019786179},{"text":"So if it's more than 40, I'm not even gonna recommend it.","start":2444.235,"end":2446.715,"sentiment":"negative","sentiment_score":-0.43587426841259},{"text":"If","start":2446.715,"end":2446.955,"sentiment":"neutral","sentiment_score":-0.1382017284631729}],"sentiment":"neutral","sentiment_score":-0.27436135252091015,"channel":0,"num_words":22,"start":2442.075,"end":2446.955},{"sentences":[{"text":"Yep.","start":2446.9001,"end":2447.235,"sentiment":"neutral","sentiment_score":-0.07158573716878891}],"sentiment":"neutral","sentiment_score":-0.07158573716878891,"channel":1,"num_words":1,"start":2446.9001,"end":2447.235},{"sentences":[{"text":"it's under 40, I'll do the quote up so you can see it.","start":2446.955,"end":2450.095,"sentiment":"neutral","sentiment_score":0.05298764659808232}],"sentiment":"neutral","sentiment_score":0.05298764659808232,"channel":0,"num_words":13,"start":2446.955,"end":2450.095},{"sentences":[{"text":"Yep.","start":2450.435,"end":2450.915,"sentiment":"neutral","sentiment_score":0.031923022121191025},{"text":"I promise.","start":2450.915,"end":2451.5752,"sentiment":"neutral","sentiment_score":0.02743307687342167}],"sentiment":"neutral","sentiment_score":0.028929725289344788,"channel":1,"num_words":3,"start":2450.435,"end":2451.5752},{"sentences":[{"text":"Cool.","start":2451.515,"end":2451.915,"sentiment":"neutral","sentiment_score":0.07607881724834442},{"text":"Again, I don't want you paying a $120 a month for something if you don't value it.","start":2451.915,"end":2456.07,"sentiment":"negative","sentiment_score":-0.4173758853884304}],"sentiment":"negative","sentiment_score":-0.38996173524194294,"channel":0,"num_words":18,"start":2451.515,"end":2456.07},{"sentences":[{"text":"Yep.","start":2456.2751,"end":2456.7751,"sentiment":"neutral","sentiment_score":-0.1018819510936737}],"sentiment":"neutral","sentiment_score":-0.1018819510936737,"channel":1,"num_words":1,"start":2456.2751,"end":2456.7751},{"sentences":[{"text":"Not in the interest of just trying to get you insurances, mate, but I do have to check.","start":2457.03,"end":2460.31,"sentiment":"neutral","sentiment_score":-0.25300729357533985},{"text":"You don't have this one.","start":2460.31,"end":2461.4302,"sentiment":"neutral","sentiment_score":-0.24569322764873505},{"text":"Do you want it?","start":2461.4302,"end":2462.4102,"sentiment":"neutral","sentiment_score":-0.09211125783622265},{"text":"That is okay.","start":2462.71,"end":2463.59,"sentiment":"neutral","sentiment_score":0.12015288074811299},{"text":"40 a month max, $100,000 quote.","start":2463.59,"end":2466.49,"sentiment":"neutral","sentiment_score":0.1745223974188169}],"sentiment":"neutral","sentiment_score":-0.13176248408854008,"channel":0,"num_words":36,"start":2457.03,"end":2466.49},{"sentences":[{"text":"And the investment switch, that's all good.","start":2467.1902,"end":2470.01,"sentiment":"positive","sentiment_score":0.42258626222610474},{"text":"Now last thing I wanted to check with you was just your thoughts on the whole self managed super fund thing that I mentioned before.","start":2471.335,"end":2477.0352,"sentiment":"neutral","sentiment_score":0.08988229066133499},{"text":"Look.","start":2478.5352,"end":2478.855,"sentiment":"neutral","sentiment_score":0.2809793949127197},{"text":"Everything is going well with the super so far.","start":2478.855,"end":2481.095,"sentiment":"positive","sentiment_score":0.5383504331111908},{"text":"We've got a bit of property mix into you into your portfolio.","start":2481.095,"end":2484.21,"sentiment":"neutral","sentiment_score":0.3031289577484131}],"sentiment":"neutral","sentiment_score":0.2586822571853797,"channel":0,"num_words":54,"start":2467.1902,"end":2484.21},{"sentences":[{"text":"Is that something that you think you and your partner wanna sort of investigate this year, next year, and and sort of go through all of that?","start":2484.9102,"end":2492.6902,"sentiment":"neutral","sentiment_score":0.1498442573679818}],"sentiment":"neutral","sentiment_score":0.1498442573679818,"channel":0,"num_words":27,"start":2484.9102,"end":2492.6902},{"sentences":[{"text":"Well, yeah, at some stage before, yeah, we can't looking into it, but yeah.","start":2492.96,"end":2497.055,"sentiment":"neutral","sentiment_score":-0.0946345387824944},{"text":"Well, it's not it not not in the near future anyway, I don't think.","start":2497.055,"end":2501.295,"sentiment":"neutral","sentiment_score":-0.15585754652108466},{"text":"But","start":2501.295,"end":2501.795,"sentiment":"neutral","sentiment_score":-0.011118341237306597}],"sentiment":"neutral","sentiment_score":-0.12131060467197977,"channel":1,"num_words":29,"start":2492.96,"end":2501.795},{"sentences":[{"text":"K.","start":2502.445,"end":2502.845,"sentiment":"neutral","sentiment_score":0.009804224595427511},{"text":"And it's","start":2502.845,"end":2503.405,"sentiment":"neutral","sentiment_score":0.03565221652388573}],"sentiment":"neutral","sentiment_score":0.027036219214399655,"channel":0,"num_words":3,"start":2502.445,"end":2503.405},{"sentences":[{"text":"yeah.","start":2503.065,"end":2503.565,"sentiment":"neutral","sentiment_score":-0.051831699907779694}],"sentiment":"neutral","sentiment_score":-0.051831699907779694,"channel":1,"num_words":1,"start":2503.065,"end":2503.565},{"sentences":[{"text":"again, it's something that's pretty powerful, like borrowing money on your super can be somewhat dangerous, but really beneficial for having a bigger asset.","start":2503.7249,"end":2511.025,"sentiment":"neutral","sentiment_score":0.1434085019864142},{"text":"It really just depends on crunching numbers.","start":2511.3,"end":2514.44,"sentiment":"neutral","sentiment_score":0.06991732173732348},{"text":"Once you've","start":2514.9001,"end":2515.3801,"sentiment":"neutral","sentiment_score":0.045444607734680176}],"sentiment":"neutral","sentiment_score":0.12188225803953229,"channel":0,"num_words":33,"start":2503.7249,"end":2515.3801},{"sentences":[{"text":"Yes.","start":2515.1501,"end":2515.6501,"sentiment":"neutral","sentiment_score":0.04883473366498947}],"sentiment":"neutral","sentiment_score":0.04883473366498947,"channel":1,"num_words":1,"start":2515.1501,"end":2515.6501},{"sentences":[{"text":"got your super there, how big of a property can you even purchase with that from getting a loan?","start":2515.3801,"end":2521.24,"sentiment":"neutral","sentiment_score":0.08778530790617592},{"text":"And, you know, given the property prices, if you can get something that's good, great.","start":2521.3,"end":2526.495,"sentiment":"neutral","sentiment_score":0.22556852251291276},{"text":"If everything's a million dollars and you can only afford 600, well, then you've gotta wait until you've got a bigger balance.","start":2526.875,"end":2532.2551,"sentiment":"neutral","sentiment_score":-0.06001038688488982}],"sentiment":"neutral","sentiment_score":0.0666289317222046,"channel":0,"num_words":56,"start":2515.3801,"end":2532.2551},{"sentences":[{"text":"Yeah.","start":2532.965,"end":2533.365,"sentiment":"neutral","sentiment_score":0.11185994744300842},{"text":"Yeah.","start":2533.365,"end":2533.68,"sentiment":"neutral","sentiment_score":0.13593068718910217}],"sentiment":"neutral","sentiment_score":0.1238953173160553,"channel":1,"num_words":2,"start":2532.965,"end":2533.68},{"sentences":[{"text":"Yep.","start":2534.395,"end":2534.715,"sentiment":"neutral","sentiment_score":0.2240230292081833},{"text":"Cool.","start":2534.715,"end":2535.115,"sentiment":"positive","sentiment_score":0.3672928214073181},{"text":"Look.","start":2535.115,"end":2535.355,"sentiment":"neutral","sentiment_score":0.3170226216316223},{"text":"I'll put that down as something to come back to.","start":2535.355,"end":2537.035,"sentiment":"neutral","sentiment_score":0.1998918831348419},{"text":"So when we do these reviews, we can at least talk to you about it and sort of see if that's something we can look into.","start":2537.035,"end":2541.85,"sentiment":"neutral","sentiment_score":0.24549299421218726}],"sentiment":"neutral","sentiment_score":0.23820705520801055,"channel":0,"num_words":39,"start":2534.395,"end":2541.85},{"sentences":[{"text":"Again, when it comes to Oakview, we're pretty well self licensed to look at any kind of advice.","start":2542.71,"end":2547.51,"sentiment":"neutral","sentiment_score":0.2262195274233818},{"text":"So if you wanna steer the ship in a different direction, we're happy to follow you along.","start":2547.51,"end":2551.21,"sentiment":"neutral","sentiment_score":0.2975490150206229}],"sentiment":"neutral","sentiment_score":0.2608652785420418,"channel":0,"num_words":35,"start":2542.71,"end":2551.21},{"sentences":[{"text":"Yep.","start":2552.095,"end":2552.595,"sentiment":"neutral","sentiment_score":0.21635860204696655}],"sentiment":"neutral","sentiment_score":0.21635860204696655,"channel":1,"num_words":1,"start":2552.095,"end":2552.595},{"sentences":[{"text":"Cool.","start":2554.005,"end":2554.2449,"sentiment":"positive","sentiment_score":0.3400629162788391},{"text":"Cool.","start":2554.2449,"end":2554.565,"sentiment":"positive","sentiment_score":0.3374454975128174},{"text":"Mate, I've sent you through the annual review pack.","start":2554.565,"end":2556.7249,"sentiment":"neutral","sentiment_score":0.2777966327137417},{"text":"Have you had a chance to look at it much?","start":2556.7249,"end":2558.7249,"sentiment":"neutral","sentiment_score":0.16141067817807198},{"text":"I know you said you're gonna look on your phone, so maybe better off to look at it straight after the call if that's okay.","start":2558.7249,"end":2564.07,"sentiment":"neutral","sentiment_score":0.019012097865343094}],"sentiment":"neutral","sentiment_score":0.11450189862238325,"channel":0,"num_words":46,"start":2554.005,"end":2564.07},{"sentences":[{"text":"Yeah.","start":2564.3499,"end":2564.51,"sentiment":"neutral","sentiment_score":0.11020201444625854},{"text":"I might do that.","start":2564.51,"end":2565.23,"sentiment":"neutral","sentiment_score":0.12598750554025173},{"text":"Yep.","start":2565.23,"end":2565.73,"sentiment":"neutral","sentiment_score":0.20626632869243625}],"sentiment":"neutral","sentiment_score":0.13673639421661696,"channel":1,"num_words":6,"start":2564.3499,"end":2565.73},{"sentences":[{"text":"Cool.","start":2566.07,"end":2566.57,"sentiment":"neutral","sentiment_score":0.29786401987075806},{"text":"So just to let you know what I've sent through, you've got that performance report we're looking at with Hub.","start":2566.6301,"end":2573.29,"sentiment":"neutral","sentiment_score":0.20680587440729142},{"text":"You've got your certificate of currency for the insurances.","start":2573.4302,"end":2576.49,"sentiment":"neutral","sentiment_score":0.14095030228296915},{"text":"Look.","start":2577.325,"end":2577.645,"sentiment":"neutral","sentiment_score":0.13286465406417847},{"text":"If something happens to you, we do help with the claims process.","start":2577.645,"end":2582.225,"sentiment":"neutral","sentiment_score":0.17102035755912462}],"sentiment":"neutral","sentiment_score":0.1834335621706275,"channel":0,"num_words":43,"start":2566.07,"end":2582.225},{"sentences":[{"text":"So if you're off work and you get sick, we're probably not your first port of call, but you can give us a buzz.","start":2582.605,"end":2587.965,"sentiment":"neutral","sentiment_score":0.133872931667914},{"text":"We can help you through the forms, liaise with the insurer, help you get the money.","start":2587.965,"end":2592.27,"sentiment":"neutral","sentiment_score":0.22976917307823896}],"sentiment":"neutral","sentiment_score":0.172231428232044,"channel":0,"num_words":40,"start":2582.605,"end":2592.27},{"sentences":[{"text":"Yep.","start":2592.9001,"end":2593.4001,"sentiment":"neutral","sentiment_score":0.18216055631637573}],"sentiment":"neutral","sentiment_score":0.18216055631637573,"channel":1,"num_words":1,"start":2592.9001,"end":2593.4001},{"sentences":[{"text":"There's a financial services