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Is now still a good time there for you? Fantastic. I was trying to take up too much of your time there. Are you working this morning? Or oh, so sorry. How's your recovery going? Yep. Yep. We got plenty of Netflix to watch or something to read. Oh, well, I hope your recovery continues. Oh, I'm so sorry to hear that. All good. I did send through an email to you with a couple of the documents to run through with regards to your annual review there as you have access to your emails. If you don't, that is absolutely okay. Yep. Fantastic. And just before I jump into the call, just letting you know moving forward, would you record our call for quality and training purposes? Would you happy for me to proceed with that? Fantastic. And I just need to do a quick security check with you just to confirm your full name, your date of birth, and address I should have on file there. Yep. Legend. Thank you so much for that. So, Justin, the main document within that email, there is the ongoing service agreement for the twelve months there. On the very front page before you press the sign back, you'll see some attached documents below. One of those is the super and insurance summary and the hub twenty four performance report. Can you see the the summaries on there at all? Should be below that one. Yeah. Yep. Perfect. So one of those should say super and insurance summary. Is that the attachment you can see there? Yeah. Perfect. So that should have the date on there as of the 07/08/2026 that lets you know your super balance is now $2.90 8 and 545. Is that what you can see there? Yours yeah. That's the one. Fantastic. All good. So I'm trying to go too fast. My technology can be horribly painful sometimes, so just making sure you're looking at the same document I am. Beautiful. When I have a look back, I get a new review last. Your balance then was 246,824. I don't see your balance has increased nicely on the last twelve months. So it is really good to see. Very happy with that. Obviously, you're not used to not we're probably more aware of, obviously, what's been happening out there in the market globally at the moment with, you know, this we've seen the war between The US and Iran. We've also sort of seen issues internally in Australia with high inflationary rates, and our interest rates have been increasing as well. So all those things have had a bit of an effect on super and the markets as a whole. The other attached yeah. If you have I'll look at the other report, the performance report, it should say hub twenty four performance report. Is that heading there? It's a different one. Yeah. No. You're fine. Yeah. That's all good. Beautiful. So this one here is giving you an outline of what your super fund has done and all the individual investments as a whole. The third page there does outline all your individual investments. You can see you've got access to Australian equities. You've got bank hybrids, which is defensive assets. We've got global cybersecurity. You've also got some of the tours there, which is the Rafi 200, giving you exposure to mid cap stocks. We've got battery and lithium tech in there, physical gold, which has done really, really well. We've got access to the S and P 500, some China stuff there as well, and also listed property. As a whole, most things have performed really, really well. Looking at the first page there, though, you've been along equities. That is down a bit. Obviously, when you sort of have a look at investments and when we're looking at whether an investment needs to be removed or changed from a portfolio, we're looking at how that investment has performed as opposed to the rest of the market. With regard to Bennelong, Australian Equities as as a whole, with the ups and downs we have been noticing, have still actually been performing very, very well. The fact that Bannalong is showing it's down a little bit at the moment is pretty significant. I went back and had a really good look at Bannalong as a whole. Unfortunately, they've had some underlying issues within their investment portfolios, so we do wanna look at maybe switching it out of that investment. I think one of the most important things to note is that whilst you do have a good time horizon ahead of you, we don't wanna see you in any investments that are underperforming for too long. If something's underperforming and there's an issue within the investment, we need to maybe look at removing that out and replacing it fairly quickly so your portfolio can continue to grow. Does that make sense? It depends. So there is a bit of a down. Have you looked at your portfolio at the moment? There is a tax liability of just over $1,000. So if we do sell that, it does mean that the portfolio that we do cement any losses that are being seen within the portfolio as a whole. However, when you consider the tax consequences, so capital gains inside the super system are taxed at 15%. If you tell the investment for more than twelve months, it's taxed at 10%. You get a discount on that. So you're not while it shows the earnings are down by $7,800, you're actually not cementing the whole 7,000 loss. The loss would essentially be or the capital loss would essentially be the tax consequences for that. So out of that 15 percent, the Benelon Australian equity is the very first investment. Yeah. Yeah. I mean, realistically, you had about less than 10% of your portfolio. It wasn't one of your core investments, but the 34,000, That's how much you had in the investment total last year. So at the start of the time frame, this is the ninth of the seventh last year, you had 34,445 in there. And then market value at the end of the period means, at the moment, you've got about 30,520 and 88¢, so that's the market value of the investment. And that essentially shows with growth and income within the portfolio, it is down by 21.29% for that individual investment, which shows total earnings is down by over $7,841. Yeah. Absolutely. Yeah. Look. It does mean cementing a loss, but we are removing that from the portfolios now. We just have to update the advice and make sure that we recommend a new investment to put in its place. Having a look, as I said, I had a bit of a look beforehand to see what's been going on with the portfolio and how things are going. The issues within Better Long are because the investments have had some not great investments have had some issues within their portfolios, And the fact that it's down quite heavily, it is best to kind of remove that now. We are cementing a little bit of a loss, but cementing a little bit of a loss does is a benefit because you you don't have your fund doesn't pay any capital gains. It doesn't normally have to pay taxes for doing so. So what I can do is I've got a couple of options. Now one of the big things with Stand Along is that it's more of an actively managed fund. So the investment manager for that fund is trying to buy and sell out perform against the market they clearly haven't been able to do so, which is why we wanna remove them from the portfolio wholly. I can, if you would like, I've got a couple of options for other active managers that, again, they are trying to outperform against the market. There's no guarantee that they will. Sometimes they do underperform against the market. It's that then along have had a lot more issues than just underperformance. Essentially, the other option is we can look at something a bit more passively managed. So a passively managed fund is there to track the market. They're not trying to outperform against the market. Often, when you consider passive versus active management within an investment, passively managed funds tend to outperform much greater because they're not trying to buy and sell against the market. They're not trying to pick the top and the bottom of the market. They're just staying invested. They're following an index. It's often a lot cheaper to do it that way as well. Did you want me to maybe look at something more passively for you, maybe try to lower the investment cost within your fund and replace that, or did you wanna keep something more actively managed within the portfolio? What would you like to see? Mhmm. Yep. Yeah. Look. It's absolutely fine. We can put more of an actively managed investment in there for you if you like. That way, we can sort of see how that goes. We just track that over the next sort of twelve months. And then if we find it's still not working, it's not really doing what it needs to, then we can always go the passive the passive managed route. That's absolutely fine. One of the big things I do sort of look for in an investment is, you know, how it has tracked over the last twelve months, how it has been over the last five to ten years even to sort of see if there's any major issues in there. Passive management I mean, there's two sort of ways of looking at risk with your portfolio. One of those is the the type of management within the funds that you're invested in. Obviously, having an active manager is a little bit more risky. You do have those down times. You do tend to feel those down times. Having a passive managed fund does sort of reduce the risk a little bit. But the other side of the risk factor is your growth and defensive assets. So as a total in the portfolio you're in, you're in more of a high growth environment. So you see 90% of your investment as growth assets. That's a combination of international equities, Australian equities, listed property, and also commodities like gold and silver, and then there's a small amount, 10% in low risk defensive assets. You can still keep the risk at that higher level by having a passively managed fund in there. One of the big things is is that lowering the cost is more about making sure you're diversified. So one of the passively managed funds I'm looking at helps to lower the overall risk of the portfolio because standalone normally holds, say, 15 to 25 different investment options. One of the other ones I've been looking at is actually giving you exposure to, you know, the top 200 companies on the ASX. So it's actually giving you more exposure to the Australian stock market. It's still giving you that high growth asset allocation. It's just a lower cost investment has performed greater, and you're kind of reducing that overall risk of your portfolio by having a less actively managed fund in there. But you still keep the risk level with the overall growth of defensive asset allocation. Does that make sense? There's a little bit there's a lot to it. Yes. Yes. Did you want me to look at both the options and look at how they have performed the overall cost of it, any CGT consequences for making the move, and look at what's gonna put you in a better position moving forward overall? Yep. Beautiful. Beautiful. It's really funny because we also talk about the risk versus reward sort of sort of side to our portfolios, but there's risk isn't just, you know, one manager versus another. It's not just growth versus defense. There's so many different risk levels that go into investing in the market and how we diversify, you know, as growth and defensive, also what investment managers we have. There's lots of different options there. So if you want, as you said, you just you pay us to make the recommendation. I'm happy to go back, look at both active and active and passively managed funds, look at how they have performing, look at the overall diversification, the cost of, obviously, making the switch and selling this investment and putting you in something else, and look at how everything has performed, and maybe project that over the next five to ten years for you to see what kind of position that puts you in. Does that sound really good? Yes? Yep. Yeah. Well, we do that anyway. So in the advice, we have to put down your current position versus the recommended and show you both of those so you can make your decision. Yep. Beautiful. I will do that. Easy. So we'll provide a new updated statement of advice for you that shows you where you are currently, what that is projected for, the recommendations that we're making that we're recommending, and then you'll get to see both of those, and you get to decide and tell me whether you're happy to proceed with that or whether you have any alterations. Does that sound okay? Yep. Beautiful. Fantastic. Now looking at that same document, so while Send Along is down, and most other investments are doing quite well, your Van Es property is down a little bit for the year. That is okay. There's nothing wrong with the investment as a whole. Obviously, property has had a bit of a fallback recently. There's a lot of changes that are going through with regards to property. It is still worth keeping invested in that. I will obviously go back and, as part of the overall recommendations, just review the investment. If I feel like moving forward, it's not gonna be anything appropriate and that we maybe need to switch it out, I'm happy to make that recommendation as well. Are you happy for me to review that for you? Yeah. Fantastic. On the second page of that same document, it does give you an overall. So you can see, obviously, that Benelon hasn't performed very well, but all your other investments have well have performed fairly well. You still received a lot of income and growth within the portfolio over the past twelve months, and, essentially, net of fees, including our ongoing service fee, your entire portfolio has actually received a positive 9.58% return. So, overall, you have done quite well. I can pull the report up for you, two sec. Where are we? Report. There we go. Let's have a look. Last year's portfolio report, you made net of fees 12.18%. So, yes, it is down a little bit on the last twelve months on the previous twelve months. Sorry. But it's still doing very, very well. Absolutely. And that's really important to note is that whilst you're always wanting great returns and compounding, We're never guaranteed to set return every single year. And with the markets going up and down, with investors going up and down at different levels, some years you'll end up with a twelve, fifteen, or 20% return. Other years, the return could definitely be lower. With a high growth portfolio, because you are taking more risk in the market, you are gonna see and feel those downturns, and it's about making sure you can go through those downturns, allow your portfolio to recover, and come out the other side. With a high growth portfolio, we're looking to average an expected return of between eight to 10% on a yearly basis. So while spend along is down for the year, your portfolio has still performed within the expectation. So it is still working the way it should do. The performance as a whole is still within the expected range. And, obviously, having a look at the previous year's report of receiving a 12, I think, 51% return, that was obviously a really well performed year, and that was an over performance for your portfolio there as well. So it is extremely normal to have the ups and downs for some years to get better performance than others, but it's about making sure that we're compounding forward continuously. And over in this sort of environment, realistically, one in every five years, you can expect a negative return or a bit of a downturn as well. So while things have been performing really well, the possibility of a downturn is is expected and will happen in the future. We'll let you know when that happens, why it's happening. It's about making sure you can continue to put your super contributions in, keep dollar cost averaging in, and allow your portfolio to go through those downtimes as well. Does that make sense? Yes. Beautiful. But then, look, it has done really well. Happy with that. I'll go back and review the portfolio. We'll do a bit of an investment switch there for you and update things for you as well. Okay? Beautiful. Now I've also got your insurances here. So you do have your MetLife insurance policy. You've got some life and TBD only. In the event of passing away, your current life sum insured is about 551,250. When you think about your life insurance and your goal for that, if you were to pass away prematurely, I apologize. Justin, these conversations get a little bit dark. If in the event something was to happen, what exactly is it that you're wanting your life cover to pay out? What are you wanting to happen with that? Yep. Perfect. Yeah. Absolutely. So I had down here you owed about 380,000. Is that still fairly accurate? Oh, fantastic. Yeah. That's okay. How much do you have in the offset roughly? You're right. Mhmm. Beautiful. Excellent. Fantastic. It's good to see that loan dropping and decreasing quite well. Absolutely. Are you yeah. No. Absolutely. Well, having a look at that, I mean, realistically, with your life cover you have at the moment, the $5.51, 250, if you were to pass away, that is paid out to your beneficiaries there. And then your super balance on top of that with the extra 298 is fully paid out as well. So it's essentially together giving you a little over $800,000 in cover to look after your family. Do you feel like that's fairly appropriate? You're happy with that? Yep. That's absolutely fine. With TBD, now has anyone explained how TBD works, what TBD is? Do you understand what disability insurance is for? Yeah. So your current sum insured, that one is 551,002 100 and 50. Yeah. Absolutely. In the event of a TBD claim, your super balance can be released as well, so we claim time to incapacity against super. So the total benefit gives you about 849,000 paid out. The thing with PPD, I don't know if anyone's ever explained to you, but PPD, the 48 fee claim under the age of 60 is actually taxed. It can be taxed up to 22%. So just like giving you an idea on what that might look like, it essentially means that from the balance you have currently, your super and the TBD benefit, the tax would mean at 22%, about a 186,000 would be deducted from that. So you get that $8.49 minus about a $186,000 there. It's honestly really horrible. I don't like it. I disagree with it in any I think it's disgusting. I think if you can't get back to work again due to permanent incapacity, the last thing the government should do is tax that. It's horrible. Essentially, with the TPD, obviously, the tax is up to 22%. They have this really unusual math equation that they do to work out what the actual tax liability is. I just kinda gave you the estimated based on your current sum insured and super balance at the highest tax rate. If in the event you are actually TBD'd, we will help you with the claim, but then I will give you financial advice on how to limit the tax as much as possible as well, how to hopefully keep the money invested so you can draw a regular income and keep the money working for you as well. So there are things that we can do to help limit that amount of tax, but I kind of like people to understand that CPD, unfortunately, is a tax payment. And if you take the full amount lump sum, a lot of people don't realize how much tax actually gets deducted from that, and it can reduce your CPD, some insured, pretty significantly. And, I mean, a $186,000 could be one or two or three years of your income or of your life that you can't get back. So if you think about it, if you're fully disabled and not able to go back to work again at your current age, you have to live from now to retirement or even longer and make that money last as long as possible. So trying to limit the tax is absolutely a good thing, but I just like to make sure I'm giving you a bit of information explaining how that works. Just so if in the event of a TBD claim, you understand that this is a possibility. Okay? At the moment, yeah. Yeah. In saying that the the closer you get to retirement, obviously, the lower the tax rate tends to be. The kind of the equation is sort of age 65 minus your age now and then a whole bunch of random things the ATO comes up with. It's a bit like the mix rate. Yeah. Yeah. Absolutely. Most people are just sorta happy to cover the mortgage, make sure their family are completely debt free, and then have a couple of years worth of, you know, net income. One of the things to sort of think about is if you look at replacement of income in the event of, say, a TBD claim or even death and your insurance is paid out to you, once you've covered that mortgage and the mortgage is fully paid off, the amount that you're currently paying on the mortgage is no longer happening. So, realistically, if you're earning about a $100,000 a year, you could actually generally live on, say, $50,000 a year and make that TBD payment last longer because your living expenses decrease without the mortgage repayment. Does that make sense? Yeah. So this could last you a bit longer. In saying that we cover ourselves for a claim that may never happen. One of the biggest things we have is we pay for insurances hoping we never have to claim on them. The biggest risk we have is that we pay out all these premiums for the next twenty or thirty years. We get to retirement. We cancel the insurances or they expire, and we no longer need them anymore. And we never actually claim or benefit from them in any way, shape, or form. Kind of sounds nice when you put it that way, doesn't it? Yeah. You're fine. Absolutely fine. Excellent. Is I mean, at the moment, do you feel like the level of cover you have is appropriate? Did you wanna maybe look at reviewing the level of cover you have? Are you happy with that? Just knowing everything that yeah. Yeah. Yeah. Yeah. Definitely. And, I mean, the good thing is you are reducing your mortgage pretty heavily. So, you know, once you do become fully debt free, obviously, that 500,000 will last would, sorry, would last a lot longer. The other side of that is these insurances are renewed every year, and they are indexed. So you'll notice if you have think about your last year. Last year, when you did your annual review, your life and TPD, you were covered for 525,000. This year, it's gone up to 551,250. So your insurance policy is essentially indexed every year. It does increase over time along with inflationary rate. So the idea is that because inflation eats away our buying capacity, a $100 this year isn't less than a $100 next year. If inflation is 2.5%, then a $100 is reduced in buying capacity by 2.5%. So they do increase to some insured of your insurance policy every year as it goes through renewal, so it will continuously increase in smaller increments. However, the cost is also going to increase. As you get older, as the risk of you making a claim increases, your insurance policy is also going to get more expensive. Last year, for your insurance policy, which is kind of interesting I'm gonna pull a certificate of currency up because your insurance policy looks like it decreased in in cost, which if it did is absolutely fine, but it doesn't normally happen that way. Sorry. Let's have a look. Yeah. Yep. Yes. Yep. Yep. Yeah. Definitely. I'm not sure. I'll have to go back into the research. So because the investments go up and down continuously all day every day, we will do I'll do the research and recommend what I'm gonna swap then along with, how it works, and I'll put the switching cost in there for you. I'll show you what the the tax consequences would look like in the advice for you. Just because I could work out the amount now, but then when I give you the advice document, because it could be, you know, a week or two's time, the amount could be very different. So I'll open the advice I'll I'll do the research on the investments. What we're gonna switch out was look at this, obviously, the cost price, and I'll show you what the tax consequences look like for your super funds and what the difference would be in what you're invested in now versus what you would be invested in that new in that new investment. Does that sound okay? Yes. Yeah. Well, we can't change anything until you agree to the advice. So you'll get to see the advice and then decide whether you want the switch to happen, And then you would just need to sign off those switch before we actually make that change. Yeah. Does does that make sense? You're right. You're right. You're welcome to ask more questions and let me know. It's absolutely fine. It has. Yeah. Absolutely. And look, it's not coming. Yeah. It it could, but the biggest thing we're finding is that it's it's because of the underlying investment. And, essentially, what's gonna happen is one of the underlying investments has had a legal problem. Because of the legal problem, it means that Venlo Long can't remove that investment. So, yes, it could come back. It might take, you know, twelve months. It could take four years. It could take even longer than that. We kind of had to work out with our investment committee whether we wait for it to come back or whether we just decide to remove it now. The main decision for removing it now is that Fenelon has been very volatile since COVID. It took a long time to recover from COVID. They haven't changed any of their investments within that portfolio since 2020. And generally speaking, to not do that in six years means you have to have very high conviction of those investments. But then they've now had this issue where one of their underlying investments was dishonest to the market. That came out. They've now got a legal issue with one of their underlying investments, and they can't get out of that. Depending on how that legal issue kinda goes or what happens within the fund means that they could dip even more or they could come back. We essentially, when we looked at the risk of that, decided whilst the portfolio whilst the investment is down, it's not down as badly as what it could be. Sometimes it's best to just cut your loss, remove the investment, and find something else and get that growth moving again rather than just to cross your fingers and hope and wait that it comes back. Does that make sense? Yeah. One of the underlying investments I can't remember the exact name of it, but they essentially came out to the mark. Oh, it's Corporate Traveler. There it is. Corporate Traveler is one of the underlying investments. They essentially came out to the market and didn't disclose exactly the cost that they were making. They were overcharging people and causing a lot of legal issues. That got disclosed to the market when they were audited, and then they're going through investigations and more audit. And it was more to do with their UK division. So it had quite an effect on them because of the legal issue and they're being audited and investigated. Corporate traveler was at trading halt, which meant that Bannalong could not sell their portion of that investment. But we can sell Bannalong. It's the investment yeah. It's the underlying investment. It's corporate traveler within Bennelong. Yeah. So it's better to get rid of it now. No. You're right. It's it's just better to sort of get rid of it now rather than hope and wait knowing that the risk of it getting worse or getting it may not recover for a longer period of time is there. Yeah. Sometimes it's best to yeah. You're sometimes it's best to just cut your losses and find a better investment to take its place rather than to just hope and wait that it's gonna come back. But, I mean, this this is an issue with corporate travel that happened a few months back, and Venmo hasn't come back and recovered from that. So it is best to just kind of look at removing that from your portfolio, and then we, you know, switch you out, get something that's performing better. Yeah. Yeah. It is. And they can't sell that from their portfolio, but we can remove you from Van Alon to make it easier. I said they can't sell out of that investment, so we can sell you out of Van Alon. We can get you out of Van Alon. But then a long time, they'll corporate travel out of their portfolio. Yep. Yeah. It's a little bit. The way the investments work is a little bit funny. So you have layers. So you for your super fund, we've invested you in a portfolio. The portfolio has included Venalong. Venalong then has other investments within that, and then other investments have more investments. There's always layers to the way investing works. So it's a little bit convoluted, but yeah. Look. I definitely wanna move you out of that. I'm gonna be really honest. Strong in my conviction with that. I've been trying to move everyone out of Bangalore as quickly as we possibly can because it in the last sort of six months, it has not come back, and I don't see it coming back in a hurry. And the fact that over the last six years, it had such ups and downs. They have not made any changes to their investments. And even with the markets changing between from COVID to now, the fact that they haven't changed their underlying investments. They've held that conviction strong means that they believe in those, which is fine for them. But what you invest in in, say, six years ago might need to be altered. Markets change, trends change, things change over time, and investment portfolios need to continuously change with that, making sure they're updated and continued along with the trend, along with what's happening, along with your goals as well. So there's nothing wrong with removing it from your portfolio. As I said, I'll do the research around what investments we put you into as a difference. I'll show you the recommendation in the advanced document, well, on the cost involved, the advantages, disadvantages, the risks involved. You get to have a look at that, take it away, and then decide whether you're happy to take that advice or not. Yeah. So what I'll do is after the call, I'll book you in for two weeks. I'll do the my payment, I will do this all the research in the meantime, and then we'll come back in two weeks, and we'll go through that together. Does that sound okay? Yeah. Beautiful. Beautiful. Excellent. All good. Now just sort of back to the insurance side of things, you don't have any income protection or any trauma. Has anyone ever spoken to you about income protection in the past? And so what would happen if you were unable to get to work in the short term? I know you're off at the moment, but how do you sort of cover your income? Okay. Perfect. Oh, you need these? Absolutely fine. That's not a problem. Also, you have sort of income protection covered with the union there to cover you. That's absolutely fine. That's perfect. That's actually very good. Yeah. Oh, fantastic. That's really, really good. Yeah. Do you reckon you'll be needing to claim on that with the surgery you've gone through, or do you think you'll be back at work before then? Okay. Beautiful. Excellent. Lovely. Lovely. Excellent. With the insurances, so, like, your life and TPD is paid for inside super. However, with other insurances like trauma and things like that, you have to pay them outside of you obviously don't have any trauma insurance. And just to give you a bit of a lowdown, trauma can cover you or pay out a lump sum benefit if you're diagnosed with a major condition, things like heart attack, stroke, cancer is probably the biggest one, Parkinson's. Not having trauma means you don't have that level of cover. Did you wanna look at getting any trauma or any other types of insurance that you don't currently hold? Are you just happy with your life and CBD? Yes. No. That's absolutely fine. That's not a problem at all. Beautiful. Well, that's essentially going through all of those documents there. The only other ones attached are our financial services guide, which outlines all the information on myself, on OB Financial, all of our services that we do provide. We've got the ongoing service fee agreement there as well for the next twelve months. So as a client, you do pay us an ongoing service fee for monitoring, looking after your super, updating, providing advice, doing news reviews, and sort of tracking forward towards your retirement goals there. The ongoing service fee is 1.65 per annum. It is deducted in smaller monthly increments out of your super, the idea is as a percentage fee, it does fluctuate with the market. So it does work in your benefit where the market is higher. It means that our fee is gonna be slightly higher. However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So, essentially, what I'll get you to do is have a look through those documents there. If you are happy with everything, we'll get you to sign and return that back there for us, and that allows us to continue looking after everything for the next twelve months. I'll go back and review your portfolio, look at how it has performed, all the costs involved, make a recommendation on switching out that then along. I'll look at the other investments as well and see if there's anything else that flags we might need to move or if there's a better performing portfolio that, you know, could provide greater benefit moving forward, and I'll update the advice for you to reflect the recommendations, the cost involved, advantages, disadvantages, or risks for you to consider. Does that make all sense? Do you have any questions there, Dustin? Sorry. I go through quite a lot. Yeah. That's okay. Is it just spinning like a wheel of death? Yeah. That'll be fine. Legend. Thank you for that. All good. Now I just wanted to update all of your circumstances here. Just checking to see what may have changed in your life. I've updated your mortgage, which is fantastic. Other assets I had, you've got a boat. Do you still have that boat? Yeah. Love it's all good. I've got a value of 25,000 on that one. Would you still value it the same or yes. Beautiful. I've got your car down with a value of 45,000. Would that be fairly accurate? Yep. Perfect. Yeah. Absolutely fine. Let's leave it at 40. Beautiful. I've got down your asset value about 15,000. Okay. Beautiful. And we have here about 80,000 in savings that you are planning to use towards some renovations. Is that okay. Beautiful. And that's from the offset account? Yeah. Perfect. Beautiful. And then I've got here some solar, which you had about 18,000 of debt on. Have you paid down the solar? Okay. Perfect. Yeah. Absolutely. We'll knock that down for you. Fantastic. Any other assets or shares or cryptocurrency or anything else that you might have there at the moment we should probably note down? That's okay. Yeah. That's okay. Look, honestly, as advisers, we do also do not just super insurances, but we do build investment portfolios so you can build wealth outside of super if that's one of your goals as well. So if you do wanna sort of have that conversation, talk more about what else we can do, or look at building wealth outside of Super, let us know. We can definitely help you along with that as well. Okay? Fantastic. I did have a look at your beneficiary nominations as well, and I just wanted to clarify. So I've got Kristen down as a yeah. As a beneficiary on both your life insurance and your super, but her name is different on both of them. Her surname is different on each. What surname does she give us? Okay. So it's her the life okay. So her life insurance is under the maiden name, and her ID is all in your married name? Absolutely. Yeah. Absolutely. Because we will need to update that one. So what I'll do is I'll get a new beneficiary set up for the life insurance with MetLife. I'll get that are you happy for us to prefill that with her information? Yep. Fantastic. That's okay. My main concern is if something did happen and she was then gone claim, not having the correct name as her ID causes a bit of an issue and can make the claim a lot harder. So it's all best to have it updated now or to reflect. That way, if in the event something happens, it's all sorted. I also kind of like to point out as well just letting her know that you do have life insurance and super and that if she ever did need to make a claim on those, just to call us and we would help facilitate the claim for her. So I have just had it in the past where clients have not made mention of an adviser, they passed away, and, yeah, a few months later, someone calls up and goes, hey. Who are you? What do you do? And we have to explain what we do, how things work, and we help them do the claim, you know, several months down the track. Yeah. Yeah. No. That's okay. Fantastic. And, look, honestly, we hope nothing happens. I want you to get to retirement. You know, once your kids grow up and get old and go through life perfectly fine, and we just always have to make sure these little things are all in place to protect you in the event that something happens. Yeah. Excellent. On your super, your beneficiary nomination is set up as a binding lapsing nomination. That essentially means that we you'll need to resign that dot that nomination form every three years. You have other options for beneficiary nominations. One of them is a non lapsing binding, which means you fill the nomination out now and you never have to fill it out again. It stays in place. Are you happy with your super nomination refilling the document out every three years, or did you want me to update that so you do it once and never have signed it again? Yep. Yep. Yep. Absolutely fine. Not a problem at all. With your super life insurance, did you want me to I'll double check whether MetLife allows for non lapsing binding or just lapsing binding. But if they have the option between two, do you want it to be the same as your super so it just gets updated every three years? Yep. Okay. No worries. Yep. That's that's fine. Not a problem at all. We'll get that sorted for you and resent out. Is emailing or posting that beneficiary nomination to be signed gonna be easier for you? That's okay. Did you wanna email or post that nomination to you? Email. Yep. Perfect. All good. Yep. Oh, beautiful. Thank you so much for that. The other thing I have down here is that you guys didn't have a will and power of attorney, Daf. Have you spoken about seeking the services of, like, a lawyer? Yes. Yep. That's okay. There is all of the states do have local trustees, which you can do will kits very, very simply. If you did you want me to do up an email? I have some information on the, like, the local government trust fees that can help you to do a very simple will. They do them over the phone via email or just in the local government office. Did you want me to find yeah. I'll find that information to email through to you. Sometimes that can just make things a lot simpler and easier. Okay. Yeah. No. That's okay. Not an issue at all. And so just with your super, you're obviously in that high growth environment. It does suit someone who's not accessing super for the next sort of know, eight to ten years. You've got a lot longer than that ahead of you. Are you happy to stay in that high growth environment, or did you wanna reassess your risk level with the super asset allocation? Yeah. Yeah. I think one of the difference yeah. So the the high growth and the aggressive I mean, to go up from where you are aggressive, you're a 100% invested in equities and growth investments. So the benefit to having a high growth portfolio is you do have some defensive investments because there are times when equities see a lot of volatility, and this is probably a really good example of that with the war between The US and Iran. And so having defensive investments often provides some downside protection for when those equities are fluctuating pretty heavily. So that high growth environment has that ninety, ten split, whereas if you took on a big risk and moves more aggressive, you're a 100% in equities with essentially no defensive investment as a bit of a backup. So high growth is absolutely fine. It's not in any way, shape, or form bad. It's honestly suited to your time horizon. If you wanted to go a bit more aggressive, you could, But having some defensive investments does give you some long term downside protection as well. Yep. That's absolutely fine. Beautiful. The only other thing to check here, I've got income. Your income last year was about 160,000. Have you had a pay rise since then? Or fantastic. Excellent. And you're still salary sacrificing about 5% of your wage? Yep. Beautiful. Excellent. Still happy to continue with that. That's definitely helping long term. Yep. Beautiful. And are you finding that you're still saving a bit? We had down here that you had about two or averaged about $200 per week savings last year. Are you still finding that you're saving that fairly fairly well with income? Yeah. Beautiful. Yes. Yep. All the expenses stuff. Yeah. No. Fantastic. And long term goals, we're working towards, hopefully, retiring at the age of 60 on about $1,500 per week. Is that still your goal for that long term for the horizon? Yep. You. Yeah. That's okay. Well, when we get closer to that, one of the things I do sort of like if she's comfortable with that down the track, when you get into sort of the fifties and we're sort of looking at the time that we can look at both of them for you and sort of see how things should be structured, how the drawdown looks, and what the longevity of looks like. But that's kind of for you a long time down the track. We'll sort of focus on trying to build that as much as as we can over the next five to ten years and keep doing that as we get further and closer and closer to retirement. Okay? So the earliest you can is 60 currently. As long as you fully retire, if you keep working past 60 at 65, they will just allow you to access your super regardless of whether you're working or not. Yeah. Are you want are you wanting to sort of look at trying to retire earlier than that, or you think 60 would be the age? Yes. Yep. And, look, you absolutely can. It's just about looking at ways to build wealth outside of Super, whether that be, you know, buying investment property and kind of build that up and sell it off or whether you invest in a investment portfolio outside of Super. You absolutely can look to retire earlier, but we just have to find ways to supplement the wealth and the income between 50 to 60. Yeah. Absolutely. Yeah. And I just if that's something you wanna do, let us know. We can definitely help you out and talk to you and provide additional advice in those areas. So, yeah, just have a chat about what your joint goals are. Absolutely. The only other thing I had here was that you guys were looking to save up for a new kitchen. Has that kitchen been installed, or is that still on the list? No. All absolutely. And interest rates are going up again at the moment, so we wanna limit that as much as possible. Yeah. Absolutely. No. All good. Essentially, from here, I'll just go back and do some research there for you. Well, I've got you I'll book you in now for the next two weeks so we can go through that advice document together. I know you may be back at work in that two week period. When normally, when would be the best time to sort of go through things with you and have that chat? Okay. Good. Absolutely. Yep. So I have availability Monday the twentieth for you if you like. I can do 5PM if that's okay. Perfect. Yep. Perfect. I'll book that one in there for you. I'll add a little text message reminder because it is about two weeks away. Sorry. The message will come out to let you know that you had we had you booked in for your advice presentation, and I'll give you a call at 5PM. We'll run through that. It won't take very long, and then you'll get to go back and have a really good read at the document. Okay? That's okay. Not a problem. I will let you go. That's basically everything to go through and update there for you. I know I've gone through a fair bit and jumped around. Is there any additional questions that may have come out or anything else that I might not have touched on? Been along? Yeah. Yep. Yep. Absolutely. Yeah. No. Absolutely. Let's get you out of that and get your portfolio continuous working and compounding. We wanna get you the best possible retirement possible. Because, I mean, you've got a lot of working life ahead of you, but you also spend, you know, anywhere from twenty, thirty, or forty years in retirement. That's a long time to be retired. The money needs to last as long as possible for you. So all good, Justin. Look. Thank you so much for your time. It was honestly an absolute pleasure to chat to you today. I hope you have a really good week. The kids are all on school holidays with you. Or yes. Oh, look. That's not a bad thing. Enjoy that time. Oh, good, Dustin. Well, I'll talk to you on the twentieth. I'll do the ring test in the meantime. You have a lovely week, and I hope you have a good recovery. And I'll talk to you soon. See you later. 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Dustin. It's Dana from Oakview Financial. How are you this morning? I'm very well. Thank you.\n\nI have people going to go through a bit of an annual review today. Is now still a good time there for you? Fantastic. I was trying to take up too much of your time there. Are you working this morning?\n\nOr oh, so sorry. How's your recovery going? Yep. Yep. We got plenty of Netflix to watch or something to read.\n\nOh, well, I hope your recovery continues. Oh, I'm so sorry to hear that. All good. I did send through an email to you with a couple of the documents to run through with regards to your annual review there as you have access to your emails. If you don't, that is absolutely okay.\n\nYep. Fantastic. And just before I jump into the call, just letting you know moving forward, would you record our call for quality and training purposes? Would you happy for me to proceed with that? Fantastic.\n\nAnd I just need to do a quick security check with you just to confirm your full name, your date of birth, and address I should have on file there. Yep. Legend. Thank you so much for that. So, Justin, the main document within that email, there is the ongoing service agreement for the twelve months there.\n\nOn the very front page before you press the sign back, you'll see some attached documents below. One of those is the super and insurance summary and the hub twenty four performance report. Can you see the the summaries on there at all? Should be below that one. Yeah.\n\nYep. Perfect. So one of those should say super and insurance summary. Is that the attachment you can see there? Yeah.\n\nPerfect. So that should have the date on there as of the 07/08/2026 that lets you know your super balance is now $2.90 8 and 545. Is that what you can see there? Yours yeah. That's the one.\n\nFantastic. All good. So I'm trying to go too fast. My technology can be horribly painful sometimes, so just making sure you're looking at the same document I am. Beautiful.\n\nWhen I have a look back, I get a new review last. Your balance then was 246,824. I don't see your balance has increased nicely on the last twelve months. So it is really good to see. Very happy with that.\n\nObviously, you're not used to not we're probably more aware of, obviously, what's been happening out there in the market globally at the moment with, you know, this we've seen the war between The US and Iran. We've also sort of seen issues internally in Australia with high inflationary rates, and our interest rates have been increasing as well. So all those things have had a bit of an effect on super and the markets as a whole. The other attached yeah. If you have I'll look at the other report, the performance report, it should say hub twenty four performance report.\n\nIs that heading there? It's a different one. Yeah. No. You're fine.\n\nYeah. That's all good. Beautiful. So this one here is giving you an outline of what your super fund has done and all the individual investments as a whole. The third page there does outline all your individual investments.\n\nYou can see you've got access to Australian equities. You've got bank hybrids, which is defensive assets. We've got global cybersecurity. You've also got some of the tours there, which is the Rafi 200, giving you exposure to mid cap stocks. We've got battery and lithium tech in there, physical gold, which has done really, really well.\n\nWe've got access to the S and P 500, some China stuff there as well, and also listed property. As a whole, most things have performed really, really well. Looking at the first page there, though, you've been along equities. That is down a bit. Obviously, when you sort of have a look at investments and when we're looking at whether an investment needs to be removed or changed from a portfolio, we're looking at how that investment has performed as opposed to the rest of the market.\n\nWith regard to Bennelong, Australian Equities as as a whole, with the ups and downs we have been noticing, have still actually been performing very, very well. The fact that Bannalong is showing it's down a little bit at the moment is pretty significant. I went back and had a really good look at Bannalong as a whole. Unfortunately, they've had some underlying issues within their investment portfolios, so we do wanna look at maybe switching it out of that investment. I think one of the most important things to note is that whilst you do have a good time horizon ahead of you, we don't wanna see you in any investments that are underperforming for too long.\n\nIf something's underperforming and there's an issue within the investment, we need to maybe look at removing that out and replacing it fairly quickly so your portfolio can continue to grow. Does that make sense? It depends. So there is a bit of a down. Have you looked at your portfolio at the moment?\n\nThere is a tax liability of just over $1,000. So if we do sell that, it does mean that the portfolio that we do cement any losses that are being seen within the portfolio as a whole. However, when you consider the tax consequences, so capital gains inside the super system are taxed at 15%. If you tell the investment for more than twelve months, it's taxed at 10%. You get a discount on that.\n\nSo you're not while it shows the earnings are down by $7,800, you're actually not cementing the whole 7,000 loss. The loss would essentially be or the capital loss would essentially be the tax consequences for that. So out of that 15 percent, the Benelon Australian equity is the very first investment. Yeah. Yeah.\n\nI mean, realistically, you had about less than 10% of your portfolio. It wasn't one of your core investments, but the 34,000, That's how much you had in the investment total last year. So at the start of the time frame, this is the ninth of the seventh last year, you had 34,445 in there. And then market value at the end of the period means, at the moment, you've got about 30,520 and 88¢, so that's the market value of the investment. And that essentially shows with growth and income within the portfolio, it is down by 21.29% for that individual investment, which shows total earnings is down by over $7,841.\n\nYeah. Absolutely. Yeah. Look. It does mean cementing a loss, but we are removing that from the portfolios now.\n\nWe just have to update the advice and make sure that we recommend a new investment to put in its place. Having a look, as I said, I had a bit of a look beforehand to see what's been going on with the portfolio and how things are going. The issues within Better Long are because the investments have had some not great investments have had some issues within their portfolios, And the fact that it's down quite heavily, it is best to kind of remove that now. We are cementing a little bit of a loss, but cementing a little bit of a loss does is a benefit because you you don't have your fund doesn't pay any capital gains. It doesn't normally have to pay taxes for doing so.\n\nSo what I can do is I've got a couple of options. Now one of the big things with Stand Along is that it's more of an actively managed fund. So the investment manager for that fund is trying to buy and sell out perform against the market they clearly haven't been able to do so, which is why we wanna remove them from the portfolio wholly. I can, if you would like, I've got a couple of options for other active managers that, again, they are trying to outperform against the market. There's no guarantee that they will.\n\nSometimes they do underperform against the market. It's that then along have had a lot more issues than just underperformance. Essentially, the other option is we can look at something a bit more passively managed. So a passively managed fund is there to track the market. They're not trying to outperform against the market.\n\nOften, when you consider passive versus active management within an investment, passively managed funds tend to outperform much greater because they're not trying to buy and sell against the market. They're not trying to pick the top and the bottom of the market. They're just staying invested. They're following an index. It's often a lot cheaper to do it that way as well.\n\nDid you want me to maybe look at something more passively for you, maybe try to lower the investment cost within your fund and replace that, or did you wanna keep something more actively managed within the portfolio? What would you like to see? Mhmm. Yep. Yeah.\n\nLook. It's absolutely fine. We can put more of an actively managed investment in there for you if you like. That way, we can sort of see how that goes. We just track that over the next sort of twelve months.\n\nAnd then if we find it's still not working, it's not really doing what it needs to, then we can always go the passive the passive managed route. That's absolutely fine. One of the big things I do sort of look for in an investment is, you know, how it has tracked over the last twelve months, how it has been over the last five to ten years even to sort of see if there's any major issues in there. Passive management I mean, there's two sort of ways of looking at risk with your portfolio. One of those is the the type of management within the funds that you're invested in.\n\nObviously, having an active manager is a little bit more risky. You do have those down times. You do tend to feel those down times. Having a passive managed fund does sort of reduce the risk a little bit. But the other side of the risk factor is your growth and defensive assets.\n\nSo as a total in the portfolio you're in, you're in more of a high growth environment. So you see 90% of your investment as growth assets. That's a combination of international equities, Australian equities, listed property, and also commodities like gold and silver, and then there's a small amount, 10% in low risk defensive assets. You can still keep the risk at that higher level by having a passively managed fund in there. One of the big things is is that lowering the cost is more about making sure you're diversified.\n\nSo one of the passively managed funds I'm looking at helps to lower the overall risk of the portfolio because standalone normally holds, say, 15 to 25 different investment options. One of the other ones I've been looking at is actually giving you exposure to, you know, the top 200 companies on the ASX. So it's actually giving you more exposure to the Australian stock market. It's still giving you that high growth asset allocation. It's just a lower cost investment has performed greater, and you're kind of reducing that overall risk of your portfolio by having a less actively managed fund in there.\n\nBut you still keep the risk level with the overall growth of defensive asset allocation. Does that make sense? There's a little bit there's a lot to it. Yes. Yes.\n\nDid you want me to look at both the options and look at how they have performed the overall cost of it, any CGT consequences for making the move, and look at what's gonna put you in a better position moving forward overall? Yep. Beautiful. Beautiful. It's really funny because we also talk about the risk versus reward sort of sort of side to our portfolios, but there's risk isn't just, you know, one manager versus another.\n\nIt's not just growth versus defense. There's so many different risk levels that go into investing in the market and how we diversify, you know, as growth and defensive, also what investment managers we have. There's lots of different options there. So if you want, as you said, you just you pay us to make the recommendation. I'm happy to go back, look at both active and active and passively managed funds, look at how they have performing, look at the overall diversification, the cost of, obviously, making the switch and selling this investment and putting you in something else, and look at how everything has performed, and maybe project that over the next five to ten years for you to see what kind of position that puts you in.\n\nDoes that sound really good? Yes? Yep. Yeah. Well, we do that anyway.\n\nSo in the advice, we have to put down your current position versus the recommended and show you both of those so you can make your decision. Yep. Beautiful. I will do that. Easy.\n\nSo we'll provide a new updated statement of advice for you that shows you where you are currently, what that is projected for, the recommendations that we're making that we're recommending, and then you'll get to see both of those, and you get to decide and tell me whether you're happy to proceed with that or whether you have any alterations. Does that sound okay? Yep. Beautiful. Fantastic.\n\nNow looking at that same document, so while Send Along is down, and most other investments are doing quite well, your Van Es property is down a little bit for the year. That is okay. There's nothing wrong with the investment as a whole. Obviously, property has had a bit of a fallback recently. There's a lot of changes that are going through with regards to property.\n\nIt is still worth keeping invested in that. I will obviously go back and, as part of the overall recommendations, just review the investment. If I feel like moving forward, it's not gonna be anything appropriate and that we maybe need to switch it out, I'm happy to make that recommendation as well. Are you happy for me to review that for you? Yeah.\n\nFantastic. On the second page of that same document, it does give you an overall. So you can see, obviously, that Benelon hasn't performed very well, but all your other investments have well have performed fairly well. You still received a lot of income and growth within the portfolio over the past twelve months, and, essentially, net of fees, including our ongoing service fee, your entire portfolio has actually received a positive 9.58% return. So, overall, you have done quite well.\n\nI can pull the report up for you, two sec. Where are we? Report. There we go. Let's have a look.\n\nLast year's portfolio report, you made net of fees 12.18%. So, yes, it is down a little bit on the last twelve months on the previous twelve months. Sorry. But it's still doing very, very well. Absolutely.\n\nAnd that's really important to note is that whilst you're always wanting great returns and compounding, We're never guaranteed to set return every single year. And with the markets going up and down, with investors going up and down at different levels, some years you'll end up with a twelve, fifteen, or 20% return. Other years, the return could definitely be lower. With a high growth portfolio, because you are taking more risk in the market, you are gonna see and feel those downturns, and it's about making sure you can go through those downturns, allow your portfolio to recover, and come out the other side. With a high growth portfolio, we're looking to average an expected return of between eight to 10% on a yearly basis.\n\nSo while spend along is down for the year, your portfolio has still performed within the expectation. So it is still working the way it should do. The performance as a whole is still within the expected range. And, obviously, having a look at the previous year's report of receiving a 12, I think, 51% return, that was obviously a really well performed year, and that was an over performance for your portfolio there as well. So it is extremely normal to have the ups and downs for some years to get better performance than others, but it's about making sure that we're compounding forward continuously.\n\nAnd over in this sort of environment, realistically, one in every five years, you can expect a negative return or a bit of a downturn as well. So while things have been performing really well, the possibility of a downturn is is expected and will happen in the future. We'll let you know when that happens, why it's happening. It's about making sure you can continue to put your super contributions in, keep dollar cost averaging in, and allow your portfolio to go through those downtimes as well. Does that make sense?\n\nYes. Beautiful. But then, look, it has done really well. Happy with that. I'll go back and review the portfolio.\n\nWe'll do a bit of an investment switch there for you and update things for you as well. Okay? Beautiful. Now I've also got your insurances here. So you do have your MetLife insurance policy.\n\nYou've got some life and TBD only. In the event of passing away, your current life sum insured is about 551,250. When you think about your life insurance and your goal for that, if you were to pass away prematurely, I apologize. Justin, these conversations get a little bit dark. If in the event something was to happen, what exactly is it that you're wanting your life cover to pay out?\n\nWhat are you wanting to happen with that? Yep. Perfect. Yeah. Absolutely.\n\nSo I had down here you owed about 380,000. Is that still fairly accurate? Oh, fantastic. Yeah. That's okay.\n\nHow much do you have in the offset roughly? You're right. Mhmm. Beautiful. Excellent.\n\nFantastic. It's good to see that loan dropping and decreasing quite well. Absolutely. Are you yeah. No.\n\nAbsolutely. Well, having a look at that, I mean, realistically, with your life cover you have at the moment, the $5.51, 250, if you were to pass away, that is paid out to your beneficiaries there. And then your super balance on top of that with the extra 298 is fully paid out as well. So it's essentially together giving you a little over $800,000 in cover to look after your family. Do you feel like that's fairly appropriate?\n\nYou're happy with that? Yep. That's absolutely fine. With TBD, now has anyone explained how TBD works, what TBD is? Do you understand what disability insurance is for?\n\nYeah. So your current sum insured, that one is 551,002 100 and 50. Yeah. Absolutely. In the event of a TBD claim, your super balance can be released as well, so we claim time to incapacity against super.\n\nSo the total benefit gives you about 849,000 paid out. The thing with PPD, I don't know if anyone's ever explained to you, but PPD, the 48 fee claim under the age of 60 is actually taxed. It can be taxed up to 22%. So just like giving you an idea on what that might look like, it essentially means that from the balance you have currently, your super and the TBD benefit, the tax would mean at 22%, about a 186,000 would be deducted from that. So you get that $8.49 minus about a $186,000 there.\n\nIt's honestly really horrible. I don't like it. I disagree with it in any I think it's disgusting. I think if you can't get back to work again due to permanent incapacity, the last thing the government should do is tax that. It's horrible.