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Hopefully, it's better for you. Yeah. All good. Daniel, I did have it booked in to go through your annual review this afternoon. Is now still a good time there for you? Yeah. That's that's okay. Not that's honestly, yeah, look, honest okay. If you if it's not a good time for you, I do not mind. I'm happy to work around your schedule. If you do have time to run through a status, absolutely fine. I don't wanna sort of make your day worse if if you're going through quite a lot, but at the same time, doing a new review might take your mind off of it. So how would you like to sort of proceed? What would you like me to do? Okay. Yep. That's okay. Absolutely fine. Not a problem at all. Well, I'm trying not to take up too much of your precious time there. Now we we had sort of sent you originally your annual review docs, and it looks like you have signed them. So I am happy to sort of send you a new copy, but what I'll do is I'll go through and give you an update of your sofa. I have had a bit of a look at things for you, and I can see that there is some advice that we might be able to provide to update for you. So I'll go through what I've been looking at, give you an update on things, and then we'll go through and update all of your circumstances as well. Okay? Excellent. Lovely. Now before I jump into the call completely, I do have to let you know we do record our call for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a really quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file there. Yep. Yep. Fantastic. Thank you so much for that. So, Daniel, just to give you a bit of an update. Now last time when we caught up for your annual review, last year, your balance was around 250,682. Looking at your balance as of the July 8, which is when we updated the documents, you're up to $266,001.44 there. So your balance has increased nicely. I'm just giving you an update because these documents were done about a month ago just to give you an update since then. So from July to now, your balance is now up to 274 thousand 113. So you've had another increase on that. Yeah. It is. It is. Hopefully, we start off with some good news to make it easier for you. Oh oh, yeah. Oh, that's good. When I sorta have a look at how your portfolio as a whole has return for the year and net of fees, it does show that your super fund has made, sorry, a lot much it is a lower return for the year. So it is around 2.97%, but it is wholly because of the market as a whole this year. We have seen a lot of ups and downs because what's been happening between The US and Iran. So that's because it has had quite an effect on equities as a whole. No. You're you're that's okay. No. You're fine. You're you're absolutely fine. Easy. You honestly, you're absolutely fine. Just tell me to stop if you need me to. It's not an issue at all. All good. No. I understand that. That's not a problem at all. When we sort of have a look so, obviously, your return is a little bit lower than where we would sort of like it to be for the year base that you are in that sort of high growth environment. It's around about 2.97% for the year, so it is a little bit low from where we'd like it to be. It is mostly because of what's been happening with the market as a whole, so between The US and Iran. But then here in Australia, we've also seen high inflationary rates as well, which also has an effect on on sort of fixed interest and bond rates as well. I have had a look at your portfolio. You have been in a sort of an older portfolio for a while now, and I sorta can see some investments where they might be slightly underperforming where we can certainly make some changes there. I would like to, if you're comfortable with, go back to have a really good look at some of the investments within your portfolio, Maybe look at a different portfolio that might give you some, greater growth, and you have some investments that may have been performing a little bit better. But also look at maybe a portfolio that's lower in cost for you, so to keep those investment fees as cheap as possible. Are you happy with me maybe having a look at that for you and updating things? Yeah. Yeah. Abs absolutely. And, I mean, one of the things to look at is, well, a portfolio a couple of years back might have been really great for you then. Essentially, having that updated every couple of years or as markets do change is really important because investments do perform well some years. Other years, they may underperform a little bit. One of the investments you do have in your portfolio, which up until sort of now has performed really well, has been the Benelong Australian Equities investment. That at the moment in your portfolio is down a little bit, and it is holding your portfolio back a little bit, which is sort of contributing to the lower rate of return this year. So I would like to remove that underperforming investment and replace it with something else. There are a couple of ways to consider investments within a portfolio. Benelon was originally put in there because it's more of an actively managed fund. So the investment manager within Benelung is trying to outperform against the market and obtain greater returns. Normally, when you have that kind of investment within your portfolio, you pay a little bit more in fees to do so. You pay more investment fees for those sorts of managers. Would you like me to maybe look at swapping that out and reducing the cost a little bit, maybe putting something in its place that's a little bit more passively managed, lower cost, or do you still wanna see some sort of active management in your portfolio? What would you sort of like to see? And if you're not sure, you can ask more questions. That's fine. You want us to look at it? Yeah. Yeah. No. That's okay. That's absolutely fine. And the reason we sorta asked that question is that some people do have a bit of a preference. So some clients do sort of whilst we make the final decision on what to put in the portfolio and update the advice to show you what we recommend, Essentially, some clients do have a preference to have some active management. Some don't want any. Some just want low cost. So we try to sort of incorporate and build portfolios that incorporates what you would like to see and feel and how you, you know, want to see your funds invested, and we utilize the market and the investors to build portfolios to suit you in that way. But if you're comfortable with it, I can go back and have a look at all the different portfolios. I can look at, you know, tax consequences for your super on on switching. I can look at just rebalancing things. I can look at all the different options and come up with a portfolio that's showing greater performance for you, might have put you in a better moving forward, might be cheaper for you as well, have more money left in your sleep by working harder for you, and all around, be a much greater portfolio. Would you like me just to look at everything and see what I come up with and just update the recommendations to show you how and what I'm recommending and why. Yeah. That's okay. Do you have questions? You're welcome to ask me anything if there's something you want me to explain in more detail or breakdown or if you had any additional questions in relation to any of that. Is there anything you kinda wanted me to break a bit further for you? If you don't, it's okay. It is. It absolutely is. I'd often do find that when we kinda do the annual review, when I sort of suggest going forward and looking and making recommendations, there often aren't a lot of questions there, but sometimes questions do come out when I'm looking at the advice document with you. So if you want, I'll go back. I'll have a look at your goals, look at what sort of portfolio works for you, how, and why. I'll come back and show you the advice document with what I'm recommending, the advantages, the disadvantages, and the risks involved. And then if you have questions when you're looking at that, that way you can sort of ask questions about the portfolio, what I'm recommending, and all that sort of thing. You're welcome to ask additional questions later. Does that sound okay with you? Would you be comfortable with that? Yep. Beautiful. And, look, if anything does come up question wise, but from now to when we go through the advice document, you can always give us a call, send me an email, or just contact us. I'll make time to answer those questions. I know sometimes when you put on the spot questions just don't pop up, but later on, you might be sort of running through the conversation or, you know, having a think about what we've gone through and something may pop into your mind that you wanna ask. So feel free to write it down or give us just contact us, and I'll happily make time to talk you through it. Okay? That's okay. Not a problem at all. So the next thing to sort of touch on there is your insurances. Security here. So you've got some insurances that are paid out of your super. You've essentially got your life cover and your TBD. Now having a look at the file notes I have from previous conversations with our team, it looks like with your TBD definitions, you've got what's called ADL. It's activities of daily living. Essentially, when you think about TBD, which is total permanent incapacity, it means you can never go back to work again. There are three main definitions that you can be insured for. One is your own occupation. That is, as you can imagine, the easiest the easiest sort of definition to claim on. It just means you never have to be able to go back to work in any occupation for which you are have worked prior to the disability. They have an any occupation definition, which means you to claim, you need to be never able to go back to work again for occupation which you have worked or educated or trained to have done. And then they have an ADL definition, which is activities of daily living. This is often provided to clients who have a very risky occupation, have major health issues, and are just not able to get an any or own occupation definition. And it means that in order for you to claim on the the total permanent disability insurance that you have, you'll need to meet two to three of the five activities of daily living. That's things like feeding yourself, dressing yourself, driving yourself around, you know, getting in and out of bed, showering and toileting, and things like that. So it is a much harder definition to sort of claim on. What I wanted to sort of look at doing was finding out a bit more about where this definition came from. I had a bit of a look through your file, and I can see it was originally recommended as this. I believe it's got something to do I've been trying to sort of go through your file and find out why you've had that definition provided to you, and I haven't been able to come up with an actual answer at the moment there. But do you remember having that conversation with anyone in the past about the insurance insurance that you're applying for? Does that ring a bell at all? No? No. That's okay. That's alright. I'm just going to, while we're chatting, just kinda go back and have a look to see if anything kinda comes out because I went through your file, and I just couldn't see the main reason behind it there. But just to sort of touch on your occupation, what is it occupation, what is it you actually do for work? So I've got you down here as a maintenance team leader. Is that right? Right. Right. And so so what does your day to day tasks look like in your role? What would you normally be doing on a day to day basis? Yeah. Yep. Right. Okay. So it's a fairly much more of a laboring sort of role there. You don't do any hikes or work explosives or underground or anything at all, do you? No. That's okay. I would like to go back to see if there's any possibility of maybe updating your insurances. Are you open with me doing a little bit of extra research around the definition of PPD and seeing if we're able to get anything additional for you? That might be I mean, I think one of the biggest things when you've got insurances, you if you're gonna be paying for these, especially out of your sleep, you wanna make sure you're able to claim on that cover. So because this this sort of definition is much harder to claim on, as you can imagine, to be able to meet the condition of not being able to do, say, two to three of the five activities of daily living, you have to be pretty well bedridden or disabled. So it means it's very much a hard definition to claim on. Yeah. No. No. Correct. Yeah. You absolutely would've had to answer medical questions and possibly do a medical. Yeah. Yeah. Right. Right. Okay. Yeah. I mean, realistically, when you sort of look at insurances, being on antidepressants and having mental health, it looks like you've also got a mental health exclusion on the policy, and that would be fairly normal. But, generally, whenever because mental health is one of the biggest things that our claim for, especially disability cover, they do add mental health exclusions under the policy there. So I could see that being a factor. But what I'll probably do, if you're comfortable with it, after the call, I'll book in a time for you to do maybe an updated pre assessment with one of my lovely admin team members. As part of updating your advice document, I can go back and review your insurances and look to see whether we can obtain a better definition for you. Are you comfortable with me looking at that? Yeah. Yeah. Absolutely. A pre assessment is just a bit more detail around your health. My admin will give you a call. Takes about five to ten minutes. They just go through and ask a few more in-depth questions about your health, about your family history, and about your work and occupation there, and then I take all of that back to the different insurers out there. I'll do what's called a blind pre assessment with them. So they don't know anything about you except except for what's in that pre assessment. They know don't know who you are. They just say you're a male of a certain age, and these are the conditions that you've disclosed. And then we ask them to come back with what kind of contracts they might have on offer. And then we can go to the plan and come back and say, well, look. We can update your definition and look at this amount of cover. This is the contract that would be on offer. This is what we're expecting out of the application. Are you comfortable doing that? We also show you the cost of it, so how it affects your super because you've got insurances paid out of super. We know that the more you pay for insurances, the less you end up at retirement. It does have an effect on your long term retirement because you're paying for out of your super funds. So we show you that as part of the projected outcome of what this looks like for you, how this is projected forward over the next five to ten years towards your retirement goals, and then we continue to review that for you. Admittedly, if you you're right. So that's that's the well, that's the other thing it comes down to. Is it important to you? So when we have life insurance and even TBD insurance, we're generally wanting to make sure we have a certain level of cover in the event that something happens to us. So to go through the different levels of cover you have at the moment, you've got life cover showing a sum or a sum insured of 701,984, plus you've also got your super balance there of about 274,000. So if we look at this in a way that of a claim, if I add them together, if you were to pass away today with your life benefit of that $701.09 $8.04 plus your super benefit paid out, your beneficiary could receive a lump sum of a bit over 975,000. If you were to it's lovely. Well and I don't wanna give any ideas there, but just sort of confirming, like, if you were to pass away today, are you wanting that to be paid out to Kylie? So Kylie is your wife. Is that right? Yeah. Yep. And when you think about what that will cover, so I've got down here that you've got your main primary residence and that you've also got an investment property. If you think about this amount of cover and what that could do for her now just double checking the debt level. Sorry. You're right. Right. That's okay. Yeah. No. That's absolutely fine. So you've got two investment properties now. Now just double checking the debt levels for you. So your main primary residence, we had a an a loan owing on that with a 400,000 last year. Do you still owe the same amount, or have you reduced that loan a little bit? No. The main primary residence, so where you're living. Yeah. Beautiful. So no debt on that property. Now I've got your the older investment property that you owned last year when we did the under review, again, I had a debt owing of 400,000. What do you owe on that investment property? That's okay. You're right. 400And35000. Lovely. And can I just ask as well what suburb is that in just so I can allocate which property is which? Werribee Beautiful. Thank you for that. And it was about 435,000, you said, owing on that one. Yep. And that's that's absolutely fine. It's not a problem at all. And the secondary investment property, the new one that you have, what suburb is that located in? Glass North. Yep. Beautiful. And what sort of debt do you have on that property currently? Yeah. Okay. Beautiful. Now if we had a look at that 975,000 if you were to pass away today and we say try to pay off as much of those loans as possible, Yeah. So paying off the property with the 435 owing, that essentially leaves 540,000. So it doesn't quite pay off the other property, but you could pay off one or each of the property like, one of the properties, which would leave her with one investment property generating income for support and then maybe a little bit of extra money left over. Or if she, you know, needed to pay off that, say, we've got $9.63 and we've 540,000, it would leave, sorry, $6.93. $6.93 minus 540,000. It would essentially leave a debt of about 153,000 if she used a lot money to pay off as much of both those properties as possible. But then if she sort of wanted to keep those, they could be producing rental income to support her long term. When yeah. So do you feel like being covered for that 701,984 for your life insurance is suitable knowing your super balance is paid on top of that to support, or would do you feel like you would like to have a little bit more life cover? What's how do you feel about that? That's okay? Yep. Yep. Absolutely. That's definitely another option where she could, you know, pay off one of the properties, sell the other one, clear the debt, and have a little bit left over from maybe the sale of the property plus a bit of life cover to support and provide her with additional income moving forward. Can I ask, does Kylie work as well? Is she working? Yep. Working. Beautiful. Self sufficient. Excellent. And with the type of cover you do have as well, it is indexed every year, which basically means that every year that the policy goes through a renewal, it increases, but the sum insured is increased a little bit. So it's indexed along with CPI. So you do get a the cover increases every year a little bit. It does mean that you do pay a bit more for the cover because the premium also increases. But it does mean you get a little bit of extra cover each year for your life. And it's, without there's no additional underwriting in in that additional cover. So it does kind of help a little bit to know that, you know, if you didn't claim for the next five years, the amount you're covered for with your life cover would be increasing over that next five years. So, realistically, she could end up with a bit more money the longer you're, you know, living and not claiming on that cover. Yeah. Excellent. Well, we'll leave you oh, absolutely. I want you to get through retirement and enjoy those years. I don't want anything to happen to you. All good. So your life cover's comfortable. We're happy to leave that as is for the moment. Now you have the same level of TBD, but as I kinda went through before, you have that, ADL definition, which makes it very difficult to claim on. So I do wanna go back and just do that pre assessment with you, get that booked in for you, and do some research around the policy. If I find I can't update the definition, I'll come back and have that conversation with you. I'll tell you the reason why and what we need to look at there. But the main reason we have TBD insurance is that it's total permanent disability, and it sort of pays out either a lump sum benefit or an income stream if we can never go back to work again. So due to major disability that under your definitions for this cover, mean that you need help eating, driving, dressing, bathing, going to the toilet. So you can imagine, in that sort of circumstance, it would be quite drastic. You would need to maybe pay for care, have modifications to the home, maybe purchase a new car, or maybe, you know, if if highly needed to still go to work, have someone to help you dress and take care of you through the day. So that's essentially why we hold disability insurance. You have the same level of TPD that you have left, the 701,000. And if you were ever claiming on total incapacity, we can also claim against your super benefits. So you can also get your super paid out in that instance as well. It's just that this definition you have is very hard to claim on. So are you comfortable with me going back? Did you wanna keep TBD, and did you want me to go back and look at the definitions and see what kind of TBD? Yeah. That's okay. Absolutely. Well, what I can do if you like is I'll I'll after the call, I'll book you in for my admin team to give you a call one afternoon and run through a quick pre assessment. I can then take the information back, and I'll correlate that with everything I can find. And I'll look at what kind of TBD might be available to you. If I am able to find a better definition and put you in a better position and give you a better level of cover, I can keep it exactly at the same level of cover as what you have for life, but I can make the recommendations, show you how that affects you, show you what's on offer, the advantages, the disadvantages, the risks involved, and then you get to decide whether you take that or not. It's really important to note that when we provide advice, we're providing you with the recommendations. You get to decide whether you take those recommendations or not. You're more than welcome to say, I wanna take all the advice, none of it, or just some of it. It's completely your decision. Does that sound okay with you? It it looks like that might have been. It does look like in the original advice piece, there was a bit of an error. So from what I can see here, the original advice had recommended had recommended the any occupation definition, but it looks like the quote that was provided was the ADL definition. So they applied for this definition of PVD, but the document had it noted that it wasn't any occupation. So I've been sort of going through the file looking over the last couple of years to see where the disconnect was and what actually was happening, and I just kinda can't find it exactly. So so I'll go back and review it. I'm also gonna send this through to our head of advice for remediation actions. She'll go back through and investigate what happened, how it all came about. And if there's any kind of remediation that we need to make, we'll make sure we do that. But I would like to just make sure that you have the best definitions of TBD and that you know what it is that you're insured for so you know how to claim if that was to ever become a possibility. How does that sound, and do you have any questions? That sounds good. That's okay. There may be questions later. I do fully understand that when I have these conversations, they can be a lot. I go through a lot of information, so please tell me if you need me to slow down, break it down, or just stop. That's okay. Absolutely. What I'll even do for you, Daniel, is I'll send you an email after the call. That way, you've got my direct email. If you find you have any additional questions, you can email me to ask me or you can call us. And then because I'm also gonna book in a pre assessment, when my admin team member gives you a call to go through that, if you find you have extra questions, I'll make sure I'm available then for you as well. Okay? Then fantastic. Now just the other sorts of insurances that you don't have at the moment are income protection and trauma. Now has anyone ever discussed those types of personal insurances with you in the past, or do you know how those types of covers work at all? That's okay. No. That's okay. It's honestly fine. So there are four types of personal insurances that advisers generally do advise on. You've got life cover, total permanent disability cover, income protection, and trauma. It looks like you've only got life and TPD at the moment. You don't have any income protection. So income protection, if you apply for it, can pay out a monthly benefit. Under legislative, they only pay up to 70% of your your gross income, a pretax income, on a monthly basis to help cover short term expenses in the event that you're unable to go to work. Income protection normally is the first thing we claim on because you have investment properties. Essentially, an income protection claim, if you were to claim on the benefit, they would ask you for your payslips to look at how much you were earning prior to you being off work and due to illness or injury. And then they would also ask for, like, tax returns to show what other kind of income that you are able to receive. So as an example, if you were, say, earning, you know, $5,000 on a monthly basis there, they would get your pay slips to show your monthly income and how that looks pre disability. They'd also ask for your tax returns and see what your investment properties were earning as well. So they would then take what you were earning prior minus any income that you can continue to earn whilst you're off work, and then they subtract that back to work out what you're able to actually receive. One of the things, income protection when you are older, I'm open and honest with you, can be quite expensive. It is because it's the first thing we claim on is 90% of your insurance costs. And as you get into your late forties, early fifties, it can be very expensive. When looking at whether you need income protection or not, it's about understanding what your expenditure looks like on a monthly basis and whether if you were off work, do you have enough sick leave, annual leave, long service leave, savings to fall back on? Do do sorry. Does your investment properties provide enough income coming in and or your wife's income? Does all of that together support you long enough? So at the moment, because you don't have any sort of income protection cover, to think about if you were off work due to illness or injury, do you have sick leave, long service leave, or anything leave wise at work to fall back on, or does your employer provide you with any additional insurances, or are you part of a union that has any income protection? Yep. Yep. Perfect. Fantastic. Beautiful. Yeah. 12 months? Yep. Beautiful. Fantastic. And, look, you do own your own home outright. So it is just the investment properties there. And longer term, if you weren't then able to go back to work, we would try to look at, you know, TBD or releasing super, and your wife still has income coming in. So you feel you're pretty comfortable with that income protection that everything would be okay long term? Yeah. I love that. That's beautiful. No. That's excellent. Yep. Done. Yeah. Yeah. Yeah. No. That's that's completely understandable, and that's okay. All good. With your regular expenditure, are you guys managing to put sort of much money away on a monthly or fortnightly or weekly basis? I think last year, you said you were able to save about $300 per week. Are you still finding that that's possible, or is it kind of dropped a bit with the new investment property coming into play? Yep. Yeah. So expenses have dropped a little bit. That's nice. Yeah. Fantastic. Excellent. Yeah. Okay. Yes. Fantastic. Yep. Yep. Excellent. Lovely. If you were to say quantify, do you feel like saying about $300 per week is fairly average or accurate for what you would assume to be saving, or would you maybe say a little bit higher at the moment just to kinda quantify it? I know it's probably difficult because your wife has it on. I do apologize. The same. Yep. Yep. Beautiful. Thank you for clarifying that. Appreciate it. Now the last type of insurances I do need to talk about is trauma. So trauma tends to pad a lump sum tax free benefit in the event that you're, say, diagnosed with a major traumatic condition. So some of the main ones that people claim on for trauma are, say, heart attack, stroke, Parkinson's, MS, or cancer is probably the biggest one. Did you so with, like, life and TB income protection, you can pay for those out of your super funds. You're not paying the premiums out of your back pocket. But with trauma, you can't do that. You do have to pay the premiums out of your back pocket. Being as you you do have savings, sick leave, long service leave, things like that to fall back on. Do you feel like you would need to look at trauma, or are you comfortable just not worrying about that level of cover with the trauma? Yep. That's okay. Absolutely fine. If anything ever changed and you wanted to find out more or had questions around those, just let me know. I'm more than happy to go into more detail with you. Okay? Fantastic. Excellent. Now just to kinda clarify and go through a few more details with regards to your circumstances, income last year, we had you on about 80,000. Have you had a pay increase since then at all? Yep. Yep. Yep. Yep. Perfect. Excellent. Not a problem at all. So a little over 90,000. Lovely. I've got down here. Now we've confirmed most of the debt levels on the properties there, but with your main primary residence, we had an asset value last year of about 900,000. What sort of what sort of value would you put on the property now, do you think? Mhmm. Yeah. Absolutely. Yep. Not a problem at all. And with the Werribee property, we had a value of that last year of 500,000. What sort of value would you put on the property at Werribee now? The 5 100? That's a good that is. Absolutely. And with the Clyde North property, what sort of value would you put on that one at the moment? Mhmm. Mhmm. No. Yeah. 7 100? Yeah. Absolutely. Not a problem at all. And I also had your Ford Focus, your vehicle down. Do you still have the same vehicle? Yeah. Fantastic. Asset value on that last year was about 50,000. If you were to sell the vehicle to recurve rate costs. What kind of sale price would you put on it? What would you want what value is it to you? Yeah. 12,000? Fantastic. Excellent. And you mentioned you've got some savings there as well. Do you know how much you have in your savings account as backup? 27. Yep. Fantastic. And any other assets you would note down? Any other cars, boats, caravans, or shares, or crypto currency, or collections. Yep. Yep. You see 50. Yep. Beautiful. And it's owned outright. No. Nothing owing on that one? Yeah. No. That's okay. Another asset I like to note down is contents. I know it's sorta hard to value what your contents is. Do you know what your contents would be on your home and contents insurance, what you'd have it valued at roughly? 80,000. Yep. Perfect. Excellent. Yep. No. That's okay. Fantastic. Thank you so much for that. I oh, you sure? Sorry. Absolutely. Yep. XC Staffing. Yep. Perfect. 30,000. Lovely. And earned outright. No debts on that one at all? Fantastic. Lovely. Excellent. Well, thank you so much for updating those details there. Now the other thing we wanted to sort of check on is the estate planning aspect. Now having a look here, it says that you and your wife have done a will in the past. Is your will still active, and does it reflect your current wishes that you're aware of? Have you had it reviewed or anything? Still good? Yep. Beautiful. And do you have a power of attorney set up as part of that? Yep. Yep. Fantastic. Excellent. Yeah. That's Yeah. That's that's okay. And with the beneficiary there on your super annual life cover, I've got your super beneficiary. It's a binding nomination, so it means that you've found the trustee to follow your direction. You've told them what you want to happen, and you don't have to fill the format every couple of years, which is a benefit. You've got down here Kylie, so your wife for a 100%. Does that reflect your wishes? You're still comfortable with that nomination? Yep. Fantastic. And I'm just quickly logging in to see what is on the the insurance for you as well just to make sure that's reflective of your wishes. Sorry. Wait a second. Here we go. So I've got here beneficiary policy. Oh, it's the same as your super. Fantastic. So in the event of something happening, a 100% of your life cover and your super benefit paid is Kylie. Perfect. That sounds good. Just make just making sure that that is all correct for you. Fantastic. Now you Absolutely. Now with your super, just sort of having a look at things. You may mention last time that you were sorta hoping to access super or retire around about age 65. Does that still feel reflective of your goals, or are you wanting to sorta hopefully retire earlier than that? What's your thoughts on your retirement age? Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yes. Absolutely. Fantastic. Well, just so you're fully aware, you actually can access super and retire at the age of 60, so you don't have to wait till 65. When it comes to your yeah. So when it comes to your super benefit, do you think you're more likely to try and retire at 60, or do you feel like you might be wanting to wait till 65? How do you sort of feel about that goal at the moment, and what age would you like me to focus on goal wise? Yep. Yep. Yep. Absolutely. Yeah. Is that okay? Mhmm. Yep. Yeah. That's okay. Absolutely. If you like, what I could do goal age for you is work on 60 as your goal is to say, look. You realistically would like to be able to retire at the age of 60. However, it also gives you the option to continue working if you choose to to maybe drop down hours if you choose to, but it means that we're working on an earlier goal for you trying to access sleep at the earliest possible point to give you the option to do so. Does that sound okay? Yep. Beautiful. And you may have mentioned that the investment properties, they're all part of your retirement plan. So to pay those down as much as possible or fully off to supplement super to be able to draw income within those retirement years and maybe before 60. Does that sound right with that goal? Yep. Perfect. Excellent. I'll just note that down. I'll just supplement super. For retirement income. Beautiful. Thank you for updating. Yeah. Absolutely. Yeah. No. That's absolutely fine. That's not a problem at all. And down the track, if you do require those sorts of services, we can assist you in that area. It's not an issue at all. Okay? Beautiful. Now with your insurances, I'm just sort of noting here that you're happy with the amount of cover that you do hold, that with TBD, you would like to be able to make sure you have the best definitions available to you, and that we'll look at trying to update that for you. Does that sound right? Did you want me to alter that at all for you? Yeah. That's okay. I don't wanna make it worse. That's for sure. All good. Excellent. And confirming your estate planning is all up to date. You're happy with your beneficiaries, making sure that Kylie is the benefactor in the event that something was to happen to you. Fantastic. Do you have any other goals down the track? I know paying down those investment properties is probably one of your sort of goals with regards to the debt there. But do you guys have any other goals that you would wanna sort of note down at all? Yep. Yep. It's different, isn't it? Yeah. Yeah. Yeah. Yep. Been a bit more empty nesters. It is different. Yeah. Yeah. Yeah. That's good. Yeah. Oh, that's really good. That's really good. It's good to have that kind of relationship. I know. Just to kinda give you some context, my my oldest two are 19 and 20, so they've recently just moved out into my investment property. So it's kind of like giving them a little bit of an arm's length to say, here's some space to grow. It's safe after we're the ones that own it. Yeah. Yeah. I have. Yeah. Yep. Yeah. Yeah. That's okay. As long as it grows and does what you want it to, that's the benefit. Right? No. Wow. Crazy. Wow. They grow up so fast. Incredible, isn't it? Mine still come home and raid my fridge. She she sent me a message. She's like, hey, mom. I've come home. I didn't wanna go to Willie's. I've I've taken food, and I'm leaving. I'm like, okay. Cool. Take what take whatever you need. I would rather go buy food and make sure you are covered than not. So yeah. Yeah. Yeah. No. That's fantastic. That's excellent. Good to see. And they bought their or your son's bought his first property, so that's fantastic. He's on the ladder and building his his wealth as well. That's beautiful. Excellent. All good. Well, the last thing I wanna do, because I wanna let you go so you can enjoy your evening, is just to quickly check your risk profile. So at the moment within your super fund, you are in a high growth portfolio that generally suits someone who has at least eight years before they're wanting to access their funds. They're trying to get a bit more growth. However, it does mean you are taking on a bit more risk in the market. So we know taking on more risk means that when the downtimes happen, when we see volatility like this year, we are so we are gonna expect and understand that the markets will see a bit more of a a lower dip, or we might feel that more. Just to sort of quickly check a couple of questions with you, with regard to your suit, but if you say saw the portfolio fall by 20% over the next one, two, or even three years, how do you think that might be feeling? Or how do you think you might be feeling? Do you think you'd see it as an investment opportunity? You put some more money into it. Are you a bit concerned? Maybe call us and see what we suggest you do, or are you feeling really uncomfortable and wanting to sell your investments to cash to try and preserve what you can? How do you think you might react in that instance? Yeah. Yeah. If you sort of fall drastically with what was happening in the market generally. Mhmm. Yeah. Say one, two, or three years at the most. Yep. Do you think you'd maybe hold and wait, call us, and see what we suggest you do, and maybe you have that conversation with us? Or Yep. Yep. Correct. Marcus Absolutely. No. All good. When do you consider yourself when do you consider yourself as a risk taker, out of, say, a number between one and five, five being the highest level of risk, all say in equities or one in the lowest level of risk, maybe all sitting in cash. Where do you think you might see yourself? Yeah. In your super. Yeah. Yep. Do you see yourself sort of moderate, maybe a three halfway between the five and the one, or just maybe mhmm. Yep. Yep. That's absolutely fine. That's yeah. No. Absolutely. And have you ever owned shares in the past in your own name? Or nope. That's okay. No. Perfect. No. That's okay. Not a problem at all. All good. So having a look at that, that you have scored as more of a growth investor. It is generally one drop down from where you are at the moment. However, if you're comfortable taking on a bit more risk, you absolutely can stay in that high growth environment. As I kinda went before, with a high growth portfolio, we see 90% in those growth investments. So think about things like Australian shares, international shares, listed property, and some gold and silver or commodities. The other 10% in low risk defensive investments, things like cash, bonds, and fixed interest. The high growth portfolio with the risk profile, you're looking to try and obtain about eight to 10% on a yearly basis compounding that forward. Anything over 10%, the portfolio has overperformed. Anything under 8% isn't underperformance for the year. The likelihood of a negative return because you are seeing more of those higher risk investments, we do expect the likelihood of a negative negative return about one every five years, and the suggested time frame for this portfolio is about eight years there. So, realistically, with your time horizon, you can still be in that high growth environment. It's more just that you've scored as a as a growth risk profile. So it means we would drop you down by one to have 80% in those high in those sort of growth investments there. The expected return you're chasing with the growth portfolio is about seven to 9%, and it suits someone who's not gonna access their funds for about six years. So it's more to stand to your preference. Do you feel like you wanna start reducing your risk level a bit, or are you happy just to keep it a bit higher in that high growth portfolio for a bit longer and maybe review it in a year's time? What would you be comfortable with? Yep. Yep. Yeah. Absolutely. Yep. Absolutely. Not a problem at all. I'll make a note there. We'll keep you high growth for the moment. We'll review it down the track, and I'll just go back and review the high growth portfolio and see what we can do to sort of keep it working a bit harder for you. And I'll update the advice for you as well. How does that sound? Fantastic. Now the last thing to let you know, you did sign your ongoing service agreement a few weeks back, but you do pay an ongoing service fee for having us as your advisers by looking after your super, providing ongoing advice, and supporting you towards your retirement goals there. So it is 1.65% per annum. It is calculated on a smaller monthly basis and deducted out of your super. So we do wanna make sure that your returns are working. And as much as you got a lower return this year, that was a net return, so after the fees have come out. So it does mean that your super has performed. You've made the 1.65% for the year, but then additional growth on top of that. So whilst it is lower, it still is growth, and it still is compounding forward, which is a positive thing for you. And then that allows us to keep updating your advice for you as well. But do you have any questions around the fee or our services or anything in relation to what I've gone through at all for you? Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. Yeah. I I think I've been you're right. So sorry. Correct. Yeah. Yep. No. And that's okay. I think one of the most important things to think about in the way we sort of see investing is when we are happy taking on a bit more risk in the market is when we see those downtimes to not look at it as a bad thing, to go to look at it as an opportunity, you know, and you're not accessing your super for the next ten years because it's locked away until you meet that condition of release. And and when you are closer to that eight year time horizon, I wouldn't want you to be high growth. So I would be very much if you were closer to that point saying let's draw it back a little bit. Let's not be in that high growth environment and kinda coaxing you down to reduce your risk level. I would not wanna leave you there. But, realistically, at the moment, because you've got that time horizon, when the investments are down, as much as it's not nice to have a negative return or a lower return, it's essentially the investments being they're at a discounted rate. So as your contributions are now going in, and they're supposed to be payday contributions, so they'll go in more regularly, you'll be able to take advantage of the downtime to buy into those discount discounted investment units as well. So if you ever are feeling concerned, nervous, call me because I'll definitely look at those sorts of things differently. Probably a bit too excited at the downtime. But, you know, it is just about the way we certainly see things. And as long as you have the time horizon to be invested to wait for that downtime to come through, then you definitely can. And you see, well, there was volatility. The markets have shown good recovery from that point. We've all seen some really good growth there. And there is a little bit more within the market. There is a little bit more confidence for investors that we have seen the ASX returning back some really good numbers over the past couple of weeks there. So we do certainly hope that does continue. And with the changes to, obviously, the tax legislation and things over the last couple of months that came out with the budget, they're certainly hoping that inflation will slow heavily over the next couple of months as well. So that can also have an effect on bond rates and fixed interest. So we are predicting much better, you know, returns moving forward, but who knows? Trump could come out next week and treat something else, and we could be at war with Italy. So well, yeah, absolutely. Yep. Yep. Right. That's okay. Absolutely. Absolutely. I actually do have some research recently that shows me what the average super balance is, and I can give you that. One of the best things about my job is I get access to lots of research data and materials. So I'll just pop in and grab that for you. Yeah. Absolutely. And part of the advice, I'll make sure I update for you just to look at where you know, what we expect over the next five to ten years. Because you do have more than ten years ahead of you, I won't go forward and project, you know, all the way to retirement age, but we'll do the next five to ten years, and then we can keep updating it there for you to make sure it's always reflective. But you're I'll just pop in here. Male. Beautiful. So for your age and stage, the average super balance of someone your age is about a 193,501. So based on your current balance there of two 100 and 74,000, you are above average. Absolutely. And the the data doesn't look great, and that's because, like, super wasn't a real thing until the early nineties, and it's been slowly increasing. So, like, your kids and my kids and even myself, I'm a little bit younger. I still not not much younger than you, I promise. But we will have a little bit more super when the time it comes because we've all sort of been working, and the super contributions were at a higher rate. But a lot of people your age and even older are finding, you know, they were going into retirement with lower than expected balances because, essentially, you know, they are they haven't had super for as long the the rate of super contributions is lower, or they have not worked a full lifetime. So there are definitely reasons there, but your super balance is above average for your agent's date. That is a positive sign, and we wanna make sure it works as hard for you as it possibly can. Yeah. Excellent. And the yeah. That's okay. The last absolutely. The last thing I just wanted to check on, I thought I hadn't touched on earlier was, with additional contributions to super, are you sort of wanting to down the track look at making more contributions to super, or are you sort of more focused on paying down your investment property debts to keep those to, you know, draw on before? What's your thoughts there? That's fine. Yeah. Absolutely. Absolutely. Yeah. Yeah. Yeah. Yeah. Yes. Yes. Absolutely. And, look, you're not doing anything wrong. It's more about what's important to you and what your goals are. So if you are wanting to try and pay those debts down so you can, you know, either sell them down the track and use the money to fund retirement earlier or, you know, keep them, pay them down so you have that rental income to support you in supplement super. There's nothing wrong with that. It's definitely definitely gonna be a between investing outside of super and inside super because super isn't the be all and end all. There are ways to build wealth in other ways. And if you are wanting to retire prior to accessing super at 60, then we are gonna have to look at other ways such as the investment property aspect. So there's there's no wrong answer to that. It's more about your comfort level. We just always like to ask the question. And down the track, if you decide you want to, you let me know. We can certainly help and provide advice in the area for you. Okay. Excellent. Oh, cool. Well, that is everything I needed to touch on for you. Before I let you go, I'm just gonna quickly book in a time for one of my beautiful team members to go to your pre assessment with you next week. I know later in the afternoon around about sort of this time is more preferable. Is that right? Yep. Yep. That's Hi. I've got sorry. Next week is from the seventeenth. My admin team member works late on a Tuesday night. Would I be able to book it in for, say, 05:30 next Tuesday, the eighteenth? Would that be suitable at all, Daniel? That's okay. Yep. Beautiful. It'll only take about five to ten minutes to run through it. Samantha's my admin team member, and she's absolutely beautiful at running through these questions for you. I'll get her to have a look at everything, and then I'll go back and review the file as a whole and look at what sort of TBD we can probably get for you as part of the advice. Okay. Yes. Yeah. Abs yeah. No. Absolutely. You won't need to click any medicals or go into any major detail. It's more just going through, you know, how your health has been, any major diagnosis that you know of, when we get diagnosed, what were your symptoms, did you have treatment, things like that. So if there's anything you're really unsure about, that's absolutely fine. We'll work with it. But, yeah, just yeah. It's nothing that you have to be crazy detailed. Yeah. No. Excellent. Thank you so much for your time. I'll let you go to enjoy your night. I hope you have a good night. I hope tomorrow is much better for you, and I will get cracking on this research for you. Okay? No. Thank you for taking my call. You have a lovely evening. Thanks, Daniel. I will. Thanks so much. See you later. 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Daniel. It's Zaina from OQ Financial. How are you this afternoon? No. I'm so yeah.\n\nI'm so sorry to hear that. Daniel, I absolutely. Look. Tomorrow is a brand new day. Hopefully, it's better for you.\n\nYeah. All good. Daniel, I did have it booked in to go through your annual review this afternoon. Is now still a good time there for you? Yeah.\n\nThat's that's okay. Not that's honestly, yeah, look, honest okay. If you if it's not a good time for you, I do not mind. I'm happy to work around your schedule. If you do have time to run through a status, absolutely fine.\n\nI don't wanna sort of make your day worse if if you're going through quite a lot, but at the same time, doing a new review might take your mind off of it. So how would you like to sort of proceed? What would you like me to do? Okay. Yep.\n\nThat's okay. Absolutely fine. Not a problem at all. Well, I'm trying not to take up too much of your precious time there. Now we we had sort of sent you originally your annual review docs, and it looks like you have signed them.\n\nSo I am happy to sort of send you a new copy, but what I'll do is I'll go through and give you an update of your sofa. I have had a bit of a look at things for you, and I can see that there is some advice that we might be able to provide to update for you. So I'll go through what I've been looking at, give you an update on things, and then we'll go through and update all of your circumstances as well. Okay? Excellent.\n\nLovely. Now before I jump into the call completely, I do have to let you know we do record our call for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a really quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file there.\n\nYep. Yep. Fantastic. Thank you so much for that. So, Daniel, just to give you a bit of an update.\n\nNow last time when we caught up for your annual review, last year, your balance was around 250,682. Looking at your balance as of the July 8, which is when we updated the documents, you're up to $266,001.44 there. So your balance has increased nicely. I'm just giving you an update because these documents were done about a month ago just to give you an update since then. So from July to now, your balance is now up to 274 thousand 113.\n\nSo you've had another increase on that. Yeah. It is. It is. Hopefully, we start off with some good news to make it easier for you.\n\nOh oh, yeah. Oh, that's good. When I sorta have a look at how your portfolio as a whole has return for the year and net of fees, it does show that your super fund has made, sorry, a lot much it is a lower return for the year. So it is around 2.97%, but it is wholly because of the market as a whole this year. We have seen a lot of ups and downs because what's been happening between The US and Iran.\n\nSo that's because it has had quite an effect on equities as a whole. No. You're you're that's okay. No. You're fine.\n\nYou're you're absolutely fine. Easy. You honestly, you're absolutely fine. Just tell me to stop if you need me to. It's not an issue at all.\n\nAll good. No. I understand that. That's not a problem at all. When we sort of have a look so, obviously, your return is a little bit lower than where we would sort of like it to be for the year base that you are in that sort of high growth environment.\n\nIt's around about 2.97% for the year, so it is a little bit low from where we'd like it to be. It is mostly because of what's been happening with the market as a whole, so between The US and Iran. But then here in Australia, we've also seen high inflationary rates as well, which also has an effect on on sort of fixed interest and bond rates as well. I have had a look at your portfolio. You have been in a sort of an older portfolio for a while now, and I sorta can see some investments where they might be slightly underperforming where we can certainly make some changes there.\n\nI would like to, if you're comfortable with, go back to have a really good look at some of the investments within your portfolio, Maybe look at a different portfolio that might give you some, greater growth, and you have some investments that may have been performing a little bit better. But also look at maybe a portfolio that's lower in cost for you, so to keep those investment fees as cheap as possible. Are you happy with me maybe having a look at that for you and updating things? Yeah. Yeah.\n\nAbs absolutely. And, I mean, one of the things to look at is, well, a portfolio a couple of years back might have been really great for you then. Essentially, having that updated every couple of years or as markets do change is really important because investments do perform well some years. Other years, they may underperform a little bit. One of the investments you do have in your portfolio, which up until sort of now has performed really well, has been the Benelong Australian Equities investment.\n\nThat at the moment in your portfolio is down a little bit, and it is holding your portfolio back a little bit, which is sort of contributing to the lower rate of return this year. So I would like to remove that underperforming investment and replace it with something else. There are a couple of ways to consider investments within a portfolio. Benelon was originally put in there because it's more of an actively managed fund. So the investment manager within Benelung is trying to outperform against the market and obtain greater returns.\n\nNormally, when you have that kind of investment within your portfolio, you pay a little bit more in fees to do so. You pay more investment fees for those sorts of managers. Would you like me to maybe look at swapping that out and reducing the cost a little bit, maybe putting something in its place that's a little bit more passively managed, lower cost, or do you still wanna see some sort of active management in your portfolio? What would you sort of like to see? And if you're not sure, you can ask more questions.\n\nThat's fine. You want us to look at it? Yeah. Yeah. No.\n\nThat's okay. That's absolutely fine. And the reason we sorta asked that question is that some people do have a bit of a preference. So some clients do sort of whilst we make the final decision on what to put in the portfolio and update the advice to show you what we recommend, Essentially, some clients do have a preference to have some active management. Some don't want any.\n\nSome just want low cost. So we try to sort of incorporate and build portfolios that incorporates what you would like to see and feel and how you, you know, want to see your funds invested, and we utilize the market and the investors to build portfolios to suit you in that way. But if you're comfortable with it, I can go back and have a look at all the different portfolios. I can look at, you know, tax consequences for your super on on switching. I can look at just rebalancing things.\n\nI can look at all the different options and come up with a portfolio that's showing greater performance for you, might have put you in a better moving forward, might be cheaper for you as well, have more money left in your sleep by working harder for you, and all around, be a much greater portfolio. Would you like me just to look at everything and see what I come up with and just update the recommendations to show you how and what I'm recommending and why. Yeah. That's okay. Do you have questions?\n\nYou're welcome to ask me anything if there's something you want me to explain in more detail or breakdown or if you had any additional questions in relation to any of that. Is there anything you kinda wanted me to break a bit further for you? If you don't, it's okay. It is. It absolutely is.\n\nI'd often do find that when we kinda do the annual review, when I sort of suggest going forward and looking and making recommendations, there often aren't a lot of questions there, but sometimes questions do come out when I'm looking at the advice document with you. So if you want, I'll go back. I'll have a look at your goals, look at what sort of portfolio works for you, how, and why. I'll come back and show you the advice document with what I'm recommending, the advantages, the disadvantages, and the risks involved. And then if you have questions when you're looking at that, that way you can sort of ask questions about the portfolio, what I'm recommending, and all that sort of thing.\n\nYou're welcome to ask additional questions later. Does that sound okay with you? Would you be comfortable with that? Yep. Beautiful.\n\nAnd, look, if anything does come up question wise, but from now to when we go through the advice document, you can always give us a call, send me an email, or just contact us. I'll make time to answer those questions. I know sometimes when you put on the spot questions just don't pop up, but later on, you might be sort of running through the conversation or, you know, having a think about what we've gone through and something may pop into your mind that you wanna ask. So feel free to write it down or give us just contact us, and I'll happily make time to talk you through it. Okay?\n\nThat's okay. Not a problem at all. So the next thing to sort of touch on there is your insurances. Security here. So you've got some insurances that are paid out of your super.\n\nYou've essentially got your life cover and your TBD. Now having a look at the file notes I have from previous conversations with our team, it looks like with your TBD definitions, you've got what's called ADL. It's activities of daily living. Essentially, when you think about TBD, which is total permanent incapacity, it means you can never go back to work again. There are three main definitions that you can be insured for.\n\nOne is your own occupation. That is, as you can imagine, the easiest the easiest sort of definition to claim on. It just means you never have to be able to go back to work in any occupation for which you are have worked prior to the disability. They have an any occupation definition, which means you to claim, you need to be never able to go back to work again for occupation which you have worked or educated or trained to have done. And then they have an ADL definition, which is activities of daily living.\n\nThis is often provided to clients who have a very risky occupation, have major health issues, and are just not able to get an any or own occupation definition. And it means that in order for you to claim on the the total permanent disability insurance that you have, you'll need to meet two to three of the five activities of daily living. That's things like feeding yourself, dressing yourself, driving yourself around, you know, getting in and out of bed, showering and toileting, and things like that. So it is a much harder definition to sort of claim on. What I wanted to sort of look at doing was finding out a bit more about where this definition came from.\n\nI had a bit of a look through your file, and I can see it was originally recommended as this. I believe it's got something to do I've been trying to sort of go through your file and find out why you've had that definition provided to you, and I haven't been able to come up with an actual answer at the moment there. But do you remember having that conversation with anyone in the past about the insurance insurance that you're applying for? Does that ring a bell at all? No?\n\nNo. That's okay. That's alright. I'm just going to, while we're chatting, just kinda go back and have a look to see if anything kinda comes out because I went through your file, and I just couldn't see the main reason behind it there. But just to sort of touch on your occupation, what is it occupation, what is it you actually do for work?\n\nSo I've got you down here as a maintenance team leader. Is that right? Right. Right. And so so what does your day to day tasks look like in your role?\n\nWhat would you normally be doing on a day to day basis? Yeah. Yep. Right. Okay.\n\nSo it's a fairly much more of a laboring sort of role there. You don't do any hikes or work explosives or underground or anything at all, do you? No. That's okay. I would like to go back to see if there's any possibility of maybe updating your insurances.\n\nAre you open with me doing a little bit of extra research around the definition of PPD and seeing if we're able to get anything additional for you? That might be I mean, I think one of the biggest things when you've got insurances, you if you're gonna be paying for these, especially out of your sleep, you wanna make sure you're able to claim on that cover. So because this this sort of definition is much harder to claim on, as you can imagine, to be able to meet the condition of not being able to do, say, two to three of the five activities of daily living, you have to be pretty well bedridden or disabled. So it means it's very much a hard definition to claim on. Yeah.\n\nNo. No. Correct. Yeah. You absolutely would've had to answer medical questions and possibly do a medical.\n\nYeah. Yeah. Right. Right. Okay.\n\nYeah. I mean, realistically, when you sort of look at insurances, being on antidepressants and having mental health, it looks like you've also got a mental health exclusion on the policy, and that would be fairly normal. But, generally, whenever because mental health is one of the biggest things that our claim for, especially disability cover, they do add mental health exclusions under the policy there. So I could see that being a factor. But what I'll probably do, if you're comfortable with it, after the call, I'll book in a time for you to do maybe an updated pre assessment with one of my lovely admin team members.\n\nAs part of updating your advice document, I can go back and review your insurances and look to see whether we can obtain a better definition for you. Are you comfortable with me looking at that? Yeah. Yeah. Absolutely.\n\nA pre assessment is just a bit more detail around your health. My admin will give you a call. Takes about five to ten minutes. They just go through and ask a few more in-depth questions about your health, about your family history, and about your work and occupation there, and then I take all of that back to the different insurers out there. I'll do what's called a blind pre assessment with them.\n\nSo they don't know anything about you except except for what's in that pre assessment. They know don't know who you are. They just say you're a male of a certain age, and these are the conditions that you've disclosed. And then we ask them to come back with what kind of contracts they might have on offer. And then we can go to the plan and come back and say, well, look.\n\nWe can update your definition and look at this amount of cover. This is the contract that would be on offer. This is what we're expecting out of the application. Are you comfortable doing that? We also show you the cost of it, so how it affects your super because you've got insurances paid out of super.\n\nWe know that the more you pay for insurances, the less you end up at retirement. It does have an effect on your long term retirement because you're paying for out of your super funds. So we show you that as part of the projected outcome of what this looks like for you, how this is projected forward over the next five to ten years towards your retirement goals, and then we continue to review that for you. Admittedly, if you you're right. So that's that's the well, that's the other thing it comes down to.\n\nIs it important to you? So when we have life insurance and even TBD insurance, we're generally wanting to make sure we have a certain level of cover in the event that something happens to us. So to go through the different levels of cover you have at the moment, you've got life cover showing a sum or a sum insured of 701,984, plus you've also got your super balance there of about 274,000. So if we look at this in a way that of a claim, if I add them together, if you were to pass away today with your life benefit of that $701.09 $8.04 plus your super benefit paid out, your beneficiary could receive a lump sum of a bit over 975,000. If you were to it's lovely.\n\nWell and I don't wanna give any ideas there, but just sort of confirming, like, if you were to pass away today, are you wanting that to be paid out to Kylie? So Kylie is your wife. Is that right? Yeah. Yep.\n\nAnd when you think about what that will cover, so I've got down here that you've got your main primary residence and that you've also got an investment property. If you think about this amount of cover and what that could do for her now just double checking the debt level. Sorry. You're right. Right.\n\nThat's okay. Yeah. No. That's absolutely fine. So you've got two investment properties now.\n\nNow just double checking the debt levels for you. So your main primary residence, we had a an a loan owing on that with a 400,000 last year. Do you still owe the same amount, or have you reduced that loan a little bit? No. The main primary residence, so where you're living.\n\nYeah. Beautiful. So no debt on that property. Now I've got your the older investment property that you owned last year when we did the under review, again, I had a debt owing of 400,000. What do you owe on that investment property?\n\nThat's okay. You're right. 400And35000. Lovely. And can I just ask as well what suburb is that in just so I can allocate which property is which?\n\nWerribee Beautiful. Thank you for that. And it was about 435,000, you said, owing on that one. Yep. And that's that's absolutely fine.\n\nIt's not a problem at all. And the secondary investment property, the new one that you have, what suburb is that located in? Glass North. Yep. Beautiful.\n\nAnd what sort of debt do you have on that property currently? Yeah. Okay. Beautiful. Now if we had a look at that 975,000 if you were to pass away today and we say try to pay off as much of those loans as possible, Yeah.\n\nSo paying off the property with the 435 owing, that essentially leaves 540,000. So it doesn't quite pay off the other property, but you could pay off one or each of the property like, one of the properties, which would leave her with one investment property generating income for support and then maybe a little bit of extra money left over. Or if she, you know, needed to pay off that, say, we've got $9.63 and we've 540,000, it would leave, sorry, $6.93. $6.93 minus 540,000. It would essentially leave a debt of about 153,000 if she used a lot money to pay off as much of both those properties as possible.\n\nBut then if she sort of wanted to keep those, they could be producing rental income to support her long term. When yeah. So do you feel like being covered for that 701,984 for your life insurance is suitable knowing your super balance is paid on top of that to support, or would do you feel like you would like to have a little bit more life cover? What's how do you feel about that? That's okay?\n\nYep. Yep. Absolutely. That's definitely another option where she could, you know, pay off one of the properties, sell the other one, clear the debt, and have a little bit left over from maybe the sale of the property plus a bit of life cover to support and provide her with additional income moving forward. Can I ask, does Kylie work as well?\n\nIs she working? Yep. Working. Beautiful. Self sufficient.