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Mate, I've got a bit of a pack I'm gonna send through here just so you've got it there for the review. I'm just gonna start with the usual security check with you, if that's okay. Cool. So I'm registered with Atticus adviser 1273105. Could I just get your date of birth and address? Fantastic. Thank you very much for that, mate. How's your week been? Alright? I said, alrighty. Do I have much time with you this morning, or should I try and keep it nice and yeah. Cool. I won't take too long, mate. Just a couple of things I wanted to run by you that I'm looking to update. Now I'll send that pack through to you. It's just got the usual updated report, services guide, service agreement, and tax file declaration, and a bit of a summary of the super insurances there. But is there anything in particular that you wanted to get out of this year's review outside of what I had on the agenda? Perfect. So I was just gonna start with quickly updating a couple of your details just because we've got new system, and I just wanna make sure all this is accurate. Is that alright? Perfect. So we're looking towards a pretty strong retirement goal, $8.65, about $2,000 a week, just in terms of goals. So we're trying to grow the super as fast as possible for a little bit of an earlier retirement. And the main thing I can see here is a pretty big focus on, obviously, property and just try to sort of get into the property market, that kind of thing. Does it sound about right? Beautiful. We had you down as a chef earning about 190. Awesome. And you do a lot of staff training, operations type of thing, more so than kind of on the tool? Everything. Alright. Cool. Cool. Cool. We've got she's married with Brianna. Assets wise, two motor vehicles. We had about $8 in savings and about $12 in crypto. Cool. Any major changes there or any new loans or assets I can note down? Cool. Awesome. I'll just start with the easy things, then I'll jump into the super with you. When it comes to the insurance side, we had a a previous health episode where you had some surgery, a bit of, like, colonoscopy. But, yeah, I think you had a previous surgery on your right knee a while ago. Yep. Fair while ago. No sort of current issues that you can note? Beautiful. So what Woah. Did you say 70? Seven zero? Okay. That's fantastic. Dude, did you do that's sensational. Good on you, Nick. Mate, when it comes to the BMI side of things, what are you sitting at at the moment, Caleb? Twenty four point one. Holy diver. That's insane. Probably would have been a kid at the time based on on that. Wow. Okay. Easy done. So I just wanted to quickly ask you when it comes to the cover that you had. We had a bit of transfer terms going on. So we've moved across in insurances. You've got a little bit of life and TBD there, 800,000 of each, and that's the lump sum. No income protection, no trauma cover. The premiums for the insurance are sitting about 1,500, and they dropped down 15% with the rebate. So what I wanted to ask you was were you wanting me to look for any quotes for income protection or anything like that, or is it mainly just leave that alone and focus on the super? Well, you've got a pretty damn high income, so it depends on, like, how much you've Yep. And what's the I guess the main thing is priority wise, so you've got all this income going in. You're nice and healthy now. What are you trying to sort of get over the next five years? Yep. Right. Yes. Got you. Got you. Got you. So when it comes to the super side of things, so the government, when they went through and did their changes recently to tackle gains tax negative gearing, in order to get that across the board, they did an agreement with the Greens to cancel out the super properties for residential. So that's been yeah. It's been banned as of the tenth of octa August 10. The thing that we can look at then no. You can do commercial property, which is a little bit fancier, but not residential. Okay. Cool. Cool. So main thing would be just pulling in the savings and getting that first property on the run. And then from there, once you've got that first property, we can talk about, okay, once you built up a bit of equity, do we do some debt recycling, investing, other properties, and where we go long term? Cool. So I reckon definitely focus on the property side of things. When it comes to income protection, the question always comes down to, like, what are you actually protecting? Because you've got the big income, but it's not like, you know, if your income like, you're off work for six months because you get injured. What does that do for the family in terms of, you know, when you've got the mortgage and the kids and everything, they're reliant on that income. Is that one of those things where you just absorb it and then go back to work, or is that a serious concern? That's alright. I think the best thing to do at the moment is because you've had all the weight loss, the insurers tend to do this thing where they go, okay. Keep it off for a period of time. And for the big weight loss, they add back on half of it for the first twelve months. So what we basically should do is focus on build up the savings, get the property. And then once you've got that kind of mortgage there, you should be in a really good space to get some good pricing when it comes to income protection. Whereas if I did it now, they would still add on a little bit of loadings and and pricing prices, and and you don't have that debt yet. So I'm thinking maybe we do it in a few steps. Get the property, keep the weight off, and then I can do some really good quotes and see who's gonna offer you the best deal. Sound alright for you? Cool. When we come to that time, like, I'll flag it for the next review that we do. And if we're if if it's a go, we'll do a bit of a pre assessment where we just go a bit more in-depth with the health and the occupation, and then, anonymously, we'll shoot that around to all the insurers and see if it's gonna offer the best rating and the best health outcome. Cool. So I'll put a bit of a flag on the account for that one. And, yeah, just keep doing what you're doing. Keep building up the savings. And just quickly on that note, are you setting aside a certain amount regularly to build that up, or what's your cash flow been like? Okay. Cool. Cool. Yep. Okay. Alrighty. So $2.50 a week, build up the deposit. We'll check-in and see what we do. If at any point you wanna jump into the property market, we've got, obviously, a network of brokers, accountants, lawyers, even buyer's agents that can hunt around the country for you. So anything you need, I will flag that and get someone to help you out. Beautiful. Now because of that cash flow priority, I'm I'm assuming we're not gonna be looking at doing any contributions with or anything in addition to that, like salary sacrifice. Yeah. No worries. Yeah. Deal with the main things first, and then when things open up, we can come back to that. Did you ever wanna look at personal investing once you've got a property under the belt outside of crypto, or is that more just like a super property and and do that? Yep. Cool. Awesome. The only reason why I flagged that is because I do have some clients in the fund that you're in. So in Hub twenty four, they offer investment account alongside super accounts that are identical, and you can kind of have them linked together. They can reduce each other's fee, and you've got access to all those investment options, which it has the most options in the country. So it's just something that if you're interested in that, we can do that with you later as well. Cool. I definitely wouldn't say don't pull your cash into an investment account right now because they've just changed capital gains tax, and you probably don't wanna tie your funds up when you're saving for a property, if that makes sense. Beautiful. So I'll flag that again as maybe, like, in year three to five then, if that sounds okay. Beautiful. Now when it comes to the super, have you been keeping an eye on the hub login yourself or you just wait for the review pack? Yep. I think when you came on board back in 2024 into this account, you had some really strong growth years for that first two. And then this year, it's not been as much growth as the previous years. Obviously, March, we had the war in Iran kind of drop the stock market kind of thing. What's basically happened is gone from January. It went back up to $2.23, and then the war broke out, went down to 02/2004, and then it's jumped back up to 02/29. Really good contribution going in as well, of course, but there's some investments there that I'm sort of keeping my eye on that are a bit of a concern. So just quickly as a quick overview, so because you're in that that high growth space, 90% shares property gold, most of your super is in growth assets to get those high long term returns. Does that make sense? So when you've got all your super in mostly all your super in growth assets, goes up and down like a bit of a roller coaster ride, but the main aim is in a cycle, economy grows. You get five years where the super in the market go up ten, twenty, 30%, then there's a GFC, a COVID, whatever it is, and the market drops down. Once all of that's said and done, you're basically aiming for an average benchmark of about 10% or above. That's kind of your your long term average. Does that make sense? Cool. Now this one, it's done about half that for this twelve months, but it's still doing it over three, five, and ten years. But what I wanted to just flag with you is one of the investment options in particular. So you've got about nine different investments, and that's split between, like, property, gold, lithium, which incredible. Your electric vehicles have gone up 75%. Gold's up double digits. Everything's doing fantastic. Ben along Australian shares have had a bit of a drop. Now the reason why that one concerns me at the moment is because that's not performing in line with the Australian stock market. So the Australian stock market did go down, but it came back up. This one went down a little bit further, but didn't come back up as much. So what I'm sort of saying there is that out of nine options, one of them hasn't done so well. The rest of them, I don't see a problem with any of them. They're all doing fantastic. So what I wanna do is I need to do a bit of an engine tune up where I'm not gonna wait for this one to try and bounce back. When I've done the research on this one for your account, there's some concerns with the fund managers. They've lost a few people, and most of their talent kind of walked out the door. So what I'm thinking is I wanna do a bit of a switch out of that one option and get you a replacement for that one portion of the super. What I wanted to gauge with you is because Hub's got 1,300 options there, I kinda need to whittle it down just a little bit. Do you have a preference between low fees or higher fees to get a higher return? Okay. So what that basically means is most of the options are pretty low fees in there. The Australian shares one that's not doing so well. I basically need to find a like for like replacement in that active spot. So I've got a couple I've been researching that I've got on the the back end that we're looking at, and all I'm gonna do is just do an updated comparison for you, show you the differences between them. It's a bit cheaper, bit better performance. It has been outperforming the Australian market. And when I mix that into the portfolio, it kind of brings you back up to that kind of 12% average that you're looking for. Cool. So I'll do that there. Are you still comfortable with the idea of, you know, staying high growth and getting all the growth out of it now, and then when you get closer to retirement, focusing on protecting it? Reason why I say that is because it goes up and down quite a bit. Now that you've built $200 up, anytime we get a 10 or 20% return, we're talking 25 to 50,000. It's going up and down in those directions. Now that so you go for it, man? Opposite. So now that you've built the base up, when we get those really good returns, it's gonna be a huge balance increase. So what tends to happen is, let's say, the world ships to bed tomorrow and we have another GST. Your balance will actually go from $2.30 back to, like, $1.80, and then before you know it, it's 300,000 the next year. That's the the level of volatility we're talking about. Yep. Okay. And then once we've built up that million dollars or whatever the target is and you're about ten years off retirement, then we start reducing the risk level and go from 90% growth, eighty, seventy, 60, fifty, forty, and there's your pension account to retire on. Perfect. So I won't do any salary sacrifice for this year's updated plan. I'll go through and update that investment option for you and show you the differences there, and we'll keep it high growth for the time being. Now there's probably no point looking at changing super funds at this point. Hub hasn't changed its fees or features or anything like that unless you want me to look around. But I think if I can get a good option mixed in yep. Cool. Alrighty. So that gives me a bit of a direction there. And, again, like I said, I won't touch the insurances until a little bit later. We'll basically let you build up your savings first, see how the health goes in twelve month time, then we'll revisit some income protection. Once you got the property, we might talk about doing a bit of an investment account after that. Awesome. How does that sound for you? Perfect. Any questions on that so far? I know I just kind of went a bit bit quick and info done. Gotcha. Beautiful. So what I'll do is I'm just about to go on a tiny bit of leave. Just had a newborn baby there, so I'm just taking a bit of leave off. And as soon as I get back yeah. Mate, if I'm slowing my words a little bit, a little bit long, please. We're getting there. I will flag in for the team to book you in to go through that updated strategy. As soon as I get back, they'll pretty much just do those comparisons and update your strategy projections and then just keep an ear out for them to kind of book you in to go through that with me. Outside of that, so I'll update all the notes there with that kind of one three five year plan. The pack that I've sent through to you, again, it's just got the summary of the super and the insurances, the updated service agreement. Quick heads up on the overview services. So the usual fee for us is at 1.65 percent spread throughout the year on the monthly payment. But next year, Barton's Debbie, they've been coming up with a bit of a keyed fee structure. So everybody above 200,000 is gonna start to get some percentage discount, you know, like 200 to 500,000, 500,000 to a million. So this service agreement is exactly the same as the last one, but next year, there should be some discount applied. So lucky last one is just tax file number. Cybersecurity issues were pretty right the last couple of years, so we're just doing an opt in form for us to hold your tax code number on one document rather than six digital systems for the hackers to grab. So I have included that in there, and I just wanna make sure you're comfortable with that. Beautiful. Any questions for me before I let you go back to your weekend? Easy done. I will get right back into it and talk to you in a couple of weeks' time. Thank you very much, mate. It's number three. The boys are kind of smitten, but I I know I'll be happy when I'm 60, and they're all sitting around the bed there. But at the moment, it's just just get through the next few months, and it should be. Thank you so much for your time today, Nate. You too. 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So Tommy here again from both of you, mate. Have I caught you at a better time? Mate, fantastic. It's a beautiful week.\n\nHappy Friday. Yep. Alrighty. Mate, I've got a bit of a pack I'm gonna send through here just so you've got it there for the review. I'm just gonna start with the usual security check with you, if that's okay.\n\nCool. So I'm registered with Atticus adviser 1273105. Could I just get your date of birth and address? Fantastic. Thank you very much for that, mate.\n\nHow's your week been? Alright? I said, alrighty. Do I have much time with you this morning, or should I try and keep it nice and yeah. Cool.\n\nI won't take too long, mate. Just a couple of things I wanted to run by you that I'm looking to update. Now I'll send that pack through to you. It's just got the usual updated report, services guide, service agreement, and tax file declaration, and a bit of a summary of the super insurances there. But is there anything in particular that you wanted to get out of this year's review outside of what I had on the agenda?\n\nPerfect. So I was just gonna start with quickly updating a couple of your details just because we've got new system, and I just wanna make sure all this is accurate. Is that alright? Perfect. So we're looking towards a pretty strong retirement goal, $8.65, about $2,000 a week, just in terms of goals.\n\nSo we're trying to grow the super as fast as possible for a little bit of an earlier retirement. And the main thing I can see here is a pretty big focus on, obviously, property and just try to sort of get into the property market, that kind of thing. Does it sound about right? Beautiful. We had you down as a chef earning about 190.\n\nAwesome. And you do a lot of staff training, operations type of thing, more so than kind of on the tool? Everything. Alright. Cool.\n\nCool. Cool. We've got she's married with Brianna. Assets wise, two motor vehicles. We had about $8 in savings and about $12 in crypto.\n\nCool. Any major changes there or any new loans or assets I can note down? Cool. Awesome. I'll just start with the easy things, then I'll jump into the super with you.\n\nWhen it comes to the insurance side, we had a a previous health episode where you had some surgery, a bit of, like, colonoscopy. But, yeah, I think you had a previous surgery on your right knee a while ago. Yep. Fair while ago. No sort of current issues that you can note?\n\nBeautiful. So what Woah. Did you say 70? Seven zero? Okay.\n\nThat's fantastic. Dude, did you do that's sensational. Good on you, Nick. Mate, when it comes to the BMI side of things, what are you sitting at at the moment, Caleb? Twenty four point one.\n\nHoly diver. That's insane. Probably would have been a kid at the time based on on that. Wow. Okay.\n\nEasy done. So I just wanted to quickly ask you when it comes to the cover that you had. We had a bit of transfer terms going on. So we've moved across in insurances. You've got a little bit of life and TBD there, 800,000 of each, and that's the lump sum.