\n\nEssentially, with the TPD, obviously, the tax is up to 22%. They have this really unusual math equation that they do to work out what the actual tax liability is. I just kinda gave you the estimated based on your current sum insured and super balance at the highest tax rate. If in the event you are actually TBD'd, we will help you with the claim, but then I will give you financial advice on how to limit the tax as much as possible as well, how to hopefully keep the money invested so you can draw a regular income and keep the money working for you as well. So there are things that we can do to help limit that amount of tax, but I kind of like people to understand that CPD, unfortunately, is a tax payment.\n\nAnd if you take the full amount lump sum, a lot of people don't realize how much tax actually gets deducted from that, and it can reduce your CPD, some insured, pretty significantly. And, I mean, a $186,000 could be one or two or three years of your income or of your life that you can't get back. So if you think about it, if you're fully disabled and not able to go back to work again at your current age, you have to live from now to retirement or even longer and make that money last as long as possible. So trying to limit the tax is absolutely a good thing, but I just like to make sure I'm giving you a bit of information explaining how that works. Just so if in the event of a TBD claim, you understand that this is a possibility.\n\nOkay? At the moment, yeah. Yeah. In saying that the the closer you get to retirement, obviously, the lower the tax rate tends to be. The kind of the equation is sort of age 65 minus your age now and then a whole bunch of random things the ATO comes up with.\n\nIt's a bit like the mix rate. Yeah. Yeah. Absolutely. Most people are just sorta happy to cover the mortgage, make sure their family are completely debt free, and then have a couple of years worth of, you know, net income.\n\nOne of the things to sort of think about is if you look at replacement of income in the event of, say, a TBD claim or even death and your insurance is paid out to you, once you've covered that mortgage and the mortgage is fully paid off, the amount that you're currently paying on the mortgage is no longer happening. So, realistically, if you're earning about a $100,000 a year, you could actually generally live on, say, $50,000 a year and make that TBD payment last longer because your living expenses decrease without the mortgage repayment. Does that make sense? Yeah. So this could last you a bit longer.\n\nIn saying that we cover ourselves for a claim that may never happen. One of the biggest things we have is we pay for insurances hoping we never have to claim on them. The biggest risk we have is that we pay out all these premiums for the next twenty or thirty years. We get to retirement. We cancel the insurances or they expire, and we no longer need them anymore.\n\nAnd we never actually claim or benefit from them in any way, shape, or form. Kind of sounds nice when you put it that way, doesn't it? Yeah. You're fine. Absolutely fine.\n\nExcellent. Is I mean, at the moment, do you feel like the level of cover you have is appropriate? Did you wanna maybe look at reviewing the level of cover you have? Are you happy with that? Just knowing everything that yeah.\n\nYeah. Yeah. Yeah. Definitely. And, I mean, the good thing is you are reducing your mortgage pretty heavily.\n\nSo, you know, once you do become fully debt free, obviously, that 500,000 will last would, sorry, would last a lot longer. The other side of that is these insurances are renewed every year, and they are indexed. So you'll notice if you have think about your last year. Last year, when you did your annual review, your life and TPD, you were covered for 525,000. This year, it's gone up to 551,250.\n\nSo your insurance policy is essentially indexed every year. It does increase over time along with inflationary rate. So the idea is that because inflation eats away our buying capacity, a $100 this year isn't less than a $100 next year. If inflation is 2.5%, then a $100 is reduced in buying capacity by 2.5%. So they do increase to some insured of your insurance policy every year as it goes through renewal, so it will continuously increase in smaller increments.\n\nHowever, the cost is also going to increase. As you get older, as the risk of you making a claim increases, your insurance policy is also going to get more expensive. Last year, for your insurance policy, which is kind of interesting I'm gonna pull a certificate of currency up because your insurance policy looks like it decreased in in cost, which if it did is absolutely fine, but it doesn't normally happen that way. Sorry. Let's have a look.\n\nYeah. Yep. Yes. Yep. Yep.\n\nYeah. Definitely. I'm not sure. I'll have to go back into the research. So because the investments go up and down continuously all day every day, we will do I'll do the research and recommend what I'm gonna swap then along with, how it works, and I'll put the switching cost in there for you.\n\nI'll show you what the the tax consequences would look like in the advice for you. Just because I could work out the amount now, but then when I give you the advice document, because it could be, you know, a week or two's time, the amount could be very different. So I'll open the advice I'll I'll do the research on the investments. What we're gonna switch out was look at this, obviously, the cost price, and I'll show you what the tax consequences look like for your super funds and what the difference would be in what you're invested in now versus what you would be invested in that new in that new investment. Does that sound okay?\n\nYes. Yeah. Well, we can't change anything until you agree to the advice. So you'll get to see the advice and then decide whether you want the switch to happen, And then you would just need to sign off those switch before we actually make that change. Yeah.\n\nDoes does that make sense? You're right. You're right. You're welcome to ask more questions and let me know. It's absolutely fine.\n\nIt has. Yeah. Absolutely. And look, it's not coming. Yeah.\n\nIt it could, but the biggest thing we're finding is that it's it's because of the underlying investment. And, essentially, what's gonna happen is one of the underlying investments has had a legal problem. Because of the legal problem, it means that Venlo Long can't remove that investment. So, yes, it could come back. It might take, you know, twelve months.\n\nIt could take four years. It could take even longer than that. We kind of had to work out with our investment committee whether we wait for it to come back or whether we just decide to remove it now. The main decision for removing it now is that Fenelon has been very volatile since COVID. It took a long time to recover from COVID.\n\nThey haven't changed any of their investments within that portfolio since 2020. And generally speaking, to not do that in six years means you have to have very high conviction of those investments. But then they've now had this issue where one of their underlying investments was dishonest to the market. That came out. They've now got a legal issue with one of their underlying investments, and they can't get out of that.\n\nDepending on how that legal issue kinda goes or what happens within the fund means that they could dip even more or they could come back. We essentially, when we looked at the risk of that, decided whilst the portfolio whilst the investment is down, it's not down as badly as what it could be. Sometimes it's best to just cut your loss, remove the investment, and find something else and get that growth moving again rather than just to cross your fingers and hope and wait that it comes back. Does that make sense? Yeah.\n\nOne of the underlying investments I can't remember the exact name of it, but they essentially came out to the mark. Oh, it's Corporate Traveler. There it is. Corporate Traveler is one of the underlying investments. They essentially came out to the market and didn't disclose exactly the cost that they were making.\n\nThey were overcharging people and causing a lot of legal issues. That got disclosed to the market when they were audited, and then they're going through investigations and more audit. And it was more to do with their UK division. So it had quite an effect on them because of the legal issue and they're being audited and investigated. Corporate traveler was at trading halt, which meant that Bannalong could not sell their portion of that investment.\n\nBut we can sell Bannalong. It's the investment yeah. It's the underlying investment. It's corporate traveler within Bennelong. Yeah.\n\nSo it's better to get rid of it now. No. You're right. It's it's just better to sort of get rid of it now rather than hope and wait knowing that the risk of it getting worse or getting it may not recover for a longer period of time is there. Yeah.\n\nSometimes it's best to yeah. You're sometimes it's best to just cut your losses and find a better investment to take its place rather than to just hope and wait that it's gonna come back. But, I mean, this this is an issue with corporate travel that happened a few months back, and Venmo hasn't come back and recovered from that. So it is best to just kind of look at removing that from your portfolio, and then we, you know, switch you out, get something that's performing better. Yeah.\n\nYeah. It is. And they can't sell that from their portfolio, but we can remove you from Van Alon to make it easier. I said they can't sell out of that investment, so we can sell you out of Van Alon. We can get you out of Van Alon.\n\nBut then a long time, they'll corporate travel out of their portfolio. Yep. Yeah. It's a little bit. The way the investments work is a little bit funny.\n\nSo you have layers. So you for your super fund, we've invested you in a portfolio. The portfolio has included Venalong. Venalong then has other investments within that, and then other investments have more investments. There's always layers to the way investing works.\n\nSo it's a little bit convoluted, but yeah. Look. I definitely wanna move you out of that. I'm gonna be really honest. Strong in my conviction with that.\n\nI've been trying to move everyone out of Bangalore as quickly as we possibly can because it in the last sort of six months, it has not come back, and I don't see it coming back in a hurry. And the fact that over the last six years, it had such ups and downs. They have not made any changes to their investments. And even with the markets changing between from COVID to now, the fact that they haven't changed their underlying investments. They've held that conviction strong means that they believe in those, which is fine for them.\n\nBut what you invest in in, say, six years ago might need to be altered. Markets change, trends change, things change over time, and investment portfolios need to continuously change with that, making sure they're updated and continued along with the trend, along with what's happening, along with your goals as well. So there's nothing wrong with removing it from your portfolio. As I said, I'll do the research around what investments we put you into as a difference. I'll show you the recommendation in the advanced document, well, on the cost involved, the advantages, disadvantages, the risks involved.\n\nYou get to have a look at that, take it away, and then decide whether you're happy to take that advice or not. Yeah. So what I'll do is after the call, I'll book you in for two weeks. I'll do the my payment, I will do this all the research in the meantime, and then we'll come back in two weeks, and we'll go through that together. Does that sound okay?\n\nYeah. Beautiful. Beautiful. Excellent. All good.\n\nNow just sort of back to the insurance side of things, you don't have any income protection or any trauma. Has anyone ever spoken to you about income protection in the past? And so what would happen if you were unable to get to work in the short term? I know you're off at the moment, but how do you sort of cover your income? Okay.\n\nPerfect. Oh, you need these? Absolutely fine. That's not a problem. Also, you have sort of income protection covered with the union there to cover you.\n\nThat's absolutely fine. That's perfect. That's actually very good. Yeah. Oh, fantastic.\n\nThat's really, really good. Yeah. Do you reckon you'll be needing to claim on that with the surgery you've gone through, or do you think you'll be back at work before then? Okay. Beautiful.\n\nExcellent. Lovely. Lovely. Excellent. With the insurances, so, like, your life and TPD is paid for inside super.\n\nHowever, with other insurances like trauma and things like that, you have to pay them outside of you obviously don't have any trauma insurance. And just to give you a bit of a lowdown, trauma can cover you or pay out a lump sum benefit if you're diagnosed with a major condition, things like heart attack, stroke, cancer is probably the biggest one, Parkinson's. Not having trauma means you don't have that level of cover. Did you wanna look at getting any trauma or any other types of insurance that you don't currently hold? Are you just happy with your life and CBD?\n\nYes. No. That's absolutely fine. That's not a problem at all. Beautiful.\n\nWell, that's essentially going through all of those documents there. The only other ones attached are our financial services guide, which outlines all the information on myself, on OB Financial, all of our services that we do provide. We've got the ongoing service fee agreement there as well for the next twelve months. So as a client, you do pay us an ongoing service fee for monitoring, looking after your super, updating, providing advice, doing news reviews, and sort of tracking forward towards your retirement goals there. The ongoing service fee is 1.65 per annum.\n\nIt is deducted in smaller monthly increments out of your super, the idea is as a percentage fee, it does fluctuate with the market. So it does work in your benefit where the market is higher. It means that our fee is gonna be slightly higher. However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well. So, essentially, what I'll get you to do is have a look through those documents there.\n\nIf you are happy with everything, we'll get you to sign and return that back there for us, and that allows us to continue looking after everything for the next twelve months. I'll go back and review your portfolio, look at how it has performed, all the costs involved, make a recommendation on switching out that then along. I'll look at the other investments as well and see if there's anything else that flags we might need to move or if there's a better performing portfolio that, you know, could provide greater benefit moving forward, and I'll update the advice for you to reflect the recommendations, the cost involved, advantages, disadvantages, or risks for you to consider. Does that make all sense? Do you have any questions there, Dustin?\n\nSorry. I go through quite a lot. Yeah. That's okay. Is it just spinning like a wheel of death?\n\nYeah. That'll be fine. Legend. Thank you for that. All good.\n\nNow I just wanted to update all of your circumstances here. Just checking to see what may have changed in your life. I've updated your mortgage, which is fantastic. Other assets I had, you've got a boat. Do you still have that boat?\n\nYeah. Love it's all good. I've got a value of 25,000 on that one. Would you still value it the same or yes. Beautiful.\n\nI've got your car down with a value of 45,000. Would that be fairly accurate? Yep. Perfect. Yeah.\n\nAbsolutely fine. Let's leave it at 40. Beautiful. I've got down your asset value about 15,000. Okay.\n\nBeautiful. And we have here about 80,000 in savings that you are planning to use towards some renovations. Is that okay. Beautiful. And that's from the offset account?\n\nYeah. Perfect. Beautiful. And then I've got here some solar, which you had about 18,000 of debt on. Have you paid down the solar?\n\nOkay. Perfect. Yeah. Absolutely. We'll knock that down for you.\n\nFantastic. Any other assets or shares or cryptocurrency or anything else that you might have there at the moment we should probably note down? That's okay. Yeah. That's okay.\n\nLook, honestly, as advisers, we do also do not just super insurances, but we do build investment portfolios so you can build wealth outside of super if that's one of your goals as well. So if you do wanna sort of have that conversation, talk more about what else we can do, or look at building wealth outside of Super, let us know. We can definitely help you along with that as well. Okay? Fantastic.\n\nI did have a look at your beneficiary nominations as well, and I just wanted to clarify. So I've got Kristen down as a yeah. As a beneficiary on both your life insurance and your super, but her name is different on both of them. Her surname is different on each. What surname does she give us?\n\nOkay. So it's her the life okay. So her life insurance is under the maiden name, and her ID is all in your married name? Absolutely. Yeah.\n\nAbsolutely. Because we will need to update that one. So what I'll do is I'll get a new beneficiary set up for the life insurance with MetLife. I'll get that are you happy for us to prefill that with her information? Yep.\n\nFantastic. That's okay. My main concern is if something did happen and she was then gone claim, not having the correct name as her ID causes a bit of an issue and can make the claim a lot harder. So it's all best to have it updated now or to reflect. That way, if in the event something happens, it's all sorted.\n\nI also kind of like to point out as well just letting her know that you do have life insurance and super and that if she ever did need to make a claim on those, just to call us and we would help facilitate the claim for her. So I have just had it in the past where clients have not made mention of an adviser, they passed away, and, yeah, a few months later, someone calls up and goes, hey. Who are you? What do you do? And we have to explain what we do, how things work, and we help them do the claim, you know, several months down the track.\n\nYeah. Yeah. No. That's okay. Fantastic.\n\nAnd, look, honestly, we hope nothing happens. I want you to get to retirement. You know, once your kids grow up and get old and go through life perfectly fine, and we just always have to make sure these little things are all in place to protect you in the event that something happens. Yeah. Excellent.\n\nOn your super, your beneficiary nomination is set up as a binding lapsing nomination. That essentially means that we you'll need to resign that dot that nomination form every three years. You have other options for beneficiary nominations. One of them is a non lapsing binding, which means you fill the nomination out now and you never have to fill it out again. It stays in place.\n\nAre you happy with your super nomination refilling the document out every three years, or did you want me to update that so you do it once and never have signed it again? Yep. Yep. Yep. Absolutely fine.\n\nNot a problem at all. With your super life insurance, did you want me to I'll double check whether MetLife allows for non lapsing binding or just lapsing binding. But if they have the option between two, do you want it to be the same as your super so it just gets updated every three years? Yep. Okay.\n\nNo worries. Yep. That's that's fine. Not a problem at all. We'll get that sorted for you and resent out.\n\nIs emailing or posting that beneficiary nomination to be signed gonna be easier for you? That's okay. Did you wanna email or post that nomination to you? Email. Yep.\n\nPerfect. All good. Yep. Oh, beautiful. Thank you so much for that.\n\nThe other thing I have down here is that you guys didn't have a will and power of attorney, Daf. Have you spoken about seeking the services of, like, a lawyer? Yes. Yep. That's okay.\n\nThere is all of the states do have local trustees, which you can do will kits very, very simply. If you did you want me to do up an email? I have some information on the, like, the local government trust fees that can help you to do a very simple will. They do them over the phone via email or just in the local government office. Did you want me to find yeah.\n\nI'll find that information to email through to you. Sometimes that can just make things a lot simpler and easier. Okay. Yeah. No.\n\nThat's okay. Not an issue at all. And so just with your super, you're obviously in that high growth environment. It does suit someone who's not accessing super for the next sort of know, eight to ten years. You've got a lot longer than that ahead of you.\n\nAre you happy to stay in that high growth environment, or did you wanna reassess your risk level with the super asset allocation? Yeah. Yeah. I think one of the difference yeah. So the the high growth and the aggressive I mean, to go up from where you are aggressive, you're a 100% invested in equities and growth investments.\n\nSo the benefit to having a high growth portfolio is you do have some defensive investments because there are times when equities see a lot of volatility, and this is probably a really good example of that with the war between The US and Iran. And so having defensive investments often provides some downside protection for when those equities are fluctuating pretty heavily. So that high growth environment has that ninety, ten split, whereas if you took on a big risk and moves more aggressive, you're a 100% in equities with essentially no defensive investment as a bit of a backup. So high growth is absolutely fine. It's not in any way, shape, or form bad.\n\nIt's honestly suited to your time horizon. If you wanted to go a bit more aggressive, you could, But having some defensive investments does give you some long term downside protection as well. Yep. That's absolutely fine. Beautiful.\n\nThe only other thing to check here, I've got income. Your income last year was about 160,000. Have you had a pay rise since then? Or fantastic. Excellent.\n\nAnd you're still salary sacrificing about 5% of your wage? Yep. Beautiful. Excellent. Still happy to continue with that.\n\nThat's definitely helping long term. Yep. Beautiful. And are you finding that you're still saving a bit? We had down here that you had about two or averaged about $200 per week savings last year.\n\nAre you still finding that you're saving that fairly fairly well with income? Yeah. Beautiful. Yes. Yep.\n\nAll the expenses stuff. Yeah. No. Fantastic. And long term goals, we're working towards, hopefully, retiring at the age of 60 on about $1,500 per week.\n\nIs that still your goal for that long term for the horizon? Yep. You. Yeah. That's okay.\n\nWell, when we get closer to that, one of the things I do sort of like if she's comfortable with that down the track, when you get into sort of the fifties and we're sort of looking at the time that we can look at both of them for you and sort of see how things should be structured, how the drawdown looks, and what the longevity of looks like. But that's kind of for you a long time down the track. We'll sort of focus on trying to build that as much as as we can over the next five to ten years and keep doing that as we get further and closer and closer to retirement. Okay? So the earliest you can is 60 currently.\n\nAs long as you fully retire, if you keep working past 60 at 65, they will just allow you to access your super regardless of whether you're working or not. Yeah. Are you want are you wanting to sort of look at trying to retire earlier than that, or you think 60 would be the age? Yes. Yep.\n\nAnd, look, you absolutely can. It's just about looking at ways to build wealth outside of Super, whether that be, you know, buying investment property and kind of build that up and sell it off or whether you invest in a investment portfolio outside of Super. You absolutely can look to retire earlier, but we just have to find ways to supplement the wealth and the income between 50 to 60. Yeah. Absolutely.\n\nYeah. And I just if that's something you wanna do, let us know. We can definitely help you out and talk to you and provide additional advice in those areas. So, yeah, just have a chat about what your joint goals are. Absolutely.\n\nThe only other thing I had here was that you guys were looking to save up for a new kitchen. Has that kitchen been installed, or is that still on the list? No. All absolutely. And interest rates are going up again at the moment, so we wanna limit that as much as possible.\n\nYeah. Absolutely. No. All good. Essentially, from here, I'll just go back and do some research there for you.\n\nWell, I've got you I'll book you in now for the next two weeks so we can go through that advice document together. I know you may be back at work in that two week period. When normally, when would be the best time to sort of go through things with you and have that chat? Okay. Good.\n\nAbsolutely. Yep. So I have availability Monday the twentieth for you if you like. I can do 5PM if that's okay. Perfect.\n\nYep. Perfect. I'll book that one in there for you. I'll add a little text message reminder because it is about two weeks away. Sorry.\n\nThe message will come out to let you know that you had we had you booked in for your advice presentation, and I'll give you a call at 5PM. We'll run through that. It won't take very long, and then you'll get to go back and have a really good read at the document. Okay? That's okay.\n\nNot a problem. I will let you go. That's basically everything to go through and update there for you. I know I've gone through a fair bit and jumped around. Is there any additional questions that may have come out or anything else that I might not have touched on?\n\nBeen along? Yeah. Yep. Yep. Absolutely.\n\nYeah. No. Absolutely. Let's get you out of that and get your portfolio continuous working and compounding. We wanna get you the best possible retirement possible.\n\nBecause, I mean, you've got a lot of working life ahead of you, but you also spend, you know, anywhere from twenty, thirty, or forty years in retirement. That's a long time to be retired. The money needs to last as long as possible for you. So all good, Justin. Look.\n\nThank you so much for your time. It was honestly an absolute pleasure to chat to you today. I hope you have a really good week. The kids are all on school holidays with you. Or yes.\n\nOh, look. That's not a bad thing. Enjoy that time. Oh, good, Dustin. Well, I'll talk to you on the twentieth.\n\nI'll do the ring test in the meantime. You have a lovely week, and I hope you have a good recovery. And I'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Dustin.","start":1.5999999,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.11989613622426987},{"text":"It's Dana from Oakview Financial.","start":2.3999999,"end":4.24,"sentiment":"neutral","sentiment_score":0.17530674040317534},{"text":"How are you this morning?","start":4.24,"end":5.38,"sentiment":"neutral","sentiment_score":0.2208501547574997},{"text":"I'm very well.","start":7.12,"end":8.0,"sentiment":"positive","sentiment_score":0.5440368254979452},{"text":"Thank you.","start":8.0,"end":8.559999,"sentiment":"positive","sentiment_score":0.6147599816322327}],"sentiment":"neutral","sentiment_score":0.2989533640006009,"num_words":17,"start":1.5999999,"end":8.559999},{"sentences":[{"text":"I have people going to go through a bit of an annual review today.","start":8.559999,"end":11.28,"sentiment":"neutral","sentiment_score":0.21270686175142015},{"text":"Is now still a good time there for you?","start":11.28,"end":13.299999,"sentiment":"neutral","sentiment_score":0.18729799489180246},{"text":"Fantastic.","start":15.245,"end":15.745,"sentiment":"positive","sentiment_score":0.4121850430965424},{"text":"I was trying to take up too much of your time there.","start":15.884999,"end":18.285,"sentiment":"neutral","sentiment_score":0.027332551156481106},{"text":"Are you working this morning?","start":18.285,"end":19.724998,"sentiment":"neutral","sentiment_score":-0.0037502288818359376}],"sentiment":"neutral","sentiment_score":0.13134152514905464,"num_words":41,"start":8.559999,"end":19.724998},{"sentences":[{"text":"Or oh, so sorry.","start":19.724998,"end":25.025,"sentiment":"neutral","sentiment_score":-0.01887730066664517},{"text":"How's your recovery going?","start":25.085,"end":26.865,"sentiment":"neutral","sentiment_score":0.06691499752923846},{"text":"Yep.","start":29.78,"end":30.28,"sentiment":"neutral","sentiment_score":0.13499155640602112},{"text":"Yep.","start":30.34,"end":30.58,"sentiment":"neutral","sentiment_score":0.0982418656349182},{"text":"We got plenty of Netflix to watch or something to read.","start":30.58,"end":33.4,"sentiment":"neutral","sentiment_score":0.11958649483594028}],"sentiment":"neutral","sentiment_score":0.08289693584222169,"num_words":21,"start":19.724998,"end":33.4},{"sentences":[{"text":"Oh, well, I hope your recovery continues.","start":37.78,"end":40.2,"sentiment":"neutral","sentiment_score":0.1466576542173113},{"text":"Oh, I'm so sorry to hear that.","start":40.74,"end":42.84,"sentiment":"neutral","sentiment_score":-0.015539147891104221},{"text":"All good.","start":43.235,"end":43.895,"sentiment":"neutral","sentiment_score":-0.07295159809291363},{"text":"I did send through an email to you with a couple of the documents to run through with regards to your annual review there as you have access to your emails.","start":45.075,"end":52.195,"sentiment":"neutral","sentiment_score":-0.08381396003307835},{"text":"If you don't, that is absolutely okay.","start":52.195,"end":54.055,"sentiment":"neutral","sentiment_score":-0.13185750799519674}],"sentiment":"neutral","sentiment_score":-0.05091312905359599,"num_words":54,"start":37.78,"end":54.055},{"sentences":[{"text":"Yep.","start":56.21,"end":56.71,"sentiment":"neutral","sentiment_score":0.14207422733306885},{"text":"Fantastic.","start":56.85,"end":57.35,"sentiment":"neutral","sentiment_score":0.30842316150665283},{"text":"And just before I jump into the call, just letting you know moving forward, would you record our call for quality and training purposes?","start":57.81,"end":62.93,"sentiment":"neutral","sentiment_score":0.13859224071105322},{"text":"Would you happy for me to proceed with that?","start":62.93,"end":64.95,"sentiment":"neutral","sentiment_score":0.152796424097485},{"text":"Fantastic.","start":66.05,"end":66.55,"sentiment":"neutral","sentiment_score":0.22665515542030337}],"sentiment":"neutral","sentiment_score":0.1494037260611852,"num_words":36,"start":56.21,"end":66.55},{"sentences":[{"text":"And I just need to do a quick security check with you just to confirm your full name, your date of birth, and address I should have on file there.","start":66.61,"end":73.41499,"sentiment":"neutral","sentiment_score":0.10472025672594706},{"text":"Yep.","start":74.835,"end":75.335,"sentiment":"neutral","sentiment_score":0.01397471409291029},{"text":"Legend.","start":78.91499,"end":79.41499,"sentiment":"neutral","sentiment_score":0.09722162783145905},{"text":"Thank you so much for that.","start":79.715,"end":81.494995,"sentiment":"neutral","sentiment_score":0.30712752044200897},{"text":"So, Justin, the main document within that email, there is the ongoing service agreement for the twelve months there.","start":81.875,"end":87.47,"sentiment":"neutral","sentiment_score":0.0955633238742226}],"sentiment":"neutral","sentiment_score":0.12125039157833446,"num_words":57,"start":66.61,"end":87.47},{"sentences":[{"text":"On the very front page before you press the sign back, you'll see some attached documents below.","start":87.47,"end":92.69,"sentiment":"neutral","sentiment_score":0.05236355894628693},{"text":"One of those is the super and insurance summary and the hub twenty four performance report.","start":93.15,"end":98.51,"sentiment":"neutral","sentiment_score":0.05690863262861967},{"text":"Can you see the the summaries on there at all?","start":98.51,"end":101.33,"sentiment":"neutral","sentiment_score":0.04273762479424477},{"text":"Should be below that one.","start":105.655,"end":107.015,"sentiment":"neutral","sentiment_score":0.042759595811367034},{"text":"Yeah.","start":107.015,"end":107.515,"sentiment":"neutral","sentiment_score":0.03220314905047417}],"sentiment":"neutral","sentiment_score":0.05049175510601121,"num_words":49,"start":87.47,"end":107.515},{"sentences":[{"text":"Yep.","start":115.35,"end":115.85,"sentiment":"neutral","sentiment_score":0.03324950486421585},{"text":"Perfect.","start":118.07,"end":118.57,"sentiment":"neutral","sentiment_score":0.22635334730148315},{"text":"So one of those should say super and insurance summary.","start":118.79,"end":121.99,"sentiment":"neutral","sentiment_score":0.09854966402053833},{"text":"Is that the attachment you can see there?","start":121.99,"end":123.99,"sentiment":"neutral","sentiment_score":0.016591403749771416},{"text":"Yeah.","start":123.99,"end":124.49,"sentiment":"neutral","sentiment_score":0.063198983669281}],"sentiment":"neutral","sentiment_score":0.06862046219231117,"num_words":21,"start":115.35,"end":124.49},{"sentences":[{"text":"Perfect.","start":126.485,"end":126.985,"sentiment":"positive","sentiment_score":0.4806225001811981},{"text":"So that should have the date on there as of the 07/08/2026 that lets you know your super balance is now $2.90 8 and 545.","start":132.885,"end":142.06999,"sentiment":"neutral","sentiment_score":0.12203510962426663},{"text":"Is that what you can see there?","start":142.06999,"end":143.45,"sentiment":"neutral","sentiment_score":0.03198988309928349},{"text":"Yours yeah.","start":148.15,"end":149.98999,"sentiment":"neutral","sentiment_score":0.008053366211242974},{"text":"That's the one.","start":149.98999,"end":150.89,"sentiment":"neutral","sentiment_score":0.026992732658982277}],"sentiment":"neutral","sentiment_score":0.10138195665479686,"num_words":38,"start":126.485,"end":150.89},{"sentences":[{"text":"Fantastic.","start":152.885,"end":153.385,"sentiment":"positive","sentiment_score":0.5954709649085999},{"text":"All good.","start":154.08499,"end":154.405,"sentiment":"positive","sentiment_score":0.5043806433677673},{"text":"So I'm trying to go too fast.","start":154.405,"end":155.765,"sentiment":"neutral","sentiment_score":-0.04368084083710398},{"text":"My technology can be horribly painful sometimes, so just making sure you're looking at the same document I am.","start":155.765,"end":161.925,"sentiment":"neutral","sentiment_score":-0.12593975633774934},{"text":"Beautiful.","start":161.925,"end":162.425,"sentiment":"neutral","sentiment_score":0.3136295974254608}],"sentiment":"neutral","sentiment_score":-0.026025313573578995,"num_words":30,"start":152.885,"end":162.425},{"sentences":[{"text":"When I have a look back, I get a new review last.","start":164.245,"end":166.38,"sentiment":"neutral","sentiment_score":0.046537521916131176},{"text":"Your balance then was 246,824.","start":166.46,"end":170.34,"sentiment":"neutral","sentiment_score":0.09308382421731949},{"text":"I don't see your balance has increased nicely on the last twelve months.","start":170.34,"end":173.66,"sentiment":"neutral","sentiment_score":0.18158919249589628},{"text":"So it is really good to see.","start":173.66,"end":174.94,"sentiment":"positive","sentiment_score":0.46596239294324604},{"text":"Very happy with that.","start":174.94,"end":176.16,"sentiment":"positive","sentiment_score":0.6360865831375122}],"sentiment":"neutral","sentiment_score":0.22416126755316082,"num_words":41,"start":164.245,"end":176.16},{"sentences":[{"text":"Obviously, you're not used to not we're probably more aware of, obviously, what's been happening out there in the market globally at the moment with, you know, this we've seen the war between The US and Iran.","start":176.38,"end":186.815,"sentiment":"neutral","sentiment_score":-0.0900197199268921},{"text":"We've also sort of seen issues internally in Australia with high inflationary rates, and our interest rates have been increasing as well.","start":187.035,"end":194.0,"sentiment":"neutral","sentiment_score":-0.11423874731090936},{"text":"So all those things have had a bit of an effect on super and the markets as a whole.","start":194.0,"end":198.65999,"sentiment":"neutral","sentiment_score":-0.09175455099657963},{"text":"The other attached yeah.","start":199.76,"end":202.9,"sentiment":"neutral","sentiment_score":-0.06971988081932068},{"text":"If you have I'll look at the other report, the performance report, it should say hub twenty four performance report.","start":203.2,"end":209.44499,"sentiment":"neutral","sentiment_score":-0.01932765180245042}],"sentiment":"neutral","sentiment_score":-0.08090932457251292,"num_words":102,"start":176.38,"end":209.44499},{"sentences":[{"text":"Is that heading there?","start":209.44499,"end":210.58499,"sentiment":"neutral","sentiment_score":-0.016140256077051163},{"text":"It's a different one.","start":216.805,"end":217.92499,"sentiment":"neutral","sentiment_score":-0.07085169106721878},{"text":"Yeah.","start":217.92499,"end":218.245,"sentiment":"neutral","sentiment_score":-0.02279539778828621},{"text":"No.","start":218.245,"end":218.48499,"sentiment":"neutral","sentiment_score":-0.051947325468063354},{"text":"You're fine.","start":218.48499,"end":219.385,"sentiment":"neutral","sentiment_score":-0.010094329714775085}],"sentiment":"neutral","sentiment_score":-0.03690826427191496,"num_words":12,"start":209.44499,"end":219.385},{"sentences":[{"text":"Yeah.","start":222.18,"end":222.68,"sentiment":"neutral","sentiment_score":0.16011318564414978},{"text":"That's all good.","start":223.3,"end":224.44,"sentiment":"neutral","sentiment_score":0.2988788882891337},{"text":"Beautiful.","start":229.54,"end":230.04,"sentiment":"neutral","sentiment_score":0.2778397798538208},{"text":"So this one here is giving you an outline of what your super fund has done and all the individual investments as a whole.","start":230.26,"end":236.705,"sentiment":"neutral","sentiment_score":0.13616358768194914},{"text":"The third page there does outline all your individual investments.","start":236.925,"end":240.04501,"sentiment":"neutral","sentiment_score":0.07605069307610393}],"sentiment":"neutral","sentiment_score":0.13751340167931256,"num_words":39,"start":222.18,"end":240.04501},{"sentences":[{"text":"You can see you've got access to Australian equities.","start":240.04501,"end":242.52501,"sentiment":"neutral","sentiment_score":0.10433242966731389},{"text":"You've got bank hybrids, which is defensive assets.","start":242.52501,"end":245.18501,"sentiment":"neutral","sentiment_score":0.16283857636153698},{"text":"We've got global cybersecurity.","start":245.645,"end":247.02501,"sentiment":"neutral","sentiment_score":0.21976368501782417},{"text":"You've also got some of the tours there, which is the Rafi 200, giving you exposure to mid cap stocks.","start":247.485,"end":252.98,"sentiment":"neutral","sentiment_score":0.19306551292538643},{"text":"We've got battery and lithium tech in there, physical gold, which has done really, really well.","start":253.52,"end":258.34,"sentiment":"positive","sentiment_score":0.4662721212953329}],"sentiment":"neutral","sentiment_score":0.2533757792491662,"num_words":57,"start":240.04501,"end":258.34},{"sentences":[{"text":"We've got access to the S and P 500, some China stuff there as well, and also listed property.","start":258.72,"end":264.1,"sentiment":"positive","sentiment_score":0.34577798608102295},{"text":"As a whole, most things have performed really, really well.","start":264.825,"end":267.965,"sentiment":"positive","sentiment_score":0.6389625936746597},{"text":"Looking at the first page there, though, you've been along equities.","start":268.345,"end":271.005,"sentiment":"neutral","sentiment_score":-0.05670661546967246},{"text":"That is down a bit.","start":271.145,"end":272.525,"sentiment":"negative","sentiment_score":-0.3343876600265503},{"text":"Obviously, when you sort of have a look at investments and when we're looking at whether an investment needs to be removed or changed from a portfolio, we're looking at how that investment has performed as opposed to the rest of the market.","start":272.985,"end":284.55,"sentiment":"neutral","sentiment_score":-0.1209210443288781}],"sentiment":"neutral","sentiment_score":0.062091951089149174,"num_words":88,"start":258.72,"end":284.55},{"sentences":[{"text":"With regard to Bennelong, Australian Equities as as a whole, with the ups and downs we have been noticing, have still actually been performing very, very well.","start":285.49,"end":294.22998,"sentiment":"neutral","sentiment_score":0.1790010724906568},{"text":"The fact that Bannalong is showing it's down a little bit at the moment is pretty significant.","start":294.565,"end":298.825,"sentiment":"neutral","sentiment_score":-0.22642809678526485},{"text":"I went back and had a really good look at Bannalong as a whole.","start":299.525,"end":302.405,"sentiment":"neutral","sentiment_score":0.024631634088499204},{"text":"Unfortunately, they've had some underlying issues within their investment portfolios, so we do wanna look at maybe switching it out of that investment.","start":302.405,"end":310.025,"sentiment":"negative","sentiment_score":-0.3587634667106297},{"text":"I think one of the most important things to note is that whilst you do have a good time horizon ahead of you, we don't wanna see you in any investments that are underperforming for too long.","start":310.245,"end":319.66,"sentiment":"neutral","sentiment_score":-0.20648926194455172}],"sentiment":"neutral","sentiment_score":-0.12341583251826845,"num_words":118,"start":285.49,"end":319.66},{"sentences":[{"text":"If something's underperforming and there's an issue within the investment, we need to maybe look at removing that out and replacing it fairly quickly so your portfolio can continue to grow.","start":319.66,"end":329.315,"sentiment":"neutral","sentiment_score":-0.23608758877361974},{"text":"Does that make sense?","start":329.315,"end":330.375,"sentiment":"neutral","sentiment_score":-0.03342138044536114},{"text":"It depends.","start":335.07498,"end":335.815,"sentiment":"neutral","sentiment_score":-0.036268819123506546},{"text":"So there is a bit of a down.","start":335.875,"end":337.92,"sentiment":"neutral","sentiment_score":-0.07775878347456455},{"text":"Have you looked at your portfolio at the moment?","start":337.92,"end":340.26,"sentiment":"neutral","sentiment_score":-0.08507486267222299}],"sentiment":"neutral","sentiment_score":-0.1650496748862443,"num_words":54,"start":319.66,"end":340.26},{"sentences":[{"text":"There is a tax liability of just over $1,000.","start":340.64,"end":343.84,"sentiment":"neutral","sentiment_score":-0.21174676385190752},{"text":"So if we do sell that, it does mean that the portfolio that we do cement any losses that are being seen within the portfolio as a whole.","start":343.84,"end":351.62,"sentiment":"neutral","sentiment_score":-0.16912017576396465},{"text":"However, when you consider the tax consequences, so capital gains inside the super system are taxed at 15%.","start":352.565,"end":360.005,"sentiment":"neutral","sentiment_score":-0.27990512053171795},{"text":"If you tell the investment for more than twelve months, it's taxed at 10%.","start":360.005,"end":363.605,"sentiment":"neutral","sentiment_score":-0.1968499549797603},{"text":"You get a discount on that.","start":363.605,"end":364.98,"sentiment":"neutral","sentiment_score":-0.14089970787366232}],"sentiment":"neutral","sentiment_score":-0.2037423411011696,"num_words":75,"start":340.64,"end":364.98},{"sentences":[{"text":"So you're not while it shows the earnings are down by $7,800, you're actually not cementing the whole 7,000 loss.","start":365.46002,"end":373.24002,"sentiment":"negative","sentiment_score":-0.37193564549088476},{"text":"The loss would essentially be or the capital loss would essentially be the tax consequences for that.","start":373.38,"end":378.5,"sentiment":"negative","sentiment_score":-0.46937599076944236},{"text":"So out of that 15 percent, the Benelon Australian equity is the very first investment.","start":378.5,"end":386.005,"sentiment":"neutral","sentiment_score":-0.001268347849448522},{"text":"Yeah.","start":389.425,"end":389.925,"sentiment":"neutral","sentiment_score":0.02454220876097679},{"text":"Yeah.","start":392.065,"end":392.54498,"sentiment":"neutral","sentiment_score":-0.029661737382411957}],"sentiment":"neutral","sentiment_score":-0.28596758331965516,"num_words":54,"start":365.46002,"end":392.54498},{"sentences":[{"text":"I mean, realistically, you had about less than 10% of your portfolio.","start":392.54498,"end":397.13,"sentiment":"neutral","sentiment_score":-0.09218234134217103},{"text":"It wasn't one of your core investments, but the 34,000, That's how much you had in the investment total last year.","start":398.39,"end":412.245,"sentiment":"neutral","sentiment_score":-0.029057168401777744},{"text":"So at the start of the time frame, this is the ninth of the seventh last year, you had 34,445 in there.","start":412.245,"end":418.98,"sentiment":"neutral","sentiment_score":-0.04939266548238017},{"text":"And then market value at the end of the period means, at the moment, you've got about 30,520 and 88¢, so that's the market value of the investment.","start":419.46002,"end":427.88,"sentiment":"neutral","sentiment_score":-0.08687052696391388},{"text":"And that essentially shows with growth and income within the portfolio, it is down by 21.29% for that individual investment, which shows total earnings is down by over $7,841.","start":428.5,"end":442.025,"sentiment":"neutral","sentiment_score":-0.19112024096579389}],"sentiment":"neutral","sentiment_score":-0.0963154818845896,"num_words":112,"start":392.54498,"end":442.025},{"sentences":[{"text":"Yeah.","start":444.90002,"end":445.40002,"sentiment":"neutral","sentiment_score":-0.05929769575595856},{"text":"Absolutely.","start":447.62003,"end":448.12003,"sentiment":"neutral","sentiment_score":-0.05229012295603752},{"text":"Yeah.","start":448.26,"end":448.58002,"sentiment":"neutral","sentiment_score":-0.09793421626091003},{"text":"Look.","start":448.58002,"end":448.90002,"sentiment":"neutral","sentiment_score":-0.17828583717346191},{"text":"It does mean cementing a loss, but we are removing that from the portfolios now.","start":448.90002,"end":453.06,"sentiment":"neutral","sentiment_score":-0.2822492867708206}],"sentiment":"neutral","sentiment_score":-0.24323932493203565,"num_words":19,"start":444.90002,"end":453.06},{"sentences":[{"text":"We just have to update the advice and make sure that we recommend a new investment to put in its place.","start":453.06,"end":459.16,"sentiment":"neutral","sentiment_score":-0.0990673718707902},{"text":"Having a look, as I said, I had a bit of a look beforehand to see what's been going on with the portfolio and how things are going.","start":460.39502,"end":466.635,"sentiment":"neutral","sentiment_score":-0.07619628217071295},{"text":"The issues within Better Long are because the investments have had some not great investments have had some issues within their portfolios, And the fact that it's down quite heavily, it is best to kind of remove that now.","start":466.635,"end":479.06,"sentiment":"negative","sentiment_score":-0.43777741549106747},{"text":"We are cementing a little bit of a loss, but cementing a little bit of a loss does is a benefit because you you don't have your fund doesn't pay any capital gains.","start":479.06,"end":487.78,"sentiment":"neutral","sentiment_score":-0.030727858796264187},{"text":"It doesn't normally have to pay taxes for doing so.","start":487.78,"end":490.965,"sentiment":"neutral","sentiment_score":-0.06348045864142478}],"sentiment":"neutral","sentiment_score":-0.17508438046495536,"num_words":131,"start":453.06,"end":490.965},{"sentences":[{"text":"So what I can do is I've got a couple of options.","start":491.505,"end":493.905,"sentiment":"neutral","sentiment_score":0.08527434493104617},{"text":"Now one of the big things with Stand Along is that it's more of an actively managed fund.","start":493.905,"end":498.545,"sentiment":"neutral","sentiment_score":0.025772954751220014},{"text":"So the investment manager for that fund is trying to buy and sell out perform against the market they clearly haven't been able to do so, which is why we wanna remove them from the portfolio wholly.","start":498.545,"end":509.59,"sentiment":"neutral","sentiment_score":-0.20032327974567543},{"text":"I can, if you would like, I've got a couple of options for other active managers that, again, they are trying to outperform against the market.","start":510.21,"end":518.605,"sentiment":"neutral","sentiment_score":0.06787293619261338},{"text":"There's no guarantee that they will.","start":518.605,"end":520.625,"sentiment":"neutral","sentiment_score":-0.14591138313213983}],"sentiment":"neutral","sentiment_score":-0.05086391902707442,"num_words":99,"start":491.505,"end":520.625},{"sentences":[{"text":"Sometimes they do underperform against the market.","start":520.685,"end":523.08496,"sentiment":"neutral","sentiment_score":-0.1456752366253308},{"text":"It's that then along have had a lot more issues than just underperformance.","start":523.08496,"end":526.70496,"sentiment":"neutral","sentiment_score":-0.19054351116602236},{"text":"Essentially, the other option is we can look at something a bit more passively managed.","start":528.765,"end":532.625,"sentiment":"neutral","sentiment_score":0.06060988077272971},{"text":"So a passively managed fund is there to track the market.","start":532.98,"end":536.44,"sentiment":"neutral","sentiment_score":0.1329997405409813},{"text":"They're not trying to outperform against the market.","start":537.3,"end":539.54,"sentiment":"neutral","sentiment_score":0.0906839407980442}],"sentiment":"neutral","sentiment_score":-0.007392137363139126,"num_words":54,"start":520.685,"end":539.54},{"sentences":[{"text":"Often, when you consider passive versus active management within an investment, passively managed funds tend to outperform much greater because they're not trying to buy and sell against the market.","start":539.54,"end":549.565,"sentiment":"neutral","sentiment_score":0.17884838531414668},{"text":"They're not trying to pick the top and the bottom of the market.","start":549.565,"end":551.805,"sentiment":"neutral","sentiment_score":0.12959806277201727},{"text":"They're just staying invested.","start":551.805,"end":553.185,"sentiment":"neutral","sentiment_score":0.19603170081973076},{"text":"They're following an index.","start":553.485,"end":554.845,"sentiment":"neutral","sentiment_score":0.3043576180934906},{"text":"It's often a lot cheaper to do it that way as well.","start":554.845,"end":557.50494,"sentiment":"neutral","sentiment_score":0.3164080083370209}],"sentiment":"neutral","sentiment_score":0.20394729763742478,"num_words":63,"start":539.54,"end":557.50494},{"sentences":[{"text":"Did you want me to maybe look at something more passively for you, maybe try to lower the investment cost within your fund and replace that, or did you wanna keep something more actively managed within the portfolio?","start":558.045,"end":568.88,"sentiment":"neutral","sentiment_score":0.0856989956902046},{"text":"What would you like to see?","start":569.02,"end":570.4,"sentiment":"neutral","sentiment_score":0.008405438469101986},{"text":"Mhmm.","start":579.97504,"end":580.47504,"sentiment":"neutral","sentiment_score":0.014165936969220638},{"text":"Yep.","start":580.53503,"end":581.03503,"sentiment":"neutral","sentiment_score":0.06590971350669861},{"text":"Yeah.","start":588.51,"end":588.83,"sentiment":"neutral","sentiment_score":0.12548032402992249}],"sentiment":"neutral","sentiment_score":0.07473511577762187,"num_words":47,"start":558.045,"end":588.83},{"sentences":[{"text":"Look.","start":588.83,"end":589.07,"sentiment":"neutral","sentiment_score":0.2441641092300415},{"text":"It's absolutely fine.","start":589.07,"end":590.19,"sentiment":"positive","sentiment_score":0.44329845905303955},{"text":"We can put more of an actively managed investment in there for you if you like.","start":590.19,"end":594.05,"sentiment":"neutral","sentiment_score":0.3299814099445939},{"text":"That way, we can sort of see how that goes.","start":594.43,"end":596.19,"sentiment":"neutral","sentiment_score":0.15690916329622268},{"text":"We just track that over the next sort of twelve months.","start":596.19,"end":598.85,"sentiment":"neutral","sentiment_score":0.08689373325217854}],"sentiment":"neutral","sentiment_score":0.2287484083960696,"num_words":41,"start":588.83,"end":598.85},{"sentences":[{"text":"And then if we find it's still not working, it's not really doing what it needs to, then we can always go the passive the passive managed route.","start":599.22504,"end":606.025,"sentiment":"neutral","sentiment_score":-0.000512959568628243},{"text":"That's absolutely fine.","start":606.025,"end":607.24506,"sentiment":"positive","sentiment_score":0.6177355647087097},{"text":"One of the big things I do sort of look for in an investment is, you know, how it has tracked over the last twelve months, how it has been over the last five to ten years even to sort of see if there's any major issues in there.","start":607.945,"end":620.3,"sentiment":"neutral","sentiment_score":0.04970729966856995},{"text":"Passive management I mean, there's two sort of ways of looking at risk with your portfolio.","start":621.8,"end":626.06,"sentiment":"neutral","sentiment_score":-0.06510880519635975},{"text":"One of those is the the type of management within the funds that you're invested in.","start":626.63495,"end":631.77496,"sentiment":"neutral","sentiment_score":-0.01248303521424532}],"sentiment":"neutral","sentiment_score":0.02708064342316772,"num_words":112,"start":599.22504,"end":631.77496},{"sentences":[{"text":"Obviously, having an active manager is a little bit more risky.","start":631.995,"end":635.055,"sentiment":"neutral","sentiment_score":-0.19218711961399426},{"text":"You do have those down times.","start":635.115,"end":636.555,"sentiment":"neutral","sentiment_score":-0.2623900721470515},{"text":"You do tend to feel those down times.","start":636.555,"end":638.495,"sentiment":"neutral","sentiment_score":-0.2500482313334942},{"text":"Having a passive managed fund does sort of reduce the risk a little bit.","start":638.72003,"end":642.42004,"sentiment":"neutral","sentiment_score":0.04071458801627159},{"text":"But the other side of the risk factor is your growth and defensive assets.","start":642.48004,"end":647.62,"sentiment":"neutral","sentiment_score":0.04182843863964081}],"sentiment":"neutral","sentiment_score":-0.08553174011549859,"num_words":53,"start":631.995,"end":647.62},{"sentences":[{"text":"So as a total in the portfolio you're in, you're in more of a high growth environment.","start":647.68,"end":653.38,"sentiment":"neutral","sentiment_score":0.1787679927314029},{"text":"So you see 90% of your investment as growth assets.","start":653.625,"end":657.225,"sentiment":"neutral","sentiment_score":0.21815184354782105},{"text":"That's a combination of international equities, Australian equities, listed property, and also commodities like gold and silver, and then there's a small amount, 10% in low risk defensive assets.","start":657.225,"end":668.205,"sentiment":"neutral","sentiment_score":0.17834933204897518},{"text":"You can still keep the risk at that higher level by having a passively managed fund in there.","start":668.58,"end":675.88,"sentiment":"neutral","sentiment_score":0.2668819899360339},{"text":"One of the big things is is that lowering the cost is more about making sure you're diversified.","start":676.34,"end":682.36005,"sentiment":"neutral","sentiment_score":0.28386886169513065}],"sentiment":"neutral","sentiment_score":0.22071978555101415,"num_words":92,"start":647.68,"end":682.36005},{"sentences":[{"text":"So one of the passively managed funds I'm looking at helps to lower the overall risk of the portfolio because standalone normally holds, say, 15 to 25 different investment options.","start":683.075,"end":692.855,"sentiment":"neutral","sentiment_score":0.25326610257228216},{"text":"One of the other ones I've been looking at is actually giving you exposure to, you know, the top 200 companies on the ASX.","start":693.315,"end":700.07,"sentiment":"neutral","sentiment_score":0.17733662078777948},{"text":"So it's actually giving you more exposure to the Australian stock market.","start":700.07,"end":704.08997,"sentiment":"neutral","sentiment_score":0.192018311470747},{"text":"It's still giving you that high growth asset allocation.","start":704.39,"end":707.20996,"sentiment":"neutral","sentiment_score":0.2588600383864509},{"text":"It's just a lower cost investment has performed greater, and you're kind of reducing that overall risk of your portfolio by having a less actively managed fund in there.","start":707.58997,"end":719.905,"sentiment":"neutral","sentiment_score":0.3049790489262548}],"sentiment":"neutral","sentiment_score":0.24358090844291908,"num_words":104,"start":683.075,"end":719.905},{"sentences":[{"text":"But you still keep the risk level with the overall growth of defensive asset allocation.","start":719.965,"end":724.78503,"sentiment":"neutral","sentiment_score":0.015658047050237656},{"text":"Does that make sense?","start":725.005,"end":725.805,"sentiment":"neutral","sentiment_score":0.05918317846953869},{"text":"There's a little bit there's a lot to it.","start":725.805,"end":727.745,"sentiment":"neutral","sentiment_score":-0.06678009902437528},{"text":"Yes.","start":735.79,"end":736.29,"sentiment":"neutral","sentiment_score":0.202110692858696},{"text":"Yes.","start":740.67,"end":741.17,"sentiment":"neutral","sentiment_score":0.24717821180820465}],"sentiment":"neutral","sentiment_score":0.010662381102641423,"num_words":30,"start":719.965,"end":741.17},{"sentences":[{"text":"Did you want me to look at both the options and look at how they have performed the overall cost of it, any CGT consequences for making the move, and look at what's gonna put you in a better position moving forward overall?","start":741.835,"end":753.855,"sentiment":"neutral","sentiment_score":0.17176068045718726},{"text":"Yep.","start":755.87,"end":756.37,"sentiment":"neutral","sentiment_score":0.26861557364463806},{"text":"Beautiful.","start":756.51,"end":757.01,"sentiment":"positive","sentiment_score":0.5854198932647705},{"text":"Beautiful.","start":757.63,"end":758.13,"sentiment":"positive","sentiment_score":0.5882233381271362},{"text":"It's really funny because we also talk about the risk versus reward sort of sort of side to our portfolios, but there's risk isn't just, you know, one manager versus another.","start":758.35,"end":768.045,"sentiment":"neutral","sentiment_score":0.0760774360669236}],"sentiment":"neutral","sentiment_score":0.14527751406195102,"num_words":77,"start":741.835,"end":768.045},{"sentences":[{"text":"It's not just growth versus defense.","start":768.045,"end":769.645,"sentiment":"neutral","sentiment_score":-0.041231180036750935},{"text":"There's so many different risk levels that go into investing in the market and how we diversify, you know, as growth and defensive, also what investment managers we have.","start":769.645,"end":779.485,"sentiment":"neutral","sentiment_score":0.05767667521562042},{"text":"There's lots of different options there.","start":779.485,"end":781.085,"sentiment":"neutral","sentiment_score":0.03066658042371273},{"text":"So if you want, as you said, you just you pay us to make the recommendation.","start":781.085,"end":784.59,"sentiment":"neutral","sentiment_score":0.12331898184493184},{"text":"I'm happy to go back, look at both active and active and passively managed funds, look at how they have performing, look at the overall diversification, the cost of, obviously, making the switch and selling this investment and putting you in something else, and look at how everything has performed, and maybe project that over the next five to ten years for you to see what kind of position that puts you in.","start":785.29004,"end":808.535,"sentiment":"neutral","sentiment_score":0.25962661114865787}],"sentiment":"neutral","sentiment_score":0.17334678697650535,"num_words":130,"start":768.045,"end":808.535},{"sentences":[{"text":"Does that sound really good?","start":808.535,"end":810.235,"sentiment":"neutral","sentiment_score":0.2775662302970886},{"text":"Yes?","start":810.295,"end":810.795,"sentiment":"neutral","sentiment_score":0.13505010306835177},{"text":"Yep.","start":814.00995,"end":814.50995,"sentiment":"neutral","sentiment_score":0.07242046296596527},{"text":"Yeah.","start":816.88995,"end":817.20996,"sentiment":"neutral","sentiment_score":0.08213244378566742},{"text":"Well, we do that anyway.","start":817.20996,"end":818.50995,"sentiment":"neutral","sentiment_score":0.1299879640340805}],"sentiment":"neutral","sentiment_score":0.17902876780583307,"num_words":13,"start":808.535,"end":818.50995},{"sentences":[{"text":"So in the advice, we have to put down your current position versus the recommended and show you both of those so you can make your decision.","start":818.64996,"end":826.02997,"sentiment":"neutral","sentiment_score":0.10720600546510131},{"text":"Yep.","start":827.695,"end":828.195,"sentiment":"neutral","sentiment_score":0.2814774513244629},{"text":"Beautiful.","start":828.655,"end":829.155,"sentiment":"positive","sentiment_score":0.6236493587493896},{"text":"I will do that.","start":830.17505,"end":831.555,"sentiment":"positive","sentiment_score":0.5649412274360657},{"text":"Easy.","start":831.61505,"end":832.09503,"sentiment":"neutral","sentiment_score":0.09125907719135284}],"sentiment":"neutral","sentiment_score":0.1809033218990354,"num_words":34,"start":818.64996,"end":832.09503},{"sentences":[{"text":"So we'll provide a new updated statement of advice for you that shows you where you are currently, what that is projected for, the recommendations that we're making that we're recommending, and then you'll get to see both of those, and you get to decide and tell me whether you're happy to proceed with that or whether you have any alterations.","start":832.09503,"end":848.89,"sentiment":"neutral","sentiment_score":0.11286378563305394},{"text":"Does that sound okay?","start":849.27,"end":850.41,"sentiment":"neutral","sentiment_score":0.05327010992914438},{"text":"Yep.","start":850.87,"end":851.37,"sentiment":"neutral","sentiment_score":0.18356114625930783},{"text":"Beautiful.","start":852.545,"end":853.045,"sentiment":"positive","sentiment_score":0.5949510931968689},{"text":"Fantastic.","start":853.185,"end":853.685,"sentiment":"positive","sentiment_score":0.5379674434661865}],"sentiment":"neutral","sentiment_score":0.12373898597434163,"num_words":68,"start":832.09503,"end":853.685},{"sentences":[{"text":"Now looking at that same document, so while Send Along is down, and most other investments are doing quite well, your Van Es property is down a little bit for the year.","start":854.305,"end":864.06,"sentiment":"neutral","sentiment_score":-0.07217883644625545},{"text":"That is okay.","start":864.3,"end":865.2,"sentiment":"neutral","sentiment_score":0.04668658971786499},{"text":"There's nothing wrong with the investment as a whole.","start":865.42,"end":868.0,"sentiment":"neutral","sentiment_score":0.0195499782760938},{"text":"Obviously, property has had a bit of a fallback recently.","start":868.46,"end":871.04,"sentiment":"neutral","sentiment_score":-0.15709186010062695},{"text":"There's a lot of changes that are going through with regards to property.","start":871.1,"end":874.0,"sentiment":"neutral","sentiment_score":-0.12905870320705268}],"sentiment":"neutral","sentiment_score":-0.07824470052745805,"num_words":67,"start":854.305,"end":874.0},{"sentences":[{"text":"It