\n\nExcellent. And with the type of cover you do have as well, it is indexed every year, which basically means that every year that the policy goes through a renewal, it increases, but the sum insured is increased a little bit. So it's indexed along with CPI. So you do get a the cover increases every year a little bit. It does mean that you do pay a bit more for the cover because the premium also increases.\n\nBut it does mean you get a little bit of extra cover each year for your life. And it's, without there's no additional underwriting in in that additional cover. So it does kind of help a little bit to know that, you know, if you didn't claim for the next five years, the amount you're covered for with your life cover would be increasing over that next five years. So, realistically, she could end up with a bit more money the longer you're, you know, living and not claiming on that cover. Yeah.\n\nExcellent. Well, we'll leave you oh, absolutely. I want you to get through retirement and enjoy those years. I don't want anything to happen to you. All good.\n\nSo your life cover's comfortable. We're happy to leave that as is for the moment. Now you have the same level of TBD, but as I kinda went through before, you have that, ADL definition, which makes it very difficult to claim on. So I do wanna go back and just do that pre assessment with you, get that booked in for you, and do some research around the policy. If I find I can't update the definition, I'll come back and have that conversation with you.\n\nI'll tell you the reason why and what we need to look at there. But the main reason we have TBD insurance is that it's total permanent disability, and it sort of pays out either a lump sum benefit or an income stream if we can never go back to work again. So due to major disability that under your definitions for this cover, mean that you need help eating, driving, dressing, bathing, going to the toilet. So you can imagine, in that sort of circumstance, it would be quite drastic. You would need to maybe pay for care, have modifications to the home, maybe purchase a new car, or maybe, you know, if if highly needed to still go to work, have someone to help you dress and take care of you through the day.\n\nSo that's essentially why we hold disability insurance. You have the same level of TPD that you have left, the 701,000. And if you were ever claiming on total incapacity, we can also claim against your super benefits. So you can also get your super paid out in that instance as well. It's just that this definition you have is very hard to claim on.\n\nSo are you comfortable with me going back? Did you wanna keep TBD, and did you want me to go back and look at the definitions and see what kind of TBD? Yeah. That's okay. Absolutely.\n\nWell, what I can do if you like is I'll I'll after the call, I'll book you in for my admin team to give you a call one afternoon and run through a quick pre assessment. I can then take the information back, and I'll correlate that with everything I can find. And I'll look at what kind of TBD might be available to you. If I am able to find a better definition and put you in a better position and give you a better level of cover, I can keep it exactly at the same level of cover as what you have for life, but I can make the recommendations, show you how that affects you, show you what's on offer, the advantages, the disadvantages, the risks involved, and then you get to decide whether you take that or not. It's really important to note that when we provide advice, we're providing you with the recommendations.\n\nYou get to decide whether you take those recommendations or not. You're more than welcome to say, I wanna take all the advice, none of it, or just some of it. It's completely your decision. Does that sound okay with you? It it looks like that might have been.\n\nIt does look like in the original advice piece, there was a bit of an error. So from what I can see here, the original advice had recommended had recommended the any occupation definition, but it looks like the quote that was provided was the ADL definition. So they applied for this definition of PVD, but the document had it noted that it wasn't any occupation. So I've been sort of going through the file looking over the last couple of years to see where the disconnect was and what actually was happening, and I just kinda can't find it exactly. So so I'll go back and review it.\n\nI'm also gonna send this through to our head of advice for remediation actions. She'll go back through and investigate what happened, how it all came about. And if there's any kind of remediation that we need to make, we'll make sure we do that. But I would like to just make sure that you have the best definitions of TBD and that you know what it is that you're insured for so you know how to claim if that was to ever become a possibility. How does that sound, and do you have any questions?\n\nThat sounds good. That's okay. There may be questions later. I do fully understand that when I have these conversations, they can be a lot. I go through a lot of information, so please tell me if you need me to slow down, break it down, or just stop.\n\nThat's okay. Absolutely. What I'll even do for you, Daniel, is I'll send you an email after the call. That way, you've got my direct email. If you find you have any additional questions, you can email me to ask me or you can call us.\n\nAnd then because I'm also gonna book in a pre assessment, when my admin team member gives you a call to go through that, if you find you have extra questions, I'll make sure I'm available then for you as well. Okay? Then fantastic. Now just the other sorts of insurances that you don't have at the moment are income protection and trauma. Now has anyone ever discussed those types of personal insurances with you in the past, or do you know how those types of covers work at all?\n\nThat's okay. No. That's okay. It's honestly fine. So there are four types of personal insurances that advisers generally do advise on.\n\nYou've got life cover, total permanent disability cover, income protection, and trauma. It looks like you've only got life and TPD at the moment. You don't have any income protection. So income protection, if you apply for it, can pay out a monthly benefit. Under legislative, they only pay up to 70% of your your gross income, a pretax income, on a monthly basis to help cover short term expenses in the event that you're unable to go to work.\n\nIncome protection normally is the first thing we claim on because you have investment properties. Essentially, an income protection claim, if you were to claim on the benefit, they would ask you for your payslips to look at how much you were earning prior to you being off work and due to illness or injury. And then they would also ask for, like, tax returns to show what other kind of income that you are able to receive. So as an example, if you were, say, earning, you know, $5,000 on a monthly basis there, they would get your pay slips to show your monthly income and how that looks pre disability. They'd also ask for your tax returns and see what your investment properties were earning as well.\n\nSo they would then take what you were earning prior minus any income that you can continue to earn whilst you're off work, and then they subtract that back to work out what you're able to actually receive. One of the things, income protection when you are older, I'm open and honest with you, can be quite expensive. It is because it's the first thing we claim on is 90% of your insurance costs. And as you get into your late forties, early fifties, it can be very expensive. When looking at whether you need income protection or not, it's about understanding what your expenditure looks like on a monthly basis and whether if you were off work, do you have enough sick leave, annual leave, long service leave, savings to fall back on?\n\nDo do sorry. Does your investment properties provide enough income coming in and or your wife's income? Does all of that together support you long enough? So at the moment, because you don't have any sort of income protection cover, to think about if you were off work due to illness or injury, do you have sick leave, long service leave, or anything leave wise at work to fall back on, or does your employer provide you with any additional insurances, or are you part of a union that has any income protection? Yep.\n\nYep. Perfect. Fantastic. Beautiful. Yeah.\n\n12 months? Yep. Beautiful. Fantastic. And, look, you do own your own home outright.\n\nSo it is just the investment properties there. And longer term, if you weren't then able to go back to work, we would try to look at, you know, TBD or releasing super, and your wife still has income coming in. So you feel you're pretty comfortable with that income protection that everything would be okay long term? Yeah. I love that.\n\nThat's beautiful. No. That's excellent. Yep. Done.\n\nYeah. Yeah. Yeah. No. That's that's completely understandable, and that's okay.\n\nAll good. With your regular expenditure, are you guys managing to put sort of much money away on a monthly or fortnightly or weekly basis? I think last year, you said you were able to save about $300 per week. Are you still finding that that's possible, or is it kind of dropped a bit with the new investment property coming into play? Yep.\n\nYeah. So expenses have dropped a little bit. That's nice. Yeah. Fantastic.\n\nExcellent. Yeah. Okay. Yes. Fantastic.\n\nYep. Yep. Excellent. Lovely. If you were to say quantify, do you feel like saying about $300 per week is fairly average or accurate for what you would assume to be saving, or would you maybe say a little bit higher at the moment just to kinda quantify it?\n\nI know it's probably difficult because your wife has it on. I do apologize. The same. Yep. Yep.\n\nBeautiful. Thank you for clarifying that. Appreciate it. Now the last type of insurances I do need to talk about is trauma. So trauma tends to pad a lump sum tax free benefit in the event that you're, say, diagnosed with a major traumatic condition.\n\nSo some of the main ones that people claim on for trauma are, say, heart attack, stroke, Parkinson's, MS, or cancer is probably the biggest one. Did you so with, like, life and TB income protection, you can pay for those out of your super funds. You're not paying the premiums out of your back pocket. But with trauma, you can't do that. You do have to pay the premiums out of your back pocket.\n\nBeing as you you do have savings, sick leave, long service leave, things like that to fall back on. Do you feel like you would need to look at trauma, or are you comfortable just not worrying about that level of cover with the trauma? Yep. That's okay. Absolutely fine.\n\nIf anything ever changed and you wanted to find out more or had questions around those, just let me know. I'm more than happy to go into more detail with you. Okay? Fantastic. Excellent.\n\nNow just to kinda clarify and go through a few more details with regards to your circumstances, income last year, we had you on about 80,000. Have you had a pay increase since then at all? Yep. Yep. Yep.\n\nYep. Perfect. Excellent. Not a problem at all. So a little over 90,000.\n\nLovely. I've got down here. Now we've confirmed most of the debt levels on the properties there, but with your main primary residence, we had an asset value last year of about 900,000. What sort of what sort of value would you put on the property now, do you think? Mhmm.\n\nYeah. Absolutely. Yep. Not a problem at all. And with the Werribee property, we had a value of that last year of 500,000.\n\nWhat sort of value would you put on the property at Werribee now? The 5 100? That's a good that is. Absolutely. And with the Clyde North property, what sort of value would you put on that one at the moment?\n\nMhmm. Mhmm. No. Yeah. 7 100?\n\nYeah. Absolutely. Not a problem at all. And I also had your Ford Focus, your vehicle down. Do you still have the same vehicle?\n\nYeah. Fantastic. Asset value on that last year was about 50,000. If you were to sell the vehicle to recurve rate costs. What kind of sale price would you put on it?\n\nWhat would you want what value is it to you? Yeah. 12,000? Fantastic. Excellent.\n\nAnd you mentioned you've got some savings there as well. Do you know how much you have in your savings account as backup? 27. Yep. Fantastic.\n\nAnd any other assets you would note down? Any other cars, boats, caravans, or shares, or crypto currency, or collections. Yep. Yep. You see 50.\n\nYep. Beautiful. And it's owned outright. No. Nothing owing on that one?\n\nYeah. No. That's okay. Another asset I like to note down is contents. I know it's sorta hard to value what your contents is.\n\nDo you know what your contents would be on your home and contents insurance, what you'd have it valued at roughly? 80,000. Yep. Perfect. Excellent.\n\nYep. No. That's okay. Fantastic. Thank you so much for that.\n\nI oh, you sure? Sorry. Absolutely. Yep. XC Staffing.\n\nYep. Perfect. 30,000. Lovely. And earned outright.\n\nNo debts on that one at all? Fantastic. Lovely. Excellent. Well, thank you so much for updating those details there.\n\nNow the other thing we wanted to sort of check on is the estate planning aspect. Now having a look here, it says that you and your wife have done a will in the past. Is your will still active, and does it reflect your current wishes that you're aware of? Have you had it reviewed or anything? Still good?\n\nYep. Beautiful. And do you have a power of attorney set up as part of that? Yep. Yep.\n\nFantastic. Excellent. Yeah. That's Yeah. That's that's okay.\n\nAnd with the beneficiary there on your super annual life cover, I've got your super beneficiary. It's a binding nomination, so it means that you've found the trustee to follow your direction. You've told them what you want to happen, and you don't have to fill the format every couple of years, which is a benefit. You've got down here Kylie, so your wife for a 100%. Does that reflect your wishes?\n\nYou're still comfortable with that nomination? Yep. Fantastic. And I'm just quickly logging in to see what is on the the insurance for you as well just to make sure that's reflective of your wishes. Sorry.\n\nWait a second. Here we go. So I've got here beneficiary policy. Oh, it's the same as your super. Fantastic.\n\nSo in the event of something happening, a 100% of your life cover and your super benefit paid is Kylie. Perfect. That sounds good. Just make just making sure that that is all correct for you. Fantastic.\n\nNow you Absolutely. Now with your super, just sort of having a look at things. You may mention last time that you were sorta hoping to access super or retire around about age 65. Does that still feel reflective of your goals, or are you wanting to sorta hopefully retire earlier than that? What's your thoughts on your retirement age?\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. Yes. Absolutely.\n\nFantastic. Well, just so you're fully aware, you actually can access super and retire at the age of 60, so you don't have to wait till 65. When it comes to your yeah. So when it comes to your super benefit, do you think you're more likely to try and retire at 60, or do you feel like you might be wanting to wait till 65? How do you sort of feel about that goal at the moment, and what age would you like me to focus on goal wise?\n\nYep. Yep. Yep. Absolutely. Yeah.\n\nIs that okay? Mhmm. Yep. Yeah. That's okay.\n\nAbsolutely. If you like, what I could do goal age for you is work on 60 as your goal is to say, look. You realistically would like to be able to retire at the age of 60. However, it also gives you the option to continue working if you choose to to maybe drop down hours if you choose to, but it means that we're working on an earlier goal for you trying to access sleep at the earliest possible point to give you the option to do so. Does that sound okay?\n\nYep. Beautiful. And you may have mentioned that the investment properties, they're all part of your retirement plan. So to pay those down as much as possible or fully off to supplement super to be able to draw income within those retirement years and maybe before 60. Does that sound right with that goal?\n\nYep. Perfect. Excellent. I'll just note that down. I'll just supplement super.\n\nFor retirement income. Beautiful. Thank you for updating. Yeah. Absolutely.\n\nYeah. No. That's absolutely fine. That's not a problem at all. And down the track, if you do require those sorts of services, we can assist you in that area.\n\nIt's not an issue at all. Okay? Beautiful. Now with your insurances, I'm just sort of noting here that you're happy with the amount of cover that you do hold, that with TBD, you would like to be able to make sure you have the best definitions available to you, and that we'll look at trying to update that for you. Does that sound right?\n\nDid you want me to alter that at all for you? Yeah. That's okay. I don't wanna make it worse. That's for sure.\n\nAll good. Excellent. And confirming your estate planning is all up to date. You're happy with your beneficiaries, making sure that Kylie is the benefactor in the event that something was to happen to you. Fantastic.\n\nDo you have any other goals down the track? I know paying down those investment properties is probably one of your sort of goals with regards to the debt there. But do you guys have any other goals that you would wanna sort of note down at all? Yep. Yep.\n\nIt's different, isn't it? Yeah. Yeah. Yeah. Yep.\n\nBeen a bit more empty nesters. It is different. Yeah. Yeah. Yeah.\n\nThat's good. Yeah. Oh, that's really good. That's really good. It's good to have that kind of relationship.\n\nI know. Just to kinda give you some context, my my oldest two are 19 and 20, so they've recently just moved out into my investment property. So it's kind of like giving them a little bit of an arm's length to say, here's some space to grow. It's safe after we're the ones that own it. Yeah.\n\nYeah. I have. Yeah. Yep. Yeah.\n\nYeah. That's okay. As long as it grows and does what you want it to, that's the benefit. Right? No.\n\nWow. Crazy. Wow. They grow up so fast. Incredible, isn't it?\n\nMine still come home and raid my fridge. She she sent me a message. She's like, hey, mom. I've come home. I didn't wanna go to Willie's.\n\nI've I've taken food, and I'm leaving. I'm like, okay. Cool. Take what take whatever you need. I would rather go buy food and make sure you are covered than not.\n\nSo yeah. Yeah. Yeah. No. That's fantastic.\n\nThat's excellent. Good to see. And they bought their or your son's bought his first property, so that's fantastic. He's on the ladder and building his his wealth as well. That's beautiful.\n\nExcellent. All good. Well, the last thing I wanna do, because I wanna let you go so you can enjoy your evening, is just to quickly check your risk profile. So at the moment within your super fund, you are in a high growth portfolio that generally suits someone who has at least eight years before they're wanting to access their funds. They're trying to get a bit more growth.\n\nHowever, it does mean you are taking on a bit more risk in the market. So we know taking on more risk means that when the downtimes happen, when we see volatility like this year, we are so we are gonna expect and understand that the markets will see a bit more of a a lower dip, or we might feel that more. Just to sort of quickly check a couple of questions with you, with regard to your suit, but if you say saw the portfolio fall by 20% over the next one, two, or even three years, how do you think that might be feeling? Or how do you think you might be feeling? Do you think you'd see it as an investment opportunity?\n\nYou put some more money into it. Are you a bit concerned? Maybe call us and see what we suggest you do, or are you feeling really uncomfortable and wanting to sell your investments to cash to try and preserve what you can? How do you think you might react in that instance? Yeah.\n\nYeah. If you sort of fall drastically with what was happening in the market generally. Mhmm. Yeah. Say one, two, or three years at the most.\n\nYep. Do you think you'd maybe hold and wait, call us, and see what we suggest you do, and maybe you have that conversation with us? Or Yep. Yep. Correct.\n\nMarcus Absolutely. No. All good. When do you consider yourself when do you consider yourself as a risk taker, out of, say, a number between one and five, five being the highest level of risk, all say in equities or one in the lowest level of risk, maybe all sitting in cash. Where do you think you might see yourself?\n\nYeah. In your super. Yeah. Yep. Do you see yourself sort of moderate, maybe a three halfway between the five and the one, or just maybe mhmm.\n\nYep. Yep. That's absolutely fine. That's yeah. No.\n\nAbsolutely. And have you ever owned shares in the past in your own name? Or nope. That's okay. No.\n\nPerfect. No. That's okay. Not a problem at all. All good.\n\nSo having a look at that, that you have scored as more of a growth investor. It is generally one drop down from where you are at the moment. However, if you're comfortable taking on a bit more risk, you absolutely can stay in that high growth environment. As I kinda went before, with a high growth portfolio, we see 90% in those growth investments. So think about things like Australian shares, international shares, listed property, and some gold and silver or commodities.\n\nThe other 10% in low risk defensive investments, things like cash, bonds, and fixed interest. The high growth portfolio with the risk profile, you're looking to try and obtain about eight to 10% on a yearly basis compounding that forward. Anything over 10%, the portfolio has overperformed. Anything under 8% isn't underperformance for the year. The likelihood of a negative return because you are seeing more of those higher risk investments, we do expect the likelihood of a negative negative return about one every five years, and the suggested time frame for this portfolio is about eight years there.\n\nSo, realistically, with your time horizon, you can still be in that high growth environment. It's more just that you've scored as a as a growth risk profile. So it means we would drop you down by one to have 80% in those high in those sort of growth investments there. The expected return you're chasing with the growth portfolio is about seven to 9%, and it suits someone who's not gonna access their funds for about six years. So it's more to stand to your preference.\n\nDo you feel like you wanna start reducing your risk level a bit, or are you happy just to keep it a bit higher in that high growth portfolio for a bit longer and maybe review it in a year's time? What would you be comfortable with? Yep. Yep. Yeah.\n\nAbsolutely. Yep. Absolutely. Not a problem at all. I'll make a note there.\n\nWe'll keep you high growth for the moment. We'll review it down the track, and I'll just go back and review the high growth portfolio and see what we can do to sort of keep it working a bit harder for you. And I'll update the advice for you as well. How does that sound? Fantastic.\n\nNow the last thing to let you know, you did sign your ongoing service agreement a few weeks back, but you do pay an ongoing service fee for having us as your advisers by looking after your super, providing ongoing advice, and supporting you towards your retirement goals there. So it is 1.65% per annum. It is calculated on a smaller monthly basis and deducted out of your super. So we do wanna make sure that your returns are working. And as much as you got a lower return this year, that was a net return, so after the fees have come out.\n\nSo it does mean that your super has performed. You've made the 1.65% for the year, but then additional growth on top of that. So whilst it is lower, it still is growth, and it still is compounding forward, which is a positive thing for you. And then that allows us to keep updating your advice for you as well. But do you have any questions around the fee or our services or anything in relation to what I've gone through at all for you?\n\nYeah. Yeah. Yeah. Absolutely. Yeah.\n\nAbsolutely. Yeah. I I think I've been you're right. So sorry. Correct.\n\nYeah. Yep. No. And that's okay. I think one of the most important things to think about in the way we sort of see investing is when we are happy taking on a bit more risk in the market is when we see those downtimes to not look at it as a bad thing, to go to look at it as an opportunity, you know, and you're not accessing your super for the next ten years because it's locked away until you meet that condition of release.\n\nAnd and when you are closer to that eight year time horizon, I wouldn't want you to be high growth. So I would be very much if you were closer to that point saying let's draw it back a little bit. Let's not be in that high growth environment and kinda coaxing you down to reduce your risk level. I would not wanna leave you there. But, realistically, at the moment, because you've got that time horizon, when the investments are down, as much as it's not nice to have a negative return or a lower return, it's essentially the investments being they're at a discounted rate.\n\nSo as your contributions are now going in, and they're supposed to be payday contributions, so they'll go in more regularly, you'll be able to take advantage of the downtime to buy into those discount discounted investment units as well. So if you ever are feeling concerned, nervous, call me because I'll definitely look at those sorts of things differently. Probably a bit too excited at the downtime. But, you know, it is just about the way we certainly see things. And as long as you have the time horizon to be invested to wait for that downtime to come through, then you definitely can.\n\nAnd you see, well, there was volatility. The markets have shown good recovery from that point. We've all seen some really good growth there. And there is a little bit more within the market. There is a little bit more confidence for investors that we have seen the ASX returning back some really good numbers over the past couple of weeks there.\n\nSo we do certainly hope that does continue. And with the changes to, obviously, the tax legislation and things over the last couple of months that came out with the budget, they're certainly hoping that inflation will slow heavily over the next couple of months as well. So that can also have an effect on bond rates and fixed interest. So we are predicting much better, you know, returns moving forward, but who knows? Trump could come out next week and treat something else, and we could be at war with Italy.\n\nSo well, yeah, absolutely. Yep. Yep. Right. That's okay.\n\nAbsolutely. Absolutely. I actually do have some research recently that shows me what the average super balance is, and I can give you that. One of the best things about my job is I get access to lots of research data and materials. So I'll just pop in and grab that for you.\n\nYeah. Absolutely. And part of the advice, I'll make sure I update for you just to look at where you know, what we expect over the next five to ten years. Because you do have more than ten years ahead of you, I won't go forward and project, you know, all the way to retirement age, but we'll do the next five to ten years, and then we can keep updating it there for you to make sure it's always reflective. But you're I'll just pop in here.\n\nMale. Beautiful. So for your age and stage, the average super balance of someone your age is about a 193,501. So based on your current balance there of two 100 and 74,000, you are above average. Absolutely.\n\nAnd the the data doesn't look great, and that's because, like, super wasn't a real thing until the early nineties, and it's been slowly increasing. So, like, your kids and my kids and even myself, I'm a little bit younger. I still not not much younger than you, I promise. But we will have a little bit more super when the time it comes because we've all sort of been working, and the super contributions were at a higher rate. But a lot of people your age and even older are finding, you know, they were going into retirement with lower than expected balances because, essentially, you know, they are they haven't had super for as long the the rate of super contributions is lower, or they have not worked a full lifetime.\n\nSo there are definitely reasons there, but your super balance is above average for your agent's date. That is a positive sign, and we wanna make sure it works as hard for you as it possibly can. Yeah. Excellent. And the yeah.\n\nThat's okay. The last absolutely. The last thing I just wanted to check on, I thought I hadn't touched on earlier was, with additional contributions to super, are you sort of wanting to down the track look at making more contributions to super, or are you sort of more focused on paying down your investment property debts to keep those to, you know, draw on before? What's your thoughts there? That's fine.\n\nYeah. Absolutely. Absolutely. Yeah. Yeah.\n\nYeah. Yeah. Yes. Yes. Absolutely.\n\nAnd, look, you're not doing anything wrong. It's more about what's important to you and what your goals are. So if you are wanting to try and pay those debts down so you can, you know, either sell them down the track and use the money to fund retirement earlier or, you know, keep them, pay them down so you have that rental income to support you in supplement super. There's nothing wrong with that. It's definitely definitely gonna be a between investing outside of super and inside super because super isn't the be all and end all.\n\nThere are ways to build wealth in other ways. And if you are wanting to retire prior to accessing super at 60, then we are gonna have to look at other ways such as the investment property aspect. So there's there's no wrong answer to that. It's more about your comfort level. We just always like to ask the question.\n\nAnd down the track, if you decide you want to, you let me know. We can certainly help and provide advice in the area for you. Okay. Excellent. Oh, cool.\n\nWell, that is everything I needed to touch on for you. Before I let you go, I'm just gonna quickly book in a time for one of my beautiful team members to go to your pre assessment with you next week. I know later in the afternoon around about sort of this time is more preferable. Is that right? Yep.\n\nYep. That's Hi. I've got sorry. Next week is from the seventeenth. My admin team member works late on a Tuesday night.\n\nWould I be able to book it in for, say, 05:30 next Tuesday, the eighteenth? Would that be suitable at all, Daniel? That's okay. Yep. Beautiful.\n\nIt'll only take about five to ten minutes to run through it. Samantha's my admin team member, and she's absolutely beautiful at running through these questions for you. I'll get her to have a look at everything, and then I'll go back and review the file as a whole and look at what sort of TBD we can probably get for you as part of the advice. Okay. Yes.\n\nYeah. Abs yeah. No. Absolutely. You won't need to click any medicals or go into any major detail.\n\nIt's more just going through, you know, how your health has been, any major diagnosis that you know of, when we get diagnosed, what were your symptoms, did you have treatment, things like that. So if there's anything you're really unsure about, that's absolutely fine. We'll work with it. But, yeah, just yeah. It's nothing that you have to be crazy detailed.\n\nYeah. No. Excellent. Thank you so much for your time. I'll let you go to enjoy your night.\n\nI hope you have a good night. I hope tomorrow is much better for you, and I will get cracking on this research for you. Okay? No. Thank you for taking my call.\n\nYou have a lovely evening. Thanks, Daniel. I will. Thanks so much. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Daniel.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.10534179583191872},{"text":"It's Zaina from OQ Financial.","start":3.6799998,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.17618741393089293},{"text":"How are you this afternoon?","start":5.44,"end":6.74,"sentiment":"neutral","sentiment_score":0.24115072786808014},{"text":"No.","start":11.759999,"end":12.259999,"sentiment":"negative","sentiment_score":-0.4118279218673706},{"text":"I'm so yeah.","start":13.28,"end":15.645,"sentiment":"neutral","sentiment_score":-0.09240914757053058}],"sentiment":"neutral","sentiment_score":0.10051993350498378,"num_words":16,"start":2.96,"end":15.645},{"sentences":[{"text":"I'm so sorry to hear that.","start":15.645,"end":17.405,"sentiment":"neutral","sentiment_score":-0.22579749673604965},{"text":"Daniel, I absolutely.","start":17.405,"end":23.105,"sentiment":"neutral","sentiment_score":0.04323304444551468},{"text":"Look.","start":23.244999,"end":23.404999,"sentiment":"neutral","sentiment_score":0.15953826904296875},{"text":"Tomorrow is a brand new day.","start":23.404999,"end":24.765,"sentiment":"neutral","sentiment_score":0.15707669034600258},{"text":"Hopefully, it's better for you.","start":24.765,"end":26.25,"sentiment":"neutral","sentiment_score":0.2471829354763031}],"sentiment":"neutral","sentiment_score":0.052991773400987895,"num_words":21,"start":15.645,"end":26.25},{"sentences":[{"text":"Yeah.","start":30.25,"end":30.33,"sentiment":"neutral","sentiment_score":0.26152336597442627},{"text":"All good.","start":30.33,"end":31.23,"sentiment":"positive","sentiment_score":0.43834544718265533},{"text":"Daniel, I did have it booked in to go through your annual review this afternoon.","start":31.369999,"end":34.65,"sentiment":"neutral","sentiment_score":0.23388837575912474},{"text":"Is now still a good time there for you?","start":34.65,"end":36.75,"sentiment":"neutral","sentiment_score":0.23366514345010123},{"text":"Yeah.","start":42.825,"end":43.325,"sentiment":"neutral","sentiment_score":-0.029557805508375168}],"sentiment":"neutral","sentiment_score":0.23999887079532659,"num_words":28,"start":30.25,"end":43.325},{"sentences":[{"text":"That's that's okay.","start":45.065,"end":46.204998,"sentiment":"neutral","sentiment_score":0.07934438933928807},{"text":"Not that's honestly, yeah, look, honest okay.","start":47.625,"end":52.6,"sentiment":"neutral","sentiment_score":-0.06538966883506094},{"text":"If you if it's not a good time for you, I do not mind.","start":52.6,"end":55.32,"sentiment":"neutral","sentiment_score":-0.15974833443760872},{"text":"I'm happy to work around your schedule.","start":55.32,"end":57.82,"sentiment":"neutral","sentiment_score":0.06430261768400669},{"text":"If you do have time to run through a status, absolutely fine.","start":58.519997,"end":61.66,"sentiment":"neutral","sentiment_score":0.025485993673404057}],"sentiment":"neutral","sentiment_score":-0.039540022048492766,"num_words":43,"start":45.065,"end":61.66},{"sentences":[{"text":"I don't wanna sort of make your day worse if if you're going through quite a lot, but at the same time, doing a new review might take your mind off of it.","start":62.199997,"end":69.385,"sentiment":"neutral","sentiment_score":-0.30686181286970776},{"text":"So how would you like to sort of proceed?","start":69.385,"end":71.305,"sentiment":"neutral","sentiment_score":-0.033025734333528414},{"text":"What would you like me to do?","start":71.305,"end":72.845,"sentiment":"neutral","sentiment_score":-0.03409067780843803},{"text":"Okay.","start":77.465004,"end":77.965004,"sentiment":"neutral","sentiment_score":-0.03963238745927811},{"text":"Yep.","start":83.090004,"end":83.590004,"sentiment":"neutral","sentiment_score":-0.05717887729406357}],"sentiment":"neutral","sentiment_score":-0.21096308711989253,"num_words":51,"start":62.199997,"end":83.590004},{"sentences":[{"text":"That's okay.","start":85.89,"end":86.79,"sentiment":"neutral","sentiment_score":0.04374583996832371},{"text":"Absolutely fine.","start":87.25,"end":88.130005,"sentiment":"neutral","sentiment_score":0.21675290167331696},{"text":"Not a problem at all.","start":88.130005,"end":88.85,"sentiment":"neutral","sentiment_score":0.12317265719175338},{"text":"Well, I'm trying not to take up too much of your precious time there.","start":88.85,"end":91.725,"sentiment":"neutral","sentiment_score":-0.11614991272134441},{"text":"Now we we had sort of sent you originally your annual review docs, and it looks like you have signed them.","start":92.365,"end":97.005,"sentiment":"neutral","sentiment_score":0.14521925406353103}],"sentiment":"neutral","sentiment_score":0.058190143783576787,"num_words":44,"start":85.89,"end":97.005},{"sentences":[{"text":"So I am happy to sort of send you a new copy, but what I'll do is I'll go through and give you an update of your sofa.","start":97.005,"end":102.625,"sentiment":"positive","sentiment_score":0.4055474278117929},{"text":"I have had a bit of a look at things for you, and I can see that there is some advice that we might be able to provide to update for you.","start":103.244995,"end":109.72,"sentiment":"neutral","sentiment_score":0.22137029841542244},{"text":"So I'll go through what I've been looking at, give you an update on things, and then we'll go through and update all of your circumstances as well.","start":109.72,"end":116.28,"sentiment":"neutral","sentiment_score":0.12009204179048538},{"text":"Okay?","start":116.28,"end":116.625,"sentiment":"neutral","sentiment_score":0.07986219227313995},{"text":"Excellent.","start":119.185,"end":119.685,"sentiment":"positive","sentiment_score":0.7360135316848755}],"sentiment":"neutral","sentiment_score":0.2513070046901703,"num_words":90,"start":97.005,"end":119.685},{"sentences":[{"text":"Lovely.","start":119.745,"end":120.145,"sentiment":"positive","sentiment_score":0.7272993922233582},{"text":"Now before I jump into the call completely, I do have to let you know we do record our call for quality and training purposes.","start":120.145,"end":125.425,"sentiment":"neutral","sentiment_score":0.10201633676886558},{"text":"Are you happy for me to proceed with that?","start":125.425,"end":127.604996,"sentiment":"neutral","sentiment_score":0.13608752853340572},{"text":"Fantastic.","start":129.73001,"end":130.05,"sentiment":"positive","sentiment_score":0.6106778383255005},{"text":"And just to do a really quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file there.","start":130.05,"end":137.19,"sentiment":"neutral","sentiment_score":0.2197552677243948}],"sentiment":"neutral","sentiment_score":0.1786079702022321,"num_words":68,"start":119.745,"end":137.19},{"sentences":[{"text":"Yep.","start":140.29001,"end":140.79001,"sentiment":"neutral","sentiment_score":0.042525406926870346},{"text":"Yep.","start":142.37001,"end":142.635,"sentiment":"neutral","sentiment_score":0.06114687770605087},{"text":"Fantastic.","start":146.47499,"end":146.97499,"sentiment":"positive","sentiment_score":0.6518262624740601},{"text":"Thank you so much for that.","start":147.435,"end":149.055,"sentiment":"positive","sentiment_score":0.7448466916879019},{"text":"So, Daniel, just to give you a bit of an update.","start":149.11499,"end":151.11499,"sentiment":"neutral","sentiment_score":0.24000480771064758}],"sentiment":"positive","sentiment_score":0.3932315791025758,"num_words":20,"start":140.29001,"end":151.11499},{"sentences":[{"text":"Now last time when we caught up for your annual review, last year, your balance was around 250,682.","start":151.11499,"end":158.92,"sentiment":"neutral","sentiment_score":0.10074521187278959},{"text":"Looking at your balance as of the July 8, which is when we updated the documents, you're up to $266,001.44 there.","start":158.92,"end":167.87999,"sentiment":"neutral","sentiment_score":0.13068232933680216},{"text":"So your balance has increased nicely.","start":167.87999,"end":169.9,"sentiment":"positive","sentiment_score":0.5015089412530264},{"text":"I'm just giving you an update because these documents were done about a month ago just to give you an update since then.","start":170.28,"end":176.725,"sentiment":"neutral","sentiment_score":0.23332820638366367},{"text":"So from July to now, your balance is now up to 274 thousand 113.","start":177.025,"end":182.94499,"sentiment":"neutral","sentiment_score":0.12353163851158959}],"sentiment":"neutral","sentiment_score":0.1788144885766797,"num_words":82,"start":151.11499,"end":182.94499},{"sentences":[{"text":"So you've had another increase on that.","start":182.94499,"end":185.185,"sentiment":"neutral","sentiment_score":0.1279220442686762},{"text":"Yeah.","start":185.185,"end":185.685,"sentiment":"neutral","sentiment_score":0.22134283185005188},{"text":"It is.","start":187.345,"end":188.07,"sentiment":"positive","sentiment_score":0.3605317324399948},{"text":"It is.","start":188.07,"end":188.55,"sentiment":"positive","sentiment_score":0.4176928997039795},{"text":"Hopefully, we start off with some good news to make it easier for you.","start":188.55,"end":192.01001,"sentiment":"positive","sentiment_score":0.5519024559429714}],"sentiment":"positive","sentiment_score":0.3999954149700128,"num_words":26,"start":182.94499,"end":192.01001},{"sentences":[{"text":"Oh oh, yeah.","start":194.23001,"end":196.57,"sentiment":"neutral","sentiment_score":0.21698088943958282},{"text":"Oh, that's good.","start":196.79001,"end":197.93001,"sentiment":"neutral","sentiment_score":0.3052418412019809},{"text":"When I sorta have a look at how your portfolio as a whole has return for the year and net of fees, it does show that your super fund has made, sorry, a lot much it is a lower return for the year.","start":198.39001,"end":212.705,"sentiment":"neutral","sentiment_score":0.003102727320998214},{"text":"So it is around 2.97%, but it is wholly because of the market as a whole this year.","start":212.705,"end":218.85,"sentiment":"neutral","sentiment_score":-0.07515180359284084},{"text":"We have seen a lot of ups and downs because what's been happening between The US and Iran.","start":218.85,"end":222.85,"sentiment":"neutral","sentiment_score":-0.20450940976540247}],"sentiment":"neutral","sentiment_score":-0.039221369102597235,"num_words":85,"start":194.23001,"end":222.85},{"sentences":[{"text":"So that's because it has had quite an effect on equities as a whole.","start":222.85,"end":226.55,"sentiment":"neutral","sentiment_score":-0.04157090782453971},{"text":"No.","start":231.045,"end":231.545,"sentiment":"neutral","sentiment_score":-0.08800429105758667},{"text":"You're you're that's okay.","start":231.925,"end":241.29,"sentiment":"neutral","sentiment_score":0.01836070930585265},{"text":"No.","start":243.20999,"end":243.68999,"sentiment":"neutral","sentiment_score":-0.10345008969306946},{"text":"You're fine.","start":243.68999,"end":246.17,"sentiment":"neutral","sentiment_score":-0.025392044335603714}],"sentiment":"neutral","sentiment_score":-0.03412674280645495,"num_words":22,"start":222.85,"end":246.17},{"sentences":[{"text":"You're you're absolutely fine.","start":246.17,"end":249.53,"sentiment":"neutral","sentiment_score":0.23580779880285263},{"text":"Easy.","start":249.53,"end":249.93,"sentiment":"neutral","sentiment_score":0.30568361282348633},{"text":"You honestly, you're absolutely fine.","start":249.93,"end":251.68999,"sentiment":"neutral","sentiment_score":0.29283692240715026},{"text":"Just tell me to stop if you need me to.","start":251.68999,"end":253.29,"sentiment":"neutral","sentiment_score":0.03045843467116356},{"text":"It's not an issue at all.","start":253.29,"end":254.81,"sentiment":"neutral","sentiment_score":0.019235391790668167}],"sentiment":"neutral","sentiment_score":0.12050369682793434,"num_words":26,"start":246.17,"end":254.81},{"sentences":[{"text":"All good.","start":254.81,"end":255.46999,"sentiment":"neutral","sentiment_score":0.20225059986114502},{"text":"No.","start":258.88498,"end":259.125,"sentiment":"neutral","sentiment_score":-0.08137483149766922},{"text":"I understand that.","start":259.125,"end":260.32498,"sentiment":"neutral","sentiment_score":-0.08752698451280594},{"text":"That's not a problem at all.","start":260.32498,"end":262.10498,"sentiment":"neutral","sentiment_score":-0.024164375538627308},{"text":"When we sort of have a look so, obviously, your return is a little bit lower than where we would sort of like it to be for the year base that you are in that sort of high growth environment.","start":262.56497,"end":270.2,"sentiment":"neutral","sentiment_score":-0.09320764690637588}],"sentiment":"neutral","sentiment_score":-0.07332205220770377,"num_words":52,"start":254.81,"end":270.2},{"sentences":[{"text":"It's around about 2.97% for the year, so it is a little bit low from where we'd like it to be.","start":271.7,"end":276.84,"sentiment":"neutral","sentiment_score":-0.035865003863970436},{"text":"It is mostly because of what's been happening with the market as a whole, so between The US and Iran.","start":277.38,"end":283.615,"sentiment":"neutral","sentiment_score":-0.040075191762298346},{"text":"But then here in Australia, we've also seen high inflationary rates as well, which also has an effect on on sort of fixed interest and bond rates as well.","start":283.615,"end":293.63498,"sentiment":"neutral","sentiment_score":0.04903486538036116},{"text":"I have had a look at your portfolio.","start":294.175,"end":295.85498,"sentiment":"neutral","sentiment_score":0.043651808286085725},{"text":"You have been in a sort of an older portfolio for a while now, and I sorta can see some investments where they might be slightly underperforming where we can certainly make some changes there.","start":295.85498,"end":306.31,"sentiment":"neutral","sentiment_score":-0.03462561411517007}],"sentiment":"neutral","sentiment_score":-0.008808317239833089,"num_words":113,"start":271.7,"end":306.31},{"sentences":[{"text":"I would like to, if you're comfortable with, go back to have a really good look at some of the investments within your portfolio, Maybe look at a different portfolio that might give you some, greater growth, and you have some investments that may have been performing a little bit better.","start":306.53,"end":319.065,"sentiment":"neutral","sentiment_score":0.23391195152904473},{"text":"But also look at maybe a portfolio that's lower in cost for you, so to keep those investment fees as cheap as possible.","start":319.065,"end":324.905,"sentiment":"neutral","sentiment_score":0.31037822106610174},{"text":"Are you happy with me maybe having a look at that for you and updating things?","start":324.905,"end":330.58997,"sentiment":"neutral","sentiment_score":0.2730986475944519},{"text":"Yeah.","start":331.88998,"end":332.38998,"sentiment":"neutral","sentiment_score":0.18395866453647616},{"text":"Yeah.","start":336.69,"end":337.09,"sentiment":"neutral","sentiment_score":0.1847631484270096}],"sentiment":"neutral","sentiment_score":0.25876639985843847,"num_words":92,"start":306.53,"end":337.09},{"sentences":[{"text":"Abs absolutely.","start":337.09,"end":337.99,"sentiment":"neutral","sentiment_score":0.17749428749084473},{"text":"And, I mean, one of the things to look at is, well, a portfolio a couple of years back might have been really great for you then.","start":338.12997,"end":343.59,"sentiment":"neutral","sentiment_score":0.23665648533238304},{"text":"Essentially, having that updated every couple of years or as markets do change is really important because investments do perform well some years.","start":344.255,"end":352.17502,"sentiment":"neutral","sentiment_score":0.18001633364221323},{"text":"Other years, they may underperform a little bit.","start":352.17502,"end":354.595,"sentiment":"neutral","sentiment_score":-0.01692416484002024},{"text":"One of the investments you do have in your portfolio, which up until sort of now has performed really well, has been the Benelong Australian Equities investment.","start":355.055,"end":363.29,"sentiment":"neutral","sentiment_score":0.10800557597367852}],"sentiment":"neutral","sentiment_score":0.15707869638271374,"num_words":87,"start":337.09,"end":363.29},{"sentences":[{"text":"That at the moment in your portfolio is down a little bit, and it is holding your portfolio back a little bit, which is sort of contributing to the lower rate of return this year.","start":363.83002,"end":372.87003,"sentiment":"neutral","sentiment_score":-0.15378871230142457},{"text":"So I would like to remove that underperforming investment and replace it with something else.","start":372.87003,"end":377.76498,"sentiment":"neutral","sentiment_score":-0.18075448473294575},{"text":"There are a couple of ways to consider investments within a portfolio.","start":378.625,"end":382.645,"sentiment":"neutral","sentiment_score":0.05682066362351179},{"text":"Benelon was originally put in there because it's more of an actively managed fund.","start":383.505,"end":387.505,"sentiment":"neutral","sentiment_score":0.09770742963467326},{"text":"So the investment manager within Benelung is trying to outperform against the market and obtain greater returns.","start":387.505,"end":393.68,"sentiment":"neutral","sentiment_score":0.20515069540809183}],"sentiment":"neutral","sentiment_score":-0.02749041291654751,"num_words":93,"start":363.83002,"end":393.68},{"sentences":[{"text":"Normally, when you have that kind of investment within your portfolio, you pay a little bit more in fees to do so.","start":394.3,"end":399.9,"sentiment":"neutral","sentiment_score":0.01334257847206159},{"text":"You pay more investment fees for those sorts of managers.","start":399.9,"end":402.56,"sentiment":"neutral","sentiment_score":-0.0032911814749240877},{"text":"Would you like me to maybe look at swapping that out and reducing the cost a little bit, maybe putting something in its place that's a little bit more passively managed, lower cost, or do you still wanna see some sort of active management in your portfolio?","start":403.33502,"end":416.315,"sentiment":"neutral","sentiment_score":0.1697877436242205},{"text":"What would you sort of like to see?","start":416.535,"end":417.815,"sentiment":"neutral","sentiment_score":0.052347443997859955},{"text":"And if you're not sure, you can ask more questions.","start":417.815,"end":420.02,"sentiment":"neutral","sentiment_score":-0.053533782809972764}],"sentiment":"neutral","sentiment_score":0.08375351119440855,"num_words":97,"start":394.3,"end":420.02},{"sentences":[{"text":"That's fine.","start":420.02,"end":420.76,"sentiment":"neutral","sentiment_score":-0.003642759285867215},{"text":"You want us to look at it?","start":426.74,"end":428.28,"sentiment":"neutral","sentiment_score":0.008820555305906705},{"text":"Yeah.","start":428.34,"end":428.84,"sentiment":"neutral","sentiment_score":0.020717306062579155},{"text":"Yeah.","start":432.98,"end":433.425,"sentiment":"neutral","sentiment_score":0.006254127249121666},{"text":"No.","start":433.985,"end":434.145,"sentiment":"neutral","sentiment_score":-0.07884112000465393}],"sentiment":"neutral","sentiment_score":0.00021572348972161612,"num_words":12,"start":420.02,"end":434.145},{"sentences":[{"text":"That's okay.","start":434.145,"end":434.94498,"sentiment":"neutral","sentiment_score":0.19182493537664413},{"text":"That's absolutely fine.","start":434.94498,"end":435.82498,"sentiment":"positive","sentiment_score":0.4765272041161855},{"text":"And the reason we sorta asked that question is that some people do have a bit of a preference.","start":435.82498,"end":439.905,"sentiment":"neutral","sentiment_score":0.18293766128389458},{"text":"So some clients do sort of whilst we make the final decision on what to put in the portfolio and update the advice to show you what we recommend, Essentially, some clients do have a preference to have some active management.","start":439.905,"end":452.8,"sentiment":"neutral","sentiment_score":0.17729158099831605},{"text":"Some don't want any.","start":452.8,"end":453.75998,"sentiment":"neutral","sentiment_score":0.07459139730781317}],"sentiment":"neutral","sentiment_score":0.18632416605301524,"num_words":69,"start":434.145,"end":453.75998},{"sentences":[{"text":"Some just want low cost.","start":453.75998,"end":455.03998,"sentiment":"neutral","sentiment_score":0.18753076791763307},{"text":"So we try to sort of incorporate and build portfolios that incorporates what you would like to see and feel and how you, you know, want to see your funds invested, and we utilize the market and the investors to build portfolios to suit you in that way.","start":455.03998,"end":470.025,"sentiment":"neutral","sentiment_score":0.27548694765816134},{"text":"But if you're comfortable with it, I can go back and have a look at all the different portfolios.","start":470.085,"end":474.185,"sentiment":"neutral","sentiment_score":0.2041332008023011},{"text":"I can look at, you know, tax consequences for your super on on switching.","start":474.565,"end":479.18,"sentiment":"neutral","sentiment_score":0.15977144986391068},{"text":"I can look at just rebalancing things.","start":479.18,"end":481.18,"sentiment":"neutral","sentiment_score":0.24875340717179434}],"sentiment":"neutral","sentiment_score":0.2367487343088273,"num_words":93,"start":453.75998,"end":481.18},{"sentences":[{"text":"I can look at all the different options and come up with a portfolio that's showing greater performance for you, might have put you in a better moving forward, might be cheaper for you as well, have more money left in your sleep by working harder for you, and all around, be a much greater portfolio.","start":481.18,"end":497.065,"sentiment":"positive","sentiment_score":0.4182016072528703},{"text":"Would you like me just to look at everything and see what I come up with and just update the recommendations to show you how and what I'm recommending and why.","start":497.125,"end":508.47998,"sentiment":"neutral","sentiment_score":0.24834215088236716},{"text":"Yeah.","start":508.78,"end":509.28,"sentiment":"neutral","sentiment_score":0.1934938877820969},{"text":"That's okay.","start":510.86,"end":511.74,"sentiment":"neutral","sentiment_score":0.2631560415029526},{"text":"Do you have questions?","start":511.74,"end":513.04,"sentiment":"neutral","sentiment_score":0.05389649496646598}],"sentiment":"positive","sentiment_score":0.34099243227838283,"num_words":94,"start":481.18,"end":513.04},{"sentences":[{"text":"You're welcome to ask me anything if there's something you want me to explain in more detail or breakdown or if you had any additional questions in relation to any of that.","start":513.26,"end":522.515,"sentiment":"neutral","sentiment_score":0.2716090125031769},{"text":"Is there anything you kinda wanted me to break a bit further for you?","start":522.515,"end":526.695,"sentiment":"neutral","sentiment_score":0.08127816367362227},{"text":"If you don't, it's okay.","start":531.555,"end":532.91,"sentiment":"neutral","sentiment_score":-0.03345583528280258},{"text":"It is.","start":535.45,"end":536.19,"sentiment":"neutral","sentiment_score":0.04783693701028824},{"text":"It absolutely is.","start":537.13,"end":538.67,"sentiment":"positive","sentiment_score":0.3983888626098633}],"sentiment":"neutral","sentiment_score":0.1955882853030094,"num_words":56,"start":513.26,"end":538.67},{"sentences":[{"text":"I'd often do find that when we kinda do the annual review, when I sort of suggest going forward and looking and making recommendations, there often aren't a lot of questions there, but sometimes questions do come out when I'm looking at the advice document with you.","start":539.13,"end":551.865,"sentiment":"neutral","sentiment_score":0.10344640522244129},{"text":"So if you want, I'll go back.","start":551.865,"end":553.945,"sentiment":"neutral","sentiment_score":0.1251742946250098},{"text":"I'll have a look at your goals, look at what sort of portfolio works for you, how, and why.","start":553.945,"end":558.445,"sentiment":"neutral","sentiment_score":0.15768577080023916},{"text":"I'll come back and show you the advice document with what I'm recommending, the advantages, the disadvantages, and the risks involved.","start":558.90497,"end":565.21,"sentiment":"neutral","sentiment_score":0.1469618705589147},{"text":"And then if you have questions when you're looking at that, that way you can sort of ask questions about the portfolio, what I'm recommending, and all that sort of thing.","start":565.59,"end":573.93,"sentiment":"neutral","sentiment_score":0.1505050517378315}],"sentiment":"neutral","sentiment_score":0.13188869310915471,"num_words":125,"start":539.13,"end":573.93},{"sentences":[{"text":"You're welcome to ask additional questions later.","start":574.31,"end":576.415,"sentiment":"neutral","sentiment_score":0.20494673720427922},{"text":"Does that sound okay with you?","start":576.415,"end":577.935,"sentiment":"neutral","sentiment_score":0.1706698164343834},{"text":"Would you be comfortable with that?","start":577.935,"end":580.095,"sentiment":"neutral","sentiment_score":0.07387395823995273},{"text":"Yep.","start":580.095,"end":580.595,"sentiment":"neutral","sentiment_score":0.14515794813632965},{"text":"Beautiful.","start":582.57495,"end":583.07495,"sentiment":"positive","sentiment_score":0.6103218197822571}],"sentiment":"neutral","sentiment_score":0.17416045601878846,"num_words":21,"start":574.31,"end":583.07495},{"sentences":[{"text":"And, look, if anything does come up question wise, but from now to when we go through the advice document, you can always give us a call, send me an email, or just contact us.","start":583.13495,"end":592.59,"sentiment":"neutral","sentiment_score":0.17762538620403834},{"text":"I'll make time to answer those questions.","start":592.59,"end":594.35004,"sentiment":"neutral","sentiment_score":0.24442491786820547},{"text":"I know sometimes when you put on the spot questions just don't pop up, but later on, you might be sort of running through the conversation or, you know, having a think about what we've gone through and something may pop into your mind that you wanna ask.","start":594.35004,"end":605.765,"sentiment":"neutral","sentiment_score":0.15623473174249133},{"text":"So feel free to write it down or give us just contact us, and I'll happily make time to talk you through it.","start":605.765,"end":611.205,"sentiment":"neutral","sentiment_score":0.3040125292280446},{"text":"Okay?","start":611.205,"end":611.705,"sentiment":"neutral","sentiment_score":0.1733933985233307}],"sentiment":"neutral","sentiment_score":0.19818255821602387,"num_words":114,"start":583.13495,"end":611.705},{"sentences":[{"text":"That's okay.","start":613.36505,"end":614.16504,"sentiment":"positive","sentiment_score":0.33783796429634094},{"text":"Not a problem at all.","start":614.16504,"end":615.465,"sentiment":"neutral","sentiment_score":0.27043125331401824},{"text":"So the next thing to sort of touch on there is your insurances.","start":616.16504,"end":619.54504,"sentiment":"neutral","sentiment_score":0.09593910208115211},{"text":"Security here.","start":623.15,"end":624.19,"sentiment":"neutral","sentiment_score":0.057331131771206856},{"text":"So you've got some insurances that are paid out of your super.","start":624.19,"end":627.09,"sentiment":"neutral","sentiment_score":0.04786314473797878}],"sentiment":"neutral","sentiment_score":0.11659001537105616,"num_words":34,"start":613.36505,"end":627.09},{"sentences":[{"text":"You've essentially got your life cover and your TBD.","start":627.31,"end":630.45,"sentiment":"neutral","sentiment_score":0.059057107816139855},{"text":"Now having a look at the file notes I have from previous conversations with our team, it looks like with your TBD definitions, you've got what's called ADL.","start":631.07,"end":641.07495,"sentiment":"neutral","sentiment_score":0.0008442689930754048},{"text":"It's activities of daily living.","start":641.13495,"end":643.39496,"sentiment":"neutral","sentiment_score":-0.014744947105646134},{"text":"Essentially, when you think about TBD, which is total permanent incapacity, it means you can never go back to work again.","start":644.095,"end":650.5,"sentiment":"neutral","sentiment_score":-0.23033156148379758},{"text":"There are three main definitions that you can be insured for.","start":651.12,"end":654.8,"sentiment":"neutral","sentiment_score":0.07444787939841097}],"sentiment":"neutral","sentiment_score":-0.04779199123181201,"num_words":74,"start":627.31,"end":654.8},{"sentences":[{"text":"One is your own occupation.","start":654.8,"end":656.33997,"sentiment":"neutral","sentiment_score":0.11150431782007217},{"text":"That is, as you can imagine, the easiest the easiest sort of definition to claim on.","start":657.04,"end":662.26,"sentiment":"neutral","sentiment_score":0.28234727680683136},{"text":"It just means you never have to be able to go back to work in any occupation for which you are have worked prior to the disability.","start":662.56,"end":670.495,"sentiment":"neutral","sentiment_score":0.03691949598767139},{"text":"They have an any occupation definition, which means you to claim, you need to be never able to go back to work again for occupation which you have worked or educated or trained to have done.","start":671.115,"end":681.67,"sentiment":"neutral","sentiment_score":0.00567709809790055},{"text":"And then they have an ADL definition, which is activities of daily living.","start":682.45,"end":686.47,"sentiment":"neutral","sentiment_score":-0.054713618296843305}],"sentiment":"neutral","sentiment_score":0.05737116395198193,"num_words":97,"start":654.8,"end":686.47},{"sentences":[{"text":"This is often provided to clients who have a very risky occupation, have major health issues, and are just not able to get an any or own occupation definition.","start":686.77,"end":698.03503,"sentiment":"neutral","sentiment_score":-0.23041922881685453},{"text":"And it means that in order for you to claim on the the total permanent disability insurance that you have, you'll need to meet two to three of the five activities of daily living.","start":698.17505,"end":709.71,"sentiment":"neutral","sentiment_score":-0.0778715831830221},{"text":"That's things like feeding yourself, dressing yourself, driving yourself around, you know, getting in and out of bed, showering and toileting, and things like that.","start":709.71,"end":717.89,"sentiment":"neutral","sentiment_score":-0.05283060804009437},{"text":"So it is a much harder definition to sort of claim on.","start":717.95,"end":721.81,"sentiment":"negative","sentiment_score":-0.4405495449900627},{"text":"What I wanted to sort of look at doing was finding out a bit more about where this definition came from.","start":722.35004,"end":729.545,"sentiment":"neutral","sentiment_score":-0.19699881261303312}],"sentiment":"neutral","sentiment_score":-0.165901869997259,"num_words":121,"start":686.77,"end":729.545},{"sentences":[{"text":"I had a bit of a look through your file, and I can see it was originally recommended as this.","start":730.085,"end":735.865,"sentiment":"neutral","sentiment_score":-0.0366520382463932},{"text":"I believe it's got something to do I've been trying to sort of go through your file and find out why you've had that definition provided to you, and I haven't been able to come up with an actual answer at the moment there.","start":737.205,"end":747.98,"sentiment":"neutral","sentiment_score":-0.19914729706943035},{"text":"But do you remember having that conversation with anyone in the past about the insurance insurance that you're applying for?","start":748.6,"end":754.385,"sentiment":"neutral","sentiment_score":-0.09752840921282768},{"text":"Does that ring a bell at all?","start":754.385,"end":756.805,"sentiment":"neutral","sentiment_score":-0.06005287675985268},{"text":"No?","start":758.065,"end":758.565,"sentiment":"neutral","sentiment_score":-0.17448490858078003}],"sentiment":"neutral","sentiment_score":-0.13087983767542502,"num_words":92,"start":730.085,"end":758.565},{"sentences":[{"text":"No.","start":763.345,"end":763.665,"sentiment":"neutral","sentiment_score":-0.1551254689693451},{"text":"That's okay.","start":763.665,"end":764.385,"sentiment":"neutral","sentiment_score":0.004989657551050186},{"text":"That's alright.","start":764.385,"end":765.89,"sentiment":"neutral","sentiment_score":0.1920531764626503},{"text":"I'm just going to, while we're chatting, just kinda go back and have a look to see if anything kinda comes out because I went through your file, and I just couldn't see the main reason behind it there.","start":765.89,"end":777.42145,"sentiment":"neutral","sentiment_score":-0.0002836692982759231},{"text":"But just to sort of touch on your occupation, what is it occupation, what is it you actually do for work?","start":777.42145,"end":783.275,"sentiment":"neutral","sentiment_score":0.025720206399758656}],"sentiment":"neutral","sentiment_score":0.01181571432031118,"num_words":65,"start":763.345,"end":783.275},{"sentences":[{"text":"So I've got you down here as a maintenance team leader.","start":783.275,"end":785.755,"sentiment":"neutral","sentiment_score":0.05520355498248881},{"text":"Is that right?","start":785.755,"end":786.73505,"sentiment":"neutral","sentiment_score":0.06956909348567326},{"text":"Right.","start":794.41,"end":794.91,"sentiment":"neutral","sentiment_score":0.05517479404807091},{"text":"Right.","start":805.69,"end":806.055,"sentiment":"neutral","sentiment_score":0.06608656048774719},{"text":"And so so what does your day to day tasks look like in your role?","start":806.21497,"end":809.975,"sentiment":"neutral","sentiment_score":0.050668138762315115}],"sentiment":"neutral","sentiment_score":0.05474934907209489,"num_words":31,"start":783.275,"end":809.975},{"sentences":[{"text":"What would you normally be doing on a day to day basis?","start":809.975,"end":813.035,"sentiment":"neutral","sentiment_score":0.02980051888152957},{"text":"Yeah.","start":820.295,"end":820.795,"sentiment":"neutral","sentiment_score":0.055911045521497726},{"text":"Yep.","start":832.04004,"end":832.54004,"sentiment":"neutral","sentiment_score":0.045572273433208466},{"text":"Right.","start":837.54504,"end":838.04504,"sentiment":"neutral","sentiment_score":0.05921339988708496},{"text":"Okay.","start":838.825,"end":839.325,"sentiment":"neutral","sentiment_score":0.04618430882692337}],"sentiment":"neutral","sentiment_score":0.035280453390441835,"num_words":16,"start":809.975,"end":839.325},{"sentences":[{"text":"So it's a fairly much more of a laboring sort of role there.","start":840.10504,"end":844.505,"sentiment":"neutral","sentiment_score":0.00040856261666004476},{"text":"You don't do any hikes or work explosives or underground or anything at all, do you?","start":844.505,"end":849.085,"sentiment":"neutral","sentiment_score":-0.06273507524747401},{"text":"No.","start":850.42505,"end":850.74506,"sentiment":"neutral","sentiment_score":-0.1886316239833832},{"text":"That's okay.","start":850.74506,"end":851.64,"sentiment":"neutral","sentiment_score":-0.12565379589796066},{"text":"I would like to go back to see if there's any possibility of maybe updating your insurances.","start":851.64,"end":856.62,"sentiment":"neutral","sentiment_score":-0.025789062218631014}],"sentiment":"neutral","sentiment_score":-0.03830210537630684,"num_words":49,"start":840.10504,"end":856.62},{"sentences":[{"text":"Are you open with me doing a little bit of extra research around the definition of PPD and seeing if we're able to get anything additional for you?","start":857.56,"end":865.24,"sentiment":"neutral","sentiment_score":0.012864913658371993},{"text":"That might be I mean, I think one of the biggest things when you've got insurances, you if you're gonna be paying for these, especially out of your sleep, you wanna make sure you're able to claim on that cover.","start":865.24,"end":875.095,"sentiment":"neutral","sentiment_score":-0.09531904943287373},{"text":"So because this this sort of definition is much harder to claim on, as you can imagine, to be able to meet the condition of not being able to do, say, two to three of the five activities of daily living, you have to be pretty well bedridden or disabled.","start":875.095,"end":891.61,"sentiment":"negative","sentiment_score":-0.3808188732713461},{"text":"So it means it's very much a hard definition to claim on.","start":891.67,"end":894.78503,"sentiment":"neutral","sentiment_score":-0.28916407252351445},{"text":"Yeah.","start":894.78503,"end":895.28503,"sentiment":"neutral","sentiment_score":-0.1101028248667717}],"sentiment":"neutral","sentiment_score":-0.19903480727936476,"num_words":131,"start":857.56,"end":895.28503},{"sentences":[{"text":"No.","start":896.065,"end":896.385,"sentiment":"neutral","sentiment_score":-0.17619261145591736},{"text":"No.","start":896.385,"end":896.885,"sentiment":"neutral","sentiment_score":-0.12735247611999512},{"text":"Correct.","start":897.10504,"end":897.60504,"sentiment":"neutral","sentiment_score":-0.011313464492559431},{"text":"Yeah.","start":903.185,"end":903.685,"sentiment":"neutral","sentiment_score":0.005737178027629852},{"text":"You absolutely would've had to answer medical questions and possibly do a medical.","start":903.905,"end":907.79,"sentiment":"neutral","sentiment_score":-0.01693477190264485}],"sentiment":"neutral","sentiment_score":-0.031133729927954417,"num_words":17,"start":896.065,"end":907.79},{"sentences":[{"text":"Yeah.","start":907.79,"end":908.29,"sentiment":"neutral","sentiment_score":0.00640919990837574},{"text":"Yeah.","start":917.31,"end":917.81,"sentiment":"neutral","sentiment_score":0.030753785744309425},{"text":"Right.","start":923.02496,"end":923.52496,"sentiment":"neutral","sentiment_score":0.1399998664855957},{"text":"Right.","start":937.03,"end":937.53,"sentiment":"neutral","sentiment_score":0.0480647087097168},{"text":"Okay.","start":938.87006,"end":939.37006,"sentiment":"neutral","sentiment_score":0.00560164637863636}],"sentiment":"neutral","sentiment_score":0.0461658414453268,"num_words":5,"start":907.79,"end":939.37006},{"sentences":[{"text":"Yeah.","start":942.63,"end":943.13,"sentiment":"neutral","sentiment_score":-0.00697760283946991},{"text":"I mean, realistically, when you sort of look at insurances, being on antidepressants and having mental health, it looks like you've also got a mental