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Not a problem at all. I'll jump in through what I need to. If at any point you need to reschedule or come back later, just let me know, and I can always finish another time. But we'll try to make it as quick and easy as possible for you. I have had a bit of a look at everything prior to just calling you, and I've sort of found there's some advice we can look to provide to update things as well. So this year has been a little bit up and down with the markets and everything going on. So there's a few changes I think we can make to keep things working a bit harder for you. Okay? Excellent. Yeah. Yeah. No. That's okay. There's definitely some things we can do, and I've had a really good look at everything prior there. Before I do jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Beautiful. Excellent. And then just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Mhmm. Legend. Thank you so much for that. So, Scott, just to sort of start with, we normally send through the documents to you to review with us. Are you able to access your emails at the moment? If you can't, it's honestly okay. It's okay. If you can't, don't don't stress. I'll run through it all, and I'll send it through you anyway so you can review it later. Yeah. That's okay. Yeah. Absolutely. All good. So I have sent it through to your email there. So if you can't now, it's honestly okay. It'll be there for when you've got some time later and you're able to review them. If you do have any questions once you have reviewed everything, please let me know. I just like to make sure you're aware that I'm open and honest with everything, and the first thing I kinda wanted to go through with you is a little bit about the market. So this year has been very up and down. The markets have had some good returns this year, but also have had some downtimes and some severe volatility. And it's something that while your balance is a little bit lower at the moment, wouldn't really notice a great deal. But as your balance increases, it does have a bit of an effect. But it does mean that with the the risk profile you're in, you're in that growth environment, which is 80% in growth assets and 20% in lower risk defensive assets. So you are gonna feel and see volatility. Sorry. You're right. Not that I can see. You're definitely still sitting in that growth asset allocation currently. Was that something that someone was gonna do for you a while ago? Oh, yeah. Yeah. So the at COVID, they did sell and move some money into cash. And then a few months after that, they sent out an email to say that we were reinvesting the funds when the market was going back up again. But that was yeah. Yeah. So you are you asked for, like, growth environment's absolutely fine. We haven't done that this year with the volatility because you do have to pick your timing, and it is a very risk risky decision to sell people out of their portfolio where there is volatility around because you may not time the market correctly. Timing the market is a very hard decision to make. In COVID, there was a lot of factors that kinda showed our directors that they needed to make that decision back then. So with this year's volatility, just to kinda go through now, your portfolio has definitely increased. So when we have a look at your annual review last year, your balance then was sitting at $79,934.27. Your balance as of this year, you're sitting at $95,830.69. So it is good. You have seen some growth in the portfolio. It is just a lower rate of return. So, realistically, over the past twelve months, you have only returned about a 2.06% return. That is a very low positive return. It is positive, but I'm honest, it is a very low return. And I definitely wanna make sure returns moving forward a little bit better than that where where possible. Yeah. One of the things I do kind of like to make sure everyone is aware is that with every portfolio, there is a likelihood of a negative return. So with the growth environment that you're currently in, we do expect sort of one in every sort of five years to see a negative return or a lower return. So this kinda fits with the way that we sort of see the portfolio is working. But it also sort of shows me that there are some things that we could update because you are in much of an older portfolio. And when I kinda look back to from inception, since when you came on board in 2022, you've actually had a 17.09% return overall. So your portfolio has been growing steadily, which is great, but we wanna just update the portfolio, maybe replace some underperforming investments. One of the things that we do sort of like with market volatility is that it does sort of show you what is performing, what isn't performing, and where there might be need to be some changes made. One of the things I kind of looked at was in your portfolio, you do have to bend along Australian Equities investment. This was placed in your portfolio years ago because it has performed really well long term, but just recently, they've had some underlying issues and haven't been able to perform. One of the things with having an active manager and Benelong is an active manager, so the investment manager within that fund is supposed to be trying to outperform against the market, and they haven't been able to do so. They've had some underlying issues, which is sort of what's partly holding your portfolio back at the moment because all your other investments have performed really well this year. So I do wanna maybe look at providing some advice for you if you're happy for me too. I wanna definitely remove that out of the portfolio for you, replace that, and I'd love to go back. There's some other things while everything's working really well. I might be able to rejig the rest of the portfolio for you just sort of update things, make some changes, keep the portfolio working a little bit harder for you as well. Yeah. Beautiful. And some of the investments I'm looking at are also a little bit cheaper as well. So we might be able to reduce some of the investment fees within your portfolio for you, lower the overall cost a little bit. How does that sound? Yeah? Beautiful. One of the things I kinda wanted to touch on is there are different ways to have or to build an investment portfolio. One of the ways is to have active managers life span along in your portfolio. You do pay a little bit more of a premium for having those sorts of managers in your portfolio. There are other ways that are passive investments, which can be lower risk. You're not trying to outperform against the market there. When you're younger, you can take a little bit more risk and have those active managers in there, and you've got a lot of time before you can access your sofa. But it's also more down to a preference. Would you like me to look at a portfolio that keeps a little bit of active management reviewing that moving forward, or would you like to just focus on a lower cost portfolio and remove the the risk of active managers underperforming. What would you like to see? Yeah. Yeah. And look, that does not sound silly in any way, shape, or form, Scott. That's actually a really good thing to do. I'm happy to look at all the different options for you if you like. We we do include active management and passive portfolios. I can look at the overall cost. I can look at how that's gonna affect you long term based on, you know, past performance of the investment spend. I can also look at the capital gains consequences because one of the important things to make mention for you is that your super fund, just like you, does a tax return every year. They pay income tax and capital gains tax. So whenever investments are bought and sold and investments are changed up, your super fund does have a capital gains consequence. So I can go back and do all the research for you. I can look at how you invested the portfolio you're in, look at all the different options I have to invest you in other areas, look at the cost, the CGT consequences, and look at the fight next five to ten years to see what that projected outcome looks like and recommend the best option for you. Does that sound comfortable for you? Yeah. Yeah. That's why yeah. Absolutely. Yeah. Absolutely. And that's really important to note too is that we are here to work in your best interest. We do also, our license under the corporations act, We're all licensed advisers, and we work under the best interest duty, which essentially means we need to be working for you and updating things for you. If ever under the best interest duty, if ever your best interest clash with that of our business, I would put you before that of our company as well. So rest assured, I I promise to look after you, be open and honest, but I'd like to sort of pride myself on the honesty aspect, making sure that when the market's not performing well, when the portfolio is down, letting you know that there is always a note that there are ups and downs in the market. So I, you know, never wanna sugarcoat anything that isn't honest and open for you. And you're welcome to if you hear things or are unsure about markets or what's happening. You're welcome to give me a call, vent it out, and we can talk us through. That's what I'm here for for you as well. Okay? Excellent. Beautiful. Well, I've got some great ideas on what I can do to sort of fix up your portfolio and update things for you, which is fantastic. We'll definitely remove some underperforming investments, and we'll look at how we can build things for you there. I like it. I also can see here with your insurances. Now you've got your nearest life insurances with life, TBD, and income protection there with the sum insured of your life cover. So the way I like to phrase this is if you were to pass away today, your life insurance pays out $997,004.92, but then your super benefit is also paid out on top of that. Okay? So you've got $99,749.02 plus $95,830.69. So it's about a 1,093,000 sitting there of benefit. Just in the event of passing, what is it your wishes? Who do you want that to be paid to? What were you what's your goal around having that money paid out? What did you want it to cover? I love that. Beautiful. Yeah. How much do you have owing on the mortgage? Sorry. Yeah. Yeah. Okay. Yeah. Mhmm. Yeah. Yeah. Oh, I'm so sorry. Yeah. Yep. Yeah. Absolutely. Most definitely. And I can see your beneficiary nomination here on your super is completely nominated to her. So I've got down Amy Lowry to receive a 100% of the benefit. That's correct? Yep. Beautiful. Good to hear. Excellent. And how much do you have owing on the mortgage currently? I had $2.20 $2.59 last year. $2.59. You're absolutely fine. Beautiful. Do you have anything sitting in the offset account offsetting some of that? Nope. That's okay. Yep. Yeah. Yes. Oh, wow. It's a lot going on. I'm so sorry to hear that. Yeah. I know. Understandable. I'm dreading the letter that comes through now to tell me how much my mortgage is gonna increase by. Not fun at all. Yeah. Yes. Yes. No. Understandable. Absolutely. I think most mortgages these days are very much higher than what you do have there, so a lot of people are gonna be feeling a lot more stress. Absolutely. Yeah. Perfect. Just with that life amount that you are covered for, are you fairly comfortable with that amount? It definitely pays out the mortgage and certainly leaves with pretty decent buffer there for your family. Yep. Beautiful. Yeah. That's okay. If you ever not, you wanted to reevaluate it, you let me know. That's what I'm here to help you with. Okay? Beautiful. Yeah. Yep. Yeah. Absolutely. I mean, if we sort of look at it that there and we go to 52,000, reducing the mortgage total, I don't have any other debts noted down here. Do you have any other debts that might need to be paid out? No. That's yep. Yeah. No. That's okay. That's understandable. Hopefully, it all gets a bit better for you soon. In income wise, I had you on a base income of around about 100 and sorry. $74,007.52, And I had a note here that you were expecting about a 105,000 this last year total. Does that sound correct for your income, or what do you want at the moment? Yep. Mhmm. Okay. Yep. Yep. Okay. That's okay. I can absolutely work that out for you, and I'll just pop that into the calculator now. So we'll say per hour. And you just do thirty eight hours a week? That's okay. Mhmm. Yep. Beautiful. Not a problem at all. So just looking at that one there, it gives you essentially a gross income of around about $79,830.40 there. That's obviously base, and then there could be additional, you know, overtime and loadings and things on top of that. Does that sound right? Yep. Yep. Mhmm. Yep. Yeah. Right. Yeah. Yeah. Mhmm. Okay. Beautiful. Before tax. Excellent. Thank you so much. And I'll update everything here. Beautiful. Excellent. So the main reason to sort of look at that is, obviously, looking at income protection. So you have a a monthly benefit that you're insured for growth of 5,599. Based on your base income, it does show you're slightly over insured. But if you're working overtime and things like that, having that extra monthly benefit does mean you could claim just slightly a little bit more without having to increase it back later down the track. Are you yeah. You're fine. You're fine. Yes. Okay. Yeah. No. That's absolutely fine. So keeping your income protection at that level feels fairly appropriate for you. Did you wanna look at yeah. Beautiful. You absolutely. Now you do have a ninety day waiting and a five year benefit period. Do you understand how income protection works, what the benefit periods and waiting periods essentially stand for? That is absolutely true as well. Your waiting period is how long you have to be off work prior to submitting your claim. So if you are off work due to illness or injury, you've just gotta be off work for ninety days. What I sort of suggest is if there's a point where you're off work due to illness or injury and you're pretty sure you're gonna make that waiting period, give us a call. Let us know straight away so we can let the insurer know that starts the waiting period. And then at ninety days, we can finalize and submit the claim. But in the meantime, they're getting the claims forms ready to go for you because some of them have to be filled out by your doctors as well. So that's just essentially what a waiting period means. It does mean in that time frame, you do have to cover expenditure through your own means by way of savings or credit cards or extra work. Sorry. Yeah. Yeah. Mhmm. Mhmm. In premium? No. I can find that out for you. I'm just gonna log in to the portal now because I can live quote the difference to see what that would look like for you. Yeah. Yeah. Absolutely. That's not a problem at all. But there we go. I'm just loading your profile now for you. Approaching. Okay. Beautiful. So now you've got a five year benefit period as well. Are you happy with the five year benefit period? It does just mean that you can be on a claim for up to five years in the event of something happening. Yep. Yeah. Beautiful. So yeah. Yeah. There's other things that can be claimed there. There we go. Beautiful. Sorry. It just loaded. Excellent. Alright. So I'm just gonna change the waiting period from ninety days to thirty days, and it's showing me the total premium there for all the now your total premium you have on all your insurances at the moment paid out of super was $3,174.06. So if I go three one seven four point seven six. And the new premium, if you had a thirty day waiting, does increase the policy cost to a total $4,707.44. So I'm just looking at the difference. Wait. It's about $900 difference total between the gross cost of the premium. Yeah. Yeah. Just yeah. Just increases it slightly there. But if you wanted to look at doing that, I'm absolutely fine to incorporate that for you. It does obviously increase the the cost of the policy. And these are steps policies as well. So they do go through a renewal period every year, which means that they do increase along with CPI. So the amount that you're covered for will increase a little bit each year, but it also means the cost of the premium is gonna also increase each year. So we wanna make sure we review them. And as you don't need such a high amount of insurances, we kinda reduce it back and alter it so that it's not eating away all your super, essentially. Yeah. Yeah. Yep. Beautiful. Yep. Abs absolutely. Not a problem at all. Now we've also got your TBD cover there, so total permanent disability cover. That essentially pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity or permanent disability. You've got the same level of cover. That's it doesn't matter what it is. It could be inside work or outside work. The main thing that is with these policies is that you have an any occupation definition. So it essentially means that in order to claim on the policy, you never have to be you sorry. Never can go back to work again for any occupation for which you're educated, trained, or have worked in the past. And I'm just popping the policy in to double check that one. Yeah. You've got the super any definition there. Perfect. So, yeah, essentially, it does it is a hard definition to claim on. It doesn't mean that something has to happen at work. It can be outside of work. So as an example, if you have a a car accident or motorcycle accident, you break your back and you can never go back to being a laborer again, that will assess to see if there's any other occupation that you have been worked or trained in the past that you can that you can go back to. If your two doctors, one being a specialist, say that he's never going back to work, then that can be claimed on for you. So it is a difficult one, but it is important to sorta have some sort of TBD cover because you just never know what's gonna happen. Yeah. Yeah. Yeah. Yeah. Absolutely. Now the other thing I do like to make sure everyone is aware of is that TBD is unfortunately a taxable payment. So if in the event that you were to claim on that, we can also claim and release your super. So it does mean that your gross amount that you're covered for is the same as life, a bit over $11,093,000, which is a good amount. If you were to claim on that and take the full lump sum upfront, the government, unfortunately, taxes that at up to 22% depending on the age and stage of the claim. Kinda sucks. That means the amount that you are covered for, you're not likely to receive upfront. What I like to make sure you're aware of is that if you were to have a claim on TBD, we, as advisers, would provide advice on how to structure the payments, whether to take a lump sum, how much of that, how to minimize the tax. There are some fun little things we can do in the back end to help lower or minimize the tax consequences and or how to keep as much money invested long term and maybe draw out a smaller income stream as well. So I do just like to make sure yeah. Yeah. Absolutely. Yeah. Beautiful. You're right. No. You're absolutely fine. You've got lots of things to do. I completely understand. I love that. Fantastic. Well, that's basically I've got a really good idea. We're happy with the life of TBD, the income protection, not wanting to make any alterations to those covers at this time. Is that right? Yeah. Beautiful. Yeah. That's absolutely fine. Having a look at your circumstances here, I can see you've got one dependent, one child, was 15. I'm assuming now 16 years of age. Oh, wow. They grow up so fast, don't they? Oh, good. I know money is a bit tight with everything at the moment with everything you're going through. So I'm assuming you're not sort of wanting to apply for any additional insurances that might be paid out of pocket, like trauma, child trauma, things like that. You're happy do you have any questions about any of those types of covers? Has anyone ever sort of, spoken to you about the different insurances that you can also hold in those areas? Yep. That's absolutely fine. That's not a problem. Yeah. Absolutely. Not a problem. I do understand that. I'll just sort of make a note here that, you know, additional insurances, and I'm sort of looking at one of the things I wanted to sort of see was whether you were in a position to make additional contributions to sleep, but it looks like you're probably not as of yet. So I can hold, your additional contributions off and revisit that down the track. Would that be okay with you? Yep. Beautiful. Excellent. The only other thing to sort of look at is within that email, what we've set you, we've also got our ongoing services agreement there for you, which does outline your ongoing services fee for our services. Essentially, there has been one little change that we have made to the new agreement moving forward, and one of the things is that it's now gonna be a more of a tiered structure. So, essentially, once your super balance hits 200,000, the ongoing service fee after the balance of 200,000 is 1.65% as you have been paying down the over the last couple of years. There's no major changes there. Once your super balance hits 200,000, then the next tier comes into play. And, essentially, any you'll you know, the amount over that will only be paying 1.375. And then once your super balance hits 500,000 and then a million after that, that so it's just basically a tiered structure. So the higher your super balance goes, the lower the tier still ends up being. So the idea is that it's more structured. It's going to sort of lower the cost of your ongoing services as your super balance increases, which is great. Think of it a bit like the tax system. We have different tiers for the taxation, and this will work exactly the same way there. One of the other things I do like about our new tier structure is that we are not going to save 1.65 with an estimated. So on your ongoing services fee agreement over the last few years, we always You're right. You did well. All good. The other thing I just wanna let you know is that in the past, we've always provided an ongoing service agreement, which outlines the estimated fee for the year. Our new fee, essentially, because it is a tier structure, we're now going to essentially calculate the total fee to be paid for the year, and it means that we're accounting for about a 5% increase or a growth in the account, essentially. With the older fee, if you were getting a 20 or 30% increase, our fee was gonna go up drastically with that. Because we're now gonna oh, sorry. Work out your total fee as a dollar figure, it means that you know exactly how much you're gonna pay for our services for that year, and you won't pay anything more. So if you get a 20 or 30% increase in your super, it's not gonna continuously go up. It'll cap our services fee at what we have stipulated in the account. So it's actually gonna work out a lot better for you. It's a little bit more certainty around our ongoing services fee, and it means that the higher your super balance goes, you'll drop down into the lower tier. So that'll work out to your favor down the track as well. Okay? Do you have any questions about any of that? Beautiful. Excellent. We've also got in there the the Vanguard file, which essentially outlines you alright? No. You're fine. No. You're absolutely fine. I promise I'm almost done. All good. All good. The other documents for you to run your eyes over are your nearest to view. Currently, the Vanguard index chart, which essentially just shows you how markets react over time and why we invest the way we do. It shows you where the ups and downs have occurred over time, and that continuously investing long term does provide great benefits. So that's necessary to run your eyes over. We've also got in there our oh, sorry, Okey Financial Services guide, which outlines everything about who we are, what we do, how we do it, has all my licensing information there for you as a licensed adviser. It also outlines any additional services and how our ongoing service fee works. So you're welcome to run your eyes through any of those. If you do find you have any questions, you're welcome to let me know at any point in time. Okay? Once you have, yeah, once you have run your eyes over the documents, we'll get you to sign the ongoing services agreement, return it back just so we can continue looking after things for you and providing advice. Ongoing service fee also includes that extra advice for super as well. So yeah. It is. Yeah. Absolutely. Nice and easy. Yeah. Perfect. I also just wanted to update a few additional things there for you. So we've updated your mortgage on your property. What sort of value would you put on your house at the moment, your main primary residence? Yep. Yep. Yep. Awesome. Yeah. Right. Yeah. Yeah. Beautiful. Excellent. Not a problem. I've also got your 2018 Ford Everest fully kitted out there, and asset value last year was 32,000. Do you think you'd keep that the same or alter that? Nice. Yeah. With you. Yeah. Yeah. Okay. Beautiful. Excellent. And I've got a caravan down here as well. Do you still have the caravan? It doesn't say. It just says caravan. 17,500 value with no debt. Okay. Do you still do you have another caravan? Yep. Okay. Beautiful. And what sort of value would you put on that, do you think? Yep. Beautiful. Do you get out very often in it? No. No. Yep. Yep. Nice. Fantastic. Yep. Beautiful. Absolutely. And then I've lost. You. Sorry. You're alright? You're good with that? You're good. Oh, nice. Yeah. Wow. Yeah. Wow. Yeah. Yep. Wow. Yeah. Wow. Yeah. Absolutely. No. Completely understandable. That trip sounds amazing. I hope you enjoy that, and we are not far away from January. So, hopefully, the countdown's on. Pay that. Yeah. Wow. Yeah. Yeah. It'll make the holiday worthwhile, all the more enjoyable. Excellent. I've got your motorbike down here as well with a value of 4,000 500 on it. What sort of value would you put on that currently, do you think? Yep. Beautiful. Yeah. Abs absolutely. And then I've got contents down here with a valuation of a 100,000. Would you keep that the same or alter the contents value? Yep. Beautiful. And then looking at the other estate planning side of things here, I've got down here that you don't have a will or power of attorney in place. Have you guys gone through the process or spoken to a solicitor about drawing up your own? No. No. That's okay. Definitely on the list of things to try and get sorted. Absolutely. Not a problem at all. And then I think that's pretty much everything. I just sort of noted here, like, with your original goals for your super, I had down that you were hoping to access super around about the age of 60. Does that still feel fairly appropriate for that goal? Yep. Beautiful. Yeah. Yeah. Yep. Absolutely. That sounds fantastic. We also had it noted that and, look, this could definitely change by the time you get there, but you were working on about a goal of earning $1,500 a week from so far. Is that still fairly appropriate for now knowing that could definitely change? You're right. Yeah. You're you're you're absolutely fine. Yeah. Of course. No. Not a problem. Yeah. Yep. Yep. Yep. Oh, absolutely. Yeah. Most definitely. Perfect. Excellent. Well, I'll definitely work on the back end for your goal there for you. Do you have any other goals that you're looking to achieve down the track? Or yep. Yes. That's right. Yep. No. That's okay. Well, I mean, down the track and in the the financial services guide, it does outline other services there. So if you did need additional advice outside of the super insurance aspect, we can do so. We would just have more of a conversation. There are additional fees for advice that are outside of super, but we would look at what you need. If it's just general advice, I can do that free of charge for you. But if there's anything else you need, you're welcome to let me know. I will talk you through it. If I can do it free of charge, I absolutely will. If it's just general information, general advice, absolutely. If it's something more personal you're looking to achieve, we'll work out what it is, work in your best interest, and help to provide the personal advice in relation to that for you. So we are definitely here to help in all aspects of your life as much as we definitely can. So but for this one, I'll work on getting your super working a bit harder. We'll swap some things out and update your portfolio for you to see if we can get it working a bit harder for you and hopefully reduce some of those costs involved. Okay? Excellent. Beautiful. The last thing here is excellent. The last thing I just wanna check is your risk profile. So if you are in that growth environment, as I sort of mentioned, with your time horizon towards your goal age, you have about twenty one years before accessing super currently. The growth portfolio does suit someone who has at least six years before accessing their super there. It technically, as I mentioned, does expect a negative return to the one in every five years. We want the best returns we possibly can out of our super. But when we think about compounding annual returns, we're expecting around about a seven to 9% average from this portfolio. And then when we think about volatility, anything under 7% is obviously a lower rate of return underperformance, but they also could be because of external market activities there. Are you still fairly comfortable being in that kind of environment? Did you wanna kinda go through a risk profile and review that at all, or are you still fairly happy there? Yep. Yeah. We wanna get you up there. Absolutely. Well, I'll see what I can do to help and update the advice and sorta get things working a bit harder for you. That's absolutely perfect. What I would like to probably do now before I let you go is just to rebook you in to have your advice presented in the next couple of weeks there. It takes us a few weeks to kinda get everything completed and the research sorted for you. Would you be available for a booking from, say, Monday, October 19 at all? Yep. And what sort of time generally fits you better to run through the updated advice? Morning, afternoon? Yep. Yep. Yes. So 02:30 South Australia time suits you the best. Yep. Absolutely. Not a problem at all. Well, I do have availability for you essentially. If I just go back. Sorry. I've lost my date. The Tuesday is available. Is that okay if I book it in then? Yeah. The Tuesday, the twentieth. Sorry. Yeah. Yeah. Beautiful. I'll book it in there. So it'll be 02:30 South Australia time there for you on Tuesday, the twentieth. I'll add a text message reminder so it sends you a message two hours prior. And then if anything comes up, you can let us know, but we'll look to have that ready to go for you then. Okay? Easy. My pleasure. Thank you so much for your time. When you do go through those documents, if you do find you have any questions, please let let me know. But, otherwise, I'll just get you to sign and return them back. But thank you for your time today, Scott. I really appreciate that. Thank you. I'll talk to you soon. Have a great afternoon. Thanks. See you later. 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Scott. This is Dana from OKIE Financial. How are you this afternoon? No. You're absolutely fine.\n\nIs now still a good time to go through a bit of a review for you? Yep. Yeah. That's okay. Not a problem at all.\n\nI'll jump in through what I need to. If at any point you need to reschedule or come back later, just let me know, and I can always finish another time. But we'll try to make it as quick and easy as possible for you. I have had a bit of a look at everything prior to just calling you, and I've sort of found there's some advice we can look to provide to update things as well. So this year has been a little bit up and down with the markets and everything going on.\n\nSo there's a few changes I think we can make to keep things working a bit harder for you. Okay? Excellent. Yeah. Yeah.\n\nNo. That's okay. There's definitely some things we can do, and I've had a really good look at everything prior there. Before I do jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nYeah. Beautiful. Excellent. And then just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nMhmm. Legend. Thank you so much for that. So, Scott, just to sort of start with, we normally send through the documents to you to review with us. Are you able to access your emails at the moment?\n\nIf you can't, it's honestly okay. It's okay. If you can't, don't don't stress. I'll run through it all, and I'll send it through you anyway so you can review it later. Yeah.\n\nThat's okay. Yeah. Absolutely. All good. So I have sent it through to your email there.\n\nSo if you can't now, it's honestly okay. It'll be there for when you've got some time later and you're able to review them. If you do have any questions once you have reviewed everything, please let me know. I just like to make sure you're aware that I'm open and honest with everything, and the first thing I kinda wanted to go through with you is a little bit about the market. So this year has been very up and down.\n\nThe markets have had some good returns this year, but also have had some downtimes and some severe volatility. And it's something that while your balance is a little bit lower at the moment, wouldn't really notice a great deal. But as your balance increases, it does have a bit of an effect. But it does mean that with the the risk profile you're in, you're in that growth environment, which is 80% in growth assets and 20% in lower risk defensive assets. So you are gonna feel and see volatility.\n\nSorry. You're right. Not that I can see. You're definitely still sitting in that growth asset allocation currently. Was that something that someone was gonna do for you a while ago?\n\nOh, yeah. Yeah. So the at COVID, they did sell and move some money into cash. And then a few months after that, they sent out an email to say that we were reinvesting the funds when the market was going back up again. But that was yeah.\n\nYeah. So you are you asked for, like, growth environment's absolutely fine. We haven't done that this year with the volatility because you do have to pick your timing, and it is a very risk risky decision to sell people out of their portfolio where there is volatility around because you may not time the market correctly. Timing the market is a very hard decision to make. In COVID, there was a lot of factors that kinda showed our directors that they needed to make that decision back then.\n\nSo with this year's volatility, just to kinda go through now, your portfolio has definitely increased. So when we have a look at your annual review last year, your balance then was sitting at $79,934.27. Your balance as of this year, you're sitting at $95,830.69. So it is good. You have seen some growth in the portfolio.\n\nIt is just a lower rate of return. So, realistically, over the past twelve months, you have only returned about a 2.06% return. That is a very low positive return. It is positive, but I'm honest, it is a very low return. And I definitely wanna make sure returns moving forward a little bit better than that where where possible.\n\nYeah. One of the things I do kind of like to make sure everyone is aware is that with every portfolio, there is a likelihood of a negative return. So with the growth environment that you're currently in, we do expect sort of one in every sort of five years to see a negative return or a lower return. So this kinda fits with the way that we sort of see the portfolio is working. But it also sort of shows me that there are some things that we could update because you are in much of an older portfolio.\n\nAnd when I kinda look back to from inception, since when you came on board in 2022, you've actually had a 17.09% return overall. So your portfolio has been growing steadily, which is great, but we wanna just update the portfolio, maybe replace some underperforming investments. One of the things that we do sort of like with market volatility is that it does sort of show you what is performing, what isn't performing, and where there might be need to be some changes made. One of the things I kind of looked at was in your portfolio, you do have to bend along Australian Equities investment. This was placed in your portfolio years ago because it has performed really well long term, but just recently, they've had some underlying issues and haven't been able to perform.\n\nOne of the things with having an active manager and Benelong is an active manager, so the investment manager within that fund is supposed to be trying to outperform against the market, and they haven't been able to do so. They've had some underlying issues, which is sort of what's partly holding your portfolio back at the moment because all your other investments have performed really well this year. So I do wanna maybe look at providing some advice for you if you're happy for me too. I wanna definitely remove that out of the portfolio for you, replace that, and I'd love to go back. There's some other things while everything's working really well.\n\nI might be able to rejig the rest of the portfolio for you just sort of update things, make some changes, keep the portfolio working a little bit harder for you as well. Yeah. Beautiful. And some of the investments I'm looking at are also a little bit cheaper as well. So we might be able to reduce some of the investment fees within your portfolio for you, lower the overall cost a little bit.\n\nHow does that sound? Yeah? Beautiful. One of the things I kinda wanted to touch on is there are different ways to have or to build an investment portfolio. One of the ways is to have active managers life span along in your portfolio.\n\nYou do pay a little bit more of a premium for having those sorts of managers in your portfolio. There are other ways that are passive investments, which can be lower risk. You're not trying to outperform against the market there. When you're younger, you can take a little bit more risk and have those active managers in there, and you've got a lot of time before you can access your sofa. But it's also more down to a preference.\n\nWould you like me to look at a portfolio that keeps a little bit of active management reviewing that moving forward, or would you like to just focus on a lower cost portfolio and remove the the risk of active managers underperforming. What would you like to see? Yeah. Yeah. And look, that does not sound silly in any way, shape, or form, Scott.\n\nThat's actually a really good thing to do. I'm happy to look at all the different options for you if you like. We we do include active management and passive portfolios. I can look at the overall cost. I can look at how that's gonna affect you long term based on, you know, past performance of the investment spend.\n\nI can also look at the capital gains consequences because one of the important things to make mention for you is that your super fund, just like you, does a tax return every year. They pay income tax and capital gains tax. So whenever investments are bought and sold and investments are changed up, your super fund does have a capital gains consequence. So I can go back and do all the research for you. I can look at how you invested the portfolio you're in, look at all the different options I have to invest you in other areas, look at the cost, the CGT consequences, and look at the fight next five to ten years to see what that projected outcome looks like and recommend the best option for you.\n\nDoes that sound comfortable for you? Yeah. Yeah. That's why yeah. Absolutely.\n\nYeah. Absolutely. And that's really important to note too is that we are here to work in your best interest. We do also, our license under the corporations act, We're all licensed advisers, and we work under the best interest duty, which essentially means we need to be working for you and updating things for you. If ever under the best interest duty, if ever your best interest clash with that of our business, I would put you before that of our company as well.\n\nSo rest assured, I I promise to look after you, be open and honest, but I'd like to sort of pride myself on the honesty aspect, making sure that when the market's not performing well, when the portfolio is down, letting you know that there is always a note that there are ups and downs in the market. So I, you know, never wanna sugarcoat anything that isn't honest and open for you. And you're welcome to if you hear things or are unsure about markets or what's happening. You're welcome to give me a call, vent it out, and we can talk us through. That's what I'm here for for you as well.\n\nOkay? Excellent. Beautiful. Well, I've got some great ideas on what I can do to sort of fix up your portfolio and update things for you, which is fantastic. We'll definitely remove some underperforming investments, and we'll look at how we can build things for you there.\n\nI like it. I also can see here with your insurances. Now you've got your nearest life insurances with life, TBD, and income protection there with the sum insured of your life cover. So the way I like to phrase this is if you were to pass away today, your life insurance pays out $997,004.92, but then your super benefit is also paid out on top of that. Okay?\n\nSo you've got $99,749.02 plus $95,830.69. So it's about a 1,093,000 sitting there of benefit. Just in the event of passing, what is it your wishes? Who do you want that to be paid to? What were you what's your goal around having that money paid out?\n\nWhat did you want it to cover? I love that. Beautiful. Yeah. How much do you have owing on the mortgage?\n\nSorry. Yeah. Yeah. Okay. Yeah.\n\nMhmm. Yeah. Yeah. Oh, I'm so sorry. Yeah.\n\nYep. Yeah. Absolutely. Most definitely. And I can see your beneficiary nomination here on your super is completely nominated to her.\n\nSo I've got down Amy Lowry to receive a 100% of the benefit. That's correct? Yep. Beautiful. Good to hear.\n\nExcellent. And how much do you have owing on the mortgage currently? I had $2.20 $2.59 last year. $2.59. You're absolutely fine.\n\nBeautiful. Do you have anything sitting in the offset account offsetting some of that? Nope. That's okay. Yep.\n\nYeah. Yes. Oh, wow. It's a lot going on. I'm so sorry to hear that.\n\nYeah. I know. Understandable. I'm dreading the letter that comes through now to tell me how much my mortgage is gonna increase by. Not fun at all.\n\nYeah. Yes. Yes. No. Understandable.\n\nAbsolutely. I think most mortgages these days are very much higher than what you do have there, so a lot of people are gonna be feeling a lot more stress. Absolutely. Yeah. Perfect.\n\nJust with that life amount that you are covered for, are you fairly comfortable with that amount? It definitely pays out the mortgage and certainly leaves with pretty decent buffer there for your family. Yep. Beautiful. Yeah.\n\nThat's okay. If you ever not, you wanted to reevaluate it, you let me know. That's what I'm here to help you with. Okay? Beautiful.\n\nYeah. Yep. Yeah. Absolutely. I mean, if we sort of look at it that there and we go to 52,000, reducing the mortgage total, I don't have any other debts noted down here.\n\nDo you have any other debts that might need to be paid out? No. That's yep. Yeah. No.\n\nThat's okay. That's understandable. Hopefully, it all gets a bit better for you soon. In income wise, I had you on a base income of around about 100 and sorry. $74,007.52, And I had a note here that you were expecting about a 105,000 this last year total.\n\nDoes that sound correct for your income, or what do you want at the moment? Yep. Mhmm. Okay. Yep.\n\nYep. Okay. That's okay. I can absolutely work that out for you, and I'll just pop that into the calculator now. So we'll say per hour.\n\nAnd you just do thirty eight hours a week? That's okay. Mhmm. Yep. Beautiful.\n\nNot a problem at all. So just looking at that one there, it gives you essentially a gross income of around about $79,830.40 there. That's obviously base, and then there could be additional, you know, overtime and loadings and things on top of that. Does that sound right? Yep.\n\nYep. Mhmm. Yep. Yeah. Right.\n\nYeah. Yeah. Mhmm. Okay. Beautiful.\n\nBefore tax. Excellent. Thank you so much. And I'll update everything here. Beautiful.\n\nExcellent. So the main reason to sort of look at that is, obviously, looking at income protection. So you have a a monthly benefit that you're insured for growth of 5,599. Based on your base income, it does show you're slightly over insured. But if you're working overtime and things like that, having that extra monthly benefit does mean you could claim just slightly a little bit more without having to increase it back later down the track.\n\nAre you yeah. You're fine. You're fine. Yes. Okay.\n\nYeah. No. That's absolutely fine. So keeping your income protection at that level feels fairly appropriate for you. Did you wanna look at yeah.\n\nBeautiful. You absolutely. Now you do have a ninety day waiting and a five year benefit period. Do you understand how income protection works, what the benefit periods and waiting periods essentially stand for? That is absolutely true as well.\n\nYour waiting period is how long you have to be off work prior to submitting your claim. So if you are off work due to illness or injury, you've just gotta be off work for ninety days. What I sort of suggest is if there's a point where you're off work due to illness or injury and you're pretty sure you're gonna make that waiting period, give us a call. Let us know straight away so we can let the insurer know that starts the waiting period. And then at ninety days, we can finalize and submit the claim.\n\nBut in the meantime, they're getting the claims forms ready to go for you because some of them have to be filled out by your doctors as well. So that's just essentially what a waiting period means. It does mean in that time frame, you do have to cover expenditure through your own means by way of savings or credit cards or extra work. Sorry. Yeah.\n\nYeah. Mhmm. Mhmm. In premium? No.\n\nI can find that out for you. I'm just gonna log in to the portal now because I can live quote the difference to see what that would look like for you. Yeah. Yeah. Absolutely.