\n\nNo income protection, no trauma cover. The premiums for the insurance are sitting about 1,500, and they dropped down 15% with the rebate. So what I wanted to ask you was were you wanting me to look for any quotes for income protection or anything like that, or is it mainly just leave that alone and focus on the super? Well, you've got a pretty damn high income, so it depends on, like, how much you've Yep. And what's the I guess the main thing is priority wise, so you've got all this income going in.\n\nYou're nice and healthy now. What are you trying to sort of get over the next five years? Yep. Right. Yes.\n\nGot you. Got you. Got you. So when it comes to the super side of things, so the government, when they went through and did their changes recently to tackle gains tax negative gearing, in order to get that across the board, they did an agreement with the Greens to cancel out the super properties for residential. So that's been yeah.\n\nIt's been banned as of the tenth of octa August 10. The thing that we can look at then no. You can do commercial property, which is a little bit fancier, but not residential. Okay. Cool.\n\nCool. So main thing would be just pulling in the savings and getting that first property on the run. And then from there, once you've got that first property, we can talk about, okay, once you built up a bit of equity, do we do some debt recycling, investing, other properties, and where we go long term? Cool. So I reckon definitely focus on the property side of things.\n\nWhen it comes to income protection, the question always comes down to, like, what are you actually protecting? Because you've got the big income, but it's not like, you know, if your income like, you're off work for six months because you get injured. What does that do for the family in terms of, you know, when you've got the mortgage and the kids and everything, they're reliant on that income. Is that one of those things where you just absorb it and then go back to work, or is that a serious concern? That's alright.\n\nI think the best thing to do at the moment is because you've had all the weight loss, the insurers tend to do this thing where they go, okay. Keep it off for a period of time. And for the big weight loss, they add back on half of it for the first twelve months. So what we basically should do is focus on build up the savings, get the property. And then once you've got that kind of mortgage there, you should be in a really good space to get some good pricing when it comes to income protection.\n\nWhereas if I did it now, they would still add on a little bit of loadings and and pricing prices, and and you don't have that debt yet. So I'm thinking maybe we do it in a few steps. Get the property, keep the weight off, and then I can do some really good quotes and see who's gonna offer you the best deal. Sound alright for you? Cool.\n\nWhen we come to that time, like, I'll flag it for the next review that we do. And if we're if if it's a go, we'll do a bit of a pre assessment where we just go a bit more in-depth with the health and the occupation, and then, anonymously, we'll shoot that around to all the insurers and see if it's gonna offer the best rating and the best health outcome. Cool. So I'll put a bit of a flag on the account for that one. And, yeah, just keep doing what you're doing.\n\nKeep building up the savings. And just quickly on that note, are you setting aside a certain amount regularly to build that up, or what's your cash flow been like? Okay. Cool. Cool.\n\nYep. Okay. Alrighty. So $2.50 a week, build up the deposit. We'll check-in and see what we do.\n\nIf at any point you wanna jump into the property market, we've got, obviously, a network of brokers, accountants, lawyers, even buyer's agents that can hunt around the country for you. So anything you need, I will flag that and get someone to help you out. Beautiful. Now because of that cash flow priority, I'm I'm assuming we're not gonna be looking at doing any contributions with or anything in addition to that, like salary sacrifice. Yeah.\n\nNo worries. Yeah. Deal with the main things first, and then when things open up, we can come back to that. Did you ever wanna look at personal investing once you've got a property under the belt outside of crypto, or is that more just like a super property and and do that? Yep.\n\nCool. Awesome. The only reason why I flagged that is because I do have some clients in the fund that you're in. So in Hub twenty four, they offer investment account alongside super accounts that are identical, and you can kind of have them linked together. They can reduce each other's fee, and you've got access to all those investment options, which it has the most options in the country.\n\nSo it's just something that if you're interested in that, we can do that with you later as well. Cool. I definitely wouldn't say don't pull your cash into an investment account right now because they've just changed capital gains tax, and you probably don't wanna tie your funds up when you're saving for a property, if that makes sense. Beautiful. So I'll flag that again as maybe, like, in year three to five then, if that sounds okay.\n\nBeautiful. Now when it comes to the super, have you been keeping an eye on the hub login yourself or you just wait for the review pack? Yep. I think when you came on board back in 2024 into this account, you had some really strong growth years for that first two. And then this year, it's not been as much growth as the previous years.\n\nObviously, March, we had the war in Iran kind of drop the stock market kind of thing. What's basically happened is gone from January. It went back up to $2.23, and then the war broke out, went down to 02/2004, and then it's jumped back up to 02/29. Really good contribution going in as well, of course, but there's some investments there that I'm sort of keeping my eye on that are a bit of a concern. So just quickly as a quick overview, so because you're in that that high growth space, 90% shares property gold, most of your super is in growth assets to get those high long term returns.\n\nDoes that make sense? So when you've got all your super in mostly all your super in growth assets, goes up and down like a bit of a roller coaster ride, but the main aim is in a cycle, economy grows. You get five years where the super in the market go up ten, twenty, 30%, then there's a GFC, a COVID, whatever it is, and the market drops down. Once all of that's said and done, you're basically aiming for an average benchmark of about 10% or above. That's kind of your your long term average.\n\nDoes that make sense? Cool. Now this one, it's done about half that for this twelve months, but it's still doing it over three, five, and ten years. But what I wanted to just flag with you is one of the investment options in particular. So you've got about nine different investments, and that's split between, like, property, gold, lithium, which incredible.\n\nYour electric vehicles have gone up 75%. Gold's up double digits. Everything's doing fantastic. Ben along Australian shares have had a bit of a drop. Now the reason why that one concerns me at the moment is because that's not performing in line with the Australian stock market.\n\nSo the Australian stock market did go down, but it came back up. This one went down a little bit further, but didn't come back up as much. So what I'm sort of saying there is that out of nine options, one of them hasn't done so well. The rest of them, I don't see a problem with any of them. They're all doing fantastic.\n\nSo what I wanna do is I need to do a bit of an engine tune up where I'm not gonna wait for this one to try and bounce back. When I've done the research on this one for your account, there's some concerns with the fund managers. They've lost a few people, and most of their talent kind of walked out the door. So what I'm thinking is I wanna do a bit of a switch out of that one option and get you a replacement for that one portion of the super. What I wanted to gauge with you is because Hub's got 1,300 options there, I kinda need to whittle it down just a little bit.\n\nDo you have a preference between low fees or higher fees to get a higher return? Okay. So what that basically means is most of the options are pretty low fees in there. The Australian shares one that's not doing so well. I basically need to find a like for like replacement in that active spot.\n\nSo I've got a couple I've been researching that I've got on the the back end that we're looking at, and all I'm gonna do is just do an updated comparison for you, show you the differences between them. It's a bit cheaper, bit better performance. It has been outperforming the Australian market. And when I mix that into the portfolio, it kind of brings you back up to that kind of 12% average that you're looking for. Cool.\n\nSo I'll do that there. Are you still comfortable with the idea of, you know, staying high growth and getting all the growth out of it now, and then when you get closer to retirement, focusing on protecting it? Reason why I say that is because it goes up and down quite a bit. Now that you've built $200 up, anytime we get a 10 or 20% return, we're talking 25 to 50,000. It's going up and down in those directions.\n\nNow that so you go for it, man? Opposite. So now that you've built the base up, when we get those really good returns, it's gonna be a huge balance increase. So what tends to happen is, let's say, the world ships to bed tomorrow and we have another GST. Your balance will actually go from $2.30 back to, like, $1.80, and then before you know it, it's 300,000 the next year.\n\nThat's the the level of volatility we're talking about. Yep. Okay. And then once we've built up that million dollars or whatever the target is and you're about ten years off retirement, then we start reducing the risk level and go from 90% growth, eighty, seventy, 60, fifty, forty, and there's your pension account to retire on. Perfect.\n\nSo I won't do any salary sacrifice for this year's updated plan. I'll go through and update that investment option for you and show you the differences there, and we'll keep it high growth for the time being. Now there's probably no point looking at changing super funds at this point. Hub hasn't changed its fees or features or anything like that unless you want me to look around. But I think if I can get a good option mixed in yep.\n\nCool. Alrighty. So that gives me a bit of a direction there. And, again, like I said, I won't touch the insurances until a little bit later. We'll basically let you build up your savings first, see how the health goes in twelve month time, then we'll revisit some income protection.\n\nOnce you got the property, we might talk about doing a bit of an investment account after that. Awesome. How does that sound for you? Perfect. Any questions on that so far?\n\nI know I just kind of went a bit bit quick and info done. Gotcha. Beautiful. So what I'll do is I'm just about to go on a tiny bit of leave. Just had a newborn baby there, so I'm just taking a bit of leave off.\n\nAnd as soon as I get back yeah. Mate, if I'm slowing my words a little bit, a little bit long, please. We're getting there. I will flag in for the team to book you in to go through that updated strategy. As soon as I get back, they'll pretty much just do those comparisons and update your strategy projections and then just keep an ear out for them to kind of book you in to go through that with me.\n\nOutside of that, so I'll update all the notes there with that kind of one three five year plan. The pack that I've sent through to you, again, it's just got the summary of the super and the insurances, the updated service agreement. Quick heads up on the overview services. So the usual fee for us is at 1.65 percent spread throughout the year on the monthly payment. But next year, Barton's Debbie, they've been coming up with a bit of a keyed fee structure.\n\nSo everybody above 200,000 is gonna start to get some percentage discount, you know, like 200 to 500,000, 500,000 to a million. So this service agreement is exactly the same as the last one, but next year, there should be some discount applied. So lucky last one is just tax file number. Cybersecurity issues were pretty right the last couple of years, so we're just doing an opt in form for us to hold your tax code number on one document rather than six digital systems for the hackers to grab. So I have included that in there, and I just wanna make sure you're comfortable with that.\n\nBeautiful. Any questions for me before I let you go back to your weekend? Easy done. I will get right back into it and talk to you in a couple of weeks' time. Thank you very much, mate.\n\nIt's number three. The boys are kind of smitten, but I I know I'll be happy when I'm 60, and they're all sitting around the bed there. But at the moment, it's just just get through the next few months, and it should be. Thank you so much for your time today, Nate. You too.\n\nCheers.","paragraphs":[{"sentences":[{"text":"Yep.","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.02333545684814453},{"text":"So Tommy here again from both of you, mate.","start":3.28,"end":4.96,"sentiment":"neutral","sentiment_score":0.054276573989126414},{"text":"Have I caught you at a better time?","start":4.96,"end":6.66,"sentiment":"neutral","sentiment_score":0.05001171724870801},{"text":"Mate, fantastic.","start":7.52,"end":8.42,"sentiment":"positive","sentiment_score":0.7150250971317291},{"text":"It's a beautiful week.","start":8.48,"end":9.84,"sentiment":"positive","sentiment_score":0.7835623174905777}],"sentiment":"neutral","sentiment_score":0.2281757427069048,"num_words":24,"start":0.0,"end":9.84},{"sentences":[{"text":"Happy Friday.","start":9.84,"end":10.66,"sentiment":"positive","sentiment_score":0.6553739309310913},{"text":"Yep.","start":15.28,"end":15.78,"sentiment":"neutral","sentiment_score":0.21507954597473145},{"text":"Alrighty.","start":17.795,"end":18.295,"sentiment":"neutral","sentiment_score":0.2281264364719391},{"text":"Mate, I've got a bit of a pack I'm gonna send through here just so you've got it there for the review.","start":18.994999,"end":24.055,"sentiment":"neutral","sentiment_score":0.1430658633736047},{"text":"I'm just gonna start with the usual security check with you, if that's okay.","start":25.235,"end":28.855,"sentiment":"neutral","sentiment_score":0.06663967056998185}],"sentiment":"neutral","sentiment_score":0.14585895566269755,"num_words":40,"start":9.84,"end":28.855},{"sentences":[{"text":"Cool.","start":30.435,"end":30.835,"sentiment":"neutral","sentiment_score":0.12249816209077836},{"text":"So I'm registered with Atticus adviser 1273105.","start":30.835,"end":34.59,"sentiment":"neutral","sentiment_score":0.05706578918865749},{"text":"Could I just get your date of birth and address?","start":34.59,"end":36.93,"sentiment":"neutral","sentiment_score":0.031005917862057687},{"text":"Fantastic.","start":48.045002,"end":48.545002,"sentiment":"positive","sentiment_score":0.5719406604766846},{"text":"Thank you very much for that, mate.","start":48.845,"end":50.125,"sentiment":"positive","sentiment_score":0.6861293911933899}],"sentiment":"neutral","sentiment_score":0.2387255486100912,"num_words":26,"start":30.435,"end":50.125},{"sentences":[{"text":"How's your week been?","start":50.125,"end":50.845,"sentiment":"neutral","sentiment_score":0.23921163007616997},{"text":"Alright?","start":50.845,"end":51.345,"sentiment":"neutral","sentiment_score":0.10218168795108797},{"text":"I said, alrighty.","start":53.645,"end":54.525,"sentiment":"neutral","sentiment_score":0.0336597990244627},{"text":"Do I have much time with you this morning, or should I try and keep it nice and yeah.","start":54.525,"end":61.11,"sentiment":"neutral","sentiment_score":0.02815524861216545},{"text":"Cool.","start":61.11,"end":61.35,"sentiment":"neutral","sentiment_score":0.15792316198349}],"sentiment":"neutral","sentiment_score":0.06617430324799248,"num_words":28,"start":50.125,"end":61.35},{"sentences":[{"text":"I won't take too long, mate.","start":61.35,"end":62.47,"sentiment":"neutral","sentiment_score":0.11497616147001584},{"text":"Just a couple of things I wanted to run by you that I'm looking to update.","start":62.47,"end":66.729996,"sentiment":"neutral","sentiment_score":0.10487271100282669},{"text":"Now I'll send that pack through to you.","start":68.07,"end":69.51,"sentiment":"neutral","sentiment_score":0.10697204899042845},{"text":"It's just got the usual updated report, services guide, service agreement, and tax file declaration, and a bit of a summary of the super insurances there.","start":69.51,"end":78.744995,"sentiment":"neutral","sentiment_score":0.0886539859840503},{"text":"But is there anything in particular that you wanted to get out of this year's review outside of what I had on the agenda?","start":78.744995,"end":84.205,"sentiment":"neutral","sentiment_score":-0.011046596705758324}],"sentiment":"neutral","sentiment_score":0.06579352564294823,"num_words":80,"start":61.35,"end":84.205},{"sentences":[{"text":"Perfect.","start":86.585,"end":87.085,"sentiment":"neutral","sentiment_score":0.06457510590553284},{"text":"So I was just gonna start with quickly updating a couple of your details just because we've got new system, and I just wanna make sure all this is accurate.","start":87.72,"end":94.52,"sentiment":"neutral","sentiment_score":0.03452920416990916},{"text":"Is that alright?","start":94.52,"end":95.259995,"sentiment":"neutral","sentiment_score":0.04762286754945914},{"text":"Perfect.","start":97.24,"end":97.74,"sentiment":"neutral","sentiment_score":0.2169509530067444},{"text":"So we're looking towards a pretty strong retirement goal, $8.65, about $2,000 a week, just in terms of goals.","start":98.28,"end":105.954994,"sentiment":"neutral","sentiment_score":0.1523024020226378}],"sentiment":"neutral","sentiment_score":0.08062993379792681,"num_words":54,"start":86.585,"end":105.954994},{"sentences":[{"text":"So we're trying to grow the super as fast as possible for a little bit of an earlier retirement.","start":106.975,"end":111.314995,"sentiment":"neutral","sentiment_score":0.22916561914117714},{"text":"And the main thing I can see here is a pretty big focus on, obviously, property and just try to sort of get into the property market, that kind of thing.","start":112.255,"end":122.329994,"sentiment":"neutral","sentiment_score":0.09766656496832447},{"text":"Does it sound about right?","start":122.329994,"end":123.549995,"sentiment":"neutral","sentiment_score":0.04580565541982651},{"text":"Beautiful.","start":125.61,"end":126.11,"sentiment":"positive","sentiment_score":0.6090953350067139},{"text":"We