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Depends on sort of what we need to go through. I can normally do it as quickly as possible in around sort of fifteen minutes to twenty minutes if there's, you know, not as much to kinda go through. But if you do have additional questions, it can take a bit longer, around half an hour. But I can sort of touch on it as fast as possible to make it easier if that's more convenient for you. Oh, of course. Yeah. That's okay. That's not a problem. I'll touch on the things that I need to, go through what we have to. And then if we need to sort of reschedule and come back again, we can always do that. That's not a problem. Excellent. Jessica, I do also send through a copy of your annual review documents to you to review as I'm going through things. Are you able to access your emails? If you can't, that's honestly okay. I can run through it, then you're able to look at it later. What's your preference? Beautiful. I've sent it through there for you. Fantastic. Now before we jump into the call, I do have to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I just need to do security there with you as well. We are discussing your personal information, so I'll confirm your full name, your date of birth, and address on file, if you could. Beautiful. Thank you so much for that. Jessica, are are you able to open up that email as of yet? Does it come through, or did you want me just to start by running through the documents? What's easier for yourself there? Run through? Yeah. That's fine. You can always have a look at them later if you like. All the documents I'll be going through are in there for you to review. Essentially, just to kinda start and look at your super balance to begin with. So when we sort of did the last annual review there, your balance is sitting at a $150,419.56. As of your super balance as of today's date, we're sitting here at a $170,322.64. So you see the balance has increased since you last sent your review, which is good. When we sort of look at how the investments have been performing overall, this year has been a little bit rough, a little bit up and down there. And it looks like now there's no contributions going into your super at the moment. I've got down a note that says you're you're self employed. Is that right? Uh-huh. That's okay. That's understandable. No. That's we can talk more about that and sort of look at that for you. It's not an issue. But just sort of being open and honest with you, this year has been a little bit up and down with the markets. And because there isn't any contributions going in, it is essentially up to the portfolio to kind of make things work. You have been getting quite a bit of income. So income, when we break that down, is, like, dividends that are paid out of the investments and re reinvested back into the portfolio. So you have made over $2,697 with income within the portfolio. So that is a good aspect there. As per the return, overall, because the growth is showing down a little bit, you are under as showing a negative return to 0.54 percent for this year, but you still have had income which is being redistributed back. So it is a good asset. It's just that being open and honest, the portfolio is down a little bit currently. A lot of it is just to do with the market ups and downs there at the moment. The other thing I sort of wanted to bring to the forefront there for you was we sent through an email to you around about March. Do you remember receiving a little record of advice in the email there and a bit of information around a certain investment? That's okay. Essentially, you originally had the Benelon Australian Equities investment within your portfolio, and that was a a more of an actively managed fund. That investment earlier this year had been underperforming a little bit. So we have made the change and moved that out of your portfolio, essentially. As soon as our investment committee had looked at that and decide discovered it was underperforming, we made the switch there for you. That all happened around about March this year. So it did mean that we swapped that out and replaced it with something else. We have replaced that with the BetaShares Australian 200 exchange traded funds. So that's essentially giving you exposure to the top 200 companies on the ASX. And since doing that, your portfolio has shown a little bit of a recovery just in the Australian equities component side of things. So what I would probably like to do moving forward is just keep monitoring that, look at it for maybe another sort of six months, and then we come back and review those investments again and see if we need to maybe update or make any further changes. Does that make sense? Do you have any questions around any of that at all? That's okay? Excellent. Beautiful. You will have your portfolio performance report and, obviously, your updated balance within that email there. So if you find you do have additional questions, please let me know. When with the the sort of going back to the contribution side of things, you may have mentioned that you haven't been able to make contributions. Is that something that you are able to and wanting to do moving forward, or is it still not possible to make those additional contributions to Super? Okay. Okay. Yeah. That's okay. Is that something you'd like to maybe review in six months when we come back and review the portfolio again? Yep. Yep. That's okay. Not a problem at all. So I'll just note here, so six months review to talk about contributions in detail. Fantastic. And you've mentioned that you're self employed there as well. What do you do for work? What is your business? Oh, yep. Beautiful. Beautiful. Fantastic. And how many hours are you roughly working on a weekly basis? Is it sort of standard every week the same sort of hours, or does it Yeah. Yeah. Okay. Beautiful. Yes. Yep. Yep. No. That's okay. That's not a problem at all. It sounds like you've got your hands full with working and kids as well. All good. I'm just confirming here that you are married as well. Is that correct? Yep. Beautiful. Excellent. And just running down the page to add a few additional details there for you. Income wise, what do you expect to sort of earn this financial year? Do you know? Yeah. Just for yourself. Yeah. Okay. Beautiful. Fantastic. Excellent. I'll just make a note here that we'll revisit contributions down the track there. That's not a problem at all. Excellent. Now the other thing to sort of talk about is the insurances that you do have. So at the moment, you've got your life and TPD cover. That's through BP Life. The current sum insured for your life cover that you've got is 1,273,084. If you think about the level of cover you have at the moment, if you were to and I do do apologize. I try to be sensitive to this, but hypothetically, with the cover you have today, if you were to pass away today, your life benefit is paid out, but then your super benefit is paid out on top of that. So it's an extra $170,322.64 there. It essentially shows that overall your life benefit, you're you're insured for 1,400,000 or a little over 1,400,000 there. Do you feel that that's fairly appropriate level of cover that you might have? Did you wanna look at reviewing that at all? Ever had? Yeah. That's okay. Yeah. That's okay. That's absolutely fine. So let's have a look at what it is that you would realistically like to cover. So I believe I've got your mortgage here as well. How much do you owe on your mortgage currently? Okay. Beautiful. So if we looked at the level of cover you have, if in the event that you were to pass away, are you wanting the mortgage to be covered, or what sort of debts are you wanting to sort of have paid? Yeah. Well, if you looked at that and say, just base it on 800,000, because you said you owe just a little bit under that at the moment, if you take that 1,400,000, subtract off the 800,000, it essentially leaves around about 643,000 there. Now in the event of claiming on life cover, are you wanting those funds to be paid out to your husband so that he can be looking after your kids and your family? Is that kind of what you're wanting to happen to those funds? Yeah. That's okay. And if we look at your income, say, based that on because, realistically, you guys live as a family in a household with a joint income and expenditures are all sort of based on that. So if you then took that 643,000 and you divide that by your expected income of 80,000, it would essentially mean that if you passed away today with the life cover that would pay out the mortgage free and clear, leave him debt debt free so they could live in the house comfortably, and then replace your current income for an additional eight years on top of that. Do you feel like at the moment that would provide sufficient cover to give him some time off to think about what to do to cover the mortgage and look after the kids for a couple of years, or what how do you feel? Yep. Yep. So that would just provide additional support for him, basically. Yeah. Yep. Beautiful. The other side to look at that is that once our mortgage is completely free and clear, if you guys are paying, you know, 6 or $700 on a weekly basis for the mortgage, having that life benefit paid out clearing the mortgage means it's an extra 6 or $700 that he actually doesn't have to worry about after that point. So that could essentially mean that your income or, you know, the the money left over to cover your income could actually last ten or eleven or twelve years. It could actually go further than that. So because expenditure would decrease with not having a mortgage repayment to worry about. So, yeah, I mean, that's something for you to definitely think about, but you're comfortable with that level of cover at the moment. Yeah. That's that's okay. What I would probably suggest to do is we've got we'll do a review in about six months just to catch up and see how things are going. We can always go back over the level of cover in the time between now and then. If you are sort of thinking about it and mulling it over, just sort of looking at what you might like that to cover. Then when we kinda catch up, if you wanted to reevaluate it or, you know, look deeper at it, we can absolutely do that. Does that sound okay? Yep. Beautiful. Excellent. Now you've got the same level of TBD, so it's total permanent disability cover. Do you understand how TPD works, what it pays, what the benefit is? That's okay. So TPD is total permanent disability cover, and it pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again. Essentially, for TPD, your level of cover is the same as your life, so you're 1,200,000 there. And then under permanent capacity, we can also claim against your super as well if you are TBD. You know, based on sort of what you do for work and everything, do you feel like that TBD benefit that you have at the moment is fairly sufficient for you? Yeah. Absolutely. Now you don't have any income protection or trauma cover. Has anyone ever spoken to you about what those additional types of insurances are, how they pay, how they work? That's okay. So we'll start with income protection. So income protection, if you have it, essentially pays out like a lump sum a monthly lump sum benefit for you, which is in the shortest term to cover expenditure. With income protection, you can't cover a 100% of your income. They have a maximum 70% of your income that you're able to cover under the current legislation around that side of thing. It pays out a just an income stream, a regular income stream on a monthly basis to cover your income if you're unable to go to work in the short term. So say, for example, you broke your leg and weren't able to, you know, go in and do any of your work. You if you were off for a certain period of time, you could then claim on the income protection side of things. When you think about your spouse's income, if you were not able to work in the short term, does his income come in does that cover all of your expenses if you weren't able to earn an income as well? Yeah. Yeah. Definitely something to think about. Generally speaking, with income protection, it is a larger cost of your insurances. We could look at that down the track if you did want to. It might be worth having a bit of a think about that, you know, with him, look at his income coming in and look at the expenses going out to sort of work out that if you weren't able to go to work, you know, if you were off sick due to illness or injury, you know, would you have enough to sort of fall back on? Do you guys have anything in the way of savings or anything in the offset account or anything sick leave or annually that you could sort of fall back on? I know you're self employed, so you probably don't have a lot of leave entitlement there. But do you have anything else that you could fall back on if you were not able to work in the short term? Yep. Yep. Do you see? Yeah. Understandable. Understandable. No. That's absolutely okay. Do you feel like at the moment you're comfortable with the way things are not having income protection, or did you wanna look at maybe applying for some and looking at whether income protection benefit could be appropriate to you? We can re yeah. In six Yeah. Absolutely. Essentially, it's just sort of giving you food for thought as well. So today, we don't have to kinda go any further, but it's kinda giving you something to sort of think about whilst you are sort of at home, looking at your family, making sure that things are covered. And then when we review things in six months, we can always come back and do additional advice. If you decide you wanna catch up prior to that six months, you just let me know. We'll make that happen for you. It's not a problem. Okay? Excellent. Beautiful. Now there are other types of cover for you to think about as well. There are things like trauma and child trauma, which can pay out a lump sum tax free benefit if you were to be diagnosed with a major traumatic condition. And child trauma pays that if your child is diagnosed with a major traumatic condition. I think cancer is probably one of the biggest ones that people claim on. Or in the sad event that your child passes away, child trauma also pays out as a life insurance policy. Some people do like to take out additional insurances to cover in the event of those sorts of things. Other people, not so much. The income protection can be held inside super the same as your life and TPD can. However, the trauma policies and child trauma policies, they are an external expense, so it does have to be paid out of your back pocket. So a lot of people don't have those sorts of covers because they just can't afford to pay the premiums out of the back pocket. But it is something to sort of think about. And if you wanna sit down the track and look at reviewing those sorts of covers, you're welcome to let me know, and I'll make a note to touch notes for you then as well. How does that sound? Yep. Fantastic. Just touching there on your other assets and liabilities. With your main primary residence there currently, what kind of value would you put on that, do you think? Yeah. 2.5? Yeah. Beautiful. Excellent. And you said you've got some savings there as well. How much do you guys have in savings? No. That's okay. Just a rough amount. That's okay. Okay. Beautiful. And is that sitting in, like, an offset account offsetting the interest you're paying on your mortgage or in just a normal savings account? Yep. Yeah. That's okay. No problem. But also some in the offset. Fantastic. Other assets to note down as well, things like your cars. What kind of car do you drive? Beautiful. Beautiful. Fantastic. And what sort of value would you put on that vehicle, do you think? That's okay. Not a problem. I think last time we were able to sort of touch base, the the value was about 40,000. Do you think maybe sort of 30 or 20 might be appropriate or more close to 40 still? Yeah. Yeah. That's okay. Not a problem at all. And the only other thing I had noted here originally was a car loan owing about 45,000. Do you still have a car loan at all? Nope. That's okay. Beautiful. Is there any other assets or liabilities that you'd sorta wanna note down? Anything else of value? No. That's okay. How much would you value that at, do you think, and what kind of car is it? Yes. Yes. Yes. Yep. No. That's okay. That's absolutely fine. Is that recently purchased? Is it? Or Yeah. Okay. Beautiful. And what sort of purchase price would that have had? Sorry. Yeah. That's okay. I promise you. I can ask you all the questions you probably never thought about answering. Yeah. No. All good. Well, thank you for updating those details there for me. I do appreciate that. We'll definitely come back and revisit those again when we catch up in six months' time there. The other things to sort of look at here, and I know you're very time poor at the moment, so I'm very sorry. I tried to sort of speed things up a little bit for you. With your estate planning, have yourself and your husband ever done up a will, power of attorney? Have you seen a solicitor to draw up those sorts of documents or a guardianship? Have you ever completed anything like that? No? Oh, good. Yes. Yeah. Yeah. Yes. Absolutely. And and, look, it's definitely not just for old people. It's more also for everyone. I mean, realistically, you both work so very hard. You're both self employed. And, you know, everything you've worked for, your home, your savings, your cars, your contents, and your children, if anything was to happen to either of you, there is still technically a probate process that needs to be sort of followed through. So by having a will that directs you know, if you want everything just directed to each other in that instance, it's a good thing to have that nominated and set up in a will. And then, obviously, accounting for if something was to happen to the two of you, noting that you could also account for powers of attorneys and making sure you're able to stipulate who makes decisions for you if you are medically incapacitated and unable to make decisions on your own. And, also, looking at guardianships, they're having two very small children. If anything happened to the two of you, where do you want your children to go, who do you want to look after them, and what directions do you have for those those parties? So having those sorts of things are very important even at a younger age. We do have your beneficiary on file, which accounts for your sleep and your life insurance policy. Just confirming, I believe it's your husband. Can I confirm his name? Beautiful. Yep. Lovely. So a 100% here binding, non lapsing paid to spouse in the event that something happens. And you're happy with those beneficiary nominations and how they are structured? Yep. Beautiful. All good. Fantastic. Well, thank you for updating those details there for me. The last thing to sorta look at is, obviously, goal wise. So we had down here originally that when you with your super that you're hoping to be able to access super, you sorta had here 67 years of age. Is that sort of what you're hoping? Are you hoping to be able to access super early than 67? What's your goal age for wanting to access super at the moment? At the moment, the legislation is 60. So if you retire at the age of 60, you're able to access your super wholly and tax free. Yeah. Yep. Don't wanna work any longer than you have to. I love it. The 60 years of age, they're beautiful. In those your time years, I know it is, you know, a good sixteen years down the track there, but have you sort of thought about what you'd like to spend your time doing? What would you like to do in the when you retire and stop work? I love that. Anywhere specific you'd like to go? I love that. That's I love that. That's fantastic. Beautiful. Excellent. And the only other thing to sort of touch on is your risk profile. So within your super fund at the moment, you are in that growth environment. So that generally sees about 80% of your super invested in growth assets. So these are things like Australian shares, international shares, property is another one, and then also precious metals like gold and silver. Those are the sorts of investments that tend to get you higher growth over the longer term. You are taking a bit more risk in the market to have those of investments in your portfolio. But you do also have generally about 20% low risk defensive investments with things like cash, bonds, and fixed interest as well. In that kind of growth environment, we are looking to, as a risk profile, obtain around about seven to 9% on a yearly basis compounding that forward. This sort of environment does suit someone who has at least six years before accessing their sleep, but you've got well and truly more than that ahead of you there. And we understand there is a likelihood of a negative return because markets go up, markets go down. So the likelihood of a negative return is expected kind of one in every five years there. Did you wanna look at reevaluating your risk profile? Do you feel comfortable with where you are at the moment? How do you sort of feel about that? Yeah. Yeah. Absolutely. Look. You're the same age as me, honestly. We have a bit of time ahead of us. As much as sixteen years doesn't feel like it, it is a long time away, especially when we look at markets and investments. I know you do have to go in a minute. So I do wanna let you know that the last couple of documents in that DocuSign are your ongoing services agreement with us. You do pay us an ongoing service fee of 1.65% per annum. Moving forward, that fee will become more of a tiered structure. So when your balance hits over 200,000, you drop into the lower tier, which means that this tier would drop slightly. So having a balance over 200,000 means you go from 1.65% to 1.375. So we kind of wanted to make it more of a tiered structure and make it more of a dollar fee there as well. But that's for our services for looking after your super, managing things in the background, and providing ongoing advice to support you as we work towards your goals there. Do you have any questions about the ongoing service fee or how that works? Or that's okay. It's the same as the last few years. Excellent. Beautiful. I've also got in there the financial services guide, which outlines all the details on us. When you do get some time there, if you can have a review of the email, sign the documents, and return them back, and I'll make sure that we do a catch up in about six months' time. Is that okay with you? Yep. Beautiful. Do you have any questions? I know I touch on a lot in a short time there, Jessica. Is there anything else that I maybe have missed that I haven't touched on that you wanted to talk about today or any questions that have come from any of that? No? That's that's okay. The bells are about to ring, so I will let you go. I appreciate your time, and I will make sure we catch up in the next few months and revisit those the insurances and the super side of things for you. Okay? No worries. I hope you kids have a great afternoon. Hope you had a good day at school. Thanks, Jessica. I'll talk to you soon. See you later. 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Jessica. This is Dana from Okie Financial. How are you this afternoon? That's good. I had you booked in to go through your annual review today.\n\nIs now still a good time there for you? Depends on sort of what we need to go through. I can normally do it as quickly as possible in around sort of fifteen minutes to twenty minutes if there's, you know, not as much to kinda go through. But if you do have additional questions, it can take a bit longer, around half an hour. But I can sort of touch on it as fast as possible to make it easier if that's more convenient for you.\n\nOh, of course. Yeah. That's okay. That's not a problem. I'll touch on the things that I need to, go through what we have to.\n\nAnd then if we need to sort of reschedule and come back again, we can always do that. That's not a problem. Excellent. Jessica, I do also send through a copy of your annual review documents to you to review as I'm going through things. Are you able to access your emails?\n\nIf you can't, that's honestly okay. I can run through it, then you're able to look at it later. What's your preference? Beautiful. I've sent it through there for you.\n\nFantastic. Now before we jump into the call, I do have to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I just need to do security there with you as well.\n\nWe are discussing your personal information, so I'll confirm your full name, your date of birth, and address on file, if you could. Beautiful. Thank you so much for that. Jessica, are are you able to open up that email as of yet? Does it come through, or did you want me just to start by running through the documents?\n\nWhat's easier for yourself there? Run through? Yeah. That's fine. You can always have a look at them later if you like.\n\nAll the documents I'll be going through are in there for you to review. Essentially, just to kinda start and look at your super balance to begin with. So when we sort of did the last annual review there, your balance is sitting at a $150,419.56. As of your super balance as of today's date, we're sitting here at a $170,322.64. So you see the balance has increased since you last sent your review, which is good.\n\nWhen we sort of look at how the investments have been performing overall, this year has been a little bit rough, a little bit up and down there. And it looks like now there's no contributions going into your super at the moment. I've got down a note that says you're you're self employed. Is that right? Uh-huh.\n\nThat's okay. That's understandable. No. That's we can talk more about that and sort of look at that for you. It's not an issue.\n\nBut just sort of being open and honest with you, this year has been a little bit up and down with the markets. And because there isn't any contributions going in, it is essentially up to the portfolio to kind of make things work. You have been getting quite a bit of income. So income, when we break that down, is, like, dividends that are paid out of the investments and re reinvested back into the portfolio. So you have made over $2,697 with income within the portfolio.\n\nSo that is a good aspect there. As per the return, overall, because the growth is showing down a little bit, you are under as showing a negative return to 0.54 percent for this year, but you still have had income which is being redistributed back. So it is a good asset. It's just that being open and honest, the portfolio is down a little bit currently. A lot of it is just to do with the market ups and downs there at the moment.\n\nThe other thing I sort of wanted to bring to the forefront there for you was we sent through an email to you around about March. Do you remember receiving a little record of advice in the email there and a bit of information around a certain investment? That's okay. Essentially, you originally had the Benelon Australian Equities investment within your portfolio, and that was a a more of an actively managed fund. That investment earlier this year had been underperforming a little bit.\n\nSo we have made the change and moved that out of your portfolio, essentially. As soon as our investment committee had looked at that and decide discovered it was underperforming, we made the switch there for you. That all happened around about March this year. So it did mean that we swapped that out and replaced it with something else. We have replaced that with the BetaShares Australian 200 exchange traded funds.\n\nSo that's essentially giving you exposure to the top 200 companies on the ASX. And since doing that, your portfolio has shown a little bit of a recovery just in the Australian equities component side of things. So what I would probably like to do moving forward is just keep monitoring that, look at it for maybe another sort of six months, and then we come back and review those investments again and see if we need to maybe update or make any further changes. Does that make sense? Do you have any questions around any of that at all?\n\nThat's okay? Excellent. Beautiful. You will have your portfolio performance report and, obviously, your updated balance within that email there. So if you find you do have additional questions, please let me know.\n\nWhen with the the sort of going back to the contribution side of things, you may have mentioned that you haven't been able to make contributions. Is that something that you are able to and wanting to do moving forward, or is it still not possible to make those additional contributions to Super? Okay. Okay. Yeah.\n\nThat's okay. Is that something you'd like to maybe review in six months when we come back and review the portfolio again? Yep. Yep. That's okay.\n\nNot a problem at all. So I'll just note here, so six months review to talk about contributions in detail. Fantastic. And you've mentioned that you're self employed there as well. What do you do for work?\n\nWhat is your business? Oh, yep. Beautiful. Beautiful. Fantastic.\n\nAnd how many hours are you roughly working on a weekly basis? Is it sort of standard every week the same sort of hours, or does it Yeah. Yeah. Okay. Beautiful.\n\nYes. Yep. Yep. No. That's okay.\n\nThat's not a problem at all. It sounds like you've got your hands full with working and kids as well. All good. I'm just confirming here that you are married as well. Is that correct?\n\nYep. Beautiful. Excellent. And just running down the page to add a few additional details there for you. Income wise, what do you expect to sort of earn this financial year?\n\nDo you know? Yeah. Just for yourself. Yeah. Okay.\n\nBeautiful. Fantastic. Excellent. I'll just make a note here that we'll revisit contributions down the track there. That's not a problem at all.\n\nExcellent. Now the other thing to sort of talk about is the insurances that you do have. So at the moment, you've got your life and TPD cover. That's through BP Life. The current sum insured for your life cover that you've got is 1,273,084.