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Oh, fantastic. Before I jump into the call, I just need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And still quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file. Yep. Yep. Beautiful. Thank you so much for that. Are you working today there, Pete, or got today off? Oh, wow. Well, hopefully, you're gonna have a good day. No time not to take up too much of your time there. I know sent through your annual review documents. Could you ask for the starting work today as well? Do you you probably don't have access to your emails, or are you able to log in to those real quick? Or if he yeah. If he can't, that's okay. I can run through things for you. It's not a problem. Yeah. That's okay. I've just sent you an email just to those annual review documents attached to make it easier for you. The email comes through from o d u sign. Yeah. That's the one. Beautiful. Have you had any coffee for the morning at least? That's good. Now when you I yeah. So the first when you go through the sign documents section, that's essentially your your ongoing service agreement for the next twelve months there. So your with your essentially, l to give you a bit of a rundown there, our ongoing service fees have not changed over the last couple of years, but technically not really changing now. We've just set up a more of a tiered structure. So our ongoing service agreement stays at 1.65% until your balance reaches 200,000, and then it drops down to 1.375%. When your balance is 500,000, it drops down again. So, essentially, what we wanted to do was to kinda update the the structure. So as your balance increased towards your retirement goals, that the ongoing service agreement percentage drops a little bit with so you end up in a different tier. Your balance is still under that $200,000 mark, so you are still on that 1.65%. On the ongoing service agreement you've got there, on the first page, you'll see it's actually got a dollar figure there. So we've decided from here on out, we're actually gonna work out what the the fee is as a dollar figure and disclose that to you and have that as in the hub 24. So unlike previous years where it was a percentage based fee that would go up and down with the market, it kind of we would give you an idea of what you were expected to pay us for the year. However, this gives you more certainty. Do you know it will be 3,331 and 7¢, and it's it will not go up above that in any way, shape, or form. Does that make sense? Yeah. We just wanted to make sure that the fee was a little bit more disclosed, a little bit more open, and so having a set dollar figure essentially means that we've worked out in advance what you're expected to pay based on the percentage you're in, but it means that if you get a 20% return, your fee is not gonna go up to encompass that return. It's solely just based on your balance. And inside that balance, we account for 5% growth in the fund there. So it's just kinda giving you more clarity and certainty around what our ongoing service fee is for the year, knowing that it won't go over that amount. Does that make sense? Yeah. Do you have any questions? You're welcome to let me know if you do. No. Perfect. So once you're sort of happy with that, we'll get you signed and return it back so we can have it applied to your account there. On this front of the email, if you were to scroll back out, if you can't, that's honestly okay. We do have a couple of attachments there for you with your updated balances and the portfolio performance of the year. Are you able to just scroll back to go back for me to the front of that email? Or if you can't, that's okay. You're still loading? If if you want, I can just give you a run through on your balance and the performance. You're welcome to definitely have a bit more of a look at those again later if you need to. Yep. And it should be coming back to me. It's come straight back to me. Yeah. Fabulous. So, yeah, when you get back into the email first, that if you look at the very bottom of the email, there'll be a couple of attachments. Yeah. That sounds about right. One of those should say summary of state grant tuition and insurances. Can you see that one there? Summary of state grant insurances? Yeah. That's the one. Is that opening up for you? Yeah. Yeah. No. You're not far under. So your super balance as of the August 7, you're sitting a $192,095.47 there. So you are very close to that $200,000 mark. Not far off it. With a bit of additional growth this year and seeing what we can do with the portfolio, we should be able to push you up a little bit higher there. And looking at your balance from the August 7 on with you those documents, we're looking at your super fund now, you're sitting at 193,000, so you've had a bit of additional growth in that time frame as well. Okay. Yeah. Perfect. Yeah. When I look at your portfolio as a whole and I break down the individual investments, most things are working really well, and we have seen a lot of ups and downs. You probably heard a lot of what's happening in the news this year with The US and Iran war, But also here in Australia, we've had a lot of high inflation as well, and that's also had an effect on the market because inflation does have an effect on defensive assets like cash and bonds and fixed interest. When I look at your portfolio last year, your balance was sitting at a $169,003.37. So to be up to that 193,000 now is really good. And it shows that after fees so after all fees in your super fund, your super fund has come out with a return of 7.40%. That essentially shows as a dollar figure, the income plus the growth in your super fund has made $15,863.71. So you've done really well. Yeah. You've come out on top there. One of the other things that I do look at is the sort of portfolio you're in and what that portfolio should be able to obtain. So because you're in a growth portfolio, and that generally sees about 80% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and gold and silver, so precious metals as well. In this sort of growth environment, you still hold about 20% low risk defensive investment, so things like cash, bonds, and fixed interest. This sort of a portfolio should be able to obtain around about seven to 9% on a yearly basis as an average. So you've actually come in that middle range there at 7.40 as a net return, which is actually really good. You're in that range of where we wanna be in a growth environment. Anything over that 9% major portfolio is over performing, and anything under that 7% major portfolio sort of underperformed for the year. We do know that whilst we're aiming for that seven to 9%, some years you'll get a 20% return. Other years, you might only get a two or 3% return. It also depends upon what is happening within those markets. But when you're invested in that growth environment, that kind of portfolio suits someone who generally has about six years before they're wanting to access that to you at this stage. Looking at your circumstances, now you're 57 years. Is that right? Yeah. Do you know what age you're kinda hoping you'd like to be able to retire and start drawing an income out of suit, or what was what kind of your thoughts at the moment on that? So I've actually got some good news for you here, morning. At the moment, under the current legislation, you can actually fully retire and access your Safe Far Holy tax free at the age of 60. If you work longer than 60, at 65, they'll make it fully accessible regardless of whether you're working or not. And age 67 is when you're able to access the age pension through the through Centrelink or through Services Australia if you're eligible to do so. But, realistically, you could retire anywhere from the age of 60. It more just comes down to what your balance is expected to be, what you need to live on on a weekly basis to survive and for expenses and how long your sleep is going to last. So, realistically, the longer you're able to work, the more we can build on super. If you are wanting to kind of look at retiring earlier, I would wanna start maybe reducing your risk level a little bit, but also considering extra contributions in to provide that boost to make sure you get that longevity. But if you feel like you're comfortable working to 67, that's absolutely fine. What's the thoughts on that, and do you have any extra questions? Yeah. Yep. Yep. That's okay. Yeah. No. That's okay. When I look at the underlying investments, you've been in this portfolio for a little bit, and most things are working really, really well. But I can see a couple of areas I would like to maybe look at updating. So you do have a portfolio that came into play about a year or two ago. You've got one of your underlying investments in there. You've been along Australian Equities. Australian Equities are actually performing quite well with that one investment is sort of underperforming a little bit at the moment. So I would like to maybe go back if you're comfortable with it, reassess your portfolio, look at your goals, and maybe look at where we expect to be at age six and 65 and 67 for you. Does that sound okay? Yeah. Beautiful. I'll update the portfolio. Find you something that might be a little bit you know, provide me a bit more diversification. I can look at maybe a portfolio that might be cheaper. You know, paying less than investment fees is never a bad thing. And then sort of see where that's tracking and see if I can find something better performing for you to give you a little bit more of a boost towards your retirement goals. Does that sound alright with you? Yep. Beautiful. Excellent. It'll also give you an idea of what we're tracking for when we look at age 60, 65, and 67 to give you a bit of clarity on what you might wanna look at when you might wanna stop work or what you're after. Excellent. When you do retire, do you know what kind of income you're going to need to draw down or going to want to live off on a weekly basis? Have you thought about that thus far? No. That's okay. Yeah. Yep. Is that fairly comfortable at the moment? Yep. Yeah. And because you still have a mortgage at the moment, don't you? You've well, we had then you owed about a 110,000 on your main primary residence. Do you still owe have a loan on that one? Yes. Yep. Beautiful. Are you sort of hoping to have that paid off by the time you hit retirement, or do you think you might still have that loan in those years just for a little bit? Yep. Because, realistically, like, if you do have that mortgage completely paid off by that point in time, that $800 would certainly provide greater living. It would it would last longer. You wouldn't have that mortgage payment to pay back as well. But if you still have that, do you want me just to project forward on $800 a week to see what that looks like for the time being, or would you like me just to create a bit of a buffer and increase the weekly living to, say, $85,900 to give you a bit more wiggle room? What would you like me to project forward for you? Nine 100 a week? Yep. Absolutely. That sort of factors in in case you still have that mortgage and retirement. Absolutely. Excellent. And I've got down here that you're in a respecter relationship. Is that still correct? Yep. Beautiful. And does does your partner work? Does she or, like, is the income coming in going to your expenditure? Yep. Okay. So yeah. Do do you kinda keep everything separate bill wise and expenses wise? No. That's okay. Together. And is she younger than you, older than you, would she willing to retire at the same time as you, do you think? Or would that money still or would her income still be coming into the household? Yep. Beautiful. Let's see. Retires. Beautiful. And if you think about her income, because if once you retire, if she's still working and that income is all going into your family and being used, it might sort of help you a little bit as well with covering the cost of more than making your drawdown, you know, go a bit further. Do you know what her income is coming in on a regular basis, like a weekly basis at the moment? Or no. It's up. Right. Yes. Yep. Okay. So it's sort of when she can work, doesn't work all the time, more casual. Yes. That's okay. I'll sort of focus things around your super and your super only, stoking out any additional expenditures. So we'll just look at what what we're projected to just move forward with your super, what the drawdowns look like. I can easily because age 67 is only just that ten years away at this point, I can factor in just a limited scope of Centrelink for you, just showing you, you know, at 67 based on your assets now, you'll be whether you're eligible for Centrelink and how that can help product provide a little bit of longevity to your statement. Does that sound okay? Beautiful. Excellent. Now the other thing to sort of look at is the risk level with regard to your super. So what I'm projecting for is sort of age 60, 65, and 67, but because you are in that kind of growth environment, if you were to say because real estate is 60 is only about three years away for you, if we saw a large market dip by, say, 20% due to what was happening in the world globally over the next one to three years, how do you think you might be feeling about that? Are you feeling like you're happy to work longer to wait for your super to recover? Are you wanting to put more money in and take advantage of the dip, or are you feeling a bit anxious and probably, you know, a bit concerned about your super having that kind of a dip? How might you feel? Yep. Yep. So you'd be happy to work a little bit longer if you needed to? Yep. Yep. That's okay. Sorry. I asked all the hard questions that you probably never thought of to answer. When you think of the risk level you're taking, as I kinda mentioned with that growth environment, you see about 80 in those high risk assets like shares, commodities like gold and silver, and property. When you think of the risk level, if you consider risk out of a number between one and five, you're sitting about a three. So you're not quite at the highest level of risk and not really at the lowest level of risk. Do you sort of consider yourself to be in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can out of your paper, or do you consider yourself to be more a higher or lower risk taker? Where do you sort of see yourself? A little yep. Yep. That's okay. And the last one here is have you ever seen your super fall in value? If you did moving forward, how does that make you feel? I mean, not ever like to see that the market is we don't like to see negative figures, but if you did over the next couple of years see your super falling value a little bit, are you feeling optimistic about the investment opportunities, maybe thinking about putting some extra money in? Are you a bit cautious because you're closer to accessing your super? Are you concerned or feeling very anxious about dips in the market? Where might you think you might feel? Yep. Absolutely. Lovely. And have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you generally not consider doing something like that you've only ever wanted to borrow for safe property or your main primary residence? Yep. That's okay. And you've got your main primary residence there, so I'll pop that one in. Beautiful. So you scored in that growth environment there, which is where we have you at the moment. The main sort of thing that I would be looking at is the time horizon. So are you more likely to say work to 65 at the very earliest, or do you what's the likelihood that you might wanna stop working at 60? Yes. Beautiful. Excellent. Just because with that, when we're looking at that sort of thing with that growth environment, I wanna make sure that you do have a generally, that's six years ahead of you before you're wanting to access that money. If you had a lesser time horizon with the ups and downs we have seen this year, I might be a bit more cautious around trying to sort of talk about reducing this level. But I'm happy to sort of keep you there for the next twelve months. I would wanna just review things in twelve months time with you. But in the meantime, I'll go back and have a look at your state for your portfolio and see if I can, you know, work on the investments a little bit, get things working a bit harder for you as well, and see if I can reduce some of your fees within your super fund. How does that sound? That sounds good. Excellent. Just to update a few additional circumstances for you here, your income last year was about 75,000. Are you earning about the same amount at the moment, Pete? Yes. Beautiful. Are you wanting to look at maybe salary sacrificing or putting more money into super, or are you finding it's not really preferable right now? Nope. That's okay. Excellent. And are you managing to put much away in the way of savings out of your funds on a weekly basis, or is everything going towards your expenses? Everything's gone towards expenses. All good. Okay. No saving. Your main primary residence, we had an asset value on that last time of around 330,000. Do you know what that value might be to you now? What's the value you put on your home currently? Oh, fantastic. And what would the mortgage be down to currently, do you think? Okay. $101.06 0. Sorry. Is that right? 160,000? Okay. And then I've got your car, your h x one tonner. You valued that last year at about 45,000. Would you still keep it about the same value? Yep. And you own a vehicle outright? Yep. Beautiful. Other assets I try to note down are things like content. I know it looks a bit funny, but content is still technically an asset. If you tip your house upside down and everything fell out, if you had to replace all those items, it could cost quite a bit. Do you have content insurance on your property? Yeah. What do you have your contents valued at on your insurance policy? 35? Yep. Beautiful. And do you have any other shares or collections or tools of trade or cars, boats, or caravans you put value on? Nope. That's okay. The other thing to look at is now I believe a couple of years back, we had it noted that you had a Sunsuper account, and that also has some insurances in it. Are you aware if you still have that Sunsuper account? You do? Because I can see your there are contributions coming into Hub twenty four as well. So I just wanna make sure that we do that you do still have that account, what the insurances look like for you. Back when we last spoke to your insurance level within that sunsuit, it was about 83,000 of life and TBD. I would need to do some research to find out what the insurance levels are now. But when you think about insurances versus your super because they are paid out of your super, is keeping those insurances still important to you until you kinda hit those retirement years, or what's the thoughts around your insurance aspect at the moment? Mhmm. Mhmm. Yeah. That makes sense. Yeah. Yep. Okay. Yeah. I yeah. Are you able to not in right now. I can sort of follow-up on a bit later if you're able to. Just obtain a bit of a statement for us there just so we can double check the balance you have in the account. We can check the investments, make sure everything's working harder for you, and check the insurance levels as well to make sure you're holding those covers a little bit longer. Yep. Beautiful. I'll get my admin team member to sort of follow-up on that with you if that's okay. Yep. We're trying to trust. Yeah. Yeah. All these super funds are getting bought out by each other. For AARP fund. Yeah. No. That's okay. I'll get my call my admin team member, Michelle, to sorry. Samantha to follow-up on that for you just to obtain that. You had life and TBD in there. Do you understand what life and TBD are, how they work, and what they pay out, essentially? No. That's essentially? No. That's okay. So to give you just a quick rundown, life cover pays out a lump sum benefit to your beneficiaries if you were to pass away. I'll obviously just go back and double check the level of cover that do have. But based on, say, 83,000 of life cover, and if you were to then pass away, your super balance is also paid at your beneficiary. So am I right in assuming your beneficiary should be your partner? Is that right? I've got Renee. Yep. Beautiful. Yep. Beautiful. I never like to assume, but just like to double check to make sure that's what your wishes are. But if we sort of have a look at that, so based on a life cover of 83,000 plus a 192,095 of super paid out there for you, $0.09 5, it essentially means that she could get a lump sum benefit of 275,095 that could pay out the mortgage owing a 160,000 and then still leave her with some additional income or additional funds to sorta help around about a 115,000, give or take, to help look after the kids and, you know, move forward a little bit. Do you feel like that's sufficient? Yep. Yep. Yep. That's okay. The same thing with TPD. So TPD or total permanent disability pays out either a lump sum disability benefit or an income stream if in the event that you were unable to ever go back to work again due to permanent disability. And, essentially, the benefit amount you're covered for is the same as life because we can also claim on your super. So you can have the CBD benefit paid out as well as your super. So, again, it gives you about 275,000 there. The one thing I do like to bring up, because not many people are aware that if you claim CBD and you're under the age of 60, unfortunately, the government does deduct tax on that amount. It's up to 22%. So on, say, 275,000, 22% tax could be $60. That essentially means that the benefit could roughly be at the highest tax rate about 215,000, which realistically would still pay off the mortgage, leaving you debt free, and then you could have roughly about 55,000 left over. It's not a huge amount. And, obviously, the older you get, the the more expensive insurances do become, which is partly why we would have kept that funds through the insurances in place. But, yeah, it's brought us about what's important to you, whether that level of cover is sufficient or whether you think you might need more cover, and we go out there and try to find that for you. What is how do you feel about that at the moment? No. Definitely not. Definitely not. That's okay. The other side of that is that because you are only three years away from 60, so long as you didn't need to claim on TBD after 60, the TBD benefit is fully tax free. There's no tax paid on TBD when you claim after the age of 60. So there is that benefit and option. I mean, the biggest thing with insurance is is looking at making sure you've got the level of cover that suits your goal. But, also, when it is paid out of super, it also affects how much you end up within retirement because you the premiums are coming out of your super fund. So it's kind of a juggling act. I will try to get the we'll get the statement. And then if you want, I can come back and have a secondary conversation with you about what the insurance levels are, what that looks like, and what you need. Does that sound alright? Yep. Yep. Beautiful. You don't have any kind of income protection or trauma benefits. The income protection, if you did have it, essentially covers or pays out a a monthly benefit if you're awkward due to illness or injury. Do you have much in the way of sick leave, annual leave, long service leave that you might be able to use if you were unable to go to work in the short term? Yeah. Beautiful. So income protection wouldn't be a problem. You if you weren't working, you've got plenty of things to fall back on to cover your income? Yeah. Beautiful. Excellent. Now the other type of personal insurance that we can obtain if you wanted to is trauma. Trauma tends to pay out like a lump sum tax free benefit if you say have a heart attack, a stroke. Cancer's probably a big one. Parkinson's, other neurological conditions, they're major traumatic events. Did you wanna look at maybe getting some sort of trauma cover, or you're happy just with the the level of cover you have in some place at the moment, keeping the insurance cost low. What's your thought? Yep. Beautiful. Excellent. So what I'll do is once we do get a a statement from you, I'll just make a time to come back and have a quick conversation around the insurance levels that you've got. We can talk about what your goals are with insurance and just make sure you're comfortable with the level of cover that you do hold. Okay? Beautiful. Excellent. And the other thing with the estate planning side of things is have yourself, your partner, Renee, ever sort of looked at getting a power of attorney or drawing a will or anything like that? Have you guys talked about that in the past? Yep. Yep. Yep. Yep. No. That's okay. All good. So it is definitely something to do. We, unfortunately, as advisers, don't do it. We do send you or a phase with solicitor to do so. There are other options, though, if you you know, you can use, like, a will kit from the post office if you prefer to to make it cheaper and easier, or you can through all the states and territories. They do have, like, a state trustee, which is a government agency, and they can help to organize wills pretty cheaply as well. So if you just Google the Queensland trustee, and they can sort of help to put you in touch and do a will nice and cheap. But doing a will and power of attorney is extremely important, especially where there are, you know, past family members and kids involved and things like that. Just making sure that everything is, you know, as per your wishes in the event that something happens to you, because passing in tax state down the track means that other people can come forward and make a claim on your estate, and then a judge gets to decide where that money goes to. Yeah. You're right. No. You're fine. All good. Yeah. This is on letting you know that the the local government trustees do also set up rules nice and cheap for you as well. And if you just Google the Queensland trustee, it can come up with, you know, how how they can help you. They do them over the phone and things like that as well just to sort of make sure that everything's protected for you. Oh, just gonna just gonna fill it out. Yeah. Well, I always sort of suggest make yourself a cup of tea or a coffee or whatever your poison is and have a seat and yeah. Just go through step by step and think about what it is that you want to happen to all of the assets. Yeah. All good. Easy. So I basically gone through just to kind of recap. I'll look at your space, I'll look at the investments, look at the projecting things forward for you to see what this looks like and where we can make some updates for you. We're not soaking in any additional salary sacrifice. I'll just be able to try and obtain a statement for Sunsuper from you to look at your insurance level. I'll come back and have a conversation with you around those once we obtain it so we can find out a bit more about what your goals are and whether we go and look at additional cover for you. And other than that, everything else looks like it's pretty well covered for the moment. Do you have any questions? I'm sorry. I know I touched on quite a lot of bits and pieces, but do you have any questions for me at the moment? No. Beautiful. Well, I will let you go. I thank you so much for your time today. I'll get my colleague, Samantha, to follow-up on the sun super statement, and then we'll come back and just follow-up with additional conversation around the insurance level for you. Okay? Easy. Well, I will let you go, Kate. No. Thank you for yours. You have a good day. See you later until soon. 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Thomas. It's Dana from IT Financial. How are you? I'm very well. Thank you.\n\nI have you booked in to go through your annual review this morning. Is that a good time there for you? Oh, fantastic. Before I jump into the call, I just need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And still quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file. Yep. Yep. Beautiful.\n\nThank you so much for that. Are you working today there, Pete, or got today off? Oh, wow. Well, hopefully, you're gonna have a good day. No time not to take up too much of your time there.\n\nI know sent through your annual review documents. Could you ask for the starting work today as well? Do you you probably don't have access to your emails, or are you able to log in to those real quick? Or if he yeah. If he can't, that's okay.\n\nI can run through things for you. It's not a problem. Yeah. That's okay. I've just sent you an email just to those annual review documents attached to make it easier for you.\n\nThe email comes through from o d u sign. Yeah. That's the one. Beautiful. Have you had any coffee for the morning at least?\n\nThat's good. Now when you I yeah. So the first when you go through the sign documents section, that's essentially your your ongoing service agreement for the next twelve months there. So your with your essentially, l to give you a bit of a rundown there, our ongoing service fees have not changed over the last couple of years, but technically not really changing now. We've just set up a more of a tiered structure.\n\nSo our ongoing service agreement stays at 1.65% until your balance reaches 200,000, and then it drops down to 1.375%. When your balance is 500,000, it drops down again. So, essentially, what we wanted to do was to kinda update the the structure. So as your balance increased towards your retirement goals, that the ongoing service agreement percentage drops a little bit with so you end up in a different tier. Your balance is still under that $200,000 mark, so you are still on that 1.65%.\n\nOn the ongoing service agreement you've got there, on the first page, you'll see it's actually got a dollar figure there. So we've decided from here on out, we're actually gonna work out what the the fee is as a dollar figure and disclose that to you and have that as in the hub 24. So unlike previous years where it was a percentage based fee that would go up and down with the market, it kind of we would give you an idea of what you were expected to pay us for the year. However, this gives you more certainty. Do you know it will be 3,331 and 7¢, and it's it will not go up above that in any way, shape, or form.\n\nDoes that make sense? Yeah. We just wanted to make sure that the fee was a little bit more disclosed, a little bit more open, and so having a set dollar figure essentially means that we've worked out in advance what you're expected to pay based on the percentage you're in, but it means that if you get a 20% return, your fee is not gonna go up to encompass that return. It's solely just based on your balance. And inside that balance, we account for 5% growth in the fund there.\n\nSo it's just kinda giving you more clarity and certainty around what our ongoing service fee is for the year, knowing that it won't go over that amount. Does that make sense? Yeah. Do you have any questions? You're welcome to let me know if you do.\n\nNo. Perfect. So once you're sort of happy with that, we'll get you signed and return it back so we can have it applied to your account there. On this front of the email, if you were to scroll back out, if you can't, that's honestly okay. We do have a couple of attachments there for you with your updated balances and the portfolio performance of the year.\n\nAre you able to just scroll back to go back for me to the front of that email? Or if you can't, that's okay. You're still loading? If if you want, I can just give you a run through on your balance and the performance. You're welcome to definitely have a bit more of a look at those again later if you need to.\n\nYep. And it should be coming back to me. It's come straight back to me. Yeah. Fabulous.\n\nSo, yeah, when you get back into the email first, that if you look at the very bottom of the email, there'll be a couple of attachments. Yeah. That sounds about right. One of those should say summary of state grant tuition and insurances. Can you see that one there?\n\nSummary of state grant insurances? Yeah. That's the one. Is that opening up for you? Yeah.\n\nYeah. No. You're not far under. So your super balance as of the August 7, you're sitting a $192,095.47 there. So you are very close to that $200,000 mark.\n\nNot far off it. With a bit of additional growth this year and seeing what we can do with the portfolio, we should be able to push you up a little bit higher there. And looking at your balance from the August 7 on with you those documents, we're looking at your super fund now, you're sitting at 193,000, so you've had a bit of additional growth in that time frame as well. Okay. Yeah.\n\nPerfect. Yeah. When I look at your portfolio as a whole and I break down the individual investments, most things are working really well, and we have seen a lot of ups and downs. You probably heard a lot of what's happening in the news this year with The US and Iran war, But also here in Australia, we've had a lot of high inflation as well, and that's also had an effect on the market because inflation does have an effect on defensive assets like cash and bonds and fixed interest. When I look at your portfolio last year, your balance was sitting at a $169,003.37.\n\nSo to be up to that 193,000 now is really good. And it shows that after fees so after all fees in your super fund, your super fund has come out with a return of 7.40%. That essentially shows as a dollar figure, the income plus the growth in your super fund has made $15,863.71. So you've done really well. Yeah.\n\nYou've come out on top there. One of the other things that I do look at is the sort of portfolio you're in and what that portfolio should be able to obtain. So because you're in a growth portfolio, and that generally sees about 80% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and gold and silver, so precious metals as well. In this sort of growth environment, you still hold about 20% low risk defensive investment, so things like cash, bonds, and fixed interest.\n\nThis sort of a portfolio should be able to obtain around about seven to 9% on a yearly basis as an average. So you've actually come in that middle range there at 7.40 as a net return, which is actually really good. You're in that range of where we wanna be in a growth environment. Anything over that 9% major portfolio is over performing, and anything under that 7% major portfolio sort of underperformed for the year. We do know that whilst we're aiming for that seven to 9%, some years you'll get a 20% return.\n\nOther years, you might only get a two or 3% return. It also depends upon what is happening within those markets. But when you're invested in that growth environment, that kind of portfolio suits someone who generally has about six years before they're wanting to access that to you at this stage. Looking at your circumstances, now you're 57 years. Is that right?\n\nYeah. Do you know what age you're kinda hoping you'd like to be able to retire and start drawing an income out of suit, or what was what kind of your thoughts at the moment on that? So I've actually got some good news for you here, morning. At the moment, under the current legislation, you can actually fully retire and access your Safe Far Holy tax free at the age of 60. If you work longer than 60, at 65, they'll make it fully accessible regardless of whether you're working or not.\n\nAnd age 67 is when you're able to access the age pension through the through Centrelink or through Services Australia if you're eligible to do so. But, realistically, you could retire anywhere from the age of 60. It more just comes down to what your balance is expected to be, what you need to live on on a weekly basis to survive and for expenses and how long your sleep is going to last. So, realistically, the longer you're able to work, the more we can build on super. If you are wanting to kind of look at retiring earlier, I would wanna start maybe reducing your risk level a little bit, but also considering extra contributions in to provide that boost to make sure you get that longevity.\n\nBut if you feel like you're comfortable working to 67, that's absolutely fine. What's the thoughts on that, and do you have any extra questions? Yeah. Yep. Yep.\n\nThat's okay. Yeah. No. That's okay. When I look at the underlying investments, you've been in this portfolio for a little bit, and most things are working really, really well.\n\nBut I can see a couple of areas I would like to maybe look at updating. So you do have a portfolio that came into play about a year or two ago. You've got one of your underlying investments in there. You've been along Australian Equities. Australian Equities are actually performing quite well with that one investment is sort of underperforming a little bit at the moment.\n\nSo I would like to maybe go back if you're comfortable with it, reassess your portfolio, look at your goals, and maybe look at where we expect to be at age six and 65 and 67 for you. Does that sound okay? Yeah. Beautiful. I'll update the portfolio.\n\nFind you something that might be a little bit you know, provide me a bit more diversification. I can look at maybe a portfolio that might be cheaper. You know, paying less than investment fees is never a bad thing. And then sort of see where that's tracking and see if I can find something better performing for you to give you a little bit more of a boost towards your retirement goals. Does that sound alright with you?\n\nYep. Beautiful. Excellent. It'll also give you an idea of what we're tracking for when we look at age 60, 65, and 67 to give you a bit of clarity on what you might wanna look at when you might wanna stop work or what you're after. Excellent.\n\nWhen you do retire, do you know what kind of income you're going to need to draw down or going to want to live off on a weekly basis? Have you thought about that thus far? No. That's okay. Yeah.\n\nYep. Is that fairly comfortable at the moment? Yep. Yeah. And because you still have a mortgage at the moment, don't you?\n\nYou've well, we had then you owed about a 110,000 on your main primary residence. Do you still owe have a loan on that one? Yes. Yep. Beautiful.\n\nAre you sort of hoping to have that paid off by the time you hit retirement, or do you think you might still have that loan in those years just for a little bit? Yep. Because, realistically, like, if you do have that mortgage completely paid off by that point in time, that $800 would certainly provide greater living. It would it would last longer. You wouldn't have that mortgage payment to pay back as well.\n\nBut if you still have that, do you want me just to project forward on $800 a week to see what that looks like for the time being, or would you like me just to create a bit of a buffer and increase the weekly living to, say, $85,900 to give you a bit more wiggle room? What would you like me to project forward for you? Nine 100 a week? Yep. Absolutely.\n\nThat sort of factors in in case you still have that mortgage and retirement. Absolutely. Excellent. And I've got down here that you're in a respecter relationship. Is that still correct?\n\nYep. Beautiful. And does does your partner work? Does she or, like, is the income coming in going to your expenditure? Yep.\n\nOkay. So yeah. Do do you kinda keep everything separate bill wise and expenses wise? No. That's okay.\n\nTogether. And is she younger than you, older than you, would she willing to retire at the same time as you, do you think? Or would that money still or would her income still be coming into the household? Yep. Beautiful.\n\nLet's see. Retires. Beautiful. And if you think about her income, because if once you retire, if she's still working and that income is all going into your family and being used, it might sort of help you a little bit as well with covering the cost of more than making your drawdown, you know, go a bit further. Do you know what her income is coming in on a regular basis, like a weekly basis at the moment?\n\nOr no. It's up. Right. Yes. Yep.\n\nOkay. So it's sort of when she can work, doesn't work all the time, more casual. Yes. That's okay. I'll sort of focus things around your super and your super only, stoking out any additional expenditures.\n\nSo we'll just look at what what we're projected to just move forward with your super, what the drawdowns look like. I can easily because age 67 is only just that ten years away at this point, I can factor in just a limited scope of Centrelink for you, just showing you, you know, at 67 based on your assets now, you'll be whether you're eligible for Centrelink and how that can help product provide a little bit of longevity to your statement. Does that sound okay? Beautiful. Excellent.\n\nNow the other thing to sort of look at is the risk level with regard to your super. So what I'm projecting for is sort of age 60, 65, and 67, but because you are in that kind of growth environment, if you were to say because real estate is 60 is only about three years away for you, if we saw a large market dip by, say, 20% due to what was happening in the world globally over the next one to three years, how do you think you might be feeling about that? Are you feeling like you're happy to work longer to wait for your super to recover? Are you wanting to put more money in and take advantage of the dip, or are you feeling a bit anxious and probably, you know, a bit concerned about your super having that kind of a dip? How might you feel?\n\nYep. Yep. So you'd be happy to work a little bit longer if you needed to? Yep. Yep.\n\nThat's okay. Sorry. I asked all the hard questions that you probably never thought of to answer. When you think of the risk level you're taking, as I kinda mentioned with that growth environment, you see about 80 in those high risk assets like shares, commodities like gold and silver, and property. When you think of the risk level, if you consider risk out of a number between one and five, you're sitting about a three.\n\nSo you're not quite at the highest level of risk and not really at the lowest level of risk. Do you sort of consider yourself to be in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can out of your paper, or do you consider yourself to be more a higher or lower risk taker? Where do you sort of see yourself? A little yep. Yep.\n\nThat's okay. And the last one here is have you ever seen your super fall in value? If you did moving forward, how does that make you feel? I mean, not ever like to see that the market is we don't like to see negative figures, but if you did over the next couple of years see your super falling value a little bit, are you feeling optimistic about the investment opportunities, maybe thinking about putting some extra money in? Are you a bit cautious because you're closer to accessing your super?\n\nAre you concerned or feeling very anxious about dips in the market? Where might you think you might feel? Yep. Absolutely. Lovely.\n\nAnd have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you generally not consider doing something like that you've only ever wanted to borrow for safe property or your main primary residence? Yep. That's okay. And you've got your main primary residence there, so I'll pop that one in. Beautiful.\n\nSo you scored in that growth environment there, which is where we have you at the moment. The main sort of thing that I would be looking at is the time horizon. So are you more likely to say work to 65 at the very earliest, or do you what's the likelihood that you might wanna stop working at 60? Yes. Beautiful.\n\nExcellent. Just because with that, when we're looking at that sort of thing with that growth environment, I wanna make sure that you do have a generally, that's six years ahead of you before you're wanting to access that money. If you had a lesser time horizon with the ups and downs we have seen this year, I might be a bit more cautious around trying to sort of talk about reducing this level. But I'm happy to sort of keep you there for the next twelve months. I would wanna just review things in twelve months time with you.