health exclusion on the policy, and that would be fairly normal.","start":943.59,"end":953.505,"sentiment":"neutral","sentiment_score":-0.09210341485838096},{"text":"But, generally, whenever because mental health is one of the biggest things that our claim for, especially disability cover, they do add mental health exclusions under the policy there.","start":953.725,"end":964.3,"sentiment":"neutral","sentiment_score":-0.0941371559325991},{"text":"So I could see that being a factor.","start":964.3,"end":966.16,"sentiment":"neutral","sentiment_score":-0.08694660197943449},{"text":"But what I'll probably do, if you're comfortable with it, after the call, I'll book in a time for you to do maybe an updated pre assessment with one of my lovely admin team members.","start":966.46,"end":975.04,"sentiment":"neutral","sentiment_score":0.12794084485088075}],"sentiment":"neutral","sentiment_score":-0.020828635833405572,"num_words":109,"start":942.63,"end":975.04},{"sentences":[{"text":"As part of updating your advice document, I can go back and review your insurances and look to see whether we can obtain a better definition for you.","start":975.32495,"end":983.005,"sentiment":"neutral","sentiment_score":0.10873181279748678},{"text":"Are you comfortable with me looking at that?","start":983.005,"end":985.105,"sentiment":"neutral","sentiment_score":0.1336690140888095},{"text":"Yeah.","start":988.79,"end":989.11,"sentiment":"neutral","sentiment_score":0.248763307929039},{"text":"Yeah.","start":989.11,"end":989.35,"sentiment":"positive","sentiment_score":0.3636678457260132},{"text":"Absolutely.","start":989.35,"end":989.85,"sentiment":"positive","sentiment_score":0.5784003734588623}],"sentiment":"neutral","sentiment_score":0.1360172922603595,"num_words":39,"start":975.32495,"end":989.85},{"sentences":[{"text":"A pre assessment is just a bit more detail around your health.","start":989.91,"end":993.05,"sentiment":"neutral","sentiment_score":0.23124651983380318},{"text":"My admin will give you a call.","start":993.35,"end":994.55,"sentiment":"neutral","sentiment_score":0.16149777812617166},{"text":"Takes about five to ten minutes.","start":994.55,"end":995.99,"sentiment":"neutral","sentiment_score":0.16503792876998583},{"text":"They just go through and ask a few more in-depth questions about your health, about your family history, and about your work and occupation there, and then I take all of that back to the different insurers out there.","start":995.99,"end":1006.255,"sentiment":"neutral","sentiment_score":0.09026732926185314},{"text":"I'll do what's called a blind pre assessment with them.","start":1006.555,"end":1009.115,"sentiment":"neutral","sentiment_score":0.005370847508311271}],"sentiment":"neutral","sentiment_score":0.1144568185649208,"num_words":74,"start":989.91,"end":1009.115},{"sentences":[{"text":"So they don't know anything about you except except for what's in that pre assessment.","start":1009.115,"end":1012.955,"sentiment":"neutral","sentiment_score":-0.14556047668059666},{"text":"They know don't know who you are.","start":1012.955,"end":1014.555,"sentiment":"neutral","sentiment_score":-0.27953350118228365},{"text":"They just say you're a male of a certain age, and these are the conditions that you've disclosed.","start":1014.555,"end":1018.65,"sentiment":"neutral","sentiment_score":-0.12880444961289564},{"text":"And then we ask them to come back with what kind of contracts they might have on offer.","start":1019.11,"end":1023.29,"sentiment":"neutral","sentiment_score":-0.014980620394150415},{"text":"And then we can go to the plan and come back and say, well, look.","start":1023.83,"end":1026.95,"sentiment":"neutral","sentiment_score":0.019350705295801164}],"sentiment":"neutral","sentiment_score":-0.08819194985170888,"num_words":73,"start":1009.115,"end":1026.95},{"sentences":[{"text":"We can update your definition and look at this amount of cover.","start":1026.95,"end":1030.115,"sentiment":"neutral","sentiment_score":0.00607145360360543},{"text":"This is the contract that would be on offer.","start":1030.3351,"end":1032.495,"sentiment":"neutral","sentiment_score":0.1801683654387792},{"text":"This is what we're expecting out of the application.","start":1032.495,"end":1034.755,"sentiment":"neutral","sentiment_score":0.31176695724328357},{"text":"Are you comfortable doing that?","start":1034.895,"end":1036.755,"sentiment":"neutral","sentiment_score":0.12269272208213806},{"text":"We also show you the cost of it, so how it affects your super because you've got insurances paid out of super.","start":1036.895,"end":1042.675,"sentiment":"neutral","sentiment_score":0.014947177842259407}],"sentiment":"neutral","sentiment_score":0.09548380474249522,"num_words":57,"start":1026.95,"end":1042.675},{"sentences":[{"text":"We know that the more you pay for insurances, the less you end up at retirement.","start":1042.95,"end":1047.2899,"sentiment":"neutral","sentiment_score":-0.08035485725849867},{"text":"It does have an effect on your long term retirement because you're paying for out of your super funds.","start":1048.07,"end":1052.7899,"sentiment":"neutral","sentiment_score":0.09988963839254882},{"text":"So we show you that as part of the projected outcome of what this looks like for you, how this is projected forward over the next five to ten years towards your retirement goals, and then we continue to review that for you.","start":1052.7899,"end":1065.1849,"sentiment":"positive","sentiment_score":0.3392092807348384},{"text":"Admittedly, if you you're right.","start":1065.8049,"end":1067.885,"sentiment":"neutral","sentiment_score":-0.03143136624712497},{"text":"So that's that's the well, that's the other thing it comes down to.","start":1067.885,"end":1074.37,"sentiment":"neutral","sentiment_score":-0.07138874037907673}],"sentiment":"neutral","sentiment_score":0.14701056279955083,"num_words":96,"start":1042.95,"end":1074.37},{"sentences":[{"text":"Is it important to you?","start":1074.37,"end":1075.73,"sentiment":"neutral","sentiment_score":0.03046755790710449},{"text":"So when we have life insurance and even TBD insurance, we're generally wanting to make sure we have a certain level of cover in the event that something happens to us.","start":1075.73,"end":1085.01,"sentiment":"neutral","sentiment_score":0.01968829886567208},{"text":"So to go through the different levels of cover you have at the moment, you've got life cover showing a sum or a sum insured of 701,984, plus you've also got your super balance there of about 274,000.","start":1085.01,"end":1101.87,"sentiment":"neutral","sentiment_score":-0.006951271237707452},{"text":"So if we look at this in a way that of a claim, if I add them together, if you were to pass away today with your life benefit of that $701.09 $8.04 plus your super benefit paid out, your beneficiary could receive a lump sum of a bit over 975,000.","start":1101.9299,"end":1121.665,"sentiment":"neutral","sentiment_score":-0.015593594398952144},{"text":"If you were to it's lovely.","start":1122.365,"end":1128.7051,"sentiment":"neutral","sentiment_score":0.2465070771674315}],"sentiment":"neutral","sentiment_score":0.009025159511423691,"num_words":131,"start":1074.37,"end":1128.7051},{"sentences":[{"text":"Well and I don't wanna give any ideas there, but just sort of confirming, like, if you were to pass away today, are you wanting that to be paid out to Kylie?","start":1128.765,"end":1141.29,"sentiment":"neutral","sentiment_score":-0.04892932501388714},{"text":"So Kylie is your wife.","start":1141.29,"end":1142.49,"sentiment":"neutral","sentiment_score":0.013465739041566848},{"text":"Is that right?","start":1142.49,"end":1143.31,"sentiment":"neutral","sentiment_score":0.08073113858699799},{"text":"Yeah.","start":1144.65,"end":1144.935,"sentiment":"neutral","sentiment_score":0.03517039120197296},{"text":"Yep.","start":1147.8151,"end":1148.295,"sentiment":"neutral","sentiment_score":0.05062795802950859}],"sentiment":"neutral","sentiment_score":-0.027867093815335205,"num_words":42,"start":1128.765,"end":1148.295},{"sentences":[{"text":"And when you think about what that will cover, so I've got down here that you've got your main primary residence and that you've also got an investment property.","start":1148.295,"end":1155.675,"sentiment":"neutral","sentiment_score":0.030880327753979583},{"text":"If you think about this amount of cover and what that could do for her now just double checking the debt level.","start":1155.9751,"end":1163.7699,"sentiment":"neutral","sentiment_score":0.032933240587061104},{"text":"Sorry.","start":1163.83,"end":1164.1499,"sentiment":"neutral","sentiment_score":-0.09021791815757751},{"text":"You're right.","start":1164.1499,"end":1164.8099,"sentiment":"neutral","sentiment_score":0.01735779643058777},{"text":"Right.","start":1170.87,"end":1171.37,"sentiment":"neutral","sentiment_score":-0.024996034801006317}],"sentiment":"neutral","sentiment_score":0.027992044321515343,"num_words":55,"start":1148.295,"end":1171.37},{"sentences":[{"text":"That's okay.","start":1172.3899,"end":1173.425,"sentiment":"neutral","sentiment_score":0.03892725799232721},{"text":"Yeah.","start":1175.805,"end":1176.2051,"sentiment":"neutral","sentiment_score":0.022205078974366188},{"text":"No.","start":1176.2051,"end":1176.4451,"sentiment":"neutral","sentiment_score":0.010007448494434357},{"text":"That's absolutely fine.","start":1176.4451,"end":1177.7251,"sentiment":"neutral","sentiment_score":0.1388463427623113},{"text":"So you've got two investment properties now.","start":1177.7251,"end":1180.0651,"sentiment":"neutral","sentiment_score":0.07401837887508529}],"sentiment":"neutral","sentiment_score":0.07462390884757042,"num_words":14,"start":1172.3899,"end":1180.0651},{"sentences":[{"text":"Now just double checking the debt levels for you.","start":1180.4451,"end":1182.8451,"sentiment":"neutral","sentiment_score":-0.015909658331010077},{"text":"So your main primary residence, we had a an a loan owing on that with a 400,000 last year.","start":1182.8451,"end":1189.06,"sentiment":"neutral","sentiment_score":-0.02794859999496686},{"text":"Do you still owe the same amount, or have you reduced that loan a little bit?","start":1189.06,"end":1193.4,"sentiment":"neutral","sentiment_score":-0.08966663759201765},{"text":"No.","start":1196.26,"end":1196.5801,"sentiment":"neutral","sentiment_score":-0.056415148079395294},{"text":"The main primary residence, so where you're living.","start":1196.5801,"end":1198.98,"sentiment":"neutral","sentiment_score":-0.06065436126664281}],"sentiment":"neutral","sentiment_score":-0.05000993518053361,"num_words":53,"start":1180.4451,"end":1198.98},{"sentences":[{"text":"Yeah.","start":1198.98,"end":1199.48,"sentiment":"neutral","sentiment_score":-0.012342894449830055},{"text":"Beautiful.","start":1201.62,"end":1202.12,"sentiment":"positive","sentiment_score":0.4921136200428009},{"text":"So no debt on that property.","start":1202.18,"end":1203.7201,"sentiment":"neutral","sentiment_score":-0.023318180814385414},{"text":"Now I've got your the older investment property that you owned last year when we did the under review, again, I had a debt owing of 400,000.","start":1203.78,"end":1212.305,"sentiment":"neutral","sentiment_score":-0.04524360114225635},{"text":"What do you owe on that investment property?","start":1212.305,"end":1214.405,"sentiment":"neutral","sentiment_score":-0.052421447820961475}],"sentiment":"neutral","sentiment_score":-0.030257841225626858,"num_words":43,"start":1198.98,"end":1214.405},{"sentences":[{"text":"That's okay.","start":1217.3451,"end":1218.03,"sentiment":"neutral","sentiment_score":-0.18379896134138107},{"text":"You're right.","start":1219.9501,"end":1220.6901,"sentiment":"neutral","sentiment_score":-0.009925622958689928},{"text":"400And35000.","start":1222.5901,"end":1224.27,"sentiment":"neutral","sentiment_score":-0.001984365750104189},{"text":"Lovely.","start":1224.27,"end":1224.67,"sentiment":"neutral","sentiment_score":0.22282958030700684},{"text":"And can I just ask as well what suburb is that in just so I can allocate which property is which?","start":1224.67,"end":1231.035,"sentiment":"neutral","sentiment_score":0.029774982748287066}],"sentiment":"neutral","sentiment_score":0.016987803098918113,"num_words":27,"start":1217.3451,"end":1231.035},{"sentences":[{"text":"Werribee Beautiful.","start":1233.435,"end":1234.735,"sentiment":"neutral","sentiment_score":0.1890495866537094},{"text":"Thank you for that.","start":1235.115,"end":1236.0751,"sentiment":"positive","sentiment_score":0.43140722066164017},{"text":"And it was about 435,000, you said, owing on that one.","start":1236.0751,"end":1239.935,"sentiment":"neutral","sentiment_score":0.03911863182756034},{"text":"Yep.","start":1241.115,"end":1241.515,"sentiment":"neutral","sentiment_score":-0.01218746230006218},{"text":"And that's that's absolutely fine.","start":1241.515,"end":1250.79,"sentiment":"neutral","sentiment_score":0.20512430220842362}],"sentiment":"neutral","sentiment_score":0.1542376980347478,"num_words":23,"start":1233.435,"end":1250.79},{"sentences":[{"text":"It's not a problem at all.","start":1250.79,"end":1252.0701,"sentiment":"neutral","sentiment_score":0.26999221245447796},{"text":"And the secondary investment property, the new one that you have, what suburb is that located in?","start":1252.0701,"end":1261.025,"sentiment":"neutral","sentiment_score":0.049018974142039526},{"text":"Glass North.","start":1261.025,"end":1261.845,"sentiment":"neutral","sentiment_score":0.018709621392190456},{"text":"Yep.","start":1262.3049,"end":1262.8049,"sentiment":"neutral","sentiment_score":0.016624704003334045},{"text":"Beautiful.","start":1263.665,"end":1264.165,"sentiment":"neutral","sentiment_score":0.2328556776046753}],"sentiment":"neutral","sentiment_score":0.10148797998273815,"num_words":27,"start":1250.79,"end":1264.165},{"sentences":[{"text":"And what sort of debt do you have on that property currently?","start":1264.705,"end":1267.6849,"sentiment":"neutral","sentiment_score":-0.010531438359369835},{"text":"Yeah.","start":1269.985,"end":1270.2,"sentiment":"neutral","sentiment_score":-0.017993494868278503},{"text":"Okay.","start":1273.7999,"end":1274.2999,"sentiment":"neutral","sentiment_score":0.07592371106147766},{"text":"Beautiful.","start":1274.5199,"end":1275.0199,"sentiment":"neutral","sentiment_score":0.20481319725513455},{"text":"Now if we had a look at that 975,000 if you were to pass away today and we say try to pay off as much of those loans as possible, Yeah.","start":1275.48,"end":1291.215,"sentiment":"neutral","sentiment_score":-0.10347605406516983}],"sentiment":"neutral","sentiment_score":-0.06676938093226889,"num_words":46,"start":1264.705,"end":1291.215},{"sentences":[{"text":"So paying off the property with the 435 owing, that essentially leaves 540,000.","start":1291.215,"end":1298.2001,"sentiment":"neutral","sentiment_score":-0.06114727373306568},{"text":"So it doesn't quite pay off the other property, but you could pay off one or each of the property like, one of the properties, which would leave her with one investment property generating income for support and then maybe a little bit of extra money left over.","start":1298.2001,"end":1312.14,"sentiment":"neutral","sentiment_score":0.1879276621621102},{"text":"Or if she, you know, needed to pay off that, say, we've got $9.63 and we've 540,000, it would leave, sorry, $6.93.","start":1312.775,"end":1326.39,"sentiment":"neutral","sentiment_score":0.045628822831944985},{"text":"$6.93 minus 540,000.","start":1326.39,"end":1329.99,"sentiment":"neutral","sentiment_score":0.032569183657566704},{"text":"It would essentially leave a debt of about 153,000 if she used a lot money to pay off as much of both those properties as possible.","start":1329.99,"end":1337.825,"sentiment":"neutral","sentiment_score":0.05288346312366999}],"sentiment":"neutral","sentiment_score":0.0955546867834138,"num_words":112,"start":1291.215,"end":1337.825},{"sentences":[{"text":"But then if she sort of wanted to keep those, they could be producing rental income to support her long term.","start":1338.125,"end":1344.705,"sentiment":"neutral","sentiment_score":0.1858153215476445},{"text":"When yeah.","start":1345.245,"end":1346.6849,"sentiment":"neutral","sentiment_score":0.07044698670506477},{"text":"So do you feel like being covered for that 701,984 for your life insurance is suitable knowing your super balance is paid on top of that to support, or would do you feel like you would like to have a little bit more life cover?","start":1346.6849,"end":1361.12,"sentiment":"neutral","sentiment_score":0.07809169809851381},{"text":"What's how do you feel about that?","start":1361.12,"end":1372.335,"sentiment":"neutral","sentiment_score":-0.004831163279180016},{"text":"That's okay?","start":1372.475,"end":1373.375,"sentiment":"neutral","sentiment_score":0.001151484902948141}],"sentiment":"neutral","sentiment_score":0.09773541515838209,"num_words":77,"start":1338.125,"end":1373.375},{"sentences":[{"text":"Yep.","start":1381.2899,"end":1381.45,"sentiment":"neutral","sentiment_score":0.04862942546606064},{"text":"Yep.","start":1381.45,"end":1381.95,"sentiment":"neutral","sentiment_score":0.07163892686367035},{"text":"Absolutely.","start":1383.69,"end":1384.19,"sentiment":"neutral","sentiment_score":0.29307225346565247},{"text":"That's definitely another option where she could, you know, pay off one of the properties, sell the other one, clear the debt, and have a little bit left over from maybe the sale of the property plus a bit of life cover to support and provide her with additional income moving forward.","start":1384.4099,"end":1398.425,"sentiment":"neutral","sentiment_score":0.20401079508547598},{"text":"Can I ask, does Kylie work as well?","start":1398.885,"end":1401.0,"sentiment":"neutral","sentiment_score":0.03415656881406903}],"sentiment":"neutral","sentiment_score":0.17928816667861408,"num_words":63,"start":1381.2899,"end":1401.0},{"sentences":[{"text":"Is she working?","start":1401.0,"end":1402.22,"sentiment":"neutral","sentiment_score":0.03451095397273699},{"text":"Yep.","start":1402.28,"end":1402.78,"sentiment":"neutral","sentiment_score":0.08159390091896057},{"text":"Working.","start":1405.4,"end":1405.9,"sentiment":"neutral","sentiment_score":0.33019161224365234},{"text":"Beautiful.","start":1406.04,"end":1406.54,"sentiment":"positive","sentiment_score":0.6498954892158508},{"text":"Self sufficient.","start":1407.0,"end":1407.8201,"sentiment":"positive","sentiment_score":0.47701236605644226}],"sentiment":"neutral","sentiment_score":0.2649048245511949,"num_words":8,"start":1401.0,"end":1407.8201},{"sentences":[{"text":"Excellent.","start":1407.96,"end":1408.46,"sentiment":"neutral","sentiment_score":-0.0009436681866645812},{"text":"And with the type of cover you do have as well, it is indexed every year, which basically means that every year that the policy goes through a renewal, it increases, but the sum insured is increased a little bit.","start":1409.0,"end":1420.875,"sentiment":"neutral","sentiment_score":0.0659697886556387},{"text":"So it's indexed along with CPI.","start":1420.875,"end":1422.735,"sentiment":"neutral","sentiment_score":0.06736025835076968},{"text":"So you do get a the cover increases every year a little bit.","start":1423.835,"end":1427.275,"sentiment":"neutral","sentiment_score":0.11467896573818646},{"text":"It does mean that you do pay a bit more for the cover because the premium also increases.","start":1427.275,"end":1431.86,"sentiment":"neutral","sentiment_score":0.11188765573832724}],"sentiment":"neutral","sentiment_score":0.08393351007730533,"num_words":78,"start":1407.96,"end":1431.86},{"sentences":[{"text":"But it does mean you get a little bit of extra cover each year for your life.","start":1432.5599,"end":1435.94,"sentiment":"neutral","sentiment_score":0.1291550231330535},{"text":"And it's, without there's no additional underwriting in in that additional cover.","start":1436.32,"end":1440.88,"sentiment":"neutral","sentiment_score":0.08033974406619866},{"text":"So it does kind of help a little bit to know that, you know, if you didn't claim for the next five years, the amount you're covered for with your life cover would be increasing over that next five years.","start":1440.88,"end":1450.455,"sentiment":"neutral","sentiment_score":0.19492626525461673},{"text":"So, realistically, she could end up with a bit more money the longer you're, you know, living and not claiming on that cover.","start":1450.455,"end":1457.195,"sentiment":"neutral","sentiment_score":0.05334190473608349},{"text":"Yeah.","start":1457.335,"end":1457.835,"sentiment":"neutral","sentiment_score":0.32708877325057983}],"sentiment":"neutral","sentiment_score":0.13452382273571464,"num_words":93,"start":1432.5599,"end":1457.835},{"sentences":[{"text":"Excellent.","start":1458.67,"end":1459.17,"sentiment":"positive","sentiment_score":0.6157851219177246},{"text":"Well, we'll leave you oh, absolutely.","start":1460.11,"end":1465.5701,"sentiment":"positive","sentiment_score":0.36805446694294613},{"text":"I want you to get through retirement and enjoy those years.","start":1465.71,"end":1468.35,"sentiment":"positive","sentiment_score":0.4251429861919446},{"text":"I don't want anything to happen to you.","start":1468.35,"end":1470.37,"sentiment":"neutral","sentiment_score":-0.17707681190222502},{"text":"All good.","start":1472.155,"end":1472.715,"sentiment":"positive","sentiment_score":0.38746748864650726}],"sentiment":"neutral","sentiment_score":0.2449644733486431,"num_words":28,"start":1458.67,"end":1472.715},{"sentences":[{"text":"So your life cover's comfortable.","start":1472.715,"end":1474.155,"sentiment":"positive","sentiment_score":0.40601000785827634},{"text":"We're happy to leave that as is for the moment.","start":1474.155,"end":1476.155,"sentiment":"positive","sentiment_score":0.3872019723057747},{"text":"Now you have the same level of TBD, but as I kinda went through before, you have that, ADL definition, which makes it very difficult to claim on.","start":1476.155,"end":1484.16,"sentiment":"neutral","sentiment_score":-0.09134806945387806},{"text":"So I do wanna go back and just do that pre assessment with you, get that booked in for you, and do some research around the policy.","start":1484.24,"end":1491.8401,"sentiment":"neutral","sentiment_score":0.0379831218333156},{"text":"If I find I can't update the definition, I'll come back and have that conversation with you.","start":1491.8401,"end":1496.3201,"sentiment":"neutral","sentiment_score":-0.003677434561883702}],"sentiment":"neutral","sentiment_score":0.049509789880322314,"num_words":87,"start":1472.715,"end":1496.3201},{"sentences":[{"text":"I'll tell you the reason why and what we need to look at there.","start":1496.3201,"end":1500.02,"sentiment":"neutral","sentiment_score":0.01789807514952762},{"text":"But the main reason we have TBD insurance is that it's total permanent disability, and it sort of pays out either a lump sum benefit or an income stream if we can never go back to work again.","start":1500.665,"end":1513.065,"sentiment":"neutral","sentiment_score":-0.05424819141626358},{"text":"So due to major disability that under your definitions for this cover, mean that you need help eating, driving, dressing, bathing, going to the toilet.","start":1513.065,"end":1523.64,"sentiment":"neutral","sentiment_score":-0.19899744510650635},{"text":"So you can imagine, in that sort of circumstance, it would be quite drastic.","start":1523.64,"end":1528.44,"sentiment":"neutral","sentiment_score":-0.30442418583801817},{"text":"You would need to maybe pay for care, have modifications to the home, maybe purchase a new car, or maybe, you know, if if highly needed to still go to work, have someone to help you dress and take care of you through the day.","start":1528.44,"end":1540.8151,"sentiment":"neutral","sentiment_score":-0.19137815535068511}],"sentiment":"neutral","sentiment_score":-0.1445569848669145,"num_words":136,"start":1496.3201,"end":1540.8151},{"sentences":[{"text":"So that's essentially why we hold disability insurance.","start":1541.115,"end":1544.5,"sentiment":"neutral","sentiment_score":-0.04447016678750515},{"text":"You have the same level of TPD that you have left, the 701,000.","start":1544.88,"end":1550.18,"sentiment":"neutral","sentiment_score":0.06150174331672203},{"text":"And if you were ever claiming on total incapacity, we can also claim against your super benefits.","start":1550.56,"end":1557.2201,"sentiment":"neutral","sentiment_score":-0.08923792378867373},{"text":"So you can also get your super paid out in that instance as well.","start":1557.28,"end":1560.8151,"sentiment":"neutral","sentiment_score":0.1812230066529342},{"text":"It's just that this definition you have is very hard to claim on.","start":1561.035,"end":1564.8151,"sentiment":"negative","sentiment_score":-0.44675686153081745}],"sentiment":"neutral","sentiment_score":-0.06683077665153318,"num_words":65,"start":1541.115,"end":1564.8151},{"sentences":[{"text":"So are you comfortable with me going back?","start":1565.035,"end":1567.115,"sentiment":"neutral","sentiment_score":-0.2860754653811455},{"text":"Did you wanna keep TBD, and did you want me to go back and look at the definitions and see what kind of TBD?","start":1567.115,"end":1577.35,"sentiment":"neutral","sentiment_score":-0.1776230844358603},{"text":"Yeah.","start":1587.97,"end":1588.155,"sentiment":"neutral","sentiment_score":0.027721062302589417},{"text":"That's okay.","start":1588.555,"end":1589.295,"sentiment":"neutral","sentiment_score":0.10381875932216644},{"text":"Absolutely.","start":1590.235,"end":1590.735,"sentiment":"positive","sentiment_score":0.33676913380622864}],"sentiment":"neutral","sentiment_score":-0.16609527874324057,"num_words":36,"start":1565.035,"end":1590.735},{"sentences":[{"text":"Well, what I can do if you like is I'll I'll after the call, I'll book you in for my admin team to give you a call one afternoon and run through a quick pre assessment.","start":1591.035,"end":1598.5751,"sentiment":"neutral","sentiment_score":0.15627740054494804},{"text":"I can then take the information back, and I'll correlate that with everything I can find.","start":1598.7151,"end":1602.975,"sentiment":"neutral","sentiment_score":0.16512319259345531},{"text":"And I'll look at what kind of TBD might be available to you.","start":1603.13,"end":1607.0701,"sentiment":"neutral","sentiment_score":0.11468332404127488},{"text":"If I am able to find a better definition and put you in a better position and give you a better level of cover, I can keep it exactly at the same level of cover as what you have for life, but I can make the recommendations, show you how that affects you, show you what's on offer, the advantages, the disadvantages, the risks involved, and then you get to decide whether you take that or not.","start":1607.37,"end":1627.265,"sentiment":"neutral","sentiment_score":0.157592265394988},{"text":"It's really important to note that when we provide advice, we're providing you with the recommendations.","start":1627.265,"end":1631.9299,"sentiment":"neutral","sentiment_score":0.05713213759008795}],"sentiment":"neutral","sentiment_score":0.1443516414588954,"num_words":158,"start":1591.035,"end":1631.9299},{"sentences":[{"text":"You get to decide whether you take those recommendations or not.","start":1632.5499,"end":1635.99,"sentiment":"neutral","sentiment_score":0.03174217316237363},{"text":"You're more than welcome to say, I wanna take all the advice, none of it, or just some of it.","start":1635.99,"end":1640.5499,"sentiment":"positive","sentiment_score":0.41492351740598676},{"text":"It's completely your decision.","start":1640.5499,"end":1641.91,"sentiment":"positive","sentiment_score":0.3430972397327423},{"text":"Does that sound okay with you?","start":1641.91,"end":1643.465,"sentiment":"neutral","sentiment_score":0.08805804265042146},{"text":"It it looks like that might have been.","start":1647.365,"end":1650.505,"sentiment":"neutral","sentiment_score":-0.021633255062624812}],"sentiment":"neutral","sentiment_score":0.21174092708649683,"num_words":49,"start":1632.5499,"end":1650.505},{"sentences":[{"text":"It does look like in the original advice piece, there was a bit of an error.","start":1650.565,"end":1654.325,"sentiment":"neutral","sentiment_score":-0.18079701717942953},{"text":"So from what I can see here, the original advice had recommended had recommended the any occupation definition, but it looks like the quote that was provided was the ADL definition.","start":1654.325,"end":1667.4401,"sentiment":"neutral","sentiment_score":-0.07960897636029028},{"text":"So they applied for this definition of PVD, but the document had it noted that it wasn't any occupation.","start":1667.5,"end":1674.355,"sentiment":"neutral","sentiment_score":-0.10832391012656062},{"text":"So I've been sort of going through the file looking over the last couple of years to see where the disconnect was and what actually was happening, and I just kinda can't find it exactly.","start":1674.575,"end":1683.375,"sentiment":"neutral","sentiment_score":-0.21088731288909912},{"text":"So so I'll go back and review it.","start":1683.375,"end":1686.4501,"sentiment":"neutral","sentiment_score":-0.06823610002174973}],"sentiment":"neutral","sentiment_score":-0.14078650996088982,"num_words":109,"start":1650.565,"end":1686.4501},{"sentences":[{"text":"I'm also gonna send this through to our head of advice for remediation actions.","start":1686.4501,"end":1692.2101,"sentiment":"neutral","sentiment_score":-0.00133181203688894},{"text":"She'll go back through and investigate what happened, how it all came about.","start":1692.2101,"end":1695.91,"sentiment":"neutral","sentiment_score":-0.014157192638287177},{"text":"And if there's any kind of remediation that we need to make, we'll make sure we do that.","start":1696.05,"end":1700.685,"sentiment":"neutral","sentiment_score":0.004950628098514345},{"text":"But I would like to just make sure that you have the best definitions of TBD and that you know what it is that you're insured for so you know how to claim if that was to ever become a possibility.","start":1700.8251,"end":1711.82,"sentiment":"neutral","sentiment_score":0.057496932766786434},{"text":"How does that sound, and do you have any questions?","start":1712.2799,"end":1714.7,"sentiment":"neutral","sentiment_score":0.09743969589471817}],"sentiment":"neutral","sentiment_score":0.03352285036817193,"num_words":96,"start":1686.4501,"end":1714.7},{"sentences":[{"text":"That sounds good.","start":1717.32,"end":1718.46,"sentiment":"neutral","sentiment_score":0.3000088731447856},{"text":"That's okay.","start":1718.6799,"end":1719.58,"sentiment":"neutral","sentiment_score":0.20205236971378326},{"text":"There may be questions later.","start":1719.72,"end":1721.1599,"sentiment":"neutral","sentiment_score":0.007616262137889862},{"text":"I do fully understand that when I have these conversations, they can be a lot.","start":1721.1599,"end":1725.675,"sentiment":"neutral","sentiment_score":0.011148103574911753},{"text":"I go through a lot of information, so please tell me if you need me to slow down, break it down, or just stop.","start":1725.755,"end":1732.495,"sentiment":"neutral","sentiment_score":-0.003191918833181262}],"sentiment":"neutral","sentiment_score":0.029241391248544867,"num_words":49,"start":1717.32,"end":1732.495},{"sentences":[{"text":"That's okay.","start":1736.635,"end":1737.4551,"sentiment":"neutral","sentiment_score":0.04229831323027611},{"text":"Absolutely.","start":1738.87,"end":1739.19,"sentiment":"neutral","sentiment_score":0.020495528355240825},{"text":"What I'll even do for you, Daniel, is I'll send you an email after the call.","start":1739.19,"end":1742.97,"sentiment":"neutral","sentiment_score":0.27669488452374935},{"text":"That way, you've got my direct email.","start":1743.51,"end":1745.75,"sentiment":"neutral","sentiment_score":0.2737603783607483},{"text":"If you find you have any additional questions, you can email me to ask me or you can call us.","start":1745.75,"end":1750.6499,"sentiment":"neutral","sentiment_score":0.2087870441377163}],"sentiment":"neutral","sentiment_score":0.23096247474946405,"num_words":46,"start":1736.635,"end":1750.6499},{"sentences":[{"text":"And then because I'm also gonna book in a pre assessment, when my admin team member gives you a call to go through that, if you find you have extra questions, I'll make sure I'm available then for you as well.","start":1750.87,"end":1761.055,"sentiment":"neutral","sentiment_score":0.22646097675329302},{"text":"Okay?","start":1761.055,"end":1761.555,"sentiment":"neutral","sentiment_score":0.11418889462947844},{"text":"Then fantastic.","start":1763.2151,"end":1764.1151,"sentiment":"positive","sentiment_score":0.736388087272644},{"text":"Now just the other sorts of insurances that you don't have at the moment are income protection and trauma.","start":1765.375,"end":1770.57,"sentiment":"neutral","sentiment_score":-0.07491615747934893},{"text":"Now has anyone ever discussed those types of personal insurances with you in the past, or do you know how those types of covers work at all?","start":1770.57,"end":1778.59,"sentiment":"neutral","sentiment_score":-0.04552567695026045}],"sentiment":"neutral","sentiment_score":0.09132516495883465,"num_words":90,"start":1750.87,"end":1778.59},{"sentences":[{"text":"That's okay.","start":1783.975,"end":1784.6349,"sentiment":"neutral","sentiment_score":-0.11578192189335823},{"text":"No.","start":1786.375,"end":1786.5349,"sentiment":"neutral","sentiment_score":-0.1191004067659378},{"text":"That's okay.","start":1786.5349,"end":1787.1749,"sentiment":"neutral","sentiment_score":-0.041773585602641106},{"text":"It's honestly fine.","start":1787.1749,"end":1789.095,"sentiment":"neutral","sentiment_score":0.20693034927050272},{"text":"So there are four types of personal insurances that advisers generally do advise on.","start":1789.095,"end":1793.975,"sentiment":"neutral","sentiment_score":0.04050920517849071}],"sentiment":"neutral","sentiment_score":0.034259477206929165,"num_words":22,"start":1783.975,"end":1793.975},{"sentences":[{"text":"You've got life cover, total permanent disability cover, income protection, and trauma.","start":1793.975,"end":1798.5549,"sentiment":"neutral","sentiment_score":-0.004201506730169058},{"text":"It looks like you've only got life and TPD at the moment.","start":1799.26,"end":1802.24,"sentiment":"neutral","sentiment_score":-0.008647050087650618},{"text":"You don't have any income protection.","start":1802.7,"end":1804.4,"sentiment":"neutral","sentiment_score":-0.09755111113190651},{"text":"So income protection, if you apply for it, can pay out a monthly benefit.","start":1804.46,"end":1810.24,"sentiment":"neutral","sentiment_score":0.0070423731314284465},{"text":"Under legislative, they only pay up to 70% of your your gross income, a pretax income, on a monthly basis to help cover short term expenses in the event that you're unable to go to work.","start":1810.94,"end":1824.255,"sentiment":"neutral","sentiment_score":0.011818811814818118}],"sentiment":"neutral","sentiment_score":-0.0026927362428978085,"num_words":80,"start":1793.975,"end":1824.255},{"sentences":[{"text":"Income protection normally is the first thing we claim on because you have investment properties.","start":1824.795,"end":1830.0,"sentiment":"neutral","sentiment_score":0.048804173121849696},{"text":"Essentially, an income protection claim, if you were to claim on the benefit, they would ask you for your payslips to look at how much you were earning prior to you being off work and due to illness or injury.","start":1830.38,"end":1841.2949,"sentiment":"neutral","sentiment_score":0.017108912440016867},{"text":"And then they would also ask for, like, tax returns to show what other kind of income that you are able to receive.","start":1841.595,"end":1847.135,"sentiment":"neutral","sentiment_score":0.07413676656458688},{"text":"So as an example, if you were, say, earning, you know, $5,000 on a monthly basis there, they would get your pay slips to show your monthly income and how that looks pre disability.","start":1847.355,"end":1858.95,"sentiment":"neutral","sentiment_score":0.01656023779993548},{"text":"They'd also ask for your tax returns and see what your investment properties were earning as well.","start":1859.73,"end":1864.37,"sentiment":"neutral","sentiment_score":0.016553941785412675}],"sentiment":"neutral","sentiment_score":0.030744417216773182,"num_words":129,"start":1824.795,"end":1864.37},{"sentences":[{"text":"So they would then take what you were earning prior minus any income that you can continue to earn whilst you're off work, and then they subtract that back to work out what you're able to actually receive.","start":1864.37,"end":1876.205,"sentiment":"neutral","sentiment_score":0.006538663157506993},{"text":"One of the things, income protection when you are older, I'm open and honest with you, can be quite expensive.","start":1876.745,"end":1883.085,"sentiment":"neutral","sentiment_score":-0.1202593358233571},{"text":"It is because it's the first thing we claim on is 90% of your insurance costs.","start":1883.305,"end":1888.45,"sentiment":"neutral","sentiment_score":-0.13119863672181964},{"text":"And as you get into your late forties, early fifties, it can be very expensive.","start":1888.45,"end":1892.71,"sentiment":"neutral","sentiment_score":-0.13298849314451217},{"text":"When looking at whether you need income protection or not, it's about understanding what your expenditure looks like on a monthly basis and whether if you were off work, do you have enough sick leave, annual leave, long service leave, savings to fall back on?","start":1893.25,"end":1907.1951,"sentiment":"neutral","sentiment_score":-0.03975157505936093}],"sentiment":"neutral","sentiment_score":-0.05999659685723817,"num_words":134,"start":1864.37,"end":1907.1951},{"sentences":[{"text":"Do do sorry.","start":1907.1951,"end":1908.155,"sentiment":"neutral","sentiment_score":-0.09595867743094762},{"text":"Does your investment properties provide enough income coming in and or your wife's income?","start":1908.155,"end":1913.435,"sentiment":"neutral","sentiment_score":-0.03467422164976597},{"text":"Does all of that together support you long enough?","start":1913.435,"end":1916.78,"sentiment":"neutral","sentiment_score":-0.018352790011299983},{"text":"So at the moment, because you don't have any sort of income protection cover, to think about if you were off work due to illness or injury, do you have sick leave, long service leave, or anything leave wise at work to fall back on, or does your employer provide you with any additional insurances, or are you part of a union that has any income protection?","start":1916.78,"end":1939.105,"sentiment":"neutral","sentiment_score":-0.05204780802909118},{"text":"Yep.","start":1945.965,"end":1946.4,"sentiment":"neutral","sentiment_score":-0.04431871697306633}],"sentiment":"neutral","sentiment_score":-0.047553320217164276,"num_words":94,"start":1907.1951,"end":1946.4},{"sentences":[{"text":"Yep.","start":1951.12,"end":1951.62,"sentiment":"neutral","sentiment_score":-0.04773658141493797},{"text":"Perfect.","start":1953.28,"end":1953.78,"sentiment":"neutral","sentiment_score":0.2632772922515869},{"text":"Fantastic.","start":1958.3201,"end":1958.8201,"sentiment":"positive","sentiment_score":0.3409082293510437},{"text":"Beautiful.","start":1959.165,"end":1959.665,"sentiment":"neutral","sentiment_score":0.22068926692008972},{"text":"Yeah.","start":1961.005,"end":1961.505,"sentiment":"neutral","sentiment_score":0.013633087277412416}],"sentiment":"neutral","sentiment_score":0.15815425887703896,"num_words":5,"start":1951.12,"end":1961.505},{"sentences":[{"text":"12 months?","start":1972.125,"end":1974.13,"sentiment":"neutral","sentiment_score":-0.03522488567978144},{"text":"Yep.","start":1974.27,"end":1974.75,"sentiment":"neutral","sentiment_score":0.08581909537315369},{"text":"Beautiful.","start":1974.75,"end":1975.25,"sentiment":"positive","sentiment_score":0.3823966979980469},{"text":"Fantastic.","start":1975.47,"end":1975.97,"sentiment":"positive","sentiment_score":0.39890122413635254},{"text":"And, look, you do own your own home outright.","start":1976.0299,"end":1978.11,"sentiment":"neutral","sentiment_score":0.07919623164667024}],"sentiment":"neutral","sentiment_score":0.10781666649771589,"num_words":14,"start":1972.125,"end":1978.11},{"sentences":[{"text":"So it is just the investment properties there.","start":1978.11,"end":1980.5299,"sentiment":"neutral","sentiment_score":0.06449002679437399},{"text":"And longer term, if you weren't then able to go back to work, we would try to look at, you know, TBD or releasing super, and your wife still has income coming in.","start":1980.83,"end":1990.385,"sentiment":"neutral","sentiment_score":0.06725479397132542},{"text":"So you feel you're pretty comfortable with that income protection that everything would be okay long term?","start":1990.385,"end":1995.205,"sentiment":"neutral","sentiment_score":0.15789567898301518},{"text":"Yeah.","start":1995.265,"end":1995.765,"sentiment":"neutral","sentiment_score":0.05419430136680603},{"text":"I love that.","start":2000.4701,"end":2001.1901,"sentiment":"positive","sentiment_score":0.39109545449415845}],"sentiment":"neutral","sentiment_score":0.10721025198337532,"num_words":62,"start":1978.11,"end":2001.1901},{"sentences":[{"text":"That's beautiful.","start":2001.1901,"end":2001.93,"sentiment":"positive","sentiment_score":0.5319767594337463},{"text":"No.","start":2002.0701,"end":2002.2301,"sentiment":"neutral","sentiment_score":0.13449862599372864},{"text":"That's excellent.","start":2002.2301,"end":2003.05,"sentiment":"positive","sentiment_score":0.5161628425121307},{"text":"Yep.","start":2003.51,"end":2004.01,"sentiment":"neutral","sentiment_score":0.10159996151924132},{"text":"Done.","start":2007.75,"end":2008.25,"sentiment":"neutral","sentiment_score":-0.0453341118991375}],"sentiment":"neutral","sentiment_score":0.3267205256436552,"num_words":7,"start":2001.1901,"end":2008.25},{"sentences":[{"text":"Yeah.","start":2009.67,"end":2010.17,"sentiment":"neutral","sentiment_score":-0.018570277839899063},{"text":"Yeah.","start":2012.31,"end":2012.685,"sentiment":"neutral","sentiment_score":-0.02126322314143181},{"text":"Yeah.","start":2016.925,"end":2017.425,"sentiment":"neutral","sentiment_score":-0.01865215227007866},{"text":"No.","start":2018.4451,"end":2018.685,"sentiment":"neutral","sentiment_score":-0.055845119059085846},{"text":"That's that's completely understandable, and that's okay.","start":2018.685,"end":2023.185,"sentiment":"neutral","sentiment_score":0.05905669555068016}],"sentiment":"neutral","sentiment_score":0.027187826958569614,"num_words":11,"start":2009.67,"end":2023.185},{"sentences":[{"text":"All good.","start":2023.2451,"end":2023.9851,"sentiment":"positive","sentiment_score":0.412874698638916},{"text":"With your regular expenditure, are you guys managing to put sort of much money away on a monthly or fortnightly or weekly basis?","start":2025.0851,"end":2032.34,"sentiment":"neutral","sentiment_score":0.014677272765370815},{"text":"I think last year, you said you were able to save about $300 per week.","start":2032.64,"end":2036.64,"sentiment":"neutral","sentiment_score":0.03760321065783501},{"text":"Are you still finding that that's possible, or is it kind of dropped a bit with the new investment property coming into play?","start":2036.64,"end":2042.295,"sentiment":"neutral","sentiment_score":-0.03252482349457948},{"text":"Yep.","start":2048.7751,"end":2049.2751,"sentiment":"neutral","sentiment_score":0.0336601696908474}],"sentiment":"neutral","sentiment_score":0.01582756343850633,"num_words":64,"start":2023.2451,"end":2049.2751},{"sentences":[{"text":"Yeah.","start":2058.3901,"end":2058.8901,"sentiment":"neutral","sentiment_score":0.04716605320572853},{"text":"So expenses have dropped a little bit.","start":2063.83,"end":2065.75,"sentiment":"neutral","sentiment_score":-0.030064362500395094},{"text":"That's nice.","start":2065.75,"end":2066.57,"sentiment":"neutral","sentiment_score":0.23146480321884155},{"text":"Yeah.","start":2069.565,"end":2070.065,"sentiment":"neutral","sentiment_score":0.07703132927417755},{"text":"Fantastic.","start":2070.925,"end":2071.425,"sentiment":"positive","sentiment_score":0.5787636041641235}],"sentiment":"neutral","sentiment_score":0.07962000463157892,"num_words":12,"start":2058.3901,"end":2071.425},{"sentences":[{"text":"Excellent.","start":2072.685,"end":2073.185,"sentiment":"positive","sentiment_score":0.592896580696106},{"text":"Yeah.","start":2076.445,"end":2076.945,"sentiment":"neutral","sentiment_score":0.2468559741973877},{"text":"Okay.","start":2083.885,"end":2084.25,"sentiment":"neutral","sentiment_score":0.1896430104970932},{"text":"Yes.","start":2084.57,"end":2084.89,"sentiment":"neutral","sentiment_score":0.18282699584960935},{"text":"Fantastic.","start":2084.89,"end":2085.39,"sentiment":"neutral","sentiment_score":0.06060053035616875}],"sentiment":"neutral","sentiment_score":0.254564618319273,"num_words":5,"start":2072.685,"end":2085.39},{"sentences":[{"text":"Yep.","start":2093.29,"end":2093.79,"sentiment":"neutral","sentiment_score":0.12172503769397736},{"text":"Yep.","start":2094.09,"end":2094.59,"sentiment":"neutral","sentiment_score":0.23139578104019165},{"text":"Excellent.","start":2094.65,"end":2095.15,"sentiment":"positive","sentiment_score":0.7289952039718628},{"text":"Lovely.","start":2095.21,"end":2095.69,"sentiment":"positive","sentiment_score":0.6770440340042114},{"text":"If you were to say quantify, do you feel like saying about $300 per week is fairly average or accurate for what you would assume to be saving, or would you maybe say a little bit higher at the moment just to kinda quantify it?","start":2095.69,"end":2108.2651,"sentiment":"neutral","sentiment_score":0.06194073822763231}],"sentiment":"neutral","sentiment_score":0.0927855770806877,"num_words":49,"start":2093.29,"end":2108.2651},{"sentences":[{"text":"I know it's probably difficult because your wife has it on.","start":2108.2651,"end":2110.585,"sentiment":"neutral","sentiment_score":-0.23174881393259222},{"text":"I do apologize.","start":2110.585,"end":2111.325,"sentiment":"neutral","sentiment_score":-0.16653212904930115},{"text":"The same.","start":2112.9,"end":2113.88,"sentiment":"neutral","sentiment_score":-0.03561750892549753},{"text":"Yep.","start":2126.3398,"end":2126.66,"sentiment":"neutral","sentiment_score":0.07801054418087006},{"text":"Yep.","start":2126.66,"end":2126.9,"sentiment":"neutral","sentiment_score":0.13399222493171692}],"sentiment":"neutral","sentiment_score":-0.16155919939693478,"num_words":18,"start":2108.2651,"end":2126.9},{"sentences":[{"text":"Beautiful.","start":2126.9,"end":2127.4,"sentiment":"positive","sentiment_score":0.5666856169700623},{"text":"Thank you for clarifying that.","start":2128.375,"end":2129.655,"sentiment":"positive","sentiment_score":0.6492133736610413},{"text":"Appreciate it.","start":2129.655,"end":2130.635,"sentiment":"positive","sentiment_score":0.5466266870498657},{"text":"Now the last type of insurances I do need to talk about is trauma.","start":2130.855,"end":2134.615,"sentiment":"neutral","sentiment_score":-0.03385196027479002},{"text":"So trauma tends to pad a lump sum tax free benefit in the event that you're, say, diagnosed with a major traumatic condition.","start":2134.615,"end":2141.85,"sentiment":"neutral","sentiment_score":-0.00041064186750546747}],"sentiment":"neutral","sentiment_score":0.09828074783500698,"num_words":45,"start":2126.9,"end":2141.85},{"sentences":[{"text":"So some of the main ones that people claim on for trauma are, say, heart attack, stroke, Parkinson's, MS, or cancer is probably the biggest one.","start":2142.09,"end":2152.03,"sentiment":"neutral","sentiment_score":-0.032893019083600775},{"text":"Did you so with, like, life and TB income protection, you can pay for those out of your super funds.","start":2152.9702,"end":2158.445,"sentiment":"neutral","sentiment_score":0.012627660669386387},{"text":"You're not paying the premiums out of your back pocket.","start":2158.445,"end":2160.845,"sentiment":"neutral","sentiment_score":-0.04941618051379919},{"text":"But with trauma, you can't do that.","start":2160.845,"end":2162.945,"sentiment":"neutral","sentiment_score":-0.10861520203096527},{"text":"You do have to pay the premiums out of your back pocket.","start":2163.245,"end":2165.905,"sentiment":"neutral","sentiment_score":-0.06624935194849968}],"sentiment":"neutral","sentiment_score":-0.03536167634030183,"num_words":75,"start":2142.09,"end":2165.905},{"sentences":[{"text":"Being as you you do have savings, sick leave, long service leave, things like that to fall back on.","start":2166.445,"end":2171.3198,"sentiment":"neutral","sentiment_score":-0.010589475400353732},{"text":"Do you feel like you would need to look at trauma, or are you comfortable just not worrying about that level of cover with the trauma?","start":2171.3198,"end":2177.26,"sentiment":"neutral","sentiment_score":-0.07076036414274803},{"text":"Yep.","start":2179.5598,"end":2179.96,"sentiment":"neutral","sentiment_score":0.07091887295246124},{"text":"That's okay.","start":2179.96,"end":2180.78,"sentiment":"neutral","sentiment_score":0.06752598285675049},{"text":"Absolutely fine.","start":2181.5598,"end":2182.52,"sentiment":"neutral","sentiment_score":0.2514432817697525}],"sentiment":"neutral","sentiment_score":-0.026642241962254048,"num_words":50,"start":2166.445,"end":2182.52},{"sentences":[{"text":"If anything ever changed and you wanted to find out more or had questions around those, just let me know.","start":2182.52,"end":2186.9448,"sentiment":"neutral","sentiment_score":0.10716188289225101},{"text":"I'm more than happy to go into more detail with you.","start":2186.9448,"end":2189.525,"sentiment":"neutral","sentiment_score":0.315910356965932},{"text":"Okay?","start":2189.585,"end":2190.085,"sentiment":"neutral","sentiment_score":0.11222901940345764},{"text":"Fantastic.","start":2191.025,"end":2191.525,"sentiment":"neutral","sentiment_score":0.13981041312217712},{"text":"Excellent.","start":2192.225,"end":2192.725,"sentiment":"neutral","sentiment_score":0.0370144322514534}],"sentiment":"neutral","sentiment_score":0.17374427791904,"num_words":34,"start":2182.52,"end":2192.725},{"sentences":[{"text":"Now just to kinda clarify and go through a few more details with regards to your circumstances, income last year, we had you on about 80,000.","start":2193.025,"end":2200.645,"sentiment":"neutral","sentiment_score":0.004187317015468859},{"text":"Have you had a pay increase since then at all?","start":2201.105,"end":2207.08,"sentiment":"neutral","sentiment_score":-0.010445696488022804},{"text":"Yep.","start":2218.2249,"end":2218.545,"sentiment":"neutral","sentiment_score":0.01135987602174282},{"text":"Yep.","start":2218.545,"end":2219.045,"sentiment":"neutral","sentiment_score":0.021358726546168327},{"text":"Yep.","start":2225.025,"end":2225.525,"sentiment":"neutral","sentiment_score":0.00996345467865467}],"sentiment":"neutral","sentiment_score":0.001207572686372516,"num_words":39,"start":2193.025,"end":2225.525},{"sentences":[{"text":"Yep.","start":2226.305,"end":2226.805,"sentiment":"neutral","sentiment_score":0.14446969330310822},{"text":"Perfect.","start":2227.025,"end":2227.525,"sentiment":"positive","sentiment_score":0.6305121183395386},{"text":"Excellent.","start":2228.625,"end":2229.125,"sentiment":"positive","sentiment_score":0.6426603198051453},{"text":"Not a problem at all.","start":2229.345,"end":2230.2249,"sentiment":"positive","sentiment_score":0.35919860005378723},{"text":"So a little over 90,000.","start":2230.2249,"end":2231.765,"sentiment":"neutral","sentiment_score":0.20935883671045302}],"sentiment":"neutral","sentiment_score":0.32772533194376874,"num_words":13,"start":2226.305,"end":2231.765},{"sentences":[{"text":"Lovely.","start":2231.825,"end":2232.325,"sentiment":"positive","sentiment_score":0.4941184520721435},{"text":"I've got down here.","start":2233.24,"end":2234.2002,"sentiment":"neutral","sentiment_score":0.27104707062244415},{"text":"Now we've confirmed most of the debt levels on the properties there, but with your main primary residence, we had an asset value last year of about 900,000.","start":2234.2002,"end":2242.22,"sentiment":"neutral","sentiment_score":0.0450285453615444},{"text":"What sort of what sort of value would you put on the property now, do you think?","start":2242.52,"end":2247.855,"sentiment":"neutral","sentiment_score":0.018657422569744727},{"text":"Mhmm.","start":2255.275,"end":2255.775,"sentiment":"neutral","sentiment_score":0.0027933488599956036}],"sentiment":"neutral","sentiment_score":0.061942657592761165,"num_words":51,"start":2231.825,"end":2255.775},{"sentences":[{"text":"Yeah.","start":2260.7148,"end":2261.01,"sentiment":"neutral","sentiment_score":0.041954632848501205},{"text":"Absolutely.","start":2262.05,"end":2262.55,"sentiment":"neutral","sentiment_score":0.06802865117788315},{"text":"Yep.","start":2263.65,"end":2264.15,"sentiment":"neutral","sentiment_score":0.06475614756345749},{"text":"Not a problem at all.","start":2264.29,"end":2265.65,"sentiment":"neutral","sentiment_score":0.0832597404718399},{"text":"And with the Werribee property, we had a value of that last year of 500,000.","start":2265.65,"end":2271.09,"sentiment":"neutral","sentiment_score":0.030770981311798097}],"sentiment":"neutral","sentiment_score":0.04576534146200056,"num_words":23,"start":2260.7148,"end":2271.09},{"sentences":[{"text":"What sort of value would you put on the property at Werribee now?","start":2271.09,"end":2274.255,"sentiment":"neutral","sentiment_score":0.009356824322961844},{"text":"The 5 100?","start":2278.875,"end":2279.855,"sentiment":"neutral","sentiment_score":-0.012183780161043009},{"text":"That's a good that is.","start":2280.2349,"end":2282.175,"sentiment":"neutral","sentiment_score":0.009236040571704508},{"text":"Absolutely.","start":2282.395,"end":2282.895,"sentiment":"neutral","sentiment_score":0.05880348011851311},{"text":"And with the Clyde North property, what sort of value would you put on that one at the moment?","start":2283.515,"end":2293.97,"sentiment":"neutral","sentiment_score":0.0032306075782368056}],"sentiment":"neutral","sentiment_score":0.006132990309241705,"num_words":41,"start":2271.09,"end":2293.97},{"sentences":[{"text":"Mhmm.","start":2298.75,"end":2299.25,"sentiment":"neutral","sentiment_score":-0.010183831676840782},{"text":"Mhmm.","start":2300.295,"end":2300.795,"sentiment":"neutral","sentiment_score":-0.016923336312174797},{"text":"No.","start":2300.9348,"end":2301.4348,"sentiment":"neutral","sentiment_score":-0.06643851101398468},{"text":"Yeah.","start":2311.415,"end":2311.915,"sentiment":"neutral","sentiment_score":0.013615582138299942},{"text":"7 100?","start":2314.615,"end":2315.92,"sentiment":"neutral","sentiment_score":0.021097608841955662}],"sentiment":"neutral","sentiment_score":-0.006289146530131499,"num_words":6,"start":2298.75,"end":2315.92},{"sentences":[{"text":"Yeah.","start":2315.92,"end":2316.08,"sentiment":"neutral","sentiment_score":0.0721733421087265},{"text":"Absolutely.","start":2316.08,"end":2316.58,"sentiment":"neutral","sentiment_score":0.18438610434532168},{"text":"Not a problem at all.","start":2317.12,"end":2318.58,"sentiment":"neutral","sentiment_score":0.16938674747943877},{"text":"And I also had your Ford Focus, your vehicle down.","start":2318.72,"end":2321.36,"sentiment":"neutral","sentiment_score":0.04038909636437893},{"text":"Do you still have the same vehicle?","start":2321.36,"end":2323.06,"sentiment":"neutral","sentiment_score":0.015722455190760747}],"sentiment":"neutral","sentiment_score":0.06739338890959819,"num_words":24,"start":2315.92,"end":2323.06},{"sentences":[{"text":"Yeah.","start":2325.52,"end":2325.92,"sentiment":"neutral","sentiment_score":0.17544890940189362},{"text":"Fantastic.","start":2325.92,"end":2326.42,"sentiment":"positive","sentiment_score":0.5422623157501221},{"text":"Asset value on that last year was about 50,000.","start":2327.04,"end":2329.86,"sentiment":"neutral","sentiment_score":0.22577311760849422},{"text":"If you were to sell the vehicle to recurve rate costs.","start":2330.355,"end":2333.255,"sentiment":"neutral","sentiment_score":0.13218042660843243},{"text":"What kind of sale price would you put on it?","start":2333.315,"end":2335.635,"sentiment":"neutral","sentiment_score":0.06690454222261906}],"sentiment":"neutral","sentiment_score":0.1522718562046066,"num_words":32,"start":2325.52,"end":2335.635},{"sentences":[{"text":"What would you want what value is it to you?","start":2335.635,"end":2338.215,"sentiment":"neutral","sentiment_score":0.052184524945914745},{"text":"Yeah.","start":2342.195,"end":2342.46,"sentiment":"neutral","sentiment_score":0.024736810475587845},{"text":"12,000?","start":2346.54,"end":2347.44,"sentiment":"neutral","sentiment_score":0.036346666514873505},{"text":"Fantastic.","start":2347.58,"end":2348.08,"sentiment":"positive","sentiment_score":0.4843849539756775},{"text":"Excellent.","start":2349.26,"end":2349.76,"sentiment":"positive","sentiment_score":0.5395256280899048}],"sentiment":"neutral","sentiment_score":0.11477423632251364,"num_words":14,"start":2335.635,"end":2349.76},{"sentences":[{"text":"And you mentioned you've got some savings there as well.","start":2350.06,"end":2352.3,"sentiment":"neutral","sentiment_score":0.21206441819667815},{"text":"Do you know how much you have in your savings account as backup?","start":2352.3,"end":2354.985,"sentiment":"neutral","sentiment_score":0.1026943841805825},{"text":"27.","start":2359.0652,"end":2359.965,"sentiment":"neutral","sentiment_score":0.043926116079092026},{"text":"Yep.","start":2360.1052,"end":2360.6052,"sentiment":"neutral","sentiment_score":0.1334531605243683},{"text":"Fantastic.","start":2360.665,"end":2361.165,"sentiment":"positive","sentiment_score":0.34425270557403564}],"sentiment":"neutral","sentiment_score":0.15297319840353268,"num_words":26,"start":2350.06,"end":2361.165},{"sentences":[{"text":"And any other assets you would note down?","start":2361.465,"end":2363.7852,"sentiment":"neutral","sentiment_score":0.12477410864084959},{"text":"Any other cars, boats, caravans, or shares, or crypto currency, or collections.","start":2363.7852,"end":2368.3,"sentiment":"neutral","sentiment_score":0.0797619999696811},{"text":"Yep.","start":2373.64,"end":2374.14,"sentiment":"neutral","sentiment_score":0.030080828815698624},{"text":"Yep.","start":2374.52,"end":2375.02,"sentiment":"neutral","sentiment_score":0.025295456871390343},{"text":"You see 50.","start":2377.48,"end":2378.38,"sentiment":"neutral","sentiment_score":0.012059756554663181}],"sentiment":"neutral","sentiment_score":0.08187569696456194,"num_words":25,"start":2361.465,"end":2378.38},{"sentences":[{"text":"Yep.","start":2380.2,"end":2380.52,"sentiment":"neutral","sentiment_score":0.07708529382944107},{"text":"Beautiful.","start":2380.52,"end":2381.0,"sentiment":"neutral","sentiment_score":0.2440242171287537},{"text":"And it's owned outright.","start":2381.0,"end":2382.22,"sentiment":"neutral","sentiment_score":0.07281086593866348},{"text":"No.","start":2382.36,"end":2382.765,"sentiment":"neutral","sentiment_score":-0.013345087878406048},{"text":"Nothing owing on that one?","start":2382.845,"end":2390.765,"sentiment":"neutral","sentiment_score":-0.022999303229153157}],"sentiment":"neutral","sentiment_score":0.04033428089072307,"num_words":12,"start":2380.2,"end":2390.765},{"sentences":[{"text":"Yeah.","start":2390.765,"end":2391.2449,"sentiment":"neutral","sentiment_score":0.0011156597174704077},{"text":"No.","start":2391.2449,"end":2391.4849,"sentiment":"neutral","sentiment_score":-0.02327975630760193},{"text":"That's okay.","start":2391.4849,"end":2392.285,"sentiment":"neutral","sentiment_score":-0.002410963468719274},{"text":"Another asset I like to note down is contents.","start":2392.285,"end":2394.7048,"sentiment":"neutral","sentiment_score":0.01257703598174784},{"text":"I know it's sorta hard to value what your contents is.","start":2395.29,"end":2397.77,"sentiment":"neutral","sentiment_score":-0.05525481260635636}],"sentiment":"neutral","sentiment_score":-0.021733151598406646,"num_words":24,"start":2390.765,"end":2397.77},{"sentences":[{"text":"Do you know what your contents would be on your home and contents insurance, what you'd have it valued at roughly?","start":2397.77,"end":2403.87,"sentiment":"neutral","sentiment_score":-0.003054320102646237},{"text":"80,000.","start":2407.37,"end":2408.19,"sentiment":"neutral","sentiment_score":0.012803131714463234},{"text":"Yep.","start":2408.325,"end":2408.805,"sentiment":"neutral","sentiment_score":0.04867691919207573},{"text":"Perfect.","start":2408.805,"end":2409.305,"sentiment":"positive","sentiment_score":0.34389013051986694},{"text":"Excellent.","start":2410.4849,"end":2410.9849,"sentiment":"positive","sentiment_score":0.4538873434066773}],"sentiment":"neutral","sentiment_score":0.03180467210710049,"num_words":25,"start":2397.77,"end":2410.9849},{"sentences":[{"text":"Yep.","start":2414.2449,"end":2414.7449,"sentiment":"neutral","sentiment_score":0.02396661601960659},{"text":"No.","start":2414.9648,"end":2415.2048,"sentiment":"neutral","sentiment_score":0.0001389589160680771},{"text":"That's okay.","start":2415.2048,"end":2416.025,"sentiment":"neutral","sentiment_score":0.056648846715688705},{"text":"Fantastic.","start":2416.2449,"end":2416.7449,"sentiment":"positive","sentiment_score":0.4003798663616181},{"text":"Thank you so much for that.","start":2416.9648,"end":2418.585,"sentiment":"positive","sentiment_score":0.5190134843190511}],"sentiment":"neutral","sentiment_score":0.33198764005845244,"num_words":11,"start":2414.2449,"end":2418.585},{"sentences":[{"text":"I oh, you sure?","start":2419.685,"end":2422.345,"sentiment":"neutral","sentiment_score":0.10086440667510033},{"text":"Sorry.","start":2422.58,"end":2422.98,"sentiment":"neutral","sentiment_score":-0.001577252522110939},{"text":"Absolutely.","start":2422.98,"end":2423.48,"sentiment":"neutral","sentiment_score":0.0041896584443748},{"text":"Yep.","start":2434.5,"end":2434.82,"sentiment":"neutral","sentiment_score":0.05321570858359337},{"text":"XC Staffing.","start":2434.82,"end":2435.62,"sentiment":"neutral","sentiment_score":0.039941626600921154}],"sentiment":"neutral","sentiment_score":0.05990766604534454,"num_words":9,"start":2419.685,"end":2435.62},{"sentences":[{"text":"Yep.","start":2435.62,"end":2435.86,"sentiment":"neutral","sentiment_score":0.1836923211812973},{"text":"Perfect.","start":2435.86,"end":2436.36,"sentiment":"positive","sentiment_score":0.5999183654785156},{"text":"30,000.","start":2440.695,"end":2441.595,"sentiment":"neutral","sentiment_score":0.1879788637161255},{"text":"Lovely.","start":2441.735,"end":2442.215,"sentiment":"positive","sentiment_score":0.5507333278656006},{"text":"And earned outright.","start":2442.215,"end":2443.175,"sentiment":"neutral","sentiment_score":0.25112712383270264}],"sentiment":"neutral","sentiment_score":0.32510060710566385,"num_words":7,"start":2435.62,"end":2443.175},{"sentences":[{"text":"No debts on that one at all?","start":2443.175,"end":2444.795,"sentiment":"neutral","sentiment_score":0.0930582487157413},{"text":"Fantastic.","start":2446.695,"end":2447.195,"sentiment":"positive","sentiment_score":0.6841244697570801},{"text":"Lovely.","start":2447.655,"end":2448.155,"sentiment":"positive","sentiment_score":0.6546793580055237},{"text":"Excellent.","start":2448.455,"end":2448.855,"sentiment":"positive","sentiment_score":0.6211793422698975},{"text":"Well, thank you so much for updating those details there.","start":2448.855,"end":2451.9102,"sentiment":"positive","sentiment_score":0.5997076272964478}],"sentiment":"positive","sentiment_score":0.4304233592003584,"num_words":20,"start":2443.175,"end":2451.9102},{"sentences":[{"text":"Now the other thing we wanted to sort of check on is the estate planning aspect.","start":2452.1301,"end":2456.31,"sentiment":"neutral","sentiment_score":0.07669523800723255},{"text":"Now having a look here, it says that you and your wife have done a will in the past.","start":2456.37,"end":2460.31,"sentiment":"neutral","sentiment_score":0.04474154251970743},{"text":"Is your will still active, and does it reflect your current wishes that you're aware of?","start":2460.9302,"end":2465.1702,"sentiment":"neutral","sentiment_score":0.05169007659424096},{"text":"Have you had it reviewed or anything?","start":2465.1702,"end":2466.825,"sentiment":"neutral","sentiment_score":0.013982040541512626},{"text":"Still good?","start":2469.385,"end":2470.025,"sentiment":"neutral","sentiment_score":0.139102540910244}],"sentiment":"neutral","sentiment_score":0.054672228451818225,"num_words":60,"start":2452.1301,"end":2470.025},{"sentences":[{"text":"Yep.","start":2470.025,"end":2470.345,"sentiment":"neutral","sentiment_score":0.10662370175123216},{"text":"Beautiful.","start":2470.345,"end":2470.7449,"sentiment":"neutral","sentiment_score":0.26411715149879456},{"text":"And do you have a power of attorney set up as part of that?","start":2470.7449,"end":2473.645,"sentiment":"neutral","sentiment_score":0.06409329335604395},{"text":"Yep.","start":2477.7048,"end":2477.945,"sentiment":"neutral","sentiment_score":0.06316467374563217},{"text":"Yep.","start":2477.945,"end":2478.445,"sentiment":"neutral","sentiment_score":0.11334487050771712}],"sentiment":"neutral","sentiment_score":0.08025313913822174,"num_words":18,"start":2470.025,"end":2478.445},{"sentences":[{"text":"Fantastic.","start":2478.665,"end":2478.825,"sentiment":"positive","sentiment_score":0.39169883728027344},{"text":"Excellent.","start":2478.825,"end":2479.325,"sentiment":"neutral","sentiment_score":0.30620571970939636},{"text":"Yeah.","start":2479.4648,"end":2479.6924,"sentiment":"neutral","sentiment_score":0.15616832673549652},{"text":"That's Yeah.","start":2479.6924,"end":2482.4,"sentiment":"neutral","sentiment_score":0.08001551032066345},{"text":"That's that's okay.","start":2482.4,"end":2483.8599,"sentiment":"neutral","sentiment_score":0.10656419893105824}],"sentiment":"neutral","sentiment_score":0.1667245626449585,"num_words":8,"start":2478.665,"end":2483.8599},{"sentences":[{"text":"And with the beneficiary there on your super annual life cover, I've got your super beneficiary.","start":2484.4,"end":2489.94,"sentiment":"neutral","sentiment_score":0.09767127968370914},{"text":"It's a binding nomination, so it means that you've found the trustee to follow your direction.","start":2490.0798,"end":2495.455,"sentiment":"neutral","sentiment_score":0.11890384880825877},{"text":"You've told them what you want to happen, and you don't have to fill the format every couple of years, which is a benefit.","start":2495.455,"end":2500.595,"sentiment":"neutral","sentiment_score":0.08476254825169842},{"text":"You've got down here Kylie, so your wife for a 100%.","start":2501.0552,"end":2504.91,"sentiment":"neutral","sentiment_score":0.06808540292761543},{"text":"Does that reflect your wishes?","start":2504.91,"end":2506.19,"sentiment":"neutral","sentiment_score":0.08939393907785416}],"sentiment":"neutral","sentiment_score":0.09299183807646234,"num_words":72,"start":2484.4,"end":2506.19},{"sentences":[{"text":"You're still comfortable with that nomination?","start":2506.19,"end":2507.97,"sentiment":"neutral","sentiment_score":0.05721261724829674},{"text":"Yep.","start":2509.79,"end":2510.27,"sentiment":"neutral","sentiment_score":0.15336565673351288},{"text":"Fantastic.","start":2510.27,"end":2510.77,"sentiment":"positive","sentiment_score":0.3701707124710083},{"text":"And I'm just quickly logging in to see what is on the the insurance for you as well just to make sure that's reflective of your wishes.","start":2510.99,"end":2519.5698,"sentiment":"neutral","sentiment_score":0.1993754804134369},{"text":"Sorry.","start":2521.685,"end":2522.085,"sentiment":"neutral","sentiment_score":0.005230436101555824}],"sentiment":"neutral","sentiment_score":0.17375501333218482,"num_words":36,"start":2506.19,"end":2522.085},{"sentences":[{"text":"Wait a second.","start":2522.085,"end":2522.985,"sentiment":"neutral","sentiment_score":0.011522887895504633},{"text":"Here we go.","start":2523.205,"end":2524.185,"sentiment":"neutral","sentiment_score":0.02908657118678093},{"text":"So I've got here beneficiary policy.","start":2525.845,"end":2530.5051,"sentiment":"neutral","sentiment_score":0.053460478161772094},{"text":"Oh, it's the same as your super.","start":2531.445,"end":2533.065,"sentiment":"neutral","sentiment_score":0.1496094082083021},{"text":"Fantastic.","start":2533.46,"end":2533.8599,"sentiment":"positive","sentiment_score":0.3643052875995636}],"sentiment":"neutral","sentiment_score":0.09270811956375838,"num_words":20,"start":2522.085,"end":2533.8599},{"sentences":[{"text":"So in the event of something happening, a 100% of your life cover and your super benefit paid is Kylie.","start":2533.8599,"end":2539.72,"sentiment":"neutral","sentiment_score":0.2088766798377037},{"text":"Perfect.","start":2539.94,"end":2540.42,"sentiment":"neutral","sentiment_score":0.30398768186569214},{"text":"That sounds good.","start":2540.42,"end":2541.72,"sentiment":"positive","sentiment_score":0.36370209356149036},{"text":"Just make just making sure that that is all correct for you.","start":2543.0598,"end":2547.0,"sentiment":"neutral","sentiment_score":0.025753710108498733},{"text":"Fantastic.","start":2548.765,"end":2549.265,"sentiment":"positive","sentiment_score":0.6825411319732666}],"sentiment":"neutral","sentiment_score":0.17741116790755376,"num_words":37,"start":2533.8599,"end":2549.265},{"sentences":[{"text":"Now you Absolutely.","start":2549.725,"end":2554.625,"sentiment":"neutral","sentiment_score":0.2830408066511154},{"text":"Now with your super, just sort of