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What about your end? Glad to hear. We're just on the cusp of winter. Oh, that's a good one. I'm just giving you a call to go through your annual review. Is now still a good time? Fantastic. So I've got a bit of a pack I'm gonna send out to you. Before I do that, are you okay for me just to go through a quick security check with you? Amazing. So these calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Sensational. Now with this pack that I'm sending out, Paula, I've got your BigPond address there. Will you be able to look on to those emails with me today? Cool. So I'll send that out. No rush in grabbing that up. There's a few housekeeping items to go through first, but I'll get that shot through now. And there'll be a number of attachments on the email as well as a bit of a link to peruse the documents as well. Paula, is there anything in particular that you're hoping to get out of this year's review? Yep. Yep. Fantastic. Okay. So I'll go through those two with you. Now just before I jump into that, I'm pulling open your insurance certificate, which I've also emailed through as well so we can kind of look on that together. But I'm just gonna double check a few details that we had on file. So no change to your email address or phone number. Residential and postal address is still the same. I'm just gonna run through a couple of quick details. Just let me know if any of these have changed. So we have your husband listed as Craig with no dependents. We have you kind of step back into the less managerial admin role on about 45,000 with aged care GP. Is that correct? Okay. Do you mind if I grab some details for that? That's okay. What I'm looking for is just kind of like occupation title, your employer income, and I can note that down. APNA. Administration leave. Cool. I'm assuming it's full time hours. Hopefully, not too much overtime. Okay. Amazing. Four days of working from home. Love that. That's okay. Those things can be tricky, hidden in all kinds of different HR systems and email, different title. The old employment here. I know the one. And I'm just updating a few things on our system while you do that, so no rush at all. Congratulations. That's okay. While you're doing that, do you mind if I just ask you a couple of questions on the assets as well? We had the main property listed at a value of 1,200,000 owing about 300,000. Has that changed a lot? K. We still had, I think, three cars and a boat in terms of vehicles. Oh, nice. Caravan. That's beautiful. Do you mind if I just grab like, do you have anything owing on the caravan? Did you purchase that via a loan? Cool. And what would the the resale value of that be approximately? Just a rough figure. Amazing. Did that leave you with any kind of emergency fund cash savings left over still, or is that kind of depleted? Yep. K. K. Do you mind if I note down a bit of an estimate in terms of just liquid cash for emergency rainy day funds? Yep. 25. Thank you. And I'm assuming you guys have never gone through any kind of bankruptcy or debt agreements before? Thank you. And just besides the income, the last question I had was in terms of estate planning. You were kind of working on getting a bit of a will put in place. Just wondering if you manage to get that sorted. In the process now. Amazing. Just while you're doing that, I'm having a quick look at your life insurance policy as well. How's the old two factor authentication going there, Paula? No. That's fair enough. 60 thousand. It's a decent estimate there. I'll work off that for the time being. And what I might do too, I'll also just I'll double check your contributions and do a bit of a workback calculation just to see how close the market is, so that's no worries at all. One thing I wanna do is quickly check-in terms of the new income. Is do you have a a different surplus cash flow that you're setting aside, like, on a regular basis now? Yeah. Yeah. Yeah. So the consistent regular amounts are a bit difficult because, obviously, his income fluctuates quite a bit. Yep. Perfect. While I've got this information up in front of me, so you asked about both the insurances and also a possible second super fund. I'm having a little bit of a look here, which may give me a bit of an idea. Can I just start with the the second super fund kind of side? Do you know if did you get any kind of email notifications from okay. K. So what I'm wondering National Mutual Retirement Fund. Now did Netwealth send you information about this account, or did National Mutual? Okay. Do you have any kind of email or letter that you could possibly forward through to me? So just let me know when you're ready, and I'll tell you my email address, and then I'll get that saved on file. I have a bit of a feeling I know what this one is. I'll confirm it with you. I think we have. And when I look up National Mutual Retirement Fund, it actually lists your insurance company resolution life. And I know that any superannuation policy usually has, like, a almost kind of like a a fake super fund behind it to actually receive the premiums for the life insurance. So it may actually be that one that's being listed because that's coming out of the Netwealth via, like, an enduring rollover once per year, including in the July 16 is the next premium due date. So it could be that one. Fantastic. That works too. And there's also heaps of different ways we can look at it too because there's the my gov will show you any active funds. And usually, if this is what I'm thinking, it'll come up in, like, a zero balance account on myGov. You've got the emails there. You can also even just forward that photo later on after the call. That's okay. Yeah. And that would be That's okay because you'll be coming up to your anniversary, and, normally, you'll get a notice from that as well. Yep. Please, that'd be great. And that will be 99% chance that is your insurance policy because that's the anniversary date. Would you like my email address? K. So it's Tommy, t o, m m, y. And this one's a bit of a mouthful, but it's at Oakview Financial. And then dot com dot a u. And just let me know once you've hit the old send on that one, and I'll give it a couple of minutes. Cool. So while I'm waiting for that to come through and we're on the topic of the policy, so you were talking about a bit of a reduction on the life insurance. So Alright. Yep. Yep. Pay off the mortgage and look after the kids, take time off, all that kind of thing. Oh, no. Yeah. It's 830,000 and '20 5 dollars. Yep. Yeah. And the new premium that's coming out, that's jumped up to 2,747, and you get a 15% rebate off of that, which drops it to the low 2 thousands. But then the year afterwards, that's gonna be straight over $3 and approaching 4,000 pretty quickly. As soon as you hit the sixties, that will go $5.07, 9, 12. Like, that's going to skyrocket over the next seven years. So well, number one, it's gonna have to be a constant trim down game because, like, what is it actually protecting you for? You've got a mortgage of 300,000. That leaves you half 1,000,000 plus your super, so 600 thousand left over. Is that even too high now, or is that something where it's okay for the next twelve months, but then next year, we should drop a couple 100,000 off? K. What would be a good net figure? 700. Yeah. So what that will pretty much do is pay off the mortgage and leave you half a mill left over, and that just chops off a 130,000. So let me just do a quick little calculation on that with the $8.30, 15% off. Yeah. So that will drop it down to just under 2,000 in the premiums. It'd be more like $18.50 approximately. What I'll do is I will get a alteration decrease quote for 700 flat so you know exactly what it's gonna be. And I'll put together just a little bit of an updated plan for you so you can see the yeah. Yep. That's enduring rollover that comes out once per year. Yeah. There are, like, platform policies that do monthly, but then they jump it up an extra 10 to 12 percent. So doesn't work out as fun. Live. Now in terms of your super itself, so I'll go into the portfolio in a moment there. But I'm just wondering in terms of contributions. I'm gonna base your updated plan off of the 60,000 and the 12% off of that. Are you doing any salary sacrifice, or is that entering anything in the next two years or so? Oh, that's amazing. Yep. So really good situation for you then is I know that most salary packaging programs max out at about 15,000, and that happens to be the exact amount that you were over the 32% tax bracket. So everything over 45,000 is 32%. So anytime you do the salary packaging or salary sacrifice, you're getting that maximum hit for the first 15,000 that you're deducted. So what I would do contribution wise is I would obviously meet with them and figure out salary packaging benefits first. And then when you hit 60, you can do a transition to retirement contribution strategy. Have you heard of that before? Yep. So getting close to that point where you can access a portion of your super after 60. And if you don't need the funds to partially retire, we can pull it out and put it back in again as a tax deductible contribution, and the tax difference just boosts up your super a little bit. So it's like a thousand out, thousand back in, 200 in there extra. So if it's okay with you, I'm gonna put in, in terms of priorities, that we do the salary packaging first. And then at the next review, we're gonna kind of preplan your 60 strategy. That way we can have it in place for that financial year when you turn 60. I don't mean to, but it's exciting for me. And, look, for me, I just get excited because there's so many extra strategies we can do to boost things up for you and, you know, look on the bright side. I'll be there to give you the silver linings. Outside of that, I wanted to just quickly touch base on your portfolio in the super. So if you haven't been watching your account lately, the stock market's gone quite wild since Christmas, up and down like a bit of a roller coaster ride. Now two things I wanted to touch on. First of all, you're in a growth risk profile, which is that kind of 80% growth assets, shares, property, and gold. So it's a four out of five on the risk scale. Usually recommended if you have at least eight years to retirement for being able to get that growth. Now I know that we're trying to focus really heavily on growing the capital at the moment, but at some point, we have to talk about reducing your risk level down a little bit. So what I wanted to kind of ask you is if you're still okay with I'll give you a bit of an example. So you're at $97,002.40 as of today. And what could easily happen in a growth portfolio is that in six months' time, it could be sitting at 84,000. And then twelve months after that, you're sitting at a 115,000. That's kind of the volatility that you would expect. And then as you get closer and closer to retirement, maybe every one or two years, we would generally be slowly reducing your risk level down. So instead of 80%, we would go seventy, sixty, fifty, forty, and there's your pension account for, like, '60 $5.67. Are you okay with that general plan even though it's gonna be a bit up and down this year? Yeah. If we dropped it one category, it changes your fluctuations from, say, 15% up and down to maybe nine to 12% up and down. But what we miss out on is any kind of average that extra growth. So I'll give you a bit of an example in, like, a a worst case scenario. So let's say we go growth fund for the next nine years, and I'm just gonna put in your work contributions for the moment and chop off the super tax off of that. Six one two o. Okay. So let's say that you ended up with annually. Okay. So let's say you ended up somewhere between 250 to 300,000 by retirement. If we bump that down to a balance fund, you kind of go from about $2.20 to $2.75. So for every risk level we go down, you're probably giving up potentially 25 to 50,000. Now what would generally happen? So if we did continue the course with this current plan, if the market dropped this year, we would be using it as a bit of a buying opportunity to buy some shares and property at a cheaper price so that when the market goes back up, you can get a nice double digit return. And then we reduce the risk level down twelve months from now. And then a year or two later, we do the same thing, and we go from there. Yep. Yep. And that's the, I guess, the conventional wisdom, which does work out really well over an average period of time, seven to nine years. We just need to be very conscious that the timing of market crashes tends to happen every seven years or so. So this may sound like a bit of a double edged sword, but it would be better for you for the market to crash this year and then get six solid years of growth than for it to happen a year before retirement. K? If we manage to get another double digit return over the next twelve months and the market hasn't crashed, I will probably be calling you up straight away saying let's reduce it down now and take some of the winners. Yeah. K? The only other flip side is if the market crash happens towards the end of the year and I call you up and we're still down a little bit, it'll be another twelve month wait to get the growth and then pair it down. So Cool. I'll be pretty well joining on the spot every twelve months with you to make sure that we we adjust that as necessary just to get the the growth that we need and then at the right times reduce the risk. K? The other thing is you had about eight different investment options, which you'll see in the report that we sent you. Seven out of eight of them had fantastic returns of anywhere between 540% depending on the gold and the shares and things like that. You did have one option, which was the Australian shares in Bennelong, which was diving quite quickly, and it dropped about 17%. So it was the only kind of really negative option in the whole portfolio. The two things I wanted to mention is that you're still positive for the year just even though market's been crazy, but we already made a change to your portfolio a few months ago. I don't know if you remember getting a record of advice email. So, normally, what would happen is if I do a review with you and there's one option that's not doing its thing, we would discuss whether we just kind of give it time to bounce back or do a bit of a tune up and switch out the option. However, in this case, because of how fast it was causing issues, the licensee made a decision in the investment committee across all clients to divest out of that and go to a safer passive option, lower fees, better returns across the whole client base. So what I can basically see is that all the options that you've got combined together actually look really good. It's just that there was one bad apple and we've already jumped on it. That's not normally the process, but we just had to make a decision and nip it in the bud quickly. Cool. So, yeah, it worked out very well because that's now jumped up positive, and you're in this fantastic option. So really good move, but it's normally, we would go through this full review, discuss it. You would read it first, sign off. K? So at the moment, I'll do a bit of a trim down on the insurances, let the portfolio go for twelve months, and then discuss a risk level change and a bit of a transition contribution strategy once you've talked about the salary packaging. Okay? The only other thing that I wanted to check well, before I move on, do you have any questions so far? If you do, that's always lovely, but we will capture it at the next review. That'll be one of the questions that I ask. Okay? When it comes to the estate planning kind of thing, do you know if you are putting in place a power of attorney as well as the will? Perfect. Alright. So I'm just gonna make a quick note that both of those are in progress. And the last thing I want to check was just in terms of beneficiaries, but I'm assuming that you're still just wanting to make sure Craig is listed on the life insurance and the super. Cool. Alright. I'll double check those details straight after the call, and I'll send you a message if there's anything I missed, but I believe those have all been put in place. Okay. Perfect. Nothing too messy. That's what we like to hear. There's a bit too much of that going on in the world. That's wonderful. That doesn't happen often. So you're hoping to pass on that peace of mind down the line? Yeah. That's amazing. You wouldn't believe how many people I talked to where they're like, not bugger them. They can figure it out. And I'm like, oh, really? Just just spend one afternoon sorting it for them, please. Paula, I did you have to fly across to go through all of their boxes? I can picture that everyone's sitting there with a coffee just trolling through paperwork going, what's this one? This one's gonna stay on it. This looks important. Dear. Well, I'm glad you're sorting that out. I wanted to just quickly check with you as well just in terms of goals. We had quite a few different goals listed since you came on board. Did you end up going on holiday to England? Fantastic. So that one's achieved. Nine weeks. Wow. K. We you were gonna look at maybe an investment property. Is that on the cards, off the cards? K. So that's good for the traveling, and we'll just kind of can the property side of things at the moment. Yep. And then outside of that, we still wanna just wanna make sure I think we've got you listed at age 67 for retirement and a bit of a combination with Craig where, let's say, you've got, hopefully, the mortgage paid down as much as possible, and then you'll kind of contribute about 500 a week in today's dollars after tax, and then his will kind of take over the rest. Nation with partner and mortgage off. That'll be the main thing. Outside of that, you were doing some renovating. I think that was initially did you end up finalizing all the renovating? Yep. That's a bit of a twelve month thing. And are you still looking at at some point downsizing, or is that with just a bit of a Yeah. Yeah. And that'll be a nice little way to cap things off because we'll do a few little things here to kind of boost up the super, and you'll be focusing on the mortgage. And then once you go if you do do a downsize, the debt goes, the super is prepared in a pension. You've got somewhere that's a bit more practical for the retirement side of things. It just kinda ticks about three different boxes for you, and it's usually a pretty good move. Yep. Yeah. Is he at a similar age to yourself? Older, younger? 62. K. That's right. So continue on for ten years plus and just keep going kind of thing. Yeah. So what I might do if you want, we can do a bit of a complimentary review just to see if there is anything that we can kind of alter in preparation for retirement. It's usually a bit of a two step where we review and restructure possibly, and then it's all just strategies in terms of contributions and risk level as you transition across. Yep. Well, I'll give you a moment to kind of obviously have that chat with him, and then I'll get the girls to kind of reach out and see if they can book a time to see if he'll go through that research with us so that we can at least see if there is anything we can do to help. Alrighty. Outside of that, do you have any other questions for me before I kind of cap off the review? K. So when it comes to the review at the moment, I was wanting to kind of line up your next review possibly in twelve months' time to go over, obviously, the updated contribution, salary packaging, and pre retirement planning. Are you okay for a twelve month catch up frequency? Would you like me to schedule in, like, six months, quarterly, anything more frequent? Yeah. Just reach out. We can always book in an ad hoc consultation at any point, especially if there's been any significant change or or anything that you need to change. So with the the documents that I've sent through to you in the annual review pack, it does include an updated service agreement with financial services guide with our updated licensing information. So just so that you've got that in the back of your mind, we've got the fees are still 1.65%, and then that's split into the little monthly payments. And your Superfund claims a 15% tax rebate on all expenses as well. If you do recommend Cray to receive advice as well, we do offer partnership discounts to 1.1%, which would drop a bit of that off too. K? Now have you ever used our new Odoo sign system before? K. So the quick reminder I'll give you for navigating it is the attachments at the bottom of the email are just normal email PDF attachments. The actual sign link will ask you to consent first through electronic signature, then it'll open up the documents for you to scroll through and read. When you're ready to sign them, you just click the purple buttons to bring you to the signature spot. It'll automatically stamp a signature and date on. But if you wanna draw your signature to match your license, you can just click on it, and there'll be a pop up to let you draw it. Okay. Perfect. Alright. Pull up. Yes. I did send it through to your BigPond. Did you end up getting that at the start of the call? It should come up with a Oakview Financial signature request and your review pack with your name on it. Sometimes it goes to the old spam box, sometimes the main inbox for the first one. There we go. Oh, that's Yeah. Now, Paula, while you're going through that, I just wanted to ask you in terms of our next catch up for the insurance reduction. Do you have a lot of availability towards the end of June or the first week of July? Would it be pretty easy to schedule in a time with you, or is there a period that's no good? Mondays are a good day. Because what I'm gonna do is my team's just gonna do that reduction quote in between now and then. I'm actually about to go on some brief paternity leave. My third child is on the way, mid June. Thank you. Thank you. So what I'll do be doing is they'll put the plan together and the reduction in between. And then as soon as I get back to the office towards the third week of June, I'm just gonna get you booked in to quickly go through that before your anniversary date for the premiums. Worst case scenario, if that does come out just before we reduce it, they will still give you a pro rata refund. So if it's two days into the new year, they'll refund, you know, 99.8% of it back as long as we get it all done before your next birthday, which impacts pricing, which is October. So that's perfect. Alright. I'm just gonna say Monday's preferable and end of June, early July. Perfect. Any other questions for me, Paula, before I let you go? I love it. Thank you so much for spending the time with me this morning. Thank you so much. I caught the second one. He is hoping I don't with the third. Alright. See you later, Paula. 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from Oakview annual review. Good morning, Paul. It's Thomas here, senior adviser from. How are you going today? I'm doing fantastic.\n\nIt's a bright, beautiful day on the Gold Coast. What about your end? Glad to hear. We're just on the cusp of winter. Oh, that's a good one.\n\nI'm just giving you a call to go through your annual review. Is now still a good time? Fantastic. So I've got a bit of a pack I'm gonna send out to you. Before I do that, are you okay for me just to go through a quick security check with you?\n\nAmazing. So these calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and address? Sensational.\n\nNow with this pack that I'm sending out, Paula, I've got your BigPond address there. Will you be able to look on to those emails with me today? Cool. So I'll send that out. No rush in grabbing that up.\n\nThere's a few housekeeping items to go through first, but I'll get that shot through now. And there'll be a number of attachments on the email as well as a bit of a link to peruse the documents as well. Paula, is there anything in particular that you're hoping to get out of this year's review? Yep. Yep.\n\nFantastic. Okay. So I'll go through those two with you. Now just before I jump into that, I'm pulling open your insurance certificate, which I've also emailed through as well so we can kind of look on that together. But I'm just gonna double check a few details that we had on file.\n\nSo no change to your email address or phone number. Residential and postal address is still the same. I'm just gonna run through a couple of quick details. Just let me know if any of these have changed. So we have your husband listed as Craig with no dependents.\n\nWe have you kind of step back into the less managerial admin role on about 45,000 with aged care GP. Is that correct? Okay. Do you mind if I grab some details for that? That's okay.\n\nWhat I'm looking for is just kind of like occupation title, your employer income, and I can note that down. APNA. Administration leave. Cool. I'm assuming it's full time hours.\n\nHopefully, not too much overtime. Okay. Amazing. Four days of working from home. Love that.\n\nThat's okay. Those things can be tricky, hidden in all kinds of different HR systems and email, different title. The old employment here. I know the one. And I'm just updating a few things on our system while you do that, so no rush at all.\n\nCongratulations. That's okay. While you're doing that, do you mind if I just ask you a couple of questions on the assets as well? We had the main property listed at a value of 1,200,000 owing about 300,000. Has that changed a lot?\n\nK. We still had, I think, three cars and a boat in terms of vehicles. Oh, nice. Caravan. That's beautiful.\n\nDo you mind if I just grab like, do you have anything owing on the caravan? Did you purchase that via a loan? Cool. And what would the the resale value of that be approximately? Just a rough figure.\n\nAmazing. Did that leave you with any kind of emergency fund cash savings left over still, or is that kind of depleted? Yep. K. K.\n\nDo you mind if I note down a bit of an estimate in terms of just liquid cash for emergency rainy day funds? Yep. 25. Thank you. And I'm assuming you guys have never gone through any kind of bankruptcy or debt agreements before?\n\nThank you. And just besides the income, the last question I had was in terms of estate planning. You were kind of working on getting a bit of a will put in place. Just wondering if you manage to get that sorted. In the process now.\n\nAmazing. Just while you're doing that, I'm having a quick look at your life insurance policy as well. How's the old two factor authentication going there, Paula? No. That's fair enough.\n\n60 thousand. It's a decent estimate there. I'll work off that for the time being. And what I might do too, I'll also just I'll double check your contributions and do a bit of a workback calculation just to see how close the market is, so that's no worries at all. One thing I wanna do is quickly check-in terms of the new income.\n\nIs do you have a a different surplus cash flow that you're setting aside, like, on a regular basis now? Yeah. Yeah. Yeah. So the consistent regular amounts are a bit difficult because, obviously, his income fluctuates quite a bit.\n\nYep. Perfect. While I've got this information up in front of me, so you asked about both the insurances and also a possible second super fund. I'm having a little bit of a look here, which may give me a bit of an idea. Can I just start with the the second super fund kind of side?\n\nDo you know if did you get any kind of email notifications from okay. K. So what I'm wondering National Mutual Retirement Fund. Now did Netwealth send you information about this account, or did National Mutual? Okay.\n\nDo you have any kind of email or letter that you could possibly forward through to me? So just let me know when you're ready, and I'll tell you my email address, and then I'll get that saved on file. I have a bit of a feeling I know what this one is. I'll confirm it with you. I think we have.\n\nAnd when I look up National Mutual Retirement Fund, it actually lists your insurance company resolution life. And I know that any superannuation policy usually has, like, a almost kind of like a a fake super fund behind it to actually receive the premiums for the life insurance. So it may actually be that one that's being listed because that's coming out of the Netwealth via, like, an enduring rollover once per year, including in the July 16 is the next premium due date. So it could be that one. Fantastic.\n\nThat works too. And there's also heaps of different ways we can look at it too because there's the my gov will show you any active funds. And usually, if this is what I'm thinking, it'll come up in, like, a zero balance account on myGov. You've got the emails there. You can also even just forward that photo later on after the call.\n\nThat's okay. Yeah. And that would be That's okay because you'll be coming up to your anniversary, and, normally, you'll get a notice from that as well. Yep. Please, that'd be great.\n\nAnd that will be 99% chance that is your insurance policy because that's the anniversary date. Would you like my email address? K. So it's Tommy, t o, m m, y. And this one's a bit of a mouthful, but it's at Oakview Financial.\n\nAnd then dot com dot a u. And just let me know once you've hit the old send on that one, and I'll give it a couple of minutes. Cool. So while I'm waiting for that to come through and we're on the topic of the policy, so you were talking about a bit of a reduction on the life insurance. So Alright.\n\nYep. Yep. Pay off the mortgage and look after the kids, take time off, all that kind of thing. Oh, no. Yeah.\n\nIt's 830,000 and '20 5 dollars. Yep. Yeah. And the new premium that's coming out, that's jumped up to 2,747, and you get a 15% rebate off of that, which drops it to the low 2 thousands. But then the year afterwards, that's gonna be straight over $3 and approaching 4,000 pretty quickly.\n\nAs soon as you hit the sixties, that will go $5.07, 9, 12. Like, that's going to skyrocket over the next seven years. So well, number one, it's gonna have to be a constant trim down game because, like, what is it actually protecting you for? You've got a mortgage of 300,000. That leaves you half 1,000,000 plus your super, so 600 thousand left over.\n\nIs that even too high now, or is that something where it's okay for the next twelve months, but then next year, we should drop a couple 100,000 off? K. What would be a good net figure? 700. Yeah.\n\nSo what that will pretty much do is pay off the mortgage and leave you half a mill left over, and that just chops off a 130,000. So let me just do a quick little calculation on that with the $8.30, 15% off. Yeah. So that will drop it down to just under 2,000 in the premiums. It'd be more like $18.50 approximately.\n\nWhat I'll do is I will get a alteration decrease quote for 700 flat so you know exactly what it's gonna be. And I'll put together just a little bit of an updated plan for you so you can see the yeah. Yep. That's enduring rollover that comes out once per year. Yeah.\n\nThere are, like, platform policies that do monthly, but then they jump it up an extra 10 to 12 percent. So doesn't work out as fun. Live. Now in terms of your super itself, so I'll go into the portfolio in a moment there. But I'm just wondering in terms of contributions.\n\nI'm gonna base your updated plan off of the 60,000 and the 12% off of that. Are you doing any salary sacrifice, or is that entering anything in the next two years or so? Oh, that's amazing. Yep. So really good situation for you then is I know that most salary packaging programs max out at about 15,000, and that happens to be the exact amount that you were over the 32% tax bracket.\n\nSo everything over 45,000 is 32%. So anytime you do the salary packaging or salary sacrifice, you're getting that maximum hit for the first 15,000 that you're deducted. So what I would do contribution wise is I would obviously meet with them and figure out salary packaging benefits first. And then when you hit 60, you can do a transition to retirement contribution strategy. Have you heard of that before?\n\nYep. So getting close to that point where you can access a portion of your super after 60. And if you don't need the funds to partially retire, we can pull it out and put it back in again as a tax deductible contribution, and the tax difference just boosts up your super a little bit. So it's like a thousand out, thousand back in, 200 in there extra. So if it's okay with you, I'm gonna put in, in terms of priorities, that we do the salary packaging first.\n\nAnd then at the next review, we're gonna kind of preplan your 60 strategy. That way we can have it in place for that financial year when you turn 60. I don't mean to, but it's exciting for me. And, look, for me, I just get excited because there's so many extra strategies we can do to boost things up for you and, you know, look on the bright side. I'll be there to give you the silver linings.\n\nOutside of that, I wanted to just quickly touch base on your portfolio in the super. So if you haven't been watching your account lately, the stock market's gone quite wild since Christmas, up and down like a bit of a roller coaster ride. Now two things I wanted to touch on. First of all, you're in a growth risk profile, which is that kind of 80% growth assets, shares, property, and gold. So it's a four out of five on the risk scale.\n\nUsually recommended if you have at least eight years to retirement for being able to get that growth. Now I know that we're trying to focus really heavily on growing the capital at the moment, but at some point, we have to talk about reducing your risk level down a little bit. So what I wanted to kind of ask you is if you're still okay with I'll give you a bit of an example. So you're at $97,002.40 as of today. And what could easily happen in a growth portfolio is that in six months' time, it could be sitting at 84,000.\n\nAnd then twelve months after that, you're sitting at a 115,000. That's kind of the volatility that you would expect. And then as you get closer and closer to retirement, maybe every one or two years, we would generally be slowly reducing your risk level down. So instead of 80%, we would go seventy, sixty, fifty, forty, and there's your pension account for, like, '60 $5.67. Are you okay with that general plan even though it's gonna be a bit up and down this year?\n\nYeah. If we dropped it one category, it changes your fluctuations from, say, 15% up and down to maybe nine to 12% up and down. But what we miss out on is any kind of average that extra growth. So I'll give you a bit of an example in, like, a a worst case scenario. So let's say we go growth fund for the next nine years, and I'm just gonna put in your work contributions for the moment and chop off the super tax off of that.\n\nSix one two o. Okay. So let's say that you ended up with annually. Okay. So let's say you ended up somewhere between 250 to 300,000 by retirement.\n\nIf we bump that down to a balance fund, you kind of go from about $2.20 to $2.75. So for every risk level we go down, you're probably giving up potentially 25 to 50,000. Now what would generally happen? So if we did continue the course with this current plan, if the market dropped this year, we would be using it as a bit of a buying opportunity to buy some shares and property at a cheaper price so that when the market goes back up, you can get a nice double digit return. And then we reduce the risk level down twelve months from now.\n\nAnd then a year or two later, we do the same thing, and we go from there. Yep. Yep. And that's the, I guess, the conventional wisdom, which does work out really well over an average period of time, seven to nine years. We just need to be very conscious that the timing of market crashes tends to happen every seven years or so.\n\nSo this may sound like a bit of a double edged sword, but it would be better for you for the market to crash this year and then get six solid years of growth than for it to happen a year before retirement. K? If we manage to get another double digit return over the next twelve months and the market hasn't crashed, I will probably be calling you up straight away saying let's reduce it down now and take some of the winners. Yeah. K?\n\nThe only other flip side is if the market crash happens towards the end of the year and I call you up and we're still down a little bit, it'll be another twelve month wait to get the growth and then pair it down. So Cool. I'll be pretty well joining on the spot every twelve months with you to make sure that we we adjust that as necessary just to get the the growth that we need and then at the right times reduce the risk. K? The other thing is you had about eight different investment options, which you'll see in the report that we sent you.\n\nSeven out of eight of them had fantastic returns of anywhere between 540% depending on the gold and the shares and things like that. You did have one option, which was the Australian shares in Bennelong, which was diving quite quickly, and it dropped about 17%. So it was the only kind of really negative option in the whole portfolio. The two things I wanted to mention is that you're still positive for the year just even though market's been crazy, but we already made a change to your portfolio a few months ago. I don't know if you remember getting a record of advice email.\n\nSo, normally, what would happen is if I do a review with you and there's one option that's not doing its thing, we would discuss whether we just kind of give it time to bounce back or do a bit of a tune up and switch out the option. However, in this case, because of how fast it was causing issues, the licensee made a decision in the investment committee across all clients to divest out of that and go to a safer passive option, lower fees, better returns across the whole client base. So what I can basically see is that all the options that you've got combined together actually look really good. It's just that there was one bad apple and we've already jumped on it. That's not normally the process, but we just had to make a decision and nip it in the bud quickly.\n\nCool. So, yeah, it worked out very well because that's now jumped up positive, and you're in this fantastic option. So really good move, but it's normally, we would go through this full review, discuss it. You would read it first, sign off. K?\n\nSo at the moment, I'll do a bit of a trim down on the insurances, let the portfolio go for twelve months, and then discuss a risk level change and a bit of a transition contribution strategy once you've talked about the salary packaging. Okay? The only other thing that I wanted to check well, before I move on, do you have any questions so far? If you do, that's always lovely, but we will capture it at the next review. That'll be one of the questions that I ask.\n\nOkay? When it comes to the estate planning kind of thing, do you know if you are putting in place a power of attorney as well as the will? Perfect. Alright. So I'm just gonna make a quick note that both of those are in progress.\n\nAnd the last thing I want to check was just in terms of beneficiaries, but I'm assuming that you're still just wanting to make sure Craig is listed on the life insurance and the super. Cool. Alright. I'll double check those details straight after the call, and I'll send you a message if there's anything I missed, but I believe those have all been put in place. Okay.\n\nPerfect. Nothing too messy. That's what we like to hear. There's a bit too much of that going on in the world. That's wonderful.\n\nThat doesn't happen often. So you're hoping to pass on that peace of mind down the line? Yeah. That's amazing. You wouldn't believe how many people I talked to where they're like, not bugger them.\n\nThey can figure it out. And I'm like, oh, really? Just just spend one afternoon sorting it for them, please. Paula, I did you have to fly across to go through all of their boxes? I can picture that everyone's sitting there with a coffee just trolling through paperwork going, what's this one?\n\nThis one's gonna stay on it. This looks important. Dear. Well, I'm glad you're sorting that out. I wanted to just quickly check with you as well just in terms of goals.\n\nWe had quite a few different goals listed since you came on board. Did you end up going on holiday to England? Fantastic. So that one's achieved. Nine weeks.\n\nWow. K. We you were gonna look at maybe an investment property. Is that on the cards, off the cards? K.