is still worth keeping invested in that.","start":874.46,"end":876.86,"sentiment":"neutral","sentiment_score":0.008217919617891312},{"text":"I will obviously go back and, as part of the overall recommendations, just review the investment.","start":877.1,"end":883.15497,"sentiment":"neutral","sentiment_score":-0.001380035886541009},{"text":"If I feel like moving forward, it's not gonna be anything appropriate and that we maybe need to switch it out, I'm happy to make that recommendation as well.","start":883.21497,"end":890.495,"sentiment":"neutral","sentiment_score":-0.036538511000830554},{"text":"Are you happy for me to review that for you?","start":890.495,"end":892.83496,"sentiment":"neutral","sentiment_score":0.10372969843447208},{"text":"Yeah.","start":894.25995,"end":894.66,"sentiment":"neutral","sentiment_score":0.17525610327720642}],"sentiment":"neutral","sentiment_score":0.0030718601774424314,"num_words":64,"start":874.46,"end":894.66},{"sentences":[{"text":"Fantastic.","start":894.66,"end":895.16,"sentiment":"positive","sentiment_score":0.4202277660369873},{"text":"On the second page of that same document, it does give you an overall.","start":895.86,"end":899.63995,"sentiment":"neutral","sentiment_score":0.2708650327154568},{"text":"So you can see, obviously, that Benelon hasn't performed very well, but all your other investments have well have performed fairly well.","start":899.69995,"end":907.26495,"sentiment":"neutral","sentiment_score":0.2531221051785079},{"text":"You still received a lot of income and growth within the portfolio over the past twelve months, and, essentially, net of fees, including our ongoing service fee, your entire portfolio has actually received a positive 9.58% return.","start":907.565,"end":922.02,"sentiment":"positive","sentiment_score":0.3695507307310362},{"text":"So, overall, you have done quite well.","start":922.34,"end":924.84,"sentiment":"neutral","sentiment_score":0.08869297217045512}],"sentiment":"neutral","sentiment_score":0.2972253380274331,"num_words":81,"start":894.66,"end":924.84},{"sentences":[{"text":"I can pull the report up for you, two sec.","start":926.74,"end":929.56,"sentiment":"neutral","sentiment_score":-0.07175880335271359},{"text":"Where are we?","start":933.54004,"end":934.44,"sentiment":"neutral","sentiment_score":-0.08147576699654262},{"text":"Report.","start":939.375,"end":939.775,"sentiment":"neutral","sentiment_score":-0.03244873508810997},{"text":"There we go.","start":939.775,"end":940.575,"sentiment":"neutral","sentiment_score":-0.023685649658242863},{"text":"Let's have a look.","start":940.575,"end":941.47504,"sentiment":"neutral","sentiment_score":-0.008292159531265497}],"sentiment":"neutral","sentiment_score":-0.052318555081174486,"num_words":21,"start":926.74,"end":941.47504},{"sentences":[{"text":"Last year's portfolio report, you made net of fees 12.18%.","start":943.055,"end":948.4,"sentiment":"neutral","sentiment_score":-0.01650167554616928},{"text":"So, yes, it is down a little bit on the last twelve months on the previous twelve months.","start":948.4,"end":952.88,"sentiment":"neutral","sentiment_score":-0.09021964689923657},{"text":"Sorry.","start":952.88,"end":953.2,"sentiment":"neutral","sentiment_score":-0.04168621450662613},{"text":"But it's still doing very, very well.","start":953.2,"end":955.06,"sentiment":"neutral","sentiment_score":0.13499523486409867},{"text":"Absolutely.","start":958.16,"end":958.66,"sentiment":"neutral","sentiment_score":0.24991931021213531}],"sentiment":"neutral","sentiment_score":-0.01718299080793922,"num_words":37,"start":943.055,"end":958.66},{"sentences":[{"text":"And that's really important to note is that whilst you're always wanting great returns and compounding, We're never guaranteed to set return every single year.","start":958.88,"end":966.66504,"sentiment":"neutral","sentiment_score":0.026374867483973503},{"text":"And with the markets going up and down, with investors going up and down at different levels, some years you'll end up with a twelve, fifteen, or 20% return.","start":966.66504,"end":974.825,"sentiment":"neutral","sentiment_score":-0.09221554791619038},{"text":"Other years, the return could definitely be lower.","start":974.825,"end":977.805,"sentiment":"neutral","sentiment_score":-0.2075677951797843},{"text":"With a high growth portfolio, because you are taking more risk in the market, you are gonna see and feel those downturns, and it's about making sure you can go through those downturns, allow your portfolio to recover, and come out the other side.","start":977.93,"end":990.67,"sentiment":"neutral","sentiment_score":-0.0722410344010727},{"text":"With a high growth portfolio, we're looking to average an expected return of between eight to 10% on a yearly basis.","start":991.055,"end":998.65497,"sentiment":"neutral","sentiment_score":0.1613098986092068}],"sentiment":"neutral","sentiment_score":-0.027295426824900108,"num_words":127,"start":958.88,"end":998.65497},{"sentences":[{"text":"So while spend along is down for the year, your portfolio has still performed within the expectation.","start":998.65497,"end":1004.595,"sentiment":"neutral","sentiment_score":0.28543408828623157},{"text":"So it is still working the way it should do.","start":1005.09,"end":1007.51,"sentiment":"positive","sentiment_score":0.5443334430456161},{"text":"The performance as a whole is still within the expected range.","start":1007.65,"end":1011.11005,"sentiment":"positive","sentiment_score":0.5403675166043368},{"text":"And, obviously, having a look at the previous year's report of receiving a 12, I think, 51% return, that was obviously a really well performed year, and that was an over performance for your portfolio there as well.","start":1011.41003,"end":1024.245,"sentiment":"neutral","sentiment_score":0.20324868179465594},{"text":"So it is extremely normal to have the ups and downs for some years to get better performance than others, but it's about making sure that we're compounding forward continuously.","start":1024.245,"end":1033.3049,"sentiment":"neutral","sentiment_score":-0.09803413537641366}],"sentiment":"neutral","sentiment_score":0.19832247604598413,"num_words":106,"start":998.65497,"end":1033.3049},{"sentences":[{"text":"And over in this sort of environment, realistically, one in every five years, you can expect a negative return or a bit of a downturn as well.","start":1034.3099,"end":1043.2699,"sentiment":"neutral","sentiment_score":-0.23833639947352586},{"text":"So while things have been performing really well, the possibility of a downturn is is expected and will happen in the future.","start":1043.2699,"end":1051.695,"sentiment":"neutral","sentiment_score":-0.2237869595939463},{"text":"We'll let you know when that happens, why it's happening.","start":1052.235,"end":1054.975,"sentiment":"neutral","sentiment_score":-0.03258301876485348},{"text":"It's about making sure you can continue to put your super contributions in, keep dollar cost averaging in, and allow your portfolio to go through those downtimes as well.","start":1055.115,"end":1064.19,"sentiment":"neutral","sentiment_score":0.04956797125010655},{"text":"Does that make sense?","start":1064.19,"end":1065.25,"sentiment":"neutral","sentiment_score":0.031203070655465126}],"sentiment":"neutral","sentiment_score":-0.1100211156046261,"num_words":92,"start":1034.3099,"end":1065.25},{"sentences":[{"text":"Yes.","start":1066.11,"end":1066.61,"sentiment":"neutral","sentiment_score":0.25659018754959106},{"text":"Beautiful.","start":1066.75,"end":1067.25,"sentiment":"positive","sentiment_score":0.516757607460022},{"text":"But then, look, it has done really well.","start":1067.95,"end":1069.47,"sentiment":"positive","sentiment_score":0.563488744199276},{"text":"Happy with that.","start":1069.47,"end":1070.2699,"sentiment":"positive","sentiment_score":0.697019894917806},{"text":"I'll go back and review the portfolio.","start":1070.2699,"end":1072.0499,"sentiment":"neutral","sentiment_score":0.27577643735068186}],"sentiment":"positive","sentiment_score":0.4651376247406006,"num_words":20,"start":1066.11,"end":1072.0499},{"sentences":[{"text":"We'll do a bit of an investment switch there for you and update things for you as well.","start":1072.2699,"end":1076.475,"sentiment":"neutral","sentiment_score":0.23839016175932354},{"text":"Okay?","start":1076.475,"end":1076.975,"sentiment":"neutral","sentiment_score":0.023234764114022255},{"text":"Beautiful.","start":1079.435,"end":1079.935,"sentiment":"positive","sentiment_score":0.5065245628356934},{"text":"Now I've also got your insurances here.","start":1080.475,"end":1082.395,"sentiment":"neutral","sentiment_score":0.10149518134338516},{"text":"So you do have your MetLife insurance policy.","start":1082.395,"end":1084.635,"sentiment":"neutral","sentiment_score":0.05504268268123269}],"sentiment":"neutral","sentiment_score":0.17061685627060277,"num_words":35,"start":1072.2699,"end":1084.635},{"sentences":[{"text":"You've got some life and TBD only.","start":1084.635,"end":1086.895,"sentiment":"neutral","sentiment_score":0.035930718162230084},{"text":"In the event of passing away, your current life sum insured is about 551,250.","start":1087.515,"end":1094.1901,"sentiment":"neutral","sentiment_score":0.01039348728954792},{"text":"When you think about your life insurance and your goal for that, if you were to pass away prematurely, I apologize.","start":1094.65,"end":1101.23,"sentiment":"neutral","sentiment_score":0.00009260175838356926},{"text":"Justin, these conversations get a little bit dark.","start":1101.45,"end":1104.1901,"sentiment":"neutral","sentiment_score":-0.06306763057364151},{"text":"If in the event something was to happen, what exactly is it that you're wanting your life cover to pay out?","start":1105.495,"end":1110.9349,"sentiment":"neutral","sentiment_score":-0.031606449523851984}],"sentiment":"neutral","sentiment_score":-0.010835323922178695,"num_words":71,"start":1084.635,"end":1110.9349},{"sentences":[{"text":"What are you wanting to happen with that?","start":1110.9349,"end":1112.875,"sentiment":"neutral","sentiment_score":-0.023224896052852273},{"text":"Yep.","start":1115.975,"end":1116.455,"sentiment":"neutral","sentiment_score":0.03237834572792053},{"text":"Perfect.","start":1116.455,"end":1116.955,"sentiment":"neutral","sentiment_score":0.20516714453697205},{"text":"Yeah.","start":1119.8,"end":1120.3,"sentiment":"neutral","sentiment_score":0.05122114345431328},{"text":"Absolutely.","start":1120.4401,"end":1120.9401,"sentiment":"neutral","sentiment_score":0.07549905776977539}],"sentiment":"neutral","sentiment_score":0.014872210255513588,"num_words":12,"start":1110.9349,"end":1120.9401},{"sentences":[{"text":"So I had down here you owed about 380,000.","start":1121.3201,"end":1124.4401,"sentiment":"neutral","sentiment_score":0.029173133687840566},{"text":"Is that still fairly accurate?","start":1124.4401,"end":1125.9801,"sentiment":"neutral","sentiment_score":0.028327777236700057},{"text":"Oh, fantastic.","start":1129.16,"end":1130.2201,"sentiment":"neutral","sentiment_score":0.22782379388809204},{"text":"Yeah.","start":1133.895,"end":1134.135,"sentiment":"neutral","sentiment_score":0.03459277004003525},{"text":"That's okay.","start":1134.135,"end":1134.6951,"sentiment":"neutral","sentiment_score":0.060311419889330864}],"sentiment":"neutral","sentiment_score":0.053424225629944554,"num_words":19,"start":1121.3201,"end":1134.6951},{"sentences":[{"text":"How much do you have in the offset roughly?","start":1134.6951,"end":1136.555,"sentiment":"neutral","sentiment_score":0.020582880307402875},{"text":"You're right.","start":1140.055,"end":1140.875,"sentiment":"neutral","sentiment_score":0.01780671812593937},{"text":"Mhmm.","start":1153.8301,"end":1154.3301,"sentiment":"neutral","sentiment_score":0.007608504500240088},{"text":"Beautiful.","start":1157.765,"end":1158.265,"sentiment":"positive","sentiment_score":0.4052720367908478},{"text":"Excellent.","start":1160.0851,"end":1160.5851,"sentiment":"positive","sentiment_score":0.5052798390388489}],"sentiment":"neutral","sentiment_score":0.08135855281060296,"num_words":14,"start":1134.6951,"end":1160.5851},{"sentences":[{"text":"Fantastic.","start":1160.885,"end":1161.365,"sentiment":"positive","sentiment_score":0.5304924249649048},{"text":"It's good to see that loan dropping and decreasing quite well.","start":1161.365,"end":1164.905,"sentiment":"neutral","sentiment_score":0.2557289654558355},{"text":"Absolutely.","start":1168.79,"end":1169.29,"sentiment":"neutral","sentiment_score":0.06223749741911888},{"text":"Are you yeah.","start":1169.43,"end":1171.67,"sentiment":"neutral","sentiment_score":0.01613643455008666},{"text":"No.","start":1171.67,"end":1171.99,"sentiment":"neutral","sentiment_score":-0.009473955258727074}],"sentiment":"neutral","sentiment_score":0.20262846416410277,"num_words":17,"start":1160.885,"end":1171.99},{"sentences":[{"text":"Absolutely.","start":1171.99,"end":1172.49,"sentiment":"neutral","sentiment_score":0.013029705733060837},{"text":"Well, having a look at that, I mean, realistically, with your life cover you have at the moment, the $5.51, 250, if you were to pass away, that is paid out to your beneficiaries there.","start":1173.43,"end":1182.885,"sentiment":"neutral","sentiment_score":0.04033004439302853},{"text":"And then your super balance on top of that with the extra 298 is fully paid out as well.","start":1182.965,"end":1188.085,"sentiment":"neutral","sentiment_score":0.10018146430191241},{"text":"So it's essentially together giving you a little over $800,000 in cover to look after your family.","start":1188.085,"end":1194.405,"sentiment":"neutral","sentiment_score":0.13077888725435033},{"text":"Do you feel like that's fairly appropriate?","start":1194.405,"end":1196.185,"sentiment":"neutral","sentiment_score":0.10148033606154579}],"sentiment":"neutral","sentiment_score":0.07926117110101483,"num_words":79,"start":1171.99,"end":1196.185},{"sentences":[{"text":"You're happy with that?","start":1196.325,"end":1197.465,"sentiment":"neutral","sentiment_score":0.17411647737026215},{"text":"Yep.","start":1199.52,"end":1200.0,"sentiment":"neutral","sentiment_score":0.11709868907928468},{"text":"That's absolutely fine.","start":1200.0,"end":1201.5399,"sentiment":"neutral","sentiment_score":0.23451319336891174},{"text":"With TBD, now has anyone explained how TBD works, what TBD is?","start":1202.0,"end":1206.82,"sentiment":"neutral","sentiment_score":0.046730566614617906},{"text":"Do you understand what disability insurance is for?","start":1207.12,"end":1210.1,"sentiment":"neutral","sentiment_score":0.004896138794720173}],"sentiment":"neutral","sentiment_score":0.07560857458572302,"num_words":28,"start":1196.325,"end":1210.1},{"sentences":[{"text":"Yeah.","start":1210.64,"end":1211.14,"sentiment":"neutral","sentiment_score":0.018922921270132065},{"text":"So your current sum insured, that one is 551,002 100 and 50.","start":1217.525,"end":1222.425,"sentiment":"neutral","sentiment_score":-0.017837232211604714},{"text":"Yeah.","start":1223.525,"end":1224.025,"sentiment":"neutral","sentiment_score":0.08353877067565918},{"text":"Absolutely.","start":1224.71,"end":1225.21,"sentiment":"neutral","sentiment_score":0.2296142429113388},{"text":"In the event of a TBD claim, your super balance can be released as well, so we claim time to incapacity against super.","start":1225.83,"end":1232.89,"sentiment":"neutral","sentiment_score":0.049637105599369694}],"sentiment":"neutral","sentiment_score":0.03314954150272043,"num_words":38,"start":1210.64,"end":1232.89},{"sentences":[{"text":"So the total benefit gives you about 849,000 paid out.","start":1233.43,"end":1238.5701,"sentiment":"neutral","sentiment_score":0.0617872703820467},{"text":"The thing with PPD, I don't know if anyone's ever explained to you, but PPD, the 48 fee claim under the age of 60 is actually taxed.","start":1238.9651,"end":1246.425,"sentiment":"neutral","sentiment_score":-0.08628316458176684},{"text":"It can be taxed up to 22%.","start":1247.3651,"end":1249.9451,"sentiment":"neutral","sentiment_score":-0.080565908657653},{"text":"So just like giving you an idea on what that might look like, it essentially means that from the balance you have currently, your super and the TBD benefit, the tax would mean at 22%, about a 186,000 would be deducted from that.","start":1250.7251,"end":1266.6201,"sentiment":"neutral","sentiment_score":-0.04214875785590604},{"text":"So you get that $8.49 minus about a $186,000 there.","start":1266.6201,"end":1271.9651,"sentiment":"neutral","sentiment_score":-0.025293452944606543}],"sentiment":"neutral","sentiment_score":-0.04475324966743128,"num_words":97,"start":1233.43,"end":1271.9651},{"sentences":[{"text":"It's honestly really horrible.","start":1275.145,"end":1276.925,"sentiment":"negative","sentiment_score":-0.8985361605882645},{"text":"I don't like it.","start":1277.0651,"end":1277.9451,"sentiment":"negative","sentiment_score":-0.8457716703414917},{"text":"I disagree with it in any I think it's disgusting.","start":1277.9451,"end":1280.9199,"sentiment":"negative","sentiment_score":-0.7150055944919587},{"text":"I think if you can't get back to work again due to permanent incapacity, the last thing the government should do is tax that.","start":1281.5399,"end":1287.5599,"sentiment":"negative","sentiment_score":-0.74016273021698},{"text":"It's horrible.","start":1288.1,"end":1288.84,"sentiment":"negative","sentiment_score":-0.6948485374450684}],"sentiment":"negative","sentiment_score":-0.7563838606530969,"num_words":44,"start":1275.145,"end":1288.84},{"sentences":[{"text":"Essentially, with the TPD, obviously, the tax is up to 22%.","start":1290.1,"end":1294.26,"sentiment":"negative","sentiment_score":-0.43857653032649646},{"text":"They have this really unusual math equation that they do to work out what the actual tax liability is.","start":1294.26,"end":1299.915,"sentiment":"negative","sentiment_score":-0.43426768873867233},{"text":"I just kinda gave you the estimated based on your current sum insured and super balance at the highest tax rate.","start":1300.295,"end":1306.795,"sentiment":"neutral","sentiment_score":-0.19967346851314818},{"text":"If in the event you are actually TBD'd, we will help you with the claim, but then I will give you financial advice on how to limit the tax as much as possible as well, how to hopefully keep the money invested so you can draw a regular income and keep the money working for you as well.","start":1307.3351,"end":1322.91,"sentiment":"neutral","sentiment_score":0.11764682620635321},{"text":"So there are things that we can do to help limit that amount of tax, but I kind of like people to understand that CPD, unfortunately, is a tax payment.","start":1322.91,"end":1331.295,"sentiment":"neutral","sentiment_score":-0.22782794286807379}],"sentiment":"neutral","sentiment_score":-0.1243157778739286,"num_words":139,"start":1290.1,"end":1331.295},{"sentences":[{"text":"And if you take the full amount lump sum, a lot of people don't realize how much tax actually gets deducted from that, and it can reduce your CPD, some insured, pretty significantly.","start":1331.295,"end":1342.42,"sentiment":"neutral","sentiment_score":0.20547794053951898},{"text":"And, I mean, a $186,000 could be one or two or three years of your income or of your life that you can't get back.","start":1342.7201,"end":1351.2001,"sentiment":"neutral","sentiment_score":0.11253991633653641},{"text":"So if you think about it, if you're fully disabled and not able to go back to work again at your current age, you have to live from now to retirement or even longer and make that money last as long as possible.","start":1351.2001,"end":1363.7151,"sentiment":"neutral","sentiment_score":-0.006976098515266596},{"text":"So trying to limit the tax is absolutely a good thing, but I just like to make sure I'm giving you a bit of information explaining how that works.","start":1363.8551,"end":1371.59,"sentiment":"positive","sentiment_score":0.4218901313584426},{"text":"Just so if in the event of a TBD claim, you understand that this is a possibility.","start":1371.65,"end":1375.91,"sentiment":"neutral","sentiment_score":0.10210582811166258}],"sentiment":"neutral","sentiment_score":0.15826469794118486,"num_words":147,"start":1331.295,"end":1375.91},{"sentences":[{"text":"Okay?","start":1376.29,"end":1376.79,"sentiment":"neutral","sentiment_score":0.03657880425453186},{"text":"At the moment, yeah.","start":1381.17,"end":1382.9451,"sentiment":"neutral","sentiment_score":0.021237540524452925},{"text":"Yeah.","start":1382.9451,"end":1383.345,"sentiment":"neutral","sentiment_score":0.05357660353183746},{"text":"In saying that the the closer you get to retirement, obviously, the lower the tax rate tends to be.","start":1383.345,"end":1390.085,"sentiment":"neutral","sentiment_score":0.06552905334453833},{"text":"The kind of the equation is sort of age 65 minus your age now and then a whole bunch of random things the ATO comes up with.","start":1391.425,"end":1399.11,"sentiment":"neutral","sentiment_score":0.03511458173118256}],"sentiment":"neutral","sentiment_score":0.04554329404177574,"num_words":52,"start":1376.29,"end":1399.11},{"sentences":[{"text":"It's a bit like the mix rate.","start":1399.11,"end":1401.61,"sentiment":"neutral","sentiment_score":0.0017573913293225424},{"text":"Yeah.","start":1412.245,"end":1412.745,"sentiment":"neutral","sentiment_score":0.0037561338394880295},{"text":"Yeah.","start":1412.965,"end":1413.365,"sentiment":"neutral","sentiment_score":0.015811339020729065},{"text":"Absolutely.","start":1413.365,"end":1413.865,"sentiment":"neutral","sentiment_score":0.2822380065917969},{"text":"Most people are just sorta happy to cover the mortgage, make sure their family are completely debt free, and then have a couple of years worth of, you know, net income.","start":1413.9249,"end":1422.825,"sentiment":"neutral","sentiment_score":0.30146155097792227}],"sentiment":"neutral","sentiment_score":0.23559549509933808,"num_words":41,"start":1399.11,"end":1422.825},{"sentences":[{"text":"One of the things to sort of think about is if you look at replacement of income in the event of, say, a TBD claim or even death and your insurance is paid out to you, once you've covered that mortgage and the mortgage is fully paid off, the amount that you're currently paying on the mortgage is no longer happening.","start":1423.78,"end":1441.325,"sentiment":"neutral","sentiment_score":0.08893482142784556},{"text":"So, realistically, if you're earning about a $100,000 a year, you could actually generally live on, say, $50,000 a year and make that TBD payment last longer because your living expenses decrease without the mortgage repayment.","start":1441.7849,"end":1456.95,"sentiment":"neutral","sentiment_score":0.25378167256712914},{"text":"Does that make sense?","start":1456.95,"end":1457.85,"sentiment":"neutral","sentiment_score":0.1934867948293686},{"text":"Yeah.","start":1459.4299,"end":1459.9299,"sentiment":"neutral","sentiment_score":0.07785803824663162},{"text":"So this could last you a bit longer.","start":1460.1499,"end":1462.33,"sentiment":"neutral","sentiment_score":-0.010109485127031803}],"sentiment":"neutral","sentiment_score":0.13938266960057347,"num_words":110,"start":1423.78,"end":1462.33},{"sentences":[{"text":"In saying that we cover ourselves for a claim that may never happen.","start":1462.5499,"end":1467.4049,"sentiment":"neutral","sentiment_score":-0.09944218912949929},{"text":"One of the biggest things we have is we pay for insurances hoping we never have to claim on them.","start":1467.705,"end":1472.845,"sentiment":"neutral","sentiment_score":-0.12480250410735608},{"text":"The biggest risk we have is that we pay out all these premiums for the next twenty or thirty years.","start":1473.065,"end":1478.0249,"sentiment":"neutral","sentiment_score":-0.3264030605554581},{"text":"We get to retirement.","start":1478.0249,"end":1479.085,"sentiment":"neutral","sentiment_score":-0.25196895375847816},{"text":"We cancel the insurances or they expire, and we no longer need them anymore.","start":1479.1449,"end":1483.69,"sentiment":"neutral","sentiment_score":-0.29628978563206537}],"sentiment":"neutral","sentiment_score":-0.21792665585665635,"num_words":71,"start":1462.5499,"end":1483.69},{"sentences":[{"text":"And we never actually claim or benefit from them in any way, shape, or form.","start":1483.69,"end":1487.47,"sentiment":"neutral","sentiment_score":-0.19230398833751677},{"text":"Kind of sounds nice when you put it that way, doesn't it?","start":1490.33,"end":1493.23,"sentiment":"neutral","sentiment_score":0.29282862320542336},{"text":"Yeah.","start":1499.755,"end":1500.1549,"sentiment":"neutral","sentiment_score":0.0929371640086174},{"text":"You're fine.","start":1500.1549,"end":1500.955,"sentiment":"neutral","sentiment_score":0.14767329022288322},{"text":"Absolutely fine.","start":1500.955,"end":1502.1749,"sentiment":"neutral","sentiment_score":0.29616862535476685}],"sentiment":"neutral","sentiment_score":0.05031264526769519,"num_words":32,"start":1483.69,"end":1502.1749},{"sentences":[{"text":"Excellent.","start":1502.875,"end":1503.375,"sentiment":"positive","sentiment_score":0.558000385761261},{"text":"Is I mean, at the moment, do you feel like the level of cover you have is appropriate?","start":1503.4349,"end":1507.6749,"sentiment":"neutral","sentiment_score":0.13757002581324843},{"text":"Did you wanna maybe look at reviewing the level of cover you have?","start":1507.6749,"end":1510.79,"sentiment":"neutral","sentiment_score":0.05272730812430382},{"text":"Are you happy with that?","start":1510.79,"end":1511.99,"sentiment":"neutral","sentiment_score":0.10270864218473434},{"text":"Just knowing everything that yeah.","start":1511.99,"end":1515.29,"sentiment":"neutral","sentiment_score":0.04500903114676476}],"sentiment":"neutral","sentiment_score":0.10615010053983756,"num_words":42,"start":1502.875,"end":1515.29},{"sentences":[{"text":"Yeah.","start":1515.91,"end":1516.41,"sentiment":"neutral","sentiment_score":0.07421237230300903},{"text":"Yeah.","start":1520.23,"end":1520.73,"sentiment":"neutral","sentiment_score":0.1396496444940567},{"text":"Yeah.","start":1521.095,"end":1521.415,"sentiment":"neutral","sentiment_score":0.1878250539302826},{"text":"Definitely.","start":1521.415,"end":1521.915,"sentiment":"neutral","sentiment_score":0.26048344373703003},{"text":"And, I mean, the good thing is you are reducing your mortgage pretty heavily.","start":1521.975,"end":1525.435,"sentiment":"neutral","sentiment_score":0.2542388630764825}],"sentiment":"neutral","sentiment_score":0.23452858875195184,"num_words":18,"start":1515.91,"end":1525.435},{"sentences":[{"text":"So, you know, once you do become fully debt free, obviously, that 500,000 will last would, sorry, would last a lot longer.","start":1525.8151,"end":1534.9,"sentiment":"neutral","sentiment_score":0.20213647931814194},{"text":"The other side of that is these insurances are renewed every year, and they are indexed.","start":1535.68,"end":1541.22,"sentiment":"neutral","sentiment_score":0.040734784211963415},{"text":"So you'll notice if you have think about your last year.","start":1541.76,"end":1545.38,"sentiment":"neutral","sentiment_score":0.03255640749226917},{"text":"Last year, when you did your annual review, your life and TPD, you were covered for 525,000.","start":1546.695,"end":1553.2749,"sentiment":"neutral","sentiment_score":0.028392229667481256},{"text":"This year, it's gone up to 551,250.","start":1553.815,"end":1557.995,"sentiment":"neutral","sentiment_score":0.03882432835442679}],"sentiment":"neutral","sentiment_score":0.08508654489909133,"num_words":73,"start":1525.8151,"end":1557.995},{"sentences":[{"text":"So your insurance policy is essentially indexed every year.","start":1558.375,"end":1561.95,"sentiment":"neutral","sentiment_score":0.033499740064144135},{"text":"It does increase over time along with inflationary rate.","start":1561.95,"end":1566.13,"sentiment":"neutral","sentiment_score":0.03137390025787883},{"text":"So the idea is that because inflation eats away our buying capacity, a $100 this year isn't less than a $100 next year.","start":1566.27,"end":1574.03,"sentiment":"neutral","sentiment_score":-0.025060426686768947},{"text":"If inflation is 2.5%, then a $100 is reduced in buying capacity by 2.5%.","start":1574.03,"end":1580.495,"sentiment":"neutral","sentiment_score":0.013386606238782406},{"text":"So they do increase to some insured of your insurance policy every year as it goes through renewal, so it will continuously increase in smaller increments.","start":1580.9551,"end":1590.095,"sentiment":"neutral","sentiment_score":0.07461878929573756}],"sentiment":"neutral","sentiment_score":0.026357703186847544,"num_words":81,"start":1558.375,"end":1590.095},{"sentences":[{"text":"However, the cost is also going to increase.","start":1590.72,"end":1593.2,"sentiment":"negative","sentiment_score":-0.5330500677227974},{"text":"As you get older, as the risk of you making a claim increases, your insurance policy is also going to get more expensive.","start":1593.2,"end":1600.4199,"sentiment":"negative","sentiment_score":-0.6431303050207056},{"text":"Last year, for your insurance policy, which is kind of interesting I'm gonna pull a certificate of currency up because your insurance policy looks like it decreased in in cost, which if it did is absolutely fine, but it doesn't normally happen that way.","start":1601.04,"end":1621.0701,"sentiment":"neutral","sentiment_score":-0.12812877353280783},{"text":"Sorry.","start":1622.97,"end":1623.47,"sentiment":"neutral","sentiment_score":-0.05485021322965622},{"text":"Let's have a look.","start":1625.05,"end":1626.27,"sentiment":"neutral","sentiment_score":-0.01172097329981625}],"sentiment":"neutral","sentiment_score":-0.3099474712391384,"num_words":80,"start":1590.72,"end":1626.27},{"sentences":[{"text":"Yeah.","start":1628.65,"end":1629.15,"sentiment":"neutral","sentiment_score":0.01463946048170328},{"text":"Yep.","start":1631.645,"end":1632.145,"sentiment":"neutral","sentiment_score":0.012185226194560528},{"text":"Yes.","start":1641.645,"end":1642.145,"sentiment":"neutral","sentiment_score":-0.006543396972119808},{"text":"Yep.","start":1642.445,"end":1642.945,"sentiment":"neutral","sentiment_score":0.016422603279352188},{"text":"Yep.","start":1643.085,"end":1643.485,"sentiment":"neutral","sentiment_score":0.02537607215344906}],"sentiment":"neutral","sentiment_score":0.01241599302738905,"num_words":5,"start":1628.65,"end":1643.485},{"sentences":[{"text":"Yeah.","start":1643.485,"end":1643.885,"sentiment":"neutral","sentiment_score":0.021254763007164},{"text":"Definitely.","start":1643.885,"end":1644.385,"sentiment":"neutral","sentiment_score":-0.03137825056910515},{"text":"I'm not sure.","start":1646.9401,"end":1647.5801,"sentiment":"neutral","sentiment_score":-0.1719338744878769},{"text":"I'll have to go back into the research.","start":1647.5801,"end":1649.28,"sentiment":"neutral","sentiment_score":-0.1378072425723076},{"text":"So because the investments go up and down continuously all day every day, we will do I'll do the research and recommend what I'm gonna swap then along with, how it works, and I'll put the switching cost in there for you.","start":1649.34,"end":1663.745,"sentiment":"neutral","sentiment_score":0.027399185778839246}],"sentiment":"neutral","sentiment_score":-0.008683949979868802,"num_words":55,"start":1643.485,"end":1663.745},{"sentences":[{"text":"I'll show you what the the tax consequences would look like in the advice for you.","start":1663.745,"end":1668.405,"sentiment":"neutral","sentiment_score":0.02081641973927617},{"text":"Just because I could work out the amount now, but then when I give you the advice document, because it could be, you know, a week or two's time, the amount could be very different.","start":1668.705,"end":1677.58,"sentiment":"neutral","sentiment_score":-0.031811604648828505},{"text":"So I'll open the advice I'll I'll do the research on the investments.","start":1677.58,"end":1681.26,"sentiment":"neutral","sentiment_score":0.06489810834710415},{"text":"What we're gonna switch out was look at this, obviously, the cost price, and I'll show you what the tax consequences look like for your super funds and what the difference would be in what you're invested in now versus what you would be invested in that new in that new investment.","start":1681.26,"end":1696.0851,"sentiment":"neutral","sentiment_score":0.04235782182905286},{"text":"Does that sound okay?","start":1696.145,"end":1697.285,"sentiment":"neutral","sentiment_score":0.08479048497974873}],"sentiment":"neutral","sentiment_score":0.02170917197217932,"num_words":120,"start":1663.745,"end":1697.285},{"sentences":[{"text":"Yes.","start":1699.3201,"end":1699.8201,"sentiment":"neutral","sentiment_score":-0.039146825671195984},{"text":"Yeah.","start":1701.4,"end":1701.64,"sentiment":"neutral","sentiment_score":-0.02734353020787239},{"text":"Well, we can't change anything until you agree to the advice.","start":1701.64,"end":1704.76,"sentiment":"neutral","sentiment_score":-0.10375342789021405},{"text":"So you'll get to see the advice and then decide whether you want the switch to happen, And then you would just need to sign off those switch before we actually make that change.","start":1704.76,"end":1714.4751,"sentiment":"neutral","sentiment_score":-0.027511526857886243},{"text":"Yeah.","start":1716.535,"end":1717.035,"sentiment":"neutral","sentiment_score":0.0610276535153389}],"sentiment":"neutral","sentiment_score":-0.043377965048421174,"num_words":48,"start":1699.3201,"end":1717.035},{"sentences":[{"text":"Does does that make sense?","start":1720.775,"end":1722.375,"sentiment":"neutral","sentiment_score":-0.07524167001247406},{"text":"You're right.","start":1722.375,"end":1723.1951,"sentiment":"neutral","sentiment_score":0.2024497464299202},{"text":"You're right.","start":1723.6399,"end":1724.2999,"sentiment":"neutral","sentiment_score":0.14895477890968323},{"text":"You're welcome to ask more questions and let me know.","start":1726.6799,"end":1728.9199,"sentiment":"neutral","sentiment_score":0.08483608737587929},{"text":"It's absolutely fine.","start":1728.9199,"end":1730.1399,"sentiment":"neutral","sentiment_score":0.00287481676787138}],"sentiment":"neutral","sentiment_score":0.053799364758147436,"num_words":22,"start":1720.775,"end":1730.1399},{"sentences":[{"text":"It has.","start":1732.0399,"end":1732.7799,"sentiment":"neutral","sentiment_score":-0.032336615957319736},{"text":"Yeah.","start":1733.48,"end":1733.98,"sentiment":"neutral","sentiment_score":-0.008458123542368412},{"text":"Absolutely.","start":1734.0399,"end":1734.5399,"sentiment":"neutral","sentiment_score":-0.02312378026545048},{"text":"And look, it's not coming.","start":1734.84,"end":1736.38,"sentiment":"neutral","sentiment_score":-0.1209456518292427},{"text":"Yeah.","start":1737.105,"end":1737.425,"sentiment":"neutral","sentiment_score":-0.04977262020111084}],"sentiment":"neutral","sentiment_score":-0.07507560150697827,"num_words":10,"start":1732.0399,"end":1737.425},{"sentences":[{"text":"It it could, but the biggest thing we're finding is that it's it's because of the underlying investment.","start":1737.425,"end":1744.165,"sentiment":"neutral","sentiment_score":-0.19606520773635971},{"text":"And, essentially, what's gonna happen is one of the underlying investments has had a legal problem.","start":1744.465,"end":1749.045,"sentiment":"neutral","sentiment_score":-0.2519195321947336},{"text":"Because of the legal problem, it means that Venlo Long can't remove that investment.","start":1749.2899,"end":1753.07,"sentiment":"negative","sentiment_score":-0.3556618392467499},{"text":"So, yes, it could come back.","start":1753.2899,"end":1755.37,"sentiment":"negative","sentiment_score":-0.37287335097789764},{"text":"It might take, you know, twelve months.","start":1755.37,"end":1757.21,"sentiment":"neutral","sentiment_score":-0.2905580571719578}],"sentiment":"neutral","sentiment_score":-0.2755786640966525,"num_words":61,"start":1737.425,"end":1757.21},{"sentences":[{"text":"It could take four years.","start":1757.21,"end":1758.6699,"sentiment":"neutral","sentiment_score":-0.25127234756946565},{"text":"It could take even longer than that.","start":1758.89,"end":1760.9099,"sentiment":"neutral","sentiment_score":-0.269631279366357},{"text":"We kind of had to work out with our investment committee whether we wait for it to come back or whether we just decide to remove it now.","start":1761.37,"end":1769.905,"sentiment":"neutral","sentiment_score":-0.20742672681808472},{"text":"The main decision for removing it now is that Fenelon has been very volatile since COVID.","start":1770.2051,"end":1776.225,"sentiment":"neutral","sentiment_score":-0.3097822731360793},{"text":"It took a long time to recover from COVID.","start":1776.525,"end":1779.105,"sentiment":"neutral","sentiment_score":-0.26634161671002704}],"sentiment":"neutral","sentiment_score":-0.2508510763828571,"num_words":65,"start":1757.21,"end":1779.105},{"sentences":[{"text":"They haven't changed any of their investments within that portfolio since 2020.","start":1779.35,"end":1784.89,"sentiment":"neutral","sentiment_score":-0.2428046241402626},{"text":"And generally speaking, to not do that in six years means you have to have very high conviction of those investments.","start":1785.27,"end":1792.5701,"sentiment":"neutral","sentiment_score":-0.3033768165679205},{"text":"But then they've now had this issue where one of their underlying investments was dishonest to the market.","start":1793.355,"end":1798.895,"sentiment":"negative","sentiment_score":-0.3796901735994551},{"text":"That came out.","start":1799.195,"end":1799.995,"sentiment":"negative","sentiment_score":-0.35591304302215576},{"text":"They've now got a legal issue with one of their underlying investments, and they can't get out of that.","start":1799.995,"end":1804.895,"sentiment":"negative","sentiment_score":-0.3759139580161948}],"sentiment":"neutral","sentiment_score":-0.33327528895580605,"num_words":73,"start":1779.35,"end":1804.895},{"sentences":[{"text":"Depending on how that legal issue kinda goes or what happens within the fund means that they could dip even more or they could come back.","start":1804.955,"end":1813.74,"sentiment":"negative","sentiment_score":-0.3657144640500729},{"text":"We essentially, when we looked at the risk of that, decided whilst the portfolio whilst the investment is down, it's not down as badly as what it could be.","start":1814.0399,"end":1823.365,"sentiment":"negative","sentiment_score":-0.37245427534498016},{"text":"Sometimes it's best to just cut your loss, remove the investment, and find something else and get that growth moving again rather than just to cross your fingers and hope and wait that it comes back.","start":1823.8251,"end":1835.01,"sentiment":"neutral","sentiment_score":-0.247601178371244},{"text":"Does that make sense?","start":1835.01,"end":1835.99,"sentiment":"neutral","sentiment_score":-0.004623038694262505},{"text":"Yeah.","start":1841.25,"end":1841.65,"sentiment":"neutral","sentiment_score":-0.028854869306087497}],"sentiment":"neutral","sentiment_score":-0.30490353641410667,"num_words":96,"start":1804.955,"end":1841.65},{"sentences":[{"text":"One of the underlying investments I can't remember the exact name of it, but they essentially came out to the mark.","start":1841.65,"end":1846.45,"sentiment":"neutral","sentiment_score":-0.0468575099394435},{"text":"Oh, it's Corporate Traveler.","start":1846.45,"end":1847.65,"sentiment":"neutral","sentiment_score":-0.035203006118535995},{"text":"There it is.","start":1847.65,"end":1848.195,"sentiment":"neutral","sentiment_score":-0.014729048435886702},{"text":"Corporate Traveler is one of the underlying investments.","start":1848.4349,"end":1850.695,"sentiment":"neutral","sentiment_score":-0.05638535413891077},{"text":"They essentially came out to the market and didn't disclose exactly the cost that they were making.","start":1850.875,"end":1856.9149,"sentiment":"neutral","sentiment_score":-0.13959511588601506}],"sentiment":"neutral","sentiment_score":-0.0753435222959181,"num_words":53,"start":1841.65,"end":1856.9149},{"sentences":[{"text":"They were overcharging people and causing a lot of legal issues.","start":1856.9149,"end":1860.9349,"sentiment":"negative","sentiment_score":-0.36000922322273254},{"text":"That got disclosed to the market when they were audited, and then they're going through investigations and more audit.","start":1861.13,"end":1867.31,"sentiment":"neutral","sentiment_score":-0.21927677722353683},{"text":"And it was more to do with their UK division.","start":1867.53,"end":1869.9501,"sentiment":"neutral","sentiment_score":-0.16772816926240922},{"text":"So it had quite an effect on them because of the legal issue and they're being audited and investigated.","start":1870.41,"end":1875.7101,"sentiment":"neutral","sentiment_score":-0.2492455918537943},{"text":"Corporate traveler was at trading halt, which meant that Bannalong could not sell their portion of that investment.","start":1876.525,"end":1883.585,"sentiment":"neutral","sentiment_score":-0.2825845819380548}],"sentiment":"neutral","sentiment_score":-0.2548809173432263,"num_words":77,"start":1856.9149,"end":1883.585},{"sentences":[{"text":"But we can sell Bannalong.","start":1883.885,"end":1885.265,"sentiment":"neutral","sentiment_score":-0.12085544168949128},{"text":"It's the investment yeah.","start":1890.78,"end":1892.3,"sentiment":"neutral","sentiment_score":-0.028446716722100973},{"text":"It's the underlying investment.","start":1892.3,"end":1893.66,"sentiment":"neutral","sentiment_score":-0.02154200477525592},{"text":"It's corporate traveler within Bennelong.","start":1893.66,"end":1895.44,"sentiment":"neutral","sentiment_score":-0.01750555820763111},{"text":"Yeah.","start":1900.62,"end":1901.12,"sentiment":"neutral","sentiment_score":-0.05002488940954208}],"sentiment":"neutral","sentiment_score":-0.049567619730767454,"num_words":19,"start":1883.885,"end":1901.12},{"sentences":[{"text":"So it's better to get rid of it now.","start":1905.7051,"end":1907.865,"sentiment":"negative","sentiment_score":-0.4072355329990387},{"text":"No.","start":1907.865,"end":1908.105,"sentiment":"neutral","sentiment_score":-0.28991270065307617},{"text":"You're right.","start":1908.105,"end":1908.5851,"sentiment":"neutral","sentiment_score":-0.2731688618659973},{"text":"It's it's just better to sort of get rid of it now rather than hope and wait knowing that the risk of it getting worse or getting it may not recover for a longer period of time is there.","start":1908.5851,"end":1918.845,"sentiment":"negative","sentiment_score":-0.5075248242952884},{"text":"Yeah.","start":1920.95,"end":1921.45,"sentiment":"neutral","sentiment_score":-0.003116164356470108}],"sentiment":"negative","sentiment_score":-0.4672683564086373,"num_words":52,"start":1905.7051,"end":1921.45},{"sentences":[{"text":"Sometimes it's best to yeah.","start":1922.3099,"end":1924.3099,"sentiment":"neutral","sentiment_score":-0.05013601556420326},{"text":"You're sometimes it's best to just cut your losses and find a better investment to take its place rather than to just hope and wait that it's gonna come back.","start":1924.3099,"end":1934.3551,"sentiment":"neutral","sentiment_score":-0.1548302136361599},{"text":"But, I mean, this this is an issue with corporate travel that happened a few months back, and Venmo hasn't come back and recovered from that.","start":1934.3551,"end":1942.1951,"sentiment":"neutral","sentiment_score":-0.3035769474047881},{"text":"So it is best to just kind of look at removing that from your portfolio, and then we, you know, switch you out, get something that's performing better.","start":1942.1951,"end":1951.25,"sentiment":"neutral","sentiment_score":-0.18025583560977662},{"text":"Yeah.","start":1953.0701,"end":1953.5701,"sentiment":"neutral","sentiment_score":0.018705861642956737}],"sentiment":"neutral","sentiment_score":-0.19796716283178992,"num_words":90,"start":1922.3099,"end":1953.5701},{"sentences":[{"text":"Yeah.","start":1956.75,"end":1957.25,"sentiment":"neutral","sentiment_score":-0.02415064349770546},{"text":"It is.","start":1960.285,"end":1960.765,"sentiment":"negative","sentiment_score":-0.40085284411907196},{"text":"And they can't sell that from their portfolio, but we can remove you from Van Alon to make it easier.","start":1960.765,"end":1965.745,"sentiment":"neutral","sentiment_score":-0.3201990135014057},{"text":"I said they can't sell out of that investment, so we can sell you out of Van 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funny.","start":1987.305,"end":1989.785,"sentiment":"neutral","sentiment_score":-0.030100496858358382}],"sentiment":"neutral","sentiment_score":-0.08210456457787327,"num_words":28,"start":1974.86,"end":1989.785},{"sentences":[{"text":"So you have layers.","start":1989.785,"end":1990.925,"sentiment":"neutral","sentiment_score":-0.005253711249679327},{"text":"So you for your super fund, we've invested you in a portfolio.","start":1991.0651,"end":1994.925,"sentiment":"neutral","sentiment_score":0.04008139173189799},{"text":"The portfolio has included Venalong.","start":1995.0651,"end":1997.165,"sentiment":"neutral","sentiment_score":0.0504356823861599},{"text":"Venalong then has other investments within that, and then other investments have more investments.","start":1997.4651,"end":2003.43,"sentiment":"neutral","sentiment_score":0.01373385451734066},{"text":"There's always layers to the way investing works.","start":2003.43,"end":2005.91,"sentiment":"neutral","sentiment_score":-0.0032170400954782963}],"sentiment":"neutral","sentiment_score":0.020434370004507,"num_words":43,"start":1989.785,"end":2005.91},{"sentences":[{"text":"So it's a little bit convoluted, but yeah.","start":2005.91,"end":2008.87,"sentiment":"neutral","sentiment_score":-0.1346470471471548},{"text":"Look.","start":2008.87,"end":2009.11,"sentiment":"neutral","sentiment_score":-0.05894463509321213},{"text":"I definitely wanna move you out of that.","start":2009.11,"end":2010.87,"sentiment":"neutral","sentiment_score":-0.030575718730688095},{"text":"I'm gonna be really honest.","start":2010.87,"end":2012.23,"sentiment":"neutral","sentiment_score":0.07552463486790657},{"text":"Strong in my conviction with that.","start":2012.23,"end":2014.0901,"sentiment":"neutral","sentiment_score":0.1944060871998469}],"sentiment":"neutral","sentiment_score":0.00583331912223782,"num_words":28,"start":2005.91,"end":2014.0901},{"sentences":[{"text":"I've been trying to move everyone out of Bangalore as quickly as we possibly can because it in the last sort of six months, it has not come back, and I don't see it coming back in a hurry.","start":2014.845,"end":2025.665,"sentiment":"neutral","sentiment_score":-0.054544841058743306},{"text":"And the fact that over the last six years, it had such ups and downs.","start":2026.125,"end":2030.28,"sentiment":"neutral","sentiment_score":-0.22631095399459203},{"text":"They have not made any changes to their investments.","start":2030.28,"end":2032.78,"sentiment":"negative","sentiment_score":-0.35982247193654376},{"text":"And even with the markets changing between from COVID to now, the fact that they haven't changed their underlying investments.","start":2033.0,"end":2041.435,"sentiment":"neutral","sentiment_score":-0.12655586171895267},{"text":"They've held that conviction strong means that they believe in those, which is fine for them.","start":2041.495,"end":2045.915,"sentiment":"neutral","sentiment_score":0.16850640205666423}],"sentiment":"neutral","sentiment_score":-0.08682151676879989,"num_words":99,"start":2014.845,"end":2045.915},{"sentences":[{"text":"But what you invest in in, say, six years ago might need to be altered.","start":2046.775,"end":2052.155,"sentiment":"neutral","sentiment_score":-0.10909219433863958},{"text":"Markets change, trends change, things change over time, and investment portfolios need to continuously change with that, making sure they're updated and continued along with the trend, along with what's happening, along with your goals as well.","start":2052.57,"end":2066.33,"sentiment":"neutral","sentiment_score":0.07537500806958289},{"text":"So there's nothing wrong with removing it from your portfolio.","start":2066.33,"end":2069.305,"sentiment":"neutral","sentiment_score":-0.04889100342988968},{"text":"As I said, I'll do the research around what investments we put you into as a difference.","start":2070.005,"end":2074.325,"sentiment":"neutral","sentiment_score":0.16214782021501484},{"text":"I'll show you the recommendation in the advanced document, well, on the cost involved, the advantages, disadvantages, the risks involved.","start":2074.325,"end":2081.625,"sentiment":"neutral","sentiment_score":0.033997473400086166}],"sentiment":"neutral","sentiment_score":0.04141459354397022,"num_words":99,"start":2046.775,"end":2081.625},{"sentences":[{"text":"You get to have a look at that, take it away, and then decide whether you're happy to take that advice or not.","start":2082.11,"end":2087.33,"sentiment":"neutral","sentiment_score":0.03910407181019369},{"text":"Yeah.","start":2090.27,"end":2090.59,"sentiment":"neutral","sentiment_score":0.04535199701786041},{"text":"So what I'll do is after the call, I'll book you in for two weeks.","start":2090.59,"end":2093.6501,"sentiment":"neutral","sentiment_score":0.04738937293489774},{"text":"I'll do the my payment, I will do this all the research in the meantime, and then we'll come back in two weeks, and we'll go through that together.","start":2093.79,"end":2101.0251,"sentiment":"neutral","sentiment_score":0.04869377208424026},{"text":"Does that sound okay?","start":2101.165,"end":2102.225,"sentiment":"neutral","sentiment_score":0.04308130079880357}],"sentiment":"neutral","sentiment_score":0.04500042828213838,"num_words":72,"start":2082.11,"end":2102.225},{"sentences":[{"text":"Yeah.","start":2103.085,"end":2103.585,"sentiment":"neutral","sentiment_score":0.1920192837715149},{"text":"Beautiful.","start":2104.125,"end":2104.625,"sentiment":"positive","sentiment_score":0.609504759311676},{"text":"Beautiful.","start":2105.165,"end":2105.665,"sentiment":"positive","sentiment_score":0.581387996673584},{"text":"Excellent.","start":2107.485,"end":2107.985,"sentiment":"positive","sentiment_score":0.6292929649353027},{"text":"All good.","start":2108.2852,"end":2109.105,"sentiment":"positive","sentiment_score":0.4777252674102783}],"sentiment":"positive","sentiment_score":0.494609256585439,"num_words":6,"start":2103.085,"end":2109.105},{"sentences":[{"text":"Now just sort of back to the insurance side of things, you don't have any income protection or any trauma.","start":2110.2,"end":2115.66,"sentiment":"neutral","sentiment_score":-0.03496967181563378},{"text":"Has anyone ever spoken to you about income protection in the past?","start":2116.36,"end":2119.4,"sentiment":"neutral","sentiment_score":-0.042156518902629614},{"text":"And so what would happen if you were unable to get to work in the short term?","start":2119.4,"end":2122.76,"sentiment":"neutral","sentiment_score":-0.05700002851731637},{"text":"I know you're off at the moment, but how do you sort of cover your income?","start":2122.76,"end":2127.105,"sentiment":"neutral","sentiment_score":-0.034520491608418524},{"text":"Okay.","start":2136.4448,"end":2136.9448,"sentiment":"neutral","sentiment_score":0.0044401586055755615}],"sentiment":"neutral","sentiment_score":-0.041244846288905,"num_words":66,"start":2110.2,"end":2136.9448},{"sentences":[{"text":"Perfect.","start":2138.89,"end":2139.39,"sentiment":"neutral","sentiment_score":0.04926830530166626},{"text":"Oh, you need these?","start":2142.01,"end":2142.97,"sentiment":"neutral","sentiment_score":0.00442147022113204},{"text":"Absolutely fine.","start":2142.97,"end":2143.69,"sentiment":"neutral","sentiment_score":0.14758185297250748},{"text":"That's not a problem.","start":2143.69,"end":2144.57,"sentiment":"neutral","sentiment_score":0.1462415512651205},{"text":"Also, you have sort of income protection covered with the union there to cover you.","start":2144.57,"end":2148.49,"sentiment":"neutral","sentiment_score":0.06626339157422384}],"sentiment":"neutral","sentiment_score":0.07465519118480958,"num_words":26,"start":2138.89,"end":2148.49},{"sentences":[{"text":"That's absolutely fine.","start":2148.49,"end":2149.93,"sentiment":"neutral","sentiment_score":0.17508681118488312},{"text":"That's perfect.","start":2149.93,"end":2150.75,"sentiment":"neutral","sentiment_score":0.24236441776156425},{"text":"That's actually very good.","start":2153.175,"end":2154.635,"sentiment":"neutral","sentiment_score":0.1786077804863453},{"text":"Yeah.","start":2158.0552,"end":2158.5552,"sentiment":"neutral","sentiment_score":0.022157369181513783},{"text":"Oh, fantastic.","start":2163.0952,"end":2163.995,"sentiment":"positive","sentiment_score":0.348414808511734}],"sentiment":"neutral","sentiment_score":0.2036172814356784,"num_words":12,"start":2148.49,"end":2163.995},{"sentences":[{"text":"That's really, really good.","start":2164.375,"end":2165.7551,"sentiment":"neutral","sentiment_score":0.17226620018482208},{"text":"Yeah.","start":2165.895,"end":2166.395,"sentiment":"neutral","sentiment_score":0.034035660326480865},{"text":"Do you reckon you'll be needing to claim on that with the surgery you've gone through, or do you think you'll be back at work before then?","start":2166.8499,"end":2173.03,"sentiment":"neutral","sentiment_score":-0.014311957276529737},{"text":"Okay.","start":2175.5698,"end":2176.05,"sentiment":"neutral","sentiment_score":0.24711070954799652},{"text":"Beautiful.","start":2176.05,"end":2176.55,"sentiment":"positive","sentiment_score":0.5482630729675293}],"sentiment":"neutral","sentiment_score":0.03329562932691153,"num_words":34,"start":2164.375,"end":2176.55},{"sentences":[{"text":"Excellent.","start":2176.8499,"end":2177.3499,"sentiment":"positive","sentiment_score":0.6015238761901855},{"text":"Lovely.","start":2180.625,"end":2181.0251,"sentiment":"positive","sentiment_score":0.6345609426498413},{"text":"Lovely.","start":2181.0251,"end":2181.5251,"sentiment":"positive","sentiment_score":0.5786424875259399},{"text":"Excellent.","start":2182.865,"end":2183.365,"sentiment":"positive","sentiment_score":0.5270249843597412},{"text":"With the insurances, so, like, your life and TPD is paid for inside super.","start":2184.3052,"end":2189.205,"sentiment":"neutral","sentiment_score":0.1081870895411287}],"sentiment":"neutral","sentiment_score":0.2142428635723061,"num_words":18,"start":2176.8499,"end":2189.205},{"sentences":[{"text":"However, with other insurances like trauma and things like that, you have to pay them outside of you obviously don't have any trauma insurance.","start":2190.145,"end":2197.28,"sentiment":"neutral","sentiment_score":-0.026224290719255805},{"text":"And just to give you a bit of a lowdown, trauma can cover you or pay out a lump sum benefit if you're diagnosed with a major condition, things like heart attack, stroke, cancer is probably the biggest one, Parkinson's.","start":2197.3398,"end":2208.395,"sentiment":"neutral","sentiment_score":0.02804695242084563},{"text":"Not having trauma means you don't have that level of cover.","start":2209.735,"end":2212.7952,"sentiment":"neutral","sentiment_score":-0.07220339808951724},{"text":"Did you wanna look at getting any trauma or any other types of insurance that you don't currently hold?","start":2213.0151,"end":2217.975,"sentiment":"neutral","sentiment_score":-0.03566850545374971},{"text":"Are you just happy with your life and CBD?","start":2217.975,"end":2220.0752,"sentiment":"neutral","sentiment_score":0.024615661137633853}],"sentiment":"neutral","sentiment_score":-0.007358280706752852,"num_words":103,"start":2190.145,"end":2220.0752},{"sentences":[{"text":"Yes.","start":2223.7202,"end":2224.2202,"sentiment":"neutral","sentiment_score":0.09416472911834715},{"text":"No.","start":2225.4001,"end":2225.56,"sentiment":"neutral","sentiment_score":0.02445122227072716},{"text":"That's absolutely fine.","start":2225.56,"end":2226.9202,"sentiment":"neutral","sentiment_score":0.15792910754680634},{"text":"That's not a problem at all.","start":2226.9202,"end":2228.78,"sentiment":"neutral","sentiment_score":0.1985769917567571},{"text":"Beautiful.","start":2229.0,"end":2229.5,"sentiment":"positive","sentiment_score":0.4465709924697876}],"sentiment":"neutral","sentiment_score":0.18586968475331864,"num_words":12,"start":2223.7202,"end":2229.5},{"sentences":[{"text":"Well, that's essentially going through all of those documents there.","start":2229.8801,"end":2232.6,"sentiment":"neutral","sentiment_score":0.07968709096312523},{"text":"The only other ones attached are our financial services guide, which outlines all the information on myself, on OB Financial, all of our services that we do provide.","start":2232.6,"end":2241.2249,"sentiment":"neutral","sentiment_score":0.055513119391564815},{"text":"We've got the ongoing service fee agreement there as well for the next twelve months.","start":2241.605,"end":2246.005,"sentiment":"neutral","sentiment_score":0.06507086281975111},{"text":"So as a client, you do pay us an ongoing service fee for monitoring, looking after your super, updating, providing advice, doing news reviews, and sort of tracking forward towards your retirement goals there.","start":2246.005,"end":2256.53,"sentiment":"neutral","sentiment_score":0.0956198163330555},{"text":"The ongoing service fee is 1.65 per annum.","start":2256.99,"end":2260.4502,"sentiment":"neutral","sentiment_score":0.03752543171867728}],"sentiment":"neutral","sentiment_score":0.07240608846278566,"num_words":95,"start":2229.8801,"end":2260.4502},{"sentences":[{"text":"It is deducted in smaller monthly increments out of your super, the idea is as a percentage fee, it does fluctuate with the market.","start":2260.6702,"end":2267.365,"sentiment":"neutral","sentiment_score":0.05334715684875846},{"text":"So it does work in your benefit where the market is higher.","start":2267.365,"end":2270.645,"sentiment":"neutral","sentiment_score":0.07444342629363139},{"text":"It means that our fee is gonna be slightly higher.","start":2270.645,"end":2272.9648,"sentiment":"neutral","sentiment_score":-0.0016233984380960465},{"text":"However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well.","start":2272.9648,"end":2278.025,"sentiment":"neutral","sentiment_score":-0.07500269686659941},{"text":"So, essentially, what I'll get you to do is have a look through those documents there.","start":2278.65,"end":2282.0898,"sentiment":"neutral","sentiment_score":0.025956907775253057}],"sentiment":"neutral","sentiment_score":0.0070756738793782215,"num_words":88,"start":2260.6702,"end":2282.0898},{"sentences":[{"text":"If you are happy with everything, we'll get you to sign and return that back there for us, and that allows us to continue looking after everything for the next twelve months.","start":2282.0898,"end":2289.47,"sentiment":"positive","sentiment_score":0.5870643835514784},{"text":"I'll go back and review your portfolio, look at how it has performed, all the costs involved, make a recommendation on switching out that then along.","start":2290.01,"end":2297.145,"sentiment":"neutral","sentiment_score":0.24617111625579688},{"text":"I'll look at the other investments as well and see if there's anything else that flags we might need to move or if there's a better performing portfolio that, you know, could provide greater benefit moving forward, and I'll update the advice for you to reflect the recommendations, the cost involved, advantages, disadvantages, or risks for you to consider.","start":2297.145,"end":2315.68,"sentiment":"neutral","sentiment_score":0.21440392959926088},{"text":"Does that make all sense?","start":2315.98,"end":2317.0999,"sentiment":"neutral","sentiment_score":0.19242049157619476},{"text":"Do you have any questions there, Dustin?","start":2317.0999,"end":2318.6199,"sentiment":"neutral","sentiment_score":0.059908557683229446}],"sentiment":"neutral","sentiment_score":0.3040139806536279,"num_words":129,"start":2282.0898,"end":2318.6199},{"sentences":[{"text":"Sorry.","start":2318.6199,"end":2318.8599,"sentiment":"neutral","sentiment_score":-0.10832749307155608},{"text":"I go through quite a lot.","start":2318.8599,"end":2320.24,"sentiment":"neutral","sentiment_score":-0.1627092808485031},{"text":"Yeah.","start":2326.125,"end":2326.445,"sentiment":"neutral","sentiment_score":-0.0218484029173851},{"text":"That's okay.","start":2326.445,"end":2327.265,"sentiment":"neutral","sentiment_score":-0.002452485729008913},{"text":"Is it just spinning like a wheel of death?","start":2332.845,"end":2335.345,"sentiment":"neutral","sentiment_score":-0.11888501130872303}],"sentiment":"neutral","sentiment_score":-0.11480535022718341,"num_words":19,"start":2318.6199,"end":2335.345},{"sentences":[{"text":"Yeah.","start":2348.1,"end":2348.4202,"sentiment":"neutral","sentiment_score":0.10003198683261871},{"text":"That'll be fine.","start":2348.4202,"end":2349.48,"sentiment":"neutral","sentiment_score":0.1698430528243383},{"text":"Legend.","start":2351.695,"end":2352.015,"sentiment":"neutral","sentiment_score":0.15505269169807434},{"text":"Thank you for that.","start":2352.015,"end":2353.2349,"sentiment":"positive","sentiment_score":0.4095217436552048},{"text":"All good.","start":2353.775,"end":2354.515,"sentiment":"positive","sentiment_score":0.4457351565361023}],"sentiment":"neutral","sentiment_score":0.2994701022451574,"num_words":11,"start":2348.1,"end":2354.515},{"sentences":[{"text":"Now I just wanted to update all of your circumstances here.","start":2354.895,"end":2357.535,"sentiment":"neutral","sentiment_score":0.19299133528362622},{"text":"Just checking to see what may have changed in your life.","start":2357.535,"end":2360.335,"sentiment":"neutral","sentiment_score":0.13408353518355975},{"text":"I've updated your mortgage, which is fantastic.","start":2360.335,"end":2362.435,"sentiment":"positive","sentiment_score":0.5099700774465289},{"text":"Other assets I had, you've got a boat.","start":2363.55,"end":2365.55,"sentiment":"neutral","sentiment_score":0.13074160646647215},{"text":"Do you still have that boat?","start":2365.55,"end":2367.01,"sentiment":"neutral","sentiment_score":0.0325412064169844}],"sentiment":"neutral","sentiment_score":0.19555335366275423,"num_words":43,"start":2354.895,"end":2367.01},{"sentences":[{"text":"Yeah.","start":2368.99,"end":2369.3901,"sentiment":"neutral","sentiment_score":0.10629989206790924},{"text":"Love it's all good.","start":2369.3901,"end":2372.05,"sentiment":"neutral","sentiment_score":0.3232143707573414},{"text":"I've got a value of 25,000 on that one.","start":2372.1902,"end":2375.3901,"sentiment":"neutral","sentiment_score":0.11008433252573013},{"text":"Would you still value it the same or yes.","start":2375.3901,"end":2381.4548,"sentiment":"neutral","sentiment_score":0.04436476445860333},{"text":"Beautiful.","start":2381.6748,"end":2382.1748,"sentiment":"positive","sentiment_score":0.3534567952156067}],"sentiment":"neutral","sentiment_score":0.13094400179882845,"num_words":24,"start":2368.99,"end":2382.1748},{"sentences":[{"text":"I've got your car down with a value of 45,000.","start":2383.115,"end":2386.6348,"sentiment":"neutral","sentiment_score":0.033098334446549416},{"text":"Would that be fairly