had you down as a chef earning about 190.","start":126.81,"end":129.79,"sentiment":"neutral","sentiment_score":0.17072353139519691}],"sentiment":"neutral","sentiment_score":0.15041165460239758,"num_words":66,"start":106.975,"end":129.79},{"sentences":[{"text":"Awesome.","start":132.17,"end":132.67,"sentiment":"positive","sentiment_score":0.5616738796234131},{"text":"And you do a lot of staff training, operations type of thing, more so than kind of on the tool?","start":132.73,"end":141.215,"sentiment":"neutral","sentiment_score":0.13110495861619711},{"text":"Everything.","start":145.595,"end":146.075,"sentiment":"neutral","sentiment_score":0.16348184645175934},{"text":"Alright.","start":146.075,"end":146.39499,"sentiment":"neutral","sentiment_score":0.23200306296348572},{"text":"Cool.","start":146.39499,"end":146.715,"sentiment":"positive","sentiment_score":0.416291207075119}],"sentiment":"neutral","sentiment_score":0.16648121535157165,"num_words":24,"start":132.17,"end":146.715},{"sentences":[{"text":"Cool.","start":146.715,"end":146.875,"sentiment":"positive","sentiment_score":0.37224280834198},{"text":"Cool.","start":146.875,"end":147.33,"sentiment":"neutral","sentiment_score":0.3026943802833557},{"text":"We've got she's married with Brianna.","start":147.89,"end":150.15001,"sentiment":"neutral","sentiment_score":0.11319067453344663},{"text":"Assets wise, two motor vehicles.","start":151.09,"end":153.19,"sentiment":"neutral","sentiment_score":0.05684977397322655},{"text":"We had about $8 in savings and about $12 in crypto.","start":153.33,"end":156.55,"sentiment":"neutral","sentiment_score":0.0668592547828501}],"sentiment":"neutral","sentiment_score":0.0989075795126458,"num_words":24,"start":146.715,"end":156.55},{"sentences":[{"text":"Cool.","start":159.33,"end":159.65,"sentiment":"neutral","sentiment_score":0.1935403048992157},{"text":"Any major changes there or any new loans or assets I can note down?","start":159.65,"end":163.065,"sentiment":"neutral","sentiment_score":0.04727776548159974},{"text":"Cool.","start":170.585,"end":171.065,"sentiment":"neutral","sentiment_score":0.10581143200397491},{"text":"Awesome.","start":171.065,"end":171.565,"sentiment":"neutral","sentiment_score":0.3061670660972595},{"text":"I'll just start with the easy things, then I'll jump into the super with you.","start":171.785,"end":175.085,"sentiment":"neutral","sentiment_score":0.24346004128456117}],"sentiment":"neutral","sentiment_score":0.153728379344102,"num_words":32,"start":159.33,"end":175.085},{"sentences":[{"text":"When it comes to the insurance side, we had a a previous health episode where you had some surgery, a bit of, like, colonoscopy.","start":175.465,"end":184.68001,"sentiment":"neutral","sentiment_score":-0.0008026981959119439},{"text":"But, yeah, I think you had a previous surgery on your right knee a while ago.","start":185.14,"end":189.40001,"sentiment":"neutral","sentiment_score":-0.02526675973786041},{"text":"Yep.","start":193.705,"end":193.94499,"sentiment":"neutral","sentiment_score":0.008259717375040054},{"text":"Fair while ago.","start":193.94499,"end":194.925,"sentiment":"neutral","sentiment_score":-0.0014281066445012887},{"text":"No sort of current issues that you can note?","start":195.625,"end":198.44499,"sentiment":"neutral","sentiment_score":-0.056472357362508774}],"sentiment":"neutral","sentiment_score":-0.01750582511940936,"num_words":53,"start":175.465,"end":198.44499},{"sentences":[{"text":"Beautiful.","start":200.745,"end":201.145,"sentiment":"neutral","sentiment_score":0.14170940220355988},{"text":"So what Woah.","start":201.145,"end":210.78,"sentiment":"neutral","sentiment_score":0.028165670732657116},{"text":"Did you say 70?","start":211.08,"end":212.2,"sentiment":"neutral","sentiment_score":0.001778220059350133},{"text":"Seven zero?","start":212.2,"end":213.02,"sentiment":"neutral","sentiment_score":0.0021964767947793007},{"text":"Okay.","start":215.48,"end":215.98,"sentiment":"neutral","sentiment_score":0.16565008461475372}],"sentiment":"neutral","sentiment_score":0.03666930298574946,"num_words":11,"start":200.745,"end":215.98},{"sentences":[{"text":"That's fantastic.","start":216.44,"end":217.26,"sentiment":"positive","sentiment_score":0.4949992001056671},{"text":"Dude, did you do that's sensational.","start":217.48,"end":224.225,"sentiment":"positive","sentiment_score":0.3875180532534917},{"text":"Good on you, Nick.","start":224.60501,"end":225.74501,"sentiment":"positive","sentiment_score":0.34023433178663254},{"text":"Mate, when it comes to the BMI side of things, what are you sitting at at the moment, Caleb?","start":226.445,"end":231.74501,"sentiment":"neutral","sentiment_score":0.06323115253134777},{"text":"Twenty four point one.","start":235.03,"end":236.39,"sentiment":"neutral","sentiment_score":0.009518629405647516}],"sentiment":"neutral","sentiment_score":0.16901458464562893,"num_words":35,"start":216.44,"end":236.39},{"sentences":[{"text":"Holy diver.","start":236.39,"end":237.53,"sentiment":"neutral","sentiment_score":-0.06765509210526943},{"text":"That's insane.","start":237.67,"end":238.41,"sentiment":"neutral","sentiment_score":-0.15653899312019348},{"text":"Probably would have been a kid at the time based on on that.","start":244.31,"end":248.125,"sentiment":"neutral","sentiment_score":-0.026121352727596577},{"text":"Wow.","start":248.125,"end":248.44499,"sentiment":"neutral","sentiment_score":0.15399600565433502},{"text":"Okay.","start":248.44499,"end":248.94499,"sentiment":"neutral","sentiment_score":0.14549154043197632}],"sentiment":"neutral","sentiment_score":-0.025709379464387894,"num_words":19,"start":236.39,"end":248.94499},{"sentences":[{"text":"Easy done.","start":249.64499,"end":250.28499,"sentiment":"neutral","sentiment_score":0.2148972377181053},{"text":"So I just wanted to quickly ask you when it comes to the cover that you had.","start":250.28499,"end":254.465,"sentiment":"neutral","sentiment_score":0.028299107490216985},{"text":"We had a bit of transfer terms going on.","start":255.245,"end":257.725,"sentiment":"neutral","sentiment_score":-0.0021770696880088914},{"text":"So we've moved across in insurances.","start":257.725,"end":259.505,"sentiment":"neutral","sentiment_score":0.013243418186903},{"text":"You've got a little bit of life and TBD there, 800,000 of each, and that's the lump sum.","start":260.03998,"end":265.96,"sentiment":"neutral","sentiment_score":0.029114943308134873}],"sentiment":"neutral","sentiment_score":0.02874644546626279,"num_words":52,"start":249.64499,"end":265.96},{"sentences":[{"text":"No income protection, no trauma cover.","start":265.96,"end":268.06,"sentiment":"neutral","sentiment_score":-0.1611217943330606},{"text":"The premiums for the insurance are sitting about 1,500, and they dropped down 15% with the rebate.","start":269.8,"end":275.565,"sentiment":"neutral","sentiment_score":-0.1304094747585409},{"text":"So what I wanted to ask you was were you wanting me to look for any quotes for income protection or anything like that, or is it mainly just leave that alone and focus on the super?","start":275.785,"end":284.445,"sentiment":"neutral","sentiment_score":0.04454603599938187},{"text":"Well, you've got a pretty damn high income, so it depends on, like, how much you've Yep.","start":290.85,"end":306.43503,"sentiment":"neutral","sentiment_score":0.11783053375342313},{"text":"And what's the I guess the main thing is priority wise, so you've got all this income going in.","start":308.65503,"end":312.815,"sentiment":"neutral","sentiment_score":0.28795035105002553}],"sentiment":"neutral","sentiment_score":0.06186132540460676,"num_words":96,"start":265.96,"end":312.815},{"sentences":[{"text":"You're nice and healthy now.","start":312.815,"end":314.27502,"sentiment":"positive","sentiment_score":0.6665164709091187},{"text":"What are you trying to sort of get over the next five years?","start":315.2,"end":317.94,"sentiment":"neutral","sentiment_score":0.16761189928421608},{"text":"Yep.","start":331.775,"end":332.275,"sentiment":"neutral","sentiment_score":0.19474220275878903},{"text":"Right.","start":342.67,"end":343.17,"sentiment":"neutral","sentiment_score":0.07902111113071442},{"text":"Yes.","start":351.23,"end":351.73,"sentiment":"neutral","sentiment_score":0.05353779345750809}],"sentiment":"neutral","sentiment_score":0.27803991202797207,"num_words":21,"start":312.815,"end":351.73},{"sentences":[{"text":"Got you.","start":351.79,"end":352.19,"sentiment":"neutral","sentiment_score":0.024747008457779884},{"text":"Got you.","start":352.19,"end":352.43002,"sentiment":"neutral","sentiment_score":0.0145102022215724},{"text":"Got you.","start":352.43002,"end":352.83002,"sentiment":"neutral","sentiment_score":-0.00009656324982643127},{"text":"So when it comes to the super side of things, so the government, when they went through and did their changes recently to tackle gains tax negative gearing, in order to get that across the board, they did an agreement with the Greens to cancel out the super properties for residential.","start":352.83002,"end":372.29,"sentiment":"neutral","sentiment_score":-0.09513013028338843},{"text":"So that's been yeah.","start":372.59003,"end":375.63,"sentiment":"negative","sentiment_score":-0.49197306483983994}],"sentiment":"neutral","sentiment_score":-0.11051160014677243,"num_words":61,"start":351.79,"end":375.63},{"sentences":[{"text":"It's been banned as of the tenth of octa August 10.","start":375.63,"end":379.16998,"sentiment":"neutral","sentiment_score":-0.3050793030045249},{"text":"The thing that we can look at then no.","start":380.67,"end":384.125,"sentiment":"neutral","sentiment_score":-0.2996731119023429},{"text":"You can do commercial property, which is a little bit fancier, but not residential.","start":384.125,"end":388.785,"sentiment":"neutral","sentiment_score":-0.0592262933829001},{"text":"Okay.","start":392.76498,"end":393.26498,"sentiment":"neutral","sentiment_score":0.24083486199378967},{"text":"Cool.","start":393.325,"end":393.645,"sentiment":"positive","sentiment_score":0.547809898853302}],"sentiment":"neutral","sentiment_score":-0.16926260240789917,"num_words":36,"start":375.63,"end":393.645},{"sentences":[{"text":"Cool.","start":393.645,"end":394.08,"sentiment":"positive","sentiment_score":0.5721319913864136},{"text":"So main thing would be just pulling in the savings and getting that first property on the run.","start":394.24,"end":398.81998,"sentiment":"positive","sentiment_score":0.5345884892675612},{"text":"And then from there, once you've got that first property, we can talk about, okay, once you built up a bit of equity, do we do some debt recycling, investing, other properties, and where we go long term?","start":398.87997,"end":410.145,"sentiment":"neutral","sentiment_score":0.209900771512797},{"text":"Cool.","start":412.365,"end":412.865,"sentiment":"positive","sentiment_score":0.4284532070159912},{"text":"So I reckon definitely focus on the property side of things.","start":413.88498,"end":417.16498,"sentiment":"positive","sentiment_score":0.3450859703800895}],"sentiment":"neutral","sentiment_score":0.3245703332881997,"num_words":69,"start":393.645,"end":417.16498},{"sentences":[{"text":"When it comes to income protection, the question always comes down to, like, what are you actually protecting?","start":417.16498,"end":421.245,"sentiment":"neutral","sentiment_score":0.061981176336606346},{"text":"Because you've got the big income, but it's not like, you know, if your income like, you're off work for six months because you get injured.","start":421.245,"end":428.67,"sentiment":"neutral","sentiment_score":-0.10728525871840808},{"text":"What does that do for the family in terms of, you know, when you've got the mortgage and the kids and everything, they're reliant on that income.","start":430.01,"end":436.83002,"sentiment":"neutral","sentiment_score":-0.00604378594154561},{"text":"Is that one of those things where you just absorb it and then go back to work, or is that a serious concern?","start":437.05002,"end":442.405,"sentiment":"neutral","sentiment_score":-0.1623523157575856},{"text":"That's alright.","start":451.2,"end":464.88,"sentiment":"neutral","sentiment_score":-0.015215296298265457}],"sentiment":"neutral","sentiment_score":-0.05834866279231695,"num_words":96,"start":417.16498,"end":464.88},{"sentences":[{"text":"I think the best thing to do at the moment is because you've had all the weight loss, the insurers tend to do this thing where they go, okay.","start":464.88,"end":472.415,"sentiment":"neutral","sentiment_score":0.03985226912231281},{"text":"Keep it off for a period of time.","start":472.875,"end":474.815,"sentiment":"neutral","sentiment_score":0.003813388757407667},{"text":"And for the big weight loss, they add back on half of it for the first twelve months.","start":475.035,"end":480.42,"sentiment":"neutral","sentiment_score":0.01687910987271203},{"text":"So what we basically should do is focus on build up the savings, get the property.","start":480.90002,"end":486.04,"sentiment":"neutral","sentiment_score":0.30092966090887785},{"text":"And then once you've got that kind of mortgage there, you should be in a really good space to get some good pricing when it comes to income protection.","start":486.18002,"end":494.04,"sentiment":"neutral","sentiment_score":0.3050720439902667}],"sentiment":"neutral","sentiment_score":0.1515201074257493,"num_words":100,"start":464.88,"end":494.04},{"sentences":[{"text":"Whereas if I did it now, they would still add on a little bit of loadings and and pricing prices, and and you don't have that debt yet.","start":494.275,"end":501.875,"sentiment":"neutral","sentiment_score":-0.09557606798729726},{"text":"So I'm thinking maybe we do it in a few steps.","start":501.875,"end":504.13498,"sentiment":"neutral","sentiment_score":0.12529885591092435},{"text":"Get the property, keep the weight off, and then I can do some really good quotes and see who's gonna offer you the best deal.","start":504.51498,"end":510.57,"sentiment":"positive","sentiment_score":0.3661734277009964},{"text":"Sound alright for you?","start":512.95,"end":514.09,"sentiment":"neutral","sentiment_score":0.20029596984386444},{"text":"Cool.","start":516.31,"end":516.81,"sentiment":"positive","sentiment_score":0.5708823204040527}],"sentiment":"neutral","sentiment_score":0.1337472377344966,"num_words":69,"start":494.275,"end":516.81},{"sentences":[{"text":"When we come to that time, like, I'll flag it for the next review that we do.","start":516.95,"end":520.635,"sentiment":"neutral","sentiment_score":0.26915905493147235},{"text":"And if we're if if it's a go, we'll do a bit of a pre assessment where we just go a bit more in-depth with the health and the occupation, and then, anonymously, we'll shoot that around to all the insurers and see if it's gonna offer the best rating and the best health outcome.","start":520.875,"end":534.06,"sentiment":"neutral","sentiment_score":0.19851466742428867},{"text":"Cool.","start":536.86,"end":537.1,"sentiment":"neutral","sentiment_score":0.31663262844085693},{"text":"So I'll put a bit of a flag on the account for that one.","start":537.1,"end":539.66,"sentiment":"neutral","sentiment_score":0.22845747854028428},{"text":"And, yeah, just keep doing what you're doing.","start":539.66,"end":541.5,"sentiment":"neutral","sentiment_score":0.2925954610109329}],"sentiment":"neutral","sentiment_score":0.22473485956066533,"num_words":95,"start":516.95,"end":541.5},{"sentences":[{"text":"Keep building up the savings.","start":541.5,"end":542.72,"sentiment":"positive","sentiment_score":0.36341758370399474},{"text":"And just quickly on that note, are you setting aside a certain amount regularly to build that up, or what's your cash flow been like?","start":543.26,"end":551.195,"sentiment":"neutral","sentiment_score":0.129685879945755},{"text":"Okay.","start":555.735,"end":556.235,"sentiment":"neutral","sentiment_score":0.11826090514659882},{"text":"Cool.","start":557.175,"end":557.415,"sentiment":"neutral","sentiment_score":0.17772409319877625},{"text":"Cool.","start":557.415,"end":557.915,"sentiment":"neutral","sentiment_score":0.1685437560081482}],"sentiment":"neutral","sentiment_score":0.16738677792476886,"num_words":33,"start":541.5,"end":557.915},{"sentences":[{"text":"Yep.","start":565.91003,"end":566.41003,"sentiment":"neutral","sentiment_score":0.07594738900661469},{"text":"Okay.","start":573.91003,"end":574.41003,"sentiment":"neutral","sentiment_score":0.0988391786813736},{"text":"Alrighty.","start":575.985,"end":576.485,"sentiment":"neutral","sentiment_score":0.13621750473976135},{"text":"So $2.50 a week, build up the deposit.","start":577.02496,"end":580.005,"sentiment":"neutral","sentiment_score":0.17365468479692936},{"text":"We'll check-in and see what we do.","start":580.305,"end":582.245,"sentiment":"neutral","sentiment_score":0.1468839453799384}],"sentiment":"neutral","sentiment_score":0.15157939824793074,"num_words":18,"start":565.91003,"end":582.245},{"sentences":[{"text":"If at any point you wanna jump into the property market, we've got, obviously, a network of brokers, accountants, lawyers, even buyer's agents that can hunt around the country for you.","start":582.385,"end":592.44,"sentiment":"neutral","sentiment_score":0.17242626293051627},{"text":"So anything you need, I will flag that and get someone to help you out.","start":592.66003,"end":596.60004,"sentiment":"neutral","sentiment_score":0.20879283150037128},{"text":"Beautiful.","start":598.74,"end":599.24,"sentiment":"positive","sentiment_score":0.462468683719635},{"text":"Now because of that cash flow priority, I'm I'm assuming we're not gonna be looking at doing any contributions with or anything in addition to that, like salary sacrifice.","start":599.38,"end":607.755,"sentiment":"neutral","sentiment_score":-0.019608206597381626},{"text":"Yeah.","start":609.33496,"end":609.735,"sentiment":"neutral","sentiment_score":0.013713935390114784}],"sentiment":"neutral","sentiment_score":0.10889157469009424,"num_words":77,"start":582.385,"end":609.735},{"sentences":[{"text":"No worries.","start":609.735,"end":610.475,"sentiment":"neutral","sentiment_score":0.04412292130291462},{"text":"Yeah.","start":610.77496,"end":611.095,"sentiment":"neutral","sentiment_score":0.0721648707985878},{"text":"Deal with the main things first, and then when things open up, we can come back to that.","start":611.095,"end":615.45,"sentiment":"neutral","sentiment_score":0.11658094823360443},{"text":"Did you ever wanna look at personal investing once you've got a property under the belt outside of crypto, or is that more just like a super property and and do