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I had yourself booked in with Bowie to go through his annual review today. Is now still a good time there for you both? Fantastic. If it's okay, I do need to do security with you both first up. But am I on speakerphone? Is Bawi there? Can he hear me okay? Yep. Beautiful. Hi, Bawi. How are you this morning? I'm very well. Thank you. I hope it's lovely where you're both located today. Excellent. Excellent. Before I jump into the call, I do have to let you know we both, sorry, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there for you as well, I just need to do a security check on both of you. If you can please, Masik, just let me know your full name, your date of birth, and address I should have on file for Bawi. Beautiful. Thank you so much for that. And, Massey, can I just confirm your your full name as well? Beautiful. Thank you so much for that. Excellent. So, essentially, I just wanted to kind of touch base and sort of go through the annual review with you. Obviously, we do have an an external third party authority on file for yourself, Maxx, so you can sort of help Bowery along to make sure that he understands everything that we are saying and doing. It is really important that with the annual review that Bowery is the one that is able to answer the questions. So whether he lets you know what he wants to how he wants to answer and you refer back to me, that's absolutely fine. I just need to make sure that Bowie is understanding of everything that we're going through. It does look like there are some changes I would like to make to his super. I do kinda wanna look at ways to be able to boost things a bit more and sort of focus on his retirement goals a bit further down the track. So if there is anything that either of you have, any questions that either of you have or anything in-depth that you want me to kind of focus on today, please let me know in detail. As Bowie's son, I do just wanna make sure you're aware that we do act in his best interest, that we do work under the corporations acting in the best interest duties. So we are here to make sure that we're boosting his super and looking after things in in in line with his goals. And as having a an external third party authority on file, you're welcome to call me and let me know if you have third party authority on file, you're welcome to call me and let me know if you have any questions. You can't change make any changes on his behalf, but yourself and Ruth are able to call us questions and receive copies of documents as well so that, obviously, everyone is acting in in Valley's best interest, and you're able to keep track of things that way as well if you would like to. Does that make sense? Do you have any questions at all so far at all? No. Excellent. Fantastic. Well, let's sort of jump into things to start with. I do have an email to send through to you just with the details regarding the sofa. I do need to send it through to Bowery's email address. Are you able to access that? Is he able to log in to that currently? Yep. Beautiful. I've just sent it through now. It'll come through from Odoo Sign and ordana at Oakview Financial. If it doesn't come through, please do also check your junk mail. Sometimes I get directed through the junk mailbox. Oh, beautiful. Excellent. Is it nice and sunny in Coffs Harbour this morning? Oh, fantastic. It's so beautiful down there. It's one of my favorite places. I love Coffs. Yeah. It's nice and sunny. So we're in Southport on the Gold Coast, but I actually live in New South Wales. Yeah. I actually live at Tweed over the border there, so I'm a fellow New South Waleser. But it's nice and sunny, so that's good. Yeah. There we go. We're just gonna look at them first. So I will never ask you to sign anything that you have not read through. So if you press the button, it should say sign here or sign now. You press that so you can move forward through the documentation, and it just lets you view them to start with, if that makes sense. Yep. Beautiful. So now the first document you should have attached there should say summary of superannuation and insurances as of the August 24 there. Can you see that one? That's okay. You can go back if you need to. You got it. Perfect. Sorry about that. All good. So it does show the updated super balance within Netwealth and Ethical Super. So within the Netwealth Superfund, we have $75,512.20 there. When I look back at the Netwealth balance as of this time last year, the balance was around about $74,039.21. So, realistically, we haven't had a lot of growth this year. It is around a lot to do with what's been happening in the markets as a whole. But I would like to maybe look at what we can do moving forward because one of the things I sort of wanted to look at was, obviously, Bowie wanting to retire and boosting super for that. Because, realistically, based on the current balance that he does have, we're not gonna kind of have as much of a good retirement. We wanna kinda provide greater growth and boost to that. So we wanna sort of talk today a bit more about how to help you along with that. In the ethical super so the last advice document I sort of looked at, we had moved majority of the funds into Netwealth to provide greater growth and to have it invested so it was able to work harder for you. The idea of retaining back the ethical super was just to keep the income protection side of things in place. We weren't able to get new income protection for him back when we originally looked at it, so we do have or have had to retain those two super funds there. So the income protection is paid for out of the ethical super, and then we've we're holding the two funds there. Realistically, what we wanna do, if we are holding two super funds, we wanna sort of only have a minimum balance held within Ethical Super there. The main concern I sorta have with the two funds at the moment is that your balance overall is quite low, and your contributions at the moment, Bowery, they are actually going into the net wealth funds. So your ethical super is not getting any additional contributions. That is okay to keep it that way because the we've we've got an opt in in place. So we have opted into the insurances, which means if no contributions go into ethical super, we have into the insurances, which means if no contributions go into ethical super, they will still keep the income protection in place as long as there is enough money to pay for the premiums there. But I think what I'd like to do today with you both is really talk about the level of insurances that you have that you need, and really look at what what we can do moving forward. Because, realistically, for your agent's age, your balance is a lot lower than where I realistically like it to be. And moving forward, in order to make super work as hard as possible and to give you the best possible retirement, we need to kind of get more money into super and be able to make it work a bit harder for you. Does that make sense? And do you have questions so far? Yes. Sorry. All good. Beautiful. Is there any questions that have come up so far from any of you? He does. Yes. So we have the Netwealth Fund there with the 75,000, and we've still got the Ethical Super, which used to be Christian Super. And that's currently retaining the 14,000, and that's where the the income protection policy is paid from. Yeah. So we weren't weren't able to get income protection back when he did come on board as a client. So it was opted to retain the income protection he had. The main sort of purpose to having income protection is that it covers a a portion of your income if you're unable to go to work in the short term. So as an example, if he broke a leg or something and was unable to go to work in the short term, if he was to meet the waiting period, he could claim the monthly benefits essentially to help cover a portion of his income whilst he is recuperating there. Yeah. Did you need to let Vowie know any of that? Sorry. I'm trying to go a bit slower for you. That's okay. Okay. Move to jobs. No. It's all going into the Netwealth Fund. So I do wanna keep an eye on that Ethical Super to make sure that because there's no contributions going in there, the funds are still invested, so they should still technically see growth. But if the balance in Ethical drops below the minimum or drops below the point where they won't be able to take them the premiums after the income protection, that's when that insurance will drop off or essentially expire. So we just wanna make sure that there's enough money in there to cover the insurance premiums and that ethical is looked after that way. There is it's fine for him to keep his contributions going into Netwealth. There is nothing wrong with that at all. It's just making sure that insurance stays in place if that's important to him at this point, if that makes sense. Yeah. Yeah. We can. Is yep. We yeah. No. That's a good question. We definitely can. The the only thing is the insurances. So is the income protection policy important for him to keep? Does he wanna keep that income protection policy, or is he happy to sort of cancel that? How does he feel about that? That's the one that's paid out of the ethical super. Yeah. Mhmm. So the Netwealth into the ethical super? Yep. Yep. That's okay. So we can absolutely do that. It's not a problem at all. We by doing that and look, honestly, it's completely up to you and him and how he feels. By moving it back out of Netwealth and moving it into the ethical super, it does mean that we're not really able to look after that in any way, shape, or form. So it does mean you're essentially ceasing our services as an adviser. In saying that, that's not necessarily a bad thing. We can I can still talk to you about the insurance aspect? The other thing is on the bottom there, he's also got the Clearview insurances. They are currently paid out of the Netwealth account. So he would need to also have those changed to be paid out of the the Ethical Super account. We can if he decides he wants to move everything back into the ethical super, which is honestly not a bad idea being as the balance is a little bit lower, it just means that the Clearview insurances need to be changed. They're paid out of that ethical super as well, which we can certainly help you with. It's just a form to have the premiums deducted from the other account. That's easy enough to do. He can we are not able to sort of look at the ethical super. We have limitations around how we can assist with that. However, he can sort of remain with us as an insurance only client. So we can still do reviews with you guys every year, look at what the insurance levels are, look at how it's sort of affecting a super. There are just sort of limitations on what we can do with the ethical super because we're not an adviser linked to the to that sort of super fund. We only have what's called a third party authority, which is basically the same sort of thing that you have with us. It's just basically where we can inquire, find out information. We can help and provide advice around it, but we can't make any changes to it, which does make it very difficult, especially when it comes to Bowe's situation, where, you know, we're giving him advice, but we wanna make sure it's in his best interest. At the end of the day as well, it does have to be what is right for him. So if he would prefer to have it all moved into that ethical super and keep it all consolidated, there's nothing wrong with that. One of the big things and concerns I have is that the balance is quite low currently. So having two super funds does mean he is paying more in administration fees, investment fees. So having it in one place would work out much better for him because moving forward, everything being invested in one place, you know, more money makes more money. So having it in one super fund can save him on fees and can provide a bit more of a boost to his super fund. The other side of things is adding additional contributions. Does is Bowie in a position where he can put some more money into super increase his contributions in? Is that a is that any consideration that could be made? Yes. Yep. Yep. Absolutely. What I might do, if you're comfortable with it, and I can always put you into the email if you like, is after the call, I can go back to our head of advice, our licensee. I can put forward the scenario and the conversation we've had about maybe moving moving value back into ethical super and look at, you know, how we can maybe provide a one off advice piece on, you know, how to roll back into Ethical Super, how to have the funds invested within Ethical Super. It does mean that you would, well, Bowie would need to kind of go through the process of implementing himself. So he would need to contact Ethical Super, change the investments if that's what he wants to do. We could sort of show him how to how much to put into the super fund on a regular basis. It just means that long term, we're not really able to alter the advice in any way, shape, or form. It would just be a one off kind of advice piece to sort of cement moving back into ethical super and what to do moving forward. The other option I could look at, depending on the changes to his circumstances, is I could look at a way to move him from ethical into Netwealth and see if I can consolidate things that way if he is open to doing it. I don't want this to be solely around staying as a client and being on fees. It's gotta be what's right for for him and for you guys as well. But if there was a way that I could consolidate into Netwealth, would he be open to doing that, or would he rather go back to ethical? That's okay. Yeah. Abs absolutely. Yeah. Definitely. Definitely. There is some eligibility questions that I can ask if you're comfortable with me doing that to be able to confirm whether we could maybe look at transferring his income protection policy over to Netwealth. Is he okay if I was to go through those now with you to ask those questions to see if there's eligibility to consolidate that way? Yeah. Is that way okay if I ask those couple of questions? Yep. Yep. Okay. Beautiful. So there is only six questions. I'll ask them as simply as possible. I'll ask each one, and then you're able to ask Zoe, and then we can confirm the answer. But is he currently off work or not able to perform his normal full time occupation or duties on a full time basis? So is he not able to is he currently off work or not able to perform his normal full time occupational duties? Okay. Okay. Casual. How many okay. How many okay. So full time hours. So we're still working roughly, say, thirty to thirty eight hours per week. Is that right? Okay. And that's fairly consistent every week? Okay. Beautiful. Fantastic. The next question here is, has he been off work or absent unable to perform his full time duties for in the last twelve months? So not including if he's been off sick or so has he been off work or not able to for a longer period of time, say, more than six days over the past twelve months. Yep. Beautiful. The next one here is, has he ever been diagnosed, or does he suffer from an illness that may cause inability to do his normal full time occupation? Excellent. Beautiful. Has he ever had insurance an insurance application for death, TBD, terminal illness, income protection, or accident and sickness cover ever refused? So has he ever had insurance application declined to his knowledge? No? Okay. Beautiful. Has he ever been eligible to be paid, or is he currently eligible to claim on any kind of injury or illness, workers' compensation, government benefits, or any insurance policies? Nope. That's okay. Excellent. And the last one here is, has he ever had an application for death, TPD, terminal illness, or income protection ever offered on nonstandard terms? Nope. That's okay. Look. There there is based on this questionnaire, it looks like he may be eligible to have the policy transferred into Netwealth, which means that if he wants to remain as a client of ours, and this is completely up to you guys. You it's a conversation that you may need to have as a family to work out what is important to you. I would love to keep you both keep you here and help work towards his retirement goals and boost super as much as possible, but it's gotta be right for him as well. So if there is a way to do that, I could look at how we could maybe transfer that policy from the Ethical Super Internet wealth and consolidate things that way. That means that we can still look after everything. We can still monitor the investments. And one of the biggest things between Netwealth and Ethical Super is that Netwealth has a lot more investment options, and that's why we, as advisers, like these sorts of super funds, we can alter the investments within. We can buy and sell and change portfolios because we have a wider range of investment options to choose from. Whereas within the industry funds like Ethical Super and Christian Super, you only have a very limited scope of what you're able to invest in. So there is that kind of aspect, but it's also gotta be what's comfortable. Would he like me to do the research around that and maybe update the advice documents update the advice to reflect these changes so then you can take the advice back and look at things as a whole and decide whether you would like to stay on board or whether you wanna go to ethical super. Is that an option that I might be able to undertake for you all? Yep. You and, look, there's no obligation whatsoever. So if I go into the advice document and we come back in a few weeks and we go through it together and we decide that he's not comfortable proceeding, doesn't wish to go forward with this recommendation, he is under no obligation to do so. It is absolutely fine. You can tell me that you don't wish to take it on board, and I will help move you back to ethical super. So please don't feel like there is any obligation here. I'm just wanting to look at the options and show you guys how we can help, but also make sure that the advice is within his best interest. And, you know, we're boosting super as much as possible. Because as I've kind of mentioned, the the fact that the balance is quite low means that we really need to kinda get that up, get that moving the for his retirement to be a factor. Because looking at things, does Valerie know what age he'd realistically like to stop working? I know the last conversation was that he'd work as long as he possibly can. But, realistically, what age would he like to retire? Okay. Yeah. Beautiful. Well, if we were to focus on 60, because 60 is realistically the earliest that he's able to access his super. That essentially gives him a seven year time horizon because Vowie is 53 next month. So, realistically, it's a seven year time horizon. And given the current balance we have between the two, we're looking at '85, '89 to $790,000. It's less than 100,000 so far. That would not last very long. And with the age pension aspect, you're not eligible for age pension until 67. So we'd have to find a way if he wants to retire in seven years to be able to boost super as much as possible so he can draw income between 60 to 67 and then, hopefully, get age pension access from 67 onwards, which is absolutely fine, and we can certainly help with that. But right now, we do need to do things to kinda boost his super a little bit more. Can I ask, does your mom work as well? Does she have any super to fall back on, or is Valley super the only thing you they have as a family to retire on? Okay. Beautiful. Roughly, what might her balance be? Does she know? Okay. So it's lower. Yep. That's okay. That's okay. We'll we'll do what we can to help Maui move his super higher and sorta get things rolling a little bit more here so that we can, you know, have that to rely on. I'll focus on a base age of 60, but I'll also take into account 65 and 67 within the advice piece so we can look at where we're tracking for it in the next seven years, but also then if he keeps working, what this might look like. Just you get a a kind of overall picture of the circumstances and where we're projecting out. Does that sound okay? Do you have any questions in relation to any of that? No. That's okay. All good. Good. Beautiful. Now the other thing I just wanted to touch on is with the new role. So Bowie is now working for Coffs Harbour Christian Community School. Is that right? Okay. Okay. Beautiful. Cleaner. And what kind of income is he expecting to earn this year as a casual cleaner? Okay. What is his average take home pay at the moment? Does he know? 2,500 per fortnight or per week? Per fortnight. Beautiful. Thank you so much for that. And I will just show here that is take home pay. Beautiful. And he's not currently making any salary sacrifice, so he hasn't opted to put any additional contributions to super. No. Okay. The chemicals. What sort of chem what's the harshest chemicals he might use as part of his role? Okay. No. No. That's okay. Beautiful. I'll go back and do a little bit of research around the options. But based on the questions I've got, it doesn't look too bad, but we'll go back and do a bit of additional research. If I find that we can't consolidate into Netwealth or we need to look at other options, I'll do that for you. The other thing I wanted to maybe look at doing was and, look, if this becomes too complicated, please let me know. I wanna kind of look at making it easier. I can also assess Netwealth against other super funds out there. So there are other funds that might be lower in administration fees. It might be worth that we're moving out of both ethical super and Netwealth super and into an entirely new super fund. If I recommend something like that, is he okay with me assessing all the different options and seeing where else it might be better for him to put his funds and how this might benefit him? Yep. Beautiful. I don't wanna over excellent. I don't wanna overcomplicate things for him, especially as you're interpreting things for him as well. But if there is another cheaper fund out there for it, it might be better for him to move out of those two funds wholly and move into something else. So I can look at all those additional options to see where things might work better for him if that's comfortable. We can then come back. We'll talk through the advice. You guys can take it back and read it as a family and talk it over. Ask me any questions. The all the advice we provide is valid for sixty days, so you have time to take that back to review it, to read it, and to come back and ask me additional questions if you need to do so. Does that sound okay? Yeah. Beautiful. Fantastic. The other things I just wanted to sort of touch on now, going back to that email there, underneath that, bow, he does have his ClearView life and TBD policy. Does he understand how those insurance policies work, how they pay out? Does he have any questions about the insurances within ClearView at all? He's all good. Beautiful. With the the life and TPD policy that he holds there, the sum insured is $713,006.00 4. Is he happy with that level of cover? Did he wanna review that or anything? That's all good. Beautiful. Perfect. I will if it's easier for you as well after the call, I'll do a little bit of an email recap. I can send it to Bowery as well as yourself and maybe Ruth if you'd like to as well. That way, you're all encompassed into the conversation with what we're looking to do. Advice wise, the research I'll conduct, but it also just recaps the conversation as well just so you have that in case you need it. Is that something you guys would prefer to have after the call as well? Yep. Beautiful. Fantastic. On that document there, you'll notice underneath the ClearView policy, you've got the premiums noted there. Now it does essentially show that for the year, for having his wife and TPD paid out of the Netwealth Fund, the insurer receives the top premium, the 8,255. He has actually paid 7,017 for these insurances. Essentially, when you pay these insurances out of Sufi, you do actually get a a bit of a rebate or a 15% discount on that. So that's why he's only paid the 7,017, but the insurer receives the higher amount. Does that have any does that make sense? Do you have any questions? That's okay. If you please let me know if any please let me know if there's any questions that come up, if you need me to clarify anything for yourself at all as well just to make make it sure it's all clear across the broad. Beautiful. The income protection within the ethical super is noted below that. So that is paid on a monthly basis out of the ethical super fund. That's $31 and 40 as a monthly premium, and it essentially covers him for 46,800. That would be the yearly amount. So if he was on an income protection claim, that yearly amount would be deduct be broken down to a monthly amount, essentially. Okay? Excellent. The next document out in that is the Netwealth asset performance detail report. So it does essentially show that for this year, as a whole, the portfolio has returned a positive return of 4,083 doll sorry. $4.4.83 percent. I do apologize. It is income of a bit over $3,400. So as I kinda mentioned, the return is much lower for this year. I'm not a 100% happy with the return that it has provided. Would like to see certainly more for the risk profile that he is in. However, there are years where we see a lower rate of return because markets might not be performing as well, and this year was one of those. Essentially, with seeing what happened between The US and the Iran war, but also here within Australia, which had very high inflationary rates. Those sorts of things have affected the market. So we know we we do see years of lower returns. I am happy that he has got a positive return for this year, and I do wanna kinda build on that for him. Does that make sense? And does either of you have any questions? That's okay. Beautiful. The next document in there, I believe you should see is the Vanguard index chart. That is just a bit of a guide on how markets performed. It doesn't have any kind of reflection on his super as a whole. But, essentially, with the Vanguard index chart, it shows how markets go up and down. And when we have good years, we also expect lower years as well. So it is just a bit of a guide. I won't go into it on a huge amount of detail, but do you have any questions about masters as a whole about investing or anything around the portfolio? That's okay? Beautiful. The next document you should see in there is probably the Clearview certificate certificate of currency. Can you see that document there? That that's okay. So that's the that's the financial services guide. What's the one beyond that? Yeah. Beautiful. Sorry. I'm just looking at the stuff file. I can't quite see the kinda guessing which document is the next one. Apologies. You're fine. What's the next document you can see there? Yep. Yep. Beautiful. So that's as you get a currency. It's just showing you an in-depth of the in-depth policy with the ClearView policy there a bit more detail around his cover. And if you click next, you should then see, I believe, the ongoing fee agreement. Can you see that one there at all? That's the one. Yeah. So for our services, because we're financial advisers, we are a professional service, and we provide advice for looking after his super and helping him meet his goals and working forward. In order to do our job, we do charge an ongoing service fee for doing so. Our ongoing service fee is 1.65% when the balance is less than 200,000 within super. And this is only factored into the balance within the Netwealth account there as well. We don't charge any of the fees for the ethical super balance because we're not able to we don't have any we only have an authority to inquire on that account there, so we're not able to charge any sort of fees out of that. This essentially the way it works is we charge 1.65 percent on a yearly basis, and our ongoing service fee is deducted in smaller monthly increments out of the super fund. And that allows us to continue providing our services, making sure we do regular catch ups, making sure we do the annual reviews, and also update the advice to keep the super working harder. Essentially, this document here on the first page, if you look a little bit below, one of the blue headings should be you will pay for the following ongoing service fees. It actually shows for the year, the ongoing service fee that Valley will pay to us is $1,308.25. Can you see that there? Yep. Essentially. So we make that into a fixed dollar fee. We work out how much he's expected to pay for the year based on the 1.65%. It is encompassing about 5% growth under the fund there, and he won't pay any more regardless of what happens with with the super. But we just like to disclose that, have it sitting there, letting you know that we do charge a fee. We are a professional service, and we do look after it. But there's no additional fees for the ongoing advice, like, for the next advice piece. There's no implementation cost around that. It's all encompassed into this ongoing service fee. Does that make sense? And do either of you have any questions? That all make sense? Yep. Beautiful. Essentially, once you're welcome to take this back and have a bit of a look at the documents prior to you signing them. But if that way, he does wanna retain us as his advisers to the moment in order to kind of look at the advice and do everything that I will be doing. We do ask that you sign and return that back so we can keep looking after everything for you guys. As I kinda mentioned before, once I do provide the advice to you, if you decide you no longer want our services, wanna roll back into Ethical Super, you are more than welcome to let us know that there are no locking contracts for our services, and we can cancel this anytime should you wanna cease those services and move into another fund at all. Does that make sense? And do you have any questions? That makes sense? Beautiful. Just wanna make sure that everything is nice and clear, and I'm honest and open with everything so you have all the information that you all need to be able to make an informed decision. Okay? Beautiful. Just for your preference as well, the ongoing sorry. The OP Financial Services guide that you did see a while ago, I will attach that to the email shortly as well for you with the recap and the information to be provided after the call. But that essentially runs you through everything about our services, who we are, what we do as advisers, our fee structure, and all the advice that we're able to provide to you guys as well. So if I attach that to the recast email, it means that you and Ruth will also have a copy of that document. So you guys understand who we are, what we do, and also, Vowie's well informed. Does that make sense? Yeah. Beautiful. Do you have any questions about how we do our job, how advisers work, or how advice works, or any of what we've gone through so far for yourself? You're all good. Beautiful. Excellent. Thank you so much for that. That is essentially the the audio sign there. So if that way, he's happy to do so. We just need him to sign and return those documents back. As I kinda mentioned, he is welcome to take some time to reach you that prior to signing. You're under no obligation to sign without, you know, without taking some time to think about. That's no problem at all. If he is comfortable to do so, we just get him to sign and return those documents back, and I will do the research around the advice piece for you guys. The last all good. Sorry. Sorry about that. Excellent. I just wanted to run through a couple of additional details just to update the rest of the circumstances I have here. Now the main primary residence there, we had a value last time. We were able to catch up of around 800,000. How how much what sort of value would Vowie and his wife put on put on that property now? Yep. Beautiful. Excellent. And then I also had a loan still owing on the property of around 550,000. Have they been able to reduce that loan a little bit? Yep. Yep. What's the value of the loan at the moment? Okay. Yep. Beautiful. And are they sort of hoping to have that fully paid off in the next few years for retirement, or is it a known fact they may go into retirement still having money owing on the loan? What was their goal around that property and the debt? Sorry. Try to pay off. That's okay. As soon as possible. Beautiful. Are they making extra repayments onto that to try and reduce it as fast as possible? Yep. Yep. Yep. On top. Beautiful. Fantastic. Other assets I had noted here was a car, and I do apologize. I believe it's a Toyota Hilux is what I had noted here. Do they still have that vehicle? Beautiful. And what kind of value would they put on that vehicle, do you think? Yep. Absolutely. Fantastic. And is the vehicle owned outright? There's no loans owing on the highlights? Beautiful. Excellent. Is that the only vehicle they have? Yes. That's okay. Not a problem at all. I also had contents. So I like to note contents down as an asset as well because we all have insurance to cover our contents if something was to happen to it. And if you think about your house, you tip it upside down, everything falls out. If something happened, you had to replace loads of items that could cost quite a lot of money. Do you know or do they have contents insurance on their property currently? Yep. I think I had a value last time of around about 15,000. Would that be fairly accurate still, do you think? Yes. Yep. Fantastic. And is there any other assets that we should note down? No. That's okay. When we think about sleep and the advice, would Vowie prefer to focus on paying down the mortgage currently, or would he like me or be comfortable with me making a recommendation around adding additional funds into super to provide greater growth for his retirement? Is he that's okay. Is he comfortable with me making a recommendation to basically increase contributions, maybe start salary sacrificing or adding more money into super to provide greater growth towards his retirement, or are they more sort of trying to pay the mortgage down? What's kind of more important? Okay. So I'll just look at a way to kind of provide a boost to super invest it correctly and maybe consolidate it to see where that treks over the next couple of years. Is that accurate? Yep. Beautiful. So mortgage first. Beautiful. Excellent. I will make a note that we'll focus on additional contributions down the track there as well. That is something we are probably gonna have to look at to provide additional growth and help that super grow a little bit more as well. But I'll focus on just trying to consolidate things for now and see what I can do with the the income protection policy for you guys. Okay? Excellent. Now a couple of bizarre ones I just have to update. Is Bowie technically a tax resident of any other country? Is he a tax resident of any other country? No. Beautiful. Excellent. Lovely. And is he a smoker or nonsmoker? Beautiful. And is there any kind of health issues or any changes to his health over the past twelve months there at all? No. No. Beautiful. Good to hear. And have your mom and dad got a will power of attorney in place? Have they sorta considered the estate planning side of things? No. That's okay. It is definitely something to consider and think about. It is definitely a conversation that is worth having with them around that. Obviously, you know, we help to make sure that your beneficiary nominations are in place to look after super. But, obviously, everything outside of that, your house, your cars, your, you know, your savings accounts, all your contents, things like that, family heirloom that might have been passed down through family members, making sure those sorts of things are incorporated into a will is really important. One of the things to sort of consider is that in today's day and age, about seventy percent of the population seem to pass away in test day, which essentially means that if they passed away without a will, they everything has to go through a probate process, which is a court process in order to be distributed out. So having up a will and a power of attorney in place is important to make sure that everything that they have worked hard for is directed to where they want us to go in the event of passing, if that makes sense. So it might just be a conversation that yourself and Ruth are able to have with them. And I believe all up, they've got four kids. Is that correct? Yep. Beautiful. Can I ask you to confirm with Bowie? His beneficiary nomination on his super means that if in the event that he was to pass away, essentially, he's got here that 25% is directed to, I believe, four children. Is that correct? Is that how he wanted that to be nominated? That's correct. Okay. Perfect. So if in the event that he was to pass away, he doesn't want his super benefit paid to his wife, he wants it paid out to you guys, to the four children. That's beautiful. Beautiful. And I've got Ruth yourself Annie, and I'm so sorry if I say this last name wrong. Is it Sa? Oh, I've got the four children notice. So yourself, Ruth, Annie, and I believe Sa is how I've got the last one spelled. Is that correct? Oh, okay. Perfect. So he's got 25% to her and then 20 five percent to each of the three children, so Annie, yourself, and Ruth. That sounds right? Okay. Did he wanna have that nomination updated to reflect being paid out to all his kids and his wife, or is he happy with the nomination how it is set up? Okay. Beautiful. That's absolutely fine. If you guys ever wanna have that updated, please let me know. What I will do as part of the recap email is I can note down if he's comfortable with me noting that in the email. I can note down how the beneficiary is currently set out. That way, if he wants to have that updated, he can let you guys can let us know just so you have a bit of clarity. Sometimes when you see the email after the call and it kinda breaks everything down and you see it all, it can kind of bring up additional questions and or concerns. So if there's anything that comes out of that email, please let me know. But if you're comfortable with me noting down that beneficiary nomination as it stands just so you all can review it and make sure that's comfortable, is that okay? Yep. Beautiful. Fantastic. Fantastic. Yeah. Absolutely. Fantastic. Okay. The last thing I just wanted to run through is a risk profile questionnaire. I believe we did one of these with you guys last year. So I'll go through each of the questions. If you can just relay that to him and help him decide which answer is appropriate for him at the moment, it helps us to decide how how your super should be invested, essentially. The first one here I'm looking at is, essentially, how much risk is he comfortable taking? Is he comfortable taking a lot a a higher amount of risk to get greater potential returns? Is he comfortable taking a moderate or medium amount of risk to get the best returns possible? Or is he comfortable not taking much risk in the market knowing the returns are lower than are gonna be lower because of that? Medium? Yep. Absolutely. Yep. Beautiful. How do you think you might feel if you saw your super fall by 20% over the next one to two years? So this realistically can happen because markets do go up. They do go down, and it's about making sure you're invested in a profile that you're not gonna be accessing that money or selling out of the investments in a downtime. We want you to wade through it and allow your portfolio to come back and recover. If you saw your super fall by 20% over the next one to two years, how do you think you might be feeling? Are you up to one to two years, how do you think you might be feeling? Are you optimistic, feeling like it's an investment opportunity? You might put some more money in and take advantage of that downtime. Are you maybe gonna hold and wait? Maybe call me and have a chat to me about it and see what we suggest to do, or are you a little bit nervous and maybe wanting to sell that investment to cash? How do you think you might feel? Maybe give me a call. Yes. Beautiful. That's a good answer. Excellent. The next one here is essentially asking, has he ever seen his super fall in value? I know seeing the ups and downs can make us a little bit nervous, but have you ever seen your super fall in value before, and how did that make you feel in the past? Were you feeling happy and optimistic about the investment opportunity? Are you feeling cautious, concerned, or a bit anxious? Yeah. Yeah. Yeah. If he's looked at it one day and the the value of the investment or the value of the super had dropped below hit the last time he looked at it. Yep. Yep. Okay. Beautiful. Fantastic. So I'd probably stay a bit cautious. Obviously, you're not feeling optimistic. You're not happy about it, but it's it's on the back of your mind. You know that you're not gonna sell. You know you're not retiring, but it can still have a little bit of effect and gone, oh, it did go down. Does that sound right? Am I on the right track? Yep. Beautiful. Excellent. And the last one here, it's basically asking, has he ever thought about taking out a loan in order to invest in shares or manage funds, or would you only borrow for safe property? I've already kinda ticked the box noting that you have only really ever borrowed for your main primary residence. Is that correct, or would you change that answer? Has you ever thought about borrowing to invest in any way? No. That's okay. Beautiful. Thank you so much for answering those questions there. Essentially, with the way you have scored, Bauer, you've scored as a growth investor, and that essentially means that we would see 80% of your super invested in growth investments. So think about Australian shares, international shares, precious metals like gold and silver, and then some property in there as well. The other 20% would be in low risk defensive investments like cash funds and fixed interest. Essentially, this sort of investment suits your time horizon if you're not gonna access your super in six years. So because, realistically, you're not gonna access super for at least seven years at this point, maybe longer depending on, you know, the advice and how long it takes to kind of build up to where you want it to be. Do you feel comfortable staying in this kind of environment, or does he wanna maybe reduce the risk level a little bit? Keep it the same? Yeah. Realistically, for his time horizon's a good spot to stay in. The other thing to sort of think about is with having a lower balance, we wanna kinda get more growth and make it work a bit harder. So I'll find ways to do that. Especially if we're not able to put more contributions in at the moment, then we sort of need to take on a little bit more risk there. But I'll make a point of every year when we do this annual review that we reassess this questionnaire because there will come a point where he's a little bit more nervous about the ups and downs the market does take or wants to reduce the risk level back. There might even come a point where I suggest that we should probably start reducing that risk level back, and I'll kind of point that out at that time because I don't want him to be taking more risk than he needs to. Does that all make sense? Do you have questions about any of that? That's all good pass. Beautiful. That is basically everything I needed for the annual review. So if you guys are very comfortable, I will go back and do a bit of a recap email. I'll go through what we've gone through and discussed, what advice I'm looking to provide, the areas, and just kind of a recap email. I'll have the beneficiary details in there for you to also look at and discuss. And I'll email it to Bowie, but also to yourself and to Ruth. That way, everyone gets a copy of it as his authority's on file. And if any of you have any questions, please come back and let me know. I'll also add in there for you the financial services guide so you have a copy of that to kind of run your eyes through to look at what we are as advisers, the services we provide, and how we work in his best interest. And if you have any questions, please let me know. I'm more than happy to sorta help you, and I'll get stuck into doing the research. It just takes a couple of weeks to do the research. My team will contact you, book you all back in so we can kinda go through it together. We can do it by phone or by Teams or however is preferable for you all to go through things. Does that sound okay? Has any questions come up from any of that? That's okay. No problem at all. Look. Thank you so much for your time. I really appreciate that. I just to kind of recap on the goal side of things, I'm gonna work towards the age of 60, 65, and 67 for the super side of things. I'll retain the life and TPD as it is, look at what I can do with the income protection to try and consolidate things for him. And is there any other goals or anything else that he might want to sort of note down for the future aside from paying down the mortgage? Yeah. Absolutely. Perfect. Perfect. Excellent. Thank you so much for that today. I really appreciate all of your time. I hope you all have a beautiful day, and the sun stays out for you. I hope you have a good day, Bowie. Thank thank you so much for your time. I hope you all have a wonderful day, and I'll talk to you very soon. In the meantime, I will get stuck into all this research, and we'll update the advice and go through it together. Okay? My pleasure. You too. Thank you so much, and talk to you soon. See you later. 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Okie Financial. I would say, like Hi, miss Zach. It's Dana from Okie Financial. How are you this morning? I'm very well.\n\nThank you. Thanks for asking. I had yourself booked in with Bowie to go through his annual review today. Is now still a good time there for you both? Fantastic.\n\nIf it's okay, I do need to do security with you both first up. But am I on speakerphone? Is Bawi there? Can he hear me okay? Yep.\n\nBeautiful. Hi, Bawi. How are you this morning? I'm very well. Thank you.\n\nI hope it's lovely where you're both located today. Excellent. Excellent. Before I jump into the call, I do have to let you know we both, sorry, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do a quick security check there for you as well, I just need to do a security check on both of you. If you can please, Masik, just let me know your full name, your date of birth, and address I should have on file for Bawi. Beautiful. Thank you so much for that.\n\nAnd, Massey, can I just confirm your your full name as well? Beautiful. Thank you so much for that. Excellent. So, essentially, I just wanted to kind of touch base and sort of go through the annual review with you.\n\nObviously, we do have an an external third party authority on file for yourself, Maxx, so you can sort of help Bowery along to make sure that he understands everything that we are saying and doing. It is really important that with the annual review that Bowery is the one that is able to answer the questions. So whether he lets you know what he wants to how he wants to answer and you refer back to me, that's absolutely fine. I just need to make sure that Bowie is understanding of everything that we're going through. It does look like there are some changes I would like to make to his super.\n\nI do kinda wanna look at ways to be able to boost things a bit more and sort of focus on his retirement goals a bit further down the track. So if there is anything that either of you have, any questions that either of you have or anything in-depth that you want me to kind of focus on today, please let me know in detail. As Bowie's son, I do just wanna make sure you're aware that we do act in his best interest, that we do work under the corporations acting in the best interest duties. So we are here to make sure that we're boosting his super and looking after things in in in line with his goals. And as having a an external third party authority on file, you're welcome to call me and let me know if you have third party authority on file, you're welcome to call me and let me know if you have any questions.\n\nYou can't change make any changes on his behalf, but yourself and Ruth are able to call us questions and receive copies of documents as well so that, obviously, everyone is acting in in Valley's best interest, and you're able to keep track of things that way as well if you would like to. Does that make sense? Do you have any questions at all so far at all? No. Excellent.\n\nFantastic. Well, let's sort of jump into things to start with. I do have an email to send through to you just with the details regarding the sofa. I do need to send it through to Bowery's email address. Are you able to access that?\n\nIs he able to log in to that currently? Yep. Beautiful. I've just sent it through now. It'll come through from Odoo Sign and ordana at Oakview Financial.\n\nIf it doesn't come through, please do also check your junk mail. Sometimes I get directed through the junk mailbox. Oh, beautiful. Excellent. Is it nice and sunny in Coffs Harbour this morning?\n\nOh, fantastic. It's so beautiful down there. It's one of my favorite places. I love Coffs. Yeah.\n\nIt's nice and sunny. So we're in Southport on the Gold Coast, but I actually live in New South Wales. Yeah. I actually live at Tweed over the border there, so I'm a fellow New South Waleser. But it's nice and sunny, so that's good.\n\nYeah. There we go. We're just gonna look at them first. So I will never ask you to sign anything that you have not read through. So if you press the button, it should say sign here or sign now.\n\nYou press that so you can move forward through the documentation, and it just lets you view them to start with, if that makes sense. Yep. Beautiful. So now the first document you should have attached there should say summary of superannuation and insurances as of the August 24 there. Can you see that one?\n\nThat's okay. You can go back if you need to. You got it. Perfect. Sorry about that.\n\nAll good. So it does show the updated super balance within Netwealth and Ethical Super. So within the Netwealth Superfund, we have $75,512.20 there. When I look back at the Netwealth balance as of this time last year, the balance was around about $74,039.21. So, realistically, we haven't had a lot of growth this year.\n\nIt is around a lot to do with what's been happening in the markets as a whole. But I would like to maybe look at what we can do moving forward because one of the things I sort of wanted to look at was, obviously, Bowie wanting to retire and boosting super for that. Because, realistically, based on the current balance that he does have, we're not gonna kind of have as much of a good retirement. We wanna kinda provide greater growth and boost to that. So we wanna sort of talk today a bit more about how to help you along with that.\n\nIn the ethical super so the last advice document I sort of looked at, we had moved majority of the funds into Netwealth to provide greater growth and to have it invested so it was able to work harder for you. The idea of retaining back the ethical super was just to keep the income protection side of things in place. We weren't able to get new income protection for him back when we originally looked at it, so we do have or have had to retain those two super funds there. So the income protection is paid for out of the ethical super, and then we've we're holding the two funds there. Realistically, what we wanna do, if we are holding two super funds, we wanna sort of only have a minimum balance held within Ethical Super there.\n\nThe main concern I sorta have with the two funds at the moment is that your balance overall is quite low, and your contributions at the moment, Bowery, they are actually going into the net wealth funds. So your ethical super is not getting any additional contributions. That is okay to keep it that way because the we've we've got an opt in in place. So we have opted into the insurances, which means if no contributions go into ethical super, we have into the insurances, which means if no contributions go into ethical super, they will still keep the income protection in place as long as there is enough money to pay for the premiums there. But I think what I'd like to do today with you both is really talk about the level of insurances that you have that you need, and really look at what what we can do moving forward.\n\nBecause, realistically, for your agent's age, your balance is a lot lower than where I realistically like it to be. And moving forward, in order to make super work as hard as possible and to give you the best possible retirement, we need to kind of get more money into super and be able to make it work a bit harder for you. Does that make sense? And do you have questions so far? Yes.\n\nSorry. All good. Beautiful. Is there any questions that have come up so far from any of you? He does.\n\nYes. So we have the Netwealth Fund there with the 75,000, and we've still got the Ethical Super, which used to be Christian Super. And that's currently retaining the 14,000, and that's where the the income protection policy is paid from. Yeah. So we weren't weren't able to get income protection back when he did come on board as a client.\n\nSo it was opted to retain the income protection he had. The main sort of purpose to having income protection is that it covers a a portion of your income if you're unable to go to work in the short term. So as an example, if he broke a leg or something and was unable to go to work in the short term, if he was to meet the waiting period, he could claim the monthly benefits essentially to help cover a portion of his income whilst he is recuperating there. Yeah. Did you need to let Vowie know any of that?\n\nSorry. I'm trying to go a bit slower for you. That's okay. Okay. Move to jobs.\n\nNo. It's all going into the Netwealth Fund. So I do wanna keep an eye on that Ethical Super to make sure that because there's no contributions going in there, the funds are still invested, so they should still technically see growth. But if the balance in Ethical drops below the minimum or drops below the point where they won't be able to take them the premiums after the income protection, that's when that insurance will drop off or essentially expire. So we just wanna make sure that there's enough money in there to cover the insurance premiums and that ethical is looked after that way.\n\nThere is it's fine for him to keep his contributions going into Netwealth. There is nothing wrong with that at all. It's just making sure that insurance stays in place if that's important to him at this point, if that makes sense. Yeah. Yeah.\n\nWe can. Is yep. We yeah. No. That's a good question.\n\nWe definitely can. The the only thing is the insurances. So is the income protection policy important for him to keep? Does he wanna keep that income protection policy, or is he happy to sort of cancel that? How does he feel about that?\n\nThat's the one that's paid out of the ethical super. Yeah. Mhmm. So the Netwealth into the ethical super? Yep.\n\nYep. That's okay. So we can absolutely do that. It's not a problem at all. We by doing that and look, honestly, it's completely up to you and him and how he feels.\n\nBy moving it back out of Netwealth and moving it into the ethical super, it does mean that we're not really able to look after that in any way, shape, or form. So it does mean you're essentially ceasing our services as an adviser. In saying that, that's not necessarily a bad thing. We can I can still talk to you about the insurance aspect? The other thing is on the bottom there, he's also got the Clearview insurances.\n\nThey are currently paid out of the Netwealth account. So he would need to also have those changed to be paid out of the the Ethical Super account. We can if he decides he wants to move everything back into the ethical super, which is honestly not a bad idea being as the balance is a little bit lower, it just means that the Clearview insurances need to be changed. They're paid out of that ethical super as well, which we can certainly help you with. It's just a form to have the premiums deducted from the other account.\n\nThat's easy enough to do. He can we are not able to sort of look at the ethical super. We have limitations around how we can assist with that. However, he can sort of remain with us as an insurance only client. So we can still do reviews with you guys every year, look at what the insurance levels are, look at how it's sort of affecting a super.\n\nThere are just sort of limitations on what we can do with the ethical super because we're not an adviser linked to the to that sort of super fund. We only have what's called a third party authority, which is basically the same sort of thing that you have with us. It's just basically where we can inquire, find out information. We can help and provide advice around it, but we can't make any changes to it, which does make it very difficult, especially when it comes to Bowe's situation, where, you know, we're giving him advice, but we wanna make sure it's in his best interest. At the end of the day as well, it does have to be what is right for him.\n\nSo if he would prefer to have it all moved into that ethical super and keep it all consolidated, there's nothing wrong with that. One of the big things and concerns I have is that the balance is quite low currently. So having two super funds does mean he is paying more in administration fees, investment fees. So having it in one place would work out much better for him because moving forward, everything being invested in one place, you know, more money makes more money. So having it in one super fund can save him on fees and can provide a bit more of a boost to his super fund.\n\nThe other side of things is adding additional contributions. Does is Bowie in a position where he can put some more money into super increase his contributions in? Is that a is that any consideration that could be made? Yes. Yep.\n\nYep. Absolutely. What I might do, if you're comfortable with it, and I can always put you into the email if you like, is after the call, I can go back to our head of advice, our licensee. I can put forward the scenario and the conversation we've had about maybe moving moving value back into ethical super and look at, you know, how we can maybe provide a one off advice piece on, you know, how to roll back into Ethical Super, how to have the funds invested within Ethical Super. It does mean that you would, well, Bowie would need to kind of go through the process of implementing himself.