having a look at things.","start":2555.725,"end":2558.785,"sentiment":"neutral","sentiment_score":0.10063608239094417},{"text":"You may mention last time that you were sorta hoping to access super or retire around about age 65.","start":2558.925,"end":2564.92,"sentiment":"neutral","sentiment_score":0.05659313225432446},{"text":"Does that still feel reflective of your goals, or are you wanting to sorta hopefully retire earlier than that?","start":2564.92,"end":2570.28,"sentiment":"neutral","sentiment_score":0.05156751271141203},{"text":"What's your thoughts on your retirement 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good.","start":2994.97,"end":2995.71,"sentiment":"positive","sentiment_score":0.5379819571971893},{"text":"Well, the last thing I wanna do, because I wanna let you go so you can enjoy your evening, is just to quickly check your risk profile.","start":2996.065,"end":3001.5051,"sentiment":"neutral","sentiment_score":0.07918486909733878},{"text":"So at the moment within your super fund, you are in a high growth portfolio that generally suits someone who has at least eight years before they're wanting to access their funds.","start":3001.5051,"end":3010.4001,"sentiment":"neutral","sentiment_score":0.01046506800048519},{"text":"They're trying to get a bit more growth.","start":3010.4001,"end":3012.1802,"sentiment":"neutral","sentiment_score":-0.0026036525960080326}],"sentiment":"neutral","sentiment_score":0.06004044148804886,"num_words":70,"start":2994.17,"end":3012.1802},{"sentences":[{"text":"However, it does mean you are taking on a bit more risk in the market.","start":3012.56,"end":3015.84,"sentiment":"neutral","sentiment_score":-0.09371814380089442},{"text":"So we know taking on more risk means that when the downtimes happen, when we see volatility like this year, we are so we are gonna expect and understand that the markets will see a bit more of a a lower dip, or we might feel that more.","start":3015.84,"end":3029.225,"sentiment":"neutral","sentiment_score":-0.07325665062914292},{"text":"Just to sort of quickly check a couple of questions with you, with regard to your suit, but if you say saw the portfolio fall by 20% over the next one, two, or even three years, how do you think that might be feeling?","start":3030.245,"end":3043.02,"sentiment":"neutral","sentiment_score":-0.023481930648400026},{"text":"Or how do you think you might be feeling?","start":3043.02,"end":3044.88,"sentiment":"neutral","sentiment_score":-0.027707931068208482},{"text":"Do you think you'd see it as an investment opportunity?","start":3045.18,"end":3047.52,"sentiment":"neutral","sentiment_score":-0.03676557783037424}],"sentiment":"neutral","sentiment_score":-0.05216129756872616,"num_words":126,"start":3012.56,"end":3047.52},{"sentences":[{"text":"You put some more money into it.","start":3047.5798,"end":3049.3398,"sentiment":"neutral","sentiment_score":-0.06318596910153117},{"text":"Are you a bit concerned?","start":3049.3398,"end":3050.48,"sentiment":"neutral","sentiment_score":-0.0760976642370224},{"text":"Maybe call us and see what we suggest you do, or are you feeling really uncomfortable and wanting to sell your investments to cash to try and preserve what you can?","start":3050.5398,"end":3059.7148,"sentiment":"neutral","sentiment_score":-0.2095310993252262},{"text":"How do you think you might react in that instance?","start":3060.015,"end":3062.4348,"sentiment":"neutral","sentiment_score":-0.0801362119615078},{"text":"Yeah.","start":3065.615,"end":3066.095,"sentiment":"neutral","sentiment_score":-0.007162991911172867}],"sentiment":"neutral","sentiment_score":-0.15049591287970543,"num_words":54,"start":3047.5798,"end":3066.095},{"sentences":[{"text":"Yeah.","start":3066.095,"end":3066.575,"sentiment":"neutral","sentiment_score":-0.008009204640984535},{"text":"If you sort of fall drastically with what was happening in the market generally.","start":3066.575,"end":3070.6,"sentiment":"neutral","sentiment_score":-0.2528725937008858},{"text":"Mhmm.","start":3076.74,"end":3077.24,"sentiment":"neutral","sentiment_score":-0.03267727047204971},{"text":"Yeah.","start":3077.7,"end":3078.2,"sentiment":"neutral","sentiment_score":-0.020613275468349457},{"text":"Say one, two, or three years at the most.","start":3081.7,"end":3084.2249,"sentiment":"neutral","sentiment_score":-0.029995495039555762}],"sentiment":"neutral","sentiment_score":-0.14890290452883795,"num_words":26,"start":3066.095,"end":3084.2249},{"sentences":[{"text":"Yep.","start":3090.845,"end":3091.345,"sentiment":"neutral","sentiment_score":0.06294432282447815},{"text":"Do you think you'd maybe hold and wait, call us, and see what we suggest you do, and maybe you have that conversation with us?","start":3091.645,"end":3097.2102,"sentiment":"neutral","sentiment_score":0.02644289642572403},{"text":"Or Yep.","start":3097.2102,"end":3099.2302,"sentiment":"neutral","sentiment_score":0.0725118350237608},{"text":"Yep.","start":3101.53,"end":3102.03,"sentiment":"neutral","sentiment_score":0.16255365312099457},{"text":"Correct.","start":3105.29,"end":3105.79,"sentiment":"neutral","sentiment_score":-0.004493579268455505}],"sentiment":"neutral","sentiment_score":0.03423668257892132,"num_words":30,"start":3090.845,"end":3105.79},{"sentences":[{"text":"Marcus Absolutely.","start":3106.09,"end":3110.4302,"sentiment":"neutral","sentiment_score":-0.13010942935943604},{"text":"No.","start":3111.405,"end":3111.645,"sentiment":"neutral","sentiment_score":-0.14118775725364685},{"text":"All good.","start":3111.645,"end":3112.385,"sentiment":"neutral","sentiment_score":-0.04867548495531082},{"text":"When do you consider yourself when do you consider yourself as a risk taker, out of, say, a number between one and five, five being the highest level of risk, all say in equities or one in the lowest level of risk, maybe all sitting in cash.","start":3112.605,"end":3127.3499,"sentiment":"neutral","sentiment_score":-0.09821869440852328},{"text":"Where do you think you might see yourself?","start":3127.49,"end":3129.43,"sentiment":"neutral","sentiment_score":-0.0314893308095634}],"sentiment":"neutral","sentiment_score":-0.08944918115933737,"num_words":60,"start":3106.09,"end":3129.43},{"sentences":[{"text":"Yeah.","start":3132.29,"end":3132.79,"sentiment":"neutral","sentiment_score":-0.008208569139242172},{"text":"In your super.","start":3132.8499,"end":3133.8298,"sentiment":"neutral","sentiment_score":0.01069615532954534},{"text":"Yeah.","start":3134.05,"end":3134.55,"sentiment":"neutral","sentiment_score":-0.00998012349009514},{"text":"Yep.","start":3149.665,"end":3149.985,"sentiment":"neutral","sentiment_score":0.057645827531814575},{"text":"Do you see yourself sort of moderate, maybe a three halfway between the five and the one, or just maybe mhmm.","start":3149.985,"end":3158.42,"sentiment":"neutral","sentiment_score":0.03029583447745868}],"sentiment":"neutral","sentiment_score":0.026213263885842428,"num_words":27,"start":3132.29,"end":3158.42},{"sentences":[{"text":"Yep.","start":3162.64,"end":3162.855,"sentiment":"neutral","sentiment_score":0.09807392954826356},{"text":"Yep.","start":3170.775,"end":3171.275,"sentiment":"neutral","sentiment_score":0.04589637368917465},{"text":"That's absolutely fine.","start":3172.215,"end":3173.655,"sentiment":"neutral","sentiment_score":0.2694785048564275},{"text":"That's yeah.","start":3173.655,"end":3176.635,"sentiment":"neutral","sentiment_score":0.06941619701683521},{"text":"No.","start":3177.5498,"end":3177.8699,"sentiment":"neutral","sentiment_score":0.007323121652007103}],"sentiment":"neutral","sentiment_score":0.13732016668654978,"num_words":8,"start":3162.64,"end":3177.8699},{"sentences":[{"text":"Absolutely.","start":3177.8699,"end":3178.3699,"sentiment":"neutral","sentiment_score":0.07336930930614471},{"text":"And have you ever owned shares in the past in your own name?","start":3178.8298,"end":3182.2698,"sentiment":"neutral","sentiment_score":0.009290429082914041},{"text":"Or nope.","start":3182.2698,"end":3184.5898,"sentiment":"neutral","sentiment_score":-0.019049997441470623},{"text":"That's okay.","start":3184.5898,"end":3185.49,"sentiment":"neutral","sentiment_score":0.024421186186373234},{"text":"No.","start":3185.95,"end":3186.2698,"sentiment":"neutral","sentiment_score":-0.026341617107391357}],"sentiment":"neutral","sentiment_score":0.00939713935612848,"num_words":19,"start":3177.8699,"end":3186.2698},{"sentences":[{"text":"Perfect.","start":3186.2698,"end":3186.7698,"sentiment":"neutral","sentiment_score":0.07748939841985703},{"text":"No.","start":3196.475,"end":3196.715,"sentiment":"neutral","sentiment_score":-0.007709350436925888},{"text":"That's okay.","start":3196.715,"end":3197.435,"sentiment":"neutral","sentiment_score":0.11506529152393341},{"text":"Not a problem at all.","start":3197.435,"end":3198.715,"sentiment":"positive","sentiment_score":0.37618057131767274},{"text":"All good.","start":3198.715,"end":3199.275,"sentiment":"positive","sentiment_score":0.5588961243629456}],"sentiment":"neutral","sentiment_score":0.29987324875864113,"num_words":11,"start":3186.2698,"end":3199.275},{"sentences":[{"text":"So having a look at that, that you have scored as more of a growth investor.","start":3199.275,"end":3202.735,"sentiment":"neutral","sentiment_score":0.2239939458668232},{"text":"It is generally one drop down from where you are at the moment.","start":3203.4,"end":3207.0999,"sentiment":"neutral","sentiment_score":0.07030828325794293},{"text":"However, if you're comfortable taking on a bit more risk, you absolutely can stay in that high growth environment.","start":3207.16,"end":3212.7,"sentiment":"positive","sentiment_score":0.3656616673657769},{"text":"As I kinda went before, with a high growth portfolio, we see 90% in those growth investments.","start":3212.76,"end":3218.4648,"sentiment":"neutral","sentiment_score":0.22490252466762767},{"text":"So think about things like Australian shares, international shares, listed property, and some gold and silver or commodities.","start":3218.4648,"end":3224.9648,"sentiment":"neutral","sentiment_score":0.12845942005515099}],"sentiment":"neutral","sentiment_score":0.2118204214037901,"num_words":83,"start":3199.275,"end":3224.9648},{"sentences":[{"text":"The other 10% in low risk defensive investments, things like cash, bonds, and fixed interest.","start":3226.065,"end":3231.22,"sentiment":"neutral","sentiment_score":0.0650133490562439},{"text":"The high growth portfolio with the risk profile, you're looking to try and obtain about eight to 10% on a yearly basis compounding that forward.","start":3231.44,"end":3239.14,"sentiment":"neutral","sentiment_score":0.12089242249727249},{"text":"Anything over 10%, the portfolio has overperformed.","start":3239.28,"end":3242.18,"sentiment":"neutral","sentiment_score":0.17112775572708674},{"text":"Anything under 8% isn't underperformance for the year.","start":3242.48,"end":3245.665,"sentiment":"neutral","sentiment_score":-0.08880932489410043},{"text":"The likelihood of a negative return because you are seeing more of those higher risk investments, we do expect the likelihood of a negative negative return about one every five years, and the suggested time frame for this portfolio is about eight years there.","start":3246.685,"end":3261.11,"sentiment":"neutral","sentiment_score":-0.2712402726438912}],"sentiment":"neutral","sentiment_score":-0.07524890411231253,"num_words":99,"start":3226.065,"end":3261.11},{"sentences":[{"text":"So, realistically, with your time horizon, you can still be in that high growth environment.","start":3261.11,"end":3266.33,"sentiment":"neutral","sentiment_score":0.03176668627808491},{"text":"It's more just that you've scored as a as a growth risk profile.","start":3266.4702,"end":3270.4902,"sentiment":"neutral","sentiment_score":-0.06241690367460251},{"text":"So it means we would drop you down by one to have 80% in those high in those sort of growth investments there.","start":3270.9502,"end":3278.265,"sentiment":"neutral","sentiment_score":-0.14110744096662686},{"text":"The expected return you're chasing with the growth portfolio is about seven to 9%, and it suits someone who's not gonna access their funds for about six years.","start":3279.045,"end":3287.2048,"sentiment":"neutral","sentiment_score":0.14367113714771612},{"text":"So it's more to stand to your preference.","start":3287.2048,"end":3289.29,"sentiment":"neutral","sentiment_score":0.15257354042842053}],"sentiment":"neutral","sentiment_score":0.019114822617614234,"num_words":87,"start":3261.11,"end":3289.29},{"sentences":[{"text":"Do you feel like you wanna start reducing your risk level a bit, or are you happy just to keep it a bit higher in that high growth portfolio for a bit longer and maybe review it in a year's time?","start":3289.29,"end":3298.6501,"sentiment":"neutral","sentiment_score":0.07508888159219812},{"text":"What would you be comfortable with?","start":3298.6501,"end":3302.595,"sentiment":"neutral","sentiment_score":0.007762224103013675},{"text":"Yep.","start":3303.4548,"end":3303.9548,"sentiment":"neutral","sentiment_score":0.09122496843338011},{"text":"Yep.","start":3307.615,"end":3308.115,"sentiment":"neutral","sentiment_score":0.11824312806129456},{"text":"Yeah.","start":3310.1748,"end":3310.6748,"sentiment":"neutral","sentiment_score":0.0547424778342247}],"sentiment":"neutral","sentiment_score":0.06778856128454208,"num_words":50,"start":3289.29,"end":3310.6748},{"sentences":[{"text":"Absolutely.","start":3311.615,"end":3312.115,"sentiment":"positive","sentiment_score":0.4821542799472809},{"text":"Yep.","start":3314.335,"end":3314.835,"sentiment":"neutral","sentiment_score":0.23950737714767456},{"text":"Absolutely.","start":3315.055,"end":3315.555,"sentiment":"positive","sentiment_score":0.3495001792907715},{"text":"Not a problem at all.","start":3315.99,"end":3316.79,"sentiment":"positive","sentiment_score":0.38160771131515503},{"text":"I'll make a note there.","start":3316.79,"end":3317.59,"sentiment":"neutral","sentiment_score":0.32285028100013735}],"sentiment":"positive","sentiment_score":0.3533424459970914,"num_words":13,"start":3311.615,"end":3317.59},{"sentences":[{"text":"We'll keep you high growth for the moment.","start":3317.59,"end":3319.53,"sentiment":"positive","sentiment_score":0.43630489334464073},{"text":"We'll review it down the track, and I'll just go back and review the high growth portfolio and see what we can do to sort of keep it working a bit harder for you.","start":3319.83,"end":3327.51,"sentiment":"neutral","sentiment_score":0.2503253710182274},{"text":"And I'll update the advice for you as well.","start":3327.51,"end":3329.51,"sentiment":"neutral","sentiment_score":0.2605009410116408},{"text":"How does that sound?","start":3329.51,"end":3332.255,"sentiment":"neutral","sentiment_score":0.3059902675449848},{"text":"Fantastic.","start":3332.555,"end":3333.055,"sentiment":"positive","sentiment_score":0.643928587436676}],"sentiment":"neutral","sentiment_score":0.28953392657318283,"num_words":56,"start":3317.59,"end":3333.055},{"sentences":[{"text":"Now the last thing to let you know, you did sign your ongoing service agreement a few weeks back, but you do pay an ongoing service fee for having us as your advisers by looking after your super, providing ongoing advice, and supporting you towards your retirement goals there.","start":3333.755,"end":3346.97,"sentiment":"neutral","sentiment_score":0.26340938344293713},{"text":"So it is 1.65% per annum.","start":3346.97,"end":3349.63,"sentiment":"neutral","sentiment_score":0.16115172455708185},{"text":"It is calculated on a smaller monthly basis and deducted out of your super.","start":3349.93,"end":3354.25,"sentiment":"neutral","sentiment_score":0.16198739781975746},{"text":"So we do wanna make sure that your returns are working.","start":3354.25,"end":3356.91,"sentiment":"neutral","sentiment_score":0.262559789148244},{"text":"And as much as you got a lower return this year, that was a net return, so after the fees have come out.","start":3357.29,"end":3362.285,"sentiment":"neutral","sentiment_score":0.30074469162070233}],"sentiment":"neutral","sentiment_score":0.25191339119834805,"num_words":103,"start":3333.755,"end":3362.285},{"sentences":[{"text":"So it does mean that your super has performed.","start":3362.285,"end":3364.765,"sentiment":"positive","sentiment_score":0.4621786442067888},{"text":"You've made the 1.65% for the year, but then additional growth on top of that.","start":3364.765,"end":3369.1648,"sentiment":"positive","sentiment_score":0.3509194533030192},{"text":"So whilst it is lower, it still is growth, and it still is compounding forward, which is a positive thing for you.","start":3369.1648,"end":3375.7449,"sentiment":"positive","sentiment_score":0.6071189343929291},{"text":"And then that allows us to keep updating your advice for you as well.","start":3376.07,"end":3379.77,"sentiment":"positive","sentiment_score":0.4662740187985556},{"text":"But do you have any questions around the fee or our services or anything in relation to what I've gone through at all for you?","start":3380.07,"end":3386.97,"sentiment":"neutral","sentiment_score":0.046297514736652376}],"sentiment":"positive","sentiment_score":0.3584151798311402,"num_words":85,"start":3362.285,"end":3386.97},{"sentences":[{"text":"Yeah.","start":3390.645,"end":3391.145,"sentiment":"neutral","sentiment_score":-0.09601341187953948},{"text":"Yeah.","start":3393.2852,"end":3393.7852,"sentiment":"neutral","sentiment_score":-0.02016271091997623},{"text":"Yeah.","start":3395.925,"end":3396.425,"sentiment":"neutral","sentiment_score":-0.22268885374069217},{"text":"Absolutely.","start":3397.5251,"end":3398.0251,"sentiment":"neutral","sentiment_score":0.1888645887374878},{"text":"Yeah.","start":3402.5652,"end":3403.0652,"sentiment":"neutral","sentiment_score":0.0560983270406723}],"sentiment":"neutral","sentiment_score":-0.018780412152409554,"num_words":5,"start":3390.645,"end":3403.0652},{"sentences":[{"text":"Absolutely.","start":3404.0852,"end":3404.5852,"sentiment":"neutral","sentiment_score":0.10854960978031158},{"text":"Yeah.","start":3405.9102,"end":3406.4102,"sentiment":"neutral","sentiment_score":0.10503310710191728},{"text":"I I think I've been you're right.","start":3406.87,"end":3408.47,"sentiment":"neutral","sentiment_score":0.13005598847355163},{"text":"So sorry.","start":3408.47,"end":3409.21,"sentiment":"neutral","sentiment_score":-0.03050023876130581},{"text":"Correct.","start":3416.3901,"end":3416.8901,"sentiment":"neutral","sentiment_score":0.0857430249452591}],"sentiment":"neutral","sentiment_score":0.09572643196831147,"num_words":12,"start":3404.0852,"end":3416.8901},{"sentences":[{"text":"Yeah.","start":3417.27,"end":3417.495,"sentiment":"neutral","sentiment_score":0.05460445582866669},{"text":"Yep.","start":3418.695,"end":3419.195,"sentiment":"neutral","sentiment_score":-0.02120904251933098},{"text":"No.","start":3420.695,"end":3421.175,"sentiment":"neutral","sentiment_score":-0.09679339826107024},{"text":"And that's okay.","start":3421.175,"end":3422.0552,"sentiment":"neutral","sentiment_score":0.03484749297300974},{"text":"I think one of the most important things to think about in the way we sort of see investing is when we are happy taking on a bit more risk in the market is when we see those downtimes to not look at it as a bad thing, to go to look at it as an opportunity, you know, and you're not accessing your super for the next ten years because it's locked away until you meet that condition of release.","start":3422.0552,"end":3440.7898,"sentiment":"neutral","sentiment_score":0.0656420240799586}],"sentiment":"neutral","sentiment_score":0.06158791315452806,"num_words":87,"start":3417.27,"end":3440.7898},{"sentences":[{"text":"And and when you are closer to that eight year time horizon, I wouldn't want you to be high growth.","start":3440.7898,"end":3445.2349,"sentiment":"neutral","sentiment_score":-0.11183259636163712},{"text":"So I would be very much if you were closer to that point saying let's draw it back a little bit.","start":3445.2349,"end":3449.875,"sentiment":"neutral","sentiment_score":-0.08151469840889886},{"text":"Let's not be in that high growth environment and kinda coaxing you down to reduce your risk level.","start":3449.875,"end":3455.635,"sentiment":"neutral","sentiment_score":-0.05423310399055481},{"text":"I would not wanna leave you there.","start":3455.635,"end":3457.335,"sentiment":"neutral","sentiment_score":-0.06763882509299687},{"text":"But, realistically, at the moment, because you've got that time horizon, when the investments are down, as much as it's not nice to have a negative return or a lower return, it's essentially the investments being they're at a discounted rate.","start":3457.94,"end":3471.895,"sentiment":"neutral","sentiment_score":0.023875058515042794}],"sentiment":"neutral","sentiment_score":-0.04130140974003578,"num_words":107,"start":3440.7898,"end":3471.895},{"sentences":[{"text":"So as your contributions are now going in, and they're supposed to be payday contributions, so they'll go in more regularly, you'll be able to take advantage of the downtime to buy into those discount discounted investment units as well.","start":3471.895,"end":3484.135,"sentiment":"neutral","sentiment_score":0.24982919879257678},{"text":"So if you ever are feeling concerned, nervous, call me because I'll definitely look at those sorts of things differently.","start":3484.135,"end":3490.3499,"sentiment":"neutral","sentiment_score":-0.019144734367728233},{"text":"Probably a bit too excited at the downtime.","start":3490.73,"end":3492.91,"sentiment":"neutral","sentiment_score":-0.17597274668514729},{"text":"But, you know, it is just about the way we certainly see things.","start":3493.77,"end":3497.23,"sentiment":"neutral","sentiment_score":0.16751925074137175},{"text":"And as long as you have the time horizon to be invested to wait for that downtime to come through, then you definitely can.","start":3497.5298,"end":3504.5151,"sentiment":"neutral","sentiment_score":0.22081416938453913}],"sentiment":"neutral","sentiment_score":0.1493312534831819,"num_words":105,"start":3471.895,"end":3504.5151},{"sentences":[{"text":"And you see, well, there was volatility.","start":3504.5151,"end":3506.615,"sentiment":"neutral","sentiment_score":0.12098680010863713},{"text":"The markets have shown good recovery from that point.","start":3506.835,"end":3509.895,"sentiment":"positive","sentiment_score":0.5620262722174326},{"text":"We've all seen some really good growth there.","start":3510.195,"end":3512.28,"sentiment":"positive","sentiment_score":0.6845093071460724},{"text":"And there is a little bit more within the market.","start":3512.6,"end":3515.34,"sentiment":"positive","sentiment_score":0.41993444561958315},{"text":"There is a little bit more confidence for investors that we have seen the ASX returning back some really good numbers over the past couple of weeks there.","start":3515.96,"end":3523.72,"sentiment":"positive","sentiment_score":0.6715042601738658}],"sentiment":"positive","sentiment_score":0.5545593911120968,"num_words":62,"start":3504.5151,"end":3523.72},{"sentences":[{"text":"So we do certainly hope that does continue.","start":3523.72,"end":3526.3,"sentiment":"positive","sentiment_score":0.5739846080541611},{"text":"And with the changes to, obviously, the tax legislation and things over the last couple of months that came out with the budget, they're certainly hoping that inflation will slow heavily over the next couple of months as well.","start":3526.905,"end":3538.105,"sentiment":"neutral","sentiment_score":0.04259717884736183},{"text":"So that can also have an effect on bond rates and fixed interest.","start":3538.105,"end":3541.38,"sentiment":"neutral","sentiment_score":0.036427016441638656},{"text":"So we are predicting much better, you know, returns moving forward, but who knows?","start":3541.38,"end":3548.0198,"sentiment":"neutral","sentiment_score":0.10440314281731844},{"text":"Trump could come out next week and treat something else, and we could be at war with Italy.","start":3548.0198,"end":3552.18,"sentiment":"neutral","sentiment_score":-0.09477121527824137}],"sentiment":"neutral","sentiment_score":0.07046174106147626,"num_words":92,"start":3523.72,"end":3552.18},{"sentences":[{"text":"So well, yeah, absolutely.","start":3552.18,"end":3556.995,"sentiment":"neutral","sentiment_score":0.003769162343814969},{"text":"Yep.","start":3561.375,"end":3561.875,"sentiment":"neutral","sentiment_score":0.01385461539030075},{"text":"Yep.","start":3567.135,"end":3567.5352,"sentiment":"neutral","sentiment_score":0.006421469151973724},{"text":"Right.","start":3567.5352,"end":3568.0352,"sentiment":"neutral","sentiment_score":0.01330843474715948},{"text":"That's okay.","start":3568.095,"end":3568.995,"sentiment":"neutral","sentiment_score":0.01634469022974372}],"sentiment":"neutral","sentiment_score":0.009038949902686808,"num_words":9,"start":3552.18,"end":3568.995},{"sentences":[{"text":"Absolutely.","start":3569.92,"end":3570.42,"sentiment":"neutral","sentiment_score":0.12509635090827942},{"text":"Absolutely.","start":3570.96,"end":3571.46,"sentiment":"neutral","sentiment_score":0.14983971416950226},{"text":"I actually do have some research recently that shows me what the average super balance is, and I can give you that.","start":3571.76,"end":3578.34,"sentiment":"neutral","sentiment_score":0.17552408745343034},{"text":"One of the best things about my job is I get access to lots of research data and materials.","start":3580.8,"end":3585.305,"sentiment":"neutral","sentiment_score":0.284522934179557},{"text":"So I'll just pop in and grab that for you.","start":3586.885,"end":3589.545,"sentiment":"neutral","sentiment_score":0.08987102434039115}],"sentiment":"neutral","sentiment_score":0.197002112865448,"num_words":53,"start":3569.92,"end":3589.545},{"sentences":[{"text":"Yeah.","start":3591.845,"end":3592.325,"sentiment":"neutral","sentiment_score":0.1016318053007126},{"text":"Absolutely.","start":3592.325,"end":3592.825,"sentiment":"neutral","sentiment_score":0.14199507236480713},{"text":"And part of the advice, I'll make sure I update for you just to look at where you know, what we expect over the next five to ten years.","start":3593.205,"end":3601.6199,"sentiment":"neutral","sentiment_score":0.10244520599472112},{"text":"Because you do have more than ten years ahead of you, I won't go forward and project, you know, all the way to retirement age, but we'll do the next five to ten years, and then we can keep updating it there for you to make sure it's always reflective.","start":3601.6199,"end":3615.215,"sentiment":"neutral","sentiment_score":0.0740147789940238},{"text":"But you're I'll just pop in here.","start":3616.155,"end":3619.035,"sentiment":"neutral","sentiment_score":0.02459126418190343}],"sentiment":"neutral","sentiment_score":0.08053881421007893,"num_words":88,"start":3591.845,"end":3619.035},{"sentences":[{"text":"Male.","start":3619.035,"end":3619.535,"sentiment":"neutral","sentiment_score":0.2572542428970337},{"text":"Beautiful.","start":3619.835,"end":3620.335,"sentiment":"positive","sentiment_score":0.5455600023269653},{"text":"So for your age and stage, the average super balance of someone your age is about a 193,501.","start":3620.475,"end":3628.3,"sentiment":"neutral","sentiment_score":0.06993803299135631},{"text":"So based on your current balance there of two 100 and 74,000, you are above average.","start":3628.3,"end":3633.6802,"sentiment":"neutral","sentiment_score":0.06710568722337484},{"text":"Absolutely.","start":3633.74,"end":3634.24,"sentiment":"positive","sentiment_score":0.3779236078262329}],"sentiment":"neutral","sentiment_score":0.09495441736401738,"num_words":37,"start":3619.035,"end":3634.24},{"sentences":[{"text":"And the the data doesn't look great, and that's because, like, super wasn't a real thing until the early nineties, and it's been slowly increasing.","start":3635.34,"end":3644.165,"sentiment":"neutral","sentiment_score":0.03727082349359989},{"text":"So, like, your kids and my kids and even myself, I'm a little bit younger.","start":3644.385,"end":3648.305,"sentiment":"neutral","sentiment_score":-0.009388858017822107},{"text":"I still not not much younger than you, I promise.","start":3648.305,"end":3650.965,"sentiment":"neutral","sentiment_score":-0.05684267990291118},{"text":"But we will have a little bit more super when the time it comes because we've all sort of been working, and the super contributions were at a higher rate.","start":3651.105,"end":3659.53,"sentiment":"neutral","sentiment_score":-0.007421426723400752},{"text":"But a lot of people your age and even older are finding, you know, they were going into retirement with lower than expected balances because, essentially, you know, they are they haven't had super for as long the the rate of super contributions is lower, or they have not worked a full lifetime.","start":3659.99,"end":3676.565,"sentiment":"neutral","sentiment_score":-0.16475750273972187}],"sentiment":"neutral","sentiment_score":-0.06565623705912578,"num_words":133,"start":3635.34,"end":3676.565},{"sentences":[{"text":"So there are definitely reasons there, but your super balance is above average for your agent's date.","start":3677.345,"end":3681.825,"sentiment":"neutral","sentiment_score":-0.06696711612098358},{"text":"That is a positive sign, and we wanna make sure it works as hard for you as it possibly can.","start":3681.825,"end":3687.3,"sentiment":"neutral","sentiment_score":-0.22339599225670098},{"text":"Yeah.","start":3687.4402,"end":3687.9402,"sentiment":"neutral","sentiment_score":0.0953233763575554},{"text":"Excellent.","start":3690.08,"end":3690.58,"sentiment":"positive","sentiment_score":0.4509014785289765},{"text":"And the yeah.","start":3690.8,"end":3692.1802,"sentiment":"neutral","sentiment_score":0.1661265343427658}],"sentiment":"neutral","sentiment_score":-0.1086132466970455,"num_words":42,"start":3677.345,"end":3692.1802},{"sentences":[{"text":"That's okay.","start":3692.24,"end":3692.8,"sentiment":"neutral","sentiment_score":0.16955697536468506},{"text":"The last absolutely.","start":3692.8,"end":3695.325,"sentiment":"neutral","sentiment_score":0.06192431723078092},{"text":"The last thing I just wanted to check on, I thought I hadn't touched on earlier was, with additional contributions to super, are you sort of wanting to down the track look at making more contributions to super, or are you sort of more focused on paying down your investment property debts to keep those to, you know, draw on before?","start":3695.625,"end":3714.05,"sentiment":"neutral","sentiment_score":-0.026991071912353157},{"text":"What's your thoughts there?","start":3714.27,"end":3715.57,"sentiment":"neutral","sentiment_score":-0.010090550873428583},{"text":"That's fine.","start":3719.63,"end":3720.45,"sentiment":"neutral","sentiment_score":0.00806732545606792}],"sentiment":"neutral","sentiment_score":-0.01591383384463067,"num_words":72,"start":3692.24,"end":3720.45},{"sentences":[{"text":"Yeah.","start":3721.23,"end":3721.455,"sentiment":"neutral","sentiment_score":0.020357990637421608},{"text":"Absolutely.","start":3721.855,"end":3722.355,"sentiment":"neutral","sentiment_score":0.05226768180727959},{"text":"Absolutely.","start":3725.2952,"end":3725.7952,"sentiment":"neutral","sentiment_score":0.07501579821109772},{"text":"Yeah.","start":3727.615,"end":3728.115,"sentiment":"neutral","sentiment_score":0.0631232038140297},{"text":"Yeah.","start":3728.735,"end":3729.235,"sentiment":"neutral","sentiment_score":0.06514063477516174}],"sentiment":"neutral","sentiment_score":0.05518106184899807,"num_words":5,"start":3721.23,"end":3729.235},{"sentences":[{"text":"Yeah.","start":3736.895,"end":3737.13,"sentiment":"neutral","sentiment_score":0.0269108098000288},{"text":"Yeah.","start":3741.93,"end":3742.43,"sentiment":"neutral","sentiment_score":0.039473943412303925},{"text":"Yes.","start":3742.49,"end":3742.99,"sentiment":"neutral","sentiment_score":0.08672628551721573},{"text":"Yes.","start":3743.8499,"end":3744.3499,"sentiment":"neutral","sentiment_score":0.1465761363506317},{"text":"Absolutely.","start":3744.5698,"end":3745.0698,"sentiment":"positive","sentiment_score":0.3786616325378418}],"sentiment":"neutral","sentiment_score":0.13566976152360438,"num_words":5,"start":3736.895,"end":3745.0698},{"sentences":[{"text":"And, look, you're not doing anything wrong.","start":3745.3699,"end":3746.97,"sentiment":"neutral","sentiment_score":0.3218240588903427},{"text":"It's more about what's important to you and what your goals are.","start":3746.97,"end":3749.5298,"sentiment":"positive","sentiment_score":0.36736274138092995},{"text":"So if you are wanting to try and pay those debts down so you can, you know, either sell them down the track and use the money to fund retirement earlier or, you know, keep them, pay them down so you have that rental income to support you in supplement super.","start":3749.5298,"end":3763.305,"sentiment":"neutral","sentiment_score":0.25798671400430156},{"text":"There's nothing wrong with that.","start":3763.305,"end":3764.845,"sentiment":"neutral","sentiment_score":0.21001810133457183},{"text":"It's definitely definitely gonna be a between investing outside of super and inside super because super isn't the be all and end all.","start":3765.145,"end":3772.25,"sentiment":"neutral","sentiment_score":0.25945699409298273}],"sentiment":"neutral","sentiment_score":0.2738371948350449,"num_words":98,"start":3745.3699,"end":3772.25},{"sentences":[{"text":"There are ways to build wealth in other ways.","start":3772.25,"end":3774.8298,"sentiment":"neutral","sentiment_score":0.31449222067991894},{"text":"And if you are wanting to retire prior to accessing super at 60, then we are gonna have to look at other ways such as the investment property aspect.","start":3774.89,"end":3783.955,"sentiment":"neutral","sentiment_score":0.09331700257186232},{"text":"So there's there's no wrong answer to that.","start":3783.955,"end":3786.7551,"sentiment":"neutral","sentiment_score":0.12630948703736067},{"text":"It's more about your comfort level.","start":3786.7551,"end":3788.455,"sentiment":"neutral","sentiment_score":0.2556652749578158},{"text":"We just always like to ask the question.","start":3788.7551,"end":3790.5952,"sentiment":"neutral","sentiment_score":0.29407517798244953}],"sentiment":"neutral","sentiment_score":0.1738948671768109,"num_words":60,"start":3772.25,"end":3790.5952},{"sentences":[{"text":"And down the track, if you decide you want to, you let me know.","start":3790.5952,"end":3793.9001,"sentiment":"neutral","sentiment_score":0.21009479356663568},{"text":"We can certainly help and provide advice in the area for you.","start":3793.9001,"end":3797.2,"sentiment":"neutral","sentiment_score":0.2970437991122405},{"text":"Okay.","start":3797.26,"end":3797.76,"sentiment":"neutral","sentiment_score":0.20257173478603363},{"text":"Excellent.","start":3799.9001,"end":3800.4001,"sentiment":"positive","sentiment_score":0.5967967510223389},{"text":"Oh, cool.","start":3800.86,"end":3801.34,"sentiment":"positive","sentiment_score":0.4613940715789795}],"sentiment":"neutral","sentiment_score":0.2742669776082039,"num_words":30,"start":3790.5952,"end":3801.34},{"sentences":[{"text":"Well, that is everything I needed to touch on for you.","start":3801.34,"end":3803.98,"sentiment":"positive","sentiment_score":0.3778643282977017},{"text":"Before I let you go, I'm just gonna quickly book in a time for one of my beautiful team members to go to your pre assessment with you next week.","start":3803.98,"end":3810.505,"sentiment":"neutral","sentiment_score":0.21747014820575714},{"text":"I know later in the afternoon around about sort of this time is more preferable.","start":3810.885,"end":3814.7449,"sentiment":"neutral","sentiment_score":0.10370480964581172},{"text":"Is that right?","start":3814.9648,"end":3815.865,"sentiment":"neutral","sentiment_score":0.09442941844463348},{"text":"Yep.","start":3818.325,"end":3818.825,"sentiment":"neutral","sentiment_score":0.029987787827849388}],"sentiment":"neutral","sentiment_score":0.20915767075493932,"num_words":60,"start":3801.34,"end":3818.825},{"sentences":[{"text":"Yep.","start":3819.125,"end":3819.625,"sentiment":"neutral","sentiment_score":0.0232678409665823},{"text":"That's Hi.","start":3819.765,"end":3821.22,"sentiment":"neutral","sentiment_score":0.004574318416416645},{"text":"I've got sorry.","start":3822.0,"end":3823.6,"sentiment":"neutral","sentiment_score":-0.07711017628510793},{"text":"Next week is from the seventeenth.","start":3823.6,"end":3825.86,"sentiment":"neutral","sentiment_score":-0.07212431915104389},{"text":"My admin team member works late on a Tuesday night.","start":3826.24,"end":3829.6802,"sentiment":"neutral","sentiment_score":-0.030124202370643616}],"sentiment":"neutral","sentiment_score":-0.042404635894027626,"num_words":22,"start":3819.125,"end":3829.6802},{"sentences":[{"text":"Would I be able to book it in for, say, 05:30 next Tuesday, the eighteenth?","start":3829.6802,"end":3834.1602,"sentiment":"neutral","sentiment_score":0.03504218608140945},{"text":"Would that be suitable at all, Daniel?","start":3834.1602,"end":3839.5051,"sentiment":"neutral","sentiment_score":0.03416831897837775},{"text":"That's okay.","start":3839.5051,"end":3840.325,"sentiment":"neutral","sentiment_score":0.1440230943262577},{"text":"Yep.","start":3844.145,"end":3844.645,"sentiment":"positive","sentiment_score":0.40024563670158386},{"text":"Beautiful.","start":3844.705,"end":3845.205,"sentiment":"positive","sentiment_score":0.7172553539276123}],"sentiment":"neutral","sentiment_score":0.08347531551351914,"num_words":26,"start":3829.6802,"end":3845.205},{"sentences":[{"text":"It'll only take about five to ten minutes to run through it.","start":3845.425,"end":3848.0652,"sentiment":"positive","sentiment_score":0.5110494941473007},{"text":"Samantha's my admin team member, and she's absolutely beautiful at running through these questions for you.","start":3848.0652,"end":3852.8599,"sentiment":"positive","sentiment_score":0.6458583399653435},{"text":"I'll get her to have a look at everything, and then I'll go back and review the file as a whole and look at what sort of TBD we can probably get for you as part of the advice.","start":3853.3198,"end":3861.9,"sentiment":"neutral","sentiment_score":0.17596964920178437},{"text":"Okay.","start":3862.2,"end":3862.7,"sentiment":"neutral","sentiment_score":0.035431936383247375},{"text":"Yes.","start":3869.0151,"end":3869.5151,"sentiment":"neutral","sentiment_score":0.013954130001366138}],"sentiment":"positive","sentiment_score":0.33881927180387406,"num_words":69,"start":3845.425,"end":3869.5151},{"sentences":[{"text":"Yeah.","start":3869.735,"end":3870.235,"sentiment":"neutral","sentiment_score":0.03424758464097977},{"text":"Abs yeah.","start":3870.6152,"end":3871.975,"sentiment":"neutral","sentiment_score":0.012728358618915081},{"text":"No.","start":3871.975,"end":3872.2952,"sentiment":"neutral","sentiment_score":0.10463616251945496},{"text":"Absolutely.","start":3872.2952,"end":3872.7751,"sentiment":"neutral","sentiment_score":0.16790364682674408},{"text":"You won't need to click any medicals or go into any major detail.","start":3872.7751,"end":3875.895,"sentiment":"neutral","sentiment_score":0.08546509464772847}],"sentiment":"neutral","sentiment_score":0.08018279675808218,"num_words":18,"start":3869.735,"end":3875.895},{"sentences":[{"text":"It's more just going through, you know, how your health has been, any major diagnosis that you know of, when we get diagnosed, what were your symptoms, did you have treatment, things like that.","start":3875.895,"end":3885.6401,"sentiment":"neutral","sentiment_score":0.05269900128683623},{"text":"So if there's anything you're really unsure about, that's absolutely fine.","start":3885.6401,"end":3889.24,"sentiment":"neutral","sentiment_score":0.0030842762101780286},{"text":"We'll work with it.","start":3889.24,"end":3890.3801,"sentiment":"neutral","sentiment_score":0.08678650762885809},{"text":"But, yeah, just yeah.","start":3890.84,"end":3891.9548,"sentiment":"neutral","sentiment_score":-0.010587193304672837},{"text":"It's nothing that you have to be crazy detailed.","start":3891.9548,"end":3894.935,"sentiment":"neutral","sentiment_score":-0.0569491031476193}],"sentiment":"neutral","sentiment_score":0.026095942113428347,"num_words":62,"start":3875.895,"end":3894.935},{"sentences":[{"text":"Yeah.","start":3895.2349,"end":3895.7148,"sentiment":"neutral","sentiment_score":0.01288095023483038},{"text":"No.","start":3895.7148,"end":3896.115,"sentiment":"neutral","sentiment_score":0.04487978667020798},{"text":"Excellent.","start":3896.115,"end":3896.615,"sentiment":"positive","sentiment_score":0.33986103534698486},{"text":"Thank you so much for your time.","start":3897.075,"end":3898.675,"sentiment":"positive","sentiment_score":0.5220282460962024},{"text":"I'll let you go to enjoy your night.","start":3898.675,"end":3900.435,"sentiment":"positive","sentiment_score":0.5321092829108238}],"sentiment":"positive","sentiment_score":0.4615940976784461,"num_words":18,"start":3895.2349,"end":3900.435},{"sentences":[{"text":"I hope you have a good night.","start":3900.435,"end":3901.875,"sentiment":"positive","sentiment_score":0.4745557648794992},{"text":"I hope tomorrow is much better for you, and I will get cracking on this research for you.","start":3901.875,"end":3907.31,"sentiment":"neutral","sentiment_score":0.3169841410385238},{"text":"Okay?","start":3907.31,"end":3907.81,"sentiment":"neutral","sentiment_score":0.1866743266582489},{"text":"No.","start":3910.19,"end":3910.43,"sentiment":"neutral","sentiment_score":0.17229731380939484},{"text":"Thank you for taking my call.","start":3910.43,"end":3911.87,"sentiment":"positive","sentiment_score":0.46138501167297363}],"sentiment":"positive","sentiment_score":0.368329897071376,"num_words":33,"start":3900.435,"end":3911.87},{"sentences":[{"text":"You have a lovely evening.","start":3911.87,"end":3913.33,"sentiment":"positive","sentiment_score":0.5375686407089233},{"text":"Thanks, Daniel.","start":3915.71,"end":3916.61,"sentiment":"neutral","sentiment_score":0.1556466855108738},{"text":"I will.","start":3916.9102,"end":3917.55,"sentiment":"neutral","sentiment_score":0.10969975218176842},{"text":"Thanks so much.","start":3917.55,"end":3918.35,"sentiment":"positive","sentiment_score":0.5053689877192179},{"text":"See you later.","start":3918.35,"end":3919.09,"sentiment":"neutral","sentiment_score":0.2667655646800995}],"sentiment":"positive","sentiment_score":0.36899598240852355,"num_words":15,"start":3911.87,"end":3919.09},{"sentences":[{"text":"Bye.","start":3920.51,"end":3921.01,"sentiment":"neutral","sentiment_score":0.02160795032978058}],"sentiment":"neutral","sentiment_score":0.02160795032978058,"num_words":1,"start":3920.51,"end":3921.01}]}}]},{"alternatives":[{"transcript":"Hello? I'm on well, no. Don't ask me that today. Thanks. It hasn't been a good one. So, yeah, we'll leave it at that. Yeah. That's okay. It's like nature of the beast sometimes. So yeah. We'll see about that, but that's okay. Yeah. Well, look, it's not considering, but I'm gonna make an effort big effort because I've already knocked it off a couple of times already. So because of things going on. So, yeah, sometimes we we got I've made yeah. Yeah. Look. Let let let us do it because like I said, I've I've already, yeah, I think twice now. I think there was something on twice, I think. And, yeah, I don't wanna do it again. So yeah. Yep. That's okay. Yep. Right. Yeah. Yeah. Okay. No worries. Yeah. That's fine. Yep. Yeah. So Daniel Davies, twenty fourth of the fourth seventy seven, and my address is 3 Anvil Road, Jindra. Yep. Yep. Well, that's a little nice little bump, I suppose, for now. Yeah. Yeah. Yeah. Oh, that helps. Yeah. Thanks, Pat. Yep. Okay. It's on the phone. Come on. Get in. Thanks. Thanks, guys. Thanks. Sorry. I was just grabbing my mail while you're talking to me, sir. Yeah. So it's a half an appointment. So I'll I'll I'll talk I'll talk to you another day. Thank you for letting me in. I just I just the guys just let me in and from the pick up the mail. So sorry about that. Like I say, I've just got very much going on. And but I'll be I'll be right now. I'm with you a 100% now. So yeah. Yes. I just didn't wanna be rude to my male people. Yeah. Oh, okay. Yep. Right. Yeah. Yep. Yep. Right. Sure. I guess. Yeah. Yeah. I suppose if you're gonna make it better. Yeah. For sure. Yep. Okay. Yep. Yep. I'm really not sure on which way. I guess that's where look. Yeah. Look. Okay. Yeah. Because, obviously, I'm not that's why you guy I got you guys, I guess. So yeah. Sure, I guess. Yeah. Yep. Probably should have questions maybe, but, yeah, it's it's it's a whole complex system, I understand. And yeah. Yeah. Sure. Yeah. Yeah. Yeah. Yep. That sounds good. Hey. Thank you. Yep. Mhmm. Yep. Mhmm. Mhmm. Okay. No. I don't, actually. Yeah. Not no. Nothing's springing to mind at the moment. Pretty much. Yeah. I'm act I'm doing an act yeah. It's it's my role at the moment. I'm doing an acting supervisor role at the moment. But yeah. But yes. That's that is pretty much yeah. I'm a bridge and drainage ganger, for for a council. Well, if I'm talking right now, as being a supervisor, I'm spending a favor of the time in the office and and on the phone. But as a bridge and drainage, I would be on-site, you know, repairing drains and and all that with equipment. So No. No. Mhmm. Yeah. That's right. Yeah. Don't ever want that to happen. But yeah. Well, look. The the only thing I can think of is do I had to do a medical or something, I think. Was that correct? Yes. So yep. Yes. Yep. So I think I'm just on a I probably don't even have to. I could probably update that. Maybe. We'll see. But I'm on a low dose of for high blood pressure, which, you know, I I do I do plasma every fortnight, and my blood pressure's pretty good. So but I am on a low dose of a blood pressure tablet, and I do take an antidepressant like a yeah. So that's probably maybe because that's come to mind now, I guess. Now I think about Yeah. Okay. Yep. Right. Suppose if it helps you out. Yeah. Sure. Yep. Mhmm. Yep. Is this something that I need to have? Sorry. Is this something I I need to have, this insurance? Or Mhmm. Well, she'd love that. She just pulled up beside me. Actually, I'm sitting in the car still in the garage. She's pulled up beside me. Don't don't yeah. Don't don't say it too loud. Yes. Yeah. Well, look, to be honest, yeah, I probably would, I guess. So yeah. Yep. Yes. Absolutely. Yeah. That's that's that's that's kind of what I was saying because we do have two investment properties now. Maybe I don't know if it's a good idea or not, but, yeah, they're only early in the scene. So yep. On which one on that investment? Oh, no. No. We we own our we own our place. Yeah. Yep. No bid on that. I'm actually having a quick look now, to be honest, because I wouldn't have a clue. It's four yeah. It's about 400And35. Yep. Yep. It's it's in Werribee. Yep. Yes. Yep. I probably I don't know. It was I don't know what I told you this last time, but it must might have been a guess maybe. I don't know. But yeah. So it's Clyde North. It's in melt down Melbourne Way. Clyde North. Yep. Yeah. A bit more than the other one. It's 693, I will say. Absolutely. That's true. That's well, I was calling to think about when you said that. I mean, I was thinking, well, I nearly I'll owe that bit or a bit more anyway. So yeah. Yeah. Absolutely. Yeah. Yeah. Oh, absolutely. Yeah. Yep. Look. Don't think I don't believe I'm worth that much money, but I no. I think that's fine. Look. Yeah. Yeah. Worst comes the worst. If something ever happens to me, Carla could sell the properties in it. Yeah. She could yeah. Or one of them at least. Yeah. That that yeah. And she'd be still fine. So yeah. Yep. Absolutely. Yeah. Yeah. Yes. Yeah. Well, that should be should be self sufficient anyway. So Okay. Mhmm. Yeah. I'm I'm nearly 50, and I I feel that I'm I'm a bit more immediate. So Yeah. It'd be nice. Mhmm. Yep. Yep. Oh, I don't know. I don't even know if do I really should I really need it? Like, it's, yeah, it's a I know it's a yeah. Look. You can look into it, I suppose. Yeah. Yep. Mhmm. Mhmm. Yeah. So, obviously, that was a recommendation, and I would have agreed to it, I suppose, originally too. So yeah. Yep. Yep. That is pretty good, I think. Yes. Yep. Yep. No. No. Usually, I always think of something lighter. So yeah. If if there is anything. So yep. Yep. Okay. Cool. Geez. I don't know. I don't think so. Maybe they haven't. I haven't really thought about it since that. But yeah. Hello? Mhmm. Yep. Yeah. Uh-huh. Yep. Yep. I'm I'm at a place where I've been for twenty seven years, and I have a lot of long service. I have a lot of sick leave. So and I'm just about to do another anniversary this month, actually, so I'll end up with another four weeks annual leave. So, look, realistically, I think if something's happened to me outside work, I've, you know, I'm I've got probably over twelve months easily of leave if I had to take it all. So yeah. Mhmm. Yeah. Yeah. Absolutely. And, I mean, if it got too hard to just sell a property, let's just get rid of one. But, Yeah. It's yeah. It's it's always an option, I suppose. Not that it's not that I think that way. I try to don't even think about it, and be honest, because, you know, they are they are costing money, obviously, at the moment because rate rises and all that sort of things. So just try not to think about it pretty much. No. It hasn't really changed much how I feel. Like, my wife does all that. And earlier this year, our 20 year old kids So one of them bought his own place, and the daughter moved in with him. So we don't have as many mouths to feed at home anymore either. So so I feel the expenses have dropped a bit. Yeah. They should have. And my wife likes to put money away. So, yeah, we have a reasonably healthy savings account, I guess, you might as well say, which all which is always a good backup, which funds our bloody you know, our funds our what we our shortfall for the units. So yeah. It's hard to say. Yeah. I just I just keep it the same because, yeah, like I say, the the kids are gone, and then we've we've had the unit probably the other next the other units in, maybe, nearly twelve months. So, yeah, you might as well might as well say the same, I reckon. So Yeah. I'm pretty comfortable, I think. Yeah. Yep. To leave it? Yep. Yep. No worries. It's hard to say because I do overtime and that, but I haven't done a lot of overtime this year. But I'd I'd say the 90 go to 90 with it. I reckon from memory, I earned that bit over 90 this year, I think, or last last financial. Yeah. So Well, there's a handset from us going for 1.2 at the moment. So it'll be yeah. I I I'd probably just put it at the mill mark now, way things are going. Yeah. Just be conservative. Yeah. Oh, actually, I I wouldn't be able to tell you. I've I've just laid it at the 5. It'd probably be more, but we'll just leave it at the 5 100, I think. Yeah. Well, I'd like to think it's what we owe on it, but, yeah, it's sort of hard to say. It's a three bedroom unit, two story unit. So, yeah, look, what oh, well, we haven't had done this one yet, have we? So, yeah, if well, only a guess. I'd been brand new and everything else. Leave it at the 700, I think, I suppose. Yeah. Yeah. Actually, we do. Yes. Look. It's still a neat car, but probably but realistically, maybe 12, I suppose. Yep. The savings was around 27,000. I've got a twin cab u a '13 model Mazda. Mazda bloody b c 50. Yeah. I'd probably put 10 on 10 on it. Yep. Yeah. Yep. Yeah. It turned out right. I bought bought it with cash. I got it a while back. Yeah, I think we went up a little bit 80, I think. Yeah. I think that's all good. Wasn't that wasn't that long ago we done our insurance. So yeah. I think we I do have one more car as well, a little a toy. Yep. Like like like like me it's a bit like it's the same not the exact same car. It's the same car. It's my first car when I got my license. So it's a XC Falcon. Yep. And you could probably put $30 easily on it. So That's correct. Yep. Yes. I think it's fine at the moment. Yeah. Yep. Yeah. It's one of our kids. Yeah. Yep. Well, our elders. Yeah. Okay. Yes. Yep. Mhmm. Well, she loved that. Well, I'm not telling her that. Yep. Yep. I'll tell her to leave me a bit longer because it'll get better. It'll get more. Yeah. Look, it'd be lovely to retire earlier. That's why we've gone in with the investments. So, yeah, so I guess that was part thereof trying to look into the future. So, you know, with super and stuff. So, yeah, so it'd be nice to knock off the you know? Because we like to travel. So, yeah, I like to tinker in the shed. It'd be good not to have to come and have a day like I had today. So yeah. Alright. Oh, look. It's hard to say. Like, it's the future. Depends on what I'm doing, I guess, work wise. Yeah. Do you do you go part time? Yeah. There's always options to go on part time and things like that. Like, I'm pretty handy on machinery. So, you know, I could always get a job on machines or, I guess, something like that. So look. Hey. Look. If his house is going well and his super stay is good and I can retire at 60, I'll be probably looking at that. But, yeah, that's yeah. I didn't didn't think that would be very possible, but if it is, well yeah. But still, I'd probably do something for work anyway, part time anyways. So, yeah, I'd still want that structure, I reckon, for a little bit longer while I could still work. So yeah. Yeah. Mhmm. Yep. I'm hoping so. Yeah. Yep. Where do we sell them off or keep them yeah. Keep them yeah. Once you own them, obviously, yeah, you got your rent full rent, basically. Well well, minus a few things, but yeah. So just just all depends on the time and what's going on, I guess. Mhmm. And if you're making it better? Yeah. Sure. No. Absolutely not. Yep. Absolutely. Probably no. My wife will be more traveling, I suppose. Yeah. That's that's probably our main thing. It's it's actually kinda weird at the moment with the kids leaving earlier this year. It's sort of it's a different different when you got a size house that we got at the moment, and that's just the two of us. It's a little bit different. So, yeah, look, traveling could could more be a thing there once we, you know, get used to what we are at the moment. So Mhmm. Here we are. Yeah. I know. It feels weird because, you know, we're yeah. We're we're still close with the kids. That's like we're always being close. And, yeah, I I skipped my gym day with my son today because I'm just getting home late, and this was happening. And yeah. So but, yeah, we still they're they're in the they're in the same town, basically, as us. So, yeah, we get to see them all the time. So yeah. Yeah. Hi. Oh, yes. I I I we should've yeah. Well, we had we didn't think that we didn't didn't think that way because we've gone with a company that really is AusTrull. I don't know if you've heard of them, but, yeah, we went through those went through those guys and, obviously, their their strategies are to be in Melbourne and things like that. But I guess if we had that time again, we probably could have just done something in the yeah. Obviously, in Ginger or Aubrey where we are instead. But, anyway, that's that's past that point now. So But yeah. Yeah. That's right. Well, we could the kids could have moved. Well, I didn't want them to move out, to be honest. So but yeah. But I got our kids are 24 and 22 or nearly 23. So oh, 25. Sorry. 25 and nearly 23. So yeah. Well well, we've got to keep them for that long, so that was good, I suppose. Yep. Paid. Entry. Yeah. Yeah. That's right. Yep. Oh, no. It's good. It's good to see him start growing up. So yeah. Well, that's right. Yes. That's correct. Yeah. He's obviously, he's able to save a favor the money while he was at home. So yeah. And do that. So yeah. It's wonderful. Thank you. Yep. Yep. Yes. So that's the super you're talking about. Yeah. Right. Yeah. I suppose where there's always a fall, there will be a rise again at some stage. So I suppose yeah. In what time frame were you talking? Oh, one, two, or three. Look. Yeah. Look. It's time to recover, I guess, if something like that happens, I guess. So yeah. Pretty much. Pretty much. Yeah. I reckon so. Yeah. You guys are the experts. So and I mean, yeah, it's another full thoughtful proof, obviously. Yeah. Things are always foreseeable, but unfulfavorable, so I get that. Yeah. As a risk taker in Bali. I don't spend money. So and my wife tries to save it. So yeah. Look. I think we're on the less yeah. Risk less risky of of it, I suppose. Okay. Probably. I guess so. Yeah. Yeah. Look, I mean, we got investment properties we're paying for, I suppose, and we like to go on holidays, which we try and do once or once every year or every two years. So yeah. But I mean, I just I was overseas holidays, that is, I suppose. Yeah. No. Never had shares. No. Not that I'm aware of. Not I think I think the kids had shared in Safeway when oh, into the window. But yeah. No. I don't have any shares. Mhmm. Yep. Mhmm. Yep. Yeah. Probably where it is. I I I hope that Trump gets rid of the war a bit, and, you know, settled down a bit, and things return back to normal a bit. It'd be nice. So but, yeah, look. Kathy to keep it where it is. Mhmm. Sounds great. Yep. Yep. Yep. Yeah. Yep. No. Not not particularly. I understand some years would be down and and and that too. And obviously, with what's going on with the world too, that doesn't it's not gonna help, obviously. So I guess, yeah, it'd be nice to see a bigger growth, but, no, look, it is what it is, I suppose. So, yeah, I think oh, no. I I think I guess I I guess and everyone else is in the same boat too. So, yeah, can't really do too much about it, to be honest. Yep. Yeah. Yeah. Yep. Yep. Yep. Yeah. Sure. That that that that's right. So I actually do have one question. Is so the amount that I the amount that I have in at the moment for for my age, is that okay, or is it sort of down a bit? Or, you know, how's how's that look in your opinion? But, yeah, I think this thing to see how I am tracking with it, I suppose. Yeah. Mhmm. Yep. Oh, I'm above average. Yep. Yep. Yes. Yep. Yep. Yep. That's good. Yeah. Yeah. Nice. Oh, that's good. That's that's brighten up your afternoon a bit for me. Yeah. Yeah. Probably probably more the investments, I suppose. It'd be nice to knock them down. But it's it's one of those things. It's a six seven, isn't it? That's, yeah, do you put more in the super or yeah. Is it you put it in the super or yeah. And and hopefully, it's got good growth, or do you put it into the properties and hopefully, there's good growth in that. So I don't know. I kinda see that the I've got a bid in nature, you know, a bid in nature, I suppose. So yeah. Yeah. Yes. Yeah. Cool. Cool. No worries. Yep. Yes. It usually is. Yes. Yeah. Yep. Let me see. I'll just try. Gymnaut. Gymnaut. Yes. I think they were working good. Yes. Yep. Those questions will I need what would I would I would these questions be things that I will know straight up or is it something that I won't have to yep. Yep. Yep. Yeah. Okay. Mhmm. That's alright. That should should be easy then. Yeah. Yeah. Thank you. Easy done. Alright. Much very much appreciated. Thank you very much. No worries. You too. You too when you get there. K. See you. 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I'm on well, no. Don't ask me that today. Thanks. It hasn't been a good one.\n\nSo, yeah, we'll leave it at that. Yeah. That's okay. It's like nature of the beast sometimes. So yeah.\n\nWe'll see about that, but that's okay. Yeah. Well, look, it's not considering, but I'm gonna make an effort big effort because I've already knocked it off a couple of times already. So because of things going on. So, yeah, sometimes we we got I've made yeah.\n\nYeah. Look. Let let let us do it because like I said, I've I've already, yeah, I think twice now. I think there was something on twice, I think. And, yeah, I don't wanna do it again.\n\nSo yeah. Yep. That's okay. Yep. Right.\n\nYeah. Yeah. Okay. No worries. Yeah.\n\nThat's fine. Yep. Yeah. So Daniel Davies, twenty fourth of the fourth seventy seven, and my address is 3 Anvil Road, Jindra. Yep.\n\nYep. Well, that's a little nice little bump, I suppose, for now. Yeah. Yeah. Yeah.\n\nOh, that helps. Yeah. Thanks, Pat. Yep. Okay.\n\nIt's on the phone. Come on. Get in. Thanks. Thanks, guys.\n\nThanks. Sorry. I was just grabbing my mail while you're talking to me, sir. Yeah. So it's a half an appointment.\n\nSo I'll I'll I'll talk I'll talk to you another day. Thank you for letting me in. I just I just the guys just let me in and from the pick up the mail. So sorry about that. Like I say, I've just got very much going on.\n\nAnd but I'll be I'll be right now. I'm with you a 100% now. So yeah. Yes. I just didn't wanna be rude to my male people.\n\nYeah. Oh, okay. Yep. Right. Yeah.\n\nYep. Yep. Right. Sure. I guess.\n\nYeah. Yeah. I suppose if you're gonna make it better. Yeah. For sure.\n\nYep. Okay. Yep. Yep. I'm really not sure on which way.\n\nI guess that's where look. Yeah. Look. Okay. Yeah.\n\nBecause, obviously, I'm not that's why you guy I got you guys, I guess. So yeah. Sure, I guess. Yeah. Yep.\n\nProbably should have questions maybe, but, yeah, it's it's it's a whole complex system, I understand. And yeah. Yeah. Sure. Yeah.\n\nYeah. Yeah. Yep. That sounds good. Hey.\n\nThank you. Yep. Mhmm. Yep. Mhmm.\n\nMhmm. Okay. No. I don't, actually. Yeah.\n\nNot no. Nothing's springing to mind at the moment. Pretty much. Yeah. I'm act I'm doing an act yeah.\n\nIt's it's my role at the moment. I'm doing an acting supervisor role at the moment. But yeah. But yes. That's that is pretty much yeah.\n\nI'm a bridge and drainage ganger, for for a council. Well, if I'm talking right now, as being a supervisor, I'm spending a favor of the time in the office and and on the phone. But as a bridge and drainage, I would be on-site, you know, repairing drains and and all that with equipment. So No. No.\n\nMhmm. Yeah. That's right. Yeah. Don't ever want that to happen.\n\nBut yeah. Well, look. The the only thing I can think of is do I had to do a medical or something, I think. Was that correct? Yes.\n\nSo yep. Yes. Yep. So I think I'm just on a I probably don't even have to. I could probably update that.\n\nMaybe. We'll see. But I'm on a low dose of for high blood pressure, which, you know, I I do I do plasma every fortnight, and my blood pressure's pretty good. So but I am on a low dose of a blood pressure tablet, and I do take an antidepressant like a yeah. So that's probably maybe because that's come to mind now, I guess.\n\nNow I think about Yeah. Okay. Yep. Right. Suppose if it helps you out.\n\nYeah. Sure. Yep. Mhmm. Yep.\n\nIs this something that I need to have? Sorry. Is this something I I need to have, this insurance? Or Mhmm. Well, she'd love that.\n\nShe just pulled up beside me. Actually, I'm sitting in the car still in the garage. She's pulled up beside me. Don't don't yeah. Don't don't say it too loud.\n\nYes. Yeah. Well, look, to be honest, yeah, I probably would, I guess. So yeah. Yep.\n\nYes. Absolutely. Yeah. That's that's that's that's kind of what I was saying because we do have two investment properties now. Maybe I don't know if it's a good idea or not, but, yeah, they're only early in the scene.\n\nSo yep. On which one on that investment? Oh, no. No. We we own our we own our place.\n\nYeah. Yep. No bid on that. I'm actually having a quick look now, to be honest, because I wouldn't have a clue. It's four yeah.\n\nIt's about 400And35. Yep. Yep. It's it's in Werribee. Yep.\n\nYes. Yep. I probably I don't know. It was I don't know what I told you this last time, but it must might have been a guess maybe. I don't know.\n\nBut yeah. So it's Clyde North. It's in melt down Melbourne Way. Clyde North. Yep.\n\nYeah. A bit more than the other one. It's 693, I will say. Absolutely. That's true.\n\nThat's well, I was calling to think about when you said that. I mean, I was thinking, well, I nearly I'll owe that bit or a bit more anyway. So yeah. Yeah. Absolutely.\n\nYeah. Yeah. Oh, absolutely. Yeah. Yep.\n\nLook. Don't think I don't believe I'm worth that much money, but I no. I think that's fine. Look. Yeah.\n\nYeah. Worst comes the worst. If something ever happens to me, Carla could sell the properties in it. Yeah. She could yeah.\n\nOr one of them at least. Yeah. That that yeah. And she'd be still fine. So yeah.\n\nYep. Absolutely. Yeah. Yeah. Yes.\n\nYeah. Well, that should be should be self sufficient anyway. So Okay. Mhmm. Yeah.\n\nI'm I'm nearly 50, and I I feel that I'm I'm a bit more immediate. So Yeah. It'd be nice. Mhmm. Yep.\n\nYep. Oh, I don't know. I don't even know if do I really should I really need it? Like, it's, yeah, it's a I know it's a yeah. Look.\n\nYou can look into it, I suppose. Yeah. Yep. Mhmm. Mhmm.\n\nYeah. So, obviously, that was a recommendation, and I would have agreed to it, I suppose, originally too. So yeah. Yep. Yep.\n\nThat is pretty good, I think. Yes. Yep. Yep. No.\n\nNo. Usually, I always think of something lighter. So yeah. If if there is anything. So yep.\n\nYep. Okay. Cool. Geez. I don't know.\n\nI don't think so. Maybe they haven't. I haven't really thought about it since that. But yeah. Hello?\n\nMhmm. Yep. Yeah. Uh-huh. Yep.\n\nYep. I'm I'm at a place where I've been for twenty seven years, and I have a lot of long service. I have a lot of sick leave. So and I'm just about to do another anniversary this month, actually, so I'll end up with another four weeks annual leave. So, look, realistically, I think if something's happened to me outside work, I've, you know, I'm I've got probably over twelve months easily of leave if I had to take it all.\n\nSo yeah. Mhmm. Yeah. Yeah. Absolutely.\n\nAnd, I mean, if it got too hard to just sell a property, let's just get rid of one. But, Yeah. It's yeah. It's it's always an option, I suppose. Not that it's not that I think that way.\n\nI try to don't even think about it, and be honest, because, you know, they are they are costing money, obviously, at the moment because rate rises and all that sort of things. So just try not to think about it pretty much. No. It hasn't really changed much how I feel. Like, my wife does all that.\n\nAnd earlier this year, our 20 year old kids So one of them bought his own place, and the daughter moved in with him. So we don't have as many mouths to feed at home anymore either. So so I feel the expenses have dropped a bit. Yeah. They should have.\n\nAnd my wife likes to put money away. So, yeah, we have a reasonably healthy savings account, I guess, you might as well say, which all which is always a good backup, which funds our bloody you know, our funds our what we our shortfall for the units. So yeah. It's hard to say. Yeah.\n\nI just I just keep it the same because, yeah, like I say, the the kids are gone, and then we've we've had the unit probably the other next the other units in, maybe, nearly twelve months. So, yeah, you might as well might as well say the same, I reckon. So Yeah. I'm pretty comfortable, I think. Yeah.\n\nYep. To leave it? Yep. Yep. No worries.\n\nIt's hard to say because I do overtime and that, but I haven't done a lot of overtime this year. But I'd I'd say the 90 go to 90 with it. I reckon from memory, I earned that bit over 90 this year, I think, or last last financial. Yeah. So Well, there's a handset from us going for 1.2 at the moment.\n\nSo it'll be yeah. I I I'd probably just put it at the mill mark now, way things are going. Yeah. Just be conservative. Yeah.\n\nOh, actually, I I wouldn't be able to tell you. I've I've just laid it at the 5. It'd probably be more, but we'll just leave it at the 5 100, I think. Yeah. Well, I'd like to think it's what we owe on it, but, yeah, it's sort of hard to say.\n\nIt's a three bedroom unit, two story unit. So, yeah, look, what oh, well, we haven't had done this one yet, have we? So, yeah, if well, only a guess. I'd been brand new and everything else. Leave it at the 700, I think, I suppose.\n\nYeah. Yeah. Actually, we do. Yes. Look.\n\nIt's still a neat car, but probably but realistically, maybe 12, I suppose. Yep. The savings was around 27,000. I've got a twin cab u a '13 model Mazda. Mazda bloody b c 50.\n\nYeah. I'd probably put 10 on 10 on it. Yep. Yeah. Yep.\n\nYeah. It turned out right. I bought bought it with cash. I got it a while back. Yeah, I think we went up a little bit 80, I think.\n\nYeah. I think that's all good. Wasn't that wasn't that long ago we done our insurance. So yeah. I think we I do have one more car as well, a little a toy.\n\nYep. Like like like like me it's a bit like it's the same not the exact same car. It's the same car. It's my first car when I got my license. So it's a XC Falcon.\n\nYep. And you could probably put $30 easily on it. So That's correct. Yep. Yes.\n\nI think it's fine at the moment. Yeah. Yep. Yeah. It's one of our kids.\n\nYeah. Yep. Well, our elders. Yeah. Okay.\n\nYes. Yep. Mhmm. Well, she loved that. Well, I'm not telling her that.\n\nYep. Yep. I'll tell her to leave me a bit longer because it'll get better. It'll get more. Yeah.\n\nLook, it'd be lovely to retire earlier. That's why we've gone in with the investments. So, yeah, so I guess that was part thereof trying to look into the future. So, you know, with super and stuff. So, yeah, so it'd be nice to knock off the you know?\n\nBecause we like to travel. So, yeah, I like to tinker in the shed. It'd be good not to have to come and have a day like I had today. So yeah. Alright.\n\nOh, look. It's hard to say. Like, it's the future. Depends on what I'm doing, I guess, work wise. Yeah.