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I'm have you booked in to go through your annual review? Is now still a good time there for you? Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality quality and training purposes. Are you happy for me to proceed with that? Fantastic. And you've sorry. Also, this is a security day with you as well. I'll just need to confirm your full name, your date of birth, and address I should have on file just to see how to discuss your personal information. Yep. Fantastic. Thank you so much for that. So I do apologize. I know I had you booked in last week to go to your annual review last Monday. Unfortunately, I was a bit unwell. Hurt my back, so I wasn't able to be at work. So I do apologize for rescheduling that one on you. Oh, good. Well, let oh, thank you. One of the things one of the aspects of getting older. We break down a little bit, unfortunately. No. All good, Christie. Now I can see you did put your contribution in, which is fantastic. So your contributions for this financial year are now up to 30,000 for the year. You've claimed the notice of intent, and my team have provided you with that confirmation. You've got that there ready to go for your tax return. No. Yeah. You don't have to sign one anymore. We already already submitted it. So with Hub 20 four, did it require the form? Yeah. We just get verbal confirmation that you're happy for us to process it, which is what Samantha's call was about. About. And then she went online, and she submitted it for you through HAB 24. So it's all done and dusted. Yeah. Did you get the acknowledgment letter to the they send a confirmation letter out once that has been completed. Have you received that letter in the mail or in the post or in email? If not, that's okay. I will grab another one after the call for you and resend it through to you so you have that there. It is not a problem in any way, shape, or form. Okay? Fantastic. Not a problem at all. Look. Once you once we submit the notice of intent, essentially, it does the super fund does let the ATO know and report on that, so it all should be in your system there. I like to just email out the the acknowledgment letter. This is a secondary confirmation. If you take that with you to your account, it gives us got that as a bit of a backup in case it hasn't been reported correctly. Okay. Easy. Fantastic. Now as part of your review, we'll go through and have a bit of a look at what your sleep has done, have a look at your goals, and see if there's any new advice to provide there. But is there any specific questions you might have or anything you wanted me to touch on as part of your review? No. That's okay. That's absolutely fine. So if you like, I'll start by just giving you a bit of an update here on your super. So having a look back at your review last year, your balance then was about a 114,535 and 79¢. Your balance this year were upwards of a $153,001.63 and 2¢ there. So, obviously, contributions So when I have a look at your portfolio as a whole, and I'm also sending you an email to see you do have those documents in your email to review there as well. But, essentially, the the portfolio hasn't hasn't performed very badly. It's actually performed quite well. After the last twelve months, it is showing a net after tax after fees return of 9.23%. So that is actually a very good return. Looking at your portfolio, you're in you're in that balanced growth kind of environment. So, generally, that's where you see about 70% of your super invested in growth assets. So thinking things like in shares, international shares, listed property, and commodities, so some gold and silver in there as well, and then the other 30% in lower risk defensive investments like cash, bonds, and fixed interest. So this kind of a portfolio, you're sort of averaging chasing a return of around about six to 8% there. So the fact that you've got a 9.23% after fees shows that your portfolio has definitely outperformed for the year, and that's a good solid return. Okay? Beautiful. Some people do prefer a dollar figure as opposed to a percentage. So when you look at the gross and the income component there as a dollar figure, your portfolio has made about $13,468 for the year. So it is a good return. Right. We've seen a lot of ups and downs this year, so very happy with that, and we certainly wanna make sure we're compounding that forward for you as well. Okay? Beautiful. I did have a little bit of a look at the underlying investments there. As I kinda mentioned, everything's been doing quite well. There is this one investment within your portfolio that looks like it has sort of underperformed a little bit. It hasn't sort of held your portfolio back in any way this year. But you've got the Australian Equities. Do you look at your super fund or look at have 24 very often, Christie? No. That's okay. Is that something you just sticks away in the background? Oh, well, thank you. Well, no. Honestly, look, everything, as I said, has been doing quite well, but you were originally recommended to invest some of your funds in the Benelon Australian Equities Fund that was giving you exposure to the Australian market. Essentially, that managed fund in your portfolio holds anywhere between 15 to 20 different investments depending on what they're invested in. And that sort of managed fund is more of an actively managed fund. So the investment manager of Van Along is trying to outperform against the market. They're trying to buy and sell and pick the top and the bottom and pick their way in to and outperform against the benchmark or the market, essentially. Active managers don't always kind of hit that mark. In fact, very few of them do it every year. I've never seen any of them have hit the mark every single year. And to have a little bit of active management in your portfolio, you do pay a little bit more in management fees for doing so. So it does cost a little bit more. It is unfortunately underperforming a bit at the moment. So when I've kinda had a look at your portfolio, having a look at what Benelon's been doing, we do wanna look at removing that from your portfolio, maybe doing an investment switch, having a look at all the investments in your portfolio, seeing how they have performed, and if there's maybe a portfolio after that performs a bit better. Are you comfortable with maybe maybe having a look at that for you and updating the advice to see if there's, you know, some better investments out there for you? Yeah. Beautiful. Oh, good. Are you okay? Do you need a second? I'm so sorry. Coughing. You're okay? If you need a second, me to stop. Honestly, it's absolutely fine. Oh, look. Enjoy that. Is it so it make you cough a little bit afterwards? Or oh, beautiful. No. Enjoy that. We all just have a little bit of chocolate here and there. There's nothing wrong with that. Oh, all good. Now, Christy, with your portfolio, there's a couple of different investments I've been sort of looking at that we can look to replace that then along with. You can having a look at your agent stage now, are you sort of looking at your goal? Are you looking to sort of wanting to access super at around about the earliest point that you can, say, age 60, or are you sort of thinking you're probably gonna work a little bit longer? What's your goal for accessing your super? As soon as possible. Understandable. So, realistically, you can access super under the current legislation at the age of 60 if you choose to retire at that point. And you get full access to your Super. No restrictions, and it's tax free, which is great. What I can be doing is looking at essentially, the main reason I'm sort of looking at this is to assess your time horizon because we can replace that along with another active manager, or I could look at investments which might be a bit cheaper, might have more diversification, obviously, because you are in your fifties. Having a cheaper investment means that there's more money in your super compounding working towards towards your goal of accessing your super there. Did you want me to look at something more actively managed like you had in there, or do you wanna look at a cheaper investment that, you know, still provides great growth and has performed well? If I was you, I'd honestly be looking to try and boost my super any way possible. So looking at maybe reducing investment fees, looking at having a diversified port you know, diversified portfolio, but looking to diversify as much as possible. So I'd be sort of steering away from that. If it was me, I'd be sort of steering away from the active management in my portfolio, looking to be more passively, cheaply managed, but still wanting to get good returns. But that's just me. And is that okay for you? Yeah. One of the biggest things to consider is when you do have those active managers in your portfolio, because they are to time the market, they are taking a bit more risk to do so. And Benelung, as I mentioned, has generally anywhere between 15 to 20 different investments depending on what they're holding. Whereas I could look at a passively managed funds that might have 200 investments in it. Therefore, it's giving you more diversification. It's holding more more investments on the Aussie market, and it gives you more diversification, which can lower your risk level and be a cheaper investment as well. If you can save fees here and there, it means you have more money and you're super working harder compounding towards your your goal. Does that make sense? Yeah. Beautiful. Well, I'll go back and review the portfolio, have a better look at the options there. It does take a couple of weeks to do the research. So once I have that research completed, my team will book you back in, and I can go through the advice with you. You can have a look at what I'm recommending, how, why, what the advantages, disadvantages, and the risks are. Does that sound okay? Yep. Fantastic. Excellent. Beautiful. So just wanted to go through I'm looking I'm working on the age of 60 for you there as well. I also wanted to have a bit of a look at the insurances here. So I can see with your insurance cover, you have, at the moment, your life, your TPD, and your income sorry. No no income protection. Just your life and TPD, which is paid out of your super fund. The current sum insured is 420,000 there. And with the premium for the year, you actually paid one thousand and forty seven and ninety dollars out of your super fund for that. Just to kind of review the insurances with you, if you were to pass away, so looking at life to begin with, what is it that you were sort of hoping to cover? What would you want your life insurance to cover for you? Yeah. Yeah. That's okay. No. That's okay because yeah. Mhmm. Yeah. No. That's okay. So I can see here that you do have your investment property in Brisbane. We did originally have sorry. Last year, you had a, I believe, a value of 466,000 on that one, and it shows you that you still had a debt owing of about 4,000. Do you still have that loan open? That's all being closed up and paid for? Yep. Yes. Yep. Okay. Beautiful. So you technically owe nothing on the loan. This is open and fully offset. Yep. Yep. I've also got down here the I believe you've got a property in Cleveland, a townhouse that your parents are living in. Is that right? And you had a value of 563,000 on that property. Would you keep the value about the same? Yeah. Yeah. That's the one in Cleveland. Yeah. I'm so sorry. I missed that. Sorry. Oh, we wanna update the values on all the properties just to make sure we have the valuations up to date. Yeah. You're right. That's okay. Take your time. Yeah. Mhmm. Yep. Six seventy eight. And so sorry. Was that the Brisbane property, or was that the other one that was valued at? I don't have an address on here. I just have a value of $4.66. Would that be the Brisbane investment property that was valued at $4.66? Yep. I might actually just put the suburb down just so I can allocate the difference between the three properties for you to make it easier on you. Yeah. Yep. Yep. Yep. That's okay. That's not a problem. $8.40. Yep. Beautiful. And the last investment property I had here, I don't have a suburb. I'm so, so sorry, but it does have the last valuation was 1,200,000. What suburb is your other investment? McGregor? Beautiful. Wow. Fantastic. Beautiful. Excellent. Thank you for that. And so, realistically, all the properties, you don't owe anything on them. You just have the loans open in case you wanna use the funds again, and you have it fully offset by the offset account. Do you have an offset account for each of them, or is it under one offset account at all across the queue? Yep. Right. Okay. Yep. Yep. Yes. Yeah. Just paying the loan off. Yeah. Yes. Yeah. Yeah. Absolutely. Can I just get you to run through the offset accounts just to give me the balance in each of those just so I can update all of your assets and liabilities here? That's all. Sorry. Is that no. No. We don't we just yeah. Just have it noted down here that it's sort of offset fully. We don't really have the updated values. That's okay. Yeah. Yep. Yep. Yep. Perfect. Yep. Yep. Yep. Beautiful. Lovely. And I'll just make a note here. So just paying the principal back from the offset account and fully offset. So no technically loan. Beautiful. Excellent. Thank you for updating all those details there for me. So when we kind of look at your insurances and why it's kind of important to update all of your assets and liabilities is because we generally have life and TBD cover. Well, life especially to pay out a lump sum benefits to our beneficiaries if we were to pass away. Normally, we have life cover to sorta help our beneficiaries pay off any debts that we have or provide additional income. So having a look, I've got down here that your, sorry, your partner is Paul. Is that right? Yep. You're not technically married. I've got de facto. Is that correct? If it's wrong, let me know. Beautiful. Beautiful. So if in the event that you have passed away, you have these properties here. And whilst the loans are fully offset, so if anything happened to you, he could realistically use the money, pay out the loans, keep the properties, and generate the income. Do you wanna have any life cover that pays out a lump sum benefit to him? Do you feel like life insurance is still important to you being that you are technically debt free? You've got those properties, but you don't have any loans open at the moment. So yeah. Yep. Yeah. Yep. That's okay. Beneficiary? Yeah. Absolutely. Awesome. Just having a look to pull that for you now. But under the current legislation, you actually can't nominate your mom as a beneficiary for your insurance policy because she doesn't really fit the criteria, they have a real strict criteria around nominating a beneficiary when insurance policies are held inside super. So there is a way around it. I can definitely help you to get around it. I've got down here and I'm so sorry. I'm probably gonna say this name. What's your mom's name? Can I get you to let me know? It is. Yeah. Yeah. So at the moment, under the legislation, realistically, a beneficiary needs to be one of four options. It needs to be a spouse, a child, or an other financial dependent. So does your mom rely on you financially? Do you pay her bills, you know, help her to live? Does she rely on you financially for everyday living expenses? Yep. Right. Yep. So yeah. Yep. Right. So real yeah. So because she still gets money and she pays that to you, she's not necessarily seen as financially dependent on you because you're paying her bills with her money. So the way around this, if you are wanting it to be your mom, you do have another option. On the form, we have what's called a legal personal representative. That essentially, if you tick that box, means that if you were to pass away, your life insurance proceeds are directed to your will. And in your will, you just need to nominate in the body of the will or have a solicitor to help you that you want the life insurance proceeds to be paid to your mom or if you want a step percentage or however much you want paid to your mom. You just need to have that direction set up in your will. So because the life insurance policies are held inside super, the policy owner is actually the super fund. So AIA are the policy owner, and you're the life insured. And because it is a super policy, they have these not fun rules, and they essentially stipulate who we can and can't nominate as a beneficiary. But there is a way around that. So if you like, it would be beneficial to have the beneficiary updated. And we would if you're still wanting your mom, it's absolutely fine. It's more just a matter of ticking that legal personal representative box and a 100% nomination in the percentage line, and then having that, redirected to in the event that you passed away to your estate and then making sure your will is updated to reflect that you want that money paid to your mom, essentially. Does that make sense? Yeah. No. That's understandable. Would you like my team to prefill the nomination for you to cover that? Is that what you yeah. That's okay. We just have to get direction because we're not really allowed to prefill a beneficiary nomination unless you're approving so. But are you happy with us maybe taking that legal personal representative and putting a 100% in the percentage box for you and then resending it out to be signed and and sorted to get it up to date for you and valid? Yeah. Beautiful. Lexham, so I'll get my change to it over the next couple of days. Is it easier, Christie, if they post it to you or email? What's generally easier for you? I can do both if you like. Yeah. Absolutely. We'll do a post. Not a problem at all. And I can see here your super beneficiary, you have the same thing. So it looks like it is your mom, but, again, it she doesn't quite qualify. One of the main things is as much as the super and it looks like the life insurance has accepted the beneficiary nomination. What it comes down to is if you were to pass away, she would have to make a claim against that. And at the time of claim, she has to be able to prove that she is interdependent on you, that she relies on you financially. If she can't prove that, then the super fund and the insurance company come back and go, sorry. Claim denied. The benefit is not payable, and then it goes through a probate process, which is not really what you want when something like that happens. Your your poor mom's going through enough at that point in time. Yeah. So I can do the same thing for your super. Are you wanting your super to be directed to your mom as well in the event of passing? Yeah. Absolutely. Are you comfortable with us pre filling the the super nomination out to your legal personal representative as well? Yeah. Lovely. And are you happy with me putting a 100% to your legal personal representative so the whole amount goes to your to your will and then directed out that way? Yeah. Beautiful. My team will prefill both those documents there. When they do come through, you'll just need to get them signed and witnessed, but we'll have a little cover letter that lets you know. I think one of the most important things is making sure that your wishes are adhered to. And the last thing your poor mom needs is if if you were to pass away, we hope nothing happens. I want you to get to retirement and enjoy your life. But if anything was to happen, the last thing she needs is going through that hard process and having everyone come back and go, sorry. You don't qualify and making her life a lot harder. So, yeah, we we can absolutely help you with that. So you still wanna keep your life cover. Are you happy with the 420,000 that you're insured for keeping at the same at the moment? Well, it really just depends on you. I mean, it's more just about what happens to your mom. Can I ask how old is your mom? Wow. Wow. Is she in a in a assisted living facility or living at home? Wow. She's doing well. She's doing very well. That's fantastic. So, realistically, do you think if you if you were to pass away having your life insurance and your super, you've got 420,000 of life cover and currently a 153,000 of super there. So that's essentially giving her, what, say, $5.07 573,160 of money. Do you think think that would be comfortable to help her, you know, stay at home longer, pay for, you know, additional services, or do you think that that might be too much? Or what's your thought? Yeah. Yeah. Absolutely. She could. Yeah. She I mean, if she's in her eighties and doesn't spend all of that and doesn't do much, she can also then leave that in her will to, you know, her grandkids or whoever she wants to have that left to as well after So that's absolutely fine. Yeah. Yeah. Absolutely. Yep. No. That's absolutely fine. You've also got some total permanent disability there. So total permanent disability can pay out either a lump sum in sorry. A lump sum benefit or an income stream. Stream. If you're fully disabled and unable to go to accident, so unable to go back to work ever again. So think with TBD that you maybe broke your back or had a car accident and you were just never able to work again. This can pay at a lump sum benefit or an income stream. Now TBD, if you claim and you're 60, is actually taxed. It's unfortunately taxed, and it can be taxed up to 22%. If you work a claim on TBD, we as advisers would help by providing advice to help limit that tax consequence. But because realistically, if you were TBD, looking at your circumstances, you could use the, you know, the funds that you have in the offset accounts, pay off all those properties, close the loans completely, you could then draw income from each of those properties. I know your mom's living in the Cleveland property at the moment, but the other properties do obviously provide income there. Do you think the additional 420,000 in CBD is sufficient? Do you are you happy with that level of cover? Do you think you might need more or less? It's hard. It's it's paid for out of your super. Yeah. Definitely. And, look, you don't pay a lot for it. Yeah. But if we had a bit of a look, like, if I because your income at the moment, I've got you earning about $66,003.94. Is that still accurate, or has your income changed a little bit? Okay. Yeah. Yeah. Yeah. Yeah. You mentioned that. Yep. And your income was changing a little bit with that. Yeah. Definitely. Okay. Yep. Yep. Yeah. Yeah. It's growing. It's doing really well. Yes. Okay. No. Yeah. Positively good. Yeah. Yes. Yes. Yeah. No. That's okay. That's completely fine and understandable. So with the 120,000 we're estimating your income to be at, is that including the income from the income from the investment properties? That's on that'll be on top of that. Yeah. Okay. Lovely. Excellent. So with the income from the investment properties there, how much do you estimate you're probably getting from those alone on yeah. Yeah. Yeah. Mhmm. Okay. Beautiful. So when you sort of have a look at that, that's giving you and it's positive income flow as much as it means more tax for yourself. It's good that they're getting income. So we're $8.90 and $6.30. So it's about $1,500 per week from those. So if you sort of had to think about being TBD, so permanently disabled and never able to go back to work and, you know, be self employed doing your job again, your investment properties are currently, you know, say times that by a year. It's about 79,000 per year. If you then got your, say, how much do you do you think you would need to keep that $120,000 income if you were not working, if you weren't able to do your employment? Do your living expenses kind of equate to that, do you think, or do you think you'd be able to live on a like, roughly, give or take, about $79,000 per year there from that's rental income alone. If you were unable to go back to work, you can you do have the option with the TBD. We also claim TBD against your super so you can have that released. That's another, well, $573,001.63 you could get released for additional income or buffers, you know, for yourself to support yourself. And then you've also got that, you know, 79,000 of rental income coming for those properties as well. Do you feel like that would be sufficient? Do you feel like TPD is important to keep for the time being, or would you rather look at canceling your TPD knowing that your rental income would be sufficient if you were not able to work to work anymore? What do you think? How do you feel? Just keep it? Yep. Yep. Beautiful. It's, yeah, it's a bit of a tough one, but it's more just about looking at what your goals are, trying to work out how what your circumstances are, whether the insurance you're paying for is appropriate, whether you wanna keep it, and what the outcome could look like if something was to happen. What does the payout look like? How could this support you, and would it be a good enough buffer for you as well? Or if if you didn't have it, what do you, you know, what do you receive income wise, and does that give you enough income as well? Because living expenses increase. Life gets expensive. And there is also the chance I mean, your rental properties are doing really well, and, you know, you might have them occupied really well all the time, but there might be a chance in the future where they're unoccupied for a certain point of time. So, I mean, having some CBD could provide you with a bit of a buffer if they were unoccupied and there was no rent coming from one or two of those for a short period of time. So it's about just assessing risks and goals and making sure that the cover you have is appropriate to you. In saying that, by the age of 60, if anything happens and you're fully retired, realistically, we shouldn't need any more insurances. We should be able to, if we're not working, retire, take our super, not need insurances, and save that money on premiums as well. Yeah. Okay. Does that make sense? Do you have any questions? I know I've gone through quite a bit with the insurances and talked a lot about them, but do you have any questions? Did you want me to break anything more down for you? Yeah. Yeah. That's okay. You don't that's alright. You don't have any income protection at all, Christie, but, obviously, with your self employed business, it's doing really well. You're a company now as well, and you do have your rental income that is sufficient income wise. You don't wanna apply or look for any new insurances. You know, realistically, you don't technically need income protection at the moment because if you were not working in your business, your rental income still does provide. And you are a company now as well, so you might still be able to draw income out if there's extra money in the business as well. Are you comfortable with not having any income protection? Did you wanna look at anything additional insurance wise? Yep. No. No. The biggest thing with income protection is with essentially, in order to claim, they're gonna then provide, mean, you can obtain it and apply for it absolutely fine. They'll you can apply for income protection for up to 70% of your monthly income, so 70% of your, say, 120,000 there. But, essentially, if you were to then claim because you have your rental income coming in, they'll ask you to provide payslips, but they'll then also ask you to provide tax information showing the rental properties, the income you have done coming in. And they essentially take the amount you're covered for, what you're eligible to claim, and they look at what other income you come have coming in to offset that. So if your rental properties are paying enough income that, you know, offsets majority of your protection policy, then they're realistically not gonna claim. So essentially yeah. So it does make it very difficult because any income protection claim that you make, they will offset by any other income coming in. They look at whether you've got income from self employed that you can be receiving when you're off work, whether you have rental property income that's coming in, like the rent you have coming in. And they do offset or, you know, reduce the amount you're able to receive by the payments or able to get on a regular basis as income. So there is a chance or a risk that you may not be able to claim the full amount that you can be paying for essentially, which probably makes the premiums not worth it. Yeah. Yeah. That's exactly right. And that's probably one of the biggest things is you do pay a lot of money for insurances. So you wanna be able to claim on them. But, I mean, look, your position isn't bad because as you said, your your rental income positively gears with your properties there. So if you weren't able to go to work, and we certainly hope nothing happens. We don't want you to be off work and claiming, but it does obviously show that your rental properties would still provide some income. So you do have a a bit of backup there and can still survive and pay bills and things like that. That. Yeah. Absolutely. Yeah. Yeah. Absolutely. And can I just ask I can see because you do have the three rental properties here here at the moment? The property that you're living in, is that owned by yourself, your partner, or is that a rental property you're living in currently, your main primary residence? Right. Yep. Okay. Perfect. Beautiful. That's okay. Absolutely. I'm sure you give plenty back to the relationship. No. All good. And you do have a trauma policy here that you are paying for out of pocket. It does give you a lump sum tax free benefit in the event of a major traumatic diagnosis, say things like cancers, heart attacks, strokes, things like that. The the current benefit you have is 66,336 and 90¢. Are you happy with the trauma policy you have? Did you wanna look at altering that? Are you happy with the way it is? Well, it really just depends on what your goals are, what what happens. So, realistically, with the trauma policy, if you were to say be diagnosed with, say, a cancer or you had a heart attack or a stroke, if you claim claimed on the trauma policy, it would, at the moment, pay out a lump sum benefit of $66,336.90. That is paid directly to you. It is tax free. It is a very quick payment to receive. You could be using that to, you know, continue, you know, paying bills, looking after yourself, include that with the rental income that you are receiving to kind of, you know, support yourself a little bit longer if you're unable to get it back to work or if you just need extra support while you're not working. We could look at increasing the trauma policy if you wanted to because realistically, income protection may not work for your circumstances, you can also claim trauma. This it's made just a major diagnosis. So if you broke a leg or, you know, hurt your back or something, you can't claim on trauma for those purposes. But a major diagnosis, it can be used instead of income protection. There is the risk, though, that if you, you know because with income protection, you could claim if you broke a leg or broke a back or something like that. So there are risks that you may not be able to claim on the policy, but it just comes down to the level of cover you have and what you're paying. You're paying $50 a month for the trauma policy out of pocket. Do you feel like the level of cover you have is enough for what you might want to give you a buffer before going back to work or to help support yourself to give you a bit of extra funds with your rental income if you, you know, were diagnosed with cancer or had a heart attack or a stroke or Parkinson's, say? How do you feel about the level of cover? You know, does it mean much to you? Do you wanna review it? Talk more about what what you'd wanna pay for a cover. It's a difficult one. I know. I'm sorry. Yeah. $52.73 per month for it out of your back pocket. Yeah. $52.73 per month. Yeah. So it's about $632 per year. Yeah. Yeah. Did you just wanna look at maybe a cheaper policy for the same level of cover, or did you wanna what sort of recommendation were you after? Do you see yeah. Yeah. If, yeah, if you were to say if you were to say be diagnosed with a major traumatic illness or injury, like you had cancer or a heart attack or something, what what do you think you might need to receive from trauma? Do you think you wanna maybe cover one year's worth of gross income from your business, or do you think you wanna maybe cover yourself for two or three or five years worth of income from your business? How much do you feel like you might need in the event of something happening? One full year, so about 120,000. Yeah. Yep. Perfect. Obviously, when we increase trauma, the cost of that is increasing as well. I can't so I'll make a recommendation in the in the advice document as to whether we increase the current policy or increase with another provider. Is there a certain amount of dollar figure that you would be comfortable paying, or are you happy just to look at the increase and what that costs to make that decision for yourself? Well, what we do as part of the advice is we make a recommendation with one product. So we go out there, review all the different options, and then we make a recommendation and show you what the cost is. Generally speaking, yeah, I can look at a new provider, which is absolutely fine, but you do have to when you increase the policy, you have to go back to a new application again. So they're gonna wanna have a look at your health, see whether there's been any changes in your health from when you last completed an application for insurances. If there has been changes, if your health has changed, If there has been changes, if your health has changed, like you've had, you know, an issue with your shoulder or your back or something, there could be loadings or exclusions added to the new part of the policy. But the benefits to increasing with your current provider is that anything that's changed in your health only gets added to the new part of the policy. The older part stays the same. There's no underwriting or changes to the policy that's already in place. Does that make sense? Yeah. Few kilos? Well, I'm that's under that's understandable. That's okay. Just double checking. Is there can I grab do you know what your height and weight is at the moment, roughly? Guesstimate one. Yep. Beautiful. Sixty nine kilos. Beautiful. Lovely. I'm just quickly pulling up a bit of a quick pre assessment here. I just wanted to run through that with you really quickly just to see whether there's anything that might flag on any increase of a trauma policy that we might need to be aware of prior to looking at it. It just helps me to understand what what might be offered to you there. Now I've got your income and employment details. That's absolutely fine. How long have you been self employed? 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"\nDana, Okey Financial. Hi, Christie. It's Dana OQ Financial. How are you today? I'm very well.\n\nThank you. Thanks for asking. How's your day been so far? That is excellent. I'm have you booked in to go through your annual review?\n\nIs now still a good time there for you? Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd you've sorry. Also, this is a security day with you as well. I'll just need to confirm your full name, your date of birth, and address I should have on file just to see how to discuss your personal information. Yep. Fantastic.\n\nThank you so much for that. So I do apologize. I know I had you booked in last week to go to your annual review last Monday. Unfortunately, I was a bit unwell. Hurt my back, so I wasn't able to be at work.\n\nSo I do apologize for rescheduling that one on you. Oh, good. Well, let oh, thank you. One of the things one of the aspects of getting older. We break down a little bit, unfortunately.\n\nNo. All good, Christie. Now I can see you did put your contribution in, which is fantastic. So your contributions for this financial year are now up to 30,000 for the year. You've claimed the notice of intent, and my team have provided you with that confirmation.\n\nYou've got that there ready to go for your tax return. No. Yeah. You don't have to sign one anymore. We already already submitted it.\n\nSo with Hub 20 four, did it require the form? Yeah. We just get verbal confirmation that you're happy for us to process it, which is what Samantha's call was about. About. And then she went online, and she submitted it for you through HAB 24.\n\nSo it's all done and dusted. Yeah. Did you get the acknowledgment letter to the they send a confirmation letter out once that has been completed. Have you received that letter in the mail or in the post or in email? If not, that's okay.\n\nI will grab another one after the call for you and resend it through to you so you have that there. It is not a problem in any way, shape, or form. Okay? Fantastic. Not a problem at all.\n\nLook. Once you once we submit the notice of intent, essentially, it does the super fund does let the ATO know and report on that, so it all should be in your system there. I like to just email out the the acknowledgment letter. This is a secondary confirmation. If you take that with you to your account, it gives us got that as a bit of a backup in case it hasn't been reported correctly.\n\nOkay. Easy. Fantastic. Now as part of your review, we'll go through and have a bit of a look at what your sleep has done, have a look at your goals, and see if there's any new advice to provide there. But is there any specific questions you might have or anything you wanted me to touch on as part of your review?\n\nNo. That's okay. That's absolutely fine. So if you like, I'll start by just giving you a bit of an update here on your super. So having a look back at your review last year, your balance then was about a 114,535 and 79¢.\n\nYour balance this year were upwards of a $153,001.63 and 2¢ there. So, obviously, contributions So when I have a look at your portfolio as a whole, and I'm also sending you an email to see you do have those documents in your email to review there as well. But, essentially, the the portfolio hasn't hasn't performed very badly. It's actually performed quite well. After the last twelve months, it is showing a net after tax after fees return of 9.23%.\n\nSo that is actually a very good return. Looking at your portfolio, you're in you're in that balanced growth kind of environment. So, generally, that's where you see about 70% of your super invested in growth assets. So thinking things like in shares, international shares, listed property, and commodities, so some gold and silver in there as well, and then the other 30% in lower risk defensive investments like cash, bonds, and fixed interest. So this kind of a portfolio, you're sort of averaging chasing a return of around about six to 8% there.\n\nSo the fact that you've got a 9.23% after fees shows that your portfolio has definitely outperformed for the year, and that's a good solid return. Okay? Beautiful. Some people do prefer a dollar figure as opposed to a percentage. So when you look at the gross and the income component there as a dollar figure, your portfolio has made about $13,468 for the year.\n\nSo it is a good return. Right. We've seen a lot of ups and downs this year, so very happy with that, and we certainly wanna make sure we're compounding that forward for you as well. Okay? Beautiful.\n\nI did have a little bit of a look at the underlying investments there. As I kinda mentioned, everything's been doing quite well. There is this one investment within your portfolio that looks like it has sort of underperformed a little bit. It hasn't sort of held your portfolio back in any way this year. But you've got the Australian Equities.\n\nDo you look at your super fund or look at have 24 very often, Christie? No. That's okay. Is that something you just sticks away in the background? Oh, well, thank you.\n\nWell, no. Honestly, look, everything, as I said, has been doing quite well, but you were originally recommended to invest some of your funds in the Benelon Australian Equities Fund that was giving you exposure to the Australian market. Essentially, that managed fund in your portfolio holds anywhere between 15 to 20 different investments depending on what they're invested in. And that sort of managed fund is more of an actively managed fund. So the investment manager of Van Along is trying to outperform against the market.\n\nThey're trying to buy and sell and pick the top and the bottom and pick their way in to and outperform against the benchmark or the market, essentially. Active managers don't always kind of hit that mark. In fact, very few of them do it every year. I've never seen any of them have hit the mark every single year. And to have a little bit of active management in your portfolio, you do pay a little bit more in management fees for doing so.\n\nSo it does cost a little bit more. It is unfortunately underperforming a bit at the moment. So when I've kinda had a look at your portfolio, having a look at what Benelon's been doing, we do wanna look at removing that from your portfolio, maybe doing an investment switch, having a look at all the investments in your portfolio, seeing how they have performed, and if there's maybe a portfolio after that performs a bit better. Are you comfortable with maybe maybe having a look at that for you and updating the advice to see if there's, you know, some better investments out there for you? Yeah.\n\nBeautiful. Oh, good. Are you okay? Do you need a second? I'm so sorry.\n\nCoughing. You're okay? If you need a second, me to stop. Honestly, it's absolutely fine. Oh, look.\n\nEnjoy that. Is it so it make you cough a little bit afterwards? Or oh, beautiful. No. Enjoy that.\n\nWe all just have a little bit of chocolate here and there. There's nothing wrong with that. Oh, all good. Now, Christy, with your portfolio, there's a couple of different investments I've been sort of looking at that we can look to replace that then along with. You can having a look at your agent stage now, are you sort of looking at your goal?\n\nAre you looking to sort of wanting to access super at around about the earliest point that you can, say, age 60, or are you sort of thinking you're probably gonna work a little bit longer? What's your goal for accessing your super? As soon as possible. Understandable. So, realistically, you can access super under the current legislation at the age of 60 if you choose to retire at that point.\n\nAnd you get full access to your Super. No restrictions, and it's tax free, which is great. What I can be doing is looking at essentially, the main reason I'm sort of looking at this is to assess your time horizon because we can replace that along with another active manager, or I could look at investments which might be a bit cheaper, might have more diversification, obviously, because you are in your fifties. Having a cheaper investment means that there's more money in your super compounding working towards towards your goal of accessing your super there. Did you want me to look at something more actively managed like you had in there, or do you wanna look at a cheaper investment that, you know, still provides great growth and has performed well?\n\nIf I was you, I'd honestly be looking to try and boost my super any way possible. So looking at maybe reducing investment fees, looking at having a diversified port you know, diversified portfolio, but looking to diversify as much as possible. So I'd be sort of steering away from that. If it was me, I'd be sort of steering away from the active management in my portfolio, looking to be more passively, cheaply managed, but still wanting to get good returns. But that's just me.\n\nAnd is that okay for you? Yeah. One of the biggest things to consider is when you do have those active managers in your portfolio, because they are to time the market, they are taking a bit more risk to do so. And Benelung, as I mentioned, has generally anywhere between 15 to 20 different investments depending on what they're holding. Whereas I could look at a passively managed funds that might have 200 investments in it.\n\nTherefore, it's giving you more diversification. It's holding more more investments on the Aussie market, and it gives you more diversification, which can lower your risk level and be a cheaper investment as well. If you can save fees here and there, it means you have more money and you're super working harder compounding towards your your goal. Does that make sense? Yeah.\n\nBeautiful. Well, I'll go back and review the portfolio, have a better look at the options there. It does take a couple of weeks to do the research. So once I have that research completed, my team will book you back in, and I can go through the advice with you. You can have a look at what I'm recommending, how, why, what the advantages, disadvantages, and the risks are.\n\nDoes that sound okay? Yep. Fantastic. Excellent. Beautiful.\n\nSo just wanted to go through I'm looking I'm working on the age of 60 for you there as well. I also wanted to have a bit of a look at the insurances here. So I can see with your insurance cover, you have, at the moment, your life, your TPD, and your income sorry. No no income protection. Just your life and TPD, which is paid out of your super fund.\n\nThe current sum insured is 420,000 there. And with the premium for the year, you actually paid one thousand and forty seven and ninety dollars out of your super fund for that. Just to kind of review the insurances with you, if you were to pass away, so looking at life to begin with, what is it that you were sort of hoping to cover? What would you want your life insurance to cover for you? Yeah.\n\nYeah. That's okay. No. That's okay because yeah. Mhmm.\n\nYeah. No. That's okay. So I can see here that you do have your investment property in Brisbane. We did originally have sorry.\n\nLast year, you had a, I believe, a value of 466,000 on that one, and it shows you that you still had a debt owing of about 4,000. Do you still have that loan open? That's all being closed up and paid for? Yep. Yes.\n\nYep. Okay. Beautiful. So you technically owe nothing on the loan. This is open and fully offset.\n\nYep. Yep. I've also got down here the I believe you've got a property in Cleveland, a townhouse that your parents are living in. Is that right? And you had a value of 563,000 on that property.\n\nWould you keep the value about the same? Yeah. Yeah. That's the one in Cleveland. Yeah.\n\nI'm so sorry. I missed that. Sorry. Oh, we wanna update the values on all the properties just to make sure we have the valuations up to date. Yeah.\n\nYou're right. That's okay. Take your time. Yeah. Mhmm.\n\nYep. Six seventy eight. And so sorry. Was that the Brisbane property, or was that the other one that was valued at? I don't have an address on here.\n\nI just have a value of $4.66. Would that be the Brisbane investment property that was valued at $4.66? Yep. I might actually just put the suburb down just so I can allocate the difference between the three properties for you to make it easier on you. Yeah.\n\nYep. Yep. Yep. That's okay. That's not a problem.\n\n$8.40. Yep. Beautiful. And the last investment property I had here, I don't have a suburb. I'm so, so sorry, but it does have the last valuation was 1,200,000.\n\nWhat suburb is your other investment? McGregor? Beautiful. Wow. Fantastic.