\n\nSo that's good for the traveling, and we'll just kind of can the property side of things at the moment. Yep. And then outside of that, we still wanna just wanna make sure I think we've got you listed at age 67 for retirement and a bit of a combination with Craig where, let's say, you've got, hopefully, the mortgage paid down as much as possible, and then you'll kind of contribute about 500 a week in today's dollars after tax, and then his will kind of take over the rest. Nation with partner and mortgage off. That'll be the main thing.\n\nOutside of that, you were doing some renovating. I think that was initially did you end up finalizing all the renovating? Yep. That's a bit of a twelve month thing. And are you still looking at at some point downsizing, or is that with just a bit of a Yeah.\n\nYeah. And that'll be a nice little way to cap things off because we'll do a few little things here to kind of boost up the super, and you'll be focusing on the mortgage. And then once you go if you do do a downsize, the debt goes, the super is prepared in a pension. You've got somewhere that's a bit more practical for the retirement side of things. It just kinda ticks about three different boxes for you, and it's usually a pretty good move.\n\nYep. Yeah. Is he at a similar age to yourself? Older, younger? 62.\n\nK. That's right. So continue on for ten years plus and just keep going kind of thing. Yeah. So what I might do if you want, we can do a bit of a complimentary review just to see if there is anything that we can kind of alter in preparation for retirement.\n\nIt's usually a bit of a two step where we review and restructure possibly, and then it's all just strategies in terms of contributions and risk level as you transition across. Yep. Well, I'll give you a moment to kind of obviously have that chat with him, and then I'll get the girls to kind of reach out and see if they can book a time to see if he'll go through that research with us so that we can at least see if there is anything we can do to help. Alrighty. Outside of that, do you have any other questions for me before I kind of cap off the review?\n\nK. So when it comes to the review at the moment, I was wanting to kind of line up your next review possibly in twelve months' time to go over, obviously, the updated contribution, salary packaging, and pre retirement planning. Are you okay for a twelve month catch up frequency? Would you like me to schedule in, like, six months, quarterly, anything more frequent? Yeah.\n\nJust reach out. We can always book in an ad hoc consultation at any point, especially if there's been any significant change or or anything that you need to change. So with the the documents that I've sent through to you in the annual review pack, it does include an updated service agreement with financial services guide with our updated licensing information. So just so that you've got that in the back of your mind, we've got the fees are still 1.65%, and then that's split into the little monthly payments. And your Superfund claims a 15% tax rebate on all expenses as well.\n\nIf you do recommend Cray to receive advice as well, we do offer partnership discounts to 1.1%, which would drop a bit of that off too. K? Now have you ever used our new Odoo sign system before? K. So the quick reminder I'll give you for navigating it is the attachments at the bottom of the email are just normal email PDF attachments.\n\nThe actual sign link will ask you to consent first through electronic signature, then it'll open up the documents for you to scroll through and read. When you're ready to sign them, you just click the purple buttons to bring you to the signature spot. It'll automatically stamp a signature and date on. But if you wanna draw your signature to match your license, you can just click on it, and there'll be a pop up to let you draw it. Okay.\n\nPerfect. Alright. Pull up. Yes. I did send it through to your BigPond.\n\nDid you end up getting that at the start of the call? It should come up with a Oakview Financial signature request and your review pack with your name on it. Sometimes it goes to the old spam box, sometimes the main inbox for the first one. There we go. Oh, that's Yeah.\n\nNow, Paula, while you're going through that, I just wanted to ask you in terms of our next catch up for the insurance reduction. Do you have a lot of availability towards the end of June or the first week of July? Would it be pretty easy to schedule in a time with you, or is there a period that's no good? Mondays are a good day. Because what I'm gonna do is my team's just gonna do that reduction quote in between now and then.\n\nI'm actually about to go on some brief paternity leave. My third child is on the way, mid June. Thank you. Thank you. So what I'll do be doing is they'll put the plan together and the reduction in between.\n\nAnd then as soon as I get back to the office towards the third week of June, I'm just gonna get you booked in to quickly go through that before your anniversary date for the premiums. Worst case scenario, if that does come out just before we reduce it, they will still give you a pro rata refund. So if it's two days into the new year, they'll refund, you know, 99.8% of it back as long as we get it all done before your next birthday, which impacts pricing, which is October. So that's perfect. Alright.\n\nI'm just gonna say Monday's preferable and end of June, early July. Perfect. Any other questions for me, Paula, before I let you go? I love it. Thank you so much for spending the time with me this morning.\n\nThank you so much. I caught the second one. He is hoping I don't with the third. Alright. See you later, Paula.\n\nBye.","paragraphs":[{"sentences":[{"text":"Tommy from Oakview annual review.","start":6.3999996,"end":9.139999,"sentiment":"neutral","sentiment_score":0.04105496853590011},{"text":"Good morning, Paul.","start":19.855,"end":20.654999,"sentiment":"neutral","sentiment_score":0.2936874032020569},{"text":"It's Thomas here, senior adviser from.","start":20.654999,"end":22.654999,"sentiment":"neutral","sentiment_score":0.1869813452164332},{"text":"How are you going today?","start":22.654999,"end":23.795,"sentiment":"neutral","sentiment_score":0.2013905555009842},{"text":"I'm doing fantastic.","start":26.03,"end":27.25,"sentiment":"positive","sentiment_score":0.7156155506769816}],"sentiment":"neutral","sentiment_score":0.243728388778188,"num_words":22,"start":6.3999996,"end":27.25},{"sentences":[{"text":"It's a bright, beautiful day on the Gold Coast.","start":27.470001,"end":29.310001,"sentiment":"positive","sentiment_score":0.5831522477997674},{"text":"What about your end?","start":29.310001,"end":30.45,"sentiment":"neutral","sentiment_score":0.14715715870261192},{"text":"Glad to hear.","start":34.67,"end":35.57,"sentiment":"neutral","sentiment_score":0.2999054988225301},{"text":"We're just on the cusp of winter.","start":36.765,"end":38.545,"sentiment":"neutral","sentiment_score":0.14574320295027324},{"text":"Oh, that's a good one.","start":40.045,"end":42.065,"sentiment":"positive","sentiment_score":0.4185383439064026}],"sentiment":"positive","sentiment_score":0.35177176791642395,"num_words":28,"start":27.470001,"end":42.065},{"sentences":[{"text":"I'm just giving you a call to go through your annual review.","start":42.204998,"end":45.425,"sentiment":"neutral","sentiment_score":0.08980676407615344},{"text":"Is now still a good time?","start":46.125,"end":47.664997,"sentiment":"neutral","sentiment_score":0.10978065306941669},{"text":"Fantastic.","start":49.34,"end":49.84,"sentiment":"positive","sentiment_score":0.5050045251846313},{"text":"So I've got a bit of a pack I'm gonna send out to you.","start":50.14,"end":53.2,"sentiment":"neutral","sentiment_score":0.17892929698739732},{"text":"Before I do that, are you okay for me just to go through a quick security check with you?","start":53.58,"end":57.600002,"sentiment":"neutral","sentiment_score":0.05309482389374783}],"sentiment":"neutral","sentiment_score":0.11067656585230277,"num_words":52,"start":42.204998,"end":57.600002},{"sentences":[{"text":"Amazing.","start":58.38,"end":58.88,"sentiment":"neutral","sentiment_score":0.1371442824602127},{"text":"So these calls are recorded for training and quality purposes.","start":59.02,"end":62.32,"sentiment":"neutral","sentiment_score":0.055411526933312416},{"text":"I'm registered with ASIC as adviser 1273105.","start":62.675003,"end":66.935,"sentiment":"neutral","sentiment_score":0.061103779290403636},{"text":"Could you please confirm your date of birth and address?","start":66.995,"end":69.495,"sentiment":"neutral","sentiment_score":0.030568045377731324},{"text":"Sensational.","start":78.85,"end":79.35,"sentiment":"neutral","sentiment_score":0.05282684788107872}],"sentiment":"neutral","sentiment_score":0.05094804512015704,"num_words":29,"start":58.38,"end":79.35},{"sentences":[{"text":"Now with this pack that I'm sending out, Paula, I've got your BigPond address there.","start":79.57,"end":84.45,"sentiment":"neutral","sentiment_score":0.06128904943664869},{"text":"Will you be able to look on to those emails with me today?","start":84.45,"end":87.75,"sentiment":"neutral","sentiment_score":0.046620940359739155},{"text":"Cool.","start":89.585,"end":89.825,"sentiment":"neutral","sentiment_score":0.2250489443540573},{"text":"So I'll send that out.","start":89.825,"end":91.024994,"sentiment":"neutral","sentiment_score":0.16966163814067842},{"text":"No rush in grabbing that up.","start":91.024994,"end":92.305,"sentiment":"neutral","sentiment_score":0.07712169612447421}],"sentiment":"neutral","sentiment_score":0.07653738195076584,"num_words":40,"start":79.57,"end":92.305},{"sentences":[{"text":"There's a few housekeeping items to go through first, but I'll get that shot through now.","start":92.305,"end":97.604996,"sentiment":"neutral","sentiment_score":0.0759853117633611},{"text":"And there'll be a number of attachments on the email as well as a bit of a link to peruse the documents as well.","start":98.064995,"end":105.71,"sentiment":"neutral","sentiment_score":0.09558172337710857},{"text":"Paula, is there anything in particular that you're hoping to get out of this year's review?","start":107.21,"end":111.31,"sentiment":"neutral","sentiment_score":0.05393319309223443},{"text":"Yep.","start":130.28,"end":130.78,"sentiment":"neutral","sentiment_score":0.1042732000350952},{"text":"Yep.","start":145.175,"end":145.675,"sentiment":"neutral","sentiment_score":0.11905455589294434}],"sentiment":"neutral","sentiment_score":0.079241124046003,"num_words":58,"start":92.305,"end":145.675},{"sentences":[{"text":"Fantastic.","start":148.21501,"end":148.71501,"sentiment":"positive","sentiment_score":0.6568864583969116},{"text":"Okay.","start":149.01501,"end":149.255,"sentiment":"positive","sentiment_score":0.34467166662216187},{"text":"So I'll go through those two with you.","start":149.255,"end":150.78,"sentiment":"neutral","sentiment_score":0.24051190726459026},{"text":"Now just before I jump into that, I'm pulling open your insurance certificate, which I've also emailed through as well so we can kind of look on that together.","start":150.86,"end":158.88,"sentiment":"neutral","sentiment_score":0.11598075232629118},{"text":"But I'm just gonna double check a few details that we had on file.","start":159.1,"end":163.36,"sentiment":"neutral","sentiment_score":0.05326426800872598}],"sentiment":"neutral","sentiment_score":0.13273198024000762,"num_words":53,"start":148.21501,"end":163.36},{"sentences":[{"text":"So no change to your email address or phone number.","start":164.745,"end":167.485,"sentiment":"neutral","sentiment_score":0.00007113069295883179},{"text":"Residential and postal address is still the same.","start":168.665,"end":171.245,"sentiment":"neutral","sentiment_score":-0.011337955249473453},{"text":"I'm just gonna run through a couple of quick details.","start":172.105,"end":174.105,"sentiment":"neutral","sentiment_score":0.032650028727948664},{"text":"Just let me know if any of these have changed.","start":174.105,"end":176.125,"sentiment":"neutral","sentiment_score":0.01960502043366432},{"text":"So we have your husband listed as Craig with no dependents.","start":176.57,"end":182.35,"sentiment":"neutral","sentiment_score":0.019592821852050045}],"sentiment":"neutral","sentiment_score":0.013226106059642471,"num_words":49,"start":164.745,"end":182.35},{"sentences":[{"text":"We have you kind of step back into the less managerial admin role on about 45,000 with aged care GP.","start":183.13,"end":192.135,"sentiment":"neutral","sentiment_score":-0.022248043422587217},{"text":"Is that correct?","start":192.135,"end":192.875,"sentiment":"neutral","sentiment_score":0.0142000795652469},{"text":"Okay.","start":196.295,"end":196.61499,"sentiment":"neutral","sentiment_score":-0.0009195981547236444},{"text":"Do you mind if I grab some details for that?","start":196.61499,"end":199.275,"sentiment":"neutral","sentiment_score":-0.007714411523193121},{"text":"That's okay.","start":202.70999,"end":203.27,"sentiment":"neutral","sentiment_score":0.054539529606699944}],"sentiment":"neutral","sentiment_score":-0.010315146775812738,"num_words":36,"start":183.13,"end":203.27},{"sentences":[{"text":"What I'm looking for is just kind of like occupation title, your employer income, and I can note that down.","start":203.27,"end":209.93,"sentiment":"neutral","sentiment_score":0.023175601474940778},{"text":"APNA.","start":214.965,"end":215.465,"sentiment":"neutral","sentiment_score":0.02089858427643776},{"text":"Administration leave.","start":223.525,"end":224.985,"sentiment":"neutral","sentiment_score":0.0015917383134365082},{"text":"Cool.","start":232.69,"end":233.19,"sentiment":"neutral","sentiment_score":0.2464675605297089},{"text":"I'm assuming it's full time hours.","start":238.505,"end":240.105,"sentiment":"neutral","sentiment_score":0.11223625391721725}],"sentiment":"neutral","sentiment_score":0.04691597248117129,"num_words":30,"start":203.27,"end":240.105},{"sentences":[{"text":"Hopefully, not too much overtime.","start":240.105,"end":241.485,"sentiment":"neutral","sentiment_score":0.0826963648200035},{"text":"Okay.","start":244.585,"end":245.085,"sentiment":"neutral","sentiment_score":0.2573155164718628},{"text":"Amazing.","start":247.705,"end":248.205,"sentiment":"neutral","sentiment_score":0.3017307221889496},{"text":"Four days of working from home.","start":248.265,"end":249.785,"sentiment":"neutral","sentiment_score":-0.08661185950040817},{"text":"Love that.","start":249.785,"end":250.525,"sentiment":"neutral","sentiment_score":0.17870086431503296}],"sentiment":"neutral","sentiment_score":0.05401724229256312,"num_words":15,"start":240.105,"end":250.525},{"sentences":[{"text":"That's okay.","start":265.74503,"end":266.30502,"sentiment":"neutral","sentiment_score":-0.009160025510936975},{"text":"Those things can be tricky, hidden in all kinds of different HR systems and email, different title.","start":266.30502,"end":272.325,"sentiment":"neutral","sentiment_score":-0.060574456556316686},{"text":"The old employment here.","start":275.2,"end":276.32,"sentiment":"neutral","sentiment_score":-0.042385851964354515},{"text":"I know the one.","start":276.32,"end":277.22,"sentiment":"neutral","sentiment_score":-0.023813885170966387},{"text":"And I'm just updating a few things on our system while you do that, so no rush at all.","start":294.815,"end":298.8,"sentiment":"neutral","sentiment_score":0.025617454985254688}],"sentiment":"neutral","sentiment_score":-0.01795985035436309,"num_words":46,"start":265.74503,"end":298.8},{"sentences":[{"text":"Congratulations.","start":312.895,"end":313.395,"sentiment":"positive","sentiment_score":0.5798773169517517},{"text":"That's okay.","start":347.97998,"end":348.87997,"sentiment":"neutral","sentiment_score":0.2772981971502304},{"text":"While you're doing that, do you mind if I just ask you a couple of questions on the assets as well?","start":349.41998,"end":353.28,"sentiment":"neutral","sentiment_score":0.03942500853112766},{"text":"We had the main property listed at a value of 1,200,000 owing about 300,000.","start":354.78,"end":362.85498,"sentiment":"neutral","sentiment_score":-0.01851093822291919},{"text":"Has that changed a lot?","start":362.85498,"end":364.155,"sentiment":"neutral","sentiment_score":-0.029554089158773424}],"sentiment":"neutral","sentiment_score":0.036173844406771107,"num_words":43,"start":312.895,"end":364.155},{"sentences":[{"text":"K.","start":365.97498,"end":366.47498,"sentiment":"neutral","sentiment_score":-0.011033914983272552},{"text":"We still had, I think, three cars and a boat in terms of vehicles.","start":366.775,"end":370.315,"sentiment":"neutral","sentiment_score":-0.016840113326907158},{"text":"Oh, nice.","start":379.11002,"end":379.77,"sentiment":"positive","sentiment_score":0.4132144898176193},{"text":"Caravan.","start":379.91,"end":380.41,"sentiment":"positive","sentiment_score":0.48301512002944946},{"text":"That's beautiful.","start":380.47,"end":381.21,"sentiment":"positive","sentiment_score":0.6683345139026642}],"sentiment":"neutral","sentiment_score":0.11996588129550219,"num_words":20,"start":365.97498,"end":381.21},{"sentences":[{"text":"Do you mind if I just grab like, do you have anything owing on the caravan?","start":381.51,"end":384.39,"sentiment":"neutral","sentiment_score":0.00659211678430438},{"text":"Did you purchase that via a loan?","start":384.39,"end":386.175,"sentiment":"neutral","sentiment_score":-0.05549637068595205},{"text":"Cool.","start":388.735,"end":389.055,"sentiment":"neutral","sentiment_score":0.007299629971385002},{"text":"And what would the the resale value of that be approximately?","start":389.055,"end":391.715,"sentiment":"neutral","sentiment_score":-0.020534273406321354},{"text":"Just a rough figure.","start":391.775,"end":392.91498,"sentiment":"neutral","sentiment_score":-0.05431835446506739}],"sentiment":"neutral","sentiment_score":-0.018432090297723427,"num_words":39,"start":381.51,"end":392.91498},{"sentences":[{"text":"Amazing.","start":396.735,"end":397.235,"sentiment":"neutral","sentiment_score":0.04000861197710037},{"text":"Did that leave you with any kind of emergency fund cash savings left over still, or is that kind of depleted?","start":397.775,"end":404.23,"sentiment":"neutral","sentiment_score":-0.08356070500754174},{"text":"Yep.","start":409.25,"end":409.75,"sentiment":"neutral","sentiment_score":-0.0877905935049057},{"text":"K.","start":414.225,"end":414.725,"sentiment":"neutral","sentiment_score":-0.006929193623363972},{"text":"K.","start":422.705,"end":423.025,"sentiment":"neutral","sentiment_score":0.009556247852742672}],"sentiment":"neutral","sentiment_score":-0.07199718929827213,"num_words":25,"start":396.735,"end":423.025},{"sentences":[{"text":"Do you mind if I note down a bit of an estimate in terms of just liquid cash for emergency rainy day funds?","start":423.025,"end":428.75,"sentiment":"neutral","sentiment_score":0.0181140314747134},{"text":"Yep.","start":430.33,"end":430.83,"sentiment":"neutral","sentiment_score":0.09575989842414856},{"text":"25.","start":430.97,"end":431.61,"sentiment":"neutral","sentiment_score":0.14125695824623108},{"text":"Thank you.","start":431.61,"end":432.27,"sentiment":"positive","sentiment_score":0.5615246891975403},{"text":"And I'm assuming you guys have never gone through any kind of bankruptcy or debt agreements before?","start":436.49,"end":441.94998,"sentiment":"neutral","sentiment_score":0.08264351745738703}],"sentiment":"neutral","sentiment_score":0.07230974444907835,"num_words":44,"start":423.025,"end":441.94998},{"sentences":[{"text":"Thank you.","start":443.98502,"end":444.725,"sentiment":"neutral","sentiment_score":0.25013257563114166},{"text":"And just besides the income, the last question I had was in terms of estate planning.","start":449.185,"end":453.685,"sentiment":"neutral","sentiment_score":0.055123366066254675},{"text":"You were kind of working on getting a bit of a will put in place.","start":453.745,"end":456.70502,"sentiment":"neutral","sentiment_score":0.07255845963954925},{"text":"Just wondering if you manage to get that sorted.","start":456.70502,"end":463.61,"sentiment":"neutral","sentiment_score":0.0029578260663482877},{"text":"In the process now.","start":463.90997,"end":465.37,"sentiment":"neutral","sentiment_score":0.0330231012776494}],"sentiment":"neutral","sentiment_score":0.0571593204918115,"num_words":46,"start":443.98502,"end":465.37},{"sentences":[{"text":"Amazing.","start":467.83,"end":468.33,"sentiment":"positive","sentiment_score":0.6399922966957092},{"text":"Just while you're doing that, I'm having a quick look at your life insurance policy as well.","start":513.09,"end":517.59,"sentiment":"neutral","sentiment_score":0.11289744166766896},{"text":"How's the old two factor authentication going there, Paula?","start":614.585,"end":618.04504,"sentiment":"neutral","sentiment_score":0.030655754109223683},{"text":"No.","start":622.98505,"end":623.22504,"sentiment":"neutral","sentiment_score":-0.06780895590782166},{"text":"That's fair enough.","start":623.22504,"end":624.205,"sentiment":"neutral","sentiment_score":-0.02117343743642171}],"sentiment":"neutral","sentiment_score":0.08722004270361315,"num_words":31,"start":467.83,"end":624.205},{"sentences":[{"text":"60 thousand.","start":628.36,"end":629.42,"sentiment":"neutral","sentiment_score":0.03565344028174877},{"text":"It's a decent estimate there.","start":631.88,"end":634.04,"sentiment":"neutral","sentiment_score":0.23678622245788575},{"text":"I'll work off that for the time being.","start":634.04,"end":635.48,"sentiment":"neutral","sentiment_score":0.06869784044101834},{"text":"And what I might do too, I'll also just I'll double check your contributions and do a bit of a workback calculation just to see how close the market is, so that's no worries at all.","start":635.48,"end":647.675,"sentiment":"neutral","sentiment_score":0.10791311826970842},{"text":"One thing I wanna do is quickly check-in terms of the new income.","start":648.375,"end":652.43,"sentiment":"neutral","sentiment_score":0.15787535791213697}],"sentiment":"neutral","sentiment_score":0.12096988479606807,"num_words":64,"start":628.36,"end":652.43},{"sentences":[{"text":"Is do you have a a different surplus cash flow that you're setting aside, like, on a regular basis now?","start":652.73004,"end":659.31,"sentiment":"neutral","sentiment_score":0.09777535293251276},{"text":"Yeah.","start":675.32,"end":675.82,"sentiment":"neutral","sentiment_score":0.02125906758010387},{"text":"Yeah.","start":684.44,"end":684.94,"sentiment":"neutral","sentiment_score":0.2847045660018921},{"text":"Yeah.","start":702.23004,"end":702.55005,"sentiment":"neutral","sentiment_score":0.09335058927536012},{"text":"So the consistent regular amounts are a bit difficult because, obviously, his income fluctuates quite a bit.","start":702.55005,"end":707.93,"sentiment":"neutral","sentiment_score":-0.16359184638542287}],"sentiment":"neutral","sentiment_score":-0.01065600267611444,"num_words":40,"start":652.73004,"end":707.93},{"sentences":[{"text":"Yep.","start":715.605,"end":716.105,"sentiment":"neutral","sentiment_score":0.08778561651706696},{"text":"Perfect.","start":726.5,"end":727.0,"sentiment":"positive","sentiment_score":0.6584513783454895},{"text":"While I've got this information up in front of me, so you asked about both the insurances and also a possible second super fund.","start":728.01996,"end":737.985,"sentiment":"neutral","sentiment_score":0.16173402996112904},{"text":"I'm having a little bit of a look here, which may give me a bit of an idea.","start":739.745,"end":742.785,"sentiment":"neutral","sentiment_score":0.06790846731099817},{"text":"Can I just start with the the second super fund kind of side?","start":742.785,"end":746.64496,"sentiment":"neutral","sentiment_score":0.04620919433923868}],"sentiment":"neutral","sentiment_score":0.11317413424452145,"num_words":57,"start":715.605,"end":746.64496},{"sentences":[{"text":"Do you know if did you get any kind of email notifications from okay.","start":747.02496,"end":758.4275,"sentiment":"neutral","sentiment_score":0.0072916859893926555},{"text":"K.","start":766.495,"end":766.995,"sentiment":"neutral","sentiment_score":-0.00019426271319389343},{"text":"So what I'm wondering National Mutual Retirement Fund.","start":770.495,"end":777.075,"sentiment":"neutral","sentiment_score":0.004003766167443246},{"text":"Now did Netwealth send you information about this account, or did National Mutual?","start":778.24,"end":782.66,"sentiment":"neutral","sentiment_score":-0.008328850882557722},{"text":"Okay.","start":784.88,"end":785.27997,"sentiment":"neutral","sentiment_score":0.002251124009490013}],"sentiment":"neutral","sentiment_score":0.0007539333247051045,"num_words":37,"start":747.02496,"end":785.27997},{"sentences":[{"text":"Do you have any kind of email or letter that you could possibly forward through to me?","start":785.27997,"end":789.375,"sentiment":"neutral","sentiment_score":0.009991332450333764},{"text":"So just let me know when you're ready, and I'll tell you my email address, and then I'll get that saved on file.","start":793.055,"end":797.795,"sentiment":"neutral","sentiment_score":0.1490704213147578},{"text":"I have a bit of a feeling I know what this one is.","start":832.94,"end":836.32,"sentiment":"neutral","sentiment_score":0.13576897978782654},{"text":"I'll confirm it with you.","start":838.075,"end":839.695,"sentiment":"neutral","sentiment_score":0.1131238467991352},{"text":"I think we have.","start":850.57,"end":851.77,"sentiment":"neutral","sentiment_score":0.08782574161887169}],"sentiment":"neutral","sentiment_score":0.1012966335420647,"num_words":62,"start":785.27997,"end":851.77},{"sentences":[{"text":"And when I look up National Mutual Retirement Fund, it actually lists your insurance company resolution life.","start":851.77,"end":858.99,"sentiment":"neutral","sentiment_score":0.04466438896077521},{"text":"And I know that any superannuation policy usually has, like, a almost kind of like a a fake super fund behind it to actually receive the premiums for the life insurance.","start":859.21,"end":872.385,"sentiment":"neutral","sentiment_score":-0.023582593988507025},{"text":"So it may actually be that one that's being listed because that's coming out of the Netwealth via, like, an enduring rollover once per year, including in the July 16 is the next premium due date.","start":872.385,"end":885.76996,"sentiment":"neutral","sentiment_score":0.04036166762105293},{"text":"So it could be that one.","start":885.76996,"end":887.55,"sentiment":"neutral","sentiment_score":0.05344696342945099},{"text":"Fantastic.","start":901.96,"end":902.46,"sentiment":"positive","sentiment_score":0.4161531925201416}],"sentiment":"neutral","sentiment_score":0.024374606660925426,"num_words":91,"start":851.77,"end":902.46},{"sentences":[{"text":"That works too.","start":902.52,"end":903.5,"sentiment":"neutral","sentiment_score":0.09256840373078982},{"text":"And there's also heaps of different ways we can look at it too because there's the my gov will show you any active funds.","start":909.0,"end":916.085,"sentiment":"neutral","sentiment_score":0.09063284285366535},{"text":"And usually, if this is what I'm thinking, it'll come up in, like, a zero balance account on myGov.","start":916.085,"end":922.34503,"sentiment":"neutral","sentiment_score":0.058022642017979374},{"text":"You've got the emails there.","start":922.565,"end":924.10504,"sentiment":"neutral","sentiment_score":0.09002539366483689},{"text":"You can also even just forward that photo later on after the call.","start":924.405,"end":939.56,"sentiment":"neutral","sentiment_score":0.02765077925645388}],"sentiment":"neutral","sentiment_score":0.06820173026062548,"num_words":64,"start":902.52,"end":939.56},{"sentences":[{"text":"That's okay.","start":939.56,"end":940.38,"sentiment":"neutral","sentiment_score":0.016980917658656836},{"text":"Yeah.","start":946.345,"end":946.745,"sentiment":"neutral","sentiment_score":-0.02988935261964798},{"text":"And that would be That's okay because you'll be coming up to your anniversary, and, normally, you'll get a notice from that as well.","start":946.745,"end":959.42,"sentiment":"neutral","sentiment_score":-0.017601217802924413},{"text":"Yep.","start":967.255,"end":967.755,"sentiment":"neutral","sentiment_score":-0.0588797889649868},{"text":"Please, that'd be great.","start":972.935,"end":974.215,"sentiment":"positive","sentiment_score":0.4894001577049494}],"sentiment":"neutral","sentiment_score":0.04626137804007158,"num_words":32,"start":939.56,"end":974.215},{"sentences":[{"text":"And that will be 99% chance that is your insurance policy because that's the anniversary date.","start":974.215,"end":979.755,"sentiment":"neutral","sentiment_score":0.32182219438254833},{"text":"Would you like my email address?","start":981.68,"end":983.7,"sentiment":"neutral","sentiment_score":0.06839529673258464},{"text":"K.","start":991.6,"end":991.92,"sentiment":"neutral","sentiment_score":0.03197295218706131},{"text":"So it's Tommy, t o, m m, y.","start":991.92,"end":994.66,"sentiment":"neutral","sentiment_score":0.03839783347211778},{"text":"And this one's a bit of a mouthful, but it's at Oakview Financial.","start":996.005,"end":999.70496,"sentiment":"neutral","sentiment_score":0.007886841320074521}],"sentiment":"neutral","sentiment_score":0.13639116926457395,"num_words":44,"start":974.215,"end":999.70496},{"sentences":[{"text":"And then dot com dot a u.","start":1010.58,"end":1013.08,"sentiment":"neutral","sentiment_score":0.01938393445951598},{"text":"And just let me know once you've hit the old send on that one, and I'll give it a couple of minutes.","start":1030.515,"end":1034.55,"sentiment":"neutral","sentiment_score":0.024962678636339577},{"text":"Cool.","start":1036.2301,"end":1036.63,"sentiment":"neutral","sentiment_score":0.23731091618537903},{"text":"So while I'm waiting for that to come through and we're on the topic of the policy, so you were talking about a bit of a reduction on the life insurance.","start":1036.63,"end":1044.9701,"sentiment":"neutral","sentiment_score":-0.038771034368584235},{"text":"So Alright.","start":1045.3501,"end":1066.2799,"sentiment":"neutral","sentiment_score":0.013241179287433624}],"sentiment":"neutral","sentiment_score":-0.004019719356345752,"num_words":63,"start":1010.58,"end":1066.2799},{"sentences":[{"text":"Yep.","start":1066.4199,"end":1066.9199,"sentiment":"neutral","sentiment_score":0.07785813510417938},{"text":"Yep.","start":1080.275,"end":1080.755,"sentiment":"neutral","sentiment_score":0.15105214715003967},{"text":"Pay off the mortgage and look after the kids, take time off, all that kind of thing.","start":1080.755,"end":1085.28,"sentiment":"neutral","sentiment_score":0.07131022653158973},{"text":"Oh, no.","start":1089.28,"end":1089.9401,"sentiment":"neutral","sentiment_score":-0.27253536880016327},{"text":"Yeah.","start":1102.8151,"end":1103.135,"sentiment":"neutral","sentiment_score":0.0006581023335456848}],"sentiment":"neutral","sentiment_score":0.0407623408192938,"num_words":22,"start":1066.4199,"end":1103.135},{"sentences":[{"text":"It's 830,000 and '20 5 dollars.","start":1103.135,"end":1106.515,"sentiment":"neutral","sentiment_score":0.008282361396898827},{"text":"Yep.","start":1108.255,"end":1108.755,"sentiment":"neutral","sentiment_score":0.10277090966701508},{"text":"Yeah.","start":1112.27,"end":1112.67,"sentiment":"neutral","sentiment_score":0.14966484904289246},{"text":"And the new premium that's coming out, that's jumped up to 2,747, and you get a 15% rebate off of that, which drops it to the low 2 thousands.","start":1112.67,"end":1123.0901,"sentiment":"positive","sentiment_score":0.334361266473244},{"text":"But then the year afterwards, that's gonna be straight over $3 and approaching 4,000 pretty quickly.","start":1123.4651,"end":1130.2051,"sentiment":"neutral","sentiment_score":0.04078274854691699}],"sentiment":"neutral","sentiment_score":0.2009647288974726,"num_words":53,"start":1103.135,"end":1130.2051},{"sentences":[{"text":"As soon as you hit the sixties, that will go $5.07, 9, 12.","start":1130.745,"end":1136.6499,"sentiment":"neutral","sentiment_score":0.10733426849429424},{"text":"Like, that's going to skyrocket over the next seven years.","start":1136.71,"end":1139.9299,"sentiment":"neutral","sentiment_score":0.14864962957799435},{"text":"So well, number one, it's gonna have to be a constant trim down game because, like, what is it actually protecting you for?","start":1141.59,"end":1153.615,"sentiment":"neutral","sentiment_score":-0.07716440806246322},{"text":"You've got a mortgage of 300,000.","start":1153.615,"end":1155.635,"sentiment":"neutral","sentiment_score":-0.06547619278232257},{"text":"That leaves you half 1,000,000 plus your super, so 600 thousand left over.","start":1156.175,"end":1160.595,"sentiment":"neutral","sentiment_score":-0.021724623198119495}],"sentiment":"neutral","sentiment_score":0.006642817576917318,"num_words":65,"start":1130.745,"end":1160.595},{"sentences":[{"text":"Is that even too high now, or is that something where it's okay for the next twelve months, but then next year, we should drop a couple 100,000 off?","start":1160.975,"end":1168.89,"sentiment":"neutral","sentiment_score":-0.10693139364493304},{"text":"K.","start":1171.75,"end":1172.25,"sentiment":"neutral","sentiment_score":-0.008509231731295586},{"text":"What would be a good net figure?","start":1172.9501,"end":1174.89,"sentiment":"neutral","sentiment_score":-0.023028701543807983},{"text":"700.","start":1178.1649,"end":1179.065,"sentiment":"neutral","sentiment_score":0.0014650849625468254},{"text":"Yeah.","start":1182.8849,"end":1183.205,"sentiment":"neutral","sentiment_score":0.01946243643760681}],"sentiment":"neutral","sentiment_score":-0.08332802658566298,"num_words":39,"start":1160.975,"end":1183.205},{"sentences":[{"text":"So what that will pretty much do is pay off the mortgage and leave you half a mill left over, and that just chops off a 130,000.","start":1183.205,"end":1190.39,"sentiment":"neutral","sentiment_score":0.013298568143336862},{"text":"So let me just do a quick little calculation on that with the $8.30, 15% off.","start":1190.39,"end":1200.01,"sentiment":"neutral","sentiment_score":0.10005309153348207},{"text":"Yeah.","start":1202.3251,"end":1202.645,"sentiment":"neutral","sentiment_score":0.12104764580726624},{"text":"So that will drop it down to just under 2,000 in the premiums.","start":1202.645,"end":1207.605,"sentiment":"neutral","sentiment_score":0.1398024089061297},{"text":"It'd be more like $18.50 approximately.","start":1207.605,"end":1209.9451,"sentiment":"neutral","sentiment_score":0.06601166538894176}],"sentiment":"neutral","sentiment_score":0.06816602790994304,"num_words":63,"start":1183.205,"end":1209.9451},{"sentences":[{"text":"What I'll do is I will get a alteration decrease quote for 700 flat so you know exactly what it's gonna be.","start":1210.405,"end":1219.3099,"sentiment":"neutral","sentiment_score":0.09486808492378755},{"text":"And I'll put together just a little bit of an updated plan for you so you can see the yeah.","start":1219.5299,"end":1227.45,"sentiment":"neutral","sentiment_score":0.062516152090393},{"text":"Yep.","start":1227.45,"end":1227.77,"sentiment":"neutral","sentiment_score":0.22131189703941345},{"text":"That's enduring rollover that comes out once per year.","start":1227.77,"end":1231.07,"sentiment":"positive","sentiment_score":0.6920762260754904},{"text":"Yeah.","start":1235.365,"end":1235.685,"sentiment":"neutral","sentiment_score":-0.006207427941262722}],"sentiment":"neutral","sentiment_score":0.18455115875299527,"num_words":53,"start":1210.405,"end":1235.685},{"sentences":[{"text":"There are, like, platform policies that do monthly, but then they jump it up an extra 10 to 12 percent.","start":1235.685,"end":1241.705,"sentiment":"neutral","sentiment_score":-0.005897059291601181},{"text":"So doesn't work out as fun.","start":1242.005,"end":1248.44,"sentiment":"neutral","sentiment_score":0.016201934466759365},{"text":"Live.","start":1251.78,"end":1252.28,"sentiment":"neutral","sentiment_score":0.1697644740343094},{"text":"Now in terms of your super itself, so I'll go into the portfolio in a moment there.","start":1252.5,"end":1258.68,"sentiment":"neutral","sentiment_score":0.08333386546548675},{"text":"But I'm just wondering in terms of contributions.","start":1259.085,"end":1261.4249,"sentiment":"neutral","sentiment_score":0.01431246055290103}],"sentiment":"neutral","sentiment_score":0.03231173639114086,"num_words":52,"start":1235.685,"end":1261.4249},{"sentences":[{"text":"I'm gonna base your updated plan off of the 60,000 and the 12% off of that.","start":1262.125,"end":1267.645,"sentiment":"neutral","sentiment_score":0.04559592006262392},{"text":"Are you doing any salary sacrifice, or is that entering anything in the next two years or so?","start":1267.645,"end":1272.84,"sentiment":"neutral","sentiment_score":-0.019011530456029706},{"text":"Oh, that's amazing.","start":1280.6799,"end":1281.58,"sentiment":"positive","sentiment_score":0.3959692418575287},{"text":"Yep.","start":1292.455,"end":1292.955,"sentiment":"neutral","sentiment_score":0.09358389675617218},{"text":"So really good situation for you then is I know that most salary packaging programs max out at about 15,000, and that happens to be the exact amount that you were over the 32% tax bracket.","start":1297.35,"end":1313.515,"sentiment":"neutral","sentiment_score":0.1174926854049166}],"sentiment":"neutral","sentiment_score":0.07971020904998924,"num_words":74,"start":1262.125,"end":1313.515},{"sentences":[{"text":"So everything over 45,000 is 32%.","start":1313.815,"end":1317.515,"sentiment":"neutral","sentiment_score":0.0784482763459285},{"text":"So anytime you do the salary packaging or salary sacrifice, you're getting that maximum hit for the first 15,000 that you're deducted.","start":1317.655,"end":1326.97,"sentiment":"neutral","sentiment_score":0.07281485928053205},{"text":"So what I would do contribution wise is I would obviously meet with them and figure out salary packaging benefits first.","start":1328.87,"end":1336.09,"sentiment":"neutral","sentiment_score":0.10245998363409724},{"text":"And then when you hit 60, you can do a transition to retirement contribution strategy.","start":1336.39,"end":1343.225,"sentiment":"neutral","sentiment_score":0.05231666415929794},{"text":"Have you heard of that before?","start":1343.225,"end":1344.445,"sentiment":"neutral","sentiment_score":0.02739650197327137}],"sentiment":"neutral","sentiment_score":0.07390578846846307,"num_words":70,"start":1313.815,"end":1344.445},{"sentences":[{"text":"Yep.","start":1348.105,"end":1348.4249,"sentiment":"neutral","sentiment_score":0.0923072099685669},{"text":"So getting close to that point where you can access a portion of your super after 60.","start":1348.4249,"end":1353.085,"sentiment":"neutral","sentiment_score":0.1065196412451127},{"text":"And if you don't need the funds to partially retire, we can pull it out and put it back in again as a tax deductible contribution, and the tax difference just boosts up your super a little bit.","start":1353.2899,"end":1365.0499,"sentiment":"neutral","sentiment_score":0.16007479843928626},{"text":"So it's like a thousand out, thousand back in, 200 in there extra.","start":1365.0499,"end":1368.6699,"sentiment":"neutral","sentiment_score":0.20362248329015878},{"text":"So if it's okay with you, I'm gonna put in, in terms of priorities, that we do the salary packaging first.","start":1369.815,"end":1376.875,"sentiment":"neutral","sentiment_score":0.31313306235131766}],"sentiment":"neutral","sentiment_score":0.19120966715531218,"num_words":90,"start":1348.105,"end":1376.875},{"sentences":[{"text":"And then at the next review, we're gonna kind of preplan your 60 strategy.","start":1377.255,"end":1382.5549,"sentiment":"neutral","sentiment_score":0.22191548879657472},{"text":"That way we can have it in place for that financial year when you turn 60.","start":1383.0,"end":1387.42,"sentiment":"positive","sentiment_score":0.35288694966584444},{"text":"I don't mean to, but it's exciting for me.","start":1394.36,"end":1396.78,"sentiment":"neutral","sentiment_score":0.014543770346790552},{"text":"And, look, for me, I just get excited because there's so many extra strategies we can do to boost things up for you and, you know, look on the bright side.","start":1399.045,"end":1406.805,"sentiment":"positive","sentiment_score":0.342713039728903},{"text":"I'll be there to give you the silver linings.","start":1406.805,"end":1408.665,"sentiment":"positive","sentiment_score":0.36983365813891095}],"sentiment":"neutral","sentiment_score":0.28906973576927675,"num_words":79,"start":1377.255,"end":1408.665},{"sentences":[{"text":"Outside of that, I wanted to just quickly touch base on your portfolio in the super.","start":1411.22,"end":1418.6,"sentiment":"neutral","sentiment_score":0.24286884535104036},{"text":"So if you haven't been watching your account lately, the stock market's gone quite wild since Christmas, up and down like a bit of a roller coaster