accurate?","start":2386.6348,"end":2388.1748,"sentiment":"neutral","sentiment_score":0.034544726833701134},{"text":"Yep.","start":2393.61,"end":2394.11,"sentiment":"neutral","sentiment_score":0.03402278572320938},{"text":"Perfect.","start":2394.17,"end":2394.67,"sentiment":"neutral","sentiment_score":0.25581178069114685},{"text":"Yeah.","start":2394.97,"end":2395.37,"sentiment":"neutral","sentiment_score":0.14862366020679474}],"sentiment":"neutral","sentiment_score":0.05234251140306393,"num_words":18,"start":2383.115,"end":2395.37},{"sentences":[{"text":"Absolutely fine.","start":2395.37,"end":2396.25,"sentiment":"neutral","sentiment_score":0.2679060772061348},{"text":"Let's leave it at 40.","start":2396.25,"end":2397.45,"sentiment":"neutral","sentiment_score":0.11521057039499283},{"text":"Beautiful.","start":2397.45,"end":2397.95,"sentiment":"neutral","sentiment_score":0.12561723589897156},{"text":"I've got down your asset value about 15,000.","start":2398.73,"end":2402.19,"sentiment":"neutral","sentiment_score":-0.08694800641387701},{"text":"Okay.","start":2407.575,"end":2408.075,"sentiment":"neutral","sentiment_score":0.24636738002300265}],"sentiment":"neutral","sentiment_score":0.046368562999893635,"num_words":17,"start":2395.37,"end":2408.075},{"sentences":[{"text":"Beautiful.","start":2408.135,"end":2408.635,"sentiment":"positive","sentiment_score":0.636163592338562},{"text":"And we have here about 80,000 in savings that you are planning to use towards some renovations.","start":2409.335,"end":2414.9548,"sentiment":"neutral","sentiment_score":0.3313400990822736},{"text":"Is that okay.","start":2415.895,"end":2419.1802,"sentiment":"neutral","sentiment_score":0.13165583461523056},{"text":"Beautiful.","start":2419.1802,"end":2419.58,"sentiment":"positive","sentiment_score":0.550801694393158},{"text":"And that's from the offset account?","start":2419.58,"end":2421.1802,"sentiment":"neutral","sentiment_score":0.09140080586075783}],"sentiment":"neutral","sentiment_score":0.27725426107645035,"num_words":28,"start":2408.135,"end":2421.1802},{"sentences":[{"text":"Yeah.","start":2421.1802,"end":2421.58,"sentiment":"neutral","sentiment_score":0.19251307845115664},{"text":"Perfect.","start":2421.58,"end":2422.08,"sentiment":"positive","sentiment_score":0.5266865491867065},{"text":"Beautiful.","start":2423.5,"end":2424.0,"sentiment":"positive","sentiment_score":0.5398270487785339},{"text":"And then I've got here some solar, which you had about 18,000 of debt on.","start":2424.1401,"end":2428.4602,"sentiment":"neutral","sentiment_score":0.13244769722223282},{"text":"Have you paid down the solar?","start":2428.4602,"end":2430.08,"sentiment":"neutral","sentiment_score":0.0659053847193718}],"sentiment":"neutral","sentiment_score":0.15171560179442167,"num_words":24,"start":2421.1802,"end":2430.08},{"sentences":[{"text":"Okay.","start":2436.405,"end":2436.905,"sentiment":"neutral","sentiment_score":0.24047058820724487},{"text":"Perfect.","start":2437.205,"end":2437.705,"sentiment":"positive","sentiment_score":0.44076794385910034},{"text":"Yeah.","start":2440.245,"end":2440.725,"sentiment":"neutral","sentiment_score":0.235760897397995},{"text":"Absolutely.","start":2440.725,"end":2441.225,"sentiment":"positive","sentiment_score":0.3889033794403076},{"text":"We'll knock that down for you.","start":2441.605,"end":2443.045,"sentiment":"positive","sentiment_score":0.4301990767319997}],"sentiment":"positive","sentiment_score":0.3887097269296646,"num_words":10,"start":2436.405,"end":2443.045},{"sentences":[{"text":"Fantastic.","start":2443.045,"end":2443.545,"sentiment":"positive","sentiment_score":0.6147497892379761},{"text":"Any other assets or shares or cryptocurrency or anything else that you might have there at the moment we should probably note down?","start":2444.93,"end":2451.3499,"sentiment":"neutral","sentiment_score":0.23955906668434973},{"text":"That's okay.","start":2454.21,"end":2454.95,"sentiment":"neutral","sentiment_score":0.08699439093470573},{"text":"Yeah.","start":2460.745,"end":2460.985,"sentiment":"neutral","sentiment_score":0.07859599590301514},{"text":"That's okay.","start":2460.985,"end":2461.705,"sentiment":"neutral","sentiment_score":0.10047203674912453}],"sentiment":"neutral","sentiment_score":0.22683231635340328,"num_words":29,"start":2443.045,"end":2461.705},{"sentences":[{"text":"Look, honestly, as advisers, we do also do not just super insurances, but we do build investment portfolios so you can build wealth outside of super if that's one of your goals as well.","start":2461.705,"end":2471.385,"sentiment":"neutral","sentiment_score":0.16066219350870917},{"text":"So if you do wanna sort of have that conversation, talk more about what else we can do, or look at building wealth outside of Super, let us know.","start":2471.385,"end":2479.5598,"sentiment":"neutral","sentiment_score":0.16625092101508174},{"text":"We can definitely help you along with that as well.","start":2479.5598,"end":2482.0398,"sentiment":"positive","sentiment_score":0.3611956864595413},{"text":"Okay?","start":2482.0398,"end":2482.5398,"sentiment":"neutral","sentiment_score":0.11669859290122986},{"text":"Fantastic.","start":2484.455,"end":2484.955,"sentiment":"positive","sentiment_score":0.5572144389152527}],"sentiment":"neutral","sentiment_score":0.1942621491352717,"num_words":75,"start":2461.705,"end":2484.955},{"sentences":[{"text":"I did have a look at your beneficiary nominations as well, and I just wanted to clarify.","start":2485.975,"end":2490.315,"sentiment":"neutral","sentiment_score":0.16643674145726597},{"text":"So I've got Kristen down as a yeah.","start":2490.455,"end":2494.775,"sentiment":"neutral","sentiment_score":0.03702056431211531},{"text":"As a beneficiary on both your life insurance and your super, but her name is different on both of them.","start":2494.775,"end":2500.43,"sentiment":"neutral","sentiment_score":0.04715167367830873},{"text":"Her surname is different on each.","start":2500.43,"end":2502.53,"sentiment":"neutral","sentiment_score":0.018281688603262108},{"text":"What surname does she give us?","start":2502.99,"end":2504.93,"sentiment":"neutral","sentiment_score":0.04655073396861553}],"sentiment":"neutral","sentiment_score":0.07820380926785762,"num_words":57,"start":2485.975,"end":2504.93},{"sentences":[{"text":"Okay.","start":2506.91,"end":2507.41,"sentiment":"neutral","sentiment_score":0.01889170333743095},{"text":"So it's her the life okay.","start":2507.8699,"end":2511.525,"sentiment":"neutral","sentiment_score":0.006711376287663977},{"text":"So her life insurance is under the maiden name, and her ID is all in your married name?","start":2511.525,"end":2516.665,"sentiment":"neutral","sentiment_score":0.0027444487334125573},{"text":"Absolutely.","start":2520.405,"end":2520.905,"sentiment":"neutral","sentiment_score":0.15221740305423737},{"text":"Yeah.","start":2521.045,"end":2521.365,"sentiment":"neutral","sentiment_score":0.16690631210803986}],"sentiment":"neutral","sentiment_score":0.015840139015819186,"num_words":27,"start":2506.91,"end":2521.365},{"sentences":[{"text":"Absolutely.","start":2521.365,"end":2521.845,"sentiment":"neutral","sentiment_score":0.2569139003753662},{"text":"Because we will need to update that one.","start":2521.845,"end":2523.39,"sentiment":"neutral","sentiment_score":0.1509346105158329},{"text":"So what I'll do is I'll get a new beneficiary set up for the life insurance with MetLife.","start":2523.39,"end":2527.8699,"sentiment":"neutral","sentiment_score":0.2184014684624142},{"text":"I'll get that are you happy for us to prefill that with her information?","start":2527.8699,"end":2531.5698,"sentiment":"neutral","sentiment_score":0.27838199958205223},{"text":"Yep.","start":2533.71,"end":2534.21,"sentiment":"neutral","sentiment_score":0.05353669449687004}],"sentiment":"neutral","sentiment_score":0.2225357596540735,"num_words":42,"start":2521.365,"end":2534.21},{"sentences":[{"text":"Fantastic.","start":2536.605,"end":2537.105,"sentiment":"positive","sentiment_score":0.5861358046531677},{"text":"That's okay.","start":2538.7651,"end":2539.665,"sentiment":"neutral","sentiment_score":0.2676796689629555},{"text":"My main concern is if something did happen and she was then gone claim, not having the correct name as her ID causes a bit of an issue and can make the claim a lot harder.","start":2539.725,"end":2550.42,"sentiment":"neutral","sentiment_score":-0.32903102392123806},{"text":"So it's all best to have it updated now or to reflect.","start":2550.42,"end":2553.3,"sentiment":"neutral","sentiment_score":0.00597349585344394},{"text":"That way, if in the event something happens, it's all sorted.","start":2553.3,"end":2557.16,"sentiment":"neutral","sentiment_score":0.1500641886483539}],"sentiment":"neutral","sentiment_score":-0.1451811886001979,"num_words":62,"start":2536.605,"end":2557.16},{"sentences":[{"text":"I also kind of like to point out as well just letting her know that you do have life insurance and super and that if she ever did need to make a claim on those, just to call us and we would help facilitate the claim for her.","start":2557.62,"end":2569.395,"sentiment":"positive","sentiment_score":0.33528432218978804},{"text":"So I have just had it in the past where clients have not made mention of an adviser, they passed away, and, yeah, a few months later, someone calls up and goes, hey.","start":2569.395,"end":2578.38,"sentiment":"neutral","sentiment_score":-0.046603157156796166},{"text":"Who are you?","start":2578.38,"end":2579.2,"sentiment":"neutral","sentiment_score":-0.049624053140481315},{"text":"What do you do?","start":2579.3398,"end":2580.32,"sentiment":"neutral","sentiment_score":-0.0441711051389575},{"text":"And we have to explain what we do, how things work, and we help them do the claim, you know, several months down the track.","start":2580.38,"end":2586.96,"sentiment":"neutral","sentiment_score":-0.007181010693311691}],"sentiment":"neutral","sentiment_score":0.1243421365630574,"num_words":113,"start":2557.62,"end":2586.96},{"sentences":[{"text":"Yeah.","start":2588.46,"end":2588.96,"sentiment":"neutral","sentiment_score":-0.017090436071157455},{"text":"Yeah.","start":2589.9849,"end":2590.2249,"sentiment":"neutral","sentiment_score":0.0008156802505254745},{"text":"No.","start":2590.2249,"end":2590.385,"sentiment":"neutral","sentiment_score":-0.003179691731929779},{"text":"That's okay.","start":2590.385,"end":2591.185,"sentiment":"neutral","sentiment_score":0.07285243086516857},{"text":"Fantastic.","start":2591.185,"end":2591.585,"sentiment":"positive","sentiment_score":0.41600966453552246}],"sentiment":"neutral","sentiment_score":0.09037667978554964,"num_words":6,"start":2588.46,"end":2591.585},{"sentences":[{"text":"And, look, honestly, we hope nothing happens.","start":2591.585,"end":2593.585,"sentiment":"neutral","sentiment_score":0.11894974538258143},{"text":"I want you to get to retirement.","start":2593.585,"end":2595.045,"sentiment":"neutral","sentiment_score":0.11430633919579643},{"text":"You know, once your kids grow up and get old and go through life perfectly fine, and we just always have to make sure these little things are all in place to protect you in the event that something happens.","start":2595.345,"end":2605.525,"sentiment":"neutral","sentiment_score":0.1657999319024384},{"text":"Yeah.","start":2605.96,"end":2606.46,"sentiment":"neutral","sentiment_score":0.08429957926273346},{"text":"Excellent.","start":2607.72,"end":2608.22,"sentiment":"positive","sentiment_score":0.4504011869430542}],"sentiment":"neutral","sentiment_score":0.15713376132771373,"num_words":56,"start":2591.585,"end":2608.22},{"sentences":[{"text":"On your super, your beneficiary nomination is set up as a binding lapsing nomination.","start":2608.6,"end":2612.94,"sentiment":"neutral","sentiment_score":0.14535305861915862},{"text":"That essentially means that we you'll need to resign that dot that nomination form every three years.","start":2613.08,"end":2619.58,"sentiment":"neutral","sentiment_score":0.0327968215878012},{"text":"You have other options for beneficiary nominations.","start":2620.385,"end":2623.045,"sentiment":"neutral","sentiment_score":0.13052736222743988},{"text":"One of them is a non lapsing binding, which means you fill the nomination out now and you never have to fill it out again.","start":2623.265,"end":2629.905,"sentiment":"neutral","sentiment_score":0.17242858231067656},{"text":"It stays in place.","start":2629.905,"end":2631.285,"sentiment":"neutral","sentiment_score":0.2228151075541973}],"sentiment":"neutral","sentiment_score":0.1299724673318899,"num_words":67,"start":2608.6,"end":2631.285},{"sentences":[{"text":"Are you happy with your super nomination refilling the document out every three years, or did you want me to update that so you do it once and never have signed it again?","start":2631.665,"end":2641.3198,"sentiment":"neutral","sentiment_score":0.22589193465131702},{"text":"Yep.","start":2642.8198,"end":2643.3198,"sentiment":"neutral","sentiment_score":0.0091526098549366},{"text":"Yep.","start":2644.0999,"end":2644.5999,"sentiment":"neutral","sentiment_score":0.04756830632686615},{"text":"Yep.","start":2647.2998,"end":2647.665,"sentiment":"neutral","sentiment_score":0.14312711358070374},{"text":"Absolutely fine.","start":2647.905,"end":2648.865,"sentiment":"positive","sentiment_score":0.3423962891101837}],"sentiment":"neutral","sentiment_score":0.21944932767042988,"num_words":38,"start":2631.665,"end":2648.865},{"sentences":[{"text":"Not a problem at all.","start":2648.865,"end":2650.065,"sentiment":"neutral","sentiment_score":0.29250355064868927},{"text":"With your super life insurance, did you want me to I'll double check whether MetLife allows for non lapsing binding or just lapsing binding.","start":2650.065,"end":2658.065,"sentiment":"neutral","sentiment_score":0.08701864614461859},{"text":"But if they have the option between two, do you want it to be the same as your super so it just gets updated every three years?","start":2658.065,"end":2664.5,"sentiment":"neutral","sentiment_score":0.053592596065115045},{"text":"Yep.","start":2666.48,"end":2666.96,"sentiment":"neutral","sentiment_score":0.09131916612386703},{"text":"Okay.","start":2666.96,"end":2667.28,"sentiment":"neutral","sentiment_score":0.09634234756231308}],"sentiment":"neutral","sentiment_score":0.08940735979583757,"num_words":58,"start":2648.865,"end":2667.28},{"sentences":[{"text":"No worries.","start":2667.28,"end":2668.02,"sentiment":"neutral","sentiment_score":0.05469393916428089},{"text":"Yep.","start":2669.44,"end":2669.84,"sentiment":"neutral","sentiment_score":0.13734304904937744},{"text":"That's that's fine.","start":2669.84,"end":2671.12,"sentiment":"neutral","sentiment_score":0.23031631112098694},{"text":"Not a problem at all.","start":2671.12,"end":2672.4001,"sentiment":"neutral","sentiment_score":0.2976477801799774},{"text":"We'll get that sorted for you and resent out.","start":2672.4001,"end":2674.72,"sentiment":"positive","sentiment_score":0.3666154808468289}],"sentiment":"neutral","sentiment_score":0.2862729044631124,"num_words":20,"start":2667.28,"end":2674.72},{"sentences":[{"text":"Is emailing or posting that beneficiary nomination to be signed gonna be easier for you?","start":2674.72,"end":2680.355,"sentiment":"neutral","sentiment_score":0.17436772137880324},{"text":"That's okay.","start":2683.7751,"end":2684.2551,"sentiment":"neutral","sentiment_score":0.07123353332281113},{"text":"Did you wanna email or post that nomination to you?","start":2684.2551,"end":2687.715,"sentiment":"neutral","sentiment_score":0.0521122682839632},{"text":"Email.","start":2689.935,"end":2690.435,"sentiment":"neutral","sentiment_score":0.07517778128385544},{"text":"Yep.","start":2691.6802,"end":2692.1802,"sentiment":"neutral","sentiment_score":0.15165352821350098}],"sentiment":"neutral","sentiment_score":0.12089437516085033,"num_words":29,"start":2674.72,"end":2692.1802},{"sentences":[{"text":"Perfect.","start":2692.32,"end":2692.82,"sentiment":"positive","sentiment_score":0.5205578804016113},{"text":"All good.","start":2693.04,"end":2693.86,"sentiment":"positive","sentiment_score":0.4146962910890579},{"text":"Yep.","start":2696.4802,"end":2696.9802,"sentiment":"neutral","sentiment_score":0.10632358491420746},{"text":"Oh, beautiful.","start":2698.4802,"end":2699.36,"sentiment":"positive","sentiment_score":0.4956526458263397},{"text":"Thank you so much for that.","start":2699.36,"end":2701.1401,"sentiment":"positive","sentiment_score":0.6677748759587606}],"sentiment":"positive","sentiment_score":0.5378523829082648,"num_words":12,"start":2692.32,"end":2701.1401},{"sentences":[{"text":"The other thing I have down here is that you guys didn't have a will and power of attorney, Daf.","start":2701.76,"end":2706.165,"sentiment":"neutral","sentiment_score":-0.0010087433736771345},{"text":"Have you spoken about seeking the services of, like, a lawyer?","start":2706.165,"end":2709.705,"sentiment":"neutral","sentiment_score":-0.017359840598973362},{"text":"Yes.","start":2714.565,"end":2715.065,"sentiment":"neutral","sentiment_score":0.09026238322257996},{"text":"Yep.","start":2716.725,"end":2717.225,"sentiment":"neutral","sentiment_score":0.0900811180472374},{"text":"That's okay.","start":2717.605,"end":2718.5051,"sentiment":"neutral","sentiment_score":0.04173102788627148}],"sentiment":"neutral","sentiment_score":0.0015049269422888756,"num_words":35,"start":2701.76,"end":2718.5051},{"sentences":[{"text":"There is all of the states do have local trustees, which you can do will kits very, very simply.","start":2719.08,"end":2725.58,"sentiment":"neutral","sentiment_score":0.15031337483148827},{"text":"If you did you want me to do up an email?","start":2726.76,"end":2728.9202,"sentiment":"neutral","sentiment_score":0.018339433368634094},{"text":"I have some information on the, like, the local government trust fees that can help you to do a very simple will.","start":2728.9202,"end":2735.125,"sentiment":"neutral","sentiment_score":0.09976161271333694},{"text":"They do them over the phone via email or just in the local government office.","start":2735.345,"end":2740.145,"sentiment":"neutral","sentiment_score":0.044776410112778345},{"text":"Did you want me to find yeah.","start":2740.145,"end":2741.745,"sentiment":"neutral","sentiment_score":0.0237887667358986}],"sentiment":"neutral","sentiment_score":0.0823055525322923,"num_words":74,"start":2719.08,"end":2741.745},{"sentences":[{"text":"I'll find that information to email through to you.","start":2741.745,"end":2744.485,"sentiment":"neutral","sentiment_score":0.11755051463842392},{"text":"Sometimes that can just make things a lot simpler and easier.","start":2744.545,"end":2747.605,"sentiment":"positive","sentiment_score":0.33812748302112927},{"text":"Okay.","start":2751.5598,"end":2752.0598,"sentiment":"neutral","sentiment_score":0.055120401084423065},{"text":"Yeah.","start":2752.5198,"end":2752.92,"sentiment":"neutral","sentiment_score":0.04252251237630844},{"text":"No.","start":2752.92,"end":2753.16,"sentiment":"neutral","sentiment_score":0.024218635633587837}],"sentiment":"neutral","sentiment_score":0.21300949974228506,"num_words":23,"start":2741.745,"end":2753.16},{"sentences":[{"text":"That's okay.","start":2753.16,"end":2753.98,"sentiment":"neutral","sentiment_score":0.09925752133131027},{"text":"Not an issue at all.","start":2754.1199,"end":2755.8198,"sentiment":"neutral","sentiment_score":0.1585405260324478},{"text":"And so just with your super, you're obviously in that high growth environment.","start":2756.3599,"end":2760.22,"sentiment":"neutral","sentiment_score":0.08161694212601735},{"text":"It does suit someone who's not accessing super for the next sort of know, eight to ten years.","start":2760.3599,"end":2765.055,"sentiment":"neutral","sentiment_score":-0.004351128513614337},{"text":"You've got a lot longer than that ahead of you.","start":2765.055,"end":2766.975,"sentiment":"neutral","sentiment_score":-0.02913361191749573}],"sentiment":"neutral","sentiment_score":0.03505378100089729,"num_words":48,"start":2753.16,"end":2766.975},{"sentences":[{"text":"Are you happy to stay in that high growth environment, or did you wanna reassess your risk level with the super asset allocation?","start":2766.975,"end":2773.795,"sentiment":"neutral","sentiment_score":0.003327237361151239},{"text":"Yeah.","start":2781.79,"end":2782.29,"sentiment":"neutral","sentiment_score":0.01712823659181595},{"text":"Yeah.","start":2782.59,"end":2782.9102,"sentiment":"neutral","sentiment_score":0.02227187156677246},{"text":"I think one of the difference yeah.","start":2782.9102,"end":2785.7102,"sentiment":"neutral","sentiment_score":-0.0015705451369285583},{"text":"So the the high growth and the aggressive I mean, to go up from where you are aggressive, you're a 100% invested in equities and growth investments.","start":2785.7102,"end":2793.725,"sentiment":"neutral","sentiment_score":0.10762609969134684}],"sentiment":"neutral","sentiment_score":0.05103114310462596,"num_words":59,"start":2766.975,"end":2793.725},{"sentences":[{"text":"So the benefit to having a high growth portfolio is you do have some defensive investments because there are times when equities see a lot of volatility, and this is probably a really good example of that with the war between The US and Iran.","start":2793.945,"end":2809.42,"sentiment":"neutral","sentiment_score":0.25139503329992297},{"text":"And so having defensive investments often provides some downside protection for when those equities are fluctuating pretty heavily.","start":2810.2,"end":2817.535,"sentiment":"neutral","sentiment_score":0.12687955796718597},{"text":"So that high growth environment has that ninety, ten split, whereas if you took on a big risk and moves more aggressive, you're a 100% in equities with essentially no defensive investment as a bit of a backup.","start":2817.535,"end":2830.04,"sentiment":"neutral","sentiment_score":0.10382491536438465},{"text":"So high growth is absolutely fine.","start":2830.04,"end":2832.7,"sentiment":"positive","sentiment_score":0.5058962206045786},{"text":"It's not in any way, shape, or form bad.","start":2832.76,"end":2835.0,"sentiment":"neutral","sentiment_score":0.26718883050812614}],"sentiment":"neutral","sentiment_score":0.1981209665858026,"num_words":116,"start":2793.945,"end":2835.0},{"sentences":[{"text":"It's honestly suited to your time horizon.","start":2835.0,"end":2837.26,"sentiment":"positive","sentiment_score":0.47247576287814547},{"text":"If you wanted to go a bit more aggressive, you could, But having some defensive investments does give you some long term downside protection as well.","start":2837.8801,"end":2846.075,"sentiment":"neutral","sentiment_score":0.024938045356136102},{"text":"Yep.","start":2849.095,"end":2849.595,"sentiment":"neutral","sentiment_score":0.1596144437789917},{"text":"That's absolutely fine.","start":2849.815,"end":2851.355,"sentiment":"positive","sentiment_score":0.5091763039429983},{"text":"Beautiful.","start":2851.4148,"end":2851.9148,"sentiment":"positive","sentiment_score":0.6213716268539429}],"sentiment":"neutral","sentiment_score":0.16484827636496016,"num_words":38,"start":2835.0,"end":2851.9148},{"sentences":[{"text":"The only other thing to check here, I've got income.","start":2852.9348,"end":2855.6,"sentiment":"neutral","sentiment_score":0.05674769934266806},{"text":"Your income last year was about 160,000.","start":2856.06,"end":2858.9402,"sentiment":"neutral","sentiment_score":0.010977690507258688},{"text":"Have you had a pay rise since then?","start":2858.9402,"end":2860.78,"sentiment":"neutral","sentiment_score":-0.007602949277497828},{"text":"Or fantastic.","start":2860.78,"end":2866.4001,"sentiment":"neutral","sentiment_score":0.2305810423567891},{"text":"Excellent.","start":2866.78,"end":2867.1802,"sentiment":"positive","sentiment_score":0.3733018636703491}],"sentiment":"neutral","sentiment_score":0.050641470755051286,"num_words":28,"start":2852.9348,"end":2867.1802},{"sentences":[{"text":"And you're still salary sacrificing about 5% of your wage?","start":2867.1802,"end":2870.6401,"sentiment":"neutral","sentiment_score":0.029208670277148484},{"text":"Yep.","start":2873.795,"end":2874.195,"sentiment":"neutral","sentiment_score":0.183300256729126},{"text":"Beautiful.","start":2874.195,"end":2874.695,"sentiment":"positive","sentiment_score":0.5894166231155396},{"text":"Excellent.","start":2874.835,"end":2875.315,"sentiment":"positive","sentiment_score":0.6556224822998047},{"text":"Still happy to continue with that.","start":2875.315,"end":2876.835,"sentiment":"positive","sentiment_score":0.732173760732015}],"sentiment":"neutral","sentiment_score":0.32176150680568655,"num_words":19,"start":2867.1802,"end":2876.835},{"sentences":[{"text":"That's definitely helping long term.","start":2876.835,"end":2879.015,"sentiment":"positive","sentiment_score":0.6884788036346435},{"text":"Yep.","start":2881.955,"end":2882.355,"sentiment":"neutral","sentiment_score":0.17529408633708954},{"text":"Beautiful.","start":2882.355,"end":2882.855,"sentiment":"positive","sentiment_score":0.4003007113933563},{"text":"And are you finding that you're still saving a bit?","start":2882.915,"end":2885.155,"sentiment":"neutral","sentiment_score":0.10641245841979981},{"text":"We had down here that you had about two or averaged about $200 per week savings last year.","start":2885.155,"end":2890.32,"sentiment":"neutral","sentiment_score":0.03939948137849569}],"sentiment":"neutral","sentiment_score":0.16546583042613097,"num_words":35,"start":2876.835,"end":2890.32},{"sentences":[{"text":"Are you still finding that you're saving that fairly fairly well with income?","start":2890.32,"end":2894.02,"sentiment":"neutral","sentiment_score":0.06018532167833585},{"text":"Yeah.","start":2898.64,"end":2899.14,"sentiment":"neutral","sentiment_score":0.05228922516107559},{"text":"Beautiful.","start":2901.2249,"end":2901.7249,"sentiment":"positive","sentiment_score":0.3988252878189087},{"text":"Yes.","start":2902.265,"end":2902.765,"sentiment":"neutral","sentiment_score":0.056853849440813065},{"text":"Yep.","start":2905.4648,"end":2905.9648,"sentiment":"neutral","sentiment_score":-0.025215625762939453}],"sentiment":"neutral","sentiment_score":0.07442128932213082,"num_words":17,"start":2890.32,"end":2905.9648},{"sentences":[{"text":"All the expenses stuff.","start":2906.585,"end":2907.865,"sentiment":"neutral","sentiment_score":-0.023075425531715155},{"text":"Yeah.","start":2907.865,"end":2908.365,"sentiment":"neutral","sentiment_score":0.00941397063434124},{"text":"No.","start":2909.865,"end":2910.265,"sentiment":"neutral","sentiment_score":0.06138431280851364},{"text":"Fantastic.","start":2910.265,"end":2910.765,"sentiment":"neutral","sentiment_score":0.2608999013900757},{"text":"And long term goals, we're working towards, hopefully, retiring at the age of 60 on about $1,500 per week.","start":2911.89,"end":2917.73,"sentiment":"neutral","sentiment_score":0.11378859061943858}],"sentiment":"neutral","sentiment_score":0.09236075786443856,"num_words":26,"start":2906.585,"end":2917.73},{"sentences":[{"text":"Is that still your goal for that long term for the horizon?","start":2917.73,"end":2920.95,"sentiment":"neutral","sentiment_score":0.06673451326787472},{"text":"Yep.","start":2923.3298,"end":2923.8298,"sentiment":"neutral","sentiment_score":0.02423529326915741},{"text":"You.","start":2924.3699,"end":2924.8699,"sentiment":"neutral","sentiment_score":0.04282087832689285},{"text":"Yeah.","start":2927.4148,"end":2927.7349,"sentiment":"neutral","sentiment_score":0.0277439896017313},{"text":"That's okay.","start":2927.7349,"end":2928.4548,"sentiment":"neutral","sentiment_score":0.05849331617355347}],"sentiment":"neutral","sentiment_score":0.059564761927022654,"num_words":17,"start":2917.73,"end":2928.4548},{"sentences":[{"text":"Well, when we get closer to that, one of the things I do sort of like if she's comfortable with that down the track, when you get into sort of the fifties and we're sort of looking at the time that we can look at both of them for you and sort of see how things should be structured, how the drawdown looks, and what the longevity of looks like.","start":2928.4548,"end":2946.29,"sentiment":"neutral","sentiment_score":0.05991547778581402},{"text":"But that's kind of for you a long time down the track.","start":2946.99,"end":2950.2102,"sentiment":"neutral","sentiment_score":0.15396586867670217},{"text":"We'll sort of focus on trying to build that as much as as we can over the next five to ten years and keep doing that as we get further and closer and closer to retirement.","start":2950.4302,"end":2958.575,"sentiment":"neutral","sentiment_score":0.329871981508202},{"text":"Okay?","start":2958.9548,"end":2959.4548,"sentiment":"neutral","sentiment_score":0.0843902975320816},{"text":"So the earliest you can is 60 currently.","start":2965.61,"end":2968.4302,"sentiment":"neutral","sentiment_score":0.08905860874801874}],"sentiment":"neutral","sentiment_score":0.1473537352042434,"num_words":127,"start":2928.4548,"end":2968.4302},{"sentences":[{"text":"As long as you fully retire, if you keep working past 60 at 65, they will just allow you to access your super regardless of whether you're working or not.","start":2968.57,"end":2978.475,"sentiment":"neutral","sentiment_score":0.13400730962554613},{"text":"Yeah.","start":2980.955,"end":2981.455,"sentiment":"neutral","sentiment_score":0.09226082265377045},{"text":"Are you want are you wanting to sort of look at trying to retire earlier than that, or you think 60 would be the age?","start":2981.7551,"end":2988.0952,"sentiment":"neutral","sentiment_score":0.04718580584973097},{"text":"Yes.","start":2990.89,"end":2991.21,"sentiment":"neutral","sentiment_score":0.27446797490119934},{"text":"Yep.","start":2991.21,"end":2991.61,"sentiment":"neutral","sentiment_score":0.3147777020931244}],"sentiment":"neutral","sentiment_score":0.10140294714927159,"num_words":58,"start":2968.57,"end":2991.61},{"sentences":[{"text":"And, look, you absolutely can.","start":2991.61,"end":2993.21,"sentiment":"positive","sentiment_score":0.4474111258983612},{"text":"It's just about looking at ways to build wealth outside of Super, whether that be, you know, buying investment property and kind of build that up and sell it off or whether you invest in a investment portfolio outside of Super.","start":2993.21,"end":3004.03,"sentiment":"neutral","sentiment_score":0.2097931626002963},{"text":"You absolutely can look to retire earlier, but we just have to find ways to supplement the wealth and the income between 50 to 60.","start":3004.725,"end":3012.5852,"sentiment":"neutral","sentiment_score":0.18730639576911925},{"text":"Yeah.","start":3014.645,"end":3015.145,"sentiment":"neutral","sentiment_score":0.03303704783320427},{"text":"Absolutely.","start":3017.3,"end":3017.8,"sentiment":"neutral","sentiment_score":0.07273568212985992}],"sentiment":"neutral","sentiment_score":0.21406860164787672,"num_words":73,"start":2991.61,"end":3017.8},{"sentences":[{"text":"Yeah.","start":3018.26,"end":3018.5,"sentiment":"neutral","sentiment_score":0.08846917748451233},{"text":"And I just if that's something you wanna do, let us know.","start":3018.5,"end":3020.82,"sentiment":"neutral","sentiment_score":0.17877467349171638},{"text":"We can definitely help you out and talk to you and provide additional advice in those areas.","start":3020.82,"end":3024.82,"sentiment":"positive","sentiment_score":0.3786785742815803},{"text":"So, yeah, just have a chat about what your joint goals are.","start":3024.82,"end":3027.46,"sentiment":"neutral","sentiment_score":0.2353153017659982},{"text":"Absolutely.","start":3027.46,"end":3027.96,"sentiment":"neutral","sentiment_score":0.23238609731197357}],"sentiment":"neutral","sentiment_score":0.2727318776901378,"num_words":43,"start":3018.26,"end":3027.96},{"sentences":[{"text":"The only other thing I had here was that you guys were looking to save up for a new kitchen.","start":3029.5251,"end":3033.925,"sentiment":"neutral","sentiment_score":0.01125710243359208},{"text":"Has that kitchen been installed, or is that still on the list?","start":3033.925,"end":3037.145,"sentiment":"neutral","sentiment_score":-0.0031508817337453365},{"text":"No.","start":3040.3252,"end":3040.8252,"sentiment":"neutral","sentiment_score":-0.2647121548652649},{"text":"All absolutely.","start":3040.965,"end":3047.87,"sentiment":"neutral","sentiment_score":-0.32167668640613556},{"text":"And interest rates are going up again at the moment, so we wanna limit that as much as possible.","start":3048.25,"end":3052.75,"sentiment":"neutral","sentiment_score":-0.30080591926449224}],"sentiment":"neutral","sentiment_score":-0.11918604677474057,"num_words":54,"start":3029.5251,"end":3052.75},{"sentences":[{"text":"Yeah.","start":3052.9702,"end":3053.4702,"sentiment":"neutral","sentiment_score":0.0055562593042850494},{"text":"Absolutely.","start":3055.2651,"end":3055.7651,"sentiment":"neutral","sentiment_score":0.02008860930800438},{"text":"No.","start":3056.385,"end":3056.885,"sentiment":"neutral","sentiment_score":-0.05800643563270569},{"text":"All good.","start":3056.945,"end":3057.685,"sentiment":"neutral","sentiment_score":0.11949776858091354},{"text":"Essentially, from here, I'll just go back and do some research there for you.","start":3058.7852,"end":3062.705,"sentiment":"neutral","sentiment_score":0.10379890046481575}],"sentiment":"neutral","sentiment_score":0.08735887245520164,"num_words":19,"start":3052.9702,"end":3062.705},{"sentences":[{"text":"Well, I've got you I'll book you in now for the next two weeks so we can go through that advice document together.","start":3062.705,"end":3067.605,"sentiment":"neutral","sentiment_score":0.129788759285989},{"text":"I know you may be back at work in that two week period.","start":3068.31,"end":3071.37,"sentiment":"neutral","sentiment_score":0.029893365760262195},{"text":"When normally, when would be the best time to sort of go through things with you and have that chat?","start":3072.3901,"end":3077.61,"sentiment":"neutral","sentiment_score":0.05102391140535474},{"text":"Okay.","start":3081.305,"end":3081.805,"sentiment":"neutral","sentiment_score":0.019606973975896835},{"text":"Good.","start":3086.4248,"end":3086.9048,"sentiment":"neutral","sentiment_score":0.09623833000659944}],"sentiment":"neutral","sentiment_score":0.0777599784577715,"num_words":58,"start":3062.705,"end":3086.9048},{"sentences":[{"text":"Absolutely.","start":3086.9048,"end":3087.4048,"sentiment":"neutral","sentiment_score":0.2106042802333832},{"text":"Yep.","start":3088.105,"end":3088.605,"sentiment":"neutral","sentiment_score":0.16852597892284393},{"text":"So I have availability Monday the twentieth for you if you like.","start":3088.9849,"end":3093.805,"sentiment":"neutral","sentiment_score":0.13604241237044334},{"text":"I can do 5PM if that's okay.","start":3094.6702,"end":3097.8901,"sentiment":"neutral","sentiment_score":0.0902968698314258},{"text":"Perfect.","start":3100.9902,"end":3101.4902,"sentiment":"positive","sentiment_score":0.3918028473854065}],"sentiment":"neutral","sentiment_score":0.13797818835486064,"num_words":22,"start":3086.9048,"end":3101.4902},{"sentences":[{"text":"Yep.","start":3102.27,"end":3102.77,"sentiment":"neutral","sentiment_score":0.28562965989112854},{"text":"Perfect.","start":3103.1501,"end":3103.6501,"sentiment":"positive","sentiment_score":0.5092595219612122},{"text":"I'll book that one in there for you.","start":3104.1902,"end":3105.7102,"sentiment":"positive","sentiment_score":0.34016991406679153},{"text":"I'll add a little text message reminder because it is about two weeks away.","start":3105.7102,"end":3109.25,"sentiment":"neutral","sentiment_score":0.08071574861449855},{"text":"Sorry.","start":3110.2449,"end":3110.405,"sentiment":"neutral","sentiment_score":-0.012064814567565918}],"sentiment":"neutral","sentiment_score":0.18536816641688347,"num_words":25,"start":3102.27,"end":3110.405},{"sentences":[{"text":"The message will come out to let you know that you had we had you booked in for your advice presentation, and I'll give you a call at 5PM.","start":3110.405,"end":3117.205,"sentiment":"neutral","sentiment_score":0.0639254707714607},{"text":"We'll run through that.","start":3117.205,"end":3118.005,"sentiment":"neutral","sentiment_score":0.15996293351054192},{"text":"It won't take very long, and then you'll get to go back and have a really good read at the document.","start":3118.005,"end":3122.185,"sentiment":"neutral","sentiment_score":0.20581997505256108},{"text":"Okay?","start":3122.405,"end":3122.905,"sentiment":"neutral","sentiment_score":0.152991384267807},{"text":"That's okay.","start":3124.94,"end":3125.74,"sentiment":"neutral","sentiment_score":0.26328009366989136}],"sentiment":"neutral","sentiment_score":0.13149932340571754,"num_words":57,"start":3110.405,"end":3125.74},{"sentences":[{"text":"Not a problem.","start":3125.74,"end":3126.5398,"sentiment":"neutral","sentiment_score":0.1918626328309377},{"text":"I will let you go.","start":3126.5398,"end":3127.5,"sentiment":"neutral","sentiment_score":0.14987067878246307},{"text":"That's basically everything to go through and update there for you.","start":3127.5,"end":3130.72,"sentiment":"neutral","sentiment_score":0.18337562002918936},{"text":"I know I've gone through a fair bit and jumped around.","start":3130.94,"end":3133.66,"sentiment":"neutral","sentiment_score":0.04439293457703157},{"text":"Is there any additional questions that may have come out or anything else that I might not have touched on?","start":3133.66,"end":3138.72,"sentiment":"neutral","sentiment_score":0.04617175767198205}],"sentiment":"neutral","sentiment_score":0.095076610930264,"num_words":50,"start":3125.74,"end":3138.72},{"sentences":[{"text":"Been along?","start":3147.335,"end":3148.075,"sentiment":"neutral","sentiment_score":-0.14551236480474472},{"text":"Yeah.","start":3148.375,"end":3148.875,"sentiment":"neutral","sentiment_score":-0.03596184402704239},{"text":"Yep.","start":3148.935,"end":3149.435,"sentiment":"neutral","sentiment_score":-0.008060707710683346},{"text":"Yep.","start":3149.575,"end":3150.075,"sentiment":"neutral","sentiment_score":0.0005413561011664569},{"text":"Absolutely.","start":3151.175,"end":3151.675,"sentiment":"neutral","sentiment_score":0.0005393475294113159}],"sentiment":"neutral","sentiment_score":-0.055661096286106236,"num_words":6,"start":3147.335,"end":3151.675},{"sentences":[{"text":"Yeah.","start":3154.8,"end":3155.04,"sentiment":"neutral","sentiment_score":-0.06195136904716492},{"text":"No.","start":3155.04,"end":3155.54,"sentiment":"neutral","sentiment_score":-0.12350981682538986},{"text":"Absolutely.","start":3156.08,"end":3156.58,"sentiment":"neutral","sentiment_score":-0.04770886152982712},{"text":"Let's get you out of that and get your portfolio continuous working and compounding.","start":3156.7202,"end":3160.9001,"sentiment":"neutral","sentiment_score":0.00416830341730799},{"text":"We wanna get you the best possible retirement possible.","start":3161.04,"end":3163.7002,"sentiment":"neutral","sentiment_score":0.10286811366677284}],"sentiment":"neutral","sentiment_score":0.028884585516957138,"num_words":26,"start":3154.8,"end":3163.7002},{"sentences":[{"text":"Because, I mean, you've got a lot of working life ahead of you, but you also spend, you know, anywhere from twenty, thirty, or forty years in retirement.","start":3164.0,"end":3170.7048,"sentiment":"neutral","sentiment_score":-0.06423407693260483},{"text":"That's a long time to be retired.","start":3170.765,"end":3172.525,"sentiment":"neutral","sentiment_score":-0.15513481199741364},{"text":"The money needs to last as long as possible for you.","start":3172.525,"end":3175.1648,"sentiment":"neutral","sentiment_score":-0.039837340570308945},{"text":"So all good, Justin.","start":3175.1648,"end":3179.805,"sentiment":"positive","sentiment_score":0.5961522832512856},{"text":"Look.","start":3179.805,"end":3180.045,"sentiment":"positive","sentiment_score":0.5815666913986206}],"sentiment":"neutral","sentiment_score":-0.006990838430675806,"num_words":51,"start":3164.0,"end":3180.045},{"sentences":[{"text":"Thank you so much for your time.","start":3180.045,"end":3181.325,"sentiment":"positive","sentiment_score":0.8640149406024388},{"text":"It was honestly an absolute pleasure to chat to you today.","start":3181.325,"end":3184.2048,"sentiment":"positive","sentiment_score":0.9042990586974404},{"text":"I hope you have a really good week.","start":3184.2048,"end":3186.1,"sentiment":"positive","sentiment_score":0.7725311666727066},{"text":"The kids are all on school holidays with you.","start":3186.1,"end":3188.34,"sentiment":"neutral","sentiment_score":0.15331870896948707},{"text":"Or yes.","start":3188.34,"end":3192.28,"sentiment":"neutral","sentiment_score":0.06669310480356216}],"sentiment":"positive","sentiment_score":0.640240490637921,"num_words":37,"start":3180.045,"end":3192.28},{"sentences":[{"text":"Oh, look.","start":3195.3,"end":3195.78,"sentiment":"neutral","sentiment_score":0.17314766347408295},{"text":"That's not a bad thing.","start":3195.78,"end":3196.9,"sentiment":"positive","sentiment_score":0.4079034447669983},{"text":"Enjoy that time.","start":3196.9,"end":3198.2,"sentiment":"positive","sentiment_score":0.6571013927459717},{"text":"Oh, good, Dustin.","start":3202.095,"end":3202.975,"sentiment":"positive","sentiment_score":0.4368353982766469},{"text":"Well, I'll talk to you on the twentieth.","start":3202.975,"end":3204.335,"sentiment":"neutral","sentiment_score":0.1721401233226061}],"sentiment":"positive","sentiment_score":0.3354639957348506,"num_words":21,"start":3195.3,"end":3204.335},{"sentences":[{"text":"I'll do the ring test in the meantime.","start":3204.335,"end":3205.935,"sentiment":"neutral","sentiment_score":0.20633750036358833},{"text":"You have a lovely week, and I hope you have a good recovery.","start":3205.935,"end":3208.915,"sentiment":"positive","sentiment_score":0.6869017573503348},{"text":"And I'll talk to you soon.","start":3209.695,"end":3211.0752,"sentiment":"positive","sentiment_score":0.46622656285762787},{"text":"See you later.","start":3213.233,"end":3213.953,"sentiment":"positive","sentiment_score":0.43931064009666443},{"text":"Bye.","start":3213.953,"end":3214.453,"sentiment":"neutral","sentiment_score":-0.12539412081241608}],"sentiment":"positive","sentiment_score":0.47001032338988397,"num_words":31,"start":3204.335,"end":3214.453}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. Yourself? Yeah. That's fine. Yep. No. I had surgery last week, so I'm off for a couple of weeks. Yeah. Yeah. That's a My smile's steady. Yeah. Yeah. I've been reading like crazy and Yeah. Thank you. No. That's not Yeah. I've got it here. Yep. Dustin. 27 989. 102 Gaggen Road, Anna Bay 2316. Good morning. Please find. Attachments include yep. Okay. Hello? Yep. Yep. Trying to send it to. Yeah. Right now. What do I say? What did you say? 298 545? Yep. That's it. Yeah. That's what I'm looking at. Yep. Not at all. Yeah. It took a big hit a few months ago. Yeah. Is this under the different insurance summary, or is this a different one? Sorry. Oh, yeah. Performance. So, yeah, so it's all down the bottom. Download. Yeah. Okay. I'm in. Yeah. Well, I'll take a lost chopping and changing that one. Yes. Alright. Which one which one is this one we're talking about? Oh, yeah. The top one. See, I've got a fair bid in that. Oh, what's the 30 four what's the 34,000 there? The market value start period. Alright. Yeah. Okay. Alright. So what do you recommend? Just getting rid of that one? Look. I'm I'm kinda lost, to be honest. Look. I'm still young enough to to lose or play a bit risky, I believe. So I'm happy to keep maybe something a bit more aggressive or what what do you think? Mhmm. There's a lot there. Got it. Look. I'm I guess that's kinda why I'm paying you guys to manage this. Like, do you think it's the best thing for me moving forward? Let's just do it. Yeah. Let's do that. Yeah. Yeah. Let let's do that. Let's do that future projection and maybe one just to compare where I'm at now so I can Yep. Oh, okay. Cool. Alright. Yeah. Yeah. That sounds good. Yeah, please. What was the last piece of that, Wasn't it? I think last year I killed it. I ain't. Yeah. There's a lot going on happening in the world, I guess. Okay. Yes. Okay. No worries. Yep. Just to cover the remainder of your mortgage, really, which is far, far less than what I've got anyway. So down about $2.80 now. Yeah. That's with money in the offset, though. Tell you right now. Just let me log in. Where am I? Alright. So $3.76 is the current, and the availability is 93. Yep. Yeah. Yeah. Trying to stop for that. Couple of things to help in that. Yeah. Yes. Yeah. For now. Yeah. Is that a disability one? Yeah. Yeah. So that was what was that insured for? I forget. But it's saying, they might yeah. That's That's good to say the government get more of my money. Yeah. Yeah. So, yeah, I've gotta live off, what, 600 or $6,700. Yeah. What is what do people usually go for my age and my position? Like, am I in the normal parameters of what people have or yeah? Alright. Yeah. Yep. Mhmm. Okay. Yeah. Yeah. Yeah. I'll just, yeah, after all, I'm just doing a bit of research on my end at the moment too. Just like yeah. I'll I'll leave it as is. I'll leave it as is for now. Yeah. I think that's going alright. Sorry. Just going back to the bet along shares. So you're thinking of replacing it with something else, are you? Like, in dumb terms sort of just cashing in and then whatever I've got, redoing it, but somewhere else? So how much do I lose doing that? Alright. Okay. Yeah. Yeah. We'll do that so we change anything drastic. Yeah. Yeah. Okay. No worries. Sorry. I'm just sort of doing good. Yeah. Yeah. So it has it has dropped in the last couple of months, hasn't it? The last three months, that's been a long yeah. But there is a chance it could come back. Yeah. Did I what is that legal issue that they're going through? Is that alright. So that's is it what did you say? Corporate traveler management? So not CTD, just CT. Okay. Sorry. I'll just yep. Yep. Alright. So I'm just writing it down. I found it. I found it. It's that corporate travel travel management, a six three d d. Alright. Okay. So that's the one giving me grief. Say that again. Sorry. Yeah. So I can move out of Bennelong. Alright. No worries. I'll just write it down. Yep. Yeah. Okay. And that'll be about a week or two. Yeah. That's yeah. That sounds good. Yep. Okay. Awesome. We get we get being with the union, we get ACERT. So we get up to two years income protection. Yeah. So I think that's why I've never done that because that's all part of our union fees. Yeah. I think it's up to 85% of the wage. So I I know one of the boys, he got yeah. He got to buy a car or something on his bike, and he's been up eight months, and he's still getting, I think, $8,800 in the end every week. So yeah. Yeah. Yeah. No. No. I've only got, like, two two, three weeks off, and that's it. Yeah. Yeah. I've got another three weeks off, and yeah. Yeah. Yeah. Yeah. I'm just happy with that for now. I think I'll be right for the next couple of years at least. Yeah. No. You're alright. I'm just trying to sign this thing, but it's pretty hard to do on your phone. It doesn't. Why is it don't ring on crazy. Yeah. It's moving with the fan. Why is it done? Oh god. How is this? I'll just do it with the order. Order will do. Alright. No sign on. Hang on. Yep. Yeah. Still what about it. Still sits there though. Yeah. Yeah. It's still, yeah, it's still be around the $25. Yeah. The yeah. It's probably down about 35 maybe now. 40, somewhere. Yeah. I've got a different unit now, but, yeah, about the same cost. Yeah. That's that's up to about 93. That's up to that. Yeah. Yeah. That should be coming down every couple of grand every year for the next five years. So that should be down in the 12 or something by now, surely. No. That's that's it, really. I I did join BMX. I was gonna start trading, but I don't really know what I'm doing. So I'm gonna just leave it for now. Yeah. I thought cool. Awesome. Yeah. So it's good. Me now. We got married last year. So yep. So the same surname is mine. Yeah. Sorry. Can we have it all as just my surname now? Yeah. Yeah. Yeah. Changed the last their name and yeah. I'll stay in the for about a week today. No. Yeah. Okay. I she does not allow you guys. She probably reached out quickly. Yes. Definitely. No. Let's let's just leave it every three years just in case something happens. But, yeah, we'll leave it out for now. Yeah. We'll do that. Yep. Yeah. Take it off at the same time. Same thing. Pardon? Pardon? Say that again. Sorry. Email it to us, and then, yeah, I can do it all online then. Yeah. You should have that done being through to now. Just did it. I assigned request with this one. Yep. Oh, we're going to do a wheel. Yeah. I we just got lost in the whole processing, and we just want to have them simple and easy to to do, to be honest. Yeah. Can you do that for us, please? Yeah. That that is one thing we've they've been in been in to. That's the someone last year, but it's still you can go even higher risk, But they said maybe just leave it as is for now. So I'll say higher risk. Yes. Yep. No. I'll leave it as is for now for the time being. A little bit more overtime. I got cleared to 10 or something this year. Yeah. Five and a half percent, I think it was, or 5%. Yeah. Yeah. Yeah. Leave it as is. Yeah. Look. But I make good pays. I you know, I put $500,000 away. Yeah. Sort of monthly. So, yeah, still safe. Just a bit of stuff issue, holidays, marriage, all that crap. Yeah. Yes. Yes. So that the mortgage paid off and that's why there's and, yeah, what part that's got overall super, so it might be a bit different. Yeah. Yeah. What is with the Superb, what where am I allowed to take it? Yeah. Okay. No worries. Oh, okay. Oh, yeah. That'd be a bit better. It'd be good to retire in this year. Year. Yeah. Yeah. Well, that's not talk to my partner about. Yeah. You're a long list. Yeah. Yeah. I honestly don't wanna spend it because the money I spend at the offset, the more I end up paying back on the mortgage. So Think I'm still off for two weeks today. So if we can get it some like, probably the Monday or Tuesday in in a fortnight or Wednesday. Yeah. Yeah. Yeah. That's that's pretty late enough. I'll I'll still be at home. Awesome. Thank you. No. That's it. I think the biggest one was just moving out of the whatever it was that funds penalized. K. So instead of that one. Yeah. Car. Definitely. Yeah. They're all at push and yeah. Yeah. About a dozen. So at home by myself at the moment. You do. Thank you very much. Okay. Bye. 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Good. Thanks. Yourself? Yeah.\n\nThat's fine. Yep. No. I had surgery last week, so I'm off for a couple of weeks. Yeah.\n\nYeah. That's a My smile's steady. Yeah. Yeah. I've been reading like crazy and Yeah.\n\nThank you. No. That's not Yeah. I've got it here. Yep.\n\nDustin. 27 989. 102 Gaggen Road, Anna Bay 2316. Good morning. Please find.\n\nAttachments include yep. Okay. Hello? Yep. Yep.\n\nTrying to send it to. Yeah. Right now. What do I say? What did you say?\n\n298 545? Yep. That's it. Yeah. That's what I'm looking at.\n\nYep. Not at all. Yeah. It took a big hit a few months ago. Yeah.\n\nIs this under the different insurance summary, or is this a different one? Sorry. Oh, yeah. Performance. So, yeah, so it's all down the bottom.\n\nDownload. Yeah. Okay. I'm in. Yeah.\n\nWell, I'll take a lost chopping and changing that one. Yes. Alright. Which one which one is this one we're talking about? Oh, yeah.\n\nThe top one. See, I've got a fair bid in that. Oh, what's the 30 four what's the 34,000 there? The market value start period. Alright.\n\nYeah. Okay. Alright. So what do you recommend? Just getting rid of that one?\n\nLook. I'm I'm kinda lost, to be honest. Look. I'm still young enough to to lose or play a bit risky, I believe. So I'm happy to keep maybe something a bit more aggressive or what what do you think?\n\nMhmm. There's a lot there. Got it. Look. I'm I guess that's kinda why I'm paying you guys to manage this.\n\nLike, do you think it's the best thing for me moving forward? Let's just do it. Yeah. Let's do that. Yeah.\n\nYeah. Let let's do that. Let's do that future projection and maybe one just to compare where I'm at now so I can Yep. Oh, okay. Cool.\n\nAlright. Yeah. Yeah. That sounds good. Yeah, please.\n\nWhat was the last piece of that, Wasn't it? I think last year I killed it. I ain't. Yeah. There's a lot going on happening in the world, I guess.\n\nOkay. Yes. Okay. No worries. Yep.\n\nJust to cover the remainder of your mortgage, really, which is far, far less than what I've got anyway. So down about $2.80 now. Yeah. That's with money in the offset, though. Tell you right now.\n\nJust let me log in. Where am I? Alright. So $3.76 is the current, and the availability is 93. Yep.\n\nYeah. Yeah. Trying to stop for that. Couple of things to help in that. Yeah.\n\nYes. Yeah. For now. Yeah. Is that a disability one?\n\nYeah. Yeah. So that was what was that insured for? I forget. But it's saying, they might yeah.\n\nThat's That's good to say the government get more of my money. Yeah. Yeah. So, yeah, I've gotta live off, what, 600 or $6,700. Yeah.\n\nWhat is what do people usually go for my age and my position? Like, am I in the normal parameters of what people have or yeah? Alright. Yeah. Yep.\n\nMhmm. Okay. Yeah. Yeah. Yeah.\n\nI'll just, yeah, after all, I'm just doing a bit of research on my end at the moment too. Just like yeah. I'll I'll leave it as is. I'll leave it as is for now. Yeah.\n\nI think that's going alright. Sorry. Just going back to the bet along shares. So you're thinking of replacing it with something else, are you? Like, in dumb terms sort of just cashing in and then whatever I've got, redoing it, but somewhere else?\n\nSo how much do I lose doing that? Alright. Okay. Yeah. Yeah.\n\nWe'll do that so we change anything drastic. Yeah. Yeah. Okay. No worries.\n\nSorry. I'm just sort of doing good. Yeah. Yeah. So it has it has dropped in the last couple of months, hasn't it?\n\nThe last three months, that's been a long yeah. But there is a chance it could come back. Yeah. Did I what is that legal issue that they're going through? Is that alright.\n\nSo that's is it what did you say? Corporate traveler management? So not CTD, just CT. Okay. Sorry.\n\nI'll just yep. Yep. Alright. So I'm just writing it down. I found it.\n\nI found it. It's that corporate travel travel management, a six three d d. Alright. Okay. So that's the one giving me grief.\n\nSay that again. Sorry. Yeah. So I can move out of Bennelong. Alright.\n\nNo worries. I'll just write it down. Yep. Yeah. Okay.\n\nAnd that'll be about a week or two. Yeah. That's yeah. That sounds good. Yep.\n\nOkay. Awesome. We get we get being with the union, we get ACERT. So we get up to two years income protection. Yeah.\n\nSo I think that's why I've never done that because that's all part of our union fees. Yeah. I think it's up to 85% of the wage. So I I know one of the boys, he got yeah. He got to buy a car or something on his bike, and he's been up eight months, and he's still getting, I think, $8,800 in the end every week.\n\nSo yeah. Yeah. Yeah. No. No.\n\nI've only got, like, two two, three weeks off, and that's it. Yeah. Yeah. I've got another three weeks off, and yeah. Yeah.\n\nYeah. Yeah. I'm just happy with that for now. I think I'll be right for the next couple of years at least. Yeah.\n\nNo. You're alright. I'm just trying to sign this thing, but it's pretty hard to do on your phone. It doesn't. Why is it don't ring on crazy.\n\nYeah. It's moving with the fan. Why is it done? Oh god. How is this?\n\nI'll just do it with the order. Order will do. Alright. No sign on. Hang on.\n\nYep. Yeah. Still what about it. Still sits there though. Yeah.\n\nYeah. It's still, yeah, it's still be around the $25. Yeah. The yeah. It's probably down about 35 maybe now.\n\n40, somewhere. Yeah. I've got a different unit now, but, yeah, about the same cost. Yeah. That's that's up to about 93.\n\nThat's up to that. Yeah. Yeah. That should be coming down every couple of grand every year for the next five years. So that should be down in the 12 or something by now, surely.\n\nNo. That's that's it, really. I I did join BMX. I was gonna start trading, but I don't really know what I'm doing. So I'm gonna just leave it for now.\n\nYeah. I thought cool. Awesome. Yeah. So it's good.\n\nMe now. We got married last year. So yep. So the same surname is mine. Yeah.\n\nSorry. Can we have it all as just my surname now? Yeah. Yeah. Yeah.\n\nChanged the last their name and yeah. I'll stay in the for about a week today. No. Yeah. Okay.\n\nI she does not allow you guys. She probably reached out quickly. Yes. Definitely. No.\n\nLet's let's just leave it every three years just in case something happens. But, yeah, we'll leave it out for now. Yeah. We'll do that. Yep.\n\nYeah. Take it off at the same time. Same thing. Pardon? Pardon?\n\nSay that again. Sorry. Email it to us, and then, yeah, I can do it all online then. Yeah. You should have that done being through to now.\n\nJust did it. I assigned request with this one. Yep. Oh, we're going to do a wheel. Yeah.\n\nI we just got lost in the whole processing, and we just want to have them simple and easy to to do, to be honest. Yeah. Can you do that for us, please? Yeah. That that is one thing we've they've been in been in to.\n\nThat's the someone last year, but it's still you can go even higher risk, But they said maybe just leave it as is for now. So I'll say higher risk. Yes. Yep. No.\n\nI'll leave it as is for now for the time being. A little bit more overtime. I got cleared to 10 or something this year. Yeah. Five and a half percent, I think it was, or 5%.\n\nYeah. Yeah. Yeah. Leave it as is. Yeah.\n\nLook. But I make good pays. I you know, I put $500,000 away. Yeah. Sort of monthly.\n\nSo, yeah, still safe. Just a bit of stuff issue, holidays, marriage, all that crap. Yeah. Yes. Yes.\n\nSo that the mortgage paid off and that's why there's and, yeah, what part that's got overall super, so it might be a bit different. Yeah. Yeah. What is with the Superb, what where am I allowed to take it? Yeah.\n\nOkay. No worries. Oh, okay. Oh, yeah. That'd be a bit better.\n\nIt'd be good to retire in this year. Year. Yeah. Yeah. Well, that's not talk to my partner about.\n\nYeah. You're a long list. Yeah. Yeah. I honestly don't wanna spend it because the money I spend at the offset, the more I end up paying back on the mortgage.\n\nSo Think I'm still off for two weeks today. So if we can get it some like, probably the Monday or Tuesday in in a fortnight or Wednesday. Yeah. Yeah. Yeah.\n\nThat's that's pretty late enough. I'll I'll still be at home. Awesome. Thank you. No.\n\nThat's it. I think the biggest one was just moving out of the whatever it was that funds penalized. K. So instead of that one. Yeah.\n\nCar. Definitely. Yeah. They're all at push and yeah. Yeah.\n\nAbout a dozen. So at home by myself at the moment. You do. Thank you very much. Okay.\n\nBye. Have a good day.