\n\nIf you think about the level of cover you have at the moment, if you were to and I do do apologize. I try to be sensitive to this, but hypothetically, with the cover you have today, if you were to pass away today, your life benefit is paid out, but then your super benefit is paid out on top of that. So it's an extra $170,322.64 there. It essentially shows that overall your life benefit, you're you're insured for 1,400,000 or a little over 1,400,000 there. Do you feel that that's fairly appropriate level of cover that you might have?\n\nDid you wanna look at reviewing that at all? Ever had? Yeah. That's okay. Yeah.\n\nThat's okay. That's absolutely fine. So let's have a look at what it is that you would realistically like to cover. So I believe I've got your mortgage here as well. How much do you owe on your mortgage currently?\n\nOkay. Beautiful. So if we looked at the level of cover you have, if in the event that you were to pass away, are you wanting the mortgage to be covered, or what sort of debts are you wanting to sort of have paid? Yeah. Well, if you looked at that and say, just base it on 800,000, because you said you owe just a little bit under that at the moment, if you take that 1,400,000, subtract off the 800,000, it essentially leaves around about 643,000 there.\n\nNow in the event of claiming on life cover, are you wanting those funds to be paid out to your husband so that he can be looking after your kids and your family? Is that kind of what you're wanting to happen to those funds? Yeah. That's okay. And if we look at your income, say, based that on because, realistically, you guys live as a family in a household with a joint income and expenditures are all sort of based on that.\n\nSo if you then took that 643,000 and you divide that by your expected income of 80,000, it would essentially mean that if you passed away today with the life cover that would pay out the mortgage free and clear, leave him debt debt free so they could live in the house comfortably, and then replace your current income for an additional eight years on top of that. Do you feel like at the moment that would provide sufficient cover to give him some time off to think about what to do to cover the mortgage and look after the kids for a couple of years, or what how do you feel? Yep. Yep. So that would just provide additional support for him, basically.\n\nYeah. Yep. Beautiful. The other side to look at that is that once our mortgage is completely free and clear, if you guys are paying, you know, 6 or $700 on a weekly basis for the mortgage, having that life benefit paid out clearing the mortgage means it's an extra 6 or $700 that he actually doesn't have to worry about after that point. So that could essentially mean that your income or, you know, the the money left over to cover your income could actually last ten or eleven or twelve years.\n\nIt could actually go further than that. So because expenditure would decrease with not having a mortgage repayment to worry about. So, yeah, I mean, that's something for you to definitely think about, but you're comfortable with that level of cover at the moment. Yeah. That's that's okay.\n\nWhat I would probably suggest to do is we've got we'll do a review in about six months just to catch up and see how things are going. We can always go back over the level of cover in the time between now and then. If you are sort of thinking about it and mulling it over, just sort of looking at what you might like that to cover. Then when we kinda catch up, if you wanted to reevaluate it or, you know, look deeper at it, we can absolutely do that. Does that sound okay?\n\nYep. Beautiful. Excellent. Now you've got the same level of TBD, so it's total permanent disability cover. Do you understand how TPD works, what it pays, what the benefit is?\n\nThat's okay. So TPD is total permanent disability cover, and it pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again. Essentially, for TPD, your level of cover is the same as your life, so you're 1,200,000 there. And then under permanent capacity, we can also claim against your super as well if you are TBD. You know, based on sort of what you do for work and everything, do you feel like that TBD benefit that you have at the moment is fairly sufficient for you?\n\nYeah. Absolutely. Now you don't have any income protection or trauma cover. Has anyone ever spoken to you about what those additional types of insurances are, how they pay, how they work? That's okay.\n\nSo we'll start with income protection. So income protection, if you have it, essentially pays out like a lump sum a monthly lump sum benefit for you, which is in the shortest term to cover expenditure. With income protection, you can't cover a 100% of your income. They have a maximum 70% of your income that you're able to cover under the current legislation around that side of thing. It pays out a just an income stream, a regular income stream on a monthly basis to cover your income if you're unable to go to work in the short term.\n\nSo say, for example, you broke your leg and weren't able to, you know, go in and do any of your work. You if you were off for a certain period of time, you could then claim on the income protection side of things. When you think about your spouse's income, if you were not able to work in the short term, does his income come in does that cover all of your expenses if you weren't able to earn an income as well? Yeah. Yeah.\n\nDefinitely something to think about. Generally speaking, with income protection, it is a larger cost of your insurances. We could look at that down the track if you did want to. It might be worth having a bit of a think about that, you know, with him, look at his income coming in and look at the expenses going out to sort of work out that if you weren't able to go to work, you know, if you were off sick due to illness or injury, you know, would you have enough to sort of fall back on? Do you guys have anything in the way of savings or anything in the offset account or anything sick leave or annually that you could sort of fall back on?\n\nI know you're self employed, so you probably don't have a lot of leave entitlement there. But do you have anything else that you could fall back on if you were not able to work in the short term? Yep. Yep. Do you see?\n\nYeah. Understandable. Understandable. No. That's absolutely okay.\n\nDo you feel like at the moment you're comfortable with the way things are not having income protection, or did you wanna look at maybe applying for some and looking at whether income protection benefit could be appropriate to you? We can re yeah. In six Yeah. Absolutely. Essentially, it's just sort of giving you food for thought as well.\n\nSo today, we don't have to kinda go any further, but it's kinda giving you something to sort of think about whilst you are sort of at home, looking at your family, making sure that things are covered. And then when we review things in six months, we can always come back and do additional advice. If you decide you wanna catch up prior to that six months, you just let me know. We'll make that happen for you. It's not a problem.\n\nOkay? Excellent. Beautiful. Now there are other types of cover for you to think about as well. There are things like trauma and child trauma, which can pay out a lump sum tax free benefit if you were to be diagnosed with a major traumatic condition.\n\nAnd child trauma pays that if your child is diagnosed with a major traumatic condition. I think cancer is probably one of the biggest ones that people claim on. Or in the sad event that your child passes away, child trauma also pays out as a life insurance policy. Some people do like to take out additional insurances to cover in the event of those sorts of things. Other people, not so much.\n\nThe income protection can be held inside super the same as your life and TPD can. However, the trauma policies and child trauma policies, they are an external expense, so it does have to be paid out of your back pocket. So a lot of people don't have those sorts of covers because they just can't afford to pay the premiums out of the back pocket. But it is something to sort of think about. And if you wanna sit down the track and look at reviewing those sorts of covers, you're welcome to let me know, and I'll make a note to touch notes for you then as well.\n\nHow does that sound? Yep. Fantastic. Just touching there on your other assets and liabilities. With your main primary residence there currently, what kind of value would you put on that, do you think?\n\nYeah. 2.5? Yeah. Beautiful. Excellent.\n\nAnd you said you've got some savings there as well. How much do you guys have in savings? No. That's okay. Just a rough amount.\n\nThat's okay. Okay. Beautiful. And is that sitting in, like, an offset account offsetting the interest you're paying on your mortgage or in just a normal savings account? Yep.\n\nYeah. That's okay. No problem. But also some in the offset. Fantastic.\n\nOther assets to note down as well, things like your cars. What kind of car do you drive? Beautiful. Beautiful. Fantastic.\n\nAnd what sort of value would you put on that vehicle, do you think? That's okay. Not a problem. I think last time we were able to sort of touch base, the the value was about 40,000. Do you think maybe sort of 30 or 20 might be appropriate or more close to 40 still?\n\nYeah. Yeah. That's okay. Not a problem at all. And the only other thing I had noted here originally was a car loan owing about 45,000.\n\nDo you still have a car loan at all? Nope. That's okay. Beautiful. Is there any other assets or liabilities that you'd sorta wanna note down?\n\nAnything else of value? No. That's okay. How much would you value that at, do you think, and what kind of car is it? Yes.\n\nYes. Yes. Yep. No. That's okay.\n\nThat's absolutely fine. Is that recently purchased? Is it? Or Yeah. Okay.\n\nBeautiful. And what sort of purchase price would that have had? Sorry. Yeah. That's okay.\n\nI promise you. I can ask you all the questions you probably never thought about answering. Yeah. No. All good.\n\nWell, thank you for updating those details there for me. I do appreciate that. We'll definitely come back and revisit those again when we catch up in six months' time there. The other things to sort of look at here, and I know you're very time poor at the moment, so I'm very sorry. I tried to sort of speed things up a little bit for you.\n\nWith your estate planning, have yourself and your husband ever done up a will, power of attorney? Have you seen a solicitor to draw up those sorts of documents or a guardianship? Have you ever completed anything like that? No? Oh, good.\n\nYes. Yeah. Yeah. Yes. Absolutely.\n\nAnd and, look, it's definitely not just for old people. It's more also for everyone. I mean, realistically, you both work so very hard. You're both self employed. And, you know, everything you've worked for, your home, your savings, your cars, your contents, and your children, if anything was to happen to either of you, there is still technically a probate process that needs to be sort of followed through.\n\nSo by having a will that directs you know, if you want everything just directed to each other in that instance, it's a good thing to have that nominated and set up in a will. And then, obviously, accounting for if something was to happen to the two of you, noting that you could also account for powers of attorneys and making sure you're able to stipulate who makes decisions for you if you are medically incapacitated and unable to make decisions on your own. And, also, looking at guardianships, they're having two very small children. If anything happened to the two of you, where do you want your children to go, who do you want to look after them, and what directions do you have for those those parties? So having those sorts of things are very important even at a younger age.\n\nWe do have your beneficiary on file, which accounts for your sleep and your life insurance policy. Just confirming, I believe it's your husband. Can I confirm his name? Beautiful. Yep.\n\nLovely. So a 100% here binding, non lapsing paid to spouse in the event that something happens. And you're happy with those beneficiary nominations and how they are structured? Yep. Beautiful.\n\nAll good. Fantastic. Well, thank you for updating those details there for me. The last thing to sorta look at is, obviously, goal wise. So we had down here originally that when you with your super that you're hoping to be able to access super, you sorta had here 67 years of age.\n\nIs that sort of what you're hoping? Are you hoping to be able to access super early than 67? What's your goal age for wanting to access super at the moment? At the moment, the legislation is 60. So if you retire at the age of 60, you're able to access your super wholly and tax free.\n\nYeah. Yep. Don't wanna work any longer than you have to. I love it. The 60 years of age, they're beautiful.\n\nIn those your time years, I know it is, you know, a good sixteen years down the track there, but have you sort of thought about what you'd like to spend your time doing? What would you like to do in the when you retire and stop work? I love that. Anywhere specific you'd like to go? I love that.\n\nThat's I love that. That's fantastic. Beautiful. Excellent. And the only other thing to sort of touch on is your risk profile.\n\nSo within your super fund at the moment, you are in that growth environment. So that generally sees about 80% of your super invested in growth assets. So these are things like Australian shares, international shares, property is another one, and then also precious metals like gold and silver. Those are the sorts of investments that tend to get you higher growth over the longer term. You are taking a bit more risk in the market to have those of investments in your portfolio.\n\nBut you do also have generally about 20% low risk defensive investments with things like cash, bonds, and fixed interest as well. In that kind of growth environment, we are looking to, as a risk profile, obtain around about seven to 9% on a yearly basis compounding that forward. This sort of environment does suit someone who has at least six years before accessing their sleep, but you've got well and truly more than that ahead of you there. And we understand there is a likelihood of a negative return because markets go up, markets go down. So the likelihood of a negative return is expected kind of one in every five years there.\n\nDid you wanna look at reevaluating your risk profile? Do you feel comfortable with where you are at the moment? How do you sort of feel about that? Yeah. Yeah.\n\nAbsolutely. Look. You're the same age as me, honestly. We have a bit of time ahead of us. As much as sixteen years doesn't feel like it, it is a long time away, especially when we look at markets and investments.\n\nI know you do have to go in a minute. So I do wanna let you know that the last couple of documents in that DocuSign are your ongoing services agreement with us. You do pay us an ongoing service fee of 1.65% per annum. Moving forward, that fee will become more of a tiered structure. So when your balance hits over 200,000, you drop into the lower tier, which means that this tier would drop slightly.\n\nSo having a balance over 200,000 means you go from 1.65% to 1.375. So we kind of wanted to make it more of a tiered structure and make it more of a dollar fee there as well. But that's for our services for looking after your super, managing things in the background, and providing ongoing advice to support you as we work towards your goals there. Do you have any questions about the ongoing service fee or how that works? Or that's okay.\n\nIt's the same as the last few years. Excellent. Beautiful. I've also got in there the financial services guide, which outlines all the details on us. When you do get some time there, if you can have a review of the email, sign the documents, and return them back, and I'll make sure that we do a catch up in about six months' time.\n\nIs that okay with you? Yep. Beautiful. Do you have any questions? I know I touch on a lot in a short time there, Jessica.\n\nIs there anything else that I maybe have missed that I haven't touched on that you wanted to talk about today or any questions that have come from any of that? No? That's that's okay. The bells are about to ring, so I will let you go. I appreciate your time, and I will make sure we catch up in the next few months and revisit those the insurances and the super side of things for you.\n\nOkay? No worries. I hope you kids have a great afternoon. Hope you had a good day at school. Thanks, Jessica.\n\nI'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jessica.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.14459124207496643},{"text":"This is Dana from Okie Financial.","start":3.84,"end":5.7,"sentiment":"neutral","sentiment_score":0.20120147615671158},{"text":"How are you this afternoon?","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.2650681048631668},{"text":"That's good.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.7922960519790649},{"text":"I had you booked in to go through your annual review today.","start":9.28,"end":11.44,"sentiment":"positive","sentiment_score":0.4603055417537689}],"sentiment":"positive","sentiment_score":0.36777742482997755,"num_words":27,"start":3.04,"end":11.44},{"sentences":[{"text":"Is now still a good time there for you?","start":11.44,"end":13.54,"sentiment":"positive","sentiment_score":0.3948289387755924},{"text":"Depends on sort of what we need to go through.","start":18.505001,"end":20.925,"sentiment":"neutral","sentiment_score":0.02256412599235773},{"text":"I can normally do it as quickly as possible in around sort of fifteen minutes to twenty minutes if there's, you know, not as much to kinda go through.","start":20.985,"end":27.805,"sentiment":"neutral","sentiment_score":0.0526478835863286},{"text":"But if you do have additional questions, it can take a bit longer, around half an hour.","start":28.19,"end":32.53,"sentiment":"neutral","sentiment_score":-0.04486494292231167},{"text":"But I can sort of touch on it as fast as possible to make it easier if that's more convenient for you.","start":33.15,"end":38.53,"sentiment":"neutral","sentiment_score":0.08734202418815006}],"sentiment":"neutral","sentiment_score":0.07430702109617748,"num_words":87,"start":11.44,"end":38.53},{"sentences":[{"text":"Oh, of course.","start":41.870003,"end":42.93,"sentiment":"neutral","sentiment_score":0.06241303185621897},{"text":"Yeah.","start":47.715,"end":48.035,"sentiment":"neutral","sentiment_score":0.0949651300907135},{"text":"That's okay.","start":48.035,"end":48.835,"sentiment":"neutral","sentiment_score":0.13979001343250275},{"text":"That's not a problem.","start":48.835,"end":49.875,"sentiment":"neutral","sentiment_score":0.2740847282111645},{"text":"I'll touch on the things that I need to, go through what we have to.","start":49.875,"end":52.995,"sentiment":"neutral","sentiment_score":0.1914502700169881}],"sentiment":"neutral","sentiment_score":0.18119508862495423,"num_words":25,"start":41.870003,"end":52.995},{"sentences":[{"text":"And then if we need to sort of reschedule and come back again, we can always do that.","start":52.995,"end":56.675,"sentiment":"neutral","sentiment_score":0.14429285004734993},{"text":"That's not a problem.","start":56.675,"end":57.815,"sentiment":"neutral","sentiment_score":0.10397207923233509},{"text":"Excellent.","start":58.54,"end":59.04,"sentiment":"positive","sentiment_score":0.49466073513031006},{"text":"Jessica, I do also send through a copy of your annual review documents to you to review as I'm going through things.","start":59.34,"end":65.1,"sentiment":"neutral","sentiment_score":0.2372161183844913},{"text":"Are you able to access your emails?","start":65.1,"end":66.94,"sentiment":"neutral","sentiment_score":0.06969233176537923}],"sentiment":"neutral","sentiment_score":0.1772004092255464,"num_words":52,"start":52.995,"end":66.94},{"sentences":[{"text":"If you can't, that's honestly okay.","start":66.94,"end":68.78,"sentiment":"neutral","sentiment_score":0.06511055864393711},{"text":"I can run through it, then you're able to look at it later.","start":68.78,"end":71.02,"sentiment":"neutral","sentiment_score":0.10605675440568191},{"text":"What's your preference?","start":71.02,"end":72.08,"sentiment":"neutral","sentiment_score":0.055653332422176995},{"text":"Beautiful.","start":77.185,"end":77.585,"sentiment":"positive","sentiment_score":0.5609007477760315},{"text":"I've sent it through there for you.","start":77.585,"end":79.34499,"sentiment":"positive","sentiment_score":0.38321185963494436}],"sentiment":"neutral","sentiment_score":0.17265816405415535,"num_words":30,"start":66.94,"end":79.34499},{"sentences":[{"text":"Fantastic.","start":79.34499,"end":79.84499,"sentiment":"positive","sentiment_score":0.519733190536499},{"text":"Now before we jump into the call, I do have to let you know we do record our calls moving forward for training and quality purposes.","start":81.34499,"end":86.950005,"sentiment":"neutral","sentiment_score":0.1952771945641591},{"text":"Are you happy for me to proceed with that?","start":86.950005,"end":88.89,"sentiment":"neutral","sentiment_score":0.3145536134640376},{"text":"Fantastic.","start":90.23,"end":90.73,"sentiment":"neutral","sentiment_score":0.22082217037677765},{"text":"And I just need to do security there with you as well.","start":90.87,"end":92.87,"sentiment":"neutral","sentiment_score":0.0413720558087031}],"sentiment":"neutral","sentiment_score":0.18663693082575894,"num_words":49,"start":79.34499,"end":92.87},{"sentences":[{"text":"We are discussing your personal information, so I'll confirm your full name, your date of birth, and address on file, if you could.","start":92.87,"end":98.41,"sentiment":"neutral","sentiment_score":0.02692220805455809},{"text":"Beautiful.","start":109.305,"end":109.784996,"sentiment":"positive","sentiment_score":0.6952319145202637},{"text":"Thank you so much for that.","start":109.784996,"end":111.485,"sentiment":"positive","sentiment_score":0.7741131087144216},{"text":"Jessica, are are you able to open up that email as of yet?","start":111.945,"end":116.060005,"sentiment":"neutral","sentiment_score":0.23946251777502206},{"text":"Does it come through, or did you want me just to start by running through the documents?","start":116.060005,"end":119.76,"sentiment":"neutral","sentiment_score":0.12816696723594384}],"sentiment":"neutral","sentiment_score":0.1875162087691327,"num_words":60,"start":92.87,"end":119.76},{"sentences":[{"text":"What's easier for yourself there?","start":119.82,"end":121.6,"sentiment":"neutral","sentiment_score":0.09136169850826263},{"text":"Run through?","start":125.82,"end":126.46,"sentiment":"neutral","sentiment_score":0.044576505199074745},{"text":"Yeah.","start":126.46,"end":126.700005,"sentiment":"neutral","sentiment_score":0.124548077583313},{"text":"That's fine.","start":126.700005,"end":127.5,"sentiment":"neutral","sentiment_score":0.20957311242818832},{"text":"You can always have a look at them later if you like.","start":127.5,"end":129.575,"sentiment":"neutral","sentiment_score":0.137051564330856}],"sentiment":"neutral","sentiment_score":0.12428520806133747,"num_words":22,"start":119.82,"end":129.575},{"sentences":[{"text":"All the documents I'll be going through are in there for you to review.","start":129.575,"end":132.875,"sentiment":"neutral","sentiment_score":0.11643876827188901},{"text":"Essentially, just to kinda start and look at your super balance to begin with.","start":133.815,"end":137.25499,"sentiment":"neutral","sentiment_score":0.09966029705745834},{"text":"So when we sort of did the last annual review there, your balance is sitting at a $150,419.56.","start":137.25499,"end":145.05,"sentiment":"neutral","sentiment_score":0.05946574111779531},{"text":"As of your super balance as of today's date, we're sitting here at a $170,322.64.","start":145.67,"end":153.375,"sentiment":"neutral","sentiment_score":0.1255677377184232},{"text":"So you see the balance has increased since you last sent your review, which is good.","start":153.375,"end":157.235,"sentiment":"neutral","sentiment_score":0.28818570729345083}],"sentiment":"neutral","sentiment_score":0.13753581347016544,"num_words":77,"start":129.575,"end":157.235},{"sentences":[{"text":"When we sort of look at how the investments have been performing overall, this year has been a little bit rough, a little bit up and down there.","start":158.25499,"end":165.69499,"sentiment":"neutral","sentiment_score":-0.12018107356769699},{"text":"And it looks like now there's no contributions going into your super at the moment.","start":165.69499,"end":169.67,"sentiment":"neutral","sentiment_score":-0.1605004275838534},{"text":"I've got down a note that says you're you're self employed.","start":169.67,"end":172.79,"sentiment":"neutral","sentiment_score":-0.03577409820123152},{"text":"Is that right?","start":172.79,"end":173.69,"sentiment":"neutral","sentiment_score":-0.01291282226641973},{"text":"Uh-huh.","start":178.23,"end":178.31,"sentiment":"neutral","sentiment_score":-0.018269769847393036}],"sentiment":"neutral","sentiment_score":-0.10729482397437096,"num_words":58,"start":158.25499,"end":178.31},{"sentences":[{"text":"That's okay.","start":178.31,"end":179.11,"sentiment":"neutral","sentiment_score":0.020048713311553},{"text":"That's understandable.","start":179.11,"end":179.93,"sentiment":"neutral","sentiment_score":0.01721765659749508},{"text":"No.","start":180.62999,"end":180.79,"sentiment":"neutral","sentiment_score":-0.08683978021144867},{"text":"That's we can talk more about that and sort of look at that for you.","start":180.79,"end":183.955,"sentiment":"neutral","sentiment_score":-0.02366287459929784},{"text":"It's not an issue.","start":183.955,"end":185.015,"sentiment":"neutral","sentiment_score":0.004344168119132519}],"sentiment":"neutral","sentiment_score":-0.014578061954428753,"num_words":24,"start":178.31,"end":185.015},{"sentences":[{"text":"But just sort of being open and honest with you, this year has been a little bit up and down with the markets.","start":185.63501,"end":190.115,"sentiment":"neutral","sentiment_score":-0.12041484742708829},{"text":"And because there isn't any contributions going in, it is essentially up to the portfolio to kind of make things work.","start":190.115,"end":196.44,"sentiment":"neutral","sentiment_score":0.011670742893502825},{"text":"You have been getting quite a bit of income.","start":196.68001,"end":198.76001,"sentiment":"neutral","sentiment_score":0.2525746143526501},{"text":"So income, when we break that down, is, like, dividends that are paid out of the investments and re reinvested back into the portfolio.","start":198.76001,"end":205.66,"sentiment":"neutral","sentiment_score":0.16018090986957154},{"text":"So you have made over $2,697 with income within the portfolio.","start":205.8,"end":211.025,"sentiment":"positive","sentiment_score":0.37011838365684857}],"sentiment":"neutral","sentiment_score":0.08709499654783444,"num_words":88,"start":185.63501,"end":211.025},{"sentences":[{"text":"So that is a good aspect there.","start":211.025,"end":212.885,"sentiment":"positive","sentiment_score":0.6229439122336251},{"text":"As per the return, overall, because the growth is showing down a little bit, you are under as showing a negative return to 0.54 percent for this year, but you still have had income which is being redistributed back.","start":213.665,"end":227.77,"sentiment":"neutral","sentiment_score":-0.16687760177331093},{"text":"So it is a good asset.","start":227.77,"end":228.99,"sentiment":"positive","sentiment_score":0.38156458735466003},{"text":"It's just that being open and honest, the portfolio is down a little bit currently.","start":229.21,"end":233.07,"sentiment":"neutral","sentiment_score":-0.14410728961229324},{"text":"A lot of it is just to do with the market ups and downs there at the moment.","start":233.45,"end":237.23,"sentiment":"neutral","sentiment_score":-0.17532488538159263}],"sentiment":"neutral","sentiment_score":-0.06089045694645713,"num_words":85,"start":211.025,"end":237.23},{"sentences":[{"text":"The other thing I sort of wanted to bring to the forefront there for you was we sent through an email to you around about March.","start":238.615,"end":244.695,"sentiment":"neutral","sentiment_score":0.011827450460539414},{"text":"Do you remember receiving a little record of advice in the email there and a bit of information around a certain investment?","start":244.695,"end":250.715,"sentiment":"neutral","sentiment_score":0.0074960457330400295},{"text":"That's okay.","start":254.73001,"end":255.71,"sentiment":"neutral","sentiment_score":0.0168886361643672},{"text":"Essentially, you originally had the Benelon Australian Equities investment within your portfolio, and that was a a more of an actively managed fund.","start":256.25,"end":264.27002,"sentiment":"neutral","sentiment_score":-0.0220595830646546},{"text":"That investment earlier this year had been underperforming a little bit.","start":264.695,"end":268.135,"sentiment":"neutral","sentiment_score":-0.21523896537043832}],"sentiment":"neutral","sentiment_score":-0.028199940942050444,"num_words":84,"start":238.615,"end":268.135},{"sentences":[{"text":"So we have made the change and moved that out of your portfolio, essentially.","start":268.135,"end":271.995,"sentiment":"neutral","sentiment_score":-0.009284705189721925},{"text":"As soon as our investment committee had looked at that and decide discovered it was underperforming, we made the switch there for you.","start":272.375,"end":278.375,"sentiment":"neutral","sentiment_score":-0.034926790663081665},{"text":"That all happened around about March this year.","start":278.375,"end":281.22,"sentiment":"neutral","sentiment_score":0.01769754383713007},{"text":"So it did mean that we swapped that out and replaced it with something else.","start":281.22,"end":284.92,"sentiment":"neutral","sentiment_score":0.007223575686415036},{"text":"We have replaced that with the BetaShares Australian 200 exchange traded funds.","start":285.14,"end":289.94,"sentiment":"neutral","sentiment_score":0.03610905849685272}],"sentiment":"neutral","sentiment_score":-0.003473046804881758,"num_words":72,"start":268.135,"end":289.94},{"sentences":[{"text":"So