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Probably a bit cold in Queensland, I imagine, but we get by, hopefully, rugged up. Perfect. Now I'm just giving perfect. We've got the aircon going on heater at the moment, so nice and fun. I'm just going through your annual review today. Do you still have a bit of time for me? Amazing. So I've got a bit of an annual review pack that I will send through to you. Just while I'm sending that through, could I please confirm for security your date of birth and address? Sensational. Thank you for that. And I'm registered with ASIC as Adviser 1273105. Now, Lucia, is there anything in particular that you had in mind to focus on for this annual review? Yep. Just a bit of a general update kind of thing. Yeah. Absolutely. Yes. Yeah. Yep. Okay. I can definitely go through that with you today. I've got your certificate of currency up for the income protection. So oh, yes. Yes. Yes. So the way the NRMA policies are a little bit different than a standard income protection policy. So sickness and injury, they're your two areas of claims. So illness and, like, you know, car accidents and injuries and things like that that prevents you from going to work. So as a little bit of a quick overview, on your hub twenty four super, we have the insurances that we had transferred across into the account. That's your life insurance and total disability insurance through the super. So that's 340 just under 342,000 in the event of death or total disability. It's a lump sum. That one's nice and cheap. That one's $431 per year. Now when it comes to the NRMA policy, what's left over here for the the income side of things, there's a waiting and a benefit period. Do you remember how those work? Yeah. Perfect. It does. And the problem with stepped policies too, that used to be able to do level policies that didn't go up as much. But with step policies, it really does go up quite a bit each year, especially through the later years as well. So once you hit, like, 50 plus, it wouldn't surprise me if it was jumping up 20 to 40% per year. And before you know it, you're 58 years old and you're paying $7,500 for this policy. Now it's 4,000 a month worth of cover, and the way the the periods work is you have a waiting period. So if you're out of work for more than twenty eight days, which is pretty standard, thirty days is usually standard. It's a little bit shorter, which is good. They can pay you monthly for up to six months. Now that's not a, what I would call, a comprehensive policy because normally, the policies that we go through, whether it's personally or through super, the benefit period is more two years, five years, or up to the age of 65. So you have a very short benefit period. It's very, very short term illnesses and injuries, if that makes sense. Now what I can kind of see for the sense. Now what I can kind of see for the premiums on that one is that it is about 1,200 a year out of pocket. And, yes, you can claim that as a tax deduction as well, which is nice. Get a chunk out of that to drop it below a thousand dollars. But affordability really is a question of cash flow and priorities for what you wanna use that cash flow for. Now one consideration that you could have, it may not be possible right now, but if, for example, we could get an income protection policy paid through your superannuation, That would obviously save you the premiums coming out of pocket as long as the contributions and growth could kind of handle the cost similar to how it handles your life insurance cost. K? Now with that income protection through NRMA, I know that it's just been end of financial year and tax returns and everything. Are you considering canceling it? Are you thinking of alternatives? Are you wanting to see if it is a good value policy? Yep. And it's a thousand dollars a week before tax. So if you're off work for six months, you'd be getting, what, $75,800 a week. Yeah. Yeah. Absolutely. And, look, essentially, we're all doing it tough at the moment, and and the risk trade off is essentially if you don't value the policy, obviously, you understand that there's a risk of not having that cover there. But, you know, I can't put words in your mouth and say this is what you should have. Everyone's different when it comes to insurance. And if you're happy to self insure and maybe build up your savings instead for a similar situation, where if you're off work for a couple of months, you've got the savings to back you, that is a form of self insurance. Yep. Yeah. Yeah. Look. I have some clients who are, you know, early thirties, and they've got the really big mortgage, and they really need it to kind of cover them for that ten to twenty years until they've got their assets built up. But at the same time, like like you said, you've got the savings. You've got the superannuation building up as well. So when it comes to NRMA look. I'll I'll go through the questions when it comes to trying to obtain an alternative policy, but I do know that there I believe there may have been some trouble initially trying to get a policy in place. And was that mainly down to was it, I'm assuming, health concerns more so than occupation? Yeah. K. Has there been any improvements in the health department that I can kind of go back to some insurers and maybe hunt around a little bit, or do you think it'd be the similar outcome? Yep. Nothing for four or five years. Now when it Yes. No cholesterol. Nothing like that. So blood clot and endometriosis is the only concerns. I will ask is perfect. And I do have to ask because this is kind of my job to hunt around for people and try and find the best deal is just any current medications that you you currently own, or you offer medications altogether? Ozempic. Now if you're on Ozempic for weight loss, they do obviously check BMI is pretty big for when it comes to pricing. And then also, if there's any I I've got a few friends that have done, like, the lap band surgery and had a significant weight loss. And then if they've had a significant weight loss, you have to kind of keep it off for a period of time. Otherwise, they kind of add half of it back on, if that makes sense. Yep. So no surgery. Well, if you have, I can actually just do that quickly with you now. So what I need to do so we've got a 160 centimeters on file for height. Perfect. Look, I've actually seen somewhere five years later. I'm like, why are you five centimeters tall or shorter than what you first said? But anyway, that's cool. Yes. This is true. This is true. I think some guys, though, told me some tattletales early on. That's all. Okay. So I will get from you either current kilos or pounds for weight, and I'll plug that in. Ninety one. Alright. Thirty five point five. And in terms of weight loss, do you have a bit of an idea of, like, the last twelve months, last six months, kind of what the weight loss journey has been like for you? That would be very helpful, yeah, if we just kind of give them an idea anonymously. Okay. September 2025. And if you have that peak there, I'll just note that down. 101. Okay. So from so essentially 10 kilos. K. So what I would do 400 I mean, that sounds pretty sort of sustainable because it's not like a 40 kilos in three months type thing. It seems like a gradual yep. Perfect. So the way that usually works is from September till now, they'll probably add half of it back on for a period of time until it's twelve months off. If that bumps you up to 37.5 on the BMI, they may add some loadings on where they say, oh, we're gonna up the price by 50% until that twelve month BMI goes below I think it's 35 or 36 at the moment is usually the cutoff. They've actually increased it recently. So I will call around and double check. But if they are gonna add a loading on and the price jumps up to $23,000, do you want me to kind of bother with the quotes, or what would be your preference? Yeah. And that's the thing is, yep, yearly basis can check on these things, and I will basically call around and check. And if it's not really gonna be affordable, I'll put a flag on there for the next review. And then what we could potentially do is at the next review, do a bit of a pre assessment where they ask a little bit more in-depth questions again, and then we can kind of shoot that off anonymously to the insurance and see if anyone's gonna come back with a with a good deal for you. Cool. I will put in a flag that you're looking to cancel the insurance, and I'm assuming for NRMA, you would probably just call up and they would do it straight away and okay. Cool. So I'll note that down. Yeah. That's right. So no large refunds there. Perfect. Now if I do get a good outcome from calling the insurers, what I'll basically do is do some quotes for 70% of your income, which is kind of like that maximum that you can do these days. I did have you on a higher duties last year where you had gone from about a 125,000 up to a 188. Do you know what you've kind of ended the financial year on? Yep. Okay. Perfect. Oh, great. And how's that going for the stress levels? Yep. Yeah. That's what we do. We take them from there. Now similar occupation title, I'm assuming, project coordination business management. Yep. Perfect. Okay. So I might base it off the $1.50 for now because if I start trying to push up to that two $100,000 mark, you you're probably gonna get into the extra blood checks and high premiums and all that kind of thing if you're okay with that. Perfect. And when it comes to the benefit and waiting period, I said before that that thirty days is pretty standard. You can go cover all the way up to the age of 65, five years, or two years, so you kind of go short, medium, or long term with it. But the main question first is waiting period. Do you want me to do, like, a thirty day standard, push it out to sixty or ninety days because you've got the savings behind you and make it a bit more affordable? What would be your preference there? Sixty. Perfect. That kind of narrows it down a little bit because only a handful of insurers do the in between, which is good. So we'll go sixty days. And if nothing comes of it, I'll still keep this on file so that when we go for it again, we can at least go through those preferences. And so what I normally do in terms of affordability is we usually flag premiums once they are, you know, chewing into about 30% of your contributions as a rate as a bit of a red flag for affordability to make sure it's still growing. So if you're okay with that, I can base the benefit period on the best we can get within that affordability metric. Perfect. Alright. Age 65. Five year, two year. A little bit of quotes and calls for that one. If the team have any other questions health related, I will get them to give you a call when you are free just to go through and see if there's anything else we can do because part of underwriting, it's a bit of a negotiation. When it comes to your occupation, that's gonna be really good for pricing. So you are quite high up in income. You do have it does note that you have some tertiary qualifications. Is it is it kind of like a degree in your field, anything like that, Diplomas, degrees, anything that I can note down? K. And master's in primary education. Fantastic. And do you look after a lot of staff underneath you in terms of managerial duties? Three direct reports. Perfect. So I think based on that, you would probably be looking at a double a rating, which is the the second best. The only one that's above that is kind of like, you know, a lawyer who looks after 50 staff and a big successful business type type thing. Alright. That's perfect. Any questions on that so far? K. When it comes to your life and TPD insurance, that 300 that we've got inside the super, do you want me to just kind of leave that alone? Do you want me to look at increasing, decreasing, or just kind of focus on the income side? K. And I do have to ask for the fourth one because there are four insurances. And the other one is trauma insurance, which has to be paid out of pocket, and it's for heart attack, stroke, and cancer. So it's essentially like a a $100,000 lump sum if you have one of those major conditions, whereas it's not passing away or being off work or total disability. It's just the diagnosis itself. It can definitely range up to 100 a month or above. So I just wanted to sort of gauge with you if that's worth quoting for or just focus on the income side. Yeah. I mean, the life insurance and the disability insurance will still be there in those circumstances if it gets bad enough and the income protection possibly as well. But this is more like going to a private practice for extra treatment, partner taking a bit of time off work to look after you after a heart attack. It's a bit of a nice to have. K. Now I think I have everything I need to to do that initial research. And like I said, if it is a good outcome, I'll run it by you. If not, I'll keep it on file for the next review. So that's pretty much it for the insurance side. Just wanted to quickly check with you as well. We have the new system, and I've just been updating everybody's details. Assets and liabilities, we did have three properties noted down as well as quite a bit in savings and some investments in some ETFs. So I'm just wondering if you still have the three properties. Yep. With the offset account, we had a 120,000 in there previously. Have you managed to increase, decrease? Yep. That that's fair enough. Yeah. Investments in the ETFs, we had about 6,000 there. I don't know if you've been continuing to invest alongside. Yep. And any interest in further investments there, or was that just kind of growing in the background? Perfect. I was gonna do just some update evaluations. Just wanted to check-in terms of the mortgage on your main residence. 230,000 we have. That's alright. And while you're doing that, I'm just gonna see if I can get a quick valuation update on 218. Thank you very much. 218000. Have there been any major changes to Wheeler Street or Sunset Drive in terms of value or loan structures and amounts? K. I still have the the main residence valued at about 1,700,000. That's what I'm seeing online as well. So would it be safe to kind of leave those three as they are? Or Perfect. We got the Kia Sportage, the Mazda CX three, and that should be I'm assuming no other assets or loans floating around. Oh, there you go. Congratulations. Got in before the legislation. Well done. So I'll just do some quick round figures for that one. Oh, in Australia, I think anything can change at any point now, can't it? So we'll put investment property number three there. Just a quick round figure on value and and loan on that one. Yep. Thank you. And I do appreciate you oh, that's gonna be a fun one, but I do appreciate you updating these details with me. And what would you like me to call this one? Should I put a a straight down for that one as well? Yeah. Parkridge, Thornton. Kilmore. Perfect. Victoria. I managed to spread around one in each state. That's amazing. Branching out a little bit is nice. Okay. So it's owing a bit more than the value. Yep. Yeah. No. That's fair enough. Alrighty. $6.80 on that one. 600 value. Amazing. Thank you very much for that. Yep. No. That's totally fine. If it becomes necessary for the advice that we need to factor in a more accurate value, we can kind of go through some online estimates as well, but not necessary at this point. Cool. Lucille, before I jump into the portfolio side of things for the super, I just wanted to double check in terms of cash flow priorities and belts. We do have a bit of an earlier retirement flag for you guys aiming for that age 60 where you can access your super. I'm just wondering if there's anything else that you guys are now focusing on for the next few years now that you've got that third investment property. Yep. Absolutely. Now when it comes to contributions into super, I did notice a decent amount going in there because they've they've obviously had that bump up in the duties. Are you looking at doing any salary sacrifice this financial year, or is it mainly just focused on that mortgage and the offset for the next twelve months? Yeah. And that's what I was kind of seeing where there's a lot of contributions going in, and I see it increasing quite quickly. Yeah. That'd be the safest way because there was already 20,000 in the last twelve months even with that holiday and everything. So if we get to end of financial year next year, if there is anything left over, you know, one of the strategies that I I recommend a lot is just pulling everything into that offset account. And then when end of financial year comes, if you wanna do a little top up contribution then, you can kind of get the best of both worlds. But I don't see any reason of doing any salary sacrifice at this point. Perfect. Now when it comes to the portfolio itself, so I'm just having a look at both accounts. So you guys are all linked up. Hub twenty four is doing its family fee linking, which is great. That brings you down in the admin fee categories quite quickly, especially because combined, you're sitting at that kind of 700,000 mark now. So the next tier for you guys in admin fee reductions is a million, and then it goes down to very, very low percentages. With Hub, they tend to go from, like, 0.36% straight down to 0.1 and then 0.04. It pretty much becomes nothing when you have over a million to $2,000,000. So that's really helpful. Balance wise, so you've had a pretty, pretty strong journey of contributions and growth since you started. A hundred and twenty eight thousand at the start. You're sitting at $2.77 $5.06 4 today. It slowed down a little bit the last twelve months. So I think you've gone from $2.46 to $2.77. Half of that is your contributions, and half of that is the investment growth. Now we had a bit of a drop in the markets in March where the balance had kind of fallen from $2.70 to $2.50 and then bounced back up to $2.77. So about $20 drop for a month's period. You mentioned at the start of the call being quite risk averse. So I wanted to just quickly ask you because you're in that growth profile, you're kind of at, like, a a four out of five on the risk profile. You're not high risk, but you're still primarily focusing on growth. And what that means is you've got 80% in, like, shares and property rather than 90 or a 100%. Now because the returns are all percentage based in super, what tends to happen is as you build up your bigger balance, that 10% return up and down, that's gonna be a bigger portion of your balance. So what you're gonna start noticing now is that your super from 277,000, it could go back down to $2.50, and then it could be at 300,000 this time next year. So what I kind of mean by that is if you get a 10% return of of $500,000, there's $50. But if you only had 30,000 in super, it's $3,000. So what tends to happen now is that the growth of your super is a lot bigger than the contributions that you're gonna be putting in. It's kind of gonna take you off and get you to those higher amounts more so than what you're putting in. Now just based off that, Lucia, any concerns on your end when it comes to what I said in terms of the volatility that you've experienced? K. I'm assuming you're not considering trying to increase risk at this time to try and get a higher return. K. Perfect. I think growth is pretty reasonable. You've got a good 6 figure income. You've got a pretty decent balance for your age, and it's catching up pretty quickly as well. The returns, like I I mentioned before, a little bit slower this year. So normally, when you're in a growth profile, we wanna be aiming for around about nine to 10% average. Whereas in a single year, it could go up 20%, and it may drop in those, you know, one off bad years where there's a GFC, a COVID, a war breaking out, or something like that, and just get that average over the ten year period over that market cycle of the nine to 10%. Does that make sense to start with? Cool. So it's only grown by about five or 6% the last twelve months because it kind of went up, went back down, then went back up again. So it kind of had that blip in the middle. So it hasn't gone negative, which is good, but I do wanna warn you that there will be a negative year coming up sometime in the next few years. K? So what I need to do when I'm looking at your investments, because you've got eight different options that we've kind of put together to build a portfolio. So one of them is like your gold option. One's your shares in America, some cybersecurity, all these different areas. We put them all together, and that makes your nice pie chart. That's your portfolio with all the different assets. When I look at these options here, I'm sent you through a bit of a report just so you can see them as well. Pretty much everybody has had some really strong returns. Everything is double digits that I can see. Gold's up fantastically 12%. You've got agriculture shares that are up 19%. So everything's looking really good. You've got a safe portion, that 20% that's not invested in the stock market. That's up its usual four to 5%, which is pretty standard. And you've even got some infrastructure that's going up really well, 18% there as well. The only one that's a bit of a concern for me is a Benelong Australian shares option. So that one's actually dropped quite significantly compared to the other options. It's a portion of your balance, but I would say it has underperformed the other Australian options that are out there. So what I'm thinking is that overall, the super is not doing too bad, good long term growth, but I think a bit of an engine tune up is kind of warranted where you've been in this for a few years now. I think I wanna kind of maybe switch out this option at least. The other ones are looking really good, but I just wanna kind of knock out the bad apple and put in a good red apple, if that sense. So while I'm doing the calls and research regarding the income protection, I'm just gonna look for a bit of an update. I do have one question for you, though. In terms of the style of the investment, because Hub twenty four has the most investment options in the country, we're talking about 1,300, I need to whittle it down just a little bit. Now we've got a choice between low fee options, passive, or a bit more higher fee to try and get a higher return. And I just wanna know where you kind of lean between the two. And there's no wrong answers cause I can pick a a really good one in either one, but it's really just about that gut feeling of where do you lean between higher returns or lower cost? Yeah. That's right. So the risk profile stays the same. I'm just gonna change the style of the manager. Okay. So that's similar style to what it's currently in. So what I'll basically do is I'm just gonna I've got a few people that we've shortlisted. We've been researching recently, and I've got a couple there that I'm gonna compare and do a bit of a switch out like for like for you. Perfect. Alrighty. Any questions on that so far? Amazing. Now what we can do later on is when you get a bit closer to retirement, I think it would be a good idea to get both of you guys together and just have that sit down of a bit of a joint retirement discussion when it becomes a bit more practical. So what I'm sort of thinking is we're focusing on just getting that good growth out of it now, aiming for the age 60 retirement. But once you're getting close to that last sort of ten to fifteen years, we might tie both of you guys in together for a joint analysis just to see how you're tracking for retirement, how long the funds will last, will it go past life expectancy, do we need to do any other strategies as well. Sound good? Alrighty. Now I have gone through quite a few different things with you tonight between the insurances and the super. I just wanted to ask if you had any questions at this point. Okay. Estate planning looks good. You've got the nominations for the super for the beneficiary nominations in place. Did you guys end up getting a will in place? You can imagine it is my yearly conversation with everybody, and I think maybe two out of every 100 end up doing it. And, look, it's just that reminder. Hey. If you can sort out a will as ideal, possibly a power of attorney, which is like, you know, if you're unable to act on your own behalf, health discussions, access bank accounts, and so on. If you're that way inclined, there are government approved will kits at the post office for about $25, but they're very, very simple and basic. Probably not good if you've got four properties to to work on. Yeah. Absolutely. Now I don't have any dependents for you guys. So it's just yourself and and Anthony, I believe? Perfect. Alright. So property focus, bit of a tune up on the super. We'll have a look for the income protection. I will note down that you're probably canceling the NRMA, and I'll update the projections based off of the new strategies as well. Alrighty. The only other thing is the pack that I've sent you through. So have you ever used the the Odoo sign system before? It is our kind of new one that we moved to over Christmas time. That's all. Yeah. So it was it's very similar to DocuSign, but, basically, if you hit the the sign button, it'll bring up all of the documents. And, basically, what ends up happening is you can scroll through each document, but there is some buttons to kind of skip through next document, next document, next document. Essentially, for your records, there's a summary of your accounts. There is a performance report. In red, there's a lovely Vanguard chart about how the markets go up and down and average out long term. We've yeah. So at the back, there is a couple of documents for signing. So I wanna just quickly walk you through them. The service agree page seven. Okay. So that is the service agreement for us with Hub twenty four. Now yourself and Anthony are on the partner fee discount of 1.1%, so that hasn't changed. The document after that one is a tax file number opt in. Now just with the cybersecurity issues, we just wanna make sure that everyone's comfortable for us to hold that number because it is so important rather than sitting in all these digital systems for the hackers and everyone else to have. Have. Yeah. So there should be if you scroll down to the third page, it should have a signature and date box that you can kind of either the blue the purple buttons will bring you to there, or you can just tap on it with your finger. And if that doesn't work, usually the purple buttons off to the side kind of bring you to the spot. Okay. No. That's fine. Maybe easier on the computer there. No. That's okay. And the last one is just an authority form where we were going to just keep an eye on NRMA. If you're okay to sign that one, we might just give them a call in a month's time just to see if it was canceled just so we can update the records as completed as part of implementation. Otherwise, I wouldn't bother worrying about contacting them and getting authority to speak to them, but it's nice for us to just be able to close that out and confirm it. Fair enough. When we go through our next discussion anyway in a couple of weeks' time, I will go through what we're doing with the portfolio and the outcome of the insurance research, and I'll give you a reminder then too as well. Amazing. Well, thank you very much for your time this evening. Is there anything I can do for you between now and that next discussion? Cool. Always nice for the old health checkup, as they say. Would you like me to put in for any other kind of contact points? Normally, we do maybe quarterly, six monthly contact to see how everything's going, or would you prefer just to wait for the annual review? K. Easy done. I'll put in for the annual review. We'll go through the updated strategy in a couple of weeks' time. And if anything else pops up, you're just a phone call away. No. So the team will get in contact you once the research is complete, and then we'll kind of just book in a suitable time. Amazing. Well, thank you so much for your time. You too. Thank you so much, Lucia. 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evening, Lucy. It's Tommy here, senior adviser from Oakview. How are you doing today? I'm doing absolutely fantastic. It's a beautiful cool night.\n\nWhat about your end? Probably a bit cold in Queensland, I imagine, but we get by, hopefully, rugged up. Perfect. Now I'm just giving perfect. We've got the aircon going on heater at the moment, so nice and fun.\n\nI'm just going through your annual review today. Do you still have a bit of time for me? Amazing. So I've got a bit of an annual review pack that I will send through to you. Just while I'm sending that through, could I please confirm for security your date of birth and address?\n\nSensational. Thank you for that. And I'm registered with ASIC as Adviser 1273105. Now, Lucia, is there anything in particular that you had in mind to focus on for this annual review? Yep.\n\nJust a bit of a general update kind of thing. Yeah. Absolutely. Yes. Yeah.\n\nYep. Okay. I can definitely go through that with you today. I've got your certificate of currency up for the income protection. So oh, yes.\n\nYes. Yes. So the way the NRMA policies are a little bit different than a standard income protection policy. So sickness and injury, they're your two areas of claims. So illness and, like, you know, car accidents and injuries and things like that that prevents you from going to work.\n\nSo as a little bit of a quick overview, on your hub twenty four super, we have the insurances that we had transferred across into the account. That's your life insurance and total disability insurance through the super. So that's 340 just under 342,000 in the event of death or total disability. It's a lump sum. That one's nice and cheap.\n\nThat one's $431 per year. Now when it comes to the NRMA policy, what's left over here for the the income side of things, there's a waiting and a benefit period. Do you remember how those work? Yeah. Perfect.\n\nIt does. And the problem with stepped policies too, that used to be able to do level policies that didn't go up as much. But with step policies, it really does go up quite a bit each year, especially through the later years as well. So once you hit, like, 50 plus, it wouldn't surprise me if it was jumping up 20 to 40% per year. And before you know it, you're 58 years old and you're paying $7,500 for this policy.\n\nNow it's 4,000 a month worth of cover, and the way the the periods work is you have a waiting period. So if you're out of work for more than twenty eight days, which is pretty standard, thirty days is usually standard. It's a little bit shorter, which is good. They can pay you monthly for up to six months. Now that's not a, what I would call, a comprehensive policy because normally, the policies that we go through, whether it's personally or through super, the benefit period is more two years, five years, or up to the age of 65.\n\nSo you have a very short benefit period. It's very, very short term illnesses and injuries, if that makes sense. Now what I can kind of see for the sense. Now what I can kind of see for the premiums on that one is that it is about 1,200 a year out of pocket. And, yes, you can claim that as a tax deduction as well, which is nice.\n\nGet a chunk out of that to drop it below a thousand dollars. But affordability really is a question of cash flow and priorities for what you wanna use that cash flow for. Now one consideration that you could have, it may not be possible right now, but if, for example, we could get an income protection policy paid through your superannuation, That would obviously save you the premiums coming out of pocket as long as the contributions and growth could kind of handle the cost similar to how it handles your life insurance cost. K? Now with that income protection through NRMA, I know that it's just been end of financial year and tax returns and everything.\n\nAre you considering canceling it? Are you thinking of alternatives? Are you wanting to see if it is a good value policy? Yep. And it's a thousand dollars a week before tax.\n\nSo if you're off work for six months, you'd be getting, what, $75,800 a week. Yeah. Yeah. Absolutely. And, look, essentially, we're all doing it tough at the moment, and and the risk trade off is essentially if you don't value the policy, obviously, you understand that there's a risk of not having that cover there.\n\nBut, you know, I can't put words in your mouth and say this is what you should have. Everyone's different when it comes to insurance. And if you're happy to self insure and maybe build up your savings instead for a similar situation, where if you're off work for a couple of months, you've got the savings to back you, that is a form of self insurance. Yep. Yeah.\n\nYeah. Look. I have some clients who are, you know, early thirties, and they've got the really big mortgage, and they really need it to kind of cover them for that ten to twenty years until they've got their assets built up. But at the same time, like like you said, you've got the savings. You've got the superannuation building up as well.\n\nSo when it comes to NRMA look. I'll I'll go through the questions when it comes to trying to obtain an alternative policy, but I do know that there I believe there may have been some trouble initially trying to get a policy in place. And was that mainly down to was it, I'm assuming, health concerns more so than occupation? Yeah. K.\n\nHas there been any improvements in the health department that I can kind of go back to some insurers and maybe hunt around a little bit, or do you think it'd be the similar outcome? Yep. Nothing for four or five years. Now when it Yes. No cholesterol.\n\nNothing like that. So blood clot and endometriosis is the only concerns. I will ask is perfect. And I do have to ask because this is kind of my job to hunt around for people and try and find the best deal is just any current medications that you you currently own, or you offer medications altogether? Ozempic.\n\nNow if you're on Ozempic for weight loss, they do obviously check BMI is pretty big for when it comes to pricing. And then also, if there's any I I've got a few friends that have done, like, the lap band surgery and had a significant weight loss. And then if they've had a significant weight loss, you have to kind of keep it off for a period of time. Otherwise, they kind of add half of it back on, if that makes sense. Yep.\n\nSo no surgery. Well, if you have, I can actually just do that quickly with you now. So what I need to do so we've got a 160 centimeters on file for height. Perfect. Look, I've actually seen somewhere five years later.\n\nI'm like, why are you five centimeters tall or shorter than what you first said? But anyway, that's cool. Yes. This is true. This is true.\n\nI think some guys, though, told me some tattletales early on. That's all. Okay. So I will get from you either current kilos or pounds for weight, and I'll plug that in. Ninety one.\n\nAlright. Thirty five point five. And in terms of weight loss, do you have a bit of an idea of, like, the last twelve months, last six months, kind of what the weight loss journey has been like for you? That would be very helpful, yeah, if we just kind of give them an idea anonymously. Okay.\n\nSeptember 2025. And if you have that peak there, I'll just note that down. 101. Okay. So from so essentially 10 kilos.\n\nK. So what I would do 400 I mean, that sounds pretty sort of sustainable because it's not like a 40 kilos in three months type thing. It seems like a gradual yep. Perfect. So the way that usually works is from September till now, they'll probably add half of it back on for a period of time until it's twelve months off.\n\nIf that bumps you up to 37.5 on the BMI, they may add some loadings on where they say, oh, we're gonna up the price by 50% until that twelve month BMI goes below I think it's 35 or 36 at the moment is usually the cutoff. They've actually increased it recently. So I will call around and double check. But if they are gonna add a loading on and the price jumps up to $23,000, do you want me to kind of bother with the quotes, or what would be your preference? Yeah.\n\nAnd that's the thing is, yep, yearly basis can check on these things, and I will basically call around and check. And if it's not really gonna be affordable, I'll put a flag on there for the next review. And then what we could potentially do is at the next review, do a bit of a pre assessment where they ask a little bit more in-depth questions again, and then we can kind of shoot that off anonymously to the insurance and see if anyone's gonna come back with a with a good deal for you. Cool. I will put in a flag that you're looking to cancel the insurance, and I'm assuming for NRMA, you would probably just call up and they would do it straight away and okay.\n\nCool. So I'll note that down. Yeah. That's right. So no large refunds there.\n\nPerfect. Now if I do get a good outcome from calling the insurers, what I'll basically do is do some quotes for 70% of your income, which is kind of like that maximum that you can do these days. I did have you on a higher duties last year where you had gone from about a 125,000 up to a 188. Do you know what you've kind of ended the financial year on? Yep.\n\nOkay. Perfect. Oh, great. And how's that going for the stress levels? Yep.\n\nYeah. That's what we do. We take them from there. Now similar occupation title, I'm assuming, project coordination business management. Yep.\n\nPerfect. Okay. So I might base it off the $1.50 for now because if I start trying to push up to that two $100,000 mark, you you're probably gonna get into the extra blood checks and high premiums and all that kind of thing if you're okay with that. Perfect. And when it comes to the benefit and waiting period, I said before that that thirty days is pretty standard.\n\nYou can go cover all the way up to the age of 65, five years, or two years, so you kind of go short, medium, or long term with it. But the main question first is waiting period. Do you want me to do, like, a thirty day standard, push it out to sixty or ninety days because you've got the savings behind you and make it a bit more affordable? What would be your preference there? Sixty.\n\nPerfect. That kind of narrows it down a little bit because only a handful of insurers do the in between, which is good. So we'll go sixty days. And if nothing comes of it, I'll still keep this on file so that when we go for it again, we can at least go through those preferences. And so what I normally do in terms of affordability is we usually flag premiums once they are, you know, chewing into about 30% of your contributions as a rate as a bit of a red flag for affordability to make sure it's still growing.\n\nSo if you're okay with that, I can base the benefit period on the best we can get within that affordability metric. Perfect. Alright. Age 65. Five year, two year.\n\nA little bit of quotes and calls for that one. If the team have any other questions health related, I will get them to give you a call when you are free just to go through and see if there's anything else we can do because part of underwriting, it's a bit of a negotiation. When it comes to your occupation, that's gonna be really good for pricing. So you are quite high up in income. You do have it does note that you have some tertiary qualifications.\n\nIs it is it kind of like a degree in your field, anything like that, Diplomas, degrees, anything that I can note down? K. And master's in primary education. Fantastic. And do you look after a lot of staff underneath you in terms of managerial duties?\n\nThree direct reports. Perfect. So I think based on that, you would probably be looking at a double a rating, which is the the second best. The only one that's above that is kind of like, you know, a lawyer who looks after 50 staff and a big successful business type type thing. Alright.\n\nThat's perfect. Any questions on that so far? K. When it comes to your life and TPD insurance, that 300 that we've got inside the super, do you want me to just kind of leave that alone? Do you want me to look at increasing, decreasing, or just kind of focus on the income side?\n\nK. And I do have to ask for the fourth one because there are four insurances. And the other one is trauma insurance, which has to be paid out of pocket, and it's for heart attack, stroke, and cancer. So it's essentially like a a $100,000 lump sum if you have one of those major conditions, whereas it's not passing away or being off work or total disability. It's just the diagnosis itself.\n\nIt can definitely range up to 100 a month or above. So I just wanted to sort of gauge with you if that's worth quoting for or just focus on the income side. Yeah. I mean, the life insurance and the disability insurance will still be there in those circumstances if it gets bad enough and the income protection possibly as well. But this is more like going to a private practice for extra treatment, partner taking a bit of time off work to look after you after a heart attack.\n\nIt's a bit of a nice to have. K. Now I think I have everything I need to to do that initial research. And like I said, if it is a good outcome, I'll run it by you. If not, I'll keep it on file for the next review.\n\nSo that's pretty much it for the insurance side. Just wanted to quickly check with you as well. We have the new system, and I've just been updating everybody's details. Assets and liabilities, we did have three properties noted down as well as quite a bit in savings and some investments in some ETFs. So I'm just wondering if you still have the three properties.\n\nYep. With the offset account, we had a 120,000 in there previously. Have you managed to increase, decrease? Yep. That that's fair enough.\n\nYeah. Investments in the ETFs, we had about 6,000 there. I don't know if you've been continuing to invest alongside. Yep. And any interest in further investments there, or was that just kind of growing in the background?\n\nPerfect. I was gonna do just some update evaluations. Just wanted to check-in terms of the mortgage on your main residence. 230,000 we have. That's alright.\n\nAnd while you're doing that, I'm just gonna see if I can get a quick valuation update on 218. Thank you very much. 218000. Have there been any major changes to Wheeler Street or Sunset Drive in terms of value or loan structures and amounts? K.\n\nI still have the the main residence valued at about 1,700,000. That's what I'm seeing online as well. So would it be safe to kind of leave those three as they are? Or Perfect. We got the Kia Sportage, the Mazda CX three, and that should be I'm assuming no other assets or loans floating around.\n\nOh, there you go. Congratulations. Got in before the legislation. Well done. So I'll just do some quick round figures for that one.\n\nOh, in Australia, I think anything can change at any point now, can't it? So we'll put investment property number three there. Just a quick round figure on value and and loan on that one. Yep. Thank you.\n\nAnd I do appreciate you oh, that's gonna be a fun one, but I do appreciate you updating these details with me. And what would you like me to call this one? Should I put a a straight down for that one as well? Yeah. Parkridge, Thornton.\n\nKilmore. Perfect. Victoria. I managed to spread around one in each state. That's amazing.\n\nBranching out a little bit is nice. Okay. So it's owing a bit more than the value. Yep. Yeah.\n\nNo. That's fair enough. Alrighty. $6.80 on that one. 600 value.\n\nAmazing. Thank you very much for that. Yep. No. That's totally fine.