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No. That's okay. Not a problem at all. How's your morning been so far? Oh, wow. You've got a lot going on at the moment. No. All good. Well, I'll try not to take up too much of your time. Just been having a bit of a look through. I wanna do a bit of a annual review with you as well. And just sort of see what your goals are and whether we need to maybe look at updating the advice for you. Okay? Yeah. You're alright. Yeah. No. Not a problem at all. Let's just sort of jump into things there for you, and we'll see what's happening. Obviously, you wanted to have a bit of a chat about your superannuation, see how things are going there. But is there anything else you wanted me to sort of touch on with regard to the annual review today there, Matthew? Yeah. Perfect. Excellent. Before we jump into the call and discuss any of your personal information there, I just need to let you know our calls are recorded moving forward for training and quality purposes. Are you happy for me to continue with that yet? It's yeah. It absolutely is. It's all good. And I just wanna do some quick security check with you as well just to confirm that your date of birth and address I should have on file. Yep. Beautiful. Beautiful. Thank you so much for that, and happy birthday for eight days ago. I hope you had a good day. All good. So, Matthew, just to sort of jump into things there for you. Now you did sort of mention you wanna be on track for retirement. We initially had in here that you wanted to access Luther at around about age 60. Is that still your goal age for retiring, or do you think you'll be working a bit longer? What's your goal now? Hopefully not. Yep. No. That's okay. Not a problem at all. And you mentioned that one of those things is to try and get your mortgage out of the way before you retire. How much do you have left on that at the moment? Oh, okay. Perfect. 490,000 owing there. I had an asset value of the property estimated to be about 950,000. Would you increase that valuation at all? Yes. Yeah. Wow. Wow. We'll definitely increase that valuation for you. Perfect. Now with regards you're a total. Yeah. Yeah. Perfect. Lovely. And what's the plan with once you've done the renovations, making it dual living? Are you planning on renting that out to sort of help pay that down, or is it just for family to come visit? Yeah. No. Not a problem at all. And have you ever have you considered to maybe or have you had your mortgage sort of reevaluated by a mortgage broker to see if there's maybe a better rate or a better way of trying to pay that down in the next couple of years? Or yeah. Yeah. They are. Yeah. Yeah. That's okay. Did you want me to maybe put you in touch with a mortgage broker to see if there's a way that they can maybe help you to look at reevaluating the loan and helping you pay that down a little bit faster? Yeah. Yeah. Yeah. A way to help you out. Yeah. Absolutely. I mean, I was we see here from your last annual review that you are putting as much as you can onto your mortgage. All your excess sort of income is going on to the mortgage pay down faster. And that's definitely one way of making sure that you're, you know, trying to cut it out as quickly as possible. But with where you are at the moment, you do have about six years until you're realistically wanting to retire. It is a large sum to try and pay down in that time frame. So the likelihood of you going sorry. You're right. Wishful thinking, that's okay. Did you want me to work on maybe, say, 65 as a bit of a plan of attack here because you might have that mortgage a bit longer? In saying that, I mean, you are between the age of yeah. Up until the age of 60 with your sleep, so there's very limited sort of things we can do. It's more just making contributions, taking on more risk, and making sure your sleep is working harder and the investments you're invested in. But once you actually get to the age of 60, there's also some other strategies we can put in place where we can help you to increase contributions in without affecting your take home pay and things like that. So there are other strategies between 60 to 65 that can help you super whilst keeping your take home pay the same, helping to lower taxable income, and things like that that we can also put into into play for you. We'll go into a lot. Yeah. Yeah. Absolutely. We'll have a lot more of a detailed conversation when you are closer to 60 because you're still 60 is up at the moment. But right now yeah. Yeah. Correct. Yeah. But what I would probably suggest now at the moment is more contributions at the super don't feel like they're really in your comfort level. Your main priority at the moment is your mortgage. Is that right? Yes. Yes. That's okay. Absolutely. Absolutely. And, look, at the moment, I'm both we are actually going through this. I do actually have your super balance here in front of me. So having a look at things at the moment, the super balance now yeah. Sorry. You're right. You got a 184,778 so I'm sorry. A hundred and eighty four thousand seven hundred and eighty five. So you have definitely gone up from the last year there when you consider the return. So any income and growth within the fund after fees have been taken out, including our ongoing service fee, you're up by 12.01%. So looking all on us, we have an updated balance as of last year, which is the 383,000, but we are just waiting for them to send us an updated statement. They've had a few issues with their system. So the statement didn't unfortunately come through in time here, but my team is on the phone with them at the moment trying to kinda get the updated balance. I'll just see if anything's come through for you because I did wanna try and give you the one. No. Yeah. Your balance is much higher when you consider the military super side of things. And with yeah. Well, if I focus on the balance that we had here last year, which is at $3.83 plus the balance that we've got here at the moment with the $1.84 $7.08 5, it's sorry. 3384785. So it's a bit over $560,000 between the two at the moment. And military 560 for 5 six zero. Yeah. So, realistically, a military super isn't in isn't sort of it's not invested the way your current super is in hub 20 '4. So it is essentially indexed at a certain rate of return every year. Yeah. It does. Yeah. That's correct. Yeah. Definitely. So I have had a really good look at your performance at the super. It has done really well. You've had a 12% return, which is fantastic. I have just gone back and had a really good look at the investments underlining in there. At the moment, they are all performing quite nicely. I would, however, like to do a little bit of an adjustment. You do have the Bennelong Estate in equities in there, which was added originally as they're meant to be an actively managed fund. That investment, unfortunately, has underperformed a little bit in the last few months, so I would like to remove that out of your portfolio. Because you are sort of in the realm of closer to retirement in your fifties there, we have two options on what we can look to replace that with. I can replace that investment with something else that's meant to be actively managed. Actively managed funds are where the investment money is trying to outperform against the market. And they don't always outperform against the market, and it does cost a bit more. You do pay a higher fee to have those sorts of investment managers in your portfolio. Or if you like, I can look at something that's a bit more cheaper. A low cost investment is probably more passively managed, so it's more about participating in the market and tracking a certain indices and might be a bit more lower cost and can actually perform better than those actively managed funds at the same time. What would you like me to focus on? Yeah. Absolutely. So I'll look at a low cost. Yes. No. Absolutely. Not a problem at all. So what I'll do is I'll look at a low cost index fund there for you. I'll look at replacing it, look at what has been performing better, and I'll update the advice and do a bit of an investment switch there for you. Okay? Fantastic. Now while we are sort of looking at the investment side of things there, just wanted to sort of find out. So when we're looking at your goal, you you would like to retire at 60 as a main preferable amount. Are you comfortable with me worth beyond, say, 65 just so we can hopefully get the mortgage down a little bit more in that time frame? Yep. Yep. That's okay. That's not a problem at all. So we'll work on that age for you. Beautiful. Now the other thing to sort of consider is, obviously, markets go up and down. Your military super isn't affected by market changes, which is a good thing. It's more of a defensive investment because it grows with their internal rate of return. But with your hub 24, with what we are seeing at the moment and you probably look at the news. You see what's happening between The US and Iran and how that's affecting things in Australia. And then you've mentioned the interest rates have been increasing heavily, and we still have very high inflation here in Australia at the moment. So we are kinda being hit on two levels. When you sort of think about your super and hub '24, and if we saw see a dip in the next sort of one to two or even the next five years of a five or 10 or 20% dip, how's that gonna make you feel? Mhmm. Yep. Yep. One of the things to consider is when we're looking at it the way we're invested is making sure we're taking on the level of risk we're comfortable to take on in order to get good returns, but that we're aware that taking on more risk means that in the shorter term, we can be affected more by a downturn. So when you're in absolutely. Absolutely. And at the moment, having a look at things, so you're in a high growth portfolio, and you were happy to stay there last year, and that's absolutely fine if you are. But, essentially, because you are getting closer to accessing super, there is generally a point where we wanna sort of step down the risk level a little bit and start to maybe reduce our risk in smaller increments. Reducing the risk level can mean reducing your returns. However, lower risk portfolios have times where they perform greater than high growth portfolios do, so it's really more of a preference to you. The high growth portfolio that you're in at the moment really suits someone who has at least eight years before they're wanting to access their super. You see that 90% of your funds invested in growth assets. So think things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 10% in low risk defensive investments like cash and bonds and fixed interest debt. With a high growth portfolio, the likelihood of a negative return is expected one in every sort of five years. So say over the next five years, staying in the same portfolio, you can expect a negative return, which can mean for a short period of time, the market takes a bit of a dip. You might have a negative five or 10% return in your super. And then before you wanting to access it, we just need to try and hold on, wait, work a little bit longer before starting to submit those losses and take money out of your super. The risk of that happening when you're, say, 60, 61, 62, 63, the risk is quite high in these sorts of portfolios. So my sort of job today is to work out whether staying high growth is comfortable for you, whether you're happy with that risk, or whether you wanna start maybe reducing it back a little bit. Does that make sense? Well, let's go through a couple of questions just to sort of see how you're feeling, and then I can let you know sort of what it looks like to me. If you did over the next, say, five years, see a big 20% drop in your sofa, are you wanting to or willing to work longer to say age 65, 67, or 70 to be able to allow your portfolio to recover, or would you still wanna be stopped stopped working? Mhmm. I said it answer. I don't blame you at all. That's absolutely fine. No. That's okay. So a big market drop would probably, say, concern you a little bit. You'd probably be wanting to call us and see what we can do or what we need to do to try and wait it out. You'd be comfortable waiting it out, but not for a long period of time. Does that sound right? Yeah. Yeah. That's okay. That's absolutely fine. No. Absolutely fine. That's all good. Now when we look at the expected returns that we're sorta after when it comes to markets, when you're in that kinda high growth environment, you are chasing returns. And this sort of portfolio is chasing returns at about 8% eight to 10% on a yearly basis. So this year, with a 12% return, even though one of your investments has been underperforming a little bit, you've actually exceeded that eight to 10% return, which is good. I think your portfolio has overperformed the expectation. But it also does sort of mean that if you decide to take on a little bit more risk in the market, the returns as I said before, they don't always drop. They can get greater returns than what is expected. It's more just what the expectation is out of the portfolio based on past and previous performance. If you were to sort of look at dropping down, we could even do it slower just in smaller increments, maybe 10% at a time. So you go from high growth to growth now. That season 80% split between those growth to defensive assets. And then in a couple of years' time, we maybe take a little bit more of a step back. Thinking about the returns that you've got this year, the expectation around a eight to 10% return, would you be comfortable maybe reducing back by 10%, or do you want it to stay in high growth for maybe another year and see how we go? That's that's one of the big things that I've been noticing this year is that a lot of people come out and go, yeah. Cool. I'm happy to stay high growth. I want really good returns. But then with what's happened this year, when you sort of look at it, the market has a very heavy drop in around about between the twenty sixth and March 28. We saw quite a large dip, and that's sort of taken a bit of an effect on a lot of people's portfolios. And no one knows how long this war is gonna go for. We could see another large dip coming in the future. There's yeah. Yeah. Yeah. That's okay. I've had a bit of a look, and with what we're sort of talking about at the moment, the way we are sort of going, you have scored in that risk profile as a growth investor. So it does mean sort of dropping that back by that 10%. It it's, as I said, only a 10% drop in the risk value. So you go from having 90% in those growth assets to 80%. You're still retaining quite a lot of it. It's just kinda stepping down gradually and putting a little bit of protections in place there because of the unknowns, and there's nothing wrong with doing so. In the growth portfolio, we're still chasing returns at between seven to 9%. You're still wanting a good compounded annual rate of return there. You still can expect a negative return for the one in five, but it becomes a bit less likely. And the suggested time frame for this portfolio is about six years. So, realistically, all going well, if it's age of 60, you said to me, hey. I do wanna retire. I wanna stop working. Let's make it happen. We absolutely can. And this portfolio sort of steps you forward over the next six years to be able to do that. I would still, if you're about one to two years out, be wanting to then reduce the risk even further. But for now, would you be comfortable if I just look at bringing it down a little bit? Because you are getting closer to it. It gives you the option, and and we can sort of look at what happens. Yeah. Beautiful. Sorry. It's probably not a conversation you've had before. It's something that I'm having a lot at the moment. Just sort of talking realistic terms about where everyone scores, where everyone is invested, and what that kind of means because there's nothing wrong with wanting to reduce your risk level. I've got forty year olds on my book who don't wanna be in high growth anymore, so it's honestly not a problem at all. And with the military super side of things, so I'm actually quite well versed in military super. It's something I do look at quite regularly. With that, obviously, you do have the option of accessing some of that out at that age 55, but there are higher tax consequences for doing so and limitations around how much you can access and how you can access. Are you yep. Yep. Yep. Yeah. Yeah. Absolutely. And because of the type of suit that it is, there are tax consequences between even when you retire, there is tax payable on the drawdown. So what I've been sort of looking at doing with a lot of my older clients is looking at retaining that until the age of 60. Because 60 is preservation age. You have a lot more control, and the tax absolutely. Absolutely. From the age of 60, because the tax consequences are significantly lower and they're basically the lowest that they do get over the time of holding a military super, I can then look at looking at whether we retain military super and draw a pension down from that for the lifetime or whether we roll it in and combine it to the hub 20 four account. So I've been kind of weighing up the options. Yeah. Absolutely. Absolutely. It's something I've been yeah. You're right. Yep. Yeah. Yeah. No. That's okay. That's okay. No. No. Unfortunately, the taxes are still quite high. I mean, realistically, I would more than be comfortably telling you that I would wanna hold that as it is until the age of 60 if preferable. From the age of 55, you can't take it as a lump sum. You can only take a fortnightly pension amount, and the tax treatment currently as is at your standard marginal tax rate. So if you're still earning an income and you're on a higher tax rate because of your income, the the employer benefit in there is an untapped element. So they charge tax at your marginal tax rate, which reduces how much you could get. If you were to hold off to the age of 60 and draw a pension there, they essentially give you an offset. So it's a much lower amount, and even taking your lump sum's available at that point. And what I've been doing with a lot of hold off yeah. Yeah. Much later. Yeah. Perfect. Perfect. And even if 60 is worth, I'll do the research then for you again just to sort of see what the options are and what the best option is and provide the financial advice for you on whether we retain, whether we move it, what happens. It all just comes down to a lot of your goals as well, but it is something that we can touch on moving forward as often as you need to. Okay? Beautiful. And my team members have come back. They're still on hold with military super. They're still having some issues. So after the call, I will send you an annual review pack. I'll have an updated balance in there for you. Okay? Excellent. Alright. We had $3.80 last year, so there's definitely gonna be more than that. Yeah. Yeah. Yeah. Absolutely. No. Not a problem at all. I'll make sure we have that document updated in there for you to review when the email comes through shortly. So I'll go back just to kinda recap. We'll look at reducing your risk profile just a little bit there. I'll look at removing the underlying investment that's underperforming and replace it with something a bit more low cost for you that has been performing a bit better and try to diversify your portfolio as much as possible. Does that sound okay for you, Matthew? Yep. Fantastic. Excellent. Now the other thing to sort of just touch base on is the insurance side of things. So you don't have any life or TPD. I know last year that was sort of touched on you were comfortable with that. In the event of passing, your super is paid out. The military super also does get paid out to your beneficiaries there. I have your beneficiaries noted down here with the three of them. So we've got sorry. Here it is. I do. Yes. Marie is noted as other dependent. Who's Marie to you? What's the relationship? Okay. Has anyone kinda gone through the legislative requirements around what beneficiaries are and who can be nominated? Okay. So with the beneficiaries inside Super, in order to be a beneficiary, essentially, it has to fit a certain criteria. It can only be nominated as your spouse, your children, or someone who is a financial dependent on you, someone who relies on you for financial support to pay their day to day bills and for financial support, essentially. So your children absolutely. And it all comes down to the tax consequences, essentially. So under the legislation, they have these rules where you can only leave it to certain people. Whilst you've got Marie on there as a dependent, which is fine, it does come down to it's sitting there at the moment. If she does if you were to pass away and she was to go on claim, your two children would have no problem. They would be able to claim. However, the trustee would come back and tell her her nomination is invalid, and the portion that she was to be able to claim would go through and be put through in test date, and that would make it very difficult for her. So to make it easier yes. No. It's definitely fine. It's it's frustrating. Yeah. No. It is. Mhmm. Yep. No. That's okay. So that's why I wanted to bring this up with you so at least we can have the conversation because there is a way around it. You've mentioned that she is your power of attorney. So do you have a will drawn up as well? Yeah. Perfect. So the easiest way to get around this and, look, your children are completely fine to stay on there if you would like them to be. Children, if they are nontax dependent, do pay tax on receiving a death benefit. It's really silly. I don't think children should pay tax, but it's all part of the tax legislation in regards to super and insurance benefits. So you've got essentially one of two ways that we can look to do this, and I'm more than happy to help you to pre pre fill the form if you would like to. If you can leave both of your children to receive the 45% that they are now, and then the other 10% we can have nominated to your legal personal representative, which means that 10% goes from your super into your will. Yeah. But in their way of super, legal personal representative means estate. So it would go into your will, and then you can have that 10% paid out to your sister through your estate. The other side or the other option is you can have the whole super benefit paid to your will through legal personal representing. So that with a 100%, this goes into your estate. And then through your will, you can nominate whatever percentage you want to, whoever you want. There's no restrictions that way. Yep. So did you want me? Yep. So if if you're doing it that way in your will and that's already pre stated, it's probably better to just do a 100% of your beneficiary nomination in your super to your estate. So everything goes to your will. It all gets lumped together and then paid out 45 percent each of your children and 10% to to your sister. That would probably, honestly, be the easiest way. Yep. Yep. Yeah. That's okay. No. That's absolutely fine. Yep. No. That's absolutely fine. It's not a problem at all. It's more just making sure that you're aware that like, if this was to stay the way it was and you were to pass away next week, your children would come and make a claim and that would be fine. But when your sister tried to make a claim, the trustee would come back and tell her that the claim isn't viable. They're not gonna pay the money, and that would make her life really, really difficult. So doing it this way can make things a lot easier. You've already got your will set up, which is great. You've got everything nominated in your will the exact same. So we can just set if you're comfortable with me, I can get my team to prefill a beneficiary nomination for you. We can post out. You just need to get it signed and witnessed. The witness can't be the people that you're wanting to have paid. So Marie, Hannah, and Emma can't be the witnesses. If you got some two other people who can just sign it with you when you're signing it, then send it back to us, and we can have that applied. That way, if anything happens next week, you're super everything just goes directly to your estate through your will, and then it all just gets paid out. It all gets lumped together and paid out to your beneficiaries that way. Does that make sense? Perfect. It's a much easier way for you to to deal with it, and it also means that there's less likely of a chance that, you know, your sister's gonna have any problems with the claim or get rejected with the claim at the same time. Okay. Yep. Perfect. Now you do have it as a binding non lapsing nomination. It is a good way to have it because binding non lapsing means that you never have to fill another nomination document as long as it is filled out correctly and it reflects your wishes. Are you happy with us ticking the binding non lapsing box and pre filling the form for you? Yep. Beautiful. And did you want us to post that to your email? What's easier for yourself? Yep. Absolutely. Not a problem. I am really sorry. It's not not great to have to go through that, and I I'm terribly sorry no one's kinda pulled this up in the past about those nominations, but I do try to make sure that you're aware. Because as you said, if something happens next week, the last thing you want is your sister having to go to the rigmarole and being rejected and everything else there. So it's a difficult time. Yeah. No. Correct. Absolutely. I'll take care of that one for you then, Matthew. It's not a problem at all. Okay? Beautiful. That's alright. Other things to just kinda check on here, income wise, I had you earning about a 120,000 per annum. Have you been lucky enough to get a pay rise recently? 130,000? Fantastic. Excellent. Yep. That's fine. It's not a problem at all. Fantastic. And I have here you work for OsmoFlow. What's your actual title? What's your title at work? Service technician. Perfect. Yeah. Yeah. Wow. Fantastic. Yeah. Wow. And you sort of sort of work week on week off. Is that how that works? Like, on-site? Yep. Okay. Yeah. Wow. Well, at least you get a bit of downtime in between. And, I mean, at the moment, the downtime doesn't feel like downtime because you're renovating as well, but, hopefully, you enjoy some downtime. That's it. Yeah. That's that's okay. I also just need to update your next of kin on file. It looks like I don't have a next of kin. Who would you wanna nominate as your next of kin? Would that be your sister or daughter? Yep. That's Marie. Beautiful. Well, do you know her phone number if I had it all? You're right. Yep. Yep. 534. Fantastic. Thank you for that. Appreciate it. I think when we kinda got on to the beneficiary side of things, we're talking about the life cover. So, realistically, not having any life cover at the moment means that your super benefit is paid out. It's the military super and you have 24, which, given the current balance at the moment, is a bit over 560,000 plus however much more than military super is boosted for. That would realistically cover your mortgage, you know, pay out the debts there and then be provided to your family as additional. Are you fairly comfortable with that level of cover if you were to pass away and what that would cover? Yep. That's okay. And, TB, like, you don't have any sort of permanent disability cover. Obviously, in your fifties, that sort of insurance does become more expensive. And if you were to be totally permanently disabled, never able to go back to work again, we can claim that against your super to have releasing there. Are you comfortable just not looking at having any new cover? You're happy with the the income protection that you've got? Or yep. Yep. That's okay. With the income protection that you do have at the moment, it does pay out a monthly benefit in the event of short term disability. 6,215 is the cover amount. That's a pretax benefit. So say if you were to get, I'm estimating about, say, $5,600 on a monthly basis, in the shorter term for income protection, would that kinda cover your expenses? Yep. Yeah. Do you yeah. Is this more looking at, like, the income protection sum insured that you do have is good. It's not a bad sum insured by any means. It's we could look at getting more cover for you if you wanted to maximize the income protection, but it is expensive. It is paid out of your super, and having insurances paid out of your super does affect how much you have to retire on. So it's more just about making sure that you've got the cover you want, but we're not eating away all of your super and ending up with nothing. And, also, what your goals are? Did you wanna look at maybe income protection, or are you happy just with what you've got at the moment, hoping that you don't have to claim? What's your thoughts? Yep. Yep. It is very expensive, so I wouldn't increasing income protection could increase it over about $10,000 per year premium wise, because this year, you paid 5,685 for that. So it does get more and more expensive as you get older. Yeah. That's fine. We're happy to leave it as is. If you ever want us to sort of reevaluate it, let me know. There is the risk that it is more expensive, but it's more about making sure that you do have cover as well. One of the biggest risks that we take with having any insurances is that we have them and never claim on them, and then we cancel them, and we pay the lowest in premiums. Oh, so sorry. The big the biggest risk we have with insurances is that we hold the insurances. We pay the premiums for years, and we never actually claim. So then we they just get canceled in the end anyway. Yeah. But, I mean, hopefully realistically, we hope that you never have to claim on income protection. Do you have much sitting in your offset or redraw facility that you could sort of fall back on if you needed to for living expenses? Expenses. Yeah. Mhmm. Oh, do you? Okay. Perfect. Okay. Perfect. That's something I didn't have noted down here, but that's really good to know. So $250 per fortnight from DBA. Excellent. Yep. Beautiful. And, look, realistically, by not having any more income protection, you are still getting the DBA payments there as well. And when you do claim on income protection, they do tend to offset the sum insured by any payments that you are receiving, and DBA is included in a lot of those depending on the insurer. So if we looked at increasing it up to the level that you would realistically need, it could then be offset and reduced in the event of claim anyway. So retaining that and keeping the DBA payments is good. It's giving you a bit more of an offset, which is good. Okay? Excellent. Excellent. I'll make a note of that. That's beautiful. Have the DBA payments increased at all over the last couple of months? Yeah. Yep. Perfect. Perfect. Yeah. Caution. Yeah. No. Absolutely. No. It's fantastic. Thank you for updating that for me. I'll make sure we do have a note of that on file, which is great. Excellent. I've got down here that you were a social smoker about three a day. Is that still correct? Yep. Sorry. Depending on the day. Yeah. Yes. Absolutely. Absolutely. No. All good. And I'm just gonna update here. It says on here from the last back one, you didn't have a will updated. So I'm gonna note here that you do because you do have your will and power of attorney and everything set up, which is good. Other than that, everything else looks good. The only other assets to kinda check-in on I had a camper van. I'll see here with an asset value of 17,700. Do you still have the camper van? Yep. Okay. Cool. What kind of vehicle? Oh, nice. And what's the asset value? Yeah. What's the value would you put on that one? Yep. Yep. Beautiful. Is it something you're doing up? Oh, absolutely. Oh, perfect. Perfect. And is that kind of one of your things you wanna do in retirement and do up cars and things like that or travel, or what's your retirement plan? Yep. Oh, love that. Yeah. Yeah. Yeah. Yeah. No. That's fantastic. Yeah. Yep. Perfect. Perfect. And the other thing I have on here is another motor vehicle with a value of a 100,000. I assume it's the one that you drive all the time. What kind of car do you yes. Yes. Perfect. Excellent. And value on that is about a 100,000. Would you keep it about the same? Yes. Beautiful. And I'm happy that you had a loan there of about 50,000 on that one. Do you still have that loan on the vehicle? No. Paid off. Yep. Yep. Yep. Perfect. Excellent. Excellent. Well, that looks like everything's all good there. So just to kinda recap, I'm looking at altering your portfolio. I'll reduce the risk level a bit for you, but also look at replacing the investment that hasn't been performing properly. I'll look at the overall risk of your portfolio and maybe rebalance if we need to as well. Because you are closer to retirement, do you want me to maybe look at the retirement asset down the track for you and see where we might be heading just to give you a bit of an idea? I can't factor in the military suit because they don't tell us what the CCI benefit is that they increase by. But did you want me to just look at the hub 20 4 and see where we're tracking where we should be able to end up at maybe sixty, sixty five, and what that looks like down the track for you? Yeah. Yeah. Absolutely. It's more just a limited scope sort of section of the advice that I look at when you're in your fifties, sort of look at where we're tracking with what we're working on now, and then we'll keep sort of reviewing that. I look down the track to see whether you might be eligible for any additional Centrelink benefits as well, and sort of see what kind of longevity we're hoping to get out of your super. And it will not include your military super, so that'll obviously, you know, provide a greater effect. But I can I can look into that for you as part of the advice document, do a bit of limited scoping on there? Just to sort of show you where you're tracking for to, you know, give you a little bit more of an idea of what's down the road. Does that sound okay? Yep. Beautiful. Beautiful. The only other thing I wanted to touch base on here was that you don't have any kind of insurances out of Super. You're not wanting to try and pay for any of the insurances outside of Super. It sounds like your cash flow is a bit tight. The mortgage is your main priority. Is that right? Yep. That's okay. Not a problem at all. And is there any other goal that you might be wanting to achieve aside from the retirement aspect, building super, and paying off your mortgage? Yeah. That's okay. That's absolutely fine. We'll get those beneficiaries updated for you and send them out, and I'll go working on the research for you there, Matthew. We are just gonna send through your annual review docs afterwards, which will have a copy of all the information that we've gone through with the reports, the balances of your super, the updated information around your income protection policy. I've also got on that document our financial services guide, which has a lovely picture of me, and I'm a full licensed adviser. So it'll have my registration information for you. If you ever wanted to look me up, my license number registered with Aptive is 1304394. Okay? The only other thing to let you know is we do as you are an ongoing client, we're updating the advice for you. The advice is updated with no additional fees, no implementation fees, or anything like that. As an ongoing client, you do pay us an ongoing service fee, so it's our job to update the advice and make sure that we're reflecting things and changing things for you as your life changes. The ongoing service fee is 1.65% per annum, so over the course of the year. Each month, it is deducted in smaller monthly increments, And the idea of the percentage based fee is it fluctuates with the market. So when your super is performing better, our fee is gonna increase. However, if the market takes a dip with what's happening globally, it means our fee takes a dip there with it. Does that make sense? And do you have any questions at all? No. That's beautiful. That was my goal for today was to touch base on all the things. I did a really good review of your file beforehand, and I wanted to sort of touch base on all those additional areas and make sure that everything was working for you. I'll go back and do some research, and my team will let you know when we have the advice ready to go. We'll come back and have a look at that together. Does that sound okay? Fantastic. Well, I will let you go. You have an amazing afternoon. Enjoy your days off, and don't work too hard on the house. And I'll get stuck into those research and get those emails out to you. And, yeah, if there's anything else you need, please don't ever hesitate. Let me know. I'm more than happy to make time to have a chat. Oh, thank you so much for your time. Enjoy your afternoon, Matthew. See you later. 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Matthew. It's Dana from Oku Financial. How are you today? That's good. I had you booked in to go through a bit of an annual review today.\n\nIsn't that still a good time? Yeah? No. That's okay. Not a problem at all.\n\nHow's your morning been so far? Oh, wow. You've got a lot going on at the moment. No. All good.\n\nWell, I'll try not to take up too much of your time. Just been having a bit of a look through. I wanna do a bit of a annual review with you as well. And just sort of see what your goals are and whether we need to maybe look at updating the advice for you. Okay?\n\nYeah. You're alright. Yeah. No. Not a problem at all.\n\nLet's just sort of jump into things there for you, and we'll see what's happening. Obviously, you wanted to have a bit of a chat about your superannuation, see how things are going there. But is there anything else you wanted me to sort of touch on with regard to the annual review today there, Matthew? Yeah. Perfect.\n\nExcellent. Before we jump into the call and discuss any of your personal information there, I just need to let you know our calls are recorded moving forward for training and quality purposes. Are you happy for me to continue with that yet? It's yeah. It absolutely is.\n\nIt's all good. And I just wanna do some quick security check with you as well just to confirm that your date of birth and address I should have on file. Yep. Beautiful. Beautiful.\n\nThank you so much for that, and happy birthday for eight days ago. I hope you had a good day. All good. So, Matthew, just to sort of jump into things there for you. Now you did sort of mention you wanna be on track for retirement.\n\nWe initially had in here that you wanted to access Luther at around about age 60. Is that still your goal age for retiring, or do you think you'll be working a bit longer? What's your goal now? Hopefully not. Yep.\n\nNo. That's okay. Not a problem at all. And you mentioned that one of those things is to try and get your mortgage out of the way before you retire. How much do you have left on that at the moment?\n\nOh, okay. Perfect. 490,000 owing there. I had an asset value of the property estimated to be about 950,000. Would you increase that valuation at all?\n\nYes. Yeah. Wow. Wow. We'll definitely increase that valuation for you.\n\nPerfect. Now with regards you're a total. Yeah. Yeah. Perfect.\n\nLovely. And what's the plan with once you've done the renovations, making it dual living? Are you planning on renting that out to sort of help pay that down, or is it just for family to come visit? Yeah. No.\n\nNot a problem at all. And have you ever have you considered to maybe or have you had your mortgage sort of reevaluated by a mortgage broker to see if there's maybe a better rate or a better way of trying to pay that down in the next couple of years? Or yeah. Yeah. They are.\n\nYeah. Yeah. That's okay. Did you want me to maybe put you in touch with a mortgage broker to see if there's a way that they can maybe help you to look at reevaluating the loan and helping you pay that down a little bit faster? Yeah.\n\nYeah. Yeah. A way to help you out. Yeah. Absolutely.\n\nI mean, I was we see here from your last annual review that you are putting as much as you can onto your mortgage. All your excess sort of income is going on to the mortgage pay down faster. And that's definitely one way of making sure that you're, you know, trying to cut it out as quickly as possible. But with where you are at the moment, you do have about six years until you're realistically wanting to retire. It is a large sum to try and pay down in that time frame.\n\nSo the likelihood of you going sorry. You're right. Wishful thinking, that's okay. Did you want me to work on maybe, say, 65 as a bit of a plan of attack here because you might have that mortgage a bit longer? In saying that, I mean, you are between the age of yeah.\n\nUp until the age of 60 with your sleep, so there's very limited sort of things we can do. It's more just making contributions, taking on more risk, and making sure your sleep is working harder and the investments you're invested in. But once you actually get to the age of 60, there's also some other strategies we can put in place where we can help you to increase contributions in without affecting your take home pay and things like that. So there are other strategies between 60 to 65 that can help you super whilst keeping your take home pay the same, helping to lower taxable income, and things like that that we can also put into into play for you. We'll go into a lot.\n\nYeah. Yeah. Absolutely. We'll have a lot more of a detailed conversation when you are closer to 60 because you're still 60 is up at the moment. But right now yeah.\n\nYeah. Correct. Yeah. But what I would probably suggest now at the moment is more contributions at the super don't feel like they're really in your comfort level. Your main priority at the moment is your mortgage.\n\nIs that right? Yes. Yes. That's okay. Absolutely.\n\nAbsolutely. And, look, at the moment, I'm both we are actually going through this. I do actually have your super balance here in front of me. So having a look at things at the moment, the super balance now yeah. Sorry.\n\nYou're right. You got a 184,778 so I'm sorry. A hundred and eighty four thousand seven hundred and eighty five. So you have definitely gone up from the last year there when you consider the return. So any income and growth within the fund after fees have been taken out, including our ongoing service fee, you're up by 12.01%.\n\nSo looking all on us, we have an updated balance as of last year, which is the 383,000, but we are just waiting for them to send us an updated statement. They've had a few issues with their system. So the statement didn't unfortunately come through in time here, but my team is on the phone with them at the moment trying to kinda get the updated balance. I'll just see if anything's come through for you because I did wanna try and give you the one. No.\n\nYeah. Your balance is much higher when you consider the military super side of things. And with yeah. Well, if I focus on the balance that we had here last year, which is at $3.83 plus the balance that we've got here at the moment with the $1.84 $7.08 5, it's sorry. 3384785.\n\nSo it's a bit over $560,000 between the two at the moment. And military 560 for 5 six zero. Yeah. So, realistically, a military super isn't in isn't sort of it's not invested the way your current super is in hub 20 '4. So it is essentially indexed at a certain rate of return every year.\n\nYeah. It does. Yeah. That's correct. Yeah.\n\nDefinitely. So I have had a really good look at your performance at the super. It has done really well. You've had a 12% return, which is fantastic. I have just gone back and had a really good look at the investments underlining in there.\n\nAt the moment, they are all performing quite nicely. I would, however, like to do a little bit of an adjustment. You do have the Bennelong Estate in equities in there, which was added originally as they're meant to be an actively managed fund. That investment, unfortunately, has underperformed a little bit in the last few months, so I would like to remove that out of your portfolio. Because you are sort of in the realm of closer to retirement in your fifties there, we have two options on what we can look to replace that with.\n\nI can replace that investment with something else that's meant to be actively managed. Actively managed funds are where the investment money is trying to outperform against the market. And they don't always outperform against the market, and it does cost a bit more. You do pay a higher fee to have those sorts of investment managers in your portfolio. Or if you like, I can look at something that's a bit more cheaper.\n\nA low cost investment is probably more passively managed, so it's more about participating in the market and tracking a certain indices and might be a bit more lower cost and can actually perform better than those actively managed funds at the same time. What would you like me to focus on? Yeah. Absolutely. So I'll look at a low cost.\n\nYes. No. Absolutely. Not a problem at all. So what I'll do is I'll look at a low cost index fund there for you.\n\nI'll look at replacing it, look at what has been performing better, and I'll update the advice and do a bit of an investment switch there for you. Okay? Fantastic. Now while we are sort of looking at the investment side of things there, just wanted to sort of find out. So when we're looking at your goal, you you would like to retire at 60 as a main preferable amount.\n\nAre you comfortable with me worth beyond, say, 65 just so we can hopefully get the mortgage down a little bit more in that time frame? Yep. Yep. That's okay. That's not a problem at all.\n\nSo we'll work on that age for you. Beautiful. Now the other thing to sort of consider is, obviously, markets go up and down. Your military super isn't affected by market changes, which is a good thing. It's more of a defensive investment because it grows with their internal rate of return.\n\nBut with your hub 24, with what we are seeing at the moment and you probably look at the news. You see what's happening between The US and Iran and how that's affecting things in Australia. And then you've mentioned the interest rates have been increasing heavily, and we still have very high inflation here in Australia at the moment. So we are kinda being hit on two levels. When you sort of think about your super and hub '24, and if we saw see a dip in the next sort of one to two or even the next five years of a five or 10 or 20% dip, how's that gonna make you feel?\n\nMhmm. Yep. Yep. One of the things to consider is when we're looking at it the way we're invested is making sure we're taking on the level of risk we're comfortable to take on in order to get good returns, but that we're aware that taking on more risk means that in the shorter term, we can be affected more by a downturn. So when you're in absolutely.\n\nAbsolutely. And at the moment, having a look at things, so you're in a high growth portfolio, and you were happy to stay there last year, and that's absolutely fine if you are. But, essentially, because you are getting closer to accessing super, there is generally a point where we wanna sort of step down the risk level a little bit and start to maybe reduce our risk in smaller increments. Reducing the risk level can mean reducing your returns. However, lower risk portfolios have times where they perform greater than high growth portfolios do, so it's really more of a preference to you.\n\nThe high growth portfolio that you're in at the moment really suits someone who has at least eight years before they're wanting to access their super. You see that 90% of your funds invested in growth assets. So think things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 10% in low risk defensive investments like cash and bonds and fixed interest debt. With a high growth portfolio, the likelihood of a negative return is expected one in every sort of five years. So say over the next five years, staying in the same portfolio, you can expect a negative return, which can mean for a short period of time, the market takes a bit of a dip.\n\nYou might have a negative five or 10% return in your super. And then before you wanting to access it, we just need to try and hold on, wait, work a little bit longer before starting to submit those losses and take money out of your super. The risk of that happening when you're, say, 60, 61, 62, 63, the risk is quite high in these sorts of portfolios. So my sort of job today is to work out whether staying high growth is comfortable for you, whether you're happy with that risk, or whether you wanna start maybe reducing it back a little bit. Does that make sense?\n\nWell, let's go through a couple of questions just to sort of see how you're feeling, and then I can let you know sort of what it looks like to me. If you did over the next, say, five years, see a big 20% drop in your sofa, are you wanting to or willing to work longer to say age 65, 67, or 70 to be able to allow your portfolio to recover, or would you still wanna be stopped stopped working? Mhmm. I said it answer. I don't blame you at all.\n\nThat's absolutely fine. No. That's okay. So a big market drop would probably, say, concern you a little bit. You'd probably be wanting to call us and see what we can do or what we need to do to try and wait it out.\n\nYou'd be comfortable waiting it out, but not for a long period of time. Does that sound right? Yeah. Yeah. That's okay.\n\nThat's absolutely fine. No. Absolutely fine. That's all good. Now when we look at the expected returns that we're sorta after when it comes to markets, when you're in that kinda high growth environment, you are chasing returns.\n\nAnd this sort of portfolio is chasing returns at about 8% eight to 10% on a yearly basis. So this year, with a 12% return, even though one of your investments has been underperforming a little bit, you've actually exceeded that eight to 10% return, which is good. I think your portfolio has overperformed the expectation. But it also does sort of mean that if you decide to take on a little bit more risk in the market, the returns as I said before, they don't always drop. They can get greater returns than what is expected.\n\nIt's more just what the expectation is out of the portfolio based on past and previous performance. If you were to sort of look at dropping down, we could even do it slower just in smaller increments, maybe 10% at a time. So you go from high growth to growth now. That season 80% split between those growth to defensive assets. And then in a couple of years' time, we maybe take a little bit more of a step back.