guide.","start":2594.67,"end":2596.43,"sentiment":"neutral","sentiment_score":0.1711425796151161},{"text":"We always update our license details, services, who we are, team photos, all that fun stuff in there, complaints, procedures, everything is in there.","start":2596.43,"end":2604.975,"sentiment":"neutral","sentiment_score":0.1893289623161157},{"text":"So give that a read if you've got if you've got some inclination to do so.","start":2604.975,"end":2608.8352,"sentiment":"neutral","sentiment_score":0.1887477496638894},{"text":"And I","start":2609.375,"end":2609.7751,"sentiment":"neutral","sentiment_score":0.09041954949498177}],"sentiment":"neutral","sentiment_score":0.18298746994201173,"channel":0,"num_words":47,"start":2594.67,"end":2609.7751},{"sentences":[{"text":"Yep.","start":2609.6602,"end":2610.1602,"sentiment":"neutral","sentiment_score":0.056079357862472534}],"sentiment":"neutral","sentiment_score":0.056079357862472534,"channel":1,"num_words":1,"start":2609.6602,"end":2610.1602},{"sentences":[{"text":"have included your service agreement as well.","start":2609.7751,"end":2612.675,"sentiment":"neutral","sentiment_score":0.12876013559954508},{"text":"Now I do need to ask the all important question.","start":2615.0552,"end":2617.215,"sentiment":"neutral","sentiment_score":0.0521922629326582},{"text":"Are you comfortable with Oakview looking after the Subaru for the next twelve months or so?","start":2617.215,"end":2620.95,"sentiment":"neutral","sentiment_score":0.11290151765570045}],"sentiment":"neutral","sentiment_score":0.09786872306104863,"channel":0,"num_words":33,"start":2609.7751,"end":2620.95},{"sentences":[{"text":"Yeah.","start":2621.6602,"end":2621.9001,"sentiment":"neutral","sentiment_score":0.17819856107234955},{"text":"I think so.","start":2621.9001,"end":2622.645,"sentiment":"neutral","sentiment_score":0.2662195960680644},{"text":"Yep.","start":2622.645,"end":2623.145,"sentiment":"neutral","sentiment_score":0.33228743076324463}],"sentiment":"neutral","sentiment_score":0.26182895600795747,"channel":1,"num_words":5,"start":2621.6602,"end":2623.145},{"sentences":[{"text":"Cool.","start":2623.51,"end":2623.91,"sentiment":"positive","sentiment_score":0.5238386392593384},{"text":"But any feedback on services and things like that?","start":2623.91,"end":2626.55,"sentiment":"neutral","sentiment_score":0.21522883739736345},{"text":"Like, have you been having a good service so far?","start":2626.55,"end":2629.1099,"sentiment":"positive","sentiment_score":0.36072530746459963},{"text":"Has it been going well for you?","start":2629.1099,"end":2630.81,"sentiment":"neutral","sentiment_score":0.330903240612575}],"sentiment":"neutral","sentiment_score":0.31053607165813446,"channel":0,"num_words":27,"start":2623.51,"end":2630.81},{"sentences":[{"text":"Yeah.","start":2632.325,"end":2632.565,"sentiment":"neutral","sentiment_score":0.04003926366567612},{"text":"It seems to be down.","start":2632.565,"end":2633.445,"sentiment":"neutral","sentiment_score":-0.05401076674461365},{"text":"Okay.","start":2633.445,"end":2633.945,"sentiment":"neutral","sentiment_score":0.1308315545320511}],"sentiment":"neutral","sentiment_score":-0.014169002217905862,"channel":1,"num_words":7,"start":2632.325,"end":2633.945},{"sentences":[{"text":"So far, so good?","start":2635.125,"end":2636.345,"sentiment":"neutral","sentiment_score":0.2727294750511646}],"sentiment":"neutral","sentiment_score":0.2727294750511646,"channel":0,"num_words":4,"start":2635.125,"end":2636.345},{"sentences":[{"text":"So far, so good.","start":2636.43,"end":2637.31,"sentiment":"positive","sentiment_score":0.3768444359302521},{"text":"Yeah.","start":2637.31,"end":2637.71,"sentiment":"neutral","sentiment_score":0.28947165608406067},{"text":"Yep.","start":2637.71,"end":2638.21,"sentiment":"neutral","sentiment_score":0.25650614500045776}],"sentiment":"positive","sentiment_score":0.34222592413425446,"channel":1,"num_words":6,"start":2636.43,"end":2638.21},{"sentences":[{"text":"I guess until the world goes on fire and there's World War three and all the rest of it.","start":2637.925,"end":2641.925,"sentiment":"neutral","sentiment_score":-0.008717214590624758},{"text":"But, again, if we need to change things, we're we're happy to do so.","start":2641.925,"end":2645.49,"sentiment":"neutral","sentiment_score":0.2536768029843058}],"sentiment":"neutral","sentiment_score":0.10260145953207304,"channel":0,"num_words":33,"start":2637.925,"end":2645.49},{"sentences":[{"text":"Yep.","start":2645.79,"end":2646.29,"sentiment":"neutral","sentiment_score":0.17547278106212616},{"text":"Okay.","start":2646.67,"end":2647.17,"sentiment":"neutral","sentiment_score":0.29297226667404175}],"sentiment":"neutral","sentiment_score":0.23422252386808395,"channel":1,"num_words":2,"start":2645.79,"end":2647.17},{"sentences":[{"text":"Awesome.","start":2648.13,"end":2648.53,"sentiment":"positive","sentiment_score":0.5049525499343872},{"text":"Mate, I'm gonna leave that in your hands to review.","start":2648.53,"end":2651.27,"sentiment":"neutral","sentiment_score":0.2681611478328705},{"text":"I'm just gonna quickly pull up the documents that I sent you","start":2651.57,"end":2655.11,"sentiment":"neutral","sentiment_score":0.09285864730676015}],"sentiment":"neutral","sentiment_score":0.18699425199757452,"channel":0,"num_words":23,"start":2648.13,"end":2655.11},{"sentences":[{"text":"Got","start":2654.625,"end":2655.125,"sentiment":"neutral","sentiment_score":0.05627145245671272}],"sentiment":"neutral","sentiment_score":0.05627145245671272,"channel":1,"num_words":1,"start":2654.625,"end":2655.125},{"sentences":[{"text":"just to ensure it's all correct because I don't want you to sign something that's not correct.","start":2655.17,"end":2659.365,"sentiment":"neutral","sentiment_score":-0.09147791148108594}],"sentiment":"neutral","sentiment_score":-0.09147791148108594,"channel":0,"num_words":17,"start":2655.17,"end":2659.365},{"sentences":[{"text":"it.","start":2659.0251,"end":2659.2,"sentiment":"neutral","sentiment_score":-0.001286318525671959}],"sentiment":"neutral","sentiment_score":-0.001286318525671959,"channel":1,"num_words":1,"start":2659.0251,"end":2659.2},{"sentences":[{"text":"Let me just have a look.","start":2659.365,"end":2660.325,"sentiment":"neutral","sentiment_score":0.012009680271148682},{"text":"We've got your pack here.","start":2660.325,"end":2661.785,"sentiment":"neutral","sentiment_score":0.0558170810341835},{"text":"And, again, please don't sign it until we've talked about it.","start":2663.285,"end":2666.825,"sentiment":"neutral","sentiment_score":-0.05803161249919371},{"text":"Alright.","start":2668.885,"end":2669.385,"sentiment":"neutral","sentiment_score":0.036053240299224854},{"text":"So in there, you've got, like, a lost super search.","start":2669.525,"end":2672.085,"sentiment":"neutral","sentiment_score":0.04417095836251974}],"sentiment":"neutral","sentiment_score":0.005774502219124274,"channel":0,"num_words":33,"start":2659.365,"end":2672.085},{"sentences":[{"text":"Pretty standard with us.","start":2672.085,"end":2673.045,"sentiment":"neutral","sentiment_score":0.16607439517974854},{"text":"We always just shoot the the government a message to see if there's anything floating around we haven't taken into account.","start":2673.045,"end":2678.56,"sentiment":"neutral","sentiment_score":0.08128108456730843},{"text":"The fees are still 1.65%, and that's kind of split monthly throughout the year, and it's a twelve month agreement.","start":2679.5,"end":2687.34,"sentiment":"neutral","sentiment_score":0.09676315244287252},{"text":"So it's not like a a lock in for twelve months, but we do need consent every year to still","start":2687.34,"end":2693.095,"sentiment":"neutral","sentiment_score":0.07111201547086239}],"sentiment":"neutral","sentiment_score":0.08813390330626414,"channel":0,"num_words":65,"start":2672.085,"end":2693.095},{"sentences":[{"text":"Yep.","start":2692.9302,"end":2693.4302,"sentiment":"neutral","sentiment_score":0.0728607028722763}],"sentiment":"neutral","sentiment_score":0.0728607028722763,"channel":1,"num_words":1,"start":2692.9302,"end":2693.4302},{"sentences":[{"text":"be your advisers.","start":2693.095,"end":2694.155,"sentiment":"neutral","sentiment_score":0.06521084159612656}],"sentiment":"neutral","sentiment_score":0.06521084159612656,"channel":0,"num_words":3,"start":2693.095,"end":2694.155},{"sentences":[{"text":"Yep.","start":2695.1702,"end":2695.6501,"sentiment":"neutral","sentiment_score":0.07018252462148666},{"text":"Nine.","start":2695.6501,"end":2695.8901,"sentiment":"neutral","sentiment_score":0.08742530643939972},{"text":"I got","start":2695.8901,"end":2696.385,"sentiment":"neutral","sentiment_score":0.18921781331300735}],"sentiment":"neutral","sentiment_score":0.13401086442172527,"channel":1,"num_words":4,"start":2695.1702,"end":2696.385},{"sentences":[{"text":"Cool.","start":2696.855,"end":2697.095,"sentiment":"neutral","sentiment_score":0.2719199061393738},{"text":"Cool.","start":2697.095,"end":2697.595,"sentiment":"neutral","sentiment_score":0.22431832551956177},{"text":"The other one that I have to let you know about, tax file number declaration.","start":2698.135,"end":2702.555,"sentiment":"neutral","sentiment_score":0.046989344308773676},{"text":"Now","start":2703.7,"end":2704.2,"sentiment":"neutral","sentiment_score":-0.011760596185922624}],"sentiment":"neutral","sentiment_score":0.06607321111692323,"channel":0,"num_words":18,"start":2696.855,"end":2704.2},{"sentences":[{"text":"Yep.","start":2703.825,"end":2704.325,"sentiment":"neutral","sentiment_score":-0.017878755927085876}],"sentiment":"neutral","sentiment_score":-0.017878755927085876,"channel":1,"num_words":1,"start":2703.825,"end":2704.325},{"sentences":[{"text":"there was a lot of cybersecurity issues in Australia last year.","start":2704.9001,"end":2708.84,"sentiment":"neutral","sentiment_score":-0.07972150871699507},{"text":"People sent some information getting lost.","start":2708.98,"end":2711.1602,"sentiment":"neutral","sentiment_score":-0.07369032129645348},{"text":"So instead of keeping tax file number in a whole bunch of different systems, we would just like you to opt in to keeping it on this one form, and we do need your consent because that is a very important number.","start":2711.46,"end":2723.4648,"sentiment":"neutral","sentiment_score":0.0742516734060787},{"text":"And, you know, what what do you call it?","start":2723.6848,"end":2726.4849,"sentiment":"neutral","sentiment_score":-0.022853011058436498},{"text":"Like, name fraud and things like that can happen.","start":2726.4849,"end":2728.7449,"sentiment":"neutral","sentiment_score":-0.09298932635121876}],"sentiment":"neutral","sentiment_score":0.009830009385749891,"channel":0,"num_words":77,"start":2704.9001,"end":2728.7449},{"sentences":[{"text":"Cool.","start":2730.53,"end":2731.03,"sentiment":"neutral","sentiment_score":0.013356122188270092},{"text":"Mate, that new DocuSign that's come through, that's from our new system, Odoo.","start":2731.49,"end":2736.07,"sentiment":"positive","sentiment_score":0.3338712247518393},{"text":"If you have any trouble with it, let us know, but there should be, like, a hyperlink button to jump in there and and sign it.","start":2736.21,"end":2742.3901,"sentiment":"neutral","sentiment_score":0.07643914093764928},{"text":"Once you've done that, you can download a signed copy.","start":2743.745,"end":2746.145,"sentiment":"neutral","sentiment_score":0.1073479637503624},{"text":"There'll be a little pop up button for you.","start":2746.145,"end":2748.325,"sentiment":"neutral","sentiment_score":0.16301404105292427}],"sentiment":"neutral","sentiment_score":0.15053738500544075,"channel":0,"num_words":59,"start":2730.53,"end":2748.325},{"sentences":[{"text":"Yeah.","start":2748.7898,"end":2749.0298,"sentiment":"neutral","sentiment_score":0.0937700942158699},{"text":"Robert.","start":2749.0298,"end":2749.5298,"sentiment":"neutral","sentiment_score":0.15045654773712158}],"sentiment":"neutral","sentiment_score":0.12211332097649574,"channel":1,"num_words":2,"start":2748.7898,"end":2749.5298},{"sentences":[{"text":"Awesome, dude.","start":2749.225,"end":2751.0251,"sentiment":"positive","sentiment_score":0.6970323324203491},{"text":"Mate, any