\n\nSo he would need to contact Ethical Super, change the investments if that's what he wants to do. We could sort of show him how to how much to put into the super fund on a regular basis. It just means that long term, we're not really able to alter the advice in any way, shape, or form. It would just be a one off kind of advice piece to sort of cement moving back into ethical super and what to do moving forward. The other option I could look at, depending on the changes to his circumstances, is I could look at a way to move him from ethical into Netwealth and see if I can consolidate things that way if he is open to doing it.\n\nI don't want this to be solely around staying as a client and being on fees. It's gotta be what's right for for him and for you guys as well. But if there was a way that I could consolidate into Netwealth, would he be open to doing that, or would he rather go back to ethical? That's okay. Yeah.\n\nAbs absolutely. Yeah. Definitely. Definitely. There is some eligibility questions that I can ask if you're comfortable with me doing that to be able to confirm whether we could maybe look at transferring his income protection policy over to Netwealth.\n\nIs he okay if I was to go through those now with you to ask those questions to see if there's eligibility to consolidate that way? Yeah. Is that way okay if I ask those couple of questions? Yep. Yep.\n\nOkay. Beautiful. So there is only six questions. I'll ask them as simply as possible. I'll ask each one, and then you're able to ask Zoe, and then we can confirm the answer.\n\nBut is he currently off work or not able to perform his normal full time occupation or duties on a full time basis? So is he not able to is he currently off work or not able to perform his normal full time occupational duties? Okay. Okay. Casual.\n\nHow many okay. How many okay. So full time hours. So we're still working roughly, say, thirty to thirty eight hours per week. Is that right?\n\nOkay. And that's fairly consistent every week? Okay. Beautiful. Fantastic.\n\nThe next question here is, has he been off work or absent unable to perform his full time duties for in the last twelve months? So not including if he's been off sick or so has he been off work or not able to for a longer period of time, say, more than six days over the past twelve months. Yep. Beautiful. The next one here is, has he ever been diagnosed, or does he suffer from an illness that may cause inability to do his normal full time occupation?\n\nExcellent. Beautiful. Has he ever had insurance an insurance application for death, TBD, terminal illness, income protection, or accident and sickness cover ever refused? So has he ever had insurance application declined to his knowledge? No?\n\nOkay. Beautiful. Has he ever been eligible to be paid, or is he currently eligible to claim on any kind of injury or illness, workers' compensation, government benefits, or any insurance policies? Nope. That's okay.\n\nExcellent. And the last one here is, has he ever had an application for death, TPD, terminal illness, or income protection ever offered on nonstandard terms? Nope. That's okay. Look.\n\nThere there is based on this questionnaire, it looks like he may be eligible to have the policy transferred into Netwealth, which means that if he wants to remain as a client of ours, and this is completely up to you guys. You it's a conversation that you may need to have as a family to work out what is important to you. I would love to keep you both keep you here and help work towards his retirement goals and boost super as much as possible, but it's gotta be right for him as well. So if there is a way to do that, I could look at how we could maybe transfer that policy from the Ethical Super Internet wealth and consolidate things that way. That means that we can still look after everything.\n\nWe can still monitor the investments. And one of the biggest things between Netwealth and Ethical Super is that Netwealth has a lot more investment options, and that's why we, as advisers, like these sorts of super funds, we can alter the investments within. We can buy and sell and change portfolios because we have a wider range of investment options to choose from. Whereas within the industry funds like Ethical Super and Christian Super, you only have a very limited scope of what you're able to invest in. So there is that kind of aspect, but it's also gotta be what's comfortable.\n\nWould he like me to do the research around that and maybe update the advice documents update the advice to reflect these changes so then you can take the advice back and look at things as a whole and decide whether you would like to stay on board or whether you wanna go to ethical super. Is that an option that I might be able to undertake for you all? Yep. You and, look, there's no obligation whatsoever. So if I go into the advice document and we come back in a few weeks and we go through it together and we decide that he's not comfortable proceeding, doesn't wish to go forward with this recommendation, he is under no obligation to do so.\n\nIt is absolutely fine. You can tell me that you don't wish to take it on board, and I will help move you back to ethical super. So please don't feel like there is any obligation here. I'm just wanting to look at the options and show you guys how we can help, but also make sure that the advice is within his best interest. And, you know, we're boosting super as much as possible.\n\nBecause as I've kind of mentioned, the the fact that the balance is quite low means that we really need to kinda get that up, get that moving the for his retirement to be a factor. Because looking at things, does Valerie know what age he'd realistically like to stop working? I know the last conversation was that he'd work as long as he possibly can. But, realistically, what age would he like to retire? Okay.\n\nYeah. Beautiful. Well, if we were to focus on 60, because 60 is realistically the earliest that he's able to access his super. That essentially gives him a seven year time horizon because Vowie is 53 next month. So, realistically, it's a seven year time horizon.\n\nAnd given the current balance we have between the two, we're looking at '85, '89 to $790,000. It's less than 100,000 so far. That would not last very long. And with the age pension aspect, you're not eligible for age pension until 67. So we'd have to find a way if he wants to retire in seven years to be able to boost super as much as possible so he can draw income between 60 to 67 and then, hopefully, get age pension access from 67 onwards, which is absolutely fine, and we can certainly help with that.\n\nBut right now, we do need to do things to kinda boost his super a little bit more. Can I ask, does your mom work as well? Does she have any super to fall back on, or is Valley super the only thing you they have as a family to retire on? Okay. Beautiful.\n\nRoughly, what might her balance be? Does she know? Okay. So it's lower. Yep.\n\nThat's okay. That's okay. We'll we'll do what we can to help Maui move his super higher and sorta get things rolling a little bit more here so that we can, you know, have that to rely on. I'll focus on a base age of 60, but I'll also take into account 65 and 67 within the advice piece so we can look at where we're tracking for it in the next seven years, but also then if he keeps working, what this might look like. Just you get a a kind of overall picture of the circumstances and where we're projecting out.\n\nDoes that sound okay? Do you have any questions in relation to any of that? No. That's okay. All good.\n\nGood. Beautiful. Now the other thing I just wanted to touch on is with the new role. So Bowie is now working for Coffs Harbour Christian Community School. Is that right?\n\nOkay. Okay. Beautiful. Cleaner. And what kind of income is he expecting to earn this year as a casual cleaner?\n\nOkay. What is his average take home pay at the moment? Does he know? 2,500 per fortnight or per week? Per fortnight.\n\nBeautiful. Thank you so much for that. And I will just show here that is take home pay. Beautiful. And he's not currently making any salary sacrifice, so he hasn't opted to put any additional contributions to super.\n\nNo. Okay. The chemicals. What sort of chem what's the harshest chemicals he might use as part of his role? Okay.\n\nNo. No. That's okay. Beautiful. I'll go back and do a little bit of research around the options.\n\nBut based on the questions I've got, it doesn't look too bad, but we'll go back and do a bit of additional research. If I find that we can't consolidate into Netwealth or we need to look at other options, I'll do that for you. The other thing I wanted to maybe look at doing was and, look, if this becomes too complicated, please let me know. I wanna kind of look at making it easier. I can also assess Netwealth against other super funds out there.\n\nSo there are other funds that might be lower in administration fees. It might be worth that we're moving out of both ethical super and Netwealth super and into an entirely new super fund. If I recommend something like that, is he okay with me assessing all the different options and seeing where else it might be better for him to put his funds and how this might benefit him? Yep. Beautiful.\n\nI don't wanna over excellent. I don't wanna overcomplicate things for him, especially as you're interpreting things for him as well. But if there is another cheaper fund out there for it, it might be better for him to move out of those two funds wholly and move into something else. So I can look at all those additional options to see where things might work better for him if that's comfortable. We can then come back.\n\nWe'll talk through the advice. You guys can take it back and read it as a family and talk it over. Ask me any questions. The all the advice we provide is valid for sixty days, so you have time to take that back to review it, to read it, and to come back and ask me additional questions if you need to do so. Does that sound okay?\n\nYeah. Beautiful. Fantastic. The other things I just wanted to sort of touch on now, going back to that email there, underneath that, bow, he does have his ClearView life and TBD policy. Does he understand how those insurance policies work, how they pay out?\n\nDoes he have any questions about the insurances within ClearView at all? He's all good. Beautiful. With the the life and TPD policy that he holds there, the sum insured is $713,006.00 4. Is he happy with that level of cover?\n\nDid he wanna review that or anything? That's all good. Beautiful. Perfect. I will if it's easier for you as well after the call, I'll do a little bit of an email recap.\n\nI can send it to Bowery as well as yourself and maybe Ruth if you'd like to as well. That way, you're all encompassed into the conversation with what we're looking to do. Advice wise, the research I'll conduct, but it also just recaps the conversation as well just so you have that in case you need it. Is that something you guys would prefer to have after the call as well? Yep.\n\nBeautiful. Fantastic. On that document there, you'll notice underneath the ClearView policy, you've got the premiums noted there. Now it does essentially show that for the year, for having his wife and TPD paid out of the Netwealth Fund, the insurer receives the top premium, the 8,255. He has actually paid 7,017 for these insurances.\n\nEssentially, when you pay these insurances out of Sufi, you do actually get a a bit of a rebate or a 15% discount on that. So that's why he's only paid the 7,017, but the insurer receives the higher amount. Does that have any does that make sense? Do you have any questions? That's okay.\n\nIf you please let me know if any please let me know if there's any questions that come up, if you need me to clarify anything for yourself at all as well just to make make it sure it's all clear across the broad. Beautiful. The income protection within the ethical super is noted below that. So that is paid on a monthly basis out of the ethical super fund. That's $31 and 40 as a monthly premium, and it essentially covers him for 46,800.\n\nThat would be the yearly amount. So if he was on an income protection claim, that yearly amount would be deduct be broken down to a monthly amount, essentially. Okay? Excellent. The next document out in that is the Netwealth asset performance detail report.\n\nSo it does essentially show that for this year, as a whole, the portfolio has returned a positive return of 4,083 doll sorry. $4.4.83 percent. I do apologize. It is income of a bit over $3,400. So as I kinda mentioned, the return is much lower for this year.\n\nI'm not a 100% happy with the return that it has provided. Would like to see certainly more for the risk profile that he is in. However, there are years where we see a lower rate of return because markets might not be performing as well, and this year was one of those. Essentially, with seeing what happened between The US and the Iran war, but also here within Australia, which had very high inflationary rates. Those sorts of things have affected the market.\n\nSo we know we we do see years of lower returns. I am happy that he has got a positive return for this year, and I do wanna kinda build on that for him. Does that make sense? And does either of you have any questions? That's okay.\n\nBeautiful. The next document in there, I believe you should see is the Vanguard index chart. That is just a bit of a guide on how markets performed. It doesn't have any kind of reflection on his super as a whole. But, essentially, with the Vanguard index chart, it shows how markets go up and down.\n\nAnd when we have good years, we also expect lower years as well. So it is just a bit of a guide. I won't go into it on a huge amount of detail, but do you have any questions about masters as a whole about investing or anything around the portfolio? That's okay? Beautiful.\n\nThe next document you should see in there is probably the Clearview certificate certificate of currency. Can you see that document there? That that's okay. So that's the that's the financial services guide. What's the one beyond that?\n\nYeah. Beautiful. Sorry. I'm just looking at the stuff file. I can't quite see the kinda guessing which document is the next one.\n\nApologies. You're fine. What's the next document you can see there? Yep. Yep.\n\nBeautiful. So that's as you get a currency. It's just showing you an in-depth of the in-depth policy with the ClearView policy there a bit more detail around his cover. And if you click next, you should then see, I believe, the ongoing fee agreement. Can you see that one there at all?\n\nThat's the one. Yeah. So for our services, because we're financial advisers, we are a professional service, and we provide advice for looking after his super and helping him meet his goals and working forward. In order to do our job, we do charge an ongoing service fee for doing so. Our ongoing service fee is 1.65% when the balance is less than 200,000 within super.\n\nAnd this is only factored into the balance within the Netwealth account there as well. We don't charge any of the fees for the ethical super balance because we're not able to we don't have any we only have an authority to inquire on that account there, so we're not able to charge any sort of fees out of that. This essentially the way it works is we charge 1.65 percent on a yearly basis, and our ongoing service fee is deducted in smaller monthly increments out of the super fund. And that allows us to continue providing our services, making sure we do regular catch ups, making sure we do the annual reviews, and also update the advice to keep the super working harder. Essentially, this document here on the first page, if you look a little bit below, one of the blue headings should be you will pay for the following ongoing service fees.\n\nIt actually shows for the year, the ongoing service fee that Valley will pay to us is $1,308.25. Can you see that there? Yep. Essentially. So we make that into a fixed dollar fee.\n\nWe work out how much he's expected to pay for the year based on the 1.65%. It is encompassing about 5% growth under the fund there, and he won't pay any more regardless of what happens with with the super. But we just like to disclose that, have it sitting there, letting you know that we do charge a fee. We are a professional service, and we do look after it. But there's no additional fees for the ongoing advice, like, for the next advice piece.\n\nThere's no implementation cost around that. It's all encompassed into this ongoing service fee. Does that make sense? And do either of you have any questions? That all make sense?\n\nYep. Beautiful. Essentially, once you're welcome to take this back and have a bit of a look at the documents prior to you signing them. But if that way, he does wanna retain us as his advisers to the moment in order to kind of look at the advice and do everything that I will be doing. We do ask that you sign and return that back so we can keep looking after everything for you guys.\n\nAs I kinda mentioned before, once I do provide the advice to you, if you decide you no longer want our services, wanna roll back into Ethical Super, you are more than welcome to let us know that there are no locking contracts for our services, and we can cancel this anytime should you wanna cease those services and move into another fund at all. Does that make sense? And do you have any questions? That makes sense? Beautiful.\n\nJust wanna make sure that everything is nice and clear, and I'm honest and open with everything so you have all the information that you all need to be able to make an informed decision. Okay? Beautiful. Just for your preference as well, the ongoing sorry. The OP Financial Services guide that you did see a while ago, I will attach that to the email shortly as well for you with the recap and the information to be provided after the call.\n\nBut that essentially runs you through everything about our services, who we are, what we do as advisers, our fee structure, and all the advice that we're able to provide to you guys as well. So if I attach that to the recast email, it means that you and Ruth will also have a copy of that document. So you guys understand who we are, what we do, and also, Vowie's well informed. Does that make sense? Yeah.\n\nBeautiful. Do you have any questions about how we do our job, how advisers work, or how advice works, or any of what we've gone through so far for yourself? You're all good. Beautiful. Excellent.\n\nThank you so much for that. That is essentially the the audio sign there. So if that way, he's happy to do so. We just need him to sign and return those documents back. As I kinda mentioned, he is welcome to take some time to reach you that prior to signing.\n\nYou're under no obligation to sign without, you know, without taking some time to think about. That's no problem at all. If he is comfortable to do so, we just get him to sign and return those documents back, and I will do the research around the advice piece for you guys. The last all good. Sorry.\n\nSorry about that. Excellent. I just wanted to run through a couple of additional details just to update the rest of the circumstances I have here. Now the main primary residence there, we had a value last time. We were able to catch up of around 800,000.\n\nHow how much what sort of value would Vowie and his wife put on put on that property now? Yep. Beautiful. Excellent. And then I also had a loan still owing on the property of around 550,000.\n\nHave they been able to reduce that loan a little bit? Yep. Yep. What's the value of the loan at the moment? Okay.\n\nYep. Beautiful. And are they sort of hoping to have that fully paid off in the next few years for retirement, or is it a known fact they may go into retirement still having money owing on the loan? What was their goal around that property and the debt? Sorry.\n\nTry to pay off. That's okay. As soon as possible. Beautiful. Are they making extra repayments onto that to try and reduce it as fast as possible?\n\nYep. Yep. Yep. On top. Beautiful.\n\nFantastic. Other assets I had noted here was a car, and I do apologize. I believe it's a Toyota Hilux is what I had noted here. Do they still have that vehicle? Beautiful.\n\nAnd what kind of value would they put on that vehicle, do you think? Yep. Absolutely. Fantastic. And is the vehicle owned outright?\n\nThere's no loans owing on the highlights? Beautiful. Excellent. Is that the only vehicle they have? Yes.\n\nThat's okay. Not a problem at all. I also had contents. So I like to note contents down as an asset as well because we all have insurance to cover our contents if something was to happen to it. And if you think about your house, you tip it upside down, everything falls out.\n\nIf something happened, you had to replace loads of items that could cost quite a lot of money. Do you know or do they have contents insurance on their property currently? Yep. I think I had a value last time of around about 15,000. Would that be fairly accurate still, do you think?\n\nYes. Yep. Fantastic. And is there any other assets that we should note down? No.\n\nThat's okay. When we think about sleep and the advice, would Vowie prefer to focus on paying down the mortgage currently, or would he like me or be comfortable with me making a recommendation around adding additional funds into super to provide greater growth for his retirement? Is he that's okay. Is he comfortable with me making a recommendation to basically increase contributions, maybe start salary sacrificing or adding more money into super to provide greater growth towards his retirement, or are they more sort of trying to pay the mortgage down? What's kind of more important?\n\nOkay. So I'll just look at a way to kind of provide a boost to super invest it correctly and maybe consolidate it to see where that treks over the next couple of years. Is that accurate? Yep. Beautiful.\n\nSo mortgage first. Beautiful. Excellent. I will make a note that we'll focus on additional contributions down the track there as well. That is something we are probably gonna have to look at to provide additional growth and help that super grow a little bit more as well.\n\nBut I'll focus on just trying to consolidate things for now and see what I can do with the the income protection policy for you guys. Okay? Excellent. Now a couple of bizarre ones I just have to update. Is Bowie technically a tax resident of any other country?\n\nIs he a tax resident of any other country? No. Beautiful. Excellent. Lovely.\n\nAnd is he a smoker or nonsmoker? Beautiful. And is there any kind of health issues or any changes to his health over the past twelve months there at all? No. No.\n\nBeautiful. Good to hear. And have your mom and dad got a will power of attorney in place? Have they sorta considered the estate planning side of things? No.\n\nThat's okay. It is definitely something to consider and think about. It is definitely a conversation that is worth having with them around that. Obviously, you know, we help to make sure that your beneficiary nominations are in place to look after super. But, obviously, everything outside of that, your house, your cars, your, you know, your savings accounts, all your contents, things like that, family heirloom that might have been passed down through family members, making sure those sorts of things are incorporated into a will is really important.\n\nOne of the things to sort of consider is that in today's day and age, about seventy percent of the population seem to pass away in test day, which essentially means that if they passed away without a will, they everything has to go through a probate process, which is a court process in order to be distributed out. So having up a will and a power of attorney in place is important to make sure that everything that they have worked hard for is directed to where they want us to go in the event of passing, if that makes sense. So it might just be a conversation that yourself and Ruth are able to have with them. And I believe all up, they've got four kids. Is that correct?\n\nYep. Beautiful. Can I ask you to confirm with Bowie? His beneficiary nomination on his super means that if in the event that he was to pass away, essentially, he's got here that 25% is directed to, I believe, four children. Is that correct?\n\nIs that how he wanted that to be nominated? That's correct. Okay. Perfect. So if in the event that he was to pass away, he doesn't want his super benefit paid to his wife, he wants it paid out to you guys, to the four children.\n\nThat's beautiful. Beautiful. And I've got Ruth yourself Annie, and I'm so sorry if I say this last name wrong. Is it Sa? Oh, I've got the four children notice.\n\nSo yourself, Ruth, Annie, and I believe Sa is how I've got the last one spelled. Is that correct? Oh, okay. Perfect. So he's got 25% to her and then 20 five percent to each of the three children, so Annie, yourself, and Ruth.\n\nThat sounds right? Okay. Did he wanna have that nomination updated to reflect being paid out to all his kids and his wife, or is he happy with the nomination how it is set up? Okay. Beautiful.\n\nThat's absolutely fine. If you guys ever wanna have that updated, please let me know. What I will do as part of the recap email is I can note down if he's comfortable with me noting that in the email. I can note down how the beneficiary is currently set out. That way, if he wants to have that updated, he can let you guys can let us know just so you have a bit of clarity.\n\nSometimes when you see the email after the call and it kinda breaks everything down and you see it all, it can kind of bring up additional questions and or concerns. So if there's anything that comes out of that email, please let me know. But if you're comfortable with me noting down that beneficiary nomination as it stands just so you all can review it and make sure that's comfortable, is that okay? Yep. Beautiful.\n\nFantastic. Fantastic. Yeah. Absolutely. Fantastic.\n\nOkay. The last thing I just wanted to run through is a risk profile questionnaire. I believe we did one of these with you guys last year. So I'll go through each of the questions. If you can just relay that to him and help him decide which answer is appropriate for him at the moment, it helps us to decide how how your super should be invested, essentially.\n\nThe first one here I'm looking at is, essentially, how much risk is he comfortable taking? Is he comfortable taking a lot a a higher amount of risk to get greater potential returns? Is he comfortable taking a moderate or medium amount of risk to get the best returns possible? Or is he comfortable not taking much risk in the market knowing the returns are lower than are gonna be lower because of that? Medium?\n\nYep. Absolutely. Yep. Beautiful. How do you think you might feel if you saw your super fall by 20% over the next one to two years?\n\nSo this realistically can happen because markets do go up. They do go down, and it's about making sure you're invested in a profile that you're not gonna be accessing that money or selling out of the investments in a downtime. We want you to wade through it and allow your portfolio to come back and recover. If you saw your super fall by 20% over the next one to two years, how do you think you might be feeling? Are you up to one to two years, how do you think you might be feeling?\n\nAre you optimistic, feeling like it's an investment opportunity? You might put some more money in and take advantage of that downtime. Are you maybe gonna hold and wait? Maybe call me and have a chat to me about it and see what we suggest to do, or are you a little bit nervous and maybe wanting to sell that investment to cash? How do you think you might feel?\n\nMaybe give me a call. Yes. Beautiful. That's a good answer. Excellent.\n\nThe next one here is essentially asking, has he ever seen his super fall in value? I know seeing the ups and downs can make us a little bit nervous, but have you ever seen your super fall in value before, and how did that make you feel in the past? Were you feeling happy and optimistic about the investment opportunity? Are you feeling cautious, concerned, or a bit anxious? Yeah.\n\nYeah. Yeah. If he's looked at it one day and the the value of the investment or the value of the super had dropped below hit the last time he looked at it. Yep. Yep.\n\nOkay. Beautiful. Fantastic. So I'd probably stay a bit cautious. Obviously, you're not feeling optimistic.\n\nYou're not happy about it, but it's it's on the back of your mind. You know that you're not gonna sell. You know you're not retiring, but it can still have a little bit of effect and gone, oh, it did go down. Does that sound right? Am I on the right track?\n\nYep. Beautiful. Excellent. And the last one here, it's basically asking, has he ever thought about taking out a loan in order to invest in shares or manage funds, or would you only borrow for safe property? I've already kinda ticked the box noting that you have only really ever borrowed for your main primary residence.\n\nIs that correct, or would you change that answer? Has you ever thought about borrowing to invest in any way? No. That's okay. Beautiful.\n\nThank you so much for answering those questions there. Essentially, with the way you have scored, Bauer, you've scored as a growth investor, and that essentially means that we would see 80% of your super invested in growth investments. So think about Australian shares, international shares, precious metals like gold and silver, and then some property in there as well. The other 20% would be in low risk defensive investments like cash funds and fixed interest. Essentially, this sort of investment suits your time horizon if you're not gonna access your super in six years.\n\nSo because, realistically, you're not gonna access super for at least seven years at this point, maybe longer depending on, you know, the advice and how long it takes to kind of build up to where you want it to be. Do you feel comfortable staying in this kind of environment, or does he wanna maybe reduce the risk level a little bit? Keep it the same? Yeah. Realistically, for his time horizon's a good spot to stay in.\n\nThe other thing to sort of think about is with having a lower balance, we wanna kinda get more growth and make it work a bit harder. So I'll find ways to do that. Especially if we're not able to put more contributions in at the moment, then we sort of need to take on a little bit more risk there. But I'll make a point of every year when we do this annual review that we reassess this questionnaire because there will come a point where he's a little bit more nervous about the ups and downs the market does take or wants to reduce the risk level back. There might even come a point where I suggest that we should probably start reducing that risk level back, and I'll kind of point that out at that time because I don't want him to be taking more risk than he needs to.\n\nDoes that all make sense? Do you have questions about any of that? That's all good pass. Beautiful. That is basically everything I needed for the annual review.\n\nSo if you guys are very comfortable, I will go back and do a bit of a recap email. I'll go through what we've gone through and discussed, what advice I'm looking to provide, the areas, and just kind of a recap email. I'll have the beneficiary details in there for you to also look at and discuss. And I'll email it to Bowie, but also to yourself and to Ruth. That way, everyone gets a copy of it as his authority's on file.\n\nAnd if any of you have any questions, please come back and let me know. I'll also add in there for you the financial services guide so you have a copy of that to kind of run your eyes through to look at what we are as advisers, the services we provide, and how we work in his best interest. And if you have any questions, please let me know. I'm more than happy to sorta help you, and I'll get stuck into doing the research. It just takes a couple of weeks to do the research.\n\nMy team will contact you, book you all back in so we can kinda go through it together. We can do it by phone or by Teams or however is preferable for you all to go through things. Does that sound okay? Has any questions come up from any of that? That's okay.\n\nNo problem at all. Look. Thank you so much for your time. I really appreciate that. I just to kind of recap on the goal side of things, I'm gonna work towards the age of 60, 65, and 67 for the super side of things.\n\nI'll retain the life and TPD as it is, look at what I can do with the income protection to try and consolidate things for him. And is there any other goals or anything else that he might want to sort of note down for the future aside from paying down the mortgage? Yeah. Absolutely. Perfect.\n\nPerfect. Excellent. Thank you so much for that today. I really appreciate all of your time. I hope you all have a beautiful day, and the sun stays out for you.\n\nI hope you have a good day, Bowie. Thank thank you so much for your time. I hope you all have a wonderful day, and I'll talk to you very soon. In the meantime, I will get stuck into all this research, and we'll update the advice and go through it together. Okay?\n\nMy pleasure. You too. Thank you so much, and talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Dana, Okie Financial.","start":7.44,"end":8.82,"sentiment":"neutral","sentiment_score":0.025177720313270886},{"text":"I would say, like Hi, miss Zach.","start":9.36,"end":15.235,"sentiment":"neutral","sentiment_score":0.04962893908045122},{"text":"It's Dana from Okie Financial.","start":15.235,"end":16.775,"sentiment":"neutral","sentiment_score":0.09695990085601806},{"text":"How are you this morning?","start":16.914999,"end":18.135,"sentiment":"neutral","sentiment_score":0.15627089142799377},{"text":"I'm very well.","start":19.715,"end":20.595,"sentiment":"positive","sentiment_score":0.4908229509989421}],"sentiment":"neutral","sentiment_score":0.1374590673443416,"num_words":23,"start":7.44,"end":20.595},{"sentences":[{"text":"Thank you.","start":20.595,"end":20.994999,"sentiment":"positive","sentiment_score":0.6215600073337555},{"text":"Thanks for asking.","start":20.994999,"end":21.875,"sentiment":"positive","sentiment_score":0.5997710029284159},{"text":"I had yourself booked in with Bowie to go through his annual review today.","start":21.875,"end":25.954998,"sentiment":"neutral","sentiment_score":0.2574408543961389},{"text":"Is now still a good time there for you both?","start":25.954998,"end":28.134998,"sentiment":"neutral","sentiment_score":0.23975023925304412},{"text":"Fantastic.","start":30.529999,"end":31.029999,"sentiment":"positive","sentiment_score":0.4236477017402649}],"sentiment":"neutral","sentiment_score":0.315591835975647,"num_words":30,"start":20.595,"end":31.029999},{"sentences":[{"text":"If it's okay, I do need to do security with you both first up.","start":31.81,"end":35.329998,"sentiment":"neutral","sentiment_score":0.1185894813388586},{"text":"But am I on speakerphone?","start":35.329998,"end":36.949997,"sentiment":"neutral","sentiment_score":0.009156375285238027},{"text":"Is Bawi there?","start":37.01,"end":37.73,"sentiment":"neutral","sentiment_score":-0.013347940053790808},{"text":"Can he hear me okay?","start":37.73,"end":38.87,"sentiment":"neutral","sentiment_score":-0.005654510110616684},{"text":"Yep.","start":41.649998,"end":42.05,"sentiment":"neutral","sentiment_score":0.07561469078063965}],"sentiment":"neutral","sentiment_score":0.06119046197272837,"num_words":28,"start":31.81,"end":42.05},{"sentences":[{"text":"Beautiful.","start":42.05,"end":42.55,"sentiment":"neutral","sentiment_score":0.27850914001464844},{"text":"Hi, Bawi.","start":42.61,"end":43.25,"sentiment":"neutral","sentiment_score":0.19139612466096878},{"text":"How are you this morning?","start":43.25,"end":44.55,"sentiment":"neutral","sentiment_score":0.23029886186122894},{"text":"I'm very well.","start":46.535,"end":47.575,"sentiment":"positive","sentiment_score":0.4086279769738515},{"text":"Thank you.","start":47.575,"end":47.975002,"sentiment":"positive","sentiment_score":0.6004067659378052}],"sentiment":"neutral","sentiment_score":0.32611485857229966,"num_words":13,"start":42.05,"end":47.975002},{"sentences":[{"text":"I hope it's lovely where you're both located today.","start":47.975002,"end":50.795002,"sentiment":"positive","sentiment_score":0.5113115509351095},{"text":"Excellent.","start":53.335,"end":53.835,"sentiment":"positive","sentiment_score":0.5007096529006958},{"text":"Excellent.","start":55.015,"end":55.515,"sentiment":"positive","sentiment_score":0.403420090675354},{"text":"Before I jump into the call, I do have to let you know we both, sorry, we do record our calls for quality and training purposes.","start":56.135002,"end":62.34,"sentiment":"neutral","sentiment_score":0.05205452936486556},{"text":"Are you happy for me to proceed with that?","start":62.399998,"end":64.58,"sentiment":"neutral","sentiment_score":0.1035312596294615}],"sentiment":"neutral","sentiment_score":0.16937245222051506,"num_words":46,"start":47.975002,"end":64.58},{"sentences":[{"text":"Fantastic.","start":66.56,"end":67.06,"sentiment":"positive","sentiment_score":0.4625611901283264},{"text":"And just to do a quick security check there for you as well, I just need to do a security check on both of you.","start":67.2,"end":72.58,"sentiment":"neutral","sentiment_score":0.15266362309455872},{"text":"If you can please, Masik, just let me know your full name, your date of birth, and address I should have on file for Bawi.","start":72.905,"end":78.445,"sentiment":"neutral","sentiment_score":0.0884138123691082},{"text":"Beautiful.","start":95.4,"end":95.9,"sentiment":"neutral","sentiment_score":0.3124988079071045},{"text":"Thank you so much for that.","start":95.96,"end":97.425,"sentiment":"positive","sentiment_score":0.4289669344822566}],"sentiment":"neutral","sentiment_score":0.16165168088828696,"num_words":58,"start":66.56,"end":97.425},{"sentences":[{"text":"And, Massey, can I just confirm your your full name as well?","start":97.90501,"end":102.40501,"sentiment":"neutral","sentiment_score":0.09880331810563803},{"text":"Beautiful.","start":107.665,"end":108.165,"sentiment":"positive","sentiment_score":0.4013359844684601},{"text":"Thank you so much for that.","start":108.385,"end":109.745,"sentiment":"positive","sentiment_score":0.5324481676022211},{"text":"Excellent.","start":109.745,"end":110.245,"sentiment":"positive","sentiment_score":0.41079843044281006},{"text":"So, essentially, I just wanted to kind of touch base and sort of go through the annual review with you.","start":110.83,"end":116.13,"sentiment":"neutral","sentiment_score":0.24468100145459176}],"sentiment":"neutral","sentiment_score":0.25215208167210224,"num_words":40,"start":97.90501,"end":116.13},{"sentences":[{"text":"Obviously, we do have an an external third party authority on file for yourself, Maxx, so you can sort of help Bowery along to make sure that he understands everything that we are saying and doing.","start":116.19,"end":126.405,"sentiment":"neutral","sentiment_score":0.13824184011254045},{"text":"It is really important that with the annual review that Bowery is the one that is able to answer the questions.","start":127.265,"end":131.985,"sentiment":"neutral","sentiment_score":0.28816098400524687},{"text":"So whether he lets you know what he wants to how he wants to answer and you refer back to me, that's absolutely fine.","start":131.985,"end":138.0,"sentiment":"positive","sentiment_score":0.33801901899278164},{"text":"I just need to make sure that Bowie is understanding of everything that we're going through.","start":138.0,"end":142.34,"sentiment":"neutral","sentiment_score":0.11548761907033622},{"text":"It does look like there are some changes I would like to make to his super.","start":143.2,"end":147.76,"sentiment":"neutral","sentiment_score":0.13791068736463785}],"sentiment":"neutral","sentiment_score":0.2052647457252034,"num_words":113,"start":116.19,"end":147.76},{"sentences":[{"text":"I do kinda wanna look at ways to be able to boost things a bit more and sort of focus on his retirement goals a bit further down the track.","start":147.76,"end":154.595,"sentiment":"neutral","sentiment_score":0.23484748850266138},{"text":"So if there is anything that either of you have, any questions that either of you have or anything in-depth that you want me to kind of focus on today, please let me know in detail.","start":155.295,"end":163.875,"sentiment":"neutral","sentiment_score":0.13066016054815716},{"text":"As Bowie's son, I do just wanna make sure you're aware that we do act in his best interest, that we do work under the corporations acting in the best interest duties.","start":164.575,"end":172.95001,"sentiment":"neutral","sentiment_score":0.15954001410864294},{"text":"So we are here to make sure that we're boosting his super and looking after things in in in line with his goals.","start":172.95001,"end":179.85,"sentiment":"positive","sentiment_score":0.35362383269745373},{"text":"And as having a an external third party authority on file, you're welcome to call me and let me know if you have third party authority on file, you're welcome to call me and let me know if you have any questions.","start":180.31,"end":186.29501,"sentiment":"neutral","sentiment_score":0.13123809368837447}],"sentiment":"neutral","sentiment_score":0.18711545382357814,"num_words":163,"start":147.76,"end":186.29501},{"sentences":[{"text":"You can't change make any changes on his behalf, but yourself and Ruth are able to call us questions and receive copies of documents as well so that, obviously, everyone is acting in in Valley's best interest, and you're able to keep track of things that way as well if you would like to.","start":186.29501,"end":202.47,"sentiment":"neutral","sentiment_score":0.1796210834549533},{"text":"Does that make sense?","start":202.47,"end":203.35,"sentiment":"neutral","sentiment_score":0.06093341577798128},{"text":"Do you have any questions at all so far at all?","start":203.35,"end":206.01,"sentiment":"neutral","sentiment_score":0.012031523129818115},{"text":"No.","start":206.63,"end":207.13,"sentiment":"neutral","sentiment_score":-0.12461944669485092},{"text":"Excellent.","start":208.39,"end":208.89,"sentiment":"positive","sentiment_score":0.4017982482910156}],"sentiment":"neutral","sentiment_score":0.14581405247469814,"num_words":71,"start":186.29501,"end":208.89},{"sentences":[{"text":"Fantastic.","start":209.11,"end":209.61,"sentiment":"positive","sentiment_score":0.4805485010147095},{"text":"Well, let's sort of jump into things to start with.","start":209.83,"end":212.445,"sentiment":"neutral","sentiment_score":0.20156217813491822},{"text":"I do have an email to send through to you just with the details regarding the sofa.","start":212.925,"end":218.30501,"sentiment":"neutral","sentiment_score":0.0895731427213725},{"text":"I do need to send it through to Bowery's email address.","start":218.52501,"end":221.32501,"sentiment":"neutral","sentiment_score":0.05572354861281135},{"text":"Are you able to access that?","start":221.32501,"end":222.925,"sentiment":"neutral","sentiment_score":0.03446575254201889}],"sentiment":"neutral","sentiment_score":0.10752593908045027,"num_words":45,"start":209.11,"end":222.925},{"sentences":[{"text":"Is he able to log in to that currently?","start":222.925,"end":224.945,"sentiment":"neutral","sentiment_score":0.032723474212818675},{"text":"Yep.","start":227.83,"end":228.33,"sentiment":"neutral","sentiment_score":0.1680302619934082},{"text":"Beautiful.","start":228.39,"end":228.89,"sentiment":"positive","sentiment_score":0.48938167095184326},{"text":"I've just sent it through now.","start":229.11,"end":230.47,"sentiment":"neutral","sentiment_score":0.3206188976764679},{"text":"It'll come through from Odoo Sign and ordana at Oakview Financial.","start":230.47,"end":234.65001,"sentiment":"neutral","sentiment_score":0.18563953312960538}],"sentiment":"neutral","sentiment_score":0.1756311232623245,"num_words":28,"start":222.925,"end":234.65001},{"sentences":[{"text":"If it doesn't come through, please do also check your junk mail.","start":251.59,"end":254.79,"sentiment":"neutral","sentiment_score":-0.09556869665781657},{"text":"Sometimes I get directed through the junk mailbox.","start":254.79,"end":257.21,"sentiment":"neutral","sentiment_score":-0.0650753160007298},{"text":"Oh, beautiful.","start":261.03,"end":261.93,"sentiment":"positive","sentiment_score":0.36443889141082764},{"text":"Excellent.","start":263.03,"end":263.53,"sentiment":"positive","sentiment_score":0.6623880863189697},{"text":"Is it nice and sunny in Coffs Harbour this morning?","start":264.365,"end":266.945,"sentiment":"positive","sentiment_score":0.34086785912513734}],"sentiment":"neutral","sentiment_score":0.09492477492401094,"num_words":33,"start":251.59,"end":266.945},{"sentences":[{"text":"Oh, fantastic.","start":270.365,"end":271.42502,"sentiment":"positive","sentiment_score":0.710759699344635},{"text":"It's so beautiful down there.","start":271.645,"end":272.925,"sentiment":"positive","sentiment_score":0.7689567685127259},{"text":"It's one of my favorite places.","start":272.925,"end":274.385,"sentiment":"positive","sentiment_score":0.5498791188001633},{"text":"I love Coffs.","start":274.445,"end":275.425,"sentiment":"positive","sentiment_score":0.40878285964330036},{"text":"Yeah.","start":279.03998,"end":279.44,"sentiment":"neutral","sentiment_score":0.0976468026638031}],"sentiment":"positive","sentiment_score":0.5817396079792696,"num_words":17,"start":270.365,"end":279.44},{"sentences":[{"text":"It's nice and sunny.","start":279.44,"end":280.56,"sentiment":"neutral","sentiment_score":0.23090576380491257},{"text":"So we're in Southport on the Gold Coast, but I actually live in New South Wales.","start":280.56,"end":284.8,"sentiment":"neutral","sentiment_score":0.02911523761576973},{"text":"Yeah.","start":284.8,"end":285.03998,"sentiment":"neutral","sentiment_score":0.017253626137971878},{"text":"I actually live at Tweed over the border there, so I'm a fellow New South Waleser.","start":285.03998,"end":289.38,"sentiment":"neutral","sentiment_score":0.021584247529972345},{"text":"But it's nice and sunny, so that's good.","start":290.24,"end":292.895,"sentiment":"positive","sentiment_score":0.43527126405388117}],"sentiment":"neutral","sentiment_score":0.11631641235823433,"num_words":45,"start":279.44,"end":292.895},{"sentences":[{"text":"Yeah.","start":295.435,"end":295.935,"sentiment":"neutral","sentiment_score":0.0652664452791214},{"text":"There we go.","start":297.835,"end":298.895,"sentiment":"neutral","sentiment_score":0.027236636107166607},{"text":"We're just gonna look at them first.","start":303.69,"end":305.21002,"sentiment":"neutral","sentiment_score":0.04074967120374952},{"text":"So I will never ask you to sign anything that you have not read through.","start":305.21002,"end":308.41,"sentiment":"neutral","sentiment_score":-0.00883324071764946},{"text":"So if you press the button, it should say sign here or sign now.","start":308.41,"end":311.69,"sentiment":"neutral","sentiment_score":0.02217690633343799}],"sentiment":"neutral","sentiment_score":0.015255053248256444,"num_words":40,"start":295.435,"end":311.69},{"sentences":[{"text":"You press that so you can move forward through the documentation, and it just lets you view them to start with, if that makes sense.","start":311.69,"end":322.00497,"sentiment":"neutral","sentiment_score":0.04928107887506485},{"text":"Yep.","start":322.22498,"end":322.705,"sentiment":"neutral","sentiment_score":0.15157590806484222},{"text":"Beautiful.","start":322.705,"end":323.205,"sentiment":"positive","sentiment_score":0.3594481348991394},{"text":"So now the first document you should have attached there should say summary of superannuation and insurances as of the August 24 there.","start":323.66498,"end":331.985,"sentiment":"neutral","sentiment_score":0.07181372088582619},{"text":"Can you see that one?","start":331.985,"end":333.205,"sentiment":"neutral","sentiment_score":0.03614529147744179}],"sentiment":"neutral","sentiment_score":0.06500896459276026,"num_words":55,"start":311.69,"end":333.205},{"sentences":[{"text":"That's okay.","start":345.7,"end":346.34,"sentiment":"neutral","sentiment_score":0.043521344661712646},{"text":"You can go back if you need to.","start":346.34,"end":348.52002,"sentiment":"neutral","sentiment_score":0.024096049601212144},{"text":"You got it.","start":363.88998,"end":364.71,"sentiment":"neutral","sentiment_score":0.1125286693374316},{"text":"Perfect.","start":364.77,"end":365.27,"sentiment":"neutral","sentiment_score":0.2170757502317429},{"text":"Sorry about that.","start":365.33,"end":366.21,"sentiment":"neutral","sentiment_score":0.045334565142790474}],"sentiment":"neutral","sentiment_score":0.057086855282678324,"num_words":17,"start":345.7,"end":366.21},{"sentences":[{"text":"All good.","start":366.21,"end":367.03,"sentiment":"neutral","sentiment_score":0.23078247904777527},{"text":"So it does show the updated super balance within Netwealth and Ethical Super.","start":367.25,"end":371.51,"sentiment":"neutral","sentiment_score":0.08979220516406573},{"text":"So within the Netwealth Superfund, we have $75,512.20 there.","start":372.29,"end":378.15,"sentiment":"neutral","sentiment_score":0.05286022234294149},{"text":"When I look back at the Netwealth balance as of this time last year, the balance was around about $74,039.21.","start":378.575,"end":386.975,"sentiment":"neutral","sentiment_score":0.03369085006415844},{"text":"So, realistically, we haven't had a lot of growth this year.","start":386.975,"end":389.935,"sentiment":"neutral","sentiment_score":-0.12389732287688689}],"sentiment":"neutral","sentiment_score":0.025737310471859846,"num_words":55,"start":366.21,"end":389.935},{"sentences":[{"text":"It is around a lot to do with what's been happening in the markets as a whole.","start":389.935,"end":394.97,"sentiment":"neutral","sentiment_score":-0.0704111627796117},{"text":"But I would like to maybe look at what we can do moving forward because one of the things I sort of wanted to look at was, obviously, Bowie wanting to retire and boosting super for that.","start":395.59,"end":405.03,"sentiment":"neutral","sentiment_score":0.23331254197133555},{"text":"Because, realistically, based on the current balance that he does have, we're not gonna kind of have as much of a good retirement.","start":405.03,"end":411.745,"sentiment":"neutral","sentiment_score":-0.15875567528216736},{"text":"We wanna kinda provide greater growth and boost to that.","start":411.745,"end":414.945,"sentiment":"positive","sentiment_score":0.42398975044488907},{"text":"So we wanna sort of talk today a bit more about how to help you along with that.","start":414.945,"end":418.725,"sentiment":"neutral","sentiment_score":0.2884255780114068}],"sentiment":"neutral","sentiment_score":0.125864301550956,"num_words":105,"start":389.935,"end":418.725},{"sentences":[{"text":"In the ethical super so the last advice document I sort of looked at, we had moved majority of the funds into Netwealth to provide greater growth and to have it invested so it was able to work harder for you.","start":419.185,"end":430.08,"sentiment":"neutral","sentiment_score":0.23472482783765328},{"text":"The idea of retaining back the ethical super was just to keep the income protection side of things in place.","start":430.62,"end":436.22,"sentiment":"neutral","sentiment_score":0.14867024682462215},{"text":"We weren't able to get new income protection for him back when we originally looked at it, so we do have or have had to retain those two super funds there.","start":436.22,"end":444.255,"sentiment":"neutral","sentiment_score":0.0031997264332828982},{"text":"So the income protection is paid for out of the ethical super, and then we've we're holding the two funds there.","start":445.595,"end":451.27502,"sentiment":"neutral","sentiment_score":0.02788780274845305},{"text":"Realistically, what we wanna do, if we are holding two super funds, we wanna sort of only have a minimum balance held within Ethical Super there.","start":451.27502,"end":459.12,"sentiment":"neutral","sentiment_score":0.11024717155557412}],"sentiment":"neutral","sentiment_score":0.11617542960741323,"num_words":139,"start":419.185,"end":459.12},{"sentences":[{"text":"The main concern I sorta have with the two funds at the moment is that your balance overall is quite low, and your contributions at the moment, Bowery, they are actually going into the net wealth funds.","start":459.25998,"end":471.77167,"sentiment":"neutral","sentiment_score":-0.24300126268251523},{"text":"So your ethical super is not getting any additional contributions.","start":471.77167,"end":473.685,"sentiment":"neutral","sentiment_score":-0.18179762363433838},{"text":"That is okay to keep it that way because the we've we've got an opt in in place.","start":474.465,"end":481.105,"sentiment":"neutral","sentiment_score":0.0223528395096461},{"text":"So we have opted into the insurances, which means if no contributions go into ethical super, we have into the insurances, which means if no contributions go into ethical super, they will still keep the income protection in place as long as there is enough money to pay for the premiums there.","start":481.105,"end":492.98,"sentiment":"neutral","sentiment_score":0.04536245175852226},{"text":"But I think what I'd like to do today with you both is really talk about the level of insurances that you have that you need, and really look at what what we can do moving forward.","start":493.44,"end":503.295,"sentiment":"neutral","sentiment_score":0.1847504045109491}],"sentiment":"neutral","sentiment_score":-0.00787051549399054,"num_words":154,"start":459.25998,"end":503.295},{"sentences":[{"text":"Because, realistically, for your agent's age, your balance is a lot lower than where I realistically like it to be.","start":503.295,"end":508.89,"sentiment":"negative","sentiment_score":-0.3929326646029949},{"text":"And moving forward, in order to make super work as hard as possible and to give you the best possible retirement, we need to kind of get more money into super and be able to make it work a bit harder for you.","start":509.05002,"end":520.17004,"sentiment":"negative","sentiment_score":-0.3409850517677706},{"text":"Does that make sense?","start":520.17004,"end":520.97003,"sentiment":"neutral","sentiment_score":-0.03681266587227583},{"text":"And do you have questions so far?","start":520.97003,"end":523.02496,"sentiment":"neutral","sentiment_score":-0.006773011625877449},{"text":"Yes.","start":529.325,"end":529.64496,"sentiment":"neutral","sentiment_score":0.10225646197795868}],"sentiment":"neutral","sentiment_score":-0.301512210679551,"num_words":75,"start":503.295,"end":529.64496},{"sentences":[{"text":"Sorry.","start":529.64496,"end":530.14496,"sentiment":"neutral","sentiment_score":0.19763287901878357},{"text":"All good.","start":572.89,"end":573.705,"sentiment":"positive","sentiment_score":0.3582458794116974},{"text":"Beautiful.","start":573.865,"end":574.185,"sentiment":"positive","sentiment_score":0.4579910635948181},{"text":"Is there any questions that have come up so far from any of you?","start":574.185,"end":577.805,"sentiment":"neutral","sentiment_score":0.08919240733874696},{"text":"He does.","start":582.585,"end":583.145,"sentiment":"neutral","sentiment_score":0.0699802003800869}],"sentiment":"neutral","sentiment_score":0.1380384902469814,"num_words":20,"start":529.64496,"end":583.145},{"sentences":[{"text":"Yes.","start":583.145,"end":583.385,"sentiment":"neutral","sentiment_score":0.05897907167673111},{"text":"So we have the Netwealth Fund there with the 75,000, and we've still got the Ethical Super, which used to be Christian Super.","start":583.385,"end":589.62,"sentiment":"neutral","sentiment_score":0.06949256392924683},{"text":"And that's currently retaining the 14,000, and that's where the the income protection policy is paid from.","start":590.58,"end":598.04,"sentiment":"neutral","sentiment_score":0.018718666013549354},{"text":"Yeah.","start":602.9,"end":603.38,"sentiment":"neutral","sentiment_score":0.011096518486738203},{"text":"So we weren't weren't able to get income protection back when he did come on board as a client.","start":603.38,"end":608.755,"sentiment":"neutral","sentiment_score":-0.03069228629924749}],"sentiment":"neutral","sentiment_score":0.023007679394766934,"num_words":61,"start":583.145,"end":608.755},{"sentences":[{"text":"So it was opted to retain the income protection he had.","start":608.97504,"end":612.275,"sentiment":"neutral","sentiment_score":0.022604619745503773},{"text":"The main sort of purpose to having income protection is that it covers a a portion of your income if you're unable to go to work in the short term.","start":612.97504,"end":621.07,"sentiment":"neutral","sentiment_score":-0.017207724104324976},{"text":"So as an example, if he broke a leg or something and was unable to go to work in the short term, if he was to meet the waiting period, he could claim the monthly benefits essentially to help cover a portion of his income whilst he is recuperating there.","start":621.07,"end":637.455,"sentiment":"neutral","sentiment_score":-0.04798139180988073},{"text":"Yeah.","start":639.435,"end":639.91504,"sentiment":"neutral","sentiment_score":-0.010484634898602962},{"text":"Did you need to let Vowie know any of that?","start":639.91504,"end":642.395,"sentiment":"neutral","sentiment_score":-0.026351877860724925}],"sentiment":"neutral","sentiment_score":-0.028829940293422517,"num_words":102,"start":608.97504,"end":642.395},{"sentences":[{"text":"Sorry.","start":642.395,"end":642.875,"sentiment":"neutral","sentiment_score":-0.06314127147197723},{"text":"I'm trying to go a bit slower for you.","start":642.875,"end":644.735,"sentiment":"neutral","sentiment_score":-0.058768258740504585},{"text":"That's okay.","start":645.38,"end":646.27997,"sentiment":"neutral","sentiment_score":0.011987203266471624},{"text":"Okay.","start":651.22,"end":651.72,"sentiment":"neutral","sentiment_score":-0.023713842034339905},{"text":"Move to jobs.","start":651.94,"end":652.92,"sentiment":"neutral","sentiment_score":-0.0586437260111173}],"sentiment":"neutral","sentiment_score":-0.04798288835445419,"num_words":16,"start":642.395,"end":652.92},{"sentences":[{"text":"No.","start":659.865,"end":660.105,"sentiment":"neutral","sentiment_score":-0.17404648661613464},{"text":"It's all going into the Netwealth Fund.","start":660.105,"end":662.925,"sentiment":"neutral","sentiment_score":-0.11880036762782506},{"text":"So I do wanna keep an eye on that Ethical Super to make sure that because there's no