that?","start":615.93,"end":624.89,"sentiment":"neutral","sentiment_score":0.03747124446090311},{"text":"Yep.","start":624.89,"end":625.39,"sentiment":"neutral","sentiment_score":-0.0504218153655529}],"sentiment":"neutral","sentiment_score":0.0631023294257897,"num_words":54,"start":609.735,"end":625.39},{"sentences":[{"text":"Cool.","start":633.66504,"end":634.16504,"sentiment":"neutral","sentiment_score":0.10750488936901093},{"text":"Awesome.","start":637.585,"end":638.085,"sentiment":"positive","sentiment_score":0.394420862197876},{"text":"The only reason why I flagged that is because I do have some clients in the fund that you're in.","start":638.145,"end":643.025,"sentiment":"neutral","sentiment_score":0.12593519799411296},{"text":"So in Hub twenty four, they offer investment account alongside super accounts that are identical, and you can kind of have them linked together.","start":643.025,"end":651.58,"sentiment":"neutral","sentiment_score":0.19147077978899082},{"text":"They can reduce each other's fee, and you've got access to all those investment options, which it has the most options in the country.","start":651.72003,"end":658.38,"sentiment":"neutral","sentiment_score":0.263624457642436}],"sentiment":"neutral","sentiment_score":0.19918450585433414,"num_words":70,"start":633.66504,"end":658.38},{"sentences":[{"text":"So it's just something that if you're interested in that, we can do that with you later as well.","start":658.68,"end":664.825,"sentiment":"neutral","sentiment_score":0.059965355909968675},{"text":"Cool.","start":664.825,"end":665.325,"sentiment":"neutral","sentiment_score":0.257823646068573},{"text":"I definitely wouldn't say don't pull your cash into an investment account right now because they've just changed capital gains tax, and you probably don't wanna tie your funds up when you're saving for a property, if that makes sense.","start":665.54504,"end":678.03,"sentiment":"neutral","sentiment_score":-0.04937279326841235},{"text":"Beautiful.","start":680.59,"end":681.07,"sentiment":"neutral","sentiment_score":0.25876158475875854},{"text":"So I'll flag that again as maybe, like, in year three to five then, if that sounds okay.","start":681.07,"end":686.45,"sentiment":"neutral","sentiment_score":0.12931873690750864}],"sentiment":"neutral","sentiment_score":0.02542724717361263,"num_words":79,"start":658.68,"end":686.45},{"sentences":[{"text":"Beautiful.","start":688.67004,"end":689.17004,"sentiment":"neutral","sentiment_score":0.3264228105545044},{"text":"Now when it comes to the super, have you been keeping an eye on the hub login yourself or you just wait for the review pack?","start":689.55005,"end":695.105,"sentiment":"neutral","sentiment_score":0.03753984619218569},{"text":"Yep.","start":701.165,"end":701.665,"sentiment":"neutral","sentiment_score":0.09839259833097458},{"text":"I think when you came on board back in 2024 into this account, you had some really strong growth years for that first two.","start":702.045,"end":710.04,"sentiment":"neutral","sentiment_score":0.11919245294605692},{"text":"And then this year, it's not been as much growth as the previous years.","start":710.1,"end":714.18,"sentiment":"neutral","sentiment_score":-0.16537067240902356}],"sentiment":"neutral","sentiment_score":0.029489104043353687,"num_words":66,"start":688.67004,"end":714.18},{"sentences":[{"text":"Obviously, March, we had the war in Iran kind of drop the stock market kind of thing.","start":714.18,"end":718.52,"sentiment":"neutral","sentiment_score":-0.27090878171079297},{"text":"What's basically happened is gone from January.","start":719.875,"end":722.515,"sentiment":"neutral","sentiment_score":-0.17156578387532914},{"text":"It went back up to $2.23, and then the war broke out, went down to 02/2004, and then it's jumped back up to 02/29.","start":722.515,"end":730.29504,"sentiment":"neutral","sentiment_score":-0.09913504465172689},{"text":"Really good contribution going in as well, of course, but there's some investments there that I'm sort of keeping my eye on that are a bit of a concern.","start":731.715,"end":739.47,"sentiment":"neutral","sentiment_score":0.1708850407137953},{"text":"So just quickly as a quick overview, so because you're in that that high growth space, 90% shares property gold, most of your super is in growth assets to get those high long term returns.","start":740.41,"end":754.445,"sentiment":"neutral","sentiment_score":0.059602060275418416}],"sentiment":"neutral","sentiment_score":-0.010213504977790373,"num_words":112,"start":714.18,"end":754.445},{"sentences":[{"text":"Does that make sense?","start":754.445,"end":755.425,"sentiment":"neutral","sentiment_score":0.05552904028445482},{"text":"So when you've got all your super in mostly all your super in growth assets, goes up and down like a bit of a roller coaster ride, but the main aim is in a cycle, economy grows.","start":758.845,"end":770.42004,"sentiment":"neutral","sentiment_score":-0.0054569105441505845},{"text":"You get five years where the super in the market go up ten, twenty, 30%, then there's a GFC, a COVID, whatever it is, and the market drops down.","start":770.42004,"end":778.545,"sentiment":"neutral","sentiment_score":-0.043669102328090834},{"text":"Once all of that's said and done, you're basically aiming for an average benchmark of about 10% or above.","start":778.945,"end":785.20496,"sentiment":"neutral","sentiment_score":0.018108063965643708},{"text":"That's kind of your your long term average.","start":785.425,"end":787.745,"sentiment":"neutral","sentiment_score":0.043150986544787884}],"sentiment":"neutral","sentiment_score":-0.005741571018606732,"num_words":97,"start":754.445,"end":787.745},{"sentences":[{"text":"Does that make sense?","start":787.745,"end":788.725,"sentiment":"neutral","sentiment_score":0.030582044273614883},{"text":"Cool.","start":790.225,"end":790.56,"sentiment":"neutral","sentiment_score":0.19760838150978088},{"text":"Now this one, it's done about half that for this twelve months, but it's still doing it over three, five, and ten years.","start":790.72,"end":798.1,"sentiment":"neutral","sentiment_score":0.11732291300659595},{"text":"But what I wanted to just flag with you is one of the investment options in particular.","start":798.4,"end":803.46,"sentiment":"neutral","sentiment_score":0.04228975251317024},{"text":"So you've got about nine different investments, and that's split between, like, property, gold, lithium, which incredible.","start":803.95496,"end":812.69495,"sentiment":"neutral","sentiment_score":0.1158668429535978}],"sentiment":"neutral","sentiment_score":0.09204880130146781,"num_words":62,"start":787.745,"end":812.69495},{"sentences":[{"text":"Your electric vehicles have gone up 75%.","start":812.83496,"end":815.975,"sentiment":"neutral","sentiment_score":0.2931121438741684},{"text":"Gold's up double digits.","start":816.83496,"end":817.95496,"sentiment":"neutral","sentiment_score":0.29497722163796425},{"text":"Everything's doing fantastic.","start":817.95496,"end":819.255,"sentiment":"positive","sentiment_score":0.515734444061915},{"text":"Ben along Australian shares have had a bit of a drop.","start":819.55,"end":822.45,"sentiment":"neutral","sentiment_score":-0.23518211055885663},{"text":"Now the reason why that one concerns me at the moment is because that's not performing in line with the Australian stock market.","start":826.35004,"end":833.295,"sentiment":"neutral","sentiment_score":-0.1931385980999988}],"sentiment":"neutral","sentiment_score":-0.0468811197206378,"num_words":48,"start":812.83496,"end":833.295},{"sentences":[{"text":"So the Australian stock market did go down, but it came back up.","start":833.615,"end":836.975,"sentiment":"neutral","sentiment_score":-0.18098467129927415},{"text":"This one went down a little bit further, but didn't come back up as much.","start":836.975,"end":840.435,"sentiment":"neutral","sentiment_score":-0.210000545779864},{"text":"So what I'm sort of saying there is that out of nine options, one of them hasn't done so well.","start":841.855,"end":846.72,"sentiment":"neutral","sentiment_score":-0.14606073386967183},{"text":"The rest of them, I don't see a problem with any of them.","start":846.72,"end":849.43994,"sentiment":"neutral","sentiment_score":-0.025877914319817837},{"text":"They're all doing fantastic.","start":849.43994,"end":850.74,"sentiment":"positive","sentiment_score":0.47626058012247086}],"sentiment":"neutral","sentiment_score":-0.10546760240999552,"num_words":65,"start":833.615,"end":850.74},{"sentences":[{"text":"So what I wanna do is I need to do a bit of an engine tune up where I'm not gonna wait for this one to try and bounce back.","start":853.12,"end":859.665,"sentiment":"neutral","sentiment_score":-0.010525661644836266},{"text":"When I've done the research on this one for your account, there's some concerns with the fund managers.","start":861.02496,"end":866.14496,"sentiment":"neutral","sentiment_score":-0.11912732240226534},{"text":"They've lost a few people, and most of their talent kind of walked out the door.","start":866.14496,"end":871.365,"sentiment":"negative","sentiment_score":-0.49950719252228737},{"text":"So what I'm thinking is I wanna do a bit of a switch out of that one option and get you a replacement for that one portion of the super.","start":871.58496,"end":879.96,"sentiment":"neutral","sentiment_score":-0.08712220713496208},{"text":"What I wanted to gauge with you is because Hub's got 1,300 options there, I kinda need to whittle it down just a little bit.","start":881.06,"end":889.525,"sentiment":"neutral","sentiment_score":-0.0485747979581356}],"sentiment":"neutral","sentiment_score":-0.12000178904155222,"num_words":119,"start":853.12,"end":889.525},{"sentences":[{"text":"Do you have a preference between low fees or higher fees to get a higher return?","start":890.22504,"end":896.325,"sentiment":"neutral","sentiment_score":0.0046769685577601194},{"text":"Okay.","start":910.95996,"end":911.45996,"sentiment":"neutral","sentiment_score":0.03877474367618561},{"text":"So what that basically means is most of the options are pretty low fees in there.","start":911.71497,"end":916.355,"sentiment":"neutral","sentiment_score":0.062071373919025064},{"text":"The Australian shares one that's not doing so well.","start":916.355,"end":918.83496,"sentiment":"neutral","sentiment_score":-0.17519700527191162},{"text":"I basically need to find a like for like replacement in that active spot.","start":918.83496,"end":923.175,"sentiment":"neutral","sentiment_score":-0.12718973362020083}],"sentiment":"neutral","sentiment_score":-0.0401907338361655,"num_words":56,"start":890.22504,"end":923.175},{"sentences":[{"text":"So I've got a couple I've been researching that I've got on the the back end that we're looking at, and all I'm gonna do is just do an updated comparison for you, show you the differences between them.","start":923.55,"end":933.31,"sentiment":"neutral","sentiment_score":0.14194337259500456},{"text":"It's a bit cheaper, bit better performance.","start":933.31,"end":935.25,"sentiment":"positive","sentiment_score":0.3408753531319754},{"text":"It has been outperforming the Australian market.","start":935.31,"end":937.97,"sentiment":"positive","sentiment_score":0.4049542716571263},{"text":"And when I mix that into the portfolio, it kind of brings you back up to that kind of 12% average that you're looking for.","start":937.995,"end":945.055,"sentiment":"neutral","sentiment_score":0.21435040831565857},{"text":"Cool.","start":947.595,"end":947.835,"sentiment":"positive","sentiment_score":0.4228473901748657}],"sentiment":"neutral","sentiment_score":0.20934438611133188,"num_words":79,"start":923.55,"end":947.835},{"sentences":[{"text":"So I'll do that there.","start":947.835,"end":949.21497,"sentiment":"positive","sentiment_score":0.3351178467273712},{"text":"Are you still comfortable with the idea of, you know, staying high growth and getting all the growth out of it now, and then when you get closer to retirement, focusing on protecting it?","start":949.435,"end":959.05,"sentiment":"neutral","sentiment_score":0.24553795202690012},{"text":"Reason why I say that is because it goes up and down quite a bit.","start":961.43,"end":964.785,"sentiment":"neutral","sentiment_score":-0.15051670521497726},{"text":"Now that you've built $200 up, anytime we get a 10 or 20% return, we're talking 25 to 50,000.","start":964.865,"end":971.44495,"sentiment":"neutral","sentiment_score":0.015415620646978679},{"text":"It's going up and down in those directions.","start":971.50494,"end":973.605,"sentiment":"neutral","sentiment_score":-0.12139716744422913}],"sentiment":"neutral","sentiment_score":0.0875043021859946,"num_words":81,"start":947.835,"end":973.605},{"sentences":[{"text":"Now that so you go for it, man?","start":974.625,"end":978.81,"sentiment":"neutral","sentiment_score":0.06389741925522685},{"text":"Opposite.","start":989.61,"end":990.11,"sentiment":"neutral","sentiment_score":-0.11618196964263916},{"text":"So now that you've built the base up, when we get those really good returns, it's gonna be a huge balance increase.","start":990.17,"end":996.095,"sentiment":"neutral","sentiment_score":0.14904514022848822},{"text":"So what tends to happen is, let's say, the world ships to bed tomorrow and we have another GST.","start":996.475,"end":1002.01495,"sentiment":"neutral","sentiment_score":0.028196087548215138},{"text":"Your balance will actually go from $2.30 back to, like, $1.80, and then before you know it, it's 300,000 the next year.","start":1002.39496,"end":1009.29,"sentiment":"neutral","sentiment_score":0.07643402774225581}],"sentiment":"neutral","sentiment_score":0.08182312143293934,"num_words":72,"start":974.625,"end":1009.29},{"sentences":[{"text":"That's the the level of volatility we're talking about.","start":1011.58997,"end":1014.73,"sentiment":"positive","sentiment_score":0.3948465834061305},{"text":"Yep.","start":1015.27,"end":1015.58997,"sentiment":"neutral","sentiment_score":0.15400373935699463},{"text":"Okay.","start":1015.58997,"end":1016.08997,"sentiment":"neutral","sentiment_score":0.1476975828409195},{"text":"And then once we've built up that million dollars or whatever the target is and you're about ten years off retirement, then we start reducing the risk level and go from 90% growth, eighty, seventy, 60, fifty, forty, and there's your pension account to retire on.","start":1016.14996,"end":1030.935,"sentiment":"neutral","sentiment_score":0.1188444769738809},{"text":"Perfect.","start":1034.1951,"end":1034.6951,"sentiment":"positive","sentiment_score":0.5876510143280029}],"sentiment":"neutral","sentiment_score":0.17085892289620022,"num_words":58,"start":1011.58997,"end":1034.6951},{"sentences":[{"text":"So I won't do any salary sacrifice for this year's updated plan.","start":1034.87,"end":1038.41,"sentiment":"neutral","sentiment_score":0.20119631849229336},{"text":"I'll go through and update that investment option for you and show you the differences there, and we'll keep it high growth for the time being.","start":1038.63,"end":1046.25,"sentiment":"neutral","sentiment_score":0.25817261235072064},{"text":"Now there's probably no point looking at changing super funds at this point.","start":1046.7101,"end":1050.165,"sentiment":"neutral","sentiment_score":-0.20425774844793174},{"text":"Hub hasn't changed its fees or features or anything like that unless you want me to look around.","start":1050.885,"end":1055.545,"sentiment":"neutral","sentiment_score":-0.09811320114466879},{"text":"But I think if I can get a good option mixed in yep.","start":1055.765,"end":1058.7251,"sentiment":"neutral","sentiment_score":-0.08479218672101314}],"sentiment":"neutral","sentiment_score":0.04394093860031628,"num_words":82,"start":1034.87,"end":1058.7251},{"sentences":[{"text":"Cool.","start":1058.7251,"end":1059.2251,"sentiment":"neutral","sentiment_score":0.2874247133731842},{"text":"Alrighty.","start":1060.485,"end":1060.985,"sentiment":"neutral","sentiment_score":0.247908815741539},{"text":"So that gives me a bit of a direction there.","start":1061.525,"end":1063.4451,"sentiment":"neutral","sentiment_score":0.25080816745758056},{"text":"And, again, like I said, I won't touch the insurances until a little bit later.","start":1063.4451,"end":1067.38,"sentiment":"neutral","sentiment_score":0.05321174375712871},{"text":"We'll basically let you build up your savings first, see how the health goes in twelve month time, then we'll revisit some income protection.","start":1067.68,"end":1074.58,"sentiment":"neutral","sentiment_score":0.12523197444776693}],"sentiment":"neutral","sentiment_score":0.13425801464301698,"num_words":51,"start":1058.7251,"end":1074.58},{"sentences":[{"text":"Once you got the property, we might talk about doing a bit of an investment account after that.","start":1074.8,"end":1081.965,"sentiment":"neutral","sentiment_score":0.10864516554607286},{"text":"Awesome.","start":1081.965,"end":1082.2849,"sentiment":"positive","sentiment_score":0.49412739276885986},{"text":"How does that sound for you?","start":1082.2849,"end":1083.585,"sentiment":"positive","sentiment_score":0.3680473566055298},{"text":"Perfect.","start":1086.125,"end":1086.625,"sentiment":"positive","sentiment_score":0.3617590367794037},{"text":"Any questions on that so far?","start":1087.085,"end":1088.365,"sentiment":"neutral","sentiment_score":0.11263028532266617}],"sentiment":"neutral","sentiment_score":0.17798641440458596,"num_words":32,"start":1074.8,"end":1088.365},{"sentences":[{"text":"I know I just kind of went a bit bit quick and info done.","start":1088.365,"end":1091.1649,"sentiment":"neutral","sentiment_score":-0.11081707371132714},{"text":"Gotcha.","start":1091.1649,"end":1091.6649,"sentiment":"neutral","sentiment_score":-0.15990900993347168},{"text":"Beautiful.","start":1096.1,"end":1096.6,"sentiment":"neutral","sentiment_score":0.20395627617836},{"text":"So what I'll do is I'm just about to go on a tiny bit of leave.","start":1097.0599,"end":1101.24,"sentiment":"neutral","sentiment_score":-0.02687451252131723},{"text":"Just had a newborn baby there, so I'm just taking a bit of leave off.","start":1101.94,"end":1105.305,"sentiment":"neutral","sentiment_score":0.028812123152116936}],"sentiment":"neutral","sentiment_score":-0.032025576995170495,"num_words":47,"start":1088.365,"end":1105.305},{"sentences":[{"text":"And as soon as I get back yeah.","start":1105.625,"end":1108.505,"sentiment":"neutral","sentiment_score":0.0207121092826128},{"text":"Mate, if I'm slowing my words a little bit, a little bit long, please.","start":1108.505,"end":1111.8651,"sentiment":"neutral","sentiment_score":-0.022234309930354357},{"text":"We're getting there.","start":1111.8651,"end":1112.8451,"sentiment":"neutral","sentiment_score":0.10865072906017303},{"text":"I will flag in for the team to book you