last questions for me before I let you go?","start":2751.0251,"end":2753.365,"sentiment":"neutral","sentiment_score":0.1716982830654491}],"sentiment":"neutral","sentiment_score":0.25251890604312605,"channel":0,"num_words":13,"start":2749.225,"end":2753.365},{"sentences":[{"text":"No.","start":2754.085,"end":2754.205,"sentiment":"neutral","sentiment_score":-0.2634187340736389},{"text":"I don't think so.","start":2754.205,"end":2755.305,"sentiment":"neutral","sentiment_score":-0.22224890813231468}],"sentiment":"neutral","sentiment_score":-0.23048287332057954,"channel":1,"num_words":5,"start":2754.085,"end":2755.305},{"sentences":[{"text":"Awesome, dude.","start":2756.24,"end":2757.04,"sentiment":"positive","sentiment_score":0.576050192117691},{"text":"What we'll do, I'll leave that with you.","start":2757.04,"end":2760.24,"sentiment":"positive","sentiment_score":0.3604513667523861},{"text":"We'll give you a call in a couple of weeks just to go through that quote and the change to the investments together, and we should be good to go.","start":2760.24,"end":2767.1428,"sentiment":"positive","sentiment_score":0.4190239871541659}],"sentiment":"positive","sentiment_score":0.4151607733219862,"channel":0,"num_words":40,"start":2756.24,"end":2767.1428},{"sentences":[{"text":"Alright.","start":2767.84,"end":2768.08,"sentiment":"neutral","sentiment_score":0.210207998752594},{"text":"No, Carlos.","start":2768.08,"end":2768.74,"sentiment":"neutral","sentiment_score":0.09873458370566368}],"sentiment":"neutral","sentiment_score":0.13589238872130713,"channel":1,"num_words":3,"start":2767.84,"end":2768.74},{"sentences":[{"text":"Awesome, Sam.","start":2769.3828,"end":2770.0227,"sentiment":"positive","sentiment_score":0.719925582408905},{"text":"You have a fantastic day, mate, and I'll talk to you in a couple of weeks.","start":2770.0227,"end":2773.1628,"sentiment":"positive","sentiment_score":0.6829393226653337}],"sentiment":"positive","sentiment_score":0.6870489070812861,"channel":0,"num_words":18,"start":2769.3828,"end":2773.1628},{"sentences":[{"text":"No worries.","start":2773.28,"end":2773.76,"sentiment":"positive","sentiment_score":0.3687765747308731},{"text":"You too.","start":2773.76,"end":2774.5,"sentiment":"positive","sentiment_score":0.4521833062171936}],"sentiment":"positive","sentiment_score":0.41047994047403336,"channel":1,"num_words":4,"start":2773.28,"end":2774.5},{"sentences":[{"text":"Cheers, mate.","start":2774.983,"end":2775.5427,"sentiment":"positive","sentiment_score":0.6168973445892334},{"text":"Bye.","start":2775.5427,"end":2776.0427,"sentiment":"positive","sentiment_score":0.37727850675582886}],"sentiment":"positive","sentiment_score":0.5370243986447653,"channel":0,"num_words":3,"start":2774.983,"end":2776.0427},{"sentences":[{"text":"Cheers.","start":2775.68,"end":2776.08,"sentiment":"positive","sentiment_score":0.5336655974388123},{"text":"Thank you.","start":2776.08,"end":2776.56,"sentiment":"positive","sentiment_score":0.7402137815952301},{"text":"Bye.","start":2776.56,"end":2777.06,"sentiment":"neutral","sentiment_score":-0.10865960270166396}],"sentiment":"positive","sentiment_score":0.4763583894819021,"channel":1,"num_words":4,"start":2775.68,"end":2777.06}]},"summary":{"result":"success","short":"The speaker discusses their annual review and personal and financial assets with a customer, including home value and retirement plans. They also discuss their income and employment history, including their home value and home value. The speaker emphasizes the importance of protecting and reducing risk for the long term while staying high growth. They also discuss the benefits of a self-managed super plan, including savings and a lower risk of health issues, and provide instructions for signing and updating information. The speaker promises to call the customer back in a few weeks."},"intents":{"segments":[{"text":"Before I jump into the details of the strategy, I just wanted to ask you if there's anything in particular you wanted to get out of this year's review.","start_word":341,"end_word":369,"intents":[{"intent":"Review policy","confidence_score":0.019911727}]},{"text":"So one of the things I would like to do is I wanted to update a few of your details on file. We have changed systems over Christmas, and I just wanna see if there's been any major changes there. And then I'll dive into your super performance. We'll quickly touch on your policy that's attached to your hub account, little bit of a site planning, and we can go from there if that's okay. Yep.","start_word":398,"end_word":473,"intents":[{"intent":"Update details","confidence_score":0.1612603}]},{"text":"Now goals wise, we had you retiring at the age of 65, trying to produce an income of about $1,500 a week after tax.","start_word":477,"end_word":500,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.37101534}]},{"text":"Do you have a bit of a preference on trying to retire as early as humanly possible, or are you okay to work through to those later years? What's your preference?","start_word":526,"end_word":556,"intents":[{"intent":"Confirm retirement preference","confidence_score":0.0033183442},{"intent":"Ask about retirement age preference","confidence_score":0.014236351},{"intent":"Consider retirement age preference","confidence_score":0.014968801}]},{"text":"Well, I reckon if you're on the the LOTA, do you find things to entertain yourself with for a while? Yeah.","start_word":653,"end_word":673,"intents":[{"intent":"Inquire about hobbies","confidence_score":0.018627912}]},{"text":"Because the property market's gone a bit strange. We had your value of your home at about 650,000, and you were owing about $3.20. Do you reckon that's changed significantly?","start_word":725,"end_word":754,"intents":[{"intent":"Check property market","confidence_score":0.20335005}]},{"text":"Do you want me to leave that at 03:20 for the time being?","start_word":840,"end_word":852,"intents":[{"intent":"Leave home at 03:20","confidence_score":0.010248697}]},{"text":"Other assets and liabilities, we had a motor vehicle valued at 40,000 and another car valued at 15. Do Yep.","start_word":864,"end_word":883,"intents":[{"intent":"Check vehicle valuation","confidence_score":0.009438401}]},{"text":"I do have a savings account. Yep.","start_word":923,"end_word":929,"intents":[{"intent":"Check savings account","confidence_score":0.5313347}]},{"text":"And do you have any other loans, personal loans, credit cards, anything like that that I have to take into account?","start_word":993,"end_word":1013,"intents":[{"intent":"Check personal loans","confidence_score":0.21454966},{"intent":"Check credit cards","confidence_score":0.23518813}]},{"text":"Anything else on the cards for you guys in the next sort of three years that are important cash flow wise or financial goals? I was always wondered what with the super whether it's better off putting into, like, a if you can afford to log into a property or something along them lines Yeah.","start_word":1645,"end_word":1699,"intents":[{"intent":"Evaluate financial goals","confidence_score":0.1892547}]},{"text":"Now when you go to borrow, borrowing's a little bit tricky on your super because there's a lot of regulations and restrictions. So they call it an LRBA, limited recourse Yes. borrowing arrangement.","start_word":2090,"end_word":2122,"intents":[{"intent":"Discuss borrowing arrangements in super","confidence_score":0.00022110513}]},{"text":"So most of your money is in, like, shares, property, and gold, trying to get those high long term returns. Average benchmark, I would say, would be about 10% would be the average that we're trying to hit to get you on track for the retirement goal. Does that make sense?","start_word":2264,"end_word":2314,"intents":[{"intent":"Discuss long-term returns in super","confidence_score":0.015668653}]},{"text":"So most of your money is in, like, shares, property, and gold, trying to get those high long term returns. Average benchmark, I would say, would be about 10% would be the average that we're trying to hit to get you on track for the retirement goal. Does that make sense? Yep.","start_word":2264,"end_word":2315,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.22936322}]},{"text":"One of the things that I I tend to talk clients through, and I I try not to use too much finance jargon because it just gets really annoying after a while, is we talk about the term of volatility. Right?","start_word":2622,"end_word":2662,"intents":[{"intent":"Evaluate financial stability","confidence_score":0.0023351696}]},{"text":"The stock market dips for a little bit. Your contributions go in. You can buy Yep. some shares, property gold for a cheaper price. And then when the market bounces back, you get those high double digit returns. So what tends to happen is your super could go up ten, twenty, 30%. It could go down 15%. Yep.","start_word":2840,"end_word":2897,"intents":[{"intent":"Analyze investment options","confidence_score":0.0015194772}]},{"text":"Like, your house goes from $600 to 500. I'm gonna run off and sell that house. And then Yep. all of a sudden, six months later, you find out that the house market's back up, and you've got to go back in. Yep.","start_word":3187,"end_word":3229,"intents":[{"intent":"Inform about house market","confidence_score":0.0014682758}]},{"text":"So if you look in the middle, you can see most of your funds sitting there at 22%, 13, a 100%, 33. Like, the growth is just insane. Yep.","start_word":3558,"end_word":3586,"intents":[{"intent":"Compare funds","confidence_score":0.017510008}]},{"text":"We've got about two or three funds that we've been looking at recently. I will do the comparisons up and update your statement of advice, which has all of your figures and goals and everything in it, and then we'll run through that together, make sure you're happy with what I'm thinking we should change. And if you're good to go on that, I can switch it around a little bit.","start_word":3906,"end_word":3976,"intents":[{"intent":"Switch funds","confidence_score":0.29147395}]},{"text":"I will do the comparisons up and update your statement of advice, which has all of your figures and goals and everything in it, and then we'll run through that together, make sure you're happy with what I'm thinking we should change. And if you're good to go on that, I can switch it around a little bit. Yep.","start_word":3919,"end_word":3977,"intents":[{"intent":"Update statements","confidence_score":0.047061644}]},{"text":"Outside of that, again, there's been no, like, major changes in terms of fees or features for the superfund, so there doesn't seem to be much of a reason to look at changing superfunds. Again, Yep.","start_word":3985,"end_word":4020,"intents":[{"intent":"Discuss superfund fees","confidence_score":0.006529627}]},{"text":"Now in terms of that $90,000 income that you have, I'm basing everything off what your employer puts in. Are you looking to do any, like, salary sacrifice at the moment? Are you wanting to put $50 a week into your super, get a bit of a tax deduction for it, or are you trying to focus your cash flow on, say, the mortgage?","start_word":4155,"end_word":4218,"intents":[{"intent":"Evaluate cash flow","confidence_score":0.008891723}]},{"text":"Are you looking to do any, like, salary sacrifice at the moment? Are you wanting to put $50 a week into your super, get a bit of a tax deduction for it, or are you trying to focus your cash flow on, say, the mortgage?","start_word":4174,"end_word":4218,"intents":[{"intent":"Propose salary sacrifice","confidence_score":0.00016753777}]},{"text":"We can even do a few things after 60 as well, like a transition to retirement strategy. There's all kinds of things we can