\n\nThinking about the returns that you've got this year, the expectation around a eight to 10% return, would you be comfortable maybe reducing back by 10%, or do you want it to stay in high growth for maybe another year and see how we go? That's that's one of the big things that I've been noticing this year is that a lot of people come out and go, yeah. Cool. I'm happy to stay high growth. I want really good returns.\n\nBut then with what's happened this year, when you sort of look at it, the market has a very heavy drop in around about between the twenty sixth and March 28. We saw quite a large dip, and that's sort of taken a bit of an effect on a lot of people's portfolios. And no one knows how long this war is gonna go for. We could see another large dip coming in the future. There's yeah.\n\nYeah. Yeah. That's okay. I've had a bit of a look, and with what we're sort of talking about at the moment, the way we are sort of going, you have scored in that risk profile as a growth investor. So it does mean sort of dropping that back by that 10%.\n\nIt it's, as I said, only a 10% drop in the risk value. So you go from having 90% in those growth assets to 80%. You're still retaining quite a lot of it. It's just kinda stepping down gradually and putting a little bit of protections in place there because of the unknowns, and there's nothing wrong with doing so. In the growth portfolio, we're still chasing returns at between seven to 9%.\n\nYou're still wanting a good compounded annual rate of return there. You still can expect a negative return for the one in five, but it becomes a bit less likely. And the suggested time frame for this portfolio is about six years. So, realistically, all going well, if it's age of 60, you said to me, hey. I do wanna retire.\n\nI wanna stop working. Let's make it happen. We absolutely can. And this portfolio sort of steps you forward over the next six years to be able to do that. I would still, if you're about one to two years out, be wanting to then reduce the risk even further.\n\nBut for now, would you be comfortable if I just look at bringing it down a little bit? Because you are getting closer to it. It gives you the option, and and we can sort of look at what happens. Yeah. Beautiful.\n\nSorry. It's probably not a conversation you've had before. It's something that I'm having a lot at the moment. Just sort of talking realistic terms about where everyone scores, where everyone is invested, and what that kind of means because there's nothing wrong with wanting to reduce your risk level. I've got forty year olds on my book who don't wanna be in high growth anymore, so it's honestly not a problem at all.\n\nAnd with the military super side of things, so I'm actually quite well versed in military super. It's something I do look at quite regularly. With that, obviously, you do have the option of accessing some of that out at that age 55, but there are higher tax consequences for doing so and limitations around how much you can access and how you can access. Are you yep. Yep.\n\nYep. Yeah. Yeah. Absolutely. And because of the type of suit that it is, there are tax consequences between even when you retire, there is tax payable on the drawdown.\n\nSo what I've been sort of looking at doing with a lot of my older clients is looking at retaining that until the age of 60. Because 60 is preservation age. You have a lot more control, and the tax absolutely. Absolutely. From the age of 60, because the tax consequences are significantly lower and they're basically the lowest that they do get over the time of holding a military super, I can then look at looking at whether we retain military super and draw a pension down from that for the lifetime or whether we roll it in and combine it to the hub 20 four account.\n\nSo I've been kind of weighing up the options. Yeah. Absolutely. Absolutely. It's something I've been yeah.\n\nYou're right. Yep. Yeah. Yeah. No.\n\nThat's okay. That's okay. No. No. Unfortunately, the taxes are still quite high.\n\nI mean, realistically, I would more than be comfortably telling you that I would wanna hold that as it is until the age of 60 if preferable. From the age of 55, you can't take it as a lump sum. You can only take a fortnightly pension amount, and the tax treatment currently as is at your standard marginal tax rate. So if you're still earning an income and you're on a higher tax rate because of your income, the the employer benefit in there is an untapped element. So they charge tax at your marginal tax rate, which reduces how much you could get.\n\nIf you were to hold off to the age of 60 and draw a pension there, they essentially give you an offset. So it's a much lower amount, and even taking your lump sum's available at that point. And what I've been doing with a lot of hold off yeah. Yeah. Much later.\n\nYeah. Perfect. Perfect. And even if 60 is worth, I'll do the research then for you again just to sort of see what the options are and what the best option is and provide the financial advice for you on whether we retain, whether we move it, what happens. It all just comes down to a lot of your goals as well, but it is something that we can touch on moving forward as often as you need to.\n\nOkay? Beautiful. And my team members have come back. They're still on hold with military super. They're still having some issues.\n\nSo after the call, I will send you an annual review pack. I'll have an updated balance in there for you. Okay? Excellent. Alright.\n\nWe had $3.80 last year, so there's definitely gonna be more than that. Yeah. Yeah. Yeah. Absolutely.\n\nNo. Not a problem at all. I'll make sure we have that document updated in there for you to review when the email comes through shortly. So I'll go back just to kinda recap. We'll look at reducing your risk profile just a little bit there.\n\nI'll look at removing the underlying investment that's underperforming and replace it with something a bit more low cost for you that has been performing a bit better and try to diversify your portfolio as much as possible. Does that sound okay for you, Matthew? Yep. Fantastic. Excellent.\n\nNow the other thing to sort of just touch base on is the insurance side of things. So you don't have any life or TPD. I know last year that was sort of touched on you were comfortable with that. In the event of passing, your super is paid out. The military super also does get paid out to your beneficiaries there.\n\nI have your beneficiaries noted down here with the three of them. So we've got sorry. Here it is. I do. Yes.\n\nMarie is noted as other dependent. Who's Marie to you? What's the relationship? Okay. Has anyone kinda gone through the legislative requirements around what beneficiaries are and who can be nominated?\n\nOkay. So with the beneficiaries inside Super, in order to be a beneficiary, essentially, it has to fit a certain criteria. It can only be nominated as your spouse, your children, or someone who is a financial dependent on you, someone who relies on you for financial support to pay their day to day bills and for financial support, essentially. So your children absolutely. And it all comes down to the tax consequences, essentially.\n\nSo under the legislation, they have these rules where you can only leave it to certain people. Whilst you've got Marie on there as a dependent, which is fine, it does come down to it's sitting there at the moment. If she does if you were to pass away and she was to go on claim, your two children would have no problem. They would be able to claim. However, the trustee would come back and tell her her nomination is invalid, and the portion that she was to be able to claim would go through and be put through in test date, and that would make it very difficult for her.\n\nSo to make it easier yes. No. It's definitely fine. It's it's frustrating. Yeah.\n\nNo. It is. Mhmm. Yep. No.\n\nThat's okay. So that's why I wanted to bring this up with you so at least we can have the conversation because there is a way around it. You've mentioned that she is your power of attorney. So do you have a will drawn up as well? Yeah.\n\nPerfect. So the easiest way to get around this and, look, your children are completely fine to stay on there if you would like them to be. Children, if they are nontax dependent, do pay tax on receiving a death benefit. It's really silly. I don't think children should pay tax, but it's all part of the tax legislation in regards to super and insurance benefits.\n\nSo you've got essentially one of two ways that we can look to do this, and I'm more than happy to help you to pre pre fill the form if you would like to. If you can leave both of your children to receive the 45% that they are now, and then the other 10% we can have nominated to your legal personal representative, which means that 10% goes from your super into your will. Yeah. But in their way of super, legal personal representative means estate. So it would go into your will, and then you can have that 10% paid out to your sister through your estate.\n\nThe other side or the other option is you can have the whole super benefit paid to your will through legal personal representing. So that with a 100%, this goes into your estate. And then through your will, you can nominate whatever percentage you want to, whoever you want. There's no restrictions that way. Yep.\n\nSo did you want me? Yep. So if if you're doing it that way in your will and that's already pre stated, it's probably better to just do a 100% of your beneficiary nomination in your super to your estate. So everything goes to your will. It all gets lumped together and then paid out 45 percent each of your children and 10% to to your sister.\n\nThat would probably, honestly, be the easiest way. Yep. Yep. Yeah. That's okay.\n\nNo. That's absolutely fine. Yep. No. That's absolutely fine.\n\nIt's not a problem at all. It's more just making sure that you're aware that like, if this was to stay the way it was and you were to pass away next week, your children would come and make a claim and that would be fine. But when your sister tried to make a claim, the trustee would come back and tell her that the claim isn't viable. They're not gonna pay the money, and that would make her life really, really difficult. So doing it this way can make things a lot easier.\n\nYou've already got your will set up, which is great. You've got everything nominated in your will the exact same. So we can just set if you're comfortable with me, I can get my team to prefill a beneficiary nomination for you. We can post out. You just need to get it signed and witnessed.\n\nThe witness can't be the people that you're wanting to have paid. So Marie, Hannah, and Emma can't be the witnesses. If you got some two other people who can just sign it with you when you're signing it, then send it back to us, and we can have that applied. That way, if anything happens next week, you're super everything just goes directly to your estate through your will, and then it all just gets paid out. It all gets lumped together and paid out to your beneficiaries that way.\n\nDoes that make sense? Perfect. It's a much easier way for you to to deal with it, and it also means that there's less likely of a chance that, you know, your sister's gonna have any problems with the claim or get rejected with the claim at the same time. Okay. Yep.\n\nPerfect. Now you do have it as a binding non lapsing nomination. It is a good way to have it because binding non lapsing means that you never have to fill another nomination document as long as it is filled out correctly and it reflects your wishes. Are you happy with us ticking the binding non lapsing box and pre filling the form for you? Yep.\n\nBeautiful. And did you want us to post that to your email? What's easier for yourself? Yep. Absolutely.\n\nNot a problem. I am really sorry. It's not not great to have to go through that, and I I'm terribly sorry no one's kinda pulled this up in the past about those nominations, but I do try to make sure that you're aware. Because as you said, if something happens next week, the last thing you want is your sister having to go to the rigmarole and being rejected and everything else there. So it's a difficult time.\n\nYeah. No. Correct. Absolutely. I'll take care of that one for you then, Matthew.\n\nIt's not a problem at all. Okay? Beautiful. That's alright. Other things to just kinda check on here, income wise, I had you earning about a 120,000 per annum.\n\nHave you been lucky enough to get a pay rise recently? 130,000? Fantastic. Excellent. Yep.\n\nThat's fine. It's not a problem at all. Fantastic. And I have here you work for OsmoFlow. What's your actual title?\n\nWhat's your title at work? Service technician. Perfect. Yeah. Yeah.\n\nWow. Fantastic. Yeah. Wow. And you sort of sort of work week on week off.\n\nIs that how that works? Like, on-site? Yep. Okay. Yeah.\n\nWow. Well, at least you get a bit of downtime in between. And, I mean, at the moment, the downtime doesn't feel like downtime because you're renovating as well, but, hopefully, you enjoy some downtime. That's it. Yeah.\n\nThat's that's okay. I also just need to update your next of kin on file. It looks like I don't have a next of kin. Who would you wanna nominate as your next of kin? Would that be your sister or daughter?\n\nYep. That's Marie. Beautiful. Well, do you know her phone number if I had it all? You're right.\n\nYep. Yep. 534. Fantastic. Thank you for that.\n\nAppreciate it. I think when we kinda got on to the beneficiary side of things, we're talking about the life cover. So, realistically, not having any life cover at the moment means that your super benefit is paid out. It's the military super and you have 24, which, given the current balance at the moment, is a bit over 560,000 plus however much more than military super is boosted for. That would realistically cover your mortgage, you know, pay out the debts there and then be provided to your family as additional.\n\nAre you fairly comfortable with that level of cover if you were to pass away and what that would cover? Yep. That's okay. And, TB, like, you don't have any sort of permanent disability cover. Obviously, in your fifties, that sort of insurance does become more expensive.\n\nAnd if you were to be totally permanently disabled, never able to go back to work again, we can claim that against your super to have releasing there. Are you comfortable just not looking at having any new cover? You're happy with the the income protection that you've got? Or yep. Yep.\n\nThat's okay. With the income protection that you do have at the moment, it does pay out a monthly benefit in the event of short term disability. 6,215 is the cover amount. That's a pretax benefit. So say if you were to get, I'm estimating about, say, $5,600 on a monthly basis, in the shorter term for income protection, would that kinda cover your expenses?\n\nYep. Yeah. Do you yeah. Is this more looking at, like, the income protection sum insured that you do have is good. It's not a bad sum insured by any means.\n\nIt's we could look at getting more cover for you if you wanted to maximize the income protection, but it is expensive. It is paid out of your super, and having insurances paid out of your super does affect how much you have to retire on. So it's more just about making sure that you've got the cover you want, but we're not eating away all of your super and ending up with nothing. And, also, what your goals are? Did you wanna look at maybe income protection, or are you happy just with what you've got at the moment, hoping that you don't have to claim?\n\nWhat's your thoughts? Yep. Yep. It is very expensive, so I wouldn't increasing income protection could increase it over about $10,000 per year premium wise, because this year, you paid 5,685 for that. So it does get more and more expensive as you get older.\n\nYeah. That's fine. We're happy to leave it as is. If you ever want us to sort of reevaluate it, let me know. There is the risk that it is more expensive, but it's more about making sure that you do have cover as well.\n\nOne of the biggest risks that we take with having any insurances is that we have them and never claim on them, and then we cancel them, and we pay the lowest in premiums. Oh, so sorry. The big the biggest risk we have with insurances is that we hold the insurances. We pay the premiums for years, and we never actually claim. So then we they just get canceled in the end anyway.\n\nYeah. But, I mean, hopefully realistically, we hope that you never have to claim on income protection. Do you have much sitting in your offset or redraw facility that you could sort of fall back on if you needed to for living expenses? Expenses. Yeah.\n\nMhmm. Oh, do you? Okay. Perfect. Okay.\n\nPerfect. That's something I didn't have noted down here, but that's really good to know. So $250 per fortnight from DBA. Excellent. Yep.\n\nBeautiful. And, look, realistically, by not having any more income protection, you are still getting the DBA payments there as well. And when you do claim on income protection, they do tend to offset the sum insured by any payments that you are receiving, and DBA is included in a lot of those depending on the insurer. So if we looked at increasing it up to the level that you would realistically need, it could then be offset and reduced in the event of claim anyway. So retaining that and keeping the DBA payments is good.\n\nIt's giving you a bit more of an offset, which is good. Okay? Excellent. Excellent. I'll make a note of that.\n\nThat's beautiful. Have the DBA payments increased at all over the last couple of months? Yeah. Yep. Perfect.\n\nPerfect. Yeah. Caution. Yeah. No.\n\nAbsolutely. No. It's fantastic. Thank you for updating that for me. I'll make sure we do have a note of that on file, which is great.\n\nExcellent. I've got down here that you were a social smoker about three a day. Is that still correct? Yep. Sorry.\n\nDepending on the day. Yeah. Yes. Absolutely. Absolutely.\n\nNo. All good. And I'm just gonna update here. It says on here from the last back one, you didn't have a will updated. So I'm gonna note here that you do because you do have your will and power of attorney and everything set up, which is good.\n\nOther than that, everything else looks good. The only other assets to kinda check-in on I had a camper van. I'll see here with an asset value of 17,700. Do you still have the camper van? Yep.\n\nOkay. Cool. What kind of vehicle? Oh, nice. And what's the asset value?\n\nYeah. What's the value would you put on that one? Yep. Yep. Beautiful.\n\nIs it something you're doing up? Oh, absolutely. Oh, perfect. Perfect. And is that kind of one of your things you wanna do in retirement and do up cars and things like that or travel, or what's your retirement plan?\n\nYep. Oh, love that. Yeah. Yeah. Yeah.\n\nYeah. No. That's fantastic. Yeah. Yep.\n\nPerfect. Perfect. And the other thing I have on here is another motor vehicle with a value of a 100,000. I assume it's the one that you drive all the time. What kind of car do you yes.\n\nYes. Perfect. Excellent. And value on that is about a 100,000. Would you keep it about the same?\n\nYes. Beautiful. And I'm happy that you had a loan there of about 50,000 on that one. Do you still have that loan on the vehicle? No.\n\nPaid off. Yep. Yep. Yep. Perfect.\n\nExcellent. Excellent. Well, that looks like everything's all good there. So just to kinda recap, I'm looking at altering your portfolio. I'll reduce the risk level a bit for you, but also look at replacing the investment that hasn't been performing properly.\n\nI'll look at the overall risk of your portfolio and maybe rebalance if we need to as well. Because you are closer to retirement, do you want me to maybe look at the retirement asset down the track for you and see where we might be heading just to give you a bit of an idea? I can't factor in the military suit because they don't tell us what the CCI benefit is that they increase by. But did you want me to just look at the hub 20 4 and see where we're tracking where we should be able to end up at maybe sixty, sixty five, and what that looks like down the track for you? Yeah.\n\nYeah. Absolutely. It's more just a limited scope sort of section of the advice that I look at when you're in your fifties, sort of look at where we're tracking with what we're working on now, and then we'll keep sort of reviewing that. I look down the track to see whether you might be eligible for any additional Centrelink benefits as well, and sort of see what kind of longevity we're hoping to get out of your super. And it will not include your military super, so that'll obviously, you know, provide a greater effect.\n\nBut I can I can look into that for you as part of the advice document, do a bit of limited scoping on there? Just to sort of show you where you're tracking for to, you know, give you a little bit more of an idea of what's down the road. Does that sound okay? Yep. Beautiful.\n\nBeautiful. The only other thing I wanted to touch base on here was that you don't have any kind of insurances out of Super. You're not wanting to try and pay for any of the insurances outside of Super. It sounds like your cash flow is a bit tight. The mortgage is your main priority.\n\nIs that right? Yep. That's okay. Not a problem at all. And is there any other goal that you might be wanting to achieve aside from the retirement aspect, building super, and paying off your mortgage?\n\nYeah. That's okay. That's absolutely fine. We'll get those beneficiaries updated for you and send them out, and I'll go working on the research for you there, Matthew. We are just gonna send through your annual review docs afterwards, which will have a copy of all the information that we've gone through with the reports, the balances of your super, the updated information around your income protection policy.\n\nI've also got on that document our financial services guide, which has a lovely picture of me, and I'm a full licensed adviser. So it'll have my registration information for you. If you ever wanted to look me up, my license number registered with Aptive is 1304394. Okay? The only other thing to let you know is we do as you are an ongoing client, we're updating the advice for you.\n\nThe advice is updated with no additional fees, no implementation fees, or anything like that. As an ongoing client, you do pay us an ongoing service fee, so it's our job to update the advice and make sure that we're reflecting things and changing things for you as your life changes. The ongoing service fee is 1.65% per annum, so over the course of the year. Each month, it is deducted in smaller monthly increments, And the idea of the percentage based fee is it fluctuates with the market. So when your super is performing better, our fee is gonna increase.\n\nHowever, if the market takes a dip with what's happening globally, it means our fee takes a dip there with it. Does that make sense? And do you have any questions at all? No. That's beautiful.\n\nThat was my goal for today was to touch base on all the things. I did a really good review of your file beforehand, and I wanted to sort of touch base on all those additional areas and make sure that everything was working for you. I'll go back and do some research, and my team will let you know when we have the advice ready to go. We'll come back and have a look at that together. Does that sound okay?\n\nFantastic. Well, I will let you go. You have an amazing afternoon. Enjoy your days off, and don't work too hard on the house. And I'll get stuck into those research and get those emails out to you.\n\nAnd, yeah, if there's anything else you need, please don't ever hesitate. Let me know. I'm more than happy to make time to have a chat. Oh, thank you so much for your time. Enjoy your afternoon, Matthew.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Matthew.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.10795480385422707},{"text":"It's Dana from Oku Financial.","start":3.36,"end":4.98,"sentiment":"neutral","sentiment_score":0.16152594685554506},{"text":"How are you today?","start":5.04,"end":6.1,"sentiment":"neutral","sentiment_score":0.18962157145142555},{"text":"That's good.","start":8.559999,"end":9.44,"sentiment":"positive","sentiment_score":0.6354400217533112},{"text":"I had you booked in to go through a bit of an annual review today.","start":9.44,"end":12.24,"sentiment":"neutral","sentiment_score":0.14783909171819687}],"sentiment":"neutral","sentiment_score":0.1882318588239806,"num_words":28,"start":2.56,"end":12.24},{"sentences":[{"text":"Isn't that still a good time?","start":12.24,"end":13.679999,"sentiment":"neutral","sentiment_score":0.08522745470205943},{"text":"Yeah?","start":13.679999,"end":14.179999,"sentiment":"neutral","sentiment_score":0.04071841388940811},{"text":"No.","start":16.535,"end":16.775,"sentiment":"neutral","sentiment_score":-0.006539905443787575},{"text":"That's okay.","start":16.775,"end":17.575,"sentiment":"neutral","sentiment_score":0.04285908117890358},{"text":"Not a problem at all.","start":17.575,"end":18.455,"sentiment":"neutral","sentiment_score":0.14604753851890565}],"sentiment":"neutral","sentiment_score":0.09076660610735417,"num_words":15,"start":12.24,"end":18.455},{"sentences":[{"text":"How's your morning been so far?","start":18.455,"end":20.315,"sentiment":"neutral","sentiment_score":0.11798095206419627},{"text":"Oh, wow.","start":23.735,"end":24.635,"sentiment":"neutral","sentiment_score":0.057075344026088715},{"text":"You've got a lot going on at the moment.","start":29.43,"end":31.529999,"sentiment":"neutral","sentiment_score":0.01112166005704138},{"text":"No.","start":34.79,"end":35.11,"sentiment":"neutral","sentiment_score":-0.04135024547576904},{"text":"All good.","start":35.11,"end":35.51,"sentiment":"neutral","sentiment_score":0.05843108147382736}],"sentiment":"neutral","sentiment_score":0.04988216292113066,"num_words":20,"start":18.455,"end":35.51},{"sentences":[{"text":"Well, I'll try not to take up too much of your time.","start":35.51,"end":37.27,"sentiment":"neutral","sentiment_score":-0.006061523531874021},{"text":"Just been having a bit of a look through.","start":37.27,"end":38.629997,"sentiment":"neutral","sentiment_score":0.09303239401843813},{"text":"I wanna do a bit of a annual review with you as well.","start":38.629997,"end":41.265,"sentiment":"neutral","sentiment_score":0.12900570092292932},{"text":"And just sort of see what your goals are and whether we need to maybe look at updating the advice for you.","start":41.585,"end":46.145,"sentiment":"neutral","sentiment_score":0.07538852070204237},{"text":"Okay?","start":46.145,"end":46.645,"sentiment":"neutral","sentiment_score":0.0422712080180645}],"sentiment":"neutral","sentiment_score":0.07267449191657074,"num_words":57,"start":35.51,"end":46.645},{"sentences":[{"text":"Yeah.","start":49.745,"end":50.065,"sentiment":"neutral","sentiment_score":0.05362069234251976},{"text":"You're alright.","start":50.065,"end":50.805,"sentiment":"neutral","sentiment_score":0.0837869681417942},{"text":"Yeah.","start":58.66,"end":59.06,"sentiment":"neutral","sentiment_score":0.061768028885126114},{"text":"No.","start":59.06,"end":59.3,"sentiment":"neutral","sentiment_score":0.07905314862728119},{"text":"Not a problem at all.","start":59.3,"end":60.18,"sentiment":"neutral","sentiment_score":0.1544341117143631}],"sentiment":"neutral","sentiment_score":0.11341863647103309,"num_words":10,"start":49.745,"end":60.18},{"sentences":[{"text":"Let's just sort of jump into things there for you, and we'll see what's happening.","start":60.18,"end":63.16,"sentiment":"neutral","sentiment_score":0.13792979617913564},{"text":"Obviously, you wanted to have a bit of a chat about your superannuation, see how things are going there.","start":64.1,"end":68.064995,"sentiment":"neutral","sentiment_score":0.10996620435463755},{"text":"But is there anything else you wanted me to sort of touch on with regard to the annual review today there, Matthew?","start":68.064995,"end":73.445,"sentiment":"neutral","sentiment_score":0.054947870021516625},{"text":"Yeah.","start":89.58,"end":89.9,"sentiment":"neutral","sentiment_score":0.1564548760652542},{"text":"Perfect.","start":89.9,"end":90.4,"sentiment":"positive","sentiment_score":0.38806501030921936}],"sentiment":"neutral","sentiment_score":0.10192548021160323,"num_words":58,"start":60.18,"end":90.4},{"sentences":[{"text":"Excellent.","start":90.700005,"end":91.200005,"sentiment":"positive","sentiment_score":0.3932695686817169},{"text":"Before we jump into the call and discuss any of your personal information there, I just need to let you know our calls are recorded moving forward for training and quality purposes.","start":91.82001,"end":98.685,"sentiment":"neutral","sentiment_score":0.12586423102766275},{"text":"Are you happy for me to continue with that yet?","start":98.685,"end":101.185,"sentiment":"neutral","sentiment_score":0.12671531960368157},{"text":"It's yeah.","start":102.925,"end":105.425,"sentiment":"neutral","sentiment_score":0.15736356750130653},{"text":"It absolutely is.","start":105.485,"end":106.845,"sentiment":"positive","sentiment_score":0.35293127099672955}],"sentiment":"neutral","sentiment_score":0.1471166480332613,"num_words":48,"start":90.700005,"end":106.845},{"sentences":[{"text":"It's all good.","start":106.845,"end":107.905,"sentiment":"positive","sentiment_score":0.45848973592122394},{"text":"And I just wanna do some quick security check with you as well just to confirm that your date of birth and address I should have on file.","start":108.125,"end":114.2,"sentiment":"neutral","sentiment_score":0.1835589294454881},{"text":"Yep.","start":117.619995,"end":118.119995,"sentiment":"neutral","sentiment_score":0.013124532997608185},{"text":"Beautiful.","start":122.1,"end":122.6,"sentiment":"positive","sentiment_score":0.6018657684326172},{"text":"Beautiful.","start":123.395,"end":123.555,"sentiment":"positive","sentiment_score":0.7149275541305542}],"sentiment":"neutral","sentiment_score":0.2307363849352388,"num_words":34,"start":106.845,"end":123.555},{"sentences":[{"text":"Thank you so much for that, and happy birthday for eight days ago.","start":123.555,"end":126.835,"sentiment":"positive","sentiment_score":0.7723260751137366},{"text":"I hope you had a good day.","start":126.835,"end":128.215,"sentiment":"positive","sentiment_score":0.670905956200191},{"text":"All good.","start":131.075,"end":131.795,"sentiment":"positive","sentiment_score":0.5766491591930389},{"text":"So, Matthew, just to sort of jump into things there for you.","start":131.795,"end":134.595,"sentiment":"neutral","sentiment_score":0.15141620362798372},{"text":"Now you did sort of mention you wanna be on track for retirement.","start":134.595,"end":137.495,"sentiment":"neutral","sentiment_score":0.076893194936789}],"sentiment":"positive","sentiment_score":0.39801031842510753,"num_words":47,"start":123.555,"end":137.495},{"sentences":[{"text":"We initially had in here that you wanted to access Luther at around about age 60.","start":138.93001,"end":142.77,"sentiment":"neutral","sentiment_score":0.03071659617125988},{"text":"Is that still your goal age for retiring, or do you think you'll be working a bit longer?","start":142.77,"end":147.33,"sentiment":"neutral","sentiment_score":0.00899559875122375},{"text":"What's your goal now?","start":147.33,"end":148.55,"sentiment":"neutral","sentiment_score":0.00246280524879694},{"text":"Hopefully not.","start":154.44499,"end":155.50499,"sentiment":"neutral","sentiment_score":-0.049990586936473846},{"text":"Yep.","start":166.06001,"end":166.38,"sentiment":"neutral","sentiment_score":0.04817534610629082}],"sentiment":"neutral","sentiment_score":0.014912968524163815,"num_words":41,"start":138.93001,"end":166.38},{"sentences":[{"text":"No.","start":166.38,"end":166.54001,"sentiment":"neutral","sentiment_score":0.036423083394765854},{"text":"That's okay.","start":166.54001,"end":167.42,"sentiment":"neutral","sentiment_score":0.07406017556786537},{"text":"Not a problem at all.","start":167.42,"end":168.70001,"sentiment":"neutral","sentiment_score":0.13794523626565933},{"text":"And you mentioned that one of those things is to try and get your mortgage out of the way before you retire.","start":168.70001,"end":172.94,"sentiment":"neutral","sentiment_score":-0.003877001221884381},{"text":"How much do you have left on that at the moment?","start":172.94,"end":174.88,"sentiment":"neutral","sentiment_score":-0.010222447189417753}],"sentiment":"neutral","sentiment_score":0.016500699265701014,"num_words":41,"start":166.38,"end":174.88},{"sentences":[{"text":"Oh, okay.","start":180.665,"end":181.405,"sentiment":"neutral","sentiment_score":0.09555459767580032},{"text":"Perfect.","start":181.465,"end":181.965,"sentiment":"neutral","sentiment_score":0.17111453413963318},{"text":"490,000 owing there.","start":182.50499,"end":184.665,"sentiment":"neutral","sentiment_score":0.08217605451742808},{"text":"I had an asset value of the property estimated to be about 950,000.","start":184.665,"end":189.485,"sentiment":"neutral","sentiment_score":0.03531890118924471},{"text":"Would you increase that valuation at all?","start":189.545,"end":192.045,"sentiment":"neutral","sentiment_score":0.036997277821813314}],"sentiment":"neutral","sentiment_score":0.051033790509861246,"num_words":26,"start":180.665,"end":192.045},{"sentences":[{"text":"Yes.","start":192.75,"end":193.25,"sentiment":"neutral","sentiment_score":0.07845525443553925},{"text":"Yeah.","start":203.47,"end":203.95,"sentiment":"neutral","sentiment_score":0.022009313106536865},{"text":"Wow.","start":203.95,"end":204.45,"sentiment":"neutral","sentiment_score":0.04230036586523056},{"text":"Wow.","start":205.60501,"end":205.925,"sentiment":"neutral","sentiment_score":0.15621699392795563},{"text":"We'll definitely increase that valuation for you.","start":205.925,"end":208.24501,"sentiment":"neutral","sentiment_score":0.2086014108998435}],"sentiment":"neutral","sentiment_score":0.15992652760310608,"num_words":11,"start":192.75,"end":208.24501},{"sentences":[{"text":"Perfect.","start":208.24501,"end":208.74501,"sentiment":"neutral","sentiment_score":0.25372636318206787},{"text":"Now with regards you're a 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visit?","start":224.98001,"end":231.08,"sentiment":"neutral","sentiment_score":0.08369769901037216},{"text":"Yeah.","start":252.87001,"end":253.27,"sentiment":"neutral","sentiment_score":0.07073915004730225},{"text":"No.","start":253.27,"end":253.51001,"sentiment":"neutral","sentiment_score":0.05430076643824577}],"sentiment":"neutral","sentiment_score":0.09647952718660235,"num_words":40,"start":221.06,"end":253.51001},{"sentences":[{"text":"Not a problem at all.","start":253.51001,"end":254.89,"sentiment":"neutral","sentiment_score":0.26730814576148987},{"text":"And have you ever have you considered to maybe or have you had your mortgage sort of reevaluated by a mortgage broker to see if there's maybe a better rate or a better way of trying to pay that down in the next couple of years?","start":255.35,"end":267.035,"sentiment":"neutral","sentiment_score":0.06855068461078664},{"text":"Or yeah.","start":267.095,"end":273.595,"sentiment":"neutral","sentiment_score":-0.07478213403373957},{"text":"Yeah.","start":281.71,"end":282.21,"sentiment":"neutral","sentiment_score":-0.047549255192279816},{"text":"They are.","start":284.18997,"end":285.00998,"sentiment":"neutral","sentiment_score":-0.05122785642743111}],"sentiment":"neutral","sentiment_score":0.07482683901408953,"num_words":56,"start":253.51001,"end":285.00998},{"sentences":[{"text":"Yeah.","start":285.22998,"end":285.72998,"sentiment":"neutral","sentiment_score":-0.024957582354545593},{"text":"Yeah.","start":289.135,"end":289.635,"sentiment":"neutral","sentiment_score":0.10677992552518845},{"text":"That's okay.","start":291.45502,"end":292.255,"sentiment":"neutral","sentiment_score":0.23867172002792358},{"text":"Did you want me to maybe put you in touch with a mortgage broker to see if there's a way that they can maybe help you to look at reevaluating the loan and helping you pay that down a little bit faster?","start":292.255,"end":301.875,"sentiment":"neutral","sentiment_score":0.22911533358551206},{"text":"Yeah.","start":306.77,"end":307.27,"sentiment":"neutral","sentiment_score":0.15820035338401794}],"sentiment":"neutral","sentiment_score":0.22000447121706415,"num_words":47,"start":285.22998,"end":307.27},{"sentences":[{"text":"Yeah.","start":309.56998,"end":310.06998,"sentiment":"neutral","sentiment_score":0.10455101728439332},{"text":"Yeah.","start":315.81,"end":316.31,"sentiment":"neutral","sentiment_score":0.05586361885070801},{"text":"A way to help you out.","start":322.615,"end":323.815,"sentiment":"neutral","sentiment_score":0.1401671307782332},{"text":"Yeah.","start":323.815,"end":324.135,"sentiment":"neutral","sentiment_score":0.1533200442790985},{"text":"Absolutely.","start":324.135,"end":324.635,"sentiment":"neutral","sentiment_score":0.22868473827838895}],"sentiment":"neutral","sentiment_score":0.1383422203361988,"num_words":10,"start":309.56998,"end":324.635},{"sentences":[{"text":"I mean, I was we see here from your last annual review that you are putting as much as you can onto your mortgage.","start":325.01498,"end":330.315,"sentiment":"neutral","sentiment_score":0.07722261858483155},{"text":"All your excess sort of income is going on to the mortgage pay down faster.","start":330.375,"end":333.86002,"sentiment":"neutral","sentiment_score":-0.05156552642583847},{"text":"And that's definitely one way of making sure that you're, you know, trying to cut it out as quickly as possible.","start":334.72,"end":339.62,"sentiment":"neutral","sentiment_score":0.03475337138488179},{"text":"But with where you are at the moment, you do have about six years until you're realistically wanting to retire.","start":340.16,"end":344.96,"sentiment":"neutral","sentiment_score":-0.09309573732316494},{"text":"It is a large sum to try and pay down in that time frame.","start":344.96,"end":348.32,"sentiment":"neutral","sentiment_score":-0.1604307128914765}],"sentiment":"neutral","sentiment_score":-0.024449616789500764,"num_words":94,"start":325.01498,"end":348.32},{"sentences":[{"text":"So the likelihood of you going sorry.","start":348.32,"end":351.095,"sentiment":"neutral","sentiment_score":-0.23949183842965535},{"text":"You're right.","start":351.095,"end":351.83502,"sentiment":"negative","sentiment_score":-0.4099339246749878},{"text":"Wishful thinking, that's okay.","start":355.89502,"end":357.415,"sentiment":"neutral","sentiment_score":0.034158057533204556},{"text":"Did you want me to work on maybe, say, 65 as a bit of a plan of attack here because you might have that mortgage a bit longer?","start":357.415,"end":363.51,"sentiment":"neutral","sentiment_score":-0.0008982812453593532},{"text":"In saying that, I mean, you are between the age of yeah.","start":363.75,"end":367.59,"sentiment":"neutral","sentiment_score":-0.03573066477353374}],"sentiment":"neutral","sentiment_score":-0.053086761139192674,"num_words":53,"start":348.32,"end":367.59},{"sentences":[{"text":"Up until the age of 60 with your sleep, so there's very limited sort of things we can do.","start":367.59,"end":371.35,"sentiment":"neutral","sentiment_score":-0.08011367858240478},{"text":"It's more just making contributions, taking on more risk, and making sure your sleep is working harder and the investments you're invested in.","start":371.35,"end":378.25,"sentiment":"neutral","sentiment_score":0.005722685959999976},{"text":"But once you actually get to the age of 60, there's also some other strategies we can put in place where we can help you to increase contributions in without affecting your take home pay and things like that.","start":378.615,"end":389.895,"sentiment":"neutral","sentiment_score":0.20804033428430557},{"text":"So there are other strategies between 60 to 65 that can help you super whilst keeping your take home pay the same, helping to lower taxable income, and things like that that we can also put into into play for you.","start":389.895,"end":403.93002,"sentiment":"positive","sentiment_score":0.44416970923179533},{"text":"We'll go into a 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yeah.","start":415.42502,"end":419.38,"sentiment":"neutral","sentiment_score":0.014727030880749226}],"sentiment":"neutral","sentiment_score":0.09966322911843177,"num_words":31,"start":406.065,"end":419.38},{"sentences":[{"text":"Yeah.","start":419.38,"end":419.86,"sentiment":"neutral","sentiment_score":0.08657972514629364},{"text":"Correct.","start":419.86,"end":420.34,"sentiment":"neutral","sentiment_score":0.12355995923280716},{"text":"Yeah.","start":420.34,"end":420.84,"sentiment":"neutral","sentiment_score":0.05912700295448303},{"text":"But what I would probably suggest now at the moment is more contributions at the super don't feel like they're really in your comfort level.","start":422.34,"end":430.81998,"sentiment":"neutral","sentiment_score":-0.1517871391773224},{"text":"Your main priority at the moment is your mortgage.","start":430.81998,"end":433.3,"sentiment":"neutral","sentiment_score":-0.060276121728950076}],"sentiment":"neutral","sentiment_score":-0.10994315912594667,"num_words":37,"start":419.38,"end":433.3},{"sentences":[{"text":"Is that right?","start":433.3,"end":434.19998,"sentiment":"neutral","sentiment_score":0.04571601996819178},{"text":"Yes.","start":435.49503,"end":435.815,"sentiment":"neutral","sentiment_score":0.09465579688549042},{"text":"Yes.","start":435.815,"end":436.135,"sentiment":"neutral","sentiment_score":0.08829326927661896},{"text":"That's okay.","start":436.135,"end":436.95502,"sentiment":"neutral","sentiment_score":0.14395807310938835},{"text":"Absolutely.","start":440.21503,"end":440.71503,"sentiment":"neutral","sentiment_score":0.2282916158437729}],"sentiment":"neutral","sentiment_score":0.10453811101615429,"num_words":8,"start":433.3,"end":440.71503},{"sentences":[{"text":"Absolutely.","start":441.095,"end":441.595,"sentiment":"neutral","sentiment_score":0.24593353271484375},{"text":"And, look, at the moment, I'm both we are actually going through this.","start":441.815,"end":444.695,"sentiment":"neutral","sentiment_score":0.07860613213135646},{"text":"I do actually have your super balance here in front of me.","start":444.695,"end":448.2,"sentiment":"neutral","sentiment_score":0.189013309776783},{"text":"So having a look at things at the moment, the super balance now yeah.","start":448.28,"end":452.7,"sentiment":"neutral","sentiment_score":0.125316893947976},{"text":"Sorry.","start":453.48,"end":453.98,"sentiment":"neutral","sentiment_score":-0.060059044510126114}],"sentiment":"neutral","sentiment_score":0.12756952289037587,"num_words":41,"start":441.095,"end":453.98},{"sentences":[{"text":"You're right.","start":454.28,"end":454.76,"sentiment":"neutral","sentiment_score":-0.014180978760123253},{"text":"You got a 184,778 so I'm sorry.","start":454.76,"end":460.36002,"sentiment":"neutral","sentiment_score":-0.03689244110137224},{"text":"A hundred and eighty four thousand seven hundred and eighty five.","start":460.36002,"end":462.76,"sentiment":"neutral","sentiment_score":-0.007212508215822957},{"text":"So you have definitely gone up from the last year there when you consider the return.","start":462.76,"end":467.665,"sentiment":"positive","sentiment_score":0.6064364705234766},{"text":"So any income and growth within the fund after fees have been taken out, including our ongoing service fee, you're up by 12.01%.","start":467.725,"end":476.54498,"sentiment":"positive","sentiment_score":0.39694686298785004}],"sentiment":"neutral","sentiment_score":0.31299686002529276,"num_words":59,"start":454.28,"end":476.54498},{"sentences":[{"text":"So looking all on us, we have an updated balance as of last year, which is the 383,000, but we are just waiting for them to send us an updated statement.","start":476.685,"end":493.35498,"sentiment":"neutral","sentiment_score":0.008134210482239723},{"text":"They've had a few issues with their system.","start":493.41498,"end":495.41498,"sentiment":"neutral","sentiment_score":-0.21277941949665546},{"text":"So the statement didn't unfortunately come through in time here, but my team is on the phone with them at the moment trying to kinda get the updated balance.","start":495.41498,"end":502.615,"sentiment":"neutral","sentiment_score":-0.08519000823384729},{"text":"I'll just see if anything's come through for you because I did wanna try and give you the one.","start":502.615,"end":507.035,"sentiment":"neutral","sentiment_score":0.018896284954328286},{"text":"No.","start":510.6,"end":511.1,"sentiment":"neutral","sentiment_score":-0.06473393738269806}],"sentiment":"neutral","sentiment_score":-0.041207836284725505,"num_words":88,"start":476.685,"end":511.1},{"sentences":[{"text":"Yeah.","start":514.76,"end":515.16,"sentiment":"neutral","sentiment_score":-0.027313221246004105},{"text":"Your balance is much higher when you consider the military super side of things.","start":515.16,"end":518.76,"sentiment":"neutral","sentiment_score":-0.05941850745252201},{"text":"And with yeah.","start":518.76,"end":523.005,"sentiment":"neutral","sentiment_score":-0.012825452412168184},{"text":"Well, if I focus on the balance that we had here last year, which is at $3.83 plus the balance that we've got here at the moment with the $1.84 $7.08 5, it's sorry.","start":523.005,"end":535.085,"sentiment":"neutral","sentiment_score":0.009480007179423837},{"text":"3384785.","start":535.085,"end":539.37,"sentiment":"neutral","sentiment_score":-0.011077821254730225}],"sentiment":"neutral","sentiment_score":-0.011064269056078047,"num_words":53,"start":514.76,"end":539.37},{"sentences":[{"text":"So it's a bit over $560,000 between the two at the moment.","start":539.83,"end":543.93,"sentiment":"neutral","sentiment_score":-0.004534691610994439},{"text":"And military 560 for 5 six zero.","start":544.70996,"end":549.13,"sentiment":"neutral","sentiment_score":0.004518530032198344},{"text":"Yeah.","start":549.575,"end":550.075,"sentiment":"neutral","sentiment_score":0.02549293451011181},{"text":"So, realistically, a military super isn't in isn't sort of it's not invested the way your current super is in hub 20 '4.","start":550.135,"end":557.495,"sentiment":"neutral","sentiment_score":-0.03359751970223759},{"text":"So it is essentially indexed at a certain rate of return every year.","start":557.495,"end":561.895,"sentiment":"neutral","sentiment_score":0.031801411452201694}],"sentiment":"neutral","sentiment_score":-0.006368183194094205,"num_words":56,"start":539.83,"end":561.895},{"sentences":[{"text":"Yeah.","start":561.895,"end":562.395,"sentiment":"neutral","sentiment_score":0.11109381914138794},{"text":"It does.","start":564.92,"end":565.57996,"sentiment":"neutral","sentiment_score":0.05177740380167961},{"text":"Yeah.","start":576.595,"end":576.835,"sentiment":"neutral","sentiment_score":0.08433131873607635},{"text":"That's correct.","start":576.835,"end":577.575,"sentiment":"neutral","sentiment_score":0.18895339220762253},{"text":"Yeah.","start":577.635,"end":577.955,"sentiment":"neutral","sentiment_score":0.2849171757698059}],"sentiment":"neutral","sentiment_score":0.13740055795226777,"num_words":7,"start":561.895,"end":577.955},{"sentences":[{"text":"Definitely.","start":577.955,"end":578.455,"sentiment":"positive","sentiment_score":0.4271121025085449},{"text":"So I have had a really good look at your performance at the super.","start":578.835,"end":582.515,"sentiment":"positive","sentiment_score":0.6274732266153608},{"text":"It has done really well.","start":582.515,"end":583.555,"sentiment":"positive","sentiment_score":0.6049481630325317},{"text":"You've had a 12% return, which is fantastic.","start":583.555,"end":585.975,"sentiment":"positive","sentiment_score":0.6968022584915161},{"text":"I have just gone back and had a really good look at the investments underlining in there.","start":586.915,"end":591.415,"sentiment":"positive","sentiment_score":0.532442652127322}],"sentiment":"positive","sentiment_score":0.5969426943196191,"num_words":45,"start":577.955,"end":591.415},{"sentences":[{"text":"At the moment, they are all performing quite nicely.","start":591.95996,"end":594.94,"sentiment":"positive","sentiment_score":0.39204631249109906},{"text":"I would, however, like to do a little bit of an adjustment.","start":595.0,"end":597.74,"sentiment":"neutral","sentiment_score":-0.1440605241805315},{"text":"You do have the Bennelong Estate in equities in there, which was added originally as they're meant to be an actively managed fund.","start":598.36,"end":606.38,"sentiment":"neutral","sentiment_score":-0.04258829776359641},{"text":"That investment, unfortunately, has underperformed a little bit in the last few months, so I would like to remove that out of your portfolio.","start":606.995,"end":613.65497,"sentiment":"negative","sentiment_score":-0.41171928495168686},{"text":"Because you are sort of in the realm of closer to retirement in your fifties there, we have two options on what we can look to replace that with.","start":614.595,"end":622.98,"sentiment":"neutral","sentiment_score":-0.12399065905603869}],"sentiment":"neutral","sentiment_score":-0.1304828069873692,"num_words":97,"start":591.95996,"end":622.98},{"sentences":[{"text":"I can replace that investment with something else that's meant to be actively managed.","start":622.98,"end":627.24,"sentiment":"neutral","sentiment_score":-0.011338494318936552},{"text":"Actively managed funds are where the investment money is trying to outperform against the market.","start":627.86,"end":632.92,"sentiment":"neutral","sentiment_score":0.0411378229657809},{"text":"And they don't always outperform against the market, and it does cost a bit more.","start":633.615,"end":637.055,"sentiment":"neutral","sentiment_score":-0.011668787399927775},{"text":"You do pay a higher fee to have those sorts of investment managers in your portfolio.","start":637.055,"end":641.315,"sentiment":"neutral","sentiment_score":-0.0013228135649114845},{"text":"Or if you like, I can look at something that's a bit more cheaper.","start":641.935,"end":645.235,"sentiment":"neutral","sentiment_score":0.01804656907916069}],"sentiment":"neutral","sentiment_score":0.006956534636383121,"num_words":74,"start":622.98,"end":645.235},{"sentences":[{"text":"A low cost investment is probably more passively managed, so it's more about participating in the market and tracking a certain indices and might be a bit more lower cost and can actually perform better than those actively managed funds at the same time.","start":645.44,"end":659.935,"sentiment":"neutral","sentiment_score":0.15717517872425643},{"text":"What would you like me to focus