\n\nThat's not a problem at all. But there we go. I'm just loading your profile now for you. Approaching. Okay.\n\nBeautiful. So now you've got a five year benefit period as well. Are you happy with the five year benefit period? It does just mean that you can be on a claim for up to five years in the event of something happening. Yep.\n\nYeah. Beautiful. So yeah. Yeah. There's other things that can be claimed there.\n\nThere we go. Beautiful. Sorry. It just loaded. Excellent.\n\nAlright. So I'm just gonna change the waiting period from ninety days to thirty days, and it's showing me the total premium there for all the now your total premium you have on all your insurances at the moment paid out of super was $3,174.06. So if I go three one seven four point seven six. And the new premium, if you had a thirty day waiting, does increase the policy cost to a total $4,707.44. So I'm just looking at the difference.\n\nWait. It's about $900 difference total between the gross cost of the premium. Yeah. Yeah. Just yeah.\n\nJust increases it slightly there. But if you wanted to look at doing that, I'm absolutely fine to incorporate that for you. It does obviously increase the the cost of the policy. And these are steps policies as well. So they do go through a renewal period every year, which means that they do increase along with CPI.\n\nSo the amount that you're covered for will increase a little bit each year, but it also means the cost of the premium is gonna also increase each year. So we wanna make sure we review them. And as you don't need such a high amount of insurances, we kinda reduce it back and alter it so that it's not eating away all your super, essentially. Yeah. Yeah.\n\nYep. Beautiful. Yep. Abs absolutely. Not a problem at all.\n\nNow we've also got your TBD cover there, so total permanent disability cover. That essentially pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity or permanent disability. You've got the same level of cover. That's it doesn't matter what it is. It could be inside work or outside work.\n\nThe main thing that is with these policies is that you have an any occupation definition. So it essentially means that in order to claim on the policy, you never have to be you sorry. Never can go back to work again for any occupation for which you're educated, trained, or have worked in the past. And I'm just popping the policy in to double check that one. Yeah.\n\nYou've got the super any definition there. Perfect. So, yeah, essentially, it does it is a hard definition to claim on. It doesn't mean that something has to happen at work. It can be outside of work.\n\nSo as an example, if you have a a car accident or motorcycle accident, you break your back and you can never go back to being a laborer again, that will assess to see if there's any other occupation that you have been worked or trained in the past that you can that you can go back to. If your two doctors, one being a specialist, say that he's never going back to work, then that can be claimed on for you. So it is a difficult one, but it is important to sorta have some sort of TBD cover because you just never know what's gonna happen. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. Now the other thing I do like to make sure everyone is aware of is that TBD is unfortunately a taxable payment. So if in the event that you were to claim on that, we can also claim and release your super.\n\nSo it does mean that your gross amount that you're covered for is the same as life, a bit over $11,093,000, which is a good amount. If you were to claim on that and take the full lump sum upfront, the government, unfortunately, taxes that at up to 22% depending on the age and stage of the claim. Kinda sucks. That means the amount that you are covered for, you're not likely to receive upfront. What I like to make sure you're aware of is that if you were to have a claim on TBD, we, as advisers, would provide advice on how to structure the payments, whether to take a lump sum, how much of that, how to minimize the tax.\n\nThere are some fun little things we can do in the back end to help lower or minimize the tax consequences and or how to keep as much money invested long term and maybe draw out a smaller income stream as well. So I do just like to make sure yeah. Yeah. Absolutely. Yeah.\n\nBeautiful. You're right. No. You're absolutely fine. You've got lots of things to do.\n\nI completely understand. I love that. Fantastic. Well, that's basically I've got a really good idea. We're happy with the life of TBD, the income protection, not wanting to make any alterations to those covers at this time.\n\nIs that right? Yeah. Beautiful. Yeah. That's absolutely fine.\n\nHaving a look at your circumstances here, I can see you've got one dependent, one child, was 15. I'm assuming now 16 years of age. Oh, wow. They grow up so fast, don't they? Oh, good.\n\nI know money is a bit tight with everything at the moment with everything you're going through. So I'm assuming you're not sort of wanting to apply for any additional insurances that might be paid out of pocket, like trauma, child trauma, things like that. You're happy do you have any questions about any of those types of covers? Has anyone ever sort of, spoken to you about the different insurances that you can also hold in those areas? Yep.\n\nThat's absolutely fine. That's not a problem. Yeah. Absolutely. Not a problem.\n\nI do understand that. I'll just sort of make a note here that, you know, additional insurances, and I'm sort of looking at one of the things I wanted to sort of see was whether you were in a position to make additional contributions to sleep, but it looks like you're probably not as of yet. So I can hold, your additional contributions off and revisit that down the track. Would that be okay with you? Yep.\n\nBeautiful. Excellent. The only other thing to sort of look at is within that email, what we've set you, we've also got our ongoing services agreement there for you, which does outline your ongoing services fee for our services. Essentially, there has been one little change that we have made to the new agreement moving forward, and one of the things is that it's now gonna be a more of a tiered structure. So, essentially, once your super balance hits 200,000, the ongoing service fee after the balance of 200,000 is 1.65% as you have been paying down the over the last couple of years.\n\nThere's no major changes there. Once your super balance hits 200,000, then the next tier comes into play. And, essentially, any you'll you know, the amount over that will only be paying 1.375. And then once your super balance hits 500,000 and then a million after that, that so it's just basically a tiered structure. So the higher your super balance goes, the lower the tier still ends up being.\n\nSo the idea is that it's more structured. It's going to sort of lower the cost of your ongoing services as your super balance increases, which is great. Think of it a bit like the tax system. We have different tiers for the taxation, and this will work exactly the same way there. One of the other things I do like about our new tier structure is that we are not going to save 1.65 with an estimated.\n\nSo on your ongoing services fee agreement over the last few years, we always You're right. You did well. All good. The other thing I just wanna let you know is that in the past, we've always provided an ongoing service agreement, which outlines the estimated fee for the year. Our new fee, essentially, because it is a tier structure, we're now going to essentially calculate the total fee to be paid for the year, and it means that we're accounting for about a 5% increase or a growth in the account, essentially.\n\nWith the older fee, if you were getting a 20 or 30% increase, our fee was gonna go up drastically with that. Because we're now gonna oh, sorry. Work out your total fee as a dollar figure, it means that you know exactly how much you're gonna pay for our services for that year, and you won't pay anything more. So if you get a 20 or 30% increase in your super, it's not gonna continuously go up. It'll cap our services fee at what we have stipulated in the account.\n\nSo it's actually gonna work out a lot better for you. It's a little bit more certainty around our ongoing services fee, and it means that the higher your super balance goes, you'll drop down into the lower tier. So that'll work out to your favor down the track as well. Okay? Do you have any questions about any of that?\n\nBeautiful. Excellent. We've also got in there the the Vanguard file, which essentially outlines you alright? No. You're fine.\n\nNo. You're absolutely fine. I promise I'm almost done. All good. All good.\n\nThe other documents for you to run your eyes over are your nearest to view. Currently, the Vanguard index chart, which essentially just shows you how markets react over time and why we invest the way we do. It shows you where the ups and downs have occurred over time, and that continuously investing long term does provide great benefits. So that's necessary to run your eyes over. We've also got in there our oh, sorry, Okey Financial Services guide, which outlines everything about who we are, what we do, how we do it, has all my licensing information there for you as a licensed adviser.\n\nIt also outlines any additional services and how our ongoing service fee works. So you're welcome to run your eyes through any of those. If you do find you have any questions, you're welcome to let me know at any point in time. Okay? Once you have, yeah, once you have run your eyes over the documents, we'll get you to sign the ongoing services agreement, return it back just so we can continue looking after things for you and providing advice.\n\nOngoing service fee also includes that extra advice for super as well. So yeah. It is. Yeah. Absolutely.\n\nNice and easy. Yeah. Perfect. I also just wanted to update a few additional things there for you. So we've updated your mortgage on your property.\n\nWhat sort of value would you put on your house at the moment, your main primary residence? Yep. Yep. Yep. Awesome.\n\nYeah. Right. Yeah. Yeah. Beautiful.\n\nExcellent. Not a problem. I've also got your 2018 Ford Everest fully kitted out there, and asset value last year was 32,000. Do you think you'd keep that the same or alter that? Nice.\n\nYeah. With you. Yeah. Yeah. Okay.\n\nBeautiful. Excellent. And I've got a caravan down here as well. Do you still have the caravan? It doesn't say.\n\nIt just says caravan. 17,500 value with no debt. Okay. Do you still do you have another caravan? Yep.\n\nOkay. Beautiful. And what sort of value would you put on that, do you think? Yep. Beautiful.\n\nDo you get out very often in it? No. No. Yep. Yep.\n\nNice. Fantastic. Yep. Beautiful. Absolutely.\n\nAnd then I've lost. You. Sorry. You're alright? You're good with that?\n\nYou're good. Oh, nice. Yeah. Wow. Yeah.\n\nWow. Yeah. Yep. Wow. Yeah.\n\nWow. Yeah. Absolutely. No. Completely understandable.\n\nThat trip sounds amazing. I hope you enjoy that, and we are not far away from January. So, hopefully, the countdown's on. Pay that. Yeah.\n\nWow. Yeah. Yeah. It'll make the holiday worthwhile, all the more enjoyable. Excellent.\n\nI've got your motorbike down here as well with a value of 4,000 500 on it. What sort of value would you put on that currently, do you think? Yep. Beautiful. Yeah.\n\nAbs absolutely. And then I've got contents down here with a valuation of a 100,000. Would you keep that the same or alter the contents value? Yep. Beautiful.\n\nAnd then looking at the other estate planning side of things here, I've got down here that you don't have a will or power of attorney in place. Have you guys gone through the process or spoken to a solicitor about drawing up your own? No. No. That's okay.\n\nDefinitely on the list of things to try and get sorted. Absolutely. Not a problem at all. And then I think that's pretty much everything. I just sort of noted here, like, with your original goals for your super, I had down that you were hoping to access super around about the age of 60.\n\nDoes that still feel fairly appropriate for that goal? Yep. Beautiful. Yeah. Yeah.\n\nYep. Absolutely. That sounds fantastic. We also had it noted that and, look, this could definitely change by the time you get there, but you were working on about a goal of earning $1,500 a week from so far. Is that still fairly appropriate for now knowing that could definitely change?\n\nYou're right. Yeah. You're you're you're absolutely fine. Yeah. Of course.\n\nNo. Not a problem. Yeah. Yep. Yep.\n\nYep. Oh, absolutely. Yeah. Most definitely. Perfect.\n\nExcellent. Well, I'll definitely work on the back end for your goal there for you. Do you have any other goals that you're looking to achieve down the track? Or yep. Yes.\n\nThat's right. Yep. No. That's okay. Well, I mean, down the track and in the the financial services guide, it does outline other services there.\n\nSo if you did need additional advice outside of the super insurance aspect, we can do so. We would just have more of a conversation. There are additional fees for advice that are outside of super, but we would look at what you need. If it's just general advice, I can do that free of charge for you. But if there's anything else you need, you're welcome to let me know.\n\nI will talk you through it. If I can do it free of charge, I absolutely will. If it's just general information, general advice, absolutely. If it's something more personal you're looking to achieve, we'll work out what it is, work in your best interest, and help to provide the personal advice in relation to that for you. So we are definitely here to help in all aspects of your life as much as we definitely can.\n\nSo but for this one, I'll work on getting your super working a bit harder. We'll swap some things out and update your portfolio for you to see if we can get it working a bit harder for you and hopefully reduce some of those costs involved. Okay? Excellent. Beautiful.\n\nThe last thing here is excellent. The last thing I just wanna check is your risk profile. So if you are in that growth environment, as I sort of mentioned, with your time horizon towards your goal age, you have about twenty one years before accessing super currently. The growth portfolio does suit someone who has at least six years before accessing their super there. It technically, as I mentioned, does expect a negative return to the one in every five years.\n\nWe want the best returns we possibly can out of our super. But when we think about compounding annual returns, we're expecting around about a seven to 9% average from this portfolio. And then when we think about volatility, anything under 7% is obviously a lower rate of return underperformance, but they also could be because of external market activities there. Are you still fairly comfortable being in that kind of environment? Did you wanna kinda go through a risk profile and review that at all, or are you still fairly happy there?\n\nYep. Yeah. We wanna get you up there. Absolutely. Well, I'll see what I can do to help and update the advice and sorta get things working a bit harder for you.\n\nThat's absolutely perfect. What I would like to probably do now before I let you go is just to rebook you in to have your advice presented in the next couple of weeks there. It takes us a few weeks to kinda get everything completed and the research sorted for you. Would you be available for a booking from, say, Monday, October 19 at all? Yep.\n\nAnd what sort of time generally fits you better to run through the updated advice? Morning, afternoon? Yep. Yep. Yes.\n\nSo 02:30 South Australia time suits you the best. Yep. Absolutely. Not a problem at all. Well, I do have availability for you essentially.\n\nIf I just go back. Sorry. I've lost my date. The Tuesday is available. Is that okay if I book it in then?\n\nYeah. The Tuesday, the twentieth. Sorry. Yeah. Yeah.\n\nBeautiful. I'll book it in there. So it'll be 02:30 South Australia time there for you on Tuesday, the twentieth. I'll add a text message reminder so it sends you a message two hours prior. And then if anything comes up, you can let us know, but we'll look to have that ready to go for you then.\n\nOkay? Easy. My pleasure. Thank you so much for your time. When you do go through those documents, if you do find you have any questions, please let let me know.\n\nBut, otherwise, I'll just get you to sign and return them back. But thank you for your time today, Scott. I really appreciate that. Thank you. I'll talk to you soon.\n\nHave a great afternoon. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Scott.","start":1.5999999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.1699707806110382},{"text":"This is Dana from OKIE Financial.","start":2.1599998,"end":3.86,"sentiment":"neutral","sentiment_score":0.19606413940588632},{"text":"How are you this afternoon?","start":3.9199998,"end":5.06,"sentiment":"neutral","sentiment_score":0.3214484632015228},{"text":"No.","start":16.505,"end":16.744999,"sentiment":"neutral","sentiment_score":0.02082839235663414},{"text":"You're absolutely fine.","start":16.744999,"end":18.025,"sentiment":"neutral","sentiment_score":0.22613670428593954}],"sentiment":"neutral","sentiment_score":0.22487101287526243,"num_words":17,"start":1.5999999,"end":18.025},{"sentences":[{"text":"Is now still a good time to go through a bit of a review for you?","start":18.025,"end":21.224998,"sentiment":"neutral","sentiment_score":0.15984562365338206},{"text":"Yep.","start":21.224998,"end":21.724998,"sentiment":"neutral","sentiment_score":0.04919634759426117},{"text":"Yeah.","start":25.88,"end":26.119999,"sentiment":"neutral","sentiment_score":0.06416551768779755},{"text":"That's okay.","start":26.119999,"end":26.859999,"sentiment":"neutral","sentiment_score":0.14079423248767853},{"text":"Not a problem at all.","start":27.0,"end":28.199999,"sentiment":"neutral","sentiment_score":0.19917522370815277}],"sentiment":"neutral","sentiment_score":0.1579342570900917,"num_words":25,"start":18.025,"end":28.199999},{"sentences":[{"text":"I'll jump in through what I need to.","start":28.199999,"end":29.72,"sentiment":"neutral","sentiment_score":0.1634905319660902},{"text":"If at any point you need to reschedule or come back later, just let me know, and I can always finish another time.","start":29.72,"end":34.52,"sentiment":"neutral","sentiment_score":0.12098650018806043},{"text":"But we'll try to make it as quick and easy as possible for you.","start":34.52,"end":37.815,"sentiment":"neutral","sentiment_score":0.2805746995976993},{"text":"I have had a bit of a look at everything prior to just calling you, and I've sort of found there's some advice we can look to provide to update things as well.","start":38.135,"end":44.614998,"sentiment":"neutral","sentiment_score":0.09197127875505072},{"text":"So this year has been a little bit up and down with the markets and everything going on.","start":44.614998,"end":47.975,"sentiment":"neutral","sentiment_score":0.0005032864088813462}],"sentiment":"neutral","sentiment_score":0.11523719696560875,"num_words":96,"start":28.199999,"end":47.975},{"sentences":[{"text":"So there's a few changes I think we can make to keep things working a bit harder for you.","start":47.975,"end":52.454998,"sentiment":"neutral","sentiment_score":0.0421625024786121},{"text":"Okay?","start":52.454998,"end":52.954998,"sentiment":"neutral","sentiment_score":0.02937209978699684},{"text":"Excellent.","start":54.559998,"end":55.059998,"sentiment":"neutral","sentiment_score":0.2269894778728485},{"text":"Yeah.","start":59.199997,"end":59.699997,"sentiment":"neutral","sentiment_score":-0.014045409858226776},{"text":"Yeah.","start":60.239998,"end":60.739998,"sentiment":"neutral","sentiment_score":0.0004086717963218689}],"sentiment":"neutral","sentiment_score":0.04538314724745958,"num_words":23,"start":47.975,"end":60.739998},{"sentences":[{"text":"No.","start":60.879997,"end":61.12,"sentiment":"neutral","sentiment_score":-0.029156846925616264},{"text":"That's okay.","start":61.12,"end":61.839996,"sentiment":"neutral","sentiment_score":0.032199569046497345},{"text":"There's definitely some things we can do, and I've had a really good look at everything prior there.","start":61.839996,"end":65.685,"sentiment":"neutral","sentiment_score":0.13605248679717383},{"text":"Before I do jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start":66.005,"end":71.204994,"sentiment":"neutral","sentiment_score":0.09074728814168619},{"text":"Are you happy for me to proceed with that?","start":71.204994,"end":73.225,"sentiment":"neutral","sentiment_score":0.12269694523678885}],"sentiment":"neutral","sentiment_score":0.1062123045059187,"num_words":56,"start":60.879997,"end":73.225},{"sentences":[{"text":"Yeah.","start":75.284996,"end":75.685,"sentiment":"neutral","sentiment_score":0.14267238974571228},{"text":"Beautiful.","start":75.685,"end":76.185,"sentiment":"positive","sentiment_score":0.386926531791687},{"text":"Excellent.","start":77.204994,"end":77.704994,"sentiment":"positive","sentiment_score":0.3950411081314087},{"text":"And then just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":77.765,"end":84.439995,"sentiment":"neutral","sentiment_score":0.1832798094518723},{"text":"Yep.","start":86.579994,"end":87.079994,"sentiment":"neutral","sentiment_score":0.0278293639421463}],"sentiment":"neutral","sentiment_score":0.18954695676054273,"num_words":35,"start":75.284996,"end":87.079994},{"sentences":[{"text":"Mhmm.","start":88.42,"end":88.92,"sentiment":"neutral","sentiment_score":0.011257961392402647},{"text":"Legend.","start":91.86,"end":92.34,"sentiment":"neutral","sentiment_score":0.21974508464336395},{"text":"Thank you so much for that.","start":92.34,"end":93.855,"sentiment":"positive","sentiment_score":0.8188917140165964},{"text":"So, Scott, just to sort of start with, we normally send through the documents to you to review with us.","start":94.095,"end":98.175,"sentiment":"neutral","sentiment_score":0.18246480897068978},{"text":"Are you able to access your emails at the moment?","start":98.175,"end":100.415,"sentiment":"neutral","sentiment_score":0.03482339438050985}],"sentiment":"neutral","sentiment_score":0.24057588035142735,"num_words":38,"start":88.42,"end":100.415},{"sentences":[{"text":"If you can't, it's honestly okay.","start":100.415,"end":102.115005,"sentiment":"neutral","sentiment_score":0.04153661305705706},{"text":"It's okay.","start":104.975006,"end":105.535,"sentiment":"neutral","sentiment_score":0.16954456269741058},{"text":"If you can't, don't don't stress.","start":105.535,"end":106.98,"sentiment":"neutral","sentiment_score":0.06557631678879261},{"text":"I'll run through it all, and I'll send it through you anyway so you can review it later.","start":106.98,"end":110.44,"sentiment":"neutral","sentiment_score":0.18412734816471735},{"text":"Yeah.","start":111.38,"end":111.88,"sentiment":"neutral","sentiment_score":0.0394926555454731}],"sentiment":"neutral","sentiment_score":0.1313803523327365,"num_words":33,"start":100.415,"end":111.88},{"sentences":[{"text":"That's okay.","start":113.78,"end":114.68,"sentiment":"neutral","sentiment_score":0.09150443226099014},{"text":"Yeah.","start":115.7,"end":116.1,"sentiment":"neutral","sentiment_score":0.2455529272556305},{"text":"Absolutely.","start":116.1,"end":116.6,"sentiment":"positive","sentiment_score":0.4915474057197571},{"text":"All good.","start":116.9,"end":117.38,"sentiment":"positive","sentiment_score":0.5939305126667023},{"text":"So I have sent it through to your email there.","start":117.38,"end":119.3,"sentiment":"positive","sentiment_score":0.3897664278745651}],"sentiment":"positive","sentiment_score":0.3753521563485265,"num_words":16,"start":113.78,"end":119.3},{"sentences":[{"text":"So if you can't now, it's honestly okay.","start":119.3,"end":121.415,"sentiment":"positive","sentiment_score":0.3710508458316326},{"text":"It'll be there for when you've got some time later and you're able to review them.","start":121.415,"end":124.715,"sentiment":"positive","sentiment_score":0.34227379597723484},{"text":"If you do have any questions once you have reviewed everything, please let me know.","start":124.935,"end":128.555,"sentiment":"neutral","sentiment_score":0.13394292692343393},{"text":"I just like to make sure you're aware that I'm open and honest with everything, and the first thing I kinda wanted to go through with you is a little bit about the market.","start":128.935,"end":135.63,"sentiment":"neutral","sentiment_score":0.07853115886888083},{"text":"So this year has been very up and down.","start":135.63,"end":137.73001,"sentiment":"neutral","sentiment_score":-0.2294124828444587}],"sentiment":"neutral","sentiment_score":0.13486924953758717,"num_words":82,"start":119.3,"end":137.73001},{"sentences":[{"text":"The markets have had some good returns this year, but also have had some downtimes and some severe volatility.","start":138.03,"end":143.25,"sentiment":"neutral","sentiment_score":-0.1266986359106867},{"text":"And it's something that while your balance is a little bit lower at the moment, wouldn't really notice a great deal.","start":143.71,"end":148.665,"sentiment":"neutral","sentiment_score":-0.14579651149965467},{"text":"But as your balance increases, it does have a bit of an effect.","start":148.665,"end":151.785,"sentiment":"neutral","sentiment_score":-0.08018125994847371},{"text":"But it does mean that with the the risk profile you're in, you're in that growth environment, which is 80% in growth assets and 20% in lower risk defensive assets.","start":151.785,"end":161.95,"sentiment":"neutral","sentiment_score":-0.036751839642723404},{"text":"So you are gonna feel and see volatility.","start":161.95,"end":164.05,"sentiment":"neutral","sentiment_score":-0.06093622511252761}],"sentiment":"neutral","sentiment_score":-0.08902639772865799,"num_words":91,"start":138.03,"end":164.05},{"sentences":[{"text":"Sorry.","start":164.51,"end":164.83,"sentiment":"neutral","sentiment_score":-0.09347247332334518},{"text":"You're right.","start":164.83,"end":165.49,"sentiment":"neutral","sentiment_score":-0.021904037799686193},{"text":"Not that I can see.","start":169.79001,"end":170.75,"sentiment":"neutral","sentiment_score":-0.14540856778621675},{"text":"You're definitely still sitting in that growth asset allocation currently.","start":170.75,"end":173.97,"sentiment":"neutral","sentiment_score":-0.03594275191426277},{"text":"Was that something that someone was gonna do for you a while ago?","start":174.315,"end":177.375,"sentiment":"neutral","sentiment_score":0.035968227741809994}],"sentiment":"neutral","sentiment_score":-0.02439238536622255,"num_words":31,"start":164.51,"end":177.375},{"sentences":[{"text":"Oh, yeah.","start":188.87001,"end":190.01001,"sentiment":"neutral","sentiment_score":-0.06992410123348236},{"text":"Yeah.","start":192.63,"end":192.95,"sentiment":"neutral","sentiment_score":0.017529616132378578},{"text":"So the at COVID, they did sell and move some money into cash.","start":192.95,"end":197.51001,"sentiment":"neutral","sentiment_score":0.021917819117124263},{"text":"And then a few months after that, they sent out an email to say that we were reinvesting the funds when the market was going back up again.","start":197.51001,"end":204.33,"sentiment":"neutral","sentiment_score":0.021056592664016143},{"text":"But that was yeah.","start":204.695,"end":206.075,"sentiment":"neutral","sentiment_score":0.17459341138601303}],"sentiment":"neutral","sentiment_score":0.030220235465094447,"num_words":48,"start":188.87001,"end":206.075},{"sentences":[{"text":"Yeah.","start":206.135,"end":206.455,"sentiment":"neutral","sentiment_score":0.10485434532165527},{"text":"So you are you asked for, like, growth environment's absolutely fine.","start":206.455,"end":209.915,"sentiment":"neutral","sentiment_score":0.10238778591156006},{"text":"We haven't done that this year with the volatility because you do have to pick your timing, and it is a very risk risky decision to sell people out of their portfolio where there is volatility around because you may not time the market correctly.","start":210.375,"end":222.54001,"sentiment":"neutral","sentiment_score":-0.29845884972148473},{"text":"Timing the market is a very hard decision to make.","start":222.54001,"end":225.18001,"sentiment":"negative","sentiment_score":-0.38465164601802826},{"text":"In COVID, there was a lot of factors that kinda showed our directors that they needed to make that decision back then.","start":225.18001,"end":230.38,"sentiment":"neutral","sentiment_score":-0.29042744501070544}],"sentiment":"neutral","sentiment_score":-0.25208369098352584,"num_words":89,"start":206.135,"end":230.38},{"sentences":[{"text":"So with this year's volatility, just to kinda go through now, your portfolio has definitely increased.","start":230.38,"end":237.455,"sentiment":"neutral","sentiment_score":0.06651531206443906},{"text":"So when we have a look at your annual review last year, your balance then was sitting at $79,934.27.","start":237.455,"end":245.875,"sentiment":"neutral","sentiment_score":0.1314650244618717},{"text":"Your balance as of this year, you're sitting at $95,830.69.","start":246.18001,"end":251.46,"sentiment":"neutral","sentiment_score":0.210908505320549},{"text":"So it is good.","start":251.46,"end":252.26001,"sentiment":"positive","sentiment_score":0.5582948625087738},{"text":"You have seen some growth in the portfolio.","start":252.26001,"end":254.28,"sentiment":"neutral","sentiment_score":0.28679508343338966}],"sentiment":"neutral","sentiment_score":0.1789246601493735,"num_words":57,"start":230.38,"end":254.28},{"sentences":[{"text":"It is just a lower rate of return.","start":255.22,"end":256.98,"sentiment":"neutral","sentiment_score":0.10481743235141039},{"text":"So, realistically, over the past twelve months, you have only returned about a 2.06% return.","start":256.98,"end":262.535,"sentiment":"neutral","sentiment_score":0.08606906334559122},{"text":"That is a very low positive return.","start":262.755,"end":265.095,"sentiment":"neutral","sentiment_score":-0.03861251260553088},{"text":"It is positive, but I'm honest, it is a very low return.","start":265.155,"end":267.975,"sentiment":"neutral","sentiment_score":-0.1685729535917441},{"text":"And I definitely wanna make sure returns moving forward a little bit better than that where where possible.","start":268.43503,"end":273.015,"sentiment":"neutral","sentiment_score":0.09977146983146667}],"sentiment":"neutral","sentiment_score":0.02720498057703177,"num_words":60,"start":255.22,"end":273.015},{"sentences":[{"text":"Yeah.","start":273.95502,"end":274.45502,"sentiment":"neutral","sentiment_score":-0.16248291730880737},{"text":"One of the things I do kind of like to make sure everyone is aware is that with every portfolio, there is a likelihood of a negative return.","start":274.9,"end":282.26,"sentiment":"neutral","sentiment_score":-0.30319775907056673},{"text":"So with the growth environment that you're currently in, we do expect sort of one in every sort of five years to see a negative return or a lower return.","start":282.26,"end":290.18,"sentiment":"neutral","sentiment_score":-0.26255065500736235},{"text":"So this kinda fits with the way that we sort of see the portfolio is working.","start":290.18,"end":293.755,"sentiment":"neutral","sentiment_score":-0.06393783167004585},{"text":"But it also sort of shows me that there are some things that we could update because you are in much of an older portfolio.","start":294.295,"end":299.83502,"sentiment":"neutral","sentiment_score":-0.05255478784441948}],"sentiment":"neutral","sentiment_score":-0.18865414824336768,"num_words":100,"start":273.95502,"end":299.83502},{"sentences":[{"text":"And when I kinda look back to from inception, since when you came on board in 2022, you've actually had a 17.09% return overall.","start":300.295,"end":309.43,"sentiment":"neutral","sentiment_score":0.06475118050972621},{"text":"So your portfolio has been growing steadily, which is great, but we wanna just update the portfolio, maybe replace some underperforming investments.","start":309.56998,"end":317.66998,"sentiment":"neutral","sentiment_score":0.17074593952433628},{"text":"One of the things that we do sort of like with market volatility is that it does sort of show you what is performing, what isn't performing, and where there might be need to be some changes made.","start":318.255,"end":327.635,"sentiment":"neutral","sentiment_score":-0.05703799524589589},{"text":"One of the things I kind of looked at was in your portfolio, you do have to bend along Australian Equities investment.","start":328.65503,"end":334.97,"sentiment":"neutral","sentiment_score":-0.036199720576405525},{"text":"This was placed in your portfolio years ago because it has performed really well long term, but just recently, they've had some underlying issues and haven't been able to perform.","start":335.27,"end":344.88998,"sentiment":"neutral","sentiment_score":-0.0962683701266845}],"sentiment":"neutral","sentiment_score":-0.003981248338652008,"num_words":136,"start":300.295,"end":344.88998},{"sentences":[{"text":"One of the things with having an active manager and Benelong is an active manager, so the investment manager within that fund is supposed to be trying to outperform against the market, and they haven't been able to do so.","start":345.91,"end":357.35498,"sentiment":"neutral","sentiment_score":-0.07535026432015002},{"text":"They've had some underlying issues, which is sort of what's partly holding your portfolio back at the moment because all your other investments have performed really well this year.","start":357.35498,"end":366.59,"sentiment":"neutral","sentiment_score":-0.11294957622885704},{"text":"So I do wanna maybe look at providing some advice for you if you're happy for me too.","start":366.97,"end":371.39,"sentiment":"neutral","sentiment_score":0.07234148427637087},{"text":"I wanna definitely remove that out of the portfolio for you, replace that, and I'd love to go back.","start":371.69,"end":376.985,"sentiment":"neutral","sentiment_score":0.002641507963600912},{"text":"There's some other things while everything's working really well.","start":376.985,"end":379.72498,"sentiment":"neutral","sentiment_score":0.004177836132132345}],"sentiment":"neutral","sentiment_score":-0.042605325130178874,"num_words":115,"start":345.91,"end":379.72498},{"sentences":[{"text":"I might be able to rejig the rest of the portfolio for you just sort of update things, make some changes, keep the portfolio working a little bit harder for you as well.","start":380.185,"end":388.68,"sentiment":"neutral","sentiment_score":0.062280369866074936},{"text":"Yeah.","start":389.16,"end":389.66,"sentiment":"neutral","sentiment_score":0.2711205780506134},{"text":"Beautiful.","start":389.72,"end":390.22,"sentiment":"positive","sentiment_score":0.5824345946311951},{"text":"And some of the investments I'm looking at are also a little bit cheaper as well.","start":390.52,"end":393.8,"sentiment":"neutral","sentiment_score":0.27014442859217525},{"text":"So we might be able to reduce some of the investment fees within your portfolio for you, lower the overall cost a little bit.","start":393.8,"end":399.96,"sentiment":"neutral","sentiment_score":0.25211120148499805}],"sentiment":"neutral","sentiment_score":0.17709049428502718,"num_words":75,"start":380.185,"end":399.96},{"sentences":[{"text":"How does that sound?","start":399.96,"end":401.1,"sentiment":"neutral","sentiment_score":0.14258366636931896},{"text":"Yeah?","start":403.08,"end":403.58,"sentiment":"positive","sentiment_score":0.3629876673221588},{"text":"Beautiful.","start":403.63998,"end":404.13998,"sentiment":"positive","sentiment_score":0.6233283281326294},{"text":"One of the things I kinda wanted to touch on is there are different ways to have or to build an investment portfolio.","start":405.185,"end":410.885,"sentiment":"neutral","sentiment_score":0.12885188084581625},{"text":"One of the ways is to have active managers life span along in your portfolio.","start":411.425,"end":415.365,"sentiment":"neutral","sentiment_score":0.08157855918010076}],"sentiment":"neutral","sentiment_score":0.130543688820167,"num_words":44,"start":399.96,"end":415.365},{"sentences":[{"text":"You do pay a little bit more of a premium for having those sorts of managers in your portfolio.","start":415.585,"end":419.685,"sentiment":"neutral","sentiment_score":0.11735459926881288},{"text":"There are other ways that are passive investments, which can be lower risk.","start":420.47,"end":424.16998,"sentiment":"neutral","sentiment_score":0.12901465308207732},{"text":"You're not trying to outperform against the market there.","start":424.22998,"end":426.97,"sentiment":"neutral","sentiment_score":0.16128506263097128},{"text":"When you're younger, you can take a little bit more risk and have those active managers in there, and you've got a lot of time before you can access your sofa.","start":427.03,"end":434.33,"sentiment":"neutral","sentiment_score":0.0858254165899369},{"text":"But it's also more down to a preference.","start":435.275,"end":437.215,"sentiment":"neutral","sentiment_score":0.04285569628700614}],"sentiment":"neutral","sentiment_score":0.10452408655546605,"num_words":80,"start":415.585,"end":437.215},{"sentences":[{"text":"Would you like me to look at a portfolio that keeps a little bit of active management reviewing that moving forward, or would you like to just focus on a lower cost portfolio and remove the the risk of active managers underperforming.","start":437.275,"end":448.89,"sentiment":"neutral","sentiment_score":0.06467088830790349},{"text":"What would you like to see?","start":449.27002,"end":450.81,"sentiment":"neutral","sentiment_score":0.011503807579477629},{"text":"Yeah.","start":456.63,"end":457.13,"sentiment":"neutral","sentiment_score":-0.008998889476060867},{"text":"Yeah.","start":463.605,"end":464.005,"sentiment":"neutral","sentiment_score":0.03429268300533295},{"text":"And look, that does not sound silly in any way, shape, or form, Scott.","start":464.005,"end":468.725,"sentiment":"neutral","sentiment_score":0.025831508317164013}],"sentiment":"neutral","sentiment_score":0.0495646103809122,"num_words":64,"start":437.275,"end":468.725},{"sentences":[{"text":"That's actually a really good thing to do.","start":468.725,"end":470.745,"sentiment":"positive","sentiment_score":0.4216470792889595},{"text":"I'm happy to look at all the different options for you if you like.","start":470.885,"end":474.005,"sentiment":"neutral","sentiment_score":0.2699254165802683},{"text":"We we do include active management and passive portfolios.","start":474.005,"end":477.29,"sentiment":"neutral","sentiment_score":0.1068622652027342},{"text":"I can look at the overall cost.","start":477.51,"end":479.29,"sentiment":"neutral","sentiment_score":0.07694771300469126},{"text":"I can look at how that's gonna affect you long term based on, you know, past performance of the investment spend.","start":479.75,"end":485.45,"sentiment":"neutral","sentiment_score":0.07862769688169162}],"sentiment":"neutral","sentiment_score":0.17463912675946447,"num_words":59,"start":468.725,"end":485.45},{"sentences":[{"text":"I can also look at the capital gains consequences because one of the important things to make mention for you is that your super fund, just like you, does a tax return every year.","start":485.99002,"end":495.095,"sentiment":"neutral","sentiment_score":0.08158342178691835},{"text":"They pay income tax and capital gains tax.","start":495.095,"end":497.73502,"sentiment":"neutral","sentiment_score":0.06056293286383152},{"text":"So whenever investments are bought and sold and investments are changed up, your super fund does have a capital gains consequence.","start":497.73502,"end":505.28,"sentiment":"neutral","sentiment_score":0.06940583139657974},{"text":"So I can go back and do all the research for you.","start":505.41998,"end":508.46,"sentiment":"neutral","sentiment_score":0.1654096022248268},{"text":"I can look at how you invested the portfolio you're in, look at all the different options I have to invest you in other areas, look at the cost, the CGT consequences, and look at the fight next five to ten years to see what that projected outcome looks like and recommend the best option for you.","start":508.46,"end":524.155,"sentiment":"neutral","sentiment_score":0.14328489308817344}],"sentiment":"neutral","sentiment_score":0.11263648784634742,"num_words":132,"start":485.99002,"end":524.155},{"sentences":[{"text":"Does that sound comfortable for you?","start":524.155,"end":526.015,"sentiment":"neutral","sentiment_score":0.192722720404466},{"text":"Yeah.","start":527.915,"end":528.415,"sentiment":"neutral","sentiment_score":0.11492801457643508},{"text":"Yeah.","start":529.115,"end":529.615,"sentiment":"neutral","sentiment_score":0.2255164086818695},{"text":"That's why yeah.","start":531.29004,"end":533.63,"sentiment":"neutral","sentiment_score":0.1649381419022878},{"text":"Absolutely.","start":534.73004,"end":535.23004,"sentiment":"positive","sentiment_score":0.4567697048187256}],"sentiment":"neutral","sentiment_score":0.2040304063508908,"num_words":12,"start":524.155,"end":535.23004},{"sentences":[{"text":"Yeah.","start":536.89,"end":537.29004,"sentiment":"neutral","sentiment_score":0.2622677683830261},{"text":"Absolutely.","start":537.29004,"end":537.79004,"sentiment":"positive","sentiment_score":0.3392576575279236},{"text":"And that's really important to note too is that we are here to work in your best interest.","start":537.93,"end":541.85004,"sentiment":"neutral","sentiment_score":0.24113004240724775},{"text":"We do also, our license under the corporations act, We're all licensed advisers, and we work under the best interest duty, which essentially means we need to be working for you and updating things for you.","start":541.85004,"end":552.925,"sentiment":"neutral","sentiment_score":0.12427450778583686},{"text":"If ever under the best interest duty, if ever your best interest clash with that of our business, I would put you before that of our company as well.","start":553.625,"end":561.39,"sentiment":"neutral","sentiment_score":-0.04498247005816164}],"sentiment":"neutral","sentiment_score":0.09542655103346881,"num_words":85,"start":536.89,"end":561.39},{"sentences":[{"text":"So rest assured, I I promise to look after you, be open and honest, but I'd like to sort of pride myself on the honesty aspect, making sure that when the market's not performing well, when the portfolio is down, letting you know that there is always a note that there are ups and downs in the market.","start":561.39,"end":578.225,"sentiment":"neutral","sentiment_score":0.20131989921732196},{"text":"So I, you know, never wanna sugarcoat anything that isn't honest and open for you.","start":578.845,"end":583.64496,"sentiment":"neutral","sentiment_score":0.09532661636670431},{"text":"And you're welcome to if you hear things or are unsure about markets or what's happening.","start":583.64496,"end":588.0,"sentiment":"neutral","sentiment_score":0.13001571246422827},{"text":"You're welcome to give me a call, vent it out, and we can talk us through.","start":588.0,"end":590.80005,"sentiment":"neutral","sentiment_score":0.2113519525155425},{"text":"That's what I'm here for for you as well.","start":590.80005,"end":592.80005,"sentiment":"neutral","sentiment_score":0.2035242567459742}],"sentiment":"neutral","sentiment_score":0.17894784517978368,"num_words":114,"start":561.39,"end":592.80005},{"sentences":[{"text":"Okay?","start":592.80005,"end":593.30005,"sentiment":"neutral","sentiment_score":0.10958404093980788},{"text":"Excellent.","start":594.4,"end":594.9,"sentiment":"positive","sentiment_score":0.612083911895752},{"text":"Beautiful.","start":595.52,"end":596.0,"sentiment":"positive","sentiment_score":0.6414721608161926},{"text":"Well, I've got some great ideas on what I can do to sort of fix up your portfolio and update things for you, which is fantastic.","start":596.0,"end":601.38,"sentiment":"positive","sentiment_score":0.5863460554526403},{"text":"We'll definitely remove some underperforming investments, and we'll look at how we can build things for you there.","start":602.255,"end":607.055,"sentiment":"positive","sentiment_score":0.37311192519134945}],"sentiment":"positive","sentiment_score":0.49625855763541893,"num_words":47,"start":592.80005,"end":607.055},{"sentences":[{"text":"I like it.","start":607.055,"end":607.955,"sentiment":"positive","sentiment_score":0.601461927096049},{"text":"I also can see here with your insurances.","start":608.97504,"end":611.555,"sentiment":"neutral","sentiment_score":0.19776472821831703},{"text":"Now you've got your nearest life insurances with life, TBD, and income protection there with the sum insured of your life cover.","start":611.935,"end":620.31,"sentiment":"neutral","sentiment_score":0.03047662719406865},{"text":"So the way I like to phrase this is if you were to pass away today, your life insurance pays out $997,004.92, but then your super benefit is also paid out on top of that.","start":620.31,"end":632.775,"sentiment":"neutral","sentiment_score":0.040809955447912216},{"text":"Okay?","start":632.835,"end":633.315,"sentiment":"neutral","sentiment_score":0.05081982910633087}],"sentiment":"neutral","sentiment_score":0.08023416920416597,"num_words":69,"start":607.055,"end":633.315},{"sentences":[{"text":"So you've got $99,749.02 plus $95,830.69.","start":633.315,"end":639.79504,"sentiment":"neutral","sentiment_score":0.056236427277326584},{"text":"So it's about a 1,093,000 sitting there of benefit.","start":639.79504,"end":643.73505,"sentiment":"neutral","sentiment_score":0.06129719937841097},{"text":"Just in the event of passing, what is it your wishes?","start":645.25,"end":648.53,"sentiment":"neutral","sentiment_score":0.013599157333374023},{"text":"Who do you want that to be paid to?","start":648.53,"end":650.21,"sentiment":"neutral","sentiment_score":-0.006077749447690116},{"text":"What were you what's your goal around having that money paid out?","start":650.21,"end":653.01,"sentiment":"neutral","sentiment_score":0.015800320232907932}],"sentiment":"neutral","sentiment_score":0.024969961414945886,"num_words":47,"start":633.315,"end":653.01},{"sentences":[{"text":"What did you want it to