\n\nIf it becomes necessary for the advice that we need to factor in a more accurate value, we can kind of go through some online estimates as well, but not necessary at this point. Cool. Lucille, before I jump into the portfolio side of things for the super, I just wanted to double check in terms of cash flow priorities and belts. We do have a bit of an earlier retirement flag for you guys aiming for that age 60 where you can access your super. I'm just wondering if there's anything else that you guys are now focusing on for the next few years now that you've got that third investment property.\n\nYep. Absolutely. Now when it comes to contributions into super, I did notice a decent amount going in there because they've they've obviously had that bump up in the duties. Are you looking at doing any salary sacrifice this financial year, or is it mainly just focused on that mortgage and the offset for the next twelve months? Yeah.\n\nAnd that's what I was kind of seeing where there's a lot of contributions going in, and I see it increasing quite quickly. Yeah. That'd be the safest way because there was already 20,000 in the last twelve months even with that holiday and everything. So if we get to end of financial year next year, if there is anything left over, you know, one of the strategies that I I recommend a lot is just pulling everything into that offset account. And then when end of financial year comes, if you wanna do a little top up contribution then, you can kind of get the best of both worlds.\n\nBut I don't see any reason of doing any salary sacrifice at this point. Perfect. Now when it comes to the portfolio itself, so I'm just having a look at both accounts. So you guys are all linked up. Hub twenty four is doing its family fee linking, which is great.\n\nThat brings you down in the admin fee categories quite quickly, especially because combined, you're sitting at that kind of 700,000 mark now. So the next tier for you guys in admin fee reductions is a million, and then it goes down to very, very low percentages. With Hub, they tend to go from, like, 0.36% straight down to 0.1 and then 0.04. It pretty much becomes nothing when you have over a million to $2,000,000. So that's really helpful.\n\nBalance wise, so you've had a pretty, pretty strong journey of contributions and growth since you started. A hundred and twenty eight thousand at the start. You're sitting at $2.77 $5.06 4 today. It slowed down a little bit the last twelve months. So I think you've gone from $2.46 to $2.77.\n\nHalf of that is your contributions, and half of that is the investment growth. Now we had a bit of a drop in the markets in March where the balance had kind of fallen from $2.70 to $2.50 and then bounced back up to $2.77. So about $20 drop for a month's period. You mentioned at the start of the call being quite risk averse. So I wanted to just quickly ask you because you're in that growth profile, you're kind of at, like, a a four out of five on the risk profile.\n\nYou're not high risk, but you're still primarily focusing on growth. And what that means is you've got 80% in, like, shares and property rather than 90 or a 100%. Now because the returns are all percentage based in super, what tends to happen is as you build up your bigger balance, that 10% return up and down, that's gonna be a bigger portion of your balance. So what you're gonna start noticing now is that your super from 277,000, it could go back down to $2.50, and then it could be at 300,000 this time next year. So what I kind of mean by that is if you get a 10% return of of $500,000, there's $50.\n\nBut if you only had 30,000 in super, it's $3,000. So what tends to happen now is that the growth of your super is a lot bigger than the contributions that you're gonna be putting in. It's kind of gonna take you off and get you to those higher amounts more so than what you're putting in. Now just based off that, Lucia, any concerns on your end when it comes to what I said in terms of the volatility that you've experienced? K.\n\nI'm assuming you're not considering trying to increase risk at this time to try and get a higher return. K. Perfect. I think growth is pretty reasonable. You've got a good 6 figure income.\n\nYou've got a pretty decent balance for your age, and it's catching up pretty quickly as well. The returns, like I I mentioned before, a little bit slower this year. So normally, when you're in a growth profile, we wanna be aiming for around about nine to 10% average. Whereas in a single year, it could go up 20%, and it may drop in those, you know, one off bad years where there's a GFC, a COVID, a war breaking out, or something like that, and just get that average over the ten year period over that market cycle of the nine to 10%. Does that make sense to start with?\n\nCool. So it's only grown by about five or 6% the last twelve months because it kind of went up, went back down, then went back up again. So it kind of had that blip in the middle. So it hasn't gone negative, which is good, but I do wanna warn you that there will be a negative year coming up sometime in the next few years. K?\n\nSo what I need to do when I'm looking at your investments, because you've got eight different options that we've kind of put together to build a portfolio. So one of them is like your gold option. One's your shares in America, some cybersecurity, all these different areas. We put them all together, and that makes your nice pie chart. That's your portfolio with all the different assets.\n\nWhen I look at these options here, I'm sent you through a bit of a report just so you can see them as well. Pretty much everybody has had some really strong returns. Everything is double digits that I can see. Gold's up fantastically 12%. You've got agriculture shares that are up 19%.\n\nSo everything's looking really good. You've got a safe portion, that 20% that's not invested in the stock market. That's up its usual four to 5%, which is pretty standard. And you've even got some infrastructure that's going up really well, 18% there as well. The only one that's a bit of a concern for me is a Benelong Australian shares option.\n\nSo that one's actually dropped quite significantly compared to the other options. It's a portion of your balance, but I would say it has underperformed the other Australian options that are out there. So what I'm thinking is that overall, the super is not doing too bad, good long term growth, but I think a bit of an engine tune up is kind of warranted where you've been in this for a few years now. I think I wanna kind of maybe switch out this option at least. The other ones are looking really good, but I just wanna kind of knock out the bad apple and put in a good red apple, if that sense.\n\nSo while I'm doing the calls and research regarding the income protection, I'm just gonna look for a bit of an update. I do have one question for you, though. In terms of the style of the investment, because Hub twenty four has the most investment options in the country, we're talking about 1,300, I need to whittle it down just a little bit. Now we've got a choice between low fee options, passive, or a bit more higher fee to try and get a higher return. And I just wanna know where you kind of lean between the two.\n\nAnd there's no wrong answers cause I can pick a a really good one in either one, but it's really just about that gut feeling of where do you lean between higher returns or lower cost? Yeah. That's right. So the risk profile stays the same. I'm just gonna change the style of the manager.\n\nOkay. So that's similar style to what it's currently in. So what I'll basically do is I'm just gonna I've got a few people that we've shortlisted. We've been researching recently, and I've got a couple there that I'm gonna compare and do a bit of a switch out like for like for you. Perfect.\n\nAlrighty. Any questions on that so far? Amazing. Now what we can do later on is when you get a bit closer to retirement, I think it would be a good idea to get both of you guys together and just have that sit down of a bit of a joint retirement discussion when it becomes a bit more practical. So what I'm sort of thinking is we're focusing on just getting that good growth out of it now, aiming for the age 60 retirement.\n\nBut once you're getting close to that last sort of ten to fifteen years, we might tie both of you guys in together for a joint analysis just to see how you're tracking for retirement, how long the funds will last, will it go past life expectancy, do we need to do any other strategies as well. Sound good? Alrighty. Now I have gone through quite a few different things with you tonight between the insurances and the super. I just wanted to ask if you had any questions at this point.\n\nOkay. Estate planning looks good. You've got the nominations for the super for the beneficiary nominations in place. Did you guys end up getting a will in place? You can imagine it is my yearly conversation with everybody, and I think maybe two out of every 100 end up doing it.\n\nAnd, look, it's just that reminder. Hey. If you can sort out a will as ideal, possibly a power of attorney, which is like, you know, if you're unable to act on your own behalf, health discussions, access bank accounts, and so on. If you're that way inclined, there are government approved will kits at the post office for about $25, but they're very, very simple and basic. Probably not good if you've got four properties to to work on.\n\nYeah. Absolutely. Now I don't have any dependents for you guys. So it's just yourself and and Anthony, I believe? Perfect.\n\nAlright. So property focus, bit of a tune up on the super. We'll have a look for the income protection. I will note down that you're probably canceling the NRMA, and I'll update the projections based off of the new strategies as well. Alrighty.\n\nThe only other thing is the pack that I've sent you through. So have you ever used the the Odoo sign system before? It is our kind of new one that we moved to over Christmas time. That's all. Yeah.\n\nSo it was it's very similar to DocuSign, but, basically, if you hit the the sign button, it'll bring up all of the documents. And, basically, what ends up happening is you can scroll through each document, but there is some buttons to kind of skip through next document, next document, next document. Essentially, for your records, there's a summary of your accounts. There is a performance report. In red, there's a lovely Vanguard chart about how the markets go up and down and average out long term.\n\nWe've yeah. So at the back, there is a couple of documents for signing. So I wanna just quickly walk you through them. The service agree page seven. Okay.\n\nSo that is the service agreement for us with Hub twenty four. Now yourself and Anthony are on the partner fee discount of 1.1%, so that hasn't changed. The document after that one is a tax file number opt in. Now just with the cybersecurity issues, we just wanna make sure that everyone's comfortable for us to hold that number because it is so important rather than sitting in all these digital systems for the hackers and everyone else to have. Have.\n\nYeah. So there should be if you scroll down to the third page, it should have a signature and date box that you can kind of either the blue the purple buttons will bring you to there, or you can just tap on it with your finger. And if that doesn't work, usually the purple buttons off to the side kind of bring you to the spot. Okay. No.\n\nThat's fine. Maybe easier on the computer there. No. That's okay. And the last one is just an authority form where we were going to just keep an eye on NRMA.\n\nIf you're okay to sign that one, we might just give them a call in a month's time just to see if it was canceled just so we can update the records as completed as part of implementation. Otherwise, I wouldn't bother worrying about contacting them and getting authority to speak to them, but it's nice for us to just be able to close that out and confirm it. Fair enough. When we go through our next discussion anyway in a couple of weeks' time, I will go through what we're doing with the portfolio and the outcome of the insurance research, and I'll give you a reminder then too as well. Amazing.\n\nWell, thank you very much for your time this evening. Is there anything I can do for you between now and that next discussion? Cool. Always nice for the old health checkup, as they say. Would you like me to put in for any other kind of contact points?\n\nNormally, we do maybe quarterly, six monthly contact to see how everything's going, or would you prefer just to wait for the annual review? K. Easy done. I'll put in for the annual review. We'll go through the updated strategy in a couple of weeks' time.\n\nAnd if anything else pops up, you're just a phone call away. No. So the team will get in contact you once the research is complete, and then we'll kind of just book in a suitable time. Amazing. Well, thank you so much for your time.\n\nYou too. Thank you so much, Lucia. Bye.","paragraphs":[{"sentences":[{"text":"Good evening, Lucy.","start":2.56,"end":3.52,"sentiment":"neutral","sentiment_score":0.2553573300441106},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.19465329391615732},{"text":"How are you doing today?","start":5.68,"end":6.74,"sentiment":"neutral","sentiment_score":0.19474718272686004},{"text":"I'm doing absolutely fantastic.","start":8.16,"end":9.94,"sentiment":"positive","sentiment_score":0.7635904103517532},{"text":"It's a beautiful cool night.","start":10.0,"end":11.28,"sentiment":"positive","sentiment_score":0.7104336738586425}],"sentiment":"positive","sentiment_score":0.40453795716166496,"num_words":24,"start":2.56,"end":11.28},{"sentences":[{"text":"What about your end?","start":11.28,"end":12.42,"sentiment":"neutral","sentiment_score":0.18731262907385826},{"text":"Probably a bit cold in Queensland, I imagine, but we get by, hopefully, rugged up.","start":16.455,"end":21.595001,"sentiment":"neutral","sentiment_score":0.03276995445291201},{"text":"Perfect.","start":23.415,"end":23.895,"sentiment":"neutral","sentiment_score":0.32641729712486267},{"text":"Now I'm just giving perfect.","start":23.895,"end":26.635,"sentiment":"neutral","sentiment_score":0.1466040827333927},{"text":"We've got the aircon going on heater at the moment, so nice and fun.","start":27.015,"end":30.72,"sentiment":"positive","sentiment_score":0.3610790435756956}],"sentiment":"neutral","sentiment_score":0.18859856804976097,"num_words":39,"start":11.28,"end":30.72},{"sentences":[{"text":"I'm just going through your annual review today.","start":32.059998,"end":34.62,"sentiment":"neutral","sentiment_score":0.06945492140948772},{"text":"Do you still have a bit of time for me?","start":34.62,"end":36.48,"sentiment":"neutral","sentiment_score":0.016331350430846214},{"text":"Amazing.","start":37.82,"end":38.3,"sentiment":"positive","sentiment_score":0.3489477038383484},{"text":"So I've got a bit of an annual review pack that I will send through to you.","start":38.3,"end":42.079998,"sentiment":"neutral","sentiment_score":0.18016411364078522},{"text":"Just while I'm sending that through, could I please confirm for security your date of birth and address?","start":42.14,"end":47.745003,"sentiment":"neutral","sentiment_score":0.04656246801217397}],"sentiment":"neutral","sentiment_score":0.09201509139879986,"num_words":54,"start":32.059998,"end":47.745003},{"sentences":[{"text":"Sensational.","start":55.965,"end":56.465,"sentiment":"neutral","sentiment_score":0.14683204889297485},{"text":"Thank you for that.","start":56.685,"end":57.57,"sentiment":"positive","sentiment_score":0.41706135123968124},{"text":"And I'm registered with ASIC as Adviser 1273105.","start":57.57,"end":61.51,"sentiment":"neutral","sentiment_score":0.13176155276596546},{"text":"Now, Lucia, is there anything in particular that you had in mind to focus on for this annual review?","start":63.17,"end":69.11,"sentiment":"neutral","sentiment_score":0.04615764221862743},{"text":"Yep.","start":74.445,"end":74.605,"sentiment":"neutral","sentiment_score":0.008150685578584671}],"sentiment":"neutral","sentiment_score":0.11376714435490695,"num_words":33,"start":55.965,"end":74.605},{"sentences":[{"text":"Just a bit of a general update kind of thing.","start":74.605,"end":77.025,"sentiment":"neutral","sentiment_score":0.0006069320254027844},{"text":"Yeah.","start":84.125,"end":84.445,"sentiment":"neutral","sentiment_score":-0.008636959828436375},{"text":"Absolutely.","start":84.445,"end":84.945,"sentiment":"neutral","sentiment_score":-0.012416618876159193},{"text":"Yes.","start":98.94,"end":99.315,"sentiment":"neutral","sentiment_score":-0.006404181011021137},{"text":"Yeah.","start":107.155,"end":107.655,"sentiment":"neutral","sentiment_score":-0.060492560267448425}],"sentiment":"neutral","sentiment_score":-0.005848642837788377,"num_words":14,"start":74.605,"end":107.655},{"sentences":[{"text":"Yep.","start":111.795,"end":112.195,"sentiment":"neutral","sentiment_score":-0.010569046251475813},{"text":"Okay.","start":112.195,"end":112.435005,"sentiment":"neutral","sentiment_score":-0.031031964346766472},{"text":"I can definitely go through that with you today.","start":112.435005,"end":114.275,"sentiment":"positive","sentiment_score":0.7150070601039462},{"text":"I've got your certificate of currency up for the income protection.","start":114.275,"end":118.48,"sentiment":"neutral","sentiment_score":0.2037654478441585},{"text":"So oh, yes.","start":119.82,"end":127.98,"sentiment":"neutral","sentiment_score":0.048394537841280304}],"sentiment":"positive","sentiment_score":0.3512026428058743,"num_words":25,"start":111.795,"end":127.98},{"sentences":[{"text":"Yes.","start":127.98,"end":128.22,"sentiment":"neutral","sentiment_score":0.04878421127796173},{"text":"Yes.","start":128.22,"end":128.54001,"sentiment":"neutral","sentiment_score":0.04929232969880104},{"text":"So the way the NRMA policies are a little bit different than a standard income protection policy.","start":128.54001,"end":138.075,"sentiment":"neutral","sentiment_score":-0.051523101789986384},{"text":"So sickness and injury, they're your two areas of claims.","start":139.015,"end":143.57,"sentiment":"neutral","sentiment_score":-0.05099561475217342},{"text":"So illness and, like, you know, car accidents and injuries and things like that that prevents you from going to work.","start":143.79001,"end":150.13,"sentiment":"neutral","sentiment_score":-0.07867971772239321}],"sentiment":"neutral","sentiment_score":-0.058800928182899954,"num_words":50,"start":127.98,"end":150.13},{"sentences":[{"text":"So as a little bit of a quick overview, on your hub twenty four super, we have the insurances that we had transferred across into the account.","start":150.75,"end":162.14499,"sentiment":"neutral","sentiment_score":0.07685722272705149},{"text":"That's your life insurance and total disability insurance through the super.","start":162.685,"end":167.50499,"sentiment":"neutral","sentiment_score":0.10456075857986104},{"text":"So that's 340 just under 342,000 in the event of death or total disability.","start":167.885,"end":175.82,"sentiment":"neutral","sentiment_score":0.08308166877499648},{"text":"It's a lump sum.","start":176.20001,"end":177.26001,"sentiment":"neutral","sentiment_score":0.19453123211860657},{"text":"That one's nice and cheap.","start":178.04001,"end":179.16,"sentiment":"positive","sentiment_score":0.5370815753936767}],"sentiment":"neutral","sentiment_score":0.12872113977543642,"num_words":61,"start":150.75,"end":179.16},{"sentences":[{"text":"That one's $431 per year.","start":179.16,"end":181.82,"sentiment":"neutral","sentiment_score":0.2378381758928299},{"text":"Now when it comes to the NRMA policy, what's left over here for the the income side of things, there's a waiting and a benefit period.","start":183.16,"end":191.705,"sentiment":"neutral","sentiment_score":0.05959990463004662},{"text":"Do you remember how those work?","start":191.705,"end":193.485,"sentiment":"neutral","sentiment_score":0.048147378489375114},{"text":"Yeah.","start":200.185,"end":200.685,"sentiment":"neutral","sentiment_score":0.1633525192737579},{"text":"Perfect.","start":200.74501,"end":201.24501,"sentiment":"positive","sentiment_score":0.5089600682258606}],"sentiment":"neutral","sentiment_score":0.09487141687900592,"num_words":39,"start":179.16,"end":201.24501},{"sentences":[{"text":"It does.","start":203.02,"end":203.66,"sentiment":"neutral","sentiment_score":0.17552420124411583},{"text":"And the problem with stepped policies too, that used to be able to do level policies that didn't go up as much.","start":203.66,"end":210.0,"sentiment":"neutral","sentiment_score":-0.09713524055074561},{"text":"But with step policies, it really does go up quite a bit each year, especially through the later years as well.","start":210.06,"end":217.345,"sentiment":"neutral","sentiment_score":0.08869956894999459},{"text":"So once you hit, like, 50 plus, it wouldn't surprise me if it was jumping up 20 to 40% per year.","start":217.725,"end":224.765,"sentiment":"neutral","sentiment_score":0.009785565813737256},{"text":"And before you know it, you're 58 years old and you're paying $7,500 for this policy.","start":224.765,"end":231.02,"sentiment":"neutral","sentiment_score":-0.030888868612237275}],"sentiment":"neutral","sentiment_score":-0.0025848897242146296,"num_words":82,"start":203.02,"end":231.02},{"sentences":[{"text":"Now it's 4,000 a month worth of cover, and the way the the periods work is you have a waiting period.","start":232.44,"end":239.26,"sentiment":"neutral","sentiment_score":0.022248328973849613},{"text":"So if you're out of work for more than twenty eight days, which is pretty standard, thirty days is usually standard.","start":239.4,"end":245.34,"sentiment":"neutral","sentiment_score":-0.05703146560561089},{"text":"It's a little bit shorter, which is good.","start":245.545,"end":247.405,"sentiment":"neutral","sentiment_score":0.2560340872441884},{"text":"They can pay you monthly for up to six months.","start":247.94499,"end":250.36499,"sentiment":"positive","sentiment_score":0.4742166310548782},{"text":"Now that's not a, what I would call, a comprehensive policy because normally, the policies that we go through, whether it's personally or through super, the benefit period is more two years, five years, or up to the age of 65.","start":252.185,"end":267.01,"sentiment":"neutral","sentiment_score":-0.034846333968566685}],"sentiment":"neutral","sentiment_score":0.04585439055964424,"num_words":101,"start":232.44,"end":267.01},{"sentences":[{"text":"So you have a very short benefit period.","start":267.01,"end":269.43,"sentiment":"neutral","sentiment_score":-0.10108653269708157},{"text":"It's very, very short term illnesses and injuries, if that makes sense.","start":269.73,"end":272.314,"sentiment":"neutral","sentiment_score":-0.07310235438247521},{"text":"Now what I can kind of see for the sense.","start":272.314,"end":274.82498,"sentiment":"neutral","sentiment_score":0.15703682973980904},{"text":"Now what I can kind of see for the premiums on that one is that it is about 1,200 a year out of pocket.","start":274.82498,"end":281.465,"sentiment":"neutral","sentiment_score":0.29414945654571056},{"text":"And, yes, you can claim that as a tax deduction as well, which is nice.","start":281.465,"end":285.42,"sentiment":"positive","sentiment_score":0.4790510952472687}],"sentiment":"neutral","sentiment_score":0.2047797270875046,"num_words":69,"start":267.01,"end":285.42},{"sentences":[{"text":"Get a chunk out of that to drop it below a thousand dollars.","start":286.7,"end":289.6,"sentiment":"neutral","sentiment_score":0.225781414944392},{"text":"But affordability really is a question of cash flow and priorities for what you wanna use that cash flow for.","start":289.98,"end":297.435,"sentiment":"neutral","sentiment_score":0.1241719949990511},{"text":"Now one consideration that you could have, it may not be possible right now, but if, for example, we could get an income protection policy paid through your superannuation, That would obviously save you the premiums coming out of pocket as long as the contributions and growth could kind of handle the cost similar to how it handles your life insurance cost.","start":300.635,"end":323.72,"sentiment":"neutral","sentiment_score":0.08793548458526211},{"text":"K?","start":325.22,"end":325.72,"sentiment":"neutral","sentiment_score":-0.002227167598903179},{"text":"Now with that income protection through NRMA, I know that it's just been end of financial year and tax returns and everything.","start":325.995,"end":333.135,"sentiment":"neutral","sentiment_score":-0.017748873342167248}],"sentiment":"neutral","sentiment_score":0.08879572845269311,"num_words":118,"start":286.7,"end":333.135},{"sentences":[{"text":"Are you considering canceling it?","start":333.435,"end":335.195,"sentiment":"neutral","sentiment_score":-0.0920293390750885},{"text":"Are you thinking of alternatives?","start":335.195,"end":336.575,"sentiment":"neutral","sentiment_score":-0.10941091030836106},{"text":"Are you wanting to see if it is a good value policy?","start":336.95502,"end":339.3,"sentiment":"neutral","sentiment_score":-0.02334913518279791},{"text":"Yep.","start":347.94,"end":348.44,"sentiment":"neutral","sentiment_score":-0.10291820764541626},{"text":"And it's a thousand dollars a week before tax.","start":371.94,"end":375.08,"sentiment":"neutral","sentiment_score":-0.11238984391093254}],"sentiment":"neutral","sentiment_score":-0.07505680224858224,"num_words":32,"start":333.435,"end":375.08},{"sentences":[{"text":"So if you're off work for six months, you'd be getting, what, $75,800 a week.","start":375.22,"end":380.895,"sentiment":"neutral","sentiment_score":-0.13830617914597193},{"text":"Yeah.","start":386.955,"end":387.455,"sentiment":"neutral","sentiment_score":-0.28046083450317383},{"text":"Yeah.","start":398.42,"end":398.82,"sentiment":"neutral","sentiment_score":-0.023156607523560524},{"text":"Absolutely.","start":398.82,"end":399.32,"sentiment":"neutral","sentiment_score":0.022244228050112724},{"text":"And, look, essentially, we're all doing it tough at the moment, and and the risk trade off is essentially if you don't value the policy, obviously, you understand that there's a risk of not having that cover there.","start":399.38,"end":411.92502,"sentiment":"neutral","sentiment_score":-0.20747807857237363}],"sentiment":"neutral","sentiment_score":-0.18285951583779284,"num_words":56,"start":375.22,"end":411.92502},{"sentences":[{"text":"But, you know, I can't put words in your mouth and say this is what you should have.","start":413.02502,"end":416.885,"sentiment":"neutral","sentiment_score":-0.14659126516845492},{"text":"Everyone's different when it comes to insurance.","start":417.42502,"end":419.505,"sentiment":"neutral","sentiment_score":-0.07843530923128128},{"text":"And if you're happy to self insure and maybe build up your savings instead for a similar situation, where if you're off work for a couple of months, you've got the savings to back you, that is a form of self insurance.","start":419.505,"end":430.2,"sentiment":"neutral","sentiment_score":0.007772359969316139},{"text":"Yep.","start":438.055,"end":438.555,"sentiment":"neutral","sentiment_score":-0.09560176730155943},{"text":"Yeah.","start":448.69498,"end":449.04,"sentiment":"neutral","sentiment_score":-0.20035141706466675}],"sentiment":"neutral","sentiment_score":-0.0457565797580595,"num_words":69,"start":413.02502,"end":449.04},{"sentences":[{"text":"Yeah.","start":456.24002,"end":456.64,"sentiment":"neutral","sentiment_score":-0.09847873449325562},{"text":"Look.","start":456.64,"end":456.96002,"sentiment":"neutral","sentiment_score":0.01657688245177269},{"text":"I have some clients who are, you know, early thirties, and they've got the really big mortgage, and they really need it to kind of cover them for that ten to twenty years until they've got their assets built up.","start":456.96002,"end":467.585,"sentiment":"neutral","sentiment_score":0.032347017293795945},{"text":"But at the same time, like like you said, you've got the savings.","start":467.585,"end":470.805,"sentiment":"neutral","sentiment_score":0.09526713106494683},{"text":"You've got the superannuation building up as well.","start":471.025,"end":473.345,"sentiment":"neutral","sentiment_score":0.14135351218283176}],"sentiment":"neutral","sentiment_score":0.056845708587576475,"num_words":63,"start":456.24002,"end":473.345},{"sentences":[{"text":"So when it comes to NRMA look.","start":473.345,"end":477.0,"sentiment":"neutral","sentiment_score":0.03429082754467215},{"text":"I'll I'll go through the questions when it comes to trying to obtain an alternative policy, but I do know that there I believe there may have been some trouble initially trying to get a policy in place.","start":477.08,"end":488.38,"sentiment":"neutral","sentiment_score":-0.04447768800156681},{"text":"And was that mainly down to was it, I'm assuming, health concerns more so than occupation?","start":490.575,"end":495.635,"sentiment":"neutral","sentiment_score":-0.05777771235443652},{"text":"Yeah.","start":496.255,"end":496.755,"sentiment":"neutral","sentiment_score":0.009111122228205204},{"text":"K.","start":498.095,"end":498.595,"sentiment":"neutral","sentiment_score":0.003223961219191551}],"sentiment":"neutral","sentiment_score":-0.03749562961064161,"num_words":63,"start":473.345,"end":498.595},{"sentences":[{"text":"Has there been any improvements in the health department that I can kind of go back to some insurers and maybe hunt around a little bit, or do you think it'd be the similar outcome?","start":499.135,"end":508.21,"sentiment":"neutral","sentiment_score":0.04950792033757482},{"text":"Yep.","start":515.79,"end":516.135,"sentiment":"neutral","sentiment_score":0.02929563820362091},{"text":"Nothing for four or five years.","start":516.215,"end":517.835,"sentiment":"neutral","sentiment_score":-0.10667785381277402},{"text":"Now when it Yes.","start":518.935,"end":529.83,"sentiment":"neutral","sentiment_score":-0.02338371193036437},{"text":"No cholesterol.","start":542.295,"end":543.46246,"sentiment":"neutral","sentiment_score":-0.10680033266544342}],"sentiment":"neutral","sentiment_score":0.016976462793536484,"num_words":48,"start":499.135,"end":543.46246},{"sentences":[{"text":"Nothing like that.","start":543.63,"end":545.46497,"sentiment":"neutral","sentiment_score":-0.12377209464708964},{"text":"So blood clot and endometriosis is the only concerns.","start":545.6325,"end":551.4725,"sentiment":"neutral","sentiment_score":-0.05922048125002119},{"text":"I will ask is perfect.","start":551.64,"end":561.91,"sentiment":"neutral","sentiment_score":-0.08077160641551018},{"text":"And I do have to ask because this is kind of my job to hunt around for people and try and find the best deal is just any current medications that you you currently own, or you offer medications altogether?","start":561.91,"end":573.945,"sentiment":"neutral","sentiment_score":0.016105408780276775},{"text":"Ozempic.","start":576.005,"end":576.505,"sentiment":"neutral","sentiment_score":0.08347799628973007}],"sentiment":"neutral","sentiment_score":-0.010008005168417404,"num_words":58,"start":543.63,"end":576.505},{"sentences":[{"text":"Now if you're on Ozempic for weight loss, they do obviously check BMI is pretty big for when it comes to pricing.","start":581.045,"end":587.58997,"sentiment":"neutral","sentiment_score":0.04983148694207722},{"text":"And then also, if there's any I I've got a few friends that have done, like, the lap band surgery and had a significant weight loss.","start":588.76996,"end":595.815,"sentiment":"neutral","sentiment_score":0.00029862403439787717},{"text":"And then if they've had a significant weight loss, you have to kind of keep it off for a period of time.","start":596.055,"end":601.115,"sentiment":"neutral","sentiment_score":-0.09719353541731834},{"text":"Otherwise, they kind of add half of it back on, if that makes sense.","start":601.335,"end":604.635,"sentiment":"neutral","sentiment_score":-0.01887558520372425},{"text":"Yep.","start":608.615,"end":608.935,"sentiment":"neutral","sentiment_score":0.0474492609500885}],"sentiment":"neutral","sentiment_score":-0.014717762040741303,"num_words":85,"start":581.045,"end":608.935},{"sentences":[{"text":"So no surgery.","start":608.935,"end":609.915,"sentiment":"neutral","sentiment_score":-0.011145141596595446},{"text":"Well, if you have, I can actually just do that quickly with you now.","start":612.7,"end":617.42004,"sentiment":"neutral","sentiment_score":0.08536530951304096},{"text":"So what I need to do so we've got a 160 centimeters on file for height.","start":617.42004,"end":622.155,"sentiment":"neutral","sentiment_score":0.006336872203974053},{"text":"Perfect.","start":624.875,"end":625.195,"sentiment":"neutral","sentiment_score":0.2519824802875519},{"text":"Look, I've actually seen somewhere five years later.","start":625.195,"end":627.99506,"sentiment":"neutral","sentiment_score":-0.002922388957813383}],"sentiment":"neutral","sentiment_score":0.03551600553050992,"num_words":42,"start":608.935,"end":627.99506},{"sentences":[{"text":"I'm like, why are you five centimeters tall or shorter than what you first said?","start":627.99506,"end":631.195,"sentiment":"neutral","sentiment_score":-0.0884357380370299},{"text":"But anyway, that's cool.","start":631.195,"end":634.015,"sentiment":"neutral","sentiment_score":0.00812021316960454},{"text":"Yes.","start":635.99506,"end":636.23505,"sentiment":"neutral","sentiment_score":0.07094756513834},{"text":"This is true.","start":636.23505,"end":636.875,"sentiment":"neutral","sentiment_score":0.11570993562539418},{"text":"This is true.","start":636.875,"end":637.695,"sentiment":"neutral","sentiment_score":0.06702521940072377}],"sentiment":"neutral","sentiment_score":-0.02595777644847448,"num_words":26,"start":627.99506,"end":637.695},{"sentences":[{"text":"I think some guys, though, told me some tattletales early on.","start":638.97003,"end":642.49,"sentiment":"neutral","sentiment_score":-0.2040476440028711},{"text":"That's all.","start":642.49,"end":643.23004,"sentiment":"neutral","sentiment_score":-0.10919239372015},{"text":"Okay.","start":644.97003,"end":645.37,"sentiment":"neutral","sentiment_score":0.030596857890486717},{"text":"So I will get from you either current kilos or pounds for weight, and I'll plug that in.","start":645.37,"end":652.115,"sentiment":"neutral","sentiment_score":0.043544749832815595},{"text":"Ninety one.","start":655.215,"end":656.115,"sentiment":"neutral","sentiment_score":0.02653081063181162}],"sentiment":"neutral","sentiment_score":-0.046924849862561506,"num_words":34,"start":638.97003,"end":656.115},{"sentences":[{"text":"Alright.","start":657.295,"end":657.795,"sentiment":"neutral","sentiment_score":0.1107882410287857},{"text":"Thirty five point five.","start":657.855,"end":659.555,"sentiment":"neutral","sentiment_score":0.10111317597329617},{"text":"And in terms of weight loss, do you have a bit of an idea of, like, the last twelve months, last six months, kind of what the weight loss journey has been like for you?","start":660.095,"end":669.47,"sentiment":"neutral","sentiment_score":0.07248859976784193},{"text":"That would be very helpful, yeah, if we just kind of give them an idea anonymously.","start":687.065,"end":690.83997,"sentiment":"positive","sentiment_score":0.5198142733424902},{"text":"Okay.","start":707.715,"end":708.115,"sentiment":"neutral","sentiment_score":0.08315920829772949}],"sentiment":"neutral","sentiment_score":0.20092157050129844,"num_words":57,"start":657.295,"end":708.115},{"sentences":[{"text":"September 2025.","start":708.115,"end":709.895,"sentiment":"neutral","sentiment_score":0.08626873418688774},{"text":"And if you have that peak there, I'll just note that down.","start":710.195,"end":713.015,"sentiment":"neutral","sentiment_score":0.09842485561966896},{"text":"101.","start":723.81,"end":724.53,"sentiment":"neutral","sentiment_score":0.031011659651994705},{"text":"Okay.","start":724.53,"end":724.93,"sentiment":"neutral","sentiment_score":0.05274863541126251},{"text":"So from so essentially 10 kilos.","start":724.93,"end":727.03,"sentiment":"neutral","sentiment_score":0.046000524734457336}],"sentiment":"neutral","sentiment_score":0.07788178087635474,"num_words":22,"start":708.115,"end":727.03},{"sentences":[{"text":"K.","start":741.57,"end":742.07,"sentiment":"neutral","sentiment_score":0.020873773843050003},{"text":"So what I would do 400 I mean, that sounds pretty sort of sustainable because it's not like a 40 kilos in three months type thing.","start":743.97003,"end":758.045,"sentiment":"neutral","sentiment_score":0.05994089377614168},{"text":"It seems like a gradual yep.","start":758.745,"end":763.70496,"sentiment":"neutral","sentiment_score":0.0470317043364048},{"text":"Perfect.","start":763.70496,"end":764.20496,"sentiment":"positive","sentiment_score":0.5942143201828003},{"text":"So the way that usually works is from September till now, they'll probably add half of it back on for a period of time until it's twelve months off.","start":764.825,"end":774.25,"sentiment":"neutral","sentiment_score":0.2531742926301627}],"sentiment":"neutral","sentiment_score":0.15552057213489973,"num_words":63,"start":741.57,"end":774.25},{"sentences":[{"text":"If that bumps you up to 37.5 on the BMI, they may add some loadings on where they say, oh, we're gonna up the price by 50% until that twelve month BMI goes below I think it's 35 or 36 at the moment is usually the cutoff.","start":774.25,"end":791.725,"sentiment":"neutral","sentiment_score":0.09094280567257962},{"text":"They've actually increased it recently.","start":791.725,"end":793.505,"sentiment":"neutral","sentiment_score":0.043567081540822984},{"text":"So I will call around and double check.","start":793.96497,"end":796.605,"sentiment":"neutral","sentiment_score":0.02298153517767787},{"text":"But if they are gonna add a loading on and the price jumps up to $23,000, do you want me to kind of bother with the quotes, or what would be your preference?","start":796.605,"end":806.46,"sentiment":"neutral","sentiment_score":-0.01753082377553889},{"text":"Yeah.","start":812.12,"end":812.36,"sentiment":"neutral","sentiment_score":0.031732700765132904}],"sentiment":"neutral","sentiment_score":0.04392781991392691,"num_words":94,"start":774.25,"end":812.36},{"sentences":[{"text":"And that's the thing is, yep, yearly basis can check on these things, and I will basically call around and check.","start":812.36,"end":821.495,"sentiment":"neutral","sentiment_score":0.013917208693566777},{"text":"And if it's not really gonna be affordable, I'll put a flag on there for the next review.","start":821.495,"end":827.415,"sentiment":"neutral","sentiment_score":-0.10699312306112713},{"text":"And then what we could potentially do is at the next review, do a bit of a pre assessment where they ask a little bit more in-depth questions again, and then we can kind of shoot that off anonymously to the insurance and see if anyone's gonna come back with a with a good deal for you.","start":827.415,"end":841.32,"sentiment":"neutral","sentiment_score":0.07909944836507764},{"text":"Cool.","start":843.14,"end":843.62,"sentiment":"positive","sentiment_score":0.3367065489292145},{"text":"I will put in a flag that you're looking to cancel the insurance, and I'm assuming for NRMA, you would probably just call up and they would do it straight away and okay.","start":843.62,"end":854.265,"sentiment":"neutral","sentiment_score":-0.02984012979449648}],"sentiment":"neutral","sentiment_score":0.017131046076806693,"num_words":130,"start":812.36,"end":854.265},{"sentences":[{"text":"Cool.","start":855.60504,"end":855.84503,"sentiment":"neutral","sentiment_score":0.15199266374111176},{"text":"So I'll note that down.","start":855.84503,"end":857.145,"sentiment":"neutral","sentiment_score":0.09990751892328262},{"text":"Yeah.","start":858.325,"end":858.72504,"sentiment":"neutral","sentiment_score":0.10130824893712996},{"text":"That's right.","start":858.72504,"end":859.36505,"sentiment":"neutral","sentiment_score":0.18219629675149918},{"text":"So no large refunds there.","start":859.36505,"end":862.825,"sentiment":"neutral","sentiment_score":0.06494904682040215}],"sentiment":"neutral","sentiment_score":0.10299830963569027,"num_words":14,"start":855.60504,"end":862.825},{"sentences":[{"text":"Perfect.","start":865.10004,"end":865.60004,"sentiment":"positive","sentiment_score":0.5162404179573059},{"text":"Now if I do get a good outcome from calling the insurers, what I'll basically do is do some quotes for 70% of your income, which is kind of like that maximum that you can do these days.","start":865.66003,"end":877.755,"sentiment":"neutral","sentiment_score":0.2402147635033256},{"text":"I did have you on a higher duties last year where you had gone from about a 125,000 up to a 188.","start":878.395,"end":885.615,"sentiment":"neutral","sentiment_score":0.027125617150555958},{"text":"Do you know what you've kind of ended the financial year on?","start":885.675,"end":888.415,"sentiment":"neutral","sentiment_score":-0.011624646528313557},{"text":"Yep.","start":898.01,"end":898.51,"sentiment":"neutral","sentiment_score":-0.019147839397192}],"sentiment":"neutral","sentiment_score":0.13625028933322914,"num_words":74,"start":865.10004,"end":898.51},{"sentences":[{"text":"Okay.","start":905.21,"end":905.565,"sentiment":"neutral","sentiment_score":0.07127408683300018},{"text":"Perfect.","start":905.885,"end":906.385,"sentiment":"neutral","sentiment_score":0.22085636854171753},{"text":"Oh, great.","start":909.405,"end":913.405,"sentiment":"neutral","sentiment_score":0.08926796820014715},{"text":"And how's that going for the stress levels?","start":913.405,"end":915.34503,"sentiment":"neutral","sentiment_score":-0.052081201458349824},{"text":"Yep.","start":922.8,"end":923.3,"sentiment":"neutral","sentiment_score":-0.05783691257238388}],"sentiment":"neutral","sentiment_score":-0.00029385634339772735,"num_words":13,"start":905.21,"end":923.3},{"sentences":[{"text":"Yeah.","start":933.515,"end":933.835,"sentiment":"neutral","sentiment_score":-0.0009761825203895568},{"text":"That's what we do.","start":933.835,"end":934.555,"sentiment":"neutral","sentiment_score":-0.02313104528002441},{"text":"We take them from there.","start":934.555,"end":935.775,"sentiment":"neutral","sentiment_score":-0.14779336154460906},{"text":"Now similar occupation title, I'm assuming, project coordination business management.","start":936.715,"end":941.775,"sentiment":"neutral","sentiment_score":0.01018701852299273},{"text":"Yep.","start":943.115,"end":943.615,"sentiment":"neutral","sentiment_score":0.006130322813987732}],"sentiment":"neutral","sentiment_score":-0.034498412539029404,"num_words":21,"start":933.515,"end":943.615},{"sentences":[{"text":"Perfect.","start":944.635,"end":945.135,"sentiment":"neutral","sentiment_score":0.2150993049144745},{"text":"Okay.","start":945.275,"end":945.675,"sentiment":"neutral","sentiment_score":0.0067990063689649105},{"text":"So I might base it off the $1.50 for now because if I start trying to push up to that two $100,000 mark, you you're probably gonna get into the extra blood checks and high premiums and all that kind of thing if you're okay with that.","start":945.675,"end":967.315,"sentiment":"neutral","sentiment_score":-0.004179943273676203},{"text":"Perfect.","start":967.935,"end":968.415,"sentiment":"positive","sentiment_score":0.6084065437316895},{"text":"And when it comes to the benefit and waiting period, I said before that that thirty days is pretty standard.","start":968.415,"end":973.71,"sentiment":"neutral","sentiment_score":0.19451650083065034}],"sentiment":"neutral","sentiment_score":0.0646311076823622,"num_words":70,"start":944.635,"end":973.71},{"sentences":[{"text":"You