on?","start":659.935,"end":661.875,"sentiment":"neutral","sentiment_score":0.02544861799106002},{"text":"Yeah.","start":665.615,"end":666.095,"sentiment":"neutral","sentiment_score":0.18069443106651303},{"text":"Absolutely.","start":666.095,"end":666.595,"sentiment":"neutral","sentiment_score":0.2501142621040344},{"text":"So I'll look at a low cost.","start":667.055,"end":668.835,"sentiment":"neutral","sentiment_score":0.1667563510792596}],"sentiment":"neutral","sentiment_score":0.14290819604132995,"num_words":61,"start":645.44,"end":668.835},{"sentences":[{"text":"Yes.","start":674.87,"end":675.19,"sentiment":"neutral","sentiment_score":0.1064276248216629},{"text":"No.","start":675.19,"end":675.50995,"sentiment":"neutral","sentiment_score":0.11860041320323944},{"text":"Absolutely.","start":675.50995,"end":676.00995,"sentiment":"neutral","sentiment_score":0.1439041793346405},{"text":"Not a problem at all.","start":676.23,"end":677.19,"sentiment":"neutral","sentiment_score":0.191333344578743},{"text":"So what I'll do is I'll look at a low cost index fund there for you.","start":677.19,"end":680.94995,"sentiment":"neutral","sentiment_score":0.13534536864608526}],"sentiment":"neutral","sentiment_score":0.14546353494127592,"num_words":24,"start":674.87,"end":680.94995},{"sentences":[{"text":"I'll look at replacing it, look at what has been performing better, and I'll update the advice and do a bit of an investment switch there for you.","start":680.94995,"end":688.47,"sentiment":"neutral","sentiment_score":0.1330886368772813},{"text":"Okay?","start":688.47,"end":688.97,"sentiment":"neutral","sentiment_score":0.07325687259435654},{"text":"Fantastic.","start":689.885,"end":690.385,"sentiment":"positive","sentiment_score":0.4711763560771942},{"text":"Now while we are sort of looking at the investment side of things there, just wanted to sort of find out.","start":691.245,"end":696.685,"sentiment":"neutral","sentiment_score":0.06891210424891185},{"text":"So when we're looking at your goal, you you would like to retire at 60 as a main preferable amount.","start":696.685,"end":701.805,"sentiment":"neutral","sentiment_score":0.06574399992823601}],"sentiment":"neutral","sentiment_score":0.09905562322573658,"num_words":71,"start":680.94995,"end":701.805},{"sentences":[{"text":"Are you comfortable with me worth beyond, say, 65 just so we can hopefully get the mortgage down a little bit more in that time frame?","start":701.805,"end":708.81,"sentiment":"neutral","sentiment_score":0.01765145329185403},{"text":"Yep.","start":708.94995,"end":709.44995,"sentiment":"neutral","sentiment_score":0.1398477554321289},{"text":"Yep.","start":709.50995,"end":710.00995,"sentiment":"neutral","sentiment_score":0.158006951212883},{"text":"That's okay.","start":711.43,"end":712.23,"sentiment":"positive","sentiment_score":0.43032097816467285},{"text":"That's not a problem at all.","start":712.23,"end":713.75,"sentiment":"positive","sentiment_score":0.4283302028973897}],"sentiment":"neutral","sentiment_score":0.11631710183185835,"num_words":36,"start":701.805,"end":713.75},{"sentences":[{"text":"So we'll work on that age for you.","start":713.75,"end":715.50995,"sentiment":"neutral","sentiment_score":0.31884699687361717},{"text":"Beautiful.","start":715.50995,"end":716.00995,"sentiment":"positive","sentiment_score":0.6607037782669067},{"text":"Now the other thing to sort of consider is, obviously, markets go up and down.","start":717.085,"end":721.165,"sentiment":"neutral","sentiment_score":0.059887585664788884},{"text":"Your military super isn't affected by market changes, which is a good thing.","start":721.165,"end":724.605,"sentiment":"neutral","sentiment_score":0.19161761036285987},{"text":"It's more of a defensive investment because it grows with their internal rate of return.","start":724.605,"end":728.945,"sentiment":"neutral","sentiment_score":0.14883985370397568}],"sentiment":"neutral","sentiment_score":0.16987346689431712,"num_words":52,"start":713.75,"end":728.945},{"sentences":[{"text":"But with your hub 24, with what we are seeing at the moment and you probably look at the news.","start":729.39,"end":734.35004,"sentiment":"neutral","sentiment_score":-0.013919789250940085},{"text":"You see what's happening between The US and Iran and how that's affecting things in Australia.","start":734.35004,"end":738.53,"sentiment":"neutral","sentiment_score":-0.10218965273816139},{"text":"And then you've mentioned the interest rates have been increasing heavily, and we still have very high inflation here in Australia at the moment.","start":739.23004,"end":745.55505,"sentiment":"neutral","sentiment_score":-0.12018193739155929},{"text":"So we are kinda being hit on two levels.","start":745.55505,"end":748.215,"sentiment":"neutral","sentiment_score":-0.16447390367587408},{"text":"When you sort of think about your super and hub '24, and if we saw see a dip in the next sort of one to two or even the next five years of a five or 10 or 20% dip, how's that gonna make you feel?","start":749.075,"end":761.95,"sentiment":"neutral","sentiment_score":-0.04803379483359015}],"sentiment":"neutral","sentiment_score":-0.07380536018830279,"num_words":115,"start":729.39,"end":761.95},{"sentences":[{"text":"Mhmm.","start":766.49,"end":766.99,"sentiment":"neutral","sentiment_score":-0.24152785539627075},{"text":"Yep.","start":768.65,"end":769.065,"sentiment":"neutral","sentiment_score":-0.03113897889852524},{"text":"Yep.","start":769.305,"end":769.805,"sentiment":"neutral","sentiment_score":-0.029438277706503868},{"text":"One of the things to consider is when we're looking at it the way we're invested is making sure we're taking on the level of risk we're comfortable to take on in order to get good returns, but that we're aware that taking on more risk means that in the shorter term, we can be affected more by a downturn.","start":769.865,"end":787.78,"sentiment":"neutral","sentiment_score":-0.11699869707226754},{"text":"So when you're in absolutely.","start":788.0,"end":792.66,"sentiment":"neutral","sentiment_score":-0.07709535509347916}],"sentiment":"neutral","sentiment_score":-0.11334564282065805,"num_words":68,"start":766.49,"end":792.66},{"sentences":[{"text":"Absolutely.","start":793.12,"end":793.62,"sentiment":"neutral","sentiment_score":0.2216528058052063},{"text":"And at the moment, having a look at things, so you're in a high growth portfolio, and you were happy to stay there last year, and that's absolutely fine if you are.","start":793.68,"end":800.665,"sentiment":"neutral","sentiment_score":0.32021091831848025},{"text":"But, essentially, because you are getting closer to accessing super, there is generally a point where we wanna sort of step down the risk level a little bit and start to maybe reduce our risk in smaller increments.","start":801.125,"end":812.41,"sentiment":"neutral","sentiment_score":-0.01641385348844587},{"text":"Reducing the risk level can mean reducing your returns.","start":812.79,"end":816.57,"sentiment":"neutral","sentiment_score":0.00697734124130673},{"text":"However, lower risk portfolios have times where they perform greater than high growth portfolios do, so it's really more of a preference to you.","start":816.79,"end":825.305,"sentiment":"neutral","sentiment_score":0.24804415367543697}],"sentiment":"neutral","sentiment_score":0.15250511075786422,"num_words":104,"start":793.12,"end":825.305},{"sentences":[{"text":"The high growth portfolio that you're in at the moment really suits someone who has at least eight years before they're wanting to access their super.","start":825.925,"end":833.465,"sentiment":"positive","sentiment_score":0.41886936070827335},{"text":"You see that 90% of your funds invested in growth assets.","start":833.765,"end":837.3,"sentiment":"neutral","sentiment_score":0.13094762374054303},{"text":"So think things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 10% in low risk defensive investments like cash and bonds and fixed interest debt.","start":837.3,"end":850.335,"sentiment":"neutral","sentiment_score":0.12387641221284866},{"text":"With a high growth portfolio, the likelihood of a negative return is expected one in every sort of five years.","start":851.29504,"end":857.875,"sentiment":"negative","sentiment_score":-0.34275784716010094},{"text":"So say over the next five years, staying in the same portfolio, you can expect a negative return, which can mean for a short period of time, the market takes a bit of a dip.","start":858.255,"end":868.44,"sentiment":"negative","sentiment_score":-0.34053960612842016}],"sentiment":"neutral","sentiment_score":-0.01659324008414126,"num_words":127,"start":825.925,"end":868.44},{"sentences":[{"text":"You might have a negative five or 10% return in your super.","start":868.44,"end":871.98,"sentiment":"negative","sentiment_score":-0.4143131598830223},{"text":"And then before you wanting to access it, we just need to try and hold on, wait, work a little bit longer before starting to submit those losses and take money out of your super.","start":872.12,"end":880.995,"sentiment":"negative","sentiment_score":-0.34825660075460163},{"text":"The risk of that happening when you're, say, 60, 61, 62, 63, the risk is quite high in these sorts of portfolios.","start":881.455,"end":889.075,"sentiment":"negative","sentiment_score":-0.3601985837925564},{"text":"So my sort of job today is to work out whether staying high growth is comfortable for you, whether you're happy with that risk, or whether you wanna start maybe reducing it back a little bit.","start":890.495,"end":900.93,"sentiment":"neutral","sentiment_score":0.1186088752001524},{"text":"Does that make sense?","start":900.93,"end":901.99,"sentiment":"neutral","sentiment_score":0.216981815174222}],"sentiment":"neutral","sentiment_score":-0.18300239468386414,"num_words":109,"start":868.44,"end":901.99},{"sentences":[{"text":"Well, let's go through a couple of questions just to sort of see how you're feeling, and then I can let you know sort of what it looks like to me.","start":912.785,"end":919.44,"sentiment":"neutral","sentiment_score":0.2686834055329523},{"text":"If you did over the next, say, five years, see a big 20% drop in your sofa, are you wanting to or willing to work longer to say age 65, 67, or 70 to be able to allow your portfolio to recover, or would you still wanna be stopped stopped working?","start":920.4,"end":939.995,"sentiment":"neutral","sentiment_score":-0.11885521239509769},{"text":"Mhmm.","start":947.02997,"end":947.52997,"sentiment":"neutral","sentiment_score":-0.05207941681146622},{"text":"I said it answer.","start":948.14996,"end":949.02997,"sentiment":"neutral","sentiment_score":-0.05058571882545948},{"text":"I don't blame you at all.","start":949.02997,"end":950.49,"sentiment":"neutral","sentiment_score":-0.145261878768603}],"sentiment":"neutral","sentiment_score":0.012275012630608774,"num_words":93,"start":912.785,"end":950.49},{"sentences":[{"text":"That's absolutely fine.","start":950.70996,"end":952.08997,"sentiment":"neutral","sentiment_score":0.027829923147995334},{"text":"No.","start":954.63,"end":955.13,"sentiment":"neutral","sentiment_score":-0.18857219815254211},{"text":"That's okay.","start":955.75,"end":956.47,"sentiment":"neutral","sentiment_score":-0.12765028327703476},{"text":"So a big market drop would probably, say, concern you a little bit.","start":956.47,"end":960.035,"sentiment":"neutral","sentiment_score":-0.2504063363258655},{"text":"You'd probably be wanting to call us and see what we can do or what we need to do to try and wait it out.","start":960.035,"end":965.495,"sentiment":"neutral","sentiment_score":-0.23988263845443725}],"sentiment":"neutral","sentiment_score":-0.21847116656499566,"num_words":44,"start":950.70996,"end":965.495},{"sentences":[{"text":"You'd be comfortable waiting it out, but not for a long period of time.","start":965.95496,"end":969.415,"sentiment":"neutral","sentiment_score":-0.20160107208149775},{"text":"Does that sound right?","start":969.555,"end":970.69495,"sentiment":"neutral","sentiment_score":0.01618440542370081},{"text":"Yeah.","start":970.915,"end":971.415,"sentiment":"neutral","sentiment_score":0.06551887094974518},{"text":"Yeah.","start":972.14,"end":972.38,"sentiment":"neutral","sentiment_score":0.055055033415555954},{"text":"That's okay.","start":972.38,"end":973.02,"sentiment":"neutral","sentiment_score":0.00379548454657197}],"sentiment":"neutral","sentiment_score":-0.11952329609035091,"num_words":22,"start":965.95496,"end":973.02},{"sentences":[{"text":"That's absolutely fine.","start":973.02,"end":974.48004,"sentiment":"neutral","sentiment_score":-0.1680788273612658},{"text":"No.","start":975.74,"end":976.22003,"sentiment":"neutral","sentiment_score":-0.035771772265434265},{"text":"Absolutely fine.","start":976.22003,"end":977.44,"sentiment":"neutral","sentiment_score":0.13389931619167328},{"text":"That's all good.","start":977.9,"end":979.04004,"sentiment":"neutral","sentiment_score":0.32899781068166095},{"text":"Now when we look at the expected returns that we're sorta after when it comes to markets, when you're in that kinda high growth environment, you are chasing returns.","start":979.34,"end":988.475,"sentiment":"neutral","sentiment_score":0.061552215752930475}],"sentiment":"neutral","sentiment_score":0.06578415965563372,"num_words":38,"start":973.02,"end":988.475},{"sentences":[{"text":"And this sort of portfolio is chasing returns at about 8% eight to 10% on a yearly basis.","start":988.695,"end":994.055,"sentiment":"neutral","sentiment_score":0.056958352112107806},{"text":"So this year, with a 12% return, even though one of your investments has been underperforming a little bit, you've actually exceeded that eight to 10% return, which is good.","start":994.055,"end":1003.47003,"sentiment":"neutral","sentiment_score":0.23324297641714414},{"text":"I think your portfolio has overperformed the expectation.","start":1003.47003,"end":1006.37,"sentiment":"positive","sentiment_score":0.5433027781546116},{"text":"But it also does sort of mean that if you decide to take on a little bit more risk in the market, the returns as I said before, they don't always drop.","start":1008.11005,"end":1016.945,"sentiment":"neutral","sentiment_score":-0.0727674140362069},{"text":"They can get greater returns than what is expected.","start":1016.945,"end":1019.585,"sentiment":"neutral","sentiment_score":0.03317264550262027}],"sentiment":"neutral","sentiment_score":0.10658720016633112,"num_words":97,"start":988.695,"end":1019.585},{"sentences":[{"text":"It's more just what the expectation is out of the portfolio based on past and previous performance.","start":1019.585,"end":1025.365,"sentiment":"neutral","sentiment_score":-0.028962547507356193},{"text":"If you were to sort of look at dropping down, we could even do it slower just in smaller increments, maybe 10% at a time.","start":1026.625,"end":1032.73,"sentiment":"neutral","sentiment_score":-0.11878233641386032},{"text":"So you go from high growth to growth now.","start":1032.73,"end":1035.07,"sentiment":"neutral","sentiment_score":-0.009179596685700946},{"text":"That season 80% split between those growth to defensive assets.","start":1035.37,"end":1040.11,"sentiment":"neutral","sentiment_score":0.02776486761868},{"text":"And then in a couple of years' time, we maybe take a little bit more of a step back.","start":1040.25,"end":1044.0299,"sentiment":"neutral","sentiment_score":-0.08619538400518267}],"sentiment":"neutral","sentiment_score":-0.06130752135068178,"num_words":80,"start":1019.585,"end":1044.0299},{"sentences":[{"text":"Thinking about the returns that you've got this year, the expectation around a eight to 10% return, would you be comfortable maybe reducing back by 10%, or do you want it to stay in high growth for maybe another year and see how we go?","start":1045.2949,"end":1058.115,"sentiment":"neutral","sentiment_score":-0.02782067923496167},{"text":"That's that's one of the big things that I've been noticing this year is that a lot of people come out and go, yeah.","start":1072.795,"end":1078.0751,"sentiment":"neutral","sentiment_score":-0.15991644204283753},{"text":"Cool.","start":1078.0751,"end":1078.3151,"sentiment":"positive","sentiment_score":0.48265010118484497},{"text":"I'm happy to stay high growth.","start":1078.3151,"end":1079.755,"sentiment":"positive","sentiment_score":0.6634368201096853},{"text":"I want really good returns.","start":1079.755,"end":1081.135,"sentiment":"positive","sentiment_score":0.6478848457336426}],"sentiment":"neutral","sentiment_score":0.03225642069024436,"num_words":81,"start":1045.2949,"end":1081.135},{"sentences":[{"text":"But then with what's happened this year, when you sort of look at it, the market has a very heavy drop in around about between the twenty sixth and March 28.","start":1081.1951,"end":1089.48,"sentiment":"neutral","sentiment_score":-0.32057283650482854},{"text":"We saw quite a large dip, and that's sort of taken a bit of an effect on a lot of people's portfolios.","start":1089.48,"end":1095.58,"sentiment":"negative","sentiment_score":-0.42643149197101593},{"text":"And no one knows how long this war is gonna go for.","start":1095.88,"end":1098.7799,"sentiment":"negative","sentiment_score":-0.342572171241045},{"text":"We could see another large dip coming in the future.","start":1098.84,"end":1101.74,"sentiment":"neutral","sentiment_score":-0.30192409455776215},{"text":"There's yeah.","start":1102.995,"end":1106.615,"sentiment":"neutral","sentiment_score":-0.09955044835805893}],"sentiment":"negative","sentiment_score":-0.34608387859997813,"num_words":77,"start":1081.1951,"end":1106.615},{"sentences":[{"text":"Yeah.","start":1107.475,"end":1107.975,"sentiment":"neutral","sentiment_score":-0.03242616355419159},{"text":"Yeah.","start":1111.475,"end":1111.875,"sentiment":"neutral","sentiment_score":0.017476968467235565},{"text":"That's okay.","start":1111.875,"end":1112.775,"sentiment":"neutral","sentiment_score":0.09176744520664215},{"text":"I've had a bit of a look, and with what we're sort of talking about at the moment, the way we are sort of going, you have scored in that risk profile as a growth investor.","start":1112.995,"end":1120.36,"sentiment":"neutral","sentiment_score":-0.004175910001827611},{"text":"So it does mean sort of dropping that back by that 10%.","start":1121.06,"end":1124.52,"sentiment":"neutral","sentiment_score":-0.10476348176598549}],"sentiment":"neutral","sentiment_score":-0.0238251701140633,"num_words":52,"start":1107.475,"end":1124.52},{"sentences":[{"text":"It it's, as I said, only a 10% drop in the risk value.","start":1125.14,"end":1128.5,"sentiment":"neutral","sentiment_score":-0.08048953058627936},{"text":"So you go from having 90% in those growth assets to 80%.","start":1128.5,"end":1133.035,"sentiment":"neutral","sentiment_score":0.047125148276487984},{"text":"You're still retaining quite a lot of it.","start":1133.035,"end":1134.955,"sentiment":"neutral","sentiment_score":0.027382909320294857},{"text":"It's just kinda stepping down gradually and putting a little bit of protections in place there because of the unknowns, and there's nothing wrong with doing so.","start":1134.955,"end":1142.79,"sentiment":"neutral","sentiment_score":-0.029750594938242877},{"text":"In the growth portfolio, we're still chasing returns at between seven to 9%.","start":1143.75,"end":1148.31,"sentiment":"neutral","sentiment_score":0.05737752655449395}],"sentiment":"neutral","sentiment_score":-0.004372014546103469,"num_words":73,"start":1125.14,"end":1148.31},{"sentences":[{"text":"You're still wanting a good compounded annual rate of return there.","start":1148.31,"end":1152.01,"sentiment":"positive","sentiment_score":0.3471622412854975},{"text":"You still can expect a negative return for the one in five, but it becomes a bit less likely.","start":1152.4701,"end":1157.37,"sentiment":"negative","sentiment_score":-0.40150608514484604},{"text":"And the suggested time frame for this portfolio is about six years.","start":1158.4851,"end":1162.885,"sentiment":"neutral","sentiment_score":-0.1552527230232954},{"text":"So, realistically, all going well, if it's age of 60, you said to me, hey.","start":1162.885,"end":1166.9651,"sentiment":"neutral","sentiment_score":0.005023812999327978},{"text":"I do wanna retire.","start":1166.9651,"end":1168.0851,"sentiment":"neutral","sentiment_score":-0.1706242635846138}],"sentiment":"neutral","sentiment_score":-0.10295087703671611,"num_words":61,"start":1148.31,"end":1168.0851},{"sentences":[{"text":"I wanna stop working.","start":1168.0851,"end":1169.285,"sentiment":"neutral","sentiment_score":-0.08076248690485954},{"text":"Let's make it happen.","start":1169.285,"end":1170.425,"sentiment":"neutral","sentiment_score":0.33120226860046387},{"text":"We absolutely can.","start":1170.7251,"end":1172.1051,"sentiment":"positive","sentiment_score":0.6233611702919006},{"text":"And this portfolio sort of steps you forward over the next six years to be able to do that.","start":1172.4401,"end":1177.74,"sentiment":"positive","sentiment_score":0.45767382257863093},{"text":"I would still, if you're about one to two years out, be wanting to then reduce the risk even further.","start":1178.76,"end":1184.12,"sentiment":"neutral","sentiment_score":0.06014428287744522}],"sentiment":"neutral","sentiment_score":0.25541061848402025,"num_words":50,"start":1168.0851,"end":1184.12},{"sentences":[{"text":"But for now, would you be comfortable if I just look at bringing it down a little bit?","start":1184.12,"end":1188.595,"sentiment":"neutral","sentiment_score":-0.06765200404657258},{"text":"Because you are getting closer to it.","start":1188.595,"end":1190.275,"sentiment":"neutral","sentiment_score":0.05870273496423449},{"text":"It gives you the option, and and we can sort of look at what happens.","start":1190.275,"end":1194.9349,"sentiment":"neutral","sentiment_score":0.08768748641014099},{"text":"Yeah.","start":1195.155,"end":1195.655,"sentiment":"neutral","sentiment_score":0.09040674567222597},{"text":"Beautiful.","start":1196.79,"end":1197.29,"sentiment":"positive","sentiment_score":0.4680236876010895}],"sentiment":"neutral","sentiment_score":0.025402995269922984,"num_words":42,"start":1184.12,"end":1197.29},{"sentences":[{"text":"Sorry.","start":1198.31,"end":1198.63,"sentiment":"neutral","sentiment_score":0.062128446996212006},{"text":"It's probably not a conversation you've had before.","start":1198.63,"end":1200.79,"sentiment":"neutral","sentiment_score":-0.09591776668094099},{"text":"It's something that I'm having a lot at the moment.","start":1200.79,"end":1202.7101,"sentiment":"neutral","sentiment_score":0.02913783174008131},{"text":"Just sort of talking realistic terms about where everyone scores, where everyone is invested, and what that kind of means because there's nothing wrong with wanting to reduce your risk level.","start":1202.7101,"end":1213.0751,"sentiment":"neutral","sentiment_score":0.06250354719738807},{"text":"I've got forty year olds on my book who don't wanna be in high growth anymore, so it's honestly not a problem at all.","start":1213.0751,"end":1219.335,"sentiment":"neutral","sentiment_score":-0.038714832393452525}],"sentiment":"neutral","sentiment_score":0.008035386711157657,"num_words":74,"start":1198.31,"end":1219.335},{"sentences":[{"text":"And with the military super side of things, so I'm actually quite well versed in military super.","start":1220.435,"end":1225.155,"sentiment":"neutral","sentiment_score":0.13292232725550146},{"text":"It's something I do look at quite regularly.","start":1225.155,"end":1227.12,"sentiment":"neutral","sentiment_score":0.17959636449813843},{"text":"With that, obviously, you do have the option of accessing some of that out at that age 55, but there are higher tax consequences for doing so and limitations around how much you can access and how you can access.","start":1228.14,"end":1239.76,"sentiment":"neutral","sentiment_score":-0.02980139534920454},{"text":"Are you yep.","start":1240.395,"end":1249.855,"sentiment":"neutral","sentiment_score":-0.07458433012167613},{"text":"Yep.","start":1256.0901,"end":1256.5901,"sentiment":"neutral","sentiment_score":0.13844498991966248}],"sentiment":"neutral","sentiment_score":0.03505922702775485,"num_words":69,"start":1220.435,"end":1256.5901},{"sentences":[{"text":"Yep.","start":1258.7301,"end":1259.2301,"sentiment":"neutral","sentiment_score":0.03733527287840843},{"text":"Yeah.","start":1270.045,"end":1270.285,"sentiment":"neutral","sentiment_score":0.20566631853580475},{"text":"Yeah.","start":1270.285,"end":1270.605,"sentiment":"neutral","sentiment_score":0.26242226362228394},{"text":"Absolutely.","start":1270.605,"end":1271.105,"sentiment":"positive","sentiment_score":0.398907333612442},{"text":"And because of the type of suit that it is, there are tax consequences between even when you retire, there is tax payable on the drawdown.","start":1271.805,"end":1279.345,"sentiment":"neutral","sentiment_score":0.06759646907448769}],"sentiment":"neutral","sentiment_score":0.0887279794861873,"num_words":30,"start":1258.7301,"end":1279.345},{"sentences":[{"text":"So what I've been sort of looking at doing with a lot of my older clients is looking at retaining that until the age of 60.","start":1279.485,"end":1285.8099,"sentiment":"neutral","sentiment_score":0.16239251855474252},{"text":"Because 60 is preservation age.","start":1286.19,"end":1287.87,"sentiment":"neutral","sentiment_score":0.035104145854711534},{"text":"You have a lot more control, and the tax absolutely.","start":1287.87,"end":1293.6649,"sentiment":"neutral","sentiment_score":0.11077442914247512},{"text":"Absolutely.","start":1294.125,"end":1294.625,"sentiment":"positive","sentiment_score":0.409296602010727},{"text":"From the age of 60, because the tax consequences are significantly lower and they're basically the lowest that they do get over the time of holding a military super, I can then look at looking at whether we retain military super and draw a pension down from that for the lifetime or whether we roll it in and combine it to the hub 20 four account.","start":1296.205,"end":1315.6599,"sentiment":"neutral","sentiment_score":0.181182550012388}],"sentiment":"neutral","sentiment_score":0.1654890315365736,"num_words":108,"start":1279.485,"end":1315.6599},{"sentences":[{"text":"So I've been kind of weighing up the options.","start":1315.6599,"end":1317.9199,"sentiment":"neutral","sentiment_score":-0.0697727356519964},{"text":"Yeah.","start":1318.805,"end":1319.205,"sentiment":"neutral","sentiment_score":0.0943123698234558},{"text":"Absolutely.","start":1319.205,"end":1319.705,"sentiment":"neutral","sentiment_score":0.14108894765377045},{"text":"Absolutely.","start":1320.165,"end":1320.665,"sentiment":"neutral","sentiment_score":0.1932632476091385},{"text":"It's something I've been yeah.","start":1320.885,"end":1322.725,"sentiment":"neutral","sentiment_score":0.11275295168161392}],"sentiment":"neutral","sentiment_score":0.021439688389792162,"num_words":17,"start":1315.6599,"end":1322.725},{"sentences":[{"text":"You're right.","start":1322.725,"end":1323.385,"sentiment":"neutral","sentiment_score":0.08501078188419342},{"text":"Yep.","start":1330.645,"end":1331.145,"sentiment":"neutral","sentiment_score":0.11575689911842346},{"text":"Yeah.","start":1338.9701,"end":1339.4701,"sentiment":"neutral","sentiment_score":0.0004637017846107483},{"text":"Yeah.","start":1339.53,"end":1339.8501,"sentiment":"neutral","sentiment_score":-0.006726033985614777},{"text":"No.","start":1339.8501,"end":1340.0901,"sentiment":"neutral","sentiment_score":-0.04192583262920379}],"sentiment":"neutral","sentiment_score":0.039598383009433746,"num_words":6,"start":1322.725,"end":1340.0901},{"sentences":[{"text":"That's okay.","start":1340.0901,"end":1340.91,"sentiment":"neutral","sentiment_score":-0.024646714329719543},{"text":"That's okay.","start":1341.53,"end":1342.3501,"sentiment":"neutral","sentiment_score":-0.08223027363419533},{"text":"No.","start":1349.1449,"end":1349.465,"sentiment":"neutral","sentiment_score":-0.27725428342819214},{"text":"No.","start":1349.465,"end":1349.865,"sentiment":"neutral","sentiment_score":-0.267458438873291},{"text":"Unfortunately, the taxes are still quite high.","start":1349.865,"end":1351.945,"sentiment":"negative","sentiment_score":-0.43188037616865976}],"sentiment":"neutral","sentiment_score":-0.2908945639546101,"num_words":13,"start":1340.0901,"end":1351.945},{"sentences":[{"text":"I mean, realistically, I would more than be comfortably telling you that I would wanna hold that as it is until the age of 60 if preferable.","start":1351.945,"end":1360.365,"sentiment":"neutral","sentiment_score":-0.13062662382920584},{"text":"From the age of 55, you can't take it as a lump sum.","start":1361.52,"end":1364.24,"sentiment":"neutral","sentiment_score":0.0032933645953352633},{"text":"You can only take a fortnightly pension amount, and the tax treatment currently as is at your standard marginal tax rate.","start":1364.24,"end":1370.8,"sentiment":"neutral","sentiment_score":0.006747766442242123},{"text":"So if you're still earning an income and you're on a higher tax rate because of your income, the the employer benefit in there is an untapped element.","start":1370.8,"end":1379.865,"sentiment":"neutral","sentiment_score":0.04051230801269412},{"text":"So they charge tax at your marginal tax rate, which reduces how much you could get.","start":1380.005,"end":1385.525,"sentiment":"neutral","sentiment_score":0.07703642686828971}],"sentiment":"neutral","sentiment_score":-0.009290233848705177,"num_words":105,"start":1351.945,"end":1385.525},{"sentences":[{"text":"If you were to hold off to the age of 60 and draw a pension there, they essentially give you an offset.","start":1385.525,"end":1391.0701,"sentiment":"neutral","sentiment_score":0.07009612701155922},{"text":"So it's a much lower amount, and even taking your lump sum's available at that point.","start":1391.0701,"end":1396.2101,"sentiment":"neutral","sentiment_score":0.11781818466261029},{"text":"And what I've been doing with a lot of hold off yeah.","start":1396.75,"end":1400.6901,"sentiment":"neutral","sentiment_score":-0.01906603667885065},{"text":"Yeah.","start":1403.455,"end":1403.955,"sentiment":"neutral","sentiment_score":-0.012426290661096571},{"text":"Much later.","start":1407.695,"end":1408.495,"sentiment":"neutral","sentiment_score":-0.005246003624051809}],"sentiment":"neutral","sentiment_score":0.05991500020378603,"num_words":53,"start":1385.525,"end":1408.495},{"sentences":[{"text":"Yeah.","start":1408.495,"end":1408.975,"sentiment":"neutral","sentiment_score":0.14532840251922607},{"text":"Perfect.","start":1408.975,"end":1409.475,"sentiment":"positive","sentiment_score":0.43455660343170166},{"text":"Perfect.","start":1409.535,"end":1410.015,"sentiment":"positive","sentiment_score":0.4724934995174408},{"text":"And even if 60 is worth, I'll do the research then for you again just to sort of see what the options are and what the best option is and provide the financial advice for you on whether we retain, whether we move it, what happens.","start":1410.015,"end":1421.6001,"sentiment":"neutral","sentiment_score":0.1719777938788352},{"text":"It all just comes down to a lot of your goals as well, but it is something that we can touch on moving forward as often as you need to.","start":1421.6001,"end":1427.52,"sentiment":"neutral","sentiment_score":0.21942500323057174}],"sentiment":"neutral","sentiment_score":0.19678616608622707,"num_words":79,"start":1408.495,"end":1427.52},{"sentences":[{"text":"Okay?","start":1427.52,"end":1428.02,"sentiment":"neutral","sentiment_score":0.06344322860240936},{"text":"Beautiful.","start":1429.245,"end":1429.745,"sentiment":"positive","sentiment_score":0.5206406712532043},{"text":"And my team members have come back.","start":1429.965,"end":1431.405,"sentiment":"neutral","sentiment_score":0.03913014488560813},{"text":"They're still on hold with military super.","start":1431.405,"end":1433.085,"sentiment":"neutral","sentiment_score":-0.1251789586884635},{"text":"They're still having some issues.","start":1433.085,"end":1434.445,"sentiment":"neutral","sentiment_score":-0.1511799156665802}],"sentiment":"neutral","sentiment_score":-0.03686463690939404,"num_words":21,"start":1427.52,"end":1434.445},{"sentences":[{"text":"So after the call, I will send you an annual review pack.","start":1434.445,"end":1437.5651,"sentiment":"neutral","sentiment_score":0.04228034118811289},{"text":"I'll have an updated balance in there for you.","start":1437.5651,"end":1440.205,"sentiment":"neutral","sentiment_score":0.07877177082830006},{"text":"Okay?","start":1440.205,"end":1440.705,"sentiment":"neutral","sentiment_score":0.040669169276952744},{"text":"Excellent.","start":1441.725,"end":1442.225,"sentiment":"neutral","sentiment_score":0.2327100932598114},{"text":"Alright.","start":1443.005,"end":1443.505,"sentiment":"neutral","sentiment_score":0.014119080267846584}],"sentiment":"neutral","sentiment_score":0.06265868227152775,"num_words":24,"start":1434.445,"end":1443.505},{"sentences":[{"text":"We had $3.80 last year, so there's definitely gonna be more than that.","start":1447.76,"end":1451.68,"sentiment":"neutral","sentiment_score":-0.04624489494241201},{"text":"Yeah.","start":1451.68,"end":1452.18,"sentiment":"neutral","sentiment_score":0.010414404794573784},{"text":"Yeah.","start":1454.4801,"end":1454.9801,"sentiment":"neutral","sentiment_score":0.008471348322927952},{"text":"Yeah.","start":1456.575,"end":1456.815,"sentiment":"neutral","sentiment_score":0.12434276938438416},{"text":"Absolutely.","start":1456.815,"end":1457.135,"sentiment":"neutral","sentiment_score":0.20566503703594208}],"sentiment":"neutral","sentiment_score":-0.014840592630207539,"num_words":17,"start":1447.76,"end":1457.135},{"sentences":[{"text":"No.","start":1457.135,"end":1457.2949,"sentiment":"neutral","sentiment_score":0.1440495252609253},{"text":"Not a problem at all.","start":1457.2949,"end":1458.1749,"sentiment":"neutral","sentiment_score":0.17001884430646896},{"text":"I'll make sure we have that document updated in there for you to review when the email comes through shortly.","start":1458.1749,"end":1462.9149,"sentiment":"neutral","sentiment_score":0.11325705237686634},{"text":"So I'll go back just to kinda recap.","start":1463.615,"end":1465.455,"sentiment":"neutral","sentiment_score":0.08692760672420263},{"text":"We'll look at reducing your risk profile just a little bit there.","start":1465.455,"end":1468.6749,"sentiment":"neutral","sentiment_score":0.15158909124632677}],"sentiment":"neutral","sentiment_score":0.1255168422408726,"num_words":46,"start":1457.135,"end":1468.6749},{"sentences":[{"text":"I'll look at removing the underlying investment that's underperforming and replace it with something a bit more low cost for you that has been performing a bit better and try to diversify your portfolio as much as possible.","start":1468.8949,"end":1480.0901,"sentiment":"neutral","sentiment_score":0.20577458211367852},{"text":"Does that sound okay for you, Matthew?","start":1480.15,"end":1482.01,"sentiment":"neutral","sentiment_score":0.14710543943302973},{"text":"Yep.","start":1484.15,"end":1484.55,"sentiment":"positive","sentiment_score":0.35799819231033325},{"text":"Fantastic.","start":1484.55,"end":1485.05,"sentiment":"positive","sentiment_score":0.7698290348052979},{"text":"Excellent.","start":1485.43,"end":1485.93,"sentiment":"positive","sentiment_score":0.6977604031562805}],"sentiment":"neutral","sentiment_score":0.2223908297213105,"num_words":48,"start":1468.8949,"end":1485.93},{"sentences":[{"text":"Now the other thing to sort of just touch base on is the insurance side of things.","start":1486.525,"end":1489.885,"sentiment":"neutral","sentiment_score":0.08795510276275523},{"text":"So you don't have any life or TPD.","start":1489.885,"end":1491.825,"sentiment":"neutral","sentiment_score":-0.014859186951071024},{"text":"I know last year that was sort of touched on you were comfortable with that.","start":1492.045,"end":1495.425,"sentiment":"neutral","sentiment_score":0.01073638362189134},{"text":"In the event of passing, your super is paid out.","start":1495.965,"end":1499.645,"sentiment":"neutral","sentiment_score":0.02568829208612442},{"text":"The military super also does get paid out to your beneficiaries there.","start":1499.645,"end":1503.55,"sentiment":"neutral","sentiment_score":0.046008405896524586}],"sentiment":"neutral","sentiment_score":0.03784504511784161,"num_words":62,"start":1486.525,"end":1503.55},{"sentences":[{"text":"I have your beneficiaries noted down here with the three of them.","start":1504.0901,"end":1507.53,"sentiment":"neutral","sentiment_score":0.04563561920076609},{"text":"So we've got sorry.","start":1507.53,"end":1509.7101,"sentiment":"neutral","sentiment_score":0.007246372988447547},{"text":"Here it is.","start":1510.01,"end":1510.99,"sentiment":"neutral","sentiment_score":0.014214754104614258},{"text":"I do.","start":1513.77,"end":1514.25,"sentiment":"neutral","sentiment_score":0.03110671229660511},{"text":"Yes.","start":1514.25,"end":1514.625,"sentiment":"neutral","sentiment_score":0.027072390541434288}],"sentiment":"neutral","sentiment_score":0.03220649999143048,"num_words":22,"start":1504.0901,"end":1514.625},{"sentences":[{"text":"Marie is noted as other dependent.","start":1515.025,"end":1517.045,"sentiment":"neutral","sentiment_score":0.0182869965210557},{"text":"Who's Marie to you?","start":1517.345,"end":1518.465,"sentiment":"neutral","sentiment_score":0.0013996426714584231},{"text":"What's the relationship?","start":1518.465,"end":1519.685,"sentiment":"neutral","sentiment_score":-0.0042149575892835855},{"text":"Okay.","start":1520.865,"end":1521.365,"sentiment":"neutral","sentiment_score":0.0018924586474895475},{"text":"Has anyone kinda gone through the legislative requirements around what beneficiaries are and who can be nominated?","start":1521.505,"end":1527.925,"sentiment":"neutral","sentiment_score":-0.00922468425158192}],"sentiment":"neutral","sentiment_score":-0.0016855321479059995,"num_words":31,"start":1515.025,"end":1527.925},{"sentences":[{"text":"Okay.","start":1539.24,"end":1539.72,"sentiment":"neutral","sentiment_score":0.006023996509611607},{"text":"So with the beneficiaries inside Super, in order to be a beneficiary, essentially, it has to fit a certain criteria.","start":1539.72,"end":1548.4249,"sentiment":"neutral","sentiment_score":0.023389190901070833},{"text":"It can only be nominated as your spouse, your children, or someone who is a financial dependent on you, someone who relies on you for financial support to pay their day to day bills and for financial support, essentially.","start":1548.565,"end":1561.06,"sentiment":"neutral","sentiment_score":0.02501466925232074},{"text":"So your children absolutely.","start":1561.52,"end":1570.5801,"sentiment":"neutral","sentiment_score":-0.02774425968527794},{"text":"And it all comes down to the tax consequences, essentially.","start":1570.64,"end":1573.28,"sentiment":"neutral","sentiment_score":-0.041158434376120566}],"sentiment":"neutral","sentiment_score":0.01252457476850297,"num_words":74,"start":1539.24,"end":1573.28},{"sentences":[{"text":"So under the legislation, they have these rules where you can only leave it to certain people.","start":1573.28,"end":1577.335,"sentiment":"neutral","sentiment_score":-0.08431652867618729},{"text":"Whilst you've got Marie on there as a dependent, which is fine, it does come down to it's sitting there at the moment.","start":1578.035,"end":1584.355,"sentiment":"neutral","sentiment_score":-0.047944420624686325},{"text":"If she does if you were to pass away and she was to go on claim, your two children would have no problem.","start":1584.355,"end":1589.9401,"sentiment":"neutral","sentiment_score":0.03209596823738969},{"text":"They would be able to claim.","start":1589.9401,"end":1591.3201,"sentiment":"neutral","sentiment_score":0.23735637466112772},{"text":"However, the trustee would come back and tell her her nomination is invalid, and the portion that she was to be able to claim would go through and be put through in test date, and that would make it very difficult for her.","start":1591.9401,"end":1604.405,"sentiment":"negative","sentiment_score":-0.5291790775088376}],"sentiment":"neutral","sentiment_score":-0.2065040846188952,"num_words":112,"start":1573.28,"end":1604.405},{"sentences":[{"text":"So to make it easier yes.","start":1604.625,"end":1607.765,"sentiment":"neutral","sentiment_score":-0.07464499895771344},{"text":"No.","start":1613.745,"end":1614.065,"sentiment":"neutral","sentiment_score":-0.23161104321479797},{"text":"It's definitely fine.","start":1614.065,"end":1615.105,"sentiment":"neutral","sentiment_score":-0.19264274090528488},{"text":"It's it's frustrating.","start":1615.105,"end":1616.085,"sentiment":"negative","sentiment_score":-0.6754342317581177},{"text":"Yeah.","start":1616.865,"end":1617.365,"sentiment":"neutral","sentiment_score":-0.12494007498025894}],"sentiment":"neutral","sentiment_score":-0.2434751449951104,"num_words":14,"start":1604.625,"end":1617.365},{"sentences":[{"text":"No.","start":1617.72,"end":1617.96,"sentiment":"neutral","sentiment_score":-0.0898732990026474},{"text":"It is.","start":1617.96,"end":1622.22,"sentiment":"neutral","sentiment_score":-0.10713989473879337},{"text":"Mhmm.","start":1624.84,"end":1625.09,"sentiment":"neutral","sentiment_score":-0.09338366985321044},{"text":"Yep.","start":1625.09,"end":1625.59,"sentiment":"neutral","sentiment_score":-0.07616190612316132},{"text":"No.","start":1646.16,"end":1646.4,"sentiment":"neutral","sentiment_score":-0.17313340306282043}],"sentiment":"neutral","sentiment_score":-0.10780534458657105,"num_words":6,"start":1617.72,"end":1646.4},{"sentences":[{"text":"That's okay.","start":1646.4,"end":1646.9601,"sentiment":"neutral","sentiment_score":-0.06826757825911045},{"text":"So that's why I wanted to bring this up with you so at least we can have the conversation because there is a way around it.","start":1646.9601,"end":1652.1001,"sentiment":"neutral","sentiment_score":0.02089732548651787},{"text":"You've mentioned that she is your power of attorney.","start":1652.4801,"end":1655.4401,"sentiment":"neutral","sentiment_score":0.015843280280629795},{"text":"So do you have a will drawn up as well?","start":1655.4401,"end":1657.7001,"sentiment":"neutral","sentiment_score":0.02082164231687784},{"text":"Yeah.","start":1658.9651,"end":1659.285,"sentiment":"neutral","sentiment_score":0.19279369711875916}],"sentiment":"neutral","sentiment_score":0.01979989476967603,"num_words":48,"start":1646.4,"end":1659.285},{"sentences":[{"text":"Perfect.","start":1659.285,"end":1659.765,"sentiment":"positive","sentiment_score":0.3619478940963745},{"text":"So the easiest way to get around this and, look, your children are completely fine to stay on there if you would like them to be.","start":1659.765,"end":1666.745,"sentiment":"neutral","sentiment_score":0.1624423205279387},{"text":"Children, if they are nontax dependent, do pay tax on receiving a death benefit.","start":1667.045,"end":1672.1051,"sentiment":"neutral","sentiment_score":-0.0937574567007167},{"text":"It's really silly.","start":1672.63,"end":1673.59,"sentiment":"negative","sentiment_score":-0.6282729705174764},{"text":"I don't think children should pay tax, but it's all part of the tax legislation in regards to super and insurance benefits.","start":1673.59,"end":1680.1699,"sentiment":"neutral","sentiment_score":-0.19367645037445155}],"sentiment":"neutral","sentiment_score":-0.043528136148145706,"num_words":66,"start":1659.285,"end":1680.1699},{"sentences":[{"text":"So you've got essentially one of two ways that we can look to do this, and I'm more than happy to help you to pre pre fill the form if you would like to.","start":1680.7899,"end":1687.685,"sentiment":"neutral","sentiment_score":0.24181079207097783},{"text":"If you can leave both of your children to receive the 45% that they are now, and then the other 10% we can have nominated to your legal personal representative, which means that 10% goes from your super into your will.","start":1687.685,"end":1702.105,"sentiment":"neutral","sentiment_score":0.11911676342530948},{"text":"Yeah.","start":1706.28,"end":1706.52,"sentiment":"neutral","sentiment_score":0.06614109873771667},{"text":"But in their way of super, legal personal representative means estate.","start":1706.52,"end":1710.3,"sentiment":"neutral","sentiment_score":0.05456312593411316},{"text":"So it would go into your will, and then you can have that 10% paid out to your sister through your estate.","start":1710.36,"end":1716.14,"sentiment":"neutral","sentiment_score":0.09790191765535962}],"sentiment":"neutral","sentiment_score":0.14610579727781475,"num_words":109,"start":1680.7899,"end":1716.14},{"sentences":[{"text":"The other side or the other option is you can have the whole super benefit paid to your will through legal personal representing.","start":1716.615,"end":1724.235,"sentiment":"neutral","sentiment_score":0.12291738390922546},{"text":"So that with a 100%, this goes into your estate.","start":1724.295,"end":1727.115,"sentiment":"neutral","sentiment_score":0.19399234801530837},{"text":"And then through your will, you can nominate whatever percentage you want to, whoever you want.","start":1727.335,"end":1733.17,"sentiment":"neutral","sentiment_score":0.1854267017915845},{"text":"There's no restrictions that way.","start":1733.17,"end":1734.9501,"sentiment":"neutral","sentiment_score":0.10667279511690139},{"text":"Yep.","start":1737.49,"end":1737.99,"sentiment":"neutral","sentiment_score":0.11701270192861556}],"sentiment":"neutral","sentiment_score":0.15244049484079533,"num_words":55,"start":1716.615,"end":1737.99},{"sentences":[{"text":"So did you want me?","start":1738.13,"end":1739.67,"sentiment":"neutral","sentiment_score":0.039623994007706644},{"text":"Yep.","start":1743.8251,"end":1744.3251,"sentiment":"neutral","sentiment_score":0.06071813032031059},{"text":"So if if you're doing it that way in your will and that's already pre stated, it's probably better to just do a 100% of your beneficiary nomination in your super to your estate.","start":1745.505,"end":1754.33,"sentiment":"neutral","sentiment_score":0.1317000248852898},{"text":"So everything goes to your will.","start":1754.33,"end":1756.65,"sentiment":"neutral","sentiment_score":0.14013860374689102},{"text":"It all gets lumped together and then paid out 45 percent each of your children and 10% to to your sister.","start":1756.65,"end":1762.67,"sentiment":"neutral","sentiment_score":0.13268631058079855}],"sentiment":"neutral","sentiment_score":0.12483407598711661,"num_words":67,"start":1738.13,"end":1762.67},{"sentences":[{"text":"That would probably, honestly, be the easiest way.","start":1763.05,"end":1765.47,"sentiment":"neutral","sentiment_score":0.26857941411435604},{"text":"Yep.","start":1768.9349,"end":1769.4349,"sentiment":"neutral","sentiment_score":-0.03677808493375778},{"text":"Yep.","start":1775.095,"end":1775.575,"sentiment":"neutral","sentiment_score":0.05775299668312073},{"text":"Yeah.","start":1775.575,"end":1775.815,"sentiment":"neutral","sentiment_score":0.09888651967048644},{"text":"That's okay.","start":1775.815,"end":1776.635,"sentiment":"neutral","sentiment_score":0.1690821647644043}],"sentiment":"neutral","sentiment_score":0.20051239029719278,"num_words":13,"start":1763.05,"end":1776.635},{"sentences":[{"text":"No.","start":1778.7749,"end":1778.9349,"sentiment":"neutral","sentiment_score":-0.012208901345729828},{"text":"That's absolutely fine.","start":1778.9349,"end":1780.235,"sentiment":"neutral","sentiment_score":0.10265826682249705},{"text":"Yep.","start":1782.92,"end":1783.16,"sentiment":"neutral","sentiment_score":0.10491715371608734},{"text":"No.","start":1783.16,"end":1783.4,"sentiment":"neutral","sentiment_score":0.09118594229221344},{"text":"That's absolutely fine.","start":1783.4,"end":1784.86,"sentiment":"neutral","sentiment_score":0.30105982224146527}],"sentiment":"neutral","sentiment_score":0.15500538465049532,"num_words":9,"start":1778.7749,"end":1784.86},{"sentences":[{"text":"It's not a problem at all.","start":1784.92,"end":1786.2,"sentiment":"positive","sentiment_score":0.4129855881134669},{"text":"It's more just making sure that you're aware that like, if this was to stay the way it was and you were to pass away next week, your children would come and make a claim and that would be fine.","start":1786.2,"end":1796.14,"sentiment":"neutral","sentiment_score":0.02974524162709713},{"text":"But when your sister tried to make a claim, the trustee would come back and tell her that the claim isn't viable.","start":1796.205,"end":1801.565,"sentiment":"neutral","sentiment_score":-0.23430618880824608},{"text":"They're not gonna pay the money, and that would make her life really, really difficult.","start":1801.565,"end":1805.505,"sentiment":"negative","sentiment_score":-0.4461686074733734},{"text":"So doing it this way can make things a lot easier.","start":1805.565,"end":1809.1649,"sentiment":"positive","sentiment_score":0.5797985900532115}],"sentiment":"neutral","sentiment_score":-0.019167633846085122,"num_words":94,"start":1784.92,"end":1809.1649},{"sentences":[{"text":"You've already got your will set up, which is great.","start":1809.1649,"end":1811.585,"sentiment":"positive","sentiment_score":0.6895866572856904},{"text":"You've got everything nominated in your will the exact same.","start":1812.4701,"end":1815.93,"sentiment":"positive","sentiment_score":0.5455927163362503},{"text":"So we can just set if you're comfortable with me, I can get my team to prefill a beneficiary nomination for you.","start":1816.63,"end":1823.13,"sentiment":"positive","sentiment_score":0.33545671945268457},{"text":"We can post out.","start":1823.43,"end":1824.885,"sentiment":"neutral","sentiment_score":0.222782701253891},{"text":"You just need to get it signed and witnessed.","start":1824.885,"end":1826.9384,"sentiment":"neutral","sentiment_score":0.15313083430131277}],"sentiment":"positive","sentiment_score":0.4000209068710154,"num_words":55,"start":1809.1649,"end":1826.9384},{"sentences":[{"text":"The witness can't be the people that you're wanting to have paid.","start":1826.9384,"end":1830.085,"sentiment":"neutral","sentiment_score":-0.018339764326810837},{"text":"So Marie, Hannah, and Emma can't be the witnesses.","start":1830.085,"end":1833.285,"sentiment":"neutral","sentiment_score":-0.00512047272382511},{"text":"If you got some two other people who can just sign it with you when you're signing it, then send it back to us, and we can have that applied.","start":1833.285,"end":1840.13,"sentiment":"neutral","sentiment_score":0.09325185026973486},{"text":"That way, if anything happens next week, you're super everything just goes directly to your estate through your will, and then it all just gets paid out.","start":1840.13,"end":1848.77,"sentiment":"neutral","sentiment_score":0.27324637549894826},{"text":"It all gets