contributions going in there, the funds are still invested, so they should still technically see growth.","start":663.305,"end":673.405,"sentiment":"neutral","sentiment_score":0.09257405415615615},{"text":"But if the balance in Ethical drops below the minimum or drops below the point where they won't be able to take them the premiums after the income protection, that's when that insurance will drop off or essentially expire.","start":673.94995,"end":685.88995,"sentiment":"neutral","sentiment_score":-0.13186600250311387},{"text":"So we just wanna make sure that there's enough money in there to cover the insurance premiums and that ethical is looked after that way.","start":685.94995,"end":693.865,"sentiment":"neutral","sentiment_score":0.1411544646322727}],"sentiment":"neutral","sentiment_score":0.004980719806450718,"num_words":106,"start":659.865,"end":693.865},{"sentences":[{"text":"There is it's fine for him to keep his contributions going into Netwealth.","start":693.925,"end":698.165,"sentiment":"positive","sentiment_score":0.3679055938353905},{"text":"There is nothing wrong with that at all.","start":698.165,"end":700.265,"sentiment":"neutral","sentiment_score":0.2542465329170227},{"text":"It's just making sure that insurance stays in place if that's important to him at this point, if that makes sense.","start":700.565,"end":709.99,"sentiment":"neutral","sentiment_score":0.1932831152918793},{"text":"Yeah.","start":709.99,"end":710.49,"sentiment":"neutral","sentiment_score":0.14775407314300537},{"text":"Yeah.","start":757.14,"end":757.46,"sentiment":"neutral","sentiment_score":0.1869740784168243}],"sentiment":"neutral","sentiment_score":0.25478223990648985,"num_words":44,"start":693.925,"end":757.46},{"sentences":[{"text":"We can.","start":757.46,"end":758.44,"sentiment":"neutral","sentiment_score":0.06927553564310074},{"text":"Is yep.","start":758.5,"end":761.80005,"sentiment":"neutral","sentiment_score":0.028036140836775303},{"text":"We yeah.","start":764.74005,"end":766.26,"sentiment":"neutral","sentiment_score":-0.010578920133411884},{"text":"No.","start":766.26,"end":766.5,"sentiment":"neutral","sentiment_score":-0.03359918296337128},{"text":"That's a good question.","start":766.5,"end":767.38,"sentiment":"neutral","sentiment_score":0.10861559025943279}],"sentiment":"neutral","sentiment_score":0.05221169916066257,"num_words":11,"start":757.46,"end":767.38},{"sentences":[{"text":"We definitely can.","start":767.38,"end":768.52,"sentiment":"neutral","sentiment_score":0.31193071603775024},{"text":"The the only thing is the insurances.","start":769.22003,"end":771.0,"sentiment":"neutral","sentiment_score":-0.022627924169812883},{"text":"So is the income protection policy important for him to keep?","start":771.22003,"end":774.965,"sentiment":"neutral","sentiment_score":0.0037348944355141034},{"text":"Does he wanna keep that income protection policy, or is he happy to sort of cancel that?","start":774.965,"end":779.765,"sentiment":"neutral","sentiment_score":-0.0719973738579189},{"text":"How does he feel about that?","start":779.765,"end":781.22504,"sentiment":"neutral","sentiment_score":-0.044419044318298496}],"sentiment":"neutral","sentiment_score":-0.01527247963134538,"num_words":44,"start":767.38,"end":781.22504},{"sentences":[{"text":"That's the one that's paid out of the ethical super.","start":786.73,"end":789.05,"sentiment":"neutral","sentiment_score":-0.06994353979825974},{"text":"Yeah.","start":789.05,"end":789.55,"sentiment":"neutral","sentiment_score":0.00884279329329729},{"text":"Mhmm.","start":883.39496,"end":883.83,"sentiment":"neutral","sentiment_score":0.05205883085727692},{"text":"So the Netwealth into the ethical super?","start":889.51,"end":892.49,"sentiment":"neutral","sentiment_score":0.033850595887218206},{"text":"Yep.","start":895.59,"end":896.025,"sentiment":"neutral","sentiment_score":0.09605836868286131}],"sentiment":"neutral","sentiment_score":-0.01527606169693172,"num_words":20,"start":786.73,"end":896.025},{"sentences":[{"text":"Yep.","start":896.025,"end":896.265,"sentiment":"neutral","sentiment_score":0.1389349400997162},{"text":"That's okay.","start":896.265,"end":897.005,"sentiment":"neutral","sentiment_score":0.3124694526195526},{"text":"So we can absolutely do that.","start":897.065,"end":898.585,"sentiment":"positive","sentiment_score":0.46345744530359906},{"text":"It's not a problem at all.","start":898.585,"end":900.04504,"sentiment":"neutral","sentiment_score":0.29522044708331424},{"text":"We by doing that and look, honestly, it's completely up to you and him and how he feels.","start":900.585,"end":906.60504,"sentiment":"neutral","sentiment_score":0.3028329287966092}],"sentiment":"neutral","sentiment_score":0.32627072478785657,"num_words":33,"start":896.025,"end":906.60504},{"sentences":[{"text":"By moving it back out of Netwealth and moving it into the ethical super, it does mean that we're not really able to look after that in any way, shape, or form.","start":907.385,"end":915.17,"sentiment":"neutral","sentiment_score":-0.09676503855735064},{"text":"So it does mean you're essentially ceasing our services as an adviser.","start":915.17,"end":919.11,"sentiment":"neutral","sentiment_score":-0.24329056094090143},{"text":"In saying that, that's not necessarily a bad thing.","start":919.73,"end":922.70996,"sentiment":"neutral","sentiment_score":-0.08298696329196294},{"text":"We can I can still talk to you about the insurance aspect?","start":923.01,"end":928.665,"sentiment":"neutral","sentiment_score":0.1089891237206757},{"text":"The other thing is on the bottom there, he's also got the Clearview insurances.","start":929.045,"end":933.545,"sentiment":"neutral","sentiment_score":-0.02039698524666684}],"sentiment":"neutral","sentiment_score":-0.07266504991846749,"num_words":79,"start":907.385,"end":933.545},{"sentences":[{"text":"They are currently paid out of the Netwealth account.","start":934.565,"end":937.70496,"sentiment":"neutral","sentiment_score":-0.055992167029115886},{"text":"So he would need to also have those changed to be paid out of the the Ethical Super account.","start":939.16003,"end":947.42004,"sentiment":"neutral","sentiment_score":-0.0055225248399533725},{"text":"We can if he decides he wants to move everything back into the ethical super, which is honestly not a bad idea being as the balance is a little bit lower, it just means that the Clearview insurances need to be changed.","start":948.84,"end":961.605,"sentiment":"neutral","sentiment_score":0.17339932714544593},{"text":"They're paid out of that ethical super as well, which we can certainly help you with.","start":961.605,"end":965.605,"sentiment":"positive","sentiment_score":0.43728275457397103},{"text":"It's just a form to have the premiums deducted from the other account.","start":965.605,"end":969.5,"sentiment":"neutral","sentiment_score":0.26970949654395765}],"sentiment":"neutral","sentiment_score":0.17350163427416723,"num_words":99,"start":934.565,"end":969.5},{"sentences":[{"text":"That's easy enough to do.","start":969.5,"end":971.04004,"sentiment":"positive","sentiment_score":0.4251358389854431},{"text":"He can we are not able to sort of look at the ethical super.","start":971.66003,"end":975.26,"sentiment":"neutral","sentiment_score":-0.14329976907798223},{"text":"We have limitations around how we can assist with that.","start":975.26,"end":978.32,"sentiment":"neutral","sentiment_score":-0.26846832036972046},{"text":"However, he can sort of remain with us as an insurance only client.","start":979.18,"end":983.415,"sentiment":"neutral","sentiment_score":-0.004772141862374086},{"text":"So we can still do reviews with you guys every year, look at what the insurance levels are, look at how it's sort of affecting a super.","start":983.415,"end":990.715,"sentiment":"neutral","sentiment_score":-0.02575438731798419}],"sentiment":"neutral","sentiment_score":-0.04815372576316198,"num_words":69,"start":969.5,"end":990.715},{"sentences":[{"text":"There are just sort of limitations on what we can do with the ethical super because we're not an adviser linked to the to that sort of super fund.","start":991.015,"end":998.395,"sentiment":"neutral","sentiment_score":-0.26602907941259185},{"text":"We only have what's called a third party authority, which is basically the same sort of thing that you have with us.","start":998.48004,"end":1003.84,"sentiment":"neutral","sentiment_score":0.008364336819133976},{"text":"It's just basically where we can inquire, find out information.","start":1003.84,"end":1007.62,"sentiment":"neutral","sentiment_score":0.07846439033746719},{"text":"We can help and provide advice around it, but we can't make any changes to it, which does make it very difficult, especially when it comes to Bowe's situation, where, you know, we're giving him advice, but we wanna make sure it's in his best interest.","start":1007.84,"end":1021.005,"sentiment":"neutral","sentiment_score":-0.013552805246866268},{"text":"At the end of the day as well, it does have to be what is right for him.","start":1021.625,"end":1026.025,"sentiment":"neutral","sentiment_score":0.1765107595258289}],"sentiment":"neutral","sentiment_score":-0.03353935487568378,"num_words":125,"start":991.015,"end":1026.025},{"sentences":[{"text":"So if he would prefer to have it all moved into that ethical super and keep it all consolidated, there's nothing wrong with that.","start":1026.025,"end":1033.24,"sentiment":"neutral","sentiment_score":0.2894169520586729},{"text":"One of the big things and concerns I have is that the balance is quite low currently.","start":1033.3,"end":1038.28,"sentiment":"negative","sentiment_score":-0.377636218772215},{"text":"So having two super funds does mean he is paying more in administration fees, investment fees.","start":1038.42,"end":1044.545,"sentiment":"negative","sentiment_score":-0.4216235922649503},{"text":"So having it in one place would work out much better for him because moving forward, everything being invested in one place, you know, more money makes more money.","start":1044.545,"end":1054.22,"sentiment":"positive","sentiment_score":0.6787055638329736},{"text":"So having it in one super fund can save him on fees and can provide a bit more of a boost to his super fund.","start":1054.22,"end":1060.7999,"sentiment":"positive","sentiment_score":0.7759889698028565}],"sentiment":"neutral","sentiment_score":0.29605765090332375,"num_words":111,"start":1026.025,"end":1060.7999},{"sentences":[{"text":"The other side of things is adding additional contributions.","start":1061.5,"end":1065.12,"sentiment":"neutral","sentiment_score":0.2987167686223984},{"text":"Does is Bowie in a position where he can put some more money into super increase his contributions in?","start":1066.005,"end":1072.8251,"sentiment":"neutral","sentiment_score":0.18047343429766202},{"text":"Is that a is that any consideration that could be made?","start":1073.285,"end":1076.345,"sentiment":"neutral","sentiment_score":0.05110799995335666},{"text":"Yes.","start":1109.2999,"end":1109.7999,"sentiment":"neutral","sentiment_score":0.06818599253892899},{"text":"Yep.","start":1123.955,"end":1124.455,"sentiment":"neutral","sentiment_score":0.10686667263507844}],"sentiment":"neutral","sentiment_score":0.16718748375409986,"num_words":41,"start":1061.5,"end":1124.455},{"sentences":[{"text":"Yep.","start":1124.595,"end":1125.095,"sentiment":"neutral","sentiment_score":0.16391019523143768},{"text":"Absolutely.","start":1125.235,"end":1125.735,"sentiment":"neutral","sentiment_score":0.25500625371932983},{"text":"What I might do, if you're comfortable with it, and I can always put you into the email if you like, is after the call, I can go back to our head of advice, our licensee.","start":1126.515,"end":1136.4,"sentiment":"neutral","sentiment_score":0.19258009725146824},{"text":"I can put forward the scenario and the conversation we've had about maybe moving moving value back into ethical super and look at, you know, how we can maybe provide a one off advice piece on, you know, how to roll back into Ethical Super, how to have the funds invested within Ethical Super.","start":1137.26,"end":1156.155,"sentiment":"neutral","sentiment_score":0.18808232123653093},{"text":"It does mean that you would, well, Bowie would need to kind of go through the process of implementing himself.","start":1156.155,"end":1162.39,"sentiment":"neutral","sentiment_score":0.059902711771428585}],"sentiment":"neutral","sentiment_score":0.16702053153754345,"num_words":112,"start":1124.595,"end":1162.39},{"sentences":[{"text":"So he would need to contact Ethical Super, change the investments if that's what he wants to do.","start":1162.39,"end":1167.05,"sentiment":"neutral","sentiment_score":0.10616830239693324},{"text":"We could sort of show him how to how much to put into the super fund on a regular basis.","start":1167.35,"end":1173.375,"sentiment":"neutral","sentiment_score":0.24936264306306838},{"text":"It just means that long term, we're not really able to alter the advice in any way, shape, or form.","start":1173.455,"end":1178.355,"sentiment":"neutral","sentiment_score":0.04465483520179987},{"text":"It would just be a one off kind of advice piece to sort of cement moving back into ethical super and what to do moving forward.","start":1178.735,"end":1185.395,"sentiment":"neutral","sentiment_score":0.17756525255166566},{"text":"The other option I could look at, depending on the changes to his circumstances, is I could look at a way to move him from ethical into Netwealth and see if I can consolidate things that way if he is open to doing it.","start":1186.2201,"end":1199.6,"sentiment":"neutral","sentiment_score":0.17031185769222}],"sentiment":"neutral","sentiment_score":0.15548279150971211,"num_words":128,"start":1162.39,"end":1199.6},{"sentences":[{"text":"I don't want this to be solely around staying as a client and being on fees.","start":1199.705,"end":1203.545,"sentiment":"neutral","sentiment_score":-0.207039930857718},{"text":"It's gotta be what's right for for him and for you guys as well.","start":1203.545,"end":1207.325,"sentiment":"neutral","sentiment_score":0.17185835167765617},{"text":"But if there was a way that I could consolidate into Netwealth, would he be open to doing that, or would he rather go back to ethical?","start":1208.105,"end":1221.4775,"sentiment":"neutral","sentiment_score":-0.026479985124077992},{"text":"That's okay.","start":1267.11,"end":1267.93,"sentiment":"neutral","sentiment_score":0.024568620137870312},{"text":"Yeah.","start":1275.8451,"end":1276.3451,"sentiment":"neutral","sentiment_score":0.03024243749678135}],"sentiment":"neutral","sentiment_score":-0.02570336484689809,"num_words":60,"start":1199.705,"end":1276.3451},{"sentences":[{"text":"Abs absolutely.","start":1284.485,"end":1286.425,"sentiment":"neutral","sentiment_score":0.05593864247202873},{"text":"Yeah.","start":1287.045,"end":1287.545,"sentiment":"neutral","sentiment_score":0.130581334233284},{"text":"Definitely.","start":1287.8451,"end":1288.3451,"sentiment":"neutral","sentiment_score":0.22637152671813965},{"text":"Definitely.","start":1288.645,"end":1289.145,"sentiment":"neutral","sentiment_score":0.20994028449058533},{"text":"There is some eligibility questions that I can ask if you're comfortable with me doing that to be able to confirm whether we could maybe look at transferring his income protection policy over to Netwealth.","start":1289.74,"end":1303.2799,"sentiment":"neutral","sentiment_score":0.06426115483045577}],"sentiment":"neutral","sentiment_score":0.07319777123630047,"num_words":40,"start":1284.485,"end":1303.2799},{"sentences":[{"text":"Is he okay if I was to go through those now with you to ask those questions to see if there's eligibility to consolidate that way?","start":1304.285,"end":1312.705,"sentiment":"neutral","sentiment_score":0.058975053807863824},{"text":"Yeah.","start":1315.725,"end":1316.205,"sentiment":"neutral","sentiment_score":0.058718468993902206},{"text":"Is that way okay if I ask those couple of questions?","start":1316.205,"end":1318.865,"sentiment":"neutral","sentiment_score":0.08509901233694771},{"text":"Yep.","start":1321.24,"end":1321.74,"sentiment":"neutral","sentiment_score":0.21949556469917297},{"text":"Yep.","start":1321.8,"end":1322.3,"sentiment":"neutral","sentiment_score":0.2301492989063263}],"sentiment":"neutral","sentiment_score":0.07444509668275714,"num_words":40,"start":1304.285,"end":1322.3},{"sentences":[{"text":"Okay.","start":1333.665,"end":1334.0651,"sentiment":"positive","sentiment_score":0.4501940608024597},{"text":"Beautiful.","start":1334.0651,"end":1334.5651,"sentiment":"positive","sentiment_score":0.5635484457015991},{"text":"So there is only six questions.","start":1334.785,"end":1336.545,"sentiment":"neutral","sentiment_score":0.21278507759173712},{"text":"I'll ask them as simply as possible.","start":1336.545,"end":1338.305,"sentiment":"neutral","sentiment_score":0.17861764558723994},{"text":"I'll ask each one, and then you're able to ask Zoe, and then we can confirm the answer.","start":1338.305,"end":1342.4851,"sentiment":"neutral","sentiment_score":0.1433500461280346}],"sentiment":"neutral","sentiment_score":0.18548719155969043,"num_words":33,"start":1333.665,"end":1342.4851},{"sentences":[{"text":"But is he currently off work or not able to perform his normal full time occupation or duties on a full time basis?","start":1343.265,"end":1350.84,"sentiment":"neutral","sentiment_score":-0.07632648264584334},{"text":"So is he not able to is he currently off work or not able to perform his normal full time occupational duties?","start":1350.84,"end":1357.58,"sentiment":"neutral","sentiment_score":-0.08156819573857567},{"text":"Okay.","start":1363.7999,"end":1364.295,"sentiment":"neutral","sentiment_score":-0.0733359307050705},{"text":"Okay.","start":1366.295,"end":1366.795,"sentiment":"neutral","sentiment_score":-0.017165571451187134},{"text":"Casual.","start":1367.255,"end":1367.755,"sentiment":"neutral","sentiment_score":-0.024875663220882416}],"sentiment":"neutral","sentiment_score":-0.07636222026000421,"num_words":48,"start":1343.265,"end":1367.755},{"sentences":[{"text":"How many okay.","start":1367.895,"end":1371.675,"sentiment":"neutral","sentiment_score":-0.014478078112006187},{"text":"How many okay.","start":1371.735,"end":1372.615,"sentiment":"neutral","sentiment_score":0.02289847657084465},{"text":"So full time hours.","start":1372.615,"end":1373.5751,"sentiment":"neutral","sentiment_score":0.04729634942486882},{"text":"So we're still working roughly, say, thirty to thirty eight hours per week.","start":1373.5751,"end":1377.0951,"sentiment":"neutral","sentiment_score":0.05956665311868374},{"text":"Is that right?","start":1377.0951,"end":1377.87,"sentiment":"neutral","sentiment_score":0.08081400394439697}],"sentiment":"neutral","sentiment_score":0.04735596520969501,"num_words":26,"start":1367.895,"end":1377.87},{"sentences":[{"text":"Okay.","start":1397.405,"end":1397.805,"sentiment":"neutral","sentiment_score":0.09447762370109558},{"text":"And that's fairly consistent every week?","start":1397.805,"end":1400.305,"sentiment":"neutral","sentiment_score":0.10772280022501945},{"text":"Okay.","start":1410.3,"end":1410.8,"sentiment":"neutral","sentiment_score":0.2588648200035095},{"text":"Beautiful.","start":1410.86,"end":1411.36,"sentiment":"positive","sentiment_score":0.5604608058929443},{"text":"Fantastic.","start":1411.5801,"end":1412.0801,"sentiment":"positive","sentiment_score":0.5452727675437927}],"sentiment":"neutral","sentiment_score":0.2105412818491459,"num_words":10,"start":1397.405,"end":1412.0801},{"sentences":[{"text":"The next question here is, has he been off work or absent unable to perform his full time duties for in the last twelve months?","start":1413.02,"end":1422.195,"sentiment":"neutral","sentiment_score":-0.04799437031149864},{"text":"So not including if he's been off sick or so has he been off work or not able to for a longer period of time, say, more than six days over the past twelve months.","start":1422.195,"end":1433.15,"sentiment":"neutral","sentiment_score":-0.11622660670961653},{"text":"Yep.","start":1438.25,"end":1438.73,"sentiment":"neutral","sentiment_score":0.04706448316574097},{"text":"Beautiful.","start":1438.73,"end":1439.23,"sentiment":"neutral","sentiment_score":0.19219177961349487},{"text":"The next one here is, has he ever been diagnosed, or does he suffer from an illness that may cause inability to do his normal full time occupation?","start":1439.61,"end":1447.695,"sentiment":"neutral","sentiment_score":-0.05979180721832173}],"sentiment":"neutral","sentiment_score":-0.07447449813286464,"num_words":90,"start":1413.02,"end":1447.695},{"sentences":[{"text":"Excellent.","start":1454.7949,"end":1455.2949,"sentiment":"neutral","sentiment_score":0.24545133113861084},{"text":"Beautiful.","start":1456.3949,"end":1456.8949,"sentiment":"neutral","sentiment_score":0.221278578042984},{"text":"Has he ever had insurance an insurance application for death, TBD, terminal illness, income protection, or accident and sickness cover ever refused?","start":1457.7101,"end":1466.77,"sentiment":"neutral","sentiment_score":-0.007212770425460555},{"text":"So has he ever had insurance application declined to his knowledge?","start":1466.8301,"end":1470.885,"sentiment":"neutral","sentiment_score":-0.08842110091989691},{"text":"No?","start":1473.845,"end":1474.345,"sentiment":"neutral","sentiment_score":-0.13104981184005737}],"sentiment":"neutral","sentiment_score":-0.022100915614929464,"num_words":36,"start":1454.7949,"end":1474.345},{"sentences":[{"text":"Okay.","start":1478.405,"end":1478.885,"sentiment":"neutral","sentiment_score":0.0190720371901989},{"text":"Beautiful.","start":1478.885,"end":1479.385,"sentiment":"neutral","sentiment_score":0.08024021983146667},{"text":"Has he ever been eligible to be paid, or is he currently eligible to claim on any kind of injury or illness, workers' compensation, government benefits, or any insurance policies?","start":1479.685,"end":1490.0399,"sentiment":"neutral","sentiment_score":-0.02720302442709605},{"text":"Nope.","start":1499.0599,"end":1499.2999,"sentiment":"neutral","sentiment_score":-0.0538642518222332},{"text":"That's okay.","start":1499.2999,"end":1500.375,"sentiment":"neutral","sentiment_score":0.008672298165038228}],"sentiment":"neutral","sentiment_score":-0.021522803750953504,"num_words":35,"start":1478.405,"end":1500.375},{"sentences":[{"text":"Excellent.","start":1500.375,"end":1500.875,"sentiment":"neutral","sentiment_score":0.1361275613307953},{"text":"And the last one here is, has he ever had an application for death, TPD, terminal illness, or income protection ever offered on nonstandard terms?","start":1501.255,"end":1510.475,"sentiment":"neutral","sentiment_score":-0.056451267115771774},{"text":"Nope.","start":1515.095,"end":1515.51,"sentiment":"neutral","sentiment_score":-0.09581153094768524},{"text":"That's okay.","start":1515.59,"end":1516.41,"sentiment":"neutral","sentiment_score":-0.039069315418601036},{"text":"Look.","start":1516.71,"end":1517.11,"sentiment":"neutral","sentiment_score":-0.013217976316809654}],"sentiment":"neutral","sentiment_score":-0.04874407515550653,"num_words":30,"start":1500.375,"end":1517.11},{"sentences":[{"text":"There there is based on this questionnaire, it looks like he may be eligible to have the policy transferred into Netwealth, which means that if he wants to remain as a client of ours, and this is completely up to you guys.","start":1517.11,"end":1533.085,"sentiment":"neutral","sentiment_score":0.016089894254470154},{"text":"You it's a conversation that you may need to have as a family to work out what is important to you.","start":1533.085,"end":1537.985,"sentiment":"neutral","sentiment_score":0.08034804019899595},{"text":"I would love to keep you both keep you here and help work towards his retirement goals and boost super as much as possible, but it's gotta be right for him as well.","start":1538.5249,"end":1547.0,"sentiment":"neutral","sentiment_score":0.2567771953163725},{"text":"So if there is a way to do that, I could look at how we could maybe transfer that policy from the Ethical Super Internet wealth and consolidate things that way.","start":1547.0,"end":1557.08,"sentiment":"neutral","sentiment_score":0.25967234949911794},{"text":"That means that we can still look after everything.","start":1557.08,"end":1559.635,"sentiment":"neutral","sentiment_score":0.3247838318347931}],"sentiment":"neutral","sentiment_score":0.16036492036244668,"num_words":136,"start":1517.11,"end":1559.635},{"sentences":[{"text":"We can still monitor the investments.","start":1559.695,"end":1561.7949,"sentiment":"neutral","sentiment_score":0.313749556740125},{"text":"And one of the biggest things between Netwealth and Ethical Super is that Netwealth has a lot more investment options, and that's why we, as advisers, like these sorts of super funds, we can alter the investments within.","start":1561.9349,"end":1574.73,"sentiment":"neutral","sentiment_score":0.18323049596265742},{"text":"We can buy and sell and change portfolios because we have a wider range of investment options to choose from.","start":1574.9501,"end":1580.9701,"sentiment":"neutral","sentiment_score":0.17856722176074982},{"text":"Whereas within the industry funds like Ethical Super and Christian Super, you only have a very limited scope of what you're able to invest in.","start":1581.11,"end":1588.9149,"sentiment":"neutral","sentiment_score":-0.030289636701345445},{"text":"So there is that kind of aspect, but it's also gotta be what's comfortable.","start":1589.775,"end":1593.955,"sentiment":"neutral","sentiment_score":0.013093156656915588}],"sentiment":"neutral","sentiment_score":0.11497731939708651,"num_words":103,"start":1559.695,"end":1593.955},{"sentences":[{"text":"Would he like me to do the research around that and maybe update the advice documents update the advice to reflect these changes so then you can take the advice back and look at things as a whole and decide whether you would like to stay on board or whether you wanna go to ethical super.","start":1594.095,"end":1611.425,"sentiment":"neutral","sentiment_score":0.16396990298692668},{"text":"Is that an option that I might be able to undertake for you all?","start":1611.425,"end":1614.5651,"sentiment":"neutral","sentiment_score":0.18909401180488722},{"text":"Yep.","start":1626.42,"end":1626.66,"sentiment":"neutral","sentiment_score":0.1621587872505188},{"text":"You and, look, there's no obligation whatsoever.","start":1626.66,"end":1628.92,"sentiment":"neutral","sentiment_score":0.07412440063697952},{"text":"So if I go into the advice document and we come back in a few weeks and we go through it together and we decide that he's not comfortable proceeding, doesn't wish to go forward with this recommendation, he is under no obligation to do so.","start":1629.06,"end":1641.675,"sentiment":"neutral","sentiment_score":-0.02624091821844163}],"sentiment":"neutral","sentiment_score":0.09115788779191432,"num_words":124,"start":1594.095,"end":1641.675},{"sentences":[{"text":"It is absolutely fine.","start":1641.675,"end":1643.275,"sentiment":"neutral","sentiment_score":0.28645216673612595},{"text":"You can tell me that you don't wish to take it on board, and I will help move you back to ethical super.","start":1643.275,"end":1648.3151,"sentiment":"neutral","sentiment_score":0.22506623666571535},{"text":"So please don't feel like there is any obligation here.","start":1648.3151,"end":1651.055,"sentiment":"neutral","sentiment_score":-0.11204000655561686},{"text":"I'm just wanting to look at the options and show you guys how we can help, but also make sure that the advice is within his best interest.","start":1651.115,"end":1658.49,"sentiment":"positive","sentiment_score":0.33724682139498846},{"text":"And, you know, we're boosting super as much as possible.","start":1658.49,"end":1660.89,"sentiment":"positive","sentiment_score":0.4020410358905792}],"sentiment":"neutral","sentiment_score":0.2488700453688701,"num_words":75,"start":1641.675,"end":1660.89},{"sentences":[{"text":"Because as I've kind of mentioned, the the fact that the balance is quite low means that we really need to kinda get that up, get that moving the for his retirement to be a factor.","start":1660.89,"end":1673.205,"sentiment":"neutral","sentiment_score":-0.2619304541084502},{"text":"Because looking at things, does Valerie know what age he'd realistically like to stop working?","start":1673.205,"end":1679.125,"sentiment":"neutral","sentiment_score":-0.23430096507072448},{"text":"I know the last conversation was that he'd work as long as he possibly can.","start":1679.125,"end":1683.065,"sentiment":"neutral","sentiment_score":-0.03564154158035914},{"text":"But, realistically, what age would he like to retire?","start":1683.39,"end":1686.37,"sentiment":"neutral","sentiment_score":-0.05529980899559127},{"text":"Okay.","start":1716.2201,"end":1716.7001,"sentiment":"neutral","sentiment_score":0.06641708314418793}],"sentiment":"neutral","sentiment_score":-0.18302519928271832,"num_words":76,"start":1660.89,"end":1716.7001},{"sentences":[{"text":"Yeah.","start":1716.7001,"end":1717.02,"sentiment":"neutral","sentiment_score":0.17063522338867188},{"text":"Beautiful.","start":1717.02,"end":1717.5,"sentiment":"positive","sentiment_score":0.46506208181381226},{"text":"Well, if we were to focus on 60, because 60 is realistically the earliest that he's able to access his super.","start":1717.5,"end":1723.355,"sentiment":"neutral","sentiment_score":0.1329826224772703},{"text":"That essentially gives him a seven year time horizon because Vowie is 53 next month.","start":1724.055,"end":1729.915,"sentiment":"neutral","sentiment_score":0.0859820599357287},{"text":"So, realistically, it's a seven year time horizon.","start":1731.015,"end":1734.075,"sentiment":"neutral","sentiment_score":0.008753712143516168}],"sentiment":"neutral","sentiment_score":0.10408897768280914,"num_words":46,"start":1716.7001,"end":1734.075},{"sentences":[{"text":"And given the current balance we have between the two, we're looking at '85, '89 to $790,000.","start":1734.8899,"end":1741.37,"sentiment":"neutral","sentiment_score":-0.020144887131584042},{"text":"It's less than 100,000 so far.","start":1741.37,"end":1743.63,"sentiment":"neutral","sentiment_score":-0.25851204494635266},{"text":"That would not last very long.","start":1743.7699,"end":1746.11,"sentiment":"negative","sentiment_score":-0.44900915026664734},{"text":"And with the age pension aspect, you're not eligible for age pension until 67.","start":1746.33,"end":1752.065,"sentiment":"neutral","sentiment_score":-0.15685276154960906},{"text":"So we'd have to find a way if he wants to retire in seven years to be able to boost super as much as possible so he can draw income between 60 to 67 and then, hopefully, get age pension access from 67 onwards, which is absolutely fine, and we can certainly help with that.","start":1752.065,"end":1769.48,"sentiment":"neutral","sentiment_score":0.15544556419957767}],"sentiment":"neutral","sentiment_score":0.01802017466089099,"num_words":98,"start":1734.8899,"end":1769.48},{"sentences":[{"text":"But right now, we do need to do things to kinda boost his super a little bit more.","start":1769.62,"end":1773.88,"sentiment":"neutral","sentiment_score":0.039948754012584686},{"text":"Can I ask, does your mom work as well?","start":1774.915,"end":1776.755,"sentiment":"neutral","sentiment_score":0.02762031037774351},{"text":"Does she have any super to fall back on, or is Valley super the only thing you they have as a family to retire on?","start":1776.755,"end":1783.895,"sentiment":"neutral","sentiment_score":0.0122832802683115},{"text":"Okay.","start":1789.6799,"end":1790.08,"sentiment":"neutral","sentiment_score":0.17370909452438354},{"text":"Beautiful.","start":1790.08,"end":1790.58,"sentiment":"neutral","sentiment_score":0.31507420539855957}],"sentiment":"neutral","sentiment_score":0.03265788281957308,"num_words":54,"start":1769.62,"end":1790.58},{"sentences":[{"text":"Roughly, what might her balance be?","start":1790.88,"end":1792.72,"sentiment":"neutral","sentiment_score":-0.035337429493665695},{"text":"Does she know?","start":1792.72,"end":1793.7,"sentiment":"neutral","sentiment_score":-0.03801578345398108},{"text":"Okay.","start":1797.52,"end":1797.92,"sentiment":"neutral","sentiment_score":-0.06937156617641449},{"text":"So it's lower.","start":1797.92,"end":1798.98,"sentiment":"neutral","sentiment_score":-0.07813012351592381},{"text":"Yep.","start":1799.12,"end":1799.62,"sentiment":"neutral","sentiment_score":0.021797165274620056}],"sentiment":"neutral","sentiment_score":-0.04343119276953595,"num_words":14,"start":1790.88,"end":1799.62},{"sentences":[{"text":"That's okay.","start":1799.6799,"end":1800.5,"sentiment":"neutral","sentiment_score":0.17617474496364594},{"text":"That's okay.","start":1800.64,"end":1801.46,"sentiment":"neutral","sentiment_score":0.2421819344162941},{"text":"We'll we'll do what we can to help Maui move his super higher and sorta get things rolling a little bit more here so that we can, you know, have that to rely on.","start":1801.715,"end":1810.455,"sentiment":"neutral","sentiment_score":0.2788491402478779},{"text":"I'll focus on a base age of 60, but I'll also take into account 65 and 67 within the advice piece so we can look at where we're tracking for it in the next seven years, but also then if he keeps working, what this might look like.","start":1811.955,"end":1826.07,"sentiment":"neutral","sentiment_score":0.07911875234761585},{"text":"Just you get a a kind of overall picture of the circumstances and where we're projecting out.","start":1826.07,"end":1831.425,"sentiment":"neutral","sentiment_score":0.14202321627560785}],"sentiment":"neutral","sentiment_score":0.16048231957823905,"num_words":103,"start":1799.6799,"end":1831.425},{"sentences":[{"text":"Does that sound okay?","start":1831.425,"end":1832.485,"sentiment":"neutral","sentiment_score":0.11338054947555065},{"text":"Do you have any questions in relation to any of that?","start":1832.625,"end":1835.4451,"sentiment":"neutral","sentiment_score":0.03572444871745326},{"text":"No.","start":1837.8251,"end":1838.225,"sentiment":"neutral","sentiment_score":-0.009776987135410309},{"text":"That's okay.","start":1838.225,"end":1839.045,"sentiment":"neutral","sentiment_score":0.11648328602313995},{"text":"All good.","start":1839.425,"end":1840.145,"sentiment":"positive","sentiment_score":0.3950463533401489}],"sentiment":"neutral","sentiment_score":0.0929886712692678,"num_words":20,"start":1831.425,"end":1840.145},{"sentences":[{"text":"Good.","start":1840.145,"end":1840.645,"sentiment":"positive","sentiment_score":0.4256645441055298},{"text":"Beautiful.","start":1851.97,"end":1852.47,"sentiment":"positive","sentiment_score":0.4939845204353333},{"text":"Now the other thing I just wanted to touch on is with the new role.","start":1852.53,"end":1855.73,"sentiment":"neutral","sentiment_score":0.06956279166042804},{"text":"So Bowie is now working for Coffs Harbour Christian Community School.","start":1855.73,"end":1859.33,"sentiment":"neutral","sentiment_score":0.04394241439347917},{"text":"Is that right?","start":1859.33,"end":1860.23,"sentiment":"neutral","sentiment_score":0.02515565479795138}],"sentiment":"neutral","sentiment_score":0.0813524020054648,"num_words":31,"start":1840.145,"end":1860.23},{"sentences":[{"text":"Okay.","start":1864.9951,"end":1865.4951,"sentiment":"neutral","sentiment_score":0.006579499691724777},{"text":"Okay.","start":1871.2351,"end":1871.7351,"sentiment":"neutral","sentiment_score":0.08689560741186142},{"text":"Beautiful.","start":1872.035,"end":1872.535,"sentiment":"neutral","sentiment_score":0.3194665312767029},{"text":"Cleaner.","start":1873.65,"end":1874.15,"sentiment":"neutral","sentiment_score":0.1321384310722351},{"text":"And what kind of income is he expecting to earn this year as a casual cleaner?","start":1874.37,"end":1878.87,"sentiment":"neutral","sentiment_score":0.022468677896540612}],"sentiment":"neutral","sentiment_score":0.0452289457898587,"num_words":20,"start":1864.9951,"end":1878.87},{"sentences":[{"text":"Okay.","start":1890.9451,"end":1891.4451,"sentiment":"neutral","sentiment_score":-0.014906790107488632},{"text":"What is his average take home pay at the moment?","start":1891.505,"end":1894.305,"sentiment":"neutral","sentiment_score":-0.02346181161701679},{"text":"Does he know?","start":1894.305,"end":1895.2051,"sentiment":"neutral","sentiment_score":-0.016225254784027737},{"text":"2,500 per fortnight or per week?","start":1935.5901,"end":1938.465,"sentiment":"neutral","sentiment_score":-0.012060861568897963},{"text":"Per fortnight.","start":1940.865,"end":1941.605,"sentiment":"neutral","sentiment_score":0.007393209729343653}],"sentiment":"neutral","sentiment_score":-0.016171791844747284,"num_words":22,"start":1890.9451,"end":1941.605},{"sentences":[{"text":"Beautiful.","start":1941.6649,"end":1942.145,"sentiment":"positive","sentiment_score":0.35066846013069153},{"text":"Thank you so much for that.","start":1942.145,"end":1943.345,"sentiment":"positive","sentiment_score":0.5324329237143198},{"text":"And I will just show here that is take home pay.","start":1943.345,"end":1945.6849,"sentiment":"neutral","sentiment_score":0.23573486100543628},{"text":"Beautiful.","start":1946.5449,"end":1947.0449,"sentiment":"positive","sentiment_score":0.372334361076355},{"text":"And he's not currently making any salary sacrifice, so he hasn't opted to put any additional contributions to super.","start":1947.105,"end":1954.1699,"sentiment":"neutral","sentiment_score":0.0012209118392906692}],"sentiment":"neutral","sentiment_score":0.17194424103945494,"num_words":38,"start":1941.6649,"end":1954.1699},{"sentences":[{"text":"No.","start":1954.3099,"end":1954.8099,"sentiment":"neutral","sentiment_score":-0.15343958139419556},{"text":"Okay.","start":1958.7899,"end":1959.2899,"sentiment":"neutral","sentiment_score":-0.08865785598754883},{"text":"The chemicals.","start":1959.75,"end":1960.49,"sentiment":"neutral","sentiment_score":-0.1130627803504467},{"text":"What sort of chem what's the harshest chemicals he might use as part of his role?","start":1961.59,"end":1966.09,"sentiment":"neutral","sentiment_score":-0.130349803250283},{"text":"Okay.","start":1991.8501,"end":1992.3501,"sentiment":"neutral","sentiment_score":-0.049063049256801605}],"sentiment":"neutral","sentiment_score":-0.12394680473066512,"num_words":21,"start":1954.3099,"end":1992.3501},{"sentences":[{"text":"No.","start":1992.5701,"end":1992.9701,"sentiment":"neutral","sentiment_score":-0.09411166608333588},{"text":"No.","start":1992.9701,"end":1993.305,"sentiment":"neutral","sentiment_score":-0.0899096131324768},{"text":"That's okay.","start":1993.4651,"end":1994.2051,"sentiment":"neutral","sentiment_score":-0.03171440027654171},{"text":"Beautiful.","start":1995.7051,"end":1996.2051,"sentiment":"neutral","sentiment_score":0.1840957403182983},{"text":"I'll go back and do a little bit of research around the options.","start":1996.505,"end":1999.305,"sentiment":"neutral","sentiment_score":0.0706402646520963}],"sentiment":"neutral","sentiment_score":0.04749828339036968,"num_words":18,"start":1992.5701,"end":1999.305},{"sentences":[{"text":"But based on the questions I've got, it doesn't look too bad, but we'll go back and do a bit of additional research.","start":1999.305,"end":2004.505,"sentiment":"neutral","sentiment_score":0.008381407120791466},{"text":"If I find that we can't consolidate into Netwealth or we need to look at other options, I'll do that for you.","start":2004.505,"end":2011.28,"sentiment":"neutral","sentiment_score":0.01925338355993683},{"text":"The other thing I wanted to maybe look at doing was and, look, if this becomes too complicated, please let me know.","start":2011.66,"end":2017.66,"sentiment":"neutral","sentiment_score":-0.053023258562792434},{"text":"I wanna kind of look at making it easier.","start":2017.66,"end":2019.6799,"sentiment":"neutral","sentiment_score":-0.017492032299439114},{"text":"I can also assess Netwealth against other super funds out there.","start":2020.325,"end":2024.805,"sentiment":"neutral","sentiment_score":-0.004372213035821915}],"sentiment":"neutral","sentiment_score":-0.00868606345257026,"num_words":87,"start":1999.305,"end":2024.805},{"sentences":[{"text":"So there are other funds that might be lower in administration fees.","start":2024.805,"end":2029.445,"sentiment":"neutral","sentiment_score":-0.0002901594464977582},{"text":"It might be worth that we're moving out of both ethical super and Netwealth super and into an entirely new super fund.","start":2029.445,"end":2035.705,"sentiment":"neutral","sentiment_score":-0.04786713993631896},{"text":"If I recommend something like that, is he okay with me assessing all the different options and seeing where else it might be better for him to put his funds and how this might benefit him?","start":2036.01,"end":2047.0701,"sentiment":"neutral","sentiment_score":0.06293193649293648},{"text":"Yep.","start":2064.72,"end":2065.04,"sentiment":"neutral","sentiment_score":0.3072962164878845},{"text":"Beautiful.","start":2065.04,"end":2065.44,"sentiment":"positive","sentiment_score":0.4836588501930237}],"sentiment":"neutral","sentiment_score":0.027777024839855988,"num_words":72,"start":2024.805,"end":2065.44},{"sentences":[{"text":"I don't wanna over excellent.","start":2065.44,"end":2067.12,"sentiment":"neutral","sentiment_score":0.0605313777923584},{"text":"I don't wanna overcomplicate things for him, especially as you're interpreting things for him as well.","start":2067.12,"end":2072.56,"sentiment":"neutral","sentiment_score":0.04888275288976729},{"text":"But if there is another cheaper fund out there for it, it might be better for him to move out of those two funds wholly and move into something else.","start":2072.56,"end":2079.7048,"sentiment":"neutral","sentiment_score":-0.08311888426542283},{"text":"So I can look at all those additional options to see where things might work better for him if that's comfortable.","start":2079.845,"end":2085.7048,"sentiment":"neutral","sentiment_score":0.051482446846507844},{"text":"We can then come back.","start":2086.2449,"end":2087.365,"sentiment":"neutral","sentiment_score":0.05305757746100426}],"sentiment":"neutral","sentiment_score":-0.0008099522296484415,"num_words":77,"start":2065.44,"end":2087.365},{"sentences":[{"text":"We'll talk through the advice.","start":2087.365,"end":2088.805,"sentiment":"neutral","sentiment_score":0.08104366064071655},{"text":"You guys can take it back and read it as a family and talk it over.","start":2088.805,"end":2092.425,"sentiment":"neutral","sentiment_score":0.129151351749897},{"text":"Ask me any questions.","start":2092.83,"end":2094.1301,"sentiment":"neutral","sentiment_score":0.07828780077397823},{"text":"The all the advice we provide is valid for sixty days, so you have time to take that back to review it, to read it, and to come back and ask me additional questions if you need to do so.","start":2094.51,"end":2104.905,"sentiment":"neutral","sentiment_score":0.11209821105003356},{"text":"Does that sound okay?","start":2104.985,"end":2106.205,"sentiment":"neutral","sentiment_score":0.08319376222789288}],"sentiment":"neutral","sentiment_score":0.11016658877117047,"num_words":69,"start":2087.365,"end":2106.205},{"sentences":[{"text":"Yeah.","start":2108.665,"end":2109.165,"sentiment":"neutral","sentiment_score":0.23322245478630063},{"text":"Beautiful.","start":2109.305,"end":2109.805,"sentiment":"positive","sentiment_score":0.6501803398132324},{"text":"Fantastic.","start":2110.0251,"end":2110.5251,"sentiment":"positive","sentiment_score":0.6626887321472168},{"text":"The other things I just wanted to sort of touch on now, going back to that email there, underneath that, bow, he does have his ClearView life and TBD policy.","start":2111.865,"end":2121.25,"sentiment":"neutral","sentiment_score":0.10940478841463724},{"text":"Does he understand how those insurance policies work, how they pay out?","start":2122.03,"end":2125.87,"sentiment":"neutral","sentiment_score":0.05409314980109533}],"sentiment":"neutral","sentiment_score":0.12171895503997802,"num_words":45,"start":2108.665,"end":2125.87},{"sentences":[{"text":"Does he have any questions about the insurances within ClearView at all?","start":2125.87,"end":2130.37,"sentiment":"neutral","sentiment_score":0.04177772346884012},{"text":"He's all good.","start":2138.055,"end":2139.115,"sentiment":"positive","sentiment_score":0.37465272347132367},{"text":"Beautiful.","start":2139.4949,"end":2139.9949,"sentiment":"positive","sentiment_score":0.4741945266723633},{"text":"With the the life and TPD policy that he holds there, the sum insured is $713,006.00 4.","start":2140.215,"end":2146.7102,"sentiment":"neutral","sentiment_score":0.11191750252071549},{"text":"Is he happy with that level of cover?","start":2146.7102,"end":2148.6301,"sentiment":"neutral","sentiment_score":0.11863947939127684}],"sentiment":"neutral","sentiment_score":0.12076094528523887,"num_words":41,"start":2125.87,"end":2148.6301},{"sentences":[{"text":"Did he wanna review that or anything?","start":2148.6301,"end":2152.09,"sentiment":"neutral","sentiment_score":0.03783281120870795},{"text":"That's all good.","start":2159.525,"end":2160.325,"sentiment":"positive","sentiment_score":0.39997262756029767},{"text":"Beautiful.","start":2160.325,"end":2160.825,"sentiment":"positive","sentiment_score":0.5913949608802795},{"text":"Perfect.","start":2161.045,"end":2161.545,"sentiment":"positive","sentiment_score":0.5725692510604858},{"text":"I will if it's easier for you as well after the call, I'll do a little bit of an email recap.","start":2162.085,"end":2167.045,"sentiment":"neutral","sentiment_score":0.25806710053057896}],"sentiment":"neutral","sentiment_score":0.2438824510371143,"num_words":33,"start":2148.6301,"end":2167.045},{"sentences":[{"text":"I can send it to Bowery as well as yourself and maybe Ruth if you'd like to as well.","start":2167.045,"end":2171.49,"sentiment":"neutral","sentiment_score":0.17909828142115944},{"text":"That way, you're all encompassed into the conversation with what we're looking to do.","start":2171.55,"end":2175.73,"sentiment":"neutral","sentiment_score":0.20457341628415243},{"text":"Advice wise, the research I'll conduct, but it also just recaps the conversation as well just so you have that in case you need it.","start":2175.9502,"end":2183.47,"sentiment":"neutral","sentiment_score":0.1658182491362095},{"text":"Is that something you guys would prefer to have after the call as well?","start":2183.47,"end":2187.395,"sentiment":"neutral","sentiment_score":0.030177155509591103},{"text":"Yep.","start":2188.575,"end":2189.075,"sentiment":"positive","sentiment_score":0.3823821544647217}],"sentiment":"neutral","sentiment_score":0.15366046212307394,"num_words":73,"start":2167.045,"end":2189.075},{"sentences":[{"text":"Beautiful.","start":2189.2952,"end":2189.7952,"sentiment":"positive","sentiment_score":0.7199536561965942},{"text":"Fantastic.","start":2189.935,"end":2190.435,"sentiment":"positive","sentiment_score":0.6364306211471558},{"text":"On that document there, you'll notice underneath the ClearView policy, you've got the premiums noted there.","start":2191.855,"end":2197.135,"sentiment":"neutral","sentiment_score":0.14077920652925968},{"text":"Now it does essentially show that for the year, for having his wife and TPD paid out of the Netwealth Fund, the insurer receives the top premium, the 8,255.","start":2197.135,"end":2209.8,"sentiment":"neutral","sentiment_score":0.09531360620568538},{"text":"He has actually paid 7,017 for these insurances.","start":2210.34,"end":2214.04,"sentiment":"neutral","sentiment_score":0.09054229035973549}],"sentiment":"neutral","sentiment_score":0.12904153608463026,"num_words":55,"start":2189.2952,"end":2214.04},{"sentences":[{"text":"Essentially, when you pay these insurances out of Sufi, you do actually get a a bit of a rebate or a 15% discount on that.","start":2215.2952,"end":2222.2751,"sentiment":"neutral","sentiment_score":0.11697943776845932},{"text":"So that's why he's only paid the 7,017, but the insurer receives the higher amount.","start":2222.655,"end":2227.95,"sentiment":"neutral","sentiment_score":0.04583591918150584},{"text":"Does that have any does that make sense?","start":2228.03,"end":2229.8699,"sentiment":"neutral","sentiment_score":0.03936703340150416},{"text":"Do you have any questions?","start":2229.8699,"end":2231.01,"sentiment":"neutral","sentiment_score":0.018065518513321877},{"text":"That's okay.","start":2236.27,"end":2236.99,"sentiment":"neutral","sentiment_score":0.1546493023633957}],"sentiment":"neutral","sentiment_score":0.07866522175344554,"num_words":55,"start":2215.2952,"end":2236.99},{"sentences":[{"text":"If you please let me know if any please let me know if there's any questions that come up, if you need me to clarify anything for yourself at all as well just to make make it sure it's all clear across the broad.","start":2236.99,"end":2246.925,"sentiment":"neutral","sentiment_score":0.05240580756005577},{"text":"Beautiful.","start":2246.925,"end":2247.425,"sentiment":"neutral","sentiment_score":0.18390965461730957},{"text":"The income protection within the ethical super is noted below that.","start":2248.845,"end":2252.685,"sentiment":"neutral","sentiment_score":0.03738180852749131},{"text":"So that is paid on a monthly basis out of the ethical super fund.","start":2252.685,"end":2256.05,"sentiment":"neutral","sentiment_score":0.037793392847691266},{"text":"That's $31 and 40 as a monthly premium, and it essentially covers him for 46,800.","start":2256.05,"end":2262.93,"sentiment":"neutral","sentiment_score":0.04237210030357043}],"sentiment":"neutral","sentiment_score":0.047831224535098846,"num_words":85,"start":2236.99,"end":2262.93},{"sentences":[{"text":"That would be the yearly amount.","start":2262.93,"end":2264.55,"sentiment":"neutral","sentiment_score":0.04286276921629906},{"text":"So if he was on an income protection claim, that yearly amount would be deduct be broken down to a monthly amount, essentially.","start":2264.77,"end":2272.195,"sentiment":"neutral","sentiment_score":0.03485600164403086},{"text":"Okay?","start":2272.4949,"end":2272.9949,"sentiment":"neutral","sentiment_score":0.02677486464381218},{"text":"Excellent.","start":2274.415,"end":2274.915,"sentiment":"neutral","sentiment_score":0.3121201992034912},{"text":"The next document out in that is the Netwealth asset performance detail report.","start":2275.935,"end":2281.48,"sentiment":"neutral","sentiment_score":0.1300042191377053}],"sentiment":"neutral","sentiment_score":0.07017760376699946,"num_words":44,"start":2262.93,"end":2281.48},{"sentences":[{"text":"So it does essentially show that for this year, as a whole, the portfolio has returned a positive return of 4,083 doll sorry.","start":2281.48,"end":2291.3198,"sentiment":"neutral","sentiment_score":0.1347973464137834},{"text":"$4.4.83 percent.","start":2291.3198,"end":2293.085,"sentiment":"neutral","sentiment_score":0.03294297121465206},{"text":"I do apologize.","start":2293.085,"end":2293.9849,"sentiment":"neutral","sentiment_score":-0.04006647194425265},{"text":"It is income of a bit over $3,400.","start":2294.285,"end":2297.4849,"sentiment":"neutral","sentiment_score":-0.0903455758234486},{"text":"So as I kinda mentioned, the return is much lower for this year.","start":2297.4849,"end":2300.845,"sentiment":"negative","sentiment_score":-0.35927290526720196}],"sentiment":"neutral","sentiment_score":-0.04790381389689081,"num_words":49,"start":2281.48,"end":2300.845},{"sentences":[{"text":"I'm not a 100% happy with the return that it has provided.","start":2300.845,"end":2303.7449,"sentiment":"negative","sentiment_score":-0.5538155287504196},{"text":"Would like to see certainly more for the risk profile that he is in.","start":2303.885,"end":2307.505,"sentiment":"neutral","sentiment_score":-0.24386353098920413},{"text":"However, there are years where we see a lower rate of return because markets might not be performing as well, and this year was one of those.","start":2307.99,"end":2315.21,"sentiment":"neutral","sentiment_score":-0.14037140955527624},{"text":"Essentially, with seeing what happened between The US and the Iran war, but also here within Australia, which had very high inflationary rates.","start":2315.67,"end":2324.165,"sentiment":"neutral","sentiment_score":-0.07047097384929657},{"text":"Those sorts of things have affected the market.","start":2324.385,"end":2326.785,"sentiment":"neutral","sentiment_score":-0.13884485512971878}],"sentiment":"neutral","sentiment_score":-0.1973987509097372,"num_words":84,"start":2300.845,"end":2326.785},{"sentences":[{"text":"So we know we we do see years of lower returns.","start":2326.785,"end":2330.165,"sentiment":"neutral","sentiment_score":0.037331614304672585},{"text":"I am happy that he has got a positive return for this year, and I do wanna kinda build on that for him.","start":2331.105,"end":2336.6501,"sentiment":"positive","sentiment_score":0.6268560083016105},{"text":"Does that make sense?","start":2336.6501,"end":2337.61,"sentiment":"neutral","sentiment_score":0.22239650413393974},{"text":"And does either of you have any questions?","start":2337.61,"end":2339.6301,"sentiment":"neutral","sentiment_score":0.04368189559318125},{"text":"That's okay.","start":2342.97,"end":2343.87,"sentiment":"neutral","sentiment_score":0.3001764118671417}],"sentiment":"positive","sentiment_score":0.3472443740271653,"num_words":48,"start":2326.785,"end":2343.87},{"sentences":[{"text":"Beautiful.","start":2344.01,"end":2344.51,"sentiment":"positive","sentiment_score":0.41285425424575806},{"text":"The next document in there, I believe you should see is the Vanguard index chart.","start":2345.77,"end":2350.925,"sentiment":"neutral","sentiment_score":0.08644193783402443},{"text":"That is just a bit of a guide on how markets performed.","start":2350.925,"end":2354.0652,"sentiment":"neutral","sentiment_score":0.08181042814006408},{"text":"It doesn't have any kind of reflection on his super as a whole.","start":2354.205,"end":2357.8252,"sentiment":"neutral","sentiment_score":0.03344506727388272},{"text":"But, essentially, with the Vanguard index chart, it shows how markets go up and down.","start":2358.2852,"end":2364.8599,"sentiment":"neutral","sentiment_score":0.04668166761596997}],"sentiment":"neutral","sentiment_score":0.06832534550423068,"num_words":56,"start":2344.01,"end":2364.8599},{"sentences":[{"text":"And when we have good years, we also expect lower years as well.","start":2364.8599,"end":2368.78,"sentiment":"neutral","sentiment_score":0.010680356277869297},{"text":"So it is just a bit of a guide.","start":2368.78,"end":2370.5598,"sentiment":"neutral","sentiment_score":0.03931109938356611},{"text":"I won't go into it on a huge amount of detail, but do you have any questions about masters as a whole about investing or anything around the portfolio?","start":2371.42,"end":2379.7048,"sentiment":"neutral","sentiment_score":0.016524063102130233},{"text":"That's okay?","start":2383.9248,"end":2384.825,"sentiment":"neutral","sentiment_score":0.04226577654480934},{"text":"Beautiful.","start":2384.885,"end":2385.385,"sentiment":"neutral","sentiment_score":0.19537945091724396}],"sentiment":"neutral","sentiment_score":0.02318061777838954,"num_words":54,"start":2364.8599,"end":2385.385},{"sentences":[{"text":"The next document you should see in there is probably the Clearview certificate certificate of currency.","start":2386.61,"end":2392.31,"sentiment":"neutral","sentiment_score":0.04525899910368025},{"text":"Can you see that document there?","start":2392.37,"end":2394.23,"sentiment":"neutral","sentiment_score":0.024387754189471405},{"text":"That that's okay.","start":2401.0251,"end":2401.985,"sentiment":"neutral","sentiment_score":0.025072691962122917},{"text":"So that's the that's the financial services guide.","start":2401.985,"end":2404.7852,"sentiment":"neutral","sentiment_score":0.023147885221987963},{"text":"What's the one beyond that?","start":2404.7852,"end":2407.125,"sentiment":"neutral","sentiment_score":0.003219473548233509}],"sentiment":"neutral","sentiment_score":0.03018339568945138,"num_words":38,"start":2386.61,"end":2407.125},{"sentences":[{"text":"Yeah.","start":2407.665,"end":2408.165,"sentiment":"neutral","sentiment_score":0.008563784882426262},{"text":"Beautiful.","start":2410.385,"end":2410.885,"sentiment":"neutral","sentiment_score":0.1249089315533638},{"text":"Sorry.","start":2411.345,"end":2411.745,"sentiment":"neutral","sentiment_score":-0.03493238613009453},{"text":"I'm just looking at the stuff file.","start":2411.745,"end":2413.105,"sentiment":"neutral","sentiment_score":-0.05270176327654293},{"text":"I can't quite see the kinda guessing which document is the next one.","start":2413.105,"end":2417.75,"sentiment":"neutral","sentiment_score":-0.04750748107639643}],"sentiment":"neutral","sentiment_score":-0.03860735941840255,"num_words":23,"start":2407.665,"end":2417.75},{"sentences":[{"text":"Apologies.","start":2417.75,"end":2418.25,"sentiment":"neutral","sentiment_score":-0.06551729887723923},{"text":"You're fine.","start":2419.03,"end":2419.85,"sentiment":"neutral","sentiment_score":-0.0005406108684837818},{"text":"What's the next document you can see there?","start":2420.31,"end":2422.6501,"sentiment":"neutral","sentiment_score":0.006571559468284249},{"text":"Yep.","start":2425.51,"end":2425.9102,"sentiment":"neutral","sentiment_score":0.04093500971794128},{"text":"Yep.","start":2425.9102,"end":2426.325,"sentiment":"neutral","sentiment_score":0.07826428860425949}],"sentiment":"neutral","sentiment_score":0.00809025026571292,"num_words":13,"start":2417.75,"end":2426.325},{"sentences":[{"text":"Beautiful.","start":2426.4849,"end":2426.805,"sentiment":"neutral","sentiment_score":0.22685322165489197},{"text":"So that's as you get a currency.","start":2426.805,"end":2428.2449,"sentiment":"neutral","sentiment_score":0.10952520370483398},{"text":"It's just showing you an in-depth of the in-depth policy with the ClearView policy there a bit more detail around his cover.","start":2428.2449,"end":2435.4648,"sentiment":"neutral","sentiment_score":0.07422568623653868},{"text":"And if you click next, you should then see, I believe, the ongoing fee agreement.","start":2435.765,"end":2440.345,"sentiment":"neutral","sentiment_score":0.022951978941758475},{"text":"Can you see that one there at all?","start":2440.98,"end":2443.4,"sentiment":"neutral","sentiment_score":0.02205894631333649}],"sentiment":"neutral","sentiment_score":0.0593819999891632,"num_words":53,"start":2426.4849,"end":2443.4},{"sentences":[{"text":"That's the