in to go through that updated strategy.","start":1114.5851,"end":1118.8451,"sentiment":"neutral","sentiment_score":0.1355935102876495},{"text":"As soon as I get back, they'll pretty much just do those comparisons and update your strategy projections and then just keep an ear out for them to kind of book you in to go through that with me.","start":1119.0651,"end":1128.79,"sentiment":"neutral","sentiment_score":0.1475713950319168}],"sentiment":"neutral","sentiment_score":0.10173756547594144,"num_words":81,"start":1105.625,"end":1128.79},{"sentences":[{"text":"Outside of that, so I'll update all the notes there with that kind of one three five year plan.","start":1132.7051,"end":1137.8451,"sentiment":"neutral","sentiment_score":0.17151904576703123},{"text":"The pack that I've sent through to you, again, it's just got the summary of the super and the insurances, the updated service agreement.","start":1138.8651,"end":1145.3651,"sentiment":"neutral","sentiment_score":0.2096440065652132},{"text":"Quick heads up on the overview services.","start":1146.2301,"end":1148.25,"sentiment":"neutral","sentiment_score":0.1625905888421195},{"text":"So the usual fee for us is at 1.65 percent spread throughout the year on the monthly payment.","start":1149.75,"end":1156.01,"sentiment":"neutral","sentiment_score":0.11655308761530453},{"text":"But next year, Barton's Debbie, they've been coming up with a bit of a keyed fee structure.","start":1156.4701,"end":1160.985,"sentiment":"neutral","sentiment_score":0.1075512788751546}],"sentiment":"neutral","sentiment_score":0.15711505255278418,"num_words":85,"start":1132.7051,"end":1160.985},{"sentences":[{"text":"So everybody above 200,000 is gonna start to get some percentage discount, you know, like 200 to 500,000, 500,000 to a million.","start":1161.2849,"end":1170.345,"sentiment":"neutral","sentiment_score":0.11815797876227986},{"text":"So this service agreement is exactly the same as the last one, but next year, there should be some discount applied.","start":1170.725,"end":1177.49,"sentiment":"neutral","sentiment_score":0.1339977387161482},{"text":"So lucky last one is just tax file number.","start":1180.35,"end":1183.1699,"sentiment":"neutral","sentiment_score":0.25253916945722366},{"text":"Cybersecurity issues were pretty right the last couple of years, so we're just doing an opt in form for us to hold your tax code number on one document rather than six digital systems for the hackers to grab.","start":1183.95,"end":1196.4551,"sentiment":"neutral","sentiment_score":0.17133380157443193},{"text":"So I have included that in there, and I just wanna make sure you're comfortable with 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mate.","start":1217.85,"end":1218.8099,"sentiment":"positive","sentiment_score":0.793190062046051}],"sentiment":"positive","sentiment_score":0.3494557373617825,"num_words":38,"start":1202.8551,"end":1218.8099},{"sentences":[{"text":"It's number three.","start":1218.8099,"end":1219.635,"sentiment":"neutral","sentiment_score":0.2182288517554601},{"text":"The boys are kind of smitten, but I I know I'll be happy when I'm 60, and they're all sitting around the bed there.","start":1220.435,"end":1226.1951,"sentiment":"neutral","sentiment_score":0.31911272555589676},{"text":"But at the moment, it's just just get through the next few months, and it should be.","start":1226.1951,"end":1231.015,"sentiment":"neutral","sentiment_score":0.09661380815155365},{"text":"Thank you so much for your time today, Nate.","start":1236.0709,"end":1238.011,"sentiment":"positive","sentiment_score":0.7715301844808791},{"text":"You 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Hello. Nick speaking. Hi, Nick. How are you? Okay. Yep. Yep. 06/25/1980. My address is 20 Beckwith Avenue In Alphington 3078 Victoria. Hectic. You probably you're a little bit Yep. No. No. No. No. Yep. Yep. Yep. Yes. Uh-oh. It's it's it's everything, mate. Yep. No. Not really. Yep. From what? Surgery? Yeah. Like, we're talking, yeah, a fair while ago. No. Not at all. I've lost I've lost I've lost 70 kilos in weight in the last two years. So I'm it's it's probably the healthiest I've ever been in my life. Yes. Correct. And I and I'm and I'm running and I'm running and walking about a 150 kilometers a week. Twenty four point one. I haven't I haven't been in the I haven't been in the twenties in not. But no idea. Yep. Yep. Perfect. Yep. Yep. What's your recommendation? Yeah. Yeah. And and that's probably what I was thinking. Yeah. It it it is a base of income. Well, I definitely want to I definitely want to get into the property market. So I have I have done a little a tiny bit of research about buying a house through my super. I don't I don't know if this is where I wanna go, but I I definitely wanna investigate if that is a viable and smart option for myself because I I think, yeah, I need to I need to do something in the property market. Yeah. Cool. It's like fucking deep because they're a bunch of morons. Okay. So I can't do that. Yeah. I'm not I'm not interested in commercial property. Yeah. Okay. To be honest, it's not really a serious concern. They're saying that, like, you just never know what's gonna happen in life. So, yeah, probably yeah. To be honest, I haven't really thought about that side of it. Yep. Yes. Yes. Good. Yep. Okay. I had I've just I've just started putting $250 a week away. I have, yeah, I have about just over $10 in crypto that it it's not getting spent. It's just sitting there. Yeah. So I'm hoping, like, within the next twelve months to have, yeah, a little bit of coins saved up. Yep. Cool. No. No. No. No cars. I ain't done. No. Yep. Crypto crypto was a bit of fun. I'm not taking it too seriously, to be honest, and I I probably won't invest any more money into it. Yeah. Not at this stage anyhow. Okay. Well, I probably would be. Yeah. Yeah. I would I would be interested. No. Yeah. Yep. Yeah. I do. Yeah. I can see right now I've got 20 $229,630. Yeah. Yep. Yep. Yep. Okay. Okay. Okay. The higher fee higher fee with the higher return. Yep. Yep. Yep. Okay. So yep. No. No. I understand. I understand what you're saying. So you're saying I should probably not be as aggressive? Yeah. Yep. I get what you mean. I'm happy I'm I'm happy to do that. Yep. Yep. I I understand what you mean. No. I don't. Yep. Okay. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. You I'm understanding. Yep. You don't need that. Yep. No worries. Yep. Okay. Yep. Yep. That's fine. No. That's it, mate. Cool. Good luck with the newborn, mate. Yeah. Yep. Yep. I'm glad it's you and not me. Have a great day, mate. Appreciate the call. Thank you. 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Hello. Nick speaking. Hi, Nick. How are you?\n\nOkay. Yep. Yep. 06/25/1980. My address is 20 Beckwith Avenue In Alphington 3078 Victoria.\n\nHectic. You probably you're a little bit Yep. No. No. No.\n\nNo. Yep. Yep. Yep. Yes.\n\nUh-oh. It's it's it's everything, mate. Yep. No. Not really.\n\nYep. From what? Surgery? Yeah. Like, we're talking, yeah, a fair while ago.\n\nNo. Not at all. I've lost I've lost I've lost 70 kilos in weight in the last two years. So I'm it's it's probably the healthiest I've ever been in my life. Yes.\n\nCorrect. And I and I'm and I'm running and I'm running and walking about a 150 kilometers a week. Twenty four point one. I haven't I haven't been in the I haven't been in the twenties in not. But no idea.\n\nYep. Yep. Perfect. Yep. Yep.\n\nWhat's your recommendation? Yeah. Yeah. And and that's probably what I was thinking. Yeah.\n\nIt it it is a base of income. Well, I definitely want to I definitely want to get into the property market. So I have I have done a little a tiny bit of research about buying a house through my super. I don't I don't know if this is where I wanna go, but I I definitely wanna investigate if that is a viable and smart option for myself because I I think, yeah, I need to I need to do something in the property market. Yeah.\n\nCool. It's like fucking deep because they're a bunch of morons. Okay. So I can't do that. Yeah.\n\nI'm not I'm not interested in commercial property. Yeah. Okay. To be honest, it's not really a serious concern. They're saying that, like, you just never know what's gonna happen in life.\n\nSo, yeah, probably yeah. To be honest, I haven't really thought about that side of it. Yep. Yes. Yes.\n\nGood. Yep. Okay. I had I've just I've just started putting $250 a week away. I have, yeah, I have about just over $10 in crypto that it it's not getting spent.\n\nIt's just sitting there. Yeah. So I'm hoping, like, within the next twelve months to have, yeah, a little bit of coins saved up. Yep. Cool.\n\nNo. No. No. No cars. I ain't done.\n\nNo. Yep. Crypto crypto was a bit of fun. I'm not taking it too seriously, to be honest, and I I probably won't invest any more money into it. Yeah.\n\nNot at this stage anyhow. Okay. Well, I probably would be. Yeah. Yeah.\n\nI would I would be interested. No. Yeah. Yep. Yeah.\n\nI do. Yeah. I can see right now I've got 20 $229,630. Yeah. Yep.\n\nYep. Yep. Okay. Okay. Okay.\n\nThe higher fee higher fee with the higher return. Yep. Yep. Yep. Okay.\n\nSo yep. No. No. I understand. I understand what you're saying.\n\nSo you're saying I should probably not be as aggressive? Yeah. Yep. I get what you mean. I'm happy I'm I'm happy to do that.\n\nYep. Yep. I I understand what you mean. No. I don't.\n\nYep. Okay. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. You I'm understanding. Yep.\n\nYou don't need that. Yep. No worries. Yep. Okay.\n\nYep. Yep. That's fine. No. That's it, mate.\n\nCool. Good luck with the newborn, mate. Yeah. Yep. Yep.\n\nI'm glad it's you and not me. Have a great day, mate. Appreciate the call. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.016479074954986572},{"text":"Hello.","start":1.68,"end":2.0,"sentiment":"neutral","sentiment_score":0.022358790040016174},{"text":"Nick speaking.","start":2.0,"end":2.74,"sentiment":"neutral","sentiment_score":0.016923696734011173},{"text":"Hi, Nick.","start":5.52,"end":5.92,"sentiment":"neutral","sentiment_score":0.05036704242229462},{"text":"How are 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I'm understanding.","start":1092.335,"end":1094.115,"sentiment":"neutral","sentiment_score":-0.10976843039194743},{"text":"Yep.","start":1105.6,"end":1105.84,"sentiment":"neutral","sentiment_score":0.08308297395706177}],"sentiment":"neutral","sentiment_score":-0.11521854145186287,"num_words":7,"start":1091.615,"end":1105.84},{"sentences":[{"text":"You don't need that.","start":1105.84,"end":1106.9,"sentiment":"neutral","sentiment_score":0.011294292751699686},{"text":"Yep.","start":1129.62,"end":1130.12,"sentiment":"neutral","sentiment_score":0.129071444272995},{"text":"No worries.","start":1130.34,"end":1131.1599,"sentiment":"neutral","sentiment_score":0.1630231961607933},{"text":"Yep.","start":1175.015,"end":1175.515,"sentiment":"neutral","sentiment_score":0.11663377285003662},{"text":"Okay.","start":1178.135,"end":1178.635,"sentiment":"neutral","sentiment_score":0.1313340961933136}],"sentiment":"neutral","sentiment_score":0.08314031962719229,"num_words":9,"start":1105.84,"end":1178.635},{"sentences":[{"text":"Yep.","start":1200.005,"end":1200.405,"sentiment":"neutral","sentiment_score":0.20841090381145477},{"text":"Yep.","start":1200.405,"end":1200.725,"sentiment":"neutral","sentiment_score":0.23220431804656985},{"text":"That's fine.","start":1200.725,"end":1201.5449,"sentiment":"positive","sentiment_score":0.47553209960460663},{"text":"No.","start":1206.1649,"end":1206.485,"sentiment":"neutral","sentiment_score":0.02649698406457901},{"text":"That's it, mate.","start":1206.485,"end":1207.465,"sentiment":"neutral","sentiment_score":0.1951537032922109}],"sentiment":"neutral","sentiment_score":0.2504546893760562,"num_words":8,"start":1200.005,"end":1207.465},{"sentences":[{"text":"Cool.","start":1214.0701,"end":1214.4701,"sentiment":"positive","sentiment_score":0.6475346088409424},{"text":"Good luck with the newborn, mate.","start":1214.4701,"end":1216.25,"sentiment":"positive","sentiment_score":0.7267869412899017},{"text":"Yeah.","start":1220.15,"end":1220.65,"sentiment":"neutral","sentiment_score":0.019849209114909172},{"text":"Yep.","start":1230.215,"end":1230.715,"sentiment":"neutral","sentiment_score":0.10806527733802795},{"text":"Yep.","start":1230.775,"end":1231.015,"sentiment":"neutral","sentiment_score":0.15691936016082764}],"sentiment":"positive","sentiment_score":0.5293090103194118,"num_words":10,"start":1214.0701,"end":1231.015},{"sentences":[{"text":"I'm glad it's you and not me.","start":1231.015,"end":1232.635,"sentiment":"positive","sentiment_score":0.46034139820507597},{"text":"Have a great day, mate.","start":1236.4509,"end":1237.491,"sentiment":"positive","sentiment_score":0.7841364145278931},{"text":"Appreciate the call.","start":1237.491,"end":1238.6309,"sentiment":"positive","sentiment_score":0.6780547300974528},{"text":"Thank you.","start":1241.0109,"end":1241.491,"sentiment":"positive","sentiment_score":0.7092209160327911},{"text":"Bye.","start":1241.491,"end":1241.991,"sentiment":"neutral","sentiment_score":-0.08919626474380493}],"sentiment":"positive","sentiment_score":0.5836934232049518,"num_words":18,"start":1231.015,"end":1241.991}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Yep.\n\nChannel 1: Hello? Hello. Nick speaking.\n\nChannel 0: So Tommy here again from both of you, mate. Have I caught you\n\nChannel 1: Hi,\n\nChannel 0: at\n\nChannel 1: Nick.\n\nChannel 0: a better\n\nChannel 1: How are you?\n\nChannel 0: time? Mate, fantastic. It's a beautiful week. Happy Friday.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Alrighty. Mate, I've got a bit of a pack I'm gonna send through here just so you've got it there for the review.\n\nChannel 1: Yep.\n\nChannel 0: I'm just gonna start with the usual security check with you, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So I'm registered with Atticus adviser 1273105. Could I just get your date of birth and address?\n\nChannel 1: 06/25/1980. My address is 20 Beckwith Avenue In Alphington 3078 Victoria.\n\nChannel 0: Fantastic. Thank you very much for that, mate. How's your week been? Alright?\n\nChannel 1: Hectic.\n\nChannel 0: I said, alrighty. Do I have much time with you this morning, or should I try and keep it nice\n\nChannel 1: You\n\nChannel 0: and\n\nChannel 1: probably you're a little bit\n\nChannel 0: yeah. Cool. I won't take too long, mate. Just a couple of things I wanted to run by you that I'm looking to update. Now I'll send that pack through to you.\n\nIt's just got the usual updated report, services guide, service agreement, and tax file declaration, and a bit of a summary of the super insurances there. But is there anything\n\nChannel 1: Yep.\n\nChannel 0: in particular that you wanted to get out of this year's review outside of what I had on the agenda?\n\nChannel 1: No. No. No. No.\n\nChannel 0: Perfect. So I was just gonna start with quickly updating a couple of your details just because we've got new system, and I just wanna make sure all this is accurate. Is that alright?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So we're looking towards a pretty strong retirement goal, $8.65, about $2,000 a week, just in terms of goals. So we're trying to grow the super as fast as possible for a little bit of an earlier retirement. And the main thing I can see here is a pretty big focus on, obviously, property and just try to sort of get into the property market, that kind of thing. Does it sound about right?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. We had you down as a chef earning about 190.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. And you do a lot of staff training, operations type of thing,\n\nChannel 1: Yes. Uh-oh.\n\nChannel 0: more so than kind of on the tool?\n\nChannel 1: It's it's it's everything, mate.\n\nChannel 0: Everything. Alright. Cool. Cool. Cool.\n\nWe've got she's married with Brianna. Assets wise, two motor vehicles. We had about $8 in savings and about $12 in crypto.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Any major changes there or any new loans or assets I can note down?\n\nChannel 1: No. Not really.\n\nChannel 0: Cool. Awesome. I'll just start with the easy things, then I'll jump into the super with you. When it comes to the insurance side, we had\n\nChannel 1: Yep.\n\nChannel 0: a a previous health episode where you had some surgery,\n\nChannel 1: From\n\nChannel 0: a\n\nChannel 1: what?\n\nChannel 0: bit of, like,\n\nChannel 1: Surgery?\n\nChannel 0: colonoscopy. But, yeah, I think you had a previous surgery on your right knee a while ago.\n\nChannel 1: Yeah. Like, we're talking, yeah, a fair while ago.\n\nChannel 0: Yep. Fair while ago. No sort of current issues that you can note?\n\nChannel 1: No. Not at all. I've\n\nChannel 0: Beautiful. So\n\nChannel 1: lost I've lost\n\nChannel 0: what\n\nChannel 1: I've lost 70 kilos in weight in the last two years. So I'm it's it's probably the healthiest I've ever been in my life.\n\nChannel 0: Woah. Did you say 70? Seven zero?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Okay. That's\n\nChannel 1: And\n\nChannel 0: fantastic.\n\nChannel 1: I and I'm and\n\nChannel 0: Dude,\n\nChannel 1: I'm\n\nChannel 0: did\n\nChannel 1: running\n\nChannel 0: you do\n\nChannel 1: and I'm running and walking about a 150 kilometers a week.\n\nChannel 0: that's sensational. Good on you, Nick. Mate, when it comes to the BMI side of things, what are you sitting at at the moment, Caleb?\n\nChannel 1: Twenty four point one.\n\nChannel 0: Twenty four point one. Holy diver.\n\nChannel 1: I haven't\n\nChannel 0: That's\n\nChannel 1: I haven't\n\nChannel 0: insane.\n\nChannel 1: been in the I haven't been in the twenties in not. But no idea. Yep.\n\nChannel 0: Probably would have been a kid at the time\n\nChannel 1: Yep. Perfect.\n\nChannel 0: based on\n\nChannel 1: Yep.\n\nChannel 0: on that. Wow. Okay. Easy done. So I just wanted to quickly ask you when it comes to the cover that you had.\n\nWe had a bit of transfer terms going on. So we've moved across in insurances. You've got a little bit of life and TBD there, 800,000 of each,\n\nChannel 1: Yep.\n\nChannel 0: and that's the lump sum. No income protection, no trauma cover. The premiums for the insurance are sitting about 1,500, and they dropped down 15% with the rebate. So what I wanted to ask you was were you wanting me to look for any quotes for income protection or anything like that, or is it mainly just leave that alone and focus on the super?\n\nChannel 1: What's your recommendation?\n\nChannel 0: Well, you've got a pretty damn high income, so it depends on, like, how much you've\n\nChannel 1: Yeah. Yeah. And and that's probably what I was thinking. Yeah. It it it is a base of income.