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.02946080267429352},{"text":"Good.","start":5.6,"end":5.8399997,"sentiment":"positive","sentiment_score":0.5132614374160767},{"text":"Thanks.","start":5.8399997,"end":6.16,"sentiment":"positive","sentiment_score":0.5592910647392273},{"text":"Yourself?","start":6.16,"end":6.66,"sentiment":"positive","sentiment_score":0.35239502787590027},{"text":"Yeah.","start":13.28,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.07828202843666077}],"sentiment":"neutral","sentiment_score":0.3065380722284317,"num_words":5,"start":0.39999998,"end":13.5199995},{"sentences":[{"text":"That's fine.","start":13.5199995,"end":14.24,"sentiment":"neutral","sentiment_score":0.13615379482507706},{"text":"Yep.","start":14.24,"end":14.535,"sentiment":"neutral","sentiment_score":0.1776464879512787},{"text":"No.","start":20.375,"end":20.615,"sentiment":"neutral","sentiment_score":-0.1880153715610504},{"text":"I had surgery last week, so I'm off for a couple of weeks.","start":20.615,"end":23.595,"sentiment":"neutral","sentiment_score":-0.18209486626661742},{"text":"Yeah.","start":24.134998,"end":24.634998,"sentiment":"neutral","sentiment_score":-0.008606026880443096}],"sentiment":"neutral","sentiment_score":-0.11743892123922706,"num_words":18,"start":13.5199995,"end":24.634998},{"sentences":[{"text":"Yeah.","start":25.335,"end":25.575,"sentiment":"neutral","sentiment_score":0.032097987830638885},{"text":"That's a My smile's 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here.","start":54.785,"end":55.925,"sentiment":"neutral","sentiment_score":0.0724056949838996},{"text":"Yep.","start":64.9,"end":65.4,"sentiment":"neutral","sentiment_score":0.09544145315885544}],"sentiment":"neutral","sentiment_score":-0.011882864954796705,"num_words":11,"start":41.4,"end":65.4},{"sentences":[{"text":"Dustin.","start":72.854996,"end":73.354996,"sentiment":"neutral","sentiment_score":0.08609098196029663},{"text":"27 989.","start":74.375,"end":76.23499,"sentiment":"neutral","sentiment_score":0.013700628187507391},{"text":"102 Gaggen Road, Anna Bay 2316.","start":76.295,"end":79.19499,"sentiment":"neutral","sentiment_score":0.01802199784045418},{"text":"Good morning.","start":103.155,"end":103.815,"sentiment":"neutral","sentiment_score":0.07916142418980598},{"text":"Please find.","start":103.875,"end":104.695,"sentiment":"neutral","sentiment_score":0.04004894942045212}],"sentiment":"neutral","sentiment_score":0.035388074815273285,"num_words":13,"start":72.854996,"end":104.695},{"sentences":[{"text":"Attachments include yep.","start":113.68,"end":116.58,"sentiment":"neutral","sentiment_score":0.03345704451203346},{"text":"Okay.","start":116.96,"end":117.46,"sentiment":"neutral","sentiment_score":0.1269984394311905},{"text":"Hello?","start":121.68,"end":122.18,"sentiment":"neutral","sentiment_score":0.026363980025053024},{"text":"Yep.","start":122.240005,"end":122.740005,"sentiment":"neutral","sentiment_score":0.016856741160154343},{"text":"Yep.","start":125.200005,"end":125.700005,"sentiment":"neutral","sentiment_score":0.14836910367012024}],"sentiment":"neutral","sentiment_score":0.05985134254608836,"num_words":7,"start":113.68,"end":125.700005},{"sentences":[{"text":"Trying to send it to.","start":129.515,"end":130.815,"sentiment":"neutral","sentiment_score":0.1998835951089859},{"text":"Yeah.","start":140.14,"end":140.22,"sentiment":"neutral","sentiment_score":0.04512310028076172},{"text":"Right now.","start":140.22,"end":144.40001,"sentiment":"neutral","sentiment_score":0.022819935344159603},{"text":"What do I say?","start":144.54001,"end":145.76001,"sentiment":"neutral","sentiment_score":-0.0066584734013304114},{"text":"What did you say?","start":145.82,"end":146.88,"sentiment":"neutral","sentiment_score":-0.005960570881143212}],"sentiment":"neutral","sentiment_score":0.06498154808650725,"num_words":16,"start":129.515,"end":146.88},{"sentences":[{"text":"298 545?","start":147.34001,"end":149.28,"sentiment":"neutral","sentiment_score":0.00318296835757792},{"text":"Yep.","start":151.02,"end":151.34001,"sentiment":"neutral","sentiment_score":0.04574878513813019},{"text":"That's it.","start":151.34001,"end":151.66,"sentiment":"neutral","sentiment_score":0.0539522860199213},{"text":"Yeah.","start":151.66,"end":151.90001,"sentiment":"neutral","sentiment_score":0.07548196613788605},{"text":"That's what I'm looking at.","start":151.90001,"end":153.045,"sentiment":"neutral","sentiment_score":0.09612119644880295}],"sentiment":"neutral","sentiment_score":0.06510065838863904,"num_words":11,"start":147.34001,"end":153.045},{"sentences":[{"text":"Yep.","start":162.165,"end":162.325,"sentiment":"neutral","sentiment_score":0.11699527502059937},{"text":"Not at all.","start":162.325,"end":163.22499,"sentiment":"neutral","sentiment_score":0.028110686068733532},{"text":"Yeah.","start":199.25,"end":199.56999,"sentiment":"neutral","sentiment_score":-0.031942714005708694},{"text":"It took a big hit a few months ago.","start":199.56999,"end":201.375,"sentiment":"neutral","sentiment_score":-0.06912770039505428},{"text":"Yeah.","start":209.695,"end":210.195,"sentiment":"neutral","sentiment_score":-0.017550082877278328}],"sentiment":"neutral","sentiment_score":-0.03135431781411171,"num_words":15,"start":162.165,"end":210.195},{"sentences":[{"text":"Is this under the different insurance summary, or is this a different one?","start":212.575,"end":216.46,"sentiment":"neutral","sentiment_score":-0.039761763639174975},{"text":"Sorry.","start":216.92,"end":217.42,"sentiment":"neutral","sentiment_score":-0.09311844408512115},{"text":"Oh, yeah.","start":219.8,"end":220.36,"sentiment":"neutral","sentiment_score":0.0373555775731802},{"text":"Performance.","start":220.36,"end":220.86,"sentiment":"neutral","sentiment_score":0.02767510712146759},{"text":"So, yeah, so it's all down the bottom.","start":221.16,"end":222.62,"sentiment":"neutral","sentiment_score":0.034027498215436935}],"sentiment":"neutral","sentiment_score":-0.009416604936122895,"num_words":25,"start":212.575,"end":222.62},{"sentences":[{"text":"Download.","start":224.44,"end":224.94,"sentiment":"neutral","sentiment_score":0.10636018216609956},{"text":"Yeah.","start":227.985,"end":228.30501,"sentiment":"neutral","sentiment_score":0.09547848999500276},{"text":"Okay.","start":228.30501,"end":228.80501,"sentiment":"neutral","sentiment_score":0.14781704545021057},{"text":"I'm in.","start":229.505,"end":230.16501,"sentiment":"neutral","sentiment_score":0.19211751222610474},{"text":"Yeah.","start":330.565,"end":330.965,"sentiment":"neutral","sentiment_score":-0.03822652250528336}],"sentiment":"neutral","sentiment_score":0.11594403659303983,"num_words":6,"start":224.44,"end":330.965},{"sentences":[{"text":"Well, I'll take a lost chopping and changing that one.","start":330.965,"end":334.105,"sentiment":"neutral","sentiment_score":-0.06641016416251659},{"text":"Yes.","start":367.09,"end":367.59,"sentiment":"neutral","sentiment_score":-0.1308058798313141},{"text":"Alright.","start":379.505,"end":379.825,"sentiment":"neutral","sentiment_score":-0.0051578981801867485},{"text":"Which one which one is this one we're talking about?","start":379.825,"end":382.325,"sentiment":"neutral","sentiment_score":0.007579774223268032},{"text":"Oh, yeah.","start":387.42502,"end":387.98502,"sentiment":"neutral","sentiment_score":0.023823603987693787}],"sentiment":"neutral","sentiment_score":-0.028192519559524953,"num_words":24,"start":330.965,"end":387.98502},{"sentences":[{"text":"The top one.","start":387.98502,"end":388.92,"sentiment":"neutral","sentiment_score":0.02448913703362147},{"text":"See, I've got a fair bid in that.","start":389.08002,"end":390.86002,"sentiment":"neutral","sentiment_score":0.03680607199203223},{"text":"Oh, what's the 30 four what's the 34,000 there?","start":398.84003,"end":402.7,"sentiment":"neutral","sentiment_score":-0.026632557519608073},{"text":"The market value start period.","start":404.345,"end":406.365,"sentiment":"neutral","sentiment_score":-0.02000792734324932},{"text":"Alright.","start":407.545,"end":408.045,"sentiment":"neutral","sentiment_score":-0.007816984318196774}],"sentiment":"neutral","sentiment_score":0.0007833210894694695,"num_words":26,"start":387.98502,"end":408.045},{"sentences":[{"text":"Yeah.","start":419.74,"end":420.24,"sentiment":"neutral","sentiment_score":-0.049609292298555374},{"text":"Okay.","start":443.515,"end":444.015,"sentiment":"neutral","sentiment_score":-0.0349305234849453},{"text":"Alright.","start":444.075,"end":444.475,"sentiment":"neutral","sentiment_score":-0.039768606424331665},{"text":"So what do you recommend?","start":444.475,"end":445.455,"sentiment":"neutral","sentiment_score":-0.05249554440379143},{"text":"Just getting rid of that one?","start":445.755,"end":447.15,"sentiment":"neutral","sentiment_score":-0.15049748122692108}],"sentiment":"neutral","sentiment_score":-0.09212650225630828,"num_words":14,"start":419.74,"end":447.15},{"sentences":[{"text":"Look.","start":571.875,"end":572.115,"sentiment":"neutral","sentiment_score":-0.07647508382797241},{"text":"I'm I'm kinda lost, to be honest.","start":572.115,"end":573.89496,"sentiment":"neutral","sentiment_score":-0.24197374497141158},{"text":"Look.","start":574.435,"end":574.595,"sentiment":"neutral","sentiment_score":-0.18844980001449585},{"text":"I'm still young enough to to lose or play a bit risky, I believe.","start":574.595,"end":579.87,"sentiment":"neutral","sentiment_score":-0.2048616824405534},{"text":"So I'm happy to keep maybe something a bit more aggressive or what what do you think?","start":581.93,"end":587.87,"sentiment":"neutral","sentiment_score":0.07836620641105316}],"sentiment":"neutral","sentiment_score":-0.08736447859555482,"num_words":40,"start":571.875,"end":587.87},{"sentences":[{"text":"Mhmm.","start":704.85,"end":705.35,"sentiment":"neutral","sentiment_score":0.1618916541337967},{"text":"There's a lot there.","start":727.90497,"end":729.125,"sentiment":"neutral","sentiment_score":-0.04234181251376867},{"text":"Got it.","start":729.75995,"end":730.5,"sentiment":"neutral","sentiment_score":0.04972683824598789},{"text":"Look.","start":731.36,"end":731.68,"sentiment":"neutral","sentiment_score":0.054455578327178955},{"text":"I'm I guess that's kinda why I'm paying you guys to manage this.","start":731.68,"end":736.0,"sentiment":"neutral","sentiment_score":0.07387407811788413}],"sentiment":"neutral","sentiment_score":0.05270460354430335,"num_words":21,"start":704.85,"end":736.0},{"sentences":[{"text":"Like, do you think it's the best thing for me moving forward?","start":736.0,"end":739.86,"sentiment":"positive","sentiment_score":0.34060058494408924},{"text":"Let's just do it.","start":739.92,"end":741.06,"sentiment":"neutral","sentiment_score":0.21484097838401794},{"text":"Yeah.","start":754.415,"end":754.81494,"sentiment":"neutral","sentiment_score":0.13664206862449646},{"text":"Let's do that.","start":754.81494,"end":755.795,"sentiment":"neutral","sentiment_score":0.16200856864452362},{"text":"Yeah.","start":808.7,"end":809.2,"sentiment":"neutral","sentiment_score":0.26646891236305237}],"sentiment":"neutral","sentiment_score":0.27789083903744105,"num_words":21,"start":736.0,"end":809.2},{"sentences":[{"text":"Yeah.","start":810.06,"end":810.46,"sentiment":"neutral","sentiment_score":0.137659952044487},{"text":"Let let's do that.","start":810.46,"end":811.42004,"sentiment":"neutral","sentiment_score":0.10894747078418732},{"text":"Let's do that future projection and maybe one just to compare where I'm at now so I can Yep.","start":811.42004,"end":824.175,"sentiment":"neutral","sentiment_score":0.09041245262089528},{"text":"Oh, okay.","start":826.235,"end":826.875,"sentiment":"neutral","sentiment_score":0.23019820451736453},{"text":"Cool.","start":826.875,"end":827.375,"sentiment":"positive","sentiment_score":0.34261786937713623}],"sentiment":"neutral","sentiment_score":0.1146037301255597,"num_words":27,"start":810.06,"end":827.375},{"sentences":[{"text":"Alright.","start":827.595,"end":828.095,"sentiment":"neutral","sentiment_score":0.2665681838989258},{"text":"Yeah.","start":849.615,"end":850.115,"sentiment":"neutral","sentiment_score":0.061909694224596024},{"text":"Yeah.","start":850.575,"end":850.815,"sentiment":"neutral","sentiment_score":0.07522166520357132},{"text":"That sounds good.","start":850.815,"end":851.795,"sentiment":"neutral","sentiment_score":0.32058873275915784},{"text":"Yeah, please.","start":892.76,"end":893.58,"sentiment":"neutral","sentiment_score":0.05565647780895233}],"sentiment":"neutral","sentiment_score":0.1845973371528089,"num_words":8,"start":827.595,"end":893.58},{"sentences":[{"text":"What was the last piece of that, Wasn't it?","start":922.87,"end":929.915,"sentiment":"neutral","sentiment_score":0.06578714069392946},{"text":"I think last year I killed it.","start":929.915,"end":931.27496,"sentiment":"neutral","sentiment_score":-0.2616621809346335},{"text":"I ain't.","start":931.27496,"end":931.855,"sentiment":"negative","sentiment_score":-0.42504847049713135},{"text":"Yeah.","start":955.225,"end":955.46497,"sentiment":"neutral","sentiment_score":-0.02026453986763954},{"text":"There's a lot going on happening in the world, I guess.","start":955.46497,"end":957.565,"sentiment":"neutral","sentiment_score":-0.011803183365951885}],"sentiment":"neutral","sentiment_score":-0.07465824993948142,"num_words":30,"start":922.87,"end":957.565},{"sentences":[{"text":"Okay.","start":1064.555,"end":1065.055,"sentiment":"neutral","sentiment_score":0.02516345866024494},{"text":"Yes.","start":1065.435,"end":1065.935,"sentiment":"neutral","sentiment_score":0.13854165375232697},{"text":"Okay.","start":1077.31,"end":1077.79,"sentiment":"neutral","sentiment_score":0.04895303398370743},{"text":"No worries.","start":1077.79,"end":1078.53,"sentiment":"neutral","sentiment_score":0.1490454077720642},{"text":"Yep.","start":1102.2599,"end":1102.7599,"sentiment":"neutral","sentiment_score":-0.022738998755812645}],"sentiment":"neutral","sentiment_score":0.08133499386409919,"num_words":6,"start":1064.555,"end":1102.7599},{"sentences":[{"text":"Just to cover the remainder of your mortgage, really, which is far, far less than what I've got anyway.","start":1112.755,"end":1119.015,"sentiment":"neutral","sentiment_score":0.02299571272573973},{"text":"So down about $2.80 now.","start":1119.075,"end":1128.6001,"sentiment":"neutral","sentiment_score":0.00811647530645132},{"text":"Yeah.","start":1131.14,"end":1131.4601,"sentiment":"neutral","sentiment_score":0.07095004618167877},{"text":"That's with money in the offset, though.","start":1131.4601,"end":1133.3201,"sentiment":"neutral","sentiment_score":0.03268562576600483},{"text":"Tell you right now.","start":1137.625,"end":1138.345,"sentiment":"neutral","sentiment_score":0.010623584501445293}],"sentiment":"neutral","sentiment_score":0.022770685635300145,"num_words":36,"start":1112.755,"end":1138.345},{"sentences":[{"text":"Just let me log in.","start":1138.345,"end":1139.5651,"sentiment":"neutral","sentiment_score":0.015015693753957749},{"text":"Where am I?","start":1148.96,"end":1150.02,"sentiment":"neutral","sentiment_score":0.0033250775498648486},{"text":"Alright.","start":1150.08,"end":1150.58,"sentiment":"neutral","sentiment_score":0.012189287692308426},{"text":"So $3.76 is the current, and the availability is 93.","start":1151.28,"end":1157.06,"sentiment":"neutral","sentiment_score":0.012835215870290994},{"text":"Yep.","start":1165.215,"end":1165.6951,"sentiment":"neutral","sentiment_score":0.030232368037104607}],"sentiment":"neutral","sentiment_score":0.012791375792585314,"num_words":20,"start":1138.345,"end":1165.6951},{"sentences":[{"text":"Yeah.","start":1165.6951,"end":1166.015,"sentiment":"neutral","sentiment_score":0.028457965701818463},{"text":"Yeah.","start":1166.015,"end":1166.3351,"sentiment":"neutral","sentiment_score":0.016513606533408165},{"text":"Trying to stop for that.","start":1166.3351,"end":1167.715,"sentiment":"neutral","sentiment_score":0.0027963809669017793},{"text":"Couple of things to help in 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one?","start":1208.27,"end":1209.89,"sentiment":"neutral","sentiment_score":0.0013823207467794415}],"sentiment":"neutral","sentiment_score":0.03401149045675993,"num_words":10,"start":1188.625,"end":1209.89},{"sentences":[{"text":"Yeah.","start":1211.7899,"end":1212.27,"sentiment":"neutral","sentiment_score":0.019083769991993904},{"text":"Yeah.","start":1212.27,"end":1212.735,"sentiment":"neutral","sentiment_score":0.01399229746311903},{"text":"So that was what was that insured for?","start":1213.295,"end":1215.4551,"sentiment":"neutral","sentiment_score":-0.01208256813697517},{"text":"I forget.","start":1215.4551,"end":1216.115,"sentiment":"neutral","sentiment_score":-0.04264041222631931},{"text":"But it's saying, they might yeah.","start":1221.215,"end":1223.0549,"sentiment":"neutral","sentiment_score":-0.012006637174636126}],"sentiment":"neutral","sentiment_score":-0.012272506952285767,"num_words":18,"start":1211.7899,"end":1223.0549},{"sentences":[{"text":"That's That's good to say the government get more of my money.","start":1223.0549,"end":1274.625,"sentiment":"neutral","sentiment_score":0.044965526554733515},{"text":"Yeah.","start":1287.98,"end":1288.48,"sentiment":"negative","sentiment_score":-0.4822346270084381},{"text":"Yeah.","start":1323.4551,"end":1323.9551,"sentiment":"neutral","sentiment_score":-0.04989224672317505},{"text":"So, yeah, I've gotta live off, what, 600 or $6,700.","start":1376.485,"end":1380.6,"sentiment":"neutral","sentiment_score":0.01701947352848947},{"text":"Yeah.","start":1383.32,"end":1383.82,"sentiment":"neutral","sentiment_score":0.06173696368932724}],"sentiment":"neutral","sentiment_score":0.009575645755976438,"num_words":25,"start":1223.0549,"end":1383.82},{"sentences":[{"text":"What is what do people usually go for my age and my position?","start":1399.335,"end":1404.715,"sentiment":"neutral","sentiment_score":-0.0021040865148489294},{"text":"Like, am I in the normal parameters of what people have or yeah?","start":1406.0549,"end":1413.7001,"sentiment":"neutral","sentiment_score":0.0050496193938530404},{"text":"Alright.","start":1423.6951,"end":1424.1951,"sentiment":"neutral","sentiment_score":0.1637463420629501},{"text":"Yeah.","start":1442.15,"end":1442.65,"sentiment":"neutral","sentiment_score":0.14715370535850525},{"text":"Yep.","start":1458.085,"end":1458.585,"sentiment":"neutral","sentiment_score":0.1257733553647995}],"sentiment":"neutral","sentiment_score":0.016378114834941667,"num_words":29,"start":1399.335,"end":1458.585},{"sentences":[{"text":"Mhmm.","start":1488.08,"end":1488.58,"sentiment":"neutral","sentiment_score":0.0076364269480109215},{"text":"Okay.","start":1488.72,"end":1489.22,"sentiment":"neutral","sentiment_score":0.08094149827957153},{"text":"Yeah.","start":1493.0399,"end":1493.44,"sentiment":"neutral","sentiment_score":0.10115744173526764},{"text":"Yeah.","start":1493.44,"end":1493.94,"sentiment":"neutral","sentiment_score":0.0947227030992508},{"text":"Yeah.","start":1494.0,"end":1494.5,"sentiment":"neutral","sentiment_score":0.1045900285243988}],"sentiment":"neutral","sentiment_score":0.07780961971729994,"num_words":5,"start":1488.08,"end":1494.5},{"sentences":[{"text":"I'll just, yeah, after all, I'm just doing a bit of research on my end at the moment too.","start":1495.28,"end":1499.4451,"sentiment":"neutral","sentiment_score":0.0819383100851586},{"text":"Just like yeah.","start":1500.4651,"end":1501.925,"sentiment":"neutral","sentiment_score":0.20732098569472632},{"text":"I'll I'll leave it as is.","start":1512.3899,"end":1513.6699,"sentiment":"neutral","sentiment_score":0.05710804710785548},{"text":"I'll leave it as is for now.","start":1513.6699,"end":1515.37,"sentiment":"neutral","sentiment_score":0.05564895325473377},{"text":"Yeah.","start":1517.51,"end":1517.83,"sentiment":"neutral","sentiment_score":0.09211596846580504}],"sentiment":"neutral","sentiment_score":0.08341938257217407,"num_words":36,"start":1495.28,"end":1517.83},{"sentences":[{"text":"I think that's going alright.","start":1517.83,"end":1519.5299,"sentiment":"neutral","sentiment_score":0.16258077323436737},{"text":"Sorry.","start":1625.085,"end":1625.565,"sentiment":"neutral","sentiment_score":-0.04210277274250984},{"text":"Just going back to the bet along shares.","start":1625.565,"end":1627.745,"sentiment":"neutral","sentiment_score":-0.004682123544625938},{"text":"So you're thinking of replacing it with something else, are you?","start":1629.965,"end":1633.2,"sentiment":"neutral","sentiment_score":0.01076762852343646},{"text":"Like, in dumb terms sort of just cashing in and then whatever I've got, redoing it, but somewhere else?","start":1634.2999,"end":1642.64,"sentiment":"neutral","sentiment_score":-0.04111475659240233}],"sentiment":"neutral","sentiment_score":0.0016047191721471872,"num_words":44,"start":1517.83,"end":1642.64},{"sentences":[{"text":"So how much do I lose doing that?","start":1643.26,"end":1645.905,"sentiment":"neutral","sentiment_score":-0.1209581601433456},{"text":"Alright.","start":1665.18,"end":1665.68,"sentiment":"neutral","sentiment_score":0.010812733322381972},{"text":"Okay.","start":1668.78,"end":1669.28,"sentiment":"neutral","sentiment_score":0.007734578102827072},{"text":"Yeah.","start":1697.58,"end":1697.8999,"sentiment":"neutral","sentiment_score":0.02061922661960125},{"text":"Yeah.","start":1697.8999,"end":1698.14,"sentiment":"neutral","sentiment_score":0.027589289471507072}],"sentiment":"neutral","sentiment_score":-0.07507578780253728,"num_words":12,"start":1643.26,"end":1698.14},{"sentences":[{"text":"We'll do that so we change anything 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back.","start":1734.025,"end":1736.205,"sentiment":"neutral","sentiment_score":-0.08700701283911864},{"text":"Yeah.","start":1836.375,"end":1836.875,"sentiment":"neutral","sentiment_score":-0.01805100589990616},{"text":"Did I what is that legal issue that they're going through?","start":1836.935,"end":1840.795,"sentiment":"neutral","sentiment_score":-0.06625001708214934},{"text":"Is that alright.","start":1886.26,"end":1886.98,"sentiment":"neutral","sentiment_score":-0.025256740394979715}],"sentiment":"neutral","sentiment_score":-0.056644602523495756,"num_words":33,"start":1730.825,"end":1886.98},{"sentences":[{"text":"So that's is it what did you say?","start":1886.98,"end":1888.765,"sentiment":"neutral","sentiment_score":-0.006730401830282062},{"text":"Corporate traveler management?","start":1888.765,"end":1891.105,"sentiment":"neutral","sentiment_score":-0.013970688295861086},{"text":"So not CTD, just CT.","start":1897.645,"end":1900.385,"sentiment":"neutral","sentiment_score":-0.03558685183525086},{"text":"Okay.","start":1903.65,"end":1904.15,"sentiment":"neutral","sentiment_score":-0.09400084614753725},{"text":"Sorry.","start":1905.5701,"end":1905.89,"sentiment":"neutral","sentiment_score":-0.24704352021217343}],"sentiment":"neutral","sentiment_score":-0.034151883614766926,"num_words":18,"start":1886.98,"end":1905.89},{"sentences":[{"text":"I'll just yep.","start":1905.89,"end":1909.43,"sentiment":"negative","sentiment_score":-0.37480050325393677},{"text":"Yep.","start":1919.425,"end":1919.925,"sentiment":"neutral","sentiment_score":-0.06086122244596481},{"text":"Alright.","start":1920.7051,"end":1921.2051,"sentiment":"neutral","sentiment_score":-0.02029005810618401},{"text":"So I'm just writing it down.","start":1921.665,"end":1923.2051,"sentiment":"neutral","sentiment_score":-0.028721747143814962},{"text":"I found 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protection.","start":2131.65,"end":2135.3499,"sentiment":"neutral","sentiment_score":-0.007356365728709433},{"text":"Yeah.","start":2137.5698,"end":2138.05,"sentiment":"neutral","sentiment_score":0.006241286173462868}],"sentiment":"neutral","sentiment_score":0.03925767241288786,"num_words":23,"start":2105.615,"end":2138.05},{"sentences":[{"text":"So I think that's why I've never done that because that's all part of our union fees.","start":2138.05,"end":2141.67,"sentiment":"neutral","sentiment_score":0.01499208205324762},{"text":"Yeah.","start":2150.145,"end":2150.385,"sentiment":"neutral","sentiment_score":0.203091561794281},{"text":"I think it's up to 85% of the wage.","start":2150.385,"end":2152.5452,"sentiment":"neutral","sentiment_score":0.16743753850460052},{"text":"So I I know one of the boys, he got yeah.","start":2152.5452,"end":2155.105,"sentiment":"neutral","sentiment_score":0.13135943087664517},{"text":"He got to buy a car or something on his bike, and he's been up eight months, and he's still getting, I think, $8,800 in the end every week.","start":2155.105,"end":2162.5598,"sentiment":"neutral","sentiment_score":0.0350180738444986}],"sentiment":"neutral","sentiment_score":0.06605033857275301,"num_words":67,"start":2138.05,"end":2162.5598},{"sentences":[{"text":"So yeah.","start":2162.7,"end":2164.94,"sentiment":"neutral","sentiment_score":0.16596653312444687},{"text":"Yeah.","start":2164.94,"end":2165.44,"sentiment":"neutral","sentiment_score":0.1708029955625534},{"text":"Yeah.","start":2170.7798,"end":2171.02,"sentiment":"neutral","sentiment_score":-0.00725579634308815},{"text":"No.","start":2171.02,"end":2171.3398,"sentiment":"neutral","sentiment_score":-0.03966174274682999},{"text":"No.","start":2171.3398,"end":2171.5,"sentiment":"neutral","sentiment_score":-0.06993268430233002}],"sentiment":"neutral","sentiment_score":0.06431430640319984,"num_words":6,"start":2162.7,"end":2171.5},{"sentences":[{"text":"I've only got, like, two two, three weeks off, and that's it.","start":2171.5,"end":2175.575,"sentiment":"neutral","sentiment_score":-0.0077798900892958045},{"text":"Yeah.","start":2176.115,"end":2176.515,"sentiment":"neutral","sentiment_score":0.2361297756433487},{"text":"Yeah.","start":2176.515,"end":2176.995,"sentiment":"neutral","sentiment_score":0.30002206563949585},{"text":"I've got another three weeks off, and yeah.","start":2176.995,"end":2179.415,"sentiment":"neutral","sentiment_score":0.20679453574120998},{"text":"Yeah.","start":2180.595,"end":2181.095,"sentiment":"neutral","sentiment_score":0.30491089820861816}],"sentiment":"neutral","sentiment_score":0.10443740627606926,"num_words":23,"start":2171.5,"end":2181.095},{"sentences":[{"text":"Yeah.","start":2181.155,"end":2181.655,"sentiment":"positive","sentiment_score":0.3864396810531616},{"text":"Yeah.","start":2221.1501,"end":2221.3901,"sentiment":"neutral","sentiment_score":0.13469408452510834},{"text":"I'm just happy with that for now.","start":2221.3901,"end":2222.59,"sentiment":"neutral","sentiment_score":0.3263551337378366},{"text":"I think I'll be right for the next couple of years at least.","start":2222.59,"end":2225.01,"sentiment":"neutral","sentiment_score":0.12960755853698805},{"text":"Yeah.","start":2278.33,"end":2278.665,"sentiment":"neutral","sentiment_score":0.014525901526212692}],"sentiment":"neutral","sentiment_score":0.1958714723587036,"num_words":23,"start":2181.155,"end":2278.665},{"sentences":[{"text":"No.","start":2320.63,"end":2320.8699,"sentiment":"neutral","sentiment_score":-0.18272832036018372},{"text":"You're alright.","start":2320.8699,"end":2321.3499,"sentiment":"neutral","sentiment_score":-0.17033425718545914},{"text":"I'm just trying to sign this thing, but it's pretty hard to do on your phone.","start":2321.3499,"end":2325.13,"sentiment":"neutral","sentiment_score":-0.2015903228893876},{"text":"It 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this?","start":2343.4102,"end":2344.23,"sentiment":"neutral","sentiment_score":-0.015074506402015686}],"sentiment":"neutral","sentiment_score":-0.07996898218989372,"num_words":15,"start":2334.805,"end":2344.23},{"sentences":[{"text":"I'll just do it with the order.","start":2345.01,"end":2346.47,"sentiment":"neutral","sentiment_score":0.03995516949466297},{"text":"Order will do.","start":2346.53,"end":2347.59,"sentiment":"neutral","sentiment_score":0.08150986085335414},{"text":"Alright.","start":2349.73,"end":2350.23,"sentiment":"neutral","sentiment_score":0.08249544352293015},{"text":"No sign on.","start":2350.29,"end":2351.4302,"sentiment":"neutral","sentiment_score":0.019681309660275776},{"text":"Hang on.","start":2352.29,"end":2353.03,"sentiment":"positive","sentiment_score":0.4090917408466339}],"sentiment":"neutral","sentiment_score":0.09274616395123303,"num_words":16,"start":2345.01,"end":2353.03},{"sentences":[{"text":"Yep.","start":2366.465,"end":2366.965,"sentiment":"neutral","sentiment_score":0.023989487439393997},{"text":"Yeah.","start":2367.185,"end":2367.505,"sentiment":"neutral","sentiment_score":0.013933866284787657},{"text":"Still what about it.","start":2367.505,"end":2368.305,"sentiment":"neutral","sentiment_score":0.004889653064310551},{"text":"Still sits there though.","start":2368.305,"end":2369.445,"sentiment":"neutral","sentiment_score":0.00740589527413249},{"text":"Yeah.","start":2370.36,"end":2370.86,"sentiment":"neutral","sentiment_score":0.212868332862854}],"sentiment":"neutral","sentiment_score":0.02727035272189162,"num_words":11,"start":2366.465,"end":2370.86},{"sentences":[{"text":"Yeah.","start":2377.56,"end":2377.8801,"sentiment":"neutral","sentiment_score":0.021960821002721783},{"text":"It's still, yeah, it's still be around the $25.","start":2377.8801,"end":2380.3801,"sentiment":"neutral","sentiment_score":0.030702392674154706},{"text":"Yeah.","start":2381.8801,"end":2382.3801,"sentiment":"neutral","sentiment_score":0.1199859082698822},{"text":"The yeah.","start":2389.4648,"end":2390.025,"sentiment":"neutral","sentiment_score":-0.013314676005393267},{"text":"It's probably down about 35 maybe 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93.","start":2415.9348,"end":2418.115,"sentiment":"neutral","sentiment_score":0.10411884014805158}],"sentiment":"neutral","sentiment_score":0.012695930982855234,"num_words":22,"start":2393.2249,"end":2418.115},{"sentences":[{"text":"That's up to that.","start":2418.655,"end":2419.6948,"sentiment":"neutral","sentiment_score":0.26793475449085236},{"text":"Yeah.","start":2419.6948,"end":2420.1948,"sentiment":"neutral","sentiment_score":0.1105157434940338},{"text":"Yeah.","start":2430.47,"end":2430.8699,"sentiment":"neutral","sentiment_score":0.1548178493976593},{"text":"That should be coming down every couple of grand every year for the next five years.","start":2430.8699,"end":2435.5898,"sentiment":"neutral","sentiment_score":0.15438480209559202},{"text":"So that should be down in the 12 or something by now, surely.","start":2435.5898,"end":2440.065,"sentiment":"neutral","sentiment_score":0.22467907804709214}],"sentiment":"neutral","sentiment_score":0.1922302131141935,"num_words":35,"start":2418.655,"end":2440.065},{"sentences":[{"text":"No.","start":2451.885,"end":2452.125,"sentiment":"neutral","sentiment_score":-0.019068153575062752},{"text":"That's that's it, really.","start":2452.125,"end":2453.48,"sentiment":"neutral","sentiment_score":-0.015141010284423828},{"text":"I I did join BMX.","start":2453.6199,"end":2455.16,"sentiment":"neutral","sentiment_score":0.0312668964266777},{"text":"I was gonna start trading, but I don't really know what I'm doing.","start":2455.38,"end":2458.34,"sentiment":"neutral","sentiment_score":-0.02400160623857608},{"text":"So I'm gonna just leave it for now.","start":2458.34,"end":2460.36,"sentiment":"neutral","sentiment_score":0.0018493605311959982}],"sentiment":"neutral","sentiment_score":-0.0071136680461706655,"num_words":31,"start":2451.885,"end":2460.36},{"sentences":[{"text":"Yeah.","start":2482.18,"end":2482.58,"sentiment":"neutral","sentiment_score":0.20883822441101071},{"text":"I thought cool.","start":2482.58,"end":2483.46,"sentiment":"positive","sentiment_score":0.3800758421421051},{"text":"Awesome.","start":2483.46,"end":2483.96,"sentiment":"positive","sentiment_score":0.5724048614501953},{"text":"Yeah.","start":2502.675,"end":2502.995,"sentiment":"neutral","sentiment_score":0.07536005973815918},{"text":"So it's good.","start":2502.995,"end":2503.975,"sentiment":"neutral","sentiment_score":0.09860946734746297}],"sentiment":"neutral","sentiment_score":0.2547398971186744,"num_words":9,"start":2482.18,"end":2503.975},{"sentences":[{"text":"Me now.","start":2504.1501,"end":2504.3901,"sentiment":"neutral","sentiment_score":0.026093678548932076},{"text":"We got married last year.","start":2504.3901,"end":2505.75,"sentiment":"neutral","sentiment_score":0.006788087636232376},{"text":"So yep.","start":2505.75,"end":2508.55,"sentiment":"neutral","sentiment_score":0.00821377383545041},{"text":"So the same surname is mine.","start":2508.55,"end":2510.33,"sentiment":"neutral","sentiment_score":0.012425228953361511},{"text":"Yeah.","start":2517.11,"end":2517.4302,"sentiment":"neutral","sentiment_score":0.004914632998406887}],"sentiment":"neutral","sentiment_score":0.011376334354281425,"num_words":16,"start":2504.1501,"end":2517.4302},{"sentences":[{"text":"Sorry.","start":2517.4302,"end":2517.6702,"sentiment":"neutral","sentiment_score":-0.0045157792046666145},{"text":"Can we have it all as just my surname now?","start":2517.6702,"end":2531.415,"sentiment":"neutral","sentiment_score":0.026615152321755885},{"text":"Yeah.","start":2532.195,"end":2532.5151,"sentiment":"neutral","sentiment_score":0.048836760222911835},{"text":"Yeah.","start":2532.5151,"end":2532.7551,"sentiment":"neutral","sentiment_score":0.046192508190870285},{"text":"Yeah.","start":2532.7551,"end":2533.2551,"sentiment":"neutral","sentiment_score":0.059667013585567474}],"sentiment":"neutral","sentiment_score":0.029738001858017275,"num_words":14,"start":2517.4302,"end":2533.2551},{"sentences":[{"text":"Changed the last their name and yeah.","start":2533.4001,"end":2535.56,"sentiment":"neutral","sentiment_score":0.05823443031736782},{"text":"I'll stay in the for about a week today.","start":2535.56,"end":2537.6602,"sentiment":"neutral","sentiment_score":0.2848217056857215},{"text":"No.","start":2551.4949,"end":2551.9949,"sentiment":"neutral","sentiment_score":0.02838344499468803},{"text":"Yeah.","start":2584.71,"end":2585.03,"sentiment":"neutral","sentiment_score":-0.028320467099547383},{"text":"Okay.","start":2585.03,"end":2585.3499,"sentiment":"neutral","sentiment_score":-0.03888677805662155}],"sentiment":"neutral","sentiment_score":0.1543269770121888,"num_words":19,"start":2533.4001,"end":2585.3499},{"sentences":[{"text":"I she does not allow you guys.","start":2585.3499,"end":2587.3499,"sentiment":"neutral","sentiment_score":-0.07128893158265523},{"text":"She probably reached out quickly.","start":2587.3499,"end":2589.13,"sentiment":"neutral","sentiment_score":-0.035196589305996895},{"text":"Yes.","start":2606.0352,"end":2606.355,"sentiment":"neutral","sentiment_score":0.13926087319850922},{"text":"Definitely.","start":2606.355,"end":2606.855,"sentiment":"neutral","sentiment_score":0.25878024101257324},{"text":"No.","start":2639.565,"end":2639.805,"sentiment":"neutral","sentiment_score":0.016174454241991043}],"sentiment":"neutral","sentiment_score":-0.01738599327703317,"num_words":15,"start":2585.3499,"end":2639.805},{"sentences":[{"text":"Let's let's just leave it every three years just in case something happens.","start":2639.805,"end":2643.3599,"sentiment":"neutral","sentiment_score":0.0005513119439666087},{"text":"But, yeah, we'll leave it out for now.","start":2643.3599,"end":2646.9,"sentiment":"neutral","sentiment_score":0.049113759538158774},{"text":"Yeah.","start":2664.655,"end":2664.895,"sentiment":"neutral","sentiment_score":0.08393712341785431},{"text":"We'll do that.","start":2664.895,"end":2665.695,"sentiment":"neutral","sentiment_score":0.11405648042758305},{"text":"Yep.","start":2665.695,"end":2666.19,"sentiment":"neutral","sentiment_score":0.10402224957942964}],"sentiment":"neutral","sentiment_score":0.03577715176372574,"num_words":26,"start":2639.805,"end":2666.19},{"sentences":[{"text":"Yeah.","start":2667.0698,"end":2667.23,"sentiment":"neutral","sentiment_score":0.08934219181537628},{"text":"Take it off at the same time.","start":2667.23,"end":2668.8499,"sentiment":"neutral","sentiment_score":0.031020954783473696},{"text":"Same thing.","start":2668.99,"end":2669.73,"sentiment":"neutral","sentiment_score":0.09141475334763527},{"text":"Pardon?","start":2681.55,"end":2681.775,"sentiment":"neutral","sentiment_score":-0.0012646771501749754},{"text":"Pardon?","start":2681.9348,"end":2682.095,"sentiment":"neutral","sentiment_score":-0.005320034921169281}],"sentiment":"neutral","sentiment_score":0.0402278058269682,"num_words":12,"start":2667.0698,"end":2682.095},{"sentences":[{"text":"Say that again.","start":2682.095,"end":2682.575,"sentiment":"neutral","sentiment_score":0.0019639208912849426},{"text":"Sorry.","start":2682.575,"end":2683.075,"sentiment":"neutral","sentiment_score":0.011389467865228651},{"text":"Email it to us, and then, yeah, I can do it all online then.","start":2688.015,"end":2691.1548,"sentiment":"neutral","sentiment_score":0.08801968715020589},{"text":"Yeah.","start":2691.295,"end":2691.795,"sentiment":"neutral","sentiment_score":0.10271674394607544},{"text":"You should have that done being through to now.","start":2692.255,"end":2694.895,"sentiment":"neutral","sentiment_score":0.2980247139930725}],"sentiment":"neutral","sentiment_score":0.14408914359020336,"num_words":28,"start":2682.095,"end":2694.895},{"sentences":[{"text":"Just did it.","start":2694.895,"end":2695.775,"sentiment":"neutral","sentiment_score":0.13635680576165518},{"text":"I assigned request with this one.","start":2695.775,"end":2697.54,"sentiment":"neutral","sentiment_score":0.10593605414032936},{"text":"Yep.","start":2701.3801,"end":2701.8801,"sentiment":"neutral","sentiment_score":0.2022073119878769},{"text":"Oh, we're going to do a wheel.","start":2708.34,"end":2709.8801,"sentiment":"neutral","sentiment_score":-0.0318385934723275},{"text":"Yeah.","start":2710.205,"end":2710.525,"sentiment":"neutral","sentiment_score":-0.05068913474678993}],"sentiment":"neutral","sentiment_score":0.0540741536145409,"num_words":18,"start":2694.895,"end":2710.525},{"sentences":[{"text":"I we just got lost in the whole processing, and we just want to have them simple and easy to to do, to be honest.","start":2710.525,"end":2718.385,"sentiment":"neutral","sentiment_score":0.0005593575537204742},{"text":"Yeah.","start":2738.955,"end":2739.355,"sentiment":"neutral","sentiment_score":0.01257903128862381},{"text":"Can you do that for us, please?","start":2739.355,"end":2740.975,"sentiment":"neutral","sentiment_score":0.009375250532424875},{"text":"Yeah.","start":2747.995,"end":2748.475,"sentiment":"neutral","sentiment_score":0.104350745677948},{"text":"That that is one thing we've they've been in been in to.","start":2748.475,"end":2751.8298,"sentiment":"neutral","sentiment_score":0.09253744035959244}],"sentiment":"neutral","sentiment_score":0.028412820735905807,"num_words":46,"start":2710.525,"end":2751.8298},{"sentences":[{"text":"That's the someone last year, but it's still you can go even higher risk, But they said maybe just leave it as is for now.","start":2773.2651,"end":2780.79,"sentiment":"neutral","sentiment_score":-0.0761739570647478},{"text":"So I'll say higher risk.","start":2781.33,"end":2784.47,"sentiment":"neutral","sentiment_score":-0.006327733583748341},{"text":"Yes.","start":2830.6702,"end":2831.1702,"sentiment":"positive","sentiment_score":0.44490736722946167},{"text":"Yep.","start":2846.455,"end":2846.775,"sentiment":"neutral","sentiment_score":0.025358181446790695},{"text":"No.","start":2846.775,"end":2847.015,"sentiment":"neutral","sentiment_score":-0.0375542938709259}],"sentiment":"neutral","sentiment_score":-0.04555382847673062,"num_words":33,"start":2773.2651,"end":2847.015},{"sentences":[{"text":"I'll leave it as is for now for the time being.","start":2847.015,"end":2849.195,"sentiment":"neutral","sentiment_score":-0.03284801475026391},{"text":"A little bit more overtime.","start":2861.75,"end":2863.03,"sentiment":"neutral","sentiment_score":-0.01333843506872654},{"text":"I got cleared to 10 or something this year.","start":2863.03,"end":2865.075,"sentiment":"neutral","sentiment_score":0.052644234564569264},{"text":"Yeah.","start":2870.355,"end":2870.755,"sentiment":"neutral","sentiment_score":0.0172544214874506},{"text":"Five and a half percent, I think it was, or 5%.","start":2870.755,"end":2873.075,"sentiment":"neutral","sentiment_score":0.028596190397034992}],"sentiment":"neutral","sentiment_score":0.010205142955119545,"num_words":37,"start":2847.015,"end":2873.075},{"sentences":[{"text":"Yeah.","start":2873.075,"end":2873.575,"sentiment":"neutral","sentiment_score":0.09767390042543413},{"text":"Yeah.","start":2879.31,"end":2879.47,"sentiment":"neutral","sentiment_score":0.15323078632354736},{"text":"Yeah.","start":2879.47,"end":2879.97,"sentiment":"neutral","sentiment_score":0.11880680173635484},{"text":"Leave it as 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paid off and that's why there's and, yeah, what part that's got overall super, so it might be a bit different.","start":2920.25,"end":2926.6848,"sentiment":"neutral","sentiment_score":0.018236361220479013},{"text":"Yeah.","start":2959.215,"end":2959.715,"sentiment":"neutral","sentiment_score":0.06517575681209564},{"text":"Yeah.","start":2960.255,"end":2960.655,"sentiment":"neutral","sentiment_score":0.059314098209142685},{"text":"What is with the Superb, what where am I allowed to take it?","start":2960.655,"end":2964.19,"sentiment":"neutral","sentiment_score":0.035956260533286974},{"text":"Yeah.","start":2978.905,"end":2979.145,"sentiment":"neutral","sentiment_score":0.06396753340959549}],"sentiment":"neutral","sentiment_score":0.02711701965550097,"num_words":41,"start":2920.25,"end":2979.145},{"sentences":[{"text":"Okay.","start":2979.145,"end":2979.465,"sentiment":"neutral","sentiment_score":0.07350779324769974},{"text":"No worries.","start":2979.465,"end":2980.205,"sentiment":"neutral","sentiment_score":0.09453176334500313},{"text":"Oh, okay.","start":2981.7852,"end":2982.445,"sentiment":"neutral","sentiment_score":0.08580351993441582},{"text":"Oh, yeah.","start":2986.585,"end":2987.145,"sentiment":"neutral","sentiment_score":0.01606664853170514},{"text":"That'd be a bit better.","start":2987.145,"end":2988.105,"sentiment":"neutral","sentiment_score":0.023345329985022544}],"sentiment":"neutral","sentiment_score":0.048586525566255055,"num_words":12,"start":2979.145,"end":2988.105},{"sentences":[{"text":"It'd be good to retire in this 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list.","start":3036.745,"end":3038.205,"sentiment":"neutral","sentiment_score":-0.04771941713988781},{"text":"Yeah.","start":3040.2651,"end":3040.745,"sentiment":"neutral","sentiment_score":-0.08021482080221176},{"text":"Yeah.","start":3040.745,"end":3041.245,"sentiment":"neutral","sentiment_score":-0.25375062227249146},{"text":"I honestly don't wanna spend it because the money I spend at the offset, the more I end up paying back on the mortgage.","start":3041.625,"end":3046.685,"sentiment":"negative","sentiment_score":-0.3600395657122135}],"sentiment":"neutral","sentiment_score":-0.2926083082152951,"num_words":31,"start":3027.57,"end":3046.685},{"sentences":[{"text":"So Think I'm still off for two weeks today.","start":3046.745,"end":3080.1401,"sentiment":"neutral","sentiment_score":-0.05589814566903644},{"text":"So if we can get it some like, probably the Monday or Tuesday in in a fortnight or Wednesday.","start":3080.1401,"end":3087.015,"sentiment":"neutral","sentiment_score":0.029597948550393705},{"text":"Yeah.","start":3088.275,"end":3088.775,"sentiment":"neutral","sentiment_score":0.1481223106384277},{"text":"Yeah.","start":3094.115,"end":3094.615,"sentiment":"neutral","sentiment_score":0.08754119277000427},{"text":"Yeah.","start":3098.435,"end":3098.675,"sentiment":"neutral","sentiment_score":0.10574178397655488}],"sentiment":"neutral","sentiment_score":0.012925258026488366,"num_words":31,"start":3046.745,"end":3098.675},{"sentences":[{"text":"That's that's pretty late enough.","start":3098.675,"end":3100.02,"sentiment":"neutral","sentiment_score":0.11227681934833526},{"text":"I'll I'll still be at home.","start":3100.34,"end":3105.0,"sentiment":"neutral","sentiment_score":0.31065767010052997},{"text":"Awesome.","start":3123.395,"end":3123.795,"sentiment":"positive","sentiment_score":0.531371533870697},{"text":"Thank you.","start":3123.795,"end":3124.455,"sentiment":"positive","sentiment_score":0.5190131366252899},{"text":"No.","start":3138.98,"end":3139.38,"sentiment":"neutral","sentiment_score":-0.12634752690792084}],"sentiment":"neutral","sentiment_score":0.2578920265038808,"num_words":15,"start":3098.675,"end":3139.38},{"sentences":[{"text":"That's it.","start":3139.38,"end":3139.94,"sentiment":"neutral","sentiment_score":-0.13766905665397644},{"text":"I think the biggest one was just moving out of the whatever it was that funds penalized.","start":3139.94,"end":3147.895,"sentiment":"neutral","sentiment_score":-0.19517040866262772},{"text":"K.","start":3150.3552,"end":3150.675,"sentiment":"neutral","sentiment_score":-0.005805484019219875},{"text":"So instead of that one.","start":3150.675,"end":3155.175,"sentiment":"neutral","sentiment_score":-0.025138022750616072},{"text":"Yeah.","start":3164.28,"end":3164.78,"sentiment":"neutral","sentiment_score":-0.0504099503159523}],"sentiment":"neutral","sentiment_score":-0.14519771571772602,"num_words":26,"start":3139.38,"end":3164.78},{"sentences":[{"text":"Car.","start":3172.9448,"end":3173.4448,"sentiment":"neutral","sentiment_score":-0.09330599009990692},{"text":"Definitely.","start":3176.865,"end":3177.365,"sentiment":"positive","sentiment_score":0.5193819403648376},{"text":"Yeah.","start":3189.14,"end":3189.2998,"sentiment":"neutral","sentiment_score":0.04434371739625931},{"text":"They're all at push and yeah.","start":3189.2998,"end":3191.5398,"sentiment":"neutral","sentiment_score":0.10558271656433742},{"text":"Yeah.","start":3191.5398,"end":3191.7,"sentiment":"neutral","sentiment_score":0.08025107532739639}],"sentiment":"neutral","sentiment_score":0.11841670423746109,"num_words":10,"start":3172.9448,"end":3191.7},{"sentences":[{"text":"About a dozen.","start":3191.7,"end":3192.7598,"sentiment":"neutral","sentiment_score":0.07879820962746938},{"text":"So at home by myself at the moment.","start":3192.9,"end":3195.0,"sentiment":"neutral","sentiment_score":0.12773121148347855},{"text":"You do.","start":3199.46,"end":3200.21,"sentiment":"positive","sentiment_score":0.45493027567863464},{"text":"Thank you very much.","start":3211.025,"end":3211.9048,"sentiment":"positive","sentiment_score":0.7834540456533432},{"text":"Okay.","start":3211.9048,"end":3212.305,"sentiment":"positive","sentiment_score":0.3352382183074951}],"sentiment":"neutral","sentiment_score":0.313175515168243,"num_words":18,"start":3191.7,"end":3212.305},{"sentences":[{"text":"Bye.","start":3212.305,"end":3212.625,"sentiment":"positive","sentiment_score":0.35095536708831787},{"text":"Have a good day.","start":3212.625,"end":3213.605,"sentiment":"positive","sentiment_score":0.54444719851017}],"sentiment":"positive","sentiment_score":0.5057488322257996,"num_words":5,"start":3212.305,"end":3213.605}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Dustin. It's Dana from Oakview Financial. How are you this morning?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: I'm very well. Thank you. I have people going to go through a bit of an annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Fantastic. I was trying to take up too much of your time there. Are you working this morning? Or\n\nChannel 1: No. I had surgery last week, so I'm off for a couple of weeks.\n\nChannel 0: oh, so\n\nChannel 1: Yeah.\n\nChannel 0: sorry. How's\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: That's\n\nChannel 0: recovery\n\nChannel 1: a\n\nChannel 0: going?\n\nChannel 1: My smile's steady.\n\nChannel 0: Yep. Yep. We\n\nChannel 1: Yeah.\n\nChannel 0: got plenty of Netflix to watch or something to read.\n\nChannel 1: Yeah. I've been reading like crazy and\n\nChannel 0: Oh, well, I hope your recovery continues. Oh,\n\nChannel 1: Yeah.\n\nChannel 0: I'm so\n\nChannel 1: Thank\n\nChannel 0: sorry\n\nChannel 1: you.\n\nChannel 0: to hear that. All\n\nChannel 1: No.\n\nChannel 0: good.\n\nChannel 1: That's not\n\nChannel 0: I did send through an email to you with a couple of the documents to run through with regards to your annual review there as you have access to your emails. If you don't, that is absolutely okay.\n\nChannel 1: Yeah. I've got it here.\n\nChannel 0: Yep. Fantastic. And just before I jump into the call, just letting you know moving forward, would you record our call for quality and training purposes? Would you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And I just need to do a quick security check with you just to confirm your full name, your date of birth, and address I should have on file\n\nChannel 1: Dustin.\n\nChannel 0: there.\n\nChannel 1: 27\n\nChannel 0: Yep.\n\nChannel 1: 989. 102 Gaggen Road, Anna Bay 2316.\n\nChannel 0: Legend. Thank you so much for that. So, Justin, the main document within that email, there is the ongoing service agreement for the twelve months there. On the very front page before you press the sign back, you'll see some attached documents below. One of those is the super and insurance summary and the hub twenty four performance report.\n\nCan you see the the summaries on there at all?\n\nChannel 1: Good morning. Please find.\n\nChannel 0: Should be below that one. Yeah.\n\nChannel 1: Attachments include\n\nChannel 0: Yep.\n\nChannel 1: yep. Okay.\n\nChannel 0: Perfect. So one of those should say super and insurance summary.\n\nChannel 1: Hello?\n\nChannel 0: Is that\n\nChannel 1: Yep.\n\nChannel 0: the attachment you can see there? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Trying to send it to.\n\nChannel 0: So that should have the date on there as of the 07/08/2026 that lets you know your super balance is now $2.90\n\nChannel 1: Yeah. Right\n\nChannel 0: 8 and 545. Is that what you can see there?\n\nChannel 1: now. What do I say? What did you say? 298\n\nChannel 0: Yours\n\nChannel 1: 545?\n\nChannel 0: yeah. That's the one.\n\nChannel 1: Yep. That's it. Yeah. That's what I'm looking at.\n\nChannel 0: Fantastic. All good. So I'm trying to go too fast. My technology can be horribly painful sometimes, so just making sure you're looking at the same document I am. Beautiful.\n\nChannel 1: Yep. Not at all.\n\nChannel 0: When I have a look back, I get a new review last. Your balance then was 246,824. I don't see your balance has increased nicely on the last twelve months. So it is really good to see. Very happy with that.\n\nObviously, you're not used to not we're probably more aware of, obviously, what's been happening out there in the market globally at the moment with, you know, this we've seen the war between The US and Iran. We've also sort of seen issues internally in Australia with high inflationary rates, and our interest rates have been increasing as well. So all those things have had a bit of an effect on super and the markets as a whole.\n\nChannel 1: Yeah. It took\n\nChannel 0: The\n\nChannel 1: a big\n\nChannel 0: other\n\nChannel 1: hit a\n\nChannel 0: attached\n\nChannel 1: few months ago.\n\nChannel 0: yeah. If you have I'll look at the other report, the performance report, it should say hub twenty four performance report. Is that\n\nChannel 1: Yeah.\n\nChannel 0: heading there?\n\nChannel 1: Is this under the different insurance summary, or is this a different one?\n\nChannel 0: It's\n\nChannel 1: Sorry.\n\nChannel 0: a different one. Yeah. No. You're fine.\n\nChannel 1: Oh, yeah. Performance. So, yeah, so it's all down the bottom.\n\nChannel 0: Yeah. That's all good.\n\nChannel 1: Download. Yeah. Okay. I'm\n\nChannel 0: Beautiful.\n\nChannel 1: in.\n\nChannel 0: So this one here is giving you an outline of what your super fund has done and all the individual investments as a whole. The third page there does outline all your individual investments. You can see you've got access to Australian equities. You've got bank hybrids, which is defensive assets. We've got global cybersecurity.\n\nYou've also got some of the tours there, which is the Rafi 200, giving you exposure to mid cap stocks. We've got battery and lithium tech in there, physical gold, which has done really, really well. We've got access to the S and P 500, some China stuff there as well, and also listed property. As a whole, most things have performed really, really well. Looking at the first page there, though, you've been along equities.\n\nThat is down a bit. Obviously, when you sort of have a look at investments and when we're looking at whether an investment needs to be removed or changed from a portfolio, we're looking at how that investment has performed as opposed to the rest of the market. With regard to Bennelong, Australian Equities as as a whole, with the ups and downs we have been noticing, have still actually been performing very, very well. The fact that Bannalong is showing it's down a little bit at the moment is pretty significant. I went back and had a really good look at Bannalong as a whole.\n\nUnfortunately, they've had some underlying issues within their investment portfolios, so we do wanna look at maybe switching it out of that investment. I think one of the most important things to note is that whilst you do have a good time horizon ahead of you, we don't wanna see you in any investments that are underperforming for too long. If something's underperforming and there's an issue within the investment, we need to maybe look at removing that out and replacing it fairly quickly so your portfolio can continue to grow. Does that make sense?\n\nChannel 1: Yeah. Well, I'll take a lost chopping and changing that one.\n\nChannel 0: It depends. So there is a bit of a down. Have you looked at your portfolio at the moment? There is a tax liability of just over $1,000. So if we do sell that, it does mean that the portfolio that we do cement any losses that are being seen within the portfolio as a whole.\n\nHowever, when you consider the tax consequences, so capital gains inside the super system are taxed at 15%. If you tell the investment for more than twelve months, it's taxed at 10%. You get a discount on that. So you're not while it\n\nChannel 1: Yes.\n\nChannel 0: shows the earnings are down by $7,800, you're actually not cementing the whole 7,000 loss. The loss would essentially be or the capital loss would essentially be the tax consequences for that. So out of that 15\n\nChannel 1: Alright. Which\n\nChannel 0: percent,\n\nChannel 1: one which one is this one we're talking about?\n\nChannel 0: the Benelon Australian equity is the very first investment.\n\nChannel 1: Oh, yeah. The top one. See, I've got\n\nChannel 0: Yeah.\n\nChannel 1: a fair bid in that.\n\nChannel 0: Yeah. I mean, realistically, you had about less than 10% of your portfolio. It wasn't\n\nChannel 1: Oh,\n\nChannel 0: one\n\nChannel 1: what's\n\nChannel 0: of your\n\nChannel 1: the\n\nChannel 0: core\n\nChannel 1: 30\n\nChannel 0: investments,\n\nChannel 1: four what's the\n\nChannel 0: but\n\nChannel 1: 34,000 there?\n\nChannel 0: the 34,000,\n\nChannel 1: The market value start period. Alright.\n\nChannel 0: That's how much you had in the investment total last year. So at the start of the time frame, this is the ninth of the seventh last year, you had 34,445 in there. And then\n\nChannel 1: Yeah.\n\nChannel 0: market value at the end of the period means, at the moment, you've got about 30,520 and 88¢, so that's the market value of the investment. And that essentially shows with growth and income within the portfolio, it is down by 21.29% for that individual investment, which shows total earnings is down by over $7,841.\n\nChannel 1: Okay. Alright. So what do you\n\nChannel 0: Yeah.\n\nChannel 1: recommend? Just getting rid of that one?\n\nChannel 0: Absolutely. Yeah. Look. It does mean cementing a loss, but we are removing that from the portfolios now. We just have to update the advice and make sure that we recommend a new investment to put in its place.\n\nHaving a look, as I said, I had a bit of a look beforehand to see what's been going on with the portfolio and how things are going. The issues within Better Long are because the investments have had some not great investments have had some issues within their portfolios, And the fact that it's down quite heavily, it is best to kind of remove that now. We are cementing a little bit of a loss, but cementing a little bit of a loss does is a benefit because you you don't have your fund doesn't pay any capital gains. It doesn't normally have to pay taxes for doing so. So what I can do is I've got a couple of options.\n\nNow one of the big things with Stand Along is that it's more of an actively managed fund. So the investment manager for that fund is trying to buy and sell out perform against the market they clearly haven't been able to do so, which is why we wanna remove them from the portfolio wholly. I can, if you would like, I've got a couple of options for other active managers that, again, they are trying to outperform against the market. There's no guarantee that they will. Sometimes they do underperform against the market.\n\nIt's that then along have had a lot more issues than just underperformance. Essentially, the other option is we can look at something a bit more passively managed. So a passively managed fund is there to track the market. They're not trying to outperform against the market. Often, when you consider passive versus active management within an investment, passively managed funds tend to outperform much greater because they're not trying to buy and sell against the market.\n\nThey're not trying to pick the top and the bottom of the market. They're just staying invested. They're following an index. It's often a lot cheaper to do it that way as well. Did you want me to maybe look at something more passively for you, maybe try to lower the investment cost within your fund and replace that, or did you wanna keep something more actively managed within the portfolio?\n\nWhat would you like to see?\n\nChannel 1: Look. I'm I'm kinda lost, to be honest. Look. I'm still young enough to to lose or play a bit risky, I believe.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: So I'm happy to keep maybe something a bit more aggressive or what what do you think?\n\nChannel 0: Yeah. Look. It's absolutely fine. We can put more of an actively managed investment in there for you if you like. That way, we can sort of see how that goes.\n\nWe just track that over the next sort of twelve months. And then if we find it's still not working, it's not really doing what it needs to, then we can always go the passive the passive managed route. That's absolutely fine. One of the big things I do sort of look for in an investment is, you know, how it has tracked over the last twelve months, how it has been over the last five to ten years even to sort of see if there's any major issues in there. Passive management I mean, there's two sort of ways of looking at risk with your portfolio.\n\nOne of those is the the type of management within the funds that you're invested in. Obviously, having an active manager is a little bit more risky. You do have those down times. You do tend to feel those down times. Having a passive managed fund does sort of reduce the risk a little bit.\n\nBut the other side of the risk factor is your growth and defensive assets. So as a total in the portfolio you're in, you're in more of a high growth environment. So you see 90% of your investment as growth assets. That's a combination of international equities, Australian equities, listed property, and also commodities like gold and silver, and then there's a small amount, 10% in low risk defensive assets. You can still keep the risk at that higher level by having a passively managed fund in there.\n\nOne of the big things is is that lowering the cost is more about making sure you're diversified. So one of the passively managed funds I'm looking at helps to lower the overall risk of the portfolio because standalone normally holds, say, 15 to 25 different investment options. One of the other ones I've been looking at is actually giving you exposure to, you know, the top 200 companies on the ASX. So it's actually giving you more exposure to the Australian stock market. It's still\n\nChannel 1: Mhmm.\n\nChannel 0: giving you that high growth asset allocation. It's just a lower cost investment has performed greater, and you're kind of reducing that overall risk of your portfolio by having a less actively managed fund in there. But you still keep the risk level with the overall growth of defensive asset allocation. Does that make sense? There's a little bit there's a lot to it.\n\nChannel 1: There's a lot there. Got it. Look. I'm I guess that's kinda why I'm paying you guys to manage this.\n\nChannel 0: Yes.\n\nChannel 1: Like, do you think it's the best thing for me moving forward? Let's just do it.\n\nChannel 0: Yes. Did you want me to look at both the options and look at how they have performed the overall cost of it, any CGT consequences for making the move, and look at what's gonna put you in a better position moving forward overall?\n\nChannel 1: Yeah. Let's do that.\n\nChannel 0: Yep. Beautiful. Beautiful. It's really funny because we also talk about the risk versus reward sort of sort of side to our portfolios, but there's risk isn't just, you know, one manager versus another. It's not just growth versus defense.\n\nThere's so many different risk levels that go into investing in the market and how we diversify, you know, as growth and defensive, also what investment managers we have. There's lots of different options there. So if you want, as you said, you just you pay us to make the recommendation. I'm happy to go back, look at both active and active and passively managed funds, look at how they have performing, look at the overall diversification, the cost of, obviously, making the switch and selling this investment and putting you in something else, and look at how everything has performed, and maybe project that over the next five to ten years for you to see what kind of position that puts you in. Does\n\nChannel 1: Yeah.\n\nChannel 0: that sound really good?\n\nChannel 1: Yeah.\n\nChannel 0: Yes?\n\nChannel 1: Let let's do that. Let's do that future projection and maybe one\n\nChannel 0: Yep.\n\nChannel 1: just to compare where I'm at now\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: Well,\n\nChannel 1: I\n\nChannel 0: we\n\nChannel 1: can\n\nChannel 0: do that anyway. So in the advice, we have to put down your current position versus the recommended and show\n\nChannel 1: Yep.\n\nChannel 0: you both of those so you can make your decision.\n\nChannel 1: Oh, okay. Cool. Alright.\n\nChannel 0: Yep. Beautiful. I will do that. Easy. So we'll provide a new updated statement of advice for you that shows you where you are currently, what that is projected for, the recommendations that we're making that we're recommending, and then you'll get to see both of those, and you get to decide and tell me whether you're happy to proceed with that or whether you have any alterations.\n\nDoes that\n\nChannel 1: Yeah.\n\nChannel 0: sound okay?\n\nChannel 1: Yeah. That\n\nChannel 0: Yep.\n\nChannel 1: sounds good.\n\nChannel 0: Beautiful. Fantastic. Now looking at that same document, so while Send Along is down, and most other investments are doing quite well, your Van Es property is down a little bit for the year. That is okay. There's nothing wrong with the investment as a whole.\n\nObviously, property has had a bit of a fallback recently. There's a lot of changes that are going through with regards to property. It is still worth keeping invested in that. I will obviously go back and, as part of the overall recommendations, just review the investment. If I feel like moving forward, it's not gonna be anything appropriate and that we maybe need to switch it out, I'm happy to make that recommendation as well.\n\nAre you happy for me to review that for you?\n\nChannel 1: Yeah, please.\n\nChannel 0: Yeah. Fantastic. On the second page of that same document, it does give you an overall. So you can see, obviously, that Benelon hasn't performed very well, but all your other investments have well have performed fairly well. You still received a lot of income and growth within the portfolio over the past twelve months, and, essentially, net of fees, including our ongoing service fee, your entire portfolio has actually received a positive 9.58% return.\n\nSo,\n\nChannel 1: What\n\nChannel 0: overall,\n\nChannel 1: was the last\n\nChannel 0: you\n\nChannel 1: piece\n\nChannel 0: have done\n\nChannel 1: of that,\n\nChannel 0: quite well.\n\nChannel 1: Wasn't\n\nChannel 0: I can pull the report up for you, two sec.\n\nChannel 1: it? I think last year I killed it. I ain't.\n\nChannel 0: Where are we? Report. There we go. Let's have a look. Last year's portfolio report, you made net of fees 12.18%.\n\nSo, yes, it is down a little bit on the last twelve months on the previous twelve months. Sorry. But it's still doing very, very well.\n\nChannel 1: Yeah. There's a lot going on happening in the world, I guess.\n\nChannel 0: Absolutely. And that's really important to note is that whilst you're always wanting great returns and compounding, We're never guaranteed to set return every single year. And with the markets going up and down, with investors going up and down at different levels, some years you'll end up with a twelve, fifteen, or 20% return. Other years, the return could definitely be lower. With a high growth portfolio, because you are taking more risk in the market, you are gonna see and feel those downturns, and it's about making sure you can go through those downturns, allow your portfolio to recover, and come out the other side.\n\nWith a high growth portfolio, we're looking to average an expected return of between eight to 10% on a yearly basis. So while spend along is down for the year, your portfolio has still performed within the expectation. So it is still working the way it should do. The performance as a whole is still within the expected range. And, obviously, having a look at the previous year's report of receiving a 12, I think, 51% return, that was obviously a really well performed year, and that was an over performance for your portfolio there as well.\n\nSo it is extremely normal to have the ups and downs for some years to get better performance than others, but it's about making sure that we're compounding forward continuously. And over in this sort of environment, realistically, one in every five years, you can expect a negative return or a bit of a downturn as well. So while things have been performing really well, the possibility of a downturn is is expected and will happen in the future. We'll let you know when that happens, why it's happening. It's about making sure you can continue to put your super contributions in, keep dollar cost averaging in, and allow your portfolio to go through those downtimes as well.\n\nDoes that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Beautiful. But then, look, it has done really well. Happy with that. I'll go back and review the portfolio.\n\nWe'll do a bit of an investment switch there for you and update things for you as well. Okay?\n\nChannel 1: Okay. No worries.\n\nChannel 0: Beautiful. Now I've also got your insurances here. So you do have your MetLife insurance policy. You've got some life and TBD only. In the event of passing away, your current life sum insured is about 551,250.\n\nWhen you think about your life insurance and your goal for that, if you were to pass away prematurely, I apologize. Justin, these conversations\n\nChannel 1: Yep.