ride.","start":1419.2999,"end":1428.8151,"sentiment":"neutral","sentiment_score":-0.039350469197545736},{"text":"Now two things I wanted to touch on.","start":1429.275,"end":1432.255,"sentiment":"neutral","sentiment_score":0.06805362040176988},{"text":"First of all, you're in a growth risk profile, which is that kind of 80% growth assets, shares, property, and gold.","start":1432.3151,"end":1441.0,"sentiment":"neutral","sentiment_score":0.07968075821797053},{"text":"So it's a four out of five on the risk scale.","start":1441.0,"end":1443.4199,"sentiment":"neutral","sentiment_score":0.06600760092789476}],"sentiment":"neutral","sentiment_score":0.06818924862004462,"num_words":84,"start":1411.22,"end":1443.4199},{"sentences":[{"text":"Usually recommended if you have at least eight years to retirement for being able to get that growth.","start":1443.7999,"end":1450.0399,"sentiment":"neutral","sentiment_score":0.13205175970991453},{"text":"Now I know that we're trying to focus really heavily on growing the capital at the moment, but at some point, we have to talk about reducing your risk level down a little bit.","start":1450.0399,"end":1460.395,"sentiment":"neutral","sentiment_score":0.053964026409256106},{"text":"So what I wanted to kind of ask you is if you're still okay with I'll give you a bit of an example.","start":1461.655,"end":1466.715,"sentiment":"neutral","sentiment_score":0.10305068577113359},{"text":"So you're at $97,002.40 as of today.","start":1467.24,"end":1470.3,"sentiment":"neutral","sentiment_score":0.08149690393890653},{"text":"And what could easily happen in a growth portfolio is that in six months' time, it could be sitting at 84,000.","start":1470.92,"end":1479.02,"sentiment":"neutral","sentiment_score":0.06030179161046233}],"sentiment":"neutral","sentiment_score":0.0817348572506922,"num_words":103,"start":1443.7999,"end":1479.02},{"sentences":[{"text":"And then twelve months after that, you're sitting at a 115,000.","start":1479.225,"end":1483.005,"sentiment":"neutral","sentiment_score":0.025655029680241238},{"text":"That's kind of the volatility that you would expect.","start":1484.4249,"end":1486.9249,"sentiment":"neutral","sentiment_score":-0.05460221072038015},{"text":"And then as you get closer and closer to retirement, maybe every one or two years, we would generally be slowly reducing your risk level down.","start":1487.225,"end":1495.2,"sentiment":"neutral","sentiment_score":0.07623934229979148},{"text":"So instead of 80%, we would go seventy, sixty, fifty, forty, and there's your pension account for, like, '60 $5.67.","start":1495.44,"end":1504.82,"sentiment":"neutral","sentiment_score":0.13411452919244765},{"text":"Are you okay with that general plan even though it's gonna be a bit up and down this year?","start":1507.455,"end":1511.875,"sentiment":"neutral","sentiment_score":0.03739366258837675}],"sentiment":"neutral","sentiment_score":0.06077386473908144,"num_words":85,"start":1479.225,"end":1511.875},{"sentences":[{"text":"Yeah.","start":1541.645,"end":1541.805,"sentiment":"neutral","sentiment_score":-0.0089840367436409},{"text":"If we dropped it one category, it changes your fluctuations from, say, 15% up and down to maybe nine to 12% up and down.","start":1541.805,"end":1550.8201,"sentiment":"neutral","sentiment_score":-0.04712636310917636},{"text":"But what we miss out on is any kind of average that extra growth.","start":1550.88,"end":1555.52,"sentiment":"neutral","sentiment_score":-0.22056230743016517},{"text":"So I'll give you a bit of an example in, like, a a worst case scenario.","start":1555.52,"end":1558.8201,"sentiment":"neutral","sentiment_score":-0.045335791539400816},{"text":"So let's say we go growth fund for the next nine years, and I'm just gonna put in your work contributions for the moment and chop off the super tax off of that.","start":1559.545,"end":1572.845,"sentiment":"neutral","sentiment_score":0.04157284195675994}],"sentiment":"neutral","sentiment_score":-0.04069724926640364,"num_words":88,"start":1541.645,"end":1572.845},{"sentences":[{"text":"Six one two o.","start":1573.26,"end":1574.56,"sentiment":"neutral","sentiment_score":0.004671067697927356},{"text":"Okay.","start":1575.18,"end":1575.5801,"sentiment":"neutral","sentiment_score":0.03896278887987137},{"text":"So let's say that you ended up with annually.","start":1575.5801,"end":1581.28,"sentiment":"neutral","sentiment_score":0.03583576882051097},{"text":"Okay.","start":1582.54,"end":1582.86,"sentiment":"neutral","sentiment_score":0.048928018659353256},{"text":"So let's say you ended up somewhere between 250 to 300,000 by retirement.","start":1582.86,"end":1589.385,"sentiment":"neutral","sentiment_score":0.04679587941903334}],"sentiment":"neutral","sentiment_score":0.03705155107724879,"num_words":28,"start":1573.26,"end":1589.385},{"sentences":[{"text":"If we bump that down to a balance fund, you kind of go from about $2.20 to $2.75.","start":1590.165,"end":1601.465,"sentiment":"neutral","sentiment_score":0.038924219811128244},{"text":"So for every risk level we go down, you're probably giving up potentially 25 to 50,000.","start":1601.68,"end":1608.42,"sentiment":"neutral","sentiment_score":0.014206144420313649},{"text":"Now what would generally happen?","start":1610.24,"end":1611.68,"sentiment":"neutral","sentiment_score":0.08195364400744438},{"text":"So if we did continue the course with this current plan, if the market dropped this year, we would be using it as a bit of a buying opportunity to buy some shares and property at a cheaper price so that when the market goes back up, you can get a nice double digit return.","start":1611.68,"end":1625.775,"sentiment":"neutral","sentiment_score":0.27820964753627775},{"text":"And then we reduce the risk level down twelve months from now.","start":1626.7949,"end":1630.1749,"sentiment":"neutral","sentiment_score":0.030684920648733776}],"sentiment":"neutral","sentiment_score":0.16044766178908143,"num_words":106,"start":1590.165,"end":1630.1749},{"sentences":[{"text":"And then a year or two later, we do the same thing, and we go from there.","start":1630.3099,"end":1634.25,"sentiment":"neutral","sentiment_score":0.06950562534963384},{"text":"Yep.","start":1642.245,"end":1642.745,"sentiment":"neutral","sentiment_score":0.1313166320323944},{"text":"Yep.","start":1648.005,"end":1648.405,"sentiment":"neutral","sentiment_score":0.10487203299999236},{"text":"And that's the, I guess, the conventional wisdom, which does work out really well over an average period of time, seven to nine years.","start":1648.405,"end":1655.145,"sentiment":"neutral","sentiment_score":0.11864062895377477},{"text":"We just need to be very conscious that the timing of market crashes tends to happen every seven years or so.","start":1655.285,"end":1663.63,"sentiment":"neutral","sentiment_score":-0.11686260377367337}],"sentiment":"neutral","sentiment_score":0.028297573619056493,"num_words":64,"start":1630.3099,"end":1663.63},{"sentences":[{"text":"So this may sound like a bit of a double edged sword, but it would be better for you for the market to crash this year and then get six solid years of growth than for it to happen a year before retirement.","start":1663.6901,"end":1675.815,"sentiment":"neutral","sentiment_score":-0.0991094644333041},{"text":"K?","start":1678.0349,"end":1678.5349,"sentiment":"neutral","sentiment_score":0.05529239401221275},{"text":"If we manage to get another double digit return over the next twelve months and the market hasn't crashed, I will probably be calling you up straight away saying let's reduce it down now and take some of the winners.","start":1678.595,"end":1689.5299,"sentiment":"neutral","sentiment_score":0.036931541794911024},{"text":"Yeah.","start":1689.59,"end":1690.09,"sentiment":"neutral","sentiment_score":0.164106547832489},{"text":"K?","start":1691.59,"end":1692.09,"sentiment":"neutral","sentiment_score":0.07031525671482086}],"sentiment":"neutral","sentiment_score":-0.02900850116600131,"num_words":86,"start":1663.6901,"end":1692.09},{"sentences":[{"text":"The only other flip side is if the market crash happens towards the end of the year and I call you up and we're still down a little bit, it'll be another twelve month wait to get the growth and then pair it down.","start":1692.1499,"end":1702.5651,"sentiment":"neutral","sentiment_score":-0.1270231985995038},{"text":"So Cool.","start":1704.865,"end":1707.665,"sentiment":"neutral","sentiment_score":0.07589595764875412},{"text":"I'll be pretty well joining on the spot every twelve months with you to make sure that we we adjust that as necessary just to get the the growth that we need and then at the right times reduce the risk.","start":1707.665,"end":1718.18,"sentiment":"neutral","sentiment_score":0.2545300756649273},{"text":"K?","start":1719.68,"end":1720.18,"sentiment":"neutral","sentiment_score":0.16159406304359436},{"text":"The other thing is you had about eight different investment options, which you'll see in the report that we sent you.","start":1720.48,"end":1726.665,"sentiment":"neutral","sentiment_score":0.031059634117853074}],"sentiment":"neutral","sentiment_score":0.05332431796972358,"num_words":109,"start":1692.1499,"end":1726.665},{"sentences":[{"text":"Seven out of eight of them had fantastic returns of anywhere between 540% depending on the gold and the shares and things like that.","start":1727.4651,"end":1735.785,"sentiment":"neutral","sentiment_score":0.1574590018329521},{"text":"You did have one option, which was the Australian shares in Bennelong, which was diving quite quickly, and it dropped about 17%.","start":1735.785,"end":1744.09,"sentiment":"neutral","sentiment_score":-0.16221926073459061},{"text":"So it was the only kind of really negative option in the whole portfolio.","start":1744.09,"end":1748.11,"sentiment":"neutral","sentiment_score":-0.20362219440617732},{"text":"The two things I wanted to mention is that you're still positive for the year just even though market's been crazy, but we already made a change to your portfolio a few months ago.","start":1749.13,"end":1760.375,"sentiment":"neutral","sentiment_score":0.08629656007842106},{"text":"I don't know if you remember getting a record of advice email.","start":1760.375,"end":1763.835,"sentiment":"neutral","sentiment_score":-0.01096095381459842}],"sentiment":"neutral","sentiment_score":0.0015286149342878248,"num_words":106,"start":1727.4651,"end":1763.835},{"sentences":[{"text":"So, normally, what would happen is if I do a review with you and there's one option that's not doing its thing, we would discuss whether we just kind of give it time to bounce back or do a bit of a tune up and switch out the option.","start":1765.335,"end":1777.12,"sentiment":"neutral","sentiment_score":-0.035156343930533955},{"text":"However, in this case, because of how fast it was causing issues, the licensee made a decision in the investment committee across all clients to divest out of that and go to a safer passive option, lower fees, better returns across the whole client base.","start":1778.38,"end":1795.375,"sentiment":"neutral","sentiment_score":-0.05120618674490187},{"text":"So what I can basically see is that all the options that you've got combined together actually look really good.","start":1797.36,"end":1802.24,"sentiment":"neutral","sentiment_score":0.320818817615509},{"text":"It's just that there was one bad apple and we've already jumped on it.","start":1802.24,"end":1805.3799,"sentiment":"neutral","sentiment_score":-0.13060747725622995},{"text":"That's not normally the process, but we just had to make a decision and nip it in the bud quickly.","start":1805.44,"end":1811.1399,"sentiment":"neutral","sentiment_score":0.058311366965062915}],"sentiment":"neutral","sentiment_score":0.011669998337212648,"num_words":148,"start":1765.335,"end":1811.1399},{"sentences":[{"text":"Cool.","start":1813.915,"end":1814.155,"sentiment":"positive","sentiment_score":0.46206068992614746},{"text":"So, yeah, it worked out very well because that's now jumped up positive, and you're in this fantastic option.","start":1814.155,"end":1818.735,"sentiment":"positive","sentiment_score":0.5390642708853671},{"text":"So really good move, but it's normally, we would go through this full review, discuss it.","start":1818.875,"end":1824.715,"sentiment":"neutral","sentiment_score":0.3156888699159026},{"text":"You would read it first, sign off.","start":1824.715,"end":1826.655,"sentiment":"neutral","sentiment_score":0.09981379019362586},{"text":"K?","start":1828.46,"end":1828.62,"sentiment":"neutral","sentiment_score":0.05897635221481323}],"sentiment":"positive","sentiment_score":0.37529492361301725,"num_words":44,"start":1813.915,"end":1828.62},{"sentences":[{"text":"So at the moment, I'll do a bit of a trim down on the insurances, let the portfolio go for twelve months, and then discuss a risk level change and a bit of a transition contribution strategy once you've talked about the salary packaging.","start":1828.62,"end":1845.485,"sentiment":"neutral","sentiment_score":0.12158088843253526},{"text":"Okay?","start":1847.225,"end":1847.725,"sentiment":"neutral","sentiment_score":0.11248505115509032},{"text":"The only other thing that I wanted to check well, before I move on, do you have any questions so far?","start":1849.1449,"end":1853.46,"sentiment":"neutral","sentiment_score":0.08517986438458874},{"text":"If you do, that's always lovely, but we will capture it at the next review.","start":1859.7799,"end":1863.5399,"sentiment":"positive","sentiment_score":0.3366532564163208},{"text":"That'll be one of the questions that I ask.","start":1863.5399,"end":1865.475,"sentiment":"neutral","sentiment_score":0.11023476098974545}],"sentiment":"neutral","sentiment_score":0.14769703321572808,"num_words":90,"start":1828.62,"end":1865.475},{"sentences":[{"text":"Okay?","start":1867.5549,"end":1868.0549,"sentiment":"neutral","sentiment_score":0.0877678394317627},{"text":"When it comes to the estate planning kind of thing, do you know if you are putting in place a power of attorney as well as the will?","start":1869.075,"end":1876.9349,"sentiment":"neutral","sentiment_score":0.07860704724277769},{"text":"Perfect.","start":1878.77,"end":1879.27,"sentiment":"positive","sentiment_score":0.44364768266677856},{"text":"Alright.","start":1879.73,"end":1880.05,"sentiment":"neutral","sentiment_score":0.2838802635669708},{"text":"So I'm just gonna make a quick note that both of those are in progress.","start":1880.05,"end":1882.79,"sentiment":"neutral","sentiment_score":0.25027420024077096}],"sentiment":"neutral","sentiment_score":0.1471827415668446,"num_words":46,"start":1867.5549,"end":1882.79},{"sentences":[{"text":"And the last thing I want to check was just in terms of beneficiaries, but I'm assuming that you're still just wanting to make sure Craig is listed on the life insurance and the super.","start":1884.37,"end":1893.27,"sentiment":"neutral","sentiment_score":0.08459093655858721},{"text":"Cool.","start":1895.135,"end":1895.375,"sentiment":"neutral","sentiment_score":0.27402833104133606},{"text":"Alright.","start":1895.375,"end":1895.695,"sentiment":"neutral","sentiment_score":0.2216353863477707},{"text":"I'll double check those details straight after the call, and I'll send you a message if there's anything I missed, but I believe those have all been put in place.","start":1895.695,"end":1902.915,"sentiment":"neutral","sentiment_score":0.19909674798448881},{"text":"Okay.","start":1914.51,"end":1914.99,"sentiment":"neutral","sentiment_score":0.27491825819015503}],"sentiment":"neutral","sentiment_score":0.14270834109800704,"num_words":68,"start":1884.37,"end":1914.99},{"sentences":[{"text":"Perfect.","start":1914.99,"end":1915.49,"sentiment":"positive","sentiment_score":0.5573515892028809},{"text":"Nothing too messy.","start":1918.365,"end":1919.245,"sentiment":"neutral","sentiment_score":0.15641153355439502},{"text":"That's what we like to hear.","start":1919.245,"end":1920.285,"sentiment":"neutral","sentiment_score":0.20957104861736298},{"text":"There's a bit too much of that going on in the world.","start":1920.285,"end":1922.4651,"sentiment":"neutral","sentiment_score":-0.24423914526899657},{"text":"That's wonderful.","start":1947.9951,"end":1948.8151,"sentiment":"positive","sentiment_score":0.5009106695652008}],"sentiment":"neutral","sentiment_score":0.014790169894695282,"num_words":24,"start":1914.99,"end":1948.8151},{"sentences":[{"text":"That doesn't happen often.","start":1949.035,"end":1950.255,"sentiment":"neutral","sentiment_score":0.19406322296708822},{"text":"So you're hoping to pass on that peace of mind down the line?","start":1968.745,"end":1971.965,"sentiment":"neutral","sentiment_score":0.0683297047821375},{"text":"Yeah.","start":1974.6649,"end":1975.1649,"sentiment":"positive","sentiment_score":0.35400623083114624},{"text":"That's amazing.","start":1975.3049,"end":1976.125,"sentiment":"positive","sentiment_score":0.5521116256713867},{"text":"You wouldn't believe how many people I talked to where they're like, not bugger them.","start":1978.2,"end":1982.04,"sentiment":"neutral","sentiment_score":-0.008121943970521291}],"sentiment":"neutral","sentiment_score":0.08574112504720688,"num_words":35,"start":1949.035,"end":1982.04},{"sentences":[{"text":"They can figure it out.","start":1982.04,"end":1982.9199,"sentiment":"neutral","sentiment_score":-0.01778534986078739},{"text":"And I'm like, oh, really?","start":1982.9199,"end":1984.0599,"sentiment":"neutral","sentiment_score":-0.00317534152418375},{"text":"Just just spend one afternoon sorting it for them, please.","start":1984.12,"end":1987.34,"sentiment":"neutral","sentiment_score":0.020831237733364105},{"text":"Paula, I did you have to fly across to go through all of their boxes?","start":1992.215,"end":2001.835,"sentiment":"neutral","sentiment_score":-0.09081768294175466},{"text":"I can picture that everyone's sitting there with a coffee just trolling through paperwork going, what's this one?","start":2014.12,"end":2018.395,"sentiment":"neutral","sentiment_score":0.005931990040052269}],"sentiment":"neutral","sentiment_score":-0.021735481188614975,"num_words":53,"start":1982.04,"end":2018.395},{"sentences":[{"text":"This one's gonna stay on it.","start":2018.395,"end":2019.595,"sentiment":"neutral","sentiment_score":0.13796485277513662},{"text":"This looks important.","start":2019.595,"end":2020.495,"sentiment":"neutral","sentiment_score":-0.009922118236621221},{"text":"Dear.","start":2023.595,"end":2024.075,"sentiment":"neutral","sentiment_score":-0.03593632951378822},{"text":"Well, I'm glad you're sorting that out.","start":2024.075,"end":2025.9349,"sentiment":"neutral","sentiment_score":-0.1866265173469271},{"text":"I wanted to just quickly check with you as well just in terms of goals.","start":2027.8701,"end":2031.3301,"sentiment":"neutral","sentiment_score":0.0002715415631731351}],"sentiment":"neutral","sentiment_score":-0.0168820645485539,"num_words":32,"start":2018.395,"end":2031.3301},{"sentences":[{"text":"We had quite a few different goals listed since you came on board.","start":2032.5901,"end":2036.93,"sentiment":"neutral","sentiment_score":0.035670335906056255},{"text":"Did you end up going on holiday to England?","start":2038.27,"end":2040.53,"sentiment":"neutral","sentiment_score":0.015046969159609742},{"text":"Fantastic.","start":2044.995,"end":2045.475,"sentiment":"neutral","sentiment_score":0.2227831929922104},{"text":"So that one's achieved.","start":2045.475,"end":2046.4551,"sentiment":"neutral","sentiment_score":0.12015203759074211},{"text":"Nine weeks.","start":2048.2751,"end":2048.915,"sentiment":"neutral","sentiment_score":0.08013107627630234}],"sentiment":"neutral","sentiment_score":0.050441054659413884,"num_words":29,"start":2032.5901,"end":2048.915},{"sentences":[{"text":"Wow.","start":2048.915,"end":2049.415,"sentiment":"neutral","sentiment_score":0.13930249214172363},{"text":"K.","start":2049.715,"end":2050.215,"sentiment":"neutral","sentiment_score":0.14146682620048523},{"text":"We you were gonna look at maybe an investment property.","start":2055.25,"end":2057.8098,"sentiment":"neutral","sentiment_score":0.04994437675923109},{"text":"Is that on the cards, off the cards?","start":2057.8098,"end":2059.75,"sentiment":"neutral","sentiment_score":0.017090821638703346},{"text":"K.","start":2089.04,"end":2089.3599,"sentiment":"neutral","sentiment_score":-0.024750567972660065}],"sentiment":"neutral","sentiment_score":0.04248519481292793,"num_words":21,"start":2048.915,"end":2089.3599},{"sentences":[{"text":"So that's good for the traveling, and we'll just kind of can the property side of things at the moment.","start":2089.3599,"end":2094.6948,"sentiment":"neutral","sentiment_score":-0.05488552004098892},{"text":"Yep.","start":2096.6748,"end":2096.9949,"sentiment":"neutral","sentiment_score":0.0338653028011322},{"text":"And then outside of that, we still wanna just wanna make sure I think we've got you listed at age 67 for retirement and a bit of a combination with Craig where, let's say, you've got, hopefully, the mortgage paid down as much as possible, and then you'll kind of contribute about 500 a week in today's dollars after tax, and then his will kind of take over the rest.","start":2096.9949,"end":2117.81,"sentiment":"neutral","sentiment_score":0.05549275071493217},{"text":"Nation with partner and mortgage off.","start":2119.9648,"end":2123.025,"sentiment":"neutral","sentiment_score":0.06015514892836412},{"text":"That'll be the main thing.","start":2123.6448,"end":2124.9448,"sentiment":"neutral","sentiment_score":0.12315993010997772}],"sentiment":"neutral","sentiment_score":0.037229196040653716,"num_words":102,"start":2089.3599,"end":2124.9448},{"sentences":[{"text":"Outside of that, you were doing some renovating.","start":2125.2449,"end":2127.9648,"sentiment":"neutral","sentiment_score":0.06377023737877607},{"text":"I think that was initially did you end up finalizing all the renovating?","start":2127.9648,"end":2131.505,"sentiment":"neutral","sentiment_score":0.06684744673279616},{"text":"Yep.","start":2149.0852,"end":2149.5652,"sentiment":"neutral","sentiment_score":0.06773321330547333},{"text":"That's a bit of a twelve month thing.","start":2149.5652,"end":2150.925,"sentiment":"neutral","sentiment_score":-0.07289456063881516},{"text":"And are you still looking at at some point downsizing, or is that with just a bit of a Yeah.","start":2150.925,"end":2167.1199,"sentiment":"neutral","sentiment_score":-0.08027339586988091}],"sentiment":"neutral","sentiment_score":-0.014834249652922153,"num_words":50,"start":2125.2449,"end":2167.1199},{"sentences":[{"text":"Yeah.","start":2173.835,"end":2174.2349,"sentiment":"neutral","sentiment_score":0.030097851529717445},{"text":"And that'll be a nice little way to cap things off because we'll do a few little things here to kind of boost up the super, and you'll be focusing on the mortgage.","start":2174.2349,"end":2182.255,"sentiment":"neutral","sentiment_score":0.3213035118850795},{"text":"And then once you go if you do do a downsize, the debt goes, the super is prepared in a pension.","start":2182.5999,"end":2190.06,"sentiment":"neutral","sentiment_score":0.22826210444881803},{"text":"You've got somewhere that's a bit more practical for the retirement side of things.","start":2190.44,"end":2194.04,"sentiment":"neutral","sentiment_score":0.272589667567185},{"text":"It just kinda ticks about three different boxes for you, and it's usually a pretty good move.","start":2194.04,"end":2198.7551,"sentiment":"neutral","sentiment_score":0.2691908605835017}],"sentiment":"neutral","sentiment_score":0.2769664873607283,"num_words":86,"start":2173.835,"end":2198.7551},{"sentences":[{"text":"Yep.","start":2211.47,"end":2211.97,"sentiment":"neutral","sentiment_score":-0.3096492886543274},{"text":"Yeah.","start":2220.19,"end":2220.69,"sentiment":"neutral","sentiment_score":-0.028175316751003265},{"text":"Is he at a similar age to yourself?","start":2221.325,"end":2223.825,"sentiment":"neutral","sentiment_score":-0.06050528259947896},{"text":"Older, younger?","start":2223.885,"end":2224.785,"sentiment":"neutral","sentiment_score":-0.05361657962203026},{"text":"62.","start":2229.085,"end":2229.9849,"sentiment":"neutral","sentiment_score":0.0007775239646434784}],"sentiment":"neutral","sentiment_score":-0.0714094231908138,"num_words":13,"start":2211.47,"end":2229.9849},{"sentences":[{"text":"K.","start":2230.285,"end":2230.785,"sentiment":"neutral","sentiment_score":0.009858247824013231},{"text":"That's right.","start":2233.74,"end":2234.22,"sentiment":"neutral","sentiment_score":0.1743684485554695},{"text":"So continue on for ten years plus and just keep going kind of thing.","start":2234.22,"end":2237.92,"sentiment":"neutral","sentiment_score":0.13622186545814788},{"text":"Yeah.","start":2244.62,"end":2245.1,"sentiment":"neutral","sentiment_score":0.21802619099617004},{"text":"So what I might do if you want, we can do a bit of a complimentary review just to see if there is anything that we can kind of alter in preparation for retirement.","start":2245.1,"end":2255.805,"sentiment":"neutral","sentiment_score":0.24807844310998917}],"sentiment":"neutral","sentiment_score":0.20996912534778508,"num_words":52,"start":2230.285,"end":2255.805},{"sentences":[{"text":"It's usually a bit of a two step where we review and restructure possibly, and then it's all just strategies in terms of contributions and risk level as you transition across.","start":2255.805,"end":2267.24,"sentiment":"neutral","sentiment_score":0.11396568959518787},{"text":"Yep.","start":2270.98,"end":2271.48,"sentiment":"neutral","sentiment_score":0.05025854334235191},{"text":"Well, I'll give you a moment to kind of obviously have that chat with him, and then I'll get the girls to kind of reach out and see if they can book a time to see if he'll go through that research with us so that we can at least see if there is anything we can do to help.","start":2278.355,"end":2293.75,"sentiment":"neutral","sentiment_score":0.20633246675133704},{"text":"Alrighty.","start":2297.01,"end":2297.51,"sentiment":"neutral","sentiment_score":0.24192509055137632},{"text":"Outside of that, do you have any other questions for me before I kind of cap off the review?","start":2297.57,"end":2302.4702,"sentiment":"neutral","sentiment_score":0.08692755667786849}],"sentiment":"neutral","sentiment_score":0.15943474636878818,"num_words":112,"start":2255.805,"end":2302.4702},{"sentences":[{"text":"K.","start":2305.2148,"end":2305.695,"sentiment":"neutral","sentiment_score":0.08688925206661224},{"text":"So when it comes to the review at the moment, I was wanting to kind of line up your next review possibly in twelve months' time to go over, obviously, the updated contribution, salary packaging, and pre retirement planning.","start":2305.695,"end":2320.34,"sentiment":"neutral","sentiment_score":0.14927211900552115},{"text":"Are you okay for a twelve month catch up frequency?","start":2321.6,"end":2324.5,"sentiment":"neutral","sentiment_score":0.12132223546504975},{"text":"Would you like me to schedule in, like, six months, quarterly, anything more frequent?","start":2324.56,"end":2329.46,"sentiment":"neutral","sentiment_score":0.12350269513470787},{"text":"Yeah.","start":2340.305,"end":2340.805,"sentiment":"neutral","sentiment_score":0.0165826715528965}],"sentiment":"neutral","sentiment_score":0.13642068694417292,"num_words":65,"start":2305.2148,"end":2340.805},{"sentences":[{"text":"Just reach out.","start":2342.16,"end":2343.1199,"sentiment":"neutral","sentiment_score":0.11052354176839192},{"text":"We can always book in an ad hoc consultation at any point, especially if there's been any significant change or or anything that you need to change.","start":2343.1199,"end":2351.3,"sentiment":"neutral","sentiment_score":0.09499034513201979},{"text":"So with the the documents that I've sent through to you in the annual review pack, it does include an updated service agreement with financial services guide with our updated licensing information.","start":2353.5999,"end":2365.295,"sentiment":"neutral","sentiment_score":0.20754913799464703},{"text":"So just so that you've got that in the back of your mind, we've got the fees are still 1.65%, and then that's split into the little monthly payments.","start":2365.835,"end":2374.75,"sentiment":"neutral","sentiment_score":0.2162654641373404},{"text":"And your Superfund claims a 15% tax rebate on all expenses as well.","start":2375.21,"end":2380.99,"sentiment":"positive","sentiment_score":0.3410361386262454}],"sentiment":"neutral","sentiment_score":0.19464471751752382,"num_words":104,"start":2342.16,"end":2380.99},{"sentences":[{"text":"If you do recommend Cray to receive advice as well, we do offer partnership discounts to 1.1%, which would drop a bit of that off too.","start":2381.465,"end":2391.405,"sentiment":"neutral","sentiment_score":0.2529207043922864},{"text":"K?","start":2392.745,"end":2393.245,"sentiment":"neutral","sentiment_score":0.0898444652557373},{"text":"Now have you ever used our new Odoo sign system before?","start":2393.545,"end":2396.925,"sentiment":"neutral","sentiment_score":0.09362236579710786},{"text":"K.","start":2399.53,"end":2399.8499,"sentiment":"neutral","sentiment_score":0.06766854226589203},{"text":"So the quick reminder I'll give you for navigating it is the attachments at the bottom of the email are just normal email PDF attachments.","start":2399.8499,"end":2408.1099,"sentiment":"neutral","sentiment_score":0.07910433158278465}],"sentiment":"neutral","sentiment_score":0.152201650547795,"num_words":64,"start":2381.465,"end":2408.1099},{"sentences":[{"text":"The actual sign link will ask you to consent first through electronic signature, then it'll open up the documents for you to scroll through and read.","start":2408.73,"end":2419.145,"sentiment":"neutral","sentiment_score":0.1052230424605883},{"text":"When you're ready to sign them, you just click the purple buttons to bring you to the signature spot.","start":2419.365,"end":2423.865,"sentiment":"neutral","sentiment_score":0.1150539987965634},{"text":"It'll automatically stamp a signature and date on.","start":2424.3699,"end":2427.97,"sentiment":"neutral","sentiment_score":0.10610630176961422},{"text":"But if you wanna draw your signature to match your license, you can just click on it, and there'll be a pop up to let you draw it.","start":2427.97,"end":2434.07,"sentiment":"neutral","sentiment_score":0.1048089861869812},{"text":"Okay.","start":2436.385,"end":2436.885,"sentiment":"neutral","sentiment_score":0.08770111203193665}],"sentiment":"neutral","sentiment_score":0.10723205146993078,"num_words":82,"start":2408.73,"end":2436.885},{"sentences":[{"text":"Perfect.","start":2438.705,"end":2439.205,"sentiment":"positive","sentiment_score":0.339205265045166},{"text":"Alright.","start":2439.985,"end":2440.485,"sentiment":"neutral","sentiment_score":0.1559583842754364},{"text":"Pull up.","start":2440.5452,"end":2441.2852,"sentiment":"neutral","sentiment_score":0.03859999682754278},{"text":"Yes.","start":2443.985,"end":2444.385,"sentiment":"neutral","sentiment_score":0.06291447579860687},{"text":"I did send it through to your BigPond.","start":2444.385,"end":2446.385,"sentiment":"neutral","sentiment_score":0.06063768453896046}],"sentiment":"neutral","sentiment_score":0.0861830457758445,"num_words":13,"start":2438.705,"end":2446.385},{"sentences":[{"text":"Did you end up getting that at the start of the call?","start":2446.385,"end":2448.63,"sentiment":"neutral","sentiment_score":0.022014370188117027},{"text":"It should come up with a Oakview Financial signature request and your review pack with your name on it.","start":2464.405,"end":2470.825,"sentiment":"neutral","sentiment_score":0.2085028228006865},{"text":"Sometimes it goes to the old spam box, sometimes the main inbox for the first one.","start":2475.46,"end":2480.1199,"sentiment":"neutral","sentiment_score":-0.027486773673444986},{"text":"There we go.","start":2499.89,"end":2500.79,"sentiment":"neutral","sentiment_score":0.03248273332913717},{"text":"Oh, that's Yeah.","start":2530.48,"end":2533.715,"sentiment":"neutral","sentiment_score":-0.16672449310620627}],"sentiment":"neutral","sentiment_score":0.06383419655404,"num_words":53,"start":2446.385,"end":2533.715},{"sentences":[{"text":"Now, Paula, while you're going through that, I just wanted to ask you in terms of our next catch up for the insurance reduction.","start":2545.07,"end":2550.77,"sentiment":"neutral","sentiment_score":0.021503818104974926},{"text":"Do you have a lot of availability towards the end of June or the first week of July?","start":2551.15,"end":2556.05,"sentiment":"neutral","sentiment_score":0.02336871572252777},{"text":"Would it be pretty easy to schedule in a time with you, or is there a period that's no good?","start":2556.19,"end":2560.61,"sentiment":"neutral","sentiment_score":0.01667921952903271},{"text":"Mondays are a good day.","start":2563.595,"end":2564.635,"sentiment":"neutral","sentiment_score":0.3302758276462555},{"text":"Because what I'm gonna do is my team's just gonna do that reduction quote in between now and then.","start":2564.635,"end":2571.375,"sentiment":"neutral","sentiment_score":0.1902255741389174}],"sentiment":"neutral","sentiment_score":0.07599974366251466,"num_words":86,"start":2545.07,"end":2571.375},{"sentences":[{"text":"I'm actually about to go on some brief paternity leave.","start":2571.515,"end":2576.29,"sentiment":"neutral","sentiment_score":0.12037307173013687},{"text":"My third child is on the way, mid June.","start":2576.35,"end":2578.77,"sentiment":"neutral","sentiment_score":0.24041862371895048},{"text":"Thank you.","start":2578.83,"end":2579.57,"sentiment":"positive","sentiment_score":0.6498760282993317},{"text":"Thank you.","start":2580.9102,"end":2581.55,"sentiment":"positive","sentiment_score":0.5716429948806763},{"text":"So what I'll do be doing is they'll put the plan together and the reduction in between.","start":2581.55,"end":2585.87,"sentiment":"neutral","sentiment_score":0.16403826852055156}],"sentiment":"neutral","sentiment_score":0.2149796735495329,"num_words":40,"start":2571.515,"end":2585.87},{"sentences":[{"text":"And then as soon as I get back to the office towards the third week of June, I'm just gonna get you booked in to quickly go through that before your anniversary date for the premiums.","start":2585.87,"end":2596.0051,"sentiment":"neutral","sentiment_score":0.08161644068443114},{"text":"Worst case scenario, if that does come out just before we reduce it, they will still give you a pro rata refund.","start":2597.665,"end":2604.67,"sentiment":"neutral","sentiment_score":-0.0759783625941385},{"text":"So if it's two days into the new year, they'll refund, you know, 99.8% of it back as long as we get it all done before your next birthday, which impacts pricing, which is October.","start":2604.97,"end":2617.21,"sentiment":"neutral","sentiment_score":0.024783590276326452},{"text":"So that's perfect.","start":2617.21,"end":2618.325,"sentiment":"neutral","sentiment_score":0.25598427653312683},{"text":"Alright.","start":2621.665,"end":2621.905,"sentiment":"neutral","sentiment_score":0.18447166681289673}],"sentiment":"neutral","sentiment_score":0.03181977364589873,"num_words":97,"start":2585.87,"end":2621.905},{"sentences":[{"text":"I'm just gonna say Monday's preferable and end of June, early July.","start":2621.905,"end":2629.7651,"sentiment":"neutral","sentiment_score":0.18383583426475525},{"text":"Perfect.","start":2630.1802,"end":2630.6802,"sentiment":"positive","sentiment_score":0.4849410653114319},{"text":"Any other questions for me, Paula, before I let you go?","start":2630.9001,"end":2633.32,"sentiment":"neutral","sentiment_score":0.14615285328843378},{"text":"I love it.","start":2638.9001,"end":2639.62,"sentiment":"positive","sentiment_score":0.886548658212026},{"text":"Thank you so much for spending the time with me this morning.","start":2639.62,"end":2642.085,"sentiment":"positive","sentiment_score":0.6540540630618731}],"sentiment":"positive","sentiment_score":0.3796653126676877,"num_words":39,"start":2621.905,"end":2642.085},{"sentences":[{"text":"Thank you so much.","start":2644.7249,"end":2645.525,"sentiment":"positive","sentiment_score":0.7471413612365723},{"text":"I caught the second one.","start":2645.525,"end":2646.565,"sentiment":"neutral","sentiment_score":0.10230917185544967},{"text":"He is hoping I don't with the third.","start":2646.565,"end":2648.345,"sentiment":"neutral","sentiment_score":-0.051266360096633434},{"text":"Alright.","start":2650.805,"end":2651.305,"sentiment":"neutral","sentiment_score":0.07077266275882721},{"text":"See you later, Paula.","start":2651.845,"end":2652.9849,"sentiment":"neutral","sentiment_score":0.2754949554800987}],"sentiment":"neutral","sentiment_score":0.19376058673316782,"num_words":22,"start":2644.7249,"end":2652.9849},{"sentences":[{"text":"Bye.","start":2653.445,"end":2653.945,"sentiment":"neutral","sentiment_score":0.27849942445755005}],"sentiment":"neutral","sentiment_score":0.27849942445755005,"num_words":1,"start":2653.445,"end":2653.945}]}}]},{"alternatives":[{"transcript":"If you called your name and reason for calling, I'll see if this person is available. Thanks, Tommy. Please stay on the line. Hello. Paula speaking. I'm well, Tommy. How are you today? Yeah. No. It's actually quite sunny today in Melbourne as well. Looking alright today. A bit chilly this morning. We've actually had a good weather. We haven't had rain for a while. So I know. Yep. Yeah. That's fine. Yep. Sure. Date of birth is the tenth of the tenth nineteen sixty eight, and address is Number 7 Burke Street, Montmorency, Victoria 3094. Yep. That's fine. Okay. Yep. Look. I I wanna still look again at that insurance and just make sure that's we we did some work on it last time. I think we reduced the inch cover the the I'm not sure if we actually went ahead and did it or we talked about maybe doing it. So I just wanted to touch base with that. And, also, I just wanted to check on this I think I've got another retirement fund coming up and or as in, like, open. And I thought we changed everything over to just the one. So I just wanted to check on that as well, please. Nope. Yep. Correct. Nope. Yep. I've actually have changed my job since I spoke to you last, so that will have to be updated. Yep. Sure. Can you just let me bring that up? Yep. Okay. So the employee is APNA, so a p n a. And I am the clinical administration lead for them. And I'm just think my wage has gone up as well. So yeah. I know. Right? Let me just pretty much four days. So but it's work from home, so that's nice as well. So oh, no. Yeah. I go into the city once a week on a Thursday. Just into the city, but even that's a little bit you know, if you feel like it. Oh, where can I find my payslip? Oh, yeah. That's yes. It is. You're right. Employment Hero. I had to go to my head around which one it was in. Yeah. I was in Employment Hero. Hang on. Alright. Okay. Awesome. Just got a message from Telstra. They're updating MBN as of today at 10:45. Yeah. Cheers for the morning. No. That's the same. One, two, three. Yep. Three cars, a boat, and now a caravan. Yep. No. No. No. No. No. Nothing going on that. Probably about 60,000. Well, actually, Craig's parents both passed away within that year, so there was a a small inheritance there. And that's what we use to face it. So got a look at now with that as well, which has just come through in the last couple of weeks. So, yeah, so about 25,000. No. It's not a 100% yet, but it's actually in the process now. So I'm just waiting to go back and sign all of that. It will be done. Yeah. It was for me, man. I'll tell you. I'll just see. It's just not my friend's name. I'm gonna say it's 60,000. It's around about that. Yeah. No. I'm pretty sure that's close to what it is anyway. So it's just Yep. We've just sort of rejigged it a little bit. So we've set it up so that MyWage pays the house loan, you know, some your private health and, you know, subscriptions and stuff. So that way, we're not you know, we're always waiting because Craig's self employed. So sometimes waiting on money to come in was always a bit of an issue. So that way now, we're not having to worry about those sorts of things. There's enough in there to cover all of that. And then whenever his payments come in, he'll just not put extra through. But he yeah. He's got a savings. He saves a little bit as well. He's also got some cash as well that he's saving. So yeah. So at the moment, he's just pretty regular because he's he's got a a contract that's got about twelve months to run. So, yeah, it's getting about three three, I guess. He gets in about every ten days or so. Yep. Yep. Yeah. I have. I do. From net Netwealth is the company that has sent it to me. And I've got a feeling this is an old National Mutual account, which I had, like, a million years ago. What do you need with that? It's called the well, it's called the fund name is the National Mutual Retirement Fund. Mhmm. They did. Yeah. No. Netwealth has sent it to me. Yep. I do. I'm just wondering if they changed their name or something somewhere along the way. And I thought we'd actually already, like, rolled all of these over into just one. Yes. Yeah. Yes. Okay. And why? I know I saw it. It popped up enough. Okay. That's come up, and I need it. And I actually took a photo of it, would you believe, so that I'd remember when I was speaking to you guys and thinking then I could just go in and find it on the email. Yeah. Might actually just forward you the first time. It's funny. I've just googled I've just searched the actual email, but it's not coming up with anything for this year and yet. I'm positive. Yeah. Date paid sixteenth to the seventh twenty twenty five. Okay. Maybe it was an old one. This was last year. Oh, weird that that just popped up again. Okay. Sorry. I'm looking at this and it yeah. Okay. So this came out no. The one I'm looking at actually is dated the 07/16/2025. I don't know why it jumped up to the top of my I'll just send you a copy of that anyway if you like further. Okay. That makes sense. Yep. Yep. Go for it. Yep. Yep. Okay. That is the photo of that. Yep. That's gone. Yeah. I just it's the only one we've really got, so we've kinda held on to it because it was such a like, at the time, I was actually working for a finance broker or an insurance broker. Sorry. And I think he sort of was the one that pushed that to put it in my name at the time. But that was, like, back when I had, like, young kids and stuff as well. So I think it was a way of, like, securing something if something has happened to Craig or if something has happened to me rather than Craig so that he would then be able to, you know, access money to help with stuff. So I mean, I kinda just forgot about it because everything to do with that guy just gives me the heebie jeebies, and I don't want to think about him really. But yeah. And so now it's just like it kept keeps coming up, you know, every every year, and I'm like, it's a fairly big sum insured. And we did re I'm pretty sure we reduced that. I'm pretty sure it was over 1,000,000 at one point, so we did obviously reduce it last year. Yeah. Okay. Yeah. Yeah. Okay. So what's your advice on that? Yep. Yeah. Exactly. Yeah. Yeah. Yeah. I reckon we drop it now a little bit. Maybe drop it back to, say, 7 100. Yeah. Yep. You said an sorry. Just that's an annual fee. Yeah? Wonderful wonderful thing. Okay. So you can't, like, pay that, like, monthly or anything? It's gonna be paid in. Yeah. Yep. Okay. That's alright. And that's alright. I could cope with that. Okay. Make sure I put the money across. Yep. Yep. Yep. No. Although I this company that I'm working for actually has salary packaging. So I was only on three days a week, so I didn't qualify, but I think I do now. So I'm actually meeting with them just to see if that's something that I can take up as well. So yeah. But not as not actually salary sacrificing anything. Okay. Yep. Mhmm. Yeah. I think this was mentioned last time. So yep. Tax credit. Yep. Yeah. Yep. Yep. Wait a minute. Yep. Yep. Cool. Yep. Yep. Yep. It's a lot to talk about me turning 60, which is really depressing right now, but, yep, sounds good. Like, in my head, I'm like, it's still to you either way. Don't worry about it. That's true. Look on the bright side. Awesome. Yep. Okay. Yep. Yep. Yep. Yep. Yeah. Okay. Yep. Yep. Yeah. Yeah. Yep. Okay. Yep. Yep. That's good. Yep. Yeah. If we were to drop it now to serve to something, is that like, I guess, the things that fairly volatile will stop. So is dropping it now gonna really be that less of a risk? Or I kinda feel like everything's kind of up and down anyway. Is there really any value in dropping it? Am I gonna be at a significantly less risk to drop it is, I guess, what I'm getting at. Yeah. Okay. Yes, sir. Yes. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Okay. Well, I mean, gold's still fairly strong and there's still yeah. I I reckon we just leave it, and we'll look at it again in twelve months. Yeah. Okay. Yeah. Yep. And yeah. Yeah. Yeah. Yeah. Fair. That makes sense. Okay. Let's do it now. Yeah. Yep. That sounds reasonable. Yeah. Yeah. Okay. That's okay. Yeah. No. I think we'll stick yep. Stick with that plan. Mhmm. Yep. Sounds good. Mhmm. Yep. Mhmm. Yes. Okay. Yep. Yep. Yeah. I did. Yep. I did see that. Yep. Yep. It happened. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Mhmm. Good planning. Yeah. Yes. Yep. Yep. Okay. Cool. And then do I need to let you know once I organize something with the salary packaging or salary? Yep. Yep. Okay. Cool. Alright. Sweet. Yes. We are. Yep. That's correct. Yep. Yep. And, yeah, like, that's where the wheel has gone down that path. We've just got two kids, so that's it's pretty straightforward. It'll just be split between, and they'll be joint executives. So it won't be too too complicated. No. Yep. I mean yeah. That's true. Trying to clean things up as much as we can before. Had a good good example of my dad. He called me up about, I don't know, eight months ago or so, and he's like, oh, just letting you know that, you know, which I knew I was his power of attorney and that. But he's, like, got a folder, and he goes, I've got this folder. He goes, it's got all my passwords. It's got all my insurances. He's listed everything out. They've prepaid their bills. I'm like, okay. I need to do that because that was such a, like, relief for me thinking because I end up being executive for both Craig's parents, and it's just such a minefield, particularly when his dad had shares and stuff as well. So, yeah, it was pretty for one, and I was like, oh god. Then if we have to go through all that again, but this time, it'll be much easier because he's done the work. So I figured that's what I should do with my kids. Yeah. That's it. My kids deserve that. So I'll try and try and get it all in order. Yep. Oh, no. It's the one who had to figure it out. That's just not fun. Trying to go through and they they lived in Perth. We had to be, like going over and just, like, crawling through paperwork and stuff that he'd held for like, his shared portfolio was all handwritten, and he used to, like, sit at the table and update it every week. And, honestly, you know, I don't know. I was just, like, looking at it, and I was like, oh my god. But yeah. He yeah. Yeah. And that's pretty much what it was. We were finding stuff left, right, and center. I was like, oh god. So, yeah, let's not do that. Yeah. Let's not do that. Yep. Yep. We did. Yep. Yeah. We did the big Europe, UK trip. We were away for nine weeks. That was amazing. Yep. Yeah. Well, it was it was brilliant. Loved it. It was really, really good. Okay. So we didn't go down investment property route. We have bought into a fractional ownership with our timeshare, which we've been in for twenty odd years. We've we've went fractional with them. So look. I don't know that there's any huge return financially at the end, but it gave us a lot better benefits for traveling, like, over the next ten years sort of thing. So, yeah, I'm not sure how that I think so for the moment. Yeah. Yep. Yep. Yep. Yep. Correct. It's not finished, but it's well and truly on its way. So we've done the front house front part, and we've got the next door is up. We just now gathered the back of the house, and we're halfway through finishing that. So that should possibly be completed, I'd say, early next year. Fingers crossed. I think so. Yeah. I mean, Craig's not as keen, but we've got, like, 30 upstairs to the upper level, and that's not gonna be practical, you know, if if we were to lose our mobility or whatever. So but probably, you know, that's probably, in his eyes, ten years down the track. In mine, maybe about eight, nine. But yeah. Yeah. Yeah. Because the other the other thing I was going to ask too is I feel like, and I mentioned it last year to him that he's just really bad with stuff like this, but I really would like them to take a look at Craig's situation. His soup is not great, and so it's not but I just feel like there's probably a better way for him to at least have a plan and a strategy. So I don't know how we go about doing that. Now he's older than me, so he's 62. And he's got no no plans of retiring. So that's that's yeah. He's just he's one of those weird people that actually loves his work and just wants to keep doing it. But he's happy to travel in between. So yep. Yep. Yep. Yeah. I I think he needs to like, he's super busy. Just always I think it's always been with. And I just said to him, we need to look at that and just do something that's a little bit, I think, a little bit better than that. So yep. Yep. Yep. Yeah. Sounds good. No. I think that's all good. Yep. Let's stick with the twelve months for now. If anything drastically changes, then I'll contact you guys and see if we can bring it forward maybe. Yep. Mhmm. Alright. Yep. Okay. Cool. I think I did last time. Okay. Yes. Yes. Yes. Cool. Yeah. I've used them before. Now can I just ask, have you already sent anything through? I think I did my computer. Just I thought I was just looking through my email thinking I'm not it hasn't updated. It's fine now. Yeah. That's what I'm thinking. There it is. K. I'm just gonna make you a trusted. I have to pick up the right laptop. I'm trying to pick up my work tablet, and I'm like, oh, why is it not coming up? Probably because that's not the right code for Yeah. Okay. Here we go. Yep. Yep. Yeah. Yeah. No. That's okay. Mondays are a good day for me. Yep. Oh, that's exciting. Congratulations. Yep. Yep. Perfect. Yep. Yeah. Yep. Yep. Gotcha. Yep. Okay. Nope. I think it's good. Thank you. It's been really informative and helpful. Alright. And good luck with the birth of the third. Alright. I'll talk to you soon. Fingers crossed. Alright. Thanks, Zoe. Have a good day. 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you called your name and reason for calling, I'll see if this person is available. Thanks, Tommy. Please stay on the line. Hello. Paula speaking.\n\nI'm well, Tommy. How are you today? Yeah. No. It's actually quite sunny today in Melbourne as well.\n\nLooking alright today. A bit chilly this morning. We've actually had a good weather. We haven't had rain for a while. So I know.\n\nYep. Yeah. That's fine. Yep. Sure.\n\nDate of birth is the tenth of the tenth nineteen sixty eight, and address is Number 7 Burke Street, Montmorency, Victoria 3094. Yep. That's fine. Okay. Yep.\n\nLook. I I wanna still look again at that insurance and just make sure that's we we did some work on it last time. I think we reduced the inch cover the the I'm not sure if we actually went ahead and did it or we talked about maybe doing it. So I just wanted to touch base with that. And, also, I just wanted to check on this I think I've got another retirement fund coming up and or as in, like, open.\n\nAnd I thought we changed everything over to just the one. So I just wanted to check on that as well, please. Nope. Yep. Correct.\n\nNope. Yep. I've actually have changed my job since I spoke to you last, so that will have to be updated. Yep. Sure.\n\nCan you just let me bring that up? Yep. Okay. So the employee is APNA, so a p n a. And I am the clinical administration lead for them.\n\nAnd I'm just think my wage has gone up as well. So yeah. I know. Right? Let me just pretty much four days.\n\nSo but it's work from home, so that's nice as well. So oh, no. Yeah. I go into the city once a week on a Thursday. Just into the city, but even that's a little bit you know, if you feel like it.\n\nOh, where can I find my payslip? Oh, yeah. That's yes. It is. You're right.\n\nEmployment Hero. I had to go to my head around which one it was in. Yeah. I was in Employment Hero. Hang on.\n\nAlright. Okay. Awesome. Just got a message from Telstra. They're updating MBN as of today at 10:45.\n\nYeah. Cheers for the morning. No. That's the same. One, two, three.\n\nYep. Three cars, a boat, and now a caravan. Yep. No. No.\n\nNo. No. No. Nothing going on that. Probably about 60,000.\n\nWell, actually, Craig's parents both passed away within that year, so there was a a small inheritance there. And that's what we use to face it. So got a look at now with that as well, which has just come through in the last couple of weeks. So, yeah, so about 25,000. No.\n\nIt's not a 100% yet, but it's actually in the process now. So I'm just waiting to go back and sign all of that. It will be done. Yeah. It was for me, man.\n\nI'll tell you. I'll just see. It's just not my friend's name. I'm gonna say it's 60,000. It's around about that.\n\nYeah. No. I'm pretty sure that's close to what it is anyway. So it's just Yep. We've just sort of rejigged it a little bit.\n\nSo we've set it up so that MyWage pays the house loan, you know, some your private health and, you know, subscriptions and stuff. So that way, we're not you know, we're always waiting because Craig's self employed. So sometimes waiting on money to come in was always a bit of an issue. So that way now, we're not having to worry about those sorts of things. There's enough in there to cover all of that.\n\nAnd then whenever his payments come in, he'll just not put extra through. But he yeah. He's got a savings. He saves a little bit as well. He's also got some cash as well that he's saving.\n\nSo yeah. So at the moment, he's just pretty regular because he's he's got a a contract that's got about twelve months to run. So, yeah, it's getting about three three, I guess. He gets in about every ten days or so. Yep.\n\nYep. Yeah. I have. I do. From net Netwealth is the company that has sent it to me.\n\nAnd I've got a feeling this is an old National Mutual account, which I had, like, a million years ago. What do you need with that? It's called the well, it's called the fund name is the National Mutual Retirement Fund. Mhmm. They did.\n\nYeah. No. Netwealth has sent it to me. Yep. I do.\n\nI'm just wondering if they changed their name or something somewhere along the way. And I thought we'd actually already, like, rolled all of these over into just one. Yes. Yeah. Yes.\n\nOkay. And why? I know I saw it. It popped up enough. Okay.\n\nThat's come up, and I need it. And I actually took a photo of it, would you believe, so that I'd remember when I was speaking to you guys and thinking then I could just go in and find it on the email. Yeah. Might actually just forward you the first time. It's funny.\n\nI've just googled I've just searched the actual email, but it's not coming up with anything for this year and yet. I'm positive. Yeah. Date paid sixteenth to the seventh twenty twenty five. Okay.\n\nMaybe it was an old one. This was last year. Oh, weird that that just popped up again. Okay. Sorry.\n\nI'm looking at this and it yeah. Okay. So this came out no. The one I'm looking at actually is dated the 07/16/2025. I don't know why it jumped up to the top of my I'll just send you a copy of that anyway if you like further.\n\nOkay. That makes sense. Yep. Yep. Go for it.\n\nYep. Yep. Okay. That is the photo of that. Yep.\n\nThat's gone. Yeah. I just it's the only one we've really got, so we've kinda held on to it because it was such a like, at the time, I was actually working for a finance broker or an insurance broker. Sorry. And I think he sort of was the one that pushed that to put it in my name at the time.\n\nBut that was, like, back when I had, like, young kids and stuff as well. So I think it was a way of, like, securing something if something has happened to Craig or if something has happened to me rather than Craig so that he would then be able to, you know, access money to help with stuff. So I mean, I kinda just forgot about it because everything to do with that guy just gives me the heebie jeebies, and I don't want to think about him really. But yeah. And so now it's just like it kept keeps coming up, you know, every every year, and I'm like, it's a fairly big sum insured.\n\nAnd we did re I'm pretty sure we reduced that. I'm pretty sure it was over 1,000,000 at one point, so we did obviously reduce it last year. Yeah. Okay. Yeah.\n\nYeah. Okay. So what's your advice on that? Yep. Yeah.\n\nExactly. Yeah. Yeah. Yeah. I reckon we drop it now a little bit.\n\nMaybe drop it back to, say, 7 100. Yeah. Yep. You said an sorry. Just that's an annual fee.\n\nYeah? Wonderful wonderful thing. Okay. So you can't, like, pay that, like, monthly or anything? It's gonna be paid in.\n\nYeah. Yep. Okay. That's alright. And that's alright.\n\nI could cope with that. Okay. Make sure I put the money across. Yep. Yep.\n\nYep. No. Although I this company that I'm working for actually has salary packaging. So I was only on three days a week, so I didn't qualify, but I think I do now. So I'm actually meeting with them just to see if that's something that I can take up as well.\n\nSo yeah. But not as not actually salary sacrificing anything. Okay. Yep. Mhmm.\n\nYeah. I think this was mentioned last time. So yep. Tax credit. Yep.\n\nYeah. Yep. Yep. Wait a minute. Yep.\n\nYep. Cool. Yep. Yep. Yep.\n\nIt's a lot to talk about me turning 60, which is really depressing right now, but, yep, sounds good. Like, in my head, I'm like, it's still to you either way. Don't worry about it. That's true. Look on the bright side.\n\nAwesome. Yep. Okay. Yep. Yep.\n\nYep. Yep. Yeah. Okay. Yep.\n\nYep. Yeah. Yeah. Yep. Okay.\n\nYep. Yep. That's good. Yep. Yeah.\n\nIf we were to drop it now to serve to something, is that like, I guess, the things that fairly volatile will stop. So is dropping it now gonna really be that less of a risk? Or I kinda feel like everything's kind of up and down anyway. Is there really any value in dropping it? Am I gonna be at a significantly less risk to drop it is, I guess, what I'm getting at.\n\nYeah. Okay. Yes, sir. Yes. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Okay. Well, I mean, gold's still fairly strong and there's still yeah. I I reckon we just leave it, and we'll look at it again in twelve months.\n\nYeah. Okay. Yeah. Yep. And yeah.\n\nYeah. Yeah. Yeah. Fair. That makes sense.\n\nOkay. Let's do it now. Yeah. Yep. That sounds reasonable.\n\nYeah. Yeah. Okay. That's okay. Yeah.\n\nNo. I think we'll stick yep. Stick with that plan. Mhmm. Yep.\n\nSounds good. Mhmm. Yep. Mhmm. Yes.\n\nOkay. Yep. Yep. Yeah. I did.\n\nYep. I did see that. Yep. Yep. It happened.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Mhmm. Good planning. Yeah.\n\nYes. Yep. Yep. Okay. Cool.\n\nAnd then do I need to let you know once I organize something with the salary packaging or salary? Yep. Yep. Okay. Cool.\n\nAlright. Sweet. Yes. We are. Yep.\n\nThat's correct. Yep. Yep. And, yeah, like, that's where the wheel has gone down that path. We've just got two kids, so that's it's pretty straightforward.\n\nIt'll just be split between, and they'll be joint executives. So it won't be too too complicated. No. Yep. I mean yeah.\n\nThat's true. Trying to clean things up as much as we can before. Had a good good example of my dad. He called me up about, I don't know, eight months ago or so, and he's like, oh, just letting you know that, you know, which I knew I was his power of attorney and that. But he's, like, got a folder, and he goes, I've got this folder.\n\nHe goes, it's got all my passwords. It's got all my insurances. He's listed everything out. They've prepaid their bills. I'm like, okay.\n\nI need to do that because that was such a, like, relief for me thinking because I end up being executive for both Craig's parents, and it's just such a minefield, particularly when his dad had shares and stuff as well. So, yeah, it was pretty for one, and I was like, oh god. Then if we have to go through all that again, but this time, it'll be much easier because he's done the work. So I figured that's what I should do with my kids. Yeah.\n\nThat's it. My kids deserve that. So I'll try and try and get it all in order. Yep. Oh, no.\n\nIt's the one who had to figure it out. That's just not fun. Trying to go through and they they lived in Perth. We had to be, like going over and just, like, crawling through paperwork and stuff that he'd held for like, his shared portfolio was all handwritten, and he used to, like, sit at the table and update it every week. And, honestly, you know, I don't know.\n\nI was just, like, looking at it, and I was like, oh my god. But yeah. He yeah. Yeah. And that's pretty much what it was.\n\nWe were finding stuff left, right, and center. I was like, oh god. So, yeah, let's not do that. Yeah. Let's not do that.\n\nYep. Yep. We did. Yep. Yeah.\n\nWe did the big Europe, UK trip. We were away for nine weeks. That was amazing. Yep. Yeah.\n\nWell, it was it was brilliant. Loved it. It was really, really good. Okay. So we didn't go down investment property route.\n\nWe have bought into a fractional ownership with our timeshare, which we've been in for twenty odd years. We've we've went fractional with them. So look. I don't know that there's any huge return financially at the end, but it gave us a lot better benefits for traveling, like, over the next ten years sort of thing. So, yeah, I'm not sure how that I think so for the moment.\n\nYeah. Yep. Yep. Yep. Yep.\n\nCorrect. It's not finished, but it's well and truly on its way. So we've done the front house front part, and we've got the next door is up. We just now gathered the back of the house, and we're halfway through finishing that. So that should possibly be completed, I'd say, early next year.\n\nFingers crossed. I think so. Yeah. I mean, Craig's not as keen, but we've got, like, 30 upstairs to the upper level, and that's not gonna be practical, you know, if if we were to lose our mobility or whatever. So but probably, you know, that's probably, in his eyes, ten years down the track.\n\nIn mine, maybe about eight, nine. But yeah. Yeah. Yeah. Because the other the other thing I was going to ask too is I feel like, and I mentioned it last year to him that he's just really bad with stuff like this, but I really would like them to take a look at Craig's situation.\n\nHis soup is not great, and so it's not but I just feel like there's probably a better way for him to at least have a plan and a strategy. So I don't know how we go about doing that. Now he's older than me, so he's 62. And he's got no no plans of retiring. So that's that's yeah.\n\nHe's just he's one of those weird people that actually loves his work and just wants to keep doing it. But he's happy to travel in between. So yep. Yep. Yep.\n\nYeah. I I think he needs to like, he's super busy. Just always I think it's always been with. And I just said to him, we need to look at that and just do something that's a little bit, I think, a little bit better than that. So yep.\n\nYep. Yep. Yeah. Sounds good. No.\n\nI think that's all good. Yep. Let's stick with the twelve months for now. If anything drastically changes, then I'll contact you guys and see if we can bring it forward maybe. Yep.\n\nMhmm. Alright. Yep. Okay. Cool.\n\nI think I did last time. Okay. Yes. Yes. Yes.\n\nCool. Yeah. I've used them before. Now can I just ask, have you already sent anything through? I think I did my computer.\n\nJust I thought I was just looking through my email thinking I'm not it hasn't updated. It's fine now. Yeah. That's what I'm thinking. There it is.\n\nK. I'm just gonna make you a trusted. I have to pick up the right laptop. I'm trying to pick up my work tablet, and I'm like, oh, why is it not coming up? Probably because that's not the right code for Yeah.\n\nOkay. Here we go. Yep. Yep. Yeah.\n\nYeah. No. That's okay. Mondays are a good day for me. Yep.\n\nOh, that's exciting. Congratulations. Yep. Yep. Perfect.\n\nYep. Yeah. Yep. Yep. Gotcha.\n\nYep. Okay. Nope. I think it's good. Thank you.\n\nIt's been really informative and helpful. Alright. And good luck with the birth of the third. Alright. I'll talk to you soon.\n\nFingers crossed. Alright. Thanks, Zoe. Have a good day. Bye.","paragraphs":[{"sentences":[{"text":"If you called your name and reason for calling, I'll see if this person is available.","start":0.24,"end":4.42,"sentiment":"neutral","sentiment_score":0.004394205694552511},{"text":"Thanks, Tommy.","start":13.5199995,"end":14.5,"sentiment":"positive","sentiment_score":0.3369936943054199},{"text":"Please stay on the line.","start":14.804999,"end":15.945,"sentiment":"neutral","sentiment_score":0.17874568998813628},{"text":"Hello.","start":18.005,"end":18.404999,"sentiment":"neutral","sentiment_score":0.08477849513292313},{"text":"Paula speaking.","start":18.404999,"end":19.224998,"sentiment":"neutral","sentiment_score":0.0784790851175785}],"sentiment":"neutral","sentiment_score":0.07229845365509391,"num_words":26,"start":0.24,"end":19.224998},{"sentences":[{"text":"I'm well, Tommy.","start":24.005,"end":24.884998,"sentiment":"neutral","sentiment_score":0.28262612223625183},{"text":"How are you today?","start":24.884998,"end":25.865,"sentiment":"neutral","sentiment_score":0.24518224969506264},{"text":"Yeah.","start":30.380001,"end":30.7,"sentiment":"neutral","sentiment_score":0.08563558757305145},{"text":"No.","start":30.7,"end":30.86,"sentiment":"neutral","sentiment_score":0.030970288440585136},{"text":"It's actually quite sunny today in Melbourne as well.","start":30.86,"end":33.1,"sentiment":"neutral","sentiment_score":0.1230973568227556}],"sentiment":"neutral","sentiment_score":0.16961608071708018,"num_words":18,"start":24.005,"end":33.1},{"sentences":[{"text":"Looking alright today.","start":33.1,"end":34.24,"sentiment":"neutral","sentiment_score":0.15861672163009644},{"text":"A bit chilly this morning.","start":34.3,"end":35.6,"sentiment":"neutral","sentiment_score":0.1263415515422821},{"text":"We've actually had a good weather.","start":36.86,"end":38.22,"sentiment":"neutral","sentiment_score":0.22071346640586853},{"text":"We haven't had rain for a while.","start":38.22,"end":39.58,"sentiment":"neutral","sentiment_score":0.017281985442553247},{"text":"So I know.","start":39.58,"end":44.495,"sentiment":"neutral","sentiment_score":0.11853289107481639}],"sentiment":"neutral","sentiment_score":0.12118380384830137,"num_words":24,"start":33.1,"end":44.495},{"sentences":[{"text":"Yep.","start":45.795,"end":46.295,"sentiment":"neutral","sentiment_score":0.09374552965164185},{"text":"Yeah.","start":47.875,"end":48.035,"sentiment":"neutral","sentiment_score":0.09513190388679504},{"text":"That's fine.","start":48.035,"end":48.855,"sentiment":"neutral","sentiment_score":0.1973535418510437},{"text":"Yep.","start":53.635002,"end":54.135002,"sentiment":"neutral","sentiment_score":0.03119324706494808},{"text":"Sure.","start":68.840004,"end":69.340004,"sentiment":"neutral","sentiment_score":0.02823210135102272}],"sentiment":"neutral","sentiment_score":0.10716831094274919,"num_words":6,"start":45.795,"end":69.340004},{"sentences":[{"text":"Date of birth is the tenth of the tenth nineteen sixty eight, and address is Number 7 Burke Street, Montmorency, Victoria 3094.","start":69.880005,"end":78.125,"sentiment":"neutral","sentiment_score":0.023274267685006966},{"text":"Yep.","start":88.03,"end":88.43,"sentiment":"neutral","sentiment_score":0.07238022983074188},{"text":"That's fine.","start":88.43,"end":89.33,"sentiment":"neutral","sentiment_score":0.1437823735177517},{"text":"Okay.","start":105.415,"end":105.915,"sentiment":"neutral","sentiment_score":0.08529005944728851},{"text":"Yep.","start":106.055,"end":106.555,"sentiment":"neutral","sentiment_score":0.06732147186994553}],"sentiment":"neutral","sentiment_score":0.03794779249087528,"num_words":27,"start":69.880005,"end":106.555},{"sentences":[{"text":"Look.","start":112.35,"end":112.75,"sentiment":"neutral","sentiment_score":0.00007075763278407976},{"text":"I I wanna still look again at that insurance and just make sure that's we we did some work on it last time.","start":112.75,"end":120.19,"sentiment":"neutral","sentiment_score":0.017306685042770012},{"text":"I think we reduced the inch cover the the I'm not sure if we actually went ahead and did it or we talked about maybe doing it.","start":120.19,"end":128.005,"sentiment":"neutral","sentiment_score":-0.0641037351279347},{"text":"So I just wanted to touch base with that.","start":128.005,"end":130.105,"sentiment":"neutral","sentiment_score":0.04469939445455869},{"text":"And, also, I just wanted to check on this I think I've got another retirement fund coming up and or as in, like, open.","start":130.485,"end":141.545,"sentiment":"neutral","sentiment_score":0.03067734674550593}],"sentiment":"neutral","sentiment_score":-0.0023110174149353823,"num_words":84,"start":112.35,"end":141.545},{"sentences":[{"text":"And I thought we changed everything over to just the one.","start":141.88,"end":144.84,"sentiment":"neutral","sentiment_score":-0.018686910583214325},{"text":"So I just wanted to check on that as well, please.","start":144.84,"end":147.74,"sentiment":"neutral","sentiment_score":0.10874527895992453},{"text":"Nope.","start":168.905,"end":169.405,"sentiment":"neutral","sentiment_score":0.009243542328476906},{"text":"Yep.","start":180.36,"end":180.76,"sentiment":"neutral","sentiment_score":0.024014167487621307},{"text":"Correct.","start":180.76,"end":181.26,"sentiment":"neutral","sentiment_score":0.0396234355866909}],"sentiment":"neutral","sentiment_score":0.042540927901864055,"num_words":25,"start":141.88,"end":181.26},{"sentences":[{"text":"Nope.","start":183.4,"end":183.9,"sentiment":"neutral","sentiment_score":-0.02163620851933956},{"text":"Yep.","start":189.60501,"end":190.10501,"sentiment":"neutral","sentiment_score":-0.003967882599681616},{"text":"I've actually have changed my job since I spoke to you last, so that will have to be updated.","start":193.205,"end":197.945,"sentiment":"neutral","sentiment_score":-0.021216758330793756},{"text":"Yep.","start":198.95,"end":199.45,"sentiment":"neutral","sentiment_score":0.029863018542528152},{"text":"Sure.","start":199.75,"end":200.06999,"sentiment":"neutral","sentiment_score":0.04525589197874069}],"sentiment":"neutral","sentiment_score":-0.015374069081862335,"num_words":23,"start":183.4,"end":200.06999},{"sentences":[{"text":"Can you just let me bring that up?","start":200.06999,"end":202.65,"sentiment":"neutral","sentiment_score":0.02852306654676795},{"text":"Yep.","start":207.11,"end":207.61,"sentiment":"neutral","sentiment_score":0.017764488235116005},{"text":"Okay.","start":209.91,"end":210.31,"sentiment":"neutral","sentiment_score":0.02512397989630699},{"text":"So the employee is APNA, so a p n a.","start":210.31,"end":214.25,"sentiment":"neutral","sentiment_score":0.024242285266518594},{"text":"And I am the clinical administration lead for them.","start":216.625,"end":222.965,"sentiment":"neutral","sentiment_score":0.022105189454224374}],"sentiment":"neutral","sentiment_score":0.02456698476754386,"num_words":29,"start":200.06999,"end":222.965},{"sentences":[{"text":"And I'm just think my wage has gone up as well.","start":227.745,"end":231.40001,"sentiment":"neutral","sentiment_score":0.039166226305744865},{"text":"So yeah.","start":231.40001,"end":233.95999,"sentiment":"neutral","sentiment_score":0.15033401548862457},{"text":"I know.","start":233.95999,"end":234.36,"sentiment":"neutral","sentiment_score":0.10344548895955086},{"text":"Right?","start":234.36,"end":234.86,"sentiment":"neutral","sentiment_score":0.0959872156381607},{"text":"Let me just pretty much four days.","start":237.08,"end":243.64,"sentiment":"neutral","sentiment_score":0.0747039190360478}],"sentiment":"neutral","sentiment_score":0.06770878900652347,"num_words":23,"start":227.745,"end":243.64},{"sentences":[{"text":"So but it's work from home, so that's nice as well.","start":243.64,"end":247.225,"sentiment":"positive","sentiment_score":0.3714731267907403},{"text":"So oh, no.","start":247.225,"end":249.485,"sentiment":"neutral","sentiment_score":0.15306535363197327},{"text":"Yeah.","start":249.94499,"end":250.265,"sentiment":"neutral","sentiment_score":0.1746584326028824},{"text":"I go into the city once a week on a Thursday.","start":250.265,"end":252.845,"sentiment":"neutral","sentiment_score":0.04829429885880514},{"text":"Just into the city, but even that's a little bit you know, if you feel like it.","start":253.145,"end":258.44,"sentiment":"neutral","sentiment_score":0.024491334334015846}],"sentiment":"neutral","sentiment_score":0.13180578742609467,"num_words":43,"start":243.64,"end":258.44},{"sentences":[{"text":"Oh, where can I find my payslip?","start":260.74002,"end":262.36002,"sentiment":"neutral","sentiment_score":-0.004249365867248603},{"text":"Oh, yeah.","start":268.90002,"end":269.30002,"sentiment":"neutral","sentiment_score":-0.021556170657277107},{"text":"That's yes.","start":269.30002,"end":270.905,"sentiment":"neutral","sentiment_score":-0.008301329333335161},{"text":"It is.","start":270.905,"end":271.385,"sentiment":"neutral","sentiment_score":-0.011291924864053726},{"text":"You're right.","start":271.385,"end":271.865,"sentiment":"neutral","sentiment_score":-0.020887327380478382}],"sentiment":"neutral","sentiment_score":-0.010254604369401931,"num_words":15,"start":260.74002,"end":271.865},{"sentences":[{"text":"Employment Hero.","start":271.865,"end":272.665,"sentiment":"neutral","sentiment_score":-0.01152385026216507},{"text":"I had to go to my head around which one it was in.","start":272.665,"end":274.925,"sentiment":"neutral","sentiment_score":-0.0279598286232123},{"text":"Yeah.","start":276.425,"end":276.825,"sentiment":"neutral","sentiment_score":-0.015630006790161133},{"text":"I was in Employment Hero.","start":276.825,"end":278.185,"sentiment":"neutral","sentiment_score":-0.009406550694257021},{"text":"Hang on.","start":278.185,"end":278.925,"sentiment":"neutral","sentiment_score":-0.007843547035008669}],"sentiment":"neutral","sentiment_score":-0.02021197073728494,"num_words":23,"start":271.865,"end":278.925},{"sentences":[{"text":"Alright.","start":280.265,"end":280.765,"sentiment":"neutral","sentiment_score":0.02446831576526165},{"text":"Okay.","start":297.84,"end":298.34,"sentiment":"neutral","sentiment_score":-0.009485488757491112},{"text":"Awesome.","start":298.63998,"end":299.13998,"sentiment":"positive","sentiment_score":0.42645782232284546},{"text":"Just got a message from Telstra.","start":307.325,"end":308.685,"sentiment":"neutral","sentiment_score":0.19121659795443216},{"text":"They're updating MBN as of today at 10:45.","start":308.685,"end":311.885,"sentiment":"neutral","sentiment_score":0.09080478828400373}],"sentiment":"neutral","sentiment_score":0.13618697313701406,"num_words":17,"start":280.265,"end":311.885},{"sentences":[{"text":"Yeah.","start":311.885,"end":312.125,"sentiment":"neutral","sentiment_score":0.25169169902801514},{"text":"Cheers for the morning.","start":312.125,"end":313.345,"sentiment":"positive","sentiment_score":0.48818018287420273},{"text":"No.","start":364.125,"end":364.445,"sentiment":"neutral","sentiment_score":-0.13549333810806274},{"text":"That's the same.","start":364.445,"end":365.42502,"sentiment":"neutral","sentiment_score":-0.09273243447144826},{"text":"One, two, three.","start":371.68,"end":373.30002,"sentiment":"neutral","sentiment_score":0.005370617688943942}],"sentiment":"neutral","sentiment_score":0.15056947017243752,"num_words":12,"start":311.885,"end":373.30002},{"sentences":[{"text":"Yep.","start":375.6,"end":376.08002,"sentiment":"neutral","sentiment_score":0.040500205010175705},{"text":"Three cars, a boat, and now a caravan.","start":376.08002,"end":378.26,"sentiment":"neutral","sentiment_score":0.026521115330979228},{"text":"Yep.","start":381.6,"end":382.1,"sentiment":"neutral","sentiment_score":0.06630630046129227},{"text":"No.","start":385.105,"end":385.345,"sentiment":"neutral","sentiment_score":-0.06805944442749023},{"text":"No.","start":385.345,"end":385.74503,"sentiment":"neutral","sentiment_score":-0.11404024064540864}],"sentiment":"neutral","sentiment_score":0.011406311920533577,"num_words":12,"start":375.6,"end":385.74503},{"sentences":[{"text":"No.","start":385.74503,"end":386.24503,"sentiment":"neutral","sentiment_score":-0.13106857240200043},{"text":"No.","start":386.385,"end":386.625,"sentiment":"neutral","sentiment_score":-0.14498838782310486},{"text":"No.","start":386.625,"end":387.105,"sentiment":"neutral","sentiment_score":-0.17399653792381287},{"text":"Nothing going on that.","start":387.105,"end":388.405,"sentiment":"neutral","sentiment_score":-0.15276282280683517},{"text":"Probably about 60,000.","start":392.225,"end":395.605,"sentiment":"neutral","sentiment_score":-0.03713084508975347}],"sentiment":"neutral","sentiment_score":-0.11724973246455192,"num_words":10,"start":385.74503,"end":395.605},{"sentences":[{"text":"Well, actually, Craig's parents both passed away within that year, so there was a a small inheritance there.","start":403.85,"end":411.21,"sentiment":"neutral","sentiment_score":-0.1492004758781857},{"text":"And that's what we use to face it.","start":411.21,"end":413.58502,"sentiment":"neutral","sentiment_score":-0.07767081167548895},{"text":"So got a look at now with that as well, which has just come through in the last couple of weeks.","start":413.58502,"end":420.625,"sentiment":"neutral","sentiment_score":-0.016324957921391443},{"text":"So, yeah, so about 25,000.","start":420.625,"end":430.03,"sentiment":"neutral","sentiment_score":0.020910497382283212},{"text":"No.","start":442.475,"end":442.975,"sentiment":"neutral","sentiment_score":0.030708733946084976}],"sentiment":"neutral","sentiment_score":-0.06631203688118818,"num_words":53,"start":403.85,"end":442.975},{"sentences":[{"text":"It's not a 100% yet, but it's actually in the process now.","start":459.58002,"end":463.425,"sentiment":"neutral","sentiment_score":-0.010444959392771125},{"text":"So I'm just waiting to go back and sign all of that.","start":463.50497,"end":466.805,"sentiment":"neutral","sentiment_score":0.06260729379331072},{"text":"It will be done.","start":467.50497,"end":468.565,"sentiment":"positive","sentiment_score":0.49381063878536224},{"text":"Yeah.","start":480.01,"end":480.51,"sentiment":"neutral","sentiment_score":0.18992918729782104},{"text":"It was for me, man.","start":617.625,"end":618.825,"sentiment":"neutral","sentiment_score":-0.028809911012649535}],"sentiment":"neutral","sentiment_score":0.07785500588772051,"num_words":34,"start":459.58002,"end":618.825},{"sentences":[{"text":"I'll tell you.","start":618.825,"end":619.385,"sentiment":"neutral","sentiment_score":-0.009829205150405567},{"text":"I'll just see.","start":619.385,"end":620.34503,"sentiment":"neutral","sentiment_score":-0.0258727769056956},{"text":"It's just not my friend's name.","start":620.34503,"end":622.35,"sentiment":"neutral","sentiment_score":-0.09838501984874408},{"text":"I'm gonna say it's 60,000.","start":625.47,"end":627.32996,"sentiment":"neutral","sentiment_score":0.012830980541184544},{"text":"It's around about that.","start":628.19,"end":629.56995,"sentiment":"neutral","sentiment_score":0.06082712393254042}],"sentiment":"neutral","sentiment_score":-0.018569174610699218,"num_words":21,"start":618.825,"end":629.56995},{"sentences":[{"text":"Yeah.","start":635.57495,"end":635.815,"sentiment":"neutral","sentiment_score":0.0478108823299408},{"text":"No.","start":635.815,"end":636.055,"sentiment":"neutral","sentiment_score":0.0021156705915927887},{"text":"I'm pretty sure that's close to what it is anyway.","start":636.055,"end":638.015,"sentiment":"neutral","sentiment_score":0.025725428014993668},{"text":"So it's just Yep.","start":638.015,"end":645.915,"sentiment":"neutral","sentiment_score":0.10414617042988539},{"text":"We've just sort of rejigged it a little bit.","start":663.355,"end":665.355,"sentiment":"neutral","sentiment_score":0.05357169815235668}],"sentiment":"neutral","sentiment_score":0.048236431926488875,"num_words":25,"start":635.57495,"end":665.355},{"sentences":[{"text":"So we've set it up so that MyWage pays the house loan, you know, some your private health and, you know, subscriptions and stuff.","start":665.355,"end":675.755,"sentiment":"neutral","sentiment_score":0.06407751344765227},{"text":"So that way, we're not you know, we're always waiting because Craig's self employed.","start":675.755,"end":680.14996,"sentiment":"neutral","sentiment_score":-0.011445064679719508},{"text":"So sometimes waiting on money to come in was always a bit of an issue.","start":680.14996,"end":683.67,"sentiment":"neutral","sentiment_score":-0.1402022731800874},{"text":"So that way now, we're not having to worry about those sorts of things.","start":683.67,"end":686.94995,"sentiment":"neutral","sentiment_score":0.27741715631314684},{"text":"There's enough in there to cover all of that.","start":686.94995,"end":688.87,"sentiment":"positive","sentiment_score":0.4455108907487657}],"sentiment":"neutral","sentiment_score":0.09431623058748971,"num_words":76,"start":665.355,"end":688.87},{"sentences":[{"text":"And