\n\nBeautiful. Excellent. Thank you for that. And so, realistically, all the properties, you don't owe anything on them. You just have the loans open in case you wanna use the funds again, and you have it fully offset by the offset account.\n\nDo you have an offset account for each of them, or is it under one offset account at all across the queue? Yep. Right. Okay. Yep.\n\nYep. Yes. Yeah. Just paying the loan off. Yeah.\n\nYes. Yeah. Yeah. Absolutely. Can I just get you to run through the offset accounts just to give me the balance in each of those just so I can update all of your assets and liabilities here?\n\nThat's all. Sorry. Is that no. No. We don't we just yeah.\n\nJust have it noted down here that it's sort of offset fully. We don't really have the updated values. That's okay. Yeah. Yep.\n\nYep. Yep. Perfect. Yep. Yep.\n\nYep. Beautiful. Lovely. And I'll just make a note here. So just paying the principal back from the offset account and fully offset.\n\nSo no technically loan. Beautiful. Excellent. Thank you for updating all those details there for me. So when we kind of look at your insurances and why it's kind of important to update all of your assets and liabilities is because we generally have life and TBD cover.\n\nWell, life especially to pay out a lump sum benefits to our beneficiaries if we were to pass away. Normally, we have life cover to sorta help our beneficiaries pay off any debts that we have or provide additional income. So having a look, I've got down here that your, sorry, your partner is Paul. Is that right? Yep.\n\nYou're not technically married. I've got de facto. Is that correct? If it's wrong, let me know. Beautiful.\n\nBeautiful. So if in the event that you have passed away, you have these properties here. And whilst the loans are fully offset, so if anything happened to you, he could realistically use the money, pay out the loans, keep the properties, and generate the income. Do you wanna have any life cover that pays out a lump sum benefit to him? Do you feel like life insurance is still important to you being that you are technically debt free?\n\nYou've got those properties, but you don't have any loans open at the moment. So yeah. Yep. Yeah. Yep.\n\nThat's okay. Beneficiary? Yeah. Absolutely. Awesome.\n\nJust having a look to pull that for you now. But under the current legislation, you actually can't nominate your mom as a beneficiary for your insurance policy because she doesn't really fit the criteria, they have a real strict criteria around nominating a beneficiary when insurance policies are held inside super. So there is a way around it. I can definitely help you to get around it. I've got down here and I'm so sorry.\n\nI'm probably gonna say this name. What's your mom's name? Can I get you to let me know? It is. Yeah.\n\nYeah. So at the moment, under the legislation, realistically, a beneficiary needs to be one of four options. It needs to be a spouse, a child, or an other financial dependent. So does your mom rely on you financially? Do you pay her bills, you know, help her to live?\n\nDoes she rely on you financially for everyday living expenses? Yep. Right. Yep. So yeah.\n\nYep. Right. So real yeah. So because she still gets money and she pays that to you, she's not necessarily seen as financially dependent on you because you're paying her bills with her money. So the way around this, if you are wanting it to be your mom, you do have another option.\n\nOn the form, we have what's called a legal personal representative. That essentially, if you tick that box, means that if you were to pass away, your life insurance proceeds are directed to your will. And in your will, you just need to nominate in the body of the will or have a solicitor to help you that you want the life insurance proceeds to be paid to your mom or if you want a step percentage or however much you want paid to your mom. You just need to have that direction set up in your will. So because the life insurance policies are held inside super, the policy owner is actually the super fund.\n\nSo AIA are the policy owner, and you're the life insured. And because it is a super policy, they have these not fun rules, and they essentially stipulate who we can and can't nominate as a beneficiary. But there is a way around that. So if you like, it would be beneficial to have the beneficiary updated. And we would if you're still wanting your mom, it's absolutely fine.\n\nIt's more just a matter of ticking that legal personal representative box and a 100% nomination in the percentage line, and then having that, redirected to in the event that you passed away to your estate and then making sure your will is updated to reflect that you want that money paid to your mom, essentially. Does that make sense? Yeah. No. That's understandable.\n\nWould you like my team to prefill the nomination for you to cover that? Is that what you yeah. That's okay. We just have to get direction because we're not really allowed to prefill a beneficiary nomination unless you're approving so. But are you happy with us maybe taking that legal personal representative and putting a 100% in the percentage box for you and then resending it out to be signed and and sorted to get it up to date for you and valid?\n\nYeah. Beautiful. Lexham, so I'll get my change to it over the next couple of days. Is it easier, Christie, if they post it to you or email? What's generally easier for you?\n\nI can do both if you like. Yeah. Absolutely. We'll do a post. Not a problem at all.\n\nAnd I can see here your super beneficiary, you have the same thing. So it looks like it is your mom, but, again, it she doesn't quite qualify. One of the main things is as much as the super and it looks like the life insurance has accepted the beneficiary nomination. What it comes down to is if you were to pass away, she would have to make a claim against that. And at the time of claim, she has to be able to prove that she is interdependent on you, that she relies on you financially.\n\nIf she can't prove that, then the super fund and the insurance company come back and go, sorry. Claim denied. The benefit is not payable, and then it goes through a probate process, which is not really what you want when something like that happens. Your your poor mom's going through enough at that point in time. Yeah.\n\nSo I can do the same thing for your super. Are you wanting your super to be directed to your mom as well in the event of passing? Yeah. Absolutely. Are you comfortable with us pre filling the the super nomination out to your legal personal representative as well?\n\nYeah. Lovely. And are you happy with me putting a 100% to your legal personal representative so the whole amount goes to your to your will and then directed out that way? Yeah. Beautiful.\n\nMy team will prefill both those documents there. When they do come through, you'll just need to get them signed and witnessed, but we'll have a little cover letter that lets you know. I think one of the most important things is making sure that your wishes are adhered to. And the last thing your poor mom needs is if if you were to pass away, we hope nothing happens. I want you to get to retirement and enjoy your life.\n\nBut if anything was to happen, the last thing she needs is going through that hard process and having everyone come back and go, sorry. You don't qualify and making her life a lot harder. So, yeah, we we can absolutely help you with that. So you still wanna keep your life cover. Are you happy with the 420,000 that you're insured for keeping at the same at the moment?\n\nWell, it really just depends on you. I mean, it's more just about what happens to your mom. Can I ask how old is your mom? Wow. Wow.\n\nIs she in a in a assisted living facility or living at home? Wow. She's doing well. She's doing very well. That's fantastic.\n\nSo, realistically, do you think if you if you were to pass away having your life insurance and your super, you've got 420,000 of life cover and currently a 153,000 of super there. So that's essentially giving her, what, say, $5.07 573,160 of money. Do you think think that would be comfortable to help her, you know, stay at home longer, pay for, you know, additional services, or do you think that that might be too much? Or what's your thought? Yeah.\n\nYeah. Absolutely. She could. Yeah. She I mean, if she's in her eighties and doesn't spend all of that and doesn't do much, she can also then leave that in her will to, you know, her grandkids or whoever she wants to have that left to as well after So that's absolutely fine.\n\nYeah. Yeah. Absolutely. Yep. No.\n\nThat's absolutely fine. You've also got some total permanent disability there. So total permanent disability can pay out either a lump sum in sorry. A lump sum benefit or an income stream. Stream.\n\nIf you're fully disabled and unable to go to accident, so unable to go back to work ever again. So think with TBD that you maybe broke your back or had a car accident and you were just never able to work again. This can pay at a lump sum benefit or an income stream. Now TBD, if you claim and you're 60, is actually taxed. It's unfortunately taxed, and it can be taxed up to 22%.\n\nIf you work a claim on TBD, we as advisers would help by providing advice to help limit that tax consequence. But because realistically, if you were TBD, looking at your circumstances, you could use the, you know, the funds that you have in the offset accounts, pay off all those properties, close the loans completely, you could then draw income from each of those properties. I know your mom's living in the Cleveland property at the moment, but the other properties do obviously provide income there. Do you think the additional 420,000 in CBD is sufficient? Do you are you happy with that level of cover?\n\nDo you think you might need more or less? It's hard. It's it's paid for out of your super. Yeah. Definitely.\n\nAnd, look, you don't pay a lot for it. Yeah. But if we had a bit of a look, like, if I because your income at the moment, I've got you earning about $66,003.94. Is that still accurate, or has your income changed a little bit? Okay.\n\nYeah. Yeah. Yeah. Yeah. You mentioned that.\n\nYep. And your income was changing a little bit with that. Yeah. Definitely. Okay.\n\nYep. Yep. Yeah. Yeah. It's growing.\n\nIt's doing really well. Yes. Okay. No. Yeah.\n\nPositively good. Yeah. Yes. Yes. Yeah.\n\nNo. That's okay. That's completely fine and understandable. So with the 120,000 we're estimating your income to be at, is that including the income from the income from the investment properties? That's on that'll be on top of that.\n\nYeah. Okay. Lovely. Excellent. So with the income from the investment properties there, how much do you estimate you're probably getting from those alone on yeah.\n\nYeah. Yeah. Mhmm. Okay. Beautiful.\n\nSo when you sort of have a look at that, that's giving you and it's positive income flow as much as it means more tax for yourself. It's good that they're getting income. So we're $8.90 and $6.30. So it's about $1,500 per week from those. So if you sort of had to think about being TBD, so permanently disabled and never able to go back to work and, you know, be self employed doing your job again, your investment properties are currently, you know, say times that by a year.\n\nIt's about 79,000 per year. If you then got your, say, how much do you do you think you would need to keep that $120,000 income if you were not working, if you weren't able to do your employment? Do your living expenses kind of equate to that, do you think, or do you think you'd be able to live on a like, roughly, give or take, about $79,000 per year there from that's rental income alone. If you were unable to go back to work, you can you do have the option with the TBD. We also claim TBD against your super so you can have that released.\n\nThat's another, well, $573,001.63 you could get released for additional income or buffers, you know, for yourself to support yourself. And then you've also got that, you know, 79,000 of rental income coming for those properties as well. Do you feel like that would be sufficient? Do you feel like TPD is important to keep for the time being, or would you rather look at canceling your TPD knowing that your rental income would be sufficient if you were not able to work to work anymore? What do you think?\n\nHow do you feel? Just keep it? Yep. Yep. Beautiful.\n\nIt's, yeah, it's a bit of a tough one, but it's more just about looking at what your goals are, trying to work out how what your circumstances are, whether the insurance you're paying for is appropriate, whether you wanna keep it, and what the outcome could look like if something was to happen. What does the payout look like? How could this support you, and would it be a good enough buffer for you as well? Or if if you didn't have it, what do you, you know, what do you receive income wise, and does that give you enough income as well? Because living expenses increase.\n\nLife gets expensive. And there is also the chance I mean, your rental properties are doing really well, and, you know, you might have them occupied really well all the time, but there might be a chance in the future where they're unoccupied for a certain point of time. So, I mean, having some CBD could provide you with a bit of a buffer if they were unoccupied and there was no rent coming from one or two of those for a short period of time. So it's about just assessing risks and goals and making sure that the cover you have is appropriate to you. In saying that, by the age of 60, if anything happens and you're fully retired, realistically, we shouldn't need any more insurances.\n\nWe should be able to, if we're not working, retire, take our super, not need insurances, and save that money on premiums as well. Yeah. Okay. Does that make sense? Do you have any questions?\n\nI know I've gone through quite a bit with the insurances and talked a lot about them, but do you have any questions? Did you want me to break anything more down for you? Yeah. Yeah. That's okay.\n\nYou don't that's alright. You don't have any income protection at all, Christie, but, obviously, with your self employed business, it's doing really well. You're a company now as well, and you do have your rental income that is sufficient income wise. You don't wanna apply or look for any new insurances. You know, realistically, you don't technically need income protection at the moment because if you were not working in your business, your rental income still does provide.\n\nAnd you are a company now as well, so you might still be able to draw income out if there's extra money in the business as well. Are you comfortable with not having any income protection? Did you wanna look at anything additional insurance wise? Yep. No.\n\nNo. The biggest thing with income protection is with essentially, in order to claim, they're gonna then provide, mean, you can obtain it and apply for it absolutely fine. They'll you can apply for income protection for up to 70% of your monthly income, so 70% of your, say, 120,000 there. But, essentially, if you were to then claim because you have your rental income coming in, they'll ask you to provide payslips, but they'll then also ask you to provide tax information showing the rental properties, the income you have done coming in. And they essentially take the amount you're covered for, what you're eligible to claim, and they look at what other income you come have coming in to offset that.\n\nSo if your rental properties are paying enough income that, you know, offsets majority of your protection policy, then they're realistically not gonna claim. So essentially yeah. So it does make it very difficult because any income protection claim that you make, they will offset by any other income coming in. They look at whether you've got income from self employed that you can be receiving when you're off work, whether you have rental property income that's coming in, like the rent you have coming in. And they do offset or, you know, reduce the amount you're able to receive by the payments or able to get on a regular basis as income.\n\nSo there is a chance or a risk that you may not be able to claim the full amount that you can be paying for essentially, which probably makes the premiums not worth it. Yeah. Yeah. That's exactly right. And that's probably one of the biggest things is you do pay a lot of money for insurances.\n\nSo you wanna be able to claim on them. But, I mean, look, your position isn't bad because as you said, your your rental income positively gears with your properties there. So if you weren't able to go to work, and we certainly hope nothing happens. We don't want you to be off work and claiming, but it does obviously show that your rental properties would still provide some income. So you do have a a bit of backup there and can still survive and pay bills and things like that.\n\nThat. Yeah. Absolutely. Yeah. Yeah.\n\nAbsolutely. And can I just ask I can see because you do have the three rental properties here here at the moment? The property that you're living in, is that owned by yourself, your partner, or is that a rental property you're living in currently, your main primary residence? Right. Yep.\n\nOkay. Perfect. Beautiful. That's okay. Absolutely.\n\nI'm sure you give plenty back to the relationship. No. All good. And you do have a trauma policy here that you are paying for out of pocket. It does give you a lump sum tax free benefit in the event of a major traumatic diagnosis, say things like cancers, heart attacks, strokes, things like that.\n\nThe the current benefit you have is 66,336 and 90¢. Are you happy with the trauma policy you have? Did you wanna look at altering that? Are you happy with the way it is? Well, it really just depends on what your goals are, what what happens.\n\nSo, realistically, with the trauma policy, if you were to say be diagnosed with, say, a cancer or you had a heart attack or a stroke, if you claim claimed on the trauma policy, it would, at the moment, pay out a lump sum benefit of $66,336.90. That is paid directly to you. It is tax free. It is a very quick payment to receive. You could be using that to, you know, continue, you know, paying bills, looking after yourself, include that with the rental income that you are receiving to kind of, you know, support yourself a little bit longer if you're unable to get it back to work or if you just need extra support while you're not working.\n\nWe could look at increasing the trauma policy if you wanted to because realistically, income protection may not work for your circumstances, you can also claim trauma. This it's made just a major diagnosis. So if you broke a leg or, you know, hurt your back or something, you can't claim on trauma for those purposes. But a major diagnosis, it can be used instead of income protection. There is the risk, though, that if you, you know because with income protection, you could claim if you broke a leg or broke a back or something like that.\n\nSo there are risks that you may not be able to claim on the policy, but it just comes down to the level of cover you have and what you're paying. You're paying $50 a month for the trauma policy out of pocket. Do you feel like the level of cover you have is enough for what you might want to give you a buffer before going back to work or to help support yourself to give you a bit of extra funds with your rental income if you, you know, were diagnosed with cancer or had a heart attack or a stroke or Parkinson's, say? How do you feel about the level of cover? You know, does it mean much to you?\n\nDo you wanna review it? Talk more about what what you'd wanna pay for a cover. It's a difficult one. I know. I'm sorry.\n\nYeah. $52.73 per month for it out of your back pocket. Yeah. $52.73 per month. Yeah.\n\nSo it's about $632 per year. Yeah. Yeah. Did you just wanna look at maybe a cheaper policy for the same level of cover, or did you wanna what sort of recommendation were you after? Do you see yeah.\n\nYeah. If, yeah, if you were to say if you were to say be diagnosed with a major traumatic illness or injury, like you had cancer or a heart attack or something, what what do you think you might need to receive from trauma? Do you think you wanna maybe cover one year's worth of gross income from your business, or do you think you wanna maybe cover yourself for two or three or five years worth of income from your business? How much do you feel like you might need in the event of something happening? One full year, so about 120,000.\n\nYeah. Yep. Perfect. Obviously, when we increase trauma, the cost of that is increasing as well. I can't so I'll make a recommendation in the in the advice document as to whether we increase the current policy or increase with another provider.\n\nIs there a certain amount of dollar figure that you would be comfortable paying, or are you happy just to look at the increase and what that costs to make that decision for yourself? Well, what we do as part of the advice is we make a recommendation with one product. So we go out there, review all the different options, and then we make a recommendation and show you what the cost is. Generally speaking, yeah, I can look at a new provider, which is absolutely fine, but you do have to when you increase the policy, you have to go back to a new application again. So they're gonna wanna have a look at your health, see whether there's been any changes in your health from when you last completed an application for insurances.\n\nIf there has been changes, if your health has changed, If there has been changes, if your health has changed, like you've had, you know, an issue with your shoulder or your back or something, there could be loadings or exclusions added to the new part of the policy. But the benefits to increasing with your current provider is that anything that's changed in your health only gets added to the new part of the policy. The older part stays the same. There's no underwriting or changes to the policy that's already in place. Does that make sense?\n\nYeah. Few kilos? Well, I'm that's under that's understandable. That's okay. Just double checking.\n\nIs there can I grab do you know what your height and weight is at the moment, roughly? Guesstimate one. Yep. Beautiful. Sixty nine kilos.\n\nBeautiful. Lovely. I'm just quickly pulling up a bit of a quick pre assessment here. I just wanted to run through that with you really quickly just to see whether there's anything that might flag on any increase of a trauma policy that we might need to be aware of prior to looking at it. It just helps me to understand what what might be offered to you there.\n\nNow I've got your income and employment details. That's absolutely fine. How long have you been self employed? For how many years have you technically been self employed?","paragraphs":[{"sentences":[{"text":"Dana, Okey Financial.","start":8.8,"end":10.179999,"sentiment":"neutral","sentiment_score":0.027049216752250988},{"text":"Hi, Christie.","start":12.015,"end":15.533751,"sentiment":"neutral","sentiment_score":0.18684478849172592},{"text":"It's Dana OQ Financial.","start":18.0525,"end":24.99,"sentiment":"neutral","sentiment_score":0.18866027146577835},{"text":"How are you today?","start":25.05,"end":26.11,"sentiment":"neutral","sentiment_score":0.21887008473277092},{"text":"I'm very well.","start":29.05,"end":29.93,"sentiment":"positive","sentiment_score":0.5523266593615214}],"sentiment":"neutral","sentiment_score":0.23387116438243538,"num_words":16,"start":8.8,"end":29.93},{"sentences":[{"text":"Thank you.","start":29.93,"end":30.33,"sentiment":"positive","sentiment_score":0.6352348923683167},{"text":"Thanks for asking.","start":30.33,"end":31.39,"sentiment":"positive","sentiment_score":0.6044360796610514},{"text":"How's your day been so far?","start":31.45,"end":33.23,"sentiment":"neutral","sentiment_score":0.25531789163748425},{"text":"That is excellent.","start":38.41,"end":39.585003,"sentiment":"positive","sentiment_score":0.7739486296971639},{"text":"I'm have you booked in to go through your annual review?","start":40.445,"end":42.525,"sentiment":"neutral","sentiment_score":0.2565639452500777}],"sentiment":"positive","sentiment_score":0.39038938641548154,"num_words":25,"start":29.93,"end":42.525},{"sentences":[{"text":"Is now still a good time there for you?","start":42.525,"end":44.705,"sentiment":"neutral","sentiment_score":0.2243570304579205},{"text":"Fantastic.","start":46.605,"end":47.105,"sentiment":"positive","sentiment_score":0.5939037799835205},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality quality and training purposes.","start":47.645,"end":52.23,"sentiment":"neutral","sentiment_score":0.16483497856692833},{"text":"Are you happy for me to proceed with that?","start":52.23,"end":54.17,"sentiment":"neutral","sentiment_score":0.21248941289054024},{"text":"Fantastic.","start":56.789997,"end":57.289997,"sentiment":"positive","sentiment_score":0.5479960441589355}],"sentiment":"neutral","sentiment_score":0.20714017482740538,"num_words":42,"start":42.525,"end":57.289997},{"sentences":[{"text":"And you've sorry.","start":58.07,"end":59.269997,"sentiment":"neutral","sentiment_score":0.16861364245414734},{"text":"Also, this is a security day with you as well.","start":59.269997,"end":61.19,"sentiment":"neutral","sentiment_score":0.1020111732184887},{"text":"I'll just need to confirm your full name, your date of birth, and address I should have on file just to see how to discuss your personal information.","start":61.19,"end":66.935,"sentiment":"neutral","sentiment_score":0.0697260754449027},{"text":"Yep.","start":71.315,"end":71.815,"sentiment":"neutral","sentiment_score":0.013377701863646507},{"text":"Fantastic.","start":81.48,"end":81.98,"sentiment":"positive","sentiment_score":0.5733152031898499}],"sentiment":"neutral","sentiment_score":0.09453431807111862,"num_words":43,"start":58.07,"end":81.98},{"sentences":[{"text":"Thank you so much for that.","start":82.28,"end":83.9,"sentiment":"positive","sentiment_score":0.5295271277427673},{"text":"So I do apologize.","start":84.12,"end":85.24,"sentiment":"neutral","sentiment_score":-0.08125003427267075},{"text":"I know I had you booked in last week to go to your annual review last Monday.","start":85.24,"end":88.36,"sentiment":"neutral","sentiment_score":-0.021603335900341764},{"text":"Unfortunately, I was a bit unwell.","start":88.36,"end":89.82,"sentiment":"negative","sentiment_score":-0.389656737446785},{"text":"Hurt my back, so I wasn't able to be at work.","start":89.835,"end":91.915,"sentiment":"neutral","sentiment_score":-0.3321838514371352}],"sentiment":"neutral","sentiment_score":-0.07970583798702467,"num_words":44,"start":82.28,"end":91.915},{"sentences":[{"text":"So I do apologize for rescheduling that one on you.","start":91.915,"end":94.815,"sentiment":"neutral","sentiment_score":-0.22436396032571793},{"text":"Oh, good.","start":97.674995,"end":98.155,"sentiment":"neutral","sentiment_score":0.13755901157855988},{"text":"Well, let oh, thank you.","start":98.155,"end":101.275,"sentiment":"neutral","sentiment_score":0.08507986068725586},{"text":"One of the things one of the aspects of getting older.","start":101.275,"end":103.47,"sentiment":"neutral","sentiment_score":-0.11202980103817853},{"text":"We break down a little bit, unfortunately.","start":103.55,"end":105.17,"sentiment":"neutral","sentiment_score":-0.31891088613442015}],"sentiment":"neutral","sentiment_score":-0.14308075117213384,"num_words":35,"start":91.915,"end":105.17},{"sentences":[{"text":"No.","start":109.23,"end":109.73,"sentiment":"neutral","sentiment_score":-0.1872023344039917},{"text":"All good, Christie.","start":109.950005,"end":110.99,"sentiment":"neutral","sentiment_score":0.016005709767341614},{"text":"Now I can see you did put your contribution in, which is fantastic.","start":110.99,"end":114.05,"sentiment":"positive","sentiment_score":0.38707414957193226},{"text":"So your contributions for this financial year are now up to 30,000 for the year.","start":114.11,"end":119.195,"sentiment":"neutral","sentiment_score":0.27211631933848063},{"text":"You've claimed the notice of intent, and my team have provided you with that confirmation.","start":119.255,"end":123.034996,"sentiment":"neutral","sentiment_score":0.08575058914721012}],"sentiment":"neutral","sentiment_score":0.2183145184386918,"num_words":47,"start":109.23,"end":123.034996},{"sentences":[{"text":"You've got that there ready to go for your tax return.","start":123.095,"end":125.674995,"sentiment":"neutral","sentiment_score":0.0998290441930294},{"text":"No.","start":131.815,"end":132.12,"sentiment":"neutral","sentiment_score":-0.053495652973651886},{"text":"Yeah.","start":134.59999,"end":135.09999,"sentiment":"neutral","sentiment_score":0.08562470972537994},{"text":"You don't have to sign one anymore.","start":135.23999,"end":136.68,"sentiment":"neutral","sentiment_score":0.007523098162242344},{"text":"We already already submitted it.","start":136.68,"end":138.28,"sentiment":"neutral","sentiment_score":0.16872844994068145}],"sentiment":"neutral","sentiment_score":0.0810620991885662,"num_words":25,"start":123.095,"end":138.28},{"sentences":[{"text":"So with Hub 20 four, did it require the form?","start":138.28,"end":140.92,"sentiment":"neutral","sentiment_score":0.16253212690353394},{"text":"Yeah.","start":140.92,"end":141.15999,"sentiment":"neutral","sentiment_score":0.1722680926322937},{"text":"We just get verbal confirmation that you're happy for us to process it, which is what Samantha's call was about.","start":141.15999,"end":145.905,"sentiment":"positive","sentiment_score":0.38860913515090945},{"text":"About.","start":146.465,"end":146.705,"sentiment":"neutral","sentiment_score":0.1162620335817337},{"text":"And then she went online, and she submitted it for you through HAB 24.","start":146.705,"end":150.465,"sentiment":"neutral","sentiment_score":0.1520322257918971}],"sentiment":"neutral","sentiment_score":0.2568366360729155,"num_words":46,"start":138.28,"end":150.465},{"sentences":[{"text":"So it's all done and dusted.","start":150.465,"end":151.765,"sentiment":"neutral","sentiment_score":0.2923922886451085},{"text":"Yeah.","start":153.985,"end":154.465,"sentiment":"neutral","sentiment_score":0.24356858432292935},{"text":"Did you get the acknowledgment letter to the they send a confirmation letter out once that has been completed.","start":154.465,"end":159.905,"sentiment":"neutral","sentiment_score":0.13192281656359373},{"text":"Have you received that letter in the mail or in the post or in email?","start":159.905,"end":163.55,"sentiment":"neutral","sentiment_score":0.03733110129833221},{"text":"If not, that's okay.","start":166.17001,"end":168.17001,"sentiment":"neutral","sentiment_score":-0.005704526323825121}],"sentiment":"neutral","sentiment_score":0.11203564989070097,"num_words":45,"start":150.465,"end":168.17001},{"sentences":[{"text":"I will grab another one after the call for you and resend it through to you so you have that there.","start":168.17001,"end":172.57,"sentiment":"neutral","sentiment_score":0.09347506062615485},{"text":"It is not a problem in any way, shape, or form.","start":172.57,"end":174.82501,"sentiment":"neutral","sentiment_score":0.24205594848502765},{"text":"Okay?","start":174.82501,"end":175.32501,"sentiment":"neutral","sentiment_score":0.12034250795841216},{"text":"Fantastic.","start":177.785,"end":178.285,"sentiment":"positive","sentiment_score":0.7177190780639648},{"text":"Not a problem at all.","start":178.345,"end":179.88501,"sentiment":"positive","sentiment_score":0.46662735342979433}],"sentiment":"neutral","sentiment_score":0.19991769383733088,"num_words":39,"start":168.17001,"end":179.88501},{"sentences":[{"text":"Look.","start":180.02501,"end":180.345,"sentiment":"neutral","sentiment_score":0.20743441581726071},{"text":"Once you once we submit the notice of intent, essentially, it does the super fund does let the ATO know and report on that, so it all should be in your system there.","start":180.345,"end":188.78,"sentiment":"neutral","sentiment_score":0.18979212777181106},{"text":"I like to just email out the the acknowledgment letter.","start":188.78,"end":192.06,"sentiment":"neutral","sentiment_score":0.21879061609506606},{"text":"This is a secondary confirmation.","start":192.06,"end":193.66,"sentiment":"neutral","sentiment_score":0.19818200767040253},{"text":"If you take that with you to your account, it gives us got that as a bit of a backup in case it hasn't been reported correctly.","start":193.66,"end":199.295,"sentiment":"neutral","sentiment_score":0.1792871103518539}],"sentiment":"neutral","sentiment_score":0.19065977383012833,"num_words":76,"start":180.02501,"end":199.295},{"sentences":[{"text":"Okay.","start":199.595,"end":200.095,"sentiment":"neutral","sentiment_score":0.11047756671905518},{"text":"Easy.","start":201.995,"end":202.47499,"sentiment":"positive","sentiment_score":0.5062530040740967},{"text":"Fantastic.","start":202.47499,"end":202.97499,"sentiment":"positive","sentiment_score":0.6640851497650146},{"text":"Now as part of your review, we'll go through and have a bit of a look at what your sleep has done, have a look at your goals, and see if there's any new advice to provide there.","start":203.11499,"end":209.915,"sentiment":"neutral","sentiment_score":0.21909224673321373},{"text":"But is there any specific questions you might have or anything you wanted me to touch on as part of your review?","start":209.915,"end":218.83665,"sentiment":"neutral","sentiment_score":0.03151786725290797}],"sentiment":"neutral","sentiment_score":0.16348752660292482,"num_words":63,"start":199.595,"end":218.83665},{"sentences":[{"text":"No.","start":219.34999,"end":219.59,"sentiment":"neutral","sentiment_score":-0.06143705174326897},{"text":"That's okay.","start":219.59,"end":220.31,"sentiment":"neutral","sentiment_score":0.10541975870728493},{"text":"That's absolutely fine.","start":220.31,"end":221.67,"sentiment":"positive","sentiment_score":0.43265939752260846},{"text":"So if you like, I'll start by just giving you a bit of an update here on your super.","start":221.67,"end":225.90999,"sentiment":"neutral","sentiment_score":0.16906520410587914},{"text":"So having a look back at your review last year, your balance then was about a 114,535 and 79¢.","start":225.90999,"end":234.535,"sentiment":"neutral","sentiment_score":0.08681017563988765}],"sentiment":"neutral","sentiment_score":0.14470238832020482,"num_words":44,"start":219.34999,"end":234.535},{"sentences":[{"text":"Your balance this year were upwards of a $153,001.63 and 2¢ there.","start":235.07501,"end":240.99501,"sentiment":"neutral","sentiment_score":0.09981741146607832},{"text":"So, obviously, contributions So when I have a look at your portfolio as a whole, and I'm also sending you an email to see you do have those documents in your email to review there as well.","start":240.99501,"end":254.31,"sentiment":"neutral","sentiment_score":0.11361185481419435},{"text":"But, essentially, the the portfolio hasn't hasn't performed very badly.","start":255.01001,"end":258.785,"sentiment":"neutral","sentiment_score":-0.06336633109604009},{"text":"It's actually performed quite well.","start":258.785,"end":260.485,"sentiment":"positive","sentiment_score":0.3372481405735016},{"text":"After the last twelve months, it is showing a net after tax after fees return of 9.23%.","start":261.025,"end":267.525,"sentiment":"positive","sentiment_score":0.4174151262816261}],"sentiment":"neutral","sentiment_score":0.16812830866183504,"num_words":81,"start":235.07501,"end":267.525},{"sentences":[{"text":"So that is actually a very good return.","start":267.665,"end":269.85,"sentiment":"positive","sentiment_score":0.6149012036621571},{"text":"Looking at your portfolio, you're in you're in that balanced growth kind of environment.","start":270.15002,"end":274.65002,"sentiment":"neutral","sentiment_score":0.28753115023885456},{"text":"So, generally, that's where you see about 70% of your super invested in growth assets.","start":274.95,"end":279.99002,"sentiment":"neutral","sentiment_score":0.22997655669848124},{"text":"So thinking things like in shares, international shares, listed property, and commodities, so some gold and silver in there as well, and then the other 30% in lower risk defensive investments like cash, bonds, and fixed interest.","start":279.99002,"end":292.785,"sentiment":"neutral","sentiment_score":0.17267362310274229},{"text":"So this kind of a portfolio, you're sort of averaging chasing a return of around about six to 8% there.","start":293.08502,"end":298.81998,"sentiment":"neutral","sentiment_score":0.26041981354355814}],"sentiment":"neutral","sentiment_score":0.2552299405190539,"num_words":94,"start":267.665,"end":298.81998},{"sentences":[{"text":"So the fact that you've got a 9.23% after fees shows that your portfolio has definitely outperformed for the year, and that's a good solid return.","start":298.81998,"end":307.96,"sentiment":"positive","sentiment_score":0.4876646433885281},{"text":"Okay?","start":308.18,"end":308.68,"sentiment":"neutral","sentiment_score":0.24541381001472473},{"text":"Beautiful.","start":310.9,"end":311.4,"sentiment":"positive","sentiment_score":0.49344775080680847},{"text":"Some people do prefer a dollar figure as opposed to a percentage.","start":312.275,"end":315.255,"sentiment":"neutral","sentiment_score":0.22334162766734758},{"text":"So when you look at the gross and the income component there as a dollar figure, your portfolio has made about $13,468 for the year.","start":315.39502,"end":323.475,"sentiment":"positive","sentiment_score":0.3336064559221268}],"sentiment":"positive","sentiment_score":0.37597543413822465,"num_words":65,"start":298.81998,"end":323.475},{"sentences":[{"text":"So it is a good return.","start":323.475,"end":324.81,"sentiment":"positive","sentiment_score":0.4792718142271042},{"text":"Right.","start":325.29,"end":325.69,"sentiment":"neutral","sentiment_score":0.313179075717926},{"text":"We've seen a lot of ups and downs this year, so very happy with that, and we certainly wanna make sure we're compounding that forward for you as well.","start":325.69,"end":332.16998,"sentiment":"neutral","sentiment_score":0.33083845983291493},{"text":"Okay?","start":332.16998,"end":332.66998,"sentiment":"neutral","sentiment_score":0.07089881598949432},{"text":"Beautiful.","start":334.97,"end":335.47,"sentiment":"positive","sentiment_score":0.42881691455841064}],"sentiment":"positive","sentiment_score":0.34954844807323654,"num_words":38,"start":323.475,"end":335.47},{"sentences":[{"text":"I did have a little bit of a look at the underlying investments there.","start":336.33,"end":339.32498,"sentiment":"neutral","sentiment_score":0.16870641256017344},{"text":"As I kinda mentioned, everything's been doing quite well.","start":339.32498,"end":341.56497,"sentiment":"neutral","sentiment_score":0.2106040252579583},{"text":"There is this one investment within your portfolio that looks like it has sort of underperformed a little bit.","start":341.56497,"end":347.16498,"sentiment":"neutral","sentiment_score":0.01857073899162443},{"text":"It hasn't sort of held your portfolio back in any way this year.","start":347.16498,"end":350.705,"sentiment":"neutral","sentiment_score":-0.09900670298016988},{"text":"But you've got the Australian Equities.","start":351.085,"end":353.14,"sentiment":"neutral","sentiment_score":0.051915932446718216}],"sentiment":"neutral","sentiment_score":0.05958325409742653,"num_words":61,"start":336.33,"end":353.14},{"sentences":[{"text":"Do you look at your super fund or look at have 24 very often, Christie?","start":353.14,"end":356.6,"sentiment":"neutral","sentiment_score":0.0021172345460702974},{"text":"No.","start":363.78,"end":364.28,"sentiment":"neutral","sentiment_score":-0.06759332120418549},{"text":"That's okay.","start":364.34,"end":365.24002,"sentiment":"neutral","sentiment_score":-0.026258674450218678},{"text":"Is that something you just sticks away in the background?","start":366.42,"end":372.565,"sentiment":"neutral","sentiment_score":-0.04144502263516188},{"text":"Oh, well, thank you.","start":373.905,"end":375.685,"sentiment":"neutral","sentiment_score":0.20721283182501793}],"sentiment":"neutral","sentiment_score":0.010189029657340143,"num_words":32,"start":353.14,"end":375.685},{"sentences":[{"text":"Well, no.","start":375.82498,"end":376.22498,"sentiment":"neutral","sentiment_score":0.015712741762399673},{"text":"Honestly, look, everything, as I said, has been doing quite well, but you were originally recommended to invest some of your funds in the Benelon Australian Equities Fund that was giving you exposure to the Australian market.","start":376.22498,"end":387.75,"sentiment":"neutral","sentiment_score":0.04861350780403292},{"text":"Essentially, that managed fund in your portfolio holds anywhere between 15 to 20 different investments depending on what they're invested in.","start":388.29,"end":395.655,"sentiment":"neutral","sentiment_score":0.028907150828412602},{"text":"And that sort of managed fund is more of an actively managed fund.","start":395.715,"end":398.995,"sentiment":"neutral","sentiment_score":0.05117514571891381},{"text":"So the investment manager of Van Along is trying to outperform against the market.","start":398.995,"end":404.135,"sentiment":"neutral","sentiment_score":0.13583513029984065}],"sentiment":"neutral","sentiment_score":0.05751889837027966,"num_words":87,"start":375.82498,"end":404.135},{"sentences":[{"text":"They're trying to buy and sell and pick the top and the bottom and pick their way in to and outperform against the benchmark or the market, essentially.","start":404.67502,"end":411.91,"sentiment":"neutral","sentiment_score":0.09449440081204687},{"text":"Active managers don't always kind of hit that mark.","start":413.09,"end":415.72998,"sentiment":"neutral","sentiment_score":-0.10409403012858497},{"text":"In fact, very few of them do it every year.","start":415.72998,"end":418.31,"sentiment":"neutral","sentiment_score":-0.12368393242359162},{"text":"I've never seen any of them have hit the mark every single year.","start":418.44998,"end":421.75,"sentiment":"neutral","sentiment_score":-0.11485720139283401},{"text":"And to have a little bit of active management in your portfolio, you do pay a little bit more in management fees for doing so.","start":422.21,"end":427.69498,"sentiment":"neutral","sentiment_score":-0.08105103477835655}],"sentiment":"neutral","sentiment_score":-0.03585013953201911,"num_words":85,"start":404.67502,"end":427.69498},{"sentences":[{"text":"So it does cost a little bit more.","start":427.69498,"end":429.555,"sentiment":"neutral","sentiment_score":-0.14484540931880474},{"text":"It is unfortunately underperforming a bit at the moment.","start":430.41498,"end":433.13498,"sentiment":"negative","sentiment_score":-0.522562755478753},{"text":"So when I've kinda had a look at your portfolio, having a look at what Benelon's been doing, we do wanna look at removing that from your portfolio, maybe doing an investment switch, having a look at all the investments in your portfolio, seeing how they have performed, and if there's maybe a portfolio after that performs a bit better.","start":433.13498,"end":449.78998,"sentiment":"neutral","sentiment_score":-0.07615002517898878},{"text":"Are you comfortable with maybe maybe having a look at that for you and updating the advice to see if there's, you know, some better investments out there for you?","start":450.09,"end":457.375,"sentiment":"neutral","sentiment_score":0.04539195206016302},{"text":"Yeah.","start":459.115,"end":459.595,"sentiment":"neutral","sentiment_score":0.13132399320602417}],"sentiment":"neutral","sentiment_score":-0.08275691694062617,"num_words":108,"start":427.69498,"end":459.595},{"sentences":[{"text":"Beautiful.","start":459.595,"end":460.095,"sentiment":"neutral","sentiment_score":0.3256247639656067},{"text":"Oh, good.","start":460.475,"end":460.875,"sentiment":"neutral","sentiment_score":0.16158506274223328},{"text":"Are you okay?","start":460.875,"end":461.51498,"sentiment":"neutral","sentiment_score":0.05780773237347603},{"text":"Do you need a second?","start":461.51498,"end":462.315,"sentiment":"neutral","sentiment_score":-0.029198654741048814},{"text":"I'm so sorry.","start":462.315,"end":463.215,"sentiment":"neutral","sentiment_score":-0.2066343973080317}],"sentiment":"neutral","sentiment_score":0.004022972924368722,"num_words":14,"start":459.595,"end":463.215},{"sentences":[{"text":"Coughing.","start":463.35498,"end":463.85498,"sentiment":"neutral","sentiment_score":-0.23833534121513367},{"text":"You're okay?","start":466.235,"end":467.055,"sentiment":"neutral","sentiment_score":0.022516919299960136},{"text":"If you need a second, me to stop.","start":467.115,"end":469.22998,"sentiment":"neutral","sentiment_score":0.007880175253376365},{"text":"Honestly, it's absolutely fine.","start":469.28998,"end":471.15,"sentiment":"positive","sentiment_score":0.3702528104186058},{"text":"Oh, look.","start":474.16998,"end":478.18997,"sentiment":"neutral","sentiment_score":0.17320182919502258}],"sentiment":"neutral","sentiment_score":0.09983263526330977,"num_words":17,"start":463.35498,"end":478.18997},{"sentences":[{"text":"Enjoy that.","start":479.05,"end":480.00998,"sentiment":"positive","sentiment_score":0.337287038564682},{"text":"Is it so it make you cough a little bit afterwards?","start":480.00998,"end":482.415,"sentiment":"neutral","sentiment_score":-0.04646264490756122},{"text":"Or oh, beautiful.","start":482.415,"end":487.315,"sentiment":"neutral","sentiment_score":0.14056561949352422},{"text":"No.","start":487.375,"end":487.615,"sentiment":"neutral","sentiment_score":0.01807684823870659},{"text":"Enjoy that.","start":487.615,"end":488.175,"sentiment":"neutral","sentiment_score":0.14901985973119736}],"sentiment":"neutral","sentiment_score":0.04743675838567709,"num_words":19,"start":479.05,"end":488.175},{"sentences":[{"text":"We all just have a little bit of chocolate here and there.","start":488.175,"end":490.01498,"sentiment":"neutral","sentiment_score":0.13425036581854025},{"text":"There's nothing wrong with that.","start":490.01498,"end":491.395,"sentiment":"neutral","sentiment_score":-0.0642134130001068},{"text":"Oh, all good.","start":494.57498,"end":497.96002,"sentiment":"neutral","sentiment_score":0.28508315483729046},{"text":"Now, Christy, with your portfolio, there's a couple of different investments I've been sort of looking at that we can look to replace that then along with.","start":498.26,"end":505.0,"sentiment":"neutral","sentiment_score":0.02894447157504382},{"text":"You can having a look at your agent stage now, are you sort of looking at your goal?","start":506.5,"end":511.215,"sentiment":"neutral","sentiment_score":0.027412769177721605}],"sentiment":"neutral","sentiment_score":0.05261719026244604,"num_words":65,"start":488.175,"end":511.215},{"sentences":[{"text":"Are you looking to sort of wanting to access super at around about the earliest point that you can, say, age 60, or are you sort of thinking you're probably gonna work a little bit longer?","start":511.915,"end":521.37,"sentiment":"neutral","sentiment_score":0.02748081887451311},{"text":"What's your goal for accessing your super?","start":521.37,"end":523.47003,"sentiment":"neutral","sentiment_score":0.030752856550472125},{"text":"As soon as possible.","start":527.45,"end":528.67004,"sentiment":"neutral","sentiment_score":0.04607268422842026},{"text":"Understandable.","start":528.81,"end":529.31,"sentiment":"neutral","sentiment_score":0.07305537164211273},{"text":"So, realistically, you