do. I just wanna kind of tailor it to what's going on in your life. Yep.","start_word":4308,"end_word":4347,"intents":[{"intent":"Plan retirement strategy","confidence_score":0.031907126}]},{"text":"Now when you mentioned before possibly using your super to buy investment properties, are you looking at doing any investing personally? Buying investment properties, Yeah.","start_word":4650,"end_word":4674,"intents":[{"intent":"Evaluate investment options","confidence_score":0.046220955}]},{"text":"you can direct the super fund with one of these forms for the Supergo directly to your partner, and it's the quickest Yeah.","start_word":5319,"end_word":5341,"intents":[{"intent":"Direct super fund","confidence_score":0.82037956}]},{"text":"So if there's no nomination currently, that's an issue. If Yep.","start_word":5381,"end_word":5391,"intents":[{"intent":"Get nomination","confidence_score":0.007115004}]},{"text":"Are you okay for me to send you the hub beneficiary forms? And then we can just put on there either her directly. That's the quick way it's tax free. If the will's taking care of it, we can do that type of Yep. nomination too.","start_word":5495,"end_word":5540,"intents":[{"intent":"Send forms","confidence_score":0.048878837}]},{"text":"If it's nonbinding, then the super fund has discretion on who it goes to. Yep. The other question that's a little bit more serious is do you want it to expire or not?","start_word":5691,"end_word":5723,"intents":[{"intent":"Clarify policy requirements","confidence_score":0.21693604}]},{"text":"And then it's really just, like, replacing the lost income. Right? Are you kind Yeah.","start_word":6073,"end_word":6087,"intents":[{"intent":"Replace lost income","confidence_score":0.297891}]},{"text":"One of the things too is, let's say you're sitting there with 900,000 and you can never work again. You can invest that and live off the growth of it as well. So that 900,000, that can last like as if you had a million dollars of super and you were retired.","start_word":6295,"end_word":6346,"intents":[{"intent":"Plan retirement","confidence_score":0.0030148022}]},{"text":"So at the moment, if it's not hurting the super too much, are you okay to leave that amount of cover for now, and then we'll sort of see how it looks in twelve months? Yeah.","start_word":6452,"end_word":6487,"intents":[{"intent":"Update insurance cover","confidence_score":0.000004924705}]},{"text":"It's almost $2 a year, and you get a 15% tax rebate off of that out of the super.","start_word":6733,"end_word":6751,"intents":[{"intent":"Request tax rebate","confidence_score":0.011262715}]},{"text":"Not sure, to be honest. Like, 20, 30, 40, would that be getting a bit too Yeah. expensive?","start_word":7190,"end_word":7207,"intents":[{"intent":"Compare insurance policies","confidence_score":0.008920263}]},{"text":"So when we do these reviews, we can at least talk to you about it and sort of see if that's something we can look into.","start_word":7528,"end_word":7553,"intents":[{"intent":"Review and discuss","confidence_score":0.0013199581}]},{"text":"But any feedback on services and things like that? Like, have you been having a good service so far? Has it been going well for you?","start_word":7813,"end_word":7838,"intents":[{"intent":"Request feedback on services and services","confidence_score":0.0018218926}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.06457455456256866},{"text":"Good afternoon, Sam.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3823670446872711},{"text":"It's Tommy here, senior adviser from Oakview. How are you doing today?","start_word":4,"end_word":15,"sentiment":"neutral","sentiment_score":0.30759546160697937},{"text":"Good. Yourself? Right. Living the dream. It's a beautiful week on the Gold Coast. How about your end?","start_word":16,"end_word":33,"sentiment":"positive","sentiment_score":0.5819305181503296},{"text":"It's not too bad. Yeah. Down here. A little bit cloudy, but a bit cold. Not too bad. Has it cooled down a little bit? Yeah. It's starting to cool down now.","start_word":34,"end_word":65,"sentiment":"neutral","sentiment_score":-0.009748217649757862},{"text":"So Good to hear, mate. Good to hear.","start_word":66,"end_word":73,"sentiment":"positive","sentiment_score":0.463486760854721},{"text":"I was just giving you a call to go through your annual review if you still have a few minutes for me. Yep. Sure. Let me do.","start_word":74,"end_word":100,"sentiment":"neutral","sentiment_score":0.17205435037612915},{"text":"Fantastic, sir.","start_word":101,"end_word":102,"sentiment":"positive","sentiment_score":0.6158502101898193},{"text":"Before I send through your annual review pack, I just wanna let you know that the calls are always recorded for training and quality purposes. Are you okay to go through a quick security check with me? Yep. Awesome. Now we don't have a security question on file, so I just wanna let you know that I am registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Yep. Actually, not the first eighty four, and address is 229 Alders Road, Knox Bendigo, Victoria.","start_word":103,"end_word":194,"sentiment":"neutral","sentiment_score":0.09085708856582642},{"text":"Fantastic. Fantastic.","start_word":195,"end_word":196,"sentiment":"positive","sentiment_score":0.5661394596099854},{"text":"Now, Sam, I have a full pack ready to go. I'm gonna shoot it through to your Hotmail address. Is that Yep. still current Sam underscore fit? Yep. That's correct.","start_word":197,"end_word":226,"sentiment":"neutral","sentiment_score":0.16635136306285858},{"text":"Awesome.","start_word":227,"end_word":227,"sentiment":"positive","sentiment_score":0.3449938893318176},{"text":"Will you have access to that today to look on with me, or do you want me to just kind of explain what's there? Yeah. I can't. It's just That's okay. it's There's a few documents which would can be really cool for you to look only at after this do call as well. it Your on Superfund with my Hub 24, they've side. got this new Yep. engaged function that they've done, which produces some really cool looking reports that are a little bit easier on the eyes than the usual ones. It's not just a table full of numbers. So I've attached that extra report there as well for you. Before I jump into the details of the strategy, I just wanted to ask you if there's anything in particular you wanted to get out of this year's review. Not off the top of my head. Yep. Just a bit of a general update. Nothing too crazy has changed on your end. No. Not really. No.","start_word":228,"end_word":395,"sentiment":"neutral","sentiment_score":0.11033336507777372},{"text":"Awesome. Awesome.","start_word":396,"end_word":397,"sentiment":"positive","sentiment_score":0.480252742767334},{"text":"So one of the things I would like to do is I wanted to update a few of your details on file. We have changed systems over Christmas, and I just wanna see if there's been any major changes there. And then I'll dive into your super performance. We'll quickly touch on your policy that's attached to your hub account, little bit of a site planning, and we can go from there if that's okay. Yep. No damage.","start_word":398,"end_word":475,"sentiment":"neutral","sentiment_score":0.17162597179412842},{"text":"Awesome.","start_word":476,"end_word":476,"sentiment":"positive","sentiment_score":0.6094051599502563},{"text":"Now goals wise, we had you retiring at the age of 65, trying to produce an income of about $1,500 a week after tax.","start_word":477,"end_word":500,"sentiment":"neutral","sentiment_score":0.30690041184425354},{"text":"Ideally, obviously, if we can try and get you to retire a bit earlier, that would be nice. You can access your super at 60.","start_word":501,"end_word":525,"sentiment":"positive","sentiment_score":0.3626358211040497},{"text":"Do you have a bit of a preference on trying to retire as early as humanly possible, or are you okay to work through to those later years? What's your preference?","start_word":526,"end_word":556,"sentiment":"neutral","sentiment_score":0.07665929198265076},{"text":"Well, I think everyone's called us to try and retire early, ain't it? It's very strange.","start_word":557,"end_word":572,"sentiment":"negative","sentiment_score":-0.3398365378379822},{"text":"I asked that question a couple of thousand times, and it's actually been a fifty fifty split. Half Error. of the people tell me if I won the lotto tomorrow, I'd be out of the rat race, and the other half go, I wouldn't know what to do with myself. I always wanna have something to do. So it's a pretty interesting question to ask, but you seem to form the let's build it up as quick as possible. Yeah. Well, I reckon if you're on the the LOTA, do you find things to entertain yourself with for a while? Yeah. Yep. That is true. That is true. Mate, there was a few other things going on in your life since we last spoke. You're really just focusing on, obviously, paying down your mortgage Yep. and basically just getting that debt free by retirement too. Can I just quickly check with you? Because the property market's gone a bit strange. We had your value of your home at about 650,000, and you were owing about $3.20. Do you reckon that's changed significantly? It's potentially going up the market, but it would be, I don't know, probably another 50 gig or take. Yeah. Yep. Maybe around 700 would be a good estimate. Yeah. Yep. Yep. And do you reckon you've paid down much more of that mortgage below 300, or have you when was the last time you checked? Alright. To be honest, I haven't checked for a while. So the wasp That's I'll just okay. I'll leave that in me. Your wife's capable hands that part. Yep. Do you want me to leave that at 03:20 for the time being? Yeah. If you could. Yep. Might as well. Yep. No worries. Other assets and liabilities, we had a motor vehicle valued at 40,000 and another car valued at 15. Do Yep. you still have both of those? I do. Yep.","start_word":573,"end_word":892,"sentiment":"neutral","sentiment_score":-0.05021136760478839},{"text":"Awesome.","start_word":893,"end_word":893,"sentiment":"positive","sentiment_score":0.4195767641067505},{"text":"We don't have anything listed in the way of savings. Do you have much in the way of an emergency fund, savings in an offset account, anything like that? I do have a savings account. Yep. Are we talking $5.10, $15.50? You don't have a million dollars floating under the No. mattress, No. do you? No. No. No, man. Nah. It's it's it's just the it's between fifteen and twenty. Cool. I'll go fifteen for a low estimate just to be conservative. Yeah. Mhmm. Anything else in terms of assets? No shares, crypto, anything else floating around? No. Awesome. And do you have any other loans, personal loans, credit cards, anything like that that I have to take into account? I do have a line with what's their name? Harmony, I believe it's called. Harmony? What type of loans do Harmony do? Are they, like, personal loans? Or Yeah. Personal. Yeah. Pretty much personal. Yeah. Yeah. That's all it is anyway. Personal loan. How much would that be sitting at? So it's at about 10, I think. $10. Yep. 10. 