cover?","start":653.01,"end":654.47003,"sentiment":"neutral","sentiment_score":-0.0015594647931201117},{"text":"I love that.","start":659.16504,"end":659.885,"sentiment":"positive","sentiment_score":0.6120767593383789},{"text":"Beautiful.","start":659.885,"end":660.385,"sentiment":"positive","sentiment_score":0.5984716415405273},{"text":"Yeah.","start":661.005,"end":661.405,"sentiment":"neutral","sentiment_score":0.10642525553703308},{"text":"How much do you have owing on the mortgage?","start":661.405,"end":663.265,"sentiment":"neutral","sentiment_score":0.010710742221110396}],"sentiment":"neutral","sentiment_score":0.12507655245385,"num_words":21,"start":653.01,"end":663.265},{"sentences":[{"text":"Sorry.","start":663.325,"end":663.825,"sentiment":"neutral","sentiment_score":-0.01635913923382759},{"text":"Yeah.","start":668.765,"end":669.265,"sentiment":"neutral","sentiment_score":0.004817415960133076},{"text":"Yeah.","start":669.405,"end":669.905,"sentiment":"neutral","sentiment_score":0.02335204929113388},{"text":"Okay.","start":671.72504,"end":672.22504,"sentiment":"neutral","sentiment_score":0.026583442464470863},{"text":"Yeah.","start":673.72504,"end":674.22504,"sentiment":"neutral","sentiment_score":0.018407562747597694}],"sentiment":"neutral","sentiment_score":0.011360266245901585,"num_words":5,"start":663.325,"end":674.22504},{"sentences":[{"text":"Mhmm.","start":678.26,"end":678.76,"sentiment":"neutral","sentiment_score":-0.00972427986562252},{"text":"Yeah.","start":689.135,"end":689.635,"sentiment":"neutral","sentiment_score":-0.020773112773895264},{"text":"Yeah.","start":702.975,"end":703.475,"sentiment":"neutral","sentiment_score":-0.0034004589542746544},{"text":"Oh, I'm so sorry.","start":703.535,"end":705.39,"sentiment":"neutral","sentiment_score":-0.021315509919077158},{"text":"Yeah.","start":706.41,"end":706.91,"sentiment":"neutral","sentiment_score":0.008188321255147457}],"sentiment":"neutral","sentiment_score":-0.013871446251869202,"num_words":8,"start":678.26,"end":706.91},{"sentences":[{"text":"Yep.","start":709.05,"end":709.55,"sentiment":"neutral","sentiment_score":0.02685166522860527},{"text":"Yeah.","start":715.29,"end":715.79,"sentiment":"neutral","sentiment_score":0.012282559648156166},{"text":"Absolutely.","start":717.745,"end":718.245,"sentiment":"neutral","sentiment_score":0.2641957998275757},{"text":"Most definitely.","start":718.545,"end":719.52496,"sentiment":"neutral","sentiment_score":0.3018667995929718},{"text":"And I can see your beneficiary nomination here on your super is completely nominated to her.","start":719.58496,"end":724.38495,"sentiment":"positive","sentiment_score":0.33460865542292595}],"sentiment":"neutral","sentiment_score":0.2981334338408141,"num_words":21,"start":709.05,"end":724.38495},{"sentences":[{"text":"So I've got down Amy Lowry to receive a 100% of the benefit.","start":724.38495,"end":728.40497,"sentiment":"neutral","sentiment_score":0.23608899804262015},{"text":"That's correct?","start":728.46497,"end":729.285,"sentiment":"neutral","sentiment_score":0.14115995168685913},{"text":"Yep.","start":729.89996,"end":730.39996,"sentiment":"neutral","sentiment_score":0.12529878318309784},{"text":"Beautiful.","start":730.69995,"end":731.19995,"sentiment":"positive","sentiment_score":0.5132197737693787},{"text":"Good to 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fine.","start":745.79504,"end":750.85504,"sentiment":"positive","sentiment_score":0.511542280515035}],"sentiment":"neutral","sentiment_score":0.12153386659073559,"num_words":22,"start":731.98,"end":750.85504},{"sentences":[{"text":"Beautiful.","start":758.35504,"end":758.85504,"sentiment":"positive","sentiment_score":0.4531317949295044},{"text":"Do you have anything sitting in the offset account offsetting some of that?","start":759.39996,"end":762.86,"sentiment":"neutral","sentiment_score":0.06372168029730137},{"text":"Nope.","start":764.2,"end":764.6,"sentiment":"neutral","sentiment_score":-0.09377457946538924},{"text":"That's 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that.","start":793.99,"end":795.61,"sentiment":"neutral","sentiment_score":-0.07357337449987729}],"sentiment":"neutral","sentiment_score":-0.07142758312014243,"num_words":15,"start":775.585,"end":795.61},{"sentences":[{"text":"Yeah.","start":799.43,"end":799.82996,"sentiment":"neutral","sentiment_score":0.03130687028169632},{"text":"I know.","start":799.82996,"end":800.38995,"sentiment":"neutral","sentiment_score":-0.005094126332551241},{"text":"Understandable.","start":800.38995,"end":800.88995,"sentiment":"neutral","sentiment_score":-0.006551557686179876},{"text":"I'm dreading the letter that comes through now to tell me how much my mortgage is gonna increase by.","start":801.19,"end":805.705,"sentiment":"neutral","sentiment_score":-0.1138630042734899},{"text":"Not fun at all.","start":805.705,"end":806.925,"sentiment":"neutral","sentiment_score":-0.06918102968484163}],"sentiment":"neutral","sentiment_score":-0.08983533851871336,"num_words":27,"start":799.43,"end":806.925},{"sentences":[{"text":"Yeah.","start":816.985,"end":817.485,"sentiment":"neutral","sentiment_score":-0.03517221659421921},{"text":"Yes.","start":829.1,"end":829.6,"sentiment":"neutral","sentiment_score":-0.013200544752180576},{"text":"Yes.","start":830.3,"end":830.8,"sentiment":"neutral","sentiment_score":-0.009115112945437431},{"text":"No.","start":831.105,"end":831.345,"sentiment":"neutral","sentiment_score":-0.06279250979423523},{"text":"Understandable.","start":831.345,"end":831.845,"sentiment":"neutral","sentiment_score":-0.04889574646949768}],"sentiment":"neutral","sentiment_score":-0.033835226111114024,"num_words":5,"start":816.985,"end":831.845},{"sentences":[{"text":"Absolutely.","start":832.705,"end":833.205,"sentiment":"neutral","sentiment_score":-0.00344662182033062},{"text":"I think most mortgages these days are very much higher than what you do have there, so a lot of people are gonna be feeling a lot more stress.","start":833.985,"end":840.785,"sentiment":"neutral","sentiment_score":-0.12063066789816165},{"text":"Absolutely.","start":840.785,"end":841.285,"sentiment":"neutral","sentiment_score":0.016482841223478317},{"text":"Yeah.","start":841.745,"end":842.245,"sentiment":"neutral","sentiment_score":0.04813860356807709},{"text":"Perfect.","start":842.705,"end":843.205,"sentiment":"neutral","sentiment_score":0.22586551308631897}],"sentiment":"neutral","sentiment_score":-0.0973105767572468,"num_words":33,"start":832.705,"end":843.205},{"sentences":[{"text":"Just with that life amount that you are covered for, are you fairly comfortable with that amount?","start":843.39996,"end":847.39996,"sentiment":"neutral","sentiment_score":0.1414447273401653},{"text":"It definitely pays out the mortgage and certainly leaves with pretty decent buffer there for your family.","start":847.39996,"end":851.82,"sentiment":"neutral","sentiment_score":0.2592927287606632},{"text":"Yep.","start":854.76,"end":855.16,"sentiment":"neutral","sentiment_score":0.11728954315185548},{"text":"Beautiful.","start":855.16,"end":855.66,"sentiment":"neutral","sentiment_score":0.24515199661254883},{"text":"Yeah.","start":856.77496,"end":857.01495,"sentiment":"neutral","sentiment_score":0.07436433434486389}],"sentiment":"neutral","sentiment_score":0.1959281791303609,"num_words":37,"start":843.39996,"end":857.01495},{"sentences":[{"text":"That's okay.","start":857.01495,"end":857.755,"sentiment":"neutral","sentiment_score":0.15861674398183823},{"text":"If you ever not, you wanted to reevaluate it, you let me know.","start":858.375,"end":861.175,"sentiment":"neutral","sentiment_score":0.05887544900178909},{"text":"That's what I'm here to help you with.","start":861.175,"end":862.935,"sentiment":"neutral","sentiment_score":0.17129040695726871},{"text":"Okay?","start":862.935,"end":863.435,"sentiment":"neutral","sentiment_score":0.07537634670734406},{"text":"Beautiful.","start":863.735,"end":864.235,"sentiment":"neutral","sentiment_score":0.1931386440992355}],"sentiment":"neutral","sentiment_score":0.10885810285806656,"num_words":25,"start":857.01495,"end":864.235},{"sentences":[{"text":"Yeah.","start":866.45496,"end":866.95496,"sentiment":"neutral","sentiment_score":0.02560507506132126},{"text":"Yep.","start":868.69495,"end":869.07,"sentiment":"neutral","sentiment_score":0.016058553010225296},{"text":"Yeah.","start":871.47003,"end":871.97003,"sentiment":"neutral","sentiment_score":0.19062459468841553},{"text":"Absolutely.","start":872.19,"end":872.69,"sentiment":"neutral","sentiment_score":0.33206063508987427},{"text":"I mean, if we sort of look at it that there and we go to 52,000, reducing the mortgage total, I don't have any other debts noted down here.","start":872.91003,"end":881.31,"sentiment":"neutral","sentiment_score":0.06000782575072913}],"sentiment":"neutral","sentiment_score":0.06983563044306004,"num_words":33,"start":866.45496,"end":881.31},{"sentences":[{"text":"Do you have any other debts that might need to be paid out?","start":881.31,"end":884.11505,"sentiment":"neutral","sentiment_score":-0.026071983174635813},{"text":"No.","start":884.775,"end":885.275,"sentiment":"neutral","sentiment_score":-0.10274279117584229},{"text":"That's yep.","start":885.935,"end":892.11505,"sentiment":"neutral","sentiment_score":-0.16264936327934265},{"text":"Yeah.","start":893.61505,"end":894.11505,"sentiment":"neutral","sentiment_score":-0.1365964114665985},{"text":"No.","start":896.36,"end":896.76,"sentiment":"neutral","sentiment_score":-0.14908406138420105}],"sentiment":"neutral","sentiment_score":-0.05848098732531071,"num_words":18,"start":881.31,"end":896.76},{"sentences":[{"text":"That's okay.","start":896.76,"end":897.56,"sentiment":"neutral","sentiment_score":-0.00955168530344963},{"text":"That's understandable.","start":897.56,"end":898.46,"sentiment":"neutral","sentiment_score":0.07191901840269566},{"text":"Hopefully, it all gets a bit better for you soon.","start":898.84,"end":901.34,"sentiment":"neutral","sentiment_score":0.21219262182712556},{"text":"In income wise, I had you on a base income of around about 100 and sorry.","start":902.28,"end":907.56,"sentiment":"neutral","sentiment_score":0.0014741012128069997},{"text":"$74,007.52, And I had a note here that you were expecting about a 105,000 this last year total.","start":907.56,"end":915.385,"sentiment":"neutral","sentiment_score":0.002643334860396054}],"sentiment":"neutral","sentiment_score":0.048288052736703925,"num_words":48,"start":896.76,"end":915.385},{"sentences":[{"text":"Does that sound correct for your income, or what do you want at the moment?","start":915.84503,"end":918.985,"sentiment":"neutral","sentiment_score":-0.01163903127113978},{"text":"Yep.","start":923.765,"end":924.15,"sentiment":"neutral","sentiment_score":-0.05394254252314568},{"text":"Mhmm.","start":929.11005,"end":929.61005,"sentiment":"neutral","sentiment_score":-0.05167846009135246},{"text":"Okay.","start":933.75,"end":934.25,"sentiment":"neutral","sentiment_score":-0.07324375957250595},{"text":"Yep.","start":938.71,"end":939.105,"sentiment":"neutral","sentiment_score":-0.03695591911673546}],"sentiment":"neutral","sentiment_score":-0.020547692124780855,"num_words":19,"start":915.84503,"end":939.105},{"sentences":[{"text":"Yep.","start":946.305,"end":946.805,"sentiment":"neutral","sentiment_score":-0.023641619831323624},{"text":"Okay.","start":963.75,"end":964.25,"sentiment":"neutral","sentiment_score":0.10069062560796738},{"text":"That's okay.","start":964.31,"end":965.11,"sentiment":"neutral","sentiment_score":0.24873684346675873},{"text":"I can absolutely work that out for you, and I'll just pop that into the calculator now.","start":965.11,"end":969.82495,"sentiment":"positive","sentiment_score":0.35275475330212536},{"text":"So we'll say per hour.","start":970.685,"end":972.625,"sentiment":"neutral","sentiment_score":0.11240149587392807}],"sentiment":"neutral","sentiment_score":0.2743600376236897,"num_words":26,"start":946.305,"end":972.625},{"sentences":[{"text":"And you just do thirty eight hours a week?","start":973.64496,"end":976.545,"sentiment":"neutral","sentiment_score":0.0421569190091557},{"text":"That's okay.","start":981.96497,"end":982.785,"sentiment":"neutral","sentiment_score":0.004512977320700884},{"text":"Mhmm.","start":986.11005,"end":986.61005,"sentiment":"neutral","sentiment_score":0.0017757739406079054},{"text":"Yep.","start":994.11005,"end":994.61005,"sentiment":"neutral","sentiment_score":0.019121915102005005},{"text":"Beautiful.","start":996.195,"end":996.675,"sentiment":"positive","sentiment_score":0.573713481426239}],"sentiment":"neutral","sentiment_score":0.07021781401376107,"num_words":14,"start":973.64496,"end":996.675},{"sentences":[{"text":"Not a problem at all.","start":996.675,"end":997.635,"sentiment":"positive","sentiment_score":0.3631686747074127},{"text":"So just looking at that one there, it gives you essentially a gross income of around about $79,830.40 there.","start":997.635,"end":1005.23505,"sentiment":"neutral","sentiment_score":0.08242843006002276},{"text":"That's obviously base, and then there could be additional, you know, overtime and loadings and things on top of that.","start":1005.23505,"end":1010.835,"sentiment":"neutral","sentiment_score":0.0773430161178112},{"text":"Does that sound right?","start":1010.835,"end":1011.78,"sentiment":"neutral","sentiment_score":0.09320984967052937},{"text":"Yep.","start":1013.78,"end":1014.28,"sentiment":"neutral","sentiment_score":0.1816641092300415}],"sentiment":"neutral","sentiment_score":0.11190504846828324,"num_words":49,"start":996.675,"end":1014.28},{"sentences":[{"text":"Yep.","start":1016.18005,"end":1016.68005,"sentiment":"neutral","sentiment_score":0.06959028542041779},{"text":"Mhmm.","start":1021.86005,"end":1022.36005,"sentiment":"neutral","sentiment_score":0.02441698312759399},{"text":"Yep.","start":1029.075,"end":1029.575,"sentiment":"neutral","sentiment_score":0.042905550450086594},{"text":"Yeah.","start":1034.835,"end":1035.155,"sentiment":"neutral","sentiment_score":0.03984986245632171},{"text":"Right.","start":1035.155,"end":1035.655,"sentiment":"neutral","sentiment_score":0.04011014848947525}],"sentiment":"neutral","sentiment_score":0.04337456598877907,"num_words":5,"start":1016.18005,"end":1035.655},{"sentences":[{"text":"Yeah.","start":1039.395,"end":1039.68,"sentiment":"neutral","sentiment_score":0.014241731725633144},{"text":"Yeah.","start":1054.3201,"end":1054.8201,"sentiment":"neutral","sentiment_score":0.016336526721715927},{"text":"Mhmm.","start":1058.905,"end":1059.405,"sentiment":"neutral","sentiment_score":0.01726602017879486},{"text":"Okay.","start":1067.865,"end":1068.365,"sentiment":"neutral","sentiment_score":0.1131921261548996},{"text":"Beautiful.","start":1068.425,"end":1068.925,"sentiment":"neutral","sentiment_score":0.29557639360427856}],"sentiment":"neutral","sentiment_score":0.09132255967706442,"num_words":5,"start":1039.395,"end":1068.925},{"sentences":[{"text":"Before tax.","start":1070.185,"end":1071.1901,"sentiment":"neutral","sentiment_score":0.14788220822811127},{"text":"Excellent.","start":1071.1901,"end":1071.67,"sentiment":"positive","sentiment_score":0.5033995509147644},{"text":"Thank you so much.","start":1071.67,"end":1072.4701,"sentiment":"positive","sentiment_score":0.5985466986894608},{"text":"And I'll update everything here.","start":1072.4701,"end":1073.75,"sentiment":"neutral","sentiment_score":0.2712943136692047},{"text":"Beautiful.","start":1073.75,"end":1074.23,"sentiment":"positive","sentiment_score":0.5244628190994263}],"sentiment":"positive","sentiment_score":0.39032962689032924,"num_words":13,"start":1070.185,"end":1074.23},{"sentences":[{"text":"Excellent.","start":1074.23,"end":1074.73,"sentiment":"positive","sentiment_score":0.4346070289611816},{"text":"So the main reason to sort of look at that is, obviously, looking at income protection.","start":1075.67,"end":1079.93,"sentiment":"neutral","sentiment_score":0.05872676463332027},{"text":"So you have a a monthly benefit that you're insured for growth of 5,599.","start":1079.99,"end":1085.4501,"sentiment":"neutral","sentiment_score":0.06697924115828105},{"text":"Based on your base income, it does show you're slightly over insured.","start":1086.0449,"end":1090.0449,"sentiment":"neutral","sentiment_score":0.0774520772198836},{"text":"But if you're working overtime and things like that, having that extra monthly benefit does mean you could claim just slightly a little bit more without having to increase it back later down the track.","start":1090.0449,"end":1100.46,"sentiment":"neutral","sentiment_score":0.10076197311282158}],"sentiment":"neutral","sentiment_score":0.08676972596022563,"num_words":78,"start":1074.23,"end":1100.46},{"sentences":[{"text":"Are you yeah.","start":1100.5399,"end":1102.24,"sentiment":"neutral","sentiment_score":0.008023038816948732},{"text":"You're fine.","start":1102.86,"end":1103.8999,"sentiment":"neutral","sentiment_score":0.08518937975168228},{"text":"You're fine.","start":1103.8999,"end":1104.64,"sentiment":"neutral","sentiment_score":0.11368599906563757},{"text":"Yes.","start":1128.095,"end":1128.36,"sentiment":"neutral","sentiment_score":0.0452582910656929},{"text":"Okay.","start":1132.28,"end":1132.78,"sentiment":"neutral","sentiment_score":0.03401980176568031}],"sentiment":"neutral","sentiment_score":0.05567755187965102,"num_words":9,"start":1100.5399,"end":1132.78},{"sentences":[{"text":"Yeah.","start":1134.76,"end":1135.16,"sentiment":"neutral","sentiment_score":0.0001093326136469841},{"text":"No.","start":1135.16,"end":1135.4,"sentiment":"neutral","sentiment_score":-0.011043007485568523},{"text":"That's absolutely fine.","start":1135.4,"end":1136.36,"sentiment":"positive","sentiment_score":0.7307964563369751},{"text":"So keeping your income protection at that level feels fairly appropriate for you.","start":1136.36,"end":1139.96,"sentiment":"positive","sentiment_score":0.5744703664229467},{"text":"Did you wanna look at yeah.","start":1139.96,"end":1141.16,"sentiment":"neutral","sentiment_score":0.22054611643155417}],"sentiment":"positive","sentiment_score":0.4572019648427765,"num_words":24,"start":1134.76,"end":1141.16},{"sentences":[{"text":"Beautiful.","start":1141.16,"end":1141.66,"sentiment":"positive","sentiment_score":0.6955353021621704},{"text":"You absolutely.","start":1142.655,"end":1144.435,"sentiment":"positive","sentiment_score":0.360935240983963},{"text":"Now you do have a ninety day waiting and a five year benefit period.","start":1144.7351,"end":1147.8551,"sentiment":"neutral","sentiment_score":0.14095764287880488},{"text":"Do you understand how income protection works, what the benefit periods and waiting periods essentially stand for?","start":1147.8551,"end":1153.0751,"sentiment":"neutral","sentiment_score":0.05125596593408024},{"text":"That is absolutely true as well.","start":1158.2201,"end":1160.4,"sentiment":"neutral","sentiment_score":0.12040911490718524}],"sentiment":"neutral","sentiment_score":0.124615472368896,"num_words":40,"start":1141.16,"end":1160.4},{"sentences":[{"text":"Your waiting period is how long you have to be off work prior to submitting your claim.","start":1160.7001,"end":1164.6201,"sentiment":"neutral","sentiment_score":-0.08559337214511983},{"text":"So if you are off work due to illness or injury, you've just gotta be off work for ninety days.","start":1164.6201,"end":1169.1201,"sentiment":"neutral","sentiment_score":-0.19476055167615414},{"text":"What I sort of suggest is if there's a point where you're off work due to illness or injury and you're pretty sure you're gonna make that waiting period, give us a call.","start":1169.18,"end":1176.2051,"sentiment":"neutral","sentiment_score":-0.03865647321623383},{"text":"Let us know straight away so we can let the insurer know that starts the waiting period.","start":1176.2051,"end":1180.845,"sentiment":"neutral","sentiment_score":0.1284391577629482},{"text":"And then at ninety days, we can finalize and submit the claim.","start":1180.845,"end":1183.965,"sentiment":"neutral","sentiment_score":0.14260770256320635}],"sentiment":"neutral","sentiment_score":-0.02758791781209334,"num_words":99,"start":1160.7001,"end":1183.965},{"sentences":[{"text":"But in the meantime, they're getting the claims forms ready to go for you because some of them have to be filled out by your doctors as well.","start":1183.965,"end":1189.8201,"sentiment":"neutral","sentiment_score":0.18240393857870782},{"text":"So that's just essentially what a waiting period means.","start":1189.8201,"end":1193.12,"sentiment":"neutral","sentiment_score":0.05344380852248934},{"text":"It does mean in that time frame, you do have to cover expenditure through your own means by way of savings or credit cards or extra work.","start":1193.66,"end":1202.4551,"sentiment":"neutral","sentiment_score":0.02592549376465656},{"text":"Sorry.","start":1202.515,"end":1202.995,"sentiment":"neutral","sentiment_score":-0.08164544403553009},{"text":"Yeah.","start":1202.995,"end":1203.495,"sentiment":"neutral","sentiment_score":-0.057037800550460815}],"sentiment":"neutral","sentiment_score":0.09317590369645393,"num_words":66,"start":1183.965,"end":1203.495},{"sentences":[{"text":"Yeah.","start":1207.395,"end":1207.555,"sentiment":"neutral","sentiment_score":-0.032802410423755646},{"text":"Mhmm.","start":1207.555,"end":1208.055,"sentiment":"neutral","sentiment_score":-0.028115589171648026},{"text":"Mhmm.","start":1217.87,"end":1218.37,"sentiment":"neutral","sentiment_score":-0.024139756336808205},{"text":"In premium?","start":1222.11,"end":1222.85,"sentiment":"neutral","sentiment_score":-0.02660226169973612},{"text":"No.","start":1223.39,"end":1223.71,"sentiment":"neutral","sentiment_score":-0.02699243649840355}],"sentiment":"neutral","sentiment_score":-0.027542452638347942,"num_words":6,"start":1207.395,"end":1223.71},{"sentences":[{"text":"I can find that out for you.","start":1223.71,"end":1225.1499,"sentiment":"neutral","sentiment_score":0.08721412931169782},{"text":"I'm just gonna log in to the portal now because I can live quote the difference to see what that would look like for you.","start":1225.1499,"end":1231.33,"sentiment":"neutral","sentiment_score":0.10907319590449333},{"text":"Yeah.","start":1240.1051,"end":1240.265,"sentiment":"neutral","sentiment_score":0.09068313241004944},{"text":"Yeah.","start":1240.265,"end":1240.745,"sentiment":"neutral","sentiment_score":0.1715548187494278},{"text":"Absolutely.","start":1240.745,"end":1241.245,"sentiment":"neutral","sentiment_score":0.31353747844696045}],"sentiment":"neutral","sentiment_score":0.11180297806859016,"num_words":35,"start":1223.71,"end":1241.245},{"sentences":[{"text":"That's not a problem at all.","start":1241.865,"end":1243.645,"sentiment":"positive","sentiment_score":0.3390679756800334},{"text":"But there we go.","start":1244.37,"end":1245.33,"sentiment":"neutral","sentiment_score":0.1800142638385296},{"text":"I'm just loading your profile now for you.","start":1245.33,"end":1248.23,"sentiment":"neutral","sentiment_score":0.22360681556165218},{"text":"Approaching.","start":1249.73,"end":1250.23,"sentiment":"neutral","sentiment_score":0.1303578019142151},{"text":"Okay.","start":1255.73,"end":1256.21,"sentiment":"neutral","sentiment_score":0.30497026443481445}],"sentiment":"neutral","sentiment_score":0.24893237501382828,"num_words":20,"start":1241.865,"end":1256.21},{"sentences":[{"text":"Beautiful.","start":1256.21,"end":1256.71,"sentiment":"positive","sentiment_score":0.5956767797470093},{"text":"So now you've got a five year benefit period as well.","start":1257.09,"end":1260.625,"sentiment":"neutral","sentiment_score":0.2758620083332062},{"text":"Are you happy with the five year benefit period?","start":1260.625,"end":1262.945,"sentiment":"neutral","sentiment_score":0.21955765949355233},{"text":"It does just mean that you can be on a claim for up to five years in the event of something happening.","start":1262.945,"end":1267.605,"sentiment":"neutral","sentiment_score":0.13978500799699264},{"text":"Yep.","start":1269.6649,"end":1270.1649,"sentiment":"positive","sentiment_score":0.4866826236248016}],"sentiment":"neutral","sentiment_score":0.208366604691202,"num_words":44,"start":1256.21,"end":1270.1649},{"sentences":[{"text":"Yeah.","start":1270.7849,"end":1271.1849,"sentiment":"positive","sentiment_score":0.3481607437133789},{"text":"Beautiful.","start":1271.1849,"end":1271.6849,"sentiment":"positive","sentiment_score":0.5303288698196411},{"text":"So yeah.","start":1272.62,"end":1282.56,"sentiment":"neutral","sentiment_score":0.12281567510217428},{"text":"Yeah.","start":1282.78,"end":1283.28,"sentiment":"neutral","sentiment_score":0.029122546315193176},{"text":"There's other things that can be claimed there.","start":1283.5,"end":1285.68,"sentiment":"neutral","sentiment_score":0.048053034115582705}],"sentiment":"neutral","sentiment_score":0.11828213715209411,"num_words":13,"start":1270.7849,"end":1285.68},{"sentences":[{"text":"There we go.","start":1301.2699,"end":1302.1699,"sentiment":"neutral","sentiment_score":0.08015395452578862},{"text":"Beautiful.","start":1302.23,"end":1302.73,"sentiment":"positive","sentiment_score":0.3881722092628479},{"text":"Sorry.","start":1302.87,"end":1303.11,"sentiment":"neutral","sentiment_score":0.2592265009880066},{"text":"It just loaded.","start":1303.11,"end":1303.75,"sentiment":"positive","sentiment_score":0.3429797291755676},{"text":"Excellent.","start":1303.75,"end":1304.23,"sentiment":"positive","sentiment_score":0.5013916492462158}],"sentiment":"neutral","sentiment_score":0.2686879345112377,"num_words":9,"start":1301.2699,"end":1304.23},{"sentences":[{"text":"Alright.","start":1304.23,"end":1304.71,"sentiment":"neutral","sentiment_score":0.25656241178512573},{"text":"So I'm just gonna change the waiting period from ninety days to thirty days, and it's showing me the total premium there for all the now your total premium you have on all your insurances at the moment paid out of super was $3,174.06.","start":1304.71,"end":1323.7051,"sentiment":"neutral","sentiment_score":0.07997312506830151},{"text":"So if I go three one seven four point seven six.","start":1323.925,"end":1326.645,"sentiment":"neutral","sentiment_score":0.050605752928690476},{"text":"And the new premium, if you had a thirty day waiting, does increase the policy cost to a total $4,707.44.","start":1326.645,"end":1337.04,"sentiment":"neutral","sentiment_score":0.03773456811904907},{"text":"So I'm just looking at the difference.","start":1337.04,"end":1338.98,"sentiment":"neutral","sentiment_score":0.0008536208687084065}],"sentiment":"neutral","sentiment_score":0.06135795066828828,"num_words":83,"start":1304.23,"end":1338.98},{"sentences":[{"text":"Wait.","start":1340.3201,"end":1340.775,"sentiment":"neutral","sentiment_score":-0.00406248215585947},{"text":"It's about $900 difference total between the gross cost of the premium.","start":1343.735,"end":1348.795,"sentiment":"neutral","sentiment_score":0.01501881389413029},{"text":"Yeah.","start":1349.255,"end":1349.755,"sentiment":"neutral","sentiment_score":0.09441439807415009},{"text":"Yeah.","start":1349.895,"end":1350.395,"sentiment":"neutral","sentiment_score":0.14077483117580414},{"text":"Just yeah.","start":1351.415,"end":1352.615,"sentiment":"neutral","sentiment_score":0.1782146915793419}],"sentiment":"neutral","sentiment_score":0.045163640998961294,"num_words":17,"start":1340.3201,"end":1352.615},{"sentences":[{"text":"Just increases it slightly there.","start":1352.615,"end":1354.135,"sentiment":"neutral","sentiment_score":0.08352400362491608},{"text":"But if you wanted to look at doing that, I'm absolutely fine to incorporate that for you.","start":1354.135,"end":1358.79,"sentiment":"neutral","sentiment_score":0.31175824473885927},{"text":"It does obviously increase the the cost of the policy.","start":1359.01,"end":1361.83,"sentiment":"neutral","sentiment_score":0.18552089259028434},{"text":"And these are steps policies as well.","start":1362.37,"end":1364.0499,"sentiment":"neutral","sentiment_score":0.14368620727743422},{"text":"So they do go through a renewal period every year, which means that they do increase along with CPI.","start":1364.0499,"end":1369.51,"sentiment":"neutral","sentiment_score":0.11894930026641018}],"sentiment":"neutral","sentiment_score":0.18687171138951492,"num_words":58,"start":1352.615,"end":1369.51},{"sentences":[{"text":"So the amount that you're covered for will increase a little bit each year, but it also means the cost of the premium is gonna also increase each year.","start":1369.57,"end":1376.715,"sentiment":"neutral","sentiment_score":0.013354091551797143},{"text":"So we wanna make sure we review them.","start":1376.715,"end":1378.635,"sentiment":"neutral","sentiment_score":0.035142666194587946},{"text":"And as you don't need such a high amount of insurances, we kinda reduce it back and alter it so that it's not eating away all your super, essentially.","start":1378.635,"end":1386.5175,"sentiment":"neutral","sentiment_score":-0.12531051759062142},{"text":"Yeah.","start":1386.5175,"end":1386.72,"sentiment":"neutral","sentiment_score":0.02885795198380947},{"text":"Yeah.","start":1387.9199,"end":1388.4199,"sentiment":"neutral","sentiment_score":0.0060561783611774445}],"sentiment":"neutral","sentiment_score":-0.04309824845917961,"num_words":68,"start":1369.57,"end":1388.4199},{"sentences":[{"text":"Yep.","start":1390.48,"end":1390.98,"sentiment":"neutral","sentiment_score":0.1096840724349022},{"text":"Beautiful.","start":1392.1599,"end":1392.6599,"sentiment":"positive","sentiment_score":0.5410066843032837},{"text":"Yep.","start":1396.0,"end":1396.48,"sentiment":"neutral","sentiment_score":0.01393539272248745},{"text":"Abs absolutely.","start":1396.48,"end":1398.4199,"sentiment":"neutral","sentiment_score":0.02436092495918274},{"text":"Not a problem at all.","start":1398.96,"end":1400.235,"sentiment":"neutral","sentiment_score":0.29890521466732023}],"sentiment":"neutral","sentiment_score":0.220787407271564,"num_words":10,"start":1390.48,"end":1400.235},{"sentences":[{"text":"Now we've also got your TBD cover there, so total permanent disability cover.","start":1400.395,"end":1404.5549,"sentiment":"neutral","sentiment_score":0.1772084774879309},{"text":"That essentially pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity or permanent disability.","start":1404.5549,"end":1412.975,"sentiment":"neutral","sentiment_score":0.0917950738221407},{"text":"You've got the same level of cover.","start":1414.64,"end":1416.42,"sentiment":"neutral","sentiment_score":0.04666189530066082},{"text":"That's it doesn't matter what it is.","start":1418.0,"end":1420.88,"sentiment":"neutral","sentiment_score":0.027371729058878764},{"text":"It could be inside work or outside work.","start":1420.88,"end":1422.96,"sentiment":"neutral","sentiment_score":0.028912489535287023}],"sentiment":"neutral","sentiment_score":0.08941325158881608,"num_words":67,"start":1400.395,"end":1422.96},{"sentences":[{"text":"The main thing that is with these policies is that you have an any occupation definition.","start":1422.96,"end":1428.26,"sentiment":"neutral","sentiment_score":0.16528101544827223},{"text":"So it essentially means that in order to claim on the policy, you never have to be you sorry.","start":1428.48,"end":1433.4751,"sentiment":"neutral","sentiment_score":0.14985601290276176},{"text":"Never can go back to work again for any occupation for which you're educated, trained, or have worked in the past.","start":1433.4751,"end":1439.235,"sentiment":"neutral","sentiment_score":0.03859690328439077},{"text":"And I'm just popping the policy in to double check that one.","start":1439.235,"end":1442.2151,"sentiment":"neutral","sentiment_score":0.029081661098947127},{"text":"Yeah.","start":1443.5901,"end":1443.91,"sentiment":"neutral","sentiment_score":0.05535032227635384}],"sentiment":"neutral","sentiment_score":0.09719747415595296,"num_words":69,"start":1422.96,"end":1443.91},{"sentences":[{"text":"You've got the super any definition there.","start":1443.91,"end":1446.15,"sentiment":"neutral","sentiment_score":0.07681990308420998},{"text":"Perfect.","start":1446.15,"end":1446.65,"sentiment":"positive","sentiment_score":0.3729051351547241},{"text":"So, yeah, essentially, it does it is a hard definition to claim on.","start":1447.1901,"end":1451.03,"sentiment":"neutral","sentiment_score":0.038763880443114504},{"text":"It doesn't mean that something has to happen at work.","start":1451.03,"end":1453.1901,"sentiment":"neutral","sentiment_score":-0.04730879999697209},{"text":"It can be outside of work.","start":1453.1901,"end":1454.39,"sentiment":"neutral","sentiment_score":-0.009859674299756685}],"sentiment":"neutral","sentiment_score":0.023846725857741124,"num_words":37,"start":1443.91,"end":1454.39},{"sentences":[{"text":"So as an example, if you have a a car accident or motorcycle accident, you break your back and you can never go back to being a laborer again, that will assess to see if there's any other occupation that you have been worked or trained in the past that you can that you can go back to.","start":1454.39,"end":1468.56,"sentiment":"neutral","sentiment_score":0.04216014096063787},{"text":"If your two doctors, one being a specialist, say that he's never going back to work, then that can be claimed on for you.","start":1468.88,"end":1474.9601,"sentiment":"neutral","sentiment_score":-0.06298987443248431},{"text":"So it is a difficult one, but it is important to sorta have some sort of TBD cover because you just never know what's gonna happen.","start":1474.9601,"end":1482.42,"sentiment":"neutral","sentiment_score":-0.056939771542182334},{"text":"Yeah.","start":1482.9601,"end":1483.4601,"sentiment":"neutral","sentiment_score":0.01762373000383377},{"text":"Yeah.","start":1486.395,"end":1486.895,"sentiment":"neutral","sentiment_score":0.001023260876536369}],"sentiment":"neutral","sentiment_score":-0.004802326180718162,"num_words":110,"start":1454.39,"end":1486.895},{"sentences":[{"text":"Yeah.","start":1488.475,"end":1488.975,"sentiment":"neutral","sentiment_score":0.033016055822372437},{"text":"Yeah.","start":1489.035,"end":1489.355,"sentiment":"neutral","sentiment_score":0.05115371197462082},{"text":"Absolutely.","start":1489.355,"end":1489.855,"sentiment":"neutral","sentiment_score":0.2640491724014282},{"text":"Now the other thing I do like to make sure everyone is aware of is that TBD is unfortunately a taxable payment.","start":1490.795,"end":1496.875,"sentiment":"neutral","sentiment_score":0.0029172587462446896},{"text":"So if in the event that you were to claim on that, we can also claim and release your super.","start":1496.875,"end":1501.8099,"sentiment":"neutral","sentiment_score":0.03878110311925411}],"sentiment":"neutral","sentiment_score":0.026400459888908597,"num_words":45,"start":1488.475,"end":1501.8099},{"sentences":[{"text":"So it does mean that your gross amount that you're covered for is the same as life, a bit over $11,093,000, which is a good amount.","start":1501.8099,"end":1510.39,"sentiment":"neutral","sentiment_score":0.08627444885384578},{"text":"If you were to claim on that and take the full lump sum upfront, the government, unfortunately, taxes that at up to 22% depending on the age and stage of the claim.","start":1510.85,"end":1520.885,"sentiment":"neutral","sentiment_score":-0.08452206262154505},{"text":"Kinda sucks.","start":1521.105,"end":1522.065,"sentiment":"negative","sentiment_score":-0.7294864058494568},{"text":"That means the amount that you are covered for, you're not likely to receive upfront.","start":1522.065,"end":1525.845,"sentiment":"negative","sentiment_score":-0.42327344218889873},{"text":"What I like to make sure you're aware of is that if you were to have a claim on TBD, we, as advisers, would provide advice on how to structure the payments, whether to take a lump sum, how much of that, how to minimize the tax.","start":1526.145,"end":1539.31,"sentiment":"neutral","sentiment_score":0.0796518642059032}],"sentiment":"neutral","sentiment_score":-0.03709841934872455,"num_words":122,"start":1501.8099,"end":1539.31},{"sentences":[{"text":"There are some fun little things we can do in the back end to help lower or minimize the tax consequences and or how to keep as much money invested long term and maybe draw out a smaller income stream as well.","start":1539.31,"end":1550.925,"sentiment":"neutral","sentiment_score":0.2674833857232616},{"text":"So I do just like to make sure yeah.","start":1550.925,"end":1554.145,"sentiment":"neutral","sentiment_score":0.14778510563903385},{"text":"Yeah.","start":1556.8451,"end":1557.3451,"sentiment":"neutral","sentiment_score":0.08009061217308044},{"text":"Absolutely.","start":1558.65,"end":1559.15,"sentiment":"neutral","sentiment_score":0.19147564470767975},{"text":"Yeah.","start":1559.61,"end":1560.11,"sentiment":"neutral","sentiment_score":0.2210828512907028}],"sentiment":"neutral","sentiment_score":0.24179661591295842,"num_words":54,"start":1539.31,"end":1560.11},{"sentences":[{"text":"Beautiful.","start":1560.25,"end":1560.75,"sentiment":"positive","sentiment_score":0.3928384780883789},{"text":"You're right.","start":1563.85,"end":1564.5901,"sentiment":"neutral","sentiment_score":0.07220219448208809},{"text":"No.","start":1699.995,"end":1700.235,"sentiment":"neutral","sentiment_score":-0.1058281436562538},{"text":"You're absolutely fine.","start":1700.235,"end":1701.515,"sentiment":"neutral","sentiment_score":0.10249320541818936},{"text":"You've got lots of things to do.","start":1701.515,"end":1703.035,"sentiment":"neutral","sentiment_score":0.08292301424912044}],"sentiment":"neutral","sentiment_score":0.09423967424247946,"num_words":14,"start":1560.25,"end":1703.035},{"sentences":[{"text":"I completely understand.","start":1703.035,"end":1704.335,"sentiment":"neutral","sentiment_score":0.016853891933957737},{"text":"I love that.","start":1712.62,"end":1713.84,"sentiment":"neutral","sentiment_score":0.32944266001383465},{"text":"Fantastic.","start":1715.42,"end":1715.92,"sentiment":"positive","sentiment_score":0.6204828023910522},{"text":"Well, that's basically I've got a really good idea.","start":1716.86,"end":1719.02,"sentiment":"positive","sentiment_score":0.5153545902834998},{"text":"We're happy with the life of TBD, the income protection, not wanting to make any alterations to those covers at this time.","start":1719.02,"end":1724.625,"sentiment":"neutral","sentiment_score":0.3260891065001488}],"sentiment":"positive","sentiment_score":0.35451379246813686,"num_words":38,"start":1703.035,"end":1724.625},{"sentences":[{"text":"Is that right?","start":1724.625,"end":1726.405,"sentiment":"neutral","sentiment_score":0.09166945765415828},{"text":"Yeah.","start":1727.025,"end":1727.345,"sentiment":"neutral","sentiment_score":0.09290100634098052},{"text":"Beautiful.","start":1727.345,"end":1727.845,"sentiment":"neutral","sentiment_score":0.21612106263637543},{"text":"Yeah.","start":1732.225,"end":1732.465,"sentiment":"neutral","sentiment_score":0.13030225038528442},{"text":"That's absolutely fine.","start":1732.465,"end":1733.925,"sentiment":"neutral","sentiment_score":0.2040564864873886}],"sentiment":"neutral","sentiment_score":0.14738912797636455,"num_words":9,"start":1724.625,"end":1733.925},{"sentences":[{"text":"Having a look at your circumstances here, I can see you've got one dependent, one child, was 15.","start":1734.145,"end":1738.865,"sentiment":"neutral","sentiment_score":0.0066302599669951535},{"text":"I'm assuming now 16 years of age.","start":1738.865,"end":1741.3,"sentiment":"neutral","sentiment_score":-0.0070749629688050064},{"text":"Oh, wow.","start":1743.4401,"end":1744.08,"sentiment":"neutral","sentiment_score":-0.002074715681374073},{"text":"They grow up so fast, don't they?","start":1744.08,"end":1745.84,"sentiment":"neutral","sentiment_score":-0.03137308705065932},{"text":"Oh, good.","start":1745.84,"end":1746.66,"sentiment":"neutral","sentiment_score":0.04314974183216691}],"sentiment":"neutral","sentiment_score":-0.0018789338452431064,"num_words":36,"start":1734.145,"end":1746.66},{"sentences":[{"text":"I know money is a bit tight with everything at the moment with everything you're going through.","start":1747.68,"end":1751.68,"sentiment":"neutral","sentiment_score":-0.1412053883952253},{"text":"So I'm assuming you're not sort of wanting to apply for any additional insurances that might be paid out of pocket, like trauma, child trauma, things like that.","start":1751.68,"end":1758.855,"sentiment":"neutral","sentiment_score":-0.07215590854840619},{"text":"You're happy do you have any questions about any of those types of covers?","start":1758.855,"end":1762.695,"sentiment":"neutral","sentiment_score":-0.026192315321947848},{"text":"Has anyone ever sort of, spoken to you about the different insurances that you can also hold in those areas?","start":1762.695,"end":1767.915,"sentiment":"neutral","sentiment_score":-0.025079687405377627},{"text":"Yep.","start":1771.6499,"end":1772.13,"sentiment":"neutral","sentiment_score":0.02096528932452202}],"sentiment":"neutral","sentiment_score":-0.0658522239420563,"num_words":80,"start":1747.68,"end":1772.13},{"sentences":[{"text":"That's absolutely fine.","start":1772.13,"end":1773.59,"sentiment":"neutral","sentiment_score":0.03974417348702749},{"text":"That's not a problem.","start":1773.6499,"end":1774.7899,"sentiment":"neutral","sentiment_score":-0.02689079404808581},{"text":"Yeah.","start":1776.2899,"end":1776.7899,"sentiment":"neutral","sentiment_score":0.04721560329198837},{"text":"Absolutely.","start":1776.9299,"end":1777.4299,"sentiment":"neutral","sentiment_score":0.07872466742992401},{"text":"Not a problem.","start":1777.8899,"end":1778.5299,"sentiment":"neutral","sentiment_score":0.06608248005310695}],"sentiment":"neutral","sentiment_score":0.02798808792916437,"num_words":12,"start":1772.13,"end":1778.5299},{"sentences":[{"text":"I do understand that.","start":1778.5299,"end":1779.6499,"sentiment":"neutral","sentiment_score":0.03228016244247556},{"text":"I'll just sort of make a note here that, you know, additional insurances, and I'm sort of looking at one of the things I wanted to sort of see was whether you were in a position to make additional contributions to sleep, but it looks like you're probably not as of yet.","start":1779.6499,"end":1791.135,"sentiment":"neutral","sentiment_score":-0.022565800309306584},{"text":"So I can hold, your additional contributions off and revisit that down the track.","start":1791.135,"end":1795.615,"sentiment":"neutral","sentiment_score":0.0707594132316964},{"text":"Would that be okay with you?","start":1795.615,"end":1797.155,"sentiment":"neutral","sentiment_score":0.1093184935549895},{"text":"Yep.","start":1798.77,"end":1799.27,"sentiment":"neutral","sentiment_score":0.1318729817867279}],"sentiment":"neutral","sentiment_score":0.009533957948654213,"num_words":77,"start":1778.5299,"end":1799.27},{"sentences":[{"text":"Beautiful.","start":1799.3301,"end":1799.8301,"sentiment":"positive","sentiment_score":0.7859883904457092},{"text":"Excellent.","start":1800.4501,"end":1800.9501,"sentiment":"positive","sentiment_score":0.7694824934005737},{"text":"The only other thing to sort of look at is within that email, what we've set you, we've also got our ongoing services agreement there for you, which does outline your ongoing services fee for our services.","start":1803.17,"end":1813.5901,"sentiment":"neutral","sentiment_score":0.05458080401090351},{"text":"Essentially, there has been one little change that we have made to the new agreement moving forward, and one of the things is that it's now gonna be a more of a tiered structure.","start":1814.715,"end":1822.795,"sentiment":"neutral","sentiment_score":0.02062006535775521},{"text":"So, essentially, once your super balance hits 200,000, the ongoing service fee after the balance of 200,000 is 1.65% as you have been paying down the over the last couple of years.","start":1822.795,"end":1835.1699,"sentiment":"neutral","sentiment_score":0.042566695949062705}],"sentiment":"neutral","sentiment_score":0.053696924997937115,"num_words":105,"start":1799.3301,"end":1835.1699},{"sentences":[{"text":"There's no major changes there.","start":1835.1699,"end":1836.7899,"sentiment":"neutral","sentiment_score":-0.0011809542775154114},{"text":"Once your super balance hits 200,000, then the next tier comes into play.","start":1836.85,"end":1842.035,"sentiment":"neutral","sentiment_score":0.052522950734083466},{"text":"And, essentially, any you'll you know, the amount over that will only be paying 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increase, our fee was gonna go up drastically with that.","start":1976.115,"end":1981.475,"sentiment":"neutral","sentiment_score":-0.032218712382018566},{"text":"Because we're now gonna oh, sorry.","start":1981.475,"end":1983.815,"sentiment":"neutral","sentiment_score":0.0952093234906594},{"text":"Work out your total fee as a dollar figure, it means that you know exactly how much you're gonna pay for our services for that year, and you won't pay anything more.","start":1984.035,"end":1992.11,"sentiment":"neutral","sentiment_score":0.11692361376481131},{"text":"So if you get a 20 or 30% increase in your super, it's not gonna continuously go up.","start":1992.11,"end":1997.47,"sentiment":"neutral","sentiment_score":0.058855124852723546},{"text":"It'll cap our services fee at what we have stipulated in the account.","start":1997.47,"end":2001.95,"sentiment":"neutral","sentiment_score":0.1549595783536251}],"sentiment":"neutral","sentiment_score":0.07338315027428198,"num_words":91,"start":1976.115,"end":2001.95},{"sentences":[{"text":"So it's actually gonna work out a lot better for you.","start":2001.95,"end":2004.4299,"sentiment":"positive","sentiment_score":0.4891292534091256},{"text":"It's a little bit more certainty around our ongoing services fee, and it means that the higher your super balance goes, you'll drop down into the lower tier.","start":2004.4299,"end":2012.4551,"sentiment":"neutral","sentiment_score":0.2632202809410436},{"text":"So that'll work out to your favor down the track as well.","start":2012.4551,"end":2015.495,"sentiment":"positive","sentiment_score":0.38350703070561093},{"text":"Okay?","start":2015.495,"end":2015.995,"sentiment":"neutral","sentiment_score":0.12752732634544373},{"text":"Do you have any questions about any of