can access super under the current legislation at the age of 60 if you choose to retire at that point.","start":529.77,"end":536.80505,"sentiment":"neutral","sentiment_score":0.15008753538131714}],"sentiment":"neutral","sentiment_score":0.06921040700932204,"num_words":71,"start":511.915,"end":536.80505},{"sentences":[{"text":"And you get full access to your Super.","start":537.025,"end":538.705,"sentiment":"positive","sentiment_score":0.4088023602962494},{"text":"No restrictions, and it's tax free, which is great.","start":538.705,"end":541.205,"sentiment":"positive","sentiment_score":0.3996986813015408},{"text":"What I can be doing is looking at essentially, the main reason I'm sort of looking at this is to assess your time horizon because we can replace that along with another active manager, or I could look at investments which might be a bit cheaper, might have more diversification, obviously, because you are in your fifties.","start":541.905,"end":560.74,"sentiment":"neutral","sentiment_score":0.08124651903646034},{"text":"Having a cheaper investment means that there's more money in your super compounding working towards towards your goal of accessing your super there.","start":561.395,"end":569.015,"sentiment":"neutral","sentiment_score":0.12779333831175513},{"text":"Did you want me to look at something more actively managed like you had in there, or do you wanna look at a cheaper investment that, you know, still provides great growth and has performed well?","start":569.475,"end":579.44995,"sentiment":"neutral","sentiment_score":0.07521699705264634}],"sentiment":"neutral","sentiment_score":0.12891591935509578,"num_words":133,"start":537.025,"end":579.44995},{"sentences":[{"text":"If I was you, I'd honestly be looking to try and boost my super any way possible.","start":586.62994,"end":591.535,"sentiment":"neutral","sentiment_score":0.10699153099866475},{"text":"So looking at maybe reducing investment fees, looking at having a diversified port you know, diversified portfolio, but looking to diversify as much as possible.","start":591.535,"end":601.29,"sentiment":"neutral","sentiment_score":0.01730732999742031},{"text":"So I'd be sort of steering away from that.","start":601.35,"end":604.39,"sentiment":"neutral","sentiment_score":-0.11298553066121207},{"text":"If it was me, I'd be sort of steering away from the active management in my portfolio, looking to be more passively, cheaply managed, but still wanting to get good returns.","start":604.39,"end":613.99506,"sentiment":"neutral","sentiment_score":-0.022106875335016558},{"text":"But that's just me.","start":614.05505,"end":615.35504,"sentiment":"neutral","sentiment_score":0.04711288120597601}],"sentiment":"neutral","sentiment_score":0.008579161516282447,"num_words":86,"start":586.62994,"end":615.35504},{"sentences":[{"text":"And is that okay for you?","start":615.41504,"end":617.03503,"sentiment":"neutral","sentiment_score":0.12569372790555158},{"text":"Yeah.","start":617.895,"end":618.395,"sentiment":"neutral","sentiment_score":0.1557874083518982},{"text":"One of the biggest things to consider is when you do have those active managers in your portfolio, because they are to time the market, they are taking a bit more risk to do so.","start":618.85504,"end":628.57996,"sentiment":"neutral","sentiment_score":-0.021253246601138795},{"text":"And Benelung, as I mentioned, has generally anywhere between 15 to 20 different investments depending on what they're holding.","start":628.87994,"end":635.04,"sentiment":"neutral","sentiment_score":-0.0124879786254544},{"text":"Whereas I could look at a passively managed funds that might have 200 investments in it.","start":635.04,"end":639.665,"sentiment":"neutral","sentiment_score":0.04081932341796346}],"sentiment":"neutral","sentiment_score":0.007557450981157554,"num_words":77,"start":615.41504,"end":639.665},{"sentences":[{"text":"Therefore, it's giving you more diversification.","start":639.665,"end":641.76495,"sentiment":"neutral","sentiment_score":0.0975269116461277},{"text":"It's holding more more investments on the Aussie market, and it gives you more diversification, which can lower your risk level and be a cheaper investment as well.","start":642.065,"end":650.945,"sentiment":"neutral","sentiment_score":0.17695708173726285},{"text":"If you can save fees here and there, it means you have more money and you're super working harder compounding towards your your goal.","start":650.945,"end":658.29,"sentiment":"neutral","sentiment_score":0.18224191820869842},{"text":"Does that make sense?","start":658.29,"end":659.35,"sentiment":"neutral","sentiment_score":0.07843019254505634},{"text":"Yeah.","start":661.17,"end":661.57,"sentiment":"neutral","sentiment_score":0.2317270934581757}],"sentiment":"neutral","sentiment_score":0.16601926443122683,"num_words":63,"start":639.665,"end":661.57},{"sentences":[{"text":"Beautiful.","start":661.57,"end":662.05,"sentiment":"positive","sentiment_score":0.4695093631744385},{"text":"Well, I'll go back and review the portfolio, have a better look at the options there.","start":662.05,"end":666.165,"sentiment":"neutral","sentiment_score":0.15484860492870212},{"text":"It does take a couple of weeks to do the research.","start":666.165,"end":668.245,"sentiment":"neutral","sentiment_score":0.0789565999399532},{"text":"So once I have that research completed, my team will book you back in, and I can go through the advice with you.","start":668.245,"end":673.525,"sentiment":"neutral","sentiment_score":0.0796152158923771},{"text":"You can have a look at what I'm recommending, how, why, what the advantages, disadvantages, and the risks are.","start":673.525,"end":678.40497,"sentiment":"neutral","sentiment_score":0.03490442522850476}],"sentiment":"neutral","sentiment_score":0.09014205266056316,"num_words":70,"start":661.57,"end":678.40497},{"sentences":[{"text":"Does that sound okay?","start":678.40497,"end":680.82996,"sentiment":"neutral","sentiment_score":0.058255210518836975},{"text":"Yep.","start":681.52997,"end":682.02997,"sentiment":"neutral","sentiment_score":0.1964397132396698},{"text":"Fantastic.","start":682.49,"end":682.99,"sentiment":"positive","sentiment_score":0.6034137010574341},{"text":"Excellent.","start":683.37,"end":683.87,"sentiment":"positive","sentiment_score":0.6214742660522461},{"text":"Beautiful.","start":685.05,"end":685.55,"sentiment":"positive","sentiment_score":0.574855387210846}],"sentiment":"neutral","sentiment_score":0.278650488704443,"num_words":8,"start":678.40497,"end":685.55},{"sentences":[{"text":"So just wanted to go through I'm looking I'm working on the age of 60 for you there as well.","start":685.69,"end":691.38995,"sentiment":"neutral","sentiment_score":0.11055760607123374},{"text":"I also wanted to have a bit of a look at the insurances here.","start":691.44995,"end":694.41,"sentiment":"neutral","sentiment_score":0.07577305366950375},{"text":"So I can see with your insurance cover, you have, at the moment, your life, your TPD, and your income sorry.","start":694.41,"end":702.065,"sentiment":"neutral","sentiment_score":-0.013553299985471227},{"text":"No no income protection.","start":702.065,"end":703.34503,"sentiment":"neutral","sentiment_score":-0.22005249932408333},{"text":"Just your life and TPD, which is paid out of your super fund.","start":703.34503,"end":706.405,"sentiment":"neutral","sentiment_score":-0.0625766464150869}],"sentiment":"neutral","sentiment_score":0.01796734961681068,"num_words":72,"start":685.69,"end":706.405},{"sentences":[{"text":"The current sum insured is 420,000 there.","start":706.78503,"end":710.485,"sentiment":"neutral","sentiment_score":-0.02182007660823209},{"text":"And with the premium for the year, you actually paid one thousand and forty seven and ninety dollars out of your super fund for that.","start":711.08997,"end":719.11,"sentiment":"neutral","sentiment_score":-0.027847656458616258},{"text":"Just to kind of review the insurances with you, if you were to pass away, so looking at life to begin with, what is it that you were sort of hoping to cover?","start":719.64996,"end":727.91504,"sentiment":"neutral","sentiment_score":-0.047816559559468064},{"text":"What would you want your life insurance to cover for you?","start":727.91504,"end":730.815,"sentiment":"neutral","sentiment_score":-0.009764926338737661},{"text":"Yeah.","start":740.72,"end":741.22,"sentiment":"neutral","sentiment_score":0.015403548255562782}],"sentiment":"neutral","sentiment_score":-0.03271284486566271,"num_words":77,"start":706.78503,"end":741.22},{"sentences":[{"text":"Yeah.","start":747.36,"end":747.86,"sentiment":"neutral","sentiment_score":-0.06986871361732483},{"text":"That's okay.","start":748.0,"end":748.89996,"sentiment":"neutral","sentiment_score":-0.24543865025043488},{"text":"No.","start":750.32,"end":750.675,"sentiment":"neutral","sentiment_score":-0.06675651669502258},{"text":"That's okay because yeah.","start":751.39496,"end":753.65497,"sentiment":"neutral","sentiment_score":-0.022462280932813883},{"text":"Mhmm.","start":754.195,"end":754.695,"sentiment":"neutral","sentiment_score":-0.0127691850066185}],"sentiment":"neutral","sentiment_score":-0.08112453772789902,"num_words":9,"start":747.36,"end":754.695},{"sentences":[{"text":"Yeah.","start":758.355,"end":758.855,"sentiment":"neutral","sentiment_score":-0.05269746482372284},{"text":"No.","start":763.315,"end":763.71497,"sentiment":"neutral","sentiment_score":-0.14191192388534546},{"text":"That's okay.","start":763.71497,"end":764.595,"sentiment":"neutral","sentiment_score":-0.06367685459554195},{"text":"So I can see here that you do have your investment property in Brisbane.","start":764.595,"end":768.51,"sentiment":"neutral","sentiment_score":0.036241053736635616},{"text":"We did originally have sorry.","start":768.81,"end":770.81,"sentiment":"neutral","sentiment_score":-0.013713984563946725}],"sentiment":"neutral","sentiment_score":0.005080075286652731,"num_words":23,"start":758.355,"end":770.81},{"sentences":[{"text":"Last year, you had a, I believe, a value of 466,000 on that one, and it shows you that you still had a debt owing of about 4,000.","start":770.81,"end":778.905,"sentiment":"neutral","sentiment_score":-0.05450592828648431},{"text":"Do you still have that loan open?","start":779.065,"end":781.085,"sentiment":"neutral","sentiment_score":-0.030602446092026576},{"text":"That's all being closed up and paid for?","start":782.10504,"end":784.18506,"sentiment":"neutral","sentiment_score":-0.058210357557982206},{"text":"Yep.","start":784.18506,"end":784.68506,"sentiment":"neutral","sentiment_score":-0.018007175996899605},{"text":"Yes.","start":787.145,"end":787.645,"sentiment":"neutral","sentiment_score":0.013416677713394163}],"sentiment":"neutral","sentiment_score":-0.04912569940918022,"num_words":45,"start":770.81,"end":787.645},{"sentences":[{"text":"Yep.","start":789.705,"end":790.205,"sentiment":"neutral","sentiment_score":0.01930711604654789},{"text":"Okay.","start":796.39996,"end":796.89996,"sentiment":"neutral","sentiment_score":0.14654573798179626},{"text":"Beautiful.","start":797.36,"end":797.86,"sentiment":"neutral","sentiment_score":0.29460304975509644},{"text":"So you technically owe nothing on the loan.","start":797.92,"end":799.83997,"sentiment":"neutral","sentiment_score":0.07886146754026413},{"text":"This is open and fully offset.","start":799.83997,"end":801.7,"sentiment":"neutral","sentiment_score":0.11558322235941887}],"sentiment":"neutral","sentiment_score":0.10499099872129805,"num_words":17,"start":789.705,"end":801.7},{"sentences":[{"text":"Yep.","start":803.83997,"end":804.08,"sentiment":"neutral","sentiment_score":0.06723204255104065},{"text":"Yep.","start":804.08,"end":804.58,"sentiment":"neutral","sentiment_score":0.0698985904455185},{"text":"I've also got down here the I believe you've got a property in Cleveland, a townhouse that your parents are living in.","start":806.145,"end":814.385,"sentiment":"neutral","sentiment_score":0.06741299124603922},{"text":"Is that right?","start":814.385,"end":815.025,"sentiment":"neutral","sentiment_score":0.0835241749882698},{"text":"And you had a value of 563,000 on that property.","start":815.025,"end":818.625,"sentiment":"neutral","sentiment_score":0.06613444238901138}],"sentiment":"neutral","sentiment_score":0.068436037547685,"num_words":37,"start":803.83997,"end":818.625},{"sentences":[{"text":"Would you keep the value about the same?","start":818.625,"end":820.57996,"sentiment":"neutral","sentiment_score":0.0551542486064136},{"text":"Yeah.","start":824.39996,"end":824.89996,"sentiment":"neutral","sentiment_score":0.050656091421842575},{"text":"Yeah.","start":835.655,"end":836.155,"sentiment":"neutral","sentiment_score":0.018964994698762897},{"text":"That's the one in Cleveland.","start":838.215,"end":839.35504,"sentiment":"neutral","sentiment_score":0.011222453974187373},{"text":"Yeah.","start":839.655,"end":840.155,"sentiment":"neutral","sentiment_score":0.003870756831020117}],"sentiment":"neutral","sentiment_score":0.035677381354616955,"num_words":16,"start":818.625,"end":840.155},{"sentences":[{"text":"I'm so sorry.","start":844.775,"end":845.655,"sentiment":"neutral","sentiment_score":-0.10613379627466202},{"text":"I missed that.","start":845.655,"end":846.375,"sentiment":"neutral","sentiment_score":-0.14387902120749155},{"text":"Sorry.","start":846.375,"end":846.875,"sentiment":"neutral","sentiment_score":-0.08177604526281357},{"text":"Oh, we wanna update the values on all the properties just to make sure we have the valuations up to date.","start":852.87006,"end":857.27,"sentiment":"neutral","sentiment_score":0.004449254833161831},{"text":"Yeah.","start":857.27,"end":857.51,"sentiment":"neutral","sentiment_score":0.07854855805635452}],"sentiment":"neutral","sentiment_score":-0.02275281338470763,"num_words":29,"start":844.775,"end":857.51},{"sentences":[{"text":"You're right.","start":857.51,"end":857.99005,"sentiment":"neutral","sentiment_score":0.17626630514860153},{"text":"That's okay.","start":857.99005,"end":858.63,"sentiment":"neutral","sentiment_score":0.27830490469932556},{"text":"Take your time.","start":858.63,"end":859.53,"sentiment":"neutral","sentiment_score":0.2496413936217626},{"text":"Yeah.","start":862.07,"end":862.515,"sentiment":"neutral","sentiment_score":0.07962162792682648},{"text":"Mhmm.","start":871.235,"end":871.735,"sentiment":"neutral","sentiment_score":0.08137187361717224}],"sentiment":"neutral","sentiment_score":0.2021177891227934,"num_words":9,"start":857.51,"end":871.735},{"sentences":[{"text":"Yep.","start":871.79504,"end":872.29504,"sentiment":"neutral","sentiment_score":0.05388690531253815},{"text":"Six seventy eight.","start":896.935,"end":897.735,"sentiment":"neutral","sentiment_score":0.00863957591354847},{"text":"And so sorry.","start":897.735,"end":898.535,"sentiment":"neutral","sentiment_score":-0.028027788425485294},{"text":"Was that the Brisbane property, or was that the other one that was valued at?","start":898.535,"end":903.035,"sentiment":"neutral","sentiment_score":-0.04937504430611928},{"text":"I don't have an address on here.","start":905.79,"end":907.14996,"sentiment":"neutral","sentiment_score":-0.0762384267789977}],"sentiment":"neutral","sentiment_score":-0.04408870290579467,"num_words":29,"start":871.79504,"end":907.14996},{"sentences":[{"text":"I just have a value of $4.66.","start":907.14996,"end":908.99,"sentiment":"neutral","sentiment_score":-0.048980300447770526},{"text":"Would that be the Brisbane investment property that was valued at $4.66?","start":908.99,"end":913.25,"sentiment":"neutral","sentiment_score":-0.041855367831885815},{"text":"Yep.","start":917.31,"end":917.535,"sentiment":"neutral","sentiment_score":0.003833760973066091},{"text":"I might actually just put the suburb down just so I can allocate the difference between the three properties for you to make it easier on you.","start":921.615,"end":928.495,"sentiment":"neutral","sentiment_score":0.007821070030331612},{"text":"Yeah.","start":928.495,"end":928.995,"sentiment":"neutral","sentiment_score":0.025043774396181107}],"sentiment":"neutral","sentiment_score":-0.012605835227683807,"num_words":48,"start":907.14996,"end":928.995},{"sentences":[{"text":"Yep.","start":932.815,"end":932.97,"sentiment":"neutral","sentiment_score":0.01647317036986351},{"text":"Yep.","start":945.85,"end":946.215,"sentiment":"neutral","sentiment_score":0.020637713372707367},{"text":"Yep.","start":946.215,"end":946.715,"sentiment":"neutral","sentiment_score":0.0187436044216156},{"text":"That's okay.","start":951.97504,"end":952.695,"sentiment":"neutral","sentiment_score":0.06590504199266434},{"text":"That's not a problem.","start":952.695,"end":953.91504,"sentiment":"neutral","sentiment_score":0.07195812277495861}],"sentiment":"neutral","sentiment_score":0.05283300702770551,"num_words":9,"start":932.815,"end":953.91504},{"sentences":[{"text":"$8.40.","start":958.775,"end":959.34,"sentiment":"neutral","sentiment_score":0.015063186176121237},{"text":"Yep.","start":961.74005,"end":962.24005,"sentiment":"neutral","sentiment_score":0.06857475638389587},{"text":"Beautiful.","start":962.30005,"end":962.80005,"sentiment":"neutral","sentiment_score":0.2968267798423767},{"text":"And the last investment property I had here, I don't have a suburb.","start":962.86005,"end":966.62006,"sentiment":"neutral","sentiment_score":-0.02068375051021576},{"text":"I'm so, so sorry, but it does have the last valuation was 1,200,000.","start":966.62006,"end":972.405,"sentiment":"neutral","sentiment_score":-0.029295705258846283}],"sentiment":"neutral","sentiment_score":-0.009285110434324577,"num_words":29,"start":958.775,"end":972.405},{"sentences":[{"text":"What suburb is your other investment?","start":972.405,"end":974.185,"sentiment":"neutral","sentiment_score":0.00038406532257795334},{"text":"McGregor?","start":975.445,"end":975.945,"sentiment":"neutral","sentiment_score":0.005457131192088127},{"text":"Beautiful.","start":976.085,"end":976.585,"sentiment":"neutral","sentiment_score":0.14303353428840637},{"text":"Wow.","start":984.885,"end":985.32,"sentiment":"neutral","sentiment_score":0.13679522275924683},{"text":"Fantastic.","start":988.76,"end":989.26,"sentiment":"positive","sentiment_score":0.5195006728172302}],"sentiment":"neutral","sentiment_score":0.08070909529924393,"num_words":10,"start":972.405,"end":989.26},{"sentences":[{"text":"Beautiful.","start":991.56,"end":992.06,"sentiment":"positive","sentiment_score":0.6206707954406738},{"text":"Excellent.","start":992.36,"end":992.84,"sentiment":"positive","sentiment_score":0.6360607147216797},{"text":"Thank you for that.","start":992.84,"end":993.48,"sentiment":"positive","sentiment_score":0.5681533757597208},{"text":"And so, realistically, all the properties, you don't owe anything on them.","start":993.48,"end":996.84,"sentiment":"neutral","sentiment_score":0.06594924931414425},{"text":"You just have the loans open in case you wanna use the funds again, and you have it fully offset by the offset account.","start":996.84,"end":1005.465,"sentiment":"neutral","sentiment_score":0.09123184795801838}],"sentiment":"neutral","sentiment_score":0.15500715133246212,"num_words":42,"start":991.56,"end":1005.465},{"sentences":[{"text":"Do you have an offset account for each of them, or is it under one offset account at all across the queue?","start":1005.465,"end":1010.685,"sentiment":"neutral","sentiment_score":0.03666614063761451},{"text":"Yep.","start":1016.81,"end":1017.31,"sentiment":"neutral","sentiment_score":0.04539763927459717},{"text":"Right.","start":1018.41,"end":1018.91,"sentiment":"neutral","sentiment_score":0.07376420497894287},{"text":"Okay.","start":1024.65,"end":1025.055,"sentiment":"neutral","sentiment_score":0.11241719126701356},{"text":"Yep.","start":1032.5751,"end":1033.0751,"sentiment":"neutral","sentiment_score":0.1427675485610962}],"sentiment":"neutral","sentiment_score":0.04542314146573727,"num_words":26,"start":1005.465,"end":1033.0751},{"sentences":[{"text":"Yep.","start":1033.8551,"end":1034.3551,"sentiment":"neutral","sentiment_score":0.1542455106973648},{"text":"Yes.","start":1040.19,"end":1040.69,"sentiment":"neutral","sentiment_score":0.057248108088970184},{"text":"Yeah.","start":1042.19,"end":1042.6699,"sentiment":"neutral","sentiment_score":0.03638292849063873},{"text":"Just paying the loan off.","start":1042.6699,"end":1043.97,"sentiment":"neutral","sentiment_score":0.0435347780585289},{"text":"Yeah.","start":1044.35,"end":1044.85,"sentiment":"neutral","sentiment_score":0.052987486124038696}],"sentiment":"neutral","sentiment_score":0.05761532485485077,"num_words":9,"start":1033.8551,"end":1044.85},{"sentences":[{"text":"Yes.","start":1055.9249,"end":1056.4249,"sentiment":"neutral","sentiment_score":-0.004230922088027},{"text":"Yeah.","start":1058.245,"end":1058.745,"sentiment":"neutral","sentiment_score":0.008777743205428123},{"text":"Yeah.","start":1060.325,"end":1060.825,"sentiment":"neutral","sentiment_score":0.07472117990255356},{"text":"Absolutely.","start":1060.885,"end":1061.385,"sentiment":"neutral","sentiment_score":0.1536029875278473},{"text":"Can I just get you to run through the offset accounts just to give me the balance in each of those just so I can update all of your assets and liabilities here?","start":1061.605,"end":1068.6,"sentiment":"neutral","sentiment_score":0.09694336659528992}],"sentiment":"neutral","sentiment_score":0.09275681314033431,"num_words":37,"start":1055.9249,"end":1068.6},{"sentences":[{"text":"That's all.","start":1070.1799,"end":1072.76,"sentiment":"neutral","sentiment_score":0.013504122849553823},{"text":"Sorry.","start":1075.86,"end":1076.36,"sentiment":"neutral","sentiment_score":-0.019912179559469223},{"text":"Is that no.","start":1078.255,"end":1081.575,"sentiment":"neutral","sentiment_score":-0.03668218602736791},{"text":"No.","start":1084.615,"end":1084.9349,"sentiment":"neutral","sentiment_score":-0.0480671152472496},{"text":"We don't we just yeah.","start":1084.9349,"end":1086.5349,"sentiment":"neutral","sentiment_score":-0.05714170262217522}],"sentiment":"neutral","sentiment_score":-0.03639384335838258,"num_words":12,"start":1070.1799,"end":1086.5349},{"sentences":[{"text":"Just have it noted down here that it's sort of offset fully.","start":1086.5349,"end":1090.215,"sentiment":"neutral","sentiment_score":-0.029806215316057205},{"text":"We don't really have the updated values.","start":1090.215,"end":1092.0549,"sentiment":"neutral","sentiment_score":-0.07035823059933526},{"text":"That's okay.","start":1092.0549,"end":1092.7949,"sentiment":"neutral","sentiment_score":-0.00282616401091218},{"text":"Yeah.","start":1092.855,"end":1093.355,"sentiment":"neutral","sentiment_score":0.001860891468822956},{"text":"Yep.","start":1106.95,"end":1107.0299,"sentiment":"neutral","sentiment_score":0.02263866364955902}],"sentiment":"neutral","sentiment_score":-0.03614499873441199,"num_words":23,"start":1086.5349,"end":1107.0299},{"sentences":[{"text":"Yep.","start":1107.0299,"end":1107.5299,"sentiment":"neutral","sentiment_score":0.02465611696243286},{"text":"Yep.","start":1108.95,"end":1109.325,"sentiment":"neutral","sentiment_score":0.04176884889602661},{"text":"Perfect.","start":1109.565,"end":1110.065,"sentiment":"neutral","sentiment_score":0.19038274884223935},{"text":"Yep.","start":1114.7649,"end":1115.2649,"sentiment":"neutral","sentiment_score":0.040705498307943344},{"text":"Yep.","start":1121.325,"end":1121.64,"sentiment":"neutral","sentiment_score":0.040221892297267914}],"sentiment":"neutral","sentiment_score":0.06754702106118202,"num_words":5,"start":1107.0299,"end":1121.64},{"sentences":[{"text":"Yep.","start":1124.6,"end":1125.1,"sentiment":"neutral","sentiment_score":0.04429050534963608},{"text":"Beautiful.","start":1130.84,"end":1131.34,"sentiment":"positive","sentiment_score":0.4626697301864624},{"text":"Lovely.","start":1133.16,"end":1133.66,"sentiment":"positive","sentiment_score":0.4698330163955689},{"text":"And I'll just make a note here.","start":1134.2001,"end":1135.645,"sentiment":"neutral","sentiment_score":0.19463799680982316},{"text":"So just paying the principal back from the offset account and fully offset.","start":1135.645,"end":1140.685,"sentiment":"neutral","sentiment_score":0.08787655085325241}],"sentiment":"neutral","sentiment_score":0.15137627785620483,"num_words":23,"start":1124.6,"end":1140.685},{"sentences":[{"text":"So no technically loan.","start":1140.685,"end":1142.605,"sentiment":"neutral","sentiment_score":0.01931904163211584},{"text":"Beautiful.","start":1142.605,"end":1143.105,"sentiment":"positive","sentiment_score":0.4811517000198364},{"text":"Excellent.","start":1143.245,"end":1143.725,"sentiment":"positive","sentiment_score":0.5593106746673584},{"text":"Thank you for updating all those details there for me.","start":1143.725,"end":1146.305,"sentiment":"positive","sentiment_score":0.6426030695438385},{"text":"So when we kind of look at your insurances and why it's kind of important to update all of your assets and liabilities is because we generally have life and TBD cover.","start":1146.365,"end":1154.59,"sentiment":"neutral","sentiment_score":0.021220316004473716}],"sentiment":"neutral","sentiment_score":0.17130873643327504,"num_words":48,"start":1140.685,"end":1154.59},{"sentences":[{"text":"Well, life especially to pay out a lump sum benefits to our beneficiaries if we were to pass away.","start":1154.73,"end":1161.47,"sentiment":"neutral","sentiment_score":-0.00537110071041082},{"text":"Normally, we have life cover to sorta help our beneficiaries pay off any debts that we have or provide additional income.","start":1162.1699,"end":1169.625,"sentiment":"neutral","sentiment_score":0.0016578808426856995},{"text":"So having a look, I've got down here that your, sorry, your partner is Paul.","start":1170.245,"end":1176.99,"sentiment":"neutral","sentiment_score":-0.004366478510200977},{"text":"Is that right?","start":1176.99,"end":1177.89,"sentiment":"neutral","sentiment_score":-0.008482706422607103},{"text":"Yep.","start":1179.1499,"end":1179.5499,"sentiment":"neutral","sentiment_score":0.01844768598675728}],"sentiment":"neutral","sentiment_score":-0.0023683563853471967,"num_words":59,"start":1154.73,"end":1179.5499},{"sentences":[{"text":"You're not technically married.","start":1179.5499,"end":1180.6699,"sentiment":"neutral","sentiment_score":-0.054060814902186394},{"text":"I've got de facto.","start":1180.6699,"end":1181.63,"sentiment":"neutral","sentiment_score":-0.032787755597382784},{"text":"Is that correct?","start":1181.63,"end":1182.35,"sentiment":"neutral","sentiment_score":-0.009676932667692503},{"text":"If it's wrong, let me know.","start":1182.35,"end":1183.8099,"sentiment":"neutral","sentiment_score":-0.058705259735385575},{"text":"Beautiful.","start":1184.59,"end":1185.09,"sentiment":"positive","sentiment_score":0.46236568689346313}],"sentiment":"neutral","sentiment_score":-0.014793941751122475,"num_words":18,"start":1179.5499,"end":1185.09},{"sentences":[{"text":"Beautiful.","start":1186.6699,"end":1187.1699,"sentiment":"positive","sentiment_score":0.4829803705215454},{"text":"So if in the event that you have passed away, you have these properties here.","start":1187.39,"end":1191.1151,"sentiment":"neutral","sentiment_score":0.1175885796546936},{"text":"And whilst the loans are fully offset, so if anything happened to you, he could realistically use the money, pay out the loans, keep the properties, and generate the income.","start":1191.1151,"end":1199.4551,"sentiment":"neutral","sentiment_score":0.13267118185758592},{"text":"Do you wanna have any life cover that pays out a lump sum benefit to him?","start":1199.915,"end":1204.4299,"sentiment":"neutral","sentiment_score":0.07556031527929008},{"text":"Do you feel like life insurance is still important to you being that you are technically debt free?","start":1204.57,"end":1210.8099,"sentiment":"neutral","sentiment_score":-0.06986498667134179}],"sentiment":"neutral","sentiment_score":0.0772292475681752,"num_words":80,"start":1186.6699,"end":1210.8099},{"sentences":[{"text":"You've got those properties, but you don't have any loans open at the moment.","start":1210.8099,"end":1227.135,"sentiment":"neutral","sentiment_score":-0.006190002230661256},{"text":"So yeah.","start":1227.135,"end":1228.6699,"sentiment":"neutral","sentiment_score":0.07134834490716457},{"text":"Yep.","start":1237.37,"end":1237.87,"sentiment":"neutral","sentiment_score":0.051676105707883835},{"text":"Yeah.","start":1239.85,"end":1240.125,"sentiment":"neutral","sentiment_score":0.06434468924999237},{"text":"Yep.","start":1247.405,"end":1247.905,"sentiment":"neutral","sentiment_score":0.03965636342763901}],"sentiment":"neutral","sentiment_score":0.011142832472136146,"num_words":19,"start":1210.8099,"end":1247.905},{"sentences":[{"text":"That's okay.","start":1249.965,"end":1250.865,"sentiment":"neutral","sentiment_score":0.03417030815035105},{"text":"Beneficiary?","start":1252.3,"end":1252.8,"sentiment":"neutral","sentiment_score":0.037936657667160034},{"text":"Yeah.","start":1253.66,"end":1254.16,"sentiment":"neutral","sentiment_score":0.01196449901908636},{"text":"Absolutely.","start":1255.34,"end":1255.84,"sentiment":"neutral","sentiment_score":0.038938961923122406},{"text":"Awesome.","start":1257.1,"end":1257.6,"sentiment":"neutral","sentiment_score":0.2069394439458847}],"sentiment":"neutral","sentiment_score":0.0606866964759926,"num_words":6,"start":1249.965,"end":1257.6},{"sentences":[{"text":"Just having a look to pull that for you now.","start":1257.66,"end":1259.66,"sentiment":"neutral","sentiment_score":0.036096240021288396},{"text":"But under the current legislation, you actually can't nominate your mom as a beneficiary for your insurance policy because she doesn't really fit the criteria, they have a real strict criteria around nominating a beneficiary when insurance policies are held inside super.","start":1259.66,"end":1275.465,"sentiment":"neutral","sentiment_score":-0.21396854839154653},{"text":"So there is a way around it.","start":1277.205,"end":1278.645,"sentiment":"neutral","sentiment_score":-0.10235191349472318},{"text":"I can definitely help you to get around it.","start":1278.645,"end":1280.9049,"sentiment":"neutral","sentiment_score":0.1347976935406526},{"text":"I've got down here and I'm so sorry.","start":1281.125,"end":1283.61,"sentiment":"neutral","sentiment_score":-0.09369161445647478}],"sentiment":"neutral","sentiment_score":-0.11682281184843496,"num_words":76,"start":1257.66,"end":1283.61},{"sentences":[{"text":"I'm probably gonna say this name.","start":1283.61,"end":1284.8099,"sentiment":"neutral","sentiment_score":-0.01444093215589722},{"text":"What's your mom's name?","start":1284.8099,"end":1285.85,"sentiment":"neutral","sentiment_score":0.003302939992863685},{"text":"Can I get you to let me know?","start":1285.85,"end":1288.67,"sentiment":"neutral","sentiment_score":0.010235145688056946},{"text":"It is.","start":1290.17,"end":1290.91,"sentiment":"neutral","sentiment_score":0.010175872128456833},{"text":"Yeah.","start":1291.45,"end":1291.95,"sentiment":"neutral","sentiment_score":0.006912841461598873}],"sentiment":"neutral","sentiment_score":0.0017005675361447393,"num_words":21,"start":1283.61,"end":1291.95},{"sentences":[{"text":"Yeah.","start":1293.45,"end":1293.95,"sentiment":"neutral","sentiment_score":0.008351616561412811},{"text":"So at the moment, under the legislation, realistically, a beneficiary needs to be one of four options.","start":1294.09,"end":1300.045,"sentiment":"neutral","sentiment_score":-0.023893683491384283},{"text":"It needs to be a spouse, a child, or an other financial dependent.","start":1300.045,"end":1303.8251,"sentiment":"neutral","sentiment_score":-0.005481308326125145},{"text":"So does your mom rely on you financially?","start":1304.365,"end":1306.9451,"sentiment":"neutral","sentiment_score":-0.01303089503198862},{"text":"Do you pay her bills, you know, help her to live?","start":1307.165,"end":1310.4451,"sentiment":"neutral","sentiment_score":-0.04185437715866349}],"sentiment":"neutral","sentiment_score":-0.020674866400659086,"num_words":50,"start":1293.45,"end":1310.4451},{"sentences":[{"text":"Does she rely on you financially for everyday living expenses?","start":1310.4451,"end":1313.9299,"sentiment":"neutral","sentiment_score":-0.058246225118637085},{"text":"Yep.","start":1319.35,"end":1319.85,"sentiment":"neutral","sentiment_score":-0.06358109414577484},{"text":"Right.","start":1323.51,"end":1324.01,"sentiment":"neutral","sentiment_score":0.04458865150809288},{"text":"Yep.","start":1324.47,"end":1324.97,"sentiment":"neutral","sentiment_score":0.05992269515991211},{"text":"So yeah.","start":1325.11,"end":1333.115,"sentiment":"neutral","sentiment_score":0.1181296668946743}],"sentiment":"neutral","sentiment_score":-0.020351510991652808,"num_words":15,"start":1310.4451,"end":1333.115},{"sentences":[{"text":"Yep.","start":1336.2151,"end":1336.7151,"sentiment":"neutral","sentiment_score":0.07087132334709167},{"text":"Right.","start":1338.775,"end":1339.255,"sentiment":"neutral","sentiment_score":0.04296163842082024},{"text":"So real yeah.","start":1339.255,"end":1340.97,"sentiment":"neutral","sentiment_score":0.004244713733593621},{"text":"So because she still gets money and she pays that to you, she's not necessarily seen as financially dependent on you because you're paying her bills with her money.","start":1340.97,"end":1350.81,"sentiment":"neutral","sentiment_score":-0.19408239912370157},{"text":"So the way around this, if you are wanting it to be your mom, you do have another option.","start":1350.81,"end":1355.905,"sentiment":"neutral","sentiment_score":-0.09418618188876855}],"sentiment":"neutral","sentiment_score":-0.13757282882085387,"num_words":53,"start":1336.2151,"end":1355.905},{"sentences":[{"text":"On the form, we have what's called a legal personal representative.","start":1355.905,"end":1358.9651,"sentiment":"neutral","sentiment_score":0.008464110337875107},{"text":"That essentially, if you tick that box, means that if you were to pass away, your life insurance proceeds are directed to your will.","start":1359.665,"end":1366.79,"sentiment":"neutral","sentiment_score":-0.06476698691646258},{"text":"And in your will, you just need to nominate in the body of the will or have a solicitor to help you that you want the life insurance proceeds to be paid to your mom or if you want a step percentage or however much you want paid to your mom.","start":1367.09,"end":1380.945,"sentiment":"neutral","sentiment_score":0.019115672245913862},{"text":"You just need to have that direction set up in your will.","start":1380.945,"end":1383.445,"sentiment":"neutral","sentiment_score":0.017408347067733605},{"text":"So because the life insurance policies are held inside super, the policy owner is actually the super fund.","start":1383.745,"end":1391.745,"sentiment":"neutral","sentiment_score":-0.10578257011042701}],"sentiment":"neutral","sentiment_score":-0.018806804180273723,"num_words":116,"start":1355.905,"end":1391.745},{"sentences":[{"text":"So AIA are the policy owner, and you're the life insured.","start":1391.745,"end":1395.1,"sentiment":"neutral","sentiment_score":-0.0927435379814018},{"text":"And because it is a super policy, they have these not fun rules, and they essentially stipulate who we can and can't nominate as a beneficiary.","start":1395.48,"end":1404.62,"sentiment":"neutral","sentiment_score":-0.288039767398284},{"text":"But there is a way around that.","start":1405.16,"end":1406.84,"sentiment":"neutral","sentiment_score":-0.10824423709086009},{"text":"So if you like, it would be beneficial to have the beneficiary updated.","start":1406.84,"end":1411.125,"sentiment":"neutral","sentiment_score":0.2603650322327247},{"text":"And we would if you're still wanting your mom, it's absolutely fine.","start":1412.0651,"end":1415.505,"sentiment":"positive","sentiment_score":0.465299129486084}],"sentiment":"neutral","sentiment_score":-0.004327355897512989,"num_words":69,"start":1391.745,"end":1415.505},{"sentences":[{"text":"It's more just a matter of ticking that legal personal representative box and a 100% nomination in the percentage line, and then having that, redirected to in the event that you passed away to your estate and then making sure your will is updated to reflect that you want that money paid to your mom, essentially.","start":1415.505,"end":1434.465,"sentiment":"neutral","sentiment_score":0.2823150046169758},{"text":"Does that make sense?","start":1434.465,"end":1435.605,"sentiment":"neutral","sentiment_score":0.15155037492513657},{"text":"Yeah.","start":1437.665,"end":1438.165,"sentiment":"neutral","sentiment_score":-0.0657181590795517},{"text":"No.","start":1440.225,"end":1440.725,"sentiment":"neutral","sentiment_score":-0.1259550303220749},{"text":"That's understandable.","start":1440.945,"end":1441.845,"sentiment":"neutral","sentiment_score":-0.06852248311042786}],"sentiment":"neutral","sentiment_score":0.25136130629107356,"num_words":64,"start":1415.505,"end":1441.845},{"sentences":[{"text":"Would you like my team to prefill the nomination for you to cover that?","start":1442.945,"end":1447.265,"sentiment":"neutral","sentiment_score":-0.017226229953978742},{"text":"Is that what you yeah.","start":1447.265,"end":1451.94,"sentiment":"neutral","sentiment_score":0.07733933441340923},{"text":"That's okay.","start":1451.94,"end":1452.58,"sentiment":"neutral","sentiment_score":0.31492164731025696},{"text":"We just have to get direction because we're not really allowed to prefill a beneficiary nomination unless you're approving so.","start":1452.58,"end":1458.58,"sentiment":"neutral","sentiment_score":0.046636261977255344},{"text":"But are you happy with us maybe taking that legal personal representative and putting a 100% in the percentage box for you and then resending it out to be signed and and sorted to get it up to date for you and valid?","start":1458.58,"end":1470.275,"sentiment":"neutral","sentiment_score":0.18576448722634203}],"sentiment":"neutral","sentiment_score":0.11542822544773419,"num_words":84,"start":1442.945,"end":1470.275},{"sentences":[{"text":"Yeah.","start":1471.935,"end":1472.435,"sentiment":"neutral","sentiment_score":0.24768540263175964},{"text":"Beautiful.","start":1472.495,"end":1472.995,"sentiment":"positive","sentiment_score":0.5055971145629883},{"text":"Lexham, so I'll get my change to it over the next couple of days.","start":1473.375,"end":1476.0951,"sentiment":"positive","sentiment_score":0.36902529426983427},{"text":"Is it easier, Christie, if they post it to you or email?","start":1476.0951,"end":1479.51,"sentiment":"neutral","sentiment_score":0.08571767434477806},{"text":"What's generally easier for you?","start":1479.51,"end":1481.27,"sentiment":"neutral","sentiment_score":0.06711817756295205}],"sentiment":"neutral","sentiment_score":0.2207224126340765,"num_words":33,"start":1471.935,"end":1481.27},{"sentences":[{"text":"I can do both if you like.","start":1481.27,"end":1482.89,"sentiment":"neutral","sentiment_score":0.04743649970207896},{"text":"Yeah.","start":1489.75,"end":1490.15,"sentiment":"neutral","sentiment_score":0.08423255383968353},{"text":"Absolutely.","start":1490.15,"end":1490.65,"sentiment":"neutral","sentiment_score":0.11906775832176208},{"text":"We'll do a post.","start":1491.03,"end":1491.99,"sentiment":"neutral","sentiment_score":0.0865372009575367},{"text":"Not a problem at all.","start":1491.99,"end":1493.37,"sentiment":"neutral","sentiment_score":0.14838835895061492}],"sentiment":"neutral","sentiment_score":0.09019146714773443,"num_words":18,"start":1481.27,"end":1493.37},{"sentences":[{"text":"And I can see here your super beneficiary, you have the same thing.","start":1493.75,"end":1497.605,"sentiment":"neutral","sentiment_score":0.08205876126885414},{"text":"So it looks like it is your mom, but, again, it she doesn't quite qualify.","start":1497.605,"end":1501.625,"sentiment":"neutral","sentiment_score":-0.03538572664062182},{"text":"One of the main things is as much as the super and it looks like the life insurance has accepted the beneficiary nomination.","start":1502.485,"end":1508.985,"sentiment":"neutral","sentiment_score":-0.022252646963233532},{"text":"What it comes down to is if you were to pass away, she would have to make a claim against that.","start":1509.83,"end":1514.49,"sentiment":"neutral","sentiment_score":-0.1294030412321999},{"text":"And at the time of claim, she has to be able to prove that she is interdependent on you, that she relies on you financially.","start":1514.55,"end":1521.29,"sentiment":"neutral","sentiment_score":-0.08300571635365486}],"sentiment":"neutral","sentiment_score":-0.04915917173181612,"num_words":97,"start":1493.75,"end":1521.29},{"sentences":[{"text":"If she can't prove that, then the super fund and the insurance company come back and go, sorry.","start":1521.75,"end":1526.535,"sentiment":"neutral","sentiment_score":-0.21751060171259773},{"text":"Claim denied.","start":1526.755,"end":1527.655,"sentiment":"neutral","sentiment_score":-0.13307731598615646},{"text":"The benefit is not payable, and then it goes through a probate process, which is not really what you want when something like that happens.","start":1527.7949,"end":1535.155,"sentiment":"neutral","sentiment_score":-0.21643145710229875},{"text":"Your your poor mom's going through enough at that point in time.","start":1535.155,"end":1538.375,"sentiment":"negative","sentiment_score":-0.3967086300253868},{"text":"Yeah.","start":1539.075,"end":1539.36,"sentiment":"neutral","sentiment_score":-0.00021806173026561737}],"sentiment":"neutral","sentiment_score":-0.247462991592956,"num_words":58,"start":1521.75,"end":1539.36},{"sentences":[{"text":"So I can do the same thing for your super.","start":1540.32,"end":1542.7999,"sentiment":"neutral","sentiment_score":0.09947785809636116},{"text":"Are you wanting your super to be directed to your mom as well in the event of passing?","start":1542.7999,"end":1546.74,"sentiment":"neutral","sentiment_score":0.06037264265533951},{"text":"Yeah.","start":1548.64,"end":1548.88,"sentiment":"neutral","sentiment_score":0.11125969141721724},{"text":"Absolutely.","start":1548.88,"end":1549.36,"sentiment":"neutral","sentiment_score":0.21740590035915375},{"text":"Are you comfortable with us pre filling the the super nomination out to your legal personal representative as well?","start":1549.36,"end":1555.155,"sentiment":"neutral","sentiment_score":0.14758144299450673}],"sentiment":"neutral","sentiment_score":0.1064122277026882,"num_words":49,"start":1540.32,"end":1555.155},{"sentences":[{"text":"Yeah.","start":1556.8351,"end":1557.0751,"sentiment":"neutral","sentiment_score":0.23755402863025665},{"text":"Lovely.","start":1557.0751,"end":1557.395,"sentiment":"positive","sentiment_score":0.503156304359436},{"text":"And are you happy with me putting a 100% to your legal personal representative so the whole amount goes to your to your will and then directed out that way?","start":1557.395,"end":1566.535,"sentiment":"neutral","sentiment_score":0.321185244123141},{"text":"Yeah.","start":1568.035,"end":1568.515,"sentiment":"neutral","sentiment_score":0.2648305296897888},{"text":"Beautiful.","start":1568.515,"end":1569.015,"sentiment":"positive","sentiment_score":0.5927796363830566}],"sentiment":"neutral","sentiment_score":0.33040817125755195,"num_words":34,"start":1556.8351,"end":1569.015},{"sentences":[{"text":"My team will prefill both those documents there.","start":1569.7151,"end":1572.02,"sentiment":"neutral","sentiment_score":0.32523157075047493},{"text":"When they do come through, you'll just need to get them signed and witnessed, but we'll have a little cover letter that lets you know.","start":1572.02,"end":1577.88,"sentiment":"neutral","sentiment_score":0.2348772728443146},{"text":"I think one of the most important things is making sure that your wishes are adhered to.","start":1577.94,"end":1581.62,"sentiment":"neutral","sentiment_score":0.2831094063380185},{"text":"And the last thing your poor mom needs is if if you were to pass away, we hope nothing happens.","start":1581.62,"end":1586.1799,"sentiment":"neutral","sentiment_score":-0.12710525393486022},{"text":"I want you to get to retirement and enjoy your life.","start":1586.1799,"end":1589.025,"sentiment":"neutral","sentiment_score":-0.028799281201579353}],"sentiment":"neutral","sentiment_score":0.1287376188017704,"num_words":81,"start":1569.7151,"end":1589.025},{"sentences":[{"text":"But if anything was to happen, the last thing she needs is going through that hard process and having everyone come back and go, sorry.","start":1589.025,"end":1595.825,"sentiment":"neutral","sentiment_score":-0.23915588840842247},{"text":"You don't qualify and making her life a lot harder.","start":1595.825,"end":1598.725,"sentiment":"negative","sentiment_score":-0.3610039412975311},{"text":"So, yeah, we we can absolutely help you with that.","start":1598.785,"end":1602.9,"sentiment":"neutral","sentiment_score":0.26627871990203855},{"text":"So you still wanna keep your life cover.","start":1602.9,"end":1604.66,"sentiment":"neutral","sentiment_score":0.16399122774600983},{"text":"Are you happy with the 420,000 that you're insured for keeping at the same at the moment?","start":1604.66,"end":1609.7201,"sentiment":"neutral","sentiment_score":0.07838123708086855}],"sentiment":"neutral","sentiment_score":-0.06116769388318062,"num_words":70,"start":1589.025,"end":1609.7201},{"sentences":[{"text":"Well, it really just depends on you.","start":1613.62,"end":1616.455,"sentiment":"neutral","sentiment_score":-0.05997622412230287},{"text":"I mean, it's more just about what happens to your mom.","start":1616.455,"end":1619.015,"sentiment":"neutral","sentiment_score":-0.05666085332632065},{"text":"Can I ask how old is your mom?","start":1619.015,"end":1620.715,"sentiment":"neutral","sentiment_score":-0.032289314549416304},{"text":"Wow.","start":1627.655,"end":1628.155,"sentiment":"neutral","sentiment_score":0.00463761854916811},{"text":"Wow.","start":1631.68,"end":1632.16,"sentiment":"neutral","sentiment_score":0.003010057844221592}],"sentiment":"neutral","sentiment_score":-0.046206064123128145,"num_words":28,"start":1613.62,"end":1632.16},{"sentences":[{"text":"Is she in a in a assisted living facility or living at home?","start":1632.16,"end":1636.5801,"sentiment":"neutral","sentiment_score":0.0012384818938489144},{"text":"Wow.","start":1639.04,"end":1639.36,"sentiment":"neutral","sentiment_score":0.2212454080581665},{"text":"She's doing well.","start":1639.36,"end":1640.5,"sentiment":"positive","sentiment_score":0.4022311369578044},{"text":"She's doing very well.","start":1640.64,"end":1642.255,"sentiment":"positive","sentiment_score":0.502484142780304},{"text":"That's fantastic.","start":1642.255,"end":1642.995,"sentiment":"positive","sentiment_score":0.7177380919456482}],"sentiment":"neutral","sentiment_score":0.21258486254626643,"num_words":23,"start":1632.16,"end":1642.995},{"sentences":[{"text":"So, realistically, do you think if you if you were to pass away having your life insurance and your super, you've got 420,000 of life cover and currently a 153,000 of super there.","start":1644.015,"end":1655.475,"sentiment":"neutral","sentiment_score":0.0002443738507502007},{"text":"So that's essentially giving her, what, say, $5.07 573,160 of money.","start":1655.695,"end":1665.11,"sentiment":"neutral","sentiment_score":0.20823540470816873},{"text":"Do