10. Not Yep. too bad. And in terms of, like, cash flow, so we had you as a carpenter earning about 85,000. Is that still correct? Yeah. Well, I'm well, still technically in the code. I do curtains and blinds now. Curtains and blinds.","start_word":894,"end_word":1117,"sentiment":"neutral","sentiment_score":0.018577879161706994},{"text":"Fantastic. Yeah.","start_word":1118,"end_word":1119,"sentiment":"positive","sentiment_score":0.5389004945755005},{"text":"And it's it's similar money. Yeah. Yep. So do you want me to leave it at the 85 income wise? Do you think it would have gone up or down a little bit? It's probably gone to 90, give or take, but not yeah. Yep. Yep. Now I It's need to. it's Curtain's more in one it's still more on the just train. yet. No. No supplying a vehicle or anything like that. So that's where it adds on top of the carpentry because you used to have you pay your own way there.","start_word":1120,"end_word":1213,"sentiment":"neutral","sentiment_score":-0.00792006216943264},{"text":"Perfect.","start_word":1214,"end_word":1214,"sentiment":"positive","sentiment_score":0.4005976915359497},{"text":"And what I did notice was your contributions had switched around from the employers. So you're currently with let me guess it. Let me guess it. You're with Freedom. Now you're with O'Brien. That is correct. Yep. Awesome. So employer name was Wild Homes at the time. Should I update that to O'Brien? Yeah. So it's it's dull curtains and blinds technically, but it's t y o, Brian, something installations or something along their lines. Okay. I'm gonna have to quickly double check that again with you. So t y o O'Brien. And what was it? Something curtains and blinds, did you say? It's Dollar Dollar Curtains and Blinds is There the business we go. is the business name. Yep. Dollar curtains and blinds.","start_word":1215,"end_word":1338,"sentiment":"neutral","sentiment_score":-0.002325977431610226},{"text":"Fantastic.","start_word":1339,"end_word":1339,"sentiment":"positive","sentiment_score":0.4296564161777496},{"text":"No. That's okay. I can match those up. That is no worries. Still full time, that kind of thing. With curtains Yep. and blinds, are you it said that you were kinda still working at some kind of heights, but nothing over 12 meters. I'm assuming most of what you do is kind of like indoor curtain and blinds Yeah. Yeah. installation. Yeah. There is some outdoor stuff, but it's not it's only yeah, same sort of setup. It's only really to window hot, so one or two steps off the ground. Yep.","start_word":1340,"end_word":1432,"sentiment":"neutral","sentiment_score":0.045906370210271046},{"text":"Awesome. So we go window height, one or two steps. That is brilliant.","start_word":1433,"end_word":1445,"sentiment":"positive","sentiment_score":0.5161849856376648},{"text":"Family wise, we had you married with Kayla, and Yep. you had three children as Yep. well. Yep. K. Is your youngest over 18 now or still about 17? Yeah. She's 16. Yep. And I'm the oldest two are 18 and 19. So Yep. Okay. So that's still current. Perfect. I thought yep. maybe that was a bit out of date. Phone number and email address is still the same. Yep. Home address is still the same.","start_word":1446,"end_word":1522,"sentiment":"neutral","sentiment_score":0.0072951712645590305},{"text":"That's perfect.","start_word":1523,"end_word":1524,"sentiment":"positive","sentiment_score":0.3381462097167969},{"text":"Last couple of things here is you've never gone through any bankruptcy or debt agreements before, have you? No. I don't Perfect. believe This one's a little bit of a weird one, but it's a new question from us, and we do have to double check. Are you considered a member of a foreign tax residency by any chance? you. I'm No. Awesome. And we did have a note that you did have in place, like, a will and a power of attorney. Is that correct? not. Correct. Awesome. Would that still be current? It's not out of date or old or anything like that? No. It should still be. Alright. Yep.","start_word":1525,"end_word":1636,"sentiment":"neutral","sentiment_score":-0.04229184985160827},{"text":"Perfect. Amazing work.","start_word":1637,"end_word":1639,"sentiment":"positive","sentiment_score":0.48418647050857544},{"text":"Alrighty. That's pretty much it. Anything else on the cards for you guys in the next sort of three years that are important cash flow wise or financial goals? I was always wondered what with the super whether it's better off putting into, like, a if you can afford to log into a property or something along them lines Yeah. Yeah. or Like a self managed keeping it fund yeah. or something Or or like that. keeping it in the mark in the market. No. Well, that is one of my favorite topics, and we've been talking about that a lot with people recently. Yep. I'm gonna pull up your account. Just please bear with me. My laptop is going very slow, and Yep. I wanna get you today's figures.","start_word":1640,"end_word":1769,"sentiment":"neutral","sentiment_score":0.053479685863623255},{"text":"I've sent all that through in the reports as well, but it's looking pretty good.","start_word":1770,"end_word":1784,"sentiment":"positive","sentiment_score":0.3554195761680603},{"text":"Okay. So you're sitting at a $178,006.52. Yep. One thing I'll quickly touch on just before I answer that question is more around the recent fluctuations because what basically happened is after Christmas, stock market's taken a bit of a dive with the war in Iran, and Yes. you actually had a bit of a drop from a 184 down to $1.67, and then it's bounced back up to $1.78 $6.05 2. So it's kind of bounced back just in a week and a half's time. Yep. Now when it comes to, like, cell phone and super funds, so with all of these funds, you're with Hub twenty four. We call it a wrap platform. It has the most kind of investment options in the industry. There's about 1,300 options.","start_word":1785,"end_word":1914,"sentiment":"neutral","sentiment_score":0.004488853737711906},{"text":"We can pretty much invest you into anything in terms of shares, property, gold, infrastructure, term deposits, anything that we need to do to get you, I guess, a diversified portfolio, I would say, to try and get you to that retirement goal.","start_word":1915,"end_word":1957,"sentiment":"positive","sentiment_score":0.3481007516384125},{"text":"Yeah. Now if you go through for, like, a self managed super fund as an example, you might pull your super together with your partner. And, basically, what you've gotta do is with an accountant, you would set up your own super funds, which means Yep. you would set up, like, a trust fund. And as a trustee, you would set up a like, a company is pretty standard. So, like, a trust fund and a company. The advisers such as ourselves, we usually do self managed super fund advice, like which bank account should you go with to pull your money into. Once you've purchased a property, how can you invest the rest of the funds alongside the property so you've got both of them working together, if that makes sense. Now when you go to borrow, borrowing's a little bit tricky on your super because there's a lot of regulations and restrictions. So they call it an LRBA, limited recourse Yes. borrowing arrangement. And all that really means is you have to be careful borrowing money on your super. So you have to actually set up a whole another trust and trustee. So you got two trust funds, two companies. One's called a bare trust as opposed to a normal trust that actually holds the loan itself. So there's a bit of work that goes into it. Probably costs on average about $5 to set all of those entities up, another $5 for the advice, and then you've got to actually go out, find the property, and get the loan. So they can be quite a bit involved there. Yes. Now just having a look at what's been going on with the super at the moment, you're in what I would call, like a high growth fund. Does that ring a bell? Yep. Yep. So most of your money is in, like, shares, property, and gold, trying to get those high long term returns. Average benchmark, I would say, would be about 10% would be the average that we're trying to hit to get you on track for the retirement goal. Does that make sense? Yep. Yep. Now when I go through your performance report, even despite the market going pretty crazy, you've still cleared a 15% return after fees. Yep.","start_word":1958,"end_word":2340,"sentiment":"neutral","sentiment_score":0.07593071367348454},{"text":"So you're actually one of the best ones I've seen at Oakview and around the industry. You've kind of outperformed pretty much everybody. It's actually going very, very well at the moment.","start_word":2341,"end_word":2372,"sentiment":"positive","sentiment_score":0.5689554810523987},{"text":"One thing that I wanted to kind of double check with you is, obviously, in order to kind of retire earlier, you still need to get some high long term returns to build it up because you can't retire on a $178. We need Okay. to get you up into those, you know, 750,000 million dollars, that kind of ballpark. Does that make sense? Yep. So when you're growing your super, high growth's okay when you're a bit on the younger side. But once you've built up those funds, you do need to protect it at some point. So when you get close to retirement, you probably don't wanna be 63 sitting in high risk, and then you lose half your super a year before you go to live off of it. Does that make sense? Yep. So what that basically means in between is if you stay high growth, it's gonna go up and down like a bit of a roller coaster ride. Do you ever log in to your hub to keep an eye on it, or was that more just leave it in our hands? Sometimes I do. Yeah. Yep.","start_word":2373,"end_word":2565,"sentiment":"neutral","sentiment_score":0.025996281220119235},{"text":"Thanks.","start_word":2566,"end_word":2566,"sentiment":"positive","sentiment_score":0.3685458898544311},{"text":"Yep. Anything crazy there? Were you were you worried about it, or are you okay with how it's been going? It looks like it's going okay. It's more just a uncertainty around what's happening with the water, I suppose. Yeah. And what yeah. Where it got where it's gonna head and And 100 yeah. percent. One of the things that I I tend to talk clients through, and I I try not to use too much finance jargon because it just gets really annoying after a while, is we talk about the term of volatility. Right? What tends to happen when these events happen and everything pops up on the news is your soup is kind of growing along nice and steadily. And then once the news kicks off that there's a war and an oil crisis and all this kind of thing and interest rates moving, it tends to go up and down a lot faster. So higher highs and lower lows. Yep. Now one of the, I guess, the reassuring things is you look at these, like, we call them market cycles. Every seven years, the soft market grows up, and then it crashes. It grows and it crashes. It grows and it crashes. And, basically, if you remember, we had the GFC back in 2009. We had Yep. COVID. Now we've got this situation, which could turn into something similar. That type of pattern just keeps repeating itself forever. Does that make sense? Yep. Yep.","start_word":2567,"end_word":2814,"sentiment":"neutral","sentiment_score":-0.09351713642958671},{"text":"So what tends to happen there is usually, it's okay to kind of use these opportunities as maybe even a bit of a buying opportunity.","start_word":2815,"end_word":2839,"sentiment":"positive","sentiment_score":0.38936540484428406},{"text":"The stock market dips for a little bit. Your contributions go in.","start_word":2840,"end_word":2851,"sentiment":"neutral","sentiment_score":0.09022250026464462},{"text":"You can buy Yep. some shares, property gold for a cheaper price. And then when the market bounces back, you get those high double digit returns.","start_word":2852,"end_word":2877,"sentiment":"positive","sentiment_score":0.37348616123199463},{"text":"So what tends to happen is your super could go up ten, twenty, 30%. It could go down 15%. Yep. What we're trying to do is average it out at that 10% over a long period of time. So what that equates to dollar terms for you is because of your income level, let's say your employer is putting in their usual, like, 12%. You could have 9,000 going in, but because you're sitting at a 178 now, if the market goes up or down 10%, we're talking $20,000 up, $20,000 down.","start_word":2878,"end_word":2969,"sentiment":"neutral","sentiment_score":0.21180976927280423},{"text":"So your super is now growing more than what you're putting in in contributions.","start_word":2970,"end_word":2983,"sentiment":"positive","sentiment_score":0.4520010948181152},{"text":"Yes. So what I wanna check with you