that?","start":2016.6951,"end":2018.91,"sentiment":"neutral","sentiment_score":0.054999331633249916}],"sentiment":"neutral","sentiment_score":0.29467533333379714,"num_words":61,"start":2001.95,"end":2018.91},{"sentences":[{"text":"Beautiful.","start":2022.11,"end":2022.61,"sentiment":"positive","sentiment_score":0.6132147312164307},{"text":"Excellent.","start":2022.67,"end":2023.17,"sentiment":"positive","sentiment_score":0.4995339512825012},{"text":"We've also got in there the the Vanguard file, which essentially outlines you alright?","start":2023.63,"end":2028.37,"sentiment":"neutral","sentiment_score":0.07932477677240968},{"text":"No.","start":2029.0701,"end":2029.31,"sentiment":"neutral","sentiment_score":-0.02273477613925934},{"text":"You're 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are your nearest to view.","start":2076.97,"end":2080.17,"sentiment":"neutral","sentiment_score":0.07154541860024134},{"text":"Currently, the Vanguard index chart, which essentially just shows you how markets react over time and why we invest the way we do.","start":2080.17,"end":2086.895,"sentiment":"neutral","sentiment_score":0.10030718356289942},{"text":"It shows you where the ups and downs have occurred over time, and that continuously investing long term does provide great benefits.","start":2086.895,"end":2093.7148,"sentiment":"positive","sentiment_score":0.3339413306252523},{"text":"So that's necessary to run your eyes over.","start":2093.775,"end":2096.11,"sentiment":"neutral","sentiment_score":0.14926601108163595},{"text":"We've also got in there our oh, sorry, Okey Financial Services guide, which outlines everything about who we are, what we do, how we do it, has all my licensing information there for you as a licensed adviser.","start":2096.11,"end":2107.09,"sentiment":"neutral","sentiment_score":0.09770372558973338}],"sentiment":"neutral","sentiment_score":0.14748891920536616,"num_words":106,"start":2076.97,"end":2107.09},{"sentences":[{"text":"It also outlines any additional services and how our ongoing service fee works.","start":2107.275,"end":2111.355,"sentiment":"neutral","sentiment_score":0.08118766317000756},{"text":"So you're welcome to run your eyes through any of those.","start":2111.355,"end":2113.615,"sentiment":"neutral","sentiment_score":0.1442260674454949},{"text":"If you do find you have any questions, you're welcome to let me know at any point in time.","start":2113.9148,"end":2118.2349,"sentiment":"neutral","sentiment_score":0.13122868773184324},{"text":"Okay?","start":2118.2349,"end":2118.7349,"sentiment":"neutral","sentiment_score":0.06723284721374512},{"text":"Once you have, yeah, once you have run your eyes over the documents, we'll get you to sign the ongoing services agreement, return it back just so we can continue looking after things for you and providing advice.","start":2120.2349,"end":2130.7102,"sentiment":"neutral","sentiment_score":0.0695159404146436}],"sentiment":"neutral","sentiment_score":0.09565987820714349,"num_words":82,"start":2107.275,"end":2130.7102},{"sentences":[{"text":"Ongoing service fee also includes that extra advice for super as well.","start":2130.9302,"end":2134.545,"sentiment":"neutral","sentiment_score":0.058228280705710254},{"text":"So yeah.","start":2134.545,"end":2135.525,"sentiment":"neutral","sentiment_score":0.030807148665189743},{"text":"It 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your property.","start":2144.785,"end":2147.025,"sentiment":"neutral","sentiment_score":0.06959811737760901}],"sentiment":"neutral","sentiment_score":0.20365098677575588,"num_words":26,"start":2139.1848,"end":2147.025},{"sentences":[{"text":"What sort of value would you put on your house at the moment, your main primary residence?","start":2147.025,"end":2150.8901,"sentiment":"neutral","sentiment_score":0.03117397613823414},{"text":"Yep.","start":2163.9902,"end":2164.455,"sentiment":"neutral","sentiment_score":0.01175278052687645},{"text":"Yep.","start":2171.655,"end":2172.155,"sentiment":"neutral","sentiment_score":-0.0040296027436852455},{"text":"Yep.","start":2178.2952,"end":2178.7952,"sentiment":"neutral","sentiment_score":0.021419420838356015},{"text":"Awesome.","start":2179.5752,"end":2180.0752,"sentiment":"neutral","sentiment_score":0.2277856320142746}],"sentiment":"neutral","sentiment_score":0.03747075357075248,"num_words":21,"start":2147.025,"end":2180.0752},{"sentences":[{"text":"Yeah.","start":2180.65,"end":2181.15,"sentiment":"neutral","sentiment_score":-0.0010155271738767624},{"text":"Right.","start":2187.05,"end":2187.55,"sentiment":"neutral","sentiment_score":-0.034468453377485275},{"text":"Yeah.","start":2197.385,"end":2197.885,"sentiment":"neutral","sentiment_score":0.016432281583547592},{"text":"Yeah.","start":2202.025,"end":2202.4248,"sentiment":"neutral","sentiment_score":0.12764285504817963},{"text":"Beautiful.","start":2202.4248,"end":2202.9248,"sentiment":"positive","sentiment_score":0.5741692781448364}],"sentiment":"neutral","sentiment_score":0.13655208684504033,"num_words":5,"start":2180.65,"end":2202.9248},{"sentences":[{"text":"Excellent.","start":2203.065,"end":2203.565,"sentiment":"neutral","sentiment_score":0.1952451467514038},{"text":"Not 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caravan?","start":2237.8198,"end":2239.1199,"sentiment":"neutral","sentiment_score":0.048923651998241745},{"text":"It doesn't say.","start":2242.38,"end":2243.18,"sentiment":"neutral","sentiment_score":0.005353310378268361}],"sentiment":"neutral","sentiment_score":0.16966051830677314,"num_words":20,"start":2234.325,"end":2243.18},{"sentences":[{"text":"It just says caravan.","start":2243.18,"end":2244.3198,"sentiment":"neutral","sentiment_score":0.014595536515116692},{"text":"17,500 value with no debt.","start":2246.8599,"end":2249.8398,"sentiment":"neutral","sentiment_score":0.035139862820506094},{"text":"Okay.","start":2251.955,"end":2252.435,"sentiment":"neutral","sentiment_score":0.03589865565299988},{"text":"Do you still do you have another 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enjoyable.","start":2389.27,"end":2392.25,"sentiment":"positive","sentiment_score":0.3934978081120385},{"text":"Excellent.","start":2395.085,"end":2395.585,"sentiment":"positive","sentiment_score":0.40668803453445435}],"sentiment":"positive","sentiment_score":0.33543296731435335,"num_words":13,"start":2385.6702,"end":2395.585},{"sentences":[{"text":"I've got your motorbike down here as well with a value of 4,000 500 on it.","start":2395.645,"end":2400.125,"sentiment":"neutral","sentiment_score":0.11096122686285526},{"text":"What sort of value would you put on that currently, do you think?","start":2400.125,"end":2402.865,"sentiment":"neutral","sentiment_score":0.012284499091597704},{"text":"Yep.","start":2405.82,"end":2406.32,"sentiment":"neutral","sentiment_score":0.06946513056755066},{"text":"Beautiful.","start":2406.54,"end":2407.04,"sentiment":"neutral","sentiment_score":0.1562839150428772},{"text":"Yeah.","start":2408.78,"end":2409.28,"sentiment":"neutral","sentiment_score":0.013800082728266716}],"sentiment":"neutral","sentiment_score":0.0679571014479734,"num_words":32,"start":2395.645,"end":2409.28},{"sentences":[{"text":"Abs absolutely.","start":2409.6602,"end":2410.8,"sentiment":"neutral","sentiment_score":-0.005019590258598328},{"text":"And then I've got contents down here with a valuation of a 100,000.","start":2410.86,"end":2414.2202,"sentiment":"neutral","sentiment_score":0.0050301412836863445},{"text":"Would you keep that the same or alter the contents value?","start":2414.2202,"end":2417.12,"sentiment":"neutral","sentiment_score":-0.021413923664526505},{"text":"Yep.","start":2423.7449,"end":2424.2449,"sentiment":"neutral","sentiment_score":0.1454574316740036},{"text":"Beautiful.","start":2424.3848,"end":2424.8848,"sentiment":"neutral","sentiment_score":0.28196287155151367}],"sentiment":"neutral","sentiment_score":0.008829278538801841,"num_words":28,"start":2409.6602,"end":2424.8848},{"sentences":[{"text":"And then looking at the other estate planning side of things here, I've got down here that you don't have a will or power of attorney in place.","start":2425.6648,"end":2432.88,"sentiment":"neutral","sentiment_score":0.023965460489437516},{"text":"Have you guys gone through the process or spoken to a solicitor about drawing up your own?","start":2432.88,"end":2437.38,"sentiment":"neutral","sentiment_score":0.002693662200780476},{"text":"No.","start":2437.5999,"end":2438.0999,"sentiment":"neutral","sentiment_score":-0.06620024144649506},{"text":"No.","start":2439.3599,"end":2439.52,"sentiment":"neutral","sentiment_score":-0.058570608496665955},{"text":"That's okay.","start":2439.52,"end":2440.24,"sentiment":"neutral","sentiment_score":0.013072441637632437}],"sentiment":"neutral","sentiment_score":0.012616309886726988,"num_words":49,"start":2425.6648,"end":2440.24},{"sentences":[{"text":"Definitely on the list of things to try and get sorted.","start":2440.24,"end":2442.5798,"sentiment":"neutral","sentiment_score":0.06554791737686504},{"text":"Absolutely.","start":2445.44,"end":2445.94,"sentiment":"positive","sentiment_score":0.4966439604759216},{"text":"Not a problem at all.","start":2446.4,"end":2447.715,"sentiment":"positive","sentiment_score":0.4057849943637848},{"text":"And then I think that's pretty much everything.","start":2448.5151,"end":2451.3352,"sentiment":"neutral","sentiment_score":0.31258657574653625},{"text":"I just sort of noted here, like, with your original goals for your super, I had down that you were hoping to access super around about the age of 60.","start":2451.5552,"end":2458.915,"sentiment":"neutral","sentiment_score":0.15228772312402725}],"sentiment":"neutral","sentiment_score":0.1875621876933358,"num_words":55,"start":2440.24,"end":2458.915},{"sentences":[{"text":"Does that still feel fairly appropriate for that goal?","start":2458.915,"end":2461.5752,"sentiment":"neutral","sentiment_score":0.12062748935487536},{"text":"Yep.","start":2466.68,"end":2467.18,"sentiment":"neutral","sentiment_score":0.15202930569648743},{"text":"Beautiful.","start":2467.24,"end":2467.74,"sentiment":"positive","sentiment_score":0.3939887285232544},{"text":"Yeah.","start":2469.8,"end":2470.3,"sentiment":"neutral","sentiment_score":0.08078135550022125},{"text":"Yeah.","start":2479.465,"end":2479.965,"sentiment":"neutral","sentiment_score":0.13857930898666382}],"sentiment":"neutral","sentiment_score":0.14238662330003884,"num_words":13,"start":2458.915,"end":2479.965},{"sentences":[{"text":"Yep.","start":2482.0251,"end":2482.5251,"sentiment":"neutral","sentiment_score":0.24127808213233948},{"text":"Absolutely.","start":2490.59,"end":2491.09,"sentiment":"positive","sentiment_score":0.6049501895904541},{"text":"That sounds fantastic.","start":2491.55,"end":2492.61,"sentiment":"positive","sentiment_score":0.7959214051564535},{"text":"We also had it noted that and, look, this could definitely change by the time you get there, but you were working on about a goal of earning $1,500 a week from so far.","start":2493.47,"end":2501.47,"sentiment":"neutral","sentiment_score":0.24422407062614665},{"text":"Is that still fairly appropriate for now knowing that could definitely change?","start":2501.47,"end":2505.005,"sentiment":"neutral","sentiment_score":0.2087389479080836}],"sentiment":"neutral","sentiment_score":0.2753427110466303,"num_words":51,"start":2482.0251,"end":2505.005},{"sentences":[{"text":"You're right.","start":2507.2249,"end":2507.885,"sentiment":"neutral","sentiment_score":0.11452791839838028},{"text":"Yeah.","start":2517.24,"end":2517.48,"sentiment":"neutral","sentiment_score":0.06333179026842117},{"text":"You're you're you're absolutely fine.","start":2517.48,"end":2520.4602,"sentiment":"neutral","sentiment_score":0.0766246423125267},{"text":"Yeah.","start":2521.24,"end":2521.6401,"sentiment":"neutral","sentiment_score":0.04946797341108322},{"text":"Of course.","start":2521.6401,"end":2522.3801,"sentiment":"neutral","sentiment_score":0.033894117921590805}],"sentiment":"neutral","sentiment_score":0.07206973162564365,"num_words":11,"start":2507.2249,"end":2522.3801},{"sentences":[{"text":"No.","start":2522.76,"end":2523.08,"sentiment":"neutral","sentiment_score":-0.0017856694757938385},{"text":"Not a problem.","start":2523.08,"end":2523.9001,"sentiment":"neutral","sentiment_score":0.03682280704379082},{"text":"Yeah.","start":2524.52,"end":2525.02,"sentiment":"neutral","sentiment_score":0.07061366736888885},{"text":"Yep.","start":2527.035,"end":2527.535,"sentiment":"neutral","sentiment_score":0.06746964901685715},{"text":"Yep.","start":2533.0425,"end":2533.5425,"sentiment":"neutral","sentiment_score":0.0765763372182846}],"sentiment":"neutral","sentiment_score":0.04619177217994418,"num_words":7,"start":2522.76,"end":2533.5425},{"sentences":[{"text":"Yep.","start":2543.1301,"end":2543.6301,"sentiment":"neutral","sentiment_score":0.10205958783626556},{"text":"Oh, absolutely.","start":2545.69,"end":2546.6702,"sentiment":"neutral","sentiment_score":0.1755675412714481},{"text":"Yeah.","start":2547.1301,"end":2547.61,"sentiment":"neutral","sentiment_score":0.22457629442214969},{"text":"Most definitely.","start":2547.61,"end":2548.43,"sentiment":"positive","sentiment_score":0.37205731868743896},{"text":"Perfect.","start":2548.73,"end":2549.23,"sentiment":"positive","sentiment_score":0.6643073558807373}],"sentiment":"neutral","sentiment_score":0.29802756543670383,"num_words":7,"start":2543.1301,"end":2549.23},{"sentences":[{"text":"Excellent.","start":2549.37,"end":2549.77,"sentiment":"positive","sentiment_score":0.6597338914871216},{"text":"Well, I'll definitely work on the back end for your goal there for you.","start":2549.77,"end":2552.715,"sentiment":"positive","sentiment_score":0.546943377171244},{"text":"Do you have any other goals that you're looking to achieve down the track?","start":2552.7952,"end":2557.2751,"sentiment":"neutral","sentiment_score":0.027739082196993486},{"text":"Or yep.","start":2557.2751,"end":2563.5352,"sentiment":"neutral","sentiment_score":0.008669109549373388},{"text":"Yes.","start":2565.05,"end":2565.45,"sentiment":"neutral","sentiment_score":-0.02628513053059578}],"sentiment":"neutral","sentiment_score":0.27176066910033114,"num_words":32,"start":2549.37,"end":2565.45},{"sentences":[{"text":"That's right.","start":2565.45,"end":2566.19,"sentiment":"neutral","sentiment_score":0.011871512047946453},{"text":"Yep.","start":2566.89,"end":2567.29,"sentiment":"neutral","sentiment_score":0.05598028749227524},{"text":"No.","start":2567.29,"end":2567.45,"sentiment":"neutral","sentiment_score":0.010654844343662262},{"text":"That's okay.","start":2567.45,"end":2568.09,"sentiment":"neutral","sentiment_score":0.0952431820333004},{"text":"Well, I mean, down the track and in the the financial services guide, it does outline other services there.","start":2568.09,"end":2573.45,"sentiment":"neutral","sentiment_score":0.09693409345651928}],"sentiment":"neutral","sentiment_score":0.0849044918268919,"num_words":25,"start":2565.45,"end":2573.45},{"sentences":[{"text":"So if you did need additional advice outside of the super insurance aspect, we can do so.","start":2573.45,"end":2578.725,"sentiment":"neutral","sentiment_score":0.08487027226125493},{"text":"We would just have more of a conversation.","start":2578.885,"end":2580.425,"sentiment":"neutral","sentiment_score":0.06347460485994816},{"text":"There are additional fees for advice that are outside of super, but we would look at what you need.","start":2580.5652,"end":2585.0452,"sentiment":"neutral","sentiment_score":0.0344610083848238},{"text":"If it's just general advice, I can do that free of charge for you.","start":2585.0452,"end":2588.245,"sentiment":"neutral","sentiment_score":0.19684685447386333},{"text":"But if there's anything else you need, you're welcome to let me know.","start":2588.245,"end":2590.885,"sentiment":"neutral","sentiment_score":0.28045539672558123}],"sentiment":"neutral","sentiment_score":0.12686094009435514,"num_words":71,"start":2573.45,"end":2590.885},{"sentences":[{"text":"I will talk you through it.","start":2590.885,"end":2591.925,"sentiment":"positive","sentiment_score":0.33932171761989594},{"text":"If I can do it free of charge, I absolutely will.","start":2591.925,"end":2594.66,"sentiment":"positive","sentiment_score":0.4321102364496751},{"text":"If it's just general information, general advice, absolutely.","start":2594.66,"end":2597.0,"sentiment":"neutral","sentiment_score":0.26549338176846504},{"text":"If it's something more personal you're looking to achieve, we'll work out what it is, work in your best interest, and help to provide the personal advice in relation to that for you.","start":2597.38,"end":2605.5398,"sentiment":"neutral","sentiment_score":0.2923532997568448},{"text":"So we are definitely here to help in all aspects of your life as much as we definitely can.","start":2605.5398,"end":2610.855,"sentiment":"positive","sentiment_score":0.5266082255463851}],"sentiment":"positive","sentiment_score":0.37099097582039897,"num_words":77,"start":2590.885,"end":2610.855},{"sentences":[{"text":"So but for this one, I'll work on getting your super working a bit harder.","start":2610.855,"end":2614.2148,"sentiment":"neutral","sentiment_score":0.056392352531353634},{"text":"We'll swap some things out and update your portfolio for you to see if we can get it working a bit harder for you and hopefully reduce some of those costs involved.","start":2614.2148,"end":2621.755,"sentiment":"neutral","sentiment_score":0.14126019040122628},{"text":"Okay?","start":2622.1199,"end":2622.6199,"sentiment":"neutral","sentiment_score":0.08486625552177429},{"text":"Excellent.","start":2624.44,"end":2624.94,"sentiment":"positive","sentiment_score":0.5430773496627808},{"text":"Beautiful.","start":2625.0798,"end":2625.5798,"sentiment":"positive","sentiment_score":0.5362095236778259}],"sentiment":"neutral","sentiment_score":0.13060729019343853,"num_words":50,"start":2610.855,"end":2625.5798},{"sentences":[{"text":"The last thing here is excellent.","start":2625.64,"end":2627.98,"sentiment":"neutral","sentiment_score":0.22853113462527594},{"text":"The last thing I just wanna check is your risk profile.","start":2628.0398,"end":2631.24,"sentiment":"neutral","sentiment_score":-0.042483044280247254},{"text":"So if you are in that growth environment, as I sort of mentioned, with your time horizon towards your goal age, you have about twenty one years before accessing super currently.","start":2631.24,"end":2639.915,"sentiment":"neutral","sentiment_score":-0.027460588803214413},{"text":"The growth portfolio does suit someone who has at least six years before accessing their super there.","start":2640.4548,"end":2645.755,"sentiment":"neutral","sentiment_score":-0.06229154404033633},{"text":"It technically, as I mentioned, does expect a negative return to the one in every five years.","start":2646.2148,"end":2651.19,"sentiment":"neutral","sentiment_score":-0.217923261663493}],"sentiment":"neutral","sentiment_score":-0.05745191011214402,"num_words":82,"start":2625.64,"end":2651.19},{"sentences":[{"text":"We want the best returns we possibly can out of our super.","start":2651.27,"end":2654.3298,"sentiment":"neutral","sentiment_score":-0.11979066208004951},{"text":"But when we think about compounding annual returns, we're expecting around about a seven to 9% average from this portfolio.","start":2654.63,"end":2661.29,"sentiment":"neutral","sentiment_score":-0.06561443917453288},{"text":"And then when we think about volatility, anything under 7% is obviously a lower rate of return underperformance, but they also could be because of external market activities there.","start":2661.99,"end":2672.325,"sentiment":"neutral","sentiment_score":-0.01770894695073366},{"text":"Are you still fairly comfortable being in that kind of environment?","start":2672.865,"end":2675.825,"sentiment":"neutral","sentiment_score":0.03698031130162152},{"text":"Did you wanna kinda go through a risk profile and review that at all, or are you still fairly happy there?","start":2675.825,"end":2683.8,"sentiment":"neutral","sentiment_score":0.015440610436988729}],"sentiment":"neutral","sentiment_score":-0.027229031683096,"num_words":93,"start":2651.27,"end":2683.8},{"sentences":[{"text":"Yep.","start":2683.8,"end":2684.3,"sentiment":"neutral","sentiment_score":-0.00628275191411376},{"text":"Yeah.","start":2693.565,"end":2694.065,"sentiment":"neutral","sentiment_score":-0.045975472778081894},{"text":"We wanna get you up there.","start":2696.125,"end":2697.645,"sentiment":"neutral","sentiment_score":0.04286546570559343},{"text":"Absolutely.","start":2697.645,"end":2698.145,"sentiment":"neutral","sentiment_score":0.1333911120891571},{"text":"Well, I'll see what I can do to help and update the advice and sorta get things working a bit harder for you.","start":2698.445,"end":2703.565,"sentiment":"neutral","sentiment_score":0.07263951003551483}],"sentiment":"neutral","sentiment_score":0.0627823253889801,"num_words":32,"start":2683.8,"end":2703.565},{"sentences":[{"text":"That's absolutely perfect.","start":2703.565,"end":2704.865,"sentiment":"positive","sentiment_score":0.6798264384269714},{"text":"What I would like to probably do now before I let you go is just to rebook you in to have your advice presented in the next couple of weeks there.","start":2705.92,"end":2712.98,"sentiment":"neutral","sentiment_score":0.08538976984639321},{"text":"It takes us a few weeks to kinda get everything completed and the research sorted for you.","start":2713.44,"end":2718.6602,"sentiment":"neutral","sentiment_score":0.06774348699871231},{"text":"Would you be available for a booking from, say, Monday, October 19 at all?","start":2718.975,"end":2725.395,"sentiment":"neutral","sentiment_score":0.03751877322793007},{"text":"Yep.","start":2727.695,"end":2728.0952,"sentiment":"neutral","sentiment_score":0.02549061179161072}],"sentiment":"neutral","sentiment_score":0.09680234691636129,"num_words":66,"start":2703.565,"end":2728.0952},{"sentences":[{"text":"And what sort of time generally fits you better to run through the updated advice?","start":2728.0952,"end":2732.5952,"sentiment":"neutral","sentiment_score":0.027984802052378653},{"text":"Morning, afternoon?","start":2732.8152,"end":2733.715,"sentiment":"neutral","sentiment_score":0.013676319271326065},{"text":"Yep.","start":2744.28,"end":2744.78,"sentiment":"neutral","sentiment_score":0.008835095912218094},{"text":"Yep.","start":2745.0,"end":2745.5,"sentiment":"neutral","sentiment_score":0.01161011215299368},{"text":"Yes.","start":2746.28,"end":2746.78,"sentiment":"neutral","sentiment_score":0.03381115198135376}],"sentiment":"neutral","sentiment_score":0.025069051468744875,"num_words":20,"start":2728.0952,"end":2746.78},{"sentences":[{"text":"So 02:30 South Australia time suits you the best.","start":2747.0,"end":2750.175,"sentiment":"neutral","sentiment_score":0.06695547555055884},{"text":"Yep.","start":2750.655,"end":2751.155,"sentiment":"neutral","sentiment_score":0.0921960398554802},{"text":"Absolutely.","start":2752.0151,"end":2752.5151,"sentiment":"neutral","sentiment_score":0.1812919974327087},{"text":"Not a problem at all.","start":2752.815,"end":2754.095,"sentiment":"neutral","sentiment_score":0.22154566645622253},{"text":"Well, I do have availability for you essentially.","start":2754.095,"end":2757.395,"sentiment":"neutral","sentiment_score":0.12209310103207827}],"sentiment":"neutral","sentiment_score":0.12335668574087322,"num_words":24,"start":2747.0,"end":2757.395},{"sentences":[{"text":"If I just go back.","start":2758.0151,"end":2758.975,"sentiment":"neutral","sentiment_score":0.03727116547524929},{"text":"Sorry.","start":2758.975,"end":2759.215,"sentiment":"neutral","sentiment_score":-0.07518966495990753},{"text":"I've lost my date.","start":2759.215,"end":2760.195,"sentiment":"neutral","sentiment_score":-0.08297233935445547},{"text":"The Tuesday is available.","start":2760.575,"end":2762.355,"sentiment":"neutral","sentiment_score":0.023286852054297924},{"text":"Is that okay if I book it in then?","start":2762.655,"end":2764.62,"sentiment":"neutral","sentiment_score":0.0406206568910016}],"sentiment":"neutral","sentiment_score":0.010348266314553179,"num_words":23,"start":2758.0151,"end":2764.62},{"sentences":[{"text":"Yeah.","start":2766.3801,"end":2766.62,"sentiment":"neutral","sentiment_score":0.024563947692513462},{"text":"The Tuesday, the twentieth.","start":2766.62,"end":2767.84,"sentiment":"neutral","sentiment_score":0.020871712593361735},{"text":"Sorry.","start":2767.9001,"end":2768.4001,"sentiment":"neutral","sentiment_score":-0.0053952280431985855},{"text":"Yeah.","start":2769.9802,"end":2770.3801,"sentiment":"neutral","sentiment_score":0.08438679575920105},{"text":"Yeah.","start":2770.3801,"end":2770.8801,"sentiment":"neutral","sentiment_score":0.2771751880645752}],"sentiment":"neutral","sentiment_score":0.05802719423081726,"num_words":8,"start":2766.3801,"end":2770.8801},{"sentences":[{"text":"Beautiful.","start":2771.1,"end":2771.6,"sentiment":"positive","sentiment_score":0.5119527578353882},{"text":"I'll book it in there.","start":2771.7402,"end":2772.4602,"sentiment":"positive","sentiment_score":0.34661694765090945},{"text":"So it'll be 02:30 South Australia time there for you on Tuesday, the twentieth.","start":2772.4602,"end":2776.6401,"sentiment":"neutral","sentiment_score":0.07306741710220065},{"text":"I'll add a text message reminder so it sends you a message two hours prior.","start":2776.965,"end":2780.725,"sentiment":"neutral","sentiment_score":0.062230313941836354},{"text":"And then if anything comes up, you can let us know, but we'll look to have that ready to go for you then.","start":2780.725,"end":2785.7852,"sentiment":"neutral","sentiment_score":0.28623800174049707}],"sentiment":"neutral","sentiment_score":0.18594672559792624,"num_words":58,"start":2771.1,"end":2785.7852},{"sentences":[{"text":"Okay?","start":2785.925,"end":2786.425,"sentiment":"neutral","sentiment_score":0.13511262834072113},{"text":"Easy.","start":2787.7651,"end":2788.2651,"sentiment":"positive","sentiment_score":0.7084119915962219},{"text":"My pleasure.","start":2788.965,"end":2789.605,"sentiment":"positive","sentiment_score":0.7662902176380157},{"text":"Thank you so much for your time.","start":2789.605,"end":2791.0652,"sentiment":"positive","sentiment_score":0.771722137928009},{"text":"When you do go through those documents, if you do find you have any questions, please let let me know.","start":2791.445,"end":2796.8,"sentiment":"neutral","sentiment_score":0.2921400420367718}],"sentiment":"positive","sentiment_score":0.4393858342401443,"num_words":31,"start":2785.925,"end":2796.8},{"sentences":[{"text":"But, otherwise, I'll just get you to sign and return them back.","start":2796.8599,"end":2798.8599,"sentiment":"neutral","sentiment_score":0.18861308631797633},{"text":"But thank you for your time today, Scott.","start":2798.8599,"end":2800.46,"sentiment":"positive","sentiment_score":0.7076734229922295},{"text":"I really appreciate that.","start":2800.46,"end":2801.8398,"sentiment":"positive","sentiment_score":0.8157323747873306},{"text":"Thank you.","start":2803.6829,"end":2804.4028,"sentiment":"positive","sentiment_score":0.6539134383201599},{"text":"I'll talk to you soon.","start":2804.4028,"end":2805.6028,"sentiment":"positive","sentiment_score":0.5436417043209076}],"sentiment":"positive","sentiment_score":0.4907648166821849,"num_words":31,"start":2796.8599,"end":2805.6028},{"sentences":[{"text":"Have a great afternoon.","start":2805.6028,"end":2806.823,"sentiment":"positive","sentiment_score":0.7349593937397003},{"text":"Thanks.","start":2808.483,"end":2808.803,"sentiment":"positive","sentiment_score":0.485257089138031},{"text":"See you later.","start":2808.803,"end":2809.4429,"sentiment":"neutral","sentiment_score":0.18919308483600616},{"text":"Bye.","start":2809.4429,"end":2809.9429,"sentiment":"neutral","sentiment_score":-0.11430120468139648}],"sentiment":"positive","sentiment_score":0.4309303015470505,"num_words":9,"start":2805.6028,"end":2809.9429}]}}]},{"alternatives":[{"transcript":"Hello? I'm great. And yourself? You know what? I was just on the phone with my dad, and I'm like, Brisbane. Brisbane. And I looked up on my board, and I'm like, super yearly. That's why I better answer this one. Yes. Yes. I may get called away, but I'll I'll be able to still, yeah, do it. So that's okay. Yep. Yep. Yep. Yep. Yeah. I know I know this is my last couple days have been been getting a bit of hits, but yeah. Yeah. Yeah. No. Of course. Yeah. Yeah. It's got Andrew Burke. The 04/09/2026 997. 5 Elm Avenue, Murray Bridge, South Australia 5253. Yeah. I might be able to pull it up on my laptop. But that's okay. We can start anyway. Yes. I thought mine got changed. Changed. Yeah. I thought it got changed to sixty forty. Yeah. Yeah. Because they rang me and told me that it was, you know, with the inflations and all that, we recommend I think it was, like, COVID ish, and I hadn't discussed, like, it going back up yet. Mhmm. Yep. Oh, okay. Yeah. That's cool. Yep. Yep. Yeah. Yeah. Yep. Oh, wow. Yes. Mhmm. Yeah. Definitely. Yeah. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. 100 percent answer that. Yeah. Yeah. That sounds good. Yeah. Well, like, I know I know this is gonna sound silly. Like, it's it's it's my money. I get that. But I can't access it until I'm 60. So I'm happy to do whatever you would recommend to get me the most money by the time I'm 60. Yep. Yep. Yeah. 100%. Right. You know, you're doing all the back work for me. And you want me to keep your business and keep you know, so yeah. So you're gonna do the best you can. So that's alright. Yes. Yep. Yep. Yes. Yep. Yep. Yep. Well, pretty much to my wife so then she could pay the house out, basically. Yep. Yep. And then So, like, so outside of that, my wife has a passport for me, god forbid, it would go to my kids. Yep. But right now, yeah, just just for the wife. Because I've seen it so many times that, like, my family and relatives of, like, my sister or and her partner. Her partner's mom hadn't renewed their what's his name? The the the the will and all that sort of stuff. So her her dad actually had to give her son half of his house money. You know, that sort of stuff. Yeah. So, like, just keep it to the wire. And if sometime I need to renew it or change it, we can do it on that yearly basis. You know? Yeah. Yep. How much? Sorry. Give me 2 Alright. So I'll pull it up. Accounts. 2542252. No. No. That's so I I paid I was paying a $160 more. And then, obviously, with inflation over the last four years, now I caught up to what I was paying. So now I've I've gotta find money from elsewhere to, you know and and the wife's no longer working either because of medical. So yeah. Yay. Yeah. Good old government, mate. Yeah. Well, so I'm I'm just lucky that mine's, you know, 250,000, not like, my brother-in-law and sister, I think their house is worth, like, 900,000. So in the big scary thing, I'm thankful that mine's only you know, I'm not paying thousand $1,500 weekly bills. Mine's only 7 50. So A 4 9. Yeah. Yeah. You're there. Hang on. Yeah. Yeah. I'm happy with that. Or yeah. Yeah. No. Happy. Yeah. No. I would pay absolutely everything off for them, and they'd be they'd have money left over and, you know, that's that's what I'd want. So yeah. No. No. We're so when we last refinanced, we paid absolutely everything out. So that's why I'm I'm set up, but I'm just yeah. We can't afford much else. Yeah. Yeah. Yeah. Yeah. Yep. So last year, I earned about a 105 because of overtime and swapping contracts. So my old employer lost the contract for the job that I'm in, and we got we got paid out as all of our entitlements and everything. So my long service leave, annual leave, all RDOs, all that sort of stuff that I had banked there. So that's why that was up a bit higher. We've got a bit of back pay as well because they with our EBA. So I knew it was gonna be higher. But so I'm only on now 44 $40.40 an hour. So yeah. So I don't know how much that works out to me. So I do hang on. Sorry. Text message. I do forty hours a week, but two hours of that gets taken off or one two hours of that gets taken off for audio. So, yes, thirty thirty eight. Yeah. That that's exactly right. Yeah. So that that is absolute base. Like, I reckon hang on. I'll give you I'll pull up my Workday app, and I'll so I've only been with this company since February. And I I work nearly every other weekend. So Yep. Yeah. When it opens up, pay. So so my last payslip for the period of the thirteenth to the ninth, thirty first to the eighth to the thirteenth to the ninth, it Year to date from financial year was twenty twenty seven and a half before tax. Yep. Yep. Yep. Yeah. With sorry? Go. Go for it. Yeah. So with with my base wage, we get like a a land management allowance. We get a an operator's allowance on top of that. Then we get a what was the other one? We get, like, about three three different allowances on top of our normal wage. So I roughly earn about 27 a fortnight before overtime and stuff. Yeah. Yeah. Yeah. Just leaving it like that. I just thought it was the longer I wait, the less I gotta pay. Yeah. Yeah. Yeah. Yeah. What would be the what so, like, for instance, if I if I feel sick tomorrow, right, what what would the difference be between me like, if I feel sick tomorrow and then I put that down to a month instead of having a ninety days, only thirty days. What would the difference be in that? Do you know? Would I have to rent yeah. Yep. It's just that, you know, I don't think I'll worry about it now, but it's something to look at maybe when I get a little bit older, if you know what I mean. Okay. Mhmm. Yeah. I am I'm happy with yeah. Because if, you know, let's say I have a car accident and it's not my fault, well, I'm gonna get paid out for that anyway, aren't I? Yeah. Yeah. Yep. Yep. So To the house. Sixteen. Yeah. It's not too bad. Yeah. Not too bad. For peace of mind. Yeah. Yeah. Yeah. No. I have happy to leave it at not not the ninety days from now. But, yeah, if for any reason, I can change it later on if I feel that I need to. Yeah. Is that in work or at of work? Or is that anything? Yeah. Yeah. Mhmm. Yep. Yes. Mhmm. Yes. Oh, a 100 percent. Yeah. And, like, right point, like, I ride a motorbike going from work, so you just never know. So yep. Yep. Yes. Yeah. Yeah. Yes. Yes. So that's the way I yeah. I'd probably take a little lump sum to pay the house off and then take an income stream. What? You know? Just give me two secs. Just gotta do a radio check. Yeah. MTR bravo range control radio check over. MTR bravo range MTR bravo range control. Let me turn it up to you. XCON range control radio checkover. It's gone. Range control. Radio check over. Sorry about that. Oh, yeah. And I yeah. So they weren't listening to me, so I just had to send another guy off to go and tell him to pull their head out there, I guess. Yeah. That's right. Yeah. There's a lot more than saying. There's no real point change in something that's not being an issue. Oh, go on, I think. Yes. Oh, yeah. No. Sort of. But I haven't really worried about it yet. Not really. Yeah. Yeah. And just don't have the money to do it anyway. Yeah. Yeah. Yep. Yep. Yes. Yep. Yep. Yeah. Excon. This is range control over. Exton Range Control over. Range control is it? Range control is it? Exton Range Control. Can you amend these means at all times while a lot of firing is is occurring, please? Yep. Yep. Yep. No. Sounds all pretty pretty good to me. Three seconds. Hang on. Sorry. Margaret Ryan. It's Charles speaking. Hi, buddy. Yep. Sorry about that. No. No. It's okay. He he was trying to ring my phone that I was on, and I'm like, dude, I'm on the phone to sleep, but ring the ring the office. And he's like, okay. But yeah. Yep. Yep. Okay. Yep. Do I need to sign anything from that? Or yeah. Yep. Yep. Yep. Yep. That's just a DocuSign, isn't it? Yep. Yep. I'd put $2,000,000. So I I would put it somewhere between 500 and 600,000 just because that's what the people next door to us. So one sold for $4.50 about three, four years ago, but that's a really small house. And then on the other side of us, just sold for $5.70 something. But the only difference is that that house hasn't been touched since nineteen eighty something. And the our house has been, like, smaller than theirs, but being renovated. I've put a massive shed out of that, you know, all the good stuff. But, yeah, I I would put it between $5.50 and 600. So That's I'll I'll I'll never get rid of it. Sorry. It's actually just sitting in the shed. I'm driving my son's car at the moment because it's just too expensive to do that. So yeah. But yeah. While it's not getting kilometers put on it, probably because it's still only got a 160,000. So yeah. What sort of caravan is it? Okay. How much? No. We sold that one. So yes. I have another yeah. I've got a Jayco Discovery. 25. No. No. But we've got we've got a trip planned up January. We always go away January. So with with family members, so but, yeah, planning on going up up the sea line. Yeah. So down Victor Harbor Way. So, yeah, it should be good. Yeah. But last year, we went oh, sorry. Yeah. Yeah. Last year, we went up to Lake Bonney, which is, like, four hours away. And so we got caught in the forty forty three, 44 degree heat for three days. Yeah. And then, so we ended up coming home as as of day two. Because the park the caravan park kept dropping out power, and our caravan that old caravan we have was a pop top canvas, everything. So it wasn't keeping the coolness in it of the air conditioner. And at the time, we had a French bulldog, and she was overheating. And yeah. So we just packed up and and left. It was just hot packing up, you know, about an hour and a half time to pack up instead of, yeah, three days like I'd normally do when I'm at home. So yeah. Yeah. So yeah. We get away once a year. We'd like to do it more, but we just yeah. Just finances. You know? So no. No. I can't work. If I haven't had many days off since January because we got, like, new new employers, so all of our leave and everything left. So I'm gonna work over Christmas this year to be able to go in January this year. So but that's okay. It's what it is. Definitely. Yes. Most definitely. Yeah. Probably $4 now. Yeah. It's it's getting older. So yeah. I think it went up, actually, but through the insurance, but I'll just keep it the same there. No. Not yet. No. Yeah. Definitely. A 100%. Yeah. I don't wanna work now. But, you know, it's like every other Aussie but or any person in general. But, yeah, that that's definitely the goal because my wife, she's four years older than me. So, you know, when I hit 60, she'll be 64. So, yeah, would like to, you know, go for holidays or whatever and not have to worry about working. Yeah. Yeah. Yeah. Hang on. Just a sec. Yeah, mate. My grandma is Alyssa, clearly. Well, we just got, like, 700 people that come and go at work. So there's a lot here. It's and it's holiday. So yeah. But, yeah, 100 percent. That's exactly where I wanna be roughly. Because, like, for right now like and when I hit 60, the house will be paid off. So that's so that's well, I might be 61. But, you know, when I hit 50, there's only, like, 20,000 left. You could I'll pull a bit from the server and pay it out. So you know? I'd I'd I'd love to be self sufficient now. Yeah. But no. Not nothing really. Yeah. Yep. No dramas. Yeah. That's what I'm saying. Yeah. No. I'm still fairly happy. Like, it's you know, like you were saying, it's not really that like, you know, if I had have had $2.03, maybe even $500,000 sitting there, it might be a different story. But I haven't even got a 100, so let's do it. Yeah. Yeah. Yep. Yep. Yep. Yep. Yes. About the same time as today, Like, say 02:00. No. It won't be 02:00 your time. It will be 01:30 your time, but 02:30 my time. Yep. Yep. The Tuesday, nineteenth. Yep. Oh, twentieth. Sorry. Yeah. Yeah. Yep. No. That's fine. Yep. Yeah. Awesome. Yep. No dramas. Awesome. Thank you very much. Yep. Yes. And yours too. Awesome. You too. See you now. 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I'm great. And yourself? You know what? I was just on the phone with my dad, and I'm like, Brisbane.\n\nBrisbane. And I looked up on my board, and I'm like, super yearly. That's why I better answer this one. Yes. Yes.\n\nI may get called away, but I'll I'll be able to still, yeah, do it. So that's okay. Yep. Yep. Yep.\n\nYep. Yeah. I know I know this is my last couple days have been been getting a bit of hits, but yeah. Yeah. Yeah.\n\nNo. Of course. Yeah. Yeah. It's got Andrew Burke.\n\nThe 04/09/2026 997. 5 Elm Avenue, Murray Bridge, South Australia 5253. Yeah. I might be able to pull it up on my laptop. But that's okay.\n\nWe can start anyway. Yes. I thought mine got changed. Changed. Yeah.\n\nI thought it got changed to sixty forty. Yeah. Yeah. Because they rang me and told me that it was, you know, with the inflations and all that, we recommend I think it was, like, COVID ish, and I hadn't discussed, like, it going back up yet. Mhmm.\n\nYep. Oh, okay. Yeah. That's cool. Yep.\n\nYep. Yeah. Yeah. Yep. Oh, wow.\n\nYes. Mhmm. Yeah. Definitely. Yeah.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. 100 percent answer that. Yeah. Yeah.\n\nThat sounds good. Yeah. Well, like, I know I know this is gonna sound silly. Like, it's it's it's my money. I get that.\n\nBut I can't access it until I'm 60. So I'm happy to do whatever you would recommend to get me the most money by the time I'm 60. Yep. Yep. Yeah.\n\n100%. Right. You know, you're doing all the back work for me. And you want me to keep your business and keep you know, so yeah. So you're gonna do the best you can.\n\nSo that's alright. Yes. Yep. Yep. Yes.\n\nYep. Yep. Yep. Well, pretty much to my wife so then she could pay the house out, basically. Yep.\n\nYep. And then So, like, so outside of that, my wife has a passport for me, god forbid, it would go to my kids. Yep. But right now, yeah, just just for the wife. Because I've seen it so many times that, like, my family and relatives of, like, my sister or and her partner.\n\nHer partner's mom hadn't renewed their what's his name? The the the the will and all that sort of stuff. So her her dad actually had to give her son half of his house money. You know, that sort of stuff. Yeah.\n\nSo, like, just keep it to the wire. And if sometime I need to renew it or change it, we can do it on that yearly basis. You know? Yeah. Yep.\n\nHow much? Sorry. Give me 2 Alright. So I'll pull it up. Accounts.\n\n2542252. No. No. That's so I I paid I was paying a $160 more. And then, obviously, with inflation over the last four years, now I caught up to what I was paying.\n\nSo now I've I've gotta find money from elsewhere to, you know and and the wife's no longer working either because of medical. So yeah. Yay. Yeah. Good old government, mate.\n\nYeah. Well, so I'm I'm just lucky that mine's, you know, 250,000, not like, my brother-in-law and sister, I think their house is worth, like, 900,000. So in the big scary thing, I'm thankful that mine's only you know, I'm not paying thousand $1,500 weekly bills. Mine's only 7 50. So A 4 9.\n\nYeah. Yeah. You're there. Hang on. Yeah.\n\nYeah. I'm happy with that. Or yeah. Yeah. No.\n\nHappy. Yeah. No. I would pay absolutely everything off for them, and they'd be they'd have money left over and, you know, that's that's what I'd want. So yeah.\n\nNo. No. We're so when we last refinanced, we paid absolutely everything out. So that's why I'm I'm set up, but I'm just yeah. We can't afford much else.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nSo last year, I earned about a 105 because of overtime and swapping contracts. So my old employer lost the contract for the job that I'm in, and we got we got paid out as all of our entitlements and everything. So my long service leave, annual leave, all RDOs, all that sort of stuff that I had banked there. So that's why that was up a bit higher. We've got a bit of back pay as well because they with our EBA.\n\nSo I knew it was gonna be higher. But so I'm only on now 44 $40.40 an hour. So yeah. So I don't know how much that works out to me. So I do hang on.\n\nSorry. Text message. I do forty hours a week, but two hours of that gets taken off or one two hours of that gets taken off for audio. So, yes, thirty thirty eight. Yeah.\n\nThat that's exactly right. Yeah. So that that is absolute base. Like, I reckon hang on. I'll give you I'll pull up my Workday app, and I'll so I've only been with this company since February.\n\nAnd I I work nearly every other weekend. So Yep. Yeah. When it opens up, pay. So so my last payslip for the period of the thirteenth to the ninth, thirty first to the eighth to the thirteenth to the ninth, it Year to date from financial year was twenty twenty seven and a half before tax.\n\nYep. Yep. Yep. Yeah. With sorry?\n\nGo. Go for it. Yeah. So with with my base wage, we get like a a land management allowance. We get a an operator's allowance on top of that.\n\nThen we get a what was the other one? We get, like, about three three different allowances on top of our normal wage. So I roughly earn about 27 a fortnight before overtime and stuff. Yeah. Yeah.\n\nYeah. Just leaving it like that. I just thought it was the longer I wait, the less I gotta pay. Yeah. Yeah.\n\nYeah. Yeah. What would be the what so, like, for instance, if I if I feel sick tomorrow, right, what what would the difference be between me like, if I feel sick tomorrow and then I put that down to a month instead of having a ninety days, only thirty days. What would the difference be in that? Do you know?\n\nWould I have to rent yeah. Yep. It's just that, you know, I don't think I'll worry about it now, but it's something to look at maybe when I get a little bit older, if you know what I mean. Okay. Mhmm.\n\nYeah. I am I'm happy with yeah. Because if, you know, let's say I have a car accident and it's not my fault, well, I'm gonna get paid out for that anyway, aren't I? Yeah. Yeah.\n\nYep. Yep. So To the house. Sixteen. Yeah.\n\nIt's not too bad. Yeah. Not too bad. For peace of mind. Yeah.\n\nYeah. Yeah. No. I have happy to leave it at not not the ninety days from now. But, yeah, if for any reason, I can change it later on if I feel that I need to.\n\nYeah. Is that in work or at of work? Or is that anything? Yeah. Yeah.