you think think that would be comfortable to help her, you know, stay at home longer, pay for, you know, additional services, or do you think that that might be too much?","start":1665.11,"end":1675.635,"sentiment":"neutral","sentiment_score":0.07751508316758907},{"text":"Or what's your thought?","start":1675.635,"end":1676.9349,"sentiment":"neutral","sentiment_score":-0.0389528488740325},{"text":"Yeah.","start":1685.715,"end":1686.215,"sentiment":"neutral","sentiment_score":0.13109314441680908}],"sentiment":"neutral","sentiment_score":0.05892601563799672,"num_words":82,"start":1644.015,"end":1686.215},{"sentences":[{"text":"Yeah.","start":1687.395,"end":1687.8,"sentiment":"neutral","sentiment_score":0.2543782591819763},{"text":"Absolutely.","start":1688.2001,"end":1688.7001,"sentiment":"positive","sentiment_score":0.41408511996269226},{"text":"She could.","start":1688.8401,"end":1689.4801,"sentiment":"positive","sentiment_score":0.4561963379383087},{"text":"Yeah.","start":1689.4801,"end":1689.7201,"sentiment":"neutral","sentiment_score":0.28452742099761963},{"text":"She I mean, if she's in her eighties and doesn't spend all of that and doesn't do much, she can also then leave that in her will to, you know, her grandkids or whoever she wants to have that left to as well after So that's absolutely fine.","start":1689.7201,"end":1702.775,"sentiment":"neutral","sentiment_score":0.21011090472651026}],"sentiment":"neutral","sentiment_score":0.22548503590361127,"num_words":53,"start":1687.395,"end":1702.775},{"sentences":[{"text":"Yeah.","start":1702.775,"end":1703.275,"sentiment":"neutral","sentiment_score":0.09904766082763672},{"text":"Yeah.","start":1708.775,"end":1709.275,"sentiment":"neutral","sentiment_score":-0.00008798763155937195},{"text":"Absolutely.","start":1710.215,"end":1710.715,"sentiment":"neutral","sentiment_score":0.04803413897752762},{"text":"Yep.","start":1713.175,"end":1713.675,"sentiment":"neutral","sentiment_score":0.07594187557697296},{"text":"No.","start":1717.93,"end":1718.25,"sentiment":"neutral","sentiment_score":0.02500179782509804}],"sentiment":"neutral","sentiment_score":0.049587497115135194,"num_words":5,"start":1702.775,"end":1718.25},{"sentences":[{"text":"That's absolutely fine.","start":1718.25,"end":1719.9501,"sentiment":"neutral","sentiment_score":0.15923074881235758},{"text":"You've also got some total permanent disability there.","start":1720.09,"end":1722.81,"sentiment":"neutral","sentiment_score":-0.047200826462358236},{"text":"So total permanent disability can pay out either a lump sum in sorry.","start":1722.81,"end":1727.13,"sentiment":"neutral","sentiment_score":-0.005749679672030302},{"text":"A lump sum benefit or an income stream.","start":1727.13,"end":1728.945,"sentiment":"neutral","sentiment_score":0.023070254595950246},{"text":"Stream.","start":1728.945,"end":1729.1849,"sentiment":"neutral","sentiment_score":-0.02422461286187172}],"sentiment":"neutral","sentiment_score":0.005626582512349793,"num_words":33,"start":1718.25,"end":1729.1849},{"sentences":[{"text":"If you're fully disabled and unable to go to accident, so unable to go back to work ever again.","start":1729.1849,"end":1734.465,"sentiment":"neutral","sentiment_score":-0.24245178973988482},{"text":"So think with TBD that you maybe broke your back or had a car accident and you were just never able to work again.","start":1734.465,"end":1741.0449,"sentiment":"neutral","sentiment_score":-0.21669554834564528},{"text":"This can pay at a lump sum benefit or an income stream.","start":1741.2649,"end":1744.5499,"sentiment":"neutral","sentiment_score":-0.011079829496641954},{"text":"Now TBD, if you claim and you're 60, is actually taxed.","start":1745.1699,"end":1748.9299,"sentiment":"neutral","sentiment_score":-0.1690400249578736},{"text":"It's unfortunately taxed, and it can be taxed up to 22%.","start":1748.9299,"end":1752.7899,"sentiment":"neutral","sentiment_score":-0.3239549859003587}],"sentiment":"neutral","sentiment_score":-0.19952182128251372,"num_words":77,"start":1729.1849,"end":1752.7899},{"sentences":[{"text":"If you work a claim on TBD, we as advisers would help by providing advice to help limit that tax consequence.","start":1753.4099,"end":1760.535,"sentiment":"neutral","sentiment_score":-0.11077665147327241},{"text":"But because realistically, if you were TBD, looking at your circumstances, you could use the, you know, the funds that you have in the offset accounts, pay off all those properties, close the loans completely, you could then draw income from each of those properties.","start":1761.2351,"end":1776.62,"sentiment":"neutral","sentiment_score":0.11411251549919446},{"text":"I know your mom's living in the Cleveland property at the moment, but the other properties do obviously provide income there.","start":1776.62,"end":1784.0599,"sentiment":"neutral","sentiment_score":0.13323181991775832},{"text":"Do you think the additional 420,000 in CBD is sufficient?","start":1784.0599,"end":1788.355,"sentiment":"neutral","sentiment_score":0.15169937163591385},{"text":"Do you are you happy with that level of cover?","start":1788.495,"end":1790.5751,"sentiment":"neutral","sentiment_score":0.12028283029794692}],"sentiment":"neutral","sentiment_score":0.07781723134707068,"num_words":107,"start":1753.4099,"end":1790.5751},{"sentences":[{"text":"Do you think you might need more or less?","start":1790.5751,"end":1793.235,"sentiment":"neutral","sentiment_score":-0.09437174515591727},{"text":"It's hard.","start":1796.655,"end":1810.03,"sentiment":"neutral","sentiment_score":-0.20814531296491623},{"text":"It's it's paid for out of your super.","start":1810.57,"end":1813.045,"sentiment":"neutral","sentiment_score":-0.1924955826252699},{"text":"Yeah.","start":1813.045,"end":1813.365,"sentiment":"neutral","sentiment_score":0.009831054136157036},{"text":"Definitely.","start":1813.365,"end":1813.8451,"sentiment":"neutral","sentiment_score":0.05123595520853996}],"sentiment":"neutral","sentiment_score":-0.13069209447574048,"num_words":21,"start":1790.5751,"end":1813.8451},{"sentences":[{"text":"And, look, you don't pay a lot for it.","start":1813.8451,"end":1815.865,"sentiment":"neutral","sentiment_score":-0.05693976042999162},{"text":"Yeah.","start":1815.925,"end":1816.425,"sentiment":"neutral","sentiment_score":0.011085368692874908},{"text":"But if we had a bit of a look, like, if I because your income at the moment, I've got you earning about $66,003.94.","start":1816.5651,"end":1823.2051,"sentiment":"neutral","sentiment_score":0.0017970807966776192},{"text":"Is that still accurate, or has your income changed a little bit?","start":1823.2051,"end":1829.0499,"sentiment":"neutral","sentiment_score":-0.02385701929839949},{"text":"Okay.","start":1829.0499,"end":1829.5499,"sentiment":"neutral","sentiment_score":0.005264987237751484}],"sentiment":"neutral","sentiment_score":-0.015728974051060194,"num_words":47,"start":1813.8451,"end":1829.5499},{"sentences":[{"text":"Yeah.","start":1832.57,"end":1833.07,"sentiment":"neutral","sentiment_score":0.007554805837571621},{"text":"Yeah.","start":1833.69,"end":1834.19,"sentiment":"neutral","sentiment_score":0.011066739447414877},{"text":"Yeah.","start":1845.065,"end":1845.3049,"sentiment":"neutral","sentiment_score":0.018254835158586506},{"text":"Yeah.","start":1845.3049,"end":1845.625,"sentiment":"neutral","sentiment_score":0.021113604307174683},{"text":"You mentioned 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growing.","start":1883.51,"end":1884.15,"sentiment":"neutral","sentiment_score":0.3137858062982559}],"sentiment":"neutral","sentiment_score":0.18357461566726366,"num_words":6,"start":1871.255,"end":1884.15},{"sentences":[{"text":"It's doing really well.","start":1884.15,"end":1885.37,"sentiment":"neutral","sentiment_score":0.27072741091251373},{"text":"Yes.","start":1900.595,"end":1901.095,"sentiment":"neutral","sentiment_score":0.05291663110256195},{"text":"Okay.","start":1901.1549,"end":1901.6549,"sentiment":"neutral","sentiment_score":0.01105770654976368},{"text":"No.","start":1907.25,"end":1907.75,"sentiment":"neutral","sentiment_score":-0.0963834822177887},{"text":"Yeah.","start":1908.69,"end":1909.19,"sentiment":"neutral","sentiment_score":0.20008757710456848}],"sentiment":"neutral","sentiment_score":0.15632350952364504,"num_words":8,"start":1884.15,"end":1909.19},{"sentences":[{"text":"Positively 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as it means more tax for yourself.","start":1972.125,"end":1979.3251,"sentiment":"positive","sentiment_score":0.4073044928135695},{"text":"It's good that they're getting income.","start":1979.3251,"end":1981.105,"sentiment":"positive","sentiment_score":0.6041746636231741},{"text":"So we're $8.90 and $6.30.","start":1981.245,"end":1984.385,"sentiment":"neutral","sentiment_score":0.22792951464653016},{"text":"So it's about $1,500 per week from those.","start":1985.0851,"end":1988.0701,"sentiment":"neutral","sentiment_score":0.1528401179239154},{"text":"So if you sort of had to think about being TBD, so permanently disabled and never able to go back to work and, you know, be self employed doing your job again, your investment properties are currently, you know, say times that by a year.","start":1988.0701,"end":2006.7749,"sentiment":"neutral","sentiment_score":-0.022645963728427886}],"sentiment":"neutral","sentiment_score":0.17544581798406747,"num_words":91,"start":1972.125,"end":2006.7749},{"sentences":[{"text":"It's about 79,000 per year.","start":2006.7749,"end":2009.595,"sentiment":"neutral","sentiment_score":-0.0014212022535502907},{"text":"If you then got your, say, how much do you do you think you would need to keep that $120,000 income if you were not working, if you weren't able to do your employment?","start":2011.095,"end":2023.05,"sentiment":"neutral","sentiment_score":-0.013382591197595876},{"text":"Do your living expenses kind of equate to that, do you think, or do you think you'd be able to live on a like, roughly, give or take, about $79,000 per year there from that's rental income alone.","start":2023.05,"end":2050.71,"sentiment":"neutral","sentiment_score":0.01975022771052624},{"text":"If you were unable to go back to work, you can you do have the option with the TBD.","start":2051.09,"end":2056.23,"sentiment":"neutral","sentiment_score":0.020562202632917387},{"text":"We also claim TBD against your super so you can have that released.","start":2057.3152,"end":2060.675,"sentiment":"neutral","sentiment_score":0.10381792600338276}],"sentiment":"neutral","sentiment_score":0.018612013110856807,"num_words":109,"start":2006.7749,"end":2060.675},{"sentences":[{"text":"That's another, well, $573,001.63 you could get released for additional income or buffers, you know, for yourself to support yourself.","start":2060.675,"end":2070.21,"sentiment":"neutral","sentiment_score":0.16606337316334246},{"text":"And then you've also got that, you know, 79,000 of rental income coming for those properties as well.","start":2071.3901,"end":2076.77,"sentiment":"neutral","sentiment_score":0.16658840162886512},{"text":"Do you feel like that would be sufficient?","start":2076.99,"end":2078.85,"sentiment":"neutral","sentiment_score":0.11095354380086064},{"text":"Do you feel like TPD is important to keep for the time being, or would you rather look at canceling your TPD knowing that your rental income would be sufficient if you were not able to work to work anymore?","start":2078.99,"end":2091.465,"sentiment":"neutral","sentiment_score":-0.05948046362027526},{"text":"What do you think?","start":2091.465,"end":2092.2651,"sentiment":"neutral","sentiment_score":-0.01263949484564364}],"sentiment":"neutral","sentiment_score":0.053085672431108025,"num_words":90,"start":2060.675,"end":2092.2651},{"sentences":[{"text":"How do you feel?","start":2092.2651,"end":2093.245,"sentiment":"neutral","sentiment_score":0.05726185254752636},{"text":"Just keep it?","start":2093.465,"end":2094.3452,"sentiment":"neutral","sentiment_score":0.042327060674627624},{"text":"Yep.","start":2094.3452,"end":2094.8452,"sentiment":"neutral","sentiment_score":0.11144568771123886},{"text":"Yep.","start":2095.385,"end":2095.865,"sentiment":"neutral","sentiment_score":0.16562972962856293},{"text":"Beautiful.","start":2095.865,"end":2096.365,"sentiment":"positive","sentiment_score":0.7132132053375244}],"sentiment":"neutral","sentiment_score":0.13463172148913144,"num_words":10,"start":2092.2651,"end":2096.365},{"sentences":[{"text":"It's, yeah, it's a bit of a tough one, but it's more just about looking at what your goals are, trying to work out how what your circumstances are, whether the insurance you're paying for is appropriate, whether you wanna keep it, and what the outcome could look like if something was to happen.","start":2096.745,"end":2112.96,"sentiment":"neutral","sentiment_score":0.06956808146572223},{"text":"What does the payout look like?","start":2112.96,"end":2114.415,"sentiment":"neutral","sentiment_score":0.05414248754580816},{"text":"How could this support you, and would it be a good enough buffer for you as well?","start":2114.575,"end":2119.315,"sentiment":"neutral","sentiment_score":0.2329096496105194},{"text":"Or if if you didn't have it, what do you, you know, what do you receive income wise, and does that give you enough income as well?","start":2120.0151,"end":2127.27,"sentiment":"neutral","sentiment_score":0.014558692186794899},{"text":"Because living expenses increase.","start":2127.35,"end":2128.97,"sentiment":"neutral","sentiment_score":-0.18340887129306793}],"sentiment":"neutral","sentiment_score":0.07130041270068398,"num_words":108,"start":2096.745,"end":2128.97},{"sentences":[{"text":"Life gets expensive.","start":2129.11,"end":2130.09,"sentiment":"neutral","sentiment_score":-0.261477197209994},{"text":"And there is also the chance I mean, your rental properties are doing really well, and, you know, you might have them occupied really well all the time, but there might be a chance in the future where they're unoccupied for a certain point of time.","start":2131.19,"end":2143.395,"sentiment":"neutral","sentiment_score":0.04144782014191151},{"text":"So, I mean, having some CBD could provide you with a bit of a buffer if they were unoccupied and there was no rent coming from one or two of those for a short period of time.","start":2143.395,"end":2151.3152,"sentiment":"neutral","sentiment_score":0.11371258213310628},{"text":"So it's about just assessing risks and goals and making sure that the cover you have is appropriate to you.","start":2151.3152,"end":2157.9001,"sentiment":"neutral","sentiment_score":0.16751930639147758},{"text":"In saying that, by the age of 60, if anything happens and you're fully retired, realistically, we shouldn't need any more insurances.","start":2158.12,"end":2165.74,"sentiment":"neutral","sentiment_score":-0.02003819275308739}],"sentiment":"neutral","sentiment_score":0.06436780907097273,"num_words":128,"start":2129.11,"end":2165.74},{"sentences":[{"text":"We should be able to, if we're not working, retire, take our super, not need insurances, and save that money on premiums as well.","start":2165.8801,"end":2174.275,"sentiment":"neutral","sentiment_score":0.24540691077709198},{"text":"Yeah.","start":2174.275,"end":2174.775,"sentiment":"neutral","sentiment_score":0.17979422211647034},{"text":"Okay.","start":2174.835,"end":2175.335,"sentiment":"neutral","sentiment_score":0.24719837307929993},{"text":"Does that make sense?","start":2175.795,"end":2176.675,"sentiment":"neutral","sentiment_score":0.22801166772842407},{"text":"Do you have any questions?","start":2176.675,"end":2177.635,"sentiment":"neutral","sentiment_score":0.08828572630882263}],"sentiment":"neutral","sentiment_score":0.21914953589439393,"num_words":35,"start":2165.8801,"end":2177.635},{"sentences":[{"text":"I know I've gone through quite a bit with the insurances and talked a lot about them, but do you have any questions?","start":2177.635,"end":2182.275,"sentiment":"neutral","sentiment_score":0.012888348701855411},{"text":"Did you want me to break anything more down for you?","start":2182.275,"end":2184.57,"sentiment":"neutral","sentiment_score":0.032839453355832535},{"text":"Yeah.","start":2189.37,"end":2189.87,"sentiment":"neutral","sentiment_score":0.13662463426589966},{"text":"Yeah.","start":2190.09,"end":2190.49,"sentiment":"neutral","sentiment_score":0.1723712682723999},{"text":"That's okay.","start":2190.49,"end":2191.31,"sentiment":"neutral","sentiment_score":0.32810795307159424}],"sentiment":"neutral","sentiment_score":0.042707310940482114,"num_words":38,"start":2177.635,"end":2191.31},{"sentences":[{"text":"You don't that's alright.","start":2192.33,"end":2193.85,"sentiment":"neutral","sentiment_score":0.07970657106488944},{"text":"You don't have any income protection at all, Christie, but, obviously, with your self employed business, it's doing really well.","start":2193.85,"end":2200.095,"sentiment":"neutral","sentiment_score":-0.04659097269177437},{"text":"You're a company now as well, and you do have your rental income that is sufficient income wise.","start":2200.095,"end":2204.835,"sentiment":"neutral","sentiment_score":0.12399343401193619},{"text":"You don't wanna apply or look for any new insurances.","start":2205.215,"end":2207.715,"sentiment":"neutral","sentiment_score":-0.3284607455134392},{"text":"You know, realistically, you don't technically need income protection at the moment because if you were not working in your business, your rental income still does provide.","start":2207.935,"end":2216.3298,"sentiment":"neutral","sentiment_score":-0.11650305075777902}],"sentiment":"neutral","sentiment_score":-0.06090254661968992,"num_words":79,"start":2192.33,"end":2216.3298},{"sentences":[{"text":"And you are a company now as well, so you might still be able to draw income out if there's extra money in the business as well.","start":2216.95,"end":2222.89,"sentiment":"neutral","sentiment_score":0.11432919789243627},{"text":"Are you comfortable with not having any income protection?","start":2223.3499,"end":2226.3298,"sentiment":"neutral","sentiment_score":-0.16049042758014467},{"text":"Did you wanna look at anything additional insurance wise?","start":2226.5452,"end":2241.125,"sentiment":"neutral","sentiment_score":-0.08636854154368241},{"text":"Yep.","start":2241.5051,"end":2241.72,"sentiment":"neutral","sentiment_score":0.003937317989766598},{"text":"No.","start":2251.64,"end":2252.14,"sentiment":"negative","sentiment_score":-0.3341788053512573}],"sentiment":"neutral","sentiment_score":0.011381194332337126,"num_words":47,"start":2216.95,"end":2252.14},{"sentences":[{"text":"No.","start":2252.2,"end":2252.52,"sentiment":"neutral","sentiment_score":-0.27240756154060364},{"text":"The biggest thing with income protection is with essentially, in order to claim, they're gonna then provide, mean, you can obtain it and apply for it absolutely fine.","start":2252.52,"end":2260.385,"sentiment":"neutral","sentiment_score":-0.04707723696316991},{"text":"They'll you can apply for income protection for up to 70% of your monthly income, so 70% of your, say, 120,000 there.","start":2261.165,"end":2270.22,"sentiment":"neutral","sentiment_score":0.05956940268251029},{"text":"But, essentially, if you were to then claim because you have your rental income coming in, they'll ask you to provide payslips, but they'll then also ask you to provide tax information showing the rental properties, the income you have done coming in.","start":2270.22,"end":2284.445,"sentiment":"neutral","sentiment_score":0.009823918423810325},{"text":"And they essentially take the amount you're covered for, what you're eligible to claim, and they look at what other income you come have coming in to offset that.","start":2284.445,"end":2293.105,"sentiment":"neutral","sentiment_score":0.015132178520334178}],"sentiment":"neutral","sentiment_score":0.004725352291214636,"num_words":123,"start":2252.2,"end":2293.105},{"sentences":[{"text":"So if your rental properties are paying enough income that, you know, offsets majority of your protection policy, then they're realistically not gonna claim.","start":2293.245,"end":2302.52,"sentiment":"neutral","sentiment_score":-0.08716556398818891},{"text":"So essentially yeah.","start":2303.46,"end":2304.98,"sentiment":"neutral","sentiment_score":-0.055022930105527244},{"text":"So it does make it very difficult because any income protection claim that you make, they will offset by any other income coming in.","start":2304.98,"end":2314.2048,"sentiment":"neutral","sentiment_score":-0.1408780679727594},{"text":"They look at whether you've got income from self employed that you can be receiving when you're off work, whether you have rental property income that's coming in, like the rent you have coming in.","start":2314.2048,"end":2323.84,"sentiment":"neutral","sentiment_score":0.00907271728584809},{"text":"And they do offset or, you know, reduce the amount you're able to receive by the payments or able to get on a regular basis as income.","start":2324.22,"end":2332.1401,"sentiment":"neutral","sentiment_score":0.05722689062908844}],"sentiment":"neutral","sentiment_score":-0.0334110159768962,"num_words":113,"start":2293.245,"end":2332.1401},{"sentences":[{"text":"So there is a chance or a risk that you may not be able to claim the full amount that you can be paying for essentially, which probably makes the premiums not worth it.","start":2332.1401,"end":2341.1848,"sentiment":"neutral","sentiment_score":-0.0889138646204682},{"text":"Yeah.","start":2342.845,"end":2343.345,"sentiment":"neutral","sentiment_score":-0.06529418379068375},{"text":"Yeah.","start":2346.9248,"end":2347.4248,"sentiment":"neutral","sentiment_score":-0.06681741774082184},{"text":"That's exactly right.","start":2348.845,"end":2349.9,"sentiment":"neutral","sentiment_score":0.1427817145983378},{"text":"And that's probably one of the biggest things is you do pay a lot of money for insurances.","start":2349.9,"end":2353.52,"sentiment":"neutral","sentiment_score":-0.01404844286541144}],"sentiment":"neutral","sentiment_score":-0.05227561098964591,"num_words":57,"start":2332.1401,"end":2353.52},{"sentences":[{"text":"So you wanna be able to claim on them.","start":2353.66,"end":2355.76,"sentiment":"neutral","sentiment_score":0.010075233048862882},{"text":"But, I mean, look, your position isn't bad because as you said, your your rental income positively gears with your properties there.","start":2356.0598,"end":2363.0999,"sentiment":"neutral","sentiment_score":0.270926256748763},{"text":"So if you weren't able to go to work, and we certainly hope nothing happens.","start":2363.0999,"end":2366.825,"sentiment":"neutral","sentiment_score":0.10127662320931753},{"text":"We don't want you to be off work and claiming, but it does obviously show that your rental properties would still provide some income.","start":2366.825,"end":2374.105,"sentiment":"neutral","sentiment_score":0.19105225118498007},{"text":"So you do have a a bit of backup there and can still survive and pay bills and things like that.","start":2374.105,"end":2379.57,"sentiment":"neutral","sentiment_score":0.21234497747250966}],"sentiment":"neutral","sentiment_score":0.18257914999356636,"num_words":91,"start":2353.66,"end":2379.57},{"sentences":[{"text":"That.","start":2380.53,"end":2381.03,"sentiment":"neutral","sentiment_score":0.1734916865825653},{"text":"Yeah.","start":2382.21,"end":2382.71,"sentiment":"neutral","sentiment_score":0.3082197904586792},{"text":"Absolutely.","start":2384.85,"end":2385.35,"sentiment":"neutral","sentiment_score":-0.016109777614474297},{"text":"Yeah.","start":2387.4102,"end":2387.9102,"sentiment":"neutral","sentiment_score":0.06725719571113586},{"text":"Yeah.","start":2388.61,"end":2388.9302,"sentiment":"neutral","sentiment_score":0.10442101955413818}],"sentiment":"neutral","sentiment_score":0.12745598293840885,"num_words":5,"start":2380.53,"end":2388.9302},{"sentences":[{"text":"Absolutely.","start":2388.9302,"end":2389.4302,"sentiment":"neutral","sentiment_score":0.169608473777771},{"text":"And can I just ask I can see because you do have the three rental properties here here at the moment?","start":2390.37,"end":2396.1816,"sentiment":"neutral","sentiment_score":0.025851692206093242},{"text":"The property that you're living in, is that owned by yourself, your partner, or is that a rental property you're living in currently, your main primary residence?","start":2396.1816,"end":2402.335,"sentiment":"neutral","sentiment_score":0.005591228276629139},{"text":"Right.","start":2410.33,"end":2410.73,"sentiment":"neutral","sentiment_score":0.04851028323173523},{"text":"Yep.","start":2410.73,"end":2411.2102,"sentiment":"neutral","sentiment_score":0.06917537748813629}],"sentiment":"neutral","sentiment_score":0.01923809479008995,"num_words":51,"start":2388.9302,"end":2411.2102},{"sentences":[{"text":"Okay.","start":2411.2102,"end":2411.53,"sentiment":"neutral","sentiment_score":0.2008638381958008},{"text":"Perfect.","start":2411.53,"end":2412.03,"sentiment":"positive","sentiment_score":0.42183107137680054},{"text":"Beautiful.","start":2413.77,"end":2414.27,"sentiment":"positive","sentiment_score":0.6233763694763184},{"text":"That's okay.","start":2415.4502,"end":2416.27,"sentiment":"positive","sentiment_score":0.3787233531475067},{"text":"Absolutely.","start":2416.4102,"end":2416.9102,"sentiment":"positive","sentiment_score":0.527938961982727}],"sentiment":"positive","sentiment_score":0.42190949122111004,"num_words":6,"start":2411.2102,"end":2416.9102},{"sentences":[{"text":"I'm sure you give plenty back to the relationship.","start":2417.6902,"end":2423.635,"sentiment":"positive","sentiment_score":0.43884139590793186},{"text":"No.","start":2423.695,"end":2424.095,"sentiment":"neutral","sentiment_score":0.009257033467292786},{"text":"All good.","start":2424.095,"end":2424.735,"sentiment":"neutral","sentiment_score":0.1639942079782486},{"text":"And you do have a trauma policy here that you are paying for out of pocket.","start":2424.8152,"end":2428.5151,"sentiment":"neutral","sentiment_score":0.035545762395486236},{"text":"It does give you a lump sum tax free benefit in the event of a major traumatic diagnosis, say things like cancers, heart attacks, strokes, things like that.","start":2428.895,"end":2437.8398,"sentiment":"neutral","sentiment_score":0.03489532535656638}],"sentiment":"neutral","sentiment_score":0.10415391644476456,"num_words":56,"start":2417.6902,"end":2437.8398},{"sentences":[{"text":"The the current benefit you have is 66,336 and 90¢.","start":2438.14,"end":2443.5,"sentiment":"neutral","sentiment_score":0.024701060106356938},{"text":"Are you happy with the trauma policy you have?","start":2443.5,"end":2445.66,"sentiment":"neutral","sentiment_score":0.004177687896622552},{"text":"Did you wanna look at altering that?","start":2445.66,"end":2447.0999,"sentiment":"neutral","sentiment_score":-0.0704962680382388},{"text":"Are you happy with the way it is?","start":2447.0999,"end":2453.875,"sentiment":"neutral","sentiment_score":-0.17088060826063156},{"text":"Well, it really just depends on what your goals are, what what happens.","start":2454.495,"end":2457.6152,"sentiment":"neutral","sentiment_score":-0.08795032936793107}],"sentiment":"neutral","sentiment_score":-0.059651397654543754,"num_words":47,"start":2438.14,"end":2457.6152},{"sentences":[{"text":"So, realistically, with the trauma policy, if you were to say be diagnosed with, say, a cancer or you had a heart attack or a stroke, if you claim claimed on the trauma policy, it would, at the moment, pay out a lump sum benefit of $66,336.90.","start":2457.6152,"end":2476.33,"sentiment":"neutral","sentiment_score":-0.04388267435926072},{"text":"That is paid directly to you.","start":2477.19,"end":2478.915,"sentiment":"neutral","sentiment_score":0.06934563939770062},{"text":"It is tax free.","start":2478.915,"end":2479.7952,"sentiment":"neutral","sentiment_score":0.1430245339870453},{"text":"It is a very quick payment to receive.","start":2479.7952,"end":2482.055,"sentiment":"neutral","sentiment_score":0.11617463221773505},{"text":"You could be using that to, you know, continue, you know, paying bills, looking after yourself, include that with the rental income that you are receiving to kind of, you know, support yourself a little bit longer if you're unable to get it back to work or if you just need extra support while you're not working.","start":2482.7551,"end":2501.3599,"sentiment":"neutral","sentiment_score":-0.07004991565880023}],"sentiment":"neutral","sentiment_score":-0.033916080798037714,"num_words":122,"start":2457.6152,"end":2501.3599},{"sentences":[{"text":"We could look at increasing the trauma policy if you wanted to because realistically, income protection may not work for your circumstances, you can also claim trauma.","start":2503.5798,"end":2513.4548,"sentiment":"neutral","sentiment_score":-0.1978370147170844},{"text":"This it's made just a major diagnosis.","start":2513.595,"end":2515.6948,"sentiment":"neutral","sentiment_score":-0.05591835134795734},{"text":"So if you broke a leg or, you know, hurt your back or something, you can't claim on trauma for those purposes.","start":2515.835,"end":2521.33,"sentiment":"neutral","sentiment_score":-0.1662984752858227},{"text":"But a major diagnosis, it can be used instead of income protection.","start":2521.33,"end":2525.71,"sentiment":"neutral","sentiment_score":0.03810030252983173},{"text":"There is the risk, though, that if you, you know because with income protection, you could claim if you broke a leg or broke a back or something like that.","start":2526.1702,"end":2533.85,"sentiment":"negative","sentiment_score":-0.43481904168923696}],"sentiment":"neutral","sentiment_score":-0.22427512176943068,"num_words":98,"start":2503.5798,"end":2533.85},{"sentences":[{"text":"So there are risks that you may not be able to claim on the policy, but it just comes down to the level of cover you have and what you're paying.","start":2533.85,"end":2540.4248,"sentiment":"negative","sentiment_score":-0.40666086250735867},{"text":"You're paying $50 a month for the trauma policy out of pocket.","start":2540.4248,"end":2543.7249,"sentiment":"neutral","sentiment_score":-0.14736986408631006},{"text":"Do you feel like the level of cover you have is enough for what you might want to give you a buffer before going back to work or to help support yourself to give you a bit of extra funds with your rental income if you, you know, were diagnosed with cancer or had a heart attack or a stroke or Parkinson's, say?","start":2544.825,"end":2562.0898,"sentiment":"neutral","sentiment_score":0.10077339741918775},{"text":"How do you feel about the level of cover?","start":2562.39,"end":2564.25,"sentiment":"neutral","sentiment_score":-0.1241705682542589},{"text":"You know, does it mean much to you?","start":2564.3098,"end":2566.0698,"sentiment":"neutral","sentiment_score":-0.11679403111338615}],"sentiment":"neutral","sentiment_score":-0.08193567831341814,"num_words":123,"start":2533.85,"end":2566.0698},{"sentences":[{"text":"Do you wanna review it?","start":2566.0698,"end":2568.125,"sentiment":"neutral","sentiment_score":-0.05258441641926766},{"text":"Talk more about what what you'd wanna pay for a cover.","start":2568.125,"end":2570.925,"sentiment":"neutral","sentiment_score":-0.14962620559063824},{"text":"It's a difficult one.","start":2570.925,"end":2571.725,"sentiment":"negative","sentiment_score":-0.4572410210967064},{"text":"I know.","start":2571.725,"end":2572.045,"sentiment":"neutral","sentiment_score":-0.2580072581768036},{"text":"I'm sorry.","start":2572.045,"end":2572.625,"sentiment":"neutral","sentiment_score":-0.23938138782978058}],"sentiment":"neutral","sentiment_score":-0.19718965499972305,"num_words":24,"start":2566.0698,"end":2572.625},{"sentences":[{"text":"Yeah.","start":2577.725,"end":2578.045,"sentiment":"neutral","sentiment_score":-0.04453609138727188},{"text":"$52.73 per month for it out of your back pocket.","start":2578.045,"end":2584.7898,"sentiment":"neutral","sentiment_score":-0.11064804885536432},{"text":"Yeah.","start":2584.7898,"end":2585.2698,"sentiment":"neutral","sentiment_score":-0.006790106184780598},{"text":"$52.73 per month.","start":2585.2698,"end":2588.49,"sentiment":"neutral","sentiment_score":-0.011777850488821665},{"text":"Yeah.","start":2588.5498,"end":2589.0498,"sentiment":"neutral","sentiment_score":0.01592000015079975}],"sentiment":"neutral","sentiment_score":-0.07357626484008506,"num_words":16,"start":2577.725,"end":2589.0498},{"sentences":[{"text":"So it's about $632 per year.","start":2590.0698,"end":2595.705,"sentiment":"neutral","sentiment_score":0.009167139728864035},{"text":"Yeah.","start":2597.205,"end":2597.705,"sentiment":"neutral","sentiment_score":0.03382381796836853},{"text":"Yeah.","start":2600.405,"end":2600.905,"sentiment":"neutral","sentiment_score":0.03298203647136688},{"text":"Did you just wanna look at maybe a cheaper policy for the same level of cover, or did you wanna what sort of recommendation were you after?","start":2600.965,"end":2609.05,"sentiment":"neutral","sentiment_score":0.015804345960970276},{"text":"Do you see yeah.","start":2611.35,"end":2614.01,"sentiment":"neutral","sentiment_score":0.049004439264535904}],"sentiment":"neutral","sentiment_score":0.019090866431211814,"num_words":39,"start":2590.0698,"end":2614.01},{"sentences":[{"text":"Yeah.","start":2614.07,"end":2614.3901,"sentiment":"neutral","sentiment_score":0.03480517491698265},{"text":"If, yeah, if you were to say if you were to say be diagnosed with a major traumatic illness or injury, like you had cancer or a heart attack or something, what what do you think you might need to receive from trauma?","start":2614.3901,"end":2632.285,"sentiment":"neutral","sentiment_score":-0.19033512681029563},{"text":"Do you think you wanna maybe cover one year's worth of gross income from your business, or do you think you wanna maybe cover yourself for two or three or five years worth of income from your business?","start":2632.285,"end":2643.4402,"sentiment":"neutral","sentiment_score":0.047850208455010465},{"text":"How much do you feel like you might need in the event of something happening?","start":2643.74,"end":2647.7148,"sentiment":"neutral","sentiment_score":0.02864075650771459},{"text":"One full year, so about 120,000.","start":2651.9348,"end":2654.6748,"sentiment":"neutral","sentiment_score":0.09652822837233543}],"sentiment":"neutral","sentiment_score":-0.05167491882316117,"num_words":103,"start":2614.07,"end":2654.6748},{"sentences":[{"text":"Yeah.","start":2654.7349,"end":2655.2349,"sentiment":"neutral","sentiment_score":0.1031370759010315},{"text":"Yep.","start":2656.575,"end":2657.075,"sentiment":"neutral","sentiment_score":0.2470821589231491},{"text":"Perfect.","start":2657.615,"end":2658.115,"sentiment":"positive","sentiment_score":0.4965352416038513},{"text":"Obviously, when we increase trauma, the cost of that is increasing as well.","start":2659.375,"end":2663.71,"sentiment":"neutral","sentiment_score":-0.22814989749055642},{"text":"I can't so I'll make a recommendation in the in the advice document as to whether we increase the current policy or increase with another provider.","start":2664.41,"end":2673.95,"sentiment":"neutral","sentiment_score":-0.2382938380424793}],"sentiment":"neutral","sentiment_score":-0.19797223762032531,"num_words":42,"start":2654.7349,"end":2673.95},{"sentences":[{"text":"Is there a certain amount of dollar figure that you would be comfortable paying, or are you happy just to look at the increase and what that costs to make that decision for yourself?","start":2674.9949,"end":2684.055,"sentiment":"neutral","sentiment_score":0.0011942094082341476},{"text":"Well, what we do as part of the advice is we make a recommendation with one product.","start":2691.44,"end":2695.28,"sentiment":"neutral","sentiment_score":0.140453758485177},{"text":"So we go out there, review all the different options, and then we make a recommendation and show you what the cost is.","start":2695.28,"end":2700.9,"sentiment":"neutral","sentiment_score":0.17174984028805856},{"text":"Generally speaking, yeah, I can look at a new provider, which is absolutely fine, but you do have to when you increase the policy, you have to go back to a new application again.","start":2701.76,"end":2711.555,"sentiment":"neutral","sentiment_score":-0.008865474011091626},{"text":"So they're gonna wanna have a look at your health, see whether there's been any changes in your health from when you last completed an application for insurances.","start":2711.555,"end":2717.9487,"sentiment":"neutral","sentiment_score":-0.026347794337198138}],"sentiment":"neutral","sentiment_score":0.03926028663922539,"num_words":136,"start":2674.9949,"end":2717.9487},{"sentences":[{"text":"If there has been changes, if your health has changed, If there has been changes, if your health has changed, like you've had, you know, an issue with your shoulder or your back or something, there could be loadings or exclusions added to the new part of the policy.","start":2717.9487,"end":2733.075,"sentiment":"neutral","sentiment_score":-0.03920887889606612},{"text":"But the benefits to increasing with your current provider is that anything that's changed in your health only gets added to the new part of the policy.","start":2733.075,"end":2740.695,"sentiment":"neutral","sentiment_score":0.2049083337187767},{"text":"The older part stays the same.","start":2741.075,"end":2743.2349,"sentiment":"neutral","sentiment_score":0.1628307824333509},{"text":"There's no underwriting or changes to the policy that's already in place.","start":2743.2349,"end":2746.915,"sentiment":"neutral","sentiment_score":0.09671689942479134},{"text":"Does that make sense?","start":2746.915,"end":2748.14,"sentiment":"neutral","sentiment_score":0.12842749431729317}],"sentiment":"neutral","sentiment_score":0.06390395315782148,"num_words":98,"start":2717.9487,"end":2748.14},{"sentences":[{"text":"Yeah.","start":2750.68,"end":2751.18,"sentiment":"neutral","sentiment_score":-0.04942089691758156},{"text":"Few kilos?","start":2755.7998,"end":2756.6199,"sentiment":"neutral","sentiment_score":-0.028481682762503624},{"text":"Well, I'm that's under that's understandable.","start":2756.8398,"end":2759.9,"sentiment":"neutral","sentiment_score":-0.027005867722133797},{"text":"That's okay.","start":2760.5999,"end":2761.3398,"sentiment":"neutral","sentiment_score":0.13809538260102272},{"text":"Just double checking.","start":2762.7551,"end":2763.895,"sentiment":"neutral","sentiment_score":0.0178885484735171}],"sentiment":"neutral","sentiment_score":0.004388352989086083,"num_words":14,"start":2750.68,"end":2763.895},{"sentences":[{"text":"Is there can I grab do you know what your height and weight is at the moment, roughly?","start":2764.035,"end":2769.095,"sentiment":"neutral","sentiment_score":-0.006886892538103793},{"text":"Guesstimate one.","start":2770.355,"end":2771.415,"sentiment":"neutral","sentiment_score":0.006085025612264872},{"text":"Yep.","start":2774.7551,"end":2775.06,"sentiment":"neutral","sentiment_score":0.1269896924495697},{"text":"Beautiful.","start":2775.54,"end":2776.04,"sentiment":"positive","sentiment_score":0.6255462169647217},{"text":"Sixty nine kilos.","start":2781.62,"end":2782.84,"sentiment":"neutral","sentiment_score":0.12417984008789062}],"sentiment":"neutral","sentiment_score":0.04053125660866499,"num_words":25,"start":2764.035,"end":2782.84},{"sentences":[{"text":"Beautiful.","start":2782.9001,"end":2783.4001,"sentiment":"positive","sentiment_score":0.7773483991622925},{"text":"Lovely.","start":2784.74,"end":2785.22,"sentiment":"positive","sentiment_score":0.7732448577880859},{"text":"I'm just quickly pulling up a bit of a quick pre assessment here.","start":2785.22,"end":2788.4202,"sentiment":"neutral","sentiment_score":0.29925823440918553},{"text":"I just wanted to run through that with you really quickly just to see whether there's anything that might flag on any increase of a trauma policy that we might need to be aware of prior to looking at it.","start":2788.4202,"end":2799.455,"sentiment":"neutral","sentiment_score":-0.08163616638630629},{"text":"It just helps me to understand what what might be offered to you there.","start":2800.075,"end":2804.97,"sentiment":"neutral","sentiment_score":0.2728398325187819}],"sentiment":"neutral","sentiment_score":0.08688784498667372,"num_words":69,"start":2782.9001,"end":2804.97},{"sentences":[{"text":"Now I've got your income and employment details.","start":2805.93,"end":2809.13,"sentiment":"neutral","sentiment_score":0.18824625946581364},{"text":"That's absolutely fine.","start":2809.13,"end":2810.67,"sentiment":"positive","sentiment_score":0.3770936926205953},{"text":"How long have you been self employed?","start":2810.89,"end":2812.65,"sentiment":"neutral","sentiment_score":-0.010437624529004097},{"text":"For how many years have you technically been self employed?","start":2812.65,"end":2815.95,"sentiment":"neutral","sentiment_score":-0.034617120027542116}],"sentiment":"neutral","sentiment_score":0.07921487791463733,"num_words":28,"start":2805.93,"end":2815.95}]}}]},{"alternatives":[{"transcript":"You record your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Good afternoon. Christie speaking. I'm very well. Yourself? So far, so good. Yes. Yes. Yes. Not a problem. Yes. My full name is j I e l I u. 10/29/1973. 60 Williams Drive, Thorndon, Queensland 4164. Oh, that's alright. Hope you recovered. That's no good. Yep. I haven't received notice of intent yet. Someone did give me a call, and I oh, oh, good. Good. Good. Oh, yeah? Oh, great. I don't remember. Oh, yep. Okay. Sure. Thank you. Yep. Yep. Sure. Not not really. Yes, please. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Yes. Yep. Sure. I don't really check my super funds quite often. Yeah. Yeah. Just, like, leave it to the professionals to handle. Mhmm. Mhmm. Oh, yes, please. No. No. No. That's fine. Yeah. Yeah. Uh-huh. That's okay. It just has some chocolates from the supermarket before. So sweet. Yeah. Dangerous. Mhmm. I wanna retire as soon as possible. Yes. Yep. Yep. Yep. I don't know. If you were me, what which option you would you like to choose? Yep. Uh-huh. Yeah. Yep. Yeah. Yeah. That sounds good to me. Sounds good to me. Mhmm. Mhmm. Mhmm. Yeah. Yeah. That makes sense. Mhmm. Yeah. Yeah. Sean. I sound okay. Mhmm. Mhmm. Because I'm in positive cash flow since end of last year. So I'm not sure what to cover. I don't have any children. Yeah. Yeah. And I have assets, and I have savings. So and I have super I have insurance. So I don't know what to cover. Nothing to cover. Mhmm. No. No. The the the no. The the loans, I I still keep the loans, but they they are all balanced about a 100% by the offset account. Yes. Yes. There might be day for the property value. Let me log in to myrealestate.com to see the new evaluation. For that, would you want me to do that? Only the one in Cleveland. You only for the fifth one one? Okay. Hang on. We start with the Cleveland one. The high confidence is triple 7,000 And the one yep. This is the okay. The other one, the 42 Valley 1, the the unit or apartment, high confidence is 670 eight Grand. 42 Valley. Yeah. I think so. This is the do you need the address at all? Yeah. Yeah. Yeah. Yeah. This is at Fortitude Valley, an apartment yeah. The high cost oh, and mid range is 60 678 k. High range is $7.30 k. I'm not sure which value would you wanna put in. And the the yeah. The Cleveland one High range is a 40 k. Mid range is triple 7 k. Oh, yep. That's McGregor. Yeah. That one, mid range, is 1,590,000 now, and high range will be 1.88 million. Yes. Yep. Oh, I have the Cleveland one, I have two offset accounts because there there were two loans. And the other two properties, one of the account each, yeah, all a 100% offset, and they just putting back the principles to the bank. And it's, like, automatic payment through the offset accounts, so I don't have to worry about the or time due day or yeah. Yeah. Yeah. Yeah. And I don't wanna pay off them because I will need the I I I might need the, like, the accessibilities to the funds in case then yeah. Any, like, flexibilities. Yeah. Yeah. Oh my. Open my app. Did I tell you this secret? Did did I tell you this secret last year? No. Oh, okay. Offset account. Yeah. Yeah. The the two offset accounts balance for the Cleveland property, just roughly 190 1,000 for one, and the other is 40,000. And the one for the Fortitude Valley is twin 230,000, and the Mcgrewa one is 218,000. Mhmm. Mhmm. Yes. Correct. Yeah. It's still de facto. Yeah. I don't I think the beneficiary shouldn't be Paul. Instead, it should be my mom because we are financially a 100 independent. She had he has his own portfolio. He has his own investments. So we just financially total totally independent. And can you check the beneficiary for my insurance? Would that be my mom? Oh. Yeah. Is it Huazhang, h e o a n z h a n g? It's hard to say. She gave all her money to me, and I managed for her. Yeah. Yeah. I I I do pay for all the bills, including the accommodation, all the utilities, and the food, daily living in Australia. So all the bills paid to me. Dependent. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yeah. Sure. I haven't got time got to my bill yet. Yeah. Yes, please. Mhmm. Yeah. Can close to my address, 60 Williams Drive. No. No. Yes, please. Yes, please. Yes, please. Yep. Yes. Yeah. Yeah. That's true. What would you think? What's your what are your thoughts? My mom is getting she's over 80. She's she's 82 this year. Living at home independently. Yes. Yes. Yes. Of course. It doesn't really matter. And it's also the, like, the legacy from her to the next next generation too. Yeah. Mhmm. Yeah. Yeah. Yeah. Just like well, this this money are not for myself. This was my maybe my niece and nephews. Yeah. So doesn't really worry me too much. Yeah. Mhmm. Mhmm. Mhmm. Yes. I think it's hard to say. Yeah. Well, I I need I don't need to pay out of pocket for it, or it's it came it comes from my super. Right? Yeah. Out of my supers. No. My income has changed because I as we talked last time, yeah, about the the the super contribution, I originally actually changed my business structure from sole trader to proprietary limited. Yeah. Yeah. Yeah. Yeah. So my income level should be increased to, say, between $1,010,000 to 20,000 per month. Yeah. Well, just, say, put in the, like, a smaller end, like, 10,000, like, more conservative for for a whole year. It's just for for my my business income. And then oh, yeah. I don't want to work so hard. And also the the passive income from the two investment properties, yeah, the rents have been increased too. And there's no not much interest to offset negative gearing. No. So it's they they have become positive income. Yeah. So that's why I had to change the business structure in a hurry. Yeah. No. No. Purity from the business. Yes. Yeah. From those properties? You mean the rental income? Currently, the 42 Valley Valley one, the weekly rental is $6.30, and the one at McGregor is $8.90. Mhmm. Yes. Yeah. I think I basically can live on the passive passive income on the rentals. Yeah. Mhmm. Yes. Just keep it. Yeah. Just keep it. Just keep it. Yeah. Peace of mind. Yeah. Yes. Mhmm. Yeah. Yep. Yep. Yes. Yes. Yes. I think that's okay. Yeah. Just yeah. Thank you. No. Yeah. Yeah. I thought about this income protection insurance, but it seems we might have discussed this last year as well. And it doesn't seem the income protection insurance will do me, like, will help me too much. No. Mhmm. Oh. Oh, yeah. So that doesn't yeah. It doesn't make sense to me. It doesn't accept that I'm paying the same premium but not getting the benefits. Yeah. That's true. Especially, they are all positive income. I don't need to pay the the interest. Yep. 60 Woodland Drive is my partner's family trust, I think. Yeah. Yeah. Yeah. So I I live here for free, of course. Yep. Yep. I don't know. What what's your advice? Mhmm. Mhmm. Mhmm. Mhmm. How much am I paying per month? I'm sorry. Can you say that again? Oh, fifty. Yes. Yeah. It's yeah. Can you review this trauma policy for me and give me a recommendation? Maybe higher benefits. Better benefits. Mhmm. Maybe just cover one year. Yep. Yeah. Yep. Mhmm. Can I have the, like, options for comparison? Yes. Mhmm. Mhmm. Yeah. Yeah. Yeah. Nothing happened to my health except put on a few kilos. Put on weight. My height is about six a hundred sixty four. My weight is around sixty nine kilos. Yep. 