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I was actually just sending you a text message, so thank you so much for calling back. Now, Sandra, I've got you booked in for a little bit of a chat because you did an annual review with my colleague, Connor, and there was a few areas we were looking at for some updated advice strategies with the super and the insurances. Does that ring a bell? Perfect. So I just thought I'd jump into that with you today. I've had a bit of a review of his notes in your accounts and just had a few ideas to run by you. Perfect. Now first thing to kind of tackle, nice and easy, is just in terms of the superannuation. We were looking at doing a portfolio review just because there was that one investment option that he flagged with you as a bit of a concern, the Benelon option. So we're looking at a a bit of an update there. Now Yep. Yeah. So I can do a bit of a trick with that one. So if that one's gone down a bit, I can use that the the losses of it going down to offset some of the gains that you've gotten to kind of update your portfolio, and that'll kind of minimize the taxes the super pays inside it as well. Now just to kind of guide it a little bit with, Hub twenty four, your super fund, it does have the most investment options in the industry. It's got about 1,300. Now I will make a recommendation for you with what to put in there, but I just wanted to quickly ask you your preferences. And there's no real wrong answer to this question. But if you had to choose between lower fee investments or paying a higher fee to try and get a higher return, which way does your gut feeling lean you towards? Yeah. Yeah. So what you're saying basically is the net return after all the fees, as long as that's good, that's the most important thing to you. Perfect. So I do have some options in mind that I'll kind of compare and update for you. And then what I'll do is I'll update some projections, put it in your updated statement of advice plan, and then I can kind of show you what I'm thinking, make sure you're comfortable before I move anything around. That sound okay? Perfect. Now just in terms of the risk level, we've got you as a growth risk profile, which is kind of like a four out of five. Not maximum risk. You're just trying to get mostly growth, but nothing too high risk. But you're also not wanting to go too slow with it and kind of miss out on the growth. So you're sitting at 80% in growth assets like shares, property, and gold. Does that still sound okay for you? So the next level up is a high growth, and that's where we bump it up about 10% from 80 to 90. And we still keep a small portion in the safe side of things, get as much growth as we can. And then when you're closer to retirement in those last seven to ten years, we can reduce it back down and and make it safer. You know, you don't wanna be 64 and lose half your super a year before you go to live on it, if that makes sense. Perfect. So I'll keep it as a growth risk level. I'll just switch the options around and not increase or decrease your growth assets. Perfect. Now outside of that, just having a quick look at the insurance side of things because you have had your second child, and I have noted a few things that it kind of stand out to me with regard to your insurances. Now you have this ClearView policy where you've got life insurance, total disability, and income protection. So if you pass away, if you can never work again, that's your lump sum covers where you've got 1,100,000 and 700,000. And if you're out of work for two months, then you get that temporary income protection kicks in with a monthly amount for up to five years if that rings a bell. Now what I can sort of see here is there's a couple of ways to do it. So based on your fact finding your assets, I've got your home here where there's no debt on the home, but you do have some debts on the two investment properties. Now when you have that situation, let's say you're in a car accident, you can't go back to work ever again, Would you live off of the rents of the investment properties? Would you sell them to pay off that debt, or would you wanna actually be insured for that? Yeah. Yeah. Yeah. So what that means perfectly for you is we had your debts combined at about 783,000, and you've got 774,000 worth of TPD cover. It covers it almost exactly. So at that amount, I think that one should be okay to at least clear the debts off. And then in the life event, so if you were to pass away, there's another 350,000 that would come out on top of paying out those debts as well to your family. So does that sound okay for you? Go for k. So the only one that's a concern for me is the the income protection looks a little bit low. So you're basically insured for under $1,000 a week is what you would get after tax if you're out of work for two months. It's protecting an income of 67,000, but I've got your income here noted as 90,000. So what I'm saying here is that your cover amount of 3,900 a month really should be close at about 5,250 to to cover that maximum 70% of your income for your expenses. So what I'll be looking at there is just a slight increase quote just to see what it would look like to top it up. The total premiums don't look too bad. So if you're comfortable, I would like to do a bit of a a quote to see what it looks like, make sure it's affordable, make sure it's not gonna take too much fees out of the super. Does that sound okay? Okay. And just with the waiting period, so you've got a sixty day waiting period. That's how long you have to be injured or ill before the cover will kick in. Do you have enough kind of savings and leave to get you by for a month or two until that kicks in. Yep. And the benefit period is five years. So what it basically means is it covers everything short and medium term. Anything more than five years, you would basically be classed as totally disabled, and your lump sum 700,000 would kick in after that. Does that sound okay? Cool. Now what it basically looks like is the premiums are under 2,000 coming out of the super. When we increase it, I believe that'll jump up a little bit, but then you get a 15% tax rebate, which drops it back down again. And that should keep it pretty similar. You've also got your contributions and, I believe, salary sacrifice possibly as well. So I just put a flag on it. If it's above 30% of your contributions, I put a flag there just to let you know it might be getting a bit expensive. But if it does hit that point down the line as you get older, we can always trim it down again as well. Cool. Just in terms of the the contributions themselves, so I've got a bit of research happening with Mercy, which merged with HESTA, and they sent us through the sort of half the information that we asked for previously. So Michelle has just been on to them again to get the extra information that we need. But I was wanting to just double check with you your salary sacrifice. Would you like all of that to be going to the one fund, and we can just close that down again? What would be your preference? A yeah. You can have two. Well, the strange thing that I saw was I was looking at your contribution transactions, and they're actually putting you don't have two sources of income, do you? It's just the one employer? Yes. I can see summer home care. Gotcha. Now if it's easier for you, they did change the laws couple of years ago, and your their your payroll is actually allowed to pay their contributions anywhere that you choose unless there's a specific EBA, like an employment bargaining agreement that restricts you. I know some factories have that, but not so much in your space. So I believe if we did send a form through to your employer, they could actually switch it across pretty easily. Gotcha. Okay. Awesome. Okay. Well, while I get the research for that fund, that'll come through in a few days' time. Would you be okay to just ask your payroll if you can change them or if it's restricted and let me know? Yeah. And I wouldn't wanna ask you to do this every year kinda thing, but I would've I would love it if you could just quickly ask them because they do update the EVAs, and most of them that I've been seeing, they've been removing that restriction over the years depending on departments. So if we could just do that one last check, I'll keep that on file so we don't have to ask you again. And even if you can just flick us back a little email or or a quick call in while I'm doing the research and comparisons and quotes, I would love that just to have that on file. Perfect. If that is the case, we'll just do the usual rollover. That's fine. And if it isn't restricted, we can get it all consolidated so you're not paying fees for two accounts. Sound good? Beautiful. So at this point, I'll get the portfolio updated. We'll do some research on the HESTA and figure out how much we're moving around. We'll do a quote for the income protection just to get that correct. And just with the salary sacrifice, do you know how much you've got set with them? Was it a percentage base of your income, or was it like a set amount? Okay. Do you mind do you know how much that is off the top of your head? Because I know the salary packaging has a $15,000 limit for things like mortgages and health care and things like that. Are you doing salary packaging with them as well? Cool. Okay. That makes sense. Salary packaging, that makes sense because the 15 thousand's on there with the health care industry limits. That's good. Do you know if on your payslip that they're doing a salary sacrifice to super of, you know, $50 or 5% or something like that? Cool. 89994. Alright. And I don't mean to ask too much of you, and I do apologize, but would you be able to send a payslip through to me? Yeah. Just so I can break down the contributions for the the projections. I can when we get the research, I can work it back, but it'd be nice to have that. Oh, yes. It's the September 1, actually. And, so, Sandra, are you working did you say the Mater Hospital in Brisbane there? Oh, fantastic. Email address, you could just do the main one, and that'll come through to your client profile. So it's info, I n f o,@Oakview,oakview, Financial, f I n a n c I a l, dot com dot a u. K. So if you're okay to ask the the payroll about the EBA restrictions, as soon as we get the research back from Hester, I'm gonna send you an email just letting you know that we've got it and get you booked in for the updated plan. And if you could just reply to that, what they've said about the contributions, if it's still restricted, that would be amazing. Just a quick still restricted or not. You're amazing. Alrighty. The other thing too, quite a few little things. So super will fix up. The insurances will fix up. That's great. I've got that under control. There was a bit of a message that you might want to look at some investing for the children. Is that right? So with the child investments, there's these things called child investment bonds where you can you can invest for the children and and grow an amount so that when they turn, like, 18, you can basically hand them, like, a tax free amount, and that can go towards education, home deposit, that kind of thing. Is that kind of what you're leaning towards? Cool. Now usually with those, it depends on how much you wanna invest either as a lump sum or a regular amount. Sometimes we start with, like, a a low amount and put some contributions into that regularly. Do you have any kind of figures in mind about, you know, how much savings you've got to put into something like this? Yep. And are you thinking per child or half each? Yep. Okay. So I reckon working off 50 is a good starting point. And what I can do with the children, you've just had you've just come off maternity leave. How old will your eldest be? Four. Perfect. Because what you wanna do when you do this type of bond is you wanna hold it for at least ten years for them. Because if you if you sell it in less than ten years, then there's some taxes that come out. So once it's past the ten year mark, you're pretty good in terms of being able to transfer it to them. So, like, fourteen years is amazing. And then we've got the other child there. So what I would like to do last quick question is how much do you actually have in savings at the moment? Do you have a pool of, like, an emergency fund that you've got built up already, or are you still building one up? Yeah. Yep. Yeah. Absolutely. So we don't normally start them with less than, say, 2 to 5,000 per account. So what I was thinking is if you're comfortable, let's just do a bit of savings for six to twelve months, get that emergency fund built up because we don't wanna lock it away in case something happens and something goes wrong and you need some funds. And then once you've built up that savings for six to twelve months, maybe we can look at starting a couple of those accounts next year, maybe like a 2,000 minimum and $50 a week, and we can kind of start that going then. Does that sound a bit better for you? Yeah. So with the returns, the bonds act similar to hub 24 that we can build you investments in a portfolio when choose the risk level. So if you wanted to go for fourteen years, for example, we could do, like, a growth or a high growth similar to your super and try and get those nine, ten, 11% growth returns. I just don't wanna deplete your savings right now for that. If, you know, step one is always making sure you've got an emergency fund first, and then once you've got enough set aside, we can set up a couple of those accounts. And I would go through that risk discussion with you and kind of show you what we build because inside those bonds, it's got similar investments available, not as many. So we would do something similar to what you've got inside your super. No. Once you put it in the super, they lock it away until you're 60, so we wouldn't be able to put it into a child investment bond. You'd have to pull it up into a savings account first. Yeah. Pretty much. Whether it's your own main savings account or a separate account, it doesn't have to be in their name to start with. And what I'm thinking is if you do $50 a week, that's 2,600 straight away. And if we can do that for twelve months, you pretty much have enough there to open up one of those accounts. So I wanted to set you a bit of a a savings goal. If you can put aside $50 a week for each of them and build up that kind of 5,200, then in twelve months' time, I can use that as a starting point, build you a plan, build you a portfolio, and we can open those accounts and get it going a bit faster. That sound okay for you, Sandra? Amazing. I'll just add it as a goal for now, and that's something that I can check with you at the next review, whether it's myself or Connor. But, look, that'll be amazing. Like, I've I'll give you a bit of an idea here just for future reference. So, usually, the the sort of setup fee is about 350. So let's say you've got 2,600 there per child, and you put in 2,250 with $50 a week. I'm just doing a quick projection for you, and we'll go fourteen years at that sort of 10% return. You would've put in $36,000, but it would be worth around 85,000 to pass over to your eldest child when they turn 18. Oh, yeah. That's a good idea. Unfortunately, the account has to be linked to the beneficiary that gets it at the end of the day, so you couldn't do the the one account. Otherwise, it would just go to the one one person. But we don't we don't charge any, like, advice fees to look after those. So what we do is we just set it up. You put your $50 in, and then we can review it as part of your super review. If we need to update the investments, we can do that basically for free for you. And if you wanna increase or decrease your contributions, you can do that as well. Yep. That's just a bit of a conservative estimate. And then your other chart, if you go a couple extra years, you know, it'll be closer to that $100,000 mark. And we'll, again, just save for for twelve months and and get that built up, and then we'll have another discussion. I'll run through in a bit more detail with you. I'll build you an updated plan so you can see it in writing first. And then if you're comfortable with that, we can go ahead and set them up. Yeah. So what'll happen is when we do any type of advice, we put together the the statement of advice document to show you what we think you should do. Once you sign off on that, we would do an application. Like, when you opened up your super account, we would actually do an application to open that account, and then we can work on actually depositing the funds. Yep. Okay. Easy done. So at the moment, portfolio fix up for the hub 24. We will look at the quote for the income protection, and then I will just work with you to see if we can either fully close down HESTA and move the contributions or just keep it going if there's an EBA. And your salary sacrifice, you're just okay to keep that going at the current rate. Perfect. Yep. And then for the children, I've just added there a goal to set aside $50 a week to save for their their sort of future education and home deposit and so on. And then in twelve months' time, we'll look at maybe setting up some investments for them. Yeah. Gotcha. Oh, that's fun. That's oh, they do charge a lot, don't they? And then I'm assuming you'll get a bit of a refund as well. Yep. Oh, no, Sandra. I've just had my third child and look. When I got my I think I got a $3,000 refund from updating the income around tax time, and I was just like, wow. We were overpaying that much, and it can be quite a lot. Yep. No fun. Fair enough. Alright, Sandra. Was there anything else that I can help you with in this round of strategy updates? Oh, actually, there was one last thing. I do apologize. The beneficiary nominations for your super and your life insurance, I just wanted to double check who you wanted that to all go to. Okay. I'll send you out some blank forms. And if you have some ideas on who you'd like or any questions, when you get the forms, please just call in. I'll walk you through it in two minutes flat. Perfect. Alrighty. So I'll put this together. It will take me a couple of weeks just to get all of the research from Hester, the insurer, and the comparisons for the portfolio, and then I'll get Michelle to give you a call, book you in with me, and I'll run through the updated plan, get your permission first. Yeah. Yep. I'll do that straight away. Amazing, Sandra. Thank you so much for your time today, and I will talk to you again soon. Amazing. Have a great day. 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morning, Sandra. It's Tommy here, senior adviser. How are you doing? Yeah. No.\n\nThat's okay. I did try to call you and and just left a message. I was actually just sending you a text message, so thank you so much for calling back. Now, Sandra, I've got you booked in for a little bit of a chat because you did an annual review with my colleague, Connor, and there was a few areas we were looking at for some updated advice strategies with the super and the insurances. Does that ring a bell?\n\nPerfect. So I just thought I'd jump into that with you today. I've had a bit of a review of his notes in your accounts and just had a few ideas to run by you. Perfect. Now first thing to kind of tackle, nice and easy, is just in terms of the superannuation.\n\nWe were looking at doing a portfolio review just because there was that one investment option that he flagged with you as a bit of a concern, the Benelon option. So we're looking at a a bit of an update there. Now Yep. Yeah. So I can do a bit of a trick with that one.\n\nSo if that one's gone down a bit, I can use that the the losses of it going down to offset some of the gains that you've gotten to kind of update your portfolio, and that'll kind of minimize the taxes the super pays inside it as well. Now just to kind of guide it a little bit with, Hub twenty four, your super fund, it does have the most investment options in the industry. It's got about 1,300. Now I will make a recommendation for you with what to put in there, but I just wanted to quickly ask you your preferences. And there's no real wrong answer to this question.\n\nBut if you had to choose between lower fee investments or paying a higher fee to try and get a higher return, which way does your gut feeling lean you towards? Yeah. Yeah. So what you're saying basically is the net return after all the fees, as long as that's good, that's the most important thing to you. Perfect.\n\nSo I do have some options in mind that I'll kind of compare and update for you. And then what I'll do is I'll update some projections, put it in your updated statement of advice plan, and then I can kind of show you what I'm thinking, make sure you're comfortable before I move anything around. That sound okay? Perfect. Now just in terms of the risk level, we've got you as a growth risk profile, which is kind of like a four out of five.\n\nNot maximum risk. You're just trying to get mostly growth, but nothing too high risk. But you're also not wanting to go too slow with it and kind of miss out on the growth. So you're sitting at 80% in growth assets like shares, property, and gold. Does that still sound okay for you?\n\nSo the next level up is a high growth, and that's where we bump it up about 10% from 80 to 90. And we still keep a small portion in the safe side of things, get as much growth as we can. And then when you're closer to retirement in those last seven to ten years, we can reduce it back down and and make it safer. You know, you don't wanna be 64 and lose half your super a year before you go to live on it, if that makes sense. Perfect.\n\nSo I'll keep it as a growth risk level. I'll just switch the options around and not increase or decrease your growth assets. Perfect. Now outside of that, just having a quick look at the insurance side of things because you have had your second child, and I have noted a few things that it kind of stand out to me with regard to your insurances. Now you have this ClearView policy where you've got life insurance, total disability, and income protection.\n\nSo if you pass away, if you can never work again, that's your lump sum covers where you've got 1,100,000 and 700,000. And if you're out of work for two months, then you get that temporary income protection kicks in with a monthly amount for up to five years if that rings a bell. Now what I can sort of see here is there's a couple of ways to do it. So based on your fact finding your assets, I've got your home here where there's no debt on the home, but you do have some debts on the two investment properties. Now when you have that situation, let's say you're in a car accident, you can't go back to work ever again, Would you live off of the rents of the investment properties?\n\nWould you sell them to pay off that debt, or would you wanna actually be insured for that? Yeah. Yeah. Yeah. So what that means perfectly for you is we had your debts combined at about 783,000, and you've got 774,000 worth of TPD cover.\n\nIt covers it almost exactly. So at that amount, I think that one should be okay to at least clear the debts off. And then in the life event, so if you were to pass away, there's another 350,000 that would come out on top of paying out those debts as well to your family. So does that sound okay for you? Go for k.\n\nSo the only one that's a concern for me is the the income protection looks a little bit low. So you're basically insured for under $1,000 a week is what you would get after tax if you're out of work for two months. It's protecting an income of 67,000, but I've got your income here noted as 90,000. So what I'm saying here is that your cover amount of 3,900 a month really should be close at about 5,250 to to cover that maximum 70% of your income for your expenses. So what I'll be looking at there is just a slight increase quote just to see what it would look like to top it up.\n\nThe total premiums don't look too bad. So if you're comfortable, I would like to do a bit of a a quote to see what it looks like, make sure it's affordable, make sure it's not gonna take too much fees out of the super. Does that sound okay? Okay. And just with the waiting period, so you've got a sixty day waiting period.\n\nThat's how long you have to be injured or ill before the cover will kick in. Do you have enough kind of savings and leave to get you by for a month or two until that kicks in. Yep. And the benefit period is five years. So what it basically means is it covers everything short and medium term.\n\nAnything more than five years, you would basically be classed as totally disabled, and your lump sum 700,000 would kick in after that. Does that sound okay? Cool. Now what it basically looks like is the premiums are under 2,000 coming out of the super. When we increase it, I believe that'll jump up a little bit, but then you get a 15% tax rebate, which drops it back down again.\n\nAnd that should keep it pretty similar. You've also got your contributions and, I believe, salary sacrifice possibly as well. So I just put a flag on it. If it's above 30% of your contributions, I put a flag there just to let you know it might be getting a bit expensive. But if it does hit that point down the line as you get older, we can always trim it down again as well.\n\nCool. Just in terms of the the contributions themselves, so I've got a bit of research happening with Mercy, which merged with HESTA, and they sent us through the sort of half the information that we asked for previously. So Michelle has just been on to them again to get the extra information that we need. But I was wanting to just double check with you your salary sacrifice. Would you like all of that to be going to the one fund, and we can just close that down again?\n\nWhat would be your preference? A yeah. You can have two. Well, the strange thing that I saw was I was looking at your contribution transactions, and they're actually putting you don't have two sources of income, do you? It's just the one employer?\n\nYes. I can see summer home care. Gotcha. Now if it's easier for you, they did change the laws couple of years ago, and your their your payroll is actually allowed to pay their contributions anywhere that you choose unless there's a specific EBA, like an employment bargaining agreement that restricts you. I know some factories have that, but not so much in your space.\n\nSo I believe if we did send a form through to your employer, they could actually switch it across pretty easily. Gotcha. Okay. Awesome. Okay.\n\nWell, while I get the research for that fund, that'll come through in a few days' time. Would you be okay to just ask your payroll if you can change them or if it's restricted and let me know? Yeah. And I wouldn't wanna ask you to do this every year kinda thing, but I would've I would love it if you could just quickly ask them because they do update the EVAs, and most of them that I've been seeing, they've been removing that restriction over the years depending on departments. So if we could just do that one last check, I'll keep that on file so we don't have to ask you again.\n\nAnd even if you can just flick us back a little email or or a quick call in while I'm doing the research and comparisons and quotes, I would love that just to have that on file. Perfect. If that is the case, we'll just do the usual rollover. That's fine. And if it isn't restricted, we can get it all consolidated so you're not paying fees for two accounts.\n\nSound good? Beautiful. So at this point, I'll get the portfolio updated. We'll do some research on the HESTA and figure out how much we're moving around. We'll do a quote for the income protection just to get that correct.\n\nAnd just with the salary sacrifice, do you know how much you've got set with them? Was it a percentage base of your income, or was it like a set amount? Okay. Do you mind do you know how much that is off the top of your head? Because I know the salary packaging has a $15,000 limit for things like mortgages and health care and things like that.\n\nAre you doing salary packaging with them as well? Cool. Okay. That makes sense. Salary packaging, that makes sense because the 15 thousand's on there with the health care industry limits.\n\nThat's good. Do you know if on your payslip that they're doing a salary sacrifice to super of, you know, $50 or 5% or something like that? Cool. 89994. Alright.\n\nAnd I don't mean to ask too much of you, and I do apologize, but would you be able to send a payslip through to me? Yeah. Just so I can break down the contributions for the the projections. I can when we get the research, I can work it back, but it'd be nice to have that. Oh, yes.\n\nIt's the September 1, actually. And, so, Sandra, are you working did you say the Mater Hospital in Brisbane there? Oh, fantastic. Email address, you could just do the main one, and that'll come through to your client profile. So it's info, I n f o,@Oakview,oakview, Financial, f I n a n c I a l, dot com dot a u.\n\nK. So if you're okay to ask the the payroll about the EBA restrictions, as soon as we get the research back from Hester, I'm gonna send you an email just letting you know that we've got it and get you booked in for the updated plan. And if you could just reply to that, what they've said about the contributions, if it's still restricted, that would be amazing. Just a quick still restricted or not. You're amazing.\n\nAlrighty. The other thing too, quite a few little things. So super will fix up. The insurances will fix up. That's great.\n\nI've got that under control. There was a bit of a message that you might want to look at some investing for the children. Is that right? So with the child investments, there's these things called child investment bonds where you can you can invest for the children and and grow an amount so that when they turn, like, 18, you can basically hand them, like, a tax free amount, and that can go towards education, home deposit, that kind of thing. Is that kind of what you're leaning towards?\n\nCool. Now usually with those, it depends on how much you wanna invest either as a lump sum or a regular amount. Sometimes we start with, like, a a low amount and put some contributions into that regularly. Do you have any kind of figures in mind about, you know, how much savings you've got to put into something like this? Yep.\n\nAnd are you thinking per child or half each? Yep. Okay. So I reckon working off 50 is a good starting point. And what I can do with the children, you've just had you've just come off maternity leave.\n\nHow old will your eldest be? Four. Perfect. Because what you wanna do when you do this type of bond is you wanna hold it for at least ten years for them. Because if you if you sell it in less than ten years, then there's some taxes that come out.