then whenever his payments come in, he'll just not put extra through.","start":688.87,"end":692.945,"sentiment":"neutral","sentiment_score":0.19841634997954735},{"text":"But he yeah.","start":692.945,"end":694.145,"sentiment":"positive","sentiment_score":0.46211092670758563},{"text":"He's got a savings.","start":694.145,"end":695.28503,"sentiment":"positive","sentiment_score":0.6417281329631805},{"text":"He saves a little bit as well.","start":695.34503,"end":697.445,"sentiment":"positive","sentiment_score":0.6399972523961749},{"text":"He's also got some cash as well that he's saving.","start":697.985,"end":701.765,"sentiment":"positive","sentiment_score":0.5264988511800766}],"sentiment":"positive","sentiment_score":0.4399358686563131,"num_words":37,"start":688.87,"end":701.765},{"sentences":[{"text":"So yeah.","start":701.825,"end":707.49,"sentiment":"neutral","sentiment_score":-0.03829608112573624},{"text":"So at the moment, he's just pretty regular because he's he's got a a contract that's got about twelve months to run.","start":707.49,"end":715.17,"sentiment":"neutral","sentiment_score":0.0051424703984098005},{"text":"So, yeah, it's getting about three three, I guess.","start":715.17,"end":720.355,"sentiment":"neutral","sentiment_score":0.08527778751320308},{"text":"He gets in about every ten days or so.","start":720.415,"end":723.875,"sentiment":"neutral","sentiment_score":0.06269040455420812},{"text":"Yep.","start":738.11,"end":738.61,"sentiment":"neutral","sentiment_score":0.08606714010238647}],"sentiment":"neutral","sentiment_score":0.033821466400526294,"num_words":43,"start":701.825,"end":738.61},{"sentences":[{"text":"Yep.","start":746.97504,"end":747.47504,"sentiment":"neutral","sentiment_score":0.022443190217018127},{"text":"Yeah.","start":750.815,"end":751.295,"sentiment":"neutral","sentiment_score":0.01714218035340309},{"text":"I have.","start":751.295,"end":751.955,"sentiment":"neutral","sentiment_score":0.028631997294723988},{"text":"I do.","start":753.23004,"end":753.63,"sentiment":"neutral","sentiment_score":0.06361334957182407},{"text":"From net Netwealth is the company that has sent it to me.","start":753.63,"end":757.15,"sentiment":"neutral","sentiment_score":0.04418101875732342}],"sentiment":"neutral","sentiment_score":0.04190268274396658,"num_words":18,"start":746.97504,"end":757.15},{"sentences":[{"text":"And I've got a feeling this is an old National Mutual account, which I had, like, a million years ago.","start":757.15,"end":763.73004,"sentiment":"neutral","sentiment_score":0.00518596600741148},{"text":"What do you need with that?","start":768.805,"end":770.165,"sentiment":"neutral","sentiment_score":-0.009798632158587376},{"text":"It's called the well, it's called the fund name is the National Mutual Retirement Fund.","start":770.165,"end":774.105,"sentiment":"neutral","sentiment_score":0.0028456758397320905},{"text":"Mhmm.","start":780.325,"end":780.825,"sentiment":"neutral","sentiment_score":-0.0007968004792928696},{"text":"They did.","start":781.28503,"end":781.945,"sentiment":"neutral","sentiment_score":-0.005826631095260382}],"sentiment":"neutral","sentiment_score":0.0017082409573380244,"num_words":44,"start":757.15,"end":781.945},{"sentences":[{"text":"Yeah.","start":782.22,"end":782.45996,"sentiment":"neutral","sentiment_score":-0.01958907395601273},{"text":"No.","start":782.45996,"end":782.86,"sentiment":"neutral","sentiment_score":-0.0684872567653656},{"text":"Netwealth has sent it to me.","start":782.86,"end":784.72,"sentiment":"neutral","sentiment_score":-0.07105799950659275},{"text":"Yep.","start":789.01996,"end":789.5,"sentiment":"neutral","sentiment_score":0.10602667182683943},{"text":"I do.","start":789.5,"end":790.24,"sentiment":"neutral","sentiment_score":0.14383499324321747}],"sentiment":"neutral","sentiment_score":-0.010975242677060041,"num_words":11,"start":782.22,"end":790.24},{"sentences":[{"text":"I'm just wondering if they changed their name or something somewhere along the way.","start":842.62,"end":845.82,"sentiment":"neutral","sentiment_score":-0.009862062209452103},{"text":"And I thought we'd actually already, like, rolled all of these over into just one.","start":845.82,"end":850.24005,"sentiment":"neutral","sentiment_score":0.07415798132618269},{"text":"Yes.","start":870.26,"end":870.76,"sentiment":"neutral","sentiment_score":0.02388131059706211},{"text":"Yeah.","start":884.445,"end":884.945,"sentiment":"neutral","sentiment_score":0.02814507856965065},{"text":"Yes.","start":886.04504,"end":886.54504,"sentiment":"neutral","sentiment_score":0.06891767680644989}],"sentiment":"neutral","sentiment_score":0.03422640359167417,"num_words":32,"start":842.62,"end":886.54504},{"sentences":[{"text":"Okay.","start":888.84503,"end":889.34503,"sentiment":"neutral","sentiment_score":0.03795917332172394},{"text":"And why?","start":889.48505,"end":890.30505,"sentiment":"neutral","sentiment_score":0.016186198219656944},{"text":"I know I saw it.","start":890.85,"end":896.05,"sentiment":"neutral","sentiment_score":0.012557796761393547},{"text":"It popped up enough.","start":896.05,"end":897.00995,"sentiment":"neutral","sentiment_score":0.040345861576497555},{"text":"Okay.","start":897.00995,"end":897.49,"sentiment":"neutral","sentiment_score":0.1082717776298523}],"sentiment":"neutral","sentiment_score":0.03098275211568062,"num_words":13,"start":888.84503,"end":897.49},{"sentences":[{"text":"That's come up, and I need it.","start":897.49,"end":899.08997,"sentiment":"neutral","sentiment_score":0.1305757761001587},{"text":"And I actually took a photo of it, would you believe, so that I'd remember when I was speaking to you guys and thinking then I could just go in and find it on the email.","start":899.08997,"end":908.16504,"sentiment":"neutral","sentiment_score":0.1490099990947379},{"text":"Yeah.","start":927.43,"end":927.93,"sentiment":"neutral","sentiment_score":0.058896541595458984},{"text":"Might actually just forward you the first time.","start":928.15,"end":930.07,"sentiment":"neutral","sentiment_score":0.0497560016810894},{"text":"It's funny.","start":930.07,"end":930.55,"sentiment":"neutral","sentiment_score":-0.015711355255916715}],"sentiment":"neutral","sentiment_score":0.12414652304896326,"num_words":54,"start":897.49,"end":930.55},{"sentences":[{"text":"I've just googled I've just searched the actual email, but it's not coming up with anything for this year and yet.","start":930.55,"end":938.82495,"sentiment":"neutral","sentiment_score":-0.12964746746278943},{"text":"I'm positive.","start":939.045,"end":939.785,"sentiment":"neutral","sentiment_score":-0.19361884146928787},{"text":"Yeah.","start":941.44495,"end":941.925,"sentiment":"neutral","sentiment_score":0.013506061397492886},{"text":"Date paid sixteenth to the seventh twenty twenty five.","start":941.925,"end":945.225,"sentiment":"neutral","sentiment_score":-0.009136100196176104},{"text":"Okay.","start":946.47,"end":946.70996,"sentiment":"neutral","sentiment_score":-0.04939070716500282}],"sentiment":"neutral","sentiment_score":-0.0949395307997132,"num_words":34,"start":930.55,"end":946.70996},{"sentences":[{"text":"Maybe it was an old one.","start":946.70996,"end":948.23,"sentiment":"neutral","sentiment_score":-0.14589385439952215},{"text":"This was last year.","start":948.23,"end":949.37,"sentiment":"neutral","sentiment_score":-0.16219283267855644},{"text":"Oh, weird that that just popped up again.","start":949.91,"end":952.08997,"sentiment":"neutral","sentiment_score":-0.18951723538339138},{"text":"Okay.","start":952.87,"end":953.35,"sentiment":"neutral","sentiment_score":-0.033571209758520126},{"text":"Sorry.","start":953.35,"end":953.75,"sentiment":"neutral","sentiment_score":-0.06508899480104446}],"sentiment":"neutral","sentiment_score":-0.15694662723690272,"num_words":20,"start":946.70996,"end":953.75},{"sentences":[{"text":"I'm looking at this and it yeah.","start":953.75,"end":959.82996,"sentiment":"neutral","sentiment_score":-0.0033256749489477704},{"text":"Okay.","start":959.82996,"end":960.23,"sentiment":"neutral","sentiment_score":-0.031472720205783844},{"text":"So this came out no.","start":960.23,"end":962.415,"sentiment":"neutral","sentiment_score":-0.12774966657161713},{"text":"The one I'm looking at actually is dated the 07/16/2025.","start":962.415,"end":966.675,"sentiment":"neutral","sentiment_score":-0.07696828804910183},{"text":"I don't know why it jumped up to the top of my I'll just send you a copy of that anyway if you like further.","start":966.815,"end":973.71497,"sentiment":"neutral","sentiment_score":0.007736352160573006}],"sentiment":"neutral","sentiment_score":-0.026453642795483272,"num_words":48,"start":953.75,"end":973.71497},{"sentences":[{"text":"Okay.","start":979.07,"end":979.57,"sentiment":"neutral","sentiment_score":0.1473696231842041},{"text":"That makes sense.","start":979.95,"end":981.08997,"sentiment":"neutral","sentiment_score":0.25144626200199127},{"text":"Yep.","start":984.99,"end":985.49,"sentiment":"neutral","sentiment_score":0.07952240109443665},{"text":"Yep.","start":990.045,"end":990.445,"sentiment":"neutral","sentiment_score":0.11947792768478394},{"text":"Go for it.","start":990.445,"end":991.265,"sentiment":"neutral","sentiment_score":0.20605288445949554}],"sentiment":"neutral","sentiment_score":0.19098526570532057,"num_words":9,"start":979.07,"end":991.265},{"sentences":[{"text":"Yep.","start":995.085,"end":995.585,"sentiment":"neutral","sentiment_score":0.06959500908851624},{"text":"Yep.","start":1009.66,"end":1010.16,"sentiment":"neutral","sentiment_score":0.051043491810560226},{"text":"Okay.","start":1025.005,"end":1025.505,"sentiment":"neutral","sentiment_score":0.043384648859500885},{"text":"That is the photo of that.","start":1026.0449,"end":1027.745,"sentiment":"neutral","sentiment_score":0.04912802204489708},{"text":"Yep.","start":1033.3099,"end":1033.8099,"sentiment":"neutral","sentiment_score":0.0435265451669693}],"sentiment":"neutral","sentiment_score":0.05023178271949291,"num_words":10,"start":995.085,"end":1033.8099},{"sentences":[{"text":"That's gone.","start":1034.6699,"end":1035.57,"sentiment":"neutral","sentiment_score":-0.21885566413402557},{"text":"Yeah.","start":1045.535,"end":1045.775,"sentiment":"neutral","sentiment_score":-0.021728411316871643},{"text":"I just it's the only one we've really got, so we've kinda held on to it because it was such a like, at the time, I was actually working for a finance broker or an insurance broker.","start":1045.775,"end":1059.2101,"sentiment":"neutral","sentiment_score":-0.06724097146778493},{"text":"Sorry.","start":1059.2101,"end":1059.7101,"sentiment":"neutral","sentiment_score":-0.13527263700962067},{"text":"And I think he sort of was the one that pushed that to put it in my name at the time.","start":1060.17,"end":1064.51,"sentiment":"neutral","sentiment_score":-0.10726781100744293}],"sentiment":"neutral","sentiment_score":-0.08605245729127238,"num_words":62,"start":1034.6699,"end":1064.51},{"sentences":[{"text":"But that was, like, back when I had, like, young kids and stuff as well.","start":1065.93,"end":1069.13,"sentiment":"neutral","sentiment_score":0.089786230524381},{"text":"So I think it was a way of, like, securing something if something has happened to Craig or if something has happened to me rather than Craig so that he would then be able to, you know, access money to help with stuff.","start":1069.13,"end":1082.265,"sentiment":"neutral","sentiment_score":0.10101605882478315},{"text":"So I mean, I kinda just forgot about it because everything to do with that guy just gives me the heebie jeebies, and I don't want to think about him really.","start":1082.265,"end":1091.7599,"sentiment":"neutral","sentiment_score":-0.17195545233065082},{"text":"But yeah.","start":1093.1799,"end":1094.1399,"sentiment":"neutral","sentiment_score":-0.06957641243934631},{"text":"And so now it's just like it kept keeps coming up, you know, every every year, and I'm like, it's a fairly big sum insured.","start":1094.1399,"end":1101.705,"sentiment":"neutral","sentiment_score":-0.12890686929225922}],"sentiment":"neutral","sentiment_score":-0.02587896200089619,"num_words":116,"start":1065.93,"end":1101.705},{"sentences":[{"text":"And we did re I'm pretty sure we reduced that.","start":1105.125,"end":1107.685,"sentiment":"neutral","sentiment_score":-0.01779574351385236},{"text":"I'm pretty sure it was over 1,000,000 at one point, so we did obviously reduce it last year.","start":1107.685,"end":1112.265,"sentiment":"neutral","sentiment_score":0.022936020460393693},{"text":"Yeah.","start":1123.4401,"end":1123.9401,"sentiment":"neutral","sentiment_score":0.09690898656845091},{"text":"Okay.","start":1129.005,"end":1129.505,"sentiment":"neutral","sentiment_score":0.11286288499832152},{"text":"Yeah.","start":1133.405,"end":1133.905,"sentiment":"neutral","sentiment_score":0.11276066303253174}],"sentiment":"neutral","sentiment_score":0.01798140218541507,"num_words":31,"start":1105.125,"end":1133.905},{"sentences":[{"text":"Yeah.","start":1135.965,"end":1136.465,"sentiment":"neutral","sentiment_score":0.06970062851905823},{"text":"Okay.","start":1140.2051,"end":1140.7051,"sentiment":"neutral","sentiment_score":0.04951714351773262},{"text":"So what's your advice on that?","start":1141.3251,"end":1144.0651,"sentiment":"neutral","sentiment_score":0.004018931028743585},{"text":"Yep.","start":1144.87,"end":1145.37,"sentiment":"neutral","sentiment_score":-0.02102358266711235},{"text":"Yeah.","start":1155.4299,"end":1155.83,"sentiment":"neutral","sentiment_score":-0.02243301086127758}],"sentiment":"neutral","sentiment_score":0.009987476468086242,"num_words":10,"start":1135.965,"end":1155.83},{"sentences":[{"text":"Exactly.","start":1155.83,"end":1156.33,"sentiment":"neutral","sentiment_score":-0.023370489478111267},{"text":"Yeah.","start":1156.5499,"end":1157.0499,"sentiment":"neutral","sentiment_score":-0.01037992723286152},{"text":"Yeah.","start":1159.325,"end":1159.825,"sentiment":"neutral","sentiment_score":-0.023297950625419617},{"text":"Yeah.","start":1163.725,"end":1164.225,"sentiment":"neutral","sentiment_score":-0.08038541674613953},{"text":"I reckon we drop it now a little bit.","start":1169.325,"end":1172.0599,"sentiment":"neutral","sentiment_score":-0.1237921921743287}],"sentiment":"neutral","sentiment_score":-0.09627411643473002,"num_words":13,"start":1155.83,"end":1172.0599},{"sentences":[{"text":"Maybe drop it back to, say, 7 100.","start":1172.84,"end":1175.26,"sentiment":"neutral","sentiment_score":-0.018483596853911877},{"text":"Yeah.","start":1187.505,"end":1188.005,"sentiment":"neutral","sentiment_score":0.029365506023168564},{"text":"Yep.","start":1211.125,"end":1211.625,"sentiment":"neutral","sentiment_score":0.10407235473394394},{"text":"You said an sorry.","start":1223.6849,"end":1224.885,"sentiment":"neutral","sentiment_score":-0.04189142677932978},{"text":"Just that's an annual fee.","start":1224.885,"end":1226.085,"sentiment":"neutral","sentiment_score":-0.013481365330517293}],"sentiment":"neutral","sentiment_score":-0.013126497254952005,"num_words":19,"start":1172.84,"end":1226.085},{"sentences":[{"text":"Yeah?","start":1226.085,"end":1226.585,"sentiment":"neutral","sentiment_score":0.01965238526463509},{"text":"Wonderful wonderful thing.","start":1227.8999,"end":1231.74,"sentiment":"positive","sentiment_score":0.5696980655193329},{"text":"Okay.","start":1231.74,"end":1232.0599,"sentiment":"neutral","sentiment_score":0.014752324670553207},{"text":"So you can't, like, pay that, like, monthly or anything?","start":1232.0599,"end":1234.96,"sentiment":"neutral","sentiment_score":-0.07154555507004261},{"text":"It's gonna be paid in.","start":1235.0199,"end":1236.48,"sentiment":"neutral","sentiment_score":-0.008161891344934702}],"sentiment":"neutral","sentiment_score":0.04936169495340437,"num_words":20,"start":1226.085,"end":1236.48},{"sentences":[{"text":"Yeah.","start":1241.115,"end":1241.595,"sentiment":"neutral","sentiment_score":0.02638805471360683},{"text":"Yep.","start":1241.595,"end":1242.075,"sentiment":"neutral","sentiment_score":0.04460421949625015},{"text":"Okay.","start":1242.075,"end":1242.3949,"sentiment":"neutral","sentiment_score":0.06026208773255348},{"text":"That's alright.","start":1242.3949,"end":1243.2949,"sentiment":"neutral","sentiment_score":0.0350717157125473},{"text":"And that's alright.","start":1244.875,"end":1245.835,"sentiment":"neutral","sentiment_score":0.016130968928337097}],"sentiment":"neutral","sentiment_score":0.031223837519064546,"num_words":8,"start":1241.115,"end":1245.835},{"sentences":[{"text":"I could cope with that.","start":1245.835,"end":1247.4349,"sentiment":"neutral","sentiment_score":0.021071742475032806},{"text":"Okay.","start":1247.4349,"end":1247.835,"sentiment":"neutral","sentiment_score":0.24397927522659305},{"text":"Make sure I put the money across.","start":1247.835,"end":1249.5349,"sentiment":"neutral","sentiment_score":0.2806168347597122},{"text":"Yep.","start":1258.42,"end":1258.92,"sentiment":"neutral","sentiment_score":0.05467996001243591},{"text":"Yep.","start":1265.14,"end":1265.64,"sentiment":"neutral","sentiment_score":0.03167793154716492}],"sentiment":"neutral","sentiment_score":0.16000091483195622,"num_words":15,"start":1245.835,"end":1265.64},{"sentences":[{"text":"Yep.","start":1265.78,"end":1266.28,"sentiment":"neutral","sentiment_score":0.036303114145994186},{"text":"No.","start":1274.2051,"end":1274.685,"sentiment":"neutral","sentiment_score":-0.07332533597946167},{"text":"Although I this company that I'm working for actually has salary packaging.","start":1274.685,"end":1279.89,"sentiment":"neutral","sentiment_score":-0.0320791561777393},{"text":"So I was only on three days a week, so I didn't qualify, but I think I do now.","start":1280.19,"end":1285.47,"sentiment":"neutral","sentiment_score":0.07046210682509761},{"text":"So I'm actually meeting with them just to see if that's something that I can take up as well.","start":1285.47,"end":1291.07,"sentiment":"neutral","sentiment_score":0.12156038809763758}],"sentiment":"neutral","sentiment_score":0.062047217453185186,"num_words":52,"start":1265.78,"end":1291.07},{"sentences":[{"text":"So yeah.","start":1291.07,"end":1293.395,"sentiment":"neutral","sentiment_score":0.05846456438302994},{"text":"But not as not actually salary sacrificing 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don't know.","start":2006.89,"end":2009.8501,"sentiment":"neutral","sentiment_score":-0.08122186682053975}],"sentiment":"neutral","sentiment_score":-0.11414392180740833,"num_words":70,"start":1988.085,"end":2009.8501},{"sentences":[{"text":"I was just, like, looking at it, and I was like, oh my god.","start":2009.8501,"end":2012.5901,"sentiment":"neutral","sentiment_score":-0.06736661892916475},{"text":"But yeah.","start":2013.135,"end":2014.335,"sentiment":"neutral","sentiment_score":-0.02749156951904297},{"text":"He yeah.","start":2014.335,"end":2015.395,"sentiment":"neutral","sentiment_score":0.002465652534738183},{"text":"Yeah.","start":2017.6951,"end":2018.015,"sentiment":"neutral","sentiment_score":0.01289837621152401},{"text":"And that's pretty much what it was.","start":2018.015,"end":2019.375,"sentiment":"neutral","sentiment_score":0.14963403663464955}],"sentiment":"neutral","sentiment_score":0.002582774372198261,"num_words":26,"start":2009.8501,"end":2019.375},{"sentences":[{"text":"We were finding stuff left, right, and center.","start":2019.375,"end":2021.215,"sentiment":"neutral","sentiment_score":-0.021323402179405093},{"text":"I was like, oh god.","start":2021.215,"end":2022.515,"sentiment":"neutral","sentiment_score":-0.07183542549610138},{"text":"So, yeah, let's not do that.","start":2024.095,"end":2025.635,"sentiment":"neutral","sentiment_score":-0.18468128144741058},{"text":"Yeah.","start":2026.095,"end":2026.335,"sentiment":"neutral","sentiment_score":-0.10868720710277556},{"text":"Let's not do 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good.","start":2051.7449,"end":2053.205,"sentiment":"positive","sentiment_score":0.4836052000522614},{"text":"Okay.","start":2059.1702,"end":2059.6501,"sentiment":"neutral","sentiment_score":0.007070897612720728},{"text":"So we didn't go down investment property route.","start":2059.6501,"end":2062.61,"sentiment":"neutral","sentiment_score":0.006988756824284792}],"sentiment":"neutral","sentiment_score":0.3261837973894382,"num_words":22,"start":2049.825,"end":2062.61},{"sentences":[{"text":"We have bought into a fractional ownership with our timeshare, which we've been in for twenty odd years.","start":2062.61,"end":2070.61,"sentiment":"neutral","sentiment_score":0.05100351841085487},{"text":"We've we've went fractional with them.","start":2070.61,"end":2073.235,"sentiment":"neutral","sentiment_score":0.05625937692821026},{"text":"So look.","start":2075.615,"end":2076.895,"sentiment":"neutral","sentiment_score":0.03738942742347717},{"text":"I don't know that there's any huge return 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moment.","start":2085.455,"end":2095.81,"sentiment":"neutral","sentiment_score":-0.03559491496819716}],"sentiment":"neutral","sentiment_score":0.044104715277041705,"num_words":70,"start":2062.61,"end":2095.81},{"sentences":[{"text":"Yeah.","start":2095.81,"end":2096.31,"sentiment":"neutral","sentiment_score":0.034407176077365875},{"text":"Yep.","start":2108.705,"end":2109.205,"sentiment":"neutral","sentiment_score":0.04900084063410759},{"text":"Yep.","start":2110.145,"end":2110.645,"sentiment":"neutral","sentiment_score":0.05701902136206627},{"text":"Yep.","start":2115.665,"end":2116.165,"sentiment":"neutral","sentiment_score":0.04246556758880615},{"text":"Yep.","start":2118.21,"end":2118.53,"sentiment":"neutral","sentiment_score":0.025588316842913628}],"sentiment":"neutral","sentiment_score":0.041696184501051906,"num_words":5,"start":2095.81,"end":2118.53},{"sentences":[{"text":"Correct.","start":2118.53,"end":2119.03,"sentiment":"neutral","sentiment_score":0.10209674388170242},{"text":"It's not finished, but it's well and truly on its way.","start":2132.145,"end":2134.865,"sentiment":"positive","sentiment_score":0.3536326858130368},{"text":"So we've done the front house front part, and we've got the next door is up.","start":2134.865,"end":2140.305,"sentiment":"neutral","sentiment_score":0.23664779122918844},{"text":"We just now gathered the back of the house, and we're halfway through finishing that.","start":2140.305,"end":2144.35,"sentiment":"neutral","sentiment_score":0.23681049545605978},{"text":"So that should possibly be completed, I'd say, early next year.","start":2144.35,"end":2148.75,"sentiment":"neutral","sentiment_score":0.24446052583781155}],"sentiment":"neutral","sentiment_score":0.25962304006572123,"num_words":54,"start":2118.53,"end":2148.75},{"sentences":[{"text":"Fingers crossed.","start":2148.75,"end":2149.65,"sentiment":"neutral","sentiment_score":0.04701839201152325},{"text":"I think 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he's happy to travel in between.","start":2245.2852,"end":2247.145,"sentiment":"neutral","sentiment_score":0.3199315880026136},{"text":"So yep.","start":2247.205,"end":2252.1052,"sentiment":"neutral","sentiment_score":0.20363033562898636},{"text":"Yep.","start":2256.15,"end":2256.65,"sentiment":"neutral","sentiment_score":0.1218254491686821},{"text":"Yep.","start":2256.71,"end":2257.21,"sentiment":"neutral","sentiment_score":0.13267332315444946}],"sentiment":"positive","sentiment_score":0.44713167437622625,"num_words":31,"start":2238.61,"end":2257.21},{"sentences":[{"text":"Yeah.","start":2265.8298,"end":2266.0698,"sentiment":"neutral","sentiment_score":0.047620467841625214},{"text":"I I think he needs to like, he's super busy.","start":2266.0698,"end":2268.465,"sentiment":"neutral","sentiment_score":-0.0007389670237898827},{"text":"Just always I think it's always been with.","start":2268.5452,"end":2270.245,"sentiment":"neutral","sentiment_score":0.010322938382159919},{"text":"And I 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maybe.","start":2334.4749,"end":2341.535,"sentiment":"neutral","sentiment_score":-0.008245795965194702},{"text":"Yep.","start":2346.23,"end":2346.73,"sentiment":"neutral","sentiment_score":0.14829005300998688}],"sentiment":"neutral","sentiment_score":0.05897061662240462,"num_words":33,"start":2303.055,"end":2346.73},{"sentences":[{"text":"Mhmm.","start":2352.31,"end":2352.3901,"sentiment":"neutral","sentiment_score":0.04473404586315155},{"text":"Alright.","start":2352.3901,"end":2352.8901,"sentiment":"neutral","sentiment_score":0.14602141082286835},{"text":"Yep.","start":2389.755,"end":2390.255,"sentiment":"neutral","sentiment_score":0.19932930171489716},{"text":"Okay.","start":2391.675,"end":2392.175,"sentiment":"neutral","sentiment_score":0.20810925960540771},{"text":"Cool.","start":2392.2349,"end":2392.7349,"sentiment":"neutral","sentiment_score":0.22537539899349213}],"sentiment":"neutral","sentiment_score":0.16471388339996337,"num_words":5,"start":2352.31,"end":2392.7349},{"sentences":[{"text":"I think I did last time.","start":2397.47,"end":2398.93,"sentiment":"neutral","sentiment_score":0.05496199118594328},{"text":"Okay.","start":2408.67,"end":2409.17,"sentiment":"neutral","sentiment_score":0.09450583904981612},{"text":"Yes.","start":2415.835,"end":2416.335,"sentiment":"neutral","sentiment_score":0.13740789890289307},{"text":"Yes.","start":2419.115,"end":2419.615,"sentiment":"neutral","sentiment_score":0.09693175554275511},{"text":"Yes.","start":2424.475,"end":2424.975,"sentiment":"neutral","sentiment_score":0.1125144511461258}],"sentiment":"neutral","sentiment_score":0.07711318917572499,"num_words":10,"start":2397.47,"end":2424.975},{"sentences":[{"text":"Cool.","start":2435.4001,"end":2435.9001,"sentiment":"neutral","sentiment_score":0.20141363143920896},{"text":"Yeah.","start":2435.96,"end":2436.28,"sentiment":"neutral","sentiment_score":0.1184566095471382},{"text":"I've used them 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me.","start":2561.385,"end":2563.2449,"sentiment":"positive","sentiment_score":0.3401397636958531},{"text":"Yep.","start":2569.97,"end":2570.47,"sentiment":"neutral","sentiment_score":0.11697151511907578}],"sentiment":"neutral","sentiment_score":0.23329121883337697,"num_words":12,"start":2560.185,"end":2570.47},{"sentences":[{"text":"Oh, that's exciting.","start":2576.8499,"end":2577.91,"sentiment":"positive","sentiment_score":0.340931236743927},{"text":"Congratulations.","start":2579.445,"end":2579.945,"sentiment":"positive","sentiment_score":0.6908532381057739},{"text":"Yep.","start":2590.8052,"end":2591.3052,"sentiment":"neutral","sentiment_score":0.06543810665607452},{"text":"Yep.","start":2595.99,"end":2596.49,"sentiment":"neutral","sentiment_score":0.13939037919044495},{"text":"Perfect.","start":2596.63,"end":2597.13,"sentiment":"neutral","sentiment_score":0.19817811250686648}],"sentiment":"neutral","sentiment_score":0.30237907809870584,"num_words":7,"start":2576.8499,"end":2597.13},{"sentences":[{"text":"Yep.","start":2605.19,"end":2605.69,"sentiment":"neutral","sentiment_score":-0.01050194725394249},{"text":"Yeah.","start":2606.625,"end":2607.125,"sentiment":"neutral","sentiment_score":-0.005675792694091797},{"text":"Yep.","start":2608.945,"end":2609.445,"sentiment":"neutral","sentiment_score":0.018093565478920937},{"text":"Yep.","start":2611.5051,"end":2611.745,"sentiment":"neutral","sentiment_score":0.03182351961731911},{"text":"Gotcha.","start":2611.745,"end":2612.245,"sentiment":"neutral","sentiment_score":0.04294636100530624}],"sentiment":"neutral","sentiment_score":0.0153371412307024,"num_words":5,"start":2605.19,"end":2612.245},{"sentences":[{"text":"Yep.","start":2617.5051,"end":2618.0051,"sentiment":"neutral","sentiment_score":0.2101389616727829},{"text":"Okay.","start":2619.265,"end":2619.765,"sentiment":"neutral","sentiment_score":0.1570197492837906},{"text":"Nope.","start":2633.41,"end":2633.89,"sentiment":"neutral","sentiment_score":0.07143144309520721},{"text":"I think it's good.","start":2633.89,"end":2635.09,"sentiment":"positive","sentiment_score":0.6961811184883118},{"text":"Thank you.","start":2635.09,"end":2635.81,"sentiment":"positive","sentiment_score":0.8279270827770233}],"sentiment":"positive","sentiment_score":0.5421298659510083,"num_words":9,"start":2617.5051,"end":2635.81},{"sentences":[{"text":"It's been really informative and helpful.","start":2635.81,"end":2637.8552,"sentiment":"positive","sentiment_score":0.8603912889957428},{"text":"Alright.","start":2640.635,"end":2641.135,"sentiment":"positive","sentiment_score":0.3446335792541504},{"text":"And good luck with the birth of the third.","start":2642.155,"end":2644.3352,"sentiment":"positive","sentiment_score":0.5864144828584459},{"text":"Alright.","start":2645.789,"end":2646.269,"sentiment":"neutral","sentiment_score":0.060559194535017014},{"text":"I'll talk to you soon.","start":2646.269,"end":2647.409,"sentiment":"neutral","sentiment_score":0.039394599944353105}],"sentiment":"positive","sentiment_score":0.5019201751459729,"num_words":22,"start":2635.81,"end":2647.409},{"sentences":[{"text":"Fingers crossed.","start":2650.589,"end":2651.649,"sentiment":"neutral","sentiment_score":0.05272199213504791},{"text":"Alright.","start":2651.789,"end":2652.189,"sentiment":"neutral","sentiment_score":0.1639244258403778},{"text":"Thanks, Zoe.","start":2652.189,"end":2652.989,"sentiment":"positive","sentiment_score":0.4543073773384094},{"text":"Have a good day.","start":2652.989,"end":2653.869,"sentiment":"positive","sentiment_score":0.3506736718118191},{"text":"Bye.","start":2653.869,"end":2654.369,"sentiment":"neutral","sentiment_score":-0.1172817051410675}],"sentiment":"neutral","sentiment_score":0.24633961468935012,"num_words":10,"start":2650.589,"end":2654.369}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you called your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Tommy from Oakview annual review.\n\nChannel 1: Thanks, Tommy. Please stay on the line. Hello. Paula speaking.\n\nChannel 0: Good morning, Paul. It's Thomas here, senior adviser from. How are you going today?\n\nChannel 1: I'm well, Tommy. How are you today?\n\nChannel 0: I'm doing fantastic. It's a bright, beautiful day on the Gold Coast. What about your end?\n\nChannel 1: Yeah. No. It's actually quite sunny today in Melbourne as well. Looking alright today. A bit chilly\n\nChannel 0: Glad\n\nChannel 1: this\n\nChannel 0: to hear.\n\nChannel 1: morning.\n\nChannel 0: We're\n\nChannel 1: We've\n\nChannel 0: just\n\nChannel 1: actually\n\nChannel 0: on\n\nChannel 1: had\n\nChannel 0: the\n\nChannel 1: a\n\nChannel 0: cusp\n\nChannel 1: good weather.\n\nChannel 0: of winter.\n\nChannel 1: We haven't had rain for a while. So\n\nChannel 0: Oh, that's a good one.\n\nChannel 1: I\n\nChannel 0: I'm just giving you a call to go through\n\nChannel 1: know.\n\nChannel 0: your annual review.\n\nChannel 1: Yep.\n\nChannel 0: Is now still a good time?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. So I've got a bit of a pack I'm gonna send out to you. Before\n\nChannel 1: Yep.\n\nChannel 0: I do that, are you okay for me just to go through a quick security check with you? Amazing. So these calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and\n\nChannel 1: Sure.\n\nChannel 0: address?\n\nChannel 1: Date of birth is the tenth of the tenth nineteen sixty eight, and address is Number 7 Burke Street, Montmorency, Victoria 3094.\n\nChannel 0: Sensational. Now with this pack that I'm sending out, Paula, I've got your BigPond address there. Will you be able to look on to those emails with me today?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Cool. So I'll send that out. No rush in grabbing that up. There's a few housekeeping items to go through first, but I'll get that shot through now. And there'll be a number of attachments on the email as well as a bit of a link to peruse the documents as well.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Paula, is there anything in particular that you're hoping to get out of this year's review?\n\nChannel 1: Look. I I wanna still look again at that insurance and just make sure that's we we did some work on it last time. I think we reduced the inch cover the the I'm not sure if we actually went ahead and did it or we talked about maybe doing it. So I just wanted to touch base with that.\n\nChannel 0: Yep.\n\nChannel 1: And, also, I just wanted to check on this I think I've got another retirement fund coming up and or as in, like, open. And I thought we changed everything over to just the one. So\n\nChannel 0: Yep.\n\nChannel 1: I just wanted to check on that as well, please.\n\nChannel 0: Fantastic. Okay. So I'll go through those two with you. Now just before I jump into that, I'm pulling open your insurance certificate, which I've also emailed through as well so we can kind of look on that together. But I'm just gonna double check a few details that we had on file.\n\nSo no change to your email address or phone number. Residential\n\nChannel 1: Nope.\n\nChannel 0: and postal address is still the same. I'm just gonna run through a couple of quick details. Just let me know if any of these have changed. So we have your husband listed as Craig\n\nChannel 1: Yep. Correct.\n\nChannel 0: with no dependents. We\n\nChannel 1: Nope.\n\nChannel 0: have you kind of step back into the less managerial admin role on about\n\nChannel 1: Yep.\n\nChannel 0: 45,000 with aged care GP. Is that correct?\n\nChannel 1: I've actually have changed my job since I spoke to you last,\n\nChannel 0: Okay.\n\nChannel 1: so that\n\nChannel 0: Do you\n\nChannel 1: will\n\nChannel 0: mind\n\nChannel 1: have\n\nChannel 0: if\n\nChannel 1: to\n\nChannel 0: I grab\n\nChannel 1: be updated.\n\nChannel 0: some details for that?\n\nChannel 1: Yep. Sure. Can you just let me bring that up?\n\nChannel 0: That's okay. What I'm looking for is just kind of like occupation title, your\n\nChannel 1: Yep.\n\nChannel 0: employer income, and I can note that down.\n\nChannel 1: Okay. So the employee is APNA, so a p n a.\n\nChannel 0: APNA.\n\nChannel 1: And I am the clinical administration lead for them.\n\nChannel 0: Administration leave.\n\nChannel 1: And I'm just think my wage has gone up as well. So\n\nChannel 0: Cool.\n\nChannel 1: yeah. I know. Right? Let me just\n\nChannel 0: I'm assuming it's full time hours. Hopefully, not too much overtime.\n\nChannel 1: pretty much four days. So but\n\nChannel 0: Okay.\n\nChannel 1: it's work from home, so that's nice as well. So\n\nChannel 0: Amazing. Four days\n\nChannel 1: oh,\n\nChannel 0: of working\n\nChannel 1: no.\n\nChannel 0: from home. Love\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: I go into the city once a week on a Thursday. Just into the city, but even that's a little bit you know, if you feel like it. Oh, where can I find my payslip?\n\nChannel 0: That's okay. Those things can be tricky, hidden in all kinds of different HR\n\nChannel 1: Oh, yeah. That's\n\nChannel 0: systems and\n\nChannel 1: yes.\n\nChannel 0: email,\n\nChannel 1: It is. You're\n\nChannel 0: different\n\nChannel 1: right.\n\nChannel 0: title.\n\nChannel 1: Employment Hero. I had to go to my head around which one it was in.\n\nChannel 0: The old employment here. I know\n\nChannel 1: Yeah.\n\nChannel 0: the one.\n\nChannel 1: I was in Employment Hero. Hang on. Alright.\n\nChannel 0: And I'm just updating a few things on our system while you do that, so no\n\nChannel 1: Okay.\n\nChannel 0: rush at all.\n\nChannel 1: Awesome. Just got a message from Telstra. They're updating MBN as of today at 10:45. Yeah. Cheers for the morning.\n\nChannel 0: Congratulations. That's okay. While you're doing that, do you mind if I just ask you a couple of questions on the assets as well? We had the main property listed at a value of 1,200,000 owing about 300,000. Has that changed a lot?\n\nChannel 1: No. That's the same.\n\nChannel 0: K. We still had, I think, three cars and a boat in terms of vehicles.\n\nChannel 1: One, two, three. Yep. Three cars, a boat, and now a caravan.\n\nChannel 0: Oh, nice. Caravan. That's beautiful. Do\n\nChannel 1: Yep.\n\nChannel 0: you mind if I just grab like, do you have anything owing on the caravan? Did you purchase that\n\nChannel 1: No.\n\nChannel 0: via\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: No.\n\nChannel 0: loan?\n\nChannel 1: No. No. Nothing going on that.\n\nChannel 0: Cool. And what would the the resale value of that be approximately? Just a rough\n\nChannel 1: Probably\n\nChannel 0: figure.\n\nChannel 1: about 60,000.\n\nChannel 0: Amazing. Did that leave you with any kind of emergency fund cash savings left over still, or is that kind of depleted?\n\nChannel 1: Well, actually, Craig's parents both passed away within that year, so there was\n\nChannel 0: Yep.\n\nChannel 1: a a small inheritance there. And that's what we use to face it. So\n\nChannel 0: K.\n\nChannel 1: got a look at now with that as well, which has just come through in the last couple of weeks. So,\n\nChannel 0: K. Do you mind if I note down a bit of an estimate in terms of just liquid cash for emergency\n\nChannel 1: yeah, so\n\nChannel 0: rainy day\n\nChannel 1: about\n\nChannel 0: funds?\n\nChannel 1: 25,000.\n\nChannel 0: Yep. 25. Thank you. And I'm assuming you guys have never gone through any kind of bankruptcy or debt agreements before?\n\nChannel 1: No.\n\nChannel 0: Thank you. And just besides the income, the last question I had was in terms of estate planning. You were kind of working on getting a bit of a will put in place. Just wondering if you manage\n\nChannel 1: It's\n\nChannel 0: to\n\nChannel 1: not a 100% yet,\n\nChannel 0: get\n\nChannel 1: but it's actually in the\n\nChannel 0: that\n\nChannel 1: process now.\n\nChannel 0: sorted.\n\nChannel 1: So I'm just waiting\n\nChannel 0: In the process\n\nChannel 1: to go back\n\nChannel 0: now.\n\nChannel 1: and sign all of that. It will\n\nChannel 0: Amazing.\n\nChannel 1: be done. Yeah.\n\nChannel 0: Just while you're doing that, I'm having a quick look at your life insurance policy as well. How's the old two factor authentication going there, Paula?\n\nChannel 1: It was for me, man. I'll tell you. I'll just see. It's just not my friend's name.\n\nChannel 0: No. That's fair enough.\n\nChannel 1: I'm gonna say it's 60,000. It's\n\nChannel 0: 60\n\nChannel 1: around about\n\nChannel 0: thousand.\n\nChannel 1: that.\n\nChannel 0: It's a decent estimate there. I'll work off that for the time being. And\n\nChannel 1: Yeah.\n\nChannel 0: what I\n\nChannel 1: No.\n\nChannel 0: might\n\nChannel 1: I'm\n\nChannel 0: do\n\nChannel 1: pretty\n\nChannel 0: too,\n\nChannel 1: sure that's close to what it is anyway. So it's just\n\nChannel 0: I'll also just I'll double check your contributions and do a bit of a workback calculation just to see how close\n\nChannel 1: Yep.\n\nChannel 0: the market is, so that's no worries at all. One thing I wanna do is quickly check-in terms of the new income. Is do you have a a different surplus cash flow that you're setting aside, like, on a regular basis now?\n\nChannel 1: We've just sort of rejigged it a little bit. So we've set it up so that MyWage pays the house loan, you know, some your private health and, you know, subscriptions and\n\nChannel 0: Yeah.\n\nChannel 1: stuff. So that way, we're not you know, we're always waiting because Craig's self employed. So sometimes waiting on money to come in was always a bit of an issue. So that way\n\nChannel 0: Yeah.\n\nChannel 1: now, we're not having to worry about those sorts of things. There's enough in there to cover all of that. And then whenever his payments come in, he'll just not put extra through. But he yeah. He's got a savings.\n\nHe saves a little bit as well. He's also got some cash as well that he's saving. So\n\nChannel 0: Yeah. So the consistent regular amounts are a bit difficult because, obviously, his income fluctuates\n\nChannel 1: yeah.\n\nChannel 0: quite a bit.\n\nChannel 1: So at the moment, he's just pretty regular because he's he's got a a contract that's got about twelve months to run. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's getting about three three, I guess. He gets in about every ten days or so.\n\nChannel 0: Perfect. While I've got this information up in front of me, so you asked about both the insurances and also a possible second super fund.\n\nChannel 1: Yep.\n\nChannel 0: I'm having a little bit of a look here, which may give me a bit of an idea. Can I just start with the the second super fund kind of side?\n\nChannel 1: Yep.\n\nChannel 0: Do you know if did you get any kind of email notifications\n\nChannel 1: Yeah.\n\nChannel 0: from\n\nChannel 1: I have. I do. From net Netwealth is the company that has sent it to me. And I've got a feeling\n\nChannel 0: okay.\n\nChannel 1: this is an old National Mutual account, which I had, like, a million years ago.\n\nChannel 0: K.