can go cover all the way up to the age of 65, five years, or two years, so you kind of go short, medium, or long term with it.","start":974.91003,"end":983.31,"sentiment":"neutral","sentiment_score":0.21605362618962923},{"text":"But the main question first is waiting period.","start":983.31,"end":986.975,"sentiment":"neutral","sentiment_score":0.03964016865938902},{"text":"Do you want me to do, like, a thirty day standard, push it out to sixty or ninety days because you've got the savings behind you and make it a bit more affordable?","start":986.975,"end":994.515,"sentiment":"neutral","sentiment_score":0.13189131315007355},{"text":"What would be your preference there?","start":995.055,"end":996.675,"sentiment":"neutral","sentiment_score":0.043787057821949325},{"text":"Sixty.","start":1002.51,"end":1003.01,"sentiment":"neutral","sentiment_score":0.19466069340705872}],"sentiment":"neutral","sentiment_score":0.14882726293916887,"num_words":78,"start":974.91003,"end":1003.01},{"sentences":[{"text":"Perfect.","start":1003.15,"end":1003.65,"sentiment":"positive","sentiment_score":0.47062450647354126},{"text":"That kind of narrows it down a little bit because only a handful of insurers do the in between, which is good.","start":1004.11,"end":1010.445,"sentiment":"neutral","sentiment_score":0.1725087375803427},{"text":"So we'll go sixty days.","start":1010.925,"end":1012.605,"sentiment":"neutral","sentiment_score":0.2923448383808136},{"text":"And if nothing comes of it, I'll still keep this on file so that when we go for it again, we can at least go through those preferences.","start":1012.605,"end":1019.185,"sentiment":"neutral","sentiment_score":0.3026595855397837},{"text":"And so what I normally do in terms of affordability is we usually flag premiums once they are, you know, chewing into about 30% of your contributions as a rate as a bit of a red flag for affordability to make sure it's still growing.","start":1021.485,"end":1036.48,"sentiment":"neutral","sentiment_score":0.14780975497431226}],"sentiment":"neutral","sentiment_score":0.20646978509013014,"num_words":101,"start":1003.15,"end":1036.48},{"sentences":[{"text":"So if you're okay with that, I can base the benefit period on the best we can get within that affordability metric.","start":1036.7,"end":1044.665,"sentiment":"neutral","sentiment_score":0.24438101662830872},{"text":"Perfect.","start":1046.9651,"end":1047.4651,"sentiment":"positive","sentiment_score":0.4790663421154022},{"text":"Alright.","start":1048.9651,"end":1049.4651,"sentiment":"neutral","sentiment_score":0.20879988372325897},{"text":"Age 65.","start":1049.525,"end":1050.645,"sentiment":"neutral","sentiment_score":0.05971396714448929},{"text":"Five year, two year.","start":1050.645,"end":1051.865,"sentiment":"neutral","sentiment_score":0.05708487331867218}],"sentiment":"neutral","sentiment_score":0.21373386730750402,"num_words":30,"start":1036.7,"end":1051.865},{"sentences":[{"text":"A little bit of quotes and calls for that one.","start":1052.485,"end":1054.64,"sentiment":"neutral","sentiment_score":0.07732707303948701},{"text":"If the team have any other questions health related, I will get them to give you a call when you are free just to go through and see if there's anything else we can do because part of underwriting, it's a bit of a negotiation.","start":1055.02,"end":1067.28,"sentiment":"neutral","sentiment_score":0.05486636777511901},{"text":"When it comes to your occupation, that's gonna be really good for pricing.","start":1071.825,"end":1076.865,"sentiment":"neutral","sentiment_score":0.258227815421728},{"text":"So you are quite high up in income.","start":1076.865,"end":1079.445,"sentiment":"positive","sentiment_score":0.3549098279327154},{"text":"You do have it does note that you have some tertiary qualifications.","start":1080.145,"end":1086.24,"sentiment":"neutral","sentiment_score":0.12078987744947274}],"sentiment":"neutral","sentiment_score":0.12372700038196688,"num_words":88,"start":1052.485,"end":1086.24},{"sentences":[{"text":"Is it is it kind of like a degree in your field, anything like that, Diplomas, degrees, anything that I can note down?","start":1089.1,"end":1096.635,"sentiment":"neutral","sentiment_score":0.04872649993099596},{"text":"K.","start":1105.575,"end":1106.075,"sentiment":"neutral","sentiment_score":0.016410700976848602},{"text":"And master's in primary education.","start":1107.4149,"end":1110.1901,"sentiment":"neutral","sentiment_score":0.04397102296352386},{"text":"Fantastic.","start":1110.81,"end":1111.31,"sentiment":"positive","sentiment_score":0.5730788707733154},{"text":"And do you look after a lot of staff underneath you in terms of managerial duties?","start":1111.61,"end":1115.7101,"sentiment":"neutral","sentiment_score":0.16418645111843944}],"sentiment":"neutral","sentiment_score":0.0990660304972983,"num_words":46,"start":1089.1,"end":1115.7101},{"sentences":[{"text":"Three direct reports.","start":1118.81,"end":1119.9501,"sentiment":"neutral","sentiment_score":0.05684545636177063},{"text":"Perfect.","start":1120.81,"end":1121.31,"sentiment":"positive","sentiment_score":0.4810991883277893},{"text":"So I think based on that, you would probably be looking at a double a rating, which is the the second best.","start":1121.615,"end":1127.795,"sentiment":"neutral","sentiment_score":0.21293286708268253},{"text":"The only one that's above that is kind of like, you know, a lawyer who looks after 50 staff and a big successful business type type thing.","start":1130.0951,"end":1137.6499,"sentiment":"neutral","sentiment_score":0.17690398323315162},{"text":"Alright.","start":1139.07,"end":1139.47,"sentiment":"neutral","sentiment_score":0.33307093381881714}],"sentiment":"neutral","sentiment_score":0.19343772433974124,"num_words":54,"start":1118.81,"end":1139.47},{"sentences":[{"text":"That's perfect.","start":1139.47,"end":1140.2899,"sentiment":"positive","sentiment_score":0.5530157089233398},{"text":"Any questions on that so far?","start":1140.83,"end":1142.5299,"sentiment":"neutral","sentiment_score":0.15999395896991095},{"text":"K.","start":1144.4299,"end":1144.9299,"sentiment":"neutral","sentiment_score":0.00034575164318084717},{"text":"When it comes to your life and TPD insurance, that 300 that we've got inside the super, do you want me to just kind of leave that alone?","start":1144.99,"end":1153.535,"sentiment":"neutral","sentiment_score":-0.06143515756619828},{"text":"Do you want me to look at increasing, decreasing, or just kind of focus on the income side?","start":1153.535,"end":1158.3551,"sentiment":"neutral","sentiment_score":-0.0681398148751921}],"sentiment":"neutral","sentiment_score":-0.016006548296321522,"num_words":55,"start":1139.47,"end":1158.3551},{"sentences":[{"text":"K.","start":1161.2151,"end":1161.63,"sentiment":"neutral","sentiment_score":0.07679666578769684},{"text":"And I do have to ask for the fourth one because there are four insurances.","start":1162.51,"end":1165.65,"sentiment":"neutral","sentiment_score":-0.0070014089345932},{"text":"And the other one is trauma insurance, which has to be paid out of pocket, and it's for heart attack, stroke, and cancer.","start":1166.27,"end":1174.665,"sentiment":"neutral","sentiment_score":-0.06005450986001803},{"text":"So it's essentially like a a $100,000 lump sum if you have one of those major conditions, whereas it's not passing away or being off work or total disability.","start":1175.2251,"end":1186.525,"sentiment":"neutral","sentiment_score":-0.046629856372701714},{"text":"It's just the diagnosis itself.","start":1186.8251,"end":1189.58,"sentiment":"neutral","sentiment_score":-0.03400811702013016}],"sentiment":"neutral","sentiment_score":-0.04016143308110433,"num_words":73,"start":1161.2151,"end":1189.58},{"sentences":[{"text":"It can definitely range up to 100 a month or above.","start":1189.8,"end":1193.66,"sentiment":"neutral","sentiment_score":0.0005288024178960106},{"text":"So I just wanted to sort of gauge with you if that's worth quoting for or just focus on the income side.","start":1198.6,"end":1204.225,"sentiment":"neutral","sentiment_score":0.04858560606159947},{"text":"Yeah.","start":1216.285,"end":1216.56,"sentiment":"neutral","sentiment_score":-0.03494606167078018},{"text":"I mean, the life insurance and the disability insurance will still be there in those circumstances if it gets bad enough and the income protection possibly as well.","start":1217.1201,"end":1225.06,"sentiment":"neutral","sentiment_score":-0.11526936319257532},{"text":"But this is more like going to a private practice for extra treatment, partner taking a bit of time off work to look after you after a heart attack.","start":1225.3601,"end":1234.2749,"sentiment":"neutral","sentiment_score":-0.0568877965982618}],"sentiment":"neutral","sentiment_score":-0.04217070519187293,"num_words":91,"start":1189.8,"end":1234.2749},{"sentences":[{"text":"It's a bit of a nice to have.","start":1234.4149,"end":1235.955,"sentiment":"positive","sentiment_score":0.3960724901407957},{"text":"K.","start":1238.575,"end":1239.075,"sentiment":"neutral","sentiment_score":0.09304513037204742},{"text":"Now I think I have everything I need to to do that initial research.","start":1241.375,"end":1245.4901,"sentiment":"neutral","sentiment_score":0.23963242237057006},{"text":"And like I said, if it is a good outcome, I'll run it by you.","start":1245.4901,"end":1248.6901,"sentiment":"positive","sentiment_score":0.38197150230407717},{"text":"If not, I'll keep it on file for the next review.","start":1248.6901,"end":1251.1101,"sentiment":"neutral","sentiment_score":0.21883100406690079}],"sentiment":"neutral","sentiment_score":0.3010855621221114,"num_words":49,"start":1234.4149,"end":1251.1101},{"sentences":[{"text":"So that's pretty much it for the insurance side.","start":1252.6101,"end":1254.945,"sentiment":"neutral","sentiment_score":0.32470489541689557},{"text":"Just wanted to quickly check with you as well.","start":1255.505,"end":1257.6849,"sentiment":"neutral","sentiment_score":0.3325147132078807},{"text":"We have the new system, and I've just been updating everybody's details.","start":1258.225,"end":1261.605,"sentiment":"neutral","sentiment_score":0.21549126133322716},{"text":"Assets and liabilities, we did have three properties noted down as well as quite a bit in savings and some investments in some ETFs.","start":1262.3049,"end":1271.9501,"sentiment":"neutral","sentiment_score":0.10259874599675338},{"text":"So I'm just wondering if you still have the three properties.","start":1272.01,"end":1274.5901,"sentiment":"neutral","sentiment_score":0.0294062156568874}],"sentiment":"neutral","sentiment_score":0.1736416906118393,"num_words":65,"start":1252.6101,"end":1274.5901},{"sentences":[{"text":"Yep.","start":1276.25,"end":1276.75,"sentiment":"neutral","sentiment_score":0.04863833636045456},{"text":"With the offset account, we had a 120,000 in there previously.","start":1277.53,"end":1281.6901,"sentiment":"neutral","sentiment_score":0.021701101298359306},{"text":"Have you managed to increase, decrease?","start":1281.6901,"end":1283.55,"sentiment":"neutral","sentiment_score":-0.006612838556369145},{"text":"Yep.","start":1288.125,"end":1288.625,"sentiment":"neutral","sentiment_score":-0.0729375034570694},{"text":"That that's fair enough.","start":1290.0449,"end":1291.2649,"sentiment":"neutral","sentiment_score":0.03579212725162506}],"sentiment":"neutral","sentiment_score":0.013821931515374909,"num_words":23,"start":1276.25,"end":1291.2649},{"sentences":[{"text":"Yeah.","start":1294.365,"end":1294.865,"sentiment":"neutral","sentiment_score":0.04125804081559181},{"text":"Investments in the ETFs, we had about 6,000 there.","start":1296.125,"end":1298.75,"sentiment":"neutral","sentiment_score":0.035235618551572166},{"text":"I don't know if you've been continuing to invest alongside.","start":1298.75,"end":1301.25,"sentiment":"neutral","sentiment_score":0.024014423601329327},{"text":"Yep.","start":1303.3099,"end":1303.7899,"sentiment":"neutral","sentiment_score":0.04718567058444023},{"text":"And any interest in further investments there, or was that just kind of growing in the background?","start":1303.7899,"end":1308.61,"sentiment":"neutral","sentiment_score":0.012687443262513946}],"sentiment":"neutral","sentiment_score":0.022668290785268733,"num_words":38,"start":1294.365,"end":1308.61},{"sentences":[{"text":"Perfect.","start":1310.9099,"end":1311.4099,"sentiment":"positive","sentiment_score":0.4886861443519592},{"text":"I was gonna do just some update evaluations.","start":1312.345,"end":1314.525,"sentiment":"neutral","sentiment_score":0.19414174556732178},{"text":"Just wanted to check-in terms of the mortgage on your main residence.","start":1314.585,"end":1318.125,"sentiment":"neutral","sentiment_score":0.08294727839529514},{"text":"230,000 we have.","start":1318.585,"end":1320.605,"sentiment":"neutral","sentiment_score":0.038198973362644516},{"text":"That's alright.","start":1328.36,"end":1328.9199,"sentiment":"neutral","sentiment_score":-0.06173984648194163}],"sentiment":"neutral","sentiment_score":0.11647325679838944,"num_words":26,"start":1310.9099,"end":1328.9199},{"sentences":[{"text":"And while you're doing that, I'm just gonna see if I can get a quick valuation update on 218.","start":1328.9199,"end":1338.52,"sentiment":"neutral","sentiment_score":0.039533082983995736},{"text":"Thank you very much.","start":1338.52,"end":1341.575,"sentiment":"positive","sentiment_score":0.5047814324498177},{"text":"218000.","start":1341.575,"end":1342.7949,"sentiment":"neutral","sentiment_score":0.09297802299261092},{"text":"Have there been any major changes to Wheeler Street or Sunset Drive in terms of value or loan structures and amounts?","start":1343.1749,"end":1352.155,"sentiment":"neutral","sentiment_score":0.005131965902234826},{"text":"K.","start":1355.47,"end":1355.97,"sentiment":"neutral","sentiment_score":-0.018801704049110413}],"sentiment":"neutral","sentiment_score":0.06417830237794829,"num_words":46,"start":1328.9199,"end":1355.97},{"sentences":[{"text":"I still have the the main residence valued at about 1,700,000.","start":1356.0299,"end":1359.47,"sentiment":"neutral","sentiment_score":0.0022039426998658614},{"text":"That's what I'm seeing online as well.","start":1359.47,"end":1361.3099,"sentiment":"neutral","sentiment_score":0.0556214696594647},{"text":"So would it be safe to kind of leave those three as they are?","start":1361.3099,"end":1364.2699,"sentiment":"neutral","sentiment_score":0.008041058400911945},{"text":"Or Perfect.","start":1364.2699,"end":1366.9299,"sentiment":"neutral","sentiment_score":0.2057343302294612},{"text":"We got the Kia Sportage, the Mazda CX three, and that should be I'm assuming no other assets or loans floating around.","start":1367.47,"end":1375.875,"sentiment":"neutral","sentiment_score":0.06820513718676838}],"sentiment":"neutral","sentiment_score":0.04353839559813163,"num_words":56,"start":1356.0299,"end":1375.875},{"sentences":[{"text":"Oh, there you go.","start":1382.335,"end":1383.06,"sentiment":"neutral","sentiment_score":0.057224174961447716},{"text":"Congratulations.","start":1385.7001,"end":1386.2001,"sentiment":"positive","sentiment_score":0.42836666107177734},{"text":"Got in before the legislation.","start":1386.9,"end":1388.28,"sentiment":"neutral","sentiment_score":0.11002479046583176},{"text":"Well done.","start":1388.5,"end":1389.2401,"sentiment":"neutral","sentiment_score":0.14057642221450806},{"text":"So I'll just do some quick round figures for that one.","start":1390.8201,"end":1393.8,"sentiment":"neutral","sentiment_score":-0.07073865898630836}],"sentiment":"neutral","sentiment_score":0.030887604731580486,"num_words":23,"start":1382.335,"end":1393.8},{"sentences":[{"text":"Oh, in Australia, I think anything can change at any point now, can't it?","start":1394.42,"end":1397.835,"sentiment":"neutral","sentiment_score":-0.0762977988592216},{"text":"So we'll put investment property number three there.","start":1400.075,"end":1403.135,"sentiment":"neutral","sentiment_score":0.021099058911204338},{"text":"Just a quick round figure on value and and loan on that one.","start":1403.4349,"end":1407.375,"sentiment":"neutral","sentiment_score":0.025293508974405434},{"text":"Yep.","start":1415.45,"end":1415.95,"sentiment":"neutral","sentiment_score":0.09414248168468475},{"text":"Thank you.","start":1416.41,"end":1417.39,"sentiment":"neutral","sentiment_score":0.2762340009212494}],"sentiment":"neutral","sentiment_score":0.0020012996698680675,"num_words":38,"start":1394.42,"end":1417.39},{"sentences":[{"text":"And I do appreciate you oh, that's gonna be a fun one, but I do appreciate you updating these details with me.","start":1424.8151,"end":1431.235,"sentiment":"neutral","sentiment_score":0.19805524074895817},{"text":"And what would you like me to call this one?","start":1442.51,"end":1444.3501,"sentiment":"neutral","sentiment_score":-0.009581044502556323},{"text":"Should I put a a straight down for that one as well?","start":1444.3501,"end":1447.0901,"sentiment":"neutral","sentiment_score":-0.000553421676158905},{"text":"Yeah.","start":1450.8301,"end":1451.31,"sentiment":"neutral","sentiment_score":0.05298472195863724},{"text":"Parkridge, Thornton.","start":1451.31,"end":1458.4349,"sentiment":"neutral","sentiment_score":0.046808572486042976}],"sentiment":"neutral","sentiment_score":0.09364607783549643,"num_words":47,"start":1424.8151,"end":1458.4349},{"sentences":[{"text":"Kilmore.","start":1458.4349,"end":1458.9349,"sentiment":"neutral","sentiment_score":0.061840154230594635},{"text":"Perfect.","start":1459.475,"end":1459.975,"sentiment":"neutral","sentiment_score":0.30104899406433105},{"text":"Victoria.","start":1461.315,"end":1461.815,"sentiment":"neutral","sentiment_score":0.25663667917251587},{"text":"I managed to spread around one in each state.","start":1462.595,"end":1464.6,"sentiment":"neutral","sentiment_score":0.3068452924489975},{"text":"That's amazing.","start":1464.6,"end":1465.34,"sentiment":"positive","sentiment_score":0.5322064757347107}],"sentiment":"neutral","sentiment_score":0.31753902935556005,"num_words":14,"start":1458.4349,"end":1465.34},{"sentences":[{"text":"Branching out a little bit is nice.","start":1466.44,"end":1468.22,"sentiment":"positive","sentiment_score":0.6697896718978882},{"text":"Okay.","start":1483.015,"end":1483.515,"sentiment":"neutral","sentiment_score":0.09042516350746156},{"text":"So it's owing a bit more than the value.","start":1483.815,"end":1485.995,"sentiment":"neutral","sentiment_score":-0.0074465661827060915},{"text":"Yep.","start":1487.255,"end":1487.755,"sentiment":"neutral","sentiment_score":0.04742905497550965},{"text":"Yeah.","start":1496.23,"end":1496.73,"sentiment":"neutral","sentiment_score":0.0018080445006489752}],"sentiment":"neutral","sentiment_score":0.2505879405591833,"num_words":19,"start":1466.44,"end":1496.73},{"sentences":[{"text":"No.","start":1496.79,"end":1497.03,"sentiment":"neutral","sentiment_score":-0.026421399787068367},{"text":"That's fair enough.","start":1497.03,"end":1498.09,"sentiment":"neutral","sentiment_score":0.06393493215243022},{"text":"Alrighty.","start":1502.9501,"end":1503.4501,"sentiment":"neutral","sentiment_score":0.11236832290887833},{"text":"$6.80 on that one.","start":1504.5951,"end":1505.795,"sentiment":"neutral","sentiment_score":0.12984022498130798},{"text":"600 value.","start":1505.795,"end":1506.8551,"sentiment":"neutral","sentiment_score":0.11148935183882713}],"sentiment":"neutral","sentiment_score":0.09273557483472607,"num_words":11,"start":1496.79,"end":1506.8551},{"sentences":[{"text":"Amazing.","start":1507.155,"end":1507.635,"sentiment":"positive","sentiment_score":0.6247351169586182},{"text":"Thank you very much for that.","start":1507.635,"end":1509.015,"sentiment":"positive","sentiment_score":0.5033022413651148},{"text":"Yep.","start":1543.84,"end":1544.08,"sentiment":"neutral","sentiment_score":0.010584826581180096},{"text":"No.","start":1544.08,"end":1544.32,"sentiment":"neutral","sentiment_score":-0.046399910002946854},{"text":"That's totally fine.","start":1544.32,"end":1545.36,"sentiment":"neutral","sentiment_score":0.04368754352132479}],"sentiment":"neutral","sentiment_score":0.3116496760242929,"num_words":12,"start":1507.155,"end":1545.36},{"sentences":[{"text":"If it becomes necessary for the advice that we need to factor in a more accurate value, we can kind of go through some online estimates as well, but not necessary at this point.","start":1545.36,"end":1555.915,"sentiment":"neutral","sentiment_score":-0.06542104340213187},{"text":"Cool.","start":1558.215,"end":1558.715,"sentiment":"neutral","sentiment_score":0.21891433000564575},{"text":"Lucille, before I jump into the portfolio side of things for the super, I just wanted to double check in terms of cash flow priorities and belts.","start":1559.175,"end":1568.67,"sentiment":"neutral","sentiment_score":0.11973386989147575},{"text":"We do have a bit of an earlier retirement flag for you guys aiming for that age 60 where you can access your super.","start":1569.39,"end":1575.81,"sentiment":"neutral","sentiment_score":0.1339704760660728},{"text":"I'm just wondering if there's anything else that you guys are now focusing on for the next few years now that you've got that third investment property.","start":1576.1901,"end":1595.5851,"sentiment":"neutral","sentiment_score":-0.011329291974780735}],"sentiment":"neutral","sentiment_score":0.036608972421855526,"num_words":113,"start":1545.36,"end":1595.5851},{"sentences":[{"text":"Yep.","start":1595.805,"end":1596.12,"sentiment":"neutral","sentiment_score":0.08430419862270355},{"text":"Absolutely.","start":1598.52,"end":1599.02,"sentiment":"neutral","sentiment_score":0.30224719643592834},{"text":"Now when it comes to contributions into super, I did notice a decent amount going in there because they've they've obviously had that bump up in the duties.","start":1600.2,"end":1611.075,"sentiment":"neutral","sentiment_score":0.12888726019965752},{"text":"Are you looking at doing any salary sacrifice this financial year, or is it mainly just focused on that mortgage and the offset for the next twelve months?","start":1612.9149,"end":1620.455,"sentiment":"neutral","sentiment_score":-0.01866493420675397},{"text":"Yeah.","start":1632.61,"end":1633.09,"sentiment":"neutral","sentiment_score":0.0024428796023130417}],"sentiment":"neutral","sentiment_score":0.058902023770546506,"num_words":59,"start":1595.805,"end":1633.09},{"sentences":[{"text":"And that's what I was kind of seeing where there's a lot of contributions going in, and I see it increasing quite quickly.","start":1633.09,"end":1648.655,"sentiment":"neutral","sentiment_score":0.041659677806107895},{"text":"Yeah.","start":1649.675,"end":1649.995,"sentiment":"neutral","sentiment_score":0.06684800982475281},{"text":"That'd be the safest way because there was already 20,000 in the last twelve months even with that holiday and everything.","start":1649.995,"end":1656.68,"sentiment":"neutral","sentiment_score":0.12856512126468478},{"text":"So if we get to end of financial year next year, if there is anything left over, you know, one of the strategies that I I recommend a lot is just pulling everything into that offset account.","start":1657.86,"end":1669.105,"sentiment":"neutral","sentiment_score":0.2146449163556099},{"text":"And then when end of financial year comes, if you wanna do a little top up contribution then, you can kind of get the best of both worlds.","start":1669.165,"end":1675.645,"sentiment":"neutral","sentiment_score":0.19605533592402935}],"sentiment":"neutral","sentiment_score":0.15596635869958184,"num_words":110,"start":1633.09,"end":1675.645},{"sentences":[{"text":"But I don't see any reason of doing any salary sacrifice at this point.","start":1675.645,"end":1679.505,"sentiment":"neutral","sentiment_score":-0.24112734996846744},{"text":"Perfect.","start":1681.245,"end":1681.745,"sentiment":"positive","sentiment_score":0.5742413401603699},{"text":"Now when it comes to the portfolio itself, so I'm just having a look at both accounts.","start":1682.1,"end":1687.22,"sentiment":"neutral","sentiment_score":0.27622170571018667},{"text":"So you guys are all linked up.","start":1687.22,"end":1688.84,"sentiment":"positive","sentiment_score":0.3538908575262342},{"text":"Hub twenty four is doing its family fee linking, which is great.","start":1689.22,"end":1692.28,"sentiment":"positive","sentiment_score":0.4690973187486331}],"sentiment":"neutral","sentiment_score":0.19609080912435756,"num_words":51,"start":1675.645,"end":1692.28},{"sentences":[{"text":"That brings you down in the admin fee categories quite quickly, especially because combined, you're sitting at that kind of 700,000 mark now.","start":1692.34,"end":1701.0549,"sentiment":"positive","sentiment_score":0.36075828256814374},{"text":"So the next tier for you guys in admin fee reductions is a million, and then it goes down to very, very low percentages.","start":1701.515,"end":1708.975,"sentiment":"neutral","sentiment_score":0.0909533587594827},{"text":"With Hub, they tend to go from, like, 0.36% straight down to 0.1 and then 0.04.","start":1709.755,"end":1717.1,"sentiment":"neutral","sentiment_score":0.08563852752558887},{"text":"It pretty much becomes nothing when you have over a million to $2,000,000.","start":1717.1,"end":1721.12,"sentiment":"neutral","sentiment_score":0.00958103915819755},{"text":"So that's really helpful.","start":1723.1,"end":1724.4,"sentiment":"positive","sentiment_score":0.44966574013233185}],"sentiment":"neutral","sentiment_score":0.17217192524112762,"num_words":80,"start":1692.34,"end":1724.4},{"sentences":[{"text":"Balance wise, so you've had a pretty, pretty strong journey of contributions and growth since you started.","start":1724.875,"end":1731.515,"sentiment":"positive","sentiment_score":0.4765615112641278},{"text":"A hundred and twenty eight thousand at the start.","start":1731.515,"end":1733.6749,"sentiment":"neutral","sentiment_score":0.27851546472973293},{"text":"You're sitting at $2.77 $5.06 4 today.","start":1733.6749,"end":1737.39,"sentiment":"neutral","sentiment_score":0.192042846764837},{"text":"It slowed down a little bit the last twelve months.","start":1738.17,"end":1740.67,"sentiment":"neutral","sentiment_score":-0.17395413294434547},{"text":"So I think you've gone from $2.46 to $2.77.","start":1740.73,"end":1744.83,"sentiment":"neutral","sentiment_score":0.03421521745622158}],"sentiment":"neutral","sentiment_score":0.2023246236360417,"num_words":52,"start":1724.875,"end":1744.83},{"sentences":[{"text":"Half of that is your contributions, and half of that is the investment growth.","start":1745.21,"end":1749.075,"sentiment":"neutral","sentiment_score":0.0746589678206614},{"text":"Now we had a bit of a drop in the markets in March where the balance had kind of fallen from $2.70 to $2.50 and then bounced back up to $2.77.","start":1751.075,"end":1763.095,"sentiment":"neutral","sentiment_score":-0.26467741977783943},{"text":"So about $20 drop for a month's period.","start":1763.235,"end":1766.51,"sentiment":"neutral","sentiment_score":-0.32021490670740604},{"text":"You mentioned at the start of the call being quite risk averse.","start":1767.8501,"end":1770.99,"sentiment":"negative","sentiment_score":-0.347153144578139},{"text":"So I wanted to just quickly ask you because you're in that growth profile, you're kind of at, like, a a four out of five on the risk profile.","start":1771.29,"end":1779.515,"sentiment":"neutral","sentiment_score":-0.02761214878410101}],"sentiment":"neutral","sentiment_score":-0.15625621028680434,"num_words":94,"start":1745.21,"end":1779.515},{"sentences":[{"text":"You're not high risk, but you're still primarily focusing on growth.","start":1779.815,"end":1784.475,"sentiment":"neutral","sentiment_score":-0.03555235165086659},{"text":"And what that means is you've got 80% in, like, shares and property rather than 90 or a 100%.","start":1784.775,"end":1792.08,"sentiment":"neutral","sentiment_score":-0.0014332754439429236},{"text":"Now because the returns are all percentage based in super, what tends to happen is as you build up your bigger balance, that 10% return up and down, that's gonna be a bigger portion of your balance.","start":1794.32,"end":1806.955,"sentiment":"neutral","sentiment_score":0.06906510808983364},{"text":"So what you're gonna start noticing now is that your super from 277,000, it could go back down to $2.50, and then it could be at 300,000 this time next year.","start":1807.095,"end":1817.835,"sentiment":"neutral","sentiment_score":0.022412292178600066},{"text":"So what I kind of mean by that is if you get a 10% return of of $500,000, there's $50.","start":1820.215,"end":1827.49,"sentiment":"neutral","sentiment_score":0.016061177919618787}],"sentiment":"neutral","sentiment_score":0.026721233166596393,"num_words":118,"start":1779.815,"end":1827.49},{"sentences":[{"text":"But if you only had 30,000 in super, it's $3,000.","start":1827.63,"end":1831.57,"sentiment":"neutral","sentiment_score":-0.026227205246686935},{"text":"So what tends to happen now is that the growth of your super is a lot bigger than the contributions that you're gonna be putting in.","start":1831.79,"end":1839.185,"sentiment":"neutral","sentiment_score":-0.057580205396964},{"text":"It's kind of gonna take you off and get you to those higher amounts more so than what you're putting in.","start":1839.185,"end":1844.885,"sentiment":"neutral","sentiment_score":-0.13834851660898753},{"text":"Now just based off that, Lucia, any concerns on your end when it comes to what I said in terms of the volatility that you've experienced?","start":1847.8251,"end":1854.5,"sentiment":"neutral","sentiment_score":-0.07086825628693287},{"text":"K.","start":1859.28,"end":1859.78,"sentiment":"neutral","sentiment_score":-0.17649933695793152}],"sentiment":"neutral","sentiment_score":-0.07956845526184354,"num_words":84,"start":1827.63,"end":1859.78},{"sentences":[{"text":"I'm assuming you're not considering trying to increase risk at this time to try and get a higher return.","start":1861.04,"end":1865.4049,"sentiment":"neutral","sentiment_score":-0.29840721111548574},{"text":"K.","start":1867.465,"end":1867.965,"sentiment":"neutral","sentiment_score":-0.0031782202422618866},{"text":"Perfect.","start":1868.105,"end":1868.605,"sentiment":"positive","sentiment_score":0.37709200382232666},{"text":"I think growth is pretty reasonable.","start":1869.465,"end":1871.485,"sentiment":"positive","sentiment_score":0.43247359494368237},{"text":"You've got a good 6 figure income.","start":1871.625,"end":1873.565,"sentiment":"positive","sentiment_score":0.3722745563302721}],"sentiment":"neutral","sentiment_score":-0.002795875401181333,"num_words":34,"start":1861.04,"end":1873.565},{"sentences":[{"text":"You've got a pretty decent balance for your age, and it's catching up pretty quickly as well.","start":1874.1849,"end":1879.78,"sentiment":"positive","sentiment_score":0.39045748114585876},{"text":"The returns, like I I mentioned before, a little bit slower this year.","start":1881.04,"end":1886.0,"sentiment":"neutral","sentiment_score":-0.24282956811097953},{"text":"So normally, when you're in a growth profile, we wanna be aiming for around about nine to 10% average.","start":1886.0,"end":1892.025,"sentiment":"neutral","sentiment_score":0.0019056504886401327},{"text":"Whereas in a single year, it could go up 20%, and it may drop in those, you know, one off bad years where there's a GFC, a COVID, a war breaking out, or something like that, and just get that average over the ten year period over that market cycle of the nine to 10%.","start":1892.885,"end":1911.46,"sentiment":"neutral","sentiment_score":-0.07697229883210226},{"text":"Does that make sense to start with?","start":1911.46,"end":1913.08,"sentiment":"neutral","sentiment_score":-0.007296902260610035}],"sentiment":"neutral","sentiment_score":-0.006913104488908708,"num_words":111,"start":1874.1849,"end":1913.08},{"sentences":[{"text":"Cool.","start":1914.74,"end":1915.185,"sentiment":"neutral","sentiment_score":0.08338160812854767},{"text":"So it's only grown by about five or 6% the last twelve months because it kind of went up, went back down, then went back up again.","start":1915.425,"end":1923.765,"sentiment":"neutral","sentiment_score":-0.06255053570149122},{"text":"So it kind of had that blip in the middle.","start":1923.905,"end":1926.165,"sentiment":"neutral","sentiment_score":-0.10481876283884048},{"text":"So it hasn't gone negative, which is good, but I do wanna warn you that there will be a negative year coming up sometime in the next few years.","start":1926.385,"end":1934.27,"sentiment":"neutral","sentiment_score":-0.24107055314655962},{"text":"K?","start":1936.25,"end":1936.75,"sentiment":"neutral","sentiment_score":-0.008413562551140785}],"sentiment":"neutral","sentiment_score":-0.1419577954117866,"num_words":68,"start":1914.74,"end":1936.75},{"sentences":[{"text":"So what I need to do when I'm looking at your investments, because you've got eight different options that we've kind of put together to build a portfolio.","start":1936.8099,"end":1945.315,"sentiment":"neutral","sentiment_score":0.04297600566808667},{"text":"So one of them is like your gold option.","start":1945.455,"end":1947.395,"sentiment":"neutral","sentiment_score":0.07789331674575806},{"text":"One's your shares in America, some cybersecurity, all these different areas.","start":1947.775,"end":1952.355,"sentiment":"neutral","sentiment_score":0.08557365157387474},{"text":"We put them all together, and that makes your nice pie chart.","start":1952.575,"end":1956.0,"sentiment":"neutral","sentiment_score":0.17777947584788004},{"text":"That's your portfolio with all the different assets.","start":1956.0599,"end":1958.7999,"sentiment":"neutral","sentiment_score":0.11505558528006077}],"sentiment":"neutral","sentiment_score":0.08675700836979292,"num_words":68,"start":1936.8099,"end":1958.7999},{"sentences":[{"text":"When I look at these options here, I'm sent you through a bit of a report just so you can see them as well.","start":1961.1,"end":1967.385,"sentiment":"neutral","sentiment_score":0.08698281180113554},{"text":"Pretty much everybody has had some really strong returns.","start":1967.865,"end":1970.605,"sentiment":"positive","sentiment_score":0.5588967800140381},{"text":"Everything is double digits that I can see.","start":1971.705,"end":1974.045,"sentiment":"positive","sentiment_score":0.5254322215914726},{"text":"Gold's up fantastically 12%.","start":1974.905,"end":1977.165,"sentiment":"positive","sentiment_score":0.5693690776824951},{"text":"You've got agriculture shares that are up 19%.","start":1977.545,"end":1980.265,"sentiment":"positive","sentiment_score":0.33722905814647675}],"sentiment":"neutral","sentiment_score":0.3074797179620221,"num_words":53,"start":1961.1,"end":1980.265},{"sentences":[{"text":"So everything's looking really good.","start":1980.265,"end":1981.68,"sentiment":"positive","sentiment_score":0.5609168410301208},{"text":"You've got a safe portion, that 20% that's not invested in the stock market.","start":1981.92,"end":1986.8201,"sentiment":"neutral","sentiment_score":0.14389399758407048},{"text":"That's up its usual four to 5%, which is pretty standard.","start":1986.9601,"end":1990.26,"sentiment":"neutral","sentiment_score":0.2890633588487452},{"text":"And you've even got some infrastructure that's going up really well, 18% there as well.","start":1990.9601,"end":1995.8601,"sentiment":"positive","sentiment_score":0.3824096868435542},{"text":"The only one that's a bit of a concern for me is a Benelong Australian shares option.","start":1996.1849,"end":2001.725,"sentiment":"neutral","sentiment_score":-0.3169247692122179}],"sentiment":"neutral","sentiment_score":0.13463260233402252,"num_words":62,"start":1980.265,"end":2001.725},{"sentences":[{"text":"So that one's actually dropped quite significantly compared to the other options.","start":2002.1849,"end":2006.6849,"sentiment":"negative","sentiment_score":-0.4106315126021703},{"text":"It's a portion of your balance, but I would say it has underperformed the other Australian options that are out there.","start":2007.865,"end":2015.76,"sentiment":"neutral","sentiment_score":-0.14879735701140903},{"text":"So what I'm thinking is that overall, the super is not doing too bad, good long term growth, but I think a bit of an engine tune up is kind of warranted where you've been in this for a few years now.","start":2019.58,"end":2031.4451,"sentiment":"neutral","sentiment_score":0.11229399361071132},{"text":"I think I wanna kind of maybe switch out this option at least.","start":2031.4451,"end":2034.505,"sentiment":"neutral","sentiment_score":-0.011632388027814718},{"text":"The other ones are looking really good, but I just wanna kind of knock out the bad apple and put in a good red apple, if that sense.","start":2034.805,"end":2041.7101,"sentiment":"neutral","sentiment_score":0.17896964667098864}],"sentiment":"neutral","sentiment_score":0.013137535738020107,"num_words":116,"start":2002.1849,"end":2041.7101},{"sentences":[{"text":"So while I'm doing the calls and research regarding the income protection, I'm just gonna look for a bit of an update.","start":2043.29,"end":2050.03,"sentiment":"neutral","sentiment_score":0.024403865957124668},{"text":"I do have one question for you, though.","start":2050.6501,"end":2052.51,"sentiment":"neutral","sentiment_score":-0.002327416092157364},{"text":"In terms of the style of the investment, because Hub twenty four has the most investment options in the country, we're talking about 1,300, I need to whittle it down just a little bit.","start":2053.93,"end":2063.7349,"sentiment":"neutral","sentiment_score":0.032145955764195495},{"text":"Now we've got a choice between low fee options, passive, or a bit more higher fee to try and get a higher return.","start":2064.115,"end":2072.74,"sentiment":"neutral","sentiment_score":0.08681171614190807},{"text":"And I just wanna know where you kind of lean between the two.","start":2072.74,"end":2075.56,"sentiment":"neutral","sentiment_score":0.037020619672078356}],"sentiment":"neutral","sentiment_score":0.04089165745303035,"num_words":100,"start":2043.29,"end":2075.56},{"sentences":[{"text":"And there's no wrong answers cause I can pick a a really good one in either one, but it's really just about that gut feeling of where do you lean between higher returns or lower cost?","start":2082.02,"end":2092.4148,"sentiment":"neutral","sentiment_score":0.03677952572454362},{"text":"Yeah.","start":2101.77,"end":2102.09,"sentiment":"neutral","sentiment_score":0.06852911412715912},{"text":"That's right.","start":2102.09,"end":2102.6501,"sentiment":"neutral","sentiment_score":0.1285715401172638},{"text":"So the risk profile stays the same.","start":2102.6501,"end":2104.81,"sentiment":"neutral","sentiment_score":0.0131989557828222},{"text":"I'm just gonna change the style of the manager.","start":2104.81,"end":2107.1501,"sentiment":"neutral","sentiment_score":0.061089151021507054}],"sentiment":"neutral","sentiment_score":0.04167145763851956,"num_words":55,"start":2082.02,"end":2107.1501},{"sentences":[{"text":"Okay.","start":2112.635,"end":2113.135,"sentiment":"neutral","sentiment_score":0.08264367282390594},{"text":"So that's similar style to what it's currently in.","start":2113.195,"end":2116.7952,"sentiment":"neutral","sentiment_score":0.09374674078491},{"text":"So what I'll basically do is I'm just gonna I've got a few people that we've shortlisted.","start":2116.7952,"end":2121.215,"sentiment":"neutral","sentiment_score":0.13524946701877258},{"text":"We've been researching recently, and I've got a couple there that I'm gonna compare and do a bit of a switch out like for like for you.","start":2121.2751,"end":2128.41,"sentiment":"neutral","sentiment_score":0.15776575246342905},{"text":"Perfect.","start":2130.07,"end":2130.57,"sentiment":"positive","sentiment_score":0.6907613277435303}],"sentiment":"neutral","sentiment_score":0.14865530769933355,"num_words":55,"start":2112.635,"end":2130.57},{"sentences":[{"text":"Alrighty.","start":2130.95,"end":2131.45,"sentiment":"positive","sentiment_score":0.3821077346801758},{"text":"Any questions on that so far?","start":2131.51,"end":2133.21,"sentiment":"neutral","sentiment_score":0.19963498413562775},{"text":"Amazing.","start":2134.79,"end":2135.29,"sentiment":"neutral","sentiment_score":0.020952561870217323},{"text":"Now what we can do later on is when you get a bit closer to retirement, I think it would be a good idea to get both of you guys together and just have that sit down of a bit of a joint retirement discussion when it becomes a bit more practical.","start":2135.4849,"end":2151.77,"sentiment":"neutral","sentiment_score":0.3041320345722712},{"text":"So what I'm sort of thinking is we're focusing on just getting that good growth out of it now, aiming for the age 60 retirement.","start":2151.77,"end":2157.87,"sentiment":"positive","sentiment_score":0.373784995675087}],"sentiment":"neutral","sentiment_score":0.3148277751882287,"num_words":85,"start":2130.95,"end":2157.87},{"sentences":[{"text":"But once you're getting close to that last sort of ten to fifteen years, we might tie both of you guys in together for a joint analysis just to see how you're tracking for retirement, how long the funds will last, will it go past life expectancy, do we need to do any other strategies as well.","start":2158.17,"end":2174.825,"sentiment":"neutral","sentiment_score":0.1893740054546741},{"text":"Sound good?","start":2176.805,"end":2177.625,"sentiment":"positive","sentiment_score":0.3650843948125839},{"text":"Alrighty.","start":2179.045,"end":2179.545,"sentiment":"neutral","sentiment_score":0.24780216813087463},{"text":"Now I have gone through quite a few different things with you tonight between the insurances and the super.","start":2179.98,"end":2185.92,"sentiment":"neutral","sentiment_score":0.06961772022278685},{"text":"I just wanted to ask if you had any questions at this point.","start":2185.98,"end":2188.64,"sentiment":"neutral","sentiment_score":0.026393982223593272}],"sentiment":"neutral","sentiment_score":0.1460668230631753,"num_words":92,"start":2158.17,"end":2188.64},{"sentences":[{"text":"Okay.","start":2192.06,"end":2192.56,"sentiment":"neutral","sentiment_score":0.08131615072488785},{"text":"Estate planning looks good.","start":2193.9,"end":2195.235,"sentiment":"positive","sentiment_score":0.4613763839006424},{"text":"You've got the nominations for the super for the beneficiary nominations in place.","start":2195.235,"end":2199.495,"sentiment":"neutral","sentiment_score":0.24232940490429217},{"text":"Did you guys end up getting a will in place?","start":2200.1152,"end":2202.375,"sentiment":"neutral","sentiment_score":0.08845567926764489},{"text":"You can imagine it is my yearly conversation with everybody, and I think maybe two out of every 100 end up doing it.","start":2206.675,"end":2214.01,"sentiment":"neutral","sentiment_score":-0.06457955714153207}],"sentiment":"neutral","sentiment_score":0.08777119467655818,"num_words":51,"start":2192.06,"end":2214.01},{"sentences":[{"text":"And, look, it's just that reminder.","start":2214.01,"end":2215.55,"sentiment":"neutral","sentiment_score":-0.008133443693319956},{"text":"Hey.","start":2215.77,"end":2216.27,"sentiment":"neutral","sentiment_score":0.01468033529818058},{"text":"If you can sort out a will as ideal, possibly a power of attorney, which is like, you know, if you're unable to act on your own behalf, health discussions, access bank accounts, and so on.","start":2216.33,"end":2228.765,"sentiment":"neutral","sentiment_score":0.013855358551760824},{"text":"If you're that way inclined, there are government approved will kits at the post office for about $25, but they're very, very simple and