that's essentially giving you exposure to the top 200 companies on the ASX.","start":289.94,"end":294.28,"sentiment":"neutral","sentiment_score":0.06423009320029191},{"text":"And since doing that, your portfolio has shown a little bit of a recovery just in the Australian equities component side of things.","start":294.995,"end":302.755,"sentiment":"neutral","sentiment_score":0.054898537857377014},{"text":"So what I would probably like to do moving forward is just keep monitoring that, look at it for maybe another sort of six months, and then we come back and review those investments again and see if we need to maybe update or make any further changes.","start":302.755,"end":315.15002,"sentiment":"neutral","sentiment_score":0.09030555452530582},{"text":"Does that make sense?","start":315.29,"end":316.25,"sentiment":"neutral","sentiment_score":0.0900768544524908},{"text":"Do you have any questions around any of that at all?","start":316.25,"end":318.99002,"sentiment":"neutral","sentiment_score":0.014335091987794096}],"sentiment":"neutral","sentiment_score":0.07014547722414136,"num_words":100,"start":289.94,"end":318.99002},{"sentences":[{"text":"That's okay?","start":320.73,"end":321.55002,"sentiment":"neutral","sentiment_score":-0.05652236007153988},{"text":"Excellent.","start":324.435,"end":324.67502,"sentiment":"positive","sentiment_score":0.7012144327163696},{"text":"Beautiful.","start":324.67502,"end":325.17502,"sentiment":"positive","sentiment_score":0.7214890718460083},{"text":"You will have your portfolio performance report and, obviously, your updated balance within that email there.","start":325.715,"end":330.83502,"sentiment":"positive","sentiment_score":0.4695490263402462},{"text":"So if you find you do have additional questions, please let me know.","start":330.83502,"end":334.055,"sentiment":"neutral","sentiment_score":0.2031223326921463}],"sentiment":"positive","sentiment_score":0.34736465245033754,"num_words":33,"start":320.73,"end":334.055},{"sentences":[{"text":"When with the the sort of going back to the contribution side of things, you may have mentioned that you haven't been able to make contributions.","start":335.075,"end":341.96,"sentiment":"neutral","sentiment_score":-0.007792245811567857},{"text":"Is that something that you are able to and wanting to do moving forward, or is it still not possible to make those additional contributions to Super?","start":342.65997,"end":349.72,"sentiment":"neutral","sentiment_score":-0.04160565910515962},{"text":"Okay.","start":355.065,"end":355.565,"sentiment":"neutral","sentiment_score":-0.10382170975208282},{"text":"Okay.","start":359.70502,"end":360.20502,"sentiment":"neutral","sentiment_score":-0.034649841487407684},{"text":"Yeah.","start":360.505,"end":360.825,"sentiment":"neutral","sentiment_score":0.007342214696109295}],"sentiment":"neutral","sentiment_score":-0.026019295062204555,"num_words":56,"start":335.075,"end":360.825},{"sentences":[{"text":"That's okay.","start":360.825,"end":361.64502,"sentiment":"neutral","sentiment_score":0.06272545456886292},{"text":"Is that something you'd like to maybe review in six months when we come back and review the portfolio again?","start":361.785,"end":367.565,"sentiment":"neutral","sentiment_score":0.03028068719431758},{"text":"Yep.","start":369.31,"end":369.63,"sentiment":"neutral","sentiment_score":0.035998228937387466},{"text":"Yep.","start":369.63,"end":369.87,"sentiment":"neutral","sentiment_score":0.04819047451019287},{"text":"That's okay.","start":369.87,"end":370.77,"sentiment":"neutral","sentiment_score":0.09830090776085854}],"sentiment":"neutral","sentiment_score":0.0389175066151298,"num_words":26,"start":360.825,"end":370.77},{"sentences":[{"text":"Not a problem at all.","start":370.91,"end":371.94998,"sentiment":"neutral","sentiment_score":0.12517018020153045},{"text":"So I'll just note here, so six months review to talk about contributions in detail.","start":371.94998,"end":376.37,"sentiment":"neutral","sentiment_score":0.054728518302241964},{"text":"Fantastic.","start":377.06998,"end":377.56998,"sentiment":"positive","sentiment_score":0.36420994997024536},{"text":"And you've mentioned that you're self employed there as well.","start":377.87,"end":380.19,"sentiment":"neutral","sentiment_score":0.09920576214790344},{"text":"What do you do for work?","start":380.19,"end":381.22998,"sentiment":"neutral","sentiment_score":0.024700844349960487}],"sentiment":"neutral","sentiment_score":0.0797635490024412,"num_words":37,"start":370.91,"end":381.22998},{"sentences":[{"text":"What is your business?","start":381.22998,"end":382.28998,"sentiment":"neutral","sentiment_score":0.011972826439887285},{"text":"Oh, yep.","start":382.365,"end":386.705,"sentiment":"neutral","sentiment_score":0.004062568303197622},{"text":"Beautiful.","start":388.76498,"end":389.26498,"sentiment":"positive","sentiment_score":0.3601462244987488},{"text":"Beautiful.","start":390.44498,"end":390.60498,"sentiment":"positive","sentiment_score":0.417227566242218},{"text":"Fantastic.","start":390.60498,"end":391.10498,"sentiment":"positive","sentiment_score":0.3487216532230377}],"sentiment":"neutral","sentiment_score":0.1313457651477721,"num_words":9,"start":381.22998,"end":391.10498},{"sentences":[{"text":"And how many hours are you roughly working on a weekly basis?","start":391.565,"end":394.60498,"sentiment":"neutral","sentiment_score":0.03985745087265968},{"text":"Is it sort of standard every week the same sort of hours, or does it Yeah.","start":394.60498,"end":407.35,"sentiment":"neutral","sentiment_score":0.005477842001710087},{"text":"Yeah.","start":407.41,"end":407.91,"sentiment":"neutral","sentiment_score":0.008579730987548828},{"text":"Okay.","start":413.335,"end":413.735,"sentiment":"neutral","sentiment_score":0.03772277012467384},{"text":"Beautiful.","start":413.735,"end":414.235,"sentiment":"neutral","sentiment_score":0.11818497627973557}],"sentiment":"neutral","sentiment_score":0.023562011609394706,"num_words":31,"start":391.565,"end":414.235},{"sentences":[{"text":"Yes.","start":421.01498,"end":421.51498,"sentiment":"neutral","sentiment_score":0.01467718742787838},{"text":"Yep.","start":428.615,"end":429.115,"sentiment":"neutral","sentiment_score":0.007716981694102287},{"text":"Yep.","start":429.94998,"end":430.44998,"sentiment":"neutral","sentiment_score":-0.00029657286358997226},{"text":"No.","start":431.31,"end":431.71,"sentiment":"neutral","sentiment_score":0.09194188565015791},{"text":"That's okay.","start":431.71,"end":432.59,"sentiment":"neutral","sentiment_score":0.2699822634458542}],"sentiment":"neutral","sentiment_score":0.10900066813337617,"num_words":6,"start":421.01498,"end":432.59},{"sentences":[{"text":"That's not a problem at all.","start":432.59,"end":433.94998,"sentiment":"positive","sentiment_score":0.5721321403980255},{"text":"It sounds like you've got your hands full with working and kids as well.","start":433.94998,"end":437.33,"sentiment":"positive","sentiment_score":0.551586532167026},{"text":"All good.","start":439.87,"end":440.53,"sentiment":"positive","sentiment_score":0.6026725769042969},{"text":"I'm just confirming here that you are married as well.","start":440.75,"end":443.22998,"sentiment":"neutral","sentiment_score":0.24440988898277283},{"text":"Is that correct?","start":443.22998,"end":444.13,"sentiment":"neutral","sentiment_score":0.13983365396658579}],"sentiment":"positive","sentiment_score":0.4349699799503599,"num_words":35,"start":432.59,"end":444.13},{"sentences":[{"text":"Yep.","start":445.545,"end":446.025,"sentiment":"neutral","sentiment_score":0.19179700314998627},{"text":"Beautiful.","start":446.025,"end":446.525,"sentiment":"positive","sentiment_score":0.5395568609237671},{"text":"Excellent.","start":446.585,"end":447.085,"sentiment":"positive","sentiment_score":0.5533969402313232},{"text":"And just running down the page to add a few additional details there for you.","start":447.145,"end":450.745,"sentiment":"neutral","sentiment_score":0.2073200354973475},{"text":"Income wise, what do you expect to sort of earn this financial year?","start":450.745,"end":454.105,"sentiment":"neutral","sentiment_score":0.056029076473071024}],"sentiment":"neutral","sentiment_score":0.16525578486823267,"num_words":31,"start":445.545,"end":454.105},{"sentences":[{"text":"Do you know?","start":454.105,"end":454.845,"sentiment":"neutral","sentiment_score":0.02025831863284111},{"text":"Yeah.","start":459.16,"end":459.4,"sentiment":"neutral","sentiment_score":0.03482078015804291},{"text":"Just for yourself.","start":459.4,"end":460.28,"sentiment":"neutral","sentiment_score":0.03788708088298639},{"text":"Yeah.","start":460.28,"end":460.78,"sentiment":"neutral","sentiment_score":0.036140136420726776},{"text":"Okay.","start":467.48,"end":467.98,"sentiment":"neutral","sentiment_score":0.14935791492462158}],"sentiment":"neutral","sentiment_score":0.043861670005652637,"num_words":9,"start":454.105,"end":467.98},{"sentences":[{"text":"Beautiful.","start":468.12,"end":468.62,"sentiment":"positive","sentiment_score":0.3515932261943817},{"text":"Fantastic.","start":470.12,"end":470.62,"sentiment":"positive","sentiment_score":0.59734046459198},{"text":"Excellent.","start":471.16,"end":471.66,"sentiment":"positive","sentiment_score":0.5417172908782959},{"text":"I'll just make a note here that we'll revisit contributions down the track there.","start":472.105,"end":475.465,"sentiment":"neutral","sentiment_score":0.28677483967372347},{"text":"That's not a problem at all.","start":475.465,"end":477.08502,"sentiment":"neutral","sentiment_score":0.31647244095802307}],"sentiment":"neutral","sentiment_score":0.32192753838456195,"num_words":23,"start":468.12,"end":477.08502},{"sentences":[{"text":"Excellent.","start":477.86502,"end":478.36502,"sentiment":"neutral","sentiment_score":0.22567224502563477},{"text":"Now the other thing to sort of talk about is the insurances that you do have.","start":478.58502,"end":482.025,"sentiment":"neutral","sentiment_score":0.039058835012838244},{"text":"So at the moment, you've got your life and TPD cover.","start":482.025,"end":485.005,"sentiment":"neutral","sentiment_score":0.03509593230079521},{"text":"That's through BP Life.","start":485.31,"end":486.85,"sentiment":"neutral","sentiment_score":0.043839696794748306},{"text":"The current sum insured for your life cover that you've got is 1,273,084.","start":487.23,"end":493.89,"sentiment":"neutral","sentiment_score":0.04165571168638193}],"sentiment":"neutral","sentiment_score":0.04341226443648338,"num_words":45,"start":477.86502,"end":493.89},{"sentences":[{"text":"If you think about the level of cover you have at the moment, if you were to and I do do apologize.","start":494.43,"end":499.115,"sentiment":"neutral","sentiment_score":-0.03999879253520207},{"text":"I try to be sensitive to this, but hypothetically, with the cover you have today, if you were to pass away today, your life benefit is paid out, but then your super benefit is paid out on top of that.","start":499.115,"end":510.07498,"sentiment":"neutral","sentiment_score":-0.028473681909963487},{"text":"So it's an extra $170,322.64 there.","start":510.07498,"end":515.14,"sentiment":"neutral","sentiment_score":0.053952550515532494},{"text":"It essentially shows that overall your life benefit, you're you're insured for 1,400,000 or a little over 1,400,000 there.","start":515.28,"end":523.22003,"sentiment":"neutral","sentiment_score":0.03608653194418079},{"text":"Do you feel that that's fairly appropriate level of cover that you might have?","start":523.52,"end":526.8,"sentiment":"neutral","sentiment_score":0.013386998458632402}],"sentiment":"neutral","sentiment_score":-0.008140032908113876,"num_words":101,"start":494.43,"end":526.8},{"sentences":[{"text":"Did you wanna look at reviewing that at all?","start":526.8,"end":528.915,"sentiment":"neutral","sentiment_score":-0.0004470327662097085},{"text":"Ever had?","start":540.27496,"end":541.175,"sentiment":"neutral","sentiment_score":-0.06135301850736141},{"text":"Yeah.","start":541.235,"end":541.735,"sentiment":"neutral","sentiment_score":-0.04834478348493576},{"text":"That's okay.","start":543.12,"end":543.94,"sentiment":"neutral","sentiment_score":-0.10637284070253372},{"text":"Yeah.","start":548.39996,"end":548.8,"sentiment":"neutral","sentiment_score":0.28210586309432983}],"sentiment":"neutral","sentiment_score":-0.007047595580418905,"num_words":15,"start":526.8,"end":548.8},{"sentences":[{"text":"That's okay.","start":548.8,"end":549.44,"sentiment":"positive","sentiment_score":0.48495472967624664},{"text":"That's absolutely fine.","start":549.44,"end":550.48,"sentiment":"positive","sentiment_score":0.6741368969281515},{"text":"So let's have a look at what it is that you would realistically like to cover.","start":550.48,"end":553.76,"sentiment":"neutral","sentiment_score":0.07312708673998713},{"text":"So I believe I've got your mortgage here as well.","start":553.76,"end":556.575,"sentiment":"neutral","sentiment_score":0.05674591027200222},{"text":"How much do you owe on your mortgage currently?","start":556.575,"end":558.675,"sentiment":"neutral","sentiment_score":-0.015581987591253387}],"sentiment":"neutral","sentiment_score":0.1147393688093871,"num_words":40,"start":548.8,"end":558.675},{"sentences":[{"text":"Okay.","start":566.255,"end":566.735,"sentiment":"neutral","sentiment_score":0.10473962873220444},{"text":"Beautiful.","start":566.735,"end":567.235,"sentiment":"positive","sentiment_score":0.5469862222671509},{"text":"So if we looked at the level of cover you have, if in the event that you were to pass away, are you wanting the mortgage to be covered, or what sort of debts are you wanting to sort of have paid?","start":568.17,"end":578.19,"sentiment":"neutral","sentiment_score":-0.013026511917511622},{"text":"Yeah.","start":582.33,"end":582.73,"sentiment":"neutral","sentiment_score":0.02292577549815178},{"text":"Well, if you looked at that and say, just base it on 800,000, because you said you owe just a little bit under that at the moment, if you take that 1,400,000, subtract off the 800,000, it essentially leaves around about 643,000 there.","start":582.73,"end":597.52496,"sentiment":"neutral","sentiment_score":-0.025351094450195167}],"sentiment":"neutral","sentiment_score":-0.010938169720413332,"num_words":88,"start":566.255,"end":597.52496},{"sentences":[{"text":"Now in the event of claiming on life cover, are you wanting those funds to be paid out to your husband so that he can be looking after your kids and your family?","start":598.37,"end":606.53,"sentiment":"neutral","sentiment_score":-0.04891077406478651},{"text":"Is that kind of what you're wanting to happen to those funds?","start":606.53,"end":609.19,"sentiment":"neutral","sentiment_score":-0.11014004051685333},{"text":"Yeah.","start":611.41003,"end":611.81,"sentiment":"neutral","sentiment_score":-0.007158301770687103},{"text":"That's okay.","start":611.81,"end":612.63,"sentiment":"neutral","sentiment_score":0.03849174454808235},{"text":"And if we look at your income, say, based that on because, realistically, you guys live as a family in a household with a joint income and expenditures are all sort of based on that.","start":613.105,"end":622.625,"sentiment":"neutral","sentiment_score":-0.0172211262264422}],"sentiment":"neutral","sentiment_score":-0.04179096699927945,"num_words":83,"start":598.37,"end":622.625},{"sentences":[{"text":"So if you then took that 643,000 and you divide that by your expected income of 80,000, it would essentially mean that if you passed away today with the life cover that would pay out the mortgage free and clear, leave him debt debt free so they could live in the house comfortably, and then replace your current income for an additional eight years on top of that.","start":622.625,"end":643.095,"sentiment":"neutral","sentiment_score":-0.03165934078724069},{"text":"Do you feel like at the moment that would provide sufficient cover to give him some time off to think about what to do to cover the mortgage and look after the kids for a couple of years, or what how do you feel?","start":643.33496,"end":654.795,"sentiment":"neutral","sentiment_score":-0.09907997721298174},{"text":"Yep.","start":661.58997,"end":661.99,"sentiment":"neutral","sentiment_score":0.09060823917388916},{"text":"Yep.","start":661.99,"end":662.31,"sentiment":"neutral","sentiment_score":0.09745701402425766},{"text":"So that would just provide additional support for him, basically.","start":662.31,"end":665.61,"sentiment":"neutral","sentiment_score":0.184634767472744}],"sentiment":"neutral","sentiment_score":-0.03611242937885465,"num_words":124,"start":622.625,"end":665.61},{"sentences":[{"text":"Yeah.","start":665.99,"end":666.49,"sentiment":"neutral","sentiment_score":0.160925954580307},{"text":"Yep.","start":666.63,"end":667.13,"sentiment":"neutral","sentiment_score":0.2866954207420349},{"text":"Beautiful.","start":667.67,"end":668.17,"sentiment":"positive","sentiment_score":0.652265191078186},{"text":"The other side to look at that is that once our mortgage is completely free and clear, if you guys are paying, you know, 6 or $700 on a weekly basis for the mortgage, having that life benefit paid out clearing the mortgage means it's an extra 6 or $700 that he actually doesn't have to worry about after that point.","start":668.675,"end":685.21,"sentiment":"neutral","sentiment_score":0.24791339284083883},{"text":"So that could essentially mean that your income or, you know, the the money left over to cover your income could actually last ten or eleven or twelve years.","start":685.21,"end":694.97003,"sentiment":"neutral","sentiment_score":0.2571792905700618}],"sentiment":"neutral","sentiment_score":0.2546322898518655,"num_words":93,"start":665.99,"end":694.97003},{"sentences":[{"text":"It could actually go further than that.","start":694.97003,"end":696.825,"sentiment":"neutral","sentiment_score":0.21828105194228037},{"text":"So because expenditure would decrease with not having a mortgage repayment to worry about.","start":697.065,"end":701.865,"sentiment":"neutral","sentiment_score":0.1202995665371418},{"text":"So, yeah, I mean, that's something for you to definitely think about, but you're comfortable with that level of cover at the moment.","start":701.865,"end":708.125,"sentiment":"neutral","sentiment_score":0.09482057910898457},{"text":"Yeah.","start":710.025,"end":710.525,"sentiment":"neutral","sentiment_score":0.06618373095989227},{"text":"That's that's okay.","start":710.745,"end":712.67004,"sentiment":"neutral","sentiment_score":0.14370349794626236}],"sentiment":"neutral","sentiment_score":0.12271518415460984,"num_words":48,"start":694.97003,"end":712.67004},{"sentences":[{"text":"What I would probably suggest to do is we've got we'll do a review in about six months just to catch up and see how things are going.","start":712.67004,"end":718.75,"sentiment":"neutral","sentiment_score":0.07227053652916636},{"text":"We can always go back over the level of cover in the time between now and then.","start":718.75,"end":722.83,"sentiment":"neutral","sentiment_score":0.0525165410602794},{"text":"If you are sort of thinking about it and mulling it over, just sort of looking at what you might like that to cover.","start":722.83,"end":727.735,"sentiment":"neutral","sentiment_score":0.06524827967708309},{"text":"Then when we kinda catch up, if you wanted to reevaluate it or, you know, look deeper at it, we can absolutely do that.","start":728.13495,"end":733.975,"sentiment":"neutral","sentiment_score":0.1380820336441199},{"text":"Does that sound okay?","start":733.975,"end":735.115,"sentiment":"neutral","sentiment_score":0.12112084776163101}],"sentiment":"neutral","sentiment_score":0.08536873331543096,"num_words":97,"start":712.67004,"end":735.115},{"sentences":[{"text":"Yep.","start":736.45496,"end":736.95496,"sentiment":"neutral","sentiment_score":0.150440514087677},{"text":"Beautiful.","start":737.01495,"end":737.51495,"sentiment":"positive","sentiment_score":0.6059778332710266},{"text":"Excellent.","start":737.89496,"end":738.375,"sentiment":"positive","sentiment_score":0.6197444200515747},{"text":"Now you've got the same level of TBD, so it's total permanent disability cover.","start":738.375,"end":742.81,"sentiment":"neutral","sentiment_score":0.20272964877741678},{"text":"Do you understand how TPD works, what it pays, what the benefit is?","start":742.81,"end":747.23,"sentiment":"neutral","sentiment_score":0.05961417406797409}],"sentiment":"neutral","sentiment_score":0.16631207043925922,"num_words":30,"start":736.45496,"end":747.23},{"sentences":[{"text":"That's okay.","start":750.97,"end":751.87,"sentiment":"neutral","sentiment_score":0.12193331867456436},{"text":"So TPD is total permanent disability cover, and it pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again.","start":752.00995,"end":760.685,"sentiment":"neutral","sentiment_score":0.09695700149644505},{"text":"Essentially, for TPD, your level of cover is the same as your life, so you're 1,200,000 there.","start":761.305,"end":767.25,"sentiment":"neutral","sentiment_score":0.11487106190008275},{"text":"And then under permanent capacity, we can also claim against your super as well if you are TBD.","start":767.49,"end":773.11,"sentiment":"neutral","sentiment_score":0.04604163558946715},{"text":"You know, based on sort of what you do for work and everything, do you feel like that TBD benefit that you have at the moment is fairly sufficient for you?","start":774.69,"end":782.47,"sentiment":"neutral","sentiment_score":0.1535646086258273}],"sentiment":"neutral","sentiment_score":0.10876740640637898,"num_words":101,"start":750.97,"end":782.47},{"sentences":[{"text":"Yeah.","start":785.145,"end":785.545,"sentiment":"neutral","sentiment_score":0.06697060167789459},{"text":"Absolutely.","start":785.545,"end":786.045,"sentiment":"neutral","sentiment_score":0.08270786702632904},{"text":"Now you don't have any income protection or trauma cover.","start":786.985,"end":789.865,"sentiment":"neutral","sentiment_score":-0.16244687661528587},{"text":"Has anyone ever spoken to you about what those additional types of insurances are, how they pay, how they work?","start":789.865,"end":795.965,"sentiment":"neutral","sentiment_score":-0.06771710701286793},{"text":"That's okay.","start":799.97,"end":800.79,"sentiment":"neutral","sentiment_score":0.05760197713971138}],"sentiment":"neutral","sentiment_score":-0.07982142598313444,"num_words":34,"start":785.145,"end":800.79},{"sentences":[{"text":"So we'll start with income protection.","start":801.49,"end":803.33,"sentiment":"neutral","sentiment_score":0.04514274684091409},{"text":"So income protection, if you have it, essentially pays out like a lump sum a monthly lump sum benefit for you, which is in the shortest term to cover expenditure.","start":803.33,"end":813.635,"sentiment":"neutral","sentiment_score":0.045115487401684126},{"text":"With income protection, you can't cover a 100% of your income.","start":814.175,"end":817.29504,"sentiment":"neutral","sentiment_score":-0.040388498793948784},{"text":"They have a maximum 70% of your income that you're able to cover under the current legislation around that side of thing.","start":817.29504,"end":824.195,"sentiment":"neutral","sentiment_score":0.05725514668632637},{"text":"It pays out a just an income stream, a regular income stream on a monthly basis to cover your income if you're unable to go to work in the short term.","start":824.68005,"end":832.68005,"sentiment":"neutral","sentiment_score":-0.006186541770735095}],"sentiment":"neutral","sentiment_score":0.02247878048568964,"num_words":100,"start":801.49,"end":832.68005},{"sentences":[{"text":"So say, for example, you broke your leg and weren't able to, you know, go in and do any of your work.","start":832.68005,"end":837.72003,"sentiment":"neutral","sentiment_score":-0.13389624722979285},{"text":"You if you were off for a certain period of time, you could then claim on the income protection side of things.","start":837.72003,"end":842.435,"sentiment":"neutral","sentiment_score":-0.05535223436626521},{"text":"When you think about your spouse's income, if you were not able to work in the short term, does his income come in does that cover all of your expenses if you weren't able to earn an income as well?","start":842.735,"end":854.91,"sentiment":"neutral","sentiment_score":-0.0910552383553295},{"text":"Yeah.","start":861.31,"end":861.70996,"sentiment":"neutral","sentiment_score":-0.032122690230607986},{"text":"Yeah.","start":861.70996,"end":862.02997,"sentiment":"neutral","sentiment_score":-0.027791505679488186}],"sentiment":"neutral","sentiment_score":-0.09146035261902968,"num_words":86,"start":832.68005,"end":862.02997},{"sentences":[{"text":"Definitely something to think about.","start":862.02997,"end":863.81,"sentiment":"neutral","sentiment_score":-0.07899257689714431},{"text":"Generally speaking, with income protection, it is a larger cost of your insurances.","start":864.19,"end":868.12994,"sentiment":"neutral","sentiment_score":-0.18457545397373346},{"text":"We could look at that down the track if you did want to.","start":869.135,"end":871.875,"sentiment":"neutral","sentiment_score":0.052166517537373766},{"text":"It might be worth having a bit of a think about that, you know, with him, look at his income coming in and look at the expenses going out to sort of work out that if you weren't able to go to work, you know, if you were off sick due to illness or injury, you know, would you have enough to sort of fall back on?","start":872.175,"end":886.33,"sentiment":"neutral","sentiment_score":0.0017838176173060687},{"text":"Do you guys have anything in the way of savings or anything in the offset account or anything sick leave or annually that you could sort of fall back on?","start":886.33,"end":894.49,"sentiment":"neutral","sentiment_score":-0.029929435128966966}],"sentiment":"neutral","sentiment_score":-0.02261442446615547,"num_words":128,"start":862.02997,"end":894.49},{"sentences":[{"text":"I know you're self employed, so you probably don't have a lot of leave entitlement there.","start":894.49,"end":898.495,"sentiment":"neutral","sentiment_score":-0.04210904974024743},{"text":"But do you have anything else that you could fall back on if you were not able to work in the short term?","start":898.495,"end":903.235,"sentiment":"neutral","sentiment_score":-0.06385768067253672},{"text":"Yep.","start":904.095,"end":904.595,"sentiment":"neutral","sentiment_score":0.04796016216278076},{"text":"Yep.","start":908.65497,"end":909.055,"sentiment":"neutral","sentiment_score":0.07191343605518341},{"text":"Do you see?","start":909.055,"end":909.875,"sentiment":"neutral","sentiment_score":0.018325018386046093}],"sentiment":"neutral","sentiment_score":-0.04471869995309548,"num_words":44,"start":894.49,"end":909.875},{"sentences":[{"text":"Yeah.","start":915.47003,"end":915.95,"sentiment":"neutral","sentiment_score":0.062208835035562515},{"text":"Understandable.","start":915.95,"end":916.45,"sentiment":"neutral","sentiment_score":0.0881454199552536},{"text":"Understandable.","start":917.23004,"end":917.73004,"sentiment":"neutral","sentiment_score":0.09948646277189256},{"text":"No.","start":918.19,"end":918.43,"sentiment":"neutral","sentiment_score":-0.06584949791431427},{"text":"That's absolutely okay.","start":918.43,"end":919.73004,"sentiment":"neutral","sentiment_score":-0.02453544984261195}],"sentiment":"neutral","sentiment_score":0.01576926718865122,"num_words":7,"start":915.47003,"end":919.73004},{"sentences":[{"text":"Do you feel like at the moment you're comfortable with the way things are not having income protection, or did you wanna look at maybe applying for some and looking at whether income protection benefit could be appropriate to you?","start":919.95,"end":931.205,"sentiment":"neutral","sentiment_score":-0.09501318270340561},{"text":"We can re yeah.","start":934.305,"end":937.985,"sentiment":"neutral","sentiment_score":-0.06572178332135081},{"text":"In six Yeah.","start":937.985,"end":939.905,"sentiment":"neutral","sentiment_score":0.04443159761528174},{"text":"Absolutely.","start":939.905,"end":940.405,"sentiment":"neutral","sentiment_score":0.23161889612674713},{"text":"Essentially, it's just sort of giving you food for thought as well.","start":941.025,"end":943.57,"sentiment":"neutral","sentiment_score":0.2785580965379874}],"sentiment":"neutral","sentiment_score":-0.005930059899886449,"num_words":60,"start":919.95,"end":943.57},{"sentences":[{"text":"So today, we don't have to kinda go any further, but it's kinda giving you something to sort of think about whilst you are sort of at home, looking at your family, making sure that things are covered.","start":943.57,"end":952.21,"sentiment":"neutral","sentiment_score":0.2398027758065023},{"text":"And then when we review things in six months, we can always come back and do additional advice.","start":952.21,"end":956.61,"sentiment":"neutral","sentiment_score":0.18899463365475336},{"text":"If you decide you wanna catch up prior to that six months, you just let me know.","start":956.61,"end":960.095,"sentiment":"neutral","sentiment_score":0.18788926215732799},{"text":"We'll make that happen for you.","start":960.095,"end":961.45496,"sentiment":"positive","sentiment_score":0.34242679675420123},{"text":"It's not a problem.","start":961.45496,"end":962.435,"sentiment":"positive","sentiment_score":0.4059811010956764}],"sentiment":"neutral","sentiment_score":0.2335784521447607,"num_words":83,"start":943.57,"end":962.435},{"sentences":[{"text":"Okay?","start":962.57495,"end":963.07495,"sentiment":"neutral","sentiment_score":0.30699577927589417},{"text":"Excellent.","start":964.01495,"end":964.51495,"sentiment":"positive","sentiment_score":0.7540636658668518},{"text":"Beautiful.","start":964.65497,"end":965.15497,"sentiment":"positive","sentiment_score":0.7103694677352905},{"text":"Now there are other types of cover for you to think about as well.","start":965.45496,"end":968.495,"sentiment":"neutral","sentiment_score":0.09587067418864795},{"text":"There are things like trauma and child trauma, which can pay out a lump sum tax free benefit if you were to be diagnosed with a major traumatic