lumped together and paid out to your beneficiaries that way.","start":1848.77,"end":1852.2101,"sentiment":"neutral","sentiment_score":0.27601865048591906}],"sentiment":"neutral","sentiment_score":0.14832185358730154,"num_words":91,"start":1826.9384,"end":1852.2101},{"sentences":[{"text":"Does that make sense?","start":1852.2101,"end":1853.145,"sentiment":"neutral","sentiment_score":0.16806376725435257},{"text":"Perfect.","start":1855.465,"end":1855.9451,"sentiment":"positive","sentiment_score":0.6240715980529785},{"text":"It's a much easier way for you to to deal with it, and it also means that there's less likely of a chance that, you know, your sister's gonna have any problems with the claim or get rejected with the claim at the same time.","start":1855.9451,"end":1868.73,"sentiment":"positive","sentiment_score":0.40974858701229094},{"text":"Okay.","start":1868.97,"end":1869.47,"sentiment":"neutral","sentiment_score":0.1846461445093155},{"text":"Yep.","start":1870.09,"end":1870.59,"sentiment":"neutral","sentiment_score":0.21833693981170657}],"sentiment":"positive","sentiment_score":0.38726915705662507,"num_words":52,"start":1852.2101,"end":1870.59},{"sentences":[{"text":"Perfect.","start":1870.73,"end":1871.23,"sentiment":"positive","sentiment_score":0.4482759833335877},{"text":"Now you do have it as a binding non lapsing nomination.","start":1871.77,"end":1874.6699,"sentiment":"neutral","sentiment_score":0.27450661632147705},{"text":"It is a good way to have it because binding non lapsing means that you never have to fill another nomination document as long as it is filled out correctly and it reflects your wishes.","start":1874.8099,"end":1884.59,"sentiment":"neutral","sentiment_score":0.3291225378002439},{"text":"Are you happy with us ticking the binding non lapsing box and pre filling the form for you?","start":1884.915,"end":1890.295,"sentiment":"neutral","sentiment_score":0.1542305333746804},{"text":"Yep.","start":1890.435,"end":1890.935,"sentiment":"neutral","sentiment_score":0.16049101948738098}],"sentiment":"neutral","sentiment_score":0.27157239706227276,"num_words":66,"start":1870.73,"end":1890.935},{"sentences":[{"text":"Beautiful.","start":1891.3151,"end":1891.795,"sentiment":"positive","sentiment_score":0.4322550892829895},{"text":"And did you want us to post that to your email?","start":1891.795,"end":1894.3551,"sentiment":"neutral","sentiment_score":0.1654205552556298},{"text":"What's easier for yourself?","start":1894.3551,"end":1895.8151,"sentiment":"neutral","sentiment_score":0.22454944625496864},{"text":"Yep.","start":1899.53,"end":1900.01,"sentiment":"neutral","sentiment_score":0.1051323413848877},{"text":"Absolutely.","start":1900.01,"end":1900.51,"sentiment":"neutral","sentiment_score":0.16629865765571594}],"sentiment":"neutral","sentiment_score":0.19008388784196642,"num_words":18,"start":1891.3151,"end":1900.51},{"sentences":[{"text":"Not a problem.","start":1900.89,"end":1901.61,"sentiment":"neutral","sentiment_score":0.04471271112561226},{"text":"I am really sorry.","start":1901.61,"end":1902.65,"sentiment":"neutral","sentiment_score":-0.20219614170491695},{"text":"It's not not great to have to go through that, and I I'm terribly sorry no one's kinda pulled this up in the past about those nominations, but I do try to make sure that you're aware.","start":1902.65,"end":1912.755,"sentiment":"neutral","sentiment_score":-0.20568678034721194},{"text":"Because as you said, if something happens next week, the last thing you want is your sister having to go to the rigmarole and being rejected and everything else there.","start":1912.755,"end":1920.9149,"sentiment":"neutral","sentiment_score":-0.19634381520251434},{"text":"So it's a difficult time.","start":1920.9149,"end":1922.9349,"sentiment":"neutral","sentiment_score":-0.01915599051862955}],"sentiment":"neutral","sentiment_score":-0.18064749006276268,"num_words":79,"start":1900.89,"end":1922.9349},{"sentences":[{"text":"Yeah.","start":1923.235,"end":1923.735,"sentiment":"neutral","sentiment_score":-0.004930492490530014},{"text":"No.","start":1925.07,"end":1925.5499,"sentiment":"neutral","sentiment_score":-0.1089976653456688},{"text":"Correct.","start":1925.5499,"end":1926.0499,"sentiment":"neutral","sentiment_score":0.10353893041610718},{"text":"Absolutely.","start":1926.4299,"end":1926.9299,"sentiment":"positive","sentiment_score":0.4147145748138428},{"text":"I'll take care of that one for you then, Matthew.","start":1927.3099,"end":1929.5499,"sentiment":"positive","sentiment_score":0.3995268702507019}],"sentiment":"neutral","sentiment_score":0.314256717850055,"num_words":14,"start":1923.235,"end":1929.5499},{"sentences":[{"text":"It's not a problem at all.","start":1929.5499,"end":1930.75,"sentiment":"positive","sentiment_score":0.4306930402914683},{"text":"Okay?","start":1930.75,"end":1931.25,"sentiment":"neutral","sentiment_score":0.25554296374320984},{"text":"Beautiful.","start":1931.47,"end":1931.97,"sentiment":"positive","sentiment_score":0.6265368461608887},{"text":"That's alright.","start":1932.11,"end":1932.9299,"sentiment":"neutral","sentiment_score":0.20803257822990417},{"text":"Other things to just kinda check on here, income wise, I had you earning about a 120,000 per annum.","start":1933.71,"end":1938.99,"sentiment":"neutral","sentiment_score":0.07046218863443325}],"sentiment":"neutral","sentiment_score":0.1800374066264465,"num_words":29,"start":1929.5499,"end":1938.99},{"sentences":[{"text":"Have you been lucky enough to get a pay rise recently?","start":1938.99,"end":1949.145,"sentiment":"neutral","sentiment_score":0.0627096410502087},{"text":"130,000?","start":1949.145,"end":1950.425,"sentiment":"neutral","sentiment_score":0.02125128358602524},{"text":"Fantastic.","start":1950.425,"end":1950.925,"sentiment":"positive","sentiment_score":0.5229537487030029},{"text":"Excellent.","start":1951.545,"end":1952.045,"sentiment":"positive","sentiment_score":0.5045014023780823},{"text":"Yep.","start":1955.13,"end":1955.63,"sentiment":"neutral","sentiment_score":0.05987938493490219}],"sentiment":"neutral","sentiment_score":0.11989279141028722,"num_words":15,"start":1938.99,"end":1955.63},{"sentences":[{"text":"That's 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you sort of sort of work week on week off.","start":1990.37,"end":1992.45,"sentiment":"neutral","sentiment_score":0.05760990083217621}],"sentiment":"neutral","sentiment_score":0.10900856405496598,"num_words":15,"start":1986.69,"end":1992.45},{"sentences":[{"text":"Is that how that works?","start":1992.45,"end":1993.6699,"sentiment":"neutral","sentiment_score":0.0757933422923088},{"text":"Like, on-site?","start":1994.155,"end":1994.975,"sentiment":"neutral","sentiment_score":0.04482751153409481},{"text":"Yep.","start":1995.275,"end":1995.755,"sentiment":"neutral","sentiment_score":0.04947703331708908},{"text":"Okay.","start":1995.755,"end":1996.255,"sentiment":"neutral","sentiment_score":0.0639389231801033},{"text":"Yeah.","start":1997.4349,"end":1997.9349,"sentiment":"neutral","sentiment_score":0.07610922306776047}],"sentiment":"neutral","sentiment_score":0.06581469140946865,"num_words":10,"start":1992.45,"end":1997.9349},{"sentences":[{"text":"Wow.","start":2001.515,"end":2001.915,"sentiment":"neutral","sentiment_score":0.19479478895664215},{"text":"Well, at least you get a bit of downtime in between.","start":2001.915,"end":2004.075,"sentiment":"neutral","sentiment_score":0.17004137553951956},{"text":"And, I mean, at the moment, the downtime doesn't feel like downtime because you're renovating as well, but, hopefully, you enjoy some downtime.","start":2004.075,"end":2010.46,"sentiment":"neutral","sentiment_score":-0.021945266134065132},{"text":"That's it.","start":2011.56,"end":2012.3,"sentiment":"neutral","sentiment_score":0.026685388758778572},{"text":"Yeah.","start":2021.655,"end":2022.155,"sentiment":"neutral","sentiment_score":0.010917264968156816}],"sentiment":"neutral","sentiment_score":0.04275781161298877,"num_words":38,"start":2001.515,"end":2022.155},{"sentences":[{"text":"That's that's okay.","start":2022.935,"end":2025.035,"sentiment":"neutral","sentiment_score":0.11150850852330525},{"text":"I also just need to update your next of kin on file.","start":2026.215,"end":2028.935,"sentiment":"neutral","sentiment_score":0.022433142953862745},{"text":"It looks like I don't have a next of kin.","start":2028.935,"end":2030.855,"sentiment":"neutral","sentiment_score":-0.06926672719419003},{"text":"Who would you wanna nominate as your next of 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right.","start":2044.46,"end":2045.2,"sentiment":"neutral","sentiment_score":0.024635035544633865}],"sentiment":"neutral","sentiment_score":0.05432243241618077,"num_words":18,"start":2036.7799,"end":2045.2},{"sentences":[{"text":"Yep.","start":2067.77,"end":2068.27,"sentiment":"neutral","sentiment_score":0.012789400294423103},{"text":"Yep.","start":2068.49,"end":2068.99,"sentiment":"neutral","sentiment_score":0.012882448732852936},{"text":"534.","start":2071.29,"end":2072.17,"sentiment":"neutral","sentiment_score":0.027920348569750782},{"text":"Fantastic.","start":2072.17,"end":2072.67,"sentiment":"positive","sentiment_score":0.5483872294425964},{"text":"Thank you for that.","start":2072.97,"end":2073.93,"sentiment":"positive","sentiment_score":0.7013031840324402}],"sentiment":"positive","sentiment_score":0.425899020396173,"num_words":8,"start":2067.77,"end":2073.93},{"sentences":[{"text":"Appreciate it.","start":2073.93,"end":2074.99,"sentiment":"positive","sentiment_score":0.6232178807258606},{"text":"I think when we kinda got on to the beneficiary side of things, we're talking about the life cover.","start":2075.9849,"end":2080.625,"sentiment":"neutral","sentiment_score":0.01450302346462482},{"text":"So, realistically, not having any life cover at the moment means that your super benefit is paid out.","start":2080.625,"end":2086.065,"sentiment":"neutral","sentiment_score":-0.08585050163997544},{"text":"It's the military super and you have 24, which, given the current balance at the moment, is a bit over 560,000 plus however much more than military super is boosted for.","start":2086.065,"end":2096.62,"sentiment":"neutral","sentiment_score":-0.01833390829063231},{"text":"That would realistically cover your mortgage, you know, pay out the debts there and then be provided to your family as additional.","start":2097.08,"end":2104.465,"sentiment":"neutral","sentiment_score":-0.008830029686743563}],"sentiment":"neutral","sentiment_score":-0.008542691656064404,"num_words":92,"start":2073.93,"end":2104.465},{"sentences":[{"text":"Are you fairly comfortable with that level of cover if you were to pass away and what that would cover?","start":2104.465,"end":2109.605,"sentiment":"neutral","sentiment_score":-0.10567071102559566},{"text":"Yep.","start":2115.5999,"end":2115.8398,"sentiment":"neutral","sentiment_score":-0.014652770012617111},{"text":"That's okay.","start":2115.8398,"end":2116.66,"sentiment":"neutral","sentiment_score":-0.006321290507912636},{"text":"And, TB, like, you don't have any sort of permanent disability cover.","start":2117.2,"end":2120.48,"sentiment":"neutral","sentiment_score":-0.1576401280860106},{"text":"Obviously, in your fifties, that sort of insurance does become more expensive.","start":2120.48,"end":2124.0999,"sentiment":"neutral","sentiment_score":-0.24062474071979523}],"sentiment":"neutral","sentiment_score":-0.14723165951510694,"num_words":47,"start":2104.465,"end":2124.0999},{"sentences":[{"text":"And if you were to be totally permanently disabled, never able to go back to work again, we can claim that against your super to have releasing there.","start":2124.24,"end":2132.4148,"sentiment":"neutral","sentiment_score":-0.18734587090356009},{"text":"Are you comfortable just not looking at having any new cover?","start":2132.9548,"end":2136.075,"sentiment":"neutral","sentiment_score":-0.19185956906188617},{"text":"You're happy with the the income protection that you've got?","start":2136.075,"end":2138.555,"sentiment":"neutral","sentiment_score":-0.0013282205909490585},{"text":"Or yep.","start":2138.555,"end":2141.6602,"sentiment":"neutral","sentiment_score":0.009282384999096394},{"text":"Yep.","start":2141.6602,"end":2141.9802,"sentiment":"neutral","sentiment_score":-0.004254770930856466}],"sentiment":"neutral","sentiment_score":-0.14144445868889585,"num_words":52,"start":2124.24,"end":2141.9802},{"sentences":[{"text":"That's okay.","start":2141.9802,"end":2142.8,"sentiment":"positive","sentiment_score":0.461145356297493},{"text":"With the income protection that you do have at the moment, it does pay out a monthly benefit in the event of short term disability.","start":2143.4202,"end":2150.0,"sentiment":"neutral","sentiment_score":0.1874198105931282},{"text":"6,215 is the cover amount.","start":2150.9402,"end":2153.82,"sentiment":"neutral","sentiment_score":0.07826309949159622},{"text":"That's a pretax benefit.","start":2153.82,"end":2155.1802,"sentiment":"neutral","sentiment_score":0.1380644030869007},{"text":"So say if you were to get, I'm estimating about, say, $5,600 on a monthly basis, in the shorter term for income protection, would that kinda cover your expenses?","start":2155.1802,"end":2167.875,"sentiment":"neutral","sentiment_score":0.0880148097358901}],"sentiment":"neutral","sentiment_score":0.14005828568568596,"num_words":65,"start":2141.9802,"end":2167.875},{"sentences":[{"text":"Yep.","start":2181.8499,"end":2182.3499,"sentiment":"neutral","sentiment_score":0.12319861352443696},{"text":"Yeah.","start":2187.2952,"end":2187.7952,"sentiment":"neutral","sentiment_score":0.14271841943264008},{"text":"Do you yeah.","start":2189.055,"end":2194.0352,"sentiment":"neutral","sentiment_score":0.1044587679207325},{"text":"Is this more looking at, like, the income protection sum insured that you do have is good.","start":2194.495,"end":2198.575,"sentiment":"positive","sentiment_score":0.3998950597117929},{"text":"It's not a bad sum insured by any means.","start":2198.575,"end":2200.835,"sentiment":"positive","sentiment_score":0.353072765800688}],"sentiment":"positive","sentiment_score":0.3404891691621273,"num_words":31,"start":2181.8499,"end":2200.835},{"sentences":[{"text":"It's we could look at getting more cover for you if you wanted to maximize the income protection, but it is expensive.","start":2201.87,"end":2207.87,"sentiment":"neutral","sentiment_score":0.19828419895334679},{"text":"It is paid out of your super, and having insurances paid out of your super does affect how much you have to retire on.","start":2207.87,"end":2214.6702,"sentiment":"neutral","sentiment_score":-0.059648452481875815},{"text":"So it's more just about making sure that you've got the cover you want, but we're not eating away all of your super and ending up with nothing.","start":2214.6702,"end":2222.195,"sentiment":"neutral","sentiment_score":-0.012657064013183117},{"text":"And, also, what your goals are?","start":2223.2952,"end":2224.8152,"sentiment":"neutral","sentiment_score":0.08119675641258557},{"text":"Did you wanna look at maybe income protection, or are you happy just with what you've got at the moment, hoping that you don't have to claim?","start":2224.8152,"end":2231.62,"sentiment":"neutral","sentiment_score":0.0772170838382509}],"sentiment":"neutral","sentiment_score":0.04811526660885766,"num_words":107,"start":2201.87,"end":2231.62},{"sentences":[{"text":"What's your thoughts?","start":2231.62,"end":2232.6,"sentiment":"neutral","sentiment_score":0.022506566097338993},{"text":"Yep.","start":2235.54,"end":2235.86,"sentiment":"neutral","sentiment_score":0.039690013974905014},{"text":"Yep.","start":2235.86,"end":2236.1,"sentiment":"neutral","sentiment_score":-0.02410978078842163},{"text":"It is very expensive, so I wouldn't increasing income protection could increase it over about $10,000 per year premium wise, because this year, you paid 5,685 for that.","start":2236.1,"end":2247.925,"sentiment":"neutral","sentiment_score":-0.2867750866072519},{"text":"So it does get more and more expensive as you get older.","start":2247.925,"end":2251.865,"sentiment":"neutral","sentiment_score":-0.3028864189982414}],"sentiment":"neutral","sentiment_score":-0.2573608782556322,"num_words":45,"start":2231.62,"end":2251.865},{"sentences":[{"text":"Yeah.","start":2253.445,"end":2253.945,"sentiment":"neutral","sentiment_score":0.075007364153862},{"text":"That's fine.","start":2254.8052,"end":2255.2852,"sentiment":"neutral","sentiment_score":0.24839577823877335},{"text":"We're happy to leave it as is.","start":2255.2852,"end":2256.485,"sentiment":"positive","sentiment_score":0.4536224177905491},{"text":"If you ever want us to sort of reevaluate it, let me know.","start":2256.485,"end":2259.54,"sentiment":"neutral","sentiment_score":0.04443519218609883},{"text":"There is the risk that it is more expensive, but it's more about making sure that you do have cover as well.","start":2259.68,"end":2265.94,"sentiment":"neutral","sentiment_score":-0.06864003083583983}],"sentiment":"neutral","sentiment_score":0.0625496147821347,"num_words":45,"start":2253.445,"end":2265.94},{"sentences":[{"text":"One of the biggest risks that we take with having any insurances is that we have them and never claim on them, and then we cancel them, and we pay the lowest in premiums.","start":2266.4,"end":2275.0352,"sentiment":"neutral","sentiment_score":-0.18751883638255737},{"text":"Oh, so sorry.","start":2276.935,"end":2278.395,"sentiment":"neutral","sentiment_score":-0.08475781977176666},{"text":"The big the biggest risk we have with insurances is that we hold the insurances.","start":2279.175,"end":2283.595,"sentiment":"neutral","sentiment_score":-0.17343409955501557},{"text":"We pay the premiums for years, and we never actually claim.","start":2283.735,"end":2286.94,"sentiment":"neutral","sentiment_score":-0.16655023937875574},{"text":"So then we they just get canceled in the end anyway.","start":2286.94,"end":2289.44,"sentiment":"neutral","sentiment_score":-0.17964619398117065}],"sentiment":"neutral","sentiment_score":-0.17621062373792803,"num_words":74,"start":2266.4,"end":2289.44},{"sentences":[{"text":"Yeah.","start":2290.86,"end":2291.18,"sentiment":"neutral","sentiment_score":0.03154633194208145},{"text":"But, I mean, hopefully realistically, we hope that you never have to claim on income protection.","start":2291.18,"end":2295.76,"sentiment":"neutral","sentiment_score":0.056190982926636934},{"text":"Do you have much sitting in your offset or redraw facility that you could sort of fall back on if you needed to for living expenses?","start":2295.82,"end":2302.455,"sentiment":"neutral","sentiment_score":-0.0015870475998291602},{"text":"Expenses.","start":2308.455,"end":2308.955,"sentiment":"neutral","sentiment_score":-0.05282106623053551},{"text":"Yeah.","start":2309.5752,"end":2310.0752,"sentiment":"neutral","sentiment_score":-0.027465587481856343}],"sentiment":"neutral","sentiment_score":0.017978937054673832,"num_words":45,"start":2290.86,"end":2310.0752},{"sentences":[{"text":"Mhmm.","start":2318.03,"end":2318.53,"sentiment":"neutral","sentiment_score":0.001957072177901864},{"text":"Oh, do you?","start":2327.31,"end":2328.11,"sentiment":"neutral","sentiment_score":0.013644661443928877},{"text":"Okay.","start":2328.11,"end":2328.51,"sentiment":"neutral","sentiment_score":0.04334256798028946},{"text":"Perfect.","start":2328.51,"end":2329.01,"sentiment":"neutral","sentiment_score":0.13313981890678406},{"text":"Okay.","start":2335.635,"end":2335.955,"sentiment":"neutral","sentiment_score":0.0956348180770874}],"sentiment":"neutral","sentiment_score":0.04500118021054992,"num_words":7,"start":2318.03,"end":2335.955},{"sentences":[{"text":"Perfect.","start":2335.955,"end":2336.355,"sentiment":"neutral","sentiment_score":0.18969866633415225},{"text":"That's something I didn't have noted down here, but that's really good to know.","start":2336.355,"end":2339.075,"sentiment":"neutral","sentiment_score":0.18932347106082098},{"text":"So $250 per fortnight from DBA.","start":2339.075,"end":2341.895,"sentiment":"neutral","sentiment_score":0.07888623885810375},{"text":"Excellent.","start":2342.195,"end":2342.695,"sentiment":"neutral","sentiment_score":0.31505122780799866},{"text":"Yep.","start":2344.83,"end":2345.07,"sentiment":"neutral","sentiment_score":0.25281187891960144}],"sentiment":"neutral","sentiment_score":0.16875686091573341,"num_words":23,"start":2335.955,"end":2345.07},{"sentences":[{"text":"Beautiful.","start":2345.07,"end":2345.55,"sentiment":"positive","sentiment_score":0.4582061171531677},{"text":"And, look, realistically, by not having any more income protection, you are still getting the DBA payments there as well.","start":2345.55,"end":2351.49,"sentiment":"neutral","sentiment_score":0.17616969905793667},{"text":"And when you do claim on income protection, they do tend to offset the sum insured by any payments that you are receiving, and DBA is included in a lot of those depending on the insurer.","start":2352.03,"end":2364.355,"sentiment":"neutral","sentiment_score":0.15715873934742478},{"text":"So if we looked at increasing it up to the level that you would realistically need, it could then be offset and reduced in the event of claim anyway.","start":2365.295,"end":2374.66,"sentiment":"neutral","sentiment_score":0.134558599185327},{"text":"So retaining that and keeping the DBA payments is good.","start":2374.8,"end":2377.8398,"sentiment":"positive","sentiment_score":0.5411479771137238}],"sentiment":"neutral","sentiment_score":0.19742701939928034,"num_words":96,"start":2345.07,"end":2377.8398},{"sentences":[{"text":"It's giving you a bit more of an offset, which is good.","start":2377.8398,"end":2380.0798,"sentiment":"positive","sentiment_score":0.4856145729621251},{"text":"Okay?","start":2380.0798,"end":2380.5798,"sentiment":"neutral","sentiment_score":0.2291705906391144},{"text":"Excellent.","start":2381.1199,"end":2381.6199,"sentiment":"positive","sentiment_score":0.4965235888957978},{"text":"Excellent.","start":2381.92,"end":2382.42,"sentiment":"neutral","sentiment_score":0.16878095269203186},{"text":"I'll make a note of that.","start":2382.96,"end":2384.0798,"sentiment":"positive","sentiment_score":0.4064682026704152}],"sentiment":"positive","sentiment_score":0.4362218677997589,"num_words":21,"start":2377.8398,"end":2384.0798},{"sentences":[{"text":"That's beautiful.","start":2384.0798,"end":2384.775,"sentiment":"positive","sentiment_score":0.7873823046684265},{"text":"Have the DBA payments increased at all over the last couple of months?","start":2384.775,"end":2388.2349,"sentiment":"neutral","sentiment_score":0.044862997789795585},{"text":"Yeah.","start":2395.1748,"end":2395.6748,"sentiment":"neutral","sentiment_score":0.002276451326906681},{"text":"Yep.","start":2401.83,"end":2402.33,"sentiment":"neutral","sentiment_score":0.08921763300895691},{"text":"Perfect.","start":2402.55,"end":2403.05,"sentiment":"neutral","sentiment_score":0.3193108141422272}],"sentiment":"neutral","sentiment_score":0.14271047106012702,"num_words":18,"start":2384.0798,"end":2403.05},{"sentences":[{"text":"Perfect.","start":2404.6301,"end":2405.1301,"sentiment":"neutral","sentiment_score":0.30168262124061584},{"text":"Yeah.","start":2405.99,"end":2406.49,"sentiment":"neutral","sentiment_score":0.021961797028779984},{"text":"Caution.","start":2408.7249,"end":2408.9648,"sentiment":"neutral","sentiment_score":-0.03450893610715866},{"text":"Yeah.","start":2408.9648,"end":2409.285,"sentiment":"neutral","sentiment_score":0.029664672911167145},{"text":"No.","start":2409.285,"end":2409.645,"sentiment":"neutral","sentiment_score":0.015504073351621628}],"sentiment":"neutral","sentiment_score":0.0668608456850052,"num_words":5,"start":2404.6301,"end":2409.645},{"sentences":[{"text":"Absolutely.","start":2409.645,"end":2410.005,"sentiment":"neutral","sentiment_score":0.15890717506408691},{"text":"No.","start":2410.005,"end":2410.3647,"sentiment":"neutral","sentiment_score":0.20150282979011536},{"text":"It's fantastic.","start":2410.3647,"end":2411.2048,"sentiment":"positive","sentiment_score":0.5883071422576904},{"text":"Thank you for updating that for me.","start":2411.2048,"end":2412.645,"sentiment":"positive","sentiment_score":0.6707971692085266},{"text":"I'll make sure we do have a note of that on file, which is great.","start":2412.645,"end":2415.625,"sentiment":"positive","sentiment_score":0.5243504802385967}],"sentiment":"positive","sentiment_score":0.5422254491310853,"num_words":26,"start":2409.645,"end":2415.625},{"sentences":[{"text":"Excellent.","start":2415.765,"end":2416.265,"sentiment":"positive","sentiment_score":0.4890807271003723},{"text":"I've got down here that you were a social smoker about three a day.","start":2417.285,"end":2421.625,"sentiment":"neutral","sentiment_score":0.02125218071575676},{"text":"Is that still correct?","start":2421.765,"end":2422.905,"sentiment":"neutral","sentiment_score":-0.00025730300694704056},{"text":"Yep.","start":2435.3901,"end":2435.8901,"sentiment":"neutral","sentiment_score":-0.005750935524702072},{"text":"Sorry.","start":2436.11,"end":2436.43,"sentiment":"neutral","sentiment_score":-0.057718656957149506}],"sentiment":"neutral","sentiment_score":0.034386307267206054,"num_words":21,"start":2415.765,"end":2436.43},{"sentences":[{"text":"Depending on the day.","start":2436.43,"end":2437.57,"sentiment":"neutral","sentiment_score":-0.04535652045160532},{"text":"Yeah.","start":2450.875,"end":2451.2751,"sentiment":"neutral","sentiment_score":0.01882705464959145},{"text":"Yes.","start":2451.2751,"end":2451.7751,"sentiment":"neutral","sentiment_score":0.04174598306417465},{"text":"Absolutely.","start":2453.77,"end":2454.27,"sentiment":"neutral","sentiment_score":0.13975656032562256},{"text":"Absolutely.","start":2454.57,"end":2455.07,"sentiment":"neutral","sentiment_score":0.07107678055763245}],"sentiment":"neutral","sentiment_score":0.011247537098824978,"num_words":8,"start":2436.43,"end":2455.07},{"sentences":[{"text":"No.","start":2455.4502,"end":2455.9302,"sentiment":"neutral","sentiment_score":0.026903185993433},{"text":"All good.","start":2455.9302,"end":2456.6702,"sentiment":"neutral","sentiment_score":0.10378292948007584},{"text":"And I'm just gonna update here.","start":2457.6902,"end":2459.2102,"sentiment":"neutral","sentiment_score":0.07855839654803276},{"text":"It says on here from the last back one, you didn't have a will updated.","start":2459.2102,"end":2461.9302,"sentiment":"neutral","sentiment_score":0.03414144900937875},{"text":"So I'm gonna note here that you do because you do have your will and power of attorney and everything set up, which is good.","start":2461.9302,"end":2466.9102,"sentiment":"neutral","sentiment_score":0.1519491970539093}],"sentiment":"neutral","sentiment_score":0.10238104256592234,"num_words":49,"start":2455.4502,"end":2466.9102},{"sentences":[{"text":"Other than that, everything else looks good.","start":2468.145,"end":2469.985,"sentiment":"neutral","sentiment_score":0.29718884399959017},{"text":"The only other assets to kinda check-in on I had a camper van.","start":2469.985,"end":2473.345,"sentiment":"neutral","sentiment_score":0.03443790614031828},{"text":"I'll see here with an asset value of 17,700.","start":2473.345,"end":2477.105,"sentiment":"neutral","sentiment_score":0.029794065488709345},{"text":"Do you still have the camper van?","start":2477.105,"end":2478.965,"sentiment":"neutral","sentiment_score":0.0054639978999538085},{"text":"Yep.","start":2479.77,"end":2480.27,"sentiment":"neutral","sentiment_score":0.046622417867183685}],"sentiment":"neutral","sentiment_score":0.0778657210915274,"num_words":37,"start":2468.145,"end":2480.27},{"sentences":[{"text":"Okay.","start":2483.1301,"end":2483.61,"sentiment":"neutral","sentiment_score":0.07867542654275894},{"text":"Cool.","start":2483.61,"end":2484.09,"sentiment":"neutral","sentiment_score":0.093352273106575},{"text":"What kind of vehicle?","start":2484.09,"end":2485.15,"sentiment":"neutral","sentiment_score":0.02438877709209919},{"text":"Oh, nice.","start":2490.01,"end":2490.99,"sentiment":"neutral","sentiment_score":0.21502863615751266},{"text":"And what's the asset value?","start":2492.01,"end":2493.79,"sentiment":"neutral","sentiment_score":0.006459362339228392}],"sentiment":"neutral","sentiment_score":0.056302837848376766,"num_words":13,"start":2483.1301,"end":2493.79},{"sentences":[{"text":"Yeah.","start":2494.5352,"end":2494.615,"sentiment":"neutral","sentiment_score":0.008793546818196774},{"text":"What's the value would you put on that one?","start":2494.615,"end":2497.2751,"sentiment":"neutral","sentiment_score":0.004528746784975131},{"text":"Yep.","start":2501.415,"end":2501.915,"sentiment":"neutral","sentiment_score":0.060467105358839035},{"text":"Yep.","start":2501.975,"end":2502.455,"sentiment":"neutral","sentiment_score":0.13815975189208984},{"text":"Beautiful.","start":2502.455,"end":2502.955,"sentiment":"positive","sentiment_score":0.5979425311088562}],"sentiment":"neutral","sentiment_score":0.06508628124944292,"num_words":13,"start":2494.5352,"end":2502.955},{"sentences":[{"text":"Is it something you're doing up?","start":2503.0151,"end":2504.715,"sentiment":"neutral","sentiment_score":0.1087113507091999},{"text":"Oh, absolutely.","start":2508.61,"end":2509.35,"sentiment":"neutral","sentiment_score":0.16729214787483215},{"text":"Oh, perfect.","start":2516.53,"end":2517.51,"sentiment":"positive","sentiment_score":0.496589258313179},{"text":"Perfect.","start":2517.81,"end":2518.31,"sentiment":"positive","sentiment_score":0.5315555334091187},{"text":"And is that kind of one of your things you wanna do in retirement and do up cars and things like that or travel, or what's your retirement plan?","start":2519.375,"end":2525.795,"sentiment":"neutral","sentiment_score":0.09150184777661644}],"sentiment":"neutral","sentiment_score":0.12912850088905542,"num_words":40,"start":2503.0151,"end":2525.795},{"sentences":[{"text":"Yep.","start":2527.4548,"end":2527.9548,"sentiment":"neutral","sentiment_score":0.169135719537735},{"text":"Oh, love that.","start":2530.815,"end":2532.035,"sentiment":"neutral","sentiment_score":0.0928840587536494},{"text":"Yeah.","start":2533.2148,"end":2533.7148,"sentiment":"neutral","sentiment_score":-0.03243257850408554},{"text":"Yeah.","start":2536.65,"end":2537.15,"sentiment":"neutral","sentiment_score":-0.08717657625675201},{"text":"Yeah.","start":2537.3699,"end":2537.8699,"sentiment":"neutral","sentiment_score":-0.03218004107475281}],"sentiment":"neutral","sentiment_score":0.04228552856615612,"num_words":7,"start":2527.4548,"end":2537.8699},{"sentences":[{"text":"Yeah.","start":2538.25,"end":2538.73,"sentiment":"neutral","sentiment_score":-0.009167748503386974},{"text":"No.","start":2538.73,"end":2538.97,"sentiment":"neutral","sentiment_score":-0.09253744035959244},{"text":"That's fantastic.","start":2538.97,"end":2539.71,"sentiment":"neutral","sentiment_score":-0.013534534722566598},{"text":"Yeah.","start":2544.01,"end":2544.51,"sentiment":"neutral","sentiment_score":0.009182476438581944},{"text":"Yep.","start":2545.3699,"end":2545.8699,"sentiment":"neutral","sentiment_score":0.1132262796163559}],"sentiment":"neutral","sentiment_score":-0.001060917042195797,"num_words":6,"start":2538.25,"end":2545.8699},{"sentences":[{"text":"Perfect.","start":2546.49,"end":2546.99,"sentiment":"positive","sentiment_score":0.35278162360191345},{"text":"Perfect.","start":2547.4749,"end":2547.875,"sentiment":"neutral","sentiment_score":0.3002360463142395},{"text":"And the other thing I have on here is another motor vehicle with a value of a 100,000.","start":2547.875,"end":2552.055,"sentiment":"neutral","sentiment_score":0.07955170774625407},{"text":"I assume it's the one that you drive all the time.","start":2552.675,"end":2554.915,"sentiment":"neutral","sentiment_score":0.05383893542669036},{"text":"What kind of car do you yes.","start":2554.915,"end":2557.575,"sentiment":"neutral","sentiment_score":0.032035178637930324}],"sentiment":"neutral","sentiment_score":0.07635323551336401,"num_words":38,"start":2546.49,"end":2557.575},{"sentences":[{"text":"Yes.","start":2564.85,"end":2565.25,"sentiment":"neutral","sentiment_score":0.0919424369931221},{"text":"Perfect.","start":2565.25,"end":2565.75,"sentiment":"positive","sentiment_score":0.3805123567581177},{"text":"Excellent.","start":2565.81,"end":2566.31,"sentiment":"positive","sentiment_score":0.3843083381652832},{"text":"And value on that is about a 100,000.","start":2566.53,"end":2568.6902,"sentiment":"neutral","sentiment_score":0.1497558131814003},{"text":"Would you keep it about the same?","start":2568.6902,"end":2570.31,"sentiment":"neutral","sentiment_score":0.057760663862739293}],"sentiment":"neutral","sentiment_score":0.1366185713559389,"num_words":18,"start":2564.85,"end":2570.31},{"sentences":[{"text":"Yes.","start":2570.53,"end":2571.03,"sentiment":"neutral","sentiment_score":0.10344156622886658},{"text":"Beautiful.","start":2571.885,"end":2572.385,"sentiment":"positive","sentiment_score":0.46102896332740784},{"text":"And I'm happy that you had a loan there of about 50,000 on that one.","start":2572.605,"end":2575.725,"sentiment":"neutral","sentiment_score":0.3306435078382492},{"text":"Do you still have that loan on the vehicle?","start":2575.725,"end":2577.585,"sentiment":"neutral","sentiment_score":0.04197464697062969},{"text":"No.","start":2580.285,"end":2580.365,"sentiment":"neutral","sentiment_score":-0.12593279778957367}],"sentiment":"neutral","sentiment_score":0.21392452489170763,"num_words":27,"start":2570.53,"end":2580.365},{"sentences":[{"text":"Paid off.","start":2580.365,"end":2581.185,"sentiment":"neutral","sentiment_score":-0.149790421128273},{"text":"Yep.","start":2586.09,"end":2586.59,"sentiment":"neutral","sentiment_score":0.0023774076253175735},{"text":"Yep.","start":2594.6501,"end":2594.9702,"sentiment":"neutral","sentiment_score":0.08235765248537064},{"text":"Yep.","start":2594.9702,"end":2595.4502,"sentiment":"neutral","sentiment_score":0.2063114494085312},{"text":"Perfect.","start":2595.4502,"end":2595.9502,"sentiment":"positive","sentiment_score":0.7141271829605103}],"sentiment":"neutral","sentiment_score":0.1175988083705306,"num_words":6,"start":2580.365,"end":2595.9502},{"sentences":[{"text":"Excellent.","start":2596.1702,"end":2596.6702,"sentiment":"positive","sentiment_score":0.7835745215415955},{"text":"Excellent.","start":2597.77,"end":2598.27,"sentiment":"positive","sentiment_score":0.7718570232391357},{"text":"Well, that looks like everything's all good there.","start":2598.695,"end":2600.615,"sentiment":"positive","sentiment_score":0.6622626632452011},{"text":"So just to kinda recap, I'm looking at altering your portfolio.","start":2600.615,"end":2603.835,"sentiment":"neutral","sentiment_score":0.0787630748342384},{"text":"I'll reduce the risk level a bit for you, but also look at replacing the investment that hasn't been performing properly.","start":2603.975,"end":2609.655,"sentiment":"neutral","sentiment_score":-0.010385600938683464}],"sentiment":"neutral","sentiment_score":0.17861497748110974,"num_words":42,"start":2596.1702,"end":2609.655},{"sentences":[{"text":"I'll look at the overall risk of your portfolio and maybe rebalance if we need to as well.","start":2609.655,"end":2614.235,"sentiment":"neutral","sentiment_score":0.02553570353322559},{"text":"Because you are closer to retirement, do you want me to maybe look at the retirement asset down the track for you and see where we might be heading just to give you a bit of an idea?","start":2614.8599,"end":2623.44,"sentiment":"neutral","sentiment_score":0.04369448448874449},{"text":"I can't factor in the military suit because they don't tell us what the CCI benefit is that they increase by.","start":2623.66,"end":2630.3198,"sentiment":"neutral","sentiment_score":-0.06640395451159704},{"text":"But did you want me to just look at the hub 20 4 and see where we're tracking where we should be able to end up at maybe sixty, sixty five, and what that looks like down the track for you?","start":2630.355,"end":2639.575,"sentiment":"neutral","sentiment_score":-0.0003203942962899441},{"text":"Yeah.","start":2641.2349,"end":2641.7349,"sentiment":"neutral","sentiment_score":0.010423870757222176}],"sentiment":"neutral","sentiment_score":0.006074266672572669,"num_words":119,"start":2609.655,"end":2641.7349},{"sentences":[{"text":"Yeah.","start":2643.39,"end":2643.89,"sentiment":"neutral","sentiment_score":0.05749795585870743},{"text":"Absolutely.","start":2645.23,"end":2645.73,"sentiment":"neutral","sentiment_score":0.16543854773044586},{"text":"It's more just a limited scope sort of section of the advice that I look at when you're in your fifties, sort of look at where we're tracking with what we're working on now, and then we'll keep sort of reviewing that.","start":2646.27,"end":2656.185,"sentiment":"neutral","sentiment_score":0.051256711018227395},{"text":"I look down the track to see whether you might be eligible for any additional Centrelink benefits as well, and sort of see what kind of longevity we're hoping to get out of your super.","start":2656.425,"end":2665.405,"sentiment":"neutral","sentiment_score":0.03879656799669776},{"text":"And it will not include your military super, so that'll obviously, you know, provide a greater effect.","start":2666.105,"end":2671.325,"sentiment":"neutral","sentiment_score":-0.014804685926612686}],"sentiment":"neutral","sentiment_score":0.03626998526548656,"num_words":96,"start":2643.39,"end":2671.325},{"sentences":[{"text":"But I can I can look into that for you as part of the advice document, do a bit of limited scoping on there?","start":2671.9,"end":2676.78,"sentiment":"neutral","sentiment_score":0.0442462139762938},{"text":"Just to sort of show you where you're tracking for to, you know, give you a little bit more of an idea of what's down the road.","start":2676.78,"end":2682.14,"sentiment":"neutral","sentiment_score":0.07006441346473163},{"text":"Does that sound okay?","start":2682.14,"end":2683.28,"sentiment":"neutral","sentiment_score":0.09518921189010143},{"text":"Yep.","start":2685.855,"end":2686.175,"sentiment":"neutral","sentiment_score":0.12106789648532867},{"text":"Beautiful.","start":2686.175,"end":2686.675,"sentiment":"positive","sentiment_score":0.5079565644264221}],"sentiment":"neutral","sentiment_score":0.06953385276229758,"num_words":57,"start":2671.9,"end":2686.675},{"sentences":[{"text":"Beautiful.","start":2686.815,"end":2687.315,"sentiment":"neutral","sentiment_score":0.04413698986172676},{"text":"The only other thing I wanted to touch base on here was that you don't have any kind of insurances out of Super.","start":2687.695,"end":2692.815,"sentiment":"neutral","sentiment_score":-0.1630658776215885},{"text":"You're not wanting to try and pay for any of the insurances outside of Super.","start":2692.815,"end":2696.175,"sentiment":"neutral","sentiment_score":-0.31981955766677855},{"text":"It sounds like your cash flow is a bit tight.","start":2696.175,"end":2698.015,"sentiment":"negative","sentiment_score":-0.35805975198745726},{"text":"The mortgage is your main priority.","start":2698.015,"end":2699.635,"sentiment":"neutral","sentiment_score":-0.05906909021238486}],"sentiment":"neutral","sentiment_score":-0.2261578840288249,"num_words":55,"start":2686.815,"end":2699.635},{"sentences":[{"text":"Is that right?","start":2699.855,"end":2700.755,"sentiment":"neutral","sentiment_score":0.03932801137367884},{"text":"Yep.","start":2701.23,"end":2701.73,"sentiment":"neutral","sentiment_score":0.15305255353450775},{"text":"That's okay.","start":2701.95,"end":2702.75,"sentiment":"neutral","sentiment_score":0.2889939099550247},{"text":"Not a problem at all.","start":2702.75,"end":2703.55,"sentiment":"positive","sentiment_score":0.333415287733078},{"text":"And is there any other goal that you might be wanting to achieve aside from the retirement aspect, building super, and paying off your mortgage?","start":2703.55,"end":2711.81,"sentiment":"neutral","sentiment_score":0.209702467918396}],"sentiment":"neutral","sentiment_score":0.2155184040053023,"num_words":36,"start":2699.855,"end":2711.81},{"sentences":[{"text":"Yeah.","start":2712.75,"end":2713.23,"sentiment":"neutral","sentiment_score":0.05343901738524437},{"text":"That's okay.","start":2713.23,"end":2714.05,"sentiment":"neutral","sentiment_score":0.15787147730588913},{"text":"That's absolutely fine.","start":2714.755,"end":2716.215,"sentiment":"positive","sentiment_score":0.5675364136695862},{"text":"We'll get those beneficiaries updated for you and send them out, and I'll go working on the research for you there, Matthew.","start":2716.515,"end":2722.695,"sentiment":"positive","sentiment_score":0.3485431583090262},{"text":"We are just gonna send through your annual review docs afterwards, which will have a copy of all the information that we've gone through with the reports, the balances of your super, the updated information around your income protection policy.","start":2723.315,"end":2734.52,"sentiment":"neutral","sentiment_score":0.23621290624141694}],"sentiment":"neutral","sentiment_score":0.28218024919795637,"num_words":68,"start":2712.75,"end":2734.52},{"sentences":[{"text":"I've also got on that document our financial services guide, which has a lovely picture of me, and I'm a full licensed adviser.","start":2735.06,"end":2741.625,"sentiment":"neutral","sentiment_score":0.2570455016001411},{"text":"So it'll have my registration information for you.","start":2741.865,"end":2744.925,"sentiment":"neutral","sentiment_score":0.200778191909194},{"text":"If you ever wanted to look me up, my license number registered with Aptive is 1304394.","start":2745.305,"end":2751.625,"sentiment":"neutral","sentiment_score":0.1081197434104979},{"text":"Okay?","start":2751.625,"end":2752.125,"sentiment":"neutral","sentiment_score":0.11915024369955064},{"text":"The only other thing to let you know is we do as you are an ongoing client, we're updating the advice for you.","start":2753.385,"end":2759.49,"sentiment":"neutral","sentiment_score":0.12368931345965552}],"sentiment":"neutral","sentiment_score":0.17200271013966748,"num_words":71,"start":2735.06,"end":2759.49},{"sentences":[{"text":"The advice is updated with no additional fees, no implementation fees, or anything like that.","start":2759.49,"end":2764.31,"sentiment":"neutral","sentiment_score":0.09878193686405817},{"text":"As an ongoing client, you do pay us an ongoing service fee, so it's our job to update the advice and make sure that we're reflecting things and changing things for you as your life changes.","start":2764.45,"end":2774.705,"sentiment":"neutral","sentiment_score":0.19812141979734102},{"text":"The ongoing service fee is 1.65% per annum, so over the course of the year.","start":2775.405,"end":2780.705,"sentiment":"neutral","sentiment_score":-0.007434501374761263},{"text":"Each month, it is deducted in smaller monthly increments, And the idea of the percentage based fee is it fluctuates with the market.","start":2781.165,"end":2787.92,"sentiment":"neutral","sentiment_score":-0.0324751810859079},{"text":"So when your super is performing better, our fee is gonna increase.","start":2787.92,"end":2791.14,"sentiment":"neutral","sentiment_score":-0.05612333801885446}],"sentiment":"neutral","sentiment_score":0.07012052894892669,"num_words":101,"start":2759.49,"end":2791.14},{"sentences":[{"text":"However, if the market takes a dip with what's happening globally, it means our fee takes a dip there with it.","start":2791.44,"end":2796.8,"sentiment":"neutral","sentiment_score":-0.24598268100193568},{"text":"Does that make sense?","start":2796.8,"end":2797.68,"sentiment":"neutral","sentiment_score":0.10464255139231682},{"text":"And do you have any questions at all?","start":2797.68,"end":2799.78,"sentiment":"neutral","sentiment_score":0.048040589317679405},{"text":"No.","start":2803.915,"end":2804.235,"sentiment":"neutral","sentiment_score":-0.23126977682113647},{"text":"That's beautiful.","start":2804.235,"end":2806.655,"sentiment":"neutral","sentiment_score":0.19226273894309998}],"sentiment":"neutral","sentiment_score":-0.11693015777402455,"num_words":36,"start":2791.44,"end":2806.655},{"sentences":[{"text":"That was my goal for today was to touch base on all the things.","start":2807.0352,"end":2809.995,"sentiment":"positive","sentiment_score":0.4946416275841849},{"text":"I did a really good review of your file beforehand, and I wanted to sort of touch base on all those additional areas and make sure that everything was working for you.","start":2809.995,"end":2817.73,"sentiment":"positive","sentiment_score":0.4438193868845701},{"text":"I'll go back and do some research, and my team will let you know when we have the advice ready to go.","start":2818.35,"end":2823.1501,"sentiment":"neutral","sentiment_score":0.3255006562579762},{"text":"We'll come back and have a look at that together.","start":2823.1501,"end":2825.1501,"sentiment":"neutral","sentiment_score":0.321242219209671},{"text":"Does that sound okay?","start":2825.1501,"end":2826.29,"sentiment":"neutral","sentiment_score":0.1862879879772663}],"sentiment":"positive","sentiment_score":0.3932413627825132,"num_words":82,"start":2807.0352,"end":2826.29},{"sentences":[{"text":"Fantastic.","start":2828.655,"end":2829.155,"sentiment":"positive","sentiment_score":0.7778612375259399},{"text":"Well, I will let you go.","start":2829.375,"end":2830.895,"sentiment":"positive","sentiment_score":0.6862311263879141},{"text":"You have an amazing afternoon.","start":2830.895,"end":2832.675,"sentiment":"positive","sentiment_score":0.8178985476493835},{"text":"Enjoy your days off, and don't work too hard on the house.","start":2832.8152,"end":2836.355,"sentiment":"positive","sentiment_score":0.41960450261831284},{"text":"And I'll get stuck into those research and get those emails out to you.","start":2836.895,"end":2841.39,"sentiment":"positive","sentiment_score":0.5060240924358368}],"sentiment":"positive","sentiment_score":0.5553771594637319,"num_words":38,"start":2828.655,"end":2841.39},{"sentences":[{"text":"And, yeah, if there's anything else you need, please don't ever hesitate.","start":2841.8699,"end":2844.91,"sentiment":"neutral","sentiment_score":0.31294842312733334},{"text":"Let me know.","start":2844.91,"end":2845.39,"sentiment":"positive","sentiment_score":0.4246559540430705},{"text":"I'm more than happy to make time to have a chat.","start":2845.39,"end":2847.49,"sentiment":"positive","sentiment_score":0.6531800790266558},{"text":"Oh, thank you so much for your time.","start":2849.669,"end":2851.0288,"sentiment":"positive","sentiment_score":0.7879567369818687},{"text":"Enjoy your afternoon, Matthew.","start":2851.0288,"end":2852.5688,"sentiment":"positive","sentiment_score":0.722213864326477}],"sentiment":"positive","sentiment_score":0.563337872687139,"num_words":38,"start":2841.8699,"end":2852.5688},{"sentences":[{"text":"See you later.","start":2854.629,"end":2855.449,"sentiment":"positive","sentiment_score":0.502988318602244},{"text":"Bye.","start":2855.5088,"end":2856.0088,"sentiment":"neutral","sentiment_score":0.23002943396568296}],"sentiment":"positive","sentiment_score":0.4347485974431038,"num_words":4,"start":2854.629,"end":2856.0088}]}}]},{"alternatives":[{"transcript":"OsmoFlow. Maddie speaking. Good. Thanks. Good. Thanks. Yep. Yeah. Yeah. Yeah. I need to get it out of the way. So Busy. I just come back from site. So I'm just Got doing renovations downstairs and trying to get finished. Always. Yeah. I just I just want Whatever is best, I guess. So No. All I wanna do is is, buddy, get my mortgage paid and and make sure everything's on track for me to retire. Yeah. That's fine. It's just the same every everyone you talk to these days. Yeah. 05/24/1972. 