basic.","start":2229.7048,"end":2237.3801,"sentiment":"neutral","sentiment_score":0.007169260978698731},{"text":"Probably not good if you've got four properties to to work on.","start":2237.3801,"end":2240.6,"sentiment":"negative","sentiment_score":-0.3370986158649127}],"sentiment":"neutral","sentiment_score":-0.04251599106137292,"num_words":80,"start":2214.01,"end":2240.6},{"sentences":[{"text":"Yeah.","start":2247.3801,"end":2247.78,"sentiment":"neutral","sentiment_score":-0.01255958154797554},{"text":"Absolutely.","start":2247.78,"end":2248.28,"sentiment":"neutral","sentiment_score":0.017770545557141304},{"text":"Now I don't have any dependents for you guys.","start":2249.54,"end":2251.615,"sentiment":"neutral","sentiment_score":-0.04376594742967023},{"text":"So it's just yourself and and Anthony, I believe?","start":2251.615,"end":2254.195,"sentiment":"neutral","sentiment_score":0.03439018357959059},{"text":"Perfect.","start":2255.7751,"end":2256.2751,"sentiment":"positive","sentiment_score":0.43734830617904663}],"sentiment":"neutral","sentiment_score":0.017056066454166456,"num_words":21,"start":2247.3801,"end":2256.2751},{"sentences":[{"text":"Alright.","start":2256.5752,"end":2256.975,"sentiment":"neutral","sentiment_score":0.16482579708099365},{"text":"So property focus, bit of a tune up on the super.","start":2256.975,"end":2259.7751,"sentiment":"neutral","sentiment_score":0.09746070455929096},{"text":"We'll have a look for the income protection.","start":2259.7751,"end":2261.635,"sentiment":"neutral","sentiment_score":-0.014684992609545588},{"text":"I will note down that you're probably canceling the NRMA, and I'll update the projections based off of the new strategies as well.","start":2261.855,"end":2270.4802,"sentiment":"neutral","sentiment_score":-0.015687085202206737},{"text":"Alrighty.","start":2272.54,"end":2273.04,"sentiment":"neutral","sentiment_score":0.18752315640449524}],"sentiment":"neutral","sentiment_score":0.021503040979785674,"num_words":44,"start":2256.5752,"end":2273.04},{"sentences":[{"text":"The only other thing is the pack that I've sent you through.","start":2273.82,"end":2277.28,"sentiment":"neutral","sentiment_score":0.10349366224060456},{"text":"So have you ever used the the Odoo sign system before?","start":2277.9001,"end":2283.835,"sentiment":"neutral","sentiment_score":0.05271838402206248},{"text":"It is our kind of new one that we moved to over Christmas time.","start":2285.655,"end":2289.015,"sentiment":"neutral","sentiment_score":0.06743014869945389},{"text":"That's all.","start":2289.015,"end":2289.835,"sentiment":"neutral","sentiment_score":0.07109754160046577},{"text":"Yeah.","start":2292.6948,"end":2292.9348,"sentiment":"neutral","sentiment_score":0.07170575857162476}],"sentiment":"neutral","sentiment_score":0.07449372736737132,"num_words":40,"start":2273.82,"end":2292.9348},{"sentences":[{"text":"So it was it's very similar to DocuSign, but, basically, if you hit the the sign button, it'll bring up all of the documents.","start":2292.9348,"end":2299.66,"sentiment":"neutral","sentiment_score":0.07209044555202127},{"text":"And, basically, what ends up happening is you can scroll through each document, but there is some buttons to kind of skip through next document, next document, next document.","start":2300.1199,"end":2309.4067,"sentiment":"neutral","sentiment_score":0.061741979728484976},{"text":"Essentially, for your records, there's a summary of your accounts.","start":2309.4067,"end":2311.0732,"sentiment":"neutral","sentiment_score":0.13916870653629304},{"text":"There is a performance report.","start":2311.0732,"end":2317.4648,"sentiment":"neutral","sentiment_score":0.16174691319465637},{"text":"In red, there's a lovely Vanguard chart about how the markets go up and down and average out long term.","start":2318.565,"end":2324.265,"sentiment":"neutral","sentiment_score":0.17095650546252728}],"sentiment":"neutral","sentiment_score":0.10386636188592423,"num_words":88,"start":2292.9348,"end":2324.265},{"sentences":[{"text":"We've yeah.","start":2324.565,"end":2327.2798,"sentiment":"neutral","sentiment_score":0.029341774992644787},{"text":"So at the back, there is a couple of documents for signing.","start":2327.2798,"end":2330.4,"sentiment":"neutral","sentiment_score":0.0398320408227543},{"text":"So I wanna just quickly walk you through them.","start":2330.4,"end":2332.66,"sentiment":"neutral","sentiment_score":0.07953482907679346},{"text":"The service agree page seven.","start":2332.88,"end":2338.435,"sentiment":"neutral","sentiment_score":0.017389994859695435},{"text":"Okay.","start":2339.935,"end":2340.2551,"sentiment":"neutral","sentiment_score":0.02139238640666008}],"sentiment":"neutral","sentiment_score":0.04692496076740067,"num_words":29,"start":2324.565,"end":2340.2551},{"sentences":[{"text":"So that is the service agreement for us with Hub twenty four.","start":2340.2551,"end":2344.595,"sentiment":"neutral","sentiment_score":0.006158124965926011},{"text":"Now yourself and Anthony are on the partner fee discount of 1.1%, so that hasn't changed.","start":2345.215,"end":2351.075,"sentiment":"neutral","sentiment_score":0.08770358806941658},{"text":"The document after that one is a tax file number opt in.","start":2351.3699,"end":2355.0698,"sentiment":"neutral","sentiment_score":0.04770524830867847},{"text":"Now just with the cybersecurity issues, we just wanna make sure that everyone's comfortable for us to hold that number because it is so important rather than sitting in all these digital systems for the hackers and everyone else to have.","start":2355.3699,"end":2366.685,"sentiment":"neutral","sentiment_score":0.0022410606829131523},{"text":"Have.","start":2377.725,"end":2378.0452,"sentiment":"neutral","sentiment_score":-0.06606659293174744}],"sentiment":"neutral","sentiment_score":0.025310180286263546,"num_words":82,"start":2340.2551,"end":2378.0452},{"sentences":[{"text":"Yeah.","start":2378.0452,"end":2378.2852,"sentiment":"neutral","sentiment_score":-0.07736936211585999},{"text":"So there should be if you scroll down to the third page, it should have a signature and date box that you can kind of either the blue the purple buttons will bring you to there, or you can just tap on it with your finger.","start":2378.2852,"end":2400.135,"sentiment":"neutral","sentiment_score":0.03202689391479868},{"text":"And if that doesn't work, usually the purple buttons off to the side kind of bring you to the spot.","start":2400.675,"end":2406.455,"sentiment":"neutral","sentiment_score":-0.034679826069623235},{"text":"Okay.","start":2409.315,"end":2409.815,"sentiment":"neutral","sentiment_score":-0.008260740898549557},{"text":"No.","start":2411.6501,"end":2411.8901,"sentiment":"neutral","sentiment_score":-0.05947529524564743}],"sentiment":"neutral","sentiment_score":0.009196162325046633,"num_words":69,"start":2378.0452,"end":2411.8901},{"sentences":[{"text":"That's fine.","start":2411.8901,"end":2412.37,"sentiment":"neutral","sentiment_score":-0.02048606425523758},{"text":"Maybe easier on the computer there.","start":2412.37,"end":2414.1501,"sentiment":"neutral","sentiment_score":0.008109538350254297},{"text":"No.","start":2420.45,"end":2420.61,"sentiment":"neutral","sentiment_score":-0.03464154526591301},{"text":"That's okay.","start":2420.61,"end":2421.43,"sentiment":"neutral","sentiment_score":0.008205171674489975},{"text":"And the last one is just an authority form where we were going to just keep an eye on NRMA.","start":2424.05,"end":2431.625,"sentiment":"neutral","sentiment_score":0.02415800290182233}],"sentiment":"neutral","sentiment_score":0.015245611539050456,"num_words":31,"start":2411.8901,"end":2431.625},{"sentences":[{"text":"If you're okay to sign that one, we might just give them a call in a month's time just to see if it was canceled just so we can update the records as completed as part of implementation.","start":2432.885,"end":2442.36,"sentiment":"neutral","sentiment_score":0.040775993887923266},{"text":"Otherwise, I wouldn't bother worrying about contacting them and getting authority to speak to them, but it's nice for us to just be able to close that out and confirm it.","start":2444.02,"end":2452.035,"sentiment":"neutral","sentiment_score":0.10561095033922503},{"text":"Fair enough.","start":2459.555,"end":2460.375,"sentiment":"neutral","sentiment_score":0.06333644688129425},{"text":"When we go through our next discussion anyway in a couple of weeks' time, I will go through what we're doing with the portfolio and the outcome of the insurance research, and I'll give you a reminder then too as well.","start":2461.315,"end":2472.88,"sentiment":"neutral","sentiment_score":0.09960108913662957},{"text":"Amazing.","start":2474.86,"end":2475.36,"sentiment":"positive","sentiment_score":0.4448549747467041}],"sentiment":"neutral","sentiment_score":0.08388141372892181,"num_words":113,"start":2432.885,"end":2475.36},{"sentences":[{"text":"Well, thank you very much for your time this evening.","start":2475.5,"end":2477.5,"sentiment":"positive","sentiment_score":0.4765705347061157},{"text":"Is there anything I can do for you between now and that next discussion?","start":2477.5,"end":2484.1848,"sentiment":"neutral","sentiment_score":0.16607508968029702},{"text":"Cool.","start":2484.1848,"end":2484.6848,"sentiment":"neutral","sentiment_score":0.3011840879917145},{"text":"Always nice for the old health checkup, as they say.","start":2486.1848,"end":2488.6848,"sentiment":"neutral","sentiment_score":0.2556155130267143},{"text":"Would you like me to put in for any other kind of contact points?","start":2490.265,"end":2494.11,"sentiment":"neutral","sentiment_score":0.10940829664468765}],"sentiment":"neutral","sentiment_score":0.23428187701775102,"num_words":49,"start":2475.5,"end":2494.11},{"sentences":[{"text":"Normally, we do maybe quarterly, six monthly contact to see how everything's going, or would you prefer just to wait for the annual review?","start":2494.75,"end":2501.57,"sentiment":"neutral","sentiment_score":0.06667283441250522},{"text":"K.","start":2505.55,"end":2506.05,"sentiment":"neutral","sentiment_score":-0.16989819705486298},{"text":"Easy done.","start":2510.845,"end":2511.405,"sentiment":"positive","sentiment_score":0.5152620077133179},{"text":"I'll put in for the annual review.","start":2511.405,"end":2512.765,"sentiment":"neutral","sentiment_score":0.254472764475005},{"text":"We'll go through the updated strategy in a couple of weeks' time.","start":2512.765,"end":2515.885,"sentiment":"neutral","sentiment_score":0.21589932590723038}],"sentiment":"neutral","sentiment_score":0.14854076318442822,"num_words":46,"start":2494.75,"end":2515.885},{"sentences":[{"text":"And if anything else pops up, you're just a phone call away.","start":2515.885,"end":2518.56,"sentiment":"neutral","sentiment_score":0.16938060149550438},{"text":"No.","start":2523.84,"end":2524.08,"sentiment":"neutral","sentiment_score":-0.08390699326992035},{"text":"So the team will get in contact you once the research is complete, and then we'll kind of just book in a suitable time.","start":2524.08,"end":2532.7588,"sentiment":"neutral","sentiment_score":0.04795693807924787},{"text":"Amazing.","start":2532.7588,"end":2533.239,"sentiment":"positive","sentiment_score":0.7071261405944824},{"text":"Well, thank you so much for your time.","start":2533.239,"end":2534.859,"sentiment":"positive","sentiment_score":0.7837310805916786}],"sentiment":"neutral","sentiment_score":0.21905655486752157,"num_words":46,"start":2515.885,"end":2534.859},{"sentences":[{"text":"You too.","start":2537.479,"end":2537.959,"sentiment":"positive","sentiment_score":0.48531073331832886},{"text":"Thank you so much, Lucia.","start":2537.959,"end":2539.0989,"sentiment":"positive","sentiment_score":0.6217039704322815},{"text":"Bye.","start":2540.359,"end":2540.859,"sentiment":"neutral","sentiment_score":-0.10699258744716644}],"sentiment":"positive","sentiment_score":0.49651859141886234,"num_words":8,"start":2537.479,"end":2540.859}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? It it is cool over here too. It's doing well. Yes. Yes. Yes. Yes. We are. All the windows are shut. Yep. Yep. Yep. Yes, Hadi. Yep. Yep. Eighteenth of the eighth nineteen eighty two. Address is 10 Prince Street, Picnic Point, New South Wales 2213. No. I guess it's just more a health check. Are we tracking for the use? Just a yeah. I I I look into it. I see for every now and then I have a look. Probably had one question. People took me other I don't know, like, when we said all these stuff and we did all the research. I think it's it's the income protection. One of the insurances, we couldn't do through the super. So I do it separately through NRMA, But it's just I'm and I know so I catch you in too. If you don't have it, will you need it? Like like everything? Just from a cost. I just don't know what the value is it in it is. Yes. It's the life insurance. Sorry. It's the life insurance that I do through NRMA. The sickness and injury cover. Yeah. Okay. Yep. Okay. Yes. Yep. Yep. Not off the top of my head. I've just got for tax. They've sent me how much I paid for the year, and it just goes up. Yep. Yep. Oh, wow. Yep. Yep. Okay. Yes. Yes. It is. Yeah. Yep. Yes. Okay. Yep. No. I I'm thinking to cancel it. I think I think it was two years ago I got it, and I went, I just can't do this anymore. So I spoke to him and the salesman, he basically went, you've been with us for such a long time. We don't want you to lose it, so we lowered the value. So now I'm like yeah. I know. Like, they got me. And now I'm like, the tech the paperwork came, and I was like, I don't see value in it. And and like I said, it's very short period. For what you get, I don't know if there's value in it. But that's not where I look at. So that 6 months yeah. That's what I mean. And that that's not even close to what I'm making. So it's not even a life for life when you look at the income, I guess. So I just don't see any value in it. I just think it's better not having it and saving that $1,200 and putting that towards health insurance or whatever else that, you know, like, it can go towards the mortgage. Groceries, to be honest. Like yeah. That's right. Yeah. That's of course. Yep. Yep. Yep. And see, I'd rather do that. I've always got a cash buffer because that's just how I am. I'm, you know, a risk of it. So I've always got that there. And I just think yeah. Like you were saying, you gotta be more than a month. It's only for six months. The more I look at that, I don't see the value in it anymore. I don't see what I'm paying. So yeah. If I can't do it through the Superliver, then I think I'm just gonna end up canceling the NRMA one. Yeah. Yes. Okay. Yeah. Yeah. They were. It it was a health. Yes. Well, I would think so. Because I'll be honest, I don't remember the questions now, but I've been pretty good help for the past four or five years. I've had nothing made to happen. So because it's I think look. I can't remember what question they asked. I know I had a blood clot twenty twenty one. I think because I've had endometriosis that was active in there. That might have been one. They're really the only two that I can think of. My health medical. I don't have diabetes. I don't have a heart condition. I don't have blood pressure. So you have yeah. So no cholesterol. No. Yes. And the blood clot was from a medication. It wasn't from anything else. So it was like a reaction to a medication, which I've now been, you know, my trial, you know, allergic to this medication. Yep. I'm on Ozempic, the weight loss medication. That's it. From a prescription point of view. Yeah. Yes. Yep. Okay. Yeah. Okay. So no no surgery. It's just the weight loss. It's being my I don't know what my BMI is. I have to go online and find out. Okay. Yes. Yes. I haven't grown yet. Can I understand? Sure. People do shrink as I get older. The ninety one kilos. Okay. So that's yeah. The journey sort of started September last year. 101. It would depend. If you wanna go 24, I got 210. So it's on September last year. Yes. No. No. No. No. It's we've we've been very it's been very gradual working with a specialist. Yep. Mhmm. No. Probably maybe at the next thing you'll review, maybe we look at it. Do it with six months checking or something there. That's yep. Yep. Yep. That sounds good. Okay with that. Yes. Yep. So I pay that monthly at the moment. So that'll be no. Yep. Okay. No. I have to put in my job to see. My base rate is a 150 now though to that. So that's that's my base rate. The $1.25 is an old number. So the base rate now is $1.50. I did drop down for two months, and now I'm back up on the higher duty. Like I say, I had a I oh, it's been horrible two weeks. Been a horrible we don't wanna go there. Been lots of tears. It's not been great, but we're pushing along. Yeah. Like I said, I had a two month holiday when I went back for a little bit. So it's a growth and learning opportunity. I've learned a lot. Yeah. But it's been tough. Yeah. Yeah. Yeah. That's that's right. Yes. That's none of that you need to get. Yep. Yep. That's fine. Yeah. No. I don't wanna yeah. That's fine because I don't know. At the moment, I'm here for till December, but you don't know. So, yeah, I'd rather just use the bait. Don't you? Yep. Actually, I didn't need to do that yet. Probably push it out to sixty days. Yes. Sixty days. Yep. Yep. Yep. Yeah. I'm a take that. Yep. Probably not in the field. I did a bachelor of arts majoring linguistics, and then I did a master's in primary education. I've got three direct reports. Okay. Okay. Nope. Nope. That's all good. No. I'm happy to leave that alone. Good how it is. I don't know. I've had friends that have had candid lately or, you know, you sort of as you get older, you see different things. Yeah. It looks yeah. No. No. We'll cool late that one. Yep. Yes. Yes. You have three copies. It says decreased about a 110 at the moment. Not by much, but it has decreased. Yeah. Interest gone up, the more money comes out. There's about 9,000 in there now. It's just going in the background. I'm going to the account. Just give me a rough look. I'm not too sure. Picnic Point, where were two eighteen? No. Yep. Yes. I'd leave them all right there. Yes. Yep. Okay. So we have another investment property. When you said three properties, obviously, three investment properties not including the home we live in. So in January this year, we got another investment property. We did. We did. Everyone kept saying nothing will change. Nothing will change. Yep. So the loan we have is $6.80. Paperwork. We haven't done our taxes yet. I no. That's okay. I have the folder. I'll I'll still see. I'll give you a I'll give you the suburb because they're all big suburb that you've got at the moment. Yep. So this one is Kilmore, K I L M O R E, in Victoria. We have. Yes. Yes. We paid 600 for this one. What is the value that? It is. Yeah. If we use the buyer's agent and things, so we had a few extra cost. So yeah. So we borrowed everything rather than you having to use our savings. This is price. That was a purchase price. I don't know if it's valued. It must be very similar. Yeah. I'm just I don't I don't what's the question? 100,000. Yeah. Yep. Yep. We really gotta get rid of the mortgage on our house. We because we still got that $2.18. That's sort of what I said. Our focus for the next two to five years is really just let's get rid of this mortgage. That's that's my focus. Yes. Okay. I know I think I did talk to somebody about that because the extra went in. I don't think I think it would have been very close to the max that you could put in anyway, so we didn't add any extra. Yeah. Yeah. Yeah. Yeah. So I think depending if I end up in the same as either due at least to the current financial year, then there'll be nothing extra put in. So we cover. Yep. Yep. Yep. Yep. Yes. Okay. Yep. Okay. Yes. Yep. Okay. No. No. I'm not. Yep. Yes. That's it. Yep. Okay. Okay. Yep. Yes. Yep. No one. It still be in the growth portfolio though. I said it doesn't change. That's what I can okay. Okay. So then I'd probably go the higher fee. Okay. Yep. Okay. Okay. Sounds good. Yes. No. No question. Not at all. Let's forward. Yep. No. There's no slack about this. Yep. Yeah. No. I think we need to go sit with somebody and get one created. That that's correct. Yes. Yep. Yes. Yep. Yep. I just got it now open. And if I've used all these lines. Okay. Even had the other sign on it. We used the floor, of course. You did did they sign in? I'm on page seven. It's that consent to ongoing fee agreement up to me for. Have I missed okay. Yep. Yep. Yeah. Next. So do I need to sign that hub to sorry. That the that content to ongoing fee for hub 24, do I need to sign that page? So it says please sign below, but I can't click in there to sign. I'm on an iPad. Yes. Click. No. I think it won't let me do anything. Maybe it's the iPad. I'm gonna do wrong computer instead. I can't click in there. That's all. Yeah. It says declined to sign. I wanna decline to sign it. Yeah. I might run this. I'm gonna press the phone. I'll get back and say we can't well, I'll go I'll do I have to go on a computer then. Okay. So the text phone number. Okay. Oh, okay. Yep. Now that's yep. Now that's the one. Yep. Don't know if I'll get till by the end of the week, but it will be canceled. Yep. No. No. That was really good. Appreciate that checking. It helps checking. It is. Yes. Look, I'm happy for the annual review. I don't think everything seems to go okay. So that'd be you. Yep. Yep. Do we need to book an appointment for that updated strategy? Or what do we do? Okay. Yep. No problem. No problem. Thank you. You have a good evening. Okay. K. 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Good. How are you? It it is cool over here too. It's doing well.\n\nYes. Yes. Yes. Yes. We are.\n\nAll the windows are shut. Yep. Yep. Yep. Yes, Hadi.\n\nYep. Yep. Eighteenth of the eighth nineteen eighty two. Address is 10 Prince Street, Picnic Point, New South Wales 2213. No.\n\nI guess it's just more a health check. Are we tracking for the use? Just a yeah. I I I look into it. I see for every now and then I have a look.\n\nProbably had one question. People took me other I don't know, like, when we said all these stuff and we did all the research. I think it's it's the income protection. One of the insurances, we couldn't do through the super. So I do it separately through NRMA, But it's just I'm and I know so I catch you in too.\n\nIf you don't have it, will you need it? Like like everything? Just from a cost. I just don't know what the value is it in it is. Yes.\n\nIt's the life insurance. Sorry. It's the life insurance that I do through NRMA. The sickness and injury cover. Yeah.\n\nOkay. Yep. Okay. Yes. Yep.\n\nYep. Not off the top of my head. I've just got for tax. They've sent me how much I paid for the year, and it just goes up. Yep.\n\nYep. Oh, wow. Yep. Yep. Okay.\n\nYes. Yes. It is. Yeah. Yep.\n\nYes. Okay. Yep. No. I I'm thinking to cancel it.\n\nI think I think it was two years ago I got it, and I went, I just can't do this anymore. So I spoke to him and the salesman, he basically went, you've been with us for such a long time. We don't want you to lose it, so we lowered the value. So now I'm like yeah. I know.\n\nLike, they got me. And now I'm like, the tech the paperwork came, and I was like, I don't see value in it. And and like I said, it's very short period. For what you get, I don't know if there's value in it. But that's not where I look at.\n\nSo that 6 months yeah. That's what I mean. And that that's not even close to what I'm making. So it's not even a life for life when you look at the income, I guess. So I just don't see any value in it.\n\nI just think it's better not having it and saving that $1,200 and putting that towards health insurance or whatever else that, you know, like, it can go towards the mortgage. Groceries, to be honest. Like yeah. That's right. Yeah.\n\nThat's of course. Yep. Yep. Yep. And see, I'd rather do that.\n\nI've always got a cash buffer because that's just how I am. I'm, you know, a risk of it. So I've always got that there. And I just think yeah. Like you were saying, you gotta be more than a month.\n\nIt's only for six months. The more I look at that, I don't see the value in it anymore. I don't see what I'm paying. So yeah. If I can't do it through the Superliver, then I think I'm just gonna end up canceling the NRMA one.\n\nYeah. Yes. Okay. Yeah. Yeah.\n\nThey were. It it was a health. Yes. Well, I would think so. Because I'll be honest, I don't remember the questions now, but I've been pretty good help for the past four or five years.\n\nI've had nothing made to happen. So because it's I think look. I can't remember what question they asked. I know I had a blood clot twenty twenty one. I think because I've had endometriosis that was active in there.\n\nThat might have been one. They're really the only two that I can think of. My health medical. I don't have diabetes. I don't have a heart condition.\n\nI don't have blood pressure. So you have yeah. So no cholesterol. No. Yes.\n\nAnd the blood clot was from a medication. It wasn't from anything else. So it was like a reaction to a medication, which I've now been, you know, my trial, you know, allergic to this medication. Yep. I'm on Ozempic, the weight loss medication.\n\nThat's it. From a prescription point of view. Yeah. Yes. Yep.\n\nOkay. Yeah. Okay. So no no surgery. It's just the weight loss.\n\nIt's being my I don't know what my BMI is. I have to go online and find out. Okay. Yes. Yes.\n\nI haven't grown yet. Can I understand? Sure. People do shrink as I get older. The ninety one kilos.\n\nOkay. So that's yeah. The journey sort of started September last year. 101. It would depend.\n\nIf you wanna go 24, I got 210. So it's on September last year. Yes. No. No.\n\nNo. No. It's we've we've been very it's been very gradual working with a specialist. Yep. Mhmm.\n\nNo. Probably maybe at the next thing you'll review, maybe we look at it. Do it with six months checking or something there. That's yep. Yep.\n\nYep. That sounds good. Okay with that. Yes. Yep.\n\nSo I pay that monthly at the moment. So that'll be no. Yep. Okay. No.\n\nI have to put in my job to see. My base rate is a 150 now though to that. So that's that's my base rate. The $1.25 is an old number. So the base rate now is $1.50.\n\nI did drop down for two months, and now I'm back up on the higher duty. Like I say, I had a I oh, it's been horrible two weeks. Been a horrible we don't wanna go there. Been lots of tears. It's not been great, but we're pushing along.\n\nYeah. Like I said, I had a two month holiday when I went back for a little bit. So it's a growth and learning opportunity. I've learned a lot. Yeah.\n\nBut it's been tough. Yeah. Yeah. Yeah. That's that's right.\n\nYes. That's none of that you need to get. Yep. Yep. That's fine.\n\nYeah. No. I don't wanna yeah. That's fine because I don't know. At the moment, I'm here for till December, but you don't know.\n\nSo, yeah, I'd rather just use the bait. Don't you? Yep. Actually, I didn't need to do that yet. Probably push it out to sixty days.\n\nYes. Sixty days. Yep. Yep. Yep.\n\nYeah. I'm a take that. Yep. Probably not in the field. I did a bachelor of arts majoring linguistics, and then I did a master's in primary education.\n\nI've got three direct reports. Okay. Okay. Nope. Nope.\n\nThat's all good. No. I'm happy to leave that alone. Good how it is. I don't know.\n\nI've had friends that have had candid lately or, you know, you sort of as you get older, you see different things. Yeah. It looks yeah. No. No.\n\nWe'll cool late that one. Yep. Yes. Yes. You have three copies.\n\nIt says decreased about a 110 at the moment. Not by much, but it has decreased. Yeah. Interest gone up, the more money comes out. There's about 9,000 in there now.\n\nIt's just going in the background. I'm going to the account. Just give me a rough look. I'm not too sure. Picnic Point, where were two eighteen?\n\nNo. Yep. Yes. I'd leave them all right there. Yes.\n\nYep. Okay. So we have another investment property. When you said three properties, obviously, three investment properties not including the home we live in. So in January this year, we got another investment property.\n\nWe did. We did. Everyone kept saying nothing will change. Nothing will change. Yep.\n\nSo the loan we have is $6.80. Paperwork. We haven't done our taxes yet. I no. That's okay.\n\nI have the folder. I'll I'll still see. I'll give you a I'll give you the suburb because they're all big suburb that you've got at the moment. Yep. So this one is Kilmore, K I L M O R E, in Victoria.\n\nWe have. Yes. Yes. We paid 600 for this one. What is the value that?\n\nIt is. Yeah. If we use the buyer's agent and things, so we had a few extra cost. So yeah. So we borrowed everything rather than you having to use our savings.\n\nThis is price. That was a purchase price. I don't know if it's valued. It must be very similar. Yeah.\n\nI'm just I don't I don't what's the question? 100,000. Yeah. Yep. Yep.\n\nWe really gotta get rid of the mortgage on our house. We because we still got that $2.18. That's sort of what I said. Our focus for the next two to five years is really just let's get rid of this mortgage. That's that's my focus.\n\nYes. Okay. I know I think I did talk to somebody about that because the extra went in. I don't think I think it would have been very close to the max that you could put in anyway, so we didn't add any extra. Yeah.\n\nYeah. Yeah. Yeah. So I think depending if I end up in the same as either due at least to the current financial year, then there'll be nothing extra put in. So we cover.\n\nYep. Yep. Yep. Yep. Yes.\n\nOkay. Yep. Okay. Yes. Yep.\n\nOkay. No. No. I'm not. Yep.\n\nYes. That's it. Yep. Okay. Okay.\n\nYep. Yes. Yep. No one. It still be in the growth portfolio though.\n\nI said it doesn't change. That's what I can okay. Okay. So then I'd probably go the higher fee. Okay.\n\nYep. Okay. Okay. Sounds good. Yes.\n\nNo. No question. Not at all. Let's forward. Yep.\n\nNo. There's no slack about this. Yep. Yeah. No.\n\nI think we need to go sit with somebody and get one created. That that's correct. Yes. Yep. Yes.\n\nYep. Yep. I just got it now open. And if I've used all these lines. Okay.\n\nEven had the other sign on it. We used the floor, of course. You did did they sign in? I'm on page seven. It's that consent to ongoing fee agreement up to me for.\n\nHave I missed okay. Yep. Yep. Yeah. Next.\n\nSo do I need to sign that hub to sorry. That the that content to ongoing fee for hub 24, do I need to sign that page? So it says please sign below, but I can't click in there to sign. I'm on an iPad. Yes.\n\nClick. No. I think it won't let me do anything. Maybe it's the iPad. I'm gonna do wrong computer instead.\n\nI can't click in there. That's all. Yeah. It says declined to sign. I wanna decline to sign it.\n\nYeah. I might run this. I'm gonna press the phone. I'll get back and say we can't well, I'll go I'll do I have to go on a computer then. Okay.\n\nSo the text phone number. Okay. Oh, okay. Yep. Now that's yep.\n\nNow that's the one. Yep. Don't know if I'll get till by the end of the week, but it will be canceled. Yep. No.\n\nNo. That was really good. Appreciate that checking. It helps checking. It is.\n\nYes. Look, I'm happy for the annual review. I don't think everything seems to go okay. So that'd be you. Yep.\n\nYep. Do we need to book an appointment for that updated strategy? Or what do we do? Okay. Yep.\n\nNo problem. No problem. Thank you. You have a good evening. Okay.\n\nK. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03656516224145889},{"text":"Good.","start":6.96,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.2602044343948364},{"text":"How are you?","start":7.2799997,"end":8.02,"sentiment":"neutral","sentiment_score":0.18560966352621713},{"text":"It it is cool over here too.","start":13.315,"end":15.415,"sentiment":"neutral","sentiment_score":0.304032210792814},{"text":"It's doing well.","start":16.035,"end":16.994999,"sentiment":"neutral","sentiment_score":0.26682718098163605}],"sentiment":"neutral","sentiment_score":0.2521537070473035,"num_words":15,"start":0.64,"end":16.994999},{"sentences":[{"text":"Yes.","start":16.994999,"end":17.494999,"sentiment":"neutral","sentiment_score":-0.011135310865938663},{"text":"Yes.","start":19.074999,"end":19.235,"sentiment":"neutral","sentiment_score":0.025616157799959183},{"text":"Yes.","start":19.235,"end":19.735,"sentiment":"neutral","sentiment_score":0.06260111182928085},{"text":"Yes.","start":22.035,"end":22.275,"sentiment":"neutral","sentiment_score":0.09838405251502992},{"text":"We are.","start":22.275,"end":23.015,"sentiment":"neutral","sentiment_score":0.14858631789684296}],"sentiment":"neutral","sentiment_score":0.0787731078453362,"num_words":6,"start":16.994999,"end":23.015},{"sentences":[{"text":"All the windows are shut.","start":23.555,"end":25.015,"sentiment":"neutral","sentiment_score":0.10545092225074768},{"text":"Yep.","start":28.779999,"end":29.279999,"sentiment":"neutral","sentiment_score":0.2358447015285492},{"text":"Yep.","start":31.019999,"end":31.519999,"sentiment":"neutral","sentiment_score":0.09485342353582382},{"text":"Yep.","start":35.34,"end":35.84,"sentiment":"neutral","sentiment_score":0.013816721737384796},{"text":"Yes, Hadi.","start":36.379997,"end":37.199997,"sentiment":"neutral","sentiment_score":0.09139404818415642}],"sentiment":"neutral","sentiment_score":0.10545575544238091,"num_words":10,"start":23.555,"end":37.199997},{"sentences":[{"text":"Yep.","start":42.575,"end":43.075,"sentiment":"neutral","sentiment_score":0.04197924584150314},{"text":"Yep.","start":48.335,"end":48.735,"sentiment":"neutral","sentiment_score":0.014086569659411907},{"text":"Eighteenth of the eighth nineteen eighty two.","start":48.735,"end":51.075,"sentiment":"neutral","sentiment_score":0.02158532650875194},{"text":"Address is 10 Prince Street, Picnic Point, New South Wales 2213.","start":51.215,"end":55.44,"sentiment":"neutral","sentiment_score":0.03132382373918186},{"text":"No.","start":70.855,"end":70.975006,"sentiment":"neutral","sentiment_score":-0.0450313538312912}],"sentiment":"neutral","sentiment_score":0.02412827658866133,"num_words":21,"start":42.575,"end":70.975006},{"sentences":[{"text":"I guess it's just more a health check.","start":70.975006,"end":72.854996,"sentiment":"neutral","sentiment_score":-0.04218384134583175},{"text":"Are we tracking for the use?","start":72.854996,"end":74.475,"sentiment":"neutral","sentiment_score":-0.015153188413629929},{"text":"Just a yeah.","start":76.375,"end":77.575,"sentiment":"neutral","sentiment_score":-0.0011456102753678958},{"text":"I I I look into it.","start":77.575,"end":79.495,"sentiment":"neutral","sentiment_score":0.00031014671549201017},{"text":"I see for every now and then I have a look.","start":79.495,"end":81.495,"sentiment":"neutral","sentiment_score":-0.0007360785014250062}],"sentiment":"neutral","sentiment_score":-0.012884196332272361,"num_words":34,"start":70.975006,"end":81.495},{"sentences":[{"text":"Probably had one question.","start":81.495,"end":83.435,"sentiment":"neutral","sentiment_score":-0.0260561709292233},{"text":"People took me other I don't know, like, when we said all these stuff and we did all the research.","start":84.62,"end":89.340004,"sentiment":"neutral","sentiment_score":-0.0475850373506546},{"text":"I think it's it's the income protection.","start":89.340004,"end":91.82,"sentiment":"neutral","sentiment_score":-0.03412395077092307},{"text":"One of the insurances, we couldn't do through the super.","start":91.82,"end":95.82,"sentiment":"neutral","sentiment_score":-0.03961464744061231},{"text":"So I do it separately through NRMA, But it's just I'm and I know so I catch you in too.","start":95.82,"end":103.275,"sentiment":"neutral","sentiment_score":-0.007644387451000512}],"sentiment":"neutral","sentiment_score":-0.03022667720578,"num_words":61,"start":81.495,"end":103.275},{"sentences":[{"text":"If you don't have it, will you need it?","start":103.275,"end":105.435005,"sentiment":"neutral","sentiment_score":-0.06013876779211892},{"text":"Like like everything?","start":105.435005,"end":106.495,"sentiment":"neutral","sentiment_score":-0.04405174901088079},{"text":"Just from a cost.","start":107.115005,"end":108.155,"sentiment":"neutral","sentiment_score":-0.09191460907459259},{"text":"I just don't know what the value is it in it is.","start":108.155,"end":111.295,"sentiment":"neutral","sentiment_score":-0.15927548644443354},{"text":"Yes.","start":119.01,"end":119.33,"sentiment":"neutral","sentiment_score":0.17309866845607758}],"sentiment":"neutral","sentiment_score":-0.09583688835645544,"num_words":29,"start":103.275,"end":119.33},{"sentences":[{"text":"It's the life insurance.","start":119.33,"end":120.549995,"sentiment":"neutral","sentiment_score":0.10171433910727501},{"text":"Sorry.","start":120.61,"end":120.77,"sentiment":"neutral","sentiment_score":-0.013436578214168549},{"text":"It's the life insurance that I do through NRMA.","start":120.77,"end":123.11,"sentiment":"neutral","sentiment_score":0.010791422695749335},{"text":"The sickness and injury cover.","start":123.729996,"end":125.67,"sentiment":"neutral","sentiment_score":-0.021296723932027816},{"text":"Yeah.","start":129.205,"end":129.705,"sentiment":"neutral","sentiment_score":0.021123116835951805}],"sentiment":"neutral","sentiment_score":0.02025915398262441,"num_words":20,"start":119.33,"end":129.705},{"sentences":[{"text":"Okay.","start":143.73999,"end":144.14,"sentiment":"neutral","sentiment_score":-0.013571596704423428},{"text":"Yep.","start":144.14,"end":144.64,"sentiment":"neutral","sentiment_score":-0.028682947158813477},{"text":"Okay.","start":150.78,"end":151.28,"sentiment":"neutral","sentiment_score":0.032716844230890274},{"text":"Yes.","start":156.37999,"end":156.87999,"sentiment":"neutral","sentiment_score":0.10524635016918182},{"text":"Yep.","start":173.48001,"end":173.98001,"sentiment":"neutral","sentiment_score":0.044027313590049744}],"sentiment":"neutral","sentiment_score":0.027947192825376988,"num_words":5,"start":143.73999,"end":173.98001},{"sentences":[{"text":"Yep.","start":182.12001,"end":182.62001,"sentiment":"neutral","sentiment_score":0.11481703817844392},{"text":"Not off the top of my head.","start":195.335,"end":196.455,"sentiment":"neutral","sentiment_score":-0.007057962406958852},{"text":"I've just got for tax.","start":196.455,"end":197.52,"sentiment":"neutral","sentiment_score":0.03243063949048519},{"text":"They've sent me how much I paid for the year, and it just goes up.","start":197.52,"end":202.18001,"sentiment":"neutral","sentiment_score":0.13066009717682997},{"text":"Yep.","start":210.10501,"end":210.60501,"sentiment":"neutral","sentiment_score":0.02324798703193665}],"sentiment":"neutral","sentiment_score":0.0762315152919498,"num_words":29,"start":182.12001,"end":210.60501},{"sentences":[{"text":"Yep.","start":217.545,"end":218.045,"sentiment":"neutral","sentiment_score":0.03664597496390343},{"text":"Oh, wow.","start":222.51,"end":223.48999,"sentiment":"neutral","sentiment_score":-0.005537981633096933},{"text":"Yep.","start":231.23,"end":231.73,"sentiment":"neutral","sentiment_score":0.05077241361141205},{"text":"Yep.","start":245.865,"end":246.365,"sentiment":"neutral","sentiment_score":-0.011279219761490822},{"text":"Okay.","start":250.81,"end":251.31,"sentiment":"neutral","sentiment_score":0.13872680068016052}],"sentiment":"neutral","sentiment_score":0.033965001037965216,"num_words":6,"start":217.545,"end":251.31},{"sentences":[{"text":"Yes.","start":270.93503,"end":271.43503,"sentiment":"neutral","sentiment_score":-0.030527940019965172},{"text":"Yes.","start":273.015,"end":273.33502,"sentiment":"neutral","sentiment_score":0.2131313532590866},{"text":"It is.","start":273.33502,"end":273.815,"sentiment":"neutral","sentiment_score":0.23151274025440216},{"text":"Yeah.","start":273.815,"end":274.315,"sentiment":"neutral","sentiment_score":0.2582240700721741},{"text":"Yep.","start":291.345,"end":291.845,"sentiment":"neutral","sentiment_score":0.15452313423156738}],"sentiment":"neutral","sentiment_score":0.17639601634194454,"num_words":6,"start":270.93503,"end":291.845},{"sentences":[{"text":"Yes.","start":299.345,"end":299.845,"sentiment":"neutral","sentiment_score":0.0960899218916893},{"text":"Okay.","start":324.03497,"end":324.53497,"sentiment":"neutral","sentiment_score":0.002957809716463089},{"text":"Yep.","start":333.4,"end":333.9,"sentiment":"neutral","sentiment_score":0.0007013268768787384},{"text":"No.","start":340.91998,"end":341.08,"sentiment":"neutral","sentiment_score":-0.2719014883041382},{"text":"I I'm thinking to cancel it.","start":341.08,"end":342.775,"sentiment":"neutral","sentiment_score":-0.30665942033131915}],"sentiment":"neutral","sentiment_score":-0.2012108951807022,"num_words":10,"start":299.345,"end":342.775},{"sentences":[{"text":"I think I think it was two years ago I got it, and I went, I just can't do this anymore.","start":342.775,"end":347.415,"sentiment":"neutral","sentiment_score":-0.2417439924819129},{"text":"So I spoke to him and the salesman, he basically went, you've been with us for such a long time.","start":347.415,"end":353.815,"sentiment":"neutral","sentiment_score":-0.14528344981372357},{"text":"We don't want you to lose it, so we lowered the value.","start":353.815,"end":356.39502,"sentiment":"neutral","sentiment_score":-0.3255675286054611},{"text":"So now I'm like yeah.","start":356.91,"end":358.93,"sentiment":"neutral","sentiment_score":-0.24331986904144287},{"text":"I know.","start":358.99,"end":359.55,"sentiment":"neutral","sentiment_score":-0.201307974755764}],"sentiment":"neutral","sentiment_score":-0.22513864127298197,"num_words":60,"start":342.775,"end":359.55},{"sentences":[{"text":"Like, they got me.","start":359.55,"end":360.59,"sentiment":"neutral","sentiment_score":-0.21947608515620232},{"text":"And now I'm like, the tech the paperwork came, and I was like, I don't see value in it.","start":360.59,"end":366.50998,"sentiment":"neutral","sentiment_score":-0.28925249137376485},{"text":"And and like I said, it's very short period.","start":366.50998,"end":368.69,"sentiment":"neutral","sentiment_score":-0.1950483446319898},{"text":"For what you get, I don't know if there's value in it.","start":368.985,"end":371.725,"sentiment":"neutral","sentiment_score":-0.13500319172938666},{"text":"But that's not where I look 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right.","start":403.905,"end":404.645,"sentiment":"neutral","sentiment_score":-0.13433410972356796},{"text":"Yeah.","start":408.465,"end":408.965,"sentiment":"neutral","sentiment_score":-0.16647830605506897}],"sentiment":"neutral","sentiment_score":-0.23552931733429433,"num_words":40,"start":388.32,"end":408.965},{"sentences":[{"text":"That's of course.","start":410.065,"end":411.125,"sentiment":"neutral","sentiment_score":-0.25134122371673584},{"text":"Yep.","start":412.01,"end":412.51,"sentiment":"neutral","sentiment_score":-0.04046241194009781},{"text":"Yep.","start":430.285,"end":430.365,"sentiment":"neutral","sentiment_score":0.016383346170186996},{"text":"Yep.","start":430.365,"end":430.865,"sentiment":"neutral","sentiment_score":0.0011803905945271254},{"text":"And see, I'd rather do that.","start":431.085,"end":432.60498,"sentiment":"neutral","sentiment_score":-0.06496462598443031}],"sentiment":"neutral","sentiment_score":-0.09722584185268109,"num_words":12,"start":410.065,"end":432.60498},{"sentences":[{"text":"I've always got a cash buffer because that's just how I am.","start":432.60498,"end":435.085,"sentiment":"neutral","sentiment_score":-0.11587125808000565},{"text":"I'm, you know, a risk of it.","start":435.085,"end":437.00497,"sentiment":"neutral","sentiment_score":-0.24241832324436732},{"text":"So