\n\nDo you do you go part time? Yeah. There's always options to go on part time and things like that. Like, I'm pretty handy on machinery. So, you know, I could always get a job on machines or, I guess, something like that.\n\nSo look. Hey. Look. If his house is going well and his super stay is good and I can retire at 60, I'll be probably looking at that. But, yeah, that's yeah.\n\nI didn't didn't think that would be very possible, but if it is, well yeah. But still, I'd probably do something for work anyway, part time anyways. So, yeah, I'd still want that structure, I reckon, for a little bit longer while I could still work. So yeah. Yeah.\n\nMhmm. Yep. I'm hoping so. Yeah. Yep.\n\nWhere do we sell them off or keep them yeah. Keep them yeah. Once you own them, obviously, yeah, you got your rent full rent, basically. Well well, minus a few things, but yeah. So just just all depends on the time and what's going on, I guess.\n\nMhmm. And if you're making it better? Yeah. Sure. No.\n\nAbsolutely not. Yep. Absolutely. Probably no. My wife will be more traveling, I suppose.\n\nYeah. That's that's probably our main thing. It's it's actually kinda weird at the moment with the kids leaving earlier this year. It's sort of it's a different different when you got a size house that we got at the moment, and that's just the two of us. It's a little bit different.\n\nSo, yeah, look, traveling could could more be a thing there once we, you know, get used to what we are at the moment. So Mhmm. Here we are. Yeah. I know.\n\nIt feels weird because, you know, we're yeah. We're we're still close with the kids. That's like we're always being close. And, yeah, I I skipped my gym day with my son today because I'm just getting home late, and this was happening. And yeah.\n\nSo but, yeah, we still they're they're in the they're in the same town, basically, as us. So, yeah, we get to see them all the time. So yeah. Yeah. Hi.\n\nOh, yes. I I I we should've yeah. Well, we had we didn't think that we didn't didn't think that way because we've gone with a company that really is AusTrull. I don't know if you've heard of them, but, yeah, we went through those went through those guys and, obviously, their their strategies are to be in Melbourne and things like that. But I guess if we had that time again, we probably could have just done something in the yeah.\n\nObviously, in Ginger or Aubrey where we are instead. But, anyway, that's that's past that point now. So But yeah. Yeah. That's right.\n\nWell, we could the kids could have moved. Well, I didn't want them to move out, to be honest. So but yeah. But I got our kids are 24 and 22 or nearly 23. So oh, 25.\n\nSorry. 25 and nearly 23. So yeah. Well well, we've got to keep them for that long, so that was good, I suppose. Yep.\n\nPaid. Entry. Yeah. Yeah. That's right.\n\nYep. Oh, no. It's good. It's good to see him start growing up. So yeah.\n\nWell, that's right. Yes. That's correct. Yeah. He's obviously, he's able to save a favor the money while he was at home.\n\nSo yeah. And do that. So yeah. It's wonderful. Thank you.\n\nYep. Yep. Yes. So that's the super you're talking about. Yeah.\n\nRight. Yeah. I suppose where there's always a fall, there will be a rise again at some stage. So I suppose yeah. In what time frame were you talking?\n\nOh, one, two, or three. Look. Yeah. Look. It's time to recover, I guess, if something like that happens, I guess.\n\nSo yeah. Pretty much. Pretty much. Yeah. I reckon so.\n\nYeah. You guys are the experts. So and I mean, yeah, it's another full thoughtful proof, obviously. Yeah. Things are always foreseeable, but unfulfavorable, so I get that.\n\nYeah. As a risk taker in Bali. I don't spend money. So and my wife tries to save it. So yeah.\n\nLook. I think we're on the less yeah. Risk less risky of of it, I suppose. Okay. Probably.\n\nI guess so. Yeah. Yeah. Look, I mean, we got investment properties we're paying for, I suppose, and we like to go on holidays, which we try and do once or once every year or every two years. So yeah.\n\nBut I mean, I just I was overseas holidays, that is, I suppose. Yeah. No. Never had shares. No.\n\nNot that I'm aware of. Not I think I think the kids had shared in Safeway when oh, into the window. But yeah. No. I don't have any shares.\n\nMhmm. Yep. Mhmm. Yep. Yeah.\n\nProbably where it is. I I I hope that Trump gets rid of the war a bit, and, you know, settled down a bit, and things return back to normal a bit. It'd be nice. So but, yeah, look. Kathy to keep it where it is.\n\nMhmm. Sounds great. Yep. Yep. Yep.\n\nYeah. Yep. No. Not not particularly. I understand some years would be down and and and that too.\n\nAnd obviously, with what's going on with the world too, that doesn't it's not gonna help, obviously. So I guess, yeah, it'd be nice to see a bigger growth, but, no, look, it is what it is, I suppose. So, yeah, I think oh, no. I I think I guess I I guess and everyone else is in the same boat too. So, yeah, can't really do too much about it, to be honest.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. Sure. That that that that's right. So I actually do have one question.\n\nIs so the amount that I the amount that I have in at the moment for for my age, is that okay, or is it sort of down a bit? Or, you know, how's how's that look in your opinion? But, yeah, I think this thing to see how I am tracking with it, I suppose. Yeah. Mhmm.\n\nYep. Oh, I'm above average. Yep. Yep. Yes.\n\nYep. Yep. Yep. That's good. Yeah.\n\nYeah. Nice. Oh, that's good. That's that's brighten up your afternoon a bit for me. Yeah.\n\nYeah. Probably probably more the investments, I suppose. It'd be nice to knock them down. But it's it's one of those things. It's a six seven, isn't it?\n\nThat's, yeah, do you put more in the super or yeah. Is it you put it in the super or yeah. And and hopefully, it's got good growth, or do you put it into the properties and hopefully, there's good growth in that. So I don't know. I kinda see that the I've got a bid in nature, you know, a bid in nature, I suppose.\n\nSo yeah. Yeah. Yes. Yeah. Cool.\n\nCool. No worries. Yep. Yes. It usually is.\n\nYes. Yeah. Yep. Let me see. I'll just try.\n\nGymnaut. Gymnaut. Yes. I think they were working good. Yes.\n\nYep. Those questions will I need what would I would I would these questions be things that I will know straight up or is it something that I won't have to yep. Yep. Yep. Yeah.\n\nOkay. Mhmm. That's alright. That should should be easy then. Yeah.\n\nYeah. Thank you. Easy done. Alright. Much very much appreciated.\n\nThank you very much. No worries. You too. You too when you get there. K.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.028749022632837296},{"text":"I'm on well, no.","start":7.52,"end":9.12,"sentiment":"neutral","sentiment_score":0.0678285751491785},{"text":"Don't ask me that today.","start":9.12,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.08408654555678367},{"text":"Thanks.","start":10.639999,"end":11.139999,"sentiment":"neutral","sentiment_score":0.14079153537750244},{"text":"It hasn't been a good one.","start":11.28,"end":12.88,"sentiment":"negative","sentiment_score":-0.33649443338314694}],"sentiment":"neutral","sentiment_score":-0.11756143938092624,"num_words":17,"start":1.5999999,"end":12.88},{"sentences":[{"text":"So, yeah, we'll leave it at that.","start":12.88,"end":15.059999,"sentiment":"neutral","sentiment_score":-0.11499914952686854},{"text":"Yeah.","start":15.12,"end":15.62,"sentiment":"neutral","sentiment_score":-0.020740937441587448},{"text":"That's okay.","start":17.645,"end":18.365,"sentiment":"neutral","sentiment_score":-0.02246284112334251},{"text":"It's like nature of the beast sometimes.","start":18.365,"end":21.185001,"sentiment":"neutral","sentiment_score":-0.19132795291287558},{"text":"So yeah.","start":21.405,"end":22.305,"sentiment":"neutral","sentiment_score":0.14176183566451073}],"sentiment":"neutral","sentiment_score":-0.10139119291776105,"num_words":19,"start":12.88,"end":22.305},{"sentences":[{"text":"We'll see about that, but that's okay.","start":27.325,"end":29.244999,"sentiment":"neutral","sentiment_score":0.11057178143944059},{"text":"Yeah.","start":29.244999,"end":29.744999,"sentiment":"neutral","sentiment_score":0.20308366417884827},{"text":"Well, look, it's not considering, but I'm gonna make an effort big effort because I've already knocked it off a couple of times already.","start":37.52,"end":44.96,"sentiment":"neutral","sentiment_score":-0.027749358627867576},{"text":"So because of things going on.","start":44.96,"end":47.184998,"sentiment":"neutral","sentiment_score":0.04292717141409715},{"text":"So, yeah, sometimes we we got I've made yeah.","start":47.184998,"end":52.805,"sentiment":"neutral","sentiment_score":-0.04852865615652667}],"sentiment":"neutral","sentiment_score":0.0028065244736585845,"num_words":47,"start":27.325,"end":52.805},{"sentences":[{"text":"Yeah.","start":72.925,"end":73.245,"sentiment":"neutral","sentiment_score":-0.007401445880532265},{"text":"Look.","start":73.245,"end":73.725,"sentiment":"neutral","sentiment_score":-0.013707539066672323},{"text":"Let let let us do it because like I said, I've I've already, yeah, I think twice now.","start":73.725,"end":80.045,"sentiment":"neutral","sentiment_score":-0.03599081705841753},{"text":"I think there was something on twice, I think.","start":80.045,"end":83.104996,"sentiment":"neutral","sentiment_score":-0.11675399459070629},{"text":"And, yeah, I don't wanna do it again.","start":83.565,"end":85.565,"sentiment":"neutral","sentiment_score":-0.22659686487168074}],"sentiment":"neutral","sentiment_score":-0.09547309627806819,"num_words":37,"start":72.925,"end":85.565},{"sentences":[{"text":"So yeah.","start":85.565,"end":86.795,"sentiment":"neutral","sentiment_score":0.04098957404494286},{"text":"Yep.","start":90.98,"end":91.48,"sentiment":"neutral","sentiment_score":0.05784446746110916},{"text":"That's okay.","start":91.86,"end":92.600006,"sentiment":"neutral","sentiment_score":0.1453348472714424},{"text":"Yep.","start":102.965,"end":103.465,"sentiment":"neutral","sentiment_score":0.23282329738140103},{"text":"Right.","start":112.005,"end":112.505,"sentiment":"neutral","sentiment_score":0.09784869849681854}],"sentiment":"neutral","sentiment_score":0.10873790085315704,"num_words":7,"start":85.565,"end":112.505},{"sentences":[{"text":"Yeah.","start":116.63,"end":117.13,"sentiment":"neutral","sentiment_score":0.07488591969013214},{"text":"Yeah.","start":117.189995,"end":117.509995,"sentiment":"neutral","sentiment_score":0.0844184011220932},{"text":"Okay.","start":117.509995,"end":117.909996,"sentiment":"neutral","sentiment_score":0.1190740317106247},{"text":"No worries.","start":117.909996,"end":118.649994,"sentiment":"neutral","sentiment_score":0.2858317196369171},{"text":"Yeah.","start":127.67,"end":127.909996,"sentiment":"neutral","sentiment_score":0.1374288648366928}],"sentiment":"neutral","sentiment_score":0.16457844277222952,"num_words":6,"start":116.63,"end":127.909996},{"sentences":[{"text":"That's fine.","start":127.909996,"end":128.55,"sentiment":"neutral","sentiment_score":0.21282995492219925},{"text":"Yep.","start":128.55,"end":129.015,"sentiment":"neutral","sentiment_score":0.3063814640045166},{"text":"Yeah.","start":137.895,"end":138.215,"sentiment":"neutral","sentiment_score":0.06230071932077408},{"text":"So Daniel Davies, twenty fourth of the fourth seventy seven, and my address is 3 Anvil Road, Jindra.","start":138.215,"end":145.64,"sentiment":"neutral","sentiment_score":0.052011318815251194},{"text":"Yep.","start":159.425,"end":159.925,"sentiment":"neutral","sentiment_score":0.07359278202056885}],"sentiment":"neutral","sentiment_score":0.07844080929846867,"num_words":23,"start":127.909996,"end":159.925},{"sentences":[{"text":"Yep.","start":177.48999,"end":177.98999,"sentiment":"neutral","sentiment_score":0.09602607786655426},{"text":"Well, that's a little nice little bump, I suppose, for now.","start":181.005,"end":187.32501,"sentiment":"neutral","sentiment_score":0.27667673338543286},{"text":"Yeah.","start":187.32501,"end":187.82501,"sentiment":"neutral","sentiment_score":0.29656821489334106},{"text":"Yeah.","start":192.445,"end":192.945,"sentiment":"neutral","sentiment_score":0.22358079254627228},{"text":"Yeah.","start":194.52501,"end":194.685,"sentiment":"neutral","sentiment_score":0.2059885859489441}],"sentiment":"neutral","sentiment_score":0.25770718256632485,"num_words":15,"start":177.48999,"end":194.685},{"sentences":[{"text":"Oh, that helps.","start":194.685,"end":195.66501,"sentiment":"neutral","sentiment_score":0.32031066219011944},{"text":"Yeah.","start":196.125,"end":196.625,"sentiment":"neutral","sentiment_score":0.23281362652778623},{"text":"Thanks, Pat.","start":209.935,"end":210.835,"sentiment":"neutral","sentiment_score":0.22356051206588745},{"text":"Yep.","start":219.215,"end":219.715,"sentiment":"neutral","sentiment_score":-0.11254238337278366},{"text":"Okay.","start":223.31999,"end":223.81999,"sentiment":"neutral","sentiment_score":-0.04703207314014435}],"sentiment":"neutral","sentiment_score":0.18516152258962393,"num_words":8,"start":194.685,"end":223.81999},{"sentences":[{"text":"It's on the phone.","start":223.87999,"end":224.78,"sentiment":"neutral","sentiment_score":-0.04878125712275505},{"text":"Come on.","start":225.64,"end":225.95999,"sentiment":"neutral","sentiment_score":-0.02831893414258957},{"text":"Get in.","start":225.95999,"end":226.59999,"sentiment":"neutral","sentiment_score":-0.00045495107769966125},{"text":"Thanks.","start":226.59999,"end":226.92,"sentiment":"neutral","sentiment_score":0.3093198835849762},{"text":"Thanks, guys.","start":226.92,"end":227.56,"sentiment":"positive","sentiment_score":0.452586829662323}],"sentiment":"neutral","sentiment_score":0.08743824945254759,"num_words":11,"start":223.87999,"end":227.56},{"sentences":[{"text":"Thanks.","start":227.56,"end":227.87999,"sentiment":"neutral","sentiment_score":0.33165818452835083},{"text":"Sorry.","start":227.87999,"end":228.2,"sentiment":"neutral","sentiment_score":-0.002495892345905304},{"text":"I was just grabbing my mail while you're talking to me, sir.","start":228.2,"end":230.68,"sentiment":"neutral","sentiment_score":-0.04153540233771006},{"text":"Yeah.","start":230.68,"end":231.0,"sentiment":"neutral","sentiment_score":-0.011803047731518744},{"text":"So it's a half an appointment.","start":231.0,"end":232.29999,"sentiment":"neutral","sentiment_score":-0.05963531353821357}],"sentiment":"neutral","sentiment_score":-0.025660831658613114,"num_words":21,"start":227.56,"end":232.29999},{"sentences":[{"text":"So I'll I'll I'll talk I'll talk to you another day.","start":232.36,"end":235.31999,"sentiment":"neutral","sentiment_score":-0.014516805213960733},{"text":"Thank you for letting me in.","start":235.31999,"end":237.15999,"sentiment":"positive","sentiment_score":0.3782852639754613},{"text":"I just I just the guys just let me in and from the pick up the mail.","start":237.15999,"end":241.775,"sentiment":"neutral","sentiment_score":0.06887026405071511},{"text":"So sorry about that.","start":241.775,"end":242.895,"sentiment":"neutral","sentiment_score":-0.1057662907987833},{"text":"Like I say, I've just got very much going on.","start":242.895,"end":245.315,"sentiment":"neutral","sentiment_score":-0.08026781715452672}],"sentiment":"neutral","sentiment_score":0.04281412251293659,"num_words":48,"start":232.36,"end":245.315},{"sentences":[{"text":"And but I'll be I'll be right now.","start":245.535,"end":247.535,"sentiment":"neutral","sentiment_score":0.23548192251473665},{"text":"I'm with you a 100% now.","start":247.535,"end":248.975,"sentiment":"positive","sentiment_score":0.3968386749426524},{"text":"So yeah.","start":248.975,"end":250.045,"sentiment":"neutral","sentiment_score":0.24311447143554688},{"text":"Yes.","start":254.2,"end":254.59999,"sentiment":"neutral","sentiment_score":0.07563455402851105},{"text":"I just didn't wanna be rude to my male people.","start":254.59999,"end":257.9,"sentiment":"neutral","sentiment_score":-0.1172502540051937}],"sentiment":"neutral","sentiment_score":0.1353425328378324,"num_words":27,"start":245.535,"end":257.9},{"sentences":[{"text":"Yeah.","start":262.695,"end":263.195,"sentiment":"neutral","sentiment_score":-0.03342919051647186},{"text":"Oh, 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fine.","start":1370.915,"end":1371.9551,"sentiment":"neutral","sentiment_score":-0.04549763072282076},{"text":"Look.","start":1371.9551,"end":1372.4551,"sentiment":"neutral","sentiment_score":0.003148782998323441},{"text":"Yeah.","start":1372.5951,"end":1373.0951,"sentiment":"neutral","sentiment_score":-0.00024529919028282166}],"sentiment":"neutral","sentiment_score":-0.09675297187641263,"num_words":20,"start":1364.2699,"end":1373.0951},{"sentences":[{"text":"Yeah.","start":1373.555,"end":1373.875,"sentiment":"neutral","sentiment_score":-0.08618718385696411},{"text":"Worst comes the worst.","start":1373.875,"end":1374.915,"sentiment":"neutral","sentiment_score":-0.3145621605217457},{"text":"If something ever happens to me, Carla could sell the properties in it.","start":1374.915,"end":1378.035,"sentiment":"neutral","sentiment_score":-0.18995843139978555},{"text":"Yeah.","start":1378.035,"end":1378.355,"sentiment":"neutral","sentiment_score":0.002199692651629448},{"text":"She could 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yeah.","start":1383.17,"end":1384.47,"sentiment":"neutral","sentiment_score":0.23391810804605484}],"sentiment":"neutral","sentiment_score":0.09377159506959074,"num_words":17,"start":1379.57,"end":1384.47},{"sentences":[{"text":"Yep.","start":1389.09,"end":1389.59,"sentiment":"neutral","sentiment_score":0.06741735339164734},{"text":"Absolutely.","start":1391.01,"end":1391.51,"sentiment":"neutral","sentiment_score":0.1806868612766266},{"text":"Yeah.","start":1398.3949,"end":1398.8949,"sentiment":"neutral","sentiment_score":0.06836584210395813},{"text":"Yeah.","start":1400.635,"end":1401.135,"sentiment":"neutral","sentiment_score":0.043582212179899216},{"text":"Yes.","start":1401.2749,"end":1401.6749,"sentiment":"neutral","sentiment_score":0.04733393341302872}],"sentiment":"neutral","sentiment_score":0.081477240473032,"num_words":5,"start":1389.09,"end":1401.6749},{"sentences":[{"text":"Yeah.","start":1401.6749,"end":1401.995,"sentiment":"neutral","sentiment_score":0.05135319009423256},{"text":"Well, that should be should be self sufficient anyway.","start":1401.995,"end":1404.475,"sentiment":"neutral","sentiment_score":0.11649012317260106},{"text":"So Okay.","start":1404.475,"end":1424.215,"sentiment":"neutral","sentiment_score":0.14242571592330933},{"text":"Mhmm.","start":1432.7,"end":1433.2,"sentiment":"neutral","sentiment_score":0.0945298820734024},{"text":"Yeah.","start":1451.275,"end":1451.775,"sentiment":"neutral","sentiment_score":0.07047367095947266}],"sentiment":"neutral","sentiment_score":0.1106870916805097,"num_words":14,"start":1401.6749,"end":1451.775},{"sentences":[{"text":"I'm I'm nearly 50, and I I feel that I'm I'm a bit more immediate.","start":1459.9501,"end":1463.89,"sentiment":"neutral","sentiment_score":0.32270866533120474},{"text":"So Yeah.","start":1464.03,"end":1468.29,"sentiment":"neutral","sentiment_score":0.14628798980265856},{"text":"It'd be 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yeah.","start":1582.2,"end":1586.115,"sentiment":"neutral","sentiment_score":-0.30645655691623686},{"text":"Look.","start":1586.115,"end":1586.355,"sentiment":"neutral","sentiment_score":-0.0600021593272686}],"sentiment":"negative","sentiment_score":-0.4155572584733881,"num_words":29,"start":1561.405,"end":1586.355},{"sentences":[{"text":"You can look into it, I 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yeah.","start":1648.065,"end":1648.8049,"sentiment":"neutral","sentiment_score":0.022812530398368835},{"text":"Yep.","start":1648.945,"end":1649.445,"sentiment":"neutral","sentiment_score":0.02208898961544037},{"text":"Yep.","start":1712.445,"end":1712.88,"sentiment":"neutral","sentiment_score":0.068380206823349}],"sentiment":"neutral","sentiment_score":0.045731150841509756,"num_words":22,"start":1641.905,"end":1712.88},{"sentences":[{"text":"That is pretty good, I 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yeah.","start":1735.905,"end":1736.545,"sentiment":"neutral","sentiment_score":0.04190796799957752},{"text":"If if there is anything.","start":1736.545,"end":1737.8251,"sentiment":"neutral","sentiment_score":0.022527438029646872},{"text":"So yep.","start":1737.8251,"end":1746.5,"sentiment":"neutral","sentiment_score":0.18670722097158432}],"sentiment":"neutral","sentiment_score":0.007476026411442196,"num_words":17,"start":1733.265,"end":1746.5},{"sentences":[{"text":"Yep.","start":1750.7201,"end":1751.175,"sentiment":"neutral","sentiment_score":0.19672849774360657},{"text":"Okay.","start":1762.055,"end":1762.535,"sentiment":"neutral","sentiment_score":0.2719625234603882},{"text":"Cool.","start":1762.535,"end":1763.035,"sentiment":"positive","sentiment_score":0.634269118309021},{"text":"Geez.","start":1780.865,"end":1781.365,"sentiment":"neutral","sentiment_score":-0.1426132470369339},{"text":"I don't 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financial.","start":2217.94,"end":2225.6948,"sentiment":"neutral","sentiment_score":0.013237255521946482},{"text":"Yeah.","start":2225.835,"end":2226.335,"sentiment":"neutral","sentiment_score":0.08516818284988403},{"text":"So Well, there's a handset from us going for 1.2 at the moment.","start":2226.3948,"end":2254.665,"sentiment":"neutral","sentiment_score":0.030997241775576886}],"sentiment":"neutral","sentiment_score":-0.03398720659906902,"num_words":63,"start":2208.98,"end":2254.665},{"sentences":[{"text":"So it'll be yeah.","start":2254.8052,"end":2256.885,"sentiment":"neutral","sentiment_score":0.003071586601436138},{"text":"I I I'd probably just put it at the mill mark now, way things are going.","start":2256.885,"end":2261.5452,"sentiment":"neutral","sentiment_score":0.006070643081329763},{"text":"Yeah.","start":2261.605,"end":2261.925,"sentiment":"neutral","sentiment_score":0.06179903820157051},{"text":"Just be 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say.","start":2289.2551,"end":2295.2,"sentiment":"neutral","sentiment_score":-0.0523923202172706}],"sentiment":"neutral","sentiment_score":-0.03237870908430163,"num_words":53,"start":2274.47,"end":2295.2},{"sentences":[{"text":"It's a three bedroom unit, two story unit.","start":2295.98,"end":2299.28,"sentiment":"neutral","sentiment_score":-0.015551873482763767},{"text":"So, yeah, look, what oh, well, we haven't had done this one yet, have we?","start":2300.22,"end":2304.54,"sentiment":"neutral","sentiment_score":-0.0591715515901645},{"text":"So, yeah, if well, only a guess.","start":2304.54,"end":2310.7551,"sentiment":"neutral","sentiment_score":-0.0329644222344671},{"text":"I'd been brand new and everything else.","start":2310.7551,"end":2312.8352,"sentiment":"neutral","sentiment_score":0.03504290897399187},{"text":"Leave it at the 700, I think, I 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suppose.","start":2339.6548,"end":2346.315,"sentiment":"neutral","sentiment_score":0.0699314738695438},{"text":"Yep.","start":2347.8948,"end":2348.3948,"sentiment":"neutral","sentiment_score":0.31827765703201294},{"text":"The savings was around 27,000.","start":2356.28,"end":2359.26,"sentiment":"neutral","sentiment_score":0.03634834624826908},{"text":"I've got a twin cab u a '13 model Mazda.","start":2369.495,"end":2373.5151,"sentiment":"neutral","sentiment_score":0.03428082074970007},{"text":"Mazda bloody b c 50.","start":2374.0552,"end":2375.915,"sentiment":"neutral","sentiment_score":0.018279265239834787}],"sentiment":"neutral","sentiment_score":0.054215678890400076,"num_words":34,"start":2339.6548,"end":2375.915},{"sentences":[{"text":"Yeah.","start":2375.975,"end":2376.475,"sentiment":"neutral","sentiment_score":0.018581442534923553},{"text":"I'd probably put 10 on 10 on it.","start":2377.5,"end":2379.6,"sentiment":"neutral","sentiment_score":0.01972229138482362},{"text":"Yep.","start":2382.7,"end":2383.2,"sentiment":"neutral","sentiment_score":-0.008471840992569923},{"text":"Yeah.","start":2383.82,"end":2384.22,"sentiment":"neutral","sentiment_score":-0.0004789382219314575},{"text":"Yep.","start":2384.22,"end":2384.54,"sentiment":"neutral","sentiment_score":0.014875445514917374}],"sentiment":"neutral","sentiment_score":0.015190369992827376,"num_words":12,"start":2375.975,"end":2384.54},{"sentences":[{"text":"Yeah.","start":2384.54,"end":2384.7,"sentiment":"neutral","sentiment_score":0.031207535415887833},{"text":"It turned out right.","start":2384.7,"end":2385.74,"sentiment":"neutral","sentiment_score":0.04197967704385519},{"text":"I bought bought it with cash.","start":2385.74,"end":2388.32,"sentiment":"neutral","sentiment_score":0.012493813410401344},{"text":"I got it a while back.","start":2388.7,"end":2390.24,"sentiment":"neutral","sentiment_score":0.00572859946017464},{"text":"Yeah, I think we went up a little bit 80, I think.","start":2404.01,"end":2406.91,"sentiment":"neutral","sentiment_score":0.006431579201792677}],"sentiment":"neutral","sentiment_score":0.013297919697802642,"num_words":29,"start":2384.54,"end":2406.91},{"sentences":[{"text":"Yeah.","start":2408.57,"end":2409.07,"sentiment":"neutral","sentiment_score":0.1301630288362503},{"text":"I think that's all good.","start":2410.0898,"end":2411.13,"sentiment":"positive","sentiment_score":0.38370304107666015},{"text":"Wasn't that wasn't that long ago we done our insurance.","start":2411.13,"end":2413.39,"sentiment":"neutral","sentiment_score":0.01736935689114034},{"text":"So yeah.","start":2413.69,"end":2414.5999,"sentiment":"neutral","sentiment_score":0.04354837350547314},{"text":"I think we I do have one more car as well, a little a toy.","start":2415.585,"end":2422.305,"sentiment":"neutral","sentiment_score":0.14593057632446288}],"sentiment":"neutral","sentiment_score":0.1363159756063286,"num_words":33,"start":2408.57,"end":2422.305},{"sentences":[{"text":"Yep.","start":2422.305,"end":2422.805,"sentiment":"neutral","sentiment_score":0.00016130413860082626},{"text":"Like like like like me it's a bit like it's the same not the exact same car.","start":2424.305,"end":2428.4648,"sentiment":"neutral","sentiment_score":-0.09242847364614992},{"text":"It's the same car.","start":2428.4648,"end":2429.265,"sentiment":"neutral","sentiment_score":-0.010144411586225033},{"text":"It's my first car when I got my license.","start":2429.265,"end":2431.23,"sentiment":"neutral","sentiment_score":0.019150238691104784},{"text":"So it's a XC Falcon.","start":2432.03,"end":2433.97,"sentiment":"neutral","sentiment_score":0.02418573722243309}],"sentiment":"neutral","sentiment_score":-0.03662276555163165,"num_words":36,"start":2422.305,"end":2433.97},{"sentences":[{"text":"Yep.","start":2436.35,"end":2436.85,"sentiment":"neutral","sentiment_score":0.2908097803592682},{"text":"And you could probably put $30 easily on it.","start":2437.07,"end":2440.35,"sentiment":"neutral","sentiment_score":0.31457632780075073},{"text":"So That's correct.","start":2440.35,"end":2445.8699,"sentiment":"neutral","sentiment_score":0.16458777089913687},{"text":"Yep.","start":2445.8699,"end":2446.305,"sentiment":"neutral","sentiment_score":0.2983815670013428},{"text":"Yes.","start":2467.45,"end":2467.7698,"sentiment":"neutral","sentiment_score":0.1134507656097412}],"sentiment":"neutral","sentiment_score":0.2685061583916346,"num_words":15,"start":2436.35,"end":2467.7698},{"sentences":[{"text":"I think it's fine at the moment.","start":2467.7698,"end":2469.3699,"sentiment":"neutral","sentiment_score":0.179086657507079},{"text":"Yeah.","start":2469.3699,"end":2469.7698,"sentiment":"neutral","sentiment_score":0.12960320711135864},{"text":"Yep.","start":2469.7698,"end":2470.2698,"sentiment":"neutral","sentiment_score":0.0828106626868248},{"text":"Yeah.","start":2475.665,"end":2475.905,"sentiment":"neutral","sentiment_score":0.03276652842760086},{"text":"It's one of our kids.","start":2475.905,"end":2476.945,"sentiment":"neutral","sentiment_score":0.045867064595222475}],"sentiment":"neutral","sentiment_score":0.11520815491676331,"num_words":15,"start":2467.7698,"end":2476.945},{"sentences":[{"text":"Yeah.","start":2476.945,"end":2477.425,"sentiment":"neutral","sentiment_score":0.05747298151254654},{"text":"Yep.","start":2477.425,"end":2477.925,"sentiment":"neutral","sentiment_score":0.0550098679959774},{"text":"Well, our elders.","start":2479.905,"end":2480.965,"sentiment":"neutral","sentiment_score":0.0454434889058272},{"text":"Yeah.","start":2481.825,"end":2482.325,"sentiment":"neutral","sentiment_score":0.04370794445276261},{"text":"Okay.","start":2501.3198,"end":2501.8198,"sentiment":"neutral","sentiment_score":0.05296491459012032}],"sentiment":"neutral","sentiment_score":0.049355167895555496,"num_words":7,"start":2476.945,"end":2501.8198},{"sentences":[{"text":"Yes.","start":2508.635,"end":2509.135,"sentiment":"neutral","sentiment_score":0.09592141211032867},{"text":"Yep.","start":2509.4348,"end":2509.9348,"sentiment":"neutral","sentiment_score":0.09408371150493622},{"text":"Mhmm.","start":2540.215,"end":2540.715,"sentiment":"neutral","sentiment_score":0.04171852394938469},{"text":"Well, she loved that.","start":2540.855,"end":2542.215,"sentiment":"positive","sentiment_score":0.6340173333883286},{"text":"Well, I'm not telling her that.","start":2542.215,"end":2543.595,"sentiment":"neutral","sentiment_score":0.047748811542987823}],"sentiment":"neutral","sentiment_score":0.23494506541353005,"num_words":13,"start":2508.635,"end":2543.595},{"sentences":[{"text":"Yep.","start":2546.53,"end":2547.03,"sentiment":"neutral","sentiment_score":0.13520190119743347},{"text":"Yep.","start":2548.05,"end":2548.55,"sentiment":"neutral","sentiment_score":0.2704887390136719},{"text":"I'll tell her to leave me a bit longer because it'll get better.","start":2549.0898,"end":2551.91,"sentiment":"neutral","sentiment_score":0.3320161195901724},{"text":"It'll get more.","start":2552.13,"end":2553.03,"sentiment":"positive","sentiment_score":0.4258207380771637},{"text":"Yeah.","start":2572.37,"end":2572.61,"sentiment":"neutral","sentiment_score":0.08602097630500793}],"sentiment":"neutral","sentiment_score":0.3202833360747287,"num_words":19,"start":2546.53,"end":2572.61},{"sentences":[{"text":"Look, it'd be lovely to retire earlier.","start":2572.61,"end":2575.83,"sentiment":"neutral","sentiment_score":0.22275445290974208},{"text":"That's why we've gone in with the investments.","start":2576.85,"end":2580.71,"sentiment":"neutral","sentiment_score":0.12094340845942497},{"text":"So, yeah, so I guess that was part thereof trying to look into the future.","start":2581.73,"end":2588.005,"sentiment":"neutral","sentiment_score":0.0854654148221016},{"text":"So, you know, with super and stuff.","start":2588.065,"end":2590.305,"sentiment":"neutral","sentiment_score":0.1025734543800354},{"text":"So, yeah, so it'd be nice to knock off the you know?","start":2590.305,"end":2596.305,"sentiment":"neutral","sentiment_score":0.10140040889382362}],"sentiment":"neutral","sentiment_score":0.11721691321961734,"num_words":49,"start":2572.61,"end":2596.305},{"sentences":[{"text":"Because we like to travel.","start":2596.305,"end":2597.605,"sentiment":"neutral","sentiment_score":0.07503423988819122},{"text":"So, yeah, I like to tinker in the shed.","start":2597.7449,"end":2601.1099,"sentiment":"neutral","sentiment_score":0.14211491578155094},{"text":"It'd be good not to have to come and have a day like I had today.","start":2601.1099,"end":2604.5698,"sentiment":"neutral","sentiment_score":0.10413730330765247},{"text":"So yeah.","start":2604.63,"end":2605.5298,"sentiment":"neutral","sentiment_score":0.07410676032304764},{"text":"Alright.","start":2616.375,"end":2616.875,"sentiment":"neutral","sentiment_score":0.0764864832162857}],"sentiment":"neutral","sentiment_score":0.10742734237150713,"num_words":33,"start":2596.305,"end":2616.875},{"sentences":[{"text":"Oh, look.","start":2624.43,"end":2633.0898,"sentiment":"neutral","sentiment_score":0.001154411584138871},{"text":"It's hard to say.","start":2634.19,"end":2634.99,"sentiment":"neutral","sentiment_score":-0.054257798939943314},{"text":"Like, it's the future.","start":2634.99,"end":2636.29,"sentiment":"neutral","sentiment_score":-0.039581624791026115},{"text":"Depends on what I'm doing, I guess, work wise.","start":2637.4148,"end":2640.2148,"sentiment":"neutral","sentiment_score":-0.007541562120119731},{"text":"Yeah.","start":2640.2148,"end":2640.4548,"sentiment":"neutral","sentiment_score":0.027250180020928383}],"sentiment":"neutral","sentiment_score":-0.020683637540787458,"num_words":20,"start":2624.43,"end":2640.4548},{"sentences":[{"text":"Do you do you go part time?","start":2640.4548,"end":2642.375,"sentiment":"neutral","sentiment_score":0.02432950053896223},{"text":"Yeah.","start":2642.375,"end":2642.615,"sentiment":"neutral","sentiment_score":0.04980264604091644},{"text":"There's always options to go on part time and things like that.","start":2642.615,"end":2645.815,"sentiment":"neutral","sentiment_score":0.06059656385332346},{"text":"Like, I'm pretty handy on machinery.","start":2645.815,"end":2647.575,"sentiment":"neutral","sentiment_score":0.06405596000452836},{"text":"So, you know, I could always get a job on machines or, I guess, something like that.","start":2647.575,"end":2653.2898,"sentiment":"neutral","sentiment_score":0.05074064828017179}],"sentiment":"neutral","sentiment_score":0.051027783647526144,"num_words":43,"start":2640.4548,"end":2653.2898},{"sentences":[{"text":"So look.","start":2653.2898,"end":2654.17,"sentiment":"neutral","sentiment_score":0.03931114263832569},{"text":"Hey.","start":2654.17,"end":2654.41,"sentiment":"neutral","sentiment_score":0.02840355969965458},{"text":"Look.","start":2654.41,"end":2654.91,"sentiment":"neutral","sentiment_score":0.015437167137861252},{"text":"If his house is going well and his super stay is good and I can retire at 60, I'll be probably looking at that.","start":2655.3699,"end":2661.69,"sentiment":"positive","sentiment_score":0.3985690424839656},{"text":"But, yeah, that's yeah.","start":2661.69,"end":2664.065,"sentiment":"neutral","sentiment_score":0.16365167871117592}],"sentiment":"neutral","sentiment_score":0.3232102108304389,"num_words":32,"start":2653.2898,"end":2664.065},{"sentences":[{"text":"I didn't didn't think that would be very possible, but if it is, well yeah.","start":2664.065,"end":2668.625,"sentiment":"neutral","sentiment_score":-0.02464050135264794},{"text":"But still, I'd probably do something for work anyway, part time anyways.","start":2668.625,"end":2672.1648,"sentiment":"neutral","sentiment_score":0.020711674044529598},{"text":"So, yeah, I'd still want that structure, I reckon, for a little bit longer while I could still work.","start":2672.305,"end":2679.26,"sentiment":"neutral","sentiment_score":0.16335670140228772},{"text":"So yeah.","start":2679.26,"end":2680.1602,"sentiment":"neutral","sentiment_score":0.180698424577713},{"text":"Yeah.","start":2696.885,"end":2697.385,"sentiment":"neutral","sentiment_score":0.1207011342048645}],"sentiment":"neutral","sentiment_score":0.07071036486221212,"num_words":49,"start":2664.065,"end":2697.385},{"sentences":[{"text":"Mhmm.","start":2705.605,"end":2706.005,"sentiment":"neutral","sentiment_score":0.05942818149924278},{"text":"Yep.","start":2706.005,"end":2706.42,"sentiment":"neutral","sentiment_score":0.09751619398593904},{"text":"I'm hoping 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yeah.","start":2744.25,"end":2747.055,"sentiment":"neutral","sentiment_score":0.05619654757902026},{"text":"So just just all depends on the time and what's going on, I guess.","start":2748.815,"end":2753.395,"sentiment":"neutral","sentiment_score":0.08119829318353108}],"sentiment":"neutral","sentiment_score":0.08934688471102466,"num_words":48,"start":2735.6099,"end":2753.395},{"sentences":[{"text":"Mhmm.","start":2763.65,"end":2764.15,"sentiment":"neutral","sentiment_score":0.17215414345264435},{"text":"And if you're making it 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no.","start":2817.49,"end":2818.9302,"sentiment":"neutral","sentiment_score":-0.08633172884583473},{"text":"My wife will be more traveling, I suppose.","start":2818.9302,"end":2821.4302,"sentiment":"neutral","sentiment_score":-0.1185977989807725}],"sentiment":"neutral","sentiment_score":-0.002361082604953223,"num_words":14,"start":2789.855,"end":2821.4302},{"sentences":[{"text":"Yeah.","start":2822.1301,"end":2822.53,"sentiment":"neutral","sentiment_score":-0.009300852194428444},{"text":"That's that's probably our main thing.","start":2822.53,"end":2825.1702,"sentiment":"neutral","sentiment_score":-0.04390164682020744},{"text":"It's it's actually kinda weird at the moment with the kids leaving earlier this year.","start":2825.1702,"end":2829.01,"sentiment":"neutral","sentiment_score":-0.14847032278776168},{"text":"It's sort of it's a different different when you got a size house that we got at the moment, and that's just the two of 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yeah.","start":2865.945,"end":2867.325,"sentiment":"neutral","sentiment_score":0.0019211648032069206}],"sentiment":"neutral","sentiment_score":0.012446628221207194,"num_words":45,"start":2852.21,"end":2867.325},{"sentences":[{"text":"So but, yeah, we still they're they're in the they're in the same town, basically, as us.","start":2867.465,"end":2873.73,"sentiment":"neutral","sentiment_score":0.05297623991089709},{"text":"So, yeah, we get to see them all the time.","start":2873.73,"end":2875.6501,"sentiment":"neutral","sentiment_score":0.12594420313835145},{"text":"So yeah.","start":2875.6501,"end":2877.43,"sentiment":"positive","sentiment_score":0.3419883921742439},{"text":"Yeah.","start":2877.81,"end":2878.31,"sentiment":"positive","sentiment_score":0.5881012678146362},{"text":"Hi.","start":2884.93,"end":2885.43,"sentiment":"neutral","sentiment_score":0.03219721466302872}],"sentiment":"neutral","sentiment_score":0.11175204440951347,"num_words":31,"start":2867.465,"end":2885.43},{"sentences":[{"text":"Oh, yes.","start":2888.575,"end":2892.035,"sentiment":"neutral","sentiment_score":0.08583362214267254},{"text":"I I I we should've yeah.","start":2892.095,"end":2896.255,"sentiment":"neutral","sentiment_score":0.06899361312389374},{"text":"Well, we had we didn't think that we didn't didn't think that way because we've gone with a company that really is AusTrull.","start":2896.255,"end":2903.71,"sentiment":"neutral","sentiment_score":-0.012421656501196001},{"text":"I don't know if you've heard of them, but, yeah, we went through those went through those guys and, obviously, their their strategies are to be in Melbourne and things like that.","start":2903.77,"end":2912.89,"sentiment":"neutral","sentiment_score":-0.006629033188801259},{"text":"But I guess if we had that time again, we probably could have just done something in the yeah.","start":2912.89,"end":2917.4348,"sentiment":"neutral","sentiment_score":-0.024187843707439146}],"sentiment":"neutral","sentiment_score":-0.00453374718270469,"num_words":82,"start":2888.575,"end":2917.4348},{"sentences":[{"text":"Obviously, in Ginger or Aubrey where we are instead.","start":2917.4348,"end":2921.055,"sentiment":"neutral","sentiment_score":0.0009529688912961218},{"text":"But, anyway, that's that's past that point now.","start":2921.4348,"end":2924.4749,"sentiment":"neutral","sentiment_score":-0.02225556841585785},{"text":"So But yeah.","start":2924.4749,"end":2926.265,"sentiment":"neutral","sentiment_score":0.04709223471581936},{"text":"Yeah.","start":2929.17,"end":2929.4897,"sentiment":"neutral","sentiment_score":0.05653278902173042},{"text":"That's right.","start":2929.4897,"end":2930.05,"sentiment":"neutral","sentiment_score":0.06716679967939854}],"sentiment":"neutral","sentiment_score":0.007072837618382081,"num_words":23,"start":2917.4348,"end":2930.05},{"sentences":[{"text":"Well, we could the kids could have moved.","start":2930.05,"end":2931.5698,"sentiment":"neutral","sentiment_score":-0.02642128663137555},{"text":"Well, I didn't want them to move out, to be honest.","start":2931.5698,"end":2933.41,"sentiment":"neutral","sentiment_score":-0.11900395358150656},{"text":"So but yeah.","start":2933.41,"end":2935.0898,"sentiment":"neutral","sentiment_score":-0.05435499424735705},{"text":"But I got our kids are 24 and 22 or nearly 23.","start":2935.0898,"end":2939.65,"sentiment":"neutral","sentiment_score":-0.005167065653949976},{"text":"So oh, 25.","start":2939.65,"end":2940.93,"sentiment":"neutral","sentiment_score":0.026979598527153332}],"sentiment":"neutral","sentiment_score":-0.04498769614744831,"num_words":37,"start":2930.05,"end":2940.93},{"sentences":[{"text":"Sorry.","start":2940.93,"end":2941.25,"sentiment":"neutral","sentiment_score":-0.02976219356060028},{"text":"25 and nearly 23.","start":2941.25,"end":2942.95,"sentiment":"neutral","sentiment_score":0.02705809148028493},{"text":"So yeah.","start":2943.045,"end":2946.2449,"sentiment":"neutral","sentiment_score":0.19164976477622986},{"text":"Well well, we've got to keep them for that long, so that was good, I 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right.","start":2964.32,"end":2965.04,"sentiment":"neutral","sentiment_score":0.11386623233556747}],"sentiment":"neutral","sentiment_score":0.05833653213145832,"num_words":6,"start":2954.085,"end":2965.04},{"sentences":[{"text":"Yep.","start":2965.04,"end":2965.54,"sentiment":"neutral","sentiment_score":0.10951783508062364},{"text":"Oh, no.","start":2966.08,"end":2966.48,"sentiment":"neutral","sentiment_score":0.14830756187438965},{"text":"It's good.","start":2966.48,"end":2966.96,"sentiment":"positive","sentiment_score":0.4489234834909439},{"text":"It's good to see him start growing up.","start":2966.96,"end":2969.06,"sentiment":"positive","sentiment_score":0.6070622876286507},{"text":"So yeah.","start":2969.2,"end":2970.18,"sentiment":"neutral","sentiment_score":0.23431380093097687}],"sentiment":"positive","sentiment_score":0.4419403885801633,"num_words":15,"start":2965.04,"end":2970.18},{"sentences":[{"text":"Well, that's right.","start":2980.465,"end":2981.425,"sentiment":"neutral","sentiment_score":0.1675419956445694},{"text":"Yes.","start":2981.425,"end":2981.925,"sentiment":"neutral","sentiment_score":0.1702219545841217},{"text":"That's correct.","start":2981.985,"end":2982.705,"sentiment":"neutral","sentiment_score":0.22301439195871353},{"text":"Yeah.","start":2982.705,"end":2982.945,"sentiment":"neutral","sentiment_score":0.22992068529129028},{"text":"He's obviously, he's able to save a favor the money while he was at home.","start":2982.945,"end":2987.12,"sentiment":"neutral","sentiment_score":0.24609783192475637}],"sentiment":"neutral","sentiment_score":0.22910294952717694,"num_words":22,"start":2980.465,"end":2987.12},{"sentences":[{"text":"So yeah.","start":2987.12,"end":2988.58,"sentiment":"neutral","sentiment_score":0.1796838343143463},{"text":"And do that.","start":2990.4001,"end":2991.28,"sentiment":"neutral","sentiment_score":0.20609081288178763},{"text":"So yeah.","start":2991.28,"end":2991.84,"sentiment":"positive","sentiment_score":0.3360237628221512},{"text":"It's wonderful.","start":2991.84,"end":2992.5,"sentiment":"positive","sentiment_score":0.7295773029327393},{"text":"Thank you.","start":2998.6401,"end":2999.3801,"sentiment":"neutral","sentiment_score":0.3060137629508972}],"sentiment":"positive","sentiment_score":0.3382608876986937,"num_words":11,"start":2987.12,"end":2999.3801},{"sentences":[{"text":"Yep.","start":3012.72,"end":3013.22,"sentiment":"neutral","sentiment_score":-0.043057166039943695},{"text":"Yep.","start":3016.24,"end":3016.74,"sentiment":"neutral","sentiment_score":-0.044429562985897064},{"text":"Yes.","start":3029.7449,"end":3030.2449,"sentiment":"neutral","sentiment_score":0.003294214606285095},{"text":"So that's the super you're talking about.","start":3063.2249,"end":3064.905,"sentiment":"neutral","sentiment_score":0.014755552900688989},{"text":"Yeah.","start":3064.905,"end":3065.405,"sentiment":"neutral","sentiment_score":0.00040320679545402527}],"sentiment":"neutral","sentiment_score":0.0017726875164292076,"num_words":11,"start":3012.72,"end":3065.405},{"sentences":[{"text":"Right.","start":3066.345,"end":3066.845,"sentiment":"neutral","sentiment_score":-0.04898253083229065},{"text":"Yeah.","start":3071.3,"end":3071.8,"sentiment":"neutral","sentiment_score":-0.15221577882766724},{"text":"I suppose where there's always a fall, there will be a rise again at some stage.","start":3072.9802,"end":3076.9001,"sentiment":"neutral","sentiment_score":-0.17177885584533215},{"text":"So I suppose yeah.","start":3076.9001,"end":3078.9001,"sentiment":"neutral","sentiment_score":-0.017920740647241473},{"text":"In what time frame were you talking?","start":3078.9001,"end":3080.805,"sentiment":"neutral","sentiment_score":-0.017515757786376134}],"sentiment":"neutral","sentiment_score":-0.10841218173375418,"num_words":29,"start":3066.345,"end":3080.805},{"sentences":[{"text":"Oh, one, two, or three.","start":3083.845,"end":3084.885,"sentiment":"neutral","sentiment_score":-0.013153374567627907},{"text":"Look.","start":3084.885,"end":3085.385,"sentiment":"neutral","sentiment_score":-0.002472386695444584},{"text":"Yeah.","start":3085.925,"end":3086.325,"sentiment":"neutral","sentiment_score":0.010603800415992737},{"text":"Look.","start":3086.325,"end":3086.565,"sentiment":"neutral","sentiment_score":-0.005925735458731651},{"text":"It's time to recover, I guess, if something like that happens, I 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yeah.","start":3138.185,"end":3140.665,"sentiment":"neutral","sentiment_score":-0.006502475589513779}],"sentiment":"neutral","sentiment_score":-0.05318679935520604,"num_words":21,"start":3111.395,"end":3140.665},{"sentences":[{"text":"Look.","start":3140.665,"end":3141.165,"sentiment":"neutral","sentiment_score":-0.00683722086250782},{"text":"I think we're on the less yeah.","start":3141.545,"end":3146.425,"sentiment":"neutral","sentiment_score":-0.010160968638956547},{"text":"Risk less risky of of it, I suppose.","start":3146.425,"end":3149.09,"sentiment":"neutral","sentiment_score":-0.024137861095368862},{"text":"Okay.","start":3154.9102,"end":3155.4102,"sentiment":"neutral","sentiment_score":0.01632183976471424},{"text":"Probably.","start":3155.6301,"end":3156.1301,"sentiment":"neutral","sentiment_score":0.00796752329915762}],"sentiment":"neutral","sentiment_score":-0.013709862613015704,"num_words":18,"start":3140.665,"end":3156.1301},{"sentences":[{"text":"I guess 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understand some years would be down and and and that too.","start":3389.02,"end":3392.735,"sentiment":"neutral","sentiment_score":-0.11903362069278955}],"sentiment":"neutral","sentiment_score":-0.07720219447380966,"num_words":18,"start":3375.935,"end":3392.735},{"sentences":[{"text":"And obviously, with what's going on with the world too, that doesn't it's not gonna help, obviously.","start":3392.735,"end":3397.3152,"sentiment":"neutral","sentiment_score":-0.19707092883832314},{"text":"So I guess, yeah, it'd be nice to see a bigger growth, but, no, look, it is what it is, I suppose.","start":3397.455,"end":3405.3152,"sentiment":"neutral","sentiment_score":0.09288065270944075},{"text":"So, yeah, I think oh, no.","start":3405.455,"end":3410.56,"sentiment":"neutral","sentiment_score":0.03761729225516319},{"text":"I I think I guess I I guess and everyone else is in the same boat too.","start":3410.56,"end":3415.52,"sentiment":"neutral","sentiment_score":-0.05360353847636896},{"text":"So, yeah, can't really do too much about it, to be 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good.","start":3683.75,"end":3687.6702,"sentiment":"neutral","sentiment_score":-0.06172014772891998},{"text":"Yeah.","start":3687.6702,"end":3688.1702,"sentiment":"neutral","sentiment_score":0.0792943462729454}],"sentiment":"neutral","sentiment_score":-0.051552545900146164,"num_words":6,"start":3660.31,"end":3688.1702},{"sentences":[{"text":"Yeah.","start":3688.79,"end":3688.9502,"sentiment":"neutral","sentiment_score":0.16754162311553955},{"text":"Nice.","start":3688.9502,"end":3689.4502,"sentiment":"positive","sentiment_score":0.39354848861694336},{"text":"Oh, that's good.","start":3690.1501,"end":3690.9502,"sentiment":"neutral","sentiment_score":0.3064430256684621},{"text":"That's that's brighten up your afternoon a bit for me.","start":3690.9502,"end":3694.33,"sentiment":"neutral","sentiment_score":0.09605372119694948},{"text":"Yeah.","start":3712.89,"end":3713.39,"sentiment":"neutral","sentiment_score":-0.013606571592390536}],"sentiment":"neutral","sentiment_score":0.15170936431968585,"num_words":16,"start":3688.79,"end":3713.39},{"sentences":[{"text":"Yeah.","start":3715.29,"end":3715.77,"sentiment":"neutral","sentiment_score":-0.006624347530305386},{"text":"Probably probably more the investments, I suppose.","start":3715.77,"end":3718.57,"sentiment":"neutral","sentiment_score":-0.041928094678691456},{"text":"It'd be nice to knock them down.","start":3718.57,"end":3720.59,"sentiment":"neutral","sentiment_score":-0.02330700308084488},{"text":"But it's it's one of those things.","start":3721.3699,"end":3722.89,"sentiment":"neutral","sentiment_score":0.03566780739596912},{"text":"It's a six seven, isn't it?","start":3722.89,"end":3724.09,"sentiment":"neutral","sentiment_score":-0.0010036763657505314}],"sentiment":"neutral","sentiment_score":-0.007843479938206397,"num_words":28,"start":3715.29,"end":3724.09},{"sentences":[{"text":"That's, yeah, do you put more in the super or yeah.","start":3724.09,"end":3727.345,"sentiment":"neutral","sentiment_score":0.04162841544232585},{"text":"Is it you put it in the super or yeah.","start":3727.345,"end":3730.145,"sentiment":"neutral","sentiment_score":0.07862230390310287},{"text":"And and hopefully, it's got good growth, or do you put it into the properties and hopefully, there's good growth in that.","start":3730.145,"end":3736.065,"sentiment":"positive","sentiment_score":0.35862621665000916},{"text":"So I don't know.","start":3736.065,"end":3736.9448,"sentiment":"neutral","sentiment_score":-0.03894853871315718},{"text":"I kinda see that the I've got a bid in nature, you know, a bid in nature, I suppose.","start":3736.9448,"end":3743.29,"sentiment":"neutral","sentiment_score":0.03380653512124952}],"sentiment":"neutral","sentiment_score":0.14576427860072616,"num_words":66,"start":3724.09,"end":3743.29},{"sentences":[{"text":"So yeah.","start":3743.43,"end":3744.8098,"sentiment":"neutral","sentiment_score":0.14847038686275482},{"text":"Yeah.","start":3765.055,"end":3765.555,"sentiment":"neutral","sentiment_score":0.2776743769645691},{"text":"Yes.","start":3775.1702,"end":3775.6702,"sentiment":"neutral","sentiment_score":0.06458601355552673},{"text":"Yeah.","start":3784.525,"end":3785.025,"sentiment":"neutral","sentiment_score":0.15917153656482697},{"text":"Cool.","start":3798.1401,"end":3798.6401,"sentiment":"positive","sentiment_score":0.35587599873542786}],"sentiment":"neutral","sentiment_score":0.19237478325764337,"num_words":6,"start":3743.43,"end":3798.6401},{"sentences":[{"text":"Cool.","start":3799.26,"end":3799.5,"sentiment":"neutral","sentiment_score":0.30907517671585083},{"text":"No worries.","start":3799.5,"end":3800.32,"sentiment":"neutral","sentiment_score":0.3053414672613144},{"text":"Yep.","start":3815.4749,"end":3815.9749,"sentiment":"neutral","sentiment_score":0.03892087936401367},{"text":"Yes.","start":3816.1948,"end":3816.515,"sentiment":"neutral","sentiment_score":0.06629684567451477},{"text":"It usually is.","start":3816.515,"end":3817.555,"sentiment":"neutral","sentiment_score":0.0759239283700784}],"sentiment":"neutral","sentiment_score":0.1565934526734054,"num_words":8,"start":3799.26,"end":3817.555},{"sentences":[{"text":"Yes.","start":3817.555,"end":3818.055,"sentiment":"neutral","sentiment_score":0.05323214083909989},{"text":"Yeah.","start":3818.115,"end":3818.355,"sentiment":"neutral","sentiment_score":0.043338894844055176},{"text":"Yep.","start":3818.355,"end":3818.855,"sentiment":"neutral","sentiment_score":0.025397688150405884},{"text":"Let me see.","start":3837.595,"end":3838.635,"sentiment":"neutral","sentiment_score":0.025986262286702793},{"text":"I'll just try.","start":3838.635,"end":3839.535,"sentiment":"neutral","sentiment_score":0.02614353100458781}],"sentiment":"neutral","sentiment_score":0.03092867818971475,"num_words":9,"start":3817.555,"end":3839.535},{"sentences":[{"text":"Gymnaut.","start":3839.675,"end":3840.175,"sentiment":"neutral","sentiment_score":0.12683680653572085},{"text":"Gymnaut.","start":3840.2349,"end":3840.7349,"sentiment":"neutral","sentiment_score":0.13964080810546875},{"text":"Yes.","start":3841.835,"end":3842.155,"sentiment":"neutral","sentiment_score":0.27203568816185},{"text":"I think they were working good.","start":3842.155,"end":3843.675,"sentiment":"positive","sentiment_score":0.427680825193723},{"text":"Yes.","start":3843.675,"end":3844.175,"sentiment":"neutral","sentiment_score":0.28620415925979614}],"sentiment":"positive","sentiment_score":0.3390802413225174,"num_words":10,"start":3839.675,"end":3844.175},{"sentences":[{"text":"Yep.","start":3853.05,"end":3853.55,"sentiment":"neutral","sentiment_score":0.19649025797843933},{"text":"Those questions will I need what would I would I would these questions be things that I will know straight up or is it something that I won't have to yep.","start":3862.17,"end":3871.785,"sentiment":"neutral","sentiment_score":0.014397992977812406},{"text":"Yep.","start":3876.565,"end":3876.99,"sentiment":"neutral","sentiment_score":0.08266216516494751},{"text":"Yep.","start":3884.91,"end":3885.41,"sentiment":"neutral","sentiment_score":0.03947242349386215},{"text":"Yeah.","start":3885.8699,"end":3886.19,"sentiment":"neutral","sentiment_score":0.06231551617383957}],"sentiment":"neutral","sentiment_score":0.02363651843209352,"num_words":35,"start":3853.05,"end":3886.19},{"sentences":[{"text":"Okay.","start":3886.19,"end":3886.69,"sentiment":"neutral","sentiment_score":0.010721175000071526},{"text":"Mhmm.","start":3890.51,"end":3891.01,"sentiment":"neutral","sentiment_score":-0.0015592603012919426},{"text":"That's alright.","start":3891.935,"end":3892.7349,"sentiment":"neutral","sentiment_score":-0.00180366775020957},{"text":"That should should be easy then.","start":3892.7349,"end":3894.435,"sentiment":"neutral","sentiment_score":-0.07292927553256352},{"text":"Yeah.","start":3895.455,"end":3895.955,"sentiment":"neutral","sentiment_score":0.012345477007329464}],"sentiment":"neutral","sentiment_score":-0.03815232699906284,"num_words":11,"start":3886.19,"end":3895.955},{"sentences":[{"text":"Yeah.","start":3904.575,"end":3904.975,"sentiment":"neutral","sentiment_score":0.2048923373222351},{"text":"Thank you.","start":3904.975,"end":3905.715,"sentiment":"positive","sentiment_score":0.39271900057792664},{"text":"Easy done.","start":3907.4202,"end":3908.1401,"sentiment":"positive","sentiment_score":0.338078036904335},{"text":"Alright.","start":3908.1401,"end":3908.46,"sentiment":"neutral","sentiment_score":0.26022839546203613},{"text":"Much very much appreciated.","start":3908.46,"end":3909.6802,"sentiment":"positive","sentiment_score":0.49356985092163086}],"sentiment":"positive","sentiment_score":0.3900994211435318,"num_words":10,"start":3904.575,"end":3909.6802},{"sentences":[{"text":"Thank you very much.","start":3909.74,"end":3910.557,"sentiment":"neutral","sentiment_score":0.2443951815366745},{"text":"No worries.","start":3913.7568,"end":3914.4968,"sentiment":"neutral","sentiment_score":0.16165318340063095},{"text":"You too.","start":3914.557,"end":3915.117,"sentiment":"neutral","sentiment_score":0.13122371584177017},{"text":"You too when you get there.","start":3915.117,"end":3916.577,"sentiment":"neutral","sentiment_score":0.14958528180917105},{"text":"K.","start":3917.0369,"end":3917.5369,"sentiment":"neutral","sentiment_score":0.09355255961418152}],"sentiment":"neutral","sentiment_score":0.17029325167338052,"num_words":15,"start":3909.74,"end":3917.5369},{"sentences":[{"text":"See you.","start":3919.5168,"end":3919.837,"sentiment":"neutral","sentiment_score":0.18866956233978271},{"text":"Bye.","start":3919.837,"end":3920.337,"sentiment":"neutral","sentiment_score":0.13967245817184448}],"sentiment":"neutral","sentiment_score":0.1723371942838033,"num_words":3,"start":3919.5168,"end":3920.337}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Daniel. It's Zaina from OQ Financial. How are you this afternoon?\n\nChannel 1: I'm on well, no. Don't ask me that today. Thanks. It hasn't\n\nChannel 0: No.\n\nChannel 1: been a good one. So, yeah,\n\nChannel 0: I'm\n\nChannel 1: we'll leave it\n\nChannel 0: so\n\nChannel 1: at that. Yeah.\n\nChannel 0: yeah. I'm so sorry to hear that. Daniel,\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: okay. It's like nature of the beast sometimes. So yeah.\n\nChannel 0: absolutely. Look. Tomorrow is a brand new day. Hopefully, it's better for you.\n\nChannel 1: We'll see about that, but that's okay. Yeah.\n\nChannel 0: Yeah. All good. Daniel, I did have it booked in to go through your annual review this afternoon. Is now still a good time there for you?\n\nChannel 1: Well, look, it's not considering, but I'm gonna make an effort big effort because I've already\n\nChannel 0: Yeah.\n\nChannel 1: knocked it off a couple of times already. So\n\nChannel 0: That's\n\nChannel 1: because\n\nChannel 0: that's\n\nChannel 1: of\n\nChannel 0: okay.\n\nChannel 1: things going on. So, yeah,\n\nChannel 0: Not\n\nChannel 1: sometimes\n\nChannel 0: that's\n\nChannel 1: we we\n\nChannel 0: honestly,\n\nChannel 1: got\n\nChannel 0: yeah, look,\n\nChannel 1: I've made\n\nChannel 0: honest okay.\n\nChannel 1: yeah.\n\nChannel 0: If you if it's not a good time for you, I do not mind. I'm happy to work around your schedule. If you do have time to run through a status, absolutely fine. I don't wanna sort of make your day worse if if you're going through quite a lot, but at the same time, doing a new review might take your mind off of it. So how would you like to sort of proceed?\n\nWhat would you like me to do?\n\nChannel 1: Yeah. Look. Let let let us do it because like I said, I've I've already,\n\nChannel 0: Okay.\n\nChannel 1: yeah, I think twice now. I think there was something on twice, I think.\n\nChannel 0: Yep.\n\nChannel 1: And, yeah, I don't wanna do it again. So\n\nChannel 0: That's okay.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely fine. Not a problem at all. Well, I'm trying not to take up too much of your precious time\n\nChannel 1: Yep.\n\nChannel 0: there.\n\nChannel 1: That's okay.\n\nChannel 0: Now we we had sort of sent you originally your annual review docs, and it looks like you have signed them. So I am happy to sort of send you a new copy, but what I'll do is I'll go through and give you an update of your sofa.\n\nChannel 1: Yep.\n\nChannel 0: I have had a bit of a look at things for you, and I can see that there is some advice that we might be able to provide to update for you. So I'll go through what I've been looking at, give\n\nChannel 1: Right.\n\nChannel 0: you an update on things, and then we'll go through and update all of your circumstances as well. Okay?\n\nChannel 1: Yeah. Yeah. Okay. No worries.\n\nChannel 0: Excellent. Lovely. Now before I jump into the call completely, I do have to let you know we do record our call for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Fantastic. And just to do a really quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Yeah. So Daniel Davies, twenty fourth\n\nChannel 0: Yep.\n\nChannel 1: of the fourth seventy seven, and\n\nChannel 0: Yep.\n\nChannel 1: my address is 3 Anvil Road, Jindra.\n\nChannel 0: Fantastic. Thank you so much for that. So, Daniel, just to give you a bit of an update. Now last time when we caught up for your annual review, last year, your balance was around 250,682. Looking at your\n\nChannel 1: Yep.\n\nChannel 0: balance as of the July 8, which is when we updated the documents, you're up to $266,001.44 there. So your balance has increased nicely. I'm just giving you an update because these documents were done about a month ago just to give you an update since then. So from\n\nChannel 1: Yep.\n\nChannel 0: July to now, your balance is now up to 274\n\nChannel 1: Well,\n\nChannel 0: thousand 113. So you've had another increase on\n\nChannel 1: that's\n\nChannel 0: that.\n\nChannel 1: a little\n\nChannel 0: Yeah.\n\nChannel 1: nice little bump, I suppose, for now. Yeah.\n\nChannel 0: It is. It is. Hopefully, we start off with some good news to make it easier for you.\n\nChannel 1: Yeah.\n\nChannel 0: Oh\n\nChannel 1: Yeah. Oh, that helps.\n\nChannel 0: oh, yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, that's good. When I sorta have a look at how your portfolio as a whole has return for the year and net of fees, it does show that your super fund has made, sorry, a\n\nChannel 1: Thanks,\n\nChannel 0: lot\n\nChannel 1: Pat.\n\nChannel 0: much it is a lower return for the year. So it is around 2.97%, but it is wholly because of the market as a whole this year. We have\n\nChannel 1: Yep.\n\nChannel 0: seen a lot of ups and downs because what's been happening between The US and Iran. So that's\n\nChannel 1: Okay.\n\nChannel 0: because it has\n\nChannel 1: It's\n\nChannel 0: had\n\nChannel 1: on the\n\nChannel 0: quite\n\nChannel 1: phone.\n\nChannel 0: an effect on equities\n\nChannel 1: Come\n\nChannel 0: as\n\nChannel 1: on.\n\nChannel 0: a\n\nChannel 1: Get\n\nChannel 0: whole.\n\nChannel 1: in. Thanks. Thanks, guys. Thanks. Sorry.\n\nI was just grabbing my mail while you're talking to me, sir. Yeah. So\n\nChannel 0: No.\n\nChannel 1: it's a half an appointment.\n\nChannel 0: You're you're\n\nChannel 1: So I'll I'll I'll talk I'll talk to you another day. Thank you for letting me in. I just I just the guys just let me in and from\n\nChannel 0: that's\n\nChannel 1: the pick\n\nChannel 0: okay.\n\nChannel 1: up the mail. So sorry about that. Like I\n\nChannel 0: No.\n\nChannel 1: say, I've just\n\nChannel 0: You're\n\nChannel 1: got very much going on. And\n\nChannel 0: fine.\n\nChannel 1: but\n\nChannel 0: You're\n\nChannel 1: I'll be\n\nChannel 0: you're\n\nChannel 1: I'll be\n\nChannel 0: absolutely\n\nChannel 1: right now. I'm with you a 100% now. So\n\nChannel 0: fine. Easy.\n\nChannel 1: yeah.\n\nChannel 0: You honestly, you're absolutely fine. Just tell me to stop if you need me to. It's not an issue at\n\nChannel 1: Yes.\n\nChannel 0: all.\n\nChannel 1: I just\n\nChannel 0: All good.\n\nChannel 1: didn't wanna be rude to my male people.\n\nChannel 0: No. I understand that. That's not a problem at all. When\n\nChannel 1: Yeah.\n\nChannel 0: we sort of have a look so, obviously, your return is a little bit lower than where we would sort of like it to be for the year base that you are in that sort of high growth environment.\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: It's around about 2.97% for the year, so it is a little bit low from where we'd like it to be.\n\nChannel 1: Right.\n\nChannel 0: It is mostly because of what's been happening with the market\n\nChannel 1: Yeah.\n\nChannel 0: as a whole, so between\n\nChannel 1: Yep. Yep.\n\nChannel 0: The US and Iran. But then here in Australia, we've also seen high inflationary rates as well, which also has an effect on on sort of fixed interest and bond rates as well. I have had a look at your portfolio. You have been in a sort of an older portfolio for a while now, and I sorta can see some investments where they might be slightly underperforming where we can certainly make\n\nChannel 1: Right.\n\nChannel 0: some changes there. I would like to, if you're comfortable with, go back to have a really good look at some of the investments within your portfolio, Maybe look at a different portfolio that might give you some, greater growth, and you have some investments that may have been performing a little bit better. But also look at maybe a portfolio that's lower in cost for you, so to keep those investment fees as cheap as possible. Are you happy with me maybe having a look at that for you and updating things?\n\nChannel 1: Sure. I guess. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I suppose if you're gonna make it better. Yeah. For sure.\n\nChannel 0: Yeah. Abs absolutely. And, I mean, one of the things to look at is, well, a portfolio a couple of years back might have been really great for you then. Essentially, having that updated every couple of years or as markets do change is really important because investments do perform well some years. Other years, they may underperform a little bit.\n\nChannel 1: Yep.\n\nChannel 0: One of the investments you do have in your portfolio, which up until sort of now has performed really well, has been the Benelong Australian Equities investment. That\n\nChannel 1: Okay.\n\nChannel 0: at the moment in your portfolio is down a little bit, and it is holding your portfolio back a little bit, which is sort of contributing to the lower rate of return this year. So I would like to remove that underperforming investment and replace it with something else. There are a couple of ways to consider investments within a portfolio. Benelon was originally put in there because it's more of an actively managed fund. So the investment manager within Benelung is trying to outperform against the market and obtain greater returns.\n\nChannel 1: Yep.\n\nChannel 0: Normally, when you have that kind of investment within your portfolio, you pay a little bit more in fees to do so. You pay more investment fees for those sorts of managers.\n\nChannel 1: Yep.\n\nChannel 0: Would you like me to maybe look at swapping that out and reducing the cost a little bit, maybe putting something in its place that's a little bit more passively managed, lower cost, or do you still wanna see some sort of active management in your portfolio? What would you sort of like to see? And if you're not sure, you can ask more questions. That's fine.\n\nChannel 1: I'm really not sure on which way. I guess that's where look. Yeah. Look.\n\nChannel 0: You want\n\nChannel 1: Okay.\n\nChannel 0: us to look at it? Yeah.\n\nChannel 1: Yeah. Because, obviously, I'm not that's why you guy I got you guys,\n\nChannel 0: Yeah.\n\nChannel 1: I guess. So\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: That's okay. That's absolutely fine. And the reason we sorta asked that question is that some people do have a bit of a preference. So some clients do sort of whilst we make the final decision on what to put in the portfolio and update the advice to show you what we recommend, Essentially, some clients do have a preference to have some active management. Some don't want any.\n\nSome just want low cost. So we try to sort of incorporate and build portfolios that incorporates what you would like to see and feel and how you, you know, want to see your funds invested, and we utilize the market and the investors to build portfolios to suit you in that way. But if you're comfortable with it, I can go back and have a look at all the different portfolios. I can look at, you know, tax consequences for your super on on switching. I can look at just rebalancing things.\n\nI can look at all the different options and come up with a portfolio that's showing greater performance for you, might have put you in a better moving forward, might be cheaper for you as well, have more money left in your sleep by working harder for you, and all around, be a much greater portfolio. Would you like me just to look at everything and see what I come up with and just update the recommendations to show you how and what I'm recommending and\n\nChannel 1: Sure, I guess. Yeah. Yep.\n\nChannel 0: why. Yeah. That's okay. Do you have questions? You're welcome to ask me anything if there's something you want me to explain in more detail or breakdown or if you had any additional questions in relation to any of that.\n\nIs there anything you kinda wanted me to break a bit further for you?\n\nChannel 1: Probably should have questions maybe, but, yeah,\n\nChannel 0: If\n\nChannel 1: it's\n\nChannel 0: you don't,\n\nChannel 1: it's\n\nChannel 0: it's\n\nChannel 1: it's\n\nChannel 0: okay.\n\nChannel 1: a whole complex system, I understand. And\n\nChannel 0: It is.\n\nChannel 1: yeah.\n\nChannel 0: It absolutely is. I'd often do find that when we kinda do the annual review, when I sort of suggest going forward and looking and making recommendations, there often aren't a lot of questions there, but sometimes questions do come out when I'm looking at the advice document with you. So if you want, I'll go back. I'll have a look at your goals, look at what sort of portfolio works for you, how, and why. I'll come back and show you the advice document with what I'm recommending, the advantages, the disadvantages, and the risks involved.\n\nAnd then if you have questions when you're looking at that, that way you can sort of ask questions about the portfolio, what I'm recommending, and all that sort of thing. You're welcome to ask additional questions later. Does that sound okay with you? Would you be\n\nChannel 1: Yeah.\n\nChannel 0: comfortable\n\nChannel 1: Sure.\n\nChannel 0: with that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah. Yep. That sounds good.\n\nChannel 0: Beautiful. And, look, if anything does come up question wise, but from now to when we go through the advice document, you can always give us a call, send me an email, or just contact us. I'll make time to answer those questions. I know sometimes when you put on the spot questions just don't pop up, but later on, you might be sort of running through the conversation or, you know, having a think about what we've gone through and something may pop into your mind that you wanna ask. So feel free to write it down or give us just contact us, and I'll happily make time to talk you through it.