\n\nChannel 0: get a little bit dark. If in the event something was to happen, what exactly is it that you're wanting your life cover to pay out? What are you wanting to happen with that?\n\nChannel 1: Just to cover the remainder of your mortgage, really, which is\n\nChannel 0: Yep.\n\nChannel 1: far,\n\nChannel 0: Perfect.\n\nChannel 1: far less than what I've got anyway. So\n\nChannel 0: Yeah. Absolutely. So I had down here you owed about 380,000. Is that still fairly accurate?\n\nChannel 1: down about $2.80 now.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah. That's with money in the offset, though.\n\nChannel 0: Yeah. That's okay. How much do you have in the offset roughly?\n\nChannel 1: Tell you right now. Just let me log in.\n\nChannel 0: You're right.\n\nChannel 1: Where am I? Alright. So $3.76\n\nChannel 0: Mhmm.\n\nChannel 1: is the current, and the availability is 93.\n\nChannel 0: Beautiful. Excellent. Fantastic. It's good to see that loan dropping and decreasing quite well.\n\nChannel 1: Yep. Yeah. Yeah. Trying to stop for that. Couple of things\n\nChannel 0: Absolutely.\n\nChannel 1: to help\n\nChannel 0: Are\n\nChannel 1: in that.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: yeah. No. Absolutely. Well, having a look at that, I mean, realistically, with your life cover you have at the moment, the $5.51, 250, if you were to pass away, that is paid out to your beneficiaries there. And then your super balance on top of that with the extra 298 is fully paid out as well.\n\nSo it's\n\nChannel 1: Yes.\n\nChannel 0: essentially together giving you a little over $800,000 in cover to look after your family. Do you feel like that's fairly appropriate? You're happy with that?\n\nChannel 1: Yeah. For now. Yeah.\n\nChannel 0: Yep. That's absolutely fine. With TBD, now has anyone explained how TBD works, what TBD is? Do you understand what\n\nChannel 1: Is\n\nChannel 0: disability\n\nChannel 1: that a disability\n\nChannel 0: insurance\n\nChannel 1: one?\n\nChannel 0: is for? Yeah.\n\nChannel 1: Yeah. Yeah. So that was what was that insured for? I forget.\n\nChannel 0: So your current sum insured, that one is 551,002\n\nChannel 1: But\n\nChannel 0: 100\n\nChannel 1: it's\n\nChannel 0: and\n\nChannel 1: saying,\n\nChannel 0: 50.\n\nChannel 1: they might yeah. That's\n\nChannel 0: Yeah. Absolutely. In the event of a TBD claim, your super balance can be released as well, so we claim time to incapacity against super. So the total benefit gives you about 849,000 paid out. The thing with PPD, I don't know if anyone's ever explained to you, but PPD, the 48 fee claim under the age of 60 is actually taxed.\n\nIt can be taxed up to 22%. So just like giving you an idea on what that might look like, it essentially means that from the balance you have currently, your super and the TBD benefit, the tax would mean at 22%, about a 186,000 would be deducted from that. So you get that $8.49 minus about a $186,000 there.\n\nChannel 1: That's good to say the government get more of my money.\n\nChannel 0: It's honestly really horrible. I don't like it. I disagree with it in any I think it's disgusting. I think if you can't get back to work again due to permanent incapacity, the last thing the government should do is tax that.\n\nChannel 1: Yeah.\n\nChannel 0: It's horrible. Essentially, with the TPD, obviously, the tax is up to 22%. They have this really unusual math equation that they do to work out what the actual tax liability is. I just kinda gave you the estimated based on your current sum insured and super balance at the highest tax rate. If in the event you are actually TBD'd, we will help you with the claim, but then I will give you financial advice on how to limit the tax as much as possible as well, how to hopefully keep the money invested so you can draw a regular income and keep the money working for you as well.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: there are things that we can do to help limit that amount of tax, but I kind of like people to understand that CPD, unfortunately, is a tax payment. And if you take the full amount lump sum, a lot of people don't realize how much tax actually gets deducted from that, and it can reduce your CPD, some insured, pretty significantly. And, I mean, a $186,000 could be one or two or three years of your income or of your life that you can't get back. So if you think about it, if you're fully disabled and not able to go back to work again at your current age, you have to live from now to retirement or even longer and make that money last as long as possible. So trying to limit the tax is absolutely a good thing, but I just like to make sure I'm giving you a bit of information explaining how that works.\n\nJust so if in the event of a TBD claim, you understand that this is a possibility. Okay?\n\nChannel 1: So, yeah, I've gotta live off, what, 600 or $6,700.\n\nChannel 0: At the moment, yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: In saying that the the closer you get to retirement, obviously, the lower the tax rate tends to be. The kind of the equation is sort of age 65 minus your age now and then a whole bunch of random things the ATO comes up with. It's\n\nChannel 1: What\n\nChannel 0: a bit\n\nChannel 1: is\n\nChannel 0: like the\n\nChannel 1: what do\n\nChannel 0: mix\n\nChannel 1: people\n\nChannel 0: rate.\n\nChannel 1: usually go for my age and my position? Like, am I in the normal parameters of what people have\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: Yeah.\n\nChannel 1: yeah?\n\nChannel 0: Absolutely. Most people are just sorta happy to cover the mortgage, make sure their family are completely debt free, and then have a couple of years worth of, you know, net income.\n\nChannel 1: Alright.\n\nChannel 0: One of the things to sort of think about is if you look at replacement of income in the event of, say, a TBD claim or even death and your insurance is paid out to you, once you've covered that mortgage and the mortgage is fully paid off, the amount that you're currently paying on the mortgage is no longer happening. So, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: if you're earning about a $100,000 a year, you could actually generally live on, say, $50,000 a year and make that TBD payment last longer because your living expenses decrease without the mortgage repayment. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So this could last you a bit longer. In saying that we cover ourselves for a claim that may never happen. One of the biggest things we have is we pay for insurances hoping we never have to claim on them. The biggest risk we have is that we pay out all these premiums for the next twenty or thirty years.\n\nWe get to retirement. We cancel the insurances or they expire, and we no longer need them anymore. And we never actually claim or benefit from them in any way, shape, or form.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Kind of sounds nice when you put it that way, doesn't it?\n\nChannel 1: Yeah. Yeah. Yeah. I'll just, yeah, after all, I'm just doing a bit of research on my end at the moment too.\n\nChannel 0: Yeah. You're\n\nChannel 1: Just\n\nChannel 0: fine.\n\nChannel 1: like\n\nChannel 0: Absolutely\n\nChannel 1: yeah.\n\nChannel 0: fine. Excellent. Is I mean, at the moment, do you feel like the level of cover you have is appropriate? Did you wanna maybe look at reviewing the level of cover you have? Are you happy with that?\n\nJust\n\nChannel 1: I'll\n\nChannel 0: knowing\n\nChannel 1: I'll leave\n\nChannel 0: everything\n\nChannel 1: it as is.\n\nChannel 0: that\n\nChannel 1: I'll leave it as is for\n\nChannel 0: yeah.\n\nChannel 1: now.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I think that's going alright.\n\nChannel 0: Yeah. Yeah. Definitely. And, I mean, the good thing is you are reducing your mortgage pretty heavily. So, you know, once you do become fully debt free, obviously, that 500,000 will last would, sorry, would last a lot longer.\n\nThe other side of that is these insurances are renewed every year, and they are indexed. So you'll notice if you have think about your last year. Last year, when you did your annual review, your life and TPD, you were covered for 525,000. This year, it's gone up to 551,250. So your insurance policy is essentially indexed every year.\n\nIt does increase over time along with inflationary rate. So the idea is that because inflation eats away our buying capacity, a $100 this year isn't less than a $100 next year. If inflation is 2.5%, then a $100 is reduced in buying capacity by 2.5%. So they do increase to some insured of your insurance policy every year as it goes through renewal, so it will continuously increase in smaller increments. However, the cost is also going to increase.\n\nAs you get older, as the risk of you making a claim increases, your insurance policy is also going to get more expensive. Last year, for your insurance policy, which is kind of interesting I'm gonna pull a certificate of currency up because your insurance policy looks like it decreased in in cost, which if it did is absolutely fine, but it doesn't normally happen that way. Sorry. Let's\n\nChannel 1: Sorry.\n\nChannel 0: have\n\nChannel 1: Just\n\nChannel 0: a look.\n\nChannel 1: going back to the bet along shares.\n\nChannel 0: Yeah.\n\nChannel 1: So you're thinking of replacing it with\n\nChannel 0: Yep.\n\nChannel 1: something else, are you? Like, in dumb terms sort of just cashing in and then whatever I've got, redoing it, but\n\nChannel 0: Yes.\n\nChannel 1: somewhere else?\n\nChannel 0: Yep. Yep.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: how\n\nChannel 0: Definitely.\n\nChannel 1: much do I lose doing that?\n\nChannel 0: I'm not sure. I'll have to go back into the research. So because the investments go up and down continuously all day every day, we will do I'll do the research and recommend what I'm gonna swap then along with, how it works, and I'll put the switching cost in there for you. I'll show you what the the\n\nChannel 1: Alright.\n\nChannel 0: tax consequences would look like in the advice for you. Just\n\nChannel 1: Okay.\n\nChannel 0: because I could work out the amount now, but then when I give you the advice document, because it could be, you know, a week or two's time, the amount could be very different. So I'll open the advice I'll I'll do the research on the investments. What we're gonna switch out was look at this, obviously, the cost price, and I'll show you what the tax consequences look like for your super funds and what the difference would be in what you're invested in now versus what you would be invested in that new in that new investment. Does that sound okay?\n\nChannel 1: Yeah. Yeah. We'll do that so we change\n\nChannel 0: Yes.\n\nChannel 1: anything drastic.\n\nChannel 0: Yeah. Well, we can't change anything until you agree to the advice. So you'll get\n\nChannel 1: Yeah.\n\nChannel 0: to see the advice and then decide whether you want the switch to happen, And then you would just need to sign off those switch before we actually make that change.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. No worries. Sorry.\n\nChannel 0: Does\n\nChannel 1: I'm just\n\nChannel 0: does\n\nChannel 1: sort\n\nChannel 0: that\n\nChannel 1: of\n\nChannel 0: make\n\nChannel 1: doing\n\nChannel 0: sense?\n\nChannel 1: good.\n\nChannel 0: You're right.\n\nChannel 1: Yeah.\n\nChannel 0: You're right. You're\n\nChannel 1: Yeah.\n\nChannel 0: welcome\n\nChannel 1: So\n\nChannel 0: to ask\n\nChannel 1: it has\n\nChannel 0: more questions\n\nChannel 1: it\n\nChannel 0: and\n\nChannel 1: has\n\nChannel 0: let\n\nChannel 1: dropped\n\nChannel 0: me know.\n\nChannel 1: in\n\nChannel 0: It's\n\nChannel 1: the last\n\nChannel 0: absolutely\n\nChannel 1: couple of months,\n\nChannel 0: fine.\n\nChannel 1: hasn't it? The last three months, that's been\n\nChannel 0: It\n\nChannel 1: a\n\nChannel 0: has.\n\nChannel 1: long yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Absolutely.\n\nChannel 1: there is a chance\n\nChannel 0: And\n\nChannel 1: it\n\nChannel 0: look,\n\nChannel 1: could\n\nChannel 0: it's\n\nChannel 1: come\n\nChannel 0: not\n\nChannel 1: back.\n\nChannel 0: coming. Yeah. It it could, but the biggest thing we're finding is that it's it's because of the underlying investment. And, essentially, what's gonna happen is one of the underlying investments has had a legal problem. Because of the legal problem, it means that Venlo Long can't remove that investment.\n\nSo, yes, it could come back. It might take, you know, twelve months. It could take four years. It could take even longer than that. We kind of had to work out with our investment committee whether we wait for it to come back or whether we just decide to remove it now.\n\nThe main decision for removing it now is that Fenelon has been very volatile since COVID. It took a long time to recover from COVID. They haven't changed any of their investments within that portfolio since 2020. And generally speaking, to not do that in six years means you have to have very high conviction of those investments. But then they've now had this issue where one of their underlying investments was dishonest to the market.\n\nThat came out. They've now got a legal issue with one of their underlying investments, and they can't get out of that. Depending on how that legal issue kinda goes or what happens within the fund means that they could dip even more or they could come back. We essentially, when we looked at the risk of that, decided whilst the portfolio whilst the investment is down, it's not down as badly as what it could be. Sometimes it's best to just cut your loss, remove the investment, and find something else and get that growth moving again rather than just to cross your fingers and hope and wait that it comes back.\n\nDoes that make sense?\n\nChannel 1: Yeah. Did I what is that legal issue that they're going through?\n\nChannel 0: Yeah. One of the underlying investments I can't remember the exact name of it, but they essentially came out to the mark. Oh, it's Corporate Traveler. There it is. Corporate Traveler is one of the underlying investments.\n\nThey essentially came out to the market and didn't disclose exactly the cost that they were making. They were overcharging people and causing a lot of legal issues. That got disclosed to the market when they were audited, and then they're going through investigations and more audit. And it was more to do with their UK division. So it had quite an effect on them because of the legal issue and they're being audited and investigated.\n\nCorporate traveler was at trading halt, which meant that Bannalong could not sell their portion of that investment. But we can sell Bannalong.\n\nChannel 1: Is that alright. So that's is it what did you say? Corporate traveler management?\n\nChannel 0: It's the investment yeah. It's the underlying investment. It's corporate traveler within Bennelong.\n\nChannel 1: So not CTD, just CT.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Sorry.\n\nChannel 0: So\n\nChannel 1: I'll\n\nChannel 0: it's\n\nChannel 1: just\n\nChannel 0: better to get rid of it now. No. You're right. It's it's\n\nChannel 1: yep.\n\nChannel 0: just better to sort of get rid of it now rather than hope and wait knowing that the risk of it getting worse or getting it may not recover for a longer period of time is there.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm just writing\n\nChannel 0: Sometimes\n\nChannel 1: it down.\n\nChannel 0: it's best to yeah. You're sometimes it's best to just cut your losses and find a better investment to take its place rather than to just hope and wait that it's gonna come back. But, I mean, this this is an issue with corporate travel that happened a few months back, and Venmo hasn't come back and recovered from that. So it is best to just kind of look at removing that from your portfolio, and then we, you know, switch you out,\n\nChannel 1: I\n\nChannel 0: get\n\nChannel 1: found\n\nChannel 0: something that's\n\nChannel 1: it.\n\nChannel 0: performing better.\n\nChannel 1: I found it. It's that corporate travel\n\nChannel 0: Yeah.\n\nChannel 1: travel management, a six three d d. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. So that's the one giving me grief.\n\nChannel 0: It is. And they can't sell that from their portfolio, but we can remove you from Van Alon to make it easier.\n\nChannel 1: Say that again. Sorry.\n\nChannel 0: I said they can't sell out of that investment, so we can sell you out of Van Alon. We can get you out of Van Alon. But then a long time, they'll corporate travel out of their portfolio.\n\nChannel 1: Yeah. So I can move out of Bennelong.\n\nChannel 0: Yep.\n\nChannel 1: Alright. No worries.\n\nChannel 0: Yeah.\n\nChannel 1: I'll just write it\n\nChannel 0: It's\n\nChannel 1: down.\n\nChannel 0: a little bit. The way the investments work is a little bit funny. So you have layers. So you for your super fund, we've invested you in a portfolio. The portfolio has included Venalong.\n\nVenalong then has other investments within that, and then other investments have more investments. There's always layers to the way investing works. So it's a little bit convoluted, but yeah. Look. I definitely wanna move you out of that.\n\nI'm gonna be really honest. Strong in my conviction with that. I've been trying to move everyone out of Bangalore as quickly as we possibly can because it in the last sort of six months, it has not come back, and I don't see it coming back in a hurry. And the fact\n\nChannel 1: Yep.\n\nChannel 0: that over the last six years, it had such ups and downs. They have not made any changes to their investments. And even with the markets changing between from COVID to now, the fact that they haven't changed their underlying investments. They've held that conviction strong means that they believe in those, which is fine for them. But what you invest in in, say, six years ago might need to be altered.\n\nMarkets change, trends change, things change over time, and investment portfolios need to continuously change with that, making sure they're updated and continued along with the trend, along with what's happening, along with your goals as well. So there's nothing\n\nChannel 1: Yeah.\n\nChannel 0: wrong with removing it from your portfolio. As I said, I'll do the research around what investments we put you into as a difference. I'll show you the recommendation in the advanced document, well, on the cost involved, the advantages, disadvantages, the risks involved. You get to have a look at that, take it away, and then decide whether you're happy to take that advice or not.\n\nChannel 1: Okay. And that'll be about a week or two.\n\nChannel 0: Yeah. So what I'll do is after the call, I'll book you in for two weeks. I'll do the my payment, I will do this all the research in the meantime, and then we'll come back in two weeks, and we'll go through that together. Does that\n\nChannel 1: Yeah.\n\nChannel 0: sound\n\nChannel 1: That's\n\nChannel 0: okay?\n\nChannel 1: yeah. That sounds\n\nChannel 0: Yeah.\n\nChannel 1: good. Yep.\n\nChannel 0: Beautiful. Beautiful.\n\nChannel 1: Okay. Awesome.\n\nChannel 0: Excellent. All good. Now just sort of back to the insurance side of things, you don't have any income protection or any trauma. Has anyone ever spoken to you about income protection in the past? And so what would happen if you were unable to get to work in the short term?\n\nI know you're off at the moment, but how\n\nChannel 1: We\n\nChannel 0: do you\n\nChannel 1: get\n\nChannel 0: sort of cover your income?\n\nChannel 1: we get being with the union, we get ACERT. So we get up to two years income protection.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. So I think that's why I've\n\nChannel 0: Perfect.\n\nChannel 1: never done that because that's all part of our union fees.\n\nChannel 0: Oh, you need these? Absolutely fine. That's not a problem. Also, you have sort of income protection covered with the union there to cover you. That's absolutely fine.\n\nThat's\n\nChannel 1: Yeah.\n\nChannel 0: perfect.\n\nChannel 1: I think it's up to 85% of the wage. So I I know\n\nChannel 0: That's\n\nChannel 1: one of the\n\nChannel 0: actually\n\nChannel 1: boys,\n\nChannel 0: very\n\nChannel 1: he got\n\nChannel 0: good.\n\nChannel 1: yeah. He got to buy a car or something on his bike, and\n\nChannel 0: Yeah.\n\nChannel 1: he's been up eight months, and he's still getting, I think, $8,800 in the end every week. So\n\nChannel 0: Oh, fantastic. That's\n\nChannel 1: yeah.\n\nChannel 0: really, really\n\nChannel 1: Yeah.\n\nChannel 0: good. Yeah. Do you reckon you'll be needing to claim on that with the surgery you've gone through,\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: No.\n\nChannel 0: do you think\n\nChannel 1: No.\n\nChannel 0: you'll\n\nChannel 1: I've\n\nChannel 0: be back\n\nChannel 1: only\n\nChannel 0: at\n\nChannel 1: got,\n\nChannel 0: work before\n\nChannel 1: like,\n\nChannel 0: then?\n\nChannel 1: two two, three weeks off, and that's it.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: I've got another three weeks off, and yeah. Yeah.\n\nChannel 0: Lovely. Lovely.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. With the insurances, so, like, your life and TPD is paid for inside super. However, with other insurances like trauma and things like that, you have to pay them outside of you obviously don't have any trauma insurance. And just to give you a bit of a lowdown, trauma can cover you or pay out a lump sum benefit if you're diagnosed with a major condition, things like heart attack, stroke, cancer is probably the biggest one, Parkinson's. Not having trauma means you don't have that level of cover.\n\nDid you wanna look at getting any trauma or any other types of insurance that you don't currently hold? Are you just happy with your life and CBD?\n\nChannel 1: Yeah. I'm just happy with that for now. I think I'll be right for the next\n\nChannel 0: Yes.\n\nChannel 1: couple of years at least.\n\nChannel 0: No. That's absolutely fine. That's not a problem at all. Beautiful. Well, that's essentially going through all of those documents there.\n\nThe only other ones attached are our financial services guide, which outlines all the information on myself, on OB Financial, all of our services that we do provide. We've got the ongoing service fee agreement there as well for the next twelve months. So as a client, you do pay us an ongoing service fee for monitoring, looking after your super, updating, providing advice, doing news reviews, and sort of tracking forward towards your retirement goals there. The ongoing service fee is 1.65 per annum. It is deducted in smaller monthly increments out of your super, the idea is as a percentage fee, it does fluctuate with the market.\n\nSo it does work in your benefit where the market is higher. It means that our fee is gonna be slightly higher. However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well.\n\nChannel 1: Yeah.\n\nChannel 0: So, essentially, what I'll get you to do is have a look through those documents there. If you are happy with everything, we'll get you to sign and return that back there for us, and that allows us to continue looking after everything for the next twelve months. I'll go back and review your portfolio, look at how it has performed, all the costs involved, make a recommendation on switching out that then along. I'll look at the other investments as well and see if there's anything else that flags we might need to move or if there's a better performing portfolio that, you know, could provide greater benefit moving forward, and I'll update the advice for you to reflect the recommendations, the cost involved, advantages, disadvantages, or risks for you to consider. Does that make all sense?\n\nDo you have any questions there, Dustin? Sorry. I go through quite a lot.\n\nChannel 1: No. You're alright. I'm just trying to sign this thing, but it's pretty hard to do on your phone.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: It doesn't. Why is it don't ring on crazy.\n\nChannel 0: Is it just spinning like a wheel of\n\nChannel 1: Yeah.\n\nChannel 0: death?\n\nChannel 1: It's moving with the fan. Why is it done? Oh god. How is this? I'll just do it with the order.\n\nOrder will do.\n\nChannel 0: Yeah. That'll be fine.\n\nChannel 1: Alright. No sign on.\n\nChannel 0: Legend. Thank\n\nChannel 1: Hang\n\nChannel 0: you for\n\nChannel 1: on.\n\nChannel 0: that. All good. Now I just wanted to update all of your circumstances here. Just checking to see what may have changed in your life. I've updated your mortgage, which is fantastic.\n\nOther assets I had, you've got a boat. Do you still have that\n\nChannel 1: Yep.\n\nChannel 0: boat?\n\nChannel 1: Yeah. Still what about it. Still sits there though.\n\nChannel 0: Yeah. Love\n\nChannel 1: Yeah.\n\nChannel 0: it's all good. I've got a value of 25,000 on that one. Would you still value it the same or\n\nChannel 1: Yeah. It's still, yeah, it's still be around the $25.\n\nChannel 0: yes. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: I've got your car down with a value of 45,000. Would that be fairly accurate?\n\nChannel 1: The yeah. It's probably down about 35 maybe now. 40,\n\nChannel 0: Yep.\n\nChannel 1: somewhere.\n\nChannel 0: Perfect. Yeah. Absolutely fine. Let's leave it at 40. Beautiful.\n\nI've got down your asset value about 15,000.\n\nChannel 1: Yeah. I've got a different unit now, but, yeah, about the same cost.\n\nChannel 0: Okay. Beautiful. And we have here about 80,000 in savings that you are planning to use towards some renovations.\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: that's up to about 93. That's\n\nChannel 0: okay.\n\nChannel 1: up\n\nChannel 0: Beautiful.\n\nChannel 1: to that.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: that's from the offset account? Yeah. Perfect. Beautiful. And then I've got here some solar, which you had about 18,000 of debt on.\n\nHave you paid down the solar?\n\nChannel 1: Yeah. That should be coming down every couple of grand every year for the next five years. So\n\nChannel 0: Okay.\n\nChannel 1: that should\n\nChannel 0: Perfect.\n\nChannel 1: be down in the 12 or something by now, surely.\n\nChannel 0: Yeah. Absolutely. We'll knock that down for you. Fantastic. Any other assets or shares or cryptocurrency or anything else that you might have there at the moment we should probably note down?\n\nChannel 1: No. That's that's it, really. I I did join\n\nChannel 0: That's okay.\n\nChannel 1: BMX. I was gonna start trading, but I don't really know what I'm doing. So I'm gonna just leave it for now.\n\nChannel 0: Yeah. That's okay. Look, honestly, as advisers, we do also do not just super insurances, but we do build investment portfolios so you can build wealth outside of super if that's one of your goals as well. So if you do wanna sort of have that conversation, talk more about what else we can do, or look at building wealth outside of Super, let us know. We can definitely help you along with that as well.\n\nOkay?\n\nChannel 1: Yeah. I thought cool. Awesome.\n\nChannel 0: Fantastic. I did have a look at your beneficiary nominations as well, and I just wanted to clarify. So I've got Kristen down as a yeah. As a beneficiary on both your life insurance and your super, but her name is different on both of them. Her surname is different on each.\n\nChannel 1: Yeah.\n\nChannel 0: What\n\nChannel 1: So\n\nChannel 0: surname\n\nChannel 1: it's good.\n\nChannel 0: does she give\n\nChannel 1: Me now. We\n\nChannel 0: us?\n\nChannel 1: got married last year. So\n\nChannel 0: Okay. So\n\nChannel 1: yep.\n\nChannel 0: it's\n\nChannel 1: So\n\nChannel 0: her\n\nChannel 1: the same surname\n\nChannel 0: the life\n\nChannel 1: is mine.\n\nChannel 0: okay. So her life insurance is under the maiden name, and her ID is all in your married name?\n\nChannel 1: Yeah. Sorry. Can we have it all as just my surname\n\nChannel 0: Absolutely. Yeah. Absolutely. Because we will need to update that one. So what I'll do is I'll get a new beneficiary set up for the life insurance with MetLife.\n\nI'll get that are you happy for us to prefill that with her\n\nChannel 1: now?\n\nChannel 0: information?\n\nChannel 1: Yeah. Yeah. Yeah. Changed the\n\nChannel 0: Yep.\n\nChannel 1: last their name and yeah. I'll stay in the for about\n\nChannel 0: Fantastic.\n\nChannel 1: a week today.\n\nChannel 0: That's okay. My main concern is if something did happen and she was then gone claim, not having the correct name as her ID causes a bit of an issue and can make the claim a lot harder. So it's all best to have\n\nChannel 1: No.\n\nChannel 0: it updated now or to reflect. That way, if in the event something happens, it's all sorted. I also kind of like to point out as well just letting her know that you do have life insurance and super and that if she ever did need to make a claim on those, just to call us and we would help facilitate the claim for her. So I have just had it in the past where clients have not made mention of an adviser, they passed away, and, yeah, a few months later, someone calls up and goes, hey. Who are you?\n\nWhat do you do? And we have to explain what we do, how things work, and we help them do the claim, you\n\nChannel 1: Yeah.\n\nChannel 0: know,\n\nChannel 1: Okay.\n\nChannel 0: several\n\nChannel 1: I she\n\nChannel 0: months\n\nChannel 1: does\n\nChannel 0: down\n\nChannel 1: not\n\nChannel 0: the\n\nChannel 1: allow\n\nChannel 0: track.\n\nChannel 1: you guys. She probably reached out\n\nChannel 0: Yeah.\n\nChannel 1: quickly.\n\nChannel 0: Yeah. No. That's okay. Fantastic. And, look, honestly, we hope nothing happens.\n\nI want you to get to retirement. You know, once your kids grow up and get old and go through life perfectly fine, and we just always have to make sure these little things are all in place to protect you in the event that something happens. Yeah.\n\nChannel 1: Yes. Definitely.\n\nChannel 0: Excellent. On your super, your beneficiary nomination is set up as a binding lapsing nomination. That essentially means that we you'll need to resign that dot that nomination form every three years. You have other options for beneficiary nominations. One of them is a non lapsing binding, which means you fill the nomination out now and you never have to fill it out again.\n\nIt stays in place. Are you happy with your super nomination refilling the document out every three years, or did you want me to update that so you do it once and\n\nChannel 1: No.\n\nChannel 0: never\n\nChannel 1: Let's\n\nChannel 0: have\n\nChannel 1: let's just\n\nChannel 0: signed\n\nChannel 1: leave\n\nChannel 0: it again?\n\nChannel 1: it every three years just in case something\n\nChannel 0: Yep.\n\nChannel 1: happens. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, we'll leave it out for now.\n\nChannel 0: Yep. Absolutely fine. Not a problem at all. With your super life insurance, did you want me to I'll double check whether MetLife allows for non lapsing binding or just lapsing binding. But if they have the option between two, do you want it to be the same as your super so it just gets updated every three years?\n\nChannel 1: Yeah. We'll do that. Yep.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah. Take\n\nChannel 0: No\n\nChannel 1: it\n\nChannel 0: worries.\n\nChannel 1: off at the same time. Same thing.\n\nChannel 0: Yep. That's that's fine. Not a problem at all. We'll get that sorted for you and resent out. Is emailing or posting that beneficiary nomination to be signed gonna be easier for you?\n\nChannel 1: Pardon? Pardon? Say that again. Sorry.\n\nChannel 0: That's okay. Did you wanna email or post that nomination to you?\n\nChannel 1: Email it to us, and then, yeah, I can do it\n\nChannel 0: Email.\n\nChannel 1: all online then. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: You\n\nChannel 0: Perfect.\n\nChannel 1: should have that\n\nChannel 0: All\n\nChannel 1: done\n\nChannel 0: good.\n\nChannel 1: being through to now. Just did it. I assigned request\n\nChannel 0: Yep.\n\nChannel 1: with this one.\n\nChannel 0: Oh, beautiful. Thank you so much for that.\n\nChannel 1: Yep.\n\nChannel 0: The other thing I have down here is that you guys didn't have a will and power of attorney, Daf. Have you spoken about seeking the services\n\nChannel 1: Oh,\n\nChannel 0: of,\n\nChannel 1: we're going\n\nChannel 0: like,\n\nChannel 1: to\n\nChannel 0: a\n\nChannel 1: do\n\nChannel 0: lawyer?\n\nChannel 1: a wheel. Yeah. I we just got lost in the whole processing, and we just want to have\n\nChannel 0: Yes.\n\nChannel 1: them simple and easy to\n\nChannel 0: Yep.\n\nChannel 1: to do,\n\nChannel 0: That's\n\nChannel 1: to be honest.\n\nChannel 0: okay. There is all of the states do have local trustees, which you can do will kits very, very simply. If you did you want me to do up an email? I have some information on the, like, the local government trust fees that can help you to do a very simple will. They do them over the phone via email or just in the local\n\nChannel 1: Yeah.\n\nChannel 0: government\n\nChannel 1: Can you\n\nChannel 0: office.\n\nChannel 1: do that for\n\nChannel 0: Did you\n\nChannel 1: us,\n\nChannel 0: want\n\nChannel 1: please?\n\nChannel 0: me to find yeah. I'll find that information to email through to you. Sometimes that can just make things a lot simpler and easier.\n\nChannel 1: Yeah. That that is one thing we've they've been in been in to.\n\nChannel 0: Okay. Yeah. No. That's okay. Not an issue at all.\n\nAnd so just with your super, you're obviously in that high growth environment. It does suit someone who's not accessing super for the next sort of know, eight to ten years. You've got a lot longer than that ahead of you. Are you happy to stay in that high growth environment, or did you wanna reassess your risk level with the super asset\n\nChannel 1: That's\n\nChannel 0: allocation?\n\nChannel 1: the someone last year, but it's still you can go even higher risk, But they said maybe just leave it as is for now. So\n\nChannel 0: Yeah. Yeah. I think\n\nChannel 1: I'll\n\nChannel 0: one\n\nChannel 1: say\n\nChannel 0: of the\n\nChannel 1: higher\n\nChannel 0: difference\n\nChannel 1: risk.\n\nChannel 0: yeah. So the the high growth and the aggressive I mean, to go up from where you are aggressive, you're a 100% invested in equities and growth investments. So the benefit to having a high growth portfolio is you do have some defensive investments because there are times when equities see a lot of volatility, and this is probably a really good example of that with the war between The US and Iran. And so having defensive investments often provides some downside protection for when those equities are fluctuating pretty heavily. So that high growth environment has that ninety, ten split, whereas if you took on a big risk and moves more aggressive, you're a 100% in equities with essentially no defensive investment as a bit of a backup.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: high growth is absolutely fine. It's not in any way, shape, or form bad. It's honestly suited to your time horizon. If you wanted to go a bit more aggressive, you could, But having some defensive investments does give you some long term downside protection as well.\n\nChannel 1: Yep. No. I'll leave it as is for now for the time being.\n\nChannel 0: Yep. That's absolutely fine. Beautiful. The only other thing to check here, I've got income. Your income last year was about 160,000.\n\nHave you had a pay rise since then? Or\n\nChannel 1: A little bit more overtime. I got cleared to 10 or something this year.\n\nChannel 0: fantastic. Excellent. And you're still salary sacrificing about 5% of your wage?\n\nChannel 1: Yeah. Five and a half percent, I think it was, or 5%. Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. Still happy to continue with that. That's definitely helping long term.\n\nChannel 1: Yeah. Yeah. Leave it as is.\n\nChannel 0: Yep. Beautiful. And are you finding that you're still saving a bit? We had down here that you had about two or averaged about $200 per week savings last year. Are you still finding that you're saving that fairly fairly\n\nChannel 1: Yeah.\n\nChannel 0: well with income?\n\nChannel 1: Look. But I make good pays. I you know, I put $500,000 away. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Sort of monthly. So,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, still safe.\n\nChannel 0: Yes.\n\nChannel 1: Just a bit of stuff issue, holidays, marriage, all that\n\nChannel 0: Yep.\n\nChannel 1: crap.\n\nChannel 0: All the expenses stuff. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. Fantastic. And long term goals, we're working towards, hopefully, retiring at the age of 60 on about $1,500 per week. Is that still your goal for that\n\nChannel 1: Yes.\n\nChannel 0: long term\n\nChannel 1: Yes.\n\nChannel 0: for\n\nChannel 1: So\n\nChannel 0: the\n\nChannel 1: that\n\nChannel 0: horizon?\n\nChannel 1: the mortgage paid off and that's why there's and, yeah,\n\nChannel 0: Yep.\n\nChannel 1: what part that's got overall\n\nChannel 0: You.\n\nChannel 1: super, so it might be a bit different.\n\nChannel 0: Yeah. That's okay. Well, when we get closer to that, one of the things I do sort of like if she's comfortable with that down the track, when you get into sort of the fifties and we're sort of looking at the time that we can look at both of them for you and sort of see how things should be structured, how the drawdown looks, and what the longevity of looks like. But that's kind of for you a long time down the track. We'll sort of focus on trying to build that as much as as we can over the next five to ten years and keep doing that as we get further and closer and closer to retirement.\n\nOkay?\n\nChannel 1: Yeah. Yeah. What is with the Superb, what where am I allowed to take it?\n\nChannel 0: So the earliest you can is 60 currently. As long as you fully retire, if you keep working past 60 at 65, they will just allow you to access your super regardless of whether you're working or not.\n\nChannel 1: Yeah. Okay. No worries.\n\nChannel 0: Yeah. Are\n\nChannel 1: Oh, okay.\n\nChannel 0: you want are you wanting to sort of look at trying to retire earlier than that, or you think\n\nChannel 1: Oh,\n\nChannel 0: 60\n\nChannel 1: yeah.\n\nChannel 0: would\n\nChannel 1: That'd\n\nChannel 0: be\n\nChannel 1: be\n\nChannel 0: the\n\nChannel 1: a bit\n\nChannel 0: age?\n\nChannel 1: better. It'd be good to retire in this year.\n\nChannel 0: Yes. Yep. And, look, you absolutely can. It's just about looking at ways to build wealth outside of Super, whether that be, you know, buying investment property and kind of build that up and sell it off or whether you invest\n\nChannel 1: Year.\n\nChannel 0: in a investment portfolio outside of Super. You absolutely can look to retire earlier, but we just have to find ways to supplement the wealth and the income between 50 to 60.\n\nChannel 1: Yeah. Yeah. Well,\n\nChannel 0: Yeah.\n\nChannel 1: that's not talk to my partner about.\n\nChannel 0: Absolutely. Yeah. And I just if that's something you wanna do, let us know. We can definitely help you out and talk to you and provide additional advice in those areas. So, yeah, just have a chat about what your joint goals are.\n\nAbsolutely.\n\nChannel 1: Yeah.\n\nChannel 0: The only other thing I had here was that you guys were looking to save up for a new kitchen. Has that kitchen been installed, or is that still on the list?\n\nChannel 1: You're a long list. Yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: All\n\nChannel 1: I honestly don't wanna spend it because the money I spend at the offset, the more I end up paying back on the mortgage. So\n\nChannel 0: absolutely. And interest rates are going up again at the moment, so we wanna limit that as much as possible. Yeah. Absolutely. No.\n\nAll good. Essentially, from here, I'll just go back and do some research there for you. Well, I've got you I'll book you in now for the next two weeks so we can go through that advice document together. I know you may be back at work in that two week period. When normally, when would be the best time to sort of go through things with you and have that chat?\n\nChannel 1: Think I'm still off for two weeks today. So if we can get\n\nChannel 0: Okay.\n\nChannel 1: it some like, probably the Monday or Tuesday in in a fortnight or\n\nChannel 0: Good.\n\nChannel 1: Wednesday.\n\nChannel 0: Absolutely. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So I have availability Monday the twentieth for you if you like.\n\nChannel 1: Yeah.\n\nChannel 0: I can do 5PM if that's okay.\n\nChannel 1: Yeah. That's that's pretty late enough. I'll I'll still be at\n\nChannel 0: Perfect. Yep. Perfect. I'll book\n\nChannel 1: home.\n\nChannel 0: that one in there for you. I'll add a little text message reminder because it is about two weeks away. Sorry. The message will come out to let you know that you had we had you booked in for your advice presentation, and I'll give you a call at 5PM. We'll run through that.\n\nIt won't take very long, and then you'll get to go back and have a really good read at the document. Okay?\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: That's okay. Not a problem. I will let you go. That's basically everything to go through and update there for you. I know I've gone through a fair bit and jumped around.\n\nIs there any additional questions that may have come out or anything else that I might not have touched on?\n\nChannel 1: No. That's it. I think the biggest one was just moving out of the whatever it was that funds\n\nChannel 0: Been\n\nChannel 1: penalized.\n\nChannel 0: along? Yeah. Yep. Yep.\n\nChannel 1: K. So\n\nChannel 0: Absolutely.\n\nChannel 1: instead of that one.\n\nChannel 0: Yeah. No. Absolutely. Let's get you out of that and get your portfolio continuous working and compounding. We wanna get you the best possible retirement possible.\n\nBecause, I mean,\n\nChannel 1: Yeah.\n\nChannel 0: you've got a lot of working life ahead of you, but you also spend, you know, anywhere from twenty, thirty, or forty years in retirement. That's a long time to be retired. The money\n\nChannel 1: Car.\n\nChannel 0: needs to last as long as possible for you. So\n\nChannel 1: Definitely.\n\nChannel 0: all good, Justin. Look. Thank you so much for your time. It was honestly an absolute pleasure to chat to you today. I hope you have a really good week.\n\nThe kids are all on school holidays with you. Or\n\nChannel 1: Yeah. They're all at push and yeah. Yeah. About\n\nChannel 0: yes.\n\nChannel 1: a dozen. So at home by myself at the moment.\n\nChannel 0: Oh, look. That's not a bad thing. Enjoy that time.\n\nChannel 1: You do.\n\nChannel 0: Oh, good, Dustin. Well, I'll talk to you on the twentieth. I'll do the ring test in the meantime. You have a lovely week, and I hope you have a good recovery. And I'll talk to you soon.\n\nChannel 1: Thank you very much. Okay. Bye. Have a good day.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.02946080267429352}],"sentiment":"neutral","sentiment_score":0.02946080267429352,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hi, Dustin.","start":1.5999999,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.11989613622426987},{"text":"It's Dana from Oakview Financial.","start":2.3999999,"end":4.24,"sentiment":"neutral","sentiment_score":0.17530674040317534},{"text":"How are you this 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smile's steady.","start":27.654999,"end":28.955,"sentiment":"neutral","sentiment_score":0.2605578899383545}],"sentiment":"neutral","sentiment_score":0.2605578899383545,"channel":1,"num_words":3,"start":27.654999,"end":28.955},{"sentences":[{"text":"Yep.","start":29.78,"end":30.28,"sentiment":"neutral","sentiment_score":0.13499155640602112},{"text":"Yep.","start":30.34,"end":30.58,"sentiment":"neutral","sentiment_score":0.0982418656349182},{"text":"We","start":30.58,"end":30.82,"sentiment":"neutral","sentiment_score":0.119281604886055}],"sentiment":"neutral","sentiment_score":0.11750500897566478,"channel":0,"num_words":3,"start":29.78,"end":30.82},{"sentences":[{"text":"Yeah.","start":30.6,"end":31.1,"sentiment":"neutral","sentiment_score":0.13562197983264923}],"sentiment":"neutral","sentiment_score":0.13562197983264923,"channel":1,"num_words":1,"start":30.6,"end":31.1},{"sentences":[{"text":"got plenty of Netflix to watch or something to read.","start":30.82,"end":33.4,"sentiment":"neutral","sentiment_score":0.11961698383092881}],"sentiment":"neutral","sentiment_score":0.11961698383092881,"channel":0,"num_words":10,"start":30.82,"end":33.4},{"sentences":[{"text":"Yeah.","start":33.96,"end":34.28,"sentiment":"neutral","sentiment_score":0.0419594831764698},{"text":"I've been reading like crazy and","start":34.28,"end":36.2,"sentiment":"neutral","sentiment_score":0.024772699922323227}],"sentiment":"neutral","sentiment_score":0.027227954672915593,"channel":1,"num_words":7,"start":33.96,"end":36.2},{"sentences":[{"text":"Oh, well, I hope your recovery 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that.","start":42.02,"end":42.84,"sentiment":"neutral","sentiment_score":-0.025981998691956203},{"text":"All","start":43.235,"end":43.395,"sentiment":"neutral","sentiment_score":-0.0421660952270031}],"sentiment":"neutral","sentiment_score":-0.030028022825717926,"channel":0,"num_words":4,"start":42.02,"end":43.395},{"sentences":[{"text":"No.","start":43.24,"end":43.48,"sentiment":"neutral","sentiment_score":-0.14178550243377686}],"sentiment":"neutral","sentiment_score":-0.14178550243377686,"channel":1,"num_words":1,"start":43.24,"end":43.48},{"sentences":[{"text":"good.","start":43.395,"end":43.895,"sentiment":"neutral","sentiment_score":-0.10373710095882416}],"sentiment":"neutral","sentiment_score":-0.10373710095882416,"channel":0,"num_words":1,"start":43.395,"end":43.895},{"sentences":[{"text":"That's 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showing it's down a little bit at the moment is pretty significant.","start":294.565,"end":298.825,"sentiment":"neutral","sentiment_score":-0.22642809678526485},{"text":"I went back and had a really good look at Bannalong as a whole.","start":299.525,"end":302.405,"sentiment":"neutral","sentiment_score":0.024631634088499204}],"sentiment":"neutral","sentiment_score":-0.05229197185978575,"channel":0,"num_words":106,"start":271.145,"end":302.405},{"sentences":[{"text":"Unfortunately, they've had some underlying issues within their investment portfolios, so we do wanna look at maybe switching it out of that investment.","start":302.405,"end":310.025,"sentiment":"negative","sentiment_score":-0.3587634667106297},{"text":"I think one of the most important things to note is that whilst you do have a good time horizon ahead of you, we don't wanna see you in any investments that are underperforming for too long.","start":310.245,"end":319.66,"sentiment":"neutral","sentiment_score":-0.20648926194455172},{"text":"If something's underperforming and there's an issue within the investment, we need to maybe look at removing that out and replacing it fairly quickly so your portfolio can continue to grow.","start":319.66,"end":329.315,"sentiment":"neutral","sentiment_score":-0.23608758877361974},{"text":"Does that make sense?","start":329.315,"end":330.375,"sentiment":"neutral","sentiment_score":-0.03342138044536114}],"sentiment":"neutral","sentiment_score":-0.24572698105322688,"channel":0,"num_words":95,"start":302.405,"end":330.375},{"sentences":[{"text":"Yeah.","start":330.565,"end":330.965,"sentiment":"neutral","sentiment_score":-0.03822652250528336},{"text":"Well, I'll take a lost chopping and changing that one.","start":330.965,"end":334.105,"sentiment":"neutral","sentiment_score":-0.06641016416251659}],"sentiment":"neutral","sentiment_score":-0.06384801492094994,"channel":1,"num_words":11,"start":330.565,"end":334.105},{"sentences":[{"text":"It depends.","start":335.07498,"end":335.815,"sentiment":"neutral","sentiment_score":-0.036268819123506546},{"text":"So there is a bit of a down.","start":335.875,"end":337.92,"sentiment":"neutral","sentiment_score":-0.07775878347456455},{"text":"Have you looked at your portfolio at the moment?","start":337.92,"end":340.26,"sentiment":"neutral","sentiment_score":-0.08507486267222299},{"text":"There is a tax liability of just over $1,000.","start":340.64,"end":343.84,"sentiment":"neutral","sentiment_score":-0.21174676385190752},{"text":"So if we do sell that, it does mean that the portfolio that we do cement any losses that are being seen within the portfolio as a whole.","start":343.84,"end":351.62,"sentiment":"neutral","sentiment_score":-0.16912017576396465}],"sentiment":"neutral","sentiment_score":-0.1446672761812806,"channel":0,"num_words":56,"start":335.07498,"end":351.62},{"sentences":[{"text":"However, when you consider the tax consequences, so capital gains inside the super system are taxed at 15%.","start":352.565,"end":360.005,"sentiment":"neutral","sentiment_score":-0.27990512053171795},{"text":"If you tell the investment for more than twelve months, it's taxed at 10%.","start":360.005,"end":363.605,"sentiment":"neutral","sentiment_score":-0.1968499549797603},{"text":"You get a discount on that.","start":363.605,"end":364.98,"sentiment":"neutral","sentiment_score":-0.14089970787366232},{"text":"So you're not while it","start":365.46002,"end":367.14,"sentiment":"neutral","sentiment_score":-0.11516700088977813}],"sentiment":"neutral","sentiment_score":-0.21431220444135887,"channel":0,"num_words":43,"start":352.565,"end":367.14},{"sentences":[{"text":"Yes.","start":367.09,"end":367.59,"sentiment":"neutral","sentiment_score":-0.1308058798313141}],"sentiment":"neutral","sentiment_score":-0.1308058798313141,"channel":1,"num_words":1,"start":367.09,"end":367.59},{"sentences":[{"text":"shows the earnings are down by $7,800, you're actually not cementing the whole 7,000 loss.","start":367.14,"end":373.24002,"sentiment":"negative","sentiment_score":-0.45752519369125366},{"text":"The loss would essentially be or the capital loss would essentially be the tax consequences for that.","start":373.38,"end":378.5,"sentiment":"negative","sentiment_score":-0.46937599076944236},{"text":"So out of that 15","start":378.5,"end":379.94,"sentiment":"neutral","sentiment_score":-0.09353333115577697}],"sentiment":"negative","sentiment_score":-0.41378206497914083,"channel":0,"num_words":37,"start":367.14,"end":379.94},{"sentences":[{"text":"Alright.","start":379.505,"end":379.825,"sentiment":"neutral","sentiment_score":-0.0051578981801867485},{"text":"Which","start":379.825,"end":380.065,"sentiment":"neutral","sentiment_score":-0.006487315520644188}],"sentiment":"neutral","sentiment_score":-0.005822606850415468,"channel":1,"num_words":2,"start":379.505,"end":380.065},{"sentences":[{"text":"percent,","start":379.94,"end":380.44,"sentiment":"neutral","sentiment_score":0.0007095746695995331}],"sentiment":"neutral","sentiment_score":0.0007095746695995331,"channel":0,"num_words":1,"start":379.94,"end":380.44},{"sentences":[{"text":"one which one is this one we're talking about?","start":380.065,"end":382.325,"sentiment":"neutral","sentiment_score":0.009142784194813834}],"sentiment":"neutral","sentiment_score":0.009142784194813834,"channel":1,"num_words":9,"start":380.065,"end":382.325},{"sentences":[{"text":"the Benelon Australian equity is the very first investment.","start":383.10498,"end":386.005,"sentiment":"neutral","sentiment_score":0.049770207040839724}],"sentiment":"neutral","sentiment_score":0.049770207040839724,"channel":0,"num_words":9,"start":383.10498,"end":386.005},{"sentences":[{"text":"Oh, yeah.","start":387.42502,"end":387.98502,"sentiment":"neutral","sentiment_score":0.023823603987693787},{"text":"The top one.","start":387.98502,"end":388.92,"sentiment":"neutral","sentiment_score":0.02448913703362147},{"text":"See, I've got","start":389.08002,"end":389.52002,"sentiment":"neutral","sentiment_score":0.00896722295631965}],"sentiment":"neutral","sentiment_score":0.018502035993151367,"channel":1,"num_words":8,"start":387.42502,"end":389.52002},{"sentences":[{"text":"Yeah.","start":389.425,"end":389.925,"sentiment":"neutral","sentiment_score":0.02454220876097679}],"sentiment":"neutral","sentiment_score":0.02454220876097679,"channel":0,"num_words":1,"start":389.425,"end":389.925},{"sentences":[{"text":"a fair bid in that.","start":389.52002,"end":390.86002,"sentiment":"neutral","sentiment_score":0.053509381413459775}],"sentiment":"neutral","sentiment_score":0.053509381413459775,"channel":1,"num_words":5,"start":389.52002,"end":390.86002},{"sentences":[{"text":"Yeah.","start":392.065,"end":392.54498,"sentiment":"neutral","sentiment_score":-0.029661737382411957},{"text":"I mean, realistically, you had about less than 10% of your 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what's the","start":400.04,"end":401.16,"sentiment":"neutral","sentiment_score":-0.02507050211230914}],"sentiment":"neutral","sentiment_score":-0.02507050211230914,"channel":1,"num_words":3,"start":400.04,"end":401.16},{"sentences":[{"text":"but","start":401.03,"end":401.53,"sentiment":"neutral","sentiment_score":-0.019270706921815872}],"sentiment":"neutral","sentiment_score":-0.019270706921815872,"channel":0,"num_words":1,"start":401.03,"end":401.53},{"sentences":[{"text":"34,000 there?","start":401.16,"end":402.7,"sentiment":"neutral","sentiment_score":-0.0253931088373065}],"sentiment":"neutral","sentiment_score":-0.0253931088373065,"channel":1,"num_words":2,"start":401.16,"end":402.7},{"sentences":[{"text":"the 34,000,","start":403.51,"end":404.81,"sentiment":"neutral","sentiment_score":-0.018974536564201117}],"sentiment":"neutral","sentiment_score":-0.018974536564201117,"channel":0,"num_words":2,"start":403.51,"end":404.81},{"sentences":[{"text":"The market value start period.","start":404.345,"end":406.365,"sentiment":"neutral","sentiment_score":-0.02000792734324932},{"text":"Alright.","start":407.545,"end":408.045,"sentiment":"neutral","sentiment_score":-0.007816984318196774}],"sentiment":"neutral","sentiment_score":-0.017976103505740564,"channel":1,"num_words":6,"start":404.345,"end":408.045},{"sentences":[{"text":"That's how much you had in the investment total last year.","start":408.645,"end":412.245,"sentiment":"neutral","sentiment_score":-0.024626829238100487},{"text":"So at the start of the time frame, this is the ninth of the seventh last year, you had 34,445 in there.","start":412.245,"end":418.98,"sentiment":"neutral","sentiment_score":-0.04939266548238017},{"text":"And 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you","start":444.475,"end":444.955,"sentiment":"neutral","sentiment_score":-0.04535768087953329}],"sentiment":"neutral","sentiment_score":-0.04268830890456835,"channel":1,"num_words":6,"start":443.515,"end":444.955},{"sentences":[{"text":"Yeah.","start":444.90002,"end":445.40002,"sentiment":"neutral","sentiment_score":-0.05929769575595856}],"sentiment":"neutral","sentiment_score":-0.05929769575595856,"channel":0,"num_words":1,"start":444.90002,"end":445.40002},{"sentences":[{"text":"recommend?","start":444.955,"end":445.455,"sentiment":"neutral","sentiment_score":-0.08104699850082397},{"text":"Just getting rid of that one?","start":445.755,"end":447.15,"sentiment":"neutral","sentiment_score":-0.15049748122692108}],"sentiment":"neutral","sentiment_score":-0.1405759836946215,"channel":1,"num_words":7,"start":444.955,"end":447.15},{"sentences":[{"text":"Absolutely.","start":447.62003,"end":448.12003,"sentiment":"neutral","sentiment_score":-0.05229012295603752},{"text":"Yeah.","start":448.26,"end":448.58002,"sentiment":"neutral","sentiment_score":-0.09793421626091003},{"text":"Look.","start":448.58002,"end":448.90002,"sentiment":"neutral","sentiment_score":-0.17828583717346191},{"text":"It does mean cementing a loss, but we are removing that from the portfolios now.","start":448.90002,"end":453.06,"sentiment":"neutral","sentiment_score":-0.2822492867708206},{"text":"We just have to update the advice and make sure that we recommend a new investment to put in its place.","start":453.06,"end":459.16,"sentiment":"neutral","sentiment_score":-0.0990673718707902}],"sentiment":"neutral","sentiment_score":-0.17032472531382853,"channel":0,"num_words":39,"start":447.62003,"end":459.16},{"sentences":[{"text":"Having a look, as I said, I had a bit of a look beforehand to see what's been going on with the portfolio and how things are going.","start":460.39502,"end":466.635,"sentiment":"neutral","sentiment_score":-0.07619628217071295},{"text":"The issues within Better Long are because the investments have had some not great investments have had some issues within their portfolios, And the fact that it's down quite heavily, it is best to kind of remove that now.","start":466.635,"end":479.06,"sentiment":"negative","sentiment_score":-0.43777741549106747},{"text":"We are cementing a little bit of a loss, but cementing a little bit of a loss does is a benefit because you you don't have your fund doesn't pay any capital gains.","start":479.06,"end":487.78,"sentiment":"neutral","sentiment_score":-0.030727858796264187},{"text":"It doesn't normally have to pay taxes for doing so.","start":487.78,"end":490.965,"sentiment":"neutral","sentiment_score":-0.06348045864142478},{"text":"So what I can do is I've got a couple of options.","start":491.505,"end":493.905,"sentiment":"neutral","sentiment_score":0.08527434493104617}],"sentiment":"neutral","sentiment_score":-0.16256022042991808,"channel":0,"num_words":122,"start":460.39502,"end":493.905},{"sentences":[{"text":"Now one of the big things with Stand Along is that it's more of an actively managed fund.","start":493.905,"end":498.545,"sentiment":"neutral","sentiment_score":0.025772954751220014},{"text":"So the investment manager for that fund is trying to buy and sell out perform against the market they clearly haven't been able to do so, which is why we wanna remove them from the portfolio wholly.","start":498.545,"end":509.59,"sentiment":"neutral","sentiment_score":-0.20032327974567543},{"text":"I can, if you would like, I've got a couple of options for other active managers that, again, they are trying to outperform against the market.","start":510.21,"end":518.605,"sentiment":"neutral","sentiment_score":0.06787293619261338},{"text":"There's no guarantee that they will.","start":518.605,"end":520.625,"sentiment":"neutral","sentiment_score":-0.14591138313213983},{"text":"Sometimes they do underperform against the market.","start":520.685,"end":523.08496,"sentiment":"neutral","sentiment_score":-0.1456752366253308}],"sentiment":"neutral","sentiment_score":-0.0753036891407472,"channel":0,"num_words":94,"start":493.905,"end":523.08496},{"sentences":[{"text":"It's that then along have had a lot more issues than just underperformance.","start":523.08496,"end":526.70496,"sentiment":"neutral","sentiment_score":-0.19054351116602236},{"text":"Essentially, the other option is we 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market.","start":549.565,"end":551.805,"sentiment":"neutral","sentiment_score":0.12959806277201727},{"text":"They're just staying invested.","start":551.805,"end":553.185,"sentiment":"neutral","sentiment_score":0.19603170081973076},{"text":"They're following an index.","start":553.485,"end":554.845,"sentiment":"neutral","sentiment_score":0.3043576180934906},{"text":"It's often a lot cheaper to do it that way as well.","start":554.845,"end":557.50494,"sentiment":"neutral","sentiment_score":0.3164080083370209},{"text":"Did you want me to maybe look at something more passively for you, maybe try to lower the investment cost within your fund and replace that, or did you wanna keep something more actively managed within the portfolio?","start":558.045,"end":568.88,"sentiment":"neutral","sentiment_score":0.0856989956902046}],"sentiment":"neutral","sentiment_score":0.15126464828114275,"channel":0,"num_words":71,"start":549.565,"end":568.88},{"sentences":[{"text":"What would you like to 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think?","start":581.93,"end":587.87,"sentiment":"neutral","sentiment_score":0.07836620641105316}],"sentiment":"neutral","sentiment_score":0.07836620641105316,"channel":1,"num_words":17,"start":581.93,"end":587.87},{"sentences":[{"text":"Yeah.","start":588.51,"end":588.83,"sentiment":"neutral","sentiment_score":0.12548032402992249},{"text":"Look.","start":588.83,"end":589.07,"sentiment":"neutral","sentiment_score":0.2441641092300415},{"text":"It's absolutely fine.","start":589.07,"end":590.19,"sentiment":"positive","sentiment_score":0.44329845905303955},{"text":"We can put more of an actively managed investment in there for you if you like.","start":590.19,"end":594.05,"sentiment":"neutral","sentiment_score":0.3299814099445939},{"text":"That way, we can sort of see how that goes.","start":594.43,"end":596.19,"sentiment":"neutral","sentiment_score":0.15690916329622268}],"sentiment":"neutral","sentiment_score":0.2757527097578972,"channel":0,"num_words":31,"start":588.51,"end":596.19},{"sentences":[{"text":"We just track that over the next sort of twelve months.","start":596.19,"end":598.85,"sentiment":"neutral","sentiment_score":0.08689373325217854},{"text":"And then if we find it's still not working, it's not really doing what it needs to, then we can always go the passive the passive managed route.","start":599.22504,"end":606.025,"sentiment":"neutral","sentiment_score":-0.000512959568628243},{"text":"That's absolutely fine.","start":606.025,"end":607.24506,"sentiment":"positive","sentiment_score":0.6177355647087097},{"text":"One of the big things I do sort of look for in an investment is, you know, how it has tracked over the last twelve months, how it has been over the last five to ten years even to sort of see if there's any major issues in there.","start":607.945,"end":620.3,"sentiment":"neutral","sentiment_score":0.04970729966856995},{"text":"Passive management I mean, there's two sort of ways of looking at risk with your portfolio.","start":621.8,"end":626.06,"sentiment":"neutral","sentiment_score":-0.06510880519635975}],"sentiment":"neutral","sentiment_score":0.03914571675323995,"channel":0,"num_words":107,"start":596.19,"end":626.06},{"sentences":[{"text":"One of those is the the type of management within the funds that you're invested in.","start":626.63495,"end":631.77496,"sentiment":"neutral","sentiment_score":-0.01248303521424532},{"text":"Obviously, having an active manager is a little bit more risky.","start":631.995,"end":635.055,"sentiment":"neutral","sentiment_score":-0.19218711961399426},{"text":"You do have those down times.","start":635.115,"end":636.555,"sentiment":"neutral","sentiment_score":-0.2623900721470515},{"text":"You do tend to feel those down 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equities, listed property, and also commodities like gold and silver, and then there's a small amount, 10% in low risk defensive assets.","start":657.225,"end":668.205,"sentiment":"neutral","sentiment_score":0.17834933204897518},{"text":"You can still keep the risk at that higher level by having a passively managed fund in there.","start":668.58,"end":675.88,"sentiment":"neutral","sentiment_score":0.2668819899360339}],"sentiment":"neutral","sentiment_score":0.17934294205836274,"channel":0,"num_words":88,"start":642.48004,"end":675.88},{"sentences":[{"text":"One