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record your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Good afternoon.\n\nChristie speaking. I'm very well. Yourself? So far, so good. Yes.\n\nYes. Yes. Not a problem. Yes. My full name is j I e l I u.\n\n10/29/1973. 60 Williams Drive, Thorndon, Queensland 4164. Oh, that's alright. Hope you recovered. That's no good.\n\nYep. I haven't received notice of intent yet. Someone did give me a call, and I oh, oh, good. Good. Good.\n\nOh, yeah? Oh, great. I don't remember. Oh, yep. Okay.\n\nSure. Thank you. Yep. Yep. Sure.\n\nNot not really. Yes, please. Mhmm. Mhmm. Mhmm.\n\nYes. Mhmm. Yes. Yep. Sure.\n\nI don't really check my super funds quite often. Yeah. Yeah. Just, like, leave it to the professionals to handle. Mhmm.\n\nMhmm. Oh, yes, please. No. No. No.\n\nThat's fine. Yeah. Yeah. Uh-huh. That's okay.\n\nIt just has some chocolates from the supermarket before. So sweet. Yeah. Dangerous. Mhmm.\n\nI wanna retire as soon as possible. Yes. Yep. Yep. Yep.\n\nI don't know. If you were me, what which option you would you like to choose? Yep. Uh-huh. Yeah.\n\nYep. Yeah. Yeah. That sounds good to me. Sounds good to me.\n\nMhmm. Mhmm. Mhmm. Yeah. Yeah.\n\nThat makes sense. Mhmm. Yeah. Yeah. Sean.\n\nI sound okay. Mhmm. Mhmm. Because I'm in positive cash flow since end of last year. So I'm not sure what to cover.\n\nI don't have any children. Yeah. Yeah. And I have assets, and I have savings. So and I have super I have insurance.\n\nSo I don't know what to cover. Nothing to cover. Mhmm. No. No.\n\nThe the the no. The the loans, I I still keep the loans, but they they are all balanced about a 100% by the offset account. Yes. Yes. There might be day for the property value.\n\nLet me log in to myrealestate.com to see the new evaluation. For that, would you want me to do that? Only the one in Cleveland. You only for the fifth one one? Okay.\n\nHang on. We start with the Cleveland one. The high confidence is triple 7,000 And the one yep. This is the okay. The other one, the 42 Valley 1, the the unit or apartment, high confidence is 670 eight Grand.\n\n42 Valley. Yeah. I think so. This is the do you need the address at all? Yeah.\n\nYeah. Yeah. Yeah. This is at Fortitude Valley, an apartment yeah. The high cost oh, and mid range is 60 678 k.\n\nHigh range is $7.30 k. I'm not sure which value would you wanna put in. And the the yeah. The Cleveland one High range is a 40 k. Mid range is triple 7 k.\n\nOh, yep. That's McGregor. Yeah. That one, mid range, is 1,590,000 now, and high range will be 1.88 million. Yes.\n\nYep. Oh, I have the Cleveland one, I have two offset accounts because there there were two loans. And the other two properties, one of the account each, yeah, all a 100% offset, and they just putting back the principles to the bank. And it's, like, automatic payment through the offset accounts, so I don't have to worry about the or time due day or yeah. Yeah.\n\nYeah. Yeah. And I don't wanna pay off them because I will need the I I I might need the, like, the accessibilities to the funds in case then yeah. Any, like, flexibilities. Yeah.\n\nYeah. Oh my. Open my app. Did I tell you this secret? Did did I tell you this secret last year?\n\nNo. Oh, okay. Offset account. Yeah. Yeah.\n\nThe the two offset accounts balance for the Cleveland property, just roughly 190 1,000 for one, and the other is 40,000. And the one for the Fortitude Valley is twin 230,000, and the Mcgrewa one is 218,000. Mhmm. Mhmm. Yes.\n\nCorrect. Yeah. It's still de facto. Yeah. I don't I think the beneficiary shouldn't be Paul.\n\nInstead, it should be my mom because we are financially a 100 independent. She had he has his own portfolio. He has his own investments. So we just financially total totally independent. And can you check the beneficiary for my insurance?\n\nWould that be my mom? Oh. Yeah. Is it Huazhang, h e o a n z h a n g? It's hard to say.\n\nShe gave all her money to me, and I managed for her. Yeah. Yeah. I I I do pay for all the bills, including the accommodation, all the utilities, and the food, daily living in Australia. So all the bills paid to me.\n\nDependent. Mhmm. Mhmm. Yep. Mhmm.\n\nMhmm. Yeah. Sure. I haven't got time got to my bill yet. Yeah.\n\nYes, please. Mhmm. Yeah. Can close to my address, 60 Williams Drive. No.\n\nNo. Yes, please. Yes, please. Yes, please. Yep.\n\nYes. Yeah. Yeah. That's true. What would you think?\n\nWhat's your what are your thoughts? My mom is getting she's over 80. She's she's 82 this year. Living at home independently. Yes.\n\nYes. Yes. Of course. It doesn't really matter. And it's also the, like, the legacy from her to the next next generation too.\n\nYeah. Mhmm. Yeah. Yeah. Yeah.\n\nJust like well, this this money are not for myself. This was my maybe my niece and nephews. Yeah. So doesn't really worry me too much. Yeah.\n\nMhmm. Mhmm. Mhmm. Yes. I think it's hard to say.\n\nYeah. Well, I I need I don't need to pay out of pocket for it, or it's it came it comes from my super. Right? Yeah. Out of my supers.\n\nNo. My income has changed because I as we talked last time, yeah, about the the the super contribution, I originally actually changed my business structure from sole trader to proprietary limited. Yeah. Yeah. Yeah.\n\nYeah. So my income level should be increased to, say, between $1,010,000 to 20,000 per month. Yeah. Well, just, say, put in the, like, a smaller end, like, 10,000, like, more conservative for for a whole year. It's just for for my my business income.\n\nAnd then oh, yeah. I don't want to work so hard. And also the the passive income from the two investment properties, yeah, the rents have been increased too. And there's no not much interest to offset negative gearing. No.\n\nSo it's they they have become positive income. Yeah. So that's why I had to change the business structure in a hurry. Yeah. No.\n\nNo. Purity from the business. Yes. Yeah. From those properties?\n\nYou mean the rental income? Currently, the 42 Valley Valley one, the weekly rental is $6.30, and the one at McGregor is $8.90. Mhmm. Yes. Yeah.\n\nI think I basically can live on the passive passive income on the rentals. Yeah. Mhmm. Yes. Just keep it.\n\nYeah. Just keep it. Just keep it. Yeah. Peace of mind.\n\nYeah. Yes. Mhmm. Yeah. Yep.\n\nYep. Yes. Yes. Yes. I think that's okay.\n\nYeah. Just yeah. Thank you. No. Yeah.\n\nYeah. I thought about this income protection insurance, but it seems we might have discussed this last year as well. And it doesn't seem the income protection insurance will do me, like, will help me too much. No. Mhmm.\n\nOh. Oh, yeah. So that doesn't yeah. It doesn't make sense to me. It doesn't accept that I'm paying the same premium but not getting the benefits.\n\nYeah. That's true. Especially, they are all positive income. I don't need to pay the the interest. Yep.\n\n60 Woodland Drive is my partner's family trust, I think. Yeah. Yeah. Yeah. So I I live here for free, of course.\n\nYep. Yep. I don't know. What what's your advice? Mhmm.\n\nMhmm. Mhmm. Mhmm. How much am I paying per month? I'm sorry.\n\nCan you say that again? Oh, fifty. Yes. Yeah. It's yeah.\n\nCan you review this trauma policy for me and give me a recommendation? Maybe higher benefits. Better benefits. Mhmm. Maybe just cover one year.\n\nYep. Yeah. Yep. Mhmm. Can I have the, like, options for comparison?\n\nYes. Mhmm. Mhmm. Yeah. Yeah.\n\nYeah. Nothing happened to my health except put on a few kilos. Put on weight. My height is about six a hundred sixty four. My weight is around sixty nine kilos.\n\nYep. Sure.","paragraphs":[{"sentences":[{"text":"You record your name and reason for calling.","start":0.16,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.01097553875297308},{"text":"I'll see if this person is available.","start":2.3999999,"end":4.26,"sentiment":"neutral","sentiment_score":0.011723716743290424},{"text":"Thanks.","start":14.88,"end":15.38,"sentiment":"positive","sentiment_score":0.4735629856586456},{"text":"Please stay on the line.","start":15.735,"end":17.115,"sentiment":"neutral","sentiment_score":0.22072239816188813},{"text":"Good afternoon.","start":20.295,"end":21.035,"sentiment":"positive","sentiment_score":0.335675448179245}],"sentiment":"neutral","sentiment_score":0.10514766087188669,"num_words":23,"start":0.16,"end":21.035},{"sentences":[{"text":"Christie speaking.","start":21.255,"end":22.235,"sentiment":"neutral","sentiment_score":0.17827524989843369},{"text":"I'm very 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positive cash flow since end of last year.","start":736.25995,"end":742.75995,"sentiment":"neutral","sentiment_score":0.11416490782390941},{"text":"So I'm not sure what to cover.","start":743.22,"end":747.875,"sentiment":"neutral","sentiment_score":-0.08771510741540364}],"sentiment":"neutral","sentiment_score":0.04016049716459668,"num_words":23,"start":680.84,"end":747.875},{"sentences":[{"text":"I don't have any children.","start":747.875,"end":749.255,"sentiment":"neutral","sentiment_score":-0.20620782375335694},{"text":"Yeah.","start":750.115,"end":750.615,"sentiment":"neutral","sentiment_score":-0.04066086560487747},{"text":"Yeah.","start":751.075,"end":751.395,"sentiment":"neutral","sentiment_score":-0.03705044835805893},{"text":"And I have assets, and I have savings.","start":751.395,"end":754.775,"sentiment":"neutral","sentiment_score":-0.024032233515754342},{"text":"So and I have super I have 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no.","start":782.35504,"end":784.91504,"sentiment":"neutral","sentiment_score":-0.06532045360654593},{"text":"The the loans, I I still keep the loans, but they they are all balanced about a 100% by the offset account.","start":784.91504,"end":795.82,"sentiment":"neutral","sentiment_score":0.015118856406347319},{"text":"Yes.","start":802.6,"end":803.025,"sentiment":"neutral","sentiment_score":0.06602973490953445},{"text":"Yes.","start":812.54504,"end":813.04504,"sentiment":"neutral","sentiment_score":0.0726756751537323},{"text":"There might be day for the property value.","start":820.58,"end":823.64,"sentiment":"neutral","sentiment_score":0.009310065535828471}],"sentiment":"neutral","sentiment_score":0.00790330446842644,"num_words":36,"start":782.35504,"end":823.64},{"sentences":[{"text":"Let me log in to myrealestate.com to see the new evaluation.","start":824.82,"end":834.48505,"sentiment":"neutral","sentiment_score":0.058060268786820496},{"text":"For that, would you want me to do 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all?","start":918.47504,"end":921.455,"sentiment":"neutral","sentiment_score":-0.01193112088367343},{"text":"Yeah.","start":927.28,"end":927.68005,"sentiment":"neutral","sentiment_score":0.02339796721935272}],"sentiment":"neutral","sentiment_score":-0.009228467557798414,"num_words":17,"start":903.66,"end":927.68005},{"sentences":[{"text":"Yeah.","start":927.68005,"end":928.0,"sentiment":"neutral","sentiment_score":0.04154625162482262},{"text":"Yeah.","start":928.0,"end":928.5,"sentiment":"neutral","sentiment_score":0.04694656282663345},{"text":"Yeah.","start":929.04004,"end":929.36005,"sentiment":"neutral","sentiment_score":0.0215969942510128},{"text":"This is at Fortitude Valley, an apartment yeah.","start":929.36005,"end":934.9,"sentiment":"neutral","sentiment_score":0.023764934856444597},{"text":"The high cost oh, and mid range is 60 678 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yeah.","start":1034.54,"end":1044.6201,"sentiment":"neutral","sentiment_score":0.11650492615349915},{"text":"Yeah.","start":1044.6201,"end":1044.78,"sentiment":"neutral","sentiment_score":0.04821003973484039}],"sentiment":"neutral","sentiment_score":0.0884494507657503,"num_words":67,"start":1003.655,"end":1044.78},{"sentences":[{"text":"Yeah.","start":1044.78,"end":1045.1001,"sentiment":"neutral","sentiment_score":0.04194542020559311},{"text":"Yeah.","start":1045.1001,"end":1045.515,"sentiment":"neutral","sentiment_score":0.028826110064983368},{"text":"And I don't wanna pay off them because I will need the I I I might need the, like, the accessibilities to the funds in case then yeah.","start":1045.515,"end":1057.375,"sentiment":"neutral","sentiment_score":-0.018488003173843026},{"text":"Any, like, 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1,000 for one, and the other is 40,000.","start":1097.0751,"end":1114.03,"sentiment":"neutral","sentiment_score":0.05243269886289324},{"text":"And the one for the Fortitude Valley is twin 230,000, and the Mcgrewa one is 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mind.","start":2096.18,"end":2097.16,"sentiment":"positive","sentiment_score":0.6607464949289957}],"sentiment":"neutral","sentiment_score":0.27671022950248286,"num_words":11,"start":2093.6199,"end":2097.16},{"sentences":[{"text":"Yeah.","start":2118.975,"end":2119.475,"sentiment":"neutral","sentiment_score":0.06420763581991196},{"text":"Yes.","start":2119.695,"end":2120.195,"sentiment":"neutral","sentiment_score":0.07568004727363586},{"text":"Mhmm.","start":2131.18,"end":2131.68,"sentiment":"neutral","sentiment_score":-0.022066567093133926},{"text":"Yeah.","start":2143.975,"end":2144.475,"sentiment":"neutral","sentiment_score":0.09920750558376312},{"text":"Yep.","start":2157.71,"end":2158.21,"sentiment":"neutral","sentiment_score":0.09445247054100037}],"sentiment":"neutral","sentiment_score":0.06229621842503548,"num_words":5,"start":2118.975,"end":2158.21},{"sentences":[{"text":"Yep.","start":2158.27,"end":2158.77,"sentiment":"neutral","sentiment_score":-0.010963074862957},{"text":"Yes.","start":2172.855,"end":2173.355,"sentiment":"neutral","sentiment_score":0.1834330856800079},{"text":"Yes.","start":2174.215,"end":2174.715,"sentiment":"neutral","sentiment_score":0.15210410952568054},{"text":"Yes.","start":2174.7751,"end":2175.2751,"sentiment":"neutral","sentiment_score":0.19554492831230164},{"text":"I think that's okay.","start":2186.51,"end":2188.21,"sentiment":"neutral","sentiment_score":0.14426389150321484}],"sentiment":"neutral","sentiment_score":0.13714682683348656,"num_words":8,"start":2158.27,"end":2188.21},{"sentences":[{"text":"Yeah.","start":2189.15,"end":2189.63,"sentiment":"neutral","sentiment_score":0.15626785159111023},{"text":"Just yeah.","start":2189.63,"end":2192.185,"sentiment":"neutral","sentiment_score":0.2345081940293312},{"text":"Thank you.","start":2192.185,"end":2192.925,"sentiment":"positive","sentiment_score":0.40025028586387634},{"text":"No.","start":2197.065,"end":2197.565,"sentiment":"neutral","sentiment_score":-0.17869475483894348},{"text":"Yeah.","start":2217.59,"end":2218.065,"sentiment":"neutral","sentiment_score":0.07847703248262405}],"sentiment":"neutral","sentiment_score":0.18936672700302942,"num_words":7,"start":2189.15,"end":2218.065},{"sentences":[{"text":"Yeah.","start":2230.545,"end":2230.9448,"sentiment":"neutral","sentiment_score":-0.004690658301115036},{"text":"I thought about this income protection insurance, but it seems we might have discussed this last year as well.","start":2230.9448,"end":2240.86,"sentiment":"neutral","sentiment_score":-0.007297873202907412},{"text":"And it doesn't seem the income protection insurance will do me, like, will help me too much.","start":2241.6401,"end":2250.515,"sentiment":"neutral","sentiment_score":-0.3069366129005657},{"text":"No.","start":2252.815,"end":2253.315,"sentiment":"neutral","sentiment_score":-0.2544865608215332},{"text":"Mhmm.","start":2270.62,"end":2271.12,"sentiment":"neutral","sentiment_score":-0.0894683226943016}],"sentiment":"neutral","sentiment_score":-0.14628788594825146,"num_words":39,"start":2230.545,"end":2271.12},{"sentences":[{"text":"Oh.","start":2303.185,"end":2303.685,"sentiment":"neutral","sentiment_score":-0.05916690826416016},{"text":"Oh, yeah.","start":2338.315,"end":2338.9548,"sentiment":"neutral","sentiment_score":-0.043825697153806686},{"text":"So that doesn't yeah.","start":2338.9548,"end":2340.555,"sentiment":"neutral","sentiment_score":-0.08611987810581923},{"text":"It doesn't make sense to me.","start":2340.555,"end":2342.255,"sentiment":"neutral","sentiment_score":-0.1822936087846756},{"text":"It doesn't accept that I'm paying the same premium but not getting the benefits.","start":2342.315,"end":2348.25,"sentiment":"neutral","sentiment_score":-0.0969360891197409}],"sentiment":"neutral","sentiment_score":-0.1089690635325732,"num_words":27,"start":2303.185,"end":2348.25},{"sentences":[{"text":"Yeah.","start":2380.12,"end":2380.44,"sentiment":"neutral","sentiment_score":0.1284671574831009},{"text":"That's true.","start":2380.44,"end":2381.08,"sentiment":"neutral","sentiment_score":0.2181393802165985},{"text":"Especially, they are all positive income.","start":2381.08,"end":2383.64,"sentiment":"positive","sentiment_score":0.3471055229504903},{"text":"I don't need to pay the the interest.","start":2383.64,"end":2386.4248,"sentiment":"neutral","sentiment_score":-0.11310780420899391},{"text":"Yep.","start":2390.405,"end":2390.905,"sentiment":"neutral","sentiment_score":0.08283131569623947}],"sentiment":"neutral","sentiment_score":0.10140821875797378,"num_words":18,"start":2380.12,"end":2390.905},{"sentences":[{"text":"60 Woodland Drive is my partner's family trust, I think.","start":2403.4502,"end":2409.7102,"sentiment":"neutral","sentiment_score":0.015281623136252165},{"text":"Yeah.","start":2411.1301,"end":2411.6301,"sentiment":"neutral","sentiment_score":0.09953705966472626},{"text":"Yeah.","start":2411.6902,"end":2412.1702,"sentiment":"neutral","sentiment_score":0.22503802180290225},{"text":"Yeah.","start":2412.1702,"end":2412.6702,"sentiment":"neutral","sentiment_score":0.2400232255458832},{"text":"So I I live here for free, of course.","start":2412.7302,"end":2415.6748,"sentiment":"positive","sentiment_score":0.3663347098562453}],"sentiment":"neutral","sentiment_score":0.18247395123101093,"num_words":22,"start":2403.4502,"end":2415.6748},{"sentences":[{"text":"Yep.","start":2436.68,"end":2437.18,"sentiment":"neutral","sentiment_score":0.012451453134417534},{"text":"Yep.","start":2438.04,"end":2438.54,"sentiment":"neutral","sentiment_score":0.03649900108575821},{"text":"I don't know.","start":2450.2551,"end":2451.075,"sentiment":"neutral","sentiment_score":-0.15888195236523947},{"text":"What what's your advice?","start":2451.855,"end":2453.555,"sentiment":"neutral","sentiment_score":-0.1107369214296341},{"text":"Mhmm.","start":2466.8801,"end":2467.3801,"sentiment":"neutral","sentiment_score":-0.028578586876392365}],"sentiment":"neutral","sentiment_score":-0.08992216754704714,"num_words":10,"start":2436.68,"end":2467.3801},{"sentences":[{"text":"Mhmm.","start":2480.335,"end":2480.835,"sentiment":"neutral","sentiment_score":0.12025094032287598},{"text":"Mhmm.","start":2482.6548,"end":2483.1548,"sentiment":"neutral","sentiment_score":0.006536739878356457},{"text":"Mhmm.","start":2511.095,"end":2511.595,"sentiment":"neutral","sentiment_score":-0.06237800791859627},{"text":"How much am I paying per month?","start":2574.23,"end":2577.2102,"sentiment":"neutral","sentiment_score":-0.14464504484619414},{"text":"I'm sorry.","start":2582.615,"end":2583.095,"sentiment":"neutral","sentiment_score":-0.16069379448890686}],"sentiment":"neutral","sentiment_score":-0.10579110255154471,"num_words":12,"start":2480.335,"end":2583.095},{"sentences":[{"text":"Can you say that again?","start":2583.095,"end":2584.395,"sentiment":"neutral","sentiment_score":-0.10087235122919083},{"text":"Oh, fifty.","start":2586.775,"end":2587.595,"sentiment":"neutral","sentiment_score":-0.004484557081013918},{"text":"Yes.","start":2588.9348,"end":2589.4348,"sentiment":"neutral","sentiment_score":0.027101721614599228},{"text":"Yeah.","start":2589.895,"end":2590.395,"sentiment":"neutral","sentiment_score":0.018961284309625626},{"text":"It's yeah.","start":2590.4548,"end":2593.655,"sentiment":"neutral","sentiment_score":-0.00022152159363031387}],"sentiment":"neutral","sentiment_score":-0.04251917341554707,"num_words":11,"start":2583.095,"end":2593.655},{"sentences":[{"text":"Can you review this trauma policy for me and give me a recommendation?","start":2593.655,"end":2598.98,"sentiment":"neutral","sentiment_score":0.024420736644130487},{"text":"Maybe higher benefits.","start":2611.045,"end":2612.425,"sentiment":"neutral","sentiment_score":0.05107363437612852},{"text":"Better benefits.","start":2613.685,"end":2614.5051,"sentiment":"neutral","sentiment_score":0.17303462326526642},{"text":"Mhmm.","start":2628.53,"end":2629.03,"sentiment":"neutral","sentiment_score":-0.17658628523349762},{"text":"Maybe just cover one year.","start":2649.095,"end":2651.275,"sentiment":"neutral","sentiment_score":0.04488987699151039}],"sentiment":"neutral","sentiment_score":0.03602595107319454,"num_words":24,"start":2593.655,"end":2651.275},{"sentences":[{"text":"Yep.","start":2651.34,"end":2651.84,"sentiment":"neutral","sentiment_score":0.09901895374059676},{"text":"Yeah.","start":2655.34,"end":2655.84,"sentiment":"neutral","sentiment_score":0.12473658472299576},{"text":"Yep.","start":2664.22,"end":2664.675,"sentiment":"neutral","sentiment_score":-0.08508685231208801},{"text":"Mhmm.","start":2674.835,"end":2675.335,"sentiment":"neutral","sentiment_score":-0.029199182987213135},{"text":"Can I have the, like, options for comparison?","start":2686.68,"end":2690.22,"sentiment":"neutral","sentiment_score":0.01135669625364244}],"sentiment":"neutral","sentiment_score":0.01669358943278591,"num_words":12,"start":2651.34,"end":2690.22},{"sentences":[{"text":"Yes.","start":2706.68,"end":2707.18,"sentiment":"neutral","sentiment_score":0.07081083953380585},{"text":"Mhmm.","start":2714.5999,"end":2715.0999,"sentiment":"neutral","sentiment_score":-0.04016507416963577},{"text":"Mhmm.","start":2730.845,"end":2731.345,"sentiment":"neutral","sentiment_score":-0.02608191035687923},{"text":"Yeah.","start":2748.895,"end":2749.135,"sentiment":"neutral","sentiment_score":0.034489940851926804},{"text":"Yeah.","start":2749.135,"end":2749.4548,"sentiment":"neutral","sentiment_score":0.02072304859757423}],"sentiment":"neutral","sentiment_score":0.011955368891358375,"num_words":5,"start":2706.68,"end":2749.4548},{"sentences":[{"text":"Yeah.","start":2749.4548,"end":2749.9548,"sentiment":"neutral","sentiment_score":-0.007285000756382942},{"text":"Nothing happened to my health except put on a few kilos.","start":2750.4949,"end":2754.355,"sentiment":"neutral","sentiment_score":-0.08508607406507838},{"text":"Put on weight.","start":2757.375,"end":2758.355,"sentiment":"neutral","sentiment_score":-0.0311967171728611},{"text":"My height is about six a hundred sixty four.","start":2769.99,"end":2774.01,"sentiment":"neutral","sentiment_score":0.006425943122141891},{"text":"My weight is around sixty nine kilos.","start":2776.6301,"end":2780.785,"sentiment":"neutral","sentiment_score":0.2139935599906104}],"sentiment":"neutral","sentiment_score":0.016740852936861977,"num_words":31,"start":2749.4548,"end":2780.785},{"sentences":[{"text":"Yep.","start":2799.81,"end":2800.31,"sentiment":"neutral","sentiment_score":0.1529616117477417},{"text":"Sure.","start":2805.9849,"end":2806.4849,"sentiment":"neutral","sentiment_score":0.15865358710289}],"sentiment":"neutral","sentiment_score":0.15580759942531586,"num_words":2,"start":2799.81,"end":2806.4849}]}}]}],"paragraphs":{"transcript":"\nChannel 1: You record your name and reason for calling. I'll see if this person is available.\n\nChannel 0: Dana, Okey Financial. Hi,\n\nChannel 1: Thanks.\n\nChannel 0: Christie.\n\nChannel 1: Please stay on the line.\n\nChannel 0: It's\n\nChannel 1: Good afternoon.\n\nChannel 0: Dana\n\nChannel 1: Christie speaking.\n\nChannel 0: OQ Financial. How are you today?\n\nChannel 1: I'm very well. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. How's your day been so far?\n\nChannel 1: So far, so good.\n\nChannel 0: That is excellent. I'm have you booked in to go through your annual review? Is now still a good time there for you?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. Not a problem.\n\nChannel 0: Fantastic. And you've sorry. Also, this is a security day with you as well. I'll just need to confirm your full name, your date of birth, and address I should have on file just to see how to discuss your personal information.\n\nChannel 1: Yes. My full name is j I e l I u.\n\nChannel 0: Yep.\n\nChannel 1: 10/29/1973. 60 Williams Drive, Thorndon, Queensland 4164.\n\nChannel 0: Fantastic. Thank you so much for that. So I do apologize. I know I had you booked in last week to go to your annual review last Monday. Unfortunately, I was a bit unwell.\n\nHurt my back, so I wasn't able to be at work. So I do apologize for rescheduling that one on you.\n\nChannel 1: Oh, that's alright.\n\nChannel 0: Oh,\n\nChannel 1: Hope\n\nChannel 0: good.\n\nChannel 1: you\n\nChannel 0: Well, let\n\nChannel 1: recovered.\n\nChannel 0: oh, thank you. One of the things one of the aspects of getting older. We break down a little bit, unfortunately.\n\nChannel 1: That's no good.\n\nChannel 0: No. All good, Christie. Now I can see you did put your contribution in, which is fantastic. So your contributions for this financial year are now up to 30,000 for the year. You've claimed\n\nChannel 1: Yep.\n\nChannel 0: the notice of intent, and my team have provided you with that confirmation. You've got that there ready to go for your tax return.\n\nChannel 1: I haven't received notice of intent yet. Someone\n\nChannel 0: No.\n\nChannel 1: did give me a call, and I\n\nChannel 0: Yeah. You don't have to sign one anymore. We already already submitted it. So with Hub\n\nChannel 1: oh,\n\nChannel 0: 20\n\nChannel 1: oh, good.\n\nChannel 0: four,\n\nChannel 1: Good.\n\nChannel 0: did\n\nChannel 1: Good.\n\nChannel 0: it require the form? Yeah. We just get verbal confirmation that you're happy for us to process it, which is what Samantha's call was about. About.\n\nChannel 1: Oh, yeah?\n\nChannel 0: And then she went online, and she submitted it for you through HAB 24. So it's all done and dusted.\n\nChannel 1: Oh, great.\n\nChannel 0: Yeah. Did you get the acknowledgment letter to the they send a confirmation letter out once that has been completed. Have you received that letter in the mail or in the post or in email?\n\nChannel 1: I don't remember.\n\nChannel 0: If not, that's okay. I will grab another one after the call for you and resend\n\nChannel 1: Oh,\n\nChannel 0: it through\n\nChannel 1: yep.\n\nChannel 0: to you so you have that there. It is not a problem in any way, shape, or form. Okay?\n\nChannel 1: Okay. Sure. Thank you.\n\nChannel 0: Fantastic. Not a problem at all. Look. Once you once we submit the notice of intent, essentially, it does the super fund does let the ATO know and report on that, so it all should be in your system there. I like to just email out the the acknowledgment letter.\n\nThis is a secondary confirmation. If you take that with you to your account, it gives us got that as a bit of a backup in case it hasn't been reported correctly. Okay.\n\nChannel 1: Yep. Yep. Sure.\n\nChannel 0: Easy. Fantastic. Now as part of your review, we'll go through and have a bit of a look at what your sleep has done, have a look at your goals, and see if there's any new advice to provide there. But is there any specific questions you might have or anything you wanted me to touch on as part of\n\nChannel 1: Not\n\nChannel 0: your\n\nChannel 1: not really.\n\nChannel 0: review? No. That's okay. That's absolutely fine. So if you like, I'll start by just giving you a bit of an update here on your super.\n\nSo having a\n\nChannel 1: Yes,\n\nChannel 0: look back\n\nChannel 1: please.\n\nChannel 0: at your review last year, your balance then was about a 114,535 and 79¢. Your\n\nChannel 1: Mhmm.\n\nChannel 0: balance this year were upwards of a $153,001.63 and 2¢ there. So, obviously, contributions\n\nChannel 1: Mhmm.\n\nChannel 0: So when I have a look at your portfolio as a whole, and I'm also sending you an email to see you do have those documents in your email to review there as well. But, essentially, the the portfolio hasn't hasn't performed very badly. It's actually performed quite well. After\n\nChannel 1: Mhmm.\n\nChannel 0: the last twelve months, it is showing a net after tax after fees return of 9.23%. So that is actually a very good return. Looking\n\nChannel 1: Yes.\n\nChannel 0: at your portfolio, you're in you're in that balanced growth kind of environment. So, generally, that's where you see about 70% of your super invested in growth assets. So thinking things like in shares, international shares, listed property, and commodities, so some gold and silver in there as well, and then the other 30% in lower risk defensive investments like cash, bonds, and fixed interest. So this kind of a portfolio, you're sort of averaging chasing a return of around about six to 8% there. So the fact that you've got a 9.23% after fees shows that your portfolio has definitely outperformed for the year, and that's a\n\nChannel 1: Mhmm.\n\nChannel 0: good solid return. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Some people do prefer a dollar figure as opposed to a percentage. So when you look at the gross and the income component there as a dollar figure, your portfolio has made about $13,468 for the year. So it is a good return. Right.\n\nWe've seen a lot of ups and downs this year, so very happy with that, and we certainly wanna make sure we're compounding that forward for you as well. Okay?\n\nChannel 1: Yep. Sure.\n\nChannel 0: Beautiful. I did have a little bit of a look at the underlying investments there. As I kinda mentioned, everything's been doing quite well. There is this one investment within your portfolio that looks like it has sort of underperformed a little bit. It hasn't sort of held your portfolio back in any way this year.\n\nBut you've got the Australian Equities. Do you look at your super fund or look at have 24 very often, Christie?\n\nChannel 1: I don't really check my super funds quite often.\n\nChannel 0: No. That's okay. Is that\n\nChannel 1: Yeah.\n\nChannel 0: something you just sticks away in the\n\nChannel 1: Yeah. Just, like, leave it to\n\nChannel 0: background?\n\nChannel 1: the professionals to handle.\n\nChannel 0: Oh, well, thank you. Well, no. Honestly, look, everything, as I said, has been doing quite well, but you were originally recommended to invest some of your funds in the Benelon Australian Equities Fund that was giving you exposure to the Australian market. Essentially, that managed fund in your portfolio holds anywhere between 15 to 20 different investments depending on what they're invested in. And that sort of managed fund is more of an actively managed fund.\n\nSo the investment manager of Van Along is trying to outperform against the market. They're trying to buy and sell and pick the top and the bottom and pick their way in to and outperform against the benchmark or the market, essentially.\n\nChannel 1: Mhmm.\n\nChannel 0: Active managers don't always kind of hit that mark. In fact, very few of them do it every year. I've never seen any of them have hit the mark every single year. And to have a little bit of active management in your portfolio, you do pay a little bit more in management fees for doing so. So it does cost a little bit more.\n\nIt is unfortunately underperforming a bit at the moment. So when I've kinda had a look at your portfolio, having a look at what Benelon's been doing, we do wanna look at removing that from your portfolio, maybe doing an investment switch, having a look at all the investments in your portfolio, seeing how they have performed, and if there's maybe a portfolio after that performs a bit better. Are you comfortable\n\nChannel 1: Mhmm.\n\nChannel 0: with maybe maybe having a look at that for you and updating the advice to see if there's, you know, some better investments out there for you?\n\nChannel 1: Oh, yes, please.\n\nChannel 0: Yeah. Beautiful. Oh, good. Are you okay? Do you need a second?\n\nI'm so sorry. Coughing.\n\nChannel 1: No. No. No. That's fine.\n\nChannel 0: You're okay? If you\n\nChannel 1: Yeah.\n\nChannel 0: need\n\nChannel 1: Yeah.\n\nChannel 0: a second, me to stop. Honestly, it's absolutely fine.\n\nChannel 1: Uh-huh. That's okay. It just has some chocolates\n\nChannel 0: Oh,\n\nChannel 1: from the supermarket before. So sweet.\n\nChannel 0: look. Enjoy that. Is it so it make you cough a little bit afterwards? Or\n\nChannel 1: Yeah.\n\nChannel 0: oh, beautiful. No. Enjoy that. We all just have a little bit of chocolate here and there. There's nothing wrong with that.\n\nChannel 1: Dangerous.\n\nChannel 0: Oh, all good. Now, Christy, with your portfolio, there's a couple of different investments I've been sort of looking at that we can look to replace that then along with.\n\nChannel 1: Mhmm.\n\nChannel 0: You can having a look at your agent stage now, are you sort of looking at your goal? Are you looking to sort of wanting to access super at around about the earliest point that you can, say, age 60, or are you sort of thinking you're probably gonna work a little bit longer? What's your goal for accessing your super?\n\nChannel 1: I wanna retire as soon as possible.\n\nChannel 0: As soon as possible. Understandable. So,\n\nChannel 1: Yes.\n\nChannel 0: realistically, you can access super under the current legislation at the age of 60 if you choose to retire at that point. And\n\nChannel 1: Yep.\n\nChannel 0: you get full access to your Super. No restrictions, and it's tax free, which is great.\n\nChannel 1: Yep.\n\nChannel 0: What I can be doing is looking at essentially, the main reason I'm sort of looking at this is to assess your time horizon because we can replace that along with another active manager, or I could look at investments which might be a bit cheaper, might have more diversification, obviously, because you are in your fifties. Having a cheaper investment means that there's more money in your super compounding working towards towards your goal of accessing your super there. Did\n\nChannel 1: Yep.\n\nChannel 0: you want me to look at something more actively managed like you had in there, or do you wanna look at a cheaper investment that, you know, still provides great growth and has performed well?\n\nChannel 1: I don't know. If you were me, what which option you would you like to choose?\n\nChannel 0: If I was you, I'd honestly be looking to try and boost my super any way possible. So looking at maybe reducing investment fees, looking at having a diversified port you know, diversified portfolio, but looking to diversify as much as possible. So I'd be\n\nChannel 1: Yep.\n\nChannel 0: sort of steering away from that. If it was me, I'd be sort\n\nChannel 1: Uh-huh.\n\nChannel 0: of steering away from the active management in my portfolio, looking to be more passively,\n\nChannel 1: Yeah.\n\nChannel 0: cheaply managed, but still wanting\n\nChannel 1: Yep.\n\nChannel 0: to get good returns. But that's\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: me. And is that\n\nChannel 1: That\n\nChannel 0: okay\n\nChannel 1: sounds\n\nChannel 0: for\n\nChannel 1: good\n\nChannel 0: you?\n\nChannel 1: to me. Sounds good\n\nChannel 0: Yeah.\n\nChannel 1: to me.\n\nChannel 0: One of the biggest things to consider is when you do have those active managers in your portfolio, because they are to time the market, they are taking a bit more risk to do so. And Benelung,\n\nChannel 1: Mhmm.\n\nChannel 0: as I mentioned, has generally anywhere between 15 to 20 different investments depending on what they're holding. Whereas I could look at a passively managed funds that might have 200 investments in it. Therefore, it's\n\nChannel 1: Mhmm.\n\nChannel 0: giving you more diversification. It's holding more more investments on the Aussie market, and it gives you more diversification, which can lower your risk level and be a cheaper investment\n\nChannel 1: Mhmm.\n\nChannel 0: as well. If you can save fees here and there, it means you have more money and you're super working harder compounding towards your your goal. Does that make sense?\n\nChannel 1: Yeah. Yeah. That makes sense.\n\nChannel 0: Yeah. Beautiful. Well, I'll go back and review the portfolio, have a better look at the options there. It does take a couple of weeks to do the research. So once I have that research completed, my team will book you back in, and I can go\n\nChannel 1: Mhmm.\n\nChannel 0: through the advice with you. You can have a look at what I'm recommending, how, why, what the advantages, disadvantages, and the risks are. Does that sound\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: okay?\n\nChannel 1: Sean. I sound okay.\n\nChannel 0: Yep. Fantastic. Excellent. Beautiful. So just wanted to go through I'm looking I'm working on the age of 60 for you there as well.\n\nI also wanted to have a bit of a look at the insurances here. So I can see with your insurance cover, you have, at the moment, your life, your TPD, and your income sorry. No no income protection. Just your life and TPD, which is paid out of your super fund. The\n\nChannel 1: Mhmm.\n\nChannel 0: current sum insured is 420,000 there. And with the premium for the year, you actually paid one thousand and forty seven and ninety dollars out of your super fund for that. Just\n\nChannel 1: Mhmm.\n\nChannel 0: to kind of review the insurances with you, if you were to pass away, so looking at life to begin with, what is it that you were sort of hoping to cover? What would you want your life insurance to cover for you?\n\nChannel 1: Because I'm in positive cash flow since\n\nChannel 0: Yeah.\n\nChannel 1: end of last year. So I'm not sure what\n\nChannel 0: Yeah.\n\nChannel 1: to cover. I\n\nChannel 0: That's\n\nChannel 1: don't have\n\nChannel 0: okay.\n\nChannel 1: any children. Yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: And I\n\nChannel 0: okay\n\nChannel 1: have\n\nChannel 0: because\n\nChannel 1: assets,\n\nChannel 0: yeah.\n\nChannel 1: and I have\n\nChannel 0: Mhmm.\n\nChannel 1: savings. So and I have super\n\nChannel 0: Yeah.\n\nChannel 1: I have insurance. So I don't know what to cover. Nothing to cover.\n\nChannel 0: No. That's okay. So I can see here that you do have your investment property in Brisbane. We did\n\nChannel 1: Mhmm.\n\nChannel 0: originally have sorry. Last year, you had a, I believe, a value of 466,000 on that one, and it shows you that you still had a debt owing of about 4,000. Do you still have that loan open?\n\nChannel 1: No. No.\n\nChannel 0: That's\n\nChannel 1: The\n\nChannel 0: all being\n\nChannel 1: the\n\nChannel 0: closed\n\nChannel 1: the\n\nChannel 0: up and paid for? Yep.\n\nChannel 1: no. The the loans, I\n\nChannel 0: Yes.\n\nChannel 1: I still keep the loans, but\n\nChannel 0: Yep.\n\nChannel 1: they they are all balanced about a 100% by the offset account.\n\nChannel 0: Okay. Beautiful. So you technically owe nothing on the loan. This is open and fully offset.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. I've also got down here the I believe you've got a property in Cleveland, a townhouse\n\nChannel 1: Yes.\n\nChannel 0: that your parents are living in. Is that right? And you had a value of 563,000 on that property. Would you keep the value about the same?\n\nChannel 1: There might be day for the property value.\n\nChannel 0: Yeah.\n\nChannel 1: Let me log in to myrealestate.com to see the new evaluation. For\n\nChannel 0: Yeah.\n\nChannel 1: that, would you want me to do that?\n\nChannel 0: That's the one in Cleveland. Yeah.\n\nChannel 1: Only the one in Cleveland.\n\nChannel 0: I'm so sorry. I missed that. Sorry.\n\nChannel 1: You only for the fifth one one?\n\nChannel 0: Oh, we wanna update the values on all the properties just to make sure\n\nChannel 1: Okay.\n\nChannel 0: we have the\n\nChannel 1: Hang\n\nChannel 0: valuations\n\nChannel 1: on.\n\nChannel 0: up to date. Yeah. You're right. That's okay. Take your time.\n\nChannel 1: We start with the Cleveland one.\n\nChannel 0: Yeah.\n\nChannel 1: The high confidence is triple 7,000\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: And the one yep. This is the okay. The other one, the 42 Valley 1, the the unit or apartment, high confidence is 670\n\nChannel 0: Six seventy eight. And so sorry. Was that the Brisbane\n\nChannel 1: eight\n\nChannel 0: property, or was that the other one that was valued at?\n\nChannel 1: Grand. 42 Valley.\n\nChannel 0: I don't have an address on here. I just have a value of $4.66. Would that be the Brisbane investment property that was valued at $4.66?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep.\n\nChannel 1: This is the do you need the address at all?\n\nChannel 0: I might actually just put the suburb down just so I can allocate the difference between the three properties for you to\n\nChannel 1: Yeah.\n\nChannel 0: make it\n\nChannel 1: Yeah.\n\nChannel 0: easier\n\nChannel 1: Yeah.\n\nChannel 0: on you. Yeah.\n\nChannel 1: Yeah. This is at Fortitude Valley, an\n\nChannel 0: Yep.\n\nChannel 1: apartment yeah. The high cost oh, and mid range is 60 678 k.\n\nChannel 0: Yep. Yep.\n\nChannel 1: High range is $7.30 k. I'm not sure which value would you wanna put in.\n\nChannel 0: That's okay.\n\nChannel 1: And\n\nChannel 0: That's not a problem.\n\nChannel 1: the the yeah. The Cleveland one High range is a 40 k.\n\nChannel 0: $8.40.\n\nChannel 1: Mid range is triple 7 k.\n\nChannel 0: Yep. Beautiful. And the last investment property I had here, I don't have a suburb. I'm so, so sorry, but it does have the last valuation was 1,200,000.\n\nChannel 1: Oh,\n\nChannel 0: What\n\nChannel 1: yep.\n\nChannel 0: suburb\n\nChannel 1: That's\n\nChannel 0: is your other\n\nChannel 1: McGregor.\n\nChannel 0: investment? McGregor? Beautiful.\n\nChannel 1: Yeah. That one, mid range, is 1,590,000 now, and high\n\nChannel 0: Wow.\n\nChannel 1: range will be 1.88\n\nChannel 0: Fantastic. Beautiful. Excellent. Thank you for that. And so, realistically, all the properties, you don't owe anything on them.\n\nYou just have the loans open in case you wanna use the funds\n\nChannel 1: million.\n\nChannel 0: again,\n\nChannel 1: Yes.\n\nChannel 0: and you have it fully offset by\n\nChannel 1: Yep.\n\nChannel 0: the offset account. Do you have an offset account for each of them, or is it under one offset account at all across the queue?\n\nChannel 1: Oh, I have the Cleveland one, I have two offset accounts because there there were two\n\nChannel 0: Yep.\n\nChannel 1: loans.\n\nChannel 0: Right.\n\nChannel 1: And the other two properties, one of the account each, yeah,\n\nChannel 0: Okay.\n\nChannel 1: all a 100% offset, and they just putting back the principles to the bank.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And it's, like, automatic payment through the offset accounts, so I don't have to\n\nChannel 0: Yes.\n\nChannel 1: worry about the or\n\nChannel 0: Yeah.\n\nChannel 1: time\n\nChannel 0: Just\n\nChannel 1: due\n\nChannel 0: paying\n\nChannel 1: day\n\nChannel 0: the loan\n\nChannel 1: or\n\nChannel 0: off.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. And I don't wanna pay off them because I will need the I I I might need the, like, the accessibilities to the funds in\n\nChannel 0: Yes.\n\nChannel 1: case then yeah. Any,\n\nChannel 0: Yeah.\n\nChannel 1: like, flexibilities. Yeah.\n\nChannel 0: Yeah. Absolutely. Can I just get you to run through the offset accounts just to give me the balance in each of those just so I can update all of your assets and liabilities here?\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Oh\n\nChannel 0: all.\n\nChannel 1: my. Open my app. Did I\n\nChannel 0: Sorry.\n\nChannel 1: tell you this secret? Did did I tell\n\nChannel 0: Is\n\nChannel 1: you this secret last year?\n\nChannel 0: that no.\n\nChannel 1: No. Oh, okay. Offset\n\nChannel 0: No. We don't we just yeah. Just have it noted down here that it's sort of offset fully. We don't really have the updated values. That's okay.\n\nYeah.\n\nChannel 1: account. Yeah. Yeah. The the two offset accounts balance for the Cleveland property, just roughly 190\n\nChannel 0: Yep. Yep.\n\nChannel 1: 1,000\n\nChannel 0: Yep. Perfect.\n\nChannel 1: for one, and the other is 40,000.\n\nChannel 0: Yep.\n\nChannel 1: And the one for the Fortitude Valley is\n\nChannel 0: Yep.\n\nChannel 1: twin 230,000,\n\nChannel 0: Yep.\n\nChannel 1: and the Mcgrewa one is 218,000.\n\nChannel 0: Beautiful. Lovely. And I'll just make a note here. So just paying the principal back from the offset account and fully offset. So no technically loan.\n\nBeautiful. Excellent. Thank you for updating all those details there for me. So when we kind of look at your insurances and why it's kind of important to update all of your assets and liabilities is because we generally have life and TBD cover. Well, life especially to pay out a lump sum benefits to our beneficiaries if we were to pass away.\n\nChannel 1: Mhmm.\n\nChannel 0: Normally, we have life cover to sorta help our beneficiaries pay off any debts that we have or provide additional income. So having a look, I've got down here that your,\n\nChannel 1: Mhmm.\n\nChannel 0: sorry, your partner is Paul. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Yep. You're not technically married. I've got de facto. Is that correct? If it's wrong, let\n\nChannel 1: Correct.\n\nChannel 0: me know.\n\nChannel 1: Yeah. It's\n\nChannel 0: Beautiful.\n\nChannel 1: still de facto. Yeah.\n\nChannel 0: Beautiful. So if in the event that you have passed away, you have these properties here. And whilst the loans are fully offset, so if anything happened to you, he could realistically use the money, pay out the loans, keep the properties, and generate the income. Do you wanna have any life cover that pays out a lump sum benefit to him? Do you feel like life insurance is still important to you being that you are technically debt free?\n\nYou've got those properties, but you don't have any\n\nChannel 1: I don't I think the beneficiary shouldn't be Paul. Instead, it should be my\n\nChannel 0: loans\n\nChannel 1: mom\n\nChannel 0: open at\n\nChannel 1: because\n\nChannel 0: the moment. So\n\nChannel 1: we are\n\nChannel 0: yeah.\n\nChannel 1: financially a 100 independent. She had he has his own portfolio. He has his own\n\nChannel 0: Yep.\n\nChannel 1: investments.\n\nChannel 0: Yeah.\n\nChannel 1: So we just financially total totally independent.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: That's\n\nChannel 1: can you\n\nChannel 0: okay.\n\nChannel 1: check the beneficiary\n\nChannel 0: Beneficiary?\n\nChannel 1: for my\n\nChannel 0: Yeah.