\n\nOkay?\n\nChannel 1: Hey. Thank you.\n\nChannel 0: That's okay. Not a problem at all. So the next thing to sort of touch on there is your insurances.\n\nChannel 1: Yep.\n\nChannel 0: Security here. So you've got some insurances that are paid out of your super. You've essentially got your life cover and your TBD. Now having a look at the file notes I have from previous conversations with our team, it looks like with your TBD definitions, you've got what's called ADL. It's activities of daily living.\n\nEssentially, when you think about TBD,\n\nChannel 1: Mhmm.\n\nChannel 0: which is total permanent incapacity, it means you can never go back to work again.\n\nChannel 1: Yep.\n\nChannel 0: There are three main definitions that you can be insured for. One is your own occupation. That is, as you can imagine, the easiest the easiest sort of definition to claim on. It just means you never have to be able to go back to work in any occupation for which you are have worked prior to the disability. They have an any occupation definition, which means you to claim, you need to be never able to go back to work again for occupation which you have worked or educated or trained to have done.\n\nChannel 1: Mhmm.\n\nChannel 0: And then they have an ADL definition, which is activities of daily living. This is often provided to clients who have a very risky occupation, have major health issues, and are just not able to get an any or own occupation definition. And it means that in order for you to claim on the the total permanent disability insurance that you have, you'll need to meet two to three of the five activities of daily living. That's things like feeding yourself, dressing yourself, driving yourself around, you know, getting in and out of bed, showering and toileting, and things like that. So it is a\n\nChannel 1: Mhmm.\n\nChannel 0: much harder definition to sort of claim on. What I wanted to sort of look at doing was finding out a bit more about where this definition came from. I had a bit of a look through your file, and I can see it was originally recommended as this. I believe it's got something to do I've been trying to sort of go through your file and find out why you've had that definition provided to you, and I haven't been able to come up with an actual answer at the moment there.\n\nChannel 1: Okay.\n\nChannel 0: But do you remember having that conversation with anyone in the past about the insurance insurance that you're applying for? Does that ring a bell at\n\nChannel 1: No.\n\nChannel 0: all?\n\nChannel 1: I don't, actually.\n\nChannel 0: No?\n\nChannel 1: Yeah. Not no. Nothing's springing to mind at the moment.\n\nChannel 0: No. That's okay. That's alright. I'm just going to, while we're chatting, just kinda go back and have a look to see if anything kinda comes out because I went through your file, and I just couldn't see the main reason behind it there. But just to sort of touch on your occupation, what is it occupation, what is it you actually do for work?\n\nSo I've got you down here as a maintenance team leader. Is that right?\n\nChannel 1: Pretty much. Yeah. I'm act I'm doing an act yeah. It's it's my role at the moment. I'm doing an acting supervisor role at the moment.\n\nBut\n\nChannel 0: Right.\n\nChannel 1: yeah. But yes. That's that is pretty much yeah. I'm a bridge and drainage ganger, for for a council.\n\nChannel 0: Right. And so so what does your day to day tasks look like in your role? What would you normally be doing on a day to day basis?\n\nChannel 1: Well, if I'm talking right now, as being a supervisor, I'm spending a favor of the time in the office\n\nChannel 0: Yeah.\n\nChannel 1: and and on the phone. But as a bridge and drainage, I would be on-site, you know,\n\nChannel 0: Yep.\n\nChannel 1: repairing drains and and all that with equipment. So\n\nChannel 0: Right. Okay. So it's a fairly much more of a laboring sort of role there. You don't do any hikes or work explosives or underground or anything at all, do you?\n\nChannel 1: No. No.\n\nChannel 0: No. That's okay. I would like to go back to see if there's any possibility of maybe updating your insurances. Are you open with me doing a little bit of extra research around the definition of PPD and seeing if we're able to get anything additional for you? That might be I mean, I think one of the biggest things when you've got insurances, you if you're gonna be paying for these, especially out of your sleep, you wanna make sure you're able to claim on that cover.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yeah. That's\n\nChannel 0: because this this sort of definition\n\nChannel 1: right.\n\nChannel 0: is much harder to claim on, as you can imagine, to be able to meet the condition of not being able to do, say, two to three of the five activities of daily living, you have to be pretty well bedridden or disabled. So it means it's very\n\nChannel 1: Yeah.\n\nChannel 0: much a\n\nChannel 1: Don't\n\nChannel 0: hard definition to claim\n\nChannel 1: ever\n\nChannel 0: on.\n\nChannel 1: want that\n\nChannel 0: Yeah.\n\nChannel 1: to happen.\n\nChannel 0: No.\n\nChannel 1: But yeah.\n\nChannel 0: No.\n\nChannel 1: Well,\n\nChannel 0: Correct.\n\nChannel 1: look. The the only thing I can think of is do I had to do a medical or something, I think. Was that correct?\n\nChannel 0: Yeah. You absolutely\n\nChannel 1: Yes. So\n\nChannel 0: would've had to answer\n\nChannel 1: yep.\n\nChannel 0: medical questions and possibly\n\nChannel 1: Yes.\n\nChannel 0: do a medical. Yeah.\n\nChannel 1: Yep. So I think I'm just on a I probably don't even have to. I could probably update that. Maybe. We'll see.\n\nBut\n\nChannel 0: Yeah.\n\nChannel 1: I'm on a low dose of for high blood pressure, which, you know, I\n\nChannel 0: Right.\n\nChannel 1: I do I do plasma every fortnight, and my blood pressure's pretty good. So but I am on a low dose of a blood pressure tablet, and I do take an antidepressant like\n\nChannel 0: Right.\n\nChannel 1: a yeah. So that's probably\n\nChannel 0: Okay.\n\nChannel 1: maybe because that's come to mind now, I guess. Now I think about\n\nChannel 0: Yeah. I mean, realistically, when you sort of look at insurances, being on antidepressants and having mental health, it looks like you've also got a mental health exclusion on the policy, and that would be fairly normal. But, generally, whenever because mental health is one of the biggest things that our claim for, especially disability cover, they do add mental health\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: exclusions under the policy there. So I could see that being a factor. But what I'll probably do, if you're comfortable with it, after the call, I'll book in a time for you to do maybe an updated pre assessment with one of my lovely admin team members. As part of\n\nChannel 1: Right.\n\nChannel 0: updating your advice document, I can go back and review your insurances and look to see whether we can obtain a better definition for you. Are you comfortable with me looking at that?\n\nChannel 1: Suppose if it helps you out. Yeah. Sure.\n\nChannel 0: Yeah. Yeah. Absolutely. A pre assessment is just a bit more detail around your health. My admin will give you a call.\n\nTakes about five to ten minutes. They just go through and ask a few more in-depth questions about your health, about your family history, and about your work and occupation there, and then I take all of that back to the different insurers out there. I'll do what's called a blind pre assessment with them. So they don't know anything about you except\n\nChannel 1: Yep.\n\nChannel 0: except for what's in that pre assessment. They know don't know who you are. They just say you're a male of a certain age, and these are the conditions that you've disclosed. And then we ask them to come back with what kind of contracts they might have on offer. And\n\nChannel 1: Mhmm.\n\nChannel 0: then we can go to the plan and come back and say, well, look. We can update your definition and look at this amount of cover. This is the contract that would be on offer. This is what we're expecting out of the application. Are you comfortable doing that?\n\nWe also show you the cost of it, so how it affects your super because you've got insurances paid out of super. We know that the more you pay for insurances, the less you end up at retirement. It does have an effect on your long term retirement because you're paying for out of your super funds. So we\n\nChannel 1: Yep.\n\nChannel 0: show you that as part of the projected outcome of what this looks like for you, how this is projected forward over the next five to ten years towards your retirement goals, and then we continue to review that for you.\n\nChannel 1: Is this\n\nChannel 0: Admittedly,\n\nChannel 1: something\n\nChannel 0: if\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: I need to have?\n\nChannel 0: you're right. So\n\nChannel 1: Sorry. Is this something\n\nChannel 0: that's\n\nChannel 1: I I need to have, this insurance?\n\nChannel 0: that's\n\nChannel 1: Or\n\nChannel 0: the well, that's the other thing it comes down to. Is it important to you? So when we have life insurance and even TBD insurance, we're generally wanting to make sure we have a certain level of cover in the event that something happens to us. So\n\nChannel 1: Mhmm.\n\nChannel 0: to go through the different levels of cover you have at the moment, you've got life cover showing a sum or a sum insured of 701,984, plus you've also got your super balance there of about 274,000. So if we look at this in a way that of a claim, if I add them together, if you were to pass away today with your life benefit of that $701.09 $8.04 plus your super benefit paid out, your beneficiary could receive a lump sum of a bit over 975,000.\n\nChannel 1: Well,\n\nChannel 0: If\n\nChannel 1: she'd love\n\nChannel 0: you\n\nChannel 1: that.\n\nChannel 0: were to\n\nChannel 1: She just pulled up\n\nChannel 0: it's\n\nChannel 1: beside me. Actually, I'm sitting in the car still in the garage. She's\n\nChannel 0: lovely.\n\nChannel 1: pulled up\n\nChannel 0: Well\n\nChannel 1: beside\n\nChannel 0: and\n\nChannel 1: me.\n\nChannel 0: I don't wanna\n\nChannel 1: Don't\n\nChannel 0: give any\n\nChannel 1: don't\n\nChannel 0: ideas there, but\n\nChannel 1: yeah. Don't don't say it too loud.\n\nChannel 0: just sort of confirming, like, if you were to pass away today, are you wanting that to be paid out to Kylie? So Kylie is your wife. Is that right?\n\nChannel 1: Yes. Yeah. Well, look,\n\nChannel 0: Yeah.\n\nChannel 1: to be honest, yeah, I probably would, I guess. So yeah.\n\nChannel 0: Yep. And\n\nChannel 1: Yep.\n\nChannel 0: when you think about what that will cover, so I've got down here that you've got your main primary residence and that you've also got an investment property. If you\n\nChannel 1: Yes.\n\nChannel 0: think about this amount of cover and what that could do for her\n\nChannel 1: Absolutely.\n\nChannel 0: now just\n\nChannel 1: Yeah.\n\nChannel 0: double checking\n\nChannel 1: That's\n\nChannel 0: the debt level. Sorry.\n\nChannel 1: that's\n\nChannel 0: You're right.\n\nChannel 1: that's that's kind of what I was saying because we do have two investment properties now. Maybe I don't know if it's a good\n\nChannel 0: Right.\n\nChannel 1: idea or not, but,\n\nChannel 0: That's\n\nChannel 1: yeah,\n\nChannel 0: okay.\n\nChannel 1: they're only early in the scene. So\n\nChannel 0: Yeah. No. That's absolutely fine. So you've got two investment properties now.\n\nChannel 1: yep.\n\nChannel 0: Now just double checking the debt levels for you. So your main primary residence, we had a an a loan owing on that with a 400,000 last year. Do you still owe the same amount, or have you reduced that loan a little bit?\n\nChannel 1: On which one on that investment?\n\nChannel 0: No. The main primary residence,\n\nChannel 1: Oh,\n\nChannel 0: so where\n\nChannel 1: no.\n\nChannel 0: you're\n\nChannel 1: No.\n\nChannel 0: living.\n\nChannel 1: We\n\nChannel 0: Yeah.\n\nChannel 1: we own our we own our place. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So no debt on that property. Now\n\nChannel 1: No\n\nChannel 0: I've got\n\nChannel 1: bid on\n\nChannel 0: your\n\nChannel 1: that.\n\nChannel 0: the older investment property that you owned last year when we did the under review, again, I had a debt owing of 400,000. What do you owe on that investment property?\n\nChannel 1: I'm actually having a quick look now, to be honest, because\n\nChannel 0: That's\n\nChannel 1: I wouldn't\n\nChannel 0: okay.\n\nChannel 1: have a clue. It's four yeah.\n\nChannel 0: You're\n\nChannel 1: It's\n\nChannel 0: right.\n\nChannel 1: about 400And35.\n\nChannel 0: 400And35000.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. And can I just ask as well what suburb is that\n\nChannel 1: Yep.\n\nChannel 0: in just so I can allocate which property\n\nChannel 1: It's\n\nChannel 0: is which?\n\nChannel 1: it's in Werribee.\n\nChannel 0: Werribee Beautiful. Thank\n\nChannel 1: Yep.\n\nChannel 0: you for that. And it was about 435,000, you said, owing on that one.\n\nChannel 1: Yes. Yep. I probably\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: And\n\nChannel 1: don't know. It was I don't know what I told you this last time, but it must might have been a guess maybe. I don't know. But yeah.\n\nChannel 0: that's that's absolutely fine. It's not a problem at all. And the secondary investment property, the new one that you have, what suburb is that located\n\nChannel 1: So it's Clyde North. It's in melt down Melbourne\n\nChannel 0: in? Glass North.\n\nChannel 1: Way. Clyde\n\nChannel 0: Yep.\n\nChannel 1: North. Yep.\n\nChannel 0: Beautiful. And what sort of debt do you have on that property currently?\n\nChannel 1: Yeah. A bit more than the other one. It's\n\nChannel 0: Yeah.\n\nChannel 1: 693, I will say.\n\nChannel 0: Okay. Beautiful. Now if we had a look at that 975,000 if you were to pass away today and\n\nChannel 1: Absolutely.\n\nChannel 0: we say try to pay off as much of those loans\n\nChannel 1: That's\n\nChannel 0: as possible,\n\nChannel 1: true. That's well, I was calling to think about when you said that. I mean, I was thinking, well, I nearly I'll owe that bit or a bit more anyway. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: So paying off the property with the 435 owing, that essentially leaves 540,000. So it doesn't quite pay off the other property, but you could pay off one or each of the property like, one of the properties,\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Absolutely.\n\nChannel 0: would leave her with one investment property generating income for support and then maybe a little bit of extra money left over.\n\nChannel 1: Yeah.\n\nChannel 0: Or if she, you know, needed to pay off that, say, we've got $9.63 and we've 540,000, it would leave, sorry, $6.93. $6.93 minus 540,000. It would essentially leave a debt of about 153,000 if she used a lot money to pay off as much of both those properties as possible. But then\n\nChannel 1: Yeah.\n\nChannel 0: if she sort of wanted to keep those, they could be producing rental income to support her long term.\n\nChannel 1: Oh, absolutely.\n\nChannel 0: When\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So do\n\nChannel 1: Yep.\n\nChannel 0: you feel like being covered for that 701,984 for your life insurance is suitable knowing your super balance is paid on top of that to support, or would do you feel like you would like to have a little bit more life cover? What's how do you feel\n\nChannel 1: Look. Don't think I don't believe I'm worth that much money, but I no. I think that's fine.\n\nChannel 0: about that?\n\nChannel 1: Look.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: Yeah. Worst comes the worst. If something ever happens to me, Carla could sell the properties in it. Yeah. She could yeah.\n\nOr one of them at least. Yeah. That that\n\nChannel 0: Yep. Yep.\n\nChannel 1: yeah. And she'd be still fine. So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: That's definitely another option where she could, you know, pay off one of the properties, sell the other one, clear\n\nChannel 1: Yep.\n\nChannel 0: the debt, and have a little bit left over\n\nChannel 1: Absolutely.\n\nChannel 0: from maybe the sale of the property plus a bit of life cover to support and provide her with additional income moving forward.\n\nChannel 1: Yeah.\n\nChannel 0: Can I ask, does Kylie work as well?\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: Yes.\n\nChannel 0: she\n\nChannel 1: Yeah.\n\nChannel 0: working?\n\nChannel 1: Well, that\n\nChannel 0: Yep.\n\nChannel 1: should be should be self sufficient anyway. So\n\nChannel 0: Working. Beautiful. Self sufficient. Excellent. And with the type of cover you do have as well, it is indexed every year, which basically means that every year that the policy goes through a renewal, it increases, but the sum insured is increased a little bit.\n\nSo it's indexed along with CPI.\n\nChannel 1: Okay.\n\nChannel 0: So you do get a the cover increases every year a little bit. It does mean that you do pay a bit more for the cover because the premium also increases. But\n\nChannel 1: Mhmm.\n\nChannel 0: it does mean you get a little bit of extra cover each year for your life. And it's, without there's no additional underwriting in in that additional cover. So it does kind of help a little bit to know that, you know, if you didn't claim for the next five years, the amount you're covered for with your life cover would be increasing over that next five years. So, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: she could end up with a bit more money the longer you're, you know, living and not claiming on that cover. Yeah. Excellent.\n\nChannel 1: I'm\n\nChannel 0: Well,\n\nChannel 1: I'm nearly\n\nChannel 0: we'll leave\n\nChannel 1: 50,\n\nChannel 0: you\n\nChannel 1: and I I feel that I'm I'm a bit more immediate. So\n\nChannel 0: oh, absolutely. I want you to get through retirement and enjoy\n\nChannel 1: Yeah.\n\nChannel 0: those years. I don't\n\nChannel 1: It'd\n\nChannel 0: want\n\nChannel 1: be\n\nChannel 0: anything\n\nChannel 1: nice.\n\nChannel 0: to happen to you. All good. So your life cover's comfortable. We're happy to leave that as is for the moment. Now you have the same level of TBD, but as I kinda went through before, you have that, ADL definition, which makes it very difficult to claim on.\n\nSo I do wanna go back and just do that\n\nChannel 1: Mhmm.\n\nChannel 0: pre assessment with you, get that booked in for you, and do some research around the policy. If I find I can't update the definition,\n\nChannel 1: Yep.\n\nChannel 0: I'll come back and have that conversation with you. I'll tell you the reason why and what we need to look at there. But the main reason we have TBD insurance is that it's total permanent disability, and it sort of pays out either a lump sum benefit or an income stream if we can never go back to work again. So due to major disability that under your definitions for this cover, mean that you need help eating, driving, dressing, bathing, going to the toilet. So you can imagine, in that sort of circumstance, it would be quite drastic.\n\nYou would need to maybe pay for care, have modifications to the home, maybe purchase a new car, or maybe, you know, if if highly needed to still go to work, have someone to help you dress and take care of you through the day. So that's essentially why we hold disability insurance. You have the same level of TPD that you have left, the 701,000. And if you were ever claiming on total incapacity, we can also claim against your super benefits. So you can also get your super paid out in that instance as well.\n\nIt's just\n\nChannel 1: Yep.\n\nChannel 0: that this definition you have is very hard to claim on. So are you comfortable with me going back? Did you wanna keep TBD, and did you want me to go back and look at the definitions and see what kind of TBD?\n\nChannel 1: Oh, I don't know. I don't even know if do I really should I really need it? Like, it's, yeah, it's a I know it's a yeah. Look. You can look into it, I suppose.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Absolutely. Well, what I can do if you like is I'll I'll after the call, I'll book you in for my admin team to give you a call one afternoon and run\n\nChannel 1: Mhmm.\n\nChannel 0: through a quick pre assessment. I can then take the information back, and I'll correlate that with everything I can find. And I'll look at what kind of TBD might be available to you. If I am able to find a better definition and put you in a better position and give you a better level of cover, I can keep it exactly at the same level of cover as what you have for life, but I can make the recommendations, show you how that affects you, show you what's on offer, the advantages, the disadvantages, the risks involved, and then you get to decide whether you take that or not. It's really important to note that when we provide advice, we're providing you with the recommendations.\n\nYou\n\nChannel 1: Mhmm.\n\nChannel 0: get to decide whether you take those recommendations or not. You're more than welcome to say, I wanna take all the advice, none of it, or just some of it. It's completely your decision.\n\nChannel 1: Yeah.\n\nChannel 0: Does that\n\nChannel 1: So,\n\nChannel 0: sound okay with\n\nChannel 1: obviously,\n\nChannel 0: you?\n\nChannel 1: that was a recommendation, and I would have agreed to it, I suppose, originally\n\nChannel 0: It\n\nChannel 1: too. So\n\nChannel 0: it\n\nChannel 1: yeah.\n\nChannel 0: looks\n\nChannel 1: Yep.\n\nChannel 0: like that might have been. It does look like in the original advice piece, there was a bit of an error. So from what I can see here, the original advice had recommended had recommended the any occupation definition, but it looks like the quote that was provided was the ADL definition. So they applied for this definition of PVD, but the document had it noted that it wasn't any occupation. So I've been sort of going through the file looking over the last couple of years to see where the disconnect was and what actually was happening, and I just kinda can't find it exactly.\n\nSo so I'll go back and review it. I'm also gonna send this through to our head of advice for remediation actions. She'll go back through and investigate what happened, how it all came about. And if there's any kind of remediation that we need to make, we'll make sure we do that. But I would like to just make sure that you have the best definitions of TBD and that you know what it is that you're insured for so you know how to claim if that was to ever become a possibility.\n\nHow\n\nChannel 1: Yep.\n\nChannel 0: does that sound, and do you have any questions?\n\nChannel 1: That is pretty good, I think.\n\nChannel 0: That sounds\n\nChannel 1: Yes.\n\nChannel 0: good.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. There may be questions later. I do fully understand that when I have these conversations, they can be a lot. I go through a lot of information, so please tell me if you need me to slow down, break it down, or just stop.\n\nChannel 1: Yep. No. No. Usually, I always think of something lighter. So yeah.\n\nIf\n\nChannel 0: That's\n\nChannel 1: if there\n\nChannel 0: okay.\n\nChannel 1: is anything. So\n\nChannel 0: Absolutely. What I'll even do for you, Daniel, is I'll send you an email after the call. That way, you've got my direct email. If you\n\nChannel 1: yep.\n\nChannel 0: find you have any additional questions, you can email me to ask me or you can call us.\n\nChannel 1: Yep.\n\nChannel 0: And then because I'm also gonna book in a pre assessment, when my admin team member gives you a call to go through that, if you find you have extra questions, I'll make sure I'm available then for you as well. Okay?\n\nChannel 1: Okay. Cool.\n\nChannel 0: Then fantastic. Now just the other sorts of insurances that you don't have at the moment are income protection and trauma. Now has anyone ever discussed those types of personal insurances with you in the past, or do you know how those types of covers work at all?\n\nChannel 1: Geez. I don't know. I don't think so. Maybe they haven't.\n\nChannel 0: That's okay.\n\nChannel 1: I haven't really thought about it since that.\n\nChannel 0: No. That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: yeah.\n\nChannel 0: It's honestly fine. So there are four types of personal insurances that advisers generally do advise on. You've got life cover, total permanent disability cover, income protection, and trauma. It looks like you've only got life and TPD at the moment. You\n\nChannel 1: Hello?\n\nChannel 0: don't have any income protection. So income protection, if you apply for it, can pay out a monthly benefit. Under legislative, they only pay up to 70% of your your gross income, a pretax\n\nChannel 1: Mhmm.\n\nChannel 0: income, on a monthly basis to help cover short term expenses in the event that you're unable to go to work.\n\nChannel 1: Yep.\n\nChannel 0: Income protection normally is the first thing we claim on because you have investment properties. Essentially, an income protection claim, if you were to claim on the benefit, they would ask you for your payslips to look at how much you were earning prior to you being off work and due to illness or injury. And then they would also ask for, like, tax returns to show what other kind of income that you are able to receive. So as\n\nChannel 1: Yeah.\n\nChannel 0: an example, if you were, say, earning, you know, $5,000 on a monthly basis there, they would get your pay slips to show your monthly income and how that looks pre disability. They'd also ask for your tax returns and see what your investment properties were earning as well. So they would then take what you were earning prior minus any income that you can continue to earn whilst you're off work, and then they subtract that back to work out what you're able to actually receive. One\n\nChannel 1: Uh-huh.\n\nChannel 0: of the things, income protection when you are older, I'm open and honest with you, can be quite expensive. It is because it's the first thing we claim on is 90% of your insurance costs. And as you get into your late forties, early fifties, it can be very expensive. When\n\nChannel 1: Yep.\n\nChannel 0: looking at whether you need income protection or not, it's about understanding what your expenditure looks like on a monthly basis and whether if you were off work, do you have enough sick leave, annual leave, long service leave, savings to fall back on? Do do sorry. Does your investment properties provide enough income coming in and or your wife's income? Does all of that together support you long enough?\n\nChannel 1: Yep.\n\nChannel 0: So at the moment, because you don't have any sort of income protection cover, to think about if you were off work due to illness or injury, do you have sick leave, long service leave, or anything leave wise at work to fall back on, or does your employer provide you with any additional insurances, or are you part of a union that has any income protection?\n\nChannel 1: I'm I'm at a place where I've been for twenty seven years,\n\nChannel 0: Yep.\n\nChannel 1: and I have a lot of long service. I have a lot\n\nChannel 0: Yep.\n\nChannel 1: of sick leave.\n\nChannel 0: Perfect.\n\nChannel 1: So and I'm just about to do another anniversary this month, actually, so I'll end up with another\n\nChannel 0: Fantastic.\n\nChannel 1: four\n\nChannel 0: Beautiful.\n\nChannel 1: weeks annual\n\nChannel 0: Yeah.\n\nChannel 1: leave. So, look, realistically, I think if something's happened to me outside work, I've, you know, I'm I've got probably over twelve months easily of leave\n\nChannel 0: 12\n\nChannel 1: if I had to take it all.\n\nChannel 0: months?\n\nChannel 1: So yeah.\n\nChannel 0: Yep. Beautiful. Fantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: And, look, you do own your own home outright. So it is just the investment properties there.\n\nChannel 1: Yeah.\n\nChannel 0: And longer term, if you weren't then able to go back to work, we would try to look at, you know, TBD or releasing super, and your wife still has income coming in. So you feel you're pretty comfortable with that income protection that everything would be okay long term?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yeah.\n\nChannel 1: And, I mean, if it got too hard to just sell a property, let's just get rid of one. But,\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: love that.\n\nChannel 1: It's\n\nChannel 0: That's beautiful. No.\n\nChannel 1: yeah.\n\nChannel 0: That's excellent.\n\nChannel 1: It's it's always\n\nChannel 0: Yep.\n\nChannel 1: an option, I suppose. Not that it's not that I think that way. I try to don't even\n\nChannel 0: Done.\n\nChannel 1: think about it, and be honest, because, you\n\nChannel 0: Yeah.\n\nChannel 1: know, they are they are costing money, obviously, at the moment\n\nChannel 0: Yeah.\n\nChannel 1: because rate rises and all that sort of things. So just\n\nChannel 0: Yeah.\n\nChannel 1: try not to\n\nChannel 0: No.\n\nChannel 1: think\n\nChannel 0: That's\n\nChannel 1: about it pretty much.\n\nChannel 0: that's completely understandable, and that's okay. All good. With your regular expenditure, are you guys managing to put sort of much money away on a monthly or fortnightly or weekly basis? I think last year, you said you were able to save about $300 per week. Are you still finding that that's possible, or is it kind of dropped a bit with the new investment property coming into play?\n\nChannel 1: No. It hasn't really changed much how I feel. Like, my wife does all that.\n\nChannel 0: Yep.\n\nChannel 1: And earlier this year, our 20 year old kids So one of them bought his own place, and the daughter\n\nChannel 0: Yeah.\n\nChannel 1: moved in with him. So we don't have as many mouths to feed at home anymore either. So\n\nChannel 0: So expenses have dropped a little bit. That's nice.\n\nChannel 1: so I feel the expenses have dropped a bit. Yeah. They should\n\nChannel 0: Yeah.\n\nChannel 1: have.\n\nChannel 0: Fantastic.\n\nChannel 1: And\n\nChannel 0: Excellent.\n\nChannel 1: my wife likes to put money away. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: we have a reasonably healthy savings account, I guess, you might as well say,\n\nChannel 0: Okay. Yes.\n\nChannel 1: which\n\nChannel 0: Fantastic.\n\nChannel 1: all which is always a good backup, which funds our bloody you know, our funds our what we our shortfall for the units. So yeah.\n\nChannel 0: Yep. Yep. Excellent. Lovely. If you were to say quantify, do you feel like saying about $300 per week is fairly average or accurate for what you would assume to be saving, or would you maybe say a little bit higher at the moment just to kinda quantify it?\n\nI know it's probably difficult because your wife has it on. I do apologize.\n\nChannel 1: It's hard to say. Yeah. I just\n\nChannel 0: The\n\nChannel 1: I just\n\nChannel 0: same.\n\nChannel 1: keep it the same because, yeah, like I say, the the kids are gone, and then we've we've had the unit probably the other next the other units in, maybe, nearly twelve months. So, yeah, you might as well might as well say the same, I reckon.\n\nChannel 0: Yep. Yep. Beautiful. Thank you for clarifying that. Appreciate it.\n\nNow the last type of insurances I do need to talk about is trauma. So\n\nChannel 1: So\n\nChannel 0: trauma tends to pad a lump sum tax free benefit in the event that you're, say, diagnosed with a major traumatic condition. So some of the main ones that people claim on for trauma are, say, heart attack, stroke, Parkinson's, MS, or cancer is probably the biggest one. Did you so with, like, life and TB income protection, you can pay for those out of your super funds. You're not paying the premiums out of your back pocket. But with trauma, you can't do that.\n\nYou do have to pay the premiums out of your back pocket. Being as you you do have savings, sick leave, long service leave, things like that to fall back on. Do you feel like you would need to look at trauma, or are you comfortable just not worrying about that level of cover with the trauma?\n\nChannel 1: Yeah. I'm pretty comfortable, I think. Yeah. Yep.\n\nChannel 0: Yep. That's\n\nChannel 1: To leave\n\nChannel 0: okay.\n\nChannel 1: it? Yep.\n\nChannel 0: Absolutely fine. If anything ever changed and you wanted to find out more or had questions around those, just let me know. I'm more than happy to go into more detail with you. Okay?\n\nChannel 1: Yep. No\n\nChannel 0: Fantastic.\n\nChannel 1: worries.\n\nChannel 0: Excellent. Now just to kinda clarify and go through a few more details with regards to your circumstances, income last year, we had you on about 80,000. Have you had a pay increase since then at all?\n\nChannel 1: It's hard to say because I do overtime and that, but I haven't done a lot of overtime this year. But I'd I'd say the 90 go to 90 with it. I reckon\n\nChannel 0: Yep. Yep.\n\nChannel 1: from memory, I earned that bit over 90 this year, I think, or last last\n\nChannel 0: Yep.\n\nChannel 1: financial. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Perfect. Excellent. Not a problem at all. So a little over 90,000. Lovely.\n\nI've got down here. Now we've confirmed most of the debt levels on the properties there, but with your main primary residence, we had an asset value last year of about 900,000. What sort of what sort of value would you put on the property now, do you think?\n\nChannel 1: Well, there's a handset from us going for 1.2 at the moment. So it'll\n\nChannel 0: Mhmm.\n\nChannel 1: be yeah. I I I'd probably just put it at the mill mark now, way things\n\nChannel 0: Yeah.\n\nChannel 1: are going. Yeah. Just\n\nChannel 0: Absolutely.\n\nChannel 1: be conservative. Yeah.\n\nChannel 0: Yep. Not a problem at all. And with the Werribee property, we had a value of that last year of 500,000. What sort of value would you put on the property at Werribee now?\n\nChannel 1: Oh, actually, I I wouldn't be able to tell you. I've I've just laid it at the 5. It'd probably be more,\n\nChannel 0: The 5\n\nChannel 1: but\n\nChannel 0: 100?\n\nChannel 1: we'll just leave it at\n\nChannel 0: That's\n\nChannel 1: the 5\n\nChannel 0: a good\n\nChannel 1: 100, I think.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: is. Absolutely. And with the Clyde North property, what sort of value would you put on that one at the\n\nChannel 1: Well, I'd like to think it's what we owe on it, but, yeah,\n\nChannel 0: moment?\n\nChannel 1: it's sort of hard to say. It's a three bedroom unit, two story\n\nChannel 0: Mhmm.\n\nChannel 1: unit. So,\n\nChannel 0: Mhmm. No.\n\nChannel 1: yeah, look, what oh, well, we haven't had done this one yet, have we? So, yeah, if well, only a guess. I'd been\n\nChannel 0: Yeah.\n\nChannel 1: brand new and everything else. Leave it at the 700, I think,\n\nChannel 0: 7\n\nChannel 1: I suppose.\n\nChannel 0: 100? Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem at all. And I also had your Ford Focus, your vehicle down. Do you still have the same vehicle?\n\nChannel 1: Yeah. Actually, we do. Yes.\n\nChannel 0: Yeah. Fantastic. Asset value on that last year was about 50,000. If you were to sell the vehicle to recurve rate costs. What kind of sale price would you put on it?\n\nWhat would you want what value is it to you?\n\nChannel 1: Look. It's still a neat car, but probably\n\nChannel 0: Yeah.\n\nChannel 1: but realistically, maybe 12, I suppose.\n\nChannel 0: 12,000? Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And you mentioned you've got some savings there as well. Do you know how much you have in your savings account as backup?\n\nChannel 1: The savings was around 27,000.\n\nChannel 0: 27. Yep. Fantastic. And any other assets you would note down? Any other cars, boats, caravans, or shares, or crypto currency, or collections.\n\nChannel 1: I've got a twin cab u a '13 model Mazda.\n\nChannel 0: Yep.\n\nChannel 1: Mazda\n\nChannel 0: Yep.\n\nChannel 1: bloody b c 50. Yeah.\n\nChannel 0: You\n\nChannel 1: I'd probably\n\nChannel 0: see 50.\n\nChannel 1: put 10 on 10 on it.\n\nChannel 0: Yep. Beautiful. And it's owned outright. No.\n\nChannel 1: Yep.\n\nChannel 0: Nothing owing on that\n\nChannel 1: Yeah. Yep. Yeah. It turned out right. I bought bought it with cash.\n\nI got it a while back.\n\nChannel 0: one? Yeah. No. That's okay. Another asset I like to note down is contents.\n\nI know it's sorta hard to value what your contents is. Do you know what your contents would be on your home and contents insurance, what you'd have it valued at roughly?\n\nChannel 1: Yeah, I think we went up a little bit 80, I think.\n\nChannel 0: 80,000. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I think\n\nChannel 0: Excellent.\n\nChannel 1: that's all good. Wasn't that wasn't that long ago we done our insurance. So yeah.\n\nChannel 0: Yep. No. That's okay.\n\nChannel 1: I\n\nChannel 0: Fantastic.\n\nChannel 1: think we\n\nChannel 0: Thank you so much for that.\n\nChannel 1: I do have one\n\nChannel 0: I\n\nChannel 1: more car as well, a\n\nChannel 0: oh,\n\nChannel 1: little a\n\nChannel 0: you\n\nChannel 1: toy.\n\nChannel 0: sure?\n\nChannel 1: Yep.\n\nChannel 0: Sorry. Absolutely.\n\nChannel 1: Like like like like me it's a bit like it's the same not the exact same car. It's the same car. It's my first car when I got my license. So it's a XC Falcon.\n\nChannel 0: Yep. XC Staffing. Yep. Perfect.\n\nChannel 1: Yep. And you could probably put $30 easily on it. So\n\nChannel 0: 30,000. Lovely. And earned outright. No debts on that one at all?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Fantastic. Lovely. Excellent. Well, thank you so much for updating those details there. Now the other thing we wanted to sort of check on is the estate planning aspect.\n\nNow having a look here, it says that you and your wife have done a will in the past. Is your will still active, and does it reflect your current wishes that you're aware of? Have you had it reviewed or anything?\n\nChannel 1: Yes. I think it's fine at the moment. Yeah.\n\nChannel 0: Still good?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And do you have a power of attorney set up as part of that?\n\nChannel 1: Yeah. It's one of our kids. Yeah. Yep.\n\nChannel 0: Yep. Yep. Fantastic. Excellent. Yeah.\n\nThat's\n\nChannel 1: Well, our elders. Yeah.\n\nChannel 0: Yeah. That's that's okay. And with the beneficiary there on your super annual life cover, I've got your super beneficiary. It's a binding nomination, so it means that you've found the trustee to follow your direction. You've told them what you want to happen, and you don't have to fill the format every couple of years, which is a benefit.\n\nYou've\n\nChannel 1: Okay.\n\nChannel 0: got down here Kylie, so your wife for a 100%. Does that reflect your wishes? You're still comfortable with that nomination?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Fantastic. And I'm just quickly logging in to see what is on the the insurance for you as well just to make sure that's reflective of your wishes. Sorry. Wait a second.\n\nHere we go. So I've got here beneficiary policy. Oh, it's the same as your super. Fantastic. So in the event of something happening, a 100% of your life cover and your super benefit paid is Kylie.\n\nPerfect.\n\nChannel 1: Mhmm.\n\nChannel 0: That sounds\n\nChannel 1: Well, she\n\nChannel 0: good.\n\nChannel 1: loved that. Well, I'm not telling her\n\nChannel 0: Just\n\nChannel 1: that.\n\nChannel 0: make just making sure that that is all correct for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: I'll tell her\n\nChannel 0: Now\n\nChannel 1: to leave\n\nChannel 0: you\n\nChannel 1: me a bit longer because it'll get better. It'll get more.\n\nChannel 0: Absolutely. Now with your super, just sort of having a look at things. You may mention last time that you were sorta hoping to access super or retire around about age 65. Does that still feel reflective of your goals, or are you wanting to sorta hopefully retire earlier than that? What's your thoughts on your retirement age?\n\nChannel 1: Yeah. Look, it'd be lovely to retire earlier.\n\nChannel 0: Yep.\n\nChannel 1: That's why we've gone in with the investments.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, so I guess that was part thereof trying to look into the future. So, you\n\nChannel 0: Yep.\n\nChannel 1: know, with super and stuff. So,\n\nChannel 0: Yep. Yep.\n\nChannel 1: yeah, so it'd be nice to knock off the you know? Because we like to travel. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I like to tinker in the shed. It'd be good not to have to come and have a day like I had today. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Yes. Absolutely. Fantastic. Well, just so you're fully aware, you actually can access super and retire at the age of 60, so you don't have to wait till 65.\n\nChannel 1: Alright.\n\nChannel 0: When it comes to your yeah. So when it comes to your super benefit, do you think you're more likely to try and retire at 60, or do you feel like you might be\n\nChannel 1: Oh,\n\nChannel 0: wanting to wait till 65? How do you sort of feel about that goal at the moment, and what age would you like me to focus on goal wise?\n\nChannel 1: look. It's hard to say. Like, it's the future. Depends on what I'm doing, I guess, work wise. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Do you do you go part time? Yeah. There's always options to go on part time and things like\n\nChannel 0: Yep.\n\nChannel 1: that. Like, I'm pretty handy on machinery. So, you know, I could always get a job on machines or, I guess, something like that. So\n\nChannel 0: Yep.\n\nChannel 1: look. Hey. Look. If his house is going well and his super stay is good and I can retire at 60, I'll be probably looking at that. But, yeah, that's\n\nChannel 0: Absolutely.\n\nChannel 1: yeah. I didn't\n\nChannel 0: Yeah.\n\nChannel 1: didn't think that would be very possible, but if it is,\n\nChannel 0: Is\n\nChannel 1: well\n\nChannel 0: that okay? Mhmm.\n\nChannel 1: yeah. But still, I'd probably do something for work anyway, part time anyways.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: yeah, I'd still want that structure, I reckon, for a little bit longer while I could still work. So yeah.\n\nChannel 0: Absolutely. If you like, what I could do goal age for you is work on 60 as your goal is to say, look. You realistically would like to be able to retire at the age of 60. However, it also gives you the option to continue working if you choose to to maybe drop down hours if you choose to, but it means that\n\nChannel 1: Yeah.\n\nChannel 0: we're working on an earlier goal for you trying to access sleep at the earliest possible point to give you the option to do so. Does that sound okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Beautiful. And you may have mentioned that the investment properties, they're all part of your retirement plan. So to pay those down as much as possible or fully off to supplement super to be able to draw income within those retirement years and maybe before 60. Does that sound right\n\nChannel 1: I'm\n\nChannel 0: with that goal?\n\nChannel 1: hoping so. Yeah. Yep.\n\nChannel 0: Yep. Perfect. Excellent. I'll just note that down. I'll just supplement super.\n\nFor retirement income. Beautiful.\n\nChannel 1: Where\n\nChannel 0: Thank you\n\nChannel 1: do we\n\nChannel 0: for\n\nChannel 1: sell\n\nChannel 0: updating.\n\nChannel 1: them off\n\nChannel 0: Yeah.\n\nChannel 1: or keep them yeah. Keep them yeah. Once you own them, obviously, yeah, you got your rent full rent, basically. Well well, minus a few things, but yeah. So just just all depends on the time and what's going on, I guess.\n\nChannel 0: Absolutely. Yeah. No. That's absolutely fine. That's not a problem at all.\n\nAnd down the track, if you do require those sorts of services, we can assist you in that area. It's not an issue at all. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. Now with your insurances, I'm just sort of noting here that you're happy with the amount of cover that you do hold, that with TBD, you would like to be able to make sure you have the best definitions available to you, and that we'll look at trying to update that for you. Does that sound right? Did you want me to alter that at all for you?\n\nChannel 1: And if you're making it better? Yeah. Sure.\n\nChannel 0: Yeah. That's okay. I don't wanna make it worse. That's for sure.\n\nChannel 1: No. Absolutely\n\nChannel 0: All good.\n\nChannel 1: not.\n\nChannel 0: Excellent. And confirming your estate planning is all up to date. You're happy with your beneficiaries, making sure that Kylie is the benefactor\n\nChannel 1: Yep.\n\nChannel 0: in the event that something was to happen to you.\n\nChannel 1: Absolutely.\n\nChannel 0: Fantastic. Do you have any other goals down the track? I know paying down those investment properties is probably one of your sort of goals with regards to the debt there. But do you guys have any other goals that you would wanna sort of note down at all?\n\nChannel 1: Probably no. My wife will be more traveling, I suppose.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. That's that's probably our main thing. It's it's actually kinda weird at the moment with the kids leaving earlier this year. It's sort of\n\nChannel 0: It's\n\nChannel 1: it's a\n\nChannel 0: different,\n\nChannel 1: different\n\nChannel 0: isn't it?\n\nChannel 1: different when you got a size house that we got at the moment, and that's just\n\nChannel 0: Yeah.\n\nChannel 1: the two of us.\n\nChannel 0: Yeah.\n\nChannel 1: It's a little bit different. So, yeah, look, traveling could could more be a thing there once we,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: you know, get used to what we are at the moment. So\n\nChannel 0: Been a bit more empty nesters.\n\nChannel 1: Mhmm. Here we are. Yeah. I know. It feels weird because,\n\nChannel 0: It\n\nChannel 1: you know,\n\nChannel 0: is\n\nChannel 1: we're\n\nChannel 0: different.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: We're we're still\n\nChannel 0: Yeah.\n\nChannel 1: close with the kids. That's like we're\n\nChannel 0: Yeah.\n\nChannel 1: always being close. And,\n\nChannel 0: That's\n\nChannel 1: yeah,\n\nChannel 0: good.\n\nChannel 1: I I skipped my gym day with my son today because I'm just getting home late, and this was happening.\n\nChannel 0: Yeah.\n\nChannel 1: And yeah. So but, yeah, we still they're they're in the they're in the same town, basically, as us. So, yeah, we get to see them all the time. So\n\nChannel 0: Oh, that's really\n\nChannel 1: yeah.\n\nChannel 0: good. That's really\n\nChannel 1: Yeah.\n\nChannel 0: good. It's good to have that kind of relationship. I know. Just to kinda give you some context, my my oldest two are 19 and 20, so they've\n\nChannel 1: Hi.\n\nChannel 0: recently just moved out into my investment property. So it's kind of like\n\nChannel 1: Oh,\n\nChannel 0: giving them a little bit of an arm's length to say, here's some space to\n\nChannel 1: yes.\n\nChannel 0: grow.\n\nChannel 1: I\n\nChannel 0: It's\n\nChannel 1: I\n\nChannel 0: safe\n\nChannel 1: I we should've\n\nChannel 0: after we're the ones that own it.\n\nChannel 1: yeah. Well, we had we didn't think that we didn't didn't think that way because we've gone with a company that really is AusTrull. I don't know if you've heard of them, but,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: we\n\nChannel 0: I\n\nChannel 1: went\n\nChannel 0: have.\n\nChannel 1: through\n\nChannel 0: Yeah.\n\nChannel 1: those went through those guys and, obviously, their their strategies are to be in Melbourne and things like that. But I guess\n\nChannel 0: Yep.\n\nChannel 1: if we had that time again, we probably could have just done something in the yeah. Obviously, in Ginger or Aubrey where we are\n\nChannel 0: Yeah.\n\nChannel 1: instead.\n\nChannel 0: Yeah.\n\nChannel 1: But, anyway, that's that's past that\n\nChannel 0: That's\n\nChannel 1: point\n\nChannel 0: okay.\n\nChannel 1: now. So\n\nChannel 0: As long\n\nChannel 1: But\n\nChannel 0: as it grows\n\nChannel 1: yeah.\n\nChannel 0: and does what you want it to, that's the benefit. Right?\n\nChannel 1: Yeah. That's right. Well, we could the kids could have moved. Well, I didn't want them to move out, to be honest. So\n\nChannel 0: No.\n\nChannel 1: but yeah. But I got our kids are 24 and 22 or nearly 23. So\n\nChannel 0: Wow.\n\nChannel 1: oh, 25. Sorry.\n\nChannel 0: Crazy.\n\nChannel 1: 25 and nearly 23. So\n\nChannel 0: Wow. They grow up so fast.\n\nChannel 1: yeah.\n\nChannel 0: Incredible,\n\nChannel 1: Well\n\nChannel 0: isn't it?\n\nChannel 1: well, we've got to keep them for that long, so that was good, I suppose.\n\nChannel 0: Mine still come home and raid my fridge. She she\n\nChannel 1: Yep.\n\nChannel 0: sent me a message. She's like,\n\nChannel 1: Paid.\n\nChannel 0: hey, mom. I've come\n\nChannel 1: Entry.\n\nChannel 0: home. I didn't wanna go to Willie's. I've I've taken food, and I'm leaving. I'm like, okay.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Take what take whatever you need. I would rather go buy food and make sure you are covered than not. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: That's right. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, no. It's good. It's good to see him start growing up. So yeah.\n\nChannel 0: Yeah. No. That's fantastic. That's excellent. Good to see.\n\nAnd they bought their or your son's bought his first property, so that's fantastic. He's on the ladder and building his his wealth as well.\n\nChannel 1: Well, that's right. Yes. That's correct. Yeah. He's obviously, he's able to save a favor the money while he was at home.\n\nSo yeah. And do that. So yeah. It's wonderful.\n\nChannel 0: That's beautiful. Excellent. All good. Well, the last thing I wanna do, because I wanna let you go so you can enjoy\n\nChannel 1: Thank you.\n\nChannel 0: your evening, is just to quickly check your risk profile. So at the moment within your super fund, you are in a high growth portfolio that generally suits someone who has at least eight years before they're wanting to access their funds. They're trying to get a bit more growth. However,\n\nChannel 1: Yep.\n\nChannel 0: it does mean you are taking on a bit more risk in the market. So we\n\nChannel 1: Yep.\n\nChannel 0: know taking on more risk means that when the downtimes happen, when we see volatility like this year, we are so we are gonna expect and understand that the markets will see a bit more of a a lower dip, or we might feel that more.\n\nChannel 1: Yes.\n\nChannel 0: Just to sort of quickly check a couple of questions with you, with regard to your suit, but if you say saw the portfolio fall by 20% over the next one, two, or even three years, how do you think that might be feeling? Or how do you think you might be feeling? Do you think you'd see it as an investment opportunity? You put some more money into it. Are you a bit concerned?\n\nMaybe call us and see what we suggest you do, or are you feeling really uncomfortable and wanting to sell your investments to cash to try and preserve what you can? How do you think you might react in that instance?\n\nChannel 1: So that's the super you're talking about. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Right.\n\nChannel 0: If you sort of fall drastically with what was happening in the market generally.\n\nChannel 1: Yeah. I suppose where there's always a fall, there will be a rise again at some stage.\n\nChannel 0: Mhmm.\n\nChannel 1: So I suppose\n\nChannel 0: Yeah.\n\nChannel 1: yeah. In what time frame were you talking?\n\nChannel 0: Say one, two, or three years at the most.\n\nChannel 1: Oh, one, two, or three. Look. Yeah. Look. It's time to recover, I guess, if something like that happens, I guess.\n\nSo\n\nChannel 0: Yep. Do you think\n\nChannel 1: yeah.\n\nChannel 0: you'd maybe hold and wait, call us, and see what we suggest you do, and maybe you have that conversation with us? Or\n\nChannel 1: Pretty much. Pretty much. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I reckon so. Yeah. You guys are the experts. So and\n\nChannel 0: Yep.\n\nChannel 1: I mean, yeah, it's another full thoughtful proof, obviously. Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Things are always\n\nChannel 0: Marcus\n\nChannel 1: foreseeable, but unfulfavorable, so I get that.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: No. All good. When do you consider yourself when do you consider yourself as a risk taker, out of, say, a number between one and five, five being the highest level of risk, all say in equities or one in the lowest level of risk, maybe all sitting in cash. Where do you think you might see yourself?\n\nChannel 1: As a risk taker in\n\nChannel 0: Yeah.\n\nChannel 1: Bali.\n\nChannel 0: In your super. Yeah.\n\nChannel 1: I don't spend money. So and my wife tries to save it. So yeah. Look. I think we're on the less yeah.\n\nRisk less risky of of it, I suppose.\n\nChannel 0: Yep. Do you see yourself sort of moderate, maybe a three halfway between the five and the one, or\n\nChannel 1: Okay.\n\nChannel 0: just maybe\n\nChannel 1: Probably. I guess so. Yeah.\n\nChannel 0: mhmm.\n\nChannel 1: Yeah. Look, I mean, we got investment properties we're paying for, I suppose, and we\n\nChannel 0: Yep.\n\nChannel 1: like to go on holidays, which we try and do once or once every year or every two years. So\n\nChannel 0: Yep. That's\n\nChannel 1: yeah. But\n\nChannel 0: absolutely\n\nChannel 1: I mean, I just\n\nChannel 0: fine.\n\nChannel 1: I was\n\nChannel 0: That's\n\nChannel 1: overseas holidays, that is, I suppose. Yeah.\n\nChannel 0: yeah. No. Absolutely. And have you ever owned shares in the past in your own name? Or\n\nChannel 1: No. Never\n\nChannel 0: nope.\n\nChannel 1: had\n\nChannel 0: That's\n\nChannel 1: shares.\n\nChannel 0: okay.\n\nChannel 1: No. Not\n\nChannel 0: No.\n\nChannel 1: that I'm\n\nChannel 0: Perfect.\n\nChannel 1: aware of. Not I think I think the kids had shared in Safeway when oh, into the window. But yeah. No. I don't have any shares.\n\nChannel 0: No. That's okay. Not a problem at all. All good. So having a look at that, that you have scored as more of a growth investor.\n\nIt is generally one drop down from where you are at the moment. However, if you're comfortable taking on a bit more risk, you absolutely can stay in that high growth environment. As I kinda went before, with a high growth portfolio, we see 90% in those growth investments. So think about things like Australian shares, international shares, listed property, and some gold and silver or commodities.\n\nChannel 1: Mhmm.\n\nChannel 0: The other 10% in low risk defensive investments, things like cash, bonds, and fixed interest. The high growth portfolio with the risk profile, you're looking to try and obtain about eight to 10% on a yearly basis compounding that forward. Anything over 10%, the portfolio has overperformed. Anything under 8% isn't underperformance for the year.\n\nChannel 1: Yep.\n\nChannel 0: The likelihood of a negative return because you are seeing more of those higher risk investments, we do expect the likelihood of a negative negative return about one every five years,\n\nChannel 1: Mhmm.\n\nChannel 0: and the suggested time frame for this portfolio is about eight years there. So, realistically, with your time horizon, you can still be in that high growth environment. It's more just that you've scored as a as a growth risk profile. So it means we would drop you down by one to have 80% in those high in those sort of growth investments there.\n\nChannel 1: Yep.\n\nChannel 0: The expected return you're chasing with the growth portfolio is about seven to 9%, and it suits someone who's not gonna access their funds for about six years. So it's more to stand to your preference. Do you feel like you wanna start reducing your risk level a bit, or are you happy just to keep it a bit higher in that high growth portfolio for a bit longer and maybe review it in a year's time? What would you be comfortable\n\nChannel 1: Yeah. Probably where it\n\nChannel 0: with?\n\nChannel 1: is. I I I hope\n\nChannel 0: Yep.\n\nChannel 1: that Trump gets rid of the war a bit, and, you know, settled down a bit, and things return\n\nChannel 0: Yep.\n\nChannel 1: back to normal a bit. It'd be nice. So\n\nChannel 0: Yeah.\n\nChannel 1: but, yeah, look.\n\nChannel 0: Absolutely.\n\nChannel 1: Kathy to keep it where it is.\n\nChannel 0: Yep. Absolutely. Not a problem at all. I'll make a note there. We'll keep you high growth for the\n\nChannel 1: Mhmm.\n\nChannel 0: moment. We'll review it down the track, and I'll just go back and review the high growth portfolio and see what we can do to sort of keep it working a bit harder for you. And I'll update the advice for you as well. How does that\n\nChannel 1: Sounds great.\n\nChannel 0: sound? Fantastic. Now the last thing to let you know, you did sign your ongoing service agreement a few weeks back, but you do\n\nChannel 1: Yep.\n\nChannel 0: pay an ongoing service fee for having us as your advisers by looking after your super, providing ongoing advice, and supporting you towards your retirement goals there. So it is 1.65% per annum. It is calculated on a smaller monthly basis and deducted out of your super. So we do wanna make sure that your returns are working. And\n\nChannel 1: Yep.\n\nChannel 0: as much as you got a lower return this year, that was a net return, so after the fees have come out. So it does mean that your super has performed. You've made the 1.65% for the year, but then additional growth on top of that. So whilst it is lower, it still is growth, and it still\n\nChannel 1: Yep.\n\nChannel 0: is compounding forward, which is a positive thing for you.\n\nChannel 1: Yeah.\n\nChannel 0: And then that allows us to keep updating your advice for you as well.\n\nChannel 1: Yep.\n\nChannel 0: But do you have any questions around the fee or our services or anything in relation to what I've gone through at all for you?\n\nChannel 1: No. Not not particularly. I understand some years\n\nChannel 0: Yeah.\n\nChannel 1: would be down and and and that too. And obviously,\n\nChannel 0: Yeah.\n\nChannel 1: with what's going on with the world too, that doesn't\n\nChannel 0: Yeah.\n\nChannel 1: it's not gonna help, obviously. So\n\nChannel 0: Absolutely.\n\nChannel 1: I guess, yeah, it'd be nice to see a bigger growth, but,\n\nChannel 0: Yeah.\n\nChannel 1: no, look, it is\n\nChannel 0: Absolutely.\n\nChannel 1: what it is, I suppose. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I think\n\nChannel 0: I I think I've been you're right. So sorry.\n\nChannel 1: oh, no. I I think I guess I I guess and everyone else is in the same boat too. So,\n\nChannel 0: Correct. Yeah.\n\nChannel 1: yeah, can't\n\nChannel 0: Yep.\n\nChannel 1: really do too much about it, to be honest.\n\nChannel 0: No. And that's okay. I think one of the most important things to think about in the way we sort of see investing is when we are happy taking on a bit more risk in the market is when we see those downtimes to not look at it as a bad thing, to go to look at it as an opportunity, you know, and you're not accessing your super for the next ten years because it's locked away until you meet that condition of release. And and when you are closer to that eight year time horizon, I wouldn't want you to be high growth. So I would be very much if you were closer to that point saying let's draw it back a little bit.\n\nLet's not be in that high growth environment and\n\nChannel 1: Yep.\n\nChannel 0: kinda coaxing\n\nChannel 1: Yeah.\n\nChannel 0: you down to reduce your risk level. I would not wanna leave you there. But,\n\nChannel 1: Yeah.\n\nChannel 0: realistically, at the moment, because you've got that time horizon, when the investments are down, as much as it's not nice to have a negative return or a lower return, it's essentially the investments being they're at a discounted rate. So as your contributions are now going in, and they're supposed to be payday contributions, so they'll go in more regularly, you'll be able to take advantage of the downtime to buy into those discount discounted investment units as well. So\n\nChannel 1: Yep.\n\nChannel 0: if you ever are feeling concerned, nervous, call me because I'll definitely look at those sorts of things differently. Probably a bit too excited at the downtime. But, you know, it is just about the way we certainly see things. And as long as you have the time horizon to be invested to wait for that downtime to come through, then you definitely can. And you see, well, there was volatility.\n\nThe markets have shown good recovery from that point. We've all seen some really good growth there. And there is a little bit more within the market. There is\n\nChannel 1: Yep.\n\nChannel 0: a little bit more confidence for investors that we have seen the ASX returning back some really good numbers over the past couple of weeks there. So we do\n\nChannel 1: Yep.\n\nChannel 0: certainly hope that does continue. And with the changes to, obviously, the tax legislation and things over the last couple of months that came out with the budget, they're certainly hoping that inflation will slow heavily over the next couple of months as well. So that can also have an effect on bond rates and fixed interest. So we are predicting much better, you know, returns moving forward, but who knows? Trump could\n\nChannel 1: Yeah.\n\nChannel 0: come out next week\n\nChannel 1: Sure.\n\nChannel 0: and treat something else, and we could be at war\n\nChannel 1: That\n\nChannel 0: with Italy.\n\nChannel 1: that\n\nChannel 0: So\n\nChannel 1: that that's right. So I actually do have one question.\n\nChannel 0: well, yeah,\n\nChannel 1: Is so\n\nChannel 0: absolutely.\n\nChannel 1: the amount that I the amount that I have in at the moment\n\nChannel 0: Yep.\n\nChannel 1: for for my age, is that okay, or is it sort of down a bit? Or, you know,\n\nChannel 0: Yep. Right.\n\nChannel 1: how's how's\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: okay.\n\nChannel 1: look in your opinion?\n\nChannel 0: Absolutely. Absolutely. I actually do have some research recently that shows me what the average super balance is, and I can give you that. One of the best things about my job is I get access to lots of research data and materials. So I'll just\n\nChannel 1: But,\n\nChannel 0: pop\n\nChannel 1: yeah,\n\nChannel 0: in\n\nChannel 1: I think\n\nChannel 0: and grab\n\nChannel 1: this thing\n\nChannel 0: that\n\nChannel 1: to\n\nChannel 0: for\n\nChannel 1: see\n\nChannel 0: you.\n\nChannel 1: how I am tracking with it, I suppose. Yeah.\n\nChannel 0: Yeah. Absolutely. And part of the advice, I'll make sure I update for you just to look at where you know, what we expect over the next five to ten years. Because you do have more than ten years ahead of you, I won't go forward and project, you know, all the way to retirement age, but we'll do the next five to ten years, and then\n\nChannel 1: Mhmm.\n\nChannel 0: we can keep updating it there for you to make sure it's always reflective.\n\nChannel 1: Yep.\n\nChannel 0: But you're I'll just pop in here. Male. Beautiful. So for your age and stage, the average super balance of someone your age is about a 193,501. So based on your\n\nChannel 1: Oh,\n\nChannel 0: current balance there of two\n\nChannel 1: I'm above\n\nChannel 0: 100\n\nChannel 1: average.\n\nChannel 0: and 74,000, you are above average. Absolutely. And the the data doesn't look great, and that's because, like, super wasn't a real thing until the early nineties, and it's been slowly\n\nChannel 1: Yep.\n\nChannel 0: increasing. So, like, your\n\nChannel 1: Yep.\n\nChannel 0: kids and my kids and even myself, I'm a little bit younger. I still not not much younger than you, I promise. But we will have a little bit more super when the time it comes because we've all sort of been working, and the super contributions were at a higher rate.\n\nChannel 1: Yes.\n\nChannel 0: But a lot\n\nChannel 1: Yep.\n\nChannel 0: of people your age and even older are finding, you know, they were going into retirement with lower than expected balances because, essentially, you know, they are they haven't had super for as long the the rate of super contributions is lower, or they\n\nChannel 1: Yep.\n\nChannel 0: have not worked a full lifetime.\n\nChannel 1: Yep.\n\nChannel 0: So there are definitely reasons there, but your super balance is above average for your agent's date. That is a positive sign, and we\n\nChannel 1: That's\n\nChannel 0: wanna make sure it works as hard for you as it possibly can. Yeah.\n\nChannel 1: good. Yeah. Yeah. Nice.\n\nChannel 0: Excellent.\n\nChannel 1: Oh, that's good.\n\nChannel 0: And\n\nChannel 1: That's\n\nChannel 0: the yeah.\n\nChannel 1: that's brighten\n\nChannel 0: That's\n\nChannel 1: up\n\nChannel 0: okay.\n\nChannel 1: your afternoon\n\nChannel 0: The last\n\nChannel 1: a bit for me.\n\nChannel 0: absolutely. The last thing I just wanted to check on, I thought I hadn't touched on earlier was, with additional contributions to super, are you sort of wanting to down the track look at making more contributions to super, or are you sort of more focused on paying down your investment property debts to keep those to, you know, draw on\n\nChannel 1: Yeah.\n\nChannel 0: before? What's your thoughts there?\n\nChannel 1: Yeah. Probably probably more the investments, I suppose. It'd be nice to knock\n\nChannel 0: That's\n\nChannel 1: them\n\nChannel 0: fine.\n\nChannel 1: down.\n\nChannel 0: Yeah.\n\nChannel 1: But it's it's\n\nChannel 0: Absolutely.\n\nChannel 1: one of those things. It's a six seven, isn't it? That's, yeah, do you put more\n\nChannel 0: Absolutely.\n\nChannel 1: in the super or yeah. Is\n\nChannel 0: Yeah.\n\nChannel 1: it you put it in\n\nChannel 0: Yeah.\n\nChannel 1: the super or yeah. And and hopefully, it's got good growth, or do you put it into the properties and hopefully, there's good growth in that. So I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: I kinda see that the I've got a bid in nature, you know,\n\nChannel 0: Yeah.\n\nChannel 1: a bid in nature,\n\nChannel 0: Yes.\n\nChannel 1: I suppose. So\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely. And, look, you're not doing anything wrong. It's more about what's important to you and what your goals are. So if you are wanting to try and pay those debts down so you can, you know, either sell them down the track and use the money to fund retirement earlier or, you know, keep them, pay them down so you have that rental income to support you in supplement super. There's nothing wrong with that.\n\nChannel 1: Yeah.\n\nChannel 0: It's definitely definitely gonna be a between investing outside of super and inside super because super isn't the be all and end all. There are ways to build wealth in other ways. And if\n\nChannel 1: Yes.\n\nChannel 0: you are wanting to retire prior to accessing super at 60, then we are gonna have to look at other ways such as the investment property aspect. So\n\nChannel 1: Yeah.\n\nChannel 0: there's there's no wrong answer to that. It's more about your comfort level. We just always like to ask the question. And down the track, if you decide you want to, you let me know. We can certainly help and provide advice in the area for you.\n\nOkay.\n\nChannel 1: Cool. Cool. No worries.\n\nChannel 0: Excellent. Oh, cool. Well, that is everything I needed to touch on for you. Before I let you go, I'm just gonna quickly book in a time for one of my beautiful team members to go to your pre assessment with you next week. I know later in the afternoon around about sort of this time is more preferable.\n\nIs that right?\n\nChannel 1: Yep. Yes. It usually is. Yes. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's Hi. I've got sorry. Next week is from the seventeenth. My admin team member works late on a Tuesday night.\n\nWould I be able to book it in for, say, 05:30 next Tuesday, the eighteenth? Would that be suitable at all,\n\nChannel 1: Let me see. I'll just try.\n\nChannel 0: Daniel? That's\n\nChannel 1: Gymnaut.\n\nChannel 0: okay.\n\nChannel 1: Gymnaut. Yes. I think they were working good. Yes.\n\nChannel 0: Yep. Beautiful. It'll only take about five to ten minutes to run through it. Samantha's my admin team member, and she's absolutely beautiful at running through these questions for you.\n\nChannel 1: Yep.\n\nChannel 0: I'll get her to have a look at everything, and then I'll go back and review the file as a whole and look at what sort of TBD we can probably get for you as part of the advice.\n\nChannel 1: Those\n\nChannel 0: Okay.\n\nChannel 1: questions will I need what would I would I would these questions be things that I will know straight up or\n\nChannel 0: Yes.\n\nChannel 1: is it something\n\nChannel 0: Yeah.\n\nChannel 1: that I won't have\n\nChannel 0: Abs\n\nChannel 1: to yep.\n\nChannel 0: yeah. No. Absolutely. You won't need to click any medicals or go into any major detail. It's more just\n\nChannel 1: Yep.\n\nChannel 0: going through, you know, how your health has been, any major diagnosis that you know of, when we get diagnosed, what were your symptoms, did you have treatment,\n\nChannel 1: Yep.\n\nChannel 0: things like that. So\n\nChannel 1: Yeah.\n\nChannel 0: if there's\n\nChannel 1: Okay.\n\nChannel 0: anything you're really unsure about, that's absolutely fine. We'll work with it.\n\nChannel 1: Mhmm.