of the big things is is that lowering the cost is more about making sure you're diversified.","start":676.34,"end":682.36005,"sentiment":"neutral","sentiment_score":0.28386886169513065},{"text":"So one of the passively managed funds I'm looking at helps to lower the overall risk of the portfolio because standalone normally holds, say, 15 to 25 different investment 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it.","start":725.805,"end":727.745,"sentiment":"neutral","sentiment_score":-0.06678009902437528}],"sentiment":"neutral","sentiment_score":0.16713939944747835,"channel":0,"num_words":64,"start":704.95,"end":727.745},{"sentences":[{"text":"There's a lot there.","start":727.90497,"end":729.125,"sentiment":"neutral","sentiment_score":-0.04234181251376867},{"text":"Got it.","start":729.75995,"end":730.5,"sentiment":"neutral","sentiment_score":0.04972683824598789},{"text":"Look.","start":731.36,"end":731.68,"sentiment":"neutral","sentiment_score":0.054455578327178955},{"text":"I'm I guess that's kinda why I'm paying you guys to manage 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defense.","start":768.045,"end":769.645,"sentiment":"neutral","sentiment_score":-0.041231180036750935}],"sentiment":"neutral","sentiment_score":0.08883180607226678,"channel":0,"num_words":40,"start":755.87,"end":769.645},{"sentences":[{"text":"There's so many different risk levels that go into investing in the market and how we diversify, you know, as growth and defensive, also what investment managers we have.","start":769.645,"end":779.485,"sentiment":"neutral","sentiment_score":0.05767667521562042},{"text":"There's lots of different options there.","start":779.485,"end":781.085,"sentiment":"neutral","sentiment_score":0.03066658042371273},{"text":"So if you want, as you said, you just you pay us to make the recommendation.","start":781.085,"end":784.59,"sentiment":"neutral","sentiment_score":0.12331898184493184},{"text":"I'm happy to go back, look at both active and active and passively managed funds, look at how they have performing, look at the overall diversification, the cost of, obviously, making the switch and selling this investment and putting you in something else, and look at how everything has performed, and maybe project that over the next five to ten years for you to see what kind of position that puts you in.","start":785.29004,"end":808.535,"sentiment":"neutral","sentiment_score":0.25962661114865787},{"text":"Does","start":808.535,"end":808.77496,"sentiment":"neutral","sentiment_score":0.17083442211151123}],"sentiment":"neutral","sentiment_score":0.1836264304742217,"channel":0,"num_words":125,"start":769.645,"end":808.77496},{"sentences":[{"text":"Yeah.","start":808.7,"end":809.2,"sentiment":"neutral","sentiment_score":0.26646891236305237}],"sentiment":"neutral","sentiment_score":0.26646891236305237,"channel":1,"num_words":1,"start":808.7,"end":809.2},{"sentences":[{"text":"that sound really 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that anyway.","start":817.52997,"end":818.50995,"sentiment":"neutral","sentiment_score":0.13659502565860748},{"text":"So in the advice, we have to put down your current position versus the recommended and show","start":818.64996,"end":823.76996,"sentiment":"neutral","sentiment_score":0.09219616826842814}],"sentiment":"neutral","sentiment_score":0.09885599687695504,"channel":0,"num_words":20,"start":817.52997,"end":823.76996},{"sentences":[{"text":"Yep.","start":823.675,"end":824.175,"sentiment":"neutral","sentiment_score":0.09682440012693404}],"sentiment":"neutral","sentiment_score":0.09682440012693404,"channel":1,"num_words":1,"start":823.675,"end":824.175},{"sentences":[{"text":"you both of those so you can make your decision.","start":823.76996,"end":826.02997,"sentiment":"neutral","sentiment_score":0.13272272869944574}],"sentiment":"neutral","sentiment_score":0.13272272869944574,"channel":0,"num_words":10,"start":823.76996,"end":826.02997},{"sentences":[{"text":"Oh, 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including our ongoing service fee, your entire portfolio has actually received a positive 9.58% 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that,","start":923.91003,"end":924.49005,"sentiment":"neutral","sentiment_score":0.08944263309240341}],"sentiment":"neutral","sentiment_score":0.08944263309240341,"channel":1,"num_words":2,"start":923.91003,"end":924.49005},{"sentences":[{"text":"quite well.","start":924.10004,"end":924.84,"sentiment":"neutral","sentiment_score":0.07594358921051025}],"sentiment":"neutral","sentiment_score":0.07594358921051025,"channel":0,"num_words":2,"start":924.10004,"end":924.84},{"sentences":[{"text":"Wasn't","start":924.635,"end":925.135,"sentiment":"neutral","sentiment_score":-0.07348892092704773}],"sentiment":"neutral","sentiment_score":-0.07348892092704773,"channel":1,"num_words":1,"start":924.635,"end":925.135},{"sentences":[{"text":"I can pull the report up for you, two 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go.","start":939.775,"end":940.575,"sentiment":"neutral","sentiment_score":-0.023685649658242863},{"text":"Let's have a look.","start":940.575,"end":941.47504,"sentiment":"neutral","sentiment_score":-0.008292159531265497},{"text":"Last year's portfolio report, you made net of fees 12.18%.","start":943.055,"end":948.4,"sentiment":"neutral","sentiment_score":-0.01650167554616928}],"sentiment":"neutral","sentiment_score":-0.026005637078058152,"channel":0,"num_words":21,"start":933.54004,"end":948.4},{"sentences":[{"text":"So, yes, it is down a little bit on the last twelve months on the previous twelve months.","start":948.4,"end":952.88,"sentiment":"neutral","sentiment_score":-0.09021964689923657},{"text":"Sorry.","start":952.88,"end":953.2,"sentiment":"neutral","sentiment_score":-0.04168621450662613},{"text":"But it's still doing very, very 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a look at the previous year's report of receiving a 12, I think, 51% return, that was obviously a really well performed year, and that was an over performance for your portfolio there as well.","start":1011.41003,"end":1024.245,"sentiment":"neutral","sentiment_score":0.20324868179465594}],"sentiment":"neutral","sentiment_score":0.281966127762475,"channel":0,"num_words":97,"start":991.055,"end":1024.245},{"sentences":[{"text":"So it is extremely normal to have the ups and downs for some years to get better performance than others, but it's about making sure that we're compounding forward continuously.","start":1024.245,"end":1033.3049,"sentiment":"neutral","sentiment_score":-0.09803413537641366},{"text":"And over in this sort of environment, realistically, one in every five years, you can expect a negative return or a bit of a downturn as well.","start":1034.3099,"end":1043.2699,"sentiment":"neutral","sentiment_score":-0.23833639947352586},{"text":"So while things have been performing really well, the possibility of a downturn is is expected and will happen in the future.","start":1043.2699,"end":1051.695,"sentiment":"neutral","sentiment_score":-0.2237869595939463},{"text":"We'll let you know when that happens, why it's happening.","start":1052.235,"end":1054.975,"sentiment":"neutral","sentiment_score":-0.03258301876485348},{"text":"It's about making sure you can continue to put your super contributions in, keep dollar cost averaging in, and allow your portfolio to go through those downtimes as well.","start":1055.115,"end":1064.19,"sentiment":"neutral","sentiment_score":0.04956797125010655}],"sentiment":"neutral","sentiment_score":-0.11176083880965992,"channel":0,"num_words":118,"start":1024.245,"end":1064.19},{"sentences":[{"text":"Does 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portfolio.","start":1070.2699,"end":1072.0499,"sentiment":"neutral","sentiment_score":0.27577643735068186}],"sentiment":"positive","sentiment_score":0.4651376247406006,"channel":0,"num_words":20,"start":1066.11,"end":1072.0499},{"sentences":[{"text":"We'll do a bit of an investment switch there for you and update things for you as well.","start":1072.2699,"end":1076.475,"sentiment":"neutral","sentiment_score":0.23839016175932354},{"text":"Okay?","start":1076.475,"end":1076.975,"sentiment":"neutral","sentiment_score":0.023234764114022255}],"sentiment":"neutral","sentiment_score":0.22706619346220241,"channel":0,"num_words":19,"start":1072.2699,"end":1076.975},{"sentences":[{"text":"Okay.","start":1077.31,"end":1077.79,"sentiment":"neutral","sentiment_score":0.04895303398370743},{"text":"No 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for?","start":1209.44,"end":1210.1,"sentiment":"neutral","sentiment_score":0.0014435220509767535},{"text":"Yeah.","start":1210.64,"end":1211.14,"sentiment":"neutral","sentiment_score":0.018922921270132065}],"sentiment":"neutral","sentiment_score":0.007269988457361857,"channel":0,"num_words":3,"start":1209.44,"end":1211.14},{"sentences":[{"text":"Yeah.","start":1211.7899,"end":1212.27,"sentiment":"neutral","sentiment_score":0.019083769991993904},{"text":"Yeah.","start":1212.27,"end":1212.735,"sentiment":"neutral","sentiment_score":0.01399229746311903},{"text":"So that was what was that insured for?","start":1213.295,"end":1215.4551,"sentiment":"neutral","sentiment_score":-0.01208256813697517},{"text":"I forget.","start":1215.4551,"end":1216.115,"sentiment":"neutral","sentiment_score":-0.04264041222631931}],"sentiment":"neutral","sentiment_score":-0.012405441841110587,"channel":1,"num_words":12,"start":1211.7899,"end":1216.115},{"sentences":[{"text":"So your current sum insured, that one is 551,002","start":1217.525,"end":1221.3651,"sentiment":"neutral","sentiment_score":-0.01973147980040974}],"sentiment":"neutral","sentiment_score":-0.01973147980040974,"channel":0,"num_words":9,"start":1217.525,"end":1221.3651},{"sentences":[{"text":"But","start":1221.215,"end":1221.455,"sentiment":"neutral","sentiment_score":-0.013707566075026987}],"sentiment":"neutral","sentiment_score":-0.013707566075026987,"channel":1,"num_words":1,"start":1221.215,"end":1221.455},{"sentences":[{"text":"100","start":1221.3651,"end":1221.685,"sentiment":"neutral","sentiment_score":-0.007633808068931103}],"sentiment":"neutral","sentiment_score":-0.007633808068931103,"channel":0,"num_words":1,"start":1221.3651,"end":1221.685},{"sentences":[{"text":"it's","start":1221.455,"end":1221.695,"sentiment":"neutral","sentiment_score":-0.014874677173793316}],"sentiment":"neutral","sentiment_score":-0.014874677173793316,"channel":1,"num_words":1,"start":1221.455,"end":1221.695},{"sentences":[{"text":"and","start":1221.685,"end":1221.925,"sentiment":"neutral","sentiment_score":-0.020662736147642136}],"sentiment":"neutral","sentiment_score":-0.020662736147642136,"channel":0,"num_words":1,"start":1221.685,"end":1221.925},{"sentences":[{"text":"saying,","start":1221.695,"end":1222.095,"sentiment":"neutral","sentiment_score":-0.01643197238445282}],"sentiment":"neutral","sentiment_score":-0.01643197238445282,"channel":1,"num_words":1,"start":1221.695,"end":1222.095},{"sentences":[{"text":"50.","start":1221.925,"end":1222.425,"sentiment":"neutral","sentiment_score":-0.008166924118995667}],"sentiment":"neutral","sentiment_score":-0.008166924118995667,"channel":0,"num_words":1,"start":1221.925,"end":1222.425},{"sentences":[{"text":"they 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if anyone's ever explained to you, but PPD, the 48 fee claim under the age of 60 is actually taxed.","start":1238.9651,"end":1246.425,"sentiment":"neutral","sentiment_score":-0.08628316458176684}],"sentiment":"neutral","sentiment_score":-0.004144617701850591,"channel":0,"num_words":62,"start":1223.525,"end":1246.425},{"sentences":[{"text":"It can be taxed up to 22%.","start":1247.3651,"end":1249.9451,"sentiment":"neutral","sentiment_score":-0.080565908657653},{"text":"So just like giving you an idea on what that might look like, it essentially means that from the balance you have currently, your super and the TBD benefit, the tax would mean at 22%, about a 186,000 would be deducted from that.","start":1250.7251,"end":1266.6201,"sentiment":"neutral","sentiment_score":-0.04214875785590604},{"text":"So you get that $8.49 minus about a $186,000 there.","start":1266.6201,"end":1271.9651,"sentiment":"neutral","sentiment_score":-0.025293452944606543}],"sentiment":"neutral","sentiment_score":-0.043821541297559934,"channel":0,"num_words":60,"start":1247.3651,"end":1271.9651},{"sentences":[{"text":"That's good to say the government get more of my money.","start":1272.205,"end":1274.625,"sentiment":"neutral","sentiment_score":0.048146421259099785}],"sentiment":"neutral","sentiment_score":0.048146421259099785,"channel":1,"num_words":11,"start":1272.205,"end":1274.625},{"sentences":[{"text":"It's honestly really horrible.","start":1275.145,"end":1276.925,"sentiment":"negative","sentiment_score":-0.8985361605882645},{"text":"I don't like it.","start":1277.0651,"end":1277.9451,"sentiment":"negative","sentiment_score":-0.8457716703414917},{"text":"I disagree with it in any I think it's disgusting.","start":1277.9451,"end":1280.9199,"sentiment":"negative","sentiment_score":-0.7150055944919587},{"text":"I think if you can't get back to work again due to permanent incapacity, the last thing the government should do is tax that.","start":1281.5399,"end":1287.5599,"sentiment":"negative","sentiment_score":-0.74016273021698}],"sentiment":"negative","sentiment_score":-0.7593141141391936,"channel":0,"num_words":42,"start":1275.145,"end":1287.5599},{"sentences":[{"text":"Yeah.","start":1287.98,"end":1288.48,"sentiment":"negative","sentiment_score":-0.4822346270084381}],"sentiment":"negative","sentiment_score":-0.4822346270084381,"channel":1,"num_words":1,"start":1287.98,"end":1288.48},{"sentences":[{"text":"It's horrible.","start":1288.1,"end":1288.84,"sentiment":"negative","sentiment_score":-0.6948485374450684},{"text":"Essentially, with the TPD, obviously, the tax is up to 22%.","start":1290.1,"end":1294.26,"sentiment":"negative","sentiment_score":-0.43857653032649646},{"text":"They have this really unusual math equation that they do to work out what the actual tax liability is.","start":1294.26,"end":1299.915,"sentiment":"negative","sentiment_score":-0.43426768873867233},{"text":"I just kinda gave you the estimated based on your current sum insured and super balance at the highest tax rate.","start":1300.295,"end":1306.795,"sentiment":"neutral","sentiment_score":-0.19967346851314818},{"text":"If in the event you are actually TBD'd, we will help you with the claim, but then I will give you financial advice on how to limit the tax as much as possible as well, how to hopefully keep the money invested so you can draw a regular income and keep the money working for you as well.","start":1307.3351,"end":1322.91,"sentiment":"neutral","sentiment_score":0.11764682620635321}],"sentiment":"neutral","sentiment_score":-0.10661938660652251,"channel":0,"num_words":111,"start":1288.1,"end":1322.91},{"sentences":[{"text":"So","start":1322.91,"end":1323.41,"sentiment":"neutral","sentiment_score":-0.03238731622695923}],"sentiment":"neutral","sentiment_score":-0.03238731622695923,"channel":0,"num_words":1,"start":1322.91,"end":1323.41},{"sentences":[{"text":"Yeah.","start":1323.4551,"end":1323.9551,"sentiment":"neutral","sentiment_score":-0.04989224672317505}],"sentiment":"neutral","sentiment_score":-0.04989224672317505,"channel":1,"num_words":1,"start":1323.4551,"end":1323.9551},{"sentences":[{"text":"there are things that we can do to help limit that amount of tax, but I kind of like people to understand that CPD, unfortunately, is a tax payment.","start":1323.55,"end":1331.295,"sentiment":"neutral","sentiment_score":-0.23456727482121567},{"text":"And if you take the full amount lump sum, a lot of people don't realize how much tax actually gets deducted from that, and it can reduce your CPD, some insured, pretty significantly.","start":1331.295,"end":1342.42,"sentiment":"neutral","sentiment_score":0.20547794053951898},{"text":"And, I mean, a $186,000 could be one or two or three years of your income or of your life that you can't get back.","start":1342.7201,"end":1351.2001,"sentiment":"neutral","sentiment_score":0.11253991633653641},{"text":"So if you think about it, if you're fully disabled and not able to go back to work again at your current age, you have to live from now to retirement or even longer and make that money last as long as possible.","start":1351.2001,"end":1363.7151,"sentiment":"neutral","sentiment_score":-0.006976098515266596},{"text":"So trying to limit the tax is absolutely a good thing, but I just like to make sure I'm giving you a bit of information explaining how that 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people are just sorta happy to cover the mortgage, make sure their family are completely debt free, and then have a couple of years worth of, you know, net income.","start":1413.9249,"end":1422.825,"sentiment":"neutral","sentiment_score":0.30146155097792227}],"sentiment":"neutral","sentiment_score":0.30086081521585584,"channel":0,"num_words":32,"start":1413.365,"end":1422.825},{"sentences":[{"text":"Alright.","start":1423.6951,"end":1424.1951,"sentiment":"neutral","sentiment_score":0.1637463420629501}],"sentiment":"neutral","sentiment_score":0.1637463420629501,"channel":1,"num_words":1,"start":1423.6951,"end":1424.1951},{"sentences":[{"text":"One of the things to sort of think about is if you look at replacement of income in the event of, say, a TBD claim or even death and your insurance is paid out to you, once you've covered that mortgage and the mortgage is fully paid off, the amount that you're currently paying on the mortgage is no longer happening.","start":1423.78,"end":1441.325,"sentiment":"neutral","sentiment_score":0.08893482142784556},{"text":"So, realistically,","start":1441.7849,"end":1442.605,"sentiment":"neutral","sentiment_score":0.09364765137434006}],"sentiment":"neutral","sentiment_score":0.08908443507694062,"channel":0,"num_words":63,"start":1423.78,"end":1442.605},{"sentences":[{"text":"Yeah.","start":1442.15,"end":1442.65,"sentiment":"neutral","sentiment_score":0.14715370535850525}],"sentiment":"neutral","sentiment_score":0.14715370535850525,"channel":1,"num_words":1,"start":1442.15,"end":1442.65},{"sentences":[{"text":"if you're earning about a $100,000 a year, you could actually generally live on, say, $50,000 a year and make that TBD payment last longer because your living expenses decrease without the mortgage repayment.","start":1442.9049,"end":1456.95,"sentiment":"neutral","sentiment_score":0.2632013208725873},{"text":"Does that make 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god.","start":2342.805,"end":2343.33,"sentiment":"neutral","sentiment_score":-0.044432422146201134},{"text":"How is this?","start":2343.4102,"end":2344.23,"sentiment":"neutral","sentiment_score":-0.015074506402015686},{"text":"I'll just do it with the order.","start":2345.01,"end":2346.47,"sentiment":"neutral","sentiment_score":0.03995516949466297}],"sentiment":"neutral","sentiment_score":-0.03959551205237707,"channel":1,"num_words":21,"start":2335.445,"end":2346.47},{"sentences":[{"text":"Order will do.","start":2346.53,"end":2347.59,"sentiment":"neutral","sentiment_score":0.08150986085335414}],"sentiment":"neutral","sentiment_score":0.08150986085335414,"channel":1,"num_words":3,"start":2346.53,"end":2347.59},{"sentences":[{"text":"Yeah.","start":2348.1,"end":2348.4202,"sentiment":"neutral","sentiment_score":0.10003198683261871},{"text":"That'll be 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for","start":2352.335,"end":2352.7349,"sentiment":"positive","sentiment_score":0.42951491475105286}],"sentiment":"positive","sentiment_score":0.42951491475105286,"channel":0,"num_words":2,"start":2352.335,"end":2352.7349},{"sentences":[{"text":"on.","start":2352.53,"end":2353.03,"sentiment":"positive","sentiment_score":0.41181254386901855}],"sentiment":"positive","sentiment_score":0.41181254386901855,"channel":1,"num_words":1,"start":2352.53,"end":2353.03},{"sentences":[{"text":"that.","start":2352.7349,"end":2353.2349,"sentiment":"positive","sentiment_score":0.406799852848053},{"text":"All good.","start":2353.775,"end":2354.515,"sentiment":"positive","sentiment_score":0.4457351565361023},{"text":"Now I just wanted to update all of your circumstances here.","start":2354.895,"end":2357.535,"sentiment":"neutral","sentiment_score":0.19299133528362622},{"text":"Just checking to see what may have changed in your life.","start":2357.535,"end":2360.335,"sentiment":"neutral","sentiment_score":0.13408353518355975},{"text":"I've updated your mortgage, which is fantastic.","start":2360.335,"end":2362.435,"sentiment":"positive","sentiment_score":0.5099700774465289}],"sentiment":"neutral","sentiment_score":0.2645588838495314,"channel":0,"num_words":32,"start":2352.7349,"end":2362.435},{"sentences":[{"text":"Other assets I had, you've got a boat.","start":2363.55,"end":2365.55,"sentiment":"neutral","sentiment_score":0.13074160646647215},{"text":"Do you still have 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though.","start":2368.305,"end":2369.445,"sentiment":"neutral","sentiment_score":0.00740589527413249}],"sentiment":"neutral","sentiment_score":0.007012895515395535,"channel":1,"num_words":9,"start":2367.185,"end":2369.445},{"sentences":[{"text":"Yeah.","start":2368.99,"end":2369.3901,"sentiment":"neutral","sentiment_score":0.10629989206790924},{"text":"Love","start":2369.3901,"end":2369.8901,"sentiment":"neutral","sentiment_score":0.18996424973011017}],"sentiment":"neutral","sentiment_score":0.1481320708990097,"channel":0,"num_words":2,"start":2368.99,"end":2369.8901},{"sentences":[{"text":"Yeah.","start":2370.36,"end":2370.86,"sentiment":"neutral","sentiment_score":0.212868332862854}],"sentiment":"neutral","sentiment_score":0.212868332862854,"channel":1,"num_words":1,"start":2370.36,"end":2370.86},{"sentences":[{"text":"it's all good.","start":2371.1501,"end":2372.05,"sentiment":"positive","sentiment_score":0.36763107776641846},{"text":"I've got a value of 25,000 on that one.","start":2372.1902,"end":2375.3901,"sentiment":"neutral","sentiment_score":0.11008433252573013},{"text":"Would you still value it the same or","start":2375.3901,"end":2377.49,"sentiment":"neutral","sentiment_score":0.03587329853326082}],"sentiment":"neutral","sentiment_score":0.11903193071484566,"channel":0,"num_words":20,"start":2371.1501,"end":2377.49},{"sentences":[{"text":"Yeah.","start":2377.56,"end":2377.8801,"sentiment":"neutral","sentiment_score":0.021960821002721783},{"text":"It's still, yeah, it's still be around the 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45,000.","start":2383.115,"end":2386.6348,"sentiment":"neutral","sentiment_score":0.033098334446549416},{"text":"Would that be fairly accurate?","start":2386.6348,"end":2388.1748,"sentiment":"neutral","sentiment_score":0.034544726833701134}],"sentiment":"neutral","sentiment_score":0.033580465242266655,"channel":0,"num_words":15,"start":2383.115,"end":2388.1748},{"sentences":[{"text":"The yeah.","start":2389.4648,"end":2390.025,"sentiment":"neutral","sentiment_score":-0.013314676005393267},{"text":"It's probably down about 35 maybe 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up to about 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presentation, and I'll give you a call at 5PM.","start":3110.405,"end":3117.205,"sentiment":"neutral","sentiment_score":0.0639254707714607},{"text":"We'll run through that.","start":3117.205,"end":3118.005,"sentiment":"neutral","sentiment_score":0.15996293351054192}],"sentiment":"neutral","sentiment_score":0.10430857532278255,"channel":0,"num_words":54,"start":3104.6702,"end":3118.005},{"sentences":[{"text":"It won't take very long, and then you'll get to go back and have a really good read at the document.","start":3118.005,"end":3122.185,"sentiment":"neutral","sentiment_score":0.20581997505256108},{"text":"Okay?","start":3122.405,"end":3122.905,"sentiment":"neutral","sentiment_score":0.152991384267807}],"sentiment":"neutral","sentiment_score":0.20341867547143588,"channel":0,"num_words":22,"start":3118.005,"end":3122.905},{"sentences":[{"text":"Awesome.","start":3123.395,"end":3123.795,"sentiment":"positive","sentiment_score":0.531371533870697},{"text":"Thank 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around.","start":3130.94,"end":3133.66,"sentiment":"neutral","sentiment_score":0.04439293457703157}],"sentiment":"neutral","sentiment_score":0.13615486188791692,"channel":0,"num_words":32,"start":3124.94,"end":3133.66},{"sentences":[{"text":"Is there any additional questions that may have come out or anything else that I might not have touched on?","start":3133.66,"end":3138.72,"sentiment":"neutral","sentiment_score":0.04617175767198205}],"sentiment":"neutral","sentiment_score":0.04617175767198205,"channel":0,"num_words":20,"start":3133.66,"end":3138.72},{"sentences":[{"text":"No.","start":3138.98,"end":3139.38,"sentiment":"neutral","sentiment_score":-0.12634752690792084},{"text":"That's it.","start":3139.38,"end":3139.94,"sentiment":"neutral","sentiment_score":-0.13766905665397644},{"text":"I think the biggest one was just moving out of the whatever it was that funds","start":3139.94,"end":3147.175,"sentiment":"neutral","sentiment_score":-0.19431875739246607}],"sentiment":"neutral","sentiment_score":-0.18477819781554372,"channel":1,"num_words":19,"start":3138.98,"end":3147.175},{"sentences":[{"text":"Been","start":3147.335,"end":3147.575,"sentiment":"neutral","sentiment_score":-0.20336750149726868}],"sentiment":"neutral","sentiment_score":-0.20336750149726868,"channel":0,"num_words":1,"start":3147.335,"end":3147.575},{"sentences":[{"text":"penalized.","start":3147.395,"end":3147.895,"sentiment":"neutral","sentiment_score":-0.20879682898521423}],"sentiment":"neutral","sentiment_score":-0.20879682898521423,"channel":1,"num_words":1,"start":3147.395,"end":3147.895},{"sentences":[{"text":"along?","start":3147.575,"end":3148.075,"sentiment":"neutral","sentiment_score":-0.08765722811222076},{"text":"Yeah.","start":3148.375,"end":3148.875,"sentiment":"neutral","sentiment_score":-0.03596184402704239},{"text":"Yep.","start":3148.935,"end":3149.435,"sentiment":"neutral","sentiment_score":-0.008060707710683346},{"text":"Yep.","start":3149.575,"end":3150.075,"sentiment":"neutral","sentiment_score":0.0005413561011664569}],"sentiment":"neutral","sentiment_score":-0.03278460593719501,"channel":0,"num_words":4,"start":3147.575,"end":3150.075},{"sentences":[{"text":"K.","start":3150.3552,"end":3150.675,"sentiment":"neutral","sentiment_score":-0.005805484019219875},{"text":"So","start":3150.675,"end":3151.175,"sentiment":"neutral","sentiment_score":-0.0014537125825881958}],"sentiment":"neutral","sentiment_score":-0.0036295983009040356,"channel":1,"num_words":2,"start":3150.3552,"end":3151.175},{"sentences":[{"text":"Absolutely.","start":3151.175,"end":3151.675,"sentiment":"neutral","sentiment_score":0.0005393475294113159}],"sentiment":"neutral","sentiment_score":0.0005393475294113159,"channel":0,"num_words":1,"start":3151.175,"end":3151.675},{"sentences":[{"text":"instead of that one.","start":3154.0352,"end":3155.175,"sentiment":"neutral","sentiment_score":-0.031059100292623043}],"sentiment":"neutral","sentiment_score":-0.031059100292623043,"channel":1,"num_words":4,"start":3154.0352,"end":3155.175},{"sentences":[{"text":"Yeah.","start":3154.8,"end":3155.04,"sentiment":"neutral","sentiment_score":-0.06195136904716492},{"text":"No.","start":3155.04,"end":3155.54,"sentiment":"neutral","sentiment_score":-0.12350981682538986},{"text":"Absolutely.","start":3156.08,"end":3156.58,"sentiment":"neutral","sentiment_score":-0.04770886152982712},{"text":"Let's get you out of that and get your portfolio continuous working and compounding.","start":3156.7202,"end":3160.9001,"sentiment":"neutral","sentiment_score":0.00416830341730799},{"text":"We wanna get you the best possible retirement possible.","start":3161.04,"end":3163.7002,"sentiment":"neutral","sentiment_score":0.10286811366677284}],"sentiment":"neutral","sentiment_score":0.028884585516957138,"channel":0,"num_words":26,"start":3154.8,"end":3163.7002},{"sentences":[{"text":"Because, I mean,","start":3164.0,"end":3164.48,"sentiment":"neutral","sentiment_score":-0.03048458757499854}],"sentiment":"neutral","sentiment_score":-0.03048458757499854,"channel":0,"num_words":3,"start":3164.0,"end":3164.48},{"sentences":[{"text":"Yeah.","start":3164.28,"end":3164.78,"sentiment":"neutral","sentiment_score":-0.0504099503159523}],"sentiment":"neutral","sentiment_score":-0.0504099503159523,"channel":1,"num_words":1,"start":3164.28,"end":3164.78},{"sentences":[{"text":"you've got a lot of working life ahead of you, but you also spend, you know, anywhere from twenty, thirty, or forty years in retirement.","start":3164.48,"end":3170.7048,"sentiment":"neutral","sentiment_score":-0.06828401565551757},{"text":"That's a long time to be retired.","start":3170.765,"end":3172.525,"sentiment":"neutral","sentiment_score":-0.15513481199741364},{"text":"The money","start":3172.525,"end":3173.005,"sentiment":"neutral","sentiment_score":-0.06386734172701836}],"sentiment":"neutral","sentiment_score":-0.08590525761246681,"channel":0,"num_words":34,"start":3164.48,"end":3173.005},{"sentences":[{"text":"Car.","start":3172.9448,"end":3173.4448,"sentiment":"neutral","sentiment_score":-0.09330599009990692}],"sentiment":"neutral","sentiment_score":-0.09330599009990692,"channel":1,"num_words":1,"start":3172.9448,"end":3173.4448},{"sentences":[{"text":"needs to last as long as possible for you.","start":3173.005,"end":3175.1648,"sentiment":"neutral","sentiment_score":-0.03449734031326241},{"text":"So","start":3175.1648,"end":3175.6648,"sentiment":"positive","sentiment_score":0.46768805384635925}],"sentiment":"neutral","sentiment_score":0.015721199102699757,"channel":0,"num_words":10,"start":3173.005,"end":3175.6648},{"sentences":[{"text":"Definitely.","start":3176.865,"end":3177.365,"sentiment":"positive","sentiment_score":0.5193819403648376}],"sentiment":"positive","sentiment_score":0.5193819403648376,"channel":1,"num_words":1,"start":3176.865,"end":3177.365},{"sentences":[{"text":"all good, Justin.","start":3179.005,"end":3179.805,"sentiment":"positive","sentiment_score":0.6389736930529276},{"text":"Look.","start":3179.805,"end":3180.045,"sentiment":"positive","sentiment_score":0.5815666913986206},{"text":"Thank you so much for your time.","start":3180.045,"end":3181.325,"sentiment":"positive","sentiment_score":0.8640149406024388},{"text":"It was honestly an absolute pleasure to chat to you today.","start":3181.325,"end":3184.2048,"sentiment":"positive","sentiment_score":0.9042990586974404},{"text":"I hope you have a really good week.","start":3184.2048,"end":3186.1,"sentiment":"positive","sentiment_score":0.7725311666727066}],"sentiment":"positive","sentiment_score":0.8224710444609324,"channel":0,"num_words":30,"start":3179.005,"end":3186.1},{"sentences":[{"text":"The kids are all on school holidays with you.","start":3186.1,"end":3188.34,"sentiment":"neutral","sentiment_score":0.15331870896948707},{"text":"Or","start":3188.34,"end":3188.84,"sentiment":"neutral","sentiment_score":0.05289997160434723}],"sentiment":"neutral","sentiment_score":0.1432768352329731,"channel":0,"num_words":10,"start":3186.1,"end":3188.84},{"sentences":[{"text":"Yeah.","start":3189.14,"end":3189.2998,"sentiment":"neutral","sentiment_score":0.04434371739625931},{"text":"They're all at push and yeah.","start":3189.2998,"end":3191.5398,"sentiment":"neutral","sentiment_score":0.10558271656433742},{"text":"Yeah.","start":3191.5398,"end":3191.7,"sentiment":"neutral","sentiment_score":0.08025107532739639},{"text":"About","start":3191.7,"end":3191.98,"sentiment":"neutral","sentiment_score":0.06096354126930237}],"sentiment":"neutral","sentiment_score":0.0910060703754425,"channel":1,"num_words":9,"start":3189.14,"end":3191.98},{"sentences":[{"text":"yes.","start":3191.78,"end":3192.28,"sentiment":"neutral","sentiment_score":0.0804862380027771}],"sentiment":"neutral","sentiment_score":0.0804862380027771,"channel":0,"num_words":1,"start":3191.78,"end":3192.28},{"sentences":[{"text":"a dozen.","start":3191.98,"end":3192.7598,"sentiment":"neutral","sentiment_score":0.08771554380655289},{"text":"So at home by myself at the moment.","start":3192.9,"end":3195.0,"sentiment":"neutral","sentiment_score":0.12773121148347855}],"sentiment":"neutral","sentiment_score":0.11972807794809341,"channel":1,"num_words":10,"start":3191.98,"end":3195.0},{"sentences":[{"text":"Oh, look.","start":3195.3,"end":3195.78,"sentiment":"neutral","sentiment_score":0.17314766347408295},{"text":"That's not a bad thing.","start":3195.78,"end":3196.9,"sentiment":"positive","sentiment_score":0.4079034447669983},{"text":"Enjoy that time.","start":3196.9,"end":3198.2,"sentiment":"positive","sentiment_score":0.6571013927459717}],"sentiment":"positive","sentiment_score":0.4357116729021072,"channel":0,"num_words":10,"start":3195.3,"end":3198.2},{"sentences":[{"text":"You do.","start":3199.46,"end":3200.21,"sentiment":"positive","sentiment_score":0.45493027567863464}],"sentiment":"positive","sentiment_score":0.45493027567863464,"channel":1,"num_words":2,"start":3199.46,"end":3200.21},{"sentences":[{"text":"Oh, good, Dustin.","start":3202.095,"end":3202.975,"sentiment":"positive","sentiment_score":0.4368353982766469},{"text":"Well, I'll talk to you on the twentieth.","start":3202.975,"end":3204.335,"sentiment":"neutral","sentiment_score":0.1721401233226061},{"text":"I'll do the ring test in the meantime.","start":3204.335,"end":3205.935,"sentiment":"neutral","sentiment_score":0.20633750036358833},{"text":"You have a lovely week, and I hope you have a good recovery.","start":3205.935,"end":3208.915,"sentiment":"positive","sentiment_score":0.6869017573503348},{"text":"And I'll talk to you soon.","start":3209.695,"end":3211.0752,"sentiment":"positive","sentiment_score":0.46622656285762787}],"sentiment":"positive","sentiment_score":0.42277393176367406,"channel":0,"num_words":38,"start":3202.095,"end":3211.0752},{"sentences":[{"text":"Thank you very much.","start":3211.025,"end":3211.9048,"sentiment":"positive","sentiment_score":0.7834540456533432},{"text":"Okay.","start":3211.9048,"end":3212.305,"sentiment":"positive","sentiment_score":0.3352382183074951},{"text":"Bye.","start":3212.305,"end":3212.625,"sentiment":"positive","sentiment_score":0.35095536708831787},{"text":"Have a good day.","start":3212.625,"end":3213.605,"sentiment":"positive","sentiment_score":0.54444719851017}],"sentiment":"positive","sentiment_score":0.5997798562049865,"channel":1,"num_words":10,"start":3211.025,"end":3213.605},{"sentences":[{"text":"See you later.","start":3213.233,"end":3213.953,"sentiment":"positive","sentiment_score":0.43931064009666443},{"text":"Bye.","start":3213.953,"end":3214.453,"sentiment":"neutral","sentiment_score":-0.12539412081241608}],"sentiment":"neutral","sentiment_score":0.2981344498693943,"channel":0,"num_words":4,"start":3213.233,"end":3214.453}]},"summary":{"result":"success","short":"The representative from Oakview Financial conducts an annual review with Dustin and provides a summary of his investment portfolio and tax liability. They discuss the performance of various investment portfolios and suggest removing certain investments from the portfolio. The speaker emphasizes the importance of managing risk and maintaining overall portfolio performance within the expected range. They also discuss the risks of investing in a passively managed fund and offer advice on managing taxes and risk management. The agent updates the customer's circumstances and provides information on their financial services guide and financial services guide. They also discuss retirement plans and the customer's income and savings goals. The agent offers to book a advice session and provides information on the process."},"intents":{"segments":[{"text":"I have people going to go through a bit of an annual review today. Is now still a good time there for you? Yeah.","start_word":21,"end_word":44,"intents":[{"intent":"Schedule annual review","confidence_score":0.068733096}]},{"text":"I mean, realistically, you had about less than 10% of your portfolio.","start_word":1181,"end_word":1192,"intents":[{"intent":"Inquire about portfolio status","confidence_score":0.007014062}]},{"text":"Just getting rid of that one? Absolutely.","start_word":1317,"end_word":1323,"intents":[{"intent":"Confirm removal of asset","confidence_score":0.009763892},{"intent":"Recommend removal of asset","confidence_score":0.02985033}]},{"text":"Having a look, as I said, I had a bit of a look beforehand to see what's been going on with the portfolio and how things are going.","start_word":1362,"end_word":1389,"intents":[{"intent":"Discuss portfolio review","confidence_score":0.0022318105}]},{"text":"So what I can do is I've got a couple of options. Now one of the big things with Stand Along is that it's more of an actively managed fund. So the investment manager for that fund is trying to buy and sell out perform against the market they clearly haven't been able to do so, which is why we wanna remove them from the portfolio wholly.","start_word":1472,"end_word":1538,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.26062518}]},{"text":"One of the big things I do sort of look for in an investment is, you know, how it has tracked over the last twelve months, how it has been over the last five to ten years even to sort of see if there's any major issues in there.","start_word":1847,"end_word":1895,"intents":[{"intent":"Analyze portfolio risks","confidence_score":0.006303889}]},{"text":"I'm happy to go back, look at both active and active and passively managed funds, look at how they have performing, look at the overall diversification, the cost of, obviously, making the switch and selling this investment and putting you in something else, and look at how everything has performed, and maybe project that over the next five to ten years for you to see what kind of position that puts you in. Does Yeah.","start_word":2382,"end_word":2456,"intents":[{"intent":"Define portfolio priorities","confidence_score":0.0000966013}]},{"text":"So we'll provide a new updated statement of advice for you that shows you where you are currently, what that is projected for, the recommendations that we're making that we're recommending, and then you'll get to see both of those, and you get to decide and tell me whether you're happy to proceed with that or whether you have any alterations. Does that Yeah.","start_word":2532,"end_word":2595,"intents":[{"intent":"Update statements","confidence_score":0.027068606},{"intent":"Make recommendations","confidence_score":0.020533573}]},{"text":"Now looking at that same document, so while Send Along is down, and most other investments are doing quite well, your Van Es property is down a little bit for the year. That is okay.","start_word":2604,"end_word":2638,"intents":[{"intent":"Explain market performance","confidence_score":0.00032492986}]},{"text":"I will obviously go back and, as part of the overall recommendations, just review the investment. If I feel like moving forward, it's not gonna be anything appropriate and that we maybe need to switch it out, I'm happy to make that recommendation as well. Are you happy for me to review that for you? Yeah, please.","start_word":2679,"end_word":2735,"intents":[{"intent":"Review investment recommendations","confidence_score":0.27553952}]},{"text":"Wasn't I can pull the report up for you, two sec. it?","start_word":2825,"end_word":2836,"intents":[{"intent":"Pull up portfolio report","confidence_score":0.12730582}]},{"text":"With a high growth portfolio, because you are taking more risk in the market, you are gonna see and feel those downturns, and it's about making sure you can go through those downturns, allow your portfolio to recover, and come out the other side.","start_word":2968,"end_word":3011,"intents":[{"intent":"Resolve portfolio dynamics","confidence_score":4.1362736e-7}]},{"text":"I'll go back and review the portfolio. We'll do a bit of an investment switch there for you and update things for you as well.","start_word":3246,"end_word":3270,"intents":[{"intent":"Review portfolio","confidence_score":0.19817233}]},{"text":"Now I've also got your insurances here. So you do have your MetLife insurance policy. You've got some life and TBD only. In the event of passing away, your current life sum insured is about 551,250. When you think about your life insurance and your goal for that, if you were to pass away prematurely, I apologize.","start_word":3276,"end_word":3332,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.008481482}]},{"text":"If in the event something was to happen, what exactly is it that you're wanting your life cover to pay out? What are you wanting to happen with that?","start_word":3342,"end_word":3370,"intents":[{"intent":"Clarify tbd concept","confidence_score":0.0004596729}]},{"text":"Just to cover the remainder of your mortgage, really, which is Yep.","start_word":3371,"end_word":3382,"intents":[{"intent":"Discuss mortgage coverage","confidence_score":0.0032489037}]},{"text":"How much do you have in the offset roughly? Tell you right now.","start_word":3426,"end_word":3438,"intents":[{"intent":"Verify account amount","confidence_score":0.000036744226}]},{"text":"It's good to see that loan dropping and decreasing quite well. Yep. Yeah. Yeah.","start_word":3464,"end_word":3477,"intents":[{"intent":"Provide loan update","confidence_score":0.0024067808}]},{"text":"With TBD, now has anyone explained how TBD works, what TBD is? Do you understand what Is disability that a disability insurance one? is for? Yeah.","start_word":3588,"end_word":3613,"intents":[{"intent":"Understand tbd","confidence_score":0.035967}]},{"text":"Essentially, with the TPD, obviously, the tax is up to 22%. They have this really unusual math equation that they do to work out what the actual tax liability is. I just kinda gave you the estimated based on your current sum insured and super balance at the highest tax rate.","start_word":3823,"end_word":3873,"intents":[{"intent":"Limit tax liability","confidence_score":0.44841668}]},{"text":"If in the event you are actually TBD'd, we will help you with the claim, but then I will give you financial advice on how to limit the tax as much as possible as well, how to hopefully keep the money invested so you can draw a regular income and keep the money working for you as well. So Yeah.","start_word":3874,"end_word":3933,"intents":[{"intent":"Provide financial advice and practical advice","confidence_score":0.000005292695}]},{"text":"So trying to limit the tax is absolutely a good thing, but I just like to make sure I'm giving you a bit of information explaining how that works.","start_word":4064,"end_word":4092,"intents":[{"intent":"Limit tax","confidence_score":0.40403837},{"intent":"Provide information","confidence_score":0.4440732}]},{"text":"Most people are just sorta happy to cover the mortgage, make sure their family are completely debt free, and then have a couple of years worth of, you know, net income. Alright.","start_word":4209,"end_word":4240,"intents":[{"intent":"Address debts","confidence_score":0.000020879927}]},{"text":"One of the biggest things we have is we pay for insurances hoping we never have to claim on them. The biggest risk we have is that we pay out all these premiums for the next twenty or thirty years. We get to retirement. We cancel the insurances or they expire, and we no longer need them anymore. And we never actually claim or benefit from them in any way, shape, or form. Mhmm. Okay.","start_word":4366,"end_word":4440,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.015408326}]},{"text":"I'll have to go back into the research. So because the investments go up and down continuously all day every day, we will do I'll do the research and recommend what I'm gonna swap then along with, how it works, and I'll put the switching cost in there for you.","start_word":4853,"end_word":4902,"intents":[{"intent":"Seek advice on switching cost","confidence_score":0.000022973425}]},{"text":"Does I'm just does sort that of make doing sense? good.","start_word":5089,"end_word":5099,"intents":[{"intent":"Seek clarity","confidence_score":0.0018423038}]},{"text":"welcome So to ask it has more questions it and has let dropped me know.","start_word":5107,"end_word":5121,"intents":[{"intent":"Ask questions","confidence_score":0.38266262}]},{"text":"We essentially, when we looked at the risk of that, decided whilst the portfolio whilst the investment is down, it's not down as badly as what it could be. Sometimes it's best to just cut your loss, remove the investment, and find something else and get that growth moving again rather than just to cross your fingers and hope and wait that it comes back. Does that make sense?","start_word":5386,"end_word":5454,"intents":[{"intent":"Discuss investment consequences","confidence_score":0.0009427529}]},{"text":"Sometimes it's best to just cut your loss, remove the investment, and find something else and get that growth moving again rather than just to cross your fingers and hope and wait that it comes back. Does that make sense?","start_word":5415,"end_word":5454,"intents":[{"intent":"Remove investment","confidence_score":0.361592}]},{"text":"So it is best to just kind of look at removing that from your portfolio, and then we, you know, switch you out, I get found something that's it. performing better.","start_word":5762,"end_word":5792,"intents":[{"intent":"Identify portfolio issue","confidence_score":0.000018321387}]},{"text":"So that's the one giving me grief. It is. And they can't sell that from their portfolio, but we can remove you from Van Alon to make it easier. Say that again.","start_word":5811,"end_word":5842,"intents":[{"intent":"Address investor concerns","confidence_score":0.00015259515}]},{"text":"So I can move out of Bennelong. Yep. Alright.","start_word":5883,"end_word":5891,"intents":[{"intent":"Move out of bangalore","confidence_score":0.07010483}]},{"text":"I'll just write it It's down. a little bit.","start_word":5895,"end_word":5903,"intents":[{"intent":"Write down information","confidence_score":0.00055897486}]},{"text":"So you for your super fund, we've invested you in a portfolio. The portfolio has included Venalong. Venalong then has other investments within that, and then other investments have more investments.","start_word":5918,"end_word":5948,"intents":[{"intent":"Analyze investment portfolio changes","confidence_score":0.0005109267}]},{"text":"They have not made any changes to their investments.","start_word":6040,"end_word":6048,"intents":[{"intent":"Consider portfolio changes","confidence_score":0.0018597688}]},{"text":"wrong with removing it from your portfolio. As I said, I'll do the research around what investments we put you into as a difference.","start_word":6141,"end_word":6164,"intents":[{"intent":"Determine motivation for investment decision","confidence_score":0.0000013789219}]},{"text":"I'll show you the recommendation in the advanced document, well, on the cost involved, the advantages, disadvantages, the risks involved. You get to have a look at that, take it away, and then decide whether you're happy to take that advice or not. Okay.","start_word":6166,"end_word":6209,"intents":[{"intent":"Provide advice","confidence_score":0.000069082256}]},{"text":"So what I'll do is after the call, I'll book you in for two weeks. I'll do the my payment, I will do this all the research in the meantime, and then we'll come back in two weeks, and we'll go through that together. Does that Yeah.","start_word":6218,"end_word":6264,"intents":[{"intent":"Book appointment","confidence_score":0.15287048}]},{"text":"Now just sort of back to the insurance side of things, you don't have any income protection or any trauma. Has anyone ever spoken to you about income protection in the past?","start_word":6281,"end_word":6312,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.015025844},{"intent":"Discuss income protection","confidence_score":0.30683145},{"intent":"Discuss insurance coverage","confidence_score":0.5873928}]},{"text":"Do you reckon you'll be needing to claim on that with the surgery you've gone through, Yeah.","start_word":6481,"end_word":6497,"intents":[{"intent":"Determine claim requirement","confidence_score":0.0018227277}]},{"text":"I'll go back and review your portfolio, look at how it has performed, all the costs involved, make a recommendation on switching out that then along.","start_word":6907,"end_word":6932,"intents":[{"intent":"Review portfolio","confidence_score":0.58895034}]},{"text":"Does that make all sense?","start_word":6992,"end_word":6996,"intents":[{"intent":"Update advisers","confidence_score":0.0038081857}]},{"text":"Now I just wanted to update all of your circumstances here. Just checking to see what may have changed in your life.","start_word":7093,"end_word":7114,"intents":[{"intent":"Update circumstances","confidence_score":0.6911736}]},{"text":"Do you still have that Yep. boat? Yeah.","start_word":7130,"end_word":7137,"intents":[{"intent":"Check boat value","confidence_score":0.0013794741}]},{"text":"I've got your car down with a value of 45,000. Would that be fairly accurate? The yeah.","start_word":7182,"end_word":7198,"intents":[{"intent":"Confirm car value","confidence_score":0.109629296}]},{"text":"Look, honestly, as advisers, we do also do not just super insurances, but we do build investment portfolios so you can build wealth outside of super if that's one of your goals as well. So if you do wanna sort of have that conversation, talk more about what else we can do, or look at building wealth outside of Super, let us know. We can definitely help you along with that as well. Okay? Yeah.","start_word":7405,"end_word":7479,"intents":[{"intent":"Discuss and discuss wealth outside super","confidence_score":0.055373315}]},{"text":"I did have a look at your beneficiary nominations as well, and I just wanted to clarify. So I've got Kristen down as a yeah. As a beneficiary on both your life insurance and your super, but her name is different on both of them. Her surname is different on each. Yeah.","start_word":7485,"end_word":7536,"intents":[{"intent":"Discuss and clarify beneficiary nominations","confidence_score":0.00025413817},{"intent":"Clarify beneficiary and super","confidence_score":0.000004805433}]},{"text":"So I've got Kristen down as a yeah. As a beneficiary on both your life insurance and your super, but her name is different on both of them. Her surname is different on each. Yeah.","start_word":7502,"end_word":7536,"intents":[{"intent":"Clarify how to pronounce surname","confidence_score":0.00024729013}]},{"text":"So her life insurance is under the maiden name, and her ID is all in your married name? Yeah. Sorry. Can we have it all as just my surname Absolutely. Yeah. Absolutely. Because we will need to update that one. So what I'll do is I'll get a new beneficiary set up for the life insurance with MetLife. I'll get that are you happy for us to prefill that with her now? information?","start_word":7569,"end_word":7641,"intents":[{"intent":"Update beneficiary information","confidence_score":0.6394451}]},{"text":"I also kind of like to point out as well just letting her know that you do have life insurance and super and that if she ever did need to make a claim on those, just to call us and we would help facilitate the claim for her.","start_word":7724,"end_word":7771,"intents":[{"intent":"Point out benefits of life insurance and super","confidence_score":0.00017736766}]},{"text":"And, look, honestly, we hope nothing happens. I want you to get to retirement. You know, once your kids grow up and get old and go through life perfectly fine, and we just always have to make sure these little things are all in place to protect you in the event that something happens. Yeah.","start_word":7857,"end_word":7911,"intents":[{"intent":"Ensure no changes needed","confidence_score":0.0036646149}]},{"text":"On your super, your beneficiary nomination is set up as a binding lapsing nomination. That essentially means that we you'll need to resign that dot that nomination form every three years.","start_word":7915,"end_word":7945,"intents":[{"intent":"Resign as binding blanket","confidence_score":0.0001621145}]},{"text":"Are you happy with your super nomination refilling the document out every three years, or did you want me to update that so you do it once and No.","start_word":7982,"end_word":8010,"intents":[{"intent":"Update super nomination documents","confidence_score":0.013184071}]},{"text":"I have some information on the, like, the local government trust fees that can help you to do a very simple will. They do them over the phone via email or just in the local Yeah.","start_word":8314,"end_word":8349,"intents":[{"intent":"Explain interest","confidence_score":0.0014643697},{"intent":"Provide information","confidence_score":0.062182285}]},{"text":"do that for Did you us, want please?","start_word":8354,"end_word":8361,"intents":[{"intent":"Identify self","confidence_score":0.0008649776}]},{"text":"That that is one thing we've they've been in been in to. Okay.","start_word":8387,"end_word":8399,"intents":[{"intent":"Identify key factors","confidence_score":0.000007375186}]},{"text":"And so just with your super, you're obviously in that high growth environment. It does suit someone who's not accessing super for the next sort of know, eight to ten years.","start_word":8409,"end_word":8439,"intents":[{"intent":"Discuss high growth","confidence_score":0.017742949}]},{"text":"Are you happy to stay in that high growth environment, or did you wanna reassess your risk level with the super asset That's allocation? the someone last year, but it's still you can go even higher risk, But they said maybe just leave it as is for now. So Yeah.","start_word":8450,"end_word":8499,"intents":[{"intent":"Suggest future reassessment","confidence_score":0.0000025372062}]},{"text":"So the benefit to having a high growth portfolio is you do have some defensive investments because there are times when equities see a lot of volatility, and this is probably a really good example of that with the war between The US and Iran.","start_word":8539,"end_word":8583,"intents":[{"intent":"Discuss alternative investments","confidence_score":0.0002451645}]},{"text":"The only other thing to check here, I've got income. Your income last year was about 160,000. Have you had a pay rise since then? Or A little bit more overtime. I got cleared to 10 or something this year. fantastic. Excellent. And you're still salary sacrificing about 5% of your wage? Yeah.","start_word":8707,"end_word":8759,"intents":[{"intent":"Share personal information","confidence_score":0.000007978652}]},{"text":"And you're still salary sacrificing about 5% of your wage? Yeah.","start_word":8749,"end_word":8759,"intents":[{"intent":"Ask about salary savings","confidence_score":0.009940051}]},{"text":"And long term goals, we're working towards, hopefully, retiring at the age of 60 on about $1,500 per week. Is that still your goal for that Yes.","start_word":8880,"end_word":8906,"intents":[{"intent":"Ask about retirement goals","confidence_score":0.033342194},{"intent":"Clarify financial goals","confidence_score":0.015433385},{"intent":"Discuss retirement strategy","confidence_score":0.0045636552},{"intent":"Discuss retirement planning","confidence_score":0.012936333}]},{"text":"you want are you wanting to sort of look at trying to retire earlier than that, or you think Oh, 60 yeah. would That'd be be the a bit age? better.","start_word":9123,"end_word":9153,"intents":[{"intent":"Suggesting options","confidence_score":0.000008548566}]},{"text":"It's just about looking at ways to build wealth outside of Super, whether that be, you know, buying investment property and kind of build that up and sell it off or whether you invest Year.","start_word":9169,"end_word":9203,"intents":[{"intent":"Building wealth","confidence_score":0.014998102}]},{"text":"that's not talk to my partner about. Absolutely. Yeah. And I just if that's something you wanna do, let us know. We can definitely help you out and talk to you and provide additional advice in those areas. So, yeah, just have a chat about what your joint goals are. Absolutely.","start_word":9240,"end_word":9290,"intents":[{"intent":"Discussing joint plans","confidence_score":0.05871024}]},{"text":"I'll add a little text message reminder because it is about two weeks away. Sorry.","start_word":9527,"end_word":9541,"intents":[{"intent":"Add text reminder","confidence_score":0.31253994}]},{"text":"The message will come out to let you know that you had we had you booked in for your advice presentation, and I'll give you a call at 5PM. We'll run through that. It won't take very long, and then you'll get to go back and have a really good read at the document. Okay? Awesome.","start_word":9542,"end_word":9597,"intents":[{"intent":"Book advice presentation","confidence_score":0.34728497}]},{"text":"That's basically everything to go through and update there for you. I know I've gone through a fair bit and jumped around. Is there any additional questions that may have come out or anything else that I might not have touched on? No.","start_word":9610,"end_word":9652,"intents":[{"intent":"Update information","confidence_score":0.50505376}]},{"text":"Let's get you out of that and get your portfolio continuous working and compounding. We wanna get you the best possible retirement possible. Because, I mean, Yeah. you've got a lot of working life ahead of you, but you also spend, you know, anywhere from twenty, thirty, or forty years in retirement. That's a long time to be retired. The money Car. needs to last as long as possible for you.","start_word":9687,"end_word":9757,"intents":[{"intent":"Maintain retirement","confidence_score":0.0016144159}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Dustin. It's Dana from Oakview Financial. How are you this morning?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1627061665058136},{"text":"Good. Thanks. Yourself? I'm very well. Thank you.","start_word":13,"end_word":20,"sentiment":"positive","sentiment_score":0.5170027613639832},{"text":"I have people going to go through a bit of an annual review today. Is now still a good time there for you? Yeah. That's fine. Yep.","start_word":21,"end_word":47,"sentiment":"neutral","sentiment_score":0.1807757318019867},{"text":"Fantastic.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.4121850430965424},{"text":"I was trying to take up too much of your time there. Are you working this morning? Or No. I had surgery last week, so I'm off for a couple of weeks. oh, so Yeah. sorry. How's Yeah. your That's recovery a going? My smile's steady. Yep. Yep. We Yeah. got plenty of Netflix to watch or something to read. Yeah. I've been reading like crazy and Oh, well, I hope your recovery continues. Oh, Yeah. I'm so Thank sorry you. to hear that. All No. good. That's not I did send through an email to you with a couple of the documents to run through with regards to your annual review there as you have access to your emails. If you don't, that is absolutely okay. Yeah. I've got it here. Yep. Fantastic. And just before I jump into the call, just letting you know moving forward, would you record our call for quality and training purposes? Would you happy for me to proceed with that? Yep. Fantastic. And I just need to do a quick security check with you just to confirm your full name, your date of birth, and address I should have on file Dustin. there. 27 Yep. 989. 