\n\nBut in the meantime, I'll go back and have a look at your state for your portfolio and see if I can, you know, work on the investments a little bit, get things working a bit harder for you as well, and see if I can reduce some of your fees within your super fund. How does that sound? That sounds good. Excellent. Just to update a few additional circumstances for you here, your income last year was about 75,000.\n\nAre you earning about the same amount at the moment, Pete? Yes. Beautiful. Are you wanting to look at maybe salary sacrificing or putting more money into super, or are you finding it's not really preferable right now? Nope.\n\nThat's okay. Excellent. And are you managing to put much away in the way of savings out of your funds on a weekly basis, or is everything going towards your expenses? Everything's gone towards expenses. All good.\n\nOkay. No saving. Your main primary residence, we had an asset value on that last time of around 330,000. Do you know what that value might be to you now? What's the value you put on your home currently?\n\nOh, fantastic. And what would the mortgage be down to currently, do you think? Okay. $101.06 0. Sorry.\n\nIs that right? 160,000? Okay. And then I've got your car, your h x one tonner. You valued that last year at about 45,000.\n\nWould you still keep it about the same value? Yep. And you own a vehicle outright? Yep. Beautiful.\n\nOther assets I try to note down are things like content. I know it looks a bit funny, but content is still technically an asset. If you tip your house upside down and everything fell out, if you had to replace all those items, it could cost quite a bit. Do you have content insurance on your property? Yeah.\n\nWhat do you have your contents valued at on your insurance policy? 35? Yep. Beautiful. And do you have any other shares or collections or tools of trade or cars, boats, or caravans you put value on?\n\nNope. That's okay. The other thing to look at is now I believe a couple of years back, we had it noted that you had a Sunsuper account, and that also has some insurances in it. Are you aware if you still have that Sunsuper account? You do?\n\nBecause I can see your there are contributions coming into Hub twenty four as well. So I just wanna make sure that we do that you do still have that account, what the insurances look like for you. Back when we last spoke to your insurance level within that sunsuit, it was about 83,000 of life and TBD. I would need to do some research to find out what the insurance levels are now. But when you think about insurances versus your super because they are paid out of your super, is keeping those insurances still important to you until you kinda hit those retirement years, or what's the thoughts around your insurance aspect at the moment?\n\nMhmm. Mhmm. Yeah. That makes sense. Yeah.\n\nYep. Okay. Yeah. I yeah. Are you able to not in right now.\n\nI can sort of follow-up on a bit later if you're able to. Just obtain a bit of a statement for us there just so we can double check the balance you have in the account. We can check the investments, make sure everything's working harder for you, and check the insurance levels as well to make sure you're holding those covers a little bit longer. Yep. Beautiful.\n\nI'll get my admin team member to sort of follow-up on that with you if that's okay. Yep. We're trying to trust. Yeah. Yeah.\n\nAll these super funds are getting bought out by each other. For AARP fund. Yeah. No. That's okay.\n\nI'll get my call my admin team member, Michelle, to sorry. Samantha to follow-up on that for you just to obtain that. You had life and TBD in there. Do you understand what life and TBD are, how they work, and what they pay out, essentially? No.\n\nThat's essentially? No. That's okay. So to give you just a quick rundown, life cover pays out a lump sum benefit to your beneficiaries if you were to pass away. I'll obviously just go back and double check the level of cover that do have.\n\nBut based on, say, 83,000 of life cover, and if you were to then pass away, your super balance is also paid at your beneficiary. So am I right in assuming your beneficiary should be your partner? Is that right? I've got Renee. Yep.\n\nBeautiful. Yep. Beautiful. I never like to assume, but just like to double check to make sure that's what your wishes are. But if we sort of have a look at that, so based on a life cover of 83,000 plus a 192,095 of super paid out there for you, $0.09 5, it essentially means that she could get a lump sum benefit of 275,095 that could pay out the mortgage owing a 160,000 and then still leave her with some additional income or additional funds to sorta help around about a 115,000, give or take, to help look after the kids and, you know, move forward a little bit.\n\nDo you feel like that's sufficient? Yep. Yep. Yep. That's okay.\n\nThe same thing with TPD. So TPD or total permanent disability pays out either a lump sum disability benefit or an income stream if in the event that you were unable to ever go back to work again due to permanent disability. And, essentially, the benefit amount you're covered for is the same as life because we can also claim on your super. So you can have the CBD benefit paid out as well as your super. So, again, it gives you about 275,000 there.\n\nThe one thing I do like to bring up, because not many people are aware that if you claim CBD and you're under the age of 60, unfortunately, the government does deduct tax on that amount. It's up to 22%. So on, say, 275,000, 22% tax could be $60. That essentially means that the benefit could roughly be at the highest tax rate about 215,000, which realistically would still pay off the mortgage, leaving you debt free, and then you could have roughly about 55,000 left over. It's not a huge amount.\n\nAnd, obviously, the older you get, the the more expensive insurances do become, which is partly why we would have kept that funds through the insurances in place. But, yeah, it's brought us about what's important to you, whether that level of cover is sufficient or whether you think you might need more cover, and we go out there and try to find that for you. What is how do you feel about that at the moment? No. Definitely not.\n\nDefinitely not. That's okay. The other side of that is that because you are only three years away from 60, so long as you didn't need to claim on TBD after 60, the TBD benefit is fully tax free. There's no tax paid on TBD when you claim after the age of 60. So there is that benefit and option.\n\nI mean, the biggest thing with insurance is is looking at making sure you've got the level of cover that suits your goal. But, also, when it is paid out of super, it also affects how much you end up within retirement because you the premiums are coming out of your super fund. So it's kind of a juggling act. I will try to get the we'll get the statement. And then if you want, I can come back and have a secondary conversation with you about what the insurance levels are, what that looks like, and what you need.\n\nDoes that sound alright? Yep. Yep. Beautiful. You don't have any kind of income protection or trauma benefits.\n\nThe income protection, if you did have it, essentially covers or pays out a a monthly benefit if you're awkward due to illness or injury. Do you have much in the way of sick leave, annual leave, long service leave that you might be able to use if you were unable to go to work in the short term? Yeah. Beautiful. So income protection wouldn't be a problem.\n\nYou if you weren't working, you've got plenty of things to fall back on to cover your income? Yeah. Beautiful. Excellent. Now the other type of personal insurance that we can obtain if you wanted to is trauma.\n\nTrauma tends to pay out like a lump sum tax free benefit if you say have a heart attack, a stroke. Cancer's probably a big one. Parkinson's, other neurological conditions, they're major traumatic events. Did you wanna look at maybe getting some sort of trauma cover, or you're happy just with the the level of cover you have in some place at the moment, keeping the insurance cost low. What's your thought?\n\nYep. Beautiful. Excellent. So what I'll do is once we do get a a statement from you, I'll just make a time to come back and have a quick conversation around the insurance levels that you've got. We can talk about what your goals are with insurance and just make sure you're comfortable with the level of cover that you do hold.\n\nOkay? Beautiful. Excellent. And the other thing with the estate planning side of things is have yourself, your partner, Renee, ever sort of looked at getting a power of attorney or drawing a will or anything like that? Have you guys talked about that in the past?\n\nYep. Yep. Yep. Yep. No.\n\nThat's okay. All good. So it is definitely something to do. We, unfortunately, as advisers, don't do it. We do send you or a phase with solicitor to do so.\n\nThere are other options, though, if you you know, you can use, like, a will kit from the post office if you prefer to to make it cheaper and easier, or you can through all the states and territories. They do have, like, a state trustee, which is a government agency, and they can help to organize wills pretty cheaply as well. So if you just Google the Queensland trustee, and they can sort of help to put you in touch and do a will nice and cheap. But doing a will and power of attorney is extremely important, especially where there are, you know, past family members and kids involved and things like that. Just making sure that everything is, you know, as per your wishes in the event that something happens to you, because passing in tax state down the track means that other people can come forward and make a claim on your estate, and then a judge gets to decide where that money goes to.\n\nYeah. You're right. No. You're fine. All good.\n\nYeah. This is on letting you know that the the local government trustees do also set up rules nice and cheap for you as well. And if you just Google the Queensland trustee, it can come up with, you know, how how they can help you. They do them over the phone and things like that as well just to sort of make sure that everything's protected for you. Oh, just gonna just gonna fill it out.\n\nYeah. Well, I always sort of suggest make yourself a cup of tea or a coffee or whatever your poison is and have a seat and yeah. Just go through step by step and think about what it is that you want to happen to all of the assets. Yeah. All good.\n\nEasy. So I basically gone through just to kind of recap. I'll look at your space, I'll look at the investments, look at the projecting things forward for you to see what this looks like and where we can make some updates for you. We're not soaking in any additional salary sacrifice. I'll just be able to try and obtain a statement for Sunsuper from you to look at your insurance level.\n\nI'll come back and have a conversation with you around those once we obtain it so we can find out a bit more about what your goals are and whether we go and look at additional cover for you. And other than that, everything else looks like it's pretty well covered for the moment. Do you have any questions? I'm sorry. I know I touched on quite a lot of bits and pieces, but do you have any questions for me at the moment?\n\nNo. Beautiful. Well, I will let you go. I thank you so much for your time today. I'll get my colleague, Samantha, to follow-up on the sun super statement, and then we'll come back and just follow-up with additional conversation around the insurance level for you.\n\nOkay? Easy. Well, I will let you go, Kate. No. Thank you for yours.\n\nYou have a good day. See you later until soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Thomas.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.16034463793039322},{"text":"It's Dana from IT Financial.","start":2.96,"end":4.5,"sentiment":"neutral","sentiment_score":0.19372783601284027},{"text":"How are you?","start":4.56,"end":5.38,"sentiment":"neutral","sentiment_score":0.21933875977993011},{"text":"I'm very well.","start":7.52,"end":8.48,"sentiment":"positive","sentiment_score":0.6694698929786682},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.7488830983638763}],"sentiment":"positive","sentiment_score":0.363568040728569,"num_words":15,"start":2.24,"end":8.96},{"sentences":[{"text":"I have you booked in to go through your annual review this morning.","start":8.96,"end":11.599999,"sentiment":"positive","sentiment_score":0.366051034285472},{"text":"Is that a good time there for you?","start":11.599999,"end":13.54,"sentiment":"neutral","sentiment_score":0.3188248910009861},{"text":"Oh, fantastic.","start":15.215,"end":16.115,"sentiment":"positive","sentiment_score":0.57612743973732},{"text":"Before I jump into the call, I just need to let you know we do record our calls for quality and training purposes.","start":17.135,"end":21.695,"sentiment":"neutral","sentiment_score":0.1663811329914176},{"text":"Are you happy for me to proceed with that?","start":21.695,"end":23.875,"sentiment":"neutral","sentiment_score":0.2043912774986691}],"sentiment":"neutral","sentiment_score":0.2568691819906235,"num_words":55,"start":8.96,"end":23.875},{"sentences":[{"text":"Fantastic.","start":25.855,"end":26.355,"sentiment":"positive","sentiment_score":0.5837132930755615},{"text":"And still quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file.","start":26.575,"end":32.809998,"sentiment":"neutral","sentiment_score":0.20349833065712894},{"text":"Yep.","start":36.15,"end":36.65,"sentiment":"neutral","sentiment_score":0.068662129342556},{"text":"Yep.","start":38.15,"end":38.65,"sentiment":"neutral","sentiment_score":0.020157696679234505},{"text":"Beautiful.","start":43.825,"end":44.305,"sentiment":"positive","sentiment_score":0.5495882034301758}],"sentiment":"neutral","sentiment_score":0.21666375000870997,"num_words":31,"start":25.855,"end":44.305},{"sentences":[{"text":"Thank you so much for that.","start":44.305,"end":45.745003,"sentiment":"positive","sentiment_score":0.6519847810268402},{"text":"Are you working today there, Pete, or got today off?","start":45.745003,"end":48.805,"sentiment":"neutral","sentiment_score":0.23156939595937728},{"text":"Oh, wow.","start":51.905,"end":52.625,"sentiment":"neutral","sentiment_score":0.25061918050050735},{"text":"Well, hopefully, you're gonna have a good day.","start":52.625,"end":54.385002,"sentiment":"positive","sentiment_score":0.44260498881340027},{"text":"No time not to take up too much of your time there.","start":54.385002,"end":56.88,"sentiment":"neutral","sentiment_score":-0.16951843506346145}],"sentiment":"neutral","sentiment_score":0.21672262359214456,"num_words":38,"start":44.305,"end":56.88},{"sentences":[{"text":"I know sent through your annual review documents.","start":57.36,"end":60.58,"sentiment":"neutral","sentiment_score":0.014822834869846702},{"text":"Could you ask for the starting work today as well?","start":60.72,"end":63.28,"sentiment":"neutral","sentiment_score":0.016633239388465882},{"text":"Do you you probably don't have access to your emails, or are you able to log in to those real quick?","start":63.28,"end":68.24,"sentiment":"neutral","sentiment_score":-0.061701460785809015},{"text":"Or if he yeah.","start":68.24,"end":71.965004,"sentiment":"neutral","sentiment_score":-0.017019263934344053},{"text":"If he can't, that's okay.","start":71.965004,"end":73.165,"sentiment":"neutral","sentiment_score":-0.02616371363401413}],"sentiment":"neutral","sentiment_score":-0.02520231724095841,"num_words":48,"start":57.36,"end":73.165},{"sentences":[{"text":"I can run through things for you.","start":73.165,"end":74.605,"sentiment":"neutral","sentiment_score":0.15522594111306326},{"text":"It's not a problem.","start":74.605,"end":75.665,"sentiment":"neutral","sentiment_score":0.05789700336754322},{"text":"Yeah.","start":78.125,"end":78.445,"sentiment":"neutral","sentiment_score":0.08193130791187286},{"text":"That's okay.","start":78.445,"end":79.185,"sentiment":"neutral","sentiment_score":0.1404142901301384},{"text":"I've just sent you an email just to those annual review documents attached to make it easier for you.","start":80.685,"end":96.4,"sentiment":"neutral","sentiment_score":0.21393180050347982}],"sentiment":"neutral","sentiment_score":0.17411011209090552,"num_words":33,"start":73.165,"end":96.4},{"sentences":[{"text":"The email comes through from o d u sign.","start":109.674995,"end":112.335,"sentiment":"neutral","sentiment_score":0.07480685619844331},{"text":"Yeah.","start":114.01,"end":114.41,"sentiment":"neutral","sentiment_score":0.11483114957809448},{"text":"That's the one.","start":114.41,"end":115.29,"sentiment":"neutral","sentiment_score":0.19182967642943063},{"text":"Beautiful.","start":115.29,"end":115.79,"sentiment":"positive","sentiment_score":0.4337692260742187},{"text":"Have you had any coffee for the morning at least?","start":115.93,"end":118.19,"sentiment":"neutral","sentiment_score":0.1510942555963993}],"sentiment":"neutral","sentiment_score":0.13784556944544116,"num_words":24,"start":109.674995,"end":118.19},{"sentences":[{"text":"That's good.","start":122.090004,"end":122.83,"sentiment":"positive","sentiment_score":0.3363979607820511},{"text":"Now when you I yeah.","start":129.905,"end":131.525,"sentiment":"neutral","sentiment_score":0.0378489937633276},{"text":"So the first when you go through the sign documents section, that's essentially your your ongoing service agreement for the next twelve months there.","start":131.905,"end":138.86499,"sentiment":"neutral","sentiment_score":0.06372300589767595},{"text":"So your with your essentially, l to give you a bit of a rundown there, our ongoing service fees have not changed over the last couple of years, but technically not really changing now.","start":138.86499,"end":150.22,"sentiment":"neutral","sentiment_score":-0.047256271217894906},{"text":"We've just set up a more of a tiered structure.","start":150.22,"end":152.32,"sentiment":"neutral","sentiment_score":0.007334770448505878}],"sentiment":"neutral","sentiment_score":0.011440366866687934,"num_words":75,"start":122.090004,"end":152.32},{"sentences":[{"text":"So our ongoing service agreement stays at 1.65% until your balance reaches 200,000, and then it drops down to 1.375%.","start":152.38,"end":164.375,"sentiment":"neutral","sentiment_score":-0.041912922880146655},{"text":"When your balance is 500,000, it drops down again.","start":164.995,"end":168.035,"sentiment":"neutral","sentiment_score":-0.22669565346505907},{"text":"So, essentially, what we wanted to do was to kinda update the the structure.","start":168.035,"end":172.19499,"sentiment":"neutral","sentiment_score":0.022939857627664293},{"text":"So as your balance increased towards your retirement goals, that the ongoing service agreement percentage drops a little bit with so you end up in a different tier.","start":172.19499,"end":181.93,"sentiment":"neutral","sentiment_score":-0.0925981059138264},{"text":"Your balance is still under that $200,000 mark, so you are still on that 1.65%.","start":182.47,"end":189.45,"sentiment":"neutral","sentiment_score":0.07747870907187462}],"sentiment":"neutral","sentiment_score":-0.0463712518780254,"num_words":86,"start":152.38,"end":189.45},{"sentences":[{"text":"On the ongoing service agreement you've got there, on the first page, you'll see it's actually got a dollar figure there.","start":190.215,"end":195.735,"sentiment":"neutral","sentiment_score":0.11598362276951472},{"text":"So we've decided from here on out, we're actually gonna work out what the the fee is as a dollar figure and disclose that to you and have that as in the hub 24.","start":195.735,"end":206.3,"sentiment":"neutral","sentiment_score":0.260945994845208},{"text":"So unlike previous years where it was a percentage based fee that would go up and down with the market, it kind of we would give you an idea of what you were expected to pay us for the year.","start":206.3,"end":216.345,"sentiment":"neutral","sentiment_score":0.05443254467099905},{"text":"However, this gives you more certainty.","start":216.505,"end":218.285,"sentiment":"neutral","sentiment_score":0.06847398728132248},{"text":"Do you know it will be 3,331 and 7¢, and it's it will not go up above that in any way, shape, or form.","start":218.345,"end":226.025,"sentiment":"neutral","sentiment_score":-0.0940513432673786}],"sentiment":"neutral","sentiment_score":0.0946192315989925,"num_words":125,"start":190.215,"end":226.025},{"sentences":[{"text":"Does that make sense?","start":226.025,"end":227.16501,"sentiment":"neutral","sentiment_score":0.007591891102492811},{"text":"Yeah.","start":228.86,"end":229.18,"sentiment":"neutral","sentiment_score":-0.04815524071455002},{"text":"We just wanted to make sure that the fee was a little bit more disclosed, a little bit more open, and so having a set dollar figure essentially means that we've worked out in advance what you're expected to pay based on the percentage you're in, but it means that if you get a 20% return, your fee is not gonna go up to encompass that return.","start":229.18,"end":246.265,"sentiment":"neutral","sentiment_score":-0.012013901150159871},{"text":"It's solely just based on your balance.","start":246.485,"end":248.565,"sentiment":"neutral","sentiment_score":0.015360892883368902},{"text":"And inside that balance, we account for 5% growth in the fund there.","start":248.565,"end":252.805,"sentiment":"neutral","sentiment_score":0.13302149107823005}],"sentiment":"neutral","sentiment_score":0.011022680226470466,"num_words":92,"start":226.025,"end":252.805},{"sentences":[{"text":"So it's just kinda giving you more clarity and certainty around what our ongoing service fee is for the year, knowing that it won't go over that amount.","start":252.805,"end":260.9,"sentiment":"neutral","sentiment_score":0.15188372560909816},{"text":"Does that make sense?","start":260.9,"end":261.96,"sentiment":"neutral","sentiment_score":0.11406823992729187},{"text":"Yeah.","start":263.62,"end":264.02,"sentiment":"neutral","sentiment_score":0.1233191192150116},{"text":"Do you have any questions?","start":264.02,"end":265.3,"sentiment":"neutral","sentiment_score":0.120476995408535},{"text":"You're welcome to let me know if you do.","start":265.3,"end":267.32,"sentiment":"positive","sentiment_score":0.35251707832018536}],"sentiment":"neutral","sentiment_score":0.18313563995538873,"num_words":47,"start":252.805,"end":267.32},{"sentences":[{"text":"No.","start":270.42502,"end":270.665,"sentiment":"neutral","sentiment_score":0.07713454961776733},{"text":"Perfect.","start":270.665,"end":271.165,"sentiment":"positive","sentiment_score":0.4160808026790619},{"text":"So once you're sort of happy with that, we'll get you signed and return it back so we can have it applied to your account there.","start":271.305,"end":277.565,"sentiment":"positive","sentiment_score":0.3554510267881247},{"text":"On this front of the email, if you were to scroll back out, if you can't, that's honestly okay.","start":278.265,"end":283.8,"sentiment":"neutral","sentiment_score":0.13359097587434868},{"text":"We do have a couple of attachments there for you with your updated balances and the portfolio performance of the year.","start":283.94,"end":291.22,"sentiment":"neutral","sentiment_score":0.3102632619085766}],"sentiment":"neutral","sentiment_score":0.2763043983894236,"num_words":68,"start":270.42502,"end":291.22},{"sentences":[{"text":"Are you able to just scroll back to go back for me to the front of that email?","start":291.22,"end":295.965,"sentiment":"neutral","sentiment_score":0.0866478340079387},{"text":"Or if you can't, that's okay.","start":295.965,"end":297.66498,"sentiment":"neutral","sentiment_score":0.05300556526829799},{"text":"You're still loading?","start":301.00497,"end":303.34497,"sentiment":"neutral","sentiment_score":0.11014186839262645},{"text":"If if you want, I can just give you a run through on your balance and the performance.","start":306.84497,"end":310.125,"sentiment":"neutral","sentiment_score":0.21199015527963638},{"text":"You're welcome to definitely have a bit more of a look at those again later if you need to.","start":310.125,"end":314.07,"sentiment":"positive","sentiment_score":0.37434391755806773}],"sentiment":"neutral","sentiment_score":0.20525745683698915,"num_words":64,"start":291.22,"end":314.07},{"sentences":[{"text":"Yep.","start":317.81,"end":318.31,"sentiment":"neutral","sentiment_score":0.2378850430250168},{"text":"And it should be coming back to me.","start":319.17,"end":321.81,"sentiment":"neutral","sentiment_score":0.2745654098689556},{"text":"It's come straight back to me.","start":321.81,"end":323.41,"sentiment":"neutral","sentiment_score":0.22537585347890854},{"text":"Yeah.","start":323.41,"end":323.73,"sentiment":"positive","sentiment_score":0.4083443880081177},{"text":"Fabulous.","start":323.73,"end":324.23,"sentiment":"positive","sentiment_score":0.5127968788146973}],"sentiment":"neutral","sentiment_score":0.27692968880428986,"num_words":17,"start":317.81,"end":324.23},{"sentences":[{"text":"So, yeah, when you get back into the email first, that if you look at the very bottom of the email, there'll be a couple of attachments.","start":331.005,"end":336.945,"sentiment":"neutral","sentiment_score":0.13550712940869508},{"text":"Yeah.","start":353.015,"end":353.255,"sentiment":"neutral","sentiment_score":0.10888063907623292},{"text":"That sounds about right.","start":353.255,"end":354.615,"sentiment":"neutral","sentiment_score":0.1216849535703659},{"text":"One of those should say summary of state grant tuition and insurances.","start":354.615,"end":358.315,"sentiment":"neutral","sentiment_score":0.09188645395139854},{"text":"Can you see that one there?","start":358.615,"end":359.975,"sentiment":"neutral","sentiment_score":0.05443029788633188}],"sentiment":"neutral","sentiment_score":0.11367064364254474,"num_words":50,"start":331.005,"end":359.975},{"sentences":[{"text":"Summary of state grant insurances?","start":359.975,"end":361.595,"sentiment":"neutral","sentiment_score":0.04399410709738731},{"text":"Yeah.","start":369.66998,"end":369.99,"sentiment":"neutral","sentiment_score":0.10668247938156128},{"text":"That's the one.","start":369.99,"end":370.88998,"sentiment":"neutral","sentiment_score":0.10645777980486552},{"text":"Is that opening up for you?","start":382.115,"end":383.975,"sentiment":"neutral","sentiment_score":0.09086245050032933},{"text":"Yeah.","start":388.35498,"end":388.85498,"sentiment":"neutral","sentiment_score":-0.017596717923879623}],"sentiment":"neutral","sentiment_score":0.07335027121007442,"num_words":16,"start":359.975,"end":388.85498},{"sentences":[{"text":"Yeah.","start":393.49002,"end":393.73,"sentiment":"neutral","sentiment_score":-0.037156667560338974},{"text":"No.","start":393.73,"end":393.97,"sentiment":"neutral","sentiment_score":-0.09908875823020936},{"text":"You're not far under.","start":393.97,"end":395.17,"sentiment":"neutral","sentiment_score":-0.11265918239951134},{"text":"So your super balance as of the August 7, you're sitting a $192,095.47 there.","start":395.17,"end":403.64502,"sentiment":"neutral","sentiment_score":0.011234930782978023},{"text":"So you are very close to that $200,000 mark.","start":403.64502,"end":406.445,"sentiment":"neutral","sentiment_score":0.03021944769554668}],"sentiment":"neutral","sentiment_score":-0.0054351067298959044,"num_words":29,"start":393.49002,"end":406.445},{"sentences":[{"text":"Not far off it.","start":406.445,"end":407.74503,"sentiment":"neutral","sentiment_score":-0.040608045645058155},{"text":"With a bit of additional growth this year and seeing what we can do with the portfolio, we should be able to push you up a little bit higher there.","start":407.885,"end":415.005,"sentiment":"positive","sentiment_score":0.47165271962682404},{"text":"And looking at your balance from the August 7 on with you those documents, we're looking at your super fund now, you're sitting at 193,000, so you've had a bit of additional growth in that time frame as well.","start":415.005,"end":426.01,"sentiment":"neutral","sentiment_score":0.2241505483786265},{"text":"Okay.","start":426.01,"end":426.51,"sentiment":"neutral","sentiment_score":0.17518392205238342},{"text":"Yeah.","start":428.01,"end":428.51,"sentiment":"neutral","sentiment_score":0.18666574358940125}],"sentiment":"neutral","sentiment_score":0.30787827278176944,"num_words":75,"start":406.445,"end":428.51},{"sentences":[{"text":"Perfect.","start":428.57,"end":429.07,"sentiment":"positive","sentiment_score":0.3403857946395874},{"text":"Yeah.","start":429.85,"end":430.35,"sentiment":"neutral","sentiment_score":0.16114488244056702},{"text":"When I look at your portfolio as a whole and I break down the individual investments, most things are working really well, and we have seen a lot of ups and downs.","start":430.765,"end":438.52502,"sentiment":"neutral","sentiment_score":0.1456741753499955},{"text":"You probably heard a lot of what's happening in the news this year with The US and Iran war, But also here in Australia, we've had a lot of high inflation as well, and that's also had an effect on the market because inflation does have an effect on defensive assets like cash and bonds and fixed interest.","start":438.52502,"end":455.0,"sentiment":"neutral","sentiment_score":-0.06197065949953835},{"text":"When I look at your portfolio last year, your balance was sitting at a $169,003.37.","start":456.795,"end":463.615,"sentiment":"neutral","sentiment_score":0.17990138332049052}],"sentiment":"neutral","sentiment_score":0.039881558758076106,"num_words":107,"start":428.57,"end":463.615},{"sentences":[{"text":"So to be up to that 193,000 now is really good.","start":463.835,"end":467.115,"sentiment":"positive","sentiment_score":0.6177740774371407},{"text":"And it shows that after fees so after all fees in your super fund, your super fund has come out with a return of 7.40%.","start":467.115,"end":475.78,"sentiment":"positive","sentiment_score":0.44554598212242125},{"text":"That essentially shows as a dollar figure, the income plus the growth in your super fund has made $15,863.71.","start":476.15997,"end":485.36,"sentiment":"positive","sentiment_score":0.33678313776066426},{"text":"So you've done really well.","start":485.36,"end":487.26498,"sentiment":"positive","sentiment_score":0.5383754849433899},{"text":"Yeah.","start":487.32498,"end":487.645,"sentiment":"positive","sentiment_score":0.47356194257736206}],"sentiment":"positive","sentiment_score":0.4507948096658363,"num_words":61,"start":463.835,"end":487.645},{"sentences":[{"text":"You've come out on top there.","start":487.645,"end":489.26498,"sentiment":"positive","sentiment_score":0.5974973638852438},{"text":"One of the other things that I do look at is the sort of portfolio you're in and what that portfolio should be able to obtain.","start":489.88498,"end":497.10498,"sentiment":"neutral","sentiment_score":0.23128802959735578},{"text":"So because you're in a growth portfolio, and that generally sees about 80% of your super invested in growth assets.","start":497.405,"end":504.52002,"sentiment":"neutral","sentiment_score":0.21291835829615594},{"text":"So think about things like Australian shares, international shares, listed property, and gold and silver, so precious metals as well.","start":504.52002,"end":512.62,"sentiment":"neutral","sentiment_score":0.1970664642751217},{"text":"In this sort of growth environment, you still hold about 20% low risk defensive investment, so things like cash, bonds, and fixed interest.","start":513.705,"end":521.485,"sentiment":"neutral","sentiment_score":0.2460668877415035}],"sentiment":"neutral","sentiment_score":0.24692324023497733,"num_words":95,"start":487.645,"end":521.485},{"sentences":[{"text":"This sort of a portfolio should be able to obtain around about seven to 9% on a yearly basis as an average.","start":522.185,"end":528.605,"sentiment":"positive","sentiment_score":0.3839117344468832},{"text":"So you've actually come in that middle range there at 7.40 as a net return, which is actually really good.","start":528.95996,"end":535.37994,"sentiment":"positive","sentiment_score":0.5896809011697769},{"text":"You're in that range of where we wanna be in a growth environment.","start":535.83997,"end":539.86,"sentiment":"neutral","sentiment_score":0.012112449281490766},{"text":"Anything over that 9% major portfolio is over performing, and anything under that 7% major portfolio sort of underperformed for the year.","start":540.0,"end":548.58496,"sentiment":"neutral","sentiment_score":-0.04145184989002618},{"text":"We do know that whilst we're aiming for that seven to 9%, some years you'll get a 20% return.","start":549.045,"end":555.20496,"sentiment":"neutral","sentiment_score":0.1100342026666591}],"sentiment":"neutral","sentiment_score":0.22474840807262808,"num_words":96,"start":522.185,"end":555.20496},{"sentences":[{"text":"Other years, you might only get a two or 3% return.","start":555.20496,"end":557.64996,"sentiment":"neutral","sentiment_score":-0.01956349949945103},{"text":"It also depends upon what is happening within those markets.","start":557.64996,"end":560.70996,"sentiment":"neutral","sentiment_score":-0.04007337503135204},{"text":"But when you're invested in that growth environment, that kind of portfolio suits someone who generally has about six years before they're wanting to access that to you at this stage.","start":561.49,"end":572.07,"sentiment":"neutral","sentiment_score":0.08001165356366866},{"text":"Looking at your circumstances, now you're 57 years.","start":572.865,"end":577.34503,"sentiment":"neutral","sentiment_score":0.0034122264478355646},{"text":"Is that right?","start":577.34503,"end":578.16504,"sentiment":"neutral","sentiment_score":0.03896602988243103}],"sentiment":"neutral","sentiment_score":0.031882935188828954,"num_words":63,"start":555.20496,"end":578.16504},{"sentences":[{"text":"Yeah.","start":580.22504,"end":580.705,"sentiment":"neutral","sentiment_score":0.05810946971178055},{"text":"Do you know what age you're kinda hoping you'd like to be able to retire and start drawing an income out of suit, or what was what kind of your thoughts at the moment on that?","start":580.705,"end":597.5,"sentiment":"neutral","sentiment_score":-0.009598432095824845},{"text":"So I've actually got some good news for you here, morning.","start":600.2,"end":603.18,"sentiment":"positive","sentiment_score":0.5155669396573846},{"text":"At the moment, under the current legislation, you can actually fully retire and access your Safe Far Holy tax free at the age of 60.","start":603.405,"end":610.86505,"sentiment":"positive","sentiment_score":0.3802381253242493},{"text":"If you work longer than 60, at 65, they'll make it fully accessible regardless of whether you're working or not.","start":611.565,"end":619.38,"sentiment":"neutral","sentiment_score":0.2517732702195644}],"sentiment":"neutral","sentiment_score":0.21424968589237461,"num_words":93,"start":580.22504,"end":619.38},{"sentences":[{"text":"And age 67 is when you're able to access the age pension through the through Centrelink or through Services Australia if you're eligible to do so.","start":619.46,"end":627.48,"sentiment":"neutral","sentiment_score":0.19992024451494217},{"text":"But, realistically, you could retire anywhere from the age of 60.","start":627.7,"end":631.24,"sentiment":"neutral","sentiment_score":0.16129717163064264},{"text":"It more just comes down to what your balance is expected to be, what you need to live on on a weekly basis to survive and for expenses and how long your sleep is going to last.","start":631.555,"end":642.455,"sentiment":"neutral","sentiment_score":0.08627524690048115},{"text":"So, realistically, the longer you're able to work, the more we can build on super.","start":642.835,"end":648.00995,"sentiment":"neutral","sentiment_score":0.20931928778688114},{"text":"If you are wanting to kind of look at retiring earlier, I would wanna start maybe reducing your risk level a little bit, but also considering extra contributions in to provide that boost to make sure you get that longevity.","start":648.14996,"end":661.925,"sentiment":"neutral","sentiment_score":0.27583256233483555}],"sentiment":"neutral","sentiment_score":0.18866256737085277,"num_words":129,"start":619.46,"end":661.925},{"sentences":[{"text":"But if you feel like you're comfortable working to 67, that's absolutely fine.","start":662.705,"end":667.425,"sentiment":"positive","sentiment_score":0.39457725332333493},{"text":"What's the thoughts on that, and do you have any extra questions?","start":667.425,"end":670.565,"sentiment":"neutral","sentiment_score":0.055005443592866264},{"text":"Yeah.","start":675.48,"end":675.98,"sentiment":"neutral","sentiment_score":-0.0031047072261571884},{"text":"Yep.","start":686.88495,"end":687.365,"sentiment":"neutral","sentiment_score":0.05425006151199341},{"text":"Yep.","start":687.365,"end":687.685,"sentiment":"neutral","sentiment_score":0.07000909000635147}],"sentiment":"neutral","sentiment_score":0.21109728787892632,"num_words":28,"start":662.705,"end":687.685},{"sentences":[{"text":"That's okay.","start":687.685,"end":688.50494,"sentiment":"neutral","sentiment_score":0.1108151227235794},{"text":"Yeah.","start":692.725,"end":693.125,"sentiment":"neutral","sentiment_score":0.04001345857977867},{"text":"No.","start":693.125,"end":693.285,"sentiment":"neutral","sentiment_score":0.0026338547468185425},{"text":"That's okay.","start":693.285,"end":694.105,"sentiment":"neutral","sentiment_score":0.06851925700902939},{"text":"When I look at the underlying investments, you've been in this portfolio for a little bit, and most things are working really, really well.","start":694.88495,"end":701.125,"sentiment":"neutral","sentiment_score":0.11982683030267556}],"sentiment":"neutral","sentiment_score":0.10923866666853428,"num_words":30,"start":687.685,"end":701.125},{"sentences":[{"text":"But I can see a couple of areas I would like to maybe look at updating.","start":701.125,"end":704.95,"sentiment":"neutral","sentiment_score":0.06085546454414725},{"text":"So you do have a portfolio that came into play about a year or two ago.","start":705.08997,"end":710.39,"sentiment":"neutral","sentiment_score":0.044793673674575984},{"text":"You've got one of your underlying investments in there.","start":711.25,"end":713.64996,"sentiment":"neutral","sentiment_score":0.008371786317891546},{"text":"You've been along Australian Equities.","start":713.64996,"end":715.35,"sentiment":"neutral","sentiment_score":-0.0004013665020465851},{"text":"Australian Equities are actually performing quite well with that one investment is sort of underperforming a little bit at the moment.","start":716.065,"end":723.125,"sentiment":"neutral","sentiment_score":-0.15947038715793974}],"sentiment":"neutral","sentiment_score":-0.02365899514128913,"num_words":67,"start":701.125,"end":723.125},{"sentences":[{"text":"So I would like to maybe go back if you're comfortable with it, reassess your portfolio, look at your goals, and maybe look at where we expect to be at age six and 65 and 67 for you.","start":723.74506,"end":734.12,"sentiment":"neutral","sentiment_score":0.025551694739413888},{"text":"Does that sound okay?","start":734.12,"end":735.26,"sentiment":"neutral","sentiment_score":0.0738569526001811},{"text":"Yeah.","start":737.32,"end":737.8,"sentiment":"neutral","sentiment_score":0.19122347235679624},{"text":"Beautiful.","start":737.8,"end":738.3,"sentiment":"positive","sentiment_score":0.5667722225189209},{"text":"I'll update the portfolio.","start":738.36,"end":739.58,"sentiment":"positive","sentiment_score":0.36918410658836365}],"sentiment":"neutral","sentiment_score":0.0729400902443255,"num_words":48,"start":723.74506,"end":739.58},{"sentences":[{"text":"Find you something that might be a little bit you know, provide me a bit more diversification.","start":739.8,"end":744.38,"sentiment":"neutral","sentiment_score":0.25752488041625304},{"text":"I can look at maybe a portfolio that might be cheaper.","start":744.76,"end":747.315,"sentiment":"neutral","sentiment_score":0.25854380293325946},{"text":"You know, paying less than investment fees is never a bad thing.","start":747.315,"end":750.53503,"sentiment":"positive","sentiment_score":0.3660366162657738},{"text":"And then sort of see where that's tracking and see if I can find something better performing for you to give you a little bit more of a boost towards your retirement goals.","start":751.875,"end":759.47504,"sentiment":"neutral","sentiment_score":0.29292324862696906},{"text":"Does that sound alright with you?","start":759.47504,"end":761.01,"sentiment":"neutral","sentiment_score":0.1449479820827643}],"sentiment":"neutral","sentiment_score":0.2803860669837722,"num_words":79,"start":739.8,"end":761.01},{"sentences":[{"text":"Yep.","start":762.93,"end":763.43,"sentiment":"neutral","sentiment_score":0.15580351650714874},{"text":"Beautiful.","start":763.65,"end":764.15,"sentiment":"positive","sentiment_score":0.612616777420044},{"text":"Excellent.","start":764.53,"end":765.03,"sentiment":"neutral","sentiment_score":0.1141965389251709},{"text":"It'll also give you an idea of what we're tracking for when we look at age 60, 65, and 67 to give you a bit of clarity on what you might wanna look at when you might wanna stop work or what you're after.","start":765.25,"end":776.31,"sentiment":"neutral","sentiment_score":0.07192928437143564},{"text":"Excellent.","start":779.585,"end":780.085,"sentiment":"positive","sentiment_score":0.654915988445282}],"sentiment":"neutral","sentiment_score":0.09796711111751695,"num_words":48,"start":762.93,"end":780.085},{"sentences":[{"text":"When you do retire, do you know what kind of income you're going to need to draw down or going to want to live off on a weekly basis?","start":780.78503,"end":789.34503,"sentiment":"neutral","sentiment_score":0.17853509095208397},{"text":"Have you thought about that thus far?","start":789.34503,"end":791.25,"sentiment":"neutral","sentiment_score":0.05162062868475914},{"text":"No.","start":794.53,"end":794.85,"sentiment":"neutral","sentiment_score":-0.1573893278837204},{"text":"That's okay.","start":794.85,"end":795.75,"sentiment":"neutral","sentiment_score":-0.12782257050275803},{"text":"Yeah.","start":797.73,"end":798.23,"sentiment":"neutral","sentiment_score":0.010120084509253502}],"sentiment":"neutral","sentiment_score":0.12839869135059417,"num_words":40,"start":780.78503,"end":798.23},{"sentences":[{"text":"Yep.","start":806.785,"end":807.105,"sentiment":"neutral","sentiment_score":0.08043420314788818},{"text":"Is that fairly comfortable at the moment?","start":807.105,"end":809.045,"sentiment":"neutral","sentiment_score":0.03508587766970907},{"text":"Yep.","start":815.665,"end":816.165,"sentiment":"neutral","sentiment_score":-0.2603886127471924},{"text":"Yeah.","start":823.0,"end":823.5,"sentiment":"neutral","sentiment_score":-0.04298033565282822},{"text":"And because you still have a mortgage at the moment, don't you?","start":824.12,"end":827.0,"sentiment":"neutral","sentiment_score":-0.06025125117351612}],"sentiment":"neutral","sentiment_score":-0.03183402798392556,"num_words":22,"start":806.785,"end":827.0},{"sentences":[{"text":"You've well, we had then you owed about a 110,000 on your main primary residence.","start":827.0,"end":831.56,"sentiment":"neutral","sentiment_score":-0.046737600862979886},{"text":"Do you still owe have a loan on that one?","start":831.56,"end":834.3,"sentiment":"neutral","sentiment_score":-0.049088417738676074},{"text":"Yes.","start":836.19995,"end":836.505,"sentiment":"neutral","sentiment_score":0.06252836436033249},{"text":"Yep.","start":836.665,"end":836.905,"sentiment":"neutral","sentiment_score":0.1508898138999939},{"text":"Beautiful.","start":836.905,"end":837.405,"sentiment":"positive","sentiment_score":0.38798457384109497}],"sentiment":"neutral","sentiment_score":-0.02109090850821563,"num_words":28,"start":827.0,"end":837.405},{"sentences":[{"text":"Are you sort of hoping to have that paid off by the time you hit retirement, or do you think you might still have that loan in those years just for a little bit?","start":838.265,"end":846.365,"sentiment":"neutral","sentiment_score":0.035316625007373446},{"text":"Yep.","start":850.185,"end":850.685,"sentiment":"neutral","sentiment_score":-0.0351620689034462},{"text":"Because, realistically, like, if you do have that mortgage completely paid