I've always got that there.","start":437.00497,"end":438.705,"sentiment":"neutral","sentiment_score":-0.10943660015861194},{"text":"And I just think yeah.","start":439.74002,"end":441.02002,"sentiment":"neutral","sentiment_score":-0.1543860301375389},{"text":"Like you were saying, you gotta be more than a 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now.","start":1300.875,"end":1302.9751,"sentiment":"neutral","sentiment_score":0.043876106229921184}],"sentiment":"neutral","sentiment_score":-0.03020490826137604,"num_words":31,"start":1284.65,"end":1302.9751},{"sentences":[{"text":"It's just going in the background.","start":1308.65,"end":1310.28,"sentiment":"neutral","sentiment_score":0.018592182134549756},{"text":"I'm going to the account.","start":1323.825,"end":1325.0249,"sentiment":"neutral","sentiment_score":0.03748230412602425},{"text":"Just give me a rough look.","start":1325.0249,"end":1326.5449,"sentiment":"neutral","sentiment_score":0.0359053664530317},{"text":"I'm not too sure.","start":1326.5449,"end":1328.005,"sentiment":"neutral","sentiment_score":-0.16433361172676086},{"text":"Picnic Point, where were two 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there.","start":1365.49,"end":1367.0299,"sentiment":"neutral","sentiment_score":0.12909524515271187},{"text":"Yes.","start":1369.97,"end":1370.47,"sentiment":"neutral","sentiment_score":0.09046582877635956}],"sentiment":"neutral","sentiment_score":0.09184140972793102,"num_words":10,"start":1354.045,"end":1370.47},{"sentences":[{"text":"Yep.","start":1371.25,"end":1371.75,"sentiment":"neutral","sentiment_score":0.1082932874560356},{"text":"Okay.","start":1374.6549,"end":1374.975,"sentiment":"neutral","sentiment_score":0.003410506062209606},{"text":"So we have another investment property.","start":1374.975,"end":1376.895,"sentiment":"neutral","sentiment_score":0.002460799335191647},{"text":"When you said three properties, obviously, three investment properties not including the home we live in.","start":1376.895,"end":1381.5349,"sentiment":"neutral","sentiment_score":-0.0038615146768279374},{"text":"So in January this year, we got another investment 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$6.80.","start":1408.775,"end":1414.475,"sentiment":"neutral","sentiment_score":0.016909430601767132},{"text":"Paperwork.","start":1421.13,"end":1421.63,"sentiment":"neutral","sentiment_score":0.09780075401067734},{"text":"We haven't done our taxes yet.","start":1424.5701,"end":1426.27,"sentiment":"neutral","sentiment_score":0.0038797987314562},{"text":"I no.","start":1431.13,"end":1431.6101,"sentiment":"neutral","sentiment_score":-0.05953945964574814},{"text":"That's okay.","start":1431.6101,"end":1432.43,"sentiment":"neutral","sentiment_score":-0.01203838735818863}],"sentiment":"neutral","sentiment_score":0.005349437033550607,"num_words":18,"start":1408.775,"end":1432.43},{"sentences":[{"text":"I have the folder.","start":1439.445,"end":1440.345,"sentiment":"neutral","sentiment_score":0.016254723072052002},{"text":"I'll I'll still see.","start":1442.245,"end":1443.3049,"sentiment":"neutral","sentiment_score":0.006081683095544577},{"text":"I'll give you a I'll give you the suburb because they're all big suburb that you've got at the moment.","start":1445.48,"end":1450.7001,"sentiment":"neutral","sentiment_score":0.017064953711815177},{"text":"Yep.","start":1452.92,"end":1453.16,"sentiment":"neutral","sentiment_score":0.058323681354522705},{"text":"So this one is Kilmore, K I L M O R E, in Victoria.","start":1453.16,"end":1460.4601,"sentiment":"neutral","sentiment_score":0.06268500377024923}],"sentiment":"neutral","sentiment_score":0.03178042867545818,"num_words":43,"start":1439.445,"end":1460.4601},{"sentences":[{"text":"We have.","start":1465.095,"end":1465.495,"sentiment":"neutral","sentiment_score":0.06944765150547028},{"text":"Yes.","start":1465.495,"end":1465.995,"sentiment":"neutral","sentiment_score":0.16711825132369995},{"text":"Yes.","start":1466.055,"end":1466.555,"sentiment":"neutral","sentiment_score":0.2852735221385956},{"text":"We paid 600 for this one.","start":1477.91,"end":1480.97,"sentiment":"positive","sentiment_score":0.4034129778544108},{"text":"What is the value that?","start":1483.99,"end":1485.4501,"sentiment":"neutral","sentiment_score":-0.02283520922064781}],"sentiment":"neutral","sentiment_score":0.1931725931664308,"num_words":15,"start":1465.095,"end":1485.4501},{"sentences":[{"text":"It is.","start":1485.75,"end":1486.23,"sentiment":"neutral","sentiment_score":0.025994090363383293},{"text":"Yeah.","start":1486.23,"end":1486.73,"sentiment":"neutral","sentiment_score":0.05040682107210159},{"text":"If we use the buyer's agent and things, so we had a few extra cost.","start":1492.515,"end":1496.135,"sentiment":"neutral","sentiment_score":0.00868207576374213},{"text":"So yeah.","start":1496.835,"end":1497.655,"sentiment":"neutral","sentiment_score":0.013468638062477112},{"text":"So we borrowed everything rather than you having to use our savings.","start":1497.715,"end":1500.695,"sentiment":"neutral","sentiment_score":0.04926675402869781}],"sentiment":"neutral","sentiment_score":0.02658638946013525,"num_words":32,"start":1485.75,"end":1500.695},{"sentences":[{"text":"This is price.","start":1507.0701,"end":1507.9501,"sentiment":"positive","sentiment_score":0.49328896403312683},{"text":"That was a purchase price.","start":1507.9501,"end":1509.31,"sentiment":"positive","sentiment_score":0.40856634378433226},{"text":"I don't know if it's valued.","start":1509.31,"end":1510.61,"sentiment":"neutral","sentiment_score":0.014834552071988583},{"text":"It must be very similar.","start":1511.0701,"end":1512.53,"sentiment":"neutral","sentiment_score":0.06945095583796501},{"text":"Yeah.","start":1539.5,"end":1539.98,"sentiment":"neutral","sentiment_score":-0.010861271992325785}],"sentiment":"neutral","sentiment_score":0.19740497153252362,"num_words":20,"start":1507.0701,"end":1539.98},{"sentences":[{"text":"I'm just I don't I don't what's the question?","start":1539.98,"end":1542.38,"sentiment":"neutral","sentiment_score":-0.08938596563206778},{"text":"100,000.","start":1542.38,"end":1543.2,"sentiment":"neutral","sentiment_score":-0.004417269490659237},{"text":"Yeah.","start":1545.02,"end":1545.52,"sentiment":"neutral","sentiment_score":0.03234466165304184},{"text":"Yep.","start":1556.505,"end":1557.005,"sentiment":"neutral","sentiment_score":0.1119200736284256},{"text":"Yep.","start":1576.26,"end":1576.76,"sentiment":"neutral","sentiment_score":0.0324101597070694}],"sentiment":"neutral","sentiment_score":-0.04863200501467173,"num_words":13,"start":1539.98,"end":1576.76},{"sentences":[{"text":"We really gotta get rid of the mortgage on our house.","start":1584.705,"end":1587.1849,"sentiment":"neutral","sentiment_score":-0.21469060399315573},{"text":"We because we still got that $2.18.","start":1587.1849,"end":1589.205,"sentiment":"neutral","sentiment_score":-0.11517866913761411},{"text":"That's sort of what I said.","start":1589.345,"end":1590.625,"sentiment":"neutral","sentiment_score":-0.06200576697786649},{"text":"Our focus for the next two to five years is really just let's get rid of this mortgage.","start":1590.625,"end":1595.03,"sentiment":"neutral","sentiment_score":-0.06969414589305718},{"text":"That's that's my focus.","start":1595.03,"end":1597.53,"sentiment":"neutral","sentiment_score":0.06207070779055357}],"sentiment":"neutral","sentiment_score":-0.09882812444930492,"num_words":46,"start":1584.705,"end":1597.53},{"sentences":[{"text":"Yes.","start":1611.605,"end":1612.105,"sentiment":"neutral","sentiment_score":0.054661743342876434},{"text":"Okay.","start":1621.12,"end":1621.5199,"sentiment":"neutral","sentiment_score":0.01465403474867344},{"text":"I know I think I did talk to somebody about that because the extra went in.","start":1621.5199,"end":1626.0,"sentiment":"neutral","sentiment_score":-0.0376695494633168},{"text":"I don't think I think it would have been very close to the max that you could put in anyway, so we didn't add any extra.","start":1626.0,"end":1632.0199,"sentiment":"neutral","sentiment_score":-0.2256222923214619},{"text":"Yeah.","start":1632.805,"end":1633.305,"sentiment":"neutral","sentiment_score":0.017945244908332825}],"sentiment":"neutral","sentiment_score":-0.14181403041713767,"num_words":45,"start":1611.605,"end":1633.305},{"sentences":[{"text":"Yeah.","start":1635.765,"end":1636.265,"sentiment":"neutral","sentiment_score":0.05020317807793617},{"text":"Yeah.","start":1638.365,"end":1638.865,"sentiment":"neutral","sentiment_score":0.0705033540725708},{"text":"Yeah.","start":1640.9651,"end":1641.285,"sentiment":"neutral","sentiment_score":0.0808003842830658},{"text":"So I think depending if I end up in the same as either due at least to the current financial year, then there'll be nothing extra put in.","start":1641.285,"end":1648.14,"sentiment":"neutral","sentiment_score":0.05772546838436808},{"text":"So we 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correct.","start":2253.805,"end":2254.765,"sentiment":"neutral","sentiment_score":0.09090930471817653},{"text":"Yes.","start":2254.765,"end":2255.265,"sentiment":"neutral","sentiment_score":0.2334151268005371},{"text":"Yep.","start":2264.58,"end":2265.08,"sentiment":"neutral","sentiment_score":-0.0284152589738369},{"text":"Yes.","start":2265.2202,"end":2265.7202,"sentiment":"neutral","sentiment_score":0.05831056460738182}],"sentiment":"neutral","sentiment_score":-0.1027747600486404,"num_words":19,"start":2241.1099,"end":2265.7202},{"sentences":[{"text":"Yep.","start":2272.26,"end":2272.76,"sentiment":"neutral","sentiment_score":0.08438732475042343},{"text":"Yep.","start":2277.525,"end":2277.8447,"sentiment":"neutral","sentiment_score":0.12935613095760343},{"text":"I just got it now open.","start":2277.8447,"end":2279.7048,"sentiment":"neutral","sentiment_score":0.21974860380093256},{"text":"And if I've used all these 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for.","start":2334.615,"end":2339.595,"sentiment":"neutral","sentiment_score":0.01925875466655601}],"sentiment":"neutral","sentiment_score":0.017706642420414614,"num_words":34,"start":2289.9,"end":2339.595},{"sentences":[{"text":"Have I missed okay.","start":2339.895,"end":2343.195,"sentiment":"neutral","sentiment_score":-0.000958599615842104},{"text":"Yep.","start":2344.375,"end":2344.875,"sentiment":"neutral","sentiment_score":0.07150048017501831},{"text":"Yep.","start":2349.41,"end":2349.91,"sentiment":"neutral","sentiment_score":0.05907607078552246},{"text":"Yeah.","start":2364.5051,"end":2365.0051,"sentiment":"neutral","sentiment_score":-0.08194723725318909},{"text":"Next.","start":2367.865,"end":2368.365,"sentiment":"neutral","sentiment_score":-0.02113652415573597}],"sentiment":"neutral","sentiment_score":0.0029572988860309124,"num_words":8,"start":2339.895,"end":2368.365},{"sentences":[{"text":"So do I need to sign that hub to sorry.","start":2368.385,"end":2370.985,"sentiment":"neutral","sentiment_score":-0.07900437749922276},{"text":"That the that content to ongoing fee for hub 24, do I need to sign that page?","start":2370.985,"end":2377.405,"sentiment":"neutral","sentiment_score":-0.06611294978681732},{"text":"So it says please sign below, but I can't click in there to sign.","start":2377.8398,"end":2381.3,"sentiment":"neutral","sentiment_score":-0.18412878417543002},{"text":"I'm on an iPad.","start":2382.0798,"end":2383.22,"sentiment":"neutral","sentiment_score":0.008621433633379638},{"text":"Yes.","start":2385.68,"end":2386.18,"sentiment":"neutral","sentiment_score":0.09566020965576172}],"sentiment":"neutral","sentiment_score":-0.09481784686162743,"num_words":46,"start":2368.385,"end":2386.18},{"sentences":[{"text":"Click.","start":2395.315,"end":2395.395,"sentiment":"neutral","sentiment_score":0.014154009521007538},{"text":"No.","start":2395.395,"end":2395.555,"sentiment":"neutral","sentiment_score":-0.2886101007461548},{"text":"I think it won't let me do anything.","start":2395.555,"end":2396.9949,"sentiment":"negative","sentiment_score":-0.39618777483701706},{"text":"Maybe it's the iPad.","start":2396.9949,"end":2397.9548,"sentiment":"neutral","sentiment_score":-0.2252775989472866},{"text":"I'm gonna do wrong computer instead.","start":2397.9548,"end":2399.575,"sentiment":"neutral","sentiment_score":-0.2127032329638799}],"sentiment":"neutral","sentiment_score":-0.2810644041746855,"num_words":20,"start":2395.315,"end":2399.575},{"sentences":[{"text":"I can't click in there.","start":2400.755,"end":2401.875,"sentiment":"neutral","sentiment_score":-0.10954525023698806},{"text":"That's all.","start":2401.875,"end":2402.615,"sentiment":"neutral","sentiment_score":-0.034694341011345387},{"text":"Yeah.","start":2406.5999,"end":2406.8398,"sentiment":"neutral","sentiment_score":-0.0144475307315588},{"text":"It says declined to sign.","start":2406.8398,"end":2408.38,"sentiment":"neutral","sentiment_score":-0.04168004468083382},{"text":"I wanna decline to sign it.","start":2408.44,"end":2410.38,"sentiment":"neutral","sentiment_score":-0.022915305569767952}],"sentiment":"neutral","sentiment_score":-0.051444974776945616,"num_words":19,"start":2400.755,"end":2410.38},{"sentences":[{"text":"Yeah.","start":2413.5598,"end":2413.88,"sentiment":"neutral","sentiment_score":0.009466975927352904},{"text":"I might run this.","start":2413.88,"end":2414.76,"sentiment":"neutral","sentiment_score":0.0058381385169923306},{"text":"I'm gonna press the phone.","start":2414.76,"end":2415.7998,"sentiment":"neutral","sentiment_score":-0.002438151370733976},{"text":"I'll get back and say we can't well, I'll go I'll do I have to go on a computer then.","start":2415.7998,"end":2420.0598,"sentiment":"neutral","sentiment_score":-0.06920317634940147},{"text":"Okay.","start":2420.4248,"end":2420.7449,"sentiment":"neutral","sentiment_score":-0.01779063418507576}],"sentiment":"neutral","sentiment_score":-0.04455565767843397,"num_words":31,"start":2413.5598,"end":2420.7449},{"sentences":[{"text":"So the text phone number.","start":2420.7449,"end":2423.085,"sentiment":"neutral","sentiment_score":0.025489452853798868},{"text":"Okay.","start":2432.9048,"end":2433.4048,"sentiment":"neutral","sentiment_score":0.05572403222322464},{"text":"Oh, okay.","start":2440.68,"end":2441.24,"sentiment":"neutral","sentiment_score":0.06940311938524246},{"text":"Yep.","start":2441.24,"end":2441.72,"sentiment":"neutral","sentiment_score":0.061748187988996506},{"text":"Now that's yep.","start":2441.72,"end":2443.48,"sentiment":"neutral","sentiment_score":0.05883029227455457}],"sentiment":"neutral","sentiment_score":0.04668471667294701,"num_words":12,"start":2420.7449,"end":2443.48},{"sentences":[{"text":"Now that's the one.","start":2443.48,"end":2444.79,"sentiment":"neutral","sentiment_score":0.025936733465641737},{"text":"Yep.","start":2452.085,"end":2452.585,"sentiment":"neutral","sentiment_score":0.03490535169839859},{"text":"Don't know if I'll get till by the end of the week, but it will be canceled.","start":2455.285,"end":2457.945,"sentiment":"neutral","sentiment_score":-0.04029550091089571},{"text":"Yep.","start":2470.7102,"end":2471.2102,"sentiment":"neutral","sentiment_score":0.10110010951757432},{"text":"No.","start":2481.3252,"end":2481.645,"sentiment":"neutral","sentiment_score":0.02300422638654709}],"sentiment":"neutral","sentiment_score":-0.01759445391750584,"num_words":24,"start":2443.48,"end":2481.645},{"sentences":[{"text":"No.","start":2481.645,"end":2482.145,"sentiment":"neutral","sentiment_score":0.023807618767023087},{"text":"That was really good.","start":2482.2852,"end":2483.5051,"sentiment":"neutral","sentiment_score":0.2595842443406582},{"text":"Appreciate that checking.","start":2483.5652,"end":2484.705,"sentiment":"neutral","sentiment_score":0.2938569237788518},{"text":"It helps checking.","start":2485.405,"end":2486.465,"sentiment":"neutral","sentiment_score":0.237764040629069},{"text":"It is.","start":2487.93,"end":2489.29,"sentiment":"neutral","sentiment_score":0.08525033853948116}],"sentiment":"neutral","sentiment_score":0.2175006281871062,"num_words":13,"start":2481.645,"end":2489.29},{"sentences":[{"text":"Yes.","start":2489.29,"end":2489.79,"sentiment":"neutral","sentiment_score":0.18596401810646057},{"text":"Look, I'm happy for the annual review.","start":2503.085,"end":2504.845,"sentiment":"positive","sentiment_score":0.5940251180103847},{"text":"I don't think everything seems to go okay.","start":2504.845,"end":2507.025,"sentiment":"neutral","sentiment_score":0.01344278082251549},{"text":"So that'd be you.","start":2507.165,"end":2508.145,"sentiment":"neutral","sentiment_score":0.25981663167476654},{"text":"Yep.","start":2516.19,"end":2516.69,"sentiment":"neutral","sentiment_score":0.12637361884117126}],"sentiment":"neutral","sentiment_score":0.26749153506188167,"num_words":21,"start":2489.29,"end":2516.69},{"sentences":[{"text":"Yep.","start":2519.55,"end":2519.8699,"sentiment":"neutral","sentiment_score":0.052367936819791794},{"text":"Do we need to book an appointment for that updated strategy?","start":2519.8699,"end":2522.3699,"sentiment":"neutral","sentiment_score":0.017665991898287426},{"text":"Or what do we do?","start":2522.43,"end":2525.01,"sentiment":"neutral","sentiment_score":-0.03655634522438049},{"text":"Okay.","start":2525.71,"end":2526.21,"sentiment":"neutral","sentiment_score":0.05432071536779404},{"text":"Yep.","start":2527.39,"end":2527.89,"sentiment":"neutral","sentiment_score":0.06570535153150558}],"sentiment":"neutral","sentiment_score":0.009680957288334244,"num_words":19,"start":2519.55,"end":2527.89},{"sentences":[{"text":"No problem.","start":2531.275,"end":2532.015,"sentiment":"neutral","sentiment_score":0.10759312286973},{"text":"No problem.","start":2534.715,"end":2535.115,"sentiment":"positive","sentiment_score":0.5695827603340149},{"text":"Thank you.","start":2535.115,"end":2535.675,"sentiment":"positive","sentiment_score":0.725898027420044},{"text":"You have a good evening.","start":2535.675,"end":2536.735,"sentiment":"positive","sentiment_score":0.7493898272514343},{"text":"Okay.","start":2538.395,"end":2538.795,"sentiment":"positive","sentiment_score":0.46958428621292114}],"sentiment":"positive","sentiment_score":0.5852234369764725,"num_words":12,"start":2531.275,"end":2538.795},{"sentences":[{"text":"K.","start":2538.795,"end":2539.295,"sentiment":"neutral","sentiment_score":0.17122234404087067},{"text":"Bye.","start":2539.355,"end":2539.855,"sentiment":"neutral","sentiment_score":0.2128987014293671}],"sentiment":"neutral","sentiment_score":0.19206052273511887,"num_words":2,"start":2538.795,"end":2539.855}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good evening, Lucy. It's Tommy here, senior adviser from Oakview. How are you doing today?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing absolutely fantastic. It's a beautiful cool night. What about your end?\n\nChannel 1: It it is cool over here too. It's doing\n\nChannel 0: Probably\n\nChannel 1: well.\n\nChannel 0: a bit\n\nChannel 1: Yes.\n\nChannel 0: cold in Queensland, I imagine, but\n\nChannel 1: Yes. Yes.\n\nChannel 0: we get by, hopefully, rugged up.\n\nChannel 1: Yes. We are.\n\nChannel 0: Perfect.\n\nChannel 1: All the\n\nChannel 0: Now\n\nChannel 1: windows\n\nChannel 0: I'm just\n\nChannel 1: are\n\nChannel 0: giving\n\nChannel 1: shut.\n\nChannel 0: perfect. We've got the aircon going on heater at\n\nChannel 1: Yep.\n\nChannel 0: the moment, so nice and fun.\n\nChannel 1: Yep.\n\nChannel 0: I'm just going through your annual review today. Do you still have a\n\nChannel 1: Yep.\n\nChannel 0: bit of time for me?\n\nChannel 1: Yes, Hadi.\n\nChannel 0: Amazing. So I've got a bit of an annual review pack that I will send through to you. Just\n\nChannel 1: Yep.\n\nChannel 0: while I'm sending that through, could I please confirm for security your date of birth and address?\n\nChannel 1: Yep. Eighteenth of the eighth nineteen eighty two. Address is 10 Prince Street, Picnic Point, New South Wales 2213.\n\nChannel 0: Sensational. Thank you for that. And I'm registered with ASIC as Adviser 1273105. Now, Lucia, is there anything in particular that you had in mind to focus on for this annual review?\n\nChannel 1: No. I guess it's just more a health check. Are we tracking for the use?\n\nChannel 0: Yep. Just a bit of a general update kind of\n\nChannel 1: Just\n\nChannel 0: thing.\n\nChannel 1: a yeah. I I I look into it. I see for every now and then I have a look. Probably had one question.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: People took me other I don't know, like, when we said all these stuff and we did all the research. I think it's it's the income protection. One of the insurances, we couldn't do through the super. So I do it separately through NRMA,\n\nChannel 0: Yes.\n\nChannel 1: But it's just I'm and I know so I catch you in too. If you don't have it, will you need it? Like like everything? Just\n\nChannel 0: Yeah.\n\nChannel 1: from a cost. I just don't know what the value is it in it is.\n\nChannel 0: Yep. Okay. I can definitely go through that with you today. I've got your certificate of currency up for the income protection.\n\nChannel 1: Yes. It's the life\n\nChannel 0: So\n\nChannel 1: insurance. Sorry. It's the life insurance that I do through NRMA. The sickness and injury cover.\n\nChannel 0: oh, yes. Yes. Yes. So\n\nChannel 1: Yeah.\n\nChannel 0: the way the NRMA policies are a little bit different than a standard income protection policy. So sickness and injury, they're your two areas of claims.\n\nChannel 1: Okay.\n\nChannel 0: So illness\n\nChannel 1: Yep.\n\nChannel 0: and, like, you know, car accidents and injuries and things like that that prevents you from going to work. So\n\nChannel 1: Okay.\n\nChannel 0: as a little bit of a quick overview, on your hub twenty four super,\n\nChannel 1: Yes.\n\nChannel 0: we have the insurances that we had transferred across into the account. That's your life insurance and total disability insurance through the super. So that's 340 just under 342,000 in\n\nChannel 1: Yep.\n\nChannel 0: the event of death or total disability. It's a lump sum. That one's nice and cheap. That one's $431 per year.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to the NRMA policy, what's left over here for the the income side of things, there's a waiting and a benefit period. Do you remember how those work?\n\nChannel 1: Not off the top of my head. I've just got for tax. They've sent me how much I paid for the year, and\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: it just goes up.\n\nChannel 0: It does. And the problem with stepped policies too, that used to be able to do level policies that didn't go up as much. But\n\nChannel 1: Yep.\n\nChannel 0: with step policies, it really does go up quite a bit each year, especially through the later years as well.\n\nChannel 1: Yep.\n\nChannel 0: So once you hit, like, 50 plus, it wouldn't surprise me if it was jumping\n\nChannel 1: Oh,\n\nChannel 0: up 20\n\nChannel 1: wow.\n\nChannel 0: to 40% per year. And before you know it, you're 58 years old and you're paying $7,500 for this policy.\n\nChannel 1: Yep.\n\nChannel 0: Now it's 4,000 a month worth of cover, and the way the the periods work is you have a waiting period. So if you're out of work for more than twenty eight days, which is pretty standard, thirty days is usually standard. It's a little bit\n\nChannel 1: Yep.\n\nChannel 0: shorter, which is good. They can pay you monthly for up to six months.\n\nChannel 1: Okay.\n\nChannel 0: Now that's not a, what I would call, a comprehensive policy because normally, the policies that we go through, whether it's personally or through super, the benefit period is more two years, five years, or up to the age of 65. So you have a very short benefit period. It's very, very short term\n\nChannel 1: Yes.\n\nChannel 0: illnesses and injuries, if that makes sense. Now what I can kind of see for the\n\nChannel 1: Yes. It is. Yeah.\n\nChannel 0: sense. Now what I can kind of see for the premiums on that one is that it is about 1,200 a year out of pocket. And, yes, you can claim that as a tax deduction as well, which is nice. Get a chunk out of that to drop it below a thousand dollars. But\n\nChannel 1: Yep.\n\nChannel 0: affordability really is a question of cash flow and priorities for what you wanna use that cash flow for.\n\nChannel 1: Yes.\n\nChannel 0: Now one consideration that you could have, it may not be possible right now, but if, for example, we could get an income protection policy paid through your superannuation, That would obviously save you the premiums coming out of pocket as long as the contributions and growth could kind of handle the cost similar to how it handles your life insurance cost.\n\nChannel 1: Okay.\n\nChannel 0: K? Now with that income protection through NRMA, I know that it's just been end of financial year and tax returns and everything.\n\nChannel 1: Yep.\n\nChannel 0: Are you considering canceling it? Are you thinking of alternatives? Are you wanting to see if it is a good value policy?\n\nChannel 1: No. I I'm thinking to cancel it. I think I think it was two years ago I got it, and I went, I just can't do this anymore. So I spoke\n\nChannel 0: Yep.\n\nChannel 1: to him and the salesman, he basically went, you've been with us for such a long time. We don't want you to lose it, so we lowered the value. So now I'm like yeah. I know. Like, they got me.\n\nAnd now I'm like, the tech the paperwork came, and I was like, I don't see value in it. And and like I said, it's very short period. For what you get, I don't know if there's value in it. But\n\nChannel 0: And\n\nChannel 1: that's not\n\nChannel 0: it's\n\nChannel 1: where I look\n\nChannel 0: a thousand\n\nChannel 1: at. So\n\nChannel 0: dollars\n\nChannel 1: that 6\n\nChannel 0: a week\n\nChannel 1: months\n\nChannel 0: before tax. So\n\nChannel 1: yeah.\n\nChannel 0: if you're off work for six months, you'd be getting, what, $75,800 a\n\nChannel 1: That's\n\nChannel 0: week.\n\nChannel 1: what I mean. And that that's not even close to what I'm making. So it's not even a life for life when you look at the income, I guess. So I just\n\nChannel 0: Yeah.\n\nChannel 1: don't see any value in it. I just think it's better not having it and saving that $1,200 and putting that towards health insurance or whatever else that, you know, like, it can go towards the mortgage.\n\nChannel 0: Yeah.\n\nChannel 1: Groceries,\n\nChannel 0: Absolutely.\n\nChannel 1: to\n\nChannel 0: And,\n\nChannel 1: be honest.\n\nChannel 0: look,\n\nChannel 1: Like\n\nChannel 0: essentially, we're all doing\n\nChannel 1: yeah.\n\nChannel 0: it tough at the moment,\n\nChannel 1: That's\n\nChannel 0: and\n\nChannel 1: right.\n\nChannel 0: and the risk trade off is essentially if you don't value the policy,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, you understand that there's a risk\n\nChannel 1: That's\n\nChannel 0: of not\n\nChannel 1: of\n\nChannel 0: having\n\nChannel 1: course.\n\nChannel 0: that cover there.\n\nChannel 1: Yep.\n\nChannel 0: But, you know, I can't put words in your mouth and say this is what you should have. Everyone's different when it comes to insurance. And if you're happy to self insure and maybe build up your savings instead for a similar situation, where if you're off work for a couple of months, you've got the savings to back you, that is a form of self insurance.\n\nChannel 1: Yep. Yep. And see, I'd rather do that. I've always got a cash buffer because that's just how I am. I'm, you know, a risk of it.\n\nSo I've always got that\n\nChannel 0: Yep.\n\nChannel 1: there. And I just think yeah. Like you were saying, you gotta be more than a month. It's only for six months. The more I look at that, I don't see the value in it anymore.\n\nI don't see\n\nChannel 0: Yeah.\n\nChannel 1: what I'm paying. So yeah. If I can't do it through the Superliver, then I think I'm just gonna end up canceling the NRMA one.\n\nChannel 0: Yeah. Look. I have some\n\nChannel 1: Yeah.\n\nChannel 0: clients who are, you know, early thirties, and they've got the really big mortgage, and they really need it to kind of cover them for that ten to twenty years until they've got their assets built up. But at the same time, like like you said, you've got the savings. You've got the superannuation building up as well. So when\n\nChannel 1: Yes.\n\nChannel 0: it comes to NRMA look. I'll I'll go through the questions when it comes to trying to obtain an alternative\n\nChannel 1: Okay.\n\nChannel 0: policy, but I do know that there I believe there may have been some trouble initially trying to get a policy in\n\nChannel 1: Yeah.\n\nChannel 0: place.\n\nChannel 1: Yeah. They were.\n\nChannel 0: And was that mainly down to was it, I'm assuming, health concerns\n\nChannel 1: It it\n\nChannel 0: more\n\nChannel 1: was\n\nChannel 0: so than\n\nChannel 1: a health.\n\nChannel 0: occupation?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. K. Has there been any improvements in the health department that I can kind of go back to some insurers and maybe hunt around a little bit, or do you think it'd\n\nChannel 1: Well,\n\nChannel 0: be the\n\nChannel 1: I\n\nChannel 0: similar\n\nChannel 1: would think so.\n\nChannel 0: outcome?\n\nChannel 1: Because I'll be honest, I don't remember the questions now, but I've been pretty good help for the past four or five years. I've had nothing made to happen.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Nothing\n\nChannel 1: because\n\nChannel 0: for four\n\nChannel 1: it's\n\nChannel 0: or five years.\n\nChannel 1: I think\n\nChannel 0: Now\n\nChannel 1: look.\n\nChannel 0: when\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: can't remember what question they asked. I know I had a blood clot twenty twenty one. I think because I've had endometriosis that was active\n\nChannel 0: Yes.\n\nChannel 1: in there. That might have been one. They're really the only two that I can think of. My health medical. I don't have diabetes.\n\nI don't have a heart condition. I don't have blood pressure. So you have yeah.\n\nChannel 0: No\n\nChannel 1: So\n\nChannel 0: cholesterol.\n\nChannel 1: no cholesterol.\n\nChannel 0: Nothing\n\nChannel 1: No.\n\nChannel 0: like that. So blood clot and endometriosis\n\nChannel 1: Yes.\n\nChannel 0: is the\n\nChannel 1: And the blood\n\nChannel 0: only\n\nChannel 1: clot was\n\nChannel 0: concerns.\n\nChannel 1: from a medication.\n\nChannel 0: I\n\nChannel 1: It\n\nChannel 0: will\n\nChannel 1: wasn't\n\nChannel 0: ask is\n\nChannel 1: from anything else. So it was like a reaction to a medication, which I've now been, you know, my trial, you know, allergic to this medication.\n\nChannel 0: perfect. And I do have to ask because this is kind of my job to hunt around for people and try and find the best deal is just any current medications that you you currently own, or you offer medications altogether?\n\nChannel 1: Yep. I'm on Ozempic,\n\nChannel 0: Ozempic.\n\nChannel 1: the weight loss medication. That's it. From\n\nChannel 0: Now\n\nChannel 1: a prescription\n\nChannel 0: if you're on\n\nChannel 1: point\n\nChannel 0: Ozempic\n\nChannel 1: of view.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: weight loss, they\n\nChannel 1: Yes.\n\nChannel 0: do obviously check BMI is pretty\n\nChannel 1: Yep.\n\nChannel 0: big for when it comes to pricing. And then also, if there's any I I've got a few friends that have done, like, the lap band surgery and had a\n\nChannel 1: Okay.\n\nChannel 0: significant\n\nChannel 1: Yeah.\n\nChannel 0: weight loss. And then if they've had a significant weight loss, you have to kind of keep it off for a period of time. Otherwise, they kind of add half of it back on, if that\n\nChannel 1: Okay.\n\nChannel 0: makes sense.\n\nChannel 1: So no no surgery. It's just the weight loss. It's\n\nChannel 0: Yep.\n\nChannel 1: being\n\nChannel 0: So\n\nChannel 1: my\n\nChannel 0: no surgery.\n\nChannel 1: I don't know what my BMI is. I have to go online\n\nChannel 0: Well,\n\nChannel 1: and find out.\n\nChannel 0: if you have, I can actually just do that quickly with you now.\n\nChannel 1: Okay.\n\nChannel 0: So what I need to do so we've got a 160 centimeters on\n\nChannel 1: Yes.\n\nChannel 0: file for height.\n\nChannel 1: Yes. I haven't grown yet.\n\nChannel 0: Perfect. Look, I've actually seen somewhere five years later. I'm like, why are you five centimeters tall or shorter than what you first said? But anyway,\n\nChannel 1: Can\n\nChannel 0: that's\n\nChannel 1: I understand? Sure.\n\nChannel 0: cool.\n\nChannel 1: People do shrink as I get older.\n\nChannel 0: Yes. This is true. This is true. I think some guys, though, told me some tattletales early on. That's all.\n\nOkay. So I will get from you either current kilos or pounds for weight, and I'll plug that in.\n\nChannel 1: The ninety one kilos.\n\nChannel 0: Ninety one. Alright. Thirty five point five. And in terms of weight loss, do you have a bit of an idea of, like, the last twelve months, last six months, kind of what the weight loss journey has been like for you? That would be very helpful, yeah, if we just kind of give them an idea anonymously.\n\nChannel 1: Okay. So that's yeah. The journey sort of started September last year.\n\nChannel 0: Okay. September 2025. And if you have that peak there, I'll just note that down.\n\nChannel 1: 101.\n\nChannel 0: 101. Okay. So from so essentially 10 kilos. K. So what\n\nChannel 1: It would depend.\n\nChannel 0: I would\n\nChannel 1: If you\n\nChannel 0: do\n\nChannel 1: wanna go 24, I got 210. So it's on September last year.\n\nChannel 0: 400 I mean, that sounds pretty sort of sustainable because it's not\n\nChannel 1: Yes.\n\nChannel 0: like a 40 kilos in three months type\n\nChannel 1: No.\n\nChannel 0: thing.\n\nChannel 1: No. No. No. It's we've\n\nChannel 0: It\n\nChannel 1: we've\n\nChannel 0: seems like\n\nChannel 1: been\n\nChannel 0: a gradual\n\nChannel 1: very it's been very gradual working with a specialist.\n\nChannel 0: yep. Perfect. So the way that usually works is from September till now, they'll probably add half of it back on for a period of time until it's twelve months off. If that bumps you up to 37.5 on the BMI, they may add some loadings on\n\nChannel 1: Yep.\n\nChannel 0: where they say, oh, we're gonna up the price by 50% until that twelve month BMI goes below I think it's 35 or 36 at the moment is usually the cutoff. They've actually increased it recently.\n\nChannel 1: Mhmm.\n\nChannel 0: So I will call around and double check. But if they are gonna add a loading on and the price jumps up to $23,000, do you want me to kind of bother with the quotes, or what would be your preference?\n\nChannel 1: No. Probably maybe at the next thing you'll review, maybe we look at it.\n\nChannel 0: Yeah.\n\nChannel 1: Do\n\nChannel 0: And\n\nChannel 1: it with\n\nChannel 0: that's\n\nChannel 1: six\n\nChannel 0: the thing\n\nChannel 1: months\n\nChannel 0: is,\n\nChannel 1: checking or something\n\nChannel 0: yep, yearly basis can check\n\nChannel 1: there.\n\nChannel 0: on these things, and\n\nChannel 1: That's\n\nChannel 0: I will basically call around and check. And\n\nChannel 1: yep.\n\nChannel 0: if it's not really gonna be affordable, I'll put a flag on there for the next review. And then what we could potentially do is at the next review, do a bit of a pre assessment where they ask a little bit more in-depth questions again, and then we\n\nChannel 1: Yep.\n\nChannel 0: can kind of shoot that off anonymously to the insurance and see if anyone's gonna come back with a with a good deal for you.\n\nChannel 1: Yep. That sounds good. Okay\n\nChannel 0: Cool.\n\nChannel 1: with that.\n\nChannel 0: I will put in a flag that you're looking to cancel the insurance, and I'm assuming for NRMA, you would probably just call up and they would do it straight away and\n\nChannel 1: Yes.\n\nChannel 0: okay.\n\nChannel 1: Yep. So I\n\nChannel 0: Cool.\n\nChannel 1: pay that\n\nChannel 0: So I'll\n\nChannel 1: monthly\n\nChannel 0: note that\n\nChannel 1: at the\n\nChannel 0: down.\n\nChannel 1: moment. So that'll be\n\nChannel 0: Yeah. That's right. So no large refunds there.\n\nChannel 1: no.\n\nChannel 0: Perfect. Now if I do get a good outcome from calling the insurers, what I'll basically do is do some quotes for 70% of your income, which is kind of like that maximum that you can do\n\nChannel 1: Yep.\n\nChannel 0: these days.\n\nChannel 1: Okay.\n\nChannel 0: I did have you on a higher duties last year where you had gone from about a 125,000 up to a 188. Do you know what you've kind of ended the financial year on?\n\nChannel 1: No. I have to put in my job to see. My base rate is a 150 now though to\n\nChannel 0: Yep.\n\nChannel 1: that. So that's that's my base rate. The $1.25 is an old number. So the base rate now is $1.50.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: I did drop down for two months,\n\nChannel 0: Oh,\n\nChannel 1: and now I'm back up on the higher duty.\n\nChannel 0: great. And\n\nChannel 1: Like\n\nChannel 0: how's\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: say,\n\nChannel 0: going\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: had\n\nChannel 0: the\n\nChannel 1: a\n\nChannel 0: stress levels?\n\nChannel 1: I oh, it's been horrible two weeks. Been a horrible we don't wanna go there. Been lots of tears. It's not been great, but we're\n\nChannel 0: Yep.\n\nChannel 1: pushing along. Yeah. Like I said, I had a two month holiday when I went back for a little bit. So it's a growth and learning opportunity. I've learned a lot.\n\nYeah.\n\nChannel 0: Yeah. That's what\n\nChannel 1: But\n\nChannel 0: we do.\n\nChannel 1: it's\n\nChannel 0: We\n\nChannel 1: been\n\nChannel 0: take\n\nChannel 1: tough.\n\nChannel 0: them from there.\n\nChannel 1: Yeah.\n\nChannel 0: Now similar occupation title, I'm assuming,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: project\n\nChannel 1: That's\n\nChannel 0: coordination business management.\n\nChannel 1: that's right. Yes. That's none of\n\nChannel 0: Yep.\n\nChannel 1: that you need to get.\n\nChannel 0: Perfect. Okay. So I might base it off the $1.50 for now\n\nChannel 1: Yep.\n\nChannel 0: because if I start trying to push up to that two\n\nChannel 1: Yep.\n\nChannel 0: $100,000 mark, you you're\n\nChannel 1: That's\n\nChannel 0: probably gonna get into the extra blood checks\n\nChannel 1: fine.\n\nChannel 0: and high premiums and all that kind\n\nChannel 1: Yeah.\n\nChannel 0: of thing\n\nChannel 1: No.\n\nChannel 0: if\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: don't\n\nChannel 0: okay\n\nChannel 1: wanna\n\nChannel 0: with\n\nChannel 1: yeah. That's fine because I don't know. At the moment, I'm here for till December, but you don't know. So, yeah, I'd rather just use the bait. Don't you?\n\nChannel 0: that. Perfect. And when it comes to the benefit and waiting period, I said before that that thirty days is pretty standard.\n\nChannel 1: Yep.\n\nChannel 0: You can go cover all the way up to the age of 65, five years, or two years, so you kind of go short, medium, or long term with it. But the main question first is waiting period. Do you want me to do, like, a thirty day standard, push it out to sixty or ninety days because you've got the savings behind you and make it a bit more affordable? What would be your preference there?\n\nChannel 1: Actually, I didn't need to do that yet. Probably push it out to sixty days.\n\nChannel 0: Sixty. Perfect.\n\nChannel 1: Yes. Sixty days.\n\nChannel 0: That kind of narrows it down a little bit because only a handful of insurers do the in between, which is\n\nChannel 1: Yep.\n\nChannel 0: good.\n\nChannel 1: Yep.\n\nChannel 0: So we'll go sixty days. And if nothing comes of it, I'll still keep this on file so that when we go for it again, we can at least go through those preferences.\n\nChannel 1: Yep.\n\nChannel 0: And so what I normally do in terms of affordability is we usually flag premiums once they are, you know, chewing into about 30% of your contributions as a rate as a bit of a red flag for affordability to make sure it's still growing. So if you're okay with that, I can base the benefit period on the best we can get within that affordability metric.\n\nChannel 1: Yeah. I'm a take\n\nChannel 0: Perfect. Alright.\n\nChannel 1: that.\n\nChannel 0: Age 65. Five year, two year. A little bit of quotes and calls for that one. If the team have any other questions health related, I will get them to give you a call when you are free just to go through and see if there's anything else we can do because part of underwriting, it's a bit of a negotiation. When it comes to your occupation, that's gonna be really good for pricing.\n\nSo you are quite high up in income. You do have it does note that you have some tertiary\n\nChannel 1: Yep.\n\nChannel 0: qualifications. Is it is it kind of like a degree in your field, anything like that, Diplomas, degrees, anything that I can note\n\nChannel 1: Probably\n\nChannel 0: down?\n\nChannel 1: not in the field. I did a bachelor of arts majoring linguistics, and then I did a master's in primary education.\n\nChannel 0: K. And master's in primary education. Fantastic. And do you look after a lot of staff underneath you in terms of managerial duties?\n\nChannel 1: I've got three direct reports.\n\nChannel 0: Three direct reports. Perfect. So I think based on that, you would probably be looking at a double a rating, which is\n\nChannel 1: Okay.\n\nChannel 0: the the second best.\n\nChannel 1: Okay.\n\nChannel 0: The only one that's above that is kind of like, you know, a lawyer who looks after 50 staff and a big successful business type type thing. Alright. That's perfect. Any questions on that so far?\n\nChannel 1: Nope. Nope. That's all good.\n\nChannel 0: K. When it comes to your life and TPD insurance, that 300 that we've got inside the super, do you want me to just kind of leave that alone? Do you want me to look at increasing, decreasing, or just kind of focus on the income side?\n\nChannel 1: No. I'm happy to leave that alone.\n\nChannel 0: K.\n\nChannel 1: Good how it is.\n\nChannel 0: And I do have to ask for the fourth one because there are four insurances. And the other one is trauma insurance, which has to be paid out of pocket, and it's for heart attack, stroke, and cancer. So it's essentially like a a $100,000 lump sum if you have one of those major conditions, whereas it's not passing away or being off work or total disability. It's just the diagnosis itself. It can definitely range up to 100 a month or above.\n\nSo I just wanted to sort of gauge\n\nChannel 1: I\n\nChannel 0: with you if that's worth quoting for or just focus on the income side.\n\nChannel 1: don't know. I've had friends that have had candid lately or, you know, you sort of as you get older, you see different things.\n\nChannel 0: Yeah. I mean, the life insurance and the disability insurance will still be there in those\n\nChannel 1: Yeah.\n\nChannel 0: circumstances\n\nChannel 1: It looks\n\nChannel 0: if it gets bad enough and the income protection possibly as well. But\n\nChannel 1: yeah.\n\nChannel 0: this is more like going to a private practice for extra treatment, partner taking a bit of time\n\nChannel 1: No.\n\nChannel 0: off work to look after you after a heart attack. It's a bit of a nice to have.\n\nChannel 1: No. We'll cool late that one.\n\nChannel 0: K. Now I think I have everything I need to to do that initial research. And like I said, if it is a good outcome, I'll run it by you. If not, I'll keep it on file for the next review.\n\nChannel 1: Yep.