one.","start":2445.54,"end":2446.6,"sentiment":"neutral","sentiment_score":0.09516402830680211},{"text":"Yeah.","start":2446.66,"end":2447.16,"sentiment":"neutral","sentiment_score":0.1368582248687744},{"text":"So for our services, because we're financial advisers, we are a professional service, and we provide advice for looking after his super and helping him meet his goals and working forward.","start":2447.54,"end":2458.045,"sentiment":"positive","sentiment_score":0.40590077782830886},{"text":"In order to do our job, we do charge an ongoing service fee for doing so.","start":2458.265,"end":2462.685,"sentiment":"neutral","sentiment_score":0.13055357243865728},{"text":"Our ongoing service fee is 1.65% when the balance is less than 200,000 within super.","start":2463.065,"end":2469.165,"sentiment":"neutral","sentiment_score":0.13664441804091135}],"sentiment":"neutral","sentiment_score":0.25975451291059004,"num_words":66,"start":2445.54,"end":2469.165},{"sentences":[{"text":"And this is only factored into the balance within the Netwealth account there as well.","start":2469.51,"end":2473.35,"sentiment":"neutral","sentiment_score":0.1717648262778918},{"text":"We don't charge any of the fees for the ethical super balance because we're not able to we don't have any we only have an authority to inquire on that account there, so we're not able to charge any sort of fees out of that.","start":2473.35,"end":2485.1301,"sentiment":"neutral","sentiment_score":0.07940868784983952},{"text":"This essentially the way it works is we charge 1.65 percent on a yearly basis, and our ongoing service fee is deducted in smaller monthly increments out of the super fund.","start":2485.715,"end":2497.41,"sentiment":"neutral","sentiment_score":0.30622727688281765},{"text":"And that allows us to continue providing our services, making sure we do regular catch ups, making sure we do the annual reviews, and also update the advice to keep the super working harder.","start":2497.49,"end":2507.91,"sentiment":"positive","sentiment_score":0.5263399332761765},{"text":"Essentially, this document here on the first page, if you look a little bit below, one of the blue headings should be you will pay for the following ongoing service fees.","start":2508.93,"end":2519.355,"sentiment":"neutral","sentiment_score":0.07708216542678495}],"sentiment":"neutral","sentiment_score":0.23030778070768484,"num_words":156,"start":2469.51,"end":2519.355},{"sentences":[{"text":"It actually shows for the year, the ongoing service fee that Valley will pay to us is $1,308.25.","start":2519.815,"end":2528.95,"sentiment":"neutral","sentiment_score":0.07950692934294541},{"text":"Can you see that there?","start":2528.95,"end":2530.5698,"sentiment":"neutral","sentiment_score":0.012379720620810986},{"text":"Yep.","start":2532.23,"end":2532.63,"sentiment":"neutral","sentiment_score":0.04801750183105469},{"text":"Essentially.","start":2532.63,"end":2533.1099,"sentiment":"neutral","sentiment_score":0.04587417095899582},{"text":"So we make that into a fixed dollar fee.","start":2533.1099,"end":2535.03,"sentiment":"neutral","sentiment_score":0.10402203516827689}],"sentiment":"neutral","sentiment_score":0.07420921531122397,"num_words":34,"start":2519.815,"end":2535.03},{"sentences":[{"text":"We work out how much he's expected to pay for the year based on the 1.65%.","start":2535.03,"end":2540.01,"sentiment":"neutral","sentiment_score":0.18080654833465815},{"text":"It is encompassing about 5% growth under the fund there, and he won't pay any more regardless of what happens with with the super.","start":2540.535,"end":2548.4749,"sentiment":"neutral","sentiment_score":0.1363892937079072},{"text":"But we just like to disclose that, have it sitting there, letting you know that we do charge a fee.","start":2548.9348,"end":2553.575,"sentiment":"neutral","sentiment_score":0.17378757894039154},{"text":"We are a professional service, and we do look after it.","start":2553.575,"end":2556.66,"sentiment":"positive","sentiment_score":0.3629439283501018},{"text":"But there's no additional fees for the ongoing advice, like, for the next advice piece.","start":2556.66,"end":2561.3,"sentiment":"neutral","sentiment_score":0.2943691412607829}],"sentiment":"neutral","sentiment_score":0.20988278758040693,"num_words":86,"start":2535.03,"end":2561.3},{"sentences":[{"text":"There's no implementation cost around that.","start":2561.3,"end":2563.3,"sentiment":"neutral","sentiment_score":0.2584412321448326},{"text":"It's all encompassed into this ongoing service fee.","start":2563.3,"end":2566.3398,"sentiment":"positive","sentiment_score":0.376892127096653},{"text":"Does that make sense?","start":2566.3398,"end":2567.3,"sentiment":"neutral","sentiment_score":0.19050556235015392},{"text":"And do either of you have any questions?","start":2567.3,"end":2569.3198,"sentiment":"neutral","sentiment_score":0.00988227769266814},{"text":"That all make sense?","start":2573.635,"end":2574.855,"sentiment":"neutral","sentiment_score":-0.07592475041747093}],"sentiment":"neutral","sentiment_score":0.17010552929714323,"num_words":30,"start":2561.3,"end":2574.855},{"sentences":[{"text":"Yep.","start":2576.355,"end":2576.7551,"sentiment":"neutral","sentiment_score":0.1873359978199005},{"text":"Beautiful.","start":2576.7551,"end":2577.2551,"sentiment":"positive","sentiment_score":0.4276793599128723},{"text":"Essentially, once you're welcome to take this back and have a bit of a look at the documents prior to you signing them.","start":2577.715,"end":2583.01,"sentiment":"neutral","sentiment_score":0.20418672198834625},{"text":"But if that way, he does wanna retain us as his advisers to the moment in order to kind of look at the advice and do everything that I will be doing.","start":2583.01,"end":2589.91,"sentiment":"neutral","sentiment_score":0.1645023098681122},{"text":"We do ask that you sign and return that back so we can keep looking after everything for you guys.","start":2590.21,"end":2595.27,"sentiment":"neutral","sentiment_score":0.1610675308853388}],"sentiment":"neutral","sentiment_score":0.17917837009027407,"num_words":77,"start":2576.355,"end":2595.27},{"sentences":[{"text":"As I kinda mentioned before, once I do provide the advice to you, if you decide you no longer want our services, wanna roll back into Ethical Super, you are more than welcome to let us know that there are no locking contracts for our services, and we can cancel this anytime should you wanna cease those services and move into another fund at all.","start":2595.995,"end":2615.47,"sentiment":"neutral","sentiment_score":0.07376029035792901},{"text":"Does that make sense?","start":2615.47,"end":2616.35,"sentiment":"neutral","sentiment_score":0.05414243321865797},{"text":"And do you have any questions?","start":2616.35,"end":2617.73,"sentiment":"neutral","sentiment_score":0.010271484187493721},{"text":"That makes sense?","start":2620.43,"end":2621.47,"sentiment":"neutral","sentiment_score":-0.004742863277594249},{"text":"Beautiful.","start":2621.47,"end":2621.97,"sentiment":"positive","sentiment_score":0.3729366958141327}],"sentiment":"neutral","sentiment_score":0.06875095718033329,"num_words":79,"start":2595.995,"end":2621.97},{"sentences":[{"text":"Just wanna make sure that everything is nice and clear, and I'm honest and open with everything so you have all the information that you all need to be able to make an informed decision.","start":2622.11,"end":2631.885,"sentiment":"neutral","sentiment_score":0.3301917863743646},{"text":"Okay?","start":2632.105,"end":2632.605,"sentiment":"neutral","sentiment_score":0.15425826609134674},{"text":"Beautiful.","start":2634.585,"end":2635.085,"sentiment":"positive","sentiment_score":0.40198689699172974},{"text":"Just for your preference as well, the ongoing sorry.","start":2635.625,"end":2639.145,"sentiment":"neutral","sentiment_score":0.16821231444676718},{"text":"The OP Financial Services guide that you did see a while ago, I will attach that to the email shortly as well for you with the recap and the information to be provided after the call.","start":2639.145,"end":2649.74,"sentiment":"neutral","sentiment_score":0.14886779172552955}],"sentiment":"neutral","sentiment_score":0.23153791485763178,"num_words":82,"start":2622.11,"end":2649.74},{"sentences":[{"text":"But that essentially runs you through everything about our services, who we are, what we do as advisers, our fee structure, and all the advice that we're able to provide to you guys as well.","start":2649.74,"end":2659.0852,"sentiment":"neutral","sentiment_score":0.18843462424618856},{"text":"So if I attach that to the recast email, it means that you and Ruth will also have a copy of that document.","start":2659.0852,"end":2665.9526,"sentiment":"neutral","sentiment_score":0.16012764624927356},{"text":"So you guys understand who we are, what we do, and also, Vowie's well informed.","start":2665.9526,"end":2675.24,"sentiment":"neutral","sentiment_score":0.22541642983754476},{"text":"Does that make sense?","start":2675.3,"end":2676.4402,"sentiment":"neutral","sentiment_score":0.09852766618132591},{"text":"Yeah.","start":2678.275,"end":2678.515,"sentiment":"neutral","sentiment_score":0.12988683581352234}],"sentiment":"neutral","sentiment_score":0.18183835462117806,"num_words":78,"start":2649.74,"end":2678.515},{"sentences":[{"text":"Beautiful.","start":2678.515,"end":2678.9949,"sentiment":"neutral","sentiment_score":0.2643865644931793},{"text":"Do you have any questions about how we do our job, how advisers work, or how advice works, or any of what we've gone through so far for yourself?","start":2678.9949,"end":2686.535,"sentiment":"neutral","sentiment_score":0.10974461816508195},{"text":"You're all good.","start":2689.395,"end":2690.295,"sentiment":"neutral","sentiment_score":-0.06940072526534398},{"text":"Beautiful.","start":2691.315,"end":2691.815,"sentiment":"positive","sentiment_score":0.35499513149261475},{"text":"Excellent.","start":2691.955,"end":2692.455,"sentiment":"positive","sentiment_score":0.4453104734420776}],"sentiment":"neutral","sentiment_score":0.11540239772626332,"num_words":35,"start":2678.515,"end":2692.455},{"sentences":[{"text":"Thank you so much for that.","start":2692.515,"end":2693.91,"sentiment":"positive","sentiment_score":0.57308562596639},{"text":"That is essentially the the audio sign there.","start":2694.15,"end":2696.47,"sentiment":"neutral","sentiment_score":0.14356588199734688},{"text":"So if that way, he's happy to do so.","start":2696.47,"end":2698.39,"sentiment":"positive","sentiment_score":0.6044605208767785},{"text":"We just need him to sign and return those documents back.","start":2698.39,"end":2701.77,"sentiment":"neutral","sentiment_score":0.21923793039538644},{"text":"As I kinda mentioned, he is welcome to take some time to reach you that prior to signing.","start":2701.99,"end":2706.3298,"sentiment":"neutral","sentiment_score":0.2992037849293815}],"sentiment":"positive","sentiment_score":0.34277828582204306,"num_words":52,"start":2692.515,"end":2706.3298},{"sentences":[{"text":"You're under no obligation to sign without, you know, without taking some time to think about.","start":2706.565,"end":2711.205,"sentiment":"neutral","sentiment_score":0.24960886221379042},{"text":"That's no problem at all.","start":2711.205,"end":2712.665,"sentiment":"positive","sentiment_score":0.484226131439209},{"text":"If he is comfortable to do so, we just get him to sign and return those documents back, and I will do the research around the advice piece for you guys.","start":2712.965,"end":2720.5051,"sentiment":"neutral","sentiment_score":0.31898493103442654},{"text":"The last all good.","start":2721.8499,"end":2724.81,"sentiment":"neutral","sentiment_score":0.17364179156720638},{"text":"Sorry.","start":2724.81,"end":2725.31,"sentiment":"neutral","sentiment_score":-0.0030674804002046585}],"sentiment":"neutral","sentiment_score":0.298156228079869,"num_words":57,"start":2706.565,"end":2725.31},{"sentences":[{"text":"Sorry about that.","start":2728.49,"end":2729.47,"sentiment":"neutral","sentiment_score":-0.025373312334219616},{"text":"Excellent.","start":2731.21,"end":2731.71,"sentiment":"positive","sentiment_score":0.4055492877960205},{"text":"I just wanted to run through a couple of additional details just to update the rest of the circumstances I have here.","start":2732.17,"end":2738.555,"sentiment":"neutral","sentiment_score":0.2211133526130156},{"text":"Now the main primary residence there, we had a value last time.","start":2738.855,"end":2743.175,"sentiment":"neutral","sentiment_score":0.04357061364377538},{"text":"We were able to catch up of around 800,000.","start":2743.175,"end":2746.075,"sentiment":"neutral","sentiment_score":0.07129596090979046}],"sentiment":"neutral","sentiment_score":0.13528583234453456,"num_words":47,"start":2728.49,"end":2746.075},{"sentences":[{"text":"How how much what sort of value would Vowie and his wife put on put on that property now?","start":2747.0151,"end":2754.5999,"sentiment":"neutral","sentiment_score":0.017946548759937286},{"text":"Yep.","start":2777.73,"end":2778.23,"sentiment":"neutral","sentiment_score":0.07833985239267349},{"text":"Beautiful.","start":2778.3699,"end":2778.8699,"sentiment":"positive","sentiment_score":0.3540046811103821},{"text":"Excellent.","start":2779.73,"end":2780.23,"sentiment":"positive","sentiment_score":0.35497426986694336},{"text":"And then I also had a loan still owing on the property of around 550,000.","start":2781.3298,"end":2786.865,"sentiment":"neutral","sentiment_score":0.05287503711879253}],"sentiment":"neutral","sentiment_score":0.05193050774569447,"num_words":37,"start":2747.0151,"end":2786.865},{"sentences":[{"text":"Have they been able to reduce that loan a little bit?","start":2786.865,"end":2789.445,"sentiment":"neutral","sentiment_score":-0.0004901550710201263},{"text":"Yep.","start":2798.625,"end":2798.91,"sentiment":"neutral","sentiment_score":0.006087791174650192},{"text":"Yep.","start":2799.7898,"end":2800.27,"sentiment":"neutral","sentiment_score":0.005636624991893768},{"text":"What's the value of the loan at the moment?","start":2800.27,"end":2802.3699,"sentiment":"neutral","sentiment_score":-0.007136151815454165},{"text":"Okay.","start":2835.97,"end":2836.47,"sentiment":"neutral","sentiment_score":0.007585950661450624}],"sentiment":"neutral","sentiment_score":-0.0021872480561875777,"num_words":23,"start":2786.865,"end":2836.47},{"sentences":[{"text":"Yep.","start":2836.6099,"end":2837.09,"sentiment":"neutral","sentiment_score":0.06711624562740326},{"text":"Beautiful.","start":2837.09,"end":2837.59,"sentiment":"neutral","sentiment_score":0.2417456954717636},{"text":"And are they sort of hoping to have that fully paid off in the next few years for retirement, or is it a known fact they may go into retirement still having money owing on the loan?","start":2838.125,"end":2848.785,"sentiment":"neutral","sentiment_score":0.020600125143254124},{"text":"What was their goal around that property and the debt?","start":2849.005,"end":2851.585,"sentiment":"neutral","sentiment_score":-0.014484479278326034},{"text":"Sorry.","start":2851.645,"end":2852.145,"sentiment":"neutral","sentiment_score":-0.07498113811016083}],"sentiment":"neutral","sentiment_score":0.017024812810122966,"num_words":50,"start":2836.6099,"end":2852.145},{"sentences":[{"text":"Try to pay off.","start":2856.58,"end":2857.72,"sentiment":"neutral","sentiment_score":-0.04371389700099826},{"text":"That's okay.","start":2864.6602,"end":2865.48,"sentiment":"neutral","sentiment_score":-0.002253866754472255},{"text":"As soon as possible.","start":2867.635,"end":2868.6948,"sentiment":"neutral","sentiment_score":0.023448961786925793},{"text":"Beautiful.","start":2868.835,"end":2869.335,"sentiment":"neutral","sentiment_score":0.2204969227313995},{"text":"Are they making extra repayments onto that to try and reduce it as fast as possible?","start":2873.555,"end":2884.1,"sentiment":"neutral","sentiment_score":0.09489266760647297}],"sentiment":"neutral","sentiment_score":0.06123007889147158,"num_words":27,"start":2856.58,"end":2884.1},{"sentences":[{"text":"Yep.","start":2885.28,"end":2885.78,"sentiment":"neutral","sentiment_score":0.11056529730558395},{"text":"Yep.","start":2886.56,"end":2887.06,"sentiment":"neutral","sentiment_score":0.1088726446032524},{"text":"Yep.","start":2887.12,"end":2887.62,"sentiment":"neutral","sentiment_score":0.09883534163236618},{"text":"On top.","start":2887.6802,"end":2888.24,"sentiment":"neutral","sentiment_score":0.14978893101215363},{"text":"Beautiful.","start":2888.24,"end":2888.74,"sentiment":"positive","sentiment_score":0.4309060573577881}],"sentiment":"neutral","sentiment_score":0.17479286715388298,"num_words":6,"start":2885.28,"end":2888.74},{"sentences":[{"text":"Fantastic.","start":2888.9602,"end":2889.4602,"sentiment":"positive","sentiment_score":0.4573976993560791},{"text":"Other assets I had noted here was a car, and I do apologize.","start":2890.795,"end":2895.0352,"sentiment":"neutral","sentiment_score":0.03066195662205036},{"text":"I believe it's a Toyota Hilux is what I had noted here.","start":2895.0352,"end":2898.075,"sentiment":"neutral","sentiment_score":0.005667613178957254},{"text":"Do they still have that 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okay.","start":2951.7751,"end":2952.495,"sentiment":"neutral","sentiment_score":0.1570426970720291},{"text":"Not a problem at all.","start":2952.495,"end":2953.7751,"sentiment":"neutral","sentiment_score":0.16153905689716339},{"text":"I also had contents.","start":2953.7751,"end":2955.055,"sentiment":"neutral","sentiment_score":0.06637333426624537},{"text":"So I like to note contents down as an asset as well because we all have insurance to cover our contents if something was to happen to it.","start":2955.055,"end":2962.55,"sentiment":"neutral","sentiment_score":0.09534830546804837},{"text":"And if you think about your house, you tip it upside down, everything falls out.","start":2962.55,"end":2966.25,"sentiment":"neutral","sentiment_score":0.03147146453460058}],"sentiment":"neutral","sentiment_score":0.08387219512628184,"num_words":54,"start":2951.7751,"end":2966.25},{"sentences":[{"text":"If something happened, you had to replace loads of items that could cost quite a lot of 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think?","start":2999.305,"end":3001.885,"sentiment":"neutral","sentiment_score":0.036795096264945135}],"sentiment":"neutral","sentiment_score":0.010659058859466383,"num_words":53,"start":2966.31,"end":3001.885},{"sentences":[{"text":"Yes.","start":3003.385,"end":3003.885,"sentiment":"neutral","sentiment_score":0.07293610274791718},{"text":"Yep.","start":3004.0251,"end":3004.425,"sentiment":"neutral","sentiment_score":0.11035343259572984},{"text":"Fantastic.","start":3004.425,"end":3004.925,"sentiment":"neutral","sentiment_score":0.26281270384788513},{"text":"And is there any other assets that we should note down?","start":3005.945,"end":3009.085,"sentiment":"neutral","sentiment_score":0.09308123317631808},{"text":"No.","start":3013.19,"end":3013.51,"sentiment":"neutral","sentiment_score":-0.08190274983644485}],"sentiment":"neutral","sentiment_score":0.09253953695297241,"num_words":15,"start":3003.385,"end":3013.51},{"sentences":[{"text":"That's okay.","start":3013.51,"end":3014.33,"sentiment":"neutral","sentiment_score":-0.03176538087427616},{"text":"When we think about sleep and the advice, would Vowie prefer to focus on paying down the mortgage currently, or would he like me or be comfortable with me making a recommendation around adding additional funds into super to provide greater growth for his retirement?","start":3015.1099,"end":3032.545,"sentiment":"neutral","sentiment_score":-0.006417380107773675},{"text":"Is he that's okay.","start":3033.085,"end":3044.48,"sentiment":"neutral","sentiment_score":0.02385710086673498},{"text":"Is he comfortable with me making a recommendation to basically increase contributions, maybe start salary sacrificing or adding more money into super to provide greater growth towards his retirement, or are they more sort of trying to pay the mortgage down?","start":3044.54,"end":3059.685,"sentiment":"neutral","sentiment_score":0.029484508195664824},{"text":"What's kind of more 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accurate?","start":3087.635,"end":3088.5352,"sentiment":"neutral","sentiment_score":0.09712320814530055},{"text":"Yep.","start":3090.41,"end":3090.89,"sentiment":"neutral","sentiment_score":0.18487481772899628},{"text":"Beautiful.","start":3090.89,"end":3091.39,"sentiment":"positive","sentiment_score":0.6067733764648438}],"sentiment":"neutral","sentiment_score":0.15711453843575257,"num_words":39,"start":3078.835,"end":3091.39},{"sentences":[{"text":"So mortgage first.","start":3091.8499,"end":3093.15,"sentiment":"neutral","sentiment_score":0.29919367531935376},{"text":"Beautiful.","start":3094.01,"end":3094.51,"sentiment":"positive","sentiment_score":0.6769192218780518},{"text":"Excellent.","start":3096.01,"end":3096.51,"sentiment":"positive","sentiment_score":0.6999846696853638},{"text":"I will make a note that we'll focus on additional contributions down the track there as 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the past twelve months there at all?","start":3143.27,"end":3149.03,"sentiment":"neutral","sentiment_score":0.00019783175296404128},{"text":"No.","start":3149.03,"end":3149.53,"sentiment":"neutral","sentiment_score":-0.11136388778686523},{"text":"No.","start":3153.51,"end":3153.83,"sentiment":"neutral","sentiment_score":-0.019572513177990913}],"sentiment":"neutral","sentiment_score":-0.0005479311512317508,"num_words":32,"start":3136.525,"end":3153.83},{"sentences":[{"text":"Beautiful.","start":3153.83,"end":3154.33,"sentiment":"neutral","sentiment_score":0.23150134086608887},{"text":"Good to hear.","start":3154.55,"end":3155.45,"sentiment":"neutral","sentiment_score":0.27248048782348633},{"text":"And have your mom and dad got a will power of attorney in place?","start":3156.225,"end":3159.745,"sentiment":"neutral","sentiment_score":0.05167572812310287},{"text":"Have they sorta considered the estate planning side of things?","start":3159.745,"end":3162.8052,"sentiment":"neutral","sentiment_score":0.024998878501355647},{"text":"No.","start":3170.51,"end":3170.75,"sentiment":"neutral","sentiment_score":-0.12375329434871674}],"sentiment":"neutral","sentiment_score":0.06547029271464923,"num_words":29,"start":3153.83,"end":3170.75},{"sentences":[{"text":"That's okay.","start":3170.75,"end":3171.39,"sentiment":"neutral","sentiment_score":-0.0030404720455408096},{"text":"It is definitely something to consider and think about.","start":3171.39,"end":3173.97,"sentiment":"neutral","sentiment_score":0.05698472592565748},{"text":"It is definitely a conversation that is worth having with them around that.","start":3174.1099,"end":3177.8098,"sentiment":"neutral","sentiment_score":0.10806850000069691},{"text":"Obviously, you know, we help to make sure that your beneficiary nominations are in place to look after super.","start":3178.43,"end":3185.1748,"sentiment":"neutral","sentiment_score":0.08499582347116973},{"text":"But, obviously, everything outside of that, your house, your cars, your, you know, your savings accounts, all your contents, things like that, family heirloom that might have been passed down through family members, making sure those sorts of things are incorporated into a will is really important.","start":3186.1948,"end":3201.23,"sentiment":"neutral","sentiment_score":0.040176023986745385}],"sentiment":"neutral","sentiment_score":0.060165176250868375,"num_words":90,"start":3170.75,"end":3201.23},{"sentences":[{"text":"One of the things to sort of consider is that in today's day and age, about seventy percent of the population seem to pass away in test day, which essentially means that if they passed away without a will, they everything has to go through a probate process, which is a court process in order to be distributed out.","start":3202.01,"end":3221.135,"sentiment":"neutral","sentiment_score":-0.05054976522796235},{"text":"So having up a will and a power of attorney in place is important to make sure that everything that they have worked hard for is directed to where they want us to go in the event of passing, if that makes sense.","start":3221.135,"end":3232.0,"sentiment":"neutral","sentiment_score":0.10380092159260151},{"text":"So it might just be a conversation that yourself and Ruth are able to have with them.","start":3233.58,"end":3237.6802,"sentiment":"neutral","sentiment_score":0.20799042372142568},{"text":"And I believe all up, they've got four kids.","start":3237.98,"end":3240.9402,"sentiment":"neutral","sentiment_score":0.0673054229054186},{"text":"Is that correct?","start":3240.9402,"end":3241.84,"sentiment":"neutral","sentiment_score":0.0607102798918883}],"sentiment":"neutral","sentiment_score":0.04431084220702867,"num_words":131,"start":3202.01,"end":3241.84},{"sentences":[{"text":"Yep.","start":3244.505,"end":3244.9048,"sentiment":"neutral","sentiment_score":0.10939209908246994},{"text":"Beautiful.","start":3244.9048,"end":3245.4048,"sentiment":"positive","sentiment_score":0.47793254256248474},{"text":"Can I ask you to confirm with Bowie?","start":3245.4648,"end":3247.305,"sentiment":"neutral","sentiment_score":0.12459474336355925},{"text":"His beneficiary nomination on his super means that if in the event that he was to pass away, essentially, he's got here that 25% is directed to, I believe, four children.","start":3247.305,"end":3260.43,"sentiment":"neutral","sentiment_score":0.07838356699193677},{"text":"Is that correct?","start":3260.73,"end":3261.71,"sentiment":"neutral","sentiment_score":0.07299734403689702}],"sentiment":"neutral","sentiment_score":0.09620375448668544,"num_words":44,"start":3244.505,"end":3261.71},{"sentences":[{"text":"Is that how he wanted that to be nominated?","start":3262.0898,"end":3264.43,"sentiment":"neutral","sentiment_score":0.07027173497610623},{"text":"That's correct.","start":3276.745,"end":3277.5452,"sentiment":"neutral","sentiment_score":0.13216271996498108},{"text":"Okay.","start":3277.5452,"end":3277.865,"sentiment":"neutral","sentiment_score":0.24759571254253387},{"text":"Perfect.","start":3277.865,"end":3278.2651,"sentiment":"positive","sentiment_score":0.4695177972316742},{"text":"So if in the event that he was to pass away, he doesn't want his super benefit paid to his wife, he wants it paid out to you guys, to the four children.","start":3278.2651,"end":3286.57,"sentiment":"neutral","sentiment_score":0.10981555122204802}],"sentiment":"neutral","sentiment_score":0.11386516858297198,"num_words":46,"start":3262.0898,"end":3286.57},{"sentences":[{"text":"That's beautiful.","start":3296.645,"end":3297.9448,"sentiment":"positive","sentiment_score":0.7016496062278748},{"text":"Beautiful.","start":3298.085,"end":3298.405,"sentiment":"positive","sentiment_score":0.585152804851532},{"text":"And I've got Ruth yourself Annie, and I'm so sorry if I say this last name wrong.","start":3298.405,"end":3302.565,"sentiment":"neutral","sentiment_score":0.004853786051492481},{"text":"Is it Sa?","start":3302.565,"end":3303.4648,"sentiment":"neutral","sentiment_score":-0.010597777863343557},{"text":"Oh, I've got the four children notice.","start":3311.19,"end":3312.95,"sentiment":"neutral","sentiment_score":-0.003622432771537985}],"sentiment":"neutral","sentiment_score":0.0671272005730619,"num_words":30,"start":3296.645,"end":3312.95},{"sentences":[{"text":"So yourself, Ruth, Annie, and I believe Sa is how I've got the last one spelled.","start":3312.95,"end":3317.19,"sentiment":"neutral","sentiment_score":0.017505447089206427},{"text":"Is that correct?","start":3317.19,"end":3318.075,"sentiment":"neutral","sentiment_score":0.027626629297931988},{"text":"Oh, okay.","start":3322.315,"end":3323.115,"sentiment":"neutral","sentiment_score":0.07322440296411514},{"text":"Perfect.","start":3323.115,"end":3323.515,"sentiment":"neutral","sentiment_score":0.2625458538532257},{"text":"So he's got 25% to her and then 20 five percent to each of the three children, so Annie, yourself, and Ruth.","start":3323.515,"end":3329.935,"sentiment":"neutral","sentiment_score":0.07059928724034266}],"sentiment":"neutral","sentiment_score":0.052844227736138484,"num_words":44,"start":3312.95,"end":3329.935},{"sentences":[{"text":"That sounds right?","start":3330.155,"end":3331.14,"sentiment":"neutral","sentiment_score":0.04215810572107633},{"text":"Okay.","start":3335.8599,"end":3336.3599,"sentiment":"neutral","sentiment_score":0.038872551172971725},{"text":"Did he wanna have that nomination updated to reflect being paid out to all his kids and his wife, or is he happy with the nomination how it is set up?","start":3336.9,"end":3350.915,"sentiment":"neutral","sentiment_score":0.09689580168454878},{"text":"Okay.","start":3351.615,"end":3352.095,"sentiment":"neutral","sentiment_score":0.25105178356170654},{"text":"Beautiful.","start":3352.095,"end":3352.595,"sentiment":"positive","sentiment_score":0.5095099806785583}],"sentiment":"neutral","sentiment_score":0.10620752661614805,"num_words":37,"start":3330.155,"end":3352.595},{"sentences":[{"text":"That's absolutely fine.","start":3352.655,"end":3353.875,"sentiment":"positive","sentiment_score":0.5229236880938212},{"text":"If you guys ever wanna have that updated, please let me know.","start":3353.935,"end":3356.815,"sentiment":"neutral","sentiment_score":0.2438644990324974},{"text":"What I will do as part of the recap email is I can note down if he's comfortable with me noting that in the email.","start":3356.815,"end":3363.6902,"sentiment":"neutral","sentiment_score":0.1313767570257187},{"text":"I can note down how the beneficiary is currently set out.","start":3363.6902,"end":3367.95,"sentiment":"neutral","sentiment_score":0.09311177767813206},{"text":"That way, if he wants to have that updated, he can let you guys can let us know just so you have a bit of clarity.","start":3368.33,"end":3376.295,"sentiment":"neutral","sentiment_score":0.06449855577487212}],"sentiment":"neutral","sentiment_score":0.13611371406390296,"num_words":77,"start":3352.655,"end":3376.295},{"sentences":[{"text":"Sometimes when you see the email after the call and it kinda breaks everything down and you see it all, it can kind of bring up additional questions and or concerns.","start":3376.355,"end":3385.4949,"sentiment":"neutral","sentiment_score":-0.0073337786260151095},{"text":"So if there's anything that comes out of that email, please let me know.","start":3385.635,"end":3388.71,"sentiment":"neutral","sentiment_score":0.033314895550055165},{"text":"But if you're comfortable with me noting down that beneficiary nomination as it stands just so you all can review it and make sure that's comfortable, is that okay?","start":3388.71,"end":3397.1301,"sentiment":"neutral","sentiment_score":0.06712078624244394},{"text":"Yep.","start":3399.83,"end":3400.33,"sentiment":"neutral","sentiment_score":0.1780378222465515},{"text":"Beautiful.","start":3400.3901,"end":3400.8901,"sentiment":"positive","sentiment_score":0.6246886849403381}],"sentiment":"neutral","sentiment_score":0.0393196145856851,"num_words":76,"start":3376.355,"end":3400.8901},{"sentences":[{"text":"Fantastic.","start":3401.67,"end":3402.17,"sentiment":"positive","sentiment_score":0.7577012777328491},{"text":"Fantastic.","start":3404.285,"end":3404.765,"sentiment":"positive","sentiment_score":0.5878384709358215},{"text":"Yeah.","start":3404.765,"end":3405.085,"sentiment":"positive","sentiment_score":0.4293730854988098},{"text":"Absolutely.","start":3405.085,"end":3405.585,"sentiment":"positive","sentiment_score":0.5479862689971924},{"text":"Fantastic.","start":3406.285,"end":3406.785,"sentiment":"positive","sentiment_score":0.6089391112327576}],"sentiment":"positive","sentiment_score":0.5863676428794861,"num_words":5,"start":3401.67,"end":3406.785},{"sentences":[{"text":"Okay.","start":3408.2048,"end":3408.7048,"sentiment":"neutral","sentiment_score":0.2638530731201172},{"text":"The last thing I just wanted to run through is a risk profile questionnaire.","start":3409.005,"end":3412.145,"sentiment":"neutral","sentiment_score":0.054460299999586174},{"text":"I believe we did one of these with you guys last year.","start":3412.6848,"end":3415.1648,"sentiment":"neutral","sentiment_score":0.06759442730496328},{"text":"So I'll go through each of the questions.","start":3415.1648,"end":3416.9448,"sentiment":"neutral","sentiment_score":0.07428285572677851},{"text":"If you can just relay that to him and help him decide which answer is appropriate for him at the moment, it helps us to decide how how your super should be invested, essentially.","start":3417.1648,"end":3428.2,"sentiment":"neutral","sentiment_score":0.10908200537018917}],"sentiment":"neutral","sentiment_score":0.08899248448079047,"num_words":69,"start":3408.2048,"end":3428.2},{"sentences":[{"text":"The first one here I'm looking at is, essentially, how much risk is he comfortable taking?","start":3429.3,"end":3435.1548,"sentiment":"neutral","sentiment_score":0.004019511805381626},{"text":"Is he comfortable taking a lot a a higher amount of risk to get greater potential returns?","start":3435.615,"end":3441.1548,"sentiment":"neutral","sentiment_score":-0.00886124569703551},{"text":"Is he comfortable taking a moderate or medium amount of risk to get the best returns possible?","start":3441.615,"end":3446.4348,"sentiment":"neutral","sentiment_score":-0.0011523909428540397},{"text":"Or is he comfortable not taking much risk in the market knowing the returns are lower than are gonna be lower because of that?","start":3446.6902,"end":3453.6702,"sentiment":"neutral","sentiment_score":-0.06176407844759524},{"text":"Medium?","start":3469.745,"end":3470.245,"sentiment":"neutral","sentiment_score":-0.003504496067762375}],"sentiment":"neutral","sentiment_score":-0.021223493504027524,"num_words":75,"start":3429.3,"end":3470.245},{"sentences":[{"text":"Yep.","start":3470.385,"end":3470.865,"sentiment":"neutral","sentiment_score":0.017241334542632103},{"text":"Absolutely.","start":3470.865,"end":3471.365,"sentiment":"neutral","sentiment_score":0.1099717915058136},{"text":"Yep.","start":3472.305,"end":3472.625,"sentiment":"neutral","sentiment_score":0.10035466402769087},{"text":"Beautiful.","start":3472.625,"end":3473.125,"sentiment":"neutral","sentiment_score":0.22395217418670657},{"text":"How do you think you might feel if you saw your super fall by 20% over the next one to two years?","start":3474.15,"end":3479.8298,"sentiment":"neutral","sentiment_score":-0.12487481466748497}],"sentiment":"neutral","sentiment_score":-0.08829715224699332,"num_words":26,"start":3470.385,"end":3479.8298},{"sentences":[{"text":"So this realistically can happen because markets do go up.","start":3479.8298,"end":3482.95,"sentiment":"neutral","sentiment_score":-0.11605868190526962},{"text":"They do go down, and it's about making sure you're invested in a profile that you're not gonna be accessing that money or selling out of the investments in a downtime.","start":3482.95,"end":3492.315,"sentiment":"neutral","sentiment_score":-0.12102724046957108},{"text":"We want you to wade through it and allow your portfolio to come back and recover.","start":3492.455,"end":3497.115,"sentiment":"neutral","sentiment_score":-0.06359860254451632},{"text":"If you saw your super fall by 20% over the next one to two years, how do you think you might be feeling?","start":3497.655,"end":3500.28,"sentiment":"neutral","sentiment_score":-0.06697575407831566},{"text":"Are you up to one to two years, how do you think you might be feeling?","start":3500.28,"end":3503.5999,"sentiment":"neutral","sentiment_score":0.023136326344683766}],"sentiment":"neutral","sentiment_score":-0.07396114621466647,"num_words":96,"start":3479.8298,"end":3503.5999},{"sentences":[{"text":"Are you optimistic, feeling like it's an investment opportunity?","start":3503.98,"end":3507.04,"sentiment":"neutral","sentiment_score":0.1512370900147491},{"text":"You might put some more money in and take advantage of that downtime.","start":3507.0999,"end":3510.16,"sentiment":"neutral","sentiment_score":0.04930114144316086},{"text":"Are you maybe gonna hold and wait?","start":3510.78,"end":3512.7,"sentiment":"neutral","sentiment_score":-0.03755371698311397},{"text":"Maybe call me and have a chat to me about it and see what we suggest to do, or are you a little bit nervous and maybe wanting to sell that investment to cash?","start":3512.7,"end":3521.025,"sentiment":"neutral","sentiment_score":-0.03339646833346171},{"text":"How do you think you might feel?","start":3521.085,"end":3522.7048,"sentiment":"neutral","sentiment_score":-0.03303962254098484}],"sentiment":"neutral","sentiment_score":0.005320219269820622,"num_words":70,"start":3503.98,"end":3522.7048},{"sentences":[{"text":"Maybe give me a call.","start":3534.3901,"end":3535.51,"sentiment":"neutral","sentiment_score":0.008859968185424805},{"text":"Yes.","start":3535.51,"end":3535.99,"sentiment":"neutral","sentiment_score":0.08088701963424683},{"text":"Beautiful.","start":3535.99,"end":3536.49,"sentiment":"positive","sentiment_score":0.5752013921737671},{"text":"That's a good answer.","start":3536.6301,"end":3537.77,"sentiment":"positive","sentiment_score":0.5776836425065994},{"text":"Excellent.","start":3537.9102,"end":3538.4102,"sentiment":"positive","sentiment_score":0.4851387143135071}],"sentiment":"neutral","sentiment_score":0.2913551280895869,"num_words":12,"start":3534.3901,"end":3538.4102},{"sentences":[{"text":"The next one here is essentially asking, has he ever seen his super fall in value?","start":3540.1501,"end":3545.7048,"sentiment":"neutral","sentiment_score":-0.10507745179347694},{"text":"I know seeing the ups and downs can make us a little bit nervous, but have you ever seen your super fall in value before, and how did that make you feel in the past?","start":3546.165,"end":3555.765,"sentiment":"neutral","sentiment_score":-0.11710967080933707},{"text":"Were you feeling happy and optimistic about the investment opportunity?","start":3555.765,"end":3559.88,"sentiment":"neutral","sentiment_score":0.10973070561885834},{"text":"Are you feeling cautious, concerned, or a bit anxious?","start":3560.02,"end":3563.0,"sentiment":"neutral","sentiment_score":-0.17517825050486457},{"text":"Yeah.","start":3570.9,"end":3571.4,"sentiment":"neutral","sentiment_score":-0.04863375425338745}],"sentiment":"neutral","sentiment_score":-0.08884519238916921,"num_words":71,"start":3540.1501,"end":3571.4},{"sentences":[{"text":"Yeah.","start":3572.105,"end":3572.505,"sentiment":"neutral","sentiment_score":-0.048998042941093445},{"text":"Yeah.","start":3572.505,"end":3572.6648,"sentiment":"neutral","sentiment_score":-0.046198613941669464},{"text":"If he's looked at it one day and the the value of the investment or the value of the super had dropped below hit the last time he looked at it.","start":3572.6648,"end":3580.365,"sentiment":"neutral","sentiment_score":-0.13696118996989343},{"text":"Yep.","start":3607.255,"end":3607.755,"sentiment":"neutral","sentiment_score":-0.07017364352941513},{"text":"Yep.","start":3611.9102,"end":3612.4102,"sentiment":"neutral","sentiment_score":0.00007221724081318825}],"sentiment":"neutral","sentiment_score":-0.12603128492108745,"num_words":35,"start":3572.105,"end":3612.4102},{"sentences":[{"text":"Okay.","start":3612.47,"end":3612.97,"sentiment":"neutral","sentiment_score":0.08380105346441269},{"text":"Beautiful.","start":3613.11,"end":3613.61,"sentiment":"positive","sentiment_score":0.3576919436454773},{"text":"Fantastic.","start":3613.99,"end":3614.49,"sentiment":"positive","sentiment_score":0.3791196346282959},{"text":"So I'd probably stay a bit cautious.","start":3614.71,"end":3616.6501,"sentiment":"neutral","sentiment_score":-0.021074730902910233},{"text":"Obviously, you're not feeling optimistic.","start":3616.71,"end":3618.33,"sentiment":"neutral","sentiment_score":-0.14453844279050826}],"sentiment":"neutral","sentiment_score":-0.0033068465689818066,"num_words":15,"start":3612.47,"end":3618.33},{"sentences":[{"text":"You're not happy about it, but it's it's on the back of your mind.","start":3618.3901,"end":3622.065,"sentiment":"neutral","sentiment_score":-0.217621420110975},{"text":"You know that you're not gonna sell.","start":3622.065,"end":3623.585,"sentiment":"neutral","sentiment_score":-0.1985375221286501},{"text":"You know you're not retiring, but it can still have a little bit of effect and gone, oh, it did go down.","start":3623.585,"end":3628.945,"sentiment":"neutral","sentiment_score":-0.10849497264081781},{"text":"Does that sound right?","start":3628.945,"end":3629.985,"sentiment":"neutral","sentiment_score":-0.024466082453727722},{"text":"Am I on the right track?","start":3629.985,"end":3631.205,"sentiment":"neutral","sentiment_score":-0.04426456242799759}],"sentiment":"neutral","sentiment_score":-0.1356000686591526,"num_words":53,"start":3618.3901,"end":3631.205},{"sentences":[{"text":"Yep.","start":3632.945,"end":3633.445,"sentiment":"neutral","sentiment_score":0.04638081789016723},{"text":"Beautiful.","start":3634.865,"end":3635.365,"sentiment":"positive","sentiment_score":0.5456767678260803},{"text":"Excellent.","start":3635.505,"end":3636.005,"sentiment":"neutral","sentiment_score":-0.02455214224755764},{"text":"And the last one here, it's basically asking, has he ever thought about taking out a loan in order to invest in shares or manage funds, or would you only borrow for safe property?","start":3636.98,"end":3647.3198,"sentiment":"neutral","sentiment_score":0.011881027959615868},{"text":"I've already kinda ticked the box noting that you have only really ever borrowed for your main primary residence.","start":3647.8599,"end":3653.0251,"sentiment":"neutral","sentiment_score":0.03204918250833687}],"sentiment":"neutral","sentiment_score":0.02822133681703625,"num_words":56,"start":3632.945,"end":3653.0251},{"sentences":[{"text":"Is that correct, or would you change that answer?","start":3653.085,"end":3655.485,"sentiment":"neutral","sentiment_score":0.0359640299446053},{"text":"Has you ever thought about borrowing to invest in any way?","start":3655.485,"end":3658.385,"sentiment":"neutral","sentiment_score":-0.003133833831684156},{"text":"No.","start":3661.0051,"end":3661.325,"sentiment":"neutral","sentiment_score":-0.12442385405302048},{"text":"That's okay.","start":3661.325,"end":3662.145,"sentiment":"neutral","sentiment_score":-0.003641899675130844},{"text":"Beautiful.","start":3663.485,"end":3663.985,"sentiment":"positive","sentiment_score":0.5848566293716431}],"sentiment":"neutral","sentiment_score":0.030931378055053454,"num_words":24,"start":3653.085,"end":3663.985},{"sentences":[{"text":"Thank you so much for answering those questions there.","start":3664.68,"end":3667.26,"sentiment":"positive","sentiment_score":0.7054151362842984},{"text":"Essentially, with the way you have scored, Bauer, you've scored as a growth investor, and that essentially means that we would see 80% of your super invested in growth investments.","start":3667.56,"end":3678.885,"sentiment":"neutral","sentiment_score":0.21358403315146765},{"text":"So think about Australian shares, international shares, precious metals like gold and silver, and then some property in there as well.","start":3679.1052,"end":3687.925,"sentiment":"neutral","sentiment_score":0.14878263537372863},{"text":"The other 20% would be in low risk defensive investments like cash funds and fixed interest.","start":3689.1052,"end":3694.38,"sentiment":"neutral","sentiment_score":0.0938654406927526},{"text":"Essentially, this sort of investment suits your time horizon if you're not gonna access your super in six years.","start":3695.16,"end":3701.02,"sentiment":"neutral","sentiment_score":0.00929734365720498}],"sentiment":"neutral","sentiment_score":0.18483356994233632,"num_words":95,"start":3664.68,"end":3701.02},{"sentences":[{"text":"So because, realistically, you're not gonna access super for at least seven years at this point, maybe longer depending on, you know, the advice and how long it takes to kind of build up to where you want it to be.","start":3701.4,"end":3713.905,"sentiment":"neutral","sentiment_score":-0.07302035981925523},{"text":"Do you feel comfortable staying in this kind of environment, or does he wanna maybe reduce the risk level a little bit?","start":3714.365,"end":3721.68,"sentiment":"neutral","sentiment_score":-0.05009275742552497},{"text":"Keep it the same?","start":3727.04,"end":3727.8398,"sentiment":"neutral","sentiment_score":0.08824087306857109},{"text":"Yeah.","start":3727.8398,"end":3728.16,"sentiment":"neutral","sentiment_score":0.04642052203416824},{"text":"Realistically, for his time horizon's a good spot to stay in.","start":3728.16,"end":3731.7,"sentiment":"neutral","sentiment_score":0.1499522172591903}],"sentiment":"neutral","sentiment_score":-0.025911607744195795,"num_words":79,"start":3701.4,"end":3731.7},{"sentences":[{"text":"The other thing to sort of think about is with having a lower balance, we wanna kinda get more growth and make it work a bit harder.","start":3732.16,"end":3740.315,"sentiment":"neutral","sentiment_score":-0.2074006947654265},{"text":"So I'll find ways to do that.","start":3740.315,"end":3742.335,"sentiment":"neutral","sentiment_score":-0.10655024754149574},{"text":"Especially if we're not able to put more contributions in at the moment, then we sort of need to take on a little bit more risk there.","start":3743.355,"end":3749.515,"sentiment":"neutral","sentiment_score":-0.20792565798317944},{"text":"But I'll make a point of every year when we do this annual review that we reassess this questionnaire because there will come a point where he's a little bit more nervous about the ups and downs the market does take or wants to reduce the risk level back.","start":3749.515,"end":3764.68,"sentiment":"neutral","sentiment_score":-0.04401206833367445},{"text":"There might even come a point where I suggest that we should probably start reducing that risk level back, and I'll kind of point that out at that time because I don't want him to be taking more risk than he needs to.","start":3764.845,"end":3776.385,"sentiment":"neutral","sentiment_score":-0.12716942037953888}],"sentiment":"neutral","sentiment_score":-0.1280035273311964,"num_words":153,"start":3732.16,"end":3776.385},{"sentences":[{"text":"Does that all make sense?","start":3776.845,"end":3778.04,"sentiment":"neutral","sentiment_score":0.012665525823831559},{"text":"Do you have questions about any of that?","start":3778.04,"end":3785.56,"sentiment":"neutral","sentiment_score":-0.02842523343861103},{"text":"That's all good pass.","start":3785.56,"end":3787.02,"sentiment":"neutral","sentiment_score":0.2158652450889349},{"text":"Beautiful.","start":3787.32,"end":3787.82,"sentiment":"positive","sentiment_score":0.5937304496765137},{"text":"That is basically everything I needed for the annual review.","start":3788.92,"end":3792.04,"sentiment":"neutral","sentiment_score":0.27917560338974}],"sentiment":"neutral","sentiment_score":0.14588832948356867,"num_words":28,"start":3776.845,"end":3792.04},{"sentences":[{"text":"So if you guys are very comfortable, I will go back and do a bit of a recap email.","start":3792.04,"end":3797.7249,"sentiment":"neutral","sentiment_score":0.24484885836902417},{"text":"I'll go through what we've gone through and discussed, what advice I'm looking to provide, the areas, and just kind of a recap email.","start":3797.945,"end":3806.83,"sentiment":"neutral","sentiment_score":0.14162518363445997},{"text":"I'll have the beneficiary details in there for you to also look at and discuss.","start":3806.83,"end":3810.85,"sentiment":"neutral","sentiment_score":0.22115471859773},{"text":"And I'll email it to Bowie, but also to yourself and to Ruth.","start":3812.03,"end":3815.8699,"sentiment":"neutral","sentiment_score":0.18518942594528198},{"text":"That way, everyone gets a copy of it as his authority's on file.","start":3815.8699,"end":3820.53,"sentiment":"neutral","sentiment_score":0.2574686419505339}],"sentiment":"neutral","sentiment_score":0.2038453378315483,"num_words":84,"start":3792.04,"end":3820.53},{"sentences":[{"text":"And if any of you have any questions, please come back and let me know.","start":3820.715,"end":3823.915,"sentiment":"neutral","sentiment_score":0.1642403095960617},{"text":"I'll also add in there for you the financial services guide so you have a copy of that to kind of run your eyes through to look at what we are as advisers, the services we provide, and how we work in his best interest.","start":3823.915,"end":3835.615,"sentiment":"neutral","sentiment_score":0.22728674444887373},{"text":"And if you have any questions, please let me know.","start":3836.3,"end":3838.54,"sentiment":"neutral","sentiment_score":0.1124241292476654},{"text":"I'm more than happy to sorta help you, and I'll get stuck into doing the research.","start":3838.54,"end":3842.88,"sentiment":"positive","sentiment_score":0.4941600076854229},{"text":"It just takes a couple of weeks to do the research.","start":3843.34,"end":3845.66,"sentiment":"neutral","sentiment_score":0.23980161954056134}],"sentiment":"neutral","sentiment_score":0.2511353337580396,"num_words":97,"start":3820.715,"end":3845.66},{"sentences":[{"text":"My team will contact you, book you all back in so we can kinda go through it together.","start":3845.66,"end":3849.92,"sentiment":"neutral","sentiment_score":0.24246655073430803},{"text":"We can do it by phone or by Teams or however is preferable for you all to go through things.","start":3850.375,"end":3855.975,"sentiment":"neutral","sentiment_score":0.17041822671890258},{"text":"Does that sound okay?","start":3855.975,"end":3857.095,"sentiment":"neutral","sentiment_score":0.1375323086977005},{"text":"Has any questions come up from any of that?","start":3857.095,"end":3859.595,"sentiment":"neutral","sentiment_score":0.020480699009365506},{"text":"That's okay.","start":3861.895,"end":3862.59,"sentiment":"neutral","sentiment_score":0.16222158819437027}],"sentiment":"neutral","sentiment_score":0.16663511603508355,"num_words":53,"start":3845.66,"end":3862.59},{"sentences":[{"text":"No problem at all.","start":3863.1501,"end":3864.35,"sentiment":"neutral","sentiment_score":0.18594206869602203},{"text":"Look.","start":3864.35,"end":3864.51,"sentiment":"neutral","sentiment_score":0.28384244441986084},{"text":"Thank you so much for your time.","start":3864.51,"end":3866.03,"sentiment":"positive","sentiment_score":0.5886402555874416},{"text":"I really appreciate that.","start":3866.03,"end":3867.81,"sentiment":"positive","sentiment_score":0.5886413753032684},{"text":"I just to kind of recap on the goal side of things, I'm gonna work towards the age of 60, 65, and 67 for the super side of things.","start":3868.4302,"end":3877.1702,"sentiment":"neutral","sentiment_score":0.265467320536745}],"sentiment":"positive","sentiment_score":0.3378046734465493,"num_words":45,"start":3863.1501,"end":3877.1702},{"sentences":[{"text":"I'll retain the life and TPD as it is, look at what I can do with the income protection to try and consolidate things for him.","start":3877.4949,"end":3885.595,"sentiment":"neutral","sentiment_score":0.21779402431387168},{"text":"And is there any other goals or anything else that he might want to sort of note down for the future aside from paying down the mortgage?","start":3886.695,"end":3894.76,"sentiment":"neutral","sentiment_score":0.08314199166165458},{"text":"Yeah.","start":3903.06,"end":3903.56,"sentiment":"neutral","sentiment_score":0.044431231915950775},{"text":"Absolutely.","start":3904.9001,"end":3905.4001,"sentiment":"positive","sentiment_score":0.5351418852806091},{"text":"Perfect.","start":3906.325,"end":3906.825,"sentiment":"positive","sentiment_score":0.7008247375488281}],"sentiment":"neutral","sentiment_score":0.16406921896019153,"num_words":56,"start":3877.4949,"end":3906.825},{"sentences":[{"text":"Perfect.","start":3909.445,"end":3909.945,"sentiment":"positive","sentiment_score":0.7407313585281372},{"text":"Excellent.","start":3911.685,"end":3912.185,"sentiment":"positive","sentiment_score":0.8224579095840454},{"text":"Thank you so much for that today.","start":3913.125,"end":3914.645,"sentiment":"positive","sentiment_score":0.8574522052492414},{"text":"I really appreciate all of your time.","start":3914.645,"end":3916.585,"sentiment":"positive","sentiment_score":0.8470914959907532},{"text":"I hope you all have a beautiful day, and the sun stays out for you.","start":3916.725,"end":3920.38,"sentiment":"positive","sentiment_score":0.8036538640658061}],"sentiment":"positive","sentiment_score":0.8241871979928785,"num_words":31,"start":3909.445,"end":3920.38},{"sentences":[{"text":"I hope you have a good day, Bowie.","start":3920.38,"end":3922.16,"sentiment":"positive","sentiment_score":0.6934571862220764},{"text":"Thank thank you so much for your time.","start":3924.46,"end":3926.38,"sentiment":"positive","sentiment_score":0.7841110378503799},{"text":"I hope you all have a wonderful day, and I'll talk to you very soon.","start":3926.38,"end":3929.36,"sentiment":"positive","sentiment_score":0.6902727723121643},{"text":"In the meantime, I will get stuck into all this research, and we'll update the advice and go through it together.","start":3929.42,"end":3934.64,"sentiment":"neutral","sentiment_score":0.3022355664344061},{"text":"Okay?","start":3934.86,"end":3935.36,"sentiment":"neutral","sentiment_score":0.15317875146865845}],"sentiment":"positive","sentiment_score":0.5410332646010056,"num_words":53,"start":3920.38,"end":3935.36},{"sentences":[{"text":"My pleasure.","start":3938.025,"end":3938.765,"sentiment":"positive","sentiment_score":0.6665787100791931},{"text":"You too.","start":3939.145,"end":3939.705,"sentiment":"positive","sentiment_score":0.4552961438894272},{"text":"Thank you so much, and talk to you soon.","start":3939.705,"end":3941.625,"sentiment":"positive","sentiment_score":0.5502032703823514},{"text":"See you later.","start":3941.625,"end":3942.425,"sentiment":"neutral","sentiment_score":0.19580569366614023},{"text":"Bye.","start":3942.425,"end":3942.925,"sentiment":"neutral","sentiment_score":0.12465628236532213}],"sentiment":"positive","sentiment_score":0.46515602969071446,"num_words":17,"start":3938.025,"end":3942.925}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Hi. It's speaking. Well, thank you. Yourself? Yeah. Of course. Yeah. Yeah. Good. How are you? Yeah. It's very good. Pretty good day. Yeah. That's fine. Boy, we come home soon. But day is eighteen nine nineteen seventy three. 56 Lotus Land Of Sabah, New South Wales. Yes. Yep. Give us a call. Oh. It's me that phone time. Yes. Yeah. Of course. Yeah. Yeah. No. No questions at the moment. Yep. Yeah. Yeah. In the email phone. Phone. Yeah. It's coming. Yeah. I'm on the porch now. Yeah. It's actually been quite today. Oh, yeah. Oh, that's great. How's that yours? Good or no? Oh, yeah. That's not too bad. Oh, yeah. Oh, yeah. Very nice. That's good. That's very good. So this document, if you want him to find it, or did you just we'll just look into this. Yeah. Yeah. Yep. I think I already pressed next on that first page. Yeah. Okay. Yep. Yep. Yes. Mhmm. Yes. Yeah. I'll just tell that a bit. Yeah. That's all good. No worries. Yeah. Because you say you got two super accounts. Right? Okay. So that way, it's got two separate because you've got income. Yeah. Of course. No. No. It's all good. Because also, he's just he's also moved moved jobs as well. I don't think he's he's new. I don't think he's putting anything in ethical anymore. Yes. Oh, okay. Okay. Yeah. Yeah. Yeah. All good to just consolidate the accounts into the into the main one that he's got from his main job instead of the other one? Because it's no point in it wasn't. So did you say the income policy, was that one the ethical one? Yeah. Income income Yeah. We would my dad said we'll probably move the Aware Super and consolidate with the ethical super. It was the one with the income protection. Yes. Yeah. Yes. Yes. I was asking. Uh-huh. Check. Yeah, he's a yes. It's a condition considerations. Mhmm. But he's just gonna just work things a bit more out to have a bit more think about how much you would have to put in. Yep. I I think we'll just he just changed his mind again. It won't happen. Yeah. We're just at the moment, just keep everything the same, and we'll just go through what we need to for today. And I think that's gonna I'll I'll let I'll talk to them again. And if because we can always call you guys, right, or send amendments or send you know? Yeah. Sure. Yeah. It'd be fine. Yeah. It's all good to go. Yeah. Well, he's not in the he's not full time anymore. He's changed jobs. He's casual, but he pretty he pretty much works full time hours pretty much. Yeah. Like, since, yeah, since it started, it's been pretty much consistently. No. It's it's it's always been working. So an injury? No. No. No. He doesn't have any injuries. Yep. No. No. Yeah. He's never claimed or has ever been denied. So I I don't think he I don't think he even knows himself. He probably is, but he he's not doing any claims or anything at that moment. Mhmm. I don't think he has. Yes. Yes. Yes. Yeah. He said, yes, please. It's not sure. It's probably it's probably, like, some 60 or something. Yeah. Yep. Yes. Yeah. She does have a supervisor. Yeah. Not as much as my dad. Yeah. Yeah. Yeah. No. All good. Yeah. Yeah. All good. No. He's he's done he's finished his job there. He's casual at at the hospital as a as a casual cleaner. I have no clue. He only started in March. Half. A fortnight. Per fortnight. No. I don't think so. No. Yes. Yeah. Yeah. He said he yeah. He's happy. He says fine. Yeah. That's fine. Yeah. All good for the moment there. Oh, yeah. Yes, please. Yeah. That'd be great. No. Yeah. All good. Give me a second. Yeah. Yeah. Of course. Okay. No. Just give me that. Yep. Yep. That's okay. No. It's it's all good. Yeah. No. It's all good at the moment. Yeah. Okay. Services guide. Alright. Yeah. Is that the next page? Oh, yes. Yep. Same here. Yep. Oh, okay. Yeah. All good. So I've got this currency. Do we go next? Advanced fee consent? Yeah. I can. Yep. No. Yeah. No. That makes sense. Yep. Yep. No. I'm I'm I'm all good. I'm pretty full bottle. You know? Yeah. Yep. I'm about to go sign it. Yeah. I understand. You you got it. Yeah. COVID. Well, it's got about 483,000 left. I'm I'm not sure. I think that's their goal just to probably pay it off as soon as possible, but who knows? They could probably have it, still have it, be paying it off on their in their retirement. I'm not sure. But, yeah, they wanna pay it off as soon as possible. I love. Yeah. Yeah. Still got it. Yeah. Probably. Yeah. No lines. I know right now. Yep. No. I'm But it's yeah. It's that's yes. Sometimes, that's pretty much it. Yeah. Insurance. I can do that. Content insurance. Okay. In I'm pretty sure they do. Yeah. I'm pretty sure they do. Yeah. I'd say so. No. I don't think so. Okay. So say it again? Thank you for that note there. Yes. Yeah. Yes. You say what, sir? No. Hang on. Smuggling. Not no. Not really. No. No. I don't have a bill. Yeah. Yeah. Yeah. There's four of us. Yeah. He said, yeah, to his four children. Sorry. Say again. Sorry. Say again? Sorry. What was that? No. It My mom. Oh, I thought it was going through. To three. Yeah. Yeah. May may maybe because the other one is a bit younger. She's still under 18. So He said he would receive it as how it is for now. Yeah. Yep. I'll review it and I'll talk about it. He said was it medium? Yeah. You said you'll probably get that advice, maybe call you guys up. Yeah. Yeah. He's I don't think he's Oh, is it like if he's seen it if he's ever had it falling or I think I think he was still wait. What's the word? No. I didn't really, like, I didn't really bother too much, but, you know, still a bit of, like, bother. But, like, didn't take it to heart that bad. Yeah. Yeah. That's yeah. That's probably yeah. That's it. No. No. I don't no. He's yeah. Okay. That'd be the case for the same. Yeah. No. It's it's all good. No questions. Yeah. Oh. Yeah. No. All good. Yeah. Appreciate it. Yes. Not much. Probably just be able to, you know, be in good health and better work still. It's pretty much at the moment. Yeah. Alright. Awesome. Thank you very much. You have a lovely Thank you, Emory. Stay up. 