off by that point in time, that $800 would certainly provide greater living.","start":853.45996,"end":861.3,"sentiment":"neutral","sentiment_score":0.025527674704790115},{"text":"It would it would last longer.","start":861.3,"end":862.74,"sentiment":"neutral","sentiment_score":0.033411613355080284},{"text":"You wouldn't have that mortgage payment to pay back as well.","start":862.74,"end":865.95996,"sentiment":"neutral","sentiment_score":-0.055508088659156456}],"sentiment":"neutral","sentiment_score":0.01800194840976282,"num_words":76,"start":838.265,"end":865.95996},{"sentences":[{"text":"But if you still have that, do you want me just to project forward on $800 a week to see what that looks like for the time being, or would you like me just to create a bit of a buffer and increase the weekly living to, say, $85,900 to give you a bit more wiggle room?","start":866.48505,"end":882.0,"sentiment":"neutral","sentiment_score":0.031086829768722516},{"text":"What would you like me to project forward for you?","start":882.08,"end":884.58,"sentiment":"neutral","sentiment_score":0.037760167941451074},{"text":"Nine 100 a week?","start":887.36,"end":888.74,"sentiment":"neutral","sentiment_score":0.026036130730062723},{"text":"Yep.","start":888.88,"end":889.38,"sentiment":"neutral","sentiment_score":0.0925360545516014},{"text":"Absolutely.","start":889.68,"end":890.18,"sentiment":"neutral","sentiment_score":0.15809084475040436}],"sentiment":"neutral","sentiment_score":0.03430578628019111,"num_words":73,"start":866.48505,"end":890.18},{"sentences":[{"text":"That sort of factors in in case you still have that mortgage and retirement.","start":890.48,"end":893.78,"sentiment":"neutral","sentiment_score":0.08454773867768901},{"text":"Absolutely.","start":894.08,"end":894.58,"sentiment":"neutral","sentiment_score":0.10135706514120102},{"text":"Excellent.","start":896.51495,"end":897.01495,"sentiment":"positive","sentiment_score":0.7993318438529968},{"text":"And I've got down here that you're in a respecter relationship.","start":897.235,"end":900.055,"sentiment":"positive","sentiment_score":0.4166617014191367},{"text":"Is that still correct?","start":900.195,"end":901.33496,"sentiment":"neutral","sentiment_score":0.14336016401648521}],"sentiment":"neutral","sentiment_score":0.23358311684381577,"num_words":31,"start":890.48,"end":901.33496},{"sentences":[{"text":"Yep.","start":903.15497,"end":903.65497,"sentiment":"neutral","sentiment_score":0.0914219245314598},{"text":"Beautiful.","start":904.035,"end":904.51495,"sentiment":"positive","sentiment_score":0.4096903204917908},{"text":"And does does your partner work?","start":904.51495,"end":906.51495,"sentiment":"neutral","sentiment_score":0.07997493632137775},{"text":"Does she or, like, is the income coming in going to your expenditure?","start":906.51495,"end":910.77496,"sentiment":"neutral","sentiment_score":0.03790663440640156},{"text":"Yep.","start":915.18005,"end":915.68005,"sentiment":"neutral","sentiment_score":0.09230756759643556}],"sentiment":"neutral","sentiment_score":0.07118434899232605,"num_words":22,"start":903.15497,"end":915.68005},{"sentences":[{"text":"Okay.","start":921.10004,"end":921.58,"sentiment":"neutral","sentiment_score":0.022737711668014526},{"text":"So yeah.","start":921.58,"end":923.60004,"sentiment":"neutral","sentiment_score":0.023613876663148403},{"text":"Do do you kinda keep everything separate bill wise and expenses wise?","start":925.315,"end":929.335,"sentiment":"neutral","sentiment_score":-0.0005952203646302223},{"text":"No.","start":931.875,"end":932.195,"sentiment":"neutral","sentiment_score":-0.13525812327861786},{"text":"That's okay.","start":932.195,"end":933.015,"sentiment":"neutral","sentiment_score":0.019266777359007392}],"sentiment":"neutral","sentiment_score":-0.001883430441214134,"num_words":18,"start":921.10004,"end":933.015},{"sentences":[{"text":"Together.","start":933.47504,"end":933.97504,"sentiment":"neutral","sentiment_score":0.032288506627082825},{"text":"And is she younger than you, older than you, would she willing to retire at the same time as you, do you think?","start":934.59503,"end":939.88995,"sentiment":"neutral","sentiment_score":-0.03239280681895173},{"text":"Or would that money still or would her income still be coming into the household?","start":939.88995,"end":943.50995,"sentiment":"neutral","sentiment_score":-0.050992535799741744},{"text":"Yep.","start":949.73,"end":950.12994,"sentiment":"neutral","sentiment_score":0.1672886312007904},{"text":"Beautiful.","start":950.12994,"end":950.62994,"sentiment":"positive","sentiment_score":0.4657226800918579}],"sentiment":"neutral","sentiment_score":-0.020600555510055726,"num_words":41,"start":933.47504,"end":950.62994},{"sentences":[{"text":"Let's see.","start":951.605,"end":952.08496,"sentiment":"neutral","sentiment_score":0.2710699662566185},{"text":"Retires.","start":952.08496,"end":952.58496,"sentiment":"neutral","sentiment_score":0.17727503180503845},{"text":"Beautiful.","start":952.805,"end":953.305,"sentiment":"positive","sentiment_score":0.5077387690544128},{"text":"And if you think about her income, because if once you retire, if she's still working and that income is all going into your family and being used, it might sort of help you a little bit as well with covering the cost of more than making your drawdown, you know, go a bit further.","start":953.685,"end":970.23,"sentiment":"neutral","sentiment_score":0.2072557743300091},{"text":"Do you know what her income is coming in on a regular basis, like a weekly basis at the moment?","start":970.85,"end":975.81,"sentiment":"neutral","sentiment_score":0.008428371185436845}],"sentiment":"neutral","sentiment_score":0.16195935120546742,"num_words":79,"start":951.605,"end":975.81},{"sentences":[{"text":"Or no.","start":975.81,"end":979.89,"sentiment":"neutral","sentiment_score":-0.07960760407149792},{"text":"It's up.","start":979.89,"end":980.55,"sentiment":"neutral","sentiment_score":-0.07264472544193268},{"text":"Right.","start":984.10504,"end":984.60504,"sentiment":"neutral","sentiment_score":0.006870376877486706},{"text":"Yes.","start":990.025,"end":990.525,"sentiment":"neutral","sentiment_score":0.015789959579706192},{"text":"Yep.","start":990.74506,"end":991.24506,"sentiment":"neutral","sentiment_score":0.03590475767850876}],"sentiment":"neutral","sentiment_score":-0.03513422355587993,"num_words":7,"start":975.81,"end":991.24506},{"sentences":[{"text":"Okay.","start":992.10504,"end":992.42505,"sentiment":"neutral","sentiment_score":0.0325886532664299},{"text":"So it's sort of when she can work, doesn't work all the time, more casual.","start":992.42505,"end":996.685,"sentiment":"neutral","sentiment_score":0.0023673372032741707},{"text":"Yes.","start":998.99,"end":999.49,"sentiment":"neutral","sentiment_score":0.11601955443620682},{"text":"That's okay.","start":1000.51,"end":1001.25,"sentiment":"neutral","sentiment_score":0.18695783615112305},{"text":"I'll sort of focus things around your super and your super only, stoking out any additional expenditures.","start":1002.19,"end":1007.73,"sentiment":"neutral","sentiment_score":0.19177004388150046}],"sentiment":"neutral","sentiment_score":0.10605901900109732,"num_words":36,"start":992.10504,"end":1007.73},{"sentences":[{"text":"So we'll just look at what what we're projected to just move forward with your super, what the drawdowns look like.","start":1007.79,"end":1014.065,"sentiment":"neutral","sentiment_score":0.11132331192493439},{"text":"I can easily because age 67 is only just that ten years away at this point, I can factor in just a limited scope of Centrelink for you, just showing you, you know, at 67 based on your assets now, you'll be whether you're eligible for Centrelink and how that can help product provide a little bit of longevity to your statement.","start":1014.125,"end":1034.68,"sentiment":"neutral","sentiment_score":0.23099159263074398},{"text":"Does that sound okay?","start":1034.68,"end":1035.8201,"sentiment":"neutral","sentiment_score":0.19326182827353477},{"text":"Beautiful.","start":1038.425,"end":1038.925,"sentiment":"positive","sentiment_score":0.6457571983337402},{"text":"Excellent.","start":1039.625,"end":1040.125,"sentiment":"positive","sentiment_score":0.7542225122451782}],"sentiment":"neutral","sentiment_score":0.21159882378879558,"num_words":89,"start":1007.79,"end":1040.125},{"sentences":[{"text":"Now the other thing to sort of look at is the risk level with regard to your super.","start":1042.745,"end":1048.525,"sentiment":"neutral","sentiment_score":0.006572814451323615},{"text":"So what I'm projecting for is sort of age 60, 65, and 67, but because you are in that kind of growth environment, if you were to say because real estate is 60 is only about three years away for you, if we saw a large market dip by, say, 20% due to what was happening in the world globally over the next one to three years, how do you think you might be feeling about that?","start":1048.665,"end":1074.0549,"sentiment":"neutral","sentiment_score":-0.06798577593494352},{"text":"Are you feeling like you're happy to work longer to wait for your super to recover?","start":1074.0549,"end":1078.235,"sentiment":"neutral","sentiment_score":-0.01527967443689704},{"text":"Are you wanting to put more money in and take advantage of the dip, or are you feeling a bit anxious and probably, you know, a bit concerned about your super having that kind of a dip?","start":1078.77,"end":1087.5701,"sentiment":"neutral","sentiment_score":-0.18026589924419248},{"text":"How might you feel?","start":1087.5701,"end":1088.7101,"sentiment":"neutral","sentiment_score":-0.1064815316349268}],"sentiment":"neutral","sentiment_score":-0.08195285050284215,"num_words":152,"start":1042.745,"end":1088.7101},{"sentences":[{"text":"Yep.","start":1102.205,"end":1102.605,"sentiment":"neutral","sentiment_score":0.08429976552724838},{"text":"Yep.","start":1102.605,"end":1102.845,"sentiment":"neutral","sentiment_score":0.09339998662471773},{"text":"So you'd be happy to work a little bit longer if you needed to?","start":1102.845,"end":1105.985,"sentiment":"neutral","sentiment_score":0.192967418049063},{"text":"Yep.","start":1107.885,"end":1108.2,"sentiment":"neutral","sentiment_score":0.06458485126495361},{"text":"Yep.","start":1108.36,"end":1108.6799,"sentiment":"neutral","sentiment_score":0.09018747508525848}],"sentiment":"neutral","sentiment_score":0.16855644062161446,"num_words":18,"start":1102.205,"end":1108.6799},{"sentences":[{"text":"That's okay.","start":1108.6799,"end":1109.5,"sentiment":"neutral","sentiment_score":0.174159474670887},{"text":"Sorry.","start":1110.76,"end":1111.08,"sentiment":"neutral","sentiment_score":-0.096257284283638},{"text":"I asked all the hard questions that you probably never thought of to answer.","start":1111.08,"end":1114.7799,"sentiment":"neutral","sentiment_score":-0.16420022238578116},{"text":"When you think of the risk level you're taking, as I kinda mentioned with that growth environment, you see about 80 in those high risk assets like shares, commodities like gold and silver, and property.","start":1120.12,"end":1131.5449,"sentiment":"neutral","sentiment_score":-0.05247050848390375},{"text":"When you think of the risk level, if you consider risk out of a number between one and five, you're sitting about a three.","start":1131.9249,"end":1137.9299,"sentiment":"neutral","sentiment_score":-0.11443805213396747}],"sentiment":"neutral","sentiment_score":-0.08723319074335067,"num_words":76,"start":1108.6799,"end":1137.9299},{"sentences":[{"text":"So you're not quite at the highest level of risk and not really at the lowest level of risk.","start":1137.9299,"end":1142.2699,"sentiment":"neutral","sentiment_score":-0.2463376522064209},{"text":"Do you sort of consider yourself to be in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can out of your paper, or do you consider yourself to be more a higher or lower risk taker?","start":1143.0499,"end":1155.765,"sentiment":"neutral","sentiment_score":0.08546515468818446},{"text":"Where do you sort of see yourself?","start":1155.765,"end":1157.2251,"sentiment":"neutral","sentiment_score":-0.022825112034167563},{"text":"A little yep.","start":1161.4451,"end":1162.885,"sentiment":"neutral","sentiment_score":-0.01929449678088228},{"text":"Yep.","start":1162.885,"end":1163.385,"sentiment":"neutral","sentiment_score":0.06478114426136017}],"sentiment":"neutral","sentiment_score":-0.00937136022063593,"num_words":78,"start":1137.9299,"end":1163.385},{"sentences":[{"text":"That's okay.","start":1163.525,"end":1164.425,"sentiment":"neutral","sentiment_score":0.17888690531253815},{"text":"And the last one here is have you ever seen your super fall in value?","start":1166.52,"end":1171.26,"sentiment":"neutral","sentiment_score":-0.1364376462996006},{"text":"If you did moving forward, how does that make you feel?","start":1171.32,"end":1173.88,"sentiment":"neutral","sentiment_score":-0.09776399826461618},{"text":"I mean, not ever like to see that the market is we don't like to see negative figures, but if you did over the next couple of years see your super falling value a little bit, are you feeling optimistic about the investment opportunities, maybe thinking about putting some extra money in?","start":1173.88,"end":1188.265,"sentiment":"neutral","sentiment_score":-0.1562722156254145},{"text":"Are you a bit cautious because you're closer to accessing your super?","start":1188.4851,"end":1192.0851,"sentiment":"neutral","sentiment_score":-0.24091350163022676}],"sentiment":"neutral","sentiment_score":-0.1497968706180868,"num_words":92,"start":1163.525,"end":1192.0851},{"sentences":[{"text":"Are you concerned or feeling very anxious about dips in the market?","start":1192.0851,"end":1195.5599,"sentiment":"neutral","sentiment_score":-0.2896953585247199},{"text":"Where might you think you might feel?","start":1195.5599,"end":1197.42,"sentiment":"neutral","sentiment_score":-0.12188945923532758},{"text":"Yep.","start":1203.08,"end":1203.58,"sentiment":"neutral","sentiment_score":0.06701180338859558},{"text":"Absolutely.","start":1203.64,"end":1204.14,"sentiment":"positive","sentiment_score":0.4259456992149353},{"text":"Lovely.","start":1204.84,"end":1205.34,"sentiment":"positive","sentiment_score":0.5086556673049927}],"sentiment":"neutral","sentiment_score":-0.15127078850160947,"num_words":22,"start":1192.0851,"end":1205.34},{"sentences":[{"text":"And have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you generally not consider doing something like that you've only ever wanted to borrow for safe property or your main primary residence?","start":1205.72,"end":1217.715,"sentiment":"neutral","sentiment_score":0.01782520838774914},{"text":"Yep.","start":1222.335,"end":1222.655,"sentiment":"neutral","sentiment_score":0.034261204302310944},{"text":"That's okay.","start":1222.655,"end":1223.395,"sentiment":"neutral","sentiment_score":0.13706713169813156},{"text":"And you've got your main primary residence there, so I'll pop that one in.","start":1223.8301,"end":1226.87,"sentiment":"neutral","sentiment_score":0.10086872428655624},{"text":"Beautiful.","start":1226.87,"end":1227.37,"sentiment":"positive","sentiment_score":0.5491646528244019}],"sentiment":"neutral","sentiment_score":0.04977387247881929,"num_words":61,"start":1205.72,"end":1227.37},{"sentences":[{"text":"So you scored in that growth environment there, which is where we have you at the moment.","start":1228.2301,"end":1232.65,"sentiment":"neutral","sentiment_score":0.23360952734947205},{"text":"The main sort of thing that I would be looking at is the time horizon.","start":1233.03,"end":1236.3301,"sentiment":"neutral","sentiment_score":-0.03539109453558922},{"text":"So are you more likely to say work to 65 at the very earliest, or do you what's the likelihood that you might wanna stop working at 60?","start":1236.4701,"end":1245.875,"sentiment":"neutral","sentiment_score":-0.07523298103894506},{"text":"Yes.","start":1251.91,"end":1252.41,"sentiment":"neutral","sentiment_score":-0.1351264715194702},{"text":"Beautiful.","start":1253.91,"end":1254.41,"sentiment":"positive","sentiment_score":0.4315735995769501}],"sentiment":"neutral","sentiment_score":0.026297083965712977,"num_words":62,"start":1228.2301,"end":1254.41},{"sentences":[{"text":"Excellent.","start":1254.55,"end":1254.95,"sentiment":"neutral","sentiment_score":-0.04294383153319359},{"text":"Just because with that, when we're looking at that sort of thing with that growth environment, I wanna make sure that you do have a generally, that's six years ahead of you before you're wanting to access that money.","start":1254.95,"end":1264.49,"sentiment":"neutral","sentiment_score":0.05215850429466137},{"text":"If you had a lesser time horizon with the ups and downs we have seen this year, I might be a bit more cautious around trying to sort of talk about reducing this level.","start":1264.865,"end":1273.4451,"sentiment":"neutral","sentiment_score":-0.10365309237557299},{"text":"But I'm happy to sort of keep you there for the next twelve months.","start":1273.8251,"end":1276.9651,"sentiment":"positive","sentiment_score":0.5081016804490771},{"text":"I would wanna just review things in twelve months time with you.","start":1277.425,"end":1280.16,"sentiment":"neutral","sentiment_score":0.2665982445081075}],"sentiment":"neutral","sentiment_score":0.08779635155573487,"num_words":100,"start":1254.55,"end":1280.16},{"sentences":[{"text":"But in the meantime, I'll go back and have a look at your state for your portfolio and see if I can, you know, work on the investments a little bit, get things working a bit harder for you as well, and see if I can reduce some of your fees within your super fund.","start":1280.16,"end":1294.3201,"sentiment":"neutral","sentiment_score":0.17987266196445986},{"text":"How does that sound?","start":1294.3201,"end":1295.235,"sentiment":"neutral","sentiment_score":0.15042981877923012},{"text":"That sounds good.","start":1297.795,"end":1298.775,"sentiment":"positive","sentiment_score":0.6314808130264282},{"text":"Excellent.","start":1298.995,"end":1299.495,"sentiment":"positive","sentiment_score":0.5839182734489441},{"text":"Just to update a few additional circumstances for you here, your income last year was about 75,000.","start":1301.235,"end":1308.115,"sentiment":"neutral","sentiment_score":0.11472928261055666}],"sentiment":"neutral","sentiment_score":0.1865434275008738,"num_words":80,"start":1280.16,"end":1308.115},{"sentences":[{"text":"Are you earning about the same amount at the moment, Pete?","start":1308.115,"end":1310.76,"sentiment":"neutral","sentiment_score":0.029972467910159718},{"text":"Yes.","start":1313.24,"end":1313.56,"sentiment":"neutral","sentiment_score":0.11978556215763092},{"text":"Beautiful.","start":1313.56,"end":1314.06,"sentiment":"positive","sentiment_score":0.34477531909942627},{"text":"Are you wanting to look at maybe salary sacrificing or putting more money into super, or are you finding it's not really preferable right now?","start":1315.16,"end":1322.14,"sentiment":"neutral","sentiment_score":-0.08613881438970566},{"text":"Nope.","start":1326.2849,"end":1326.6849,"sentiment":"neutral","sentiment_score":-0.1751759648323059}],"sentiment":"neutral","sentiment_score":-0.039343289648875214,"num_words":39,"start":1308.115,"end":1326.6849},{"sentences":[{"text":"That's okay.","start":1326.6849,"end":1327.505,"sentiment":"neutral","sentiment_score":-0.03378468193113804},{"text":"Excellent.","start":1327.965,"end":1328.465,"sentiment":"neutral","sentiment_score":0.2971125841140747},{"text":"And are you managing to put much away in the way of savings out of your funds on a weekly basis, or is everything going towards your expenses?","start":1329.485,"end":1336.945,"sentiment":"neutral","sentiment_score":-0.005147479075406279},{"text":"Everything's gone towards expenses.","start":1340.5249,"end":1342.04,"sentiment":"neutral","sentiment_score":-0.03835765831172466},{"text":"All good.","start":1342.26,"end":1343.0801,"sentiment":"neutral","sentiment_score":0.25537533313035965}],"sentiment":"neutral","sentiment_score":0.011965779436601175,"num_words":37,"start":1326.6849,"end":1343.0801},{"sentences":[{"text":"Okay.","start":1343.3,"end":1343.7001,"sentiment":"neutral","sentiment_score":0.011310504749417303},{"text":"No saving.","start":1343.7001,"end":1344.52,"sentiment":"neutral","sentiment_score":-0.03431074880063534},{"text":"Your main primary residence, we had an asset value on that last time of around 330,000.","start":1345.7001,"end":1351.54,"sentiment":"neutral","sentiment_score":0.009936703252606094},{"text":"Do you know what that value might be to you now?","start":1351.54,"end":1354.02,"sentiment":"neutral","sentiment_score":0.01125109771435911},{"text":"What's the value you put on your home currently?","start":1354.02,"end":1356.4401,"sentiment":"neutral","sentiment_score":0.005454744264069531}],"sentiment":"neutral","sentiment_score":0.007039257241651798,"num_words":39,"start":1343.3,"end":1356.4401},{"sentences":[{"text":"Oh, fantastic.","start":1361.4249,"end":1362.245,"sentiment":"positive","sentiment_score":0.38706573843955994},{"text":"And what would the mortgage be down to currently, do you think?","start":1363.825,"end":1367.205,"sentiment":"neutral","sentiment_score":0.06244639648745457},{"text":"Okay.","start":1370.865,"end":1371.365,"sentiment":"neutral","sentiment_score":-0.007930791936814785},{"text":"$101.06 0.","start":1378.01,"end":1379.45,"sentiment":"neutral","sentiment_score":-0.004898455343209207},{"text":"Sorry.","start":1379.45,"end":1379.85,"sentiment":"neutral","sentiment_score":-0.05338673293590546}],"sentiment":"neutral","sentiment_score":0.0806874332871909,"num_words":18,"start":1361.4249,"end":1379.85},{"sentences":[{"text":"Is that right?","start":1379.85,"end":1380.6699,"sentiment":"neutral","sentiment_score":-0.028610317036509514},{"text":"160,000?","start":1382.8099,"end":1384.2699,"sentiment":"neutral","sentiment_score":0.01195463165640831},{"text":"Okay.","start":1384.49,"end":1384.99,"sentiment":"neutral","sentiment_score":-0.02350468933582306},{"text":"And then I've got your car, your h x one tonner.","start":1386.085,"end":1389.065,"sentiment":"neutral","sentiment_score":0.06476731835441156},{"text":"You valued that last year at about 45,000.","start":1389.445,"end":1392.345,"sentiment":"neutral","sentiment_score":0.0819517052732408}],"sentiment":"neutral","sentiment_score":0.05294471397064626,"num_words":24,"start":1379.85,"end":1392.345},{"sentences":[{"text":"Would you still keep it about the same value?","start":1392.6449,"end":1394.985,"sentiment":"neutral","sentiment_score":0.056076392945316106},{"text":"Yep.","start":1398.73,"end":1399.05,"sentiment":"neutral","sentiment_score":0.08146535605192184},{"text":"And you own a vehicle outright?","start":1399.05,"end":1400.91,"sentiment":"neutral","sentiment_score":0.05967211661239465},{"text":"Yep.","start":1403.53,"end":1403.93,"sentiment":"neutral","sentiment_score":0.19270148873329165},{"text":"Beautiful.","start":1403.93,"end":1404.43,"sentiment":"positive","sentiment_score":0.6118364334106445}],"sentiment":"neutral","sentiment_score":0.09715130635433727,"num_words":18,"start":1392.6449,"end":1404.43},{"sentences":[{"text":"Other assets I try to note down are things like content.","start":1405.29,"end":1408.17,"sentiment":"neutral","sentiment_score":0.17427025667645715},{"text":"I know it looks a bit funny, but content is still technically an asset.","start":1408.17,"end":1412.295,"sentiment":"neutral","sentiment_score":0.03666242478149278},{"text":"If you tip your house upside down and everything fell out, if you had to replace all those items, it could cost quite a bit.","start":1412.295,"end":1418.795,"sentiment":"neutral","sentiment_score":-0.24663089573383332},{"text":"Do you have content insurance on your property?","start":1419.335,"end":1421.835,"sentiment":"neutral","sentiment_score":-0.006124430801719427},{"text":"Yeah.","start":1424.4,"end":1424.72,"sentiment":"neutral","sentiment_score":0.03354924917221069}],"sentiment":"neutral","sentiment_score":-0.06357579356280424,"num_words":59,"start":1405.29,"end":1424.72},{"sentences":[{"text":"What do you have your contents valued at on your insurance policy?","start":1424.72,"end":1427.86,"sentiment":"neutral","sentiment_score":0.026720865008731682},{"text":"35?","start":1432.72,"end":1433.44,"sentiment":"neutral","sentiment_score":0.007371770218014717},{"text":"Yep.","start":1433.44,"end":1433.9199,"sentiment":"neutral","sentiment_score":0.09729286283254623},{"text":"Beautiful.","start":1433.9199,"end":1434.4199,"sentiment":"positive","sentiment_score":0.4095808863639831},{"text":"And do you have any other shares or collections or tools of trade or cars, boats, or caravans you put value on?","start":1435.6849,"end":1443.545,"sentiment":"neutral","sentiment_score":0.07709831862964413}],"sentiment":"neutral","sentiment_score":0.06840699755058095,"num_words":37,"start":1424.72,"end":1443.545},{"sentences":[{"text":"Nope.","start":1445.765,"end":1446.085,"sentiment":"neutral","sentiment_score":-0.07450048625469208},{"text":"That's okay.","start":1446.085,"end":1446.985,"sentiment":"neutral","sentiment_score":0.0294597540050745},{"text":"The other thing to look at is now I believe a couple of years back, we had it noted that you had a Sunsuper account, and that also has some insurances in it.","start":1448.16,"end":1457.6001,"sentiment":"neutral","sentiment_score":0.015627624184796303},{"text":"Are you aware if you still have that Sunsuper account?","start":1457.6001,"end":1460.5801,"sentiment":"neutral","sentiment_score":0.022172882035374642},{"text":"You do?","start":1463.075,"end":1463.5549,"sentiment":"neutral","sentiment_score":0.11263316497206688}],"sentiment":"neutral","sentiment_score":0.019731786878158648,"num_words":48,"start":1445.765,"end":1463.5549},{"sentences":[{"text":"Because I can see your there are contributions coming into Hub twenty four as well.","start":1463.5549,"end":1469.815,"sentiment":"neutral","sentiment_score":0.16747234364350636},{"text":"So I just wanna make sure that we do that you do still have that account, what the insurances look like for you.","start":1469.875,"end":1477.68,"sentiment":"neutral","sentiment_score":0.1402180078236953},{"text":"Back when we last spoke to your insurance level within that sunsuit, it was about 83,000 of life and TBD.","start":1478.54,"end":1484.7201,"sentiment":"neutral","sentiment_score":-0.005681889085099101},{"text":"I would need to do some research to find out what the insurance levels are now.","start":1484.9401,"end":1488.7201,"sentiment":"neutral","sentiment_score":-0.05202037561684847},{"text":"But when you think about insurances versus your super because they are paid out of your super, is keeping those insurances still important to you until you kinda hit those retirement years, or what's the thoughts around your insurance aspect at the moment?","start":1490.045,"end":1504.77,"sentiment":"neutral","sentiment_score":-0.023690617188464765}],"sentiment":"neutral","sentiment_score":0.03224306840959013,"num_words":117,"start":1463.5549,"end":1504.77},{"sentences":[{"text":"Mhmm.","start":1504.77,"end":1505.27,"sentiment":"neutral","sentiment_score":-0.04379722476005554},{"text":"Mhmm.","start":1510.7776,"end":1511.2776,"sentiment":"neutral","sentiment_score":-0.06340129673480988},{"text":"Yeah.","start":1530.225,"end":1530.725,"sentiment":"neutral","sentiment_score":0.038359347730875015},{"text":"That makes sense.","start":1531.265,"end":1532.25,"sentiment":"neutral","sentiment_score":0.04580219524602095},{"text":"Yeah.","start":1532.65,"end":1533.15,"sentiment":"neutral","sentiment_score":-0.013459401205182076}],"sentiment":"neutral","sentiment_score":0.00787257296698434,"num_words":7,"start":1504.77,"end":1533.15},{"sentences":[{"text":"Yep.","start":1536.09,"end":1536.59,"sentiment":"neutral","sentiment_score":0.05157531425356865},{"text":"Okay.","start":1544.57,"end":1545.015,"sentiment":"neutral","sentiment_score":0.03372684493660927},{"text":"Yeah.","start":1551.415,"end":1551.915,"sentiment":"neutral","sentiment_score":-0.00870184600353241},{"text":"I yeah.","start":1552.055,"end":1553.895,"sentiment":"neutral","sentiment_score":0.001950439065694808},{"text":"Are you able to not in right now.","start":1553.895,"end":1555.735,"sentiment":"neutral","sentiment_score":-0.013681375421583652}],"sentiment":"neutral","sentiment_score":-0.002226908619587238,"num_words":13,"start":1536.09,"end":1555.735},{"sentences":[{"text":"I can sort of follow-up on a bit later if you're able to.","start":1555.735,"end":1558.215,"sentiment":"neutral","sentiment_score":0.04361604297390351},{"text":"Just obtain a bit of a statement for us there just so we can double check the balance you have in the account.","start":1558.215,"end":1565.11,"sentiment":"neutral","sentiment_score":0.09974810562056044},{"text":"We can check the investments, make sure everything's working harder for you, and check the insurance levels as well to make sure you're holding those covers a little bit longer.","start":1565.11,"end":1573.61,"sentiment":"neutral","sentiment_score":0.0643901240080595},{"text":"Yep.","start":1575.915,"end":1576.3151,"sentiment":"neutral","sentiment_score":0.13839074969291687},{"text":"Beautiful.","start":1576.3151,"end":1576.795,"sentiment":"positive","sentiment_score":0.677299976348877}],"sentiment":"neutral","sentiment_score":0.08247955050319433,"num_words":68,"start":1555.735,"end":1576.795},{"sentences":[{"text":"I'll get my admin team member to sort of follow-up on that with you if that's okay.","start":1576.795,"end":1580.655,"sentiment":"positive","sentiment_score":0.3442653329933391},{"text":"Yep.","start":1583.755,"end":1584.255,"sentiment":"neutral","sentiment_score":0.03877990692853928},{"text":"We're trying to trust.","start":1587.89,"end":1589.01,"sentiment":"neutral","sentiment_score":0.04188852943480015},{"text":"Yeah.","start":1589.01,"end":1589.51,"sentiment":"neutral","sentiment_score":0.00008621253073215485},{"text":"Yeah.","start":1591.1699,"end":1591.6699,"sentiment":"neutral","sentiment_score":-0.005252618342638016}],"sentiment":"neutral","sentiment_score":0.2522365949892749,"num_words":24,"start":1576.795,"end":1591.6699},{"sentences":[{"text":"All these super funds are getting bought out by each other.","start":1593.09,"end":1595.83,"sentiment":"neutral","sentiment_score":-0.042745218188925224},{"text":"For AARP fund.","start":1599.33,"end":1600.71,"sentiment":"neutral","sentiment_score":0.10996354557573795},{"text":"Yeah.","start":1601.875,"end":1602.115,"sentiment":"neutral","sentiment_score":0.007098671048879623},{"text":"No.","start":1602.115,"end":1602.4349,"sentiment":"neutral","sentiment_score":-0.03607669472694397},{"text":"That's okay.","start":1602.4349,"end":1603.155,"sentiment":"neutral","sentiment_score":0.006843034876510501}],"sentiment":"neutral","sentiment_score":-0.008644373182000386,"num_words":18,"start":1593.09,"end":1603.155},{"sentences":[{"text":"I'll get my call my admin team member, Michelle, to sorry.","start":1603.155,"end":1606.195,"sentiment":"neutral","sentiment_score":0.013667181811549446},{"text":"Samantha to follow-up on that for you just to obtain that.","start":1606.195,"end":1609.1749,"sentiment":"neutral","sentiment_score":0.030199056829918514},{"text":"You had life and TBD in there.","start":1610.035,"end":1612.4349,"sentiment":"neutral","sentiment_score":-0.004546206843640123},{"text":"Do you understand what life and TBD are, how they work, and what they pay out, essentially?","start":1612.4349,"end":1616.035,"sentiment":"neutral","sentiment_score":-0.012157254742787164},{"text":"No.","start":1616.035,"end":1616.115,"sentiment":"neutral","sentiment_score":-0.13570542633533478}],"sentiment":"neutral","sentiment_score":0.0023048174508074498,"num_words":47,"start":1603.155,"end":1616.115},{"sentences":[{"text":"That's essentially?","start":1616.115,"end":1620.51,"sentiment":"neutral","sentiment_score":-0.10501405969262122},{"text":"No.","start":1620.6499,"end":1620.8899,"sentiment":"neutral","sentiment_score":-0.16245099902153015},{"text":"That's okay.","start":1620.8899,"end":1621.61,"sentiment":"neutral","sentiment_score":-0.06951336562633514},{"text":"So to give you just a quick rundown, life cover pays out a lump sum benefit to your beneficiaries if you were to pass away.","start":1621.61,"end":1628.19,"sentiment":"neutral","sentiment_score":-0.06968622282147408},{"text":"I'll obviously just go back and double check the level of cover that do have.","start":1628.8099,"end":1632.665,"sentiment":"neutral","sentiment_score":-0.028012539116510502}],"sentiment":"neutral","sentiment_score":-0.059418877932087825,"num_words":45,"start":1616.115,"end":1632.665},{"sentences":[{"text":"But based on, say, 83,000 of life cover, and if you were to then pass away, your super balance is also paid at your beneficiary.","start":1632.9651,"end":1640.8251,"sentiment":"neutral","sentiment_score":-0.04959979012608528},{"text":"So am I right in assuming your beneficiary should be your partner?","start":1641.365,"end":1645.8451,"sentiment":"neutral","sentiment_score":0.004982151401539643},{"text":"Is that right?","start":1645.8451,"end":1646.745,"sentiment":"neutral","sentiment_score":0.035688817501068115},{"text":"I've got Renee.","start":1646.805,"end":1647.785,"sentiment":"neutral","sentiment_score":0.02133777303000291},{"text":"Yep.","start":1649.1,"end":1649.6,"sentiment":"neutral","sentiment_score":0.33105605840682983}],"sentiment":"neutral","sentiment_score":-0.015410752416673031,"num_words":44,"start":1632.9651,"end":1649.6},{"sentences":[{"text":"Beautiful.","start":1649.66,"end":1650.16,"sentiment":"positive","sentiment_score":0.6775718331336975},{"text":"Yep.","start":1650.62,"end":1651.02,"sentiment":"positive","sentiment_score":0.43336939811706543},{"text":"Beautiful.","start":1651.02,"end":1651.52,"sentiment":"positive","sentiment_score":0.7051910161972046},{"text":"I never like to assume, but just like to double check to make sure that's what your wishes are.","start":1651.5801,"end":1656.3201,"sentiment":"neutral","sentiment_score":0.22248282244330958},{"text":"But if we sort of have a look at that, so based on a life cover of 83,000 plus a 192,095 of super paid out there for you, $0.09 5, it essentially means that she could get a lump sum benefit of 275,095 that could pay out the mortgage owing a 160,000 and then still leave her with some additional income or additional funds to sorta help around about a 115,000, give or take, to help look after the kids and, you know, move forward a little bit.","start":1657.42,"end":1693.225,"sentiment":"neutral","sentiment_score":0.2829841426150365}],"sentiment":"neutral","sentiment_score":0.281326458399946,"num_words":110,"start":1649.66,"end":1693.225},{"sentences":[{"text":"Do you feel like that's sufficient?","start":1693.225,"end":1694.765,"sentiment":"neutral","sentiment_score":0.1557693195839723},{"text":"Yep.","start":1699.3049,"end":1699.705,"sentiment":"neutral","sentiment_score":0.16505657136440277},{"text":"Yep.","start":1699.705,"end":1700.205,"sentiment":"neutral","sentiment_score":0.14375486969947815},{"text":"Yep.","start":1701.065,"end":1701.465,"sentiment":"neutral","sentiment_score":0.1718677282333374},{"text":"That's okay.","start":1701.465,"end":1702.285,"sentiment":"neutral","sentiment_score":0.30689680576324463}],"sentiment":"neutral","sentiment_score":0.1844626089388674,"num_words":11,"start":1693.225,"end":1702.285},{"sentences":[{"text":"The same thing with TPD.","start":1703.065,"end":1704.4199,"sentiment":"neutral","sentiment_score":0.19128384590148925},{"text":"So TPD or total permanent disability pays out either a lump sum disability benefit or an income stream if in the event that you were unable to ever go back to work again due to permanent disability.","start":1704.4199,"end":1716.7599,"sentiment":"neutral","sentiment_score":0.16370883604159225},{"text":"And, essentially, the benefit amount you're covered for is the same as life because we can also claim on your super.","start":1717.455,"end":1723.475,"sentiment":"positive","sentiment_score":0.35592875594184514},{"text":"So you can have the CBD benefit paid out as well as your super.","start":1723.695,"end":1728.115,"sentiment":"positive","sentiment_score":0.3493379056453705},{"text":"So, again, it gives you about 275,000 there.","start":1728.4149,"end":1732.13,"sentiment":"neutral","sentiment_score":0.28751471638679504}],"sentiment":"neutral","sentiment_score":0.25504704056417243,"num_words":85,"start":1703.065,"end":1732.13},{"sentences":[{"text":"The one thing I do like to bring up, because not many people are aware that if you claim CBD and you're under the age of 60, unfortunately, the government does deduct tax on that amount.","start":1732.67,"end":1745.355,"sentiment":"neutral","sentiment_score":0.029266980787118275},{"text":"It's up to 22%.","start":1745.595,"end":1747.2949,"sentiment":"neutral","sentiment_score":0.09371104277670383},{"text":"So on, say, 275,000, 22% tax could be $60.","start":1747.755,"end":1753.455,"sentiment":"neutral","sentiment_score":0.051304333532849945},{"text":"That essentially means that the benefit could roughly be at the highest tax rate about 215,000, which realistically would still pay off the mortgage, leaving you debt free, and then you could have roughly about 55,000 left over.","start":1756.475,"end":1774.395,"sentiment":"neutral","sentiment_score":0.29283002528705093},{"text":"It's not a huge amount.","start":1774.455,"end":1775.915,"sentiment":"neutral","sentiment_score":0.15563664883375167}],"sentiment":"neutral","sentiment_score":0.1499556378947328,"num_words":92,"start":1732.67,"end":1775.915},{"sentences":[{"text":"And, obviously, the older you get, the the more expensive insurances do become, which is partly why we would have kept that funds through the insurances in place.","start":1776.375,"end":1785.115,"sentiment":"neutral","sentiment_score":-0.003990090452134609},{"text":"But, yeah, it's brought us about what's important to you, whether that level of cover is sufficient or whether you think you might need more cover, and we go out there and try to find that for you.","start":1786.4099,"end":1796.0299,"sentiment":"neutral","sentiment_score":0.08153928179097802},{"text":"What is how do you feel about that at the moment?","start":1796.33,"end":1799.8251,"sentiment":"neutral","sentiment_score":0.013139453123916279},{"text":"No.","start":1813.5199,"end":1814.0199,"sentiment":"neutral","sentiment_score":-0.28116899728775024},{"text":"Definitely not.","start":1814.3999,"end":1815.2799,"sentiment":"neutral","sentiment_score":-0.3011123985052109}],"sentiment":"neutral","sentiment_score":0.02809887956827879,"num_words":80,"start":1776.375,"end":1815.2799},{"sentences":[{"text":"Definitely not.","start":1815.2799,"end":1816.4199,"sentiment":"neutral","sentiment_score":-0.23411957919597626},{"text":"That's okay.","start":1823.2,"end":1824.0,"sentiment":"neutral","sentiment_score":-0.003548387438058853},{"text":"The other side of that is that because you are only three years away from 60, so long as you didn't need to claim on TBD after 60, the TBD benefit is fully tax free.","start":1824.0,"end":1834.775,"sentiment":"neutral","sentiment_score":0.14378824606537818},{"text":"There's no tax paid on TBD when you claim after the age of 60.","start":1834.775,"end":1838.615,"sentiment":"neutral","sentiment_score":0.15700067952275276},{"text":"So there is that benefit and option.","start":1838.615,"end":1840.715,"sentiment":"neutral","sentiment_score":0.16049662871020182}],"sentiment":"neutral","sentiment_score":0.13131230988850195,"num_words":60,"start":1815.2799,"end":1840.715},{"sentences":[{"text":"I mean, the biggest thing with insurance is is looking at making sure you've got the level of cover that suits your goal.","start":1842.7899,"end":1848.25,"sentiment":"neutral","sentiment_score":0.15823738795259726},{"text":"But, also, when it is paid out of super, it also affects how much you end up within retirement because you the premiums are coming out of your super fund.","start":1848.95,"end":1856.415,"sentiment":"neutral","sentiment_score":-0.008535165215531985},{"text":"So it's kind of a juggling act.","start":1856.655,"end":1859.2151,"sentiment":"neutral","sentiment_score":-0.12125515192747116},{"text":"I will try to get the we'll get the statement.","start":1859.2151,"end":1862.415,"sentiment":"neutral","sentiment_score":0.014223814010620117},{"text":"And then if you want, I can come back and have a secondary conversation with you about what the insurance levels are, what that looks like, and what you need.","start":1862.415,"end":1870.735,"sentiment":"neutral","sentiment_score":0.05586141956349214}],"sentiment":"neutral","sentiment_score":0.04352699629962444,"num_words":100,"start":1842.7899,"end":1870.735},{"sentences":[{"text":"Does that sound alright?","start":1870.735,"end":1871.875,"sentiment":"neutral","sentiment_score":0.042825629003345966},{"text":"Yep.","start":1874.4701,"end":1874.79,"sentiment":"neutral","sentiment_score":0.04246088117361069},{"text":"Yep.","start":1874.79,"end":1875.11,"sentiment":"neutral","sentiment_score":0.09884971380233765},{"text":"Beautiful.","start":1875.11,"end":1875.61,"sentiment":"neutral","sentiment_score":0.33182740211486816},{"text":"You don't have any kind of income protection or trauma benefits.","start":1876.23,"end":1879.53,"sentiment":"neutral","sentiment_score":-0.03836737302216617}],"sentiment":"neutral","sentiment_score":0.012355522770020697,"num_words":18,"start":1870.735,"end":1879.53},{"sentences":[{"text":"The income protection, if you did have it, essentially covers or pays out a a monthly benefit if you're awkward due to illness or injury.","start":1879.5901,"end":1887.29,"sentiment":"neutral","sentiment_score":-0.013883962035179139},{"text":"Do you have much in the way of sick leave, annual leave, long service leave that you might be able to use if you were unable to go to work in the short term?","start":1887.845,"end":1895.0651,"sentiment":"neutral","sentiment_score":-0.02900429826010676},{"text":"Yeah.","start":1902.12,"end":1902.4401,"sentiment":"neutral","sentiment_score":0.09326466172933578},{"text":"Beautiful.","start":1902.4401,"end":1902.9401,"sentiment":"neutral","sentiment_score":0.30997729301452637},{"text":"So income protection wouldn't be a problem.","start":1903.16,"end":1905.48,"sentiment":"neutral","sentiment_score":0.18887493865830557}],"sentiment":"neutral","sentiment_score":0.005766490200424895,"num_words":68,"start":1879.5901,"end":1905.48},{"sentences":[{"text":"You if you weren't working, you've got plenty of things to fall back on to cover your income?","start":1905.48,"end":1909.8201,"sentiment":"neutral","sentiment_score":0.07388523283104102},{"text":"Yeah.","start":1912.2001,"end":1912.68,"sentiment":"neutral","sentiment_score":0.18927717208862305},{"text":"Beautiful.","start":1912.68,"end":1913.18,"sentiment":"positive","sentiment_score":0.4705411493778229},{"text":"Excellent.","start":1914.425,"end":1914.925,"sentiment":"neutral","sentiment_score":0.2336740344762802},{"text":"Now the other type of personal insurance that we can obtain if you wanted to is trauma.","start":1915.465,"end":1920.285,"sentiment":"neutral","sentiment_score":0.01963487804374274}],"sentiment":"neutral","sentiment_score":0.06729524930644977,"num_words":38,"start":1905.48,"end":1920.285},{"sentences":[{"text":"Trauma tends to pay out like a lump sum tax free benefit if you say have a heart attack, a stroke.","start":1920.745,"end":1926.205,"sentiment":"neutral","sentiment_score":0.03958374856128579},{"text":"Cancer's probably a big one.","start":1927.35,"end":1928.9501,"sentiment":"neutral","sentiment_score":-0.03683591894805431},{"text":"Parkinson's, other neurological conditions, they're major traumatic events.","start":1928.9501,"end":1933.29,"sentiment":"neutral","sentiment_score":-0.020181082960334606},{"text":"Did you wanna look at maybe getting some sort of trauma cover, or you're happy just with the the level of cover you have in some place at the moment, keeping the insurance cost low.","start":1934.23,"end":1943.4451,"sentiment":"neutral","sentiment_score":0.13061891262020384},{"text":"What's your