\n\nSo once it's past the ten year mark, you're pretty good in terms of being able to transfer it to them. So, like, fourteen years is amazing. And then we've got the other child there. So what I would like to do last quick question is how much do you actually have in savings at the moment? Do you have a pool of, like, an emergency fund that you've got built up already, or are you still building one up?\n\nYeah. Yep. Yeah. Absolutely. So we don't normally start them with less than, say, 2 to 5,000 per account.\n\nSo what I was thinking is if you're comfortable, let's just do a bit of savings for six to twelve months, get that emergency fund built up because we don't wanna lock it away in case something happens and something goes wrong and you need some funds. And then once you've built up that savings for six to twelve months, maybe we can look at starting a couple of those accounts next year, maybe like a 2,000 minimum and $50 a week, and we can kind of start that going then. Does that sound a bit better for you? Yeah. So with the returns, the bonds act similar to hub 24 that we can build you investments in a portfolio when choose the risk level.\n\nSo if you wanted to go for fourteen years, for example, we could do, like, a growth or a high growth similar to your super and try and get those nine, ten, 11% growth returns. I just don't wanna deplete your savings right now for that. If, you know, step one is always making sure you've got an emergency fund first, and then once you've got enough set aside, we can set up a couple of those accounts. And I would go through that risk discussion with you and kind of show you what we build because inside those bonds, it's got similar investments available, not as many. So we would do something similar to what you've got inside your super.\n\nNo. Once you put it in the super, they lock it away until you're 60, so we wouldn't be able to put it into a child investment bond. You'd have to pull it up into a savings account first. Yeah. Pretty much.\n\nWhether it's your own main savings account or a separate account, it doesn't have to be in their name to start with. And what I'm thinking is if you do $50 a week, that's 2,600 straight away. And if we can do that for twelve months, you pretty much have enough there to open up one of those accounts. So I wanted to set you a bit of a a savings goal. If you can put aside $50 a week for each of them and build up that kind of 5,200, then in twelve months' time, I can use that as a starting point, build you a plan, build you a portfolio, and we can open those accounts and get it going a bit faster.\n\nThat sound okay for you, Sandra? Amazing. I'll just add it as a goal for now, and that's something that I can check with you at the next review, whether it's myself or Connor. But, look, that'll be amazing. Like, I've I'll give you a bit of an idea here just for future reference.\n\nSo, usually, the the sort of setup fee is about 350. So let's say you've got 2,600 there per child, and you put in 2,250 with $50 a week. I'm just doing a quick projection for you, and we'll go fourteen years at that sort of 10% return. You would've put in $36,000, but it would be worth around 85,000 to pass over to your eldest child when they turn 18. Oh, yeah.\n\nThat's a good idea. Unfortunately, the account has to be linked to the beneficiary that gets it at the end of the day, so you couldn't do the the one account. Otherwise, it would just go to the one one person. But we don't we don't charge any, like, advice fees to look after those. So what we do is we just set it up.\n\nYou put your $50 in, and then we can review it as part of your super review. If we need to update the investments, we can do that basically for free for you. And if you wanna increase or decrease your contributions, you can do that as well. Yep. That's just a bit of a conservative estimate.\n\nAnd then your other chart, if you go a couple extra years, you know, it'll be closer to that $100,000 mark. And we'll, again, just save for for twelve months and and get that built up, and then we'll have another discussion. I'll run through in a bit more detail with you. I'll build you an updated plan so you can see it in writing first. And then if you're comfortable with that, we can go ahead and set them up.\n\nYeah. So what'll happen is when we do any type of advice, we put together the the statement of advice document to show you what we think you should do. Once you sign off on that, we would do an application. Like, when you opened up your super account, we would actually do an application to open that account, and then we can work on actually depositing the funds. Yep.\n\nOkay. Easy done. So at the moment, portfolio fix up for the hub 24. We will look at the quote for the income protection, and then I will just work with you to see if we can either fully close down HESTA and move the contributions or just keep it going if there's an EBA. And your salary sacrifice, you're just okay to keep that going at the current rate.\n\nPerfect. Yep. And then for the children, I've just added there a goal to set aside $50 a week to save for their their sort of future education and home deposit and so on. And then in twelve months' time, we'll look at maybe setting up some investments for them. Yeah.\n\nGotcha. Oh, that's fun. That's oh, they do charge a lot, don't they? And then I'm assuming you'll get a bit of a refund as well. Yep.\n\nOh, no, Sandra. I've just had my third child and look. When I got my I think I got a $3,000 refund from updating the income around tax time, and I was just like, wow. We were overpaying that much, and it can be quite a lot. Yep.\n\nNo fun. Fair enough. Alright, Sandra. Was there anything else that I can help you with in this round of strategy updates? Oh, actually, there was one last thing.\n\nI do apologize. The beneficiary nominations for your super and your life insurance, I just wanted to double check who you wanted that to all go to. Okay. I'll send you out some blank forms. And if you have some ideas on who you'd like or any questions, when you get the forms, please just call in.\n\nI'll walk you through it in two minutes flat. Perfect. Alrighty. So I'll put this together. It will take me a couple of weeks just to get all of the research from Hester, the insurer, and the comparisons for the portfolio, and then I'll get Michelle to give you a call, book you in with me, and I'll run through the updated plan, get your permission first.\n\nYeah. Yep. I'll do that straight away. Amazing, Sandra. Thank you so much for your time today, and I will talk to you again soon.\n\nAmazing. Have a great day. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Sandra.","start":2.56,"end":3.84,"sentiment":"positive","sentiment_score":0.4075527886549632},{"text":"It's Tommy here, senior adviser.","start":3.84,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2721050202846527},{"text":"How are you doing?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2631950229406357},{"text":"Yeah.","start":13.655,"end":13.815,"sentiment":"neutral","sentiment_score":-0.02464890666306019},{"text":"No.","start":13.815,"end":13.974999,"sentiment":"neutral","sentiment_score":-0.05853088200092316}],"sentiment":"neutral","sentiment_score":0.25377026932047947,"num_words":14,"start":2.56,"end":13.974999},{"sentences":[{"text":"That's okay.","start":13.974999,"end":14.535,"sentiment":"neutral","sentiment_score":0.04394390620291233},{"text":"I did try to call you and and just left a message.","start":14.535,"end":16.855,"sentiment":"neutral","sentiment_score":0.08979094897707303},{"text":"I was actually just sending you a text message, so thank you so much for calling back.","start":16.855,"end":20.395,"sentiment":"positive","sentiment_score":0.3761279994950575},{"text":"Now, Sandra, I've got you booked in for a little bit of a chat because you did an annual review with my colleague, Connor, and there was a few areas we were looking at for some updated advice strategies with the super and the insurances.","start":22.215,"end":34.39,"sentiment":"neutral","sentiment_score":0.18485540333721373},{"text":"Does that ring a bell?","start":34.449997,"end":35.59,"sentiment":"neutral","sentiment_score":0.08020992428064347}],"sentiment":"neutral","sentiment_score":0.2009765180632656,"num_words":81,"start":13.974999,"end":35.59},{"sentences":[{"text":"Perfect.","start":36.85,"end":37.25,"sentiment":"positive","sentiment_score":0.4660091102123261},{"text":"So I just thought I'd jump into that with you today.","start":37.25,"end":39.57,"sentiment":"positive","sentiment_score":0.3418137918819081},{"text":"I've had a bit of a review of his notes in your accounts and just had a few ideas to run by you.","start":39.57,"end":45.375,"sentiment":"neutral","sentiment_score":0.23701217576213504},{"text":"Perfect.","start":47.355,"end":47.835,"sentiment":"neutral","sentiment_score":0.32819610834121704},{"text":"Now first thing to kind of tackle, nice and easy, is just in terms of the superannuation.","start":47.835,"end":52.175,"sentiment":"neutral","sentiment_score":0.14320767276427326}],"sentiment":"neutral","sentiment_score":0.2347163662033261,"num_words":53,"start":36.85,"end":52.175},{"sentences":[{"text":"We were looking at doing a portfolio review just because there was that one investment option that he flagged with you as a bit of a concern, the Benelon option.","start":53.435,"end":62.89,"sentiment":"neutral","sentiment_score":0.02007909184321761},{"text":"So we're looking at a a bit of an update there.","start":63.35,"end":66.01,"sentiment":"neutral","sentiment_score":0.028464366258545357},{"text":"Now Yep.","start":67.76501,"end":70.595,"sentiment":"neutral","sentiment_score":0.05435847491025925},{"text":"Yeah.","start":80.950005,"end":81.19,"sentiment":"neutral","sentiment_score":0.10050170868635178},{"text":"So I can do a bit of a trick with that one.","start":81.19,"end":83.43,"sentiment":"neutral","sentiment_score":0.14964259105424085}],"sentiment":"neutral","sentiment_score":0.05215018813032657,"num_words":56,"start":53.435,"end":83.43},{"sentences":[{"text":"So if that one's gone down a bit, I can use that the the losses of it going down to offset some of the gains that you've gotten to kind of update your portfolio, and that'll kind of minimize the taxes the super pays inside it as well.","start":83.43,"end":97.605,"sentiment":"neutral","sentiment_score":0.20138587693994245},{"text":"Now just to kind of guide it a little bit with, Hub twenty four, your super fund, it does have the most investment options in the industry.","start":99.185,"end":107.5,"sentiment":"neutral","sentiment_score":0.23767933746178946},{"text":"It's got about 1,300.","start":107.5,"end":109.520004,"sentiment":"neutral","sentiment_score":0.17211583256721497},{"text":"Now I will make a recommendation for you with what to put in there, but I just wanted to quickly ask you your preferences.","start":109.740005,"end":116.560005,"sentiment":"neutral","sentiment_score":0.20534213104595742},{"text":"And there's no real wrong answer to this question.","start":116.94,"end":119.76,"sentiment":"neutral","sentiment_score":0.02009969287448459}],"sentiment":"neutral","sentiment_score":0.19536996353417635,"num_words":112,"start":83.43,"end":119.76},{"sentences":[{"text":"But if you had to choose between lower fee investments or paying a higher fee to try and get a higher return, which way does your gut feeling lean you towards?","start":120.060005,"end":129.715,"sentiment":"neutral","sentiment_score":0.13620461787908308},{"text":"Yeah.","start":159.16501,"end":159.66501,"sentiment":"neutral","sentiment_score":0.1467294692993164},{"text":"Yeah.","start":173.42,"end":173.82,"sentiment":"neutral","sentiment_score":0.2609809339046478},{"text":"So what you're saying basically is the net return after all the fees, as long as that's good, that's the most important thing to you.","start":173.82,"end":181.065,"sentiment":"neutral","sentiment_score":0.25524857610464097},{"text":"Perfect.","start":181.065,"end":181.535,"sentiment":"positive","sentiment_score":0.6390666365623474}],"sentiment":"neutral","sentiment_score":0.19746329824803238,"num_words":59,"start":120.060005,"end":181.535},{"sentences":[{"text":"So I do have some options in mind that I'll kind of compare and update for you.","start":181.535,"end":187.035,"sentiment":"positive","sentiment_score":0.3952583407654482},{"text":"And then what I'll do is I'll update some projections, put it in your updated statement of advice plan, and then I can kind of show you what I'm thinking, make sure you're comfortable before I move anything around.","start":187.335,"end":197.65001,"sentiment":"neutral","sentiment_score":0.25580738446651363},{"text":"That sound okay?","start":198.91,"end":199.89,"sentiment":"neutral","sentiment_score":0.17333062986532846},{"text":"Perfect.","start":201.23001,"end":201.71,"sentiment":"positive","sentiment_score":0.4455966353416443},{"text":"Now just in terms of the risk level, we've got you as a growth risk profile, which is kind of like a four out of five.","start":201.71,"end":208.37001,"sentiment":"neutral","sentiment_score":0.08491767899921307}],"sentiment":"neutral","sentiment_score":0.23103869728050952,"num_words":86,"start":181.535,"end":208.37001},{"sentences":[{"text":"Not maximum risk.","start":209.38501,"end":210.585,"sentiment":"neutral","sentiment_score":-0.05044249693552653},{"text":"You're just trying to get mostly growth, but nothing too high risk.","start":210.585,"end":214.825,"sentiment":"neutral","sentiment_score":0.04508498621483644},{"text":"But you're also not wanting to go too slow with it and kind of miss out on the growth.","start":214.825,"end":219.30501,"sentiment":"neutral","sentiment_score":-0.007115467990699567},{"text":"So you're sitting at 80% in growth assets like shares, property, and gold.","start":219.30501,"end":224.46999,"sentiment":"neutral","sentiment_score":0.17766913313132066},{"text":"Does that still sound okay for you?","start":224.53,"end":226.31,"sentiment":"neutral","sentiment_score":0.17465757046427047}],"sentiment":"neutral","sentiment_score":0.07012592918343014,"num_words":54,"start":209.38501,"end":226.31},{"sentences":[{"text":"So the next level up is a high growth, and that's where we bump it up about 10% from 80 to 90.","start":231.89,"end":237.34999,"sentiment":"neutral","sentiment_score":0.20868742804635654},{"text":"And we still keep a small portion in the safe side of things, get as much growth as we can.","start":238.335,"end":243.215,"sentiment":"positive","sentiment_score":0.3797227621078491},{"text":"And then when you're closer to retirement in those last seven to ten years, we can reduce it back down and and make it safer.","start":243.215,"end":249.555,"sentiment":"neutral","sentiment_score":0.2242787939310074},{"text":"You know, you don't wanna be 64 and lose half your super a year before you go to live on it, if that makes sense.","start":249.90001,"end":256.24,"sentiment":"neutral","sentiment_score":-0.13552952632308007},{"text":"Perfect.","start":260.06,"end":260.54,"sentiment":"positive","sentiment_score":0.6990765333175659}],"sentiment":"neutral","sentiment_score":0.16240200949131803,"num_words":93,"start":231.89,"end":260.54},{"sentences":[{"text":"So I'll keep it as a growth risk level.","start":260.54,"end":262.46,"sentiment":"positive","sentiment_score":0.39979898267322117},{"text":"I'll just switch the options around and not increase or decrease your growth assets.","start":262.46,"end":267.42502,"sentiment":"neutral","sentiment_score":0.16379100350396975},{"text":"Perfect.","start":269.245,"end":269.745,"sentiment":"positive","sentiment_score":0.5806210041046143},{"text":"Now outside of that, just having a quick look at the insurance side of things because you have had your second child, and I have noted a few things that it kind of stand out to me with regard to your insurances.","start":270.125,"end":282.66998,"sentiment":"neutral","sentiment_score":0.1981760235059829},{"text":"Now you have this ClearView policy where you've got life insurance, total disability, and income protection.","start":285.28998,"end":292.225,"sentiment":"neutral","sentiment_score":0.2211539247073233}],"sentiment":"neutral","sentiment_score":0.2235822156071663,"num_words":82,"start":260.54,"end":292.225},{"sentences":[{"text":"So if you pass away, if you can never work again, that's your lump sum covers where you've got 1,100,000 and 700,000.","start":292.845,"end":300.225,"sentiment":"neutral","sentiment_score":0.04693408208814534},{"text":"And if you're out of work for two months, then you get that temporary income protection kicks in with a monthly amount for up to five years if that rings a bell.","start":300.525,"end":309.61002,"sentiment":"neutral","sentiment_score":0.06782875780481845},{"text":"Now what I can sort of see here is there's a couple of ways to do it.","start":310.95,"end":314.47,"sentiment":"neutral","sentiment_score":0.0533881338641924},{"text":"So based on your fact finding your assets, I've got your home here where there's no debt on the home, but you do have some debts on the two investment properties.","start":314.47,"end":323.015,"sentiment":"neutral","sentiment_score":0.0377754823815438},{"text":"Now when you have that situation, let's say you're in a car accident, you can't go back to work ever again, Would you live off of the rents of the investment properties?","start":324.435,"end":334.14,"sentiment":"neutral","sentiment_score":-0.10693219397217035}],"sentiment":"neutral","sentiment_score":0.013879687150022876,"num_words":134,"start":292.845,"end":334.14},{"sentences":[{"text":"Would you sell them to pay off that debt, or would you wanna actually be insured for that?","start":334.2,"end":339.1,"sentiment":"neutral","sentiment_score":-0.09585694202946292},{"text":"Yeah.","start":350.69498,"end":351.19498,"sentiment":"neutral","sentiment_score":0.003749150782823562},{"text":"Yeah.","start":371.365,"end":371.685,"sentiment":"neutral","sentiment_score":0.046872980892658234},{"text":"Yeah.","start":371.685,"end":372.00497,"sentiment":"neutral","sentiment_score":-0.05769509822130203},{"text":"So what that means perfectly for you is we had your debts combined at about 783,000, and you've got 774,000 worth of TPD cover.","start":372.00497,"end":382.76,"sentiment":"positive","sentiment_score":0.5484628031651179}],"sentiment":"neutral","sentiment_score":0.2540135411752595,"num_words":45,"start":334.2,"end":382.76},{"sentences":[{"text":"It covers it almost exactly.","start":382.82,"end":384.36002,"sentiment":"positive","sentiment_score":0.5420793771743775},{"text":"So at that amount, I think that one should be okay to at least clear the debts off.","start":386.58002,"end":391.275,"sentiment":"positive","sentiment_score":0.5080060528384315},{"text":"And then in the life event, so if you were to pass away, there's another 350,000 that would come out on top of paying out those debts as well to your family.","start":391.755,"end":402.895,"sentiment":"neutral","sentiment_score":0.27787413354963064},{"text":"So does that sound okay for you?","start":404.555,"end":406.05,"sentiment":"neutral","sentiment_score":0.28976266724722727},{"text":"Go for k.","start":416.84998,"end":426.385,"sentiment":"neutral","sentiment_score":0.07586058725913365}],"sentiment":"positive","sentiment_score":0.3538830545086127,"num_words":65,"start":382.82,"end":426.385},{"sentences":[{"text":"So the only one that's a concern for me is the the income protection looks a little bit low.","start":426.385,"end":431.525,"sentiment":"neutral","sentiment_score":-0.2551618069410324},{"text":"So you're basically insured for under $1,000 a week is what you would get after tax if you're out of work for two months.","start":431.745,"end":441.24002,"sentiment":"neutral","sentiment_score":-0.17267566826194525},{"text":"It's protecting an income of 67,000, but I've got your income here noted as 90,000.","start":441.7,"end":447.41498,"sentiment":"neutral","sentiment_score":-0.08608724847435952},{"text":"So what I'm saying here is that your cover amount of 3,900 a month really should be close at about 5,250 to to cover that maximum 70% of your income for your expenses.","start":449.155,"end":460.53497,"sentiment":"neutral","sentiment_score":0.0840106958692724},{"text":"So what I'll be looking at there is just a slight increase quote just to see what it would look like to top it up.","start":463.85,"end":470.27,"sentiment":"neutral","sentiment_score":0.0654082503914833}],"sentiment":"neutral","sentiment_score":-0.05065551615352261,"num_words":116,"start":426.385,"end":470.27},{"sentences":[{"text":"The total premiums don't look too bad.","start":471.44998,"end":473.47,"sentiment":"neutral","sentiment_score":0.14106896306787217},{"text":"So if you're comfortable, I would like to do a bit of a a quote to see what it looks like, make sure it's affordable, make sure it's not gonna take too much fees out of the super.","start":473.795,"end":482.835,"sentiment":"neutral","sentiment_score":0.13891307284173213},{"text":"Does that sound okay?","start":482.835,"end":483.975,"sentiment":"neutral","sentiment_score":0.12167983502149582},{"text":"Okay.","start":486.275,"end":486.775,"sentiment":"neutral","sentiment_score":0.10820910334587096},{"text":"And just with the waiting period, so you've got a sixty day waiting period.","start":487.05,"end":490.25,"sentiment":"neutral","sentiment_score":0.01436054560222796}],"sentiment":"neutral","sentiment_score":0.11034618111443706,"num_words":64,"start":471.44998,"end":490.25},{"sentences":[{"text":"That's how long you have to be injured or ill before the cover will kick in.","start":490.25,"end":495.29,"sentiment":"neutral","sentiment_score":-0.045758522290270776},{"text":"Do you have enough kind of savings and leave to get you by for a month or two until that kicks in.","start":495.29,"end":505.695,"sentiment":"neutral","sentiment_score":0.04283896816725081},{"text":"Yep.","start":505.695,"end":506.175,"sentiment":"neutral","sentiment_score":0.17560634016990662},{"text":"And the benefit period is five years.","start":506.175,"end":508.415,"sentiment":"neutral","sentiment_score":0.14155990949698857},{"text":"So what it basically means is it covers everything short and medium term.","start":508.415,"end":512.275,"sentiment":"neutral","sentiment_score":0.1365664994630676}],"sentiment":"neutral","sentiment_score":0.05342730750345578,"num_words":59,"start":490.25,"end":512.275},{"sentences":[{"text":"Anything more than five years, you would basically be classed as totally disabled, and your lump sum 700,000 would kick in after that.","start":512.415,"end":521.10004,"sentiment":"neutral","sentiment_score":-0.06378821672304817},{"text":"Does that sound okay?","start":522.84,"end":524.14,"sentiment":"neutral","sentiment_score":0.2030906192958355},{"text":"Cool.","start":526.04004,"end":526.54004,"sentiment":"positive","sentiment_score":0.4640199542045593},{"text":"Now what it basically looks like is the premiums are under 2,000 coming out of the super.","start":527.345,"end":531.76495,"sentiment":"neutral","sentiment_score":0.2104143474031897},{"text":"When we increase it, I believe that'll jump up a little bit, but then you get a 15% tax rebate, which drops it back down again.","start":532.385,"end":538.98,"sentiment":"neutral","sentiment_score":0.2795615568757057}],"sentiment":"neutral","sentiment_score":0.15006898354056855,"num_words":71,"start":512.415,"end":538.98},{"sentences":[{"text":"And that should keep it pretty similar.","start":539.54,"end":542.6,"sentiment":"positive","sentiment_score":0.35638849224363056},{"text":"You've also got your contributions and, I believe, salary sacrifice possibly as well.","start":543.54,"end":548.6,"sentiment":"neutral","sentiment_score":0.1015365461890514},{"text":"So I just put a flag on it.","start":548.66,"end":550.26,"sentiment":"neutral","sentiment_score":0.08036288991570473},{"text":"If it's above 30% of your contributions, I put a flag there just to let you know it might be getting a bit expensive.","start":550.26,"end":555.525,"sentiment":"neutral","sentiment_score":-0.03520641279950117},{"text":"But if it does hit that point down the line as you get older, we can always trim it down again as well.","start":555.985,"end":562.085,"sentiment":"neutral","sentiment_score":0.02774761600986771}],"sentiment":"neutral","sentiment_score":0.05667785235370199,"num_words":75,"start":539.54,"end":562.085},{"sentences":[{"text":"Cool.","start":564.945,"end":565.44,"sentiment":"positive","sentiment_score":0.3956220746040344},{"text":"Just in terms of the the contributions themselves, so I've got a bit of research happening with Mercy, which merged with HESTA, and they sent us through the sort of half the information that we asked for previously.","start":565.76,"end":580.82,"sentiment":"neutral","sentiment_score":0.21651619261032656},{"text":"So Michelle has just been on to them again to get the extra information that we need.","start":580.88,"end":585.04504,"sentiment":"neutral","sentiment_score":0.21739861456786885},{"text":"But I was wanting to just double check with you your salary sacrifice.","start":585.585,"end":589.525,"sentiment":"neutral","sentiment_score":0.024167041652477704},{"text":"Would you like all of that to be going to the one fund, and we can just close that down again?","start":589.585,"end":593.66504,"sentiment":"neutral","sentiment_score":0.030076378690344945}],"sentiment":"neutral","sentiment_score":0.14738654817144076,"num_words":90,"start":564.945,"end":593.66504},{"sentences":[{"text":"What would be your preference?","start":593.66504,"end":594.57,"sentiment":"neutral","sentiment_score":0.019991617277264596},{"text":"A yeah.","start":604.57,"end":605.69,"sentiment":"neutral","sentiment_score":0.04252902790904045},{"text":"You can have two.","start":605.69,"end":606.585,"sentiment":"neutral","sentiment_score":0.04240716993808746},{"text":"Well, the strange thing that I saw was I was looking at your contribution transactions, and they're actually putting you don't have two sources of income, do you?","start":619.62994,"end":628.43,"sentiment":"neutral","sentiment_score":-0.11510687826999597},{"text":"It's just the one employer?","start":628.43,"end":629.64996,"sentiment":"neutral","sentiment_score":-0.05799331143498421}],"sentiment":"neutral","sentiment_score":-0.0717798710631376,"num_words":44,"start":593.66504,"end":629.64996},{"sentences":[{"text":"Yes.","start":639.165,"end":639.665,"sentiment":"neutral","sentiment_score":0.018512826412916183},{"text":"I can see summer home care.","start":644.605,"end":647.7,"sentiment":"neutral","sentiment_score":0.062076895187298455},{"text":"Gotcha.","start":657.6,"end":658.08,"sentiment":"neutral","sentiment_score":0.015212994068861008},{"text":"Now if it's easier for you, they did change the laws couple of years ago, and your their your payroll is actually allowed to pay their contributions anywhere that you choose unless there's a specific EBA, like an employment bargaining agreement that restricts you.","start":658.08,"end":676.2,"sentiment":"neutral","sentiment_score":0.1987030484120954},{"text":"I know some factories have that, but not so much in your space.","start":676.36,"end":679.66003,"sentiment":"neutral","sentiment_score":0.012681584088848187}],"sentiment":"neutral","sentiment_score":0.14329202945988911,"num_words":65,"start":639.165,"end":679.66003},{"sentences":[{"text":"So I believe if we did send a form through to your employer, they could actually switch it across pretty easily.","start":679.88,"end":686.3,"sentiment":"positive","sentiment_score":0.3536865072590964},{"text":"Gotcha.","start":711.43,"end":711.93,"sentiment":"neutral","sentiment_score":0.02115938626229763},{"text":"Okay.","start":713.02997,"end":713.52997,"sentiment":"neutral","sentiment_score":0.07538372278213501},{"text":"Awesome.","start":717.96497,"end":718.46497,"sentiment":"neutral","sentiment_score":0.20810353755950928},{"text":"Okay.","start":736.78,"end":737.18,"sentiment":"neutral","sentiment_score":0.026051897555589676}],"sentiment":"neutral","sentiment_score":0.3103246078640223,"num_words":25,"start":679.88,"end":737.18},{"sentences":[{"text":"Well, while I get the research for that fund, that'll come through in a few days' time.","start":737.18,"end":741.435,"sentiment":"neutral","sentiment_score":0.006187930045758977},{"text":"Would you be okay to just ask your payroll if you can change them or if it's restricted and let me know?","start":742.15497,"end":747.615,"sentiment":"neutral","sentiment_score":-0.015867834402756256},{"text":"Yeah.","start":754.89,"end":755.39,"sentiment":"neutral","sentiment_score":-0.003852955996990204},{"text":"And I wouldn't wanna ask you to do this every year kinda thing, but I would've I would love it if you could just quickly ask them because they do update the EVAs, and most of them that I've been seeing, they've been removing that restriction over the years depending on departments.","start":766.33,"end":780.165,"sentiment":"neutral","sentiment_score":0.1081237224682879},{"text":"So if we could just do that one last check, I'll keep that on file so we don't have to ask you again.","start":780.49,"end":785.23004,"sentiment":"neutral","sentiment_score":0.2096073418531729}],"sentiment":"neutral","sentiment_score":0.08865784285994975,"num_words":115,"start":737.18,"end":785.23004},{"sentences":[{"text":"And even if you can just flick us back a little email or or a quick call in while I'm doing the research and comparisons and quotes, I would love that just to have that on file.","start":785.61005,"end":797.71497,"sentiment":"positive","sentiment_score":0.36591550184262767},{"text":"Perfect.","start":800.65497,"end":801.15497,"sentiment":"positive","sentiment_score":0.4451236724853515},{"text":"If that is the case, we'll just do the usual rollover.","start":802.415,"end":805.135,"sentiment":"neutral","sentiment_score":0.20677612857385116},{"text":"That's fine.","start":805.135,"end":806.12,"sentiment":"positive","sentiment_score":0.39750608801841736},{"text":"And if it isn't restricted, we can get it all consolidated so you're not paying fees for two accounts.","start":806.18,"end":810.68,"sentiment":"neutral","sentiment_score":0.0810991706032502}],"sentiment":"neutral","sentiment_score":0.26563472960676465,"num_words":70,"start":785.61005,"end":810.68},{"sentences":[{"text":"Sound good?","start":812.74,"end":813.48,"sentiment":"neutral","sentiment_score":0.16774055361747742},{"text":"Beautiful.","start":814.98,"end":815.46,"sentiment":"neutral","sentiment_score":0.32989972829818726},{"text":"So at this point, I'll get the portfolio updated.","start":815.46,"end":818.2,"sentiment":"neutral","sentiment_score":0.11389823133746783},{"text":"We'll do some research on the HESTA and figure out how much we're moving around.","start":819.14,"end":824.03503,"sentiment":"neutral","sentiment_score":0.10404099027315776},{"text":"We'll