259 Bloomfield Street, Cleveland. Yeah. Yeah. It was alright. Yeah. The way the government is running the country into the bloody ground, I'm probably working till I'm bloody 90. But, anyway, I'd I'd like to whatever's gonna hit me, retire comfortably as soon as possible. So however that goes about. A fair bit. I got, like, $490. Definitely. The house next door to me, same size block, high-tech house built around the same area as mine, and that went to just over 1.3 a few months ago. Well, I'm renovating downstairs, make a dual living and everything as well. So I'll get when it's all finished, I'll get it evaluated, but it'll it's it'll be it'll be well over the mill. Yeah. I'd like to be able to, but it depends on, you know, depends on Yeah. Eventually, I'd I'd like you to do that to help help paint them. Yeah. Yep. Yep. Not not this stage. I did a a while back, but then then we've just had the, you know, two or three by interest rate rises, and there's so, you know, not much I can do about that. All all the banks, they're all the same. They're all pretty low. None they all pass the line even though they don't need to. I I do have one that I go through. He works, you know, for Aussie. But, yeah, I'll probably probably have a chat with him after getting tax back and everything. I'll probably try to open up a appointment with them and just see if there's something we can do. Yep. Yeah. I I don't yeah. I can't I can't see myself for a time. See if that was just wishful thinking, I think. Well, anything that would anything that can help, I guess. Well, I've just I've just turned 54. So Yeah. But but I want I want my super working hard for me, of course. Yeah. Is that yeah. Go ahead. Yep. Yep. I've also got I've also can you see my defense what I've got in my defense super at the moment? Yeah. Because it means yeah. Because it it means I'd have yeah, it means I'd I'd have for close to $500. Was it 560? Okay. Yep. No worries. Yep. No worries. Yeah. I know. It it does, yeah, it does it does grow quite well. But, yeah, it's but as usable and and, you know, adjusting things, it's mainly after work on this my other my normal sleeper. Mhmm. Yep. I like the idea of paying less fees because every every fee that gets paid is is a little bit less than I get in your retirement. So yep. Mhmm. Yeah. Yeah. That yeah. Yeah. It'll be more more realistic. Yep. Yeah. Well, obviously, not good. But, you know, it's out out of my control, but you know what I mean? Yep. Yeah. Or bigger gains or can also mean bigger losses. Yes. Yeah. Well, you guys are the experts. So what would be your recommendation? Well, I'd I'd really don't wanna be still working at 70. But yep. I I don't even wanna be working at 65, but that is more realistic. Yeah. Yeah. Pretty much. I I definitely don't wanna be working a 70. That's for sure. Good. Yeah. I guess it's a bit because there's so much shit going on in the world and everything at the moment. And Yep. Well, may maybe a maybe a small reduction then for the next year, and then we'll see how things are going next year. Yep. Yeah. Yeah. Yeah. We'll go we'll go with that. Yeah. We'll go with that. Okay. Yeah. I wouldn't I wouldn't wanna be I wouldn't wanna be utilizing that unless it was gonna be something that was gonna obviously obviously, be because it's such a good thing, it and it grows every year. It's it's, like, reliable. I I wouldn't wanna dip in that use any of unless there was, you know, there was pretty strong confidence in in it, if you know what I mean. Yep. Yeah. I don't wanna be giving the government anything that I don't have to. They take enough from you. Yeah. Yeah. I mean, we got a couple years before I can worry about that anyway. Yeah. Yep. Oh, actually, you want actually, I've got I've got a year before I can even think about that because I'll look at it again next year because I'm 55 next year. So if there's something that's, like, an opportunity or something that looks good around about then, but we can we can talk about that next year, but when I when I am 50 five. But but the chances are, I probably I probably still be leaving it because I I don't wanna be giving the government any more tax than I have to. Yep. Yep. Yep. Yep. Yeah. I'll I'll probably likely won't be we can talk about it again next year in case something's changed, but I'll probably change that. I won't be touched on that until '60 anyway. Yep. No worries. Yep. Okay. I mean, I I know I know there's what was it? $3.80 or April? Three eight. Yeah. I know it's I know it's over I know it's over $3.80, so it gives me an idea in my head. So no worries. Yes. Yes. It does. Yep. Emma Hodges, Hannah Hodges, and Marie Hodges. She she's my sister. Well, not really, but my sister is also she also has enduring power of attorney. Well, it's mine. I should be able to leave it to whoever I mean, I could leave it to my neighbor if I wanted. I can't see why they got rules about who you leave it to. It's my money. Yep. Yep. So what's Yeah. Sorry. That's it's such bullshit. That's if I park it next week, it's I've nominated that because that's where I want it to go. The majority of it to my kids and then some of it to my my sister. So this if there's government rules or something or whatever that stops me doing that, that's that's just, I hope, excuse language, but that's bloody bullshit. I I can't believe they got a right to yeah. Alright. Yes. Well, that legal representative would be my sister because she's the enduring power of attorney. Right. Yep. Well, that's already been stated in my will. Which is exactly as as it is on on there, the 45% paid to the my girls and then 10% to my sister. Yep. Well, however however it has to be done, that's yeah. Because that that's the only way that's the only way I want it distributed. So and that that and that's never gonna change. It'll just be 45 percent to each of the girls and then 10% to my sister. So Mhmm. Right. Yes. Yep. Yep. No worries. Mhmm. Yep. Okay. Yep. Yep. Yeah. Yeah. I wanna keep it keep it the same. Yep. Probably probably easy if you post it. Yep. Yes. Yes. I mean, no one no one knows when the number's up. So, yeah, we'll get that sorted. Alright. Thank you. Yep. I'm on about I'm on a 100 and 130. Yep. I think it's actually a smidge over that that would would just say 130. Yes. Service technician. I'm a electrician by trade, but but so I do electrical as well, but my main role service technician. So because my main role now is basically water treatment. I'm looking after a reverse osmosis plant. I'll break and maintain and all that. Yeah. Yep. I fly at the site Thursday and then fly home the next Thursday, and it just goes on like that. Well, we gotta do what we gotta do. But and I can't, yeah, I can't have a normal job because I wouldn't be able to I'll be struggling if I have a normal job, so I have to work. Yeah. Yes. My sister. One moment. It is 0409367 534. Yeah. I guess so. Yeah. Yep. Well, I mean, my my mortgage alone, I pay I put 3,200 into that a month. That's it's about $200 more than I need to, but that that just means it helps get it down quicker. That's I'll pay about $200 more than what I actually have to do because I'm trying to get down quicker. Yeah. Yeah. Probably just happy to leave it at the moment. Yep. Yep. Sorry. You just you just you just cut out then. Sorry. I thought you went. That's alright. Yep. Not at the moment because I've had to use it to do things. But I've because there's only, like I don't know. It's something it's it's over over a grand, I guess. And yeah. I also get I also get paid I also get DVA payments. But it that's and that's normally, I don't know, roughly $250 a fortnight or something like that. Yeah. It's rough roughly about that. Yes. Mhmm. Yeah. Yep. No. I said I actually think it's close to the 280, but a fortnight. But yeah. But it's it's I know it's a minimum of $2.50 a fortnight, but normally, it's a little little bit more than that. But, you know, I like to bear on the side of less. Yeah. It's probably yeah. Yeah. Yeah. Probably a bit probably closer between five and ten, but yeah. Yeah. Depending what's going on. I mean, I I, you know, I might go days without nothing, and then, you know, and then I might have attend a function that'd be whoop up and, you know, if you drink, and then you have a bit more of it. And, you know, it all averages out. Yep. Yeah. I still have that. I also have a classic vehicle. It's a 1959 FC Holden special sedan. Yeah. She's 60 six years old this year. Probably between 30 and 35 at the moment. I mean, the the value the value on these, they go up all the time. They never go down. Yeah. But, like, if I was, like, to sell it now, I wouldn't I wouldn't take less than 35 for it. So No. Just this is that's just that's my dream car. I've wanted one since I was 11 or 12 and put me to my fifties to get to a point where, you know, I'd have done it for justified anyone. I could be dead next week, so I just got it. And regardless what anyone says, it is an investment because it's worth more than I paid for it, and the value goes up each year. Yes. Yeah. That's my daily driver. It's it's a 2019 Dodge Ram, a Ram 1,500. Easy. Easy. Yep. No. No. I it's no. It's all I I rolled it all over into my mortgage, so I've only got the one payment. So I own I own both vehicles. I own van. The only payments that I have is basically my mortgage. Yep. Yeah. Yep. Yeah. That yeah. It wouldn't hurt. I mean, things could change, but yeah. At least it gives us an idea. Yeah. Yep. Yep. Yeah. Yep. Yep. No. It's just mortgage and retirement. Just mortgage and retirement. Yep. Mhmm. No worries. Oh, good. Mhmm. No. No. Not at this time. Not. So I think you just got covered everything. Mhmm. Yep. Cool. Yep. Mhmm. No worries. Thank you very much. Alright. No worries. Cheers. Alright. Bye 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Maddie speaking. Good. Thanks. Good.\n\nThanks. Yep. Yeah. Yeah. Yeah.\n\nI need to get it out of the way. So Busy. I just come back from site. So I'm just Got doing renovations downstairs and trying to get finished. Always.\n\nYeah. I just I just want Whatever is best, I guess. So No. All I wanna do is is, buddy, get my mortgage paid and and make sure everything's on track for me to retire. Yeah.\n\nThat's fine. It's just the same every everyone you talk to these days. Yeah. 05/24/1972. 259 Bloomfield Street, Cleveland.\n\nYeah. Yeah. It was alright. Yeah. The way the government is running the country into the bloody ground, I'm probably working till I'm bloody 90.\n\nBut, anyway, I'd I'd like to whatever's gonna hit me, retire comfortably as soon as possible. So however that goes about. A fair bit. I got, like, $490. Definitely.\n\nThe house next door to me, same size block, high-tech house built around the same area as mine, and that went to just over 1.3 a few months ago. Well, I'm renovating downstairs, make a dual living and everything as well. So I'll get when it's all finished, I'll get it evaluated, but it'll it's it'll be it'll be well over the mill. Yeah. I'd like to be able to, but it depends on, you know, depends on Yeah.\n\nEventually, I'd I'd like you to do that to help help paint them. Yeah. Yep. Yep. Not not this stage.\n\nI did a a while back, but then then we've just had the, you know, two or three by interest rate rises, and there's so, you know, not much I can do about that. All all the banks, they're all the same. They're all pretty low. None they all pass the line even though they don't need to. I I do have one that I go through.\n\nHe works, you know, for Aussie. But, yeah, I'll probably probably have a chat with him after getting tax back and everything. I'll probably try to open up a appointment with them and just see if there's something we can do. Yep. Yeah.\n\nI I don't yeah. I can't I can't see myself for a time. See if that was just wishful thinking, I think. Well, anything that would anything that can help, I guess. Well, I've just I've just turned 54.\n\nSo Yeah. But but I want I want my super working hard for me, of course. Yeah. Is that yeah. Go ahead.\n\nYep. Yep. I've also got I've also can you see my defense what I've got in my defense super at the moment? Yeah. Because it means yeah.\n\nBecause it it means I'd have yeah, it means I'd I'd have for close to $500. Was it 560? Okay. Yep. No worries.\n\nYep. No worries. Yeah. I know. It it does, yeah, it does it does grow quite well.\n\nBut, yeah, it's but as usable and and, you know, adjusting things, it's mainly after work on this my other my normal sleeper. Mhmm. Yep. I like the idea of paying less fees because every every fee that gets paid is is a little bit less than I get in your retirement. So yep.\n\nMhmm. Yeah. Yeah. That yeah. Yeah.\n\nIt'll be more more realistic. Yep. Yeah. Well, obviously, not good. But, you know, it's out out of my control, but you know what I mean?\n\nYep. Yeah. Or bigger gains or can also mean bigger losses. Yes. Yeah.\n\nWell, you guys are the experts. So what would be your recommendation? Well, I'd I'd really don't wanna be still working at 70. But yep. I I don't even wanna be working at 65, but that is more realistic.\n\nYeah. Yeah. Pretty much. I I definitely don't wanna be working a 70. That's for sure.\n\nGood. Yeah. I guess it's a bit because there's so much shit going on in the world and everything at the moment. And Yep. Well, may maybe a maybe a small reduction then for the next year, and then we'll see how things are going next year.\n\nYep. Yeah. Yeah. Yeah. We'll go we'll go with that.\n\nYeah. We'll go with that. Okay. Yeah. I wouldn't I wouldn't wanna be I wouldn't wanna be utilizing that unless it was gonna be something that was gonna obviously obviously, be because it's such a good thing, it and it grows every year.\n\nIt's it's, like, reliable. I I wouldn't wanna dip in that use any of unless there was, you know, there was pretty strong confidence in in it, if you know what I mean. Yep. Yeah. I don't wanna be giving the government anything that I don't have to.\n\nThey take enough from you. Yeah. Yeah. I mean, we got a couple years before I can worry about that anyway. Yeah.\n\nYep. Oh, actually, you want actually, I've got I've got a year before I can even think about that because I'll look at it again next year because I'm 55 next year. So if there's something that's, like, an opportunity or something that looks good around about then, but we can we can talk about that next year, but when I when I am 50 five. But but the chances are, I probably I probably still be leaving it because I I don't wanna be giving the government any more tax than I have to. Yep.\n\nYep. Yep. Yep. Yeah. I'll I'll probably likely won't be we can talk about it again next year in case something's changed, but I'll probably change that.\n\nI won't be touched on that until '60 anyway. Yep. No worries. Yep. Okay.\n\nI mean, I I know I know there's what was it? $3.80 or April? Three eight. Yeah. I know it's I know it's over I know it's over $3.80, so it gives me an idea in my head.\n\nSo no worries. Yes. Yes. It does. Yep.\n\nEmma Hodges, Hannah Hodges, and Marie Hodges. She she's my sister. Well, not really, but my sister is also she also has enduring power of attorney. Well, it's mine. I should be able to leave it to whoever I mean, I could leave it to my neighbor if I wanted.\n\nI can't see why they got rules about who you leave it to. It's my money. Yep. Yep. So what's Yeah.\n\nSorry. That's it's such bullshit. That's if I park it next week, it's I've nominated that because that's where I want it to go. The majority of it to my kids and then some of it to my my sister. So this if there's government rules or something or whatever that stops me doing that, that's that's just, I hope, excuse language, but that's bloody bullshit.\n\nI I can't believe they got a right to yeah. Alright. Yes. Well, that legal representative would be my sister because she's the enduring power of attorney. Right.\n\nYep. Well, that's already been stated in my will. Which is exactly as as it is on on there, the 45% paid to the my girls and then 10% to my sister. Yep. Well, however however it has to be done, that's yeah.\n\nBecause that that's the only way that's the only way I want it distributed. So and that that and that's never gonna change. It'll just be 45 percent to each of the girls and then 10% to my sister. So Mhmm. Right.\n\nYes. Yep. Yep. No worries. Mhmm.\n\nYep. Okay. Yep. Yep. Yeah.\n\nYeah. I wanna keep it keep it the same. Yep. Probably probably easy if you post it. Yep.\n\nYes. Yes. I mean, no one no one knows when the number's up. So, yeah, we'll get that sorted. Alright.\n\nThank you. Yep. I'm on about I'm on a 100 and 130. Yep. I think it's actually a smidge over that that would would just say 130.\n\nYes. Service technician. I'm a electrician by trade, but but so I do electrical as well, but my main role service technician. So because my main role now is basically water treatment. I'm looking after a reverse osmosis plant.\n\nI'll break and maintain and all that. Yeah. Yep. I fly at the site Thursday and then fly home the next Thursday, and it just goes on like that. Well, we gotta do what we gotta do.\n\nBut and I can't, yeah, I can't have a normal job because I wouldn't be able to I'll be struggling if I have a normal job, so I have to work. Yeah. Yes. My sister. One moment.\n\nIt is 0409367 534. Yeah. I guess so. Yeah. Yep.\n\nWell, I mean, my my mortgage alone, I pay I put 3,200 into that a month. That's it's about $200 more than I need to, but that that just means it helps get it down quicker. That's I'll pay about $200 more than what I actually have to do because I'm trying to get down quicker. Yeah. Yeah.\n\nProbably just happy to leave it at the moment. Yep. Yep. Sorry. You just you just you just cut out then.\n\nSorry. I thought you went. That's alright. Yep. Not at the moment because I've had to use it to do things.\n\nBut I've because there's only, like I don't know. It's something it's it's over over a grand, I guess. And yeah. I also get I also get paid I also get DVA payments. But it that's and that's normally, I don't know, roughly $250 a fortnight or something like that.\n\nYeah. It's rough roughly about that. Yes. Mhmm. Yeah.\n\nYep. No. I said I actually think it's close to the 280, but a fortnight. But yeah. But it's it's I know it's a minimum of $2.50 a fortnight, but normally, it's a little little bit more than that.\n\nBut, you know, I like to bear on the side of less. Yeah. It's probably yeah. Yeah. Yeah.\n\nProbably a bit probably closer between five and ten, but yeah. Yeah. Depending what's going on. I mean, I I, you know, I might go days without nothing, and then, you know, and then I might have attend a function that'd be whoop up and, you know, if you drink, and then you have a bit more of it. And, you know, it all averages out.\n\nYep. Yeah. I still have that. I also have a classic vehicle. It's a 1959 FC Holden special sedan.\n\nYeah. She's 60 six years old this year. Probably between 30 and 35 at the moment. I mean, the the value the value on these, they go up all the time. They never go down.\n\nYeah. But, like, if I was, like, to sell it now, I wouldn't I wouldn't take less than 35 for it. So No. Just this is that's just that's my dream car. I've wanted one since I was 11 or 12 and put me to my fifties to get to a point where, you know, I'd have done it for justified anyone.\n\nI could be dead next week, so I just got it. And regardless what anyone says, it is an investment because it's worth more than I paid for it, and the value goes up each year. Yes. Yeah. That's my daily driver.\n\nIt's it's a 2019 Dodge Ram, a Ram 1,500. Easy. Easy. Yep. No.\n\nNo. I it's no. It's all I I rolled it all over into my mortgage, so I've only got the one payment. So I own I own both vehicles. I own van.\n\nThe only payments that I have is basically my mortgage. Yep. Yeah. Yep. Yeah.\n\nThat yeah. It wouldn't hurt. I mean, things could change, but yeah. At least it gives us an idea. Yeah.\n\nYep. Yep. Yeah. Yep. Yep.\n\nNo. It's just mortgage and retirement. Just mortgage and retirement. Yep. Mhmm.\n\nNo worries. Oh, good. Mhmm. No. No.\n\nNot at this time. Not. So I think you just got covered everything. Mhmm. Yep.\n\nCool. Yep. Mhmm. No worries. Thank you very much.\n\nAlright. No worries. Cheers. Alright. Bye bye.","paragraphs":[{"sentences":[{"text":"OsmoFlow.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.03774823248386383},{"text":"Maddie 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need to get it out of the way.","start":14.785,"end":16.065,"sentiment":"neutral","sentiment_score":-0.06020726139346758},{"text":"So Busy.","start":16.065,"end":21.425,"sentiment":"neutral","sentiment_score":0.0036254068836569786},{"text":"I just come back from site.","start":21.425,"end":22.785,"sentiment":"neutral","sentiment_score":0.015856553179522354},{"text":"So I'm just Got doing renovations downstairs and trying to get finished.","start":22.785,"end":29.16,"sentiment":"neutral","sentiment_score":0.016705911916991074},{"text":"Always.","start":32.92,"end":33.42,"sentiment":"neutral","sentiment_score":0.05202189087867737}],"sentiment":"neutral","sentiment_score":-0.00623274619380633,"num_words":30,"start":14.785,"end":33.42},{"sentences":[{"text":"Yeah.","start":51.135,"end":51.375,"sentiment":"neutral","sentiment_score":0.0935378074645996},{"text":"I just I just want Whatever is best, I 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appointment with them and just see if there's something we can do.","start":317.99,"end":323.42502,"sentiment":"neutral","sentiment_score":0.10393408803563368},{"text":"Yep.","start":340.32,"end":340.82,"sentiment":"neutral","sentiment_score":-0.0136299729347229},{"text":"Yeah.","start":348.16,"end":348.56,"sentiment":"neutral","sentiment_score":-0.08090061694383621}],"sentiment":"neutral","sentiment_score":0.08755067112140877,"num_words":43,"start":307.35,"end":348.56},{"sentences":[{"text":"I I don't yeah.","start":348.56,"end":351.095,"sentiment":"neutral","sentiment_score":-0.22652528062462807},{"text":"I can't I can't see myself for a time.","start":351.095,"end":352.935,"sentiment":"negative","sentiment_score":-0.4304974145359463},{"text":"See if that was just wishful thinking, I think.","start":352.935,"end":356.475,"sentiment":"neutral","sentiment_score":-0.19089919121729004},{"text":"Well, anything that would anything that can help, I 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don't even wanna be working at 65, but that is more realistic.","start":951.815,"end":955.115,"sentiment":"neutral","sentiment_score":-0.14810398859637125}],"sentiment":"neutral","sentiment_score":-0.01928864495876508,"num_words":39,"start":906.44,"end":955.115},{"sentences":[{"text":"Yeah.","start":969.67,"end":970.095,"sentiment":"neutral","sentiment_score":0.0016286298632621763},{"text":"Yeah.","start":970.57495,"end":970.975,"sentiment":"neutral","sentiment_score":0.029040507972240448},{"text":"Pretty much.","start":970.975,"end":971.795,"sentiment":"neutral","sentiment_score":0.08416080847382545},{"text":"I I definitely don't wanna be working a 70.","start":972.33496,"end":974.495,"sentiment":"neutral","sentiment_score":-0.11630911773277654},{"text":"That's for 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but the chances are, I probably I probably still be leaving it because I I don't wanna be giving the government any more tax than I have to.","start":1340.9551,"end":1348.735,"sentiment":"neutral","sentiment_score":-0.2423433252321235},{"text":"Yep.","start":1360.0599,"end":1360.5599,"sentiment":"neutral","sentiment_score":0.04966098070144653}],"sentiment":"neutral","sentiment_score":-0.01572878981824033,"num_words":96,"start":1319.665,"end":1360.5599},{"sentences":[{"text":"Yep.","start":1360.86,"end":1361.36,"sentiment":"neutral","sentiment_score":-0.022185632959008217},{"text":"Yep.","start":1385.94,"end":1386.44,"sentiment":"neutral","sentiment_score":0.06791838258504868},{"text":"Yep.","start":1392.6599,"end":1393.1599,"sentiment":"neutral","sentiment_score":0.11752545088529588},{"text":"Yeah.","start":1396.755,"end":1397.0751,"sentiment":"neutral","sentiment_score":0.017589997500181198},{"text":"I'll I'll probably likely won't be we can talk about it again next year in case something's changed, but I'll probably change that.","start":1397.0751,"end":1404.5951,"sentiment":"neutral","sentiment_score":-0.020011922729242106}],"sentiment":"neutral","sentiment_score":-0.010349112028187071,"num_words":27,"start":1360.86,"end":1404.5951},{"sentences":[{"text":"I won't be touched on that until '60 anyway.","start":1404.5951,"end":1407.895,"sentiment":"neutral","sentiment_score":-0.055200823893149696},{"text":"Yep.","start":1415.7001,"end":1416.2001,"sentiment":"neutral","sentiment_score":0.10986354202032088},{"text":"No 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$3.80, so it gives me an idea in my head.","start":1449.7999,"end":1455.5599,"sentiment":"neutral","sentiment_score":-0.016652116285903112}],"sentiment":"neutral","sentiment_score":-0.0031709859123159397,"num_words":38,"start":1441.24,"end":1455.5599},{"sentences":[{"text":"So no worries.","start":1455.5599,"end":1462.175,"sentiment":"neutral","sentiment_score":0.06908309583862622},{"text":"Yes.","start":1482.55,"end":1482.87,"sentiment":"neutral","sentiment_score":0.10015928745269775},{"text":"Yes.","start":1482.87,"end":1483.11,"sentiment":"neutral","sentiment_score":0.12531670928001404},{"text":"It does.","start":1483.11,"end":1483.785,"sentiment":"neutral","sentiment_score":0.18558944016695023},{"text":"Yep.","start":1503.92,"end":1504.42,"sentiment":"neutral","sentiment_score":0.0589175745844841}],"sentiment":"neutral","sentiment_score":0.10785271739587188,"num_words":8,"start":1455.5599,"end":1504.42},{"sentences":[{"text":"Emma Hodges, Hannah Hodges, and Marie 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up and, you know, if you drink, and then you have a bit more of it.","start":2439.7349,"end":2450.96,"sentiment":"neutral","sentiment_score":-0.025001312216180703},{"text":"And, you know, it all averages out.","start":2450.96,"end":2453.22,"sentiment":"neutral","sentiment_score":0.03383525460958481}],"sentiment":"neutral","sentiment_score":-0.01899551831637368,"num_words":66,"start":2430.5498,"end":2453.22},{"sentences":[{"text":"Yep.","start":2466.4248,"end":2466.9248,"sentiment":"neutral","sentiment_score":0.14499688148498535},{"text":"Yeah.","start":2478.24,"end":2478.48,"sentiment":"neutral","sentiment_score":0.00950484536588192},{"text":"I still have that.","start":2478.48,"end":2479.7,"sentiment":"neutral","sentiment_score":0.01416843757033348},{"text":"I also have a classic vehicle.","start":2479.92,"end":2482.5,"sentiment":"neutral","sentiment_score":0.02998596957574288},{"text":"It's a 1959 FC Holden special sedan.","start":2485.84,"end":2489.38,"sentiment":"neutral","sentiment_score":0.02670137836996998}],"sentiment":"neutral","sentiment_score":0.03042110227244465,"num_words":19,"start":2466.4248,"end":2489.38},{"sentences":[{"text":"Yeah.","start":2491.76,"end":2492.16,"sentiment":"neutral","sentiment_score":0.007841138169169426},{"text":"She's 60 six years old this year.","start":2492.16,"end":2493.975,"sentiment":"neutral","sentiment_score":0.003887043833466513},{"text":"Probably between 30 and 35 at the moment.","start":2497.8152,"end":2501.5952,"sentiment":"neutral","sentiment_score":-0.0036397670628502965},{"text":"I mean, the the value the value on these, they go up all the time.","start":2502.935,"end":2507.0151,"sentiment":"neutral","sentiment_score":0.07224167796472708},{"text":"They never go down.","start":2507.0151,"end":2508.155,"sentiment":"neutral","sentiment_score":-0.010896469466388226}],"sentiment":"neutral","sentiment_score":0.02988490286017103,"num_words":35,"start":2491.76,"end":2508.155},{"sentences":[{"text":"Yeah.","start":2510.22,"end":2510.62,"sentiment":"neutral","sentiment_score":0.06401264667510986},{"text":"But, like, if I was, like, to sell it now, I wouldn't I wouldn't take less than 35 for it.","start":2510.62,"end":2516.06,"sentiment":"neutral","sentiment_score":-0.018847033381462097},{"text":"So No.","start":2516.06,"end":2524.455,"sentiment":"neutral","sentiment_score":0.044413868337869644},{"text":"Just this is that's just that's my dream car.","start":2524.455,"end":2528.535,"sentiment":"neutral","sentiment_score":0.17725923740201527},{"text":"I've wanted one since I was 11 or 12 and put me to my fifties to get to a point where, you know, I'd have done it for justified anyone.","start":2528.535,"end":2535.6199,"sentiment":"neutral","sentiment_score":-0.028940752148628235}],"sentiment":"neutral","sentiment_score":0.008113069159369315,"num_words":62,"start":2510.22,"end":2535.6199},{"sentences":[{"text":"I could be dead next week, so I just got it.","start":2535.6199,"end":2537.88,"sentiment":"neutral","sentiment_score":-0.2045385722409595},{"text":"And regardless what anyone says, it is an investment because it's worth more than I paid for it, and the value goes up each year.","start":2538.26,"end":2544.92,"sentiment":"neutral","sentiment_score":0.05174149677157402},{"text":"Yes.","start":2552.835,"end":2553.335,"sentiment":"neutral","sentiment_score":0.0449947752058506},{"text":"Yeah.","start":2555.075,"end":2555.395,"sentiment":"neutral","sentiment_score":0.030577216297388077},{"text":"That's my daily driver.","start":2555.395,"end":2556.615,"sentiment":"neutral","sentiment_score":0.03745388798415661}],"sentiment":"neutral","sentiment_score":-0.01740474599812712,"num_words":42,"start":2535.6199,"end":2556.615},{"sentences":[{"text":"It's it's a 2019 Dodge Ram, a Ram 1,500.","start":2556.675,"end":2564.4402,"sentiment":"neutral","sentiment_score":0.04334682640102175},{"text":"Easy.","start":2569.4602,"end":2569.9602,"sentiment":"neutral","sentiment_score":0.08172924816608429},{"text":"Easy.","start":2570.6602,"end":2571.1602,"sentiment":"neutral","sentiment_score":0.17474064230918884},{"text":"Yep.","start":2571.2202,"end":2571.7202,"sentiment":"neutral","sentiment_score":0.1704808920621872},{"text":"No.","start":2579.095,"end":2579.495,"sentiment":"neutral","sentiment_score":-0.09419450908899309}],"sentiment":"neutral","sentiment_score":0.05560597777366638,"num_words":13,"start":2556.675,"end":2579.495},{"sentences":[{"text":"No.","start":2579.495,"end":2579.895,"sentiment":"neutral","sentiment_score":-0.1004258245229721},{"text":"I it's no.","start":2579.895,"end":2581.655,"sentiment":"neutral","sentiment_score":-0.09303560356299083},{"text":"It's all I I rolled it all over into my mortgage, so I've only got the one payment.","start":2581.655,"end":2587.22,"sentiment":"neutral","sentiment_score":-0.023188244913601212},{"text":"So I own I own both vehicles.","start":2587.36,"end":2589.28,"sentiment":"neutral","sentiment_score":0.02367443298654897},{"text":"I own van.","start":2589.28,"end":2590.26,"sentiment":"neutral","sentiment_score":0.01876646839082241}],"sentiment":"neutral","sentiment_score":-0.017965643986826763,"num_words":32,"start":2579.495,"end":2590.26},{"sentences":[{"text":"The only payments that I have is basically my mortgage.","start":2590.6401,"end":2594.6602,"sentiment":"neutral","sentiment_score":-0.012026341818273067},{"text":"Yep.","start":2611.68,"end":2612.18,"sentiment":"neutral","sentiment_score":0.035811953246593475},{"text":"Yeah.","start":2628.7148,"end":2629.1948,"sentiment":"neutral","sentiment_score":-0.01665715128183365},{"text":"Yep.","start":2629.1948,"end":2629.6948,"sentiment":"neutral","sentiment_score":0.01642134226858616},{"text":"Yeah.","start":2639.0798,"end":2639.3198,"sentiment":"neutral","sentiment_score":0.017047181725502014}],"sentiment":"neutral","sentiment_score":-0.0048314351588487625,"num_words":14,"start":2590.6401,"end":2639.3198},{"sentences":[{"text":"That yeah.","start":2639.3198,"end":2639.88,"sentiment":"neutral","sentiment_score":0.025162722915410995},{"text":"It wouldn't hurt.","start":2639.88,"end":2640.52,"sentiment":"neutral","sentiment_score":0.04701456055045128},{"text":"I mean, things could change, but yeah.","start":2640.52,"end":2642.8599,"sentiment":"neutral","sentiment_score":0.006797359458037785},{"text":"At least it gives us an idea.","start":2642.92,"end":2644.8599,"sentiment":"neutral","sentiment_score":0.08459445488240037},{"text":"Yeah.","start":2666.055,"end":2666.555,"sentiment":"neutral","sentiment_score":0.03241274505853653}],"sentiment":"neutral","sentiment_score":0.043176228646188974,"num_words":20,"start":2639.3198,"end":2666.555},{"sentences":[{"text":"Yep.","start":2684.935,"end":2685.435,"sentiment":"neutral","sentiment_score":0.06707639992237091},{"text":"Yep.","start":2686.375,"end":2686.875,"sentiment":"neutral","sentiment_score":0.2333761900663376},{"text":"Yeah.","start":2700.25,"end":2700.65,"sentiment":"neutral","sentiment_score":0.030624154955148697},{"text":"Yep.","start":2700.65,"end":2701.15,"sentiment":"neutral","sentiment_score":0.06388874351978302},{"text":"Yep.","start":2701.21,"end":2701.71,"sentiment":"neutral","sentiment_score":0.09425325691699982}],"sentiment":"neutral","sentiment_score":0.097843749076128,"num_words":5,"start":2684.935,"end":2701.71},{"sentences":[{"text":"No.","start":2710.155,"end":2710.395,"sentiment":"neutral","sentiment_score":0.04970899969339371},{"text":"It's just mortgage and retirement.","start":2710.395,"end":2711.935,"sentiment":"neutral","sentiment_score":0.04249137006700039},{"text":"Just mortgage and retirement.","start":2712.7952,"end":2714.175,"sentiment":"neutral","sentiment_score":0.09460548125207424},{"text":"Yep.","start":2714.715,"end":2715.215,"sentiment":"positive","sentiment_score":0.36755985021591187},{"text":"Mhmm.","start":2720.475,"end":2720.975,"sentiment":"neutral","sentiment_score":0.1991305947303772}],"sentiment":"neutral","sentiment_score":0.10060651833191514,"num_words":12,"start":2710.155,"end":2720.975},{"sentences":[{"text":"No worries.","start":2751.36,"end":2752.02,"sentiment":"neutral","sentiment_score":0.13625840842723846},{"text":"Oh, good.","start":2764.4802,"end":2765.1401,"sentiment":"neutral","sentiment_score":0.17018096148967743},{"text":"Mhmm.","start":2775.235,"end":2775.735,"sentiment":"neutral","sentiment_score":-0.0024356599897146225},{"text":"No.","start":2802.025,"end":2802.345,"sentiment":"neutral","sentiment_score":-0.24866348505020144},{"text":"No.","start":2802.345,"end":2802.665,"sentiment":"neutral","sentiment_score":-0.3072134852409363}],"sentiment":"neutral","sentiment_score":0.007795158507568496,"num_words":7,"start":2751.36,"end":2802.665},{"sentences":[{"text":"Not at this time.","start":2802.665,"end":2803.465,"sentiment":"negative","sentiment_score":-0.4154494106769562},{"text":"Not.","start":2803.465,"end":2803.705,"sentiment":"neutral","sentiment_score":-0.3092935085296631},{"text":"So I think you just got covered everything.","start":2803.705,"end":2806.045,"sentiment":"neutral","sentiment_score":-0.11351780872792006},{"text":"Mhmm.","start":2810.425,"end":2810.925,"sentiment":"neutral","sentiment_score":0.27456414699554443},{"text":"Yep.","start":2826.89,"end":2827.335,"sentiment":"neutral","sentiment_score":0.28472548723220825}],"sentiment":"neutral","sentiment_score":-0.1546629324555397,"num_words":15,"start":2802.665,"end":2827.335},{"sentences":[{"text":"Cool.","start":2827.575,"end":2828.075,"sentiment":"positive","sentiment_score":0.6647009253501892},{"text":"Yep.","start":2828.935,"end":2829.435,"sentiment":"positive","sentiment_score":0.56671541929245},{"text":"Mhmm.","start":2833.415,"end":2833.915,"sentiment":"positive","sentiment_score":0.4913465976715088},{"text":"No worries.","start":2847.93,"end":2848.41,"sentiment":"positive","sentiment_score":0.4128752797842026},{"text":"Thank you very much.","start":2848.41,"end":2849.47,"sentiment":"positive","sentiment_score":0.7690985053777695}],"sentiment":"positive","sentiment_score":0.6249897248215146,"num_words":9,"start":2827.575,"end":2849.47},{"sentences":[{"text":"Alright.","start":2852.89,"end":2853.2898,"sentiment":"positive","sentiment_score":0.3618506193161011},{"text":"No worries.","start":2853.2898,"end":2853.8499,"sentiment":"neutral","sentiment_score":0.3053065985441208},{"text":"Cheers.","start":2853.8499,"end":2854.3499,"sentiment":"positive","sentiment_score":0.5748053789138794},{"text":"Alright.","start":2855.3699,"end":2855.8699,"sentiment":"neutral","sentiment_score":0.2594079375267029},{"text":"Bye bye.","start":2856.0098,"end":2856.75,"sentiment":"neutral","sentiment_score":0.04144499823451042}],"sentiment":"neutral","sentiment_score":0.2699381613305637,"num_words":7,"start":2852.89,"end":2856.75}]}}]}],"paragraphs":{"transcript":"\nChannel 1: OsmoFlow. Maddie speaking.\n\nChannel 0: Hi, Matthew. It's Dana from Oku Financial. How are you today?\n\nChannel 1: Good. Thanks. Good. Thanks.\n\nChannel 0: That's good. I had you booked in to go through a bit of an annual review today. Isn't\n\nChannel 1: Yep.\n\nChannel 0: that still a good time? Yeah?\n\nChannel 1: Yeah. Yeah. Yeah. I need to get it out of the way. So\n\nChannel 0: No. That's okay. Not a problem at all. How's your morning been so far?\n\nChannel 1: Busy. I just come back from site. So I'm\n\nChannel 0: Oh,\n\nChannel 1: just\n\nChannel 0: wow.\n\nChannel 1: Got doing renovations downstairs and trying to get finished.\n\nChannel 0: You've got a lot going on at the moment.\n\nChannel 1: Always.\n\nChannel 0: No. All good. Well, I'll try not to take up too much of your time. Just been having a bit of a look through. I wanna do a bit of a annual review with you as well.\n\nAnd just sort of see what your goals are and whether we need to maybe look at updating the advice for you. Okay? Yeah. You're alright.\n\nChannel 1: Yeah. I just I just want Whatever is best, I guess. So\n\nChannel 0: Yeah. No. Not a problem at all. Let's just sort of jump into things there for you, and we'll see what's happening. Obviously, you wanted to have a bit of a chat about your superannuation, see how things are going there.\n\nBut is there anything else you wanted me to sort of touch on with regard to the annual review today there, Matthew?\n\nChannel 1: No. All I wanna do is is, buddy, get my mortgage paid and and make sure everything's on track for me to retire.\n\nChannel 0: Yeah. Perfect. Excellent. Before we jump into the call and discuss any of your personal information there, I just need to let you know our calls are recorded moving forward for training and quality purposes.\n\nChannel 1: Yeah.\n\nChannel 0: Are you happy for me to continue with that yet?\n\nChannel 1: That's fine. It's just the same\n\nChannel 0: It's\n\nChannel 1: every everyone you talk to these days.\n\nChannel 0: yeah. It absolutely is. It's all good. And I just wanna do some quick security check with you as well just to confirm that your date of birth and address I should have on file.\n\nChannel 1: Yeah. 05/24/1972.\n\nChannel 0: Yep.\n\nChannel 1: 259 Bloomfield Street, Cleveland.\n\nChannel 0: Beautiful. Beautiful. Thank you so much for that, and happy birthday for eight days ago. I hope you had a good day.\n\nChannel 1: Yeah. Yeah. It was alright.\n\nChannel 0: All good. So, Matthew, just to sort of jump into things there for you. Now you did sort of mention you wanna be on track for retirement. We initially had in here that you wanted to access Luther at around about age 60. Is that still your goal age for retiring, or do you think you'll be working a bit longer?\n\nWhat's\n\nChannel 1: Yeah.\n\nChannel 0: your goal now?\n\nChannel 1: The way the government is running the country into the bloody ground, I'm probably working till I'm bloody 90.\n\nChannel 0: Hopefully\n\nChannel 1: But, anyway,\n\nChannel 0: not.\n\nChannel 1: I'd I'd like to whatever's gonna hit me, retire comfortably as soon as possible. So however that goes about.\n\nChannel 0: Yep. No. That's okay. Not a problem at all. And you mentioned that one of those things is to try and get your mortgage out of the way before you retire.\n\nHow much do you have left on that at the moment?\n\nChannel 1: A fair bit. I got, like, $490.\n\nChannel 0: Oh, okay. Perfect. 490,000 owing there. I had an asset value of the property estimated to be about 950,000. Would you increase that valuation at all?\n\nYes.\n\nChannel 1: Definitely. The house next door to me, same size block, high-tech house built around the same area as mine, and that went to just over 1.3\n\nChannel 0: Yeah.\n\nChannel 1: a few months\n\nChannel 0: Wow.\n\nChannel 1: ago.\n\nChannel 0: Wow. We'll definitely increase that valuation for you. Perfect.\n\nChannel 1: Well,\n\nChannel 0: Now with regards\n\nChannel 1: I'm renovating\n\nChannel 0: you're\n\nChannel 1: downstairs,\n\nChannel 0: a total.\n\nChannel 1: make a dual living and everything as well. So I'll get when it's all finished, I'll get it evaluated, but it'll it's\n\nChannel 0: Yeah.\n\nChannel 1: it'll be it'll be well over the mill.\n\nChannel 0: Yeah. Perfect. Lovely. And what's the plan with once you've done the renovations, making it dual living? Are you planning on renting that out to sort of help pay that down, or is it just for family to come visit?\n\nChannel 1: Yeah. I'd like to be able to, but it depends on, you know, depends on Yeah. Eventually, I'd I'd like you to do that to help help paint them. Yeah. Yep.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem at all. And have you ever have you considered to maybe or have you had your mortgage sort of reevaluated by a mortgage broker to see if there's maybe a better rate or a better way of trying to pay that down in the next couple of years? Or\n\nChannel 1: Not not this stage. I did a a while back, but then\n\nChannel 0: yeah.\n\nChannel 1: then we've just had the, you know, two or three by interest rate rises, and there's so, you know, not much I can do about that. All\n\nChannel 0: Yeah.\n\nChannel 1: all the banks, they're all the same. They're all pretty low.\n\nChannel 0: They are. Yeah.\n\nChannel 1: None they all pass the line even though they don't need to.\n\nChannel 0: Yeah. That's okay. Did you want me to maybe put you in touch with a mortgage broker to see if there's a way that they can maybe help you to look at reevaluating the loan and helping you pay that down a little bit faster?\n\nChannel 1: I I do have one that I go through.\n\nChannel 0: Yeah.\n\nChannel 1: He works, you know, for Aussie.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I'll probably probably have a chat with him\n\nChannel 0: Yeah.\n\nChannel 1: after getting tax back and everything. I'll probably try to open up a appointment with them and just see if there's something we\n\nChannel 0: A\n\nChannel 1: can\n\nChannel 0: way\n\nChannel 1: do.\n\nChannel 0: to help you out. Yeah. Absolutely. I mean, I was we see here from your last annual review that you are putting as much as you can onto your mortgage. All your excess sort of income is going on to the mortgage pay down faster.\n\nAnd that's definitely one way of making sure that you're, you know, trying to cut it out as quickly as possible. But\n\nChannel 1: Yep.\n\nChannel 0: with where you are at the moment, you do have about six years until you're realistically wanting to retire. It is a large sum to try and pay down in that time frame.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I I\n\nChannel 0: the\n\nChannel 1: don't\n\nChannel 0: likelihood of you going\n\nChannel 1: yeah.\n\nChannel 0: sorry.\n\nChannel 1: I\n\nChannel 0: You're\n\nChannel 1: can't\n\nChannel 0: right.\n\nChannel 1: I can't see myself for a time. See if that was just wishful thinking, I\n\nChannel 0: Wishful\n\nChannel 1: think.\n\nChannel 0: thinking, that's okay. Did you want me to work on maybe, say, 65 as a bit of a plan of attack here because you might have that mortgage a bit longer? In saying that, I mean, you are between the age of yeah. Up until the age of 60 with your sleep, so there's very limited sort of things we can do. It's more just making contributions, taking on more risk, and making sure your sleep is working harder and the investments you're invested in.\n\nBut once you actually get to the age of 60, there's also some other strategies we can put in place where we can help you to increase contributions in without affecting your take home pay and things like that. So there are other strategies between 60 to 65 that can help you super whilst keeping your take home pay the same, helping to lower taxable income, and things like that that we can also put into into play for you.\n\nChannel 1: Well,\n\nChannel 0: We'll\n\nChannel 1: anything\n\nChannel 0: go into\n\nChannel 1: that\n\nChannel 0: a lot.\n\nChannel 1: would anything that\n\nChannel 0: Yeah.\n\nChannel 1: can help, I\n\nChannel 0: Yeah. Absolutely. We'll have a lot more of a\n\nChannel 1: guess.\n\nChannel 0: detailed conversation when you are closer to 60 because you're still 60 is up at the moment. But\n\nChannel 1: Well, I've\n\nChannel 0: right\n\nChannel 1: just\n\nChannel 0: now\n\nChannel 1: I've just turned 54. So\n\nChannel 0: yeah. Yeah. Correct. Yeah. But what I would probably suggest now at the moment is more contributions at the super don't feel like they're really in your comfort level.\n\nYour main priority at the moment is your mortgage. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: But\n\nChannel 0: Yes. That's okay.\n\nChannel 1: but I want I want my super working hard for me, of course.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. And, look, at the moment, I'm both we are actually going through this. I do actually have your super balance here in front of me. So having a look at things at the moment, the\n\nChannel 1: Is\n\nChannel 0: super\n\nChannel 1: that\n\nChannel 0: balance now yeah.\n\nChannel 1: yeah. Go ahead.\n\nChannel 0: Sorry. You're right. You got a 184,778 so I'm sorry. A hundred and eighty four thousand seven hundred and eighty five. So you have definitely gone up from the last year there when you consider the return.\n\nSo any income and growth within the fund after fees have been taken out, including our ongoing service\n\nChannel 1: Yep.\n\nChannel 0: fee, you're\n\nChannel 1: Yep.\n\nChannel 0: up by 12.01%. So\n\nChannel 1: I've\n\nChannel 0: looking\n\nChannel 1: also got\n\nChannel 0: all on\n\nChannel 1: I've also can you\n\nChannel 0: us,\n\nChannel 1: see my defense what I've got in my defense super at the moment?\n\nChannel 0: we have an updated balance as of last year, which is the 383,000,\n\nChannel 1: Yeah.\n\nChannel 0: but we are just waiting for them to send us an updated statement. They've had a few issues with their system. So the statement didn't unfortunately come through in time here, but my team is on the phone with them at the moment trying to kinda get the updated balance. I'll just see if anything's come through for you because I did wanna try and give you the one.\n\nChannel 1: Because it means\n\nChannel 0: No.\n\nChannel 1: yeah. Because it it means I'd have\n\nChannel 0: Yeah. Your balance is much higher when you consider the military super side of things.\n\nChannel 1: yeah,\n\nChannel 0: And\n\nChannel 1: it means\n\nChannel 0: with\n\nChannel 1: I'd I'd have for close to $500.\n\nChannel 0: yeah. Well, if I focus on the balance that we had here last year, which is at $3.83 plus the balance that we've got here at the moment with the $1.84 $7.08 5, it's sorry. 3384785. So it's a bit over $560,000 between the two at the moment.\n\nChannel 1: Was it 560?\n\nChannel 0: And military 560 for\n\nChannel 1: Okay.\n\nChannel 0: 5\n\nChannel 1: Yep.\n\nChannel 0: six\n\nChannel 1: No worries.\n\nChannel 0: zero.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: No worries.\n\nChannel 0: So, realistically, a military super isn't in isn't sort of it's not invested the way your current super is in hub 20 '4.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I know. It\n\nChannel 0: it\n\nChannel 1: it\n\nChannel 0: is\n\nChannel 1: does,\n\nChannel 0: essentially indexed at a certain rate of return every year. Yeah.\n\nChannel 1: yeah, it does it does grow quite well. But, yeah,\n\nChannel 0: It\n\nChannel 1: it's\n\nChannel 0: does.\n\nChannel 1: but as usable and and, you know, adjusting things, it's mainly after work on this my other my normal sleeper.\n\nChannel 0: Yeah. That's correct. Yeah. Definitely. So I have had a really good look at your performance at the super.\n\nIt has done really well. You've had a 12% return, which is fantastic. I have just gone back and had a really good look at the investments underlining in there. At the moment, they are all performing quite nicely. I would, however, like to do a little bit of an adjustment.\n\nYou do have the Bennelong Estate in equities in there, which\n\nChannel 1: Mhmm.\n\nChannel 0: was added originally as they're meant to be an actively managed fund. That investment, unfortunately, has underperformed a little bit in the last few months, so I would like to remove that out of your portfolio. Because you are sort of in the realm of closer to retirement in your fifties there,\n\nChannel 1: Yep.\n\nChannel 0: we have two options on what we can look to replace that with. I can replace that investment with something else that's meant to be actively managed. Actively managed funds are where the investment money is trying to outperform against the market. And they don't always outperform against the market, and it does cost a bit more. You do pay a higher fee to have those sorts of investment managers in your portfolio.\n\nOr if you like, I can look at something that's a bit more cheaper. A low cost investment is probably more passively managed, so it's more about participating in the market and tracking a certain indices and might be a bit more lower cost and can actually perform better than those actively managed funds at the same time. What would you like me to focus on?\n\nChannel 1: I like the idea of paying less fees\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: because\n\nChannel 0: So\n\nChannel 1: every\n\nChannel 0: I'll look at\n\nChannel 1: every\n\nChannel 0: a low\n\nChannel 1: fee\n\nChannel 0: cost.\n\nChannel 1: that gets paid is is a little bit less than I get in your retirement. So\n\nChannel 0: Yes. No. Absolutely. Not a problem at all. So what I'll do is I'll look at a low cost index fund there for you.\n\nI'll look at replacing it, look at what has been performing better, and\n\nChannel 1: yep.\n\nChannel 0: I'll update the advice and do a bit of an investment switch there for you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Fantastic. Now while we are sort of looking at the investment side of things there, just wanted to sort of find out. So when we're looking at your goal, you you would like to retire at 60 as a main preferable amount. Are you comfortable with me worth beyond, say, 65 just so we can hopefully get the mortgage\n\nChannel 1: Yeah.\n\nChannel 0: down\n\nChannel 1: Yeah.\n\nChannel 0: a little\n\nChannel 1: That\n\nChannel 0: bit more in that time frame?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: It'll be\n\nChannel 0: Yep.\n\nChannel 1: more more realistic.\n\nChannel 0: That's okay. That's not a problem at all. So we'll work on that age for you. Beautiful. Now the other thing to sort of consider is, obviously, markets go up and down.\n\nYour military super isn't affected by market changes, which is a good thing. It's more of a defensive investment because it grows with their internal rate of return.\n\nChannel 1: Yep.\n\nChannel 0: But with your hub 24, with what we are seeing at the moment and you probably look at the news. You see what's happening between The US and Iran and how that's affecting things in Australia.\n\nChannel 1: Yeah.\n\nChannel 0: And then you've mentioned the interest rates have been increasing heavily, and we still have very high inflation here in Australia at the moment. So we are kinda being hit on two levels. When you sort of think about your super and hub '24, and if we saw see a dip in the next sort of one to two or even the next five years of a five or 10 or 20% dip, how's that gonna make you feel?\n\nChannel 1: Well, obviously, not good. But, you know, it's out out of\n\nChannel 0: Mhmm.\n\nChannel 1: my control, but you know what I mean?\n\nChannel 0: Yep. Yep. One of the things to consider is when we're looking at it the way we're invested is making sure we're taking on the level of risk we're comfortable to take on in order to get good returns, but\n\nChannel 1: Yep.\n\nChannel 0: that we're aware that taking on more risk means that in the shorter term, we can be affected more by a downturn. So\n\nChannel 1: Yeah. Or\n\nChannel 0: when\n\nChannel 1: bigger\n\nChannel 0: you're\n\nChannel 1: gains\n\nChannel 0: in\n\nChannel 1: or can also mean bigger losses.\n\nChannel 0: absolutely. Absolutely. And at the moment, having a look at things, so you're in a high growth portfolio, and you were happy to stay there last year, and that's absolutely fine if you are. But, essentially, because you are getting closer to accessing super, there is generally a point where we wanna sort of step down the risk level a little bit and start to maybe reduce our risk in smaller increments. Reducing the risk level can mean reducing your returns.\n\nHowever, lower risk portfolios have times where they perform greater than high growth portfolios do, so it's really more of a preference to you. The high growth portfolio that you're in at the moment really suits someone who has at least eight years before they're wanting to access their super. You see\n\nChannel 1: Yes.\n\nChannel 0: that 90% of your funds invested in growth assets. So think things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 10% in low risk defensive investments like cash and bonds and fixed interest debt. With a high growth portfolio, the likelihood of a negative return is expected one in every sort of five years. So say over the next five years, staying in the same portfolio, you can expect a negative return, which can mean for a short period of time, the market takes a bit of a dip. You might have a negative five or 10% return in your super.