thought?","start":1943.4451,"end":1944.425,"sentiment":"neutral","sentiment_score":-0.002924888084332148}],"sentiment":"neutral","sentiment_score":0.07011830192803042,"num_words":72,"start":1920.745,"end":1944.425},{"sentences":[{"text":"Yep.","start":1948.5651,"end":1949.0651,"sentiment":"neutral","sentiment_score":0.21205900609493256},{"text":"Beautiful.","start":1949.125,"end":1949.625,"sentiment":"positive","sentiment_score":0.5560151934623718},{"text":"Excellent.","start":1951.045,"end":1951.545,"sentiment":"positive","sentiment_score":0.5983611345291138},{"text":"So what I'll do is once we do get a a statement from you, I'll just make a time to come back and have a quick conversation around the insurance levels that you've got.","start":1951.765,"end":1961.3401,"sentiment":"neutral","sentiment_score":0.3064410997664227},{"text":"We can talk about what your goals are with insurance and just make sure you're comfortable with the level of cover that you do hold.","start":1961.4,"end":1967.02,"sentiment":"neutral","sentiment_score":0.26809511125087737}],"sentiment":"neutral","sentiment_score":0.29819049205510845,"num_words":62,"start":1948.5651,"end":1967.02},{"sentences":[{"text":"Okay?","start":1967.16,"end":1967.66,"sentiment":"neutral","sentiment_score":0.17929592728614807},{"text":"Beautiful.","start":1970.505,"end":1971.005,"sentiment":"positive","sentiment_score":0.5719183087348938},{"text":"Excellent.","start":1973.0651,"end":1973.5651,"sentiment":"positive","sentiment_score":0.5250148177146912},{"text":"And the other thing with the estate planning side of things is have yourself, your partner, Renee, ever sort of looked at getting a power of attorney or drawing a will or anything like that?","start":1974.025,"end":1983.625,"sentiment":"neutral","sentiment_score":0.12418143578938075},{"text":"Have you guys talked about that in the past?","start":1983.625,"end":1985.79,"sentiment":"neutral","sentiment_score":0.03169593773782253}],"sentiment":"neutral","sentiment_score":0.12569878182988217,"num_words":47,"start":1967.16,"end":1985.79},{"sentences":[{"text":"Yep.","start":1989.63,"end":1990.13,"sentiment":"neutral","sentiment_score":0.05320330709218979},{"text":"Yep.","start":1996.03,"end":1996.53,"sentiment":"neutral","sentiment_score":0.014024727046489716},{"text":"Yep.","start":1999.0701,"end":1999.5701,"sentiment":"neutral","sentiment_score":0.022764280438423157},{"text":"Yep.","start":2006.865,"end":2007.365,"sentiment":"neutral","sentiment_score":0.02031669206917286},{"text":"No.","start":2007.5851,"end":2007.8251,"sentiment":"neutral","sentiment_score":-0.04638775438070297}],"sentiment":"neutral","sentiment_score":0.01278425045311451,"num_words":5,"start":1989.63,"end":2007.8251},{"sentences":[{"text":"That's okay.","start":2007.8251,"end":2008.7251,"sentiment":"neutral","sentiment_score":0.03184791933745146},{"text":"All good.","start":2008.9451,"end":2009.665,"sentiment":"neutral","sentiment_score":0.2328549027442932},{"text":"So it is definitely something to do.","start":2009.665,"end":2011.665,"sentiment":"neutral","sentiment_score":0.11893893139702934},{"text":"We, unfortunately, as advisers, don't do it.","start":2011.665,"end":2013.745,"sentiment":"neutral","sentiment_score":-0.1583218766110284},{"text":"We do send you or a phase with solicitor to do so.","start":2013.745,"end":2016.91,"sentiment":"neutral","sentiment_score":-0.0398524741952618}],"sentiment":"neutral","sentiment_score":-0.007483488755921522,"num_words":30,"start":2007.8251,"end":2016.91},{"sentences":[{"text":"There are other options, though, if you you know, you can use, like, a will kit from the post office if you prefer to to make it cheaper and easier, or you can through all the states and territories.","start":2017.37,"end":2027.21,"sentiment":"neutral","sentiment_score":0.06652959971091686},{"text":"They do have, like, a state trustee, which is a government agency, and they can help to organize wills pretty cheaply as well.","start":2027.21,"end":2034.355,"sentiment":"neutral","sentiment_score":0.15918498453886612},{"text":"So if you just Google the Queensland trustee, and they can sort of help to put you in touch and do a will nice and cheap.","start":2034.355,"end":2040.755,"sentiment":"positive","sentiment_score":0.3547735924904163},{"text":"But doing a will and power of attorney is extremely important, especially where there are, you know, past family members and kids involved and things like that.","start":2040.755,"end":2049.74,"sentiment":"neutral","sentiment_score":0.2658351610104243},{"text":"Just making sure that everything is, you know, as per your wishes in the event that something happens to you, because passing in tax state down the track means that other people can come forward and make a claim on your estate, and then a judge gets to decide where that money goes to.","start":2049.74,"end":2065.0752,"sentiment":"neutral","sentiment_score":0.31852724927443044}],"sentiment":"neutral","sentiment_score":0.23584640973947457,"num_words":169,"start":2017.37,"end":2065.0752},{"sentences":[{"text":"Yeah.","start":2069.935,"end":2070.175,"sentiment":"neutral","sentiment_score":0.05404068902134895},{"text":"You're right.","start":2070.175,"end":2070.915,"sentiment":"neutral","sentiment_score":0.04928538389503956},{"text":"No.","start":2136.265,"end":2136.505,"sentiment":"neutral","sentiment_score":0.002419549971818924},{"text":"You're fine.","start":2136.505,"end":2137.145,"sentiment":"neutral","sentiment_score":0.09633313119411469},{"text":"All good.","start":2137.145,"end":2137.885,"sentiment":"neutral","sentiment_score":0.28724077343940735}],"sentiment":"neutral","sentiment_score":0.11527235200628638,"num_words":8,"start":2069.935,"end":2137.885},{"sentences":[{"text":"Yeah.","start":2138.025,"end":2138.425,"sentiment":"neutral","sentiment_score":0.2884916067123413},{"text":"This is on letting you know that the the local government trustees do also set up rules nice and cheap for you as well.","start":2138.425,"end":2144.265,"sentiment":"positive","sentiment_score":0.42887725308537483},{"text":"And if you just Google the Queensland trustee, it can come up with, you know, how how they can help you.","start":2144.265,"end":2149.94,"sentiment":"positive","sentiment_score":0.3502288858095805},{"text":"They do them over the phone and things like that as well just to sort of make sure that everything's protected for you.","start":2149.94,"end":2154.92,"sentiment":"neutral","sentiment_score":0.2962792431530745},{"text":"Oh, just gonna just gonna fill it out.","start":2159.22,"end":2161.775,"sentiment":"neutral","sentiment_score":0.15214563347399235}],"sentiment":"positive","sentiment_score":0.33724597328669065,"num_words":77,"start":2138.025,"end":2161.775},{"sentences":[{"text":"Yeah.","start":2165.355,"end":2165.855,"sentiment":"neutral","sentiment_score":0.17257174849510193},{"text":"Well, I always sort of suggest make yourself a cup of tea or a coffee or whatever your poison is and have a seat and yeah.","start":2166.155,"end":2173.29,"sentiment":"neutral","sentiment_score":0.2315951339327372},{"text":"Just go through step by step and think about what it is that you want to happen to all of the assets.","start":2173.37,"end":2178.03,"sentiment":"neutral","sentiment_score":0.21709285913543266},{"text":"Yeah.","start":2178.57,"end":2179.07,"sentiment":"neutral","sentiment_score":0.10387327522039412},{"text":"All good.","start":2180.6501,"end":2181.47,"sentiment":"positive","sentiment_score":0.7421905100345612}],"sentiment":"neutral","sentiment_score":0.2415065851349097,"num_words":52,"start":2165.355,"end":2181.47},{"sentences":[{"text":"Easy.","start":2182.33,"end":2182.83,"sentiment":"positive","sentiment_score":0.5639292001724243},{"text":"So I basically gone through just to kind of recap.","start":2183.53,"end":2186.25,"sentiment":"neutral","sentiment_score":0.2245837613940239},{"text":"I'll look at your space, I'll look at the investments, look at the projecting things forward for you to see what this looks like and where we can make some updates for you.","start":2186.25,"end":2193.845,"sentiment":"neutral","sentiment_score":0.2634213205539819},{"text":"We're not soaking in any additional salary sacrifice.","start":2194.2249,"end":2197.2048,"sentiment":"neutral","sentiment_score":-0.035218886099755764},{"text":"I'll just be able to try and obtain a statement for Sunsuper from you to look at your insurance level.","start":2197.345,"end":2203.125,"sentiment":"neutral","sentiment_score":0.30640808343887327}],"sentiment":"neutral","sentiment_score":0.24095945794963175,"num_words":72,"start":2182.33,"end":2203.125},{"sentences":[{"text":"I'll come back and have a conversation with you around those once we obtain it so we can find out a bit more about what your goals are and whether we go and look at additional cover for you.","start":2203.8098,"end":2213.91,"sentiment":"neutral","sentiment_score":0.25974588019725603},{"text":"And other than that, everything else looks like it's pretty well covered for the moment.","start":2215.0898,"end":2221.7349,"sentiment":"neutral","sentiment_score":0.3152826478083928},{"text":"Do you have any questions?","start":2222.275,"end":2223.555,"sentiment":"neutral","sentiment_score":0.09214833080768585},{"text":"I'm sorry.","start":2223.555,"end":2223.9548,"sentiment":"neutral","sentiment_score":-0.0516708567738533},{"text":"I know I touched on quite a lot of bits and pieces, but do you have any questions for me at the moment?","start":2223.9548,"end":2228.295,"sentiment":"neutral","sentiment_score":-0.035783266972588455}],"sentiment":"neutral","sentiment_score":0.17135373624928651,"num_words":84,"start":2203.8098,"end":2228.295},{"sentences":[{"text":"No.","start":2232.01,"end":2232.33,"sentiment":"neutral","sentiment_score":-0.22882725298404696},{"text":"Beautiful.","start":2232.33,"end":2232.83,"sentiment":"neutral","sentiment_score":0.2040538489818573},{"text":"Well, I will let you go.","start":2232.9702,"end":2234.33,"sentiment":"positive","sentiment_score":0.3907245049873988},{"text":"I thank you so much for your time today.","start":2234.33,"end":2236.51,"sentiment":"positive","sentiment_score":0.7098918755849203},{"text":"I'll get my colleague, Samantha, to follow-up on the sun super statement, and then we'll come back and just follow-up with additional conversation around the insurance level for you.","start":2236.81,"end":2245.065,"sentiment":"neutral","sentiment_score":0.30775013874317036}],"sentiment":"positive","sentiment_score":0.3833337941247484,"num_words":46,"start":2232.01,"end":2245.065},{"sentences":[{"text":"Okay?","start":2248.025,"end":2248.525,"sentiment":"positive","sentiment_score":0.35387444496154785},{"text":"Easy.","start":2248.665,"end":2248.9849,"sentiment":"positive","sentiment_score":0.6197457313537598},{"text":"Well, I will let you go, Kate.","start":2248.9849,"end":2250.685,"sentiment":"positive","sentiment_score":0.43039275067193167},{"text":"No.","start":2251.065,"end":2251.385,"sentiment":"neutral","sentiment_score":0.09875036031007768},{"text":"Thank you for yours.","start":2251.385,"end":2252.425,"sentiment":"positive","sentiment_score":0.5810400247573853}],"sentiment":"positive","sentiment_score":0.45780570645417484,"num_words":14,"start":2248.025,"end":2252.425},{"sentences":[{"text":"You have a good day.","start":2252.425,"end":2253.7249,"sentiment":"positive","sentiment_score":0.6712995648384095},{"text":"See you later until soon.","start":2257.145,"end":2258.585,"sentiment":"neutral","sentiment_score":0.24350694417953492},{"text":"Bye.","start":2258.585,"end":2259.085,"sentiment":"neutral","sentiment_score":0.16231012344360352}],"sentiment":"positive","sentiment_score":0.4305766062303023,"num_words":11,"start":2252.425,"end":2259.085}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Yeah. No. That's fine. It's Thomas Peter Walton. Four from the first sixty nine. Address, Street, Tara, Queensland, 4421. Alright. I am. I only just got here. To my emails now. No. I should be able to. Oh, Diana Tyler. Yeah. Yes. I have, actually. So sign document. Yes. It doesn't. Yep. Mighty. Still riding. Alright. Well, it says now that it's signed. So go back to the sign request. I've got three, four, six, seven. Super summary. Yeah. When you said I was still under the $200,000 mark, what's going on with the lowest plan there? No. Yeah. Good. No. Yep. Yeah. Good. No. Yeah. Yes, ma'am. Well, I was just gonna stick with whatever is going at the moment, which I can't retire until I'm six seven. Is that right? Yeah. No. I do not have any more questions. Well, I'm a I'd like to say that I would like to keep working, but it's just a matter of whether I can or not physically, so to speak. But I'll yeah. I'll probably just keep working until I can. Yeah. That's fine. Yeah. That'd be fine. Yeah. Now I have an expert, to to be honest. Well, at the moment, I'm sort of living on 800 a week. Yeah. It yeah. It is. Doesn't leave much flavor in, but that's just with all my bills and shit like it. Yes. I do. Probably still have a little bit of it. I'm hoping not. Probably the 900 wiggle room. Yes. It is incorrect. She does work. Yeah. She sort of covers, like, her bills. Not just her bills, but other bills. Not really. No. No. She's a lot younger than me. She'll probably keep working once I retire. Yeah. No. I could not say. She's she's full time casual. So and because of the kids have sport a lot, she like, she just took five days off work to do that. Yeah. Yep. That seems good. I'm not really sure. Yeah. Probably just keep it going, hope it comes back. Yeah. I think. Probably go a little bit higher in the wrist. Would this? Probably more cautious than not. Probably. Yeah. I haven't thought of it. No. Like I said, I'm a bit of a worker. I've been working all my life, so I'll probably keep working until I can't. Just hands up. Oh, I am. Yes. Not right now. No. No. I arranged down towards expenses. I've actually been watching that. It's $3.71 now. No. I had to redraw on that. I think that was 160. Yes. That's correct. Yes. It would. Yes. Yes. I do. Only insurance, I think it was 35. No. Yes. I do. The reason being we kept like, you guys and myself have kept the super the Sunsuper account was because you we couldn't find a life insurance cheap enough, and the Sunsuper had life insurance in it. So that's why we kept that money in there. And I was adding, yeah, I was adding to it for a little while. I think I'm still yeah. I still have that account for the life insurance, which is yeah. Like you said, it's only $8,083,000 last time I looked. I'd have to double check on that one. Yep. Yeah. Oh, that there you go. That's fine. I actually think Sunsuper has changed their name to Australian. Yeah. So yeah. So I'd love to go that way. No. I don't really. Yes. Retinigo Crescents. Yep. For now, yes. I do. Okay. Yeah. Yeah. No. I think well, I'm I'm not looking at being a cripple anytime soon. Yeah. I'm not sure. Yes. Yep. No. That seems fine. Yes. I have ample sick leave, and I've got holiday, I have miss leave. Things like that. Yes. No. I don't think I'm comfortable with what I have at the moment. Yeah. We have talked about it. Yes. I I yeah. I do need to put a will in place after my ex wife. Yeah. We we still need to do that. Yep. Just hang on a sec, Dana. Where do you wanna go? Oh, I'll see you on the phone. Alright, man. This one? To the roller doors. Oh, you can take this one. Plugged into you. It can shut off for a little while. Alright. Just don't open it. That's fine. But, yeah, just how long you need it for? I didn't zap you. Didn't zap me. Thanks, fuck. But I don't wanna use it. See that even You got another leak? Yep. I'm gonna go and get one from the hardware if I have to. I've got one in your car. Yeah. Sorry, darling. Keep going. Yes. Well, I actually have got a wheel kit at home from the post office, but Yeah. We just need to sit down and, yeah, do it. Yeah. K. Now that's fine. Yep. No. I do not. Righto. Yep. That'll be good. Alright. Thank you very much for your time. Thank you. You too. Talk to you soon. Bye. 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Yes. Yeah. No. That's fine.\n\nIt's Thomas Peter Walton. Four from the first sixty nine. Address, Street, Tara, Queensland, 4421. Alright. I am.\n\nI only just got here. To my emails now. No. I should be able to. Oh, Diana Tyler.\n\nYeah. Yes. I have, actually. So sign document. Yes.\n\nIt doesn't. Yep. Mighty. Still riding. Alright.\n\nWell, it says now that it's signed. So go back to the sign request. I've got three, four, six, seven. Super summary. Yeah.\n\nWhen you said I was still under the $200,000 mark, what's going on with the lowest plan there? No. Yeah. Good. No.\n\nYep. Yeah. Good. No. Yeah.\n\nYes, ma'am. Well, I was just gonna stick with whatever is going at the moment, which I can't retire until I'm six seven. Is that right? Yeah. No.\n\nI do not have any more questions. Well, I'm a I'd like to say that I would like to keep working, but it's just a matter of whether I can or not physically, so to speak. But I'll yeah. I'll probably just keep working until I can. Yeah.\n\nThat's fine. Yeah. That'd be fine. Yeah. Now I have an expert, to to be honest.\n\nWell, at the moment, I'm sort of living on 800 a week. Yeah. It yeah. It is. Doesn't leave much flavor in, but that's just with all my bills and shit like it.\n\nYes. I do. Probably still have a little bit of it. I'm hoping not. Probably the 900 wiggle room.\n\nYes. It is incorrect. She does work. Yeah. She sort of covers, like, her bills.\n\nNot just her bills, but other bills. Not really. No. No. She's a lot younger than me.\n\nShe'll probably keep working once I retire. Yeah. No. I could not say. She's she's full time casual.\n\nSo and because of the kids have sport a lot, she like, she just took five days off work to do that. Yeah. Yep. That seems good. I'm not really sure.\n\nYeah. Probably just keep it going, hope it comes back. Yeah. I think. Probably go a little bit higher in the wrist.\n\nWould this? Probably more cautious than not. Probably. Yeah. I haven't thought of it.\n\nNo. Like I said, I'm a bit of a worker. I've been working all my life, so I'll probably keep working until I can't. Just hands up. Oh, I am.\n\nYes. Not right now. No. No. I arranged down towards expenses.\n\nI've actually been watching that. It's $3.71 now. No. I had to redraw on that. I think that was 160.\n\nYes. That's correct. Yes. It would. Yes.\n\nYes. I do. Only insurance, I think it was 35. No. Yes.\n\nI do. The reason being we kept like, you guys and myself have kept the super the Sunsuper account was because you we couldn't find a life insurance cheap enough, and the Sunsuper had life insurance in it. So that's why we kept that money in there. And I was adding, yeah, I was adding to it for a little while. I think I'm still yeah.\n\nI still have that account for the life insurance, which is yeah. Like you said, it's only $8,083,000 last time I looked. I'd have to double check on that one. Yep. Yeah.\n\nOh, that there you go. That's fine. I actually think Sunsuper has changed their name to Australian. Yeah. So yeah.\n\nSo I'd love to go that way. No. I don't really. Yes. Retinigo Crescents.\n\nYep. For now, yes. I do. Okay. Yeah.\n\nYeah. No. I think well, I'm I'm not looking at being a cripple anytime soon. Yeah. I'm not sure.\n\nYes. Yep. No. That seems fine. Yes.\n\nI have ample sick leave, and I've got holiday, I have miss leave. Things like that. Yes. No. I don't think I'm comfortable with what I have at the moment.\n\nYeah. We have talked about it. Yes. I I yeah. I do need to put a will in place after my ex wife.\n\nYeah. We we still need to do that. Yep. Just hang on a sec, Dana. Where do you wanna go?\n\nOh, I'll see you on the phone. Alright, man. This one? To the roller doors. Oh, you can take this one.\n\nPlugged into you. It can shut off for a little while. Alright. Just don't open it. That's fine.\n\nBut, yeah, just how long you need it for? I didn't zap you. Didn't zap me. Thanks, fuck. But I don't wanna use it.\n\nSee that even You got another leak? Yep. I'm gonna go and get one from the hardware if I have to. I've got one in your car. Yeah.\n\nSorry, darling. Keep going. Yes. Well, I actually have got a wheel kit at home from the post office, but Yeah. We just need to sit down and, yeah, do it.\n\nYeah. K. Now that's fine. Yep. No.\n\nI do not. Righto. Yep. That'll be good. Alright.\n\nThank you very much for your time. Thank you. You too. Talk to you soon. Bye.\n\nWhat's that?","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.03802055120468139},{"text":"Yes.","start":13.855,"end":14.355,"sentiment":"neutral","sentiment_score":0.25822746753692627},{"text":"Yeah.","start":23.935,"end":24.255,"sentiment":"neutral","sentiment_score":0.04341273009777069},{"text":"No.","start":24.255,"end":24.414999,"sentiment":"neutral","sentiment_score":0.04735342785716057},{"text":"That's fine.","start":24.414999,"end":25.154999,"sentiment":"neutral","sentiment_score":0.20049696415662766}],"sentiment":"neutral","sentiment_score":0.13133468416829905,"num_words":6,"start":0.48,"end":25.154999},{"sentences":[{"text":"It's Thomas Peter Walton.","start":33.55,"end":35.25,"sentiment":"neutral","sentiment_score":0.04524744860827923},{"text":"Four from the first sixty nine.","start":35.63,"end":37.489998,"sentiment":"neutral","sentiment_score":0.04754271792868773},{"text":"Address, Street, Tara, 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that.","start":982.49,"end":990.99,"sentiment":"neutral","sentiment_score":0.00041235509243878454},{"text":"Yeah.","start":997.615,"end":998.115,"sentiment":"neutral","sentiment_score":0.06843165308237076},{"text":"Yep.","start":1036.38,"end":1036.62,"sentiment":"neutral","sentiment_score":0.2397182285785675},{"text":"That seems good.","start":1036.62,"end":1043.68,"sentiment":"positive","sentiment_score":0.5192292133967081},{"text":"I'm not really sure.","start":1090.03,"end":1091.25,"sentiment":"neutral","sentiment_score":-0.29077980667352676}],"sentiment":"neutral","sentiment_score":0.022960971199697065,"num_words":31,"start":982.49,"end":1091.25},{"sentences":[{"text":"Yeah.","start":1095.7101,"end":1096.2101,"sentiment":"neutral","sentiment_score":-0.10143376886844636},{"text":"Probably just keep it going, hope it comes back.","start":1098.27,"end":1100.93,"sentiment":"neutral","sentiment_score":-0.018471800204780366},{"text":"Yeah.","start":1152.0901,"end":1152.3301,"sentiment":"neutral","sentiment_score":0.03818284347653389},{"text":"I think.","start":1152.3301,"end":1152.91,"sentiment":"neutral","sentiment_score":0.033854931592941284},{"text":"Probably go a little bit higher in the wrist.","start":1158.81,"end":1161.39,"sentiment":"neutral","sentiment_score":-0.0638266031940778}],"sentiment":"neutral","sentiment_score":-0.03346484967253425,"num_words":22,"start":1095.7101,"end":1161.39},{"sentences":[{"text":"Would this?","start":1161.8501,"end":1162.5901,"sentiment":"neutral","sentiment_score":-0.022932791616767645},{"text":"Probably more cautious than not.","start":1199.9249,"end":1202.025,"sentiment":"neutral","sentiment_score":-0.16409038603305817},{"text":"Probably.","start":1218.635,"end":1219.115,"sentiment":"neutral","sentiment_score":-0.03840694949030876},{"text":"Yeah.","start":1219.115,"end":1219.615,"sentiment":"neutral","sentiment_score":-0.024470029398798943},{"text":"I haven't thought of it.","start":1219.835,"end":1221.455,"sentiment":"neutral","sentiment_score":-0.07521525621414185}],"sentiment":"neutral","sentiment_score":-0.0932336266684745,"num_words":14,"start":1161.8501,"end":1221.455},{"sentences":[{"text":"No.","start":1246.865,"end":1247.105,"sentiment":"neutral","sentiment_score":-0.20546618103981015},{"text":"Like I said, I'm a bit of a worker.","start":1247.105,"end":1249.265,"sentiment":"neutral","sentiment_score":-0.13781944000058705},{"text":"I've been working all my life, so I'll probably keep working until I can't.","start":1249.265,"end":1252.8049,"sentiment":"neutral","sentiment_score":-0.13664112240076065},{"text":"Just hands up.","start":1295.75,"end":1296.73,"sentiment":"neutral","sentiment_score":0.2536618113517761},{"text":"Oh, I am.","start":1311.115,"end":1311.595,"sentiment":"neutral","sentiment_score":0.018818155551950138}],"sentiment":"neutral","sentiment_score":-0.08471256513148546,"num_words":30,"start":1246.865,"end":1311.595},{"sentences":[{"text":"Yes.","start":1311.595,"end":1312.095,"sentiment":"neutral","sentiment_score":0.05372561514377594},{"text":"Not right now.","start":1323.49,"end":1324.61,"sentiment":"neutral","sentiment_score":-0.18587510784467062},{"text":"No.","start":1324.61,"end":1325.11,"sentiment":"neutral","sentiment_score":-0.16978904604911804},{"text":"No.","start":1337.4451,"end":1337.685,"sentiment":"neutral","sentiment_score":-0.12540759146213531},{"text":"I arranged down towards expenses.","start":1337.685,"end":1339.225,"sentiment":"neutral","sentiment_score":-0.085848817974329}],"sentiment":"neutral","sentiment_score":-0.1116673123430122,"num_words":11,"start":1311.595,"end":1339.225},{"sentences":[{"text":"I've actually been watching that.","start":1357.0399,"end":1358.48,"sentiment":"neutral","sentiment_score":0.017587672919034958},{"text":"It's $3.71 now.","start":1358.48,"end":1360.4199,"sentiment":"neutral","sentiment_score":0.03538787985841433},{"text":"No.","start":1367.5851,"end":1367.905,"sentiment":"neutral","sentiment_score":-0.12850478291511536},{"text":"I had to redraw on that.","start":1367.905,"end":1369.685,"sentiment":"neutral","sentiment_score":-0.09155624359846115},{"text":"I think that was 160.","start":1371.905,"end":1375.4451,"sentiment":"neutral","sentiment_score":-0.009168973565101624}],"sentiment":"neutral","sentiment_score":-0.02647925540804863,"num_words":20,"start":1357.0399,"end":1375.4451},{"sentences":[{"text":"Yes.","start":1380.73,"end":1381.05,"sentiment":"neutral","sentiment_score":0.026790710166096687},{"text":"That's correct.","start":1381.05,"end":1381.79,"sentiment":"neutral","sentiment_score":0.03456874191761017},{"text":"Yes.","start":1394.895,"end":1395.395,"sentiment":"neutral","sentiment_score":0.13119783997535706},{"text":"It would.","start":1396.8151,"end":1397.555,"sentiment":"neutral","sentiment_score":0.15490296483039856},{"text":"Yes.","start":1401.855,"end":1402.355,"sentiment":"neutral","sentiment_score":0.10522891581058502}],"sentiment":"neutral","sentiment_score":0.09173726849257946,"num_words":7,"start":1380.73,"end":1402.355},{"sentences":[{"text":"Yes.","start":1422.5801,"end":1422.8201,"sentiment":"neutral","sentiment_score":0.05735466629266739},{"text":"I do.","start":1422.8201,"end":1423.4801,"sentiment":"neutral","sentiment_score":0.08053367584943771},{"text":"Only insurance, I think it was 35.","start":1428.465,"end":1431.365,"sentiment":"neutral","sentiment_score":-0.020269651232021197},{"text":"No.","start":1443.9801,"end":1444.4801,"sentiment":"neutral","sentiment_score":-0.07001501321792603},{"text":"Yes.","start":1460.825,"end":1461.225,"sentiment":"neutral","sentiment_score":0.10362870991230012}],"sentiment":"neutral","sentiment_score":0.009179013005147379,"num_words":12,"start":1422.5801,"end":1461.225},{"sentences":[{"text":"I do.","start":1461.225,"end":1461.885,"sentiment":"neutral","sentiment_score":0.12773382663726807},{"text":"The reason being we kept like, you guys and myself have kept the super the Sunsuper account was because you we couldn't find a life insurance cheap enough, and the Sunsuper had life insurance in it.","start":1506.015,"end":1525.4199,"sentiment":"neutral","sentiment_score":-0.10635999693638748},{"text":"So that's why we kept that money in there.","start":1525.4199,"end":1528.8799,"sentiment":"neutral","sentiment_score":-0.05216905764407582},{"text":"And I was adding, yeah, I was adding to it for a little while.","start":1530.46,"end":1534.72,"sentiment":"neutral","sentiment_score":-0.018169137383145944},{"text":"I think I'm still yeah.","start":1538.425,"end":1541.4651,"sentiment":"neutral","sentiment_score":0.03845073655247688}],"sentiment":"neutral","sentiment_score":-0.06219890902778416,"num_words":66,"start":1461.225,"end":1541.4651},{"sentences":[{"text":"I still have that account for the life insurance, which is yeah.","start":1541.4651,"end":1546.185,"sentiment":"neutral","sentiment_score":0.03540714271366596},{"text":"Like you said, it's only $8,083,000 last time I looked.","start":1546.185,"end":1550.14,"sentiment":"neutral","sentiment_score":-0.01726024877279997},{"text":"I'd have to double check on that one.","start":1550.68,"end":1552.62,"sentiment":"neutral","sentiment_score":-0.01671263319440186},{"text":"Yep.","start":1574.16,"end":1574.66,"sentiment":"neutral","sentiment_score":0.10119622945785522},{"text":"Yeah.","start":1576.24,"end":1576.74,"sentiment":"positive","sentiment_score":0.34571483731269836}],"sentiment":"neutral","sentiment_score":0.01767166331410408,"num_words":32,"start":1541.4651,"end":1576.74},{"sentences":[{"text":"Oh, that there you go.","start":1580.7999,"end":1581.6799,"sentiment":"neutral","sentiment_score":0.11997518837451934},{"text":"That's fine.","start":1581.6799,"end":1582.4199,"sentiment":"neutral","sentiment_score":0.2367796003818512},{"text":"I actually think Sunsuper has changed their name to Australian.","start":1582.72,"end":1586.66,"sentiment":"neutral","sentiment_score":0.03207588288933039},{"text":"Yeah.","start":1593.1549,"end":1593.475,"sentiment":"neutral","sentiment_score":-0.004789384081959724},{"text":"So yeah.","start":1593.475,"end":1597.2549,"sentiment":"neutral","sentiment_score":-0.020016263239085674}],"sentiment":"neutral","sentiment_score":0.0674686030484736,"num_words":20,"start":1580.7999,"end":1597.2549},{"sentences":[{"text":"So I'd love to go that way.","start":1598.6749,"end":1600.695,"sentiment":"neutral","sentiment_score":0.13755314264978682},{"text":"No.","start":1618.505,"end":1618.6649,"sentiment":"neutral","sentiment_score":-0.2170043587684631},{"text":"I don't really.","start":1618.6649,"end":1619.6449,"sentiment":"neutral","sentiment_score":-0.19264868895212808},{"text":"Yes.","start":1647.255,"end":1647.755,"sentiment":"neutral","sentiment_score":0.03097127005457878},{"text":"Retinigo Crescents.","start":1648.375,"end":1649.595,"sentiment":"neutral","sentiment_score":0.01780296303331852}],"sentiment":"neutral","sentiment_score":0.016749912074634006,"num_words":14,"start":1598.6749,"end":1649.595},{"sentences":[{"text":"Yep.","start":1668.98,"end":1669.48,"sentiment":"neutral","sentiment_score":0.21458303928375244},{"text":"For now, yes.","start":1697.0,"end":1698.14,"sentiment":"neutral","sentiment_score":0.20334404210249582},{"text":"I do.","start":1698.6001,"end":1699.5801,"sentiment":"neutral","sentiment_score":0.2840948700904846},{"text":"Okay.","start":1748.005,"end":1748.505,"sentiment":"neutral","sentiment_score":0.02630133740603924},{"text":"Yeah.","start":1754.0499,"end":1754.5499,"sentiment":"neutral","sentiment_score":0.14222043752670288}],"sentiment":"neutral","sentiment_score":0.1951658350881189,"num_words":8,"start":1668.98,"end":1754.5499},{"sentences":[{"text":"Yeah.","start":1785.5701,"end":1786.0701,"sentiment":"neutral","sentiment_score":-0.03950435295701027},{"text":"No.","start":1805.8251,"end":1806.0651,"sentiment":"neutral","sentiment_score":-0.32827460765838623},{"text":"I think well, I'm I'm not looking at being a cripple anytime soon.","start":1806.0651,"end":1813.22,"sentiment":"negative","sentiment_score":-0.4673211138982039},{"text":"Yeah.","start":1818.8799,"end":1819.3799,"sentiment":"neutral","sentiment_score":-0.0702768862247467},{"text":"I'm not sure.","start":1821.025,"end":1825.205,"sentiment":"neutral","sentiment_score":-0.005588037272294372}],"sentiment":"negative","sentiment_score":-0.34368391785966723,"num_words":19,"start":1785.5701,"end":1825.205},{"sentences":[{"text":"Yes.","start":1841.24,"end":1841.74,"sentiment":"neutral","sentiment_score":0.1723768711090088},{"text":"Yep.","start":1872.27,"end":1872.6699,"sentiment":"neutral","sentiment_score":0.02163848839700222},{"text":"No.","start":1872.6699,"end":1872.75,"sentiment":"neutral","sentiment_score":-0.013681629672646524},{"text":"That seems fine.","start":1872.75,"end":1873.8099,"sentiment":"neutral","sentiment_score":0.03571568305293719},{"text":"Yes.","start":1895.4801,"end":1895.8,"sentiment":"neutral","sentiment_score":0.0407952293753624}],"sentiment":"neutral","sentiment_score":0.04689657262393406,"num_words":7,"start":1841.24,"end":1895.8},{"sentences":[{"text":"I have ample sick leave, and I've got holiday, I have miss leave.","start":1895.8,"end":1900.78,"sentiment":"neutral","sentiment_score":0.015244405000255657},{"text":"Things like that.","start":1902.12,"end":1903.1001,"sentiment":"neutral","sentiment_score":0.23152687152226767},{"text":"Yes.","start":1910.295,"end":1910.795,"sentiment":"neutral","sentiment_score":0.11801056563854218},{"text":"No.","start":1944.645,"end":1944.965,"sentiment":"negative","sentiment_score":-0.40575411915779114},{"text":"I don't think I'm comfortable with what I have at the moment.","start":1944.965,"end":1947.625,"sentiment":"negative","sentiment_score":-0.4823123763004939}],"sentiment":"neutral","sentiment_score":-0.17275780631850163,"num_words":30,"start":1895.8,"end":1947.625},{"sentences":[{"text":"Yeah.","start":1968.235,"end":1968.735,"sentiment":"neutral","sentiment_score":0.26500922441482544},{"text":"We have talked about it.","start":1986.23,"end":1988.25,"sentiment":"neutral","sentiment_score":0.03490466326475143},{"text":"Yes.","start":1990.575,"end":1991.075,"sentiment":"neutral","sentiment_score":0.06582669168710709},{"text":"I I yeah.","start":1991.5349,"end":1992.495,"sentiment":"neutral","sentiment_score":0.04143379752834638},{"text":"I do need to put a will in place after my ex wife.","start":1992.495,"end":1997.395,"sentiment":"neutral","sentiment_score":0.020089432453879945}],"sentiment":"neutral","sentiment_score":0.03873144551787688,"num_words":23,"start":1968.235,"end":1997.395},{"sentences":[{"text":"Yeah.","start":2003.03,"end":2003.4299,"sentiment":"neutral","sentiment_score":0.01959486678242683},{"text":"We we still need to do that.","start":2003.4299,"end":2005.61,"sentiment":"neutral","sentiment_score":-0.00694810359605721},{"text":"Yep.","start":2037.5199,"end":2038.0199,"sentiment":"neutral","sentiment_score":0.0049736215732991695},{"text":"Just hang on a sec, Dana.","start":2067.53,"end":2068.99,"sentiment":"neutral","sentiment_score":0.1017174981534481},{"text":"Where do you wanna go?","start":2069.8499,"end":2070.99,"sentiment":"neutral","sentiment_score":0.045365586131811145}],"sentiment":"neutral","sentiment_score":0.04065323413815349,"num_words":20,"start":2003.03,"end":2070.99},{"sentences":[{"text":"Oh, I'll see you on the phone.","start":2071.05,"end":2072.27,"sentiment":"neutral","sentiment_score":0.04625973903707096},{"text":"Alright, man.","start":2072.49,"end":2073.23,"sentiment":"neutral","sentiment_score":0.060553643852472305},{"text":"This one?","start":2073.29,"end":2073.53,"sentiment":"neutral","sentiment_score":0.028506459668278694},{"text":"To the roller doors.","start":2073.6099,"end":2074.515,"sentiment":"neutral","sentiment_score":0.01652795891277492},{"text":"Oh, you can take this one.","start":2075.1548,"end":2077.315,"sentiment":"neutral","sentiment_score":0.049380719661712646}],"sentiment":"neutral","sentiment_score":0.04115878732963687,"num_words":21,"start":2071.05,"end":2077.315},{"sentences":[{"text":"Plugged into you.","start":2077.7148,"end":2079.075,"sentiment":"neutral","sentiment_score":0.027599976087609928},{"text":"It can shut off for a little while.","start":2079.075,"end":2080.595,"sentiment":"neutral","sentiment_score":-0.032267411006614566},{"text":"Alright.","start":2080.595,"end":2081.075,"sentiment":"neutral","sentiment_score":0.02282635867595673},{"text":"Just don't open it.","start":2081.075,"end":2082.275,"sentiment":"neutral","sentiment_score":-0.022883762838318944},{"text":"That's fine.","start":2082.275,"end":2083.4949,"sentiment":"neutral","sentiment_score":0.03205992095172405}],"sentiment":"neutral","sentiment_score":-0.00999601169799765,"num_words":18,"start":2077.7148,"end":2083.4949},{"sentences":[{"text":"But, yeah, just how long you need it for?","start":2085.635,"end":2087.7349,"sentiment":"neutral","sentiment_score":-0.010640402634938559},{"text":"I didn't zap you.","start":2120.9402,"end":2121.9001,"sentiment":"neutral","sentiment_score":-0.1902865432202816},{"text":"Didn't zap me.","start":2121.9001,"end":2122.54,"sentiment":"neutral","sentiment_score":-0.2500638763109843},{"text":"Thanks, fuck.","start":2122.54,"end":2123.1,"sentiment":"negative","sentiment_score":-0.49436554312705994},{"text":"But I don't wanna use it.","start":2123.1,"end":2124.8,"sentiment":"negative","sentiment_score":-0.37201478083928424}],"sentiment":"neutral","sentiment_score":-0.20116338320076466,"num_words":24,"start":2085.635,"end":2124.8},{"sentences":[{"text":"See that even You got another leak?","start":2124.86,"end":2127.26,"sentiment":"neutral","sentiment_score":-0.18380721658468246},{"text":"Yep.","start":2127.26,"end":2127.58,"sentiment":"neutral","sentiment_score":-0.05205924063920975},{"text":"I'm gonna go and get one from the hardware if I have to.","start":2127.58,"end":2129.6602,"sentiment":"neutral","sentiment_score":-0.023016072523135405},{"text":"I've got one in your car.","start":2129.6602,"end":2130.9602,"sentiment":"neutral","sentiment_score":0.011577016984423002},{"text":"Yeah.","start":2133.635,"end":2133.875,"sentiment":"neutral","sentiment_score":0.04387668147683144}],"sentiment":"neutral","sentiment_score":-0.054449282719620636,"num_words":28,"start":2124.86,"end":2133.875},{"sentences":[{"text":"Sorry, darling.","start":2133.875,"end":2134.5151,"sentiment":"neutral","sentiment_score":0.0684603825211525},{"text":"Keep going.","start":2134.5151,"end":2135.175,"sentiment":"neutral","sentiment_score":0.01619618386030197},{"text":"Yes.","start":2155.13,"end":2155.5298,"sentiment":"neutral","sentiment_score":0.20055261254310608},{"text":"Well, I actually have got a wheel kit at home from the post office, but Yeah.","start":2155.5298,"end":2160.375,"sentiment":"neutral","sentiment_score":0.19244780344888568},{"text":"We just need to sit down and, yeah, do it.","start":2160.5752,"end":2163.835,"sentiment":"neutral","sentiment_score":0.1742708131670952}],"sentiment":"neutral","sentiment_score":0.16747544297287542,"num_words":31,"start":2133.875,"end":2163.835},{"sentences":[{"text":"Yeah.","start":2178.53,"end":2179.03,"sentiment":"neutral","sentiment_score":0.13732768595218658},{"text":"K.","start":2179.65,"end":2179.89,"sentiment":"neutral","sentiment_score":0.08574428409337997},{"text":"Now that's fine.","start":2179.89,"end":2180.8699,"sentiment":"positive","sentiment_score":0.3756677409013112},{"text":"Yep.","start":2214.42,"end":2214.92,"sentiment":"neutral","sentiment_score":0.2264690101146698},{"text":"No.","start":2229.6099,"end":2229.69,"sentiment":"negative","sentiment_score":-0.35344287753105164}],"sentiment":"neutral","sentiment_score":0.17472876076187407,"num_words":7,"start":2178.53,"end":2229.69},{"sentences":[{"text":"I do not.","start":2229.69,"end":2230.59,"sentiment":"negative","sentiment_score":-0.3508569896221161},{"text":"Righto.","start":2245.665,"end":2246.165,"sentiment":"neutral","sentiment_score":0.2907242476940155},{"text":"Yep.","start":2246.305,"end":2246.545,"sentiment":"positive","sentiment_score":0.33618658781051636},{"text":"That'll be good.","start":2246.545,"end":2247.4448,"sentiment":"positive","sentiment_score":0.5843915144602457},{"text":"Alright.","start":2248.145,"end":2248.4648,"sentiment":"positive","sentiment_score":0.3699748516082764}],"sentiment":"neutral","sentiment_score":0.18860991795857748,"num_words":9,"start":2229.69,"end":2248.4648},{"sentences":[{"text":"Thank you very much for your time.","start":2248.4648,"end":2249.9248,"sentiment":"positive","sentiment_score":0.5968780773026603},{"text":"Thank you.","start":2254.419,"end":2254.9788,"sentiment":"positive","sentiment_score":0.6501893699169159},{"text":"You too.","start":2254.9788,"end":2255.7988,"sentiment":"positive","sentiment_score":0.3801710903644562},{"text":"Talk to you soon.","start":2255.939,"end":2256.919,"sentiment":"neutral","sentiment_score":0.3229757994413376},{"text":"Bye.","start":2259.4587,"end":2259.9587,"sentiment":"neutral","sentiment_score":0.11002618074417114}],"sentiment":"positive","sentiment_score":0.47754980251193047,"num_words":16,"start":2248.4648,"end":2259.9587},{"sentences":[{"text":"What's that?","start":2260.5789,"end":2261.3188,"sentiment":"neutral","sentiment_score":-0.02066098153591156}],"sentiment":"neutral","sentiment_score":-0.02066098153591156,"num_words":2,"start":2260.5789,"end":2261.3188}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Thomas. It's Dana from IT Financial. How are you? I'm very well. Thank you.\n\nI have you booked in to go through your annual review this morning. Is that a good time there for you?\n\nChannel 1: Yes.\n\nChannel 0: Oh, fantastic. Before I jump into the call, I just need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Fantastic. And still quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file.\n\nChannel 1: It's Thomas Peter Walton. Four from the\n\nChannel 0: Yep.\n\nChannel 1: first sixty nine.\n\nChannel 0: Yep.\n\nChannel 1: Address, Street, Tara, Queensland, 4421.\n\nChannel 0: Beautiful. Thank you so much for that. Are you working today there, Pete, or got today off?\n\nChannel 1: Alright. I am. I only just got here.\n\nChannel 0: Oh, wow. Well, hopefully, you're gonna have a good day. No time not to take up too much of your time there. I know sent through your annual review documents. Could you ask for the starting work today as well?\n\nDo you you probably don't have access to your emails, or are you able to log in to those real quick? Or\n\nChannel 1: To my emails\n\nChannel 0: if\n\nChannel 1: now.\n\nChannel 0: he yeah. If he can't, that's okay. I can run through things for you. It's not a problem.\n\nChannel 1: No. I should be able to.\n\nChannel 0: Yeah. That's okay. I've just sent you an email just to those annual review documents attached to make it easier for you. The email\n\nChannel 1: Oh,\n\nChannel 0: comes through from o d u sign.\n\nChannel 1: Diana Tyler. Yeah.\n\nChannel 0: Yeah. That's the one. Beautiful. Have you had any coffee for the morning at least?\n\nChannel 1: Yes. I have, actually.\n\nChannel 0: That's good.\n\nChannel 1: So sign document.\n\nChannel 0: Now when you I yeah. So the first when you go through the sign documents section, that's essentially your your ongoing service agreement for the next twelve months there. So your with your essentially, l to give you a bit of a rundown there, our ongoing service fees have not changed over the last couple of years, but technically not really changing now. We've just set up a more of a tiered structure. So our ongoing service agreement stays at 1.65% until your balance reaches 200,000, and then it drops down to 1.375%.\n\nWhen your balance is 500,000, it drops down again. So, essentially, what we wanted to do was to kinda update the the structure. So as your balance increased towards your retirement goals, that the ongoing service agreement percentage drops a little bit with so you end up in a different tier. Your balance is still under that $200,000 mark, so you are still on that 1.65%. On the ongoing service agreement you've got there, on the first page, you'll see it's actually got a dollar figure there.\n\nSo we've decided from here on out, we're actually gonna work out what the the fee is as a dollar figure and disclose that to you and have that as in the hub 24. So unlike previous years where it was a percentage based fee that would go up and down with the market, it kind of we would give you an idea of what you were expected to pay us for the year. However, this gives you more certainty. Do you know it will be 3,331 and 7¢, and it's it will not go up above that in any way, shape, or form. Does that make sense?\n\nChannel 1: Yes. It doesn't.