\n\nChannel 0: Yep. And what's the I guess the main thing is priority wise, so you've got all this income going in. You're nice and healthy now. What are you trying to sort of get over the next five years?\n\nChannel 1: Well, I definitely want to I definitely want to get into the property market. So I have I have done a little a tiny bit of research about buying a house through my super.\n\nChannel 0: Yep.\n\nChannel 1: I don't I don't know if this is where I wanna go, but I I definitely wanna investigate if that is a viable and smart option for myself because\n\nChannel 0: Right.\n\nChannel 1: I I think, yeah, I need to I need to do something in the property market.\n\nChannel 0: Yes. Got you. Got you. Got you. So when it comes to the super side of things, so the government, when they went through and did their changes recently to tackle gains tax negative gearing, in\n\nChannel 1: Yeah.\n\nChannel 0: order to get that across the board, they did an agreement with the Greens to cancel out the super properties for residential.\n\nChannel 1: Cool. It's like fucking\n\nChannel 0: So\n\nChannel 1: deep\n\nChannel 0: that's\n\nChannel 1: because they're\n\nChannel 0: been\n\nChannel 1: a bunch of morons.\n\nChannel 0: yeah. It's been banned as of the tenth of octa August 10. The\n\nChannel 1: Okay. So I can't\n\nChannel 0: thing\n\nChannel 1: do\n\nChannel 0: that we\n\nChannel 1: that.\n\nChannel 0: can look at then no. You can do commercial property, which is a little bit fancier, but not\n\nChannel 1: Yeah.\n\nChannel 0: residential.\n\nChannel 1: I'm not I'm not interested in commercial property.\n\nChannel 0: Okay. Cool. Cool. So main thing would be just pulling in the savings and getting that first property on the run. And then from there, once you've got that first property, we can talk about, okay, once you built up a bit of equity, do we do some debt recycling, investing, other properties, and where we go\n\nChannel 1: Yeah.\n\nChannel 0: long term?\n\nChannel 1: Okay.\n\nChannel 0: Cool. So I reckon definitely focus on the property side of things. When it comes to income protection, the question always comes down to, like, what are you actually protecting? Because you've got the big income, but it's not like, you know, if your income like, you're off work for six months because you get injured. What does that do for the family in terms of, you know, when you've got the mortgage and the kids and everything, they're reliant on that income.\n\nIs that one of those things where you just absorb it and then go back to work, or is that a serious concern?\n\nChannel 1: To be honest, it's not really a serious concern.\n\nChannel 0: That's\n\nChannel 1: They're saying that, like, you just never know what's gonna happen in life. So, yeah, probably yeah. To be honest, I haven't really thought about that side of it.\n\nChannel 0: alright. I think the best thing to do at the moment is because you've had all the weight loss, the insurers tend to do this thing where they go, okay. Keep it off for a period of time. And for the big weight loss, they add back on half of it for the first twelve months. So what we basically should do is focus on build up the savings, get the property.\n\nAnd then once you've got that kind of mortgage there, you should be in a really good space to get some good pricing when it comes to income protection. Whereas if I did it now, they would still add on a little bit of loadings and and pricing prices, and and you don't have that debt yet. So I'm thinking maybe we do it in a few steps. Get the property, keep the weight off, and then I can do some really good quotes and see who's gonna offer you the best deal.\n\nChannel 1: Yep.\n\nChannel 0: Sound alright for you?\n\nChannel 1: Yes. Yes. Good.\n\nChannel 0: Cool. When we come to that time, like, I'll flag it for the next review that we do. And\n\nChannel 1: Yep.\n\nChannel 0: if we're if if it's a go, we'll do a bit of a pre assessment where we just go a bit more in-depth with the health and the occupation, and then, anonymously, we'll shoot that around to all the insurers and see if it's gonna offer the best rating and the best health outcome.\n\nChannel 1: Okay.\n\nChannel 0: Cool. So I'll put a bit of a flag on the account for that one. And, yeah, just keep doing what you're doing. Keep building up the savings. And just quickly on that note, are you setting aside a certain amount regularly to build that up, or what's your\n\nChannel 1: I\n\nChannel 0: cash\n\nChannel 1: had\n\nChannel 0: flow\n\nChannel 1: I've\n\nChannel 0: been\n\nChannel 1: just\n\nChannel 0: like?\n\nChannel 1: I've just started putting $250 a week away.\n\nChannel 0: Okay. Cool. Cool.\n\nChannel 1: I have, yeah, I have about just over $10 in crypto that it it's not getting spent. It's just sitting there.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I'm hoping, like, within the next twelve months to have, yeah, a little bit of coins saved up.\n\nChannel 0: Okay. Alrighty. So $2.50 a week, build up the deposit. We'll check-in and see what we do. If at any point you wanna jump into the property market, we've got, obviously, a network of brokers, accountants,\n\nChannel 1: Yep.\n\nChannel 0: lawyers, even buyer's agents that can hunt around the country for you. So anything you need, I will flag that and get someone to help you out.\n\nChannel 1: Cool.\n\nChannel 0: Beautiful. Now because of that cash flow priority, I'm I'm assuming we're not gonna be looking at doing any contributions with or anything in addition\n\nChannel 1: No.\n\nChannel 0: to that,\n\nChannel 1: No.\n\nChannel 0: like\n\nChannel 1: No.\n\nChannel 0: salary\n\nChannel 1: No\n\nChannel 0: sacrifice.\n\nChannel 1: cars. I ain't done. No.\n\nChannel 0: Yeah. No worries. Yeah. Deal with the main things first, and then when things open up, we can come back to that. Did\n\nChannel 1: Yep.\n\nChannel 0: you ever wanna look at personal investing once you've got a property under the belt outside of crypto, or is that more just like a super\n\nChannel 1: Crypto\n\nChannel 0: property\n\nChannel 1: crypto\n\nChannel 0: and and\n\nChannel 1: was\n\nChannel 0: do that?\n\nChannel 1: a bit\n\nChannel 0: Yep.\n\nChannel 1: of fun. I'm not taking it too seriously, to be honest, and I I probably won't invest any more money into it. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Not at this stage anyhow.\n\nChannel 0: Awesome. The only reason why I flagged that is because I do have some clients in the fund that you're in. So in Hub twenty four, they offer investment account alongside super accounts that are identical, and you can kind of have them linked together. They can reduce each other's fee, and you've got access to all those investment options, which it has the most options in the country. So it's just something\n\nChannel 1: Okay.\n\nChannel 0: that if you're interested in that, we can\n\nChannel 1: Well,\n\nChannel 0: do\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: probably\n\nChannel 0: with\n\nChannel 1: would\n\nChannel 0: you later\n\nChannel 1: be.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: well.\n\nChannel 1: Yeah.\n\nChannel 0: Cool.\n\nChannel 1: I would I\n\nChannel 0: I\n\nChannel 1: would be\n\nChannel 0: definitely\n\nChannel 1: interested.\n\nChannel 0: wouldn't say don't pull your cash into an investment account right now because they've just changed capital gains tax, and you probably don't wanna tie your funds up when you're saving for a property, if that makes\n\nChannel 1: No.\n\nChannel 0: sense.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. So I'll flag that again as maybe, like, in year three to five then,\n\nChannel 1: Yep.\n\nChannel 0: if that sounds okay. Beautiful. Now when it comes to the super, have you been keeping an eye on the hub login yourself\n\nChannel 1: Yeah.\n\nChannel 0: or you just\n\nChannel 1: I do.\n\nChannel 0: wait for the review\n\nChannel 1: Yeah. I\n\nChannel 0: pack?\n\nChannel 1: can see right now I've got 20 $229,630.\n\nChannel 0: Yep. I think when you came on board back in 2024 into this account, you had some really strong growth years for that first two. And then this year, it's not been as much growth as the previous years. Obviously, March, we had the war in Iran kind of drop the stock market kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: What's basically happened is gone from January. It went back up to $2.23, and then the war broke out, went down to 02/2004, and then it's jumped back up to 02/29. Really good contribution going in as well, of course, but there's some investments there that I'm sort of keeping my eye on that are a bit of a concern. So just quickly as a quick overview, so because you're in that that high growth space, 90% shares property gold, most of your super is in growth assets to get those high long term returns. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: So when you've got all your super in mostly all your super in growth assets, goes up and down like a bit of a roller coaster ride, but the main aim is in a cycle, economy grows. You get five years where the super in the market go up ten, twenty, 30%, then there's a GFC, a COVID, whatever it is, and the market drops down. Once all of that's said and done, you're basically aiming for an average benchmark of about 10% or above. That's kind of your your long term average. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. Now this one, it's done about half that for this twelve months, but it's still doing it over three, five, and ten years. But what I wanted to just flag with you is one of the investment options in particular. So you've got about nine different investments, and that's split between, like, property, gold, lithium, which incredible. Your electric vehicles have gone up 75%.\n\nGold's up double digits. Everything's doing fantastic. Ben along Australian shares have had a bit of a drop.\n\nChannel 1: Okay.\n\nChannel 0: Now the reason why that one concerns me at the moment is because that's not performing in line with the Australian stock market. So the Australian stock market did go down, but it came back up. This one went down a little bit further, but didn't come back up as much. So what I'm sort of saying there is that out of nine options, one of them hasn't done so well. The rest of them, I don't see a problem with any of them.\n\nThey're all doing fantastic.\n\nChannel 1: Okay.\n\nChannel 0: So what I wanna do is I need to do a bit of an engine tune up where I'm not gonna wait for this one to try and bounce back. When I've done the research on this one for your account, there's some concerns with the fund managers. They've lost a few people, and most of their talent kind of walked out the door. So what I'm thinking is I wanna do a bit of a switch out of that one option and get you a replacement for that one portion of the super. What I wanted to gauge with you is because Hub's got 1,300 options there, I kinda need to whittle it down just a little bit.\n\nDo you have a preference between low fees or higher fees to get a higher return?\n\nChannel 1: Okay. The higher fee higher fee with the higher return.\n\nChannel 0: Okay. So what that basically means is most of the options are pretty low fees in there. The Australian shares one that's not doing so well. I basically need to find a like for like replacement in that active spot. So I've got a\n\nChannel 1: Yep.\n\nChannel 0: couple I've been researching that I've got on the the back end that we're looking at, and all I'm gonna do is just do an updated comparison for you, show you the differences between them. It's a bit cheaper, bit better performance. It has been outperforming the Australian market. And when I mix that into the portfolio, it kind of brings you back up to that kind of 12% average that you're looking for.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So I'll do that there. Are you still comfortable with the idea of, you know, staying high growth and getting all the growth out of it now, and then when you get closer to retirement, focusing on protecting it?\n\nChannel 1: Yep.\n\nChannel 0: Reason why I say that is because it goes up and down quite a bit. Now that you've built $200 up, anytime we get a 10 or 20% return, we're talking 25 to 50,000. It's going up and down in those directions.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: yep.\n\nChannel 0: so you go for it, man?\n\nChannel 1: No. No. I understand. I understand what you're saying. So you're saying I should probably not be as aggressive?\n\nChannel 0: Opposite. So now that you've built the base up, when we get those really good returns, it's gonna be a huge balance increase. So what tends to happen is, let's say, the world ships to bed tomorrow and we have another\n\nChannel 1: Yeah.\n\nChannel 0: GST. Your balance will actually go from $2.30 back to, like, $1.80, and then before you know it, it's 300,000 the next year.\n\nChannel 1: Yep. I get what you mean.\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: the\n\nChannel 1: happy\n\nChannel 0: the\n\nChannel 1: I'm\n\nChannel 0: level\n\nChannel 1: I'm\n\nChannel 0: of\n\nChannel 1: happy\n\nChannel 0: volatility\n\nChannel 1: to do that.\n\nChannel 0: we're talking about. Yep. Okay. And then once we've built up that million dollars or whatever the target is and you're about ten years off retirement, then we start reducing the risk level and go from\n\nChannel 1: Yep.\n\nChannel 0: 90% growth, eighty, seventy, 60, fifty, forty, and there's your pension account to retire on.\n\nChannel 1: Yep. I I understand what you mean.\n\nChannel 0: Perfect. So I won't do any salary sacrifice for this year's updated plan. I'll go through and update that investment option for you and show you the differences there, and we'll keep it high growth for the time being. Now there's probably no point looking at changing super funds at this point. Hub hasn't changed its fees or features or anything like that unless you want me to look around.\n\nBut\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: think\n\nChannel 1: don't.\n\nChannel 0: if I can get a good option mixed in yep. Cool. Alrighty. So that gives me a bit of a direction there. And, again, like I said, I won't touch the insurances until a little bit later.\n\nWe'll basically\n\nChannel 1: Yep.\n\nChannel 0: let you build up your savings first, see how the health goes in twelve month time, then we'll revisit some income protection. Once you got the property, we might talk about doing a bit of an investment account after\n\nChannel 1: Okay.\n\nChannel 0: that. Awesome. How does that sound for you? Perfect. Any questions on that so far?\n\nI know I just kind of went a bit bit\n\nChannel 1: No.\n\nChannel 0: quick and\n\nChannel 1: No. No.\n\nChannel 0: info\n\nChannel 1: No. No. No. No.\n\nChannel 0: done.\n\nChannel 1: No. No. No. No.\n\nChannel 0: Gotcha.\n\nChannel 1: No. No. No. No. No.\n\nYou I'm understanding.\n\nChannel 0: Beautiful. So what I'll do is I'm just about to go on a tiny bit of leave. Just had a newborn baby there, so I'm just taking a bit of leave off.\n\nChannel 1: Yep.\n\nChannel 0: And as\n\nChannel 1: You\n\nChannel 0: soon\n\nChannel 1: don't\n\nChannel 0: as\n\nChannel 1: need\n\nChannel 0: I\n\nChannel 1: that.\n\nChannel 0: get back yeah. Mate, if I'm slowing my words a little bit, a little bit long, please. We're getting there. I will flag in for the team to book you in to go through that updated strategy. As soon as I get back, they'll pretty much just do those comparisons and update your strategy projections and then just keep an ear out for them to kind of book you in to go through that with me.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Outside of that, so I'll update all the notes there with that kind of one three five year plan. The pack that I've sent through to you, again, it's just got the summary of the super and the insurances, the updated service agreement. Quick heads up on the overview services. So the usual fee for us is at 1.65 percent spread throughout the year on the monthly payment. But next year, Barton's Debbie, they've been coming up with a bit of a keyed fee structure.\n\nSo everybody above 200,000 is gonna start to get some percentage discount, you know, like 200 to 500,000, 500,000 to a million. So this service agreement is exactly the same as the last one, but\n\nChannel 1: Yep.\n\nChannel 0: next year, there should be some discount applied.\n\nChannel 1: Okay.\n\nChannel 0: So lucky last one is just tax file number. Cybersecurity issues were pretty right the last couple of years, so we're just doing an opt in form for us to hold your tax code number on one document rather than six digital systems for the hackers to grab. So I have included that in there, and I just wanna make sure you're comfortable with that.\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Beautiful. Any questions for me before I let you go back to your weekend?\n\nChannel 1: No. That's it, mate.\n\nChannel 0: Easy done. I will get right back into it and talk to you in a couple of weeks' time.\n\nChannel 1: Cool. Good luck with the newborn, mate.\n\nChannel 0: Thank you very much, mate. It's number three.\n\nChannel 1: Yeah.\n\nChannel 0: The boys are kind of smitten, but I I know I'll be happy when I'm 60, and they're all sitting around the bed there. But at the moment, it's just just get through the next few months, and it\n\nChannel 1: Yep.\n\nChannel 0: should be.\n\nChannel 1: Yep. I'm glad it's you and not me.\n\nChannel 0: Thank you\n\nChannel 1: Have\n\nChannel 0: so much\n\nChannel 1: a\n\nChannel 0: for\n\nChannel 1: great\n\nChannel 0: your\n\nChannel 1: day,\n\nChannel 0: time today,\n\nChannel 1: mate. Appreciate\n\nChannel 0: Nate.\n\nChannel 1: the call.\n\nChannel 0: You too. Cheers.