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If you record your name and reason for calling, I'll see if this person is available. Hi. It's speaking. Well, thank you.\n\nYourself? Yeah. Of course. Yeah. Yeah.\n\nGood. How are you? Yeah. It's very good. Pretty good day.\n\nYeah. That's fine. Boy, we come home soon. But day is eighteen nine nineteen seventy three. 56 Lotus Land Of Sabah, New South Wales.\n\nYes. Yep. Give us a call. Oh. It's me that phone time.\n\nYes. Yeah. Of course. Yeah. Yeah.\n\nNo. No questions at the moment. Yep. Yeah. Yeah.\n\nIn the email phone. Phone. Yeah. It's coming. Yeah.\n\nI'm on the porch now. Yeah. It's actually been quite today. Oh, yeah. Oh, that's great.\n\nHow's that yours? Good or no? Oh, yeah. That's not too bad. Oh, yeah.\n\nOh, yeah. Very nice. That's good. That's very good. So this document, if you want him to find it, or did you just we'll just look into this.\n\nYeah. Yeah. Yep. I think I already pressed next on that first page. Yeah.\n\nOkay. Yep. Yep. Yes. Mhmm.\n\nYes. Yeah. I'll just tell that a bit. Yeah. That's all good.\n\nNo worries. Yeah. Because you say you got two super accounts. Right? Okay.\n\nSo that way, it's got two separate because you've got income. Yeah. Of course. No. No.\n\nIt's all good. Because also, he's just he's also moved moved jobs as well. I don't think he's he's new. I don't think he's putting anything in ethical anymore. Yes.\n\nOh, okay. Okay. Yeah. Yeah. Yeah.\n\nAll good to just consolidate the accounts into the into the main one that he's got from his main job instead of the other one? Because it's no point in it wasn't. So did you say the income policy, was that one the ethical one? Yeah. Income income Yeah.\n\nWe would my dad said we'll probably move the Aware Super and consolidate with the ethical super. It was the one with the income protection. Yes. Yeah. Yes.\n\nYes. I was asking. Uh-huh. Check. Yeah, he's a yes.\n\nIt's a condition considerations. Mhmm. But he's just gonna just work things a bit more out to have a bit more think about how much you would have to put in. Yep. I I think we'll just he just changed his mind again.\n\nIt won't happen. Yeah. We're just at the moment, just keep everything the same, and we'll just go through what we need to for today. And I think that's gonna I'll I'll let I'll talk to them again. And if because we can always call you guys, right, or send amendments or send you know?\n\nYeah. Sure. Yeah. It'd be fine. Yeah.\n\nIt's all good to go. Yeah. Well, he's not in the he's not full time anymore. He's changed jobs. He's casual, but he pretty he pretty much works full time hours pretty much.\n\nYeah. Like, since, yeah, since it started, it's been pretty much consistently. No. It's it's it's always been working. So an injury?\n\nNo. No. No. He doesn't have any injuries. Yep.\n\nNo. No. Yeah. He's never claimed or has ever been denied. So I I don't think he I don't think he even knows himself.\n\nHe probably is, but he he's not doing any claims or anything at that moment. Mhmm. I don't think he has. Yes. Yes.\n\nYes. Yeah. He said, yes, please. It's not sure. It's probably it's probably, like, some 60 or something.\n\nYeah. Yep. Yes. Yeah. She does have a supervisor.\n\nYeah. Not as much as my dad. Yeah. Yeah. Yeah.\n\nNo. All good. Yeah. Yeah. All good.\n\nNo. He's he's done he's finished his job there. He's casual at at the hospital as a as a casual cleaner. I have no clue. He only started in March.\n\nHalf. A fortnight. Per fortnight. No. I don't think so.\n\nNo. Yes. Yeah. Yeah. He said he yeah.\n\nHe's happy. He says fine. Yeah. That's fine. Yeah.\n\nAll good for the moment there. Oh, yeah. Yes, please. Yeah. That'd be great.\n\nNo. Yeah. All good. Give me a second. Yeah.\n\nYeah. Of course. Okay. No. Just give me that.\n\nYep. Yep. That's okay. No. It's it's all good.\n\nYeah. No. It's all good at the moment. Yeah. Okay.\n\nServices guide. Alright. Yeah. Is that the next page? Oh, yes.\n\nYep. Same here. Yep. Oh, okay. Yeah.\n\nAll good. So I've got this currency. Do we go next? Advanced fee consent? Yeah.\n\nI can. Yep. No. Yeah. No.\n\nThat makes sense. Yep. Yep. No. I'm I'm I'm all good.\n\nI'm pretty full bottle. You know? Yeah. Yep. I'm about to go sign it.\n\nYeah. I understand. You you got it. Yeah. COVID.\n\nWell, it's got about 483,000 left. I'm I'm not sure. I think that's their goal just to probably pay it off as soon as possible, but who knows? They could probably have it, still have it, be paying it off on their in their retirement. I'm not sure.\n\nBut, yeah, they wanna pay it off as soon as possible. I love. Yeah. Yeah. Still got it.\n\nYeah. Probably. Yeah. No lines. I know right now.\n\nYep. No. I'm But it's yeah. It's that's yes. Sometimes, that's pretty much it.\n\nYeah. Insurance. I can do that. Content insurance. Okay.\n\nIn I'm pretty sure they do. Yeah. I'm pretty sure they do. Yeah. I'd say so.\n\nNo. I don't think so. Okay. So say it again? Thank you for that note there.\n\nYes. Yeah. Yes. You say what, sir? No.\n\nHang on. Smuggling. Not no. Not really. No.\n\nNo. I don't have a bill. Yeah. Yeah. Yeah.\n\nThere's four of us. Yeah. He said, yeah, to his four children. Sorry. Say again.\n\nSorry. Say again? Sorry. What was that? No.\n\nIt My mom. Oh, I thought it was going through. To three. Yeah. Yeah.\n\nMay may maybe because the other one is a bit younger. She's still under 18. So He said he would receive it as how it is for now. Yeah. Yep.\n\nI'll review it and I'll talk about it. He said was it medium? Yeah. You said you'll probably get that advice, maybe call you guys up. Yeah.\n\nYeah. He's I don't think he's Oh, is it like if he's seen it if he's ever had it falling or I think I think he was still wait. What's the word? No. I didn't really, like, I didn't really bother too much, but, you know, still a bit of, like, bother.\n\nBut, like, didn't take it to heart that bad. Yeah. Yeah. That's yeah. That's probably yeah.\n\nThat's it. No. No. I don't no. He's yeah.\n\nOkay. That'd be the case for the same. Yeah. No. It's it's all good.\n\nNo questions. Yeah. Oh. Yeah. No.\n\nAll good. Yeah. Appreciate it. Yes. Not much.\n\nProbably just be able to, you know, be in good health and better work still. It's pretty much at the moment. Yeah. Alright. Awesome.\n\nThank you very much. You have a lovely Thank you, Emory. Stay up. 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now.","start":3334.85,"end":3351.0999,"sentiment":"neutral","sentiment_score":0.05045432368150124},{"text":"Yeah.","start":3398.805,"end":3399.305,"sentiment":"neutral","sentiment_score":0.05317693203687668},{"text":"Yep.","start":3399.605,"end":3400.105,"sentiment":"neutral","sentiment_score":0.08357572555541992}],"sentiment":"neutral","sentiment_score":0.01664182636886835,"num_words":30,"start":3330.85,"end":3400.105},{"sentences":[{"text":"I'll review it and I'll talk about it.","start":3401.285,"end":3404.1848,"sentiment":"positive","sentiment_score":0.5674672015011311},{"text":"He said was it medium?","start":3465.5798,"end":3468.8,"sentiment":"neutral","sentiment_score":-0.009392324090003967},{"text":"Yeah.","start":3470.46,"end":3470.96,"sentiment":"neutral","sentiment_score":0.043888431042432785},{"text":"You said you'll probably get that advice, maybe call you guys up.","start":3526.92,"end":3534.585,"sentiment":"neutral","sentiment_score":-0.00885187997482717},{"text":"Yeah.","start":3535.765,"end":3536.265,"sentiment":"neutral","sentiment_score":0.18717628717422485}],"sentiment":"neutral","sentiment_score":0.17102289444732446,"num_words":27,"start":3401.285,"end":3536.265},{"sentences":[{"text":"Yeah.","start":3538.325,"end":3538.825,"sentiment":"neutral","sentiment_score":0.1540001630783081},{"text":"He's I don't think he's Oh, is it like if he's seen it if he's ever had it falling or I think I think he was still wait.","start":3565.395,"end":3592.335,"sentiment":"neutral","sentiment_score":-0.0991668419114181},{"text":"What's the word?","start":3592.635,"end":3593.455,"sentiment":"neutral","sentiment_score":-0.06267942115664482},{"text":"No.","start":3600.42,"end":3600.66,"sentiment":"neutral","sentiment_score":-0.18165983259677887},{"text":"I didn't really, like, I didn't really bother too much, but, you know, still a bit of, like, bother.","start":3600.66,"end":3606.3599,"sentiment":"neutral","sentiment_score":-0.19683251961281426}],"sentiment":"neutral","sentiment_score":-0.1294651419067612,"num_words":52,"start":3538.325,"end":3606.3599},{"sentences":[{"text":"But, like, didn't take it to heart that bad.","start":3606.74,"end":3611.24,"sentiment":"neutral","sentiment_score":-0.20749357094367346},{"text":"Yeah.","start":3617.455,"end":3617.955,"sentiment":"neutral","sentiment_score":-0.09931977093219756},{"text":"Yeah.","start":3631.3699,"end":3631.53,"sentiment":"neutral","sentiment_score":0.045920565724372864},{"text":"That's yeah.","start":3631.53,"end":3632.25,"sentiment":"neutral","sentiment_score":0.08021863177418709},{"text":"That's probably yeah.","start":3632.25,"end":3633.53,"sentiment":"neutral","sentiment_score":0.0469447560608387}],"sentiment":"neutral","sentiment_score":-0.10122311324812472,"num_words":16,"start":3606.74,"end":3633.53},{"sentences":[{"text":"That's it.","start":3633.53,"end":3634.19,"sentiment":"neutral","sentiment_score":0.06334497313946486},{"text":"No.","start":3658.88,"end":3659.28,"sentiment":"neutral","sentiment_score":-0.15336546301841736},{"text":"No.","start":3659.28,"end":3659.52,"sentiment":"neutral","sentiment_score":-0.17585328221321106},{"text":"I don't no.","start":3659.52,"end":3660.5,"sentiment":"neutral","sentiment_score":-0.21054653326670328},{"text":"He's yeah.","start":3660.64,"end":3662.42,"sentiment":"neutral","sentiment_score":-0.001350056380033493}],"sentiment":"neutral","sentiment_score":-0.09298539016809729,"num_words":9,"start":3633.53,"end":3662.42},{"sentences":[{"text":"Okay.","start":3724.3801,"end":3724.7002,"sentiment":"neutral","sentiment_score":0.010211780667304993},{"text":"That'd be the case for the same.","start":3724.7002,"end":3726.24,"sentiment":"neutral","sentiment_score":0.04865741756345544},{"text":"Yeah.","start":3728.545,"end":3729.045,"sentiment":"neutral","sentiment_score":0.10413005948066711},{"text":"No.","start":3783.41,"end":3783.73,"sentiment":"neutral","sentiment_score":-0.08367657661437988},{"text":"It's it's all good.","start":3783.73,"end":3784.8699,"sentiment":"neutral","sentiment_score":0.058877880685031414}],"sentiment":"neutral","sentiment_score":0.043341336372707574,"num_words":14,"start":3724.3801,"end":3784.8699},{"sentences":[{"text":"No questions.","start":3785.65,"end":3786.31,"sentiment":"neutral","sentiment_score":0.06306185759603977},{"text":"Yeah.","start":3786.53,"end":3787.03,"sentiment":"positive","sentiment_score":0.34233558177948},{"text":"Oh.","start":3788.29,"end":3788.79,"sentiment":"positive","sentiment_score":0.3576529026031494},{"text":"Yeah.","start":3801.48,"end":3801.98,"sentiment":"neutral","sentiment_score":0.1434101164340973},{"text":"No.","start":3860.4,"end":3860.72,"sentiment":"neutral","sentiment_score":0.0010690838098526}],"sentiment":"neutral","sentiment_score":0.1617652333031098,"num_words":6,"start":3785.65,"end":3860.72},{"sentences":[{"text":"All good.","start":3860.72,"end":3861.2,"sentiment":"neutral","sentiment_score":0.07385429739952087},{"text":"Yeah.","start":3861.2,"end":3861.5198,"sentiment":"neutral","sentiment_score":0.08507842570543289},{"text":"Appreciate it.","start":3861.5198,"end":3862.5,"sentiment":"neutral","sentiment_score":0.21669520437717438},{"text":"Yes.","start":3877.595,"end":3878.095,"sentiment":"neutral","sentiment_score":0.18407049775123596},{"text":"Not much.","start":3897.5251,"end":3898.0051,"sentiment":"neutral","sentiment_score":-0.10494377836585045}],"sentiment":"neutral","sentiment_score":0.08004504628479481,"num_words":8,"start":3860.72,"end":3898.0051},{"sentences":[{"text":"Probably just be able to, you know, be in good health and better work still.","start":3898.0051,"end":3902.0051,"sentiment":"neutral","sentiment_score":0.15364489977558454},{"text":"It's pretty much at the moment.","start":3902.0051,"end":3903.625,"sentiment":"neutral","sentiment_score":0.070502703388532},{"text":"Yeah.","start":3903.685,"end":3904.185,"sentiment":"neutral","sentiment_score":0.1857108771800995},{"text":"Alright.","start":3935.63,"end":3936.1099,"sentiment":"positive","sentiment_score":0.3399962782859802},{"text":"Awesome.","start":3936.1099,"end":3936.43,"sentiment":"positive","sentiment_score":0.7111477851867676}],"sentiment":"neutral","sentiment_score":0.1651893607340753,"num_words":24,"start":3898.0051,"end":3936.43},{"sentences":[{"text":"Thank you very much.","start":3936.43,"end":3937.3098,"sentiment":"positive","sentiment_score":0.7724443972110748},{"text":"You have a lovely Thank you, Emory.","start":3937.3098,"end":3941.5698,"sentiment":"positive","sentiment_score":0.6226345981870379},{"text":"Stay up.","start":3941.8699,"end":3942.67,"sentiment":"neutral","sentiment_score":0.1905892975628376},{"text":"Bye.","start":3942.67,"end":3943.17,"sentiment":"neutral","sentiment_score":-0.10484720766544342}],"sentiment":"positive","sentiment_score":0.5517536545438426,"num_words":14,"start":3936.43,"end":3943.17}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Dana, Okie Financial. I would say, like\n\nChannel 1: Hi. It's speaking.\n\nChannel 0: Hi, miss Zach. It's Dana from Okie Financial. How are you this morning?\n\nChannel 1: Well, thank you. Yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had yourself booked in with Bowie to go through his annual review today. Is now still a good time there for you both?\n\nChannel 1: Yeah. Of course. Yeah.\n\nChannel 0: Fantastic. If it's okay, I do need to do security with you both first up. But am I on speakerphone? Is Bawi there? Can he hear me okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Hi, Bawi. How are you this morning?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. I hope it's lovely where you're both located today.\n\nChannel 1: Yeah. It's very good. Pretty good day.\n\nChannel 0: Excellent. Excellent. Before I jump into the call, I do have to let you know we both, sorry, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do a quick security check there for you as well, I just need to do a security check on both of you. If you can please, Masik, just let me know your full name, your date of birth, and address I should have on file for Bawi.\n\nChannel 1: Boy, we come home soon. But day is eighteen nine nineteen seventy three. 56 Lotus Land Of Sabah, New South Wales.\n\nChannel 0: Beautiful. Thank you so much for that. And, Massey, can I just confirm your\n\nChannel 1: Yes.\n\nChannel 0: your full name as well?\n\nChannel 1: Yep. Give us a call. Oh. It's me that phone time.\n\nChannel 0: Beautiful. Thank you so much for that. Excellent. So, essentially, I just wanted to kind of touch base and sort of go through the annual review with you. Obviously, we do have an an external third party authority on file for yourself, Maxx, so you can sort of help Bowery along to make sure that he understands everything that we are saying and doing.\n\nIt\n\nChannel 1: Yes.\n\nChannel 0: is really important that with the annual review that Bowery is the one that is able to answer the questions. So whether he lets you know what he wants to how he wants to answer and you refer back to me, that's absolutely fine. I just need to make sure that Bowie is understanding of everything that we're going through.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: It does look like there are some changes I would like to make to his super. I do kinda wanna look at ways to be able to boost things a bit more and sort of focus on his retirement goals a bit further down the track. So if there is anything that either of you have, any questions that either of you have or anything in-depth that you want me to kind of focus on today, please let me know in detail. As Bowie's son, I do just wanna make sure you're aware that we do act in his best interest, that we do work under the corporations acting in the best interest duties. So we are here to make sure that we're boosting his super and looking after things in in in line with his goals.\n\nAnd as having a an external third party authority on file, you're welcome to call me and let me know if you have third party authority on file, you're welcome to call me and let me know if you have any questions. You can't change make any changes on his behalf, but yourself and Ruth are able to call us questions and receive copies of documents as well so that, obviously, everyone is acting in in Valley's best interest, and you're able to keep track of things that way as well if you would like to. Does that make sense? Do you have any questions at all so far\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: at all?\n\nChannel 1: No. No\n\nChannel 0: No.\n\nChannel 1: questions at the moment.\n\nChannel 0: Excellent. Fantastic. Well, let's sort of jump into things to start with. I do have an email to send through to you just with the details regarding the sofa. I do need to send it through to Bowery's email address.\n\nAre you able to access that? Is he able to log in to that currently?\n\nChannel 1: Yep. Yeah. Yeah. In the email phone.\n\nChannel 0: Yep. Beautiful. I've just sent it through now. It'll come through from Odoo Sign and ordana at Oakview Financial.\n\nChannel 1: Phone.\n\nChannel 0: If it doesn't come through, please do also check your junk mail. Sometimes I get directed through the junk mailbox.\n\nChannel 1: Yeah. It's coming. Yeah. I'm\n\nChannel 0: Oh,\n\nChannel 1: on the\n\nChannel 0: beautiful.\n\nChannel 1: porch now.\n\nChannel 0: Excellent. Is it nice and sunny in Coffs Harbour this morning?\n\nChannel 1: Yeah. It's actually been quite today.\n\nChannel 0: Oh, fantastic. It's so beautiful down there. It's one of my favorite\n\nChannel 1: Oh,\n\nChannel 0: places.\n\nChannel 1: yeah.\n\nChannel 0: I love Coffs.\n\nChannel 1: Oh, that's great. How's that yours? Good or no?\n\nChannel 0: Yeah. It's nice and sunny. So we're in Southport on the Gold Coast, but\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: yeah.\n\nChannel 0: actually\n\nChannel 1: That's not\n\nChannel 0: live\n\nChannel 1: too\n\nChannel 0: in\n\nChannel 1: bad.\n\nChannel 0: New South Wales. Yeah. I actually live\n\nChannel 1: Oh,\n\nChannel 0: at\n\nChannel 1: yeah.\n\nChannel 0: Tweed over the border\n\nChannel 1: Oh,\n\nChannel 0: there,\n\nChannel 1: yeah.\n\nChannel 0: so I'm a fellow New South Waleser. But\n\nChannel 1: Very\n\nChannel 0: it's\n\nChannel 1: nice.\n\nChannel 0: nice and sunny, so that's good.\n\nChannel 1: That's good. That's very good.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: There we\n\nChannel 1: this document,\n\nChannel 0: go.\n\nChannel 1: if you want him to find it, or did you just we'll just look into this.\n\nChannel 0: We're just gonna look at them first. So I will never ask you to sign anything that you have not read through. So if you press\n\nChannel 1: Yeah.\n\nChannel 0: the button, it should say sign here or sign now. You press that so you can move forward through the documentation, and it just lets you view them to start with, if that makes\n\nChannel 1: Yeah. Yep.\n\nChannel 0: sense. Yep. Beautiful. So now the first document you should have attached there should say summary of superannuation and insurances as of the August 24 there. Can you see that one?\n\nChannel 1: I think I already pressed next on that first page.\n\nChannel 0: That's okay. You can go back if you need to.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: You got it. Perfect. Sorry about that. All good. So it does show the updated super balance within Netwealth and Ethical Super.\n\nChannel 1: Yep.\n\nChannel 0: So within the Netwealth Superfund, we have $75,512.20 there.\n\nChannel 1: Yes.\n\nChannel 0: When I look back at the Netwealth balance as of this time last year, the balance was around about $74,039.21. So, realistically, we haven't had a lot of growth this year. It is around a lot to do with what's been happening in the markets as a whole. But\n\nChannel 1: Mhmm.\n\nChannel 0: I would like to maybe look at what we can do moving forward because one of the things I sort of wanted to look at was, obviously, Bowie wanting to retire and boosting super for that. Because, realistically, based on the current balance that he does have, we're not gonna kind of have as much of a good retirement. We wanna kinda provide greater growth and boost to that. So we wanna sort\n\nChannel 1: Yes.\n\nChannel 0: of talk today a bit more about how to help you along with that. In the ethical super so the last advice document I sort of looked at, we had moved majority of the funds into Netwealth to provide greater growth and to have it invested so it was able to work harder for you. The idea of retaining back the ethical super was just to keep the income protection side of things in place. We weren't able to get new income protection for him back when we originally looked at it, so we do have or have had to retain those two super funds there. So the income protection is paid for out of the ethical super, and then we've we're holding the two funds there.\n\nRealistically, what we wanna do, if we are holding two super funds, we wanna sort of only have a minimum balance held within Ethical Super there. The main concern I sorta have with the two funds at the moment is that your balance overall is quite low, and your contributions at the moment, Bowery, they are actually going into the net wealth funds. So your ethical super is not getting any additional contributions. That is okay to keep it that way because the we've we've got an opt in in place. So we have opted into the insurances, which means if no contributions go into ethical super, we have into the insurances, which means if no contributions go into ethical super, they will still keep the income protection in place as long as there is enough money to pay for the premiums there.\n\nBut I think what I'd like to do today with you both is really talk about the level of insurances that you have that you need, and really look at what what we can do moving forward. Because, realistically, for your agent's age, your balance is a lot lower than where I realistically like it to be. And moving forward, in order to make super work as hard as possible and to give you the best possible retirement, we need to kind of get more money into super and be able to make it work a bit harder for you. Does that make sense? And do you have questions so far?\n\nChannel 1: Yeah. I'll just tell that a bit. Yeah.\n\nChannel 0: Yes. Sorry.\n\nChannel 1: That's all good. No worries.\n\nChannel 0: All good.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Is there any questions that have come up so far from any of you?\n\nChannel 1: Because you say you got two super accounts. Right?\n\nChannel 0: He does. Yes. So we have the Netwealth Fund there with the 75,000, and we've still got the Ethical Super, which used to be Christian Super. And that's\n\nChannel 1: Okay.\n\nChannel 0: currently retaining the 14,000, and that's where the the income protection policy is paid from.\n\nChannel 1: So that way, it's got two separate because you've got income.\n\nChannel 0: Yeah. So we weren't weren't able to get income protection back when he did come on board as a client. So it was opted to retain the income protection he had. The main sort of purpose to having income protection is that it covers a a portion of your income if you're unable to go to work in the short term. So\n\nChannel 1: Yeah.\n\nChannel 0: as\n\nChannel 1: Of course.\n\nChannel 0: an example, if he broke a leg or something and was unable to go to work in the short term, if he was to meet the waiting period, he could claim the monthly benefits essentially to help cover a portion of his income whilst he is recuperating there. Yeah. Did you need to let Vowie know any of that? Sorry. I'm trying to go a bit\n\nChannel 1: No.\n\nChannel 0: slower\n\nChannel 1: No.\n\nChannel 0: for\n\nChannel 1: It's\n\nChannel 0: you.\n\nChannel 1: all good.\n\nChannel 0: That's\n\nChannel 1: Because\n\nChannel 0: okay.\n\nChannel 1: also, he's just he's also moved moved jobs as well.\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: Move to jobs.\n\nChannel 1: don't think he's he's new. I don't think he's putting anything in ethical anymore.\n\nChannel 0: No. It's all going into the Netwealth Fund. So I do\n\nChannel 1: Yes.\n\nChannel 0: wanna keep an eye on that Ethical Super to make\n\nChannel 1: Oh,\n\nChannel 0: sure\n\nChannel 1: okay.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: because there's no contributions going in there, the funds are still invested, so they should still technically see growth. But\n\nChannel 1: Yeah.\n\nChannel 0: if the balance in Ethical drops below the minimum or drops below the point where they won't be able to take them the premiums after the income protection, that's when that insurance will drop off or essentially expire. So we just wanna make sure that there's enough money in there to cover the insurance premiums and that\n\nChannel 1: Yeah.\n\nChannel 0: ethical is looked after that way. There is it's fine for him to keep his contributions going into Netwealth. There is nothing wrong with that at all. It's just making sure that insurance stays in place if that's important to him at this point, if that makes\n\nChannel 1: Yeah.\n\nChannel 0: sense. Yeah.\n\nChannel 1: All good to just consolidate the accounts\n\nChannel 0: Yeah. We\n\nChannel 1: into\n\nChannel 0: can.\n\nChannel 1: the\n\nChannel 0: Is\n\nChannel 1: into the main one that he's\n\nChannel 0: yep.\n\nChannel 1: got from his main job instead of the other one? Because it's no point in\n\nChannel 0: We\n\nChannel 1: it wasn't.\n\nChannel 0: yeah. No. That's a good question. We definitely can. The the only thing is the insurances.\n\nSo is the income protection policy important for him to keep? Does he wanna keep that income protection policy, or is he happy to sort of cancel that? How does he feel about that?\n\nChannel 1: So did you say the income policy, was that one the ethical one?\n\nChannel 0: That's the one that's\n\nChannel 1: Yeah.\n\nChannel 0: paid out of the ethical super. Yeah.\n\nChannel 1: Income income Yeah. We would my dad said we'll probably move the Aware Super and consolidate\n\nChannel 0: Mhmm.\n\nChannel 1: with the ethical super. It was the one with the income protection.\n\nChannel 0: So the Netwealth into the ethical super?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. That's okay. So we can absolutely do that. It's not a problem at all.\n\nWe by doing that and look, honestly, it's completely up to you and him and how he feels.\n\nChannel 1: Yeah.\n\nChannel 0: By moving it back out of Netwealth and moving it into the ethical super, it does mean that we're not really able to look after that in any way, shape, or form. So it does mean you're essentially ceasing our services as an adviser. In saying that, that's not necessarily a bad thing. We can I can still talk to you about the insurance aspect? The other thing is on the bottom there, he's also got the Clearview insurances.\n\nThey are currently paid out of the Netwealth account. So he would need to also have those changed to be paid out of the the Ethical Super account. We can if he decides he wants to move everything back into the ethical super, which is honestly not a bad idea being as the balance is a little bit lower, it just means that the Clearview insurances need to be changed. They're paid out of that ethical super as well, which we can certainly help you with. It's just a form to have the premiums deducted from the other account.\n\nThat's easy enough to do. He can we are not able to sort of look at the ethical super. We have limitations around how we can assist with that. However, he can sort of remain with us as an insurance only client. So we can still do reviews with you guys every year, look at what the insurance levels are, look at how it's sort of affecting a super.\n\nThere are just sort of limitations on what we can do with the ethical super because we're not an adviser linked to the to that sort of super fund. We only have\n\nChannel 1: Yes.\n\nChannel 0: what's called a third party authority, which is basically the same sort of thing that you have with us. It's just basically\n\nChannel 1: Yes.\n\nChannel 0: where we can inquire, find out information. We can help and provide advice around it, but we can't make any changes to it, which does make it very difficult, especially when it comes to Bowe's situation, where, you know, we're giving him advice, but we wanna make sure it's in his best interest. At the end of the day as well, it does have to be what is right for him. So if he would prefer to have it all moved into that ethical super and keep it all consolidated, there's nothing wrong with that. One of the big things and concerns I have is that the balance is quite low currently.\n\nSo having two super funds does mean he is paying more in administration fees, investment fees. So having it in one place would work out much better for him because moving forward, everything being invested in one place, you know, more money makes more money. So having it in one super fund can save him on fees and can provide a bit more of a boost to his super fund. The other side of things is\n\nChannel 1: I\n\nChannel 0: adding additional contributions. Does is Bowie in a position where he can put some more money into super increase his contributions in? Is that a is that any consideration that could be made?\n\nChannel 1: was asking. Uh-huh. Check. Yeah, he's a yes. It's a condition considerations.\n\nChannel 0: Yes.\n\nChannel 1: Mhmm. But he's just gonna just work things a bit more out to have a bit more think about how much you would have to put in.\n\nChannel 0: Yep. Yep. Absolutely. What I might do, if you're comfortable with it, and I can always put you into the email if you like, is after the call, I can go back to our head of advice, our licensee. I can put forward the scenario and the conversation we've had about maybe moving moving value back into ethical super and look at, you know, how we can maybe provide a one off advice piece on, you know, how to roll back into Ethical Super, how to have the funds invested within Ethical Super.\n\nIt does mean that you would, well, Bowie would need to kind of go through the process of implementing himself. So he would need to contact Ethical Super, change the investments if that's what he wants to do. We could sort of show him how to how much to put into the super fund on a regular basis. It just means that long term, we're not really able to alter the advice in any way, shape, or form. It would\n\nChannel 1: Yep.\n\nChannel 0: just be a one off kind of advice piece to sort of cement moving back into ethical super and what to do moving forward. The other option I could look at, depending on the changes to his circumstances, is I could look at a way to move him from ethical into Netwealth and see if I can consolidate things that way if he is open to doing it. I don't want this to be solely around staying as a client and being on fees. It's gotta be what's right for for him and for you guys as well. But if there was a way that I could consolidate into Netwealth, would he be open to doing that, or would he rather go back to ethical?\n\nChannel 1: I I think we'll just he just changed his mind again.\n\nChannel 0: That's okay.\n\nChannel 1: It won't happen. Yeah. We're just at the moment, just keep everything the same, and we'll just go through what we need to\n\nChannel 0: Yeah.\n\nChannel 1: for today. And I think that's gonna I'll I'll let I'll talk to them again. And if because we can always call you guys, right, or send amendments\n\nChannel 0: Abs\n\nChannel 1: or send\n\nChannel 0: absolutely.\n\nChannel 1: you\n\nChannel 0: Yeah. Definitely. Definitely. There\n\nChannel 1: know?\n\nChannel 0: is some eligibility questions that I can ask if you're comfortable with me doing that to be able to confirm whether we could maybe look at transferring his income protection policy over to Netwealth. Is he okay if I was to go through those now with you to ask those questions to see if there's eligibility to consolidate that way?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Is that way okay if I ask those couple of questions?\n\nChannel 1: Yeah. It'd be fine.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. It's all good to go.\n\nChannel 0: Okay. Beautiful. So there is only six questions. I'll ask them as simply as possible. I'll ask each one, and then you're able to ask Zoe, and then we can confirm the answer.\n\nChannel 1: Yeah.\n\nChannel 0: But is he currently off work or not able to perform his normal full time occupation or duties on a full time basis? So is he not able to is he currently off work or not able to perform his normal full time occupational duties?\n\nChannel 1: Well, he's not in the he's not full time anymore. He's changed\n\nChannel 0: Okay.\n\nChannel 1: jobs. He's casual,\n\nChannel 0: Okay. Casual.\n\nChannel 1: but he pretty\n\nChannel 0: How many\n\nChannel 1: he pretty much works full time hours pretty much.\n\nChannel 0: okay. How many okay. So full time hours. So we're still working roughly, say, thirty to thirty eight hours per week. Is that right?\n\nOkay. And that's fairly consistent every week?\n\nChannel 1: Yeah. Like, since, yeah, since it started, it's been pretty much consistently.\n\nChannel 0: Okay. Beautiful. Fantastic. The next question here is, has he been off work or absent unable to perform his full time duties for in the last twelve months? So not including if he's been off sick or so has he been off work or not able to for a longer period of time, say, more than six days over the past twelve months.\n\nChannel 1: No. It's it's it's always been working.\n\nChannel 0: Yep. Beautiful. The next one here is, has he ever been diagnosed, or does he suffer from an illness that may cause inability to do his normal full time occupation?\n\nChannel 1: So an injury? No. No. No. He doesn't have any injuries.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Has he ever had insurance an insurance application for death, TBD, terminal illness, income protection, or accident and sickness cover ever refused? So has he ever had insurance application declined to his knowledge?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: No. Yeah. He's never claimed or has ever been denied. So\n\nChannel 0: Okay. Beautiful. Has he ever been eligible to be paid, or is he currently eligible to claim on any kind of injury or illness, workers' compensation, government benefits, or any insurance policies?\n\nChannel 1: I I don't think he I don't think he even knows himself. He probably is, but he he's not doing any claims or anything at that moment. Mhmm.\n\nChannel 0: Nope. That's okay. Excellent. And the last one here is, has he ever had an application for death, TPD, terminal illness, or income protection ever offered on nonstandard terms?\n\nChannel 1: I don't think he has.\n\nChannel 0: Nope. That's okay. Look. There there is based on this questionnaire, it looks like he may be eligible to have the policy transferred into Netwealth, which means that if he wants to remain as a client of ours, and this is completely up to you guys. You it's a conversation that you may need to have as a family to work out what is important to you.\n\nChannel 1: Yes.\n\nChannel 0: I would love to keep you both keep you here and help work towards his retirement goals and boost\n\nChannel 1: Yes.\n\nChannel 0: super as much as possible, but it's gotta be right for him as well. So\n\nChannel 1: Yes.\n\nChannel 0: if there is a way to do that, I could look at how we could maybe transfer that policy from the Ethical Super Internet wealth and consolidate things that way. That means that we can still look after everything. We can still monitor the investments. And one of the biggest things between Netwealth and Ethical Super is that Netwealth has a lot more investment options, and that's why we, as advisers, like these sorts of super funds, we can alter the investments within. We can buy and sell and change portfolios because we have a wider range of investment options to choose from.\n\nWhereas within the industry funds like Ethical Super and Christian Super, you only have a very limited scope of what you're able to invest in. So there is that kind of aspect, but it's also gotta be what's comfortable. Would he like me to do the research around that and maybe update the advice documents update the advice to reflect these changes so then you can take the advice back and look at things as a whole and decide whether you would like to stay on board or whether you wanna go to ethical super. Is that an option that I might be able to undertake for you all?\n\nChannel 1: Yeah. He said, yes, please.\n\nChannel 0: Yep. You and, look, there's no obligation whatsoever. So if I go into the advice document and we come back in a few weeks and we go through it together and we decide that he's not comfortable proceeding, doesn't wish to go forward with this recommendation, he is under no obligation to do so. It is absolutely fine. You can tell me that you don't wish to take it on board, and I will help move you back to ethical super.\n\nSo please don't feel like there is any obligation here. I'm just wanting to look at the options and show you guys how we can help, but also make sure that the advice is within his best interest. And, you know, we're boosting super as much as possible. Because as I've kind of mentioned, the the fact that the balance is quite low means that we really need to kinda get that up, get that moving the for his retirement to be a factor. Because looking at things, does Valerie know what age he'd realistically like to stop working?\n\nI know the last conversation was that he'd work as long as he possibly can. But, realistically, what age would he like to retire?\n\nChannel 1: It's not sure. It's probably it's probably, like, some 60 or something.\n\nChannel 0: Okay. Yeah. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Well, if we were to focus on 60, because 60 is realistically the earliest that he's able to access his super. That essentially gives him a seven year time horizon because Vowie is 53 next month.\n\nChannel 1: Yep.\n\nChannel 0: So, realistically, it's a seven year time horizon. And given the current balance we have between the two, we're looking at '85, '89 to $790,000. It's less than 100,000 so far. That would not last very long. And with the\n\nChannel 1: Yes.\n\nChannel 0: age pension aspect, you're not eligible for age pension until 67. So we'd have to find a way if he wants to retire in seven years to be able to boost super as much as possible so he can draw income between 60 to 67 and then, hopefully, get age pension access from 67 onwards, which is absolutely fine, and we can certainly help with that. But right now, we do need to do things to kinda boost his super a little bit more. Can I ask, does your mom work as well? Does she have any super to fall back on, or is Valley super the only thing you they have as a family to retire on?\n\nChannel 1: Yeah. She does have a supervisor.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Roughly, what might her balance be? Does she know?\n\nChannel 1: Not as much as my dad.\n\nChannel 0: Okay. So it's lower. Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That's okay. That's okay. We'll we'll do what we can to help Maui move his super higher and sorta get things rolling a little bit more here so that we can, you know, have that to rely on.\n\nChannel 1: Yeah.\n\nChannel 0: I'll focus on a base age of 60, but I'll also take into account 65 and 67 within the advice piece so we can look at where we're tracking for it in the next seven years, but also then if he keeps working, what this might look like. Just you get a a kind of overall picture of the circumstances and where we're projecting out. Does that sound okay? Do you have any questions in relation to any of that?\n\nChannel 1: No. All good.\n\nChannel 0: No. That's okay. All good. Good.\n\nChannel 1: Yeah. Yeah. All good.\n\nChannel 0: Beautiful. Now the other thing I just wanted to touch on is with the new role. So Bowie is now working for Coffs Harbour Christian Community School. Is that right?\n\nChannel 1: No. He's he's done he's finished his job there. He's\n\nChannel 0: Okay.\n\nChannel 1: casual at at the hospital as a as a casual cleaner.\n\nChannel 0: Okay. Beautiful. Cleaner. And what kind of income is he expecting to earn this year as a casual cleaner?\n\nChannel 1: I have no clue. He only started in March.\n\nChannel 0: Okay. What is his average take home pay at the moment? Does he know? 2,500 per fortnight or per week?\n\nChannel 1: Half. A fortnight. Per fortnight.\n\nChannel 0: Per fortnight. Beautiful. Thank you so much for that. And I will just show here that is take home pay. Beautiful.\n\nAnd he's not currently making any salary sacrifice, so he hasn't opted to put any additional contributions to super. No.\n\nChannel 1: No. I don't think so. No.\n\nChannel 0: Okay. The chemicals. What sort of chem what's the harshest chemicals he might use as part of his role? Okay. No.\n\nNo. That's okay. Beautiful. I'll go back and do a little bit of research around the options. But based on the questions I've got, it doesn't look too bad, but we'll go back and do a bit of additional research.\n\nIf I find that we can't consolidate into Netwealth or we need to look at other options, I'll do that for you. The other\n\nChannel 1: Yes.\n\nChannel 0: thing I wanted to maybe look at doing was and, look, if this becomes too complicated, please let me know. I wanna kind of look at making it easier. I can\n\nChannel 1: Yeah.\n\nChannel 0: also assess Netwealth against other super funds out there. So there are other funds that might be lower in administration fees. It might be worth that we're moving out of both ethical super and Netwealth super and into an entirely new super fund. If I recommend something like that, is he okay with me assessing all the different options and seeing where else it might be better for him to put his funds and how this might benefit him?\n\nChannel 1: Yeah. He said he yeah. He's happy.\n\nChannel 0: Yep.\n\nChannel 1: He\n\nChannel 0: Beautiful.\n\nChannel 1: says\n\nChannel 0: I don't wanna over excellent. I don't wanna overcomplicate things for him, especially as you're interpreting things\n\nChannel 1: fine.\n\nChannel 0: for him as well. But if there is another cheaper fund out there for it, it might be better for him to move out of those two funds wholly and move into something else. So I can look at all those additional options to see where things might work better for him if that's comfortable. We can then come back. We'll talk through the advice.\n\nYou guys can take it back and read it as a family and talk it over. Ask me any questions. The all the advice we provide is valid for sixty days, so you have time to take that back to review it, to read it, and to come back and ask me additional questions if you need to do so. Does that sound okay?\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: Yeah. Beautiful. Fantastic. The other things I just wanted to sort of touch on now, going back to that email there, underneath that, bow, he does have his ClearView life and TBD policy. Does he understand how those insurance policies work, how they pay out?\n\nDoes he have any questions about the insurances within ClearView at all? He's all good. Beautiful. With the the life and TPD policy that he holds there, the sum insured is $713,006.00 4. Is he happy with that level of cover?\n\nDid he wanna review that or anything?\n\nChannel 1: All good for the moment there.\n\nChannel 0: That's all good. Beautiful. Perfect. I will if it's easier for you as well after the call, I'll do a little bit of an email recap. I can send it to Bowery as well as yourself and maybe Ruth if you'd like to as well.\n\nThat way, you're all encompassed into the conversation with what we're looking to do. Advice wise, the research I'll conduct, but it also just recaps the conversation as well just so you have that in case you need it. Is that something you guys would prefer to have after the call as well?\n\nChannel 1: Oh, yeah. Yes, please. Yeah. That'd be great.\n\nChannel 0: Yep. Beautiful. Fantastic. On that document there, you'll notice underneath the ClearView policy, you've got the premiums noted there. Now it does essentially show that for the year, for having his wife and TPD paid out of the Netwealth Fund, the insurer receives the top premium, the 8,255.\n\nHe has actually paid 7,017 for these insurances. Essentially, when you pay these insurances out of Sufi, you do actually get a a bit of a rebate or a 15% discount on that. So that's why he's only paid the 7,017, but the insurer receives the higher amount. Does that have any does that make sense? Do you have any questions?\n\nChannel 1: No. Yeah. All good.\n\nChannel 0: That's okay.\n\nChannel 1: Give me\n\nChannel 0: If\n\nChannel 1: a\n\nChannel 0: you\n\nChannel 1: second.\n\nChannel 0: please\n\nChannel 1: Yeah.\n\nChannel 0: let me know if any please let me know if there's any questions that come up, if you need me to clarify anything for yourself at all as well just to make\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: Of\n\nChannel 0: it\n\nChannel 1: course.\n\nChannel 0: sure it's\n\nChannel 1: Okay.\n\nChannel 0: all clear across\n\nChannel 1: No. Just\n\nChannel 0: the broad.\n\nChannel 1: give me\n\nChannel 0: Beautiful.\n\nChannel 1: that.\n\nChannel 0: The income protection within the ethical super is noted below that. So that is paid on a monthly basis out of the ethical super fund. That's $31 and 40 as a monthly premium, and it essentially covers him for 46,800. That would be the yearly amount. So if he was\n\nChannel 1: Yep.\n\nChannel 0: on an income protection claim, that yearly amount would be deduct be broken down to a monthly amount, essentially. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The next document out in that is the Netwealth asset performance detail report. So it does essentially show that for this year, as a whole, the portfolio has returned a positive return of 4,083 doll sorry. $4.4.83 percent. I do apologize.\n\nIt is\n\nChannel 1: That's okay.\n\nChannel 0: income of a bit over $3,400. So as I kinda mentioned, the return is much lower for this year. I'm not a 100% happy with the return that it has provided. Would like to see certainly more for the risk profile that he is in. However, there are years where we see a lower rate of return because markets might not be performing as well, and this year was one of those.\n\nEssentially, with seeing what happened between The US and the Iran war, but also here within Australia, which had very high inflationary rates. Those sorts of things have affected the market. So we know we we do see years of lower returns. I am happy that he has got a positive return for this year, and I do wanna kinda build on that for him. Does that make sense?\n\nAnd does either of you have any questions?\n\nChannel 1: No. It's it's all good.\n\nChannel 0: That's okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: The next document in there, I believe you should see is the Vanguard index chart. That is just a bit of a guide on how markets performed. It doesn't have any kind of reflection on his super as a whole. But, essentially, with the Vanguard index chart, it shows how markets go up and down. And when we have good years, we also expect lower years as well.\n\nSo it is just a bit of a guide. I won't go into it on a huge amount of detail, but do you have any questions about masters as a whole about investing or anything around the portfolio?\n\nChannel 1: No. It's all good at the moment.\n\nChannel 0: That's okay? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: The next document you should see in there is probably the Clearview certificate certificate of currency. Can you see that document there?\n\nChannel 1: Okay. Services guide.\n\nChannel 0: That that's okay. So that's the that's the financial services\n\nChannel 1: Alright.\n\nChannel 0: guide. What's\n\nChannel 1: Yeah.\n\nChannel 0: the one\n\nChannel 1: Is that the next\n\nChannel 0: beyond\n\nChannel 1: page?\n\nChannel 0: that? Yeah.\n\nChannel 1: Oh, yes. Yep. Same\n\nChannel 0: Beautiful.\n\nChannel 1: here. Yep.\n\nChannel 0: Sorry. I'm just looking at the stuff file. I can't quite see the kinda guessing which document is the\n\nChannel 1: Oh,\n\nChannel 0: next\n\nChannel 1: okay.\n\nChannel 0: one.\n\nChannel 1: Yeah.\n\nChannel 0: Apologies.\n\nChannel 1: All\n\nChannel 0: You're fine. What's the next document you can see there?\n\nChannel 1: good. So I've got this currency. Do we go next?\n\nChannel 0: Yep. Yep. Beautiful. So that's as you get a currency. It's just showing you an in-depth of the in-depth policy with the ClearView policy there a bit more detail around his cover.\n\nAnd if you click next, you should then see, I believe, the ongoing fee agreement. Can you see that one there at all?\n\nChannel 1: Advanced fee consent?\n\nChannel 0: That's the one. Yeah. So for our services, because we're financial advisers, we are a professional service, and we provide advice for looking after his super and helping him meet his goals and working forward. In order to do our job, we do charge an ongoing service fee for doing so. Our ongoing service fee is 1.65% when the balance is less than 200,000 within super.\n\nAnd this is only factored into the balance within the Netwealth account there as well. We don't charge any of the fees for the ethical super balance because we're not able to we don't have any we only have an authority to inquire on that account there, so we're not able to charge any sort of fees out of that. This essentially the way it works is we charge 1.65 percent on a yearly basis, and our ongoing service fee is deducted in smaller monthly increments out of the super fund. And that allows us to continue providing our services, making sure we do regular catch ups, making sure we do the annual reviews, and also update the advice to keep the super working harder. Essentially, this document here on the first page, if you look a little bit below, one of the blue headings should be you will pay for the following ongoing service fees.\n\nIt actually shows for the year, the ongoing service fee that\n\nChannel 1: Yeah.\n\nChannel 0: Valley will pay to us is $1,308.25.\n\nChannel 1: I\n\nChannel 0: Can you see that\n\nChannel 1: can.\n\nChannel 0: there? Yep. Essentially.\n\nChannel 1: Yep.\n\nChannel 0: So we make that into a fixed dollar fee. We work out how much he's expected to pay for the year based on the 1.65%. It is encompassing about 5% growth under the fund there, and he won't pay any more regardless of what happens with with the super. But we just like to disclose that, have it sitting there, letting you know that we do charge a fee. We are a professional service, and we do look after it.\n\nBut there's no additional fees for the ongoing advice, like, for the next advice piece. There's no implementation cost around that. It's all encompassed into this ongoing service fee. Does that make sense? And do either of you have any questions?\n\nChannel 1: No.\n\nChannel 0: That all make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Essentially, once you're welcome to take this back and have a bit of a look at the documents prior to you signing them. But if that way, he does wanna retain us as his advisers to the moment in order to kind of look at the advice and do everything that I will be doing. We do ask that you sign and return that back so we can keep looking after everything for you guys.\n\nAs I kinda mentioned before, once I do provide the advice to you, if you decide you no longer want our services, wanna roll back into Ethical Super, you are more than welcome to let us know that there are no locking contracts for our services, and we can cancel this anytime should you wanna cease those services and move into another fund at all. Does that make sense? And do you have any questions?\n\nChannel 1: No. That makes\n\nChannel 0: That makes sense? Beautiful. Just wanna make sure that everything is nice and clear, and I'm honest and open with everything so you have all the information that you all need to be able to make an informed decision. Okay?\n\nChannel 1: sense. Yep. Yep.\n\nChannel 0: Beautiful. Just for your preference as well, the ongoing sorry. The OP Financial Services guide that you did see a while ago, I will attach that to the email shortly as well for you with the recap and the information to be provided after the call. But that essentially runs you through everything about our services, who we are, what we do as advisers, our fee structure, and all the advice that we're able to provide to you guys as well. So if I attach that to the recast email, it means that you and Ruth will also have a copy of that document.\n\nSo you guys understand who we are, what we do, and also, Vowie's well informed. Does that make sense? Yeah. Beautiful. Do you have any questions about how we do our job, how advisers work, or how advice works, or any of what we've gone through so far for yourself?\n\nChannel 1: No. I'm I'm I'm all good. I'm pretty\n\nChannel 0: You're\n\nChannel 1: full\n\nChannel 0: all\n\nChannel 1: bottle.\n\nChannel 0: good.\n\nChannel 1: You know? Yeah.\n\nChannel 0: Beautiful. Excellent. Thank you so much for that. That is essentially the the audio sign there. So if that way, he's happy to do so.\n\nWe just need him to sign and return those documents back. As I kinda mentioned, he is welcome to take some time to reach you that prior to signing. You're under no obligation to sign without, you know, without taking some time to think about. That's no problem at all. If he is comfortable to do so, we just get him to sign and return those documents back, and I will do the research around the advice piece for you guys.\n\nChannel 1: Yep. I'm\n\nChannel 0: The\n\nChannel 1: about\n\nChannel 0: last\n\nChannel 1: to go sign it.\n\nChannel 0: all good. Sorry. Sorry\n\nChannel 1: Yeah.\n\nChannel 0: about\n\nChannel 1: I\n\nChannel 0: that.\n\nChannel 1: understand. You you got it. Yeah. COVID.\n\nChannel 0: Excellent. I just wanted to run through a couple of additional details just to update the rest of the circumstances I have here. Now the main primary residence there, we had a value last time. We were able to catch up of around 800,000. How how much what sort of value would Vowie and his wife put on put on that property now?\n\nYep. Beautiful. Excellent. And then I also had a loan still owing on the property of around 550,000. Have they been able to reduce that loan a little bit?\n\nYep. Yep. What's the value of the loan at the moment?\n\nChannel 1: Well, it's got about 483,000\n\nChannel 0: Okay.\n\nChannel 1: left.\n\nChannel 0: Yep. Beautiful. And are they sort of hoping to have that fully paid off in the next few years for retirement, or is it a known fact they may go into retirement still having money owing on the loan? What was their goal around that property and the debt? Sorry.\n\nChannel 1: I'm I'm not sure. I think that's their goal just to probably pay it off as soon as possible, but who\n\nChannel 0: Try\n\nChannel 1: knows?\n\nChannel 0: to\n\nChannel 1: They\n\nChannel 0: pay\n\nChannel 1: could\n\nChannel 0: off.\n\nChannel 1: probably have it, still have it, be paying it off on their in their retirement. I'm not sure. But,\n\nChannel 0: That's\n\nChannel 1: yeah,\n\nChannel 0: okay.\n\nChannel 1: they wanna pay it off as soon as possible.\n\nChannel 0: As soon as possible. Beautiful. Are they making extra repayments onto that to try and reduce it as fast as possible? Yep.\n\nChannel 1: I love.\n\nChannel 0: Yep. Yep. On top. Beautiful. Fantastic.\n\nOther assets I had noted here was a car, and I do apologize. I believe it's a Toyota Hilux is what\n\nChannel 1: Yeah.\n\nChannel 0: I had noted here. Do they still have that vehicle?\n\nChannel 1: Yeah. Still got it. Yeah.\n\nChannel 0: Beautiful. And what kind of value would they put on that vehicle, do you think? Yep. Absolutely. Fantastic.\n\nChannel 1: Probably.\n\nChannel 0: And is the vehicle owned outright? There's no loans owing\n\nChannel 1: Yeah.\n\nChannel 0: on the highlights?\n\nChannel 1: No lines. I know right now.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Is that the only vehicle they have?\n\nChannel 1: No. I'm But it's yeah. It's that's yes. Sometimes, that's pretty much it. Yeah.\n\nChannel 0: Yes. That's okay. Not a problem at all. I also had contents. So I like to note contents down as an asset as well because we all have insurance to cover our contents if something was to happen to it.\n\nAnd if you think about your house, you tip it upside down, everything falls out. If something happened, you had to replace loads of items that could cost quite a lot of money. Do you know or do they have contents insurance on their property currently?