\n\nMhmm. Yep. Yes. Mhmm. Yes.\n\nOh, a 100 percent. Yeah. And, like, right point, like, I ride a motorbike going from work, so you just never know. So yep. Yep.\n\nYes. Yeah. Yeah. Yes. Yes.\n\nSo that's the way I yeah. I'd probably take a little lump sum to pay the house off and then take an income stream. What? You know? Just give me two secs.\n\nJust gotta do a radio check. Yeah. MTR bravo range control radio check over. MTR bravo range MTR bravo range control. Let me turn it up to you.\n\nXCON range control radio checkover. It's gone. Range control. Radio check over. Sorry about that.\n\nOh, yeah. And I yeah. So they weren't listening to me, so I just had to send another guy off to go and tell him to pull their head out there, I guess. Yeah. That's right.\n\nYeah. There's a lot more than saying. There's no real point change in something that's not being an issue. Oh, go on, I think. Yes.\n\nOh, yeah. No. Sort of. But I haven't really worried about it yet. Not really.\n\nYeah. Yeah. And just don't have the money to do it anyway. Yeah. Yeah.\n\nYep. Yep. Yes. Yep. Yep.\n\nYeah. Excon. This is range control over. Exton Range Control over. Range control is it?\n\nRange control is it? Exton Range Control. Can you amend these means at all times while a lot of firing is is occurring, please? Yep. Yep.\n\nYep. No. Sounds all pretty pretty good to me. Three seconds. Hang on.\n\nSorry. Margaret Ryan. It's Charles speaking. Hi, buddy. Yep.\n\nSorry about that. No. No. It's okay. He he was trying to ring my phone that I was on, and I'm like, dude, I'm on the phone to sleep, but ring the ring the office.\n\nAnd he's like, okay. But yeah. Yep. Yep. Okay.\n\nYep. Do I need to sign anything from that? Or yeah. Yep. Yep.\n\nYep. Yep. That's just a DocuSign, isn't it? Yep. Yep.\n\nI'd put $2,000,000. So I I would put it somewhere between 500 and 600,000 just because that's what the people next door to us. So one sold for $4.50 about three, four years ago, but that's a really small house. And then on the other side of us, just sold for $5.70 something. But the only difference is that that house hasn't been touched since nineteen eighty something.\n\nAnd the our house has been, like, smaller than theirs, but being renovated. I've put a massive shed out of that, you know, all the good stuff. But, yeah, I I would put it between $5.50 and 600. So That's I'll I'll I'll never get rid of it. Sorry.\n\nIt's actually just sitting in the shed. I'm driving my son's car at the moment because it's just too expensive to do that. So yeah. But yeah. While it's not getting kilometers put on it, probably because it's still only got a 160,000.\n\nSo yeah. What sort of caravan is it? Okay. How much? No.\n\nWe sold that one. So yes. I have another yeah. I've got a Jayco Discovery. 25.\n\nNo. No. But we've got we've got a trip planned up January. We always go away January. So with with family members, so but, yeah, planning on going up up the sea line.\n\nYeah. So down Victor Harbor Way. So, yeah, it should be good. Yeah. But last year, we went oh, sorry.\n\nYeah. Yeah. Last year, we went up to Lake Bonney, which is, like, four hours away. And so we got caught in the forty forty three, 44 degree heat for three days. Yeah.\n\nAnd then, so we ended up coming home as as of day two. Because the park the caravan park kept dropping out power, and our caravan that old caravan we have was a pop top canvas, everything. So it wasn't keeping the coolness in it of the air conditioner. And at the time, we had a French bulldog, and she was overheating. And yeah.\n\nSo we just packed up and and left. It was just hot packing up, you know, about an hour and a half time to pack up instead of, yeah, three days like I'd normally do when I'm at home. So yeah. Yeah. So yeah.\n\nWe get away once a year. We'd like to do it more, but we just yeah. Just finances. You know? So no.\n\nNo. I can't work. If I haven't had many days off since January because we got, like, new new employers, so all of our leave and everything left. So I'm gonna work over Christmas this year to be able to go in January this year. So but that's okay.\n\nIt's what it is. Definitely. Yes. Most definitely. Yeah.\n\nProbably $4 now. Yeah. It's it's getting older. So yeah. I think it went up, actually, but through the insurance, but I'll just keep it the same there.\n\nNo. Not yet. No. Yeah. Definitely.\n\nA 100%. Yeah. I don't wanna work now. But, you know, it's like every other Aussie but or any person in general. But, yeah, that that's definitely the goal because my wife, she's four years older than me.\n\nSo, you know, when I hit 60, she'll be 64. So, yeah, would like to, you know, go for holidays or whatever and not have to worry about working. Yeah. Yeah. Yeah.\n\nHang on. Just a sec. Yeah, mate. My grandma is Alyssa, clearly. Well, we just got, like, 700 people that come and go at work.\n\nSo there's a lot here. It's and it's holiday. So yeah. But, yeah, 100 percent. That's exactly where I wanna be roughly.\n\nBecause, like, for right now like and when I hit 60, the house will be paid off. So that's so that's well, I might be 61. But, you know, when I hit 50, there's only, like, 20,000 left. You could I'll pull a bit from the server and pay it out. So you know?\n\nI'd I'd I'd love to be self sufficient now. Yeah. But no. Not nothing really. Yeah.\n\nYep. No dramas. Yeah. That's what I'm saying. Yeah.\n\nNo. I'm still fairly happy. Like, it's you know, like you were saying, it's not really that like, you know, if I had have had $2.03, maybe even $500,000 sitting there, it might be a different story. But I haven't even got a 100, so let's do it. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYes. About the same time as today, Like, say 02:00. No. It won't be 02:00 your time. It will be 01:30 your time, but 02:30 my time.\n\nYep. Yep. The Tuesday, nineteenth. Yep. Oh, twentieth.\n\nSorry. Yeah. Yeah. Yep. No.\n\nThat's fine. Yep. Yeah. Awesome. Yep.\n\nNo dramas. Awesome. Thank you very much. Yep. Yes.\n\nAnd yours too. Awesome. You too. See you now. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.038324985653162},{"text":"I'm great.","start":5.04,"end":5.7599998,"sentiment":"positive","sentiment_score":0.681853860616684},{"text":"And yourself?","start":5.7599998,"end":6.24,"sentiment":"positive","sentiment_score":0.38587838411331177},{"text":"You know what?","start":6.24,"end":6.72,"sentiment":"neutral","sentiment_score":0.1371691475311915},{"text":"I was just on the phone with my dad, and I'm like, Brisbane.","start":6.72,"end":9.94,"sentiment":"neutral","sentiment_score":0.053083852506600894}],"sentiment":"neutral","sentiment_score":0.15597080953773998,"num_words":21,"start":0.48,"end":9.94},{"sentences":[{"text":"Brisbane.","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":0.05500929802656174},{"text":"And I looked up on my board, and I'm like, super yearly.","start":11.28,"end":14.025,"sentiment":"neutral","sentiment_score":0.07674725043276946},{"text":"That's why I better answer this one.","start":14.025,"end":16.045,"sentiment":"neutral","sentiment_score":0.05241002621395247},{"text":"Yes.","start":19.545,"end":20.045,"sentiment":"neutral","sentiment_score":0.1484840214252472},{"text":"Yes.","start":21.385,"end":21.885,"sentiment":"neutral","sentiment_score":0.04224146157503128}],"sentiment":"neutral","sentiment_score":0.06970781680535186,"num_words":22,"start":10.16,"end":21.885},{"sentences":[{"text":"I may get called away, but I'll I'll be able to still, yeah, do it.","start":22.025002,"end":26.265,"sentiment":"neutral","sentiment_score":0.02103563342243433},{"text":"So that's okay.","start":26.265,"end":32.28,"sentiment":"neutral","sentiment_score":0.12352905919154485},{"text":"Yep.","start":37.86,"end":38.18,"sentiment":"neutral","sentiment_score":0.09933477640151978},{"text":"Yep.","start":38.18,"end":38.68,"sentiment":"neutral","sentiment_score":0.08828811347484589},{"text":"Yep.","start":48.515,"end":49.015,"sentiment":"neutral","sentiment_score":0.039486438035964966}],"sentiment":"neutral","sentiment_score":0.043487190801118104,"num_words":21,"start":22.025002,"end":49.015},{"sentences":[{"text":"Yep.","start":53.550003,"end":54.050003,"sentiment":"neutral","sentiment_score":0.03333307057619095},{"text":"Yeah.","start":54.350002,"end":54.59,"sentiment":"neutral","sentiment_score":0.08863948285579681},{"text":"I know I know this is my last couple days have been been getting a bit of hits, but yeah.","start":54.59,"end":60.21,"sentiment":"neutral","sentiment_score":-0.007706102821975947},{"text":"Yeah.","start":65.630005,"end":66.130005,"sentiment":"neutral","sentiment_score":0.04616593569517136},{"text":"Yeah.","start":66.19,"end":66.435,"sentiment":"neutral","sentiment_score":0.05883829668164253}],"sentiment":"neutral","sentiment_score":0.0030356137237201133,"num_words":24,"start":53.550003,"end":66.435},{"sentences":[{"text":"No.","start":73.314995,"end":73.814995,"sentiment":"neutral","sentiment_score":-0.014130035415291786},{"text":"Of course.","start":73.954994,"end":74.695,"sentiment":"neutral","sentiment_score":0.05167672410607338},{"text":"Yeah.","start":76.115,"end":76.615,"sentiment":"neutral","sentiment_score":0.27399227023124695},{"text":"Yeah.","start":84.46,"end":84.78,"sentiment":"neutral","sentiment_score":0.07461325824260712},{"text":"It's got Andrew Burke.","start":84.78,"end":85.82,"sentiment":"neutral","sentiment_score":0.04560094512999058}],"sentiment":"neutral","sentiment_score":0.06891474686563015,"num_words":9,"start":73.314995,"end":85.82},{"sentences":[{"text":"The 04/09/2026 997.","start":85.82,"end":87.84,"sentiment":"neutral","sentiment_score":0.0252828902254502},{"text":"5 Elm Avenue, Murray Bridge, South Australia 5253.","start":88.22,"end":91.52,"sentiment":"neutral","sentiment_score":0.01500255474820733},{"text":"Yeah.","start":110.01,"end":110.49,"sentiment":"neutral","sentiment_score":0.0581890270113945},{"text":"I might be able to pull it up on my laptop.","start":110.49,"end":112.67,"sentiment":"neutral","sentiment_score":0.0448175540024584},{"text":"But that's okay.","start":113.37,"end":114.09,"sentiment":"neutral","sentiment_score":0.06782569984594981}],"sentiment":"neutral","sentiment_score":0.0365587818937806,"num_words":26,"start":85.82,"end":114.09},{"sentences":[{"text":"We can start anyway.","start":114.09,"end":115.15,"sentiment":"neutral","sentiment_score":0.11240848526358604},{"text":"Yes.","start":124.995,"end":125.495,"sentiment":"neutral","sentiment_score":0.1417158842086792},{"text":"I thought mine got changed.","start":162.235,"end":163.41,"sentiment":"neutral","sentiment_score":-0.08310282602906227},{"text":"Changed.","start":165.41,"end":165.73001,"sentiment":"neutral","sentiment_score":-0.024898424744606015},{"text":"Yeah.","start":165.73001,"end":166.13,"sentiment":"neutral","sentiment_score":0.010989412665367126}],"sentiment":"neutral","sentiment_score":0.013493890253206095,"num_words":12,"start":114.09,"end":166.13},{"sentences":[{"text":"I thought it got changed to sixty forty.","start":166.13,"end":168.15001,"sentiment":"neutral","sentiment_score":-0.05124692339450121},{"text":"Yeah.","start":177.01001,"end":177.51001,"sentiment":"neutral","sentiment_score":0.046010203659534454},{"text":"Yeah.","start":177.73001,"end":178.05,"sentiment":"neutral","sentiment_score":-0.06123600155115128},{"text":"Because they rang me and told me that it was, you know, with the inflations and all that, we recommend I think it was, like, COVID ish, and I hadn't discussed, like, it going back up yet.","start":178.05,"end":191.97,"sentiment":"neutral","sentiment_score":-0.08761726400336704},{"text":"Mhmm.","start":191.97,"end":192.47,"sentiment":"neutral","sentiment_score":-0.0038653858937323098}],"sentiment":"neutral","sentiment_score":-0.07647719456387374,"num_words":48,"start":166.13,"end":192.47},{"sentences":[{"text":"Yep.","start":198.05,"end":198.55,"sentiment":"neutral","sentiment_score":0.031104695051908493},{"text":"Oh, okay.","start":204.21,"end":204.69,"sentiment":"neutral","sentiment_score":0.08381988480687141},{"text":"Yeah.","start":204.69,"end":204.93001,"sentiment":"neutral","sentiment_score":0.07655392587184906},{"text":"That's cool.","start":204.93001,"end":205.83,"sentiment":"neutral","sentiment_score":0.30547234416007996},{"text":"Yep.","start":209.075,"end":209.55501,"sentiment":"neutral","sentiment_score":0.08591096103191376}],"sentiment":"neutral","sentiment_score":0.13887914855565345,"num_words":7,"start":198.05,"end":209.55501},{"sentences":[{"text":"Yep.","start":209.55501,"end":210.05501,"sentiment":"neutral","sentiment_score":0.009097927249968052},{"text":"Yeah.","start":231.12,"end":231.52,"sentiment":"neutral","sentiment_score":-0.0037935320287942886},{"text":"Yeah.","start":231.52,"end":232.02,"sentiment":"neutral","sentiment_score":0.02518138289451599},{"text":"Yep.","start":246.435,"end":246.87,"sentiment":"neutral","sentiment_score":0.13074913620948792},{"text":"Oh, wow.","start":252.95,"end":253.69,"sentiment":"neutral","sentiment_score":0.3290690779685974}],"sentiment":"neutral","sentiment_score":0.13656217837706208,"num_words":6,"start":209.55501,"end":253.69},{"sentences":[{"text":"Yes.","start":262.335,"end":262.835,"sentiment":"neutral","sentiment_score":0.11463592201471327},{"text":"Mhmm.","start":272.01498,"end":272.255,"sentiment":"neutral","sentiment_score":-0.08666138350963593},{"text":"Yeah.","start":272.255,"end":272.57498,"sentiment":"neutral","sentiment_score":-0.06175849959254265},{"text":"Definitely.","start":272.57498,"end":273.07498,"sentiment":"neutral","sentiment_score":-0.055100779980421066},{"text":"Yeah.","start":282.93,"end":283.43,"sentiment":"neutral","sentiment_score":-0.08592492341995239}],"sentiment":"neutral","sentiment_score":-0.03496193289756775,"num_words":5,"start":262.335,"end":283.43},{"sentences":[{"text":"Yep.","start":300.705,"end":301.205,"sentiment":"neutral","sentiment_score":0.04080195352435112},{"text":"Yeah.","start":318.65,"end":318.885,"sentiment":"neutral","sentiment_score":0.001960430294275284},{"text":"Yep.","start":361.9,"end":362.4,"sentiment":"neutral","sentiment_score":-0.1099039912223816},{"text":"Yeah.","start":371.9,"end":372.4,"sentiment":"neutral","sentiment_score":0.021522538736462593},{"text":"Yeah.","start":385.955,"end":386.19498,"sentiment":"neutral","sentiment_score":0.027191683650016785}],"sentiment":"neutral","sentiment_score":-0.003685477003455165,"num_words":5,"start":300.705,"end":386.19498},{"sentences":[{"text":"Yeah.","start":386.19498,"end":386.69498,"sentiment":"neutral","sentiment_score":0.004757554270327091},{"text":"Yeah.","start":387.315,"end":387.715,"sentiment":"neutral","sentiment_score":0.032928235828876495},{"text":"100 percent answer that.","start":387.715,"end":388.995,"sentiment":"neutral","sentiment_score":0.08197327237576246},{"text":"Yeah.","start":388.995,"end":389.495,"sentiment":"neutral","sentiment_score":0.134275883436203},{"text":"Yeah.","start":401.34,"end":401.82,"sentiment":"positive","sentiment_score":0.37859445810317993}],"sentiment":"neutral","sentiment_score":0.10980615264270455,"num_words":8,"start":386.19498,"end":401.82},{"sentences":[{"text":"That sounds good.","start":401.82,"end":402.54,"sentiment":"positive","sentiment_score":0.62346484263738},{"text":"Yeah.","start":402.54,"end":403.04,"sentiment":"neutral","sentiment_score":0.32364779710769653},{"text":"Well, like, I know I know this is gonna sound silly.","start":450.45,"end":453.83002,"sentiment":"neutral","sentiment_score":-0.07691567780619318},{"text":"Like, it's it's it's my money.","start":454.05002,"end":455.73,"sentiment":"neutral","sentiment_score":-0.08833328758676846},{"text":"I get that.","start":455.73,"end":456.63,"sentiment":"neutral","sentiment_score":-0.04132480422655741}],"sentiment":"neutral","sentiment_score":0.02891648878964285,"num_words":24,"start":401.82,"end":456.63},{"sentences":[{"text":"But I can't access it until I'm 60.","start":456.77002,"end":459.17,"sentiment":"neutral","sentiment_score":0.013627349864691496},{"text":"So I'm happy to do whatever you would recommend to get me the most money by the time I'm 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yeah.","start":530.685,"end":534.685,"sentiment":"neutral","sentiment_score":0.15034513281924383},{"text":"So you're gonna do the best you can.","start":534.685,"end":536.285,"sentiment":"positive","sentiment_score":0.41999509558081627}],"sentiment":"neutral","sentiment_score":0.2091836780309677,"num_words":34,"start":526.525,"end":536.285},{"sentences":[{"text":"So that's alright.","start":536.285,"end":537.745,"sentiment":"neutral","sentiment_score":0.2574322869380315},{"text":"Yes.","start":562.23505,"end":562.73505,"sentiment":"neutral","sentiment_score":0.11974965035915376},{"text":"Yep.","start":593.135,"end":593.635,"sentiment":"neutral","sentiment_score":0.12260770052671432},{"text":"Yep.","start":593.775,"end":594.275,"sentiment":"neutral","sentiment_score":0.21039295196533203},{"text":"Yes.","start":617.52496,"end":618.02496,"sentiment":"neutral","sentiment_score":0.036249808967113495}],"sentiment":"neutral","sentiment_score":0.18018528180462973,"num_words":7,"start":536.285,"end":618.02496},{"sentences":[{"text":"Yep.","start":629.29,"end":629.79,"sentiment":"neutral","sentiment_score":0.0579378567636013},{"text":"Yep.","start":633.52997,"end":634.02997,"sentiment":"neutral","sentiment_score":0.06461269408464432},{"text":"Yep.","start":644.755,"end":645.255,"sentiment":"neutral","sentiment_score":0.05226462334394455},{"text":"Well, pretty much to my wife so then she could pay the house out, basically.","start":654.88995,"end":658.67,"sentiment":"neutral","sentiment_score":0.12769307990868886},{"text":"Yep.","start":660.08997,"end":660.58997,"sentiment":"neutral","sentiment_score":0.22393940389156344}],"sentiment":"neutral","sentiment_score":0.1217974093007414,"num_words":19,"start":629.29,"end":660.58997},{"sentences":[{"text":"Yep.","start":661.12994,"end":661.62994,"sentiment":"neutral","sentiment_score":0.03942906856536865},{"text":"And then So, like, so outside of that, my wife has a passport for me, god forbid, it would go to my kids.","start":662.08997,"end":671.195,"sentiment":"neutral","sentiment_score":0.004783646244069804},{"text":"Yep.","start":672.615,"end":673.115,"sentiment":"neutral","sentiment_score":0.026910841464996334},{"text":"But right now, yeah, just just for the wife.","start":674.455,"end":677.27496,"sentiment":"neutral","sentiment_score":0.009181171448694335},{"text":"Because I've seen it so many times that, like, my family and relatives of, like, my sister or and her partner.","start":677.575,"end":686.52,"sentiment":"neutral","sentiment_score":-0.014528591112009184}],"sentiment":"neutral","sentiment_score":-0.000838292666726788,"num_words":55,"start":661.12994,"end":686.52},{"sentences":[{"text":"Her partner's mom hadn't renewed their what's his name?","start":686.58,"end":691.56,"sentiment":"neutral","sentiment_score":-0.027492593973875046},{"text":"The the the the will and all that sort of stuff.","start":692.98004,"end":695.86,"sentiment":"neutral","sentiment_score":-0.027785874733870678},{"text":"So her her dad actually had to give her son half of his house money.","start":695.86,"end":702.835,"sentiment":"neutral","sentiment_score":-0.03732297569513321},{"text":"You know, that sort of stuff.","start":704.335,"end":705.695,"sentiment":"neutral","sentiment_score":-0.03192448398719231},{"text":"Yeah.","start":705.695,"end":706.175,"sentiment":"neutral","sentiment_score":-0.0016557881608605385}],"sentiment":"neutral","sentiment_score":-0.031098221317820605,"num_words":42,"start":686.58,"end":706.175},{"sentences":[{"text":"So, like, just keep it to the wire.","start":706.175,"end":708.515,"sentiment":"neutral","sentiment_score":0.016052568331360817},{"text":"And if sometime I need to renew it or change it, we can do it on that yearly basis.","start":708.895,"end":715.93,"sentiment":"neutral","sentiment_score":0.01727065703782596},{"text":"You know?","start":716.15,"end":716.89,"sentiment":"neutral","sentiment_score":0.018535847309976816},{"text":"Yeah.","start":717.35004,"end":717.85004,"sentiment":"neutral","sentiment_score":0.08678250759840012},{"text":"Yep.","start":728.925,"end":729.425,"sentiment":"neutral","sentiment_score":0.08232729136943817}],"sentiment":"neutral","sentiment_score":0.02137885561152812,"num_words":31,"start":706.175,"end":729.425},{"sentences":[{"text":"How much?","start":737.64,"end":738.12,"sentiment":"neutral","sentiment_score":-0.005764448549598455},{"text":"Sorry.","start":738.12,"end":738.62,"sentiment":"neutral","sentiment_score":-0.025946103036403656},{"text":"Give me 2 Alright.","start":741.0,"end":742.38,"sentiment":"neutral","sentiment_score":0.027989412425085902},{"text":"So I'll pull it 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a 100 percent.","start":1480.44,"end":1481.58,"sentiment":"neutral","sentiment_score":-0.08022874873131514},{"text":"Yeah.","start":1481.72,"end":1482.22,"sentiment":"neutral","sentiment_score":-0.011640943586826324},{"text":"And, like, right point, like, I ride a motorbike going from work, so you just never know.","start":1482.92,"end":1487.9,"sentiment":"neutral","sentiment_score":0.014629658311605453},{"text":"So 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that's the way I yeah.","start":1551.4149,"end":1553.335,"sentiment":"neutral","sentiment_score":0.15986047685146332},{"text":"I'd probably take a little lump sum to pay the house off and then take an income stream.","start":1553.335,"end":1557.975,"sentiment":"neutral","sentiment_score":0.11222617410951191},{"text":"What?","start":1557.975,"end":1558.475,"sentiment":"neutral","sentiment_score":0.1158670336008072},{"text":"You know?","start":1558.9349,"end":1559.515,"sentiment":"neutral","sentiment_score":0.11491825431585312},{"text":"Just give me two secs.","start":1560.76,"end":1561.7999,"sentiment":"neutral","sentiment_score":0.12028858661651612}],"sentiment":"neutral","sentiment_score":0.1226993896998465,"num_words":32,"start":1551.4149,"end":1561.7999},{"sentences":[{"text":"Just gotta do a radio check.","start":1561.7999,"end":1563.5,"sentiment":"neutral","sentiment_score":0.05157989263534546},{"text":"Yeah.","start":1563.64,"end":1564.14,"sentiment":"neutral","sentiment_score":0.06591431051492691},{"text":"MTR bravo range control radio check over.","start":1566.36,"end":1569.1,"sentiment":"neutral","sentiment_score":0.03309563334499087},{"text":"MTR bravo range MTR bravo range control.","start":1571.08,"end":1576.4349,"sentiment":"neutral","sentiment_score":0.03219191836459296},{"text":"Let me turn it up to you.","start":1576.4349,"end":1577.815,"sentiment":"neutral","sentiment_score":0.03353924091373171}],"sentiment":"neutral","sentiment_score":0.038113614810364585,"num_words":28,"start":1561.7999,"end":1577.815},{"sentences":[{"text":"XCON range control radio checkover.","start":1577.875,"end":1580.215,"sentiment":"neutral","sentiment_score":-0.021839190274477005},{"text":"It's gone.","start":1593.58,"end":1594.14,"sentiment":"neutral","sentiment_score":-0.11888284236192703},{"text":"Range control.","start":1594.14,"end":1594.94,"sentiment":"neutral","sentiment_score":-0.04574488289654255},{"text":"Radio check over.","start":1594.94,"end":1596.08,"sentiment":"neutral","sentiment_score":-0.03493787658711275},{"text":"Sorry about that.","start":1698.6749,"end":1699.6549,"sentiment":"neutral","sentiment_score":-0.18437001605828604}],"sentiment":"neutral","sentiment_score":-0.07309167198836804,"num_words":15,"start":1577.875,"end":1699.6549},{"sentences":[{"text":"Oh, yeah.","start":1703.7949,"end":1704.615,"sentiment":"neutral","sentiment_score":0.010208317078649998},{"text":"And I yeah.","start":1705.1549,"end":1706.2949,"sentiment":"neutral","sentiment_score":-0.029212495932976406},{"text":"So they weren't listening to me, so I just had to send another guy off to go and tell him to pull their head out there, I guess.","start":1706.4349,"end":1712.64,"sentiment":"neutral","sentiment_score":-0.08895032826278891},{"text":"Yeah.","start":1725.605,"end":1725.845,"sentiment":"neutral","sentiment_score":0.1026814505457878},{"text":"That's right.","start":1725.845,"end":1726.325,"sentiment":"neutral","sentiment_score":0.09873247519135475}],"sentiment":"neutral","sentiment_score":-0.06271343455753392,"num_words":36,"start":1703.7949,"end":1726.325},{"sentences":[{"text":"Yeah.","start":1726.325,"end":1726.725,"sentiment":"neutral","sentiment_score":0.04907214641571045},{"text":"There's a lot more than saying.","start":1726.725,"end":1727.845,"sentiment":"neutral","sentiment_score":0.05365058810760578},{"text":"There's no real point change in something that's not being an issue.","start":1727.845,"end":1731.705,"sentiment":"neutral","sentiment_score":-0.052366162883117795},{"text":"Oh, go on, I 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anyway.","start":1773.35,"end":1775.77,"sentiment":"neutral","sentiment_score":-0.020138647221028805},{"text":"Yeah.","start":1797.38,"end":1797.7,"sentiment":"neutral","sentiment_score":0.0832805335521698},{"text":"Yeah.","start":1797.7,"end":1798.2,"sentiment":"neutral","sentiment_score":0.0903029888868332}],"sentiment":"neutral","sentiment_score":0.006429598932819708,"num_words":14,"start":1772.71,"end":1798.2},{"sentences":[{"text":"Yep.","start":1799.06,"end":1799.56,"sentiment":"neutral","sentiment_score":0.29444706439971924},{"text":"Yep.","start":1814.355,"end":1814.855,"sentiment":"neutral","sentiment_score":0.057833775877952576},{"text":"Yes.","start":1837.2949,"end":1837.7949,"sentiment":"neutral","sentiment_score":0.056932300329208374},{"text":"Yep.","start":1861.7849,"end":1862.265,"sentiment":"neutral","sentiment_score":0.10113273561000824},{"text":"Yep.","start":1862.265,"end":1862.765,"sentiment":"neutral","sentiment_score":0.14607451856136322}],"sentiment":"neutral","sentiment_score":0.13128407895565034,"num_words":5,"start":1799.06,"end":1862.765},{"sentences":[{"text":"Yeah.","start":1875.16,"end":1875.66,"sentiment":"neutral","sentiment_score":0.09002487361431122},{"text":"Excon.","start":1902.73,"end":1903.21,"sentiment":"neutral","sentiment_score":0.03074963390827179},{"text":"This is range control over.","start":1903.21,"end":1904.6699,"sentiment":"neutral","sentiment_score":0.028265893831849097},{"text":"Exton Range Control over.","start":1915.0549,"end":1918.155,"sentiment":"neutral","sentiment_score":0.01724175876006484},{"text":"Range control is it?","start":1918.755,"end":1922.5549,"sentiment":"neutral","sentiment_score":0.015239817555993795}],"sentiment":"neutral","sentiment_score":0.026135352129737537,"num_words":15,"start":1875.16,"end":1922.5549},{"sentences":[{"text":"Range control is it?","start":1923.155,"end":1925.235,"sentiment":"neutral","sentiment_score":0.010256011271849275},{"text":"Exton Range Control.","start":1930.3,"end":1931.2001,"sentiment":"neutral","sentiment_score":0.007579765282571316},{"text":"Can you amend these means at all times while a lot of firing is is occurring, please?","start":1931.5,"end":1936.0,"sentiment":"neutral","sentiment_score":0.014177752549157423},{"text":"Yep.","start":2010.925,"end":2011.425,"sentiment":"neutral","sentiment_score":0.11840306222438812},{"text":"Yep.","start":2015.8,"end":2016.3,"sentiment":"neutral","sentiment_score":0.07596038281917572}],"sentiment":"neutral","sentiment_score":0.019198022281321194,"num_words":26,"start":1923.155,"end":2016.3},{"sentences":[{"text":"Yep.","start":2019.0,"end":2019.08,"sentiment":"neutral","sentiment_score":0.06157512590289116},{"text":"No.","start":2019.08,"end":2019.48,"sentiment":"neutral","sentiment_score":0.0729203075170517},{"text":"Sounds all pretty pretty good to me.","start":2019.48,"end":2021.58,"sentiment":"positive","sentiment_score":0.39542689067976816},{"text":"Three seconds.","start":2026.405,"end":2026.965,"sentiment":"neutral","sentiment_score":0.0381121626123786},{"text":"Hang 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that.","start":2061.865,"end":2062.845,"sentiment":"neutral","sentiment_score":-0.057462665562828384},{"text":"No.","start":2066.585,"end":2066.825,"sentiment":"neutral","sentiment_score":-0.08052177727222443},{"text":"No.","start":2066.825,"end":2066.985,"sentiment":"neutral","sentiment_score":-0.07539135217666626},{"text":"It's okay.","start":2066.985,"end":2067.625,"sentiment":"neutral","sentiment_score":-0.0215018754824996},{"text":"He he was trying to ring my phone that I was on, and I'm like, dude, I'm on the phone to sleep, but ring the ring the office.","start":2067.625,"end":2072.78,"sentiment":"neutral","sentiment_score":-0.047288988650377305}],"sentiment":"neutral","sentiment_score":-0.04843990169465542,"num_words":35,"start":2061.865,"end":2072.78},{"sentences":[{"text":"And he's like, okay.","start":2072.78,"end":2073.9202,"sentiment":"neutral","sentiment_score":0.027651659678667784},{"text":"But yeah.","start":2074.2551,"end":2075.84,"sentiment":"neutral","sentiment_score":0.1384550705552101},{"text":"Yep.","start":2076.7002,"end":2077.2002,"sentiment":"neutral","sentiment_score":0.1053474098443985},{"text":"Yep.","start":2103.84,"end":2104.34,"sentiment":"neutral","sentiment_score":0.09236906468868256},{"text":"Okay.","start":2118.885,"end":2119.125,"sentiment":"neutral","sentiment_score":0.04852675274014473}],"sentiment":"neutral","sentiment_score":0.07041777856647968,"num_words":9,"start":2072.78,"end":2119.125},{"sentences":[{"text":"Yep.","start":2119.125,"end":2119.625,"sentiment":"neutral","sentiment_score":0.03404763713479042},{"text":"Do I need to sign anything from that?","start":2119.765,"end":2121.605,"sentiment":"neutral","sentiment_score":0.01397775363875553},{"text":"Or yeah.","start":2121.605,"end":2123.4749,"sentiment":"neutral","sentiment_score":0.026925677433609962},{"text":"Yep.","start":2127.36,"end":2127.86,"sentiment":"neutral","sentiment_score":0.07955897599458694},{"text":"Yep.","start":2134.4001,"end":2134.9001,"sentiment":"neutral","sentiment_score":0.028596416115760803}],"sentiment":"neutral","sentiment_score":0.02368280101710787,"num_words":13,"start":2119.125,"end":2134.9001},{"sentences":[{"text":"Yep.","start":2135.12,"end":2135.28,"sentiment":"neutral","sentiment_score":0.02976095490157604},{"text":"Yep.","start":2135.28,"end":2135.36,"sentiment":"neutral","sentiment_score":0.03300436958670616},{"text":"That's just a DocuSign, isn't 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for $5.70 something.","start":2174.845,"end":2179.725,"sentiment":"neutral","sentiment_score":0.0028182179308854616},{"text":"But the only difference is that that house hasn't been touched since nineteen eighty something.","start":2179.725,"end":2186.19,"sentiment":"neutral","sentiment_score":-0.07251757929722467}],"sentiment":"neutral","sentiment_score":-0.017357876136563446,"num_words":68,"start":2151.405,"end":2186.19},{"sentences":[{"text":"And the our house has been, like, smaller than theirs, but being renovated.","start":2186.81,"end":2192.03,"sentiment":"neutral","sentiment_score":-0.06882032322195861},{"text":"I've put a massive shed out of that, you know, all the good stuff.","start":2192.49,"end":2196.455,"sentiment":"neutral","sentiment_score":0.013086732476949692},{"text":"But, yeah, I I would put it between $5.50 and 600.","start":2198.115,"end":2201.655,"sentiment":"neutral","sentiment_score":0.02765051182359457},{"text":"So That's I'll I'll I'll never get rid of 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one.","start":2250.345,"end":2251.565,"sentiment":"neutral","sentiment_score":0.027311224956065416},{"text":"So yes.","start":2252.665,"end":2254.2651,"sentiment":"neutral","sentiment_score":0.024923577904701233},{"text":"I have another yeah.","start":2254.2651,"end":2255.305,"sentiment":"neutral","sentiment_score":0.029439325910061598},{"text":"I've got a Jayco Discovery.","start":2255.305,"end":2256.7651,"sentiment":"neutral","sentiment_score":0.06694983839988708},{"text":"25.","start":2261.6199,"end":2262.5999,"sentiment":"neutral","sentiment_score":0.018801260739564896}],"sentiment":"neutral","sentiment_score":0.03939998825080693,"num_words":16,"start":2250.345,"end":2262.5999},{"sentences":[{"text":"No.","start":2266.58,"end":2266.98,"sentiment":"neutral","sentiment_score":-0.032607100903987885},{"text":"No.","start":2266.98,"end":2267.48,"sentiment":"neutral","sentiment_score":-0.03481400012969971},{"text":"But we've got we've got a trip planned up 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overheating.","start":2334.465,"end":2337.925,"sentiment":"neutral","sentiment_score":-0.01793484301574958},{"text":"And yeah.","start":2338.145,"end":2339.025,"sentiment":"neutral","sentiment_score":-0.014897910412400961}],"sentiment":"neutral","sentiment_score":-0.037466025426510896,"num_words":64,"start":2313.815,"end":2339.025},{"sentences":[{"text":"So we just packed up and and left.","start":2339.025,"end":2341.285,"sentiment":"neutral","sentiment_score":0.02367434184998274},{"text":"It was just hot packing up, you know, about an hour and a half time to pack up instead of, yeah, three days like I'd normally do when I'm at home.","start":2341.745,"end":2351.3599,"sentiment":"neutral","sentiment_score":0.04456162029096196},{"text":"So yeah.","start":2351.3599,"end":2352.3398,"sentiment":"neutral","sentiment_score":0.006954616867005824},{"text":"Yeah.","start":2353.44,"end":2353.92,"sentiment":"neutral","sentiment_score":-0.000902293249964714},{"text":"So yeah.","start":2353.92,"end":2355.285,"sentiment":"neutral","sentiment_score":-0.013079401571303606}],"sentiment":"neutral","sentiment_score":0.03540120684457096,"num_words":44,"start":2339.025,"end":2355.285},{"sentences":[{"text":"We get away once a year.","start":2355.285,"end":2356.7249,"sentiment":"neutral","sentiment_score":-0.029897395210961502},{"text":"We'd like to do it more, but we just yeah.","start":2356.7249,"end":2359.065,"sentiment":"neutral","sentiment_score":-0.03358588498085737},{"text":"Just finances.","start":2359.285,"end":2360.1848,"sentiment":"neutral","sentiment_score":-0.028695533983409405},{"text":"You know?","start":2360.4849,"end":2361.065,"sentiment":"neutral","sentiment_score":-0.021489711478352547},{"text":"So no.","start":2362.405,"end":2369.365,"sentiment":"neutral","sentiment_score":-0.03328740503638983}],"sentiment":"neutral","sentiment_score":-0.031008569185029377,"num_words":22,"start":2355.285,"end":2369.365},{"sentences":[{"text":"No.","start":2369.365,"end":2369.6848,"sentiment":"neutral","sentiment_score":-0.09476016461849213},{"text":"I can't work.","start":2369.6848,"end":2371.71,"sentiment":"neutral","sentiment_score":-0.09527759253978729},{"text":"If I haven't had many days off since January because we got, like, new new employers, so all of our leave and everything left.","start":2371.71,"end":2381.07,"sentiment":"neutral","sentiment_score":-0.039223757184421025},{"text":"So I'm gonna work over Christmas this year to be able to go in January this year.","start":2381.07,"end":2386.845,"sentiment":"neutral","sentiment_score":0.030085615156327978},{"text":"So but that's okay.","start":2386.845,"end":2387.9648,"sentiment":"neutral","sentiment_score":0.028551345691084862}],"sentiment":"neutral","sentiment_score":-0.014210250494735581,"num_words":49,"start":2369.365,"end":2387.9648},{"sentences":[{"text":"It's what it is.","start":2387.9648,"end":2389.025,"sentiment":"neutral","sentiment_score":0.1599968522787094},{"text":"Definitely.","start":2391.4849,"end":2391.9849,"sentiment":"positive","sentiment_score":0.3452948331832886},{"text":"Yes.","start":2392.845,"end":2393.325,"sentiment":"neutral","sentiment_score":0.1889929175376892},{"text":"Most definitely.","start":2393.325,"end":2394.2249,"sentiment":"neutral","sentiment_score":0.26535141468048096},{"text":"Yeah.","start":2398.67,"end":2399.17,"sentiment":"neutral","sentiment_score":0.032758601009845734}],"sentiment":"neutral","sentiment_score":0.19308184335629144,"num_words":9,"start":2387.9648,"end":2399.17},{"sentences":[{"text":"Probably $4 now.","start":2403.63,"end":2405.41,"sentiment":"neutral","sentiment_score":0.006708359656234582},{"text":"Yeah.","start":2405.71,"end":2406.1099,"sentiment":"neutral","sentiment_score":0.04646328091621399},{"text":"It's it's getting older.","start":2406.1099,"end":2408.0298,"sentiment":"neutral","sentiment_score":0.06656145257875323},{"text":"So yeah.","start":2408.0298,"end":2409.5698,"sentiment":"neutral","sentiment_score":0.004463816061615944},{"text":"I think it went up, actually, but through the insurance, but I'll just keep it the same there.","start":2418.025,"end":2423.4849,"sentiment":"neutral","sentiment_score":-0.012907596098052131}],"sentiment":"neutral","sentiment_score":0.003908038305650864,"num_words":28,"start":2403.63,"end":2423.4849},{"sentences":[{"text":"No.","start":2437.4102,"end":2437.73,"sentiment":"neutral","sentiment_score":-0.06788463145494461},{"text":"Not yet.","start":2437.73,"end":2438.37,"sentiment":"neutral","sentiment_score":-0.0659560039639473},{"text":"No.","start":2438.37,"end":2438.87,"sentiment":"neutral","sentiment_score":-0.07323883473873138},{"text":"Yeah.","start":2441.175,"end":2441.675,"sentiment":"neutral","sentiment_score":0.049842845648527145},{"text":"Definitely.","start":2443.2551,"end":2443.7551,"sentiment":"positive","sentiment_score":0.4716419577598572}],"sentiment":"neutral","sentiment_score":0.04140822154780229,"num_words":6,"start":2437.4102,"end":2443.7551},{"sentences":[{"text":"A 100%.","start":2461.04,"end":2462.0,"sentiment":"neutral","sentiment_score":0.11074057966470718},{"text":"Yeah.","start":2462.0,"end":2462.5,"sentiment":"neutral","sentiment_score":-0.012684937566518784},{"text":"I don't wanna work now.","start":2463.04,"end":2464.4,"sentiment":"neutral","sentiment_score":-0.20536112189292907},{"text":"But, you know, it's like every other Aussie but or any person in general.","start":2464.4,"end":2471.315,"sentiment":"neutral","sentiment_score":0.1413242168990629},{"text":"But, yeah, that that's definitely the goal because my wife, she's four years older than me.","start":2471.315,"end":2478.195,"sentiment":"neutral","sentiment_score":0.18051351513713598}],"sentiment":"neutral","sentiment_score":0.10654594450208701,"num_words":38,"start":2461.04,"end":2478.195},{"sentences":[{"text":"So, you know, when I hit 60, she'll be 64.","start":2478.195,"end":2481.24,"sentiment":"neutral","sentiment_score":0.14428053572773933},{"text":"So, yeah, would like to, you know, go for holidays or whatever and not have to worry about working.","start":2481.72,"end":2489.74,"sentiment":"neutral","sentiment_score":0.24715422093868256},{"text":"Yeah.","start":2504.755,"end":2505.075,"sentiment":"neutral","sentiment_score":0.08395054936408997},{"text":"Yeah.","start":2505.075,"end":2505.315,"sentiment":"neutral","sentiment_score":0.0766960084438324},{"text":"Yeah.","start":2505.315,"end":2505.4749,"sentiment":"neutral","sentiment_score":0.0768907442688942}],"sentiment":"neutral","sentiment_score":0.19925852678716183,"num_words":32,"start":2478.195,"end":2505.4749},{"sentences":[{"text":"Hang on.","start":2505.4749,"end":2505.795,"sentiment":"neutral","sentiment_score":0.061382995918393135},{"text":"Just a sec.","start":2505.795,"end":2506.615,"sentiment":"neutral","sentiment_score":0.045407736053069435},{"text":"Yeah, mate.","start":2507.7998,"end":2508.3599,"sentiment":"neutral","sentiment_score":0.12176841497421265},{"text":"My grandma is Alyssa, clearly.","start":2508.3599,"end":2510.0598,"sentiment":"neutral","sentiment_score":0.10403065830469131},{"text":"Well, we just got, like, 700 people that come and go at work.","start":2511.96,"end":2515.64,"sentiment":"neutral","sentiment_score":0.07021770339745742}],"sentiment":"neutral","sentiment_score":0.07742037862539292,"num_words":25,"start":2505.4749,"end":2515.64},{"sentences":[{"text":"So there's a lot here.","start":2515.64,"end":2517.96,"sentiment":"neutral","sentiment_score":0.05183377787470818},{"text":"It's and it's holiday.","start":2517.96,"end":2519.66,"sentiment":"neutral","sentiment_score":0.08306767605245113},{"text":"So yeah.","start":2521.2852,"end":2521.945,"sentiment":"neutral","sentiment_score":0.04243096150457859},{"text":"But, yeah, 100 percent.","start":2522.565,"end":2523.945,"sentiment":"neutral","sentiment_score":0.01768270507454872},{"text":"That's exactly where I wanna be roughly.","start":2524.245,"end":2526.985,"sentiment":"neutral","sentiment_score":0.06769915936248642}],"sentiment":"neutral","sentiment_score":0.05549665692855011,"num_words":22,"start":2515.64,"end":2526.985},{"sentences":[{"text":"Because, like, for right now like and when I hit 60, the house will be paid off.","start":2529.685,"end":2534.565,"sentiment":"neutral","sentiment_score":0.0724513388293631},{"text":"So that's so that's well, I might be 61.","start":2534.565,"end":2539.13,"sentiment":"neutral","sentiment_score":0.09352094762855107},{"text":"But, you know, when I hit 50, there's only, like, 20,000 left.","start":2539.13,"end":2542.41,"sentiment":"neutral","sentiment_score":0.04185774208356937},{"text":"You could I'll pull a bit from the server and pay it out.","start":2542.41,"end":2545.29,"sentiment":"neutral","sentiment_score":0.1115186890730491},{"text":"So you know?","start":2545.29,"end":2546.27,"sentiment":"neutral","sentiment_score":0.09874628360072772}],"sentiment":"neutral","sentiment_score":0.08003029634279234,"num_words":54,"start":2529.685,"end":2546.27},{"sentences":[{"text":"I'd I'd I'd love to be self sufficient now.","start":2559.465,"end":2562.285,"sentiment":"neutral","sentiment_score":0.05862334890601536},{"text":"Yeah.","start":2563.93,"end":2564.43,"sentiment":"neutral","sentiment_score":0.004640297964215279},{"text":"But no.","start":2564.57,"end":2564.97,"sentiment":"neutral","sentiment_score":-0.0332484794780612},{"text":"Not nothing really.","start":2564.97,"end":2566.27,"sentiment":"neutral","sentiment_score":-0.01064927006761233},{"text":"Yeah.","start":2584.205,"end":2584.705,"sentiment":"neutral","sentiment_score":0.08403569459915161}],"sentiment":"neutral","sentiment_score":0.03236508522240911,"num_words":16,"start":2559.465,"end":2584.705},{"sentences":[{"text":"Yep.","start":2623.38,"end":2623.5398,"sentiment":"neutral","sentiment_score":0.09685152769088744},{"text":"No dramas.","start":2623.5398,"end":2624.3599,"sentiment":"neutral","sentiment_score":0.1036805436015129},{"text":"Yeah.","start":2625.38,"end":2625.7,"sentiment":"neutral","sentiment_score":0.23645073175430295},{"text":"That's what I'm saying.","start":2625.7,"end":2626.76,"sentiment":"neutral","sentiment_score":0.12022976204752922},{"text":"Yeah.","start":2676.325,"end":2676.825,"sentiment":"neutral","sentiment_score":-0.0011133793741464617}],"sentiment":"neutral","sentiment_score":0.1133854461626874,"num_words":9,"start":2623.38,"end":2676.825},{"sentences":[{"text":"No.","start":2680.71,"end":2681.03,"sentiment":"neutral","sentiment_score":-0.19475418329238892},{"text":"I'm still fairly happy.","start":2681.03,"end":2682.15,"sentiment":"neutral","sentiment_score":-0.05407281219959259},{"text":"Like, it's you know, like you were saying, it's not really that like, you know, if I had have had $2.03, maybe even $500,000 sitting there, it might be a different story.","start":2682.15,"end":2692.97,"sentiment":"neutral","sentiment_score":-0.029447737149894238},{"text":"But I haven't even got a 100, so let's do it.","start":2693.43,"end":2696.8052,"sentiment":"neutral","sentiment_score":-0.0266843338242986},{"text":"Yeah.","start":2697.905,"end":2698.405,"sentiment":"neutral","sentiment_score":0.062287528067827225}],"sentiment":"neutral","sentiment_score":-0.03233904418136392,"num_words":49,"start":2680.71,"end":2698.405},{"sentences":[{"text":"Yeah.","start":2698.945,"end":2699.445,"sentiment":"neutral","sentiment_score":0.04525391757488251},{"text":"Yep.","start":2700.945,"end":2701.0251,"sentiment":"neutral","sentiment_score":0.05282771214842796},{"text":"Yep.","start":2701.0251,"end":2701.5251,"sentiment":"neutral","sentiment_score":0.047237273305654526},{"text":"Yep.","start":2713.29,"end":2713.79,"sentiment":"neutral","sentiment_score":0.04062437638640404},{"text":"Yep.","start":2717.05,"end":2717.55,"sentiment":"neutral","sentiment_score":0.07070265710353851}],"sentiment":"neutral","sentiment_score":0.05132918730378151,"num_words":5,"start":2698.945,"end":2717.55},{"sentences":[{"text":"Yes.","start":2734.695,"end":2735.195,"sentiment":"neutral","sentiment_score":0.02581039071083069},{"text":"About the same time as today, Like, say 02:00.","start":2735.2551,"end":2738.24,"sentiment":"neutral","sentiment_score":0.017591716514693365},{"text":"No.","start":2738.24,"end":2738.72,"sentiment":"neutral","sentiment_score":-0.013018765486776829},{"text":"It won't be 02:00 your time.","start":2738.72,"end":2740.4,"sentiment":"neutral","sentiment_score":-0.0024038769382362566},{"text":"It will be 01:30 your time, but 02:30 my time.","start":2740.4,"end":2745.94,"sentiment":"neutral","sentiment_score":0.014155568834394217}],"sentiment":"neutral","sentiment_score":0.011046277798919214,"num_words":27,"start":2734.695,"end":2745.94},{"sentences":[{"text":"Yep.","start":2749.52,"end":2750.02,"sentiment":"neutral","sentiment_score":0.08416371047496796},{"text":"Yep.","start":2750.4,"end":2750.9,"sentiment":"neutral","sentiment_score":0.06674416363239288},{"text":"The Tuesday, nineteenth.","start":2764.925,"end":2766.465,"sentiment":"neutral","sentiment_score":0.018900543140868347},{"text":"Yep.","start":2767.23,"end":2767.73,"sentiment":"neutral","sentiment_score":0.018439166247844696},{"text":"Oh, twentieth.","start":2768.19,"end":2768.83,"sentiment":"neutral","sentiment_score":0.008569260127842426}],"sentiment":"neutral","sentiment_score":0.03039839875418693,"num_words":8,"start":2749.52,"end":2768.83},{"sentences":[{"text":"Sorry.","start":2768.83,"end":2769.07,"sentiment":"neutral","sentiment_score":0.0032136794179677963},{"text":"Yeah.","start":2769.07,"end":2769.31,"sentiment":"neutral","sentiment_score":0.034190624952316284},{"text":"Yeah.","start":2769.31,"end":2769.47,"sentiment":"neutral","sentiment_score":0.04477444291114807},{"text":"Yep.","start":2769.47,"end":2769.79,"sentiment":"neutral","sentiment_score":0.03623320162296295},{"text":"No.","start":2769.79,"end":2770.03,"sentiment":"neutral","sentiment_score":0.041627731174230576}],"sentiment":"neutral","sentiment_score":0.03200793601572514,"num_words":5,"start":2768.83,"end":2770.03},{"sentences":[{"text":"That's fine.","start":2770.03,"end":2770.77,"sentiment":"neutral","sentiment_score":0.18305470794439316},{"text":"Yep.","start":2772.35,"end":2772.85,"sentiment":"neutral","sentiment_score":0.0766497552394867},{"text":"Yeah.","start":2781.235,"end":2781.475,"sentiment":"neutral","sentiment_score":0.11758943647146224},{"text":"Awesome.","start":2781.475,"end":2781.975,"sentiment":"positive","sentiment_score":0.4357758164405823},{"text":"Yep.","start":2782.995,"end":2783.495,"sentiment":"neutral","sentiment_score":0.21953853964805603}],"sentiment":"neutral","sentiment_score":0.20261049394806227,"num_words":6,"start":2770.03,"end":2783.495},{"sentences":[{"text":"No dramas.","start":2785.955,"end":2786.695,"sentiment":"neutral","sentiment_score":0.0614180788397789},{"text":"Awesome.","start":2787.075,"end":2787.555,"sentiment":"positive","sentiment_score":0.6195895671844482},{"text":"Thank you very much.","start":2787.555,"end":2788.695,"sentiment":"positive","sentiment_score":0.7647229135036469},{"text":"Yep.","start":2801.54,"end":2801.86,"sentiment":"positive","sentiment_score":0.48236727714538574},{"text":"Yes.","start":2801.86,"end":2802.1802,"sentiment":"positive","sentiment_score":0.474025160074234}],"sentiment":"positive","sentiment_score":0.5286344240109125,"num_words":9,"start":2785.955,"end":2802.1802},{"sentences":[{"text":"And yours too.","start":2802.1802,"end":2803.24,"sentiment":"positive","sentiment_score":0.5393460790316263},{"text":"Awesome.","start":2804.703,"end":2805.203,"sentiment":"positive","sentiment_score":0.6432881355285645},{"text":"You too.","start":2807.263,"end":2807.823,"sentiment":"positive","sentiment_score":0.488938644528389},{"text":"See you now.","start":2807.823,"end":2808.563,"sentiment":"positive","sentiment_score":0.44893654187520343},{"text":"Bye bye.","start":2808.783,"end":2809.523,"sentiment":"neutral","sentiment_score":0.20864320546388626}],"sentiment":"positive","sentiment_score":0.4548454271121459,"num_words":11,"start":2802.1802,"end":2809.523}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Scott. This is Dana from OKIE Financial. How are you this afternoon?