\n\nChannel 1: insurance? Would that\n\nChannel 0: Absolutely.\n\nChannel 1: be my mom?\n\nChannel 0: Awesome. Just having a look to pull that for you now. But under the current legislation, you actually can't nominate your mom as a beneficiary for your insurance policy\n\nChannel 1: Oh.\n\nChannel 0: because she doesn't really fit the criteria, they have a real strict criteria around nominating a beneficiary when insurance policies are held inside super. So there is a way around it. I can definitely help you to get around it. I've\n\nChannel 1: Yeah.\n\nChannel 0: got down here and I'm so sorry. I'm probably gonna say this name.\n\nChannel 1: Is\n\nChannel 0: What's your mom's name? Can I get you to let me know?\n\nChannel 1: it Huazhang, h e o\n\nChannel 0: It\n\nChannel 1: a\n\nChannel 0: is.\n\nChannel 1: n z\n\nChannel 0: Yeah.\n\nChannel 1: h a n g?\n\nChannel 0: Yeah. So at the moment, under the legislation, realistically, a beneficiary needs to be one of four options. It needs to be a spouse, a child, or an other financial dependent. So does your mom rely on you financially? Do you pay her bills, you know, help her to live?\n\nDoes she rely on you financially for everyday living expenses?\n\nChannel 1: It's hard to say. She gave\n\nChannel 0: Yep.\n\nChannel 1: all her money to me, and I managed for\n\nChannel 0: Right. Yep.\n\nChannel 1: her. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. I I I do pay for all the bills, including the accommodation, all the utilities, and the\n\nChannel 0: yeah.\n\nChannel 1: food, daily living in Australia.\n\nChannel 0: Yep.\n\nChannel 1: So all the bills\n\nChannel 0: Right.\n\nChannel 1: paid to\n\nChannel 0: So\n\nChannel 1: me.\n\nChannel 0: real yeah. So because she still gets money and she pays that to you, she's not necessarily seen as\n\nChannel 1: Dependent.\n\nChannel 0: financially dependent on you because you're paying her bills with her money. So the way around this, if you are wanting it to be your mom, you do have another option. On the form, we have what's called a legal personal representative. That essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: if you tick that box, means that if you were to pass away, your life insurance proceeds are directed to your will. And in your will, you just need to nominate in the body of the will or have a solicitor to help you\n\nChannel 1: Mhmm.\n\nChannel 0: that you want the life insurance proceeds to be paid to your mom or if you want a step percentage or however much you want paid to your mom. You just need to have that direction set up in your will. So because\n\nChannel 1: Yep.\n\nChannel 0: the life insurance policies are held inside super, the policy owner is actually the super fund. So AIA are the policy owner, and you're the life insured. And because it is a super policy, they have these not fun rules, and they essentially stipulate who we can and can't nominate as a beneficiary. But there is a way around that. So if you\n\nChannel 1: Mhmm.\n\nChannel 0: like, it would be beneficial to have the beneficiary updated. And we would if you're still wanting your mom, it's absolutely fine. It's more just a matter of ticking that legal personal representative box and a 100% nomination in the percentage line, and then\n\nChannel 1: Mhmm.\n\nChannel 0: having that, redirected to in the event that you passed away to your estate and then making sure your will is updated to reflect that you want that money paid to your mom, essentially. Does that make sense?\n\nChannel 1: Yeah. Sure. I haven't got\n\nChannel 0: Yeah.\n\nChannel 1: time got to my bill yet.\n\nChannel 0: No. That's understandable. Would you like my team to prefill the nomination for you to cover that? Is that what\n\nChannel 1: Yeah. Yes, please.\n\nChannel 0: you yeah. That's okay. We just have to get direction because we're not really allowed to prefill a beneficiary nomination unless you're approving so. But are you happy with us maybe taking that legal\n\nChannel 1: Mhmm.\n\nChannel 0: personal representative and putting a 100% in the percentage box for you and then resending it out to be signed and and sorted to get it\n\nChannel 1: Yeah.\n\nChannel 0: up to date for you and valid? Yeah. Beautiful. Lexham, so I'll get my change to it over the next couple of days. Is it easier, Christie, if they post it to you or email?\n\nWhat's generally easier for you? I can do both if you like.\n\nChannel 1: Can close to my address, 60 Williams Drive.\n\nChannel 0: Yeah. Absolutely. We'll do a post. Not a problem at all. And I can see here your super beneficiary, you have the same thing.\n\nSo it looks like it is your mom, but, again, it she doesn't quite qualify. One of the main things is as much as the super and it looks like the life insurance has accepted the beneficiary nomination. What it comes down to is if you were to pass away, she would have to make a claim against that. And at the time of claim, she has to be able to prove that she is interdependent on you, that she relies on you financially. If she can't prove that, then the super fund and the insurance company come back and go, sorry.\n\nClaim denied. The benefit is not payable, and then it goes through a probate process, which is not really what you want when something like that\n\nChannel 1: No.\n\nChannel 0: happens. Your\n\nChannel 1: No.\n\nChannel 0: your poor mom's going through enough at that point in time. Yeah. So I can do the same thing for your super. Are you wanting your super to be directed to your mom as well in the event of passing?\n\nChannel 1: Yes, please.\n\nChannel 0: Yeah. Absolutely. Are you comfortable with us pre filling the the super nomination out to your legal personal representative as well?\n\nChannel 1: Yes, please.\n\nChannel 0: Yeah. Lovely. And are you happy with me putting a 100% to your legal personal representative so the whole amount goes to your to your will and then directed out that way?\n\nChannel 1: Yes, please.\n\nChannel 0: Yeah. Beautiful. My team will prefill both those documents there. When they do come through, you'll just need to get them signed and witnessed, but we'll have a little cover letter that lets you know. I think one of the most important things is making sure that your wishes are adhered to.\n\nAnd the last thing\n\nChannel 1: Yep.\n\nChannel 0: your poor mom needs is if if you were to pass away, we hope nothing happens. I want you to get to retirement and enjoy your life. But if\n\nChannel 1: Yes.\n\nChannel 0: anything was to happen, the\n\nChannel 1: Yeah.\n\nChannel 0: last thing she needs is going through that hard process and having everyone come back and go, sorry. You don't qualify and making her life a lot harder. So, yeah,\n\nChannel 1: Yeah. That's true.\n\nChannel 0: we we can absolutely help you with that. So you still wanna keep your life cover. Are you happy with the 420,000 that you're insured for keeping at the same at the moment?\n\nChannel 1: What would you think? What's your what are your\n\nChannel 0: Well,\n\nChannel 1: thoughts?\n\nChannel 0: it really just depends on you. I mean, it's more just about what happens to your mom. Can I ask how old is your mom?\n\nChannel 1: My mom is getting she's over 80. She's\n\nChannel 0: Wow.\n\nChannel 1: she's 82 this\n\nChannel 0: Wow. Is she in a in a assisted living facility or living at home?\n\nChannel 1: year. Living at home independently.\n\nChannel 0: Wow. She's doing well. She's doing very well. That's fantastic.\n\nChannel 1: Yes.\n\nChannel 0: So, realistically, do you think if you if you were to pass away having your life insurance and your super, you've got 420,000 of life cover and currently a 153,000 of super\n\nChannel 1: Yes.\n\nChannel 0: there. So that's essentially giving her, what, say, $5.07 573,160 of money. Do you think think that would be comfortable to help her, you know, stay at home longer, pay for, you know, additional\n\nChannel 1: Yes. Of course.\n\nChannel 0: services, or do you think that that might be too much? Or what's your thought?\n\nChannel 1: It doesn't really matter. And it's also the, like, the legacy from her to the next\n\nChannel 0: Yeah.\n\nChannel 1: next generation too.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: She could. Yeah. She I mean, if she's in her eighties and doesn't spend all of that and doesn't do much, she can also then leave that in her will to, you know, her grandkids or whoever she wants to have that\n\nChannel 1: Mhmm.\n\nChannel 0: left to as well after So that's absolutely fine. Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. Just like well, this this money are not for myself. This was\n\nChannel 0: Yeah.\n\nChannel 1: my\n\nChannel 0: Absolutely.\n\nChannel 1: maybe my niece and nephews.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So doesn't really worry me too much.\n\nChannel 0: No. That's absolutely fine. You've\n\nChannel 1: Yeah.\n\nChannel 0: also got some total permanent disability there. So total permanent disability can pay out either a lump sum in sorry. A lump sum benefit or an income stream. Stream. If you're fully disabled and unable to go to accident, so unable to go back to work ever again.\n\nSo think with TBD that you maybe broke your back or had a car accident and you were just never able to work again. This\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: can pay at a lump sum benefit or an income stream. Now TBD, if you claim and you're 60, is actually taxed. It's unfortunately taxed, and it can be taxed up to 22%. If you work a claim on TBD, we as advisers would help by providing advice to help limit that tax consequence. But\n\nChannel 1: Mhmm.\n\nChannel 0: because realistically, if you were TBD, looking at your circumstances, you could use the, you know, the funds that you have in the offset accounts, pay off all those properties, close the loans completely, you could then draw income from each of those properties. I know your mom's living in the Cleveland property at the moment, but\n\nChannel 1: Yes.\n\nChannel 0: the other properties do obviously provide income there. Do you think the additional 420,000 in CBD is sufficient? Do you are you happy with that level of cover? Do you think you might need more or less?\n\nChannel 1: I think\n\nChannel 0: It's\n\nChannel 1: it's hard to say. Yeah. Well, I I need I don't need to pay out of pocket for it, or it's it came it comes from my super.\n\nChannel 0: hard.\n\nChannel 1: Right?\n\nChannel 0: It's it's paid for out of your super. Yeah. Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: And,\n\nChannel 1: Out\n\nChannel 0: look,\n\nChannel 1: of\n\nChannel 0: you\n\nChannel 1: my\n\nChannel 0: don't pay\n\nChannel 1: supers.\n\nChannel 0: a lot for it. Yeah. But if we had a bit of a look, like, if I because your income at the moment, I've got you earning about $66,003.94. Is that still accurate, or has your income changed\n\nChannel 1: No.\n\nChannel 0: a little\n\nChannel 1: My income has changed because\n\nChannel 0: bit?\n\nChannel 1: I\n\nChannel 0: Okay.\n\nChannel 1: as we talked last\n\nChannel 0: Yeah.\n\nChannel 1: time, yeah, about\n\nChannel 0: Yeah.\n\nChannel 1: the the the super contribution, I originally actually changed my business structure from sole trader to proprietary limited.\n\nChannel 0: Yeah. Yeah. You mentioned that. Yep. And\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Yeah.\n\nChannel 0: income\n\nChannel 1: Yeah.\n\nChannel 0: was changing a little bit with\n\nChannel 1: Yeah. So my income level\n\nChannel 0: that.\n\nChannel 1: should be\n\nChannel 0: Yeah.\n\nChannel 1: increased to, say,\n\nChannel 0: Definitely.\n\nChannel 1: between $1,010,000 to 20,000 per month.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Well, just, say, put in the, like, a smaller end, like,\n\nChannel 0: Yep.\n\nChannel 1: 10,000, like,\n\nChannel 0: Yep.\n\nChannel 1: more conservative\n\nChannel 0: Yeah.\n\nChannel 1: for for a whole year. It's just for for my my business income.\n\nChannel 0: Yeah. It's growing. It's\n\nChannel 1: And then\n\nChannel 0: doing really well.\n\nChannel 1: oh, yeah. I don't want to work so hard. And also the the passive income from the two investment properties, yeah, the rents have been increased too. And\n\nChannel 0: Yes.\n\nChannel 1: there's\n\nChannel 0: Okay.\n\nChannel 1: no not much interest to offset negative\n\nChannel 0: No.\n\nChannel 1: gearing. No.\n\nChannel 0: Yeah.\n\nChannel 1: So it's they they have become positive\n\nChannel 0: Positively\n\nChannel 1: income.\n\nChannel 0: good. Yeah.\n\nChannel 1: Yeah. So that's why I had to change the business structure in a hurry.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Yeah. No. That's okay. That's completely fine and understandable.\n\nSo with the 120,000 we're estimating your income to be at, is that including the income from the income from the investment properties?\n\nChannel 1: No. No. Purity\n\nChannel 0: That's on\n\nChannel 1: from\n\nChannel 0: that'll be\n\nChannel 1: the\n\nChannel 0: on\n\nChannel 1: business.\n\nChannel 0: top of that. Yeah. Okay.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Lovely. Excellent. So with the income from the investment properties there, how much do you estimate you're probably getting from those alone on\n\nChannel 1: From those properties?\n\nChannel 0: yeah. Yeah.\n\nChannel 1: You mean the rental income?\n\nChannel 0: Yeah.\n\nChannel 1: Currently, the 42 Valley Valley one, the weekly rental is $6.30,\n\nChannel 0: Mhmm.\n\nChannel 1: and the one at McGregor is $8.90.\n\nChannel 0: Okay. Beautiful. So when you sort of have a look at that, that's giving you and it's positive income flow as much as it means more tax for yourself. It's good that they're getting income. So we're $8.90 and $6.30.\n\nSo it's about $1,500 per week from those. So if you sort of had to think about being TBD, so permanently disabled and never able to go back to work and, you know, be self employed doing your job again, your investment properties are currently, you\n\nChannel 1: Mhmm.\n\nChannel 0: know, say times that by a year. It's about 79,000 per year.\n\nChannel 1: Yes.\n\nChannel 0: If you then got your, say, how much do you do you think you would need to keep that $120,000 income if you were not working, if you weren't able to do your employment? Do your living expenses kind of equate to that, do you think, or do you think you'd be able to live on a\n\nChannel 1: Yeah. I think I basically can live on the passive passive income on the rentals. Yeah.\n\nChannel 0: like, roughly, give or take, about $79,000 per year there from that's rental income alone. If you were unable to go back to work, you can you do have the option with the TBD. We also claim TBD against your super so you can have that released. That's another, well, $573,001.63 you could get released for additional\n\nChannel 1: Mhmm.\n\nChannel 0: income or buffers, you know, for yourself to support yourself.\n\nChannel 1: Yes.\n\nChannel 0: And then you've also got that, you know, 79,000 of rental income coming for those properties as well. Do you feel like that would be sufficient? Do you feel like TPD is important to keep for the time being, or would you rather look at canceling your TPD knowing that your rental income would be sufficient if you were not able to work to work anymore? What do\n\nChannel 1: Just\n\nChannel 0: you think?\n\nChannel 1: keep\n\nChannel 0: How\n\nChannel 1: it.\n\nChannel 0: do you feel? Just\n\nChannel 1: Yeah.\n\nChannel 0: keep\n\nChannel 1: Just\n\nChannel 0: it?\n\nChannel 1: keep\n\nChannel 0: Yep.\n\nChannel 1: it. Just keep it.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Peace of mind.\n\nChannel 0: It's, yeah, it's a bit of a tough one, but it's more just about looking at what your goals are, trying to work out how what your circumstances are, whether the insurance you're paying for is appropriate, whether you wanna keep it, and what the outcome could look like if something was to happen. What does the payout look like? How could this support you, and would it be a good enough buffer for you as well?\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Or if if you didn't have it, what do you, you know, what do you receive income wise, and does that give you enough income as well? Because living expenses increase. Life gets expensive.\n\nChannel 1: Mhmm.\n\nChannel 0: And there is also the chance I mean, your rental properties are doing really well, and, you know, you might have them occupied really well all the time, but there might be a chance in the future where they're unoccupied for a certain point of time. So, I\n\nChannel 1: Yeah.\n\nChannel 0: mean, having some CBD could provide you with a bit of a buffer if they were unoccupied and there was no rent coming from one or two of those for a short period of time. So it's about just assessing risks and goals and making sure that the cover you have is appropriate to you.\n\nChannel 1: Yep.\n\nChannel 0: In\n\nChannel 1: Yep.\n\nChannel 0: saying that, by the age of 60, if anything happens and you're fully retired, realistically, we shouldn't need any more insurances. We should be able to, if we're not working, retire, take our super, not need insurances, and save that money on premiums\n\nChannel 1: Yes.\n\nChannel 0: as well.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Okay. Does that make sense? Do you have any questions? I know I've gone through quite a bit with the insurances and talked a lot about them, but do you have any questions? Did you want me to break anything more down for you?\n\nChannel 1: I think that's okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: yeah. Thank\n\nChannel 0: You\n\nChannel 1: you.\n\nChannel 0: don't that's alright. You don't have any income protection at all, Christie, but, obviously,\n\nChannel 1: No.\n\nChannel 0: with your self employed business, it's doing really well. You're a company now as well, and you do have your rental income that is sufficient income wise. You don't wanna apply or look for any new insurances. You know, realistically, you don't technically need income protection at the moment because if you were not working in your business, your rental income still does provide. And you are a company\n\nChannel 1: Yeah.\n\nChannel 0: now as well, so you might still be able to draw income out if there's extra money in the business as well. Are you comfortable with not having any income protection? Did you wanna look at anything additional insurance\n\nChannel 1: Yeah. I thought about this income protection insurance, but it seems we might have discussed this last year as well.\n\nChannel 0: wise? Yep.\n\nChannel 1: And it doesn't seem the income protection insurance will do me, like, will help me too much.\n\nChannel 0: No. No. The biggest\n\nChannel 1: No.\n\nChannel 0: thing with income protection is with essentially, in order to claim, they're gonna then provide, mean, you can obtain it and apply for it absolutely fine. They'll you can apply for income protection for up to 70% of your monthly income, so 70% of your, say, 120,000 there. But, essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: if you were to then claim because you have your rental income coming in, they'll ask you to provide payslips, but they'll then also ask you to provide tax information showing the rental properties, the income you have done coming in. And they essentially take the amount you're covered for, what you're eligible to claim, and they look at what other income you come have coming in to offset that. So if your rental properties are paying enough income that, you know, offsets majority of your protection policy, then they're realistically not gonna claim.\n\nChannel 1: Oh.\n\nChannel 0: So essentially yeah. So it does make it very difficult because any income protection claim that you make, they will offset by any other income coming in. They look at whether you've got income from self employed that you can be receiving when you're off work, whether you have rental property income that's coming in, like the rent you have coming in. And they do offset or, you know, reduce the amount you're able to receive by the payments or able to get on a regular basis as income. So there is a chance or a risk that you may not be able to claim the full amount that you can be paying for essentially, which\n\nChannel 1: Oh, yeah.\n\nChannel 0: probably\n\nChannel 1: So\n\nChannel 0: makes\n\nChannel 1: that\n\nChannel 0: the premiums\n\nChannel 1: doesn't\n\nChannel 0: not\n\nChannel 1: yeah.\n\nChannel 0: worth\n\nChannel 1: It\n\nChannel 0: it.\n\nChannel 1: doesn't make sense to me. It doesn't\n\nChannel 0: Yeah.\n\nChannel 1: accept that I'm paying the same premium\n\nChannel 0: Yeah.\n\nChannel 1: but not getting the benefits.\n\nChannel 0: That's exactly right. And that's probably one of the biggest things is you do pay a lot of money for insurances. So you wanna be able to claim on them. But, I mean, look, your position isn't bad because as you said, your your rental income positively gears with your properties there. So if you weren't able to go to work, and we certainly hope nothing happens.\n\nWe don't want you to be off work and claiming, but it does obviously show that your rental properties would still provide some income. So you do have a a bit of backup there and can still survive and pay bills and things like that.\n\nChannel 1: Yeah. That's\n\nChannel 0: That.\n\nChannel 1: true. Especially, they are\n\nChannel 0: Yeah.\n\nChannel 1: all positive income. I don't need to pay the\n\nChannel 0: Absolutely.\n\nChannel 1: the interest.\n\nChannel 0: Yeah. Yeah. Absolutely. And\n\nChannel 1: Yep.\n\nChannel 0: can I just ask I can see because you do have the three rental properties here here at the moment? The property that you're living in, is that owned by yourself, your partner, or is that a rental property you're living in currently, your main primary residence?\n\nChannel 1: 60 Woodland Drive is my partner's family trust, I think.\n\nChannel 0: Right. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah. Yeah. So I I live here\n\nChannel 0: Beautiful.\n\nChannel 1: for free, of course.\n\nChannel 0: That's okay. Absolutely. I'm sure you give plenty back to the relationship. No. All good.\n\nAnd you do have a trauma policy here that you are paying for out of pocket. It does give you a lump sum tax free benefit in the event of a major traumatic diagnosis, say things like cancers, heart attacks, strokes,\n\nChannel 1: Yep.\n\nChannel 0: things like that.\n\nChannel 1: Yep.\n\nChannel 0: The the current benefit you have is 66,336 and 90¢. Are you happy with the trauma policy you have? Did you wanna look at altering that? Are you happy with the way it\n\nChannel 1: I don't know. What what's your advice?\n\nChannel 0: is? Well, it really just depends on what your goals are, what what happens. So, realistically, with the trauma policy, if you were to say be diagnosed with, say, a cancer or you had a heart attack or a stroke,\n\nChannel 1: Mhmm.\n\nChannel 0: if you claim claimed on the trauma policy, it would, at the moment, pay out a lump sum benefit of $66,336.90. That is paid directly to you. It is tax free. It is a\n\nChannel 1: Mhmm.\n\nChannel 0: very quick payment to receive.\n\nChannel 1: Mhmm.\n\nChannel 0: You could be using that to, you know, continue, you know, paying bills, looking after yourself, include that with the rental income that you are receiving to kind of, you know, support yourself a little bit longer if you're unable to get it back to work or if you just need extra support while you're not working. We could look at increasing the trauma policy if you wanted to because realistically, income protection may not work for your circumstances,\n\nChannel 1: Mhmm.\n\nChannel 0: you can also claim trauma. This it's made just a major diagnosis. So if you broke a leg or, you know, hurt your back or something, you can't claim on trauma for those purposes. But a major diagnosis, it can be used instead of income protection. There is the risk, though, that if you, you know because with income protection, you could claim if you broke a leg or broke a back or something like that.\n\nSo there are risks that you may not be able to claim on the policy, but it just comes down to the level of cover you have and what you're paying. You're paying $50 a month for the trauma policy out of pocket. Do you feel like the level of cover you have is enough for what you might want to give you a buffer before going back to work or to help support yourself to give you a bit of extra funds with your rental income if you, you know, were diagnosed with cancer or had a heart attack or a stroke or Parkinson's, say? How do you feel about the level of cover? You know, does it mean much to you?\n\nDo you wanna review it? Talk more about what what you'd wanna pay for a cover. It's a difficult one. I know. I'm sorry.\n\nChannel 1: How much am I paying per month?\n\nChannel 0: Yeah. $52.73 per month for it out of your back\n\nChannel 1: I'm sorry. Can you say that again?\n\nChannel 0: pocket. Yeah. $52.73\n\nChannel 1: Oh, fifty.\n\nChannel 0: per month. Yeah.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: So it's\n\nChannel 1: It's\n\nChannel 0: about $632 per\n\nChannel 1: yeah. Can you review this trauma\n\nChannel 0: year.\n\nChannel 1: policy for me and give me\n\nChannel 0: Yeah.\n\nChannel 1: a recommendation?\n\nChannel 0: Yeah. Did you just wanna look at maybe a cheaper policy for the same level of cover, or did you wanna what sort of recommendation were you after?\n\nChannel 1: Maybe\n\nChannel 0: Do\n\nChannel 1: higher\n\nChannel 0: you see\n\nChannel 1: benefits.\n\nChannel 0: yeah.\n\nChannel 1: Better benefits.\n\nChannel 0: Yeah. If, yeah, if you were to say if you were to say be diagnosed with a major traumatic illness or injury, like you had cancer or a heart attack or something,\n\nChannel 1: Mhmm.\n\nChannel 0: what what do you think you might need to receive from trauma? Do you think you wanna maybe cover one year's worth of gross income from your business, or do you think you wanna maybe cover yourself for two or three or five years worth of income from your business? How much do you feel like you might need in the event of something happening?\n\nChannel 1: Maybe just cover one year. Yep.\n\nChannel 0: One full year, so about 120,000. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Obviously, when we increase trauma, the cost of that is increasing as well.\n\nChannel 1: Yep.\n\nChannel 0: I can't so I'll make a recommendation in the in the advice document as to whether we increase the current policy or increase with another provider.\n\nChannel 1: Mhmm.\n\nChannel 0: Is there a certain amount of dollar figure that you would be comfortable paying, or are you happy just to look at the increase and what that costs to make that decision for yourself?\n\nChannel 1: Can I have the, like, options for comparison?\n\nChannel 0: Well, what we do as part of the advice is we make a recommendation with one product. So we go out there, review all the different options, and then we make a recommendation and show you what the cost is. Generally speaking, yeah, I can look at a new provider, which is absolutely fine,\n\nChannel 1: Yes.\n\nChannel 0: but you do have to when you increase the policy, you have to go back to a new application again. So they're gonna wanna have a look at your health, see whether there's\n\nChannel 1: Mhmm.\n\nChannel 0: been any changes in your health from when you last completed an application for insurances. If there has been changes, if your health has changed, If there has been changes, if your health has changed, like you've had, you know, an issue with your shoulder or your back or something, there could be loadings or exclusions\n\nChannel 1: Mhmm.\n\nChannel 0: added to the new part of the policy. But the benefits to increasing with your current provider is that anything that's changed in your health only gets added to the new part of the policy. The older part stays the same. There's no underwriting or changes to the policy that's already in place. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yeah. Nothing\n\nChannel 0: Yeah.\n\nChannel 1: happened to my health except put on a few kilos.\n\nChannel 0: Few kilos? Well,\n\nChannel 1: Put on\n\nChannel 0: I'm\n\nChannel 1: weight.\n\nChannel 0: that's under that's understandable. That's okay. Just double checking. Is there can I grab do you know what your height and weight is at the moment, roughly?\n\nChannel 1: My height\n\nChannel 0: Guesstimate\n\nChannel 1: is\n\nChannel 0: one.\n\nChannel 1: about six a hundred sixty four.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: My weight is around sixty nine kilos.\n\nChannel 0: Sixty nine kilos. Beautiful. Lovely. I'm just quickly pulling up a bit of a quick pre assessment here. I just wanted to run through that with you really quickly just to see whether there's anything that might flag on any increase of a trauma policy that we might need to be aware of prior to looking at it.\n\nChannel 1: Yep.\n\nChannel 0: It just helps me to understand what what might be offered to you there. Now\n\nChannel 1: Sure.\n\nChannel 0: I've got your income and employment details. That's absolutely fine. How long have you been self employed? For how many years have you technically been self employed?","paragraphs":[{"sentences":[{"text":"You record your name and reason for calling.","start":0.16,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.01097553875297308},{"text":"I'll see if this person is available.","start":2.3999999,"end":4.26,"sentiment":"neutral","sentiment_score":0.011723716743290424}],"sentiment":"neutral","sentiment_score":0.01132468848178784,"channel":1,"num_words":15,"start":0.16,"end":4.26},{"sentences":[{"text":"Dana, Okey Financial.","start":8.8,"end":10.179999,"sentiment":"neutral","sentiment_score":0.027049216752250988},{"text":"Hi,","start":12.015,"end":12.515,"sentiment":"neutral","sentiment_score":0.19893446564674375}],"sentiment":"neutral","sentiment_score":0.07002052897587419,"channel":0,"num_words":4,"start":8.8,"end":12.515},{"sentences":[{"text":"Thanks.","start":14.88,"end":15.38,"sentiment":"positive","sentiment_score":0.4735629856586456}],"sentiment":"positive","sentiment_score":0.4735629856586456,"channel":1,"num_words":1,"start":14.88,"end":15.38},{"sentences":[{"text":"Christie.","start":15.033751,"end":15.533751,"sentiment":"neutral","sentiment_score":0.17475511133670807}],"sentiment":"neutral","sentiment_score":0.17475511133670807,"channel":0,"num_words":1,"start":15.033751,"end":15.533751},{"sentences":[{"text":"Please stay on the line.","start":15.735,"end":17.115,"sentiment":"neutral","sentiment_score":0.22072239816188813}],"sentiment":"neutral","sentiment_score":0.22072239816188813,"channel":1,"num_words":5,"start":15.735,"end":17.115},{"sentences":[{"text":"It's","start":18.0525,"end":18.5525,"sentiment":"neutral","sentiment_score":0.2666405737400055}],"sentiment":"neutral","sentiment_score":0.2666405737400055,"channel":0,"num_words":1,"start":18.0525,"end":18.5525},{"sentences":[{"text":"Good afternoon.","start":20.295,"end":21.035,"sentiment":"positive","sentiment_score":0.335675448179245}],"sentiment":"positive","sentiment_score":0.335675448179245,"channel":1,"num_words":2,"start":20.295,"end":21.035},{"sentences":[{"text":"Dana","start":21.07125,"end":21.57125,"sentiment":"neutral","sentiment_score":0.14994484186172485}],"sentiment":"neutral","sentiment_score":0.14994484186172485,"channel":0,"num_words":1,"start":21.07125,"end":21.57125},{"sentences":[{"text":"Christie speaking.","start":21.255,"end":22.235,"sentiment":"neutral","sentiment_score":0.17827524989843369}],"sentiment":"neutral","sentiment_score":0.17827524989843369,"channel":1,"num_words":2,"start":21.255,"end":22.235},{"sentences":[{"text":"OQ Financial.","start":24.09,"end":24.99,"sentiment":"neutral","sentiment_score":0.16902783513069153},{"text":"How are you today?","start":25.05,"end":26.11,"sentiment":"neutral","sentiment_score":0.21887008473277092}],"sentiment":"neutral","sentiment_score":0.2022560015320778,"channel":0,"num_words":6,"start":24.09,"end":26.11},{"sentences":[{"text":"I'm very well.","start":26.535,"end":27.755,"sentiment":"positive","sentiment_score":0.5397090911865234},{"text":"Yourself?","start":27.895,"end":28.395,"sentiment":"neutral","sentiment_score":0.3299961984157562}],"sentiment":"positive","sentiment_score":0.48728086799383163,"channel":1,"num_words":4,"start":26.535,"end":28.395},{"sentences":[{"text":"I'm very well.","start":29.05,"end":29.93,"sentiment":"positive","sentiment_score":0.5523266593615214},{"text":"Thank you.","start":29.93,"end":30.33,"sentiment":"positive","sentiment_score":0.6352348923683167},{"text":"Thanks for asking.","start":30.33,"end":31.39,"sentiment":"positive","sentiment_score":0.6044360796610514},{"text":"How's your day been so far?","start":31.45,"end":33.23,"sentiment":"neutral","sentiment_score":0.25531789163748425}],"sentiment":"positive","sentiment_score":0.4480475251163755,"channel":0,"num_words":14,"start":29.05,"end":33.23},{"sentences":[{"text":"So far, so good.","start":35.5,"end":36.96,"sentiment":"positive","sentiment_score":0.5795750543475151}],"sentiment":"positive","sentiment_score":0.5795750543475151,"channel":1,"num_words":4,"start":35.5,"end":36.96},{"sentences":[{"text":"That is excellent.","start":38.41,"end":39.585003,"sentiment":"positive","sentiment_score":0.7739486296971639},{"text":"I'm have you booked in to go through your annual review?","start":40.445,"end":42.525,"sentiment":"neutral","sentiment_score":0.2565639452500777},{"text":"Is now still a good time there for you?","start":42.525,"end":44.705,"sentiment":"neutral","sentiment_score":0.2243570304579205}],"sentiment":"neutral","sentiment_score":0.31144619830276654,"channel":0,"num_words":23,"start":38.41,"end":44.705},{"sentences":[{"text":"Yes.","start":44.925,"end":45.324997,"sentiment":"neutral","sentiment_score":0.14242300391197205},{"text":"Yes.","start":45.324997,"end":45.824997,"sentiment":"neutral","sentiment_score":0.2449883818626404}],"sentiment":"neutral","sentiment_score":0.1937056928873062,"channel":1,"num_words":2,"start":44.925,"end":45.824997},{"sentences":[{"text":"Fantastic.","start":46.605,"end":47.105,"sentiment":"positive","sentiment_score":0.5939037799835205},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality quality and training purposes.","start":47.645,"end":52.23,"sentiment":"neutral","sentiment_score":0.16483497856692833},{"text":"Are you happy for me to proceed with that?","start":52.23,"end":54.17,"sentiment":"neutral","sentiment_score":0.21248941289054024}],"sentiment":"neutral","sentiment_score":0.1916461882647127,"channel":0,"num_words":32,"start":46.605,"end":54.17},{"sentences":[{"text":"Yes.","start":54.445,"end":54.945,"sentiment":"neutral","sentiment_score":0.09578277170658112},{"text":"Not a problem.","start":55.004997,"end":55.824997,"sentiment":"neutral","sentiment_score":0.2529983123143514}],"sentiment":"neutral","sentiment_score":0.21369442716240883,"channel":1,"num_words":4,"start":54.445,"end":55.824997},{"sentences":[{"text":"Fantastic.","start":56.789997,"end":57.289997,"sentiment":"positive","sentiment_score":0.5479960441589355},{"text":"And you've sorry.","start":58.07,"end":59.269997,"sentiment":"neutral","sentiment_score":0.16861364245414734},{"text":"Also, this is a security day with you as well.","start":59.269997,"end":61.19,"sentiment":"neutral","sentiment_score":0.1020111732184887},{"text":"I'll just need to confirm your full name, your date of birth, and address I should have on file just to see how to discuss your personal information.","start":61.19,"end":66.935,"sentiment":"neutral","sentiment_score":0.0697260754449027}],"sentiment":"neutral","sentiment_score":0.09586378133722714,"channel":0,"num_words":42,"start":56.789997,"end":66.935},{"sentences":[{"text":"Yes.","start":67.44,"end":67.94,"sentiment":"neutral","sentiment_score":0.02850819006562233},{"text":"My full name is j I e l I u.","start":68.16,"end":70.740005,"sentiment":"neutral","sentiment_score":0.022578465379774572}],"sentiment":"neutral","sentiment_score":0.023117531260306187,"channel":1,"num_words":11,"start":67.44,"end":70.740005},{"sentences":[{"text":"Yep.","start":71.315,"end":71.815,"sentiment":"neutral","sentiment_score":0.013377701863646507}],"sentiment":"neutral","sentiment_score":0.013377701863646507,"channel":0,"num_words":1,"start":71.315,"end":71.815},{"sentences":[{"text":"10/29/1973.","start":71.825005,"end":75.44501,"sentiment":"neutral","sentiment_score":0.011726649478077888},{"text":"60 Williams Drive, Thorndon, Queensland 4164.","start":75.985,"end":80.325005,"sentiment":"neutral","sentiment_score":0.02029982830087344}],"sentiment":"neutral","sentiment_score":0.019075088469045504,"channel":1,"num_words":7,"start":71.825005,"end":80.325005},{"sentences":[{"text":"Fantastic.","start":81.48,"end":81.98,"sentiment":"positive","sentiment_score":0.5733152031898499},{"text":"Thank you so much for that.","start":82.28,"end":83.9,"sentiment":"positive","sentiment_score":0.5295271277427673},{"text":"So I do apologize.","start":84.12,"end":85.24,"sentiment":"neutral","sentiment_score":-0.08125003427267075},{"text":"I know I had you booked in last week to go to your annual review last Monday.","start":85.24,"end":88.36,"sentiment":"neutral","sentiment_score":-0.021603335900341764},{"text":"Unfortunately, I was a bit unwell.","start":88.36,"end":89.82,"sentiment":"negative","sentiment_score":-0.389656737446785}],"sentiment":"neutral","sentiment_score":0.02118472639909562,"channel":0,"num_words":34,"start":81.48,"end":89.82},{"sentences":[{"text":"Hurt my back, so I wasn't able to be at work.","start":89.835,"end":91.915,"sentiment":"neutral","sentiment_score":-0.3321838514371352},{"text":"So I do apologize for rescheduling that one on you.","start":91.915,"end":94.815,"sentiment":"neutral","sentiment_score":-0.22436396032571793}],"sentiment":"neutral","sentiment_score":-0.2808410461459841,"channel":0,"num_words":21,"start":89.835,"end":94.815},{"sentences":[{"text":"Oh, that's alright.","start":94.770004,"end":95.91,"sentiment":"neutral","sentiment_score":0.0013664268578092258}],"sentiment":"neutral","sentiment_score":0.0013664268578092258,"channel":1,"num_words":3,"start":94.770004,"end":95.91},{"sentences":[{"text":"Oh,","start":97.674995,"end":97.915,"sentiment":"neutral","sentiment_score":0.10182400047779085}],"sentiment":"neutral","sentiment_score":0.10182400047779085,"channel":0,"num_words":1,"start":97.674995,"end":97.915},{"sentences":[{"text":"Hope","start":97.89,"end":98.130005,"sentiment":"neutral","sentiment_score":0.2442835122346878}],"sentiment":"neutral","sentiment_score":0.2442835122346878,"channel":1,"num_words":1,"start":97.89,"end":98.130005},{"sentences":[{"text":"good.","start":97.915,"end":98.155,"sentiment":"neutral","sentiment_score":0.17329402267932892}],"sentiment":"neutral","sentiment_score":0.17329402267932892,"channel":0,"num_words":1,"start":97.915,"end":98.155},{"sentences":[{"text":"you","start":98.130005,"end":98.630005,"sentiment":"neutral","sentiment_score":0.09638334810733797}],"sentiment":"neutral","sentiment_score":0.09638334810733797,"channel":1,"num_words":1,"start":98.130005,"end":98.630005},{"sentences":[{"text":"Well, let","start":98.155,"end":98.635,"sentiment":"neutral","sentiment_score":0.10830532386898994}],"sentiment":"neutral","sentiment_score":0.10830532386898994,"channel":0,"num_words":2,"start":98.155,"end":98.635},{"sentences":[{"text":"recovered.","start":99.17,"end":99.67,"sentiment":"neutral","sentiment_score":0.07361148297786713}],"sentiment":"neutral","sentiment_score":0.07361148297786713,"channel":1,"num_words":1,"start":99.17,"end":99.67},{"sentences":[{"text":"oh, thank you.","start":100.635,"end":101.275,"sentiment":"neutral","sentiment_score":0.06959621856609981},{"text":"One of the things one of the aspects of getting older.","start":101.275,"end":103.47,"sentiment":"neutral","sentiment_score":-0.11202980103817853},{"text":"We break down a little bit, unfortunately.","start":103.55,"end":105.17,"sentiment":"neutral","sentiment_score":-0.31891088613442015}],"sentiment":"neutral","sentiment_score":-0.1550435885077431,"channel":0,"num_words":21,"start":100.635,"end":105.17},{"sentences":[{"text":"That's no good.","start":107.284996,"end":108.34499,"sentiment":"negative","sentiment_score":-0.40807704130808514}],"sentiment":"negative","sentiment_score":-0.40807704130808514,"channel":1,"num_words":3,"start":107.284996,"end":108.34499},{"sentences":[{"text":"No.","start":109.23,"end":109.73,"sentiment":"neutral","sentiment_score":-0.1872023344039917},{"text":"All good, Christie.","start":109.950005,"end":110.99,"sentiment":"neutral","sentiment_score":0.016005709767341614},{"text":"Now I can see you did put your contribution in, which is fantastic.","start":110.99,"end":114.05,"sentiment":"positive","sentiment_score":0.38707414957193226},{"text":"So your contributions for this financial year are now up to 30,000 for the 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I","start":131.955,"end":134.535,"sentiment":"neutral","sentiment_score":0.07525897026062012}],"sentiment":"neutral","sentiment_score":0.07525897026062012,"channel":1,"num_words":7,"start":131.955,"end":134.535},{"sentences":[{"text":"Yeah.","start":134.59999,"end":135.09999,"sentiment":"neutral","sentiment_score":0.08562470972537994},{"text":"You don't have to sign one anymore.","start":135.23999,"end":136.68,"sentiment":"neutral","sentiment_score":0.007523098162242344},{"text":"We already already submitted it.","start":136.68,"end":138.28,"sentiment":"neutral","sentiment_score":0.16872844994068145},{"text":"So with 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79¢.","start":227.11,"end":234.535,"sentiment":"neutral","sentiment_score":0.07058824297900383},{"text":"Your","start":235.07501,"end":235.315,"sentiment":"neutral","sentiment_score":0.07254219055175781}],"sentiment":"neutral","sentiment_score":0.07072781066277198,"channel":0,"num_words":15,"start":227.11,"end":235.315},{"sentences":[{"text":"Mhmm.","start":235.20999,"end":235.70999,"sentiment":"neutral","sentiment_score":0.08533339947462082}],"sentiment":"neutral","sentiment_score":0.08533339947462082,"channel":1,"num_words":1,"start":235.20999,"end":235.70999},{"sentences":[{"text":"balance this year were upwards of a $153,001.63 and 2¢ there.","start":235.315,"end":240.99501,"sentiment":"neutral","sentiment_score":0.10254493355751038},{"text":"So, obviously, 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well.","start":325.69,"end":332.16998,"sentiment":"neutral","sentiment_score":0.33083845983291493},{"text":"Okay?","start":332.16998,"end":332.66998,"sentiment":"neutral","sentiment_score":0.07089881598949432}],"sentiment":"neutral","sentiment_score":0.32217380503813425,"channel":0,"num_words":30,"start":325.69,"end":332.66998},{"sentences":[{"text":"Yep.","start":333.125,"end":333.605,"sentiment":"neutral","sentiment_score":0.11550667136907578},{"text":"Sure.","start":333.605,"end":334.105,"sentiment":"neutral","sentiment_score":0.23741942644119263}],"sentiment":"neutral","sentiment_score":0.1764630489051342,"channel":1,"num_words":2,"start":333.125,"end":334.105},{"sentences":[{"text":"Beautiful.","start":334.97,"end":335.47,"sentiment":"positive","sentiment_score":0.42881691455841064},{"text":"I did have a little bit of a look at the underlying investments there.","start":336.33,"end":339.32498,"sentiment":"neutral","sentiment_score":0.16870641256017344},{"text":"As I kinda mentioned, everything's been doing quite well.","start":339.32498,"end":341.56497,"sentiment":"neutral","sentiment_score":0.2106040252579583},{"text":"There is this one investment within your portfolio that looks like it has sort of underperformed a little bit.","start":341.56497,"end":347.16498,"sentiment":"neutral","sentiment_score":0.01857073899162443},{"text":"It hasn't sort of held your portfolio back in any way this year.","start":347.16498,"end":350.705,"sentiment":"neutral","sentiment_score":-0.09900670298016988}],"sentiment":"neutral","sentiment_score":0.06699821106823427,"channel":0,"num_words":56,"start":334.97,"end":350.705},{"sentences":[{"text":"But you've got the Australian Equities.","start":351.085,"end":353.14,"sentiment":"neutral","sentiment_score":0.051915932446718216},{"text":"Do you look at your super fund or look at have 24 very often, Christie?","start":353.14,"end":356.6,"sentiment":"neutral","sentiment_score":0.0021172345460702974}],"sentiment":"neutral","sentiment_score":0.016345433946255417,"channel":0,"num_words":21,"start":351.085,"end":356.6},{"sentences":[{"text":"I don't really check my super funds quite often.","start":358.98502,"end":363.005,"sentiment":"neutral","sentiment_score":-0.06409380750523673}],"sentiment":"neutral","sentiment_score":-0.06409380750523673,"channel":1,"num_words":9,"start":358.98502,"end":363.005},{"sentences":[{"text":"No.","start":363.78,"end":364.28,"sentiment":"neutral","sentiment_score":-0.06759332120418549},{"text":"That's okay.","start":364.34,"end":365.24002,"sentiment":"neutral","sentiment_score":-0.026258674450218678},{"text":"Is 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manager of Van Along is trying to outperform against the market.","start":398.995,"end":404.135,"sentiment":"neutral","sentiment_score":0.13583513029984065},{"text":"They're trying to buy and sell and pick the top and the bottom and pick their way in to and outperform against the benchmark or the market, essentially.","start":404.67502,"end":411.91,"sentiment":"neutral","sentiment_score":0.09449440081204687}],"sentiment":"neutral","sentiment_score":0.1082746439746448,"channel":0,"num_words":42,"start":398.995,"end":411.91},{"sentences":[{"text":"Mhmm.","start":412.125,"end":412.625,"sentiment":"neutral","sentiment_score":-0.03212873637676239}],"sentiment":"neutral","sentiment_score":-0.03212873637676239,"channel":1,"num_words":1,"start":412.125,"end":412.625},{"sentences":[{"text":"Active managers don't always kind of hit that mark.","start":413.09,"end":415.72998,"sentiment":"neutral","sentiment_score":-0.10409403012858497},{"text":"In fact, very few of them do it every 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look at what Benelon's been doing, we do wanna look at removing that from your portfolio, maybe doing an investment switch, having a look at all the investments in your portfolio, seeing how they have performed, and if there's maybe a portfolio after that performs a bit better.","start":433.13498,"end":449.78998,"sentiment":"neutral","sentiment_score":-0.07615002517898878},{"text":"Are you comfortable","start":450.09,"end":450.88998,"sentiment":"neutral","sentiment_score":0.007384017109870911}],"sentiment":"neutral","sentiment_score":-0.12847103137109014,"channel":0,"num_words":72,"start":430.41498,"end":450.88998},{"sentences":[{"text":"Mhmm.","start":450.465,"end":450.965,"sentiment":"neutral","sentiment_score":0.03947976604104042}],"sentiment":"neutral","sentiment_score":0.03947976604104042,"channel":1,"num_words":1,"start":450.465,"end":450.965},{"sentences":[{"text":"with maybe maybe having a look at that for you and updating the advice to see if there's, you know, some better investments out there for