\n\nChannel 1: What do you need with that? It's called\n\nChannel 0: So\n\nChannel 1: the well,\n\nChannel 0: what\n\nChannel 1: it's\n\nChannel 0: I'm\n\nChannel 1: called\n\nChannel 0: wondering\n\nChannel 1: the fund name is the National Mutual Retirement Fund.\n\nChannel 0: National Mutual Retirement Fund. Now did Netwealth send you information about\n\nChannel 1: Mhmm.\n\nChannel 0: this account, or\n\nChannel 1: They\n\nChannel 0: did\n\nChannel 1: did.\n\nChannel 0: National Mutual?\n\nChannel 1: Yeah. No. Netwealth has sent it to me.\n\nChannel 0: Okay. Do you have any kind of email or letter that you could possibly forward through to me?\n\nChannel 1: Yep. I do.\n\nChannel 0: So just let me know when you're ready, and I'll tell you my email address, and then I'll get that saved on file. I have a bit of a feeling I know what this one is. I'll confirm it with you.\n\nChannel 1: I'm just wondering if they changed their name or something somewhere along the way. And I thought we'd actually already, like, rolled all of these over into just one.\n\nChannel 0: I think we have. And when I look up National Mutual Retirement Fund, it actually lists your insurance company resolution life. And I know that any superannuation policy usually has, like, a almost kind of like a a fake super fund behind it to actually\n\nChannel 1: Yes.\n\nChannel 0: receive the premiums for the life insurance. So it may actually be that one that's being listed because that's coming out of the Netwealth via, like, an enduring rollover once per year, including in the July 16 is the next\n\nChannel 1: Yeah.\n\nChannel 0: premium due date. So\n\nChannel 1: Yes.\n\nChannel 0: it could be that one.\n\nChannel 1: Okay. And why? I know I saw it. It popped up enough. Okay.\n\nThat's come up, and I need it. And I actually took a photo of it, would you believe, so that I'd\n\nChannel 0: Fantastic.\n\nChannel 1: remember\n\nChannel 0: That\n\nChannel 1: when\n\nChannel 0: works\n\nChannel 1: I was speaking\n\nChannel 0: too.\n\nChannel 1: to you guys and thinking then I could just go in and find it on the email.\n\nChannel 0: And there's also heaps of different ways we can look at it too because there's the my gov will show you any active funds. And usually, if this is what I'm thinking, it'll come up in, like, a zero balance account on myGov. You've got the emails there. You can also even just forward that photo later\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: Might actually just forward you the first time. It's funny. I've just googled I've just searched the actual email, but it's not coming up with anything for this year and yet. I'm\n\nChannel 0: after\n\nChannel 1: positive.\n\nChannel 0: the call. That's okay.\n\nChannel 1: Yeah. Date paid sixteenth to the seventh twenty twenty five.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Maybe\n\nChannel 0: And that\n\nChannel 1: it\n\nChannel 0: would\n\nChannel 1: was\n\nChannel 0: be\n\nChannel 1: an old one. This was last year. Oh, weird that that just popped up again.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: okay because\n\nChannel 1: Sorry. I'm\n\nChannel 0: you'll\n\nChannel 1: looking\n\nChannel 0: be\n\nChannel 1: at this\n\nChannel 0: coming\n\nChannel 1: and\n\nChannel 0: up\n\nChannel 1: it\n\nChannel 0: to your anniversary, and, normally, you'll get a notice from that as well.\n\nChannel 1: yeah. Okay. So this came out no. The one I'm looking at actually is dated the 07/16/2025. I don't know\n\nChannel 0: Yep.\n\nChannel 1: why it jumped up to the top of my I'll just send you a copy of that anyway if you like\n\nChannel 0: Please,\n\nChannel 1: further.\n\nChannel 0: that'd be great. And that will be 99% chance that is your insurance policy because that's the anniversary\n\nChannel 1: Okay.\n\nChannel 0: date.\n\nChannel 1: That makes sense.\n\nChannel 0: Would you like my email address?\n\nChannel 1: Yep. Yep. Go for it.\n\nChannel 0: K. So it's Tommy, t o, m m, y.\n\nChannel 1: Yep.\n\nChannel 0: And this one's a bit of a mouthful, but it's at Oakview Financial.\n\nChannel 1: Yep.\n\nChannel 0: And then dot com dot a u.\n\nChannel 1: Okay. That is the photo of that.\n\nChannel 0: And just let me know once you've hit the old send on that one, and I'll\n\nChannel 1: Yep.\n\nChannel 0: give it a couple of minutes.\n\nChannel 1: That's gone.\n\nChannel 0: Cool. So while I'm waiting for that to come through and we're on the topic of the policy, so you were talking about a bit of a reduction on the life insurance. So\n\nChannel 1: Yeah. I just it's the only one we've really got, so we've kinda held on to it because it was such a like, at the time, I was actually working for a finance broker or an insurance broker. Sorry. And I think he sort of was the one that pushed that to put it in my name at the time.\n\nChannel 0: Alright.\n\nChannel 1: But that was,\n\nChannel 0: Yep.\n\nChannel 1: like, back when I had, like, young kids and stuff as well. So I think it was a way of, like, securing something if something has happened to Craig or if something has happened to me rather than Craig so that he would then be able to, you know, access\n\nChannel 0: Yep.\n\nChannel 1: money to\n\nChannel 0: Pay\n\nChannel 1: help\n\nChannel 0: off the mortgage\n\nChannel 1: with\n\nChannel 0: and\n\nChannel 1: stuff. So\n\nChannel 0: look after the kids, take time\n\nChannel 1: I\n\nChannel 0: off,\n\nChannel 1: mean,\n\nChannel 0: all\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: kinda\n\nChannel 0: kind\n\nChannel 1: just\n\nChannel 0: of\n\nChannel 1: forgot\n\nChannel 0: thing.\n\nChannel 1: about it because everything to do with that guy just gives me the heebie jeebies, and I\n\nChannel 0: Oh, no.\n\nChannel 1: don't want to think about him really. But yeah. And so now it's just like it kept keeps coming up, you know, every every year, and I'm like, it's a fairly big sum insured.\n\nChannel 0: Yeah. It's 830,000\n\nChannel 1: And\n\nChannel 0: and '20\n\nChannel 1: we did\n\nChannel 0: 5\n\nChannel 1: re\n\nChannel 0: dollars.\n\nChannel 1: I'm pretty sure we reduced that. I'm pretty sure it\n\nChannel 0: Yep.\n\nChannel 1: was over 1,000,000 at one point, so we did obviously reduce it last year.\n\nChannel 0: Yeah. And the new premium that's coming out, that's jumped up to 2,747, and you get a 15% rebate off of that, which drops it to the low 2 thousands.\n\nChannel 1: Yeah.\n\nChannel 0: But then the year afterwards, that's gonna be straight over $3 and approaching 4,000\n\nChannel 1: Okay.\n\nChannel 0: pretty quickly. As soon as you hit the sixties, that\n\nChannel 1: Yeah.\n\nChannel 0: will go $5.07, 9,\n\nChannel 1: Yeah.\n\nChannel 0: 12. Like, that's going to skyrocket over the next seven years.\n\nChannel 1: Okay. So what's\n\nChannel 0: So\n\nChannel 1: your advice on that?\n\nChannel 0: well,\n\nChannel 1: Yep.\n\nChannel 0: number one, it's gonna have to be a constant trim down game because, like, what is it actually protecting you for? You've got a mortgage of 300,000.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: That leaves\n\nChannel 1: Yeah.\n\nChannel 0: you half 1,000,000 plus your super, so 600\n\nChannel 1: Yeah.\n\nChannel 0: thousand left over. Is that even too high now, or is that\n\nChannel 1: Yeah.\n\nChannel 0: something where it's okay for the next twelve months, but then next year, we should drop a couple 100,000 off?\n\nChannel 1: I reckon we drop it now a little bit.\n\nChannel 0: K.\n\nChannel 1: Maybe\n\nChannel 0: What\n\nChannel 1: drop\n\nChannel 0: would\n\nChannel 1: it\n\nChannel 0: be\n\nChannel 1: back\n\nChannel 0: a\n\nChannel 1: to,\n\nChannel 0: good\n\nChannel 1: say,\n\nChannel 0: net\n\nChannel 1: 7\n\nChannel 0: figure?\n\nChannel 1: 100.\n\nChannel 0: 700. Yeah. So what that will pretty much do is pay off the mortgage and leave you half a mill left over, and\n\nChannel 1: Yeah.\n\nChannel 0: that just chops off a 130,000. So let me just do a quick little calculation on that with the $8.30, 15% off. Yeah. So that will drop it down to just under 2,000 in the premiums. It'd be more like $18.50 approximately.\n\nWhat I'll do\n\nChannel 1: Yep.\n\nChannel 0: is I will get a alteration decrease quote for 700 flat so you know exactly what it's gonna be. And I'll put together just a little bit of an updated plan for you so\n\nChannel 1: You said\n\nChannel 0: you can\n\nChannel 1: an\n\nChannel 0: see\n\nChannel 1: sorry.\n\nChannel 0: the\n\nChannel 1: Just that's an annual fee. Yeah?\n\nChannel 0: yeah. Yep. That's\n\nChannel 1: Wonderful\n\nChannel 0: enduring\n\nChannel 1: wonderful\n\nChannel 0: rollover that comes out once per year.\n\nChannel 1: thing. Okay. So you can't, like, pay that, like, monthly or anything? It's gonna\n\nChannel 0: Yeah.\n\nChannel 1: be\n\nChannel 0: There\n\nChannel 1: paid\n\nChannel 0: are,\n\nChannel 1: in.\n\nChannel 0: like, platform policies that do monthly, but then they jump it up an extra 10 to 12\n\nChannel 1: Yeah.\n\nChannel 0: percent.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay. That's alright.\n\nChannel 0: doesn't work out as\n\nChannel 1: And that's alright. I could cope with that. Okay. Make\n\nChannel 0: fun.\n\nChannel 1: sure I put the money across.\n\nChannel 0: Live. Now in terms of your super itself, so I'll go into the portfolio in a moment there.\n\nChannel 1: Yep.\n\nChannel 0: But I'm just wondering in terms of contributions. I'm gonna base your updated plan off of the 60,000\n\nChannel 1: Yep. Yep.\n\nChannel 0: and the 12% off of that. Are you doing any salary sacrifice, or is that entering anything in the next two years or so?\n\nChannel 1: No. Although I this company that I'm working for actually has salary packaging. So\n\nChannel 0: Oh, that's amazing.\n\nChannel 1: I was only on three days a week, so I didn't qualify, but I think I do now. So I'm actually meeting with them just to see if that's something that I can take up as well. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. But not as not actually salary sacrificing anything.\n\nChannel 0: So really good situation for you then is I know that most salary packaging programs max out at about 15,000, and that happens to be the exact amount that you were over the 32% tax bracket. So\n\nChannel 1: Okay.\n\nChannel 0: everything over 45,000 is 32%. So anytime you do the salary packaging or salary sacrifice, you're getting that maximum hit for the first 15,000 that you're deducted.\n\nChannel 1: Yep.\n\nChannel 0: So what I would do contribution wise is I would obviously meet with them and figure out salary packaging benefits first. And\n\nChannel 1: Mhmm.\n\nChannel 0: then when you hit 60, you can do a transition to retirement contribution strategy. Have you heard of that before?\n\nChannel 1: Yeah. I think this was mentioned last time. So\n\nChannel 0: Yep. So getting close to that point where you can access a portion of your super after 60. And if you\n\nChannel 1: yep.\n\nChannel 0: don't need the funds to partially retire, we can pull it out and put it back in again as a tax deductible\n\nChannel 1: Tax\n\nChannel 0: contribution,\n\nChannel 1: credit. Yep. Yeah. Yep. Yep.\n\nChannel 0: and the tax\n\nChannel 1: Wait\n\nChannel 0: difference\n\nChannel 1: a minute.\n\nChannel 0: just boosts up your super a little bit. So it's like a thousand\n\nChannel 1: Yep.\n\nChannel 0: out, thousand back in, 200 in there extra.\n\nChannel 1: Yep. Cool.\n\nChannel 0: So if\n\nChannel 1: Yep.\n\nChannel 0: it's okay with you, I'm gonna put in, in terms of priorities, that we do the salary packaging first.\n\nChannel 1: Yep.\n\nChannel 0: And then at the next review, we're gonna kind of preplan your 60 strategy. That\n\nChannel 1: Yep.\n\nChannel 0: way we can have it in place for that financial year when you turn 60.\n\nChannel 1: It's a lot to talk about me turning 60, which is really depressing right now, but, yep, sounds good.\n\nChannel 0: I don't mean to, but\n\nChannel 1: Like,\n\nChannel 0: it's\n\nChannel 1: in\n\nChannel 0: exciting\n\nChannel 1: my head,\n\nChannel 0: for\n\nChannel 1: I'm\n\nChannel 0: me.\n\nChannel 1: like, it's still to you either way. Don't worry about it.\n\nChannel 0: And, look, for me, I just get excited because there's so many extra strategies we can do to boost things up\n\nChannel 1: That's\n\nChannel 0: for you\n\nChannel 1: true.\n\nChannel 0: and,\n\nChannel 1: Look on the\n\nChannel 0: you\n\nChannel 1: bright\n\nChannel 0: know,\n\nChannel 1: side.\n\nChannel 0: look on the bright side. I'll be there to give you the silver linings.\n\nChannel 1: Awesome.\n\nChannel 0: Outside of that, I wanted to just quickly touch base on your portfolio in the super.\n\nChannel 1: Yep.\n\nChannel 0: So if you haven't been watching your account lately, the stock market's gone quite wild since\n\nChannel 1: Okay.\n\nChannel 0: Christmas, up and down like a bit of a roller coaster ride.\n\nChannel 1: Yep.\n\nChannel 0: Now two things I wanted to touch on. First of all, you're in a growth risk profile, which is that kind of 80% growth assets, shares, property, and gold. So it's a four out of five on the risk scale. Usually\n\nChannel 1: Yep.\n\nChannel 0: recommended if you have at least eight years to retirement\n\nChannel 1: Yep.\n\nChannel 0: for being able to get that growth. Now I know that we're trying to focus really heavily on growing the capital at the moment,\n\nChannel 1: Yep.\n\nChannel 0: but at some point, we have to talk about reducing your risk level down a little bit.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So what I wanted to kind of ask you is if you're still okay with I'll give you a bit of an example. So you're at $97,002.40 as of today.\n\nChannel 1: Yep.\n\nChannel 0: And what could easily happen in a growth portfolio is that in six months' time, it could be sitting at 84,000. And then\n\nChannel 1: Yep.\n\nChannel 0: twelve months after that, you're sitting at a 115,000.\n\nChannel 1: Yeah.\n\nChannel 0: That's kind of the volatility that you\n\nChannel 1: Yeah.\n\nChannel 0: would expect. And then as you get closer and closer to retirement, maybe every one or two years, we would generally be slowly reducing your risk level down. So\n\nChannel 1: Yep.\n\nChannel 0: instead of\n\nChannel 1: Okay.\n\nChannel 0: 80%, we would go seventy, sixty, fifty, forty, and there's\n\nChannel 1: Yep.\n\nChannel 0: your pension account for, like, '60\n\nChannel 1: Yep.\n\nChannel 0: $5.67.\n\nChannel 1: That's good. Yep.\n\nChannel 0: Are you okay with that general plan even though it's gonna be a bit\n\nChannel 1: Yeah.\n\nChannel 0: up and down this year?\n\nChannel 1: If we were to drop it now to serve to something, is that like, I guess, the things that fairly volatile will stop. So is dropping it now gonna really be that less of a risk? Or I kinda feel like everything's kind of up and down anyway. Is there really any value in dropping it? Am I gonna be at a significantly less risk to drop it is, I guess, what I'm getting at.\n\nChannel 0: Yeah. If we dropped it one category, it changes\n\nChannel 1: Yeah.\n\nChannel 0: your fluctuations from, say, 15% up and down to maybe nine to 12% up and down.\n\nChannel 1: Okay.\n\nChannel 0: But\n\nChannel 1: Yes,\n\nChannel 0: what\n\nChannel 1: sir.\n\nChannel 0: we miss out on is any kind of average that extra growth. So I'll give you a bit of an\n\nChannel 1: Yes.\n\nChannel 0: example in, like, a a worst case scenario. So let's say we go growth fund for the next nine years, and I'm just gonna put in your work contributions for the moment and chop off the super tax off of that. Six one two o. Okay. So let's say that you ended up with annually.\n\nOkay. So let's say you ended up somewhere between 250 to 300,000\n\nChannel 1: Yep.\n\nChannel 0: by retirement. If we bump that down to a balance fund, you kind of go from\n\nChannel 1: Yeah.\n\nChannel 0: about $2.20 to $2.75. So for every risk level we go down, you're probably giving\n\nChannel 1: Yeah.\n\nChannel 0: up potentially 25 to 50,000.\n\nChannel 1: Yeah.\n\nChannel 0: Now what would generally happen? So if we did continue the course with this current plan, if the market dropped this year, we would be using it as a bit of a buying opportunity to buy some shares and property at a cheaper price so\n\nChannel 1: Yeah.\n\nChannel 0: that when the market goes back up, you can get a\n\nChannel 1: Yeah.\n\nChannel 0: nice double digit\n\nChannel 1: Yep.\n\nChannel 0: return. And then we reduce the risk level down twelve months from now. And then a year or two later,\n\nChannel 1: Yep.\n\nChannel 0: we do the same thing, and we go from there.\n\nChannel 1: Okay. Well, I mean, gold's still fairly strong and there's still\n\nChannel 0: Yep.\n\nChannel 1: yeah. I I reckon we just leave it, and we'll look at it again in twelve months.\n\nChannel 0: Yep. And that's the, I guess, the conventional wisdom, which does work out really well over an average period of time, seven to nine years. We just need to be very conscious that the timing of market crashes tends\n\nChannel 1: Yeah.\n\nChannel 0: to happen every seven years or so. So\n\nChannel 1: Okay.\n\nChannel 0: this may sound like a bit of a double edged sword,\n\nChannel 1: Yeah.\n\nChannel 0: but it would be better for you for the market\n\nChannel 1: Yep.\n\nChannel 0: to crash this year and then get\n\nChannel 1: And\n\nChannel 0: six solid years of growth\n\nChannel 1: yeah.\n\nChannel 0: than for\n\nChannel 1: Yeah.\n\nChannel 0: it to happen a year before retirement.\n\nChannel 1: Yeah. Yeah. Fair. That makes sense.\n\nChannel 0: K?\n\nChannel 1: Okay.\n\nChannel 0: If we manage to get another double digit return over the next twelve months and the market hasn't crashed, I will probably be calling you up straight away saying let's reduce it\n\nChannel 1: Let's\n\nChannel 0: down now\n\nChannel 1: do\n\nChannel 0: and\n\nChannel 1: it now.\n\nChannel 0: take some of\n\nChannel 1: Yeah.\n\nChannel 0: the winners. Yeah.\n\nChannel 1: Yep. That sounds reasonable.\n\nChannel 0: K? The only other flip side is if the market crash happens towards the end of the year and I call you up and we're still down a little bit, it'll be another twelve month wait to get the growth\n\nChannel 1: Yeah.\n\nChannel 0: and then pair it down.\n\nChannel 1: Yeah. Okay. That's okay. Yeah. No.\n\nChannel 0: So\n\nChannel 1: I think we'll stick yep. Stick with that plan.\n\nChannel 0: Cool. I'll be pretty well joining on the spot every twelve months with you to make sure\n\nChannel 1: Mhmm.\n\nChannel 0: that we we adjust that as necessary just to get the the growth that we need and then at the right times reduce the risk.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: K? The other thing is you had about eight different investment options, which you'll see in the report that we sent you.\n\nChannel 1: Mhmm.\n\nChannel 0: Seven out of eight of them had fantastic returns of anywhere between 540% depending\n\nChannel 1: Yep.\n\nChannel 0: on the gold and the shares and things like that. You did have one option, which was the Australian shares in Bennelong, which was diving quite quickly, and it dropped about 17%. So it was the only kind of really negative option\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: in the whole portfolio.\n\nChannel 1: Okay.\n\nChannel 0: The two things I wanted to mention is that you're still positive for the year just\n\nChannel 1: Yep.\n\nChannel 0: even though market's been crazy, but we already made a change to your portfolio a few months ago.\n\nChannel 1: Yep.\n\nChannel 0: I don't know if you remember getting a\n\nChannel 1: Yeah.\n\nChannel 0: record\n\nChannel 1: I did.\n\nChannel 0: of advice\n\nChannel 1: Yep.\n\nChannel 0: email.\n\nChannel 1: I did see that. Yep.\n\nChannel 0: So, normally, what would happen is if I do a review with you and there's one option that's not doing its thing, we would discuss whether we just kind of give it time to bounce back or do a bit of a tune up and switch\n\nChannel 1: Yep.\n\nChannel 0: out the option. However, in this case, because of how fast it\n\nChannel 1: It\n\nChannel 0: was causing\n\nChannel 1: happened. Yeah.\n\nChannel 0: issues,\n\nChannel 1: Yep.\n\nChannel 0: the licensee made a decision in the investment committee across all clients to divest out of that and go to a safer passive option, lower fees, better returns across the whole client base.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So what I can basically see is that all the options that you've got combined together actually look really good. It's just that there was one bad apple and we've already jumped on it. That's\n\nChannel 1: Yeah.\n\nChannel 0: not normally the process, but we just had to make a decision\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: nip\n\nChannel 1: Mhmm.\n\nChannel 0: it in the bud quickly.\n\nChannel 1: Good planning.\n\nChannel 0: Cool. So, yeah, it worked out very well because that's now\n\nChannel 1: Yeah.\n\nChannel 0: jumped up positive, and you're in this fantastic option. So really good move, but it's normally, we would go through this full review, discuss it. You would read it first, sign off.\n\nChannel 1: Yes. Yep.\n\nChannel 0: K? So at the moment, I'll do a bit of a trim down on the insurances, let the portfolio go for twelve months, and then discuss a risk level change and a bit of a transition contribution strategy once you've talked about the salary packaging.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Okay. Cool.\n\nChannel 0: The only other thing that I wanted to check well,\n\nChannel 1: And\n\nChannel 0: before I move on, do you have any questions so far?\n\nChannel 1: then do I need to let you know once I organize something with the salary packaging or salary?\n\nChannel 0: If you do, that's always lovely, but\n\nChannel 1: Yep.\n\nChannel 0: we will capture it at the next review. That'll\n\nChannel 1: Yep.\n\nChannel 0: be one\n\nChannel 1: Okay.\n\nChannel 0: of the questions\n\nChannel 1: Cool.\n\nChannel 0: that I ask.\n\nChannel 1: Alright. Sweet.\n\nChannel 0: Okay? When it comes to the estate planning kind of thing, do you know if you are putting in place a power of attorney as well as the will?\n\nChannel 1: Yes. We are.\n\nChannel 0: Perfect. Alright. So I'm just gonna make a quick note that both of those are in progress.\n\nChannel 1: Yep.\n\nChannel 0: And the last thing I want to check was just in terms of beneficiaries, but I'm assuming that you're still just wanting to make sure Craig is listed on the life insurance and the super.\n\nChannel 1: That's correct.\n\nChannel 0: Cool. Alright. I'll double check those details straight after the call, and I'll send you a message if there's anything I missed, but I believe those have all been put in\n\nChannel 1: Yep.\n\nChannel 0: place.\n\nChannel 1: Yep. And, yeah, like, that's where the wheel has gone down that path. We've just got two kids, so that's it's pretty straightforward. It'll just be split between, and they'll be joint executives. So\n\nChannel 0: Okay. Perfect.\n\nChannel 1: it won't be too too complicated.\n\nChannel 0: Nothing too messy. That's what we like to hear.\n\nChannel 1: No.\n\nChannel 0: There's a bit\n\nChannel 1: Yep.\n\nChannel 0: too much\n\nChannel 1: I\n\nChannel 0: of that\n\nChannel 1: mean\n\nChannel 0: going on in the world.\n\nChannel 1: yeah. That's true. Trying to clean things up as much as we can before. Had a good good example of my dad. He called me up about, I don't know, eight months ago or so, and he's like, oh, just letting you know that, you know, which I knew I was his power of attorney and that.\n\nBut he's, like, got a folder, and he goes, I've got this folder. He goes, it's got all my passwords. It's got all my insurances. He's listed everything out. They've prepaid their bills.\n\nI'm like, okay. I need to do that because that was such\n\nChannel 0: That's\n\nChannel 1: a, like,\n\nChannel 0: wonderful. That\n\nChannel 1: relief\n\nChannel 0: doesn't happen\n\nChannel 1: for me\n\nChannel 0: often.\n\nChannel 1: thinking because I end up being executive for both Craig's parents, and it's just such a minefield, particularly when his dad had shares and stuff as well. So, yeah, it was pretty for one, and I was like, oh god. Then if we have to go through all that again, but this time, it'll be much easier because he's done the work. So\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: figured\n\nChannel 0: hoping\n\nChannel 1: that's\n\nChannel 0: to\n\nChannel 1: what I\n\nChannel 0: pass\n\nChannel 1: should\n\nChannel 0: on\n\nChannel 1: do\n\nChannel 0: that\n\nChannel 1: with my\n\nChannel 0: peace\n\nChannel 1: kids.\n\nChannel 0: of mind down the line?\n\nChannel 1: Yeah. That's it. My kids deserve that. So\n\nChannel 0: Yeah. That's amazing.\n\nChannel 1: I'll try and try and get it all in order.\n\nChannel 0: You wouldn't believe how many people I talked to where they're like, not bugger them. They\n\nChannel 1: Yep.\n\nChannel 0: can figure it out. And I'm like, oh, really? Just just spend one afternoon sorting it for them, please.\n\nChannel 1: Oh, no. It's the one who had to figure it out. That's just not fun.\n\nChannel 0: Paula,\n\nChannel 1: Trying to go\n\nChannel 0: I\n\nChannel 1: through and they they lived in Perth. We had to be, like going over and just, like, crawling through paperwork\n\nChannel 0: did you have\n\nChannel 1: and\n\nChannel 0: to fly\n\nChannel 1: stuff that\n\nChannel 0: across\n\nChannel 1: he'd\n\nChannel 0: to\n\nChannel 1: held\n\nChannel 0: go through\n\nChannel 1: for\n\nChannel 0: all of their boxes?\n\nChannel 1: like, his shared portfolio was all handwritten, and he used to, like, sit at the table and update it every week. And, honestly, you know, I don't know. I was just, like, looking at it, and I was like, oh my god. But yeah.\n\nChannel 0: I can\n\nChannel 1: He\n\nChannel 0: picture that\n\nChannel 1: yeah.\n\nChannel 0: everyone's sitting there with a coffee just trolling through paperwork going,\n\nChannel 1: Yeah.\n\nChannel 0: what's\n\nChannel 1: And\n\nChannel 0: this one?\n\nChannel 1: that's\n\nChannel 0: This\n\nChannel 1: pretty\n\nChannel 0: one's\n\nChannel 1: much\n\nChannel 0: gonna\n\nChannel 1: what\n\nChannel 0: stay\n\nChannel 1: it was.\n\nChannel 0: on it.\n\nChannel 1: We were\n\nChannel 0: This\n\nChannel 1: finding\n\nChannel 0: looks important.\n\nChannel 1: stuff left, right, and center. I was like, oh god.\n\nChannel 0: Dear. Well,\n\nChannel 1: So, yeah,\n\nChannel 0: I'm glad\n\nChannel 1: let's\n\nChannel 0: you're\n\nChannel 1: not\n\nChannel 0: sorting\n\nChannel 1: do that.\n\nChannel 0: that out.\n\nChannel 1: Yeah. Let's not do that.\n\nChannel 0: I wanted to\n\nChannel 1: Yep.\n\nChannel 0: just quickly check with you as well just in terms of goals. We had quite a few different goals listed since you\n\nChannel 1: Yep.\n\nChannel 0: came on board. Did you end up going on holiday to England?\n\nChannel 1: We did. Yep. Yeah. We did the big Europe, UK trip. We\n\nChannel 0: Fantastic.\n\nChannel 1: were away for\n\nChannel 0: So that one's\n\nChannel 1: nine\n\nChannel 0: achieved.\n\nChannel 1: weeks. That was amazing.\n\nChannel 0: Nine\n\nChannel 1: Yep.\n\nChannel 0: weeks. Wow.\n\nChannel 1: Yeah.\n\nChannel 0: K.\n\nChannel 1: Well, it was it was brilliant. Loved it. It was really, really good.\n\nChannel 0: We you were gonna look at maybe an investment property. Is that on the cards, off the\n\nChannel 1: Okay.\n\nChannel 0: cards?\n\nChannel 1: So we didn't go down investment property route. We have bought into a fractional ownership with our timeshare, which we've been in for twenty odd years. We've we've went fractional with them. So look. I don't know that there's any huge return financially at the end, but it gave us a lot better benefits for traveling, like, over the next ten years sort of thing.\n\nSo, yeah, I'm\n\nChannel 0: K.\n\nChannel 1: not\n\nChannel 0: So\n\nChannel 1: sure\n\nChannel 0: that's\n\nChannel 1: how\n\nChannel 0: good\n\nChannel 1: that\n\nChannel 0: for the traveling, and we'll just kind of can the property side of things at the moment.\n\nChannel 1: I think so for the moment. Yeah.\n\nChannel 0: Yep. And then outside of that, we still wanna just wanna make sure I think we've got you listed at age 67 for retirement and a bit of a combination with Craig where, let's say, you've got, hopefully, the mortgage paid down as\n\nChannel 1: Yep.\n\nChannel 0: much as possible, and then\n\nChannel 1: Yep.\n\nChannel 0: you'll kind of contribute about 500 a week in today's dollars after tax, and then\n\nChannel 1: Yep.\n\nChannel 0: his will kind of take over the rest.\n\nChannel 1: Yep. Correct.\n\nChannel 0: Nation with partner and mortgage off. That'll be the main thing. Outside of that, you were doing some renovating. I think that was initially did you end up finalizing all the renovating?\n\nChannel 1: It's not finished, but it's well and truly on its way. So we've done the front house front part, and we've got the next door is up. We just now gathered the back of the house, and we're halfway through finishing that. So that should possibly be completed, I'd say, early next year. Fingers\n\nChannel 0: Yep.\n\nChannel 1: crossed.\n\nChannel 0: That's a bit of a twelve month thing. And are you still looking at at some point downsizing, or is that with\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: think\n\nChannel 0: a bit\n\nChannel 1: so.\n\nChannel 0: of a\n\nChannel 1: Yeah. I mean, Craig's not as keen, but we've got, like, 30 upstairs to the upper level, and that's not gonna be practical, you know, if if we were to lose our mobility or whatever. So\n\nChannel 0: Yeah.\n\nChannel 1: but probably, you know, that's probably, in his eyes, ten years down the track. In mine, maybe about eight, nine. But\n\nChannel 0: Yeah. And\n\nChannel 1: yeah.\n\nChannel 0: that'll be a nice little way to cap things off because we'll do a few little things here to kind of boost up the super, and you'll be focusing on the mortgage. And then once you go if you do do a downsize, the debt goes, the super is prepared in a pension. You've got somewhere that's a bit more practical for the retirement side of things. It just kinda ticks about three different boxes for you, and\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: Yeah.\n\nChannel 0: usually a pretty good move.\n\nChannel 1: Because the other the other thing I was going to ask too is I feel like, and I mentioned it last year to him that he's just really bad with stuff like this, but I really would like them to take a look at Craig's situation. His\n\nChannel 0: Yep.\n\nChannel 1: soup is not great, and so it's not but I just feel like there's probably a better way for him to at least have a plan and a strategy.\n\nChannel 0: Yeah.\n\nChannel 1: So I don't know\n\nChannel 0: Is\n\nChannel 1: how\n\nChannel 0: he\n\nChannel 1: we go about\n\nChannel 0: at\n\nChannel 1: doing\n\nChannel 0: a similar\n\nChannel 1: that.\n\nChannel 0: age to yourself? Older, younger?\n\nChannel 1: Now he's older than me, so he's 62.\n\nChannel 0: 62. K.\n\nChannel 1: And he's got no no plans of retiring.\n\nChannel 0: That's right. So continue on for ten years plus and just keep going kind\n\nChannel 1: So\n\nChannel 0: of thing.\n\nChannel 1: that's that's yeah. He's just he's one of those weird people that actually loves his work and just wants to keep doing it.\n\nChannel 0: Yeah. So\n\nChannel 1: But\n\nChannel 0: what\n\nChannel 1: he's\n\nChannel 0: I\n\nChannel 1: happy\n\nChannel 0: might\n\nChannel 1: to\n\nChannel 0: do\n\nChannel 1: travel\n\nChannel 0: if\n\nChannel 1: in\n\nChannel 0: you want,\n\nChannel 1: between. So\n\nChannel 0: we can do a bit of a complimentary review just to see if there is\n\nChannel 1: yep.\n\nChannel 0: anything that we can kind of alter in preparation for retirement. It's usually\n\nChannel 1: Yep. Yep.\n\nChannel 0: a bit of a two step where we review and restructure possibly, and then it's all just strategies in terms of contributions and risk level as\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: transition\n\nChannel 1: I think he\n\nChannel 0: across.\n\nChannel 1: needs to like, he's super busy. Just always I think it's always been with. And I just said\n\nChannel 0: Yep.\n\nChannel 1: to him, we need to look at that and just do something that's a little bit, I think, a little bit better than that. So\n\nChannel 0: Well, I'll give you a moment to kind of obviously have that chat with him, and\n\nChannel 1: yep.\n\nChannel 0: then I'll get the girls to kind of reach out and see if they can book a time to see if he'll\n\nChannel 1: Yep.\n\nChannel 0: go through that research with us so that we can at least see if there is anything we can do to help.\n\nChannel 1: Yep. Yeah. Sounds good.\n\nChannel 0: Alrighty. Outside of that, do you have any other questions for me before I kind of cap off the review?\n\nChannel 1: No. I think that's all good.\n\nChannel 0: K. So when it comes to the review at the moment, I was wanting to kind of line up your next review possibly\n\nChannel 1: Yep.\n\nChannel 0: in twelve months' time to go over, obviously, the updated contribution, salary packaging, and pre retirement planning. Are you okay for a twelve month catch up frequency? Would you like me to schedule in, like, six months, quarterly, anything more frequent?\n\nChannel 1: Let's stick with the twelve months for now. If anything drastically changes, then I'll contact you guys and see if we can bring\n\nChannel 0: Yeah.\n\nChannel 1: it forward maybe.\n\nChannel 0: Just reach out. We can always book in an ad hoc consultation at any point,\n\nChannel 1: Yep.\n\nChannel 0: especially if there's been any significant change or or anything that you need to change.\n\nChannel 1: Mhmm. Alright.\n\nChannel 0: So with the the documents that I've sent through to you in the annual review pack, it does include an updated service agreement with financial services guide with our updated licensing information. So just so that you've got that in the back of your mind, we've got the fees are still 1.65%, and then that's split into the little monthly payments. And your Superfund claims a 15% tax rebate on all expenses as well. If you do recommend Cray to receive advice as well, we do offer partnership discounts to 1.1%, which would\n\nChannel 1: Yep.\n\nChannel 0: drop a bit of that off too.\n\nChannel 1: Okay. Cool.\n\nChannel 0: K? Now have you ever used our new Odoo sign system before?\n\nChannel 1: I think I did last time.\n\nChannel 0: K. So the quick reminder I'll give you for navigating it is the attachments at the bottom of the email are just normal email PDF attachments.\n\nChannel 1: Okay.\n\nChannel 0: The actual sign link will ask you to consent first through electronic signature, then\n\nChannel 1: Yes.\n\nChannel 0: it'll open up the documents for you to scroll through and read.\n\nChannel 1: Yes.\n\nChannel 0: When you're ready to sign them, you just click the purple buttons to bring you to the signature spot. It'll\n\nChannel 1: Yes.\n\nChannel 0: automatically stamp a signature and date on. But if you wanna draw your signature to match your license, you can just click on it, and there'll be a pop up to let you draw it.\n\nChannel 1: Cool. Yeah. I've\n\nChannel 0: Okay.\n\nChannel 1: used them before.\n\nChannel 0: Perfect.\n\nChannel 1: Now can\n\nChannel 0: Alright.\n\nChannel 1: I just ask,\n\nChannel 0: Pull\n\nChannel 1: have\n\nChannel 0: up.\n\nChannel 1: you already sent anything through?\n\nChannel 0: Yes. I did send it through to your BigPond. Did you end up getting that at the start of the call?\n\nChannel 1: I think I did my computer. Just I thought I was just looking through my email thinking I'm not it hasn't updated. It's fine now.\n\nChannel 0: It should come up with a Oakview Financial signature request and your review pack with your name on it. Sometimes it goes to the old spam box, sometimes the\n\nChannel 1: Yeah.\n\nChannel 0: main\n\nChannel 1: That's\n\nChannel 0: inbox\n\nChannel 1: what\n\nChannel 0: for\n\nChannel 1: I'm\n\nChannel 0: the\n\nChannel 1: thinking.\n\nChannel 0: first one.\n\nChannel 1: There it is. K. I'm just gonna make you a trusted.\n\nChannel 0: There we go.\n\nChannel 1: I have to pick up the right laptop. I'm trying to pick up my work tablet, and I'm like, oh, why is it not coming up?\n\nChannel 0: Oh,\n\nChannel 1: Probably\n\nChannel 0: that's\n\nChannel 1: because that's not the right code for\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay. Here we go.\n\nChannel 0: Now, Paula,\n\nChannel 1: Yep.\n\nChannel 0: while you're going through that, I just wanted to ask you in terms of our next catch up for the insurance reduction. Do you have a lot of availability towards the end of June or the first week of July? Would it be pretty easy to schedule in a time with you, or is\n\nChannel 1: Yep.\n\nChannel 0: there a period that's no\n\nChannel 1: Yeah.\n\nChannel 0: good?\n\nChannel 1: Yeah. No. That's okay. Mondays are a good day for me.\n\nChannel 0: Mondays are a good day. Because what I'm gonna do is my team's just gonna do that reduction quote in\n\nChannel 1: Yep.\n\nChannel 0: between now and then. I'm actually about to go on some brief paternity leave. My third child\n\nChannel 1: Oh, that's\n\nChannel 0: is on\n\nChannel 1: exciting.\n\nChannel 0: the way, mid June. Thank you.\n\nChannel 1: Congratulations.\n\nChannel 0: Thank you. So what I'll do be doing is they'll put the plan together and the reduction in between. And then as soon as I get back to the office towards the third week of June, I'm\n\nChannel 1: Yep.\n\nChannel 0: just gonna get you booked in to quickly go through that before your anniversary date for the premiums.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Worst case scenario, if that does come out just before we reduce it, they will still give you a pro rata refund. So if\n\nChannel 1: Yep.\n\nChannel 0: it's two days into\n\nChannel 1: Yeah.\n\nChannel 0: the new year, they'll refund, you know,\n\nChannel 1: Yep.\n\nChannel 0: 99.8% of it back\n\nChannel 1: Yep. Gotcha.\n\nChannel 0: as long as we get it all done before your next birthday, which impacts pricing, which is October. So that's\n\nChannel 1: Yep.\n\nChannel 0: perfect.\n\nChannel 1: Okay.\n\nChannel 0: Alright. I'm just gonna say Monday's preferable and end of June, early July. Perfect. Any other questions for me, Paula, before I let you go?\n\nChannel 1: Nope. I think it's good. Thank you. It's been really informative and helpful.\n\nChannel 0: I love it. Thank you so much for spending\n\nChannel 1: Alright.\n\nChannel 0: the time with me this morning.\n\nChannel 1: And good luck with the birth of the third.\n\nChannel 0: Thank you so much. I caught\n\nChannel 1: Alright.\n\nChannel 0: the second\n\nChannel 1: I'll\n\nChannel 0: one.\n\nChannel 1: talk\n\nChannel 0: He is\n\nChannel 1: to you\n\nChannel 0: hoping\n\nChannel 1: soon.\n\nChannel 0: I don't with the third.\n\nChannel 1: Fingers\n\nChannel 0: Alright.\n\nChannel 1: crossed. Alright.\n\nChannel 0: See you later,\n\nChannel 1: Thanks,\n\nChannel 0: Paula.\n\nChannel 1: Zoe. Have a good\n\nChannel 0: Bye.