\n\nAnd then before you wanting to access it, we just need to try and hold on, wait, work a little bit longer before starting to submit those losses and take money out of your super. The risk of that happening when you're, say, 60, 61, 62, 63, the risk is quite high in these sorts of portfolios. So my sort of job today is to work out whether staying high growth is comfortable for you, whether you're happy with that risk, or whether you wanna start maybe reducing it back a little bit. Does that make sense?\n\nChannel 1: Yeah. Well, you guys are the experts. So what would be your recommendation?\n\nChannel 0: Well, let's go through a couple of questions just to sort of see how you're feeling, and then I can let you know sort of what it looks like to me. If you did over the next, say, five years, see a big 20% drop in your sofa, are you wanting to or willing to work longer to say age 65, 67, or 70 to be able to allow your portfolio to recover,\n\nChannel 1: Well,\n\nChannel 0: or would you still wanna be stopped stopped working?\n\nChannel 1: I'd I'd really don't wanna be still working at 70.\n\nChannel 0: Mhmm. I said it answer.\n\nChannel 1: But\n\nChannel 0: I don't blame you at all. That's absolutely\n\nChannel 1: yep.\n\nChannel 0: fine.\n\nChannel 1: I I don't even wanna be working at 65, but that is more realistic.\n\nChannel 0: No. That's okay. So a big market drop would probably, say, concern you a little bit. You'd probably be wanting to call us and see what we can do or what we need to do to try and wait it out. You'd be comfortable waiting it out, but not for a long period of time.\n\nDoes\n\nChannel 1: Yeah.\n\nChannel 0: that sound right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Pretty much.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: definitely\n\nChannel 0: That's\n\nChannel 1: don't wanna\n\nChannel 0: absolutely\n\nChannel 1: be working\n\nChannel 0: fine.\n\nChannel 1: a 70. That's for sure.\n\nChannel 0: No. Absolutely fine. That's all good. Now when we look at the expected returns that we're sorta after when it comes to markets, when you're in that kinda high growth environment, you are chasing returns. And this sort of portfolio is chasing returns at about 8% eight to 10% on a yearly basis.\n\nSo this year, with a 12% return, even though one of your investments has been underperforming a little bit, you've actually exceeded that eight to 10% return, which is good. I think your portfolio has overperformed the expectation.\n\nChannel 1: Good.\n\nChannel 0: But it also does sort of mean that if you decide to take on a little bit more risk in the market, the returns as I said before, they don't always drop. They can get greater returns than what is expected. It's more just what the expectation is out of the portfolio based on past and previous performance. If you were to sort of look at dropping down, we could even do it slower just in smaller increments, maybe 10% at a time. So you go from high growth to growth now.\n\nThat season 80% split between those growth to defensive assets. And then in a couple of years' time, we maybe take a little bit more of a step back. Thinking about the returns that you've got this year, the expectation around a eight to 10% return, would you be comfortable maybe reducing back by 10%, or do you want it to stay in high growth for maybe another year and see how we go?\n\nChannel 1: Yeah. I guess it's a bit because there's so much shit going on in the world and everything at the moment. And\n\nChannel 0: That's that's one of the big things that I've been noticing this year is that a lot of people come out and go, yeah. Cool. I'm happy to stay high growth. I want really good returns. But then with what's happened this year, when you sort of look at it, the market has a very heavy drop in around about between the twenty sixth and March 28.\n\nWe saw quite a large dip, and that's sort of taken a bit of an effect on a lot of people's portfolios. And no\n\nChannel 1: Yep.\n\nChannel 0: one knows how long this war is gonna go for. We could see another large dip coming in the future. There's\n\nChannel 1: Well, may maybe a maybe a small reduction\n\nChannel 0: yeah.\n\nChannel 1: then for the\n\nChannel 0: Yeah.\n\nChannel 1: next year, and then we'll see how things are going next year.\n\nChannel 0: Yeah. That's okay. I've had a bit of a look, and with what we're sort of talking about at the moment, the way we are sort of going, you have scored in that risk profile as a growth investor. So it does mean sort of dropping that back by that 10%. It it's, as I said, only a 10% drop in the risk value.\n\nSo you go from having 90% in those growth assets to 80%. You're still retaining quite a lot of it. It's just kinda stepping down gradually and putting a little bit of protections in place there because of the unknowns, and there's nothing wrong with doing so.\n\nChannel 1: Yep.\n\nChannel 0: In the growth portfolio, we're still chasing returns at between seven to 9%. You're still wanting a good compounded annual rate of return there.\n\nChannel 1: Yeah.\n\nChannel 0: You still can expect a negative return for the one in five, but it becomes a bit less likely. And the suggested time frame for this portfolio is about six years. So, realistically, all going well, if it's age of 60, you said to me, hey. I do wanna retire. I wanna stop working.\n\nLet's make it happen. We absolutely can. And this portfolio sort of steps you forward over the next six years to be able to do that. I would still, if you're about one to two years out, be wanting to then reduce the risk even further. But for now, would you be comfortable if I just look at bringing it down a little bit?\n\nBecause you are getting closer to it. It gives you the option,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and and we\n\nChannel 1: We'll\n\nChannel 0: can\n\nChannel 1: go\n\nChannel 0: sort\n\nChannel 1: we'll\n\nChannel 0: of\n\nChannel 1: go\n\nChannel 0: look\n\nChannel 1: with\n\nChannel 0: at what\n\nChannel 1: that.\n\nChannel 0: happens.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: We'll go with that.\n\nChannel 0: Beautiful. Sorry. It's probably not a conversation you've had before. It's something that I'm having a lot at the moment. Just sort of talking realistic terms about where everyone scores, where everyone is invested, and what that kind of means because there's nothing wrong with wanting to reduce your risk level.\n\nI've got forty year olds on my book who don't wanna be in high growth anymore, so it's honestly not a problem at all.\n\nChannel 1: Okay.\n\nChannel 0: And with the military super side of things, so I'm actually quite well versed in military super. It's something I do look at quite regularly. With that, obviously, you do have the option of accessing some of that out at that age 55, but there are higher tax consequences for doing so and limitations around how much you can access and how you can access.\n\nChannel 1: Yeah. I\n\nChannel 0: Are\n\nChannel 1: wouldn't\n\nChannel 0: you\n\nChannel 1: I wouldn't wanna be I wouldn't wanna be utilizing that unless it was gonna be something that was gonna\n\nChannel 0: yep.\n\nChannel 1: obviously obviously, be because it's such a good thing, it and it grows\n\nChannel 0: Yep.\n\nChannel 1: every year. It's it's, like, reliable.\n\nChannel 0: Yep.\n\nChannel 1: I I wouldn't wanna dip in that use any of unless there was, you know, there was pretty strong confidence in in it, if you know what I mean.\n\nChannel 0: Yeah. Yeah. Absolutely. And because of the type of suit that it is, there are tax consequences between even when you retire, there\n\nChannel 1: Yep.\n\nChannel 0: is tax payable on the drawdown. So what I've been sort of looking at doing with a lot of my older clients is looking at retaining that until the age of 60. Because 60 is preservation age.\n\nChannel 1: Yeah.\n\nChannel 0: You have a\n\nChannel 1: I\n\nChannel 0: lot\n\nChannel 1: don't\n\nChannel 0: more\n\nChannel 1: wanna\n\nChannel 0: control,\n\nChannel 1: be giving\n\nChannel 0: and\n\nChannel 1: the government\n\nChannel 0: the tax\n\nChannel 1: anything that I don't have to. They take enough from you.\n\nChannel 0: absolutely. Absolutely. From the age of 60, because the tax consequences are significantly lower and they're basically the lowest that they do get over\n\nChannel 1: Yeah.\n\nChannel 0: the time of holding a military super, I can then look at looking at whether we retain military super and draw a pension down from that for the lifetime or whether we roll it in and combine it to the hub 20\n\nChannel 1: Yeah.\n\nChannel 0: four account.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: mean, we got a\n\nChannel 0: I've\n\nChannel 1: couple\n\nChannel 0: been\n\nChannel 1: years\n\nChannel 0: kind\n\nChannel 1: before\n\nChannel 0: of weighing\n\nChannel 1: I can\n\nChannel 0: up\n\nChannel 1: worry\n\nChannel 0: the options.\n\nChannel 1: about that anyway.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Oh, actually,\n\nChannel 0: It's something\n\nChannel 1: you want\n\nChannel 0: I've been\n\nChannel 1: actually,\n\nChannel 0: yeah. You're\n\nChannel 1: I've\n\nChannel 0: right.\n\nChannel 1: got I've got a year before I can even think about that because I'll look at it again next year because I'm 55 next year. So if there's\n\nChannel 0: Yep.\n\nChannel 1: something that's, like, an opportunity or something that looks good around about then, but we can we can talk about that next year, but\n\nChannel 0: Yeah.\n\nChannel 1: when I\n\nChannel 0: Yeah.\n\nChannel 1: when I\n\nChannel 0: No.\n\nChannel 1: am\n\nChannel 0: That's\n\nChannel 1: 50\n\nChannel 0: okay.\n\nChannel 1: five. But but the\n\nChannel 0: That's\n\nChannel 1: chances\n\nChannel 0: okay.\n\nChannel 1: are, I probably I probably still be leaving it because I I don't wanna be giving the government any more tax than I have to.\n\nChannel 0: No. No. Unfortunately, the taxes are still quite high. I mean, realistically, I would more than be comfortably telling you that I would wanna hold that as it is until the age of 60 if preferable.\n\nChannel 1: Yep. Yep.\n\nChannel 0: From the age of 55, you can't take it as a lump sum. You can only take a fortnightly pension amount, and the tax treatment currently as is at your standard marginal tax rate. So if you're still earning an income and you're on a higher tax rate because of your income, the the employer benefit in there is an untapped element. So they charge tax at your marginal tax rate, which reduces how much you could get. If you were\n\nChannel 1: Yep.\n\nChannel 0: to hold off to the age of 60 and draw a pension there, they essentially give you an offset. So it's a much lower amount,\n\nChannel 1: Yep.\n\nChannel 0: and even taking your lump sum's available at that point. And\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: I'll\n\nChannel 0: I've been\n\nChannel 1: I'll\n\nChannel 0: doing\n\nChannel 1: probably\n\nChannel 0: with a\n\nChannel 1: likely\n\nChannel 0: lot of\n\nChannel 1: won't be\n\nChannel 0: hold off\n\nChannel 1: we\n\nChannel 0: yeah.\n\nChannel 1: can talk about it again next year in case something's changed, but I'll probably\n\nChannel 0: Yeah.\n\nChannel 1: change that. I won't be touched on that until '60 anyway.\n\nChannel 0: Much later. Yeah. Perfect. Perfect. And even if 60 is worth, I'll do the research then for you again just to sort of see what the options are and\n\nChannel 1: Yep.\n\nChannel 0: what the best option is and provide the financial advice for you on whether we retain, whether we move it, what happens. It all just comes down to a lot of your goals as well, but it is something that we can touch on moving forward as often as you need to. Okay?\n\nChannel 1: No worries. Yep.\n\nChannel 0: Beautiful. And my team members have come back. They're still on hold with military super. They're still having some issues. So after the call, I will send you an annual review pack.\n\nI'll have an updated balance in there for you. Okay?\n\nChannel 1: Okay. I mean,\n\nChannel 0: Excellent.\n\nChannel 1: I I know I know\n\nChannel 0: Alright.\n\nChannel 1: there's what was it? $3.80 or April?\n\nChannel 0: We had $3.80\n\nChannel 1: Three\n\nChannel 0: last\n\nChannel 1: eight.\n\nChannel 0: year,\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: I\n\nChannel 0: there's\n\nChannel 1: know it's\n\nChannel 0: definitely\n\nChannel 1: I know\n\nChannel 0: gonna\n\nChannel 1: it's\n\nChannel 0: be\n\nChannel 1: over\n\nChannel 0: more than that. Yeah.\n\nChannel 1: I know it's over $3.80, so it gives me an\n\nChannel 0: Yeah.\n\nChannel 1: idea in my head. So\n\nChannel 0: Yeah. Absolutely. No. Not a problem at all. I'll make sure we have that document updated in there for you to review when\n\nChannel 1: no\n\nChannel 0: the email\n\nChannel 1: worries.\n\nChannel 0: comes through shortly. So I'll go back just to kinda recap. We'll look at reducing your risk profile just a little bit there. I'll look at removing the underlying investment that's underperforming and replace it with something a bit more low cost for you that has been performing a bit better and try to diversify your portfolio as much as possible. Does that sound okay for you, Matthew?\n\nChannel 1: Yes. Yes. It does.\n\nChannel 0: Yep. Fantastic. Excellent. Now the other thing to sort of just touch base on is the insurance side of things. So you don't have any life or TPD.\n\nI know last year that was sort of touched on you were comfortable with that. In the event of passing, your super is paid out. The military super also does get paid out to your beneficiaries there.\n\nChannel 1: Yep.\n\nChannel 0: I have your beneficiaries noted down here with the three of them. So we've got sorry. Here it\n\nChannel 1: Emma\n\nChannel 0: is.\n\nChannel 1: Hodges, Hannah Hodges, and Marie Hodges.\n\nChannel 0: I do. Yes. Marie is noted as other dependent. Who's Marie\n\nChannel 1: She\n\nChannel 0: to you? What's the\n\nChannel 1: she's\n\nChannel 0: relationship?\n\nChannel 1: my sister.\n\nChannel 0: Okay. Has anyone kinda gone through the legislative requirements around what beneficiaries are and who can be nominated?\n\nChannel 1: Well, not really, but my sister is also she also has enduring power of attorney.\n\nChannel 0: Okay. So with the beneficiaries inside Super, in order to be a beneficiary, essentially, it has to fit a certain criteria. It can only be nominated as your spouse, your children, or someone who is a financial dependent on you, someone who relies on you for financial support to pay their day to day bills and for financial support, essentially.\n\nChannel 1: Well, it's\n\nChannel 0: So\n\nChannel 1: mine.\n\nChannel 0: your\n\nChannel 1: I\n\nChannel 0: children\n\nChannel 1: should be able to leave it to whoever I mean, I could leave it to my neighbor if I wanted. I can't see why they got rules about who you leave it to. It's my money.\n\nChannel 0: absolutely. And it all comes down to the tax consequences, essentially. So under the legislation, they have these rules where you can only leave it to certain people. Whilst you've\n\nChannel 1: Yep.\n\nChannel 0: got Marie on there as a dependent, which is fine, it does come down to it's sitting there at the moment. If she does if you were to pass away and she was to go on claim, your two children would have no problem. They would be able to claim. However,\n\nChannel 1: Yep.\n\nChannel 0: the trustee would come back and tell her her nomination is invalid, and the portion that she was to be able to claim would go through and be put through in test date, and that would make it very difficult for her. So to make it\n\nChannel 1: So\n\nChannel 0: easier\n\nChannel 1: what's\n\nChannel 0: yes.\n\nChannel 1: Yeah. Sorry. That's\n\nChannel 0: No. It's definitely\n\nChannel 1: it's\n\nChannel 0: fine.\n\nChannel 1: such\n\nChannel 0: It's\n\nChannel 1: bullshit.\n\nChannel 0: it's frustrating.\n\nChannel 1: That's\n\nChannel 0: Yeah.\n\nChannel 1: if I\n\nChannel 0: No.\n\nChannel 1: park\n\nChannel 0: It\n\nChannel 1: it next week, it's I've nominated that because that's where I want it\n\nChannel 0: is.\n\nChannel 1: to go. The majority of it to my kids and then some of it to my my\n\nChannel 0: Mhmm.\n\nChannel 1: sister.\n\nChannel 0: Yep.\n\nChannel 1: So this if there's government rules or something or whatever that stops me doing that, that's that's just, I hope, excuse language, but that's bloody bullshit. I I can't believe they got a right to yeah. Alright.\n\nChannel 0: No. That's okay. So that's why I wanted to bring this up with you so at least we can have the conversation because there is a way around it. You've mentioned that she is your power of attorney. So do you have a will drawn up as well?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. So the easiest way to get around this and, look, your children are completely fine to stay on there if you would like them to be. Children, if they are nontax dependent, do pay tax on receiving a death benefit. It's really silly.\n\nI don't think children should pay tax, but it's all part of the tax legislation in regards to super and insurance benefits. So you've got essentially one of two ways that we can look to do this, and I'm more than happy to help you to pre pre fill the form if you would like to. If you can leave both of your children to receive the 45% that they are now, and then the other 10% we can have nominated to your legal personal representative, which means that 10% goes from your super into\n\nChannel 1: Well,\n\nChannel 0: your\n\nChannel 1: that\n\nChannel 0: will.\n\nChannel 1: legal representative would be my sister because she's the enduring power of attorney.\n\nChannel 0: Yeah. But in their way of super, legal personal representative means estate. So it would go into your will, and then you can have that 10% paid out to your sister through your estate. The other\n\nChannel 1: Right.\n\nChannel 0: side or the other option is you can have the whole super benefit paid to your will through\n\nChannel 1: Yep.\n\nChannel 0: legal personal representing. So that with a 100%, this goes into your estate. And then through your will, you can nominate whatever percentage you want to, whoever you want. There's no restrictions that way.\n\nChannel 1: Well, that's already been stated in my will.\n\nChannel 0: Yep. So\n\nChannel 1: Which is\n\nChannel 0: did you\n\nChannel 1: exactly\n\nChannel 0: want me?\n\nChannel 1: as as it is on on there, the 45% paid to the my girls and then 10%\n\nChannel 0: Yep.\n\nChannel 1: to my sister.\n\nChannel 0: So if if you're doing it that way in your will and that's already pre stated, it's probably better to just do a 100% of your beneficiary nomination in your super to your estate. So everything goes to your will. It all gets lumped together and then paid out 45 percent each of your children and 10% to to your sister. That would probably, honestly, be the easiest way.\n\nChannel 1: Yep. Well, however however it has to be done, that's yeah. Because\n\nChannel 0: Yep.\n\nChannel 1: that that's the only way that's the only way I want it distributed.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yeah. That's\n\nChannel 1: and\n\nChannel 0: okay.\n\nChannel 1: that that and that's never gonna change. It'll\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: That's\n\nChannel 1: be\n\nChannel 0: absolutely\n\nChannel 1: 45\n\nChannel 0: fine.\n\nChannel 1: percent to each of the girls and then 10% to my sister.\n\nChannel 0: Yep. No. That's\n\nChannel 1: So\n\nChannel 0: absolutely fine. It's not a problem at all. It's more just making sure that you're aware that like, if this was to stay the way\n\nChannel 1: Mhmm.\n\nChannel 0: it was and you were to pass away next week, your children would come and make a claim and that would be fine. But when your sister tried to\n\nChannel 1: Right.\n\nChannel 0: make a claim, the trustee would come back and tell her that the claim isn't viable. They're not gonna pay the money, and that would make her life really, really difficult.\n\nChannel 1: Yes.\n\nChannel 0: So doing it this way can make things a lot easier. You've already got your will set up, which is great. You've got everything nominated in your will the exact same. So we can just set if you're comfortable with me, I can get my team to prefill a beneficiary nomination for you. We can post out.\n\nYou just need to get it signed and witnessed. The witness can't be the people that you're wanting to have paid. So\n\nChannel 1: Yep.\n\nChannel 0: Marie, Hannah, and Emma can't be the witnesses. If you got some two other people who can just sign it with you when you're signing it, then\n\nChannel 1: Yep.\n\nChannel 0: send\n\nChannel 1: No\n\nChannel 0: it\n\nChannel 1: worries.\n\nChannel 0: back to us, and we can have that applied. That way, if anything happens next week, you're super everything just goes directly to your estate through your will, and then\n\nChannel 1: Mhmm.\n\nChannel 0: it all just gets paid out. It all gets lumped together and paid out to your beneficiaries that way. Does that make sense?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. It's a much easier way for you to to deal with it, and it also means that there's less likely of a chance that, you know, your sister's gonna have any problems with the claim or get rejected with the claim at the same time.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Yep. Perfect. Now you do have it as a binding non lapsing nomination. It is a good way to have it because binding non lapsing means that you never have to fill another nomination document as long as it is filled out correctly and it reflects your wishes.\n\nAre\n\nChannel 1: Yep.\n\nChannel 0: you happy with us ticking the binding non lapsing box\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: pre\n\nChannel 1: I wanna\n\nChannel 0: filling\n\nChannel 1: keep\n\nChannel 0: the form\n\nChannel 1: it keep\n\nChannel 0: for\n\nChannel 1: it\n\nChannel 0: you?\n\nChannel 1: the same. Yep.\n\nChannel 0: Yep. Beautiful. And did you want us to post that to your email? What's easier for yourself?\n\nChannel 1: Probably probably easy if you post it.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem. I am really sorry. It's not not great to have to go through that, and I I'm terribly sorry no one's kinda pulled this up in the past about those nominations, but I do try to make sure that you're aware. Because as you said, if something happens next week, the last thing you want is your sister having to go to the rigmarole and being rejected\n\nChannel 1: Yes.\n\nChannel 0: and everything else\n\nChannel 1: Yes.\n\nChannel 0: there. So\n\nChannel 1: I mean,\n\nChannel 0: it's a\n\nChannel 1: no\n\nChannel 0: difficult\n\nChannel 1: one\n\nChannel 0: time.\n\nChannel 1: no one knows when\n\nChannel 0: Yeah.\n\nChannel 1: the number's up. So, yeah, we'll get\n\nChannel 0: No.\n\nChannel 1: that sorted.\n\nChannel 0: Correct. Absolutely. I'll take care of that one for you then, Matthew. It's not a problem at all. Okay?\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: That's alright. Other things to just kinda check on here, income wise, I had you earning about a 120,000 per annum. Have you been lucky enough to get a pay\n\nChannel 1: I'm on\n\nChannel 0: rise\n\nChannel 1: about I'm on a 100 and 130.\n\nChannel 0: recently? 130,000?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Excellent.\n\nChannel 1: I think it's actually a smidge over that that would would\n\nChannel 0: Yep.\n\nChannel 1: just say 130.\n\nChannel 0: That's fine. It's not a problem at all. Fantastic. And I have here you work for OsmoFlow. What's your\n\nChannel 1: Yes.\n\nChannel 0: actual title? What's your title at work?\n\nChannel 1: Service technician.\n\nChannel 0: Service technician. Perfect.\n\nChannel 1: I'm a electrician by trade, but but\n\nChannel 0: Yeah.\n\nChannel 1: so I do electrical as well, but my main role service technician. So because my main role now is basically water treatment. I'm looking after a reverse osmosis plant.\n\nChannel 0: Yeah. Wow. Fantastic.\n\nChannel 1: I'll break and maintain and all that. Yeah.\n\nChannel 0: Yeah. Wow. And you sort of sort of work week on week off. Is that how that works? Like, on-site?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: I fly\n\nChannel 0: Okay.\n\nChannel 1: at the site Thursday and\n\nChannel 0: Yeah.\n\nChannel 1: then fly home the next Thursday, and it just goes on like that.\n\nChannel 0: Wow. Well, at least you get a bit of downtime in between. And, I mean, at the moment, the downtime doesn't feel like downtime because you're renovating as well, but, hopefully,\n\nChannel 1: Well, we\n\nChannel 0: you\n\nChannel 1: gotta\n\nChannel 0: enjoy\n\nChannel 1: do\n\nChannel 0: some\n\nChannel 1: what\n\nChannel 0: downtime.\n\nChannel 1: we gotta do.\n\nChannel 0: That's it.\n\nChannel 1: But and I can't, yeah, I can't have a normal job because I wouldn't be able to I'll be struggling if I have a normal job, so I have to work.\n\nChannel 0: Yeah. That's that's okay. I also just need to update your next of kin on file. It looks like I don't have a next of kin.\n\nChannel 1: Yeah.\n\nChannel 0: Who would you wanna nominate as your next of kin? Would that be your sister or daughter? Yep.\n\nChannel 1: Yes. My sister.\n\nChannel 0: That's Marie. Beautiful. Well, do you know her phone number if I had it all?\n\nChannel 1: One moment.\n\nChannel 0: You're right.\n\nChannel 1: It is 0409367\n\nChannel 0: Yep. Yep.\n\nChannel 1: 534.\n\nChannel 0: 534. Fantastic. Thank you for that. Appreciate it. I think when we kinda got on to the beneficiary side of things, we're talking about the life cover.\n\nSo, realistically, not having any life cover at the moment means that your super benefit is paid out. It's the military super and you have 24, which, given the current balance at the moment, is a bit over 560,000 plus however much more than military super is boosted for. That would realistically cover your mortgage, you know, pay out the debts there and then be provided to your family as additional. Are you fairly comfortable with that level of cover if you were to pass away and what that would cover?\n\nChannel 1: Yeah. I guess so.\n\nChannel 0: Yep. That's okay. And, TB, like, you don't have any sort of permanent disability cover. Obviously, in your fifties, that sort of insurance does become more expensive. And if you were to be totally permanently disabled, never able to go back to work again, we can claim that against your super to have releasing there.\n\nAre you comfortable just not looking at having any new cover? You're happy with the the income protection that you've got? Or\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yep. Yep. That's okay. With the income protection that you do have at the moment, it does pay out a monthly benefit in the event of short term disability. 6,215 is the cover amount.\n\nThat's a pretax benefit. So say if you were to get, I'm estimating about, say, $5,600 on a monthly basis, in the shorter term for income protection, would that kinda cover your expenses?\n\nChannel 1: Well, I mean, my my mortgage alone, I pay I put 3,200 into that a month.\n\nChannel 0: Yep.\n\nChannel 1: That's it's about $200 more than I need to, but that that just means it helps\n\nChannel 0: Yeah.\n\nChannel 1: get it down quicker. That's I'll pay about\n\nChannel 0: Do\n\nChannel 1: $200\n\nChannel 0: you\n\nChannel 1: more than what I actually have to do because I'm trying to get down quicker.\n\nChannel 0: yeah. Is this more looking at, like, the income protection sum insured that you do have is good. It's not a bad sum insured by any means. It's we could look at getting more cover for you if you wanted to maximize the income protection, but it is expensive. It is paid out of your super, and having insurances paid out of your super does affect how much you have to retire on.\n\nSo it's more just about making sure that you've got the cover you want, but we're not eating away all of your super and ending up with nothing.\n\nChannel 1: Yeah.\n\nChannel 0: And, also, what your goals are? Did you wanna look at maybe income protection, or are you happy just with what you've got at the moment, hoping that you don't have to claim? What's your thoughts?\n\nChannel 1: Yeah. Probably just happy to leave it at the moment.\n\nChannel 0: Yep. Yep. It is very expensive, so I wouldn't increasing income protection could increase it over about $10,000 per year premium wise, because this year, you paid 5,685 for that. So it does get more and more expensive as you get older.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That's fine. We're happy to leave it as is. If you ever want us to sort of reevaluate it, let me know. There is the risk that it is more expensive,\n\nChannel 1: Yep.\n\nChannel 0: but it's more about making sure that you do have cover as well. One of the biggest risks that we take with having any insurances is that we have them and never claim on them, and then we cancel them, and\n\nChannel 1: Sorry.\n\nChannel 0: we pay\n\nChannel 1: You\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: lowest\n\nChannel 1: you just\n\nChannel 0: in premiums.\n\nChannel 1: you just cut out then. Sorry. I thought you went.\n\nChannel 0: Oh,\n\nChannel 1: That's\n\nChannel 0: so sorry.\n\nChannel 1: alright.\n\nChannel 0: The big the biggest risk we have with insurances is that we hold the insurances. We pay the premiums for years, and we never actually claim. So then we they just get canceled in the end anyway.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. But, I mean, hopefully realistically, we hope that you never have to claim on income protection. Do you have much sitting in your offset or redraw facility that you could sort of fall back on if you needed to for living expenses?\n\nChannel 1: Not at the moment because I've had to use it to do things.\n\nChannel 0: Expenses.\n\nChannel 1: But I've because\n\nChannel 0: Yeah.\n\nChannel 1: there's only, like I don't know. It's something it's it's over over a grand, I guess. And\n\nChannel 0: Mhmm.\n\nChannel 1: yeah. I also get I also get paid I also get DVA payments.\n\nChannel 0: Oh, do you? Okay. Perfect.\n\nChannel 1: But it that's and that's normally, I don't know, roughly $250 a fortnight or something like that.\n\nChannel 0: Okay. Perfect. That's something I didn't have noted down here, but that's really good to know. So $250 per fortnight from DBA. Excellent.\n\nChannel 1: Yeah. It's rough roughly about that.\n\nChannel 0: Yep. Beautiful. And, look, realistically, by not having any more income protection, you are still getting the DBA payments there as well.\n\nChannel 1: Yes.\n\nChannel 0: And when you do claim on income protection, they do tend to offset the sum insured by any payments that you are receiving, and DBA is included in a lot of those depending on the\n\nChannel 1: Mhmm.\n\nChannel 0: insurer. So if we looked at increasing it up to the level that you would realistically need, it could then be offset and reduced in the event of claim anyway. So\n\nChannel 1: Yeah.\n\nChannel 0: retaining that and keeping the DBA payments is good. It's giving you a bit more of an offset, which is good. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Excellent. I'll make a note of that. That's beautiful. Have the DBA payments increased at all over the last couple of months?\n\nChannel 1: No. I said I actually think it's close to the 280, but a fortnight. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. But it's it's I know it's a minimum of $2.50 a fortnight, but\n\nChannel 0: Yep.\n\nChannel 1: normally, it's\n\nChannel 0: Perfect.\n\nChannel 1: a little little bit more than that. But, you know, I like\n\nChannel 0: Perfect.\n\nChannel 1: to\n\nChannel 0: Yeah.\n\nChannel 1: bear on the side of less.\n\nChannel 0: Caution. Yeah. No. Absolutely. No.\n\nIt's fantastic. Thank you for updating that for me. I'll make sure we do have a note of that on file, which is great. Excellent. I've got down here that you were a social smoker about three a day.\n\nIs that still correct?\n\nChannel 1: Yeah. It's probably yeah. Yeah. Yeah. Probably a bit probably closer between five and ten, but yeah.\n\nChannel 0: Yep. Sorry. Depending on the day.\n\nChannel 1: Yeah. Depending what's going on. I mean, I I, you know, I might go days without nothing, and then, you know, and then I might have attend a function that'd be whoop up and, you know, if you drink, and then you have a bit more of it.\n\nChannel 0: Yeah.\n\nChannel 1: And, you know, it\n\nChannel 0: Yes.\n\nChannel 1: all averages out.\n\nChannel 0: Absolutely. Absolutely. No. All good. And I'm just gonna update here.\n\nIt says on here from the last back one, you didn't have a will updated. So I'm gonna note here that you do because you do have your will and power of attorney and everything set up, which is good.\n\nChannel 1: Yep.\n\nChannel 0: Other than that, everything else looks good. The only other assets to kinda check-in on I had a camper van. I'll see here with an asset value of 17,700. Do you still have the camper\n\nChannel 1: Yeah.\n\nChannel 0: van?\n\nChannel 1: I still have that.\n\nChannel 0: Yep.\n\nChannel 1: I also have a classic vehicle.\n\nChannel 0: Okay. Cool. What kind of vehicle?\n\nChannel 1: It's a 1959 FC Holden special sedan.\n\nChannel 0: Oh, nice.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: She's\n\nChannel 0: what's\n\nChannel 1: 60\n\nChannel 0: the\n\nChannel 1: six years\n\nChannel 0: asset\n\nChannel 1: old\n\nChannel 0: value?\n\nChannel 1: this year.\n\nChannel 0: Yeah. What's the value would you put on that one?\n\nChannel 1: Probably between 30 and 35 at the moment.\n\nChannel 0: Yep. Yep. Beautiful.\n\nChannel 1: I\n\nChannel 0: Is\n\nChannel 1: mean,\n\nChannel 0: it\n\nChannel 1: the\n\nChannel 0: something\n\nChannel 1: the\n\nChannel 0: you're\n\nChannel 1: value\n\nChannel 0: doing\n\nChannel 1: the\n\nChannel 0: up?\n\nChannel 1: value on these, they go up all the time. They never go down.\n\nChannel 0: Oh, absolutely.\n\nChannel 1: Yeah. But, like, if I was, like, to sell it now, I wouldn't I wouldn't take less than 35 for it. So\n\nChannel 0: Oh, perfect. Perfect. And is that kind of one of your things you wanna do in retirement and do up cars and things like that or travel,\n\nChannel 1: No.\n\nChannel 0: or what's\n\nChannel 1: Just\n\nChannel 0: your retirement\n\nChannel 1: this is\n\nChannel 0: plan?\n\nChannel 1: that's just\n\nChannel 0: Yep.\n\nChannel 1: that's my dream car. I've wanted one since I was 11 or 12 and\n\nChannel 0: Oh,\n\nChannel 1: put\n\nChannel 0: love\n\nChannel 1: me to\n\nChannel 0: that.\n\nChannel 1: my fifties to get to\n\nChannel 0: Yeah.\n\nChannel 1: a point where, you know, I'd have done it for justified anyone. I could be dead next week,\n\nChannel 0: Yeah.\n\nChannel 1: so I just got\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: No. That's\n\nChannel 1: regardless\n\nChannel 0: fantastic.\n\nChannel 1: what anyone says, it is an investment because it's worth more than I paid for it, and the value goes up\n\nChannel 0: Yeah.\n\nChannel 1: each year.\n\nChannel 0: Yep. Perfect. Perfect. And the other thing I have on here is another motor vehicle with a value of a 100,000. I\n\nChannel 1: Yes.\n\nChannel 0: assume it's the one that you drive all the time. What\n\nChannel 1: Yeah.\n\nChannel 0: kind of\n\nChannel 1: That's\n\nChannel 0: car\n\nChannel 1: my\n\nChannel 0: do\n\nChannel 1: daily\n\nChannel 0: you\n\nChannel 1: driver. It's\n\nChannel 0: yes.\n\nChannel 1: it's a 2019 Dodge Ram, a Ram 1,500.\n\nChannel 0: Yes. Perfect. Excellent. And value on that is about a 100,000. Would you keep it about\n\nChannel 1: Easy.\n\nChannel 0: the same? Yes.\n\nChannel 1: Easy. Yep.\n\nChannel 0: Beautiful. And I'm happy that you had a loan there of about 50,000 on that one. Do you still have that loan on the vehicle?\n\nChannel 1: No. No. I it's\n\nChannel 0: No. Paid off.\n\nChannel 1: no. It's all I I rolled it all over into my mortgage, so I've only got\n\nChannel 0: Yep.\n\nChannel 1: the one payment. So I own I own both vehicles. I own van. The only payments that I have is basically my mortgage.\n\nChannel 0: Yep. Yep. Perfect. Excellent. Excellent.\n\nWell, that looks like everything's all good there. So just to kinda recap, I'm looking at altering your portfolio. I'll reduce the risk level a bit for you, but also look at replacing the investment that hasn't been performing properly. I'll look at the overall risk of your portfolio\n\nChannel 1: Yep.\n\nChannel 0: and maybe rebalance if we need to as well. Because you are closer to retirement, do you want me to maybe look at the retirement asset down the track for you and see where we might be heading just to give you a bit of an idea? I can't factor in the military suit because they don't tell us what the CCI benefit\n\nChannel 1: Yeah.\n\nChannel 0: is that they\n\nChannel 1: Yep.\n\nChannel 0: increase by. But did you want me to just look at the hub 20 4 and see where we're tracking where we should be able to end up at maybe sixty, sixty five, and what that looks like down the track for you?\n\nChannel 1: Yeah. That yeah. It wouldn't hurt. I mean, things\n\nChannel 0: Yeah.\n\nChannel 1: could change, but yeah. At\n\nChannel 0: Yeah.\n\nChannel 1: least it gives us an idea.\n\nChannel 0: Absolutely. It's more just a limited scope sort of section of the advice that I look at when you're in your fifties, sort of look at where we're tracking with what we're working on now, and then we'll keep sort of reviewing that. I look down the track to see whether you might be eligible for any additional Centrelink benefits as well, and sort of see what kind of longevity we're hoping to get out of your super.\n\nChannel 1: Yeah.\n\nChannel 0: And it will not include your military super, so that'll obviously, you know, provide a greater effect. But I can I can look into that for you as part of the advice document, do a bit of limited scoping on there? Just to sort of show you where you're tracking for to, you know, give you a little bit more of an idea of what's down the road. Does that sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The only other thing I wanted to touch base on here was that you don't have any kind of insurances out of Super. You're not wanting to try and pay for any of the insurances outside of Super. It sounds like your cash flow is a bit tight. The mortgage is your main priority.\n\nIs that\n\nChannel 1: Yeah.\n\nChannel 0: right?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. That's okay. Not a problem at all. And is there any other goal that you might be wanting to achieve aside from the retirement aspect, building super, and\n\nChannel 1: No. It's just\n\nChannel 0: paying\n\nChannel 1: mortgage\n\nChannel 0: off your\n\nChannel 1: and\n\nChannel 0: mortgage?\n\nChannel 1: retirement.\n\nChannel 0: Yeah.\n\nChannel 1: Just mortgage\n\nChannel 0: That's\n\nChannel 1: and\n\nChannel 0: okay.\n\nChannel 1: retirement. Yep.\n\nChannel 0: That's absolutely fine. We'll get those beneficiaries updated for you and send them out, and I'll go\n\nChannel 1: Mhmm.\n\nChannel 0: working on the research for you there, Matthew. We are just gonna send through your annual review docs afterwards, which will have a copy of all the information that we've gone through with the reports, the balances of your super, the updated information around your income protection policy. I've also got on that document our financial services guide, which has a lovely picture of me, and I'm a full licensed adviser. So it'll have my registration information for you. If you ever wanted to look me up, my license number registered with Aptive is 1304394.\n\nChannel 1: No worries.\n\nChannel 0: Okay? The only other thing to let you know is we do as you are an ongoing client, we're updating the advice for you. The advice is updated with no additional fees, no implementation fees, or anything like that. As\n\nChannel 1: Oh,\n\nChannel 0: an\n\nChannel 1: good.\n\nChannel 0: ongoing client, you do pay us an ongoing service fee, so it's our job to update the advice and make sure that we're reflecting things and changing things for you as your life changes.\n\nChannel 1: Mhmm.\n\nChannel 0: The ongoing service fee is 1.65% per annum, so over the course of the year. Each month, it is deducted in smaller monthly increments, And the idea of the percentage based fee is it fluctuates with the market. So when your super is performing better, our fee is gonna increase. However, if the market takes a dip with what's happening globally, it means our fee takes a dip there with it. Does that make sense?\n\nAnd do you have any questions at all?\n\nChannel 1: No. No. Not at this time. Not. So\n\nChannel 0: No. That's\n\nChannel 1: I think you just got covered everything.\n\nChannel 0: beautiful. That was my goal for today was to touch base on all the things. I did a\n\nChannel 1: Mhmm.\n\nChannel 0: really good review of your file beforehand, and I wanted to sort of touch base on all those additional areas and make sure that everything was working for you. I'll go back and do some research, and my team will let you know when we have the advice ready to go. We'll come back and have a look at that together. Does that sound okay?\n\nChannel 1: Yep. Cool.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Well, I will let you go. You have an amazing afternoon. Enjoy your days\n\nChannel 1: Mhmm.\n\nChannel 0: off, and don't work too hard on the house. And I'll get stuck into those research and get those emails out to you. And, yeah, if there's anything else you need, please don't ever hesitate. Let me know. I'm more than happy to make time to have a chat.\n\nChannel 1: No worries. Thank you very much.\n\nChannel 0: Oh, thank you so much for your time. Enjoy your afternoon, Matthew.\n\nChannel 1: Alright. No worries. Cheers.\n\nChannel 0: See you later.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"OsmoFlow.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.03774823248386383},{"text":"Maddie speaking.","start":1.12,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.030638706870377064}],"sentiment":"neutral","sentiment_score":0.03300854874153932,"channel":1,"num_words":3,"start":0.48,"end":1.9399999},{"sentences":[{"text":"Hi, Matthew.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.10795480385422707},{"text":"It's Dana from Oku Financial.","start":3.36,"end":4.98,"sentiment":"neutral","sentiment_score":0.16152594685554506},{"text":"How are you today?","start":5.04,"end":6.1,"sentiment":"neutral","sentiment_score":0.18962157145142555}],"sentiment":"neutral","sentiment_score":0.16200232979926196,"channel":0,"num_words":11,"start":2.56,"end":6.1},{"sentences":[{"text":"Good.","start":6.64,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5599484443664551},{"text":"Thanks.","start":6.8799996,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6306835412979126},{"text":"Good.","start":7.2799997,"end":7.52,"sentiment":"positive","sentiment_score":0.6102707386016846},{"text":"Thanks.","start":7.52,"end":8.02,"sentiment":"positive","sentiment_score":0.6937680840492249}],"sentiment":"positive","sentiment_score":0.6236677020788193,"channel":1,"num_words":4,"start":6.64,"end":8.02},{"sentences":[{"text":"That's good.","start":8.559999,"end":9.44,"sentiment":"positive","sentiment_score":0.6354400217533112},{"text":"I had you booked in to go through a bit of an annual review today.","start":9.44,"end":12.24,"sentiment":"neutral","sentiment_score":0.14783909171819687},{"text":"Isn't","start":12.24,"end":12.48,"sentiment":"neutral","sentiment_score":0.028056204319000244}],"sentiment":"neutral","sentiment_score":0.19536236797769865,"channel":0,"num_words":18,"start":8.559999,"end":12.48},{"sentences":[{"text":"Yep.","start":12.32,"end":12.82,"sentiment":"neutral","sentiment_score":0.052275966852903366}],"sentiment":"neutral","sentiment_score":0.052275966852903366,"channel":1,"num_words":1,"start":12.32,"end":12.82},{"sentences":[{"text":"that still a good time?","start":12.48,"end":13.679999,"sentiment":"neutral","sentiment_score":0.09666170477867127},{"text":"Yeah?","start":13.679999,"end":14.179999,"sentiment":"neutral","sentiment_score":0.04071841388940811}],"sentiment":"neutral","sentiment_score":0.08733782296379407,"channel":0,"num_words":6,"start":12.48,"end":14.179999},{"sentences":[{"text":"Yeah.","start":13.905001,"end":14.225,"sentiment":"neutral","sentiment_score":0.02241959236562252},{"text":"Yeah.","start":14.225,"end":14.545,"sentiment":"neutral","sentiment_score":0.010758389718830584},{"text":"Yeah.","start":14.545,"end":14.785,"sentiment":"neutral","sentiment_score":-0.006574406288564205},{"text":"I need to get it out of the way.","start":14.785,"end":16.065,"sentiment":"neutral","sentiment_score":-0.06020726139346758},{"text":"So","start":16.065,"end":16.565,"sentiment":"neutral","sentiment_score":-0.004860037937760353}],"sentiment":"neutral","sentiment_score":-0.0400093703602369,"channel":1,"num_words":13,"start":13.905001,"end":16.565},{"sentences":[{"text":"No.","start":16.535,"end":16.775,"sentiment":"neutral","sentiment_score":-0.006539905443787575},{"text":"That's okay.","start":16.775,"end":17.575,"sentiment":"neutral","sentiment_score":0.04285908117890358},{"text":"Not a problem at all.","start":17.575,"end":18.455,"sentiment":"neutral","sentiment_score":0.14604753851890565},{"text":"How's your morning been so 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you.","start":677.19,"end":680.94995,"sentiment":"neutral","sentiment_score":0.13534536864608526}],"sentiment":"neutral","sentiment_score":0.14546353494127592,"channel":0,"num_words":24,"start":674.87,"end":680.94995},{"sentences":[{"text":"I'll look at replacing it, look at what has been performing better, and","start":680.94995,"end":684.94995,"sentiment":"neutral","sentiment_score":0.12608623332702196}],"sentiment":"neutral","sentiment_score":0.12608623332702196,"channel":0,"num_words":13,"start":680.94995,"end":684.94995},{"sentences":[{"text":"yep.","start":684.76,"end":685.26,"sentiment":"neutral","sentiment_score":0.13281062245368958}],"sentiment":"neutral","sentiment_score":0.13281062245368958,"channel":1,"num_words":1,"start":684.76,"end":685.26},{"sentences":[{"text":"I'll update the advice and do a bit of an investment switch there for you.","start":684.94995,"end":688.47,"sentiment":"neutral","sentiment_score":0.13915738662083943},{"text":"Okay?","start":688.47,"end":688.97,"sentiment":"neutral","sentiment_score":0.07325687259435654}],"sentiment":"neutral","sentiment_score":0.13503860449418426,"channel":0,"num_words":16,"start":684.94995,"end":688.97},{"sentences":[{"text":"Mhmm.","start":688.785,"end":689.285,"sentiment":"neutral","sentiment_score":0.10011975467205048}],"sentiment":"neutral","sentiment_score":0.10011975467205048,"channel":1,"num_words":1,"start":688.785,"end":689.285},{"sentences":[{"text":"Fantastic.","start":689.885,"end":690.385,"sentiment":"positive","sentiment_score":0.4711763560771942},{"text":"Now while we are sort of looking at the investment side of things there, just wanted to sort of find out.","start":691.245,"end":696.685,"sentiment":"neutral","sentiment_score":0.06891210424891185},{"text":"So when we're looking at your goal, you you would like to retire at 60 as a main preferable 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return.","start":724.605,"end":728.945,"sentiment":"neutral","sentiment_score":0.14883985370397568}],"sentiment":"neutral","sentiment_score":0.1687009550098862,"channel":0,"num_words":28,"start":721.165,"end":728.945},{"sentences":[{"text":"Yep.","start":729.32495,"end":729.82495,"sentiment":"neutral","sentiment_score":0.0369202233850956}],"sentiment":"neutral","sentiment_score":0.0369202233850956,"channel":1,"num_words":1,"start":729.32495,"end":729.82495},{"sentences":[{"text":"But with your hub 24, with what we are seeing at the moment and you probably look at the news.","start":729.39,"end":734.35004,"sentiment":"neutral","sentiment_score":-0.013919789250940085},{"text":"You see what's happening between The US and Iran and how that's affecting things in Australia.","start":734.35004,"end":738.53,"sentiment":"neutral","sentiment_score":-0.10218965273816139}],"sentiment":"neutral","sentiment_score":-0.053150839689705104,"channel":0,"num_words":36,"start":729.39,"end":738.53},{"sentences":[{"text":"Yeah.","start":739.2,"end":739.7,"sentiment":"neutral","sentiment_score":-0.0045626722276210785}],"sentiment":"neutral","sentiment_score":-0.0045626722276210785,"channel":1,"num_words":1,"start":739.2,"end":739.7},{"sentences":[{"text":"And then you've mentioned the interest rates have been increasing heavily, and we still have very high inflation here in Australia at the moment.","start":739.23004,"end":745.55505,"sentiment":"neutral","sentiment_score":-0.12018193739155929},{"text":"So we are kinda being hit on two levels.","start":745.55505,"end":748.215,"sentiment":"neutral","sentiment_score":-0.16447390367587408},{"text":"When you sort of think about your super and hub '24, and if we saw see a dip in the next sort of one to two or even the 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experts.","start":906.44,"end":908.22,"sentiment":"positive","sentiment_score":0.37962205708026886},{"text":"So what would be your recommendation?","start":908.51996,"end":911.875,"sentiment":"neutral","sentiment_score":0.2824693297346433}],"sentiment":"neutral","sentiment_score":0.32909015164925504,"channel":1,"num_words":13,"start":902.27997,"end":911.875},{"sentences":[{"text":"Well, let's go through a couple of questions just to sort of see how you're feeling, and then I can let you know sort of what it looks like to me.","start":912.785,"end":919.44,"sentiment":"neutral","sentiment_score":0.2686834055329523},{"text":"If you did over the next, say, five years, see a big 20% drop in your sofa, are you wanting to or willing to work longer to say age 65, 67, or 70 to be able to allow your portfolio to recover,","start":920.4,"end":936.475,"sentiment":"neutral","sentiment_score":-0.12155253706233841}],"sentiment":"neutral","sentiment_score":0.04416409609456585,"channel":0,"num_words":73,"start":912.785,"end":936.475},{"sentences":[{"text":"Well,","start":936.89,"end":937.39,"sentiment":"neutral","sentiment_score":-0.0806366503238678}],"sentiment":"neutral","sentiment_score":-0.0806366503238678,"channel":1,"num_words":1,"start":936.89,"end":937.39},{"sentences":[{"text":"or would you still wanna be stopped stopped