\n\nChannel 0: Yeah. We just wanted to make sure that the fee was a little bit more disclosed, a little bit more open, and so having a set dollar figure essentially means that we've worked out in advance what you're expected to pay based on the percentage you're in, but it means that if you get a 20% return, your fee is not gonna go up to encompass that return. It's solely just based on your balance. And inside that balance, we account for 5% growth in the fund there. So it's just kinda giving you more clarity and certainty around what our ongoing service fee is for the year, knowing that it won't go over that amount.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Do you have any questions? You're welcome to let me know if you do. No. Perfect.\n\nSo once you're sort of happy with that, we'll get you signed and return it back so we can have it applied to your account there. On this front of the email, if you were to scroll back out, if you can't, that's honestly okay. We do have a couple of attachments there for you with your updated balances and the portfolio performance of the year. Are you able to just scroll back to go back for me to the front of that email? Or if you can't, that's okay.\n\nChannel 1: Mighty. Still riding.\n\nChannel 0: You're still loading? If if you want, I can just give you a run through on your balance and the performance. You're welcome to definitely have a bit more of a look at those again later if you need to.\n\nChannel 1: Alright. Well, it says now that it's signed.\n\nChannel 0: Yep. And it should be coming back to me. It's come straight back to me. Yeah. Fabulous.\n\nChannel 1: So go back to the sign request.\n\nChannel 0: So, yeah, when you get back into the email first, that if you look at the very bottom of the email, there'll be a couple of attachments.\n\nChannel 1: I've got three, four, six, seven.\n\nChannel 0: Yeah. That sounds about right. One of those should say summary of state grant tuition and insurances. Can you see that one there? Summary of state grant insurances?\n\nChannel 1: Super summary.\n\nChannel 0: Yeah. That's the one. Is that opening up for you?\n\nChannel 1: Yeah. When you said I was\n\nChannel 0: Yeah.\n\nChannel 1: still under the $200,000 mark, what's going on with the lowest plan there?\n\nChannel 0: Yeah. No. You're not far under. So your super balance as of the August 7, you're sitting a $192,095.47 there. So you are very close to that $200,000 mark.\n\nNot far off it. With a bit\n\nChannel 1: No.\n\nChannel 0: of additional growth this year and seeing what we can do with the portfolio, we should be able to push you up a little bit higher there. And looking at your balance from the August 7 on with you those documents, we're looking at your super fund now, you're sitting at 193,000, so you've had a bit of additional growth in that time frame as well. Okay.\n\nChannel 1: Yeah. Good.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: Perfect. Yeah. When I look at your portfolio as a whole and I break down the individual investments, most things are working really well, and we have seen a lot of ups and downs. You probably heard a lot of what's happening in the news this year with The US and Iran war, But also here in Australia, we've had a lot of high inflation as well, and that's also had an effect on the market because inflation does have an effect on defensive assets like cash and bonds and fixed interest.\n\nChannel 1: Yep.\n\nChannel 0: When I look at your portfolio last year, your balance was sitting at a $169,003.37. So to be up to that 193,000 now is really good. And it shows that after fees so after all fees in your super fund, your super fund has come out with a return of 7.40%. That essentially shows as a dollar figure, the income plus the growth in your super fund has made $15,863.71. So\n\nChannel 1: Yeah.\n\nChannel 0: you've done\n\nChannel 1: Good.\n\nChannel 0: really well. Yeah. You've come out on top there. One of the other things that I do look at is the sort of portfolio you're in and what that portfolio should be able to obtain. So because you're in a growth portfolio, and that generally sees about 80% of your super invested in growth assets.\n\nSo think about things like Australian shares, international shares, listed property, and gold and silver, so precious metals as well. In this sort of growth environment, you still hold about 20% low risk defensive investment, so things like cash, bonds, and fixed interest. This sort of a portfolio should be able to obtain around about seven to 9% on a yearly basis as an average. So you've actually come in that middle range there at 7.40 as a net return, which is actually really good. You're\n\nChannel 1: No.\n\nChannel 0: in that range of where we wanna be in a growth environment. Anything over that 9% major portfolio is over performing, and anything under that 7% major portfolio sort of underperformed for the year. We do know that whilst we're aiming for that seven to 9%, some years you'll get a 20% return. Other years, you might only get a two or 3% return. It also depends upon what is happening within those markets.\n\nChannel 1: Yeah.\n\nChannel 0: But when you're invested in that growth environment, that kind of portfolio suits someone who generally has about six years before they're wanting to access that to you at this stage. Looking at your circumstances, now you're 57 years. Is that right?\n\nChannel 1: Yes, ma'am.\n\nChannel 0: Yeah. Do you know what age you're kinda hoping you'd like to be able to retire and start drawing an income out of suit, or what was what kind of your thoughts\n\nChannel 1: Well, I was just gonna stick with whatever is\n\nChannel 0: at the\n\nChannel 1: going at the\n\nChannel 0: moment\n\nChannel 1: moment, which I\n\nChannel 0: on\n\nChannel 1: can't retire\n\nChannel 0: that?\n\nChannel 1: until I'm six seven. Is that right?\n\nChannel 0: So I've actually got some good news for you here, morning. At the moment, under the current legislation, you can actually fully retire and access your Safe Far Holy tax free at the age of 60. If you work longer than 60, at 65, they'll make it fully accessible regardless of whether you're working or not. And age 67 is when you're able to access the age pension through the through Centrelink or through Services Australia if you're eligible to do so. But, realistically, you could retire anywhere from the age of 60.\n\nIt more just comes down to what your balance is expected to be, what you need to live on on a weekly basis to survive and for expenses and how long your sleep is going to last. So, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: the longer you're able to work, the more we can build on super. If you are wanting to kind of look at retiring earlier, I would wanna start maybe reducing your risk level a little bit, but also considering extra contributions in to provide that boost to make sure you get that longevity. But if you feel like you're comfortable working to 67, that's absolutely fine. What's the thoughts on that, and do you have any extra questions?\n\nChannel 1: No. I do not have any more questions.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I'm a I'd like to say that I would like to keep working, but it's just a matter of whether I can or not physically,\n\nChannel 0: Yep. Yep.\n\nChannel 1: so\n\nChannel 0: That's\n\nChannel 1: to\n\nChannel 0: okay.\n\nChannel 1: speak. But I'll yeah. I'll probably just keep working until I can.\n\nChannel 0: Yeah. No. That's okay. When I look at the underlying investments, you've been in this portfolio for a little bit, and most things are working really, really well. But I can see a couple of areas I would like to maybe look at updating.\n\nSo you do have a portfolio that came into play about a year or two ago. You've got one of your underlying investments in there. You've been along Australian Equities. Australian Equities are actually performing quite well with that one investment is sort of underperforming a little bit at the moment. So I would like to maybe go back if you're comfortable with it, reassess your portfolio, look at your goals, and maybe look at where we expect to be at age six and 65 and 67 for you.\n\nDoes that sound okay?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yeah. Beautiful. I'll update the portfolio.\n\nChannel 1: fine.\n\nChannel 0: Find you something that might be a little bit you know, provide me a bit more diversification. I can look at maybe a portfolio that might be cheaper. You know, paying less than investment fees is never a bad thing. And then sort of see where that's tracking and see if I can find something better performing for you to give you a little bit more of a boost towards your retirement goals. Does that sound alright with you?\n\nChannel 1: Yeah. That'd\n\nChannel 0: Yep.\n\nChannel 1: be fine.\n\nChannel 0: Beautiful. Excellent. It'll also give you an idea of what we're tracking for when we look at age 60, 65, and 67 to give you a bit of clarity on what you might wanna look at when you might wanna stop work or what you're after.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. When you do retire, do you know what kind of income you're going to need to draw down or going to want to live off on a weekly basis? Have you thought about that thus far?\n\nChannel 1: Now I have an expert,\n\nChannel 0: No. That's okay.\n\nChannel 1: to to be honest.\n\nChannel 0: Yeah.\n\nChannel 1: Well, at the moment, I'm sort of living on 800 a week.\n\nChannel 0: Yep. Is that fairly comfortable at the moment?\n\nChannel 1: Yeah. It yeah. It is. Doesn't\n\nChannel 0: Yep.\n\nChannel 1: leave much flavor in, but that's just with all my bills and shit like it.\n\nChannel 0: Yeah. And because you still have a mortgage at the moment, don't you? You've well, we had then you owed about a 110,000 on your main primary residence. Do you still owe have a loan on that one?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yes. Yep. Beautiful. Are you sort of hoping to have that paid off by the time you hit retirement, or do you think you might still have that loan in those years just for a little bit?\n\nChannel 1: Probably still have a little bit of it. I'm hoping\n\nChannel 0: Yep.\n\nChannel 1: not.\n\nChannel 0: Because, realistically, like, if you do have that mortgage completely paid off by that point in time, that $800 would certainly provide greater living. It would it would last longer. You wouldn't have that mortgage payment to pay back as well. But if you still have that, do you want me just to project forward on $800 a week to see what that looks like for the time being, or would you like me just to create a bit of a buffer and increase the weekly living to, say, $85,900 to give you a bit more wiggle room? What would you like me to project forward for you?\n\nChannel 1: Probably the 900 wiggle\n\nChannel 0: Nine\n\nChannel 1: room.\n\nChannel 0: 100 a week? Yep. Absolutely. That sort of factors in in case you still have that mortgage and retirement. Absolutely.\n\nExcellent. And I've got down here that you're in a respecter relationship. Is that still correct?\n\nChannel 1: Yes. It is incorrect.\n\nChannel 0: Yep. Beautiful. And does does your partner work? Does she or, like, is the income coming in going to your expenditure?\n\nChannel 1: She does work.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. She sort of covers, like, her bills. Not just her\n\nChannel 0: Okay.\n\nChannel 1: bills,\n\nChannel 0: So\n\nChannel 1: but\n\nChannel 0: yeah.\n\nChannel 1: other bills.\n\nChannel 0: Do do you kinda keep everything separate bill wise and expenses wise?\n\nChannel 1: Not really. No.\n\nChannel 0: No. That's okay. Together. And is she younger than you, older than you, would she willing to retire at the same time as you, do you think? Or would that money still or would her income still be coming into the household?\n\nChannel 1: No. She's a lot younger than me. She'll probably keep working once I retire.\n\nChannel 0: Yep. Beautiful. Let's see. Retires. Beautiful.\n\nAnd if you think about her income, because if once you retire, if she's still working and that income is all going into your family and being used, it might sort of help you a little bit as well with covering the cost of more than making your drawdown, you know, go a bit further. Do you know\n\nChannel 1: Yeah.\n\nChannel 0: what her income is coming in on a regular basis, like a weekly basis at the moment? Or\n\nChannel 1: No. I could not say. She's\n\nChannel 0: no. It's up.\n\nChannel 1: she's full time casual. So and because of the kids\n\nChannel 0: Right.\n\nChannel 1: have sport a lot, she like, she just took five days off work\n\nChannel 0: Yes.\n\nChannel 1: to do that.\n\nChannel 0: Yep. Okay. So it's sort of when she can work, doesn't work all the time, more casual.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. That's okay. I'll sort of focus things around your super and your super only, stoking out any additional expenditures. So we'll just look at what what we're projected to just move forward with your super, what the drawdowns look like. I can easily because age 67 is only just that ten years away at this point, I can factor in just a limited scope of Centrelink for you, just showing you, you know, at 67 based on your assets now, you'll be whether you're eligible for Centrelink and how that can help product provide a little bit of longevity to your statement.\n\nDoes that sound okay?\n\nChannel 1: Yep. That seems\n\nChannel 0: Beautiful. Excellent. Now\n\nChannel 1: good.\n\nChannel 0: the other thing to sort of look at is the risk level with regard to your super. So what I'm projecting for is sort of age 60, 65, and 67, but because you are in that kind of growth environment, if you were to say because real estate is 60 is only about three years away for you, if we saw a large market dip by, say, 20% due to what was happening in the world globally over the next one to three years, how do you think you might be feeling about that? Are you feeling like you're happy to work longer to wait for your super to recover? Are you wanting to put more money in and take advantage of the dip, or are you feeling a bit anxious and probably, you know, a bit concerned about your super having that kind of a dip? How might you feel?\n\nChannel 1: I'm not really sure. Yeah. Probably just keep it going, hope it comes back.\n\nChannel 0: Yep. Yep. So you'd be happy to work a little bit longer if you needed to? Yep. Yep.\n\nThat's okay. Sorry. I asked all the hard questions that you probably never thought of to answer. When you think of the risk level you're taking, as I kinda mentioned with that growth environment, you see about 80 in those high risk assets like shares, commodities like gold and silver, and property. When you think of the risk level, if you consider risk out of a number between one and five, you're sitting about a three.\n\nSo you're not quite at the highest level of risk and not really at the lowest level of risk. Do you sort of consider yourself to be in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can out of your paper, or do\n\nChannel 1: Yeah.\n\nChannel 0: you consider\n\nChannel 1: I think.\n\nChannel 0: yourself to be more a higher or lower risk taker? Where do you sort of see yourself?\n\nChannel 1: Probably go a little bit higher in the wrist.\n\nChannel 0: A little\n\nChannel 1: Would this?\n\nChannel 0: yep. Yep. That's okay. And the last one here is have you ever seen your super fall in value? If you did moving forward, how does that make you feel?\n\nI mean, not ever like to see that the market is we don't like to see negative figures, but if you did over the next couple of years see your super falling value a little bit, are you feeling optimistic about the investment opportunities, maybe thinking about putting some extra money in? Are you a bit cautious because you're closer to accessing your super? Are you concerned or feeling very anxious about dips in the market? Where might you think you might feel?\n\nChannel 1: Probably more cautious than not.\n\nChannel 0: Yep. Absolutely. Lovely. And have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you generally not consider doing something like that you've only ever wanted to borrow for safe property or your main primary residence?\n\nChannel 1: Probably. Yeah. I haven't thought of it.\n\nChannel 0: Yep. That's okay. And you've got your main primary residence there, so I'll pop that one in. Beautiful. So you scored in that growth environment there, which is where we have you at the moment.\n\nThe main sort of thing that I would be looking at is the time horizon. So are you more likely to say work to 65 at the very earliest, or do you what's the likelihood that you might wanna stop working at 60?\n\nChannel 1: No. Like I said, I'm a bit of a worker. I've been working all my life, so I'll probably keep working until\n\nChannel 0: Yes.\n\nChannel 1: I can't.\n\nChannel 0: Beautiful. Excellent. Just because with that, when we're looking at that sort of thing with that growth environment, I wanna make sure that you do have a generally, that's six years ahead of you before you're wanting to access that money. If you had a lesser time horizon with the ups and downs we have seen this year, I might be a bit more cautious around trying to sort of talk about reducing this level. But I'm happy to sort of keep you there for the next twelve months.\n\nI would wanna just review things in twelve months time with you. But in the meantime, I'll go back and have a look at your state for your portfolio and see if I can, you know, work on the investments a little bit, get things working a bit harder for you as well, and see if I can reduce some of your fees within your super fund. How does that sound?\n\nChannel 1: Just hands up.\n\nChannel 0: That sounds good. Excellent. Just to update a few additional circumstances for you here, your income last year was about 75,000. Are you earning about the same amount at the moment, Pete?\n\nChannel 1: Oh, I am. Yes.\n\nChannel 0: Yes. Beautiful. Are you wanting to look at maybe salary sacrificing or putting more money into super, or are you finding it's not really preferable right now?\n\nChannel 1: Not right now. No.\n\nChannel 0: Nope. That's okay. Excellent. And are you managing to put much away in the way of savings out of your funds on a weekly basis, or is everything going towards your expenses?\n\nChannel 1: No. I arranged down towards expenses.\n\nChannel 0: Everything's gone towards expenses. All good. Okay. No saving. Your main primary residence, we had an asset value on that last time of around 330,000.\n\nDo you know what that value might be to you now? What's the value you put on your home currently?\n\nChannel 1: I've actually been watching that. It's $3.71 now.\n\nChannel 0: Oh, fantastic. And what would the mortgage be down to currently, do you think?\n\nChannel 1: No. I had to redraw on that.\n\nChannel 0: Okay.\n\nChannel 1: I think that was 160.\n\nChannel 0: $101.06 0. Sorry. Is that right?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: 160,000? Okay. And then I've got your car, your h x one tonner. You valued that last year at about 45,000. Would you still keep it about the same value?\n\nChannel 1: Yes. It would.\n\nChannel 0: Yep. And you own a vehicle outright?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Other assets I try to note down are things like content. I know it looks a bit funny, but content is still technically an asset. If you tip your house upside down and everything fell out, if you had to replace all those items, it could cost quite a bit.\n\nDo you have content insurance on your property?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yeah. What do you have your contents valued at on your insurance policy?\n\nChannel 1: Only insurance, I think it was 35.\n\nChannel 0: 35? Yep. Beautiful. And do you have any other shares or collections or tools of trade or cars, boats, or caravans you put value on?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. The other thing to look at is now I believe a couple of years back, we had it noted that you had a Sunsuper account, and that also has some insurances in it. Are you aware if you still have that Sunsuper account?\n\nChannel 1: Yes. I do.\n\nChannel 0: You do? Because I can see your there are contributions coming into Hub twenty four as well. So I just wanna make sure that we do that you do still have that account, what the insurances look like for you. Back when we last spoke to your insurance level within that sunsuit, it was about 83,000 of life and TBD. I would need to do some research to find out what the insurance levels are now.\n\nBut when you think about insurances versus your super because they are paid out of your super, is keeping those insurances still important to you until you kinda hit those retirement years, or what's the thoughts around your insurance aspect at the moment? Mhmm.\n\nChannel 1: The reason being we kept like, you guys and myself have kept\n\nChannel 0: Mhmm.\n\nChannel 1: the super the Sunsuper account was because you we couldn't find a life insurance cheap enough, and the Sunsuper had life insurance in it. So that's why we kept that money in there.\n\nChannel 0: Yeah.\n\nChannel 1: And I was\n\nChannel 0: That\n\nChannel 1: adding,\n\nChannel 0: makes sense.\n\nChannel 1: yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I was adding to it for a little while.\n\nChannel 0: Yep.\n\nChannel 1: I think I'm still yeah. I still have that account for the life\n\nChannel 0: Okay.\n\nChannel 1: insurance, which is yeah. Like you said, it's only $8,083,000 last time I looked. I'd have to double\n\nChannel 0: Yeah.\n\nChannel 1: check on that\n\nChannel 0: I\n\nChannel 1: one.\n\nChannel 0: yeah. Are you able to not in right now. I can sort of follow-up on a bit later if you're able to. Just obtain a bit of a statement for us there just so we can double check the balance you have in the account. We can check the investments, make sure everything's working harder for you, and check the insurance levels as well to make sure you're holding those covers a little bit longer.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. I'll get my admin team member to sort of follow-up on that with you if that's okay.\n\nChannel 1: Oh, that there you go. That's fine. I actually think Sunsuper\n\nChannel 0: Yep.\n\nChannel 1: has changed their name to Australian.\n\nChannel 0: We're trying to trust. Yeah. Yeah. All\n\nChannel 1: Yeah.\n\nChannel 0: these\n\nChannel 1: So\n\nChannel 0: super funds are getting bought out by each other.\n\nChannel 1: yeah. So I'd\n\nChannel 0: For\n\nChannel 1: love to go\n\nChannel 0: AARP\n\nChannel 1: that way.\n\nChannel 0: fund. Yeah. No. That's okay. I'll get my call my admin team member, Michelle, to sorry.\n\nSamantha to follow-up on that for you just to obtain that. You had life and TBD in there. Do you understand what life and TBD are, how they work, and what they pay out, essentially? No. That's\n\nChannel 1: No. I don't really.\n\nChannel 0: essentially? No. That's okay. So to give you just a quick rundown, life cover pays out a lump sum benefit to your beneficiaries if you were to pass away. I'll obviously just go back and double check the level of cover that do have.\n\nBut based on, say, 83,000 of life cover, and if you were to then pass away, your super balance is also paid at your beneficiary. So am I right in assuming your beneficiary should be your partner? Is that right? I've got\n\nChannel 1: Yes.\n\nChannel 0: Renee.\n\nChannel 1: Retinigo Crescents.\n\nChannel 0: Yep. Beautiful. Yep. Beautiful. I never like to assume, but just like to double check to make sure that's what your wishes are.\n\nBut if we sort of have a look at that, so based on a life cover of 83,000 plus a 192,095 of super paid out there for you,\n\nChannel 1: Yep.\n\nChannel 0: $0.09 5, it essentially means that she could get a lump sum benefit of 275,095 that could pay out the mortgage owing a 160,000 and then still leave her with some additional income or additional funds to sorta help around about a 115,000, give or take, to help look after the kids and, you know, move forward a little bit. Do you feel like that's sufficient?\n\nChannel 1: For now, yes. I do.\n\nChannel 0: Yep. Yep. Yep. That's okay. The same thing with TPD.\n\nSo TPD or total permanent disability pays out either a lump sum disability benefit or an income stream if in the event that you were unable to ever go back to work again due to permanent disability. And, essentially, the benefit amount you're covered for is the same as life because we can also claim on your super. So you can have the CBD benefit paid out as well as your super. So, again, it gives you about 275,000 there. The one thing I do like to bring up, because not many people are aware that if you claim CBD and you're under the age of 60, unfortunately, the government does deduct tax on that amount.\n\nIt's up to 22%. So on,\n\nChannel 1: Okay.\n\nChannel 0: say, 275,000, 22% tax could be $60.\n\nChannel 1: Yeah.\n\nChannel 0: That essentially means that the benefit could roughly be at the highest tax rate about 215,000, which realistically would still pay off the mortgage, leaving you debt free, and then you could have roughly about 55,000 left over. It's not a huge amount. And, obviously, the older you get, the the more expensive insurances do become, which is partly why we would have kept that funds through the insurances in place.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, it's brought us about what's important to you, whether that level of cover is sufficient or whether you think you might need more cover, and we go out there and try to find that for you. What is how do you feel about that at the moment?\n\nChannel 1: No. I think well, I'm I'm not looking at being a cripple anytime soon.\n\nChannel 0: No. Definitely not. Definitely not.\n\nChannel 1: Yeah. I'm not\n\nChannel 0: That's okay. The other side of\n\nChannel 1: sure.\n\nChannel 0: that is that because you are only three years away from 60, so long as you didn't need to claim on TBD after 60, the TBD benefit is fully tax free. There's no tax paid on TBD when you claim after the age of 60. So there is that benefit and option.\n\nChannel 1: Yes.\n\nChannel 0: I mean, the biggest thing with insurance is is looking at making sure you've got the level of cover that suits your goal. But, also, when it is paid out of super, it also affects how much you end up within retirement because you the premiums are coming out of your super fund. So it's kind of a juggling act. I will try to get the we'll get the statement. And then if you want, I can come back and have a secondary conversation with you about what the insurance levels are, what that looks like, and what you need.\n\nDoes that sound alright?\n\nChannel 1: Yep. No. That seems fine.\n\nChannel 0: Yep. Yep. Beautiful. You don't have any kind of income protection or trauma benefits. The income protection, if you did have it, essentially covers or pays out a a monthly benefit if you're awkward due to illness or injury.\n\nDo you have much in the way of sick leave, annual leave, long service leave that you might be able to use if you were unable to go to work in the short term?\n\nChannel 1: Yes. I have ample sick leave, and I've got holiday, I have miss leave. Things\n\nChannel 0: Yeah.\n\nChannel 1: like\n\nChannel 0: Beautiful.\n\nChannel 1: that.\n\nChannel 0: So income protection wouldn't be a problem. You if you weren't working, you've got plenty of things to fall back on to cover your income?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. Excellent. Now the other type of personal insurance that we can obtain if you wanted to is trauma. Trauma tends to pay out like a lump sum tax free benefit if you say have a heart attack, a stroke.\n\nCancer's probably a big one. Parkinson's, other neurological conditions, they're major traumatic events. Did you wanna look at maybe getting some sort of trauma cover, or you're happy just with the the level of cover you have in some place at the moment, keeping the insurance cost low. What's your thought?\n\nChannel 1: No. I don't think I'm comfortable with what I have at the moment.\n\nChannel 0: Yep. Beautiful. Excellent. So what I'll do is once we do get a a statement from you, I'll just make a time to come back and have a quick conversation around the insurance levels that you've got. We can talk about what your goals are with insurance and just make sure you're comfortable with the level of cover that you do hold.\n\nOkay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Excellent. And the other thing with the estate planning side of things is have yourself, your partner, Renee, ever sort of looked at getting a power of attorney or drawing a will or anything like that? Have you guys talked about that in the past?\n\nChannel 1: We have talked about it.\n\nChannel 0: Yep.\n\nChannel 1: Yes. I I yeah. I do need to put a will in place after\n\nChannel 0: Yep.\n\nChannel 1: my ex wife.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. We we still need to do that.\n\nChannel 0: Yep. No. That's okay. All good. So it is definitely something to do.\n\nWe, unfortunately, as advisers, don't do it. We do send you or a phase with solicitor to do so. There are other options, though, if you you know, you can use, like, a will kit from the post office if you prefer to to make it cheaper and easier, or you can through all the states and territories. They do have, like, a state trustee, which is a government agency, and they can help to organize wills pretty cheaply as well. So if you just Google the Queensland trustee, and\n\nChannel 1: Yep.\n\nChannel 0: they can sort of help to put you in touch and do a will nice and cheap. But doing a will and power of attorney is extremely important, especially where there are, you know, past family members and kids involved and things like that. Just making sure that everything is, you know, as per your wishes in the event that something happens to you, because passing in tax state down the track means that other people can come forward and make a claim on your estate, and then a judge gets to decide where that money goes to.\n\nChannel 1: Just hang on a sec, Dana. Where\n\nChannel 0: Yeah.\n\nChannel 1: do you\n\nChannel 0: You're\n\nChannel 1: wanna\n\nChannel 0: right.\n\nChannel 1: go? Oh, I'll see you on the phone. Alright, man. This one? To the roller doors.\n\nOh, you can take this one. Plugged into you. It can shut off for a little while. Alright. Just don't open it.\n\nThat's fine. But, yeah, just how long you need it for? I didn't zap you. Didn't zap me. Thanks, fuck.\n\nBut I don't wanna use it. See that even You got another leak? Yep. I'm gonna go and get one from the hardware if I have to. I've got one in your car.\n\nYeah. Sorry, darling. Keep going.\n\nChannel 0: No. You're fine. All good. Yeah. This is on letting you know that the the local government trustees do also set up rules nice and cheap for you as well.\n\nAnd if you just Google the Queensland trustee, it can come up with, you know, how how they can help you. They do them over the phone and things like that as well just to sort of make sure that everything's protected for you.\n\nChannel 1: Yes. Well, I actually have got a wheel kit at home from the post office,\n\nChannel 0: Oh,\n\nChannel 1: but\n\nChannel 0: just gonna\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: We\n\nChannel 0: gonna\n\nChannel 1: just\n\nChannel 0: fill\n\nChannel 1: need\n\nChannel 0: it out.\n\nChannel 1: to sit down and, yeah, do it.\n\nChannel 0: Yeah. Well, I always sort of suggest make yourself a cup of tea or a coffee or whatever your poison is and have a seat and yeah. Just go through step by step and think about what it is that you want to happen to all of the assets.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: K. Now that's fine.\n\nChannel 0: All good. Easy. So I basically gone through just to kind of recap. I'll look at your space, I'll look at the investments, look at the projecting things forward for you to see what this looks like and where we can make some updates for you. We're not soaking in any additional salary sacrifice.\n\nI'll just be able to try and obtain a statement for Sunsuper from you to look at your insurance level. I'll come back and have a conversation with you around those once we obtain it so we can find out a bit more about what your goals are and whether we go and look at additional cover for you.\n\nChannel 1: Yep.\n\nChannel 0: And other than that, everything else looks like it's pretty well covered for the moment. Do you have any questions? I'm sorry. I know I touched on quite a lot of bits and pieces, but do you have any questions for me at the moment?\n\nChannel 1: No. I do not.\n\nChannel 0: No. Beautiful. Well, I will let you go. I thank you so much for your time today. I'll get my colleague, Samantha, to follow-up on the sun super statement, and then we'll come back and just follow-up with additional conversation around the insurance level for you.\n\nChannel 1: Righto. Yep. That'll be good.\n\nChannel 0: Okay?\n\nChannel 1: Alright. Thank you\n\nChannel 0: Easy.\n\nChannel 1: very much\n\nChannel 0: Well,\n\nChannel 1: for\n\nChannel 0: I will\n\nChannel 1: your time.\n\nChannel 0: let you go, Kate. No. Thank you for yours. You have a good day.\n\nChannel 1: Thank you. You too. Talk to you soon.\n\nChannel 0: See you later until soon. Bye.\n\nChannel 1: Bye. What's that?","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.03802055120468139}],"sentiment":"neutral","sentiment_score":0.03802055120468139,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Hi, Thomas.","start":2.24,"end":2.96,"sentiment":"neutral","sentiment_score":0.16034463793039322},{"text":"It's Dana from IT Financial.","start":2.96,"end":4.5,"sentiment":"neutral","sentiment_score":0.19372783601284027},{"text":"How are you?","start":4.56,"end":5.38,"sentiment":"neutral","sentiment_score":0.21933875977993011},{"text":"I'm very well.","start":7.52,"end":8.48,"sentiment":"positive","sentiment_score":0.6694698929786682},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.7488830983638763}],"sentiment":"positive","sentiment_score":0.363568040728569,"channel":0,"num_words":15,"start":2.24,"end":8.96},{"sentences":[{"text":"I have you booked in to go through your annual review this morning.","start":8.96,"end":11.599999,"sentiment":"positive","sentiment_score":0.366051034285472},{"text":"Is that a good time there for you?","start":11.599999,"end":13.54,"sentiment":"neutral","sentiment_score":0.3188248910009861}],"sentiment":"positive","sentiment_score":0.3480601225580488,"channel":0,"num_words":21,"start":8.96,"end":13.54},{"sentences":[{"text":"Yes.","start":13.855,"end":14.355,"sentiment":"neutral","sentiment_score":0.25822746753692627}],"sentiment":"neutral","sentiment_score":0.25822746753692627,"channel":1,"num_words":1,"start":13.855,"end":14.355},{"sentences":[{"text":"Oh, fantastic.","start":15.215,"end":16.115,"sentiment":"positive","sentiment_score":0.57612743973732},{"text":"Before I jump into the call, I just need to let you know we do record our calls for quality and training purposes.","start":17.135,"end":21.695,"sentiment":"neutral","sentiment_score":0.1663811329914176},{"text":"Are you happy for me to proceed with that?","start":21.695,"end":23.875,"sentiment":"neutral","sentiment_score":0.2043912774986691}],"sentiment":"neutral","sentiment_score":0.20054536575780196,"channel":0,"num_words":34,"start":15.215,"end":23.875},{"sentences":[{"text":"Yeah.","start":23.935,"end":24.255,"sentiment":"neutral","sentiment_score":0.04341273009777069},{"text":"No.","start":24.255,"end":24.414999,"sentiment":"neutral","sentiment_score":0.04735342785716057},{"text":"That's fine.","start":24.414999,"end":25.154999,"sentiment":"neutral","sentiment_score":0.20049696415662766}],"sentiment":"neutral","sentiment_score":0.12294002156704664,"channel":1,"num_words":4,"start":23.935,"end":25.154999},{"sentences":[{"text":"Fantastic.","start":25.855,"end":26.355,"sentiment":"positive","sentiment_score":0.5837132930755615},{"text":"And still quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file.","start":26.575,"end":32.809998,"sentiment":"neutral","sentiment_score":0.20349833065712894}],"sentiment":"neutral","sentiment_score":0.21707743645778724,"channel":0,"num_words":28,"start":25.855,"end":32.809998},{"sentences":[{"text":"It's Thomas Peter Walton.","start":33.55,"end":35.25,"sentiment":"neutral","sentiment_score":0.04524744860827923},{"text":"Four from the","start":35.63,"end":36.27,"sentiment":"neutral","sentiment_score":0.045481777439514794}],"sentiment":"neutral","sentiment_score":0.04534787525023733,"channel":1,"num_words":7,"start":33.55,"end":36.27},{"sentences":[{"text":"Yep.","start":36.15,"end":36.65,"sentiment":"neutral","sentiment_score":0.068662129342556}],"sentiment":"neutral","sentiment_score":0.068662129342556,"channel":0,"num_words":1,"start":36.15,"end":36.65},{"sentences":[{"text":"first sixty nine.","start":36.27,"end":37.489998,"sentiment":"neutral","sentiment_score":0.049603658417860665}],"sentiment":"neutral","sentiment_score":0.049603658417860665,"channel":1,"num_words":3,"start":36.27,"end":37.489998},{"sentences":[{"text":"Yep.","start":38.15,"end":38.65,"sentiment":"neutral","sentiment_score":0.020157696679234505}],"sentiment":"neutral","sentiment_score":0.020157696679234505,"channel":0,"num_words":1,"start":38.15,"end":38.65},{"sentences":[{"text":"Address, Street, Tara, Queensland, 4421.","start":39.575,"end":43.355,"sentiment":"neutral","sentiment_score":0.040592478960752486}],"sentiment":"neutral","sentiment_score":0.040592478960752486,"channel":1,"num_words":5,"start":39.575,"end":43.355},{"sentences":[{"text":"Beautiful.","start":43.825,"end":44.305,"sentiment":"positive","sentiment_score":0.5495882034301758},{"text":"Thank you so much for that.","start":44.305,"end":45.745003,"sentiment":"positive","sentiment_score":0.6519847810268402},{"text":"Are you working today there, Pete, or got today off?","start":45.745003,"end":48.805,"sentiment":"neutral","sentiment_score":0.23156939595937728}],"sentiment":"positive","sentiment_score":0.39865828524617586,"channel":0,"num_words":17,"start":43.825,"end":48.805},{"sentences":[{"text":"Alright.","start":48.535,"end":49.035,"sentiment":"neutral","sentiment_score":0.10014345496892928},{"text":"I am.","start":49.175,"end":49.655,"sentiment":"neutral","sentiment_score":0.0683465451002121},{"text":"I only just got here.","start":49.655,"end":51.114998,"sentiment":"neutral","sentiment_score":0.03898225054144859}],"sentiment":"neutral","sentiment_score":0.053968474734574556,"channel":1,"num_words":8,"start":48.535,"end":51.114998},{"sentences":[{"text":"Oh, wow.","start":51.905,"end":52.625,"sentiment":"neutral","sentiment_score":0.25061918050050735},{"text":"Well, hopefully, you're gonna have a good day.","start":52.625,"end":54.385002,"sentiment":"positive","sentiment_score":0.44260498881340027},{"text":"No time not to take up too much of your time there.","start":54.385002,"end":56.88,"sentiment":"neutral","sentiment_score":-0.16951843506346145},{"text":"I know sent through your annual review documents.","start":57.36,"end":60.58,"sentiment":"neutral","sentiment_score":0.014822834869846702},{"text":"Could you ask for the starting work today as well?","start":60.72,"end":63.28,"sentiment":"neutral","sentiment_score":0.016633239388465882}],"sentiment":"neutral","sentiment_score":0.05731930308975279,"channel":0,"num_words":40,"start":51.905,"end":63.28},{"sentences":[{"text":"Do you you probably don't have access to your emails, or are you able to log in to those real quick?","start":63.28,"end":68.24,"sentiment":"neutral","sentiment_score":-0.061701460785809015},{"text":"Or","start":68.24,"end":68.74,"sentiment":"neutral","sentiment_score":-0.035069312900304794}],"sentiment":"neutral","sentiment_score":-0.06049090860919519,"channel":0,"num_words":22,"start":63.28,"end":68.74},{"sentences":[{"text":"To my emails","start":69.835,"end":70.634995,"sentiment":"neutral","sentiment_score":-0.034674727668364845}],"sentiment":"neutral","sentiment_score":-0.034674727668364845,"channel":1,"num_words":3,"start":69.835,"end":70.634995},{"sentences":[{"text":"if","start":70.605,"end":70.765,"sentiment":"neutral","sentiment_score":-0.04311501979827881}],"sentiment":"neutral","sentiment_score":-0.04311501979827881,"channel":0,"num_words":1,"start":70.605,"end":70.765},{"sentences":[{"text":"now.","start":70.634995,"end":71.134995,"sentiment":"neutral","sentiment_score":-0.05109533295035362}],"sentiment":"neutral","sentiment_score":-0.05109533295035362,"channel":1,"num_words":1,"start":70.634995,"end":71.134995},{"sentences":[{"text":"he yeah.","start":70.765,"end":71.965004,"sentiment":"neutral","sentiment_score":0.005053638480603695},{"text":"If he can't, that's okay.","start":71.965004,"end":73.165,"sentiment":"neutral","sentiment_score":-0.02616371363401413},{"text":"I can run through things for you.","start":73.165,"end":74.605,"sentiment":"neutral","sentiment_score":0.15522594111306326},{"text":"It's not a problem.","start":74.605,"end":75.665,"sentiment":"neutral","sentiment_score":0.05789700336754322}],"sentiment":"neutral","sentiment_score":0.06652546166959736,"channel":0,"num_words":18,"start":70.765,"end":75.665},{"sentences":[{"text":"No.","start":76.235,"end":76.475,"sentiment":"neutral","sentiment_score":-0.03062391467392445},{"text":"I should be able to.","start":76.475,"end":77.615,"sentiment":"neutral","sentiment_score":-0.021298838034272193}],"sentiment":"neutral","sentiment_score":-0.022853017474214237,"channel":1,"num_words":6,"start":76.235,"end":77.615},{"sentences":[{"text":"Yeah.","start":78.125,"end":78.445,"sentiment":"neutral","sentiment_score":0.08193130791187286},{"text":"That's okay.","start":78.445,"end":79.185,"sentiment":"neutral","sentiment_score":0.1404142901301384},{"text":"I've just sent you an email just to those annual review documents attached to make it easier for you.","start":80.685,"end":96.4,"sentiment":"neutral","sentiment_score":0.21393180050347982},{"text":"The email","start":109.674995,"end":110.235,"sentiment":"neutral","sentiment_score":0.07053793594241142}],"sentiment":"neutral","sentiment_score":0.1903558320676287,"channel":0,"num_words":24,"start":78.125,"end":110.235},{"sentences":[{"text":"Oh,","start":109.92,"end":110.42,"sentiment":"neutral","sentiment_score":0.0688444972038269}],"sentiment":"neutral","sentiment_score":0.0688444972038269,"channel":1,"num_words":1,"start":109.92,"end":110.42},{"sentences":[{"text":"comes through from o d u sign.","start":110.235,"end":112.335,"sentiment":"neutral","sentiment_score":0.0760265477001667}],"sentiment":"neutral","sentiment_score":0.0760265477001667,"channel":0,"num_words":7,"start":110.235,"end":112.335},{"sentences":[{"text":"Diana Tyler.","start":112.72,"end":113.6,"sentiment":"neutral","sentiment_score":0.052874913439154625},{"text":"Yeah.","start":113.6,"end":114.1,"sentiment":"neutral","sentiment_score":0.07762838900089264}],"sentiment":"neutral","sentiment_score":0.06112607195973396,"channel":1,"num_words":3,"start":112.72,"end":114.1},{"sentences":[{"text":"Yeah.","start":114.01,"end":114.41,"sentiment":"neutral","sentiment_score":0.11483114957809448},{"text":"That's the one.","start":114.41,"end":115.29,"sentiment":"neutral","sentiment_score":0.19182967642943063},{"text":"Beautiful.","start":115.29,"end":115.79,"sentiment":"positive","sentiment_score":0.4337692260742187},{"text":"Have you had any coffee for the morning at 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document.","start":129.295,"end":130.19499,"sentiment":"neutral","sentiment_score":0.07988877097765605}],"sentiment":"neutral","sentiment_score":0.07988877097765605,"channel":1,"num_words":3,"start":129.295,"end":130.19499},{"sentences":[{"text":"Now when you I yeah.","start":129.905,"end":131.525,"sentiment":"neutral","sentiment_score":0.0378489937633276},{"text":"So the first when you go through the sign documents section, that's essentially your your ongoing service agreement for the next twelve months there.","start":131.905,"end":138.86499,"sentiment":"neutral","sentiment_score":0.06372300589767595},{"text":"So your with your essentially, l to give you a bit of a rundown there, our ongoing service fees have not changed over the last couple of