do a quote for the income protection just to get that correct.","start":824.255,"end":827.715,"sentiment":"neutral","sentiment_score":0.10967804491519928}],"sentiment":"neutral","sentiment_score":0.11692235888913274,"num_words":40,"start":812.74,"end":827.715},{"sentences":[{"text":"And just with the salary sacrifice, do you know how much you've got set with them?","start":828.575,"end":833.055,"sentiment":"neutral","sentiment_score":0.0315306211123243},{"text":"Was it a percentage base of your income, or was it like a set amount?","start":833.055,"end":836.41003,"sentiment":"neutral","sentiment_score":0.013652313562730948},{"text":"Okay.","start":839.03,"end":839.43,"sentiment":"neutral","sentiment_score":0.015400301665067673},{"text":"Do you mind do you know how much that is off the top of your head?","start":839.43,"end":842.25,"sentiment":"neutral","sentiment_score":0.0002614043769426644},{"text":"Because I know the salary packaging has a $15,000 limit for things like mortgages and health care and things like that.","start":849.35004,"end":857.025,"sentiment":"neutral","sentiment_score":-0.0030208397656679153}],"sentiment":"neutral","sentiment_score":0.009643764896453291,"num_words":69,"start":828.575,"end":857.025},{"sentences":[{"text":"Are you doing salary packaging with them as well?","start":857.025,"end":859.205,"sentiment":"neutral","sentiment_score":0.012627338990569115},{"text":"Cool.","start":862.385,"end":862.86505,"sentiment":"neutral","sentiment_score":0.13625186681747437},{"text":"Okay.","start":862.86505,"end":863.28,"sentiment":"neutral","sentiment_score":0.12106392532587051},{"text":"That makes sense.","start":866.32,"end":867.28,"sentiment":"neutral","sentiment_score":0.1428380087018013},{"text":"Salary packaging, that makes sense because the 15 thousand's on there with the health care industry limits.","start":867.28,"end":872.88,"sentiment":"neutral","sentiment_score":0.10218964254154879}],"sentiment":"neutral","sentiment_score":0.08182902556032903,"num_words":31,"start":857.025,"end":872.88},{"sentences":[{"text":"That's good.","start":872.88,"end":873.60004,"sentiment":"positive","sentiment_score":0.3732532262802124},{"text":"Do you know if on your payslip that they're doing a salary sacrifice to super of, you know, $50 or 5% or something like that?","start":873.60004,"end":881.10504,"sentiment":"neutral","sentiment_score":0.017874376811087132},{"text":"Cool.","start":883.245,"end":883.745,"sentiment":"neutral","sentiment_score":0.062425658106803894},{"text":"89994.","start":889.16504,"end":893.52997,"sentiment":"neutral","sentiment_score":0.010447017848491669},{"text":"Alright.","start":893.75,"end":894.25,"sentiment":"neutral","sentiment_score":0.05173110216856003}],"sentiment":"neutral","sentiment_score":0.04393232169871529,"num_words":30,"start":872.88,"end":894.25},{"sentences":[{"text":"And I don't mean to ask too much of you, and I do apologize, but would you be able to send a payslip through to me?","start":894.31,"end":900.81,"sentiment":"neutral","sentiment_score":-0.016250172361301687},{"text":"Yeah.","start":903.35,"end":903.75,"sentiment":"neutral","sentiment_score":0.01848217286169529},{"text":"Just so I can break down the contributions for the the projections.","start":903.75,"end":907.265,"sentiment":"neutral","sentiment_score":0.029372457570085924},{"text":"I can when we get the research, I can work it back, but it'd be nice to have that.","start":907.645,"end":912.145,"sentiment":"neutral","sentiment_score":0.04542673104687741},{"text":"Oh, yes.","start":915.565,"end":916.385,"sentiment":"neutral","sentiment_score":0.02823418192565441}],"sentiment":"neutral","sentiment_score":0.014467057267514368,"num_words":60,"start":894.31,"end":916.385},{"sentences":[{"text":"It's the September 1, actually.","start":936.07495,"end":937.935,"sentiment":"neutral","sentiment_score":0.017901890724897385},{"text":"And, so, Sandra, are you working did you say the Mater Hospital in Brisbane there?","start":956.57,"end":960.715,"sentiment":"neutral","sentiment_score":0.022572420785824457},{"text":"Oh, fantastic.","start":961.97504,"end":962.715,"sentiment":"positive","sentiment_score":0.4248342663049698},{"text":"Email address, you could just do the main one, and that'll come through to your client profile.","start":964.53503,"end":968.85504,"sentiment":"neutral","sentiment_score":0.20021801485734828},{"text":"So it's info, I n f o,@Oakview,oakview, Financial, f I n a n c I a l, dot com dot a u.","start":968.85504,"end":986.885,"sentiment":"neutral","sentiment_score":0.018185110498135062}],"sentiment":"neutral","sentiment_score":0.08330398330419156,"num_words":61,"start":936.07495,"end":986.885},{"sentences":[{"text":"K.","start":997.10504,"end":997.59,"sentiment":"neutral","sentiment_score":0.02400821633636951},{"text":"So if you're okay to ask the the payroll about the EBA restrictions, as soon as we get the research back from Hester, I'm gonna send you an email just letting you know that we've got it and get you booked in for the updated plan.","start":997.83,"end":1010.97003,"sentiment":"neutral","sentiment_score":0.1092495186375859},{"text":"And if you could just reply to that, what they've said about the contributions, if it's still restricted, that would be amazing.","start":1011.26495,"end":1017.26495,"sentiment":"neutral","sentiment_score":0.17722368511286649},{"text":"Just a quick still restricted or not.","start":1017.26495,"end":1019.76495,"sentiment":"neutral","sentiment_score":0.014171421527862549},{"text":"You're amazing.","start":1021.665,"end":1022.40497,"sentiment":"positive","sentiment_score":0.6335011124610901}],"sentiment":"neutral","sentiment_score":0.13223858104827693,"num_words":78,"start":997.10504,"end":1022.40497},{"sentences":[{"text":"Alrighty.","start":1023.105,"end":1023.605,"sentiment":"positive","sentiment_score":0.45046234130859375},{"text":"The other thing too, quite a few little things.","start":1023.745,"end":1026.53,"sentiment":"neutral","sentiment_score":0.12766533924473655},{"text":"So super will fix up.","start":1026.53,"end":1028.05,"sentiment":"neutral","sentiment_score":0.24342794716358185},{"text":"The insurances will fix up.","start":1028.05,"end":1029.33,"sentiment":"neutral","sentiment_score":0.19501122534275056},{"text":"That's great.","start":1029.33,"end":1029.89,"sentiment":"positive","sentiment_score":0.7026187777519226}],"sentiment":"neutral","sentiment_score":0.23622199147939682,"num_words":22,"start":1023.105,"end":1029.89},{"sentences":[{"text":"I've got that under control.","start":1029.89,"end":1031.43,"sentiment":"positive","sentiment_score":0.5668091535568237},{"text":"There was a bit of a message that you might want to look at some investing for the children.","start":1031.5701,"end":1035.99,"sentiment":"neutral","sentiment_score":0.13986613052456},{"text":"Is that right?","start":1036.05,"end":1036.79,"sentiment":"neutral","sentiment_score":0.1082693561911583},{"text":"So with the child investments, there's these things called child investment bonds where you can you can invest for the children and and grow an amount so that when they turn, like, 18, you can basically hand them, like, a tax free amount, and that can go towards education, home deposit, that kind of thing.","start":1040.21,"end":1062.0901,"sentiment":"neutral","sentiment_score":0.11568023779175499},{"text":"Is that kind of what you're leaning towards?","start":1062.0901,"end":1063.87,"sentiment":"neutral","sentiment_score":0.023668933135922998}],"sentiment":"neutral","sentiment_score":0.13742305399953492,"num_words":90,"start":1029.89,"end":1063.87},{"sentences":[{"text":"Cool.","start":1066.0901,"end":1066.5901,"sentiment":"neutral","sentiment_score":0.08528095483779907},{"text":"Now usually with those, it depends on how much you wanna invest either as a lump sum or a regular amount.","start":1066.875,"end":1073.855,"sentiment":"neutral","sentiment_score":0.03807964637165978},{"text":"Sometimes we start with, like, a a low amount and put some contributions into that regularly.","start":1074.075,"end":1078.975,"sentiment":"neutral","sentiment_score":0.04354014608543366},{"text":"Do you have any kind of figures in mind about, you know, how much savings you've got to put into something like this?","start":1079.2999,"end":1084.6,"sentiment":"neutral","sentiment_score":0.024663541465997696},{"text":"Yep.","start":1105.875,"end":1106.275,"sentiment":"neutral","sentiment_score":0.02487068995833397}],"sentiment":"neutral","sentiment_score":0.03506012918848184,"num_words":62,"start":1066.0901,"end":1106.275},{"sentences":[{"text":"And are you thinking per child or half each?","start":1106.275,"end":1109.5499,"sentiment":"neutral","sentiment_score":0.0028484253626730707},{"text":"Yep.","start":1133.865,"end":1134.365,"sentiment":"neutral","sentiment_score":0.19085435569286344},{"text":"Okay.","start":1135.0399,"end":1135.5399,"sentiment":"neutral","sentiment_score":0.27128997445106506},{"text":"So I reckon working off 50 is a good starting point.","start":1135.84,"end":1139.38,"sentiment":"positive","sentiment_score":0.5641825768080625},{"text":"And what I can do with the children, you've just had you've just come off maternity leave.","start":1139.6799,"end":1148.745,"sentiment":"neutral","sentiment_score":0.1612713450894636}],"sentiment":"neutral","sentiment_score":0.2419333684568604,"num_words":39,"start":1106.275,"end":1148.745},{"sentences":[{"text":"How old will your eldest be?","start":1150.345,"end":1152.125,"sentiment":"neutral","sentiment_score":0.0334464389209946},{"text":"Four.","start":1156.1849,"end":1156.6849,"sentiment":"neutral","sentiment_score":0.09353996813297272},{"text":"Perfect.","start":1157.385,"end":1157.885,"sentiment":"positive","sentiment_score":0.4990389347076416},{"text":"Because what you wanna do when you do this type of bond is you wanna hold it for at least ten years for them.","start":1158.505,"end":1165.74,"sentiment":"neutral","sentiment_score":0.18058252862344185},{"text":"Because if you if you sell it in less than ten years, then there's some taxes that come out.","start":1165.74,"end":1170.86,"sentiment":"neutral","sentiment_score":0.13431912346890099}],"sentiment":"neutral","sentiment_score":0.1505745405733001,"num_words":51,"start":1150.345,"end":1170.86},{"sentences":[{"text":"So once it's past the ten year mark, you're pretty good in terms of being able to transfer it to them.","start":1170.86,"end":1176.105,"sentiment":"positive","sentiment_score":0.43159325633730206},{"text":"So, like, fourteen years is amazing.","start":1176.1849,"end":1178.205,"sentiment":"positive","sentiment_score":0.758472720781962},{"text":"And then we've got the other child there.","start":1181.625,"end":1185.465,"sentiment":"neutral","sentiment_score":0.20807212218642235},{"text":"So what I would like to do last quick question is how much do you actually have in savings at the moment?","start":1185.465,"end":1191.74,"sentiment":"neutral","sentiment_score":0.08074500750411641},{"text":"Do you have a pool of, like, an emergency fund that you've got built up already, or are you still building one up?","start":1191.74,"end":1197.2,"sentiment":"neutral","sentiment_score":0.05374264968154223}],"sentiment":"neutral","sentiment_score":0.2286417849129066,"num_words":80,"start":1170.86,"end":1197.2},{"sentences":[{"text":"Yeah.","start":1213.4551,"end":1213.9551,"sentiment":"neutral","sentiment_score":0.006541755050420761},{"text":"Yep.","start":1214.655,"end":1214.97,"sentiment":"neutral","sentiment_score":0.017127148807048798},{"text":"Yeah.","start":1220.65,"end":1221.0499,"sentiment":"neutral","sentiment_score":0.05906908959150314},{"text":"Absolutely.","start":1221.0499,"end":1221.5499,"sentiment":"neutral","sentiment_score":0.11086566001176834},{"text":"So we don't normally start them with less than, say, 2 to 5,000 per account.","start":1222.49,"end":1229.63,"sentiment":"neutral","sentiment_score":0.04075434555610021}],"sentiment":"neutral","sentiment_score":0.04236414930538127,"num_words":19,"start":1213.4551,"end":1229.63},{"sentences":[{"text":"So what I was thinking is if you're comfortable, let's just do a bit of savings for six to twelve months, get that emergency fund built up because we don't wanna lock it away in case something happens and something goes wrong and you need some funds.","start":1229.825,"end":1242.645,"sentiment":"neutral","sentiment_score":0.15121393856850077},{"text":"And then once you've built up that savings for six to twelve months, maybe we can look at starting a couple of those accounts next year, maybe like a 2,000 minimum and $50 a week, and we can kind of start that going then.","start":1242.8201,"end":1257.225,"sentiment":"neutral","sentiment_score":0.2434832900762558},{"text":"Does that sound a bit better for you?","start":1257.225,"end":1258.9249,"sentiment":"neutral","sentiment_score":0.21171056106686592},{"text":"Yeah.","start":1275.72,"end":1276.04,"sentiment":"neutral","sentiment_score":0.3088882565498352},{"text":"So with the returns, the bonds act similar to hub 24 that we can build you investments in a portfolio when choose the risk level.","start":1276.04,"end":1283.98,"sentiment":"positive","sentiment_score":0.39066218376159667}],"sentiment":"neutral","sentiment_score":0.23671557772159577,"num_words":125,"start":1229.825,"end":1283.98},{"sentences":[{"text":"So if you wanted to go for fourteen years, for example, we could do, like, a growth or a high growth similar to your super and try and get those nine, ten, 11% growth returns.","start":1284.065,"end":1294.645,"sentiment":"neutral","sentiment_score":0.31037634738854},{"text":"I just don't wanna deplete your savings right now for that.","start":1300.3099,"end":1303.2899,"sentiment":"neutral","sentiment_score":-0.006378267976370725},{"text":"If, you know, step one is always making sure you've got an emergency fund first, and then once you've got enough set aside, we can set up a couple of those accounts.","start":1303.4299,"end":1311.895,"sentiment":"neutral","sentiment_score":0.2847038717009127},{"text":"And I would go through that risk discussion with you and kind of show you what we build because inside those bonds, it's got similar investments available, not as many.","start":1314.195,"end":1324.375,"sentiment":"neutral","sentiment_score":0.28825317273537315},{"text":"So we would do something similar to what you've got inside your super.","start":1324.46,"end":1328.0,"sentiment":"neutral","sentiment_score":0.3014895021915436}],"sentiment":"neutral","sentiment_score":0.2683511885606553,"num_words":121,"start":1284.065,"end":1328.0},{"sentences":[{"text":"No.","start":1359.61,"end":1359.93,"sentiment":"neutral","sentiment_score":-0.19774261116981504},{"text":"Once you put it in the super, they lock it away until you're 60, so we wouldn't be able to put it into a child investment bond.","start":1359.93,"end":1366.005,"sentiment":"neutral","sentiment_score":-0.16487651925396035},{"text":"You'd have to pull it up into a savings account first.","start":1366.0651,"end":1369.045,"sentiment":"neutral","sentiment_score":0.009333280253816734},{"text":"Yeah.","start":1380.48,"end":1380.88,"sentiment":"neutral","sentiment_score":0.08748500794172287},{"text":"Pretty much.","start":1380.88,"end":1381.52,"sentiment":"neutral","sentiment_score":0.16163617372512817}],"sentiment":"neutral","sentiment_score":-0.09847583792482813,"num_words":42,"start":1359.61,"end":1381.52},{"sentences":[{"text":"Whether it's your own main savings account or a separate account, it doesn't have to be in their name to start with.","start":1381.52,"end":1387.28,"sentiment":"neutral","sentiment_score":0.16329097578471358},{"text":"And what I'm thinking is if you do $50 a week, that's 2,600 straight away.","start":1387.28,"end":1393.205,"sentiment":"neutral","sentiment_score":0.3196074108282725},{"text":"And if we can do that for twelve months, you pretty much have enough there to open up one of those accounts.","start":1393.825,"end":1399.2849,"sentiment":"neutral","sentiment_score":0.3216040777889165},{"text":"So I wanted to set you a bit of a a savings goal.","start":1403.2649,"end":1405.72,"sentiment":"neutral","sentiment_score":0.30151115429516023},{"text":"If you can put aside $50 a week for each of them and build up that kind of 5,200, then in twelve months' time, I can use that as a starting point, build you a plan, build you a portfolio, and we can open those accounts and get it going a bit faster.","start":1405.72,"end":1421.6649,"sentiment":"neutral","sentiment_score":0.29118593824359607}],"sentiment":"neutral","sentiment_score":0.278514416590333,"num_words":125,"start":1381.52,"end":1421.6649},{"sentences":[{"text":"That sound okay for you, Sandra?","start":1424.6849,"end":1426.3049,"sentiment":"neutral","sentiment_score":0.3229743291934331},{"text":"Amazing.","start":1431.1649,"end":1431.6649,"sentiment":"positive","sentiment_score":0.8093900680541992},{"text":"I'll just add it as a goal for now, and that's something that I can check with you at the next review, whether it's myself or Connor.","start":1432.11,"end":1437.97,"sentiment":"positive","sentiment_score":0.5397416872006876},{"text":"But, look, that'll be amazing.","start":1438.11,"end":1441.15,"sentiment":"positive","sentiment_score":0.722341525554657},{"text":"Like, I've I'll give you a bit of an idea here just for future reference.","start":1441.15,"end":1445.73,"sentiment":"positive","sentiment_score":0.39057724674542743}],"sentiment":"positive","sentiment_score":0.49612273938126034,"num_words":54,"start":1424.6849,"end":1445.73},{"sentences":[{"text":"So, usually, the the sort of setup fee is about 350.","start":1447.07,"end":1452.705,"sentiment":"neutral","sentiment_score":0.1605328687212684},{"text":"So let's say you've got 2,600 there per child, and you put in 2,250 with $50 a week.","start":1453.645,"end":1463.87,"sentiment":"neutral","sentiment_score":0.1235490416487058},{"text":"I'm just doing a quick projection for you, and we'll go fourteen years at that sort of 10% return.","start":1463.87,"end":1470.21,"sentiment":"neutral","sentiment_score":0.28731722659186315},{"text":"You would've put in $36,000, but it would be worth around 85,000 to pass over to your eldest child when they turn 18.","start":1471.6299,"end":1480.225,"sentiment":"neutral","sentiment_score":0.21280111955559772},{"text":"Oh, yeah.","start":1498.9249,"end":1499.245,"sentiment":"neutral","sentiment_score":0.28077462315559387}],"sentiment":"neutral","sentiment_score":0.20417461105405468,"num_words":73,"start":1447.07,"end":1499.245},{"sentences":[{"text":"That's a good idea.","start":1499.245,"end":1500.3049,"sentiment":"positive","sentiment_score":0.5913251340389252},{"text":"Unfortunately, the account has to be linked to the beneficiary that gets it at the end of the day, so you couldn't do the the one account.","start":1500.765,"end":1507.905,"sentiment":"neutral","sentiment_score":-0.05288243073004263},{"text":"Otherwise, it would just go to the one one person.","start":1507.965,"end":1510.225,"sentiment":"neutral","sentiment_score":-0.0167655972763896},{"text":"But we don't we don't charge any, like, advice fees to look after those.","start":1517.34,"end":1521.6,"sentiment":"neutral","sentiment_score":0.0908745883830956},{"text":"So what we do is we just set it up.","start":1521.66,"end":1524.16,"sentiment":"neutral","sentiment_score":0.22142861783504486}],"sentiment":"neutral","sentiment_score":0.0654822976829914,"num_words":65,"start":1499.245,"end":1524.16},{"sentences":[{"text":"You put your $50 in, and then we can review it as part of your super review.","start":1524.22,"end":1528.875,"sentiment":"neutral","sentiment_score":0.22901042857590845},{"text":"If we need to update the investments, we can do that basically for free for you.","start":1529.0149,"end":1532.7949,"sentiment":"neutral","sentiment_score":0.2801800016313791},{"text":"And if you wanna increase or decrease your contributions, you can do that as well.","start":1532.9349,"end":1537.5149,"sentiment":"neutral","sentiment_score":0.21836815973122914},{"text":"Yep.","start":1546.3099,"end":1546.8099,"sentiment":"neutral","sentiment_score":0.1251349151134491},{"text":"That's just a bit of a conservative estimate.","start":1547.2699,"end":1549.45,"sentiment":"neutral","sentiment_score":0.0907451722305268}],"sentiment":"neutral","sentiment_score":0.21934519299681773,"num_words":57,"start":1524.22,"end":1549.45},{"sentences":[{"text":"And then your other chart, if you go a couple extra years, you know, it'll be closer to that $100,000 mark.","start":1549.9099,"end":1555.445,"sentiment":"neutral","sentiment_score":0.04378199337848595},{"text":"And we'll, again, just save for for twelve months and and get that built up, and then we'll have another discussion.","start":1572.48,"end":1577.78,"sentiment":"neutral","sentiment_score":0.29229336977005005},{"text":"I'll run through in a bit more detail with you.","start":1577.985,"end":1580.225,"sentiment":"neutral","sentiment_score":0.16006729304790496},{"text":"I'll build you an updated plan so you can see it in writing first.","start":1580.225,"end":1583.765,"sentiment":"neutral","sentiment_score":0.24682249554565974},{"text":"And then if you're comfortable with that, we can go ahead and set them up.","start":1583.825,"end":1587.045,"sentiment":"neutral","sentiment_score":0.23591296672821044}],"sentiment":"neutral","sentiment_score":0.19324030858223085,"num_words":81,"start":1549.9099,"end":1587.045},{"sentences":[{"text":"Yeah.","start":1613.375,"end":1613.875,"sentiment":"neutral","sentiment_score":0.04651736468076706},{"text":"So what'll happen is when we do any type of advice, we put together the the statement of advice document to show you what we think you should do.","start":1641.38,"end":1650.12,"sentiment":"neutral","sentiment_score":0.07032676137469966},{"text":"Once you sign off on that, we would do an application.","start":1650.42,"end":1653.4601,"sentiment":"neutral","sentiment_score":0.07965346324172887},{"text":"Like, when you opened up your super account, we would actually do an application to open that account, and then we can work on actually depositing the funds.","start":1653.4601,"end":1661.565,"sentiment":"neutral","sentiment_score":0.0947025850681322},{"text":"Yep.","start":1677.72,"end":1678.2,"sentiment":"neutral","sentiment_score":0.12144824862480164}],"sentiment":"neutral","sentiment_score":0.08193288815340825,"num_words":70,"start":1613.375,"end":1678.2},{"sentences":[{"text":"Okay.","start":1678.2,"end":1678.7,"sentiment":"neutral","sentiment_score":0.15549564361572266},{"text":"Easy done.","start":1680.92,"end":1681.48,"sentiment":"positive","sentiment_score":0.48812517523765564},{"text":"So at the moment, portfolio fix up for the hub 24.","start":1681.48,"end":1685.625,"sentiment":"neutral","sentiment_score":0.08962206779555841},{"text":"We will look at the quote for the income protection, and then I will just work with you to see if we can either fully close down HESTA and move the contributions or just keep it going if there's an EBA.","start":1686.005,"end":1699.02,"sentiment":"neutral","sentiment_score":0.1075174427795701},{"text":"And your salary sacrifice, you're just okay to keep that going at the current rate.","start":1699.4,"end":1704.06,"sentiment":"neutral","sentiment_score":0.13190469990173975}],"sentiment":"neutral","sentiment_score":0.12149106274758066,"num_words":70,"start":1678.2,"end":1704.06},{"sentences":[{"text":"Perfect.","start":1711.0,"end":1711.24,"sentiment":"positive","sentiment_score":0.5940086841583252},{"text":"Yep.","start":1711.24,"end":1711.665,"sentiment":"neutral","sentiment_score":0.2872076630592346},{"text":"And then for the children, I've just added there a goal to set aside $50 a week to save for their their sort of future education and home deposit and so on.","start":1711.745,"end":1720.9451,"sentiment":"neutral","sentiment_score":0.32319149549584836},{"text":"And then in twelve months' time, we'll look at maybe setting up some investments for them.","start":1720.9451,"end":1735.48,"sentiment":"neutral","sentiment_score":0.00899695249972865},{"text":"Yeah.","start":1735.48,"end":1735.88,"sentiment":"neutral","sentiment_score":-0.04630772024393082}],"sentiment":"neutral","sentiment_score":0.22198015142816538,"num_words":51,"start":1711.0,"end":1735.88},{"sentences":[{"text":"Gotcha.","start":1735.88,"end":1736.38,"sentiment":"neutral","sentiment_score":-0.05568073317408562},{"text":"Oh, that's fun.","start":1745.655,"end":1747.1951,"sentiment":"positive","sentiment_score":0.3935431142648061},{"text":"That's oh, they do charge a lot, don't they?","start":1747.255,"end":1749.975,"sentiment":"neutral","sentiment_score":-0.017093711015250947},{"text":"And then I'm assuming you'll get a bit of a refund as well.","start":1749.975,"end":1752.51,"sentiment":"neutral","sentiment_score":0.01466523426083418},{"text":"Yep.","start":1759.87,"end":1760.27,"sentiment":"neutral","sentiment_score":0.04778464138507843}],"sentiment":"neutral","sentiment_score":0.04479769989848137,"num_words":27,"start":1735.88,"end":1760.27},{"sentences":[{"text":"Oh, no, Sandra.","start":1760.27,"end":1761.31,"sentiment":"neutral","sentiment_score":-0.045650447408358254},{"text":"I've just had my third child and look.","start":1761.31,"end":1763.23,"sentiment":"neutral","sentiment_score":-0.114276222884655},{"text":"When I got my I think I got a $3,000 refund from updating the income around tax time, and I was just like, wow.","start":1763.23,"end":1769.775,"sentiment":"neutral","sentiment_score":-0.13052724612255892},{"text":"We were overpaying that much, and it can be quite a lot.","start":1769.835,"end":1773.0549,"sentiment":"negative","sentiment_score":-0.38177161912123364},{"text":"Yep.","start":1784.33,"end":1784.83,"sentiment":"neutral","sentiment_score":-0.05367182940244675}],"sentiment":"neutral","sentiment_score":-0.18372388106460372,"num_words":48,"start":1760.27,"end":1784.83},{"sentences":[{"text":"No fun.","start":1801.145,"end":1801.885,"sentiment":"negative","sentiment_score":-0.43324729800224304},{"text":"Fair enough.","start":1806.03,"end":1806.77,"sentiment":"neutral","sentiment_score":0.007202567532658577},{"text":"Alright, Sandra.","start":1807.9501,"end":1808.75,"sentiment":"neutral","sentiment_score":0.07638205587863922},{"text":"Was there anything else that I can help you with in this round of strategy updates?","start":1808.75,"end":1813.3301,"sentiment":"neutral","sentiment_score":0.0750300227664411},{"text":"Oh, actually, there was one last thing.","start":1816.03,"end":1818.43,"sentiment":"neutral","sentiment_score":0.002855578437447548}],"sentiment":"neutral","sentiment_score":0.01797048497045862,"num_words":29,"start":1801.145,"end":1818.43},{"sentences":[{"text":"I do apologize.","start":1818.43,"end":1819.17,"sentiment":"neutral","sentiment_score":-0.057998413840929665},{"text":"The beneficiary nominations for your super and your life insurance, I just wanted to double check who you wanted that to all go to.","start":1820.365,"end":1831.485,"sentiment":"neutral","sentiment_score":-0.02058637576798598},{"text":"Okay.","start":1831.485,"end":1831.8049,"sentiment":"neutral","sentiment_score":0.0063287969678640366},{"text":"I'll send you out some blank forms.","start":1831.8049,"end":1833.485,"sentiment":"neutral","sentiment_score":0.05449806659349373},{"text":"And if you have some ideas on who you'd like or any questions, when you get the forms, please just call in.","start":1833.485,"end":1840.63,"sentiment":"neutral","sentiment_score":0.06579064797948707}],"sentiment":"neutral","sentiment_score":0.020476162433624268,"num_words":57,"start":1818.43,"end":1840.63},{"sentences":[{"text":"I'll walk you through it in two minutes flat.","start":1840.63,"end":1842.65,"sentiment":"neutral","sentiment_score":0.12680744462543064},{"text":"Perfect.","start":1845.4299,"end":1845.9299,"sentiment":"positive","sentiment_score":0.4933652579784394},{"text":"Alrighty.","start":1846.23,"end":1846.73,"sentiment":"neutral","sentiment_score":0.28477486968040466},{"text":"So I'll put this together.","start":1846.79,"end":1848.09,"sentiment":"neutral","sentiment_score":0.15566607639193536},{"text":"It will take me a couple of weeks just to get all of the research from Hester, the insurer, and the comparisons for the portfolio, and then I'll get Michelle to give you a call, book you in with me, and I'll run through the updated plan, get your permission first.","start":1848.15,"end":1862.64,"sentiment":"neutral","sentiment_score":0.13546770387420468}],"sentiment":"neutral","sentiment_score":0.14338194640047514,"num_words":67,"start":1840.63,"end":1862.64},{"sentences":[{"text":"Yeah.","start":1875.68,"end":1876.08,"sentiment":"neutral","sentiment_score":0.30077141523361206},{"text":"Yep.","start":1876.08,"end":1876.4,"sentiment":"positive","sentiment_score":0.3364213705062866},{"text":"I'll do that straight away.","start":1876.4,"end":1881.3049,"sentiment":"positive","sentiment_score":0.5948479652404786},{"text":"Amazing, Sandra.","start":1881.525,"end":1882.325,"sentiment":"positive","sentiment_score":0.8037710189819336},{"text":"Thank you so much for your time today, and I will talk to you again soon.","start":1882.325,"end":1885.705,"sentiment":"positive","sentiment_score":0.8042348623275757}],"sentiment":"positive","sentiment_score":0.7234692978858948,"num_words":25,"start":1875.68,"end":1885.705},{"sentences":[{"text":"Amazing.","start":1888.4049,"end":1888.8049,"sentiment":"positive","sentiment_score":0.7897367477416992},{"text":"Have a great day.","start":1888.8049,"end":1889.605,"sentiment":"positive","sentiment_score":0.7736606895923615},{"text":"Bye.","start":1889.605,"end":1890.105,"sentiment":"positive","sentiment_score":0.43306320905685425}],"sentiment":"positive","sentiment_score":0.7195737858613332,"num_words":6,"start":1888.4049,"end":1890.105}]}}]},{"alternatives":[{"transcript":"Good morning. Hi. Good. Thank you. Yes. Did did you just call me? It just didn't ring on my phone, sir. That's okay. Yeah. Uh-huh. Mhmm. Yep. Mhmm. Yeah. I'm happy to just sell it and not propagate it and then, yeah, just cut the losses, I guess. Yeah. Yep. I guess it depends on the percentage, really. I think medium, probably, somewhere in the middle if it's if it's high return. And if the cost is acceptable, I guess, it's okay. I think it if it's like I don't know, actually. Yeah. I think higher return is actually better if if if the cost yeah. If it's affordable. So yeah. Did you guys agree? Yes. Yeah. Mhmm. Yep. Mhmm. Yeah. What's the next level up, sir? Yeah. No. I think it is just fine. Yeah. Yep. Mhmm. Mhmm. Mhmm. We'll probably want to insure for that because it's not paid off yet. So, technically, I won't be able to live off them. So at the moment, probably insured for them for now just because if anything does happen, there's still money to pay them off. And then if I pay my investment off, then the money can be lift off. You can lift off the investment money then. Yeah. Mhmm. Okay. Yeah. Yeah. Because my current debt is yeah. I'll just have a quick look. 760. Yeah. That's fine. Yeah. Mhmm. Yep. That sounds good. Yeah. It should be okay. Okay. Yep. Yep. Mhmm. Yeah. Mhmm. The Hestafam. I it's just I'm not really sure. Can I have two Superfunds? Just because yeah. Just because I'm I'm still working with the mother. I think that's just more convenient for mother to I think mother only goes into a restaurant. I do have two, maybe three soon. Yeah. Source of income. Yeah. What was the other one you say? Yes. Summer Home Care is my second one. Yeah. It's I just started it recently. So that Oh. Because I think I think they do last time they do a a no wrong over or some sort. And then yeah. No. Because I might have EBA agreements as well. I'm not sure whether it's with Super or not with HESTA. Yeah. Because we do have a yearly update of EBAs for our salary increment and working spaces. So, yeah, we do have EBA agreements in place, but we're not sure I'm not sure whether it's affecting the superfund or not. Yeah. Sure. Because I remember last time asking them before. That's why they were saying that it's mother only pays into Hester. I think this is internally linked of some sort. But yeah. Yeah. Yes. Yep. No. No. What's the set amount? Like, 15,000. Yeah. Yeah. Yeah. No. So it's 15 15899.94. A pay slip. I do I do have a no rate at least as well. Yes. And just gonna have to find online. What's the date today? Okay. 05/08. Let's see. Yes. What's your Yep. Mhmm. Mhmm. Okay. Okay. Okay. Sure. Yeah. Mhmm. Yes. Yep. Maybe maybe 50 a week or something or a 100. A 100, that would be, like, 52. 