\n\nChannel 0: But, yeah, just yeah.\n\nChannel 1: That's\n\nChannel 0: It's\n\nChannel 1: alright.\n\nChannel 0: nothing\n\nChannel 1: That should\n\nChannel 0: that you\n\nChannel 1: should\n\nChannel 0: have to\n\nChannel 1: be\n\nChannel 0: be\n\nChannel 1: easy\n\nChannel 0: crazy\n\nChannel 1: then.\n\nChannel 0: detailed. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. Excellent. Thank you so much for your time. I'll let you go to enjoy your night. I hope you have a good night.\n\nI hope tomorrow is much better for you,\n\nChannel 1: Yeah.\n\nChannel 0: and I will\n\nChannel 1: Thank\n\nChannel 0: get\n\nChannel 1: you.\n\nChannel 0: cracking on this research for you. Okay?\n\nChannel 1: Easy done. Alright. Much very much appreciated. Thank you very\n\nChannel 0: No.\n\nChannel 1: much.\n\nChannel 0: Thank you for taking my call. You have a lovely evening.\n\nChannel 1: No worries. You too. You too when\n\nChannel 0: Thanks,\n\nChannel 1: you get there.\n\nChannel 0: Daniel. I\n\nChannel 1: K.\n\nChannel 0: will. Thanks so much. See you later.\n\nChannel 1: See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.028749022632837296}],"sentiment":"neutral","sentiment_score":0.028749022632837296,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Hi, Daniel.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.10534179583191872},{"text":"It's Zaina from OQ Financial.","start":3.6799998,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.17618741393089293},{"text":"How are you this afternoon?","start":5.44,"end":6.74,"sentiment":"neutral","sentiment_score":0.24115072786808014}],"sentiment":"neutral","sentiment_score":0.19144785838822523,"channel":0,"num_words":12,"start":2.96,"end":6.74},{"sentences":[{"text":"I'm on well, no.","start":7.52,"end":9.12,"sentiment":"neutral","sentiment_score":0.0678285751491785},{"text":"Don't ask me that today.","start":9.12,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.08408654555678367},{"text":"Thanks.","start":10.639999,"end":11.139999,"sentiment":"neutral","sentiment_score":0.14079153537750244},{"text":"It hasn't","start":11.28,"end":11.92,"sentiment":"neutral","sentiment_score":-0.27464013546705246}],"sentiment":"neutral","sentiment_score":-0.046467263561983906,"channel":1,"num_words":12,"start":7.52,"end":11.92},{"sentences":[{"text":"No.","start":11.759999,"end":12.259999,"sentiment":"negative","sentiment_score":-0.4118279218673706}],"sentiment":"negative","sentiment_score":-0.4118279218673706,"channel":0,"num_words":1,"start":11.759999,"end":12.259999},{"sentences":[{"text":"been a good one.","start":11.92,"end":12.88,"sentiment":"negative","sentiment_score":-0.36742158234119415},{"text":"So, yeah,","start":12.88,"end":13.7,"sentiment":"neutral","sentiment_score":-0.11802314594388008}],"sentiment":"neutral","sentiment_score":-0.28428877020875615,"channel":1,"num_words":6,"start":11.92,"end":13.7},{"sentences":[{"text":"I'm","start":13.28,"end":13.725,"sentiment":"neutral","sentiment_score":-0.11353883147239684}],"sentiment":"neutral","sentiment_score":-0.11353883147239684,"channel":0,"num_words":1,"start":13.28,"end":13.725},{"sentences":[{"text":"we'll leave it","start":13.759999,"end":14.4,"sentiment":"neutral","sentiment_score":-0.11920127272605896}],"sentiment":"neutral","sentiment_score":-0.11920127272605896,"channel":1,"num_words":3,"start":13.759999,"end":14.4},{"sentences":[{"text":"so","start":14.205,"end":14.705,"sentiment":"neutral","sentiment_score":-0.12738895416259766}],"sentiment":"neutral","sentiment_score":-0.12738895416259766,"channel":0,"num_words":1,"start":14.205,"end":14.705},{"sentences":[{"text":"at that.","start":14.4,"end":15.059999,"sentiment":"neutral","sentiment_score":-0.1056719683110714},{"text":"Yeah.","start":15.12,"end":15.62,"sentiment":"neutral","sentiment_score":-0.020740937441587448}],"sentiment":"neutral","sentiment_score":-0.07736162468791008,"channel":1,"num_words":3,"start":14.4,"end":15.62},{"sentences":[{"text":"yeah.","start":15.245001,"end":15.645,"sentiment":"neutral","sentiment_score":-0.036299657076597214},{"text":"I'm so sorry to hear that.","start":15.645,"end":17.405,"sentiment":"neutral","sentiment_score":-0.22579749673604965},{"text":"Daniel,","start":17.405,"end":17.805,"sentiment":"neutral","sentiment_score":-0.031691424548625946}],"sentiment":"neutral","sentiment_score":-0.17784700775519013,"channel":0,"num_words":8,"start":15.245001,"end":17.805},{"sentences":[{"text":"That's","start":17.645,"end":17.965,"sentiment":"neutral","sentiment_score":-0.05197762697935104}],"sentiment":"neutral","sentiment_score":-0.05197762697935104,"channel":1,"num_words":1,"start":17.645,"end":17.965},{"sentences":[{"text":"I","start":17.805,"end":18.305,"sentiment":"neutral","sentiment_score":-0.023208364844322205}],"sentiment":"neutral","sentiment_score":-0.023208364844322205,"channel":0,"num_words":1,"start":17.805,"end":18.305},{"sentences":[{"text":"okay.","start":17.965,"end":18.365,"sentiment":"neutral","sentiment_score":0.007051944732666016},{"text":"It's like nature of the beast sometimes.","start":18.365,"end":21.185001,"sentiment":"neutral","sentiment_score":-0.19132795291287558},{"text":"So yeah.","start":21.405,"end":22.305,"sentiment":"neutral","sentiment_score":0.14176183566451073}],"sentiment":"neutral","sentiment_score":-0.10487200543284417,"channel":1,"num_words":10,"start":17.965,"end":22.305},{"sentences":[{"text":"absolutely.","start":22.605,"end":23.105,"sentiment":"neutral","sentiment_score":0.1845989227294922},{"text":"Look.","start":23.244999,"end":23.404999,"sentiment":"neutral","sentiment_score":0.15953826904296875},{"text":"Tomorrow is a brand new day.","start":23.404999,"end":24.765,"sentiment":"neutral","sentiment_score":0.15707669034600258},{"text":"Hopefully, it's better for you.","start":24.765,"end":26.25,"sentiment":"neutral","sentiment_score":0.2471829354763031}],"sentiment":"neutral","sentiment_score":0.19403938547923014,"channel":0,"num_words":13,"start":22.605,"end":26.25},{"sentences":[{"text":"We'll see about that, but that's okay.","start":27.325,"end":29.244999,"sentiment":"neutral","sentiment_score":0.11057178143944059},{"text":"Yeah.","start":29.244999,"end":29.744999,"sentiment":"neutral","sentiment_score":0.20308366417884827}],"sentiment":"neutral","sentiment_score":0.12213576678186655,"channel":1,"num_words":8,"start":27.325,"end":29.744999},{"sentences":[{"text":"Yeah.","start":30.25,"end":30.33,"sentiment":"neutral","sentiment_score":0.26152336597442627},{"text":"All good.","start":30.33,"end":31.23,"sentiment":"positive","sentiment_score":0.43834544718265533},{"text":"Daniel, I did have it booked in to go through your annual review this afternoon.","start":31.369999,"end":34.65,"sentiment":"neutral","sentiment_score":0.23388837575912474},{"text":"Is now still a good time there for you?","start":34.65,"end":36.75,"sentiment":"neutral","sentiment_score":0.23366514345010123}],"sentiment":"neutral","sentiment_score":0.2499824513991674,"channel":0,"num_words":27,"start":30.25,"end":36.75},{"sentences":[{"text":"Well, look, it's not considering, but I'm gonna make an effort big effort because I've already","start":37.52,"end":43.12,"sentiment":"neutral","sentiment_score":-0.004579434797051363}],"sentiment":"neutral","sentiment_score":-0.004579434797051363,"channel":1,"num_words":16,"start":37.52,"end":43.12},{"sentences":[{"text":"Yeah.","start":42.825,"end":43.325,"sentiment":"neutral","sentiment_score":-0.029557805508375168}],"sentiment":"neutral","sentiment_score":-0.029557805508375168,"channel":0,"num_words":1,"start":42.825,"end":43.325},{"sentences":[{"text":"knocked it off a couple of times 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investment.","start":355.055,"end":363.29,"sentiment":"neutral","sentiment_score":0.10800557597367852},{"text":"That","start":363.83002,"end":364.07,"sentiment":"neutral","sentiment_score":0.03611980751156807}],"sentiment":"neutral","sentiment_score":0.10543822710003171,"channel":0,"num_words":28,"start":355.055,"end":364.07},{"sentences":[{"text":"Okay.","start":364.06,"end":364.56,"sentiment":"neutral","sentiment_score":0.019226226955652237}],"sentiment":"neutral","sentiment_score":0.019226226955652237,"channel":1,"num_words":1,"start":364.06,"end":364.56},{"sentences":[{"text":"at the moment in your portfolio is down a little bit, and it is holding your portfolio back a little bit, which is sort of contributing to the lower rate of return this year.","start":364.07,"end":372.87003,"sentiment":"neutral","sentiment_score":-0.1593742570018067},{"text":"So I would like to remove that underperforming investment and replace it with something 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may pop into your mind that you wanna ask.","start":594.35004,"end":605.765,"sentiment":"neutral","sentiment_score":0.15623473174249133},{"text":"So feel free to write it down or give us just contact us, and I'll happily make time to talk you through it.","start":605.765,"end":611.205,"sentiment":"neutral","sentiment_score":0.3040125292280446}],"sentiment":"neutral","sentiment_score":0.20201526366566358,"channel":0,"num_words":114,"start":582.57495,"end":611.205},{"sentences":[{"text":"Okay?","start":611.205,"end":611.705,"sentiment":"neutral","sentiment_score":0.1733933985233307}],"sentiment":"neutral","sentiment_score":0.1733933985233307,"channel":0,"num_words":1,"start":611.205,"end":611.705},{"sentences":[{"text":"Hey.","start":612.155,"end":612.315,"sentiment":"neutral","sentiment_score":0.28423625230789185},{"text":"Thank 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insurances.","start":616.16504,"end":619.54504,"sentiment":"neutral","sentiment_score":0.09593910208115211}],"sentiment":"neutral","sentiment_score":0.16375202611088752,"channel":0,"num_words":20,"start":613.36505,"end":619.54504},{"sentences":[{"text":"Yep.","start":622.35,"end":622.85,"sentiment":"neutral","sentiment_score":0.08508427441120148}],"sentiment":"neutral","sentiment_score":0.08508427441120148,"channel":1,"num_words":1,"start":622.35,"end":622.85},{"sentences":[{"text":"Security here.","start":623.15,"end":624.19,"sentiment":"neutral","sentiment_score":0.057331131771206856},{"text":"So you've got some insurances that are paid out of your super.","start":624.19,"end":627.09,"sentiment":"neutral","sentiment_score":0.04786314473797878},{"text":"You've essentially got your life cover and your TBD.","start":627.31,"end":630.45,"sentiment":"neutral","sentiment_score":0.059057107816139855},{"text":"Now having a look at the file notes I have from previous conversations with our team, it looks like with your TBD definitions, you've got what's called ADL.","start":631.07,"end":641.07495,"sentiment":"neutral","sentiment_score":0.0008442689930754048},{"text":"It's activities of daily living.","start":641.13495,"end":643.39496,"sentiment":"neutral","sentiment_score":-0.014744947105646134}],"sentiment":"neutral","sentiment_score":0.020900870839666044,"channel":0,"num_words":56,"start":623.15,"end":643.39496},{"sentences":[{"text":"Essentially, when you think about TBD,","start":644.095,"end":646.035,"sentiment":"neutral","sentiment_score":-0.04383916438867649}],"sentiment":"neutral","sentiment_score":-0.04383916438867649,"channel":0,"num_words":6,"start":644.095,"end":646.035},{"sentences":[{"text":"Mhmm.","start":645.9,"end":646.4,"sentiment":"neutral","sentiment_score":-0.07770891487598419}],"sentiment":"neutral","sentiment_score":-0.07770891487598419,"channel":1,"num_words":1,"start":645.9,"end":646.4},{"sentences":[{"text":"which is total permanent incapacity, it means you can never go back to work again.","start":646.095,"end":650.5,"sentiment":"neutral","sentiment_score":-0.30492852032184603}],"sentiment":"neutral","sentiment_score":-0.30492852032184603,"channel":0,"num_words":15,"start":646.095,"end":650.5},{"sentences":[{"text":"Yep.","start":650.86005,"end":651.36005,"sentiment":"neutral","sentiment_score":0.06733398139476776}],"sentiment":"neutral","sentiment_score":0.06733398139476776,"channel":1,"num_words":1,"start":650.86005,"end":651.36005},{"sentences":[{"text":"There are three main definitions that you can be insured for.","start":651.12,"end":654.8,"sentiment":"neutral","sentiment_score":0.07444787939841097},{"text":"One is your own occupation.","start":654.8,"end":656.33997,"sentiment":"neutral","sentiment_score":0.11150431782007217},{"text":"That is, as you can imagine, the easiest the easiest sort of definition to claim on.","start":657.04,"end":662.26,"sentiment":"neutral","sentiment_score":0.28234727680683136},{"text":"It just means you never have to be able to go back to work in any occupation for which you are have worked prior to the disability.","start":662.56,"end":670.495,"sentiment":"neutral","sentiment_score":0.03691949598767139},{"text":"They have an any occupation definition, which means you to claim, you need to be never able to go back to work again for occupation which you have worked or educated or trained to have done.","start":671.115,"end":681.67,"sentiment":"neutral","sentiment_score":0.00567709809790055}],"sentiment":"neutral","sentiment_score":0.07468638541667084,"channel":0,"num_words":95,"start":651.12,"end":681.67},{"sentences":[{"text":"Mhmm.","start":681.99,"end":682.49,"sentiment":"neutral","sentiment_score":-0.022550661116838455}],"sentiment":"neutral","sentiment_score":-0.022550661116838455,"channel":1,"num_words":1,"start":681.99,"end":682.49},{"sentences":[{"text":"And then they have an ADL definition, which is activities of daily 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a","start":717.95,"end":718.59,"sentiment":"neutral","sentiment_score":-0.25090407580137253}],"sentiment":"neutral","sentiment_score":-0.1177661905331271,"channel":0,"num_words":105,"start":682.45,"end":718.59},{"sentences":[{"text":"Mhmm.","start":718.575,"end":719.075,"sentiment":"neutral","sentiment_score":-0.28383058309555054}],"sentiment":"neutral","sentiment_score":-0.28383058309555054,"channel":1,"num_words":1,"start":718.575,"end":719.075},{"sentences":[{"text":"much harder definition to sort of claim on.","start":718.59,"end":721.81,"sentiment":"negative","sentiment_score":-0.5353722795844078},{"text":"What I wanted to sort of look at doing was finding out a bit more about where this definition came from.","start":722.35004,"end":729.545,"sentiment":"neutral","sentiment_score":-0.19699881261303312},{"text":"I had a bit of a look through your file, and I can see it was originally recommended as 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for?","start":748.6,"end":754.385,"sentiment":"neutral","sentiment_score":-0.09752840921282768},{"text":"Does that ring a bell at","start":754.385,"end":755.765,"sentiment":"neutral","sentiment_score":-0.0443036217863361}],"sentiment":"neutral","sentiment_score":-0.0852457659605604,"channel":0,"num_words":26,"start":748.6,"end":755.765},{"sentences":[{"text":"No.","start":755.915,"end":756.315,"sentiment":"neutral","sentiment_score":-0.1882944852113724}],"sentiment":"neutral","sentiment_score":-0.1882944852113724,"channel":1,"num_words":1,"start":755.915,"end":756.315},{"sentences":[{"text":"all?","start":756.305,"end":756.805,"sentiment":"neutral","sentiment_score":-0.15454840660095215}],"sentiment":"neutral","sentiment_score":-0.15454840660095215,"channel":0,"num_words":1,"start":756.305,"end":756.805},{"sentences":[{"text":"I don't, 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yeah.","start":796.30005,"end":799.26,"sentiment":"neutral","sentiment_score":0.09300799046953519},{"text":"I'm a bridge and drainage ganger, for for a council.","start":799.26,"end":804.765,"sentiment":"neutral","sentiment_score":0.053079433366656305}],"sentiment":"neutral","sentiment_score":0.06840323931292484,"channel":1,"num_words":19,"start":795.34,"end":804.765},{"sentences":[{"text":"Right.","start":805.69,"end":806.055,"sentiment":"neutral","sentiment_score":0.06608656048774719},{"text":"And so so what does your day to day tasks look like in your role?","start":806.21497,"end":809.975,"sentiment":"neutral","sentiment_score":0.050668138762315115},{"text":"What would you normally be doing on a day to day basis?","start":809.975,"end":813.035,"sentiment":"neutral","sentiment_score":0.02980051888152957}],"sentiment":"neutral","sentiment_score":0.04227553101788674,"channel":0,"num_words":28,"start":805.69,"end":813.035},{"sentences":[{"text":"Well, if I'm talking right now, as being 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better definition and put you in a better position and give you a better level of cover, I can keep it exactly at the same level of cover as what you have for life, but I can make the recommendations, show you how that affects you, show you what's on offer, the advantages, the disadvantages, the risks involved, and then you get to decide whether you take that or not.","start":1607.37,"end":1627.265,"sentiment":"neutral","sentiment_score":0.157592265394988},{"text":"It's really important to note that when we provide advice, we're providing you with the 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that might have been.","start":1648.965,"end":1650.505,"sentiment":"neutral","sentiment_score":-0.04785241112112999},{"text":"It does look like in the original advice piece, there was a bit of an error.","start":1650.565,"end":1654.325,"sentiment":"neutral","sentiment_score":-0.18079701717942953},{"text":"So from what I can see here, the original advice had recommended had recommended the any occupation definition, but it looks like the quote that was provided was the ADL definition.","start":1654.325,"end":1667.4401,"sentiment":"neutral","sentiment_score":-0.07960897636029028},{"text":"So they applied for this definition of PVD, but the document had it noted that it wasn't any occupation.","start":1667.5,"end":1674.355,"sentiment":"neutral","sentiment_score":-0.10832391012656062},{"text":"So I've been sort of going through the file looking over the last couple of years to see where the disconnect was and what actually was happening, and I just kinda can't find it exactly.","start":1674.575,"end":1683.375,"sentiment":"neutral","sentiment_score":-0.21088731288909912}],"sentiment":"neutral","sentiment_score":-0.1418783286902702,"channel":0,"num_words":106,"start":1648.965,"end":1683.375},{"sentences":[{"text":"So so I'll go back and review it.","start":1683.375,"end":1686.4501,"sentiment":"neutral","sentiment_score":-0.06823610002174973},{"text":"I'm also gonna send this through to our head of advice for remediation actions.","start":1686.4501,"end":1692.2101,"sentiment":"neutral","sentiment_score":-0.00133181203688894},{"text":"She'll go back through and investigate what happened, how it all came about.","start":1692.2101,"end":1695.91,"sentiment":"neutral","sentiment_score":-0.014157192638287177},{"text":"And if there's any kind of remediation that we need to make, we'll make sure we do that.","start":1696.05,"end":1700.685,"sentiment":"neutral","sentiment_score":0.004950628098514345},{"text":"But I would like to just make sure that you have the 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which is always a good backup, which funds our bloody you know, our funds our what we our shortfall for the units.","start":2085.485,"end":2092.7852,"sentiment":"neutral","sentiment_score":0.2842372150524803},{"text":"So yeah.","start":2092.925,"end":2093.745,"sentiment":"neutral","sentiment_score":0.1002674289047718}],"sentiment":"neutral","sentiment_score":0.2695196321606636,"channel":1,"num_words":25,"start":2085.485,"end":2093.745},{"sentences":[{"text":"Yep.","start":2093.29,"end":2093.79,"sentiment":"neutral","sentiment_score":0.12172503769397736},{"text":"Yep.","start":2094.09,"end":2094.59,"sentiment":"neutral","sentiment_score":0.23139578104019165},{"text":"Excellent.","start":2094.65,"end":2095.15,"sentiment":"positive","sentiment_score":0.7289952039718628},{"text":"Lovely.","start":2095.21,"end":2095.69,"sentiment":"positive","sentiment_score":0.6770440340042114},{"text":"If you were to say quantify, do you feel like saying about $300 per week is fairly average or accurate 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you so much for your time.","start":3897.075,"end":3898.675,"sentiment":"positive","sentiment_score":0.5220282460962024},{"text":"I'll let you go to enjoy your night.","start":3898.675,"end":3900.435,"sentiment":"positive","sentiment_score":0.5321092829108238},{"text":"I hope you have a good night.","start":3900.435,"end":3901.875,"sentiment":"positive","sentiment_score":0.4745557648794992}],"sentiment":"positive","sentiment_score":0.4840709650889039,"channel":0,"num_words":24,"start":3895.7148,"end":3901.875},{"sentences":[{"text":"I hope tomorrow is much better for you,","start":3901.875,"end":3904.2148,"sentiment":"neutral","sentiment_score":0.3137686960399151}],"sentiment":"neutral","sentiment_score":0.3137686960399151,"channel":0,"num_words":8,"start":3901.875,"end":3904.2148},{"sentences":[{"text":"Yeah.","start":3904.575,"end":3904.975,"sentiment":"neutral","sentiment_score":0.2048923373222351}],"sentiment":"neutral","sentiment_score":0.2048923373222351,"channel":1,"num_words":1,"start":3904.575,"end":3904.975},{"sentences":[{"text":"and I will","start":3904.595,"end":3905.075,"sentiment":"neutral","sentiment_score":0.20201712350050607}],"sentiment":"neutral","sentiment_score":0.20201712350050607,"channel":0,"num_words":3,"start":3904.595,"end":3905.075},{"sentences":[{"text":"Thank","start":3904.975,"end":3905.215,"sentiment":"positive","sentiment_score":0.4169448018074035}],"sentiment":"positive","sentiment_score":0.4169448018074035,"channel":1,"num_words":1,"start":3904.975,"end":3905.215},{"sentences":[{"text":"get","start":3905.075,"end":3905.2349,"sentiment":"positive","sentiment_score":0.4389079213142395}],"sentiment":"positive","sentiment_score":0.4389079213142395,"channel":0,"num_words":1,"start":3905.075,"end":3905.2349},{"sentences":[{"text":"you.","start":3905.215,"end":3905.715,"sentiment":"positive","sentiment_score":0.3684931993484497}],"sentiment":"positive","sentiment_score":0.3684931993484497,"channel":1,"num_words":1,"start":3905.215,"end":3905.715},{"sentences":[{"text":"cracking on this research for you.","start":3905.2349,"end":3907.31,"sentiment":"positive","sentiment_score":0.3584342797597249},{"text":"Okay?","start":3907.31,"end":3907.81,"sentiment":"neutral","sentiment_score":0.1866743266582489}],"sentiment":"positive","sentiment_score":0.3338971436023712,"channel":0,"num_words":7,"start":3905.2349,"end":3907.81},{"sentences":[{"text":"Easy done.","start":3907.4202,"end":3908.1401,"sentiment":"positive","sentiment_score":0.338078036904335},{"text":"Alright.","start":3908.1401,"end":3908.46,"sentiment":"neutral","sentiment_score":0.26022839546203613},{"text":"Much very much appreciated.","start":3908.46,"end":3909.6802,"sentiment":"positive","sentiment_score":0.49356985092163086},{"text":"Thank you very","start":3909.74,"end":3910.3,"sentiment":"neutral","sentiment_score":0.2508677840232849}],"sentiment":"positive","sentiment_score":0.3663267225027084,"channel":1,"num_words":10,"start":3907.4202,"end":3910.3},{"sentences":[{"text":"No.","start":3910.19,"end":3910.43,"sentiment":"neutral","sentiment_score":0.17229731380939484}],"sentiment":"neutral","sentiment_score":0.17229731380939484,"channel":0,"num_words":1,"start":3910.19,"end":3910.43},{"sentences":[{"text":"much.","start":3910.3,"end":3910.557,"sentiment":"neutral","sentiment_score":0.2249773740768433}],"sentiment":"neutral","sentiment_score":0.2249773740768433,"channel":1,"num_words":1,"start":3910.3,"end":3910.557},{"sentences":[{"text":"Thank you for taking my call.","start":3910.43,"end":3911.87,"sentiment":"positive","sentiment_score":0.46138501167297363},{"text":"You have a lovely evening.","start":3911.87,"end":3913.33,"sentiment":"positive","sentiment_score":0.5375686407089233}],"sentiment":"positive","sentiment_score":0.4960139339620417,"channel":0,"num_words":11,"start":3910.43,"end":3913.33},{"sentences":[{"text":"No worries.","start":3913.7568,"end":3914.4968,"sentiment":"neutral","sentiment_score":0.16165318340063095},{"text":"You too.","start":3914.557,"end":3915.117,"sentiment":"neutral","sentiment_score":0.13122371584177017},{"text":"You too when","start":3915.117,"end":3915.7568,"sentiment":"neutral","sentiment_score":0.08220890164375305}],"sentiment":"neutral","sentiment_score":0.11891150048800878,"channel":1,"num_words":7,"start":3913.7568,"end":3915.7568},{"sentences":[{"text":"Thanks,","start":3915.71,"end":3916.11,"sentiment":"neutral","sentiment_score":0.20509225130081177}],"sentiment":"neutral","sentiment_score":0.20509225130081177,"channel":0,"num_words":1,"start":3915.71,"end":3916.11},{"sentences":[{"text":"you get there.","start":3915.7568,"end":3916.577,"sentiment":"neutral","sentiment_score":0.21696166197458902}],"sentiment":"neutral","sentiment_score":0.21696166197458902,"channel":1,"num_words":3,"start":3915.7568,"end":3916.577},{"sentences":[{"text":"Daniel.","start":3916.11,"end":3916.61,"sentiment":"neutral","sentiment_score":0.10620111972093582},{"text":"I","start":3916.9102,"end":3917.1501,"sentiment":"neutral","sentiment_score":0.07927270978689194}],"sentiment":"neutral","sentiment_score":0.09273691475391388,"channel":0,"num_words":2,"start":3916.11,"end":3917.1501},{"sentences":[{"text":"K.","start":3917.0369,"end":3917.5369,"sentiment":"neutral","sentiment_score":0.09355255961418152}],"sentiment":"neutral","sentiment_score":0.09355255961418152,"channel":1,"num_words":1,"start":3917.0369,"end":3917.5369},{"sentences":[{"text":"will.","start":3917.1501,"end":3917.55,"sentiment":"neutral","sentiment_score":0.1401267945766449},{"text":"Thanks so much.","start":3917.55,"end":3918.35,"sentiment":"positive","sentiment_score":0.5053689877192179},{"text":"See you later.","start":3918.35,"end":3919.09,"sentiment":"neutral","sentiment_score":0.2667655646800995}],"sentiment":"positive","sentiment_score":0.3509329216820853,"channel":0,"num_words":7,"start":3917.1501,"end":3919.09},{"sentences":[{"text":"See you.","start":3919.5168,"end":3919.837,"sentiment":"neutral","sentiment_score":0.18866956233978271},{"text":"Bye.","start":3919.837,"end":3920.337,"sentiment":"neutral","sentiment_score":0.13967245817184448}],"sentiment":"neutral","sentiment_score":0.1723371942838033,"channel":1,"num_words":3,"start":3919.5168,"end":3920.337},{"sentences":[{"text":"Bye.","start":3920.51,"end":3921.01,"sentiment":"neutral","sentiment_score":0.02160795032978058}],"sentiment":"neutral","sentiment_score":0.02160795032978058,"channel":0,"num_words":1,"start":3920.51,"end":3921.01}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial discuss the customer's annual review and investment portfolio, suggesting updating it and adding more active management to make investments that may perform better in the future. The importance of taking risks and staying in the high growth portfolio is emphasized, along with avoiding downtime and maintaining positive returns on investment. A follow-up call is scheduled for the next week to provide further advice and help with pre assessment."},"intents":{"segments":[{"text":"Daniel, I did have it booked in to go through your annual review this afternoon. Is now still a good time there for you?","start_word":84,"end_word":107,"intents":[{"intent":"Review annual review","confidence_score":0.00095293106}]},{"text":"Now we we had sort of sent you originally your annual review docs, and it looks like you have signed them.","start_word":307,"end_word":327,"intents":[{"intent":"Confirm receipt of review document","confidence_score":0.000047972222}]},{"text":"So I am happy to sort of send you a new copy, but what I'll do is I'll go through and give you an update of your sofa. Yep.","start_word":329,"end_word":357,"intents":[{"intent":"Update sofa","confidence_score":0.8133357},{"intent":"Provide update","confidence_score":0.17167692}]},{"text":"Now before I jump into the call completely, I do have to let you know we do record our call for quality and training purposes. Are you happy for me to proceed with that? Yeah.","start_word":426,"end_word":460,"intents":[{"intent":"Record call","confidence_score":0.20426331},{"intent":"Start conversation","confidence_score":0.10705266}]},{"text":"And just to do a really quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file there. Yeah.","start_word":465,"end_word":497,"intents":[{"intent":"Confirm details","confidence_score":0.016114214}]},{"text":"When I sorta have a look at how your portfolio as a whole has return for the year and net of fees, it does show that your super fund has made, sorry, a Thanks, lot Pat. much it is a lower return for the year. So it is around 2.97%, but it is wholly because of the market as a whole this year. We have Yep.","start_word":671,"end_word":736,"intents":[{"intent":"Analyze portfolio returns","confidence_score":0.10415348}]},{"text":"I have had a look at your portfolio. You have been in a sort of an older portfolio for a while now, and I sorta can see some investments where they might be slightly underperforming where we can certainly make Right.","start_word":1038,"end_word":1078,"intents":[{"intent":"Evaluate portfolio upgrades","confidence_score":0.0009809217}]},{"text":"Would you like me to maybe look at swapping that out and reducing the cost a little bit, maybe putting something in its place that's a little bit more passively managed, lower cost, or do you still wanna see some sort of active management in your portfolio? What would you sort of like to see?","start_word":1407,"end_word":1461,"intents":[{"intent":"Explore portfolio options","confidence_score":0.021592073},{"intent":"Explore portfolio preferences","confidence_score":0.007941911}]},{"text":"I can look at all the different options and come up with a portfolio that's showing greater performance for you, might have put you in a better moving forward, might be cheaper for you as well, have more money left in your sleep by working harder for you, and all around, be a much greater portfolio.","start_word":1677,"end_word":1732,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.0008437507}]},{"text":"Would you like me just to look at everything and see what I come up with and just update the recommendations to show you how and what I'm recommending and Sure, I guess.","start_word":1733,"end_word":1765,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.028668307}]},{"text":"You're welcome to ask me anything if there's something you want me to explain in more detail or breakdown or if you had any additional questions in relation to any of that.","start_word":1777,"end_word":1808,"intents":[{"intent":"Explain details","confidence_score":0.00036570683},{"intent":"Obtain advice","confidence_score":0.0015579639},{"intent":"Ask questions","confidence_score":0.6543456},{"intent":"Provide information","confidence_score":0.03040851}]},{"text":"I'll come back and show you the advice document with what I'm recommending, the advantages, the disadvantages, and the risks involved. And then if you have questions when you're looking at that, that way you can sort of ask questions about the portfolio, what I'm recommending, and all that sort of thing.","start_word":1923,"end_word":1974,"intents":[{"intent":"Provide advice","confidence_score":0.066548064},{"intent":"Give advice","confidence_score":0.0024577766}]},{"text":"I'll make time to answer those questions. I know sometimes when you put on the spot questions just don't pop up, but later on, you might be sort of running through the conversation or, you know, having a think about what we've gone through and something may pop into your mind that you wanna ask. So feel free to write it down or give us just contact us, and I'll happily make time to talk you through it. Okay?","start_word":2040,"end_word":2118,"intents":[{"intent":"Answer questions","confidence_score":0.084257275}]},{"text":"There are three main definitions that you can be insured for. One is your own occupation.","start_word":2222,"end_word":2237,"intents":[{"intent":"Determine definitions","confidence_score":0.0010353645},{"intent":"Compare definitions","confidence_score":0.0029600218}]},{"text":"What I wanted to sort of look at doing was finding out a bit more about where this definition came from.","start_word":2432,"end_word":2452,"intents":[{"intent":"Assess definition origin","confidence_score":0.00020139036}]},{"text":"I'm just going to, while we're chatting, just kinda go back and have a look to see if anything kinda comes out because I went through your file, and I just couldn't see the main reason behind it there.","start_word":2565,"end_word":2603,"intents":[{"intent":"Identify main reason","confidence_score":0.00013744154}]},{"text":"I'm just going to, while we're chatting, just kinda go back and have a look to see if anything kinda comes out because I went through your file, and I just couldn't see the main reason behind it there. But just to sort of touch on your occupation, what is it occupation, what is it you actually do for work?","start_word":2565,"end_word":2624,"intents":[{"intent":"Clarify occupation","confidence_score":0.0057212426}]},{"text":"And so so what does your day to day tasks look like in your role? What would you normally be doing on a day to day basis?","start_word":2687,"end_word":2713,"intents":[{"intent":"Discuss daily tasks","confidence_score":0.0019419059},{"intent":"Understand role role","confidence_score":0.0005712332}]},{"text":"Are you open with me doing a little bit of extra research around the definition of PPD and seeing if we're able to get anything additional for you?","start_word":2815,"end_word":2842,"intents":[{"intent":"Request additional information","confidence_score":0.024111895}]},{"text":"That might be I mean, I think one of the biggest things when you've got insurances, you if you're gonna be paying for these, especially out of your sleep, you wanna make sure you're able to claim on that cover. Mhmm.","start_word":2843,"end_word":2883,"intents":[{"intent":"Inquire about insurance coverage","confidence_score":0.029814567}]},{"text":"That's because this this sort of definition right. is much harder to claim on, as you can imagine, to be able to meet the condition of not being able to do, say, two to three of the five activities of daily living, you have to be pretty well bedridden or disabled. So it means it's very Yeah.","start_word":2887,"end_word":2943,"intents":[{"intent":"Qualify for disability definition","confidence_score":0.00070806284}]},{"text":"The the only thing I can think of is do I had to do a medical or something, I think. Was that correct? Yeah.","start_word":2964,"end_word":2987,"intents":[{"intent":"Update medical information","confidence_score":0.18079427}]},{"text":"I mean, realistically, when you sort of look at insurances, being on antidepressants and having mental health, it looks like you've also got a mental health exclusion on the policy, and that would be fairly normal. But, generally, whenever because mental health is one of the biggest things that our claim for, especially disability cover, they do add mental health Yeah.","start_word":3099,"end_word":3159,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.007114502}]},{"text":"A pre assessment is just a bit more detail around your health. My admin will give you a call. Takes about five to ten minutes. They just go through and ask a few more in-depth questions about your health, about your family history, and about your work and occupation there, and then I take all of that back to the different insurers out there.","start_word":3258,"end_word":3321,"intents":[{"intent":"Educate about insurance coverage","confidence_score":0.01272504}]},{"text":"just sort of confirming, like, if you were to pass away today, are you wanting that to be paid out to Kylie?","start_word":3757,"end_word":3778,"intents":[{"intent":"Confirm payment plan","confidence_score":0.20229462}]},{"text":"So Kylie is your wife. Is that right? Yes. Yeah.","start_word":3779,"end_word":3788,"intents":[{"intent":"Confirm interest in kylie","confidence_score":0.0009906683}]},{"text":"Is that right? Yes.","start_word":3784,"end_word":3787,"intents":[{"intent":"Verify spouse's identity","confidence_score":0.00005584013}]},{"text":"double checking That's the debt level. Sorry.","start_word":3854,"end_word":3860,"intents":[{"intent":"Discuss debt level","confidence_score":0.0078198435}]},{"text":"So no debt on that property. Now No I've got bid your on that. the older investment property that you owned last year when we did the under review, again, I had a debt owing of 400,000.","start_word":3990,"end_word":4026,"intents":[{"intent":"Address debt","confidence_score":0.02171269}]},{"text":"Or if she, you know, needed to pay off that, say, we've got $9.63 and we've 540,000, it would leave, sorry, $6.93. $6.93 minus 540,000. It would essentially leave a debt of about 153,000 if she used a lot money to pay off as much of both those properties as possible. But then Yeah.","start_word":4344,"end_word":4397,"intents":[{"intent":"Resolve debts","confidence_score":0.001415178}]},{"text":"And with the type of cover you do have as well, it is indexed every year, which basically means that every year that the policy goes through a renewal, it increases, but the sum insured is increased a little bit. So it's indexed along with CPI. Okay.","start_word":4625,"end_word":4671,"intents":[{"intent":"Determine policy coverage","confidence_score":0.000051176987},{"intent":"Discuss policy definition","confidence_score":0.10718821}]},{"text":"But the main reason we have TBD insurance is that it's total permanent disability, and it sort of pays out either a lump sum benefit or an income stream if we can never go back to work again.","start_word":4948,"end_word":4985,"intents":[{"intent":"Discuss policy benefits","confidence_score":0.11618592}]},{"text":"So are you comfortable with me going back? Did you wanna keep TBD, and did you want me to go back and look at the definitions and see what kind of TBD?","start_word":5136,"end_word":5167,"intents":[{"intent":"Determine tbd needs","confidence_score":0.000016251}]},{"text":"It's really important to note that when we provide advice, we're providing you with the recommendations. You Mhmm.","start_word":5353,"end_word":5370,"intents":[{"intent":"Provide recommendations","confidence_score":0.12453598}]},{"text":"It's really important to note that when we provide advice, we're providing you with the recommendations. You Mhmm. get to decide whether you take those recommendations or not. You're more than welcome to say, I wanna take all the advice, none of it, or just some of it. It's completely your decision. Yeah.","start_word":5353,"end_word":5405,"intents":[{"intent":"Recommend recommendation","confidence_score":0.0031251812}]},{"text":"It does look like in the original advice piece, there was a bit of an error.","start_word":5439,"end_word":5454,"intents":[{"intent":"Explain confusion","confidence_score":0.0011366439}]},{"text":"And if there's any kind of remediation that we need to make, we'll make sure we do that. But I would like to just make sure that you have the best definitions of TBD and that you know what it is that you're insured for so you know how to claim if that was to ever become a possibility. How Yep.","start_word":5575,"end_word":5635,"intents":[{"intent":"Discuss definition and remediation actions","confidence_score":0.00014841705}]},{"text":"How Yep.","start_word":5634,"end_word":5635,"intents":[{"intent":"Identify potential reasons","confidence_score":4.221791e-7}]},{"text":"Now just the other sorts of insurances that you don't have at the moment are income protection and trauma. Now has anyone ever discussed those types of personal insurances with you in the past, or do you know how those types of covers work at all?","start_word":5814,"end_word":5859,"intents":[{"intent":"Educate about coverage options","confidence_score":0.00017908578}]},{"text":"an example, if you were, say, earning, you know, $5,000 on a monthly basis there, they would get your pay slips to show your monthly income and how that looks pre disability.","start_word":6068,"end_word":6099,"intents":[{"intent":"Gather data about income","confidence_score":0.00024806184}]},{"text":"And longer term, if you weren't then able to go back to work, we would try to look at, you know, TBD or releasing super, and your wife still has income coming in. So you feel you're pretty comfortable with that income protection that everything would be okay long term? Yeah. Absolutely.","start_word":6459,"end_word":6510,"intents":[{"intent":"Discuss income protection","confidence_score":0.06765593}]},{"text":"love that. It's That's beautiful.","start_word":6534,"end_word":6538,"intents":[{"intent":"Express gratitude","confidence_score":0.118355125}]},{"text":"So So expenses have dropped a little bit. That's nice. so I feel the expenses have dropped a bit. Yeah.","start_word":6732,"end_word":6751,"intents":[{"intent":"Understand expenses","confidence_score":0.008271593}]},{"text":"we have a reasonably healthy savings account, I guess, you might as well say, Okay.","start_word":6769,"end_word":6783,"intents":[{"intent":"Discuss savings account","confidence_score":0.09748645}]},{"text":"Now the last type of insurances I do need to talk about is trauma. So So trauma tends to pad a lump sum tax free benefit in the event that you're, say, diagnosed with a major traumatic condition. So some of the main ones that people claim on for trauma are, say, heart attack, stroke, Parkinson's, MS, or cancer is probably the biggest one.","start_word":6943,"end_word":7006,"intents":[{"intent":"Clarify insurance coverage for trauma","confidence_score":0.0034731203}]},{"text":"Now just to kinda clarify and go through a few more details with regards to your circumstances, income last year, we had you on about 80,000. Have you had a pay increase since then at all?","start_word":7156,"end_word":7191,"intents":[{"intent":"Clarify income and pay increase","confidence_score":0.05393219}]},{"text":"Now we've confirmed most of the debt levels on the properties there, but with your main primary residence, we had an asset value last year of about 900,000. What sort of what sort of value would you put on the property now, do you think?","start_word":7263,"end_word":7307,"intents":[{"intent":"Confirm debt level and asset value","confidence_score":0.066060476},{"intent":"Confirm property value","confidence_score":0.15985115},{"intent":"Clarify property value","confidence_score":0.08143208},{"intent":"Clarify property value","confidence_score":0.22498184}]},{"text":"Asset value on that last year was about 50,000. If you were to sell the vehicle to recurve rate costs. What kind of sale price would you put on it? What would you want what value is it to you? Look.","start_word":7547,"end_word":7587,"intents":[{"intent":"Report car value","confidence_score":0.00042811836}]},{"text":"And you mentioned you've got some savings there as well. Do you know how much you have in your savings account as backup?","start_word":7606,"end_word":7628,"intents":[{"intent":"Mention savings","confidence_score":0.0012484617}]},{"text":"I've got a twin cab u a '13 model Mazda. Yep.","start_word":7657,"end_word":7667,"intents":[{"intent":"Identify car","confidence_score":0.000095058786},{"intent":"Describe car model","confidence_score":0.00035867657}]},{"text":"Another asset I like to note down is contents. I know it's sorta hard to value what your contents is. Do you know what your contents would be on your home and contents insurance, what you'd have it valued at roughly?","start_word":7722,"end_word":7762,"intents":[{"intent":"Inquire about contents","confidence_score":0.108743444}]},{"text":"Now the other thing we wanted to sort of check on is the estate planning aspect. Now having a look here, it says that you and your wife have done a will in the past. Is your will still active, and does it reflect your current wishes that you're aware of? Have you had it reviewed or anything? Yes.","start_word":7909,"end_word":7967,"intents":[{"intent":"Check estate planning","confidence_score":0.45949483},{"intent":"Check will","confidence_score":0.03653038}]},{"text":"And do you have a power of attorney set up as part of that? Yeah.","start_word":7981,"end_word":7995,"intents":[{"intent":"Set up super beneficiary","confidence_score":0.12782858}]},{"text":"got down here Kylie, so your wife for a 100%. Does that reflect your wishes? You're still comfortable with that nomination? Yes. Yep.","start_word":8075,"end_word":8097,"intents":[{"intent":"Confirm trust","confidence_score":0.0018577805}]},{"text":"And I'm just quickly logging in to see what is on the the insurance for you as well just to make sure that's reflective of your wishes. Sorry.","start_word":8100,"end_word":8127,"intents":[{"intent":"Log in","confidence_score":0.4827669},{"intent":"Confirm insurance","confidence_score":0.049379095}]},{"text":"I'll tell her Now to leave you me a bit longer because it'll get better. It'll get more.","start_word":8198,"end_word":8215,"intents":[{"intent":"Get more time","confidence_score":0.00007247893}]},{"text":"What's your thoughts on your retirement age?","start_word":8267,"end_word":8273,"intents":[{"intent":"Understand retirement age","confidence_score":0.0054625524},{"intent":"Find out retirement age","confidence_score":0.033061557}]},{"text":"So, yeah, so I guess that was part thereof trying to look into the future. So, you Yep.","start_word":8292,"end_word":8309,"intents":[{"intent":"Look into future","confidence_score":0.078841604}]},{"text":"So, Yeah. yeah, I like to tinker in the shed. It'd be good not to have to come and have a day like I had today. So Yeah.","start_word":8334,"end_word":8361,"intents":[{"intent":"Travel","confidence_score":0.036845796}]},{"text":"How do you sort of feel about that goal at the moment, and what age would you like me to focus on goal wise? look.","start_word":8434,"end_word":8458,"intents":[{"intent":"Focus on goal","confidence_score":0.23969185}]},{"text":"No. That's absolutely fine. That's not a problem at all. And down the track, if you do require those sorts of services, we can assist you in that area. It's not an issue at all. Okay? Mhmm.","start_word":8839,"end_word":8875,"intents":[{"intent":"Provide assistance","confidence_score":0.00032903938}]},{"text":"Do you have any other goals down the track? I know paying down those investment properties is probably one of your sort of goals with regards to the debt there. But do you guys have any other goals that you would wanna sort of note down at all? Probably no.","start_word":9006,"end_word":9055,"intents":[{"intent":"Inquire about goals","confidence_score":0.00021623331}]},{"text":"It's good to have that kind of relationship. I know.","start_word":9256,"end_word":9265,"intents":[{"intent":"Share interest and location","confidence_score":0.0000037848665},{"intent":"Understand relationship","confidence_score":0.0035686658}]},{"text":"recently just moved out into my investment property. So it's kind of like giving Oh, them a little bit of an arm's length to say, here's some space to yes. grow.","start_word":9284,"end_word":9314,"intents":[{"intent":"Discuss growth","confidence_score":0.004567343}]},{"text":"if we had that time again, we probably could have just done something in the yeah.","start_word":9394,"end_word":9409,"intents":[{"intent":"Discuss future conversation","confidence_score":0.0001937195}]},{"text":"But I got our kids are 24 and 22 or nearly 23. So Wow.","start_word":9476,"end_word":9489,"intents":[{"intent":"Discuss children's age","confidence_score":0.11842632}]},{"text":"If you sort of fall drastically with what was happening in the market generally. Yeah.","start_word":9940,"end_word":9954,"intents":[{"intent":"Discuss market trends","confidence_score":0.122729935}]},{"text":"Anything over 10%, the portfolio has overperformed. Anything under 8% isn't underperformance for the year.","start_word":10458,"end_word":10472,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.035172578}]},{"text":"Do you feel like you wanna start reducing your risk level a bit, or are you happy just to keep it a bit higher in that high growth portfolio for a bit longer and maybe review it in a year's time? What would you be comfortable Yeah.","start_word":10608,"end_word":10654,"intents":[{"intent":"Maximize growth portfolio","confidence_score":0.0000126849245},{"intent":"Review high growth portfolio","confidence_score":0.20260014}]},{"text":"And I'll update the advice for you as well.","start_word":10760,"end_word":10768,"intents":[{"intent":"Update advice","confidence_score":0.9309443}]},{"text":"So it does mean that your super has performed. You've made the 1.65% for the year, but then additional growth on top of that. So whilst it is lower, it still is growth, and it still Yep. is compounding forward, which is a positive thing for you. Yeah.","start_word":10881,"end_word":10928,"intents":[{"intent":"Assess super performance","confidence_score":0.0007987583}]},{"text":"But do you have any questions around the fee or our services or anything in relation to what I've gone through at all for you?","start_word":10944,"end_word":10968,"intents":[{"intent":"Address fees","confidence_score":0.01912107},{"intent":"Assist with fees","confidence_score":0.004455665}]},{"text":"if you ever are feeling concerned, nervous, call me because I'll definitely look at those sorts of things differently.","start_word":11315,"end_word":11333,"intents":[{"intent":"Address portfolio concerns","confidence_score":0.00028743825}]},{"text":"The markets have shown good recovery from that point. We've all seen some really good growth there. And there is a little bit more within the market. There is Yep.","start_word":11386,"end_word":11415,"intents":[{"intent":"Evaluate market performance","confidence_score":0.076982535}]},{"text":"Before I let you go, I'm just gonna quickly book in a time for one of my beautiful team members to go to your pre assessment with you next week. I know later in the afternoon around about sort of this time is more preferable. Is that right? Yep.","start_word":12383,"end_word":12431,"intents":[{"intent":"Plan and book consultation for pre assessment","confidence_score":0.0000010141637}]},{"text":"Would I be able to book it in for, say, 05:30 next Tuesday, the eighteenth?","start_word":12463,"end_word":12477,"intents":[{"intent":"Book appointment","confidence_score":0.18760008}]},{"text":"I'll get her to have a look at everything, and then I'll go back and review the file as a whole and look at what sort of TBD we can probably get for you as part of the advice. Those Okay.","start_word":12533,"end_word":12573,"intents":[{"intent":"Review file","confidence_score":0.31224275}]},{"text":"questions will I need what would I would I would these questions be things that I will know straight up or Yes.","start_word":12574,"end_word":12595,"intents":[{"intent":"Ask questions","confidence_score":0.0601765}]},{"text":"You won't need to click any medicals or go into any major detail. It's more just Yep. going through, you know, how your health has been, any major diagnosis that you know of, when we get diagnosed, what were your symptoms, did you have treatment, Yep. things like that.","start_word":12610,"end_word":12658,"intents":[{"intent":"Discuss diagnosis","confidence_score":0.0847906}]},{"text":"See you later. See you. Bye. Bye.","start_word":12787,"end_word":12793,"intents":[{"intent":"End conversation","confidence_score":0.24822241}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Daniel. It's Zaina from OQ Financial. How are you this afternoon? I'm on well, no. Don't ask me that today. Thanks. It hasn't No.","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.03995393216609955},{"text":"been a good one.","start_word":26,"end_word":29,"sentiment":"negative","sentiment_score":-0.36641401052474976},{"text":"So, yeah, I'm we'll leave it so at that. Yeah. yeah. I'm so sorry to hear that. Daniel, That's I okay. It's like nature of the beast sometimes. So yeah. absolutely. Look. Tomorrow is a brand new day. Hopefully, it's better for you. We'll see about that, but that's okay. Yeah. Yeah.","start_word":30,"end_word":81,"sentiment":"neutral","sentiment_score":0.01640038751065731},{"text":"All good.","start_word":82,"end_word":83,"sentiment":"positive","sentiment_score":0.42582404613494873},{"text":"Daniel, I did have it booked in to go through your annual review this afternoon. Is now still a good time there for you? Well, look, it's not considering, but I'm gonna make an effort big effort because I've already Yeah. knocked it off a couple of times already. So That's because that's of okay. things going on. So, yeah, Not sometimes that's we we honestly, got yeah, look, I've made honest okay. yeah. If you if it's not a good time for you, I do not mind. I'm happy to work around your schedule. If you do have time to run through a status, absolutely fine. I don't wanna sort of make your day worse if if you're going through quite a lot, but at the same time, doing a new review might take your mind off of it. So how would you like to sort of proceed? What would you like me to do? Yeah. Look. Let let let us do it because like I said, I've I've already, Okay. yeah, I think twice now. I think there was something on twice, I think. Yep. And, yeah, I don't wanna do it again. So That's okay. yeah. Absolutely fine. Not a problem at all. Well, I'm trying not to take up too much of your precious time Yep. there. That's okay. Now we we had sort of sent you originally your annual review docs, and it looks like you have signed them.","start_word":84,"end_word":327,"sentiment":"neutral","sentiment_score":-0.033936578780412674},{"text":"So I am happy to sort of send you a new copy, but what I'll do is I'll go through and give you an update of your sofa.","start_word":328,"end_word":355,"sentiment":"positive","sentiment_score":0.3919000327587128},{"text":"Yep. I have had a bit of a look at things for you, and I can see that there is some advice that we might be able to provide to update for you. So I'll go through what I've been looking at, give Right. you an update on things, and then we'll go through and update all of your circumstances as well. Okay? Yeah. Yeah. Okay. No worries.","start_word":356,"end_word":423,"sentiment":"neutral","sentiment_score":0.16776414215564728},{"text":"Excellent. Lovely.","start_word":424,"end_word":425,"sentiment":"positive","sentiment_score":0.7316564321517944},{"text":"Now before I jump into the call completely, I do have to let you know we do record our call for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine. Yep.","start_word":426,"end_word":463,"sentiment":"neutral","sentiment_score":0.13463716208934784},{"text":"Fantastic.","start_word":464,"end_word":464,"sentiment":"positive","sentiment_score":0.6106778383255005},{"text":"And just to do a really quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file there. Yeah. So Daniel Davies, twenty fourth Yep. of the fourth seventy seven, and Yep. my address is 3 Anvil Road, Jindra.","start_word":465,"end_word":517,"sentiment":"neutral","sentiment_score":0.14071835577487946},{"text":"Fantastic. Thank you so much for that.","start_word":518,"end_word":524,"sentiment":"positive","sentiment_score":0.7191048860549927},{"text":"So, Daniel, just to give you a bit of an update. Now last time when we caught up for your annual review, last year, your balance was around 250,682. Looking at your Yep. balance as of the July 8, which is when we updated the documents, you're up to $266,001.44 there.","start_word":525,"end_word":575,"sentiment":"neutral","sentiment_score":0.14667092263698578},{"text":"So your balance has increased nicely.","start_word":576,"end_word":581,"sentiment":"positive","sentiment_score":0.5100776553153992},{"text":"I'm just giving you an update because these documents were done about a month ago just to give you an update since then. So from Yep. July to now, your balance is now up to 274 Well, thousand 113. So you've had another increase on that's that. a little Yeah.","start_word":582,"end_word":631,"sentiment":"neutral","sentiment_score":0.16597925126552582},{"text":"nice little bump, I suppose, for now.","start_word":632,"end_word":638,"sentiment":"positive","sentiment_score":0.37782716751098633},{"text":"Yeah.","start_word":639,"end_word":639,"sentiment":"neutral","sentiment_score":0.29656821489334106},{"text":"It is. It is. Hopefully, we start off with some good news to make it easier for you.","start_word":640,"end_word":657,"sentiment":"positive","sentiment_score":0.5024199485778809},{"text":"Yeah. Oh Yeah. Oh, that helps. oh, yeah. Yeah.","start_word":658,"end_word":666,"sentiment":"neutral","sentiment_score":0.24896995723247528},{"text":"Oh, that's good.","start_word":667,"end_word":669,"sentiment":"positive","sentiment_score":0.49450039863586426},{"text":"When I sorta have a look at how your portfolio as a whole has return for the year and net of fees, it does show that your super fund has made, sorry, a Thanks, lot Pat. much it is a lower return for the year. So it is around 2.97%, but it is wholly because of the market as a whole this year. We have Yep. seen a lot of ups and downs because what's been happening between The US and Iran. So that's Okay. because it has It's had on the quite phone. an effect on equities Come as on. a Get whole. in. Thanks.","start_word":670,"end_word":775,"sentiment":"neutral","sentiment_score":-0.049065571278333664},{"text":"Thanks, guys.","start_word":776,"end_word":777,"sentiment":"positive","sentiment_score":0.452586829662323},{"text":"Thanks. Sorry. I was just grabbing my mail while you're talking to me, sir. Yeah. So No. it's a half an appointment. You're you're So I'll I'll I'll talk I'll talk to you another day.","start_word":778,"end_word":812,"sentiment":"neutral","sentiment_score":-0.021171772852540016},{"text":"Thank you for letting me in.","start_word":813,"end_word":818,"sentiment":"positive","sentiment_score":0.3735433518886566},{"text":"I just I just the guys just let me in and from that's the pick okay. up the mail. So sorry about that. Like I No. say, I've just You're got very much going on. And fine. but You're I'll be you're I'll be absolutely right now.","start_word":819,"end_word":865,"sentiment":"neutral","sentiment_score":0.06049530953168869},{"text":"I'm with you a 100% now.","start_word":866,"end_word":871,"sentiment":"positive","sentiment_score":0.4004556238651275},{"text":"So fine. Easy. yeah. You honestly, you're absolutely fine. Just tell me to stop if you need me to. It's not an issue at Yes. all. I just All good. didn't wanna be rude to my male people. No. I understand that. That's not a problem at all. When Yeah. we sort of have a look so, obviously, your return is a little bit lower than where we would sort of like it to be for the year base that you are in that sort of high growth environment. Oh, okay. Yep. It's around about 2.97% for the year, so it is a little bit low from where we'd like it to be. Right. It is mostly because of what's been happening with the market Yeah. as a whole, so between Yep. Yep. The US and Iran. But then here in Australia, we've also seen high inflationary rates as well, which also has an effect on on sort of fixed interest and bond rates as well. I have had a look at your portfolio. You have been in a sort of an older portfolio for a while now, and I sorta can see some investments where they might be slightly underperforming where we can certainly make Right. some changes there. I would like to, if you're comfortable with, go back to have a really good look at some of the investments within your portfolio, Maybe look at a different portfolio that might give you some, greater growth, and you have some investments that may have been performing a little bit better. But also look at maybe a portfolio that's lower in cost for you, so to keep those investment fees as cheap as possible. Are you happy with me maybe having a look at that for you and updating things? Sure. I guess. Yeah. Yeah. Yeah. I suppose if you're gonna make it better. Yeah. For sure. Yeah. Abs absolutely. And, I mean, one of the things to look at is, well, a portfolio a couple of years back might have been really great for you then. Essentially, having that updated every couple of years or as markets do change is really important because investments do perform well some years. Other years, they may underperform a little bit. Yep. One of the investments you do have in your portfolio, which up until sort of now has performed really well, has been the Benelong Australian Equities investment. That Okay. at the moment in your portfolio is down a little bit, and it is holding your portfolio back a little bit, which is sort of contributing to the lower rate of return this year. So I would like to remove that underperforming investment and replace it with something else. There are a couple of ways to consider investments within a portfolio. Benelon was originally put in there because it's more of an actively managed fund. So the investment manager within Benelung is trying to outperform against the market and obtain greater returns. Yep. Normally, when you have that kind of investment within your portfolio, you pay a little bit more in fees to do so. You pay more investment fees for those sorts of managers. Yep. Would you like me to maybe look at swapping that out and reducing the cost a little bit, maybe putting something in its place that's a little bit more passively managed, lower cost, or do you still wanna see some sort of active management in your portfolio? What would you sort of like to see? And if you're not sure, you can ask more questions. That's fine.","start_word":872,"end_word":1472,"sentiment":"neutral","sentiment_score":0.07670853437914725},{"text":"I'm really not sure on which way.","start_word":1473,"end_word":1479,"sentiment":"negative","sentiment_score":-0.37123242020606995},{"text":"I guess that's where look. Yeah. Look. You want Okay. us to look at it? Yeah. Yeah. Because, obviously, I'm not that's why you guy I got you guys, Yeah. I guess. So No. yeah. That's okay.","start_word":1480,"end_word":1516,"sentiment":"neutral","sentiment_score":-0.02641203999519348},{"text":"That's absolutely fine.","start_word":1517,"end_word":1519,"sentiment":"positive","sentiment_score":0.48116669058799744},{"text":"And the reason we sorta asked that question is that some people do have a bit of a preference. So some clients do sort of whilst we make the final decision on what to put in the portfolio and update the advice to show you what we recommend, Essentially, some clients do have a preference to have some active management. Some don't want any. Some just want low cost. So we try to sort of incorporate and build portfolios that incorporates what you would like to see and feel and how you, you know, want to see your funds invested, and we utilize the market and the investors to build portfolios to suit you in that way. But if you're comfortable with it, I can go back and have a look at all the different portfolios. I can look at, you know, tax consequences for your super on on switching. I can look at just rebalancing things.","start_word":1520,"end_word":1676,"sentiment":"neutral","sentiment_score":0.2061933726072311},{"text":"I can look at all the different options and come up with a portfolio that's showing greater performance for you, might have put you in a better moving forward, might be cheaper for you as well, have more money left in your sleep by working harder for you, and all around, be a much greater portfolio.","start_word":1677,"end_word":1732,"sentiment":"positive","sentiment_score":0.4172167479991913},{"text":"Would you like me just to look at everything and see what I come up with and just update the recommendations to show you how and what I'm recommending and Sure, I guess. Yeah. Yep. why. Yeah. That's okay. Do you have questions? You're welcome to ask me anything if there's something you want me to explain in more detail or breakdown or if you had any additional questions in relation to any of that. Is there anything you kinda wanted me to break a bit further for you? Probably should have questions maybe, but, yeah, If it's you don't, it's it's it's okay. a whole complex system, I understand. And It is. yeah.","start_word":1733,"end_word":1846,"sentiment":"neutral","sentiment_score":0.1472404035167736},{"text":"It absolutely is.","start_word":1847,"end_word":1849,"sentiment":"positive","sentiment_score":0.395088255405426},{"text":"I'd often do find that when we kinda do the annual review, when I sort of suggest going forward and looking and making recommendations, there often aren't a lot of questions there, but sometimes questions do come out when I'm looking at the advice document with you. So if you want, I'll go back. I'll have a look at your goals, look at what sort of portfolio works for you, how, and why. I'll come back and show you the advice document with what I'm recommending, the advantages, the disadvantages, and the risks involved. And then if you have questions when you're looking at that, that way you can sort of ask questions about the portfolio, what I'm recommending, and all that sort of thing. You're welcome to ask additional questions later. Does that sound okay with you? Would you be Yeah. comfortable Sure. with that? Yeah. Yep. Yeah. Yeah. Yep.","start_word":1850,"end_word":2000,"sentiment":"neutral","sentiment_score":0.1361905336380005},{"text":"That sounds good. Beautiful.","start_word":2001,"end_word":2004,"sentiment":"positive","sentiment_score":0.603527307510376},{"text":"And, look, if anything does come up question wise, but from now to when we go through the advice document, you can always give us a call, send me an email, or just contact us. I'll make time to answer those questions. I know sometimes when you put on the spot questions just don't pop up, but later on, you might be sort of running through the conversation or, you know, having a think about what we've gone through and something may pop into your mind that you wanna ask. So feel free to write it down or give us just contact us, and I'll happily make time to talk you through it. Okay? Hey.","start_word":2005,"end_word":2119,"sentiment":"neutral","sentiment_score":0.19981104135513303},{"text":"Thank you. That's okay.","start_word":2120,"end_word":2123,"sentiment":"positive","sentiment_score":0.37473264336586},{"text":"Not a problem at all. So the next thing to sort of touch on there is your insurances. Yep. Security here. So you've got some insurances that are paid out of your super. You've essentially got your life cover and your TBD. Now having a look at the file notes I have from previous conversations with our team, it looks like with your TBD definitions, you've got what's called ADL. It's activities of daily living. Essentially, when you think about TBD, Mhmm. which is total permanent incapacity, it means you can never go back to work again. Yep. There are three main definitions that you can be insured for. One is your own occupation. That is, as you can imagine, the easiest the easiest sort of definition to claim on. It just means you never have to be able to go back to work in any occupation for which you are have worked prior to the disability. They have an any occupation definition, which means you to claim, you need to be never able to go back to work again for occupation which you have worked or educated or trained to have done. Mhmm. And then they have an ADL definition, which is activities of daily living. This is often provided to clients who have a very risky occupation, have major health issues, and are just not able to get an any or own occupation definition. And it means that in order for you to claim on the the total permanent disability insurance that you have, you'll need to meet two to three of the five activities of daily living. That's things like feeding yourself, dressing yourself, driving yourself around, you know, getting in and out of bed, showering and toileting, and things like that. So it is a Mhmm.","start_word":2124,"end_word":2423,"sentiment":"neutral","sentiment_score":-0.02669974446296692},{"text":"much harder definition to sort of claim on.","start_word":2424,"end_word":2431,"sentiment":"negative","sentiment_score":-0.5281047821044922},{"text":"What I wanted to sort of look at doing was finding out a bit more about where this definition came from. I had a bit of a look through your file, and I can see it was originally recommended as this. I believe it's got something to do I've been trying to sort of go through your file and find out why you've had that definition provided to you, and I haven't been able to come up with an actual answer at the moment there. Okay. But do you remember having that conversation with anyone in the past about the insurance insurance that you're applying for? Does that ring a bell at No. all? I don't, actually. No? Yeah. Not no. Nothing's springing to mind at the moment. No. That's okay. That's alright. I'm just going to, while we're chatting, just kinda go back and have a look to see if anything kinda comes out because I went through your file, and I just couldn't see the main reason behind it there. But just to sort of touch on your occupation, what is it occupation, what is it you actually do for work? So I've got you down here as a maintenance team leader. Is that right? Pretty much. Yeah. I'm act I'm doing an act yeah. It's it's my role at the moment. I'm doing an acting supervisor role at the moment. But Right. yeah. But yes. That's that is pretty much yeah. I'm a bridge and drainage ganger, for for a council. Right. And so so what does your day to day tasks look like in your role? What would you normally be doing on a day to day basis? Well, if I'm talking right now, as being a supervisor, I'm spending a favor of the time in the office Yeah. and and on the phone. But as a bridge and drainage, I would be on-site, you know, Yep. repairing drains and and all that with equipment. So Right. Okay. So it's a fairly much more of a laboring sort of role there. You don't do any hikes or work explosives or underground or anything at all, do you? No. No. No. That's okay. I would like to go back to see if there's any possibility of maybe updating your insurances. Are you open with me doing a little bit of extra research around the definition of PPD and seeing if we're able to get anything additional for you? That might be I mean, I think one of the biggest things when you've got insurances, you if you're gonna be paying for these, especially out of your sleep, you wanna make sure you're able to claim on that cover. Mhmm. So Yeah. That's because this this sort of definition right.","start_word":2432,"end_word":2893,"sentiment":"neutral","sentiment_score":-0.04335249275033608},{"text":"is much harder to claim on, as you can imagine, to be able to meet the condition of not being able to do, say, two to three of the five activities of daily living, you have to be pretty well bedridden or disabled.","start_word":2894,"end_word":2936,"sentiment":"negative","sentiment_score":-0.40652140974998474},{"text":"So it means it's very Yeah.","start_word":2937,"end_word":2942,"sentiment":"neutral","sentiment_score":-0.20716601610183716},{"text":"much a Don't hard definition to claim ever on.","start_word":2943,"end_word":2951,"sentiment":"negative","sentiment_score":-0.348483681678772},{"text":"want that Yeah. to happen. No. But yeah. No. Well, Correct. look. The the only thing I can think of is do I had to do a medical or something, I think. Was that correct? Yeah. You absolutely Yes. So would've had to answer yep. medical questions and possibly Yes. do a medical. Yeah. Yep. So I think I'm just on a I probably don't even have to. I could probably update that. Maybe. We'll see. But Yeah. I'm on a low dose of for high blood pressure, which, you know, I Right. I do I do plasma every fortnight, and my blood pressure's pretty good. So but I am on a low dose of a blood pressure tablet, and I do take an antidepressant like Right. a yeah. So that's probably Okay. maybe because that's come to mind now, I guess. Now I think about Yeah. I mean, realistically, when you sort of look at insurances, being on antidepressants and having mental health, it looks like you've also got a mental health exclusion on the policy, and that would be fairly normal. But, generally, whenever because mental health is one of the biggest things that our claim for, especially disability cover, they do add mental health Yeah. Okay. Yep. exclusions under the policy there. So I could see that being a factor. But what I'll probably do, if you're comfortable with it, after the call, I'll book in a time for you to do maybe an updated pre assessment with one of my lovely admin team members. As part of Right. updating your advice document, I can go back and review your insurances and look to see whether we can obtain a better definition for you. Are you comfortable with me looking at that? Suppose if it helps you out. Yeah. Sure. Yeah.","start_word":2952,"end_word":3255,"sentiment":"neutral","sentiment_score":0.009934182309447542},{"text":"Yeah. Absolutely.","start_word":3256,"end_word":3257,"sentiment":"positive","sentiment_score":0.47103410959243774},{"text":"A pre assessment is just a bit more detail around your health. My admin will give you a call. Takes about five to ten minutes. They just go through and ask a few more in-depth questions about your health, about your family history, and about your work and occupation there, and then I take all of that back to the different insurers out there. I'll do what's called a blind pre assessment with them. So they don't know anything about you except Yep. except for what's in that pre assessment. They know don't know who you are. They just say you're a male of a certain age, and these are the conditions that you've disclosed. And then we ask them to come back with what kind of contracts they might have on offer. And Mhmm. then we can go to the plan and come back and say, well, look. We can update your definition and look at this amount of cover. This is the contract that would be on offer. This is what we're expecting out of the application. Are you comfortable doing that? We also show you the cost of it, so how it affects your super because you've got insurances paid out of super. We know that the more you pay for insurances, the less you end up at retirement. It does have an effect on your long term retirement because you're paying for out of your super funds. So we Yep.","start_word":3258,"end_word":3501,"sentiment":"neutral","sentiment_score":0.03254173696041107},{"text":"show you that as part of the projected outcome of what this looks like for you, how this is projected forward over the next five to ten years towards your retirement goals, and then we continue to review that for you.","start_word":3502,"end_word":3542,"sentiment":"positive","sentiment_score":0.3403812348842621},{"text":"Is this Admittedly, something if that you I need to have? you're right. So Sorry. Is this something that's I I need to have, this insurance? that's Or the well, that's the other thing it comes down to. Is it important to you? So when we have life insurance and even TBD insurance, we're generally wanting to make sure we have a certain level of cover in the event that something happens to us. So Mhmm. to go through the different levels of cover you have at the moment, you've got life cover showing a sum or a sum insured of 701,984, plus you've also got your super balance there of about 274,000. So if we look at this in a way that of a claim, if I add them together, if you were to pass away today with your life benefit of that $701.09 $8.04 plus your super benefit paid out, your beneficiary could receive a lump sum of a bit over 975,000. Well, If she'd love you that. were to She just pulled up it's beside me. Actually, I'm sitting in the car still in the garage.","start_word":3543,"end_word":3731,"sentiment":"neutral","sentiment_score":0.001290650910170621},{"text":"She's lovely.","start_word":3732,"end_word":3733,"sentiment":"positive","sentiment_score":0.5430679321289062},{"text":"pulled up Well beside and me. I don't wanna Don't give any don't ideas there, but yeah. Don't don't say it too loud. just sort of confirming, like, if you were to pass away today, are you wanting that to be paid out to Kylie? So Kylie is your wife. Is that right? Yes. Yeah. Well, look, Yeah. to be honest, yeah, I probably would, I guess. So yeah. Yep. And Yep. when you think about what that will cover, so I've got down here that you've got your main primary residence and that you've also got an investment property. If you Yes. think about this amount of cover and what that could do for her Absolutely. now just Yeah. double checking That's the debt level. Sorry. that's You're right. that's that's kind of what I was saying because we do have two investment properties now. Maybe I don't know if it's a good Right. idea or not, but, That's yeah, okay. they're only early in the scene. So Yeah. No. That's absolutely fine. So you've got two investment properties now. yep. Now just double checking the debt levels for you. So your main primary residence, we had a an a loan owing on that with a 400,000 last year. Do you still owe the same amount, or have you reduced that loan a little bit? On which one on that investment? No. The main primary residence, Oh, so where no. you're No. living. We Yeah. we own our we own our place. Yeah.","start_word":3734,"end_word":3987,"sentiment":"neutral","sentiment_score":-0.013507154121202982},{"text":"Beautiful.","start_word":3988,"end_word":3988,"sentiment":"positive","sentiment_score":0.4921136200428009},{"text":"Yep. So no debt on that property. Now No I've got bid your on that. the older investment property that you owned last year when we did the under review, again, I had a debt owing of 400,000. What do you owe on that investment property? I'm actually having a quick look now, to be honest, because That's I wouldn't okay. have a clue. It's four yeah. You're It's right. about 400And35. 