\n\nChannel 0: So that's pretty much it for the insurance side. Just wanted to quickly check with you as well. We have the new system, and I've just been updating everybody's details. Assets and liabilities, we did have three properties noted down as well as quite a bit in savings and some investments in some ETFs. So I'm just wondering\n\nChannel 1: Yes.\n\nChannel 0: if you still have the three properties.\n\nChannel 1: Yes. You have three\n\nChannel 0: Yep.\n\nChannel 1: copies.\n\nChannel 0: With the offset account, we had a 120,000 in there previously. Have you managed to increase, decrease?\n\nChannel 1: It says decreased about a 110 at the moment. Not\n\nChannel 0: Yep.\n\nChannel 1: by much, but it has decreased. Yeah.\n\nChannel 0: That that's fair enough.\n\nChannel 1: Interest gone up, the more money comes out.\n\nChannel 0: Yeah. Investments in the ETFs, we had about 6,000 there. I don't know if you've been continuing to invest alongside.\n\nChannel 1: There's about 9,000 in there now.\n\nChannel 0: Yep. And any interest in further investments there, or was that just kind of growing in the background?\n\nChannel 1: It's just going in the background.\n\nChannel 0: Perfect. I was gonna do just some update evaluations. Just wanted to check-in terms of the mortgage on your main residence. 230,000 we have.\n\nChannel 1: I'm going to the account. Just give me a rough look. I'm not too sure.\n\nChannel 0: That's alright. And while you're doing that, I'm just gonna see if I can get a quick valuation update\n\nChannel 1: Picnic\n\nChannel 0: on\n\nChannel 1: Point, where were two eighteen?\n\nChannel 0: 218. Thank you very much. 218000. Have there been any major changes to Wheeler Street or Sunset Drive in terms of value or loan structures and amounts?\n\nChannel 1: No.\n\nChannel 0: K. I still have the the main residence valued at about 1,700,000. That's what I'm seeing online as well. So would it be safe to\n\nChannel 1: Yep.\n\nChannel 0: kind of leave those three as they are? Or\n\nChannel 1: Yes. I'd leave them all right\n\nChannel 0: Perfect.\n\nChannel 1: there.\n\nChannel 0: We got the Kia Sportage, the Mazda CX\n\nChannel 1: Yes.\n\nChannel 0: three,\n\nChannel 1: Yep.\n\nChannel 0: and that should be I'm assuming no other assets or\n\nChannel 1: Okay.\n\nChannel 0: loans\n\nChannel 1: So\n\nChannel 0: floating\n\nChannel 1: we have\n\nChannel 0: around.\n\nChannel 1: another investment property. When you said three properties, obviously, three investment properties not including the home we live in. So\n\nChannel 0: Oh,\n\nChannel 1: in\n\nChannel 0: there\n\nChannel 1: January\n\nChannel 0: you go.\n\nChannel 1: this year, we got another investment property.\n\nChannel 0: Congratulations. Got in before the legislation.\n\nChannel 1: We\n\nChannel 0: Well\n\nChannel 1: did.\n\nChannel 0: done.\n\nChannel 1: We did.\n\nChannel 0: So I'll\n\nChannel 1: Everyone\n\nChannel 0: just do\n\nChannel 1: kept\n\nChannel 0: some\n\nChannel 1: saying\n\nChannel 0: quick\n\nChannel 1: nothing\n\nChannel 0: round\n\nChannel 1: will change.\n\nChannel 0: figures for\n\nChannel 1: Nothing\n\nChannel 0: that one.\n\nChannel 1: will change.\n\nChannel 0: Oh, in Australia, I think anything can change at any point now, can't it?\n\nChannel 1: Yep.\n\nChannel 0: So we'll put investment property number three there. Just a quick round figure on value and and loan on that one.\n\nChannel 1: So the loan we have is $6.80.\n\nChannel 0: Yep. Thank you.\n\nChannel 1: Paperwork. We haven't\n\nChannel 0: And\n\nChannel 1: done\n\nChannel 0: I\n\nChannel 1: our\n\nChannel 0: do\n\nChannel 1: taxes\n\nChannel 0: appreciate\n\nChannel 1: yet.\n\nChannel 0: you oh, that's gonna be a fun one, but I do appreciate you updating these details with me.\n\nChannel 1: I no. That's okay. I have the folder. I'll I'll still\n\nChannel 0: And what\n\nChannel 1: see.\n\nChannel 0: would you like me to call this one? Should I put a a straight\n\nChannel 1: I'll\n\nChannel 0: down\n\nChannel 1: give you\n\nChannel 0: for\n\nChannel 1: a\n\nChannel 0: that one as well?\n\nChannel 1: I'll give you the suburb because they're all big suburb that you've got at the moment.\n\nChannel 0: Yeah. Parkridge,\n\nChannel 1: Yep. So this one is Kilmore, K I L M O R E,\n\nChannel 0: Thornton. Kilmore. Perfect.\n\nChannel 1: in Victoria.\n\nChannel 0: Victoria. I managed to spread around one in each state. That's amazing.\n\nChannel 1: We have. Yes. Yes.\n\nChannel 0: Branching out a little bit is nice.\n\nChannel 1: We paid 600 for this one.\n\nChannel 0: Okay. So it's\n\nChannel 1: What is\n\nChannel 0: owing\n\nChannel 1: the value\n\nChannel 0: a bit more\n\nChannel 1: that?\n\nChannel 0: than the value.\n\nChannel 1: It is. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: If we use the buyer's agent and things, so we had a few extra cost.\n\nChannel 0: Yeah. No.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: fair enough.\n\nChannel 1: So we borrowed everything rather than you having to use our savings.\n\nChannel 0: Alrighty. $6.80 on that one. 600 value.\n\nChannel 1: This\n\nChannel 0: Amazing.\n\nChannel 1: is price.\n\nChannel 0: Thank you\n\nChannel 1: That\n\nChannel 0: very much\n\nChannel 1: was\n\nChannel 0: for\n\nChannel 1: a\n\nChannel 0: that.\n\nChannel 1: purchase price. I don't know if it's valued. It must be very similar. Yeah. I'm just I don't I don't what's the question?\n\n100,000.\n\nChannel 0: Yep. No. That's totally fine.\n\nChannel 1: Yeah.\n\nChannel 0: If it becomes necessary for the advice that we need to factor in a more accurate value, we can kind of go through some online estimates as well, but not necessary at this point.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Lucille, before I jump into the portfolio side of things for the super, I just wanted to double check in terms of cash flow priorities and belts. We do have a bit of an earlier retirement flag for you guys aiming for that age 60 where you can access your super. I'm\n\nChannel 1: Yep.\n\nChannel 0: just wondering if there's anything else that you guys are now focusing on for the next few years now that you've got that third\n\nChannel 1: We really gotta get rid of the mortgage on our house. We because we still got that $2.18. That's sort of what I said.\n\nChannel 0: investment\n\nChannel 1: Our focus for the next two to five years is really just let's get rid of this mortgage. That's\n\nChannel 0: property. Yep.\n\nChannel 1: that's my focus.\n\nChannel 0: Absolutely. Now when it comes to contributions into super, I did notice a decent amount going in there because they've they've obviously had that bump up in the duties.\n\nChannel 1: Yes.\n\nChannel 0: Are you looking at doing any salary sacrifice this financial year, or is it mainly just focused on that mortgage and the offset for the next twelve months?\n\nChannel 1: Okay. I know I think I did talk to somebody about that because the extra went in. I don't think I think it would have been very close to the max that you could put in anyway, so we didn't add any extra.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And that's what I was kind of seeing where there's a lot of contributions\n\nChannel 1: Yeah.\n\nChannel 0: going in, and I see it increasing\n\nChannel 1: Yeah.\n\nChannel 0: quite\n\nChannel 1: Yeah. So I think depending if I end up in the same as either due at least to the current financial year, then there'll be nothing extra put in. So\n\nChannel 0: quickly.\n\nChannel 1: we\n\nChannel 0: Yeah.\n\nChannel 1: cover.\n\nChannel 0: That'd be the safest way because there\n\nChannel 1: Yep.\n\nChannel 0: was already 20,000 in the last twelve months\n\nChannel 1: Yep.\n\nChannel 0: even with that holiday and everything. So if we get to end of financial year next year, if there is anything left over, you know, one of the strategies that I I recommend a lot is just pulling everything into that offset account. And then when end of financial year comes, if you wanna do a little top up contribution then, you can kind\n\nChannel 1: Yep.\n\nChannel 0: of get the best of both worlds. But I don't see any reason of doing any salary sacrifice at this point.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now when it comes to the portfolio itself, so I'm just having a look at both accounts. So you guys are all linked up. Hub twenty four is doing its family fee linking, which is great.\n\nChannel 1: Yes.\n\nChannel 0: That brings you down in the admin fee categories quite quickly, especially because combined, you're sitting at that kind of 700,000 mark now. So the next tier for you guys in admin fee reductions is a million, and then it goes down to very, very low percentages. With Hub, they tend to go from, like, 0.36% straight down to 0.1 and then 0.04. It pretty much becomes nothing when you have over a million to $2,000,000.\n\nChannel 1: Okay.\n\nChannel 0: So that's really helpful. Balance wise, so you've had a pretty, pretty strong journey of contributions and growth since you started. A hundred and twenty eight thousand at the start. You're sitting at $2.77 $5.06 4 today.\n\nChannel 1: Yep.\n\nChannel 0: It slowed down a little bit the last twelve months. So I think you've gone from $2.46 to $2.77. Half of that is your contributions, and half of that is the investment growth.\n\nChannel 1: Okay.\n\nChannel 0: Now we had a bit of a drop in the markets in March where the balance had kind of fallen from $2.70 to $2.50 and then bounced back up to $2.77. So about $20 drop for a month's period. You mentioned at the start of the call being quite risk averse. So\n\nChannel 1: Yes.\n\nChannel 0: I wanted to just quickly ask you because you're in that growth profile, you're kind of at, like, a a four out of five on the risk profile. You're not high risk, but you're still primarily focusing on growth. And what that means is you've got 80% in, like, shares and property rather than 90 or a 100%. Now\n\nChannel 1: Yep.\n\nChannel 0: because the returns are all percentage based in super, what tends to happen is as you build up your bigger balance, that 10% return up and down, that's gonna be a bigger portion of your balance. So what you're gonna start noticing now is that your super from 277,000, it could go back down to $2.50, and then it could be at 300,000 this time next year.\n\nChannel 1: Okay.\n\nChannel 0: So what I kind of mean by that is if you get a 10% return of of $500,000, there's $50. But if you only had 30,000 in super, it's $3,000. So what tends to happen now is that the growth of your super is a lot bigger than the contributions that you're gonna be putting in. It's kind of gonna take you off and get you to those higher amounts more so than what you're putting in. Now just based off that, Lucia, any concerns on your end when it comes to what I said in terms of the volatility that you've experienced?\n\nChannel 1: No.\n\nChannel 0: K. I'm assuming you're not considering trying to increase risk at this time to try and get a higher return.\n\nChannel 1: No. I'm not.\n\nChannel 0: K. Perfect. I think growth is pretty reasonable. You've got a good 6 figure income. You've got a pretty decent balance for your age, and it's catching up pretty quickly as well.\n\nChannel 1: Yep.\n\nChannel 0: The returns, like I I mentioned before, a little bit slower this year. So normally, when you're in a growth profile, we wanna be aiming for around about nine to 10% average. Whereas in a single year, it could go up 20%, and it may drop in those, you know, one off bad years where there's a GFC, a COVID, a war breaking out, or something like that, and just get that average over the ten year period over that market cycle of the nine to 10%. Does that make sense to start with?\n\nChannel 1: Yes. That's it.\n\nChannel 0: Cool. So it's only grown by about five or 6% the last twelve months because it kind of went up, went back down, then went back up again. So it kind\n\nChannel 1: Yep.\n\nChannel 0: of had that blip in the middle. So it hasn't gone negative, which is good, but I do wanna warn you that there will be a negative year coming up sometime in the next few years.\n\nChannel 1: Okay.\n\nChannel 0: K? So what I need to do when I'm looking at your investments, because you've got eight different options that we've kind of put together to build a portfolio. So one of them is like your gold option. One's your shares in America, some cybersecurity, all these different areas. We put them all together, and that makes your nice pie chart.\n\nThat's your portfolio with all the different assets. When I look at these options here, I'm sent you through a bit of a report just so you can see them as well. Pretty much everybody has had some really strong returns. Everything is double digits that I can see. Gold's up fantastically 12%.\n\nYou've got agriculture shares that are up 19%. So everything's looking really good. You've got a safe portion, that 20% that's not invested in the stock market. That's up its usual four to 5%, which is pretty standard. And you've even got some infrastructure that's going up really well, 18% there as well.\n\nThe only one that's a bit of a concern for me is a Benelong Australian shares option. So that one's actually dropped quite significantly compared to the other options. It's a portion of your balance, but I would say it has underperformed the other Australian options that are out there.\n\nChannel 1: Okay.\n\nChannel 0: So what I'm thinking is that overall, the super is not doing too bad, good long term growth, but I think a bit of an engine tune up is kind of warranted where you've been in this for a few years now. I think I wanna kind of maybe switch out this option at least. The\n\nChannel 1: Yep.\n\nChannel 0: other ones are looking really good, but I just wanna kind of knock out the bad apple and put in a good red apple, if that sense.\n\nChannel 1: Yes.\n\nChannel 0: So while I'm doing the calls and research regarding the income protection, I'm just gonna look for a bit of an update. I do have one question for you, though. In terms\n\nChannel 1: Yep.\n\nChannel 0: of the style of the investment, because Hub twenty four has the most investment options in the country, we're talking about 1,300, I need to whittle it down just a little bit. Now we've got a choice between low fee options, passive, or a bit more higher fee to try and get a higher return. And I just wanna know where you kind of lean between the two. And there's no wrong answers cause I can\n\nChannel 1: No\n\nChannel 0: pick\n\nChannel 1: one.\n\nChannel 0: a a really good one in either one, but it's really just about that gut feeling of where do you lean between higher returns or lower cost?\n\nChannel 1: It still be in the growth portfolio though. I said it doesn't change.\n\nChannel 0: Yeah. That's right. So\n\nChannel 1: That's\n\nChannel 0: the risk\n\nChannel 1: what I can\n\nChannel 0: profile stays the same.\n\nChannel 1: okay.\n\nChannel 0: I'm just gonna change the style of the manager.\n\nChannel 1: Okay. So then I'd probably go the higher fee.\n\nChannel 0: Okay. So that's similar style to what it's currently in.\n\nChannel 1: Okay.\n\nChannel 0: So what I'll basically do is I'm just gonna I've got a few people that we've shortlisted. We've been researching recently,\n\nChannel 1: Yep.\n\nChannel 0: and I've got a couple there that I'm gonna compare and do a bit of a switch out like for like for you.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Alrighty. Any questions on that so far? Amazing. Now what we can do later on is when you get a bit closer to retirement, I think it would be a good idea to get both of you guys together and just have that sit down of a bit of a joint retirement discussion when it becomes a bit more practical.\n\nSo what I'm sort of thinking is we're focusing on just getting that good growth out of it now, aiming for the age 60 retirement. But once you're getting close to that last sort of ten to fifteen years, we might tie both of you guys in together for a joint analysis just to see how you're tracking for retirement, how long the funds will last, will it go past life expectancy, do we need to do any other strategies as well. Sound good?\n\nChannel 1: Okay. Sounds good. Yes.\n\nChannel 0: Alrighty. Now I have gone through quite a few different things with you tonight between the insurances and the super. I just wanted to ask if you had any questions at this point.\n\nChannel 1: No. No question. Not at all.\n\nChannel 0: Okay.\n\nChannel 1: Let's forward.\n\nChannel 0: Estate planning looks good. You've got the nominations for the super for the beneficiary nominations in place. Did you guys end up getting a will in place?\n\nChannel 1: Yep. No. There's no slack about this.\n\nChannel 0: You can imagine it is my yearly conversation with everybody, and I think maybe two out of every 100 end up doing it. And, look, it's just that reminder. Hey. If you can sort out a will as ideal, possibly a power of attorney, which is like, you know, if you're unable to act on your own behalf,\n\nChannel 1: Yep.\n\nChannel 0: health discussions, access bank accounts, and so on. If you're that way inclined, there are government approved will kits at the post office for about $25, but they're very, very simple and basic. Probably not good if you've got four properties to to work on.\n\nChannel 1: Yeah. No. I think we need to go sit with somebody and get one created.\n\nChannel 0: Yeah. Absolutely. Now I don't have any dependents for you guys. So it's just yourself and and Anthony, I believe?\n\nChannel 1: That that's correct. Yes.\n\nChannel 0: Perfect. Alright. So property focus, bit of a tune up on the super. We'll have a look for the income protection. I will note down that you're probably canceling the NRMA,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yes.\n\nChannel 0: I'll update the projections based off of the new strategies as well.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. The only other thing is the pack that I've sent you through.\n\nChannel 1: Yep. I\n\nChannel 0: So\n\nChannel 1: just got it now open.\n\nChannel 0: have you ever used the the Odoo sign system\n\nChannel 1: And\n\nChannel 0: before?\n\nChannel 1: if I've used all these lines.\n\nChannel 0: It is our kind of new one that we moved\n\nChannel 1: Okay.\n\nChannel 0: to over Christmas time. That's all.\n\nChannel 1: Even had the other sign on it. We used the floor, of course.\n\nChannel 0: Yeah. So it was it's very similar to DocuSign, but, basically, if you hit the the sign button, it'll bring up all of the documents. And, basically, what ends up happening is you can scroll through each document, but there is some buttons to kind of skip through next document, next document, next document. Essentially, for your records, there's a summary of your accounts. There is a performance report.\n\nIn red, there's a lovely Vanguard chart about how the markets go up and down and average out long term.\n\nChannel 1: You did\n\nChannel 0: We've\n\nChannel 1: did they sign\n\nChannel 0: yeah. So at the back, there is a couple of documents for signing. So I wanna just quickly walk you through\n\nChannel 1: in?\n\nChannel 0: them. The\n\nChannel 1: I'm on\n\nChannel 0: service\n\nChannel 1: page\n\nChannel 0: agree\n\nChannel 1: seven. It's that consent\n\nChannel 0: page\n\nChannel 1: to ongoing fee agreement\n\nChannel 0: seven.\n\nChannel 1: up to me for. Have\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: missed\n\nChannel 0: that is the service agreement\n\nChannel 1: okay.\n\nChannel 0: for us with Hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Now yourself and Anthony are on the partner fee discount of 1.1%,\n\nChannel 1: Yep.\n\nChannel 0: so that hasn't changed. The document after that one is a tax file number opt in. Now just with the cybersecurity issues, we just wanna make sure that everyone's comfortable for us to hold that number because it is so important rather than sitting in all these digital systems\n\nChannel 1: Yeah.\n\nChannel 0: for the hackers and everyone else to have.\n\nChannel 1: Next. So do I need to sign that hub to sorry. That the that content to ongoing fee for hub 24, do I need to sign that page?\n\nChannel 0: Have.\n\nChannel 1: So it says\n\nChannel 0: Yeah. So\n\nChannel 1: please\n\nChannel 0: there\n\nChannel 1: sign\n\nChannel 0: should\n\nChannel 1: below, but\n\nChannel 0: be\n\nChannel 1: I can't click in there to sign.\n\nChannel 0: if\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: on\n\nChannel 0: scroll\n\nChannel 1: an iPad.\n\nChannel 0: down to the third page,\n\nChannel 1: Yes.\n\nChannel 0: it should have a signature and date box that you can kind of either the blue the purple buttons will bring you to there, or you can just tap on it with\n\nChannel 1: Click. No. I think it won't let me do anything. Maybe it's the iPad. I'm gonna do wrong computer instead.\n\nChannel 0: your finger. And\n\nChannel 1: I can't\n\nChannel 0: if\n\nChannel 1: click\n\nChannel 0: that doesn't\n\nChannel 1: in there.\n\nChannel 0: work,\n\nChannel 1: That's\n\nChannel 0: usually\n\nChannel 1: all.\n\nChannel 0: the purple buttons off to the side kind of bring you to the spot.\n\nChannel 1: Yeah. It says declined to sign. I wanna decline\n\nChannel 0: Okay.\n\nChannel 1: to sign it.\n\nChannel 0: No. That's fine. Maybe easier on the computer\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: I might run this. I'm gonna press the phone. I'll get back and say we can't well, I'll go I'll do I have to go on a computer then. Okay.\n\nChannel 0: No. That's\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: the text phone number.\n\nChannel 0: And the last one is just an authority form where we were going to just keep an eye on NRMA. If\n\nChannel 1: Okay.\n\nChannel 0: you're okay to sign that one, we might just give them a call in a month's time just to see if it was canceled just so we can update the records as completed\n\nChannel 1: Oh, okay.\n\nChannel 0: as\n\nChannel 1: Yep.\n\nChannel 0: part of\n\nChannel 1: Now that's\n\nChannel 0: implementation.\n\nChannel 1: yep. Now that's\n\nChannel 0: Otherwise,\n\nChannel 1: the one.\n\nChannel 0: I wouldn't bother worrying about contacting them and getting authority to speak to them, but it's nice for us to just be able to close that out and confirm it.\n\nChannel 1: Yep. Don't know if I'll get till by the end of the week, but it will be canceled.\n\nChannel 0: Fair enough. When we go through our next discussion anyway in a couple of weeks' time, I will go through what we're doing with the portfolio and the outcome of the insurance research, and\n\nChannel 1: Yep.\n\nChannel 0: I'll give you a reminder then too as well. Amazing. Well, thank you very much for your time this evening. Is there anything I can do for you between now and that next\n\nChannel 1: No. No. That was really good. Appreciate\n\nChannel 0: discussion?\n\nChannel 1: that\n\nChannel 0: Cool.\n\nChannel 1: checking. It helps checking.\n\nChannel 0: Always nice for the old health checkup, as\n\nChannel 1: It\n\nChannel 0: they say.\n\nChannel 1: is. Yes.\n\nChannel 0: Would you like me to put in for any other kind of contact points? Normally, we do maybe quarterly, six monthly contact to see how everything's going, or would you prefer just to wait for the annual review?\n\nChannel 1: Look, I'm happy for the annual review. I don't think everything\n\nChannel 0: K.\n\nChannel 1: seems to go okay. So that'd be you.\n\nChannel 0: Easy done. I'll put in for the annual review. We'll go through the updated strategy in a couple of weeks' time. And if\n\nChannel 1: Yep.\n\nChannel 0: anything else pops up, you're just a phone call away.\n\nChannel 1: Yep. Do we need to book an appointment for that updated strategy? Or\n\nChannel 0: No.\n\nChannel 1: what\n\nChannel 0: So\n\nChannel 1: do we\n\nChannel 0: the\n\nChannel 1: do?\n\nChannel 0: team will get in contact you\n\nChannel 1: Okay.\n\nChannel 0: once the research is complete,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll kind of just book in a suitable\n\nChannel 1: No problem.\n\nChannel 0: time. Amazing. Well, thank you so much for your time.\n\nChannel 1: No problem. Thank you. You have a good evening.\n\nChannel 0: You too. Thank you so\n\nChannel 1: Okay.\n\nChannel 0: much, Lucia.\n\nChannel 1: K. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03656516224145889}],"sentiment":"neutral","sentiment_score":0.03656516224145889,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good evening, Lucy.","start":2.56,"end":3.52,"sentiment":"neutral","sentiment_score":0.2553573300441106},{"text":"It's Tommy here, senior adviser from Oakview.","start":3.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.19465329391615732},{"text":"How are you doing today?","start":5.68,"end":6.74,"sentiment":"neutral","sentiment_score":0.19474718272686004}],"sentiment":"neutral","sentiment_score":0.20682539741198222,"channel":0,"num_words":15,"start":2.56,"end":6.74},{"sentences":[{"text":"Good.","start":6.96,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.2602044343948364},{"text":"How are you?","start":7.2799997,"end":8.02,"sentiment":"neutral","sentiment_score":0.18560966352621713}],"sentiment":"neutral","sentiment_score":0.20425835624337196,"channel":1,"num_words":4,"start":6.96,"end":8.02},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":8.16,"end":9.94,"sentiment":"positive","sentiment_score":0.7635904103517532},{"text":"It's a beautiful cool night.","start":10.0,"end":11.28,"sentiment":"positive","sentiment_score":0.7104336738586425},{"text":"What about your end?","start":11.28,"end":12.42,"sentiment":"neutral","sentiment_score":0.18731262907385826}],"sentiment":"positive","sentiment_score":0.5658292713073584,"channel":0,"num_words":13,"start":8.16,"end":12.42},{"sentences":[{"text":"It it is cool over here too.","start":13.315,"end":15.415,"sentiment":"neutral","sentiment_score":0.304032210792814},{"text":"It's 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but","start":17.095001,"end":19.115,"sentiment":"neutral","sentiment_score":-0.04515853617340326}],"sentiment":"neutral","sentiment_score":-0.04515853617340326,"channel":0,"num_words":6,"start":17.095001,"end":19.115},{"sentences":[{"text":"Yes.","start":19.074999,"end":19.235,"sentiment":"neutral","sentiment_score":0.025616157799959183},{"text":"Yes.","start":19.235,"end":19.735,"sentiment":"neutral","sentiment_score":0.06260111182928085}],"sentiment":"neutral","sentiment_score":0.04410863481462002,"channel":1,"num_words":2,"start":19.074999,"end":19.735},{"sentences":[{"text":"we get by, hopefully, rugged up.","start":19.655,"end":21.595001,"sentiment":"neutral","sentiment_score":0.08082892000675201}],"sentiment":"neutral","sentiment_score":0.08082892000675201,"channel":0,"num_words":6,"start":19.655,"end":21.595001},{"sentences":[{"text":"Yes.","start":22.035,"end":22.275,"sentiment":"neutral","sentiment_score":0.09838405251502992},{"text":"We 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the","start":23.555,"end":23.954998,"sentiment":"neutral","sentiment_score":0.1357881724834442}],"sentiment":"neutral","sentiment_score":0.1357881724834442,"channel":1,"num_words":2,"start":23.555,"end":23.954998},{"sentences":[{"text":"Now","start":23.895,"end":24.135,"sentiment":"neutral","sentiment_score":0.118973009288311}],"sentiment":"neutral","sentiment_score":0.118973009288311,"channel":0,"num_words":1,"start":23.895,"end":24.135},{"sentences":[{"text":"windows","start":23.954998,"end":24.355,"sentiment":"neutral","sentiment_score":0.05880683660507202}],"sentiment":"neutral","sentiment_score":0.05880683660507202,"channel":1,"num_words":1,"start":23.954998,"end":24.355},{"sentences":[{"text":"I'm just","start":24.135,"end":24.455,"sentiment":"neutral","sentiment_score":0.08352240547537804}],"sentiment":"neutral","sentiment_score":0.08352240547537804,"channel":0,"num_words":2,"start":24.135,"end":24.455},{"sentences":[{"text":"are","start":24.355,"end":24.515,"sentiment":"neutral","sentiment_score":0.06307239830493927}],"sentiment":"neutral","sentiment_score":0.06307239830493927,"channel":1,"num_words":1,"start":24.355,"end":24.515},{"sentences":[{"text":"giving","start":24.455,"end":24.775002,"sentiment":"neutral","sentiment_score":0.053494665771722794}],"sentiment":"neutral","sentiment_score":0.053494665771722794,"channel":0,"num_words":1,"start":24.455,"end":24.775002},{"sentences":[{"text":"shut.","start":24.515,"end":25.015,"sentiment":"neutral","sentiment_score":0.13379903137683868}],"sentiment":"neutral","sentiment_score":0.13379903137683868,"channel":1,"num_words":1,"start":24.515,"end":25.015},{"sentences":[{"text":"perfect.","start":26.135,"end":26.635,"sentiment":"positive","sentiment_score":0.3935079276561737},{"text":"We've got the aircon going on heater at","start":27.015,"end":28.779999,"sentiment":"neutral","sentiment_score":0.24677812680602074}],"sentiment":"neutral","sentiment_score":0.2630814380115933,"channel":0,"num_words":9,"start":26.135,"end":28.779999},{"sentences":[{"text":"Yep.","start":28.779999,"end":29.279999,"sentiment":"neutral","sentiment_score":0.2358447015285492}],"sentiment":"neutral","sentiment_score":0.2358447015285492,"channel":1,"num_words":1,"start":28.779999,"end":29.279999},{"sentences":[{"text":"the moment, so nice and fun.","start":28.779999,"end":30.72,"sentiment":"positive","sentiment_score":0.5134802659352621}],"sentiment":"positive","sentiment_score":0.5134802659352621,"channel":0,"num_words":6,"start":28.779999,"end":30.72},{"sentences":[{"text":"Yep.","start":31.019999,"end":31.519999,"sentiment":"neutral","sentiment_score":0.09485342353582382}],"sentiment":"neutral","sentiment_score":0.09485342353582382,"channel":1,"num_words":1,"start":31.019999,"end":31.519999},{"sentences":[{"text":"I'm just going through your annual review today.","start":32.059998,"end":34.62,"sentiment":"neutral","sentiment_score":0.06945492140948772},{"text":"Do you still have a","start":34.62,"end":35.34,"sentiment":"neutral","sentiment_score":0.014325203374028206}],"sentiment":"neutral","sentiment_score":0.048251183703541756,"channel":0,"num_words":13,"start":32.059998,"end":35.34},{"sentences":[{"text":"Yep.","start":35.34,"end":35.84,"sentiment":"neutral","sentiment_score":0.013816721737384796}],"sentiment":"neutral","sentiment_score":0.013816721737384796,"channel":1,"num_words":1,"start":35.34,"end":35.84},{"sentences":[{"text":"bit of time for me?","start":35.34,"end":36.48,"sentiment":"neutral","sentiment_score":0.018337497487664223}],"sentiment":"neutral","sentiment_score":0.018337497487664223,"channel":0,"num_words":5,"start":35.34,"end":36.48},{"sentences":[{"text":"Yes, Hadi.","start":36.379997,"end":37.199997,"sentiment":"neutral","sentiment_score":0.09139404818415642}],"sentiment":"neutral","sentiment_score":0.09139404818415642,"channel":1,"num_words":2,"start":36.379997,"end":37.199997},{"sentences":[{"text":"Amazing.","start":37.82,"end":38.3,"sentiment":"positive","sentiment_score":0.3489477038383484},{"text":"So I've got a bit of an annual review pack that I will send through to you.","start":38.3,"end":42.079998,"sentiment":"neutral","sentiment_score":0.18016411364078522},{"text":"Just","start":42.14,"end":42.525,"sentiment":"neutral","sentiment_score":0.06083300337195397}],"sentiment":"neutral","sentiment_score":0.1827668757422974,"channel":0,"num_words":19,"start":37.82,"end":42.525},{"sentences":[{"text":"Yep.","start":42.575,"end":43.075,"sentiment":"neutral","sentiment_score":0.04197924584150314}],"sentiment":"neutral","sentiment_score":0.04197924584150314,"channel":1,"num_words":1,"start":42.575,"end":43.075},{"sentences":[{"text":"while I'm sending that through, could I please confirm for security your date of birth and address?","start":42.605003,"end":47.745003,"sentiment":"neutral","sentiment_score":0.045723024755716324}],"sentiment":"neutral","sentiment_score":0.045723024755716324,"channel":0,"num_words":17,"start":42.605003,"end":47.745003},{"sentences":[{"text":"Yep.","start":48.335,"end":48.735,"sentiment":"neutral","sentiment_score":0.014086569659411907},{"text":"Eighteenth of the eighth nineteen eighty two.","start":48.735,"end":51.075,"sentiment":"neutral","sentiment_score":0.02158532650875194},{"text":"Address is 10 Prince Street, Picnic Point, New South Wales 2213.","start":51.215,"end":55.44,"sentiment":"neutral","sentiment_score":0.03132382373918186}],"sentiment":"neutral","sentiment_score":0.026828732439561895,"channel":1,"num_words":19,"start":48.335,"end":55.44},{"sentences":[{"text":"Sensational.","start":55.965,"end":56.465,"sentiment":"neutral","sentiment_score":0.14683204889297485},{"text":"Thank you for that.","start":56.685,"end":57.57,"sentiment":"positive","sentiment_score":0.41706135123968124},{"text":"And I'm registered with ASIC as Adviser 1273105.","start":57.57,"end":61.51,"sentiment":"neutral","sentiment_score":0.13176155276596546},{"text":"Now, Lucia, is there anything in particular that you had in mind to focus on for this annual review?","start":63.17,"end":69.11,"sentiment":"neutral","sentiment_score":0.04615764221862743}],"sentiment":"neutral","sentiment_score":0.11706765869166702,"channel":0,"num_words":32,"start":55.965,"end":69.11},{"sentences":[{"text":"No.","start":70.855,"end":70.975006,"sentiment":"neutral","sentiment_score":-0.0450313538312912},{"text":"I guess it's just more a health check.","start":70.975006,"end":72.854996,"sentiment":"neutral","sentiment_score":-0.04218384134583175},{"text":"Are we tracking for the 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look.","start":79.495,"end":81.495,"sentiment":"neutral","sentiment_score":-0.0007360785014250062},{"text":"Probably had one question.","start":81.495,"end":83.435,"sentiment":"neutral","sentiment_score":-0.0260561709292233}],"sentiment":"neutral","sentiment_score":-0.00453169064839249,"channel":1,"num_words":23,"start":76.695,"end":83.435},{"sentences":[{"text":"Yeah.","start":84.125,"end":84.445,"sentiment":"neutral","sentiment_score":-0.008636959828436375},{"text":"Absolutely.","start":84.445,"end":84.945,"sentiment":"neutral","sentiment_score":-0.012416618876159193}],"sentiment":"neutral","sentiment_score":-0.010526789352297783,"channel":0,"num_words":2,"start":84.125,"end":84.945},{"sentences":[{"text":"People took me other I don't know, like, when we said all these stuff and we did all the research.","start":84.62,"end":89.340004,"sentiment":"neutral","sentiment_score":-0.0475850373506546},{"text":"I think it's it's the income 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it?","start":103.275,"end":105.435005,"sentiment":"neutral","sentiment_score":-0.06013876779211892},{"text":"Like like everything?","start":105.435005,"end":106.495,"sentiment":"neutral","sentiment_score":-0.04405174901088079},{"text":"Just","start":107.115005,"end":107.435,"sentiment":"neutral","sentiment_score":-0.05250190198421478}],"sentiment":"neutral","sentiment_score":-0.030218410950440627,"channel":1,"num_words":26,"start":99.755005,"end":107.435},{"sentences":[{"text":"Yeah.","start":107.155,"end":107.655,"sentiment":"neutral","sentiment_score":-0.060492560267448425}],"sentiment":"neutral","sentiment_score":-0.060492560267448425,"channel":0,"num_words":1,"start":107.155,"end":107.655},{"sentences":[{"text":"from a cost.","start":107.435,"end":108.155,"sentiment":"neutral","sentiment_score":-0.10505217810471852},{"text":"I just don't know what the value is it in it is.","start":108.155,"end":111.295,"sentiment":"neutral","sentiment_score":-0.15927548644443354}],"sentiment":"neutral","sentiment_score":-0.14843082477649053,"channel":1,"num_words":15,"start":107.435,"end":111.295},{"sentences":[{"text":"Yep.","start":111.795,"end":112.195,"sentiment":"neutral","sentiment_score":-0.010569046251475813},{"text":"Okay.","start":112.195,"end":112.435005,"sentiment":"neutral","sentiment_score":-0.031031964346766472},{"text":"I can definitely go through that with you today.","start":112.435005,"end":114.275,"sentiment":"positive","sentiment_score":0.7150070601039462},{"text":"I've got your certificate of currency up for the income 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of my head.","start":195.335,"end":196.455,"sentiment":"neutral","sentiment_score":-0.007057962406958852},{"text":"I've just got for tax.","start":196.455,"end":197.52,"sentiment":"neutral","sentiment_score":0.03243063949048519},{"text":"They've sent me how much I paid for the year, and","start":197.52,"end":200.62,"sentiment":"neutral","sentiment_score":0.042585701258345085}],"sentiment":"neutral","sentiment_score":0.025269138019369995,"channel":1,"num_words":23,"start":195.335,"end":200.62},{"sentences":[{"text":"Yeah.","start":200.185,"end":200.685,"sentiment":"neutral","sentiment_score":0.1633525192737579},{"text":"Perfect.","start":200.74501,"end":201.24501,"sentiment":"positive","sentiment_score":0.5089600682258606}],"sentiment":"positive","sentiment_score":0.33615629374980927,"channel":0,"num_words":2,"start":200.185,"end":201.24501},{"sentences":[{"text":"it just goes 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that cash flow for.","start":291.5,"end":297.435,"sentiment":"neutral","sentiment_score":0.12417091115524895}],"sentiment":"neutral","sentiment_score":0.12417091115524895,"channel":0,"num_words":19,"start":291.5,"end":297.435},{"sentences":[{"text":"Yes.","start":299.345,"end":299.845,"sentiment":"neutral","sentiment_score":0.0960899218916893}],"sentiment":"neutral","sentiment_score":0.0960899218916893,"channel":1,"num_words":1,"start":299.345,"end":299.845},{"sentences":[{"text":"Now one consideration that you could have, it may not be possible right now, but if, for example, we could get an income protection policy paid through your superannuation, That would obviously save you the premiums coming out of pocket as long as the contributions and growth could kind of handle the cost similar to how it handles your life insurance cost.","start":300.635,"end":323.72,"sentiment":"neutral","sentiment_score":0.08793548458526211}],"sentiment":"neutral","sentiment_score":0.08793548458526211,"channel":0,"num_words":62,"start":300.635,"end":323.72},{"sentences":[{"text":"Okay.","start":324.03497,"end":324.53497,"sentiment":"neutral","sentiment_score":0.002957809716463089}],"sentiment":"neutral","sentiment_score":0.002957809716463089,"channel":1,"num_words":1,"start":324.03497,"end":324.53497},{"sentences":[{"text":"K?","start":325.22,"end":325.72,"sentiment":"neutral","sentiment_score":-0.002227167598903179},{"text":"Now with that income protection through NRMA, I know that it's just been end of financial year and tax returns and everything.","start":325.995,"end":333.135,"sentiment":"neutral","sentiment_score":-0.017748873342167248}],"sentiment":"neutral","sentiment_score":-0.017074016570720985,"channel":0,"num_words":23,"start":325.22,"end":333.135},{"sentences":[{"text":"Yep.","start":333.4,"end":333.9,"sentiment":"neutral","sentiment_score":0.0007013268768787384}],"sentiment":"neutral","sentiment_score":0.0007013268768787384,"channel":1,"num_words":1,"start":333.4,"end":333.9},{"sentences":[{"text":"Are you considering canceling it?","start":333.435,"end":335.195,"sentiment":"neutral","sentiment_score":-0.0920293390750885},{"text":"Are you thinking of alternatives?","start":335.195,"end":336.575,"sentiment":"neutral","sentiment_score":-0.10941091030836106},{"text":"Are you wanting to see if it is a good value 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spoke","start":347.415,"end":348.135,"sentiment":"neutral","sentiment_score":-0.1106480856736501}],"sentiment":"neutral","sentiment_score":-0.24259439062687657,"channel":1,"num_words":31,"start":340.91998,"end":348.135},{"sentences":[{"text":"Yep.","start":347.94,"end":348.44,"sentiment":"neutral","sentiment_score":-0.10291820764541626}],"sentiment":"neutral","sentiment_score":-0.10291820764541626,"channel":0,"num_words":1,"start":347.94,"end":348.44},{"sentences":[{"text":"to him and the salesman, he basically went, you've been with us for such a long time.","start":348.135,"end":353.815,"sentiment":"neutral","sentiment_score":-0.15139557289726593},{"text":"We don't want you to lose it, so we lowered the value.","start":353.815,"end":356.39502,"sentiment":"neutral","sentiment_score":-0.3255675286054611},{"text":"So now I'm like yeah.","start":356.91,"end":358.93,"sentiment":"neutral","sentiment_score":-0.24331986904144287},{"text":"I 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period.","start":1763.235,"end":1766.51,"sentiment":"neutral","sentiment_score":-0.32021490670740604},{"text":"You mentioned at the start of the call being quite risk averse.","start":1767.8501,"end":1770.99,"sentiment":"negative","sentiment_score":-0.347153144578139},{"text":"So","start":1771.29,"end":1771.6901,"sentiment":"neutral","sentiment_score":-0.11817587167024612}],"sentiment":"neutral","sentiment_score":-0.28943717064192664,"channel":0,"num_words":52,"start":1751.075,"end":1771.6901},{"sentences":[{"text":"Yes.","start":1771.3301,"end":1771.8301,"sentiment":"neutral","sentiment_score":-0.051382385194301605}],"sentiment":"neutral","sentiment_score":-0.051382385194301605,"channel":1,"num_words":1,"start":1771.3301,"end":1771.8301},{"sentences":[{"text":"I wanted to just quickly ask you because you're in that growth profile, you're kind of at, like, a a four out of five on the risk profile.","start":1771.6901,"end":1779.515,"sentiment":"neutral","sentiment_score":-0.024377730109595826},{"text":"You're not high risk, but you're still primarily focusing on growth.","start":1779.815,"end":1784.475,"sentiment":"neutral","sentiment_score":-0.03555235165086659},{"text":"And what that means is you've got 80% in, like, shares and property rather than 90 or a 100%.","start":1784.775,"end":1792.08,"sentiment":"neutral","sentiment_score":-0.0014332754439429236},{"text":"Now","start":1794.32,"end":1794.82,"sentiment":"neutral","sentiment_score":0.03227545693516731}],"sentiment":"neutral","sentiment_score":-0.018112018436067186,"channel":0,"num_words":59,"start":1771.6901,"end":1794.82},{"sentences":[{"text":"Yep.","start":1794.5599,"end":1795.0599,"sentiment":"neutral","sentiment_score":0.0684853345155716}],"sentiment":"neutral","sentiment_score":0.0684853345155716,"channel":1,"num_words":1,"start":1794.5599,"end":1795.0599},{"sentences":[{"text":"because the returns are all percentage based in super, what tends to happen is as you build up your bigger balance, that 10% return up and down, that's gonna be a bigger portion of your balance.","start":1795.36,"end":1806.955,"sentiment":"neutral","sentiment_score":0.07008704284412993},{"text":"So what you're gonna start noticing now is that your super from 277,000, it could go back down to $2.50, and then it could be at 300,000 this time next year.","start":1807.095,"end":1817.835,"sentiment":"neutral","sentiment_score":0.022412292178600066}],"sentiment":"neutral","sentiment_score":0.04802857611828776,"channel":0,"num_words":67,"start":1795.36,"end":1817.835},{"sentences":[{"text":"Okay.","start":1819.19,"end":1819.69,"sentiment":"neutral","sentiment_score":0.017583202570676804}],"sentiment":"neutral","sentiment_score":0.017583202570676804,"channel":1,"num_words":1,"start":1819.19,"end":1819.69},{"sentences":[{"text":"So what I kind of mean by that is if you get a 10% return of of $500,000, there's $50.","start":1820.215,"end":1827.49,"sentiment":"neutral","sentiment_score":0.016061177919618787},{"text":"But if you only had 30,000 in super, it's $3,000.","start":1827.63,"end":1831.57,"sentiment":"neutral","sentiment_score":-0.026227205246686935},{"text":"So what tends to happen now is that the growth of your super is a lot bigger than the contributions that you're gonna be putting in.","start":1831.79,"end":1839.185,"sentiment":"neutral","sentiment_score":-0.057580205396964},{"text":"It's kind of gonna take you off and get you to those higher amounts more so than what you're putting