is, are you kind of okay to still focus on that kind of long term return while you've still got that twenty years to go? Because we would normally look at protecting it and reducing the risk in the last seven years or so. Yes. I've said I could stay with the high risk at the minute and then hope for the best. The high risk. Yeah. And, Yep. look, it's not really even leaving things to chance really because one of the things that people ask me is like, hey. When the world's on fire, can you just put me in something safer and then put me back in when everything's okay on the news? And it's just what I've found over my career over the last sort of twelve to thirteen years is no one can time when to do that no matter how good they are, not even Warren Buffett. Yep. So what tends to happen is I say this all the time.","start_word":2984,"end_word":3157,"sentiment":"neutral","sentiment_score":0.008148460648953915},{"text":"News kicks off with COVID and someone super crashes down.","start_word":3158,"end_word":3167,"sentiment":"negative","sentiment_score":-0.33945801854133606},{"text":"They pull it all out to cash, which is like selling everything, and you Yep. crystallize that loss. Like, your house goes from $600 to 500. I'm gonna run off and sell that house. And then Yep. all of a sudden, six months later, you find out that the house market's back up, and you've got to go back in. Yep. So what we tend to say is, like, are you comfortable, like, riding out those waves in the short term?","start_word":3168,"end_word":3248,"sentiment":"neutral","sentiment_score":0.07143182224697536},{"text":"Let your contributions buy up everything as long as the investments are good. Yeah. I'm happy to.","start_word":3249,"end_word":3265,"sentiment":"positive","sentiment_score":0.4335469603538513},{"text":"K? Now I'm not trying to be irresponsible with your super not trying to sit there and say, hey, mate. Yeah. Let it crash down to $90,000 or something silly like that. But it's just making sure that what you're in over time is gonna get you what you need. Yep. Now one thing that I can see here, which is the only worry that I've currently got, you've got about eight different investment options. So some of it's in gold, American shares, Australian shares, property.","start_word":3266,"end_word":3351,"sentiment":"neutral","sentiment_score":0.043537385761737823},{"text":"Most everything's done very, very, very well. That's how you've gotten that 15% return.","start_word":3352,"end_word":3365,"sentiment":"positive","sentiment_score":0.586883008480072},{"text":"Are you able to see that report that I've sent you through, or should I kind of just run you through what's in there? Which one's that one? Is that the tub one? Yeah. There's a hub one there, and it's a twelve month performance. And it's basically just got a big silly looking table with a whole Yep. bunch of numbers all over it. Mhmm. I can see So that. Yep. I'm gonna pull this up. Just give me one quick sec. So I pulled out about seven reports from your super fund, and I'm just trying to let it load. Yeah. Here we go.","start_word":3366,"end_word":3471,"sentiment":"neutral","sentiment_score":0.005871920380741358},{"text":"It seems to be crashing.","start_word":3472,"end_word":3476,"sentiment":"negative","sentiment_score":-0.3812435567378998},{"text":"Bear with me for two seconds, mate. There. Gotcha. And left. K. So the total portfolio return, 15 and a half percent after fees.","start_word":3477,"end_word":3500,"sentiment":"neutral","sentiment_score":-0.03813961520791054},{"text":"That's great.","start_word":3501,"end_word":3502,"sentiment":"positive","sentiment_score":0.6756515502929688},{"text":"Most of the ones, if you can see that table, it should have a whole bunch of codes on it. Like, the left hand column, it says b h y b and Yep. hack. Can you see all that? Yep. Again.","start_word":3503,"end_word":3543,"sentiment":"neutral","sentiment_score":0.13893248804095315},{"text":"Cool.","start_word":3544,"end_word":3544,"sentiment":"positive","sentiment_score":0.5357818603515625},{"text":"Yep. Right hand side, you can see the returns in percentage Yep. terms. So if you look in the middle, you can see most of your funds sitting there at 22%, 13, a 100%, 33.","start_word":3545,"end_word":3579,"sentiment":"neutral","sentiment_score":0.25732260942459106},{"text":"Like, the growth is just insane.","start_word":3580,"end_word":3585,"sentiment":"positive","sentiment_score":0.5315225124359131},{"text":"Yep. The only one that's underperformed is the Australian shares at the top. See the Bennelong one? Yep. So that one's gone down about eight or 9%, whereas the market's only gone down about six.","start_word":3586,"end_word":3620,"sentiment":"neutral","sentiment_score":-0.1096096858382225},{"text":"So it's kind of underperforming a little bit compared to everybody else in that Australian shares.","start_word":3621,"end_word":3636,"sentiment":"negative","sentiment_score":-0.3639746606349945},{"text":"Yep. So what I'm basically telling you is everything's above average. You're getting the target. Everything's performed well, but that one option has been underperforming for a little while. I would probably look at switching that out. Yes. Now one question I do have for you, and, again, I'm gonna make a recommendation for you, but I just wanna get your gut feeling on this. If you had to pick between low fees and it just follows the market closely or you pay some slightly higher investment fees to try and get a better return, which way do you lean? Which way is your gut telling you to go? Yeah. I'm not sure that's a question that always gets me. No. That's fine. You're currently in a mix of both. So we've got you in a mix where most of your money is in low fee investments, Bye. and Yep. a couple of little satellite options where we've got small amounts is in the active side that pays a little bit higher to try and get a little bit more. They're kinda like sled dogs that pull you along a little bit quicker. Does that make sense? Yep. So if you're comfortable with that style and things are going well and it's on track, I can keep with the same style. I can just switch that one option out for something that's a bit better like for like. So same style, but better performance.","start_word":3637,"end_word":3880,"sentiment":"neutral","sentiment_score":0.04537384212017059},{"text":"Yeah. I'll be happy with that, I reckon. Cool.","start_word":3881,"end_word":3889,"sentiment":"positive","sentiment_score":0.663178563117981},{"text":"So what I've gotta do in that case is we do a little bit of research. We've got about two or three funds that we've been looking at recently. I will do the comparisons up and update your statement of advice, which has all of your figures and goals and everything in it, and then we'll run through that together, make sure you're happy with what I'm thinking we should change. And if you're good to go on that, I can switch it around a little bit. Yep. Yep. Yeah.","start_word":3890,"end_word":3979,"sentiment":"neutral","sentiment_score":0.1360841542482376},{"text":"Cool. Now we're sounds good.","start_word":3980,"end_word":3984,"sentiment":"positive","sentiment_score":0.3900487720966339},{"text":"Outside of that, again, there's been no, like, major changes in terms of fees or features for the superfund, so there doesn't seem to be much of a reason to look at changing superfunds. Again, Yep. it's more just about the portfolio under the hood. Just bit of an engine tune, I would say. Yep. K? One thing in terms of, like, contributions and everything is now that they've changed the legislation, your employer is about to start putting it in every pay rather than, like, on a quarterly basis. Yep.","start_word":3985,"end_word":4075,"sentiment":"neutral","sentiment_score":0.06805424392223358},{"text":"So your contribution is gonna be coming in a lot more frequently, and they're gonna buy in a lot more frequently, which is really good for you.","start_word":4076,"end_word":4102,"sentiment":"positive","sentiment_score":0.4457117617130279},{"text":"It basically means that rather than waiting three months and missing an opportunity, if it's coming in every week, you get to buy every single week. Yep.","start_word":4103,"end_word":4129,"sentiment":"neutral","sentiment_score":0.2626308500766754},{"text":"So we call that dollar cost averaging. That's gonna be really good for everybody super. I am actually personally quite excited for that myself.","start_word":4130,"end_word":4153,"sentiment":"positive","sentiment_score":0.5767694711685181},{"text":"Yep. Now in terms of that $90,000 income that you have, I'm basing everything off what your employer puts in. Are you looking to do any, like, salary sacrifice at the moment? Are you wanting to put $50 a week into your super, get a bit of a tax deduction for it, or are you trying to focus your cash flow on, say, the mortgage? It's probably more the mortgage at the minute, but, yeah, I have thought about doing a $50 a week or something along their minds. Yep.","start_word":4154,"end_word":4243,"sentiment":"neutral","sentiment_score":0.11350703239440918},{"text":"At the moment, like, you're tracking really well for your age. You've got a decent balance. You're in high growth. You've a pretty good income. So your contributions and your growth should get you to a pretty good balance by the end. You don't have to rush off to do extra contribution today. It may be something that you do late forties, early fifties. We can even do a few things after 60 as well, like a transition to retirement strategy. There's all kinds of things we can do. I just wanna kind of tailor it to what's going on in your life.","start_word":4244,"end_word":4346,"sentiment":"positive","sentiment_score":0.5491594672203064},{"text":"Yep. So now we did have you saving at about a $100 a week. Have you talked with your partner about putting aside some some extra savings, extra repayments to the mortgage? How's the cash flow going? Yeah. We try and do the extra not been extra money on the mortgage, but we're Yeah. sort of with well, we went went to Europe earlier this year, and we're going to Bali again. So we have savings of sort of thing spent on traveling. I Yeah. Right. How much is Bartley gonna cost you? don't think Bali's sat there, to be honest, but, yeah, it's still everything's always in a few thousand dollars in it. Yeah. I mean, you might only spend 5 or 10 in Bali as opposed Yep. to 20 or 30 in Europe. Right? Europe. Yeah. Correct. Correct.","start_word":4347,"end_word":4486,"sentiment":"neutral","sentiment_score":0.1048833429813385},{"text":"Cool. I might just put that down as one of your goals just so we can track that that's important as well.","start_word":4487,"end_word":4508,"sentiment":"positive","sentiment_score":0.3812235891819},{"text":"Right. Yep. A bit of a Bali holiday in the next twelve months. Now would you say a $100 a week is still what you're able to put aside after all your expenses? Has that gone up with your income? Has that gone down with the cost of living and fuel? What what are you thinking? Sorta I'd still just stick to the $100, and if there's any leftover at the end of the week, I'll just chuck that in as well. So usually. Yeah. Yep. So So yeah. that all just goes into savings. Are you are you making, like, actual extra repayments, or do you guys use, like, an offset account? We've got the offset accounts as well. And then, yeah, just Perfect.","start_word":4509,"end_word":4633,"sentiment":"neutral","sentiment_score":0.14948663771152496},{"text":"all goes on the on the loan in the loan Amazing. account.","start_word":4634,"end_word":4645,"sentiment":"positive","sentiment_score":0.45332011580467224},{"text":"Yeah.","start_word":4646,"end_word":4646,"sentiment":"neutral","sentiment_score":0.28553131222724915},{"text":"Cool. Cool. Cool.","start_word":4647,"end_word":4649,"sentiment":"positive","sentiment_score":0.4648202061653137},{"text":"Now