working?","start":937.095,"end":939.995,"sentiment":"neutral","sentiment_score":-0.10626769728130764}],"sentiment":"neutral","sentiment_score":-0.10626769728130764,"channel":0,"num_words":9,"start":937.095,"end":939.995},{"sentences":[{"text":"I'd I'd really don't wanna be still working at 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absolutely","start":950.70996,"end":951.45,"sentiment":"neutral","sentiment_score":0.016349970050214324}],"sentiment":"neutral","sentiment_score":-0.10485891656389867,"channel":0,"num_words":8,"start":949.02997,"end":951.45},{"sentences":[{"text":"yep.","start":951.255,"end":951.755,"sentiment":"neutral","sentiment_score":0.03778377175331116}],"sentiment":"neutral","sentiment_score":0.03778377175331116,"channel":1,"num_words":1,"start":951.255,"end":951.755},{"sentences":[{"text":"fine.","start":951.58997,"end":952.08997,"sentiment":"neutral","sentiment_score":0.05078982934355736}],"sentiment":"neutral","sentiment_score":0.05078982934355736,"channel":0,"num_words":1,"start":951.58997,"end":952.08997},{"sentences":[{"text":"I I don't even wanna be working at 65, but that is more realistic.","start":951.815,"end":955.115,"sentiment":"neutral","sentiment_score":-0.14810398859637125}],"sentiment":"neutral","sentiment_score":-0.14810398859637125,"channel":1,"num_words":14,"start":951.815,"end":955.115},{"sentences":[{"text":"No.","start":954.63,"end":955.13,"sentiment":"neutral","sentiment_score":-0.18857219815254211},{"text":"That's okay.","start":955.75,"end":956.47,"sentiment":"neutral","sentiment_score":-0.12765028327703476},{"text":"So a big market drop would probably, say, concern you a little bit.","start":956.47,"end":960.035,"sentiment":"neutral","sentiment_score":-0.2504063363258655},{"text":"You'd probably be wanting to call us and see what we can do or what we need to do to try and wait it out.","start":960.035,"end":965.495,"sentiment":"neutral","sentiment_score":-0.23988263845443725},{"text":"You'd be comfortable waiting it out, but not for a long period of time.","start":965.95496,"end":969.415,"sentiment":"neutral","sentiment_score":-0.20160107208149775}],"sentiment":"neutral","sentiment_score":-0.22761156558990478,"channel":0,"num_words":55,"start":954.63,"end":969.415},{"sentences":[{"text":"Does","start":969.555,"end":969.71497,"sentiment":"neutral","sentiment_score":-0.013401009142398834}],"sentiment":"neutral","sentiment_score":-0.013401009142398834,"channel":0,"num_words":1,"start":969.555,"end":969.71497},{"sentences":[{"text":"Yeah.","start":969.67,"end":970.095,"sentiment":"neutral","sentiment_score":0.0016286298632621763}],"sentiment":"neutral","sentiment_score":0.0016286298632621763,"channel":1,"num_words":1,"start":969.67,"end":970.095},{"sentences":[{"text":"that sound right?","start":969.71497,"end":970.69495,"sentiment":"neutral","sentiment_score":0.026046210279067356}],"sentiment":"neutral","sentiment_score":0.026046210279067356,"channel":0,"num_words":3,"start":969.71497,"end":970.69495},{"sentences":[{"text":"Yeah.","start":970.57495,"end":970.975,"sentiment":"neutral","sentiment_score":0.029040507972240448}],"sentiment":"neutral","sentiment_score":0.029040507972240448,"channel":1,"num_words":1,"start":970.57495,"end":970.975},{"sentences":[{"text":"Yeah.","start":970.915,"end":971.415,"sentiment":"neutral","sentiment_score":0.06551887094974518}],"sentiment":"neutral","sentiment_score":0.06551887094974518,"channel":0,"num_words":1,"start":970.915,"end":971.415},{"sentences":[{"text":"Pretty 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70.","start":974.01495,"end":974.495,"sentiment":"neutral","sentiment_score":-0.00827824231237173},{"text":"That's for sure.","start":974.495,"end":975.39496,"sentiment":"neutral","sentiment_score":0.02857200677196185}],"sentiment":"neutral","sentiment_score":0.013831907138228416,"channel":1,"num_words":5,"start":974.01495,"end":975.39496},{"sentences":[{"text":"No.","start":975.74,"end":976.22003,"sentiment":"neutral","sentiment_score":-0.035771772265434265},{"text":"Absolutely fine.","start":976.22003,"end":977.44,"sentiment":"neutral","sentiment_score":0.13389931619167328},{"text":"That's all good.","start":977.9,"end":979.04004,"sentiment":"neutral","sentiment_score":0.32899781068166095},{"text":"Now when we look at the expected returns that we're sorta after when it comes to markets, when you're in that kinda high growth environment, you are chasing returns.","start":979.34,"end":988.475,"sentiment":"neutral","sentiment_score":0.061552215752930475},{"text":"And this sort of portfolio is chasing returns at about 8% eight to 10% on a yearly basis.","start":988.695,"end":994.055,"sentiment":"neutral","sentiment_score":0.056958352112107806}],"sentiment":"neutral","sentiment_score":0.07602424315124187,"channel":0,"num_words":53,"start":975.74,"end":994.055},{"sentences":[{"text":"So this year, with a 12% return, even though one of your investments has been underperforming a little bit, you've actually exceeded that eight to 10% return, which is good.","start":994.055,"end":1003.47003,"sentiment":"neutral","sentiment_score":0.23324297641714414},{"text":"I think your portfolio has overperformed the expectation.","start":1003.47003,"end":1006.37,"sentiment":"positive","sentiment_score":0.5433027781546116}],"sentiment":"neutral","sentiment_score":0.29851872415134784,"channel":0,"num_words":38,"start":994.055,"end":1006.37},{"sentences":[{"text":"Good.","start":1007.29504,"end":1007.79504,"sentiment":"positive","sentiment_score":0.35350149869918823}],"sentiment":"positive","sentiment_score":0.35350149869918823,"channel":1,"num_words":1,"start":1007.29504,"end":1007.79504},{"sentences":[{"text":"But it also does sort of mean that if you decide to take on a little bit more risk in the market, the returns as I said before, they don't always drop.","start":1008.11005,"end":1016.945,"sentiment":"neutral","sentiment_score":-0.0727674140362069},{"text":"They can get greater returns than what is expected.","start":1016.945,"end":1019.585,"sentiment":"neutral","sentiment_score":0.03317264550262027},{"text":"It's more just what the expectation is out of the portfolio based on past and previous performance.","start":1019.585,"end":1025.365,"sentiment":"neutral","sentiment_score":-0.028962547507356193},{"text":"If you were to sort of look at dropping down, we could even do it slower just in smaller increments, maybe 10% at a time.","start":1026.625,"end":1032.73,"sentiment":"neutral","sentiment_score":-0.11878233641386032},{"text":"So you go from high growth to growth now.","start":1032.73,"end":1035.07,"sentiment":"neutral","sentiment_score":-0.009179596685700946}],"sentiment":"neutral","sentiment_score":-0.060592842693238155,"channel":0,"num_words":92,"start":1008.11005,"end":1035.07},{"sentences":[{"text":"That season 80% split between those growth to defensive assets.","start":1035.37,"end":1040.11,"sentiment":"neutral","sentiment_score":0.02776486761868},{"text":"And then in a couple of years' time, we maybe take a little bit more of a step back.","start":1040.25,"end":1044.0299,"sentiment":"neutral","sentiment_score":-0.08619538400518267},{"text":"Thinking about the returns that you've got this year, the expectation around a eight to 10% return, would you be comfortable maybe reducing back by 10%, or do you want it to stay in high growth for maybe another year and see how we go?","start":1045.2949,"end":1058.115,"sentiment":"neutral","sentiment_score":-0.02782067923496167}],"sentiment":"neutral","sentiment_score":-0.03529721872276954,"channel":0,"num_words":74,"start":1035.37,"end":1058.115},{"sentences":[{"text":"Yeah.","start":1063.265,"end":1063.6649,"sentiment":"neutral","sentiment_score":-0.0758780688047409},{"text":"I guess it's a bit because there's so much shit going on in the world and everything at the moment.","start":1063.6649,"end":1071.05,"sentiment":"neutral","sentiment_score":-0.3136022210121155},{"text":"And","start":1071.05,"end":1071.37,"sentiment":"neutral","sentiment_score":-0.16190244257450104}],"sentiment":"neutral","sentiment_score":-0.2959011332555251,"channel":1,"num_words":22,"start":1063.265,"end":1071.37},{"sentences":[{"text":"That's that's one of the big things that I've been noticing this year is that a lot of people come out and go, yeah.","start":1072.795,"end":1078.0751,"sentiment":"neutral","sentiment_score":-0.15991644204283753},{"text":"Cool.","start":1078.0751,"end":1078.3151,"sentiment":"positive","sentiment_score":0.48265010118484497},{"text":"I'm happy to stay high growth.","start":1078.3151,"end":1079.755,"sentiment":"positive","sentiment_score":0.6634368201096853},{"text":"I want really good returns.","start":1079.755,"end":1081.135,"sentiment":"positive","sentiment_score":0.6478848457336426},{"text":"But then with what's happened this year, when you sort of look at it, the market has a very heavy drop in around about between the twenty sixth and March 28.","start":1081.1951,"end":1089.48,"sentiment":"neutral","sentiment_score":-0.32057283650482854}],"sentiment":"neutral","sentiment_score":-0.0906426461218898,"channel":0,"num_words":67,"start":1072.795,"end":1089.48},{"sentences":[{"text":"We saw quite a large dip, and that's sort of taken a bit of an effect on a lot of people's portfolios.","start":1089.48,"end":1095.58,"sentiment":"negative","sentiment_score":-0.42643149197101593},{"text":"And 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future.","start":1098.84,"end":1101.74,"sentiment":"neutral","sentiment_score":-0.30192409455776215},{"text":"There's","start":1102.995,"end":1103.495,"sentiment":"neutral","sentiment_score":-0.09071554243564606}],"sentiment":"neutral","sentiment_score":-0.3220183629365194,"channel":0,"num_words":21,"start":1096.36,"end":1103.495},{"sentences":[{"text":"Well, may maybe a maybe a small reduction","start":1103.15,"end":1106.37,"sentiment":"neutral","sentiment_score":-0.07278603222221136}],"sentiment":"neutral","sentiment_score":-0.07278603222221136,"channel":1,"num_words":8,"start":1103.15,"end":1106.37},{"sentences":[{"text":"yeah.","start":1106.115,"end":1106.615,"sentiment":"neutral","sentiment_score":-0.1083853542804718}],"sentiment":"neutral","sentiment_score":-0.1083853542804718,"channel":0,"num_words":1,"start":1106.115,"end":1106.615},{"sentences":[{"text":"then for the","start":1106.43,"end":1107.55,"sentiment":"neutral","sentiment_score":-0.04205842067797979}],"sentiment":"neutral","sentiment_score":-0.04205842067797979,"channel":1,"num_words":3,"start":1106.43,"end":1107.55},{"sentences":[{"text":"Yeah.","start":1107.475,"end":1107.975,"sentiment":"neutral","sentiment_score":-0.03242616355419159}],"sentiment":"neutral","sentiment_score":-0.03242616355419159,"channel":0,"num_words":1,"start":1107.475,"end":1107.975},{"sentences":[{"text":"next year, and then we'll see how things are going next year.","start":1107.55,"end":1110.93,"sentiment":"neutral","sentiment_score":-0.029690304305404425}],"sentiment":"neutral","sentiment_score":-0.029690304305404425,"channel":1,"num_words":12,"start":1107.55,"end":1110.93},{"sentences":[{"text":"Yeah.","start":1111.475,"end":1111.875,"sentiment":"neutral","sentiment_score":0.017476968467235565},{"text":"That's okay.","start":1111.875,"end":1112.775,"sentiment":"neutral","sentiment_score":0.09176744520664215},{"text":"I've had a bit of a look, and with what we're sort of talking about at the moment, the way we are sort of going, you have scored in that risk profile as a growth investor.","start":1112.995,"end":1120.36,"sentiment":"neutral","sentiment_score":-0.004175910001827611},{"text":"So it does mean sort of dropping that back by that 10%.","start":1121.06,"end":1124.52,"sentiment":"neutral","sentiment_score":-0.10476348176598549},{"text":"It it's, as I said, only a 10% drop in the risk value.","start":1125.14,"end":1128.5,"sentiment":"neutral","sentiment_score":-0.08048953058627936}],"sentiment":"neutral","sentiment_score":-0.03520072781248018,"channel":0,"num_words":64,"start":1111.475,"end":1128.5},{"sentences":[{"text":"So you go from having 90% in those growth assets to 80%.","start":1128.5,"end":1133.035,"sentiment":"neutral","sentiment_score":0.047125148276487984},{"text":"You're still retaining quite a lot of it.","start":1133.035,"end":1134.955,"sentiment":"neutral","sentiment_score":0.027382909320294857},{"text":"It's just kinda stepping down gradually and putting a little bit of protections in place there because of the unknowns, and there's nothing wrong with doing so.","start":1134.955,"end":1142.79,"sentiment":"neutral","sentiment_score":-0.029750594938242877}],"sentiment":"neutral","sentiment_score":-0.00039789381813495715,"channel":0,"num_words":47,"start":1128.5,"end":1142.79},{"sentences":[{"text":"Yep.","start":1143.015,"end":1143.515,"sentiment":"neutral","sentiment_score":0.07819078862667084}],"sentiment":"neutral","sentiment_score":0.07819078862667084,"channel":1,"num_words":1,"start":1143.015,"end":1143.515},{"sentences":[{"text":"In the growth portfolio, we're still chasing returns at between seven to 9%.","start":1143.75,"end":1148.31,"sentiment":"neutral","sentiment_score":0.05737752655449395},{"text":"You're still wanting a good compounded annual rate of return there.","start":1148.31,"end":1152.01,"sentiment":"positive","sentiment_score":0.3471622412854975}],"sentiment":"neutral","sentiment_score":0.19019552080620392,"channel":0,"num_words":24,"start":1143.75,"end":1152.01},{"sentences":[{"text":"Yeah.","start":1152.375,"end":1152.875,"sentiment":"neutral","sentiment_score":-0.0866846889257431}],"sentiment":"neutral","sentiment_score":-0.0866846889257431,"channel":1,"num_words":1,"start":1152.375,"end":1152.875},{"sentences":[{"text":"You still can expect a negative return for the one in five, but it becomes a bit less likely.","start":1152.4701,"end":1157.37,"sentiment":"negative","sentiment_score":-0.40150608514484604},{"text":"And the suggested time frame for this portfolio is about six years.","start":1158.4851,"end":1162.885,"sentiment":"neutral","sentiment_score":-0.1552527230232954},{"text":"So, realistically, all going well, if it's age of 60, you said to me, hey.","start":1162.885,"end":1166.9651,"sentiment":"neutral","sentiment_score":0.005023812999327978},{"text":"I do wanna retire.","start":1166.9651,"end":1168.0851,"sentiment":"neutral","sentiment_score":-0.1706242635846138},{"text":"I wanna stop working.","start":1168.0851,"end":1169.285,"sentiment":"neutral","sentiment_score":-0.08076248690485954}],"sentiment":"neutral","sentiment_score":-0.19299700187036284,"channel":0,"num_words":54,"start":1152.4701,"end":1169.285},{"sentences":[{"text":"Let's make it happen.","start":1169.285,"end":1170.425,"sentiment":"neutral","sentiment_score":0.33120226860046387},{"text":"We absolutely can.","start":1170.7251,"end":1172.1051,"sentiment":"positive","sentiment_score":0.6233611702919006},{"text":"And this portfolio sort of steps you forward over the next six years to be able to do that.","start":1172.4401,"end":1177.74,"sentiment":"positive","sentiment_score":0.45767382257863093},{"text":"I would still, if you're about one to two years out, be 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time.","start":2802.665,"end":2803.465,"sentiment":"negative","sentiment_score":-0.4154494106769562},{"text":"Not.","start":2803.465,"end":2803.705,"sentiment":"neutral","sentiment_score":-0.3092935085296631},{"text":"So","start":2803.705,"end":2804.205,"sentiment":"neutral","sentiment_score":-0.19982632994651792}],"sentiment":"negative","sentiment_score":-0.34084930643439293,"channel":1,"num_words":8,"start":2802.025,"end":2804.205},{"sentences":[{"text":"No.","start":2803.915,"end":2804.235,"sentiment":"neutral","sentiment_score":-0.23126977682113647},{"text":"That's","start":2804.235,"end":2804.735,"sentiment":"neutral","sentiment_score":-0.23351824283599856}],"sentiment":"neutral","sentiment_score":-0.2323940098285675,"channel":0,"num_words":2,"start":2803.915,"end":2804.735},{"sentences":[{"text":"I think you just got covered everything.","start":2804.345,"end":2806.045,"sentiment":"neutral","sentiment_score":-0.10118801998240608}],"sentiment":"neutral","sentiment_score":-0.10118801998240608,"channel":1,"num_words":7,"start":2804.345,"end":2806.045},{"sentences":[{"text":"beautiful.","start":2806.155,"end":2806.655,"sentiment":"positive","sentiment_score":0.6180437207221985},{"text":"That was my goal for today was to touch base on all the things.","start":2807.0352,"end":2809.995,"sentiment":"positive","sentiment_score":0.4946416275841849},{"text":"I did a","start":2809.995,"end":2810.475,"sentiment":"positive","sentiment_score":0.359980712334315}],"sentiment":"positive","sentiment_score":0.4790538135502074,"channel":0,"num_words":18,"start":2806.155,"end":2810.475},{"sentences":[{"text":"Mhmm.","start":2810.425,"end":2810.925,"sentiment":"neutral","sentiment_score":0.27456414699554443}],"sentiment":"neutral","sentiment_score":0.27456414699554443,"channel":1,"num_words":1,"start":2810.425,"end":2810.925},{"sentences":[{"text":"really good review of your file beforehand, and I wanted to sort of touch base on all those additional areas and make sure that everything was working for you.","start":2810.475,"end":2817.73,"sentiment":"positive","sentiment_score":0.45249235321735515},{"text":"I'll go back and do some research, and my team will let you know when we have the advice ready to go.","start":2818.35,"end":2823.1501,"sentiment":"neutral","sentiment_score":0.3255006562579762},{"text":"We'll come back and have a look at that together.","start":2823.1501,"end":2825.1501,"sentiment":"neutral","sentiment_score":0.321242219209671},{"text":"Does that sound okay?","start":2825.1501,"end":2826.29,"sentiment":"neutral","sentiment_score":0.1862879879772663}],"sentiment":"positive","sentiment_score":0.37293641269207,"channel":0,"num_words":65,"start":2810.475,"end":2826.29},{"sentences":[{"text":"Yep.","start":2826.89,"end":2827.335,"sentiment":"neutral","sentiment_score":0.28472548723220825},{"text":"Cool.","start":2827.575,"end":2828.075,"sentiment":"positive","sentiment_score":0.6647009253501892}],"sentiment":"positive","sentiment_score":0.47471320629119873,"channel":1,"num_words":2,"start":2826.89,"end":2828.075},{"sentences":[{"text":"Fantastic.","start":2828.655,"end":2829.155,"sentiment":"positive","sentiment_score":0.7778612375259399}],"sentiment":"positive","sentiment_score":0.7778612375259399,"channel":0,"num_words":1,"start":2828.655,"end":2829.155},{"sentences":[{"text":"Yep.","start":2828.935,"end":2829.435,"sentiment":"positive","sentiment_score":0.56671541929245}],"sentiment":"positive","sentiment_score":0.56671541929245,"channel":1,"num_words":1,"start":2828.935,"end":2829.435},{"sentences":[{"text":"Well, I will let you go.","start":2829.375,"end":2830.895,"sentiment":"positive","sentiment_score":0.6862311263879141},{"text":"You have an amazing afternoon.","start":2830.895,"end":2832.675,"sentiment":"positive","sentiment_score":0.8178985476493835},{"text":"Enjoy your days","start":2832.8152,"end":2833.695,"sentiment":"positive","sentiment_score":0.7012476325035095}],"sentiment":"positive","sentiment_score":0.7364730281489236,"channel":0,"num_words":14,"start":2829.375,"end":2833.695},{"sentences":[{"text":"Mhmm.","start":2833.415,"end":2833.915,"sentiment":"positive","sentiment_score":0.4913465976715088}],"sentiment":"positive","sentiment_score":0.4913465976715088,"channel":1,"num_words":1,"start":2833.415,"end":2833.915},{"sentences":[{"text":"off, and don't work too hard on the house.","start":2833.695,"end":2836.355,"sentiment":"neutral","sentiment_score":0.32572345932324726},{"text":"And I'll get stuck into those research and get those emails out to you.","start":2836.895,"end":2841.39,"sentiment":"positive","sentiment_score":0.5060240924358368},{"text":"And, yeah, if there's anything else you need, please don't ever hesitate.","start":2841.8699,"end":2844.91,"sentiment":"neutral","sentiment_score":0.31294842312733334},{"text":"Let me know.","start":2844.91,"end":2845.39,"sentiment":"positive","sentiment_score":0.4246559540430705},{"text":"I'm more than happy to make time to have a chat.","start":2845.39,"end":2847.49,"sentiment":"positive","sentiment_score":0.6531800790266558}],"sentiment":"positive","sentiment_score":0.45367710687676255,"channel":0,"num_words":49,"start":2833.695,"end":2847.49},{"sentences":[{"text":"No worries.","start":2847.93,"end":2848.41,"sentiment":"positive","sentiment_score":0.4128752797842026},{"text":"Thank you very much.","start":2848.41,"end":2849.47,"sentiment":"positive","sentiment_score":0.7690985053777695}],"sentiment":"positive","sentiment_score":0.6503574301799139,"channel":1,"num_words":6,"start":2847.93,"end":2849.47},{"sentences":[{"text":"Oh, thank you so much for your time.","start":2849.669,"end":2851.0288,"sentiment":"positive","sentiment_score":0.7879567369818687},{"text":"Enjoy your afternoon, Matthew.","start":2851.0288,"end":2852.5688,"sentiment":"positive","sentiment_score":0.722213864326477}],"sentiment":"positive","sentiment_score":0.7660424460967382,"channel":0,"num_words":12,"start":2849.669,"end":2852.5688},{"sentences":[{"text":"Alright.","start":2852.89,"end":2853.2898,"sentiment":"positive","sentiment_score":0.3618506193161011},{"text":"No worries.","start":2853.2898,"end":2853.8499,"sentiment":"neutral","sentiment_score":0.3053065985441208},{"text":"Cheers.","start":2853.8499,"end":2854.3499,"sentiment":"positive","sentiment_score":0.5748053789138794}],"sentiment":"positive","sentiment_score":0.3868172988295555,"channel":1,"num_words":4,"start":2852.89,"end":2854.3499},{"sentences":[{"text":"See you later.","start":2854.629,"end":2855.449,"sentiment":"positive","sentiment_score":0.502988318602244}],"sentiment":"positive","sentiment_score":0.502988318602244,"channel":0,"num_words":3,"start":2854.629,"end":2855.449},{"sentences":[{"text":"Alright.","start":2855.3699,"end":2855.8699,"sentiment":"neutral","sentiment_score":0.2594079375267029}],"sentiment":"neutral","sentiment_score":0.2594079375267029,"channel":1,"num_words":1,"start":2855.3699,"end":2855.8699},{"sentences":[{"text":"Bye.","start":2855.5088,"end":2856.0088,"sentiment":"neutral","sentiment_score":0.23002943396568296}],"sentiment":"neutral","sentiment_score":0.23002943396568296,"channel":0,"num_words":1,"start":2855.5088,"end":2856.0088},{"sentences":[{"text":"Bye bye.","start":2856.0098,"end":2856.75,"sentiment":"neutral","sentiment_score":0.04144499823451042}],"sentiment":"neutral","sentiment_score":0.04144499823451042,"channel":1,"num_words":2,"start":2856.0098,"end":2856.75}]},"summary":{"result":"success","short":"The representative from Oku Financial called Matthew to discuss his annual review and goals for his mortgage. They also offered to connect him with a mortgage broker to help pay his mortgage and renovate his property. The speaker suggests reducing risk levels and maintaining a stable portfolio until age 60. They also discussed the benefits of life cover and updating retirement plans and asset values. The agent provided advice on updating retirement plans and financial services and offered assistance with researching their file."},"intents":{"segments":[{"text":"I had you booked in to go through a bit of an annual review today. Isn't Yep.","start_word":20,"end_word":36,"intents":[{"intent":"Go through annual review","confidence_score":0.008351729}]},{"text":"Well, I'll try not to take up too much of your time. Just been having a bit of a look through. I wanna do a bit of a annual review with you as well. And just sort of see what your goals are and whether we need to maybe look at updating the advice for you. Okay? Yeah.","start_word":104,"end_word":161,"intents":[{"intent":"Update advice","confidence_score":0.052576415}]},{"text":"I'd like to be able to, but it depends on, you know, depends on Yeah.","start_word":699,"end_word":713,"intents":[{"intent":"Discuss loan","confidence_score":0.25891435}]},{"text":"And have you ever have you considered to maybe or have you had your mortgage sort of reevaluated by a mortgage broker to see if there's maybe a better rate or a better way of trying to pay that down in the next couple of years? Or Not not this stage.","start_word":736,"end_word":786,"intents":[{"intent":"Revaluate mortgage","confidence_score":0.013351273}]},{"text":"with where you are at the moment, you do have about six years until you're realistically wanting to retire. It is a large sum to try and pay down in that time frame.","start_word":1018,"end_word":1050,"intents":[{"intent":"Discuss amortization","confidence_score":0.0027785685}]},{"text":"You're I can't right. I can't see myself for a time. See if that was just wishful thinking, I Wishful think. thinking, that's okay. Did you want me to work on maybe, say, 65 as a bit of a plan of attack here because you might have that mortgage a bit longer?","start_word":1064,"end_word":1115,"intents":[{"intent":"Discuss time horizon","confidence_score":5.5345544e-7}]},{"text":"But what I would probably suggest now at the moment is more contributions at the super don't feel like they're really in your comfort level. Your main priority at the moment is your mortgage. Is that right? Yeah.","start_word":1306,"end_word":1343,"intents":[{"intent":"Clarify budget","confidence_score":0.00015213438},{"intent":"Discuss impact of more contributions","confidence_score":9.285935e-7}]},{"text":"Your main priority at the moment is your mortgage. Is that right?","start_word":1331,"end_word":1342,"intents":[{"intent":"Discuss mortgage","confidence_score":0.010068035}]},{"text":"I do actually have your super balance here in front of me. So having a look at things at the moment, the Is super that balance now yeah.","start_word":1378,"end_word":1405,"intents":[{"intent":"Discuss super balance","confidence_score":0.0038589612}]},{"text":"So you have definitely gone up from the last year there when you consider the return. So any income and growth within the fund after fees have been taken out, including our ongoing service Yep. fee, you're Yep. up by 12.01%.","start_word":1431,"end_word":1471,"intents":[{"intent":"Assist with fund updates","confidence_score":0.00030000697}]},{"text":"That investment, unfortunately, has underperformed a little bit in the last few months, so I would like to remove that out of your portfolio.","start_word":1853,"end_word":1876,"intents":[{"intent":"Removing investment","confidence_score":0.00082296535}]},{"text":"So when we're looking at your goal, you you would like to retire at 60 as a main preferable amount. Are you comfortable with me worth beyond, say, 65 just so we can hopefully get the mortgage Yeah.","start_word":2148,"end_word":2185,"intents":[{"intent":"Explore retirement options","confidence_score":0.00939827}]},{"text":"Well, you guys are the experts. So what would be your recommendation?","start_word":2822,"end_word":2833,"intents":[{"intent":"Explain portfolio recommendation","confidence_score":0.00009019877}]},{"text":"I think your portfolio has overperformed the expectation. Good.","start_word":3122,"end_word":3130,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.29618928}]},{"text":"In the growth portfolio, we're still chasing returns at between seven to 9%.","start_word":3569,"end_word":3581,"intents":[{"intent":"Evaluate investment portfolios","confidence_score":0.019786917}]},{"text":"And the suggested time frame for this portfolio is about six years.","start_word":3613,"end_word":3624,"intents":[{"intent":"Discuss portfolio timeline","confidence_score":0.01297109}]},{"text":"And this portfolio sort of steps you forward over the next six years to be able to do that.","start_word":3655,"end_word":3673,"intents":[{"intent":"Review portfolio steps","confidence_score":0.0016894048}]},{"text":"I would still, if you're about one to two years out, be wanting to then reduce the risk even further.","start_word":3674,"end_word":3693,"intents":[{"intent":"Discuss risk reduction options","confidence_score":0.00084161834}]},{"text":"Just sort of talking realistic terms about where everyone scores, where everyone is invested, and what that kind of means because there's nothing wrong with wanting to reduce your risk level. I've got forty year olds on my book who don't wanna be in high growth anymore, so it's honestly not a problem at all. Okay.","start_word":3768,"end_word":3823,"intents":[{"intent":"Discuss impact on assets","confidence_score":6.210202e-7}]},{"text":"And with the military super side of things, so I'm actually quite well versed in military super. It's something I do look at quite regularly. With that, obviously, you do have the option of accessing some of that out at that age 55, but there are higher tax consequences for doing so and limitations around how much you can access and how you can access. Yeah.","start_word":3824,"end_word":3889,"intents":[{"intent":"Discuss military super access limitations","confidence_score":0.0056278333}]},{"text":"And because of the type of suit that it is, there are tax consequences between even when you retire, there Yep. is tax payable on the drawdown. So what I've been sort of looking at doing with a lot of my older clients is looking at retaining that until the age of 60. Because 60 is preservation age. Yeah.","start_word":3967,"end_word":4025,"intents":[{"intent":"Address tax consequences","confidence_score":0.001054277}]},{"text":"From the age of 55, you can't take it as a lump sum. You can only take a fortnightly pension amount, and the tax treatment currently as is at your standard marginal tax rate.","start_word":4299,"end_word":4332,"intents":[{"intent":"Discuss retirement plan","confidence_score":0.020229436}]},{"text":"So I'll go back just to kinda recap. We'll look at reducing your risk profile just a little bit there. I'll look at removing the underlying investment that's underperforming and replace it with something a bit more low cost for you that has been performing a bit better and try to diversify your portfolio as much as possible.","start_word":4677,"end_word":4734,"intents":[{"intent":"Recap","confidence_score":0.07157296}]},{"text":"Now the other thing to sort of just touch base on is the insurance side of things. So you don't have any life or TPD. I know last year that was sort of touched on you were comfortable with that. In the event of passing, your super is paid out. The military super also does get paid out to your beneficiaries there. Yep.","start_word":4749,"end_word":4811,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.052183215}]},{"text":"the trustee would come back and tell her her nomination is invalid, and the portion that she was to be able to claim would go through and be put through in test date, and that would make it very difficult for her. So to make it So easier what's yes. Yeah.","start_word":5077,"end_word":5127,"intents":[{"intent":"Clarify nomination requirements","confidence_score":0.00039023833}]},{"text":"it's frustrating. That's Yeah.","start_word":5138,"end_word":5141,"intents":[{"intent":"Express dissatisfaction with nomination","confidence_score":0.003942046}]},{"text":"So this if there's government rules or something or whatever that stops me doing that, that's that's just, I hope, excuse language, but that's bloody bullshit. I I can't believe they got a right to yeah. Alright.","start_word":5181,"end_word":5217,"intents":[{"intent":"Understand government rules","confidence_score":0.0021762392}]},{"text":"So the easiest way to get around this and, look, your children are completely fine to stay on there if you would like them to be. Children, if they are nontax dependent, do pay tax on receiving a death benefit.","start_word":5269,"end_word":5308,"intents":[{"intent":"Discuss child's eligibility","confidence_score":0.0012560341}]},{"text":"Children, if they are nontax dependent, do pay tax on receiving a death benefit. It's really silly.","start_word":5295,"end_word":5311,"intents":[{"intent":"Discuss child's tax benefits","confidence_score":0.0024209407}]},{"text":"So you've got essentially one of two ways that we can look to do this, and I'm more than happy to help you to pre pre fill the form if you would like to.","start_word":5334,"end_word":5367,"intents":[{"intent":"Pre-fill form","confidence_score":0.024327481}]},{"text":"side or the other option is you can have the whole super benefit paid to your will through Yep. legal personal representing. So that with a 100%, this goes into your estate. And then through your will, you can nominate whatever percentage you want to, whoever you want. There's no restrictions that way.","start_word":5461,"end_word":5513,"intents":[{"intent":"Provide super benefit details","confidence_score":0.00037385983}]},{"text":"make a claim, the trustee would come back and tell her that the claim isn't viable. They're not gonna pay the money, and that would make her life really, really difficult. Yes.","start_word":5741,"end_word":5772,"intents":[{"intent":"Make a claim","confidence_score":0.4553919}]},{"text":"You've already got your will set up, which is great. You've got everything nominated in your will the exact same.","start_word":5783,"end_word":5802,"intents":[{"intent":"Set up a will","confidence_score":0.14327662}]},{"text":"pre I wanna filling keep the form it keep for it you? the same.","start_word":6051,"end_word":6064,"intents":[{"intent":"Use prefilling form","confidence_score":0.0000021114292}]},{"text":"pre I wanna filling keep the form it keep for it you? the same. Yep. Yep. Beautiful. And did you want us to post that to your email? What's easier for yourself? Probably probably easy if you post it. Yep.","start_word":6051,"end_word":6090,"intents":[{"intent":"Use posting form","confidence_score":0.0029588814}]},{"text":"Because as you said, if something happens next week, the last thing you want is your sister having to go to the rigmarole and being rejected Yes.","start_word":6137,"end_word":6163,"intents":[{"intent":"Fix rigmarole rejection","confidence_score":0.00006744021}]},{"text":"I also just need to update your next of kin on file. It looks like I don't have a next of kin. Yeah.","start_word":6481,"end_word":6503,"intents":[{"intent":"Update next of kin","confidence_score":0.72383726}]},{"text":"It's the military super and you have 24, which, given the current balance at the moment, is a bit over 560,000 plus however much more than military super is boosted for. That would realistically cover your mortgage, you know, pay out the debts there and then be provided to your family as additional. Are you fairly comfortable with that level of cover if you were to pass away and what that would cover? Yeah.","start_word":6595,"end_word":6668,"intents":[{"intent":"Provide super benefit coverage","confidence_score":0.005392973}]},{"text":"Are you fairly comfortable with that level of cover if you were to pass away and what that would cover? Yeah.","start_word":6648,"end_word":6668,"intents":[{"intent":"Determine comfortable level of coverage","confidence_score":0.085513875}]},{"text":"Are you comfortable just not looking at having any new cover?","start_word":6727,"end_word":6737,"intents":[{"intent":"Determine comfortable with new coverage","confidence_score":0.0030995319}]},{"text":"It is very expensive, so I wouldn't increasing income protection could increase it over about $10,000 per year premium wise, because this year, you paid 5,685 for that. So it does get more and more expensive as you get older. Yep. Yeah. That's fine. We're happy to leave it as is. If you ever want us to sort of reevaluate it, let me know. There is the risk that it is more expensive, Yep.","start_word":7028,"end_word":7101,"intents":[{"intent":"Evaluate cost","confidence_score":0.009854079}]},{"text":"One of the biggest risks that we take with having any insurances is that we have them and never claim on them, and then we cancel them, and Sorry.","start_word":7116,"end_word":7144,"intents":[{"intent":"Inform about insurance coverage","confidence_score":0.00030383555}]},{"text":"But, I mean, hopefully realistically, we hope that you never have to claim on income protection. Do you have much sitting in your offset or redraw facility that you could sort of fall back on if you needed to for living expenses?","start_word":7208,"end_word":7249,"intents":[{"intent":"Inquire about potential savings","confidence_score":0.0006779748}]},{"text":"I also get I also get paid I also get DVA payments. Oh, do you?","start_word":7287,"end_word":7301,"intents":[{"intent":"Recommend having dba payments","confidence_score":0.000037926864},{"intent":"Describe benefits of dba payments","confidence_score":0.002365998}]},{"text":"Have the DBA payments increased at all over the last couple of months?","start_word":7474,"end_word":7486,"intents":[{"intent":"Verify dba payments and details","confidence_score":0.000009916686}]},{"text":"I've got down here that you were a social smoker about three a day. Is that still correct? Yeah.","start_word":7572,"end_word":7590,"intents":[{"intent":"Update information on social smoker usage","confidence_score":0.0009999095}]},{"text":"The only other assets to kinda check-in on I had a camper van. I'll see here with an asset value of 17,700.","start_word":7729,"end_word":7750,"intents":[{"intent":"Check asset value","confidence_score":0.0018994866}]},{"text":"And She's what's 60 the six years asset old value? this year. Yeah.","start_word":7787,"end_word":7799,"intents":[{"intent":"Determine asset value","confidence_score":0.07701078},{"intent":"Clarify value","confidence_score":0.009960993}]},{"text":"And is that kind of one of your things you wanna do in retirement and do up cars and things like that or travel, No.","start_word":7871,"end_word":7895,"intents":[{"intent":"State purpose of call","confidence_score":0.000105513056}]},{"text":"And I'm happy that you had a loan there of about 50,000 on that one. Do you still have that loan on the vehicle? No.","start_word":8065,"end_word":8089,"intents":[{"intent":"Confirm loan amount","confidence_score":0.18955286}]},{"text":"So I own I own both vehicles. I own van.","start_word":8116,"end_word":8125,"intents":[{"intent":"Clarify vehicle ownership","confidence_score":0.0051137935}]},{"text":"It's more just a limited scope sort of section of the advice that I look at when you're in your fifties, sort of look at where we're tracking with what we're working on now, and then we'll keep sort of reviewing that. I look down the track to see whether you might be eligible for any additional Centrelink benefits as well, and sort of see what kind of longevity we're hoping to get out of your super.","start_word":8325,"end_word":8401,"intents":[{"intent":"Review portfolio","confidence_score":0.015751645},{"intent":"Estimate future growth","confidence_score":0.000075769145}]},{"text":"The only other thing I wanted to touch base on here was that you don't have any kind of insurances out of Super. You're not wanting to try and pay for any of the insurances outside of Super. It sounds like your cash flow is a bit tight. The mortgage is your main priority.","start_word":8481,"end_word":8534,"intents":[{"intent":"Resolve insurance issues","confidence_score":0.013945253}]}]},"sentiments":{"segments":[{"text":"OsmoFlow. Maddie speaking. Hi, Matthew. It's Dana from Oku Financial. How are you today?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.11439379304647446},{"text":"Good. Thanks. Good. Thanks. That's good.","start_word":14,"end_word":19,"sentiment":"positive","sentiment_score":0.6297692060470581},{"text":"I had you booked in to go through a bit of an annual review today. Isn't Yep. that still a good time? Yeah? Yeah. Yeah. Yeah. I need to get it out of the way. So No. That's okay. Not a problem at all. How's your morning been so far? Busy. I just come back from site. So I'm Oh, just wow. Got doing renovations downstairs and trying to get finished. You've got a lot going on at the moment. Always. No. All good. Well, I'll try not to take up too much of your time. Just been having a bit of a look through. I wanna do a bit of a annual review with you as well. And just sort of see what your goals are and whether we need to maybe look at updating the advice for you. Okay? Yeah. You're alright. Yeah. I just I just want Whatever is best, I guess. So Yeah. No. Not a problem at all. Let's just sort of jump into things there for you, and we'll see what's happening. Obviously, you wanted to have a bit of a chat about your superannuation, see how things are going there. But is there anything else you wanted me to sort of touch on with regard to the annual review today there, Matthew? No. All I wanna do is is, buddy, get my mortgage paid and and make sure everything's on track for me to retire. Yeah.","start_word":20,"end_word":262,"sentiment":"neutral","sentiment_score":0.06945342570543289},{"text":"Perfect. Excellent.","start_word":263,"end_word":264,"sentiment":"positive","sentiment_score":0.39066728949546814},{"text":"Before we jump into the call and discuss any of your personal information there, I just need to let you know our calls are recorded moving forward for training and quality purposes. Yeah. Are you happy for me to continue with that yet? That's fine. It's just the same It's every everyone you talk to these days. yeah.","start_word":265,"end_word":322,"sentiment":"neutral","sentiment_score":0.11599165946245192},{"text":"It absolutely is. It's all good.","start_word":323,"end_word":328,"sentiment":"positive","sentiment_score":0.4057957231998443},{"text":"And I just wanna do some quick security check with you as well just to confirm that your date of birth and address I should have on file. Yeah. 05/24/1972. Yep. 259 Bloomfield Street, Cleveland.","start_word":329,"end_word":363,"sentiment":"neutral","sentiment_score":0.15249972827732564},{"text":"Beautiful. Beautiful. Thank you so much for that, and happy birthday for eight days ago. I hope you had a good day.","start_word":364,"end_word":385,"sentiment":"positive","sentiment_score":0.7207439541816711},{"text":"Yeah. Yeah.","start_word":386,"end_word":387,"sentiment":"neutral","sentiment_score":0.3014736771583557},{"text":"It was alright. All good.","start_word":388,"end_word":392,"sentiment":"positive","sentiment_score":0.4846106171607971},{"text":"So, Matthew, just to sort of jump into things there for you. Now you did sort of mention you wanna be on track for retirement. We initially had in here that you wanted to access Luther at around about age 60. Is that still your goal age for retiring, or do you think you'll be working a bit longer? What's Yeah. your goal now? The way the government is running the country into the bloody ground, I'm probably working till I'm bloody 90. Hopefully But, anyway, not. I'd I'd like to whatever's gonna hit me, retire comfortably as soon as possible. So however that goes about. Yep. No. That's okay. Not a problem at all. And you mentioned that one of those things is to try and get your mortgage out of the way before you retire. How much do you have left on that at the moment? A fair bit. I got, like, $490. Oh, okay. Perfect. 490,000 owing there. I had an asset value of the property estimated to be about 950,000. Would you increase that valuation at all? Yes. Definitely. The house next door to me, same size block, high-tech house built around the same area as mine, and that went to just over 1.3 Yeah. a few months Wow. ago. Wow. We'll definitely increase that valuation for you. Perfect. Well, Now with regards I'm renovating you're downstairs, a total. make a dual living and everything as well. So I'll get when it's all finished, I'll get it evaluated, but it'll it's Yeah. it'll be it'll be well over the mill. Yeah.","start_word":393,"end_word":657,"sentiment":"neutral","sentiment_score":0.046387385576963425},{"text":"Perfect. Lovely.","start_word":658,"end_word":659,"sentiment":"positive","sentiment_score":0.4381286799907684},{"text":"And what's the plan with once you've done the renovations, making it dual living? Are you planning on renting that out to sort of help pay that down, or is it just for family to come visit? Yeah. I'd like to be able to, but it depends on, you know, depends on Yeah. Eventually, I'd I'd like you to do that to help help paint them. Yeah. Yep. Yeah. No. Yep. Not a problem at all. And have you ever have you considered to maybe or have you had your mortgage sort of reevaluated by a mortgage broker to see if there's maybe a better rate or a better way of trying to pay that down in the next couple of years? Or Not not this stage. I did a a while back, but then yeah. then we've just had the, you know, two or three by interest rate rises, and there's so, you know, not much I can do about that. All Yeah. all the banks, they're all the same. They're all pretty low. They are. Yeah. None they all pass the line even though they don't need to. Yeah. That's okay. Did you want me to maybe put you in touch with a mortgage broker to see if there's a way that they can maybe help you to look at reevaluating the loan and helping you pay that down a little bit faster? I I do have one that I go through. Yeah. He works, you know, for Aussie. Yeah. But, yeah, I'll probably probably have a chat with him Yeah. after getting tax back and everything. I'll probably try to open up a appointment with them and just see if there's something we A can way do. to help you out. Yeah. Absolutely. I mean, I was we see here from your last annual review that you are putting as much as you can onto your mortgage. All your excess sort of income is going on to the mortgage pay down faster. And that's definitely one way of making sure that you're, you know, trying to cut it out as quickly as possible. But Yep. with where you are at the moment, you do have about six years until you're realistically wanting to retire. It is a large sum to try and pay down in that time frame. Yeah. So I I the don't likelihood of you going yeah. sorry.","start_word":660,"end_word":1062,"sentiment":"neutral","sentiment_score":0.02304286171425661},{"text":"You're I can't right. I can't see myself for a time.","start_word":1063,"end_word":1073,"sentiment":"negative","sentiment_score":-0.42051124572753906},{"text":"See if that was just wishful thinking, I Wishful think. thinking, that's okay. Did you want me to work on maybe, say, 65 as a bit of a plan of attack here because you might have that mortgage a bit longer? In saying that, I mean, you are between the age of yeah. Up until the age of 60 with your sleep, so there's very limited sort of things we can do. It's more just making contributions, taking on more risk, and making sure your sleep is working harder and the investments you're invested in. But once you actually get to the age of 60, there's also some other strategies we can put in place where we can help you to increase contributions in without affecting your take home pay and things like that.","start_word":1074,"end_word":1207,"sentiment":"neutral","sentiment_score":0.029441457241773605},{"text":"So there are other strategies between 60 to 65 that can help you super whilst keeping your take home pay the same, helping to lower taxable income, and things like that that we can also put into into play for you.","start_word":1208,"end_word":1248,"sentiment":"positive","sentiment_score":0.4432790577411651},{"text":"Well, We'll anything go into that a lot. would anything that Yeah. can help, I Yeah. Absolutely. We'll have a lot more of a guess. detailed conversation when you are closer to 60 because you're still 60 is up at the moment. But Well, I've right just now I've just turned 54. So yeah. Yeah. Correct. Yeah. But what I would probably suggest now at the moment is more contributions at the super don't feel like they're really in your comfort level. Your main priority at the moment is your mortgage. Is that right? Yeah. Yes. Yes. But That's okay. but I want I want my super working hard for me, of course. Absolutely. Yeah. Absolutely. And, look, at the moment, I'm both we are actually going through this. I do actually have your super balance here in front of me. So having a look at things at the moment, the Is super that balance now yeah. yeah. Go ahead. Sorry. You're right. You got a 184,778 so I'm sorry. A hundred and eighty four thousand seven hundred and eighty five.","start_word":1249,"end_word":1429,"sentiment":"neutral","sentiment_score":0.0463390126824379},{"text":"So you have definitely gone up from the last year there when you consider the return. So any income and growth within the fund after fees have been taken out, including our ongoing service Yep. fee, you're Yep.","start_word":1430,"end_word":1467,"sentiment":"positive","sentiment_score":0.4674493372440338},{"text":"up by 12.01%. So I've looking also got all on I've also can you us, see my defense what I've got in my defense super at the moment? we have an updated balance as of last year, which is the 383,000, Yeah. but we are just waiting for them to send us an updated statement. They've had a few issues with their system. So the statement didn't unfortunately come through in time here, but my team is on the phone with them at the moment trying to kinda get the updated balance. I'll just see if anything's come through for you because I did wanna try and give you the one. Because it means No. yeah. Because it it means I'd have Yeah. Your balance is much higher when you consider the military super side of things. yeah, And it means with I'd I'd have for close to $500. yeah. Well, if I focus on the balance that we had here last year, which is at $3.83 plus the balance that we've got here at the moment with the $1.84 $7.08 5, it's sorry. 