\n\nChannel 1: day. Bye.","paragraphs":[{"sentences":[{"text":"If you called your name and reason for calling, I'll see if this person is available.","start":0.24,"end":4.42,"sentiment":"neutral","sentiment_score":0.004394205694552511}],"sentiment":"neutral","sentiment_score":0.004394205694552511,"channel":1,"num_words":16,"start":0.24,"end":4.42},{"sentences":[{"text":"Tommy from Oakview annual review.","start":6.3999996,"end":9.139999,"sentiment":"neutral","sentiment_score":0.04105496853590011}],"sentiment":"neutral","sentiment_score":0.04105496853590011,"channel":0,"num_words":5,"start":6.3999996,"end":9.139999},{"sentences":[{"text":"Thanks, Tommy.","start":13.5199995,"end":14.5,"sentiment":"positive","sentiment_score":0.3369936943054199},{"text":"Please stay on the line.","start":14.804999,"end":15.945,"sentiment":"neutral","sentiment_score":0.17874568998813628},{"text":"Hello.","start":18.005,"end":18.404999,"sentiment":"neutral","sentiment_score":0.08477849513292313},{"text":"Paula speaking.","start":18.404999,"end":19.224998,"sentiment":"neutral","sentiment_score":0.0784790851175785}],"sentiment":"neutral","sentiment_score":0.18094525039196013,"channel":1,"num_words":10,"start":13.5199995,"end":19.224998},{"sentences":[{"text":"Good morning, Paul.","start":19.855,"end":20.654999,"sentiment":"neutral","sentiment_score":0.2936874032020569},{"text":"It's Thomas here, senior adviser from.","start":20.654999,"end":22.654999,"sentiment":"neutral","sentiment_score":0.1869813452164332},{"text":"How are you going today?","start":22.654999,"end":23.795,"sentiment":"neutral","sentiment_score":0.2013905555009842}],"sentiment":"neutral","sentiment_score":0.2149930756006922,"channel":0,"num_words":14,"start":19.855,"end":23.795},{"sentences":[{"text":"I'm well, Tommy.","start":24.005,"end":24.884998,"sentiment":"neutral","sentiment_score":0.28262612223625183},{"text":"How are you today?","start":24.884998,"end":25.865,"sentiment":"neutral","sentiment_score":0.24518224969506264}],"sentiment":"neutral","sentiment_score":0.2612296236412866,"channel":1,"num_words":7,"start":24.005,"end":25.865},{"sentences":[{"text":"I'm doing fantastic.","start":26.03,"end":27.25,"sentiment":"positive","sentiment_score":0.7156155506769816},{"text":"It's a bright, beautiful day on the Gold Coast.","start":27.470001,"end":29.310001,"sentiment":"positive","sentiment_score":0.5831522477997674},{"text":"What about your end?","start":29.310001,"end":30.45,"sentiment":"neutral","sentiment_score":0.14715715870261192}],"sentiment":"positive","sentiment_score":0.4989903448149562,"channel":0,"num_words":16,"start":26.03,"end":30.45},{"sentences":[{"text":"Yeah.","start":30.380001,"end":30.7,"sentiment":"neutral","sentiment_score":0.08563558757305145},{"text":"No.","start":30.7,"end":30.86,"sentiment":"neutral","sentiment_score":0.030970288440585136},{"text":"It's actually quite sunny today in Melbourne as well.","start":30.86,"end":33.1,"sentiment":"neutral","sentiment_score":0.1230973568227556},{"text":"Looking alright today.","start":33.1,"end":34.24,"sentiment":"neutral","sentiment_score":0.15861672163009644},{"text":"A bit chilly","start":34.3,"end":34.86,"sentiment":"neutral","sentiment_score":0.04987081388632456}],"sentiment":"neutral","sentiment_score":0.10882027611574706,"channel":1,"num_words":17,"start":30.380001,"end":34.86},{"sentences":[{"text":"Glad","start":34.67,"end":34.99,"sentiment":"positive","sentiment_score":0.370505154132843}],"sentiment":"positive","sentiment_score":0.370505154132843,"channel":0,"num_words":1,"start":34.67,"end":34.99},{"sentences":[{"text":"this","start":34.86,"end":35.1,"sentiment":"positive","sentiment_score":0.3493548035621643}],"sentiment":"positive","sentiment_score":0.3493548035621643,"channel":1,"num_words":1,"start":34.86,"end":35.1},{"sentences":[{"text":"to 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weather.","start":37.58,"end":38.22,"sentiment":"neutral","sentiment_score":0.2589919865131378}],"sentiment":"neutral","sentiment_score":0.2589919865131378,"channel":1,"num_words":2,"start":37.58,"end":38.22},{"sentences":[{"text":"of winter.","start":37.885,"end":38.545,"sentiment":"neutral","sentiment_score":0.05009636655449867}],"sentiment":"neutral","sentiment_score":0.05009636655449867,"channel":0,"num_words":2,"start":37.885,"end":38.545},{"sentences":[{"text":"We haven't had rain for a while.","start":38.22,"end":39.58,"sentiment":"neutral","sentiment_score":0.017281985442553247},{"text":"So","start":39.58,"end":39.66,"sentiment":"neutral","sentiment_score":0.12916311621665957}],"sentiment":"neutral","sentiment_score":0.031267126789316535,"channel":1,"num_words":8,"start":38.22,"end":39.66},{"sentences":[{"text":"Oh, that's a good one.","start":40.045,"end":42.065,"sentiment":"positive","sentiment_score":0.4185383439064026}],"sentiment":"positive","sentiment_score":0.4185383439064026,"channel":0,"num_words":5,"start":40.045,"end":42.065},{"sentences":[{"text":"I","start":42.195,"end":42.695,"sentiment":"neutral","sentiment_score":0.132766991853714}],"sentiment":"neutral","sentiment_score":0.132766991853714,"channel":1,"num_words":1,"start":42.195,"end":42.695},{"sentences":[{"text":"I'm just giving you a call to go through","start":42.204998,"end":44.284996,"sentiment":"neutral","sentiment_score":0.09596220569478141}],"sentiment":"neutral","sentiment_score":0.09596220569478141,"channel":0,"num_words":9,"start":42.204998,"end":44.284996},{"sentences":[{"text":"know.","start":43.995,"end":44.495,"sentiment":"neutral","sentiment_score":0.09366856515407562}],"sentiment":"neutral","sentiment_score":0.09366856515407562,"channel":1,"num_words":1,"start":43.995,"end":44.495},{"sentences":[{"text":"your annual review.","start":44.284996,"end":45.425,"sentiment":"neutral","sentiment_score":0.07134043922026952}],"sentiment":"neutral","sentiment_score":0.07134043922026952,"channel":0,"num_words":3,"start":44.284996,"end":45.425},{"sentences":[{"text":"Yep.","start":45.795,"end":46.295,"sentiment":"neutral","sentiment_score":0.09374552965164185}],"sentiment":"neutral","sentiment_score":0.09374552965164185,"channel":1,"num_words":1,"start":45.795,"end":46.295},{"sentences":[{"text":"Is now still a good time?","start":46.125,"end":47.664997,"sentiment":"neutral","sentiment_score":0.10978065306941669}],"sentiment":"neutral","sentiment_score":0.10978065306941669,"channel":0,"num_words":6,"start":46.125,"end":47.664997},{"sentences":[{"text":"Yeah.","start":47.875,"end":48.035,"sentiment":"neutral","sentiment_score":0.09513190388679504},{"text":"That's fine.","start":48.035,"end":48.855,"sentiment":"neutral","sentiment_score":0.1973535418510437}],"sentiment":"neutral","sentiment_score":0.16327966252962747,"channel":1,"num_words":3,"start":47.875,"end":48.855},{"sentences":[{"text":"Fantastic.","start":49.34,"end":49.84,"sentiment":"positive","sentiment_score":0.5050045251846313},{"text":"So I've got a bit of a pack I'm gonna send out to you.","start":50.14,"end":53.2,"sentiment":"neutral","sentiment_score":0.17892929698739732},{"text":"Before","start":53.58,"end":53.980003,"sentiment":"neutral","sentiment_score":0.03763324394822121}],"sentiment":"neutral","sentiment_score":0.19047799543477595,"channel":0,"num_words":16,"start":49.34,"end":53.980003},{"sentences":[{"text":"Yep.","start":53.635002,"end":54.135002,"sentiment":"neutral","sentiment_score":0.03119324706494808}],"sentiment":"neutral","sentiment_score":0.03119324706494808,"channel":1,"num_words":1,"start":53.635002,"end":54.135002},{"sentences":[{"text":"I do that, are you okay for me just to go through a quick security check with you?","start":53.980003,"end":57.600002,"sentiment":"neutral","sentiment_score":0.0539538005573882},{"text":"Amazing.","start":58.38,"end":58.88,"sentiment":"neutral","sentiment_score":0.1371442824602127},{"text":"So these calls are recorded for training and quality purposes.","start":59.02,"end":62.32,"sentiment":"neutral","sentiment_score":0.055411526933312416},{"text":"I'm registered with ASIC as adviser 1273105.","start":62.675003,"end":66.935,"sentiment":"neutral","sentiment_score":0.061103779290403636},{"text":"Could you please confirm your date of birth and","start":66.995,"end":68.995,"sentiment":"neutral","sentiment_score":0.03186041572027736}],"sentiment":"neutral","sentiment_score":0.05281995907425881,"channel":0,"num_words":45,"start":53.980003,"end":68.995},{"sentences":[{"text":"Sure.","start":68.840004,"end":69.340004,"sentiment":"neutral","sentiment_score":0.02823210135102272}],"sentiment":"neutral","sentiment_score":0.02823210135102272,"channel":1,"num_words":1,"start":68.840004,"end":69.340004},{"sentences":[{"text":"address?","start":68.995,"end":69.495,"sentiment":"neutral","sentiment_score":0.01893671229481697}],"sentiment":"neutral","sentiment_score":0.01893671229481697,"channel":0,"num_words":1,"start":68.995,"end":69.495},{"sentences":[{"text":"Date of birth is the tenth of the tenth nineteen sixty eight, and address is Number 7 Burke Street, Montmorency, Victoria 3094.","start":69.880005,"end":78.125,"sentiment":"neutral","sentiment_score":0.023274267685006966}],"sentiment":"neutral","sentiment_score":0.023274267685006966,"channel":1,"num_words":22,"start":69.880005,"end":78.125},{"sentences":[{"text":"Sensational.","start":78.85,"end":79.35,"sentiment":"neutral","sentiment_score":0.05282684788107872},{"text":"Now with this pack that I'm sending out, Paula, I've got your BigPond address there.","start":79.57,"end":84.45,"sentiment":"neutral","sentiment_score":0.06128904943664869},{"text":"Will you be able to look on to those emails with me today?","start":84.45,"end":87.75,"sentiment":"neutral","sentiment_score":0.046620940359739155}],"sentiment":"neutral","sentiment_score":0.05442189014163511,"channel":0,"num_words":29,"start":78.85,"end":87.75},{"sentences":[{"text":"Yep.","start":88.03,"end":88.43,"sentiment":"neutral","sentiment_score":0.07238022983074188},{"text":"That's fine.","start":88.43,"end":89.33,"sentiment":"neutral","sentiment_score":0.1437823735177517}],"sentiment":"neutral","sentiment_score":0.11998165895541509,"channel":1,"num_words":3,"start":88.03,"end":89.33},{"sentences":[{"text":"Cool.","start":89.585,"end":89.825,"sentiment":"neutral","sentiment_score":0.2250489443540573},{"text":"So I'll send that out.","start":89.825,"end":91.024994,"sentiment":"neutral","sentiment_score":0.16966163814067842},{"text":"No rush in grabbing that up.","start":91.024994,"end":92.305,"sentiment":"neutral","sentiment_score":0.07712169612447421},{"text":"There's a few housekeeping items to go through first, but I'll get that shot through now.","start":92.305,"end":97.604996,"sentiment":"neutral","sentiment_score":0.0759853117633611},{"text":"And there'll be a number of attachments on the email as well as a bit of a link to peruse the documents as well.","start":98.064995,"end":105.71,"sentiment":"neutral","sentiment_score":0.09558172337710857}],"sentiment":"neutral","sentiment_score":0.09703487809747458,"channel":0,"num_words":52,"start":89.585,"end":105.71},{"sentences":[{"text":"Okay.","start":105.415,"end":105.915,"sentiment":"neutral","sentiment_score":0.08529005944728851},{"text":"Yep.","start":106.055,"end":106.555,"sentiment":"neutral","sentiment_score":0.06732147186994553}],"sentiment":"neutral","sentiment_score":0.07630576565861702,"channel":1,"num_words":2,"start":105.415,"end":106.555},{"sentences":[{"text":"Paula, is there anything in particular that you're hoping to get out of this year's review?","start":107.21,"end":111.31,"sentiment":"neutral","sentiment_score":0.05393319309223443}],"sentiment":"neutral","sentiment_score":0.05393319309223443,"channel":0,"num_words":16,"start":107.21,"end":111.31},{"sentences":[{"text":"Look.","start":112.35,"end":112.75,"sentiment":"neutral","sentiment_score":0.00007075763278407976},{"text":"I I wanna still look again at that insurance and just make sure that's we we did some work on it last time.","start":112.75,"end":120.19,"sentiment":"neutral","sentiment_score":0.017306685042770012},{"text":"I think we reduced the inch cover the the I'm not sure if we actually went ahead and did it or we talked about maybe doing it.","start":120.19,"end":128.005,"sentiment":"neutral","sentiment_score":-0.0641037351279347},{"text":"So I just wanted to touch base with that.","start":128.005,"end":130.105,"sentiment":"neutral","sentiment_score":0.04469939445455869}],"sentiment":"neutral","sentiment_score":-0.015506363079111907,"channel":1,"num_words":60,"start":112.35,"end":130.105},{"sentences":[{"text":"Yep.","start":130.28,"end":130.78,"sentiment":"neutral","sentiment_score":0.1042732000350952}],"sentiment":"neutral","sentiment_score":0.1042732000350952,"channel":0,"num_words":1,"start":130.28,"end":130.78},{"sentences":[{"text":"And, also, I just wanted to check on this I think I've got another retirement fund coming up and or as in, like, open.","start":130.485,"end":141.545,"sentiment":"neutral","sentiment_score":0.03067734674550593},{"text":"And I thought we changed everything over to just the 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that's","start":2617.21,"end":2617.665,"sentiment":"neutral","sentiment_score":0.16364824771881104}],"sentiment":"neutral","sentiment_score":0.05135273560881615,"channel":0,"num_words":20,"start":2612.5698,"end":2617.665},{"sentences":[{"text":"Yep.","start":2617.5051,"end":2618.0051,"sentiment":"neutral","sentiment_score":0.2101389616727829}],"sentiment":"neutral","sentiment_score":0.2101389616727829,"channel":1,"num_words":1,"start":2617.5051,"end":2618.0051},{"sentences":[{"text":"perfect.","start":2617.825,"end":2618.325,"sentiment":"positive","sentiment_score":0.4406563341617584}],"sentiment":"positive","sentiment_score":0.4406563341617584,"channel":0,"num_words":1,"start":2617.825,"end":2618.325},{"sentences":[{"text":"Okay.","start":2619.265,"end":2619.765,"sentiment":"neutral","sentiment_score":0.1570197492837906}],"sentiment":"neutral","sentiment_score":0.1570197492837906,"channel":1,"num_words":1,"start":2619.265,"end":2619.765},{"sentences":[{"text":"Alright.","start":2621.665,"end":2621.905,"sentiment":"neutral","sentiment_score":0.18447166681289673},{"text":"I'm just gonna say Monday's preferable and end of June, early July.","start":2621.905,"end":2629.7651,"sentiment":"neutral","sentiment_score":0.18383583426475525},{"text":"Perfect.","start":2630.1802,"end":2630.6802,"sentiment":"positive","sentiment_score":0.4849410653114319},{"text":"Any other questions for me, Paula, before I let you go?","start":2630.9001,"end":2633.32,"sentiment":"neutral","sentiment_score":0.14615285328843378}],"sentiment":"neutral","sentiment_score":0.1793249651789665,"channel":0,"num_words":25,"start":2621.665,"end":2633.32},{"sentences":[{"text":"Nope.","start":2633.41,"end":2633.89,"sentiment":"neutral","sentiment_score":0.07143144309520721},{"text":"I think it's good.","start":2633.89,"end":2635.09,"sentiment":"positive","sentiment_score":0.6961811184883118},{"text":"Thank you.","start":2635.09,"end":2635.81,"sentiment":"positive","sentiment_score":0.8279270827770233},{"text":"It's been really informative and helpful.","start":2635.81,"end":2637.8552,"sentiment":"positive","sentiment_score":0.8603912889957428}],"sentiment":"positive","sentiment_score":0.7441813705059198,"channel":1,"num_words":13,"start":2633.41,"end":2637.8552},{"sentences":[{"text":"I love it.","start":2638.9001,"end":2639.62,"sentiment":"positive","sentiment_score":0.886548658212026},{"text":"Thank you so much for spending","start":2639.62,"end":2640.82,"sentiment":"positive","sentiment_score":0.7793725530306498}],"sentiment":"positive","sentiment_score":0.8150979214244418,"channel":0,"num_words":9,"start":2638.9001,"end":2640.82},{"sentences":[{"text":"Alright.","start":2640.635,"end":2641.135,"sentiment":"positive","sentiment_score":0.3446335792541504}],"sentiment":"positive","sentiment_score":0.3446335792541504,"channel":1,"num_words":1,"start":2640.635,"end":2641.135},{"sentences":[{"text":"the time with me this morning.","start":2640.82,"end":2642.085,"sentiment":"positive","sentiment_score":0.5287355730930964}],"sentiment":"positive","sentiment_score":0.5287355730930964,"channel":0,"num_words":6,"start":2640.82,"end":2642.085},{"sentences":[{"text":"And good luck with the birth of the third.","start":2642.155,"end":2644.3352,"sentiment":"positive","sentiment_score":0.5864144828584459}],"sentiment":"positive","sentiment_score":0.5864144828584459,"channel":1,"num_words":9,"start":2642.155,"end":2644.3352},{"sentences":[{"text":"Thank you so much.","start":2644.7249,"end":2645.525,"sentiment":"positive","sentiment_score":0.7471413612365723},{"text":"I caught","start":2645.525,"end":2645.925,"sentiment":"neutral","sentiment_score":0.20495210587978363}],"sentiment":"positive","sentiment_score":0.566411609450976,"channel":0,"num_words":6,"start":2644.7249,"end":2645.925},{"sentences":[{"text":"Alright.","start":2645.789,"end":2646.269,"sentiment":"neutral","sentiment_score":0.060559194535017014}],"sentiment":"neutral","sentiment_score":0.060559194535017014,"channel":1,"num_words":1,"start":2645.789,"end":2646.269},{"sentences":[{"text":"the second","start":2645.925,"end":2646.325,"sentiment":"neutral","sentiment_score":0.032976917922496796}],"sentiment":"neutral","sentiment_score":0.032976917922496796,"channel":0,"num_words":2,"start":2645.925,"end":2646.325},{"sentences":[{"text":"I'll","start":2646.269,"end":2646.509,"sentiment":"neutral","sentiment_score":0.03619829937815666}],"sentiment":"neutral","sentiment_score":0.03619829937815666,"channel":1,"num_words":1,"start":2646.269,"end":2646.509},{"sentences":[{"text":"one.","start":2646.325,"end":2646.565,"sentiment":"neutral","sentiment_score":0.03568781167268753}],"sentiment":"neutral","sentiment_score":0.03568781167268753,"channel":0,"num_words":1,"start":2646.325,"end":2646.565},{"sentences":[{"text":"talk","start":2646.509,"end":2646.749,"sentiment":"neutral","sentiment_score":0.04821071773767471}],"sentiment":"neutral","sentiment_score":0.04821071773767471,"channel":1,"num_words":1,"start":2646.509,"end":2646.749},{"sentences":[{"text":"He is","start":2646.565,"end":2646.885,"sentiment":"neutral","sentiment_score":0.0048595629632473}],"sentiment":"neutral","sentiment_score":0.0048595629632473,"channel":0,"num_words":2,"start":2646.565,"end":2646.885},{"sentences":[{"text":"to you","start":2646.749,"end":2646.909,"sentiment":"neutral","sentiment_score":0.04735732078552246}],"sentiment":"neutral","sentiment_score":0.04735732078552246,"channel":1,"num_words":2,"start":2646.749,"end":2646.909},{"sentences":[{"text":"hoping","start":2646.885,"end":2647.205,"sentiment":"neutral","sentiment_score":0.029416337609291077}],"sentiment":"neutral","sentiment_score":0.029416337609291077,"channel":0,"num_words":1,"start":2646.885,"end":2647.205},{"sentences":[{"text":"soon.","start":2646.909,"end":2647.409,"sentiment":"neutral","sentiment_score":0.01784934103488922}],"sentiment":"neutral","sentiment_score":0.01784934103488922,"channel":1,"num_words":1,"start":2646.909,"end":2647.409},{"sentences":[{"text":"I don't with the third.","start":2647.205,"end":2648.345,"sentiment":"neutral","sentiment_score":-0.08985326886177063}],"sentiment":"neutral","sentiment_score":-0.08985326886177063,"channel":0,"num_words":5,"start":2647.205,"end":2648.345},{"sentences":[{"text":"Fingers","start":2650.589,"end":2651.089,"sentiment":"neutral","sentiment_score":-0.014612764120101929}],"sentiment":"neutral","sentiment_score":-0.014612764120101929,"channel":1,"num_words":1,"start":2650.589,"end":2651.089},{"sentences":[{"text":"Alright.","start":2650.805,"end":2651.305,"sentiment":"neutral","sentiment_score":0.07077266275882721}],"sentiment":"neutral","sentiment_score":0.07077266275882721,"channel":0,"num_words":1,"start":2650.805,"end":2651.305},{"sentences":[{"text":"crossed.","start":2651.149,"end":2651.649,"sentiment":"neutral","sentiment_score":0.12005674839019775},{"text":"Alright.","start":2651.789,"end":2652.189,"sentiment":"neutral","sentiment_score":0.1639244258403778}],"sentiment":"neutral","sentiment_score":0.14199058711528778,"channel":1,"num_words":2,"start":2651.149,"end":2652.189},{"sentences":[{"text":"See you later,","start":2651.845,"end":2652.4849,"sentiment":"neutral","sentiment_score":0.21069326996803284}],"sentiment":"neutral","sentiment_score":0.21069326996803284,"channel":0,"num_words":3,"start":2651.845,"end":2652.4849},{"sentences":[{"text":"Thanks,","start":2652.189,"end":2652.589,"sentiment":"positive","sentiment_score":0.5596669316291809}],"sentiment":"positive","sentiment_score":0.5596669316291809,"channel":1,"num_words":1,"start":2652.189,"end":2652.589},{"sentences":[{"text":"Paula.","start":2652.4849,"end":2652.9849,"sentiment":"positive","sentiment_score":0.4699000120162964}],"sentiment":"positive","sentiment_score":0.4699000120162964,"channel":0,"num_words":1,"start":2652.4849,"end":2652.9849},{"sentences":[{"text":"Zoe.","start":2652.589,"end":2652.989,"sentiment":"positive","sentiment_score":0.34894782304763794},{"text":"Have a good","start":2652.989,"end":2653.549,"sentiment":"positive","sentiment_score":0.4222811162471771}],"sentiment":"positive","sentiment_score":0.40394779294729233,"channel":1,"num_words":4,"start":2652.589,"end":2653.549},{"sentences":[{"text":"Bye.","start":2653.445,"end":2653.945,"sentiment":"neutral","sentiment_score":0.27849942445755005}],"sentiment":"neutral","sentiment_score":0.27849942445755005,"channel":0,"num_words":1,"start":2653.445,"end":2653.945},{"sentences":[{"text":"day.","start":2653.549,"end":2653.869,"sentiment":"neutral","sentiment_score":0.1358513385057449},{"text":"Bye.","start":2653.869,"end":2654.369,"sentiment":"neutral","sentiment_score":-0.1172817051410675}],"sentiment":"neutral","sentiment_score":0.0092848166823387,"channel":1,"num_words":2,"start":2653.549,"end":2654.369}]},"summary":{"result":"success","short":"During a call with a senior adviser from Oakview annual review, Paul discusses his personal and estate planning with the adviser. They also discuss his life insurance policy and other insurance-related questions. The speaker provides their email address and emphasizes the importance of reducing risk levels to avoid unnecessary risk. They discuss retirement planning, estate planning, and the importance of finding a partner for life insurance. The conversation ends with a complimentary review and restructure."},"intents":{"segments":[{"text":"Paula, is there anything in particular that you're hoping to get out of this year's review? Look.","start_word":312,"end_word":328,"intents":[{"intent":"Evaluate thoma's quality","confidence_score":2.141339e-10}]},{"text":"I I wanna still look again at that insurance and just make sure that's we we did some work on it last time. I think we reduced the inch cover the the I'm not sure if we actually went ahead and did it or we talked about maybe doing it. So I just wanted to touch base with that. Yep.","start_word":330,"end_word":389,"intents":[{"intent":"Check insurance status","confidence_score":0.069273464}]},{"text":"And, also, I just wanted to check on this I think I've got another retirement fund coming up and or as in, like, open. And I thought we changed everything over to just the one. So Yep. I just wanted to check on that as well, please. Fantastic.","start_word":389,"end_word":436,"intents":[{"intent":"Check and refresh information","confidence_score":2.6173944e-7}]},{"text":"I've actually have changed my job since I spoke to you last, Okay. so that Do you will mind have if to I grab be updated. some details for that?","start_word":566,"end_word":595,"intents":[{"intent":"Update information","confidence_score":0.2136198}]},{"text":"What I'm looking for is just kind of like occupation title, your Yep. employer income, and I can note that down. Okay.","start_word":608,"end_word":629,"intents":[{"intent":"Obtain and note update job information","confidence_score":0.000009030521}]},{"text":"So the employee is APNA, so a p n a. APNA. And I am the clinical administration lead for them. Administration leave. And I'm just think my wage has gone up as well. So Cool. yeah.","start_word":630,"end_word":665,"intents":[{"intent":"Provide employment and salary","confidence_score":0.0000014998825}]},{"text":"Just got a message from Telstra. They're updating MBN as of today at 10:45.","start_word":827,"end_word":840,"intents":[{"intent":"Update mbn","confidence_score":0.51325536}]},{"text":"While you're doing that, do you mind if I just ask you a couple of questions on the assets as well?","start_word":849,"end_word":869,"intents":[{"intent":"Ask questions about assets","confidence_score":0.14024124}]},{"text":"And what would the the resale value of that be approximately?","start_word":959,"end_word":969,"intents":[{"intent":"Ask about resale value","confidence_score":0.0825864},{"intent":"Inquire about resale value","confidence_score":0.17210093},{"intent":"Inquire about resale value","confidence_score":0.11901928},{"intent":"Provide resale value","confidence_score":0.011727239}]},{"text":"Well, actually, Craig's parents both passed away within that year, so there was Yep. a a small inheritance there. And that's what we use to face it.","start_word":999,"end_word":1025,"intents":[{"intent":"Discuss inheritance","confidence_score":0.058208898}]},{"text":"One thing I wanna do is quickly check-in terms of the new income. Is do you have a a different surplus cash flow that you're setting aside, like, on a regular basis now?","start_word":1298,"end_word":1330,"intents":[{"intent":"Checking cash flow","confidence_score":0.00024081032}]},{"text":"now, we're not having to worry about those sorts of things. There's enough in there to cover all of that. And then whenever his payments come in, he'll just not put extra through. But he yeah. He's got a savings. He saves a little bit as well. He's also got some cash as well that he's saving. So Yeah.","start_word":1398,"end_word":1456,"intents":[{"intent":"Keep account","confidence_score":0.000020649091}]},{"text":"Do you have any kind of email or letter that you could possibly forward through to me? Yep. I do. So just let me know when you're ready, and I'll tell you my email address, and then I'll get that saved on file. I have a bit of a feeling I know what this one is. I'll confirm it with you.","start_word":1680,"end_word":1740,"intents":[{"intent":"Confirm email","confidence_score":0.11608874}]},{"text":"I don't know Yep. why it jumped up to the top of my I'll just send you a copy of that anyway if you like Please, further.","start_word":2104,"end_word":2130,"intents":[{"intent":"Send copy of policy","confidence_score":0.0055021965}]},{"text":"And that will be 99% chance that is your insurance policy because that's the anniversary Okay. date.","start_word":2133,"end_word":2149,"intents":[{"intent":"Provide information about policy","confidence_score":0.004409403}]},{"text":"So while I'm waiting for that to come through and we're on the topic of the policy, so you were talking about a bit of a reduction on the life insurance. So Yeah.","start_word":2228,"end_word":2260,"intents":[{"intent":"Save life insurance","confidence_score":0.044946913}]},{"text":"I'm pretty sure we reduced that. I'm pretty sure it Yep. was over 1,000,000 at one point, so we did obviously reduce it last year. Yeah. And the new premium that's coming out, that's jumped up to 2,747, and you get a 15% rebate off of that, which drops it to the low 2 thousands. Yeah.","start_word":2469,"end_word":2524,"intents":[{"intent":"Reducing premium","confidence_score":0.018937305}]},{"text":"And the new premium that's coming out, that's jumped up to 2,747, and you get a 15% rebate off of that, which drops it to the low 2 thousands. Yeah.","start_word":2495,"end_word":2524,"intents":[{"intent":"Discounting cost","confidence_score":0.000054717948}]},{"text":"So what I would do contribution wise is I would obviously meet with them and figure out salary packaging benefits first. And Mhmm.","start_word":3066,"end_word":3088,"intents":[{"intent":"Explain benefits of a plan","confidence_score":0.00014413764}]},{"text":"way we can have it in place for that financial year when you turn 60.","start_word":3239,"end_word":3253,"intents":[{"intent":"Plan financial year","confidence_score":0.0024439043}]},{"text":"If we bump that down to a balance fund, you kind of go from Yeah. about $2.20 to $2.75. So for every risk level we go down, you're probably giving Yeah. up potentially 25 to 50,000. Yeah.","start_word":3836,"end_word":3872,"intents":[{"intent":"Negotiate plan","confidence_score":0.0016291199},{"intent":"Plan","confidence_score":0.010674263}]},{"text":"I'll be pretty well joining on the spot every twelve months with you to make sure Mhmm. that we we adjust that as necessary just to get the the growth that we need and then at the right times reduce the risk. Yep.","start_word":4212,"end_word":4254,"intents":[{"intent":"Adjust investments","confidence_score":0.011219769}]},{"text":"So really good move, but it's normally, we would go through this full review, discuss it. You would read it first, sign off. Yes. Yep.","start_word":4583,"end_word":4607,"intents":[{"intent":"Review and review","confidence_score":0.011867872}]},{"text":"So at the moment, I'll do a bit of a trim down on the insurances, let the portfolio go for twelve months, and then discuss a risk level change and a bit of a transition contribution strategy once you've talked about the salary packaging. Yep.","start_word":4608,"end_word":4652,"intents":[{"intent":"Manage insurance portfolio","confidence_score":0.0007125813},{"intent":"Clean up life insurance","confidence_score":0.044481125}]},{"text":"The only other thing that I wanted to check well, And before I move on, do you have any questions so far? then do I need to let you know once I organize something with the salary packaging or salary?","start_word":4656,"end_word":4695,"intents":[{"intent":"Manage salary packaging and salary","confidence_score":0.00074493774}]},{"text":"When it comes to the estate planning kind of thing, do you know if you are putting in place a power of attorney as well as the will? Yes.","start_word":4727,"end_word":4755,"intents":[{"intent":"Arrange estate planning","confidence_score":0.0061420384}]},{"text":"And the last thing I want to check was just in terms of beneficiaries, but I'm assuming that you're still just wanting to make sure Craig is listed on the life insurance and the super. That's correct.","start_word":4776,"end_word":4812,"intents":[{"intent":"Ensure craig is listed on insurance and super","confidence_score":0.0024344516}]},{"text":"And the last thing I want to check was just in terms of beneficiaries, but I'm assuming that you're still just wanting to make sure Craig is listed on the life insurance and the super. That's correct. Cool.","start_word":4776,"end_word":4813,"intents":[{"intent":"Check beneficiary details","confidence_score":0.09252692}]},{"text":"He called me up about, I don't know, eight months ago or so, and he's like, oh, just letting you know that, you know, which I knew I was his power of attorney and that.","start_word":4936,"end_word":4970,"intents":[{"intent":"Resolve paperwork issue","confidence_score":0.0033414531}]},{"text":"Outside of that, you were doing some renovating. I think that was initially did you end up finalizing all the renovating?","start_word":5630,"end_word":5650,"intents":[{"intent":"Finish renovating","confidence_score":0.023963945}]},{"text":"So we've done the front house front part, and we've got the next door is up. We just now gathered the back of the house, and we're halfway through finishing that. So that should possibly be completed, I'd say, early next year.","start_word":5662,"end_word":5703,"intents":[{"intent":"Complete house front and back","confidence_score":0.118222356}]},{"text":"We just now gathered the back of the house, and we're halfway through finishing that. So that should possibly be completed, I'd say, early next year.","start_word":5678,"end_word":5703,"intents":[{"intent":"Complete back door","confidence_score":0.0007279665}]},{"text":"So that should possibly be completed, I'd say, early next year.","start_word":5693,"end_word":5703,"intents":[{"intent":"Complete downsizing","confidence_score":0.014452786}]},{"text":"that'll be a nice little way to cap things off because we'll do a few little things here to kind of boost up the super, and you'll be focusing on the mortgage. And then once you go if you do do a downsize, the debt goes, the super is prepared in a pension.","start_word":5798,"end_word":5850,"intents":[{"intent":"Prepare super and debt","confidence_score":0.024834055}]},{"text":"Because the other the other thing I was going to ask too is I feel like, and I mentioned it last year to him that he's just really bad with stuff like this, but I really would like them to take a look at Craig's situation. His Yep.","start_word":5884,"end_word":5931,"intents":[{"intent":"Assess craig's situation","confidence_score":0.082475774}]},{"text":"So But what he's I happy might to do travel if in you want, between. So we can do a bit of a complimentary review just to see if there is yep. anything that we can kind of alter in preparation for retirement. It's usually Yep.","start_word":6041,"end_word":6086,"intents":[{"intent":"Consider options","confidence_score":0.00044779046}]},{"text":"So we can do a bit of a complimentary review just to see if there is yep. anything that we can kind of alter in preparation for retirement. It's usually Yep.","start_word":6056,"end_word":6086,"intents":[{"intent":"Schedule review","confidence_score":0.11641676}]},{"text":"So we can do a bit of a complimentary review just to see if there is yep. anything that we can kind of alter in preparation for retirement. It's usually Yep. Yep. a bit of a two step where we review and restructure possibly, and then it's all just strategies in terms of contributions and risk level as Yeah.","start_word":6056,"end_word":6114,"intents":[{"intent":"Review and restructure strategies","confidence_score":0.00046512988}]},{"text":"a bit of a two step where we review and restructure possibly, and then it's all just strategies in terms of contributions and risk level as Yeah.","start_word":6088,"end_word":6114,"intents":[{"intent":"Discuss contributions and risk level","confidence_score":0.05216335}]},{"text":"to him, we need to look at that and just do something that's a little bit, I think, a little bit better than that.","start_word":6141,"end_word":6164,"intents":[{"intent":"Provide comparison","confidence_score":0.000009225751},{"intent":"Explore alternatives","confidence_score":0.00027379201}]},{"text":"We can always book in an ad hoc consultation at any point, Yep. especially if there's been any significant change or or anything that you need to change. Mhmm.","start_word":6353,"end_word":6381,"intents":[{"intent":"Book consultation","confidence_score":0.36978853}]},{"text":"If you do recommend Cray to receive advice as well, we do offer partnership discounts to 1.1%, which would Yep. drop a bit of that off too. Okay. Cool.","start_word":6457,"end_word":6485,"intents":[{"intent":"Offer advice","confidence_score":0.082472585}]},{"text":"So the quick reminder I'll give you for navigating it is the attachments at the bottom of the email are just normal email PDF attachments. Okay.","start_word":6505,"end_word":6530,"intents":[{"intent":"Provide email","confidence_score":0.0015225462}]},{"text":"The actual sign link will ask you to consent first through electronic signature, then Yes. it'll open up the documents for you to scroll through and read. Yes.","start_word":6531,"end_word":6558,"intents":[{"intent":"Obtain consent","confidence_score":0.009770108},{"intent":"Open documents","confidence_score":0.15736464}]},{"text":"I did send it through to your BigPond. Did you end up getting that at the start of the call?","start_word":6638,"end_word":6657,"intents":[{"intent":"Confirm receipt","confidence_score":0.00072119205}]},{"text":"Now, Paula, Yep. while you're going through that, I just wanted to ask you in terms of our next catch up for the insurance reduction. Do you have a lot of availability towards the end of June or the first week of July? Would it be pretty easy to schedule in a time with you, or is Yep. there a period that's no Yeah. good?","start_word":6779,"end_word":6843,"intents":[{"intent":"Schedule insurance reduction","confidence_score":0.35154602}]}]},"sentiments":{"segments":[{"text":"If you called your name and reason for calling, I'll see if this person is available. Tommy from Oakview annual review.