when you mentioned before possibly using your super to buy investment properties, are you looking at doing any investing personally? Buying investment properties, Yeah. getting into some shares of managed funds over the next ten, twenty years, anything like that? Potentially, yeah. That the only thing is I don't really know. Don't even know much about the, locking the stock market and that sort of stuff. So that's where the property sort of come into it. Yeah. So there's really no, I guess, wrong answer when it comes to investing as long as you don't overextend a bit too much. K. So Yep. your two real options are, you've got a bit in the way of equity, so you could potentially borrow off the home and buy an investment property. Are you thinking of staying where you are for a while? We will for a little bit. Yeah. We we discussed moving them. We thought, well, the kids are pretty close to who knows what they're doing whether they stay or leave. So Once there's they no go, are you gonna upgrade homes, downsize, move states? point. Yeah. That's not too sure. That's a conversation. Is it? I gotta get me head my wife's head around. Yeah. Totally fair. That's a big one. She's That she's is still a big she's one. still having trouble with the kids being adults and Trying going to doing their own thing. reconcile that they're 18 and they're almost Yeah. out of home. Yeah. Pretty much. Yeah. That's a tough one, mate. Mine are only six and three, and I've got another one on the way, so I'm well off that stage. But Yep. are they do you reckon they're all gonna be out soon? Are they pretty reliant? Are they pretty self sufficient? Well, it'd be a good kick out the bum for them, but yeah. So no. I don't know. It's an interesting one because it's so expensive for them to move out. So my my thing is I just prefer them to stay at home, save their money, and then buy a house if they can afford it. And that's one of the things. Like, when I talk investing for people, sometimes they like investing to build up some funds for when the kids turn 18. Your kids are very close to that point anyway, so it's not you're not gonna be able to build up too much unless you just pile in the savings and help them that way or, you know, Yeah. like you said, let them stay at home and build a deposit, go guarantor on a loan one day. That's probably the the things that you might be able to do. Yep. So what we can do is, like, we can obviously, we're looking after the super at the moment. If at any point you and Kayla wanna look at some investing, whether it's property, even your your Hub 24, they give you investment accounts like Yep. your super account, and you can put it in something safe, medium risk, high risk. We can build a whole different portfolio in there, and you can have it on the same login. Like, if you wanna do a bit of a dip your toe in the water with $10 one day and slowly build that up in the background, we can do that too. Or, again, you can borrow, get an investment property. Really up Yep. to you guys. Yep.","start_word":4650,"end_word":5231,"sentiment":"neutral","sentiment_score":0.06863958402648825},{"text":"Cool.","start_word":5232,"end_word":5232,"sentiment":"positive","sentiment_score":0.3463290333747864},{"text":"Yes. Cool. Sam, one thing I did see is on your hub account, we don't have your beneficiary up to date. Yep. Were you still wanting to nominate your partner to receive the super? Yeah. Yep. That that's yeah. Yeah. I think it's but, yeah, it's nominated to her, and then I think it all just gets split up between all the kids and whatever through the through the wheel. Oh, that's what I wanted to check because when you do a super nomination, Mhmm. you can direct the super fund with one of these forms for the Supergo directly to your partner, and it's the quickest Yeah. way you pass away, Supergo's in her name, all that kind of thing. Yep. But if you specifically wrote in your will for your super to be involved in the will, then we can aim your super to the will. So if there's no nomination currently, that's an issue. If Yep. you did do the super in the will, we can do a legal personal representative nomination to put it in that direction. Do you remember if you put the super in the will? Oh, I can't remember. Mine is is just pretty basic. Basically, yeah, whatever's there just between Goes to your partner. yeah. Then they split try and split everything, like, between all the kids and her. Yeah. So what I might do, if you can have a quick chat to your partner about that, just double check because either way will be okay, but we just wanna get the right nomination. Are you okay for me to send you the hub beneficiary forms? And then we can just put on there either her directly.","start_word":5233,"end_word":5517,"sentiment":"neutral","sentiment_score":0.08592236839365541},{"text":"That's the quick way it's tax free.","start_word":5518,"end_word":5524,"sentiment":"positive","sentiment_score":0.4327111840248108},{"text":"If the will's taking care of it, we can do that type of Yep. nomination too. Yep. Yeah. Might as well just, yeah, send either either and or both and whatever's easy. If it's easy just to go straight to her, then Yeah. just do When you that. do the forms, it's really easy. So when you get to the nominee for who you wanna nominate, you can literally either put her name down and say a 100%, or there's literally a box that says legal personal representative, which is your will. So either Mhmm. one. And you've just gotta get it witnessed by two people who are not your beneficiary Yep. and a little bit of an ink signature because it is a legal document. You can choose for it to be this is a bit of a strange question. You can choose whether you want it to be legally binding or not. So legally binding means the super fund has to do it. If it's nonbinding, then the super fund has discretion on who it goes to. Yep. The other question that's a little bit more serious is do you want it to expire or not? So you can have it expire every three years, or you can make it continuous. That's called non lapsing. Do you have a bit of a preference either way? The numb laps are one of the okay. Yep. Just a Good straight thoughts. up legally binding. Doesn't expire unless you change it. Direct. Yeah. Yeah. Yep.","start_word":5525,"end_word":5778,"sentiment":"neutral","sentiment_score":0.07293198755612289},{"text":"Perfect. Perfect. Perfect.","start_word":5779,"end_word":5781,"sentiment":"positive","sentiment_score":0.5177081823348999},{"text":"I'm gonna double check that that's on your insurance policy. Just bear with me for a second because I had your, like, your life insurance open just before, and I wanna make sure that's there as well. So I'll double check both. So what may come out to you is either a hub beneficiary or the hub and the insurance. It'll have a cover letter with some instructions. If you have any trouble, just call the team on the office number. They can walk you through it over the phone Yeah. in two minutes flat. No dramas. Is that okay? Yeah. It's fine.","start_word":5782,"end_word":5884,"sentiment":"neutral","sentiment_score":0.09090201556682588},{"text":"Perfect.","start_word":5885,"end_word":5885,"sentiment":"positive","sentiment_score":0.3589314818382263},{"text":"Let me just grab up this certificate of currency for you. Here we go. There it is. PS1634 is your policy number. I've got that there. There we go. MetLife. So you have pretty well a full suite of insurance cover through MetLife. I'm gonna double check that your million dollars worth of life insurance is going correctly. If there's no nomination on that, we'll get that fixed up too. Now last thing I want to go over with you, just with this policy, you've got a million and 50 worth of life insurance and total disability. So if you pass away, never work again, there's a million dollars plus your super. That pretty well knocks out your mortgage and leaves you with, oh, jeez, almost 900,000 left over. Yep. Yep. Now what does that kind of do for for Kayla and the kids? So if you let's say you can never work again. Mortgage is paid off. There's $8,900,000. What Yep. does that kind of do for the family? If you get rid of the mortgage, that's the the main one, isn't it? Yep. Main one. And then it's really just, like, replacing the lost income. Right? Are you kind Yeah. of like the breadwinner of the family? Do you guys earn equal amounts? Oh, we're pretty equal. And she's she's got a good government job, so Oh, yep. All the soft benefits there with the government work. yeah. With fix Victoria Police.","start_word":5886,"end_word":6129,"sentiment":"neutral","sentiment_score":0.032787021875503614},{"text":"Oh, beautiful. Yep. She gets all the best stuff, and you've got to do all the fancy strategies to catch Yep.","start_word":6130,"end_word":6150,"sentiment":"positive","sentiment_score":0.48886317014694214},{"text":"up. Yep. Yeah. Correct. That is correct. Look. I have I I'll be lying if I said I hadn't considered going to the public service one day to get a bit of a cushier position, Yep. but maybe that can be when when I'm bit older. Yep. What I was basically gonna say, your $90,000 income, that pretty much leaves you 70 grands after tax around about, like, not taking into account tax deductions. Yep. So if I go a million and 50,000 plus your super minus off your mortgage, look, we'll go after $3.20 for now. Yep. $90,870,000. So it gives you about thirteen years of income replacement after paying off your debts. Yep. Does that sound okay? Yeah. I think so. Because it yeah. You're well, if you get rid of the mortgage and whatnot, you'd probably don't need as much. Yeah. One of the things too is, let's say you're sitting there with 900,000 and you can never work again. You can invest that and live off the growth of it as well. So that 900,000, that can last like as if you had a million dollars of super and you were retired. Yep. So at the moment, I don't see any major issues in terms of, like, the cost of the life insurance. Like, it's $600 for the TPD a year at a super. It's it's not really hurting the super too much in terms of cost and premiums, if that makes sense. Yep. But one of the things I was thinking is over time as you pay down your mortgage, you can trim it down because it gets more expensive when you get older. And Yeah. if you don't have a mortgage anymore, well, then maybe you don't need a million dollars anymore. Yeah. Yep. Correct. So at the moment, if it's not hurting the super too much, are you okay to leave that amount of cover for now, and then we'll sort of see how it looks in twelve months? Yeah.","start_word":6151,"end_word":6487,"sentiment":"neutral","sentiment_score":0.0008637053831217905},{"text":"I'm happy with that. Okay. Perfect. Lucky last thing is you do have income protection as well.","start_word":6488,"end_word":6504,"sentiment":"positive","sentiment_score":0.5327228307723999},{"text":"Yep. So if you're out of work for more than ninety days, that will kick in 5,100 a month worth of income replacement all the way up to the age of 65. So what that's basically saying is that you've got enough savings to last a couple of months if you were out of work. Yes. Would you guys be able to get by for a couple of months? Her income, bit of the savings, and offset until that cover kicks in. Yeah. I think so. Yep. K. Again, we can always shorten the waiting period. It does make it more expensive, so I was wanting to run it by you. Now when I've got your income there, if I look at that, the maximum is 70%. And if I work that back, that is 5,250. So technically speaking, you're a tiny bit underinsured for your income. But if you're telling me that 5,100 a month is okay to live on and you guys will get by with the mortgage repayments and everything, Don't have to increase it. Just wanted to run it by you because your incomes increase. You can increase your insurance or just leave it as is. No. I'm happy to leave