\n\nChannel 1: Insurance. I can do that. Content insurance. Okay. In I'm pretty sure they do.\n\nYeah. I'm pretty sure they do.\n\nChannel 0: Yep. I think I had a value last time of around about 15,000. Would that be fairly accurate still, do you think?\n\nChannel 1: Yeah. I'd say so.\n\nChannel 0: Yes. Yep. Fantastic. And is there any other assets that we should note down?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No. That's okay. When we think about sleep and the advice, would Vowie prefer to focus on paying down the mortgage currently, or would he like me or be comfortable with me making a recommendation around adding additional funds into super to provide greater growth for his retirement? Is he\n\nChannel 1: Okay. So say it again?\n\nChannel 0: that's okay. Is he comfortable with me making a recommendation to basically increase contributions, maybe start salary sacrificing or adding more money into super to provide greater growth towards his retirement, or are they more sort of trying to pay the mortgage down? What's kind of more important?\n\nChannel 1: Thank you for that note there.\n\nChannel 0: Okay. So I'll just look at a way to kind of provide a boost to super invest it correctly and maybe consolidate it to see where that treks over the next couple of years. Is that accurate?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. Beautiful. So mortgage first. Beautiful. Excellent.\n\nI will make a note that we'll focus on additional contributions down the track there as well. That is something we are probably gonna have to look at to provide additional growth and help that super grow a little bit more as well. But I'll focus on just trying to consolidate things for now and see what I can do with the the income protection policy for you guys. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. Now a couple of bizarre ones I just have to update. Is Bowie technically a tax resident of any other country?\n\nChannel 1: You say what, sir?\n\nChannel 0: Is he a tax resident of any other country?\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Excellent. Lovely. And is he a smoker or nonsmoker?\n\nChannel 1: Hang on. Smuggling.\n\nChannel 0: Beautiful. And is there any kind of health issues or any changes to his health over the past twelve months there at all? No.\n\nChannel 1: Not no. Not really. No.\n\nChannel 0: No. Beautiful. Good to hear. And have your mom and dad got a will power of attorney in place? Have they sorta considered the estate planning side of things?\n\nChannel 1: No. I don't have a bill.\n\nChannel 0: No. That's okay. It is definitely something to consider and think about. It is definitely a conversation that is worth having with them around that.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously, you know, we help to make sure that your beneficiary nominations are in place to look after super. But, obviously, everything outside of that, your house, your cars, your, you know, your savings accounts, all your contents, things like that, family heirloom that might have been passed down through family members, making sure those sorts of things are incorporated into a will is really important. One of the things to sort of consider is that in today's day and age, about seventy percent of the population seem to pass away in test day, which essentially means that if they passed away without a will, they everything has to go through a probate process, which is a court process in order to be distributed out. So having up a will and a power of attorney in place is important to make sure that everything that they have worked hard for is directed to where they want us to go in the event of passing, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: So it might just be a conversation that yourself and Ruth are able to have with them. And I believe all up, they've got four kids. Is that correct?\n\nChannel 1: Yeah. There's four of us.\n\nChannel 0: Yep. Beautiful. Can I ask you to confirm with Bowie? His beneficiary nomination on his super means that if in the event that he was to pass away, essentially, he's got here that 25% is directed to, I believe, four children. Is that correct?\n\nIs that how he wanted that to be nominated? That's correct. Okay. Perfect. So if in the event that he was to pass away, he doesn't want his super benefit paid to his wife, he wants it paid out to you guys, to the four children.\n\nChannel 1: Yeah. He said, yeah, to his four children.\n\nChannel 0: That's beautiful. Beautiful. And I've got Ruth yourself Annie, and I'm so sorry if I say this last name wrong. Is it Sa?\n\nChannel 1: Sorry. Say again. Sorry. Say again? Sorry.\n\nWhat was that?\n\nChannel 0: Oh, I've got the four children notice. So yourself, Ruth, Annie, and I believe Sa is how I've got the last one spelled. Is that correct?\n\nChannel 1: No. It My mom.\n\nChannel 0: Oh, okay. Perfect. So he's got 25% to her and then 20\n\nChannel 1: Oh,\n\nChannel 0: five\n\nChannel 1: I\n\nChannel 0: percent\n\nChannel 1: thought it was\n\nChannel 0: to\n\nChannel 1: going\n\nChannel 0: each of\n\nChannel 1: through.\n\nChannel 0: the three children,\n\nChannel 1: To three.\n\nChannel 0: so Annie, yourself, and Ruth.\n\nChannel 1: Yeah.\n\nChannel 0: That sounds\n\nChannel 1: Yeah.\n\nChannel 0: right?\n\nChannel 1: May may maybe because the other one is a bit younger. She's still under 18. So\n\nChannel 0: Okay. Did he wanna have that nomination updated to reflect being paid out to all his kids and his wife, or is he happy with the nomination how it is\n\nChannel 1: He said he\n\nChannel 0: set\n\nChannel 1: would receive it as how it is\n\nChannel 0: up?\n\nChannel 1: for now.\n\nChannel 0: Okay. Beautiful. That's absolutely fine. If you guys ever wanna have that updated, please let me know. What I will do as part of the recap email is I can note down if he's comfortable with me noting that in the email.\n\nI can note down how the beneficiary is currently set out. That way, if he wants to have that updated, he can let you guys can let us know just so you have a bit of clarity. Sometimes when you see the email after the call and it kinda breaks everything down and you see it all, it can kind of bring up additional questions and or concerns. So if there's anything that comes out of that email, please let me know. But if you're comfortable with me noting down that beneficiary nomination as it stands just so you all can review it and make sure that's comfortable, is that okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: I'll review\n\nChannel 0: Fantastic.\n\nChannel 1: it and I'll talk about it.\n\nChannel 0: Fantastic. Yeah. Absolutely. Fantastic. Okay.\n\nThe last thing I just wanted to run through is a risk profile questionnaire. I believe we did one of these with you guys last year. So I'll go through each of the questions. If you can just relay that to him and help him decide which answer is appropriate for him at the moment, it helps us to decide how how your super should be invested, essentially. The first one here I'm looking at is, essentially, how much risk is he comfortable taking?\n\nIs he comfortable taking a lot a a higher amount of risk to get greater potential returns? Is he comfortable taking a moderate or medium amount of risk to get the best returns possible? Or is he comfortable not taking much risk in the market knowing the returns are lower than are gonna be lower because of that?\n\nChannel 1: He said was it medium?\n\nChannel 0: Medium? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Yep. Beautiful. How do you think you might feel if you saw your super fall by 20% over the next one to two years? So this realistically can happen because markets do go up.\n\nThey do go down, and it's about making sure you're invested in a profile that you're not gonna be accessing that money or selling out of the investments in a downtime. We want you to wade through it and allow your portfolio to come back and recover. If you saw your super fall by 20% over the next one to two years, how do you think you might be feeling? Are you up to one to two years, how do you think you might be feeling? Are you optimistic, feeling like it's an investment opportunity?\n\nYou might put some more money in and take advantage of that downtime. Are you maybe gonna hold and wait? Maybe call me and have a chat to me about it and see what we suggest to do, or are you a little bit nervous and maybe wanting to sell that investment to cash? How do you think you might feel?\n\nChannel 1: You said you'll probably get that advice, maybe call you guys up.\n\nChannel 0: Maybe give me a call. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. That's a good answer. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: The next one here is essentially asking, has he ever seen his super fall in value? I know seeing the ups and downs can make us a little bit nervous, but have you ever seen your super fall in value before, and how did that make you feel in the past? Were you feeling happy and optimistic about the investment opportunity? Are you feeling cautious, concerned, or a bit anxious?\n\nChannel 1: He's I don't think he's Oh, is it like if he's seen it if he's ever had it\n\nChannel 0: Yeah.\n\nChannel 1: falling or\n\nChannel 0: Yeah. Yeah. If he's looked at it one day and the the value of the investment or the value of the super had dropped below hit the last time he looked at it.\n\nChannel 1: I think I think he was still wait. What's the word? No. I didn't really, like, I didn't really bother too much, but, you know, still a bit of, like, bother. But,\n\nChannel 0: Yep.\n\nChannel 1: like, didn't take it to heart that bad.\n\nChannel 0: Yep. Okay. Beautiful. Fantastic. So I'd probably stay a bit cautious.\n\nObviously, you're not\n\nChannel 1: Yeah.\n\nChannel 0: feeling optimistic. You're not happy about it, but it's it's on the back of your mind. You know that you're not gonna sell. You know you're not retiring, but it can still have a little bit of effect and gone, oh, it did go down. Does that sound right?\n\nAm I on the right track?\n\nChannel 1: Yeah. That's yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: probably yeah. That's it.\n\nChannel 0: Beautiful. Excellent. And the last one here, it's basically asking, has he ever thought about taking out a loan in order to invest in shares or manage funds, or would you only borrow for safe property? I've already kinda ticked the box noting that you have only really ever borrowed for your main primary residence. Is that correct, or would you change that answer?\n\nHas you ever thought about borrowing to invest in any way?\n\nChannel 1: No. No. I don't no. He's\n\nChannel 0: No. That's okay.\n\nChannel 1: yeah.\n\nChannel 0: Beautiful. Thank you so much for answering those questions there. Essentially, with the way you have scored, Bauer, you've scored as a growth investor, and that essentially means that we would see 80% of your super invested in growth investments. So think about Australian shares, international shares, precious metals like gold and silver, and then some property in there as well. The other 20% would be in low risk defensive investments like cash funds and fixed interest.\n\nEssentially, this sort of investment suits your time horizon if you're not gonna access your super in six years. So because, realistically, you're not gonna access super for at least seven years at this point, maybe longer depending on, you know, the advice and how long it takes to kind of build up to where you want it to be. Do you feel comfortable staying in this kind of environment, or does he wanna maybe reduce the risk level a little bit?\n\nChannel 1: Okay. That'd be the case for the same.\n\nChannel 0: Keep it the same? Yeah. Realistically,\n\nChannel 1: Yeah.\n\nChannel 0: for his time horizon's a good spot to stay in. The other thing to sort of think about is with having a lower balance, we wanna kinda get more growth and make it work a bit harder. So I'll find ways to do that. Especially if we're not able to put more contributions in at the moment, then we sort of need to take on a little bit more risk there. But I'll make a point of every year when we do this annual review that we reassess this questionnaire because there will come a point where he's a little bit more nervous about the ups and downs the market does take or wants to reduce the risk level back.\n\nThere might even come a point where I suggest that we should probably start reducing that risk level back, and I'll kind of point that out at that time because I don't want him to be taking more risk than he needs to. Does that all make sense? Do you have questions about any of\n\nChannel 1: No. It's it's all good.\n\nChannel 0: that? That's\n\nChannel 1: No questions.\n\nChannel 0: all good pass.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Oh.\n\nChannel 0: That is basically everything I needed for the annual review. So if you guys are very comfortable, I will go back and do a bit of a recap email. I'll go through what we've gone through and discussed,\n\nChannel 1: Yeah.\n\nChannel 0: what advice I'm looking to provide, the areas, and just kind of a recap email. I'll have the beneficiary details in there for you to also look at and discuss. And I'll email it to Bowie, but also to yourself and to Ruth. That way, everyone gets a copy of it as his authority's on file. And if any of you have any questions, please come back and let me know.\n\nI'll also add in there for you the financial services guide so you have a copy of that to kind of run your eyes through to look at what we are as advisers, the services we provide, and how we work in his best interest. And if you have any questions, please let me know. I'm more than happy to sorta help you, and I'll get stuck into doing the research. It just takes a couple of weeks to do the research. My team will contact you, book you all back in so we can kinda go through it together.\n\nWe can do it by phone or by Teams or however is preferable for you all to go through things. Does that sound okay? Has any questions come up from any of that?\n\nChannel 1: No. All good. Yeah. Appreciate\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: okay. No problem at all. Look. Thank you so much for your time. I really appreciate that.\n\nI just to kind of recap on the goal side of things, I'm gonna work towards the age of 60, 65, and 67 for the super side of things. I'll\n\nChannel 1: Yes.\n\nChannel 0: retain the life and TPD as it is, look at what I can do with the income protection to try and consolidate things for him. And is there any other goals or anything else that he might want to sort of note down for the future aside from paying down the mortgage?\n\nChannel 1: Not much. Probably just be able to, you know, be in good health and better work still. It's pretty much at the\n\nChannel 0: Yeah.\n\nChannel 1: moment. Yeah.\n\nChannel 0: Absolutely. Perfect. Perfect. Excellent. Thank you so much for that today.\n\nI really appreciate all of your time. I hope you all have a beautiful day, and the sun stays out for you. I hope you have a good day, Bowie. Thank thank you so much for your time. I hope you all have a wonderful day, and I'll talk to you very soon.\n\nIn the meantime, I will get stuck into all this research, and we'll update the advice and go through it together. Okay?\n\nChannel 1: Alright. Awesome. Thank you very much. You have a lovely\n\nChannel 0: My pleasure. You too. Thank you so much,\n\nChannel 1: Thank\n\nChannel 0: and\n\nChannel 1: you,\n\nChannel 0: talk to you\n\nChannel 1: Emory.\n\nChannel 0: soon. See you\n\nChannel 1: Stay\n\nChannel 0: later.\n\nChannel 1: up.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.030202064663171768},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":1.04,"end":5.38,"sentiment":"neutral","sentiment_score":0.01787916844477877}],"sentiment":"neutral","sentiment_score":0.018604044692919534,"channel":1,"num_words":17,"start":0.48,"end":5.38},{"sentences":[{"text":"Dana, Okie Financial.","start":7.44,"end":8.82,"sentiment":"neutral","sentiment_score":0.025177720313270886},{"text":"I would say, like","start":9.36,"end":10.16,"sentiment":"neutral","sentiment_score":0.020322967553511262}],"sentiment":"neutral","sentiment_score":0.02240357587912253,"channel":0,"num_words":7,"start":7.44,"end":10.16},{"sentences":[{"text":"Hi.","start":12.639999,"end":12.799999,"sentiment":"neutral","sentiment_score":0.026130452752113342},{"text":"It's speaking.","start":12.799999,"end":13.54,"sentiment":"neutral","sentiment_score":0.025027211755514145}],"sentiment":"neutral","sentiment_score":0.025394958754380543,"channel":1,"num_words":3,"start":12.639999,"end":13.54},{"sentences":[{"text":"Hi, miss Zach.","start":14.514999,"end":15.235,"sentiment":"neutral","sentiment_score":0.08870356778303783},{"text":"It's Dana from Okie Financial.","start":15.235,"end":16.775,"sentiment":"neutral","sentiment_score":0.09695990085601806},{"text":"How are you this morning?","start":16.914999,"end":18.135,"sentiment":"neutral","sentiment_score":0.15627089142799377}],"sentiment":"neutral","sentiment_score":0.11786651267455174,"channel":0,"num_words":13,"start":14.514999,"end":18.135},{"sentences":[{"text":"Well, thank you.","start":18.185,"end":18.825,"sentiment":"positive","sentiment_score":0.3633209764957428},{"text":"Yourself?","start":18.825,"end":19.325,"sentiment":"neutral","sentiment_score":0.23591887950897217}],"sentiment":"neutral","sentiment_score":0.33147045224905014,"channel":1,"num_words":4,"start":18.185,"end":19.325},{"sentences":[{"text":"I'm very well.","start":19.715,"end":20.595,"sentiment":"positive","sentiment_score":0.4908229509989421},{"text":"Thank you.","start":20.595,"end":20.994999,"sentiment":"positive","sentiment_score":0.6215600073337555},{"text":"Thanks for asking.","start":20.994999,"end":21.875,"sentiment":"positive","sentiment_score":0.5997710029284159},{"text":"I had yourself booked in with Bowie to go through his annual review today.","start":21.875,"end":25.954998,"sentiment":"neutral","sentiment_score":0.2574408543961389},{"text":"Is now still a good time there for you both?","start":25.954998,"end":28.134998,"sentiment":"neutral","sentiment_score":0.23975023925304412}],"sentiment":"neutral","sentiment_score":0.3286430072039366,"channel":0,"num_words":32,"start":19.715,"end":28.134998},{"sentences":[{"text":"Yeah.","start":28.65,"end":28.970001,"sentiment":"neutral","sentiment_score":0.059554748237133026},{"text":"Of course.","start":28.970001,"end":29.37,"sentiment":"neutral","sentiment_score":0.07024349272251129},{"text":"Yeah.","start":29.37,"end":29.87,"sentiment":"neutral","sentiment_score":0.16525523364543915}],"sentiment":"neutral","sentiment_score":0.09132424183189869,"channel":1,"num_words":4,"start":28.65,"end":29.87},{"sentences":[{"text":"Fantastic.","start":30.529999,"end":31.029999,"sentiment":"positive","sentiment_score":0.4236477017402649},{"text":"If it's okay, I do need to do security with you both first up.","start":31.81,"end":35.329998,"sentiment":"neutral","sentiment_score":0.1185894813388586},{"text":"But am I on speakerphone?","start":35.329998,"end":36.949997,"sentiment":"neutral","sentiment_score":0.009156375285238027},{"text":"Is Bawi there?","start":37.01,"end":37.73,"sentiment":"neutral","sentiment_score":-0.013347940053790808},{"text":"Can he hear me okay?","start":37.73,"end":38.87,"sentiment":"neutral","sentiment_score":-0.005654510110616684}],"sentiment":"neutral","sentiment_score":0.07362021236414355,"channel":0,"num_words":28,"start":30.529999,"end":38.87},{"sentences":[{"text":"Yeah.","start":40.09,"end":40.59,"sentiment":"neutral","sentiment_score":0.042250897735357285}],"sentiment":"neutral","sentiment_score":0.042250897735357285,"channel":1,"num_words":1,"start":40.09,"end":40.59},{"sentences":[{"text":"Yep.","start":41.649998,"end":42.05,"sentiment":"neutral","sentiment_score":0.07561469078063965},{"text":"Beautiful.","start":42.05,"end":42.55,"sentiment":"neutral","sentiment_score":0.27850914001464844},{"text":"Hi, Bawi.","start":42.61,"end":43.25,"sentiment":"neutral","sentiment_score":0.19139612466096878},{"text":"How are you this morning?","start":43.25,"end":44.55,"sentiment":"neutral","sentiment_score":0.23029886186122894}],"sentiment":"neutral","sentiment_score":0.2098233766025967,"channel":0,"num_words":9,"start":41.649998,"end":44.55},{"sentences":[{"text":"Good.","start":45.085003,"end":45.325,"sentiment":"neutral","sentiment_score":0.29514366388320923},{"text":"How are you?","start":45.325,"end":46.145,"sentiment":"neutral","sentiment_score":0.19682391484578451}],"sentiment":"neutral","sentiment_score":0.22140385210514069,"channel":1,"num_words":4,"start":45.085003,"end":46.145},{"sentences":[{"text":"I'm very well.","start":46.535,"end":47.575,"sentiment":"positive","sentiment_score":0.4086279769738515},{"text":"Thank you.","start":47.575,"end":47.975002,"sentiment":"positive","sentiment_score":0.6004067659378052},{"text":"I hope it's lovely where you're both located today.","start":47.975002,"end":50.795002,"sentiment":"positive","sentiment_score":0.5113115509351095}],"sentiment":"positive","sentiment_score":0.5020358158009393,"channel":0,"num_words":14,"start":46.535,"end":50.795002},{"sentences":[{"text":"Yeah.","start":51.725002,"end":51.965,"sentiment":"positive","sentiment_score":0.3585491180419922},{"text":"It's very good.","start":51.965,"end":52.765,"sentiment":"positive","sentiment_score":0.49526065587997437},{"text":"Pretty good day.","start":52.765,"end":53.745003,"sentiment":"positive","sentiment_score":0.5603229800860087}],"sentiment":"positive","sentiment_score":0.5036142894199916,"channel":1,"num_words":7,"start":51.725002,"end":53.745003},{"sentences":[{"text":"Excellent.","start":53.335,"end":53.835,"sentiment":"positive","sentiment_score":0.5007096529006958},{"text":"Excellent.","start":55.015,"end":55.515,"sentiment":"positive","sentiment_score":0.403420090675354},{"text":"Before I jump into the call, I do have to let you know we both, sorry, we do record our calls for quality and training purposes.","start":56.135002,"end":62.34,"sentiment":"neutral","sentiment_score":0.05205452936486556},{"text":"Are you happy for me to proceed with that?","start":62.399998,"end":64.58,"sentiment":"neutral","sentiment_score":0.1035312596294615}],"sentiment":"neutral","sentiment_score":0.08619807685750562,"channel":0,"num_words":37,"start":53.335,"end":64.58},{"sentences":[{"text":"Yeah.","start":64.99,"end":65.23,"sentiment":"neutral","sentiment_score":0.08709292113780975},{"text":"That's fine.","start":65.23,"end":66.05,"sentiment":"neutral","sentiment_score":0.178561732172966}],"sentiment":"neutral","sentiment_score":0.1480721284945806,"channel":1,"num_words":3,"start":64.99,"end":66.05},{"sentences":[{"text":"Fantastic.","start":66.56,"end":67.06,"sentiment":"positive","sentiment_score":0.4625611901283264},{"text":"And just to do a quick security check there for you as well, I just need to do a security check on both of you.","start":67.2,"end":72.58,"sentiment":"neutral","sentiment_score":0.15266362309455872},{"text":"If you can please, Masik, just let me know your full name, your date of birth, and address I should have on file for Bawi.","start":72.905,"end":78.445,"sentiment":"neutral","sentiment_score":0.0884138123691082}],"sentiment":"neutral","sentiment_score":0.12724504071999998,"channel":0,"num_words":51,"start":66.56,"end":78.445},{"sentences":[{"text":"Boy, we come home soon.","start":81.675,"end":83.615005,"sentiment":"neutral","sentiment_score":0.04857045039534569},{"text":"But day is eighteen nine nineteen seventy three.","start":85.21001,"end":89.310005,"sentiment":"neutral","sentiment_score":0.03198257810436189},{"text":"56 Lotus Land Of Sabah, New South Wales.","start":90.89,"end":94.83,"sentiment":"neutral","sentiment_score":0.02367572672665119}],"sentiment":"neutral","sentiment_score":0.032767556696420626,"channel":1,"num_words":21,"start":81.675,"end":94.83},{"sentences":[{"text":"Beautiful.","start":95.4,"end":95.9,"sentiment":"neutral","sentiment_score":0.3124988079071045},{"text":"Thank you so much for that.","start":95.96,"end":97.425,"sentiment":"positive","sentiment_score":0.4289669344822566},{"text":"And, Massey, can I just confirm your","start":97.90501,"end":100.245,"sentiment":"neutral","sentiment_score":0.11936555377074651}],"sentiment":"neutral","sentiment_score":0.2658470922282764,"channel":0,"num_words":14,"start":95.4,"end":100.245},{"sentences":[{"text":"Yes.","start":100.455,"end":100.955,"sentiment":"neutral","sentiment_score":0.08329993486404419}],"sentiment":"neutral","sentiment_score":0.08329993486404419,"channel":1,"num_words":1,"start":100.455,"end":100.955},{"sentences":[{"text":"your full name as well?","start":100.785,"end":102.40501,"sentiment":"neutral","sentiment_score":0.07001618817448615}],"sentiment":"neutral","sentiment_score":0.07001618817448615,"channel":0,"num_words":5,"start":100.785,"end":102.40501},{"sentences":[{"text":"Yep.","start":103.495,"end":103.995,"sentiment":"neutral","sentiment_score":0.04279959946870804},{"text":"Give us a call.","start":104.135,"end":105.275,"sentiment":"neutral","sentiment_score":0.04208984039723873},{"text":"Oh.","start":105.575005,"end":105.655,"sentiment":"neutral","sentiment_score":0.05304218456149101},{"text":"It's me that phone time.","start":105.655,"end":106.955,"sentiment":"neutral","sentiment_score":0.0596190482378006}],"sentiment":"neutral","sentiment_score":0.05111785334619609,"channel":1,"num_words":11,"start":103.495,"end":106.955},{"sentences":[{"text":"Beautiful.","start":107.665,"end":108.165,"sentiment":"positive","sentiment_score":0.4013359844684601},{"text":"Thank you so much for that.","start":108.385,"end":109.745,"sentiment":"positive","sentiment_score":0.5324481676022211},{"text":"Excellent.","start":109.745,"end":110.245,"sentiment":"positive","sentiment_score":0.41079843044281006},{"text":"So, essentially, I just wanted to kind of touch base and sort of go through the annual review with you.","start":110.83,"end":116.13,"sentiment":"neutral","sentiment_score":0.24468100145459176},{"text":"Obviously, we do have an an external third party authority on file for yourself, Maxx, so you can sort of help Bowery along to make sure that he understands everything that we are saying and doing.","start":116.19,"end":126.405,"sentiment":"neutral","sentiment_score":0.13824184011254045}],"sentiment":"neutral","sentiment_score":0.21683046396356076,"channel":0,"num_words":64,"start":107.665,"end":126.405},{"sentences":[{"text":"It","start":127.265,"end":127.425,"sentiment":"neutral","sentiment_score":0.0891759991645813}],"sentiment":"neutral","sentiment_score":0.0891759991645813,"channel":0,"num_words":1,"start":127.265,"end":127.425},{"sentences":[{"text":"Yes.","start":127.33,"end":127.83,"sentiment":"neutral","sentiment_score":0.01958555355668068}],"sentiment":"neutral","sentiment_score":0.01958555355668068,"channel":1,"num_words":1,"start":127.33,"end":127.83},{"sentences":[{"text":"is really important that with the annual review that Bowery is the one that is able to answer the questions.","start":127.425,"end":131.985,"sentiment":"neutral","sentiment_score":0.29811023324728014},{"text":"So whether he lets you know what he wants to how he wants to answer and you refer 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whole.","start":389.935,"end":394.97,"sentiment":"neutral","sentiment_score":-0.0704111627796117},{"text":"But","start":395.59,"end":395.83002,"sentiment":"neutral","sentiment_score":-0.019925624132156372}],"sentiment":"neutral","sentiment_score":-0.03889732534179882,"channel":0,"num_words":49,"start":378.575,"end":395.83002},{"sentences":[{"text":"Mhmm.","start":395.635,"end":396.135,"sentiment":"neutral","sentiment_score":0.007619976997375488}],"sentiment":"neutral","sentiment_score":0.007619976997375488,"channel":1,"num_words":1,"start":395.635,"end":396.135},{"sentences":[{"text":"I would like to maybe look at what we can do moving forward because one of the things I sort of wanted to look at was, obviously, Bowie wanting to retire and boosting super for that.","start":395.83002,"end":405.03,"sentiment":"neutral","sentiment_score":0.24034693547421032},{"text":"Because, realistically, based on the current balance that he does have, we're not gonna kind of have as much of a good 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looked at, we had moved majority of the funds into Netwealth to provide greater growth and to have it invested so it was able to work harder for you.","start":419.185,"end":430.08,"sentiment":"neutral","sentiment_score":0.23472482783765328},{"text":"The idea of retaining back the ethical super was just to keep the income protection side of things in place.","start":430.62,"end":436.22,"sentiment":"neutral","sentiment_score":0.14867024682462215},{"text":"We weren't able to get new income protection for him back when we originally looked at it, so we do have or have had to retain those two super funds there.","start":436.22,"end":444.255,"sentiment":"neutral","sentiment_score":0.0031997264332828982},{"text":"So the income protection is paid for out of the ethical super, and then we've we're holding the two funds 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that way because the we've we've got an opt in in place.","start":474.465,"end":481.105,"sentiment":"neutral","sentiment_score":0.0223528395096461},{"text":"So we have opted into the insurances, which means if no contributions go into ethical super, we have into the insurances, which means if no contributions go into ethical super, they will still keep the income protection in place as long as there is enough money to pay for the premiums there.","start":481.105,"end":492.98,"sentiment":"neutral","sentiment_score":0.04536245175852226}],"sentiment":"neutral","sentiment_score":-0.036233551696047084,"channel":0,"num_words":143,"start":451.27502,"end":492.98},{"sentences":[{"text":"But I think what I'd like to do today with you both is really talk about the level of insurances that you have that you need, and really look at what what we can do moving forward.","start":493.44,"end":503.295,"sentiment":"neutral","sentiment_score":0.1847504045109491},{"text":"Because, realistically, for your agent's age, your balance is a lot lower than where I realistically like it to be.","start":503.295,"end":508.89,"sentiment":"negative","sentiment_score":-0.3929326646029949},{"text":"And moving forward, in order to make super work as hard as possible and to give you the best possible retirement, we need to kind of get more money into super and be able to make it work a bit harder for you.","start":509.05002,"end":520.17004,"sentiment":"negative","sentiment_score":-0.3409850517677706},{"text":"Does that make sense?","start":520.17004,"end":520.97003,"sentiment":"neutral","sentiment_score":-0.03681266587227583},{"text":"And do you have questions so 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long term, we're not really able to alter the advice in any way, shape, or form.","start":1173.455,"end":1178.355,"sentiment":"neutral","sentiment_score":0.04465483520179987},{"text":"It would","start":1178.735,"end":1179.135,"sentiment":"neutral","sentiment_score":0.12047018110752106}],"sentiment":"neutral","sentiment_score":0.11537967007607222,"channel":0,"num_words":80,"start":1156.155,"end":1179.135},{"sentences":[{"text":"Yep.","start":1179.0951,"end":1179.5951,"sentiment":"neutral","sentiment_score":0.1261533796787262}],"sentiment":"neutral","sentiment_score":0.1261533796787262,"channel":1,"num_words":1,"start":1179.0951,"end":1179.5951},{"sentences":[{"text":"just be a one off kind of advice piece to sort of cement moving back into ethical super and what to do moving forward.","start":1179.135,"end":1185.395,"sentiment":"neutral","sentiment_score":0.18232317517201105},{"text":"The other option I could look at, depending on the changes to his circumstances, is I could look at a way to move him from ethical into Netwealth and see if I can consolidate things that way if he is open to doing it.","start":1186.2201,"end":1199.6,"sentiment":"neutral","sentiment_score":0.17031185769222},{"text":"I don't want this to be solely around staying as a client and being on fees.","start":1199.705,"end":1203.545,"sentiment":"neutral","sentiment_score":-0.207039930857718},{"text":"It's gotta be what's right for for him and for you guys as well.","start":1203.545,"end":1207.325,"sentiment":"neutral","sentiment_score":0.17185835167765617},{"text":"But if there was a way that I could consolidate into Netwealth, would he be open to doing that, or would he rather go back to ethical?","start":1208.105,"end":1221.4775,"sentiment":"neutral","sentiment_score":-0.026479985124077992}],"sentiment":"neutral","sentiment_score":0.0819831709919963,"channel":0,"num_words":125,"start":1179.135,"end":1221.4775},{"sentences":[{"text":"I I think we'll just he just changed his mind 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some eligibility questions that I can ask if you're comfortable with me doing that to be able to confirm whether we could maybe look at transferring his income protection policy over to Netwealth.","start":1289.98,"end":1303.2799,"sentiment":"neutral","sentiment_score":0.0636080203249174},{"text":"Is he okay if I was to go through those now with you to ask those questions to see if there's eligibility to consolidate that 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answer.","start":1338.305,"end":1342.4851,"sentiment":"neutral","sentiment_score":0.1433500461280346}],"sentiment":"neutral","sentiment_score":0.18548719155969043,"channel":0,"num_words":33,"start":1333.665,"end":1342.4851},{"sentences":[{"text":"Yeah.","start":1343.145,"end":1343.645,"sentiment":"neutral","sentiment_score":0.002262386493384838}],"sentiment":"neutral","sentiment_score":0.002262386493384838,"channel":1,"num_words":1,"start":1343.145,"end":1343.645},{"sentences":[{"text":"But is he currently off work or not able to perform his normal full time occupation or duties on a full time basis?","start":1343.265,"end":1350.84,"sentiment":"neutral","sentiment_score":-0.07632648264584334},{"text":"So is he not able to is he currently off work or not able to perform his normal full time occupational 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many","start":1367.895,"end":1368.4551,"sentiment":"neutral","sentiment_score":-0.0341210812330246}],"sentiment":"neutral","sentiment_score":-0.0341210812330246,"channel":0,"num_words":2,"start":1367.895,"end":1368.4551},{"sentences":[{"text":"he pretty much works full time hours pretty much.","start":1368.2151,"end":1371.1151,"sentiment":"neutral","sentiment_score":-0.038169612694117755}],"sentiment":"neutral","sentiment_score":-0.038169612694117755,"channel":1,"num_words":9,"start":1368.2151,"end":1371.1151},{"sentences":[{"text":"okay.","start":1371.175,"end":1371.675,"sentiment":"neutral","sentiment_score":0.024807928130030632},{"text":"How many okay.","start":1371.735,"end":1372.615,"sentiment":"neutral","sentiment_score":0.02289847657084465},{"text":"So full time hours.","start":1372.615,"end":1373.5751,"sentiment":"neutral","sentiment_score":0.04729634942486882},{"text":"So we're still working roughly, say, thirty to thirty eight hours per week.","start":1373.5751,"end":1377.0951,"sentiment":"neutral","sentiment_score":0.05956665311868374},{"text":"Is that right?","start":1377.0951,"end":1377.87,"sentiment":"neutral","sentiment_score":0.08081400394439697}],"sentiment":"neutral","sentiment_score":0.05414571907992164,"channel":0,"num_words":24,"start":1371.175,"end":1377.87},{"sentences":[{"text":"Okay.","start":1397.405,"end":1397.805,"sentiment":"neutral","sentiment_score":0.09447762370109558},{"text":"And that's fairly consistent every week?","start":1397.805,"end":1400.305,"sentiment":"neutral","sentiment_score":0.10772280022501945}],"sentiment":"neutral","sentiment_score":0.10583063215017319,"channel":0,"num_words":7,"start":1397.405,"end":1400.305},{"sentences":[{"text":"Yeah.","start":1405.74,"end":1405.98,"sentiment":"neutral","sentiment_score":-0.012407058849930763},{"text":"Like, since, yeah, since it started, it's been pretty much 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months.","start":1422.195,"end":1433.15,"sentiment":"neutral","sentiment_score":-0.11622660670961653}],"sentiment":"neutral","sentiment_score":-0.06195543014577457,"channel":0,"num_words":63,"start":1410.3,"end":1433.15},{"sentences":[{"text":"No.","start":1435.44,"end":1435.76,"sentiment":"neutral","sentiment_score":-0.1471365988254547},{"text":"It's it's it's always been working.","start":1435.76,"end":1437.78,"sentiment":"neutral","sentiment_score":-0.10618440061807632}],"sentiment":"neutral","sentiment_score":-0.1120347146477018,"channel":1,"num_words":7,"start":1435.44,"end":1437.78},{"sentences":[{"text":"Yep.","start":1438.25,"end":1438.73,"sentiment":"neutral","sentiment_score":0.04706448316574097},{"text":"Beautiful.","start":1438.73,"end":1439.23,"sentiment":"neutral","sentiment_score":0.19219177961349487},{"text":"The next one here is, has he ever been diagnosed, or does he suffer from an illness that may cause inability to do his normal full time 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ever refused?","start":1457.7101,"end":1466.77,"sentiment":"neutral","sentiment_score":-0.007212770425460555},{"text":"So has he ever had insurance application declined to his 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policies?","start":1479.685,"end":1490.0399,"sentiment":"neutral","sentiment_score":-0.02720302442709605}],"sentiment":"neutral","sentiment_score":-0.022399327368475497,"channel":0,"num_words":32,"start":1478.405,"end":1490.0399},{"sentences":[{"text":"I I don't think he I don't think he even knows himself.","start":1492.3,"end":1494.62,"sentiment":"neutral","sentiment_score":-0.2529121513168017},{"text":"He probably is, but he he's not doing any claims or anything at that moment.","start":1494.62,"end":1498.54,"sentiment":"neutral","sentiment_score":-0.2988323042790095},{"text":"Mhmm.","start":1498.54,"end":1499.025,"sentiment":"neutral","sentiment_score":-0.0345466174185276}],"sentiment":"neutral","sentiment_score":-0.2697134641930461,"channel":1,"num_words":28,"start":1492.3,"end":1499.025},{"sentences":[{"text":"Nope.","start":1499.0599,"end":1499.2999,"sentiment":"neutral","sentiment_score":-0.0538642518222332},{"text":"That's okay.","start":1499.2999,"end":1500.375,"sentiment":"neutral","sentiment_score":0.008672298165038228},{"text":"Excellent.","start":1500.375,"end":1500.875,"sentiment":"neutral","sentiment_score":0.1361275613307953},{"text":"And the last one here is, has he ever had an application for death, TPD, terminal illness, or income protection ever offered on nonstandard terms?","start":1501.255,"end":1510.475,"sentiment":"neutral","sentiment_score":-0.056451267115771774}],"sentiment":"neutral","sentiment_score":-0.04523013007088468,"channel":0,"num_words":29,"start":1499.0599,"end":1510.475},{"sentences":[{"text":"I don't think he has.","start":1513.4401,"end":1514.5801,"sentiment":"neutral","sentiment_score":-0.1470804512500763}],"sentiment":"neutral","sentiment_score":-0.1470804512500763,"channel":1,"num_words":5,"start":1513.4401,"end":1514.5801},{"sentences":[{"text":"Nope.","start":1515.095,"end":1515.51,"sentiment":"neutral","sentiment_score":-0.09581153094768524},{"text":"That's okay.","start":1515.59,"end":1516.41,"sentiment":"neutral","sentiment_score":-0.039069315418601036},{"text":"Look.","start":1516.71,"end":1517.11,"sentiment":"neutral","sentiment_score":-0.013217976316809654},{"text":"There there is based on this questionnaire, it looks like he may be eligible to have the policy transferred into Netwealth, which means that if he wants to remain as a client of ours, and this is completely up to you guys.","start":1517.11,"end":1533.085,"sentiment":"neutral","sentiment_score":0.016089894254470154},{"text":"You it's a conversation that you may need to have as a family to work out what is important to you.","start":1533.085,"end":1537.985,"sentiment":"neutral","sentiment_score":0.08034804019899595}],"sentiment":"neutral","sentiment_score":0.03247636216067111,"channel":0,"num_words":67,"start":1515.095,"end":1537.985},{"sentences":[{"text":"Yes.","start":1537.62,"end":1538.12,"sentiment":"neutral","sentiment_score":0.16424009203910828}],"sentiment":"neutral","sentiment_score":0.16424009203910828,"channel":1,"num_words":1,"start":1537.62,"end":1538.12},{"sentences":[{"text":"I would love to keep you both keep you here and help work towards his retirement goals and boost","start":1538.5249,"end":1543.64,"sentiment":"neutral","sentiment_score":0.31571642505495173}],"sentiment":"neutral","sentiment_score":0.31571642505495173,"channel":0,"num_words":19,"start":1538.5249,"end":1543.64},{"sentences":[{"text":"Yes.","start":1543.46,"end":1543.96,"sentiment":"neutral","sentiment_score":0.22005338966846463}],"sentiment":"neutral","sentiment_score":0.22005338966846463,"channel":1,"num_words":1,"start":1543.46,"end":1543.96},{"sentences":[{"text":"super as much as possible, but it's gotta be right for him as well.","start":1543.64,"end":1547.0,"sentiment":"neutral","sentiment_score":0.17678824067115784},{"text":"So","start":1547.0,"end":1547.5,"sentiment":"neutral","sentiment_score":0.13026154041290283}],"sentiment":"neutral","sentiment_score":0.17368646065394083,"channel":0,"num_words":15,"start":1543.64,"end":1547.5},{"sentences":[{"text":"Yes.","start":1547.54,"end":1548.04,"sentiment":"neutral","sentiment_score":0.2199772149324417}],"sentiment":"neutral","sentiment_score":0.2199772149324417,"channel":1,"num_words":1,"start":1547.54,"end":1548.04},{"sentences":[{"text":"if there is a way to do that, I could look at how we could maybe transfer that policy from the Ethical Super Internet wealth and consolidate things that way.","start":1547.88,"end":1557.08,"sentiment":"neutral","sentiment_score":0.2639860431353251},{"text":"That means that we can still look after everything.","start":1557.08,"end":1559.635,"sentiment":"neutral","sentiment_score":0.3247838318347931},{"text":"We can still monitor the investments.","start":1559.695,"end":1561.7949,"sentiment":"neutral","sentiment_score":0.313749556740125},{"text":"And one of the biggest things between Netwealth and Ethical Super is that Netwealth has a lot more investment options, and that's why we, as advisers, like these sorts of super funds, we can alter the investments within.","start":1561.9349,"end":1574.73,"sentiment":"neutral","sentiment_score":0.18323049596265742},{"text":"We can buy and sell and change portfolios because we have a wider range of investment options to choose from.","start":1574.9501,"end":1580.9701,"sentiment":"neutral","sentiment_score":0.17856722176074982}],"sentiment":"neutral","sentiment_score":0.22581782915349147,"channel":0,"num_words":103,"start":1547.88,"end":1580.9701},{"sentences":[{"text":"Whereas within the industry funds like Ethical Super and Christian Super, you only have a very limited scope of what you're able to invest in.","start":1581.11,"end":1588.9149,"sentiment":"neutral","sentiment_score":-0.030289636701345445},{"text":"So there is that kind of aspect, but it's also gotta be what's comfortable.","start":1589.775,"end":1593.955,"sentiment":"neutral","sentiment_score":0.013093156656915588},{"text":"Would he like me to do the research around that and maybe update the advice documents update the advice to reflect these changes so then you can take the advice back and look at things as a whole and decide whether you would like to stay on board or whether you wanna go to ethical super.","start":1594.095,"end":1611.425,"sentiment":"neutral","sentiment_score":0.16396990298692668},{"text":"Is that an option that I might be able to undertake for you all?","start":1611.425,"end":1614.5651,"sentiment":"neutral","sentiment_score":0.18909401180488722}],"sentiment":"neutral","sentiment_score":0.10326324778164678,"channel":0,"num_words":109,"start":1581.11,"end":1614.5651},{"sentences":[{"text":"Yeah.","start":1624.23,"end":1624.55,"sentiment":"neutral","sentiment_score":0.09759876877069472},{"text":"He said, yes, please.","start":1624.55,"end":1625.93,"sentiment":"neutral","sentiment_score":0.0956894364207983}],"sentiment":"neutral","sentiment_score":0.09607130289077759,"channel":1,"num_words":5,"start":1624.23,"end":1625.93},{"sentences":[{"text":"Yep.","start":1626.42,"end":1626.66,"sentiment":"neutral","sentiment_score":0.1621587872505188},{"text":"You and, look, there's no obligation whatsoever.","start":1626.66,"end":1628.92,"sentiment":"neutral","sentiment_score":0.07412440063697952},{"text":"So if I go into the advice document and we come back in a few weeks and we go through it together and we decide that he's not comfortable proceeding, doesn't wish to go forward with this recommendation, he is under no obligation to do so.","start":1629.06,"end":1641.675,"sentiment":"neutral","sentiment_score":-0.02624091821844163},{"text":"It is absolutely fine.","start":1641.675,"end":1643.275,"sentiment":"neutral","sentiment_score":0.28645216673612595},{"text":"You can tell me that you don't wish to take it on board, and I will help move you back to ethical super.","start":1643.275,"end":1648.3151,"sentiment":"neutral","sentiment_score":0.22506623666571535}],"sentiment":"neutral","sentiment_score":0.07155900572737058,"channel":0,"num_words":81,"start":1626.42,"end":1648.3151},{"sentences":[{"text":"So please don't feel like there is any obligation here.","start":1648.3151,"end":1651.055,"sentiment":"neutral","sentiment_score":-0.11204000655561686},{"text":"I'm just wanting to look at the options and show you guys how we can help, but also make sure that the advice is within his best interest.","start":1651.115,"end":1658.49,"sentiment":"positive","sentiment_score":0.33724682139498846},{"text":"And, you know, we're boosting super as much as possible.","start":1658.49,"end":1660.89,"sentiment":"positive","sentiment_score":0.4020410358905792},{"text":"Because as I've kind of mentioned, the the fact that the balance is quite low means that we really need to kinda get that up, get that moving the for his retirement to be a factor.","start":1660.89,"end":1673.205,"sentiment":"neutral","sentiment_score":-0.2619304541084502},{"text":"Because looking at things, does Valerie know what age he'd realistically like to stop working?","start":1673.205,"end":1679.125,"sentiment":"neutral","sentiment_score":-0.23430096507072448}],"sentiment":"neutral","sentiment_score":-0.006071611429856281,"channel":0,"num_words":99,"start":1648.3151,"end":1679.125},{"sentences":[{"text":"I know the last conversation was that he'd work as long as he possibly 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is realistically the earliest that he's able to access his super.","start":1717.5,"end":1723.355,"sentiment":"neutral","sentiment_score":0.1329826224772703},{"text":"That essentially gives him a seven year time horizon because Vowie is 53 next month.","start":1724.055,"end":1729.915,"sentiment":"neutral","sentiment_score":0.0859820599357287}],"sentiment":"neutral","sentiment_score":0.11339905475162798,"channel":0,"num_words":36,"start":1717.5,"end":1729.915},{"sentences":[{"text":"Yep.","start":1730.585,"end":1731.085,"sentiment":"neutral","sentiment_score":0.041890949010849}],"sentiment":"neutral","sentiment_score":0.041890949010849,"channel":1,"num_words":1,"start":1730.585,"end":1731.085},{"sentences":[{"text":"So, realistically, it's a seven year time horizon.","start":1731.015,"end":1734.075,"sentiment":"neutral","sentiment_score":0.008753712143516168},{"text":"And given the current balance we have between the two, we're looking at '85, '89 to $790,000.","start":1734.8899,"end":1741.37,"sentiment":"neutral","sentiment_score":-0.020144887131584042},{"text":"It's less than 100,000 so far.","start":1741.37,"end":1743.63,"sentiment":"neutral","sentiment_score":-0.25851204494635266},{"text":"That would not last very long.","start":1743.7699,"end":1746.11,"sentiment":"negative","sentiment_score":-0.44900915026664734},{"text":"And with the","start":1746.33,"end":1746.97,"sentiment":"neutral","sentiment_score":-0.11221560339132945}],"sentiment":"neutral","sentiment_score":-0.12135518413851969,"channel":0,"num_words":40,"start":1731.015,"end":1746.97},{"sentences":[{"text":"Yes.","start":1746.82,"end":1747.32,"sentiment":"neutral","sentiment_score":-0.06493990868330002}],"sentiment":"neutral","sentiment_score":-0.06493990868330002,"channel":1,"num_words":1,"start":1746.82,"end":1747.32},{"sentences":[{"text":"age pension aspect, you're not eligible for age pension until 67.","start":1746.97,"end":1752.065,"sentiment":"neutral","sentiment_score":-0.16902653195641257},{"text":"So we'd have to find a way if he wants to retire in seven years to be able to boost super as much as possible so he can draw income between 60 to 67 and then, hopefully, get age pension access from 67 onwards, which is absolutely fine, and we can certainly help with that.","start":1752.065,"end":1769.48,"sentiment":"neutral","sentiment_score":0.15544556419957767},{"text":"But right now, we do need to do things to kinda boost his super a little bit more.","start":1769.62,"end":1773.88,"sentiment":"neutral","sentiment_score":0.039948754012584686},{"text":"Can I ask, does your mom work as well?","start":1774.915,"end":1776.755,"sentiment":"neutral","sentiment_score":0.02762031037774351},{"text":"Does she have any super to fall back on, or is Valley super the only thing you they have as a family to retire 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lower.","start":1797.92,"end":1798.98,"sentiment":"neutral","sentiment_score":-0.07813012351592381},{"text":"Yep.","start":1799.12,"end":1799.62,"sentiment":"neutral","sentiment_score":0.021797165274620056}],"sentiment":"neutral","sentiment_score":-0.05639295428991318,"channel":0,"num_words":5,"start":1797.52,"end":1799.62},{"sentences":[{"text":"Yeah.","start":1799.17,"end":1799.49,"sentiment":"neutral","sentiment_score":0.04611920565366745},{"text":"Yeah.","start":1799.49,"end":1799.99,"sentiment":"neutral","sentiment_score":0.08888651430606842}],"sentiment":"neutral","sentiment_score":0.06750285997986794,"channel":1,"num_words":2,"start":1799.17,"end":1799.99},{"sentences":[{"text":"That's okay.","start":1799.6799,"end":1800.5,"sentiment":"neutral","sentiment_score":0.17617474496364594},{"text":"That's okay.","start":1800.64,"end":1801.46,"sentiment":"neutral","sentiment_score":0.2421819344162941},{"text":"We'll we'll do what we can to help Maui move his super higher and sorta get things rolling a little bit more here so that we can, you know, have that to rely on.","start":1801.715,"end":1810.455,"sentiment":"neutral","sentiment_score":0.2788491402478779}],"sentiment":"neutral","sentiment_score":0.27151537176809815,"channel":0,"num_words":38,"start":1799.6799,"end":1810.455},{"sentences":[{"text":"Yeah.","start":1811.125,"end":1811.625,"sentiment":"neutral","sentiment_score":0.07469134032726288}],"sentiment":"neutral","sentiment_score":0.07469134032726288,"channel":1,"num_words":1,"start":1811.125,"end":1811.625},{"sentences":[{"text":"I'll focus on a base age of 60, but I'll also take into account 65 and 67 within the advice piece so we can look at where we're tracking for it in the next seven years, but also then if he keeps working, what this might look like.","start":1811.955,"end":1826.07,"sentiment":"neutral","sentiment_score":0.07911875234761585},{"text":"Just you get a a kind of overall picture of the circumstances and where we're projecting 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okay.","start":1838.225,"end":1839.045,"sentiment":"neutral","sentiment_score":0.11648328602313995},{"text":"All good.","start":1839.425,"end":1840.145,"sentiment":"positive","sentiment_score":0.3950463533401489},{"text":"Good.","start":1840.145,"end":1840.645,"sentiment":"positive","sentiment_score":0.4256645441055298}],"sentiment":"neutral","sentiment_score":0.2398244726161162,"channel":0,"num_words":6,"start":1837.8251,"end":1840.645},{"sentences":[{"text":"Yeah.","start":1850.24,"end":1850.48,"sentiment":"neutral","sentiment_score":0.2776259779930115},{"text":"Yeah.","start":1850.48,"end":1850.8,"sentiment":"neutral","sentiment_score":0.28382399678230286},{"text":"All 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right?","start":1859.33,"end":1860.23,"sentiment":"neutral","sentiment_score":0.02515565479795138}],"sentiment":"neutral","sentiment_score":0.0698753306021293,"channel":0,"num_words":30,"start":1851.97,"end":1860.23},{"sentences":[{"text":"No.","start":1860.5751,"end":1860.8151,"sentiment":"neutral","sentiment_score":-0.05579861253499985},{"text":"He's he's done he's finished his job 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a monthly amount, essentially.","start":2265.49,"end":2272.195,"sentiment":"neutral","sentiment_score":0.03503066066064333},{"text":"Okay?","start":2272.4949,"end":2272.9949,"sentiment":"neutral","sentiment_score":0.02677486464381218}],"sentiment":"neutral","sentiment_score":0.034617870859801766,"channel":0,"num_words":20,"start":2265.49,"end":2272.9949},{"sentences":[{"text":"Yep.","start":2273.0798,"end":2273.5798,"sentiment":"neutral","sentiment_score":0.08372249454259872}],"sentiment":"neutral","sentiment_score":0.08372249454259872,"channel":1,"num_words":1,"start":2273.0798,"end":2273.5798},{"sentences":[{"text":"Excellent.","start":2274.415,"end":2274.915,"sentiment":"neutral","sentiment_score":0.3121201992034912},{"text":"The next document out in that is the Netwealth asset performance detail report.","start":2275.935,"end":2281.48,"sentiment":"neutral","sentiment_score":0.1300042191377053},{"text":"So it does essentially show that for this year, as a whole, the portfolio has returned a positive return of 4,083 doll sorry.","start":2281.48,"end":2291.3198,"sentiment":"neutral","sentiment_score":0.1347973464137834},{"text":"$4.4.83 percent.","start":2291.3198,"end":2293.085,"sentiment":"neutral","sentiment_score":0.03294297121465206},{"text":"I do apologize.","start":2293.085,"end":2293.9849,"sentiment":"neutral","sentiment_score":-0.04006647194425265}],"sentiment":"neutral","sentiment_score":0.12019525100255296,"channel":0,"num_words":42,"start":2274.415,"end":2293.9849},{"sentences":[{"text":"It is","start":2294.285,"end":2294.765,"sentiment":"neutral","sentiment_score":-0.0057854182086884975}],"sentiment":"neutral","sentiment_score":-0.0057854182086884975,"channel":0,"num_words":2,"start":2294.285,"end":2294.765},{"sentences":[{"text":"That's 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and this year was one of those.","start":2307.99,"end":2315.21,"sentiment":"neutral","sentiment_score":-0.14037140955527624}],"sentiment":"neutral","sentiment_score":-0.26710618577069706,"channel":0,"num_words":72,"start":2294.765,"end":2315.21},{"sentences":[{"text":"Essentially, with seeing what happened between The US and the Iran war, but also here within Australia, which had very high inflationary rates.","start":2315.67,"end":2324.165,"sentiment":"neutral","sentiment_score":-0.07047097384929657},{"text":"Those sorts of things have affected the market.","start":2324.385,"end":2326.785,"sentiment":"neutral","sentiment_score":-0.13884485512971878},{"text":"So we know we we do see years of lower returns.","start":2326.785,"end":2330.165,"sentiment":"neutral","sentiment_score":0.037331614304672585},{"text":"I am happy that he has got a positive return for this year, and I do wanna kinda build on that for him.","start":2331.105,"end":2336.6501,"sentiment":"positive","sentiment_score":0.6268560083016105},{"text":"Does that make sense?","start":2336.6501,"end":2337.61,"sentiment":"neutral","sentiment_score":0.22239650413393974}],"sentiment":"neutral","sentiment_score":0.18820769167032794,"channel":0,"num_words":69,"start":2315.67,"end":2337.61},{"sentences":[{"text":"And does either of you have any questions?","start":2337.61,"end":2339.6301,"sentiment":"neutral","sentiment_score":0.04368189559318125}],"sentiment":"neutral","sentiment_score":0.04368189559318125,"channel":0,"num_words":8,"start":2337.61,"end":2339.6301},{"sentences":[{"text":"No.","start":2341.28,"end":2341.52,"sentiment":"neutral","sentiment_score":0.084569051861763},{"text":"It's it's all 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just looking at the stuff file.","start":2411.745,"end":2413.105,"sentiment":"neutral","sentiment_score":-0.05270176327654293},{"text":"I can't quite see the kinda guessing which document is 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the income protection policy for you guys.","start":3108.145,"end":3115.125,"sentiment":"neutral","sentiment_score":0.15089671371074823},{"text":"Okay?","start":3115.185,"end":3115.685,"sentiment":"neutral","sentiment_score":0.0935901403427124}],"sentiment":"neutral","sentiment_score":0.2816936888865062,"channel":0,"num_words":70,"start":3096.65,"end":3115.685},{"sentences":[{"text":"Yes.","start":3116.395,"end":3116.895,"sentiment":"neutral","sentiment_score":0.1354483962059021}],"sentiment":"neutral","sentiment_score":0.1354483962059021,"channel":1,"num_words":1,"start":3116.395,"end":3116.895},{"sentences":[{"text":"Excellent.","start":3117.6702,"end":3118.1702,"sentiment":"neutral","sentiment_score":0.3195227086544037},{"text":"Now a couple of bizarre ones I just have to update.","start":3118.79,"end":3121.61,"sentiment":"neutral","sentiment_score":-0.002817618575963107},{"text":"Is Bowie technically a tax resident of any other 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all?","start":3143.27,"end":3149.03,"sentiment":"neutral","sentiment_score":0.00019783175296404128},{"text":"No.","start":3149.03,"end":3149.53,"sentiment":"neutral","sentiment_score":-0.11136388778686523}],"sentiment":"neutral","sentiment_score":0.002657916280440986,"channel":0,"num_words":24,"start":3141.165,"end":3149.53},{"sentences":[{"text":"Not no.","start":3151.5852,"end":3152.0652,"sentiment":"neutral","sentiment_score":-0.12324775382876396},{"text":"Not 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things?","start":3159.745,"end":3162.8052,"sentiment":"neutral","sentiment_score":0.024998878501355647}],"sentiment":"neutral","sentiment_score":0.06906273344467426,"channel":0,"num_words":29,"start":3153.51,"end":3162.8052},{"sentences":[{"text":"No.","start":3168.5051,"end":3168.825,"sentiment":"neutral","sentiment_score":-0.13140363991260529},{"text":"I don't have a bill.","start":3168.825,"end":3170.045,"sentiment":"neutral","sentiment_score":-0.14748114049434663}],"sentiment":"neutral","sentiment_score":-0.1448015570640564,"channel":1,"num_words":6,"start":3168.5051,"end":3170.045},{"sentences":[{"text":"No.","start":3170.51,"end":3170.75,"sentiment":"neutral","sentiment_score":-0.12375329434871674},{"text":"That's