102 Gaggen Road, Anna Bay 2316. Legend. Thank you so much for that. So, Justin, the main document within that email, there is the ongoing service agreement for the twelve months there. On the very front page before you press the sign back, you'll see some attached documents below. One of those is the super and insurance summary and the hub twenty four performance report. Can you see the the summaries on there at all? Good morning. Please find. Should be below that one. Yeah. Attachments include Yep. yep. Okay. Perfect. So one of those should say super and insurance summary. Hello? Is that Yep. the attachment you can see there? Yeah. Yep.","start_word":49,"end_word":364,"sentiment":"neutral","sentiment_score":0.04688131492113388},{"text":"Perfect.","start_word":365,"end_word":365,"sentiment":"positive","sentiment_score":0.4806225001811981},{"text":"Trying to send it to. So that should have the date on there as of the 07/08/2026 that lets you know your super balance is now $2.90 Yeah. Right 8 and 545. Is that what you can see there? now. What do I say? What did you say? 298 Yours 545? yeah. That's the one. Yep. That's it. Yeah. That's what I'm looking at.","start_word":366,"end_word":429,"sentiment":"neutral","sentiment_score":0.07449349761009216},{"text":"Fantastic. All good.","start_word":430,"end_word":432,"sentiment":"positive","sentiment_score":0.5273129343986511},{"text":"So I'm trying to go too fast. My technology can be horribly painful sometimes, so just making sure you're looking at the same document I am. Beautiful. Yep. Not at all. When I have a look back, I get a new review last. Your balance then was 246,824. I don't see your balance has increased nicely on the last twelve months.","start_word":433,"end_word":493,"sentiment":"neutral","sentiment_score":0.02083117887377739},{"text":"So it is really good to see. Very happy with that.","start_word":494,"end_word":504,"sentiment":"positive","sentiment_score":0.519633948802948},{"text":"Obviously, you're not used to not we're probably more aware of, obviously, what's been happening out there in the market globally at the moment with, you know, this we've seen the war between The US and Iran. We've also sort of seen issues internally in Australia with high inflationary rates, and our interest rates have been increasing as well. So all those things have had a bit of an effect on super and the markets as a whole. Yeah. It took The a big other hit a attached few months ago. yeah. If you have I'll look at the other report, the performance report, it should say hub twenty four performance report. Is that Yeah. heading there? Is this under the different insurance summary, or is this a different one? It's Sorry. a different one. Yeah. No. You're fine. Oh, yeah. Performance. So, yeah, so it's all down the bottom. Yeah. That's all good. Download. Yeah. Okay. I'm Beautiful. in. So this one here is giving you an outline of what your super fund has done and all the individual investments as a whole. The third page there does outline all your individual investments. You can see you've got access to Australian equities. You've got bank hybrids, which is defensive assets. We've got global cybersecurity. You've also got some of the tours there, which is the Rafi 200, giving you exposure to mid cap stocks.","start_word":505,"end_word":739,"sentiment":"neutral","sentiment_score":0.018885999046107556},{"text":"We've got battery and lithium tech in there, physical gold, which has done really, really well. We've got access to the S and P 500, some China stuff there as well, and also listed property. As a whole, most things have performed really, really well.","start_word":740,"end_word":784,"sentiment":"positive","sentiment_score":0.45398107171058655},{"text":"Looking at the first page there, though, you've been along equities.","start_word":785,"end_word":795,"sentiment":"neutral","sentiment_score":-0.068799689412117},{"text":"That is down a bit.","start_word":796,"end_word":800,"sentiment":"negative","sentiment_score":-0.3451225459575653},{"text":"Obviously, when you sort of have a look at investments and when we're looking at whether an investment needs to be removed or changed from a portfolio, we're looking at how that investment has performed as opposed to the rest of the market. With regard to Bennelong, Australian Equities as as a whole, with the ups and downs we have been noticing, have still actually been performing very, very well. The fact that Bannalong is showing it's down a little bit at the moment is pretty significant. I went back and had a really good look at Bannalong as a whole.","start_word":801,"end_word":901,"sentiment":"neutral","sentiment_score":-0.03276679664850235},{"text":"Unfortunately, they've had some underlying issues within their investment portfolios, so we do wanna look at maybe switching it out of that investment.","start_word":902,"end_word":924,"sentiment":"negative","sentiment_score":-0.36115312576293945},{"text":"I think one of the most important things to note is that whilst you do have a good time horizon ahead of you, we don't wanna see you in any investments that are underperforming for too long. If something's underperforming and there's an issue within the investment, we need to maybe look at removing that out and replacing it fairly quickly so your portfolio can continue to grow. Does that make sense? Yeah. Well, I'll take a lost chopping and changing that one. It depends. So there is a bit of a down. Have you looked at your portfolio at the moment? There is a tax liability of just over $1,000. So if we do sell that, it does mean that the portfolio that we do cement any losses that are being seen within the portfolio as a whole. However, when you consider the tax consequences, so capital gains inside the super system are taxed at 15%. If you tell the investment for more than twelve months, it's taxed at 10%. You get a discount on that. So you're not while it Yes.","start_word":925,"end_word":1107,"sentiment":"neutral","sentiment_score":-0.18039563485507756},{"text":"shows the earnings are down by $7,800, you're actually not cementing the whole 7,000 loss. The loss would essentially be or the capital loss would essentially be the tax consequences for that.","start_word":1108,"end_word":1139,"sentiment":"negative","sentiment_score":-0.4653848111629486},{"text":"So out of that 15 Alright. Which percent, one which one is this one we're talking about? the Benelon Australian equity is the very first investment. Oh, yeah. The top one. See, I've got Yeah. a fair bid in that. Yeah. I mean, realistically, you had about less than 10% of your portfolio. It wasn't Oh, one what's of your the core 30 investments, four what's the but 34,000 there? the 34,000, The market value start period. Alright. That's how much you had in the investment total last year. So at the start of the time frame, this is the ninth of the seventh last year, you had 34,445 in there. And then Yeah. market value at the end of the period means, at the moment, you've got about 30,520 and 88<unk>, so that's the market value of the investment. And that essentially shows with growth and income within the portfolio, it is down by 21.29% for that individual investment, which shows total earnings is down by over $7,841. Okay. Alright. So what do you Yeah. recommend? Just getting rid of that one? Absolutely. Yeah. Look. It does mean cementing a loss, but we are removing that from the portfolios now. We just have to update the advice and make sure that we recommend a new investment to put in its place. Having a look, as I said, I had a bit of a look beforehand to see what's been going on with the portfolio and how things are going.","start_word":1140,"end_word":1391,"sentiment":"neutral","sentiment_score":-0.07770679146051407},{"text":"The issues within Better Long are because the investments have had some not great investments have had some issues within their portfolios, And the fact that it's down quite heavily, it is best to kind of remove that now.","start_word":1391,"end_word":1430,"sentiment":"negative","sentiment_score":-0.44013452529907227},{"text":"We are cementing a little bit of a loss, but cementing a little bit of a loss does is a benefit because you you don't have your fund doesn't pay any capital gains. It doesn't normally have to pay taxes for doing so. So what I can do is I've got a couple of options. Now one of the big things with Stand Along is that it's more of an actively managed fund. So the investment manager for that fund is trying to buy and sell out perform against the market they clearly haven't been able to do so, which is why we wanna remove them from the portfolio wholly. I can, if you would like, I've got a couple of options for other active managers that, again, they are trying to outperform against the market. There's no guarantee that they will. Sometimes they do underperform against the market. It's that then along have had a lot more issues than just underperformance. Essentially, the other option is we can look at something a bit more passively managed. So a passively managed fund is there to track the market. They're not trying to outperform against the market. Often, when you consider passive versus active management within an investment, passively managed funds tend to outperform much greater because they're not trying to buy and sell against the market. They're not trying to pick the top and the bottom of the market. They're just staying invested. They're following an index. It's often a lot cheaper to do it that way as well. Did you want me to maybe look at something more passively for you, maybe try to lower the investment cost within your fund and replace that, or did you wanna keep something more actively managed within the portfolio? What would you like to see? Look. I'm I'm kinda lost, to be honest. Look. I'm still young enough to to lose or play a bit risky, I believe. Mhmm. Yep. So I'm happy to keep maybe something a bit more aggressive or what what do you think? Yeah. Look.","start_word":1429,"end_word":1775,"sentiment":"neutral","sentiment_score":0.015141133219003676},{"text":"It's absolutely fine.","start_word":1776,"end_word":1778,"sentiment":"positive","sentiment_score":0.4269576966762543},{"text":"We can put more of an actively managed investment in there for you if you like. That way, we can sort of see how that goes. We just track that over the next sort of twelve months. And then if we find it's still not working, it's not really doing what it needs to, then we can always go the passive the passive managed route.","start_word":1779,"end_word":1843,"sentiment":"neutral","sentiment_score":0.11211407304956364},{"text":"That's absolutely fine.","start_word":1844,"end_word":1846,"sentiment":"positive","sentiment_score":0.629374623298645},{"text":"One of the big things I do sort of look for in an investment is, you know, how it has tracked over the last twelve months, how it has been over the last five to ten years even to sort of see if there's any major issues in there. Passive management I mean, there's two sort of ways of looking at risk with your portfolio. One of those is the the type of management within the funds that you're invested in. Obviously, having an active manager is a little bit more risky. You do have those down times. You do tend to feel those down times. Having a passive managed fund does sort of reduce the risk a little bit. But the other side of the risk factor is your growth and defensive assets. So as a total in the portfolio you're in, you're in more of a high growth environment. So you see 90% of your investment as growth assets. That's a combination of international equities, Australian equities, listed property, and also commodities like gold and silver, and then there's a small amount, 10% in low risk defensive assets. You can still keep the risk at that higher level by having a passively managed fund in there. One of the big things is is that lowering the cost is more about making sure you're diversified. So one of the passively managed funds I'm looking at helps to lower the overall risk of the portfolio because standalone normally holds, say, 15 to 25 different investment options. One of the other ones I've been looking at is actually giving you exposure to, you know, the top 200 companies on the ASX. So it's actually giving you more exposure to the Australian stock market. It's still Mhmm. giving you that high growth asset allocation. It's just a lower cost investment has performed greater, and you're kind of reducing that overall risk of your portfolio by having a less actively managed fund in there. But you still keep the risk level with the overall growth of defensive asset allocation. Does that make sense? There's a little bit there's a lot to it. There's a lot there. Got it. Look. I'm I guess that's kinda why I'm paying you guys to manage this. Yes.","start_word":1847,"end_word":2226,"sentiment":"neutral","sentiment_score":0.11594404404198652},{"text":"Like, do you think it's the best thing for me moving forward?","start_word":2227,"end_word":2238,"sentiment":"positive","sentiment_score":0.33624565601348877},{"text":"Let's just do it. Yes. Did you want me to look at both the options and look at how they have performed the overall cost of it, any CGT consequences for making the move, and look at what's gonna put you in a better position moving forward overall? Yeah. Let's do that. Yep.","start_word":2239,"end_word":2291,"sentiment":"neutral","sentiment_score":0.1820193827152252},{"text":"Beautiful. Beautiful.","start_word":2292,"end_word":2293,"sentiment":"positive","sentiment_score":0.5868216156959534},{"text":"It's really funny because we also talk about the risk versus reward sort of sort of side to our portfolios, but there's risk isn't just, you know, one manager versus another. It's not just growth versus defense. There's so many different risk levels that go into investing in the market and how we diversify, you know, as growth and defensive, also what investment managers we have. There's lots of different options there. So if you want, as you said, you just you pay us to make the recommendation. I'm happy to go back, look at both active and active and passively managed funds, look at how they have performing, look at the overall diversification, the cost of, obviously, making the switch and selling this investment and putting you in something else, and look at how everything has performed, and maybe project that over the next five to ten years for you to see what kind of position that puts you in. Does Yeah. that sound really good? Yeah. Yes? Let let's do that. Let's do that future projection and maybe one Yep. just to compare where I'm at now Yeah. so Well, I we can do that anyway. So in the advice, we have to put down your current position versus the recommended and show Yep. you both of those so you can make your decision. Oh, okay.","start_word":2294,"end_word":2521,"sentiment":"neutral","sentiment_score":0.14103712141513824},{"text":"Cool.","start_word":2522,"end_word":2522,"sentiment":"positive","sentiment_score":0.34261786937713623},{"text":"Alright. Yep.","start_word":2523,"end_word":2524,"sentiment":"neutral","sentiment_score":0.27402281761169434},{"text":"Beautiful. I will do that. Easy.","start_word":2525,"end_word":2530,"sentiment":"positive","sentiment_score":0.5661425590515137},{"text":"So we'll provide a new updated statement of advice for you that shows you where you are currently, what that is projected for, the recommendations that we're making that we're recommending, and then you'll get to see both of those, and you get to decide and tell me whether you're happy to proceed with that or whether you have any alterations. Does that Yeah. sound okay? Yeah. That Yep.","start_word":2531,"end_word":2599,"sentiment":"neutral","sentiment_score":0.10857435315847395},{"text":"sounds good. Beautiful. Fantastic.","start_word":2600,"end_word":2603,"sentiment":"positive","sentiment_score":0.5047788619995117},{"text":"Now looking at that same document, so while Send Along is down, and most other investments are doing quite well, your Van Es property is down a little bit for the year. That is okay. There's nothing wrong with the investment as a whole. Obviously, property has had a bit of a fallback recently. There's a lot of changes that are going through with regards to property. It is still worth keeping invested in that. I will obviously go back and, as part of the overall recommendations, just review the investment. If I feel like moving forward, it's not gonna be anything appropriate and that we maybe need to switch it out, I'm happy to make that recommendation as well. Are you happy for me to review that for you? Yeah, please. Yeah.","start_word":2604,"end_word":2736,"sentiment":"neutral","sentiment_score":-0.03735579922795296},{"text":"Fantastic.","start_word":2737,"end_word":2737,"sentiment":"positive","sentiment_score":0.4202277660369873},{"text":"On the second page of that same document, it does give you an overall. So you can see, obviously, that Benelon hasn't performed very well, but all your other investments have well have performed fairly well.","start_word":2738,"end_word":2773,"sentiment":"neutral","sentiment_score":0.2430088222026825},{"text":"You still received a lot of income and growth within the portfolio over the past twelve months, and, essentially, net of fees, including our ongoing service fee, your entire portfolio has actually received a positive 9.58% return.","start_word":2774,"end_word":2810,"sentiment":"positive","sentiment_score":0.36026859283447266},{"text":"So, What overall, was the last you piece have done of that, quite well. Wasn't I can pull the report up for you, two sec. it? I think last year I killed it.","start_word":2811,"end_word":2843,"sentiment":"neutral","sentiment_score":-0.03941825777292251},{"text":"I ain't.","start_word":2844,"end_word":2845,"sentiment":"negative","sentiment_score":-0.38166654109954834},{"text":"Where are we? Report. There we go. Let's have a look. Last year's portfolio report, you made net of fees 12.18%. So, yes, it is down a little bit on the last twelve months on the previous twelve months. Sorry. But it's still doing very, very well. Yeah. There's a lot going on happening in the world, I guess. Absolutely. And that's really important to note is that whilst you're always wanting great returns and compounding, We're never guaranteed to set return every single year. And with the markets going up and down, with investors going up and down at different levels, some years you'll end up with a twelve, fifteen, or 20% return. Other years, the return could definitely be lower. With a high growth portfolio, because you are taking more risk in the market, you are gonna see and feel those downturns, and it's about making sure you can go through those downturns, allow your portfolio to recover, and come out the other side. With a high growth portfolio, we're looking to average an expected return of between eight to 10% on a yearly basis. So while spend along is down for the year, your portfolio has still performed within the expectation.","start_word":2846,"end_word":3049,"sentiment":"neutral","sentiment_score":0.00043955341200618185},{"text":"So it is still working the way it should do. The performance as a whole is still within the expected range.","start_word":3050,"end_word":3070,"sentiment":"positive","sentiment_score":0.5340673327445984},{"text":"And, obviously, having a look at the previous year's report of receiving a 12, I think, 51% return, that was obviously a really well performed year, and that was an over performance for your portfolio there as well. So it is extremely normal to have the ups and downs for some years to get better performance than others, but it's about making sure that we're compounding forward continuously. And over in this sort of environment, realistically, one in every five years, you can expect a negative return or a bit of a downturn as well. So while things have been performing really well, the possibility of a downturn is is expected and will happen in the future. We'll let you know when that happens, why it's happening. It's about making sure you can continue to put your super contributions in, keep dollar cost averaging in, and allow your portfolio to go through those downtimes as well. Does that Okay. make sense? Yes. Yes.","start_word":3071,"end_word":3233,"sentiment":"neutral","sentiment_score":-0.026562126353383064},{"text":"Beautiful. But then, look, it has done really well. Happy with that.","start_word":3234,"end_word":3245,"sentiment":"positive","sentiment_score":0.5820697546005249},{"text":"I'll go back and review the portfolio. We'll do a bit of an investment switch there for you and update things for you as well. Okay? Okay. No worries.","start_word":3246,"end_word":3274,"sentiment":"neutral","sentiment_score":0.22695098663198535},{"text":"Beautiful.","start_word":3275,"end_word":3275,"sentiment":"positive","sentiment_score":0.5065245628356934},{"text":"Now I've also got your insurances here. So you do have your MetLife insurance policy. You've got some life and TBD only. In the event of passing away, your current life sum insured is about 551,250. When you think about your life insurance and your goal for that, if you were to pass away prematurely, I apologize. Justin, these conversations Yep. get a little bit dark. If in the event something was to happen, what exactly is it that you're wanting your life cover to pay out? What are you wanting to happen with that? Just to cover the remainder of your mortgage, really, which is Yep. far, Perfect. far less than what I've got anyway. So Yeah. Absolutely. So I had down here you owed about 380,000. Is that still fairly accurate? down about $2.80 now. Oh, fantastic. Yeah. That's with money in the offset, though. Yeah. That's okay. How much do you have in the offset roughly? Tell you right now. Just let me log in. You're right. Where am I? Alright. So $3.76 Mhmm. is the current, and the availability is 93.","start_word":3276,"end_word":3460,"sentiment":"neutral","sentiment_score":0.018717046827077866},{"text":"Beautiful. Excellent. Fantastic.","start_word":3461,"end_word":3463,"sentiment":"positive","sentiment_score":0.4803481101989746},{"text":"It's good to see that loan dropping and decreasing quite well. Yep. Yeah. Yeah. Trying to stop for that. Couple of things Absolutely. to help Are in that. you Yeah. yeah. No. Absolutely. Well, having a look at that, I mean, realistically, with your life cover you have at the moment, the $5.51, 250, if you were to pass away, that is paid out to your beneficiaries there. And then your super balance on top of that with the extra 298 is fully paid out as well. So it's Yes. essentially together giving you a little over $800,000 in cover to look after your family. Do you feel like that's fairly appropriate? You're happy with that? Yeah. For now. Yeah. Yep. That's absolutely fine. With TBD, now has anyone explained how TBD works, what TBD is? Do you understand what Is disability that a disability insurance one? is for? Yeah. Yeah. Yeah. So that was what was that insured for? I forget. So your current sum insured, that one is 551,002 But 100 it's and saying, 50. they might yeah. That's Yeah. Absolutely. In the event of a TBD claim, your super balance can be released as well, so we claim time to incapacity against super. So the total benefit gives you about 849,000 paid out. The thing with PPD, I don't know if anyone's ever explained to you, but PPD, the 48 fee claim under the age of 60 is actually taxed. It can be taxed up to 22%. So just like giving you an idea on what that might look like, it essentially means that from the balance you have currently, your super and the TBD benefit, the tax would mean at 22%, about a 186,000 would be deducted from that. So you get that $8.49 minus about a $186,000 there. That's good to say the government get more of my money.","start_word":3464,"end_word":3777,"sentiment":"neutral","sentiment_score":0.026574924671251304},{"text":"It's honestly really horrible. I don't like it. I disagree with it in any I think it's disgusting. I think if you can't get back to work again due to permanent incapacity, the last thing the government should do is tax that. Yeah. It's horrible. Essentially, with the TPD, obviously, the tax is up to 22%. They have this really unusual math equation that they do to work out what the actual tax liability is.","start_word":3778,"end_word":3852,"sentiment":"negative","sentiment_score":-0.6378514170646667},{"text":"I just kinda gave you the estimated based on your current sum insured and super balance at the highest tax rate. If in the event you are actually TBD'd, we will help you with the claim, but then I will give you financial advice on how to limit the tax as much as possible as well, how to hopefully keep the money invested so you can draw a regular income and keep the money working for you as well. So Yeah. there are things that we can do to help limit that amount of tax, but I kind of like people to understand that CPD, unfortunately, is a tax payment. And if you take the full amount lump sum, a lot of people don't realize how much tax actually gets deducted from that, and it can reduce your CPD, some insured, pretty significantly. And, I mean, a $186,000 could be one or two or three years of your income or of your life that you can't get back. So if you think about it, if you're fully disabled and not able to go back to work again at your current age, you have to live from now to retirement or even longer and make that money last as long as possible.","start_word":3853,"end_word":4063,"sentiment":"neutral","sentiment_score":0.016254447153394257},{"text":"So trying to limit the tax is absolutely a good thing, but I just like to make sure I'm giving you a bit of information explaining how that works.","start_word":4064,"end_word":4092,"sentiment":"positive","sentiment_score":0.43118786811828613},{"text":"Just so if in the event of a TBD claim, you understand that this is a possibility. Okay? So, yeah, I've gotta live off, what, 600 or $6,700. At the moment, yeah. Yeah. Yeah. In saying that the the closer you get to retirement, obviously, the lower the tax rate tends to be. The kind of the equation is sort of age 65 minus your age now and then a whole bunch of random things the ATO comes up with. It's What a bit is like the what do mix people rate. usually go for my age and my position? Like, am I in the normal parameters of what people have Yeah. or Yeah. yeah? Absolutely. Most people are just sorta happy to cover the mortgage, make sure their family are completely debt free, and then have a couple of years worth of, you know, net income. Alright. One of the things to sort of think about is if you look at replacement of income in the event of, say, a TBD claim or even death and your insurance is paid out to you, once you've covered that mortgage and the mortgage is fully paid off, the amount that you're currently paying on the mortgage is no longer happening. So, realistically, Yeah. if you're earning about a $100,000 a year, you could actually generally live on, say, $50,000 a year and make that TBD payment last longer because your living expenses decrease without the mortgage repayment. Does that make sense? Yep. Yeah. So this could last you a bit longer. In saying that we cover ourselves for a claim that may never happen. One of the biggest things we have is we pay for insurances hoping we never have to claim on them. The biggest risk we have is that we pay out all these premiums for the next twenty or thirty years. We get to retirement. We cancel the insurances or they expire, and we no longer need them anymore. And we never actually claim or benefit from them in any way, shape, or form. Mhmm. Okay. Kind of sounds nice when you put it that way, doesn't it? Yeah. Yeah. Yeah. I'll just, yeah, after all, I'm just doing a bit of research on my end at the moment too. Yeah. You're Just fine. like Absolutely yeah.","start_word":4093,"end_word":4481,"sentiment":"neutral","sentiment_score":0.05171936784887682},{"text":"fine. Excellent.","start_word":4482,"end_word":4483,"sentiment":"positive","sentiment_score":0.4516106247901917},{"text":"Is I mean, at the moment, do you feel like the level of cover you have is appropriate? Did you wanna maybe look at reviewing the level of cover you have? Are you happy with that? Just I'll knowing I'll leave everything it as is. that I'll leave it as is for yeah. now. Yeah. Yeah. I think that's going alright. Yeah. Yeah. Definitely. And, I mean, the good thing is you are reducing your mortgage pretty heavily. So, you know, once you do become fully debt free, obviously, that 500,000 will last would, sorry, would last a lot longer. The other side of that is these insurances are renewed every year, and they are indexed. So you'll notice if you have think about your last year. Last year, when you did your annual review, your life and TPD, you were covered for 525,000. This year, it's gone up to 551,250. So your insurance policy is essentially indexed every year. It does increase over time along with inflationary rate. So the idea is that because inflation eats away our buying capacity, a $100 this year isn't less than a $100 next year. If inflation is 2.5%, then a $100 is reduced in buying capacity by 2.5%. So they do increase to some insured of your insurance policy every year as it goes through renewal, so it will continuously increase in smaller increments.","start_word":4484,"end_word":4715,"sentiment":"neutral","sentiment_score":0.07949060946702957},{"text":"However, the cost is also going to increase. As you get older, as the risk of you making a claim increases, your insurance policy is also going to get more expensive.","start_word":4716,"end_word":4746,"sentiment":"negative","sentiment_score":-0.6004490256309509},{"text":"Last year, for your insurance policy, which is kind of interesting I'm gonna pull a certificate of currency up because your insurance policy looks like it decreased in in cost, which if it did is absolutely fine, but it doesn't normally happen that way. Sorry. Let's Sorry. have Just a look. going back to the bet along shares. Yeah. So you're thinking of replacing it with Yep. something else, are you? Like, in dumb terms sort of just cashing in and then whatever I've got, redoing it, but Yes. somewhere else? Yep. Yep. So Yeah. how Definitely. much do I lose doing that? I'm not sure. I'll have to go back into the research. So because the investments go up and down continuously all day every day, we will do I'll do the research and recommend what I'm gonna swap then along with, how it works, and I'll put the switching cost in there for you. I'll show you what the the Alright. tax consequences would look like in the advice for you. Just Okay. because I could work out the amount now, but then when I give you the advice document, because it could be, you know, a week or two's time, the amount could be very different. So I'll open the advice I'll I'll do the research on the investments. What we're gonna switch out was look at this, obviously, the cost price, and I'll show you what the tax consequences look like for your super funds and what the difference would be in what you're invested in now versus what you would be invested in that new in that new investment. Does that sound okay? Yeah. Yeah. We'll do that so we change Yes. anything drastic. Yeah. Well, we can't change anything until you agree to the advice. So you'll get Yeah. to see the advice and then decide whether you want the switch to happen, And then you would just need to sign off those switch before we actually make that change. Yeah. Yeah. Okay. No worries. Sorry. Does I'm just does sort that of make doing sense? good. You're right. Yeah. You're right. You're Yeah. welcome So to ask it has more questions it and has let dropped me know. in It's the last absolutely couple of months, fine. hasn't it? The last three months, that's been It a has. long yeah. Yeah. But Absolutely. there is a chance And it look, could it's come not back. coming. Yeah. It it could, but the biggest thing we're finding is that it's it's because of the underlying investment. And, essentially, what's gonna happen is one of the underlying investments has had a legal problem.","start_word":4747,"end_word":5194,"sentiment":"neutral","sentiment_score":-0.03120100104050445},{"text":"Because of the legal problem, it means that Venlo Long can't remove that investment. So, yes, it could come back.","start_word":5195,"end_word":5214,"sentiment":"negative","sentiment_score":-0.36114171147346497},{"text":"It might take, you know, twelve months. It could take four years. It could take even longer than that. We kind of had to work out with our investment committee whether we wait for it to come back or whether we just decide to remove it now. The main decision for removing it now is that Fenelon has been very volatile since COVID. It took a long time to recover from COVID. They haven't changed any of their investments within that portfolio since 2020. And generally speaking, to not do that in six years means you have to have very high conviction of those investments.","start_word":5215,"end_word":5319,"sentiment":"neutral","sentiment_score":-0.2657901346683502},{"text":"But then they've now had this issue where one of their underlying investments was dishonest to the market. That came out. They've now got a legal issue with one of their underlying investments, and they can't get out of that. Depending on how that legal issue kinda goes or what happens within the fund means that they could dip even more or they could come back. We essentially, when we looked at the risk of that, decided whilst the portfolio whilst the investment is down, it's not down as badly as what it could be.","start_word":5320,"end_word":5414,"sentiment":"negative","sentiment_score":-0.36918097734451294},{"text":"Sometimes it's best to just cut your loss, remove the investment, and find something else and get that growth moving again rather than just to cross your fingers and hope and wait that it comes back. Does that make sense? Yeah. Did I what is that legal issue that they're going through? Yeah. One of the underlying investments I can't remember the exact name of it, but they essentially came out to the mark. Oh, it's Corporate Traveler. There it is. Corporate Traveler is one of the underlying investments. They essentially came out to the market and didn't disclose exactly the cost that they were making.","start_word":5415,"end_word":5520,"sentiment":"neutral","sentiment_score":-0.12654976539735524},{"text":"They were overcharging people and causing a lot of legal issues.","start_word":5521,"end_word":5531,"sentiment":"negative","sentiment_score":-0.3617997169494629},{"text":"That got disclosed to the market when they were audited, and then they're going through investigations and more audit. And it was more to do with their UK division. So it had quite an effect on them because of the legal issue and they're being audited and investigated. Corporate traveler was at trading halt, which meant that Bannalong could not sell their portion of that investment. But we can sell Bannalong. Is that alright. So that's is it what did you say? Corporate traveler management? It's the investment yeah. It's the underlying investment. It's corporate traveler within Bennelong. So not CTD, just CT. Yeah. Okay. Sorry.","start_word":5532,"end_word":5637,"sentiment":"neutral","sentiment_score":-0.1498037874698639},{"text":"So I'll it's just better to get rid of it now.","start_word":5638,"end_word":5648,"sentiment":"negative","sentiment_score":-0.3926663100719452},{"text":"No. You're right. It's it's yep.","start_word":5649,"end_word":5654,"sentiment":"neutral","sentiment_score":-0.30804744362831116},{"text":"just better to sort of get rid of it now rather than hope and wait knowing that the risk of it getting worse or getting it may not recover for a longer period of time is there.","start_word":5655,"end_word":5691,"sentiment":"negative","sentiment_score":-0.5161851644515991},{"text":"Yep. Alright. Yeah. So I'm just writing Sometimes it down. it's best to yeah. You're sometimes it's best to just cut your losses and find a better investment to take its place rather than to just hope and wait that it's gonna come back. But, I mean, this this is an issue with corporate travel that happened a few months back, and Venmo hasn't come back and recovered from that. So it is best to just kind of look at removing that from your portfolio, and then we, you know, switch you out, I get found something that's it. performing better. I found it. It's that corporate travel Yeah. travel management, a six three d d. Alright. Yeah. Okay.","start_word":5692,"end_word":5810,"sentiment":"neutral","sentiment_score":-0.14526999580572134},{"text":"So that's the one giving me grief. It is.","start_word":5811,"end_word":5819,"sentiment":"negative","sentiment_score":-0.3648569583892822},{"text":"And they can't sell that from their portfolio, but we can remove you from Van Alon to make it easier. Say that again. Sorry. I said they can't sell out of that investment, so we can sell you out of Van Alon. We can get you out of Van Alon. But then a long time, they'll corporate travel out of their portfolio. Yeah. So I can move out of Bennelong. Yep. Alright. No worries. Yeah. I'll just write it It's down. a little bit. The way the investments work is a little bit funny. So you have layers. So you for your super fund, we've invested you in a portfolio. The portfolio has included Venalong. Venalong then has other investments within that, and then other investments have more investments. There's always layers to the way investing works. So it's a little bit convoluted, but yeah. Look. I definitely wanna move you out of that. I'm gonna be really honest. Strong in my conviction with that. I've been trying to move everyone out of Bangalore as quickly as we possibly can because it in the last sort of six months, it has not come back, and I don't see it coming back in a hurry. And the fact Yep. that over the last six years, it had such ups and downs.","start_word":5820,"end_word":6039,"sentiment":"neutral","sentiment_score":-0.08565232902765274},{"text":"They have not made any changes to their investments.","start_word":6040,"end_word":6048,"sentiment":"negative","sentiment_score":-0.35173526406288147},{"text":"And even with the markets changing between from COVID to now, the fact that they haven't changed their underlying investments. They've held that conviction strong means that they believe in those, which is fine for them. But what you invest in in, say, six years ago might need to be altered. Markets change, trends change, things change over time, and investment portfolios need to continuously change with that, making sure they're updated and continued along with the trend, along with what's happening, along with your goals as well. So there's nothing Yeah. wrong with removing it from your portfolio. As I said, I'll do the research around what investments we put you into as a difference. I'll show you the recommendation in the advanced document, well, on the cost involved, the advantages, disadvantages, the risks involved. You get to have a look at that, take it away, and then decide whether you're happy to take that advice or not. Okay. And that'll be about a week or two. Yeah. So what I'll do is after the call, I'll book you in for two weeks. I'll do the my payment, I will do this all the research in the meantime, and then we'll come back in two weeks, and we'll go through that together. Does that Yeah. sound That's okay? yeah. That sounds Yeah. good. Yep.","start_word":6049,"end_word":6273,"sentiment":"neutral","sentiment_score":0.040291040986776355},{"text":"Beautiful. Beautiful. Okay. Awesome. Excellent. All good.","start_word":6274,"end_word":6280,"sentiment":"positive","sentiment_score":0.551628828048706},{"text":"Now just sort of back to the insurance side of things, you don't have any income protection or any trauma. Has anyone ever spoken to you about income protection in the past? And so what would happen if you were unable to get to work in the short term? I know you're off at the moment, but how We do you get sort of cover your income? we get being with the union, we get ACERT. So we get up to two years income protection. Okay. Yeah. So I think that's why I've Perfect. never done that because that's all part of our union fees. Oh, you need these? Absolutely fine. That's not a problem. Also, you have sort of income protection covered with the union there to cover you. That's absolutely fine. That's Yeah.","start_word":6281,"end_word":6415,"sentiment":"neutral","sentiment_score":0.009032724425196648},{"text":"perfect.","start_word":6416,"end_word":6416,"sentiment":"positive","sentiment_score":0.36182400584220886},{"text":"I think it's up to 85% of the wage. So I I know That's one of the actually boys, very he got good. yeah. He got to buy a car or something on his bike, and Yeah. he's been up eight months, and he's still getting, I think, $8,800 in the end every week. So Oh, fantastic. That's yeah. really, really Yeah. good. Yeah. Do you reckon you'll be needing to claim on that with the surgery you've gone through, Yeah. or No. do you think No. you'll I've be back only at got, work before like, then? two two, three weeks off, and that's it. Okay.","start_word":6417,"end_word":6523,"sentiment":"neutral","sentiment_score":0.06225025535465401},{"text":"Beautiful.","start_word":6524,"end_word":6524,"sentiment":"positive","sentiment_score":0.5482630729675293},{"text":"Yeah. Yeah.","start_word":6525,"end_word":6526,"sentiment":"neutral","sentiment_score":0.2680759131908417},{"text":"Excellent.","start_word":6527,"end_word":6527,"sentiment":"positive","sentiment_score":0.6015238761901855},{"text":"I've got another three weeks off, and yeah. Yeah.","start_word":6528,"end_word":6536,"sentiment":"neutral","sentiment_score":0.2320222407579422},{"text":"Lovely. Lovely. Yeah. Excellent.","start_word":6537,"end_word":6540,"sentiment":"positive","sentiment_score":0.5316669940948486},{"text":"With the insurances, so, like, your life and TPD is paid for inside super. However, with other insurances like trauma and things like that, you have to pay them outside of you obviously don't have any trauma insurance. And just to give you a bit of a lowdown, trauma can cover you or pay out a lump sum benefit if you're diagnosed with a major condition, things like heart attack, stroke, cancer is probably the biggest one, Parkinson's. Not having trauma means you don't have that level of cover. Did you wanna look at getting any trauma or any other types of insurance that you don't currently hold? Are you just happy with your life and CBD? Yeah. I'm just happy with that for now. I think I'll be right for the next Yes. couple of years at least. No. That's absolutely fine. That's not a problem at all.","start_word":6541,"end_word":6689,"sentiment":"neutral","sentiment_score":0.04923585429787636},{"text":"Beautiful.","start_word":6690,"end_word":6690,"sentiment":"positive","sentiment_score":0.4465709924697876},{"text":"Well, that's essentially going through all of those documents there. The only other ones attached are our financial services guide, which outlines all the information on myself, on OB Financial, all of our services that we do provide. We've got the ongoing service fee agreement there as well for the next twelve months. So as a client, you do pay us an ongoing service fee for monitoring, looking after your super, updating, providing advice, doing news reviews, and sort of tracking forward towards your retirement goals there. The ongoing service fee is 1.65 per annum. It is deducted in smaller monthly increments out of your super, the idea is as a percentage fee, it does fluctuate with the market. So it does work in your benefit where the market is higher. It means that our fee is gonna be slightly higher. However, when the market takes a bit of a dip, it means that our fee takes a bit of a dip there with it as well. Yeah. So, essentially, what I'll get you to do is have a look through those documents there.","start_word":6691,"end_word":6874,"sentiment":"neutral","sentiment_score":0.04038636386394501},{"text":"If you are happy with everything, we'll get you to sign and return that back there for us, and that allows us to continue looking after everything for the next twelve months.","start_word":6875,"end_word":6906,"sentiment":"positive","sentiment_score":0.5824535489082336},{"text":"I'll go back and review your portfolio, look at how it has performed, all the costs involved, make a recommendation on switching out that then along. I'll look at the other investments as well and see if there's anything else that flags we might need to move or if there's a better performing portfolio that, you know, could provide greater benefit moving forward, and I'll update the advice for you to reflect the recommendations, the cost involved, advantages, disadvantages, or risks for you to consider. Does that make all sense? Do you have any questions there, Dustin? Sorry. I go through quite a lot. No. You're alright. I'm just trying to sign this thing, but it's pretty hard to do on your phone. Yeah. That's okay. It doesn't. Why is it don't ring on crazy. Is it just spinning like a wheel of Yeah. death? It's moving with the fan. Why is it done? Oh god. How is this? I'll just do it with the order. Order will do. Yeah. That'll be fine. Alright. No sign on. Legend.","start_word":6907,"end_word":7084,"sentiment":"neutral","sentiment_score":0.06640677154064178},{"text":"Thank Hang you for on. that. All good.","start_word":7085,"end_word":7092,"sentiment":"positive","sentiment_score":0.4145494997501374},{"text":"Now I just wanted to update all of your circumstances here. Just checking to see what may have changed in your life.","start_word":7093,"end_word":7114,"sentiment":"neutral","sentiment_score":0.16498816013336182},{"text":"I've updated your mortgage, which is fantastic.","start_word":7115,"end_word":7121,"sentiment":"positive","sentiment_score":0.4899720549583435},{"text":"Other assets I had, you've got a boat. Do you still have that Yep. boat? Yeah. Still what about it. Still sits there though. Yeah. Love Yeah.","start_word":7122,"end_word":7148,"sentiment":"neutral","sentiment_score":0.06956685334444046},{"text":"it's all good.","start_word":7149,"end_word":7151,"sentiment":"positive","sentiment_score":0.3438519835472107},{"text":"I've got a value of 25,000 on that one. Would you still value it the same or Yeah. It's still, yeah, it's still be around the $25. yes.","start_word":7152,"end_word":7179,"sentiment":"neutral","sentiment_score":0.06325456500053406},{"text":"Beautiful.","start_word":7180,"end_word":7180,"sentiment":"positive","sentiment_score":0.3534567952156067},{"text":"Yeah. I've got your car down with a value of 45,000. Would that be fairly accurate? The yeah. It's probably down about 35 maybe now. 40, Yep. somewhere. Perfect. Yeah. Absolutely fine. Let's leave it at 40.","start_word":7181,"end_word":7217,"sentiment":"neutral","sentiment_score":0.05803482234477997},{"text":"Beautiful.","start_word":7218,"end_word":7218,"sentiment":"positive","sentiment_score":0.4093465805053711},{"text":"I've got down your asset value about 15,000. Yeah. I've got a different unit now, but, yeah, about the same cost. Okay.","start_word":7219,"end_word":7240,"sentiment":"neutral","sentiment_score":-0.03897794708609581},{"text":"Beautiful.","start_word":7241,"end_word":7241,"sentiment":"positive","sentiment_score":0.636163592338562},{"text":"And we have here about 80,000 in savings that you are planning to use towards some renovations. Yeah. Is That's that that's up to about 93. That's okay.","start_word":7242,"end_word":7269,"sentiment":"neutral","sentiment_score":0.2251257002353668},{"text":"up Beautiful.","start_word":7270,"end_word":7271,"sentiment":"positive","sentiment_score":0.4202269911766052},{"text":"to that. And Yeah. that's from the offset account? Yeah.","start_word":7272,"end_word":7281,"sentiment":"neutral","sentiment_score":0.15089580416679382},{"text":"Perfect. Beautiful.","start_word":7282,"end_word":7283,"sentiment":"positive","sentiment_score":0.5332567691802979},{"text":"And then I've got here some solar, which you had about 18,000 of debt on. Have you paid down the solar? Yeah. That should be coming down every couple of grand every year for the next five years. So Okay.","start_word":7284,"end_word":7323,"sentiment":"neutral","sentiment_score":0.1374029666185379},{"text":"that should Perfect.","start_word":7324,"end_word":7326,"sentiment":"positive","sentiment_score":0.3888583779335022},{"text":"be down in the 12 or something by now, surely. Yeah.","start_word":7327,"end_word":7337,"sentiment":"neutral","sentiment_score":0.21637491881847384},{"text":"Absolutely. We'll knock that down for you. Fantastic.","start_word":7338,"end_word":7345,"sentiment":"positive","sentiment_score":0.4414313435554504},{"text":"Any other assets or shares or cryptocurrency or anything else that you might have there at the moment we should probably note down? No. That's that's it, really. I I did join That's okay. BMX. I was gonna start trading, but I don't really know what I'm doing. So I'm gonna just leave it for now. Yeah. That's okay. Look, honestly, as advisers, we do also do not just super insurances, but we do build investment portfolios so you can build wealth outside of super if that's one of your goals as well. So if you do wanna sort of have that conversation, talk more about what else we can do, or look at building wealth outside of Super, let us know.","start_word":7346,"end_word":7467,"sentiment":"neutral","sentiment_score":0.11537068337202072},{"text":"We can definitely help you along with that as well.","start_word":7468,"end_word":7477,"sentiment":"positive","sentiment_score":0.3510540723800659},{"text":"Okay? Yeah.","start_word":7478,"end_word":7479,"sentiment":"neutral","sentiment_score":0.1627684086561203},{"text":"I thought cool. Awesome. Fantastic.","start_word":7480,"end_word":7484,"sentiment":"positive","sentiment_score":0.47205281257629395},{"text":"I did have a look at your beneficiary nominations as well, and I just wanted to clarify. So I've got Kristen down as a yeah. As a beneficiary on both your life insurance and your super, but her name is different on both of them. Her surname is different on each. Yeah. What So surname it's good. does she give Me now. We us? got married last year. So Okay. So yep. it's So her the same surname the life is mine. okay. So her life insurance is under the maiden name, and her ID is all in your married name? Yeah. Sorry. Can we have it all as just my surname Absolutely. Yeah. Absolutely. Because we will need to update that one. So what I'll do is I'll get a new beneficiary set up for the life insurance with MetLife. I'll get that are you happy for us to prefill that with her now? information? Yeah. Yeah. Yeah. Changed the Yep. last their name and yeah. I'll stay in the for about Fantastic.","start_word":7485,"end_word":7658,"sentiment":"neutral","sentiment_score":0.10192358363205674},{"text":"a week today.","start_word":7659,"end_word":7661,"sentiment":"positive","sentiment_score":0.4088000357151031},{"text":"That's okay.","start_word":7662,"end_word":7663,"sentiment":"neutral","sentiment_score":0.27660828828811646},{"text":"My main concern is if something did happen and she was then gone claim, not having the correct name as her ID causes a bit of an issue and can make the claim a lot harder.","start_word":7664,"end_word":7699,"sentiment":"negative","sentiment_score":-0.334357887506485},{"text":"So it's all best to have No. it updated now or to reflect. That way, if in the event something happens, it's all sorted. I also kind of like to point out as well just letting her know that you do have life insurance and super and that if she ever did need to make a claim on those, just to call us and we would help facilitate the claim for her. So I have just had it in the past where clients have not made mention of an adviser, they passed away, and, yeah, a few months later, someone calls up and goes, hey. Who are you? What do you do? And we have to explain what we do, how things work, and we help them do the claim, you Yeah. know, Okay. several I she months does down not the allow track. you guys. She probably reached out Yeah. quickly. Yeah. No. That's okay.","start_word":7700,"end_word":7855,"sentiment":"neutral","sentiment_score":0.08504482358694077},{"text":"Fantastic.","start_word":7856,"end_word":7856,"sentiment":"positive","sentiment_score":0.41600966453552246},{"text":"And, look, honestly, we hope nothing happens. I want you to get to retirement. You know, once your kids grow up and get old and go through life perfectly fine, and we just always have to make sure these little things are all in place to protect you in the event that something happens. Yeah. Yes. Definitely.","start_word":7857,"end_word":7913,"sentiment":"neutral","sentiment_score":0.15494856238365173},{"text":"Excellent.","start_word":7914,"end_word":7914,"sentiment":"positive","sentiment_score":0.4504011869430542},{"text":"On your super, your beneficiary nomination is set up as a binding lapsing nomination. That essentially means that we you'll need to resign that dot that nomination form every three years. You have other options for beneficiary nominations. One of them is a non lapsing binding, which means you fill the nomination out now and you never have to fill it out again. It stays in place. Are you happy with your super nomination refilling the document out every three years, or did you want me to update that so you do it once and No. never Let's have let's just signed leave it again? it every three years just in case something Yep. happens. But, Yep. yeah, we'll leave it out for now. Yep. Absolutely fine. Not a problem at all. With your super life insurance, did you want me to I'll double check whether MetLife allows for non lapsing binding or just lapsing binding. But if they have the option between two, do you want it to be the same as your super so it just gets updated every three years? Yeah. We'll do that. Yep. Yep. Okay. Yeah. Take No it worries. off at the same time. Same thing. Yep. That's that's fine. Not a problem at all.","start_word":7915,"end_word":8125,"sentiment":"neutral","sentiment_score":0.11948776884242822},{"text":"We'll get that sorted for you and resent out.","start_word":8126,"end_word":8134,"sentiment":"positive","sentiment_score":0.3578735291957855},{"text":"Is emailing or posting that beneficiary nomination to be signed gonna be easier for you? Pardon? Pardon? Say that again. Sorry. That's okay. Did you wanna email or post that nomination to you? Email it to us, and then, yeah, I can do it Email. all online then. Yeah. Yep.","start_word":8135,"end_word":8184,"sentiment":"neutral","sentiment_score":0.09199956059455872},{"text":"You Perfect. should have that All done good.","start_word":8185,"end_word":8192,"sentiment":"positive","sentiment_score":0.4151246249675751},{"text":"being through to now. Just did it. I assigned request Yep. with this one.","start_word":8193,"end_word":8206,"sentiment":"neutral","sentiment_score":0.138663187623024},{"text":"Oh, beautiful. Thank you so much for that.","start_word":8207,"end_word":8214,"sentiment":"positive","sentiment_score":0.6038721203804016},{"text":"Yep. The other thing I have down here is that you guys didn't have a will and power of attorney, Daf. Have you spoken about seeking the services Oh, of, we're going like, to a do lawyer? a wheel. Yeah. I we just got lost in the whole processing, and we just want to have Yes. them simple and easy to Yep. to do, That's to be honest. okay. There is all of the states do have local trustees, which you can do will kits very, very simply. If you did you want me to do up an email? I have some information on the, like, the local government trust fees that can help you to do a very simple will. They do them over the phone via email or just in the local Yeah. government Can you office. do that for Did you us, want please? me to find yeah. I'll find that information to email through to you.","start_word":8215,"end_word":8374,"sentiment":"neutral","sentiment_score":0.04523748178035021},{"text":"Sometimes that can just make things a lot simpler and easier.","start_word":8375,"end_word":8385,"sentiment":"positive","sentiment_score":0.3420744836330414},{"text":"Yeah. That that is one thing we've they've been in been in to. Okay. Yeah. No. That's okay. Not an issue at all. And so just with your super, you're obviously in that high growth environment. It does suit someone who's not accessing super for the next sort of know, eight to ten years. You've got a lot longer than that ahead of you. Are you happy to stay in that high growth environment, or did you wanna reassess your risk level with the super asset That's allocation? the someone last year, but it's still you can go even higher risk, But they said maybe just leave it as is for now. So Yeah. Yeah. I think I'll one say of the higher difference risk. yeah. So the the high growth and the aggressive I mean, to go up from where you are aggressive, you're a 100% invested in equities and growth investments. So the benefit to having a high growth portfolio is you do have some defensive investments because there are times when equities see a lot of volatility, and this is probably a really good example of that with the war between The US and Iran. And so having defensive investments often provides some downside protection for when those equities are fluctuating pretty heavily. So that high growth environment has that ninety, ten split, whereas if you took on a big risk and moves more aggressive, you're a 100% in equities with essentially no defensive investment as a bit of a backup.","start_word":8386,"end_word":8639,"sentiment":"neutral","sentiment_score":0.08225788176059723},{"text":"So Yes. high growth is absolutely fine.","start_word":8640,"end_word":8646,"sentiment":"positive","sentiment_score":0.49476221203804016},{"text":"It's not in any way, shape, or form bad.","start_word":8647,"end_word":8655,"sentiment":"neutral","sentiment_score":0.2776201665401459},{"text":"It's honestly suited to your time horizon.","start_word":8656,"end_word":8662,"sentiment":"positive","sentiment_score":0.5213064551353455},{"text":"If you wanted to go a bit more aggressive, you could, But having some defensive investments does give you some long term downside protection as well. Yep. No. I'll leave it as is for now for the time being. Yep.","start_word":8663,"end_word":8702,"sentiment":"neutral","sentiment_score":0.014852997846901417},{"text":"That's absolutely fine. Beautiful.","start_word":8703,"end_word":8706,"sentiment":"positive","sentiment_score":0.5233724117279053},{"text":"The only other thing to check here, I've got income. Your income last year was about 160,000. Have you had a pay rise since then? Or A little bit more overtime. I got cleared to 10 or something this year.","start_word":8707,"end_word":8746,"sentiment":"neutral","sentiment_score":0.0228397436439991},{"text":"fantastic. Excellent.","start_word":8747,"end_word":8748,"sentiment":"positive","sentiment_score":0.42716896533966064},{"text":"And you're still salary sacrificing about 5% of your wage? Yeah. Five and a half percent, I think it was, or 5%. Yeah. Yep.","start_word":8749,"end_word":8772,"sentiment":"neutral","sentiment_score":0.04530911147594452},{"text":"Beautiful. Excellent. Still happy to continue with that. That's definitely helping long term.","start_word":8773,"end_word":8785,"sentiment":"positive","sentiment_score":0.6930108666419983},{"text":"Yeah. Yeah. Leave it as is. Yep.","start_word":8786,"end_word":8792,"sentiment":"neutral","sentiment_score":0.1488593816757202},{"text":"Beautiful.","start_word":8793,"end_word":8793,"sentiment":"positive","sentiment_score":0.4003007113933563},{"text":"And are you finding that you're still saving a bit? We had down here that you had about two or averaged about $200 per week savings last year. Are you still finding that you're saving that fairly fairly Yeah. well with income? Look. But I make good pays. I you know, I put $500,000 away. Yeah. Yeah. Sort of monthly. So, Beautiful. yeah, still safe. Yes. Just a bit of stuff issue, holidays, marriage, all that Yep. crap. All the expenses stuff. Yeah. Yeah. No. Fantastic. And long term goals, we're working towards, hopefully, retiring at the age of 60 on about $1,500 per week. Is that still your goal for that Yes. long term Yes. for So the that horizon? the mortgage paid off and that's why there's and, yeah, Yep. what part that's got overall You. super, so it might be a bit different. Yeah. That's okay. Well, when we get closer to that, one of the things I do sort of like if she's comfortable with that down the track, when you get into sort of the fifties and we're sort of looking at the time that we can look at both of them for you and sort of see how things should be structured, how the drawdown looks, and what the longevity of looks like. But that's kind of for you a long time down the track. We'll sort of focus on trying to build that as much as as we can over the next five to ten years and keep doing that as we get further and closer and closer to retirement. Okay? Yeah. Yeah. What is with the Superb, what where am I allowed to take it? So the earliest you can is 60 currently. As long as you fully retire, if you keep working past 60 at 65, they will just allow you to access your super regardless of whether you're working or not. Yeah. Okay. No worries. Yeah. Are Oh, okay. you want are you wanting to sort of look at trying to retire earlier than that, or you think Oh, 60 yeah. would That'd be be the a bit age? better. It'd be good to retire in this year. Yes. Yep.","start_word":8794,"end_word":9163,"sentiment":"neutral","sentiment_score":0.0977279408557995},{"text":"And, look, you absolutely can.","start_word":9164,"end_word":9168,"sentiment":"positive","sentiment_score":0.4338814616203308},{"text":"It's just about looking at ways to build wealth outside of Super, whether that be, you know, buying investment property and kind of build that up and sell it off or whether you invest Year. in a investment portfolio outside of Super. You absolutely can look to retire earlier, but we just have to find ways to supplement the wealth and the income between 50 to 60. Yeah. Yeah. Well, Yeah. that's not talk to my partner about. Absolutely. Yeah. And I just if that's something you wanna do, let us know.","start_word":9169,"end_word":9260,"sentiment":"neutral","sentiment_score":0.16190536320209503},{"text":"We can definitely help you out and talk to you and provide additional advice in those areas.","start_word":9261,"end_word":9277,"sentiment":"positive","sentiment_score":0.37164852023124695},{"text":"So, yeah, just have a chat about what your joint goals are. Absolutely. Yeah. The only other thing I had here was that you guys were looking to save up for a new kitchen. Has that kitchen been installed, or is that still on the list? You're a long list. Yeah. No. Yeah.","start_word":9278,"end_word":9330,"sentiment":"neutral","sentiment_score":0.04411832615733147},{"text":"All I honestly don't wanna spend it because the money I spend at the offset, the more I end up paying back on the mortgage.","start_word":9331,"end_word":9355,"sentiment":"negative","sentiment_score":-0.36707085371017456},{"text":"So absolutely. And interest rates are going up again at the moment, so we wanna limit that as much as possible. Yeah. Absolutely. No. All good. Essentially, from here, I'll just go back and do some research there for you. Well, I've got you I'll book you in now for the next two weeks so we can go through that advice document together. I know you may be back at work in that two week period. When normally, when would be the best time to sort of go through things with you and have that chat? Think I'm still off for two weeks today. So if we can get Okay. it some like, probably the Monday or Tuesday in in a fortnight or Good. Wednesday. Absolutely. Yep. Yeah. So I have availability Monday the twentieth for you if you like. Yeah. I can do 5PM if that's okay. Yeah. That's that's pretty late enough. I'll I'll still be at Perfect. Yep.","start_word":9356,"end_word":9516,"sentiment":"neutral","sentiment_score":0.047971322345807685},{"text":"Perfect. I'll book home. that one in there for you.","start_word":9517,"end_word":9526,"sentiment":"positive","sentiment_score":0.3719842731952667},{"text":"I'll add a little text message reminder because it is about two weeks away. Sorry. The message will come out to let you know that you had we had you booked in for your advice presentation, and I'll give you a call at 5PM. We'll run through that. It won't take very long, and then you'll get to go back and have a really good read at the document. Okay?","start_word":9527,"end_word":9596,"sentiment":"neutral","sentiment_score":0.12467610836029051},{"text":"Awesome. Thank you.","start_word":9597,"end_word":9599,"sentiment":"positive","sentiment_score":0.5178626775741577},{"text":"That's okay. Not a problem. I will let you go. That's basically everything to go through and update there for you. I know I've gone through a fair bit and jumped around. Is there any additional questions that may have come out or anything else that I might not have touched on? No. That's it. I think the biggest one was just moving out of the whatever it was that funds Been penalized. along? Yeah. Yep. Yep. K. So Absolutely. instead of that one. Yeah. No. Absolutely. Let's get you out of that and get your portfolio continuous working and compounding. We wanna get you the best possible retirement possible. Because, I mean, Yeah. you've got a lot of working life ahead of you, but you also spend, you know, anywhere from twenty, thirty, or forty years in retirement. That's a long time to be retired. The money Car. needs to last as long as possible for you.","start_word":9600,"end_word":9757,"sentiment":"neutral","sentiment_score":-0.01132905762642622},{"text":"So Definitely. all good, Justin. Look. Thank you so much for your time. It was honestly an absolute pleasure to chat to you today. I hope you have a really good week.","start_word":9758,"end_word":9789,"sentiment":"positive","sentiment_score":0.7790218591690063},{"text":"The kids are all on school holidays with you. Or Yeah. They're all at push and yeah. Yeah. About yes. a dozen. So at home by myself at the moment. Oh, look.","start_word":9790,"end_word":9821,"sentiment":"neutral","sentiment_score":0.11543290317058565},{"text":"That's not a bad thing. Enjoy that time. You do. Oh, good, Dustin.","start_word":9822,"end_word":9834,"sentiment":"positive","sentiment_score":0.4672744572162628},{"text":"Well, I'll talk to you on the twentieth. I'll do the ring test in the meantime.","start_word":9835,"end_word":9850,"sentiment":"neutral","sentiment_score":0.19306638836860657},{"text":"You have a lovely week, and I hope you have a good recovery. And I'll talk to you soon. Thank you very much. Okay. Bye. Have a good day. See you later.","start_word":9851,"end_word":9882,"sentiment":"positive","sentiment_score":0.5745288729667664},{"text":"Bye.","start_word":9883,"end_word":9883,"sentiment":"neutral","sentiment_score":0.17323541641235352}],"average":{"sentiment":"neutral","sentiment_score":0.035699945525952306}}}}