it as is K? Just we're gonna keep an eye on this one because the income protection, it's the more expensive one. It's almost $2 a year, and you get a 15% tax rebate off of that out of the super. right So now. that Yep. has a bit of an impact. If that increases, you probably don't wanna be paying $6.07, $8,000 when you're 50 if you Yep. don't need all that insurance. So we will have to trim it down at some point. Yep. That's it. One of the things too, you know how I mentioned salary sacrifice before? Yep.","start_word":6505,"end_word":6811,"sentiment":"neutral","sentiment_score":0.04013906183867967},{"text":"When you're all good with your goals for your mortgage and everything, if you put it in to offset the insurance costs, you get that tax deduction for the salary sacrifice.","start_word":6812,"end_word":6842,"sentiment":"positive","sentiment_score":0.33664384484291077},{"text":"It's almost like paying it out of pocket where it's fully deductible. So if at some point, we need to offset it by putting in that $50 a week, it may cost you, say, 35 in the hand because they put it in, like, pretax. Yep.","start_word":6843,"end_word":6888,"sentiment":"neutral","sentiment_score":0.09602433443069458},{"text":"So it's a way of getting $50 in the super. It costs you 35. You get a lovely little deduction there, and it covers costs, boost up your super.","start_word":6889,"end_word":6917,"sentiment":"positive","sentiment_score":0.4842550456523895},{"text":"When it comes time to do that, we can revisit that as well. Yep.","start_word":6918,"end_word":6931,"sentiment":"neutral","sentiment_score":0.2005729377269745},{"text":"Cool.","start_word":6932,"end_word":6932,"sentiment":"positive","sentiment_score":0.37151503562927246},{"text":"Cool. Mate, do you have any questions for me at the at the moment? I've gone through quite a bit with you so far. No. I think you've covered off most of it. Yep. Look.","start_word":6933,"end_word":6967,"sentiment":"neutral","sentiment_score":0.017621856182813644},{"text":"Everything is looking pretty good.","start_word":6968,"end_word":6972,"sentiment":"positive","sentiment_score":0.41351866722106934},{"text":"You don't have trauma insurance, which is for heart attack, stroke, and cancer. But, again, you're a bit tight on the cash flow there. Are you just happy to leave the life keeping in income protection, or do you want me to get a quote for that one? I'm not thinking. Oh, you can send her a card if you want, I suppose, but yeah. Yeah. Why not? I mean, what I'll do is when I go through that update for your investment option, I'll do a quote for, say, a 100,000 worth of trauma cover. So you have a heart attack, that's a 100 grands. Your partner can take a few months off work to look after you, cover medical expenses, things like that. When you go through that advice document, you can actually write at the bottom on the DocuSign. You can say, yes. I wanna go ahead with this or no. I don't. So you can kind of pick if you wanna do it or not. Yeah. I can.","start_word":6973,"end_word":7144,"sentiment":"neutral","sentiment_score":-0.032090783671497605},{"text":"Yep. Cool. So I'll do up a quote just to be safe with MetLife there and see what that's looking like.","start_word":7145,"end_word":7165,"sentiment":"positive","sentiment_score":0.3969569802284241},{"text":"Let's say it was coming out of pocket. What would be the maximum you would wanna pay per month for an insurance policy? Yeah. Not sure, to be honest. Like, 20, 30, 40, would that be getting a bit too Yeah. expensive? Yeah. Something like that would be fine. Cool. I'll put a cap of it at 40.","start_word":7166,"end_word":7223,"sentiment":"neutral","sentiment_score":-0.06584978103637695},{"text":"So if it's more than 40, I'm not even gonna recommend it.","start_word":7224,"end_word":7235,"sentiment":"negative","sentiment_score":-0.4402924180030823},{"text":"If Yep. it's under 40, I'll do the quote up so you can see it. Yep. I promise. Cool.","start_word":7236,"end_word":7254,"sentiment":"neutral","sentiment_score":0.02037872187793255},{"text":"Again, I don't want you paying a $120 a month for something if you don't value it.","start_word":7255,"end_word":7271,"sentiment":"negative","sentiment_score":-0.408439427614212},{"text":"Yep. Not in the interest of just trying to get you insurances, mate, but I do have to check. You don't have this one. Do you want it? That is okay. 40 a month max, $100,000 quote.","start_word":7272,"end_word":7308,"sentiment":"neutral","sentiment_score":-0.12343890964984894},{"text":"And the investment switch, that's all good.","start_word":7309,"end_word":7315,"sentiment":"positive","sentiment_score":0.42858263850212097},{"text":"Now last thing I wanted to check with you was just your thoughts on the whole self managed super fund thing that I mentioned before. Look.","start_word":7316,"end_word":7341,"sentiment":"neutral","sentiment_score":0.10329534858465196},{"text":"Everything is going well with the super so far.","start_word":7342,"end_word":7350,"sentiment":"positive","sentiment_score":0.5336210131645203},{"text":"We've got a bit of property mix into you into your portfolio. Is that something that you think you and your partner wanna sort of investigate this year, next year, and and sort of go through all of that? Well, yeah, at some stage before, yeah, we can't looking into it, but yeah. Well, it's not it not not in the near future anyway, I don't think. But K. And it's yeah. again, it's something that's pretty powerful, like borrowing money on your super can be somewhat dangerous, but really beneficial for having a bigger asset. It really just depends on crunching numbers. Once you've Yes. got your super there, how big of a property can you even purchase with that from getting a loan? And, you know, given the property prices, if you can get something that's good, great. If everything's a million dollars and you can only afford 600, well, then you've gotta wait until you've got a bigger balance. Yeah. Yeah. Yep.","start_word":7351,"end_word":7515,"sentiment":"neutral","sentiment_score":0.0712443324652585},{"text":"Cool.","start_word":7516,"end_word":7516,"sentiment":"positive","sentiment_score":0.3672928214073181},{"text":"Look. I'll put that down as something to come back to. So when we do these reviews, we can at least talk to you about it and sort of see if that's something we can look into. Again, when it comes to Oakview, we're pretty well self licensed to look at any kind of advice. So if you wanna steer the ship in a different direction, we're happy to follow you along. Yep.","start_word":7517,"end_word":7589,"sentiment":"neutral","sentiment_score":0.2529008388519287},{"text":"Cool. Cool.","start_word":7590,"end_word":7591,"sentiment":"positive","sentiment_score":0.33875420689582825},{"text":"Mate, I've sent you through the annual review pack. Have you had a chance to look at it much? I know you said you're gonna look on your phone, so maybe better off to look at it straight after the call if that's okay. Yeah. I might do that. Yep. Cool. So just to let you know what I've sent through, you've got that performance report we're looking at with Hub. You've got your certificate of currency for the insurances. Look. If something happens to you, we do help with the claims process. So if you're off work and you get sick, we're probably not your first port of call, but you can give us a buzz. We can help you through the forms, liaise with the insurer, help you get the money. Yep. There's a financial services guide. We always update our license details, services, who we are, team photos, all that fun stuff in there, complaints, procedures, everything is in there. So give that a read if you've got if you've got some inclination to do so. And I Yep. have included your service agreement as well. Now I do need to ask the all important question. Are you comfortable with Oakview looking after the Subaru for the next twelve months or so? Yeah. I think so. Yep.","start_word":7592,"end_word":7811,"sentiment":"neutral","sentiment_score":0.1570846072652123},{"text":"Cool.","start_word":7812,"end_word":7812,"sentiment":"positive","sentiment_score":0.5238386392593384},{"text":"But any feedback on services and things like that?","start_word":7813,"end_word":7821,"sentiment":"neutral","sentiment_score":0.21925070881843567},{"text":"Like, have you been having a good service so far?","start_word":7822,"end_word":7831,"sentiment":"positive","sentiment_score":0.35440632700920105},{"text":"Has it been going well for you? Yeah. It seems to be down. Okay. So far, so good?","start_word":7832,"end_word":7849,"sentiment":"neutral","sentiment_score":0.1812492609024048},{"text":"So far, so good.","start_word":7850,"end_word":7853,"sentiment":"positive","sentiment_score":0.3883578777313232},{"text":"Yeah. Yep. I guess until the world goes on fire and there's World War three and all the rest of it. But, again, if we need to change things, we're we're happy to do so. Yep. Okay.","start_word":7854,"end_word":7890,"sentiment":"neutral","sentiment_score":0.15095758438110352},{"text":"Awesome.","start_word":7891,"end_word":7891,"sentiment":"positive","sentiment_score":0.5049525499343872},{"text":"Mate, I'm gonna leave that in your hands to review. I'm just gonna quickly pull up the documents that I sent you Got just to ensure it's all correct because I don't want you to sign something that's not correct. it. Let me just have a look. We've got your pack here. And, again, please don't sign it until we've talked about it. Alright. So in there, you've got, like, a lost super search. Pretty standard with us. We always just shoot the the government a message to see if there's anything floating around we haven't taken into account. The fees are still 1.65%, and that's kind of split monthly throughout the year, and it's a twelve month agreement. So it's not like a a lock in for twelve months, but we do need consent every year to still Yep. be your advisers. Yep. Nine. I got Cool. Cool. The other one that I have to let you know about, tax file number declaration. Now Yep. there was a lot of cybersecurity issues in Australia last year. People sent some information getting lost. So instead of keeping tax file number in a whole bunch of different systems, we would just like you to opt in to keeping it on this one form, and we do need your consent because that is a very important number. And, you know, what what do you call it? Like, name fraud and things like that can happen. Cool. Mate, that new DocuSign that's come through, that's from our new system, Odoo. If you have any trouble with it, let us know, but there should be, like, a hyperlink button to jump in there and and sign it. Once you've done that, you can download a signed copy. There'll be a little pop up button for you. Yeah. Robert.","start_word":7892,"end_word":8195,"sentiment":"neutral","sentiment_score":0.07009081189569674},{"text":"Awesome, dude.","start_word":8196,"end_word":8197,"sentiment":"positive","sentiment_score":0.6909517645835876},{"text":"Mate, any last questions for me before I let you go? No. I don't think so.","start_word":8198,"end_word":8213,"sentiment":"neutral","sentiment_score":0.016937697306275368},{"text":"Awesome, dude. What we'll do, I'll leave that with you. We'll give you a call in a couple of weeks just to go through that quote and the change to the investments together, and we should be good to go.","start_word":8214,"end_word":8253,"sentiment":"positive","sentiment_score":0.41487547755241394},{"text":"Alright. No, Carlos.","start_word":8254,"end_word":8256,"sentiment":"neutral","sentiment_score":0.14650890231132507},{"text":"Awesome, Sam. You have a fantastic day, mate, and I'll talk to you in a couple of weeks. No worries. You too. Cheers, mate. Bye. Cheers. Thank you. Bye.","start_word":8257,"end_word":8285,"sentiment":"positive","sentiment_score":0.6146084070205688}],"average":{"sentiment":"neutral","sentiment_score":0.08553165756554303}}}}