5,200 per year. That's on top of just school fee stuff. So maybe per child. Mhmm. Maybe per child, but yeah. I guess it depends on, yeah, how much, or what the current situation is. If it's gonna be be be full tax, then they can do a 100 per child. Whereas after tax, it's probably 50. Mhmm. About four. A little bit. Yeah. Yes. Yes. Kinda still building one up. I just because I've refinanced, and there's a a lump of money that I do have saved up for school fees next year. So yeah. So that's kinda untouchable. Yeah. Yeah. Yes. Do you know how how much the the save like, the what's the return rate? Like, how many percent per year? Okay. Nine, ten, 11. Yep. Cool. Yep. Okay. Mhmm. So so do you so I so I have to do the savings by myself. Is it is it is it possible to take it out of super, Or is it like a super contribution? Can I just do an additional, like, $200 into super and super can get the money from there to save up for their bond? Okay. Okay. So, like, a saving account of my my bank account. Is that so I'm just trying Okay. So minimum Okay. Yeah. Yeah. Yeah. Sounds okay. Mhmm. Mhmm. And what what are the chances if I want to do them both actually into one account? And then so it saves me 350 of management fees in it to set up the fee. Okay. Yeah. Okay. So 36,000, and I'll get 85,000. Okay. Yeah. Mhmm. Yep. Cool. And then so that's about yeah. Cool. That's good to know. And Yeah. Because I'm just thinking if I wanted to wait another year. I do maybe have 2,000 spare to start up one account first. I think my daughter can wait another year If I could start my son one first. Because I'll be what's the beginning of the year? Month. Yeah. So do I just transfer the fund to someone? Or Okay. Yep. Okay. That'll be great. It's it's okay. Maybe we'll start it next year then. Yep. Cool. Yes. Yeah. The lower sacrifice at the current rate. Yes. Yeah. Yeah. It's just because, currently, my childcare subsidy yeah. Wouldn't be able to take that much money out. Yeah. Centrelink subsidy hasn't come approved yet, so I've been paying $800 per week for childcare. Yeah. Yeah. Yeah. Hopefully, soon. It's been over almost three and a half weeks four weeks now. Yeah. Yeah. And, yeah, this this the thing is I don't know if I'm gonna get my money back because, she's going to childcare four days a week now. And then and then the center link thingy, I don't know why they go through. It'll need time for it to be assessed and payment balancing and waiting confirmation information or whatever. So yeah. A bit yeah. A bit all over the place. No. I'm good now. Yeah. I'm not sure yet. Okay. Sure. Yes. If you could send me an email in regards to the HESTA, that would be great because I know what I'm gonna tell them about That'd be awesome as well. Okay. Great. Thank you for okay. Thank you. 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morning. Hi. Good. Thank you. Yes.\n\nDid did you just call me? It just didn't ring on my phone, sir. That's okay. Yeah. Uh-huh.\n\nMhmm. Yep. Mhmm. Yeah. I'm happy to just sell it and not propagate it and then, yeah, just cut the losses, I guess.\n\nYeah. Yep. I guess it depends on the percentage, really. I think medium, probably, somewhere in the middle if it's if it's high return. And if the cost is acceptable, I guess, it's okay.\n\nI think it if it's like I don't know, actually. Yeah. I think higher return is actually better if if if the cost yeah. If it's affordable. So yeah.\n\nDid you guys agree? Yes. Yeah. Mhmm. Yep.\n\nMhmm. Yeah. What's the next level up, sir? Yeah. No.\n\nI think it is just fine. Yeah. Yep. Mhmm. Mhmm.\n\nMhmm. We'll probably want to insure for that because it's not paid off yet. So, technically, I won't be able to live off them. So at the moment, probably insured for them for now just because if anything does happen, there's still money to pay them off. And then if I pay my investment off, then the money can be lift off.\n\nYou can lift off the investment money then. Yeah. Mhmm. Okay. Yeah.\n\nYeah. Because my current debt is yeah. I'll just have a quick look. 760. Yeah.\n\nThat's fine. Yeah. Mhmm. Yep. That sounds good.\n\nYeah. It should be okay. Okay. Yep. Yep.\n\nMhmm. Yeah. Mhmm. The Hestafam. I it's just I'm not really sure.\n\nCan I have two Superfunds? Just because yeah. Just because I'm I'm still working with the mother. I think that's just more convenient for mother to I think mother only goes into a restaurant. I do have two, maybe three soon.\n\nYeah. Source of income. Yeah. What was the other one you say? Yes.\n\nSummer Home Care is my second one. Yeah. It's I just started it recently. So that Oh. Because I think I think they do last time they do a a no wrong over or some sort.\n\nAnd then yeah. No. Because I might have EBA agreements as well. I'm not sure whether it's with Super or not with HESTA. Yeah.\n\nBecause we do have a yearly update of EBAs for our salary increment and working spaces. So, yeah, we do have EBA agreements in place, but we're not sure I'm not sure whether it's affecting the superfund or not. Yeah. Sure. Because I remember last time asking them before.\n\nThat's why they were saying that it's mother only pays into Hester. I think this is internally linked of some sort. But yeah. Yeah. Yes.\n\nYep. No. No. What's the set amount? Like, 15,000.\n\nYeah. Yeah. Yeah. No. So it's 15 15899.94.\n\nA pay slip. I do I do have a no rate at least as well. Yes. And just gonna have to find online. What's the date today?\n\nOkay. 05/08. Let's see. Yes. What's your Yep.\n\nMhmm. Mhmm. Okay. Okay. Okay.\n\nSure. Yeah. Mhmm. Yes. Yep.\n\nMaybe maybe 50 a week or something or a 100. A 100, that would be, like, 52. 5,200 per year. That's on top of just school fee stuff. So maybe per child.\n\nMhmm. Maybe per child, but yeah. I guess it depends on, yeah, how much, or what the current situation is. If it's gonna be be be full tax, then they can do a 100 per child. Whereas after tax, it's probably 50.\n\nMhmm. About four. A little bit. Yeah. Yes.\n\nYes. Kinda still building one up. I just because I've refinanced, and there's a a lump of money that I do have saved up for school fees next year. So yeah. So that's kinda untouchable.\n\nYeah. Yeah. Yes. Do you know how how much the the save like, the what's the return rate? Like, how many percent per year?\n\nOkay. Nine, ten, 11. Yep. Cool. Yep.\n\nOkay. Mhmm. So so do you so I so I have to do the savings by myself. Is it is it is it possible to take it out of super, Or is it like a super contribution? Can I just do an additional, like, $200 into super and super can get the money from there to save up for their bond?\n\nOkay. Okay. So, like, a saving account of my my bank account. Is that so I'm just trying Okay. So minimum Okay.\n\nYeah. Yeah. Yeah. Sounds okay. Mhmm.\n\nMhmm. And what what are the chances if I want to do them both actually into one account? And then so it saves me 350 of management fees in it to set up the fee. Okay. Yeah.\n\nOkay. So 36,000, and I'll get 85,000. Okay. Yeah. Mhmm.\n\nYep. Cool. And then so that's about yeah. Cool. That's good to know.\n\nAnd Yeah. Because I'm just thinking if I wanted to wait another year. I do maybe have 2,000 spare to start up one account first. I think my daughter can wait another year If I could start my son one first. Because I'll be what's the beginning of the year?\n\nMonth. Yeah. So do I just transfer the fund to someone? Or Okay. Yep.\n\nOkay. That'll be great. It's it's okay. Maybe we'll start it next year then. Yep.\n\nCool. Yes. Yeah. The lower sacrifice at the current rate. Yes.\n\nYeah. Yeah. It's just because, currently, my childcare subsidy yeah. Wouldn't be able to take that much money out. Yeah.\n\nCentrelink subsidy hasn't come approved yet, so I've been paying $800 per week for childcare. Yeah. Yeah. Yeah. Hopefully, soon.\n\nIt's been over almost three and a half weeks four weeks now. Yeah. Yeah. And, yeah, this this the thing is I don't know if I'm gonna get my money back because, she's going to childcare four days a week now. And then and then the center link thingy, I don't know why they go through.\n\nIt'll need time for it to be assessed and payment balancing and waiting confirmation information or whatever. So yeah. A bit yeah. A bit all over the place. No.\n\nI'm good now. Yeah. I'm not sure yet. Okay. Sure.\n\nYes. If you could send me an email in regards to the HESTA, that would be great because I know what I'm gonna tell them about That'd be awesome as well. Okay. Great. Thank you for okay.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.72,"end":3.54,"sentiment":"positive","sentiment_score":0.46779848635196686},{"text":"Hi.","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.29857978224754333},{"text":"Good.","start":6.72,"end":7.04,"sentiment":"positive","sentiment_score":0.5635340213775635},{"text":"Thank you.","start":7.04,"end":7.7799997,"sentiment":"positive","sentiment_score":0.5681117475032806},{"text":"Yes.","start":8.559999,"end":9.059999,"sentiment":"neutral","sentiment_score":0.15591976046562195}],"sentiment":"positive","sentiment_score":0.44140771882874624,"num_words":7,"start":2.72,"end":9.059999},{"sentences":[{"text":"Did did you just call me?","start":9.12,"end":10.719999,"sentiment":"neutral","sentiment_score":0.030902912219365437},{"text":"It just didn't ring on my phone, sir.","start":10.719999,"end":12.98,"sentiment":"neutral","sentiment_score":-0.15278078615665436},{"text":"That's 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yeah.","start":1215.4601,"end":1216.66,"sentiment":"neutral","sentiment_score":-0.01746052224189043},{"text":"So that's kinda untouchable.","start":1216.66,"end":1219.275,"sentiment":"neutral","sentiment_score":-0.08487377129495144}],"sentiment":"neutral","sentiment_score":0.024231910705566406,"num_words":35,"start":1179.33,"end":1219.275},{"sentences":[{"text":"Yeah.","start":1222.375,"end":1222.875,"sentiment":"neutral","sentiment_score":0.061977386474609375},{"text":"Yeah.","start":1260.15,"end":1260.65,"sentiment":"neutral","sentiment_score":0.115243598818779},{"text":"Yes.","start":1262.7101,"end":1263.2101,"sentiment":"neutral","sentiment_score":0.11036257445812224},{"text":"Do you know how how much the the save like, the what's the return rate?","start":1263.27,"end":1272.87,"sentiment":"neutral","sentiment_score":0.06672413026293118},{"text":"Like, how many percent per year?","start":1272.87,"end":1275.13,"sentiment":"neutral","sentiment_score":0.126250380029281}],"sentiment":"neutral","sentiment_score":0.08524782474463184,"num_words":24,"start":1222.375,"end":1275.13},{"sentences":[{"text":"Okay.","start":1296.1799,"end":1296.6799,"sentiment":"neutral","sentiment_score":0.17419850826263428},{"text":"Nine, ten, 11.","start":1296.82,"end":1297.86,"sentiment":"neutral","sentiment_score":0.13548538337151209},{"text":"Yep.","start":1297.86,"end":1298.36,"sentiment":"positive","sentiment_score":0.3542576730251312},{"text":"Cool.","start":1298.4199,"end":1298.9199,"sentiment":"positive","sentiment_score":0.5600497722625732},{"text":"Yep.","start":1299.22,"end":1299.72,"sentiment":"positive","sentiment_score":0.4517952799797058}],"sentiment":"neutral","sentiment_score":0.2781081976635115,"num_words":7,"start":1296.1799,"end":1299.72},{"sentences":[{"text":"Okay.","start":1312.845,"end":1313.345,"sentiment":"neutral","sentiment_score":0.29666149616241455},{"text":"Mhmm.","start":1329.06,"end":1329.56,"sentiment":"neutral","sentiment_score":0.0463947094976902},{"text":"So so do you so I so I have to do the savings by myself.","start":1331.865,"end":1340.125,"sentiment":"neutral","sentiment_score":0.020968181639909746},{"text":"Is it is it is it possible to take it out of super, Or is it like a super contribution?","start":1341.0651,"end":1348.42,"sentiment":"neutral","sentiment_score":0.011322394106537103},{"text":"Can I just do an additional, like, $200 into super and super can get the money from there to save up for their bond?","start":1348.64,"end":1358.3401,"sentiment":"neutral","sentiment_score":0.11373824176068108}],"sentiment":"neutral","sentiment_score":0.059241714994194075,"num_words":61,"start":1312.845,"end":1358.3401},{"sentences":[{"text":"Okay.","start":1366.275,"end":1366.775,"sentiment":"neutral","sentiment_score":0.0019625648856163025},{"text":"Okay.","start":1370.4349,"end":1370.9349,"sentiment":"neutral","sentiment_score":0.0763104036450386},{"text":"So, like, a saving account of my my bank account.","start":1371.315,"end":1378.6699,"sentiment":"neutral","sentiment_score":0.10034720227122307},{"text":"Is that so I'm just trying Okay.","start":1378.89,"end":1400.9651,"sentiment":"neutral","sentiment_score":0.1236500112073762},{"text":"So minimum Okay.","start":1403.19,"end":1423.005,"sentiment":"neutral","sentiment_score":0.1866379181543986}],"sentiment":"neutral","sentiment_score":0.11396403746171431,"num_words":22,"start":1366.275,"end":1423.005},{"sentences":[{"text":"Yeah.","start":1426.505,"end":1427.005,"sentiment":"neutral","sentiment_score":0.20958995819091797},{"text":"Yeah.","start":1427.0651,"end":1427.465,"sentiment":"neutral","sentiment_score":0.2226616144180298},{"text":"Yeah.","start":1427.465,"end":1427.965,"sentiment":"neutral","sentiment_score":0.31331324577331543},{"text":"Sounds okay.","start":1428.345,"end":1429.325,"sentiment":"positive","sentiment_score":0.5957388579845428},{"text":"Mhmm.","start":1458.4149,"end":1458.9149,"sentiment":"neutral","sentiment_score":0.12807878851890564}],"sentiment":"positive","sentiment_score":0.3441868871450424,"num_words":6,"start":1426.505,"end":1458.9149},{"sentences":[{"text":"Mhmm.","start":1480.625,"end":1481.125,"sentiment":"neutral","sentiment_score":0.08668150007724762},{"text":"And what what are the chances if I want to do them both actually into one account?","start":1482.625,"end":1490.6,"sentiment":"neutral","sentiment_score":0.11393131249967743},{"text":"And then so it saves me 350 of management fees in it to set up the fee.","start":1491.54,"end":1497.4,"sentiment":"neutral","sentiment_score":0.20866978869718664},{"text":"Okay.","start":1516.6,"end":1516.92,"sentiment":"neutral","sentiment_score":0.07579507678747177},{"text":"Yeah.","start":1516.92,"end":1517.42,"sentiment":"neutral","sentiment_score":0.08805692195892334}],"sentiment":"neutral","sentiment_score":0.15499330322081978,"num_words":37,"start":1480.625,"end":1517.42},{"sentences":[{"text":"Okay.","start":1538.125,"end":1538.625,"sentiment":"neutral","sentiment_score":0.09871670603752136},{"text":"So 36,000, and I'll get 85,000.","start":1539.65,"end":1543.83,"sentiment":"neutral","sentiment_score":0.12256697689493497},{"text":"Okay.","start":1544.45,"end":1544.95,"sentiment":"neutral","sentiment_score":0.10672955960035324},{"text":"Yeah.","start":1546.0499,"end":1546.5499,"sentiment":"neutral","sentiment_score":0.11431972682476044},{"text":"Mhmm.","start":1556.145,"end":1556.645,"sentiment":"neutral","sentiment_score":0.08130510151386261}],"sentiment":"neutral","sentiment_score":0.11364729553461075,"num_words":10,"start":1538.125,"end":1556.645},{"sentences":[{"text":"Yep.","start":1557.585,"end":1558.085,"sentiment":"neutral","sentiment_score":0.2629486620426178},{"text":"Cool.","start":1560.145,"end":1560.645,"sentiment":"positive","sentiment_score":0.5186818242073059},{"text":"And then so that's about yeah.","start":1560.7849,"end":1564.885,"sentiment":"neutral","sentiment_score":0.26523226002852124},{"text":"Cool.","start":1567.95,"end":1568.45,"sentiment":"positive","sentiment_score":0.7322078347206116},{"text":"That's good to know.","start":1568.51,"end":1569.47,"sentiment":"positive","sentiment_score":0.7877012193202972}],"sentiment":"positive","sentiment_score":0.4812335968017578,"num_words":13,"start":1557.585,"end":1569.47},{"sentences":[{"text":"And Yeah.","start":1569.47,"end":1588.8151,"sentiment":"neutral","sentiment_score":0.24501606822013855},{"text":"Because I'm just thinking if I wanted to wait another year.","start":1588.8151,"end":1592.435,"sentiment":"neutral","sentiment_score":0.011711840094490484},{"text":"I do maybe have 2,000 spare to start up one account first.","start":1600.0901,"end":1608.35,"sentiment":"neutral","sentiment_score":0.053482813450197376},{"text":"I think my daughter can wait another year If I could start my son one first.","start":1609.37,"end":1616.885,"sentiment":"neutral","sentiment_score":0.030669439467601478},{"text":"Because I'll be what's the beginning of the year?","start":1623.665,"end":1628.405,"sentiment":"neutral","sentiment_score":0.02560767365826501}],"sentiment":"neutral","sentiment_score":0.03963672466576099,"num_words":50,"start":1569.47,"end":1628.405},{"sentences":[{"text":"Month.","start":1632.5399,"end":1632.7799,"sentiment":"neutral","sentiment_score":0.012592270970344543},{"text":"Yeah.","start":1632.7799,"end":1633.2799,"sentiment":"neutral","sentiment_score":0.03451583534479141},{"text":"So do I just transfer the fund to someone?","start":1635.82,"end":1639.2799,"sentiment":"neutral","sentiment_score":0.015585328452289104},{"text":"Or Okay.","start":1639.5,"end":1663.16,"sentiment":"neutral","sentiment_score":0.08059730101376772},{"text":"Yep.","start":1663.4601,"end":1663.9601,"sentiment":"neutral","sentiment_score":0.14485207200050354}],"sentiment":"neutral","sentiment_score":0.035244481172412634,"num_words":14,"start":1632.5399,"end":1663.9601},{"sentences":[{"text":"Okay.","start":1671.7151,"end":1672.2151,"sentiment":"neutral","sentiment_score":0.24728107452392575},{"text":"That'll be great.","start":1672.275,"end":1673.155,"sentiment":"positive","sentiment_score":0.546351949373881},{"text":"It's it's okay.","start":1673.155,"end":1674.295,"sentiment":"positive","sentiment_score":0.3336462378501892},{"text":"Maybe we'll start it next year then.","start":1675.0751,"end":1677.175,"sentiment":"neutral","sentiment_score":0.1990352443286351},{"text":"Yep.","start":1678.515,"end":1679.015,"sentiment":"neutral","sentiment_score":0.20953468978405}],"sentiment":"neutral","sentiment_score":0.2993371357520421,"num_words":15,"start":1671.7151,"end":1679.015},{"sentences":[{"text":"Cool.","start":1679.155,"end":1679.655,"sentiment":"positive","sentiment_score":0.4783899188041687},{"text":"Yes.","start":1705.6849,"end":1706.1849,"sentiment":"neutral","sentiment_score":0.12250296771526337},{"text":"Yeah.","start":1707.765,"end":1708.265,"sentiment":"neutral","sentiment_score":0.12212833017110825},{"text":"The lower sacrifice at the current rate.","start":1708.325,"end":1710.485,"sentiment":"neutral","sentiment_score":0.12066318946225303},{"text":"Yes.","start":1710.485,"end":1710.93,"sentiment":"positive","sentiment_score":0.36751341819763184}],"sentiment":"neutral","sentiment_score":0.17592517828399484,"num_words":11,"start":1679.155,"end":1710.93},{"sentences":[{"text":"Yeah.","start":1726.13,"end":1726.515,"sentiment":"neutral","sentiment_score":0.011065104976296425},{"text":"Yeah.","start":1726.915,"end":1727.415,"sentiment":"neutral","sentiment_score":-0.027498893439769745},{"text":"It's just because, currently, my childcare subsidy yeah.","start":1727.555,"end":1731.655,"sentiment":"neutral","sentiment_score":-0.21892280597239733},{"text":"Wouldn't be able to take that much money out.","start":1731.795,"end":1734.6951,"sentiment":"negative","sentiment_score":-0.3512324392795563},{"text":"Yeah.","start":1735.395,"end":1735.895,"sentiment":"neutral","sentiment_score":-0.05154135078191757}],"sentiment":"neutral","sentiment_score":-0.2490224770270288,"num_words":20,"start":1726.13,"end":1735.895},{"sentences":[{"text":"Centrelink subsidy hasn't come approved yet, so I've been paying $800 per week for childcare.","start":1737.395,"end":1744.71,"sentiment":"neutral","sentiment_score":-0.07898595320681731},{"text":"Yeah.","start":1748.49,"end":1748.99,"sentiment":"neutral","sentiment_score":0.006543349474668503},{"text":"Yeah.","start":1752.77,"end":1753.09,"sentiment":"neutral","sentiment_score":0.03826892375946045},{"text":"Yeah.","start":1753.09,"end":1753.25,"sentiment":"neutral","sentiment_score":0.05820799991488457},{"text":"Hopefully, soon.","start":1753.25,"end":1754.3099,"sentiment":"neutral","sentiment_score":0.14736686646938324}],"sentiment":"neutral","sentiment_score":-0.03935176460072398,"num_words":20,"start":1737.395,"end":1754.3099},{"sentences":[{"text":"It's been over almost three and a half weeks four weeks now.","start":1755.865,"end":1759.8049,"sentiment":"neutral","sentiment_score":0.05026186381777128},{"text":"Yeah.","start":1770.1849,"end":1770.6849,"sentiment":"neutral","sentiment_score":-0.23207761347293857},{"text":"Yeah.","start":1773.33,"end":1773.83,"sentiment":"neutral","sentiment_score":-0.09651919454336166},{"text":"And, yeah, this this the thing is I don't know if I'm gonna get my money back because, she's going to childcare four days a week now.","start":1773.8899,"end":1783.75,"sentiment":"neutral","sentiment_score":-0.18244688709576926},{"text":"And then and then the center link thingy, I don't know why they go through.","start":1784.005,"end":1789.385,"sentiment":"neutral","sentiment_score":-0.10329925169547399}],"sentiment":"neutral","sentiment_score":-0.11073230659323079,"num_words":56,"start":1755.865,"end":1789.385},{"sentences":[{"text":"It'll need time for it to be assessed and payment balancing and waiting confirmation information or whatever.","start":1789.765,"end":1797.385,"sentiment":"neutral","sentiment_score":-0.09338751917376238},{"text":"So yeah.","start":1798.35,"end":1799.33,"sentiment":"neutral","sentiment_score":-0.07754578068852425},{"text":"A bit yeah.","start":1799.87,"end":1802.69,"sentiment":"neutral","sentiment_score":-0.19340943296750387},{"text":"A bit all over the place.","start":1803.39,"end":1804.69,"sentiment":"neutral","sentiment_score":-0.2937156955401103},{"text":"No.","start":1813.995,"end":1814.495,"sentiment":"neutral","sentiment_score":-0.0960078313946724}],"sentiment":"neutral","sentiment_score":-0.1441796445127191,"num_words":29,"start":1789.765,"end":1814.495},{"sentences":[{"text":"I'm good now.","start":1815.355,"end":1816.415,"sentiment":"neutral","sentiment_score":-0.008321380863587061},{"text":"Yeah.","start":1828.66,"end":1828.9,"sentiment":"neutral","sentiment_score":-0.06568652391433716},{"text":"I'm not sure yet.","start":1828.9,"end":1835.16,"sentiment":"neutral","sentiment_score":-0.05679591465741396},{"text":"Okay.","start":1843.06,"end":1843.54,"sentiment":"neutral","sentiment_score":0.1564566195011139},{"text":"Sure.","start":1843.54,"end":1844.04,"sentiment":"neutral","sentiment_score":0.289845734834671}],"sentiment":"neutral","sentiment_score":0.012846802920103073,"num_words":10,"start":1815.355,"end":1844.04},{"sentences":[{"text":"Yes.","start":1864.0399,"end":1864.5399,"sentiment":"neutral","sentiment_score":0.16564491391181946},{"text":"If you could send me an email in regards to the HESTA, that would be great because I know what I'm gonna tell them about That'd be awesome as well.","start":1864.9199,"end":1877.235,"sentiment":"neutral","sentiment_score":0.26129969358444216},{"text":"Okay.","start":1878.1749,"end":1878.495,"sentiment":"positive","sentiment_score":0.36370864510536194},{"text":"Great.","start":1878.495,"end":1878.895,"sentiment":"positive","sentiment_score":0.768085241317749},{"text":"Thank you for okay.","start":1878.895,"end":1887.135,"sentiment":"positive","sentiment_score":0.7251785844564438}],"sentiment":"neutral","sentiment_score":0.32532821474848567,"num_words":37,"start":1864.0399,"end":1887.135},{"sentences":[{"text":"Thank you.","start":1887.135,"end":1887.955,"sentiment":"positive","sentiment_score":0.7386719286441803},{"text":"Bye.","start":1890.1969,"end":1890.6969,"sentiment":"neutral","sentiment_score":-0.11055173724889757}],"sentiment":"positive","sentiment_score":0.4555973733464877,"num_words":3,"start":1887.135,"end":1890.6969}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good\n\nChannel 1: Good\n\nChannel 0: morning,\n\nChannel 1: morning.\n\nChannel 0: Sandra. It's Tommy here, senior adviser. How are you doing?\n\nChannel 1: Hi. Good. Thank you. Yes. Did did you just call me?\n\nIt just didn't ring on my phone, sir.\n\nChannel 0: Yeah. No. That's okay. I did try to call you and and just left a message. I was actually just sending you a text message, so thank you so much for calling back.\n\nChannel 1: That's okay.\n\nChannel 0: Now, Sandra, I've got you booked in for a little bit of a chat because you did an annual review with my colleague, Connor, and there was a few areas we were looking at for some updated advice strategies with the super and the insurances. Does that ring a bell?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So I just thought I'd jump into that with you today. I've had a bit of a review of his notes in your accounts and just had a few ideas to run by you.\n\nChannel 1: Uh-huh.\n\nChannel 0: Perfect. Now first thing to kind of tackle, nice and easy, is just in terms of the superannuation. We were looking at doing a portfolio review just because there was that one investment option that he flagged with you as a bit of a concern, the Benelon option.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So we're looking at a a bit of an update there.\n\nChannel 1: Mhmm.\n\nChannel 0: Now Yep.\n\nChannel 1: Yeah. I'm happy to just sell it and not propagate it and then, yeah, just cut the losses, I guess.\n\nChannel 0: Yeah. So I can do a bit of a trick with that one. So if that one's gone down a bit, I can use that the the losses of it going down to offset some of the gains that you've gotten to kind of update your portfolio, and that'll kind of minimize the taxes the super pays\n\nChannel 1: Yeah.\n\nChannel 0: inside it as well.\n\nChannel 1: Yep.\n\nChannel 0: Now just to kind of guide it a little bit with, Hub twenty four, your super fund, it does have the most investment options in the industry. It's got about 1,300. Now I will make a recommendation for you with what to put in there, but I just wanted to quickly ask you your preferences. And there's no real wrong answer to this question. But if you had to choose between lower fee investments or paying a higher fee to try and get a higher return, which way does your gut feeling lean you towards?\n\nChannel 1: I guess it depends on the percentage, really. I think medium, probably, somewhere in the middle if it's if it's high return. And if the cost is acceptable, I guess, it's okay. I think it if it's like I don't know, actually.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I think higher return is actually better if if if the cost yeah. If it's affordable. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Did\n\nChannel 0: So\n\nChannel 1: you guys\n\nChannel 0: what you're saying basically is the net return after all the fees, as long as that's good, that's the most important thing\n\nChannel 1: agree?\n\nChannel 0: to\n\nChannel 1: Yes.\n\nChannel 0: you.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So I do have some options in mind that I'll kind of compare and update for you. And then what I'll do is I'll update some projections, put it in your updated statement of advice plan, and then I can kind of show you what I'm thinking, make sure you're comfortable before I move anything around.\n\nChannel 1: Mhmm.\n\nChannel 0: That sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now just in terms of the risk level, we've got you as a growth risk profile, which is kind of like a four out of five. Not maximum risk. You're just trying to get mostly growth, but\n\nChannel 1: Mhmm.\n\nChannel 0: nothing too high risk. But you're also not wanting to go too slow with it and kind of miss out on the growth. So you're sitting at 80% in growth assets like shares, property, and gold. Does that still sound okay for you?\n\nChannel 1: Yeah. What's the next level up, sir?\n\nChannel 0: So the next level up is a high growth, and that's where we bump it up about 10% from 80 to 90. And we still keep a small portion in the safe side of things, get as much growth as we can. And then when you're closer to retirement in those last seven to ten years, we can reduce it back down and and make it safer. You know, you don't wanna be 64 and lose half your super a year before you go to live on it, if that makes sense.\n\nChannel 1: Yeah. No. I think it is just fine.\n\nChannel 0: Perfect. So I'll keep it as a growth risk level. I'll just switch the options around and not increase or decrease your growth assets. Perfect. Now outside of that, just having a quick look at the insurance side of things because you have had your second child, and I have noted a few things that it kind of stand out to me with regard to your insurances.\n\nNow you have this ClearView policy where you've got life insurance, total disability, and income protection. So\n\nChannel 1: Yeah.\n\nChannel 0: if you pass away, if you can never work again, that's your lump sum covers where you've got 1,100,000 and 700,000. And if you're out of work for two months, then you get that temporary income protection kicks in with a\n\nChannel 1: Yep.\n\nChannel 0: monthly amount for up to five years if that rings a bell.