\n\nChannel 1: I'm great. And yourself? You know what? I was just on the phone with my dad, and I'm like, Brisbane. Brisbane.\n\nAnd I looked up on my board, and I'm like, super yearly. That's why I better answer this one.\n\nChannel 0: No. You're absolutely fine. Is now still a good time to go through\n\nChannel 1: Yes.\n\nChannel 0: a bit of a review for you? Yep.\n\nChannel 1: Yes. I may get called away, but I'll I'll be able to still, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: do it.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: that's\n\nChannel 0: Not a problem at all. I'll jump in through what I need to. If at any point you need to reschedule or come\n\nChannel 1: okay.\n\nChannel 0: back later, just let me know, and I can always finish another time. But we'll try to make it as quick and easy as possible for you.\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: have had a bit of a look at everything prior to just calling you, and I've sort of found there's some advice we can look to provide to update things as well. So this year has been a little bit up and down with the markets and everything going on. So there's\n\nChannel 1: Yep.\n\nChannel 0: a few changes I think we can make to keep things working a bit harder for you. Okay?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: I know I know this is my last couple days have been been getting a bit of hits, but\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. No. That's okay. There's definitely some things we can do, and I've had a really good look at everything prior there.\n\nChannel 1: Yeah.\n\nChannel 0: Before\n\nChannel 1: Yeah.\n\nChannel 0: I do jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: No. Of course.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And then just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. It's got Andrew Burke. The 04/09/2026\n\nChannel 0: Yep.\n\nChannel 1: 997. 5\n\nChannel 0: Mhmm.\n\nChannel 1: Elm Avenue, Murray Bridge, South Australia 5253.\n\nChannel 0: Legend. Thank you so much for that. So, Scott, just to sort of start with, we normally send through the documents to you to review with us. Are you able to access your emails at the moment? If you can't, it's honestly okay.\n\nIt's okay. If you can't, don't don't stress. I'll run through it all, and I'll send it through you anyway so you can review it later.\n\nChannel 1: Yeah. I might be able to\n\nChannel 0: Yeah.\n\nChannel 1: pull it up on my laptop. But that's okay.\n\nChannel 0: That's\n\nChannel 1: We can\n\nChannel 0: okay.\n\nChannel 1: start anyway.\n\nChannel 0: Yeah. Absolutely. All good. So I have sent it through to your email there. So if you can't now, it's honestly okay.\n\nIt'll be there for when you've got some time later and you're able to review them. If\n\nChannel 1: Yes.\n\nChannel 0: you do have any questions once you have reviewed everything, please let me know. I just like to make sure you're aware that I'm open and honest with everything, and the first thing I kinda wanted to go through with you is a little bit about the market. So this year has been very up and down. The markets have had some good returns this year, but also have had some downtimes and some severe volatility. And it's something that while your balance is a little bit lower at the moment, wouldn't really notice a great deal.\n\nBut as your balance increases, it does have a bit of an effect. But it does mean that with the the risk profile you're in, you're in that growth environment, which is 80% in growth assets and 20% in lower risk defensive assets. So you\n\nChannel 1: I\n\nChannel 0: are\n\nChannel 1: thought\n\nChannel 0: gonna\n\nChannel 1: mine\n\nChannel 0: feel\n\nChannel 1: got\n\nChannel 0: and\n\nChannel 1: changed.\n\nChannel 0: see volatility. Sorry. You're right.\n\nChannel 1: Changed. Yeah. I thought it got changed to sixty forty.\n\nChannel 0: Not that I can see. You're definitely still sitting in that growth asset allocation currently. Was that something that someone was gonna do for you a while ago?\n\nChannel 1: Yeah. Yeah. Because they rang me and told me that it was, you know, with the inflations and all that, we recommend I think it was, like, COVID ish, and I\n\nChannel 0: Oh,\n\nChannel 1: hadn't discussed,\n\nChannel 0: yeah.\n\nChannel 1: like, it going back up yet. Mhmm.\n\nChannel 0: Yeah. So the at COVID, they did sell and move some money into cash. And then a\n\nChannel 1: Yep.\n\nChannel 0: few months after that, they sent out an email to say that we were reinvesting the funds when the market was going back up again.\n\nChannel 1: Oh, okay. Yeah.\n\nChannel 0: But that\n\nChannel 1: That's\n\nChannel 0: was\n\nChannel 1: cool.\n\nChannel 0: yeah. Yeah. So you are you asked for, like, growth environment's absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine.\n\nChannel 1: Yep.\n\nChannel 0: We haven't done that this year with the volatility because you do have to pick your timing, and it is a very risk risky decision to sell people out of their portfolio where there is volatility around because you may not time the market correctly. Timing the market is a very hard decision to make. In COVID, there was a lot of factors that kinda showed our directors that they needed to make that decision back then. So\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: Yeah.\n\nChannel 0: this year's volatility, just to kinda go through now, your portfolio has definitely increased. So when we have a look at your annual review last year, your balance then was sitting at $79,934.27. Your balance\n\nChannel 1: Yep.\n\nChannel 0: as of this year, you're sitting at $95,830.69. So it is good. You have seen\n\nChannel 1: Oh,\n\nChannel 0: some\n\nChannel 1: wow.\n\nChannel 0: growth in the portfolio. It is just a lower rate of return. So, realistically, over the past twelve months, you have only returned about a 2.06% return.\n\nChannel 1: Yes.\n\nChannel 0: That is a very low positive return. It is positive, but I'm honest, it is a very low return. And I definitely wanna make sure returns moving forward a little bit better than that where\n\nChannel 1: Mhmm.\n\nChannel 0: where\n\nChannel 1: Yeah.\n\nChannel 0: possible.\n\nChannel 1: Definitely.\n\nChannel 0: Yeah. One of the things I do kind of like to make sure everyone is aware is that with every portfolio, there is a likelihood of a negative return. So with the growth\n\nChannel 1: Yeah.\n\nChannel 0: environment that you're currently in, we do expect sort of one in every sort of five years to see a negative return or a lower return. So this kinda fits with the way that we sort of see the portfolio is working. But it also sort of shows me that there are some things that we could update because you are in much of an older portfolio. And when I\n\nChannel 1: Yep.\n\nChannel 0: kinda look back to from inception, since when you came on board in 2022, you've actually had a 17.09% return overall. So your portfolio has been growing steadily, which is great, but we wanna just update the portfolio, maybe replace some underperforming investments. One of the\n\nChannel 1: Yeah.\n\nChannel 0: things that we do sort of like with market volatility is that it does sort of show you what is performing, what isn't performing, and where there might be need to be some changes made. One of the things I kind of looked at was in your portfolio, you do have to bend along Australian Equities investment. This was placed in your portfolio years ago because it has performed really well long term, but just recently, they've had some underlying issues and haven't been able to perform. One of the things with having an active manager and Benelong is an active manager, so the investment manager within that fund is supposed to be trying to outperform against the market, and they haven't been able to do so. They've had some underlying issues, which is sort of what's partly holding your portfolio\n\nChannel 1: Yep.\n\nChannel 0: back at the moment because all your other investments have performed really well this year. So I do wanna maybe look at providing some advice for you if you're happy for me too. I wanna\n\nChannel 1: Yeah.\n\nChannel 0: definitely remove that out of the portfolio for you, replace that, and I'd love to go back. There's some other things while everything's working really well. I might be able to rejig the rest of the portfolio for you just sort of update things, make some changes, keep the portfolio\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: working a little bit harder\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: 100\n\nChannel 0: you as\n\nChannel 1: percent\n\nChannel 0: well.\n\nChannel 1: answer that. Yeah.\n\nChannel 0: Yeah. Beautiful. And some of the investments I'm looking at are also a little bit cheaper as well. So we might be able to reduce some of the investment fees within your portfolio for you, lower the overall cost a little bit. How does that sound?\n\nChannel 1: Yeah. That sounds good. Yeah.\n\nChannel 0: Yeah? Beautiful. One of the things I kinda wanted to touch on is there are different ways to have or to build an investment portfolio. One of the ways is to have active managers life span along in your portfolio. You do pay a little bit more of a premium for having those sorts of managers in your portfolio.\n\nThere are other ways that are passive investments, which can be lower risk. You're not trying to outperform against the market there. When you're younger, you can take a little bit more risk and have those active managers in there, and you've got a lot of time before you can access your sofa. But it's also more down to a preference. Would you like me to look at a portfolio that keeps a little bit of active management reviewing that moving forward, or would you like to just focus on a lower cost portfolio and remove the the risk of active managers underperforming.\n\nWhat would you like to see?\n\nChannel 1: Well, like, I know I know this is gonna sound silly. Like, it's it's it's my money. I get that.\n\nChannel 0: Yeah.\n\nChannel 1: But I can't access it until I'm 60. So I'm happy to do whatever you would recommend to get me the most money by\n\nChannel 0: Yeah.\n\nChannel 1: the time\n\nChannel 0: And\n\nChannel 1: I'm\n\nChannel 0: look, that does not sound silly in any way, shape, or form, Scott. That's actually a really good thing to do. I'm happy to look at\n\nChannel 1: 60.\n\nChannel 0: all the different options for you if you like. We we do include active management and passive portfolios. I can look at the overall cost. I can look at how that's gonna affect you long term based on, you know, past performance of the investment spend. I\n\nChannel 1: Yep.\n\nChannel 0: can also look at the capital gains consequences because one of the important things to make mention for you is that your super fund, just like you, does a tax return every year. They pay\n\nChannel 1: Yep.\n\nChannel 0: income tax and capital gains tax. So whenever investments are bought and sold and investments are changed up, your super fund does have a capital gains consequence. So I can go back and do all the research for you. I can look at how you invested the portfolio you're in, look at all the different options I have to invest you in other areas, look at the cost, the CGT consequences, and look at the fight next five to ten years to see what that projected outcome looks like and recommend the best option for you. Does that sound comfortable for you?\n\nChannel 1: Yeah. 100%. Right. You know,\n\nChannel 0: Yeah.\n\nChannel 1: you're doing all the back\n\nChannel 0: Yeah.\n\nChannel 1: work for me. And you want me\n\nChannel 0: That's\n\nChannel 1: to keep\n\nChannel 0: why\n\nChannel 1: your business and keep\n\nChannel 0: yeah.\n\nChannel 1: you know, so yeah. So\n\nChannel 0: Absolutely.\n\nChannel 1: you're gonna do the best you can. So\n\nChannel 0: Yeah.\n\nChannel 1: that's alright.\n\nChannel 0: Absolutely. And that's really important to note too is that we are here to work in your best interest. We do also, our license under the corporations act, We're all licensed advisers, and we work under the best interest duty, which essentially means we need to be working for you and updating things for you. If ever under the best interest duty, if ever your best interest clash with that of our business, I would put you before that of our company as well. So\n\nChannel 1: Yes.\n\nChannel 0: rest assured, I I promise to look after you, be open and honest, but I'd like to sort of pride myself on the honesty aspect, making sure that when the market's not performing well, when the portfolio is down, letting you know that there is always a note that there are ups and downs in the market. So I, you know, never wanna sugarcoat anything that isn't honest and open for you. And you're welcome to if you hear things or are unsure about markets or what's happening. You're welcome to give me a call, vent it out, and we can talk us through. That's what I'm here for for you as well.\n\nOkay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Beautiful. Well, I've got some great ideas on what I can do to sort of fix up your portfolio and update things for you, which is fantastic. We'll definitely remove some underperforming investments, and we'll look at how we can build things for you there. I like it.\n\nI also can see here with your insurances. Now you've got your nearest life insurances with life, TBD, and income protection there\n\nChannel 1: Yes.\n\nChannel 0: with the sum insured of your life cover. So the way I like to phrase this is if you were to pass away today, your life insurance pays out $997,004.92, but then\n\nChannel 1: Yep.\n\nChannel 0: your super benefit is also paid out on top of that. Okay? So\n\nChannel 1: Yep.\n\nChannel 0: you've got $99,749.02 plus $95,830.69. So it's about a 1,093,000 sitting there of benefit.\n\nChannel 1: Yep.\n\nChannel 0: Just in the event of passing, what is it your wishes? Who do you want that to be paid to? What were you what's your goal around having that money paid out? What did you want it to cover?\n\nChannel 1: Well, pretty much to my wife so then she could pay the house out, basically.\n\nChannel 0: I love that. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: How much do you have\n\nChannel 1: And\n\nChannel 0: owing\n\nChannel 1: then\n\nChannel 0: on the mortgage? Sorry.\n\nChannel 1: So, like, so outside of that, my wife has a passport for me, god forbid,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: it would go to my kids.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: But right now, yeah, just just for the wife. Because I've seen\n\nChannel 0: Mhmm.\n\nChannel 1: it so many times that, like, my family and relatives of, like, my sister or and her partner. Her partner's mom hadn't renewed\n\nChannel 0: Yeah.\n\nChannel 1: their what's his name? The the the the will and all that sort of stuff. So her her dad actually had to give her son half of his house money.\n\nChannel 0: Yeah. Oh, I'm\n\nChannel 1: You know,\n\nChannel 0: so\n\nChannel 1: that\n\nChannel 0: sorry.\n\nChannel 1: sort of stuff. Yeah. So,\n\nChannel 0: Yeah.\n\nChannel 1: like, just keep it to the wire. And\n\nChannel 0: Yep.\n\nChannel 1: if sometime I need to renew it or change it, we can do it on that yearly\n\nChannel 0: Yeah.\n\nChannel 1: basis. You know? Yeah.\n\nChannel 0: Absolutely. Most definitely. And I can see your beneficiary nomination here on your super is completely nominated to her. So I've got down Amy Lowry to receive a 100% of the benefit. That's correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Good to hear. Excellent. And how much do you have owing on the mortgage currently?\n\nI had $2.20 $2.59 last year.\n\nChannel 1: How much? Sorry.\n\nChannel 0: $2.59.\n\nChannel 1: Give me 2 Alright. So I'll pull it up.\n\nChannel 0: You're absolutely fine.\n\nChannel 1: Accounts. 2542252.\n\nChannel 0: Beautiful. Do you have anything sitting in the offset account offsetting some of that?\n\nChannel 1: No. No. That's\n\nChannel 0: Nope. That's okay.\n\nChannel 1: so I I paid I was paying a $160 more.\n\nChannel 0: Yep.\n\nChannel 1: And then, obviously, with inflation over the last four years,\n\nChannel 0: Yeah.\n\nChannel 1: now I caught up to what I was paying. So now I've I've gotta find money from elsewhere to, you know and and\n\nChannel 0: Yes.\n\nChannel 1: the wife's no longer working either because of medical. So\n\nChannel 0: Oh,\n\nChannel 1: yeah. Yay.\n\nChannel 0: wow. It's a lot going on. I'm so sorry\n\nChannel 1: Yeah.\n\nChannel 0: to hear that.\n\nChannel 1: Good\n\nChannel 0: Yeah.\n\nChannel 1: old\n\nChannel 0: I know. Understandable. I'm dreading\n\nChannel 1: government,\n\nChannel 0: the letter that comes through now to tell me how\n\nChannel 1: mate.\n\nChannel 0: much my mortgage is gonna increase by. Not\n\nChannel 1: Yeah.\n\nChannel 0: fun at\n\nChannel 1: Well,\n\nChannel 0: all.\n\nChannel 1: so I'm I'm just lucky that mine's, you know, 250,000, not like, my brother-in-law and sister, I think their house is worth, like, 900,000.\n\nChannel 0: Yeah.\n\nChannel 1: So in the big scary thing, I'm thankful that mine's only you know, I'm not paying thousand $1,500 weekly bills. Mine's only 7\n\nChannel 0: Yes.\n\nChannel 1: 50. So\n\nChannel 0: Yes.\n\nChannel 1: A\n\nChannel 0: No.\n\nChannel 1: 4\n\nChannel 0: Understandable.\n\nChannel 1: 9.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: I think most mortgages these days are very much higher than what you do have there, so a lot\n\nChannel 1: Yeah.\n\nChannel 0: of people are gonna\n\nChannel 1: You're\n\nChannel 0: be\n\nChannel 1: there.\n\nChannel 0: feeling a lot more stress. Absolutely. Yeah.\n\nChannel 1: Hang\n\nChannel 0: Perfect. Just with that life amount that you are covered for, are you fairly comfortable with that amount? It definitely pays out the mortgage and certainly leaves with pretty decent buffer there for your family.\n\nChannel 1: on. Yeah. Yeah. I'm happy with that. Or\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: yeah. Yeah. No.\n\nChannel 0: Yeah.\n\nChannel 1: Happy.\n\nChannel 0: That's okay. If you ever not, you wanted to reevaluate it, you let me know. That's what I'm here to help you with. Okay?\n\nChannel 1: Yeah. No. I would\n\nChannel 0: Beautiful.\n\nChannel 1: pay absolutely everything off for them, and they'd be\n\nChannel 0: Yeah.\n\nChannel 1: they'd have money left over and, you\n\nChannel 0: Yep.\n\nChannel 1: know, that's that's what I'd want. So\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: I mean, if we sort of look at it that there and we go to 52,000, reducing the mortgage total, I don't have any other debts noted down here. Do you have any other debts that might need to be paid out?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No. We're so\n\nChannel 0: That's\n\nChannel 1: when we last refinanced, we paid absolutely everything out. So that's why\n\nChannel 0: yep.\n\nChannel 1: I'm I'm set up, but I'm just\n\nChannel 0: Yeah.\n\nChannel 1: yeah. We can't afford much else.\n\nChannel 0: No. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. That's understandable. Hopefully, it all gets a bit better for you soon.\n\nChannel 1: Yeah.\n\nChannel 0: In income wise, I had you on a base income of around about 100 and sorry.\n\nChannel 1: Yeah.\n\nChannel 0: $74,007.52, And I had\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Yep.\n\nChannel 0: note here that you were expecting about a 105,000 this last year total. Does that sound correct for your income, or what do you want at the moment?\n\nChannel 1: So last year, I earned about a 105\n\nChannel 0: Yep.\n\nChannel 1: because of overtime and swapping contracts.\n\nChannel 0: Mhmm.\n\nChannel 1: So my old employer lost the contract for the job that I'm in,\n\nChannel 0: Okay.\n\nChannel 1: and we got we got paid out as all of our entitlements and everything. So\n\nChannel 0: Yep.\n\nChannel 1: my long service leave, annual leave, all RDOs, all that sort of stuff that I had banked there. So\n\nChannel 0: Yep.\n\nChannel 1: that's why that was up a bit higher. We've got a bit of back pay as well because they with our EBA. So I knew it was gonna be higher. But so I'm only on now 44 $40.40 an hour. So yeah.\n\nSo I don't know how much that works out to me.\n\nChannel 0: Okay. That's okay. I can absolutely work that out for you, and I'll just pop that into the calculator now. So we'll say per hour. And you just do thirty eight hours a week?\n\nChannel 1: So I do hang on. Sorry. Text\n\nChannel 0: That's\n\nChannel 1: message.\n\nChannel 0: okay.\n\nChannel 1: I do forty hours a week, but two hours\n\nChannel 0: Mhmm.\n\nChannel 1: of that gets taken off or one two hours of that gets taken off for audio. So, yes, thirty\n\nChannel 0: Yep.\n\nChannel 1: thirty eight.\n\nChannel 0: Beautiful. Not a problem at all. So just looking at that one there, it gives you essentially a gross income of around about $79,830.40 there. That's obviously base, and then there could be additional, you know, overtime and loadings and things on top of that. Does that sound right?\n\nChannel 1: Yeah. That that's exactly right. Yeah. So that\n\nChannel 0: Yep.\n\nChannel 1: that is absolute base. Like, I reckon\n\nChannel 0: Yep.\n\nChannel 1: hang on. I'll give you I'll pull up my Workday app, and I'll\n\nChannel 0: Mhmm.\n\nChannel 1: so I've only been with this company since February.\n\nChannel 0: Yep.\n\nChannel 1: And I I work nearly every other weekend. So\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Right.\n\nChannel 1: Yeah. When it opens up,\n\nChannel 0: Yeah.\n\nChannel 1: pay. So so my last payslip for the period of the thirteenth to the ninth,\n\nChannel 0: Yeah.\n\nChannel 1: thirty first to the eighth to the thirteenth to the ninth,\n\nChannel 0: Mhmm.\n\nChannel 1: it Year to date from financial year was twenty twenty seven and a half before tax.\n\nChannel 0: Okay. Beautiful. Before tax. Excellent. Thank you so much.\n\nAnd I'll update everything here. Beautiful. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: So the main reason to sort of look at that is, obviously, looking at income protection. So you have a a monthly benefit that you're insured for growth of 5,599.\n\nChannel 1: Yep.\n\nChannel 0: Based on your base income, it does show you're slightly over insured. But if you're\n\nChannel 1: Yep.\n\nChannel 0: working overtime and things like that, having that extra monthly benefit does mean you could claim just slightly a little bit more without having to increase it back later down the track.\n\nChannel 1: Yeah.\n\nChannel 0: Are\n\nChannel 1: With\n\nChannel 0: you\n\nChannel 1: sorry?\n\nChannel 0: yeah.\n\nChannel 1: Go. Go for\n\nChannel 0: You're\n\nChannel 1: it.\n\nChannel 0: fine. You're fine.\n\nChannel 1: Yeah. So with with my base wage, we get like a a land management allowance. We get a an operator's allowance on top of that. Then we get a what was the other one? We get, like, about three three different allowances on top of our normal wage.\n\nSo I\n\nChannel 0: Yes.\n\nChannel 1: roughly earn about 27 a fortnight\n\nChannel 0: Okay.\n\nChannel 1: before overtime and stuff. Yeah.\n\nChannel 0: Yeah. No. That's absolutely fine. So keeping your income protection at that level feels fairly appropriate for you. Did you wanna look at yeah.\n\nBeautiful.\n\nChannel 1: Yeah. Yeah. Just leaving it\n\nChannel 0: You\n\nChannel 1: like that.\n\nChannel 0: absolutely. Now you do have a ninety day waiting and a five year benefit period. Do you understand how income protection works, what the benefit periods and waiting periods essentially stand for?\n\nChannel 1: I just thought it was the longer I wait, the less I gotta pay.\n\nChannel 0: That is absolutely true as well. Your waiting period is how long you have to be off work prior to submitting your claim. So if you are off work due to illness or injury, you've just gotta be off work for ninety days. What I\n\nChannel 1: Yeah.\n\nChannel 0: sort of suggest is if there's a point where you're off work due to illness or injury and you're pretty sure you're gonna make that waiting period, give us a call. Let us know straight away so we can let the insurer know that starts the waiting period. And then at ninety days, we can finalize and submit the claim. But in the meantime, they're getting the claims forms ready to go for you because some of them have to be filled out by your doctors as well. So\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: just essentially what a waiting period means. It does mean in that time frame, you do have to cover expenditure through your own means by way of\n\nChannel 1: Yeah.\n\nChannel 0: savings or credit\n\nChannel 1: What would\n\nChannel 0: cards\n\nChannel 1: be\n\nChannel 0: or\n\nChannel 1: the\n\nChannel 0: extra work. Sorry.\n\nChannel 1: what\n\nChannel 0: Yeah.\n\nChannel 1: so, like, for instance, if I if I feel sick tomorrow, right, what\n\nChannel 0: Yeah. Mhmm.\n\nChannel 1: what would the difference be between me like, if I feel sick tomorrow and then I put that down to a month instead of having a ninety days,\n\nChannel 0: Mhmm.\n\nChannel 1: only thirty days. What would the difference be in that? Do you know? Would I have\n\nChannel 0: In\n\nChannel 1: to\n\nChannel 0: premium?\n\nChannel 1: rent\n\nChannel 0: No. I can\n\nChannel 1: yeah.\n\nChannel 0: find that out for you. I'm just gonna log in to the portal now because I can live quote the difference to see what that would look like for you.\n\nChannel 1: Yep. It's just that, you know, I don't think I'll worry about it now, but it's something to look at maybe when I get a little bit older, if you know what I mean.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: That's not a problem at all. But there we go. I'm just loading your profile now for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Approaching. Okay. Beautiful. So now you've got a five year benefit period as well. Are you happy with the five year benefit period?\n\nIt does just mean that you can be on a claim for up to five years in the event of something happening.\n\nChannel 1: Yeah. I am I'm happy\n\nChannel 0: Yep.\n\nChannel 1: with yeah.\n\nChannel 0: Yeah. Beautiful. So\n\nChannel 1: Because if, you know, let's say I have a car accident and it's not my fault, well, I'm gonna get paid out for that anyway, aren't I?\n\nChannel 0: yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: There's other things that can be claimed there.\n\nChannel 1: Yeah.\n\nChannel 0: There we go. Beautiful. Sorry. It just loaded. Excellent.\n\nAlright. So I'm just gonna change the waiting period from ninety days to thirty days,\n\nChannel 1: Yep.\n\nChannel 0: and it's showing me the total premium there for all the now your total premium you have on all your insurances at the moment paid out of super was $3,174.06. So if I go three one seven four point seven six. And the new premium, if you had a thirty day waiting, does increase the policy cost\n\nChannel 1: Yep.\n\nChannel 0: to a total $4,707.44. So I'm just looking at the difference. Wait.\n\nChannel 1: So To the house.\n\nChannel 0: It's about $900\n\nChannel 1: Sixteen.\n\nChannel 0: difference total between\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: It's\n\nChannel 0: gross\n\nChannel 1: not too\n\nChannel 0: cost\n\nChannel 1: bad.\n\nChannel 0: of the premium.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Not too bad. For peace of mind.\n\nChannel 0: Just yeah. Just increases it slightly there. But if you wanted to look at doing that, I'm absolutely fine to incorporate that for you. It does obviously increase the the cost of the policy. And these are steps policies as well.\n\nSo they do go through a renewal period every year, which means that they do increase along with CPI. So the amount that you're covered for will increase a little bit each year, but it also means the cost of the premium is gonna also increase each year. So we wanna make sure we review them. And as you don't need such a high amount of insurances, we kinda reduce it back and alter it so\n\nChannel 1: Yeah.\n\nChannel 0: that it's not eating away all your super, essentially. Yeah.\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: Yeah.\n\nChannel 1: I have happy to leave it at not not the ninety\n\nChannel 0: Yep.\n\nChannel 1: days from now.\n\nChannel 0: Beautiful.\n\nChannel 1: But, yeah, if for any reason, I can change it later on if I\n\nChannel 0: Yep.\n\nChannel 1: feel\n\nChannel 0: Abs\n\nChannel 1: that I need to.\n\nChannel 0: absolutely. Not a problem at all. Now we've also got your TBD cover there, so total permanent disability cover. That essentially pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity or permanent disability.\n\nChannel 1: Yeah.\n\nChannel 0: You've\n\nChannel 1: Is\n\nChannel 0: got\n\nChannel 1: that\n\nChannel 0: the same\n\nChannel 1: in\n\nChannel 0: level\n\nChannel 1: work\n\nChannel 0: of cover.\n\nChannel 1: or at of work? Or\n\nChannel 0: That's\n\nChannel 1: is that anything?\n\nChannel 0: it doesn't matter what it is. It could be inside work or outside work. The main\n\nChannel 1: Yeah.\n\nChannel 0: thing that is with these policies is that you have an any occupation definition. So it essentially means that in order to claim on the policy, you never have to be you sorry. Never can go back to work again for any occupation for which you're educated, trained, or have worked in the past. And I'm just popping\n\nChannel 1: Yeah.\n\nChannel 0: the policy in to double check that one.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. You've got the super any definition there. Perfect. So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, essentially, it does it is a hard definition to claim on. It doesn't mean that something has to happen at work. It can be outside of work. So as an example, if you have a a car accident or motorcycle accident, you break your back and you can never go back to being a laborer again, that will assess to see if there's any other occupation that you have been worked or trained in the past that you can that you can go back to. If your\n\nChannel 1: Yes.\n\nChannel 0: two doctors, one being a specialist, say that he's never going back to work, then\n\nChannel 1: Mhmm.\n\nChannel 0: that can be claimed on for you. So it is a difficult\n\nChannel 1: Yes.\n\nChannel 0: one, but it is important to sorta have some sort of TBD cover because you\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: a\n\nChannel 0: never\n\nChannel 1: 100\n\nChannel 0: know\n\nChannel 1: percent.\n\nChannel 0: what's gonna\n\nChannel 1: Yeah.\n\nChannel 0: happen.\n\nChannel 1: And,\n\nChannel 0: Yeah.\n\nChannel 1: like, right point, like, I ride a motorbike going from work,\n\nChannel 0: Yeah.\n\nChannel 1: so you just never know.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yep.\n\nChannel 0: Absolutely. Now the other thing I do like to make sure everyone is aware of is that TBD is unfortunately a taxable payment. So if in the event that you were to claim on that, we can\n\nChannel 1: Yep.\n\nChannel 0: also claim and release your super. So it does mean that your gross amount that you're covered for is the same as life, a bit over $11,093,000, which is a good amount. If\n\nChannel 1: Yes.\n\nChannel 0: you were to claim on that and take the full lump sum upfront, the government, unfortunately, taxes that at up to 22% depending on the age and stage\n\nChannel 1: Yeah.\n\nChannel 0: of the claim. Kinda sucks. That means the amount that you are covered for, you're not likely to receive upfront. What I\n\nChannel 1: Yeah.\n\nChannel 0: like to make sure you're aware of is that if you were to have a claim on TBD, we, as advisers, would provide advice on how to structure the payments, whether to take a lump sum, how much of that, how to minimize the tax. There are some fun little things we can do in the back end to help lower or minimize the tax consequences and or how\n\nChannel 1: Yes.\n\nChannel 0: to keep as much money invested long term and maybe draw out a smaller income stream as well. So\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: So that's\n\nChannel 0: do\n\nChannel 1: the\n\nChannel 0: just\n\nChannel 1: way\n\nChannel 0: like to make\n\nChannel 1: I\n\nChannel 0: sure\n\nChannel 1: yeah. I'd\n\nChannel 0: yeah.\n\nChannel 1: probably take a little lump sum to pay the house off and then take\n\nChannel 0: Yeah.\n\nChannel 1: an income stream. What?\n\nChannel 0: Absolutely.\n\nChannel 1: You know?\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Just give me two secs. Just gotta do a radio check. Yeah.\n\nChannel 0: You're right.\n\nChannel 1: MTR bravo range control radio check over. MTR bravo range MTR bravo range control. Let me turn it up to you. XCON range control radio checkover. It's gone.\n\nRange control. Radio check over. Sorry about that.\n\nChannel 0: No. You're absolutely fine. You've got lots of things to do. I completely\n\nChannel 1: Oh,\n\nChannel 0: understand.\n\nChannel 1: yeah. And I yeah. So they weren't listening to me, so I just had to send another guy off to go and tell him to pull their head out there, I guess.\n\nChannel 0: I love that. Fantastic. Well, that's basically I've got a really good idea. We're happy with the life of TBD, the income protection, not wanting to make any alterations to those covers at this time. Is that\n\nChannel 1: Yeah. That's\n\nChannel 0: right?\n\nChannel 1: right. Yeah. There's a lot\n\nChannel 0: Yeah.\n\nChannel 1: more\n\nChannel 0: Beautiful.\n\nChannel 1: than saying. There's no real point change in something that's not being an issue.\n\nChannel 0: Yeah. That's absolutely fine. Having a look at your circumstances here, I can see you've got one dependent, one child, was 15. I'm assuming now 16 years of age.\n\nChannel 1: Oh, go on, I think. Yes.\n\nChannel 0: Oh, wow. They grow up so fast, don't they? Oh,\n\nChannel 1: Oh,\n\nChannel 0: good.\n\nChannel 1: yeah.\n\nChannel 0: I know money is a bit tight with everything at the moment with everything you're going through. So I'm assuming you're not sort of wanting to apply for any additional insurances that might be paid out of pocket, like trauma, child trauma, things like that. You're happy\n\nChannel 1: No.\n\nChannel 0: do you have any questions about any of those types of covers? Has anyone ever sort of, spoken to you about the different insurances that you can also hold in those areas?\n\nChannel 1: Sort of. But I haven't really worried about it yet.\n\nChannel 0: Yep.\n\nChannel 1: Not\n\nChannel 0: That's\n\nChannel 1: really.\n\nChannel 0: absolutely\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: fine.\n\nChannel 1: And\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: not\n\nChannel 1: don't\n\nChannel 0: a\n\nChannel 1: have\n\nChannel 0: problem.\n\nChannel 1: the money to do it anyway.\n\nChannel 0: Yeah. Absolutely. Not a problem. I do understand that. I'll just sort of make a note here that, you know, additional insurances, and I'm sort of looking at one of the things I wanted to sort of see was whether you were in a position to make additional contributions to sleep, but it looks like you're probably not as of yet.\n\nSo I can hold, your additional contributions off and revisit that down the track. Would that be okay with you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. The only other thing to sort of look at is within that email, what we've set you, we've also got our ongoing services agreement there for you, which does outline your ongoing services fee for our services.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, there has been one little change that we have made to the new agreement moving forward, and one of the things is that it's now gonna be a more of a tiered structure. So, essentially, once your super balance hits 200,000, the ongoing service fee after the balance of 200,000 is 1.65% as you have been paying down the over the last couple of years. There's no major changes there. Once your\n\nChannel 1: Yes.\n\nChannel 0: super balance hits 200,000, then the next tier comes into play. And, essentially, any you'll you know, the amount over that will only be paying 1.375. And then once your super balance hits 500,000 and then a million after that, that so it's just basically a tiered structure. So the higher your super balance goes, the lower the tier still ends up being. So\n\nChannel 1: Yep.\n\nChannel 0: the idea\n\nChannel 1: Yep.\n\nChannel 0: is that it's more structured. It's going to sort of lower the cost of your ongoing services as your super balance increases, which is great. Think of it a bit like the tax system. We have different tiers for the taxation, and this\n\nChannel 1: Yeah.\n\nChannel 0: will work exactly the same way there. One of the other things I do like about our new tier structure is that we are not going to save 1.65 with an estimated. So on your ongoing services fee agreement over the last few years, we always You're right.\n\nChannel 1: Excon. This is range control over. Exton Range Control over. Range control is it? Range control is it?\n\nExton Range Control. Can you amend these means at all times while a lot of firing is is occurring, please?\n\nChannel 0: You did well. All good. The other thing I just wanna let you know is that in the past, we've always provided an ongoing service agreement, which outlines the estimated fee for the year. Our new fee, essentially, because it is a tier structure, we're now going to essentially calculate the total fee to be paid for the year, and it means that we're accounting for about a 5% increase or a growth in the account, essentially. With the older fee, if you were getting a 20 or 30% increase, our fee was gonna go up drastically with that.\n\nBecause we're now gonna oh, sorry. Work out your total fee as a dollar figure, it means that you know exactly how much you're gonna pay for our services for that year, and you won't pay anything more. So if you get a 20 or 30% increase in your super, it's not gonna continuously go up. It'll cap our services fee at what we have stipulated in the account. So it's actually gonna work out a lot better for you.\n\nIt's a little bit more certainty around our ongoing services fee, and it means that the higher your super balance goes, you'll drop\n\nChannel 1: Yep.\n\nChannel 0: down into the lower tier. So that'll work out to your favor down the track as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions about any of that?\n\nChannel 1: Yep. No. Sounds all pretty pretty good to me.\n\nChannel 0: Beautiful. Excellent. We've also got in there the the Vanguard file, which\n\nChannel 1: Three\n\nChannel 0: essentially\n\nChannel 1: seconds. Hang\n\nChannel 0: outlines\n\nChannel 1: on.\n\nChannel 0: you\n\nChannel 1: Sorry.\n\nChannel 0: alright? No. You're fine.\n\nChannel 1: Margaret Ryan. It's Charles speaking. Hi, buddy. Yep. Sorry about that.\n\nChannel 0: No. You're absolutely fine. I promise I'm almost done. All\n\nChannel 1: No.\n\nChannel 0: good.\n\nChannel 1: No. It's okay. He he was trying to ring my phone that I was on, and I'm like, dude, I'm on the phone to sleep, but ring the ring the office. And he's like, okay. But yeah.\n\nChannel 0: All good.\n\nChannel 1: Yep.\n\nChannel 0: The other documents for you to run your eyes over are your nearest to view. Currently, the Vanguard index chart, which essentially just shows you how markets react over time and why we invest the way we do. It shows you where the ups and downs have occurred over time, and that continuously investing long term does provide great benefits. So that's necessary to run your eyes over. We've also got in there our oh, sorry, Okey Financial Services guide, which outlines everything about who we are, what we do, how we do it, has all\n\nChannel 1: Yep.\n\nChannel 0: my licensing information there for you as a licensed adviser. It also outlines any additional services and how our ongoing service fee works. So you're welcome to run your eyes through any of those. If you do find you have any questions, you're welcome to let me know at any point in time. Okay?\n\nChannel 1: Okay. Yep. Do I need\n\nChannel 0: Once\n\nChannel 1: to sign\n\nChannel 0: you have,\n\nChannel 1: anything from that? Or\n\nChannel 0: yeah, once you have run\n\nChannel 1: yeah.\n\nChannel 0: your eyes over the documents, we'll get you to sign the ongoing services agreement, return it back just so\n\nChannel 1: Yep.\n\nChannel 0: we can continue looking after things for you and providing advice. Ongoing service fee also includes that extra advice for super as well.\n\nChannel 1: Yep.\n\nChannel 0: So yeah.\n\nChannel 1: Yep. Yep. That's just a DocuSign, isn't it?\n\nChannel 0: It is. Yeah. Absolutely.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Nice and easy. Yeah. Perfect. I also just wanted to update a few additional things there for you. So we've updated your mortgage on your property.\n\nWhat sort of value would you put on your house at the moment, your main primary residence?\n\nChannel 1: I'd put $2,000,000. So I I would put it somewhere between 500 and 600,000\n\nChannel 0: Yep.\n\nChannel 1: just because that's what the people next door to us. So one sold for $4.50 about three,\n\nChannel 0: Yep.\n\nChannel 1: four years ago, but that's a really small house. And then on the other side of us, just sold for $5.70\n\nChannel 0: Yep.\n\nChannel 1: something.\n\nChannel 0: Awesome.\n\nChannel 1: But the\n\nChannel 0: Yeah.\n\nChannel 1: only difference is that that house hasn't been touched since nineteen eighty something. And\n\nChannel 0: Right.\n\nChannel 1: the our house has been, like, smaller than theirs, but being renovated. I've put a massive shed out of that, you know, all the good stuff.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I I would put it between $5.50 and 600.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Beautiful. Excellent. Not a problem. I've also got your 2018 Ford Everest fully kitted out there, and asset value last year was 32,000. Do you think you'd keep that the same or alter that?\n\nChannel 1: That's I'll I'll I'll never get rid of it. Sorry. It's actually just sitting in the shed. I'm driving my son's car at the moment because it's just too expensive\n\nChannel 0: Nice.\n\nChannel 1: to do that.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: With you.\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. While it's not getting kilometers put on it, probably because it's still only got a 160,000. So\n\nChannel 0: Yeah. Okay.\n\nChannel 1: yeah.\n\nChannel 0: Beautiful. Excellent. And I've got a caravan down here as well. Do you still have the caravan?\n\nChannel 1: What sort of caravan is it?\n\nChannel 0: It doesn't say. It just says caravan.\n\nChannel 1: Okay. How much?\n\nChannel 0: 17,500 value with no debt.\n\nChannel 1: No. We sold that one.\n\nChannel 0: Okay. Do you\n\nChannel 1: So\n\nChannel 0: still do you have another\n\nChannel 1: yes.\n\nChannel 0: caravan?\n\nChannel 1: I have another yeah. I've got a Jayco\n\nChannel 0: Yep.\n\nChannel 1: Discovery.\n\nChannel 0: Okay. Beautiful. And what sort of value would you put on that, do you think?\n\nChannel 1: 25.\n\nChannel 0: Yep. Beautiful. Do you get out very often in it?\n\nChannel 1: No. No. But we've\n\nChannel 0: No.\n\nChannel 1: got we've got\n\nChannel 0: No.\n\nChannel 1: a trip planned up\n\nChannel 0: Yep.\n\nChannel 1: January. We always go away January. So with with family members, so\n\nChannel 0: Yep.\n\nChannel 1: but, yeah, planning on going up up the sea line. Yeah. So down\n\nChannel 0: Nice. Fantastic.\n\nChannel 1: Victor Harbor Way. So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: it should\n\nChannel 0: Beautiful.\n\nChannel 1: be good.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. But\n\nChannel 0: And\n\nChannel 1: last\n\nChannel 0: then\n\nChannel 1: year,\n\nChannel 0: I've\n\nChannel 1: we went\n\nChannel 0: lost. You.