in.","start":1839.185,"end":1844.885,"sentiment":"neutral","sentiment_score":-0.13834851660898753},{"text":"Now just based off that, Lucia, any concerns on your end when it comes to what I said in terms of the volatility that you've experienced?","start":1847.8251,"end":1854.5,"sentiment":"neutral","sentiment_score":-0.07086825628693287}],"sentiment":"neutral","sentiment_score":-0.06005851792858787,"channel":0,"num_words":103,"start":1820.215,"end":1854.5},{"sentences":[{"text":"No.","start":1857.84,"end":1858.34,"sentiment":"neutral","sentiment_score":-0.25242817401885986}],"sentiment":"neutral","sentiment_score":-0.25242817401885986,"channel":1,"num_words":1,"start":1857.84,"end":1858.34},{"sentences":[{"text":"K.","start":1859.28,"end":1859.78,"sentiment":"neutral","sentiment_score":-0.17649933695793152},{"text":"I'm assuming you're not considering trying to increase risk at this time to try and get a higher return.","start":1861.04,"end":1865.4049,"sentiment":"neutral","sentiment_score":-0.29840721111548574}],"sentiment":"neutral","sentiment_score":-0.29231181740760803,"channel":0,"num_words":20,"start":1859.28,"end":1865.4049},{"sentences":[{"text":"No.","start":1865.735,"end":1866.055,"sentiment":"neutral","sentiment_score":-0.3021872043609619},{"text":"I'm not.","start":1866.055,"end":1866.795,"sentiment":"neutral","sentiment_score":-0.24220824986696243}],"sentiment":"neutral","sentiment_score":-0.2622012346982956,"channel":1,"num_words":3,"start":1865.735,"end":1866.795},{"sentences":[{"text":"K.","start":1867.465,"end":1867.965,"sentiment":"neutral","sentiment_score":-0.0031782202422618866},{"text":"Perfect.","start":1868.105,"end":1868.605,"sentiment":"positive","sentiment_score":0.37709200382232666},{"text":"I think growth is pretty reasonable.","start":1869.465,"end":1871.485,"sentiment":"positive","sentiment_score":0.43247359494368237},{"text":"You've got a good 6 figure income.","start":1871.625,"end":1873.565,"sentiment":"positive","sentiment_score":0.3722745563302721},{"text":"You've got a pretty decent balance for your age, and it's catching up pretty quickly as well.","start":1874.1849,"end":1879.78,"sentiment":"positive","sentiment_score":0.39045748114585876}],"sentiment":"positive","sentiment_score":0.38163920084480196,"channel":0,"num_words":32,"start":1867.465,"end":1879.78},{"sentences":[{"text":"Yep.","start":1880.6,"end":1881.1,"sentiment":"neutral","sentiment_score":0.034943562000989914}],"sentiment":"neutral","sentiment_score":0.034943562000989914,"channel":1,"num_words":1,"start":1880.6,"end":1881.1},{"sentences":[{"text":"The returns, like I I mentioned before, a little bit slower this year.","start":1881.04,"end":1886.0,"sentiment":"neutral","sentiment_score":-0.24282956811097953},{"text":"So normally, when you're in a growth profile, we wanna be aiming for around about nine to 10% average.","start":1886.0,"end":1892.025,"sentiment":"neutral","sentiment_score":0.0019056504886401327},{"text":"Whereas in a single year, it could go up 20%, and it may drop in those, you know, one off bad years where there's a GFC, a COVID, a war breaking out, or something like that, and just get that average over the ten year period over that market cycle of the nine to 10%.","start":1892.885,"end":1911.46,"sentiment":"neutral","sentiment_score":-0.07697229883210226},{"text":"Does that make sense to start with?","start":1911.46,"end":1913.08,"sentiment":"neutral","sentiment_score":-0.007296902260610035}],"sentiment":"neutral","sentiment_score":-0.07877799763562197,"channel":0,"num_words":94,"start":1881.04,"end":1913.08},{"sentences":[{"text":"Yes.","start":1913.3,"end":1913.4601,"sentiment":"neutral","sentiment_score":0.011035460978746414},{"text":"That's it.","start":1913.4601,"end":1914.3601,"sentiment":"neutral","sentiment_score":-0.004057463258504868}],"sentiment":"neutral","sentiment_score":0.0009735114872455592,"channel":1,"num_words":3,"start":1913.3,"end":1914.3601},{"sentences":[{"text":"Cool.","start":1914.74,"end":1915.185,"sentiment":"neutral","sentiment_score":0.08338160812854767},{"text":"So it's only grown by about five or 6% the last twelve months because it kind of went up, went back down, then went back up again.","start":1915.425,"end":1923.765,"sentiment":"neutral","sentiment_score":-0.06255053570149122},{"text":"So it kind","start":1923.905,"end":1924.545,"sentiment":"neutral","sentiment_score":-0.07093290487925212}],"sentiment":"neutral","sentiment_score":-0.05865424420804747,"channel":0,"num_words":31,"start":1914.74,"end":1924.545},{"sentences":[{"text":"Yep.","start":1924.415,"end":1924.915,"sentiment":"neutral","sentiment_score":-0.07022019475698471}],"sentiment":"neutral","sentiment_score":-0.07022019475698471,"channel":1,"num_words":1,"start":1924.415,"end":1924.915},{"sentences":[{"text":"of had that blip in the middle.","start":1924.545,"end":1926.165,"sentiment":"neutral","sentiment_score":-0.11934127339294978},{"text":"So it hasn't gone negative, which is good, but I do wanna warn you that there will be a negative year coming up sometime in the next few years.","start":1926.385,"end":1934.27,"sentiment":"neutral","sentiment_score":-0.24107055314655962}],"sentiment":"neutral","sentiment_score":-0.2174009709722466,"channel":0,"num_words":36,"start":1924.545,"end":1934.27},{"sentences":[{"text":"Okay.","start":1935.0701,"end":1935.5701,"sentiment":"neutral","sentiment_score":-0.02536395564675331}],"sentiment":"neutral","sentiment_score":-0.02536395564675331,"channel":1,"num_words":1,"start":1935.0701,"end":1935.5701},{"sentences":[{"text":"K?","start":1936.25,"end":1936.75,"sentiment":"neutral","sentiment_score":-0.008413562551140785},{"text":"So what I need to do when I'm looking at your investments, because you've got eight different options that we've kind of put together to build a portfolio.","start":1936.8099,"end":1945.315,"sentiment":"neutral","sentiment_score":0.04297600566808667},{"text":"So one of them is like your gold option.","start":1945.455,"end":1947.395,"sentiment":"neutral","sentiment_score":0.07789331674575806},{"text":"One's your shares in America, some cybersecurity, all these different areas.","start":1947.775,"end":1952.355,"sentiment":"neutral","sentiment_score":0.08557365157387474},{"text":"We put them all together, and that makes your nice pie chart.","start":1952.575,"end":1956.0,"sentiment":"neutral","sentiment_score":0.17777947584788004}],"sentiment":"neutral","sentiment_score":0.08148554630089001,"channel":0,"num_words":61,"start":1936.25,"end":1956.0},{"sentences":[{"text":"That's your portfolio with all the different assets.","start":1956.0599,"end":1958.7999,"sentiment":"neutral","sentiment_score":0.11505558528006077},{"text":"When I look at these options here, I'm sent you through a bit of a report just so you can see them as well.","start":1961.1,"end":1967.385,"sentiment":"neutral","sentiment_score":0.08698281180113554},{"text":"Pretty much everybody has had some really strong returns.","start":1967.865,"end":1970.605,"sentiment":"positive","sentiment_score":0.5588967800140381},{"text":"Everything is double digits that I can see.","start":1971.705,"end":1974.045,"sentiment":"positive","sentiment_score":0.5254322215914726},{"text":"Gold's up fantastically 12%.","start":1974.905,"end":1977.165,"sentiment":"positive","sentiment_score":0.5693690776824951}],"sentiment":"neutral","sentiment_score":0.273944099416148,"channel":0,"num_words":53,"start":1956.0599,"end":1977.165},{"sentences":[{"text":"You've got agriculture shares that are up 19%.","start":1977.545,"end":1980.265,"sentiment":"positive","sentiment_score":0.33722905814647675},{"text":"So everything's looking really good.","start":1980.265,"end":1981.68,"sentiment":"positive","sentiment_score":0.5609168410301208},{"text":"You've got a safe portion, that 20% that's not invested in the stock market.","start":1981.92,"end":1986.8201,"sentiment":"neutral","sentiment_score":0.14389399758407048},{"text":"That's up its usual four to 5%, which is pretty standard.","start":1986.9601,"end":1990.26,"sentiment":"neutral","sentiment_score":0.2890633588487452},{"text":"And you've even got some infrastructure that's going up really well, 18% there as well.","start":1990.9601,"end":1995.8601,"sentiment":"positive","sentiment_score":0.3824096868435542}],"sentiment":"neutral","sentiment_score":0.3100523563488474,"channel":0,"num_words":53,"start":1977.545,"end":1995.8601},{"sentences":[{"text":"The only one that's a bit of a concern for me is a Benelong Australian shares option.","start":1996.1849,"end":2001.725,"sentiment":"neutral","sentiment_score":-0.3169247692122179},{"text":"So that one's actually dropped quite significantly compared to the other options.","start":2002.1849,"end":2006.6849,"sentiment":"negative","sentiment_score":-0.4106315126021703},{"text":"It's a portion of your balance, but I would say it has underperformed the other Australian options that are out there.","start":2007.865,"end":2015.76,"sentiment":"neutral","sentiment_score":-0.14879735701140903}],"sentiment":"neutral","sentiment_score":-0.2688008745014667,"channel":0,"num_words":50,"start":1996.1849,"end":2015.76},{"sentences":[{"text":"Okay.","start":2018.35,"end":2018.85,"sentiment":"neutral","sentiment_score":0.089214988052845}],"sentiment":"neutral","sentiment_score":0.089214988052845,"channel":1,"num_words":1,"start":2018.35,"end":2018.85},{"sentences":[{"text":"So what I'm thinking is that overall, the super is not doing too bad, good long term growth, but I think a bit of an engine tune up is kind of warranted where you've been in this for a few years now.","start":2019.58,"end":2031.4451,"sentiment":"neutral","sentiment_score":0.11229399361071132},{"text":"I think I wanna kind of maybe switch out this option at least.","start":2031.4451,"end":2034.505,"sentiment":"neutral","sentiment_score":-0.011632388027814718},{"text":"The","start":2034.805,"end":2034.965,"sentiment":"neutral","sentiment_score":0.08288121223449707}],"sentiment":"neutral","sentiment_score":0.0830001410629068,"channel":0,"num_words":56,"start":2019.58,"end":2034.965},{"sentences":[{"text":"Yep.","start":2034.935,"end":2035.435,"sentiment":"neutral","sentiment_score":0.14989493787288666}],"sentiment":"neutral","sentiment_score":0.14989493787288666,"channel":1,"num_words":1,"start":2034.935,"end":2035.435},{"sentences":[{"text":"other ones are looking really good, but I just wanna kind of knock out the bad apple and put in a good red apple, if that sense.","start":2034.965,"end":2041.7101,"sentiment":"neutral","sentiment_score":0.18252847757604387}],"sentiment":"neutral","sentiment_score":0.18252847757604387,"channel":0,"num_words":27,"start":2034.965,"end":2041.7101},{"sentences":[{"text":"Yes.","start":2041.93,"end":2042.43,"sentiment":"neutral","sentiment_score":0.13356634974479675}],"sentiment":"neutral","sentiment_score":0.13356634974479675,"channel":1,"num_words":1,"start":2041.93,"end":2042.43},{"sentences":[{"text":"So while I'm doing the calls and research regarding the income protection, I'm just gonna look for a bit of an update.","start":2043.29,"end":2050.03,"sentiment":"neutral","sentiment_score":0.024403865957124668},{"text":"I do have one question for you, though.","start":2050.6501,"end":2052.51,"sentiment":"neutral","sentiment_score":-0.002327416092157364},{"text":"In terms","start":2053.93,"end":2054.4102,"sentiment":"neutral","sentiment_score":0.004670897498726845}],"sentiment":"neutral","sentiment_score":0.016487734916154295,"channel":0,"num_words":32,"start":2043.29,"end":2054.4102},{"sentences":[{"text":"Yep.","start":2054.1848,"end":2054.6848,"sentiment":"neutral","sentiment_score":0.03645419701933861}],"sentiment":"neutral","sentiment_score":0.03645419701933861,"channel":1,"num_words":1,"start":2054.1848,"end":2054.6848},{"sentences":[{"text":"of the style of the investment, because Hub twenty four has the most investment options in the country, we're talking about 1,300, I need to whittle it down just a little bit.","start":2054.4102,"end":2063.7349,"sentiment":"neutral","sentiment_score":0.03386314690578729},{"text":"Now we've got a choice between low fee options, passive, or a bit more higher fee to try and get a higher return.","start":2064.115,"end":2072.74,"sentiment":"neutral","sentiment_score":0.08681171614190807},{"text":"And I just wanna know where you kind of lean between the two.","start":2072.74,"end":2075.56,"sentiment":"neutral","sentiment_score":0.037020619672078356},{"text":"And there's no wrong answers cause I can","start":2082.02,"end":2083.6748,"sentiment":"neutral","sentiment_score":-0.03150132608789136}],"sentiment":"neutral","sentiment_score":0.04354667920109166,"channel":0,"num_words":76,"start":2054.4102,"end":2083.6748},{"sentences":[{"text":"No","start":2083.545,"end":2083.865,"sentiment":"neutral","sentiment_score":-0.06666744500398636}],"sentiment":"neutral","sentiment_score":-0.06666744500398636,"channel":1,"num_words":1,"start":2083.545,"end":2083.865},{"sentences":[{"text":"pick","start":2083.6748,"end":2083.9548,"sentiment":"neutral","sentiment_score":-0.1364087611436844}],"sentiment":"neutral","sentiment_score":-0.1364087611436844,"channel":0,"num_words":1,"start":2083.6748,"end":2083.9548},{"sentences":[{"text":"one.","start":2083.865,"end":2084.365,"sentiment":"neutral","sentiment_score":-0.10591033846139908}],"sentiment":"neutral","sentiment_score":-0.10591033846139908,"channel":1,"num_words":1,"start":2083.865,"end":2084.365},{"sentences":[{"text":"a a really good one in either one, but it's really just about that gut feeling of where do you lean between higher returns or lower cost?","start":2083.9548,"end":2092.4148,"sentiment":"neutral","sentiment_score":0.0634252702196439}],"sentiment":"neutral","sentiment_score":0.0634252702196439,"channel":0,"num_words":27,"start":2083.9548,"end":2092.4148},{"sentences":[{"text":"It still be in the growth portfolio though.","start":2097.0698,"end":2099.7898,"sentiment":"neutral","sentiment_score":0.007894736248999834},{"text":"I said it doesn't change.","start":2099.7898,"end":2101.17,"sentiment":"neutral","sentiment_score":-0.029084905982017517}],"sentiment":"neutral","sentiment_score":-0.006328203070622224,"channel":1,"num_words":13,"start":2097.0698,"end":2101.17},{"sentences":[{"text":"Yeah.","start":2101.77,"end":2102.09,"sentiment":"neutral","sentiment_score":0.06852911412715912},{"text":"That's right.","start":2102.09,"end":2102.6501,"sentiment":"neutral","sentiment_score":0.1285715401172638},{"text":"So","start":2102.6501,"end":2102.8901,"sentiment":"neutral","sentiment_score":0.08020897209644318}],"sentiment":"neutral","sentiment_score":0.10147029161453247,"channel":0,"num_words":4,"start":2101.77,"end":2102.8901},{"sentences":[{"text":"That's","start":2102.8298,"end":2103.15,"sentiment":"neutral","sentiment_score":0.04616417735815048}],"sentiment":"neutral","sentiment_score":0.04616417735815048,"channel":1,"num_words":1,"start":2102.8298,"end":2103.15},{"sentences":[{"text":"the risk","start":2102.8901,"end":2103.45,"sentiment":"neutral","sentiment_score":-0.0040345825254917145}],"sentiment":"neutral","sentiment_score":-0.0040345825254917145,"channel":0,"num_words":2,"start":2102.8901,"end":2103.45},{"sentences":[{"text":"what I can","start":2103.15,"end":2103.39,"sentiment":"neutral","sentiment_score":-0.011495652298132578}],"sentiment":"neutral","sentiment_score":-0.011495652298132578,"channel":1,"num_words":3,"start":2103.15,"end":2103.39},{"sentences":[{"text":"profile stays the same.","start":2103.45,"end":2104.81,"sentiment":"neutral","sentiment_score":0.005063220858573914}],"sentiment":"neutral","sentiment_score":0.005063220858573914,"channel":0,"num_words":4,"start":2103.45,"end":2104.81},{"sentences":[{"text":"okay.","start":2104.5898,"end":2105.0898,"sentiment":"neutral","sentiment_score":0.07464451342821121}],"sentiment":"neutral","sentiment_score":0.07464451342821121,"channel":1,"num_words":1,"start":2104.5898,"end":2105.0898},{"sentences":[{"text":"I'm just gonna change the style of the manager.","start":2104.81,"end":2107.1501,"sentiment":"neutral","sentiment_score":0.061089151021507054}],"sentiment":"neutral","sentiment_score":0.061089151021507054,"channel":0,"num_words":9,"start":2104.81,"end":2107.1501},{"sentences":[{"text":"Okay.","start":2107.71,"end":2108.21,"sentiment":"neutral","sentiment_score":0.0470099076628685},{"text":"So then I'd probably go the higher fee.","start":2108.3499,"end":2111.89,"sentiment":"neutral","sentiment_score":0.046865882351994514}],"sentiment":"neutral","sentiment_score":0.046881885164313845,"channel":1,"num_words":9,"start":2107.71,"end":2111.89},{"sentences":[{"text":"Okay.","start":2112.635,"end":2113.135,"sentiment":"neutral","sentiment_score":0.08264367282390594},{"text":"So that's similar style to what it's currently in.","start":2113.195,"end":2116.7952,"sentiment":"neutral","sentiment_score":0.09374674078491}],"sentiment":"neutral","sentiment_score":0.09263643398880958,"channel":0,"num_words":10,"start":2112.635,"end":2116.7952},{"sentences":[{"text":"Okay.","start":2116.7551,"end":2117.2551,"sentiment":"neutral","sentiment_score":0.104527048766613}],"sentiment":"neutral","sentiment_score":0.104527048766613,"channel":1,"num_words":1,"start":2116.7551,"end":2117.2551},{"sentences":[{"text":"So what I'll basically do is I'm just gonna I've got a few people that we've shortlisted.","start":2116.7952,"end":2121.215,"sentiment":"neutral","sentiment_score":0.13524946701877258},{"text":"We've been researching recently,","start":2121.2751,"end":2122.735,"sentiment":"neutral","sentiment_score":0.14869735017418861}],"sentiment":"neutral","sentiment_score":0.13781096857218517,"channel":0,"num_words":21,"start":2116.7952,"end":2122.735},{"sentences":[{"text":"Yep.","start":2123.075,"end":2123.575,"sentiment":"neutral","sentiment_score":0.17441517114639282}],"sentiment":"neutral","sentiment_score":0.17441517114639282,"channel":1,"num_words":1,"start":2123.075,"end":2123.575},{"sentences":[{"text":"and I've got a couple there that I'm gonna compare and do a bit of a switch out like for like for you.","start":2123.27,"end":2128.41,"sentiment":"neutral","sentiment_score":0.1593428659050361}],"sentiment":"neutral","sentiment_score":0.1593428659050361,"channel":0,"num_words":23,"start":2123.27,"end":2128.41},{"sentences":[{"text":"Okay.","start":2128.44,"end":2128.94,"sentiment":"neutral","sentiment_score":0.30551522970199585}],"sentiment":"neutral","sentiment_score":0.30551522970199585,"channel":1,"num_words":1,"start":2128.44,"end":2128.94},{"sentences":[{"text":"Perfect.","start":2130.07,"end":2130.57,"sentiment":"positive","sentiment_score":0.6907613277435303},{"text":"Alrighty.","start":2130.95,"end":2131.45,"sentiment":"positive","sentiment_score":0.3821077346801758},{"text":"Any questions on that so far?","start":2131.51,"end":2133.21,"sentiment":"neutral","sentiment_score":0.19963498413562775},{"text":"Amazing.","start":2134.79,"end":2135.29,"sentiment":"neutral","sentiment_score":0.020952561870217323},{"text":"Now what we can do later on is when you get a bit closer to retirement, I think it would be a good idea to get both of you guys together and just have that sit down of a bit of a joint retirement discussion when it becomes a bit more practical.","start":2135.4849,"end":2151.77,"sentiment":"neutral","sentiment_score":0.3041320345722712}],"sentiment":"neutral","sentiment_score":0.29682782503058674,"channel":0,"num_words":61,"start":2130.07,"end":2151.77},{"sentences":[{"text":"So what I'm sort of thinking is we're focusing on just getting that good growth out of it now, aiming for the age 60 retirement.","start":2151.77,"end":2157.87,"sentiment":"positive","sentiment_score":0.373784995675087},{"text":"But once you're getting close to that last sort of ten to fifteen years, we might tie both of you guys in together for a joint analysis just to see how you're tracking for retirement, how long the funds will last, will it go past life expectancy, do we need to do any other strategies as 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helps checking.","start":2485.405,"end":2486.465,"sentiment":"neutral","sentiment_score":0.237764040629069}],"sentiment":"neutral","sentiment_score":0.2299722619354725,"channel":1,"num_words":4,"start":2484.205,"end":2486.465},{"sentences":[{"text":"Always nice for the old health checkup, as","start":2486.1848,"end":2488.025,"sentiment":"neutral","sentiment_score":0.29181375354528427}],"sentiment":"neutral","sentiment_score":0.29181375354528427,"channel":0,"num_words":8,"start":2486.1848,"end":2488.025},{"sentences":[{"text":"It","start":2487.93,"end":2488.43,"sentiment":"neutral","sentiment_score":0.12152212113142014}],"sentiment":"neutral","sentiment_score":0.12152212113142014,"channel":1,"num_words":1,"start":2487.93,"end":2488.43},{"sentences":[{"text":"they 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okay.","start":2505.885,"end":2507.025,"sentiment":"neutral","sentiment_score":0.08076203241944313},{"text":"So that'd be you.","start":2507.165,"end":2508.145,"sentiment":"neutral","sentiment_score":0.25981663167476654}],"sentiment":"neutral","sentiment_score":0.17028933204710484,"channel":1,"num_words":8,"start":2505.885,"end":2508.145},{"sentences":[{"text":"Easy done.","start":2510.845,"end":2511.405,"sentiment":"positive","sentiment_score":0.5152620077133179},{"text":"I'll put in for the annual review.","start":2511.405,"end":2512.765,"sentiment":"neutral","sentiment_score":0.254472764475005},{"text":"We'll go through the updated strategy in a couple of weeks' time.","start":2512.765,"end":2515.885,"sentiment":"neutral","sentiment_score":0.21589932590723038},{"text":"And 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you","start":2524.56,"end":2525.84,"sentiment":"neutral","sentiment_score":0.01967965004344781}],"sentiment":"neutral","sentiment_score":0.01967965004344781,"channel":0,"num_words":6,"start":2524.56,"end":2525.84},{"sentences":[{"text":"Okay.","start":2525.71,"end":2526.21,"sentiment":"neutral","sentiment_score":0.05432071536779404}],"sentiment":"neutral","sentiment_score":0.05432071536779404,"channel":1,"num_words":1,"start":2525.71,"end":2526.21},{"sentences":[{"text":"once the research is complete,","start":2525.84,"end":2527.3801,"sentiment":"neutral","sentiment_score":0.07967073768377304}],"sentiment":"neutral","sentiment_score":0.07967073768377304,"channel":0,"num_words":5,"start":2525.84,"end":2527.3801},{"sentences":[{"text":"Yep.","start":2527.39,"end":2527.89,"sentiment":"neutral","sentiment_score":0.06570535153150558}],"sentiment":"neutral","sentiment_score":0.06570535153150558,"channel":1,"num_words":1,"start":2527.39,"end":2527.89},{"sentences":[{"text":"and then we'll kind of just book in a suitable","start":2527.6,"end":2530.119,"sentiment":"neutral","sentiment_score":0.05914306491613388}],"sentiment":"neutral","sentiment_score":0.05914306491613388,"channel":0,"num_words":10,"start":2527.6,"end":2530.119},{"sentences":[{"text":"No problem.","start":2531.275,"end":2532.015,"sentiment":"neutral","sentiment_score":0.10759312286973}],"sentiment":"neutral","sentiment_score":0.10759312286973,"channel":1,"num_words":2,"start":2531.275,"end":2532.015},{"sentences":[{"text":"time.","start":2532.359,"end":2532.7588,"sentiment":"neutral","sentiment_score":0.1582995355129242},{"text":"Amazing.","start":2532.7588,"end":2533.239,"sentiment":"positive","sentiment_score":0.7071261405944824},{"text":"Well, thank you so much for your 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so","start":2537.959,"end":2538.439,"sentiment":"positive","sentiment_score":0.6743858059247335}],"sentiment":"positive","sentiment_score":0.5987557768821716,"channel":0,"num_words":5,"start":2537.479,"end":2538.439},{"sentences":[{"text":"Okay.","start":2538.395,"end":2538.795,"sentiment":"positive","sentiment_score":0.46958428621292114}],"sentiment":"positive","sentiment_score":0.46958428621292114,"channel":1,"num_words":1,"start":2538.395,"end":2538.795},{"sentences":[{"text":"much, Lucia.","start":2538.439,"end":2539.0989,"sentiment":"positive","sentiment_score":0.5426812171936035}],"sentiment":"positive","sentiment_score":0.5426812171936035,"channel":0,"num_words":2,"start":2538.439,"end":2539.0989},{"sentences":[{"text":"K.","start":2538.795,"end":2539.295,"sentiment":"neutral","sentiment_score":0.17122234404087067},{"text":"Bye.","start":2539.355,"end":2539.855,"sentiment":"neutral","sentiment_score":0.2128987014293671}],"sentiment":"neutral","sentiment_score":0.19206052273511887,"channel":1,"num_words":2,"start":2538.795,"end":2539.855},{"sentences":[{"text":"Bye.","start":2540.359,"end":2540.859,"sentiment":"neutral","sentiment_score":-0.10699258744716644}],"sentiment":"neutral","sentiment_score":-0.10699258744716644,"channel":0,"num_words":1,"start":2540.359,"end":2540.859}]},"summary":{"result":"success","short":"A representative from Oakview named Tommy discusses the benefits of a comprehensive insurance policy with Lucy, including a short waiting period and a lower premium for those with long waiting periods. They also discuss weight loss medication and the risks of self-insurance. The conversation ends with a focus on reducing risk and researching investment portfolios, as well as discussing retirement plans and a joint retirement discussion. The speaker emphasizes the importance of pulling everything into a offset account and not making salary sacrifice. They also mention a focus on compliance and a follow-up on insurance research."},"intents":{"segments":[{"text":"So I've got a bit of an annual review pack that I will send through to you. Just Yep.","start_word":113,"end_word":131,"intents":[{"intent":"Confirm and send annual review pack","confidence_score":0.0037615763}]},{"text":"while I'm sending that through, could I please confirm for security your date of birth and address? Yep.","start_word":132,"end_word":149,"intents":[{"intent":"Confirm security for date of birth and address","confidence_score":0.00044290262},{"intent":"Confirm business card","confidence_score":0.0000041059498}]},{"text":"People took me other I don't know, like, when we said all these stuff and we did all the research. I think it's it's the income protection. One of the insurances, we couldn't do through the super. So I do it separately through NRMA, Yes.","start_word":252,"end_word":296,"intents":[{"intent":"Discuss income protection and insurance coverage","confidence_score":0.012077989}]},{"text":"shorter, which is good. They can pay you monthly for up to six months. Okay. Now that's not a, what I would call, a comprehensive policy because normally, the policies that we go through, whether it's personally or through super, the benefit period is more two years, five years, or up to the age of 65.","start_word":703,"end_word":758,"intents":[{"intent":"Educate about benefits","confidence_score":0.00069613795}]},{"text":"don't see any value in it. I just think it's better not having it and saving that $1,200 and putting that towards health insurance or whatever else that, you know, like, it can go towards the mortgage. Yeah.","start_word":1158,"end_word":1195,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.24597386}]},{"text":"it comes to NRMA look. I'll I'll go through the questions when it comes to trying to obtain an alternative Okay. policy, but I do know that there I believe there may have been some trouble initially trying to get a policy in Yeah. place.","start_word":1480,"end_word":1524,"intents":[{"intent":"Understand policy issues","confidence_score":0.00008244876}]},{"text":"And was that mainly down to was it, I'm assuming, health concerns It it more was so than a health. occupation?","start_word":1528,"end_word":1548,"intents":[{"intent":"Discuss health concerns","confidence_score":0.23831691}]},{"text":"Because I'll be honest, I don't remember the questions now, but I've been pretty good help for the past four or five years. I've had nothing made to happen. Yep.","start_word":1592,"end_word":1621,"intents":[{"intent":"Express gratitude for help","confidence_score":0.0001481793}]},{"text":"I know I had a blood clot twenty twenty one. I think because I've had endometriosis that was active Yes.","start_word":1644,"end_word":1663,"intents":[{"intent":"Discuss clot and endometriosis","confidence_score":0.005702386}]},{"text":"And I do have to ask because this is kind of my job to hunt around for people and try and find the best deal is just any current medications that you you currently own, or you offer medications altogether? Yep.","start_word":1764,"end_word":1804,"intents":[{"intent":"Find and compare medications","confidence_score":0.013516585}]},{"text":"do obviously check BMI is pretty Yep.","start_word":1831,"end_word":1837,"intents":[{"intent":"Determine bmi","confidence_score":0.036932018},{"intent":"Determine bmi","confidence_score":0.075931445}]},{"text":"And in terms of weight loss, do you have a bit of an idea of, like, the last twelve months, last six months, kind of what the weight loss journey has been like for you?","start_word":2067,"end_word":2101,"intents":[{"intent":"Determine weight loss journey","confidence_score":0.40086862}]},{"text":"The journey sort of started September last year.","start_word":2122,"end_word":2129,"intents":[{"intent":"Review project progress","confidence_score":0.0015780341}]},{"text":"I did have you on a higher duties last year where you had gone from about a 125,000 up to a 188. Do you know what you've kind of ended the financial year on?","start_word":2580,"end_word":2613,"intents":[{"intent":"Provide status","confidence_score":0.000058878664},{"intent":"Report situation","confidence_score":0.008462732}]},{"text":"I did have you on a higher duties last year where you had gone from about a 125,000 up to a 188. Do you know what you've kind of ended the financial year on? No.","start_word":2580,"end_word":2614,"intents":[{"intent":"Report experience","confidence_score":0.00003566926}]},{"text":"I oh, it's been horrible two weeks. Been a horrible we don't wanna go there. Been lots of tears. It's not been great, but we're Yep. pushing along. Yeah. Like I said, I had a two month holiday when I went back for a little bit. So it's a growth and learning opportunity. I've learned a lot. Yeah. Yeah.","start_word":2688,"end_word":2746,"intents":[{"intent":"Offer assistance","confidence_score":0.01685884}]},{"text":"So I might base it off the $1.50 for now Yep.","start_word":2789,"end_word":2799,"intents":[{"intent":"Base price","confidence_score":0.046828188}]},{"text":"if I you're don't okay wanna with yeah. That's fine because I don't know. At the moment, I'm here for till December, but you don't know. So, yeah, I'd rather just use the bait. Don't you? that.","start_word":2836,"end_word":2872,"intents":[{"intent":"Clarify eligibility","confidence_score":0.0017058287}]},{"text":"And when it comes to the benefit and waiting period, I said before that that thirty days is pretty standard. Yep.","start_word":2874,"end_word":2894,"intents":[{"intent":"Discuss eligibility","confidence_score":0.00049056765},{"intent":"Explain benefits","confidence_score":0.024697788}]},{"text":"You can go cover all the way up to the age of 65, five years, or two years, so you kind of go short, medium, or long term with it. But the main question first is waiting period. Do you want me to do, like, a thirty day standard, push it out to sixty or ninety days because you've got the savings behind you and make it a bit more affordable? What would be your preference there?","start_word":2895,"end_word":2971,"intents":[{"intent":"Offer options","confidence_score":0.009791452},{"intent":"Determine preferred duration","confidence_score":0.00086579996},{"intent":"Consider options","confidence_score":0.01130997},{"intent":"Consider options","confidence_score":0.027060127}]},{"text":"Do you want me to do, like, a thirty day standard, push it out to sixty or ninety days because you've got the savings behind you and make it a bit more affordable? What would be your preference there?","start_word":2933,"end_word":2971,"intents":[{"intent":"Clarify preference","confidence_score":0.015506763}]},{"text":"What would be your preference there?","start_word":2966,"end_word":2971,"intents":[{"intent":"Clarify preferences","confidence_score":0.009382172},{"intent":"Express preference","confidence_score":0.04860037},{"intent":"Clarify preferences","confidence_score":0.0041530137}]},{"text":"So we'll go sixty days. And if nothing comes of it, I'll still keep this on file so that when we go for it again, we can at least go through those preferences. Yep.","start_word":3016,"end_word":3049,"intents":[{"intent":"Provide recommendation","confidence_score":0.00029674958}]},{"text":"Age 65. Five year, two year.","start_word":3124,"end_word":3129,"intents":[{"intent":"Confirm age","confidence_score":0.001035176},{"intent":"Confirm age","confidence_score":0.012878548},{"intent":"Discuss age","confidence_score":0.0028160682}]},{"text":"When it comes to your occupation, that's gonna be really good for pricing.","start_word":3185,"end_word":3197,"intents":[{"intent":"Negotiate job requirements","confidence_score":0.00013052288}]},{"text":"I'm not too sure. That's alright. And while you're doing that, I'm just gonna see if I can get a quick valuation update Picnic on Point, where were two eighteen?","start_word":3874,"end_word":3903,"intents":[{"intent":"Request valuation update","confidence_score":0.11045831}]},{"text":"Have there been any major changes to Wheeler Street or Sunset Drive in terms of value or loan structures and amounts? No.","start_word":3909,"end_word":3930,"intents":[{"intent":"Update information","confidence_score":0.16700196}]},{"text":"I still have the the main residence valued at about 1,700,000. That's what I'm seeing online as well. So would it be safe to Yep. kind of leave those three as they are? Or Yes.","start_word":3932,"end_word":3966,"intents":[{"intent":"Leave three properties","confidence_score":0.6594249}]},{"text":"would you like me to call this one? Should I put a a straight I'll down give you for a that one as well?","start_word":4156,"end_word":4179,"intents":[{"intent":"Call one","confidence_score":0.10403644}]},{"text":"I'll give you the suburb because they're all big suburb that you've got at the moment.","start_word":4180,"end_word":4195,"intents":[{"intent":"Explain suburb","confidence_score":0.00037004013}]},{"text":"Lucille, before I jump into the portfolio side of things for the super, I just wanted to double check in terms of cash flow priorities and belts. We do have a bit of an earlier retirement flag for you guys aiming for that age 60 where you can access your super. I'm Yep.","start_word":4384,"end_word":4436,"intents":[{"intent":"Assess portfolio priorities","confidence_score":0.004114148}]},{"text":"Now just based off that, Lucia, any concerns on your end when it comes to what I said in terms of the volatility that you've experienced?","start_word":5220,"end_word":5245,"intents":[{"intent":"Analyze market volatility","confidence_score":0.049895737}]},{"text":"I think I wanna kind of maybe switch out this option at least. The Yep.","start_word":5729,"end_word":5743,"intents":[{"intent":"Switch options","confidence_score":0.059077322}]},{"text":"So while I'm doing the calls and research regarding the income protection, I'm just gonna look for a bit of an update.","start_word":5772,"end_word":5793,"intents":[{"intent":"Research investment options","confidence_score":0.013486904}]},{"text":"So what I'll basically do is I'm just gonna I've got a few people that we've shortlisted. We've been researching recently, Yep. and I've got a couple there that I'm gonna compare and do a bit of a switch out like for like for you. Okay.","start_word":5968,"end_word":6013,"intents":[{"intent":"Compare options","confidence_score":0.24429277}]},{"text":"Alrighty. Any questions on that so far? Amazing.","start_word":6015,"end_word":6022,"intents":[{"intent":"Express gratitude","confidence_score":0.052896217}]},{"text":"Any questions on that so far? Amazing.","start_word":6016,"end_word":6022,"intents":[{"intent":"Ask questions","confidence_score":0.09628465}]},{"text":"So what I'm sort of thinking is we're focusing on just getting that good growth out of it now, aiming for the age 60 retirement.","start_word":6075,"end_word":6099,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.11621867}]},{"text":"I'll update the projections based off of the new strategies as well.","start_word":6416,"end_word":6427,"intents":[{"intent":"Update projections","confidence_score":0.52313405}]},{"text":"have you ever used the the Odoo sign system And before? if I've used all these lines. It is our kind of new one that we moved Okay.","start_word":6450,"end_word":6477,"intents":[{"intent":"Change sign feature","confidence_score":0.0000077488185}]},{"text":"So at the back, there is a couple of documents for signing. So I wanna just quickly walk you through in? them.","start_word":6593,"end_word":6614,"intents":[{"intent":"Talk about documents","confidence_score":0.00049361197}]},{"text":"So do I need to sign that hub to sorry. That the that content to ongoing fee for hub 24, do I need to sign that page? Have.","start_word":6725,"end_word":6752,"intents":[{"intent":"Confirm sign need for hub 24, Suggest resignation","confidence_score":1.1759075e-11}]},{"text":"So please there sign should below, but be I can't click in there to sign.","start_word":6757,"end_word":6771,"intents":[{"intent":"Clarify sign requirement","confidence_score":0.014222523}]},{"text":"I think it won't let me do anything. Maybe it's the iPad. I'm gonna do wrong computer instead. your finger. And I if can't click that doesn't in there. work, That's usually all. the purple buttons off to the side kind of bring you to the spot. Yeah.","start_word":6819,"end_word":6866,"intents":[{"intent":"Fix issue","confidence_score":0.01753842}]}]},"sentiments":{"segments":[{"text":"Hello? Good evening, Lucy. It's Tommy here, senior adviser from Oakview. How are you doing today? Good. How are you?