\n\nChannel 1: Mhmm.\n\nChannel 0: Now what I can sort of see here is there's a couple of ways to do it. So based on your fact finding your assets, I've got your home here where there's no debt on the home, but you do\n\nChannel 1: Mhmm.\n\nChannel 0: have some debts on the two investment properties.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when you have that situation, let's say you're in a car accident, you can't go back to work ever again, Would you live off of the rents of the investment properties? Would you sell them to pay off that debt, or would you wanna actually be insured for that?\n\nChannel 1: We'll probably want to insure for that because it's not paid off yet. So, technically, I won't be able to live off them.\n\nChannel 0: Yeah.\n\nChannel 1: So at the moment, probably insured for them for now just because if anything does happen, there's still money to pay them off. And then if I pay my investment off, then the money can be lift off. You can lift off the investment money then.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So what that means perfectly for you is we had your debts combined at about 783,000, and you've got 774,000 worth of TPD cover. It covers it almost exactly.\n\nChannel 1: Mhmm.\n\nChannel 0: So at that amount, I think that one should be okay to at least clear the debts off. And then in the life event, so if you were to pass away, there's another 350,000 that would come out on top of paying out those debts as well to your family.\n\nChannel 1: Okay.\n\nChannel 0: So does that sound okay for you?\n\nChannel 1: Yeah. Yeah. Because my current debt is yeah. I'll just have a quick look.\n\nChannel 0: Go for\n\nChannel 1: 760. Yeah. That's fine.\n\nChannel 0: k. So the only one that's a concern for me is the the income protection looks a little bit low. So you're basically insured for under $1,000 a week is what you would get after tax if you're out of work for two months. It's protecting an income of 67,000, but I've got your income here noted as 90,000.\n\nChannel 1: Yeah.\n\nChannel 0: So what I'm saying here is that your cover amount of 3,900 a month really should be close at about 5,250 to to cover that maximum 70% of your income for your expenses.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I'll be looking at there is just a slight increase quote just to see what it would look like to top it up. The total premiums don't look too bad. So if you're comfortable, I would like to do a bit of a a quote to see what it looks like, make sure it's affordable, make sure it's not gonna take too much fees out of the super. Does that sound okay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Okay. And just with the waiting period, so you've got a sixty day waiting period. That's how long you have to be injured or ill before the cover will kick in. Do you have enough kind of savings and leave to get you by for a month or two until that kicks\n\nChannel 1: Yeah. It should be okay.\n\nChannel 0: in. Yep. And the benefit period is five years. So what it basically means is it covers everything short and medium term. Anything more than five years, you would basically be classed as totally disabled, and your lump sum 700,000 would kick in after that.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Does that sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now what it basically looks like is the premiums are under 2,000 coming out of the super. When we increase it, I believe that'll jump up a little bit, but then you get a 15% tax rebate, which drops it back down again. And that should keep it pretty similar.\n\nChannel 1: Mhmm.\n\nChannel 0: You've also got your contributions and, I believe, salary sacrifice possibly as well. So I just put a flag on it. If it's above 30% of your contributions, I put a flag there just to let you know it might be getting a bit expensive. But if it does hit that point down the line as you get older, we can always trim it down again as well.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Just in terms of the the contributions themselves, so I've got a bit of research happening with Mercy, which merged with HESTA, and they sent us through the sort of half the information that we asked for previously. So Michelle has just been on to them again to get the extra information that we need.\n\nChannel 1: Mhmm.\n\nChannel 0: But I was wanting to just double check with you your salary sacrifice. Would you like all of that to be going to the one fund, and we can just close that down again? What would be your preference?\n\nChannel 1: The Hestafam. I it's just I'm not really sure. Can I have two Superfunds? Just because\n\nChannel 0: A yeah. You can have two.\n\nChannel 1: yeah. Just because I'm I'm still working with the mother. I think that's just more convenient for mother to I think mother only goes into a restaurant.\n\nChannel 0: Well, the strange thing that I saw was I was looking at your contribution transactions, and they're actually putting you don't have two sources of income, do you? It's just the one employer?\n\nChannel 1: I do have two, maybe three soon. Yeah. Source of income.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. What was the other one you say?\n\nChannel 0: I can see summer home care.\n\nChannel 1: Yes. Summer Home Care is my second one. Yeah. It's I just started it recently. So\n\nChannel 0: Gotcha.\n\nChannel 1: that\n\nChannel 0: Now if it's easier for you, they did change the laws couple of years ago, and your their your payroll is actually allowed to pay their contributions anywhere that you choose unless there's a specific EBA, like an employment bargaining agreement that restricts you. I know some factories have that, but not so much in your space. So I\n\nChannel 1: Oh.\n\nChannel 0: believe if we did send a form through to your employer, they could actually switch it across pretty easily.\n\nChannel 1: Because I think I think they do last time they do a a no wrong over or some sort. And then yeah. No. Because I might have EBA agreements as well. I'm not sure whether it's with Super or not with HESTA.\n\nChannel 0: Gotcha.\n\nChannel 1: Yeah. Because\n\nChannel 0: Okay.\n\nChannel 1: we do have a yearly update of EBAs for\n\nChannel 0: Awesome.\n\nChannel 1: our salary increment and working spaces. So, yeah, we do have EBA agreements in place, but we're not sure I'm not sure whether it's affecting the superfund or not.\n\nChannel 0: Okay. Well, while I get the research for that fund, that'll come through in a few days' time. Would you be okay to just ask your payroll if you can change them or if it's restricted and let me know?\n\nChannel 1: Yeah. Sure. Because I remember last time asking them\n\nChannel 0: Yeah.\n\nChannel 1: before. That's why they were saying that it's mother only pays into Hester. I think this is internally linked of some sort. But yeah.\n\nChannel 0: And I wouldn't wanna ask you to do this every year kinda thing, but I would've I would love it if you could just quickly ask them because they do update the EVAs, and most of them that I've been seeing, they've been removing that restriction over the years depending on departments. So if we\n\nChannel 1: Yeah.\n\nChannel 0: could just do that one last check, I'll keep that on file so we don't have to ask you again. And\n\nChannel 1: Yes.\n\nChannel 0: even if you can just flick us back a little email or or a quick call in while I'm doing the research and comparisons and quotes, I would love that just to have that on file.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If that is the case, we'll just do the usual rollover. That's fine. And if it isn't restricted, we can get it all consolidated so you're not paying fees for two accounts.\n\nChannel 1: No.\n\nChannel 0: Sound good?\n\nChannel 1: No.\n\nChannel 0: Beautiful. So at this point, I'll get the portfolio updated. We'll do some research on the HESTA and figure out how much we're moving around. We'll do a quote for the income protection just to get that correct. And just with the salary sacrifice, do you know how much you've got set with them?\n\nWas it a percentage base of your income, or was it like a set amount?\n\nChannel 1: What's the set amount?\n\nChannel 0: Okay. Do you mind do you know how much that is off the top of your head?\n\nChannel 1: Like, 15,000.\n\nChannel 0: Because I know the salary packaging has a $15,000 limit for things like mortgages and health care\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and things like that. Are you doing salary packaging with them as well? Cool. Okay. That makes sense.\n\nSalary packaging, that makes sense because the 15 thousand's on there with the health care industry limits. That's good. Do you know if on your payslip that they're doing a salary sacrifice to super of, you know, $50 or 5% or something\n\nChannel 1: Yeah.\n\nChannel 0: like that?\n\nChannel 1: No. So it's 15\n\nChannel 0: Cool.\n\nChannel 1: 15899.94.\n\nChannel 0: 89994. Alright. And I don't mean to ask too much of you, and I do apologize, but would you be able to send a payslip through to me?\n\nChannel 1: A pay slip.\n\nChannel 0: Yeah. Just so I can break down the contributions for the the projections. I\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: do\n\nChannel 0: when we get the research, I can work it back, but it'd be nice to have that.\n\nChannel 1: I do have a no rate at least as well.\n\nChannel 0: Oh, yes.\n\nChannel 1: Yes. And just gonna have to find online. What's the date today?\n\nChannel 0: It's the September 1, actually.\n\nChannel 1: Okay. 05/08. Let's see.\n\nChannel 0: And, so, Sandra, are you working did you say the Mater Hospital in Brisbane there?\n\nChannel 1: Yes. What's\n\nChannel 0: Oh,\n\nChannel 1: your\n\nChannel 0: fantastic. Email address, you could just do the main one, and that'll come through to your client profile. So it's info, I n f\n\nChannel 1: Yep.\n\nChannel 0: o,@Oakview,oakview,\n\nChannel 1: Mhmm.\n\nChannel 0: Financial, f I n a n c I a l, dot com dot a u.\n\nChannel 1: Mhmm. Okay. Okay.\n\nChannel 0: K. So if you're okay to ask the the payroll about the EBA restrictions, as soon as we get the research back from Hester, I'm gonna send you an email just letting you know that we've got it and get you booked in for the updated plan. And if you could just reply to that, what they've said about the contributions, if it's still restricted, that would be amazing. Just a quick still restricted or not.\n\nChannel 1: Okay. Sure.\n\nChannel 0: You're amazing. Alrighty. The other thing too, quite a few little things. So super will fix up. The insurances will fix up.\n\nThat's great. I've got that under control. There was a bit of a message that you might want to look at some investing for the children. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: So with the child investments, there's these things called child investment bonds where you can you can invest for the children and and grow an amount so that when they turn, like, 18, you can basically hand them, like, a tax free amount, and that can go towards education, home deposit, that kind of thing. Is that kind\n\nChannel 1: Mhmm.\n\nChannel 0: of what you're leaning towards?\n\nChannel 1: Yes.\n\nChannel 0: Cool. Now usually with those, it depends on how much you wanna invest either as a lump sum or a regular amount. Sometimes we start with, like, a a low amount and put some contributions into that regularly. Do you have\n\nChannel 1: Yep.\n\nChannel 0: any kind of figures in mind about, you know, how much savings you've got to put into something like this?\n\nChannel 1: Maybe maybe 50 a week or something or a 100. A 100, that would be, like, 52. 5,200 per year. That's on top of just school fee stuff.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: And are you thinking\n\nChannel 1: maybe\n\nChannel 0: per child or half\n\nChannel 1: per\n\nChannel 0: each?\n\nChannel 1: child. Mhmm. Maybe per child, but yeah. I guess it depends on, yeah, how much, or what the current situation is. If it's gonna be be be full tax, then they can do a 100 per child.\n\nWhereas after tax, it's probably 50.\n\nChannel 0: Yep. Okay. So I reckon working off 50 is a good starting point. And what I can do with the children, you've just had\n\nChannel 1: Mhmm.\n\nChannel 0: you've just come off maternity leave. How old will your eldest be?\n\nChannel 1: About four.\n\nChannel 0: Four.\n\nChannel 1: A little\n\nChannel 0: Perfect.\n\nChannel 1: bit. Yeah.\n\nChannel 0: Because what you wanna do when you do this type of bond is you wanna hold it for at least ten years for them. Because if you\n\nChannel 1: Yes.\n\nChannel 0: if you sell it in less than ten years, then there's some taxes that come out. So once it's past the ten year mark, you're pretty good in terms of being able to transfer it to them. So, like, fourteen years is amazing.\n\nChannel 1: Yes.\n\nChannel 0: And then we've got the other child there. So what I would like to do last quick question is how much do you actually have in savings at the moment? Do you have a pool of, like, an emergency fund that you've got built up already, or are you still building one up?\n\nChannel 1: Kinda still building one up. I just because I've refinanced, and there's a a lump of money that I do have saved up for school fees next\n\nChannel 0: Yeah.\n\nChannel 1: year.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. So that's kinda untouchable.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: So we don't normally start them with less than, say, 2 to 5,000 per account. So what I was thinking is if you're comfortable, let's just do a bit of savings for six to twelve months, get that emergency fund built up because we don't wanna lock it away in case something happens and something goes wrong and you need some funds. And then once you've built up that savings for six to twelve months, maybe we can look at starting a couple of those accounts next year, maybe like a 2,000 minimum and $50 a week, and we can kind of start that going then. Does that sound a bit better for you?\n\nChannel 1: Yeah. Yes. Do you know how how much the the save like, the what's the return rate? Like, how many percent per year?\n\nChannel 0: Yeah. So with the returns, the bonds act similar to hub 24 that we can build you investments in a portfolio when choose the risk level. So if you wanted to go for fourteen years, for example, we could do, like, a growth or a high growth similar to your super and try and get those nine, ten, 11% growth returns.\n\nChannel 1: Okay. Nine, ten, 11. Yep. Cool. Yep.\n\nChannel 0: I just don't wanna deplete your savings right now for that. If, you know, step one is always making sure you've got an emergency fund first, and then once you've got enough set aside, we can set up a couple of those accounts.\n\nChannel 1: Okay.\n\nChannel 0: And I would go through that risk discussion with you and kind of show you what we build because inside those bonds, it's got similar investments available, not as many. So we would do something similar to what you've got inside your super.\n\nChannel 1: Mhmm. So so do you so I so I have to do the savings by myself. Is it is it is it possible to take it out of super, Or is it like a super contribution? Can I just do an additional, like, $200 into super and super can get the money from there to save up for their bond?\n\nChannel 0: No. Once you put it in the super, they lock it away until you're 60, so we wouldn't be able to put it into a child investment bond. You'd\n\nChannel 1: Okay.\n\nChannel 0: have to pull it up into a savings account first.\n\nChannel 1: Okay. So, like, a saving account of my my bank account. Is that so I'm just\n\nChannel 0: Yeah.\n\nChannel 1: trying\n\nChannel 0: Pretty much. Whether it's your own main savings account or a separate account, it doesn't have to be in their name to start with. And what I'm thinking is if you do $50 a week, that's 2,600 straight away. And if we can do that for twelve months, you pretty much have enough there to open up one of those accounts.\n\nChannel 1: Okay. So\n\nChannel 0: So I wanted to set you a bit of a a savings goal. If you can put aside $50\n\nChannel 1: minimum\n\nChannel 0: a week for each of them and build up that kind of 5,200, then in twelve months' time, I can use that as a starting point, build you a plan, build you a portfolio, and we can open those accounts and get it going a bit faster.\n\nChannel 1: Okay.\n\nChannel 0: That sound okay for you, Sandra?\n\nChannel 1: Yeah. Yeah. Yeah. Sounds okay.\n\nChannel 0: Amazing. I'll just add it as a goal for now, and that's something that I can check with you at the next review, whether it's myself or Connor. But, look, that'll be amazing. Like, I've I'll give you a bit of an idea here just for future reference. So, usually, the the sort of setup fee is about 350.\n\nSo let's say you've got 2,600 there per child,\n\nChannel 1: Mhmm.\n\nChannel 0: and you put in 2,250 with $50 a week. I'm just doing a quick projection for you, and we'll go fourteen years at that sort of 10% return. You would've put in $36,000, but it would be worth around 85,000 to pass over to your eldest child when they turn 18.\n\nChannel 1: Mhmm. And what what are the chances if I want to do them both actually into one account? And then so it saves me 350 of management fees in it to set up the fee.\n\nChannel 0: Oh, yeah. That's a good idea. Unfortunately, the account has to be linked to the beneficiary that gets it at the end of the day, so you couldn't do the the one account. Otherwise, it would just go to the one one person.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: But we don't we don't charge any, like, advice fees to look after those. So what we do is we just set it up. You put your $50 in, and then we can review it as part of your super review. If we need to update the investments, we can do that basically for free for you. And if you wanna increase or decrease your contributions, you can do that as well.\n\nChannel 1: Okay. So 36,000, and I'll get 85,000. Okay. Yeah.\n\nChannel 0: Yep. That's just a bit of a conservative estimate. And then your other chart, if you go a couple extra years, you know, it'll be closer to that $100,000 mark.\n\nChannel 1: Mhmm. Yep. Cool. And then so that's about yeah. Cool.\n\nThat's good to know. And\n\nChannel 0: And we'll, again, just save for for twelve months and and get that built up, and then we'll have another discussion. I'll run through in a bit more detail with you. I'll build you an updated plan so you can see it in writing first. And then if you're comfortable with that, we can go ahead and set them up.\n\nChannel 1: Yeah. Because I'm just thinking if I wanted to wait another year. I do maybe have 2,000 spare to start up one account first. I think my daughter can wait another year\n\nChannel 0: Yeah.\n\nChannel 1: If I could start my son one first. Because I'll be what's the beginning of the year? Month. Yeah. So do I just transfer the fund to someone?\n\nOr\n\nChannel 0: So what'll happen is when we do any type of advice, we put together the the statement of advice document to show you what we think you should do. Once you sign off on that, we would do an application. Like, when you opened up your super account, we would actually do an application to open that account, and then we can work on actually depositing the funds.\n\nChannel 1: Okay. Yep. Okay. That'll be great. It's it's okay.\n\nMaybe we'll start it next year then.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Easy done. So at the moment, portfolio fix up for the hub 24. We will look at the quote for the income protection, and then I will just work with you to see if we can either fully close down HESTA and move the contributions or just keep it going if there's an EBA. And your salary sacrifice, you're just okay to keep that going at the current rate.\n\nChannel 1: Yes. Yeah. The lower sacrifice at the current rate. Yes.\n\nChannel 0: Perfect. Yep. And then for the children, I've just added there a goal to set aside $50 a week to save for their their sort of future education and home deposit and so on. And then in twelve months' time, we'll look at maybe setting up some investments for\n\nChannel 1: Yeah. Yeah. It's just because, currently, my childcare subsidy yeah. Wouldn't be able to take that much money out.\n\nChannel 0: them.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Gotcha.\n\nChannel 1: Centrelink subsidy hasn't come approved yet, so I've been paying $800 per week for childcare.\n\nChannel 0: Oh, that's fun. That's oh,\n\nChannel 1: Yeah.\n\nChannel 0: they do charge a lot, don't they? And then I'm assuming you'll get a bit of a refund as well.\n\nChannel 1: Yeah. Yeah. Hopefully, soon. It's been over almost three and a half weeks four weeks now.\n\nChannel 0: Yep. Oh, no, Sandra. I've just had my third child and look. When I got my I think I got a $3,000 refund from updating the income around tax time, and I was just like, wow. We were\n\nChannel 1: Yeah.\n\nChannel 0: overpaying that much, and it can be quite a lot.\n\nChannel 1: Yeah. And, yeah, this this the thing is I don't know if I'm gonna get my money back because, she's going to childcare four days a week now. And then\n\nChannel 0: Yep.\n\nChannel 1: and then the center link thingy, I don't know why they go through. It'll need time for it to be assessed and payment balancing and waiting confirmation information or whatever. So yeah. A bit\n\nChannel 0: No fun.\n\nChannel 1: yeah. A bit all over the place.\n\nChannel 0: Fair enough. Alright, Sandra. Was there anything else that I can help you with in this round of strategy updates?\n\nChannel 1: No. I'm good now.\n\nChannel 0: Oh, actually, there was one last thing. I do apologize. The beneficiary nominations for your super and your life insurance, I just wanted to double check who you wanted that to all go\n\nChannel 1: Yeah. I'm not sure\n\nChannel 0: to. Okay. I'll send you out some blank forms. And if you\n\nChannel 1: yet.\n\nChannel 0: have some ideas on who you'd like or any questions, when you get the forms, please just call in. I'll walk you through it in two minutes flat.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Perfect. Alrighty. So I'll put this together. It will take me a couple of weeks just to get all of the research from Hester, the insurer, and the comparisons for the portfolio, and then I'll get Michelle to give you a call, book you in with me, and I'll run through the updated plan, get your permission first.\n\nChannel 1: Yes. If you could send me an email in regards to the HESTA, that would be great because I know what I'm gonna tell them about That'd be awesome as\n\nChannel 0: Yeah. Yep. I'll do that\n\nChannel 1: well. Okay. Great. Thank you for\n\nChannel 0: straight away. Amazing, Sandra. Thank you so much for your time today, and I will talk to you again soon.\n\nChannel 1: okay. Thank you.\n\nChannel 0: Amazing. Have a great day. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good","start":2.56,"end":2.8799999,"sentiment":"positive","sentiment_score":0.3940723240375519}],"sentiment":"positive","sentiment_score":0.3940723240375519,"channel":0,"num_words":1,"start":2.56,"end":2.8799999},{"sentences":[{"text":"Good","start":2.72,"end":3.04,"sentiment":"positive","sentiment_score":0.4998751282691955}],"sentiment":"positive","sentiment_score":0.4998751282691955,"channel":1,"num_words":1,"start":2.72,"end":3.04},{"sentences":[{"text":"morning,","start":2.8799999,"end":3.36,"sentiment":"positive","sentiment_score":0.451742947101593}],"sentiment":"positive","sentiment_score":0.451742947101593,"channel":0,"num_words":1,"start":2.8799999,"end":3.36},{"sentences":[{"text":"morning.","start":3.04,"end":3.54,"sentiment":"positive","sentiment_score":0.43572184443473816}],"sentiment":"positive","sentiment_score":0.43572184443473816,"channel":1,"num_words":1,"start":3.04,"end":3.54},{"sentences":[{"text":"Sandra.","start":3.36,"end":3.84,"sentiment":"positive","sentiment_score":0.37684309482574463},{"text":"It's Tommy here, senior adviser.","start":3.84,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2721050202846527},{"text":"How are you doing?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2631950229406357}],"sentiment":"neutral","sentiment_score":0.2790148288011551,"channel":0,"num_words":10,"start":3.36,"end":6.18},{"sentences":[{"text":"Hi.","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.29857978224754333},{"text":"Good.","start":6.72,"end":7.04,"sentiment":"positive","sentiment_score":0.5635340213775635},{"text":"Thank you.","start":7.04,"end":7.7799997,"sentiment":"positive","sentiment_score":0.5681117475032806},{"text":"Yes.","start":8.559999,"end":9.059999,"sentiment":"neutral","sentiment_score":0.15591976046562195},{"text":"Did did you just call me?","start":9.12,"end":10.719999,"sentiment":"neutral","sentiment_score":0.030902912219365437}],"sentiment":"neutral","sentiment_score":0.21269768476486206,"channel":1,"num_words":11,"start":6.3999996,"end":10.719999},{"sentences":[{"text":"It just didn't ring on my phone, sir.","start":10.719999,"end":12.98,"sentiment":"neutral","sentiment_score":-0.15278078615665436}],"sentiment":"neutral","sentiment_score":-0.15278078615665436,"channel":1,"num_words":8,"start":10.719999,"end":12.98},{"sentences":[{"text":"Yeah.","start":13.655,"end":13.815,"sentiment":"neutral","sentiment_score":-0.02464890666306019},{"text":"No.","start":13.815,"end":13.974999,"sentiment":"neutral","sentiment_score":-0.05853088200092316},{"text":"That's okay.","start":13.974999,"end":14.535,"sentiment":"neutral","sentiment_score":0.04394390620291233},{"text":"I did try to call you and and just left a message.","start":14.535,"end":16.855,"sentiment":"neutral","sentiment_score":0.08979094897707303},{"text":"I was actually just sending you a text message, so thank you so much for calling back.","start":16.855,"end":20.395,"sentiment":"positive","sentiment_score":0.3761279994950575}],"sentiment":"neutral","sentiment_score":0.2265568303903847,"channel":0,"num_words":33,"start":13.655,"end":20.395},{"sentences":[{"text":"That's okay.","start":20.585,"end":21.404999,"sentiment":"neutral","sentiment_score":0.27906572818756104}],"sentiment":"neutral","sentiment_score":0.27906572818756104,"channel":1,"num_words":2,"start":20.585,"end":21.404999},{"sentences":[{"text":"Now, Sandra, I've got you booked in for a little bit of a chat because you did an annual review with my colleague, Connor, and there was a few areas we were looking at for some updated advice strategies with the super and the insurances.","start":22.215,"end":34.39,"sentiment":"neutral","sentiment_score":0.18485540333721373},{"text":"Does that ring a bell?","start":34.449997,"end":35.59,"sentiment":"neutral","sentiment_score":0.08020992428064347}],"sentiment":"neutral","sentiment_score":0.1743908554315567,"channel":0,"num_words":50,"start":22.215,"end":35.59},{"sentences":[{"text":"Yeah.","start":35.79,"end":36.29,"sentiment":"neutral","sentiment_score":0.20723196864128113}],"sentiment":"neutral","sentiment_score":0.20723196864128113,"channel":1,"num_words":1,"start":35.79,"end":36.29},{"sentences":[{"text":"Perfect.","start":36.85,"end":37.25,"sentiment":"positive","sentiment_score":0.4660091102123261},{"text":"So I just thought I'd jump into that with you today.","start":37.25,"end":39.57,"sentiment":"positive","sentiment_score":0.3418137918819081},{"text":"I've had a bit of a review of his notes in your accounts and just had a few ideas to run by you.","start":39.57,"end":45.375,"sentiment":"neutral","sentiment_score":0.23701217576213504}],"sentiment":"neutral","sentiment_score":0.27649259609835486,"channel":0,"num_words":35,"start":36.85,"end":45.375},{"sentences":[{"text":"Uh-huh.","start":46.155,"end":46.655,"sentiment":"neutral","sentiment_score":0.10097318887710573}],"sentiment":"neutral","sentiment_score":0.10097318887710573,"channel":1,"num_words":1,"start":46.155,"end":46.655},{"sentences":[{"text":"Perfect.","start":47.355,"end":47.835,"sentiment":"neutral","sentiment_score":0.32819610834121704},{"text":"Now first thing to kind of tackle, nice and easy, is just in terms of the superannuation.","start":47.835,"end":52.175,"sentiment":"neutral","sentiment_score":0.14320767276427326},{"text":"We were looking at doing a portfolio review just because there was that one investment option that he flagged with you as a bit of a concern, the Benelon option.","start":53.435,"end":62.89,"sentiment":"neutral","sentiment_score":0.02007909184321761}],"sentiment":"neutral","sentiment_score":0.07010623542979981,"channel":0,"num_words":48,"start":47.355,"end":62.89},{"sentences":[{"text":"Mhmm.","start":62.48,"end":62.98,"sentiment":"neutral","sentiment_score":0.021809112280607224},{"text":"Yep.","start":63.280003,"end":63.780003,"sentiment":"neutral","sentiment_score":0.02704615145921707}],"sentiment":"neutral","sentiment_score":0.024427631869912148,"channel":1,"num_words":2,"start":62.48,"end":63.780003},{"sentences":[{"text":"So we're looking at a a bit of an update there.","start":63.35,"end":66.01,"sentiment":"neutral","sentiment_score":0.028464366258545357}],"sentiment":"neutral","sentiment_score":0.028464366258545357,"channel":0,"num_words":11,"start":63.35,"end":66.01},{"sentences":[{"text":"Mhmm.","start":66.64,"end":67.14,"sentiment":"neutral","sentiment_score":0.04223203659057617}],"sentiment":"neutral","sentiment_score":0.04223203659057617,"channel":1,"num_words":1,"start":66.64,"end":67.14},{"sentences":[{"text":"Now Yep.","start":67.76501,"end":70.595,"sentiment":"neutral","sentiment_score":0.05435847491025925}],"sentiment":"neutral","sentiment_score":0.05435847491025925,"channel":0,"num_words":2,"start":67.76501,"end":70.595},{"sentences":[{"text":"Yeah.","start":70.32,"end":70.82,"sentiment":"neutral","sentiment_score":0.1028970032930374},{"text":"I'm happy to just sell it and not propagate it and then, yeah, just cut the losses, I guess.","start":70.880005,"end":80.155,"sentiment":"neutral","sentiment_score":0.1539590307756474}],"sentiment":"neutral","sentiment_score":0.15140592940151693,"channel":1,"num_words":20,"start":70.32,"end":80.155},{"sentences":[{"text":"Yeah.","start":80.950005,"end":81.19,"sentiment":"neutral","sentiment_score":0.10050170868635178},{"text":"So I can do a bit of a trick with that one.","start":81.19,"end":83.43,"sentiment":"neutral","sentiment_score":0.14964259105424085},{"text":"So if that one's gone down a bit, I can use that the the losses of it going down to offset some of the gains that you've gotten to kind of update your portfolio, and that'll kind of minimize the taxes the super 