condition.","start":968.495,"end":976.91003,"sentiment":"neutral","sentiment_score":0.02114413251522286}],"sentiment":"neutral","sentiment_score":0.08101735205349067,"num_words":46,"start":962.57495,"end":976.91003},{"sentences":[{"text":"And child trauma pays that if your child is diagnosed with a major traumatic condition.","start":977.45,"end":982.73004,"sentiment":"neutral","sentiment_score":-0.023268717154860497},{"text":"I think cancer is probably one of the biggest ones that people claim on.","start":982.73004,"end":986.085,"sentiment":"neutral","sentiment_score":-0.060560927859374454},{"text":"Or in the sad event that your child passes away, child trauma also pays out as a life insurance policy.","start":986.645,"end":992.745,"sentiment":"neutral","sentiment_score":-0.05013867383822799},{"text":"Some people do like to take out additional insurances to cover in the event of those sorts of things.","start":993.28503,"end":997.84503,"sentiment":"neutral","sentiment_score":-0.008181136003450343},{"text":"Other people, not so much.","start":997.84503,"end":999.465,"sentiment":"neutral","sentiment_score":-0.019246657378971577}],"sentiment":"neutral","sentiment_score":-0.033579891713412656,"num_words":73,"start":977.45,"end":999.465},{"sentences":[{"text":"The income protection can be held inside super the same as your life and TPD can.","start":1000.57996,"end":1006.19995,"sentiment":"neutral","sentiment_score":-0.003404792514629662},{"text":"However, the trauma policies and child trauma policies, they are an external expense, so it does have to be paid out of your back pocket.","start":1006.57996,"end":1014.095,"sentiment":"neutral","sentiment_score":-0.15096031725406647},{"text":"So a lot of people don't have those sorts of covers because they just can't afford to pay the premiums out of the back pocket.","start":1014.095,"end":1019.795,"sentiment":"neutral","sentiment_score":-0.1776455181837082},{"text":"But it is something to sort of think about.","start":1020.65497,"end":1022.495,"sentiment":"neutral","sentiment_score":0.029247266964779958},{"text":"And if you wanna sit down the track and look at reviewing those sorts of covers, you're welcome to let me know, and I'll make a note to touch notes for you then as well.","start":1022.495,"end":1030.08,"sentiment":"neutral","sentiment_score":0.11399159899779729}],"sentiment":"neutral","sentiment_score":-0.03651537453247742,"num_words":110,"start":1000.57996,"end":1030.08},{"sentences":[{"text":"How does that sound?","start":1030.08,"end":1031.22,"sentiment":"neutral","sentiment_score":0.07696307729929686},{"text":"Yep.","start":1031.6,"end":1032.1,"sentiment":"neutral","sentiment_score":0.03602820634841919},{"text":"Fantastic.","start":1033.12,"end":1033.62,"sentiment":"neutral","sentiment_score":0.2944765090942383},{"text":"Just touching there on your other assets and liabilities.","start":1034.96,"end":1038.5,"sentiment":"neutral","sentiment_score":0.09402131040891011},{"text":"With your main primary residence there currently, what kind of value would you put on that, do you think?","start":1038.6399,"end":1043.175,"sentiment":"neutral","sentiment_score":0.03389162320251528}],"sentiment":"neutral","sentiment_score":0.06260263703434783,"num_words":34,"start":1030.08,"end":1043.175},{"sentences":[{"text":"Yeah.","start":1045.5751,"end":1046.0751,"sentiment":"neutral","sentiment_score":0.013944683596491814},{"text":"2.5?","start":1055.175,"end":1056.2151,"sentiment":"neutral","sentiment_score":0.0097213638946414},{"text":"Yeah.","start":1056.2151,"end":1056.535,"sentiment":"neutral","sentiment_score":0.049025774002075195},{"text":"Beautiful.","start":1056.535,"end":1057.035,"sentiment":"positive","sentiment_score":0.3875479698181152},{"text":"Excellent.","start":1058.72,"end":1059.22,"sentiment":"positive","sentiment_score":0.35714882612228394}],"sentiment":"neutral","sentiment_score":0.16347772348672152,"num_words":5,"start":1045.5751,"end":1059.22},{"sentences":[{"text":"And you said you've got some savings there as well.","start":1060.08,"end":1062.98,"sentiment":"neutral","sentiment_score":0.11569726392626763},{"text":"How much do you guys have in savings?","start":1063.36,"end":1065.1399,"sentiment":"neutral","sentiment_score":0.030291186412796378},{"text":"No.","start":1072.155,"end":1072.395,"sentiment":"neutral","sentiment_score":-0.06895942986011505},{"text":"That's okay.","start":1072.395,"end":1072.875,"sentiment":"neutral","sentiment_score":-0.04032818228006363},{"text":"Just a rough amount.","start":1072.875,"end":1074.015,"sentiment":"neutral","sentiment_score":-0.035431557800620794}],"sentiment":"neutral","sentiment_score":0.04431840419769287,"num_words":25,"start":1060.08,"end":1074.015},{"sentences":[{"text":"That's okay.","start":1081.8351,"end":1082.5751,"sentiment":"neutral","sentiment_score":0.013521201442927122},{"text":"Okay.","start":1086.7151,"end":1087.2151,"sentiment":"neutral","sentiment_score":0.04045943915843963},{"text":"Beautiful.","start":1087.5599,"end":1088.0599,"sentiment":"neutral","sentiment_score":0.1977943629026413},{"text":"And is that sitting in, like, an offset account offsetting the interest you're paying on your mortgage or in just a normal savings account?","start":1088.2,"end":1093.98,"sentiment":"neutral","sentiment_score":0.0518150560092181},{"text":"Yep.","start":1100.5199,"end":1100.715,"sentiment":"neutral","sentiment_score":0.043719761073589325}],"sentiment":"neutral","sentiment_score":0.053537148629026164,"num_words":29,"start":1081.8351,"end":1100.715},{"sentences":[{"text":"Yeah.","start":1101.6749,"end":1101.9149,"sentiment":"neutral","sentiment_score":0.11167827993631364},{"text":"That's okay.","start":1101.9149,"end":1102.715,"sentiment":"neutral","sentiment_score":0.2004820927977562},{"text":"No problem.","start":1102.715,"end":1103.355,"sentiment":"neutral","sentiment_score":0.12574688345193863},{"text":"But also some in the offset.","start":1103.355,"end":1104.735,"sentiment":"neutral","sentiment_score":0.03903815026084582},{"text":"Fantastic.","start":1104.7949,"end":1105.2949,"sentiment":"positive","sentiment_score":0.5987247228622437}],"sentiment":"neutral","sentiment_score":0.13309082140525183,"num_words":12,"start":1101.6749,"end":1105.2949},{"sentences":[{"text":"Other assets to note down as well, things like your cars.","start":1106.475,"end":1109.615,"sentiment":"neutral","sentiment_score":0.11242706870490854},{"text":"What kind of car do you drive?","start":1109.995,"end":1111.455,"sentiment":"neutral","sentiment_score":0.02286352070846728},{"text":"Beautiful.","start":1115.355,"end":1115.855,"sentiment":"positive","sentiment_score":0.638946533203125},{"text":"Beautiful.","start":1116.48,"end":1116.7999,"sentiment":"positive","sentiment_score":0.6827348470687866},{"text":"Fantastic.","start":1116.7999,"end":1116.96,"sentiment":"positive","sentiment_score":0.6205267906188965}],"sentiment":"neutral","sentiment_score":0.1589976462668606,"num_words":21,"start":1106.475,"end":1116.96},{"sentences":[{"text":"And what sort of value would you put on that vehicle, do you think?","start":1116.96,"end":1119.86,"sentiment":"neutral","sentiment_score":0.0957984873758895},{"text":"That's okay.","start":1124.32,"end":1125.2999,"sentiment":"neutral","sentiment_score":0.032016849145293236},{"text":"Not a problem.","start":1125.9199,"end":1126.64,"sentiment":"neutral","sentiment_score":0.0830829565723737},{"text":"I think last time we were able to sort of touch base, the the value was about 40,000.","start":1126.64,"end":1132.055,"sentiment":"neutral","sentiment_score":0.03218422980151243},{"text":"Do you think maybe sort of 30 or 20 might be appropriate or more close to 40 still?","start":1132.115,"end":1137.5751,"sentiment":"neutral","sentiment_score":0.004355728005369504}],"sentiment":"neutral","sentiment_score":0.042039647850800645,"num_words":55,"start":1116.96,"end":1137.5751},{"sentences":[{"text":"Yeah.","start":1142.915,"end":1143.415,"sentiment":"neutral","sentiment_score":-0.03231244906783104},{"text":"Yeah.","start":1144.115,"end":1144.5951,"sentiment":"neutral","sentiment_score":0.027618970721960068},{"text":"That's okay.","start":1144.5951,"end":1145.61,"sentiment":"neutral","sentiment_score":0.0837964303791523},{"text":"Not a problem at all.","start":1145.61,"end":1146.91,"sentiment":"neutral","sentiment_score":0.11991111934185028},{"text":"And the only other thing I had noted here originally was a car loan owing about 45,000.","start":1147.6901,"end":1153.13,"sentiment":"neutral","sentiment_score":0.012898807167349494}],"sentiment":"neutral","sentiment_score":0.03775902696025486,"num_words":26,"start":1142.915,"end":1153.13},{"sentences":[{"text":"Do you still have a car loan at all?","start":1153.13,"end":1155.15,"sentiment":"neutral","sentiment_score":-0.008422018856638007},{"text":"Nope.","start":1158.25,"end":1158.49,"sentiment":"neutral","sentiment_score":-0.06458553671836853},{"text":"That's okay.","start":1158.49,"end":1159.275,"sentiment":"neutral","sentiment_score":-0.026549555361270905},{"text":"Beautiful.","start":1160.475,"end":1160.975,"sentiment":"neutral","sentiment_score":0.17509222030639648},{"text":"Is there any other assets or liabilities that you'd sorta wanna note down?","start":1161.115,"end":1164.635,"sentiment":"neutral","sentiment_score":0.03832782855114111}],"sentiment":"neutral","sentiment_score":0.01845658362771456,"num_words":26,"start":1153.13,"end":1164.635},{"sentences":[{"text":"Anything else of value?","start":1164.635,"end":1165.935,"sentiment":"neutral","sentiment_score":0.009217589860782027},{"text":"No.","start":1175.61,"end":1175.8501,"sentiment":"neutral","sentiment_score":-0.09347353875637054},{"text":"That's okay.","start":1175.8501,"end":1176.49,"sentiment":"neutral","sentiment_score":-0.05230590142309666},{"text":"How much would you value that at, do you think, and what kind of car is it?","start":1176.49,"end":1179.9501,"sentiment":"neutral","sentiment_score":-0.029454852947417426},{"text":"Yes.","start":1190.485,"end":1190.985,"sentiment":"neutral","sentiment_score":0.009174073114991188}],"sentiment":"neutral","sentiment_score":-0.026110936366021634,"num_words":25,"start":1164.635,"end":1190.985},{"sentences":[{"text":"Yes.","start":1191.525,"end":1191.765,"sentiment":"neutral","sentiment_score":0.029380708932876587},{"text":"Yes.","start":1191.765,"end":1192.265,"sentiment":"neutral","sentiment_score":0.07269278913736343},{"text":"Yep.","start":1196.885,"end":1197.385,"sentiment":"neutral","sentiment_score":-0.07520131021738052},{"text":"No.","start":1198.485,"end":1198.725,"sentiment":"neutral","sentiment_score":-0.054981816560029984},{"text":"That's okay.","start":1198.725,"end":1199.365,"sentiment":"neutral","sentiment_score":0.0030145873315632343}],"sentiment":"neutral","sentiment_score":-0.003680075674007336,"num_words":6,"start":1191.525,"end":1199.365},{"sentences":[{"text":"That's absolutely fine.","start":1199.365,"end":1200.3251,"sentiment":"neutral","sentiment_score":0.1547479728857676},{"text":"Is that recently purchased?","start":1200.3251,"end":1201.77,"sentiment":"neutral","sentiment_score":0.028075207490473986},{"text":"Is it?","start":1201.77,"end":1202.25,"sentiment":"neutral","sentiment_score":0.014406697358936071},{"text":"Or Yeah.","start":1202.25,"end":1204.99,"sentiment":"neutral","sentiment_score":0.01528261648491025},{"text":"Okay.","start":1206.89,"end":1207.29,"sentiment":"neutral","sentiment_score":0.0998336374759674}],"sentiment":"neutral","sentiment_score":0.0613130844819049,"num_words":12,"start":1199.365,"end":1207.29},{"sentences":[{"text":"Beautiful.","start":1207.29,"end":1207.79,"sentiment":"neutral","sentiment_score":0.11818362027406693},{"text":"And what sort of purchase price would that have had?","start":1207.8501,"end":1210.27,"sentiment":"neutral","sentiment_score":-0.013231956772506237},{"text":"Sorry.","start":1215.13,"end":1215.63,"sentiment":"neutral","sentiment_score":-0.06388363242149353},{"text":"Yeah.","start":1218.385,"end":1218.885,"sentiment":"neutral","sentiment_score":-0.03034825623035431},{"text":"That's okay.","start":1220.0651,"end":1221.025,"sentiment":"neutral","sentiment_score":0.1744544580578804}],"sentiment":"neutral","sentiment_score":0.016036072000861167,"num_words":15,"start":1207.29,"end":1221.025},{"sentences":[{"text":"I promise you.","start":1221.025,"end":1221.8251,"sentiment":"neutral","sentiment_score":0.24868382016817728},{"text":"I can ask you all the questions you probably never thought about answering.","start":1221.8251,"end":1224.9651,"sentiment":"neutral","sentiment_score":0.11206902850132722},{"text":"Yeah.","start":1225.665,"end":1226.165,"sentiment":"neutral","sentiment_score":0.11065873503684998},{"text":"No.","start":1226.785,"end":1227.105,"sentiment":"neutral","sentiment_score":0.1295708417892456},{"text":"All good.","start":1227.105,"end":1227.505,"sentiment":"positive","sentiment_score":0.4180605262517929}],"sentiment":"neutral","sentiment_score":0.16396497301757335,"num_words":20,"start":1221.025,"end":1227.505},{"sentences":[{"text":"Well, thank you for updating those details there for me.","start":1227.505,"end":1230.1616,"sentiment":"positive","sentiment_score":0.7097370028495789},{"text":"I do appreciate that.","start":1230.1616,"end":1231.025,"sentiment":"positive","sentiment_score":0.7809482663869858},{"text":"We'll definitely come back and revisit those again when we catch up in six months' time there.","start":1231.025,"end":1234.6945,"sentiment":"positive","sentiment_score":0.5634023108903099},{"text":"The other things to sort of look at here, and I know you're very time poor at the moment, so I'm very sorry.","start":1234.6945,"end":1239.6589,"sentiment":"neutral","sentiment_score":-0.18533213728148004},{"text":"I tried to sort of speed things up a little bit for you.","start":1239.6589,"end":1242.465,"sentiment":"neutral","sentiment_score":-0.17010478567905152}],"sentiment":"neutral","sentiment_score":0.19888061205787,"num_words":67,"start":1227.505,"end":1242.465},{"sentences":[{"text":"With your estate planning, have yourself and your husband ever done up a will, power of attorney?","start":1243.4249,"end":1248.3049,"sentiment":"neutral","sentiment_score":-0.0331709464902387},{"text":"Have you seen a solicitor to draw up those sorts of documents or a guardianship?","start":1248.3049,"end":1251.765,"sentiment":"neutral","sentiment_score":-0.04291016422212124},{"text":"Have you ever completed anything like that?","start":1252.225,"end":1255.525,"sentiment":"neutral","sentiment_score":-0.06474828108080796},{"text":"No?","start":1255.825,"end":1256.325,"sentiment":"neutral","sentiment_score":-0.07853268086910248},{"text":"Oh, good.","start":1259.01,"end":1259.83,"sentiment":"neutral","sentiment_score":0.1514403000473976}],"sentiment":"neutral","sentiment_score":-0.03420115719061522,"num_words":42,"start":1243.4249,"end":1259.83},{"sentences":[{"text":"Yes.","start":1263.25,"end":1263.75,"sentiment":"neutral","sentiment_score":0.12524919211864471},{"text":"Yeah.","start":1264.85,"end":1265.35,"sentiment":"neutral","sentiment_score":0.11250337958335876},{"text":"Yeah.","start":1268.21,"end":1268.71,"sentiment":"neutral","sentiment_score":0.08746005594730377},{"text":"Yes.","start":1269.25,"end":1269.75,"sentiment":"neutral","sentiment_score":0.1210116371512413},{"text":"Absolutely.","start":1270.675,"end":1271.175,"sentiment":"neutral","sentiment_score":0.2538539171218872}],"sentiment":"neutral","sentiment_score":0.14001563638448716,"num_words":5,"start":1263.25,"end":1271.175},{"sentences":[{"text":"And and, look, it's definitely not just for old people.","start":1271.7151,"end":1274.115,"sentiment":"neutral","sentiment_score":0.06114536300301552},{"text":"It's more also for everyone.","start":1274.115,"end":1275.9551,"sentiment":"neutral","sentiment_score":0.1518506035208702},{"text":"I mean, realistically, you both work so very hard.","start":1275.9551,"end":1278.5951,"sentiment":"neutral","sentiment_score":0.040918330351511635},{"text":"You're both self employed.","start":1278.5951,"end":1279.875,"sentiment":"neutral","sentiment_score":0.05224644113332033},{"text":"And, you know, everything you've worked for, your home, your savings, your cars, your contents, and your children, if anything was to happen to either of you, there is still technically a probate process that needs to be sort of followed through.","start":1279.875,"end":1293.48,"sentiment":"neutral","sentiment_score":0.014203372189686411}],"sentiment":"neutral","sentiment_score":0.03634998596140317,"num_words":70,"start":1271.7151,"end":1293.48},{"sentences":[{"text":"So by having a will that directs you know, if you want everything just directed to each other in that instance, it's a good thing to have that nominated and set up in a will.","start":1293.48,"end":1302.4149,"sentiment":"neutral","sentiment_score":0.28332111920629227},{"text":"And then, obviously, accounting for if something was to happen to the two of you, noting that you could also account for powers of attorneys and making sure you're able to stipulate who makes decisions for you if you are medically incapacitated and unable to make decisions on your own.","start":1302.635,"end":1318.9,"sentiment":"neutral","sentiment_score":-0.009150768555700779},{"text":"And, also, looking at guardianships, they're having two very small children.","start":1319.2001,"end":1322.9,"sentiment":"neutral","sentiment_score":-0.035506745292381806},{"text":"If anything happened to the two of you, where do you want your children to go, who do you want to look after them, and what directions do you have for those those parties?","start":1323.68,"end":1331.505,"sentiment":"neutral","sentiment_score":-0.013297433060977389},{"text":"So having those sorts of things are very important even at a younger age.","start":1331.565,"end":1335.9049,"sentiment":"neutral","sentiment_score":0.03278616789196219}],"sentiment":"neutral","sentiment_score":0.06302097342106411,"num_words":144,"start":1293.48,"end":1335.9049},{"sentences":[{"text":"We do have your beneficiary on file, which accounts for your sleep and your life insurance policy.","start":1336.365,"end":1341.63,"sentiment":"neutral","sentiment_score":0.12064900161588893},{"text":"Just confirming, I believe it's your husband.","start":1342.33,"end":1344.83,"sentiment":"neutral","sentiment_score":0.03608566229896886},{"text":"Can I confirm his name?","start":1345.13,"end":1346.75,"sentiment":"neutral","sentiment_score":0.026216277107596397},{"text":"Beautiful.","start":1351.77,"end":1352.27,"sentiment":"neutral","sentiment_score":0.09741582721471786},{"text":"Yep.","start":1352.49,"end":1352.89,"sentiment":"neutral","sentiment_score":0.17633138597011566}],"sentiment":"neutral","sentiment_score":0.08736971813824869,"num_words":31,"start":1336.365,"end":1352.89},{"sentences":[{"text":"Lovely.","start":1352.89,"end":1353.37,"sentiment":"positive","sentiment_score":0.42437535524368286},{"text":"So a 100% here binding, non lapsing paid to spouse in the event that something happens.","start":1353.37,"end":1358.125,"sentiment":"neutral","sentiment_score":0.2714638654142618},{"text":"And you're happy with those beneficiary nominations and how they are structured?","start":1358.125,"end":1361.665,"sentiment":"positive","sentiment_score":0.39046642929315567},{"text":"Yep.","start":1363.165,"end":1363.665,"sentiment":"neutral","sentiment_score":0.20236331224441528},{"text":"Beautiful.","start":1363.725,"end":1364.225,"sentiment":"positive","sentiment_score":0.5818660259246826}],"sentiment":"neutral","sentiment_score":0.33024592553415605,"num_words":31,"start":1352.89,"end":1364.225},{"sentences":[{"text":"All good.","start":1364.365,"end":1365.105,"sentiment":"positive","sentiment_score":0.6308310925960541},{"text":"Fantastic.","start":1365.165,"end":1365.665,"sentiment":"positive","sentiment_score":0.6661038994789124},{"text":"Well, thank you for updating those details there for me.","start":1365.885,"end":1368.785,"sentiment":"positive","sentiment_score":0.5643589794635773},{"text":"The last thing to sorta look at is, obviously, goal wise.","start":1369.13,"end":1372.3301,"sentiment":"neutral","sentiment_score":0.014355971054597334},{"text":"So we had down here originally that when you with your super that you're hoping to be able to access super, you sorta had here 67 years of age.","start":1372.3301,"end":1381.39,"sentiment":"neutral","sentiment_score":0.010871222017910975}],"sentiment":"neutral","sentiment_score":0.15178371697031665,"num_words":53,"start":1364.365,"end":1381.39},{"sentences":[{"text":"Is that sort of what you're hoping?","start":1381.695,"end":1383.135,"sentiment":"neutral","sentiment_score":-0.009243401233106852},{"text":"Are you hoping to be able to access super early than 67?","start":1383.135,"end":1386.4149,"sentiment":"neutral","sentiment_score":0.016135638191675145},{"text":"What's your goal age for wanting to access super at the moment?","start":1386.4149,"end":1389.475,"sentiment":"neutral","sentiment_score":0.00355987010213236},{"text":"At the moment, the legislation is 60.","start":1394.8,"end":1396.96,"sentiment":"neutral","sentiment_score":0.0085862237694008},{"text":"So if you retire at the age of 60, you're able to access your super wholly and tax free.","start":1396.96,"end":1403.06,"sentiment":"neutral","sentiment_score":0.04847472474763268}],"sentiment":"neutral","sentiment_score":0.020223958376925765,"num_words":57,"start":1381.695,"end":1403.06},{"sentences":[{"text":"Yeah.","start":1404.48,"end":1404.98,"sentiment":"neutral","sentiment_score":0.017143473029136658},{"text":"Yep.","start":1410.0,"end":1410.5,"sentiment":"neutral","sentiment_score":0.06363250315189362},{"text":"Don't wanna work any longer than you have to.","start":1410.685,"end":1412.365,"sentiment":"neutral","sentiment_score":-0.08130535152223375},{"text":"I love it.","start":1412.365,"end":1413.345,"sentiment":"positive","sentiment_score":0.5818708737691244},{"text":"The 60 years of age, they're beautiful.","start":1414.685,"end":1416.9451,"sentiment":"positive","sentiment_score":0.43873258360794615}],"sentiment":"neutral","sentiment_score":0.19836992947828203,"num_words":21,"start":1404.48,"end":1416.9451},{"sentences":[{"text":"In those your time years, I know it is, you know, a good sixteen years down the track there, but have you sort of thought about what you'd like to spend your time doing?","start":1417.805,"end":1424.925,"sentiment":"neutral","sentiment_score":0.03257570210296441},{"text":"What would you like to do in the when you retire and stop work?","start":1424.925,"end":1428.36,"sentiment":"neutral","sentiment_score":0.04083154310605356},{"text":"I love that.","start":1431.94,"end":1432.74,"sentiment":"positive","sentiment_score":0.5781830350557963},{"text":"Anywhere specific you'd like to go?","start":1432.74,"end":1434.84,"sentiment":"neutral","sentiment_score":0.06227158692975839},{"text":"I love that.","start":1439.62,"end":1440.26,"sentiment":"positive","sentiment_score":0.3476898670196533}],"sentiment":"neutral","sentiment_score":0.08050772837984065,"num_words":60,"start":1417.805,"end":1440.26},{"sentences":[{"text":"That's I love that.","start":1440.26,"end":1442.5349,"sentiment":"positive","sentiment_score":0.6318124085664749},{"text":"That's fantastic.","start":1442.5349,"end":1442.895,"sentiment":"positive","sentiment_score":0.7128295004367828},{"text":"Beautiful.","start":1442.895,"end":1443.395,"sentiment":"positive","sentiment_score":0.6387661695480347},{"text":"Excellent.","start":1444.4149,"end":1444.895,"sentiment":"positive","sentiment_score":0.5744761228561401},{"text":"And the only other thing to sort of touch on is your risk profile.","start":1444.895,"end":1448.095,"sentiment":"neutral","sentiment_score":0.05500660450862987}],"sentiment":"neutral","sentiment_score":0.26982924503020267,"num_words":22,"start":1440.26,"end":1448.095},{"sentences":[{"text":"So within your super fund at the moment, you are in that growth environment.","start":1448.095,"end":1451.715,"sentiment":"neutral","sentiment_score":0.020450175872870853},{"text":"So that generally sees about 80% of your super invested in growth assets.","start":1451.855,"end":1456.095,"sentiment":"neutral","sentiment_score":0.02862622904089781},{"text":"So these are things like Australian shares, international shares, property is another one, and then also precious metals like gold and silver.","start":1456.095,"end":1464.47,"sentiment":"neutral","sentiment_score":0.013938967942852865},{"text":"Those are the sorts of investments that tend to get you higher growth over the longer term.","start":1465.0901,"end":1469.3301,"sentiment":"neutral","sentiment_score":0.004991481190218645},{"text":"You are taking a bit more risk in the market to have those of investments in your portfolio.","start":1469.3301,"end":1473.845,"sentiment":"neutral","sentiment_score":-0.05137999438577228}],"sentiment":"neutral","sentiment_score":0.0014894763783862193,"num_words":84,"start":1448.095,"end":1473.845},{"sentences":[{"text":"But you do also have generally about 20% low risk defensive investments with things like cash, bonds, and fixed interest as well.","start":1474.465,"end":1481.605,"sentiment":"neutral","sentiment_score":0.07311418076807802},{"text":"In that kind of growth environment, we are looking to, as a risk profile, obtain around about seven to 9% on a yearly basis compounding that forward.","start":1481.985,"end":1491.2301,"sentiment":"neutral","sentiment_score":0.042272840799004945},{"text":"This sort of environment does suit someone who has at least six years before accessing their sleep, but you've got well and truly more than that ahead of you there.","start":1491.6901,"end":1499.0701,"sentiment":"neutral","sentiment_score":-0.031192583839098613},{"text":"And we understand there is a likelihood of a negative return because markets go up, markets go down.","start":1499.8049,"end":1504.845,"sentiment":"neutral","sentiment_score":-0.2745461372865571},{"text":"So the likelihood of a negative return is expected kind of one in every five years there.","start":1504.845,"end":1509.505,"sentiment":"neutral","sentiment_score":-0.2852407106581856}],"sentiment":"neutral","sentiment_score":-0.0699721174478008,"num_words":114,"start":1474.465,"end":1509.505},{"sentences":[{"text":"Did you wanna look at reevaluating your risk profile?","start":1509.965,"end":1513.64,"sentiment":"neutral","sentiment_score":-0.09502996587091023},{"text":"Do you feel comfortable with where you are at the moment?","start":1513.64,"end":1516.2,"sentiment":"neutral","sentiment_score":-0.12443066456101158},{"text":"How do you sort of feel about that?","start":1516.2,"end":1517.9,"sentiment":"neutral","sentiment_score":-0.08070851815864444},{"text":"Yeah.","start":1521.32,"end":1521.82,"sentiment":"neutral","sentiment_score":-0.0009824112057685852},{"text":"Yeah.","start":1522.04,"end":1522.54,"sentiment":"neutral","sentiment_score":0.011646823957562448}],"sentiment":"neutral","sentiment_score":-0.09530035785088936,"num_words":30,"start":1509.965,"end":1522.54},{"sentences":[{"text":"Absolutely.","start":1522.84,"end":1523.34,"sentiment":"neutral","sentiment_score":0.06998062878847122},{"text":"Look.","start":1523.5599,"end":1523.8,"sentiment":"neutral","sentiment_score":0.03118082880973816},{"text":"You're the same age as me, honestly.","start":1523.8,"end":1525.42,"sentiment":"neutral","sentiment_score":-0.022424259622182165},{"text":"We have a bit of time ahead of us.","start":1525.72,"end":1527.48,"sentiment":"neutral","sentiment_score":-0.018901598329345386},{"text":"As much as sixteen years doesn't feel like it, it is a long time away, especially when we look at markets and investments.","start":1527.48,"end":1533.315,"sentiment":"neutral","sentiment_score":-0.14896596158328262}],"sentiment":"neutral","sentiment_score":-0.08907658197894329,"num_words":41,"start":1522.84,"end":1533.315},{"sentences":[{"text":"I know you do have to go in a minute.","start":1534.255,"end":1536.335,"sentiment":"neutral","sentiment_score":-0.03552379049360752},{"text":"So I do wanna let you know that the last couple of documents in that DocuSign are your ongoing services agreement with us.","start":1536.335,"end":1544.72,"sentiment":"neutral","sentiment_score":0.03910724203223768},{"text":"You do pay us an ongoing service fee of 1.65% per annum.","start":1544.7799,"end":1549.0399,"sentiment":"neutral","sentiment_score":0.023097554765020806},{"text":"Moving forward, that fee will become more of a tiered structure.","start":1549.58,"end":1552.7,"sentiment":"neutral","sentiment_score":0.00289302911948074},{"text":"So when your balance hits over 200,000, you drop into the lower tier, which means that this tier would drop slightly.","start":1552.7,"end":1558.665,"sentiment":"neutral","sentiment_score":-0.009219357100803228}],"sentiment":"neutral","sentiment_score":0.008566443379000798,"num_words":77,"start":1534.255,"end":1558.665},{"sentences":[{"text":"So having a balance over 200,000 means you go from 1.65% to 1.375.","start":1558.665,"end":1565.465,"sentiment":"neutral","sentiment_score":0.004339999089447351},{"text":"So we kind of wanted to make it more of a tiered structure and make it more of a dollar fee there as well.","start":1565.465,"end":1570.345,"sentiment":"neutral","sentiment_score":0.005551487246217827},{"text":"But that's for our services for looking after your super, managing things in the background, and providing ongoing advice to support you as we work towards your goals there.","start":1570.345,"end":1579.27,"sentiment":"neutral","sentiment_score":0.06568775493009336},{"text":"Do you have any questions about the ongoing service fee or how that works?","start":1579.73,"end":1583.91,"sentiment":"neutral","sentiment_score":0.02617270659123148},{"text":"Or that's okay.","start":1586.355,"end":1587.3949,"sentiment":"neutral","sentiment_score":0.07215875138839085}],"sentiment":"neutral","sentiment_score":0.032258972548038126,"num_words":83,"start":1558.665,"end":1587.3949},{"sentences":[{"text":"It's the same as the last few years.","start":1587.3949,"end":1589.015,"sentiment":"neutral","sentiment_score":0.038839587941765785},{"text":"Excellent.","start":1589.235,"end":1589.735,"sentiment":"positive","sentiment_score":0.480862021446228},{"text":"Beautiful.","start":1590.2749,"end":1590.7749,"sentiment":"positive","sentiment_score":0.5810546278953552},{"text":"I've also got in there the financial services guide, which outlines all the details on us.","start":1590.835,"end":1595.4149,"sentiment":"neutral","sentiment_score":0.22119525354355574},{"text":"When you do get some time there, if you can have a review of the email, sign the documents, and return them back, and I'll make sure that we do a catch up in about six months' time.","start":1595.635,"end":1604.6,"sentiment":"neutral","sentiment_score":0.10920491265623193}],"sentiment":"neutral","sentiment_score":0.1415866264142096,"num_words":64,"start":1587.3949,"end":1604.6},{"sentences":[{"text":"Is that okay with you?","start":1604.6,"end":1606.0599,"sentiment":"neutral","sentiment_score":0.13020011335611342},{"text":"Yep.","start":1607.32,"end":1607.7999,"sentiment":"neutral","sentiment_score":0.15770410001277924},{"text":"Beautiful.","start":1607.7999,"end":1608.28,"sentiment":"positive","sentiment_score":0.3985672295093536},{"text":"Do you have any questions?","start":1608.28,"end":1609.48,"sentiment":"neutral","sentiment_score":0.1776430308818817},{"text":"I know I touch on a lot in a short time there, Jessica.","start":1609.48,"end":1612.135,"sentiment":"neutral","sentiment_score":0.044667861639307097}],"sentiment":"neutral","sentiment_score":0.10704677008092403,"num_words":25,"start":1604.6,"end":1612.135},{"sentences":[{"text":"Is there anything else that I maybe have missed that I haven't touched on that you wanted to talk about today or any questions that have come from any of that?","start":1612.135,"end":1619.675,"sentiment":"neutral","sentiment_score":0.053334875392817685},{"text":"No?","start":1621.575,"end":1622.075,"sentiment":"neutral","sentiment_score":-0.14054924249649048},{"text":"That's that's okay.","start":1622.455,"end":1623.835,"sentiment":"neutral","sentiment_score":0.060151897836476564},{"text":"The bells are about to ring, so I will let you go.","start":1623.975,"end":1626.775,"sentiment":"neutral","sentiment_score":0.04770949203521013},{"text":"I appreciate your time, and I will make sure we catch up in the next few months and revisit those the insurances and the super side of things for you.","start":1626.775,"end":1635.98,"sentiment":"neutral","sentiment_score":0.3162243445714315}],"sentiment":"neutral","sentiment_score":0.15263028350332147,"num_words":77,"start":1612.135,"end":1635.98},{"sentences":[{"text":"Okay?","start":1635.98,"end":1636.48,"sentiment":"neutral","sentiment_score":0.12983104586601257},{"text":"No worries.","start":1638.38,"end":1639.02,"sentiment":"positive","sentiment_score":0.4927896112203598},{"text":"I hope you kids have a great afternoon.","start":1639.02,"end":1640.8,"sentiment":"positive","sentiment_score":0.7648160830140114},{"text":"Hope you had a good day at school.","start":1641.02,"end":1644.2509,"sentiment":"positive","sentiment_score":0.5078059621155262},{"text":"Thanks, Jessica.","start":1644.2509,"end":1645.2308,"sentiment":"positive","sentiment_score":0.4518677145242691}],"sentiment":"positive","sentiment_score":0.5809581932567415,"num_words":21,"start":1635.98,"end":1645.2308},{"sentences":[{"text":"I'll talk to you soon.","start":1645.2909,"end":1646.5109,"sentiment":"neutral","sentiment_score":0.3128350555896759},{"text":"See you later.","start":1646.8109,"end":1647.6309,"sentiment":"positive","sentiment_score":0.3777473171552022},{"text":"Bye.","start":1648.1709,"end":1648.6709,"sentiment":"neutral","sentiment_score":-0.13269346952438354}],"sentiment":"neutral","sentiment_score":0.2849693066544003,"num_words":9,"start":1645.2909,"end":1648.6709}]}}]},{"alternatives":[{"transcript":"Hello? So thank you. Yeah. Fine. How long does it usually take roughly? Uh-huh. Yep. Yep. Mhmm. Mhmm. Mhmm. Yeah. Yeah. It's just that I've got a cool pickup to go there. I wanna just look before that. I think I think, yeah, thirty minutes twenty five minutes should be about okay. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Yeah. You can send it to my email. That's fine. Yep. Mhmm. Yep. Yep. Okay. Jessica Ji Young Lee. Address, 21000 Avenue, Parramatta 2074, and date of birth is nine twelve October nineteen eighty two. Yeah. If you could just start. Yep. Mhmm. Yep. Mhmm. Yep. Yeah. Yeah. So I have to make the voluntary contributions that I haven't been doing. Yeah. Mhmm. Mhmm. Yep. Okay. Yeah. Mhmm. Yeah. No. No. I'm not sure. Yeah. So I don't know. Yeah. So maybe maybe not for the immediate future. Yeah. Yeah. Maybe. Yeah. Yep. Mhmm. No. I'm I'm an optometrist. I locum. So, yeah, self employed. It so they can fluctuate, but I do I only work part time because I've got two kids. So I do what do I do? About I I do I do very part time. It's, like, five days or fortnight. They're my regular, but then sometimes I would do more days, like, depending on, like, when people need specific cover today. Like, because I've got friends for optometrist, and they have their practice and they're like, oh, they're going on a holiday. So I'll I'll just do random days, you know, here and there, but they're not regular. Yeah. Yeah. Just for myself? This financial year. Probably, maybe, like, '80. Yeah. Yeah. Mhmm. Yes. Mhmm. Yep. I think that's okay. Well, is it I I don't know how because that's it's the first, I think, life insurance I've picked up. Yeah. Yeah. So I I don't know what's average or what's below or what's above. So Mhmm. I think we still got maybe just under 800 k on it. I guess so. Yeah. Mhmm. Mhmm. Mhmm. No. Yeah. Probably. Yeah. Yeah. Mhmm. Yeah. I I guess so because he he worked as well, so it's not like he doesn't have any income. Yeah. Yeah. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yeah. I think so. Yeah. I think so. Yeah. I think so. But yeah. Yeah. Mhmm. Mhmm. Yep. No. Yes. She's good. Yeah. Mhmm. Yes. I think so. Yeah. Mhmm. Mhmm. No. I haven't really looked into that one. Mhmm. Yes. Maybe. Yeah. Yeah. Yeah. Yeah. We do have some some savings, I guess. My house my husband is also self employed, so we don't we don't have any sick leave or annual leave, unfortunately. Yeah. Mhmm. Probably, we're okay for now, but maybe we'll look back. Can we do that in the next review? Yeah. Yep. Yep. Yeah. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Yes. Mhmm. Yep. Yep. Yep. Mhmm. A house. I think right now, maybe around 2.5 millimeters. Yep. I'm not sure the exact figure. I think hold on. Let me think. Yeah. Maybe maybe around a 100 k. Yeah. Yeah. Some some in normal savings. Some just in cash. Some yeah. Just in offset as well here. Yep. Mhmm. Mhmm. I've got an Audi q seven. Oh, it's it's five years old now, so I don't I don't know. Yeah. Probably. I don't know. Probably, yeah, 30. Probably gone down. Yeah. Oh, no. No. We don't have a tablet. No. Well no. It's my husband's car, so I I don't know. That's probably not my asset, I guess. Yeah. No. He's he's got BYDU to be got it because of the because the fuel prices are so so high. Yeah. So he he is good for his work. Yeah. But I don't I don't think it's worth that that much. Yes. Yeah. So he got it under a year. Yeah. I I how much was it? Maybe it was around 70. I think it maybe was around 70 or 60. I can't even remember. Yeah. Yeah. Mhmm. No. We haven't. But that's something that we've been talking about because, like, we're starting well, it's not we're not getting really old, but, you know, I think it's pretty important to have that kinda looked at. Yeah. Yep. Mhmm. Yep. Mhmm. It's Sehulyunle, s e h y u n l, double e. Yep. Yep. Mhmm. Well, how how early can I access it? 60. Mhmm. Mhmm. Okay. Probably probably 60 then. Yep. Maybe do a bit of traveling. Yeah. I don't know. Places we haven't been to, I guess. Mhmm. Yep. Mhmm. Well, I think I think I can just leave it, yeah, with the yeah. Mhmm. Mhmm. Yep. Yep. Mhmm. Mhmm. Mhmm. Yep. It's alright. Yeah. Yep. Yep. Yep. Uh-huh. Mhmm. Yep. No. I think I'm pretty okay for now. Yeah. Yeah. Uh-huh. Yeah. Mhmm. Yep. Okay. Yep. Thank you. Yep. Thank you. Yep. Alright. Thanks. Thank you. 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So thank you. Yeah. Fine. How long does it usually take roughly?\n\nUh-huh. Yep. Yep. Mhmm. Mhmm.\n\nMhmm. Yeah. Yeah. It's just that I've got a cool pickup to go there. I wanna just look before that.\n\nI think I think, yeah, thirty minutes twenty five minutes should be about okay. Mhmm. Yep. Mhmm. Yep.\n\nMhmm. Yep. Yeah. You can send it to my email. That's fine.\n\nYep. Mhmm. Yep. Yep. Okay.\n\nJessica Ji Young Lee. Address, 21000 Avenue, Parramatta 2074, and date of birth is nine twelve October nineteen eighty two. Yeah. If you could just start. Yep.\n\nMhmm. Yep. Mhmm. Yep. Yeah.\n\nYeah. So I have to make the voluntary contributions that I haven't been doing. Yeah. Mhmm. Mhmm.\n\nYep. Okay. Yeah. Mhmm. Yeah.\n\nNo. No. I'm not sure. Yeah. So I don't know.\n\nYeah. So maybe maybe not for the immediate future. Yeah. Yeah. Maybe.\n\nYeah. Yep. Mhmm. No. I'm I'm an optometrist.\n\nI locum. So, yeah, self employed. It so they can fluctuate, but I do I only work part time because I've got two kids. So I do what do I do? About I I do I do very part time.\n\nIt's, like, five days or fortnight. They're my regular, but then sometimes I would do more days, like, depending on, like, when people need specific cover today. Like, because I've got friends for optometrist, and they have their practice and they're like, oh, they're going on a holiday. So I'll I'll just do random days, you know, here and there, but they're not regular. Yeah.\n\nYeah. Just for myself? This financial year. Probably, maybe, like, '80. Yeah.\n\nYeah. Mhmm. Yes. Mhmm. Yep.\n\nI think that's okay. Well, is it I I don't know how because that's it's the first, I think, life insurance I've picked up. Yeah. Yeah. So I I don't know what's average or what's below or what's above.\n\nSo Mhmm. I think we still got maybe just under 800 k on it. I guess so. Yeah. Mhmm.\n\nMhmm. Mhmm. No. Yeah. Probably.\n\nYeah. Yeah. Mhmm. Yeah. I I guess so because he he worked as well, so it's not like he doesn't have any income.\n\nYeah. Yeah. Mhmm. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yeah. I think so.\n\nYeah. I think so. Yeah. I think so. But yeah.\n\nYeah. Mhmm. Mhmm. Yep. No.\n\nYes. She's good. Yeah. Mhmm. Yes.\n\nI think so. Yeah. Mhmm. Mhmm. No.\n\nI haven't really looked into that one. Mhmm. Yes. Maybe. Yeah.\n\nYeah. Yeah. Yeah. We do have some some savings, I guess. My house my husband is also self employed, so we don't we don't have any sick leave or annual leave, unfortunately.\n\nYeah. Mhmm. Probably, we're okay for now, but maybe we'll look back. Can we do that in the next review? Yeah.\n\nYep. Yep. Yeah. Mhmm. Yep.\n\nYep. Yep. Mhmm. Mhmm. Yes.\n\nMhmm. Yep. Yep. Yep. Mhmm.\n\nA house. I think right now, maybe around 2.5 millimeters. Yep. I'm not sure the exact figure. I think hold on.\n\nLet me think. Yeah. Maybe maybe around a 100 k. Yeah. Yeah.\n\nSome some in normal savings. Some just in cash. Some yeah. Just in offset as well here. Yep.\n\nMhmm. Mhmm. I've got an Audi q seven. Oh, it's it's five years old now, so I don't I don't know. Yeah.\n\nProbably. I don't know. Probably, yeah, 30. Probably gone down. Yeah.\n\nOh, no. No. We don't have a tablet. No. Well no.\n\nIt's my husband's car, so I I don't know. That's probably not my asset, I guess. Yeah. No. He's he's got BYDU to be got it because of the because the fuel prices are so so high.\n\nYeah. So he he is good for his work. Yeah. But I don't I don't think it's worth that that much. Yes.\n\nYeah. So he got it under a year. Yeah. I I how much was it? Maybe it was around 70.\n\nI think it maybe was around 70 or 60. I can't even remember. Yeah. Yeah. Mhmm.\n\nNo. We haven't. But that's something that we've been talking about because, like, we're starting well, it's not we're not getting really old, but, you know, I think it's pretty important to have that kinda looked at. Yeah. Yep.\n\nMhmm. Yep. Mhmm. It's Sehulyunle, s e h y u n l, double e. Yep.\n\nYep. Mhmm. Well, how how early can I access it? 60. Mhmm.\n\nMhmm. Okay. Probably probably 60 then. Yep. Maybe do a bit of traveling.\n\nYeah. I don't know. Places we haven't been to, I guess. Mhmm. Yep.\n\nMhmm. Well, I think I think I can just leave it, yeah, with the yeah. Mhmm. Mhmm. Yep.\n\nYep. Mhmm. Mhmm. Mhmm. Yep.\n\nIt's alright. Yeah. Yep. Yep. Yep.\n\nUh-huh. Mhmm. Yep. No. I think I'm pretty okay for now.\n\nYeah. Yeah. Uh-huh. Yeah. Mhmm.\n\nYep. Okay. Yep. Thank you. Yep.\n\nThank you. Yep. Alright. Thanks. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.03975136578083038},{"text":"So thank you.","start":7.2799997,"end":8.26,"sentiment":"positive","sentiment_score":0.6844322482744852},{"text":"Yeah.","start":13.759999,"end":14.259999,"sentiment":"neutral","sentiment_score":0.09884382784366608},{"text":"Fine.","start":14.455,"end":14.955,"sentiment":"neutral","sentiment_score":0.0824975073337555},{"text":"How long does it usually take 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a 100 k.","start":1083.4099,"end":1086.3099,"sentiment":"neutral","sentiment_score":0.01368683809414506},{"text":"Yeah.","start":1087.49,"end":1087.99,"sentiment":"neutral","sentiment_score":0.08753933012485504},{"text":"Yeah.","start":1094.13,"end":1094.45,"sentiment":"neutral","sentiment_score":0.001179813640192151}],"sentiment":"neutral","sentiment_score":0.012490713445004076,"num_words":12,"start":1080.185,"end":1094.45},{"sentences":[{"text":"Some some in normal savings.","start":1094.45,"end":1096.13,"sentiment":"neutral","sentiment_score":-0.002998109068721533},{"text":"Some just in cash.","start":1096.13,"end":1097.595,"sentiment":"neutral","sentiment_score":-0.0014257197035476565},{"text":"Some yeah.","start":1097.6749,"end":1098.495,"sentiment":"neutral","sentiment_score":0.009767749812453985},{"text":"Just in offset as well here.","start":1099.755,"end":1101.2949,"sentiment":"neutral","sentiment_score":0.02794296791156133},{"text":"Yep.","start":1102.475,"end":1102.975,"sentiment":"neutral","sentiment_score":0.0938907265663147}],"sentiment":"neutral","sentiment_score":0.014466144972377352,"num_words":18,"start":1094.45,"end":1102.975},{"sentences":[{"text":"Mhmm.","start":1103.835,"end":1104.335,"sentiment":"neutral","sentiment_score":0.02162779681384563},{"text":"Mhmm.","start":1104.7949,"end":1105.2949,"sentiment":"neutral","sentiment_score":0.24488958716392517},{"text":"I've got an Audi q seven.","start":1112.37,"end":1114.39,"sentiment":"neutral","sentiment_score":0.06129296310245991},{"text":"Oh, it's it's five years old now, so I don't I don't know.","start":1120.21,"end":1123.43,"sentiment":"neutral","sentiment_score":-0.044004591468435064},{"text":"Yeah.","start":1135.4049,"end":1135.9049,"sentiment":"neutral","sentiment_score":-0.0020631523802876472}],"sentiment":"neutral","sentiment_score":0.002734196414663033,"num_words":22,"start":1103.835,"end":1135.9049},{"sentences":[{"text":"Probably.","start":1137.965,"end":1138.465,"sentiment":"neutral","sentiment_score":-0.03267639875411987},{"text":"I don't know.","start":1138.6849,"end":1139.505,"sentiment":"neutral","sentiment_score":-0.055734521398941674},{"text":"Probably, yeah, 30.","start":1140.0,"end":1142.18,"sentiment":"neutral","sentiment_score":-0.02981262095272541},{"text":"Probably gone down.","start":1142.64,"end":1143.6,"sentiment":"neutral","sentiment_score":-0.031186837702989578},{"text":"Yeah.","start":1143.6,"end":1144.1,"sentiment":"neutral","sentiment_score":0.007373602129518986}],"sentiment":"neutral","sentiment_score":-0.03413679425350644,"num_words":11,"start":1137.965,"end":1144.1},{"sentences":[{"text":"Oh, no.","start":1156.645,"end":1157.385,"sentiment":"neutral","sentiment_score":-0.028955504298210144},{"text":"No.","start":1157.925,"end":1158.3251,"sentiment":"neutral","sentiment_score":-0.043948251754045486},{"text":"We don't have a tablet.","start":1158.3251,"end":1159.4451,"sentiment":"neutral","sentiment_score":-0.031678468361496924},{"text":"No.","start":1159.4451,"end":1159.9451,"sentiment":"neutral","sentiment_score":0.029784420505166057},{"text":"Well no.","start":1168.91,"end":1170.1901,"sentiment":"neutral","sentiment_score":-0.07047693803906441}],"sentiment":"neutral","sentiment_score":-0.03376555070281029,"num_words":11,"start":1156.645,"end":1170.1901},{"sentences":[{"text":"It's my husband's car, so I I don't know.","start":1170.1901,"end":1173.0701,"sentiment":"neutral","sentiment_score":-0.13519160118367937},{"text":"That's probably not my asset, I guess.","start":1173.0701,"end":1175.17,"sentiment":"neutral","sentiment_score":-0.19287447205611638},{"text":"Yeah.","start":1176.35,"end":1176.85,"sentiment":"neutral","sentiment_score":-0.01593656837940216},{"text":"No.","start":1178.31,"end":1178.81,"sentiment":"neutral","sentiment_score":-0.05040708929300308},{"text":"He's he's got BYDU to be got it because of the because the fuel prices are so so high.","start":1180.27,"end":1190.375,"sentiment":"neutral","sentiment_score":-0.052518996263020916}],"sentiment":"neutral","sentiment_score":-0.09813649464096572,"num_words":37,"start":1170.1901,"end":1190.375},{"sentences":[{"text":"Yeah.","start":1191.075,"end":1191.3949,"sentiment":"neutral","sentiment_score":0.01308240368962288},{"text":"So he he is good for his work.","start":1191.3949,"end":1193.4149,"sentiment":"neutral","sentiment_score":0.10414279159158468},{"text":"Yeah.","start":1194.6749,"end":1194.995,"sentiment":"neutral","sentiment_score":-0.02429792284965515},{"text":"But I don't I don't think it's worth that that much.","start":1194.995,"end":1197.66,"sentiment":"neutral","sentiment_score":-0.13253607804125006},{"text":"Yes.","start":1202.78,"end":1203.02,"sentiment":"neutral","sentiment_score":0.02365564182400703}],"sentiment":"neutral","sentiment_score":-0.027832472866231747,"num_words":22,"start":1191.075,"end":1203.02},{"sentences":[{"text":"Yeah.","start":1203.02,"end":1203.52,"sentiment":"neutral","sentiment_score":0.022213978692889217},{"text":"So he got it under a year.","start":1203.5801,"end":1205.8201,"sentiment":"neutral","sentiment_score":0.010546889688287462},{"text":"Yeah.","start":1205.8201,"end":1206.3201,"sentiment":"neutral","sentiment_score":0.045289233326911926},{"text":"I I how much was it?","start":1211.1,"end":1214.465,"sentiment":"neutral","sentiment_score":-0.024149394283692043},{"text":"Maybe it was around 70.","start":1214.465,"end":1215.9249,"sentiment":"neutral","sentiment_score":-0.0317543238401413}],"sentiment":"neutral","sentiment_score":-0.008116827253252268,"num_words":20,"start":1203.02,"end":1215.9249},{"sentences":[{"text":"I think it maybe was around 70 or 60.","start":1215.985,"end":1218.3049,"sentiment":"neutral","sentiment_score":-0.04637348817454444},{"text":"I can't even remember.","start":1218.3049,"end":1219.445,"sentiment":"neutral","sentiment_score":-0.05476014409214258},{"text":"Yeah.","start":1219.505,"end":1220.005,"sentiment":"neutral","sentiment_score":0.036349132657051086},{"text":"Yeah.","start":1220.865,"end":1221.365,"sentiment":"neutral","sentiment_score":0.20072512328624725},{"text":"Mhmm.","start":1242.135,"end":1242.635,"sentiment":"neutral","sentiment_score":-0.05568751692771912}],"sentiment":"neutral","sentiment_score":-0.02843845193274319,"num_words":16,"start":1215.985,"end":1242.635},{"sentences":[{"text":"No.","start":1253.9099,"end":1254.4099,"sentiment":"neutral","sentiment_score":-0.10297998785972597},{"text":"We haven't.","start":1255.35,"end":1256.07,"sentiment":"neutral","sentiment_score":-0.08823787793517113},{"text":"But that's something that we've been talking about because, like, we're starting well, it's not we're not getting really old, but, you know, I think it's pretty important to have that kinda looked at.","start":1256.07,"end":1268.355,"sentiment":"neutral","sentiment_score":0.017930684679680887},{"text":"Yeah.","start":1269.315,"end":1269.815,"sentiment":"neutral","sentiment_score":0.17012187838554382},{"text":"Yep.","start":1293.65,"end":1293.915,"sentiment":"neutral","sentiment_score":0.1701589822769165}],"sentiment":"neutral","sentiment_score":0.01719149733439852,"num_words":39,"start":1253.9099,"end":1293.915},{"sentences":[{"text":"Mhmm.","start":1302.875,"end":1303.375,"sentiment":"neutral","sentiment_score":-0.029955219477415085},{"text":"Yep.","start":1336.84,"end":1337.34,"sentiment":"neutral","sentiment_score":0.1034623607993126},{"text":"Mhmm.","start":1341.96,"end":1342.335,"sentiment":"neutral","sentiment_score":0.03649060428142547},{"text":"It's Sehulyunle, s e h y u n l, double e.","start":1347.9349,"end":1352.2749,"sentiment":"neutral","sentiment_score":0.03960940885272893},{"text":"Yep.","start":1352.4149,"end":1352.9149,"sentiment":"neutral","sentiment_score":0.09977366030216216}],"sentiment":"neutral","sentiment_score":0.04303166021903356,"num_words":15,"start":1302.875,"end":1352.9149},{"sentences":[{"text":"Yep.","start":1362.19,"end":1362.69,"sentiment":"neutral","sentiment_score":0.1257539987564087},{"text":"Mhmm.","start":1368.91,"end":1369.275,"sentiment":"neutral","sentiment_score":0.06393758952617645},{"text":"Well, how how early can I access it?","start":1391.5,"end":1394.24,"sentiment":"neutral","sentiment_score":0.011486516799777746},{"text":"60.","start":1397.505,"end":1398.005,"sentiment":"neutral","sentiment_score":0.025476038455963135},{"text":"Mhmm.","start":1402.145,"end":1402.645,"sentiment":"neutral","sentiment_score":0.02354627102613449}],"sentiment":"neutral","sentiment_score":0.02755050268024206,"num_words":12,"start":1362.19,"end":1402.645},{"sentences":[{"text":"Mhmm.","start":1403.745,"end":1403.825,"sentiment":"neutral","sentiment_score":0.01946418732404709},{"text":"Okay.","start":1403.825,"end":1404.325,"sentiment":"neutral","sentiment_score":0.02810085192322731},{"text":"Probably probably 60 then.","start":1407.105,"end":1409.525,"sentiment":"neutral","sentiment_score":0.015635248739272356},{"text":"Yep.","start":1410.68,"end":1411.18,"sentiment":"neutral","sentiment_score":0.0757538378238678},{"text":"Maybe do a bit of traveling.","start":1429.045,"end":1431.0651,"sentiment":"neutral","sentiment_score":0.0889340986808141}],"sentiment":"neutral","sentiment_score":0.05534342031639356,"num_words":13,"start":1403.745,"end":1431.0651},{"sentences":[{"text":"Yeah.","start":1432.885,"end":1433.385,"sentiment":"neutral","sentiment_score":0.06765637546777725},{"text":"I don't know.","start":1436.805,"end":1437.365,"sentiment":"neutral","sentiment_score":0.019509626552462578},{"text":"Places we haven't been to, I guess.","start":1437.365,"end":1443.33,"sentiment":"neutral","sentiment_score":0.2154288270643779},{"text":"Mhmm.","start":1465.0651,"end":1465.5651,"sentiment":"neutral","sentiment_score":0.001959798391908407},{"text":"Yep.","start":1474.33,"end":1474.83,"sentiment":"neutral","sentiment_score":0.0501648485660553}],"sentiment":"neutral","sentiment_score":0.12971628396413648,"num_words":13,"start":1432.885,"end":1474.83},{"sentences":[{"text":"Mhmm.","start":1510.095,"end":1510.595,"sentiment":"neutral","sentiment_score":-0.08706128597259521},{"text":"Well, I think I think I can just leave it, yeah, with the yeah.","start":1518.095,"end":1522.23,"sentiment":"neutral","sentiment_score":-0.006509937545550721},{"text":"Mhmm.","start":1522.37,"end":1522.87,"sentiment":"neutral","sentiment_score":0.019560061395168304},{"text":"Mhmm.","start":1530.61,"end":1531.11,"sentiment":"neutral","sentiment_score":-0.15427935123443604},{"text":"Yep.","start":1545.0951,"end":1545.5951,"sentiment":"neutral","sentiment_score":0.030527692288160324}],"sentiment":"neutral","sentiment_score":-0.015688444953411818,"num_words":18,"start":1510.095,"end":1545.5951},{"sentences":[{"text":"Yep.","start":1549.22,"end":1549.72,"sentiment":"neutral","sentiment_score":0.019096313044428825},{"text":"Mhmm.","start":1566.265,"end":1566.765,"sentiment":"neutral","sentiment_score":-0.0009658425115048884},{"text":"Mhmm.","start":1570.745,"end":1571.245,"sentiment":"neutral","sentiment_score":0.004630211275070906},{"text":"Mhmm.","start":1574.49,"end":1574.99,"sentiment":"neutral","sentiment_score":0.030274640768766403},{"text":"Yep.","start":1575.13,"end":1575.63,"sentiment":"neutral","sentiment_score":0.059532951563596725}],"sentiment":"neutral","sentiment_score":0.022513654828071595,"num_words":5,"start":1549.22,"end":1575.63},{"sentences":[{"text":"It's alright.","start":1585.69,"end":1586.33,"sentiment":"neutral","sentiment_score":0.047889070585370064},{"text":"Yeah.","start":1586.33,"end":1586.595,"sentiment":"neutral","sentiment_score":0.05113833770155907},{"text":"Yep.","start":1587.075,"end":1587.575,"sentiment":"neutral","sentiment_score":0.05556205660104752},{"text":"Yep.","start":1588.755,"end":1589.255,"sentiment":"neutral","sentiment_score":0.17587904632091522},{"text":"Yep.","start":1589.395,"end":1589.895,"sentiment":"neutral","sentiment_score":0.3182871341705322}],"sentiment":"neutral","sentiment_score":0.11610745266079903,"num_words":6,"start":1585.69,"end":1589.895},{"sentences":[{"text":"Uh-huh.","start":1595.5549,"end":1596.0549,"sentiment":"neutral","sentiment_score":0.07498433440923691},{"text":"Mhmm.","start":1606.1499,"end":1606.23,"sentiment":"neutral","sentiment_score":0.06498066335916519},{"text":"Yep.","start":1606.23,"end":1606.73,"sentiment":"neutral","sentiment_score":0.09333880990743636},{"text":"No.","start":1620.0951,"end":1620.415,"sentiment":"neutral","sentiment_score":-0.13682997226715088},{"text":"I think I'm pretty okay for now.","start":1620.415,"end":1622.5951,"sentiment":"neutral","sentiment_score":-0.13085234590939113}],"sentiment":"neutral","sentiment_score":-0.07449932599609549,"num_words":11,"start":1595.5549,"end":1622.5951},{"sentences":[{"text":"Yeah.","start":1622.895,"end":1623.135,"sentiment":"neutral","sentiment_score":0.06135350465774536},{"text":"Yeah.","start":1623.135,"end":1623.635,"sentiment":"neutral","sentiment_score":0.0939781442284584},{"text":"Uh-huh.","start":1625.6951,"end":1626.1951,"sentiment":"neutral","sentiment_score":0.038549404591321945},{"text":"Yeah.","start":1627.535,"end":1628.035,"sentiment":"neutral","sentiment_score":0.3247377872467041},{"text":"Mhmm.","start":1628.7201,"end":1629.2201,"sentiment":"neutral","sentiment_score":0.18824386596679688}],"sentiment":"neutral","sentiment_score":0.14137254133820534,"num_words":5,"start":1622.895,"end":1629.2201},{"sentences":[{"text":"Yep.","start":1636.0801,"end":1636.48,"sentiment":"neutral","sentiment_score":0.1438780426979065},{"text":"Okay.","start":1636.48,"end":1636.88,"sentiment":"neutral","sentiment_score":0.16058506071567535},{"text":"Yep.","start":1636.88,"end":1637.28,"sentiment":"neutral","sentiment_score":0.22195544838905337},{"text":"Thank you.","start":1637.28,"end":1638.02,"sentiment":"positive","sentiment_score":0.6736783683300018},{"text":"Yep.","start":1641.3109,"end":1641.5509,"sentiment":"positive","sentiment_score":0.35958176851272583}],"sentiment":"positive","sentiment_score":0.37222617616256076,"num_words":6,"start":1636.0801,"end":1641.5509},{"sentences":[{"text":"Thank you.","start":1641.5509,"end":1642.2909,"sentiment":"positive","sentiment_score":0.6197450757026672},{"text":"Yep.","start":1643.0709,"end":1643.5709,"sentiment":"neutral","sentiment_score":0.14641837775707245},{"text":"Alright.","start":1645.0709,"end":1645.5509,"sentiment":"neutral","sentiment_score":0.2920958399772644},{"text":"Thanks.","start":1645.5509,"end":1646.0509,"sentiment":"positive","sentiment_score":0.3884345293045044},{"text":"Thank you.","start":1646.6709,"end":1647.3109,"sentiment":"positive","sentiment_score":0.4714089334011078}],"sentiment":"positive","sentiment_score":0.4298938236066273,"num_words":7,"start":1641.5509,"end":1647.3109},{"sentences":[{"text":"Bye.","start":1647.3109,"end":1647.8109,"sentiment":"neutral","sentiment_score":0.1754094362258911}],"sentiment":"neutral","sentiment_score":0.1754094362258911,"num_words":1,"start":1647.3109,"end":1647.8109}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Jessica. This is Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: So thank you.\n\nChannel 0: That's good. I had you booked in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. Fine. How long does it usually take roughly?\n\nChannel 0: Depends on sort of what we need to go through. I can normally do it as quickly as possible in around sort of fifteen minutes to twenty minutes if there's, you know, not as much to kinda go through.\n\nChannel 1: Uh-huh. Yep. Yep.\n\nChannel 0: But if you do have additional questions, it can take\n\nChannel 1: Mhmm.\n\nChannel 0: a bit longer, around half an hour.\n\nChannel 1: Mhmm. Mhmm. Yeah.\n\nChannel 0: But I can sort of touch on it as fast as possible to make it easier if that's more convenient for you.\n\nChannel 1: Yeah. It's just that I've got a cool pickup to go there. I wanna\n\nChannel 0: Oh,\n\nChannel 1: just\n\nChannel 0: of\n\nChannel 1: look before\n\nChannel 0: course.\n\nChannel 1: that. I think I think, yeah, thirty minutes twenty five minutes should be about okay. Mhmm.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: That's not a problem. I'll touch on the things that I need to, go through what we have to. And then if we need to sort of reschedule and come back again, we can always do that. That's not\n\nChannel 1: Mhmm.\n\nChannel 0: a problem.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Jessica, I do also send through a copy of your annual review documents to you to review as I'm going through things. Are you able to access your emails? If you can't, that's honestly okay.\n\nChannel 1: Mhmm.\n\nChannel 0: I can run\n\nChannel 1: Yep.\n\nChannel 0: through it, then you're able to look at it later. What's your preference?\n\nChannel 1: Yeah. You can send it to my email. That's fine.\n\nChannel 0: Beautiful. I've sent\n\nChannel 1: Yep.\n\nChannel 0: it through there for you. Fantastic.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Now before we jump into the call, I do have to let you know we do record our calls moving\n\nChannel 1: Yep.\n\nChannel 0: forward for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I just need to do security there with you as well. We are discussing your personal information, so I'll confirm your full name, your date of birth, and address on file, if you could.