3384785. So it's a bit over $560,000 between the two at the moment. Was it And 560? military 560 for Okay. 5 Yep. six No worries. zero. Yep. Yeah. No worries. So, realistically, a military super isn't in isn't sort of it's not invested the way your current super is in hub 20 '4. Yeah. So I know. It it it is does, essentially indexed at a certain rate of return every year. Yeah. yeah, it does it does grow quite well. But, yeah, It it's does. but as usable and and, you know, adjusting things, it's mainly after work on this my other my normal sleeper. Yeah. That's correct. Yeah.","start_word":1468,"end_word":1762,"sentiment":"neutral","sentiment_score":0.003945359960198402},{"text":"Definitely. So I have had a really good look at your performance at the super. It has done really well. You've had a 12% return, which is fantastic. I have just gone back and had a really good look at the investments underlining in there. At the moment, they are all performing quite nicely.","start_word":1763,"end_word":1816,"sentiment":"positive","sentiment_score":0.5702962654608267},{"text":"I would, however, like to do a little bit of an adjustment. You do have the Bennelong Estate in equities in there, which Mhmm. was added originally as they're meant to be an actively managed fund.","start_word":1817,"end_word":1852,"sentiment":"neutral","sentiment_score":-0.07003138959407806},{"text":"That investment, unfortunately, has underperformed a little bit in the last few months, so I would like to remove that out of your portfolio.","start_word":1853,"end_word":1876,"sentiment":"negative","sentiment_score":-0.42173632979393005},{"text":"Because you are sort of in the realm of closer to retirement in your fifties there, Yep. we have two options on what we can look to replace that with. I can replace that investment with something else that's meant to be actively managed. Actively managed funds are where the investment money is trying to outperform against the market. And they don't always outperform against the market, and it does cost a bit more. You do pay a higher fee to have those sorts of investment managers in your portfolio. Or if you like, I can look at something that's a bit more cheaper. A low cost investment is probably more passively managed, so it's more about participating in the market and tracking a certain indices and might be a bit more lower cost and can actually perform better than those actively managed funds at the same time. What would you like me to focus on? I like the idea of paying less fees Yeah. Absolutely. because So every I'll look at every a low fee cost. that gets paid is is a little bit less than I get in your retirement. So Yes. No. Absolutely. Not a problem at all. So what I'll do is I'll look at a low cost index fund there for you. I'll look at replacing it, look at what has been performing better, and yep. I'll update the advice and do a bit of an investment switch there for you. Okay? Mhmm.","start_word":1877,"end_word":2124,"sentiment":"neutral","sentiment_score":0.07516469806432724},{"text":"Fantastic.","start_word":2125,"end_word":2125,"sentiment":"positive","sentiment_score":0.4711763560771942},{"text":"Now while we are sort of looking at the investment side of things there, just wanted to sort of find out. So when we're looking at your goal, you you would like to retire at 60 as a main preferable amount. Are you comfortable with me worth beyond, say, 65 just so we can hopefully get the mortgage Yeah. down Yeah. a little That bit more in that time frame? yeah. Yeah. Yep. It'll be Yep. more more realistic.","start_word":2126,"end_word":2204,"sentiment":"neutral","sentiment_score":0.06328099324733397},{"text":"That's okay. That's not a problem at all.","start_word":2205,"end_word":2212,"sentiment":"positive","sentiment_score":0.4356603324413299},{"text":"So we'll work on that age for you.","start_word":2213,"end_word":2220,"sentiment":"neutral","sentiment_score":0.3163321018218994},{"text":"Beautiful.","start_word":2221,"end_word":2221,"sentiment":"positive","sentiment_score":0.6607037782669067},{"text":"Now the other thing to sort of consider is, obviously, markets go up and down. Your military super isn't affected by market changes, which is a good thing. It's more of a defensive investment because it grows with their internal rate of return. Yep. But with your hub 24, with what we are seeing at the moment and you probably look at the news. You see what's happening between The US and Iran and how that's affecting things in Australia. Yeah. And then you've mentioned the interest rates have been increasing heavily, and we still have very high inflation here in Australia at the moment. So we are kinda being hit on two levels. When you sort of think about your super and hub '24, and if we saw see a dip in the next sort of one to two or even the next five years of a five or 10 or 20% dip, how's that gonna make you feel? Well, obviously, not good. But, you know, it's out out of Mhmm. my control, but you know what I mean? Yep. Yep. One of the things to consider is when we're looking at it the way we're invested is making sure we're taking on the level of risk we're comfortable to take on in order to get good returns, but Yep. that we're aware that taking on more risk means that in the shorter term, we can be affected more by a downturn. So Yeah. Or when bigger you're gains in or can also mean bigger losses. absolutely. Absolutely. And at the moment, having a look at things, so you're in a high growth portfolio, and you were happy to stay there last year, and that's absolutely fine if you are. But, essentially, because you are getting closer to accessing super, there is generally a point where we wanna sort of step down the risk level a little bit and start to maybe reduce our risk in smaller increments. Reducing the risk level can mean reducing your returns. However, lower risk portfolios have times where they perform greater than high growth portfolios do, so it's really more of a preference to you.","start_word":2222,"end_word":2583,"sentiment":"neutral","sentiment_score":0.0026872167157945713},{"text":"The high growth portfolio that you're in at the moment really suits someone who has at least eight years before they're wanting to access their super.","start_word":2584,"end_word":2609,"sentiment":"positive","sentiment_score":0.4284492433071137},{"text":"You see Yes. that 90% of your funds invested in growth assets. So think things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other 10% in low risk defensive investments like cash and bonds and fixed interest debt.","start_word":2610,"end_word":2656,"sentiment":"neutral","sentiment_score":0.1284991204738617},{"text":"With a high growth portfolio, the likelihood of a negative return is expected one in every sort of five years. So say over the next five years, staying in the same portfolio, you can expect a negative return, which can mean for a short period of time, the market takes a bit of a dip. You might have a negative five or 10% return in your super. And then before you wanting to access it, we just need to try and hold on, wait, work a little bit longer before starting to submit those losses and take money out of your super. The risk of that happening when you're, say, 60, 61, 62, 63, the risk is quite high in these sorts of portfolios.","start_word":2657,"end_word":2780,"sentiment":"negative","sentiment_score":-0.3482346832752228},{"text":"So my sort of job today is to work out whether staying high growth is comfortable for you, whether you're happy with that risk, or whether you wanna start maybe reducing it back a little bit. Does that make sense? Yeah.","start_word":2781,"end_word":2821,"sentiment":"neutral","sentiment_score":0.13046519458293915},{"text":"Well, you guys are the experts.","start_word":2822,"end_word":2827,"sentiment":"positive","sentiment_score":0.37232962250709534},{"text":"So what would be your recommendation? Well, let's go through a couple of questions just to sort of see how you're feeling, and then I can let you know sort of what it looks like to me. If you did over the next, say, five years, see a big 20% drop in your sofa, are you wanting to or willing to work longer to say age 65, 67, or 70 to be able to allow your portfolio to recover, Well, or would you still wanna be stopped stopped working? I'd I'd really don't wanna be still working at 70. Mhmm. I said it answer. But I don't blame you at all. That's absolutely yep. fine. I I don't even wanna be working at 65, but that is more realistic. No. That's okay. So a big market drop would probably, say, concern you a little bit. You'd probably be wanting to call us and see what we can do or what we need to do to try and wait it out. You'd be comfortable waiting it out, but not for a long period of time. Does Yeah. that sound right? Yeah. Yeah. Pretty much. Yeah. I That's I okay. definitely That's don't wanna absolutely be working fine. a 70. That's for sure. No. Absolutely fine. That's all good. Now when we look at the expected returns that we're sorta after when it comes to markets, when you're in that kinda high growth environment, you are chasing returns. And this sort of portfolio is chasing returns at about 8% eight to 10% on a yearly basis. So this year, with a 12% return, even though one of your investments has been underperforming a little bit, you've actually exceeded that eight to 10% return, which is good.","start_word":2828,"end_word":3121,"sentiment":"neutral","sentiment_score":-0.0086894488709719},{"text":"I think your portfolio has overperformed the expectation. Good.","start_word":3122,"end_word":3130,"sentiment":"positive","sentiment_score":0.5149213075637817},{"text":"But it also does sort of mean that if you decide to take on a little bit more risk in the market, the returns as I said before, they don't always drop. They can get greater returns than what is expected. It's more just what the expectation is out of the portfolio based on past and previous performance. If you were to sort of look at dropping down, we could even do it slower just in smaller increments, maybe 10% at a time. So you go from high growth to growth now. That season 80% split between those growth to defensive assets. And then in a couple of years' time, we maybe take a little bit more of a step back. Thinking about the returns that you've got this year, the expectation around a eight to 10% return, would you be comfortable maybe reducing back by 10%, or do you want it to stay in high growth for maybe another year and see how we go? Yeah. I guess it's a bit because there's so much shit going on in the world and everything at the moment. And That's that's one of the big things that I've been noticing this year is that a lot of people come out and go, yeah.","start_word":3131,"end_word":3342,"sentiment":"neutral","sentiment_score":-0.0910599666805762},{"text":"Cool. I'm happy to stay high growth. I want really good returns.","start_word":3343,"end_word":3354,"sentiment":"positive","sentiment_score":0.6211329102516174},{"text":"But then with what's happened this year, when you sort of look at it, the market has a very heavy drop in around about between the twenty sixth and March 28.","start_word":3355,"end_word":3385,"sentiment":"neutral","sentiment_score":-0.3136569857597351},{"text":"We saw quite a large dip, and that's sort of taken a bit of an effect on a lot of people's portfolios.","start_word":3386,"end_word":3407,"sentiment":"negative","sentiment_score":-0.4270755052566528},{"text":"And no Yep.","start_word":3408,"end_word":3410,"sentiment":"neutral","sentiment_score":-0.225569412112236},{"text":"one knows how long this war is gonna go for.","start_word":3411,"end_word":3420,"sentiment":"negative","sentiment_score":-0.3705626428127289},{"text":"We could see another large dip coming in the future. There's Well, may maybe a maybe a small reduction yeah. then for the Yeah. next year, and then we'll see how things are going next year. Yeah. That's okay. I've had a bit of a look, and with what we're sort of talking about at the moment, the way we are sort of going, you have scored in that risk profile as a growth investor. So it does mean sort of dropping that back by that 10%. It it's, as I said, only a 10% drop in the risk value. So you go from having 90% in those growth assets to 80%. You're still retaining quite a lot of it. It's just kinda stepping down gradually and putting a little bit of protections in place there because of the unknowns, and there's nothing wrong with doing so. Yep. In the growth portfolio, we're still chasing returns at between seven to 9%. You're still wanting a good compounded annual rate of return there. Yeah.","start_word":3421,"end_word":3593,"sentiment":"neutral","sentiment_score":-0.007712593657432953},{"text":"You still can expect a negative return for the one in five, but it becomes a bit less likely.","start_word":3594,"end_word":3612,"sentiment":"negative","sentiment_score":-0.4092932939529419},{"text":"And the suggested time frame for this portfolio is about six years. So, realistically, all going well, if it's age of 60, you said to me, hey. I do wanna retire. I wanna stop working. Let's make it happen.","start_word":3613,"end_word":3651,"sentiment":"neutral","sentiment_score":-0.020213883370161057},{"text":"We absolutely can. And this portfolio sort of steps you forward over the next six years to be able to do that.","start_word":3652,"end_word":3673,"sentiment":"positive","sentiment_score":0.4784565567970276},{"text":"I would still, if you're about one to two years out, be wanting to then reduce the risk even further. But for now, would you be comfortable if I just look at bringing it down a little bit? Because you are getting closer to it. It gives you the option, Yeah. Yeah. and and we We'll can go sort we'll of go look with at what that. happens. Yeah. Yeah. We'll go with that.","start_word":3674,"end_word":3747,"sentiment":"neutral","sentiment_score":0.04751585051417351},{"text":"Beautiful.","start_word":3748,"end_word":3748,"sentiment":"positive","sentiment_score":0.4680236876010895},{"text":"Sorry. It's probably not a conversation you've had before. It's something that I'm having a lot at the moment. Just sort of talking realistic terms about where everyone scores, where everyone is invested, and what that kind of means because there's nothing wrong with wanting to reduce your risk level. I've got forty year olds on my book who don't wanna be in high growth anymore, so it's honestly not a problem at all. Okay. And with the military super side of things, so I'm actually quite well versed in military super. It's something I do look at quite regularly. With that, obviously, you do have the option of accessing some of that out at that age 55, but there are higher tax consequences for doing so and limitations around how much you can access and how you can access. Yeah. I Are wouldn't you I wouldn't wanna be I wouldn't wanna be utilizing that unless it was gonna be something that was gonna yep. obviously obviously, be because it's such a good thing, it and it grows Yep. every year. It's it's, like, reliable. Yep. I I wouldn't wanna dip in that use any of unless there was, you know, there was pretty strong confidence in in it, if you know what I mean. Yeah. Yeah.","start_word":3749,"end_word":3965,"sentiment":"neutral","sentiment_score":0.06595991871186666},{"text":"Absolutely.","start_word":3966,"end_word":3966,"sentiment":"positive","sentiment_score":0.398907333612442},{"text":"And because of the type of suit that it is, there are tax consequences between even when you retire, there Yep. is tax payable on the drawdown. So what I've been sort of looking at doing with a lot of my older clients is looking at retaining that until the age of 60. Because 60 is preservation age. Yeah. You have a I lot don't more wanna control, be giving and the government the tax anything that I don't have to. They take enough from you.","start_word":3967,"end_word":4052,"sentiment":"neutral","sentiment_score":0.09739810228347778},{"text":"absolutely. Absolutely. From the age of 60, because the tax consequences are significantly lower and they're basically the lowest that they do get over Yeah.","start_word":4053,"end_word":4077,"sentiment":"positive","sentiment_score":0.35714104771614075},{"text":"the time of holding a military super, I can then look at looking at whether we retain military super and draw a pension down from that for the lifetime or whether we roll it in and combine it to the hub 20 Yeah. four account. I So mean, we got a I've couple been years kind before of weighing I can up worry the options. about that anyway. Yeah. Absolutely. Yeah. Yep. Absolutely. Oh, actually, It's something you want I've been actually, yeah. You're I've right. got I've got a year before I can even think about that because I'll look at it again next year because I'm 55 next year. So if there's Yep. something that's, like, an opportunity or something that looks good around about then, but we can we can talk about that next year, but Yeah. when I Yeah. when I No. am That's 50 okay. five. But but the That's chances okay. are, I probably I probably still be leaving it because I I don't wanna be giving the government any more tax than I have to. No. No.","start_word":4078,"end_word":4261,"sentiment":"neutral","sentiment_score":0.013959611766040323},{"text":"Unfortunately, the taxes are still quite high.","start_word":4262,"end_word":4268,"sentiment":"negative","sentiment_score":-0.420331746339798},{"text":"I mean, realistically, I would more than be comfortably telling you that I would wanna hold that as it is until the age of 60 if preferable. Yep. Yep. From the age of 55, you can't take it as a lump sum. You can only take a fortnightly pension amount, and the tax treatment currently as is at your standard marginal tax rate. So if you're still earning an income and you're on a higher tax rate because of your income, the the employer benefit in there is an untapped element. So they charge tax at your marginal tax rate, which reduces how much you could get. If you were Yep. to hold off to the age of 60 and draw a pension there, they essentially give you an offset. So it's a much lower amount, Yep. and even taking your lump sum's available at that point. And Yeah. what I'll I've been I'll doing probably with a likely lot of won't be hold off we yeah. can talk about it again next year in case something's changed, but I'll probably Yeah. change that. I won't be touched on that until '60 anyway. Much later. Yeah.","start_word":4269,"end_word":4464,"sentiment":"neutral","sentiment_score":0.009562432784967276},{"text":"Perfect. Perfect.","start_word":4465,"end_word":4466,"sentiment":"positive","sentiment_score":0.4535250663757324},{"text":"And even if 60 is worth, I'll do the research then for you again just to sort of see what the options are and Yep. what the best option is and provide the financial advice for you on whether we retain, whether we move it, what happens. It all just comes down to a lot of your goals as well, but it is something that we can touch on moving forward as often as you need to. Okay? No worries. Yep.","start_word":4467,"end_word":4547,"sentiment":"neutral","sentiment_score":0.18318961560726169},{"text":"Beautiful.","start_word":4548,"end_word":4548,"sentiment":"positive","sentiment_score":0.5206406712532043},{"text":"And my team members have come back. They're still on hold with military super. They're still having some issues. So after the call, I will send you an annual review pack. I'll have an updated balance in there for you. Okay? Okay. I mean, Excellent. I I know I know Alright. there's what was it? $3.80 or April? We had $3.80 Three last eight. year, Yeah. so I there's know it's definitely I know gonna it's be over more than that. Yeah. I know it's over $3.80, so it gives me an Yeah. idea in my head. So Yeah. Absolutely. No. Not a problem at all. I'll make sure we have that document updated in there for you to review when no the email worries. comes through shortly. So I'll go back just to kinda recap. We'll look at reducing your risk profile just a little bit there. I'll look at removing the underlying investment that's underperforming and replace it with something a bit more low cost for you that has been performing a bit better and try to diversify your portfolio as much as possible. Does that sound okay for you, Matthew? Yes. Yes. It does.","start_word":4549,"end_word":4745,"sentiment":"neutral","sentiment_score":0.07564431937591073},{"text":"Yep. Fantastic. Excellent.","start_word":4746,"end_word":4748,"sentiment":"positive","sentiment_score":0.5727390646934509},{"text":"Now the other thing to sort of just touch base on is the insurance side of things. So you don't have any life or TPD. I know last year that was sort of touched on you were comfortable with that. In the event of passing, your super is paid out. The military super also does get paid out to your beneficiaries there. Yep. I have your beneficiaries noted down here with the three of them. So we've got sorry. Here it Emma is. Hodges, Hannah Hodges, and Marie Hodges. I do. Yes. Marie is noted as other dependent. Who's Marie She to you? What's the she's relationship? my sister. Okay. Has anyone kinda gone through the legislative requirements around what beneficiaries are and who can be nominated? Well, not really, but my sister is also she also has enduring power of attorney. Okay. So with the beneficiaries inside Super, in order to be a beneficiary, essentially, it has to fit a certain criteria. It can only be nominated as your spouse, your children, or someone who is a financial dependent on you, someone who relies on you for financial support to pay their day to day bills and for financial support, essentially. Well, it's So mine. your I children should be able to leave it to whoever I mean, I could leave it to my neighbor if I wanted. I can't see why they got rules about who you leave it to. It's my money. absolutely. And it all comes down to the tax consequences, essentially. So under the legislation, they have these rules where you can only leave it to certain people. Whilst you've Yep. got Marie on there as a dependent, which is fine, it does come down to it's sitting there at the moment. If she does if you were to pass away and she was to go on claim, your two children would have no problem. They would be able to claim. However, Yep.","start_word":4749,"end_word":5076,"sentiment":"neutral","sentiment_score":-0.0017766646058412223},{"text":"the trustee would come back and tell her her nomination is invalid, and the portion that she was to be able to claim would go through and be put through in test date, and that would make it very difficult for her.","start_word":5077,"end_word":5118,"sentiment":"negative","sentiment_score":-0.5325344204902649},{"text":"So to make it So easier what's yes. Yeah. Sorry. That's No. It's definitely it's fine.","start_word":5119,"end_word":5134,"sentiment":"neutral","sentiment_score":-0.13538771867752075},{"text":"such It's bullshit. it's frustrating.","start_word":5135,"end_word":5139,"sentiment":"negative","sentiment_score":-0.6469019651412964},{"text":"That's Yeah. if I No. park It it next week, it's I've nominated that because that's where I want it is. to go. The majority of it to my kids and then some of it to my my Mhmm. sister. Yep.","start_word":5140,"end_word":5180,"sentiment":"neutral","sentiment_score":-0.0807550847530365},{"text":"So this if there's government rules or something or whatever that stops me doing that, that's that's just, I hope, excuse language, but that's bloody bullshit. I I can't believe they got a right to yeah.","start_word":5181,"end_word":5216,"sentiment":"negative","sentiment_score":-0.5733597278594971},{"text":"Alright. No. That's okay. So that's why I wanted to bring this up with you so at least we can have the conversation because there is a way around it. You've mentioned that she is your power of attorney. So do you have a will drawn up as well? Yes. Yeah.","start_word":5217,"end_word":5267,"sentiment":"neutral","sentiment_score":0.010964373126626016},{"text":"Perfect.","start_word":5268,"end_word":5268,"sentiment":"positive","sentiment_score":0.3619478940963745},{"text":"So the easiest way to get around this and, look, your children are completely fine to stay on there if you would like them to be. Children, if they are nontax dependent, do pay tax on receiving a death benefit.","start_word":5269,"end_word":5308,"sentiment":"neutral","sentiment_score":0.06201936677098274},{"text":"It's really silly.","start_word":5309,"end_word":5311,"sentiment":"negative","sentiment_score":-0.618618369102478},{"text":"I don't think children should pay tax, but it's all part of the tax legislation in regards to super and insurance benefits. So you've got essentially one of two ways that we can look to do this, and I'm more than happy to help you to pre pre fill the form if you would like to. If you can leave both of your children to receive the 45% that they are now, and then the other 10% we can have nominated to your legal personal representative, which means that 10% goes from your super into Well, your that will. legal representative would be my sister because she's the enduring power of attorney. Yeah. But in their way of super, legal personal representative means estate. So it would go into your will, and then you can have that 10% paid out to your sister through your estate. The other Right. side or the other option is you can have the whole super benefit paid to your will through Yep. legal personal representing. So that with a 100%, this goes into your estate. And then through your will, you can nominate whatever percentage you want to, whoever you want. There's no restrictions that way. Well, that's already been stated in my will. Yep. So Which is did you exactly want me? as as it is on on there, the 45% paid to the my girls and then 10% Yep. to my sister. So if if you're doing it that way in your will and that's already pre stated, it's probably better to just do a 100% of your beneficiary nomination in your super to your estate. So everything goes to your will. It all gets lumped together and then paid out 45 percent each of your children and 10% to to your sister. That would probably, honestly, be the easiest way. Yep. Well, however however it has to be done, that's yeah. Because Yep. that that's the only way that's the only way I want it distributed. Yep. So Yeah. That's and okay. that that and that's never gonna change. It'll No. just That's be absolutely 45 fine. percent to each of the girls and then 10% to my sister. Yep. No. That's So absolutely fine.","start_word":5312,"end_word":5685,"sentiment":"neutral","sentiment_score":0.09739054843066212},{"text":"It's not a problem at all.","start_word":5686,"end_word":5691,"sentiment":"positive","sentiment_score":0.41041430830955505},{"text":"It's more just making sure that you're aware that like, if this was to stay the way Mhmm. it was and you were to pass away next week, your children would come and make a claim and that would be fine. But when your sister tried to Right. make a claim, the trustee would come back and tell her that the claim isn't viable.","start_word":5692,"end_word":5755,"sentiment":"neutral","sentiment_score":-0.054140996653586626},{"text":"They're not gonna pay the money, and that would make her life really, really difficult.","start_word":5756,"end_word":5770,"sentiment":"negative","sentiment_score":-0.43582963943481445},{"text":"Yes.","start_word":5771,"end_word":5771,"sentiment":"neutral","sentiment_score":0.25280147790908813},{"text":"So doing it this way can make things a lot easier. You've already got your will set up, which is great. You've got everything nominated in your will the exact same. So we can just set if you're comfortable with me, I can get my team to prefill a beneficiary nomination for you.","start_word":5772,"end_word":5824,"sentiment":"positive","sentiment_score":0.4949221909046173},{"text":"We can post out. You just need to get it signed and witnessed. The witness can't be the people that you're wanting to have paid. So Yep. Marie, Hannah, and Emma can't be the witnesses. If you got some two other people who can just sign it with you when you're signing it, then Yep. send No it worries. back to us, and we can have that applied. That way, if anything happens next week, you're super everything just goes directly to your estate through your will, and then Mhmm. it all just gets paid out. It all gets lumped together and paid out to your beneficiaries that way. Does that make sense? Yep. Okay.","start_word":5825,"end_word":5939,"sentiment":"neutral","sentiment_score":0.14748108386993408},{"text":"Perfect. It's a much easier way for you to to deal with it, and it also means that there's less likely of a chance that, you know, your sister's gonna have any problems with the claim or get rejected with the claim at the same time.","start_word":5940,"end_word":5985,"sentiment":"positive","sentiment_score":0.42739996314048767},{"text":"Yep. Okay. Yep.","start_word":5986,"end_word":5988,"sentiment":"neutral","sentiment_score":0.1923188120126724},{"text":"Perfect.","start_word":5989,"end_word":5989,"sentiment":"positive","sentiment_score":0.4482759833335877},{"text":"Now you do have it as a binding non lapsing nomination. It is a good way to have it because binding non lapsing means that you never have to fill another nomination document as long as it is filled out correctly and it reflects your wishes. Are Yep. you happy with us ticking the binding non lapsing box Yeah. and Yeah. pre I wanna filling keep the form it keep for it you? the same. Yep. Yep.","start_word":5990,"end_word":6066,"sentiment":"neutral","sentiment_score":0.22862377762794495},{"text":"Beautiful.","start_word":6067,"end_word":6067,"sentiment":"positive","sentiment_score":0.4322550892829895},{"text":"And did you want us to post that to your email? What's easier for yourself? Probably probably easy if you post it. Yep. Absolutely. Yep. Not a problem. I am really sorry. It's not not great to have to go through that, and I I'm terribly sorry no one's kinda pulled this up in the past about those nominations, but I do try to make sure that you're aware. Because as you said, if something happens next week, the last thing you want is your sister having to go to the rigmarole and being rejected Yes. and everything else Yes. there. So I mean, it's a no difficult one time. no one knows when Yeah. the number's up. So, yeah, we'll get No. that sorted. Correct.","start_word":6068,"end_word":6193,"sentiment":"neutral","sentiment_score":-0.07487141045313032},{"text":"Absolutely. I'll take care of that one for you then, Matthew. It's not a problem at all.","start_word":6194,"end_word":6210,"sentiment":"positive","sentiment_score":0.4117694199085235},{"text":"Okay?","start_word":6211,"end_word":6211,"sentiment":"neutral","sentiment_score":0.25554296374320984},{"text":"Alright. Thank you. Beautiful.","start_word":6212,"end_word":6215,"sentiment":"positive","sentiment_score":0.5344244241714478},{"text":"Yep. That's alright. Other things to just kinda check on here, income wise, I had you earning about a 120,000 per annum. Have you been lucky enough to get a pay I'm on rise about I'm on a 100 and 130. recently? 130,000? Yep.","start_word":6216,"end_word":6259,"sentiment":"neutral","sentiment_score":0.09032151848077774},{"text":"Fantastic. Excellent.","start_word":6260,"end_word":6261,"sentiment":"positive","sentiment_score":0.5137275457382202},{"text":"I think it's actually a smidge over that that would would Yep. just say 130. That's fine.","start_word":6262,"end_word":6278,"sentiment":"neutral","sentiment_score":0.13899950683116913},{"text":"It's not a problem at all. Fantastic.","start_word":6279,"end_word":6285,"sentiment":"positive","sentiment_score":0.3737661838531494},{"text":"And I have here you work for OsmoFlow. What's your Yes. actual title? What's your title at work? Service technician. Service technician. Perfect. I'm a electrician by trade, but but Yeah. so I do electrical as well, but my main role service technician. So because my main role now is basically water treatment. I'm looking after a reverse osmosis plant. Yeah.","start_word":6286,"end_word":6346,"sentiment":"neutral","sentiment_score":0.05988848954439163},{"text":"Wow. Fantastic.","start_word":6347,"end_word":6348,"sentiment":"positive","sentiment_score":0.4164908528327942},{"text":"I'll break and maintain and all that. Yeah. Yeah. Wow. And you sort of sort of work week on week off. Is that how that works? Like, on-site? Yep. Yep. I fly Okay. at the site Thursday and Yeah. then fly home the next Thursday, and it just goes on like that. Wow. Well, at least you get a bit of downtime in between. And, I mean, at the moment, the downtime doesn't feel like downtime because you're renovating as well, but, hopefully, Well, we you gotta enjoy do some what downtime. we gotta do. That's it. But and I can't, yeah, I can't have a normal job because I wouldn't be able to I'll be struggling if I have a normal job, so I have to work. Yeah. That's that's okay. I also just need to update your next of kin on file. It looks like I don't have a next of kin. Yeah. Who would you wanna nominate as your next of kin? Would that be your sister or daughter? Yep. Yes. My sister. That's Marie. Beautiful. Well, do you know her phone number if I had it all? One moment. You're right. It is 0409367 Yep. Yep. 534. 534.","start_word":6349,"end_word":6550,"sentiment":"neutral","sentiment_score":0.015428143968381504},{"text":"Fantastic. Thank you for that. Appreciate it.","start_word":6551,"end_word":6557,"sentiment":"positive","sentiment_score":0.6443431377410889},{"text":"I think when we kinda got on to the beneficiary side of things, we're talking about the life cover. So, realistically, not having any life cover at the moment means that your super benefit is paid out. It's the military super and you have 24, which, given the current balance at the moment, is a bit over 560,000 plus however much more than military super is boosted for. That would realistically cover your mortgage, you know, pay out the debts there and then be provided to your family as additional. Are you fairly comfortable with that level of cover if you were to pass away and what that would cover? Yeah. I guess so. Yep. That's okay. And, TB, like, you don't have any sort of permanent disability cover. Obviously, in your fifties, that sort of insurance does become more expensive. And if you were to be totally permanently disabled, never able to go back to work again, we can claim that against your super to have releasing there. Are you comfortable just not looking at having any new cover? You're happy with the the income protection that you've got? Or Yeah. Yep. yep. Yep.","start_word":6558,"end_word":6752,"sentiment":"neutral","sentiment_score":-0.0791487768292427},{"text":"That's okay.","start_word":6753,"end_word":6754,"sentiment":"positive","sentiment_score":0.4675465524196625},{"text":"With the income protection that you do have at the moment, it does pay out a monthly benefit in the event of short term disability. 6,215 is the cover amount. That's a pretax benefit. So say if you were to get, I'm estimating about, say, $5,600 on a monthly basis, in the shorter term for income protection, would that kinda cover your expenses? Well, I mean, my my mortgage alone, I pay I put 3,200 into that a month. Yep. That's it's about $200 more than I need to, but that that just means it helps Yeah. get it down quicker. That's I'll pay about Do $200 you more than what I actually have to do because I'm trying to get down quicker. yeah.","start_word":6755,"end_word":6878,"sentiment":"neutral","sentiment_score":0.10731865465641022},{"text":"Is this more looking at, like, the income protection sum insured that you do have is good. It's not a bad sum insured by any means.","start_word":6879,"end_word":6904,"sentiment":"positive","sentiment_score":0.3767775893211365},{"text":"It's we could look at getting more cover for you if you wanted to maximize the income protection, but it is expensive. It is paid out of your super, and having insurances paid out of your super does affect how much you have to retire on. So it's more just about making sure that you've got the cover you want, but we're not eating away all of your super and ending up with nothing. Yeah. And, also, what your goals are? Did you wanna look at maybe income protection, or are you happy just with what you've got at the moment, hoping that you don't have to claim? What's your thoughts? Yeah. Probably just happy to leave it at the moment. Yep. Yep. It is very expensive, so I wouldn't increasing income protection could increase it over about $10,000 per year premium wise, because this year, you paid 5,685 for that. So it does get more and more expensive as you get older. Yep. Yeah. That's fine.","start_word":6905,"end_word":7071,"sentiment":"neutral","sentiment_score":-0.008766806684434414},{"text":"We're happy to leave it as is.","start_word":7072,"end_word":7078,"sentiment":"positive","sentiment_score":0.45810452103614807},{"text":"If you ever want us to sort of reevaluate it, let me know. There is the risk that it is more expensive, Yep. but it's more about making sure that you do have cover as well. One of the biggest risks that we take with having any insurances is that we have them and never claim on them, and then we cancel them, and Sorry. we pay You the just lowest you just in premiums. you just cut out then. Sorry. I thought you went. Oh, That's so sorry. alright. The big the biggest risk we have with insurances is that we hold the insurances. We pay the premiums for years, and we never actually claim. So then we they just get canceled in the end anyway. Yep. Yeah. But, I mean, hopefully realistically, we hope that you never have to claim on income protection. Do you have much sitting in your offset or redraw facility that you could sort of fall back on if you needed to for living expenses? Not at the moment because I've had to use it to do things. Expenses. But I've because Yeah. there's only, like I don't know. It's something it's it's over over a grand, I guess. And Mhmm. yeah. I also get I also get paid I also get DVA payments. Oh, do you? Okay. Perfect. But it that's and that's normally, I don't know, roughly $250 a fortnight or something like that. Okay. Perfect. That's something I didn't have noted down here, but that's really good to know. So $250 per fortnight from DBA. Excellent. Yeah. It's rough roughly about that. Yep.","start_word":7079,"end_word":7350,"sentiment":"neutral","sentiment_score":-0.03647966855479514},{"text":"Beautiful.","start_word":7351,"end_word":7351,"sentiment":"positive","sentiment_score":0.4582061171531677},{"text":"And, look, realistically, by not having any more income protection, you are still getting the DBA payments there as well. Yes. And when you do claim on income protection, they do tend to offset the sum insured by any payments that you are receiving, and DBA is included in a lot of those depending on the Mhmm. insurer. So if we looked at increasing it up to the level that you would realistically need, it could then be offset and reduced in the event of claim anyway.","start_word":7352,"end_word":7438,"sentiment":"neutral","sentiment_score":0.15108561515808103},{"text":"So Yeah. retaining that and keeping the DBA payments is good. It's giving you a bit more of an offset, which is good.","start_word":7439,"end_word":7461,"sentiment":"positive","sentiment_score":0.5084881782531738},{"text":"Okay? Yep.","start_word":7462,"end_word":7463,"sentiment":"neutral","sentiment_score":0.2342529743909836},{"text":"Excellent. Excellent. I'll make a note of that. That's beautiful.","start_word":7464,"end_word":7473,"sentiment":"positive","sentiment_score":0.5196710467338562},{"text":"Have the DBA payments increased at all over the last couple of months? No. I said I actually think it's close to the 280, but a fortnight. But Yeah. yeah. But it's it's I know it's a minimum of $2.50 a fortnight, but Yep. normally, it's Perfect. a little little bit more than that. But, you know, I like Perfect. to Yeah. bear on the side of less. Caution. Yeah. No. Absolutely. No.","start_word":7474,"end_word":7546,"sentiment":"neutral","sentiment_score":0.04311630874872208},{"text":"It's fantastic. Thank you for updating that for me. I'll make sure we do have a note of that on file, which is great. Excellent.","start_word":7547,"end_word":7571,"sentiment":"positive","sentiment_score":0.5622798204421997},{"text":"I've got down here that you were a social smoker about three a day. Is that still correct? Yeah. It's probably yeah. Yeah. Yeah. Probably a bit probably closer between five and ten, but yeah. Yep. Sorry. Depending on the day. Yeah. Depending what's going on. I mean, I I, you know, I might go days without nothing, and then, you know, and then I might have attend a function that'd be whoop up and, you know, if you drink, and then you have a bit more of it. Yeah. And, you know, it Yes. all averages out. Absolutely. Absolutely. No. All good. And I'm just gonna update here. It says on here from the last back one, you didn't have a will updated. So I'm gonna note here that you do because you do have your will and power of attorney and everything set up, which is good. Yep. Other than that, everything else looks good. The only other assets to kinda check-in on I had a camper van. I'll see here with an asset value of 17,700. Do you still have the camper Yeah. van? I still have that. Yep. I also have a classic vehicle. Okay. Cool. What kind of vehicle? It's a 1959 FC Holden special sedan. Oh, nice. Yeah. And She's what's 60 the six years asset old value? this year. Yeah. What's the value would you put on that one? Probably between 30 and 35 at the moment. Yep. Yep.","start_word":7572,"end_word":7817,"sentiment":"neutral","sentiment_score":0.03381142856144324},{"text":"Beautiful.","start_word":7818,"end_word":7818,"sentiment":"positive","sentiment_score":0.5979425311088562},{"text":"I Is mean, it the something the you're value doing up? the value on these, they go up all the time. They never go down. Oh, absolutely. Yeah. But, like, if I was, like, to sell it now, I wouldn't I wouldn't take less than 35 for it.","start_word":7819,"end_word":7866,"sentiment":"neutral","sentiment_score":0.037013038992881775},{"text":"So Oh, perfect. Perfect.","start_word":7867,"end_word":7870,"sentiment":"positive","sentiment_score":0.4519748985767365},{"text":"And is that kind of one of your things you wanna do in retirement and do up cars and things like that or travel, No. or what's Just your retirement this is plan? that's just Yep.","start_word":7871,"end_word":7906,"sentiment":"neutral","sentiment_score":0.07565478980541229},{"text":"that's my dream car.","start_word":7907,"end_word":7910,"sentiment":"positive","sentiment_score":0.3710227310657501},{"text":"I've wanted one since I was 11 or 12 and Oh, put love me to that. my fifties to get to Yeah. a point where, you know, I'd have done it for justified anyone. I could be dead next week, Yeah. so I just got Yeah. it. Yeah. And No. That's regardless fantastic. what anyone says, it is an investment because it's worth more than I paid for it, and the value goes up Yeah. each year. Yep.","start_word":7911,"end_word":7988,"sentiment":"neutral","sentiment_score":-0.01931861974298954},{"text":"Perfect.","start_word":7989,"end_word":7989,"sentiment":"positive","sentiment_score":0.35278162360191345},{"text":"Perfect. And the other thing I have on here is another motor vehicle with a value of a 100,000. I Yes. assume it's the one that you drive all the time. What kind Yeah. of That's car my do daily you driver. It's yes. it's a 2019 Dodge Ram, a Ram 1,500. Yes.","start_word":7990,"end_word":8042,"sentiment":"neutral","sentiment_score":0.060705576092004776},{"text":"Perfect. Excellent.","start_word":8043,"end_word":8044,"sentiment":"positive","sentiment_score":0.3824103474617005},{"text":"And value on that is about a 100,000. Would you keep it about Easy. the same? Yes. Easy. Yep.","start_word":8045,"end_word":8063,"sentiment":"neutral","sentiment_score":0.11502165347337724},{"text":"Beautiful.","start_word":8064,"end_word":8064,"sentiment":"positive","sentiment_score":0.46102896332740784},{"text":"And I'm happy that you had a loan there of about 50,000 on that one. Do you still have that loan on the vehicle? No. No. I it's No. Paid off. no. It's all I I rolled it all over into my mortgage, so I've only got Yep. the one payment. So I own I own both vehicles. I own van. The only payments that I have is basically my mortgage. Yep. Yep.","start_word":8065,"end_word":8137,"sentiment":"neutral","sentiment_score":0.054755295180294615},{"text":"Perfect. Excellent. Excellent. Well, that looks like everything's all good there.","start_word":8138,"end_word":8148,"sentiment":"positive","sentiment_score":0.6902197599411011},{"text":"So just to kinda recap, I'm looking at altering your portfolio. I'll reduce the risk level a bit for you, but also look at replacing the investment that hasn't been performing properly. I'll look at the overall risk of your portfolio Yep. and maybe rebalance if we need to as well. Because you are closer to retirement, do you want me to maybe look at the retirement asset down the track for you and see where we might be heading just to give you a bit of an idea? I can't factor in the military suit because they don't tell us what the CCI benefit Yeah. is that they Yep. increase by. But did you want me to just look at the hub 20 4 and see where we're tracking where we should be able to end up at maybe sixty, sixty five, and what that looks like down the track for you? Yeah. That yeah. It wouldn't hurt. I mean, things Yeah. could change, but yeah. At Yeah. least it gives us an idea. Absolutely. It's more just a limited scope sort of section of the advice that I look at when you're in your fifties, sort of look at where we're tracking with what we're working on now, and then we'll keep sort of reviewing that. I look down the track to see whether you might be eligible for any additional Centrelink benefits as well, and sort of see what kind of longevity we're hoping to get out of your super. Yeah. And it will not include your military super, so that'll obviously, you know, provide a greater effect. But I can I can look into that for you as part of the advice document, do a bit of limited scoping on there? Just to sort of show you where you're tracking for to, you know, give you a little bit more of an idea of what's down the road. Does that sound okay? Yep. Yep.","start_word":8149,"end_word":8476,"sentiment":"neutral","sentiment_score":0.029069924727082253},{"text":"Beautiful.","start_word":8477,"end_word":8477,"sentiment":"positive","sentiment_score":0.5079565644264221},{"text":"Yep.","start_word":8478,"end_word":8478,"sentiment":"neutral","sentiment_score":0.2333761900663376},{"text":"Beautiful.","start_word":8479,"end_word":8479,"sentiment":"positive","sentiment_score":0.5478474497795105},{"text":"The only other thing I wanted to touch base on here was that you don't have any kind of insurances out of Super. You're not wanting to try and pay for any of the insurances outside of Super.","start_word":8480,"end_word":8517,"sentiment":"neutral","sentiment_score":-0.2268534153699875},{"text":"It sounds like your cash flow is a bit tight.","start_word":8518,"end_word":8527,"sentiment":"negative","sentiment_score":-0.35079166293144226},{"text":"The mortgage is your main priority. Is that Yeah. right? Yep. Yep. Yep. That's okay. Not a problem at all. And is there any other goal that you might be wanting to achieve aside from the retirement aspect, building super, and No. It's just paying mortgage off your and mortgage? retirement. Yeah. Just mortgage That's and okay. retirement.","start_word":8528,"end_word":8585,"sentiment":"neutral","sentiment_score":0.14518223702907562},{"text":"Yep. That's absolutely fine. We'll get those beneficiaries updated for you and send them out, and I'll go Mhmm.","start_word":8586,"end_word":8604,"sentiment":"positive","sentiment_score":0.3964768052101135},{"text":"working on the research for you there, Matthew. We are just gonna send through your annual review docs afterwards, which will have a copy of all the information that we've gone through with the reports, the balances of your super, the updated information around your income protection policy. I've also got on that document our financial services guide, which has a lovely picture of me, and I'm a full licensed adviser. So it'll have my registration information for you. If you ever wanted to look me up, my license number registered with Aptive is 1304394. No worries. Okay? The only other thing to let you know is we do as you are an ongoing client, we're updating the advice for you. The advice is updated with no additional fees, no implementation fees, or anything like that. As Oh, an good. ongoing client, you do pay us an ongoing service fee, so it's our job to update the advice and make sure that we're reflecting things and changing things for you as your life changes. Mhmm. The ongoing service fee is 1.65% per annum, so over the course of the year. Each month, it is deducted in smaller monthly increments, And the idea of the percentage based fee is it fluctuates with the market. So when your super is performing better, our fee is gonna increase. However, if the market takes a dip with what's happening globally, it means our fee takes a dip there with it. Does that make sense? And do you have any questions at all? No. No.","start_word":8605,"end_word":8864,"sentiment":"neutral","sentiment_score":0.09904234118473072},{"text":"Not at this time.","start_word":8865,"end_word":8868,"sentiment":"negative","sentiment_score":-0.4040989875793457},{"text":"Not. So No. That's I think you just got covered everything.","start_word":8869,"end_word":8879,"sentiment":"neutral","sentiment_score":-0.17079147696495056},{"text":"beautiful. That was my goal for today was to touch base on all the things.","start_word":8880,"end_word":8894,"sentiment":"positive","sentiment_score":0.5040155053138733},{"text":"I did a Mhmm.","start_word":8895,"end_word":8898,"sentiment":"neutral","sentiment_score":0.31609565019607544},{"text":"really good review of your file beforehand, and I wanted to sort of touch base on all those additional areas and make sure that everything was working for you.","start_word":8899,"end_word":8927,"sentiment":"positive","sentiment_score":0.45190489292144775},{"text":"I'll go back and do some research, and my team will let you know when we have the advice ready to go. We'll come back and have a look at that together. Does that sound okay? Yep.","start_word":8928,"end_word":8964,"sentiment":"neutral","sentiment_score":0.30338117480278015},{"text":"Cool. Fantastic. Yep. Well, I will let you go. You have an amazing afternoon. Enjoy your days Mhmm.","start_word":8965,"end_word":8982,"sentiment":"positive","sentiment_score":0.6788804531097412},{"text":"off, and don't work too hard on the house.","start_word":8983,"end_word":8991,"sentiment":"neutral","sentiment_score":0.330595463514328},{"text":"And I'll get stuck into those research and get those emails out to you.","start_word":8992,"end_word":9005,"sentiment":"positive","sentiment_score":0.5007075071334839},{"text":"And, yeah, if there's anything else you need, please don't ever hesitate.","start_word":9006,"end_word":9017,"sentiment":"neutral","sentiment_score":0.31455010175704956},{"text":"Let me know. I'm more than happy to make time to have a chat. No worries. Thank you very much. Oh, thank you so much for your time. Enjoy your afternoon, Matthew. Alright.","start_word":9018,"end_word":9050,"sentiment":"positive","sentiment_score":0.6449846625328064},{"text":"No worries.","start_word":9051,"end_word":9052,"sentiment":"neutral","sentiment_score":0.32734978199005127},{"text":"Cheers. See you later.","start_word":9053,"end_word":9056,"sentiment":"positive","sentiment_score":0.5361028909683228},{"text":"Alright. Bye. Bye bye.","start_word":9057,"end_word":9060,"sentiment":"neutral","sentiment_score":0.2302064597606659}],"average":{"sentiment":"neutral","sentiment_score":0.053230825245658885}}}}