400And35000. Yep. Lovely. And can I just ask as well what suburb is that Yep. in just so I can allocate which property It's is which? it's in Werribee. Werribee Beautiful.","start_word":3989,"end_word":4091,"sentiment":"neutral","sentiment_score":-0.019179681316018105},{"text":"Thank Yep. you for that.","start_word":4092,"end_word":4096,"sentiment":"positive","sentiment_score":0.3684801459312439},{"text":"And it was about 435,000, you said, owing on that one. Yes. Yep. I probably Yep. I And don't know. It was I don't know what I told you this last time, but it must might have been a guess maybe. I don't know. But yeah. that's that's absolutely fine. It's not a problem at all. And the secondary investment property, the new one that you have, what suburb is that located So it's Clyde North. It's in melt down Melbourne in? Glass North. Way. Clyde Yep. North. Yep. Beautiful. And what sort of debt do you have on that property currently? Yeah. A bit more than the other one. It's Yeah. 693, I will say. Okay. Beautiful. Now if we had a look at that 975,000 if you were to pass away today and Absolutely. we say try to pay off as much of those loans That's as possible, true. That's well, I was calling to think about when you said that. I mean, I was thinking, well, I nearly I'll owe that bit or a bit more anyway. So Yeah. yeah. So paying off the property with the 435 owing, that essentially leaves 540,000. So it doesn't quite pay off the other property, but you could pay off one or each of the property like, one of the properties, Yeah. which Absolutely.","start_word":4097,"end_word":4320,"sentiment":"neutral","sentiment_score":-0.005494234152138233},{"text":"would leave her with one investment property generating income for support and then maybe a little bit of extra money left over.","start_word":4321,"end_word":4342,"sentiment":"positive","sentiment_score":0.33761951327323914},{"text":"Yeah. Or if she, you know, needed to pay off that, say, we've got $9.63 and we've 540,000, it would leave, sorry, $6.93. $6.93 minus 540,000. It would essentially leave a debt of about 153,000 if she used a lot money to pay off as much of both those properties as possible. But then Yeah. if she sort of wanted to keep those, they could be producing rental income to support her long term. Oh, absolutely. When Yeah. yeah. So do Yep. you feel like being covered for that 701,984 for your life insurance is suitable knowing your super balance is paid on top of that to support, or would do you feel like you would like to have a little bit more life cover? What's how do you feel Look. Don't think I don't believe I'm worth that much money, but I no. I think that's fine. about that? Look. That's Yeah. okay? Yeah. Worst comes the worst. If something ever happens to me, Carla could sell the properties in it. Yeah. She could yeah. Or one of them at least. Yeah. That that Yep. Yep. yeah. And she'd be still fine. So Absolutely. yeah. That's definitely another option where she could, you know, pay off one of the properties, sell the other one, clear Yep. the debt, and have a little bit left over Absolutely. from maybe the sale of the property plus a bit of life cover to support and provide her with additional income moving forward. Yeah. Can I ask, does Kylie work as well? Yeah. Is Yes. she Yeah. working? Well, that Yep. should be should be self sufficient anyway. So Working.","start_word":4343,"end_word":4619,"sentiment":"neutral","sentiment_score":0.0636320486664772},{"text":"Beautiful. Self sufficient. Excellent.","start_word":4620,"end_word":4623,"sentiment":"positive","sentiment_score":0.6095883250236511},{"text":"And with the type of cover you do have as well, it is indexed every year, which basically means that every year that the policy goes through a renewal, it increases, but the sum insured is increased a little bit. So it's indexed along with CPI. Okay. So you do get a the cover increases every year a little bit. It does mean that you do pay a bit more for the cover because the premium also increases. But Mhmm. it does mean you get a little bit of extra cover each year for your life. And it's, without there's no additional underwriting in in that additional cover. So it does kind of help a little bit to know that, you know, if you didn't claim for the next five years, the amount you're covered for with your life cover would be increasing over that next five years. So, realistically, Yeah. she could end up with a bit more money the longer you're, you know, living and not claiming on that cover. Yeah.","start_word":4624,"end_word":4796,"sentiment":"neutral","sentiment_score":0.10923655331134796},{"text":"Excellent.","start_word":4797,"end_word":4797,"sentiment":"positive","sentiment_score":0.6157851219177246},{"text":"I'm Well, I'm nearly we'll leave 50, you and I I feel that I'm I'm a bit more immediate.","start_word":4798,"end_word":4816,"sentiment":"neutral","sentiment_score":0.33114853501319885},{"text":"So oh, absolutely. I want you to get through retirement and enjoy those Yeah.","start_word":4817,"end_word":4830,"sentiment":"positive","sentiment_score":0.4160982370376587},{"text":"years. I don't want It'd anything be nice. to happen to you.","start_word":4831,"end_word":4842,"sentiment":"neutral","sentiment_score":-0.17730489373207092},{"text":"All good. So your life cover's comfortable. We're happy to leave that as is for the moment.","start_word":4843,"end_word":4859,"sentiment":"positive","sentiment_score":0.3948226869106293},{"text":"Now you have the same level of TBD, but as I kinda went through before, you have that, ADL definition, which makes it very difficult to claim on. So I do wanna go back and just do that Mhmm. pre assessment with you, get that booked in for you, and do some research around the policy. If I find I can't update the definition, Yep. I'll come back and have that conversation with you. I'll tell you the reason why and what we need to look at there. But the main reason we have TBD insurance is that it's total permanent disability, and it sort of pays out either a lump sum benefit or an income stream if we can never go back to work again. So due to major disability that under your definitions for this cover, mean that you need help eating, driving, dressing, bathing, going to the toilet. So you can imagine, in that sort of circumstance, it would be quite drastic. You would need to maybe pay for care, have modifications to the home, maybe purchase a new car, or maybe, you know, if if highly needed to still go to work, have someone to help you dress and take care of you through the day. So that's essentially why we hold disability insurance. You have the same level of TPD that you have left, the 701,000. And if you were ever claiming on total incapacity, we can also claim against your super benefits. So you can also get your super paid out in that instance as well. It's just Yep.","start_word":4860,"end_word":5124,"sentiment":"neutral","sentiment_score":-0.08041544164407928},{"text":"that this definition you have is very hard to claim on.","start_word":5125,"end_word":5135,"sentiment":"negative","sentiment_score":-0.4944195747375488},{"text":"So are you comfortable with me going back? Did you wanna keep TBD, and did you want me to go back and look at the definitions and see what kind of TBD?","start_word":5136,"end_word":5167,"sentiment":"neutral","sentiment_score":-0.19788482785224917},{"text":"Oh, I don't know. I don't even know if do I really should I really need it?","start_word":5168,"end_word":5184,"sentiment":"negative","sentiment_score":-0.4920636117458343},{"text":"Like, it's, yeah, it's a I know it's a yeah. Look. You can look into it, I suppose. Yeah. That's okay. Yeah. Yep.","start_word":5185,"end_word":5207,"sentiment":"neutral","sentiment_score":-0.1273011565208435},{"text":"Absolutely.","start_word":5208,"end_word":5208,"sentiment":"positive","sentiment_score":0.33676913380622864},{"text":"Well, what I can do if you like is I'll I'll after the call, I'll book you in for my admin team to give you a call one afternoon and run Mhmm. through a quick pre assessment. I can then take the information back, and I'll correlate that with everything I can find. And I'll look at what kind of TBD might be available to you. If I am able to find a better definition and put you in a better position and give you a better level of cover, I can keep it exactly at the same level of cover as what you have for life, but I can make the recommendations, show you how that affects you, show you what's on offer, the advantages, the disadvantages, the risks involved, and then you get to decide whether you take that or not. It's really important to note that when we provide advice, we're providing you with the recommendations. You Mhmm. get to decide whether you take those recommendations or not.","start_word":5209,"end_word":5379,"sentiment":"neutral","sentiment_score":0.1342175331032067},{"text":"You're more than welcome to say, I wanna take all the advice, none of it, or just some of it. It's completely your decision.","start_word":5380,"end_word":5403,"sentiment":"positive","sentiment_score":0.40157952904701233},{"text":"Yeah. Does that So, sound okay with obviously, you? that was a recommendation, and I would have agreed to it, I suppose, originally It too. So it yeah. looks Yep. like that might have been. It does look like in the original advice piece, there was a bit of an error. So from what I can see here, the original advice had recommended had recommended the any occupation definition, but it looks like the quote that was provided was the ADL definition. So they applied for this definition of PVD, but the document had it noted that it wasn't any occupation. So I've been sort of going through the file looking over the last couple of years to see where the disconnect was and what actually was happening, and I just kinda can't find it exactly. So so I'll go back and review it. I'm also gonna send this through to our head of advice for remediation actions. She'll go back through and investigate what happened, how it all came about. And if there's any kind of remediation that we need to make, we'll make sure we do that. But I would like to just make sure that you have the best definitions of TBD and that you know what it is that you're insured for so you know how to claim if that was to ever become a possibility. How Yep. does that sound, and do you have any questions?","start_word":5404,"end_word":5644,"sentiment":"neutral","sentiment_score":-0.04149462655186653},{"text":"That is pretty good, I think.","start_word":5645,"end_word":5650,"sentiment":"positive","sentiment_score":0.5603377223014832},{"text":"That sounds Yes.","start_word":5651,"end_word":5653,"sentiment":"neutral","sentiment_score":0.3046268820762634},{"text":"good.","start_word":5654,"end_word":5654,"sentiment":"positive","sentiment_score":0.3804492950439453},{"text":"Yep. That's okay. There may be questions later. I do fully understand that when I have these conversations, they can be a lot. I go through a lot of information, so please tell me if you need me to slow down, break it down, or just stop. Yep. No. No. Usually, I always think of something lighter. So yeah. If That's if there okay. is anything. So Absolutely. What I'll even do for you, Daniel, is I'll send you an email after the call. That way, you've got my direct email. If you yep. find you have any additional questions, you can email me to ask me or you can call us. Yep. And then because I'm also gonna book in a pre assessment, when my admin team member gives you a call to go through that, if you find you have extra questions, I'll make sure I'm available then for you as well. Okay? Okay.","start_word":5655,"end_word":5810,"sentiment":"neutral","sentiment_score":0.14219998453672117},{"text":"Cool. Then fantastic.","start_word":5811,"end_word":5813,"sentiment":"positive","sentiment_score":0.7023484110832214},{"text":"Now just the other sorts of insurances that you don't have at the moment are income protection and trauma. Now has anyone ever discussed those types of personal insurances with you in the past, or do you know how those types of covers work at all? Geez. I don't know. I don't think so. Maybe they haven't. That's okay. I haven't really thought about it since that. No. That's But okay. yeah. It's honestly fine. So there are four types of personal insurances that advisers generally do advise on. You've got life cover, total permanent disability cover, income protection, and trauma. It looks like you've only got life and TPD at the moment. You Hello? don't have any income protection. So income protection, if you apply for it, can pay out a monthly benefit. Under legislative, they only pay up to 70% of your your gross income, a pretax Mhmm. income, on a monthly basis to help cover short term expenses in the event that you're unable to go to work. Yep. Income protection normally is the first thing we claim on because you have investment properties. Essentially, an income protection claim, if you were to claim on the benefit, they would ask you for your payslips to look at how much you were earning prior to you being off work and due to illness or injury. And then they would also ask for, like, tax returns to show what other kind of income that you are able to receive. So as Yeah. an example, if you were, say, earning, you know, $5,000 on a monthly basis there, they would get your pay slips to show your monthly income and how that looks pre disability. They'd also ask for your tax returns and see what your investment properties were earning as well. So they would then take what you were earning prior minus any income that you can continue to earn whilst you're off work, and then they subtract that back to work out what you're able to actually receive. One Uh-huh. of the things, income protection when you are older, I'm open and honest with you, can be quite expensive. It is because it's the first thing we claim on is 90% of your insurance costs. And as you get into your late forties, early fifties, it can be very expensive. When Yep. looking at whether you need income protection or not, it's about understanding what your expenditure looks like on a monthly basis and whether if you were off work, do you have enough sick leave, annual leave, long service leave, savings to fall back on? Do do sorry. Does your investment properties provide enough income coming in and or your wife's income? Does all of that together support you long enough? Yep. So at the moment, because you don't have any sort of income protection cover, to think about if you were off work due to illness or injury, do you have sick leave, long service leave, or anything leave wise at work to fall back on, or does your employer provide you with any additional insurances, or are you part of a union that has any income protection? I'm I'm at a place where I've been for twenty seven years, Yep. and I have a lot of long service. I have a lot Yep. of sick leave. Perfect. So and I'm just about to do another anniversary this month, actually, so I'll end up with another Fantastic. four Beautiful. weeks annual Yeah. leave. So, look, realistically, I think if something's happened to me outside work, I've, you know, I'm I've got probably over twelve months easily of leave 12 if I had to take it all. months? So yeah. Yep.","start_word":5814,"end_word":6437,"sentiment":"neutral","sentiment_score":-0.0225250696679816},{"text":"Beautiful. Fantastic.","start_word":6438,"end_word":6439,"sentiment":"positive","sentiment_score":0.3906489610671997},{"text":"Mhmm. And, look, you do own your own home outright. So it is just the investment properties there. Yeah. And longer term, if you weren't then able to go back to work, we would try to look at, you know, TBD or releasing super, and your wife still has income coming in. So you feel you're pretty comfortable with that income protection that everything would be okay long term? Yeah. Absolutely. Yeah. And, I mean, if it got too hard to just sell a property, let's just get rid of one. But, I Yeah.","start_word":6440,"end_word":6533,"sentiment":"neutral","sentiment_score":0.06778425755018884},{"text":"love that. It's That's beautiful.","start_word":6534,"end_word":6538,"sentiment":"positive","sentiment_score":0.5002331733703613},{"text":"No. yeah.","start_word":6539,"end_word":6540,"sentiment":"neutral","sentiment_score":0.15122470259666443},{"text":"That's excellent.","start_word":6541,"end_word":6542,"sentiment":"positive","sentiment_score":0.5099906325340271},{"text":"It's it's always Yep. an option, I suppose. Not that it's not that I think that way. I try to don't even Done. think about it, and be honest, because, you Yeah. know, they are they are costing money, obviously, at the moment Yeah. because rate rises and all that sort of things. So just Yeah. try not to No. think That's about it pretty much. that's completely understandable, and that's okay.","start_word":6543,"end_word":6614,"sentiment":"neutral","sentiment_score":0.0006031101220287383},{"text":"All good.","start_word":6615,"end_word":6616,"sentiment":"positive","sentiment_score":0.37819069623947144},{"text":"With your regular expenditure, are you guys managing to put sort of much money away on a monthly or fortnightly or weekly basis? I think last year, you said you were able to save about $300 per week. Are you still finding that that's possible, or is it kind of dropped a bit with the new investment property coming into play? No. It hasn't really changed much how I feel. Like, my wife does all that. Yep. And earlier this year, our 20 year old kids So one of them bought his own place, and the daughter Yeah. moved in with him. So we don't have as many mouths to feed at home anymore either. So So expenses have dropped a little bit. That's nice. so I feel the expenses have dropped a bit. Yeah. They should Yeah. have.","start_word":6617,"end_word":6755,"sentiment":"neutral","sentiment_score":-0.0030224244110286236},{"text":"Fantastic. And Excellent. my wife likes to put money away.","start_word":6756,"end_word":6765,"sentiment":"positive","sentiment_score":0.45309144258499146},{"text":"So, yeah, Yeah. we have a reasonably healthy savings account, I guess, you might as well say, Okay. Yes.","start_word":6766,"end_word":6784,"sentiment":"neutral","sentiment_score":0.2613295614719391},{"text":"which Fantastic.","start_word":6785,"end_word":6786,"sentiment":"positive","sentiment_score":0.44044050574302673},{"text":"all which is always a good backup, which funds our bloody you know, our funds our what we our shortfall for the units. So yeah. Yep. Yep.","start_word":6787,"end_word":6813,"sentiment":"neutral","sentiment_score":0.2542339861392975},{"text":"Excellent. Lovely.","start_word":6814,"end_word":6815,"sentiment":"positive","sentiment_score":0.7030196189880371},{"text":"If you were to say quantify, do you feel like saying about $300 per week is fairly average or accurate for what you would assume to be saving, or would you maybe say a little bit higher at the moment just to kinda quantify it? I know it's probably difficult because your wife has it on. I do apologize. It's hard to say. Yeah. I just The I just same. keep it the same because, yeah, like I say, the the kids are gone, and then we've we've had the unit probably the other next the other units in, maybe, nearly twelve months. So, yeah, you might as well might as well say the same, I reckon. Yep. Yep.","start_word":6816,"end_word":6934,"sentiment":"neutral","sentiment_score":-0.02893008105456829},{"text":"Beautiful. Thank you for clarifying that. Appreciate it.","start_word":6935,"end_word":6942,"sentiment":"positive","sentiment_score":0.5996564626693726},{"text":"Now the last type of insurances I do need to talk about is trauma. So So trauma tends to pad a lump sum tax free benefit in the event that you're, say, diagnosed with a major traumatic condition. So some of the main ones that people claim on for trauma are, say, heart attack, stroke, Parkinson's, MS, or cancer is probably the biggest one. Did you so with, like, life and TB income protection, you can pay for those out of your super funds. You're not paying the premiums out of your back pocket. But with trauma, you can't do that. You do have to pay the premiums out of your back pocket. Being as you you do have savings, sick leave, long service leave, things like that to fall back on. Do you feel like you would need to look at trauma, or are you comfortable just not worrying about that level of cover with the trauma? Yeah. I'm pretty comfortable, I think. Yeah. Yep. Yep. That's To okay. leave it? Yep. Absolutely fine. If anything ever changed and you wanted to find out more or had questions around those, just let me know. I'm more than happy to go into more detail with you. Okay? Yep. No Fantastic. worries. Excellent. Now just to kinda clarify and go through a few more details with regards to your circumstances, income last year, we had you on about 80,000. Have you had a pay increase since then at all? It's hard to say because I do overtime and that, but I haven't done a lot of overtime this year. But I'd I'd say the 90 go to 90 with it. I reckon Yep. Yep. from memory, I earned that bit over 90 this year, I think, or last last Yep. financial. Yeah. Yep.","start_word":6943,"end_word":7244,"sentiment":"neutral","sentiment_score":0.008067250560154978},{"text":"So Perfect. Excellent. Not a problem at all.","start_word":7245,"end_word":7252,"sentiment":"positive","sentiment_score":0.4482569098472595},{"text":"So a little over 90,000. Lovely. I've got down here. Now we've confirmed most of the debt levels on the properties there, but with your main primary residence, we had an asset value last year of about 900,000. What sort of what sort of value would you put on the property now, do you think? Well, there's a handset from us going for 1.2 at the moment. So it'll Mhmm. be yeah. I I I'd probably just put it at the mill mark now, way things Yeah. are going. Yeah. Just Absolutely. be conservative. Yeah. Yep. Not a problem at all. And with the Werribee property, we had a value of that last year of 500,000. What sort of value would you put on the property at Werribee now? Oh, actually, I I wouldn't be able to tell you. I've I've just laid it at the 5. It'd probably be more, The 5 but 100? we'll just leave it at That's the 5 a good 100, I think. that Yeah. is. Absolutely. And with the Clyde North property, what sort of value would you put on that one at the Well, I'd like to think it's what we owe on it, but, yeah, moment? it's sort of hard to say. It's a three bedroom unit, two story Mhmm. unit. So, Mhmm. No. yeah, look, what oh, well, we haven't had done this one yet, have we? So, yeah, if well, only a guess. I'd been Yeah. brand new and everything else. Leave it at the 700, I think, 7 I suppose. 100? Yeah. Absolutely. Yeah. Not a problem at all. And I also had your Ford Focus, your vehicle down. Do you still have the same vehicle? Yeah. Actually, we do. Yes. Yeah.","start_word":7253,"end_word":7545,"sentiment":"neutral","sentiment_score":0.018725146488652093},{"text":"Fantastic.","start_word":7546,"end_word":7546,"sentiment":"positive","sentiment_score":0.5422623157501221},{"text":"Asset value on that last year was about 50,000. If you were to sell the vehicle to recurve rate costs. What kind of sale price would you put on it? What would you want what value is it to you? Look. It's still a neat car, but probably Yeah. but realistically, maybe 12, I suppose. 12,000?","start_word":7547,"end_word":7602,"sentiment":"neutral","sentiment_score":0.10291041433811188},{"text":"Fantastic.","start_word":7603,"end_word":7603,"sentiment":"positive","sentiment_score":0.4843849539756775},{"text":"Yep.","start_word":7604,"end_word":7604,"sentiment":"neutral","sentiment_score":0.31827765703201294},{"text":"Excellent.","start_word":7605,"end_word":7605,"sentiment":"positive","sentiment_score":0.5395256280899048},{"text":"And you mentioned you've got some savings there as well. Do you know how much you have in your savings account as backup? The savings was around 27,000. 27. Yep.","start_word":7606,"end_word":7635,"sentiment":"neutral","sentiment_score":0.13064923882484436},{"text":"Fantastic.","start_word":7636,"end_word":7636,"sentiment":"positive","sentiment_score":0.34425270557403564},{"text":"And any other assets you would note down? Any other cars, boats, caravans, or shares, or crypto currency, or collections. I've got a twin cab u a '13 model Mazda. Yep. Mazda Yep. bloody b c 50. Yeah. You I'd probably see 50. put 10 on 10 on it. Yep. Beautiful. And it's owned outright. No. Yep. Nothing owing on that Yeah. Yep. Yeah. It turned out right. I bought bought it with cash. I got it a while back. one? Yeah. No. That's okay. Another asset I like to note down is contents. I know it's sorta hard to value what your contents is. Do you know what your contents would be on your home and contents insurance, what you'd have it valued at roughly? Yeah, I think we went up a little bit 80, I think. 80,000. Yep. Yeah.","start_word":7637,"end_word":7777,"sentiment":"neutral","sentiment_score":0.024386899545788765},{"text":"Perfect. I think Excellent. that's all good.","start_word":7778,"end_word":7784,"sentiment":"positive","sentiment_score":0.3971006274223328},{"text":"Wasn't that wasn't that long ago we done our insurance. So yeah. Yep. No. That's okay.","start_word":7785,"end_word":7800,"sentiment":"neutral","sentiment_score":0.030262408778071404},{"text":"I Fantastic. think we Thank you so much for that.","start_word":7801,"end_word":7810,"sentiment":"positive","sentiment_score":0.41958028078079224},{"text":"I do have one I more car as well, a oh, little a you toy. sure? Yep. Sorry. Absolutely. Like like like like me it's a bit like it's the same not the exact same car. It's the same car. It's my first car when I got my license. So it's a XC Falcon. Yep. XC Staffing. Yep.","start_word":7811,"end_word":7868,"sentiment":"neutral","sentiment_score":0.0239392283597383},{"text":"Perfect.","start_word":7869,"end_word":7869,"sentiment":"positive","sentiment_score":0.5999183654785156},{"text":"Yep. And you could probably put $30 easily on it. So 30,000.","start_word":7870,"end_word":7881,"sentiment":"neutral","sentiment_score":0.2734185755252838},{"text":"Lovely.","start_word":7882,"end_word":7882,"sentiment":"positive","sentiment_score":0.5507333278656006},{"text":"And earned outright. No debts on that one at all? That's correct. Yep.","start_word":7883,"end_word":7895,"sentiment":"neutral","sentiment_score":0.1734670102596283},{"text":"Fantastic. Lovely. Excellent. Well, thank you so much for updating those details there.","start_word":7896,"end_word":7908,"sentiment":"positive","sentiment_score":0.6098000407218933},{"text":"Now the other thing we wanted to sort of check on is the estate planning aspect. Now having a look here, it says that you and your wife have done a will in the past. Is your will still active, and does it reflect your current wishes that you're aware of? Have you had it reviewed or anything? Yes. I think it's fine at the moment. Yeah. Still good? Yep. Yep. Beautiful. And do you have a power of attorney set up as part of that? Yeah. It's one of our kids. Yeah. Yep. Yep. Yep.","start_word":7909,"end_word":8004,"sentiment":"neutral","sentiment_score":0.07283412665128708},{"text":"Fantastic.","start_word":8005,"end_word":8005,"sentiment":"positive","sentiment_score":0.39169883728027344},{"text":"Excellent. Yeah. That's Well, our elders. Yeah. Yeah. That's that's okay. And with the beneficiary there on your super annual life cover, I've got your super beneficiary. It's a binding nomination, so it means that you've found the trustee to follow your direction. You've told them what you want to happen, and you don't have to fill the format every couple of years, which is a benefit. You've Okay. got down here Kylie, so your wife for a 100%. Does that reflect your wishes? You're still comfortable with that nomination? Yes. Yep. Yep.","start_word":8006,"end_word":8098,"sentiment":"neutral","sentiment_score":0.0922626480460167},{"text":"Fantastic.","start_word":8099,"end_word":8099,"sentiment":"positive","sentiment_score":0.3701707124710083},{"text":"And I'm just quickly logging in to see what is on the the insurance for you as well just to make sure that's reflective of your wishes. Sorry. Wait a second. Here we go. So I've got here beneficiary policy. Oh, it's the same as your super.","start_word":8100,"end_word":8146,"sentiment":"neutral","sentiment_score":0.13989786803722382},{"text":"Fantastic.","start_word":8147,"end_word":8147,"sentiment":"positive","sentiment_score":0.3643052875995636},{"text":"So in the event of something happening, a 100% of your life cover and your super benefit paid is Kylie. Perfect. Mhmm.","start_word":8148,"end_word":8169,"sentiment":"neutral","sentiment_score":0.1938600987195969},{"text":"That sounds Well, she good. loved that.","start_word":8170,"end_word":8176,"sentiment":"positive","sentiment_score":0.5438313484191895},{"text":"Well, I'm not telling her Just that. make just making sure that that is all correct for you. Yep. Yep.","start_word":8177,"end_word":8196,"sentiment":"neutral","sentiment_score":0.07685944437980652},{"text":"Fantastic. I'll tell her Now to leave you me a bit longer because it'll get better. It'll get more.","start_word":8197,"end_word":8215,"sentiment":"positive","sentiment_score":0.384689599275589},{"text":"Absolutely. Now with your super, just sort of having a look at things. You may mention last time that you were sorta hoping to access super or retire around about age 65. Does that still feel reflective of your goals, or are you wanting to sorta hopefully retire earlier than that? What's your thoughts on your retirement age? Yeah. Look, it'd be lovely to retire earlier. Yep. That's why we've gone in with the investments. Yep. So, yeah, so I guess that was part thereof trying to look into the future. So, you Yep. know, with super and stuff. So, Yep. Yep. yeah, so it'd be nice to knock off the you know? Because we like to travel. So, Yeah. yeah, I like to tinker in the shed. It'd be good not to have to come and have a day like I had today. So Yeah. yeah. Yeah. Yes.","start_word":8216,"end_word":8364,"sentiment":"neutral","sentiment_score":0.09668605774641036},{"text":"Absolutely. Fantastic.","start_word":8365,"end_word":8366,"sentiment":"positive","sentiment_score":0.41950350999832153},{"text":"Well, just so you're fully aware, you actually can access super and retire at the age of 60, so you don't have to wait till 65. Alright. When it comes to your yeah. So when it comes to your super benefit, do you think you're more likely to try and retire at 60, or do you feel like you might be Oh, wanting to wait till 65? How do you sort of feel about that goal at the moment, and what age would you like me to focus on goal wise? look. It's hard to say. Like, it's the future. Depends on what I'm doing, I guess, work wise. Yeah. Yep. Do you do you go part time? Yeah. There's always options to go on part time and things like Yep. that. Like, I'm pretty handy on machinery. So, you know, I could always get a job on machines or, I guess, something like that. So Yep. look. Hey. Look.","start_word":8367,"end_word":8526,"sentiment":"neutral","sentiment_score":0.05565363168716431},{"text":"If his house is going well and his super stay is good and I can retire at 60, I'll be probably looking at that.","start_word":8527,"end_word":8550,"sentiment":"positive","sentiment_score":0.381975382566452},{"text":"But, yeah, that's Absolutely. yeah. I didn't Yeah. didn't think that would be very possible, but if it is, Is well that okay? Mhmm. yeah. But still, I'd probably do something for work anyway, part time anyways. Yep. So, Yeah. That's okay. yeah, I'd still want that structure, I reckon, for a little bit longer while I could still work. So yeah. Absolutely. If you like, what I could do goal age for you is work on 60 as your goal is to say, look. You realistically would like to be able to retire at the age of 60. However, it also gives you the option to continue working if you choose to to maybe drop down hours if you choose to, but it means that Yeah. we're working on an earlier goal for you trying to access sleep at the earliest possible point to give you the option to do so. Does that sound okay? Mhmm. Yep. Yep.","start_word":8551,"end_word":8709,"sentiment":"neutral","sentiment_score":0.12900879979133606},{"text":"Beautiful.","start_word":8710,"end_word":8710,"sentiment":"positive","sentiment_score":0.5425841808319092},{"text":"And you may have mentioned that the investment properties, they're all part of your retirement plan. So to pay those down as much as possible or fully off to supplement super to be able to draw income within those retirement years and maybe before 60. Does that sound right I'm with that goal? hoping so. Yeah. Yep. Yep.","start_word":8711,"end_word":8768,"sentiment":"neutral","sentiment_score":0.15962454676628113},{"text":"Perfect. Excellent.","start_word":8769,"end_word":8770,"sentiment":"positive","sentiment_score":0.5339731574058533},{"text":"I'll just note that down. I'll just supplement super. For retirement income.","start_word":8771,"end_word":8782,"sentiment":"neutral","sentiment_score":0.21530954539775848},{"text":"Beautiful.","start_word":8783,"end_word":8783,"sentiment":"positive","sentiment_score":0.3702353239059448},{"text":"Where Thank you do we for sell updating. them off Yeah. or keep them yeah. Keep them yeah. Once you own them, obviously, yeah, you got your rent full rent, basically. Well well, minus a few things, but yeah. So just just all depends on the time and what's going on, I guess. Absolutely. Yeah. No. That's absolutely fine.","start_word":8784,"end_word":8842,"sentiment":"neutral","sentiment_score":0.1163257509469986},{"text":"That's not a problem at all. And down the track, if you do require those sorts of services, we can assist you in that area. It's not an issue at all.","start_word":8843,"end_word":8873,"sentiment":"positive","sentiment_score":0.3874889612197876},{"text":"Okay? Mhmm.","start_word":8874,"end_word":8875,"sentiment":"neutral","sentiment_score":0.19020915031433103},{"text":"Beautiful.","start_word":8876,"end_word":8876,"sentiment":"positive","sentiment_score":0.5284544229507446},{"text":"Now with your insurances, I'm just sort of noting here that you're happy with the amount of cover that you do hold, that with TBD, you would like to be able to make sure you have the best definitions available to you, and that we'll look at trying to update that for you. Does that sound right? Did you want me to alter that at all for you? And if you're making it better? Yeah. Sure. Yeah. That's okay. I don't wanna make it worse. That's for sure. No. Absolutely All good. not.","start_word":8877,"end_word":8969,"sentiment":"neutral","sentiment_score":0.1585917770862579},{"text":"Excellent. And confirming your estate planning is all up to date. You're happy with your beneficiaries, making sure that Kylie is the benefactor Yep.","start_word":8970,"end_word":8993,"sentiment":"positive","sentiment_score":0.4430670738220215},{"text":"in the event that something was to happen to you.","start_word":8994,"end_word":9003,"sentiment":"neutral","sentiment_score":0.31760185956954956},{"text":"Absolutely. Fantastic.","start_word":9004,"end_word":9005,"sentiment":"positive","sentiment_score":0.5891889333724976},{"text":"Do you have any other goals down the track? I know paying down those investment properties is probably one of your sort of goals with regards to the debt there. But do you guys have any other goals that you would wanna sort of note down at all? Probably no. My wife will be more traveling, I suppose. Yep. Yep. Yeah. That's that's probably our main thing. It's it's actually kinda weird at the moment with the kids leaving earlier this year. It's sort of It's it's a different, different isn't it? different when you got a size house that we got at the moment, and that's just Yeah. the two of us. Yeah. It's a little bit different. So, yeah, look, traveling could could more be a thing there once we, Yeah. Yep. you know, get used to what we are at the moment. So Been a bit more empty nesters. Mhmm. Here we are. Yeah. I know. It feels weird because, It you know, is we're different. yeah. Yeah. We're we're still Yeah. close with the kids. That's like we're Yeah. always being close. And, That's yeah, good. I I skipped my gym day with my son today because I'm just getting home late, and this was happening. Yeah. And yeah. So but, yeah, we still they're they're in the they're in the same town, basically, as us. So, yeah, we get to see them all the time.","start_word":9006,"end_word":9245,"sentiment":"neutral","sentiment_score":0.0016069987963419408},{"text":"So Oh, that's really yeah. good. That's really Yeah. good. It's good to have that kind of relationship.","start_word":9246,"end_word":9263,"sentiment":"positive","sentiment_score":0.6014407873153687},{"text":"I know. Just to kinda give you some context, my my oldest two are 19 and 20, so they've Hi. recently just moved out into my investment property. So it's kind of like giving Oh, them a little bit of an arm's length to say, here's some space to yes. grow. I It's safe I I we should've after we're the ones that own it. yeah. Well, we had we didn't think that we didn't didn't think that way because we've gone with a company that really is AusTrull. I don't know if you've heard of them, but, Yeah. yeah, Yeah. we I went have. through Yeah. those went through those guys and, obviously, their their strategies are to be in Melbourne and things like that. But I guess Yep. if we had that time again, we probably could have just done something in the yeah. Obviously, in Ginger or Aubrey where we are Yeah. instead. Yeah. But, anyway, that's that's past that That's point okay. now. So As long But as it grows yeah. and does what you want it to, that's the benefit. Right? Yeah. That's right. Well, we could the kids could have moved. Well, I didn't want them to move out, to be honest. So No. but yeah. But I got our kids are 24 and 22 or nearly 23. So Wow. oh, 25. Sorry. Crazy. 25 and nearly 23. So Wow.","start_word":9264,"end_word":9499,"sentiment":"neutral","sentiment_score":0.017651518806815147},{"text":"They grow up so fast.","start_word":9500,"end_word":9504,"sentiment":"positive","sentiment_score":0.3333996534347534},{"text":"Incredible, yeah. Well isn't it? well, we've got to keep them for that long, so that was good, I suppose. Mine still come home and raid my fridge. She she Yep. sent me a message. She's like, Paid. hey, mom. I've come Entry. home. I didn't wanna go to Willie's. I've I've taken food, and I'm leaving. I'm like, okay. Yeah. Cool. Take what take whatever you need. I would rather go buy food and make sure you are covered than not. So Yeah. yeah. That's right. Yep. Yeah. Oh, no.","start_word":9505,"end_word":9595,"sentiment":"neutral","sentiment_score":0.010136628830498392},{"text":"It's good. It's good to see him start growing up.","start_word":9596,"end_word":9605,"sentiment":"positive","sentiment_score":0.554314136505127},{"text":"So yeah. Yeah. No.","start_word":9606,"end_word":9609,"sentiment":"neutral","sentiment_score":0.24069896340370175},{"text":"That's fantastic. That's excellent. Good to see. And they bought their or your son's bought his first property, so that's fantastic. He's on the ladder and building his his wealth as well.","start_word":9610,"end_word":9641,"sentiment":"positive","sentiment_score":0.5178440809249878},{"text":"Well, that's right. Yes. That's correct. Yeah. He's obviously, he's able to save a favor the money while he was at home. So yeah. And do that.","start_word":9642,"end_word":9668,"sentiment":"neutral","sentiment_score":0.2276601493358612},{"text":"So yeah. It's wonderful. That's beautiful. Excellent. All good.","start_word":9669,"end_word":9677,"sentiment":"positive","sentiment_score":0.6297922134399414},{"text":"Well, the last thing I wanna do, because I wanna let you go so you can enjoy Thank you. your evening, is just to quickly check your risk profile. So at the moment within your super fund, you are in a high growth portfolio that generally suits someone who has at least eight years before they're wanting to access their funds. They're trying to get a bit more growth. However, Yep. it does mean you are taking on a bit more risk in the market. So we know Yep. taking on more risk means that when the downtimes happen, when we see volatility like this year, we are so we are gonna expect and understand that the markets will see a bit more of a a lower dip, or we might feel that more. Yes. Just to sort of quickly check a couple of questions with you, with regard to your suit, but if you say saw the portfolio fall by 20% over the next one, two, or even three years, how do you think that might be feeling? Or how do you think you might be feeling? Do you think you'd see it as an investment opportunity? You put some more money into it. Are you a bit concerned? Maybe call us and see what we suggest you do, or are you feeling really uncomfortable and wanting to sell your investments to cash to try and preserve what you can? How do you think you might react in that instance? So that's the super you're talking about. Yeah. Yeah. Yeah. Right. If you sort of fall drastically with what was happening in the market generally. Yeah. I suppose where there's always a fall, there will be a rise again at some stage. Mhmm. So I suppose Yeah. yeah. In what time frame were you talking? Say one, two, or three years at the most. Oh, one, two, or three. Look. Yeah. Look. It's time to recover, I guess, if something like that happens, I guess. So Yep. Do you think yeah. you'd maybe hold and wait, call us, and see what we suggest you do, and maybe you have that conversation with us? Or Pretty much. Pretty much. Yeah. Yep. I reckon so. Yeah. You guys are the experts. So and Yep. I mean, yeah, it's another full thoughtful proof, obviously. Yeah. Correct. Things are always Marcus foreseeable, but unfulfavorable, so I get that. Absolutely. Yeah. No. All good. When do you consider yourself when do you consider yourself as a risk taker, out of, say, a number between one and five, five being the highest level of risk, all say in equities or one in the lowest level of risk, maybe all sitting in cash. Where do you think you might see yourself? As a risk taker in Yeah. Bali. In your super. Yeah. I don't spend money. So and my wife tries to save it. So yeah. Look. I think we're on the less yeah. Risk less risky of of it, I suppose. Yep. Do you see yourself sort of moderate, maybe a three halfway between the five and the one, or Okay. just maybe Probably. I guess so. Yeah. mhmm. Yeah. Look, I mean, we got investment properties we're paying for, I suppose, and we Yep. like to go on holidays, which we try and do once or once every year or every two years. So Yep. That's yeah. But absolutely I mean, I just fine. I was That's overseas holidays, that is, I suppose. Yeah. yeah. No. Absolutely. And have you ever owned shares in the past in your own name? Or No. Never nope. had That's shares. okay. No. Not No. that I'm Perfect. aware of. Not I think I think the kids had shared in Safeway when oh, into the window. But yeah. No. I don't have any shares. No. That's okay.","start_word":9678,"end_word":10326,"sentiment":"neutral","sentiment_score":-0.023528259040899748},{"text":"Not a problem at all. All good.","start_word":10327,"end_word":10333,"sentiment":"positive","sentiment_score":0.42257291078567505},{"text":"So having a look at that, that you have scored as more of a growth investor. It is generally one drop down from where you are at the moment.","start_word":10334,"end_word":10362,"sentiment":"neutral","sentiment_score":0.1619606614112854},{"text":"However, if you're comfortable taking on a bit more risk, you absolutely can stay in that high growth environment.","start_word":10363,"end_word":10381,"sentiment":"positive","sentiment_score":0.35865312814712524},{"text":"As I kinda went before, with a high growth portfolio, we see 90% in those growth investments. So think about things like Australian shares, international shares, listed property, and some gold and silver or commodities. Mhmm. The other 10% in low risk defensive investments, things like cash, bonds, and fixed interest. The high growth portfolio with the risk profile, you're looking to try and obtain about eight to 10% on a yearly basis compounding that forward. Anything over 10%, the portfolio has overperformed. Anything under 8% isn't underperformance for the year. Yep. The likelihood of a negative return because you are seeing more of those higher risk investments, we do expect the likelihood of a negative negative return about one every five years, Mhmm. and the suggested time frame for this portfolio is about eight years there. So, realistically, with your time horizon, you can still be in that high growth environment. It's more just that you've scored as a as a growth risk profile. So it means we would drop you down by one to have 80% in those high in those sort of growth investments there. Yep. The expected return you're chasing with the growth portfolio is about seven to 9%, and it suits someone who's not gonna access their funds for about six years. So it's more to stand to your preference. Do you feel like you wanna start reducing your risk level a bit, or are you happy just to keep it a bit higher in that high growth portfolio for a bit longer and maybe review it in a year's time? What would you be comfortable Yeah. Probably where it with? is. I I I hope Yep. that Trump gets rid of the war a bit, and, you know, settled down a bit, and things return Yep. back to normal a bit. It'd be nice. So Yeah. but, yeah, look.","start_word":10382,"end_word":10696,"sentiment":"neutral","sentiment_score":0.02634037605353764},{"text":"Absolutely. Kathy to keep it where it is.","start_word":10697,"end_word":10704,"sentiment":"positive","sentiment_score":0.3927401304244995},{"text":"Yep.","start_word":10705,"end_word":10705,"sentiment":"neutral","sentiment_score":0.23950737714767456},{"text":"Absolutely. Not a problem at all.","start_word":10706,"end_word":10711,"sentiment":"positive","sentiment_score":0.3731631636619568},{"text":"I'll make a note there.","start_word":10712,"end_word":10716,"sentiment":"neutral","sentiment_score":0.3265427052974701},{"text":"We'll keep you high growth for the Mhmm.","start_word":10717,"end_word":10724,"sentiment":"positive","sentiment_score":0.40397635102272034},{"text":"moment. We'll review it down the track, and I'll just go back and review the high growth portfolio and see what we can do to sort of keep it working a bit harder for you. And I'll update the advice for you as well.","start_word":10725,"end_word":10768,"sentiment":"neutral","sentiment_score":0.25561854243278503},{"text":"How does that Sounds great. sound? Fantastic.","start_word":10769,"end_word":10775,"sentiment":"positive","sentiment_score":0.44820672273635864},{"text":"Now the last thing to let you know, you did sign your ongoing service agreement a few weeks back, but you do Yep. pay an ongoing service fee for having us as your advisers by looking after your super, providing ongoing advice, and supporting you towards your retirement goals there. So it is 1.65% per annum. It is calculated on a smaller monthly basis and deducted out of your super. So we do wanna make sure that your returns are working. And Yep. as much as you got a lower return this year, that was a net return, so after the fees have come out.","start_word":10776,"end_word":10880,"sentiment":"neutral","sentiment_score":0.24941785633563995},{"text":"So it does mean that your super has performed. You've made the 1.65% for the year, but then additional growth on top of that. So whilst it is lower, it still is growth, and it still Yep. is compounding forward, which is a positive thing for you. Yeah. And then that allows us to keep updating your advice for you as well.","start_word":10881,"end_word":10942,"sentiment":"positive","sentiment_score":0.4917611181735992},{"text":"Yep. But do you have any questions around the fee or our services or anything in relation to what I've gone through at all for you? No. Not not particularly. I understand some years Yeah. would be down and and and that too. And obviously, Yeah. with what's going on with the world too, that doesn't Yeah.","start_word":10943,"end_word":10999,"sentiment":"neutral","sentiment_score":-0.04163273044845514},{"text":"it's not gonna help, obviously.","start_word":11000,"end_word":11004,"sentiment":"negative","sentiment_score":-0.3846289813518524},{"text":"So Absolutely. I guess, yeah, it'd be nice to see a bigger growth, but, Yeah. no, look, it is Absolutely. what it is, I suppose. So, yeah, Yeah. I think I I think I've been you're right. So sorry. oh, no. I I think I guess I I guess and everyone else is in the same boat too. So, Correct. Yeah. yeah, can't Yep. really do too much about it, to be honest. No. And that's okay. I think one of the most important things to think about in the way we sort of see investing is when we are happy taking on a bit more risk in the market is when we see those downtimes to not look at it as a bad thing, to go to look at it as an opportunity, you know, and you're not accessing your super for the next ten years because it's locked away until you meet that condition of release. And and when you are closer to that eight year time horizon, I wouldn't want you to be high growth. So I would be very much if you were closer to that point saying let's draw it back a little bit. Let's not be in that high growth environment and Yep. kinda coaxing Yeah. you down to reduce your risk level. I would not wanna leave you there. But, Yeah. realistically, at the moment, because you've got that time horizon, when the investments are down, as much as it's not nice to have a negative return or a lower return, it's essentially the investments being they're at a discounted rate. So as your contributions are now going in, and they're supposed to be payday contributions, so they'll go in more regularly, you'll be able to take advantage of the downtime to buy into those discount discounted investment units as well. So Yep. if you ever are feeling concerned, nervous, call me because I'll definitely look at those sorts of things differently. Probably a bit too excited at the downtime. But, you know, it is just about the way we certainly see things. And as long as you have the time horizon to be invested to wait for that downtime to come through, then you definitely can. And you see, well, there was volatility.","start_word":11005,"end_word":11385,"sentiment":"neutral","sentiment_score":0.051514010377756256},{"text":"The markets have shown good recovery from that point. We've all seen some really good growth there. And there is a little bit more within the market. There is Yep. a little bit more confidence for investors that we have seen the ASX returning back some really good numbers over the past couple of weeks there. So we do Yep. certainly hope that does continue.","start_word":11386,"end_word":11450,"sentiment":"positive","sentiment_score":0.6001203060150146},{"text":"And with the changes to, obviously, the tax legislation and things over the last couple of months that came out with the budget, they're certainly hoping that inflation will slow heavily over the next couple of months as well. So that can also have an effect on bond rates and fixed interest. So we are predicting much better, you know, returns moving forward, but who knows? Trump could Yeah. come out next week Sure. and treat something else, and we could be at war That with Italy. that So that that's right. So I actually do have one question. well, yeah, Is so absolutely. the amount that I the amount that I have in at the moment Yep. for for my age, is that okay, or is it sort of down a bit? Or, you know, Yep. Right. how's how's That's that okay. look in your opinion? Absolutely. Absolutely. I actually do have some research recently that shows me what the average super balance is, and I can give you that. One of the best things about my job is I get access to lots of research data and materials. So I'll just But, pop yeah, in I think and grab this thing that to for see you. how I am tracking with it, I suppose. Yeah. Yeah. Absolutely. And part of the advice, I'll make sure I update for you just to look at where you know, what we expect over the next five to ten years. Because you do have more than ten years ahead of you, I won't go forward and project, you know, all the way to retirement age, but we'll do the next five to ten years, and then Mhmm. we can keep updating it there for you to make sure it's always reflective. Yep. But you're I'll just pop in here. Male.","start_word":11451,"end_word":11758,"sentiment":"neutral","sentiment_score":0.06485754928805611},{"text":"Beautiful.","start_word":11759,"end_word":11759,"sentiment":"positive","sentiment_score":0.5455600023269653},{"text":"So for your age and stage, the average super balance of someone your age is about a 193,501. So based on your Oh, current balance there of two I'm above 100 average. and 74,000, you are above average.","start_word":11760,"end_word":11797,"sentiment":"neutral","sentiment_score":0.06930331140756607},{"text":"Absolutely.","start_word":11798,"end_word":11798,"sentiment":"positive","sentiment_score":0.3779236078262329},{"text":"And the the data doesn't look great, and that's because, like, super wasn't a real thing until the early nineties, and it's been slowly Yep. increasing. So, like, your Yep. kids and my kids and even myself, I'm a little bit younger. I still not not much younger than you, I promise. But we will have a little bit more super when the time it comes because we've all sort of been working, and the super contributions were at a higher rate. Yes. But a lot Yep. of people your age and even older are finding, you know, they were going into retirement with lower than expected balances because, essentially, you know, they are they haven't had super for as long the the rate of super contributions is lower, or they Yep. have not worked a full lifetime. Yep. So there are definitely reasons there, but your super balance is above average for your agent's date. That is a positive sign, and we That's wanna make sure it works as hard for you as it possibly can. Yeah. good. Yeah. Yeah.","start_word":11799,"end_word":11979,"sentiment":"neutral","sentiment_score":-0.07146570086479187},{"text":"Nice. Excellent.","start_word":11980,"end_word":11981,"sentiment":"positive","sentiment_score":0.4222249984741211},{"text":"Oh, that's good. And That's the yeah. that's brighten That's up okay. your afternoon The last a bit for me. absolutely. The last thing I just wanted to check on, I thought I hadn't touched on earlier was, with additional contributions to super, are you sort of wanting to down the track look at making more contributions to super, or are you sort of more focused on paying down your investment property debts to keep those to, you know, draw on Yeah. before? What's your thoughts there? Yeah. Probably probably more the investments, I suppose. It'd be nice to knock That's them fine. down. Yeah. But it's it's Absolutely. one of those things. It's a six seven, isn't it? That's, yeah, do you put more Absolutely. in the super or yeah. Is Yeah. it you put it in Yeah. the super or yeah.","start_word":11982,"end_word":12124,"sentiment":"neutral","sentiment_score":0.028870079627299643},{"text":"And and hopefully, it's got good growth, or do you put it into the properties and hopefully, there's good growth in that.","start_word":12125,"end_word":12146,"sentiment":"positive","sentiment_score":0.37216174602508545},{"text":"So I don't know. Yeah. I kinda see that the I've got a bid in nature, you know, Yeah. a bid in nature, Yes. I suppose. So Yes. yeah.","start_word":12147,"end_word":12175,"sentiment":"neutral","sentiment_score":0.038930974900722504},{"text":"Absolutely.","start_word":12176,"end_word":12176,"sentiment":"positive","sentiment_score":0.3786616325378418},{"text":"And, look, you're not doing anything wrong.","start_word":12177,"end_word":12183,"sentiment":"neutral","sentiment_score":0.32037144899368286},{"text":"It's more about what's important to you and what your goals are.","start_word":12184,"end_word":12195,"sentiment":"positive","sentiment_score":0.3746148645877838},{"text":"So if you are wanting to try and pay those debts down so you can, you know, either sell them down the track and use the money to fund retirement earlier or, you know, keep them, pay them down so you have that rental income to support you in supplement super. There's nothing wrong with that. Yeah. It's definitely definitely gonna be a between investing outside of super and inside super because super isn't the be all and end all. There are ways to build wealth in other ways. And if Yes. you are wanting to retire prior to accessing super at 60, then we are gonna have to look at other ways such as the investment property aspect. So Yeah. there's there's no wrong answer to that. It's more about your comfort level. We just always like to ask the question. And down the track, if you decide you want to, you let me know. We can certainly help and provide advice in the area for you. Okay.","start_word":12196,"end_word":12364,"sentiment":"neutral","sentiment_score":0.2216627448797226},{"text":"Cool.","start_word":12365,"end_word":12365,"sentiment":"positive","sentiment_score":0.35587599873542786},{"text":"Cool. No worries.","start_word":12366,"end_word":12368,"sentiment":"neutral","sentiment_score":0.31763410568237305},{"text":"Excellent. Oh, cool. Well, that is everything I needed to touch on for you.","start_word":12369,"end_word":12382,"sentiment":"positive","sentiment_score":0.4159262776374817},{"text":"Before I let you go, I'm just gonna quickly book in a time for one of my beautiful team members to go to your pre assessment with you next week. I know later in the afternoon around about sort of this time is more preferable. Is that right? Yep. Yes. It usually is. Yes. Yeah. Yep. Yep. Yep. That's Hi. I've got sorry. Next week is from the seventeenth. My admin team member works late on a Tuesday night. Would I be able to book it in for, say, 05:30 next Tuesday, the eighteenth? Would that be suitable at all, Let me see. I'll just try. Daniel? That's Gymnaut. okay. Gymnaut. Yes.","start_word":12383,"end_word":12494,"sentiment":"neutral","sentiment_score":0.07828250048416001},{"text":"I think they were working good.","start_word":12495,"end_word":12500,"sentiment":"positive","sentiment_score":0.4383918046951294},{"text":"Yes.","start_word":12501,"end_word":12501,"sentiment":"neutral","sentiment_score":0.28620415925979614},{"text":"Yep. Beautiful. It'll only take about five to ten minutes to run through it. Samantha's my admin team member, and she's absolutely beautiful at running through these questions for you.","start_word":12502,"end_word":12531,"sentiment":"positive","sentiment_score":0.5754051804542542},{"text":"Yep. I'll get her to have a look at everything, and then I'll go back and review the file as a whole and look at what sort of TBD we can probably get for you as part of the advice. Those Okay. questions will I need what would I would I would these questions be things that I will know straight up or Yes. is it something Yeah. that I won't have Abs to yep. yeah. No. Absolutely. You won't need to click any medicals or go into any major detail. It's more just Yep. going through, you know, how your health has been, any major diagnosis that you know of, when we get diagnosed, what were your symptoms, did you have treatment, Yep. things like that. So Yeah. if there's Okay. anything you're really unsure about, that's absolutely fine. We'll work with it. Mhmm. But, yeah, just yeah. That's It's alright. nothing That should that you should have to be be easy crazy then. detailed. Yeah. Yeah. No.","start_word":12532,"end_word":12700,"sentiment":"neutral","sentiment_score":0.05932595208287239},{"text":"Excellent. Thank you so much for your time. I'll let you go to enjoy your night. I hope you have a good night.","start_word":12701,"end_word":12723,"sentiment":"positive","sentiment_score":0.5001695156097412},{"text":"I hope tomorrow is much better for you, Yeah. and I will Thank get you.","start_word":12724,"end_word":12738,"sentiment":"neutral","sentiment_score":0.2998856008052826},{"text":"cracking on this research for you.","start_word":12739,"end_word":12744,"sentiment":"positive","sentiment_score":0.3423864245414734},{"text":"Okay? Easy done. Alright.","start_word":12745,"end_word":12748,"sentiment":"neutral","sentiment_score":0.2651454508304596},{"text":"Much very much appreciated.","start_word":12749,"end_word":12752,"sentiment":"positive","sentiment_score":0.4942642152309418},{"text":"Thank you very No. much.","start_word":12753,"end_word":12757,"sentiment":"neutral","sentiment_score":0.221021831035614},{"text":"Thank you for taking my call. You have a lovely evening.","start_word":12758,"end_word":12768,"sentiment":"positive","sentiment_score":0.506424069404602},{"text":"No worries. You too. You too when Thanks, you get there. Daniel. I K. will.","start_word":12769,"end_word":12783,"sentiment":"neutral","sentiment_score":0.144804909825325},{"text":"Thanks so much.","start_word":12784,"end_word":12786,"sentiment":"positive","sentiment_score":0.4889979958534241},{"text":"See you later. See you. Bye. Bye.","start_word":12787,"end_word":12793,"sentiment":"neutral","sentiment_score":0.18971814215183255}],"average":{"sentiment":"neutral","sentiment_score":0.06637753528631847}}}}