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.200949564576149},{"text":"I'm doing absolutely fantastic. It's a beautiful cool night.","start_word":20,"end_word":28,"sentiment":"positive","sentiment_score":0.7306352257728577},{"text":"What about your end? It it is cool over here too. It's doing Probably well. a bit Yes. cold in Queensland, I imagine, but Yes. Yes. we get by, hopefully, rugged up. Yes. We are. Perfect. All the Now windows I'm just are giving shut.","start_word":29,"end_word":73,"sentiment":"neutral","sentiment_score":0.13138853013515472},{"text":"perfect.","start_word":74,"end_word":74,"sentiment":"positive","sentiment_score":0.3935079276561737},{"text":"We've got the aircon going on heater at the Yep.","start_word":75,"end_word":84,"sentiment":"neutral","sentiment_score":0.24170328676700592},{"text":"moment, so nice and fun.","start_word":85,"end_word":89,"sentiment":"positive","sentiment_score":0.5405387282371521},{"text":"Yep. I'm just going through your annual review today. Do you still have a bit Yep. of time for me? Yes, Hadi.","start_word":90,"end_word":111,"sentiment":"neutral","sentiment_score":0.052483733743429184},{"text":"Amazing.","start_word":112,"end_word":112,"sentiment":"positive","sentiment_score":0.3489477038383484},{"text":"So I've got a bit of an annual review pack that I will send through to you. Just Yep. while I'm sending that through, could I please confirm for security your date of birth and address? Yep. Eighteenth of the eighth nineteen eighty two. Address is 10 Prince Street, Picnic Point, New South Wales 2213. Sensational.","start_word":113,"end_word":168,"sentiment":"neutral","sentiment_score":0.07781189680099487},{"text":"Thank you for that.","start_word":169,"end_word":172,"sentiment":"positive","sentiment_score":0.4097974896430969},{"text":"And I'm registered with ASIC as Adviser 1273105. Now, Lucia, is there anything in particular that you had in mind to focus on for this annual review? No. I guess it's just more a health check. Are we tracking for the use? Yep. Just a bit of a general update kind of Just thing. a yeah. I I I look into it. I see for every now and then I have a look. Probably had one question. Yeah. Absolutely. People took me other I don't know, like, when we said all these stuff and we did all the research. I think it's it's the income protection. One of the insurances, we couldn't do through the super. So I do it separately through NRMA, Yes. But it's just I'm and I know so I catch you in too. If you don't have it, will you need it? Like like everything? Just Yeah. from a cost. I just don't know what the value is it in it is. Yep. Okay.","start_word":173,"end_word":340,"sentiment":"neutral","sentiment_score":-0.017604762688279152},{"text":"I can definitely go through that with you today.","start_word":341,"end_word":349,"sentiment":"positive","sentiment_score":0.7160648703575134},{"text":"I've got your certificate of currency up for the income protection. Yes. It's the life So insurance. Sorry. It's the life insurance that I do through NRMA. The sickness and injury cover. oh, yes. Yes. Yes. So Yeah. the way the NRMA policies are a little bit different than a standard income protection policy. So sickness and injury, they're your two areas of claims. Okay. So illness Yep. and, like, you know, car accidents and injuries and things like that that prevents you from going to work. So Okay. as a little bit of a quick overview, on your hub twenty four super, Yes. we have the insurances that we had transferred across into the account. That's your life insurance and total disability insurance through the super. So that's 340 just under 342,000 in the Yep. event of death or total disability. It's a lump sum.","start_word":350,"end_word":495,"sentiment":"neutral","sentiment_score":0.03895614296197891},{"text":"That one's nice and cheap.","start_word":496,"end_word":500,"sentiment":"positive","sentiment_score":0.5240650177001953},{"text":"That one's $431 per year. Yep. Now when it comes to the NRMA policy, what's left over here for the the income side of things, there's a waiting and a benefit period. Do you remember how those work? Not off the top of my head. I've just got for tax. They've sent me how much I paid for the year, and Yeah.","start_word":501,"end_word":562,"sentiment":"neutral","sentiment_score":0.06961037218570709},{"text":"Perfect. it just goes up.","start_word":563,"end_word":567,"sentiment":"positive","sentiment_score":0.4186140596866608},{"text":"It does. And the problem with stepped policies too, that used to be able to do level policies that didn't go up as much. But Yep. with step policies, it really does go up quite a bit each year, especially through the later years as well. Yep. So once you hit, like, 50 plus, it wouldn't surprise me if it was jumping Oh, up 20 wow. to 40% per year. And before you know it, you're 58 years old and you're paying $7,500 for this policy. Yep. Now it's 4,000 a month worth of cover, and the way the the periods work is you have a waiting period. So if you're out of work for more than twenty eight days, which is pretty standard, thirty days is usually standard. It's a little bit Yep.","start_word":568,"end_word":701,"sentiment":"neutral","sentiment_score":-0.007340116892009973},{"text":"shorter, which is good. They can pay you monthly for up to six months.","start_word":702,"end_word":715,"sentiment":"positive","sentiment_score":0.4821767807006836},{"text":"Okay. Now that's not a, what I would call, a comprehensive policy because normally, the policies that we go through, whether it's personally or through super, the benefit period is more two years, five years, or up to the age of 65. So you have a very short benefit period. It's very, very short term Yes. illnesses and injuries, if that makes sense. Now what I can kind of see for the Yes. It is. Yeah. sense. Now what I can kind of see for the premiums on that one is that it is about 1,200 a year out of pocket.","start_word":716,"end_word":816,"sentiment":"neutral","sentiment_score":0.05907747149467468},{"text":"And, yes, you can claim that as a tax deduction as well, which is nice.","start_word":817,"end_word":831,"sentiment":"positive","sentiment_score":0.46765443682670593},{"text":"Get a chunk out of that to drop it below a thousand dollars. But Yep. affordability really is a question of cash flow and priorities for what you wanna use that cash flow for. Yes. Now one consideration that you could have, it may not be possible right now, but if, for example, we could get an income protection policy paid through your superannuation, That would obviously save you the premiums coming out of pocket as long as the contributions and growth could kind of handle the cost similar to how it handles your life insurance cost. Okay. K? Now with that income protection through NRMA, I know that it's just been end of financial year and tax returns and everything. Yep. Are you considering canceling it? Are you thinking of alternatives? Are you wanting to see if it is a good value policy? No. I I'm thinking to cancel it. I think I think it was two years ago I got it, and I went, I just can't do this anymore. So I spoke Yep. to him and the salesman, he basically went, you've been with us for such a long time. We don't want you to lose it, so we lowered the value. So now I'm like yeah. I know. Like, they got me. And now I'm like, the tech the paperwork came, and I was like, I don't see value in it. And and like I said, it's very short period. For what you get, I don't know if there's value in it. But And that's not it's where I look a thousand at. So dollars that 6 a week months before tax. So yeah. if you're off work for six months, you'd be getting, what, $75,800 a That's week. what I mean.","start_word":832,"end_word":1127,"sentiment":"neutral","sentiment_score":-0.08373516405353675},{"text":"And that that's not even close to what I'm making. So it's not even a life for life when you look at the income, I guess.","start_word":1128,"end_word":1153,"sentiment":"negative","sentiment_score":-0.3954244256019592},{"text":"So I just Yeah.","start_word":1154,"end_word":1157,"sentiment":"neutral","sentiment_score":-0.2259822338819504},{"text":"don't see any value in it.","start_word":1158,"end_word":1163,"sentiment":"negative","sentiment_score":-0.49377208948135376},{"text":"I just think it's better not having it and saving that $1,200 and putting that towards health insurance or whatever else that, you know, like, it can go towards the mortgage. Yeah. Groceries, Absolutely. to And, be honest. look, Like essentially, we're all doing yeah. it tough at the moment, That's and right. and the risk trade off is essentially if you don't value the policy, Yeah. obviously, you understand that there's a risk That's of not of having course. that cover there. Yep. But, you know, I can't put words in your mouth and say this is what you should have. Everyone's different when it comes to insurance. And if you're happy to self insure and maybe build up your savings instead for a similar situation, where if you're off work for a couple of months, you've got the savings to back you, that is a form of self insurance. Yep. Yep. And see, I'd rather do that. I've always got a cash buffer because that's just how I am. I'm, you know, a risk of it. So I've always got that Yep. there. And I just think yeah. Like you were saying, you gotta be more than a month. It's only for six months.","start_word":1164,"end_word":1369,"sentiment":"neutral","sentiment_score":-0.13358654081821442},{"text":"The more I look at that, I don't see the value in it anymore.","start_word":1370,"end_word":1383,"sentiment":"negative","sentiment_score":-0.35576698184013367},{"text":"I don't see Yeah. what I'm paying. So yeah.","start_word":1384,"end_word":1392,"sentiment":"neutral","sentiment_score":-0.24405956268310547},{"text":"If I can't do it through the Superliver, then I think I'm just gonna end up canceling the NRMA one.","start_word":1393,"end_word":1412,"sentiment":"negative","sentiment_score":-0.4362760782241822},{"text":"Yeah. Look. I have some Yeah. clients who are, you know, early thirties, and they've got the really big mortgage, and they really need it to kind of cover them for that ten to twenty years until they've got their assets built up. But at the same time, like like you said, you've got the savings. You've got the superannuation building up as well. So when Yes. it comes to NRMA look. I'll I'll go through the questions when it comes to trying to obtain an alternative Okay. policy, but I do know that there I believe there may have been some trouble initially trying to get a policy in Yeah. place. Yeah. They were. And was that mainly down to was it, I'm assuming, health concerns It it more was so than a health. occupation? Yes. Yeah. K. Has there been any improvements in the health department that I can kind of go back to some insurers and maybe hunt around a little bit, or do you think it'd Well, be the I similar would think so. outcome? Because I'll be honest, I don't remember the questions now, but I've been pretty good help for the past four or five years. I've had nothing made to happen. Yep. So Nothing because for four it's or five years. I think Now look. when I it can't remember what question they asked. I know I had a blood clot twenty twenty one. I think because I've had endometriosis that was active Yes. in there. That might have been one. They're really the only two that I can think of. My health medical. I don't have diabetes. I don't have a heart condition. I don't have blood pressure. So you have yeah. No So cholesterol. no cholesterol. Nothing No. like that. So blood clot and endometriosis Yes. is the And the blood only clot was concerns. from a medication. I It will wasn't ask is from anything else. So it was like a reaction to a medication, which I've now been, you know, my trial, you know, allergic to this medication. perfect. And I do have to ask because this is kind of my job to hunt around for people and try and find the best deal is just any current medications that you you currently own, or you offer medications altogether? Yep. I'm on Ozempic, Ozempic. the weight loss medication. That's it. From Now a prescription if you're on point Ozempic of view. for Yeah. weight loss, they Yes. do obviously check BMI is pretty Yep. big for when it comes to pricing. And then also, if there's any I I've got a few friends that have done, like, the lap band surgery and had a Okay. significant Yeah. weight loss. And then if they've had a significant weight loss, you have to kind of keep it off for a period of time. Otherwise, they kind of add half of it back on, if that Okay. makes sense. So no no surgery. It's just the weight loss. It's Yep. being So my no surgery. I don't know what my BMI is. I have to go online Well, and find out. if you have, I can actually just do that quickly with you now. Okay. So what I need to do so we've got a 160 centimeters on Yes. file for height. Yes. I haven't grown yet. Perfect. Look, I've actually seen somewhere five years later. I'm like, why are you five centimeters tall or shorter than what you first said? But anyway, Can that's I understand? Sure. cool. People do shrink as I get older. Yes. This is true. This is true. I think some guys, though, told me some tattletales early on. That's all. Okay. So I will get from you either current kilos or pounds for weight, and I'll plug that in. The ninety one kilos. Ninety one. Alright. Thirty five point five. And in terms of weight loss, do you have a bit of an idea of, like, the last twelve months, last six months, kind of what the weight loss journey has been like for you?","start_word":1413,"end_word":2101,"sentiment":"neutral","sentiment_score":-0.010348576506267266},{"text":"That would be very helpful, yeah, if we just kind of give them an idea anonymously.","start_word":2102,"end_word":2117,"sentiment":"positive","sentiment_score":0.523280143737793},{"text":"Okay. So that's yeah. The journey sort of started September last year. Okay. September 2025. And if you have that peak there, I'll just note that down. 101. 101. Okay. So from so essentially 10 kilos. K. So what It would depend. I would If you do wanna go 24, I got 210. So it's on September last year. 400 I mean, that sounds pretty sort of sustainable because it's not Yes. like a 40 kilos in three months type No. thing. No. No. No. It's we've It we've seems like been a gradual very it's been very gradual working with a specialist. yep.","start_word":2118,"end_word":2221,"sentiment":"neutral","sentiment_score":0.05539226904511452},{"text":"Perfect.","start_word":2222,"end_word":2222,"sentiment":"positive","sentiment_score":0.5942143201828003},{"text":"So the way that usually works is from September till now, they'll probably add half of it back on for a period of time until it's twelve months off. If that bumps you up to 37.5 on the BMI, they may add some loadings on Yep. where they say, oh, we're gonna up the price by 50% until that twelve month BMI goes below I think it's 35 or 36 at the moment is usually the cutoff. They've actually increased it recently. Mhmm. So I will call around and double check. But if they are gonna add a loading on and the price jumps up to $23,000, do you want me to kind of bother with the quotes, or what would be your preference? No. Probably maybe at the next thing you'll review, maybe we look at it. Yeah. Do And it with that's six the thing months is, checking or something yep, yearly basis can check there. on these things, and That's I will basically call around and check. And yep. if it's not really gonna be affordable, I'll put a flag on there for the next review. And then what we could potentially do is at the next review, do a bit of a pre assessment where they ask a little bit more in-depth questions again, and then we Yep. can kind of shoot that off anonymously to the insurance and see if anyone's gonna come back with a with a good deal for you. Yep.","start_word":2223,"end_word":2470,"sentiment":"neutral","sentiment_score":0.0507475113976867},{"text":"That sounds good.","start_word":2471,"end_word":2473,"sentiment":"positive","sentiment_score":0.4705941081047058},{"text":"Okay Cool. with that. I will put in a flag that you're looking to cancel the insurance, and I'm assuming for NRMA, you would probably just call up and they would do it straight away and Yes. okay. Yep. So I Cool. pay that So I'll monthly note that at the down. moment. So that'll be Yeah. That's right. So no large refunds there. no.","start_word":2474,"end_word":2538,"sentiment":"neutral","sentiment_score":0.05191069468855858},{"text":"Perfect.","start_word":2539,"end_word":2539,"sentiment":"positive","sentiment_score":0.5162404179573059},{"text":"Now if I do get a good outcome from calling the insurers, what I'll basically do is do some quotes for 70% of your income, which is kind of like that maximum that you can do Yep. these days. Okay. I did have you on a higher duties last year where you had gone from about a 125,000 up to a 188. Do you know what you've kind of ended the financial year on? No. I have to put in my job to see. My base rate is a 150 now though to Yep. that. So that's that's my base rate. The $1.25 is an old number. So the base rate now is $1.50. Okay. Perfect. I did drop down for two months, Oh, and now I'm back up on the higher duty. great. And Like how's I that say, going I for had the a stress levels? I oh, it's been horrible two weeks. Been a horrible we don't wanna go there. Been lots of tears. It's not been great, but we're Yep. pushing along. Yeah. Like I said, I had a two month holiday when I went back for a little bit. So it's a growth and learning opportunity. I've learned a lot. Yeah. Yeah. That's what But we do. it's We been take tough. them from there. Yeah. Now similar occupation title, I'm assuming, Yeah. Yeah. project That's coordination business management. that's right. Yes. That's none of Yep. that you need to get. Perfect. Okay. So I might base it off the $1.50 for now Yep. because if I start trying to push up to that two Yep. $100,000 mark, you you're That's probably gonna get into the extra blood checks fine. and high premiums and all that kind Yeah. of thing No. if I you're don't okay wanna with yeah. That's fine because I don't know. At the moment, I'm here for till December, but you don't know. So, yeah, I'd rather just use the bait. Don't you? that.","start_word":2540,"end_word":2872,"sentiment":"neutral","sentiment_score":-0.007163278411727052},{"text":"Perfect.","start_word":2873,"end_word":2873,"sentiment":"positive","sentiment_score":0.6084065437316895},{"text":"And when it comes to the benefit and waiting period, I said before that that thirty days is pretty standard. Yep. You can go cover all the way up to the age of 65, five years, or two years, so you kind of go short, medium, or long term with it. But the main question first is waiting period. Do you want me to do, like, a thirty day standard, push it out to sixty or ninety days because you've got the savings behind you and make it a bit more affordable? What would be your preference there? Actually, I didn't need to do that yet. Probably push it out to sixty days. Sixty.","start_word":2874,"end_word":2987,"sentiment":"neutral","sentiment_score":0.1300560086965561},{"text":"Perfect.","start_word":2988,"end_word":2988,"sentiment":"positive","sentiment_score":0.47062450647354126},{"text":"Yes. Sixty days. That kind of narrows it down a little bit because only a handful of insurers do the in between, which is Yep.","start_word":2989,"end_word":3013,"sentiment":"neutral","sentiment_score":0.18001805245876312},{"text":"good.","start_word":3014,"end_word":3014,"sentiment":"positive","sentiment_score":0.4570147395133972},{"text":"Yep. So we'll go sixty days. And if nothing comes of it, I'll still keep this on file so that when we go for it again, we can at least go through those preferences. Yep. And so what I normally do in terms of affordability is we usually flag premiums once they are, you know, chewing into about 30% of your contributions as a rate as a bit of a red flag for affordability to make sure it's still growing. So if you're okay with that, I can base the benefit period on the best we can get within that affordability metric. Yeah. I'm a take Perfect. Alright. that. Age 65. Five year, two year. A little bit of quotes and calls for that one. If the team have any other questions health related, I will get them to give you a call when you are free just to go through and see if there's anything else we can do because part of underwriting, it's a bit of a negotiation. When it comes to your occupation, that's gonna be really good for pricing.","start_word":3015,"end_word":3197,"sentiment":"neutral","sentiment_score":0.1747789978166747},{"text":"So you are quite high up in income.","start_word":3198,"end_word":3205,"sentiment":"positive","sentiment_score":0.3550717234611511},{"text":"You do have it does note that you have some tertiary Yep. qualifications. Is it is it kind of like a degree in your field, anything like that, Diplomas, degrees, anything that I can note Probably down? not in the field. I did a bachelor of arts majoring linguistics, and then I did a master's in primary education. K. And master's in primary education.","start_word":3206,"end_word":3269,"sentiment":"neutral","sentiment_score":0.05100163817405701},{"text":"Fantastic.","start_word":3270,"end_word":3270,"sentiment":"positive","sentiment_score":0.5730788707733154},{"text":"And do you look after a lot of staff underneath you in terms of managerial duties? I've got three direct reports. Three direct reports.","start_word":3271,"end_word":3294,"sentiment":"neutral","sentiment_score":0.12081675976514816},{"text":"Perfect.","start_word":3295,"end_word":3295,"sentiment":"positive","sentiment_score":0.4810991883277893},{"text":"So I think based on that, you would probably be looking at a double a rating, which is Okay. the the second best. Okay. The only one that's above that is kind of like, you know, a lawyer who looks after 50 staff and a big successful business type type thing. Alright.","start_word":3296,"end_word":3347,"sentiment":"neutral","sentiment_score":0.19728490710258484},{"text":"That's perfect.","start_word":3348,"end_word":3349,"sentiment":"positive","sentiment_score":0.5452893376350403},{"text":"Any questions on that so far? Nope. Nope. That's all good. K. When it comes to your life and TPD insurance, that 300 that we've got inside the super, do you want me to just kind of leave that alone? Do you want me to look at increasing, decreasing, or just kind of focus on the income side?","start_word":3350,"end_word":3407,"sentiment":"neutral","sentiment_score":-0.02130807191133499},{"text":"No.","start_word":3408,"end_word":3408,"sentiment":"negative","sentiment_score":-0.3871379494667053},{"text":"I'm happy to leave that alone. K. Good how it is. And I do have to ask for the fourth one because there are four insurances. And the other one is trauma insurance, which has to be paid out of pocket, and it's for heart attack, stroke, and cancer. So it's essentially like a a $100,000 lump sum if you have one of those major conditions, whereas it's not passing away or being off work or total disability. It's just the diagnosis itself. It can definitely range up to 100 a month or above. So I just wanted to sort of gauge I with you if that's worth quoting for or just focus on the income side. don't know. I've had friends that have had candid lately or, you know, you sort of as you get older, you see different things. Yeah. I mean, the life insurance and the disability insurance will still be there in those Yeah. circumstances It looks if it gets bad enough and the income protection possibly as well. But yeah. this is more like going to a private practice for extra treatment, partner taking a bit of time No. off work to look after you after a heart attack.","start_word":3409,"end_word":3612,"sentiment":"neutral","sentiment_score":-0.05170572103530753},{"text":"It's a bit of a nice to have.","start_word":3613,"end_word":3620,"sentiment":"positive","sentiment_score":0.3890632688999176},{"text":"No. We'll cool late that one. K. Now I think I have everything I need to to do that initial research.","start_word":3621,"end_word":3641,"sentiment":"neutral","sentiment_score":0.145432248711586},{"text":"And like I said, if it is a good outcome, I'll run it by you.","start_word":3642,"end_word":3656,"sentiment":"positive","sentiment_score":0.3854016363620758},{"text":"If not, I'll keep it on file for the next review. Yep. So that's pretty much it for the insurance side. Just wanted to quickly check with you as well. We have the new system, and I've just been updating everybody's details. Assets and liabilities, we did have three properties noted down as well as quite a bit in savings and some investments in some ETFs. So I'm just wondering Yes. if you still have the three properties. Yes. You have three Yep. copies. With the offset account, we had a 120,000 in there previously. Have you managed to increase, decrease? It says decreased about a 110 at the moment. Not Yep. by much, but it has decreased. Yeah. That that's fair enough. Interest gone up, the more money comes out. Yeah. Investments in the ETFs, we had about 6,000 there. I don't know if you've been continuing to invest alongside. There's about 9,000 in there now. Yep. And any interest in further investments there, or was that just kind of growing in the background? It's just going in the background.","start_word":3657,"end_word":3837,"sentiment":"neutral","sentiment_score":0.07783500850200653},{"text":"Perfect.","start_word":3838,"end_word":3838,"sentiment":"positive","sentiment_score":0.4886861443519592},{"text":"I was gonna do just some update evaluations. Just wanted to check-in terms of the mortgage on your main residence. 230,000 we have. I'm going to the account. Just give me a rough look. I'm not too sure. That's alright. And while you're doing that, I'm just gonna see if I can get a quick valuation update Picnic on Point, where were two eighteen? 218.","start_word":3839,"end_word":3903,"sentiment":"neutral","sentiment_score":0.04585953209540233},{"text":"Thank you very much.","start_word":3904,"end_word":3907,"sentiment":"positive","sentiment_score":0.4980064332485199},{"text":"218000. Have there been any major changes to Wheeler Street or Sunset Drive in terms of value or loan structures and amounts? No. K. I still have the the main residence valued at about 1,700,000. That's what I'm seeing online as well. So would it be safe to Yep. kind of leave those three as they are? Or Yes. I'd leave them all right Perfect. there. We got the Kia Sportage, the Mazda CX Yes. three, Yep. and that should be I'm assuming no other assets or Okay. loans So floating we around. have another investment property. When you said three properties, obviously, three investment properties not including the home we live in. So Oh, there in January you go. this year, we got another investment property.","start_word":3908,"end_word":4034,"sentiment":"neutral","sentiment_score":0.04352012649178505},{"text":"Congratulations.","start_word":4035,"end_word":4035,"sentiment":"positive","sentiment_score":0.42836666107177734},{"text":"Got in before the legislation. We Well did. done. We did. So I'll Everyone just do kept some saying quick nothing round will change. figures for Nothing that one. will change. Oh, in Australia, I think anything can change at any point now, can't it? Yep. So we'll put investment property number three there. Just a quick round figure on value and and loan on that one. So the loan we have is $6.80. Yep. Thank you. Paperwork. We haven't And done I our do taxes appreciate yet. you oh, that's gonna be a fun one, but I do appreciate you updating these details with me. I no. That's okay. I have the folder. I'll I'll still And what see. would you like me to call this one? Should I put a a straight I'll down give you for a that one as well? I'll give you the suburb because they're all big suburb that you've got at the moment. Yeah. Parkridge, Yep. So this one is Kilmore, K I L M O R E, Thornton. Kilmore. Perfect. in Victoria. Victoria. I managed to spread around one in each state.","start_word":4036,"end_word":4225,"sentiment":"neutral","sentiment_score":0.04867091774940491},{"text":"That's amazing.","start_word":4226,"end_word":4227,"sentiment":"positive","sentiment_score":0.6380749940872192},{"text":"We have. Yes. Yes.","start_word":4228,"end_word":4231,"sentiment":"neutral","sentiment_score":0.1567109078168869},{"text":"Branching out a little bit is nice. We paid 600 for this one.","start_word":4232,"end_word":4244,"sentiment":"positive","sentiment_score":0.5572367310523987},{"text":"Okay. So it's What is owing the value a bit more that? than the value. It is. Yeah. Yep. If we use the buyer's agent and things, so we had a few extra cost. Yeah. No. So That's yeah. fair enough. So we borrowed everything rather than you having to use our savings. Alrighty. $6.80 on that one. 600 value.","start_word":4245,"end_word":4304,"sentiment":"neutral","sentiment_score":0.03415284678339958},{"text":"This Amazing. is price. Thank you That very much was for a that.","start_word":4305,"end_word":4317,"sentiment":"positive","sentiment_score":0.5045391321182251},{"text":"purchase price. I don't know if it's valued. It must be very similar. Yeah. I'm just I don't I don't what's the question? 100,000. Yep. No. That's totally fine. Yeah. If it becomes necessary for the advice that we need to factor in a more accurate value, we can kind of go through some online estimates as well, but not necessary at this point. Yep. Cool. Lucille, before I jump into the portfolio side of things for the super, I just wanted to double check in terms of cash flow priorities and belts. We do have a bit of an earlier retirement flag for you guys aiming for that age 60 where you can access your super. I'm Yep. just wondering if there's anything else that you guys are now focusing on for the next few years now that you've got that third We really gotta get rid of the mortgage on our house. We because we still got that $2.18. That's sort of what I said. investment Our focus for the next two to five years is really just let's get rid of this mortgage. That's property. Yep. that's my focus. Absolutely. Now when it comes to contributions into super, I did notice a decent amount going in there because they've they've obviously had that bump up in the duties. Yes. Are you looking at doing any salary sacrifice this financial year, or is it mainly just focused on that mortgage and the offset for the next twelve months? Okay. I know I think I did talk to somebody about that because the extra went in. I don't think I think it would have been very close to the max that you could put in anyway, so we didn't add any extra. Yeah. Yeah. And that's what I was kind of seeing where there's a lot of contributions Yeah. going in, and I see it increasing Yeah. quite Yeah. So I think depending if I end up in the same as either due at least to the current financial year, then there'll be nothing extra put in. So quickly. we Yeah. cover. That'd be the safest way because there Yep. was already 20,000 in the last twelve months Yep. even with that holiday and everything. So if we get to end of financial year next year, if there is anything left over, you know, one of the strategies that I I recommend a lot is just pulling everything into that offset account. And then when end of financial year comes, if you wanna do a little top up contribution then, you can kind Yep. of get the best of both worlds. But I don't see any reason of doing any salary sacrifice at this point. Yep.","start_word":4318,"end_word":4774,"sentiment":"neutral","sentiment_score":0.033653656183792936},{"text":"Perfect.","start_word":4775,"end_word":4775,"sentiment":"positive","sentiment_score":0.5742413401603699},{"text":"Now when it comes to the portfolio itself, so I'm just having a look at both accounts.","start_word":4776,"end_word":4792,"sentiment":"neutral","sentiment_score":0.2712932229042053},{"text":"So you guys are all linked up. Hub twenty four is doing its family fee linking, which is great. Yes. That brings you down in the admin fee categories quite quickly, especially because combined, you're sitting at that kind of 700,000 mark now.","start_word":4793,"end_word":4835,"sentiment":"positive","sentiment_score":0.3777916431427002},{"text":"So the next tier for you guys in admin fee reductions is a million, and then it goes down to very, very low percentages. With Hub, they tend to go from, like, 0.36% straight down to 0.1 and then 0.04. It pretty much becomes nothing when you have over a million to $2,000,000. Okay.","start_word":4836,"end_word":4889,"sentiment":"neutral","sentiment_score":0.074973464012146},{"text":"So that's really helpful. Balance wise, so you've had a pretty, pretty strong journey of contributions and growth since you started.","start_word":4890,"end_word":4910,"sentiment":"positive","sentiment_score":0.4605618119239807},{"text":"A hundred and twenty eight thousand at the start. You're sitting at $2.77 $5.06 4 today. Yep. It slowed down a little bit the last twelve months. So I think you've gone from $2.46 to $2.77. Half of that is your contributions, and half of that is the investment growth. Okay. Now we had a bit of a drop in the markets in March where the balance had kind of fallen from $2.70 to $2.50 and then bounced back up to $2.77.","start_word":4911,"end_word":4992,"sentiment":"neutral","sentiment_score":-0.05717245689252528},{"text":"So about $20 drop for a month's period. You mentioned at the start of the call being quite risk averse.","start_word":4993,"end_word":5012,"sentiment":"negative","sentiment_score":-0.35009169578552246},{"text":"So Yes. I wanted to just quickly ask you because you're in that growth profile, you're kind of at, like, a a four out of five on the risk profile. You're not high risk, but you're still primarily focusing on growth. And what that means is you've got 80% in, like, shares and property rather than 90 or a 100%. Now Yep. because the returns are all percentage based in super, what tends to happen is as you build up your bigger balance, that 10% return up and down, that's gonna be a bigger portion of your balance. So what you're gonna start noticing now is that your super from 277,000, it could go back down to $2.50, and then it could be at 300,000 this time next year. Okay. So what I kind of mean by that is if you get a 10% return of of $500,000, there's $50. But if you only had 30,000 in super, it's $3,000. So what tends to happen now is that the growth of your super is a lot bigger than the contributions that you're gonna be putting in. It's kind of gonna take you off and get you to those higher amounts more so than what you're putting in. Now just based off that, Lucia, any concerns on your end when it comes to what I said in terms of the volatility that you've experienced? No. K. I'm assuming you're not considering trying to increase risk at this time to try and get a higher return. No. I'm not. K.","start_word":5013,"end_word":5270,"sentiment":"neutral","sentiment_score":-0.045051563531160355},{"text":"Perfect. I think growth is pretty reasonable. You've got a good 6 figure income. You've got a pretty decent balance for your age, and it's catching up pretty quickly as well.","start_word":5271,"end_word":5301,"sentiment":"positive","sentiment_score":0.3873486816883087},{"text":"Yep. The returns, like I I mentioned before, a little bit slower this year. So normally, when you're in a growth profile, we wanna be aiming for around about nine to 10% average. Whereas in a single year, it could go up 20%, and it may drop in those, you know, one off bad years where there's a GFC, a COVID, a war breaking out, or something like that, and just get that average over the ten year period over that market cycle of the nine to 10%. Does that make sense to start with? Yes. That's it. Cool. So it's only grown by about five or 6% the last twelve months because it kind of went up, went back down, then went back up again. So it kind Yep. of had that blip in the middle. So it hasn't gone negative, which is good, but I do wanna warn you that there will be a negative year coming up sometime in the next few years. Okay. K? So what I need to do when I'm looking at your investments, because you've got eight different options that we've kind of put together to build a portfolio. So one of them is like your gold option. One's your shares in America, some cybersecurity, all these different areas. We put them all together, and that makes your nice pie chart. That's your portfolio with all the different assets. When I look at these options here, I'm sent you through a bit of a report just so you can see them as well.","start_word":5302,"end_word":5561,"sentiment":"neutral","sentiment_score":-0.03485038552719813},{"text":"Pretty much everybody has had some really strong returns. Everything is double digits that I can see. Gold's up fantastically 12%. You've got agriculture shares that are up 19%. So everything's looking really good.","start_word":5562,"end_word":5595,"sentiment":"positive","sentiment_score":0.5027278065681458},{"text":"You've got a safe portion, that 20% that's not invested in the stock market. That's up its usual four to 5%, which is pretty standard.","start_word":5596,"end_word":5620,"sentiment":"neutral","sentiment_score":0.21138714253902435},{"text":"And you've even got some infrastructure that's going up really well, 18% there as well.","start_word":5621,"end_word":5635,"sentiment":"positive","sentiment_score":0.37588778138160706},{"text":"The only one that's a bit of a concern for me is a Benelong Australian shares option.","start_word":5636,"end_word":5652,"sentiment":"neutral","sentiment_score":-0.3233739137649536},{"text":"So that one's actually dropped quite significantly compared to the other options.","start_word":5653,"end_word":5664,"sentiment":"negative","sentiment_score":-0.40263962745666504},{"text":"It's a portion of your balance, but I would say it has underperformed the other Australian options that are out there. Okay. So what I'm thinking is that overall, the super is not doing too bad, good long term growth, but I think a bit of an engine tune up is kind of warranted where you've been in this for a few years now. I think I wanna kind of maybe switch out this option at least. The Yep. other ones are looking really good, but I just wanna kind of knock out the bad apple and put in a good red apple, if that sense. Yes. So while I'm doing the calls and research regarding the income protection, I'm just gonna look for a bit of an update. I do have one question for you, though. In terms Yep. of the style of the investment, because Hub twenty four has the most investment options in the country, we're talking about 1,300, I need to whittle it down just a little bit. Now we've got a choice between low fee options, passive, or a bit more higher fee to try and get a higher return. And I just wanna know where you kind of lean between the two. And there's no wrong answers cause I can No pick one. a a really good one in either one, but it's really just about that gut feeling of where do you lean between higher returns or lower cost? It still be in the growth portfolio though. I said it doesn't change. Yeah. That's right. So That's the risk what I can profile stays the same. okay. I'm just gonna change the style of the manager. Okay. So then I'd probably go the higher fee. Okay. So that's similar style to what it's currently in. Okay. So what I'll basically do is I'm just gonna I've got a few people that we've shortlisted. We've been researching recently, Yep. and I've got a couple there that I'm gonna compare and do a bit of a switch out like for like for you. Okay.","start_word":5665,"end_word":6013,"sentiment":"neutral","sentiment_score":0.06365970093063092},{"text":"Perfect. Alrighty.","start_word":6014,"end_word":6015,"sentiment":"positive","sentiment_score":0.48499226570129395},{"text":"Any questions on that so far?","start_word":6016,"end_word":6021,"sentiment":"neutral","sentiment_score":0.2048327475786209},{"text":"Amazing.","start_word":6022,"end_word":6022,"sentiment":"positive","sentiment_score":0.6939224004745483},{"text":"Now what we can do later on is when you get a bit closer to retirement, I think it would be a good idea to get both of you guys together and just have that sit down of a bit of a joint retirement discussion when it becomes a bit more practical.","start_word":6023,"end_word":6074,"sentiment":"neutral","sentiment_score":0.3010095953941345},{"text":"So what I'm sort of thinking is we're focusing on just getting that good growth out of it now, aiming for the age 60 retirement.","start_word":6075,"end_word":6099,"sentiment":"positive","sentiment_score":0.36327064037323},{"text":"But once you're getting close to that last sort of ten to fifteen years, we might tie both of you guys in together for a joint analysis just to see how you're tracking for retirement, how long the funds will last, will it go past life expectancy, do we need to do any other strategies as well.","start_word":6100,"end_word":6156,"sentiment":"neutral","sentiment_score":0.1890883445739746},{"text":"Sound good?","start_word":6157,"end_word":6158,"sentiment":"positive","sentiment_score":0.37138113379478455},{"text":"Okay.","start_word":6159,"end_word":6159,"sentiment":"neutral","sentiment_score":0.2635098397731781},{"text":"Sounds good.","start_word":6160,"end_word":6161,"sentiment":"positive","sentiment_score":0.402814507484436},{"text":"Yes. Alrighty. Now I have gone through quite a few different things with you tonight between the insurances and the super. I just wanted to ask if you had any questions at this point. No. No question. Not at all. Okay. Let's forward.","start_word":6162,"end_word":6204,"sentiment":"neutral","sentiment_score":0.05428478121757507},{"text":"Estate planning looks good.","start_word":6205,"end_word":6208,"sentiment":"positive","sentiment_score":0.457197904586792},{"text":"You've got the nominations for the super for the beneficiary nominations in place. Did you guys end up getting a will in place? Yep. No. There's no slack about this. You can imagine it is my yearly conversation with everybody, and I think maybe two out of every 100 end up doing it. And, look, it's just that reminder. Hey. If you can sort out a will as ideal, possibly a power of attorney, which is like, you know, if you're unable to act on your own behalf, Yep. health discussions, access bank accounts, and so on. If you're that way inclined, there are government approved will kits at the post office for about $25, but they're very, very simple and basic.","start_word":6209,"end_word":6330,"sentiment":"neutral","sentiment_score":0.013934807851910593},{"text":"Probably not good if you've got four properties to to work on.","start_word":6331,"end_word":6342,"sentiment":"negative","sentiment_score":-0.3446734845638275},{"text":"Yeah. No. I think we need to go sit with somebody and get one created. Yeah. Absolutely. Now I don't have any dependents for you guys. So it's just yourself and and Anthony, I believe? That that's correct. Yes.","start_word":6343,"end_word":6381,"sentiment":"neutral","sentiment_score":-0.04158265143632889},{"text":"Perfect.","start_word":6382,"end_word":6382,"sentiment":"positive","sentiment_score":0.43734830617904663},{"text":"Alright. So property focus, bit of a tune up on the super. We'll have a look for the income protection. I will note down that you're probably canceling the NRMA, Yep. and Yes. I'll update the projections based off of the new strategies as well. Yep. Alrighty. The only other thing is the pack that I've sent you through. Yep. I So just got it now open. have you ever used the the Odoo sign system And before? if I've used all these lines. It is our kind of new one that we moved Okay. to over Christmas time. That's all. Even had the other sign on it. We used the floor, of course. Yeah. So it was it's very similar to DocuSign, but, basically, if you hit the the sign button, it'll bring up all of the documents. And, basically, what ends up happening is you can scroll through each document, but there is some buttons to kind of skip through next document, next document, next document. Essentially, for your records, there's a summary of your accounts. There is a performance report. In red, there's a lovely Vanguard chart about how the markets go up and down and average out long term. You did We've did they sign yeah. So at the back, there is a couple of documents for signing. So I wanna just quickly walk you through in? them. The I'm on service page agree seven. It's that consent page to ongoing fee agreement seven. up to me for. Have Okay. I So missed that is the service agreement okay. for us with Hub twenty four. Yep. Now yourself and Anthony are on the partner fee discount of 1.1%, Yep. so that hasn't changed. The document after that one is a tax file number opt in. Now just with the cybersecurity issues, we just wanna make sure that everyone's comfortable for us to hold that number because it is so important rather than sitting in all these digital systems Yeah. for the hackers and everyone else to have. Next. So do I need to sign that hub to sorry. That the that content to ongoing fee for hub 24, do I need to sign that page? Have. So it says Yeah. So please there sign should below, but be I can't click in there to sign. if I'm you on scroll an iPad. down to the third page, Yes. it should have a signature and date box that you can kind of either the blue the purple buttons will bring you to there, or you can just tap on it with Click. No.","start_word":6383,"end_word":6818,"sentiment":"neutral","sentiment_score":0.037484761173708726},{"text":"I think it won't let me do anything.","start_word":6819,"end_word":6826,"sentiment":"negative","sentiment_score":-0.4018011093139648},{"text":"Maybe it's the iPad. I'm gonna do wrong computer instead. your finger. And I if can't click that doesn't in there. work, That's usually all. the purple buttons off to the side kind of bring you to the spot. Yeah. It says declined to sign. I wanna decline Okay. to sign it. No. That's fine. Maybe easier on the computer Yeah. there. I might run this. I'm gonna press the phone. I'll get back and say we can't well, I'll go I'll do I have to go on a computer then. Okay. No. That's So okay. the text phone number. And the last one is just an authority form where we were going to just keep an eye on NRMA. If Okay. you're okay to sign that one, we might just give them a call in a month's time just to see if it was canceled just so we can update the records as completed Oh, okay. as Yep. part of Now that's implementation. yep. Now that's Otherwise, the one. I wouldn't bother worrying about contacting them and getting authority to speak to them, but it's nice for us to just be able to close that out and confirm it. Yep. Don't know if I'll get till by the end of the week, but it will be canceled. Fair enough. When we go through our next discussion anyway in a couple of weeks' time, I will go through what we're doing with the portfolio and the outcome of the insurance research, and Yep. I'll give you a reminder then too as well.","start_word":6827,"end_word":7088,"sentiment":"neutral","sentiment_score":0.010313175618648527},{"text":"Amazing. Well, thank you very much for your time this evening.","start_word":7089,"end_word":7099,"sentiment":"positive","sentiment_score":0.4659626483917236},{"text":"Is there anything I can do for you between now and that next No. No. That was really good.","start_word":7100,"end_word":7118,"sentiment":"neutral","sentiment_score":0.15000447630882263},{"text":"Appreciate discussion?","start_word":7119,"end_word":7120,"sentiment":"positive","sentiment_score":0.40004321932792664},{"text":"that Cool. checking. It helps checking. Always nice for the old health checkup, as It they say. is. Yes. Would you like me to put in for any other kind of contact points? Normally, we do maybe quarterly, six monthly contact to see how everything's going, or would you prefer just to wait for the annual review?","start_word":7121,"end_word":7177,"sentiment":"neutral","sentiment_score":0.1360454088763187},{"text":"Look, I'm happy for the annual review.","start_word":7178,"end_word":7184,"sentiment":"positive","sentiment_score":0.5633277893066406},{"text":"I don't think everything K. seems to go okay. So that'd be you.","start_word":7185,"end_word":7197,"sentiment":"neutral","sentiment_score":0.08133383095264435},{"text":"Easy done.","start_word":7198,"end_word":7199,"sentiment":"positive","sentiment_score":0.5022376179695129},{"text":"I'll put in for the annual review. We'll go through the updated strategy in a couple of weeks' time. And if Yep. anything else pops up, you're just a phone call away. Yep. Do we need to book an appointment for that updated strategy? Or No. what So do we the do? team will get in contact you Okay. once the research is complete, Yep. and then we'll kind of just book in a suitable No problem. time.","start_word":7200,"end_word":7277,"sentiment":"neutral","sentiment_score":0.11157865822315216},{"text":"Amazing. Well, thank you so much for your time. No problem. Thank you. You have a good evening. You too. Thank you so Okay. much, Lucia.","start_word":7278,"end_word":7303,"sentiment":"positive","sentiment_score":0.6700736880302429},{"text":"K. Bye. Bye.","start_word":7304,"end_word":7306,"sentiment":"neutral","sentiment_score":0.18477652966976169}],"average":{"sentiment":"neutral","sentiment_score":0.04179339821883074}}}}