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actually.","start":154.12,"end":157.66,"sentiment":"neutral","sentiment_score":0.09097090903669595}],"sentiment":"neutral","sentiment_score":0.12791010857160603,"channel":1,"num_words":42,"start":137.625,"end":157.66},{"sentences":[{"text":"Yeah.","start":159.16501,"end":159.66501,"sentiment":"neutral","sentiment_score":0.1467294692993164}],"sentiment":"neutral","sentiment_score":0.1467294692993164,"channel":0,"num_words":1,"start":159.16501,"end":159.66501},{"sentences":[{"text":"Yeah.","start":160.57501,"end":160.895,"sentiment":"neutral","sentiment_score":0.22845663130283356},{"text":"I think higher return is actually better if if if the cost yeah.","start":160.895,"end":170.735,"sentiment":"positive","sentiment_score":0.39918174193455624},{"text":"If it's affordable.","start":170.735,"end":171.795,"sentiment":"positive","sentiment_score":0.41169266899426776},{"text":"So 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I do have some options in mind that I'll kind of compare and update for you.","start":181.535,"end":187.035,"sentiment":"positive","sentiment_score":0.3952583407654482},{"text":"And then what I'll do is I'll update some projections, put it in your updated statement of advice plan, and then I can kind of show you what I'm thinking, make sure you're comfortable before I move anything around.","start":187.335,"end":197.65001,"sentiment":"neutral","sentiment_score":0.25580738446651363}],"sentiment":"neutral","sentiment_score":0.3041218670836666,"channel":0,"num_words":57,"start":181.065,"end":197.65001},{"sentences":[{"text":"Mhmm.","start":198.205,"end":198.705,"sentiment":"neutral","sentiment_score":0.12169968336820602}],"sentiment":"neutral","sentiment_score":0.12169968336820602,"channel":1,"num_words":1,"start":198.205,"end":198.705},{"sentences":[{"text":"That sound 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but","start":210.585,"end":213.545,"sentiment":"neutral","sentiment_score":0.0819303710013628}],"sentiment":"neutral","sentiment_score":0.0830939938559344,"channel":0,"num_words":38,"start":201.23001,"end":213.545},{"sentences":[{"text":"Mhmm.","start":213.54,"end":213.825,"sentiment":"neutral","sentiment_score":0.06156477332115173}],"sentiment":"neutral","sentiment_score":0.06156477332115173,"channel":1,"num_words":1,"start":213.54,"end":213.825},{"sentences":[{"text":"nothing too high risk.","start":213.545,"end":214.825,"sentiment":"neutral","sentiment_score":-0.028605783358216286},{"text":"But you're also not wanting to go too slow with it and kind of miss out on the growth.","start":214.825,"end":219.30501,"sentiment":"neutral","sentiment_score":-0.007115467990699567},{"text":"So you're sitting at 80% in growth assets like shares, property, and gold.","start":219.30501,"end":224.46999,"sentiment":"neutral","sentiment_score":0.17766913313132066},{"text":"Does that still sound okay 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fine.","start":424.14502,"end":424.965,"sentiment":"neutral","sentiment_score":0.25900981575250626}],"sentiment":"neutral","sentiment_score":0.2081412561237812,"channel":1,"num_words":4,"start":420.86502,"end":424.965},{"sentences":[{"text":"k.","start":426.065,"end":426.385,"sentiment":"neutral","sentiment_score":0.05201680213212967},{"text":"So the only one that's a concern for me is the the income protection looks a little bit low.","start":426.385,"end":431.525,"sentiment":"neutral","sentiment_score":-0.2551618069410324},{"text":"So you're basically insured for under $1,000 a week is what you would get after tax if you're out of work for two months.","start":431.745,"end":441.24002,"sentiment":"neutral","sentiment_score":-0.17267566826194525},{"text":"It's protecting an income of 67,000, but I've got your income here noted as 90,000.","start":441.7,"end":447.41498,"sentiment":"neutral","sentiment_score":-0.08608724847435952}],"sentiment":"neutral","sentiment_score":-0.1734166490703316,"channel":0,"num_words":59,"start":426.065,"end":447.41498},{"sentences":[{"text":"Yeah.","start":448.385,"end":448.885,"sentiment":"neutral","sentiment_score":0.008890561759471893}],"sentiment":"neutral","sentiment_score":0.008890561759471893,"channel":1,"num_words":1,"start":448.385,"end":448.885},{"sentences":[{"text":"So what I'm saying here is that your cover amount of 3,900 a month really should be close at about 5,250 to to cover that maximum 70% of your income for your expenses.","start":449.155,"end":460.53497,"sentiment":"neutral","sentiment_score":0.0840106958692724}],"sentiment":"neutral","sentiment_score":0.0840106958692724,"channel":0,"num_words":33,"start":449.155,"end":460.53497},{"sentences":[{"text":"Mhmm.","start":462.31,"end":462.81,"sentiment":"neutral","sentiment_score":0.02107374370098114}],"sentiment":"neutral","sentiment_score":0.02107374370098114,"channel":1,"num_words":1,"start":462.31,"end":462.81},{"sentences":[{"text":"So what I'll be looking at there is just a slight increase quote just to see what it would look like to top it up.","start":463.85,"end":470.27,"sentiment":"neutral","sentiment_score":0.0654082503914833},{"text":"The total premiums don't look too bad.","start":471.44998,"end":473.47,"sentiment":"neutral","sentiment_score":0.14106896306787217},{"text":"So if you're comfortable, I would like to do a bit of a a quote to see what it looks like, make sure it's affordable, make sure it's not gonna take too much fees out of the super.","start":473.795,"end":482.835,"sentiment":"neutral","sentiment_score":0.13891307284173213},{"text":"Does that sound okay?","start":482.835,"end":483.975,"sentiment":"neutral","sentiment_score":0.12167983502149582}],"sentiment":"neutral","sentiment_score":0.11335277174775665,"channel":0,"num_words":74,"start":463.85,"end":483.975},{"sentences":[{"text":"Yep.","start":484.245,"end":484.64502,"sentiment":"neutral","sentiment_score":0.18646948039531708},{"text":"That sounds good.","start":484.64502,"end":485.76,"sentiment":"positive","sentiment_score":0.40980257590611774}],"sentiment":"positive","sentiment_score":0.3539693020284176,"channel":1,"num_words":4,"start":484.245,"end":485.76},{"sentences":[{"text":"Okay.","start":486.275,"end":486.775,"sentiment":"neutral","sentiment_score":0.10820910334587096},{"text":"And just with the waiting period, so you've got a sixty day waiting period.","start":487.05,"end":490.25,"sentiment":"neutral","sentiment_score":0.01436054560222796},{"text":"That's how long you have to be injured or ill before the cover will kick in.","start":490.25,"end":495.29,"sentiment":"neutral","sentiment_score":-0.045758522290270776},{"text":"Do you have enough kind of savings and leave to get you by for a month or two until that kicks","start":495.29,"end":499.935,"sentiment":"neutral","sentiment_score":0.03843094958435921}],"sentiment":"neutral","sentiment_score":0.007387890892389875,"channel":0,"num_words":52,"start":486.275,"end":499.935},{"sentences":[{"text":"Yeah.","start":503.405,"end":503.645,"sentiment":"neutral","sentiment_score":0.2087709605693817},{"text":"It should be okay.","start":503.645,"end":504.705,"sentiment":"neutral","sentiment_score":0.2674260176718235}],"sentiment":"neutral","sentiment_score":0.2556950062513351,"channel":1,"num_words":5,"start":503.405,"end":504.705},{"sentences":[{"text":"in.","start":505.535,"end":505.695,"sentiment":"neutral","sentiment_score":0.13540735840797424},{"text":"Yep.","start":505.695,"end":506.175,"sentiment":"neutral","sentiment_score":0.17560634016990662},{"text":"And the benefit period is five years.","start":506.175,"end":508.415,"sentiment":"neutral","sentiment_score":0.14155990949698857},{"text":"So what it basically means is it covers everything short and medium term.","start":508.415,"end":512.275,"sentiment":"neutral","sentiment_score":0.1365664994630676},{"text":"Anything more than five years, you would basically be classed as totally disabled, and your lump sum 700,000 would kick in after that.","start":512.415,"end":521.10004,"sentiment":"neutral","sentiment_score":-0.06378821672304817}],"sentiment":"neutral","sentiment_score":0.035781523854368266,"channel":0,"num_words":45,"start":505.535,"end":521.10004},{"sentences":[{"text":"Okay.","start":521.77,"end":522.27,"sentiment":"neutral","sentiment_score":0.123051218688488},{"text":"Yep.","start":522.41003,"end":522.91003,"sentiment":"neutral","sentiment_score":0.1607607901096344}],"sentiment":"neutral","sentiment_score":0.1419060043990612,"channel":1,"num_words":2,"start":521.77,"end":522.91003},{"sentences":[{"text":"Does that sound okay?","start":522.84,"end":524.14,"sentiment":"neutral","sentiment_score":0.2030906192958355}],"sentiment":"neutral","sentiment_score":0.2030906192958355,"channel":0,"num_words":4,"start":522.84,"end":524.14},{"sentences":[{"text":"Yep.","start":524.57,"end":525.07,"sentiment":"neutral","sentiment_score":0.2720530331134796}],"sentiment":"neutral","sentiment_score":0.2720530331134796,"channel":1,"num_words":1,"start":524.57,"end":525.07},{"sentences":[{"text":"Cool.","start":526.04004,"end":526.54004,"sentiment":"positive","sentiment_score":0.4640199542045593},{"text":"Now what it basically looks like is the premiums are under 2,000 coming out of the super.","start":527.345,"end":531.76495,"sentiment":"neutral","sentiment_score":0.2104143474031897},{"text":"When we increase it, I believe that'll jump up a little bit, but then you get a 15% tax rebate, which drops it back down again.","start":532.385,"end":538.98,"sentiment":"neutral","sentiment_score":0.2795615568757057},{"text":"And that should keep it pretty similar.","start":539.54,"end":542.6,"sentiment":"positive","sentiment_score":0.35638849224363056}],"sentiment":"neutral","sentiment_score":0.2706741918535793,"channel":0,"num_words":51,"start":526.04004,"end":542.6},{"sentences":[{"text":"Mhmm.","start":543.505,"end":544.005,"sentiment":"neutral","sentiment_score":0.09588845074176788}],"sentiment":"neutral","sentiment_score":0.09588845074176788,"channel":1,"num_words":1,"start":543.505,"end":544.005},{"sentences":[{"text":"You've also got your contributions and, I believe, salary sacrifice possibly as well.","start":543.54,"end":548.6,"sentiment":"neutral","sentiment_score":0.1015365461890514},{"text":"So I just put a flag on it.","start":548.66,"end":550.26,"sentiment":"neutral","sentiment_score":0.08036288991570473},{"text":"If it's above 30% of your contributions, I put a flag there just to let you know it might be getting a bit expensive.","start":550.26,"end":555.525,"sentiment":"neutral","sentiment_score":-0.03520641279950117},{"text":"But if it does hit that point down the line as you get older, we can always trim it down again as well.","start":555.985,"end":562.085,"sentiment":"neutral","sentiment_score":0.02774761600986771}],"sentiment":"neutral","sentiment_score":0.02582528648267993,"channel":0,"num_words":68,"start":543.54,"end":562.085},{"sentences":[{"text":"Yeah.","start":563.735,"end":564.235,"sentiment":"neutral","sentiment_score":0.2702460289001465}],"sentiment":"neutral","sentiment_score":0.2702460289001465,"channel":1,"num_words":1,"start":563.735,"end":564.235},{"sentences":[{"text":"Cool.","start":564.945,"end":565.44,"sentiment":"positive","sentiment_score":0.3956220746040344},{"text":"Just in terms of the the contributions themselves, so I've got a bit of research happening with Mercy, which merged with HESTA, and they sent us through the sort of half the information that we asked for previously.","start":565.76,"end":580.82,"sentiment":"neutral","sentiment_score":0.21651619261032656},{"text":"So Michelle has just been on to them again to get the extra information that we need.","start":580.88,"end":585.04504,"sentiment":"neutral","sentiment_score":0.21739861456786885}],"sentiment":"neutral","sentiment_score":0.21998239002589667,"channel":0,"num_words":56,"start":564.945,"end":585.04504},{"sentences":[{"text":"Mhmm.","start":585.015,"end":585.515,"sentiment":"neutral","sentiment_score":0.052327703684568405}],"sentiment":"neutral","sentiment_score":0.052327703684568405,"channel":1,"num_words":1,"start":585.015,"end":585.515},{"sentences":[{"text":"But I was wanting to just double check with you your salary sacrifice.","start":585.585,"end":589.525,"sentiment":"neutral","sentiment_score":0.024167041652477704},{"text":"Would you like all of that to be going to the one fund, and we can just close that down again?","start":589.585,"end":593.66504,"sentiment":"neutral","sentiment_score":0.030076378690344945},{"text":"What would be your preference?","start":593.66504,"end":594.57,"sentiment":"neutral","sentiment_score":0.019991617277264596}],"sentiment":"neutral","sentiment_score":0.026813681547840435,"channel":0,"num_words":39,"start":585.585,"end":594.57},{"sentences":[{"text":"The Hestafam.","start":596.215,"end":597.03503,"sentiment":"neutral","sentiment_score":-0.013419104041531682},{"text":"I it's just I'm not really sure.","start":598.23,"end":601.26996,"sentiment":"neutral","sentiment_score":-0.0700445297573294},{"text":"Can I have two Superfunds?","start":601.26996,"end":602.64996,"sentiment":"neutral","sentiment_score":-0.006994649022817612},{"text":"Just 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restaurant.","start":610.70996,"end":617.945,"sentiment":"neutral","sentiment_score":0.12812523521921215}],"sentiment":"neutral","sentiment_score":0.11679095747294249,"channel":1,"num_words":27,"start":607.26996,"end":617.945},{"sentences":[{"text":"Well, the strange thing that I saw was I was looking at your contribution transactions, and they're actually putting you don't have two sources of income, do you?","start":619.62994,"end":628.43,"sentiment":"neutral","sentiment_score":-0.11510687826999597},{"text":"It's just the one employer?","start":628.43,"end":629.64996,"sentiment":"neutral","sentiment_score":-0.05799331143498421}],"sentiment":"neutral","sentiment_score":-0.10645330753741843,"channel":0,"num_words":33,"start":619.62994,"end":629.64996},{"sentences":[{"text":"I do have two, maybe three 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there's a specific EBA, like an employment bargaining agreement that restricts you.","start":658.08,"end":676.2,"sentiment":"neutral","sentiment_score":0.1987030484120954},{"text":"I know some factories have that, but not so much in your space.","start":676.36,"end":679.66003,"sentiment":"neutral","sentiment_score":0.012681584088848187},{"text":"So I","start":679.88,"end":680.36,"sentiment":"neutral","sentiment_score":0.15096265822649002}],"sentiment":"neutral","sentiment_score":0.15609694982610517,"channel":0,"num_words":59,"start":658.08,"end":680.36},{"sentences":[{"text":"Oh.","start":680.235,"end":680.735,"sentiment":"neutral","sentiment_score":0.22432073950767517}],"sentiment":"neutral","sentiment_score":0.22432073950767517,"channel":1,"num_words":1,"start":680.235,"end":680.735},{"sentences":[{"text":"believe if we did send a form through to your employer, they could actually switch it across pretty 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yeah.","start":1111.8351,"end":1114.015,"sentiment":"neutral","sentiment_score":-0.01625349000096321},{"text":"I guess it depends on, yeah, how much, or what the current situation is.","start":1115.755,"end":1124.93,"sentiment":"neutral","sentiment_score":-0.026610801262514933},{"text":"If it's gonna be be be full tax, then they can do a 100 per child.","start":1124.93,"end":1129.11,"sentiment":"neutral","sentiment_score":-0.018933316285256296}],"sentiment":"neutral","sentiment_score":-0.020714439728574174,"channel":1,"num_words":37,"start":1109.275,"end":1129.11},{"sentences":[{"text":"Whereas after tax, it's probably 50.","start":1129.5701,"end":1131.75,"sentiment":"neutral","sentiment_score":-0.003530216325695316}],"sentiment":"neutral","sentiment_score":-0.003530216325695316,"channel":1,"num_words":6,"start":1129.5701,"end":1131.75},{"sentences":[{"text":"Yep.","start":1133.865,"end":1134.365,"sentiment":"neutral","sentiment_score":0.19085435569286344},{"text":"Okay.","start":1135.0399,"end":1135.5399,"sentiment":"neutral","sentiment_score":0.27128997445106506},{"text":"So I reckon working off 50 is a good starting point.","start":1135.84,"end":1139.38,"sentiment":"positive","sentiment_score":0.5641825768080625},{"text":"And what I can do with the children, you've just had","start":1139.6799,"end":1145.94,"sentiment":"neutral","sentiment_score":0.22076687894084238}],"sentiment":"positive","sentiment_score":0.3790245143075784,"channel":0,"num_words":24,"start":1133.865,"end":1145.94},{"sentences":[{"text":"Mhmm.","start":1145.64,"end":1146.14,"sentiment":"neutral","sentiment_score":0.07088717818260193}],"sentiment":"neutral","sentiment_score":0.07088717818260193,"channel":1,"num_words":1,"start":1145.64,"end":1146.14},{"sentences":[{"text":"you've just come off maternity leave.","start":1146.96,"end":1148.745,"sentiment":"neutral","sentiment_score":0.052196199695269264},{"text":"How old will your eldest be?","start":1150.345,"end":1152.125,"sentiment":"neutral","sentiment_score":0.0334464389209946}],"sentiment":"neutral","sentiment_score":0.04282131930813193,"channel":0,"num_words":12,"start":1146.96,"end":1152.125},{"sentences":[{"text":"About four.","start":1153.24,"end":1154.54,"sentiment":"neutral","sentiment_score":0.03813173994421959}],"sentiment":"neutral","sentiment_score":0.03813173994421959,"channel":1,"num_words":2,"start":1153.24,"end":1154.54},{"sentences":[{"text":"Four.","start":1156.1849,"end":1156.6849,"sentiment":"neutral","sentiment_score":0.09353996813297272}],"sentiment":"neutral","sentiment_score":0.09353996813297272,"channel":0,"num_words":1,"start":1156.1849,"end":1156.6849},{"sentences":[{"text":"A little","start":1157.0,"end":1157.4,"sentiment":"neutral","sentiment_score":0.2849402278661728}],"sentiment":"neutral","sentiment_score":0.2849402278661728,"channel":1,"num_words":2,"start":1157.0,"end":1157.4},{"sentences":[{"text":"Perfect.","start":1157.385,"end":1157.885,"sentiment":"positive","sentiment_score":0.4990389347076416}],"sentiment":"positive","sentiment_score":0.4990389347076416,"channel":0,"num_words":1,"start":1157.385,"end":1157.885},{"sentences":[{"text":"bit.","start":1157.4,"end":1157.56,"sentiment":"neutral","sentiment_score":0.3237287998199463},{"text":"Yeah.","start":1157.56,"end":1158.06,"sentiment":"neutral","sentiment_score":0.25493186712265015}],"sentiment":"neutral","sentiment_score":0.2893303334712982,"channel":1,"num_words":2,"start":1157.4,"end":1158.06},{"sentences":[{"text":"Because what you wanna do when you do this type of bond is you wanna hold it for at least ten years for them.","start":1158.505,"end":1165.74,"sentiment":"neutral","sentiment_score":0.18058252862344185},{"text":"Because if you","start":1165.74,"end":1166.72,"sentiment":"neutral","sentiment_score":0.06273812552293141}],"sentiment":"neutral","sentiment_score":0.16748870605671848,"channel":0,"num_words":27,"start":1158.505,"end":1166.72},{"sentences":[{"text":"Yes.","start":1166.495,"end":1166.995,"sentiment":"neutral","sentiment_score":0.1968785524368286}],"sentiment":"neutral","sentiment_score":0.1968785524368286,"channel":1,"num_words":1,"start":1166.495,"end":1166.995},{"sentences":[{"text":"if you sell it in less than ten years, then there's some taxes that come out.","start":1166.86,"end":1170.86,"sentiment":"neutral","sentiment_score":0.14774056058377028},{"text":"So once it's past the ten year mark, you're pretty good in terms of being able to transfer it to them.","start":1170.86,"end":1176.105,"sentiment":"positive","sentiment_score":0.43159325633730206},{"text":"So, like, fourteen years is amazing.","start":1176.1849,"end":1178.205,"sentiment":"positive","sentiment_score":0.758472720781962}],"sentiment":"positive","sentiment_score":0.3715847366771033,"channel":0,"num_words":43,"start":1166.86,"end":1178.205},{"sentences":[{"text":"Yes.","start":1179.33,"end":1179.83,"sentiment":"neutral","sentiment_score":0.2948876619338989}],"sentiment":"neutral","sentiment_score":0.2948876619338989,"channel":1,"num_words":1,"start":1179.33,"end":1179.83},{"sentences":[{"text":"And then we've got the other child there.","start":1181.625,"end":1185.465,"sentiment":"neutral","sentiment_score":0.20807212218642235},{"text":"So what I would like to do last quick question is how much do you actually have in savings at the moment?","start":1185.465,"end":1191.74,"sentiment":"neutral","sentiment_score":0.08074500750411641},{"text":"Do you have a pool of, like, an emergency fund that you've got built up already, or are you still building one up?","start":1191.74,"end":1197.2,"sentiment":"neutral","sentiment_score":0.05374264968154223}],"sentiment":"neutral","sentiment_score":0.08824619028787568,"channel":0,"num_words":53,"start":1181.625,"end":1197.2},{"sentences":[{"text":"Kinda still building one up.","start":1198.735,"end":1200.835,"sentiment":"neutral","sentiment_score":0.023317448422312738},{"text":"I just because I've refinanced, and there's a a lump of money that I do have saved up for school fees next","start":1201.695,"end":1213.54,"sentiment":"neutral","sentiment_score":0.036627024242823776}],"sentiment":"neutral","sentiment_score":0.03416228797976618,"channel":1,"num_words":27,"start":1198.735,"end":1213.54},{"sentences":[{"text":"Yeah.","start":1213.4551,"end":1213.9551,"sentiment":"neutral","sentiment_score":0.006541755050420761}],"sentiment":"neutral","sentiment_score":0.006541755050420761,"channel":0,"num_words":1,"start":1213.4551,"end":1213.9551},{"sentences":[{"text":"year.","start":1213.54,"end":1214.04,"sentiment":"neutral","sentiment_score":0.005263566970825195}],"sentiment":"neutral","sentiment_score":0.005263566970825195,"channel":1,"num_words":1,"start":1213.54,"end":1214.04},{"sentences":[{"text":"Yep.","start":1214.655,"end":1214.97,"sentiment":"neutral","sentiment_score":0.017127148807048798}],"sentiment":"neutral","sentiment_score":0.017127148807048798,"channel":0,"num_words":1,"start":1214.655,"end":1214.97},{"sentences":[{"text":"So yeah.","start":1215.4601,"end":1216.66,"sentiment":"neutral","sentiment_score":-0.01746052224189043},{"text":"So that's kinda untouchable.","start":1216.66,"end":1219.275,"sentiment":"neutral","sentiment_score":-0.08487377129495144}],"sentiment":"neutral","sentiment_score":-0.06240268827726444,"channel":1,"num_words":6,"start":1215.4601,"end":1219.275},{"sentences":[{"text":"Yeah.","start":1220.65,"end":1221.0499,"sentiment":"neutral","sentiment_score":0.05906908959150314},{"text":"Absolutely.","start":1221.0499,"end":1221.5499,"sentiment":"neutral","sentiment_score":0.11086566001176834}],"sentiment":"neutral","sentiment_score":0.08496737480163574,"channel":0,"num_words":2,"start":1220.65,"end":1221.5499},{"sentences":[{"text":"Yeah.","start":1222.375,"end":1222.875,"sentiment":"neutral","sentiment_score":0.061977386474609375}],"sentiment":"neutral","sentiment_score":0.061977386474609375,"channel":1,"num_words":1,"start":1222.375,"end":1222.875},{"sentences":[{"text":"So we don't normally start them with less than, say, 2 to 5,000 per account.","start":1222.49,"end":1229.63,"sentiment":"neutral","sentiment_score":0.04075434555610021},{"text":"So what I was thinking is if you're comfortable, let's just do a bit of savings for six to twelve months, get that emergency fund built up because we don't wanna lock it away in case something happens and something goes wrong and you need some funds.","start":1229.825,"end":1242.645,"sentiment":"neutral","sentiment_score":0.15121393856850077},{"text":"And then once you've built up that savings for six to twelve months, maybe we can look at starting a couple of those accounts next year, maybe like a 2,000 minimum and $50 a week, and we can kind of start that going then.","start":1242.8201,"end":1257.225,"sentiment":"neutral","sentiment_score":0.2434832900762558},{"text":"Does that sound a bit better for you?","start":1257.225,"end":1258.9249,"sentiment":"neutral","sentiment_score":0.21171056106686592}],"sentiment":"neutral","sentiment_score":0.17653789077150195,"channel":0,"num_words":114,"start":1222.49,"end":1258.9249},{"sentences":[{"text":"Yeah.","start":1260.15,"end":1260.65,"sentiment":"neutral","sentiment_score":0.115243598818779},{"text":"Yes.","start":1262.7101,"end":1263.2101,"sentiment":"neutral","sentiment_score":0.11036257445812224},{"text":"Do you know how how much the the save like, the what's the return rate?","start":1263.27,"end":1272.87,"sentiment":"neutral","sentiment_score":0.06672413026293118},{"text":"Like, how many percent per year?","start":1272.87,"end":1275.13,"sentiment":"neutral","sentiment_score":0.126250380029281}],"sentiment":"neutral","sentiment_score":0.086259582930285,"channel":1,"num_words":23,"start":1260.15,"end":1275.13},{"sentences":[{"text":"Yeah.","start":1275.72,"end":1276.04,"sentiment":"neutral","sentiment_score":0.3088882565498352},{"text":"So with the returns, the bonds act similar to hub 24 that we can build you investments in a portfolio when choose the risk level.","start":1276.04,"end":1283.98,"sentiment":"positive","sentiment_score":0.39066218376159667},{"text":"So if you wanted to go for fourteen years, for example, we could do, like, a growth or a high growth similar to your super and try and get those nine, ten, 11% growth returns.","start":1284.065,"end":1294.645,"sentiment":"neutral","sentiment_score":0.31037634738854}],"sentiment":"positive","sentiment_score":0.343255983757191,"channel":0,"num_words":61,"start":1275.72,"end":1294.645},{"sentences":[{"text":"Okay.","start":1296.1799,"end":1296.6799,"sentiment":"neutral","sentiment_score":0.17419850826263428},{"text":"Nine, ten, 11.","start":1296.82,"end":1297.86,"sentiment":"neutral","sentiment_score":0.13548538337151209},{"text":"Yep.","start":1297.86,"end":1298.36,"sentiment":"positive","sentiment_score":0.3542576730251312},{"text":"Cool.","start":1298.4199,"end":1298.9199,"sentiment":"positive","sentiment_score":0.5600497722625732},{"text":"Yep.","start":1299.22,"end":1299.72,"sentiment":"positive","sentiment_score":0.4517952799797058}],"sentiment":"neutral","sentiment_score":0.2781081976635115,"channel":1,"num_words":7,"start":1296.1799,"end":1299.72},{"sentences":[{"text":"I just don't wanna deplete your savings right now for that.","start":1300.3099,"end":1303.2899,"sentiment":"neutral","sentiment_score":-0.006378267976370725},{"text":"If, you know, step one is always making sure you've got an emergency fund first, and then once you've got enough set aside, we can set up a couple of those accounts.","start":1303.4299,"end":1311.895,"sentiment":"neutral","sentiment_score":0.2847038717009127}],"sentiment":"neutral","sentiment_score":0.2102409987602123,"channel":0,"num_words":43,"start":1300.3099,"end":1311.895},{"sentences":[{"text":"Okay.","start":1312.845,"end":1313.345,"sentiment":"neutral","sentiment_score":0.29666149616241455}],"sentiment":"neutral","sentiment_score":0.29666149616241455,"channel":1,"num_words":1,"start":1312.845,"end":1313.345},{"sentences":[{"text":"And I would go through that risk discussion with you and kind of show you what we build because inside those bonds, it's got similar investments available, not as many.","start":1314.195,"end":1324.375,"sentiment":"neutral","sentiment_score":0.28825317273537315},{"text":"So we would do something similar to what you've got inside your super.","start":1324.46,"end":1328.0,"sentiment":"neutral","sentiment_score":0.3014895021915436}],"sentiment":"neutral","sentiment_score":0.29225485373375026,"channel":0,"num_words":43,"start":1314.195,"end":1328.0},{"sentences":[{"text":"Mhmm.","start":1329.06,"end":1329.56,"sentiment":"neutral","sentiment_score":0.0463947094976902},{"text":"So so do you so I so I have to do the savings by myself.","start":1331.865,"end":1340.125,"sentiment":"neutral","sentiment_score":0.020968181639909746},{"text":"Is it is it is it possible to take it out of super, Or is it like a super contribution?","start":1341.0651,"end":1348.42,"sentiment":"neutral","sentiment_score":0.011322394106537103},{"text":"Can I just do an additional, like, $200 into super and super can get the money from there to save up for their 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bond.","start":1359.93,"end":1366.005,"sentiment":"neutral","sentiment_score":-0.16487651925396035},{"text":"You'd","start":1366.0651,"end":1366.385,"sentiment":"neutral","sentiment_score":0.007699443958699703}],"sentiment":"neutral","sentiment_score":-0.160058937485105,"channel":0,"num_words":29,"start":1359.61,"end":1366.385},{"sentences":[{"text":"Okay.","start":1366.275,"end":1366.775,"sentiment":"neutral","sentiment_score":0.0019625648856163025}],"sentiment":"neutral","sentiment_score":0.0019625648856163025,"channel":1,"num_words":1,"start":1366.275,"end":1366.775},{"sentences":[{"text":"have to pull it up into a savings account 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just","start":1378.89,"end":1380.6499,"sentiment":"neutral","sentiment_score":0.10404123365879059}],"sentiment":"neutral","sentiment_score":0.09999928716570139,"channel":1,"num_words":16,"start":1370.4349,"end":1380.6499},{"sentences":[{"text":"Yeah.","start":1380.48,"end":1380.88,"sentiment":"neutral","sentiment_score":0.08748500794172287}],"sentiment":"neutral","sentiment_score":0.08748500794172287,"channel":0,"num_words":1,"start":1380.48,"end":1380.88},{"sentences":[{"text":"trying","start":1380.6499,"end":1381.1499,"sentiment":"neutral","sentiment_score":0.099945567548275}],"sentiment":"neutral","sentiment_score":0.099945567548275,"channel":1,"num_words":1,"start":1380.6499,"end":1381.1499},{"sentences":[{"text":"Pretty much.","start":1380.88,"end":1381.52,"sentiment":"neutral","sentiment_score":0.16163617372512817},{"text":"Whether it's your own main savings account or a separate account, it doesn't have to be in their name to start with.","start":1381.52,"end":1387.28,"sentiment":"neutral","sentiment_score":0.16329097578471358},{"text":"And what I'm thinking is if you do $50 a week, that's 2,600 straight away.","start":1387.28,"end":1393.205,"sentiment":"neutral","sentiment_score":0.3196074108282725},{"text":"And if we can do that for twelve months, you pretty much have enough there to open up one of those accounts.","start":1393.825,"end":1399.2849,"sentiment":"neutral","sentiment_score":0.3216040777889165}],"sentiment":"neutral","sentiment_score":0.25877171620482303,"channel":0,"num_words":61,"start":1380.88,"end":1399.2849},{"sentences":[{"text":"Okay.","start":1400.4651,"end":1400.9651,"sentiment":"neutral","sentiment_score":0.24539834260940552},{"text":"So","start":1403.19,"end":1403.69,"sentiment":"neutral","sentiment_score":0.21331335604190824}],"sentiment":"neutral","sentiment_score":0.2293558493256569,"channel":1,"num_words":2,"start":1400.4651,"end":1403.69},{"sentences":[{"text":"So I wanted to set you 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faster.","start":1407.4,"end":1421.6649,"sentiment":"neutral","sentiment_score":0.2986942022404772}],"sentiment":"neutral","sentiment_score":0.2986942022404772,"channel":0,"num_words":47,"start":1407.4,"end":1421.6649},{"sentences":[{"text":"Okay.","start":1422.505,"end":1423.005,"sentiment":"neutral","sentiment_score":0.22810733318328855}],"sentiment":"neutral","sentiment_score":0.22810733318328855,"channel":1,"num_words":1,"start":1422.505,"end":1423.005},{"sentences":[{"text":"That