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.015325076878070831},{"text":"Thanks, Tommy.","start_word":21,"end_word":22,"sentiment":"positive","sentiment_score":0.3369936943054199},{"text":"Please stay on the line. Hello. Paula speaking. Good morning, Paul. It's Thomas here, senior adviser from. How are you going today? I'm well, Tommy. How are you today?","start_word":23,"end_word":51,"sentiment":"neutral","sentiment_score":0.20877309143543243},{"text":"I'm doing fantastic. It's a bright, beautiful day on the Gold Coast.","start_word":52,"end_word":63,"sentiment":"positive","sentiment_score":0.6261212229728699},{"text":"What about your end? Yeah. No. It's actually quite sunny today in Melbourne as well. Looking alright today. A bit chilly Glad this to hear. morning. We're We've just actually on had the a cusp good weather. of winter. We haven't had rain for a while.","start_word":64,"end_word":109,"sentiment":"neutral","sentiment_score":0.1340247243642807},{"text":"So Oh, that's a good one.","start_word":110,"end_word":115,"sentiment":"positive","sentiment_score":0.3958560824394226},{"text":"I I'm just giving you a call to go through know. your annual review. Yep. Is now still a good time? Yeah. That's fine.","start_word":116,"end_word":139,"sentiment":"neutral","sentiment_score":0.11157039552927016},{"text":"Fantastic.","start_word":140,"end_word":140,"sentiment":"positive","sentiment_score":0.5050045251846313},{"text":"So I've got a bit of a pack I'm gonna send out to you. Before Yep. I do that, are you okay for me just to go through a quick security check with you? Amazing. So these calls are recorded for training and quality purposes. I'm registered with ASIC as adviser 1273105. Could you please confirm your date of birth and Sure. address? Date of birth is the tenth of the tenth nineteen sixty eight, and address is Number 7 Burke Street, Montmorency, Victoria 3094. Sensational. Now with this pack that I'm sending out, Paula, I've got your BigPond address there. Will you be able to look on to those emails with me today? Yep. That's fine. Cool. So I'll send that out. No rush in grabbing that up. There's a few housekeeping items to go through first, but I'll get that shot through now. And there'll be a number of attachments on the email as well as a bit of a link to peruse the documents as well. Okay. Yep. Paula, is there anything in particular that you're hoping to get out of this year's review? Look. I I wanna still look again at that insurance and just make sure that's we we did some work on it last time. I think we reduced the inch cover the the I'm not sure if we actually went ahead and did it or we talked about maybe doing it. So I just wanted to touch base with that. Yep. And, also, I just wanted to check on this I think I've got another retirement fund coming up and or as in, like, open. And I thought we changed everything over to just the one. So Yep. I just wanted to check on that as well, please.","start_word":141,"end_word":435,"sentiment":"neutral","sentiment_score":0.05199314969260309},{"text":"Fantastic. Okay.","start_word":436,"end_word":437,"sentiment":"positive","sentiment_score":0.5007790327072144},{"text":"So I'll go through those two with you. Now just before I jump into that, I'm pulling open your insurance certificate, which I've also emailed through as well so we can kind of look on that together. But I'm just gonna double check a few details that we had on file. So no change to your email address or phone number. Residential Nope. and postal address is still the same. I'm just gonna run through a couple of quick details. Just let me know if any of these have changed. So we have your husband listed as Craig Yep. Correct. with no dependents. We Nope. have you kind of step back into the less managerial admin role on about Yep. 45,000 with aged care GP. Is that correct? I've actually have changed my job since I spoke to you last, Okay. so that Do you will mind have if to I grab be updated. some details for that? Yep. Sure. Can you just let me bring that up? That's okay. What I'm looking for is just kind of like occupation title, your Yep. employer income, and I can note that down. Okay. So the employee is APNA, so a p n a. APNA. And I am the clinical administration lead for them. Administration leave. And I'm just think my wage has gone up as well. So Cool. yeah. I know. Right? Let me just I'm assuming it's full time hours. Hopefully, not too much overtime. pretty much four days. So but Okay.","start_word":438,"end_word":689,"sentiment":"neutral","sentiment_score":0.04471785947680473},{"text":"it's work from home, so that's nice as well. So Amazing.","start_word":690,"end_word":700,"sentiment":"positive","sentiment_score":0.46056950092315674},{"text":"Four days oh, of working no. from home. Love Yeah. that. I go into the city once a week on a Thursday. Just into the city, but even that's a little bit you know, if you feel like it. Oh, where can I find my payslip? That's okay. Those things can be tricky, hidden in all kinds of different HR Oh, yeah. That's systems and yes. email, It is. You're different right. title. Employment Hero. I had to go to my head around which one it was in. The old employment here. I know Yeah. the one. I was in Employment Hero. Hang on. Alright. And I'm just updating a few things on our system while you do that, so no Okay. rush at all.","start_word":701,"end_word":825,"sentiment":"neutral","sentiment_score":-0.004411593079566956},{"text":"Awesome.","start_word":826,"end_word":826,"sentiment":"positive","sentiment_score":0.42645782232284546},{"text":"Just got a message from Telstra. They're updating MBN as of today at 10:45. Yeah.","start_word":827,"end_word":841,"sentiment":"neutral","sentiment_score":0.13306225836277008},{"text":"Cheers for the morning. Congratulations.","start_word":842,"end_word":846,"sentiment":"positive","sentiment_score":0.5207169055938721},{"text":"That's okay. While you're doing that, do you mind if I just ask you a couple of questions on the assets as well? We had the main property listed at a value of 1,200,000 owing about 300,000. Has that changed a lot? No. That's the same. K. We still had, I think, three cars and a boat in terms of vehicles. One, two, three. Yep. Three cars, a boat, and now a caravan.","start_word":847,"end_word":919,"sentiment":"neutral","sentiment_score":0.012090632691979408},{"text":"Oh, nice. Caravan. That's beautiful.","start_word":920,"end_word":924,"sentiment":"positive","sentiment_score":0.5395649671554565},{"text":"Do Yep. you mind if I just grab like, do you have anything owing on the caravan? Did you purchase that No. via No. a No. loan? No. No. Nothing going on that. Cool. And what would the the resale value of that be approximately? Just a rough Probably figure. about 60,000. Amazing. Did that leave you with any kind of emergency fund cash savings left over still, or is that kind of depleted? Well, actually, Craig's parents both passed away within that year, so there was Yep. a a small inheritance there. And that's what we use to face it. So K. got a look at now with that as well, which has just come through in the last couple of weeks. So, K. Do you mind if I note down a bit of an estimate in terms of just liquid cash for emergency yeah, rainy so day funds? about 25,000. Yep. 25.","start_word":925,"end_word":1078,"sentiment":"neutral","sentiment_score":-0.04453361165020373},{"text":"Thank you.","start_word":1079,"end_word":1080,"sentiment":"positive","sentiment_score":0.5430901050567627},{"text":"And I'm assuming you guys have never gone through any kind of bankruptcy or debt agreements before? No. Thank you. And just besides the income, the last question I had was in terms of estate planning. You were kind of working on getting a bit of a will put in place. Just wondering if you manage It's to not a 100% yet, get but it's actually in the that process now. sorted. So I'm just waiting In the process to go back now. and sign all of that.","start_word":1081,"end_word":1168,"sentiment":"neutral","sentiment_score":0.05314384028315544},{"text":"It will Amazing. be done.","start_word":1169,"end_word":1173,"sentiment":"positive","sentiment_score":0.5338009595870972},{"text":"Yeah. Just while you're doing that, I'm having a quick look at your life insurance policy as well. How's the old two factor authentication going there, Paula? It was for me, man. I'll tell you. I'll just see. It's just not my friend's name. No. That's fair enough. I'm gonna say it's 60,000. It's 60 around about thousand. that. It's a decent estimate there. I'll work off that for the time being. And Yeah. what I No. might I'm do pretty too, sure that's close to what it is anyway. So it's just I'll also just I'll double check your contributions and do a bit of a workback calculation just to see how close Yep. the market is, so that's no worries at all. One thing I wanna do is quickly check-in terms of the new income. Is do you have a a different surplus cash flow that you're setting aside, like, on a regular basis now? We've just sort of rejigged it a little bit. So we've set it up so that MyWage pays the house loan, you know, some your private health and, you know, subscriptions and Yeah. stuff. So that way, we're not you know, we're always waiting because Craig's self employed. So sometimes waiting on money to come in was always a bit of an issue. So that way Yeah. now, we're not having to worry about those sorts of things.","start_word":1174,"end_word":1408,"sentiment":"neutral","sentiment_score":0.06902726343337526},{"text":"There's enough in there to cover all of that.","start_word":1409,"end_word":1417,"sentiment":"positive","sentiment_score":0.43601250648498535},{"text":"And then whenever his payments come in, he'll just not put extra through.","start_word":1418,"end_word":1430,"sentiment":"neutral","sentiment_score":0.19815069437026975},{"text":"But he yeah. He's got a savings. He saves a little bit as well. He's also got some cash as well that he's saving.","start_word":1431,"end_word":1454,"sentiment":"positive","sentiment_score":0.5742325782775879},{"text":"So Yeah. So the consistent regular amounts are a bit difficult because, obviously, his income fluctuates yeah. quite a bit. So at the moment, he's just pretty regular because he's he's got a a contract that's got about twelve months to run. So, Yep. yeah, it's getting about three three, I guess. He gets in about every ten days or so.","start_word":1455,"end_word":1515,"sentiment":"neutral","sentiment_score":-0.01307146716862917},{"text":"Perfect.","start_word":1516,"end_word":1516,"sentiment":"positive","sentiment_score":0.6584513783454895},{"text":"While I've got this information up in front of me, so you asked about both the insurances and also a possible second super fund. Yep. I'm having a little bit of a look here, which may give me a bit of an idea. Can I just start with the the second super fund kind of side? Yep. Do you know if did you get any kind of email notifications Yeah. from I have. I do. From net Netwealth is the company that has sent it to me. And I've got a feeling okay. this is an old National Mutual account, which I had, like, a million years ago. K. What do you need with that? It's called So the well, what it's I'm called wondering the fund name is the National Mutual Retirement Fund. National Mutual Retirement Fund. Now did Netwealth send you information about Mhmm. this account, or They did did. National Mutual? Yeah. No. Netwealth has sent it to me. Okay. Do you have any kind of email or letter that you could possibly forward through to me? Yep. I do. So just let me know when you're ready, and I'll tell you my email address, and then I'll get that saved on file. I have a bit of a feeling I know what this one is. I'll confirm it with you. I'm just wondering if they changed their name or something somewhere along the way. And I thought we'd actually already, like, rolled all of these over into just one. I think we have. And when I look up National Mutual Retirement Fund, it actually lists your insurance company resolution life. And I know that any superannuation policy usually has, like, a almost kind of like a a fake super fund behind it to actually Yes. receive the premiums for the life insurance. So it may actually be that one that's being listed because that's coming out of the Netwealth via, like, an enduring rollover once per year, including in the July 16 is the next Yeah. premium due date. So Yes. it could be that one. Okay. And why? I know I saw it. It popped up enough. Okay. That's come up, and I need it. And I actually took a photo of it, would you believe, so that I'd Fantastic. remember That when works I was speaking too. to you guys and thinking then I could just go in and find it on the email. And there's also heaps of different ways we can look at it too because there's the my gov will show you any active funds. And usually, if this is what I'm thinking, it'll come up in, like, a zero balance account on myGov. You've got the emails there. You can also even just forward that photo later Yeah. on Might actually just forward you the first time. It's funny. I've just googled I've just searched the actual email, but it's not coming up with anything for this year and yet. I'm after positive. the call. That's okay. Yeah. Date paid sixteenth to the seventh twenty twenty five. Yeah. Okay. Maybe And that it would was be an old one. This was last year. Oh, weird that that just popped up again. That's Okay. okay because Sorry. I'm you'll looking be at this coming and up it to your anniversary, and, normally, you'll get a notice from that as well. yeah. Okay. So this came out no. The one I'm looking at actually is dated the 07/16/2025. I don't know Yep. why it jumped up to the top of my I'll just send you a copy of that anyway if you like Please, further.","start_word":1517,"end_word":2129,"sentiment":"neutral","sentiment_score":0.03126902472331123},{"text":"that'd be great.","start_word":2130,"end_word":2132,"sentiment":"positive","sentiment_score":0.6285151243209839},{"text":"And that will be 99% chance that is your insurance policy because that's the anniversary Okay. date. That makes sense. Would you like my email address? Yep. Yep. Go for it. K. So it's Tommy, t o, m m, y. Yep. And this one's a bit of a mouthful, but it's at Oakview Financial. Yep. And then dot com dot a u. Okay. That is the photo of that. And just let me know once you've hit the old send on that one, and I'll Yep. give it a couple of minutes. That's gone. Cool. So while I'm waiting for that to come through and we're on the topic of the policy, so you were talking about a bit of a reduction on the life insurance. So Yeah. I just it's the only one we've really got, so we've kinda held on to it because it was such a like, at the time, I was actually working for a finance broker or an insurance broker. Sorry. And I think he sort of was the one that pushed that to put it in my name at the time. Alright. But that was, Yep. like, back when I had, like, young kids and stuff as well. So I think it was a way of, like, securing something if something has happened to Craig or if something has happened to me rather than Craig so that he would then be able to, you know, access Yep. money to Pay help off the mortgage with and stuff. So look after the kids, take time I off, mean, all I that kinda kind just of forgot thing. about it because everything to do with that guy just gives me the heebie jeebies, and I Oh, no. don't want to think about him really. But yeah. And so now it's just like it kept keeps coming up, you know, every every year, and I'm like, it's a fairly big sum insured. Yeah. It's 830,000 And and '20 we did 5 re dollars. I'm pretty sure we reduced that. I'm pretty sure it Yep. was over 1,000,000 at one point, so we did obviously reduce it last year. Yeah.","start_word":2133,"end_word":2494,"sentiment":"neutral","sentiment_score":0.003667310425672083},{"text":"And the new premium that's coming out, that's jumped up to 2,747, and you get a 15% rebate off of that, which drops it to the low 2 thousands.","start_word":2495,"end_word":2523,"sentiment":"positive","sentiment_score":0.34581229090690613},{"text":"Yeah. But then the year afterwards, that's gonna be straight over $3 and approaching 4,000 Okay. pretty quickly. As soon as you hit the sixties, that Yeah. will go $5.07, 9, Yeah. 12. Like, that's going to skyrocket over the next seven years. Okay. So what's So your advice on that? well, Yep. number one, it's gonna have to be a constant trim down game because, like, what is it actually protecting you for? You've got a mortgage of 300,000. Yeah. Exactly. That leaves Yeah. you half 1,000,000 plus your super, so 600 Yeah. thousand left over. Is that even too high now, or is that Yeah. something where it's okay for the next twelve months, but then next year, we should drop a couple 100,000 off? I reckon we drop it now a little bit. K. Maybe What drop would it be back a to, good say, net 7 figure? 100. 700. Yeah. So what that will pretty much do is pay off the mortgage and leave you half a mill left over, and Yeah. that just chops off a 130,000. So let me just do a quick little calculation on that with the $8.30, 15% off. Yeah. So that will drop it down to just under 2,000 in the premiums. It'd be more like $18.50 approximately. What I'll do Yep. is I will get a alteration decrease quote for 700 flat so you know exactly what it's gonna be. And I'll put together just a little bit of an updated plan for you so You said you can an see sorry. the Just that's an annual fee. Yeah? yeah. Yep.","start_word":2524,"end_word":2795,"sentiment":"neutral","sentiment_score":0.020749317776576123},{"text":"That's Wonderful enduring wonderful rollover that comes out once per year.","start_word":2796,"end_word":2806,"sentiment":"positive","sentiment_score":0.7141212224960327},{"text":"thing. Okay. So you can't, like, pay that, like, monthly or anything? It's gonna Yeah. be There paid are, in. like, platform policies that do monthly, but then they jump it up an extra 10 to 12 Yeah. percent. Yep. So Okay. That's alright. doesn't work out as And that's alright. I could cope with that. Okay.","start_word":2807,"end_word":2863,"sentiment":"neutral","sentiment_score":-0.001999304164201021},{"text":"Make fun.","start_word":2864,"end_word":2865,"sentiment":"positive","sentiment_score":0.38881608843803406},{"text":"sure I put the money across. Live. Now in terms of your super itself, so I'll go into the portfolio in a moment there. Yep. But I'm just wondering in terms of contributions. I'm gonna base your updated plan off of the 60,000 Yep. Yep. and the 12% off of that. Are you doing any salary sacrifice, or is that entering anything in the next two years or so? No. Although I this company that I'm working for actually has salary packaging.","start_word":2866,"end_word":2947,"sentiment":"neutral","sentiment_score":0.03974377363920212},{"text":"So Oh, that's amazing.","start_word":2948,"end_word":2951,"sentiment":"positive","sentiment_score":0.3625093102455139},{"text":"I was only on three days a week, so I didn't qualify, but I think I do now. So I'm actually meeting with them just to see if that's something that I can take up as well. So Yep. yeah. But not as not actually salary sacrificing anything. So really good situation for you then is I know that most salary packaging programs max out at about 15,000, and that happens to be the exact amount that you were over the 32% tax bracket. So Okay. everything over 45,000 is 32%. So anytime you do the salary packaging or salary sacrifice, you're getting that maximum hit for the first 15,000 that you're deducted. Yep. So what I would do contribution wise is I would obviously meet with them and figure out salary packaging benefits first. And Mhmm. then when you hit 60, you can do a transition to retirement contribution strategy. Have you heard of that before? Yeah. I think this was mentioned last time. So Yep. So getting close to that point where you can access a portion of your super after 60. And if you yep. don't need the funds to partially retire, we can pull it out and put it back in again as a tax deductible Tax contribution, credit. Yep. Yeah. Yep. Yep. and the tax Wait difference a minute.","start_word":2952,"end_word":3175,"sentiment":"neutral","sentiment_score":0.08498831479144948},{"text":"just boosts up your super a little bit.","start_word":3176,"end_word":3183,"sentiment":"positive","sentiment_score":0.4108033180236816},{"text":"So it's like a thousand Yep. out, thousand back in, 200 in there extra. Yep.","start_word":3184,"end_word":3198,"sentiment":"neutral","sentiment_score":0.21396620571613312},{"text":"Cool.","start_word":3199,"end_word":3199,"sentiment":"positive","sentiment_score":0.487917959690094},{"text":"So if Yep. it's okay with you, I'm gonna put in, in terms of priorities, that we do the salary packaging first. Yep. And then at the next review, we're gonna kind of preplan your 60 strategy. That Yep.","start_word":3200,"end_word":3238,"sentiment":"neutral","sentiment_score":0.27771180868148804},{"text":"way we can have it in place for that financial year when you turn 60.","start_word":3239,"end_word":3253,"sentiment":"positive","sentiment_score":0.34831076860427856},{"text":"It's a lot to talk about me turning 60, which is really depressing right now, but, yep, sounds good. I don't mean to, but Like, it's in exciting my head, for I'm me. like, it's still to you either way. Don't worry about it.","start_word":3254,"end_word":3297,"sentiment":"neutral","sentiment_score":0.06990808248519897},{"text":"And, look, for me, I just get excited because there's so many extra strategies we can do to boost things up That's for you true.","start_word":3298,"end_word":3322,"sentiment":"positive","sentiment_score":0.3617214560508728},{"text":"and, Look on the you bright know, side. look on the bright side.","start_word":3323,"end_word":3335,"sentiment":"neutral","sentiment_score":0.24675750732421875},{"text":"I'll be there to give you the silver linings. Awesome.","start_word":3336,"end_word":3345,"sentiment":"positive","sentiment_score":0.3878007233142853},{"text":"Outside of that, I wanted to just quickly touch base on your portfolio in the super. Yep. So if you haven't been watching your account lately, the stock market's gone quite wild since Okay. Christmas, up and down like a bit of a roller coaster ride. Yep. Now two things I wanted to touch on. First of all, you're in a growth risk profile, which is that kind of 80% growth assets, shares, property, and gold. So it's a four out of five on the risk scale. Usually Yep. recommended if you have at least eight years to retirement Yep. for being able to get that growth. Now I know that we're trying to focus really heavily on growing the capital at the moment, Yep. but at some point, we have to talk about reducing your risk level down a little bit. Yeah. Okay. So what I wanted to kind of ask you is if you're still okay with I'll give you a bit of an example. So you're at $97,002.40 as of today. Yep. And what could easily happen in a growth portfolio is that in six months' time, it could be sitting at 84,000. And then Yep. twelve months after that, you're sitting at a 115,000. Yeah. That's kind of the volatility that you Yeah. would expect. And then as you get closer and closer to retirement, maybe every one or two years, we would generally be slowly reducing your risk level down. So Yep. instead of Okay. 80%, we would go seventy, sixty, fifty, forty, and there's Yep. your pension account for, like, '60 Yep. $5.67.","start_word":3346,"end_word":3614,"sentiment":"neutral","sentiment_score":0.07339361110584443},{"text":"That's good.","start_word":3615,"end_word":3616,"sentiment":"positive","sentiment_score":0.6203707456588745},{"text":"Yep. Are you okay with that general plan even though it's gonna be a bit Yeah. up and down this year? If we were to drop it now to serve to something, is that like, I guess, the things that fairly volatile will stop. So is dropping it now gonna really be that less of a risk? Or I kinda feel like everything's kind of up and down anyway. Is there really any value in dropping it? Am I gonna be at a significantly less risk to drop it is, I guess, what I'm getting at. Yeah. If we dropped it one category, it changes Yeah. your fluctuations from, say, 15% up and down to maybe nine to 12% up and down. Okay. But Yes, what sir. we miss out on is any kind of average that extra growth. So I'll give you a bit of an Yes. example in, like, a a worst case scenario. So let's say we go growth fund for the next nine years, and I'm just gonna put in your work contributions for the moment and chop off the super tax off of that. Six one two o. Okay. So let's say that you ended up with annually. Okay. So let's say you ended up somewhere between 250 to 300,000 Yep. by retirement. If we bump that down to a balance fund, you kind of go from Yeah. about $2.20 to $2.75. So for every risk level we go down, you're probably giving Yeah. up potentially 25 to 50,000. Yeah. Now what would generally happen? So if we did continue the course with this current plan, if the market dropped this year, we would be using it as a bit of a buying opportunity to buy some shares and property at a cheaper price so Yeah.","start_word":3617,"end_word":3917,"sentiment":"neutral","sentiment_score":-0.0004936814357672023},{"text":"that when the market goes back up, you can get a Yeah. nice double digit Yep. return.","start_word":3918,"end_word":3934,"sentiment":"positive","sentiment_score":0.46511030197143555},{"text":"And then we reduce the risk level down twelve months from now. And then a year or two later, Yep. we do the same thing, and we go from there. Okay. Well, I mean, gold's still fairly strong and there's still Yep. yeah. I I reckon we just leave it, and we'll look at it again in twelve months. Yep. And that's the, I guess, the conventional wisdom, which does work out really well over an average period of time, seven to nine years. We just need to be very conscious that the timing of market crashes tends Yeah. to happen every seven years or so. So Okay. this may sound like a bit of a double edged sword, Yeah. but it would be better for you for the market Yep. to crash this year and then get And six solid years of growth yeah. than for Yeah. it to happen a year before retirement. Yeah. Yeah. Fair. That makes sense. K? Okay. If we manage to get another double digit return over the next twelve months and the market hasn't crashed, I will probably be calling you up straight away saying let's reduce it Let's down now do and it now. take some of Yeah. the winners. Yeah. Yep. That sounds reasonable. K? The only other flip side is if the market crash happens towards the end of the year and I call you up and we're still down a little bit, it'll be another twelve month wait to get the growth Yeah. and then pair it down. Yeah. Okay. That's okay. Yeah. No. So I think we'll stick yep. Stick with that plan.","start_word":3935,"end_word":4209,"sentiment":"neutral","sentiment_score":0.01230925228446722},{"text":"Cool.","start_word":4210,"end_word":4210,"sentiment":"positive","sentiment_score":0.36914756894111633},{"text":"I'll be pretty well joining on the spot every twelve months with you to make sure Mhmm. that we we adjust that as necessary just to get the the growth that we need and then at the right times reduce the risk. Yep.","start_word":4211,"end_word":4253,"sentiment":"neutral","sentiment_score":0.24943053722381592},{"text":"Sounds good.","start_word":4254,"end_word":4255,"sentiment":"positive","sentiment_score":0.4761928915977478},{"text":"K? The other thing is you had about eight different investment options, which you'll see in the report that we sent you. Mhmm. Seven out of eight of them had fantastic returns of anywhere between 540% depending Yep. on the gold and the shares and things like that. You did have one option, which was the Australian shares in Bennelong, which was diving quite quickly, and it dropped about 17%. So it was the only kind of really negative option Mhmm. Yes. in the whole portfolio. Okay. The two things I wanted to mention is that you're still positive for the year just Yep. even though market's been crazy, but we already made a change to your portfolio a few months ago. Yep. I don't know if you remember getting a Yeah. record I did. of advice Yep. email. I did see that. Yep. So, normally, what would happen is if I do a review with you and there's one option that's not doing its thing, we would discuss whether we just kind of give it time to bounce back or do a bit of a tune up and switch Yep. out the option. However, in this case, because of how fast it It was causing happened. Yeah. issues, Yep. the licensee made a decision in the investment committee across all clients to divest out of that and go to a safer passive option, lower fees, better returns across the whole client base. Yep. Yep. So what I can basically see is that all the options that you've got combined together actually look really good. It's just that there was one bad apple and we've already jumped on it. That's Yeah. not normally the process, but we just had to make a decision Yeah. and Yeah. nip Mhmm. it in the bud quickly.","start_word":4256,"end_word":4558,"sentiment":"neutral","sentiment_score":0.010137832723557947},{"text":"Good planning. Cool. So, yeah, it worked out very well because that's now Yeah. jumped up positive, and you're in this fantastic option.","start_word":4559,"end_word":4581,"sentiment":"positive","sentiment_score":0.5274471640586853},{"text":"So really good move, but it's normally, we would go through this full review, discuss it. You would read it first, sign off. Yes. Yep. K? So at the moment, I'll do a bit of a trim down on the insurances, let the portfolio go for twelve months, and then discuss a risk level change and a bit of a transition contribution strategy once you've talked about the salary packaging. Yep. Okay? Okay.","start_word":4582,"end_word":4654,"sentiment":"neutral","sentiment_score":0.15740126371383667},{"text":"Cool.","start_word":4655,"end_word":4655,"sentiment":"positive","sentiment_score":0.36092621088027954},{"text":"The only other thing that I wanted to check well, And before I move on, do you have any questions so far? then do I need to let you know once I organize something with the salary packaging or salary?","start_word":4656,"end_word":4695,"sentiment":"neutral","sentiment_score":0.07146784663200378},{"text":"If you do, that's always lovely, but Yep.","start_word":4696,"end_word":4703,"sentiment":"positive","sentiment_score":0.38720664381980896},{"text":"we will capture it at the next review. That'll Yep. be one Okay. of the questions Cool. that I ask. Alright. Sweet. Okay? When it comes to the estate planning kind of thing, do you know if you are putting in place a power of attorney as well as the will? Yes. We are.","start_word":4704,"end_word":4757,"sentiment":"neutral","sentiment_score":0.1279871016740799},{"text":"Perfect.","start_word":4758,"end_word":4758,"sentiment":"positive","sentiment_score":0.44364768266677856},{"text":"Alright. So I'm just gonna make a quick note that both of those are in progress. Yep. And the last thing I want to check was just in terms of beneficiaries, but I'm assuming that you're still just wanting to make sure Craig is listed on the life insurance and the super. That's correct. Cool. Alright. I'll double check those details straight after the call, and I'll send you a message if there's anything I missed, but I believe those have all been put in Yep. place. Yep. And, yeah, like, that's where the wheel has gone down that path. We've just got two kids, so that's it's pretty straightforward. It'll just be split between, and they'll be joint executives. So Okay.","start_word":4759,"end_word":4880,"sentiment":"neutral","sentiment_score":0.16960009932518005},{"text":"Perfect. it won't be too too complicated.","start_word":4881,"end_word":4887,"sentiment":"positive","sentiment_score":0.39049211144447327},{"text":"Nothing too messy. That's what we like to hear. No. There's a bit Yep. too much I of that mean going on in the world. yeah. That's true. Trying to clean things up as much as we can before. Had a good good example of my dad. He called me up about, I don't know, eight months ago or so, and he's like, oh, just letting you know that, you know, which I knew I was his power of attorney and that. But he's, like, got a folder, and he goes, I've got this folder. He goes, it's got all my passwords. It's got all my insurances. He's listed everything out. They've prepaid their bills. I'm like, okay. I need to do that because that was such That's a, like, wonderful. That relief doesn't happen for me often. thinking because I end up being executive for both Craig's parents, and it's just such a minefield, particularly when his dad had shares and stuff as well. So, yeah, it was pretty for one, and I was like, oh god. Then if we have to go through all that again, but this time, it'll be much easier because he's done the work. So So I you're figured hoping that's to what I pass should on do that with my peace kids. of mind down the line? Yeah. That's it. My kids deserve that. So Yeah.","start_word":4888,"end_word":5120,"sentiment":"neutral","sentiment_score":0.03216492411452685},{"text":"That's amazing. I'll try and try and get it all in order.","start_word":5121,"end_word":5132,"sentiment":"positive","sentiment_score":0.4599294662475586},{"text":"You wouldn't believe how many people I talked to where they're like, not bugger them. They Yep. can figure it out. And I'm like, oh, really? Just just spend one afternoon sorting it for them, please. Oh, no. It's the one who had to figure it out.","start_word":5133,"end_word":5179,"sentiment":"neutral","sentiment_score":-0.043096352368593216},{"text":"That's just not fun.","start_word":5180,"end_word":5183,"sentiment":"negative","sentiment_score":-0.35608723759651184},{"text":"Paula, Trying to go I through and they they lived in Perth. We had to be, like going over and just, like, crawling through paperwork did you have and to fly stuff that across he'd to held go through for all of their boxes? like, his shared portfolio was all handwritten, and he used to, like, sit at the table and update it every week. And, honestly, you know, I don't know. I was just, like, looking at it, and I was like, oh my god. But yeah. I can He picture that yeah. everyone's sitting there with a coffee just trolling through paperwork going, Yeah. what's And this one? that's This pretty one's much gonna what stay it was. on it. We were This finding looks important. stuff left, right, and center. I was like, oh god. Dear. Well, So, yeah, I'm glad let's you're not sorting do that. that out. Yeah. Let's not do that. I wanted to just Yep. quickly check with you as well just in terms of goals. We had quite a few different goals listed since you Yep. came on board. Did you end up going on holiday to England? We did. Yep. Yeah. We did the big Europe, UK trip. We Fantastic. were away for So that one's nine achieved. weeks.","start_word":5184,"end_word":5401,"sentiment":"neutral","sentiment_score":-0.032684822018907635},{"text":"That was amazing.","start_word":5402,"end_word":5404,"sentiment":"positive","sentiment_score":0.4407882690429687},{"text":"Nine Yep. weeks. Wow. Yeah. K.","start_word":5405,"end_word":5410,"sentiment":"neutral","sentiment_score":0.10969927906990053},{"text":"Well, it was it was brilliant. Loved it. It was really, really good.","start_word":5411,"end_word":5423,"sentiment":"positive","sentiment_score":0.5496073365211487},{"text":"We you were gonna look at maybe an investment property. Is that on the cards, off the Okay. cards? So we didn't go down investment property route. We have bought into a fractional ownership with our timeshare, which we've been in for twenty odd years. We've we've went fractional with them. So look. I don't know that there's any huge return financially at the end, but it gave us a lot better benefits for traveling, like, over the next ten years sort of thing. So, yeah, I'm K. not So sure that's how good that for the traveling, and we'll just kind of can the property side of things at the moment. I think so for the moment. Yeah. Yep. And then outside of that, we still wanna just wanna make sure I think we've got you listed at age 67 for retirement and a bit of a combination with Craig where, let's say, you've got, hopefully, the mortgage paid down as Yep. much as possible, and then Yep. you'll kind of contribute about 500 a week in today's dollars after tax, and then Yep. his will kind of take over the rest. Yep. Correct. Nation with partner and mortgage off. That'll be the main thing. Outside of that, you were doing some renovating. I think that was initially did you end up finalizing all the renovating? It's not finished, but it's well and truly on its way. So we've done the front house front part, and we've got the next door is up. We just now gathered the back of the house, and we're halfway through finishing that. So that should possibly be completed, I'd say, early next year. Fingers Yep. crossed. That's a bit of a twelve month thing. And are you still looking at at some point downsizing, or is that with I just think a bit so. of a Yeah. I mean, Craig's not as keen, but we've got, like, 30 upstairs to the upper level, and that's not gonna be practical, you know, if if we were to lose our mobility or whatever. So Yeah. but probably, you know, that's probably, in his eyes, ten years down the track. In mine, maybe about eight, nine. But Yeah. And yeah. that'll be a nice little way to cap things off because we'll do a few little things here to kind of boost up the super, and you'll be focusing on the mortgage. And then once you go if you do do a downsize, the debt goes, the super is prepared in a pension. You've got somewhere that's a bit more practical for the retirement side of things. It just kinda ticks about three different boxes for you, and Yeah. it's Yeah.","start_word":5424,"end_word":5878,"sentiment":"neutral","sentiment_score":0.06898530025731077},{"text":"usually a pretty good move.","start_word":5879,"end_word":5883,"sentiment":"positive","sentiment_score":0.40365415811538696},{"text":"Because the other the other thing I was going to ask too is I feel like, and I mentioned it last year to him that he's just really bad with stuff like this, but I really would like them to take a look at Craig's situation. His Yep. soup is not great, and so it's not but I just feel like there's probably a better way for him to at least have a plan and a strategy. Yeah. So I don't know Is how he we go about at doing a similar that. age to yourself? Older, younger? Now he's older than me, so he's 62. 62. K. And he's got no no plans of retiring. That's right. So continue on for ten years plus and just keep going kind So of thing. that's that's yeah.","start_word":5884,"end_word":6019,"sentiment":"neutral","sentiment_score":-0.11386714289512705},{"text":"He's just he's one of those weird people that actually loves his work and just wants to keep doing it.","start_word":6020,"end_word":6039,"sentiment":"positive","sentiment_score":0.531027615070343},{"text":"Yeah. So But what he's I happy might to do travel if in you want, between. So we can do a bit of a complimentary review just to see if there is yep. anything that we can kind of alter in preparation for retirement. It's usually Yep. Yep. a bit of a two step where we review and restructure possibly, and then it's all just strategies in terms of contributions and risk level as Yeah. you I transition I think he across. needs to like, he's super busy. Just always I think it's always been with. And I just said Yep. to him, we need to look at that and just do something that's a little bit, I think, a little bit better than that. So Well, I'll give you a moment to kind of obviously have that chat with him, and yep. then I'll get the girls to kind of reach out and see if they can book a time to see if he'll Yep. go through that research with us so that we can at least see if there is anything we can do to help. Yep. Yeah.","start_word":6040,"end_word":6229,"sentiment":"neutral","sentiment_score":0.15516135096549988},{"text":"Sounds good.","start_word":6230,"end_word":6231,"sentiment":"positive","sentiment_score":0.4824495017528534},{"text":"Alrighty. Outside of that, do you have any other questions for me before I kind of cap off the review? No. I think that's all good. K. So when it comes to the review at the moment, I was wanting to kind of line up your next review possibly Yep. in twelve months' time to go over, obviously, the updated contribution, salary packaging, and pre retirement planning. Are you okay for a twelve month catch up frequency? Would you like me to schedule in, like, six months, quarterly, anything more frequent? Let's stick with the twelve months for now. If anything drastically changes, then I'll contact you guys and see if we can bring Yeah. it forward maybe. Just reach out. We can always book in an ad hoc consultation at any point, Yep. especially if there's been any significant change or or anything that you need to change. Mhmm. Alright. So with the the documents that I've sent through to you in the annual review pack, it does include an updated service agreement with financial services guide with our updated licensing information. So just so that you've got that in the back of your mind, we've got the fees are still 1.65%, and then that's split into the little monthly payments.","start_word":6232,"end_word":6443,"sentiment":"neutral","sentiment_score":0.1373215432999269},{"text":"And your Superfund claims a 15% tax rebate on all expenses as well.","start_word":6444,"end_word":6456,"sentiment":"positive","sentiment_score":0.34632983803749084},{"text":"If you do recommend Cray to receive advice as well, we do offer partnership discounts to 1.1%, which would Yep. drop a bit of that off too. Okay. Cool. K? Now have you ever used our new Odoo sign system before? I think I did last time. K. So the quick reminder I'll give you for navigating it is the attachments at the bottom of the email are just normal email PDF attachments. Okay. The actual sign link will ask you to consent first through electronic signature, then Yes. it'll open up the documents for you to scroll through and read. Yes. When you're ready to sign them, you just click the purple buttons to bring you to the signature spot. It'll Yes. automatically stamp a signature and date on. But if you wanna draw your signature to match your license, you can just click on it, and there'll be a pop up to let you draw it. Cool. Yeah. I've Okay. used them before.","start_word":6457,"end_word":6621,"sentiment":"neutral","sentiment_score":0.12679386138916016},{"text":"Perfect.","start_word":6622,"end_word":6622,"sentiment":"positive","sentiment_score":0.339205265045166},{"text":"Now can Alright. I just ask, Pull have up. you already sent anything through? Yes. I did send it through to your BigPond. Did you end up getting that at the start of the call? I think I did my computer. Just I thought I was just looking through my email thinking I'm not it hasn't updated. It's fine now. It should come up with a Oakview Financial signature request and your review pack with your name on it. Sometimes it goes to the old spam box, sometimes the Yeah. main That's inbox what for I'm the thinking. first one. There it is. K. I'm just gonna make you a trusted. There we go. I have to pick up the right laptop. I'm trying to pick up my work tablet, and I'm like, oh, why is it not coming up? Oh, Probably that's because that's not the right code for Yeah. Yeah. Okay. Here we go. Now, Paula, Yep. while you're going through that, I just wanted to ask you in terms of our next catch up for the insurance reduction. Do you have a lot of availability towards the end of June or the first week of July? Would it be pretty easy to schedule in a time with you, or is Yep. there a period that's no Yeah. good? Yeah. No. That's okay.","start_word":6623,"end_word":6847,"sentiment":"neutral","sentiment_score":0.008126217126846313},{"text":"Mondays are a good day for me. Mondays are a good day.","start_word":6848,"end_word":6859,"sentiment":"positive","sentiment_score":0.3367413580417633},{"text":"Because what I'm gonna do is my team's just gonna do that reduction quote in Yep. between now and then. I'm actually about to go on some brief paternity leave. My third child Oh, that's is on exciting. the way, mid June.","start_word":6860,"end_word":6901,"sentiment":"neutral","sentiment_score":0.19957344233989716},{"text":"Thank you. Congratulations. Thank you.","start_word":6902,"end_word":6906,"sentiment":"positive","sentiment_score":0.6303636431694031},{"text":"So what I'll do be doing is they'll put the plan together and the reduction in between. And then as soon as I get back to the office towards the third week of June, I'm Yep. just gonna get you booked in to quickly go through that before your anniversary date for the premiums. Yep. Perfect. Worst case scenario, if that does come out just before we reduce it, they will still give you a pro rata refund. So if Yep. it's two days into Yeah. the new year, they'll refund, you know, Yep. 99.8% of it back Yep. Gotcha. as long as we get it all done before your next birthday, which impacts pricing, which is October. So that's Yep.","start_word":6907,"end_word":7027,"sentiment":"neutral","sentiment_score":0.048764247447252274},{"text":"perfect.","start_word":7028,"end_word":7028,"sentiment":"positive","sentiment_score":0.4406563341617584},{"text":"Okay. Alright. I'm just gonna say Monday's preferable and end of June, early July.","start_word":7029,"end_word":7042,"sentiment":"neutral","sentiment_score":0.18115516006946564},{"text":"Perfect.","start_word":7043,"end_word":7043,"sentiment":"positive","sentiment_score":0.4849410653114319},{"text":"Any other questions for me, Paula, before I let you go? Nope.","start_word":7044,"end_word":7055,"sentiment":"neutral","sentiment_score":0.14802603796124458},{"text":"I think it's good. Thank you. It's been really informative and helpful. I love it. Thank you so much for spending Alright. the time with me this morning. And good luck with the birth of the third. Thank you so much.","start_word":7056,"end_word":7096,"sentiment":"positive","sentiment_score":0.6970346570014954},{"text":"I caught Alright. the second I'll one. talk He is to you hoping soon. I don't with the third. Fingers Alright. crossed. Alright.","start_word":7097,"end_word":7119,"sentiment":"neutral","sentiment_score":0.03457234799861908},{"text":"See you later, Thanks, Paula. Zoe. Have a good Bye.","start_word":7120,"end_word":7129,"sentiment":"positive","sentiment_score":0.3627099394798279},{"text":"day. Bye.","start_word":7130,"end_word":7131,"sentiment":"neutral","sentiment_score":0.11297734826803207}],"average":{"sentiment":"neutral","sentiment_score":0.07377134912726345}}}}