you?","start":450.88998,"end":457.375,"sentiment":"neutral","sentiment_score":0.04961505594352881}],"sentiment":"neutral","sentiment_score":0.04961505594352881,"channel":0,"num_words":27,"start":450.88998,"end":457.375},{"sentences":[{"text":"Oh, yes, please.","start":457.44998,"end":458.50998,"sentiment":"neutral","sentiment_score":0.05457825834552447}],"sentiment":"neutral","sentiment_score":0.05457825834552447,"channel":1,"num_words":3,"start":457.44998,"end":458.50998},{"sentences":[{"text":"Yeah.","start":459.115,"end":459.595,"sentiment":"neutral","sentiment_score":0.13132399320602417},{"text":"Beautiful.","start":459.595,"end":460.095,"sentiment":"neutral","sentiment_score":0.3256247639656067},{"text":"Oh, good.","start":460.475,"end":460.875,"sentiment":"neutral","sentiment_score":0.16158506274223328},{"text":"Are you okay?","start":460.875,"end":461.51498,"sentiment":"neutral","sentiment_score":0.05780773237347603},{"text":"Do you need a 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me to stop.","start":467.675,"end":469.22998,"sentiment":"neutral","sentiment_score":0.010454212315380573},{"text":"Honestly, it's absolutely fine.","start":469.28998,"end":471.15,"sentiment":"positive","sentiment_score":0.3702528104186058}],"sentiment":"neutral","sentiment_score":0.17036470036125845,"channel":0,"num_words":9,"start":467.675,"end":471.15},{"sentences":[{"text":"Uh-huh.","start":471.325,"end":471.725,"sentiment":"neutral","sentiment_score":0.13155369460582733},{"text":"That's okay.","start":471.725,"end":472.465,"sentiment":"neutral","sentiment_score":0.22194088250398636},{"text":"It just has some 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me.","start":616.685,"end":617.265,"sentiment":"neutral","sentiment_score":0.09420684725046158},{"text":"Sounds good","start":617.565,"end":618.04504,"sentiment":"neutral","sentiment_score":0.23646489530801773}],"sentiment":"neutral","sentiment_score":0.16533587127923965,"channel":1,"num_words":4,"start":616.685,"end":618.04504},{"sentences":[{"text":"Yeah.","start":617.895,"end":618.395,"sentiment":"neutral","sentiment_score":0.1557874083518982}],"sentiment":"neutral","sentiment_score":0.1557874083518982,"channel":0,"num_words":1,"start":617.895,"end":618.395},{"sentences":[{"text":"to me.","start":618.04504,"end":618.705,"sentiment":"neutral","sentiment_score":0.08137716352939606}],"sentiment":"neutral","sentiment_score":0.08137716352939606,"channel":1,"num_words":2,"start":618.04504,"end":618.705},{"sentences":[{"text":"One of the biggest things to consider is when you do have those active managers in your portfolio, because they are to time the market, they are taking a bit more risk to do so.","start":618.85504,"end":628.57996,"sentiment":"neutral","sentiment_score":-0.021253246601138795},{"text":"And Benelung,","start":628.87994,"end":629.54,"sentiment":"neutral","sentiment_score":-0.024247342720627785}],"sentiment":"neutral","sentiment_score":-0.021415089634624688,"channel":0,"num_words":37,"start":618.85504,"end":629.54},{"sentences":[{"text":"Mhmm.","start":629.18,"end":629.68,"sentiment":"neutral","sentiment_score":-0.006587557028979063}],"sentiment":"neutral","sentiment_score":-0.006587557028979063,"channel":1,"num_words":1,"start":629.18,"end":629.68},{"sentences":[{"text":"as I mentioned, has generally anywhere between 15 to 20 different investments depending on what they're holding.","start":629.6,"end":635.04,"sentiment":"neutral","sentiment_score":-0.011104524026022237},{"text":"Whereas I could look at a passively managed funds that might have 200 investments in it.","start":635.04,"end":639.665,"sentiment":"neutral","sentiment_score":0.04081932341796346},{"text":"Therefore, it's","start":639.665,"end":640.305,"sentiment":"neutral","sentiment_score":0.06590254604816437}],"sentiment":"neutral","sentiment_score":0.017032495952610457,"channel":0,"num_words":35,"start":629.6,"end":640.305},{"sentences":[{"text":"Mhmm.","start":640.19495,"end":640.69495,"sentiment":"neutral","sentiment_score":0.10730063915252686}],"sentiment":"neutral","sentiment_score":0.10730063915252686,"channel":1,"num_words":1,"start":640.19495,"end":640.69495},{"sentences":[{"text":"giving you more diversification.","start":640.305,"end":641.76495,"sentiment":"neutral","sentiment_score":0.11333909444510937},{"text":"It's holding more more investments on the Aussie market, and it gives you more diversification, which can lower your risk level and be a cheaper investment","start":642.065,"end":650.485,"sentiment":"neutral","sentiment_score":0.18084735795855522}],"sentiment":"neutral","sentiment_score":0.17184625615676244,"channel":0,"num_words":30,"start":640.305,"end":650.485},{"sentences":[{"text":"Mhmm.","start":650.01,"end":650.51,"sentiment":"neutral","sentiment_score":0.10166795551776886}],"sentiment":"neutral","sentiment_score":0.10166795551776886,"channel":1,"num_words":1,"start":650.01,"end":650.51},{"sentences":[{"text":"as well.","start":650.625,"end":650.945,"sentiment":"neutral","sentiment_score":0.1263834908604622},{"text":"If you can save fees here and there, it means you have more money and you're super working harder compounding towards your your goal.","start":650.945,"end":658.29,"sentiment":"neutral","sentiment_score":0.18224191820869842},{"text":"Does that make 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what the advantages, disadvantages, and the risks are.","start":673.525,"end":678.40497,"sentiment":"neutral","sentiment_score":0.03490442522850476},{"text":"Does that 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him?","start":1199.915,"end":1204.4299,"sentiment":"neutral","sentiment_score":0.07556031527929008},{"text":"Do you feel like life insurance is still important to you being that you are technically debt free?","start":1204.57,"end":1210.8099,"sentiment":"neutral","sentiment_score":-0.06986498667134179}],"sentiment":"neutral","sentiment_score":0.0772292475681752,"channel":0,"num_words":80,"start":1186.6699,"end":1210.8099},{"sentences":[{"text":"You've got those properties, but you don't have any","start":1210.8099,"end":1212.975,"sentiment":"neutral","sentiment_score":-0.03731505821148554}],"sentiment":"neutral","sentiment_score":-0.03731505821148554,"channel":0,"num_words":9,"start":1210.8099,"end":1212.975},{"sentences":[{"text":"I don't I think the beneficiary shouldn't be Paul.","start":1216.095,"end":1222.195,"sentiment":"neutral","sentiment_score":-0.12393143524726231},{"text":"Instead, it should be 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current legislation, you actually can't nominate your mom as a beneficiary for your insurance policy","start":1259.66,"end":1266.4,"sentiment":"neutral","sentiment_score":-0.19084788693322075}],"sentiment":"neutral","sentiment_score":-0.09887448691859327,"channel":0,"num_words":29,"start":1257.1,"end":1266.4},{"sentences":[{"text":"Oh.","start":1267.21,"end":1267.71,"sentiment":"neutral","sentiment_score":-0.15483514964580536}],"sentiment":"neutral","sentiment_score":-0.15483514964580536,"channel":1,"num_words":1,"start":1267.21,"end":1267.71},{"sentences":[{"text":"because she doesn't really fit the criteria, they have a real strict criteria around nominating a beneficiary when insurance policies are held inside super.","start":1267.26,"end":1275.465,"sentiment":"neutral","sentiment_score":-0.23130904448529085},{"text":"So there is a way around it.","start":1277.205,"end":1278.645,"sentiment":"neutral","sentiment_score":-0.10235191349472318},{"text":"I can definitely help you to get 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I I do pay for all the bills, including the accommodation, all the utilities, and the","start":1325.735,"end":1332.775,"sentiment":"neutral","sentiment_score":0.16228877884500167}],"sentiment":"neutral","sentiment_score":0.16184911711348426,"channel":1,"num_words":18,"start":1325.495,"end":1332.775},{"sentences":[{"text":"yeah.","start":1332.615,"end":1333.115,"sentiment":"neutral","sentiment_score":0.117629773914814}],"sentiment":"neutral","sentiment_score":0.117629773914814,"channel":0,"num_words":1,"start":1332.615,"end":1333.115},{"sentences":[{"text":"food, daily living in 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because","start":1383.745,"end":1384.485,"sentiment":"neutral","sentiment_score":-0.030302681028842926}],"sentiment":"neutral","sentiment_score":0.005453944379507109,"channel":0,"num_words":43,"start":1373.33,"end":1384.485},{"sentences":[{"text":"Yep.","start":1384.055,"end":1384.555,"sentiment":"neutral","sentiment_score":-0.034876421093940735}],"sentiment":"neutral","sentiment_score":-0.034876421093940735,"channel":1,"num_words":1,"start":1384.055,"end":1384.555},{"sentences":[{"text":"the life insurance policies are held inside super, the policy owner is actually the super fund.","start":1384.945,"end":1391.745,"sentiment":"neutral","sentiment_score":-0.11521755624562502},{"text":"So AIA are the policy owner, and you're the life insured.","start":1391.745,"end":1395.1,"sentiment":"neutral","sentiment_score":-0.0927435379814018},{"text":"And because it is a super policy, they have these not fun rules, and they essentially stipulate who we can and can't nominate as a 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like my team to prefill the nomination for you to cover that?","start":1442.945,"end":1447.265,"sentiment":"neutral","sentiment_score":-0.017226229953978742},{"text":"Is that what","start":1447.265,"end":1450.52,"sentiment":"neutral","sentiment_score":0.01211304652194182}],"sentiment":"neutral","sentiment_score":-0.02339140381664038,"channel":0,"num_words":20,"start":1440.225,"end":1450.52},{"sentences":[{"text":"Yeah.","start":1450.2899,"end":1450.7899,"sentiment":"neutral","sentiment_score":0.0661497414112091},{"text":"Yes, please.","start":1450.9299,"end":1451.75,"sentiment":"neutral","sentiment_score":0.15477898716926575}],"sentiment":"neutral","sentiment_score":0.12523590524991354,"channel":1,"num_words":3,"start":1450.2899,"end":1451.75},{"sentences":[{"text":"you yeah.","start":1451.3,"end":1451.94,"sentiment":"neutral","sentiment_score":0.17517876625061035},{"text":"That's 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days.","start":1473.375,"end":1476.0951,"sentiment":"positive","sentiment_score":0.36902529426983427},{"text":"Is it easier, Christie, if they post it to you or email?","start":1476.0951,"end":1479.51,"sentiment":"neutral","sentiment_score":0.08571767434477806}],"sentiment":"neutral","sentiment_score":0.22369594765560968,"channel":0,"num_words":35,"start":1468.735,"end":1479.51},{"sentences":[{"text":"What's generally easier for you?","start":1479.51,"end":1481.27,"sentiment":"neutral","sentiment_score":0.06711817756295205},{"text":"I can do both if you like.","start":1481.27,"end":1482.89,"sentiment":"neutral","sentiment_score":0.04743649970207896}],"sentiment":"neutral","sentiment_score":0.05563719881077608,"channel":0,"num_words":12,"start":1479.51,"end":1482.89},{"sentences":[{"text":"Can close to my address, 60 Williams 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poor mom's going through enough at that point in time.","start":1535.475,"end":1538.375,"sentiment":"negative","sentiment_score":-0.4066167636351152},{"text":"Yeah.","start":1539.075,"end":1539.36,"sentiment":"neutral","sentiment_score":-0.00021806173026561737},{"text":"So I can do the same thing for your super.","start":1540.32,"end":1542.7999,"sentiment":"neutral","sentiment_score":0.09947785809636116},{"text":"Are you wanting your super to be directed to your mom as well in the event of passing?","start":1542.7999,"end":1546.74,"sentiment":"neutral","sentiment_score":0.06037264265533951}],"sentiment":"neutral","sentiment_score":-0.05978790782392025,"channel":0,"num_words":40,"start":1535.475,"end":1546.74},{"sentences":[{"text":"Yes, 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benefit you have is 66,336 and 90¢.","start":2438.14,"end":2443.5,"sentiment":"neutral","sentiment_score":0.024701060106356938},{"text":"Are you happy with the trauma policy you have?","start":2443.5,"end":2445.66,"sentiment":"neutral","sentiment_score":0.004177687896622552},{"text":"Did you wanna look at altering that?","start":2445.66,"end":2447.0999,"sentiment":"neutral","sentiment_score":-0.0704962680382388},{"text":"Are you happy with the way it","start":2447.0999,"end":2448.995,"sentiment":"neutral","sentiment_score":-0.18803698037351882}],"sentiment":"neutral","sentiment_score":-0.048432000214233994,"channel":0,"num_words":33,"start":2438.14,"end":2448.995},{"sentences":[{"text":"I don't know.","start":2450.2551,"end":2451.075,"sentiment":"neutral","sentiment_score":-0.15888195236523947},{"text":"What what's your 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120,000.","start":2651.9348,"end":2654.6748,"sentiment":"neutral","sentiment_score":0.09652822837233543},{"text":"Yeah.","start":2654.7349,"end":2655.2349,"sentiment":"neutral","sentiment_score":0.1031370759010315}],"sentiment":"neutral","sentiment_score":0.09747234944786344,"channel":0,"num_words":7,"start":2651.9348,"end":2655.2349},{"sentences":[{"text":"Yeah.","start":2655.34,"end":2655.84,"sentiment":"neutral","sentiment_score":0.12473658472299576}],"sentiment":"neutral","sentiment_score":0.12473658472299576,"channel":1,"num_words":1,"start":2655.34,"end":2655.84},{"sentences":[{"text":"Yep.","start":2656.575,"end":2657.075,"sentiment":"neutral","sentiment_score":0.2470821589231491},{"text":"Perfect.","start":2657.615,"end":2658.115,"sentiment":"positive","sentiment_score":0.4965352416038513},{"text":"Obviously, when we increase trauma, the cost of that is increasing as well.","start":2659.375,"end":2663.71,"sentiment":"neutral","sentiment_score":-0.22814989749055642}],"sentiment":"neutral","sentiment_score":-0.14815541779001554,"channel":0,"num_words":15,"start":2656.575,"end":2663.71},{"sentences":[{"text":"Yep.","start":2664.22,"end":2664.675,"sentiment":"neutral","sentiment_score":-0.08508685231208801}],"sentiment":"neutral","sentiment_score":-0.08508685231208801,"channel":1,"num_words":1,"start":2664.22,"end":2664.675},{"sentences":[{"text":"I can't so I'll make a recommendation in the in the advice document as to whether we increase the current policy or increase with another provider.","start":2664.41,"end":2673.95,"sentiment":"neutral","sentiment_score":-0.2382938380424793}],"sentiment":"neutral","sentiment_score":-0.2382938380424793,"channel":0,"num_words":26,"start":2664.41,"end":2673.95},{"sentences":[{"text":"Mhmm.","start":2674.835,"end":2675.335,"sentiment":"neutral","sentiment_score":-0.029199182987213135}],"sentiment":"neutral","sentiment_score":-0.029199182987213135,"channel":1,"num_words":1,"start":2674.835,"end":2675.335},{"sentences":[{"text":"Is there a certain amount of dollar figure that you would be comfortable paying, or are you happy just to look at the increase and what that costs to make that decision for yourself?","start":2674.9949,"end":2684.055,"sentiment":"neutral","sentiment_score":0.0011942094082341476}],"sentiment":"neutral","sentiment_score":0.0011942094082341476,"channel":0,"num_words":34,"start":2674.9949,"end":2684.055},{"sentences":[{"text":"Can I have the, like, options for comparison?","start":2686.68,"end":2690.22,"sentiment":"neutral","sentiment_score":0.01135669625364244}],"sentiment":"neutral","sentiment_score":0.01135669625364244,"channel":1,"num_words":8,"start":2686.68,"end":2690.22},{"sentences":[{"text":"Well, what we do as part of the advice is we make a recommendation with one product.","start":2691.44,"end":2695.28,"sentiment":"neutral","sentiment_score":0.140453758485177},{"text":"So we go out there, review all the different options, and then we make a recommendation and show you what the cost is.","start":2695.28,"end":2700.9,"sentiment":"neutral","sentiment_score":0.17174984028805856},{"text":"Generally speaking, yeah, I can look at a new provider, which is absolutely fine,","start":2701.76,"end":2706.2148,"sentiment":"neutral","sentiment_score":0.09139874231602464}],"sentiment":"neutral","sentiment_score":0.14106560394995743,"channel":0,"num_words":54,"start":2691.44,"end":2706.2148},{"sentences":[{"text":"Yes.","start":2706.68,"end":2707.18,"sentiment":"neutral","sentiment_score":0.07081083953380585}],"sentiment":"neutral","sentiment_score":0.07081083953380585,"channel":1,"num_words":1,"start":2706.68,"end":2707.18},{"sentences":[{"text":"but you do have to when you increase the policy, you have to go back to a new application again.","start":2706.9148,"end":2711.555,"sentiment":"neutral","sentiment_score":-0.07905042544007301},{"text":"So they're gonna wanna have a look at your health, see whether there's","start":2711.555,"end":2714.9148,"sentiment":"neutral","sentiment_score":-0.008561299182474613}],"sentiment":"neutral","sentiment_score":-0.05128198176283728,"channel":0,"num_words":33,"start":2706.9148,"end":2714.9148},{"sentences":[{"text":"Mhmm.","start":2714.5999,"end":2715.0999,"sentiment":"neutral","sentiment_score":-0.04016507416963577}],"sentiment":"neutral","sentiment_score":-0.04016507416963577,"channel":1,"num_words":1,"start":2714.5999,"end":2715.0999},{"sentences":[{"text":"been any changes in your health from when you last completed an application for insurances.","start":2714.9148,"end":2717.9487,"sentiment":"neutral","sentiment_score":-0.04176275680462519},{"text":"If there has been changes, if your health has changed, If there has been changes, if your health has changed, like you've had, you know, an issue with your shoulder or your back or something, there could be loadings or exclusions","start":2717.9487,"end":2729.94,"sentiment":"neutral","sentiment_score":-0.04744067542800089}],"sentiment":"neutral","sentiment_score":-0.045919804368168116,"channel":0,"num_words":56,"start":2714.9148,"end":2729.94},{"sentences":[{"text":"Mhmm.","start":2730.845,"end":2731.345,"sentiment":"neutral","sentiment_score":-0.02608191035687923}],"sentiment":"neutral","sentiment_score":-0.02608191035687923,"channel":1,"num_words":1,"start":2730.845,"end":2731.345},{"sentences":[{"text":"added to the new part of the policy.","start":2730.88,"end":2733.075,"sentiment":"neutral","sentiment_score":0.0029790783300995827},{"text":"But the benefits to increasing with your current provider is that anything that's changed in your health only gets added to the new part of the policy.","start":2733.075,"end":2740.695,"sentiment":"neutral","sentiment_score":0.2049083337187767},{"text":"The older part stays the same.","start":2741.075,"end":2743.2349,"sentiment":"neutral","sentiment_score":0.1628307824333509},{"text":"There's no underwriting or changes to the policy that's already in place.","start":2743.2349,"end":2746.915,"sentiment":"neutral","sentiment_score":0.09671689942479134},{"text":"Does that make sense?","start":2746.915,"end":2748.14,"sentiment":"neutral","sentiment_score":0.12842749431729317}],"sentiment":"neutral","sentiment_score":0.14399394915814986,"channel":0,"num_words":57,"start":2730.88,"end":2748.14},{"sentences":[{"text":"Yeah.","start":2748.895,"end":2749.135,"sentiment":"neutral","sentiment_score":0.034489940851926804},{"text":"Yeah.","start":2749.135,"end":2749.4548,"sentiment":"neutral","sentiment_score":0.02072304859757423},{"text":"Yeah.","start":2749.4548,"end":2749.9548,"sentiment":"neutral","sentiment_score":-0.007285000756382942},{"text":"Nothing","start":2750.4949,"end":2750.9949,"sentiment":"neutral","sentiment_score":-0.04226794093847275}],"sentiment":"neutral","sentiment_score":0.001415011938661337,"channel":1,"num_words":4,"start":2748.895,"end":2750.9949},{"sentences":[{"text":"Yeah.","start":2750.68,"end":2751.18,"sentiment":"neutral","sentiment_score":-0.04942089691758156}],"sentiment":"neutral","sentiment_score":-0.04942089691758156,"channel":0,"num_words":1,"start":2750.68,"end":2751.18},{"sentences":[{"text":"happened to my health except put on a few kilos.","start":2751.375,"end":2754.355,"sentiment":"neutral","sentiment_score":-0.08936788737773896}],"sentiment":"neutral","sentiment_score":-0.08936788737773896,"channel":1,"num_words":10,"start":2751.375,"end":2754.355},{"sentences":[{"text":"Few kilos?","start":2755.7998,"end":2756.6199,"sentiment":"neutral","sentiment_score":-0.028481682762503624},{"text":"Well,","start":2756.8398,"end":2757.3398,"sentiment":"neutral","sentiment_score":-0.02231648750603199}],"sentiment":"neutral","sentiment_score":-0.02642661767701308,"channel":0,"num_words":3,"start":2755.7998,"end":2757.3398},{"sentences":[{"text":"Put on","start":2757.375,"end":2757.855,"sentiment":"neutral","sentiment_score":-0.0327248414978385}],"sentiment":"neutral","sentiment_score":-0.0327248414978385,"channel":1,"num_words":2,"start":2757.375,"end":2757.855},{"sentences":[{"text":"I'm","start":2757.72,"end":2757.96,"sentiment":"neutral","sentiment_score":-0.045377373695373535}],"sentiment":"neutral","sentiment_score":-0.045377373695373535,"channel":0,"num_words":1,"start":2757.72,"end":2757.96},{"sentences":[{"text":"weight.","start":2757.855,"end":2758.355,"sentiment":"neutral","sentiment_score":-0.028140468522906303}],"sentiment":"neutral","sentiment_score":-0.028140468522906303,"channel":1,"num_words":1,"start":2757.855,"end":2758.355},{"sentences":[{"text":"that's under that's understandable.","start":2758.1199,"end":2759.9,"sentiment":"neutral","sentiment_score":-0.023585336282849312},{"text":"That's okay.","start":2760.5999,"end":2761.3398,"sentiment":"neutral","sentiment_score":0.13809538260102272},{"text":"Just double checking.","start":2762.7551,"end":2763.895,"sentiment":"neutral","sentiment_score":0.0178885484735171},{"text":"Is there can I grab do you know what your height and weight is at the moment, roughly?","start":2764.035,"end":2769.095,"sentiment":"neutral","sentiment_score":-0.006886892538103793}],"sentiment":"neutral","sentiment_score":0.004131518511308564,"channel":0,"num_words":27,"start":2758.1199,"end":2769.095},{"sentences":[{"text":"My height","start":2769.99,"end":2770.6301,"sentiment":"neutral","sentiment_score":-0.002609686926007271}],"sentiment":"neutral","sentiment_score":-0.002609686926007271,"channel":1,"num_words":2,"start":2769.99,"end":2770.6301},{"sentences":[{"text":"Guesstimate","start":2770.355,"end":2770.855,"sentiment":"neutral","sentiment_score":0.0101306838914752}],"sentiment":"neutral","sentiment_score":0.0101306838914752,"channel":0,"num_words":1,"start":2770.355,"end":2770.855},{"sentences":[{"text":"is","start":2770.6301,"end":2771.03,"sentiment":"neutral","sentiment_score":-0.0005362015217542648}],"sentiment":"neutral","sentiment_score":-0.0005362015217542648,"channel":1,"num_words":1,"start":2770.6301,"end":2771.03},{"sentences":[{"text":"one.","start":2770.915,"end":2771.415,"sentiment":"neutral","sentiment_score":0.0020393673330545425}],"sentiment":"neutral","sentiment_score":0.0020393673330545425,"channel":0,"num_words":1,"start":2770.915,"end":2771.415},{"sentences":[{"text":"about six a hundred sixty four.","start":2771.03,"end":2774.01,"sentiment":"neutral","sentiment_score":0.010598177245507637}],"sentiment":"neutral","sentiment_score":0.010598177245507637,"channel":1,"num_words":6,"start":2771.03,"end":2774.01},{"sentences":[{"text":"Yep.","start":2774.7551,"end":2775.06,"sentiment":"neutral","sentiment_score":0.1269896924495697},{"text":"Beautiful.","start":2775.54,"end":2776.04,"sentiment":"positive","sentiment_score":0.6255462169647217}],"sentiment":"positive","sentiment_score":0.3762679547071457,"channel":0,"num_words":2,"start":2774.7551,"end":2776.04},{"sentences":[{"text":"My weight is around sixty nine kilos.","start":2776.6301,"end":2780.785,"sentiment":"neutral","sentiment_score":0.2139935599906104}],"sentiment":"neutral","sentiment_score":0.2139935599906104,"channel":1,"num_words":7,"start":2776.6301,"end":2780.785},{"sentences":[{"text":"Sixty nine kilos.","start":2781.62,"end":2782.84,"sentiment":"neutral","sentiment_score":0.12417984008789062},{"text":"Beautiful.","start":2782.9001,"end":2783.4001,"sentiment":"positive","sentiment_score":0.7773483991622925},{"text":"Lovely.","start":2784.74,"end":2785.22,"sentiment":"positive","sentiment_score":0.7732448577880859},{"text":"I'm just quickly pulling up a bit of a quick pre assessment here.","start":2785.22,"end":2788.4202,"sentiment":"neutral","sentiment_score":0.29925823440918553},{"text":"I just wanted to run through that with you really quickly just to see whether there's anything that might flag on any increase of a trauma policy that we might need to be aware of prior to looking at it.","start":2788.4202,"end":2799.455,"sentiment":"neutral","sentiment_score":-0.08163616638630629}],"sentiment":"neutral","sentiment_score":0.04393177877726226,"channel":0,"num_words":58,"start":2781.62,"end":2799.455},{"sentences":[{"text":"Yep.","start":2799.81,"end":2800.31,"sentiment":"neutral","sentiment_score":0.1529616117477417}],"sentiment":"neutral","sentiment_score":0.1529616117477417,"channel":1,"num_words":1,"start":2799.81,"end":2800.31},{"sentences":[{"text":"It just helps me to understand what what might be offered to you there.","start":2800.075,"end":2804.97,"sentiment":"neutral","sentiment_score":0.2728398325187819},{"text":"Now","start":2805.93,"end":2806.25,"sentiment":"neutral","sentiment_score":0.11207455396652222}],"sentiment":"neutral","sentiment_score":0.26212214728196465,"channel":0,"num_words":15,"start":2800.075,"end":2806.25},{"sentences":[{"text":"Sure.","start":2805.9849,"end":2806.4849,"sentiment":"neutral","sentiment_score":0.15865358710289}],"sentiment":"neutral","sentiment_score":0.15865358710289,"channel":1,"num_words":1,"start":2805.9849,"end":2806.4849},{"sentences":[{"text":"I've got your income and employment details.","start":2806.25,"end":2809.13,"sentiment":"neutral","sentiment_score":0.19912793167999812},{"text":"That's absolutely fine.","start":2809.13,"end":2810.67,"sentiment":"positive","sentiment_score":0.3770936926205953},{"text":"How long have you been self employed?","start":2810.89,"end":2812.65,"sentiment":"neutral","sentiment_score":-0.010437624529004097},{"text":"For how many years have you technically been self employed?","start":2812.65,"end":2815.95,"sentiment":"neutral","sentiment_score":-0.034617120027542116}],"sentiment":"neutral","sentiment_score":0.07799785287567863,"channel":0,"num_words":27,"start":2806.25,"end":2815.95}]},"summary":{"result":"success","short":"Representatives from OQ Financial, OQ Financial, and OQ Financial discuss the customer's personal and financial information, including contributions and investment portfolios. The customer's super fund has performed well, but the investment in Australian Equities has underperformed. The speaker suggests a potential investment switch or investment switch to replace the current manager and recommends reducing investment fees and diversifying the portfolio to achieve retirement goals. The customer discusses her life insurance coverage and property values with an agent, and is advised to assess risk and goals and consider her insurance coverage. The agent provides information on the benefits of a company's insurance policy and recommends a cheaper policy for the same level of coverage."},"intents":{"segments":[{"text":"Before we jump into the call, just to let you know, we do record our calls for quality quality and training purposes. Are you happy for me to proceed with that? Yes.","start_word":86,"end_word":117,"intents":[{"intent":"Request callback","confidence_score":0.00088472036}]},{"text":"Not a problem.","start_word":118,"end_word":120,"intents":[{"intent":"Confirm understanding","confidence_score":0.0063278098}]},{"text":"Thank you so much for that. So I do apologize.","start_word":183,"end_word":192,"intents":[{"intent":"Express gratitude","confidence_score":0.046023883}]},{"text":"Thank you so much for that. So I do apologize. I know I had you booked in last week to go to your annual review last Monday. Unfortunately, I was a bit unwell. Hurt my back, so I wasn't able to be at work. So I do apologize for rescheduling that one on you.","start_word":183,"end_word":236,"intents":[{"intent":"Apologize for unavailability","confidence_score":0.01655821}]},{"text":"You've got that there ready to go for your tax return. I haven't received notice of intent yet.","start_word":319,"end_word":336,"intents":[{"intent":"Inquire about tax return benefits","confidence_score":8.479812e-7}]},{"text":"It is not a problem in any way, shape, or form. Okay? Okay.","start_word":485,"end_word":497,"intents":[{"intent":"Resolve issue","confidence_score":0.0032160594}]},{"text":"Once you once we submit the notice of intent, essentially, it does the super fund does let the ATO know and report on that, so it all should be in your system there. I like to just email out the the acknowledgment letter. This is a secondary confirmation. If you take that with you to your account, it gives us got that as a bit of a backup in case it hasn't been reported correctly.","start_word":508,"end_word":582,"intents":[{"intent":"Report status","confidence_score":0.009098049}]},{"text":"So if you like, I'll start by just giving you a bit of an update here on your super.","start_word":658,"end_word":676,"intents":[{"intent":"Provide update","confidence_score":0.105170615},{"intent":"Provide update","confidence_score":0.12782519}]},{"text":"So when I have a look at your portfolio as a whole, and I'm also sending you an email to see you do have those documents in your email to review there as well. But, essentially, the the portfolio hasn't hasn't performed very badly. It's actually performed quite well. After Mhmm.","start_word":715,"end_word":765,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.1738845}]},{"text":"It just has some chocolates Oh, from the supermarket before.","start_word":1421,"end_word":1430,"intents":[{"intent":"Replace chocolates","confidence_score":0.0900048}]},{"text":"What I can be doing is looking at essentially, the main reason I'm sort of looking at this is to assess your time horizon because we can replace that along with another active manager, or I could look at investments which might be a bit cheaper, might have more diversification, obviously, because you are in your fifties.","start_word":1619,"end_word":1675,"intents":[{"intent":"Assess time horizon and look at investments","confidence_score":0.041269887}]},{"text":"If I was you, I'd honestly be looking to try and boost my super any way possible.","start_word":1752,"end_word":1768,"intents":[{"intent":"Boost super super super","confidence_score":0.022998892}]},{"text":"If you can save fees here and there, it means you have more money and you're super working harder compounding towards your your goal. Does that make sense? Yeah.","start_word":1967,"end_word":1995,"intents":[{"intent":"Save fees","confidence_score":0.0010498223}]},{"text":"Well, I'll go back and review the portfolio, have a better look at the options there. It does take a couple of weeks to do the research. So once I have that research completed, my team will book you back in, and I can go Mhmm. through the advice with you. You can have a look at what I'm recommending, how, why, what the advantages, disadvantages, and the risks are. Does that sound Yeah.","start_word":2002,"end_word":2075,"intents":[{"intent":"Review portfolio","confidence_score":0.60996145}]},{"text":"I also wanted to have a bit of a look at the insurances here.","start_word":2106,"end_word":2119,"intents":[{"intent":"Explore insurance options","confidence_score":0.008274315}]},{"text":"So I can see with your insurance cover, you have, at the moment, your life, your TPD, and your income sorry. No no income protection. Just your life and TPD, which is paid out of your super fund.","start_word":2121,"end_word":2158,"intents":[{"intent":"Review insurance coverage","confidence_score":0.11805593}]},{"text":"Oh, we wanna update the values on all the properties just to make sure Okay.","start_word":2513,"end_word":2527,"intents":[{"intent":"Update valuations","confidence_score":0.17915453}]},{"text":"Was that the Brisbane eight property, or was that the other one that was valued at? Grand.","start_word":2590,"end_word":2606,"intents":[{"intent":"Verify property value","confidence_score":0.008283714}]},{"text":"I don't have an address on here. I just have a value of $4.66. Would that be the Brisbane investment property that was valued at $4.66? Yeah. I think so.","start_word":2609,"end_word":2638,"intents":[{"intent":"Provide address","confidence_score":0.040155035}]},{"text":"I might actually just put the suburb down just so I can allocate the difference between the three properties for you to Yeah.","start_word":2650,"end_word":2672,"intents":[{"intent":"Allocate property value","confidence_score":0.455137}]},{"text":"This is at Fortitude Valley, an Yep. apartment yeah. The high cost oh, and mid range is 60 678 k. Yep.","start_word":2682,"end_word":2702,"intents":[{"intent":"Provide suburb information","confidence_score":0.08785227},{"intent":"Provide suburb details","confidence_score":0.0030609812}]},{"text":"The high cost oh, and mid range is 60 678 k. Yep.","start_word":2691,"end_word":2702,"intents":[{"intent":"Provide price","confidence_score":0.006716037},{"intent":"Confirm price","confidence_score":0.0009420804}]},{"text":"So when we kind of look at your insurances and why it's kind of important to update all of your assets and liabilities is because we generally have life and TBD cover.","start_word":3163,"end_word":3194,"intents":[{"intent":"Update and protect assets and liabilities","confidence_score":0.00047060655}]},{"text":"Well, life especially to pay out a lump sum benefits to our beneficiaries if we were to pass away. Mhmm.","start_word":3194,"end_word":3213,"intents":[{"intent":"Pay out lump sum benefits","confidence_score":0.106024325}]},{"text":"because she doesn't really fit the criteria, they have a real strict criteria around nominating a beneficiary when insurance policies are held inside super. So there is a way around it. I can definitely help you to get around it. I've Yeah.","start_word":3470,"end_word":3511,"intents":[{"intent":"Obtain insurance policy guidelines","confidence_score":0.000009739903}]},{"text":"So if you Mhmm. like, it would be beneficial to have the beneficiary updated.","start_word":3883,"end_word":3896,"intents":[{"intent":"Update beneficiary","confidence_score":0.7170296}]},{"text":"I haven't got Yeah. time got to my bill yet. No.","start_word":3971,"end_word":3981,"intents":[{"intent":"Inquire about filing status","confidence_score":0.0000016633053}]},{"text":"Would you like my team to prefill the nomination for you to cover that? Is that what Yeah.","start_word":3984,"end_word":4001,"intents":[{"intent":"Cover bill","confidence_score":0.096302986}]},{"text":"That's okay. We just have to get direction because we're not really allowed to prefill a beneficiary nomination unless you're approving so. But are you happy with us maybe taking that legal Mhmm. personal representative and putting a 100% in the percentage box for you and then resending it out to be signed and and sorted to get it Yeah. up to date for you and valid? Yeah. Beautiful.","start_word":4006,"end_word":4074,"intents":[{"intent":"Confirm approval","confidence_score":0.0056733303}]},{"text":"But are you happy with us maybe taking that legal Mhmm. personal representative and putting a 100% in the percentage box for you and then resending it out to be signed and and sorted to get it Yeah.","start_word":4028,"end_word":4065,"intents":[{"intent":"Take legal representation","confidence_score":0.0036142676}]},{"text":"We'll do a post. Not a problem at all.","start_word":4123,"end_word":4131,"intents":[{"intent":"Post nomination","confidence_score":0.4237643}]},{"text":"The benefit is not payable, and then it goes through a probate process, which is not really what you want when something like that No. happens.","start_word":4250,"end_word":4275,"intents":[{"intent":"Address probate process","confidence_score":0.0005273238}]},{"text":"But if we had a bit of a look, like, if I because your income at the moment, I've got you earning about $66,003.94. Is that still accurate, or has your income changed No.","start_word":5096,"end_word":5129,"intents":[{"intent":"Estimate annual income","confidence_score":0.000012634176}]},{"text":"So with the 120,000 we're estimating your income to be at, is that including the income from the income from the investment properties?","start_word":5325,"end_word":5347,"intents":[{"intent":"Confirm income from investment properties","confidence_score":0.094456695}]},{"text":"So with the 120,000 we're estimating your income to be at, is that including the income from the income from the investment properties? No. No.","start_word":5325,"end_word":5349,"intents":[{"intent":"Calculate income","confidence_score":0.008583409},{"intent":"Inquire about income from investments","confidence_score":0.0009778845},{"intent":"Inquire about income from investment properties","confidence_score":0.033054832},{"intent":"Discuss income from investment properties","confidence_score":0.034934733},{"intent":"Inquire about income from investment properties","confidence_score":0.04955403}]},{"text":"So with the 120,000 we're estimating your income to be at, is that including the income from the income from the investment properties? No. No. That's Purity on from that'll be the on business. top of that. Yeah. Okay. Yes. Yeah. Lovely. Excellent. So with the income from the investment properties there, how much do you estimate you're probably getting from those alone on From those properties? yeah.","start_word":5325,"end_word":5392,"intents":[{"intent":"Inquire about income storage","confidence_score":0.00014989436}]},{"text":"So with the income from the investment properties there, how much do you estimate you're probably getting from those alone on From those properties? yeah.","start_word":5368,"end_word":5392,"intents":[{"intent":"Describe income flow","confidence_score":0.0011804858}]},{"text":"Do your living expenses kind of equate to that, do you think, or do you think you'd be able to live on a Yeah.","start_word":5553,"end_word":5576,"intents":[{"intent":"Inquire about living expenses","confidence_score":0.042585533}]},{"text":"if you were to then claim because you have your rental income coming in, they'll ask you to provide payslips, but they'll then also ask you to provide tax information showing the rental properties, the income you have done coming in.","start_word":6303,"end_word":6343,"intents":[{"intent":"Provide payslips","confidence_score":0.11682484},{"intent":"Provide tax information","confidence_score":0.8980054}]},{"text":"if you were to then claim because you have your rental income coming in, they'll ask you to provide payslips, but they'll then also ask you to provide tax information showing the rental properties, the income you have done coming in. And they essentially take the amount you're covered for, what you're eligible to claim, and they look at what other income you come have coming in to offset that.","start_word":6303,"end_word":6372,"intents":[{"intent":"Understand claiming process","confidence_score":0.00015745062}]},{"text":"So there is a chance or a risk that you may not be able to claim the full amount that you can be paying for essentially, which Oh, yeah.","start_word":6486,"end_word":6514,"intents":[{"intent":"Calculate claim amount","confidence_score":0.01812955}]},{"text":"probably So makes that the premiums doesn't not yeah. worth It it.","start_word":6515,"end_word":6526,"intents":[{"intent":"Understand benefits","confidence_score":0.07750273},{"intent":"Qualify for benefits","confidence_score":0.0014974162}]},{"text":"How do you feel about the level of cover?","start_word":7204,"end_word":7212,"intents":[{"intent":"Discuss level of cover","confidence_score":0.0006404082}]},{"text":"I can't so I'll make a recommendation in the in the advice document as to whether we increase the current policy or increase with another provider. Mhmm.","start_word":7466,"end_word":7492,"intents":[{"intent":"Recommend policy options","confidence_score":0.039755084}]},{"text":"Well, what we do as part of the advice is we make a recommendation with one product. So we go out there, review all the different options, and then we make a recommendation and show you what the cost is.","start_word":7535,"end_word":7574,"intents":[{"intent":"Provide recommendations","confidence_score":0.016058413}]},{"text":"So they're gonna wanna have a look at your health, see whether there's Mhmm.","start_word":7610,"end_word":7623,"intents":[{"intent":"Discuss health and health","confidence_score":0.045779627}]},{"text":"But the benefits to increasing with your current provider is that anything that's changed in your health only gets added to the new part of the policy. The older part stays the same. There's no underwriting or changes to the policy that's already in place. Does that make sense? Yeah.","start_word":7689,"end_word":7738,"intents":[{"intent":"Explain policy benefits","confidence_score":0.02665528}]}]},"sentiments":{"segments":[{"text":"You record your name and reason for calling. I'll see if this person is available. Dana, Okey Financial.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.01541584264487028},{"text":"Hi, Thanks.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.3362487256526947},{"text":"Christie. Please stay on the line. It's Good afternoon. Dana Christie speaking. OQ Financial. How are you today?","start_word":20,"end_word":37,"sentiment":"neutral","sentiment_score":0.21838803589344025},{"text":"I'm very well.","start_word":38,"end_word":40,"sentiment":"positive","sentiment_score":0.5340862274169922},{"text":"Yourself?","start_word":41,"end_word":41,"sentiment":"neutral","sentiment_score":0.3299961984157562},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":42,"end_word":49,"sentiment":"positive","sentiment_score":0.5809516906738281},{"text":"How's your day been so far?","start_word":50,"end_word":55,"sentiment":"neutral","sentiment_score":0.2554003894329071},{"text":"So far, so good. That is excellent.","start_word":56,"end_word":62,"sentiment":"positive","sentiment_score":0.6647642254829407},{"text":"I'm have you booked in to go through your annual review? Is now still a good time there for you? Yes. Yes.","start_word":63,"end_word":84,"sentiment":"neutral","sentiment_score":0.24155624210834503},{"text":"Fantastic.","start_word":85,"end_word":85,"sentiment":"positive","sentiment_score":0.5939037799835205},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality quality and training purposes. Are you happy for me to proceed with that? Yes. Not a problem.","start_word":86,"end_word":120,"sentiment":"neutral","sentiment_score":0.18418921530246735},{"text":"Fantastic.","start_word":121,"end_word":121,"sentiment":"positive","sentiment_score":0.5479960441589355},{"text":"And you've sorry. Also, this is a security day with you as well. I'll just need to confirm your full name, your date of birth, and address I should have on file just to see how to discuss your personal information. Yes. My full name is j I e l I u. Yep. 10/29/1973. 