sound okay for you, Sandra?","start":1424.6849,"end":1426.3049,"sentiment":"neutral","sentiment_score":0.3229743291934331}],"sentiment":"neutral","sentiment_score":0.3229743291934331,"channel":0,"num_words":6,"start":1424.6849,"end":1426.3049},{"sentences":[{"text":"Yeah.","start":1426.505,"end":1427.005,"sentiment":"neutral","sentiment_score":0.20958995819091797},{"text":"Yeah.","start":1427.0651,"end":1427.465,"sentiment":"neutral","sentiment_score":0.2226616144180298},{"text":"Yeah.","start":1427.465,"end":1427.965,"sentiment":"neutral","sentiment_score":0.31331324577331543},{"text":"Sounds okay.","start":1428.345,"end":1429.325,"sentiment":"positive","sentiment_score":0.5957388579845428}],"sentiment":"positive","sentiment_score":0.3874085068702698,"channel":1,"num_words":5,"start":1426.505,"end":1429.325},{"sentences":[{"text":"Amazing.","start":1431.1649,"end":1431.6649,"sentiment":"positive","sentiment_score":0.8093900680541992},{"text":"I'll just add it as a goal for now, and that's something that I can check with you at the next review, whether it's myself or Connor.","start":1432.11,"end":1437.97,"sentiment":"positive","sentiment_score":0.5397416872006876},{"text":"But, look, that'll be amazing.","start":1438.11,"end":1441.15,"sentiment":"positive","sentiment_score":0.722341525554657},{"text":"Like, I've I'll give you a bit of an idea here just for future reference.","start":1441.15,"end":1445.73,"sentiment":"positive","sentiment_score":0.39057724674542743},{"text":"So, usually, the the sort of setup fee is about 350.","start":1447.07,"end":1452.705,"sentiment":"neutral","sentiment_score":0.1605328687212684}],"sentiment":"positive","sentiment_score":0.45116344927731206,"channel":0,"num_words":59,"start":1431.1649,"end":1452.705},{"sentences":[{"text":"So let's say you've got 2,600 there per 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idea.","start":1499.245,"end":1500.3049,"sentiment":"positive","sentiment_score":0.5913251340389252},{"text":"Unfortunately, the account has to be linked to the beneficiary that gets it at the end of the day, so you couldn't do the the one account.","start":1500.765,"end":1507.905,"sentiment":"neutral","sentiment_score":-0.05288243073004263},{"text":"Otherwise, it would just go to the one one person.","start":1507.965,"end":1510.225,"sentiment":"neutral","sentiment_score":-0.0167655972763896}],"sentiment":"neutral","sentiment_score":0.030962050697484682,"channel":0,"num_words":43,"start":1498.9249,"end":1510.225},{"sentences":[{"text":"Okay.","start":1516.6,"end":1516.92,"sentiment":"neutral","sentiment_score":0.07579507678747177},{"text":"Yeah.","start":1516.92,"end":1517.42,"sentiment":"neutral","sentiment_score":0.08805692195892334}],"sentiment":"neutral","sentiment_score":0.08192599937319756,"channel":1,"num_words":2,"start":1516.6,"end":1517.42},{"sentences":[{"text":"But we don't we don't charge any, like, advice fees to look after those.","start":1517.34,"end":1521.6,"sentiment":"neutral","sentiment_score":0.0908745883830956},{"text":"So what we do is we just set it up.","start":1521.66,"end":1524.16,"sentiment":"neutral","sentiment_score":0.22142861783504486},{"text":"You put your $50 in, and then we can review it as part of your super review.","start":1524.22,"end":1528.875,"sentiment":"neutral","sentiment_score":0.22901042857590845},{"text":"If we need to update the investments, we can do that basically for free for you.","start":1529.0149,"end":1532.7949,"sentiment":"neutral","sentiment_score":0.2801800016313791},{"text":"And if you wanna increase or decrease your contributions, you can do that as 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estimate.","start":1547.2699,"end":1549.45,"sentiment":"neutral","sentiment_score":0.0907451722305268},{"text":"And then your other chart, if you go a couple extra years, you know, it'll be closer to that $100,000 mark.","start":1549.9099,"end":1555.445,"sentiment":"neutral","sentiment_score":0.04378199337848595}],"sentiment":"neutral","sentiment_score":0.05901727179686229,"channel":0,"num_words":30,"start":1546.3099,"end":1555.445},{"sentences":[{"text":"Mhmm.","start":1556.145,"end":1556.645,"sentiment":"neutral","sentiment_score":0.08130510151386261},{"text":"Yep.","start":1557.585,"end":1558.085,"sentiment":"neutral","sentiment_score":0.2629486620426178},{"text":"Cool.","start":1560.145,"end":1560.645,"sentiment":"positive","sentiment_score":0.5186818242073059},{"text":"And then so that's about yeah.","start":1560.7849,"end":1564.885,"sentiment":"neutral","sentiment_score":0.26523226002852124},{"text":"Cool.","start":1567.95,"end":1568.45,"sentiment":"positive","sentiment_score":0.7322078347206116}],"sentiment":"neutral","sentiment_score":0.3186536982655525,"channel":1,"num_words":10,"start":1556.145,"end":1568.45},{"sentences":[{"text":"That's good to know.","start":1568.51,"end":1569.47,"sentiment":"positive","sentiment_score":0.7877012193202972},{"text":"And","start":1569.47,"end":1569.97,"sentiment":"positive","sentiment_score":0.41457515954971313}],"sentiment":"positive","sentiment_score":0.7130760073661804,"channel":1,"num_words":5,"start":1568.51,"end":1569.97},{"sentences":[{"text":"And we'll, again, just save for for twelve months and and get that built up, and then we'll have another discussion.","start":1572.48,"end":1577.78,"sentiment":"neutral","sentiment_score":0.29229336977005005},{"text":"I'll run through in a bit more detail with you.","start":1577.985,"end":1580.225,"sentiment":"neutral","sentiment_score":0.16006729304790496},{"text":"I'll build you an updated plan so you can see it in writing first.","start":1580.225,"end":1583.765,"sentiment":"neutral","sentiment_score":0.24682249554565974},{"text":"And then if you're comfortable with that, we can go ahead and set them up.","start":1583.825,"end":1587.045,"sentiment":"neutral","sentiment_score":0.23591296672821044}],"sentiment":"neutral","sentiment_score":0.24555071890354158,"channel":0,"num_words":60,"start":1572.48,"end":1587.045},{"sentences":[{"text":"Yeah.","start":1588.3351,"end":1588.8151,"sentiment":"neutral","sentiment_score":0.07545697689056396},{"text":"Because I'm just thinking if I wanted to wait another year.","start":1588.8151,"end":1592.435,"sentiment":"neutral","sentiment_score":0.011711840094490484},{"text":"I do maybe have 2,000 spare to start up one account 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year?","start":1623.665,"end":1628.405,"sentiment":"neutral","sentiment_score":0.02560767365826501},{"text":"Month.","start":1632.5399,"end":1632.7799,"sentiment":"neutral","sentiment_score":0.012592270970344543},{"text":"Yeah.","start":1632.7799,"end":1633.2799,"sentiment":"neutral","sentiment_score":0.03451583534479141},{"text":"So do I just transfer the fund to someone?","start":1635.82,"end":1639.2799,"sentiment":"neutral","sentiment_score":0.015585328452289104}],"sentiment":"neutral","sentiment_score":0.026374506065621972,"channel":1,"num_words":28,"start":1614.465,"end":1639.2799},{"sentences":[{"text":"Or","start":1639.5,"end":1640.0,"sentiment":"neutral","sentiment_score":0.015256563201546667}],"sentiment":"neutral","sentiment_score":0.015256563201546667,"channel":1,"num_words":1,"start":1639.5,"end":1640.0},{"sentences":[{"text":"So what'll happen is when we do any type of advice, we put together the the statement of advice document to show you what we think you should do.","start":1641.38,"end":1650.12,"sentiment":"neutral","sentiment_score":0.07032676137469966},{"text":"Once you sign off on that, we would do an application.","start":1650.42,"end":1653.4601,"sentiment":"neutral","sentiment_score":0.07965346324172887},{"text":"Like, when you opened up your super account, we would actually do an application to open that account, and then we can work on actually depositing the funds.","start":1653.4601,"end":1661.565,"sentiment":"neutral","sentiment_score":0.0947025850681322}],"sentiment":"neutral","sentiment_score":0.08187259643283837,"channel":0,"num_words":68,"start":1641.38,"end":1661.565},{"sentences":[{"text":"Okay.","start":1662.66,"end":1663.16,"sentiment":"neutral","sentiment_score":0.14593803882598877},{"text":"Yep.","start":1663.4601,"end":1663.9601,"sentiment":"neutral","sentiment_score":0.14485207200050354},{"text":"Okay.","start":1671.7151,"end":1672.2151,"sentiment":"neutral","sentiment_score":0.24728107452392575},{"text":"That'll be great.","start":1672.275,"end":1673.155,"sentiment":"positive","sentiment_score":0.546351949373881},{"text":"It's it's okay.","start":1673.155,"end":1674.295,"sentiment":"positive","sentiment_score":0.3336462378501892}],"sentiment":"positive","sentiment_score":0.3531184163358476,"channel":1,"num_words":9,"start":1662.66,"end":1674.295},{"sentences":[{"text":"Maybe we'll start it next year 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done.","start":1680.92,"end":1681.48,"sentiment":"positive","sentiment_score":0.48812517523765564},{"text":"So at the moment, portfolio fix up for the hub 24.","start":1681.48,"end":1685.625,"sentiment":"neutral","sentiment_score":0.08962206779555841},{"text":"We will look at the quote for the income protection, and then I will just work with you to see if we can either fully close down HESTA and move the contributions or just keep it going if there's an EBA.","start":1686.005,"end":1699.02,"sentiment":"neutral","sentiment_score":0.1075174427795701},{"text":"And your salary sacrifice, you're just okay to keep that going at the current rate.","start":1699.4,"end":1704.06,"sentiment":"neutral","sentiment_score":0.13190469990173975}],"sentiment":"neutral","sentiment_score":0.1209982427349989,"channel":0,"num_words":69,"start":1680.92,"end":1704.06},{"sentences":[{"text":"Yes.","start":1705.6849,"end":1706.1849,"sentiment":"neutral","sentiment_score":0.12250296771526337},{"text":"Yeah.","start":1707.765,"end":1708.265,"sentiment":"neutral","sentiment_score":0.12212833017110825},{"text":"The lower sacrifice at the current rate.","start":1708.325,"end":1710.485,"sentiment":"neutral","sentiment_score":0.12066318946225303},{"text":"Yes.","start":1710.485,"end":1710.93,"sentiment":"positive","sentiment_score":0.36751341819763184}],"sentiment":"neutral","sentiment_score":0.14567870423197746,"channel":1,"num_words":10,"start":1705.6849,"end":1710.93},{"sentences":[{"text":"Perfect.","start":1711.0,"end":1711.24,"sentiment":"positive","sentiment_score":0.5940086841583252},{"text":"Yep.","start":1711.24,"end":1711.665,"sentiment":"neutral","sentiment_score":0.2872076630592346},{"text":"And then for the children, I've just added there a goal to set aside $50 a week to save for their their sort of future education and home deposit and so on.","start":1711.745,"end":1720.9451,"sentiment":"neutral","sentiment_score":0.32319149549584836},{"text":"And then in twelve months' time, we'll look at maybe setting up some investments for","start":1720.9451,"end":1725.02,"sentiment":"neutral","sentiment_score":0.014876796988149484}],"sentiment":"neutral","sentiment_score":0.23360196240626427,"channel":0,"num_words":49,"start":1711.0,"end":1725.02},{"sentences":[{"text":"Yeah.","start":1726.13,"end":1726.515,"sentiment":"neutral","sentiment_score":0.011065104976296425},{"text":"Yeah.","start":1726.915,"end":1727.415,"sentiment":"neutral","sentiment_score":-0.027498893439769745},{"text":"It's just because, currently, my childcare subsidy yeah.","start":1727.555,"end":1731.655,"sentiment":"neutral","sentiment_score":-0.21892280597239733},{"text":"Wouldn't be able to take that much money 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subsidy hasn't come approved yet, so I've been paying $800 per week for childcare.","start":1737.395,"end":1744.71,"sentiment":"neutral","sentiment_score":-0.07898595320681731}],"sentiment":"neutral","sentiment_score":-0.07898595320681731,"channel":1,"num_words":15,"start":1737.395,"end":1744.71},{"sentences":[{"text":"Oh, that's fun.","start":1745.655,"end":1747.1951,"sentiment":"positive","sentiment_score":0.3935431142648061},{"text":"That's oh,","start":1747.255,"end":1748.775,"sentiment":"neutral","sentiment_score":0.13265659660100937}],"sentiment":"neutral","sentiment_score":0.2891885071992874,"channel":0,"num_words":5,"start":1745.655,"end":1748.775},{"sentences":[{"text":"Yeah.","start":1748.49,"end":1748.99,"sentiment":"neutral","sentiment_score":0.006543349474668503}],"sentiment":"neutral","sentiment_score":0.006543349474668503,"channel":1,"num_words":1,"start":1748.49,"end":1748.99},{"sentences":[{"text":"they do charge a lot, don't they?","start":1748.775,"end":1749.975,"sentiment":"neutral","sentiment_score":-0.059879513191325326},{"text":"And then I'm assuming you'll get a bit of a refund as well.","start":1749.975,"end":1752.51,"sentiment":"neutral","sentiment_score":0.01466523426083418}],"sentiment":"neutral","sentiment_score":-0.011425427347421645,"channel":0,"num_words":20,"start":1748.775,"end":1752.51},{"sentences":[{"text":"Yeah.","start":1752.77,"end":1753.09,"sentiment":"neutral","sentiment_score":0.03826892375946045},{"text":"Yeah.","start":1753.09,"end":1753.25,"sentiment":"neutral","sentiment_score":0.05820799991488457},{"text":"Hopefully, soon.","start":1753.25,"end":1754.3099,"sentiment":"neutral","sentiment_score":0.14736686646938324},{"text":"It's been over almost three and a half weeks four weeks now.","start":1755.865,"end":1759.8049,"sentiment":"neutral","sentiment_score":0.05026186381777128}],"sentiment":"neutral","sentiment_score":0.062147063901647925,"channel":1,"num_words":16,"start":1752.77,"end":1759.8049},{"sentences":[{"text":"Yep.","start":1759.87,"end":1760.27,"sentiment":"neutral","sentiment_score":0.04778464138507843},{"text":"Oh, no, Sandra.","start":1760.27,"end":1761.31,"sentiment":"neutral","sentiment_score":-0.045650447408358254},{"text":"I've just had my third child and look.","start":1761.31,"end":1763.23,"sentiment":"neutral","sentiment_score":-0.114276222884655},{"text":"When I got my I think I got a $3,000 refund from updating the income around tax time, and I was just like, wow.","start":1763.23,"end":1769.775,"sentiment":"neutral","sentiment_score":-0.13052724612255892},{"text":"We were","start":1769.835,"end":1770.235,"sentiment":"neutral","sentiment_score":-0.17913001775741577}],"sentiment":"neutral","sentiment_score":-0.11827080069403899,"channel":0,"num_words":38,"start":1759.87,"end":1770.235},{"sentences":[{"text":"Yeah.","start":1770.1849,"end":1770.6849,"sentiment":"neutral","sentiment_score":-0.23207761347293857}],"sentiment":"neutral","sentiment_score":-0.23207761347293857,"channel":1,"num_words":1,"start":1770.1849,"end":1770.6849},{"sentences":[{"text":"overpaying that much, and it can be quite a lot.","start":1770.235,"end":1773.0549,"sentiment":"negative","sentiment_score":-0.4222999393939972}],"sentiment":"negative","sentiment_score":-0.4222999393939972,"channel":0,"num_words":10,"start":1770.235,"end":1773.0549},{"sentences":[{"text":"Yeah.","start":1773.33,"end":1773.83,"sentiment":"neutral","sentiment_score":-0.09651919454336166},{"text":"And, yeah, this this the thing is I don't know if I'm gonna get my money back because, she's going to childcare four days a week now.","start":1773.8899,"end":1783.75,"sentiment":"neutral","sentiment_score":-0.18244688709576926},{"text":"And then","start":1784.005,"end":1784.745,"sentiment":"neutral","sentiment_score":-0.06361911445856094}],"sentiment":"neutral","sentiment_score":-0.17166077916820843,"channel":1,"num_words":30,"start":1773.33,"end":1784.745},{"sentences":[{"text":"Yep.","start":1784.33,"end":1784.83,"sentiment":"neutral","sentiment_score":-0.05367182940244675}],"sentiment":"neutral","sentiment_score":-0.05367182940244675,"channel":0,"num_words":1,"start":1784.33,"end":1784.83},{"sentences":[{"text":"and then the center link thingy, I don't know why they go through.","start":1785.6849,"end":1789.385,"sentiment":"neutral","sentiment_score":-0.10940388819346061},{"text":"It'll need time for it to be assessed and payment balancing and waiting confirmation information or whatever.","start":1789.765,"end":1797.385,"sentiment":"neutral","sentiment_score":-0.09338751917376238},{"text":"So yeah.","start":1798.35,"end":1799.33,"sentiment":"neutral","sentiment_score":-0.07754578068852425},{"text":"A bit","start":1799.87,"end":1801.57,"sentiment":"neutral","sentiment_score":-0.14311905205249786}],"sentiment":"neutral","sentiment_score":-0.10150494229267626,"channel":1,"num_words":34,"start":1785.6849,"end":1801.57},{"sentences":[{"text":"No fun.","start":1801.145,"end":1801.885,"sentiment":"negative","sentiment_score":-0.43324729800224304}],"sentiment":"negative","sentiment_score":-0.43324729800224304,"channel":0,"num_words":2,"start":1801.145,"end":1801.885},{"sentences":[{"text":"yeah.","start":1802.19,"end":1802.69,"sentiment":"neutral","sentiment_score":-0.29399019479751587},{"text":"A bit all over the 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now.","start":1815.355,"end":1816.415,"sentiment":"neutral","sentiment_score":-0.008321380863587061}],"sentiment":"neutral","sentiment_score":-0.030242993496358395,"channel":1,"num_words":4,"start":1813.995,"end":1816.415},{"sentences":[{"text":"Oh, actually, there was one last thing.","start":1816.03,"end":1818.43,"sentiment":"neutral","sentiment_score":0.002855578437447548},{"text":"I do apologize.","start":1818.43,"end":1819.17,"sentiment":"neutral","sentiment_score":-0.057998413840929665},{"text":"The beneficiary nominations for your super and your life insurance, I just wanted to double check who you wanted that to all go","start":1820.365,"end":1826.785,"sentiment":"neutral","sentiment_score":-0.01787574589252472}],"sentiment":"neutral","sentiment_score":-0.01712570751480984,"channel":0,"num_words":33,"start":1816.03,"end":1826.785},{"sentences":[{"text":"Yeah.","start":1828.66,"end":1828.9,"sentiment":"neutral","sentiment_score":-0.06568652391433716},{"text":"I'm not sure","start":1828.9,"end":1829.88,"sentiment":"neutral","sentiment_score":-0.09200537949800491}],"sentiment":"neutral","sentiment_score":-0.08542566560208797,"channel":1,"num_words":4,"start":1828.66,"end":1829.88},{"sentences":[{"text":"to.","start":1831.325,"end":1831.485,"sentiment":"neutral","sentiment_score":-0.08293086290359497},{"text":"Okay.","start":1831.485,"end":1831.8049,"sentiment":"neutral","sentiment_score":0.0063287969678640366},{"text":"I'll send you out some blank forms.","start":1831.8049,"end":1833.485,"sentiment":"neutral","sentiment_score":0.05449806659349373},{"text":"And if you","start":1833.485,"end":1835.0499,"sentiment":"neutral","sentiment_score":0.06154601648449898}],"sentiment":"neutral","sentiment_score":0.04079353747268518,"channel":0,"num_words":12,"start":1831.325,"end":1835.0499},{"sentences":[{"text":"yet.","start":1834.66,"end":1835.16,"sentiment":"neutral","sentiment_score":0.0488324798643589}],"sentiment":"neutral","sentiment_score":0.0488324798643589,"channel":1,"num_words":1,"start":1834.66,"end":1835.16},{"sentences":[{"text":"have some ideas on who you'd like or any questions, when you get the forms, please just call in.","start":1835.19,"end":1840.63,"sentiment":"neutral","sentiment_score":0.06646085295237993},{"text":"I'll walk you through it in two minutes flat.","start":1840.63,"end":1842.65,"sentiment":"neutral","sentiment_score":0.12680744462543064}],"sentiment":"neutral","sentiment_score":0.08585797170443195,"channel":0,"num_words":28,"start":1835.19,"end":1842.65},{"sentences":[{"text":"Okay.","start":1843.06,"end":1843.54,"sentiment":"neutral","sentiment_score":0.1564566195011139},{"text":"Sure.","start":1843.54,"end":1844.04,"sentiment":"neutral","sentiment_score":0.289845734834671}],"sentiment":"neutral","sentiment_score":0.22315117716789246,"channel":1,"num_words":2,"start":1843.06,"end":1844.04},{"sentences":[{"text":"Perfect.","start":1845.4299,"end":1845.9299,"sentiment":"positive","sentiment_score":0.4933652579784394},{"text":"Alrighty.","start":1846.23,"end":1846.73,"sentiment":"neutral","sentiment_score":0.28477486968040466},{"text":"So I'll put this together.","start":1846.79,"end":1848.09,"sentiment":"neutral","sentiment_score":0.15566607639193536},{"text":"It will take me a couple of weeks just to get all of the research from Hester, the insurer, and the comparisons for the portfolio, and then I'll get Michelle to give you a call, book you in with me, and I'll run through the updated plan, get your permission first.","start":1848.15,"end":1862.64,"sentiment":"neutral","sentiment_score":0.13546770387420468}],"sentiment":"neutral","sentiment_score":0.14595385184832688,"channel":0,"num_words":58,"start":1845.4299,"end":1862.64},{"sentences":[{"text":"Yes.","start":1864.0399,"end":1864.5399,"sentiment":"neutral","sentiment_score":0.16564491391181946},{"text":"If you could send me an email in regards to the HESTA, that would be great because I know what I'm gonna tell them about That'd be awesome as","start":1864.9199,"end":1874.9149,"sentiment":"neutral","sentiment_score":0.25835286748820335}],"sentiment":"neutral","sentiment_score":0.25526260236899057,"channel":1,"num_words":30,"start":1864.0399,"end":1874.9149},{"sentences":[{"text":"Yeah.","start":1875.68,"end":1876.08,"sentiment":"neutral","sentiment_score":0.30077141523361206},{"text":"Yep.","start":1876.08,"end":1876.4,"sentiment":"positive","sentiment_score":0.3364213705062866},{"text":"I'll do that","start":1876.4,"end":1876.965,"sentiment":"positive","sentiment_score":0.4371629556020101}],"sentiment":"positive","sentiment_score":0.38973633050918577,"channel":0,"num_words":5,"start":1875.68,"end":1876.965},{"sentences":[{"text":"well.","start":1876.735,"end":1877.235,"sentiment":"positive","sentiment_score":0.3467576503753662},{"text":"Okay.","start":1878.1749,"end":1878.495,"sentiment":"positive","sentiment_score":0.36370864510536194},{"text":"Great.","start":1878.495,"end":1878.895,"sentiment":"positive","sentiment_score":0.768085241317749},{"text":"Thank you for","start":1878.895,"end":1879.615,"sentiment":"positive","sentiment_score":0.8245483636856079}],"sentiment":"positive","sentiment_score":0.6586994379758835,"channel":1,"num_words":6,"start":1876.735,"end":1879.615},{"sentences":[{"text":"straight away.","start":1880.565,"end":1881.3049,"sentiment":"positive","sentiment_score":0.8313754796981812},{"text":"Amazing, Sandra.","start":1881.525,"end":1882.325,"sentiment":"positive","sentiment_score":0.8037710189819336},{"text":"Thank you so much for your time today, and I will talk to you again soon.","start":1882.325,"end":1885.705,"sentiment":"positive","sentiment_score":0.8042348623275757}],"sentiment":"positive","sentiment_score":0.806902539730072,"channel":0,"num_words":20,"start":1880.565,"end":1885.705},{"sentences":[{"text":"okay.","start":1886.6549,"end":1887.135,"sentiment":"positive","sentiment_score":0.4270692467689514},{"text":"Thank you.","start":1887.135,"end":1887.955,"sentiment":"positive","sentiment_score":0.7386719286441803}],"sentiment":"positive","sentiment_score":0.634804368019104,"channel":1,"num_words":3,"start":1886.6549,"end":1887.955},{"sentences":[{"text":"Amazing.","start":1888.4049,"end":1888.8049,"sentiment":"positive","sentiment_score":0.7897367477416992},{"text":"Have a great day.","start":1888.8049,"end":1889.605,"sentiment":"positive","sentiment_score":0.7736606895923615},{"text":"Bye.","start":1889.605,"end":1890.105,"sentiment":"positive","sentiment_score":0.43306320905685425}],"sentiment":"positive","sentiment_score":0.7195737858613332,"channel":0,"num_words":6,"start":1888.4049,"end":1890.105},{"sentences":[{"text":"Bye.","start":1890.1969,"end":1890.6969,"sentiment":"neutral","sentiment_score":-0.11055173724889757}],"sentiment":"neutral","sentiment_score":-0.11055173724889757,"channel":1,"num_words":1,"start":1890.1969,"end":1890.6969}]},"summary":{"result":"success","short":"A senior adviser suggests updating the customer's investment portfolio and recommends a portfolio review, while also discussing investment options and risk levels. The speaker discusses growth assets and insurance coverage for potential deaths and accident outcomes. They also discuss coverage and premiums, retirement age, and savings goals for the customer. The agent suggests building pool of savings for emergency funds and setting up accounts for each child to save money, and explains the setup fee and starting an account for one child. The speaker provides information on retirement age and beneficiary nominations, and sends a request for blank forms."},"intents":{"segments":[{"text":"But if you had to choose between lower fee investments or paying a higher fee to try and get a higher return, which way does your gut feeling lean you towards?","start_word":366,"end_word":396,"intents":[{"intent":"Evaluate decision-making options","confidence_score":0.000053735057}]},{"text":"Now outside of that, just having a quick look at the insurance side of things because you have had your second child, and I have noted a few things that it kind of stand out to me with regard to your insurances. Now you have this ClearView policy where you've got life insurance, total disability, and income protection. So Yeah.","start_word":767,"end_word":826,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.08811412}]},{"text":"So at that amount, I think that one should be okay to at least clear the debts off. And then in the life event, so if you were to pass away, there's another 350,000 that would come out on top of paying out those debts as well to your family. Okay.","start_word":1085,"end_word":1135,"intents":[{"intent":"Clarify payment plan","confidence_score":0.027453884}]},{"text":"Would you be okay to just ask your payroll if you can change them or if it's restricted and let me know? Yeah.","start_word":1969,"end_word":1991,"intents":[{"intent":"Request payroll change","confidence_score":0.06484182}]},{"text":"So at this point, I'll get the portfolio updated. We'll do some research on the HESTA and figure out how much we're moving around. We'll do a quote for the income protection just to get that correct. And just with the salary sacrifice, do you know how much you've got set with them? Was it a percentage base of your income, or was it like a set amount?","start_word":2178,"end_word":2245,"intents":[{"intent":"Organize portfolio and tasks","confidence_score":0.000066173365}]},{"text":"So if you're okay to ask the the payroll about the EBA restrictions, as soon as we get the research back from Hester, I'm gonna send you an email just letting you know that we've got it and get you booked in for the updated plan. And if you could just reply to that, what they've said about the contributions, if it's still restricted, that would be amazing.","start_word":2520,"end_word":2587,"intents":[{"intent":"Request information","confidence_score":0.003873025}]},{"text":"if you sell it in less than ten years, then there's some taxes that come out. So once it's past the ten year mark, you're pretty good in terms of being able to transfer it to them. So, like, fourteen years is amazing. Yes.","start_word":2933,"end_word":2976,"intents":[{"intent":"Transfer","confidence_score":0.000026890657}]},{"text":"Do you have a pool of, like, an emergency fund that you've got built up already, or are you still building one up?","start_word":3007,"end_word":3029,"intents":[{"intent":"Build emergency fund","confidence_score":0.05265084}]},{"text":"So So I wanted to set you a bit of a a savings goal.","start_word":3541,"end_word":3554,"intents":[{"intent":"Set a savings goal","confidence_score":0.17366903}]},{"text":"If you can put aside $50 minimum a week for each of them and build up that kind of 5,200, then in twelve months' time, I can use that as a starting point, build you a plan, build you a portfolio, and we can open those accounts and get it going a bit faster. Okay.","start_word":3556,"end_word":3610,"intents":[{"intent":"Set up and review funds","confidence_score":0.0019031985}]},{"text":"I'll build you an updated plan so you can see it in writing first. And then if you're comfortable with that, we can go ahead and set them up.","start_word":3978,"end_word":4006,"intents":[{"intent":"Set up plans","confidence_score":0.09478022}]},{"text":"And then in twelve months' time, we'll look at maybe setting up some investments for Yeah. Yeah.","start_word":4271,"end_word":4287,"intents":[{"intent":"Set up investments","confidence_score":0.8888207}]},{"text":"I've just had my third child and look. When I got my I think I got a $3,000 refund from updating the income around tax time, and I was just like, wow. We were Yeah. overpaying that much, and it can be quite a lot. Yeah.","start_word":4369,"end_word":4414,"intents":[{"intent":"Update income","confidence_score":0.25867352}]},{"text":"The beneficiary nominations for your super and your life insurance, I just wanted to double check who you wanted that to all go Yeah.","start_word":4522,"end_word":4545,"intents":[{"intent":"Check beneficiary nominations","confidence_score":0.050127357}]}]},"sentiments":{"segments":[{"text":"Good Good morning, morning. Sandra.","start_word":0,"end_word":4,"sentiment":"positive","sentiment_score":0.4278203845024109},{"text":"It's Tommy here, senior adviser. How are you doing? Hi.","start_word":5,"end_word":14,"sentiment":"neutral","sentiment_score":0.2717090845108032},{"text":"Good. Thank you.","start_word":15,"end_word":17,"sentiment":"positive","sentiment_score":0.5576382875442505},{"text":"Yes. Did did you just call me? It just didn't ring on my phone, sir. Yeah. No. That's okay. I did try to call you and and just left a message.","start_word":18,"end_word":48,"sentiment":"neutral","sentiment_score":-0.004340201150625944},{"text":"I was actually just sending you a text message, so thank you so much for calling back.","start_word":49,"end_word":65,"sentiment":"positive","sentiment_score":0.3704506754875183},{"text":"That's okay. Now, Sandra, I've got you booked in for a little bit of a chat because you did an annual review with my colleague, Connor, and there was a few areas we were looking at for some updated advice strategies with the super and the insurances. Does that ring a bell? Yeah.","start_word":66,"end_word":118,"sentiment":"neutral","sentiment_score":0.18176032602787015},{"text":"Perfect. So I just thought I'd jump into that with you today.","start_word":119,"end_word":130,"sentiment":"positive","sentiment_score":0.35893794894218445},{"text":"I've had a bit of a review of his notes in your accounts and just had a few ideas to run by you. Uh-huh. Perfect. Now first thing to kind of tackle, nice and easy, is just in terms of the superannuation. We were looking at doing a portfolio review just because there was that one investment option that he