\n\nChannel 1: Okay. Jessica Ji Young Lee. Address, 21000 Avenue, Parramatta 2074, and date of birth is nine twelve October nineteen eighty two.\n\nChannel 0: Beautiful. Thank you so much for that. Jessica, are are you able to open up that email as of yet? Does it come through, or did you want me just to start by running through the documents? What's easier for yourself there?\n\nChannel 1: Yeah. If you could just start. Yep.\n\nChannel 0: Run through? Yeah. That's fine.\n\nChannel 1: Mhmm.\n\nChannel 0: You can always have a look at them later if you like. All the documents I'll be going through are in there for you to review.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, just to kinda start and look at your super balance to begin with. So when we\n\nChannel 1: Mhmm.\n\nChannel 0: sort of did the last annual review there, your balance is sitting at a $150,419.56. As of your super balance as of today's date, we're sitting here at a $170,322.64. So you see the balance has increased since you last sent your review, which is good.\n\nChannel 1: Yep.\n\nChannel 0: When we sort of look at how the investments have been performing overall, this year has been a little bit rough, a little bit up and down there. And it looks like now there's no contributions going into your super at the moment. I've got\n\nChannel 1: Yeah.\n\nChannel 0: down a note that says you're you're self employed. Is that right?\n\nChannel 1: Yeah. So I have to make the voluntary contributions that I haven't been doing.\n\nChannel 0: Uh-huh. That's okay. That's\n\nChannel 1: Yeah.\n\nChannel 0: understandable. No. That's we can talk more about that and sort of look at that for you. It's not an issue. But just sort of being open and honest with you, this year has been a little bit up and down with the markets.\n\nAnd because there isn't any contributions\n\nChannel 1: Mhmm.\n\nChannel 0: going in, it is\n\nChannel 1: Mhmm.\n\nChannel 0: essentially\n\nChannel 1: Yep.\n\nChannel 0: up to the portfolio to kind of make things work. You have been getting quite a bit of income. So income, when we break that down, is, like, dividends that are paid out of the investments and re reinvested back into the portfolio. So you have made over $2,697 with income within the portfolio. So that is a good aspect there.\n\nAs per the return, overall, because the growth is showing down a little bit, you are under as showing a negative return to 0.54\n\nChannel 1: Okay.\n\nChannel 0: percent for this year, but you still have had income which is being redistributed back. So it is a good asset. It's just that being open and honest, the portfolio is down a little bit currently. A\n\nChannel 1: Yeah.\n\nChannel 0: lot of it is just to do with the market ups and downs there at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: The other thing I sort of wanted to bring to the forefront there for you was we sent through an email to you around about March. Do you remember receiving a little record of advice in the email there and a bit of information around a certain investment? That's okay. Essentially, you originally had the Benelon Australian Equities investment within your portfolio, and that was a a more of an actively managed fund. That investment earlier this year had been underperforming a little bit.\n\nSo we have\n\nChannel 1: Yeah.\n\nChannel 0: made the change and moved that out of your portfolio, essentially. As soon as our investment committee had looked at that and decide discovered it was underperforming, we made the switch there for you. That all happened around about March this year. So it did mean that we swapped that out and replaced it with something else. We have replaced that with the BetaShares Australian 200 exchange traded funds.\n\nSo that's essentially giving you exposure to the top 200 companies on the ASX. And since doing that, your portfolio has shown a little bit of a recovery just in the Australian equities component side of things. So what I would probably like to do moving forward is just keep monitoring that, look at it for maybe another sort of six months, and then we come back and review those investments again and see if we need to maybe update or make any further changes. Does that make sense? Do you have any questions around any of that at all?\n\nChannel 1: No. No.\n\nChannel 0: That's okay? Excellent. Beautiful. You will have your portfolio performance report and, obviously, your updated balance within that email there. So if you find you do have additional questions, please let me know.\n\nWhen with the the sort of going back to the contribution side of things, you may have mentioned that you haven't been able to make contributions. Is that something that you are able to and wanting to do moving forward, or is it still not possible to make those additional contributions to Super?\n\nChannel 1: I'm not sure. Yeah. So I\n\nChannel 0: Okay.\n\nChannel 1: don't know. Yeah. So maybe maybe not for the immediate future.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's okay. Is that something you'd like to maybe review in six months when we come back and review the portfolio again?\n\nChannel 1: Yeah. Maybe. Yeah. Yep.\n\nChannel 0: Yep. Yep. That's okay. Not a problem at all. So I'll just note here, so six months review to talk about contributions in\n\nChannel 1: Mhmm.\n\nChannel 0: detail. Fantastic. And you've mentioned that you're self employed there as well. What do you do for work? What is your business?\n\nOh,\n\nChannel 1: No. I'm I'm an optometrist. I locum. So,\n\nChannel 0: yep.\n\nChannel 1: yeah, self employed.\n\nChannel 0: Beautiful. Beautiful. Fantastic. And how many hours are you roughly working on a weekly basis? Is it sort of standard every week the same sort of hours, or does it\n\nChannel 1: It so they can fluctuate, but I do I only work part time because I've got two kids.\n\nChannel 0: Yeah.\n\nChannel 1: So I\n\nChannel 0: Yeah.\n\nChannel 1: do what do I do? About I I do I do very part time. It's, like, five days or fortnight. They're\n\nChannel 0: Okay.\n\nChannel 1: my regular,\n\nChannel 0: Beautiful.\n\nChannel 1: but then sometimes I would do more days, like, depending on, like, when people need specific cover today. Like, because\n\nChannel 0: Yes.\n\nChannel 1: I've got friends for optometrist, and they have their practice and they're like, oh, they're going on a holiday. So I'll I'll just do random days, you know, here\n\nChannel 0: Yep.\n\nChannel 1: and there, but they're not\n\nChannel 0: Yep.\n\nChannel 1: regular. Yeah.\n\nChannel 0: No. That's okay. That's not a problem at all. It sounds like you've got your hands full with working and kids as well. All good.\n\nI'm just confirming here that you are married as well. Is that correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. And just running down the page to add a few additional details there for you. Income wise, what do you expect to sort of earn this financial year?\n\nDo you know?\n\nChannel 1: Just for myself?\n\nChannel 0: Yeah. Just for yourself. Yeah.\n\nChannel 1: This financial year. Probably, maybe, like, '80.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Fantastic. Excellent. I'll just make a note here that we'll revisit contributions down the track there. That's not a problem at all.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. Now the other thing to sort of talk about is the insurances that you do have. So at the moment, you've got your life and TPD cover. That's through BP Life. The current sum insured for your life cover that you've got is 1,273,084.\n\nChannel 1: Yes.\n\nChannel 0: If you think about the level of cover you have at the moment, if you were to and I do do apologize. I try to be sensitive to this, but hypothetically, with the cover you have today, if you were to pass away today, your life benefit is paid out, but then your super benefit is paid out on top of that. So it's an extra $170,322.64 there. It essentially shows\n\nChannel 1: Mhmm.\n\nChannel 0: that overall your life benefit, you're you're insured for 1,400,000 or a little over 1,400,000 there.\n\nChannel 1: Yep.\n\nChannel 0: Do you feel that that's fairly appropriate level of cover that you might have? Did you wanna look at reviewing that at all?\n\nChannel 1: I think that's okay. Well, is it I I don't know how because that's it's the first, I think, life insurance I've picked up.\n\nChannel 0: Ever had? Yeah.\n\nChannel 1: Yeah. Yeah. So I\n\nChannel 0: That's\n\nChannel 1: I don't know\n\nChannel 0: okay.\n\nChannel 1: what's average or what's below or what's above. So\n\nChannel 0: Yeah. That's okay. That's absolutely fine. So let's have a look at what it is that you would realistically like to cover. So I believe I've got your mortgage here as well.\n\nHow much\n\nChannel 1: Mhmm.\n\nChannel 0: do you owe on your mortgage currently?\n\nChannel 1: I think we still got maybe just under 800 k on\n\nChannel 0: Okay.\n\nChannel 1: it.\n\nChannel 0: Beautiful. So if we looked at the level of cover you have, if in the event that you were to pass away, are you wanting the mortgage to be covered, or what sort of debts are you wanting to sort of have paid?\n\nChannel 1: I guess so. Yeah.\n\nChannel 0: Yeah. Well, if you looked at that and say, just base it on 800,000, because you\n\nChannel 1: Mhmm.\n\nChannel 0: said you owe just a little bit under that at the moment,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: if you take that 1,400,000, subtract off the 800,000, it essentially leaves around about 643,000 there. Now in the event of claiming on life cover, are you wanting those funds to be paid out to your husband so that he can be looking after your kids and your family? Is that kind of what you're wanting to happen to those funds?\n\nChannel 1: No. Yeah. Probably.\n\nChannel 0: Yeah. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Yeah.\n\nChannel 0: And if we look at your income, say, based that on because, realistically, you guys live as a family in a household with a joint income and expenditures are all sort of based on that. So if you then took that 643,000 and you divide that by your expected income of 80,000, it would\n\nChannel 1: Mhmm.\n\nChannel 0: essentially mean that if you passed away today with the life cover that would pay out the mortgage free and clear, leave him debt debt free so they could live in the house comfortably, and then replace your current income for an additional eight years on top of that. Do you feel like at the moment that would provide sufficient cover to give him some time off to think about what to do to cover the mortgage and look after the kids for a couple of years, or what how do you feel?\n\nChannel 1: Yeah. I I guess so because he he worked as well, so it's not like he doesn't have any income.\n\nChannel 0: Yep. Yep. So\n\nChannel 1: Yeah.\n\nChannel 0: that would just\n\nChannel 1: Yeah.\n\nChannel 0: provide additional support for him, basically.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Yep. Beautiful. The other side to look at that is that once our mortgage is completely free and clear, if you guys are paying, you know, 6 or $700 on a weekly basis for the mortgage,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: having that life benefit paid out clearing the mortgage means it's an extra 6 or $700 that he actually doesn't have to worry about after that point. So\n\nChannel 1: Yep.\n\nChannel 0: that could essentially mean that your income or, you know, the the money left over to cover your income could actually last ten or eleven or twelve years. It could actually go further than that. So\n\nChannel 1: Mhmm.\n\nChannel 0: because expenditure would decrease with not having a mortgage repayment to worry about. So, yeah, I mean, that's something for you to definitely think about, but you're comfortable with that level of cover at the moment.\n\nChannel 1: Yep. Yeah. I think so. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I think so. Yeah. I think so. But\n\nChannel 0: That's\n\nChannel 1: yeah. Yeah.\n\nChannel 0: that's okay. What I would probably suggest to do is we've got we'll do a review in about six months just to catch up and see how things are going. We can always go back over the level of cover\n\nChannel 1: Mhmm.\n\nChannel 0: in the time between now and then. If you are sort of thinking about it and mulling it over, just sort of looking at what you might like that to cover. Then when we kinda catch up, if you wanted to reevaluate it or, you know, look deeper at it, we can absolutely do that. Does that sound okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Beautiful. Excellent. Now you've got the same level of TBD, so it's total permanent disability cover. Do you understand how TPD works, what it pays, what the benefit is?\n\nChannel 1: No. Yes. She's good. Yeah.\n\nChannel 0: That's okay. So TPD is total permanent disability cover, and it pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again.\n\nChannel 1: Mhmm.\n\nChannel 0: Essentially, for TPD, your level of cover is the same as your life, so you're 1,200,000 there. And then under permanent capacity, we can also claim against your super as well if you are TBD.\n\nChannel 1: Yes.\n\nChannel 0: You know, based on sort of what you do for work and everything, do you feel like that TBD benefit that you have at the moment is fairly sufficient for you?\n\nChannel 1: I think so. Yeah. Mhmm.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you don't have any income protection or trauma cover. Has anyone ever spoken to you about what those additional types of insurances are, how they pay, how they work?\n\nChannel 1: No. I haven't really looked into that one.\n\nChannel 0: That's okay. So we'll start with income protection. So income protection, if you have it, essentially pays out like a lump sum a monthly lump sum benefit for you, which is in the shortest term to cover expenditure. With income protection, you can't cover a 100% of your income. They have a maximum 70% of your income that you're able to cover under the current legislation around that side of thing.\n\nIt pays out a just an income stream, a regular income stream on a monthly basis to cover your income if you're unable to go to work in the short term. So say, for example, you broke your leg and weren't able to, you know, go in and do any of your work. You if you were\n\nChannel 1: Mhmm.\n\nChannel 0: off for a certain period of time, you could then claim on the income protection side of things. When you think about your spouse's\n\nChannel 1: Yes.\n\nChannel 0: income, if you were not able to work in the short term, does his income come in does that cover all of your expenses if you weren't able to earn an income as well?\n\nChannel 1: Maybe. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely something to think about. Generally speaking, with income protection, it is a larger cost of your insurances. We could look at that down the track if you did want to. It might be worth having a bit of a think about that, you know, with him, look at his income coming in and look at the expenses going out to sort of work out that if you weren't able to go to work, you know, if you were off sick due to illness or injury, you know, would you have enough to sort of fall back on? Do you guys have anything in the way of savings or anything in the offset account or anything sick leave or annually that you could sort of fall back on?\n\nI know you're self employed, so you probably don't have a lot of leave entitlement there. But do you have anything\n\nChannel 1: Yeah.\n\nChannel 0: else that you could fall back on if you were not able to work in the short term? Yep.\n\nChannel 1: Yeah. We do have some some savings, I guess. My\n\nChannel 0: Yep.\n\nChannel 1: house my\n\nChannel 0: Do\n\nChannel 1: husband\n\nChannel 0: you see?\n\nChannel 1: is also self employed, so we don't we don't have any sick leave or annual leave, unfortunately. Yeah.\n\nChannel 0: Yeah. Understandable. Understandable.\n\nChannel 1: Mhmm.\n\nChannel 0: No. That's absolutely okay. Do you feel like at the moment you're comfortable with the way things are not having income protection, or did you wanna look at maybe applying for some and looking at whether income protection benefit could be appropriate to you?\n\nChannel 1: Probably,\n\nChannel 0: We can\n\nChannel 1: we're\n\nChannel 0: re\n\nChannel 1: okay for now, but maybe we'll look back. Can we do\n\nChannel 0: yeah.\n\nChannel 1: that in\n\nChannel 0: In\n\nChannel 1: the next review?\n\nChannel 0: six Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, it's just sort of giving you food for\n\nChannel 1: Yep.\n\nChannel 0: thought as well. So today,\n\nChannel 1: Yep.\n\nChannel 0: we don't have to kinda go any further, but it's kinda giving you something to sort of think about whilst you are sort of at home, looking at your family, making sure that things are covered.\n\nChannel 1: Yeah.\n\nChannel 0: And then when we review things in six months, we can always come back and do additional advice. If you decide you wanna catch up prior to that six months, you just let me\n\nChannel 1: Mhmm.\n\nChannel 0: know. We'll make that happen for you.\n\nChannel 1: Yep.\n\nChannel 0: It's not a problem. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Beautiful. Now there are other types of cover for you to think about as well. There are things like trauma and child trauma, which can pay out a lump sum tax free benefit if you were to be diagnosed with a major traumatic condition. And child trauma pays that if your child is diagnosed with a major traumatic condition.\n\nI think cancer is probably one of the biggest ones that people claim on.\n\nChannel 1: Mhmm.\n\nChannel 0: Or in the sad event that your child passes away, child trauma also pays out as a life insurance policy. Some people do like to take out additional insurances to cover in the event of those sorts of things. Other people, not so much. The income protection can be held inside super the same as your life and TPD can.\n\nChannel 1: Mhmm.\n\nChannel 0: However, the trauma policies and child trauma policies, they are an external expense, so it does have to be paid out of your back pocket. So a lot of people don't have those sorts of covers because they just can't afford to pay the premiums out of the back pocket.\n\nChannel 1: Yes.\n\nChannel 0: But it is something to sort of think about. And if you wanna sit down the track and look at reviewing those sorts of covers, you're welcome to let me know, and I'll\n\nChannel 1: Mhmm.\n\nChannel 0: make a note to touch notes for you then as well. How does that\n\nChannel 1: Yep.\n\nChannel 0: sound?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Fantastic. Just touching there on your other assets and liabilities. With your main primary\n\nChannel 1: A\n\nChannel 0: residence there currently, what kind of value would you put on that, do you think?\n\nChannel 1: house.\n\nChannel 0: Yeah.\n\nChannel 1: I think right now, maybe around 2.5 millimeters.\n\nChannel 0: 2.5? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. And you said you've got some savings there as well. How much do you guys have in savings?\n\nChannel 1: I'm not sure the exact figure.\n\nChannel 0: No. That's okay. Just a rough amount.\n\nChannel 1: I think hold on. Let me think.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. Maybe maybe around a 100 k.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And is that sitting in, like, an offset account offsetting the interest you're paying on your mortgage or in just a normal savings account?\n\nChannel 1: Yeah. Some some in normal savings. Some just in cash. Some yeah. Just in offset as\n\nChannel 0: Yep.\n\nChannel 1: well here.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: No problem. But also some\n\nChannel 1: Mhmm.\n\nChannel 0: in the offset.\n\nChannel 1: Mhmm.\n\nChannel 0: Fantastic. Other assets to note down as well, things like your cars. What kind of car do you drive?\n\nChannel 1: I've got an Audi q seven.\n\nChannel 0: Beautiful. Beautiful. Fantastic. And what sort of value would you put on that vehicle, do you think?\n\nChannel 1: Oh, it's it's five years old now, so I don't I don't know.\n\nChannel 0: That's okay. Not a problem. I think last time we were able to sort of touch base, the the value was about 40,000. Do you think maybe sort of 30 or 20 might be appropriate or\n\nChannel 1: Yeah.\n\nChannel 0: more close to 40 still?\n\nChannel 1: Probably. I don't know. Probably, yeah, 30. Probably\n\nChannel 0: Yeah.\n\nChannel 1: gone down. Yeah.\n\nChannel 0: Yeah. That's okay. Not a problem at all. And the only other thing I had noted here originally was a car loan owing about 45,000. Do you still have a car loan at all?\n\nChannel 1: Oh, no. No.\n\nChannel 0: Nope.\n\nChannel 1: We don't\n\nChannel 0: That's\n\nChannel 1: have\n\nChannel 0: okay.\n\nChannel 1: a tablet. No.\n\nChannel 0: Beautiful. Is there any other assets or liabilities that you'd sorta wanna note down? Anything else of value?\n\nChannel 1: Well no. It's my husband's car, so I I don't know. That's probably not my asset, I guess.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: How much would you value that at, do you think,\n\nChannel 1: No.\n\nChannel 0: and what kind of car is it?\n\nChannel 1: He's he's got BYDU to be got it because of the because the fuel prices are so so high.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. So\n\nChannel 0: Yes.\n\nChannel 1: he\n\nChannel 0: Yes.\n\nChannel 1: he is good for his work. Yeah. But I don't I don't think it's worth that\n\nChannel 0: Yep.\n\nChannel 1: that much.\n\nChannel 0: No. That's okay. That's absolutely fine. Is that recently purchased? Is it?\n\nOr\n\nChannel 1: Yes. Yeah. So he got\n\nChannel 0: Yeah.\n\nChannel 1: it under a year. Yeah.\n\nChannel 0: Okay. Beautiful. And what sort of purchase price would that have had?\n\nChannel 1: I I how much was it? Maybe it was around\n\nChannel 0: Sorry.\n\nChannel 1: 70. I think it maybe was around 70 or 60. I\n\nChannel 0: Yeah.\n\nChannel 1: can't even remember. Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: I promise you. I can ask you all the questions you probably never thought about answering. Yeah. No. All good.\n\nWell, thank you for updating those details there for me. I do appreciate that. We'll definitely come back and revisit those again when we catch up in six months' time there. The other things to sort of look at here, and I know you're very time poor at the moment, so I'm very sorry. I tried to sort of speed things up a little bit for\n\nChannel 1: Mhmm.\n\nChannel 0: you. With your estate planning, have yourself and your husband ever done up a will, power of attorney? Have you seen a solicitor to draw up those sorts of documents or a guardianship? Have you ever completed\n\nChannel 1: No.\n\nChannel 0: anything like that?\n\nChannel 1: We haven't.\n\nChannel 0: No?\n\nChannel 1: But that's something that we've been talking about because, like, we're starting\n\nChannel 0: Oh, good.\n\nChannel 1: well, it's not we're not getting really old, but, you know, I think\n\nChannel 0: Yes.\n\nChannel 1: it's pretty important\n\nChannel 0: Yeah.\n\nChannel 1: to have that kinda looked at.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. And and, look, it's definitely not just for old people. It's more also for everyone. I mean, realistically, you both work so very hard. You're both self employed.\n\nAnd, you know, everything you've worked for, your home, your savings, your cars, your contents, and your children, if anything was to happen to either of you, there is still technically a probate process that needs to be sort of followed through. So\n\nChannel 1: Yep.\n\nChannel 0: by having a will that directs you know, if you want everything just directed to each other in that instance, it's a good thing to have that nominated and set up in a will. And then,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, accounting for if something was to happen to the two of you, noting that you could also account for powers of attorneys and making sure you're able to stipulate who makes decisions for you if you are medically incapacitated and unable to make decisions on your own. And, also, looking at guardianships, they're having two very small children. If anything happened to the two of you, where do you want your children to go, who do you want to look after them, and what directions do you have for those those parties? So having those sorts of things are very important even at a younger age. We do have\n\nChannel 1: Yep.\n\nChannel 0: your beneficiary on file, which accounts for your sleep and your life insurance policy.\n\nChannel 1: Mhmm.\n\nChannel 0: Just confirming, I believe it's your husband. Can I confirm his name?\n\nChannel 1: It's Sehulyunle, s e h y u n l, double\n\nChannel 0: Beautiful.\n\nChannel 1: e. Yep.\n\nChannel 0: Yep. Lovely. So a 100% here binding, non lapsing paid to spouse in the event that something happens. And you're happy with those beneficiary nominations and how they are structured?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. All good. Fantastic. Well, thank you for updating those details there for me.\n\nChannel 1: Mhmm.\n\nChannel 0: The last thing to sorta look at is, obviously, goal wise. So we had down here originally that when you with your super that you're hoping to be able to access super, you sorta had here 67 years of age. Is that sort of what you're hoping? Are you hoping to be able to access super early than 67? What's your goal age for wanting to access super at the moment?\n\nChannel 1: Well, how how early can I access it?\n\nChannel 0: At the moment, the legislation is 60. So if you\n\nChannel 1: 60.\n\nChannel 0: retire at the age of 60, you're able to access your super wholly and\n\nChannel 1: Mhmm.\n\nChannel 0: tax free.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Probably probably 60 then.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Don't wanna work any longer than you have to. I love it. The 60 years of age, they're beautiful. In those your time years, I know it is, you know, a good sixteen years down the track there, but have you sort of thought about what you'd like to spend your time doing? What would you like to do in the when you retire and stop work?\n\nChannel 1: Maybe do a bit of traveling.\n\nChannel 0: I love that. Anywhere\n\nChannel 1: Yeah.\n\nChannel 0: specific you'd like to go?\n\nChannel 1: I don't know. Places we haven't been to,\n\nChannel 0: I love that. That's I love that. That's\n\nChannel 1: I\n\nChannel 0: fantastic.\n\nChannel 1: guess.\n\nChannel 0: Beautiful. Excellent. And the only other thing to sort of touch on is your risk profile. So within your super fund at the moment, you are in that growth environment. So that generally sees about 80% of your super invested in growth assets.\n\nSo these are things like Australian shares, international shares, property is another one, and then also precious metals like gold and silver.\n\nChannel 1: Mhmm.\n\nChannel 0: Those are the sorts of investments that tend to get you higher growth over the longer term. You are taking a bit more risk in the market to have those of investments in your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: But you do also have generally about 20% low risk defensive investments with things like cash, bonds, and fixed interest as well. In that kind of growth environment, we are looking to, as a risk profile, obtain around about seven to 9% on a yearly basis compounding that forward. This sort of environment does suit someone who has at least six years before accessing their sleep, but you've got well and truly more than that ahead of you there. And we understand there is a likelihood of a negative return because markets go up, markets go down. So the likelihood of a negative return is expected kind of one in every five years there.\n\nDid\n\nChannel 1: Mhmm.\n\nChannel 0: you wanna look at reevaluating your risk profile? Do you feel comfortable with where you are at the moment? How do you sort of feel about that?\n\nChannel 1: Well, I think I think I can just leave it, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: with the yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Absolutely. Look. You're the same age as me, honestly. We have a bit of time ahead of us. As much as sixteen years doesn't feel like it, it is a long\n\nChannel 1: Mhmm.\n\nChannel 0: time away, especially when we look at markets and investments. I know you do have to go in a minute. So I do wanna let you know that the last couple of documents in that DocuSign are your ongoing services agreement with us. You do\n\nChannel 1: Yep.\n\nChannel 0: pay us an ongoing service fee of 1.65% per annum.\n\nChannel 1: Yep.\n\nChannel 0: Moving forward, that fee will become more of a tiered structure. So when your balance hits over 200,000, you drop into the lower tier, which means that this tier would drop slightly. So having a balance over 200,000 means you go from 1.65% to 1.375. So we kind of\n\nChannel 1: Mhmm.\n\nChannel 0: wanted to make it more of a tiered structure and make it more of a dollar fee there as well. But\n\nChannel 1: Mhmm.\n\nChannel 0: that's for our services for looking after your super, managing things in the\n\nChannel 1: Mhmm.\n\nChannel 0: background, and\n\nChannel 1: Yep.\n\nChannel 0: providing ongoing advice to support you as we work towards your goals there. Do you have any questions about the ongoing service fee or how that works?\n\nChannel 1: It's alright. Yeah.\n\nChannel 0: Or that's\n\nChannel 1: Yep.\n\nChannel 0: okay. It's the same as the last few years.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I've also got in there the financial services guide, which outlines all the details on us.\n\nChannel 1: Uh-huh.\n\nChannel 0: When you do get some time there, if you can have a review of the email, sign the documents, and return them back, and I'll make sure that we do a catch up in about six months' time. Is that okay with you?