60 Williams Drive, Thorndon, Queensland 4164.","start_word":122,"end_word":181,"sentiment":"neutral","sentiment_score":0.05904286727309227},{"text":"Fantastic. Thank you so much for that.","start_word":182,"end_word":188,"sentiment":"positive","sentiment_score":0.5382892489433289},{"text":"So I do apologize. I know I had you booked in last week to go to your annual review last Monday.","start_word":189,"end_word":209,"sentiment":"neutral","sentiment_score":-0.036586325615644455},{"text":"Unfortunately, I was a bit unwell. Hurt my back, so I wasn't able to be at work.","start_word":210,"end_word":226,"sentiment":"negative","sentiment_score":-0.35951536893844604},{"text":"So I do apologize for rescheduling that one on you. Oh, that's alright. Oh, Hope good. you Well, let recovered. oh, thank you. One of the things one of the aspects of getting older. We break down a little bit, unfortunately.","start_word":227,"end_word":267,"sentiment":"neutral","sentiment_score":-0.10308127850294112},{"text":"That's no good.","start_word":268,"end_word":270,"sentiment":"negative","sentiment_score":-0.4064828157424927},{"text":"No. All good, Christie.","start_word":271,"end_word":274,"sentiment":"neutral","sentiment_score":-0.03662751987576485},{"text":"Now I can see you did put your contribution in, which is fantastic.","start_word":275,"end_word":287,"sentiment":"positive","sentiment_score":0.39960768818855286},{"text":"So your contributions for this financial year are now up to 30,000 for the year. You've claimed Yep. the notice of intent, and my team have provided you with that confirmation. You've got that there ready to go for your tax return. I haven't received notice of intent yet. Someone No. did give me a call, and I Yeah. You don't have to sign one anymore. We already already submitted it. So with Hub oh, 20 oh, good.","start_word":288,"end_word":365,"sentiment":"neutral","sentiment_score":0.10248432480371916},{"text":"four, Good. did Good.","start_word":366,"end_word":369,"sentiment":"positive","sentiment_score":0.3545912802219391},{"text":"it require the form? Yeah.","start_word":370,"end_word":374,"sentiment":"neutral","sentiment_score":0.11993445456027985},{"text":"We just get verbal confirmation that you're happy for us to process it, which is what Samantha's call was about.","start_word":375,"end_word":394,"sentiment":"positive","sentiment_score":0.3876360952854157},{"text":"About. Oh, yeah? And then she went online, and she submitted it for you through HAB 24. So it's all done and dusted.","start_word":395,"end_word":417,"sentiment":"neutral","sentiment_score":0.18723656237125397},{"text":"Oh, great.","start_word":418,"end_word":419,"sentiment":"positive","sentiment_score":0.6300884485244751},{"text":"Yeah. Did you get the acknowledgment letter to the they send a confirmation letter out once that has been completed. Have you received that letter in the mail or in the post or in email? I don't remember. If not, that's okay. I will grab another one after the call for you and resend Oh, it through yep. to you so you have that there. It is not a problem in any way, shape, or form. Okay? Okay.","start_word":420,"end_word":497,"sentiment":"neutral","sentiment_score":0.1046714261174202},{"text":"Sure. Thank you. Fantastic. Not a problem at all.","start_word":498,"end_word":506,"sentiment":"positive","sentiment_score":0.5453540086746216},{"text":"Look. Once you once we submit the notice of intent, essentially, it does the super fund does let the ATO know and report on that, so it all should be in your system there. I like to just email out the the acknowledgment letter. This is a secondary confirmation. If you take that with you to your account, it gives us got that as a bit of a backup in case it hasn't been reported correctly. Okay. Yep. Yep.","start_word":507,"end_word":585,"sentiment":"neutral","sentiment_score":0.178957998752594},{"text":"Sure. Easy. Fantastic.","start_word":586,"end_word":588,"sentiment":"positive","sentiment_score":0.5095003843307495},{"text":"Now as part of your review, we'll go through and have a bit of a look at what your sleep has done, have a look at your goals, and see if there's any new advice to provide there. But is there any specific questions you might have or anything you wanted me to touch on as part of Not your not really. review? No. That's okay.","start_word":589,"end_word":654,"sentiment":"neutral","sentiment_score":0.13461986184120178},{"text":"That's absolutely fine.","start_word":655,"end_word":657,"sentiment":"positive","sentiment_score":0.43636390566825867},{"text":"So if you like, I'll start by just giving you a bit of an update here on your super. So having a Yes, look back please. at your review last year, your balance then was about a 114,535 and 79<unk>. Your Mhmm. balance this year were upwards of a $153,001.63 and 2<unk> there. So, obviously, contributions Mhmm. So when I have a look at your portfolio as a whole, and I'm also sending you an email to see you do have those documents in your email to review there as well. But, essentially, the the portfolio hasn't hasn't performed very badly. It's actually performed quite well.","start_word":658,"end_word":764,"sentiment":"neutral","sentiment_score":0.10369320729068508},{"text":"After Mhmm. the last twelve months, it is showing a net after tax after fees return of 9.23%. So that is actually a very good return.","start_word":765,"end_word":790,"sentiment":"positive","sentiment_score":0.4662089943885803},{"text":"Looking Yes. at your portfolio, you're in you're in that balanced growth kind of environment. So, generally, that's where you see about 70% of your super invested in growth assets. So thinking things like in shares, international shares, listed property, and commodities, so some gold and silver in there as well, and then the other 30% in lower risk defensive investments like cash, bonds, and fixed interest. So this kind of a portfolio, you're sort of averaging chasing a return of around about six to 8% there.","start_word":791,"end_word":877,"sentiment":"neutral","sentiment_score":0.22887301445007324},{"text":"So the fact that you've got a 9.23% after fees shows that your portfolio has definitely outperformed for the year, and that's a Mhmm. good solid return.","start_word":878,"end_word":904,"sentiment":"positive","sentiment_score":0.4753077030181885},{"text":"Okay? Yes.","start_word":905,"end_word":906,"sentiment":"neutral","sentiment_score":0.2805752158164978},{"text":"Beautiful.","start_word":907,"end_word":907,"sentiment":"positive","sentiment_score":0.49344775080680847},{"text":"Some people do prefer a dollar figure as opposed to a percentage.","start_word":908,"end_word":919,"sentiment":"neutral","sentiment_score":0.21316221356391907},{"text":"So when you look at the gross and the income component there as a dollar figure, your portfolio has made about $13,468 for the year. So it is a good return.","start_word":920,"end_word":950,"sentiment":"positive","sentiment_score":0.36839672923088074},{"text":"Right. We've seen a lot of ups and downs this year, so very happy with that, and we certainly wanna make sure we're compounding that forward for you as well. Okay? Yep. Sure.","start_word":951,"end_word":983,"sentiment":"neutral","sentiment_score":0.3031559884548187},{"text":"Beautiful.","start_word":984,"end_word":984,"sentiment":"positive","sentiment_score":0.42881691455841064},{"text":"I did have a little bit of a look at the underlying investments there. As I kinda mentioned, everything's been doing quite well. There is this one investment within your portfolio that looks like it has sort of underperformed a little bit. It hasn't sort of held your portfolio back in any way this year. But you've got the Australian Equities. Do you look at your super fund or look at have 24 very often, Christie? I don't really check my super funds quite often. No. That's okay. Is that Yeah. something you just sticks away in the Yeah. Just, like, leave it to background? the professionals to handle. Oh, well, thank you. Well, no. Honestly, look, everything, as I said, has been doing quite well, but you were originally recommended to invest some of your funds in the Benelon Australian Equities Fund that was giving you exposure to the Australian market. Essentially, that managed fund in your portfolio holds anywhere between 15 to 20 different investments depending on what they're invested in. And that sort of managed fund is more of an actively managed fund. So the investment manager of Van Along is trying to outperform against the market. They're trying to buy and sell and pick the top and the bottom and pick their way in to and outperform against the benchmark or the market, essentially. Mhmm. Active managers don't always kind of hit that mark. In fact, very few of them do it every year. I've never seen any of them have hit the mark every single year. And to have a little bit of active management in your portfolio, you do pay a little bit more in management fees for doing so. So it does cost a little bit more.","start_word":985,"end_word":1277,"sentiment":"neutral","sentiment_score":0.013362372671623489},{"text":"It is unfortunately underperforming a bit at the moment.","start_word":1278,"end_word":1286,"sentiment":"negative","sentiment_score":-0.5198050737380981},{"text":"So when I've kinda had a look at your portfolio, having a look at what Benelon's been doing, we do wanna look at removing that from your portfolio, maybe doing an investment switch, having a look at all the investments in your portfolio, seeing how they have performed, and if there's maybe a portfolio after that performs a bit better. Are you comfortable Mhmm. with maybe maybe having a look at that for you and updating the advice to see if there's, you know, some better investments out there for you? Oh, yes, please. Yeah. Beautiful. Oh, good. Are you okay? Do you need a second? I'm so sorry. Coughing. No. No. No. That's fine. You're okay? If you Yeah. need Yeah. a second, me to stop.","start_word":1287,"end_word":1413,"sentiment":"neutral","sentiment_score":-0.031271081373799504},{"text":"Honestly, it's absolutely fine.","start_word":1414,"end_word":1417,"sentiment":"positive","sentiment_score":0.34500887989997864},{"text":"Uh-huh. That's okay. It just has some chocolates Oh, from the supermarket before.","start_word":1418,"end_word":1430,"sentiment":"neutral","sentiment_score":0.11507254093885422},{"text":"So sweet.","start_word":1431,"end_word":1432,"sentiment":"positive","sentiment_score":0.34737730026245117},{"text":"look.","start_word":1433,"end_word":1433,"sentiment":"neutral","sentiment_score":0.2825596332550049},{"text":"Enjoy that.","start_word":1434,"end_word":1435,"sentiment":"positive","sentiment_score":0.33446115255355835},{"text":"Is it so it make you cough a little bit afterwards? Or Yeah. oh, beautiful. No. Enjoy that. We all just have a little bit of chocolate here and there. There's nothing wrong with that. Dangerous. Oh, all good. Now, Christy, with your portfolio, there's a couple of different investments I've been sort of looking at that we can look to replace that then along with. Mhmm. You can having a look at your agent stage now, are you sort of looking at your goal? Are you looking to sort of wanting to access super at around about the earliest point that you can, say, age 60, or are you sort of thinking you're probably gonna work a little bit longer? What's your goal for accessing your super? I wanna retire as soon as possible. As soon as possible. Understandable. So, Yes. realistically, you can access super under the current legislation at the age of 60 if you choose to retire at that point. And Yep.","start_word":1436,"end_word":1601,"sentiment":"neutral","sentiment_score":0.05827651917934418},{"text":"you get full access to your Super. No restrictions, and it's tax free, which is great.","start_word":1602,"end_word":1617,"sentiment":"positive","sentiment_score":0.4052318334579468},{"text":"Yep. What I can be doing is looking at essentially, the main reason I'm sort of looking at this is to assess your time horizon because we can replace that along with another active manager, or I could look at investments which might be a bit cheaper, might have more diversification, obviously, because you are in your fifties. Having a cheaper investment means that there's more money in your super compounding working towards towards your goal of accessing your super there. Did Yep. you want me to look at something more actively managed like you had in there, or do you wanna look at a cheaper investment that, you know, still provides great growth and has performed well? I don't know. If you were me, what which option you would you like to choose? If I was you, I'd honestly be looking to try and boost my super any way possible. So looking at maybe reducing investment fees, looking at having a diversified port you know, diversified portfolio, but looking to diversify as much as possible. So I'd be Yep. sort of steering away from that. If it was me, I'd be sort Uh-huh. of steering away from the active management in my portfolio, looking to be more passively, Yeah. cheaply managed, but still wanting Yep. to get good returns. But that's Yeah. just Yeah. me. And is that That okay sounds for good you? to me. Sounds good Yeah. to me. One of the biggest things to consider is when you do have those active managers in your portfolio, because they are to time the market, they are taking a bit more risk to do so. And Benelung, Mhmm. as I mentioned, has generally anywhere between 15 to 20 different investments depending on what they're holding. Whereas I could look at a passively managed funds that might have 200 investments in it. Therefore, it's Mhmm. giving you more diversification. It's holding more more investments on the Aussie market, and it gives you more diversification, which can lower your risk level and be a cheaper investment Mhmm. as well. If you can save fees here and there, it means you have more money and you're super working harder compounding towards your your goal. Does that make sense? Yeah. Yeah. That makes sense. Yeah.","start_word":1618,"end_word":2000,"sentiment":"neutral","sentiment_score":0.0614557417581349},{"text":"Beautiful.","start_word":2001,"end_word":2001,"sentiment":"positive","sentiment_score":0.4695093631744385},{"text":"Well, I'll go back and review the portfolio, have a better look at the options there. It does take a couple of weeks to do the research. So once I have that research completed, my team will book you back in, and I can go Mhmm. through the advice with you. You can have a look at what I'm recommending, how, why, what the advantages, disadvantages, and the risks are. Does that sound Yeah. Yeah. okay? Sean. I sound okay. Yep.","start_word":2002,"end_word":2082,"sentiment":"neutral","sentiment_score":0.08364425599575043},{"text":"Fantastic. Excellent. Beautiful.","start_word":2083,"end_word":2085,"sentiment":"positive","sentiment_score":0.5999144911766052},{"text":"So just wanted to go through I'm looking I'm working on the age of 60 for you there as well. I also wanted to have a bit of a look at the insurances here. So I can see with your insurance cover, you have, at the moment, your life, your TPD, and your income sorry. No no income protection. Just your life and TPD, which is paid out of your super fund. The Mhmm. current sum insured is 420,000 there. And with the premium for the year, you actually paid one thousand and forty seven and ninety dollars out of your super fund for that. Just Mhmm. to kind of review the insurances with you, if you were to pass away, so looking at life to begin with, what is it that you were sort of hoping to cover? What would you want your life insurance to cover for you? Because I'm in positive cash flow since Yeah. end of last year. So I'm not sure what Yeah. to cover. I That's don't have okay. any children. Yeah. No. Yeah. That's And okay I have because assets, yeah. and I have Mhmm. savings. So and I have super Yeah. I have insurance. So I don't know what to cover. Nothing to cover. No. That's okay. So I can see here that you do have your investment property in Brisbane. We did Mhmm. originally have sorry. Last year, you had a, I believe, a value of 466,000 on that one, and it shows you that you still had a debt owing of about 4,000. Do you still have that loan open? No. No. That's The all being the closed the up and paid for? Yep. no. The the loans, I Yes. I still keep the loans, but Yep. they they are all balanced about a 100% by the offset account. Okay. Beautiful. So you technically owe nothing on the loan. This is open and fully offset. Yes. Yep. Yep. I've also got down here the I believe you've got a property in Cleveland, a townhouse Yes. that your parents are living in. Is that right? And you had a value of 563,000 on that property. Would you keep the value about the same? There might be day for the property value. Yeah. Let me log in to myrealestate.com to see the new evaluation. For Yeah. that, would you want me to do that? That's the one in Cleveland. Yeah. Only the one in Cleveland. I'm so sorry. I missed that. Sorry. You only for the fifth one one? Oh, we wanna update the values on all the properties just to make sure Okay. we have the Hang valuations on. up to date. Yeah. You're right. That's okay. Take your time. We start with the Cleveland one. Yeah. The high confidence is triple 7,000 Mhmm. Yep. And the one yep. This is the okay. The other one, the 42 Valley 1, the the unit or apartment, high confidence is 670 Six seventy eight. And so sorry. Was that the Brisbane eight property, or was that the other one that was valued at? Grand. 42 Valley. I don't have an address on here. I just have a value of $4.66. Would that be the Brisbane investment property that was valued at $4.66? Yeah. I think so. Yep. This is the do you need the address at all? I might actually just put the suburb down just so I can allocate the difference between the three properties for you to Yeah. make it Yeah. easier Yeah. on you. Yeah. Yeah. This is at Fortitude Valley, an Yep. apartment yeah. The high cost oh, and mid range is 60 678 k. Yep. Yep. High range is $7.30 k. I'm not sure which value would you wanna put in. That's okay. And That's not a problem. the the yeah. The Cleveland one High range is a 40 k. $8.40. Mid range is triple 7 k. Yep. Beautiful. And the last investment property I had here, I don't have a suburb. I'm so, so sorry, but it does have the last valuation was 1,200,000. Oh, What suburb yep. is That's your other McGregor. investment? McGregor? Beautiful. Yeah. That one, mid range, is 1,590,000 now, and high Wow. range will be 1.88 Fantastic.","start_word":2086,"end_word":2800,"sentiment":"neutral","sentiment_score":0.003478785035024573},{"text":"Beautiful. Excellent. Thank you for that.","start_word":2801,"end_word":2806,"sentiment":"positive","sentiment_score":0.6787126660346985},{"text":"And so, realistically, all the properties, you don't owe anything on them. You just have the loans open in case you wanna use the funds million. again, Yes. and you have it fully offset by Yep. the offset account. Do you have an offset account for each of them, or is it under one offset account at all across the queue? Oh, I have the Cleveland one, I have two offset accounts because there there were two Yep. loans. Right. And the other two properties, one of the account each, yeah, Okay. all a 100% offset, and they just putting back the principles to the bank. Yep. Yep. And it's, like, automatic payment through the offset accounts, so I don't have to Yes. worry about the or Yeah. time Just due paying day the loan or off. yeah. Yeah. Yeah. Yeah. Yeah. And I don't wanna pay off them because I will need the I I I might need the, like, the accessibilities to the funds in Yes. case then yeah. Any, Yeah. like, flexibilities. Yeah. Yeah. Absolutely. Can I just get you to run through the offset accounts just to give me the balance in each of those just so I can update all of your assets and liabilities here? Yeah. That's Oh all. my. Open my app. Did I Sorry. tell you this secret? Did did I tell Is you this secret last year? that no. No. Oh, okay. Offset No. We don't we just yeah. Just have it noted down here that it's sort of offset fully. We don't really have the updated values. That's okay. Yeah. account. Yeah. Yeah. The the two offset accounts balance for the Cleveland property, just roughly 190 Yep. Yep. 1,000 Yep. Perfect. for one, and the other is 40,000. Yep. And the one for the Fortitude Valley is Yep. twin 230,000, Yep. and the Mcgrewa one is 218,000.","start_word":2807,"end_word":3123,"sentiment":"neutral","sentiment_score":0.04509739205241203},{"text":"Beautiful. Lovely.","start_word":3124,"end_word":3125,"sentiment":"positive","sentiment_score":0.4662513732910156},{"text":"And I'll just make a note here. So just paying the principal back from the offset account and fully offset. So no technically loan.","start_word":3126,"end_word":3149,"sentiment":"neutral","sentiment_score":0.11523173004388808},{"text":"Beautiful. Excellent. Thank you for updating all those details there for me.","start_word":3150,"end_word":3161,"sentiment":"positive","sentiment_score":0.6250618100166321},{"text":"So when we kind of look at your insurances and why it's kind of important to update all of your assets and liabilities is because we generally have life and TBD cover. Well, life especially to pay out a lump sum benefits to our beneficiaries if we were to pass away. Mhmm. Normally, we have life cover to sorta help our beneficiaries pay off any debts that we have or provide additional income. So having a look, I've got down here that your, Mhmm. sorry, your partner is Paul. Is that right? Yes. Yep. You're not technically married. I've got de facto. Is that correct? If it's wrong, let Correct. me know. Yeah.","start_word":3162,"end_word":3274,"sentiment":"neutral","sentiment_score":-0.002975364914163947},{"text":"It's Beautiful. still de facto. Yeah. Beautiful.","start_word":3275,"end_word":3281,"sentiment":"positive","sentiment_score":0.4238322377204895},{"text":"So if in the event that you have passed away, you have these properties here. And whilst the loans are fully offset, so if anything happened to you, he could realistically use the money, pay out the loans, keep the properties, and generate the income. Do you wanna have any life cover that pays out a lump sum benefit to him? Do you feel like life insurance is still important to you being that you are technically debt free? You've got those properties, but you don't have any I don't I think the beneficiary shouldn't be Paul. Instead, it should be my loans mom open at because the moment. So we are yeah. financially a 100 independent. She had he has his own portfolio. He has his own Yep. investments. Yeah. So we just financially total totally independent. Yep. And That's can you okay. check the beneficiary Beneficiary? for my Yeah. insurance? Would that Absolutely. be my mom? Awesome. Just having a look to pull that for you now. But under the current legislation, you actually can't nominate your mom as a beneficiary for your insurance policy Oh. because she doesn't really fit the criteria, they have a real strict criteria around nominating a beneficiary when insurance policies are held inside super. So there is a way around it. I can definitely help you to get around it. I've Yeah. got down here and I'm so sorry. I'm probably gonna say this name. Is What's your mom's name? Can I get you to let me know? it Huazhang, h e o It a is. n z Yeah. h a n g? Yeah. So at the moment, under the legislation, realistically, a beneficiary needs to be one of four options. It needs to be a spouse, a child, or an other financial dependent. So does your mom rely on you financially? Do you pay her bills, you know, help her to live? Does she rely on you financially for everyday living expenses? It's hard to say. She gave Yep. all her money to me, and I managed for Right. Yep. her. Yeah. So Yeah. I I I do pay for all the bills, including the accommodation, all the utilities, and the yeah. food, daily living in Australia. Yep. So all the bills Right. paid to So me. real yeah. So because she still gets money and she pays that to you, she's not necessarily seen as Dependent. financially dependent on you because you're paying her bills with her money. So the way around this, if you are wanting it to be your mom, you do have another option. On the form, we have what's called a legal personal representative. That essentially, Mhmm. if you tick that box, means that if you were to pass away, your life insurance proceeds are directed to your will. And in your will, you just need to nominate in the body of the will or have a solicitor to help you Mhmm. that you want the life insurance proceeds to be paid to your mom or if you want a step percentage or however much you want paid to your mom. You just need to have that direction set up in your will. So because Yep. the life insurance policies are held inside super, the policy owner is actually the super fund. So AIA are the policy owner, and you're the life insured. And because it is a super policy, they have these not fun rules, and they essentially stipulate who we can and can't nominate as a beneficiary. But there is a way around that. So if you Mhmm. like, it would be beneficial to have the beneficiary updated.","start_word":3282,"end_word":3895,"sentiment":"neutral","sentiment_score":-0.025068430762422492},{"text":"And we would if you're still wanting your mom, it's absolutely fine. It's more just a matter of ticking that legal personal representative box and a 100% nomination in the percentage line, and then Mhmm.","start_word":3896,"end_word":3930,"sentiment":"positive","sentiment_score":0.3910806179046631},{"text":"having that, redirected to in the event that you passed away to your estate and then making sure your will is updated to reflect that you want that money paid to your mom, essentially. Does that make sense? Yeah. Sure. I haven't got Yeah. time got to my bill yet. No. That's understandable. Would you like my team to prefill the nomination for you to cover that? Is that what Yeah. Yes, please. you yeah. That's okay. We just have to get direction because we're not really allowed to prefill a beneficiary nomination unless you're approving so. But are you happy with us maybe taking that legal Mhmm. personal representative and putting a 100% in the percentage box for you and then resending it out to be signed and and sorted to get it Yeah. up to date for you and valid? Yeah.","start_word":3931,"end_word":4073,"sentiment":"neutral","sentiment_score":0.11779164522886276},{"text":"Beautiful. Lexham, so I'll get my change to it over the next couple of days.","start_word":4074,"end_word":4088,"sentiment":"positive","sentiment_score":0.3745552301406861},{"text":"Is it easier, Christie, if they post it to you or email? What's generally easier for you? I can do both if you like. Can close to my address, 60 Williams Drive. Yeah. Absolutely. We'll do a post. Not a problem at all. And I can see here your super beneficiary, you have the same thing. So it looks like it is your mom, but, again, it she doesn't quite qualify. One of the main things is as much as the super and it looks like the life insurance has accepted the beneficiary nomination. What it comes down to is if you were to pass away, she would have to make a claim against that. And at the time of claim, she has to be able to prove that she is interdependent on you, that she relies on you financially. If she can't prove that, then the super fund and the insurance company come back and go, sorry. Claim denied. The benefit is not payable, and then it goes through a probate process, which is not really what you want when something like that No. happens.","start_word":4089,"end_word":4274,"sentiment":"neutral","sentiment_score":-0.057686641972552063},{"text":"Your No. your poor mom's going through enough at that point in time.","start_word":4275,"end_word":4287,"sentiment":"negative","sentiment_score":-0.4098273515701294},{"text":"Yeah. So I can do the same thing for your super. Are you wanting your super to be directed to your mom as well in the event of passing? Yes, please. Yeah. Absolutely. Are you comfortable with us pre filling the the super nomination out to your legal personal representative as well? Yes, please. Yeah.","start_word":4288,"end_word":4342,"sentiment":"neutral","sentiment_score":0.10456151515245438},{"text":"Lovely.","start_word":4343,"end_word":4343,"sentiment":"positive","sentiment_score":0.503156304359436},{"text":"And are you happy with me putting a 100% to your legal personal representative so the whole amount goes to your to your will and then directed out that way? Yes, please. Yeah.","start_word":4344,"end_word":4376,"sentiment":"neutral","sentiment_score":0.2962340712547302},{"text":"Beautiful.","start_word":4377,"end_word":4377,"sentiment":"positive","sentiment_score":0.5927796363830566},{"text":"My team will prefill both those documents there. When they do come through, you'll just need to get them signed and witnessed, but we'll have a little cover letter that lets you know. I think one of the most important things is making sure that your wishes are adhered to. And the last thing Yep. your poor mom needs is if if you were to pass away, we hope nothing happens. I want you to get to retirement and enjoy your life. But if Yes. anything was to happen, the Yeah. last thing she needs is going through that hard process and having everyone come back and go, sorry.","start_word":4378,"end_word":4486,"sentiment":"neutral","sentiment_score":0.04536386579275131},{"text":"You don't qualify and making her life a lot harder.","start_word":4487,"end_word":4496,"sentiment":"negative","sentiment_score":-0.36303749680519104},{"text":"So, yeah, Yeah. That's true.","start_word":4497,"end_word":4501,"sentiment":"neutral","sentiment_score":0.04418323561549187},{"text":"we we can absolutely help you with that.","start_word":4502,"end_word":4509,"sentiment":"positive","sentiment_score":0.3357907831668854},{"text":"So you still wanna keep your life cover. Are you happy with the 420,000 that you're insured for keeping at the same at the moment? What would you think? What's your what are your Well, thoughts? it really just depends on you. I mean, it's more just about what happens to your mom. Can I ask how old is your mom? My mom is getting she's over 80. She's Wow. she's 82 this Wow. Is she in a in a assisted living facility or living at home? year. Living at home independently. Wow.","start_word":4510,"end_word":4602,"sentiment":"neutral","sentiment_score":0.013146638870239258},{"text":"She's doing well. She's doing very well. That's fantastic.","start_word":4603,"end_word":4611,"sentiment":"positive","sentiment_score":0.5279186964035034},{"text":"Yes. So, realistically, do you think if you if you were to pass away having your life insurance and your super, you've got 420,000 of life cover and currently a 153,000 of super Yes. there. So that's essentially giving her, what, say, $5.07 573,160 of money. Do you think think that would be comfortable to help her, you know, stay at home longer, pay for, you know, additional Yes. Of course. services, or do you think that that might be too much? Or what's your thought? It doesn't really matter. And it's also the, like, the legacy from her to the next Yeah. next generation too. Yeah.","start_word":4612,"end_word":4718,"sentiment":"neutral","sentiment_score":0.0841047440733865},{"text":"Absolutely. Yeah. She could.","start_word":4719,"end_word":4722,"sentiment":"positive","sentiment_score":0.4262820780277252},{"text":"Yeah. She I mean, if she's in her eighties and doesn't spend all of that and doesn't do much, she can also then leave that in her will to, you know, her grandkids or whoever she wants to have that Mhmm. left to as well after So that's absolutely fine. Yeah. Yeah. Yeah. Yeah. Just like well, this this money are not for myself. This was Yeah. my Absolutely. maybe my niece and nephews. Yep. Yeah. So doesn't really worry me too much. No. That's absolutely fine. You've Yeah. also got some total permanent disability there. So total permanent disability can pay out either a lump sum in sorry. A lump sum benefit or an income stream. Stream. If you're fully disabled and unable to go to accident, so unable to go back to work ever again. So think with TBD that you maybe broke your back or had a car accident and you were just never able to work again. This Mhmm. Mhmm. can pay at a lump sum benefit or an income stream. Now TBD, if you claim and you're 60, is actually taxed. It's unfortunately taxed, and it can be taxed up to 22%. If you work a claim on TBD, we as advisers would help by providing advice to help limit that tax consequence. But Mhmm. because realistically, if you were TBD, looking at your circumstances, you could use the, you know, the funds that you have in the offset accounts, pay off all those properties, close the loans completely, you could then draw income from each of those properties. I know your mom's living in the Cleveland property at the moment, but Yes. the other properties do obviously provide income there. Do you think the additional 420,000 in CBD is sufficient? Do you are you happy with that level of cover? Do you think you might need more or less? I think It's it's hard to say. Yeah. Well, I I need I don't need to pay out of pocket for it, or it's it came it comes from my super. hard. Right? It's it's paid for out of your super. Yeah. Definitely. Yeah. And, Out look, of you my don't pay supers. a lot for it. Yeah. But if we had a bit of a look, like, if I because your income at the moment, I've got you earning about $66,003.94. Is that still accurate, or has your income changed No. a little My income has changed because bit? I Okay. as we talked last Yeah. time, yeah, about Yeah. the the the super contribution, I originally actually changed my business structure from sole trader to proprietary limited. Yeah. Yeah. You mentioned that. Yep. And Yeah. your Yeah. income Yeah. was changing a little bit with Yeah. So my income level that. should be Yeah. increased to, say, Definitely. between $1,010,000 to 20,000 per month. Okay. Yeah. Well, just, say, put in the, like, a smaller end, like, Yep. 10,000, like, Yep. more conservative Yeah. for for a whole year. It's just for for my my business income. Yeah. It's growing. It's And then doing really well. oh, yeah. I don't want to work so hard. And also the the passive income from the two investment properties, yeah, the rents have been increased too. And Yes. there's Okay. no not much interest to offset negative No. gearing. No. Yeah.","start_word":4723,"end_word":5287,"sentiment":"neutral","sentiment_score":0.0029700844425015745},{"text":"So it's they they have become positive Positively income. good.","start_word":5288,"end_word":5297,"sentiment":"positive","sentiment_score":0.454204261302948},{"text":"Yeah. Yeah. So that's why I had to change the business structure in a hurry. Yes. Yeah. Yes. Yeah. No. That's okay. That's completely fine and understandable. So with the 120,000 we're estimating your income to be at, is that including the income from the income from the investment properties? No. No. That's Purity on from that'll be the on business. top of that. Yeah. Okay. Yes. Yeah.","start_word":5298,"end_word":5365,"sentiment":"neutral","sentiment_score":0.04240331053733826},{"text":"Lovely. Excellent.","start_word":5366,"end_word":5367,"sentiment":"positive","sentiment_score":0.510033905506134},{"text":"So with the income from the investment properties there, how much do you estimate you're probably getting from those alone on From those properties? yeah. Yeah. You mean the rental income? Yeah. Currently, the 42 Valley Valley one, the weekly rental is $6.30, Mhmm. and the one at McGregor is $8.90. Okay.","start_word":5368,"end_word":5419,"sentiment":"neutral","sentiment_score":0.06719944626092911},{"text":"Beautiful. So when you sort of have a look at that, that's giving you and it's positive income flow as much as it means more tax for yourself. It's good that they're getting income.","start_word":5420,"end_word":5453,"sentiment":"positive","sentiment_score":0.451254278421402},{"text":"So we're $8.90 and $6.30. So it's about $1,500 per week from those. So if you sort of had to think about being TBD, so permanently disabled and never able to go back to work and, you know, be self employed doing your job again, your investment properties are currently, you Mhmm. know, say times that by a year. It's about 79,000 per year. Yes. If you then got your, say, how much do you do you think you would need to keep that $120,000 income if you were not working, if you weren't able to do your employment? Do your living expenses kind of equate to that, do you think, or do you think you'd be able to live on a Yeah. I think I basically can live on the passive passive income on the rentals. Yeah. like, roughly, give or take, about $79,000 per year there from that's rental income alone. If you were unable to go back to work, you can you do have the option with the TBD. We also claim TBD against your super so you can have that released. That's another, well, $573,001.63 you could get released for additional Mhmm. income or buffers, you know, for yourself to support yourself. Yes. And then you've also got that, you know, 79,000 of rental income coming for those properties as well. Do you feel like that would be sufficient? Do you feel like TPD is important to keep for the time being, or would you rather look at canceling your TPD knowing that your rental income would be sufficient if you were not able to work to work anymore? What do Just you think? keep How do it. you feel? Just Yeah. keep Just it? keep Yep. it. Just keep it. Yep.","start_word":5454,"end_word":5749,"sentiment":"neutral","sentiment_score":0.04596397713632197},{"text":"Yeah. Beautiful. Peace of mind.","start_word":5750,"end_word":5754,"sentiment":"positive","sentiment_score":0.5937374234199524},{"text":"It's, yeah, it's a bit of a tough one, but it's more just about looking at what your goals are, trying to work out how what your circumstances are, whether the insurance you're paying for is appropriate, whether you wanna keep it, and what the outcome could look like if something was to happen. What does the payout look like? How could this support you, and would it be a good enough buffer for you as well? Yeah. Yes. Or if if you didn't have it, what do you, you know, what do you receive income wise, and does that give you enough income as well? Because living expenses increase. Life gets expensive. Mhmm. And there is also the chance I mean, your rental properties are doing really well, and, you know, you might have them occupied really well all the time, but there might be a chance in the future where they're unoccupied for a certain point of time. So, I Yeah. mean, having some CBD could provide you with a bit of a buffer if they were unoccupied and there was no rent coming from one or two of those for a short period of time. So it's about just assessing risks and goals and making sure that the cover you have is appropriate to you. Yep. In Yep. saying that, by the age of 60, if anything happens and you're fully retired, realistically, we shouldn't need any more insurances. We should be able to, if we're not working, retire, take our super, not need insurances, and save that money on premiums Yes. as well. Yes. Yeah. Yes. Okay. Does that make sense? Do you have any questions? I know I've gone through quite a bit with the insurances and talked a lot about them, but do you have any questions? Did you want me to break anything more down for you? I think that's okay. Yeah. Yeah. Just Yeah. That's okay. yeah.","start_word":5755,"end_word":6079,"sentiment":"neutral","sentiment_score":0.0838683858513832},{"text":"Thank You you.","start_word":6080,"end_word":6082,"sentiment":"positive","sentiment_score":0.3986284732818603},{"text":"don't that's alright. You don't have any income protection at all, Christie, but, obviously, No. with your self employed business, it's doing really well. You're a company now as well, and you do have your rental income that is sufficient income wise. You don't wanna apply or look for any new insurances. You know, realistically, you don't technically need income protection at the moment because if you were not working in your business, your rental income still does provide. And you are a company Yeah. now as well, so you might still be able to draw income out if there's extra money in the business as well. Are you comfortable with not having any income protection? Did you wanna look at anything additional insurance Yeah. I thought about this income protection insurance, but it seems we might have discussed this last year as well. wise? Yep. And it doesn't seem the income protection insurance will do me, like, will help me too much.","start_word":6083,"end_word":6245,"sentiment":"neutral","sentiment_score":-0.05761202797293663},{"text":"No.","start_word":6246,"end_word":6246,"sentiment":"negative","sentiment_score":-0.3341788053512573},{"text":"No. The biggest No. thing with income protection is with essentially, in order to claim, they're gonna then provide, mean, you can obtain it and apply for it absolutely fine. They'll you can apply for income protection for up to 70% of your monthly income, so 70% of your, say, 120,000 there. But, essentially, Mhmm. if you were to then claim because you have your rental income coming in, they'll ask you to provide payslips, but they'll then also ask you to provide tax information showing the rental properties, the income you have done coming in. And they essentially take the amount you're covered for, what you're eligible to claim, and they look at what other income you come have coming in to offset that. So if your rental properties are paying enough income that, you know, offsets majority of your protection policy, then they're realistically not gonna claim. Oh. So essentially yeah. So it does make it very difficult because any income protection claim that you make, they will offset by any other income coming in. They look at whether you've got income from self employed that you can be receiving when you're off work, whether you have rental property income that's coming in, like the rent you have coming in. And they do offset or, you know, reduce the amount you're able to receive by the payments or able to get on a regular basis as income. So there is a chance or a risk that you may not be able to claim the full amount that you can be paying for essentially, which Oh, yeah. probably So makes that the premiums doesn't not yeah. worth It it. doesn't make sense to me. It doesn't Yeah. accept that I'm paying the same premium Yeah. but not getting the benefits. That's exactly right. And that's probably one of the biggest things is you do pay a lot of money for insurances. So you wanna be able to claim on them. But, I mean, look, your position isn't bad because as you said, your your rental income positively gears with your properties there. So if you weren't able to go to work, and we certainly hope nothing happens. We don't want you to be off work and claiming, but it does obviously show that your rental properties would still provide some income. So you do have a a bit of backup there and can still survive and pay bills and things like that. Yeah. That's That. true. Especially, they are Yeah.","start_word":6247,"end_word":6667,"sentiment":"neutral","sentiment_score":0.022002009192654187},{"text":"all positive income.","start_word":6668,"end_word":6670,"sentiment":"positive","sentiment_score":0.4529400169849396},{"text":"I don't need to pay the Absolutely. the interest. Yeah. Yeah. Absolutely. And Yep. can I just ask I can see because you do have the three rental properties here here at the moment? The property that you're living in, is that owned by yourself, your partner, or is that a rental property you're living in currently, your main primary residence? 60 Woodland Drive is my partner's family trust, I think. Right. Yep. Yeah. Okay.","start_word":6671,"end_word":6745,"sentiment":"neutral","sentiment_score":0.01496642269194126},{"text":"Perfect.","start_word":6746,"end_word":6746,"sentiment":"positive","sentiment_score":0.42183107137680054},{"text":"Yeah. Yeah.","start_word":6747,"end_word":6748,"sentiment":"neutral","sentiment_score":0.2325306236743927},{"text":"So I I live Beautiful. here for free, of course. That's okay. Absolutely. I'm sure you give plenty back to the relationship.","start_word":6749,"end_word":6770,"sentiment":"positive","sentiment_score":0.42418867349624634},{"text":"No. All good. And you do have a trauma policy here that you are paying for out of pocket. It does give you a lump sum tax free benefit in the event of a major traumatic diagnosis, say things like cancers, heart attacks, strokes, Yep. things like that. Yep. The the current benefit you have is 66,336 and 90<unk>. Are you happy with the trauma policy you have? Did you wanna look at altering that? Are you happy with the way it I don't know. What what's your advice? is? Well, it really just depends on what your goals are, what what happens. So, realistically, with the trauma policy, if you were to say be diagnosed with, say, a cancer or you had a heart attack or a stroke, Mhmm. if you claim claimed on the trauma policy, it would, at the moment, pay out a lump sum benefit of $66,336.90. That is paid directly to you. It is tax free. It is a Mhmm. very quick payment to receive. Mhmm. You could be using that to, you know, continue, you know, paying bills, looking after yourself, include that with the rental income that you are receiving to kind of, you know, support yourself a little bit longer if you're unable to get it back to work or if you just need extra support while you're not working. We could look at increasing the trauma policy if you wanted to because realistically, income protection may not work for your circumstances, Mhmm. you can also claim trauma. This it's made just a major diagnosis. So if you broke a leg or, you know, hurt your back or something, you can't claim on trauma for those purposes. But a major diagnosis, it can be used instead of income protection.","start_word":6771,"end_word":7067,"sentiment":"neutral","sentiment_score":-0.04813998185022913},{"text":"There is the risk, though, that if you, you know because with income protection, you could claim if you broke a leg or broke a back or something like that. So there are risks that you may not be able to claim on the policy, but it just comes down to the level of cover you have and what you're paying.","start_word":7068,"end_word":7128,"sentiment":"negative","sentiment_score":-0.4271109998226166},{"text":"You're paying $50 a month for the trauma policy out of pocket. Do you feel like the level of cover you have is enough for what you might want to give you a buffer before going back to work or to help support yourself to give you a bit of extra funds with your rental income if you, you know, were diagnosed with cancer or had a heart attack or a stroke or Parkinson's, say? How do you feel about the level of cover? You know, does it mean much to you? Do you wanna review it? Talk more about what what you'd wanna pay for a cover.","start_word":7129,"end_word":7236,"sentiment":"neutral","sentiment_score":-0.014316932298243046},{"text":"It's a difficult one.","start_word":7237,"end_word":7240,"sentiment":"negative","sentiment_score":-0.4616119861602783},{"text":"I know. I'm sorry. How much am I paying per month? Yeah. $52.73 per month for it out of your back I'm sorry. Can you say that again? pocket. Yeah. $52.73 Oh, fifty. per month. Yeah. Yes. Yeah. So it's It's about $632 per yeah. Can you review this trauma year. policy for me and give me Yeah. a recommendation? Yeah. Did you just wanna look at maybe a cheaper policy for the same level of cover, or did you wanna what sort of recommendation were you after? Maybe Do higher you see benefits. yeah. Better benefits. Yeah. If, yeah, if you were to say if you were to say be diagnosed with a major traumatic illness or injury, like you had cancer or a heart attack or something, Mhmm. what what do you think you might need to receive from trauma? Do you think you wanna maybe cover one year's worth of gross income from your business, or do you think you wanna maybe cover yourself for two or three or five years worth of income from your business? How much do you feel like you might need in the event of something happening? Maybe just cover one year. Yep. One full year, so about 120,000. Yeah. Yeah. Yep.","start_word":7241,"end_word":7450,"sentiment":"neutral","sentiment_score":-0.02789399056207566},{"text":"Perfect.","start_word":7451,"end_word":7451,"sentiment":"positive","sentiment_score":0.4965352416038513},{"text":"Obviously, when we increase trauma, the cost of that is increasing as well. Yep. I can't so I'll make a recommendation in the in the advice document as to whether we increase the current policy or increase with another provider. Mhmm. Is there a certain amount of dollar figure that you would be comfortable paying, or are you happy just to look at the increase and what that costs to make that decision for yourself? Can I have the, like, options for comparison? Well, what we do as part of the advice is we make a recommendation with one product. So we go out there, review all the different options, and then we make a recommendation and show you what the cost is. Generally speaking, yeah, I can look at a new provider, which is absolutely fine, Yes. but you do have to when you increase the policy, you have to go back to a new application again. So they're gonna wanna have a look at your health, see whether there's Mhmm. been any changes in your health from when you last completed an application for insurances. If there has been changes, if your health has changed, If there has been changes, if your health has changed, like you've had, you know, an issue with your shoulder or your back or something, there could be loadings or exclusions Mhmm. added to the new part of the policy. But the benefits to increasing with your current provider is that anything that's changed in your health only gets added to the new part of the policy. The older part stays the same. There's no underwriting or changes to the policy that's already in place. Does that make sense? Yeah. Yeah. Yeah. Nothing Yeah. happened to my health except put on a few kilos. Few kilos? Well, Put on I'm weight. that's under that's understandable. That's okay. Just double checking. Is there can I grab do you know what your height and weight is at the moment, roughly? My height Guesstimate is one. about six a hundred sixty four. Yep.","start_word":7452,"end_word":7798,"sentiment":"neutral","sentiment_score":0.0018421496321334469},{"text":"Beautiful.","start_word":7799,"end_word":7799,"sentiment":"positive","sentiment_score":0.6255462169647217},{"text":"My weight is around sixty nine kilos. Sixty nine kilos.","start_word":7800,"end_word":7809,"sentiment":"neutral","sentiment_score":0.16764548420906067},{"text":"Beautiful. Lovely.","start_word":7810,"end_word":7811,"sentiment":"positive","sentiment_score":0.7752966284751892},{"text":"I'm just quickly pulling up a bit of a quick pre assessment here. I just wanted to run through that with you really quickly just to see whether there's anything that might flag on any increase of a trauma policy that we might need to be aware of prior to looking at it. Yep. It just helps me to understand what what might be offered to you there. Now Sure. I've got your income and employment details.","start_word":7812,"end_word":7888,"sentiment":"neutral","sentiment_score":0.0909937471151352},{"text":"That's absolutely fine.","start_word":7889,"end_word":7891,"sentiment":"positive","sentiment_score":0.3413527011871338},{"text":"How long have you been self employed? For how many years have you technically been self employed?","start_word":7892,"end_word":7908,"sentiment":"neutral","sentiment_score":-0.012586621567606926}],"average":{"sentiment":"neutral","sentiment_score":0.046053111618956734}}}}