years, but technically not really changing now.","start":138.86499,"end":150.22,"sentiment":"neutral","sentiment_score":-0.047256271217894906},{"text":"We've just set up a more of a tiered structure.","start":150.22,"end":152.32,"sentiment":"neutral","sentiment_score":0.007334770448505878},{"text":"So our ongoing service agreement stays at 1.65% until your balance reaches 200,000, and then it drops down to 1.375%.","start":152.38,"end":164.375,"sentiment":"neutral","sentiment_score":-0.041912922880146655}],"sentiment":"neutral","sentiment_score":-0.007021794238338067,"channel":0,"num_words":93,"start":129.905,"end":164.375},{"sentences":[{"text":"When your balance is 500,000, it drops down again.","start":164.995,"end":168.035,"sentiment":"neutral","sentiment_score":-0.22669565346505907},{"text":"So, essentially, what we wanted to do was to kinda update the the structure.","start":168.035,"end":172.19499,"sentiment":"neutral","sentiment_score":0.022939857627664293},{"text":"So as your balance increased towards your retirement goals, that the ongoing service agreement percentage drops a little bit with so you end up in a different tier.","start":172.19499,"end":181.93,"sentiment":"neutral","sentiment_score":-0.0925981059138264},{"text":"Your balance is still under that $200,000 mark, so you are still on that 1.65%.","start":182.47,"end":189.45,"sentiment":"neutral","sentiment_score":0.07747870907187462},{"text":"On the ongoing service agreement you've got there, on the first page, you'll see it's actually got a dollar figure there.","start":190.215,"end":195.735,"sentiment":"neutral","sentiment_score":0.11598362276951472}],"sentiment":"neutral","sentiment_score":-0.008207047422384393,"channel":0,"num_words":87,"start":164.995,"end":195.735},{"sentences":[{"text":"So we've decided from here on out, we're actually gonna work out what the the fee is as a dollar figure and disclose that to you and have that as in the hub 24.","start":195.735,"end":206.3,"sentiment":"neutral","sentiment_score":0.260945994845208},{"text":"So unlike previous years where it was a percentage based fee that would go up and down with the market, it kind of we would give you an idea of what you were expected to pay us for the year.","start":206.3,"end":216.345,"sentiment":"neutral","sentiment_score":0.05443254467099905},{"text":"However, this gives you more certainty.","start":216.505,"end":218.285,"sentiment":"neutral","sentiment_score":0.06847398728132248},{"text":"Do you know it will be 3,331 and 7¢, and it's it will not go up above that in any way, shape, or form.","start":218.345,"end":226.025,"sentiment":"neutral","sentiment_score":-0.0940513432673786},{"text":"Does that make sense?","start":226.025,"end":227.16501,"sentiment":"neutral","sentiment_score":0.007591891102492811}],"sentiment":"neutral","sentiment_score":0.08717286172453488,"channel":0,"num_words":108,"start":195.735,"end":227.16501},{"sentences":[{"text":"Yes.","start":227.56,"end":227.87999,"sentiment":"neutral","sentiment_score":-0.1592191755771637},{"text":"It 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there.","start":248.565,"end":252.805,"sentiment":"neutral","sentiment_score":0.13302149107823005},{"text":"So it's just kinda giving you more clarity and certainty around what our ongoing service fee is for the year, knowing that it won't go over that amount.","start":252.805,"end":260.9,"sentiment":"neutral","sentiment_score":0.15188372560909816}],"sentiment":"neutral","sentiment_score":0.04514192528862121,"channel":0,"num_words":116,"start":228.86,"end":260.9},{"sentences":[{"text":"Does that make sense?","start":260.9,"end":261.96,"sentiment":"neutral","sentiment_score":0.11406823992729187}],"sentiment":"neutral","sentiment_score":0.11406823992729187,"channel":0,"num_words":4,"start":260.9,"end":261.96},{"sentences":[{"text":"Yep.","start":262.435,"end":262.935,"sentiment":"neutral","sentiment_score":0.12035387754440308}],"sentiment":"neutral","sentiment_score":0.12035387754440308,"channel":1,"num_words":1,"start":262.435,"end":262.935},{"sentences":[{"text":"Yeah.","start":263.62,"end":264.02,"sentiment":"neutral","sentiment_score":0.1233191192150116},{"text":"Do you have any questions?","start":264.02,"end":265.3,"sentiment":"neutral","sentiment_score":0.120476995408535},{"text":"You're welcome to let me know if you do.","start":265.3,"end":267.32,"sentiment":"positive","sentiment_score":0.35251707832018536},{"text":"No.","start":270.42502,"end":270.665,"sentiment":"neutral","sentiment_score":0.07713454961776733},{"text":"Perfect.","start":270.665,"end":271.165,"sentiment":"positive","sentiment_score":0.4160808026790619}],"sentiment":"neutral","sentiment_score":0.25832783255506964,"channel":0,"num_words":17,"start":263.62,"end":271.165},{"sentences":[{"text":"So once you're sort of happy with that, we'll get you signed and return it back so we can have it applied to your account there.","start":271.305,"end":277.565,"sentiment":"positive","sentiment_score":0.3554510267881247},{"text":"On this front of the email, if you were to scroll back out, if you can't, that's honestly okay.","start":278.265,"end":283.8,"sentiment":"neutral","sentiment_score":0.13359097587434868},{"text":"We do have a couple of attachments there for you with your updated balances and the portfolio performance of the year.","start":283.94,"end":291.22,"sentiment":"neutral","sentiment_score":0.3102632619085766},{"text":"Are you able to just scroll back to go back for me to the front of that email?","start":291.22,"end":295.965,"sentiment":"neutral","sentiment_score":0.0866478340079387},{"text":"Or if you can't, that's okay.","start":295.965,"end":297.66498,"sentiment":"neutral","sentiment_score":0.05300556526829799}],"sentiment":"neutral","sentiment_score":0.22414642379929622,"channel":0,"num_words":90,"start":271.305,"end":297.66498},{"sentences":[{"text":"Mighty.","start":298.775,"end":299.275,"sentiment":"neutral","sentiment_score":0.2935258150100708},{"text":"Still riding.","start":300.135,"end":300.95502,"sentiment":"neutral","sentiment_score":0.1913706660270691}],"sentiment":"neutral","sentiment_score":0.22542238235473633,"channel":1,"num_words":3,"start":298.775,"end":300.95502},{"sentences":[{"text":"You're still loading?","start":301.00497,"end":303.34497,"sentiment":"neutral","sentiment_score":0.11014186839262645},{"text":"If if you want, I can just give you a run through on your balance and the performance.","start":306.84497,"end":310.125,"sentiment":"neutral","sentiment_score":0.21199015527963638},{"text":"You're welcome to definitely have a bit more of a look at those again later if you need to.","start":310.125,"end":314.07,"sentiment":"positive","sentiment_score":0.37434391755806773}],"sentiment":"neutral","sentiment_score":0.2814695708453655,"channel":0,"num_words":40,"start":301.00497,"end":314.07},{"sentences":[{"text":"Alright.","start":314.695,"end":314.855,"sentiment":"neutral","sentiment_score":0.16621126234531405},{"text":"Well, it says now that it's signed.","start":314.855,"end":316.95502,"sentiment":"neutral","sentiment_score":0.17998833528586797}],"sentiment":"neutral","sentiment_score":0.17826620116829872,"channel":1,"num_words":8,"start":314.695,"end":316.95502},{"sentences":[{"text":"Yep.","start":317.81,"end":318.31,"sentiment":"neutral","sentiment_score":0.2378850430250168},{"text":"And it should be coming back to me.","start":319.17,"end":321.81,"sentiment":"neutral","sentiment_score":0.2745654098689556},{"text":"It's come straight back to me.","start":321.81,"end":323.41,"sentiment":"neutral","sentiment_score":0.22537585347890854},{"text":"Yeah.","start":323.41,"end":323.73,"sentiment":"positive","sentiment_score":0.4083443880081177},{"text":"Fabulous.","start":323.73,"end":324.23,"sentiment":"positive","sentiment_score":0.5127968788146973}],"sentiment":"neutral","sentiment_score":0.27692968880428986,"channel":0,"num_words":17,"start":317.81,"end":324.23},{"sentences":[{"text":"So go back to the sign request.","start":327.56998,"end":330.06998,"sentiment":"neutral","sentiment_score":0.20645255489008768}],"sentiment":"neutral","sentiment_score":0.20645255489008768,"channel":1,"num_words":7,"start":327.56998,"end":330.06998},{"sentences":[{"text":"So, yeah, when you get back into the email first, that if you look at the very bottom of the email, there'll be a couple of attachments.","start":331.005,"end":336.945,"sentiment":"neutral","sentiment_score":0.13550712940869508}],"sentiment":"neutral","sentiment_score":0.13550712940869508,"channel":0,"num_words":27,"start":331.005,"end":336.945},{"sentences":[{"text":"I've got three, four, six, seven.","start":348.645,"end":351.705,"sentiment":"neutral","sentiment_score":0.09244828795393308}],"sentiment":"neutral","sentiment_score":0.09244828795393308,"channel":1,"num_words":6,"start":348.645,"end":351.705},{"sentences":[{"text":"Yeah.","start":353.015,"end":353.255,"sentiment":"neutral","sentiment_score":0.10888063907623292},{"text":"That sounds about right.","start":353.255,"end":354.615,"sentiment":"neutral","sentiment_score":0.1216849535703659},{"text":"One of those should say summary of state grant tuition and insurances.","start":354.615,"end":358.315,"sentiment":"neutral","sentiment_score":0.09188645395139854},{"text":"Can you see that one there?","start":358.615,"end":359.975,"sentiment":"neutral","sentiment_score":0.05443029788633188},{"text":"Summary of state grant insurances?","start":359.975,"end":361.595,"sentiment":"neutral","sentiment_score":0.04399410709738731}],"sentiment":"neutral","sentiment_score":0.08017179369926453,"channel":0,"num_words":28,"start":353.015,"end":361.595},{"sentences":[{"text":"Super summary.","start":367.92,"end":368.9,"sentiment":"neutral","sentiment_score":0.1686294823884964}],"sentiment":"neutral","sentiment_score":0.1686294823884964,"channel":1,"num_words":2,"start":367.92,"end":368.9},{"sentences":[{"text":"Yeah.","start":369.66998,"end":369.99,"sentiment":"neutral","sentiment_score":0.10668247938156128},{"text":"That's the one.","start":369.99,"end":370.88998,"sentiment":"neutral","sentiment_score":0.10645777980486552},{"text":"Is that opening up for you?","start":382.115,"end":383.975,"sentiment":"neutral","sentiment_score":0.09086245050032933}],"sentiment":"neutral","sentiment_score":0.09712305217981339,"channel":0,"num_words":10,"start":369.66998,"end":383.975},{"sentences":[{"text":"Yeah.","start":386.85,"end":387.35,"sentiment":"neutral","sentiment_score":0.013150084763765337},{"text":"When you said I was","start":387.49,"end":388.37,"sentiment":"neutral","sentiment_score":-0.008305002376437188}],"sentiment":"neutral","sentiment_score":-0.004729154519736766,"channel":1,"num_words":6,"start":386.85,"end":388.37},{"sentences":[{"text":"Yeah.","start":388.35498,"end":388.85498,"sentiment":"neutral","sentiment_score":-0.017596717923879623}],"sentiment":"neutral","sentiment_score":-0.017596717923879623,"channel":0,"num_words":1,"start":388.35498,"end":388.85498},{"sentences":[{"text":"still under the $200,000 mark, what's going on with the lowest plan there?","start":388.37,"end":392.47,"sentiment":"neutral","sentiment_score":-0.05004136593869099}],"sentiment":"neutral","sentiment_score":-0.05004136593869099,"channel":1,"num_words":13,"start":388.37,"end":392.47},{"sentences":[{"text":"Yeah.","start":393.49002,"end":393.73,"sentiment":"neutral","sentiment_score":-0.037156667560338974},{"text":"No.","start":393.73,"end":393.97,"sentiment":"neutral","sentiment_score":-0.09908875823020936},{"text":"You're not far under.","start":393.97,"end":395.17,"sentiment":"neutral","sentiment_score":-0.11265918239951134},{"text":"So your super balance as of the August 7, you're sitting a $192,095.47 there.","start":395.17,"end":403.64502,"sentiment":"neutral","sentiment_score":0.011234930782978023},{"text":"So you are very close to that $200,000 mark.","start":403.64502,"end":406.445,"sentiment":"neutral","sentiment_score":0.03021944769554668}],"sentiment":"neutral","sentiment_score":-0.0054351067298959044,"channel":0,"num_words":29,"start":393.49002,"end":406.445},{"sentences":[{"text":"Not far off it.","start":406.445,"end":407.74503,"sentiment":"neutral","sentiment_score":-0.040608045645058155},{"text":"With a bit","start":407.885,"end":408.445,"sentiment":"neutral","sentiment_score":-0.040248043835163116}],"sentiment":"neutral","sentiment_score":-0.04045375915510314,"channel":0,"num_words":7,"start":406.445,"end":408.445},{"sentences":[{"text":"No.","start":408.425,"end":408.925,"sentiment":"neutral","sentiment_score":-0.04743071272969246}],"sentiment":"neutral","sentiment_score":-0.04743071272969246,"channel":1,"num_words":1,"start":408.425,"end":408.925},{"sentences":[{"text":"of additional growth this year and seeing what we can do with the portfolio, we should be able to push you up a little bit higher there.","start":408.445,"end":415.005,"sentiment":"positive","sentiment_score":0.5285305822337115},{"text":"And looking at your balance from the August 7 on with you those documents, we're looking at your super fund now, you're sitting at 193,000, so you've had a bit of additional growth in that time frame as well.","start":415.005,"end":426.01,"sentiment":"neutral","sentiment_score":0.2241505483786265},{"text":"Okay.","start":426.01,"end":426.51,"sentiment":"neutral","sentiment_score":0.17518392205238342}],"sentiment":"positive","sentiment_score":0.3460803138675974,"channel":0,"num_words":67,"start":408.445,"end":426.51},{"sentences":[{"text":"Yeah.","start":426.36002,"end":426.76,"sentiment":"neutral","sentiment_score":0.2204192578792572},{"text":"Good.","start":426.76,"end":427.26,"sentiment":"positive","sentiment_score":0.3866556882858277}],"sentiment":"neutral","sentiment_score":0.3035374730825424,"channel":1,"num_words":2,"start":426.36002,"end":427.26},{"sentences":[{"text":"Yeah.","start":428.01,"end":428.51,"sentiment":"neutral","sentiment_score":0.18666574358940125}],"sentiment":"neutral","sentiment_score":0.18666574358940125,"channel":0,"num_words":1,"start":428.01,"end":428.51},{"sentences":[{"text":"No.","start":428.28,"end":428.78,"sentiment":"neutral","sentiment_score":0.16652436554431915}],"sentiment":"neutral","sentiment_score":0.16652436554431915,"channel":1,"num_words":1,"start":428.28,"end":428.78},{"sentences":[{"text":"Perfect.","start":428.57,"end":429.07,"sentiment":"positive","sentiment_score":0.3403857946395874},{"text":"Yeah.","start":429.85,"end":430.35,"sentiment":"neutral","sentiment_score":0.16114488244056702},{"text":"When I look at your portfolio as a whole and I break down the individual investments, most things are working really well, and we have seen a lot of ups and downs.","start":430.765,"end":438.52502,"sentiment":"neutral","sentiment_score":0.1456741753499955},{"text":"You probably heard a lot of what's happening in the news this year with The US and Iran war, But also here in Australia, we've had a lot of high inflation as well, and that's also had an effect on the market because inflation does have an effect on defensive assets like cash and bonds and fixed interest.","start":438.52502,"end":455.0,"sentiment":"neutral","sentiment_score":-0.06197065949953835}],"sentiment":"neutral","sentiment_score":0.01705223953594332,"channel":0,"num_words":92,"start":428.57,"end":455.0},{"sentences":[{"text":"Yep.","start":455.805,"end":456.305,"sentiment":"neutral","sentiment_score":0.09532900899648666}],"sentiment":"neutral","sentiment_score":0.09532900899648666,"channel":1,"num_words":1,"start":455.805,"end":456.305},{"sentences":[{"text":"When I look at your portfolio last year, your balance was sitting at a $169,003.37.","start":456.795,"end":463.615,"sentiment":"neutral","sentiment_score":0.17990138332049052},{"text":"So to be up to that 193,000 now is really good.","start":463.835,"end":467.115,"sentiment":"positive","sentiment_score":0.6177740774371407},{"text":"And it shows that after fees so after all fees in your super fund, your super fund has come out with a return of 7.40%.","start":467.115,"end":475.78,"sentiment":"positive","sentiment_score":0.44554598212242125},{"text":"That essentially shows as a dollar figure, the income plus the growth in your super fund has made $15,863.71.","start":476.15997,"end":485.36,"sentiment":"positive","sentiment_score":0.33678313776066426},{"text":"So","start":485.36,"end":485.805,"sentiment":"neutral","sentiment_score":0.2946803569793701}],"sentiment":"positive","sentiment_score":0.38487669195927365,"channel":0,"num_words":71,"start":456.795,"end":485.805},{"sentences":[{"text":"Yeah.","start":485.905,"end":486.225,"sentiment":"positive","sentiment_score":0.45853346586227417}],"sentiment":"positive","sentiment_score":0.45853346586227417,"channel":1,"num_words":1,"start":485.905,"end":486.225},{"sentences":[{"text":"you've done","start":485.965,"end":486.525,"sentiment":"positive","sentiment_score":0.5601508319377899}],"sentiment":"positive","sentiment_score":0.5601508319377899,"channel":0,"num_words":2,"start":485.965,"end":486.525},{"sentences":[{"text":"Good.","start":486.225,"end":486.725,"sentiment":"positive","sentiment_score":0.6467574238777161}],"sentiment":"positive","sentiment_score":0.6467574238777161,"channel":1,"num_words":1,"start":486.225,"end":486.725},{"sentences":[{"text":"really well.","start":486.525,"end":487.26498,"sentiment":"positive","sentiment_score":0.6384477019309998},{"text":"Yeah.","start":487.32498,"end":487.645,"sentiment":"positive","sentiment_score":0.47356194257736206},{"text":"You've come out on top there.","start":487.645,"end":489.26498,"sentiment":"positive","sentiment_score":0.5974973638852438},{"text":"One of the other things that I do look at is the sort of portfolio you're in and what that portfolio should be able to obtain.","start":489.88498,"end":497.10498,"sentiment":"neutral","sentiment_score":0.23128802959735578},{"text":"So because you're in a growth portfolio, and that generally sees about 80% of your super invested in growth assets.","start":497.405,"end":504.52002,"sentiment":"neutral","sentiment_score":0.21291835829615594}],"sentiment":"neutral","sentiment_score":0.2837690448219126,"channel":0,"num_words":55,"start":486.525,"end":504.52002},{"sentences":[{"text":"So think about things like Australian shares, international shares, listed property, and gold and silver, so precious metals as well.","start":504.52002,"end":512.62,"sentiment":"neutral","sentiment_score":0.1970664642751217},{"text":"In this sort of growth environment, you still hold about 20% low risk defensive investment, so things like cash, bonds, and fixed interest.","start":513.705,"end":521.485,"sentiment":"neutral","sentiment_score":0.2460668877415035},{"text":"This sort of a portfolio should be able to obtain around about seven to 9% on a yearly basis as an average.","start":522.185,"end":528.605,"sentiment":"positive","sentiment_score":0.3839117344468832},{"text":"So you've actually come in that middle range there at 7.40 as a net return, which is actually really good.","start":528.95996,"end":535.37994,"sentiment":"positive","sentiment_score":0.5896809011697769},{"text":"You're","start":535.83997,"end":536.24,"sentiment":"neutral","sentiment_score":0.26506131887435913}],"sentiment":"positive","sentiment_score":0.3500651767867249,"channel":0,"num_words":86,"start":504.52002,"end":536.24},{"sentences":[{"text":"No.","start":536.02,"end":536.52,"sentiment":"neutral","sentiment_score":0.004571251571178436}],"sentiment":"neutral","sentiment_score":0.004571251571178436,"channel":1,"num_words":1,"start":536.02,"end":536.52},{"sentences":[{"text":"in that range of where we wanna be in a growth 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markets.","start":557.64996,"end":560.70996,"sentiment":"neutral","sentiment_score":-0.04007337503135204}],"sentiment":"neutral","sentiment_score":0.006151046352209272,"channel":0,"num_words":74,"start":536.24,"end":560.70996},{"sentences":[{"text":"Yeah.","start":561.44,"end":561.94,"sentiment":"neutral","sentiment_score":0.0819874107837677}],"sentiment":"neutral","sentiment_score":0.0819874107837677,"channel":1,"num_words":1,"start":561.44,"end":561.94},{"sentences":[{"text":"But when you're invested in that growth environment, that kind of portfolio suits someone who generally has about six years before they're wanting to access that to you at this stage.","start":561.49,"end":572.07,"sentiment":"neutral","sentiment_score":0.08001165356366866},{"text":"Looking at your circumstances, now you're 57 years.","start":572.865,"end":577.34503,"sentiment":"neutral","sentiment_score":0.0034122264478355646},{"text":"Is that right?","start":577.34503,"end":578.16504,"sentiment":"neutral","sentiment_score":0.03896602988243103}],"sentiment":"neutral","sentiment_score":0.062489456231040616,"channel":0,"num_words":42,"start":561.49,"end":578.16504},{"sentences":[{"text":"Yes, ma'am.","start":578.695,"end":579.595,"sentiment":"neutral","sentiment_score":0.107439324259758}],"sentiment":"neutral","sentiment_score":0.107439324259758,"channel":1,"num_words":2,"start":578.695,"end":579.595},{"sentences":[{"text":"Yeah.","start":580.22504,"end":580.705,"sentiment":"neutral","sentiment_score":0.05810946971178055},{"text":"Do you know what age you're kinda hoping you'd like to be able to retire and start drawing an income out of suit, or what was what kind of your thoughts","start":580.705,"end":588.36,"sentiment":"neutral","sentiment_score":0.002295819757085654}],"sentiment":"neutral","sentiment_score":0.0040399963181698695,"channel":0,"num_words":32,"start":580.22504,"end":588.36},{"sentences":[{"text":"Well, I was just gonna stick with whatever is","start":592.3,"end":594.885,"sentiment":"neutral","sentiment_score":-0.0527368543876542}],"sentiment":"neutral","sentiment_score":-0.0527368543876542,"channel":1,"num_words":9,"start":592.3,"end":594.885},{"sentences":[{"text":"at the","start":594.51996,"end":595.63995,"sentiment":"neutral","sentiment_score":-0.056674107909202576}],"sentiment":"neutral","sentiment_score":-0.056674107909202576,"channel":0,"num_words":2,"start":594.51996,"end":595.63995},{"sentences":[{"text":"going at the","start":595.28503,"end":595.765,"sentiment":"neutral","sentiment_score":-0.04561591645081838}],"sentiment":"neutral","sentiment_score":-0.04561591645081838,"channel":1,"num_words":3,"start":595.28503,"end":595.765},{"sentences":[{"text":"moment","start":595.76,"end":596.26,"sentiment":"neutral","sentiment_score":-0.06023966521024704}],"sentiment":"neutral","sentiment_score":-0.06023966521024704,"channel":0,"num_words":1,"start":595.76,"end":596.26},{"sentences":[{"text":"moment, which I","start":595.765,"end":596.405,"sentiment":"neutral","sentiment_score":-0.09341051926215489}],"sentiment":"neutral","sentiment_score":-0.09341051926215489,"channel":1,"num_words":3,"start":595.765,"end":596.405},{"sentences":[{"text":"on","start":596.38,"end":596.88,"sentiment":"neutral","sentiment_score":-0.1648801416158676}],"sentiment":"neutral","sentiment_score":-0.1648801416158676,"channel":0,"num_words":1,"start":596.38,"end":596.88},{"sentences":[{"text":"can't retire","start":596.405,"end":597.045,"sentiment":"neutral","sentiment_score":-0.12116996198892593}],"sentiment":"neutral","sentiment_score":-0.12116996198892593,"channel":1,"num_words":2,"start":596.405,"end":597.045},{"sentences":[{"text":"that?","start":597.0,"end":597.5,"sentiment":"neutral","sentiment_score":-0.07824594527482986}],"sentiment":"neutral","sentiment_score":-0.07824594527482986,"channel":0,"num_words":1,"start":597.0,"end":597.5},{"sentences":[{"text":"until I'm six seven.","start":597.045,"end":598.405,"sentiment":"neutral","sentiment_score":-0.06851488072425127},{"text":"Is that right?","start":598.405,"end":599.305,"sentiment":"neutral","sentiment_score":0.07978572199742}],"sentiment":"neutral","sentiment_score":-0.004957479557820729,"channel":1,"num_words":7,"start":597.045,"end":599.305},{"sentences":[{"text":"So I've actually got some good news for you here, morning.","start":600.2,"end":603.18,"sentiment":"positive","sentiment_score":0.5155669396573846},{"text":"At the moment, under the current legislation, you can actually fully retire and access your Safe Far Holy tax free at the age of 60.","start":603.405,"end":610.86505,"sentiment":"positive","sentiment_score":0.3802381253242493},{"text":"If you work longer than 60, at 65, they'll make it fully accessible regardless of whether you're working or not.","start":611.565,"end":619.38,"sentiment":"neutral","sentiment_score":0.2517732702195644},{"text":"And age 67 is when you're able to access the age pension through the through Centrelink or through Services Australia if you're eligible to do so.","start":619.46,"end":627.48,"sentiment":"neutral","sentiment_score":0.19992024451494217},{"text":"But, realistically, you could retire anywhere from the age of 60.","start":627.7,"end":631.24,"sentiment":"neutral","sentiment_score":0.16129717163064264}],"sentiment":"neutral","sentiment_score":0.2923102163339174,"channel":0,"num_words":93,"start":600.2,"end":631.24},{"sentences":[{"text":"It more just comes down to what your balance is expected to be, what you need to live on on a weekly basis to survive and for expenses and how long your sleep is going to last.","start":631.555,"end":642.455,"sentiment":"neutral","sentiment_score":0.08627524690048115},{"text":"So, realistically,","start":642.835,"end":643.575,"sentiment":"neutral","sentiment_score":0.12365436181426048}],"sentiment":"neutral","sentiment_score":0.08819212458836727,"channel":0,"num_words":39,"start":631.555,"end":643.575},{"sentences":[{"text":"Yeah.","start":643.48004,"end":643.98004,"sentiment":"neutral","sentiment_score":0.15724515914916992}],"sentiment":"neutral","sentiment_score":0.15724515914916992,"channel":1,"num_words":1,"start":643.48004,"end":643.98004},{"sentences":[{"text":"the longer you're able to work, the more we can build on super.","start":643.875,"end":648.00995,"sentiment":"neutral","sentiment_score":0.2224985071672843},{"text":"If you are wanting to kind of look at retiring earlier, I would wanna start maybe reducing your risk level a little bit, but also considering extra contributions in to provide that boost to make sure you get that longevity.","start":648.14996,"end":661.925,"sentiment":"neutral","sentiment_score":0.27583256233483555},{"text":"But if you feel like you're comfortable working to 67, that's absolutely fine.","start":662.705,"end":667.425,"sentiment":"positive","sentiment_score":0.39457725332333493},{"text":"What's the thoughts on that, and do you have any extra questions?","start":667.425,"end":670.565,"sentiment":"neutral","sentiment_score":0.055005443592866264}],"sentiment":"neutral","sentiment_score":0.2527609320882803,"channel":0,"num_words":78,"start":643.875,"end":670.565},{"sentences":[{"text":"No.","start":672.54004,"end":672.86,"sentiment":"neutral","sentiment_score":-0.11672089993953703},{"text":"I do not have any more questions.","start":672.86,"end":674.48004,"sentiment":"neutral","sentiment_score":-0.1668181579027857}],"sentiment":"neutral","sentiment_score":-0.16055600065737963,"channel":1,"num_words":8,"start":672.54004,"end":674.48004},{"sentences":[{"text":"Yeah.","start":675.48,"end":675.98,"sentiment":"neutral","sentiment_score":-0.0031047072261571884}],"sentiment":"neutral","sentiment_score":-0.0031047072261571884,"channel":0,"num_words":1,"start":675.48,"end":675.98},{"sentences":[{"text":"Well, I'm a I'd like to say that I would like to keep working, but it's just a matter of whether I can or not 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I'll yeah.","start":688.41504,"end":689.29504,"sentiment":"neutral","sentiment_score":0.07763067012031873},{"text":"I'll probably just keep working until I can.","start":689.29504,"end":691.715,"sentiment":"neutral","sentiment_score":0.08997583109885454}],"sentiment":"neutral","sentiment_score":0.08328551395485799,"channel":1,"num_words":12,"start":688.015,"end":691.715},{"sentences":[{"text":"Yeah.","start":692.725,"end":693.125,"sentiment":"neutral","sentiment_score":0.04001345857977867},{"text":"No.","start":693.125,"end":693.285,"sentiment":"neutral","sentiment_score":0.0026338547468185425},{"text":"That's okay.","start":693.285,"end":694.105,"sentiment":"neutral","sentiment_score":0.06851925700902939},{"text":"When I look at the underlying investments, you've been in this portfolio for a little bit, and most things are working really, really well.","start":694.88495,"end":701.125,"sentiment":"neutral","sentiment_score":0.11982683030267556},{"text":"But I can see a couple of areas I would like to maybe look at updating.","start":701.125,"end":704.95,"sentiment":"neutral","sentiment_score":0.06085546454414725}],"sentiment":"neutral","sentiment_score":0.09157311789352786,"channel":0,"num_words":44,"start":692.725,"end":704.95},{"sentences":[{"text":"So you do have a portfolio that came into play about a year or two ago.","start":705.08997,"end":710.39,"sentiment":"neutral","sentiment_score":0.044793673674575984},{"text":"You've got one of your underlying investments in there.","start":711.25,"end":713.64996,"sentiment":"neutral","sentiment_score":0.008371786317891546},{"text":"You've been along Australian Equities.","start":713.64996,"end":715.35,"sentiment":"neutral","sentiment_score":-0.0004013665020465851},{"text":"Australian Equities are actually performing quite well with that one investment is sort of underperforming a little bit at the moment.","start":716.065,"end":723.125,"sentiment":"neutral","sentiment_score":-0.15947038715793974},{"text":"So I would like to maybe go back if you're comfortable with it, reassess your portfolio, look at your goals, and maybe look at where we expect to be at age six and 65 and 67 for you.","start":723.74506,"end":734.12,"sentiment":"neutral","sentiment_score":0.025551694739413888}],"sentiment":"neutral","sentiment_score":-0.01784130007949438,"channel":0,"num_words":89,"start":705.08997,"end":734.12},{"sentences":[{"text":"Does that sound 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then sort of see where that's tracking and see if I can find something better performing for you to give you a little bit more of a boost towards your retirement goals.","start":751.875,"end":759.47504,"sentiment":"neutral","sentiment_score":0.29292324862696906},{"text":"Does that sound alright with 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household?","start":939.88995,"end":943.50995,"sentiment":"neutral","sentiment_score":-0.050992535799741744}],"sentiment":"neutral","sentiment_score":-0.037484729899179434,"channel":0,"num_words":42,"start":931.875,"end":943.50995},{"sentences":[{"text":"No.","start":944.085,"end":944.405,"sentiment":"neutral","sentiment_score":-0.13929876685142517},{"text":"She's a lot younger than me.","start":944.405,"end":945.945,"sentiment":"neutral","sentiment_score":-0.14660355697075525},{"text":"She'll probably keep working once I retire.","start":946.565,"end":948.745,"sentiment":"neutral","sentiment_score":-0.09809848240443639}],"sentiment":"neutral","sentiment_score":-0.12182924896478653,"channel":1,"num_words":14,"start":944.085,"end":948.745},{"sentences":[{"text":"Yep.","start":949.73,"end":950.12994,"sentiment":"neutral","sentiment_score":0.1672886312007904},{"text":"Beautiful.","start":950.12994,"end":950.62994,"sentiment":"positive","sentiment_score":0.4657226800918579},{"text":"Let's 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moment?","start":971.41,"end":975.81,"sentiment":"neutral","sentiment_score":0.00813149896395557},{"text":"Or","start":975.81,"end":976.31,"sentiment":"neutral","sentiment_score":-0.028171833604574203}],"sentiment":"neutral","sentiment_score":0.0061146471545928055,"channel":0,"num_words":18,"start":971.41,"end":976.31},{"sentences":[{"text":"No.","start":976.845,"end":977.245,"sentiment":"neutral","sentiment_score":-0.12429215013980864},{"text":"I could not say.","start":977.245,"end":978.52496,"sentiment":"neutral","sentiment_score":-0.11904073320329189},{"text":"She's","start":978.52496,"end":979.02496,"sentiment":"neutral","sentiment_score":-0.112572580575943}],"sentiment":"neutral","sentiment_score":-0.11883794392148654,"channel":1,"num_words":6,"start":976.845,"end":979.02496},{"sentences":[{"text":"no.","start":979.64996,"end":979.89,"sentiment":"neutral","sentiment_score":-0.13104337453842163},{"text":"It's up.","start":979.89,"end":980.55,"sentiment":"neutral","sentiment_score":-0.07264472544193268}],"sentiment":"neutral","sentiment_score":-0.092110941807429,"channel":0,"num_words":3,"start":979.64996,"end":980.55},{"sentences":[{"text":"she's full time casual.","start":981.05,"end":982.49,"sentiment":"neutral","sentiment_score":-0.005565661005675793},{"text":"So and because of the kids","start":982.49,"end":984.32996,"sentiment":"neutral","sentiment_score":0.0019462148969372113}],"sentiment":"neutral","sentiment_score":-0.0010585354641079903,"channel":1,"num_words":10,"start":981.05,"end":984.32996},{"sentences":[{"text":"Right.","start":984.10504,"end":984.60504,"sentiment":"neutral","sentiment_score":0.006870376877486706}],"sentiment":"neutral","sentiment_score":0.006870376877486706,"channel":0,"num_words":1,"start":984.10504,"end":984.60504},{"sentences":[{"text":"have sport a lot, she like, she just took five days off work","start":984.32996,"end":989.31,"sentiment":"neutral","sentiment_score":-0.001926405498614678}],"sentiment":"neutral","sentiment_score":-0.001926405498614678,"channel":1,"num_words":13,"start":984.32996,"end":989.31},{"sentences":[{"text":"Yes.","start":990.025,"end":990.525,"sentiment":"neutral","sentiment_score":0.015789959579706192}],"sentiment":"neutral","sentiment_score":0.015789959579706192,"channel":0,"num_words":1,"start":990.025,"end":990.525},{"sentences":[{"text":"to do that.","start":990.17,"end":990.99,"sentiment":"neutral","sentiment_score":0.007479264711340268}],"sentiment":"neutral","sentiment_score":0.007479264711340268,"channel":1,"num_words":3,"start":990.17,"end":990.99},{"sentences":[{"text":"Yep.","start":990.74506,"end":991.24506,"sentiment":"neutral","sentiment_score":0.03590475767850876},{"text":"Okay.","start":992.10504,"end":992.42505,"sentiment":"neutral","sentiment_score":0.0325886532664299},{"text":"So it's sort of when she can work, doesn't work all the time, more casual.","start":992.42505,"end":996.685,"sentiment":"neutral","sentiment_score":0.0023673372032741707}],"sentiment":"neutral","sentiment_score":0.006117851117297131,"channel":0,"num_words":17,"start":990.74506,"end":996.685},{"sentences":[{"text":"Yeah.","start":997.615,"end":998.115,"sentiment":"neutral","sentiment_score":0.06843165308237076}],"sentiment":"neutral","sentiment_score":0.06843165308237076,"channel":1,"num_words":1,"start":997.615,"end":998.115},{"sentences":[{"text":"Yes.","start":998.99,"end":999.49,"sentiment":"neutral","sentiment_score":0.11601955443620682},{"text":"That's okay.","start":1000.51,"end":1001.25,"sentiment":"neutral","sentiment_score":0.18695783615112305},{"text":"I'll sort of focus things around your super and your super only, stoking out any additional expenditures.","start":1002.19,"end":1007.73,"sentiment":"neutral","sentiment_score":0.19177004388150046},{"text":"So we'll just look at what what we're projected to just move forward 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with regard to your super.","start":1044.3451,"end":1048.525,"sentiment":"neutral","sentiment_score":-0.033351391553878784},{"text":"So what I'm projecting for is sort of age 60, 65, and 67, but because you are in that kind of growth environment, if you were to say because real estate is 60 is only about three years away for you, if we saw a large market dip by, say, 20% due to what was happening in the world globally over the next one to three years, how do you think you might be feeling about that?","start":1048.665,"end":1074.0549,"sentiment":"neutral","sentiment_score":-0.06798577593494352},{"text":"Are you feeling like you're happy to work longer to wait for your super to recover?","start":1074.0549,"end":1078.235,"sentiment":"neutral","sentiment_score":-0.01527967443689704},{"text":"Are you wanting to put more money in and take advantage of the dip, or are you feeling a bit anxious and probably, you know, a bit concerned about your super having that kind of a dip?","start":1078.77,"end":1087.5701,"sentiment":"neutral","sentiment_score":-0.18026589924419248},{"text":"How might you feel?","start":1087.5701,"end":1088.7101,"sentiment":"neutral","sentiment_score":-0.1064815316349268}],"sentiment":"neutral","sentiment_score":-0.08703389134418392,"channel":0,"num_words":151,"start":1044.3451,"end":1088.7101},{"sentences":[{"text":"I'm not really sure.","start":1090.03,"end":1091.25,"sentiment":"neutral","sentiment_score":-0.29077980667352676},{"text":"Yeah.","start":1095.7101,"end":1096.2101,"sentiment":"neutral","sentiment_score":-0.10143376886844636},{"text":"Probably just keep it going, hope it comes back.","start":1098.27,"end":1100.93,"sentiment":"neutral","sentiment_score":-0.018471800204780366}],"sentiment":"neutral","sentiment_score":-0.1021999426718269,"channel":1,"num_words":14,"start":1090.03,"end":1100.93},{"sentences":[{"text":"Yep.","start":1102.205,"end":1102.605,"sentiment":"neutral","sentiment_score":0.08429976552724838},{"text":"Yep.","start":1102.605,"end":1102.845,"sentiment":"neutral","sentiment_score":0.09339998662471773},{"text":"So you'd be happy to work a little bit longer if you needed to?","start":1102.845,"end":1105.985,"sentiment":"neutral","sentiment_score":0.192967418049063},{"text":"Yep.","start":1107.885,"end":1108.2,"sentiment":"neutral","sentiment_score":0.06458485126495361},{"text":"Yep.","start":1108.36,"end":1108.6799,"sentiment":"neutral","sentiment_score":0.09018747508525848}],"sentiment":"neutral","sentiment_score":0.16855644062161446,"channel":0,"num_words":18,"start":1102.205,"end":1108.6799},{"sentences":[{"text":"That's 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three.","start":1131.9249,"end":1137.9299,"sentiment":"neutral","sentiment_score":-0.11443805213396747}],"sentiment":"neutral","sentiment_score":-0.08723319074335067,"channel":0,"num_words":76,"start":1108.6799,"end":1137.9299},{"sentences":[{"text":"So you're not quite at the highest level of risk and not really at the lowest level of risk.","start":1137.9299,"end":1142.2699,"sentiment":"neutral","sentiment_score":-0.2463376522064209},{"text":"Do you sort of consider yourself to be in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can out of your paper, or do","start":1143.0499,"end":1152.165,"sentiment":"neutral","sentiment_score":0.1005584113817248}],"sentiment":"neutral","sentiment_score":-0.019278410585089164,"channel":0,"num_words":55,"start":1137.9299,"end":1152.165},{"sentences":[{"text":"Yeah.","start":1152.0901,"end":1152.3301,"sentiment":"neutral","sentiment_score":0.03818284347653389}],"sentiment":"neutral","sentiment_score":0.03818284347653389,"channel":1,"num_words":1,"start":1152.0901,"end":1152.3301},{"sentences":[{"text":"you consider","start":1152.165,"end":1152.8251,"sentiment":"neutral","sentiment_score":0.02442603651434183}],"sentiment":"neutral","sentiment_score":0.02442603651434183,"channel":0,"num_words":2,"start":1152.165,"end":1152.8251},{"sentences":[{"text":"I think.","start":1152.3301,"end":1152.91,"sentiment":"neutral","sentiment_score":0.033854931592941284}],"sentiment":"neutral","sentiment_score":0.033854931592941284,"channel":1,"num_words":2,"start":1152.3301,"end":1152.91},{"sentences":[{"text":"yourself to be more a higher or lower risk taker?","start":1152.885,"end":1155.765,"sentiment":"neutral","sentiment_score":0.04333725422620773},{"text":"Where do you sort of see yourself?","start":1155.765,"end":1157.2251,"sentiment":"neutral","sentiment_score":-0.022825112034167563}],"sentiment":"neutral","sentiment_score":0.01609392694252379,"channel":0,"num_words":17,"start":1152.885,"end":1157.2251},{"sentences":[{"text":"Probably go a little bit higher in the wrist.","start":1158.81,"end":1161.39,"sentiment":"neutral","sentiment_score":-0.0638266031940778}],"sentiment":"neutral","sentiment_score":-0.0638266031940778,"channel":1,"num_words":9,"start":1158.81,"end":1161.39},{"sentences":[{"text":"A little","start":1161.4451,"end":1161.765,"sentiment":"neutral","sentiment_score":-0.03197863698005676}],"sentiment":"neutral","sentiment_score":-0.03197863698005676,"channel":0,"num_words":2,"start":1161.4451,"end":1161.765},{"sentences":[{"text":"Would 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feel?","start":1171.32,"end":1173.88,"sentiment":"neutral","sentiment_score":-0.09776399826461618}],"sentiment":"neutral","sentiment_score":-0.08977799789669613,"channel":0,"num_words":30,"start":1162.405,"end":1173.88},{"sentences":[{"text":"I mean, not ever like to see that the market is we don't like to see negative figures, but if you did over the next couple of years see your super falling value a little bit, are you feeling optimistic about the investment opportunities, maybe thinking about putting some extra money in?","start":1173.88,"end":1188.265,"sentiment":"neutral","sentiment_score":-0.1562722156254145},{"text":"Are you a bit cautious because you're closer to accessing your super?","start":1188.4851,"end":1192.0851,"sentiment":"neutral","sentiment_score":-0.24091350163022676},{"text":"Are you concerned or feeling very anxious about dips in the market?","start":1192.0851,"end":1195.5599,"sentiment":"neutral","sentiment_score":-0.2896953585247199},{"text":"Where might you 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something like that you've only ever wanted to borrow for safe property or your main primary residence?","start":1205.72,"end":1217.715,"sentiment":"neutral","sentiment_score":0.01782520838774914}],"sentiment":"neutral","sentiment_score":0.03843689414308123,"channel":0,"num_words":46,"start":1203.08,"end":1217.715},{"sentences":[{"text":"Probably.","start":1218.635,"end":1219.115,"sentiment":"neutral","sentiment_score":-0.03840694949030876},{"text":"Yeah.","start":1219.115,"end":1219.615,"sentiment":"neutral","sentiment_score":-0.024470029398798943},{"text":"I haven't thought of it.","start":1219.835,"end":1221.455,"sentiment":"neutral","sentiment_score":-0.07521525621414185}],"sentiment":"neutral","sentiment_score":-0.06270760856568813,"channel":1,"num_words":7,"start":1218.635,"end":1221.455},{"sentences":[{"text":"Yep.","start":1222.335,"end":1222.655,"sentiment":"neutral","sentiment_score":0.034261204302310944},{"text":"That's 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you might wanna stop working at 60?","start":1236.4701,"end":1245.875,"sentiment":"neutral","sentiment_score":-0.07523298103894506}],"sentiment":"neutral","sentiment_score":-0.06133464853777442,"channel":0,"num_words":43,"start":1233.03,"end":1245.875},{"sentences":[{"text":"No.","start":1246.865,"end":1247.105,"sentiment":"neutral","sentiment_score":-0.20546618103981015},{"text":"Like I said, I'm a bit of a worker.","start":1247.105,"end":1249.265,"sentiment":"neutral","sentiment_score":-0.13781944000058705},{"text":"I've been working all my life, so I'll probably keep working until","start":1249.265,"end":1252.145,"sentiment":"neutral","sentiment_score":-0.11907505616545677}],"sentiment":"neutral","sentiment_score":-0.13067008250138976,"channel":1,"num_words":22,"start":1246.865,"end":1252.145},{"sentences":[{"text":"Yes.","start":1251.91,"end":1252.41,"sentiment":"neutral","sentiment_score":-0.1351264715194702}],"sentiment":"neutral","sentiment_score":-0.1351264715194702,"channel":0,"num_words":1,"start":1251.91,"end":1252.41},{"sentences":[{"text":"I can't.","start":1252.145,"end":1252.8049,"sentiment":"neutral","sentiment_score":-0.24203751981258392}],"sentiment":"neutral","sentiment_score":-0.24203751981258392,"channel":1,"num_words":2,"start":1252.145,"end":1252.8049},{"sentences":[{"text":"Beautiful.","start":1253.91,"end":1254.41,"sentiment":"positive","sentiment_score":0.4315735995769501},{"text":"Excellent.","start":1254.55,"end":1254.95,"sentiment":"neutral","sentiment_score":-0.04294383153319359},{"text":"Just because with that, when we're looking at that sort of thing with that growth environment, I wanna make sure that you do have a generally, that's six years ahead of you before you're wanting to access that money.","start":1254.95,"end":1264.49,"sentiment":"neutral","sentiment_score":0.05215850429466137},{"text":"If