\n\nChannel 1: oh, sorry. Yeah.\n\nChannel 0: Sorry. You're alright? You're good with that?\n\nChannel 1: Yeah. Last year,\n\nChannel 0: You're\n\nChannel 1: we went up to Lake Bonney, which is,\n\nChannel 0: good. Oh,\n\nChannel 1: like, four\n\nChannel 0: nice.\n\nChannel 1: hours away. And\n\nChannel 0: Yeah.\n\nChannel 1: so we got caught in the forty forty three, 44 degree heat for three days. Yeah. And then, so we ended up coming home as as of day two.\n\nChannel 0: Wow. Yeah.\n\nChannel 1: Because the park\n\nChannel 0: Wow.\n\nChannel 1: the caravan park kept dropping out power, and our caravan that old caravan we have was a pop top canvas, everything. So it wasn't\n\nChannel 0: Yeah.\n\nChannel 1: keeping the coolness\n\nChannel 0: Yep.\n\nChannel 1: in it of the air conditioner. And at the time, we had a French bulldog, and she was overheating. And yeah. So we just packed up and and left. It was just hot\n\nChannel 0: Wow.\n\nChannel 1: packing up, you know, about an hour and a half time to pack up instead of, yeah, three days like I'd normally do when I'm at home.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Wow.\n\nChannel 1: Yeah. So yeah. We get away once a year. We'd like to do it more, but we just yeah. Just finances.\n\nYou know?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: So\n\nChannel 0: No. Completely understandable. That trip sounds amazing. I hope you enjoy that, and we are not far away from January. So, hopefully,\n\nChannel 1: no. No.\n\nChannel 0: the countdown's\n\nChannel 1: I can't\n\nChannel 0: on.\n\nChannel 1: work. If I haven't had many days off since January because we got, like, new new employers, so all of our leave and everything left. So I'm\n\nChannel 0: Pay that.\n\nChannel 1: gonna work\n\nChannel 0: Yeah.\n\nChannel 1: over Christmas this year to be able to go in\n\nChannel 0: Wow.\n\nChannel 1: January this year. So but that's okay.\n\nChannel 0: Yeah.\n\nChannel 1: It's what it is.\n\nChannel 0: Yeah. It'll make the holiday worthwhile, all the more\n\nChannel 1: Definitely.\n\nChannel 0: enjoyable.\n\nChannel 1: Yes. Most definitely.\n\nChannel 0: Excellent. I've got your motorbike down here as well with a value of 4,000\n\nChannel 1: Yeah.\n\nChannel 0: 500 on it. What sort of value would you put on that currently, do you think?\n\nChannel 1: Probably $4 now. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: It's it's\n\nChannel 0: Beautiful.\n\nChannel 1: getting older. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Abs absolutely. And then I've got contents down here with a valuation of a 100,000. Would you keep that the same or alter the contents value?\n\nChannel 1: I think it went up, actually, but through the insurance, but I'll just keep it the same there.\n\nChannel 0: Yep. Beautiful. And then looking at the other estate planning side of things here, I've got down here that you don't have a will or power of attorney in place. Have you guys gone through the process or spoken to a solicitor about drawing up your own?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: Not yet. No.\n\nChannel 0: No. That's okay. Definitely on the list of things\n\nChannel 1: Yeah.\n\nChannel 0: to try and get sorted.\n\nChannel 1: Definitely.\n\nChannel 0: Absolutely. Not a problem at all. And then I think that's pretty much everything. I just sort of noted here, like, with your original goals for your super, I had down that you were hoping to access super around about the age of 60. Does that still feel fairly appropriate for that\n\nChannel 1: A\n\nChannel 0: goal?\n\nChannel 1: 100%. Yeah. I don't wanna work now. But, you know,\n\nChannel 0: Yep.\n\nChannel 1: it's\n\nChannel 0: Beautiful.\n\nChannel 1: like every other Aussie but\n\nChannel 0: Yeah.\n\nChannel 1: or any person in general. But, yeah, that that's definitely the goal because my wife, she's four years older than me. So, you know, when I hit\n\nChannel 0: Yeah.\n\nChannel 1: 60, she'll be 64. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, would like to, you know, go for holidays or whatever and not have to worry about working.\n\nChannel 0: Absolutely. That sounds fantastic. We also had it noted that and, look, this could definitely change by the time you get there, but you were working on about a goal of earning $1,500 a week from so far. Is that still fairly appropriate for now knowing that could definitely change?\n\nChannel 1: Yeah. Yeah. Yeah. Hang on. Just a sec.\n\nChannel 0: You're right.\n\nChannel 1: Yeah, mate. My grandma is Alyssa, clearly. Well, we just got, like, 700 people that come and go at work. So there's a\n\nChannel 0: Yeah.\n\nChannel 1: lot\n\nChannel 0: You're\n\nChannel 1: here.\n\nChannel 0: you're\n\nChannel 1: It's\n\nChannel 0: you're\n\nChannel 1: and it's\n\nChannel 0: absolutely\n\nChannel 1: holiday.\n\nChannel 0: fine. Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Of course.\n\nChannel 1: But,\n\nChannel 0: No.\n\nChannel 1: yeah, 100\n\nChannel 0: Not a problem.\n\nChannel 1: percent. That's\n\nChannel 0: Yeah.\n\nChannel 1: exactly where I wanna be roughly.\n\nChannel 0: Yep.\n\nChannel 1: Because, like, for right now like and when I hit 60,\n\nChannel 0: Yep.\n\nChannel 1: the house will be paid off. So that's so that's well, I might be 61. But, you know, when I hit 50, there's only, like, 20,000 left. You could\n\nChannel 0: Yep.\n\nChannel 1: I'll pull a bit from the server and pay it out. So you\n\nChannel 0: Oh,\n\nChannel 1: know?\n\nChannel 0: absolutely. Yeah. Most definitely. Perfect. Excellent.\n\nWell, I'll definitely work on the back end for your goal there for you. Do you have any other goals that you're looking to achieve down the track? Or\n\nChannel 1: I'd I'd I'd love to be self sufficient now.\n\nChannel 0: yep.\n\nChannel 1: Yeah. But no. Not\n\nChannel 0: Yes.\n\nChannel 1: nothing\n\nChannel 0: That's right.\n\nChannel 1: really.\n\nChannel 0: Yep. No. That's okay. Well, I mean, down the track and in the the financial services guide, it does outline other services there. So if you did need additional advice outside of the super insurance aspect, we can do so.\n\nWe would just have more of a conversation. There are additional fees for advice that are outside of super, but we would look\n\nChannel 1: Yeah.\n\nChannel 0: at what you need. If it's just general advice, I can do that free of charge for you. But if there's anything else you need, you're welcome to let me know. I will talk you through it. If I can do it free of charge, I absolutely will.\n\nIf it's just general information, general advice, absolutely. If it's something more personal you're looking to achieve, we'll work out what it is, work in your best interest, and help to provide the personal advice in relation to that for you. So we are definitely here to help in all aspects of your life as much as we definitely can. So but for this one, I'll work on getting your super working a bit harder. We'll swap some things out and update your portfolio for you to see if we can get it working a bit harder for you and hopefully reduce some of those costs involved.\n\nOkay?\n\nChannel 1: Yep. No dramas.\n\nChannel 0: Excellent. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: That's what\n\nChannel 0: last\n\nChannel 1: I'm\n\nChannel 0: thing\n\nChannel 1: saying.\n\nChannel 0: here is excellent. The last thing I just wanna check is your risk profile. So if you are in that growth environment, as I sort of mentioned, with your time horizon towards your goal age, you have about twenty one years before accessing super currently. The growth portfolio does suit someone who has at least six years before accessing their super there. It technically, as I mentioned, does expect a negative return to the one in every five years.\n\nWe want the best returns we possibly can out of our super. But when we think about compounding annual returns, we're expecting around about a seven to 9% average from this portfolio. And then when we think about volatility, anything under 7% is obviously a lower rate of return underperformance, but they also could be because of external market activities there. Are you still fairly comfortable being in that kind of environment? Did you wanna\n\nChannel 1: Yeah.\n\nChannel 0: kinda go through a risk profile and review that at all, or are you still fairly\n\nChannel 1: No. I'm still fairly happy.\n\nChannel 0: happy\n\nChannel 1: Like, it's you know, like\n\nChannel 0: there?\n\nChannel 1: you\n\nChannel 0: Yep.\n\nChannel 1: were saying, it's not really that like, you know, if I had have had $2.03, maybe even $500,000 sitting there, it might be a different story. But\n\nChannel 0: Yeah.\n\nChannel 1: I haven't even got a 100, so let's\n\nChannel 0: We\n\nChannel 1: do it.\n\nChannel 0: wanna get you up there. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Well, I'll see\n\nChannel 1: Yeah.\n\nChannel 0: what I can do to help and update the\n\nChannel 1: Yep. Yep.\n\nChannel 0: advice and sorta get things working a bit harder for you. That's absolutely perfect. What I would like to probably do now before I let you go is just to rebook you in to have your advice presented in the next couple of weeks there.\n\nChannel 1: Yep.\n\nChannel 0: It takes us a few weeks to kinda get everything completed and the research\n\nChannel 1: Yep.\n\nChannel 0: sorted for you. Would you be available for a booking from, say, Monday, October 19 at all? Yep. And what sort of time generally fits you better to run through the updated advice? Morning, afternoon?\n\nChannel 1: Yes. About the same time as today, Like, say 02:00. No. It won't be 02:00 your time. It will be 01:30 your time,\n\nChannel 0: Yep.\n\nChannel 1: but 02:30\n\nChannel 0: Yep.\n\nChannel 1: my time.\n\nChannel 0: Yes. So 02:30 South Australia time suits\n\nChannel 1: Yep.\n\nChannel 0: you the best.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Absolutely. Not a problem at all. Well, I do have availability for you essentially. If I just go back.\n\nSorry. I've lost my date. The Tuesday is available. Is that okay if I book it in then?\n\nChannel 1: The Tuesday, nineteenth.\n\nChannel 0: Yeah. The Tuesday, the\n\nChannel 1: Yep.\n\nChannel 0: twentieth. Sorry.\n\nChannel 1: Oh, twentieth. Sorry. Yeah. Yeah. Yep.\n\nNo.\n\nChannel 0: Yeah.\n\nChannel 1: That's fine.\n\nChannel 0: Yeah. Beautiful. I'll book it in there.\n\nChannel 1: Yep.\n\nChannel 0: So it'll be 02:30 South Australia time there for you on Tuesday, the twentieth. I'll add a text message reminder so it sends you a message two hours prior. And then if anything\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: comes up, you can let us know, but we'll\n\nChannel 1: Yep.\n\nChannel 0: look to have that ready to go for you then. Okay?\n\nChannel 1: No dramas. Awesome. Thank\n\nChannel 0: Easy.\n\nChannel 1: you very much.\n\nChannel 0: My pleasure. Thank you so much for your time. When you do go through those documents, if you do find you have any questions, please let let me know. But, otherwise, I'll just get you to sign and return them back. But thank you for your time today, Scott.\n\nI really appreciate that.\n\nChannel 1: Yep. Yes. And yours too.\n\nChannel 0: Thank you. I'll talk\n\nChannel 1: Awesome.\n\nChannel 0: to you soon. Have a great afternoon.\n\nChannel 1: You too. See you now.\n\nChannel 0: Thanks.\n\nChannel 1: Bye\n\nChannel 0: See\n\nChannel 1: bye.\n\nChannel 0: you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.038324985653162}],"sentiment":"neutral","sentiment_score":0.038324985653162,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Hi, Scott.","start":1.5999999,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.1699707806110382},{"text":"This is Dana from OKIE Financial.","start":2.1599998,"end":3.86,"sentiment":"neutral","sentiment_score":0.19606413940588632},{"text":"How are you this afternoon?","start":3.9199998,"end":5.06,"sentiment":"neutral","sentiment_score":0.3214484632015228}],"sentiment":"neutral","sentiment_score":0.24027451643576989,"channel":0,"num_words":13,"start":1.5999999,"end":5.06},{"sentences":[{"text":"I'm great.","start":5.04,"end":5.7599998,"sentiment":"positive","sentiment_score":0.681853860616684},{"text":"And yourself?","start":5.7599998,"end":6.24,"sentiment":"positive","sentiment_score":0.38587838411331177},{"text":"You know what?","start":6.24,"end":6.72,"sentiment":"neutral","sentiment_score":0.1371691475311915},{"text":"I was just on the phone with my dad, and I'm like, Brisbane.","start":6.72,"end":9.94,"sentiment":"neutral","sentiment_score":0.053083852506600894},{"text":"Brisbane.","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":0.05500929802656174}],"sentiment":"neutral","sentiment_score":0.15676530060313998,"channel":1,"num_words":21,"start":5.04,"end":10.66},{"sentences":[{"text":"And I looked up on my board, and I'm like, super yearly.","start":11.28,"end":14.025,"sentiment":"neutral","sentiment_score":0.07674725043276946},{"text":"That's why I better answer this one.","start":14.025,"end":16.045,"sentiment":"neutral","sentiment_score":0.05241002621395247}],"sentiment":"neutral","sentiment_score":0.06778090466794215,"channel":1,"num_words":19,"start":11.28,"end":16.045},{"sentences":[{"text":"No.","start":16.505,"end":16.744999,"sentiment":"neutral","sentiment_score":0.02082839235663414},{"text":"You're absolutely fine.","start":16.744999,"end":18.025,"sentiment":"neutral","sentiment_score":0.22613670428593954},{"text":"Is now still a good time to go through","start":18.025,"end":19.705,"sentiment":"neutral","sentiment_score":0.23062759306695726}],"sentiment":"neutral","sentiment_score":0.2134528340628514,"channel":0,"num_words":13,"start":16.505,"end":19.705},{"sentences":[{"text":"Yes.","start":19.545,"end":20.045,"sentiment":"neutral","sentiment_score":0.1484840214252472}],"sentiment":"neutral","sentiment_score":0.1484840214252472,"channel":1,"num_words":1,"start":19.545,"end":20.045},{"sentences":[{"text":"a bit of a review for 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build an investment portfolio.","start":405.185,"end":410.885,"sentiment":"neutral","sentiment_score":0.12885188084581625},{"text":"One of the ways is to have active managers life span along in your portfolio.","start":411.425,"end":415.365,"sentiment":"neutral","sentiment_score":0.08157855918010076},{"text":"You do pay a little bit more of a premium for having those sorts of managers in your portfolio.","start":415.585,"end":419.685,"sentiment":"neutral","sentiment_score":0.11735459926881288}],"sentiment":"neutral","sentiment_score":0.12548008523250032,"channel":0,"num_words":59,"start":403.08,"end":419.685},{"sentences":[{"text":"There are other ways that are passive investments, which can be lower risk.","start":420.47,"end":424.16998,"sentiment":"neutral","sentiment_score":0.12901465308207732},{"text":"You're not trying to outperform against the market there.","start":424.22998,"end":426.97,"sentiment":"neutral","sentiment_score":0.16128506263097128},{"text":"When you're younger, you can take a little bit more risk and have those active managers in there, and you've got a lot of time before you can access your sofa.","start":427.03,"end":434.33,"sentiment":"neutral","sentiment_score":0.0858254165899369},{"text":"But it's also more down to a preference.","start":435.275,"end":437.215,"sentiment":"neutral","sentiment_score":0.04285569628700614},{"text":"Would you like me to look at a portfolio that keeps a little bit of active management reviewing that moving forward, or would you like to just focus on a lower cost portfolio and remove the the risk of active managers underperforming.","start":437.275,"end":448.89,"sentiment":"neutral","sentiment_score":0.06467088830790349}],"sentiment":"neutral","sentiment_score":0.08590647424526006,"channel":0,"num_words":103,"start":420.47,"end":448.89},{"sentences":[{"text":"What would you like to 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do.","start":468.725,"end":470.745,"sentiment":"positive","sentiment_score":0.4216470792889595},{"text":"I'm happy to look at","start":470.885,"end":472.005,"sentiment":"positive","sentiment_score":0.3567526161670685}],"sentiment":"neutral","sentiment_score":0.21149381508047765,"channel":0,"num_words":26,"start":464.325,"end":472.005},{"sentences":[{"text":"60.","start":471.975,"end":472.475,"sentiment":"positive","sentiment_score":0.4212251305580139}],"sentiment":"positive","sentiment_score":0.4212251305580139,"channel":1,"num_words":1,"start":471.975,"end":472.475},{"sentences":[{"text":"all the different options for you if you like.","start":472.005,"end":474.005,"sentiment":"neutral","sentiment_score":0.22168808347649044},{"text":"We we do include active management and passive portfolios.","start":474.005,"end":477.29,"sentiment":"neutral","sentiment_score":0.1068622652027342},{"text":"I can look at the overall 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know, never wanna sugarcoat anything that isn't honest and open for you.","start":578.845,"end":583.64496,"sentiment":"neutral","sentiment_score":0.09532661636670431},{"text":"And you're welcome to if you hear things or are unsure about markets or what's happening.","start":583.64496,"end":588.0,"sentiment":"neutral","sentiment_score":0.13001571246422827},{"text":"You're welcome to give me a call, vent it out, and we can talk us through.","start":588.0,"end":590.80005,"sentiment":"neutral","sentiment_score":0.2113519525155425},{"text":"That's what I'm here for for you as 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dramas.","start":2785.955,"end":2786.695,"sentiment":"neutral","sentiment_score":0.0614180788397789},{"text":"Awesome.","start":2787.075,"end":2787.555,"sentiment":"positive","sentiment_score":0.6195895671844482},{"text":"Thank","start":2787.555,"end":2787.795,"sentiment":"positive","sentiment_score":0.6897317171096802}],"sentiment":"positive","sentiment_score":0.35803936049342155,"channel":1,"num_words":4,"start":2785.955,"end":2787.795},{"sentences":[{"text":"Easy.","start":2787.7651,"end":2788.2651,"sentiment":"positive","sentiment_score":0.7084119915962219}],"sentiment":"positive","sentiment_score":0.7084119915962219,"channel":0,"num_words":1,"start":2787.7651,"end":2788.2651},{"sentences":[{"text":"you very much.","start":2787.795,"end":2788.695,"sentiment":"positive","sentiment_score":0.7897199789683024}],"sentiment":"positive","sentiment_score":0.7897199789683024,"channel":1,"num_words":3,"start":2787.795,"end":2788.695},{"sentences":[{"text":"My pleasure.","start":2788.965,"end":2789.605,"sentiment":"positive","sentiment_score":0.7662902176380157},{"text":"Thank you so much for your time.","start":2789.605,"end":2791.0652,"sentiment":"positive","sentiment_score":0.771722137928009},{"text":"When you do go through those documents, if you do find you have any questions, please let let me know.","start":2791.445,"end":2796.8,"sentiment":"neutral","sentiment_score":0.2921400420367718},{"text":"But, otherwise, I'll just get you to sign and return them back.","start":2796.8599,"end":2798.8599,"sentiment":"neutral","sentiment_score":0.18861308631797633},{"text":"But thank you for your time today, Scott.","start":2798.8599,"end":2800.46,"sentiment":"positive","sentiment_score":0.7076734229922295}],"sentiment":"positive","sentiment_score":0.42249348288287925,"channel":0,"num_words":49,"start":2788.965,"end":2800.46},{"sentences":[{"text":"I really appreciate that.","start":2800.46,"end":2801.8398,"sentiment":"positive","sentiment_score":0.8157323747873306}],"sentiment":"positive","sentiment_score":0.8157323747873306,"channel":0,"num_words":4,"start":2800.46,"end":2801.8398},{"sentences":[{"text":"Yep.","start":2801.54,"end":2801.86,"sentiment":"positive","sentiment_score":0.48236727714538574},{"text":"Yes.","start":2801.86,"end":2802.1802,"sentiment":"positive","sentiment_score":0.474025160074234},{"text":"And yours too.","start":2802.1802,"end":2803.24,"sentiment":"positive","sentiment_score":0.5393460790316263}],"sentiment":"positive","sentiment_score":0.5148861348628998,"channel":1,"num_words":5,"start":2801.54,"end":2803.24},{"sentences":[{"text":"Thank you.","start":2803.6829,"end":2804.4028,"sentiment":"positive","sentiment_score":0.6539134383201599},{"text":"I'll talk","start":2804.4028,"end":2804.803,"sentiment":"positive","sentiment_score":0.49080778658390045}],"sentiment":"positive","sentiment_score":0.5723606124520302,"channel":0,"num_words":4,"start":2803.6829,"end":2804.803},{"sentences":[{"text":"Awesome.","start":2804.703,"end":2805.203,"sentiment":"positive","sentiment_score":0.6432881355285645}],"sentiment":"positive","sentiment_score":0.6432881355285645,"channel":1,"num_words":1,"start":2804.703,"end":2805.203},{"sentences":[{"text":"to you soon.","start":2804.803,"end":2805.6028,"sentiment":"positive","sentiment_score":0.578864316145579},{"text":"Have a great afternoon.","start":2805.6028,"end":2806.823,"sentiment":"positive","sentiment_score":0.7349593937397003}],"sentiment":"positive","sentiment_score":0.6680615033422198,"channel":0,"num_words":7,"start":2804.803,"end":2806.823},{"sentences":[{"text":"You too.","start":2807.263,"end":2807.823,"sentiment":"positive","sentiment_score":0.488938644528389},{"text":"See you now.","start":2807.823,"end":2808.563,"sentiment":"positive","sentiment_score":0.44893654187520343}],"sentiment":"positive","sentiment_score":0.4649373829364777,"channel":1,"num_words":5,"start":2807.263,"end":2808.563},{"sentences":[{"text":"Thanks.","start":2808.483,"end":2808.803,"sentiment":"positive","sentiment_score":0.485257089138031}],"sentiment":"positive","sentiment_score":0.485257089138031,"channel":0,"num_words":1,"start":2808.483,"end":2808.803},{"sentences":[{"text":"Bye","start":2808.783,"end":2809.023,"sentiment":"neutral","sentiment_score":0.18795545399188995}],"sentiment":"neutral","sentiment_score":0.18795545399188995,"channel":1,"num_words":1,"start":2808.783,"end":2809.023},{"sentences":[{"text":"See","start":2808.803,"end":2809.043,"sentiment":"neutral","sentiment_score":0.16724203526973724}],"sentiment":"neutral","sentiment_score":0.16724203526973724,"channel":0,"num_words":1,"start":2808.803,"end":2809.043},{"sentences":[{"text":"bye.","start":2809.023,"end":2809.523,"sentiment":"neutral","sentiment_score":0.22933095693588257}],"sentiment":"neutral","sentiment_score":0.22933095693588257,"channel":1,"num_words":1,"start":2809.023,"end":2809.523},{"sentences":[{"text":"you later.","start":2809.043,"end":2809.4429,"sentiment":"neutral","sentiment_score":0.20016860961914062},{"text":"Bye.","start":2809.4429,"end":2809.9429,"sentiment":"neutral","sentiment_score":-0.11430120468139648}],"sentiment":"neutral","sentiment_score":0.09534533818562825,"channel":0,"num_words":3,"start":2809.043,"end":2809.9429}]},"summary":{"result":"success","short":"During a call with O liquor Financial, a representative discusses the risk profile of Scott's investment portfolio and suggests updating it. They also discuss the benefits of having active managers in the portfolio and offer recommendations for building an investment portfolio. The agent emphasizes the importance of being honest and open in the market and offers to review Scott's portfolio for recommendations. The agent provides information on the customer's mortgage and home value, and discusses their retirement plans and goals for the future. The agent provides advice on managing their risk profile and offers a free review of their risk profile."},"intents":{"segments":[{"text":"Is now still a good time to go through Yes. a bit of a review for you?","start_word":58,"end_word":74,"intents":[{"intent":"Schedule review","confidence_score":0.08191219}]},{"text":"have had a bit of a look at everything prior to just calling you, and I've sort of found there's some advice we can look to provide to update things as well. So this year has been a little bit up and down with the markets and everything going on. So there's Yep. a few changes I think we can make to keep things working a bit harder for you. Okay?","start_word":151,"end_word":221,"intents":[{"intent":"Update information","confidence_score":0.12148858}]},{"text":"So, Scott, just to sort of start with, we normally send through the documents to you to review with us.","start_word":368,"end_word":387,"intents":[{"intent":"Review documents","confidence_score":0.28114367}]},{"text":"few months after that, they sent out an email to say that we were reinvesting the funds when the market was going back up again. Oh, okay. Yeah.","start_word":746,"end_word":773,"intents":[{"intent":"Reinvest funds","confidence_score":0.33964723}]},{"text":"We haven't done that this year with the volatility because you do have to pick your timing, and it is a very risk risky decision to sell people out of their portfolio where there is volatility around because you may not time the market correctly. Timing the market is a very hard decision to make. In COVID, there was a lot of factors that kinda showed our directors that they needed to make that decision back then. So Yeah.","start_word":794,"end_word":872,"intents":[{"intent":"Discuss volatility","confidence_score":0.21135128}]},{"text":"You have seen Oh, some wow. growth in the portfolio. It is just a lower rate of return. So, realistically, over the past twelve months, you have only returned about a 2.06% return. Yes.","start_word":923,"end_word":956,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.30844107}]},{"text":"One of the things I do kind of like to make sure everyone is aware is that with every portfolio, there is a likelihood of a negative return. So with the growth Yeah.","start_word":998,"end_word":1030,"intents":[{"intent":"Address negative return risks","confidence_score":0.00021711146}]},{"text":"But it also sort of shows me that there are some things that we could update because you are in much of an older portfolio. And when I Yep. kinda look back to from inception, since when you came on board in 2022, you've actually had a 17.09% return overall. So your portfolio has been growing steadily, which is great, but we wanna just update the portfolio, maybe replace some underperforming investments. One of the Yeah.","start_word":1073,"end_word":1148,"intents":[{"intent":"Update portfolio","confidence_score":0.83329165}]},{"text":"So your portfolio has been growing steadily, which is great, but we wanna just update the portfolio, maybe replace some underperforming investments. One of the Yeah.","start_word":1123,"end_word":1148,"intents":[{"intent":"Replace underperforming investments","confidence_score":0.56776774}]},{"text":"So I do wanna maybe look at providing some advice for you if you're happy for me too. I wanna Yeah.","start_word":1306,"end_word":1326,"intents":[{"intent":"Provide advice","confidence_score":0.51745564}]},{"text":"definitely remove that out of the portfolio for you, replace that, and I'd love to go back.","start_word":1327,"end_word":1343,"intents":[{"intent":"Replace portfolio","confidence_score":0.15245718}]},{"text":"One of the things I kinda wanted to touch on is there are different ways to have or to build an investment portfolio.","start_word":1447,"end_word":1469,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.11934072}]},{"text":"I can look at how you invested the portfolio you're in, look at all the different options I have to invest you in other areas, look at the cost, the CGT consequences, and look at the fight next five to ten years to see what that projected outcome looks like and recommend the best option for you.","start_word":1813,"end_word":1869,"intents":[{"intent":"Recommend investment options","confidence_score":0.045928057},{"intent":"Recommend options","confidence_score":0.04128161},{"intent":"Recommend business approach","confidence_score":0.0009116119}]},{"text":"Well, I've got some great ideas on what I can do to sort of fix up your portfolio and update things for you, which is fantastic.","start_word":2125,"end_word":2150,"intents":[{"intent":"Arrange portfolio update","confidence_score":0.00029597303}]},{"text":"Well, I've got some great ideas on what I can do to sort of fix up your portfolio and update things for you, which is fantastic. We'll definitely remove some underperforming investments, and we'll look at how we can build things for you there. I like it.","start_word":2125,"end_word":2171,"intents":[{"intent":"Provide recommendations for portfolio improvement","confidence_score":0.023250282}]},{"text":"they'd have money left over and, you Yep. know, that's that's what I'd want. So Yeah. Absolutely. yeah. I mean, if we sort of look at it that there and we go to 52,000, reducing the mortgage total, I don't have any other debts noted down here. Do you have any other debts that might need to be paid out? No. No.","start_word":2853,"end_word":2914,"intents":[{"intent":"Discuss debts","confidence_score":0.013587449}]},{"text":"In income wise, I had you on a base income of around about 100 and sorry. Yeah.","start_word":2962,"end_word":2978,"intents":[{"intent":"Discuss income","confidence_score":0.05185596},{"intent":"Explain income discrepancy","confidence_score":0.0000348851}]},{"text":"In income wise, I had you on a base income of around about 100 and sorry. Yeah. $74,007.52, And I had Yeah. a Yep. note here that you were expecting about a 105,000 this last year total. Does that sound correct for your income, or what do you want at the moment?","start_word":2962,"end_word":3013,"intents":[{"intent":"Discuss income requirements","confidence_score":0.000017672573}]},{"text":"my long service leave, annual leave, all RDOs, all that sort of stuff that I had banked there. So Yep.","start_word":3060,"end_word":3079,"intents":[{"intent":"Discuss rdos","confidence_score":0.18069308},{"intent":"Discuss rdo requirements","confidence_score":0.00001809477},{"intent":"Discuss rdos","confidence_score":0.01119026},{"intent":"Discuss rdo schedule","confidence_score":0.0005220762}]},{"text":"my long service leave, annual leave, all RDOs, all that sort of stuff that I had banked there. So Yep. that's why that was up a bit higher. We've got a bit of back pay as well because they with our EBA. So I knew it was gonna be higher. But so I'm only on now 44 $40.40 an hour. So yeah.","start_word":3060,"end_word":3121,"intents":[{"intent":"Discuss rdo rates","confidence_score":0.0015321807}]},{"text":"I can absolutely work that out for you, and I'll just pop that into the calculator now. So we'll say per hour. And you just do thirty eight hours a week?","start_word":3136,"end_word":3166,"intents":[{"intent":"Calculate work hours","confidence_score":0.0005225472}]},{"text":"So just looking at that one there, it gives you essentially a gross income of around about $79,830.40 there. That's obviously base, and then there could be additional, you know, overtime and loadings and things on top of that. Does that sound right? Yeah.","start_word":3215,"end_word":3258,"intents":[{"intent":"Analyze gross income and benefits","confidence_score":0.00026076715}]},{"text":"I just thought it was the longer I wait, the less I gotta pay.","start_word":3599,"end_word":3612,"intents":[{"intent":"Decide benefit period","confidence_score":0.0005644959}]},{"text":"So the amount that you're covered for will increase a little bit each year, but it also means the cost of the premium is gonna also increase each year. So we wanna make sure we review them. And as you don't need such a high amount of insurances, we kinda reduce it back and alter it so Yeah.","start_word":4231,"end_word":4288,"intents":[{"intent":"Review insurance policies and change insurance","confidence_score":0.00012188334}]},{"text":"So as an example, if you have a a car accident or motorcycle accident, you break your back and you can never go back to being a laborer again, that will assess to see if there's any other occupation that you have been worked or trained in the past that you can that you can go back to. If your Yes.","start_word":4535,"end_word":4595,"intents":[{"intent":"Evaluate other occupations","confidence_score":0.000028475055}]},{"text":"one, but it is important to sorta have some sort of TBD cover because you Oh, just a never 100 know percent.","start_word":4625,"end_word":4646,"intents":[{"intent":"Cover tbd coverage","confidence_score":0.00028128593}]},{"text":"Now the other thing I do like to make sure everyone is aware of is that TBD is unfortunately a taxable payment. So if in the event that you were to claim on that, we can Yep. also claim and release your super. So it does mean that your gross amount that you're covered for is the same as life, a bit over $11,093,000, which is a good amount. If Yes.","start_word":4675,"end_word":4745,"intents":[{"intent":"Limit taxable payment","confidence_score":0.00561135}]},{"text":"like to make sure you're aware of is that if you were to have a claim on TBD, we, as advisers, would provide advice on how to structure the payments, whether to take a lump sum, how much of that, how to minimize the tax. There are some fun little things we can do in the back end to help lower or minimize the tax consequences and or how Yes.","start_word":4798,"end_word":4867,"intents":[{"intent":"Ensure coverage and minimize tax consequences","confidence_score":0.000004182399}]},{"text":"There are some fun little things we can do in the back end to help lower or minimize the tax consequences and or how Yes. to keep as much money invested long term and maybe draw out a smaller income stream as well. So Yes.","start_word":4843,"end_word":4887,"intents":[{"intent":"Reduce costs and draw out income stream","confidence_score":0.00004077278}]},{"text":"do you have any questions about any of those types of covers? Has anyone ever sort of, spoken to you about the different insurances that you can also hold in those areas?","start_word":5182,"end_word":5213,"intents":[{"intent":"Discuss coverage options","confidence_score":0.06859306}]},{"text":"The only other thing to sort of look at is within that email, what we've set you, we've also got our ongoing services agreement there for you, which does outline your ongoing services fee for our services. Yep.","start_word":5333,"end_word":5370,"intents":[{"intent":"Set up and review ongoing services agreement","confidence_score":0.008557719},{"intent":"Provide service agreement","confidence_score":0.4242628}]},{"text":"One of the other things I do like about our new tier structure is that we are not going to save 1.65 with an estimated.","start_word":5564,"end_word":5588,"intents":[{"intent":"Reduce tier structure","confidence_score":0.0005585545}]},{"text":"Can you amend these means at all times while a lot of firing is is occurring, please? You did well.","start_word":5626,"end_word":5645,"intents":[{"intent":"Amend means","confidence_score":0.33297914}]},{"text":"Our new fee, essentially, because it is a tier structure, we're now going to essentially calculate the total fee to be paid for the year, and it means that we're accounting for about a 5% increase or a growth in the account, essentially.","start_word":5678,"end_word":5720,"intents":[{"intent":"Calculate fee for services","confidence_score":0.004809097},{"intent":"Discuss fees and super balance","confidence_score":0.0092796665}]},{"text":"The other documents for you to run your eyes over are your nearest to view. Currently, the Vanguard index chart, which essentially just shows you how markets react over time and why we invest the way we do.","start_word":5970,"end_word":6007,"intents":[{"intent":"Discuss investments and market analysis","confidence_score":0.00001004434}]},{"text":"We get away once a year. We'd like to do it more, but we just yeah. Just finances. You know? Yeah.","start_word":6773,"end_word":6793,"intents":[{"intent":"Discuss holidays and finances","confidence_score":0.00012406796}]},{"text":"Do you have any other goals that you're looking to achieve down the track? Or I'd I'd I'd love to be self sufficient now. yep. Yeah.","start_word":7370,"end_word":7395,"intents":[{"intent":"Help with goals and budget","confidence_score":0.000040811865}]},{"text":"what I can do to help and update the Yep. Yep. advice and sorta get things working a bit harder for you. That's absolutely perfect.","start_word":7871,"end_word":7895,"intents":[{"intent":"Update yep recommendations","confidence_score":0.00012717038}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Scott. This is Dana from OKIE Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2133848667144775},{"text":"I'm great. And yourself?","start_word":14,"end_word":17,"sentiment":"positive","sentiment_score":0.5700286626815796},{"text":"You know what? I was just on the phone with my dad, and I'm like, Brisbane. Brisbane. And I looked up on my board, and I'm like, super yearly. That's why I better answer this one. No. You're absolutely fine. Is now still a good time to go through Yes. a bit of a review for you? Yep. Yes. I may get called away, but I'll I'll be able to still, yeah, Yeah. do it. That's So okay. that's Not a problem at all. I'll jump in through what I need to. If at any point you need to reschedule or come okay. back later, just let me know, and I can always finish another time. But we'll try to make it as quick and easy as possible for you. Yep. I Yep. have had a bit of a look at everything prior to just calling you, and I've sort of found there's some advice we can look to provide to update things as well. So this year has been a little bit up and down with the markets and everything going on. So there's Yep. a few changes I think we can make to keep things working a bit harder for you. Okay? Yep. Yeah. Excellent. I know I know this is my last couple days have been been getting a bit of hits, but Yeah. yeah. Yeah. No. That's okay. There's definitely some things we can do, and I've had a really good look at everything prior there. Yeah. Before Yeah. I do jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? No. Of course. Yeah.","start_word":18,"end_word":308,"sentiment":"neutral","sentiment_score":0.08956268429756165},{"text":"Beautiful.","start_word":309,"end_word":309,"sentiment":"positive","sentiment_score":0.386926531791687},{"text":"Yeah.","start_word":310,"end_word":310,"sentiment":"neutral","sentiment_score":0.27399227023124695},{"text":"Excellent.","start_word":311,"end_word":311,"sentiment":"positive","sentiment_score":0.3950411081314087},{"text":"And then just to do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yeah. It's got Andrew Burke. The 04/09/2026 Yep. 997. 5 Mhmm. Elm Avenue, Murray Bridge, South Australia 5253. Legend.","start_word":312,"end_word":361,"sentiment":"neutral","sentiment_score":0.1107140190899372},{"text":"Thank you so much for that.","start_word":362,"end_word":367,"sentiment":"positive","sentiment_score":0.8175007104873657},{"text":"So, Scott, just to sort of start with, we normally send through the documents to you to review with us. Are you able to access your emails at the moment? If you can't, it's honestly okay. It's okay. If you can't, don't don't stress. I'll run through it all, and I'll send it through you anyway so you can review it later. Yeah. I might be able to Yeah. pull it up on my laptop. But that's okay. That's We can okay. start anyway. Yeah.","start_word":368,"end_word":452,"sentiment":"neutral","sentiment_score":0.1146761029958725},{"text":"Absolutely. All good. So I have sent it through to your email there. So if you can't now, it's honestly okay. It'll be there for when you've got some time later and you're able to review them.","start_word":453,"end_word":489,"sentiment":"positive","sentiment_score":0.3787128031253814},{"text":"If Yes. you do have any questions once you have reviewed everything, please let me know. I just like to make sure you're aware that I'm open and honest with everything, and the first thing I kinda wanted to go through with you is a little bit about the market. So this year has been very up and down. The markets have had some good returns this year, but also have had some downtimes and some severe volatility. And it's something that while your balance is a little bit lower at the moment, wouldn't really notice a great deal. But as your balance increases, it does have a bit of an effect. But it does mean that with the the risk profile you're in, you're in that growth environment, which is 80% in growth assets and 20% in lower risk defensive assets. So you I are thought gonna mine feel got and changed. see volatility. Sorry. You're right. Changed. Yeah. I thought it got changed to sixty forty. Not that I can see. You're definitely still sitting in that growth asset allocation currently. Was that something that someone was gonna do for you a while ago? Yeah. Yeah. Because they rang me and told me that it was, you know, with the inflations and all that, we recommend I think it was, like, COVID ish, and I Oh, hadn't discussed, yeah. like, it going back up yet. Mhmm. Yeah. So the at COVID, they did sell and move some money into cash. And then a Yep. few months after that, they sent out an email to say that we were reinvesting the funds when the market was going back up again. Oh, okay. Yeah. But that That's was cool. yeah. Yeah. So you are you asked for, like, growth environment's absolutely Yep. fine. Yep. We haven't done that this year with the volatility because you do have to pick your timing, and it is a very risk risky decision to sell people out of their portfolio where there is volatility around because you may not time the market correctly.","start_word":490,"end_word":838,"sentiment":"neutral","sentiment_score":-0.049292680142943704},{"text":"Timing the market is a very hard decision to make.","start_word":839,"end_word":848,"sentiment":"negative","sentiment_score":-0.3845462203025818},{"text":"In COVID, there was a lot of factors that kinda showed our directors that they needed to make that decision back then. So Yeah. with Yeah. this year's volatility, just to kinda go through now, your portfolio has definitely increased. So when we have a look at your annual review last year, your balance then was sitting at $79,934.27. Your balance Yep. as of this year, you're sitting at $95,830.69. So it is good. You have seen Oh, some wow. growth in the portfolio. It is just a lower rate of return. So, realistically, over the past twelve months, you have only returned about a 2.06% return. Yes. That is a very low positive return. It is positive, but I'm honest, it is a very low return. And I definitely wanna make sure returns moving forward a little bit better than that where Mhmm. where Yeah. possible. Definitely. Yeah. One of the things I do kind of like to make sure everyone is aware is that with every portfolio, there is a likelihood of a negative return. So with the growth Yeah. environment that you're currently in, we do expect sort of one in every sort of five years to see a negative return or a lower return. So this kinda fits with the way that we sort of see the portfolio is working. But it also sort of shows me that there are some things that we could update because you are in much of an older portfolio. And when I Yep. kinda look back to from inception, since when you came on board in 2022, you've actually had a 17.09% return overall. So your portfolio has been growing steadily, which is great, but we wanna just update the portfolio, maybe replace some underperforming investments. One of the Yeah. things that we do sort of like with market volatility is that it does sort of show you what is performing, what isn't performing, and where there might be need to be some changes made. One of the things I kind of looked at was in your portfolio, you do have to bend along Australian Equities investment. This was placed in your portfolio years ago because it has performed really well long term, but just recently, they've had some underlying issues and haven't been able to perform. One of the things with having an active manager and Benelong is an active manager, so the investment manager within that fund is supposed to be trying to outperform against the market, and they haven't been able to do so. They've had some underlying issues, which is sort of what's partly holding your portfolio Yep. back at the moment because all your other investments have performed really well this year. So I do wanna maybe look at providing some advice for you if you're happy for me too. I wanna Yeah. definitely remove that out of the portfolio for you, replace that, and I'd love to go back. There's some other things while everything's working really well. I might be able to rejig the rest of the portfolio for you just sort of update things, make some changes, keep the portfolio Yeah. Yeah. working a little bit harder Yeah. for 100 you as percent well. answer that. Yeah. Yeah.","start_word":849,"end_word":1394,"sentiment":"neutral","sentiment_score":-0.023862593186398343},{"text":"Beautiful.","start_word":1395,"end_word":1395,"sentiment":"positive","sentiment_score":0.5824345946311951},{"text":"And some of the investments I'm looking at are also a little bit cheaper as well. So we might be able to reduce some of the investment fees within your portfolio for you, lower the overall cost a little bit. How does that sound?","start_word":1396,"end_word":1439,"sentiment":"neutral","sentiment_score":0.25756153057922015},{"text":"Yeah. That sounds good.","start_word":1440,"end_word":1443,"sentiment":"positive","sentiment_score":0.5375835299491882},{"text":"Yeah.","start_word":1444,"end_word":1444,"sentiment":"neutral","sentiment_score":0.32364779710769653},{"text":"Yeah? Beautiful.","start_word":1445,"end_word":1446,"sentiment":"positive","sentiment_score":0.4931579828262329},{"text":"One of the things I kinda wanted to touch on is there are different ways to have or to build an investment portfolio. One of the ways is to have active managers life span along in your portfolio. You do pay a little bit more of a premium for having those sorts of managers in your portfolio. There are other ways that are passive investments, which can be lower risk. You're not trying to outperform against the market there. When you're younger, you can take a little bit more risk and have those active managers in there, and you've got a lot of time before you can access your sofa. But it's also more down to a preference. Would you like me to look at a portfolio that keeps a little bit of active management reviewing that moving forward, or would you like to just focus on a lower cost portfolio and remove the the risk of active managers underperforming. What would you like to see? Well, like, I know I know this is gonna sound silly. Like, it's it's it's my money. I get that. Yeah. But I can't access it until I'm 60. So I'm happy to do whatever you would recommend to get me the most money by Yeah. the time And I'm look, that does not sound silly in any way, shape, or form, Scott.","start_word":1447,"end_word":1675,"sentiment":"neutral","sentiment_score":0.06992502510547638},{"text":"That's actually a really good thing to do. I'm happy to look at 60.","start_word":1676,"end_word":1689,"sentiment":"positive","sentiment_score":0.393527626991272},{"text":"all the different options for you if you like. We we do include active management and passive portfolios. I can look at the overall cost. I can look at how that's gonna affect you long term based on, you know, past performance of the investment spend. I Yep. can also look at the capital gains consequences because one of the important things to make mention for you is that your super fund, just like you, does a tax return every year. They pay Yep. income tax and capital gains tax. So whenever investments are bought and sold and investments are changed up, your super fund does have a capital gains consequence. So I can go back and do all the research for you. I can look at how you invested the portfolio you're in, look at all the different options I have to invest you in other areas, look at the cost, the CGT consequences, and look at the fight next five to ten years to see what that projected outcome looks like and recommend the best option for you. Does that sound comfortable for you? Yeah. 100%. Right. You know, Yeah. you're doing all the back Yeah. work for me. And you want me That's to keep why your business and keep yeah. you know, so yeah.","start_word":1690,"end_word":1907,"sentiment":"neutral","sentiment_score":0.11804968217780833},{"text":"So Absolutely. you're gonna do the best you can.","start_word":1908,"end_word":1916,"sentiment":"positive","sentiment_score":0.43917718529701233},{"text":"So Yeah. that's alright.","start_word":1917,"end_word":1920,"sentiment":"neutral","sentiment_score":0.2641633152961731},{"text":"Absolutely.","start_word":1921,"end_word":1921,"sentiment":"positive","sentiment_score":0.3392576575279236},{"text":"And that's really important to note too is that we are here to work in your best interest. We do also, our license under the corporations act, We're all licensed advisers, and we work under the best interest duty, which essentially means we need to be working for you and updating things for you. If ever under the best interest duty, if ever your best interest clash with that of our business, I would put you before that of our company as well. So Yes. rest assured, I I promise to look after you, be open and honest, but I'd like to sort of pride myself on the honesty aspect, making sure that when the market's not performing well, when the portfolio is down, letting you know that there is always a note that there are ups and downs in the market. So I, you know, never wanna sugarcoat anything that isn't honest and open for you. And you're welcome to if you hear things or are unsure about markets or what's happening. You're welcome to give me a call, vent it out, and we can talk us through. That's what I'm here for for you as well. Okay? Yep. Yep.","start_word":1922,"end_word":2122,"sentiment":"neutral","sentiment_score":0.14224141836166382},{"text":"Excellent. Beautiful. Well, I've got some great ideas on what I can do to sort of fix up your portfolio and update things for you, which is fantastic. We'll definitely remove some underperforming investments, and we'll look at how we can build things for you there. I like it.","start_word":2123,"end_word":2171,"sentiment":"positive","sentiment_score":0.5056349039077759},{"text":"I also can see here with your insurances. Now you've got your nearest life insurances with life, TBD, and income protection there Yes. with the sum insured of your life cover. So the way I like to phrase this is if you were to pass away today, your life insurance pays out $997,004.92, but then Yep. your super benefit is also paid out on top of that. Okay? So Yep. you've got $99,749.02 plus $95,830.69. So it's about a 1,093,000 sitting there of benefit. Yep. Just in the event of passing, what is it your wishes? Who do you want that to be paid to? What were you what's your goal around having that money paid out? What did you want it to cover? Well, pretty much to my wife so then she could pay the house out, basically.","start_word":2172,"end_word":2310,"sentiment":"neutral","sentiment_score":0.05014387721852433},{"text":"I love that. Beautiful.","start_word":2311,"end_word":2314,"sentiment":"positive","sentiment_score":0.6029329299926758},{"text":"Yep. Yeah. Yep. How much do you have And owing then on the mortgage? Sorry. So, like, so outside of that, my wife has a passport for me, god forbid, Yeah. Yeah. it would go to my kids. Okay. Yep. Yeah. But right now, yeah, just just for the wife. Because I've seen Mhmm. it so many times that, like, my family and relatives of, like, my sister or and her partner. Her partner's mom hadn't renewed Yeah. their what's his name? The the the the will and all that sort of stuff. So her her dad actually had to give her son half of his house money. Yeah. Oh, I'm You know, so that sorry. sort of stuff. Yeah. So, Yeah. like, just keep it to the wire. And Yep. if sometime I need to renew it or change it, we can do it on that yearly Yeah. basis. You know? Yeah. Absolutely. Most definitely. And I can see your beneficiary nomination here on your super is completely nominated to her. So I've got down Amy Lowry to receive a 100% of the benefit. That's correct? Yep. Yep.","start_word":2315,"end_word":2503,"sentiment":"neutral","sentiment_score":0.049726974219083786},{"text":"Beautiful. Good to hear. Excellent.","start_word":2504,"end_word":2508,"sentiment":"positive","sentiment_score":0.5064082741737366},{"text":"And how much do you have owing on the mortgage currently? I had $2.20 $2.59 last year. How much? Sorry. $2.59. Give me 2 Alright. So I'll pull it up.","start_word":2509,"end_word":2538,"sentiment":"neutral","sentiment_score":0.04213554039597511},{"text":"You're absolutely fine.","start_word":2539,"end_word":2541,"sentiment":"positive","sentiment_score":0.5106027126312256},{"text":"Accounts. 