okay.","start":3170.75,"end":3171.39,"sentiment":"neutral","sentiment_score":-0.0030404720455408096},{"text":"It is definitely something to consider and think about.","start":3171.39,"end":3173.97,"sentiment":"neutral","sentiment_score":0.05698472592565748},{"text":"It is definitely a conversation that is worth having with them around that.","start":3174.1099,"end":3177.8098,"sentiment":"neutral","sentiment_score":0.10806850000069691}],"sentiment":"neutral","sentiment_score":0.07151675179600715,"channel":0,"num_words":25,"start":3170.51,"end":3177.8098},{"sentences":[{"text":"Yeah.","start":3178.425,"end":3178.925,"sentiment":"neutral","sentiment_score":0.07026009261608124}],"sentiment":"neutral","sentiment_score":0.07026009261608124,"channel":1,"num_words":1,"start":3178.425,"end":3178.925},{"sentences":[{"text":"Obviously, you know, we help to make sure that your beneficiary nominations are in place to look after super.","start":3178.43,"end":3185.1748,"sentiment":"neutral","sentiment_score":0.08499582347116973},{"text":"But, obviously, everything outside of that, your house, your cars, your, you know, your savings accounts, all your contents, things like that, family heirloom that might have been passed down through family members, making sure those sorts of things are incorporated into a will is really important.","start":3186.1948,"end":3201.23,"sentiment":"neutral","sentiment_score":0.040176023986745385},{"text":"One of the things to sort of consider is that in today's day and age, about seventy percent of the population seem to pass away in test day, which essentially means that if they passed away without a will, they everything has to go through a probate process, which is a court process in order to be distributed out.","start":3202.01,"end":3221.135,"sentiment":"neutral","sentiment_score":-0.05054976522796235},{"text":"So having up a will and a power of attorney in place is important to make sure that everything that they have worked hard for is directed to where they want us to go in the event of passing, if that makes sense.","start":3221.135,"end":3232.0,"sentiment":"neutral","sentiment_score":0.10380092159260151}],"sentiment":"neutral","sentiment_score":0.029667840793817526,"channel":0,"num_words":168,"start":3178.43,"end":3232.0},{"sentences":[{"text":"Yeah.","start":3232.645,"end":3233.145,"sentiment":"neutral","sentiment_score":-0.010720576159656048}],"sentiment":"neutral","sentiment_score":-0.010720576159656048,"channel":1,"num_words":1,"start":3232.645,"end":3233.145},{"sentences":[{"text":"So it might just be a conversation that yourself and Ruth are able to have with them.","start":3233.58,"end":3237.6802,"sentiment":"neutral","sentiment_score":0.20799042372142568},{"text":"And I believe all up, they've got four kids.","start":3237.98,"end":3240.9402,"sentiment":"neutral","sentiment_score":0.0673054229054186},{"text":"Is that correct?","start":3240.9402,"end":3241.84,"sentiment":"neutral","sentiment_score":0.0607102798918883}],"sentiment":"neutral","sentiment_score":0.14909368445133342,"channel":0,"num_words":29,"start":3233.58,"end":3241.84},{"sentences":[{"text":"Yeah.","start":3242.6099,"end":3242.8499,"sentiment":"neutral","sentiment_score":0.03337474167346954},{"text":"There's four of us.","start":3242.8499,"end":3244.0698,"sentiment":"neutral","sentiment_score":0.03468748461455107}],"sentiment":"neutral","sentiment_score":0.034424936026334764,"channel":1,"num_words":5,"start":3242.6099,"end":3244.0698},{"sentences":[{"text":"Yep.","start":3244.505,"end":3244.9048,"sentiment":"neutral","sentiment_score":0.10939209908246994},{"text":"Beautiful.","start":3244.9048,"end":3245.4048,"sentiment":"positive","sentiment_score":0.47793254256248474},{"text":"Can I ask you to confirm with Bowie?","start":3245.4648,"end":3247.305,"sentiment":"neutral","sentiment_score":0.12459474336355925},{"text":"His beneficiary nomination on his super means that if in the event that he was to pass away, essentially, he's got here that 25% is directed to, I believe, four children.","start":3247.305,"end":3260.43,"sentiment":"neutral","sentiment_score":0.07838356699193677},{"text":"Is that correct?","start":3260.73,"end":3261.71,"sentiment":"neutral","sentiment_score":0.07299734403689702}],"sentiment":"neutral","sentiment_score":0.09620375448668544,"channel":0,"num_words":44,"start":3244.505,"end":3261.71},{"sentences":[{"text":"Is that how he wanted that to be nominated?","start":3262.0898,"end":3264.43,"sentiment":"neutral","sentiment_score":0.07027173497610623},{"text":"That's 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know.","start":3385.635,"end":3388.71,"sentiment":"neutral","sentiment_score":0.033314895550055165},{"text":"But if you're comfortable with me noting down that beneficiary nomination as it stands just so you all can review it and make sure that's comfortable, is that 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review","start":3401.285,"end":3401.9448,"sentiment":"positive","sentiment_score":0.6329320967197418}],"sentiment":"positive","sentiment_score":0.6329320967197418,"channel":1,"num_words":2,"start":3401.285,"end":3401.9448},{"sentences":[{"text":"Fantastic.","start":3401.67,"end":3402.17,"sentiment":"positive","sentiment_score":0.7577012777328491}],"sentiment":"positive","sentiment_score":0.7577012777328491,"channel":0,"num_words":1,"start":3401.67,"end":3402.17},{"sentences":[{"text":"it and I'll talk about it.","start":3402.005,"end":3404.1848,"sentiment":"positive","sentiment_score":0.5456455697615942}],"sentiment":"positive","sentiment_score":0.5456455697615942,"channel":1,"num_words":6,"start":3402.005,"end":3404.1848},{"sentences":[{"text":"Fantastic.","start":3404.285,"end":3404.765,"sentiment":"positive","sentiment_score":0.5878384709358215},{"text":"Yeah.","start":3404.765,"end":3405.085,"sentiment":"positive","sentiment_score":0.4293730854988098},{"text":"Absolutely.","start":3405.085,"end":3405.585,"sentiment":"positive","sentiment_score":0.5479862689971924},{"text":"Fantastic.","start":3406.285,"end":3406.785,"sentiment":"positive","sentiment_score":0.6089391112327576},{"text":"Okay.","start":3408.2048,"end":3408.7048,"sentiment":"neutral","sentiment_score":0.2638530731201172}],"sentiment":"positive","sentiment_score":0.4875980019569397,"channel":0,"num_words":5,"start":3404.285,"end":3408.7048},{"sentences":[{"text":"The last thing I just wanted to run through is a risk profile questionnaire.","start":3409.005,"end":3412.145,"sentiment":"neutral","sentiment_score":0.054460299999586174},{"text":"I believe we did one of these with you guys last year.","start":3412.6848,"end":3415.1648,"sentiment":"neutral","sentiment_score":0.06759442730496328},{"text":"So I'll go through each of the questions.","start":3415.1648,"end":3416.9448,"sentiment":"neutral","sentiment_score":0.07428285572677851},{"text":"If you can just relay that to him and help him decide which answer is appropriate for him at the moment, it helps us to decide how how your super should be invested, essentially.","start":3417.1648,"end":3428.2,"sentiment":"neutral","sentiment_score":0.10908200537018917},{"text":"The first one here I'm looking at is, essentially, how much risk is he comfortable taking?","start":3429.3,"end":3435.1548,"sentiment":"neutral","sentiment_score":0.004019511805381626}],"sentiment":"neutral","sentiment_score":0.07072548267786347,"channel":0,"num_words":84,"start":3409.005,"end":3435.1548},{"sentences":[{"text":"Is he comfortable taking a lot a a higher amount of risk to get greater potential returns?","start":3435.615,"end":3441.1548,"sentiment":"neutral","sentiment_score":-0.00886124569703551},{"text":"Is he comfortable taking a moderate or medium amount of risk to get the best returns possible?","start":3441.615,"end":3446.4348,"sentiment":"neutral","sentiment_score":-0.0011523909428540397},{"text":"Or is he comfortable not taking much risk in the market knowing the returns are lower than are gonna be lower because of that?","start":3446.6902,"end":3453.6702,"sentiment":"neutral","sentiment_score":-0.06176407844759524}],"sentiment":"neutral","sentiment_score":-0.028492581131386346,"channel":0,"num_words":58,"start":3435.615,"end":3453.6702},{"sentences":[{"text":"He said was it medium?","start":3465.5798,"end":3468.8,"sentiment":"neutral","sentiment_score":-0.009392324090003967}],"sentiment":"neutral","sentiment_score":-0.009392324090003967,"channel":1,"num_words":5,"start":3465.5798,"end":3468.8},{"sentences":[{"text":"Medium?","start":3469.745,"end":3470.245,"sentiment":"neutral","sentiment_score":-0.003504496067762375},{"text":"Yep.","start":3470.385,"end":3470.865,"sentiment":"neutral","sentiment_score":0.017241334542632103}],"sentiment":"neutral","sentiment_score":0.006868419237434864,"channel":0,"num_words":2,"start":3469.745,"end":3470.865},{"sentences":[{"text":"Yeah.","start":3470.46,"end":3470.96,"sentiment":"neutral","sentiment_score":0.043888431042432785}],"sentiment":"neutral","sentiment_score":0.043888431042432785,"channel":1,"num_words":1,"start":3470.46,"end":3470.96},{"sentences":[{"text":"Absolutely.","start":3470.865,"end":3471.365,"sentiment":"neutral","sentiment_score":0.1099717915058136},{"text":"Yep.","start":3472.305,"end":3472.625,"sentiment":"neutral","sentiment_score":0.10035466402769087},{"text":"Beautiful.","start":3472.625,"end":3473.125,"sentiment":"neutral","sentiment_score":0.22395217418670657},{"text":"How do you think you might feel if you saw your super fall by 20% over the next one to two years?","start":3474.15,"end":3479.8298,"sentiment":"neutral","sentiment_score":-0.12487481466748497},{"text":"So this realistically can happen because markets do go up.","start":3479.8298,"end":3482.95,"sentiment":"neutral","sentiment_score":-0.11605868190526962}],"sentiment":"neutral","sentiment_score":-0.09924440320049013,"channel":0,"num_words":35,"start":3470.865,"end":3482.95},{"sentences":[{"text":"They do go down, and it's about making sure you're invested in a profile that you're not gonna be accessing that money or selling out of the investments in a downtime.","start":3482.95,"end":3492.315,"sentiment":"neutral","sentiment_score":-0.12102724046957108},{"text":"We want you to wade through it and allow your portfolio to come back and recover.","start":3492.455,"end":3497.115,"sentiment":"neutral","sentiment_score":-0.06359860254451632},{"text":"If you saw your super fall by 20% over the next one to two years, how do you think you might be feeling?","start":3497.655,"end":3500.28,"sentiment":"neutral","sentiment_score":-0.06697575407831566},{"text":"Are you up to one to two years, how do you think you might be feeling?","start":3500.28,"end":3503.5999,"sentiment":"neutral","sentiment_score":0.023136326344683766},{"text":"Are you optimistic, feeling like it's an investment opportunity?","start":3503.98,"end":3507.04,"sentiment":"neutral","sentiment_score":0.1512370900147491}],"sentiment":"neutral","sentiment_score":-0.04819525692023729,"channel":0,"num_words":95,"start":3482.95,"end":3507.04},{"sentences":[{"text":"You might put some more money in and take advantage of that downtime.","start":3507.0999,"end":3510.16,"sentiment":"neutral","sentiment_score":0.04930114144316086},{"text":"Are you maybe gonna hold and wait?","start":3510.78,"end":3512.7,"sentiment":"neutral","sentiment_score":-0.03755371698311397},{"text":"Maybe call me and have a chat to me about it and see what we suggest to do, or are you a little bit nervous and maybe wanting to sell that investment to cash?","start":3512.7,"end":3521.025,"sentiment":"neutral","sentiment_score":-0.03339646833346171},{"text":"How do you think you might feel?","start":3521.085,"end":3522.7048,"sentiment":"neutral","sentiment_score":-0.03303962254098484}],"sentiment":"neutral","sentiment_score":-0.016208499364677022,"channel":0,"num_words":61,"start":3507.0999,"end":3522.7048},{"sentences":[{"text":"You said you'll probably get that advice, maybe call you guys up.","start":3526.92,"end":3534.585,"sentiment":"neutral","sentiment_score":-0.00885187997482717}],"sentiment":"neutral","sentiment_score":-0.00885187997482717,"channel":1,"num_words":12,"start":3526.92,"end":3534.585},{"sentences":[{"text":"Maybe give me a call.","start":3534.3901,"end":3535.51,"sentiment":"neutral","sentiment_score":0.008859968185424805},{"text":"Yes.","start":3535.51,"end":3535.99,"sentiment":"neutral","sentiment_score":0.08088701963424683}],"sentiment":"neutral","sentiment_score":0.020864476760228474,"channel":0,"num_words":6,"start":3534.3901,"end":3535.99},{"sentences":[{"text":"Yeah.","start":3535.765,"end":3536.265,"sentiment":"neutral","sentiment_score":0.18717628717422485}],"sentiment":"neutral","sentiment_score":0.18717628717422485,"channel":1,"num_words":1,"start":3535.765,"end":3536.265},{"sentences":[{"text":"Beautiful.","start":3535.99,"end":3536.49,"sentiment":"positive","sentiment_score":0.5752013921737671},{"text":"That's a good 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past?","start":3546.165,"end":3555.765,"sentiment":"neutral","sentiment_score":-0.11710967080933707},{"text":"Were you feeling happy and optimistic about the investment opportunity?","start":3555.765,"end":3559.88,"sentiment":"neutral","sentiment_score":0.10973070561885834},{"text":"Are you feeling cautious, concerned, or a bit anxious?","start":3560.02,"end":3563.0,"sentiment":"neutral","sentiment_score":-0.17517825050486457}],"sentiment":"neutral","sentiment_score":-0.08941964150539466,"channel":0,"num_words":70,"start":3540.1501,"end":3563.0},{"sentences":[{"text":"He's I don't think he's Oh, is it like if he's seen it if he's ever had it","start":3565.395,"end":3570.9949,"sentiment":"neutral","sentiment_score":-0.08101924156977071}],"sentiment":"neutral","sentiment_score":-0.08101924156977071,"channel":1,"num_words":18,"start":3565.395,"end":3570.9949},{"sentences":[{"text":"Yeah.","start":3570.9,"end":3571.4,"sentiment":"neutral","sentiment_score":-0.04863375425338745}],"sentiment":"neutral","sentiment_score":-0.04863375425338745,"channel":0,"num_words":1,"start":3570.9,"end":3571.4},{"sentences":[{"text":"falling or","start":3570.9949,"end":3571.895,"sentiment":"neutral","sentiment_score":-0.05803939513862133}],"sentiment":"neutral","sentiment_score":-0.05803939513862133,"channel":1,"num_words":2,"start":3570.9949,"end":3571.895},{"sentences":[{"text":"Yeah.","start":3572.105,"end":3572.505,"sentiment":"neutral","sentiment_score":-0.048998042941093445},{"text":"Yeah.","start":3572.505,"end":3572.6648,"sentiment":"neutral","sentiment_score":-0.046198613941669464},{"text":"If he's looked at it one day and the the value of the investment or the value of the super had dropped below hit the last time he looked at it.","start":3572.6648,"end":3580.365,"sentiment":"neutral","sentiment_score":-0.13696118996989343}],"sentiment":"neutral","sentiment_score":-0.13154525896816543,"channel":0,"num_words":33,"start":3572.105,"end":3580.365},{"sentences":[{"text":"I think I think he was still wait.","start":3585.675,"end":3592.335,"sentiment":"neutral","sentiment_score":-0.15028080437332392},{"text":"What's the word?","start":3592.635,"end":3593.455,"sentiment":"neutral","sentiment_score":-0.06267942115664482},{"text":"No.","start":3600.42,"end":3600.66,"sentiment":"neutral","sentiment_score":-0.18165983259677887},{"text":"I didn't really, like, I didn't really bother too much, but, you know, still a bit of, like, bother.","start":3600.66,"end":3606.3599,"sentiment":"neutral","sentiment_score":-0.19683251961281426},{"text":"But,","start":3606.74,"end":3607.24,"sentiment":"neutral","sentiment_score":-0.06852784007787704}],"sentiment":"neutral","sentiment_score":-0.1681340701179579,"channel":1,"num_words":32,"start":3585.675,"end":3607.24},{"sentences":[{"text":"Yep.","start":3607.255,"end":3607.755,"sentiment":"neutral","sentiment_score":-0.07017364352941513}],"sentiment":"neutral","sentiment_score":-0.07017364352941513,"channel":0,"num_words":1,"start":3607.255,"end":3607.755},{"sentences":[{"text":"like, didn't take it to heart that 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oh, it did go down.","start":3623.585,"end":3628.945,"sentiment":"neutral","sentiment_score":-0.10849497264081781},{"text":"Does that sound right?","start":3628.945,"end":3629.985,"sentiment":"neutral","sentiment_score":-0.024466082453727722}],"sentiment":"neutral","sentiment_score":-0.14905437066846963,"channel":0,"num_words":49,"start":3617.51,"end":3629.985},{"sentences":[{"text":"Am I on the right track?","start":3629.985,"end":3631.205,"sentiment":"neutral","sentiment_score":-0.04426456242799759}],"sentiment":"neutral","sentiment_score":-0.04426456242799759,"channel":0,"num_words":6,"start":3629.985,"end":3631.205},{"sentences":[{"text":"Yeah.","start":3631.3699,"end":3631.53,"sentiment":"neutral","sentiment_score":0.045920565724372864},{"text":"That's yeah.","start":3631.53,"end":3632.25,"sentiment":"neutral","sentiment_score":0.08021863177418709},{"text":"That's","start":3632.25,"end":3632.75,"sentiment":"neutral","sentiment_score":0.06806619465351105}],"sentiment":"neutral","sentiment_score":0.06860600598156452,"channel":1,"num_words":4,"start":3631.3699,"end":3632.75},{"sentences":[{"text":"Yep.","start":3632.945,"end":3633.445,"sentiment":"neutral","sentiment_score":0.04638081789016723}],"sentiment":"neutral","sentiment_score":0.04638081789016723,"channel":0,"num_words":1,"start":3632.945,"end":3633.445},{"sentences":[{"text":"probably yeah.","start":3632.97,"end":3633.53,"sentiment":"neutral","sentiment_score":0.036384036764502525},{"text":"That's 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change that answer?","start":3653.085,"end":3655.485,"sentiment":"neutral","sentiment_score":0.0359640299446053}],"sentiment":"neutral","sentiment_score":0.029026411146332975,"channel":0,"num_words":64,"start":3634.865,"end":3655.485},{"sentences":[{"text":"Has you ever thought about borrowing to invest in any way?","start":3655.485,"end":3658.385,"sentiment":"neutral","sentiment_score":-0.003133833831684156}],"sentiment":"neutral","sentiment_score":-0.003133833831684156,"channel":0,"num_words":11,"start":3655.485,"end":3658.385},{"sentences":[{"text":"No.","start":3658.88,"end":3659.28,"sentiment":"neutral","sentiment_score":-0.15336546301841736},{"text":"No.","start":3659.28,"end":3659.52,"sentiment":"neutral","sentiment_score":-0.17585328221321106},{"text":"I don't 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okay.","start":3661.325,"end":3662.145,"sentiment":"neutral","sentiment_score":-0.003641899675130844}],"sentiment":"neutral","sentiment_score":-0.04390255113442739,"channel":0,"num_words":3,"start":3661.0051,"end":3662.145},{"sentences":[{"text":"yeah.","start":3661.92,"end":3662.42,"sentiment":"neutral","sentiment_score":0.12490282207727432}],"sentiment":"neutral","sentiment_score":0.12490282207727432,"channel":1,"num_words":1,"start":3661.92,"end":3662.42},{"sentences":[{"text":"Beautiful.","start":3663.485,"end":3663.985,"sentiment":"positive","sentiment_score":0.5848566293716431},{"text":"Thank you so much for answering those questions there.","start":3664.68,"end":3667.26,"sentiment":"positive","sentiment_score":0.7054151362842984},{"text":"Essentially, with the way you have scored, Bauer, you've scored as a growth investor, and that essentially means that we would see 80% of your super invested in growth investments.","start":3667.56,"end":3678.885,"sentiment":"neutral","sentiment_score":0.21358403315146765},{"text":"So think about Australian shares, international shares, precious metals like gold and silver, and then some property in there as well.","start":3679.1052,"end":3687.925,"sentiment":"neutral","sentiment_score":0.14878263537372863},{"text":"The other 20% would be in low risk defensive investments like cash funds and fixed interest.","start":3689.1052,"end":3694.38,"sentiment":"neutral","sentiment_score":0.0938654406927526}],"sentiment":"neutral","sentiment_score":0.2333428083689182,"channel":0,"num_words":77,"start":3663.485,"end":3694.38},{"sentences":[{"text":"Essentially, this sort of investment suits your time horizon if you're not gonna access your super in six years.","start":3695.16,"end":3701.02,"sentiment":"neutral","sentiment_score":0.00929734365720498},{"text":"So because, realistically, you're not gonna access super for at least seven years at this point, maybe longer depending on, you know, the advice and how long it takes to kind of build up to where you want it to be.","start":3701.4,"end":3713.905,"sentiment":"neutral","sentiment_score":-0.07302035981925523},{"text":"Do you feel comfortable staying in this kind of environment, or does he wanna maybe reduce the risk level a little bit?","start":3714.365,"end":3721.68,"sentiment":"neutral","sentiment_score":-0.05009275742552497}],"sentiment":"neutral","sentiment_score":-0.04779543763980633,"channel":0,"num_words":82,"start":3695.16,"end":3721.68},{"sentences":[{"text":"Okay.","start":3724.3801,"end":3724.7002,"sentiment":"neutral","sentiment_score":0.010211780667304993},{"text":"That'd be the case for the same.","start":3724.7002,"end":3726.24,"sentiment":"neutral","sentiment_score":0.04865741756345544}],"sentiment":"neutral","sentiment_score":0.04385171295143664,"channel":1,"num_words":8,"start":3724.3801,"end":3726.24},{"sentences":[{"text":"Keep it the same?","start":3727.04,"end":3727.8398,"sentiment":"neutral","sentiment_score":0.08824087306857109},{"text":"Yeah.","start":3727.8398,"end":3728.16,"sentiment":"neutral","sentiment_score":0.04642052203416824},{"text":"Realistically,","start":3728.16,"end":3728.66,"sentiment":"neutral","sentiment_score":0.04091453552246094}],"sentiment":"neutral","sentiment_score":0.0733830916384856,"channel":0,"num_words":6,"start":3727.04,"end":3728.66},{"sentences":[{"text":"Yeah.","start":3728.545,"end":3729.045,"sentiment":"neutral","sentiment_score":0.10413005948066711}],"sentiment":"neutral","sentiment_score":0.10413005948066711,"channel":1,"num_words":1,"start":3728.545,"end":3729.045},{"sentences":[{"text":"for his time horizon's a good spot to stay in.","start":3728.96,"end":3731.7,"sentiment":"neutral","sentiment_score":0.16085598543286322},{"text":"The other thing to sort of think about is with having a lower balance, we wanna kinda get more growth and make it work a bit 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point where I suggest that we should probably start reducing that risk level back, and I'll kind of point that out at that time because I don't want him to be taking more risk than he needs to.","start":3764.845,"end":3776.385,"sentiment":"neutral","sentiment_score":-0.12716942037953888},{"text":"Does that all make sense?","start":3776.845,"end":3778.04,"sentiment":"neutral","sentiment_score":0.012665525823831559},{"text":"Do you have questions about any of","start":3778.04,"end":3780.14,"sentiment":"neutral","sentiment_score":-0.038099970136369975}],"sentiment":"neutral","sentiment_score":-0.10312104069373824,"channel":0,"num_words":55,"start":3764.845,"end":3780.14},{"sentences":[{"text":"No.","start":3783.41,"end":3783.73,"sentiment":"neutral","sentiment_score":-0.08367657661437988},{"text":"It's it's all 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annual review.","start":3788.92,"end":3792.04,"sentiment":"neutral","sentiment_score":0.27917560338974},{"text":"So if you guys are very comfortable, I will go back and do a bit of a recap email.","start":3792.04,"end":3797.7249,"sentiment":"neutral","sentiment_score":0.24484885836902417},{"text":"I'll go through what we've gone through and discussed,","start":3797.945,"end":3800.605,"sentiment":"neutral","sentiment_score":0.14228208859761557}],"sentiment":"neutral","sentiment_score":0.22959008263914207,"channel":0,"num_words":38,"start":3788.92,"end":3800.605},{"sentences":[{"text":"Yeah.","start":3801.48,"end":3801.98,"sentiment":"neutral","sentiment_score":0.1434101164340973}],"sentiment":"neutral","sentiment_score":0.1434101164340973,"channel":1,"num_words":1,"start":3801.48,"end":3801.98},{"sentences":[{"text":"what advice I'm looking to provide, the areas, and just kind of a recap email.","start":3801.785,"end":3806.83,"sentiment":"neutral","sentiment_score":0.1412310406565666},{"text":"I'll have the beneficiary details in there for you to also look at and discuss.","start":3806.83,"end":3810.85,"sentiment":"neutral","sentiment_score":0.22115471859773},{"text":"And I'll email it to Bowie, but also to yourself and to Ruth.","start":3812.03,"end":3815.8699,"sentiment":"neutral","sentiment_score":0.18518942594528198},{"text":"That way, everyone gets a copy of it as his authority's on file.","start":3815.8699,"end":3820.53,"sentiment":"neutral","sentiment_score":0.2574686419505339},{"text":"And if any of you have any questions, please come back and let me know.","start":3820.715,"end":3823.915,"sentiment":"neutral","sentiment_score":0.1642403095960617}],"sentiment":"neutral","sentiment_score":0.19230909740001384,"channel":0,"num_words":71,"start":3801.785,"end":3823.915},{"sentences":[{"text":"I'll also add in there for you the financial services guide so you have a copy of that to kind of run your eyes through to look at what we are as advisers, the services we provide, and how we work in his best interest.","start":3823.915,"end":3835.615,"sentiment":"neutral","sentiment_score":0.22728674444887373},{"text":"And if you have any questions, please let me know.","start":3836.3,"end":3838.54,"sentiment":"neutral","sentiment_score":0.1124241292476654},{"text":"I'm more than happy to sorta help you, and I'll get stuck into doing the research.","start":3838.54,"end":3842.88,"sentiment":"positive","sentiment_score":0.4941600076854229},{"text":"It just takes a couple of weeks to do the research.","start":3843.34,"end":3845.66,"sentiment":"neutral","sentiment_score":0.23980161954056134},{"text":"My team will contact you, book you all back in so we can kinda go through it 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you so much for that today.","start":3913.125,"end":3914.645,"sentiment":"positive","sentiment_score":0.8574522052492414}],"sentiment":"positive","sentiment_score":0.8001201206987555,"channel":0,"num_words":11,"start":3904.9001,"end":3914.645},{"sentences":[{"text":"I really appreciate all of your time.","start":3914.645,"end":3916.585,"sentiment":"positive","sentiment_score":0.8470914959907532},{"text":"I hope you all have a beautiful day, and the sun stays out for you.","start":3916.725,"end":3920.38,"sentiment":"positive","sentiment_score":0.8036538640658061},{"text":"I hope you have a good day, Bowie.","start":3920.38,"end":3922.16,"sentiment":"positive","sentiment_score":0.6934571862220764},{"text":"Thank thank you so much for your time.","start":3924.46,"end":3926.38,"sentiment":"positive","sentiment_score":0.7841110378503799},{"text":"I hope you all have a wonderful day, and I'll talk to you very 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from Okie Financial conduct annual reviews with customers and provide information on documents and insurance policies. They discuss the process of sending personal information and providing details on documents and fees, including the use of the ethical super to protect income and retirement goals. The speaker suggests consolidating accounts and adding more funds to the super plan to increase contributions and savings. They also discuss risk profiles and risks associated with investment opportunities, and provide information on risk levels and staying in a low risk environment. The annual reviews provide updates on the customer's financial goals and risk profiles."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Dana, Okie Financial.","start_word":1,"end_word":19,"intents":[{"intent":"Check availability","confidence_score":0.122319594}]},{"text":"If it's okay, I do need to do security with you both first up. But am I on speakerphone? Is Bawi there? Can he hear me okay? Yeah.","start_word":81,"end_word":108,"intents":[{"intent":"Discuss security","confidence_score":0.02329067}]},{"text":"Thank you so much for that. And, Massey, can I just confirm your Yes. your full name as well? Yep.","start_word":256,"end_word":275,"intents":[{"intent":"Confirm details","confidence_score":0.040632583}]},{"text":"So, essentially, I just wanted to kind of touch base and sort of go through the annual review with you. Obviously, we do have an an external third party authority on file for yourself, Maxx, so you can sort of help Bowery along to make sure that he understands everything that we are saying and doing. It Yes.","start_word":294,"end_word":351,"intents":[{"intent":"End call","confidence_score":0.047154464}]},{"text":"If it doesn't come through, please do also check your junk mail. Sometimes I get directed through the junk mailbox. Yeah.","start_word":754,"end_word":774,"intents":[{"intent":"Check junk mail","confidence_score":0.61987203},{"intent":"Check documents","confidence_score":0.019492991}]},{"text":"So There we this document, go. if you want him to find it, or did you just we'll just look into this. We're just gonna look at them first.","start_word":893,"end_word":921,"intents":[{"intent":"Find documents","confidence_score":0.0016858124}]},{"text":"So, realistically, we haven't had a lot of growth this year. It is around a lot to do with what's been happening in the markets as a whole. But Mhmm.","start_word":1086,"end_word":1115,"intents":[{"intent":"Discuss and plan for growth","confidence_score":0.00009521962}]},{"text":"because there's no contributions going in there, the funds are still invested, so they should still technically see growth. But Yeah.","start_word":1866,"end_word":1886,"intents":[{"intent":"Keep investments","confidence_score":0.0033007215}]},{"text":"So we just wanna make sure that there's enough money in there to cover the insurance premiums and that Yeah.","start_word":1925,"end_word":1944,"intents":[{"intent":"Make sure enough money","confidence_score":0.0046038465}]},{"text":"ethical is looked after that way.","start_word":1945,"end_word":1950,"intents":[{"intent":"Maintain ethical super","confidence_score":0.08030539}]},{"text":"All good to just consolidate the accounts Yeah. We into can.","start_word":1995,"end_word":2005,"intents":[{"intent":"Consolidate accounts","confidence_score":0.80903053},{"intent":"Consolidate accounts","confidence_score":0.014509198}]},{"text":"the Is into the main one that he's yep. got from his main job instead of the other one? Because it's no point in We it wasn't. yeah.","start_word":2006,"end_word":2033,"intents":[{"intent":"Clarify position","confidence_score":0.00033840814}]},{"text":"So is the income protection policy important for him to keep?","start_word":2049,"end_word":2059,"intents":[{"intent":"Determine policy importance","confidence_score":0.0067468076}]},{"text":"We would my dad said we'll probably move the Aware Super and consolidate Mhmm. with the ethical super. It was the one with the income protection. So the Netwealth into the ethical super?","start_word":2111,"end_word":2143,"intents":[{"intent":"Move into ethical super","confidence_score":0.004617299}]},{"text":"We can if he decides he wants to move everything back into the ethical super, which is honestly not a bad idea being as the balance is a little bit lower, it just means that the Clearview insurances need to be changed.","start_word":2287,"end_word":2328,"intents":[{"intent":"Reverse service obligations","confidence_score":0.0000026456664}]},{"text":"So having it in one place would work out much better for him because moving forward, everything being invested in one place, you know, more money makes more money. So having it in one super fund can save him on fees and can provide a bit more of a boost to his super fund.","start_word":2612,"end_word":2665,"intents":[{"intent":"Discuss investment options","confidence_score":0.013904736}]},{"text":"The other side of things is I adding additional contributions. Does is Bowie in a position where he can put some more money into super increase his contributions in?","start_word":2665,"end_word":2693,"intents":[{"intent":"Add contributions","confidence_score":0.006106875}]},{"text":"But if there was a way that I could consolidate into Netwealth, would he be open to doing that, or would he rather go back to ethical?","start_word":3017,"end_word":3043,"intents":[{"intent":"Consolidate into netwealth","confidence_score":0.8980875}]},{"text":"is some eligibility questions that I can ask if you're comfortable with me doing that to be able to confirm whether we could maybe look at transferring his income protection policy over to Netwealth. Is he okay if I was to go through those now with you to ask those questions to see if there's eligibility to consolidate that way? Yeah.","start_word":3119,"end_word":3179,"intents":[{"intent":"Confirm eligibility for income protection policy transfer to netwealth","confidence_score":0.00069724186}]},{"text":"The next question here is, has he been off work or absent unable to perform his full time duties for in the last twelve months? So not including if he's been off sick or so has he been off work or not able to for a longer period of time, say, more than six days over the past twelve months. No.","start_word":3362,"end_word":3422,"intents":[{"intent":"Confirm availability","confidence_score":0.0041780234}]},{"text":"The next one here is, has he ever been diagnosed, or does he suffer from an illness that may cause inability to do his normal full time occupation? So an injury?","start_word":3431,"end_word":3461,"intents":[{"intent":"Ask about medical records","confidence_score":0.0034632972}]},{"text":"Has he ever had insurance an insurance application for death, TBD, terminal illness, income protection, or accident and sickness cover ever refused?","start_word":3473,"end_word":3494,"intents":[{"intent":"Inquire about insurance","confidence_score":0.000096897835}]},{"text":"if there is a way to do that, I could look at how we could maybe transfer that policy from the Ethical Super Internet wealth and consolidate things that way.","start_word":3717,"end_word":3746,"intents":[{"intent":"Transfer policy","confidence_score":0.9101843}]},{"text":"We can still monitor the investments.","start_word":3756,"end_word":3761,"intents":[{"intent":"Monitor investments","confidence_score":0.98077434},{"intent":"Monitor investments","confidence_score":0.33339015}]},{"text":"Would he like me to do the research around that and maybe update the advice documents update the advice to reflect these changes so then you can take the advice back and look at things as a whole and decide whether you would like to stay on board or whether you wanna go to ethical super.","start_word":3859,"end_word":3914,"intents":[{"intent":"Update advice","confidence_score":0.43664694},{"intent":"Help to steer to ethical super","confidence_score":0.00010691562},{"intent":"Provide advice on staying on board","confidence_score":0.004209941}]},{"text":"Would he like me to do the research around that and maybe update the advice documents update the advice to reflect these changes so then you can take the advice back and look at things as a whole and decide whether you would like to stay on board or whether you wanna go to ethical super. Is that an option that I might be able to undertake for you all?","start_word":3859,"end_word":3928,"intents":[{"intent":"Make recommendations","confidence_score":0.003182795}]},{"text":"And, you know, we're boosting super as much as possible.","start_word":4053,"end_word":4062,"intents":[{"intent":"Build super super","confidence_score":0.0015810938}]},{"text":"Because looking at things, does Valerie know what age he'd realistically like to stop working?","start_word":4099,"end_word":4113,"intents":[{"intent":"Determine retirement age","confidence_score":0.6257521}]},{"text":"But, realistically, what age would he like to retire?","start_word":4129,"end_word":4137,"intents":[{"intent":"Evaluate retirement age","confidence_score":0.112882785}]},{"text":"Now the other thing I just wanted to touch on is with the new role. So Bowie is now working for Coffs Harbour Christian Community School. Is that right?","start_word":4514,"end_word":4542,"intents":[{"intent":"Explore role roles","confidence_score":0.00096414506}]},{"text":"If I recommend something like that, is he okay with me assessing all the different options and seeing where else it might be better for him to put his funds and how this might benefit him? Yeah.","start_word":4827,"end_word":4863,"intents":[{"intent":"Discuss options","confidence_score":0.041071586}]},{"text":"We'll talk through the advice. You guys can take it back and read it as a family and talk it over. Ask me any questions. The all the advice we provide is valid for sixty days, so you have time to take that back to review it, to read it, and to come back and ask me additional questions if you need to do so. Does that sound okay? Yeah.","start_word":4951,"end_word":5020,"intents":[{"intent":"Review advice","confidence_score":0.3171428}]},{"text":"The other things I just wanted to sort of touch on now, going back to that email there, underneath that, bow, he does have his ClearView life and TBD policy. Does he understand how those insurance policies work, how they pay out? Does he have any questions about the insurances within ClearView at all?","start_word":5027,"end_word":5080,"intents":[{"intent":"Discuss insurances","confidence_score":0.052166082},{"intent":"Discuss insurance policies","confidence_score":0.0050006052}]},{"text":"On that document there, you'll notice underneath the ClearView policy, you've got the premiums noted there. Now it does essentially show that for the year, for having his wife and TPD paid out of the Netwealth Fund, the insurer receives the top premium, the 8,255. He has actually paid 7,017 for these insurances.","start_word":5232,"end_word":5284,"intents":[{"intent":"Discuss policy benefits","confidence_score":0.0003134826}]},{"text":"I am happy that he has got a positive return for this year, and I do wanna kinda build on that for him. Does that make sense?","start_word":5635,"end_word":5661,"intents":[{"intent":"Build on positive return","confidence_score":0.39708728}]},{"text":"So it is just a bit of a guide. I won't go into it on a huge amount of detail, but do you have any questions about masters as a whole about investing or anything around the portfolio? No.","start_word":5747,"end_word":5785,"intents":[{"intent":"Provide guidance on investing","confidence_score":0.0014042124},{"intent":"Provide portfolio guide","confidence_score":0.00052698905}]},{"text":"And if you click next, you should then see, I believe, the ongoing fee agreement. Can you see that one there at all? Advanced fee consent?","start_word":5931,"end_word":5956,"intents":[{"intent":"Clarify fee method","confidence_score":0.00011226066},{"intent":"Confirm fee agreement","confidence_score":0.17021315}]},{"text":"So for our services, because we're financial advisers, we are a professional service, and we provide advice for looking after his super and helping him meet his goals and working forward.","start_word":5960,"end_word":5990,"intents":[{"intent":"Provide advice","confidence_score":0.030945834}]},{"text":"In order to do our job, we do charge an ongoing service fee for doing so.","start_word":5991,"end_word":6006,"intents":[{"intent":"Charge service fee","confidence_score":0.08627617}]},{"text":"It actually shows for the year, the ongoing service fee that Yeah. Valley will pay to us is $1,308.25. I Can you see that can.","start_word":6178,"end_word":6202,"intents":[{"intent":"Confirm fee charge","confidence_score":0.0015316693},{"intent":"Confirm fee charge","confidence_score":0.0032273598}]},{"text":"And do either of you have any questions? No.","start_word":6321,"end_word":6329,"intents":[{"intent":"Assist with advisers and provide advice","confidence_score":0.00013668281}]},{"text":"Essentially, once you're welcome to take this back and have a bit of a look at the documents prior to you signing them. But if that way, he does wanna retain us as his advisers to the moment in order to kind of look at the advice and do everything that I will be doing. We do ask that you sign and return that back so we can keep looking after everything for you guys.","start_word":6336,"end_word":6410,"intents":[{"intent":"Review documents and provide advice","confidence_score":0.00009023892}]},{"text":"But that essentially runs you through everything about our services, who we are, what we do as advisers, our fee structure, and all the advice that we're able to provide to you guys as well. So if I attach that to the recast email, it means that you and Ruth will also have a copy of that document. So you guys understand who we are, what we do, and also, Vowie's well informed. Does that make sense?","start_word":6578,"end_word":6654,"intents":[{"intent":"Provide information about services and advisers","confidence_score":0.0038501676}]},{"text":"So if I attach that to the recast email, it means that you and Ruth will also have a copy of that document. So you guys understand who we are, what we do, and also, Vowie's well informed. Does that make sense? Yeah.","start_word":6613,"end_word":6655,"intents":[{"intent":"Attach document to email","confidence_score":0.15079212}]},{"text":"And what kind of value would they put on that vehicle, do you think? Yep.","start_word":7119,"end_word":7133,"intents":[{"intent":"Explain asset value","confidence_score":0.000051454663},{"intent":"Determine value of vehicle","confidence_score":0.0018096659}]},{"text":"And is the vehicle owned outright?","start_word":7137,"end_word":7142,"intents":[{"intent":"Confirm vehicle ownership","confidence_score":0.17459469},{"intent":"Confirm vehicle ownership","confidence_score":0.21096408}]},{"text":"There's no loans owing Yeah.","start_word":7143,"end_word":7147,"intents":[{"intent":"Assess potential liabilities","confidence_score":0.0000041954845}]},{"text":"Do you know or do they have contents insurance on their property currently? Insurance. I can do that. Content insurance. Okay.","start_word":7254,"end_word":7274,"intents":[{"intent":"Clarify insurance type","confidence_score":0.00011804283}]},{"text":"When we think about sleep and the advice, would Vowie prefer to focus on paying down the mortgage currently, or would he like me or be comfortable with me making a recommendation around adding additional funds into super to provide greater growth for his retirement? Is he Okay.","start_word":7335,"end_word":7382,"intents":[{"intent":"Recommend adding funds to super","confidence_score":0.00077830855}]},{"text":"So I'll just look at a way to kind of provide a boost to super invest it correctly and maybe consolidate it to see where that treks over the next couple of years. Is that accurate? Yes.","start_word":7442,"end_word":7478,"intents":[{"intent":"Consolidate vehicle","confidence_score":0.122865945}]},{"text":"I will make a note that we'll focus on additional contributions down the track there as well. That is something we are probably gonna have to look at to provide additional growth and help that super grow a little bit more as well. But I'll focus on just trying to consolidate things for now and see what I can do with the the income protection policy for you guys. Okay? Yes.","start_word":7487,"end_word":7557,"intents":[{"intent":"Consolidate contributions","confidence_score":0.14524722}]},{"text":"Is Bowie technically a tax resident of any other country?","start_word":7570,"end_word":7579,"intents":[{"intent":"Update tax information","confidence_score":0.19089723}]},{"text":"And have your mom and dad got a will power of attorney in place? Have they sorta considered the estate planning side of things?","start_word":7642,"end_word":7665,"intents":[{"intent":"Reconsider estate planning","confidence_score":0.0036768327}]},{"text":"And have your mom and dad got a will power of attorney in place? Have they sorta considered the estate planning side of things? No.","start_word":7642,"end_word":7666,"intents":[{"intent":"Incorporate will power of attorney","confidence_score":0.35132274}]},{"text":"One of the things to sort of consider is that in today's day and age, about seventy percent of the population seem to pass away in test day, which essentially means that if they passed away without a will, they everything has to go through a probate process, which is a court process in order to be distributed out.","start_word":7764,"end_word":7822,"intents":[{"intent":"Consider probate process","confidence_score":0.071311966}]},{"text":"So having up a will and a power of attorney in place is important to make sure that everything that they have worked hard for is directed to where they want us to go in the event of passing, if that makes sense. Yeah.","start_word":7823,"end_word":7866,"intents":[{"intent":"Ensure will direction","confidence_score":0.0541507}]},{"text":"Can I ask you to confirm with Bowie?","start_word":7903,"end_word":7910,"intents":[{"intent":"Confirm with bowie","confidence_score":0.1361026}]},{"text":"His beneficiary nomination on his super means that if in the event that he was to pass away, essentially, he's got here that 25% is directed to, I believe, four children. Is that correct? Is that how he wanted that to be nominated? That's correct. Okay.","start_word":7911,"end_word":7956,"intents":[{"intent":"Update nomination","confidence_score":0.23846042}]},{"text":"What I will do as part of the recap email is I can note down if he's comfortable with me noting that in the email. I can note down how the beneficiary is currently set out.","start_word":8178,"end_word":8213,"intents":[{"intent":"Note beneficiary status","confidence_score":0.033682127}]},{"text":"But if you're comfortable with me noting down that beneficiary nomination as it stands just so you all can review it and make sure that's comfortable, is that okay? Yeah.","start_word":8285,"end_word":8314,"intents":[{"intent":"Update beneficiary nomination","confidence_score":0.56356645}]},{"text":"The last thing I just wanted to run through is a risk profile questionnaire. I believe we did one of these with you guys last year. So I'll go through each of the questions. If you can just relay that to him and help him decide which answer is appropriate for him at the moment, it helps us to decide how how your super should be invested, essentially.","start_word":8332,"end_word":8399,"intents":[{"intent":"Discuss risk profile questionnaire","confidence_score":0.15830895},{"intent":"Assist with risk management","confidence_score":0.00007949774}]},{"text":"How do you think you might feel if you saw your super fall by 20% over the next one to two years? So this realistically can happen because markets do go up. They do go down, and it's about making sure you're invested in a profile that you're not gonna be accessing that money or selling out of the investments in a downtime. We want you to wade through it and allow your portfolio to come back and recover.","start_word":8485,"end_word":8563,"intents":[{"intent":"Assess portfolio recovery","confidence_score":0.11559533}]},{"text":"Were you feeling happy and optimistic about the investment opportunity?","start_word":8750,"end_word":8759,"intents":[{"intent":"Assess investor confidence","confidence_score":0.0060234363}]},{"text":"And the last one here, it's basically asking, has he ever thought about taking out a loan in order to invest in shares or manage funds, or would you only borrow for safe property?","start_word":8946,"end_word":8979,"intents":[{"intent":"Evaluate investment options","confidence_score":0.19349568}]},{"text":"There might even come a point where I suggest that we should probably start reducing that risk level back, and I'll kind of point that out at that time because I don't want him to be taking more risk than he needs to. Does that all make sense?","start_word":9323,"end_word":9370,"intents":[{"intent":"Reducing risk level","confidence_score":0.3639023}]},{"text":"That is basically everything I needed for the annual review. So if you guys are very comfortable, I will go back and do a bit of a recap email. I'll go through what we've gone through and discussed, Yeah.","start_word":9392,"end_word":9430,"intents":[{"intent":"Explaining purpose of the call","confidence_score":0.00029222426}]},{"text":"what advice I'm looking to provide, the areas, and just kind of a recap email. I'll have the beneficiary details in there for you to also look at and discuss. And I'll email it to Bowie, but also to yourself and to Ruth. That way, everyone gets a copy of it as his authority's on file.","start_word":9431,"end_word":9486,"intents":[{"intent":"Providing advice","confidence_score":0.48931965}]},{"text":"I'm more than happy to sorta help you, and I'll get stuck into doing the research. It just takes a couple of weeks to do the research. My team will contact you, book you all back in so we can kinda go through it together. We can do it by phone or by Teams or however is preferable for you all to go through things. Does that sound okay?","start_word":9557,"end_word":9625,"intents":[{"intent":"Suggesting research","confidence_score":0.009162423}]},{"text":"I just to kind of recap on the goal side of things, I'm gonna work towards the age of 60, 65, and 67 for the super side of things.","start_word":9659,"end_word":9687,"intents":[{"intent":"Considering retirement age","confidence_score":0.004503482}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Dana, Okie Financial. I would say, like Hi. It's speaking. Hi, miss Zach. It's Dana from Okie Financial. How are you this morning? Well, thank you. Yourself?","start_word":0,"end_word":43,"sentiment":"neutral","sentiment_score":0.07867864519357681},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":44,"end_word":51,"sentiment":"positive","sentiment_score":0.5487475395202637},{"text":"I had yourself booked in with Bowie to go through his annual review today. Is now still a good time there for you both? Yeah. Of course. Yeah.","start_word":52,"end_word":79,"sentiment":"neutral","sentiment_score":0.2168644815683365},{"text":"Fantastic.","start_word":80,"end_word":80,"sentiment":"positive","sentiment_score":0.4236477017402649},{"text":"If it's okay, I do need to do security with you both first up. But am I on speakerphone? Is Bawi there? Can he hear me okay? Yeah. Yep. Beautiful. Hi, Bawi. How are you this morning? Good. How are you?","start_word":81,"end_word":121,"sentiment":"neutral","sentiment_score":0.10991743206977844},{"text":"I'm very well. Thank you. I hope it's lovely where you're both located today. Yeah. It's very good. Pretty good day. Excellent. Excellent.","start_word":122,"end_word":144,"sentiment":"positive","sentiment_score":0.48675206303596497},{"text":"Before I jump into the call, I do have to let you know we both, sorry, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":145,"end_word":182,"sentiment":"neutral","sentiment_score":0.07590578496456146},{"text":"Fantastic.","start_word":183,"end_word":183,"sentiment":"positive","sentiment_score":0.4625611901283264},{"text":"And just to do a quick security check there for you as well, I just need to do a security check on both of you. If you can please, Masik, just let me know your full name, your date of birth, and address I should have on file for Bawi. Boy, we come home soon. But day is eighteen nine nineteen seventy three. 