\n\nChannel 1: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Yep.","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.02333545684814453}],"sentiment":"neutral","sentiment_score":0.02333545684814453,"channel":0,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.016479074954986572},{"text":"Hello.","start":1.68,"end":2.0,"sentiment":"neutral","sentiment_score":0.022358790040016174},{"text":"Nick speaking.","start":2.0,"end":2.74,"sentiment":"neutral","sentiment_score":0.016923696734011173}],"sentiment":"neutral","sentiment_score":0.018171314615756273,"channel":1,"num_words":4,"start":0.16,"end":2.74},{"sentences":[{"text":"So Tommy here again from both of you, mate.","start":3.28,"end":4.96,"sentiment":"neutral","sentiment_score":0.054276573989126414},{"text":"Have I caught 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best deal.","start":504.51498,"end":510.57,"sentiment":"positive","sentiment_score":0.3661734277009964}],"sentiment":"neutral","sentiment_score":0.1796084137593386,"channel":0,"num_words":93,"start":486.18002,"end":510.57},{"sentences":[{"text":"Yep.","start":511.335,"end":511.835,"sentiment":"neutral","sentiment_score":0.2512533366680145}],"sentiment":"neutral","sentiment_score":0.2512533366680145,"channel":1,"num_words":1,"start":511.335,"end":511.835},{"sentences":[{"text":"Sound alright for 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do.","start":516.95,"end":520.635,"sentiment":"neutral","sentiment_score":0.26915905493147235},{"text":"And","start":520.875,"end":521.375,"sentiment":"neutral","sentiment_score":0.1629473865032196}],"sentiment":"neutral","sentiment_score":0.2794491389864369,"channel":0,"num_words":19,"start":516.31,"end":521.375},{"sentences":[{"text":"Yep.","start":521.175,"end":521.675,"sentiment":"neutral","sentiment_score":0.2043953388929367}],"sentiment":"neutral","sentiment_score":0.2043953388929367,"channel":1,"num_words":1,"start":521.175,"end":521.675},{"sentences":[{"text":"if we're if if it's a go, we'll do a bit of a pre assessment where we just go a bit more in-depth with the health and the occupation, and then, anonymously, we'll shoot that around to all the insurers and see if it's gonna offer the best rating and the best health outcome.","start":521.59503,"end":534.06,"sentiment":"neutral","sentiment_score":0.19917332077467884}],"sentiment":"neutral","sentiment_score":0.19917332077467884,"channel":0,"num_words":54,"start":521.59503,"end":534.06},{"sentences":[{"text":"Okay.","start":535.08997,"end":535.58997,"sentiment":"neutral","sentiment_score":0.21529802680015564}],"sentiment":"neutral","sentiment_score":0.21529802680015564,"channel":1,"num_words":1,"start":535.08997,"end":535.58997},{"sentences":[{"text":"Cool.","start":536.86,"end":537.1,"sentiment":"neutral","sentiment_score":0.31663262844085693},{"text":"So I'll put a bit of a flag on the account for that one.","start":537.1,"end":539.66,"sentiment":"neutral","sentiment_score":0.22845747854028428},{"text":"And, yeah, just keep doing what you're doing.","start":539.66,"end":541.5,"sentiment":"neutral","sentiment_score":0.2925954610109329},{"text":"Keep building up the 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there.","start":563.63,"end":564.93,"sentiment":"neutral","sentiment_score":0.011415253393352032}],"sentiment":"neutral","sentiment_score":0.05074968898580188,"channel":1,"num_words":21,"start":558.43,"end":564.93},{"sentences":[{"text":"Yep.","start":565.91003,"end":566.41003,"sentiment":"neutral","sentiment_score":0.07594738900661469}],"sentiment":"neutral","sentiment_score":0.07594738900661469,"channel":0,"num_words":1,"start":565.91003,"end":566.41003},{"sentences":[{"text":"Yeah.","start":567.375,"end":567.615,"sentiment":"neutral","sentiment_score":0.08433006703853607},{"text":"So I'm hoping, like, within the next twelve months to have, yeah, a little bit of coins saved 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drop.","start":819.55,"end":822.45,"sentiment":"neutral","sentiment_score":-0.23518211055885663}],"sentiment":"neutral","sentiment_score":0.007783833477232192,"channel":0,"num_words":18,"start":816.83496,"end":822.45},{"sentences":[{"text":"Okay.","start":825.235,"end":825.735,"sentiment":"neutral","sentiment_score":-0.10791591554880142}],"sentiment":"neutral","sentiment_score":-0.10791591554880142,"channel":1,"num_words":1,"start":825.235,"end":825.735},{"sentences":[{"text":"Now the reason why that one concerns me at the moment is because that's not performing in line with the Australian stock market.","start":826.35004,"end":833.295,"sentiment":"neutral","sentiment_score":-0.1931385980999988},{"text":"So the Australian stock market did go down, but it came back up.","start":833.615,"end":836.975,"sentiment":"neutral","sentiment_score":-0.18098467129927415},{"text":"This one went down a little bit further, but didn't come back up as 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back yeah.","start":1106.505,"end":1108.505,"sentiment":"neutral","sentiment_score":0.022964358950654667},{"text":"Mate, if I'm slowing my words a little bit, a little bit long, please.","start":1108.505,"end":1111.8651,"sentiment":"neutral","sentiment_score":-0.022234309930354357},{"text":"We're getting there.","start":1111.8651,"end":1112.8451,"sentiment":"neutral","sentiment_score":0.10865072906017303},{"text":"I will flag in for the team to book you in to go through that updated strategy.","start":1114.5851,"end":1118.8451,"sentiment":"neutral","sentiment_score":0.1355935102876495},{"text":"As soon as I get back, they'll pretty much just do those comparisons and update your strategy projections and then just keep an ear out for them to kind of book you in to go through that with me.","start":1119.0651,"end":1128.79,"sentiment":"neutral","sentiment_score":0.1475713950319168}],"sentiment":"neutral","sentiment_score":0.10715709218608313,"channel":0,"num_words":76,"start":1106.505,"end":1128.79},{"sentences":[{"text":"Yep.","start":1129.62,"end":1130.12,"sentiment":"neutral","sentiment_score":0.129071444272995},{"text":"No worries.","start":1130.34,"end":1131.1599,"sentiment":"neutral","sentiment_score":0.1630231961607933}],"sentiment":"neutral","sentiment_score":0.1517059455315272,"channel":1,"num_words":3,"start":1129.62,"end":1131.1599},{"sentences":[{"text":"Outside of that, so I'll update all the notes there with that kind of one three five year plan.","start":1132.7051,"end":1137.8451,"sentiment":"neutral","sentiment_score":0.17151904576703123},{"text":"The pack that I've sent through to you, again, it's just got the summary of the super and the insurances, the updated service 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conversation between a representative from Nick and Tommy, they discuss updating their retirement goals and income protection, as well as the benefits of working with a company and personal investments. They emphasize the importance of building savings and maintaining a stable income to avoid unnecessary risk and the need to focus on maintaining a high growth rate for retirement. They also discuss the risks of changing super funds and the impact of the Australian stock market on the Australian stock market. The speakers emphasize the importance of maintaining a high growth rate for retirement and the potential risks of changing super funds. They also mention the possibility of reducing risk levels and increasing growth for the plan, as well as the upcoming birth of their child."},"intents":{"segments":[{"text":"So I just wanted to quickly ask you when it comes to the cover that you had.","start_word":659,"end_word":675,"intents":[{"intent":"Inquire about coverage","confidence_score":0.18019412},{"intent":"Gather information","confidence_score":0.0039650304}]},{"text":"Well, I definitely want to I definitely want to get into the property market. So I have I have done a little a tiny bit of research about buying a house through my super. Yep.","start_word":845,"end_word":879,"intents":[{"intent":"Explore property market options","confidence_score":0.0055076648}]},{"text":"Well, I definitely want to I definitely want to get into the property market. So I have I have done a little a tiny bit of research about buying a house through my super. Yep. I don't I don't know if this is where I wanna go, but I I definitely wanna investigate if that is a viable and smart option for myself because Right.","start_word":845,"end_word":909,"intents":[{"intent":"Explore options","confidence_score":0.05247082}]},{"text":"You can do commercial property, which is a little bit fancier, but not Yeah. residential.","start_word":1027,"end_word":1041,"intents":[{"intent":"Discuss property purchases","confidence_score":0.0017209323}]},{"text":"So main thing would be just pulling in the savings and getting that first property on the run. And then from there, once you've got that first property, we can talk about, okay, once you built up a bit of equity, do we do some debt recycling, investing, other properties, and where we go Yeah.","start_word":1052,"end_word":1106,"intents":[{"intent":"Discuss debt recycling","confidence_score":0.13822114},{"intent":"Discuss debt recycling","confidence_score":0.18407056},{"intent":"Discuss debt recycling","confidence_score":0.1390603}]},{"text":"When it comes to income protection, the question always comes down to, like, what are you actually protecting?","start_word":1122,"end_word":1139,"intents":[{"intent":"Discuss income protection","confidence_score":0.7563547}]},{"text":"Whereas if I did it now, they would still add on a little bit of loadings and and pricing prices, and and you don't have that debt yet.","start_word":1356,"end_word":1383,"intents":[{"intent":"Discuss property price","confidence_score":0.00020915555}]},{"text":"When we come to that time, like, I'll flag it for the next review that we do. And Yep.","start_word":1429,"end_word":1447,"intents":[{"intent":"Assess property for review","confidence_score":0.000013813498}]},{"text":"you ever wanna look at personal investing once you've got a property under the belt outside of crypto, or is that more just like a super Crypto property crypto and and was do that? a bit Yep.","start_word":1741,"end_word":1777,"intents":[{"intent":"Discuss personal investing","confidence_score":0.19397525},{"intent":"Discuss investments","confidence_score":0.031314228}]},{"text":"The only reason why I flagged that is because I do have some clients in the fund that you're in. So in Hub twenty four, they offer investment account alongside super accounts that are identical, and you can kind of have them linked together. They can reduce each other's fee, and you've got access to all those investment options, which it has the most options in the country. So it's just something Okay.","start_word":1808,"end_word":1880,"intents":[{"intent":"Flag investment account","confidence_score":0.047854222}]},{"text":"I would I I would be definitely interested. wouldn't say don't pull your cash into an investment account right now because they've just changed capital gains tax, and you probably don't wanna tie your funds up when you're saving for a property, if that makes No. sense.","start_word":1904,"end_word":1950,"intents":[{"intent":"Discuss capital gains tax","confidence_score":0.16254511}]},{"text":"Obviously, March, we had the war in Iran kind of drop the stock market kind of thing. Yeah.","start_word":2051,"end_word":2068,"intents":[{"intent":"Discuss war in iran","confidence_score":0.28578222},{"intent":"Discuss war in iran","confidence_score":0.35203207},{"intent":"Discuss war in iran","confidence_score":0.23793094}]},{"text":"It's a bit cheaper, bit better performance. It has been outperforming the Australian market. And when I mix that into the portfolio, it kind of brings you back up to that kind of 12% average that you're looking for. Yep. Cool.","start_word":2666,"end_word":2706,"intents":[{"intent":"Compare portfolio prices","confidence_score":0.0011051119}]},{"text":"So I won't do any salary sacrifice for this year's updated plan. I'll go through and update that investment option for you and show you the differences there, and we'll keep it high growth for the time being.","start_word":2964,"end_word":3001,"intents":[{"intent":"Update investment option","confidence_score":0.0008125382}]},{"text":"Once you got the property, we might talk about doing a bit of an investment account after Okay. that.","start_word":3101,"end_word":3119,"intents":[{"intent":"Discuss investment account","confidence_score":0.14652488}]},{"text":"I will flag in for the team to book you in to go through that updated strategy. As soon as I get back, they'll pretty much just do those comparisons and update your strategy projections and then just keep an ear out for them to kind of book you in to go through that with me. Yep.","start_word":3230,"end_word":3286,"intents":[{"intent":"Update strategy and plan for reviewing strategy","confidence_score":1.5222433e-7}]}]},"sentiments":{"segments":[{"text":"Yep. Hello? Hello. Nick speaking. So Tommy here again from both of you, mate. Have I caught you Hi, at a Nick. better How are time? you?","start_word":0,"end_word":26,"sentiment":"neutral","sentiment_score":0.05022059753537178},{"text":"Mate, fantastic. It's a beautiful week. Happy Friday.","start_word":27,"end_word":34,"sentiment":"positive","sentiment_score":0.7343787550926208},{"text":"Okay. Yep. Alrighty. Mate, I've got a bit of a pack I'm gonna send through here just so you've got it there for the review. Yep. I'm just gonna start with the usual security check with you, if that's okay. Yep. Cool. So I'm registered with Atticus adviser 1273105. Could I just get your date of birth and address? 06/25/1980. My address is 20 Beckwith Avenue In Alphington 3078 Victoria.","start_word":35,"end_word":104,"sentiment":"neutral","sentiment_score":0.0916239619255066},{"text":"Fantastic. Thank you very much for that, mate.","start_word":105,"end_word":112,"sentiment":"positive","sentiment_score":0.653091549873352},{"text":"How's your week been? Alright? Hectic. I said, alrighty. Do I have much time with you this morning, or should I try and keep it nice You and probably you're a little bit yeah. Cool. I won't take too long, mate. Just a couple of things I wanted to run by you that I'm looking to update. Now I'll send that pack through to you. It's just got the usual updated report, services guide, service agreement, and tax file declaration, and a bit of a summary of the super insurances there. But is there anything Yep. in particular that you wanted to get out of this year's review outside of what I had on the agenda? No. No. No. No. Perfect. So I was just gonna start with quickly updating a couple of your details just because we've got new system, and I just wanna make sure all this is accurate. Is that alright? Yep. Perfect. So we're looking towards a pretty strong retirement goal, $8.65, about $2,000 a week, just in terms of goals. So we're trying to grow the super as fast as possible for a little bit of an earlier retirement. And the main thing I can see here is a pretty big focus on, obviously, property and just try to sort of get into the property market, that kind of thing. Does it sound about right? Yep.","start_word":113,"end_word":343,"sentiment":"neutral","sentiment_score":0.08383890986442566},{"text":"Beautiful.","start_word":344,"end_word":344,"sentiment":"positive","sentiment_score":0.6090953350067139},{"text":"We had you down as a chef earning about 190. Yep.","start_word":345,"end_word":355,"sentiment":"neutral","sentiment_score":0.1802708804607391},{"text":"Awesome.","start_word":356,"end_word":356,"sentiment":"positive","sentiment_score":0.5616738796234131},{"text":"And you do a lot of staff training, operations type of thing, Yes. Uh-oh. more so than kind of on the tool? It's it's it's everything, mate. Everything. Alright.","start_word":357,"end_word":385,"sentiment":"neutral","sentiment_score":0.148409903049469},{"text":"Cool. Cool.","start_word":386,"end_word":387,"sentiment":"positive","sentiment_score":0.3942670226097107},{"text":"Cool. We've got she's married with Brianna. Assets wise, two motor vehicles. We had about $8 in savings and about $12 in crypto. Yep. Cool. Any major changes there or any new loans or assets I can note down? No. Not really. Cool. Awesome. I'll just start with the easy things, then I'll jump into the super with you. When it comes to the insurance side, we had Yep. a a previous health episode where you had some surgery, From a what? bit of, like, Surgery? colonoscopy. But, yeah, I think you had a previous surgery on your right knee a while ago. Yeah. Like, we're talking, yeah, a fair while ago. Yep. Fair while ago. No sort of current issues that you can note? No. Not at all. I've Beautiful. So lost I've lost what I've lost 70 kilos in weight in the last two years. So I'm it's it's probably the healthiest I've ever been in my life. Woah. Did you say 70? Seven zero? Yes. Correct. Okay.","start_word":388,"end_word":557,"sentiment":"neutral","sentiment_score":0.05077742040157318},{"text":"That's And fantastic.","start_word":558,"end_word":560,"sentiment":"positive","sentiment_score":0.47608861327171326},{"text":"I and I'm and Dude, I'm did running you do and I'm running and walking about a 150 kilometers a week.","start_word":561,"end_word":581,"sentiment":"neutral","sentiment_score":0.32078817486763},{"text":"that's sensational.","start_word":582,"end_word":583,"sentiment":"positive","sentiment_score":0.6213423013687134},{"text":"Good on you, Nick. Mate, when it comes to the BMI side of things, what are you sitting at at the moment, Caleb? Twenty four point one. Twenty four point one. Holy diver. I haven't That's I haven't insane. been in the I haven't been in the twenties in not. But no idea. Yep. Probably would have been a kid at the time Yep. Perfect. based on Yep. on that. Wow. Okay. Easy done. So I just wanted to quickly ask you when it comes to the cover that you had. We had a bit of transfer terms going on. So we've moved across in insurances. You've got a little bit of life and TBD there, 800,000 of each, Yep. and that's the lump sum. No income protection, no trauma cover. The premiums for the insurance are sitting about 1,500, and they dropped down 15% with the rebate. So what I wanted to ask you was were you wanting me to look for any quotes for income protection or anything like that, or is it mainly just leave that alone and focus on the super? What's your recommendation? Well, you've got a pretty damn high income, so it depends on, like, how much you've Yeah. Yeah. And and that's probably what I was thinking. Yeah. It it it is a base of income. Yep. And what's the I guess the main thing is priority wise, so you've got all this income going in.","start_word":584,"end_word":826,"sentiment":"neutral","sentiment_score":0.04394182667074871},{"text":"You're nice and healthy now.","start_word":827,"end_word":831,"sentiment":"positive","sentiment_score":0.648745059967041},{"text":"What are you trying to sort of get over the next five years? Well, I definitely want to I definitely want to get into the property market. So I have I have done a little a tiny bit of research about buying a house through my super. Yep. I don't I don't know if this is where I wanna go, but I I definitely wanna investigate if that is a viable and smart option for myself because Right. I I think, yeah, I need to I need to do something in the property market. Yes. Got you. Got you. Got you. So when it comes to the super side of things, so the government, when they went through and did their changes recently to tackle