you had a lesser time horizon with the ups and downs we have seen this year, I might be a bit more cautious around trying to sort of talk about reducing this level.","start":1264.865,"end":1273.4451,"sentiment":"neutral","sentiment_score":-0.10365309237557299},{"text":"But I'm happy to sort of keep you there for the next twelve months.","start":1273.8251,"end":1276.9651,"sentiment":"positive","sentiment_score":0.5081016804490771}],"sentiment":"neutral","sentiment_score":0.0675508968657657,"channel":0,"num_words":89,"start":1253.91,"end":1276.9651},{"sentences":[{"text":"I would wanna just review things in twelve months time with you.","start":1277.425,"end":1280.16,"sentiment":"neutral","sentiment_score":0.2665982445081075},{"text":"But in the meantime, I'll go back and have a look at your state for your portfolio and see if I can, you know, work on the investments a little bit, get things working a bit harder for you as well, and see if I can reduce some of your fees within your super fund.","start":1280.16,"end":1294.3201,"sentiment":"neutral","sentiment_score":0.17987266196445986},{"text":"How does that sound?","start":1294.3201,"end":1295.235,"sentiment":"neutral","sentiment_score":0.15042981877923012}],"sentiment":"neutral","sentiment_score":0.19287175517266905,"channel":0,"num_words":71,"start":1277.425,"end":1295.235},{"sentences":[{"text":"Just hands up.","start":1295.75,"end":1296.73,"sentiment":"neutral","sentiment_score":0.2536618113517761}],"sentiment":"neutral","sentiment_score":0.2536618113517761,"channel":1,"num_words":3,"start":1295.75,"end":1296.73},{"sentences":[{"text":"That sounds good.","start":1297.795,"end":1298.775,"sentiment":"positive","sentiment_score":0.6314808130264282},{"text":"Excellent.","start":1298.995,"end":1299.495,"sentiment":"positive","sentiment_score":0.5839182734489441},{"text":"Just to update a few additional circumstances for you here, your income last year was about 75,000.","start":1301.235,"end":1308.115,"sentiment":"neutral","sentiment_score":0.11472928261055666},{"text":"Are you earning about the same amount at the moment, Pete?","start":1308.115,"end":1310.76,"sentiment":"neutral","sentiment_score":0.029972467910159718}],"sentiment":"neutral","sentiment_score":0.14870173949748278,"channel":0,"num_words":32,"start":1297.795,"end":1310.76},{"sentences":[{"text":"Oh, I am.","start":1311.115,"end":1311.595,"sentiment":"neutral","sentiment_score":0.018818155551950138},{"text":"Yes.","start":1311.595,"end":1312.095,"sentiment":"neutral","sentiment_score":0.05372561514377594}],"sentiment":"neutral","sentiment_score":0.027545020449906588,"channel":1,"num_words":4,"start":1311.115,"end":1312.095},{"sentences":[{"text":"Yes.","start":1313.24,"end":1313.56,"sentiment":"neutral","sentiment_score":0.11978556215763092},{"text":"Beautiful.","start":1313.56,"end":1314.06,"sentiment":"positive","sentiment_score":0.34477531909942627},{"text":"Are you wanting to look at maybe salary sacrificing or putting more money into super, or are you finding it's not really preferable right now?","start":1315.16,"end":1322.14,"sentiment":"neutral","sentiment_score":-0.08613881438970566}],"sentiment":"neutral","sentiment_score":-0.0625522029068735,"channel":0,"num_words":27,"start":1313.24,"end":1322.14},{"sentences":[{"text":"Not right now.","start":1323.49,"end":1324.61,"sentiment":"neutral","sentiment_score":-0.18587510784467062},{"text":"No.","start":1324.61,"end":1325.11,"sentiment":"neutral","sentiment_score":-0.16978904604911804}],"sentiment":"neutral","sentiment_score":-0.18185359239578247,"channel":1,"num_words":4,"start":1323.49,"end":1325.11},{"sentences":[{"text":"Nope.","start":1326.2849,"end":1326.6849,"sentiment":"neutral","sentiment_score":-0.1751759648323059},{"text":"That's okay.","start":1326.6849,"end":1327.505,"sentiment":"neutral","sentiment_score":-0.03378468193113804},{"text":"Excellent.","start":1327.965,"end":1328.465,"sentiment":"neutral","sentiment_score":0.2971125841140747},{"text":"And are you managing to put much away in the way of savings out of your funds on a weekly basis, or is everything going towards your expenses?","start":1329.485,"end":1336.945,"sentiment":"neutral","sentiment_score":-0.005147479075406279}],"sentiment":"neutral","sentiment_score":-0.0028050674591213465,"channel":0,"num_words":32,"start":1326.2849,"end":1336.945},{"sentences":[{"text":"No.","start":1337.4451,"end":1337.685,"sentiment":"neutral","sentiment_score":-0.12540759146213531},{"text":"I arranged down towards expenses.","start":1337.685,"end":1339.225,"sentiment":"neutral","sentiment_score":-0.085848817974329}],"sentiment":"neutral","sentiment_score":-0.09244194688896339,"channel":1,"num_words":6,"start":1337.4451,"end":1339.225},{"sentences":[{"text":"Everything's gone towards expenses.","start":1340.5249,"end":1342.04,"sentiment":"neutral","sentiment_score":-0.03835765831172466},{"text":"All good.","start":1342.26,"end":1343.0801,"sentiment":"neutral","sentiment_score":0.25537533313035965},{"text":"Okay.","start":1343.3,"end":1343.7001,"sentiment":"neutral","sentiment_score":0.011310504749417303},{"text":"No saving.","start":1343.7001,"end":1344.52,"sentiment":"neutral","sentiment_score":-0.03431074880063534},{"text":"Your main primary residence, we had an asset value on that last time of around 330,000.","start":1345.7001,"end":1351.54,"sentiment":"neutral","sentiment_score":0.009936703252606094}],"sentiment":"neutral","sentiment_score":0.018359851688146592,"channel":0,"num_words":25,"start":1340.5249,"end":1351.54},{"sentences":[{"text":"Do you know what that value might be to you now?","start":1351.54,"end":1354.02,"sentiment":"neutral","sentiment_score":0.01125109771435911},{"text":"What's the value you put on your home currently?","start":1354.02,"end":1356.4401,"sentiment":"neutral","sentiment_score":0.005454744264069531}],"sentiment":"neutral","sentiment_score":0.008642738661728799,"channel":0,"num_words":20,"start":1351.54,"end":1356.4401},{"sentences":[{"text":"I've actually been watching that.","start":1357.0399,"end":1358.48,"sentiment":"neutral","sentiment_score":0.017587672919034958},{"text":"It's $3.71 now.","start":1358.48,"end":1360.4199,"sentiment":"neutral","sentiment_score":0.03538787985841433}],"sentiment":"neutral","sentiment_score":0.024262750521302223,"channel":1,"num_words":8,"start":1357.0399,"end":1360.4199},{"sentences":[{"text":"Oh, fantastic.","start":1361.4249,"end":1362.245,"sentiment":"positive","sentiment_score":0.38706573843955994},{"text":"And what would the mortgage be down to currently, do you think?","start":1363.825,"end":1367.205,"sentiment":"neutral","sentiment_score":0.06244639648745457}],"sentiment":"neutral","sentiment_score":0.10882058819489819,"channel":0,"num_words":14,"start":1361.4249,"end":1367.205},{"sentences":[{"text":"No.","start":1367.5851,"end":1367.905,"sentiment":"neutral","sentiment_score":-0.12850478291511536},{"text":"I had to redraw on that.","start":1367.905,"end":1369.685,"sentiment":"neutral","sentiment_score":-0.09155624359846115}],"sentiment":"neutral","sentiment_score":-0.09683460635798317,"channel":1,"num_words":7,"start":1367.5851,"end":1369.685},{"sentences":[{"text":"Okay.","start":1370.865,"end":1371.365,"sentiment":"neutral","sentiment_score":-0.007930791936814785}],"sentiment":"neutral","sentiment_score":-0.007930791936814785,"channel":0,"num_words":1,"start":1370.865,"end":1371.365},{"sentences":[{"text":"I think that was 160.","start":1371.905,"end":1375.4451,"sentiment":"neutral","sentiment_score":-0.009168973565101624}],"sentiment":"neutral","sentiment_score":-0.009168973565101624,"channel":1,"num_words":5,"start":1371.905,"end":1375.4451},{"sentences":[{"text":"$101.06 0.","start":1378.01,"end":1379.45,"sentiment":"neutral","sentiment_score":-0.004898455343209207},{"text":"Sorry.","start":1379.45,"end":1379.85,"sentiment":"neutral","sentiment_score":-0.05338673293590546},{"text":"Is that right?","start":1379.85,"end":1380.6699,"sentiment":"neutral","sentiment_score":-0.028610317036509514}],"sentiment":"neutral","sentiment_score":-0.024835765788642068,"channel":0,"num_words":6,"start":1378.01,"end":1380.6699},{"sentences":[{"text":"Yes.","start":1380.73,"end":1381.05,"sentiment":"neutral","sentiment_score":0.026790710166096687},{"text":"That's correct.","start":1381.05,"end":1381.79,"sentiment":"neutral","sentiment_score":0.03456874191761017}],"sentiment":"neutral","sentiment_score":0.031976064667105675,"channel":1,"num_words":3,"start":1380.73,"end":1381.79},{"sentences":[{"text":"160,000?","start":1382.8099,"end":1384.2699,"sentiment":"neutral","sentiment_score":0.01195463165640831},{"text":"Okay.","start":1384.49,"end":1384.99,"sentiment":"neutral","sentiment_score":-0.02350468933582306},{"text":"And then I've got your car, your h x one tonner.","start":1386.085,"end":1389.065,"sentiment":"neutral","sentiment_score":0.06476731835441156},{"text":"You valued that last year at about 45,000.","start":1389.445,"end":1392.345,"sentiment":"neutral","sentiment_score":0.0819517052732408},{"text":"Would you still keep it about the same value?","start":1392.6449,"end":1394.985,"sentiment":"neutral","sentiment_score":0.056076392945316106}],"sentiment":"neutral","sentiment_score":0.06203972076376279,"channel":0,"num_words":30,"start":1382.8099,"end":1394.985},{"sentences":[{"text":"Yes.","start":1394.895,"end":1395.395,"sentiment":"neutral","sentiment_score":0.13119783997535706},{"text":"It would.","start":1396.8151,"end":1397.555,"sentiment":"neutral","sentiment_score":0.15490296483039856}],"sentiment":"neutral","sentiment_score":0.14700125654538473,"channel":1,"num_words":3,"start":1394.895,"end":1397.555},{"sentences":[{"text":"Yep.","start":1398.73,"end":1399.05,"sentiment":"neutral","sentiment_score":0.08146535605192184},{"text":"And you own a vehicle outright?","start":1399.05,"end":1400.91,"sentiment":"neutral","sentiment_score":0.05967211661239465}],"sentiment":"neutral","sentiment_score":0.06278543653232711,"channel":0,"num_words":7,"start":1398.73,"end":1400.91},{"sentences":[{"text":"Yes.","start":1401.855,"end":1402.355,"sentiment":"neutral","sentiment_score":0.10522891581058502}],"sentiment":"neutral","sentiment_score":0.10522891581058502,"channel":1,"num_words":1,"start":1401.855,"end":1402.355},{"sentences":[{"text":"Yep.","start":1403.53,"end":1403.93,"sentiment":"neutral","sentiment_score":0.19270148873329165},{"text":"Beautiful.","start":1403.93,"end":1404.43,"sentiment":"positive","sentiment_score":0.6118364334106445},{"text":"Other assets I try to note down are things like content.","start":1405.29,"end":1408.17,"sentiment":"neutral","sentiment_score":0.17427025667645715},{"text":"I know it looks a bit funny, but content is still technically an asset.","start":1408.17,"end":1412.295,"sentiment":"neutral","sentiment_score":0.03666242478149278},{"text":"If you tip your house upside down and everything fell out, if you had to replace all those items, it could cost quite a bit.","start":1412.295,"end":1418.795,"sentiment":"neutral","sentiment_score":-0.24663089573383332}],"sentiment":"neutral","sentiment_score":-0.05636514809269171,"channel":0,"num_words":52,"start":1403.53,"end":1418.795},{"sentences":[{"text":"Do you have content insurance on your property?","start":1419.335,"end":1421.835,"sentiment":"neutral","sentiment_score":-0.006124430801719427}],"sentiment":"neutral","sentiment_score":-0.006124430801719427,"channel":0,"num_words":8,"start":1419.335,"end":1421.835},{"sentences":[{"text":"Yes.","start":1422.5801,"end":1422.8201,"sentiment":"neutral","sentiment_score":0.05735466629266739},{"text":"I 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35.","start":1428.465,"end":1431.365,"sentiment":"neutral","sentiment_score":-0.020269651232021197}],"sentiment":"neutral","sentiment_score":-0.020269651232021197,"channel":1,"num_words":7,"start":1428.465,"end":1431.365},{"sentences":[{"text":"35?","start":1432.72,"end":1433.44,"sentiment":"neutral","sentiment_score":0.007371770218014717},{"text":"Yep.","start":1433.44,"end":1433.9199,"sentiment":"neutral","sentiment_score":0.09729286283254623},{"text":"Beautiful.","start":1433.9199,"end":1434.4199,"sentiment":"positive","sentiment_score":0.4095808863639831},{"text":"And do you have any other shares or collections or tools of trade or cars, boats, or caravans you put value on?","start":1435.6849,"end":1443.545,"sentiment":"neutral","sentiment_score":0.07709831862964413}],"sentiment":"neutral","sentiment_score":0.0884163411706686,"channel":0,"num_words":25,"start":1432.72,"end":1443.545},{"sentences":[{"text":"No.","start":1443.9801,"end":1444.4801,"sentiment":"neutral","sentiment_score":-0.07001501321792603}],"sentiment":"neutral","sentiment_score":-0.07001501321792603,"channel":1,"num_words":1,"start":1443.9801,"end":1444.4801},{"sentences":[{"text":"Nope.","start":1445.765,"end":1446.085,"sentiment":"neutral","sentiment_score":-0.07450048625469208},{"text":"That's okay.","start":1446.085,"end":1446.985,"sentiment":"neutral","sentiment_score":0.0294597540050745},{"text":"The other thing to look at is now I believe a couple of years back, we had it noted that you had a Sunsuper account, and that also has some insurances in it.","start":1448.16,"end":1457.6001,"sentiment":"neutral","sentiment_score":0.015627624184796303},{"text":"Are you aware if you still have that Sunsuper account?","start":1457.6001,"end":1460.5801,"sentiment":"neutral","sentiment_score":0.022172882035374642}],"sentiment":"neutral","sentiment_score":0.015692596526249596,"channel":0,"num_words":46,"start":1445.765,"end":1460.5801},{"sentences":[{"text":"Yes.","start":1460.825,"end":1461.225,"sentiment":"neutral","sentiment_score":0.10362870991230012},{"text":"I do.","start":1461.225,"end":1461.885,"sentiment":"neutral","sentiment_score":0.12773382663726807}],"sentiment":"neutral","sentiment_score":0.11969878772894542,"channel":1,"num_words":3,"start":1460.825,"end":1461.885},{"sentences":[{"text":"You do?","start":1463.075,"end":1463.5549,"sentiment":"neutral","sentiment_score":0.11263316497206688},{"text":"Because I can see your there are contributions coming into Hub twenty four as well.","start":1463.5549,"end":1469.815,"sentiment":"neutral","sentiment_score":0.16747234364350636},{"text":"So I just wanna make sure that we do that you do still have that account, what the insurances look like for you.","start":1469.875,"end":1477.68,"sentiment":"neutral","sentiment_score":0.1402180078236953},{"text":"Back when we last spoke to your insurance level within that sunsuit, it was about 83,000 of life and TBD.","start":1478.54,"end":1484.7201,"sentiment":"neutral","sentiment_score":-0.005681889085099101},{"text":"I would need to do some research to find out what the insurance levels are now.","start":1484.9401,"end":1488.7201,"sentiment":"neutral","sentiment_score":-0.05202037561684847}],"sentiment":"neutral","sentiment_score":0.066005287802239,"channel":0,"num_words":76,"start":1463.075,"end":1488.7201},{"sentences":[{"text":"But when you think about insurances versus your super because they are paid out of your super, is keeping those insurances still important to you until you kinda hit those retirement years, or what's the thoughts around your insurance aspect at the moment?","start":1490.045,"end":1504.77,"sentiment":"neutral","sentiment_score":-0.023690617188464765},{"text":"Mhmm.","start":1504.77,"end":1505.27,"sentiment":"neutral","sentiment_score":-0.04379722476005554}],"sentiment":"neutral","sentiment_score":-0.024147585542364555,"channel":0,"num_words":44,"start":1490.045,"end":1505.27},{"sentences":[{"text":"The reason being we kept like, you guys and myself have kept","start":1506.015,"end":1511.055,"sentiment":"neutral","sentiment_score":-0.08606323599815369}],"sentiment":"neutral","sentiment_score":-0.08606323599815369,"channel":1,"num_words":12,"start":1506.015,"end":1511.055},{"sentences":[{"text":"Mhmm.","start":1510.7776,"end":1511.2776,"sentiment":"neutral","sentiment_score":-0.06340129673480988}],"sentiment":"neutral","sentiment_score":-0.06340129673480988,"channel":0,"num_words":1,"start":1510.7776,"end":1511.2776},{"sentences":[{"text":"the super the Sunsuper account was because you we couldn't find a life insurance cheap enough, and the Sunsuper had life insurance in it.","start":1511.055,"end":1525.4199,"sentiment":"neutral","sentiment_score":-0.11650837740550439},{"text":"So that's why we kept that money in there.","start":1525.4199,"end":1528.8799,"sentiment":"neutral","sentiment_score":-0.05216905764407582}],"sentiment":"neutral","sentiment_score":-0.09896129019784206,"channel":1,"num_words":33,"start":1511.055,"end":1528.8799},{"sentences":[{"text":"Yeah.","start":1530.225,"end":1530.725,"sentiment":"neutral","sentiment_score":0.038359347730875015}],"sentiment":"neutral","sentiment_score":0.038359347730875015,"channel":0,"num_words":1,"start":1530.225,"end":1530.725},{"sentences":[{"text":"And I 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on a bit later if you're able to.","start":1555.735,"end":1558.215,"sentiment":"neutral","sentiment_score":0.04361604297390351},{"text":"Just obtain a bit of a statement for us there just so we can double check the balance you have in the account.","start":1558.215,"end":1565.11,"sentiment":"neutral","sentiment_score":0.09974810562056044},{"text":"We can check the investments, make sure everything's working harder for you, and check the insurance levels as well to make sure you're holding those covers a little bit 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get my admin team member to sort of follow-up on that with you if that's okay.","start":1576.795,"end":1580.655,"sentiment":"positive","sentiment_score":0.3442653329933391}],"sentiment":"positive","sentiment_score":0.3627672576242023,"channel":0,"num_words":18,"start":1576.3151,"end":1580.655},{"sentences":[{"text":"Oh, that there you go.","start":1580.7999,"end":1581.6799,"sentiment":"neutral","sentiment_score":0.11997518837451934},{"text":"That's fine.","start":1581.6799,"end":1582.4199,"sentiment":"neutral","sentiment_score":0.2367796003818512},{"text":"I actually think Sunsuper","start":1582.72,"end":1584.1,"sentiment":"neutral","sentiment_score":0.07534362375736237}],"sentiment":"neutral","sentiment_score":0.12498269433324988,"channel":1,"num_words":11,"start":1580.7999,"end":1584.1},{"sentences":[{"text":"Yep.","start":1583.755,"end":1584.255,"sentiment":"neutral","sentiment_score":0.03877990692853928}],"sentiment":"neutral","sentiment_score":0.03877990692853928,"channel":0,"num_words":1,"start":1583.755,"end":1584.255},{"sentences":[{"text":"has changed their name to Australian.","start":1584.24,"end":1586.66,"sentiment":"neutral","sentiment_score":0.0032307223106424012}],"sentiment":"neutral","sentiment_score":0.0032307223106424012,"channel":1,"num_words":6,"start":1584.24,"end":1586.66},{"sentences":[{"text":"We're trying to 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funds are getting bought out by each other.","start":1593.6499,"end":1595.83,"sentiment":"neutral","sentiment_score":-0.04655973157948918}],"sentiment":"neutral","sentiment_score":-0.04655973157948918,"channel":0,"num_words":9,"start":1593.6499,"end":1595.83},{"sentences":[{"text":"yeah.","start":1596.7549,"end":1597.2549,"sentiment":"neutral","sentiment_score":0.015792516991496086},{"text":"So I'd","start":1598.6749,"end":1599.3949,"sentiment":"neutral","sentiment_score":0.03269769251346588}],"sentiment":"neutral","sentiment_score":0.027062634006142616,"channel":1,"num_words":3,"start":1596.7549,"end":1599.3949},{"sentences":[{"text":"For","start":1599.33,"end":1599.73,"sentiment":"neutral","sentiment_score":0.07023080438375473}],"sentiment":"neutral","sentiment_score":0.07023080438375473,"channel":0,"num_words":1,"start":1599.33,"end":1599.73},{"sentences":[{"text":"love to 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follow-up on that for you just to obtain that.","start":1606.195,"end":1609.1749,"sentiment":"neutral","sentiment_score":0.030199056829918514},{"text":"You had life and TBD in there.","start":1610.035,"end":1612.4349,"sentiment":"neutral","sentiment_score":-0.004546206843640123},{"text":"Do you understand what life and TBD are, how they work, and what they pay out, essentially?","start":1612.4349,"end":1616.035,"sentiment":"neutral","sentiment_score":-0.012157254742787164},{"text":"No.","start":1616.035,"end":1616.115,"sentiment":"neutral","sentiment_score":-0.13570542633533478},{"text":"That's","start":1616.115,"end":1616.615,"sentiment":"neutral","sentiment_score":-0.10005722939968108}],"sentiment":"neutral","sentiment_score":-0.0038397245713182398,"channel":0,"num_words":37,"start":1606.195,"end":1616.615},{"sentences":[{"text":"No.","start":1618.505,"end":1618.6649,"sentiment":"neutral","sentiment_score":-0.2170043587684631},{"text":"I don't really.","start":1618.6649,"end":1619.6449,"sentiment":"neutral","sentiment_score":-0.19264868895212808}],"sentiment":"neutral","sentiment_score":-0.19873760640621185,"channel":1,"num_words":4,"start":1618.505,"end":1619.6449},{"sentences":[{"text":"essentially?","start":1620.01,"end":1620.51,"sentiment":"neutral","sentiment_score":-0.10997088998556136},{"text":"No.","start":1620.6499,"end":1620.8899,"sentiment":"neutral","sentiment_score":-0.16245099902153015},{"text":"That's okay.","start":1620.8899,"end":1621.61,"sentiment":"neutral","sentiment_score":-0.06951336562633514},{"text":"So to give you just a quick rundown, life cover pays out a lump sum benefit to your beneficiaries if you were to pass away.","start":1621.61,"end":1628.19,"sentiment":"neutral","sentiment_score":-0.06968622282147408},{"text":"I'll obviously just go back and double check the level of cover that do have.","start":1628.8099,"end":1632.665,"sentiment":"neutral","sentiment_score":-0.028012539116510502}],"sentiment":"neutral","sentiment_score":-0.058495279035097075,"channel":0,"num_words":44,"start":1620.01,"end":1632.665},{"sentences":[{"text":"But based on, say, 83,000 of life cover, and if you were to then pass away, your super balance is also paid at your beneficiary.","start":1632.9651,"end":1640.8251,"sentiment":"neutral","sentiment_score":-0.04959979012608528},{"text":"So am I right in assuming your beneficiary should be your partner?","start":1641.365,"end":1645.8451,"sentiment":"neutral","sentiment_score":0.004982151401539643},{"text":"Is that right?","start":1645.8451,"end":1646.745,"sentiment":"neutral","sentiment_score":0.035688817501068115},{"text":"I've 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Crescents.","start":1648.375,"end":1649.595,"sentiment":"neutral","sentiment_score":0.01780296303331852}],"sentiment":"neutral","sentiment_score":0.01780296303331852,"channel":1,"num_words":2,"start":1648.375,"end":1649.595},{"sentences":[{"text":"Yep.","start":1649.1,"end":1649.6,"sentiment":"neutral","sentiment_score":0.33105605840682983},{"text":"Beautiful.","start":1649.66,"end":1650.16,"sentiment":"positive","sentiment_score":0.6775718331336975},{"text":"Yep.","start":1650.62,"end":1651.02,"sentiment":"positive","sentiment_score":0.43336939811706543},{"text":"Beautiful.","start":1651.02,"end":1651.52,"sentiment":"positive","sentiment_score":0.7051910161972046},{"text":"I never like to assume, but just like to double check to make sure that's what your wishes are.","start":1651.5801,"end":1656.3201,"sentiment":"neutral","sentiment_score":0.22248282244330958}],"sentiment":"neutral","sentiment_score":0.2771461709685948,"channel":0,"num_words":23,"start":1649.1,"end":1656.3201},{"sentences":[{"text":"But if we sort of have a look at that, so based on a life cover of 83,000 plus a 192,095 of super paid out there for you,","start":1657.42,"end":1667.865,"sentiment":"neutral","sentiment_score":0.18250077590346336}],"sentiment":"neutral","sentiment_score":0.18250077590346336,"channel":0,"num_words":28,"start":1657.42,"end":1667.865},{"sentences":[{"text":"Yep.","start":1668.98,"end":1669.48,"sentiment":"neutral","sentiment_score":0.21458303928375244}],"sentiment":"neutral","sentiment_score":0.21458303928375244,"channel":1,"num_words":1,"start":1668.98,"end":1669.48},{"sentences":[{"text":"$0.09 5, it essentially means that she could get a lump sum benefit of 275,095 that could pay out the mortgage owing a 160,000 and then still leave her with some additional income or additional funds to sorta help around about a 115,000, give or take, to help look after the kids and, you know, move forward a little bit.","start":1669.125,"end":1693.225,"sentiment":"neutral","sentiment_score":0.32987638041377065},{"text":"Do you feel like that's sufficient?","start":1693.225,"end":1694.765,"sentiment":"neutral","sentiment_score":0.1557693195839723}],"sentiment":"neutral","sentiment_score":0.3140484657928799,"channel":0,"num_words":66,"start":1669.125,"end":1694.765},{"sentences":[{"text":"For now, yes.","start":1697.0,"end":1698.14,"sentiment":"neutral","sentiment_score":0.20334404210249582},{"text":"I 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and","start":2034.355,"end":2037.5549,"sentiment":"neutral","sentiment_score":0.07940040694342719}],"sentiment":"neutral","sentiment_score":0.05982255409989092,"channel":0,"num_words":90,"start":2011.665,"end":2037.5549},{"sentences":[{"text":"Yep.","start":2037.5199,"end":2038.0199,"sentiment":"neutral","sentiment_score":0.0049736215732991695}],"sentiment":"neutral","sentiment_score":0.0049736215732991695,"channel":1,"num_words":1,"start":2037.5199,"end":2038.0199},{"sentences":[{"text":"they can sort of help to put you in touch and do a will nice and cheap.","start":2037.5549,"end":2040.755,"sentiment":"positive","sentiment_score":0.5005593966035282},{"text":"But doing a will and power of attorney is extremely important, especially where there are, you know, past family members and kids involved and things like that.","start":2040.755,"end":2049.74,"sentiment":"neutral","sentiment_score":0.2658351610104243},{"text":"Just making sure that everything is, you know, as per your wishes in 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you.","start":2203.8098,"end":2213.91,"sentiment":"neutral","sentiment_score":0.25974588019725603}],"sentiment":"neutral","sentiment_score":0.27556357621136357,"channel":0,"num_words":59,"start":2197.345,"end":2213.91},{"sentences":[{"text":"Yep.","start":2214.42,"end":2214.92,"sentiment":"neutral","sentiment_score":0.2264690101146698}],"sentiment":"neutral","sentiment_score":0.2264690101146698,"channel":1,"num_words":1,"start":2214.42,"end":2214.92},{"sentences":[{"text":"And other than that, everything else looks like it's pretty well covered for the moment.","start":2215.0898,"end":2221.7349,"sentiment":"neutral","sentiment_score":0.3152826478083928},{"text":"Do you have any questions?","start":2222.275,"end":2223.555,"sentiment":"neutral","sentiment_score":0.09214833080768585},{"text":"I'm sorry.","start":2223.555,"end":2223.9548,"sentiment":"neutral","sentiment_score":-0.0516708567738533},{"text":"I know I touched on quite a lot of bits and pieces, but do you have any questions for me at the moment?","start":2223.9548,"end":2228.295,"sentiment":"neutral","sentiment_score":-0.035783266972588455}],"sentiment":"neutral","sentiment_score":0.09474721149437958,"channel":0,"num_words":45,"start":2215.0898,"end":2228.295},{"sentences":[{"text":"No.","start":2229.6099,"end":2229.69,"sentiment":"negative","sentiment_score":-0.35344287753105164},{"text":"I do not.","start":2229.69,"end":2230.59,"sentiment":"negative","sentiment_score":-0.3508569896221161}],"sentiment":"negative","sentiment_score":-0.35150346159935,"channel":1,"num_words":4,"start":2229.6099,"end":2230.59},{"sentences":[{"text":"No.","start":2232.01,"end":2232.33,"sentiment":"neutral","sentiment_score":-0.22882725298404696},{"text":"Beautiful.","start":2232.33,"end":2232.83,"sentiment":"neutral","sentiment_score":0.2040538489818573},{"text":"Well, I will let you go.","start":2232.9702,"end":2234.33,"sentiment":"positive","sentiment_score":0.3907245049873988},{"text":"I thank you so much for your time today.","start":2234.33,"end":2236.51,"sentiment":"positive","sentiment_score":0.7098918755849203},{"text":"I'll get my colleague, Samantha, to follow-up on the sun super statement, and then we'll come back and just follow-up with additional conversation around the insurance level for you.","start":2236.81,"end":2245.065,"sentiment":"neutral","sentiment_score":0.30775013874317036}],"sentiment":"positive","sentiment_score":0.3833337941247484,"channel":0,"num_words":46,"start":2232.01,"end":2245.065},{"sentences":[{"text":"Righto.","start":2245.665,"end":2246.165,"sentiment":"neutral","sentiment_score":0.2907242476940155},{"text":"Yep.","start":2246.305,"end":2246.545,"sentiment":"positive","sentiment_score":0.33618658781051636},{"text":"That'll be 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too.","start":2254.9788,"end":2255.7988,"sentiment":"positive","sentiment_score":0.3801710903644562},{"text":"Talk to you soon.","start":2255.939,"end":2256.919,"sentiment":"neutral","sentiment_score":0.3229757994413376}],"sentiment":"positive","sentiment_score":0.4190780147910118,"channel":1,"num_words":8,"start":2254.419,"end":2256.919},{"sentences":[{"text":"See you later until soon.","start":2257.145,"end":2258.585,"sentiment":"neutral","sentiment_score":0.24350694417953492},{"text":"Bye.","start":2258.585,"end":2259.085,"sentiment":"neutral","sentiment_score":0.16231012344360352}],"sentiment":"neutral","sentiment_score":0.22997414072354636,"channel":0,"num_words":6,"start":2257.145,"end":2259.085},{"sentences":[{"text":"Bye.","start":2259.4587,"end":2259.9587,"sentiment":"neutral","sentiment_score":0.11002618074417114},{"text":"What's 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They also discuss Thomas's current balance and retirement goals, including reducing risk levels and staying cautious. The agent suggests updating the customer's portfolio and reducing fees to reduce fees and fees, and emphasizes the importance of creating a will and staying within the current coverage. They also discuss the risks of investing in a super fund and the possibility of taking out a loan. The agent emphasizes the importance of creating a will and staying within the current coverage, and plans to follow up with a statement and discuss the insurance level for the customer."},"intents":{"segments":[{"text":"Before I jump into the call, I just need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah.","start_word":40,"end_word":72,"intents":[{"intent":"Record calls","confidence_score":0.024773581}]},{"text":"And still quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file. It's Thomas Peter Walton. Four from the Yep. first sixty nine. Yep. Address, Street, Tara, Queensland, 4421. Beautiful.","start_word":77,"end_word":121,"intents":[{"intent":"Confirm information","confidence_score":0.013095459}]},{"text":"So your with your essentially, l to give you a bit of a rundown there, our ongoing service fees have not changed over the last couple of years, but technically not really changing now.","start_word":326,"end_word":359,"intents":[{"intent":"Providing fees and discrepancy","confidence_score":0.0000050385456},{"intent":"Demonstrate fee discrepancy","confidence_score":0.00016751616}]},{"text":"So, essentially, what we wanted to do was to kinda update the the structure.","start_word":398,"end_word":411,"intents":[{"intent":"Updating structure","confidence_score":0.004211536}]},{"text":"So we've decided from here on out, we're actually gonna work out what the the fee is as a dollar figure and disclose that to you and have that as in the hub 24.","start_word":476,"end_word":509,"intents":[{"intent":"Working out fee amount","confidence_score":0.0054942057}]},{"text":"Do you know it will be 3,331 and 7<unk>, and it's it will not go up above that in any way, shape, or form. Does that make sense?","start_word":556,"end_word":583,"intents":[{"intent":"Expressing uncertainty","confidence_score":0.0073090866}]},{"text":"Do you know it will be 3,331 and 7<unk>, and it's it will not go up above that in any way, shape, or form. Does that make sense? Yes.","start_word":556,"end_word":584,"intents":[{"intent":"Providing confirmation","confidence_score":0.0046431683}]},{"text":"We just wanted to make sure that the fee was a little bit more disclosed, a little bit more open, and so having a set dollar figure essentially means that we've worked out in advance what you're expected to pay based on the percentage you're in, but it means that if you get a 20% return, your fee is not gonna go up to encompass that return.","start_word":588,"end_word":654,"intents":[{"intent":"Discussing return percentage","confidence_score":0.001317508}]},{"text":"So it's just kinda giving you more clarity and certainty around what our ongoing service fee is for the year, knowing that it won't go over that amount. Does that make sense?","start_word":676,"end_word":707,"intents":[{"intent":"Clarify service fee information","confidence_score":0.0013735394}]},{"text":"When I look at your portfolio as a whole and I break down the individual investments, most things are working really well, and we have seen a lot of ups and downs.","start_word":1093,"end_word":1124,"intents":[{"intent":"Analyze portfolios","confidence_score":0.14620718}]},{"text":"If you are wanting to kind of look at retiring earlier, I would wanna start maybe reducing your risk level a little bit, but also considering extra contributions in to provide that boost to make sure you get that longevity.","start_word":1728,"end_word":1767,"intents":[{"intent":"Explore retirement options","confidence_score":0.00071393605}]},{"text":"I'll probably just keep working until I can. Yeah.","start_word":1837,"end_word":1845,"intents":[{"intent":"Continue working until age 65","confidence_score":0.00026327002}]},{"text":"When I look at the underlying investments, you've been in this portfolio for a little bit, and most things are working really, really well. But I can see a couple of areas I would like to maybe look at updating.","start_word":1849,"end_word":1888,"intents":[{"intent":"Reconsider investments","confidence_score":0.0067174784}]},{"text":"So you do have a portfolio that came into play about a year or two ago. You've got one of your underlying investments in there. You've been along Australian Equities. Australian Equities are actually performing quite well with that one investment is sort of underperforming a little bit at the moment.","start_word":1889,"end_word":1939,"intents":[{"intent":"Identify portfolio weaknesses","confidence_score":0.00025512252}]},{"text":"So I would like to maybe go back if you're comfortable with it, reassess your portfolio, look at your goals, and maybe look at where we expect to be at age six and 65 and 67 for you. Does that sound okay?","start_word":1940,"end_word":1981,"intents":[{"intent":"Restructure portfolio","confidence_score":0.010911741},{"intent":"Analyze retirement goals","confidence_score":0.0009200956}]},{"text":"Find you something that might be a little bit you know, provide me a bit more diversification. I can look at maybe a portfolio that might be cheaper. You know, paying less than investment fees is never a bad thing. And then sort of see where that's tracking and see if I can find something better performing for you to give you a little bit more of a boost towards your retirement goals.","start_word":1991,"end_word":2063,"intents":[{"intent":"Reflect on retirement goals","confidence_score":0.0015100614},{"intent":"Assess portfolio diversification","confidence_score":0.05612922}]},{"text":"I can look at maybe a portfolio that might be cheaper. You know, paying less than investment fees is never a bad thing. And then sort of see where that's tracking and see if I can find something better performing for you to give you a little bit more of a boost towards your retirement goals.","start_word":2008,"end_word":2063,"intents":[{"intent":"Consider alternative investments","confidence_score":0.00024671984}]},{"text":"When you do retire, do you know what kind of income you're going to need to draw down or going to want to live off on a weekly basis? Have you thought about that thus far?","start_word":2123,"end_word":2158,"intents":[{"intent":"Provide financial advice","confidence_score":0.00006036352},{"intent":"Determine financial needs","confidence_score":0.016636243},{"intent":"Determine retirement income","confidence_score":0.0068198326}]},{"text":"Well, at the moment, I'm sort of living on 800 a week. Yep.","start_word":2172,"end_word":2184,"intents":[{"intent":"Determine preferred living plan","confidence_score":0.0018984071}]},{"text":"And because you still have a mortgage at the moment, don't you? You've well, we had then you owed about a 110,000 on your main primary residence. Do you still owe have a loan on that one? Yes. I do.","start_word":2215,"end_word":2254,"intents":[{"intent":"Determine mortgage interest","confidence_score":0.0050294953}]},{"text":"But if you still have that, do you want me just to project forward on $800 a week to see what that looks like for the time being, or would you like me just to create a bit of a buffer and increase the weekly living to, say, $85,900 to give you a bit more wiggle room?","start_word":2345,"end_word":2401,"intents":[{"intent":"Decrease weekly living amount","confidence_score":0.000012105974}]},{"text":"And is she younger than you, older than you, would she willing to retire at the same time as you, do you think? Or would that money still or would her income still be coming into the household? No.","start_word":2520,"end_word":2558,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.20342262}]},{"text":"I can easily because age 67 is only just that ten years away at this point, I can factor in just a limited scope of Centrelink for you, just showing you, you know, at 67 based on your assets now, you'll be whether you're eligible for Centrelink and how that can help product provide a little bit of longevity to your statement. Does that sound okay?","start_word":2752,"end_word":2817,"intents":[{"intent":"Obtain information about centrelink's 67-year-old age","confidence_score":1.90139e-9},{"intent":"Explore the use of centrelink","confidence_score":2.1744981e-7}]},{"text":"the other thing to sort of look at is the risk level with regard to your super.","start_word":2824,"end_word":2840,"intents":[{"intent":"Assess risk level","confidence_score":0.043873537},{"intent":"Discuss risks","confidence_score":0.0000040971945},{"intent":"Inquire about the risk level","confidence_score":0.0035330297}]},{"text":"Are you feeling like you're happy to work longer to wait for your super to recover? Are you wanting to put more money in and take advantage of the dip, or are you feeling a bit anxious and probably, you know, a bit concerned about your super having that kind of a dip? How might you feel?","start_word":2918,"end_word":2974,"intents":[{"intent":"Evaluate the potential health of maximizing super","confidence_score":2.217826e-8}]},{"text":"Probably just keep it going, hope it comes back. Yep.","start_word":2980,"end_word":2989,"intents":[{"intent":"Propose future work","confidence_score":0.000043042324}]},{"text":"So you'd be happy to work a little bit longer if you needed to? Yep. Yep.","start_word":2991,"end_word":3006,"intents":[{"intent":"State the willingness to work longer","confidence_score":0.00007457191}]},{"text":"When you think of the risk level you're taking, as I kinda mentioned with that growth environment, you see about 80 in those high risk assets like shares, commodities like gold and silver, and property. When you think of the risk level, if you consider risk out of a number between one and five, you're sitting about a three. So you're not quite at the highest level of risk and not really at the lowest level of risk.","start_word":3024,"end_word":3101,"intents":[{"intent":"Mention a risk level","confidence_score":0.000024373681}]},{"text":"Do you sort of consider yourself to be in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can out of your paper, or do Yeah.","start_word":3103,"end_word":3139,"intents":[{"intent":"Assess risk tolerance","confidence_score":0.018935172}]},{"text":"Just to update a few additional circumstances for you here, your income last year was about 75,000. Are you earning about the same amount at the moment, Pete?","start_word":3614,"end_word":3641,"intents":[{"intent":"Check financial situation","confidence_score":0.0034075188}]},{"text":"Back when we last spoke to your insurance level within that sunsuit, it was about 83,000 of life and TBD. I would need to do some research to find out what the insurance levels are now. But when you think about insurances versus your super because they are paid out of your super, is keeping those insurances still important to you until you kinda hit those retirement years, or what's the thoughts around your insurance aspect at the moment?","start_word":4043,"end_word":4121,"intents":[{"intent":"Discuss insurance options","confidence_score":0.00044803167}]},{"text":"Like you said, it's only $8,083,000 last time I looked. I'd have to double Yeah. check on that I one. yeah.","start_word":4207,"end_word":4227,"intents":[{"intent":"Check balance","confidence_score":0.13482958}]},{"text":"I actually think Sunsuper Yep. has changed their name to Australian. We're trying to trust. Yeah. Yeah.","start_word":4330,"end_word":4346,"intents":[{"intent":"Confirm trust","confidence_score":0.00051062525}]},{"text":"Do you understand what life and TBD are, how they work, and what they pay out, essentially? No.","start_word":4404,"end_word":4421,"intents":[{"intent":"Provide information","confidence_score":0.06609316}]},{"text":"No.","start_word":4421,"end_word":4421,"intents":[{"intent":"Confirm understanding of life cover","confidence_score":0.00056916615}]},{"text":"So am I right in assuming your beneficiary should be your partner? Is that right?","start_word":4496,"end_word":4510,"intents":[{"intent":"Confirm partnership","confidence_score":0.11513455}]},{"text":"$0.09 5, it essentially means that she could get a lump sum benefit of 275,095 that could pay out the mortgage owing a 160,000 and then still leave her with some additional income or additional funds to sorta help around about a 115,000, give or take, to help look after the kids and, you know, move forward a little bit. Do you feel like that's sufficient? For now, yes.","start_word":4569,"end_word":4637,"intents":[{"intent":"Inquire about benefits","confidence_score":0.0063275443}]},{"text":"But, yeah, it's brought us about what's important to you, whether that level of cover is sufficient or whether you think you might need more cover, and we go out there and try to find that for you. What is how do you feel about that at the moment?","start_word":4854,"end_word":4902,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.041693654}]},{"text":"So what I'll do is once we do get a a statement from you, I'll just make a time to come back and have a quick conversation around the insurance levels that you've got. We can talk about what your goals are with insurance and just make sure you're comfortable with the level of cover that you do hold. Okay? Yeah.","start_word":5319,"end_word":5379,"intents":[{"intent":"Discuss insurance levels","confidence_score":0.22690593}]},{"text":"And the other thing with the estate planning side of things is have yourself, your partner, Renee, ever sort of looked at getting a power of attorney or drawing a will or anything like that? Have you guys talked about that in the past? We have talked about it.","start_word":5382,"end_word":5430,"intents":[{"intent":"Discuss estate planning","confidence_score":0.70242846}]},{"text":"There are other options, though, if you you know, you can use, like, a will kit from the post office if you prefer to to make it cheaper and easier, or you can through all the states and territories.","start_word":5491,"end_word":5529,"intents":[{"intent":"Provide will kit","confidence_score":0.017231122}]},{"text":"they can sort of help to put you in touch and do a will nice and cheap. But doing a will and power of attorney is extremely important, especially where there are, you know, past family members and kids involved and things like that.","start_word":5564,"end_word":5607,"intents":[{"intent":"Make a will and power of attorney","confidence_score":0.053265177}]},{"text":"This is on letting you know that the the local government trustees do also set up rules nice and cheap for you as well. And if you just Google the Queensland trustee, it can come up with, you know, how how they can help you. They do them over the phone and things like that as well just to sort of make sure that everything's protected for you. Yes.","start_word":5776,"end_word":5844,"intents":[{"intent":"Provide assistance and instructions for protecting assets","confidence_score":0.00015736163}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Thomas. It's Dana from IT Financial. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.17371270060539246},{"text":"I'm very well. Thank you. I have you booked in to go through your annual review this morning.","start_word":11,"end_word":28,"sentiment":"positive","sentiment_score":0.4896661937236786},{"text":"Is that a good time there for you? Yes.","start_word":29,"end_word":37,"sentiment":"neutral","sentiment_score":0.2987382411956787},{"text":"Oh, fantastic.","start_word":38,"end_word":39,"sentiment":"positive","sentiment_score":0.5761274099349976},{"text":"Before I jump into the call, I just need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. No. That's fine.","start_word":40,"end_word":75,"sentiment":"neutral","sentiment_score":0.1672721803188324},{"text":"Fantastic.","start_word":76,"end_word":76,"sentiment":"positive","sentiment_score":0.5837132930755615},{"text":"And still quick security check there with you as well just to confirm your full name, your date of birth, and address that you have on file. It's Thomas Peter Walton. Four from the Yep. first sixty nine. Yep. Address, Street, Tara, Queensland, 4421.","start_word":77,"end_word":120,"sentiment":"neutral","sentiment_score":0.11932986229658128},{"text":"Beautiful. Thank you so much for that.","start_word":121,"end_word":127,"sentiment":"positive","sentiment_score":0.6264244318008423},{"text":"Are you working today there, Pete, or got today off? Alright. I am. I only just got here. Oh, wow.","start_word":128,"end_word":147,"sentiment":"neutral","sentiment_score":0.16862276196479797},{"text":"Well, hopefully, you're gonna have a good day.","start_word":148,"end_word":155,"sentiment":"positive","sentiment_score":0.44005054235458374},{"text":"No time not to take up too much of your time there. I know sent through your annual review documents. Could you ask for the starting work today as well? Do you you probably don't have access to your emails, or are you able to log in to those real quick? Or To my emails if now. he yeah. If he can't, that's okay. I can run through things for you. It's not a problem. No. I should be able to. Yeah. That's okay. I've just sent you an email just to those annual review documents attached to make it easier for you. The email Oh, comes through from o d u sign. Diana Tyler. Yeah. Yeah. That's the one.","start_word":156,"end_word":275,"sentiment":"neutral","sentiment_score":0.0350472591817379},{"text":"Beautiful.","start_word":276,"end_word":276,"sentiment":"positive","sentiment_score":0.4337692260742187},{"text":"Have you had any coffee for the morning at least? Yes. I have, actually.","start_word":277,"end_word":290,"sentiment":"neutral","sentiment_score":0.14876699447631836},{"text":"That's good.","start_word":291,"end_word":292,"sentiment":"positive","sentiment_score":0.3432738482952118},{"text":"So sign document. Now when you I yeah. So the first when you go through the sign documents section, that's essentially your your ongoing service agreement for the next twelve months there. So your with your essentially, l to give you a bit of a rundown there, our ongoing service fees have not changed over the last couple of years, but technically not really changing now. We've just set up a more of a tiered structure. So our ongoing service agreement stays at 1.65% until your balance reaches 200,000, and then it drops down to 1.375%. When your balance is 500,000, it drops down again. So, essentially, what we wanted to do was to kinda update the the structure. So as your balance increased towards your retirement goals, that the ongoing service agreement percentage drops a little bit with so you end up in a different tier. Your balance is still under that $200,000 mark, so you are still on that 1.65%. On the ongoing service agreement you've got there, on the first page, you'll see it's actually got a dollar figure there. So we've decided from here on out, we're actually gonna work out what the the fee is as a dollar figure and disclose that to you and have that as in the hub 24. So unlike previous years where it was a percentage based fee that would go up and down with the market, it kind of we would give you an idea of what you were expected to pay us for the year. However, this gives you more certainty. Do you know it will be 3,331 and 7<unk>, and it's it will not go up above that in any way, shape, or form. Does that make sense? Yes. It doesn't. Yeah. We just wanted to make sure that the fee was a little bit more disclosed, a little bit more open, and so having a set dollar figure essentially means that we've worked out in advance what you're expected to pay based on the percentage you're in, but it means that if you get a 20% return, your fee is not gonna go up to encompass that return. It's solely just based on your balance. And inside that balance, we account for 5% growth in the fund there. So it's just kinda giving you more clarity and certainty around what our ongoing service fee is for the year, knowing that it won't go over that amount. Does that make sense? Yep. Yeah. Do you have any questions?","start_word":293,"end_word":713,"sentiment":"neutral","sentiment_score":0.033984353133165356},{"text":"You're welcome to let me know if you do.","start_word":714,"end_word":722,"sentiment":"positive","sentiment_score":0.34063953161239624},{"text":"No.","start_word":723,"end_word":723,"sentiment":"neutral","sentiment_score":0.07713454961776733},{"text":"Perfect. So once you're sort of happy with that, we'll get you signed and return it back so we can have it applied to your account there.","start_word":724,"end_word":750,"sentiment":"positive","sentiment_score":0.3618256747722626},{"text":"On this front of the email, if you were to scroll back out, if you can't, that's honestly okay. We do have a couple of attachments there for you with your updated balances and the portfolio performance of the year. Are you able to just scroll back to go back for me to the front of that email? Or if you can't, that's okay. Mighty. Still riding. You're still loading? If if you want, I can just give you a run through on your balance and the performance.","start_word":751,"end_word":838,"sentiment":"neutral","sentiment_score":0.17280128598213196},{"text":"You're welcome to definitely have a bit more of a look at those again later if you need to.","start_word":839,"end_word":857,"sentiment":"positive","sentiment_score":0.3730665445327759},{"text":"Alright. Well, it says now that it's signed. Yep. And it should be coming back to me. It's come straight back to me.","start_word":858,"end_word":880,"sentiment":"neutral","sentiment_score":0.2171103209257126},{"text":"Yeah. Fabulous.","start_word":881,"end_word":882,"sentiment":"positive","sentiment_score":0.4605706334114074},{"text":"So go back to the sign request. So, yeah, when you get back into the email first, that if you look at the very bottom of the email, there'll be a couple of attachments. I've got three, four, six, seven. Yeah. That sounds about right. One of those should say summary of state grant tuition and insurances. Can you see that one there? Summary of state grant insurances? Super summary. Yeah. That's the one. Is that opening up for you? Yeah. When you said I was Yeah. still under the $200,000 mark, what's going on with the lowest plan there? Yeah. No. You're not far under. So your super balance as of the August 7, you're sitting a $192,095.47 there. So you are very close to that $200,000 mark. Not far off it. With a bit No.","start_word":883,"end_word":1019,"sentiment":"neutral","sentiment_score":0.056728754192590714},{"text":"of additional growth this year and seeing what we can do with the portfolio, we should be able to push you up a little bit higher there.","start_word":1020,"end_word":1046,"sentiment":"positive","sentiment_score":0.5252048969268799},{"text":"And looking at your balance from the August 7 on with you those documents, we're looking at your super fund now, you're sitting at 193,000, so you've had a bit of additional growth in that time frame as well. Okay. Yeah.","start_word":1047,"end_word":1087,"sentiment":"neutral","sentiment_score":0.2239055633544922},{"text":"Good.","start_word":1088,"end_word":1088,"sentiment":"positive","sentiment_score":0.3866556882858277},{"text":"Yeah. No.","start_word":1089,"end_word":1090,"sentiment":"neutral","sentiment_score":0.1765950620174408},{"text":"Perfect.","start_word":1091,"end_word":1091,"sentiment":"positive","sentiment_score":0.3403857946395874},{"text":"Yeah. When I look at your portfolio as a whole and I break down the individual investments, most things are working really well, and we have seen a lot of ups and downs. You probably heard a lot of what's happening in the news this year with The US and Iran war, But also here in Australia, we've had a lot of high inflation as well, and that's also had an effect on the market because inflation does have an effect on defensive assets like cash and bonds and fixed interest. Yep. When I look at your portfolio last year, your balance was sitting at a $169,003.37.","start_word":1092,"end_word":1198,"sentiment":"neutral","sentiment_score":0.03901813924312592},{"text":"So to be up to that 193,000 now is really good. And it shows that after fees so after all fees in your super fund, your super fund has come out with a return of 7.40%. That essentially shows as a dollar figure, the income plus the growth in your super fund has made $15,863.71. So Yeah. you've done Good. really well. Yeah. You've come out on top there.","start_word":1199,"end_word":1267,"sentiment":"positive","sentiment_score":0.4649377167224884},{"text":"One of the other things that I do look at is the sort of portfolio you're in and what that portfolio should be able to obtain. So because you're in a growth portfolio, and that generally sees about 80% of your super invested in growth assets. So think about things like Australian shares, international shares, listed property, and gold and silver, so precious metals as well. In this sort of growth environment, you still hold about 20% low risk defensive investment, so things like cash, bonds, and fixed interest.","start_word":1268,"end_word":1356,"sentiment":"neutral","sentiment_score":0.22396649420261383},{"text":"This sort of a portfolio should be able to obtain around about seven to 9% on a yearly basis as an average. So you've actually come in that middle range there at 7.40 as a net return, which is actually really good.","start_word":1357,"end_word":1398,"sentiment":"positive","sentiment_score":0.48694265598342534},{"text":"You're No. in that range of where we wanna be in a growth environment. Anything over that 9% major portfolio is over performing, and anything under that 7% major portfolio sort of underperformed for the year. We do know that whilst we're aiming for that seven to 9%, some years you'll get a 20% return. Other years, you might only get a two or 3% return. It also depends upon what is happening within those markets. Yeah. But when you're invested in that growth environment, that kind of portfolio suits someone who generally has about six years before they're wanting to access that to you at this stage. Looking at your circumstances, now you're 57 years. Is that right? Yes, ma'am. Yeah. Do you know what age you're kinda hoping you'd like to be able to retire and start drawing an income out of suit, or what was what kind of your thoughts Well, I was just gonna stick with whatever is at the going at the moment moment, which I on can't retire that? until I'm six seven. Is that right?","start_word":1399,"end_word":1580,"sentiment":"neutral","sentiment_score":0.017666947096586227},{"text":"So I've actually got some good news for you here, morning. At the moment, under the current legislation, you can actually fully retire and access your Safe Far Holy tax free at the age of 60.","start_word":1581,"end_word":1616,"sentiment":"positive","sentiment_score":0.42480212450027466},{"text":"If you work longer than 60, at 65, they'll make it fully accessible regardless of whether you're working or not. And age 67 is when you're able to access the age pension through the through Centrelink or through Services Australia if you're eligible to do so. But, realistically, you could retire anywhere from the age of 60. It more just comes down to what your balance is expected to be, what you need to live on on a weekly basis to survive and for expenses and how long your sleep is going to last. So, realistically, Yeah. the longer you're able to work, the more we can build on super. If you are wanting to kind of look at retiring earlier, I would wanna start maybe reducing your risk level a little bit, but also considering extra contributions in to provide that boost to make sure you get that longevity.","start_word":1617,"end_word":1766,"sentiment":"neutral","sentiment_score":0.2006839007139206},{"text":"But if you feel like you're comfortable working to 67, that's absolutely fine.","start_word":1767,"end_word":1779,"sentiment":"positive","sentiment_score":0.4008810520172119},{"text":"What's the thoughts on that, and do you have any extra questions? No. I do not have any more questions. Yeah. Well, I'm a I'd like to say that I would like to keep working, but it's just a matter of whether I can or not physically, Yep. Yep. so That's to okay. speak. But I'll yeah. I'll probably just keep working until I can. Yeah. No. That's okay. When I look at the underlying investments, you've been in this portfolio for a little bit, and most things are working really, really well. But I can see a couple of areas I would like to maybe look at updating. So you do have a portfolio that came into play about a year or two ago. You've got one of your underlying investments in there. You've been along Australian Equities. Australian Equities are actually performing quite well with that one investment is sort of underperforming a little bit at the moment. So I would like to maybe go back if you're comfortable with it, reassess your portfolio, look at your goals, and maybe look at where we expect to be at age six and 65 and 67 for you. Does that sound okay? Yeah. That's Yeah.","start_word":1780,"end_word":1984,"sentiment":"neutral","sentiment_score":0.036056291311979294},{"text":"Beautiful. I'll update the portfolio.","start_word":1985,"end_word":1989,"sentiment":"positive","sentiment_score":0.417471319437027},{"text":"fine. Find you something that might be a little bit you know, provide me a bit more diversification. I can look at maybe a portfolio that might be cheaper.","start_word":1990,"end_word":2018,"sentiment":"neutral","sentiment_score":0.2631933391094208},{"text":"You know, paying less than investment fees is never a bad thing.","start_word":2019,"end_word":2030,"sentiment":"positive","sentiment_score":0.368694007396698},{"text":"And then sort of see where that's tracking and see if I can find something better performing for you to give you a little bit more of a boost towards your retirement goals. Does that sound alright with you? Yeah. That'd Yep. be fine.","start_word":2031,"end_word":2074,"sentiment":"neutral","sentiment_score":0.24693363904953003},{"text":"Beautiful. Excellent.","start_word":2075,"end_word":2076,"sentiment":"positive","sentiment_score":0.6283714175224304},{"text":"It'll also give you an idea of what we're tracking for when we look at age 60, 65, and 67 to give you a bit of clarity on what you might wanna look at when you might wanna stop work or what you're after.","start_word":2077,"end_word":2120,"sentiment":"neutral","sentiment_score":0.07110384851694107},{"text":"Yeah. Excellent.","start_word":2121,"end_word":2122,"sentiment":"positive","sentiment_score":0.5026388764381409},{"text":"When you do retire, do you know what kind of income you're going to need to draw down or going to want to live off on a weekly basis? Have you thought about that thus far? Now I have an expert, No. That's okay. to to be honest. Yeah. Well, at the moment, I'm sort of living on 800 a week. Yep. Is that fairly comfortable at the moment? Yeah. It yeah. It is. Doesn't Yep.","start_word":2123,"end_word":2198,"sentiment":"neutral","sentiment_score":0.030365029349923137},{"text":"leave much flavor in, but that's just with all my bills and shit like it.","start_word":2199,"end_word":2213,"sentiment":"negative","sentiment_score":-0.3653982877731323},{"text":"Yeah. And because you still have a mortgage at the moment, don't you? You've well, we had then you owed about a 110,000 on your main primary residence. Do you still owe have a loan on that one? Yes. I do. Yes. Yep.","start_word":2214,"end_word":2256,"sentiment":"neutral","sentiment_score":-0.03054168820381165},{"text":"Beautiful.","start_word":2257,"end_word":2257,"sentiment":"positive","sentiment_score":0.38798457384109497},{"text":"Are you sort of hoping to have that paid off by the time you hit retirement, or do you think you might still have that loan in those years just for a little bit? Probably still have a little bit of it. I'm hoping Yep. not. Because, realistically, like, if you do have that mortgage completely paid off by that point in time, that $800 would certainly provide greater living. It would it would last longer. You wouldn't have that mortgage payment to pay back as well. But if you still have that, do you want me just to project forward on $800 a week to see what that looks like for the time being, or would you like me just to create a bit of a buffer and increase the weekly living to, say, $85,900 to give you a bit more wiggle room? What would you like me to project forward for you? Probably the 900 wiggle Nine room. 100 a week? Yep. Absolutely. That sort of factors in in case you still have that mortgage and retirement. Absolutely.","start_word":2258,"end_word":2437,"sentiment":"neutral","sentiment_score":0.02612893469631672},{"text":"Excellent. And I've got down here that you're in a respecter relationship.","start_word":2438,"end_word":2449,"sentiment":"positive","sentiment_score":0.4547931849956513},{"text":"Is that still correct? Yes. It is incorrect. Yep.","start_word":2450,"end_word":2458,"sentiment":"neutral","sentiment_score":0.05833304300904274},{"text":"Beautiful.","start_word":2459,"end_word":2459,"sentiment":"positive","sentiment_score":0.4096903204917908},{"text":"And does does your partner work? Does she or, like, is the income coming in going to your expenditure? She does work. Yep. Yeah. She sort of covers, like, her bills. Not just her Okay. bills, So but yeah. other bills. Do do you kinda keep everything separate bill wise and expenses wise? Not really. No. No. That's okay. Together. And is she younger than you, older than you, would she willing to retire at the same time as you, do you think? Or would that money still or would her income still be coming into the household? No. She's a lot younger than me. She'll probably keep working once I retire. Yep.","start_word":2460,"end_word":2572,"sentiment":"neutral","sentiment_score":-0.006919741630554199},{"text":"Beautiful.","start_word":2573,"end_word":2573,"sentiment":"positive","sentiment_score":0.4657226800918579},{"text":"Let's see. Retires.","start_word":2574,"end_word":2576,"sentiment":"neutral","sentiment_score":0.2262371331453323},{"text":"Beautiful.","start_word":2577,"end_word":2577,"sentiment":"positive","sentiment_score":0.5077387690544128},{"text":"And if you think about her income, because if once you retire, if she's still working and that income is all going into your family and being used, it might sort of help you a little bit as well with covering the cost of more than making your drawdown, you know, go a bit further. Do you know Yeah. what her income is coming in on a regular basis, like a weekly basis at the moment? Or No. I could not say. She's no. It's up. she's full time casual. So and because of the kids Right. have sport a lot, she like, she just took five days off work Yes. to do that. Yep. Okay. So it's sort of when she can work, doesn't work all the time, more casual. Yeah. Yes. That's okay. I'll sort of focus things around your super and your super only, stoking out any additional expenditures. So we'll just look at what what we're projected to just move forward with your super, what the drawdowns look like. I can easily because age 67 is only just that ten years away at this point, I can factor in just a limited scope of Centrelink for you, just showing you, you know, at 67 based on your assets now, you'll be whether you're eligible for Centrelink and how that can help product provide a little bit of longevity to your statement. Does that sound okay? Yep.","start_word":2578,"end_word":2817,"sentiment":"neutral","sentiment_score":0.1265840144517521},{"text":"That seems Beautiful. Excellent. Now good.","start_word":2818,"end_word":2823,"sentiment":"positive","sentiment_score":0.6209778189659119},{"text":"the other thing to sort of look at is the risk level with regard to your super. So what I'm projecting for is sort of age 60, 65, and 67, but because you are in that kind of growth environment, if you were to say because real estate is 60 is only about three years away for you, if we saw a large market dip by, say, 20% due to what was happening in the world globally over the next one to three years, how do you think you might be feeling about that? Are you feeling like you're happy to work longer to wait for your super to recover? Are you wanting to put more money in and take advantage of the dip, or are you feeling a bit anxious and probably, you know, a bit concerned about your super having that kind of a dip? How might you feel? I'm not really sure. Yeah. Probably just keep it going, hope it comes back. Yep. Yep. So you'd be happy to work a little bit longer if you needed to? Yep. Yep. That's okay. Sorry. I asked all the hard questions that you probably never thought of to answer. When you think of the risk level you're taking, as I kinda mentioned with that growth environment, you see about 80 in those high risk assets like shares, commodities like gold and silver, and property. When you think of the risk level, if you consider risk out of a number between one and five, you're sitting about a three. So you're not quite at the highest level of risk and not really at the lowest level of risk. Do you sort of consider yourself to be in that middle range, happy to take on a moderate or medium amount of risk to get the best returns you can out of your paper, or do Yeah. you consider I think. yourself to be more a higher or lower risk taker? Where do you sort of see yourself? Probably go a little bit higher in the wrist. A little Would this? yep. Yep. That's okay. And the last one here is have you ever seen your super fall in value? If you did moving forward, how does that make you feel? I mean, not ever like to see that the market is we don't like to see negative figures, but if you did over the next couple of years see your super falling value a little bit, are you feeling optimistic about the investment opportunities, maybe thinking about putting some extra money in? Are you a bit cautious because you're closer to accessing your super? Are you concerned or feeling very anxious about dips in the market? Where might you think you might feel? Probably more cautious than not. Yep.","start_word":2824,"end_word":3291,"sentiment":"neutral","sentiment_score":-0.07687631010627136},{"text":"Absolutely. Lovely.","start_word":3292,"end_word":3293,"sentiment":"positive","sentiment_score":0.467300683259964},{"text":"And have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you generally not consider doing something like that you've only ever wanted to borrow for safe property or your main primary residence? Probably. Yeah. I haven't thought of it. Yep. That's okay. And you've got your main primary residence there, so I'll pop that one in.","start_word":3294,"end_word":3360,"sentiment":"neutral","sentiment_score":0.032097943127155304},{"text":"Beautiful.","start_word":3361,"end_word":3361,"sentiment":"positive","sentiment_score":0.5491646528244019},{"text":"So you scored in that growth environment there, which is where we have you at the moment. The main sort of thing that I would be looking at is the time horizon. So are you more likely to say work to 65 at the very earliest, or do you what's the likelihood that you might wanna stop working at 60? No. Like I said, I'm a bit of a worker. I've been working all my life, so I'll probably keep working until Yes. I can't.","start_word":3362,"end_word":3446,"sentiment":"neutral","sentiment_score":-0.04200410842895508},{"text":"Beautiful. Excellent.","start_word":3447,"end_word":3448,"sentiment":"positive","sentiment_score":0.49100345373153687},{"text":"Just because with that, when we're looking at that sort of thing with that growth environment, I wanna make sure that you do have a generally, that's six years ahead of you before you're wanting to access that money. If you had a lesser time horizon with the ups and downs we have seen this year, I might be a bit more cautious around trying to sort of talk about reducing this level.","start_word":3449,"end_word":3521,"sentiment":"neutral","sentiment_score":-0.01710873283445835},{"text":"But I'm happy to sort of keep you there for the next twelve months.","start_word":3522,"end_word":3535,"sentiment":"positive","sentiment_score":0.5008640289306641},{"text":"I would wanna just review things in twelve months time with you. But in the meantime, I'll go back and have a look at your state for your portfolio and see if I can, you know, work on the investments a little bit, get things working a bit harder for you as well, and see if I can reduce some of your fees within your super fund. How does that sound? Just hands up.","start_word":3536,"end_word":3609,"sentiment":"neutral","sentiment_score":0.1949097365140915},{"text":"That sounds good. Excellent.","start_word":3610,"end_word":3613,"sentiment":"positive","sentiment_score":0.6149288415908813},{"text":"Just to update a few additional circumstances for you here, your income last year was about 75,000. Are you earning about the same amount at the moment, Pete? Oh, I am. Yes. Yes.","start_word":3614,"end_word":3646,"sentiment":"neutral","sentiment_score":0.07526862621307373},{"text":"Beautiful.","start_word":3647,"end_word":3647,"sentiment":"positive","sentiment_score":0.34477531909942627},{"text":"Are you wanting to look at maybe salary sacrificing or putting more money into super, or are you finding it's not really preferable right now? Not right now. No. Nope. That's okay. Excellent. And are you managing to put much away in the way of savings out of your funds on a weekly basis, or is everything going towards your expenses? No. I arranged down towards expenses. Everything's gone towards expenses. All good. Okay. No saving. Your main primary residence, we had an asset value on that last time of around 330,000. Do you know what that value might be to you now? What's the value you put on your home currently? I've actually been watching that. It's $3.71 now.","start_word":3648,"end_word":3767,"sentiment":"neutral","sentiment_score":-0.024464445188641548},{"text":"Oh, fantastic.","start_word":3768,"end_word":3769,"sentiment":"positive","sentiment_score":0.38706573843955994},{"text":"And what would the mortgage be down to currently, do you think? No. I had to redraw on that. Okay. I think that was 160. $101.06 0. Sorry. Is that right? Yes. That's correct. 160,000? Okay. And then I've got your car, your h x one tonner. You valued that last year at about 45,000. Would you still keep it about the same value? Yes. It would. Yep. And you own a vehicle outright? Yes. Yep.","start_word":3770,"end_word":3845,"sentiment":"neutral","sentiment_score":0.03958567151015526},{"text":"Beautiful.","start_word":3846,"end_word":3846,"sentiment":"positive","sentiment_score":0.6118364334106445},{"text":"Other assets I try to note down are things like content. I know it looks a bit funny, but content is still technically an asset. If you tip your house upside down and everything fell out, if you had to replace all those items, it could cost quite a bit. Do you have content insurance on your property? Yes. I do. Yeah. What do you have your contents valued at on your insurance policy? Only insurance, I think it was 35. 35? Yep.","start_word":3847,"end_word":3929,"sentiment":"neutral","sentiment_score":-0.038481567054986954},{"text":"Beautiful.","start_word":3930,"end_word":3930,"sentiment":"positive","sentiment_score":0.4095808863639831},{"text":"And do you have any other shares or collections or tools of trade or cars, boats, or caravans you put value on? No. Nope. That's okay. The other thing to look at is now I believe a couple of years back, we had it noted that you had a Sunsuper account, and that also has some insurances in it. Are you aware if you still have that Sunsuper account? Yes. I do. You do? Because I can see your there are contributions coming into Hub twenty four as well. So I just wanna make sure that we do that you do still have that account, what the insurances look like for you. Back when we last spoke to your insurance level within that sunsuit, it was about 83,000 of life and TBD. I would need to do some research to find out what the insurance levels are now. But when you think about insurances versus your super because they are paid out of your super, is keeping those insurances still important to you until you kinda hit those retirement years, or what's the thoughts around your insurance aspect at the moment? Mhmm. The reason being we kept like, you guys and myself have kept Mhmm. the super the Sunsuper account was because you we couldn't find a life insurance cheap enough, and the Sunsuper had life insurance in it. So that's why we kept that money in there. Yeah. And I was That adding, makes sense. yeah, Yeah. I was adding to it for a little while. Yep. I think I'm still yeah. I still have that account for the life Okay. insurance, which is yeah. Like you said, it's only $8,083,000 last time I looked. I'd have to double Yeah. check on that I one. yeah. Are you able to not in right now. I can sort of follow-up on a bit later if you're able to. Just obtain a bit of a statement for us there just so we can double check the balance you have in the account. We can check the investments, make sure everything's working harder for you, and check the insurance levels as well to make sure you're holding those covers a little bit longer. Yep. Yep.","start_word":3931,"end_word":4303,"sentiment":"neutral","sentiment_score":0.01825908572480442},{"text":"Yeah. Beautiful. I'll get my admin team member to sort of follow-up on that with you if that's okay.","start_word":4304,"end_word":4322,"sentiment":"positive","sentiment_score":0.362103283405304},{"text":"Oh, that there you go. That's fine. I actually think Sunsuper Yep. has changed their name to Australian. We're trying to trust. Yeah. Yeah. All Yeah. these So super funds are getting bought out by each other. yeah. So I'd For love to go AARP that way. fund. Yeah. No. That's okay. I'll get my call my admin team member, Michelle, to sorry. Samantha to follow-up on that for you just to obtain that. You had life and TBD in there. Do you understand what life and TBD are, how they work, and what they pay out, essentially? No. That's No. I don't really. essentially? No. That's okay. So to give you just a quick rundown, life cover pays out a lump sum benefit to your beneficiaries if you were to pass away. I'll obviously just go back and double check the level of cover that do have. But based on, say, 83,000 of life cover, and if you were to then pass away, your super balance is also paid at your beneficiary. So am I right in assuming your beneficiary should be your partner? Is that right? I've got Yes. Renee. Retinigo Crescents. Yep.","start_word":4323,"end_word":4517,"sentiment":"neutral","sentiment_score":-0.005127599405554625},{"text":"Beautiful. Yep. Beautiful.","start_word":4518,"end_word":4520,"sentiment":"positive","sentiment_score":0.5808049440383911},{"text":"I never like to assume, but just like to double check to make sure that's what your wishes are. But if we sort of have a look at that, so based on a life cover of 83,000 plus a 192,095 of super paid out there for you, Yep. $0.09 5, it essentially means that she could get a lump sum benefit of 275,095 that could pay out the mortgage owing a 160,000 and then still leave her with some additional income or additional funds to sorta help around about a 115,000, give or take, to help look after the kids and, you know, move forward a little bit. Do you feel like that's sufficient? For now, yes. I do. Yep. Yep. Yep. That's okay. The same thing with TPD. So TPD or total permanent disability pays out either a lump sum disability benefit or an income stream if in the event that you were unable to ever go back to work again due to permanent disability.","start_word":4521,"end_word":4686,"sentiment":"neutral","sentiment_score":0.23884359002113345},{"text":"And, essentially, the benefit amount you're covered for is the same as life because we can also claim on your super. So you can have the CBD benefit paid out as well as your super.","start_word":4687,"end_word":4721,"sentiment":"positive","sentiment_score":0.34808796644210815},{"text":"So, again, it gives you about 275,000 there. The one thing I do like to bring up, because not many people are aware that if you claim CBD and you're under the age of 60, unfortunately, the government does deduct tax on that amount. It's up to 22%. So on, Okay. say, 275,000, 22% tax could be $60. Yeah. That essentially means that the benefit could roughly be at the highest tax rate about 215,000, which realistically would still pay off the mortgage, leaving you debt free, and then you could have roughly about 55,000 left over. It's not a huge amount. And, obviously, the older you get, the the more expensive insurances do become, which is partly why we would have kept that funds through the insurances in place. Yeah. But, yeah, it's brought us about what's important to you, whether that level of cover is sufficient or whether you think you might need more cover, and we go out there and try to find that for you. What is how do you feel about that at the moment? No.","start_word":4722,"end_word":4902,"sentiment":"neutral","sentiment_score":0.10151145026828702},{"text":"I think well, I'm I'm not looking at being a cripple anytime soon.","start_word":4903,"end_word":4915,"sentiment":"negative","sentiment_score":-0.4693862497806549},{"text":"No. Definitely not. Definitely not. Yeah. I'm not That's okay. The other side of sure. that is that because you are only three years away from 60, so long as you didn't need to claim on TBD after 60, the TBD benefit is fully tax free. There's no tax paid on TBD when you claim after the age of 60. So there is that benefit and option. Yes. I mean, the biggest thing with insurance is is looking at making sure you've got the level of cover that suits your goal. But, also, when it is paid out of super, it also affects how much you end up within retirement because you the premiums are coming out of your super fund. So it's kind of a juggling act. I will try to get the we'll get the statement. And then if you want, I can come back and have a secondary conversation with you about what the insurance levels are, what that looks like, and what you need. Does that sound alright? Yep. No. That seems fine. Yep. Yep. Beautiful. You don't have any kind of income protection or trauma benefits. The income protection, if you did have it, essentially covers or pays out a a monthly benefit if you're awkward due to illness or injury. Do you have much in the way of sick leave, annual leave, long service leave that you might be able to use if you were unable to go to work in the short term? Yes. I have ample sick leave, and I've got holiday, I have miss leave. Yeah. Things Beautiful. like that. So income protection wouldn't be a problem. You if you weren't working, you've got plenty of things to fall back on to cover your income? Yes. Yeah.","start_word":4916,"end_word":5211,"sentiment":"neutral","sentiment_score":0.04600840806961059},{"text":"Beautiful. Excellent.","start_word":5212,"end_word":5213,"sentiment":"positive","sentiment_score":0.4952538013458252},{"text":"Now the other type of personal insurance that we can obtain if you wanted to is trauma. Trauma tends to pay out like a lump sum tax free benefit if you say have a heart attack, a stroke. Cancer's probably a big one. Parkinson's, other neurological conditions, they're major traumatic events. Did you wanna look at maybe getting some sort of trauma cover, or you're happy just with the the level of cover you have in some place at the moment, keeping the insurance cost low. What's your thought?","start_word":5214,"end_word":5302,"sentiment":"neutral","sentiment_score":0.04925757274031639},{"text":"No. I don't think I'm comfortable with what I have at the moment.","start_word":5303,"end_word":5315,"sentiment":"negative","sentiment_score":-0.46966925263404846},{"text":"Yep.","start_word":5316,"end_word":5316,"sentiment":"neutral","sentiment_score":0.21205900609493256},{"text":"Beautiful. Excellent.","start_word":5317,"end_word":5318,"sentiment":"positive","sentiment_score":0.5771881341934204},{"text":"So what I'll do is once we do get a a statement from you, I'll just make a time to come back and have a quick conversation around the insurance levels that you've got. We can talk about what your goals are with insurance and just make sure you're comfortable with the level of cover that you do hold. Okay? Yeah.","start_word":5319,"end_word":5379,"sentiment":"neutral","sentiment_score":0.2894868552684784},{"text":"Beautiful. Excellent.","start_word":5380,"end_word":5381,"sentiment":"positive","sentiment_score":0.5484665632247925},{"text":"And the other thing with the estate planning side of things is have yourself, your partner, Renee, ever sort of looked at getting a power of attorney or drawing a will or anything like that? Have you guys talked about that in the past? We have talked about it. Yep. Yes. I I yeah. I do need to put a will in place after Yep. my ex wife. Yep. Yeah. We we still need to do that. Yep. No. That's okay. All good. So it is definitely something to do. We, unfortunately, as advisers, don't do it. We do send you or a phase with solicitor to do so. There are other options, though, if you you know, you can use, like, a will kit from the post office if you prefer to to make it cheaper and easier, or you can through all the states and territories. They do have, like, a state trustee, which is a government agency, and they can help to organize wills pretty cheaply as well. So if you just Google the Queensland trustee, and Yep.","start_word":5382,"end_word":5562,"sentiment":"neutral","sentiment_score":0.06092536449432373},{"text":"they can sort of help to put you in touch and do a will nice and cheap.","start_word":5563,"end_word":5579,"sentiment":"positive","sentiment_score":0.5021103024482727},{"text":"But doing a will and power of attorney is extremely important, especially where there are, you know, past family members and kids involved and things like that. Just making sure that everything is, you know, as per your wishes in the event that something happens to you, because passing in tax state down the track means that other people can come forward and make a claim on your estate, and then a judge gets to decide where that money goes to. Just hang on a sec, Dana. Where Yeah. do you You're wanna right. go? Oh, I'll see you on the phone. Alright, man. This one? To the roller doors. Oh, you can take this one. Plugged into you. It can shut off for a little while. Alright. Just don't open it. That's fine. But, yeah, just how long you need it for? I didn't zap you. Didn't zap me.","start_word":5580,"end_word":5729,"sentiment":"neutral","sentiment_score":0.12884634733200073},{"text":"Thanks, fuck. But I don't wanna use it.","start_word":5730,"end_word":5737,"sentiment":"negative","sentiment_score":-0.4201091527938843},{"text":"See that even You got another leak? Yep. I'm gonna go and get one from the hardware if I have to. I've got one in your car. Yeah. Sorry, darling. Keep going. No. You're fine. All good. Yeah.","start_word":5738,"end_word":5775,"sentiment":"neutral","sentiment_score":0.007317014969885349},{"text":"This is on letting you know that the the local government trustees do also set up rules nice and cheap for you as well. And if you just Google the Queensland trustee, it can come up with, you know, how how they can help you.","start_word":5776,"end_word":5820,"sentiment":"positive","sentiment_score":0.38682278990745544},{"text":"They do them over the phone and things like that as well just to sort of make sure that everything's protected for you. Yes. Well, I actually have got a wheel kit at home from the post office, Oh, but just gonna Yeah. just We gonna just fill need it out. to sit down and, yeah, do it. Yeah. Well, I always sort of suggest make yourself a cup of tea or a coffee or whatever your poison is and have a seat and yeah. Just go through step by step and think about what it is that you want to happen to all of the assets. Yeah. Yeah. K.","start_word":5821,"end_word":5930,"sentiment":"neutral","sentiment_score":0.21765778735280036},{"text":"Now that's fine. All good. Easy.","start_word":5931,"end_word":5936,"sentiment":"positive","sentiment_score":0.5223144292831421},{"text":"So I basically gone through just to kind of recap. I'll look at your space, I'll look at the investments, look at the projecting things forward for you to see what this looks like and where we can make some updates for you. We're not soaking in any additional salary sacrifice. I'll just be able to try and obtain a statement for Sunsuper from you to look at your insurance level. I'll come back and have a conversation with you around those once we obtain it so we can find out a bit more about what your goals are and whether we go and look at additional cover for you. Yep. And other than that, everything else looks like it's pretty well covered for the moment. Do you have any questions? I'm sorry. I know I touched on quite a lot of bits and pieces, but do you have any questions for me at the moment?","start_word":5937,"end_word":6092,"sentiment":"neutral","sentiment_score":0.1978985220193863},{"text":"No. I do not.","start_word":6093,"end_word":6096,"sentiment":"negative","sentiment_score":-0.346051424741745},{"text":"No. Beautiful.","start_word":6097,"end_word":6098,"sentiment":"neutral","sentiment_score":-0.012386702001094818},{"text":"Well, I will let you go. I thank you so much for your time today.","start_word":6099,"end_word":6113,"sentiment":"positive","sentiment_score":0.5612369179725647},{"text":"I'll get my colleague, Samantha, to follow-up on the sun super statement, and then we'll come back and just follow-up with additional conversation around the insurance level for you. Righto.","start_word":6114,"end_word":6143,"sentiment":"neutral","sentiment_score":0.3083072602748871},{"text":"Yep. That'll be good. Okay? Alright. Thank you Easy. very much Well, for I will your time. let you go, Kate.","start_word":6144,"end_word":6164,"sentiment":"positive","sentiment_score":0.4843964278697967},{"text":"No.","start_word":6165,"end_word":6165,"sentiment":"neutral","sentiment_score":0.09875036031007768},{"text":"Thank you for yours. You have a good day. Thank you. You too.","start_word":6166,"end_word":6178,"sentiment":"positive","sentiment_score":0.5918734669685364},{"text":"Talk to you soon. See you later until soon. Bye. Bye. What's that?","start_word":6179,"end_word":6191,"sentiment":"neutral","sentiment_score":0.186967208981514}],"average":{"sentiment":"neutral","sentiment_score":0.0957498139566176}}}}