56 Lotus Land Of Sabah, New South Wales. Beautiful.","start_word":184,"end_word":255,"sentiment":"neutral","sentiment_score":0.09408892691135406},{"text":"Thank you so much for that.","start_word":256,"end_word":261,"sentiment":"positive","sentiment_score":0.4274796843528747},{"text":"And, Massey, can I just confirm your Yes. your full name as well? Yep. Give us a call. Oh. It's me that phone time.","start_word":262,"end_word":285,"sentiment":"neutral","sentiment_score":0.07838944345712662},{"text":"Beautiful. Thank you so much for that. Excellent.","start_word":286,"end_word":293,"sentiment":"positive","sentiment_score":0.4847768545150757},{"text":"So, essentially, I just wanted to kind of touch base and sort of go through the annual review with you. Obviously, we do have an an external third party authority on file for yourself, Maxx, so you can sort of help Bowery along to make sure that he understands everything that we are saying and doing. It Yes. is really important that with the annual review that Bowery is the one that is able to answer the questions.","start_word":294,"end_word":371,"sentiment":"neutral","sentiment_score":0.2031573981810839},{"text":"So whether he lets you know what he wants to how he wants to answer and you refer back to me, that's absolutely fine.","start_word":372,"end_word":395,"sentiment":"positive","sentiment_score":0.3583649694919586},{"text":"I just need to make sure that Bowie is understanding of everything that we're going through. Yeah. Of course. It does look like there are some changes I would like to make to his super. I do kinda wanna look at ways to be able to boost things a bit more and sort of focus on his retirement goals a bit further down the track. So if there is anything that either of you have, any questions that either of you have or anything in-depth that you want me to kind of focus on today, please let me know in detail. As Bowie's son, I do just wanna make sure you're aware that we do act in his best interest, that we do work under the corporations acting in the best interest duties.","start_word":396,"end_word":528,"sentiment":"neutral","sentiment_score":0.158938467502594},{"text":"So we are here to make sure that we're boosting his super and looking after things in in in line with his goals.","start_word":529,"end_word":551,"sentiment":"positive","sentiment_score":0.35819149017333984},{"text":"And as having a an external third party authority on file, you're welcome to call me and let me know if you have third party authority on file, you're welcome to call me and let me know if you have any questions. You can't change make any changes on his behalf, but yourself and Ruth are able to call us questions and receive copies of documents as well so that, obviously, everyone is acting in in Valley's best interest, and you're able to keep track of things that way as well if you would like to. Does that make sense? Do you have any questions at all so far Yeah. Yeah. at all? No. No No. questions at the moment.","start_word":552,"end_word":671,"sentiment":"neutral","sentiment_score":0.12248611450195312},{"text":"Excellent. Fantastic.","start_word":672,"end_word":673,"sentiment":"positive","sentiment_score":0.44117337465286255},{"text":"Well, let's sort of jump into things to start with. I do have an email to send through to you just with the details regarding the sofa. I do need to send it through to Bowery's email address. Are you able to access that? Is he able to log in to that currently? Yep. Yeah. Yeah. In the email phone. Yep.","start_word":674,"end_word":734,"sentiment":"neutral","sentiment_score":0.0849306508898735},{"text":"Beautiful.","start_word":735,"end_word":735,"sentiment":"positive","sentiment_score":0.48938167095184326},{"text":"I've just sent it through now. It'll come through from Odoo Sign and ordana at Oakview Financial. Phone. If it doesn't come through, please do also check your junk mail. Sometimes I get directed through the junk mailbox. Yeah. It's coming. Yeah. I'm Oh, on the beautiful. porch now.","start_word":736,"end_word":784,"sentiment":"neutral","sentiment_score":0.10107508605840254},{"text":"Excellent.","start_word":785,"end_word":785,"sentiment":"positive","sentiment_score":0.6623880863189697},{"text":"Is it nice and sunny in Coffs Harbour this morning? Yeah. It's actually been quite today.","start_word":786,"end_word":801,"sentiment":"neutral","sentiment_score":0.2952263355255127},{"text":"Oh, fantastic. It's so beautiful down there. It's one of my favorite Oh, places.","start_word":802,"end_word":815,"sentiment":"positive","sentiment_score":0.6236288547515869},{"text":"yeah.","start_word":816,"end_word":816,"sentiment":"neutral","sentiment_score":0.30483776330947876},{"text":"I love Coffs. Oh, that's great.","start_word":817,"end_word":822,"sentiment":"positive","sentiment_score":0.4455750584602356},{"text":"How's that yours? Good or no? Yeah. It's nice and sunny. So we're in Southport on the Gold Coast, but Oh, I yeah. actually That's not live too in bad. New South Wales. Yeah. I actually live Oh, at yeah. Tweed over the border Oh, there, yeah. so I'm a fellow New South Waleser.","start_word":823,"end_word":876,"sentiment":"neutral","sentiment_score":0.051804184913635254},{"text":"But Very it's nice. nice and sunny, so that's good. That's good. That's very good.","start_word":877,"end_word":891,"sentiment":"positive","sentiment_score":0.4916232228279114},{"text":"Yeah. So There we this document, go. if you want him to find it, or did you just we'll just look into this. We're just gonna look at them first. So I will never ask you to sign anything that you have not read through. So if you press Yeah. the button, it should say sign here or sign now. You press that so you can move forward through the documentation, and it just lets you view them to start with, if that makes Yeah. Yep. sense. Yep.","start_word":892,"end_word":979,"sentiment":"neutral","sentiment_score":0.03390612453222275},{"text":"Beautiful.","start_word":980,"end_word":980,"sentiment":"positive","sentiment_score":0.3594481348991394},{"text":"So now the first document you should have attached there should say summary of superannuation and insurances as of the August 24 there. Can you see that one? I think I already pressed next on that first page. That's okay. You can go back if you need to. Yeah. Okay. Yep. You got it. Perfect. Sorry about that. All good. So it does show the updated super balance within Netwealth and Ethical Super. Yep. So within the Netwealth Superfund, we have $75,512.20 there. Yes. When I look back at the Netwealth balance as of this time last year, the balance was around about $74,039.21. So, realistically, we haven't had a lot of growth this year. It is around a lot to do with what's been happening in the markets as a whole. But Mhmm. I would like to maybe look at what we can do moving forward because one of the things I sort of wanted to look at was, obviously, Bowie wanting to retire and boosting super for that. Because, realistically, based on the current balance that he does have, we're not gonna kind of have as much of a good retirement.","start_word":981,"end_word":1173,"sentiment":"neutral","sentiment_score":0.03461771570339104},{"text":"We wanna kinda provide greater growth and boost to that.","start_word":1174,"end_word":1183,"sentiment":"positive","sentiment_score":0.40499773621559143},{"text":"So we wanna sort Yes. of talk today a bit more about how to help you along with that. In the ethical super so the last advice document I sort of looked at, we had moved majority of the funds into Netwealth to provide greater growth and to have it invested so it was able to work harder for you. The idea of retaining back the ethical super was just to keep the income protection side of things in place. We weren't able to get new income protection for him back when we originally looked at it, so we do have or have had to retain those two super funds there. So the income protection is paid for out of the ethical super, and then we've we're holding the two funds there. Realistically, what we wanna do, if we are holding two super funds, we wanna sort of only have a minimum balance held within Ethical Super there. The main concern I sorta have with the two funds at the moment is that your balance overall is quite low, and your contributions at the moment, Bowery, they are actually going into the net wealth funds. So your ethical super is not getting any additional contributions. That is okay to keep it that way because the we've we've got an opt in in place. So we have opted into the insurances, which means if no contributions go into ethical super, we have into the insurances, which means if no contributions go into ethical super, they will still keep the income protection in place as long as there is enough money to pay for the premiums there. But I think what I'd like to do today with you both is really talk about the level of insurances that you have that you need, and really look at what what we can do moving forward.","start_word":1184,"end_word":1495,"sentiment":"neutral","sentiment_score":0.06530451774597168},{"text":"Because, realistically, for your agent's age, your balance is a lot lower than where I realistically like it to be. And moving forward, in order to make super work as hard as possible and to give you the best possible retirement, we need to kind of get more money into super and be able to make it work a bit harder for you.","start_word":1496,"end_word":1558,"sentiment":"negative","sentiment_score":-0.3518127202987671},{"text":"Does that make sense? And do you have questions so far? Yeah. I'll just tell that a bit. Yeah. Yes. Sorry.","start_word":1559,"end_word":1579,"sentiment":"neutral","sentiment_score":0.028645429760217667},{"text":"That's all good.","start_word":1580,"end_word":1582,"sentiment":"positive","sentiment_score":0.3839490115642547},{"text":"No worries.","start_word":1583,"end_word":1584,"sentiment":"neutral","sentiment_score":0.2876902222633362},{"text":"All good.","start_word":1585,"end_word":1586,"sentiment":"positive","sentiment_score":0.3549463152885437},{"text":"Yeah.","start_word":1587,"end_word":1587,"sentiment":"neutral","sentiment_score":0.2731507420539856},{"text":"Beautiful.","start_word":1588,"end_word":1588,"sentiment":"positive","sentiment_score":0.4579910635948181},{"text":"Is there any questions that have come up so far from any of you? Because you say you got two super accounts. Right? He does. Yes. So we have the Netwealth Fund there with the 75,000, and we've still got the Ethical Super, which used to be Christian Super. And that's Okay. currently retaining the 14,000, and that's where the the income protection policy is paid from. So that way, it's got two separate because you've got income. Yeah. So we weren't weren't able to get income protection back when he did come on board as a client. So it was opted to retain the income protection he had. The main sort of purpose to having income protection is that it covers a a portion of your income if you're unable to go to work in the short term. So Yeah. as Of course. an example, if he broke a leg or something and was unable to go to work in the short term, if he was to meet the waiting period, he could claim the monthly benefits essentially to help cover a portion of his income whilst he is recuperating there. Yeah. Did you need to let Vowie know any of that? Sorry. I'm trying to go a bit No. slower No. for It's you. all good. That's Because okay. also, he's just he's also moved moved jobs as well. Okay. I Move to jobs. don't think he's he's new. I don't think he's putting anything in ethical anymore. No. It's all going into the Netwealth Fund. So I do Yes. wanna keep an eye on that Ethical Super to make Oh, sure okay. that Okay. because there's no contributions going in there, the funds are still invested, so they should still technically see growth. But Yeah. if the balance in Ethical drops below the minimum or drops below the point where they won't be able to take them the premiums after the income protection, that's when that insurance will drop off or essentially expire. So we just wanna make sure that there's enough money in there to cover the insurance premiums and that Yeah. ethical is looked after that way.","start_word":1589,"end_word":1950,"sentiment":"neutral","sentiment_score":-0.014514193566546915},{"text":"There is it's fine for him to keep his contributions going into Netwealth.","start_word":1951,"end_word":1963,"sentiment":"positive","sentiment_score":0.34816035628318787},{"text":"There is nothing wrong with that at all. It's just making sure that insurance stays in place if that's important to him at this point, if that makes Yeah. sense. Yeah. All good to just consolidate the accounts Yeah. We into can. the Is into the main one that he's yep. got from his main job instead of the other one? Because it's no point in We it wasn't. yeah. No. That's a good question. We definitely can. The the only thing is the insurances. So is the income protection policy important for him to keep? Does he wanna keep that income protection policy, or is he happy to sort of cancel that? How does he feel about that? So did you say the income policy, was that one the ethical one? That's the one that's Yeah. paid out of the ethical super. Yeah. Income income Yeah. We would my dad said we'll probably move the Aware Super and consolidate Mhmm. with the ethical super. It was the one with the income protection. So the Netwealth into the ethical super? Yes. Yep. Yep. That's okay.","start_word":1964,"end_word":2148,"sentiment":"neutral","sentiment_score":0.05913384258747101},{"text":"So we can absolutely do that.","start_word":2149,"end_word":2154,"sentiment":"positive","sentiment_score":0.4620391130447388},{"text":"It's not a problem at all. We by doing that and look, honestly, it's completely up to you and him and how he feels. Yeah. By moving it back out of Netwealth and moving it into the ethical super, it does mean that we're not really able to look after that in any way, shape, or form. So it does mean you're essentially ceasing our services as an adviser. In saying that, that's not necessarily a bad thing. We can I can still talk to you about the insurance aspect? The other thing is on the bottom there, he's also got the Clearview insurances. They are currently paid out of the Netwealth account. So he would need to also have those changed to be paid out of the the Ethical Super account. We can if he decides he wants to move everything back into the ethical super, which is honestly not a bad idea being as the balance is a little bit lower, it just means that the Clearview insurances need to be changed.","start_word":2155,"end_word":2328,"sentiment":"neutral","sentiment_score":0.03992099915470543},{"text":"They're paid out of that ethical super as well, which we can certainly help you with.","start_word":2329,"end_word":2344,"sentiment":"positive","sentiment_score":0.4112725257873535},{"text":"It's just a form to have the premiums deducted from the other account.","start_word":2345,"end_word":2357,"sentiment":"neutral","sentiment_score":0.27231159806251526},{"text":"That's easy enough to do.","start_word":2358,"end_word":2362,"sentiment":"positive","sentiment_score":0.42282307147979736},{"text":"He can we are not able to sort of look at the ethical super. We have limitations around how we can assist with that. However, he can sort of remain with us as an insurance only client. So we can still do reviews with you guys every year, look at what the insurance levels are, look at how it's sort of affecting a super. There are just sort of limitations on what we can do with the ethical super because we're not an adviser linked to the to that sort of super fund. We only have Yes. what's called a third party authority, which is basically the same sort of thing that you have with us. It's just basically Yes. where we can inquire, find out information. We can help and provide advice around it, but we can't make any changes to it, which does make it very difficult, especially when it comes to Bowe's situation, where, you know, we're giving him advice, but we wanna make sure it's in his best interest. At the end of the day as well, it does have to be what is right for him. So if he would prefer to have it all moved into that ethical super and keep it all consolidated, there's nothing wrong with that.","start_word":2363,"end_word":2577,"sentiment":"neutral","sentiment_score":-0.008183583617210388},{"text":"One of the big things and concerns I have is that the balance is quite low currently. So having two super funds does mean he is paying more in administration fees, investment fees.","start_word":2578,"end_word":2610,"sentiment":"negative","sentiment_score":-0.4084268212318421},{"text":"So having it in one place would work out much better for him because moving forward, everything being invested in one place, you know, more money makes more money. So having it in one super fund can save him on fees and can provide a bit more of a boost to his super fund.","start_word":2611,"end_word":2664,"sentiment":"positive","sentiment_score":0.7204665541648865},{"text":"The other side of things is I adding additional contributions. Does is Bowie in a position where he can put some more money into super increase his contributions in? Is that a is that any consideration that could be made? was asking. Uh-huh. Check. Yeah, he's a yes. It's a condition considerations. Yes. Mhmm. But he's just gonna just work things a bit more out to have a bit more think about how much you would have to put in. Yep. Yep. Absolutely. What I might do, if you're comfortable with it, and I can always put you into the email if you like, is after the call, I can go back to our head of advice, our licensee. I can put forward the scenario and the conversation we've had about maybe moving moving value back into ethical super and look at, you know, how we can maybe provide a one off advice piece on, you know, how to roll back into Ethical Super, how to have the funds invested within Ethical Super. It does mean that you would, well, Bowie would need to kind of go through the process of implementing himself. So he would need to contact Ethical Super, change the investments if that's what he wants to do. We could sort of show him how to how much to put into the super fund on a regular basis. It just means that long term, we're not really able to alter the advice in any way, shape, or form. It would Yep. just be a one off kind of advice piece to sort of cement moving back into ethical super and what to do moving forward. The other option I could look at, depending on the changes to his circumstances, is I could look at a way to move him from ethical into Netwealth and see if I can consolidate things that way if he is open to doing it. I don't want this to be solely around staying as a client and being on fees. It's gotta be what's right for for him and for you guys as well. But if there was a way that I could consolidate into Netwealth, would he be open to doing that, or would he rather go back to ethical? I I think we'll just he just changed his mind again. That's okay. It won't happen. Yeah. We're just at the moment, just keep everything the same, and we'll just go through what we need to Yeah. for today. And I think that's gonna I'll I'll let I'll talk to them again. And if because we can always call you guys, right, or send amendments Abs or send absolutely. you Yeah. Definitely. Definitely. There know? is some eligibility questions that I can ask if you're comfortable with me doing that to be able to confirm whether we could maybe look at transferring his income protection policy over to Netwealth. Is he okay if I was to go through those now with you to ask those questions to see if there's eligibility to consolidate that way? Yeah. Sure. Yeah. Is that way okay if I ask those couple of questions? Yeah. It'd be fine. Yep. Yep.","start_word":2665,"end_word":3198,"sentiment":"neutral","sentiment_score":0.10021575774704472},{"text":"Yeah. It's all good to go. Okay. Beautiful.","start_word":3199,"end_word":3206,"sentiment":"positive","sentiment_score":0.4894076585769654},{"text":"So there is only six questions. I'll ask them as simply as possible. I'll ask each one, and then you're able to ask Zoe, and then we can confirm the answer. Yeah. But is he currently off work or not able to perform his normal full time occupation or duties on a full time basis? So is he not able to is he currently off work or not able to perform his normal full time occupational duties? Well, he's not in the he's not full time anymore. He's changed Okay. jobs. He's casual, Okay. Casual. but he How pretty many he pretty much works full time hours pretty much. okay. How many okay. So full time hours. So we're still working roughly, say, thirty to thirty eight hours per week. Is that right? Okay. And that's fairly consistent every week? Yeah. Like, since, yeah, since it started, it's been pretty much consistently. Okay.","start_word":3207,"end_word":3359,"sentiment":"neutral","sentiment_score":0.012562234246847676},{"text":"Beautiful. Fantastic.","start_word":3360,"end_word":3361,"sentiment":"positive","sentiment_score":0.5528668165206909},{"text":"The next question here is, has he been off work or absent unable to perform his full time duties for in the last twelve months? So not including if he's been off sick or so has he been off work or not able to for a longer period of time, say, more than six days over the past twelve months. No. It's it's it's always been working. Yep. Beautiful. The next one here is, has he ever been diagnosed, or does he suffer from an illness that may cause inability to do his normal full time occupation? So an injury? No. No. No. He doesn't have any injuries. Excellent. Yep. Beautiful. Has he ever had insurance an insurance application for death, TBD, terminal illness, income protection, or accident and sickness cover ever refused? So has he ever had insurance application declined to his knowledge? No. No? No. Yeah. He's never claimed or has ever been denied. So Okay. Beautiful. Has he ever been eligible to be paid, or is he currently eligible to claim on any kind of injury or illness, workers' compensation, government benefits, or any insurance policies? I I don't think he I don't think he even knows himself. He probably is, but he he's not doing any claims or anything at that moment. Mhmm. Nope. That's okay. Excellent. And the last one here is, has he ever had an application for death, TPD, terminal illness, or income protection ever offered on nonstandard terms? I don't think he has. Nope. That's okay. Look. There there is based on this questionnaire, it looks like he may be eligible to have the policy transferred into Netwealth, which means that if he wants to remain as a client of ours, and this is completely up to you guys. You it's a conversation that you may need to have as a family to work out what is important to you. Yes. I would love to keep you both keep you here and help work towards his retirement goals and boost Yes. super as much as possible, but it's gotta be right for him as well. So Yes. if there is a way to do that, I could look at how we could maybe transfer that policy from the Ethical Super Internet wealth and consolidate things that way. That means that we can still look after everything. We can still monitor the investments. And one of the biggest things between Netwealth and Ethical Super is that Netwealth has a lot more investment options, and that's why we, as advisers, like these sorts of super funds, we can alter the investments within. We can buy and sell and change portfolios because we have a wider range of investment options to choose from. Whereas within the industry funds like Ethical Super and Christian Super, you only have a very limited scope of what you're able to invest in. So there is that kind of aspect, but it's also gotta be what's comfortable. Would he like me to do the research around that and maybe update the advice documents update the advice to reflect these changes so then you can take the advice back and look at things as a whole and decide whether you would like to stay on board or whether you wanna go to ethical super. Is that an option that I might be able to undertake for you all? Yeah. He said, yes, please. Yep. You and, look, there's no obligation whatsoever. So if I go into the advice document and we come back in a few weeks and we go through it together and we decide that he's not comfortable proceeding, doesn't wish to go forward with this recommendation, he is under no obligation to do so. It is absolutely fine. You can tell me that you don't wish to take it on board, and I will help move you back to ethical super. So please don't feel like there is any obligation here. I'm just wanting to look at the options and show you guys how we can help, but also make sure that the advice is within his best interest.","start_word":3362,"end_word":4052,"sentiment":"neutral","sentiment_score":0.04946647511657688},{"text":"And, you know, we're boosting super as much as possible.","start_word":4053,"end_word":4062,"sentiment":"positive","sentiment_score":0.39499688148498535},{"text":"Because as I've kind of mentioned, the the fact that the balance is quite low means that we really need to kinda get that up, get that moving the for his retirement to be a factor. Because looking at things, does Valerie know what age he'd realistically like to stop working? I know the last conversation was that he'd work as long as he possibly can. But, realistically, what age would he like to retire? It's not sure. It's probably it's probably, like, some 60 or something. Okay. Yeah.","start_word":4063,"end_word":4151,"sentiment":"neutral","sentiment_score":-0.17098177015111687},{"text":"Beautiful.","start_word":4152,"end_word":4152,"sentiment":"positive","sentiment_score":0.46506208181381226},{"text":"Yeah. Well, if we were to focus on 60, because 60 is realistically the earliest that he's able to access his super. That essentially gives him a seven year time horizon because Vowie is 53 next month. Yep. So, realistically, it's a seven year time horizon. And given the current balance we have between the two, we're looking at '85, '89 to $790,000. It's less than 100,000 so far.","start_word":4153,"end_word":4221,"sentiment":"neutral","sentiment_score":0.03659997135400772},{"text":"That would not last very long.","start_word":4222,"end_word":4227,"sentiment":"negative","sentiment_score":-0.44809508323669434},{"text":"And with the Yes. age pension aspect, you're not eligible for age pension until 67. So we'd have to find a way if he wants to retire in seven years to be able to boost super as much as possible so he can draw income between 60 to 67 and then, hopefully, get age pension access from 67 onwards, which is absolutely fine, and we can certainly help with that. But right now, we do need to do things to kinda boost his super a little bit more. Can I ask, does your mom work as well? Does she have any super to fall back on, or is Valley super the only thing you they have as a family to retire on? Yeah. She does have a supervisor. Okay. Beautiful. Yeah. Roughly, what might her balance be? Does she know? Not as much as my dad. Okay. So it's lower. Yep. Yeah. Yeah. That's okay. That's okay. We'll we'll do what we can to help Maui move his super higher and sorta get things rolling a little bit more here so that we can, you know, have that to rely on. Yeah. I'll focus on a base age of 60, but I'll also take into account 65 and 67 within the advice piece so we can look at where we're tracking for it in the next seven years, but also then if he keeps working, what this might look like. Just you get a a kind of overall picture of the circumstances and where we're projecting out. Does that sound okay? Do you have any questions in relation to any of that? No. All good. No. That's okay.","start_word":4228,"end_word":4505,"sentiment":"neutral","sentiment_score":0.08701087668430892},{"text":"All good. Good.","start_word":4506,"end_word":4508,"sentiment":"positive","sentiment_score":0.415555864572525},{"text":"Yeah. Yeah.","start_word":4509,"end_word":4510,"sentiment":"neutral","sentiment_score":0.28072500228881836},{"text":"All good. Beautiful.","start_word":4511,"end_word":4513,"sentiment":"positive","sentiment_score":0.48067426681518555},{"text":"Now the other thing I just wanted to touch on is with the new role. So Bowie is now working for Coffs Harbour Christian Community School. Is that right? No. He's he's done he's finished his job there. He's Okay. casual at at the hospital as a as a casual cleaner. Okay. Beautiful. Cleaner. And what kind of income is he expecting to earn this year as a casual cleaner? I have no clue. He only started in March. Okay. What is his average take home pay at the moment? Does he know? 2,500 per fortnight or per week? Half. A fortnight. Per fortnight. Per fortnight.","start_word":4514,"end_word":4619,"sentiment":"neutral","sentiment_score":0.011414242908358574},{"text":"Beautiful. Thank you so much for that.","start_word":4620,"end_word":4626,"sentiment":"positive","sentiment_score":0.49281370639801025},{"text":"And I will just show here that is take home pay.","start_word":4627,"end_word":4637,"sentiment":"neutral","sentiment_score":0.23144392669200897},{"text":"Beautiful.","start_word":4638,"end_word":4638,"sentiment":"positive","sentiment_score":0.372334361076355},{"text":"And he's not currently making any salary sacrifice, so he hasn't opted to put any additional contributions to super. No. No. I don't think so. No. Okay. The chemicals. What sort of chem what's the harshest chemicals he might use as part of his role? Okay. No. No. That's okay. Beautiful. I'll go back and do a little bit of research around the options. But based on the questions I've got, it doesn't look too bad, but we'll go back and do a bit of additional research. If I find that we can't consolidate into Netwealth or we need to look at other options, I'll do that for you. The other Yes. thing I wanted to maybe look at doing was and, look, if this becomes too complicated, please let me know. I wanna kind of look at making it easier. I can Yeah. also assess Netwealth against other super funds out there. So there are other funds that might be lower in administration fees. It might be worth that we're moving out of both ethical super and Netwealth super and into an entirely new super fund. If I recommend something like that, is he okay with me assessing all the different options and seeing where else it might be better for him to put his funds and how this might benefit him? Yeah. He said he yeah.","start_word":4639,"end_word":4866,"sentiment":"neutral","sentiment_score":-0.00246235077971952},{"text":"He's happy.","start_word":4867,"end_word":4868,"sentiment":"positive","sentiment_score":0.6618170738220215},{"text":"Yep.","start_word":4869,"end_word":4869,"sentiment":"neutral","sentiment_score":0.3072962164878845},{"text":"He Beautiful.","start_word":4870,"end_word":4871,"sentiment":"positive","sentiment_score":0.45310044288635254},{"text":"says I don't wanna over excellent. I don't wanna overcomplicate things for him, especially as you're interpreting things fine. for him as well. But if there is another cheaper fund out there for it, it might be better for him to move out of those two funds wholly and move into something else. So I can look at all those additional options to see where things might work better for him if that's comfortable. We can then come back. We'll talk through the advice. You guys can take it back and read it as a family and talk it over. Ask me any questions. The all the advice we provide is valid for sixty days, so you have time to take that back to review it, to read it, and to come back and ask me additional questions if you need to do so. Does that sound okay? Yeah. That's fine. Yeah. Yeah.","start_word":4872,"end_word":5024,"sentiment":"neutral","sentiment_score":0.058701321482658386},{"text":"Beautiful. Fantastic.","start_word":5025,"end_word":5026,"sentiment":"positive","sentiment_score":0.6564345359802246},{"text":"The other things I just wanted to sort of touch on now, going back to that email there, underneath that, bow, he does have his ClearView life and TBD policy. Does he understand how those insurance policies work, how they pay out? Does he have any questions about the insurances within ClearView at all?","start_word":5027,"end_word":5080,"sentiment":"neutral","sentiment_score":0.0799660012125969},{"text":"He's all good. Beautiful.","start_word":5081,"end_word":5084,"sentiment":"positive","sentiment_score":0.3977401852607727},{"text":"With the the life and TPD policy that he holds there, the sum insured is $713,006.00 4. Is he happy with that level of cover? Did he wanna review that or anything? All good for the moment there.","start_word":5085,"end_word":5122,"sentiment":"neutral","sentiment_score":0.1220281571149826},{"text":"That's all good. Beautiful. Perfect.","start_word":5123,"end_word":5127,"sentiment":"positive","sentiment_score":0.47330132126808167},{"text":"I will if it's easier for you as well after the call, I'll do a little bit of an email recap. I can send it to Bowery as well as yourself and maybe Ruth if you'd like to as well. That way, you're all encompassed into the conversation with what we're looking to do. Advice wise, the research I'll conduct, but it also just recaps the conversation as well just so you have that in case you need it. Is that something you guys would prefer to have after the call as well? Oh, yeah. Yes, please. Yeah.","start_word":5128,"end_word":5225,"sentiment":"neutral","sentiment_score":0.1734488694643488},{"text":"That'd be great. Yep. Beautiful. Fantastic.","start_word":5226,"end_word":5231,"sentiment":"positive","sentiment_score":0.5458897352218628},{"text":"On that document there, you'll notice underneath the ClearView policy, you've got the premiums noted there. Now it does essentially show that for the year, for having his wife and TPD paid out of the Netwealth Fund, the insurer receives the top premium, the 8,255. He has actually paid 7,017 for these insurances. Essentially, when you pay these insurances out of Sufi, you do actually get a a bit of a rebate or a 15% discount on that. So that's why he's only paid the 7,017, but the insurer receives the higher amount. Does that have any does that make sense? Do you have any questions? No. Yeah. All good. That's okay. Give me If a you second. please Yeah. let me know if any please let me know if there's any questions that come up, if you need me to clarify anything for yourself at all as well just to make Yeah. make Of it course. sure it's Okay. all clear across No. Just the broad. give me Beautiful. that. The income protection within the ethical super is noted below that. So that is paid on a monthly basis out of the ethical super fund. That's $31 and 40 as a monthly premium, and it essentially covers him for 46,800. That would be the yearly amount. So if he was Yep. on an income protection claim, that yearly amount would be deduct be broken down to a monthly amount, essentially. Okay? Yep. Excellent. The next document out in that is the Netwealth asset performance detail report. So it does essentially show that for this year, as a whole, the portfolio has returned a positive return of 4,083 doll sorry. $4.4.83 percent. I do apologize. It is That's okay. income of a bit over $3,400.","start_word":5232,"end_word":5526,"sentiment":"neutral","sentiment_score":0.06878331303596497},{"text":"So as I kinda mentioned, the return is much lower for this year. I'm not a 100% happy with the return that it has provided.","start_word":5527,"end_word":5551,"sentiment":"negative","sentiment_score":-0.4513254761695862},{"text":"Would like to see certainly more for the risk profile that he is in. However, there are years where we see a lower rate of return because markets might not be performing as well, and this year was one of those. Essentially, with seeing what happened between The US and the Iran war, but also here within Australia, which had very high inflationary rates. Those sorts of things have affected the market. So we know we we do see years of lower returns.","start_word":5552,"end_word":5634,"sentiment":"neutral","sentiment_score":-0.11817296693123969},{"text":"I am happy that he has got a positive return for this year, and I do wanna kinda build on that for him.","start_word":5635,"end_word":5657,"sentiment":"positive","sentiment_score":0.6197037696838379},{"text":"Does that make sense? And does either of you have any questions? No. It's it's all good. That's okay.","start_word":5658,"end_word":5676,"sentiment":"neutral","sentiment_score":0.19204556941986084},{"text":"Beautiful.","start_word":5677,"end_word":5677,"sentiment":"positive","sentiment_score":0.41285425424575806},{"text":"Yeah. The next document in there, I believe you should see is the Vanguard index chart. That is just a bit of a guide on how markets performed. It doesn't have any kind of reflection on his super as a whole. But, essentially, with the Vanguard index chart, it shows how markets go up and down. And when we have good years, we also expect lower years as well. So it is just a bit of a guide. I won't go into it on a huge amount of detail, but do you have any questions about masters as a whole about investing or anything around the portfolio? No. It's all good at the moment. That's okay? Beautiful. Yeah. The next document you should see in there is probably the Clearview certificate certificate of currency. Can you see that document there? Okay. Services guide. That that's okay. So that's the that's the financial services Alright. guide. What's Yeah. the one Is that the next beyond page? that? Yeah. Oh, yes. Yep. Same Beautiful. here. Yep. Sorry. I'm just looking at the stuff file. I can't quite see the kinda guessing which document is the Oh, next okay. one. Yeah. Apologies. All You're fine. What's the next document you can see there? good. So I've got this currency. Do we go next? Yep. Yep. Beautiful. So that's as you get a currency. It's just showing you an in-depth of the in-depth policy with the ClearView policy there a bit more detail around his cover. And if you click next, you should then see, I believe, the ongoing fee agreement. Can you see that one there at all? Advanced fee consent? That's the one. Yeah.","start_word":5678,"end_word":5959,"sentiment":"neutral","sentiment_score":0.031299782163919286},{"text":"So for our services, because we're financial advisers, we are a professional service, and we provide advice for looking after his super and helping him meet his goals and working forward.","start_word":5960,"end_word":5990,"sentiment":"positive","sentiment_score":0.3809852004051209},{"text":"In order to do our job, we do charge an ongoing service fee for doing so. Our ongoing service fee is 1.65% when the balance is less than 200,000 within super. And this is only factored into the balance within the Netwealth account there as well. We don't charge any of the fees for the ethical super balance because we're not able to we don't have any we only have an authority to inquire on that account there, so we're not able to charge any sort of fees out of that. This essentially the way it works is we charge 1.65 percent on a yearly basis, and our ongoing service fee is deducted in smaller monthly increments out of the super fund.","start_word":5991,"end_word":6112,"sentiment":"neutral","sentiment_score":0.16764622926712036},{"text":"And that allows us to continue providing our services, making sure we do regular catch ups, making sure we do the annual reviews, and also update the advice to keep the super working harder.","start_word":6113,"end_word":6146,"sentiment":"positive","sentiment_score":0.519259512424469},{"text":"Essentially, this document here on the first page, if you look a little bit below, one of the blue headings should be you will pay for the following ongoing service fees. It actually shows for the year, the ongoing service fee that Yeah. Valley will pay to us is $1,308.25. I Can you see that can. there? Yep. Essentially. Yep. So we make that into a fixed dollar fee. We work out how much he's expected to pay for the year based on the 1.65%. It is encompassing about 5% growth under the fund there, and he won't pay any more regardless of what happens with with the super. But we just like to disclose that, have it sitting there, letting you know that we do charge a fee.","start_word":6147,"end_word":6275,"sentiment":"neutral","sentiment_score":0.1146344467997551},{"text":"We are a professional service, and we do look after it.","start_word":6276,"end_word":6286,"sentiment":"positive","sentiment_score":0.3626459240913391},{"text":"But there's no additional fees for the ongoing advice, like, for the next advice piece. There's no implementation cost around that.","start_word":6287,"end_word":6307,"sentiment":"neutral","sentiment_score":0.28756219148635864},{"text":"It's all encompassed into this ongoing service fee.","start_word":6308,"end_word":6315,"sentiment":"positive","sentiment_score":0.38100701570510864},{"text":"Does that make sense? And do either of you have any questions? No. That all make sense? Yeah. Yep.","start_word":6316,"end_word":6334,"sentiment":"neutral","sentiment_score":0.05085606243167269},{"text":"Beautiful.","start_word":6335,"end_word":6335,"sentiment":"positive","sentiment_score":0.4276793599128723},{"text":"Essentially, once you're welcome to take this back and have a bit of a look at the documents prior to you signing them. But if that way, he does wanna retain us as his advisers to the moment in order to kind of look at the advice and do everything that I will be doing. We do ask that you sign and return that back so we can keep looking after everything for you guys. As I kinda mentioned before, once I do provide the advice to you, if you decide you no longer want our services, wanna roll back into Ethical Super, you are more than welcome to let us know that there are no locking contracts for our services, and we can cancel this anytime should you wanna cease those services and move into another fund at all. Does that make sense? And do you have any questions? No. That makes That makes sense?","start_word":6336,"end_word":6491,"sentiment":"neutral","sentiment_score":0.11729055643081664},{"text":"Beautiful.","start_word":6492,"end_word":6492,"sentiment":"positive","sentiment_score":0.3729366958141327},{"text":"Just wanna make sure that everything is nice and clear, and I'm honest and open with everything so you have all the information that you all need to be able to make an informed decision. Okay? sense. Yep. Yep.","start_word":6493,"end_word":6531,"sentiment":"neutral","sentiment_score":0.2953813076019287},{"text":"Beautiful.","start_word":6532,"end_word":6532,"sentiment":"positive","sentiment_score":0.40198689699172974},{"text":"Just for your preference as well, the ongoing sorry. The OP Financial Services guide that you did see a while ago, I will attach that to the email shortly as well for you with the recap and the information to be provided after the call. But that essentially runs you through everything about our services, who we are, what we do as advisers, our fee structure, and all the advice that we're able to provide to you guys as well. So if I attach that to the recast email, it means that you and Ruth will also have a copy of that document. So you guys understand who we are, what we do, and also, Vowie's well informed. Does that make sense? Yeah. Beautiful. Do you have any questions about how we do our job, how advisers work, or how advice works, or any of what we've gone through so far for yourself? No. I'm I'm I'm all good. I'm pretty You're full all bottle. good. You know? Yeah.","start_word":6533,"end_word":6701,"sentiment":"neutral","sentiment_score":0.12358582764863968},{"text":"Beautiful. Excellent. Thank you so much for that.","start_word":6702,"end_word":6709,"sentiment":"positive","sentiment_score":0.5045567154884338},{"text":"That is essentially the the audio sign there.","start_word":6710,"end_word":6717,"sentiment":"neutral","sentiment_score":0.15153081715106964},{"text":"So if that way, he's happy to do so.","start_word":6718,"end_word":6726,"sentiment":"positive","sentiment_score":0.6058156490325928},{"text":"We just need him to sign and return those documents back. As I kinda mentioned, he is welcome to take some time to reach you that prior to signing. You're under no obligation to sign without, you know, without taking some time to think about.","start_word":6727,"end_word":6771,"sentiment":"neutral","sentiment_score":0.2605798840522766},{"text":"That's no problem at all.","start_word":6772,"end_word":6776,"sentiment":"positive","sentiment_score":0.47413936257362366},{"text":"If he is comfortable to do so, we just get him to sign and return those documents back, and I will do the research around the advice piece for you guys. Yep. I'm The about last to go sign it. all good. Sorry. Sorry Yeah. about I that. understand. You you got it. Yeah. COVID.","start_word":6777,"end_word":6831,"sentiment":"neutral","sentiment_score":0.1849818378686905},{"text":"Excellent.","start_word":6832,"end_word":6832,"sentiment":"positive","sentiment_score":0.4055492877960205},{"text":"I just wanted to run through a couple of additional details just to update the rest of the circumstances I have here. Now the main primary residence there, we had a value last time. We were able to catch up of around 800,000. How how much what sort of value would Vowie and his wife put on put on that property now? Yep.","start_word":6833,"end_word":6895,"sentiment":"neutral","sentiment_score":0.0982130691409111},{"text":"Beautiful. Excellent.","start_word":6896,"end_word":6897,"sentiment":"positive","sentiment_score":0.3544894754886627},{"text":"And then I also had a loan still owing on the property of around 550,000. Have they been able to reduce that loan a little bit? Yep. Yep. What's the value of the loan at the moment? Well, it's got about 483,000 Okay. left. Yep. Beautiful. And are they sort of hoping to have that fully paid off in the next few years for retirement, or is it a known fact they may go into retirement still having money owing on the loan? What was their goal around that property and the debt? Sorry. I'm I'm not sure. I think that's their goal just to probably pay it off as soon as possible, but who Try knows? to They pay could off. probably have it, still have it, be paying it off on their in their retirement. I'm not sure. But, That's yeah, okay. they wanna pay it off as soon as possible. As soon as possible. Beautiful. Are they making extra repayments onto that to try and reduce it as fast as possible? Yep. I love. Yep. Yep. On top.","start_word":6898,"end_word":7078,"sentiment":"neutral","sentiment_score":0.006015312392264605},{"text":"Beautiful. Fantastic.","start_word":7079,"end_word":7080,"sentiment":"positive","sentiment_score":0.4441518783569336},{"text":"Other assets I had noted here was a car, and I do apologize. I believe it's a Toyota Hilux is what Yeah. I had noted here. Do they still have that vehicle? Yeah. Still got it. Yeah.","start_word":7081,"end_word":7117,"sentiment":"neutral","sentiment_score":0.022260548597252048},{"text":"Beautiful.","start_word":7118,"end_word":7118,"sentiment":"positive","sentiment_score":0.5713541507720947},{"text":"And what kind of value would they put on that vehicle, do you think? Yep.","start_word":7119,"end_word":7133,"sentiment":"neutral","sentiment_score":0.11855173110961914},{"text":"Absolutely. Fantastic.","start_word":7134,"end_word":7135,"sentiment":"positive","sentiment_score":0.4965152740478515},{"text":"Probably. And is the vehicle owned outright? There's no loans owing Yeah. on the highlights? No lines. I know right now.","start_word":7136,"end_word":7156,"sentiment":"neutral","sentiment_score":0.03998259827494621},{"text":"Beautiful.","start_word":7157,"end_word":7157,"sentiment":"positive","sentiment_score":0.3882322311401367},{"text":"Yep.","start_word":7158,"end_word":7158,"sentiment":"neutral","sentiment_score":0.19522637128829956},{"text":"Excellent.","start_word":7159,"end_word":7159,"sentiment":"positive","sentiment_score":0.3904980421066284},{"text":"Is that the only vehicle they have? No. I'm But it's yeah. It's that's yes. Sometimes, that's pretty much it. Yeah. Yes. That's okay. Not a problem at all. I also had contents. So I like to note contents down as an asset as well because we all have insurance to cover our contents if something was to happen to it. And if you think about your house, you tip it upside down, everything falls out. If something happened, you had to replace loads of items that could cost quite a lot of money. Do you know or do they have contents insurance on their property currently? Insurance. I can do that. Content insurance. Okay. In I'm pretty sure they do. Yeah. I'm pretty sure they do. Yep. I think I had a value last time of around about 15,000. Would that be fairly accurate still, do you think? Yeah. I'd say so. Yes. Yep. Fantastic. And is there any other assets that we should note down? No. I don't think so. No. That's okay. When we think about sleep and the advice, would Vowie prefer to focus on paying down the mortgage currently, or would he like me or be comfortable with me making a recommendation around adding additional funds into super to provide greater growth for his retirement? Is he Okay. So say it again? that's okay. Is he comfortable with me making a recommendation to basically increase contributions, maybe start salary sacrificing or adding more money into super to provide greater growth towards his retirement, or are they more sort of trying to pay the mortgage down? What's kind of more important?","start_word":7160,"end_word":7434,"sentiment":"neutral","sentiment_score":0.03389677032828331},{"text":"Thank you for that note there.","start_word":7435,"end_word":7440,"sentiment":"positive","sentiment_score":0.3567168414592743},{"text":"Okay. So I'll just look at a way to kind of provide a boost to super invest it correctly and maybe consolidate it to see where that treks over the next couple of years. Is that accurate? Yes. Yeah. Yep.","start_word":7441,"end_word":7480,"sentiment":"neutral","sentiment_score":0.13532179407775402},{"text":"Beautiful.","start_word":7481,"end_word":7481,"sentiment":"positive","sentiment_score":0.6067733764648438},{"text":"So mortgage first.","start_word":7482,"end_word":7484,"sentiment":"neutral","sentiment_score":0.31484121084213257},{"text":"Beautiful. Excellent. I will make a note that we'll focus on additional contributions down the track there as well. That is something we are probably gonna have to look at to provide additional growth and help that super grow a little bit more as well.","start_word":7485,"end_word":7529,"sentiment":"positive","sentiment_score":0.388803631067276},{"text":"But I'll focus on just trying to consolidate things for now and see what I can do with the the income protection policy for you guys. Okay? Yes. Excellent. Now a couple of bizarre ones I just have to update. Is Bowie technically a tax resident of any other country? You say what, sir? Is he a tax resident of any other country? No. No. Beautiful. Excellent. Lovely. And is he a smoker or nonsmoker? Hang on. Smuggling. Beautiful. And is there any kind of health issues or any changes to his health over the past twelve months there at all? No. Not no. Not really. No. No. Beautiful. Good to hear. And have your mom and dad got a will power of attorney in place? Have they sorta considered the estate planning side of things? No. I don't have a bill. No. That's okay. It is definitely something to consider and think about. It is definitely a conversation that is worth having with them around that. Yeah. Obviously, you know, we help to make sure that your beneficiary nominations are in place to look after super. But, obviously, everything outside of that, your house, your cars, your, you know, your savings accounts, all your contents, things like that, family heirloom that might have been passed down through family members, making sure those sorts of things are incorporated into a will is really important. One of the things to sort of consider is that in today's day and age, about seventy percent of the population seem to pass away in test day, which essentially means that if they passed away without a will, they everything has to go through a probate process, which is a court process in order to be distributed out. So having up a will and a power of attorney in place is important to make sure that everything that they have worked hard for is directed to where they want us to go in the event of passing, if that makes sense. Yeah. So it might just be a conversation that yourself and Ruth are able to have with them. And I believe all up, they've got four kids. Is that correct? Yeah. There's four of us. Yep.","start_word":7530,"end_word":7901,"sentiment":"neutral","sentiment_score":0.03782688191420929},{"text":"Beautiful.","start_word":7902,"end_word":7902,"sentiment":"positive","sentiment_score":0.47793254256248474},{"text":"Can I ask you to confirm with Bowie? His beneficiary nomination on his super means that if in the event that he was to pass away, essentially, he's got here that 25% is directed to, I believe, four children. Is that correct? Is that how he wanted that to be nominated? That's correct. Okay.","start_word":7903,"end_word":7956,"sentiment":"neutral","sentiment_score":0.08966676890850067},{"text":"Perfect.","start_word":7957,"end_word":7957,"sentiment":"positive","sentiment_score":0.4695177972316742},{"text":"So if in the event that he was to pass away, he doesn't want his super benefit paid to his wife, he wants it paid out to you guys, to the four children. Yeah. He said, yeah, to his four children.","start_word":7958,"end_word":7998,"sentiment":"neutral","sentiment_score":0.1215079501271248},{"text":"That's beautiful. Beautiful.","start_word":7999,"end_word":8001,"sentiment":"positive","sentiment_score":0.6723358035087585},{"text":"And I've got Ruth yourself Annie, and I'm so sorry if I say this last name wrong. Is it Sa? Sorry. Say again. Sorry. Say again? Sorry. What was that? Oh, I've got the four children notice. So yourself, Ruth, Annie, and I believe Sa is how I've got the last one spelled. Is that correct? No. It My mom. Oh, okay. Perfect. So he's got 25% to her and then 20 Oh, five I percent thought it was to going each of through. the three children, To three. so Annie, yourself, and Ruth. Yeah. That sounds Yeah. right? May may maybe because the other one is a bit younger. She's still under 18. So Okay. Did he wanna have that nomination updated to reflect being paid out to all his kids and his wife, or is he happy with the nomination how it is He said he set would receive it as how it is up? for now. Okay.","start_word":8002,"end_word":8161,"sentiment":"neutral","sentiment_score":0.03775184974074364},{"text":"Beautiful. That's absolutely fine.","start_word":8162,"end_word":8165,"sentiment":"positive","sentiment_score":0.5192021727561951},{"text":"If you guys ever wanna have that updated, please let me know. What I will do as part of the recap email is I can note down if he's comfortable with me noting that in the email. I can note down how the beneficiary is currently set out. That way, if he wants to have that updated, he can let you guys can let us know just so you have a bit of clarity. Sometimes when you see the email after the call and it kinda breaks everything down and you see it all, it can kind of bring up additional questions and or concerns. So if there's anything that comes out of that email, please let me know. But if you're comfortable with me noting down that beneficiary nomination as it stands just so you all can review it and make sure that's comfortable, is that okay? Yeah. Yep. Yep.","start_word":8166,"end_word":8316,"sentiment":"neutral","sentiment_score":0.07729716172182796},{"text":"Beautiful. I'll review Fantastic. it and I'll talk about it. Fantastic. Yeah. Absolutely. Fantastic.","start_word":8317,"end_word":8330,"sentiment":"positive","sentiment_score":0.5823600888252258},{"text":"Okay. The last thing I just wanted to run through is a risk profile questionnaire. I believe we did one of these with you guys last year. So I'll go through each of the questions. If you can just relay that to him and help him decide which answer is appropriate for him at the moment, it helps us to decide how how your super should be invested, essentially. The first one here I'm looking at is, essentially, how much risk is he comfortable taking? Is he comfortable taking a lot a a higher amount of risk to get greater potential returns? Is he comfortable taking a moderate or medium amount of risk to get the best returns possible? Or is he comfortable not taking much risk in the market knowing the returns are lower than are gonna be lower because of that? He said was it medium? Medium? Yep. Yeah. Absolutely. Yep. Beautiful. How do you think you might feel if you saw your super fall by 20% over the next one to two years? So this realistically can happen because markets do go up. They do go down, and it's about making sure you're invested in a profile that you're not gonna be accessing that money or selling out of the investments in a downtime. We want you to wade through it and allow your portfolio to come back and recover. If you saw your super fall by 20% over the next one to two years, how do you think you might be feeling? Are you up to one to two years, how do you think you might be feeling? Are you optimistic, feeling like it's an investment opportunity? You might put some more money in and take advantage of that downtime. Are you maybe gonna hold and wait? Maybe call me and have a chat to me about it and see what we suggest to do, or are you a little bit nervous and maybe wanting to sell that investment to cash? How do you think you might feel? You said you'll probably get that advice, maybe call you guys up. Maybe give me a call. Yes. Yeah.","start_word":8331,"end_word":8691,"sentiment":"neutral","sentiment_score":-0.008187934624707105},{"text":"Beautiful. That's a good answer. Excellent.","start_word":8692,"end_word":8697,"sentiment":"positive","sentiment_score":0.5634007453918457},{"text":"Yeah. The next one here is essentially asking, has he ever seen his super fall in value? I know seeing the ups and downs can make us a little bit nervous, but have you ever seen your super fall in value before, and how did that make you feel in the past? Were you feeling happy and optimistic about the investment opportunity? Are you feeling cautious, concerned, or a bit anxious? He's I don't think he's Oh, is it like if he's seen it if he's ever had it Yeah. falling or Yeah. Yeah. If he's looked at it one day and the the value of the investment or the value of the super had dropped below hit the last time he looked at it. I think I think he was still wait. What's the word? No. I didn't really, like, I didn't really bother too much, but, you know, still a bit of, like, bother. But, Yep. like, didn't take it to heart that bad. Yep. Okay.","start_word":8698,"end_word":8865,"sentiment":"neutral","sentiment_score":-0.11479118466377258},{"text":"Beautiful. Fantastic.","start_word":8866,"end_word":8867,"sentiment":"positive","sentiment_score":0.3684057891368866},{"text":"So I'd probably stay a bit cautious. Obviously, you're not Yeah. feeling optimistic. You're not happy about it, but it's it's on the back of your mind. You know that you're not gonna sell. You know you're not retiring, but it can still have a little bit of effect and gone, oh, it did go down. Does that sound right? Am I on the right track? Yeah. That's yeah. That's Yep. probably yeah. That's it.","start_word":8868,"end_word":8942,"sentiment":"neutral","sentiment_score":-0.0988384261727333},{"text":"Beautiful. Excellent.","start_word":8943,"end_word":8944,"sentiment":"positive","sentiment_score":0.5540275573730469},{"text":"And the last one here, it's basically asking, has he ever thought about taking out a loan in order to invest in shares or manage funds, or would you only borrow for safe property? I've already kinda ticked the box noting that you have only really ever borrowed for your main primary residence. Is that correct, or would you change that answer? Has you ever thought about borrowing to invest in any way? No. No. I don't no. He's No. That's okay. yeah.","start_word":8945,"end_word":9027,"sentiment":"neutral","sentiment_score":-0.005270876456052065},{"text":"Beautiful. Thank you so much for answering those questions there.","start_word":9028,"end_word":9037,"sentiment":"positive","sentiment_score":0.6773614287376404},{"text":"Essentially, with the way you have scored, Bauer, you've scored as a growth investor, and that essentially means that we would see 80% of your super invested in growth investments. So think about Australian shares, international shares, precious metals like gold and silver, and then some property in there as well. The other 20% would be in low risk defensive investments like cash funds and fixed interest. Essentially, this sort of investment suits your time horizon if you're not gonna access your super in six years. So because, realistically, you're not gonna access super for at least seven years at this point, maybe longer depending on, you know, the advice and how long it takes to kind of build up to where you want it to be. Do you feel comfortable staying in this kind of environment, or does he wanna maybe reduce the risk level a little bit? Okay. That'd be the case for the same. Keep it the same? Yeah. Realistically, Yeah. for his time horizon's a good spot to stay in. The other thing to sort of think about is with having a lower balance, we wanna kinda get more growth and make it work a bit harder. So I'll find ways to do that. Especially if we're not able to put more contributions in at the moment, then we sort of need to take on a little bit more risk there. But I'll make a point of every year when we do this annual review that we reassess this questionnaire because there will come a point where he's a little bit more nervous about the ups and downs the market does take or wants to reduce the risk level back. There might even come a point where I suggest that we should probably start reducing that risk level back, and I'll kind of point that out at that time because I don't want him to be taking more risk than he needs to. Does that all make sense? Do you have questions about any of No. It's it's all good. that? That's No questions. all good pass.","start_word":9038,"end_word":9388,"sentiment":"neutral","sentiment_score":-0.0223017505070253},{"text":"Yeah. Beautiful. Oh.","start_word":9389,"end_word":9391,"sentiment":"positive","sentiment_score":0.43123966455459595},{"text":"That is basically everything I needed for the annual review. So if you guys are very comfortable, I will go back and do a bit of a recap email. I'll go through what we've gone through and discussed, Yeah. what advice I'm looking to provide, the areas, and just kind of a recap email. I'll have the beneficiary details in there for you to also look at and discuss. And I'll email it to Bowie, but also to yourself and to Ruth. That way, everyone gets a copy of it as his authority's on file. And if any of you have any questions, please come back and let me know. I'll also add in there for you the financial services guide so you have a copy of that to kind of run your eyes through to look at what we are as advisers, the services we provide, and how we work in his best interest. And if you have any questions, please let me know.","start_word":9392,"end_word":9556,"sentiment":"neutral","sentiment_score":0.20129850506782532},{"text":"I'm more than happy to sorta help you, and I'll get stuck into doing the research.","start_word":9557,"end_word":9572,"sentiment":"positive","sentiment_score":0.4857437312602997},{"text":"It just takes a couple of weeks to do the research. My team will contact you, book you all back in so we can kinda go through it together. We can do it by phone or by Teams or however is preferable for you all to go through things. Does that sound okay? Has any questions come up from any of that? No. All good. Yeah. Appreciate That's it. okay. No problem at all. Look.","start_word":9573,"end_word":9647,"sentiment":"neutral","sentiment_score":0.17584562301635742},{"text":"Thank you so much for your time. I really appreciate that.","start_word":9648,"end_word":9658,"sentiment":"positive","sentiment_score":0.5885990262031555},{"text":"I just to kind of recap on the goal side of things, I'm gonna work towards the age of 60, 65, and 67 for the super side of things. I'll Yes. retain the life and TPD as it is, look at what I can do with the income protection to try and consolidate things for him. And is there any other goals or anything else that he might want to sort of note down for the future aside from paying down the mortgage? Not much. Probably just be able to, you know, be in good health and better work still. It's pretty much at the Yeah. moment. Yeah.","start_word":9659,"end_word":9766,"sentiment":"neutral","sentiment_score":0.16899362841138132},{"text":"Absolutely. Perfect. Perfect. Excellent. Thank you so much for that today. I really appreciate all of your time. I hope you all have a beautiful day, and the sun stays out for you. I hope you have a good day, Bowie. Thank thank you so much for your time. I hope you all have a wonderful day, and I'll talk to you very soon.","start_word":9767,"end_word":9830,"sentiment":"positive","sentiment_score":0.7565894722938538},{"text":"In the meantime, I will get stuck into all this research, and we'll update the advice and go through it together. Okay?","start_word":9831,"end_word":9852,"sentiment":"neutral","sentiment_score":0.2859751284122467},{"text":"Alright. Awesome. Thank you very much. You have a lovely My pleasure. You too. Thank you so much, Thank and you, talk to you Emory.","start_word":9853,"end_word":9877,"sentiment":"positive","sentiment_score":0.5941622257232666},{"text":"soon. See you Stay later. up. Bye. Bye.","start_word":9878,"end_word":9885,"sentiment":"neutral","sentiment_score":0.15984641015529633}],"average":{"sentiment":"neutral","sentiment_score":0.08346742711040712}}}}