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Beautiful. Do you have any questions? I know I touch on a lot in a short time there, Jessica. Is there anything else that I maybe have missed that I haven't touched on that you wanted to talk about today or any questions that have come from any of that?\n\nChannel 1: No. I think I'm pretty okay\n\nChannel 0: No?\n\nChannel 1: for now.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: okay. The bells are about to ring, so\n\nChannel 1: Uh-huh.\n\nChannel 0: I will let you go. I appreciate your\n\nChannel 1: Yeah.\n\nChannel 0: time,\n\nChannel 1: Mhmm.\n\nChannel 0: and I will make sure we catch up in the next few months and revisit those the insurances and the super side of things for you. Okay?\n\nChannel 1: Yep. Okay. Yep. Thank you.\n\nChannel 0: No worries. I hope you kids have a great afternoon. Hope you\n\nChannel 1: Yep.\n\nChannel 0: had a\n\nChannel 1: Thank\n\nChannel 0: good day\n\nChannel 1: you.\n\nChannel 0: at\n\nChannel 1: Yep.\n\nChannel 0: school. Thanks, Jessica.\n\nChannel 1: Alright.\n\nChannel 0: I'll talk\n\nChannel 1: Thanks.\n\nChannel 0: to you soon.\n\nChannel 1: Thank\n\nChannel 0: See\n\nChannel 1: you.\n\nChannel 0: you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.03975136578083038}],"sentiment":"neutral","sentiment_score":0.03975136578083038,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Hi, Jessica.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.14459124207496643},{"text":"This is Dana from Okie Financial.","start":3.84,"end":5.7,"sentiment":"neutral","sentiment_score":0.20120147615671158},{"text":"How are you this afternoon?","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.2650681048631668}],"sentiment":"neutral","sentiment_score":0.21705629733892587,"channel":0,"num_words":13,"start":3.04,"end":6.98},{"sentences":[{"text":"So thank you.","start":7.2799997,"end":8.26,"sentiment":"positive","sentiment_score":0.6844322482744852}],"sentiment":"positive","sentiment_score":0.6844322482744852,"channel":1,"num_words":3,"start":7.2799997,"end":8.26},{"sentences":[{"text":"That's good.","start":8.639999,"end":9.28,"sentiment":"positive","sentiment_score":0.7922960519790649},{"text":"I had you booked in to go through your annual review today.","start":9.28,"end":11.44,"sentiment":"positive","sentiment_score":0.4603055417537689},{"text":"Is now still a good time there for 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take","start":28.19,"end":30.59,"sentiment":"neutral","sentiment_score":-0.04255773238837719}],"sentiment":"neutral","sentiment_score":-0.04255773238837719,"channel":0,"num_words":10,"start":28.19,"end":30.59},{"sentences":[{"text":"Mhmm.","start":30.45,"end":30.95,"sentiment":"neutral","sentiment_score":-0.03646375238895416}],"sentiment":"neutral","sentiment_score":-0.03646375238895416,"channel":1,"num_words":1,"start":30.45,"end":30.95},{"sentences":[{"text":"a bit longer, around half an 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kind of make things work.","start":193.315,"end":196.44,"sentiment":"neutral","sentiment_score":0.12083999142050743},{"text":"You have been getting quite a bit of income.","start":196.68001,"end":198.76001,"sentiment":"neutral","sentiment_score":0.2525746143526501},{"text":"So income, when we break that down, is, like, dividends that are paid out of the investments and re reinvested back into the portfolio.","start":198.76001,"end":205.66,"sentiment":"neutral","sentiment_score":0.16018090986957154},{"text":"So you have made over $2,697 with income within the portfolio.","start":205.8,"end":211.025,"sentiment":"positive","sentiment_score":0.37011838365684857},{"text":"So that is a good aspect there.","start":211.025,"end":212.885,"sentiment":"positive","sentiment_score":0.6229439122336251}],"sentiment":"neutral","sentiment_score":0.258324965346055,"channel":0,"num_words":61,"start":193.315,"end":212.885},{"sentences":[{"text":"As per the return, overall, because the growth is showing 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you.","start":447.145,"end":450.745,"sentiment":"neutral","sentiment_score":0.2073200354973475},{"text":"Income wise, what do you expect to sort of earn this financial year?","start":450.745,"end":454.105,"sentiment":"neutral","sentiment_score":0.056029076473071024}],"sentiment":"neutral","sentiment_score":0.16525578486823267,"channel":0,"num_words":31,"start":445.545,"end":454.105},{"sentences":[{"text":"Do you know?","start":454.105,"end":454.845,"sentiment":"neutral","sentiment_score":0.02025831863284111}],"sentiment":"neutral","sentiment_score":0.02025831863284111,"channel":0,"num_words":3,"start":454.105,"end":454.845},{"sentences":[{"text":"Just for myself?","start":456.665,"end":457.565,"sentiment":"neutral","sentiment_score":0.027441969141364098}],"sentiment":"neutral","sentiment_score":0.027441969141364098,"channel":1,"num_words":3,"start":456.665,"end":457.565},{"sentences":[{"text":"Yeah.","start":459.16,"end":459.4,"sentiment":"neutral","sentiment_score":0.03482078015804291},{"text":"Just for yourself.","start":459.4,"end":460.28,"sentiment":"neutral","sentiment_score":0.03788708088298639},{"text":"Yeah.","start":460.28,"end":460.78,"sentiment":"neutral","sentiment_score":0.036140136420726776}],"sentiment":"neutral","sentiment_score":0.036924431845545766,"channel":0,"num_words":5,"start":459.16,"end":460.78},{"sentences":[{"text":"This financial year.","start":461.305,"end":462.745,"sentiment":"neutral","sentiment_score":0.025662326564391453},{"text":"Probably, maybe, like, '80.","start":462.745,"end":466.82,"sentiment":"neutral","sentiment_score":0.024946318473666906}],"sentiment":"neutral","sentiment_score":0.025253179083977426,"channel":1,"num_words":7,"start":461.305,"end":466.82},{"sentences":[{"text":"Okay.","start":467.48,"end":467.98,"sentiment":"neutral","sentiment_score":0.14935791492462158},{"text":"Beautiful.","start":468.12,"end":468.62,"sentiment":"positive","sentiment_score":0.3515932261943817}],"sentiment":"neutral","sentiment_score":0.25047557055950165,"channel":0,"num_words":2,"start":467.48,"end":468.62},{"sentences":[{"text":"Yeah.","start":468.32,"end":468.82,"sentiment":"neutral","sentiment_score":0.21484094858169556},{"text":"Yeah.","start":469.12,"end":469.62,"sentiment":"neutral","sentiment_score":0.33226656913757324}],"sentiment":"neutral","sentiment_score":0.2735537588596344,"channel":1,"num_words":2,"start":468.32,"end":469.62},{"sentences":[{"text":"Fantastic.","start":470.12,"end":470.62,"sentiment":"positive","sentiment_score":0.59734046459198},{"text":"Excellent.","start":471.16,"end":471.66,"sentiment":"positive","sentiment_score":0.5417172908782959},{"text":"I'll just make a note here that we'll revisit contributions down the track there.","start":472.105,"end":475.465,"sentiment":"neutral","sentiment_score":0.28677483967372347},{"text":"That's not a problem at all.","start":475.465,"end":477.08502,"sentiment":"neutral","sentiment_score":0.31647244095802307}],"sentiment":"neutral","sentiment_score":0.32057909802957013,"channel":0,"num_words":22,"start":470.12,"end":477.08502},{"sentences":[{"text":"Mhmm.","start":477.19998,"end":477.69998,"sentiment":"neutral","sentiment_score":0.10612928867340088}],"sentiment":"neutral","sentiment_score":0.10612928867340088,"channel":1,"num_words":1,"start":477.19998,"end":477.69998},{"sentences":[{"text":"Excellent.","start":477.86502,"end":478.36502,"sentiment":"neutral","sentiment_score":0.22567224502563477},{"text":"Now the other thing to sort of talk about is the insurances that you do have.","start":478.58502,"end":482.025,"sentiment":"neutral","sentiment_score":0.039058835012838244},{"text":"So at the moment, you've got your life and TPD cover.","start":482.025,"end":485.005,"sentiment":"neutral","sentiment_score":0.03509593230079521},{"text":"That's through BP Life.","start":485.31,"end":486.85,"sentiment":"neutral","sentiment_score":0.043839696794748306},{"text":"The current sum insured for your life cover that you've got is 1,273,084.","start":487.23,"end":493.89,"sentiment":"neutral","sentiment_score":0.04165571168638193}],"sentiment":"neutral","sentiment_score":0.04341226443648338,"channel":0,"num_words":45,"start":477.86502,"end":493.89},{"sentences":[{"text":"Yes.","start":494.14,"end":494.64,"sentiment":"neutral","sentiment_score":0.02142457477748394}],"sentiment":"neutral","sentiment_score":0.02142457477748394,"channel":1,"num_words":1,"start":494.14,"end":494.64},{"sentences":[{"text":"If you think about the level of cover you have at the moment, if you were to and I do do apologize.","start":494.43,"end":499.115,"sentiment":"neutral","sentiment_score":-0.03999879253520207},{"text":"I try to be sensitive to this, but hypothetically, with the cover you have today, if you were to pass away today, your life benefit is paid out, but then your super benefit is paid out on top of that.","start":499.115,"end":510.07498,"sentiment":"neutral","sentiment_score":-0.028473681909963487},{"text":"So it's an extra $170,322.64 there.","start":510.07498,"end":515.14,"sentiment":"neutral","sentiment_score":0.053952550515532494},{"text":"It essentially shows","start":515.28,"end":516.24,"sentiment":"neutral","sentiment_score":0.04203751931587855}],"sentiment":"neutral","sentiment_score":-0.022099899311720485,"channel":0,"num_words":71,"start":494.43,"end":516.24},{"sentences":[{"text":"Mhmm.","start":516.145,"end":516.645,"sentiment":"neutral","sentiment_score":0.0332554467022419}],"sentiment":"neutral","sentiment_score":0.0332554467022419,"channel":1,"num_words":1,"start":516.145,"end":516.645},{"sentences":[{"text":"that overall your life benefit, you're you're insured for 1,400,000 or a little over 1,400,000 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if we look at your income, say, based that on because, realistically, you guys live as a family in a household with a joint income and expenditures are all sort of based on that.","start":613.105,"end":622.625,"sentiment":"neutral","sentiment_score":-0.0172211262264422},{"text":"So if you then took that 643,000 and you divide that by your expected income of 80,000, it would","start":622.625,"end":630.16,"sentiment":"neutral","sentiment_score":-0.013620450406482345}],"sentiment":"neutral","sentiment_score":-0.015954221771271142,"channel":0,"num_words":54,"start":613.105,"end":630.16},{"sentences":[{"text":"Mhmm.","start":629.885,"end":630.385,"sentiment":"neutral","sentiment_score":-0.015852374956011772}],"sentiment":"neutral","sentiment_score":-0.015852374956011772,"channel":1,"num_words":1,"start":629.885,"end":630.385},{"sentences":[{"text":"essentially mean that if you passed away today with the life cover that would pay out the mortgage free and clear, leave him debt debt free so 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then.","start":721.39,"end":722.83,"sentiment":"neutral","sentiment_score":0.038990037249667306},{"text":"If you are sort of thinking about it and mulling it over, just sort of looking at what you might like that to cover.","start":722.83,"end":727.735,"sentiment":"neutral","sentiment_score":0.06524827967708309},{"text":"Then when we kinda catch up, if you wanted to reevaluate it or, you know, look deeper at it, we can absolutely do that.","start":728.13495,"end":733.975,"sentiment":"neutral","sentiment_score":0.1380820336441199},{"text":"Does that sound 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a 100% here binding, non lapsing paid to spouse in the event that something happens.","start":1353.37,"end":1358.125,"sentiment":"neutral","sentiment_score":0.2714638654142618},{"text":"And you're happy with those beneficiary nominations and how they are structured?","start":1358.125,"end":1361.665,"sentiment":"positive","sentiment_score":0.39046642929315567}],"sentiment":"neutral","sentiment_score":0.32099085797866184,"channel":0,"num_words":30,"start":1352.49,"end":1361.665},{"sentences":[{"text":"Yep.","start":1362.19,"end":1362.69,"sentiment":"neutral","sentiment_score":0.1257539987564087}],"sentiment":"neutral","sentiment_score":0.1257539987564087,"channel":1,"num_words":1,"start":1362.19,"end":1362.69},{"sentences":[{"text":"Yep.","start":1363.165,"end":1363.665,"sentiment":"neutral","sentiment_score":0.20236331224441528},{"text":"Beautiful.","start":1363.725,"end":1364.225,"sentiment":"positive","sentiment_score":0.5818660259246826},{"text":"All 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day","start":1641.5801,"end":1641.9,"sentiment":"positive","sentiment_score":0.7250770330429077}],"sentiment":"positive","sentiment_score":0.7250770330429077,"channel":0,"num_words":2,"start":1641.5801,"end":1641.9},{"sentences":[{"text":"you.","start":1641.7909,"end":1642.2909,"sentiment":"positive","sentiment_score":0.5596944689750671}],"sentiment":"positive","sentiment_score":0.5596944689750671,"channel":1,"num_words":1,"start":1641.7909,"end":1642.2909},{"sentences":[{"text":"at","start":1641.9,"end":1642.0109,"sentiment":"neutral","sentiment_score":0.19868409633636477}],"sentiment":"neutral","sentiment_score":0.19868409633636477,"channel":0,"num_words":1,"start":1641.9,"end":1642.0109},{"sentences":[{"text":"Yep.","start":1643.0709,"end":1643.5709,"sentiment":"neutral","sentiment_score":0.14641837775707245}],"sentiment":"neutral","sentiment_score":0.14641837775707245,"channel":1,"num_words":1,"start":1643.0709,"end":1643.5709},{"sentences":[{"text":"school.","start":1644.0109,"end":1644.2509,"sentiment":"neutral","sentiment_score":0.15851888060569763},{"text":"Thanks, Jessica.","start":1644.2509,"end":1645.2308,"sentiment":"positive","sentiment_score":0.4518677145242691}],"sentiment":"positive","sentiment_score":0.3540847698847453,"channel":0,"num_words":3,"start":1644.0109,"end":1645.2308},{"sentences":[{"text":"Alright.","start":1645.0709,"end":1645.5509,"sentiment":"neutral","sentiment_score":0.2920958399772644}],"sentiment":"neutral","sentiment_score":0.2920958399772644,"channel":1,"num_words":1,"start":1645.0709,"end":1645.5509},{"sentences":[{"text":"I'll talk","start":1645.2909,"end":1645.6909,"sentiment":"neutral","sentiment_score":0.25393274426460266}],"sentiment":"neutral","sentiment_score":0.25393274426460266,"channel":0,"num_words":2,"start":1645.2909,"end":1645.6909},{"sentences":[{"text":"Thanks.","start":1645.5509,"end":1646.0509,"sentiment":"positive","sentiment_score":0.3884345293045044}],"sentiment":"positive","sentiment_score":0.3884345293045044,"channel":1,"num_words":1,"start":1645.5509,"end":1646.0509},{"sentences":[{"text":"to you soon.","start":1645.6909,"end":1646.5109,"sentiment":"positive","sentiment_score":0.35210326313972473}],"sentiment":"positive","sentiment_score":0.35210326313972473,"channel":0,"num_words":3,"start":1645.6909,"end":1646.5109},{"sentences":[{"text":"Thank","start":1646.6709,"end":1646.9109,"sentiment":"positive","sentiment_score":0.5066864490509033}],"sentiment":"positive","sentiment_score":0.5066864490509033,"channel":1,"num_words":1,"start":1646.6709,"end":1646.9109},{"sentences":[{"text":"See","start":1646.8109,"end":1646.9708,"sentiment":"positive","sentiment_score":0.5126549005508423}],"sentiment":"positive","sentiment_score":0.5126549005508423,"channel":0,"num_words":1,"start":1646.8109,"end":1646.9708},{"sentences":[{"text":"you.","start":1646.9109,"end":1647.3109,"sentiment":"positive","sentiment_score":0.43613141775131226}],"sentiment":"positive","sentiment_score":0.43613141775131226,"channel":1,"num_words":1,"start":1646.9109,"end":1647.3109},{"sentences":[{"text":"you later.","start":1646.9708,"end":1647.6309,"sentiment":"neutral","sentiment_score":0.3102935254573822}],"sentiment":"neutral","sentiment_score":0.3102935254573822,"channel":0,"num_words":2,"start":1646.9708,"end":1647.6309},{"sentences":[{"text":"Bye.","start":1647.3109,"end":1647.8109,"sentiment":"neutral","sentiment_score":0.1754094362258911}],"sentiment":"neutral","sentiment_score":0.1754094362258911,"channel":1,"num_words":1,"start":1647.3109,"end":1647.8109},{"sentences":[{"text":"Bye.","start":1648.1709,"end":1648.6709,"sentiment":"neutral","sentiment_score":-0.13269346952438354}],"sentiment":"neutral","sentiment_score":-0.13269346952438354,"channel":0,"num_words":1,"start":1648.1709,"end":1648.6709}]},"summary":{"result":"success","short":"Representatives from Okie Financial and K subsequentel Financial discuss the annual review of the customer's annual review and personal information. They recommend personal reviews of investments and personalized investment recommendations. The speakers discuss the benefits of life insurance coverage, including a paid life benefit and a paid super benefit, and emphasize the importance of having a will and accountants for potential risks. They also provide information on the customer's home, car, and other assets for their policy and suggest reviewing their coverage level to determine appropriate coverage. The conversation ends with pleasantries and goodbyes."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you?","start_word":19,"end_word":39,"intents":[{"intent":"Schedule annual review","confidence_score":0.120319985}]},{"text":"We are discussing your personal information, so I'll confirm your full name, your date of birth, and address on file, if you could. Okay.","start_word":342,"end_word":365,"intents":[{"intent":"Confirm personal information","confidence_score":0.5017371}]},{"text":"Thank you so much for that. Jessica, are are you able to open up that email as of yet? Does it come through, or did you want me just to start by running through the documents?","start_word":387,"end_word":422,"intents":[{"intent":"Access email","confidence_score":0.027458245}]},{"text":"Essentially, just to kinda start and look at your super balance to begin with. So when we Mhmm. sort of did the last annual review there, your balance is sitting at a $150,419.56. As of your super balance as of today's date, we're sitting here at a $170,322.64. So you see the balance has increased since you last sent your review, which is good. Yep.","start_word":468,"end_word":532,"intents":[{"intent":"Review super balance","confidence_score":0.48836568}]},{"text":"When we sort of look at how the investments have been performing overall, this year has been a little bit rough, a little bit up and down there. And it looks like now there's no contributions going into your super at the moment.","start_word":533,"end_word":575,"intents":[{"intent":"Look at investments","confidence_score":0.13232227}]},{"text":"So I have to make the voluntary contributions that I haven't been doing. Uh-huh.","start_word":592,"end_word":605,"intents":[{"intent":"Make voluntary contributions","confidence_score":0.38916433}]},{"text":"As per the return, overall, because the growth is showing down a little bit, you are under as showing a negative return to 0.54 Okay. percent for this year, but you still have had income which is being redistributed back. So it is a good asset. It's just that being open and honest, the portfolio is down a little bit currently. A Yeah.","start_word":729,"end_word":791,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.08093538}]},{"text":"When with the the sort of going back to the contribution side of things, you may have mentioned that you haven't been able to make contributions. Is that something that you are able to and wanting to do moving forward, or is it still not possible to make those additional contributions to Super? I'm not sure.","start_word":1102,"end_word":1157,"intents":[{"intent":"Explore potential contribution options","confidence_score":0.0000068090258}]},{"text":"Is that something you'd like to maybe review in six months when we come back and review the portfolio again? Yeah.","start_word":1178,"end_word":1198,"intents":[{"intent":"Review portfolio","confidence_score":0.6655975}]},{"text":"And you've mentioned that you're self employed there as well. What do you do for work? What is your business?","start_word":1228,"end_word":1247,"intents":[{"intent":"Discuss business practices","confidence_score":0.00039270587}]},{"text":"And you've mentioned that you're self employed there as well. What do you do for work? What is your business? Oh, No. I'm I'm an optometrist. I locum. So, yep. yeah, self employed. Beautiful.","start_word":1228,"end_word":1261,"intents":[{"intent":"Confirm if self-employed","confidence_score":0.0004491807}]},{"text":"And how many hours are you roughly working on a weekly basis?","start_word":1264,"end_word":1275,"intents":[{"intent":"Discuss work hours","confidence_score":0.20513497}]},{"text":"Now the other thing to sort of talk about is the insurances that you do have. So at the moment, you've got your life and TPD cover. That's through BP Life. The current sum insured for your life cover that you've got is 1,273,084. Yes.","start_word":1513,"end_word":1557,"intents":[{"intent":"Update insurance coverage levels","confidence_score":0.00021118358}]},{"text":"So if we looked at the level of cover you have, if in the event that you were to pass away, are you wanting the mortgage to be covered, or what sort of debts are you wanting to sort of have paid? I guess so.","start_word":1771,"end_word":1815,"intents":[{"intent":"Determine coverage options","confidence_score":0.0016662792}]},{"text":"What I would probably suggest to do is we've got we'll do a review in about six months just to catch up and see how things are going. We can always go back over the level of cover Mhmm.","start_word":2261,"end_word":2299,"intents":[{"intent":"Review coverage level","confidence_score":0.010575555}]},{"text":"So TPD is total permanent disability cover, and it pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again. Mhmm.","start_word":2399,"end_word":2432,"intents":[{"intent":"Inform about tdd benefits","confidence_score":0.0063353525}]},{"text":"It might be worth having a bit of a think about that, you know, with him, look at his income coming in and look at the expenses going out to sort of work out that if you weren't able to go to work, you know, if you were off sick due to illness or injury, you know, would you have enough to sort of fall back on?","start_word":2769,"end_word":2835,"intents":[{"intent":"Evaluate income and finances","confidence_score":0.00084186293}]},{"text":"Can we do yeah. that in In the next review? six Yeah.","start_word":3003,"end_word":3014,"intents":[{"intent":"Schedule a review","confidence_score":0.032982174}]},{"text":"And then when we review things in six months, we can always come back and do additional advice. If you decide you wanna catch up prior to that six months, you just let me Mhmm. know. We'll make that happen for you. Yep.","start_word":3070,"end_word":3112,"intents":[{"intent":"Obtain advice","confidence_score":0.00010169176}]},{"text":"Now there are other types of cover for you to think about as well. There are things like trauma and child trauma, which can pay out a lump sum tax free benefit if you were to be diagnosed with a major traumatic condition. And child trauma pays that if your child is diagnosed with a major traumatic condition. I think cancer is probably one of the biggest ones that people claim on. Mhmm.","start_word":3122,"end_word":3194,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.07370627}]},{"text":"Some people do like to take out additional insurances to cover in the event of those sorts of things. Other people, not so much.","start_word":3215,"end_word":3238,"intents":[{"intent":"Consider alternative options","confidence_score":0.00012577091}]},{"text":"How much do you guys have in savings?","start_word":3416,"end_word":3423,"intents":[{"intent":"Discuss savings amount","confidence_score":0.06744736}]},{"text":"What would you like to do in the when you retire and stop work?","start_word":4485,"end_word":4498,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.019342806}]},{"text":"Maybe do a bit of traveling. I love that.","start_word":4499,"end_word":4507,"intents":[{"intent":"Inquire about travel plans","confidence_score":0.0035944965}]},{"text":"And the only other thing to sort of touch on is your risk profile. So within your super fund at the moment, you are in that growth environment. So that generally sees about 80% of your super invested in growth assets. So these are things like Australian shares, international shares, property is another one, and then also precious metals like gold and silver. Mhmm.","start_word":4536,"end_word":4599,"intents":[{"intent":"Discuss risk profile","confidence_score":0.63620293}]},{"text":"You're the same age as me, honestly. We have a bit of time ahead of us.","start_word":4798,"end_word":4813,"intents":[{"intent":"Express comfortable age in investing portfolio","confidence_score":7.0430196e-11}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Jessica. This is Dana from Okie Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.19423852860927585},{"text":"So thank you. That's good. I had you booked in to go through your annual review today. Is now still a good time there for you?","start_word":14,"end_word":39,"sentiment":"positive","sentiment_score":0.5090184211730957},{"text":"Yeah. Fine. How long does it usually take roughly? Depends on sort of what we need to go through. I can normally do it as quickly as possible in around sort of fifteen minutes to twenty minutes if there's, you know, not as much to kinda go through. Uh-huh. Yep. Yep. But if you do have additional questions, it can take Mhmm. a bit longer, around half an hour. Mhmm. Mhmm. Yeah. But I can sort of touch on it as fast as possible to make it easier if that's more convenient for you. Yeah. It's just that I've got a cool pickup to go there. I wanna Oh, just of look before course. that. I think I think, yeah, thirty minutes twenty five minutes should be about okay. Mhmm. Yeah. That's okay. Yep. That's not a problem. I'll touch on the things that I need to, go through what we have to. And then if we need to sort of reschedule and come back again, we can always do that. That's not Mhmm. a problem. Yep.","start_word":40,"end_word":216,"sentiment":"neutral","sentiment_score":0.0929865464568138},{"text":"Excellent.","start_word":217,"end_word":217,"sentiment":"positive","sentiment_score":0.49466073513031006},{"text":"Jessica, I do also send through a copy of your annual review documents to you to review as I'm going through things. Are you able to access your emails? If you can't, that's honestly okay. Mhmm. I can run Yep. through it, then you're able to look at it later. What's your preference? Yeah. You can send it to my email. That's fine.","start_word":218,"end_word":280,"sentiment":"neutral","sentiment_score":0.13723115622997284},{"text":"Beautiful. I've sent Yep. it through there for you. Fantastic.","start_word":281,"end_word":290,"sentiment":"positive","sentiment_score":0.410055547952652},{"text":"Mhmm. Yep. Now before we jump into the call, I do have to let you know we do record our calls moving Yep. forward for training and quality purposes. Are you happy for me to proceed with that?","start_word":291,"end_word":328,"sentiment":"neutral","sentiment_score":0.21911481022834775},{"text":"Fantastic.","start_word":329,"end_word":329,"sentiment":"positive","sentiment_score":0.4755512475967407},{"text":"And I just need to do security there with you as well. We are discussing your personal information, so I'll confirm your full name, your date of birth, and address on file, if you could. Okay. Jessica Ji Young Lee. Address, 21000 Avenue, Parramatta 2074, and date of birth is nine twelve October nineteen eighty two.","start_word":330,"end_word":385,"sentiment":"neutral","sentiment_score":0.027252869680523872},{"text":"Beautiful. Thank you so much for that.","start_word":386,"end_word":392,"sentiment":"positive","sentiment_score":0.7502828240394592},{"text":"Jessica, are are you able to open up that email as of yet? Does it come through, or did you want me just to start by running through the documents? What's easier for yourself there? Yeah. If you could just start. Yep. Run through? Yeah. That's fine. Mhmm. You can always have a look at them later if you like. All the documents I'll be going through are in there for you to review. Yep. Essentially, just to kinda start and look at your super balance to begin with. So when we Mhmm. sort of did the last annual review there, your balance is sitting at a $150,419.56. As of your super balance as of today's date, we're sitting here at a $170,322.64. So you see the balance has increased since you last sent your review, which is good. Yep. When we sort of look at how the investments have been performing overall, this year has been a little bit rough, a little bit up and down there. And it looks like now there's no contributions going into your super at the moment. I've got Yeah. down a note that says you're you're self employed. Is that right? Yeah. So I have to make the voluntary contributions that I haven't been doing. Uh-huh. That's okay. That's Yeah. understandable. No. That's we can talk more about that and sort of look at that for you. It's not an issue. But just sort of being open and honest with you, this year has been a little bit up and down with the markets. And because there isn't any contributions Mhmm. going in, it is Mhmm. essentially Yep. up to the portfolio to kind of make things work. You have been getting quite a bit of income. So income, when we break that down, is, like, dividends that are paid out of the investments and re reinvested back into the portfolio.","start_word":393,"end_word":710,"sentiment":"neutral","sentiment_score":0.04724166347241064},{"text":"So you have made over $2,697 with income within the portfolio. So that is a good aspect there.","start_word":711,"end_word":728,"sentiment":"positive","sentiment_score":0.4612803459167481},{"text":"As per the return, overall, because the growth is showing down a little bit, you are under as showing a negative return to 0.54 Okay. percent for this year, but you still have had income which is being redistributed back.","start_word":729,"end_word":768,"sentiment":"neutral","sentiment_score":-0.15917544066905975},{"text":"So it is a good asset.","start_word":769,"end_word":774,"sentiment":"positive","sentiment_score":0.38123273849487305},{"text":"It's just that being open and honest, the portfolio is down a little bit currently. A Yeah. lot of it is just to do with the market ups and downs there at the moment. Mhmm. The other thing I sort of wanted to bring to the forefront there for