flagged with you as a bit of a concern, the Benelon option. Mhmm. Yep. So we're looking at a a bit of an update there. Mhmm. Now Yep. Yeah. I'm happy to just sell it and not propagate it and then, yeah, just cut the losses, I guess. Yeah. So I can do a bit of a trick with that one. So if that one's gone down a bit, I can use that the the losses of it going down to offset some of the gains that you've gotten to kind of update your portfolio, and that'll kind of minimize the taxes the super pays Yeah. inside it as well. Yep. Now just to kind of guide it a little bit with, Hub twenty four, your super fund, it does have the most investment options in the industry. It's got about 1,300. Now I will make a recommendation for you with what to put in there, but I just wanted to quickly ask you your preferences. And there's no real wrong answer to this question. But if you had to choose between lower fee investments or paying a higher fee to try and get a higher return, which way does your gut feeling lean you towards? I guess it depends on the percentage, really. I think medium, probably, somewhere in the middle if it's if it's high return. And if the cost is acceptable, I guess, it's okay. I think it if it's like I don't know, actually. Yeah. Yeah.","start_word":131,"end_word":440,"sentiment":"neutral","sentiment_score":0.14477943037786792},{"text":"I think higher return is actually better if if if the cost yeah. If it's affordable.","start_word":441,"end_word":456,"sentiment":"positive","sentiment_score":0.4127177894115448},{"text":"So yeah. Yeah. Did So you guys what you're saying basically is the net return after all the fees, as long as that's good, that's the most important thing agree? to Yes. you.","start_word":457,"end_word":489,"sentiment":"neutral","sentiment_score":0.25515857338905334},{"text":"Yeah. Perfect. So I do have some options in mind that I'll kind of compare and update for you.","start_word":490,"end_word":508,"sentiment":"positive","sentiment_score":0.4110001027584076},{"text":"And then what I'll do is I'll update some projections, put it in your updated statement of advice plan, and then I can kind of show you what I'm thinking, make sure you're comfortable before I move anything around. Mhmm. That sound okay? Yep.","start_word":509,"end_word":552,"sentiment":"neutral","sentiment_score":0.24146366119384768},{"text":"Perfect.","start_word":553,"end_word":553,"sentiment":"positive","sentiment_score":0.4455966353416443},{"text":"Now just in terms of the risk level, we've got you as a growth risk profile, which is kind of like a four out of five. Not maximum risk. You're just trying to get mostly growth, but Mhmm. nothing too high risk. But you're also not wanting to go too slow with it and kind of miss out on the growth. So you're sitting at 80% in growth assets like shares, property, and gold. Does that still sound okay for you? Yeah. What's the next level up, sir? So the next level up is a high growth, and that's where we bump it up about 10% from 80 to 90.","start_word":554,"end_word":663,"sentiment":"neutral","sentiment_score":0.1040199249982834},{"text":"And we still keep a small portion in the safe side of things, get as much growth as we can.","start_word":664,"end_word":683,"sentiment":"positive","sentiment_score":0.3789883852005005},{"text":"And then when you're closer to retirement in those last seven to ten years, we can reduce it back down and and make it safer. You know, you don't wanna be 64 and lose half your super a year before you go to live on it, if that makes sense. Yeah. No. I think it is just fine.","start_word":684,"end_word":741,"sentiment":"neutral","sentiment_score":0.07047269981482933},{"text":"Perfect. So I'll keep it as a growth risk level.","start_word":742,"end_word":751,"sentiment":"positive","sentiment_score":0.4421501755714417},{"text":"I'll just switch the options around and not increase or decrease your growth assets.","start_word":752,"end_word":765,"sentiment":"neutral","sentiment_score":0.1815466731786728},{"text":"Perfect.","start_word":766,"end_word":766,"sentiment":"positive","sentiment_score":0.5806210041046143},{"text":"Now outside of that, just having a quick look at the insurance side of things because you have had your second child, and I have noted a few things that it kind of stand out to me with regard to your insurances. Now you have this ClearView policy where you've got life insurance, total disability, and income protection. So Yeah. if you pass away, if you can never work again, that's your lump sum covers where you've got 1,100,000 and 700,000. And if you're out of work for two months, then you get that temporary income protection kicks in with a Yep. monthly amount for up to five years if that rings a bell. Mhmm. Now what I can sort of see here is there's a couple of ways to do it. So based on your fact finding your assets, I've got your home here where there's no debt on the home, but you do Mhmm. have some debts on the two investment properties. Mhmm. Now when you have that situation, let's say you're in a car accident, you can't go back to work ever again, Would you live off of the rents of the investment properties? Would you sell them to pay off that debt, or would you wanna actually be insured for that? We'll probably want to insure for that because it's not paid off yet. So, technically, I won't be able to live off them. Yeah. So at the moment, probably insured for them for now just because if anything does happen, there's still money to pay them off. And then if I pay my investment off, then the money can be lift off. You can lift off the investment money then. Yeah. Yeah. Yeah.","start_word":767,"end_word":1054,"sentiment":"neutral","sentiment_score":0.02958543226122856},{"text":"So what that means perfectly for you is we had your debts combined at about 783,000, and you've got 774,000 worth of TPD cover. It covers it almost exactly. Mhmm. So at that amount, I think that one should be okay to at least clear the debts off.","start_word":1055,"end_word":1102,"sentiment":"positive","sentiment_score":0.5157949328422546},{"text":"And then in the life event, so if you were to pass away, there's another 350,000 that would come out on top of paying out those debts as well to your family. Okay. So does that sound okay for you? Yeah. Yeah. Because my current debt is yeah. I'll just have a quick look. Go for 760. Yeah. That's fine. k. So the only one that's a concern for me is the the income protection looks a little bit low. So you're basically insured for under $1,000 a week is what you would get after tax if you're out of work for two months. It's protecting an income of 67,000, but I've got your income here noted as 90,000. Yeah. So what I'm saying here is that your cover amount of 3,900 a month really should be close at about 5,250 to to cover that maximum 70% of your income for your expenses. Mhmm. So what I'll be looking at there is just a slight increase quote just to see what it would look like to top it up. The total premiums don't look too bad. So if you're comfortable, I would like to do a bit of a a quote to see what it looks like, make sure it's affordable, make sure it's not gonna take too much fees out of the super. Does that sound okay? Yep.","start_word":1103,"end_word":1331,"sentiment":"neutral","sentiment_score":0.0656527653336525},{"text":"That sounds good.","start_word":1332,"end_word":1334,"sentiment":"positive","sentiment_score":0.3970462083816528},{"text":"Okay. And just with the waiting period, so you've got a sixty day waiting period. That's how long you have to be injured or ill before the cover will kick in. Do you have enough kind of savings and leave to get you by for a month or two until that kicks Yeah. It should be okay. in. Yep. And the benefit period is five years. So what it basically means is it covers everything short and medium term. Anything more than five years, you would basically be classed as totally disabled, and your lump sum 700,000 would kick in after that. Okay. Yep. Does that sound okay? Yep.","start_word":1335,"end_word":1443,"sentiment":"neutral","sentiment_score":0.05047847549302863},{"text":"Cool.","start_word":1444,"end_word":1444,"sentiment":"positive","sentiment_score":0.4640199542045593},{"text":"Now what it basically looks like is the premiums are under 2,000 coming out of the super. When we increase it, I believe that'll jump up a little bit, but then you get a 15% tax rebate, which drops it back down again.","start_word":1445,"end_word":1487,"sentiment":"neutral","sentiment_score":0.2538960874080658},{"text":"And that should keep it pretty similar.","start_word":1488,"end_word":1494,"sentiment":"positive","sentiment_score":0.3457667827606201},{"text":"Mhmm. You've also got your contributions and, I believe, salary sacrifice possibly as well. So I just put a flag on it. If it's above 30% of your contributions, I put a flag there just to let you know it might be getting a bit expensive. But if it does hit that point down the line as you get older, we can always trim it down again as well. Yeah.","start_word":1495,"end_word":1564,"sentiment":"neutral","sentiment_score":0.03585090860724449},{"text":"Cool.","start_word":1565,"end_word":1565,"sentiment":"positive","sentiment_score":0.3956220746040344},{"text":"Just in terms of the the contributions themselves, so I've got a bit of research happening with Mercy, which merged with HESTA, and they sent us through the sort of half the information that we asked for previously. So Michelle has just been on to them again to get the extra information that we need. Mhmm. But I was wanting to just double check with you your salary sacrifice. Would you like all of that to be going to the one fund, and we can just close that down again? What would be your preference? The Hestafam. I it's just I'm not really sure. Can I have two Superfunds? Just because A yeah. You can have two. yeah. Just because I'm I'm still working with the mother. I think that's just more convenient for mother to I think mother only goes into a restaurant. Well, the strange thing that I saw was I was looking at your contribution transactions, and they're actually putting you don't have two sources of income, do you? It's just the one employer? I do have two, maybe three soon. Yeah. Source of income. Yes. Yeah. What was the other one you say? I can see summer home care. Yes. Summer Home Care is my second one. Yeah. It's I just started it recently. So Gotcha. that Now if it's easier for you, they did change the laws couple of years ago, and your their your payroll is actually allowed to pay their contributions anywhere that you choose unless there's a specific EBA, like an employment bargaining agreement that restricts you. I know some factories have that, but not so much in your space. So I Oh.","start_word":1566,"end_word":1846,"sentiment":"neutral","sentiment_score":0.08058165374387626},{"text":"believe if we did send a form through to your employer, they could actually switch it across pretty easily.","start_word":1847,"end_word":1865,"sentiment":"positive","sentiment_score":0.37384846806526184},{"text":"Because I think I think they do last time they do a a no wrong over or some sort. And then yeah. No. Because I might have EBA agreements as well. I'm not sure whether it's with Super or not with HESTA. Gotcha. Yeah. Because Okay. we do have a yearly update of EBAs for Awesome. our salary increment and working spaces. So, yeah, we do have EBA agreements in place, but we're not sure I'm not sure whether it's affecting the superfund or not. Okay. Well, while I get the research for that fund, that'll come through in a few days' time. Would you be okay to just ask your payroll if you can change them or if it's restricted and let me know? Yeah. Sure. Because I remember last time asking them Yeah. before. That's why they were saying that it's mother only pays into Hester. I think this is internally linked of some sort. But yeah. And I wouldn't wanna ask you to do this every year kinda thing, but I would've I would love it if you could just quickly ask them because they do update the EVAs, and most of them that I've been seeing, they've been removing that restriction over the years depending on departments. So if we Yeah. could just do that one last check, I'll keep that on file so we don't have to ask you again. And Yes.","start_word":1866,"end_word":2102,"sentiment":"neutral","sentiment_score":0.061615727841854095},{"text":"even if you can just flick us back a little email or or a quick call in while I'm doing the research and comparisons and quotes, I would love that just to have that on file.","start_word":2103,"end_word":2138,"sentiment":"positive","sentiment_score":0.3666743040084839},{"text":"Yep.","start_word":2139,"end_word":2139,"sentiment":"neutral","sentiment_score":0.30378153920173645},{"text":"Perfect.","start_word":2140,"end_word":2140,"sentiment":"positive","sentiment_score":0.4451236724853515},{"text":"If that is the case, we'll just do the usual rollover.","start_word":2141,"end_word":2151,"sentiment":"neutral","sentiment_score":0.20269127190113068},{"text":"That's fine.","start_word":2152,"end_word":2153,"sentiment":"positive","sentiment_score":0.40535497665405273},{"text":"And if it isn't restricted, we can get it all consolidated so you're not paying fees for two accounts. No. Sound good? No. Beautiful. So at this point, I'll get the portfolio updated. We'll do some research on the HESTA and figure out how much we're moving around. We'll do a quote for the income protection just to get that correct. And just with the salary sacrifice, do you know how much you've got set with them? Was it a percentage base of your income, or was it like a set amount? What's the set amount? Okay. Do you mind do you know how much that is off the top of your head? Like, 15,000. Because I know the salary packaging has a $15,000 limit for things like mortgages and health care Yeah. Yeah. and things like that. Are you doing salary packaging with them as well? Cool. Okay. That makes sense. Salary packaging, that makes sense because the 15 thousand's on there with the health care industry limits.","start_word":2154,"end_word":2322,"sentiment":"neutral","sentiment_score":0.060714226216077805},{"text":"That's good.","start_word":2323,"end_word":2324,"sentiment":"positive","sentiment_score":0.387873888015747},{"text":"Do you know if on your payslip that they're doing a salary sacrifice to super of, you know, $50 or 5% or something Yeah. like that? No. So it's 15 Cool. 15899.94. 89994. Alright. And I don't mean to ask too much of you, and I do apologize, but would you be able to send a payslip through to me? A pay slip. Yeah. Just so I can break down the contributions for the the projections. I I can do when we get the research, I can work it back, but it'd be nice to have that. I do have a no rate at least as well. Oh, yes. Yes. And just gonna have to find online. What's the date today? It's the September 1, actually. Okay. 05/08. Let's see. And, so, Sandra, are you working did you say the Mater Hospital in Brisbane there? Yes.","start_word":2325,"end_word":2470,"sentiment":"neutral","sentiment_score":0.01493335235863924},{"text":"What's Oh, your fantastic.","start_word":2471,"end_word":2474,"sentiment":"positive","sentiment_score":0.3464067578315735},{"text":"Email address, you could just do the main one, and that'll come through to your client profile. So it's info, I n f Yep. o,@Oakview,oakview, Mhmm. Financial, f I n a n c I a l, dot com dot a u. Mhmm. Okay. Okay. K. So if you're okay to ask the the payroll about the EBA restrictions, as soon as we get the research back from Hester, I'm gonna send you an email just letting you know that we've got it and get you booked in for the updated plan. And if you could just reply to that, what they've said about the contributions, if it's still restricted, that would be amazing. Just a quick still restricted or not. Okay.","start_word":2475,"end_word":2595,"sentiment":"neutral","sentiment_score":0.092161969089311},{"text":"Sure. You're amazing. Alrighty.","start_word":2596,"end_word":2599,"sentiment":"positive","sentiment_score":0.5119199752807617},{"text":"The other thing too, quite a few little things. So super will fix up. The insurances will fix up.","start_word":2600,"end_word":2618,"sentiment":"neutral","sentiment_score":0.16857944428920746},{"text":"That's great. I've got that under control.","start_word":2619,"end_word":2625,"sentiment":"positive","sentiment_score":0.6136230826377869},{"text":"There was a bit of a message that you might want to look at some investing for the children. Is that right? Yeah. So with the child investments, there's these things called child investment bonds where you can you can invest for the children and and grow an amount so that when they turn, like, 18, you can basically hand them, like, a tax free amount, and that can go towards education, home deposit, that kind of thing. Is that kind Mhmm. of what you're leaning towards? Yes. Cool. Now usually with those, it depends on how much you wanna invest either as a lump sum or a regular amount. Sometimes we start with, like, a a low amount and put some contributions into that regularly. Do you have Yep. any kind of figures in mind about, you know, how much savings you've got to put into something like this? Maybe maybe 50 a week or something or a 100. A 100, that would be, like, 52. 5,200 per year. That's on top of just school fee stuff. Yep. So And are you thinking maybe per child or half per each? child. Mhmm. Maybe per child, but yeah. I guess it depends on, yeah, how much, or what the current situation is. If it's gonna be be be full tax, then they can do a 100 per child. Whereas after tax, it's probably 50. Yep. Okay.","start_word":2626,"end_word":2861,"sentiment":"neutral","sentiment_score":0.05006391681351904},{"text":"So I reckon working off 50 is a good starting point.","start_word":2862,"end_word":2872,"sentiment":"positive","sentiment_score":0.5698454976081848},{"text":"And what I can do with the children, you've just had Mhmm. you've just come off maternity leave. How old will your eldest be? About four. Four.","start_word":2873,"end_word":2899,"sentiment":"neutral","sentiment_score":0.10271314531564713},{"text":"A little Perfect.","start_word":2900,"end_word":2902,"sentiment":"positive","sentiment_score":0.3919895887374878},{"text":"bit. Yeah. Because what you wanna do when you do this type of bond is you wanna hold it for at least ten years for them. Because if you Yes. if you sell it in less than ten years, then there's some taxes that come out.","start_word":2903,"end_word":2948,"sentiment":"neutral","sentiment_score":0.16767852008342743},{"text":"So once it's past the ten year mark, you're pretty good in terms of being able to transfer it to them. So, like, fourteen years is amazing.","start_word":2949,"end_word":2975,"sentiment":"positive","sentiment_score":0.5045572519302368},{"text":"Yes. And then we've got the other child there. So what I would like to do last quick question is how much do you actually have in savings at the moment? Do you have a pool of, like, an emergency fund that you've got built up already, or are you still building one up? Kinda still building one up. I just because I've refinanced, and there's a a lump of money that I do have saved up for school fees next Yeah. year. Yep. So yeah. So that's kinda untouchable. Yeah. Absolutely. Yeah. So we don't normally start them with less than, say, 2 to 5,000 per account. So what I was thinking is if you're comfortable, let's just do a bit of savings for six to twelve months, get that emergency fund built up because we don't wanna lock it away in case something happens and something goes wrong and you need some funds. And then once you've built up that savings for six to twelve months, maybe we can look at starting a couple of those accounts next year, maybe like a 2,000 minimum and $50 a week, and we can kind of start that going then. Does that sound a bit better for you? Yeah. Yes. Do you know how how much the the save like, the what's the return rate? Like, how many percent per year? Yeah.","start_word":2976,"end_word":3206,"sentiment":"neutral","sentiment_score":0.11680935458703474},{"text":"So with the returns, the bonds act similar to hub 24 that we can build you investments in a portfolio when choose the risk level.","start_word":3207,"end_word":3231,"sentiment":"positive","sentiment_score":0.38408321142196655},{"text":"So if you wanted to go for fourteen years, for example, we could do, like, a growth or a high growth similar to your super and try and get those nine, ten, 11% growth returns. Okay. Nine, ten, 11. Yep.","start_word":3232,"end_word":3271,"sentiment":"neutral","sentiment_score":0.28778275847435},{"text":"Cool. Yep.","start_word":3272,"end_word":3273,"sentiment":"positive","sentiment_score":0.4950970709323883},{"text":"I just don't wanna deplete your savings right now for that. If, you know, step one is always making sure you've got an emergency fund first, and then once you've got enough set aside, we can set up a couple of those accounts. Okay. And I would go through that risk discussion with you and kind of show you what we build because inside those bonds, it's got similar investments available, not as many. So we would do something similar to what you've got inside your super. Mhmm. So so do you so I so I have to do the savings by myself. Is it is it is it possible to take it out of super, Or is it like a super contribution? Can I just do an additional, like, $200 into super and super can get the money from there to save up for their bond? No. Once you put it in the super, they lock it away until you're 60, so we wouldn't be able to put it into a child investment bond. You'd Okay. have to pull it up into a savings account first. Okay. So, like, a saving account of my my bank account. Is that so I'm just Yeah. trying Pretty much. Whether it's your own main savings account or a separate account, it doesn't have to be in their name to start with. And what I'm thinking is if you do $50 a week, that's 2,600 straight away. And if we can do that for twelve months, you pretty much have enough there to open up one of those accounts. Okay. So So I wanted to set you a bit of a a savings goal. If you can put aside $50 minimum a week for each of them and build up that kind of 5,200, then in twelve months' time, I can use that as a starting point, build you a plan, build you a portfolio, and we can open those accounts and get it going a bit faster. Okay. That sound okay for you, Sandra? Yeah. Yeah. Yeah.","start_word":3274,"end_word":3618,"sentiment":"neutral","sentiment_score":0.175268902035727},{"text":"Sounds okay. Amazing. I'll just add it as a goal for now, and that's something that I can check with you at the next review, whether it's myself or Connor. But, look, that'll be amazing. Like, I've I'll give you a bit of an idea here just for future reference.","start_word":3619,"end_word":3668,"sentiment":"positive","sentiment_score":0.53029865026474},{"text":"So, usually, the the sort of setup fee is about 350. So let's say you've got 2,600 there per child, Mhmm. and you put in 2,250 with $50 a week. I'm just doing a quick projection for you, and we'll go fourteen years at that sort of 10% return. You would've put in $36,000, but it would be worth around 85,000 to pass over to your eldest child when they turn 18. Mhmm. And what what are the chances if I want to do them both actually into one account? And then so it saves me 350 of management fees in it to set up the fee. Oh, yeah.","start_word":3669,"end_word":3777,"sentiment":"neutral","sentiment_score":0.1875654011964798},{"text":"That's a good idea.","start_word":3778,"end_word":3781,"sentiment":"positive","sentiment_score":0.5774505138397217},{"text":"Unfortunately, the account has to be linked to the beneficiary that gets it at the end of the day, so you couldn't do the the one account. Otherwise, it would just go to the one one person. Okay. Yeah. But we don't we don't charge any, like, advice fees to look after those. So what we do is we just set it up. You put your $50 in, and then we can review it as part of your super review. If we need to update the investments, we can do that basically for free for you. And if you wanna increase or decrease your contributions, you can do that as well. Okay. So 36,000, and I'll get 85,000. Okay. Yeah. Yep. That's just a bit of a conservative estimate. And then your other chart, if you go a couple extra years, you know, it'll be closer to that $100,000 mark. Mhmm. Yep.","start_word":3782,"end_word":3933,"sentiment":"neutral","sentiment_score":0.10999907219880506},{"text":"Cool.","start_word":3934,"end_word":3934,"sentiment":"positive","sentiment_score":0.5186818242073059},{"text":"And then so that's about yeah.","start_word":3935,"end_word":3940,"sentiment":"neutral","sentiment_score":0.27542659640312195},{"text":"Cool. That's good to know.","start_word":3941,"end_word":3945,"sentiment":"positive","sentiment_score":0.7727227807044983},{"text":"And And we'll, again, just save for for twelve months and and get that built up, and then we'll have another discussion. I'll run through in a bit more detail with you. I'll build you an updated plan so you can see it in writing first. And then if you're comfortable with that, we can go ahead and set them up. Yeah. Because I'm just thinking if I wanted to wait another year. I do maybe have 2,000 spare to start up one account first. I think my daughter can wait another year Yeah. If I could start my son one first. Because I'll be what's the beginning of the year? Month. Yeah. So do I just transfer the fund to someone? Or So what'll happen is when we do any type of advice, we put together the the statement of advice document to show you what we think you should do. Once you sign off on that, we would do an application. Like, when you opened up your super account, we would actually do an application to open that account, and then we can work on actually depositing the funds. Okay. Yep. Okay.","start_word":3946,"end_word":4139,"sentiment":"neutral","sentiment_score":0.12140455096960068},{"text":"That'll be great. It's it's okay.","start_word":4140,"end_word":4145,"sentiment":"positive","sentiment_score":0.42747750878334045},{"text":"Maybe we'll start it next year then. Yep. Okay. Yep.","start_word":4146,"end_word":4155,"sentiment":"neutral","sentiment_score":0.18418529629707336},{"text":"Cool. Easy done.","start_word":4156,"end_word":4158,"sentiment":"positive","sentiment_score":0.47548404335975647},{"text":"So at the moment, portfolio fix up for the hub 24. We will look at the quote for the income protection, and then I will just work with you to see if we can either fully close down HESTA and move the contributions or just keep it going if there's an EBA. And your salary sacrifice, you're just okay to keep that going at the current rate. Yes. Yeah. The lower sacrifice at the current rate.","start_word":4159,"end_word":4234,"sentiment":"neutral","sentiment_score":0.10906282812356947},{"text":"Yes. Perfect.","start_word":4235,"end_word":4236,"sentiment":"positive","sentiment_score":0.4807610511779785},{"text":"Yep. And then for the children, I've just added there a goal to set aside $50 a week to save for their their sort of future education and home deposit and so on. And then in twelve months' time, we'll look at maybe setting up some investments for Yeah. Yeah. It's just because, currently, my childcare subsidy yeah.","start_word":4237,"end_word":4294,"sentiment":"neutral","sentiment_score":0.15272666038624172},{"text":"Wouldn't be able to take that much money out.","start_word":4295,"end_word":4303,"sentiment":"negative","sentiment_score":-0.35614797472953796},{"text":"them. Yeah. Yeah. Gotcha. Centrelink subsidy hasn't come approved yet, so I've been paying $800 per week for childcare.","start_word":4304,"end_word":4322,"sentiment":"neutral","sentiment_score":-0.07608488202095032},{"text":"Oh, that's fun.","start_word":4323,"end_word":4325,"sentiment":"positive","sentiment_score":0.4007185697555542},{"text":"That's oh, Yeah. they do charge a lot, don't they? And then I'm assuming you'll get a bit of a refund as well. Yeah. Yeah. Hopefully, soon. It's been over almost three and a half weeks four weeks now. Yep. Oh, no, Sandra. I've just had my third child and look. When I got my I think I got a $3,000 refund from updating the income around tax time, and I was just like, wow. We were Yeah.","start_word":4326,"end_word":4403,"sentiment":"neutral","sentiment_score":-0.03326576575636864},{"text":"overpaying that much, and it can be quite a lot.","start_word":4404,"end_word":4413,"sentiment":"negative","sentiment_score":-0.41569072008132935},{"text":"Yeah. And, yeah, this this the thing is I don't know if I'm gonna get my money back because, she's going to childcare four days a week now. And then Yep. and then the center link thingy, I don't know why they go through. It'll need time for it to be assessed and payment balancing and waiting confirmation information or whatever. So yeah. A bit No fun. yeah. A bit all over the place. Fair enough. Alright, Sandra. Was there anything else that I can help you with in this round of strategy updates? No. I'm good now. Oh, actually, there was one last thing. I do apologize. The beneficiary nominations for your super and your life insurance, I just wanted to double check who you wanted that to all go Yeah. I'm not sure to. Okay. I'll send you out some blank forms. And if you yet. have some ideas on who you'd like or any questions, when you get the forms, please just call in. I'll walk you through it in two minutes flat. Okay. Sure.","start_word":4414,"end_word":4591,"sentiment":"neutral","sentiment_score":-0.04728900268673897},{"text":"Perfect.","start_word":4592,"end_word":4592,"sentiment":"positive","sentiment_score":0.4933652579784394},{"text":"Alrighty. So I'll put this together. It will take me a couple of weeks just to get all of the research from Hester, the insurer, and the comparisons for the portfolio, and then I'll get Michelle to give you a call, book you in with me, and I'll run through the updated plan, get your permission first. Yes. If you could send me an email in regards to the HESTA, that would be great because I know what I'm gonna tell them about That'd be awesome as Yeah.","start_word":4593,"end_word":4680,"sentiment":"neutral","sentiment_score":0.180771929635243},{"text":"Yep. I'll do that well. Okay. Great. Thank you for straight away. Amazing, Sandra. Thank you so much for your time today, and I will talk to you again soon. okay. Thank you. Amazing. Have a great day. Bye.","start_word":4681,"end_word":4719,"sentiment":"positive","sentiment_score":0.6759803891181946},{"text":"Bye.","start_word":4720,"end_word":4720,"sentiment":"neutral","sentiment_score":0.3062790632247925}],"average":{"sentiment":"neutral","sentiment_score":0.12803134032447272}}}}