2542252. Beautiful. Do you have anything sitting in the offset account offsetting some of that? No. No. That's Nope. That's okay. so I I paid I was paying a $160 more. Yep. And then, obviously, with inflation over the last four years, Yeah. now I caught up to what I was paying. So now I've I've gotta find money from elsewhere to, you know and and Yes. the wife's no longer working either because of medical. So Oh, yeah. Yay. wow. It's a lot going on. I'm so sorry Yeah. to hear that. Good Yeah. old I know. Understandable. I'm dreading government, the letter that comes through now to tell me how mate. much my mortgage is gonna increase by. Not Yeah. fun at Well, all. so I'm I'm just lucky that mine's, you know, 250,000, not like, my brother-in-law and sister, I think their house is worth, like, 900,000. Yeah. So in the big scary thing, I'm thankful that mine's only you know, I'm not paying thousand $1,500 weekly bills. Mine's only 7 Yes. 50. So Yes. A No. 4 Understandable. 9. Absolutely. Yeah. I think most mortgages these days are very much higher than what you do have there, so a lot Yeah. of people are gonna You're be there. feeling a lot more stress. Absolutely. Yeah. Hang Perfect. Just with that life amount that you are covered for, are you fairly comfortable with that amount? It definitely pays out the mortgage and certainly leaves with pretty decent buffer there for your family. on. Yeah. Yeah. I'm happy with that. Or Yep. Beautiful. yeah. Yeah. No. Yeah. Happy. That's okay. If you ever not, you wanted to reevaluate it, you let me know. That's what I'm here to help you with. Okay? Yeah. No. I would Beautiful. pay absolutely everything off for them, and they'd be Yeah. they'd have money left over and, you Yep. know, that's that's what I'd want. So Yeah. Absolutely. yeah. I mean, if we sort of look at it that there and we go to 52,000, reducing the mortgage total, I don't have any other debts noted down here. Do you have any other debts that might need to be paid out? No. No. No. We're so That's when we last refinanced, we paid absolutely everything out. So that's why yep. I'm I'm set up, but I'm just Yeah. yeah.","start_word":2542,"end_word":2939,"sentiment":"neutral","sentiment_score":-0.009604100023288672},{"text":"We can't afford much else.","start_word":2940,"end_word":2944,"sentiment":"negative","sentiment_score":-0.4229167103767395},{"text":"No. That's Yeah. okay. That's understandable. Hopefully, it all gets a bit better for you soon. Yeah. In income wise, I had you on a base income of around about 100 and sorry. Yeah. $74,007.52, And I had Yeah. a Yep. note here that you were expecting about a 105,000 this last year total. Does that sound correct for your income, or what do you want at the moment? So last year, I earned about a 105 Yep. because of overtime and swapping contracts. Mhmm. So my old employer lost the contract for the job that I'm in, Okay. and we got we got paid out as all of our entitlements and everything. So Yep. my long service leave, annual leave, all RDOs, all that sort of stuff that I had banked there. So Yep. that's why that was up a bit higher. We've got a bit of back pay as well because they with our EBA. So I knew it was gonna be higher. But so I'm only on now 44 $40.40 an hour. So yeah. So I don't know how much that works out to me. Okay. That's okay.","start_word":2945,"end_word":3135,"sentiment":"neutral","sentiment_score":-0.03642638027667999},{"text":"I can absolutely work that out for you, and I'll just pop that into the calculator now.","start_word":3136,"end_word":3152,"sentiment":"positive","sentiment_score":0.3456127643585205},{"text":"So we'll say per hour. And you just do thirty eight hours a week? So I do hang on. Sorry. Text That's message. okay. I do forty hours a week, but two hours Mhmm. of that gets taken off or one two hours of that gets taken off for audio. So, yes, thirty Yep. thirty eight.","start_word":3153,"end_word":3208,"sentiment":"neutral","sentiment_score":0.01520889570071761},{"text":"Beautiful. Not a problem at all.","start_word":3209,"end_word":3214,"sentiment":"positive","sentiment_score":0.40267834067344666},{"text":"So just looking at that one there, it gives you essentially a gross income of around about $79,830.40 there. That's obviously base, and then there could be additional, you know, overtime and loadings and things on top of that. Does that sound right? Yeah. That that's exactly right. Yeah. So that Yep. that is absolute base. Like, I reckon Yep. hang on. I'll give you I'll pull up my Workday app, and I'll Mhmm. so I've only been with this company since February. Yep. And I I work nearly every other weekend. So Yeah. Yep. Right. Yeah. When it opens up, Yeah. pay. So so my last payslip for the period of the thirteenth to the ninth, Yeah. thirty first to the eighth to the thirteenth to the ninth, Mhmm. it Year to date from financial year was twenty twenty seven and a half before tax. Okay. Beautiful. Before tax.","start_word":3215,"end_word":3364,"sentiment":"neutral","sentiment_score":0.06526033580303192},{"text":"Excellent. Thank you so much.","start_word":3365,"end_word":3369,"sentiment":"positive","sentiment_score":0.5685763359069824},{"text":"And I'll update everything here.","start_word":3370,"end_word":3374,"sentiment":"neutral","sentiment_score":0.2738850712776184},{"text":"Beautiful. Excellent.","start_word":3375,"end_word":3376,"sentiment":"positive","sentiment_score":0.479534924030304},{"text":"Yep. So the main reason to sort of look at that is, obviously, looking at income protection. So you have a a monthly benefit that you're insured for growth of 5,599. Yep. Based on your base income, it does show you're slightly over insured. But if you're Yep. working overtime and things like that, having that extra monthly benefit does mean you could claim just slightly a little bit more without having to increase it back later down the track. Yeah. Are With you sorry? yeah. Go. Go for You're it. fine. You're fine. Yeah. So with with my base wage, we get like a a land management allowance. We get a an operator's allowance on top of that. Then we get a what was the other one? We get, like, about three three different allowances on top of our normal wage. So I Yes. roughly earn about 27 a fortnight Okay. before overtime and stuff. Yeah. Yeah. No.","start_word":3377,"end_word":3535,"sentiment":"neutral","sentiment_score":0.06070229038596153},{"text":"That's absolutely fine. So keeping your income protection at that level feels fairly appropriate for you.","start_word":3536,"end_word":3551,"sentiment":"positive","sentiment_score":0.6219866871833801},{"text":"Did you wanna look at yeah.","start_word":3552,"end_word":3557,"sentiment":"neutral","sentiment_score":0.23069652915000916},{"text":"Beautiful. Yeah.","start_word":3558,"end_word":3559,"sentiment":"positive","sentiment_score":0.5176208019256592},{"text":"Yeah. Just leaving it You like that.","start_word":3560,"end_word":3566,"sentiment":"neutral","sentiment_score":0.2625626027584076},{"text":"absolutely.","start_word":3567,"end_word":3567,"sentiment":"positive","sentiment_score":0.4628556668758392},{"text":"Now you do have a ninety day waiting and a five year benefit period. Do you understand how income protection works, what the benefit periods and waiting periods essentially stand for? I just thought it was the longer I wait, the less I gotta pay. That is absolutely true as well. Your waiting period is how long you have to be off work prior to submitting your claim. So if you are off work due to illness or injury, you've just gotta be off work for ninety days. What I Yeah. sort of suggest is if there's a point where you're off work due to illness or injury and you're pretty sure you're gonna make that waiting period, give us a call. Let us know straight away so we can let the insurer know that starts the waiting period. And then at ninety days, we can finalize and submit the claim. But in the meantime, they're getting the claims forms ready to go for you because some of them have to be filled out by your doctors as well. So Yeah. that's Yeah. just essentially what a waiting period means. It does mean in that time frame, you do have to cover expenditure through your own means by way of Yeah. savings or credit What would cards be or the extra work. Sorry. what Yeah. so, like, for instance, if I if I feel sick tomorrow, right, what Yeah. Mhmm. what would the difference be between me like, if I feel sick tomorrow and then I put that down to a month instead of having a ninety days, Mhmm. only thirty days. What would the difference be in that? Do you know? Would I have In to premium? rent No. I can yeah. find that out for you. I'm just gonna log in to the portal now because I can live quote the difference to see what that would look like for you. Yep. It's just that, you know, I don't think I'll worry about it now, but it's something to look at maybe when I get a little bit older, if you know what I mean. Yeah. Yeah. Absolutely. Okay.","start_word":3568,"end_word":3928,"sentiment":"neutral","sentiment_score":0.010025952692424822},{"text":"That's not a problem at all.","start_word":3929,"end_word":3934,"sentiment":"positive","sentiment_score":0.3381483256816864},{"text":"But there we go. I'm just loading your profile now for you. Mhmm. Approaching. Okay.","start_word":3935,"end_word":3949,"sentiment":"neutral","sentiment_score":0.1887301206588745},{"text":"Beautiful.","start_word":3950,"end_word":3950,"sentiment":"positive","sentiment_score":0.5956767797470093},{"text":"So now you've got a five year benefit period as well. Are you happy with the five year benefit period? It does just mean that you can be on a claim for up to five years in the event of something happening. Yeah.","start_word":3951,"end_word":3993,"sentiment":"neutral","sentiment_score":0.20533141493797305},{"text":"I am I'm happy Yep. with yeah. Yeah. Beautiful.","start_word":3994,"end_word":4002,"sentiment":"positive","sentiment_score":0.44009363651275635},{"text":"So Because if, you know, let's say I have a car accident and it's not my fault, well, I'm gonna get paid out for that anyway, aren't I? yeah. Yeah. Yeah. There's other things that can be claimed there. Yeah. There we go.","start_word":4003,"end_word":4045,"sentiment":"neutral","sentiment_score":0.05472691357135773},{"text":"Beautiful.","start_word":4046,"end_word":4046,"sentiment":"positive","sentiment_score":0.3881722092628479},{"text":"Sorry.","start_word":4047,"end_word":4047,"sentiment":"neutral","sentiment_score":0.2592265009880066},{"text":"It just loaded. Excellent.","start_word":4048,"end_word":4051,"sentiment":"positive","sentiment_score":0.4058384895324707},{"text":"Alright. So I'm just gonna change the waiting period from ninety days to thirty days, Yep. and it's showing me the total premium there for all the now your total premium you have on all your insurances at the moment paid out of super was $3,174.06. So if I go three one seven four point seven six. And the new premium, if you had a thirty day waiting, does increase the policy cost Yep. to a total $4,707.44. So I'm just looking at the difference. Wait. So To the house. It's about $900 Sixteen. difference total between Yeah. the It's gross not too cost bad. of the premium. Yeah. Yeah. Yeah. Not too bad. For peace of mind. Just yeah. Just increases it slightly there. But if you wanted to look at doing that, I'm absolutely fine to incorporate that for you. It does obviously increase the the cost of the policy. And these are steps policies as well. So they do go through a renewal period every year, which means that they do increase along with CPI. So the amount that you're covered for will increase a little bit each year, but it also means the cost of the premium is gonna also increase each year. So we wanna make sure we review them. And as you don't need such a high amount of insurances, we kinda reduce it back and alter it so Yeah. that it's not eating away all your super, essentially. Yeah. Yeah. Yeah. No. Yeah. I have happy to leave it at not not the ninety Yep. days from now.","start_word":4052,"end_word":4316,"sentiment":"neutral","sentiment_score":0.06265921964538547},{"text":"Beautiful.","start_word":4317,"end_word":4317,"sentiment":"positive","sentiment_score":0.5410066843032837},{"text":"But, yeah, if for any reason, I can change it later on if I Yep. feel Abs that I need to. absolutely. Not a problem at all. Now we've also got your TBD cover there, so total permanent disability cover. That essentially pays out a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity or permanent disability. Yeah. You've Is got that the same in level work of cover. or at of work? Or That's is that anything? it doesn't matter what it is. It could be inside work or outside work. The main Yeah. thing that is with these policies is that you have an any occupation definition. So it essentially means that in order to claim on the policy, you never have to be you sorry. Never can go back to work again for any occupation for which you're educated, trained, or have worked in the past. And I'm just popping Yeah. the policy in to double check that one. Mhmm. Yeah. You've got the super any definition there.","start_word":4318,"end_word":4503,"sentiment":"neutral","sentiment_score":0.08570407330989838},{"text":"Perfect.","start_word":4504,"end_word":4504,"sentiment":"positive","sentiment_score":0.3729051351547241},{"text":"So, Yep. yeah, essentially, it does it is a hard definition to claim on. It doesn't mean that something has to happen at work. It can be outside of work. So as an example, if you have a a car accident or motorcycle accident, you break your back and you can never go back to being a laborer again, that will assess to see if there's any other occupation that you have been worked or trained in the past that you can that you can go back to. If your Yes. two doctors, one being a specialist, say that he's never going back to work, then Mhmm. that can be claimed on for you. So it is a difficult Yes. one, but it is important to sorta have some sort of TBD cover because you Oh, just a never 100 know percent. what's gonna Yeah. happen. And, Yeah. like, right point, like, I ride a motorbike going from work, Yeah. so you just never know. Yeah. So Yeah. yep. Absolutely. Now the other thing I do like to make sure everyone is aware of is that TBD is unfortunately a taxable payment. So if in the event that you were to claim on that, we can Yep. also claim and release your super. So it does mean that your gross amount that you're covered for is the same as life, a bit over $11,093,000, which is a good amount. If Yes. you were to claim on that and take the full lump sum upfront, the government, unfortunately, taxes that at up to 22% depending on the age and stage Yeah.","start_word":4505,"end_word":4774,"sentiment":"neutral","sentiment_score":0.006444201590838256},{"text":"of the claim. Kinda sucks. That means the amount that you are covered for, you're not likely to receive upfront.","start_word":4775,"end_word":4794,"sentiment":"negative","sentiment_score":-0.4892268180847168},{"text":"What I Yeah. like to make sure you're aware of is that if you were to have a claim on TBD, we, as advisers, would provide advice on how to structure the payments, whether to take a lump sum, how much of that, how to minimize the tax. There are some fun little things we can do in the back end to help lower or minimize the tax consequences and or how Yes. to keep as much money invested long term and maybe draw out a smaller income stream as well. So Yes. I So that's do the just way like to make I sure yeah. I'd yeah. probably take a little lump sum to pay the house off and then take Yeah. an income stream. What? Absolutely. You know? Yeah.","start_word":4795,"end_word":4925,"sentiment":"neutral","sentiment_score":0.14743970334529877},{"text":"Beautiful.","start_word":4926,"end_word":4926,"sentiment":"positive","sentiment_score":0.3928384780883789},{"text":"Just give me two secs. Just gotta do a radio check. Yeah. You're right. MTR bravo range control radio check over. MTR bravo range MTR bravo range control. Let me turn it up to you. XCON range control radio checkover. It's gone. Range control. Radio check over. Sorry about that. No. You're absolutely fine. You've got lots of things to do. I completely Oh, understand. yeah. And I yeah. So they weren't listening to me, so I just had to send another guy off to go and tell him to pull their head out there, I guess. I love that.","start_word":4927,"end_word":5026,"sentiment":"neutral","sentiment_score":0.0023515423759818076},{"text":"Fantastic. Well, that's basically I've got a really good idea. We're happy with the life of TBD, the income protection, not wanting to make any alterations to those covers at this time.","start_word":5027,"end_word":5058,"sentiment":"positive","sentiment_score":0.4108467102050781},{"text":"Is that Yeah. That's right? right. Yeah. There's a lot Yeah. more Beautiful. than saying. There's no real point change in something that's not being an issue. Yeah. That's absolutely fine. Having a look at your circumstances here, I can see you've got one dependent, one child, was 15. I'm assuming now 16 years of age. Oh, go on, I think. Yes. Oh, wow. They grow up so fast, don't they? Oh, Oh, good. yeah. I know money is a bit tight with everything at the moment with everything you're going through. So I'm assuming you're not sort of wanting to apply for any additional insurances that might be paid out of pocket, like trauma, child trauma, things like that. You're happy No. do you have any questions about any of those types of covers? Has anyone ever sort of, spoken to you about the different insurances that you can also hold in those areas? Sort of. But I haven't really worried about it yet. Yep. Not That's really. absolutely Yeah. Yeah. fine. And That's just not don't a have problem. the money to do it anyway. Yeah. Absolutely. Not a problem. I do understand that. I'll just sort of make a note here that, you know, additional insurances, and I'm sort of looking at one of the things I wanted to sort of see was whether you were in a position to make additional contributions to sleep, but it looks like you're probably not as of yet. So I can hold, your additional contributions off and revisit that down the track. Would that be okay with you? Yeah. Yeah. Yep. Yep.","start_word":5059,"end_word":5330,"sentiment":"neutral","sentiment_score":-0.00246373366783647},{"text":"Beautiful. Excellent.","start_word":5331,"end_word":5332,"sentiment":"positive","sentiment_score":0.7777354121208191},{"text":"The only other thing to sort of look at is within that email, what we've set you, we've also got our ongoing services agreement there for you, which does outline your ongoing services fee for our services. Yep. Essentially, there has been one little change that we have made to the new agreement moving forward, and one of the things is that it's now gonna be a more of a tiered structure. So, essentially, once your super balance hits 200,000, the ongoing service fee after the balance of 200,000 is 1.65% as you have been paying down the over the last couple of years. There's no major changes there. Once your Yes. super balance hits 200,000, then the next tier comes into play. And, essentially, any you'll you know, the amount over that will only be paying 1.375. And then once your super balance hits 500,000 and then a million after that, that so it's just basically a tiered structure. So the higher your super balance goes, the lower the tier still ends up being. So Yep. the idea Yep. is that it's more structured. It's going to sort of lower the cost of your ongoing services as your super balance increases, which is great. Think of it a bit like the tax system. We have different tiers for the taxation, and this Yeah. will work exactly the same way there. One of the other things I do like about our new tier structure is that we are not going to save 1.65 with an estimated. So on your ongoing services fee agreement over the last few years, we always You're right. Excon. This is range control over. Exton Range Control over. Range control is it? Range control is it? Exton Range Control. Can you amend these means at all times while a lot of firing is is occurring, please?","start_word":5333,"end_word":5642,"sentiment":"neutral","sentiment_score":0.05446359142661095},{"text":"You did well. All good.","start_word":5643,"end_word":5647,"sentiment":"positive","sentiment_score":0.4155223071575165},{"text":"The other thing I just wanna let you know is that in the past, we've always provided an ongoing service agreement, which outlines the estimated fee for the year. Our new fee, essentially, because it is a tier structure, we're now going to essentially calculate the total fee to be paid for the year, and it means that we're accounting for about a 5% increase or a growth in the account, essentially. With the older fee, if you were getting a 20 or 30% increase, our fee was gonna go up drastically with that. Because we're now gonna oh, sorry. Work out your total fee as a dollar figure, it means that you know exactly how much you're gonna pay for our services for that year, and you won't pay anything more. So if you get a 20 or 30% increase in your super, it's not gonna continuously go up. It'll cap our services fee at what we have stipulated in the account.","start_word":5648,"end_word":5810,"sentiment":"neutral","sentiment_score":0.0673318955521642},{"text":"So it's actually gonna work out a lot better for you.","start_word":5811,"end_word":5821,"sentiment":"positive","sentiment_score":0.4826860427856446},{"text":"It's a little bit more certainty around our ongoing services fee, and it means that the higher your super balance goes, you'll drop Yep. down into the lower tier.","start_word":5822,"end_word":5850,"sentiment":"neutral","sentiment_score":0.2535739541053772},{"text":"So that'll work out to your favor down the track as well.","start_word":5851,"end_word":5862,"sentiment":"positive","sentiment_score":0.37451887130737305},{"text":"Okay? Yep. Do you have any questions about any of that? Yep. No.","start_word":5863,"end_word":5875,"sentiment":"neutral","sentiment_score":0.06830517202615738},{"text":"Sounds all pretty pretty good to me. Beautiful. Excellent.","start_word":5876,"end_word":5884,"sentiment":"positive","sentiment_score":0.4527249336242676},{"text":"We've also got in there the the Vanguard file, which Three essentially seconds. Hang outlines on. you Sorry. alright? No. You're fine. Margaret Ryan. It's Charles speaking. Hi, buddy. Yep. Sorry about that. No. You're absolutely fine. I promise I'm almost done. All No. good. No. It's okay. He he was trying to ring my phone that I was on, and I'm like, dude, I'm on the phone to sleep, but ring the ring the office. And he's like, okay. But yeah.","start_word":5885,"end_word":5966,"sentiment":"neutral","sentiment_score":0.008226769044995308},{"text":"All good.","start_word":5967,"end_word":5968,"sentiment":"positive","sentiment_score":0.33793455362319946},{"text":"Yep. The other documents for you to run your eyes over are your nearest to view. Currently, the Vanguard index chart, which essentially just shows you how markets react over time and why we invest the way we do. It shows you where the ups and downs have occurred over time, and that continuously investing long term does provide great benefits. So that's necessary to run your eyes over. We've also got in there our oh, sorry, Okey Financial Services guide, which outlines everything about who we are, what we do, how we do it, has all Yep. my licensing information there for you as a licensed adviser. It also outlines any additional services and how our ongoing service fee works. So you're welcome to run your eyes through any of those. If you do find you have any questions, you're welcome to let me know at any point in time. Okay? Okay. Yep. Do I need Once to sign you have, anything from that? Or yeah, once you have run yeah. your eyes over the documents, we'll get you to sign the ongoing services agreement, return it back just so Yep. we can continue looking after things for you and providing advice. Ongoing service fee also includes that extra advice for super as well. Yep. So yeah. Yep. Yep. That's just a DocuSign, isn't it? It is. Yeah. Absolutely. Yep. Yep.","start_word":5969,"end_word":6200,"sentiment":"neutral","sentiment_score":0.1076912618852381},{"text":"Nice and easy. Yeah. Perfect.","start_word":6201,"end_word":6205,"sentiment":"positive","sentiment_score":0.5393134355545044},{"text":"I also just wanted to update a few additional things there for you. So we've updated your mortgage on your property. What sort of value would you put on your house at the moment, your main primary residence? I'd put $2,000,000. So I I would put it somewhere between 500 and 600,000 Yep. just because that's what the people next door to us. So one sold for $4.50 about three, Yep. four years ago, but that's a really small house. And then on the other side of us, just sold for $5.70 Yep. something. Awesome. But the Yeah. only difference is that that house hasn't been touched since nineteen eighty something. And Right. the our house has been, like, smaller than theirs, but being renovated. I've put a massive shed out of that, you know, all the good stuff. Yeah. But, yeah, I I would put it between $5.50 and 600. Yeah.","start_word":6206,"end_word":6357,"sentiment":"neutral","sentiment_score":0.008711125701665878},{"text":"So Beautiful. Excellent.","start_word":6358,"end_word":6360,"sentiment":"positive","sentiment_score":0.5330044031143188},{"text":"Not a problem. I've also got your 2018 Ford Everest fully kitted out there, and asset value last year was 32,000. Do you think you'd keep that the same or alter that? That's I'll I'll I'll never get rid of it. Sorry. It's actually just sitting in the shed. I'm driving my son's car at the moment because it's just too expensive Nice. to do that. Yeah. So With yeah. you. But Yeah. yeah. While it's not getting kilometers put on it, probably because it's still only got a 160,000. So Yeah. Okay. yeah.","start_word":6361,"end_word":6454,"sentiment":"neutral","sentiment_score":-0.0031764432787895203},{"text":"Beautiful. Excellent.","start_word":6455,"end_word":6456,"sentiment":"positive","sentiment_score":0.590118408203125},{"text":"And I've got a caravan down here as well. Do you still have the caravan? What sort of caravan is it? It doesn't say. It just says caravan. Okay. How much? 17,500 value with no debt. No. We sold that one. Okay. Do you So still do you have another yes. caravan? I have another yeah. I've got a Jayco Yep. Discovery. Okay.","start_word":6457,"end_word":6519,"sentiment":"neutral","sentiment_score":0.06077943742275238},{"text":"Beautiful.","start_word":6520,"end_word":6520,"sentiment":"positive","sentiment_score":0.34773457050323486},{"text":"And what sort of value would you put on that, do you think? 25. Yep. Beautiful. Do you get out very often in it? No. No. But we've No. got we've got No. a trip planned up Yep. January. We always go away January. So with with family members, so Yep. but, yeah, planning on going up up the sea line. Yeah. So down Nice.","start_word":6521,"end_word":6585,"sentiment":"neutral","sentiment_score":0.020309068262577057},{"text":"Fantastic.","start_word":6586,"end_word":6586,"sentiment":"positive","sentiment_score":0.4376322627067566},{"text":"Victor Harbor Way. So, yeah, Yep. it should Beautiful. be good. Absolutely. Yeah. But And last then year, I've we went lost. You. oh, sorry. Yeah. Sorry. You're alright? You're good with that? Yeah. Last year, You're we went up to Lake Bonney, which is, good. Oh, like, four nice. hours away. And Yeah. so we got caught in the forty forty three, 44 degree heat for three days. Yeah. And then, so we ended up coming home as as of day two. Wow. Yeah. Because the park Wow. the caravan park kept dropping out power, and our caravan that old caravan we have was a pop top canvas, everything. So it wasn't Yeah. keeping the coolness Yep. in it of the air conditioner. And at the time, we had a French bulldog, and she was overheating. And yeah. So we just packed up and and left. It was just hot Wow. packing up, you know, about an hour and a half time to pack up instead of, yeah, three days like I'd normally do when I'm at home. Yeah. So yeah. Wow. Yeah. So yeah. We get away once a year. We'd like to do it more, but we just yeah. Just finances. You know? Yeah. Absolutely. So No. Completely understandable.","start_word":6587,"end_word":6798,"sentiment":"neutral","sentiment_score":-0.007284558729602481},{"text":"That trip sounds amazing.","start_word":6799,"end_word":6802,"sentiment":"positive","sentiment_score":0.5661525726318359},{"text":"I hope you enjoy that, and we are not far away from January. So, hopefully, no. No. the countdown's I can't on. work. If I haven't had many days off since January because we got, like, new new employers, so all of our leave and everything left. So I'm Pay that. gonna work Yeah. over Christmas this year to be able to go in Wow. January this year. So but that's okay. Yeah. It's what it is. Yeah.","start_word":6803,"end_word":6880,"sentiment":"neutral","sentiment_score":0.030487312003970143},{"text":"It'll make the holiday worthwhile, all the more Definitely. enjoyable.","start_word":6881,"end_word":6890,"sentiment":"positive","sentiment_score":0.3805724084377289},{"text":"Yes. Most definitely.","start_word":6891,"end_word":6893,"sentiment":"neutral","sentiment_score":0.23743419349193573},{"text":"Excellent.","start_word":6894,"end_word":6894,"sentiment":"positive","sentiment_score":0.40668803453445435},{"text":"I've got your motorbike down here as well with a value of 4,000 Yeah. 500 on it. What sort of value would you put on that currently, do you think? Probably $4 now. Yeah. Yep. It's it's Beautiful. getting older. So Yeah. yeah. Abs absolutely. And then I've got contents down here with a valuation of a 100,000. Would you keep that the same or alter the contents value? I think it went up, actually, but through the insurance, but I'll just keep it the same there. Yep. Beautiful. And then looking at the other estate planning side of things here, I've got down here that you don't have a will or power of attorney in place. Have you guys gone through the process or spoken to a solicitor about drawing up your own? No. No. Not yet. No. No. That's okay. Definitely on the list of things Yeah. to try and get sorted.","start_word":6895,"end_word":7048,"sentiment":"neutral","sentiment_score":0.028237343838365823},{"text":"Definitely. Absolutely. Not a problem at all.","start_word":7049,"end_word":7055,"sentiment":"positive","sentiment_score":0.4326382279396057},{"text":"And then I think that's pretty much everything. I just sort of noted here, like, with your original goals for your super, I had down that you were hoping to access super around about the age of 60. Does that still feel fairly appropriate for that A goal? 100%. Yeah. I don't wanna work now. But, you know, Yep.","start_word":7056,"end_word":7114,"sentiment":"neutral","sentiment_score":0.11594762653112411},{"text":"it's Beautiful.","start_word":7115,"end_word":7116,"sentiment":"positive","sentiment_score":0.33585408329963684},{"text":"like every other Aussie but Yeah. or any person in general. But, yeah, that that's definitely the goal because my wife, she's four years older than me. So, you know, when I hit Yeah. 60, she'll be 64. So, Yep. yeah, would like to, you know, go for holidays or whatever and not have to worry about working.","start_word":7117,"end_word":7174,"sentiment":"neutral","sentiment_score":0.189790740609169},{"text":"Absolutely. That sounds fantastic.","start_word":7175,"end_word":7178,"sentiment":"positive","sentiment_score":0.729548454284668},{"text":"We also had it noted that and, look, this could definitely change by the time you get there, but you were working on about a goal of earning $1,500 a week from so far. Is that still fairly appropriate for now knowing that could definitely change? Yeah. Yeah. Yeah. Hang on. Just a sec. You're right. Yeah, mate. My grandma is Alyssa, clearly. Well, we just got, like, 700 people that come and go at work. So there's Yeah. a lot You're here. you're It's you're and it's absolutely holiday. fine. Yeah. So yeah. Of course. But, No. yeah, 100 Not a problem. percent. That's Yeah. exactly where I wanna be roughly. Yep. Because, like, for right now like and when I hit 60, Yep. the house will be paid off. So that's so that's well, I might be 61. But, you know, when I hit 50, there's only, like, 20,000 left. You could Yep. I'll pull a bit from the server and pay it out. So you Oh, know? absolutely. Yeah.","start_word":7179,"end_word":7350,"sentiment":"neutral","sentiment_score":0.10867055505514144},{"text":"Most definitely. Perfect. Excellent. Well, I'll definitely work on the back end for your goal there for you.","start_word":7351,"end_word":7368,"sentiment":"positive","sentiment_score":0.558933675289154},{"text":"Do you have any other goals that you're looking to achieve down the track? Or I'd I'd I'd love to be self sufficient now. yep. Yeah. But no. Not Yes. nothing That's right. really. Yep. No. That's okay. Well, I mean, down the track and in the the financial services guide, it does outline other services there. So if you did need additional advice outside of the super insurance aspect, we can do so. We would just have more of a conversation. There are additional fees for advice that are outside of super, but we would look Yeah. at what you need. If it's just general advice, I can do that free of charge for you. But if there's anything else you need, you're welcome to let me know. I will talk you through it.","start_word":7369,"end_word":7503,"sentiment":"neutral","sentiment_score":0.09880836308002472},{"text":"If I can do it free of charge, I absolutely will.","start_word":7504,"end_word":7514,"sentiment":"positive","sentiment_score":0.4275781214237213},{"text":"If it's just general information, general advice, absolutely. If it's something more personal you're looking to achieve, we'll work out what it is, work in your best interest, and help to provide the personal advice in relation to that for you.","start_word":7515,"end_word":7555,"sentiment":"neutral","sentiment_score":0.2797078490257263},{"text":"So we are definitely here to help in all aspects of your life as much as we definitely can.","start_word":7556,"end_word":7574,"sentiment":"positive","sentiment_score":0.521207869052887},{"text":"So but for this one, I'll work on getting your super working a bit harder. We'll swap some things out and update your portfolio for you to see if we can get it working a bit harder for you and hopefully reduce some of those costs involved. Okay? Yep. No dramas.","start_word":7575,"end_word":7625,"sentiment":"neutral","sentiment_score":0.10611902177333832},{"text":"Excellent. Beautiful.","start_word":7626,"end_word":7627,"sentiment":"positive","sentiment_score":0.539643406867981},{"text":"Yeah. The That's what last I'm thing saying.","start_word":7628,"end_word":7635,"sentiment":"neutral","sentiment_score":0.1356256902217865},{"text":"here is excellent.","start_word":7636,"end_word":7638,"sentiment":"positive","sentiment_score":0.365174412727356},{"text":"The last thing I just wanna check is your risk profile. So if you are in that growth environment, as I sort of mentioned, with your time horizon towards your goal age, you have about twenty one years before accessing super currently. The growth portfolio does suit someone who has at least six years before accessing their super there. It technically, as I mentioned, does expect a negative return to the one in every five years. We want the best returns we possibly can out of our super. But when we think about compounding annual returns, we're expecting around about a seven to 9% average from this portfolio. And then when we think about volatility, anything under 7% is obviously a lower rate of return underperformance, but they also could be because of external market activities there. Are you still fairly comfortable being in that kind of environment? Did you wanna Yeah. kinda go through a risk profile and review that at all, or are you still fairly No. I'm still fairly happy. happy Like, it's you know, like there? you Yep. were saying, it's not really that like, you know, if I had have had $2.03, maybe even $500,000 sitting there, it might be a different story. But Yeah. I haven't even got a 100, so let's We do it. wanna get you up there. Absolutely. Yeah. Well, I'll see Yeah. what I can do to help and update the Yep. Yep. advice and sorta get things working a bit harder for you.","start_word":7639,"end_word":7892,"sentiment":"neutral","sentiment_score":-0.03036009506725772},{"text":"That's absolutely perfect.","start_word":7893,"end_word":7895,"sentiment":"positive","sentiment_score":0.6907515525817871},{"text":"What I would like to probably do now before I let you go is just to rebook you in to have your advice presented in the next couple of weeks there. Yep. It takes us a few weeks to kinda get everything completed and the research Yep. sorted for you. Would you be available for a booking from, say, Monday, October 19 at all? Yep. And what sort of time generally fits you better to run through the updated advice? Morning, afternoon? Yes. About the same time as today, Like, say 02:00. No. It won't be 02:00 your time. It will be 01:30 your time, Yep. but 02:30 Yep. my time. Yes. So 02:30 South Australia time suits Yep. you the best. Yep. Yep. Absolutely. Not a problem at all. Well, I do have availability for you essentially. If I just go back. Sorry. I've lost my date. The Tuesday is available. Is that okay if I book it in then? The Tuesday, nineteenth. Yeah. The Tuesday, the Yep. twentieth. Sorry. Oh, twentieth. Sorry. Yeah. Yeah. Yep. No. Yeah. That's fine. Yeah.","start_word":7896,"end_word":8077,"sentiment":"neutral","sentiment_score":0.050313688814640045},{"text":"Beautiful. I'll book it in there.","start_word":8078,"end_word":8083,"sentiment":"positive","sentiment_score":0.37453362345695496},{"text":"Yep. So it'll be 02:30 South Australia time there for you on Tuesday, the twentieth. I'll add a text message reminder so it sends you a message two hours prior. And then if anything Yeah.","start_word":8084,"end_word":8118,"sentiment":"neutral","sentiment_score":0.0660452310528074},{"text":"Awesome.","start_word":8119,"end_word":8119,"sentiment":"positive","sentiment_score":0.4357758164405823},{"text":"comes up, you can let us know, but we'll Yep.","start_word":8120,"end_word":8129,"sentiment":"neutral","sentiment_score":0.24717868864536283},{"text":"look to have that ready to go for you then.","start_word":8130,"end_word":8139,"sentiment":"positive","sentiment_score":0.4136447310447693},{"text":"Okay? No dramas.","start_word":8140,"end_word":8142,"sentiment":"neutral","sentiment_score":0.08417060226202011},{"text":"Awesome. Thank Easy. you very much. My pleasure. Thank you so much for your time.","start_word":8143,"end_word":8157,"sentiment":"positive","sentiment_score":0.7479483485221863},{"text":"When you do go through those documents, if you do find you have any questions, please let let me know. But, otherwise, I'll just get you to sign and return them back.","start_word":8158,"end_word":8189,"sentiment":"neutral","sentiment_score":0.24054054915905},{"text":"But thank you for your time today, Scott. I really appreciate that. Yep. Yes. And yours too. Thank you. I'll talk Awesome. to you soon. Have a great afternoon. You too. See you now. Thanks.","start_word":8190,"end_word":8224,"sentiment":"positive","sentiment_score":0.6119810938835144},{"text":"Bye See bye. you later. Bye.","start_word":8225,"end_word":8230,"sentiment":"neutral","sentiment_score":0.1928253471851349}],"average":{"sentiment":"neutral","sentiment_score":0.06857979750726982}}}}