gains tax negative gearing, in Yeah. order to get that across the board, they did an agreement with the Greens to cancel out the super properties for residential.","start_word":832,"end_word":984,"sentiment":"neutral","sentiment_score":0.09556429088115692},{"text":"Cool. It's like fucking So deep that's because they're been a bunch of morons.","start_word":985,"end_word":998,"sentiment":"negative","sentiment_score":-0.6223846673965454},{"text":"yeah. It's been banned as of the tenth of octa August 10. The Okay.","start_word":999,"end_word":1012,"sentiment":"neutral","sentiment_score":-0.282905638217926},{"text":"So I can't thing do that we that.","start_word":1013,"end_word":1020,"sentiment":"negative","sentiment_score":-0.3946098089218139},{"text":"can look at then no. You can do commercial property, which is a little bit fancier, but not Yeah. residential. I'm not I'm not interested in commercial property. Okay.","start_word":1021,"end_word":1049,"sentiment":"neutral","sentiment_score":-0.134153976522643},{"text":"Cool. Cool. So main thing would be just pulling in the savings and getting that first property on the run.","start_word":1050,"end_word":1069,"sentiment":"positive","sentiment_score":0.5388479232788086},{"text":"And then from there, once you've got that first property, we can talk about, okay, once you built up a bit of equity, do we do some debt recycling, investing, other properties, and where we go Yeah. long term? Okay.","start_word":1070,"end_word":1109,"sentiment":"neutral","sentiment_score":0.2064896672964096},{"text":"Cool. So I reckon definitely focus on the property side of things.","start_word":1110,"end_word":1121,"sentiment":"positive","sentiment_score":0.35582879185676575},{"text":"When it comes to income protection, the question always comes down to, like, what are you actually protecting? Because you've got the big income, but it's not like, you know, if your income like, you're off work for six months because you get injured. What does that do for the family in terms of, you know, when you've got the mortgage and the kids and everything, they're reliant on that income. Is that one of those things where you just absorb it and then go back to work, or is that a serious concern? To be honest, it's not really a serious concern. That's They're saying that, like, you just never know what's gonna happen in life. So, yeah, probably yeah. To be honest, I haven't really thought about that side of it. alright. I think the best thing to do at the moment is because you've had all the weight loss, the insurers tend to do this thing where they go, okay. Keep it off for a period of time. And for the big weight loss, they add back on half of it for the first twelve months. So what we basically should do is focus on build up the savings, get the property. And then once you've got that kind of mortgage there, you should be in a really good space to get some good pricing when it comes to income protection. Whereas if I did it now, they would still add on a little bit of loadings and and pricing prices, and and you don't have that debt yet. So I'm thinking maybe we do it in a few steps.","start_word":1122,"end_word":1394,"sentiment":"neutral","sentiment_score":-0.002192447427660227},{"text":"Get the property, keep the weight off, and then I can do some really good quotes and see who's gonna offer you the best deal.","start_word":1395,"end_word":1419,"sentiment":"positive","sentiment_score":0.37339967489242554},{"text":"Yep. Sound alright for you? Yes.","start_word":1420,"end_word":1425,"sentiment":"neutral","sentiment_score":0.22357776761054993},{"text":"Yes. Good. Cool.","start_word":1426,"end_word":1428,"sentiment":"positive","sentiment_score":0.5130141973495483},{"text":"When we come to that time, like, I'll flag it for the next review that we do. And Yep. if we're if if it's a go, we'll do a bit of a pre assessment where we just go a bit more in-depth with the health and the occupation, and then, anonymously, we'll shoot that around to all the insurers and see if it's gonna offer the best rating and the best health outcome. Okay. Cool. So I'll put a bit of a flag on the account for that one. And, yeah, just keep doing what you're doing.","start_word":1429,"end_word":1525,"sentiment":"neutral","sentiment_score":0.22266019880771637},{"text":"Keep building up the savings.","start_word":1526,"end_word":1530,"sentiment":"positive","sentiment_score":0.35276883840560913},{"text":"And just quickly on that note, are you setting aside a certain amount regularly to build that up, or what's your I cash had flow I've been just like? I've just started putting $250 a week away. Okay. Cool. Cool. I have, yeah, I have about just over $10 in crypto that it it's not getting spent. It's just sitting there. Yep. Yeah. So I'm hoping, like, within the next twelve months to have, yeah, a little bit of coins saved up. Okay. Alrighty. So $2.50 a week, build up the deposit. We'll check-in and see what we do. If at any point you wanna jump into the property market, we've got, obviously, a network of brokers, accountants, Yep. lawyers, even buyer's agents that can hunt around the country for you. So anything you need, I will flag that and get someone to help you out.","start_word":1531,"end_word":1676,"sentiment":"neutral","sentiment_score":0.12456583976745604},{"text":"Cool. Beautiful.","start_word":1677,"end_word":1678,"sentiment":"positive","sentiment_score":0.4378213286399842},{"text":"Now because of that cash flow priority, I'm I'm assuming we're not gonna be looking at doing any contributions with or anything in addition No. to that, No. like No. salary No sacrifice. cars.","start_word":1679,"end_word":1712,"sentiment":"neutral","sentiment_score":-0.05445954948663711},{"text":"I ain't done.","start_word":1713,"end_word":1715,"sentiment":"negative","sentiment_score":-0.33692991733551025},{"text":"No. Yeah. No worries. Yeah. Deal with the main things first, and then when things open up, we can come back to that. Did Yep. you ever wanna look at personal investing once you've got a property under the belt outside of crypto, or is that more just like a super Crypto property crypto and and was do that? a bit Yep. of fun.","start_word":1716,"end_word":1779,"sentiment":"neutral","sentiment_score":0.043920030584558845},{"text":"I'm not taking it too seriously, to be honest, and I I probably won't invest any more money into it.","start_word":1780,"end_word":1799,"sentiment":"negative","sentiment_score":-0.518623948097229},{"text":"Yeah. Cool. Not at this stage anyhow.","start_word":1800,"end_word":1806,"sentiment":"neutral","sentiment_score":-0.06584510207176208},{"text":"Awesome.","start_word":1807,"end_word":1807,"sentiment":"positive","sentiment_score":0.394420862197876},{"text":"The only reason why I flagged that is because I do have some clients in the fund that you're in. So in Hub twenty four, they offer investment account alongside super accounts that are identical, and you can kind of have them linked together. They can reduce each other's fee, and you've got access to all those investment options, which it has the most options in the country. So it's just something Okay. that if you're interested in that, we can Well, do I that probably with would you later be. as Yeah. well. Yeah. Cool. I would I I would be definitely interested. wouldn't say don't pull your cash into an investment account right now because they've just changed capital gains tax, and you probably don't wanna tie your funds up when you're saving for a property, if that makes No. sense. Yeah. Beautiful. So I'll flag that again as maybe, like, in year three to five then, Yep. if that sounds okay. Beautiful. Now when it comes to the super, have you been keeping an eye on the hub login yourself Yeah. or you just I do. wait for the review Yeah. I pack? can see right now I've got 20 $229,630. Yep. I think when you came on board back in 2024 into this account, you had some really strong growth years for that first two. And then this year, it's not been as much growth as the previous years. Obviously, March, we had the war in Iran kind of drop the stock market kind of thing. Yeah. What's basically happened is gone from January. It went back up to $2.23, and then the war broke out, went down to 02/2004, and then it's jumped back up to 02/29. Really good contribution going in as well, of course, but there's some investments there that I'm sort of keeping my eye on that are a bit of a concern. So just quickly as a quick overview, so because you're in that that high growth space, 90% shares property gold, most of your super is in growth assets to get those high long term returns. Does that make sense? Yep. So when you've got all your super in mostly all your super in growth assets, goes up and down like a bit of a roller coaster ride, but the main aim is in a cycle, economy grows. You get five years where the super in the market go up ten, twenty, 30%, then there's a GFC, a COVID, whatever it is, and the market drops down. Once all of that's said and done, you're basically aiming for an average benchmark of about 10% or above. That's kind of your your long term average. Does that make sense? Yep. Yep. Cool. Now this one, it's done about half that for this twelve months, but it's still doing it over three, five, and ten years. But what I wanted to just flag with you is one of the investment options in particular. So you've got about nine different investments, and that's split between, like, property, gold, lithium, which incredible. Your electric vehicles have gone up 75%. Gold's up double digits.","start_word":1808,"end_word":2336,"sentiment":"neutral","sentiment_score":0.04965739736653907},{"text":"Everything's doing fantastic.","start_word":2337,"end_word":2339,"sentiment":"positive","sentiment_score":0.5310346484184265},{"text":"Ben along Australian shares have had a bit of a drop. Okay. Now the reason why that one concerns me at the moment is because that's not performing in line with the Australian stock market. So the Australian stock market did go down, but it came back up. This one went down a little bit further, but didn't come back up as much. So what I'm sort of saying there is that out of nine options, one of them hasn't done so well. The rest of them, I don't see a problem with any of them.","start_word":2340,"end_word":2435,"sentiment":"neutral","sentiment_score":-0.1614808291196823},{"text":"They're all doing fantastic.","start_word":2436,"end_word":2439,"sentiment":"positive","sentiment_score":0.4750014841556549},{"text":"Okay. So what I wanna do is I need to do a bit of an engine tune up where I'm not gonna wait for this one to try and bounce back. When I've done the research on this one for your account, there's some concerns with the fund managers.","start_word":2440,"end_word":2488,"sentiment":"neutral","sentiment_score":-0.04781327221770676},{"text":"They've lost a few people, and most of their talent kind of walked out the door.","start_word":2489,"end_word":2504,"sentiment":"negative","sentiment_score":-0.49670928716659546},{"text":"So what I'm thinking is I wanna do a bit of a switch out of that one option and get you a replacement for that one portion of the super. What I wanted to gauge with you is because Hub's got 1,300 options there, I kinda need to whittle it down just a little bit. Do you have a preference between low fees or higher fees to get a higher return? Okay. The higher fee higher fee with the higher return. Okay. So what that basically means is most of the options are pretty low fees in there. The Australian shares one that's not doing so well. I basically need to find a like for like replacement in that active spot. So I've got a Yep. couple I've been researching that I've got on the the back end that we're looking at, and all I'm gonna do is just do an updated comparison for you, show you the differences between them.","start_word":2505,"end_word":2665,"sentiment":"neutral","sentiment_score":-0.0012959588784724474},{"text":"It's a bit cheaper, bit better performance. It has been outperforming the Australian market.","start_word":2666,"end_word":2679,"sentiment":"positive","sentiment_score":0.37331780791282654},{"text":"And when I mix that into the portfolio, it kind of brings you back up to that kind of 12% average that you're looking for. Yep.","start_word":2680,"end_word":2705,"sentiment":"neutral","sentiment_score":0.20727108418941495},{"text":"Cool. So I'll do that there.","start_word":2706,"end_word":2711,"sentiment":"positive","sentiment_score":0.35213181376457214},{"text":"Are you still comfortable with the idea of, you know, staying high growth and getting all the growth out of it now, and then when you get closer to retirement, focusing on protecting it? Yep. Reason why I say that is because it goes up and down quite a bit. Now that you've built $200 up, anytime we get a 10 or 20% return, we're talking 25 to 50,000. It's going up and down in those directions. Okay. Now So that yep. so you go for it, man? No. No. I understand. I understand what you're saying. So you're saying I should probably not be as aggressive? Opposite. So now that you've built the base up, when we get those really good returns, it's gonna be a huge balance increase. So what tends to happen is, let's say, the world ships to bed tomorrow and we have another Yeah. GST. Your balance will actually go from $2.30 back to, like, $1.80, and then before you know it, it's 300,000 the next year. Yep. I get what you mean.","start_word":2712,"end_word":2889,"sentiment":"neutral","sentiment_score":0.04936234640438905},{"text":"That's I'm the happy the I'm level I'm of happy volatility to do that.","start_word":2890,"end_word":2903,"sentiment":"positive","sentiment_score":0.4606605172157288},{"text":"we're talking about. Yep. Okay. And then once we've built up that million dollars or whatever the target is and you're about ten years off retirement, then we start reducing the risk level and go from Yep. 90% growth, eighty, seventy, 60, fifty, forty, and there's your pension account to retire on. Yep. I I understand what you mean.","start_word":2904,"end_word":2962,"sentiment":"neutral","sentiment_score":0.1334146410226822},{"text":"Perfect.","start_word":2963,"end_word":2963,"sentiment":"positive","sentiment_score":0.5876510143280029},{"text":"So I won't do any salary sacrifice for this year's updated plan. I'll go through and update that investment option for you and show you the differences there, and we'll keep it high growth for the time being. Now there's probably no point looking at changing super funds at this point. Hub hasn't changed its fees or features or anything like that unless you want me to look around. But No. I I think don't. if I can get a good option mixed in yep. Cool. Alrighty. So that gives me a bit of a direction there. And, again, like I said, I won't touch the insurances until a little bit later. We'll basically Yep. let you build up your savings first, see how the health goes in twelve month time, then we'll revisit some income protection. Once you got the property, we might talk about doing a bit of an investment account after Okay. that.","start_word":2964,"end_word":3119,"sentiment":"neutral","sentiment_score":0.07703625410795212},{"text":"Awesome. How does that sound for you? Perfect.","start_word":3120,"end_word":3127,"sentiment":"positive","sentiment_score":0.3862758278846741},{"text":"Any questions on that so far? I know I just kind of went a bit bit No. quick and No. No. info No. No. No. No. done. No. No. No. No. Gotcha. No. No. No. No. No. You I'm understanding. Beautiful. So what I'll do is I'm just about to go on a tiny bit of leave. Just had a newborn baby there, so I'm just taking a bit of leave off. Yep. And as You soon don't as need I that. get back yeah. Mate, if I'm slowing my words a little bit, a little bit long, please. We're getting there. I will flag in for the team to book you in to go through that updated strategy. As soon as I get back, they'll pretty much just do those comparisons and update your strategy projections and then just keep an ear out for them to kind of book you in to go through that with me. Yep. No worries. Outside of that, so I'll update all the notes there with that kind of one three five year plan. The pack that I've sent through to you, again, it's just got the summary of the super and the insurances, the updated service agreement. Quick heads up on the overview services. So the usual fee for us is at 1.65 percent spread throughout the year on the monthly payment. But next year, Barton's Debbie, they've been coming up with a bit of a keyed fee structure. So everybody above 200,000 is gonna start to get some percentage discount, you know, like 200 to 500,000, 500,000 to a million. So this service agreement is exactly the same as the last one, but Yep. next year, there should be some discount applied. Okay. So lucky last one is just tax file number. Cybersecurity issues were pretty right the last couple of years, so we're just doing an opt in form for us to hold your tax code number on one document rather than six digital systems for the hackers to grab. So I have included that in there, and I just wanna make sure you're comfortable with that. Yep. Yep.","start_word":3128,"end_word":3485,"sentiment":"neutral","sentiment_score":0.09779450343141342},{"text":"That's fine. Beautiful.","start_word":3486,"end_word":3488,"sentiment":"positive","sentiment_score":0.5384790897369385},{"text":"Any questions for me before I let you go back to your weekend? No. That's it, mate.","start_word":3489,"end_word":3505,"sentiment":"neutral","sentiment_score":0.1657177209854126},{"text":"Easy done.","start_word":3506,"end_word":3507,"sentiment":"positive","sentiment_score":0.5541377067565918},{"text":"I will get right back into it and talk to you in a couple of weeks' time.","start_word":3508,"end_word":3524,"sentiment":"neutral","sentiment_score":0.30362746119499207},{"text":"Cool. Good luck with the newborn, mate. Thank you very much, mate.","start_word":3525,"end_word":3536,"sentiment":"positive","sentiment_score":0.7293204069137573},{"text":"It's number three. Yeah. The boys are kind of smitten, but I I know I'll be happy when I'm 60, and they're all sitting around the bed there. But at the moment, it's just just get through the next few months, and it Yep. should be. Yep.","start_word":3537,"end_word":3583,"sentiment":"neutral","sentiment_score":0.21979619974785664},{"text":"I'm glad it's you and not me. Thank you Have so much a for great your day, time today, mate. Appreciate Nate. the call. You too. Cheers. Thank you. Bye.","start_word":3584,"end_word":3613,"sentiment":"positive","sentiment_score":0.643223226070404}],"average":{"sentiment":"neutral","sentiment_score":0.08004310284861}}}}