you was we sent through an email to you around about March. Do you remember receiving a little record of advice in the email there and a bit of information around a certain investment? That's okay. Essentially, you originally had the Benelon Australian Equities investment within your portfolio, and that was a a more of an actively managed fund. That investment earlier this year had been underperforming a little bit. So we have Yeah. made the change and moved that out of your portfolio, essentially. As soon as our investment committee had looked at that and decide discovered it was underperforming, we made the switch there for you. That all happened around about March this year. So it did mean that we swapped that out and replaced it with something else. We have replaced that with the BetaShares Australian 200 exchange traded funds. So that's essentially giving you exposure to the top 200 companies on the ASX. And since doing that, your portfolio has shown a little bit of a recovery just in the Australian equities component side of things. So what I would probably like to do moving forward is just keep monitoring that, look at it for maybe another sort of six months, and then we come back and review those investments again and see if we need to maybe update or make any further changes. Does that make sense? Do you have any questions around any of that at all? No. No. That's okay?","start_word":775,"end_word":1070,"sentiment":"neutral","sentiment_score":-0.007702860101818334},{"text":"Excellent. Beautiful. You will have your portfolio performance report and, obviously, your updated balance within that email there.","start_word":1071,"end_word":1088,"sentiment":"positive","sentiment_score":0.5005636811256409},{"text":"So if you find you do have additional questions, please let me know. When with the the sort of going back to the contribution side of things, you may have mentioned that you haven't been able to make contributions. Is that something that you are able to and wanting to do moving forward, or is it still not possible to make those additional contributions to Super? I'm not sure. Yeah. So I Okay. don't know. Yeah. So maybe maybe not for the immediate future. Okay. Yeah. Yeah. That's okay. Is that something you'd like to maybe review in six months when we come back and review the portfolio again? Yeah. Maybe. Yeah. Yep. Yep. Yep. That's okay. Not a problem at all. So I'll just note here, so six months review to talk about contributions in Mhmm. detail.","start_word":1089,"end_word":1226,"sentiment":"neutral","sentiment_score":0.007294866256415844},{"text":"Fantastic.","start_word":1227,"end_word":1227,"sentiment":"positive","sentiment_score":0.36420994997024536},{"text":"And you've mentioned that you're self employed there as well. What do you do for work? What is your business? Oh, No. I'm I'm an optometrist. I locum. So, yep. yeah, self employed.","start_word":1228,"end_word":1260,"sentiment":"neutral","sentiment_score":0.029773561283946037},{"text":"Beautiful. Beautiful. Fantastic.","start_word":1261,"end_word":1263,"sentiment":"positive","sentiment_score":0.3753651976585388},{"text":"And how many hours are you roughly working on a weekly basis? Is it sort of standard every week the same sort of hours, or does it It so they can fluctuate, but I do I only work part time because I've got two kids. Yeah. So I Yeah. do what do I do? About I I do I do very part time. It's, like, five days or fortnight. They're Okay. my regular, Beautiful. but then sometimes I would do more days, like, depending on, like, when people need specific cover today. Like, because Yes. I've got friends for optometrist, and they have their practice and they're like, oh, they're going on a holiday. So I'll I'll just do random days, you know, Yep. here and there, but they're not Yep. regular. Yeah. No. That's okay.","start_word":1264,"end_word":1399,"sentiment":"neutral","sentiment_score":0.010079556528259726},{"text":"That's not a problem at all. It sounds like you've got your hands full with working and kids as well. All good.","start_word":1400,"end_word":1421,"sentiment":"positive","sentiment_score":0.5597856044769287},{"text":"I'm just confirming here that you are married as well. Is that correct? Yeah. Yep.","start_word":1422,"end_word":1436,"sentiment":"neutral","sentiment_score":0.2180302143096924},{"text":"Beautiful. Excellent.","start_word":1437,"end_word":1438,"sentiment":"positive","sentiment_score":0.5464769005775452},{"text":"And just running down the page to add a few additional details there for you. Income wise, what do you expect to sort of earn this financial year? Do you know? Just for myself? Yeah. Just for yourself. Yeah. This financial year. Probably, maybe, like, '80. Okay.","start_word":1439,"end_word":1485,"sentiment":"neutral","sentiment_score":0.08405011892318726},{"text":"Beautiful.","start_word":1486,"end_word":1486,"sentiment":"positive","sentiment_score":0.3515932261943817},{"text":"Yeah. Yeah.","start_word":1487,"end_word":1488,"sentiment":"neutral","sentiment_score":0.2735537588596344},{"text":"Fantastic. Excellent.","start_word":1489,"end_word":1490,"sentiment":"positive","sentiment_score":0.5695288777351379},{"text":"I'll just make a note here that we'll revisit contributions down the track there. That's not a problem at all. Mhmm. Excellent. Now the other thing to sort of talk about is the insurances that you do have. So at the moment, you've got your life and TPD cover. That's through BP Life. The current sum insured for your life cover that you've got is 1,273,084. Yes. If you think about the level of cover you have at the moment, if you were to and I do do apologize. I try to be sensitive to this, but hypothetically, with the cover you have today, if you were to pass away today, your life benefit is paid out, but then your super benefit is paid out on top of that. So it's an extra $170,322.64 there. It essentially shows Mhmm. that overall your life benefit, you're you're insured for 1,400,000 or a little over 1,400,000 there. Yep. Do you feel that that's fairly appropriate level of cover that you might have? Did you wanna look at reviewing that at all? I think that's okay. Well, is it I I don't know how because that's it's the first, I think, life insurance I've picked up. Ever had? Yeah. Yeah. Yeah. So I That's I don't know okay. what's average or what's below or what's above. So Yeah.","start_word":1491,"end_word":1715,"sentiment":"neutral","sentiment_score":0.02574104273484813},{"text":"That's okay. That's absolutely fine.","start_word":1716,"end_word":1720,"sentiment":"positive","sentiment_score":0.5830365419387817},{"text":"So let's have a look at what it is that you would realistically like to cover. So I believe I've got your mortgage here as well. How much Mhmm. do you owe on your mortgage currently? I think we still got maybe just under 800 k on Okay. it.","start_word":1721,"end_word":1769,"sentiment":"neutral","sentiment_score":0.04434119537472725},{"text":"Beautiful.","start_word":1770,"end_word":1770,"sentiment":"positive","sentiment_score":0.5469862222671509},{"text":"So if we looked at the level of cover you have, if in the event that you were to pass away, are you wanting the mortgage to be covered, or what sort of debts are you wanting to sort of have paid? I guess so. Yeah. Yeah. Well, if you looked at that and say, just base it on 800,000, because you Mhmm. said you owe just a little bit under that at the moment, Mhmm. Mhmm. if you take that 1,400,000, subtract off the 800,000, it essentially leaves around about 643,000 there. Now in the event of claiming on life cover, are you wanting those funds to be paid out to your husband so that he can be looking after your kids and your family? Is that kind of what you're wanting to happen to those funds? No. Yeah. Probably. Yeah. That's Yeah. okay. Yeah. And if we look at your income, say, based that on because, realistically, you guys live as a family in a household with a joint income and expenditures are all sort of based on that. So if you then took that 643,000 and you divide that by your expected income of 80,000, it would Mhmm. essentially mean that if you passed away today with the life cover that would pay out the mortgage free and clear, leave him debt debt free so they could live in the house comfortably, and then replace your current income for an additional eight years on top of that. Do you feel like at the moment that would provide sufficient cover to give him some time off to think about what to do to cover the mortgage and look after the kids for a couple of years, or what how do you feel? Yeah. I I guess so because he he worked as well, so it's not like he doesn't have any income. Yep. Yep. So Yeah. that would just Yeah. provide additional support for him, basically. Mhmm. Yeah. Yep.","start_word":1771,"end_word":2101,"sentiment":"neutral","sentiment_score":-0.0205668916875142},{"text":"Beautiful.","start_word":2102,"end_word":2102,"sentiment":"positive","sentiment_score":0.652265191078186},{"text":"The other side to look at that is that once our mortgage is completely free and clear, if you guys are paying, you know, 6 or $700 on a weekly basis for the mortgage, Mhmm. Yep.","start_word":2103,"end_word":2138,"sentiment":"neutral","sentiment_score":0.17328646779060364},{"text":"having that life benefit paid out clearing the mortgage means it's an extra 6 or $700 that he actually doesn't have to worry about after that point.","start_word":2139,"end_word":2165,"sentiment":"positive","sentiment_score":0.3383618891239166},{"text":"So Yep. that could essentially mean that your income or, you know, the the money left over to cover your income could actually last ten or eleven or twelve years. It could actually go further than that. So Mhmm. because expenditure would decrease with not having a mortgage repayment to worry about. So, yeah, I mean, that's something for you to definitely think about, but you're comfortable with that level of cover at the moment. Yep. Yeah. I think so. Yeah. Yeah. I think so. Yeah. I think so. But That's yeah. Yeah. that's okay. What I would probably suggest to do is we've got we'll do a review in about six months just to catch up and see how things are going. We can always go back over the level of cover Mhmm. in the time between now and then. If you are sort of thinking about it and mulling it over, just sort of looking at what you might like that to cover. Then when we kinda catch up, if you wanted to reevaluate it or, you know, look deeper at it, we can absolutely do that. Does that sound okay? Mhmm. Yep. Yep.","start_word":2166,"end_word":2361,"sentiment":"neutral","sentiment_score":0.1180667206645012},{"text":"Beautiful. Excellent.","start_word":2362,"end_word":2363,"sentiment":"positive","sentiment_score":0.612861156463623},{"text":"Now you've got the same level of TBD, so it's total permanent disability cover. Do you understand how TPD works, what it pays, what the benefit is? No. Yes. She's good. Yeah. That's okay. So TPD is total permanent disability cover, and it pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again. Mhmm. Essentially, for TPD, your level of cover is the same as your life, so you're 1,200,000 there. And then under permanent capacity, we can also claim against your super as well if you are TBD. Yes. You know, based on sort of what you do for work and everything, do you feel like that TBD benefit that you have at the moment is fairly sufficient for you? I think so. Yeah. Mhmm. Yeah. Absolutely. Mhmm. Now you don't have any income protection or trauma cover. Has anyone ever spoken to you about what those additional types of insurances are, how they pay, how they work? No. I haven't really looked into that one. That's okay. So we'll start with income protection. So income protection, if you have it, essentially pays out like a lump sum a monthly lump sum benefit for you, which is in the shortest term to cover expenditure. With income protection, you can't cover a 100% of your income. They have a maximum 70% of your income that you're able to cover under the current legislation around that side of thing. It pays out a just an income stream, a regular income stream on a monthly basis to cover your income if you're unable to go to work in the short term. So say, for example, you broke your leg and weren't able to, you know, go in and do any of your work. You if you were Mhmm. off for a certain period of time, you could then claim on the income protection side of things. When you think about your spouse's Yes. income, if you were not able to work in the short term, does his income come in does that cover all of your expenses if you weren't able to earn an income as well? Maybe. Yeah. Yeah. Yeah. Yeah. Definitely something to think about. Generally speaking, with income protection, it is a larger cost of your insurances. We could look at that down the track if you did want to. It might be worth having a bit of a think about that, you know, with him, look at his income coming in and look at the expenses going out to sort of work out that if you weren't able to go to work, you know, if you were off sick due to illness or injury, you know, would you have enough to sort of fall back on? Do you guys have anything in the way of savings or anything in the offset account or anything sick leave or annually that you could sort of fall back on? I know you're self employed, so you probably don't have a lot of leave entitlement there. But do you have anything Yeah. else that you could fall back on if you were not able to work in the short term? Yep. Yeah. We do have some some savings, I guess. My Yep. house my Do husband you see? is also self employed, so we don't we don't have any sick leave or annual leave, unfortunately. Yeah. Yeah. Understandable. Understandable. Mhmm. No. That's absolutely okay. Do you feel like at the moment you're comfortable with the way things are not having income protection, or did you wanna look at maybe applying for some and looking at whether income protection benefit could be appropriate to you? Probably, We can we're re okay for now, but maybe we'll look back. Can we do yeah. that in In the next review? six Yeah. Absolutely. Yeah. Essentially, it's just sort of giving you food for Yep. thought as well. So today, Yep. we don't have to kinda go any further, but it's kinda giving you something to sort of think about whilst you are sort of at home, looking at your family, making sure that things are covered. Yeah. And then when we review things in six months, we can always come back and do additional advice. If you decide you wanna catch up prior to that six months, you just let me Mhmm. know.","start_word":2364,"end_word":3105,"sentiment":"neutral","sentiment_score":0.026988680176989167},{"text":"We'll make that happen for you.","start_word":3106,"end_word":3111,"sentiment":"positive","sentiment_score":0.33382081985473633},{"text":"Yep.","start_word":3112,"end_word":3112,"sentiment":"neutral","sentiment_score":0.2916218042373657},{"text":"It's not a problem.","start_word":3113,"end_word":3116,"sentiment":"positive","sentiment_score":0.4062493443489074},{"text":"Okay? Yep. Yep.","start_word":3117,"end_word":3119,"sentiment":"neutral","sentiment_score":0.2478076914946238},{"text":"Excellent. Beautiful.","start_word":3120,"end_word":3121,"sentiment":"positive","sentiment_score":0.7322165966033936},{"text":"Now there are other types of cover for you to think about as well. There are things like trauma and child trauma, which can pay out a lump sum tax free benefit if you were to be diagnosed with a major traumatic condition. And child trauma pays that if your child is diagnosed with a major traumatic condition. I think cancer is probably one of the biggest ones that people claim on. Mhmm. Or in the sad event that your child passes away, child trauma also pays out as a life insurance policy. Some people do like to take out additional insurances to cover in the event of those sorts of things. Other people, not so much. The income protection can be held inside super the same as your life and TPD can. Mhmm. However, the trauma policies and child trauma policies, they are an external expense, so it does have to be paid out of your back pocket. So a lot of people don't have those sorts of covers because they just can't afford to pay the premiums out of the back pocket. Yes. But it is something to sort of think about. And if you wanna sit down the track and look at reviewing those sorts of covers, you're welcome to let me know, and I'll Mhmm. make a note to touch notes for you then as well. How does that Yep. sound? Yep. Yep. Yep. Mhmm. Fantastic. Just touching there on your other assets and liabilities. With your main primary A residence there currently, what kind of value would you put on that, do you think? house. Yeah. I think right now, maybe around 2.5 millimeters. 2.5? Yeah. Yep.","start_word":3122,"end_word":3403,"sentiment":"neutral","sentiment_score":-0.002408733824267983},{"text":"Beautiful. Excellent.","start_word":3404,"end_word":3405,"sentiment":"positive","sentiment_score":0.3723483979701996},{"text":"And you said you've got some savings there as well. How much do you guys have in savings? I'm not sure the exact figure. No. That's okay. Just a rough amount. I think hold on. Let me think. That's okay. Yeah. Maybe maybe around a 100 k. Okay. Yeah. Beautiful. And is that sitting in, like, an offset account offsetting the interest you're paying on your mortgage or in just a normal savings account? Yeah. Some some in normal savings. Some just in cash. Some yeah. Just in offset as Yep. well here. Yeah. That's okay. Yep. No problem. But also some Mhmm. in the offset.","start_word":3406,"end_word":3511,"sentiment":"neutral","sentiment_score":0.03704152041870468},{"text":"Fantastic.","start_word":3512,"end_word":3512,"sentiment":"positive","sentiment_score":0.5987247228622437},{"text":"Mhmm. Other assets to note down as well, things like your cars. What kind of car do you drive? I've got an Audi q seven.","start_word":3513,"end_word":3537,"sentiment":"neutral","sentiment_score":0.0912902131676674},{"text":"Beautiful. Beautiful. Fantastic.","start_word":3538,"end_word":3540,"sentiment":"positive","sentiment_score":0.6474027633666992},{"text":"And what sort of value would you put on that vehicle, do you think? Oh, it's it's five years old now, so I don't I don't know. That's okay. Not a problem. I think last time we were able to sort of touch base, the the value was about 40,000. Do you think maybe sort of 30 or 20 might be appropriate or Yeah. more close to 40 still? Probably. I don't know. Probably, yeah, 30. Probably Yeah. gone down. Yeah. Yeah. That's okay. Not a problem at all. And the only other thing I had noted here originally was a car loan owing about 45,000. Do you still have a car loan at all? Oh, no. No. Nope. We don't That's have okay. a tablet. No. Beautiful. Is there any other assets or liabilities that you'd sorta wanna note down? Anything else of value? Well no. It's my husband's car, so I I don't know. That's probably not my asset, I guess. No. That's okay. Yeah. How much would you value that at, do you think, No. and what kind of car is it? He's he's got BYDU to be got it because of the because the fuel prices are so so high. Yes. Yeah. So Yes. he Yes. he is good for his work. Yeah. But I don't I don't think it's worth that Yep. that much. No. That's okay. That's absolutely fine. Is that recently purchased? Is it? Or Yes. Yeah. So he got Yeah. it under a year. Yeah. Okay. Beautiful. And what sort of purchase price would that have had? I I how much was it? Maybe it was around Sorry. 70. I think it maybe was around 70 or 60. I Yeah. can't even remember. Yeah. That's okay. Yeah. I promise you. I can ask you all the questions you probably never thought about answering. Yeah. No.","start_word":3541,"end_word":3853,"sentiment":"neutral","sentiment_score":-0.000998835778607728},{"text":"All good. Well, thank you for updating those details there for me. I do appreciate that. We'll definitely come back and revisit those again when we catch up in six months' time there.","start_word":3854,"end_word":3886,"sentiment":"positive","sentiment_score":0.6194638609886169},{"text":"The other things to sort of look at here, and I know you're very time poor at the moment, so I'm very sorry. I tried to sort of speed things up a little bit for Mhmm. you. With your estate planning, have yourself and your husband ever done up a will, power of attorney? Have you seen a solicitor to draw up those sorts of documents or a guardianship? Have you ever completed No. anything like that? We haven't. No? But that's something that we've been talking about because, like, we're starting Oh, good. well, it's not we're not getting really old, but, you know, I think Yes. it's pretty important Yeah. to have that kinda looked at. Yeah. Yes. Yeah. Absolutely. And and, look, it's definitely not just for old people. It's more also for everyone. I mean, realistically, you both work so very hard. You're both self employed. And, you know, everything you've worked for, your home, your savings, your cars, your contents, and your children, if anything was to happen to either of you, there is still technically a probate process that needs to be sort of followed through. So Yep. by having a will that directs you know, if you want everything just directed to each other in that instance, it's a good thing to have that nominated and set up in a will. And then, Mhmm. obviously, accounting for if something was to happen to the two of you, noting that you could also account for powers of attorneys and making sure you're able to stipulate who makes decisions for you if you are medically incapacitated and unable to make decisions on your own. And, also, looking at guardianships, they're having two very small children. If anything happened to the two of you, where do you want your children to go, who do you want to look after them, and what directions do you have for those those parties? So having those sorts of things are very important even at a younger age. We do have Yep. your beneficiary on file, which accounts for your sleep and your life insurance policy. Mhmm. Just confirming, I believe it's your husband. Can I confirm his name? It's Sehulyunle, s e h y u n l, double Beautiful. e. Yep. Yep.","start_word":3887,"end_word":4269,"sentiment":"neutral","sentiment_score":0.025390141320174107},{"text":"Lovely.","start_word":4270,"end_word":4270,"sentiment":"positive","sentiment_score":0.42437535524368286},{"text":"So a 100% here binding, non lapsing paid to spouse in the event that something happens.","start_word":4271,"end_word":4286,"sentiment":"neutral","sentiment_score":0.265719473361969},{"text":"And you're happy with those beneficiary nominations and how they are structured?","start_word":4287,"end_word":4298,"sentiment":"positive","sentiment_score":0.395399808883667},{"text":"Yep. Yep.","start_word":4299,"end_word":4300,"sentiment":"neutral","sentiment_score":0.164058655500412},{"text":"Beautiful. All good. Fantastic. Well, thank you for updating those details there for me.","start_word":4301,"end_word":4314,"sentiment":"positive","sentiment_score":0.581678569316864},{"text":"Mhmm. The last thing to sorta look at is, obviously, goal wise. So we had down here originally that when you with your super that you're hoping to be able to access super, you sorta had here 67 years of age. Is that sort of what you're hoping? Are you hoping to be able to access super early than 67? What's your goal age for wanting to access super at the moment? Well, how how early can I access it? At the moment, the legislation is 60. So if you 60. retire at the age of 60, you're able to access your super wholly and Mhmm. tax free. Mhmm. Okay. Yeah. Probably probably 60 then. Yep. Yep. Don't wanna work any longer than you have to.","start_word":4315,"end_word":4440,"sentiment":"neutral","sentiment_score":0.01443782728165388},{"text":"I love it. The 60 years of age, they're beautiful.","start_word":4441,"end_word":4450,"sentiment":"positive","sentiment_score":0.5060561895370483},{"text":"In those your time years, I know it is, you know, a good sixteen years down the track there, but have you sort of thought about what you'd like to spend your time doing? What would you like to do in the when you retire and stop work? Maybe do a bit of traveling.","start_word":4451,"end_word":4504,"sentiment":"neutral","sentiment_score":0.04174225032329559},{"text":"I love that.","start_word":4505,"end_word":4507,"sentiment":"positive","sentiment_score":0.5692160129547119},{"text":"Anywhere Yeah. specific you'd like to go? I don't know. Places we haven't been to, I love that.","start_word":4508,"end_word":4525,"sentiment":"neutral","sentiment_score":0.09340544044971466},{"text":"That's I love that. That's I fantastic. guess. Beautiful. Excellent.","start_word":4526,"end_word":4535,"sentiment":"positive","sentiment_score":0.6182370185852051},{"text":"And the only other thing to sort of touch on is your risk profile. So within your super fund at the moment, you are in that growth environment. So that generally sees about 80% of your super invested in growth assets. So these are things like Australian shares, international shares, property is another one, and then also precious metals like gold and silver. Mhmm. Those are the sorts of investments that tend to get you higher growth over the longer term. You are taking a bit more risk in the market to have those of investments in your portfolio. Yep. But you do also have generally about 20% low risk defensive investments with things like cash, bonds, and fixed interest as well. In that kind of growth environment, we are looking to, as a risk profile, obtain around about seven to 9% on a yearly basis compounding that forward. This sort of environment does suit someone who has at least six years before accessing their sleep, but you've got well and truly more than that ahead of you there. And we understand there is a likelihood of a negative return because markets go up, markets go down. So the likelihood of a negative return is expected kind of one in every five years there. Did Mhmm. you wanna look at reevaluating your risk profile? Do you feel comfortable with where you are at the moment? How do you sort of feel about that? Well, I think I think I can just leave it, yeah, Yeah. with the yeah. Yeah. Mhmm. Absolutely. Look. You're the same age as me, honestly. We have a bit of time ahead of us. As much as sixteen years doesn't feel like it, it is a long Mhmm. time away, especially when we look at markets and investments. I know you do have to go in a minute. So I do wanna let you know that the last couple of documents in that DocuSign are your ongoing services agreement with us. You do Yep. pay us an ongoing service fee of 1.65% per annum. Yep. Moving forward, that fee will become more of a tiered structure. So when your balance hits over 200,000, you drop into the lower tier, which means that this tier would drop slightly. So having a balance over 200,000 means you go from 1.65% to 1.375. So we kind of Mhmm. wanted to make it more of a tiered structure and make it more of a dollar fee there as well. But Mhmm. that's for our services for looking after your super, managing things in the Mhmm. background, and Yep. providing ongoing advice to support you as we work towards your goals there. Do you have any questions about the ongoing service fee or how that works? It's alright. Yeah. Or that's Yep. okay. It's the same as the last few years. Yep.","start_word":4536,"end_word":5016,"sentiment":"neutral","sentiment_score":-0.01850320625974721},{"text":"Excellent.","start_word":5017,"end_word":5017,"sentiment":"positive","sentiment_score":0.480862021446228},{"text":"Yep.","start_word":5018,"end_word":5018,"sentiment":"neutral","sentiment_score":0.3182871341705322},{"text":"Beautiful.","start_word":5019,"end_word":5019,"sentiment":"positive","sentiment_score":0.5810546278953552},{"text":"I've also got in there the financial services guide, which outlines all the details on us. Uh-huh. When you do get some time there, if you can have a review of the email, sign the documents, and return them back, and I'll make sure that we do a catch up in about six months' time. Is that okay with you? Mhmm. Yep. Yep.","start_word":5020,"end_word":5082,"sentiment":"neutral","sentiment_score":0.13593658804893494},{"text":"Beautiful.","start_word":5083,"end_word":5083,"sentiment":"positive","sentiment_score":0.3985672295093536},{"text":"Do you have any questions? I know I touch on a lot in a short time there, Jessica. Is there anything else that I maybe have missed that I haven't touched on that you wanted to talk about today or any questions that have come from any of that? No. I think I'm pretty okay No? for now. That's Yeah. that's Yeah. okay. The bells are about to ring, so Uh-huh. I will let you go.","start_word":5084,"end_word":5159,"sentiment":"neutral","sentiment_score":0.03429048880934715},{"text":"I appreciate your Yeah.","start_word":5160,"end_word":5163,"sentiment":"positive","sentiment_score":0.49742650985717773},{"text":"time, Mhmm. and I will make sure we catch up in the next few months and revisit those the insurances and the super side of things for you. Okay? Yep. Okay. Yep.","start_word":5164,"end_word":5195,"sentiment":"neutral","sentiment_score":0.24975058436393735},{"text":"Thank you. No worries. I hope you kids have a great afternoon. Hope you Yep. had a Thank good day you.","start_word":5196,"end_word":5216,"sentiment":"positive","sentiment_score":0.6281702518463135},{"text":"at Yep. school.","start_word":5217,"end_word":5219,"sentiment":"neutral","sentiment_score":0.15916284918785095},{"text":"Thanks, Jessica.","start_word":5220,"end_word":5221,"sentiment":"positive","sentiment_score":0.4518676996231079},{"text":"Alright. I'll talk Thanks.","start_word":5222,"end_word":5225,"sentiment":"neutral","sentiment_score":0.2823321521282196},{"text":"to you soon. Thank See you. you later.","start_word":5226,"end_word":5233,"sentiment":"positive","sentiment_score":0.3930477797985077},{"text":"Bye. Bye.","start_word":5234,"end_word":5235,"sentiment":"neutral","sentiment_score":0.15442153811454773}],"average":{"sentiment":"neutral","sentiment_score":0.059042205286189864}}}}